Home > Security First National Bank of Hugo > Performance and Condition Ratios
Security First National Bank of Hugo, 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 | 8.1438% | 146 |
| Cost of funding earning assets | 1.1481% | 3,877 |
| Net interest margin | 6.9957% | 48 |
| Noninterest income to average assets | 0.6000% | 1,502 |
| Noninterest expense to average assets | 3.1616% | 920 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 2.7447% | 175 |
| Return on assets (ROA) | 2.7447% | 176 |
| Pretax return on assets | 3.5762% | 127 |
| Return on Equity (ROE) | 27.1200% | 144 |
| Retained earnings to average equity (ytd only) | 6.4271% | 1,653 |
| Net charge-offs to loans | -0.0049% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 46.0652% | 4,166 |
| Assets per employee ($millions) | 4.5458% | 3,898 |
| Cash dividends to net income (ytd only)* | 76.3027% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 1,878 |
| Loan loss allowance to noncurrent loans | 222.5000% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 1,259 |
| Noncurrent loans to loans | 0.5649% | 1,663 |
| Net loans and leases to total assets | 76.9000% | 1,030 |
| Net loans and leases to deposits | 86.0872% | 1,587 |
| Net loans and leases to core deposits | 99.9209% | 1,451 |
| Total domestic deposits to total assets | 89.3300% | 1,041 |
| Equity capital to assets | 9.4798% | 2,471 |
| Core capital (leverage) ratio | 9.6125% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $131,452,400 | 3,519 |
| Average earning assets | $117,757,800 | 3,545 |
| Average equity | $13,303,000 | 3,485 |
| Average total loans | $102,094,000 | 3,192 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1312% | 151 |
| Cost of funding earning assets | 1.0902% | 3,951 |
| Net interest margin | 7.0410% | 49 |
| Noninterest income to average assets | 0.5500% | 1,685 |
| Noninterest expense to average assets | 3.1853% | 855 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 2.7706% | 174 |
| Return on assets (ROA) | 2.7706% | 179 |
| Pretax return on assets | 3.6040% | 129 |
| Return on Equity (ROE) | 26.9300% | 160 |
| Retained earnings to average equity (ytd only) | 26.9312% | 37 |
| Net charge-offs to loans | 0.0053% | 2,492 |
| Credit loss provision to net charge-offs | 2,750.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 895.0000% | 137 |
| Efficiency ratio | 46.4953% | 4,145 |
| Assets per employee ($millions) | 4.5142% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,455 |
| Loan loss allowance to noncurrent loans | 220.7957% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 1,085 |
| Noncurrent loans to loans | 0.5234% | 1,776 |
| Net loans and leases to total assets | 79.7800% | 658 |
| Net loans and leases to deposits | 91.1463% | 1,131 |
| Net loans and leases to core deposits | 103.6409% | 1,258 |
| Total domestic deposits to total assets | 87.5300% | 1,412 |
| Equity capital to assets | 11.2931% | 1,576 |
| Core capital (leverage) ratio | 11.3913% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $130,222,000 | 3,532 |
| Average earning assets | $116,552,750 | 3,566 |
| Average equity | $13,396,750 | 3,486 |
| Average total loans | $101,065,250 | 3,203 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9434% | 162 |
| Cost of funding earning assets | 1.0215% | 3,993 |
| Net interest margin | 6.9219% | 53 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 3.1940% | 834 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 2.6817% | 202 |
| Return on assets (ROA) | 2.6817% | 204 |
| Pretax return on assets | 3.5110% | 146 |
| Return on Equity (ROE) | 26.9500% | 177 |
| Retained earnings to average equity (ytd only) | 26.9515% | 48 |
| Net charge-offs to loans | 0.0100% | 2,040 |
| Credit loss provision to net charge-offs | 600.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 462.4000% | 261 |
| Efficiency ratio | 47.3108% | 4,139 |
| Assets per employee ($millions) | 4.7737% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,574 |
| Loan loss allowance to noncurrent loans | 190.6355% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 1,065 |
| Noncurrent loans to loans | 0.5961% | 1,538 |
| Net loans and leases to total assets | 76.9500% | 1,041 |
| Net loans and leases to deposits | 87.1152% | 1,559 |
| Net loans and leases to core deposits | 96.8450% | 1,686 |
| Total domestic deposits to total assets | 88.3300% | 1,214 |
| Equity capital to assets | 10.7030% | 1,697 |
| Core capital (leverage) ratio | 10.7585% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $129,992,000 | 3,547 |
| Average earning assets | $116,298,333 | 3,579 |
| Average equity | $12,934,333 | 3,512 |
| Average total loans | $99,533,333 | 3,221 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0342% | 162 |
| Cost of funding earning assets | 0.9476% | 4,037 |
| Net interest margin | 7.0866% | 49 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 3.2694% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.7393% | 204 |
| Return on assets (ROA) | 2.7393% | 204 |
| Pretax return on assets | 3.5942% | 138 |
| Return on Equity (ROE) | 28.6000% | 161 |
| Retained earnings to average equity (ytd only) | 28.5988% | 65 |
| Net charge-offs to loans | -0.0282% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 47.6339% | 4,120 |
| Assets per employee ($millions) | 4.6593% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 2,679 |
| Loan loss allowance to noncurrent loans | 209.3284% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 1,109 |
| Noncurrent loans to loans | 0.5380% | 1,578 |
| Net loans and leases to total assets | 75.5100% | 1,131 |
| Net loans and leases to deposits | 84.7886% | 1,648 |
| Net loans and leases to core deposits | 94.4354% | 1,755 |
| Total domestic deposits to total assets | 89.0600% | 1,090 |
| Equity capital to assets | 9.9233% | 2,061 |
| Core capital (leverage) ratio | 10.1067% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $130,543,500 | 3,550 |
| Average earning assets | $116,502,000 | 3,588 |
| Average equity | $12,504,000 | 3,558 |
| Average total loans | $99,141,000 | 3,228 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2151% | 192 |
| Cost of funding earning assets | 0.5873% | 4,088 |
| Net interest margin | 6.6278% | 75 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 3.0405% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.7399% | 200 |
| Return on assets (ROA) | 2.7399% | 198 |
| Pretax return on assets | 3.6205% | 139 |
| Return on Equity (ROE) | 28.3400% | 208 |
| Retained earnings to average equity (ytd only) | 2.5621% | 3,422 |
| Net charge-offs to loans | -0.1468% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 45.6463% | 4,206 |
| Assets per employee ($millions) | 4.6652% | 3,845 |
| Cash dividends to net income (ytd only)* | 90.9592% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 2,657 |
| Loan loss allowance to noncurrent loans | 199.8208% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 922 |
| Noncurrent loans to loans | 0.5657% | 1,382 |
| Net loans and leases to total assets | 74.6600% | 1,279 |
| Net loans and leases to deposits | 83.9936% | 1,781 |
| Net loans and leases to core deposits | 93.4070% | 1,812 |
| Total domestic deposits to total assets | 88.8900% | 1,099 |
| Equity capital to assets | 9.2340% | 2,519 |
| Core capital (leverage) ratio | 9.0559% | 3,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $132,411,400 | 3,526 |
| Average earning assets | $118,847,400 | 3,559 |
| Average equity | $12,801,800 | 3,456 |
| Average total loans | $91,931,200 | 3,263 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9774% | 202 |
| Cost of funding earning assets | 0.5019% | 4,132 |
| Net interest margin | 6.4755% | 75 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 3.0337% | 1,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.6915% | 219 |
| Return on assets (ROA) | 2.6915% | 218 |
| Pretax return on assets | 3.5717% | 154 |
| Return on Equity (ROE) | 27.5400% | 292 |
| Retained earnings to average equity (ytd only) | 27.5351% | 116 |
| Net charge-offs to loans | -0.1980% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.9283% | 4,139 |
| Assets per employee ($millions) | 4.7230% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 2,340 |
| Loan loss allowance to noncurrent loans | 3,182.8571% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 2,182 |
| Noncurrent loans to loans | 0.0378% | 3,496 |
| Net loans and leases to total assets | 69.1700% | 1,921 |
| Net loans and leases to deposits | 78.2915% | 2,222 |
| Net loans and leases to core deposits | 85.0685% | 2,253 |
| Total domestic deposits to total assets | 88.3500% | 1,460 |
| Equity capital to assets | 10.8664% | 1,402 |
| Core capital (leverage) ratio | 11.0865% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $132,857,750 | 3,533 |
| Average earning assets | $119,812,250 | 3,559 |
| Average equity | $12,986,750 | 3,422 |
| Average total loans | $90,252,750 | 3,287 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8665% | 190 |
| Cost of funding earning assets | 0.4510% | 4,081 |
| Net interest margin | 6.4155% | 80 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 3.0407% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7761% | 181 |
| Return on assets (ROA) | 2.7761% | 180 |
| Pretax return on assets | 3.6314% | 131 |
| Return on Equity (ROE) | 29.4900% | 223 |
| Retained earnings to average equity (ytd only) | 29.4914% | 83 |
| Net charge-offs to loans | 0.0224% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 241.6000% | 521 |
| Efficiency ratio | 45.5733% | 4,181 |
| Assets per employee ($millions) | 5.0482% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 3,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 2,239 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.7700% | 1,872 |
| Net loans and leases to deposits | 77.7776% | 2,152 |
| Net loans and leases to core deposits | 84.9472% | 2,144 |
| Total domestic deposits to total assets | 88.4200% | 1,454 |
| Equity capital to assets | 10.2871% | 1,695 |
| Core capital (leverage) ratio | 10.3750% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,062,667 | 3,537 |
| Average earning assets | $120,178,333 | 3,564 |
| Average equity | $12,525,667 | 3,486 |
| Average total loans | $89,474,000 | 3,303 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6455% | 158 |
| Cost of funding earning assets | 0.4125% | 3,932 |
| Net interest margin | 6.2331% | 81 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.9171% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4991% | 242 |
| Return on assets (ROA) | 2.4991% | 240 |
| Pretax return on assets | 3.2694% | 164 |
| Return on Equity (ROE) | 27.8100% | 299 |
| Retained earnings to average equity (ytd only) | 27.8131% | 139 |
| Net charge-offs to loans | 0.0045% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,095.0000% | 94 |
| Efficiency ratio | 47.1525% | 4,147 |
| Assets per employee ($millions) | 4.5668% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,669 |
| Loan loss allowance to noncurrent loans | 204.0936% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 892 |
| Noncurrent loans to loans | 0.5774% | 1,292 |
| Net loans and leases to total assets | 66.3000% | 2,030 |
| Net loans and leases to deposits | 73.6886% | 2,320 |
| Net loans and leases to core deposits | 80.3617% | 2,231 |
| Total domestic deposits to total assets | 89.9700% | 1,166 |
| Equity capital to assets | 9.4331% | 2,195 |
| Core capital (leverage) ratio | 9.3990% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $133,968,000 | 3,579 |
| Average earning assets | $121,224,500 | 3,587 |
| Average equity | $12,037,500 | 3,567 |
| Average total loans | $88,594,000 | 3,349 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7682% | 113 |
| Cost of funding earning assets | 0.2591% | 3,248 |
| Net interest margin | 5.5091% | 83 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 3.0372% | 915 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 2.0144% | 292 |
| Return on assets (ROA) | 2.0144% | 281 |
| Pretax return on assets | 2.6034% | 187 |
| Return on Equity (ROE) | 22.7600% | 289 |
| Retained earnings to average equity (ytd only) | 2.9899% | 3,724 |
| Net charge-offs to loans | -0.0786% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.5682% | 3,824 |
| Assets per employee ($millions) | 4.6723% | 3,919 |
| Cash dividends to net income (ytd only)* | 86.8621% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,526 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,260 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 64.4300% | 2,202 |
| Net loans and leases to deposits | 70.7865% | 2,514 |
| Net loans and leases to core deposits | 77.7622% | 2,299 |
| Total domestic deposits to total assets | 91.0200% | 948 |
| Equity capital to assets | 8.5477% | 2,680 |
| Core capital (leverage) ratio | 8.7992% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $137,165,600 | 3,562 |
| Average earning assets | $121,580,800 | 3,600 |
| Average equity | $12,140,800 | 3,657 |
| Average total loans | $89,066,600 | 3,302 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7962% | 88 |
| Cost of funding earning assets | 0.2364% | 2,853 |
