Home > Security State Bank of Warroad > Performance and Condition Ratios
Security State Bank of Warroad, 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 | 4.6348% | 3,690 |
| Cost of funding earning assets | 1.5154% | 3,326 |
| Net interest margin | 3.1194% | 2,898 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 2.0864% | 3,407 |
| Loan and lease loss provision to assets | 0.3100% | 387 |
| Net operating income to assets | 0.5495% | 3,353 |
| Return on assets (ROA) | 0.5533% | 3,367 |
| Pretax return on assets | 0.6037% | 3,448 |
| Return on Equity (ROE) | 5.5900% | 3,380 |
| Retained earnings to average equity (ytd only) | 5.4895% | 2,024 |
| Net charge-offs to loans | 0.9824% | 150 |
| Credit loss provision to net charge-offs | 65.5022% | 2,239 |
| Earnings coverage of net charge-offs (x) | 1.9360% | 2,857 |
| Efficiency ratio | 69.7177% | 2,029 |
| Assets per employee ($millions) | 9.5823% | 877 |
| Cash dividends to net income (ytd only)* | 1.8473% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9910% | 148 |
| Loan loss allowance to noncurrent loans | 237.1871% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 1,242 |
| Noncurrent loans to loans | 1.2610% | 801 |
| Net loans and leases to total assets | 44.9000% | 3,854 |
| Net loans and leases to deposits | 50.1511% | 3,913 |
| Net loans and leases to core deposits | 60.2155% | 3,743 |
| Total domestic deposits to total assets | 89.5400% | 966 |
| Equity capital to assets | 10.0518% | 2,101 |
| Core capital (leverage) ratio | 14.8290% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $146,759,600 | 3,385 |
| Average earning assets | $130,794,000 | 3,430 |
| Average equity | $14,518,600 | 3,369 |
| Average total loans | $69,931,000 | 3,570 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 3,661 |
| Cost of funding earning assets | 1.4924% | 3,374 |
| Net interest margin | 3.1356% | 2,821 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.1909% | 3,100 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.5606% | 3,318 |
| Return on assets (ROA) | 0.5748% | 3,312 |
| Pretax return on assets | 0.7701% | 3,112 |
| Return on Equity (ROE) | 5.8300% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.8335% | 2,142 |
| Net charge-offs to loans | 0.3353% | 389 |
| Credit loss provision to net charge-offs | 25.2809% | 2,164 |
| Earnings coverage of net charge-offs (x) | 4.9270% | 2,407 |
| Efficiency ratio | 73.4323% | 1,653 |
| Assets per employee ($millions) | 9.7831% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9767% | 155 |
| Loan loss allowance to noncurrent loans | 62.9018% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 2.2685% | 150 |
| Noncurrent loans to loans | 4.7323% | 79 |
| Net loans and leases to total assets | 46.5100% | 3,794 |
| Net loans and leases to deposits | 52.3425% | 3,872 |
| Net loans and leases to core deposits | 63.9537% | 3,643 |
| Total domestic deposits to total assets | 88.8600% | 953 |
| Equity capital to assets | 10.4902% | 1,981 |
| Core capital (leverage) ratio | 14.7141% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $147,515,750 | 3,380 |
| Average earning assets | $131,773,750 | 3,424 |
| Average equity | $14,536,250 | 3,366 |
| Average total loans | $70,780,750 | 3,560 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 3,672 |
| Cost of funding earning assets | 1.4705% | 3,346 |
| Net interest margin | 3.0962% | 2,858 |
| Noninterest income to average assets | 0.1700% | 3,865 |
| Noninterest expense to average assets | 2.0735% | 3,394 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.5966% | 3,189 |
| Return on assets (ROA) | 0.6361% | 3,126 |
| Pretax return on assets | 0.8730% | 2,818 |
| Return on Equity (ROE) | 6.6000% | 3,097 |
| Retained earnings to average equity (ytd only) | 6.5963% | 1,780 |
| Net charge-offs to loans | 0.4625% | 267 |
| Credit loss provision to net charge-offs | 15.2439% | 1,958 |
| Earnings coverage of net charge-offs (x) | 3.8598% | 2,297 |
| Efficiency ratio | 70.7621% | 2,017 |
| Assets per employee ($millions) | 9.1731% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9061% | 163 |
| Loan loss allowance to noncurrent loans | 195.3227% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 912 |
| Noncurrent loans to loans | 1.4878% | 582 |