| Net interest margin | 5.5598% | 69 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.9926% | 913 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.9246% | 329 |
| Return on assets (ROA) | 1.9246% | 327 |
| Pretax return on assets | 2.4770% | 217 |
| Return on Equity (ROE) | 21.5600% | 319 |
| Retained earnings to average equity (ytd only) | 21.5621% | 72 |
| Net charge-offs to loans | -0.1270% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.3279% | 3,792 |
| Assets per employee ($millions) | 4.6268% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 2,723 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 1,100 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 65.9100% | 1,901 |
| Net loans and leases to deposits | 73.5081% | 2,090 |
| Net loans and leases to core deposits | 80.9375% | 1,836 |
| Total domestic deposits to total assets | 89.6700% | 1,801 |
| Equity capital to assets | 9.8214% | 1,710 |
| Core capital (leverage) ratio | 9.6833% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $137,582,500 | 3,578 |
| Average earning assets | $121,272,000 | 3,629 |
| Average equity | $12,280,500 | 3,686 |
| Average total loans | $89,248,000 | 3,311 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7561% | 85 |
| Cost of funding earning assets | 0.2242% | 2,595 |
| Net interest margin | 5.5318% | 71 |
| Noninterest income to average assets | 0.6185% | 1,660 |
| Noninterest expense to average assets | 2.9369% | 931 |
| Loan and lease loss provision to assets | 0.0577% | 1,552 |
| Net operating income to assets | 1.8801% | 281 |
| Return on assets (ROA) | 1.8801% | 278 |
| Pretax return on assets | 2.4611% | 175 |
| Return on Equity (ROE) | 21.7672% | 204 |
| Retained earnings to average equity (ytd only) | 21.7672% | 52 |
| Net charge-offs to loans | 0.0269% | 1,178 |
| Credit loss provision to net charge-offs | 333.3333% | 758 |
| Earnings coverage of net charge-offs (x) | 145.5833% | 659 |
| Efficiency ratio | 53.8319% | 3,982 |
| Assets per employee ($millions) | 4.5619% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,529 |
| Loan loss allowance to noncurrent loans | 445.7143% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 889 |
| Noncurrent loans to loans | 0.2280% | 2,582 |
| Net loans and leases to total assets | 64.4663% | 1,853 |
| Net loans and leases to deposits | 71.0411% | 2,106 |
| Net loans and leases to core deposits | 80.7617% | 1,673 |
| Total domestic deposits to total assets | 90.7452% | 1,362 |
| Equity capital to assets | 8.8723% | 2,475 |
| Core capital (leverage) ratio | 9.1543% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,718,000 | 3,611 |
| Average earning assets | $121,298,000 | 3,679 |
| Average equity | $11,981,333 | 3,785 |
| Average total loans | $89,169,667 | 3,335 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9482% | 73 |
| Cost of funding earning assets | 0.2284% | 2,422 |
| Net interest margin | 5.7198% | 60 |
| Noninterest income to average assets | 0.7018% | 1,314 |
| Noninterest expense to average assets | 3.0429% | 766 |
| Loan and lease loss provision to assets | 0.0291% | 1,843 |
| Net operating income to assets | 1.9772% | 234 |
| Return on assets (ROA) | 1.9772% | 236 |
| Pretax return on assets | 2.5887% | 158 |
| Return on Equity (ROE) | 23.2167% | 118 |
| Retained earnings to average equity (ytd only) | 23.2167% | 57 |
| Net charge-offs to loans | 0.0410% | 872 |
| Credit loss provision to net charge-offs | 111.1111% | 961 |
| Earnings coverage of net charge-offs (x) | 99.8889% | 675 |
| Efficiency ratio | 53.7551% | 4,074 |
| Assets per employee ($millions) | 4.7708% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,821 |
| Loan loss allowance to noncurrent loans | 420.2830% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 937 |
| Noncurrent loans to loans | 0.2316% | 2,666 |
| Net loans and leases to total assets | 65.5100% | 1,460 |
| Net loans and leases to deposits | 72.1237% | 1,766 |
| Net loans and leases to core deposits | 82.8754% | 1,303 |
| Total domestic deposits to total assets | 90.8300% | 1,118 |
| Equity capital to assets | 8.6836% | 2,989 |
| Core capital (leverage) ratio | 8.8032% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,368,000 | 3,643 |
| Average earning assets | $119,095,000 | 3,723 |
| Average equity | $11,698,500 | 3,889 |
| Average total loans | $87,703,000 | 3,362 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9144% | 88 |
| Cost of funding earning assets | 0.4169% | 1,421 |
| Net interest margin | 5.4976% | 86 |
| Noninterest income to average assets | 0.6750% | 1,853 |
| Noninterest expense to average assets | 2.8143% | 1,326 |
| Loan and lease loss provision to assets | 0.0483% | 2,093 |
| Net operating income to assets | 1.9396% | 378 |
| Return on assets (ROA) | 1.9396% | 402 |
| Pretax return on assets | 2.5715% | 232 |
| Return on Equity (ROE) | 22.6229% | 192 |
| Retained earnings to average equity (ytd only) | 7.8990% | 1,581 |
| Net charge-offs to loans | 0.2490% | 369 |
| Credit loss provision to net charge-offs | 29.9539% | 2,233 |
| Earnings coverage of net charge-offs (x) | 16.2581% | 1,983 |
| Efficiency ratio | 51.7901% | 4,135 |
| Assets per employee ($millions) | 4.3995% | 4,191 |
| Cash dividends to net income (ytd only)* | 65.0842% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0610% | 3,519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5375% | 1,237 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.8507% | 2,075 |
| Net loans and leases to deposits | 66.6827% | 2,443 |
| Net loans and leases to core deposits | 76.6085% | 1,867 |
| Total domestic deposits to total assets | 91.2540% | 399 |
| Equity capital to assets | 8.3463% | 4,146 |
| Core capital (leverage) ratio | 8.2410% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,668,800 | 3,635 |
| Average earning assets | $116,579,000 | 3,729 |
| Average equity | $11,545,800 | 3,976 |
| Average total loans | $87,139,800 | 3,375 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1029% | 79 |
| Cost of funding earning assets | 0.3710% | 1,929 |
| Net interest margin | 5.7318% | 75 |
| Noninterest income to average assets | 0.7340% | 1,718 |
| Noninterest expense to average assets | 2.8704% | 1,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1533% | 349 |
| Return on assets (ROA) | 2.1533% | 370 |
| Pretax return on assets | 2.8505% | 213 |
| Return on Equity (ROE) | 24.9480% | 179 |
| Retained earnings to average equity (ytd only) | 24.9480% | 54 |
| Net charge-offs to loans | 0.0409% | 1,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 106.2963% | 844 |
| Efficiency ratio | 50.1736% | 4,208 |
| Assets per employee ($millions) | 4.5249% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,919 |
| Loan loss allowance to noncurrent loans | 404.3825% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 894 |
| Noncurrent loans to loans | 0.3004% | 2,717 |
| Net loans and leases to total assets | 58.8388% | 2,391 |
| Net loans and leases to deposits | 67.1529% | 2,526 |
| Net loans and leases to core deposits | 78.8029% | 1,833 |
| Total domestic deposits to total assets | 87.6191% | 2,051 |
| Equity capital to assets | 9.0110% | 3,823 |
| Core capital (leverage) ratio | 9.1922% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,240,250 | 3,677 |
| Average earning assets | $116,794,750 | 3,768 |
| Average equity | $11,586,500 | 4,029 |
| Average total loans | $87,954,750 | 3,412 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6740% | 55 |
| Cost of funding earning assets | 0.4066% | 1,829 |
| Net interest margin | 6.2673% | 53 |
| Noninterest income to average assets | 0.8016% | 1,527 |
| Noninterest expense to average assets | 3.0084% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3928% | 248 |
| Return on assets (ROA) | 2.3928% | 269 |
| Pretax return on assets | 3.1551% | 158 |
| Return on Equity (ROE) | 28.1612% | 123 |
| Retained earnings to average equity (ytd only) | 28.1612% | 48 |
| Net charge-offs to loans | 0.0626% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 74.5000% | 872 |
| Efficiency ratio | 48.8098% | 4,337 |
| Assets per employee ($millions) | 4.5935% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 3,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 905 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 63.6726% | 1,983 |
| Net loans and leases to deposits | 72.5469% | 2,161 |
| Net loans and leases to core deposits | 83.3759% | 1,612 |
| Total domestic deposits to total assets | 87.7675% | 1,950 |
| Equity capital to assets | 8.7493% | 4,014 |
| Core capital (leverage) ratio | 8.9424% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,229,333 | 3,707 |
| Average earning assets | $113,126,000 | 3,823 |
| Average equity | $11,235,333 | 4,072 |
| Average total loans | $89,423,000 | 3,409 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6855% | 58 |
| Cost of funding earning assets | 0.4534% | 1,694 |
| Net interest margin | 6.2321% | 54 |
| Noninterest income to average assets | 0.7169% | 1,818 |
| Noninterest expense to average assets | 3.0593% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1291% | 464 |
| Return on assets (ROA) | 2.1291% | 505 |
| Pretax return on assets | 2.8399% | 287 |
| Return on Equity (ROE) | 25.4608% | 242 |
| Retained earnings to average equity (ytd only) | 25.4608% | 131 |
| Net charge-offs to loans | -0.0045% | 3,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8596% | 4,005 |
| Assets per employee ($millions) | 4.3904% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,091 |
| Loan loss allowance to noncurrent loans | 194.4751% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 405 |
| Noncurrent loans to loans | 0.6021% | 2,069 |
| Net loans and leases to total assets | 67.6742% | 1,570 |
| Net loans and leases to deposits | 77.0704% | 1,793 |
| Net loans and leases to core deposits | 89.8529% | 1,239 |
| Total domestic deposits to total assets | 87.8082% | 1,937 |
| Equity capital to assets | 8.4791% | 4,135 |
| Core capital (leverage) ratio | 8.6444% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,441,500 | 3,746 |
| Average earning assets | $107,635,500 | 3,904 |
| Average equity | $10,824,500 | 4,129 |
| Average total loans | $89,756,000 | 3,412 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0097% | 94 |
| Cost of funding earning assets | 0.7021% | 1,707 |
| Net interest margin | 5.3076% | 84 |
| Noninterest income to average assets | 0.7759% | 1,607 |
| Noninterest expense to average assets | 3.0693% | 1,293 |
| Loan and lease loss provision to assets | 0.1001% | 3,083 |
| Net operating income to assets | 1.7232% | 467 |
| Return on assets (ROA) | 1.7232% | 510 |
| Pretax return on assets | 2.2493% | 278 |
| Return on Equity (ROE) | 20.5003% | 210 |
| Retained earnings to average equity (ytd only) | 7.6400% | 1,160 |
| Net charge-offs to loans | -0.0045% | 4,102 |
| Credit loss provision to net charge-offs | -3,125.0000% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6425% | 3,902 |
| Assets per employee ($millions) | 4.1023% | 4,292 |
| Cash dividends to net income (ytd only)* | 62.7323% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 2,984 |
| Loan loss allowance to noncurrent loans | 208.2031% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.6788% | 397 |
| Noncurrent loans to loans | 0.5732% | 2,264 |
| Net loans and leases to total assets | 69.3987% | 1,630 |
| Net loans and leases to deposits | 78.7597% | 2,000 |
| Net loans and leases to core deposits | 93.2041% | 1,293 |
| Total domestic deposits to total assets | 88.1144% | 1,422 |
| Equity capital to assets | 8.2417% | 4,605 |
| Core capital (leverage) ratio | 8.0630% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,881,200 | 3,688 |
| Average earning assets | $109,239,200 | 3,776 |
| Average equity | $10,497,400 | 4,154 |
| Average total loans | $88,899,600 | 3,416 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9879% | 114 |
| Cost of funding earning assets | 0.6667% | 2,219 |
| Net interest margin | 5.3212% | 93 |
| Noninterest income to average assets | 0.7358% | 1,682 |
| Noninterest expense to average assets | 3.0643% | 1,305 |
| Loan and lease loss provision to assets | 0.1343% | 2,672 |
| Net operating income to assets | 1.7419% | 524 |
| Return on assets (ROA) | 1.7419% | 582 |
| Pretax return on assets | 2.2545% | 308 |
| Return on Equity (ROE) | 20.6188% | 220 |
| Retained earnings to average equity (ytd only) | 20.6188% | 77 |
| Net charge-offs to loans | -0.0090% | 4,203 |
| Credit loss provision to net charge-offs | -2,083.3333% | 4,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1959% | 3,900 |
| Assets per employee ($millions) | 4.1799% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,599 |
| Loan loss allowance to noncurrent loans | 50.2110% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.7981% | 421 |
| Noncurrent loans to loans | 2.4130% | 449 |
| Net loans and leases to total assets | 67.3934% | 2,334 |
| Net loans and leases to deposits | 80.6001% | 2,248 |
| Net loans and leases to core deposits | 96.0482% | 1,456 |
| Total domestic deposits to total assets | 83.6145% | 2,948 |
| Equity capital to assets | 8.7337% | 4,303 |
| Core capital (leverage) ratio | 8.6217% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,308,750 | 3,690 |
| Average earning assets | $110,197,750 | 3,752 |
| Average equity | $10,501,500 | 4,155 |
| Average total loans | $88,794,250 | 3,437 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9241% | 158 |
| Cost of funding earning assets | 0.6900% | 2,447 |
| Net interest margin | 5.2341% | 133 |
| Noninterest income to average assets | 0.7311% | 1,637 |
| Noninterest expense to average assets | 3.0795% | 1,404 |
| Loan and lease loss provision to assets | 0.0653% | 3,477 |
| Net operating income to assets | 1.7707% | 536 |
| Return on assets (ROA) | 1.7707% | 586 |
| Pretax return on assets | 2.2537% | 331 |
| Return on Equity (ROE) | 21.2128% | 192 |
| Retained earnings to average equity (ytd only) | 21.2128% | 80 |
| Net charge-offs to loans | -0.0067% | 4,095 |
| Credit loss provision to net charge-offs | -1,333.3333% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0435% | 3,811 |
| Assets per employee ($millions) | 4.0093% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1220% | 2,915 |
| Loan loss allowance to noncurrent loans | 45.9472% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.8363% | 423 |
| Noncurrent loans to loans | 2.4420% | 489 |
| Net loans and leases to total assets | 68.1362% | 2,328 |
| Net loans and leases to deposits | 81.1357% | 2,298 |
| Net loans and leases to core deposits | 93.9221% | 1,747 |
| Total domestic deposits to total assets | 83.9781% | 2,751 |
| Equity capital to assets | 8.4100% | 4,527 |
| Core capital (leverage) ratio | 8.4840% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,552,333 | 3,694 |
| Average earning assets | $109,282,333 | 3,753 |
| Average equity | $10,229,667 | 4,194 |
| Average total loans | $88,926,333 | 3,438 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3626% | 99 |
| Cost of funding earning assets | 0.7011% | 2,923 |
| Net interest margin | 5.6615% | 72 |
| Noninterest income to average assets | 0.8122% | 1,275 |
| Noninterest expense to average assets | 3.1919% | 1,443 |
| Loan and lease loss provision to assets | 0.0334% | 3,351 |
| Net operating income to assets | 1.9719% | 287 |
| Return on assets (ROA) | 1.9719% | 316 |
| Pretax return on assets | 2.6337% | 136 |
| Return on Equity (ROE) | 23.7198% | 86 |
| Retained earnings to average equity (ytd only) | 23.7198% | 38 |
| Net charge-offs to loans | -0.0045% | 3,830 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4780% | 4,360 |
| Assets per employee ($millions) | 3.6766% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,365 |
| Loan loss allowance to noncurrent loans | 48.0240% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 1.8100% | 500 |
| Noncurrent loans to loans | 2.2209% | 596 |
| Net loans and leases to total assets | 73.3953% | 1,713 |
| Net loans and leases to deposits | 89.7328% | 1,544 |
| Net loans and leases to core deposits | 104.4759% | 1,156 |
| Total domestic deposits to total assets | 81.7932% | 3,471 |
| Equity capital to assets | 8.4267% | 4,864 |
| Core capital (leverage) ratio | 8.6790% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7686% | 2,819 |
| Memoranda: | ||
| Average total assets | $119,679,000 | 3,706 |
| Average earning assets | $106,685,500 | 3,777 |
| Average equity | $9,949,500 | 4,248 |
| Average total loans | $89,184,500 | 3,414 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7661% | 81 |
| Cost of funding earning assets | 0.6745% | 3,289 |
| Net interest margin | 6.0915% | 60 |
| Noninterest income to average assets | 0.8650% | 1,260 |
| Noninterest expense to average assets | 3.2702% | 1,361 |
| Loan and lease loss provision to assets | 0.0035% | 3,933 |
| Net operating income to assets | 2.2532% | 199 |
| Return on assets (ROA) | 2.2532% | 212 |
| Pretax return on assets | 2.9936% | 101 |
| Return on Equity (ROE) | 24.8509% | 78 |
| Retained earnings to average equity (ytd only) | 2.4364% | 3,806 |
| Net charge-offs to loans | -0.0079% | 4,412 |
| Credit loss provision to net charge-offs | -57.1429% | 4,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1782% | 4,593 |
| Assets per employee ($millions) | 3.5767% | 4,395 |
| Cash dividends to net income (ytd only)* | 90.1961% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,089 |
| Loan loss allowance to noncurrent loans | 47.4237% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.8605% | 452 |
| Noncurrent loans to loans | 2.2623% | 534 |
| Net loans and leases to total assets | 74.0591% | 1,739 |
| Net loans and leases to deposits | 88.5355% | 1,766 |
| Net loans and leases to core deposits | 103.8900% | 1,235 |
| Total domestic deposits to total assets | 83.6491% | 2,976 |
| Equity capital to assets | 8.1971% | 5,011 |
| Core capital (leverage) ratio | 8.1839% | 4,981 |
| Tier 1 risk-based capital ratio | 11.1646% | 4,793 |
| Total risk-based capital ratio | 12.2687% | 4,754 |
| Memoranda: | ||
| Average total assets | $113,174,000 | 3,786 |
| Average earning assets | $100,368,600 | 3,861 |
| Average equity | $10,261,200 | 4,205 |
| Average total loans | $88,844,200 | 3,427 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9063% | 74 |
| Cost of funding earning assets | 0.6655% | 3,368 |
| Net interest margin | 6.2408% | 54 |
| Noninterest income to average assets | 0.8824% | 1,182 |
| Noninterest expense to average assets | 3.2737% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.3663% | 202 |
| Return on assets (ROA) | 2.3663% | 212 |
| Pretax return on assets | 3.1368% | 102 |
| Return on Equity (ROE) | 25.4548% | 81 |
| Retained earnings to average equity (ytd only) | 25.4548% | 24 |
| Net charge-offs to loans | -0.0135% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0682% | 4,668 |
| Assets per employee ($millions) | 3.5275% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 3,200 |
| Loan loss allowance to noncurrent loans | 3,796.0000% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 3,778 |
| Noncurrent loans to loans | 0.0281% | 4,547 |
| Net loans and leases to total assets | 78.0681% | 1,131 |
| Net loans and leases to deposits | 97.2725% | 896 |
| Net loans and leases to core deposits | 114.0232% | 752 |
| Total domestic deposits to total assets | 80.2571% | 3,935 |
| Equity capital to assets | 10.1106% | 3,908 |
| Core capital (leverage) ratio | 9.9612% | 3,678 |
| Tier 1 risk-based capital ratio | 13.4259% | 3,618 |
| Total risk-based capital ratio | 14.5491% | 3,587 |
| Memoranda: | ||
| Average total assets | $111,960,000 | 3,847 |
| Average earning assets | $99,172,750 | 3,923 |
| Average equity | $10,407,750 | 4,237 |
| Average total loans | $88,965,250 | 3,459 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8906% | 79 |
| Cost of funding earning assets | 0.6463% | 3,428 |
| Net interest margin | 6.2443% | 57 |
| Noninterest income to average assets | 0.8598% | 1,180 |
| Noninterest expense to average assets | 3.2547% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3358% | 199 |
| Return on assets (ROA) | 2.3358% | 207 |
| Pretax return on assets | 3.1258% | 104 |
| Return on Equity (ROE) | 25.8918% | 81 |
| Retained earnings to average equity (ytd only) | 25.8918% | 23 |
| Net charge-offs to loans | -0.0112% | 4,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0107% | 4,724 |
| Assets per employee ($millions) | 3.3243% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,348 |
| Loan loss allowance to noncurrent loans | 3,630.7692% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 3,788 |
| Noncurrent loans to loans | 0.0289% | 4,578 |
| Net loans and leases to total assets | 78.8971% | 1,058 |
| Net loans and leases to deposits | 98.4315% | 804 |
| Net loans and leases to core deposits | 114.2610% | 768 |
| Total domestic deposits to total assets | 80.1543% | 4,009 |
| Equity capital to assets | 9.4977% | 4,404 |
| Core capital (leverage) ratio | 9.5760% | 4,073 |
| Tier 1 risk-based capital ratio | 12.6948% | 4,016 |
| Total risk-based capital ratio | 13.8198% | 3,983 |
| Memoranda: | ||
| Average total assets | $111,653,000 | 3,875 |
| Average earning assets | $98,714,330 | 3,944 |
| Average equity | $10,072,670 | 4,293 |
| Average total loans | $88,929,330 | 3,480 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9158% | 73 |
| Cost of funding earning assets | 0.6268% | 3,427 |
| Net interest margin | 6.2889% | 56 |
| Noninterest income to average assets | 0.9084% | 1,025 |
| Noninterest expense to average assets | 3.2334% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.4007% | 193 |
| Return on assets (ROA) | 2.4007% | 203 |
| Pretax return on assets | 3.2082% | 110 |
| Return on Equity (ROE) | 27.3469% | 69 |
| Retained earnings to average equity (ytd only) | 27.3469% | 35 |
| Net charge-offs to loans | -0.0091% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1959% | 4,810 |
| Assets per employee ($millions) | 3.4380% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,338 |
| Loan loss allowance to noncurrent loans | 3,619.2308% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 3,245 |
| Noncurrent loans to loans | 0.0294% | 4,648 |
| Net loans and leases to total assets | 79.6055% | 887 |
| Net loans and leases to deposits | 99.2093% | 684 |
| Net loans and leases to core deposits | 114.7060% | 701 |
| Total domestic deposits to total assets | 80.2400% | 4,131 |
| Equity capital to assets | 9.1660% | 4,562 |
| Core capital (leverage) ratio | 9.0989% | 4,575 |
| Tier 1 risk-based capital ratio | 12.1394% | 4,388 |
| Total risk-based capital ratio | 13.2796% | 4,337 |
| Memoranda: | ||
| Average total assets | $110,966,000 | 3,921 |
| Average earning assets | $97,632,000 | 4,016 |
| Average equity | $9,741,500 | 4,362 |
| Average total loans | $88,334,500 | 3,528 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6221% | 79 |
| Cost of funding earning assets | 0.5703% | 2,920 |
| Net interest margin | 6.0519% | 70 |
| Noninterest income to average assets | 0.8373% | 1,345 |
| Noninterest expense to average assets | 3.2381% | 1,456 |
| Loan and lease loss provision to assets | 0.0839% | 2,452 |
| Net operating income to assets | 2.3451% | 199 |
| Return on assets (ROA) | 2.3451% | 192 |
| Pretax return on assets | 2.8397% | 119 |
| Return on Equity (ROE) | 26.6149% | 65 |
| Retained earnings to average equity (ytd only) | 2.5562% | 4,122 |
| Net charge-offs to loans | 0.0162% | 3,144 |
| Credit loss provision to net charge-offs | 678.5714% | 511 |
| Earnings coverage of net charge-offs (x) | 236.4286% | 395 |
| Efficiency ratio | 52.5516% | 4,752 |
| Assets per employee ($millions) | 3.3914% | 4,665 |
| Cash dividends to net income (ytd only)* | 90.3955% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,280 |
| Loan loss allowance to noncurrent loans | 3,619.2308% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 3,217 |
| Noncurrent loans to loans | 0.0295% | 4,636 |
| Net loans and leases to total assets | 77.9229% | 1,283 |
| Net loans and leases to deposits | 96.9150% | 984 |
| Net loans and leases to core deposits | 112.3031% | 867 |
| Total domestic deposits to total assets | 80.4033% | 4,012 |
| Equity capital to assets | 8.3982% | 4,990 |
| Core capital (leverage) ratio | 8.3603% | 5,083 |
| Tier 1 risk-based capital ratio | 11.2415% | 4,841 |
| Total risk-based capital ratio | 12.3697% | 4,817 |
| Memoranda: | ||
| Average total assets | $113,216,200 | 3,896 |
| Average earning assets | $99,605,400 | 3,983 |
| Average equity | $9,975,600 | 4,300 |
| Average total loans | $86,417,000 | 3,546 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5599% | 80 |
| Cost of funding earning assets | 0.5599% | 2,791 |
| Net interest margin | 6.0000% | 72 |
| Noninterest income to average assets | 0.8361% | 1,364 |
| Noninterest expense to average assets | 3.1941% | 1,537 |
| Loan and lease loss provision to assets | 0.0763% | 2,434 |
| Net operating income to assets | 2.4261% | 176 |
| Return on assets (ROA) | 2.4261% | 177 |
| Pretax return on assets | 2.8512% | 133 |
| Return on Equity (ROE) | 27.2200% | 53 |
| Retained earnings to average equity (ytd only) | 27.2200% | 15 |
| Net charge-offs to loans | 0.0186% | 2,775 |
| Credit loss provision to net charge-offs | 541.6667% | 654 |
| Earnings coverage of net charge-offs (x) | 207.7450% | 430 |
| Efficiency ratio | 52.1772% | 4,790 |
| Assets per employee ($millions) | 3.1608% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,563 |
| Loan loss allowance to noncurrent loans | 604.0000% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,476 |
| Noncurrent loans to loans | 0.1712% | 4,123 |
| Net loans and leases to total assets | 76.2016% | 1,634 |
| Net loans and leases to deposits | 96.4848% | 1,094 |
| Net loans and leases to core deposits | 111.7989% | 921 |
| Total domestic deposits to total assets | 78.9778% | 4,320 |
| Equity capital to assets | 9.8533% | 3,777 |
| Core capital (leverage) ratio | 9.9623% | 3,680 |
| Tier 1 risk-based capital ratio | 13.2748% | 3,740 |
| Total risk-based capital ratio | 14.3590% | 3,752 |
| Memoranda: | ||
| Average total assets | $113,541,000 | 3,931 |
| Average earning assets | $100,020,000 | 4,014 |
| Average equity | $10,119,750 | 4,327 |