| Net loans and leases to total assets | 47.5300% | 3,768 |
| Net loans and leases to deposits | 52.9777% | 3,850 |
| Net loans and leases to core deposits | 64.7813% | 3,593 |
| Total domestic deposits to total assets | 89.7200% | 780 |
| Equity capital to assets | 9.5633% | 2,346 |
| Core capital (leverage) ratio | 14.7740% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $147,772,000 | 3,390 |
| Average earning assets | $131,517,333 | 3,436 |
| Average equity | $14,250,333 | 3,372 |
| Average total loans | $70,925,667 | 3,563 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 3,576 |
| Cost of funding earning assets | 1.4388% | 3,333 |
| Net interest margin | 3.1307% | 2,715 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.0611% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6199% | 3,101 |
| Return on assets (ROA) | 0.6987% | 2,870 |
| Pretax return on assets | 0.9793% | 2,438 |
| Return on Equity (ROE) | 7.2200% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.2157% | 1,762 |
| Net charge-offs to loans | 0.3065% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 6.0370% | 1,831 |
| Efficiency ratio | 70.0917% | 2,142 |
| Assets per employee ($millions) | 9.6799% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0825% | 108 |
| Loan loss allowance to noncurrent loans | 121.3289% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.2335% | 422 |
| Noncurrent loans to loans | 2.5406% | 219 |
| Net loans and leases to total assets | 47.0500% | 3,761 |
| Net loans and leases to deposits | 52.5098% | 3,832 |
| Net loans and leases to core deposits | 64.2048% | 3,584 |
| Total domestic deposits to total assets | 89.6100% | 923 |
| Equity capital to assets | 9.8121% | 2,125 |
| Core capital (leverage) ratio | 14.4418% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $148,273,000 | 3,394 |
| Average earning assets | $131,217,000 | 3,454 |
| Average equity | $14,357,500 | 3,370 |
| Average total loans | $70,464,000 | 3,571 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 3,412 |
| Cost of funding earning assets | 1.0966% | 3,079 |
| Net interest margin | 3.2218% | 2,826 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 1.9996% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8094% | 2,838 |
| Return on assets (ROA) | 0.7690% | 2,957 |
| Pretax return on assets | 1.0223% | 2,608 |
| Return on Equity (ROE) | 8.6500% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.6521% | 1,351 |
| Net charge-offs to loans | -0.0143% | 4,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0676% | 2,469 |
| Assets per employee ($millions) | 10.0899% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1618% | 103 |
| Loan loss allowance to noncurrent loans | 1,357.9268% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 2,815 |
| Noncurrent loans to loans | 0.2328% | 2,378 |
| Net loans and leases to total assets | 45.0700% | 3,857 |
| Net loans and leases to deposits | 50.0216% | 3,949 |
| Net loans and leases to core deposits | 59.8669% | 3,767 |
| Total domestic deposits to total assets | 90.0900% | 733 |
| Equity capital to assets | 9.5594% | 2,303 |
| Core capital (leverage) ratio | 14.1584% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $144,482,200 | 3,417 |
| Average earning assets | $127,848,000 | 3,463 |
| Average equity | $12,840,800 | 3,446 |
| Average total loans | $69,876,600 | 3,550 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 3,427 |
| Cost of funding earning assets | 1.0050% | 3,022 |
| Net interest margin | 3.2199% | 2,870 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.0574% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6958% | 3,334 |
| Return on assets (ROA) | 0.6958% | 3,317 |
| Pretax return on assets | 0.9610% | 2,955 |
| Return on Equity (ROE) | 7.9900% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.9886% | 1,971 |
| Net charge-offs to loans | -0.0382% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.1621% | 1,995 |
| Assets per employee ($millions) | 9.9691% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1019% | 114 |
| Loan loss allowance to noncurrent loans | 3,150.7042% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 3,334 |
| Noncurrent loans to loans | 0.0985% | 3,086 |
| Net loans and leases to total assets | 46.7300% | 3,796 |