| Average total loans | $85,983,750 | 3,577 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5091% | 79 |
| Cost of funding earning assets | 0.5590% | 2,529 |
| Net interest margin | 5.9502% | 74 |
| Noninterest income to average assets | 0.8408% | 1,346 |
| Noninterest expense to average assets | 3.1606% | 1,633 |
| Loan and lease loss provision to assets | 0.0353% | 3,211 |
| Net operating income to assets | 2.1559% | 274 |
| Return on assets (ROA) | 2.1559% | 268 |
| Pretax return on assets | 2.8804% | 131 |
| Return on Equity (ROE) | 25.0726% | 82 |
| Retained earnings to average equity (ytd only) | 25.0726% | 23 |
| Net charge-offs to loans | 0.0375% | 2,103 |
| Credit loss provision to net charge-offs | 125.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 103.3750% | 682 |
| Efficiency ratio | 52.0162% | 4,891 |
| Assets per employee ($millions) | 3.4078% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,927 |
| Loan loss allowance to noncurrent loans | 144.7059% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 2,120 |
| Noncurrent loans to loans | 0.6816% | 2,405 |
| Net loans and leases to total assets | 76.8549% | 1,500 |
| Net loans and leases to deposits | 97.4957% | 997 |
| Net loans and leases to core deposits | 112.8362% | 847 |
| Total domestic deposits to total assets | 78.8291% | 4,457 |
| Equity capital to assets | 9.2152% | 4,366 |
| Core capital (leverage) ratio | 9.1422% | 4,528 |
| Tier 1 risk-based capital ratio | 12.3963% | 4,246 |
| Total risk-based capital ratio | 13.4337% | 4,260 |
| Memoranda: | ||
| Average total assets | $113,458,330 | 3,957 |
| Average earning assets | $99,829,000 | 4,053 |
| Average equity | $9,755,670 | 4,417 |
| Average total loans | $85,440,000 | 3,616 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5358% | 78 |
| Cost of funding earning assets | 0.5450% | 2,443 |
| Net interest margin | 5.9908% | 70 |
| Noninterest income to average assets | 0.8635% | 1,254 |
| Noninterest expense to average assets | 3.1099% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.2464% | 224 |
| Return on assets (ROA) | 2.2464% | 224 |
| Pretax return on assets | 3.0011% | 115 |
| Return on Equity (ROE) | 27.0842% | 68 |
| Retained earnings to average equity (ytd only) | 27.0842% | 33 |
| Net charge-offs to loans | 0.0947% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 1,033 |
| Efficiency ratio | 50.8903% | 5,030 |
| Assets per employee ($millions) | 3.4437% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 4,134 |
| Loan loss allowance to noncurrent loans | 554.0000% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,623 |
| Noncurrent loans to loans | 0.1745% | 4,198 |
| Net loans and leases to total assets | 74.9012% | 1,723 |
| Net loans and leases to deposits | 96.2765% | 1,007 |
| Net loans and leases to core deposits | 111.0328% | 947 |
| Total domestic deposits to total assets | 77.7980% | 4,753 |
| Equity capital to assets | 8.5971% | 4,902 |
| Core capital (leverage) ratio | 8.5569% | 5,099 |
| Tier 1 risk-based capital ratio | 11.4292% | 4,891 |
| Total risk-based capital ratio | 12.4122% | 4,948 |
| Memoranda: | ||
| Average total assets | $113,959,500 | 3,993 |
| Average earning assets | $99,820,000 | 4,102 |
| Average equity | $9,452,000 | 4,512 |
| Average total loans | $84,515,500 | 3,662 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2374% | 105 |
| Cost of funding earning assets | 0.5645% | 1,859 |
| Net interest margin | 5.6729% | 88 |
| Noninterest income to average assets | 0.8412% | 1,436 |
| Noninterest expense to average assets | 3.3163% | 1,343 |
| Loan and lease loss provision to assets | 0.0110% | 4,062 |
| Net operating income to assets | 1.6055% | 647 |
| Return on assets (ROA) | 1.6055% | 661 |
| Pretax return on assets | 2.5090% | 176 |
| Return on Equity (ROE) | 19.8497% | 201 |
| Retained earnings to average equity (ytd only) | 11.9279% | 181 |
| Net charge-offs to loans | 0.0099% | 3,737 |
| Credit loss provision to net charge-offs | 150.0000% | 1,774 |
| Earnings coverage of net charge-offs (x) | 344.1250% | 257 |
| Efficiency ratio | 56.8225% | 4,681 |
| Assets per employee ($millions) | 3.4629% | 4,750 |
| Cash dividends to net income (ytd only)* | 39.9088% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 4,267 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.9539% | 2,245 |
| Net loans and leases to deposits | 92.4542% | 1,460 |
| Net loans and leases to core deposits | 106.7205% | 1,227 |
| Total domestic deposits to total assets | 77.8265% | 4,740 |
| Equity capital to assets | 7.9929% | 5,397 |
| Core capital (leverage) ratio | 8.1306% | 5,389 |
| Tier 1 risk-based capital ratio | 10.8912% | 5,203 |
| Total risk-based capital ratio | 11.9183% | 5,198 |
| Memoranda: | ||
| Average total assets | $109,248,600 | 4,077 |
| Average earning assets | $96,194,000 | 4,157 |
| Average equity | $8,836,400 | 4,640 |
| Average total loans | $80,832,600 | 3,734 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2480% | 100 |
| Cost of funding earning assets | 0.5600% | 1,810 |
| Net interest margin | 5.6880% | 82 |
| Noninterest income to average assets | 0.8235% | 1,505 |
| Noninterest expense to average assets | 3.2965% | 1,356 |
| Loan and lease loss provision to assets | 0.0049% | 4,023 |
| Net operating income to assets | 1.6260% | 670 |
| Return on assets (ROA) | 1.6260% | 692 |
| Pretax return on assets | 2.5508% | 195 |
| Return on Equity (ROE) | 20.0406% | 222 |
| Retained earnings to average equity (ytd only) | 20.0406% | 51 |
| Net charge-offs to loans | 0.0166% | 3,186 |
| Credit loss provision to net charge-offs | 40.0000% | 2,999 |
| Earnings coverage of net charge-offs (x) | 207.0465% | 420 |
| Efficiency ratio | 56.3291% | 4,702 |
| Assets per employee ($millions) | 3.3420% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,768 |
| Loan loss allowance to noncurrent loans | 1,680.0000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 4,165 |
| Noncurrent loans to loans | 0.0627% | 4,831 |
| Net loans and leases to total assets | 71.5474% | 2,326 |
| Net loans and leases to deposits | 93.3633% | 1,371 |
| Net loans and leases to core deposits | 105.0301% | 1,333 |
| Total domestic deposits to total assets | 76.6333% | 4,941 |
| Equity capital to assets | 8.5361% | 5,264 |
| Core capital (leverage) ratio | 8.5090% | 5,241 |
| Tier 1 risk-based capital ratio | 11.4834% | 4,969 |
| Total risk-based capital ratio | 12.5227% | 4,987 |
| Memoranda: | ||
| Average total assets | $107,991,750 | 4,138 |
| Average earning assets | $95,473,250 | 4,213 |
| Average equity | $8,762,000 | 4,700 |
| Average total loans | $80,270,750 | 3,773 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2458% | 98 |
| Cost of funding earning assets | 0.5546% | 1,748 |
| Net interest margin | 5.6912% | 87 |
| Noninterest income to average assets | 0.8263% | 1,482 |
| Noninterest expense to average assets | 3.2529% | 1,466 |
| Loan and lease loss provision to assets | 0.0019% | 3,855 |
| Net operating income to assets | 1.6675% | 601 |
| Return on assets (ROA) | 1.6675% | 622 |
| Pretax return on assets | 2.6057% | 183 |
| Return on Equity (ROE) | 20.9253% | 180 |
| Retained earnings to average equity (ytd only) | 20.9253% | 52 |
| Net charge-offs to loans | 0.0249% | 2,721 |
| Credit loss provision to net charge-offs | 10.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 139.8000% | 529 |
| Efficiency ratio | 55.5060% | 4,875 |
| Assets per employee ($millions) | 3.2001% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,975 |
| Loan loss allowance to noncurrent loans | 1,320.3125% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 2,963 |
| Noncurrent loans to loans | 0.0779% | 4,825 |
| Net loans and leases to total assets | 72.6338% | 2,102 |
| Net loans and leases to deposits | 93.8154% | 1,284 |
| Net loans and leases to core deposits | 105.2011% | 1,283 |
| Total domestic deposits to total assets | 77.4220% | 4,899 |
| Equity capital to assets | 8.0292% | 5,525 |
| Core capital (leverage) ratio | 8.2002% | 5,427 |
| Tier 1 risk-based capital ratio | 10.2535% | 5,557 |
| Total risk-based capital ratio | 11.2216% | 5,594 |
| Memoranda: | ||
| Average total assets | $107,227,330 | 4,184 |
| Average earning assets | $94,848,330 | 4,252 |
| Average equity | $8,544,670 | 4,762 |
| Average total loans | $80,445,670 | 3,784 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2810% | 92 |
| Cost of funding earning assets | 0.5241% | 1,907 |
| Net interest margin | 5.7569% | 91 |
| Noninterest income to average assets | 0.7936% | 1,578 |
| Noninterest expense to average assets | 3.2011% | 1,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7093% | 538 |
| Return on assets (ROA) | 1.7093% | 547 |
| Pretax return on assets | 2.7051% | 167 |
| Return on Equity (ROE) | 21.5372% | 166 |
| Retained earnings to average equity (ytd only) | 21.5372% | 84 |
| Net charge-offs to loans | 0.0352% | 2,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 101.2857% | 525 |
| Efficiency ratio | 54.1990% | 5,107 |
| Assets per employee ($millions) | 3.0749% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,984 |
| Loan loss allowance to noncurrent loans | 965.5172% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 3,111 |
| Noncurrent loans to loans | 0.1086% | 4,758 |
| Net loans and leases to total assets | 73.6443% | 1,797 |
| Net loans and leases to deposits | 97.1096% | 839 |
| Net loans and leases to core deposits | 106.3896% | 1,075 |
| Total domestic deposits to total assets | 75.8363% | 5,247 |
| Equity capital to assets | 7.9418% | 5,546 |
| Core capital (leverage) ratio | 8.1950% | 5,454 |
| Tier 1 risk-based capital ratio | 10.1923% | 5,651 |
| Total risk-based capital ratio | 11.2072% | 5,682 |
| Memoranda: | ||
| Average total assets | $104,839,500 | 4,268 |
| Average earning assets | $93,106,000 | 4,332 |
| Average equity | $8,320,500 | 4,837 |
| Average total loans | $79,570,000 | 3,819 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9885% | 128 |
| Cost of funding earning assets | 0.4625% | 2,425 |
| Net interest margin | 5.5259% | 106 |
| Noninterest income to average assets | 0.8788% | 1,482 |
| Noninterest expense to average assets | 3.1757% | 1,852 |
| Loan and lease loss provision to assets | 0.0192% | 3,992 |
| Net operating income to assets | 1.7366% | 502 |
| Return on assets (ROA) | 1.7366% | 529 |
| Pretax return on assets | 2.6701% | 156 |
| Return on Equity (ROE) | 21.3187% | 169 |
| Retained earnings to average equity (ytd only) | 2.4734% | 4,110 |
| Net charge-offs to loans | 0.0038% | 4,120 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 934.3333% | 83 |
| Efficiency ratio | 54.1469% | 5,232 |
| Assets per employee ($millions) | 2.9160% | 5,414 |
| Cash dividends to net income (ytd only)* | 88.3978% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,887 |
| Loan loss allowance to noncurrent loans | 3,253.8462% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 3,261 |
| Noncurrent loans to loans | 0.0329% | 5,134 |
| Net loans and leases to total assets | 76.6204% | 1,418 |
| Net loans and leases to deposits | 99.1819% | 731 |
| Net loans and leases to core deposits | 106.6370% | 1,089 |
| Total domestic deposits to total assets | 77.2524% | 5,081 |
| Equity capital to assets | 7.9307% | 5,592 |
| Core capital (leverage) ratio | 7.8524% | 5,668 |
| Tier 1 risk-based capital ratio | 10.0237% | 5,730 |
| Total risk-based capital ratio | 11.0845% | 5,749 |
| Memoranda: | ||
| Average total assets | $104,227,600 | 4,281 |
| Average earning assets | $94,047,400 | 4,308 |
| Average equity | $8,490,200 | 4,844 |
| Average total loans | $79,290,000 | 3,815 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9366% | 129 |
| Cost of funding earning assets | 0.4609% | 2,457 |
| Net interest margin | 5.4758% | 120 |
| Noninterest income to average assets | 0.8755% | 1,486 |
| Noninterest expense to average assets | 3.2324% | 1,713 |
| Loan and lease loss provision to assets | 0.0255% | 3,735 |
| Net operating income to assets | 1.6938% | 600 |
| Return on assets (ROA) | 1.6938% | 638 |
| Pretax return on assets | 2.5770% | 196 |
| Return on Equity (ROE) | 20.6609% | 208 |
| Retained earnings to average equity (ytd only) | 20.6609% | 48 |
| Net charge-offs to loans | 0.0034% | 3,811 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 1,021.1985% | 77 |
| Efficiency ratio | 55.3980% | 5,118 |
| Assets per employee ($millions) | 2.9526% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 4,136 |
| Loan loss allowance to noncurrent loans | 158.3955% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 1,840 |
| Noncurrent loans to loans | 0.6617% | 3,047 |
| Net loans and leases to total assets | 77.5636% | 1,276 |
| Net loans and leases to deposits | 101.6757% | 595 |
| Net loans and leases to core deposits | 115.6621% | 669 |
| Total domestic deposits to total assets | 76.2853% | 5,194 |
| Equity capital to assets | 8.9316% | 5,226 |
| Core capital (leverage) ratio | 8.8921% | 4,951 |
| Tier 1 risk-based capital ratio | 11.2551% | 5,224 |
| Total risk-based capital ratio | 12.3025% | 5,251 |
| Memoranda: | ||
| Average total assets | $104,769,750 | 4,303 |
| Average earning assets | $94,888,500 | 4,330 |
| Average equity | $8,589,250 | 4,869 |
| Average total loans | $79,351,500 | 3,842 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9188% | 135 |
| Cost of funding earning assets | 0.4597% | 2,479 |
| Net interest margin | 5.4592% | 124 |
| Noninterest income to average assets | 0.8912% | 1,400 |
| Noninterest expense to average assets | 3.1393% | 1,952 |
| Loan and lease loss provision to assets | 0.0380% | 3,397 |
| Net operating income to assets | 1.7768% | 494 |
| Return on assets (ROA) | 1.7768% | 524 |
| Pretax return on assets | 2.6566% | 178 |
| Return on Equity (ROE) | 22.3266% | 146 |
| Retained earnings to average equity (ytd only) | 22.3266% | 43 |
| Net charge-offs to loans | -0.0025% | 4,399 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8111% | 5,326 |
| Assets per employee ($millions) | 3.0347% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 4,036 |
| Loan loss allowance to noncurrent loans | 133.1768% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 1,720 |
| Noncurrent loans to loans | 0.8132% | 2,713 |
| Net loans and leases to total assets | 75.3370% | 1,587 |
| Net loans and leases to deposits | 94.6232% | 1,227 |
| Net loans and leases to core deposits | 107.0453% | 1,101 |
| Total domestic deposits to total assets | 79.6179% | 4,644 |
| Equity capital to assets | 8.5657% | 5,561 |
| Core capital (leverage) ratio | 8.1969% | 5,602 |
| Tier 1 risk-based capital ratio | 11.5912% | 5,095 |
| Total risk-based capital ratio | 12.7222% | 5,060 |
| Memoranda: | ||
| Average total assets | $105,246,000 | 4,330 |
| Average earning assets | $95,289,000 | 4,356 |
| Average equity | $8,375,670 | 4,953 |
| Average total loans | $78,800,670 | 3,873 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9906% | 123 |
| Cost of funding earning assets | 0.4724% | 2,350 |
| Net interest margin | 5.5183% | 112 |
| Noninterest income to average assets | 0.8544% | 1,433 |
| Noninterest expense to average assets | 3.0636% | 2,198 |
| Loan and lease loss provision to assets | 0.0753% | 2,452 |
| Net operating income to assets | 1.8856% | 409 |
| Return on assets (ROA) | 1.8856% | 435 |
| Pretax return on assets | 2.6835% | 178 |
| Return on Equity (ROE) | 24.6056% | 106 |
| Retained earnings to average equity (ytd only) | 24.6056% | 49 |
| Net charge-offs to loans | -0.0152% | 4,722 |
| Credit loss provision to net charge-offs | -666.6667% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6180% | 5,479 |
| Assets per employee ($millions) | 3.0213% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 4,208 |
| Loan loss allowance to noncurrent loans | 86.0161% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.8460% | 992 |
| Noncurrent loans to loans | 1.2469% | 1,941 |
| Net loans and leases to total assets | 74.5794% | 1,631 |
| Net loans and leases to deposits | 92.8544% | 1,243 |
| Net loans and leases to core deposits | 108.6970% | 935 |
| Total domestic deposits to total assets | 80.3187% | 4,678 |
| Equity capital to assets | 7.9427% | 5,841 |
| Core capital (leverage) ratio | 7.8823% | 5,818 |
| Tier 1 risk-based capital ratio | 10.9666% | 5,523 |
| Total risk-based capital ratio | 12.0958% | 5,493 |
| Memoranda: | ||
| Average total assets | $106,279,500 | 4,338 |
| Average earning assets | $95,682,500 | 4,388 |
| Average equity | $8,144,500 | 5,028 |
| Average total loans | $78,909,500 | 3,890 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8919% | 148 |
| Cost of funding earning assets | 0.4033% | 3,118 |
| Net interest margin | 5.4886% | 125 |
| Noninterest income to average assets | 1.0061% | 1,166 |
| Noninterest expense to average assets | 3.1087% | 2,207 |
| Loan and lease loss provision to assets | 0.1038% | 2,253 |
| Net operating income to assets | 1.8628% | 435 |
| Return on assets (ROA) | 1.8628% | 445 |
| Pretax return on assets | 2.8717% | 124 |
| Return on Equity (ROE) | 22.9981% | 137 |
| Retained earnings to average equity (ytd only) | 0.0823% | 5,472 |
| Net charge-offs to loans | 0.1087% | 2,296 |
| Credit loss provision to net charge-offs | 126.7442% | 2,052 |
| Earnings coverage of net charge-offs (x) | 36.3488% | 1,269 |
| Efficiency ratio | 51.0951% | 5,698 |
| Assets per employee ($millions) | 2.8109% | 5,699 |
| Cash dividends to net income (ytd only)* | 99.6423% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 4,242 |
| Loan loss allowance to noncurrent loans | 221.6000% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 1.2320% | 1,746 |
| Noncurrent loans to loans | 0.4802% | 3,756 |
| Net loans and leases to total assets | 72.3398% | 1,992 |
| Net loans and leases to deposits | 89.0063% | 1,747 |
| Net loans and leases to core deposits | 104.8227% | 1,178 |
| Total domestic deposits to total assets | 81.2749% | 4,407 |
| Equity capital to assets | 7.3867% | 5,999 |
| Core capital (leverage) ratio | 7.4346% | 5,988 |
| Tier 1 risk-based capital ratio | 10.6115% | 5,722 |
| Total risk-based capital ratio | 11.7427% | 5,700 |
| Memoranda: | ||
| Average total assets | $105,059,600 | 4,359 |
| Average earning assets | $97,200,800 | 4,363 |
| Average equity | $8,509,400 | 4,958 |
| Average total loans | $79,126,400 | 3,856 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 144 |
| Cost of funding earning assets | 0.4008% | 3,216 |
| Net interest margin | 5.5310% | 118 |
| Noninterest income to average assets | 1.0170% | 1,150 |
| Noninterest expense to average assets | 3.1108% | 2,195 |
| Loan and lease loss provision to assets | 0.0624% | 2,935 |
| Net operating income to assets | 1.9511% | 390 |
| Return on assets (ROA) | 1.9511% | 407 |
| Pretax return on assets | 2.9796% | 125 |
| Return on Equity (ROE) | 23.5598% | 148 |
| Retained earnings to average equity (ytd only) | 23.5598% | 51 |
| Net charge-offs to loans | 0.1478% | 1,658 |
| Credit loss provision to net charge-offs | 55.6818% | 2,963 |
| Earnings coverage of net charge-offs (x) | 27.1251% | 1,596 |
| Efficiency ratio | 50.5592% | 5,746 |
| Assets per employee ($millions) | 2.8373% | 5,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 4,906 |
| Loan loss allowance to noncurrent loans | 118.2796% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 2.1117% | 932 |
| Noncurrent loans to loans | 0.8178% | 2,922 |
| Net loans and leases to total assets | 77.1791% | 1,226 |
| Net loans and leases to deposits | 94.4866% | 1,140 |
| Net loans and leases to core deposits | 112.6652% | 729 |
| Total domestic deposits to total assets | 81.6825% | 4,263 |
| Equity capital to assets | 9.2292% | 5,082 |
| Core capital (leverage) ratio | 9.0073% | 4,989 |
| Tier 1 risk-based capital ratio | 12.9432% | 4,458 |
| Total risk-based capital ratio | 14.0161% | 4,480 |
| Memoranda: | ||
| Average total assets | $104,621,000 | 4,408 |
| Average earning assets | $97,147,750 | 4,406 |
| Average equity | $8,664,250 | 4,983 |
| Average total loans | $79,383,000 | 3,881 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8141% | 162 |
| Cost of funding earning assets | 0.4034% | 3,242 |
| Net interest margin | 5.4107% | 140 |
| Noninterest income to average assets | 0.9332% | 1,348 |
| Noninterest expense to average assets | 3.0575% | 2,372 |
| Loan and lease loss provision to assets | 0.0171% | 3,785 |
| Net operating income to assets | 1.9384% | 408 |
| Return on assets (ROA) | 1.9384% | 424 |
| Pretax return on assets | 2.8962% | 145 |
| Return on Equity (ROE) | 24.3044% | 131 |
| Retained earnings to average equity (ytd only) | 24.3044% | 52 |
| Net charge-offs to loans | 0.0177% | 3,347 |
| Credit loss provision to net charge-offs | 128.5714% | 1,709 |
| Earnings coverage of net charge-offs (x) | 219.4286% | 319 |
| Efficiency ratio | 51.2071% | 5,779 |
| Assets per employee ($millions) | 3.1315% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 4,761 |
| Loan loss allowance to noncurrent loans | 256.5079% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.6295% | 1,475 |
| Noncurrent loans to loans | 0.3981% | 4,287 |
| Net loans and leases to total assets | 73.5630% | 1,733 |
| Net loans and leases to deposits | 88.7383% | 1,749 |
| Net loans and leases to core deposits | 106.4677% | 1,050 |
| Total domestic deposits to total assets | 82.8988% | 3,986 |
| Equity capital to assets | 8.3759% | 5,776 |
| Core capital (leverage) ratio | 8.3608% | 5,667 |
| Tier 1 risk-based capital ratio | 12.2177% | 4,988 |
| Total risk-based capital ratio | 13.3429% | 4,978 |
| Memoranda: | ||
| Average total assets | $105,447,000 | 4,436 |
| Average earning assets | $98,175,670 | 4,419 |
| Average equity | $8,410,000 | 5,071 |
| Average total loans | $79,309,670 | 3,906 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7372% | 182 |
| Cost of funding earning assets | 0.3993% | 3,313 |
| Net interest margin | 5.3379% | 148 |
| Noninterest income to average assets | 0.8805% | 1,452 |
| Noninterest expense to average assets | 3.0114% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0279% | 326 |
| Return on assets (ROA) | 2.0279% | 340 |
| Pretax return on assets | 2.8627% | 145 |
| Return on Equity (ROE) | 26.0912% | 94 |
| Retained earnings to average equity (ytd only) | 26.0912% | 40 |
| Net charge-offs to loans | 0.0252% | 2,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 150.2000% | 357 |
| Efficiency ratio | 51.2654% | 5,846 |
| Assets per employee ($millions) | 2.7649% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 4,911 |
| Loan loss allowance to noncurrent loans | 55.9582% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 1,824 |
| Noncurrent loans to loans | 1.8277% | 1,475 |
| Net loans and leases to total assets | 73.9633% | 1,508 |
| Net loans and leases to deposits | 88.8542% | 1,526 |
| Net loans and leases to core deposits | 106.7547% | 893 |
| Total domestic deposits to total assets | 83.2412% | 4,101 |
| Equity capital to assets | 8.0196% | 6,022 |
| Core capital (leverage) ratio | 7.9255% | 5,984 |
| Tier 1 risk-based capital ratio | 11.7508% | 5,409 |
| Total risk-based capital ratio | 12.8864% | 5,384 |
| Memoranda: | ||
| Average total assets | $104,934,500 | 4,478 |
| Average earning assets | $98,166,000 | 4,449 |
| Average equity | $8,156,000 | 5,177 |
| Average total loans | $79,398,500 | 3,916 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9757% | 160 |
| Cost of funding earning assets | 0.4374% | 3,305 |
| Net interest margin | 5.5382% | 127 |
| Noninterest income to average assets | 1.1448% | 925 |
| Noninterest expense to average assets | 3.2807% | 1,972 |
| Loan and lease loss provision to assets | 0.0493% | 3,582 |
| Net operating income to assets | 1.8886% | 398 |
| Return on assets (ROA) | 1.8886% | 417 |
| Pretax return on assets | 3.0005% | 115 |
| Return on Equity (ROE) | 23.1580% | 147 |
| Retained earnings to average equity (ytd only) | 0.6515% | 5,466 |
| Net charge-offs to loans | 0.0684% | 3,498 |
| Credit loss provision to net charge-offs | 96.2264% | 2,512 |
| Earnings coverage of net charge-offs (x) | 59.5660% | 799 |
| Efficiency ratio | 51.8236% | 5,996 |
| Assets per employee ($millions) | 3.0824% | 5,586 |
| Cash dividends to net income (ytd only)* | 97.1867% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 5,027 |
| Loan loss allowance to noncurrent loans | 53.3069% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4542% | 1,889 |
| Noncurrent loans to loans | 1.8833% | 1,501 |
| Net loans and leases to total assets | 75.8354% | 1,293 |
| Net loans and leases to deposits | 90.5287% | 1,461 |
| Net loans and leases to core deposits | 109.1747% | 820 |
| Total domestic deposits to total assets | 83.7694% | 3,814 |
| Equity capital to assets | 7.5247% | 6,228 |
| Core capital (leverage) ratio | 7.4354% | 6,226 |
| Tier 1 risk-based capital ratio | 10.9922% | 5,912 |
| Total risk-based capital ratio | 12.1331% | 5,885 |
| Memoranda: | ||
| Average total assets | $103,515,400 | 4,515 |
| Average earning assets | $96,926,000 | 4,485 |
| Average equity | $8,442,000 | 5,099 |
| Average total loans | $77,469,800 | 3,954 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0007% | 155 |
| Cost of funding earning assets | 0.4456% | 3,302 |
| Net interest margin | 5.5551% | 127 |
| Noninterest income to average assets | 1.1951% | 841 |
| Noninterest expense to average assets | 3.3102% | 1,882 |
| Loan and lease loss provision to assets | 0.0116% | 4,185 |
| Net operating income to assets | 1.9497% | 378 |
| Return on assets (ROA) | 1.9497% | 386 |
| Pretax return on assets | 3.0763% | 109 |
| Return on Equity (ROE) | 23.4466% | 142 |
| Retained earnings to average equity (ytd only) | 23.4466% | 40 |
| Net charge-offs to loans | 0.0538% | 3,442 |
| Credit loss provision to net charge-offs | 29.0323% | 3,464 |
| Earnings coverage of net charge-offs (x) | 77.1011% | 722 |
| Efficiency ratio | 51.7367% | 6,009 |
| Assets per employee ($millions) | 2.7703% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 5,297 |
| Loan loss allowance to noncurrent loans | 53.5154% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.4030% | 2,201 |
| Noncurrent loans to loans | 1.8298% | 1,751 |
| Net loans and leases to total assets | 75.3106% | 1,320 |
| Net loans and leases to deposits | 91.5464% | 1,279 |
| Net loans and leases to core deposits | 110.7045% | 717 |
| Total domestic deposits to total assets | 82.2650% | 4,388 |
| Equity capital to assets | 8.8751% | 5,488 |
| Core capital (leverage) ratio | 8.9798% | 5,101 |
| Tier 1 risk-based capital ratio | 12.7747% | 4,991 |
| Total risk-based capital ratio | 13.8669% | 5,019 |
| Memoranda: | ||
| Average total assets | $103,193,750 | 4,565 |
| Average earning assets | $96,653,000 | 4,533 |
| Average equity | $8,581,000 | 5,113 |
| Average total loans | $76,766,500 | 4,000 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9946% | 150 |
| Cost of funding earning assets | 0.4531% | 3,291 |
| Net interest margin | 5.5415% | 127 |
| Noninterest income to average assets | 1.1883% | 831 |
| Noninterest expense to average assets | 3.3327% | 1,835 |
| Loan and lease loss provision to assets | 0.0059% | 4,119 |
| Net operating income to assets | 1.9434% | 378 |
| Return on assets (ROA) | 1.9434% | 392 |
| Pretax return on assets | 3.0283% | 115 |
| Return on Equity (ROE) | 23.9222% | 141 |
| Retained earnings to average equity (ytd only) | 23.9222% | 51 |
| Net charge-offs to loans | 0.0687% | 3,014 |
| Credit loss provision to net charge-offs | 11.5385% | 3,288 |
| Earnings coverage of net charge-offs (x) | 59.8077% | 809 |
| Efficiency ratio | 52.3445% | 6,043 |
| Assets per employee ($millions) | 2.7116% | 6,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 5,338 |
| Loan loss allowance to noncurrent loans | 53.3788% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.4334% | 2,278 |
| Noncurrent loans to loans | 1.8770% | 1,827 |
| Net loans and leases to total assets | 74.9881% | 1,307 |
| Net loans and leases to deposits | 90.9612% | 1,275 |
| Net loans and leases to core deposits | 111.1579% | 642 |
| Total domestic deposits to total assets | 82.4397% | 4,491 |
| Equity capital to assets | 8.5725% | 5,741 |
| Core capital (leverage) ratio | 8.5647% | 5,569 |
| Tier 1 risk-based capital ratio | 12.4298% | 5,278 |
| Total risk-based capital ratio | 13.5514% | 5,279 |
| Memoranda: | ||
| Average total assets | $102,501,000 | 4,623 |
| Average earning assets | $95,786,000 | 4,584 |
| Average equity | $8,327,000 | 5,191 |
| Average total loans | $75,667,000 | 4,057 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9295% | 157 |
| Cost of funding earning assets | 0.4532% | 3,395 |
| Net interest margin | 5.4763% | 134 |
| Noninterest income to average assets | 1.1542% | 834 |
| Noninterest expense to average assets | 3.4745% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8585% | 437 |
| Return on assets (ROA) | 1.8585% | 460 |
| Pretax return on assets | 2.7858% | 165 |
| Return on Equity (ROE) | 23.5323% | 160 |
| Retained earnings to average equity (ytd only) | 23.5323% | 70 |
| Net charge-offs to loans | 0.0376% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 101.7143% | 448 |
| Efficiency ratio | 55.5000% | 5,877 |
| Assets per employee ($millions) | 2.7049% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,194 |
| Loan loss allowance to noncurrent loans | 52.0592% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.5235% | 2,323 |
| Noncurrent loans to loans | 2.0807% | 1,777 |
| Net loans and leases to total assets | 71.8741% | 1,593 |
| Net loans and leases to deposits | 86.8570% | 1,486 |
| Net loans and leases to core deposits | 107.6531% | 688 |
| Total domestic deposits to total assets | 82.7499% | 4,689 |
| Equity capital to assets | 8.0817% | 5,993 |
| Core capital (leverage) ratio | 8.1178% | 6,024 |
| Tier 1 risk-based capital ratio | 12.0861% | 5,582 |
| Total risk-based capital ratio | 13.2698% | 5,565 |
| Memoranda: | ||
| Average total assets | $102,232,000 | 4,678 |
| Average earning assets | $95,320,500 | 4,645 |
| Average equity | $8,074,000 | 5,270 |
| Average total loans | $74,476,000 | 4,123 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1559% | 134 |
| Cost of funding earning assets | 0.4986% | 3,629 |
| Net interest margin | 5.6574% | 110 |
| Noninterest income to average assets | 1.0388% | 1,300 |
| Noninterest expense to average assets | 3.0379% | 2,938 |
| Loan and lease loss provision to assets | 0.0698% | 3,729 |
| Net operating income to assets | 2.0068% | 337 |
| Return on assets (ROA) | 2.0068% | 338 |
| Pretax return on assets | 3.1468% | 104 |
| Return on Equity (ROE) | 24.6687% | 132 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,851 |
| Net charge-offs to loans | 0.1167% | 3,644 |
| Credit loss provision to net charge-offs | 82.9545% | 2,955 |
| Earnings coverage of net charge-offs (x) | 38.2500% | 985 |
| Efficiency ratio | 48.5714% | 6,471 |
| Assets per employee ($millions) | 2.7480% | 6,167 |
| Cash dividends to net income (ytd only)* | 100.0000% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,155 |
| Loan loss allowance to noncurrent loans | 29.8028% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 2.8306% | 1,141 |
| Noncurrent loans to loans | 3.6868% | 822 |
| Net loans and leases to total assets | 72.2383% | 1,647 |
| Net loans and leases to deposits | 86.6859% | 1,608 |
| Net loans and leases to core deposits | 107.5215% | 719 |
| Total domestic deposits to total assets | 83.3333% | 4,416 |
| Equity capital to assets | 7.7118% | 6,181 |
| Core capital (leverage) ratio | 7.6119% | 6,337 |
| Tier 1 risk-based capital ratio | 11.3124% | 6,019 |
| Total risk-based capital ratio | 12.4975% | 5,995 |
| Memoranda: | ||
| Average total assets | $104,644,600 | 4,626 |
| Average earning assets | $96,476,200 | 4,607 |
| Average equity | $8,512,800 | 5,208 |
| Average total loans | $75,393,600 | 4,080 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2371% | 128 |
| Cost of funding earning assets | 0.5025% | 3,744 |
| Net interest margin | 5.7345% | 104 |
| Noninterest income to average assets | 1.0728% | 1,274 |
| Noninterest expense to average assets | 3.1034% | 2,640 |
| Loan and lease loss provision to assets | 0.0557% | 3,937 |
| Net operating income to assets | 2.0483% | 332 |
| Return on assets (ROA) | 2.0483% | 343 |
| Pretax return on assets | 3.1831% | 114 |
| Return on Equity (ROE) | 24.8666% | 123 |
| Retained earnings to average equity (ytd only) | 24.8666% | 49 |
| Net charge-offs to loans | 0.1550% | 2,999 |
| Credit loss provision to net charge-offs | 50.0000% | 3,494 |
| Earnings coverage of net charge-offs (x) | 29.0910% | 1,263 |
| Efficiency ratio | 48.9328% | 6,456 |
| Assets per employee ($millions) | 2.9800% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 5,495 |
| Loan loss allowance to noncurrent loans | 1,201.5152% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 5,481 |
| Noncurrent loans to loans | 0.0880% | 6,069 |
| Net loans and leases to total assets | 71.1307% | 1,760 |
| Net loans and leases to deposits | 86.7669% | 1,514 |
| Net loans and leases to core deposits | 109.2878% | 609 |
| Total domestic deposits to total assets | 81.9791% | 4,941 |
| Equity capital to assets | 9.0718% | 5,097 |
| Core capital (leverage) ratio | 9.1134% | 4,949 |
| Tier 1 risk-based capital ratio | 13.5176% | 4,746 |
| Total risk-based capital ratio | 14.6599% | 4,769 |
| Memoranda: | ||
| Average total assets | $105,386,750 | 4,656 |
| Average earning assets | $96,837,750 | 4,645 |
| Average equity | $8,680,750 | 5,223 |
| Average total loans | $75,675,750 | 4,098 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2186% | 129 |
| Cost of funding earning assets | 0.5060% | 3,842 |
| Net interest margin | 5.7126% | 106 |
| Noninterest income to average assets | 1.0497% | 1,382 |
| Noninterest expense to average assets | 2.9977% | 3,008 |
| Loan and lease loss provision to assets | 0.0378% | 4,192 |
| Net operating income to assets | 2.1390% | 290 |
| Return on assets (ROA) | 2.1390% | 304 |
| Pretax return on assets | 3.2662% | 122 |
| Return on Equity (ROE) | 26.8636% | 99 |
| Retained earnings to average equity (ytd only) | 26.8636% | 45 |
| Net charge-offs to loans | 0.2213% | 2,416 |
| Credit loss provision to net charge-offs | 23.8095% | 3,676 |
| Earnings coverage of net charge-offs (x) | 20.7976% | 1,442 |
| Efficiency ratio | 47.5690% | 6,562 |
| Assets per employee ($millions) | 2.7960% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,778 |
| Loan loss allowance to noncurrent loans | 224.0580% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3335% | 5,479 |
| Noncurrent loans to loans | 0.4509% | 5,135 |
| Net loans and leases to total assets | 73.2159% | 1,368 |
| Net loans and leases to deposits | 88.8222% | 1,251 |
| Net loans and leases to core deposits | 113.4895% | 445 |
| Total domestic deposits to total assets | 82.4297% | 4,899 |
| Equity capital to assets | 8.6735% | 5,584 |
| Core capital (leverage) ratio | 8.5817% | 5,578 |
| Tier 1 risk-based capital ratio | 13.0139% | 5,137 |
| Total risk-based capital ratio | 14.1373% | 5,166 |
| Memoranda: | ||
| Average total assets | $105,748,670 | 4,679 |
| Average earning assets | $97,224,000 | 4,667 |
| Average equity | $8,420,330 | 5,331 |
| Average total loans | $75,906,670 | 4,109 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4427% | 99 |
| Cost of funding earning assets | 0.5031% | 4,051 |
| Net interest margin | 5.9396% | 85 |
| Noninterest income to average assets | 0.9168% | 1,706 |
| Noninterest expense to average assets | 3.0048% | 2,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2526% | 217 |
| Return on assets (ROA) | 2.2526% | 244 |
| Pretax return on assets | 3.3453% | 119 |
| Return on Equity (ROE) | 29.5678% | 81 |
| Retained earnings to average equity (ytd only) | 29.5678% | 48 |
| Net charge-offs to loans | -0.0159% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3188% | 6,639 |
| Assets per employee ($millions) | 2.8151% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 5,657 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 4,353 |
| Noncurrent loans to loans | 1.0876% | 3,975 |
| Net loans and leases to total assets | 73.3424% | 1,162 |
| Net loans and leases to deposits | 88.6609% | 1,082 |
| Net loans and leases to core deposits | 112.8523% | 416 |
| Total domestic deposits to total assets | 82.7224% | 4,944 |
| Equity capital to assets | 8.1098% | 6,328 |
| Core capital (leverage) ratio | 7.9837% | 6,160 |
| Tier 1 risk-based capital ratio | 11.9253% | 5,961 |
| Total risk-based capital ratio | 13.1139% | 5,964 |
| Memoranda: | ||
| Average total assets | $106,896,500 | 4,685 |
| Average earning assets | $97,784,500 | 4,692 |
| Average equity | $8,144,000 | 5,449 |
| Average total loans | $75,601,500 | 4,143 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4024% | 144 |
| Cost of funding earning assets | 0.6104% | 4,249 |
| Net interest margin | 5.7920% | 106 |
| Noninterest income to average assets | 0.9752% | 1,615 |
| Noninterest expense to average assets | 2.9706% | 3,384 |
| Loan and lease loss provision to assets | 0.0729% | 4,814 |
| Net operating income to assets | 2.0348% | 335 |
| Return on assets (ROA) | 2.0348% | 368 |
| Pretax return on assets | 3.2144% | 121 |
| Return on Equity (ROE) | 25.2075% | 122 |
| Retained earnings to average equity (ytd only) | 1.4268% | 5,160 |
| Net charge-offs to loans | 0.0971% | 4,689 |
| Credit loss provision to net charge-offs | 104.1096% | 2,873 |
| Earnings coverage of net charge-offs (x) | 46.9178% | 705 |
| Efficiency ratio | 47.4693% | 6,732 |
| Assets per employee ($millions) | 2.8851% | 6,186 |
| Cash dividends to net income (ytd only)* | 94.3396% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 5,442 |
| Loan loss allowance to noncurrent loans | 101.3333% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 4,589 |
| Noncurrent loans to loans | 1.1153% | 3,980 |
| Net loans and leases to total assets | 66.7077% | 2,420 |
| Net loans and leases to deposits | 79.0623% | 2,398 |
| Net loans and leases to core deposits | 97.6892% | 1,167 |
| Total domestic deposits to total assets | 84.3736% | 4,144 |
| Equity capital to assets | 7.1519% | 6,738 |
| Core capital (leverage) ratio | 7.3383% | 6,566 |
| Tier 1 risk-based capital ratio | 11.2925% | 6,218 |
| Total risk-based capital ratio | 12.4987% | 6,211 |
| Memoranda: | ||
| Average total assets | $104,188,600 | 4,727 |
| Average earning assets | $95,027,200 | 4,724 |
| Average equity | $8,410,200 | 5,388 |
| Average total loans | $75,158,800 | 4,171 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5137% | 141 |
| Cost of funding earning assets | 0.6880% | 3,876 |
| Net interest margin | 5.8257% | 114 |
| Noninterest income to average assets | 1.0023% | 1,490 |
| Noninterest expense to average assets | 3.0303% | 3,125 |
| Loan and lease loss provision to assets | 0.0078% | 5,709 |
| Net operating income to assets | 2.0967% | 332 |
| Return on assets (ROA) | 2.0967% | 372 |
| Pretax return on assets | 3.2896% | 121 |
| Return on Equity (ROE) | 25.2084% | 138 |
| Retained earnings to average equity (ytd only) | 25.2084% | 51 |
| Net charge-offs to loans | 0.0283% | 5,265 |
| Credit loss provision to net charge-offs | 37.5000% | 4,669 |
| Earnings coverage of net charge-offs (x) | 158.9583% | 277 |
| Efficiency ratio | 47.8893% | 6,725 |
| Assets per employee ($millions) | 2.8234% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,809 |
| Loan loss allowance to noncurrent loans | 65.2139% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 3,788 |
| Noncurrent loans to loans | 1.6538% | 3,312 |
| Net loans and leases to total assets | 72.2563% | 1,509 |
| Net loans and leases to deposits | 88.0537% | 1,340 |
| Net loans and leases to core deposits | 112.3842% | 486 |
| Total domestic deposits to total assets | 82.0594% | 4,999 |
| Equity capital to assets | 8.9397% | 5,881 |
| Core capital (leverage) ratio | 8.9656% | 5,114 |
| Tier 1 risk-based capital ratio | 13.2322% | 5,075 |
| Total risk-based capital ratio | 14.4174% | 5,084 |
| Memoranda: | ||
| Average total assets | $102,827,000 | 4,808 |
| Average earning assets | $93,995,000 | 4,795 |
| Average equity | $8,552,500 | 5,400 |
| Average total loans | $75,455,750 | 4,215 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5476% | 138 |
| Cost of funding earning assets | 0.7051% | 3,973 |
| Net interest margin | 5.8424% | 110 |
| Noninterest income to average assets | 1.0422% | 1,343 |
| Noninterest expense to average assets | 2.9703% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1979% | 284 |
| Return on assets (ROA) | 2.1979% | 322 |
| Pretax return on assets | 3.4024% | 117 |
| Return on Equity (ROE) | 27.1159% | 115 |
| Retained earnings to average equity (ytd only) | 27.1159% | 50 |
| Net charge-offs to loans | 0.0160% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 290.0000% | 149 |
| Efficiency ratio | 46.6094% | 6,851 |
| Assets per employee ($millions) | 2.7696% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 5,871 |
| Loan loss allowance to noncurrent loans | 156.3327% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 5,468 |
| Noncurrent loans to loans | 0.6898% | 5,125 |
| Net loans and leases to total assets | 74.0285% | 1,236 |
| Net loans and leases to deposits | 88.9280% | 1,266 |
| Net loans and leases to core deposits | 114.0975% | 448 |
| Total domestic deposits to total assets | 83.2455% | 4,654 |
| Equity capital to assets | 8.6334% | 6,092 |
| Core capital (leverage) ratio | 8.5976% | 5,525 |
| Tier 1 risk-based capital ratio | 12.5933% | 5,504 |
| Total risk-based capital ratio | 13.7771% | 5,526 |
| Memoranda: | ||
| Average total assets | $102,280,330 | 4,850 |
| Average earning assets | $93,317,330 | 4,837 |
| Average equity | $8,290,330 | 5,483 |
| Average total loans | $75,172,000 | 4,244 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6781% | 134 |
| Cost of funding earning assets | 0.7305% | 4,022 |
| Net interest margin | 5.9476% | 107 |
| Noninterest income to average assets | 0.9551% | 1,544 |
| Noninterest expense to average assets | 2.9790% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2274% | 276 |
| Return on assets (ROA) | 2.2274% | 329 |
| Pretax return on assets | 3.3626% | 131 |
| Return on Equity (ROE) | 28.4074% | 122 |
| Retained earnings to average equity (ytd only) | 28.4074% | 63 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9753% | 6,854 |
| Assets per employee ($millions) | 2.8541% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,850 |
| Loan loss allowance to noncurrent loans | 196.9267% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 5,831 |
| Noncurrent loans to loans | 0.5657% | 5,533 |
| Net loans and leases to total assets | 71.9707% | 1,408 |
| Net loans and leases to deposits | 87.1801% | 1,263 |
| Net loans and leases to core deposits | 111.9222% | 472 |
| Total domestic deposits to total assets | 82.5541% | 5,099 |
| Equity capital to assets | 8.0723% | 6,465 |
| Core capital (leverage) ratio | 8.1216% | 6,130 |
| Tier 1 risk-based capital ratio | 12.0406% | 5,931 |
| Total risk-based capital ratio | 13.2551% | 5,944 |
| Memoranda: | ||
| Average total assets | $102,183,500 | 4,886 |
| Average earning assets | $92,541,500 | 4,889 |
| Average equity | $8,012,000 | 5,591 |
| Average total loans | $74,414,500 | 4,298 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3587% | 232 |
| Cost of funding earning assets | 0.7595% | 5,137 |
| Net interest margin | 5.5992% | 154 |
| Noninterest income to average assets | 1.2492% | 834 |
| Noninterest expense to average assets | 2.9717% | 3,697 |
| Loan and lease loss provision to assets | 0.1603% | 4,625 |
| Net operating income to assets | 2.0117% | 304 |
| Return on assets (ROA) | 2.0117% | 326 |
| Pretax return on assets | 3.1473% | 110 |
| Return on Equity (ROE) | 25.5156% | 95 |
| Retained earnings to average equity (ytd only) | 1.3073% | 5,241 |
| Net charge-offs to loans | 0.0859% | 5,466 |
| Credit loss provision to net charge-offs | 275.4098% | 865 |
| Earnings coverage of net charge-offs (x) | 56.8197% | 500 |
| Efficiency ratio | 47.3252% | 6,974 |
| Assets per employee ($millions) | 2.9035% | 6,280 |
| Cash dividends to net income (ytd only)* | 94.8767% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,711 |
| Loan loss allowance to noncurrent loans | 185.7461% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 5,858 |
| Noncurrent loans to loans | 0.6064% | 5,501 |
| Net loans and leases to total assets | 72.0471% | 1,641 |
| Net loans and leases to deposits | 84.7553% | 1,837 |
| Net loans and leases to core deposits | 110.3949% | 608 |
| Total domestic deposits to total assets | 85.0061% | 3,842 |
| Equity capital to assets | 7.6067% | 6,770 |
| Core capital (leverage) ratio | 7.5545% | 6,620 |
| Tier 1 risk-based capital ratio | 11.3811% | 6,240 |
| Total risk-based capital ratio | 12.6158% | 6,232 |
| Memoranda: | ||
| Average total assets | $104,786,800 | 4,763 |
| Average earning assets | $94,138,600 | 4,808 |
| Average equity | $8,261,600 | 5,485 |
| Average total loans | $71,010,000 | 4,451 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2786% | 282 |
| Cost of funding earning assets | 0.7648% | 5,368 |
| Net interest margin | 5.5138% | 169 |
| Noninterest income to average assets | 1.3664% | 698 |
| Noninterest expense to average assets | 3.0877% | 3,210 |
| Loan and lease loss provision to assets | 0.1983% | 4,042 |
| Net operating income to assets | 1.9536% | 375 |
| Return on assets (ROA) | 1.9536% | 414 |
| Pretax return on assets | 3.0334% | 134 |
| Return on Equity (ROE) | 24.5711% | 144 |
| Retained earnings to average equity (ytd only) | 24.5711% | 40 |
| Net charge-offs to loans | 0.1101% | 4,904 |
| Credit loss provision to net charge-offs | 270.6897% | 1,060 |
| Earnings coverage of net charge-offs (x) | 44.1214% | 718 |
| Efficiency ratio | 48.8609% | 6,894 |
| Assets per employee ($millions) | 3.0617% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,699 |
| Loan loss allowance to noncurrent loans | 182.5221% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 5,398 |
| Noncurrent loans to loans | 0.6280% | 5,630 |
| Net loans and leases to total assets | 68.3494% | 2,414 |
| Net loans and leases to deposits | 81.4663% | 2,455 |
| Net loans and leases to core deposits | 105.3168% | 901 |
| Total domestic deposits to total assets | 83.8990% | 4,279 |
| Equity capital to assets | 8.8204% | 5,957 |
| Core capital (leverage) ratio | 8.5614% | 5,614 |
| Tier 1 risk-based capital ratio | 13.7095% | 4,569 |
| Total risk-based capital ratio | 14.9522% | 4,542 |
| Memoranda: | ||
| Average total assets | $105,578,250 | 4,773 |
| Average earning assets | $94,838,500 | 4,824 |
| Average equity | $8,394,500 | 5,471 |
| Average total loans | $70,250,250 | 4,518 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2541% | 298 |
| Cost of funding earning assets | 0.7873% | 5,460 |
| Net interest margin | 5.4668% | 187 |
| Noninterest income to average assets | 0.9333% | 1,519 |
| Noninterest expense to average assets | 2.9112% | 3,980 |
| Loan and lease loss provision to assets | 0.1207% | 4,769 |
| Net operating income to assets | 1.8384% | 459 |
| Return on assets (ROA) | 1.8384% | 491 |
| Pretax return on assets | 2.7981% | 167 |
| Return on Equity (ROE) | 23.9793% | 161 |
| Retained earnings to average equity (ytd only) | 23.9793% | 57 |
| Net charge-offs to loans | 0.0373% | 5,328 |
| Credit loss provision to net charge-offs | 492.3077% | 628 |
| Earnings coverage of net charge-offs (x) | 119.0769% | 295 |
| Efficiency ratio | 49.9353% | 6,943 |
| Assets per employee ($millions) | 3.1141% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,888 |
| Loan loss allowance to noncurrent loans | 327.8481% | 970 |
| Noncurrent assets plus other real estate owned to assets | 1.6547% | 3,698 |
| Noncurrent loans to loans | 0.3407% | 6,237 |
| Net loans and leases to total assets | 64.9594% | 3,266 |
| Net loans and leases to deposits | 76.5572% | 3,364 |
| Net loans and leases to core deposits | 105.7000% | 945 |
| Total domestic deposits to total assets | 84.8508% | 3,943 |
| Equity capital to assets | 8.1347% | 6,565 |
| Core capital (leverage) ratio | 7.9811% | 6,322 |
| Tier 1 risk-based capital ratio | 12.9296% | 4,975 |
| Total risk-based capital ratio | 14.1002% | 5,019 |
| Memoranda: | ||
| Average total assets | $106,071,330 | 4,797 |
| Average earning assets | $95,009,670 | 4,845 |
| Average equity | $8,132,000 | 5,569 |
| Average total loans | $69,675,000 | 4,586 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2916% | 289 |
| Cost of funding earning assets | 0.7917% | 5,607 |
| Net interest margin | 5.4999% | 164 |
| Noninterest income to average assets | 0.8892% | 1,696 |
| Noninterest expense to average assets | 2.9651% | 3,793 |
| Loan and lease loss provision to assets | 0.1281% | 4,391 |
| Net operating income to assets | 1.8801% | 423 |
| Return on assets (ROA) | 1.8801% | 445 |
| Pretax return on assets | 2.7428% | 191 |
| Return on Equity (ROE) | 25.2930% | 161 |
| Retained earnings to average equity (ytd only) | 25.2930% | 99 |
| Net charge-offs to loans | 0.0229% | 4,762 |
| Credit loss provision to net charge-offs | 850.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 190.5000% | 162 |
| Efficiency ratio | 50.8070% | 6,931 |
| Assets per employee ($millions) | 3.0669% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 6,103 |
| Loan loss allowance to noncurrent loans | 189.2231% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5260% | 3,961 |
| Noncurrent loans to loans | 0.5734% | 5,879 |
| Net loans and leases to total assets | 64.1203% | 3,419 |
| Net loans and leases to deposits | 75.1291% | 3,563 |
| Net loans and leases to core deposits | 102.8573% | 1,141 |
| Total domestic deposits to total assets | 85.3468% | 3,866 |
| Equity capital to assets | 7.5860% | 6,822 |
| Core capital (leverage) ratio | 7.6476% | 6,606 |
| Tier 1 risk-based capital ratio | 12.2333% | 5,491 |
| Total risk-based capital ratio | 13.3726% | 5,576 |
| Memoranda: | ||
| Average total assets | $106,167,000 | 4,833 |
| Average earning assets | $95,492,000 | 4,866 |
| Average equity | $7,891,500 | 5,648 |
| Average total loans | $69,734,500 | 4,627 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4975% | 322 |
| Cost of funding earning assets | 0.9342% | 6,012 |
| Net interest margin | 5.5633% | 156 |
| Noninterest income to average assets | 1.0071% | 1,481 |
| Noninterest expense to average assets | 3.0941% | 3,482 |
| Loan and lease loss provision to assets | 0.0537% | 6,611 |
| Net operating income to assets | 1.8462% | 375 |
| Return on assets (ROA) | 1.8474% | 406 |
| Pretax return on assets | 2.9225% | 128 |
| Return on Equity (ROE) | 23.6095% | 125 |
| Retained earnings to average equity (ytd only) | 2.1797% | 4,368 |
| Net charge-offs to loans | 0.1133% | 5,751 |
| Credit loss provision to net charge-offs | 70.8861% | 5,841 |
| Earnings coverage of net charge-offs (x) | 39.2911% | 593 |
| Efficiency ratio | 50.9869% | 7,060 |
| Assets per employee ($millions) | 2.8376% | 6,460 |
| Cash dividends to net income (ytd only)* | 90.7676% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 6,196 |
| Loan loss allowance to noncurrent loans | 138.2857% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.6811% | 3,778 |
| Noncurrent loans to loans | 0.7512% | 5,543 |
| Net loans and leases to total assets | 65.8717% | 3,494 |
| Net loans and leases to deposits | 76.8897% | 3,704 |
| Net loans and leases to core deposits | 105.9339% | 1,197 |
| Total domestic deposits to total assets | 85.6703% | 3,513 |
| Equity capital to assets | 7.2767% | 7,005 |
| Core capital (leverage) ratio | 7.2076% | 6,904 |
| Tier 1 risk-based capital ratio | 11.5611% | 5,854 |
| Total risk-based capital ratio | 12.6645% | 5,976 |
| Memoranda: | ||
| Average total assets | $104,361,200 | 4,861 |
| Average earning assets | $94,943,600 | 4,865 |
| Average equity | $8,166,200 | 5,664 |
| Average total loans | $69,745,800 | 4,694 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5890% | 295 |
| Cost of funding earning assets | 0.9864% | 5,999 |
| Net interest margin | 5.6026% | 145 |
| Noninterest income to average assets | 1.0134% | 1,430 |
| Noninterest expense to average assets | 3.1079% | 3,301 |
| Loan and lease loss provision to assets | 0.0281% | 6,788 |
| Net operating income to assets | 1.8984% | 405 |
| Return on assets (ROA) | 1.9001% | 450 |
| Pretax return on assets | 2.9889% | 123 |
| Return on Equity (ROE) | 23.8613% | 143 |
| Retained earnings to average equity (ytd only) | 23.8613% | 39 |
| Net charge-offs to loans | 0.1396% | 5,186 |
| Credit loss provision to net charge-offs | 30.1370% | 6,153 |
| Earnings coverage of net charge-offs (x) | 32.2742% | 833 |
| Efficiency ratio | 50.7628% | 7,091 |
| Assets per employee ($millions) | 2.8908% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 6,296 |
| Loan loss allowance to noncurrent loans | 231.8937% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 2.5075% | 2,864 |
| Noncurrent loans to loans | 0.4409% | 6,313 |
| Net loans and leases to total assets | 63.1669% | 4,284 |
| Net loans and leases to deposits | 74.6242% | 4,411 |
| Net loans and leases to core deposits | 102.3511% | 1,622 |
| Total domestic deposits to total assets | 84.6467% | 3,803 |
| Equity capital to assets | 8.3872% | 6,408 |
| Core capital (leverage) ratio | 8.4851% | 5,543 |
| Tier 1 risk-based capital ratio | 13.5777% | 4,137 |
| Total risk-based capital ratio | 14.6408% | 4,246 |
| Memoranda: | ||
| Average total assets | $104,203,500 | 4,927 |
| Average earning assets | $95,024,250 | 4,926 |
| Average equity | $8,297,750 | 5,689 |
| Average total loans | $69,710,750 | 4,767 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6713% | 259 |
| Cost of funding earning assets | 1.0268% | 6,016 |
| Net interest margin | 5.6444% | 142 |
| Noninterest income to average assets | 1.0476% | 1,226 |
| Noninterest expense to average assets | 3.0615% | 3,463 |
| Loan and lease loss provision to assets | 0.0387% | 6,572 |
| Net operating income to assets | 1.9964% | 330 |
| Return on assets (ROA) | 1.9964% | 366 |
| Pretax return on assets | 3.1099% | 114 |
| Return on Equity (ROE) | 25.5409% | 114 |
| Retained earnings to average equity (ytd only) | 25.5409% | 44 |
| Net charge-offs to loans | -0.2963% | 7,688 |
| Credit loss provision to net charge-offs | -19.2308% | 6,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2984% | 7,269 |
| Assets per employee ($millions) | 2.6139% | 6,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 5,152 |
| Loan loss allowance to noncurrent loans | 31.1563% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 2.7486% | 2,633 |
| Noncurrent loans to loans | 4.0277% | 1,878 |
| Net loans and leases to total assets | 67.3857% | 3,525 |
| Net loans and leases to deposits | 79.8269% | 3,627 |
| Net loans and leases to core deposits | 112.4986% | 1,004 |
| Total domestic deposits to total assets | 84.4148% | 3,908 |
| Equity capital to assets | 8.3694% | 6,328 |
| Core capital (leverage) ratio | 8.0521% | 6,196 |
| Tier 1 risk-based capital ratio | 13.1362% | 4,331 |
| Total risk-based capital ratio | 14.3875% | 4,289 |
| Memoranda: | ||
| Average total assets | $103,284,330 | 4,984 |
| Average earning assets | $94,464,670 | 4,974 |
| Average equity | $8,073,330 | 5,774 |
| Average total loans | $70,193,670 | 4,788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8921% | 199 |
| Cost of funding earning assets | 1.0361% | 6,192 |
| Net interest margin | 5.8560% | 122 |
| Noninterest income to average assets | 1.1236% | 991 |
| Noninterest expense to average assets | 3.0051% | 3,664 |
| Loan and lease loss provision to assets | 0.0770% | 5,872 |
| Net operating income to assets | 2.2240% | 243 |
| Return on assets (ROA) | 2.2240% | 269 |
| Pretax return on assets | 3.4130% | 104 |
| Return on Equity (ROE) | 29.4748% | 93 |
| Retained earnings to average equity (ytd only) | 29.4748% | 71 |
| Net charge-offs to loans | -0.6070% | 7,816 |
| Credit loss provision to net charge-offs | -18.6916% | 5,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2678% | 7,539 |
| Assets per employee ($millions) | 2.8193% | 6,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 5,366 |
| Loan loss allowance to noncurrent loans | 61.9519% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 4,484 |
| Noncurrent loans to loans | 1.9770% | 3,821 |
| Net loans and leases to total assets | 67.7234% | 3,459 |
| Net loans and leases to deposits | 79.7789% | 3,699 |
| Net loans and leases to core deposits | 112.6499% | 1,121 |
| Total domestic deposits to total assets | 84.8889% | 3,728 |
| Equity capital to assets | 7.7746% | 6,863 |
| Core capital (leverage) ratio | 7.6751% | 6,653 |
| Tier 1 risk-based capital ratio | 12.2694% | 4,925 |
| Total risk-based capital ratio | 13.5288% | 4,884 |
| Memoranda: | ||
| Average total assets | $103,955,000 | 5,034 |
| Average earning assets | $95,355,000 | 5,009 |
| Average equity | $7,844,000 | 5,897 |
| Average total loans | $70,506,500 | 4,833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3444% | 166 |
| Cost of funding earning assets | 1.3171% | 6,251 |
| Net interest margin | 6.0273% | 109 |
| Noninterest income to average assets | 0.9368% | 1,803 |
| Noninterest expense to average assets | 2.9572% | 4,317 |
| Loan and lease loss provision to assets | 0.0126% | 7,368 |
| Net operating income to assets | 2.1568% | 163 |
| Return on assets (ROA) | 2.1568% | 176 |
| Pretax return on assets | 3.4261% | 67 |
| Return on Equity (ROE) | 27.8903% | 61 |
| Retained earnings to average equity (ytd only) | 1.0126% | 4,325 |
| Net charge-offs to loans | 0.0583% | 6,510 |
| Credit loss provision to net charge-offs | 32.5000% | 6,883 |
| Earnings coverage of net charge-offs (x) | 88.9250% | 308 |
| Efficiency ratio | 46.2364% | 7,703 |
| Assets per employee ($millions) | 3.0469% | 6,104 |
| Cash dividends to net income (ytd only)* | 96.3693% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 6,006 |
| Loan loss allowance to noncurrent loans | 60.7955% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 4,424 |
| Noncurrent loans to loans | 1.7729% | 3,976 |
| Net loans and leases to total assets | 66.3568% | 4,065 |
| Net loans and leases to deposits | 77.6073% | 4,451 |
| Net loans and leases to core deposits | 120.6293% | 1,907 |
| Total domestic deposits to total assets | 85.5033% | 3,289 |
| Equity capital to assets | 7.3150% | 7,189 |
| Core capital (leverage) ratio | 7.0668% | 7,183 |
| Tier 1 risk-based capital ratio | 10.9874% | 5,922 |
| Total risk-based capital ratio | 12.0950% | 6,042 |
| Memoranda: | ||
| Average total assets | $103,441,800 | 5,002 |
| Average earning assets | $93,690,000 | 5,018 |
| Average equity | $7,999,200 | 5,923 |
| Average total loans | $68,657,400 | 4,919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4370% | 160 |
| Cost of funding earning assets | 1.3835% | 6,294 |
| Net interest margin | 6.0535% | 106 |
| Noninterest income to average assets | 0.9206% | 1,901 |
| Noninterest expense to average assets | 3.0288% | 3,938 |
| Loan and lease loss provision to assets | 0.0129% | 7,206 |
| Net operating income to assets | 2.1185% | 228 |
| Return on assets (ROA) | 2.1185% | 246 |
| Pretax return on assets | 3.3460% | 80 |
| Return on Equity (ROE) | 27.0296% | 89 |
| Retained earnings to average equity (ytd only) | 10.5782% | 537 |
| Net charge-offs to loans | 0.0331% | 6,431 |
| Credit loss provision to net charge-offs | 58.8235% | 6,191 |
| Earnings coverage of net charge-offs (x) | 153.2091% | 248 |
| Efficiency ratio | 47.4162% | 7,693 |
| Assets per employee ($millions) | 3.4762% | 4,985 |
| Cash dividends to net income (ytd only)* | 60.8643% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 5,744 |
| Loan loss allowance to noncurrent loans | 41.9989% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 2.0002% | 3,346 |
| Noncurrent loans to loans | 2.6122% | 2,891 |
| Net loans and leases to total assets | 66.4742% | 4,312 |
| Net loans and leases to deposits | 78.3048% | 4,700 |
| Net loans and leases to core deposits | 122.7582% | 2,014 |
| Total domestic deposits to total assets | 84.8917% | 3,291 |
| Equity capital to assets | 7.8198% | 7,016 |
| Core capital (leverage) ratio | 7.6811% | 6,752 |
| Tier 1 risk-based capital ratio | 12.0374% | 4,938 |
| Total risk-based capital ratio | 13.1958% | 4,960 |
| Memoranda: | ||
| Average total assets | $103,403,250 | 5,035 |
| Average earning assets | $93,386,750 | 5,056 |
| Average equity | $8,104,500 | 5,947 |
| Average total loans | $68,448,750 | 4,970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5244% | 148 |
| Cost of funding earning assets | 1.4477% | 6,327 |
| Net interest margin | 6.0766% | 102 |
| Noninterest income to average assets | 0.8981% | 2,000 |
| Noninterest expense to average assets | 2.9367% | 4,351 |
| Loan and lease loss provision to assets | 0.0078% | 7,119 |
| Net operating income to assets | 2.1957% | 194 |
| Return on assets (ROA) | 2.1957% | 213 |
| Pretax return on assets | 3.4410% | 75 |
| Return on Equity (ROE) | 27.9932% | 91 |
| Retained earnings to average equity (ytd only) | 27.9932% | 36 |
| Net charge-offs to loans | 0.2445% | 3,972 |
| Credit loss provision to net charge-offs | 4.8193% | 6,221 |
| Earnings coverage of net charge-offs (x) | 21.4217% | 1,267 |
| Efficiency ratio | 45.9903% | 7,849 |
| Assets per employee ($millions) | 2.8042% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 6,150 |
| Loan loss allowance to noncurrent loans | 60.2941% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3599% | 4,234 |
| Noncurrent loans to loans | 1.6763% | 3,986 |
| Net loans and leases to total assets | 65.7932% | 4,606 |
| Net loans and leases to deposits | 77.1365% | 5,013 |
| Net loans and leases to core deposits | 121.1726% | 2,262 |
| Total domestic deposits to total assets | 85.2945% | 3,109 |
| Equity capital to assets | 8.3146% | 6,311 |
| Core capital (leverage) ratio | 8.0206% | 6,289 |
| Tier 1 risk-based capital ratio | 12.6812% | 4,370 |
| Total risk-based capital ratio | 13.7236% | 4,465 |
| Memoranda: | ||
| Average total assets | $103,108,670 | 5,075 |
| Average earning assets | $93,111,000 | 5,093 |
| Average equity | $8,087,670 | 5,987 |
| Average total loans | $67,900,670 | 5,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6713% | 137 |
| Cost of funding earning assets | 1.5299% | 6,310 |
| Net interest margin | 6.1413% | 96 |
| Noninterest income to average assets | 0.8990% | 1,857 |
| Noninterest expense to average assets | 2.8137% | 4,503 |
| Loan and lease loss provision to assets | 0.0156% | 6,661 |
| Net operating income to assets | 2.3194% | 184 |
| Return on assets (ROA) | 2.3194% | 215 |
| Pretax return on assets | 3.5842% | 77 |
| Return on Equity (ROE) | 30.4937% | 100 |
| Retained earnings to average equity (ytd only) | 30.4937% | 53 |
| Net charge-offs to loans | -0.0059% | 7,199 |
| Credit loss provision to net charge-offs | -400.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8714% | 7,934 |
| Assets per employee ($millions) | 3.1678% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,095 |
| Loan loss allowance to noncurrent loans | 117.2414% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 4,895 |
| Noncurrent loans to loans | 0.9840% | 5,027 |
| Net loans and leases to total assets | 64.0960% | 4,970 |
| Net loans and leases to deposits | 74.8188% | 5,376 |
| Net loans and leases to core deposits | 116.6159% | 2,726 |
| Total domestic deposits to total assets | 85.6682% | 2,886 |
| Equity capital to assets | 7.7465% | 7,130 |
| Core capital (leverage) ratio | 7.6578% | 6,941 |
| Tier 1 risk-based capital ratio | 12.0662% | 4,908 |
| Total risk-based capital ratio | 13.2539% | 4,847 |
| Memoranda: | ||
| Average total assets | $102,784,500 | 5,103 |
| Average earning assets | $92,292,500 | 5,136 |
| Average equity | $7,818,000 | 6,117 |
| Average total loans | $67,370,000 | 5,080 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0098% | 188 |
| Cost of funding earning assets | 1.9842% | 6,461 |
| Net interest margin | 6.0255% | 105 |
| Noninterest income to average assets | 1.0197% | 1,527 |
| Noninterest expense to average assets | 2.7610% | 5,005 |
| Loan and lease loss provision to assets | 0.0357% | 6,958 |
| Net operating income to assets | 2.3230% | 181 |
| Return on assets (ROA) | 2.3230% | 177 |
| Pretax return on assets | 3.6514% | 68 |
| Return on Equity (ROE) | 30.3542% | 55 |
| Retained earnings to average equity (ytd only) | 0.7311% | 4,793 |
| Net charge-offs to loans | 0.0386% | 6,248 |
| Credit loss provision to net charge-offs | 142.3077% | 3,723 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 311 |
| Efficiency ratio | 42.8187% | 8,047 |
| Assets per employee ($millions) | 2.8866% | 6,350 |
| Cash dividends to net income (ytd only)* | 97.5914% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 4,841 |
| Loan loss allowance to noncurrent loans | 84.8253% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 4,466 |
| Noncurrent loans to loans | 1.3681% | 3,782 |
| Net loans and leases to total assets | 65.5010% | 4,950 |
| Net loans and leases to deposits | 76.1925% | 5,566 |
| Net loans and leases to core deposits | 119.8924% | 2,700 |
| Total domestic deposits to total assets | 85.9678% | 2,418 |
| Equity capital to assets | 7.4610% | 7,417 |
| Core capital (leverage) ratio | 7.1377% | 7,583 |
| Tier 1 risk-based capital ratio | 11.2048% | 5,534 |
| Total risk-based capital ratio | 12.3898% | 5,487 |
| Memoranda: | ||
| Average total assets | $103,657,800 | 4,946 |
| Average earning assets | $93,386,000 | 4,987 |
| Average equity | $7,933,000 | 6,111 |
| Average total loans | $67,338,400 | 4,967 |