| Net loans and leases to deposits | 50.7915% | 3,905 |
| Net loans and leases to core deposits | 60.6899% | 3,671 |
| Total domestic deposits to total assets | 92.0000% | 448 |
| Equity capital to assets | 7.5593% | 3,320 |
| Core capital (leverage) ratio | 13.5417% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $142,765,750 | 3,440 |
| Average earning assets | $126,296,250 | 3,491 |
| Average equity | $12,434,000 | 3,484 |
| Average total loans | $69,737,250 | 3,560 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0177% | 3,649 |
| Cost of funding earning assets | 0.8600% | 3,046 |
| Net interest margin | 3.1576% | 3,086 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 2.1992% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5836% | 3,623 |
| Return on assets (ROA) | 0.5836% | 3,625 |
| Pretax return on assets | 0.7715% | 3,461 |
| Return on Equity (ROE) | 6.4000% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.3993% | 2,476 |
| Net charge-offs to loans | -0.0261% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.0297% | 1,341 |
| Assets per employee ($millions) | 10.0779% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0993% | 123 |
| Loan loss allowance to noncurrent loans | 852.8736% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,345 |
| Noncurrent loans to loans | 0.3634% | 1,838 |
| Net loans and leases to total assets | 46.0400% | 3,796 |
| Net loans and leases to deposits | 50.5106% | 3,901 |
| Net loans and leases to core deposits | 60.2728% | 3,618 |
| Total domestic deposits to total assets | 91.1500% | 609 |
| Equity capital to assets | 8.4317% | 2,919 |
| Core capital (leverage) ratio | 14.3616% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $140,508,667 | 3,472 |
| Average earning assets | $124,649,667 | 3,512 |
| Average equity | $12,814,000 | 3,456 |
| Average total loans | $68,944,333 | 3,586 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9535% | 3,542 |
| Cost of funding earning assets | 0.6988% | 3,059 |
| Net interest margin | 3.2546% | 2,978 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.0654% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7220% | 3,417 |
| Return on assets (ROA) | 0.7220% | 3,371 |
| Pretax return on assets | 0.9972% | 3,004 |
| Return on Equity (ROE) | 7.6000% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.5965% | 2,339 |
| Net charge-offs to loans | -0.1304% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.4396% | 2,042 |
| Assets per employee ($millions) | 9.0297% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2445% | 115 |
| Loan loss allowance to noncurrent loans | 169.1088% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 424 |
| Noncurrent loans to loans | 1.9186% | 306 |
| Net loans and leases to total assets | 49.3000% | 3,541 |
| Net loans and leases to deposits | 55.0431% | 3,627 |
| Net loans and leases to core deposits | 60.8294% | 3,504 |
| Total domestic deposits to total assets | 89.5600% | 1,313 |
| Equity capital to assets | 9.7287% | 1,980 |
| Core capital (leverage) ratio | 14.8705% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $135,179,000 | 3,566 |
| Average earning assets | $120,198,500 | 3,605 |
| Average equity | $12,848,000 | 3,492 |
| Average total loans | $67,505,000 | 3,649 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 2,728 |
| Cost of funding earning assets | 0.2963% | 2,910 |
| Net interest margin | 3.3261% | 2,492 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.9841% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0261% | 2,475 |
| Return on assets (ROA) | 0.7425% | 3,440 |
| Pretax return on assets | 0.8626% | 3,451 |
| Return on Equity (ROE) | 7.2500% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.2492% | 2,126 |
| Net charge-offs to loans | -0.3113% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.4618% | 2,702 |
| Assets per employee ($millions) | 8.9942% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3590% | 90 |
| Loan loss allowance to noncurrent loans | 2,577.9070% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,168 |
| Noncurrent loans to loans | 0.1303% | 2,860 |
| Net loans and leases to total assets | 47.2800% | 3,722 |
| Net loans and leases to deposits | 52.3055% | 3,782 |
| Net loans and leases to core deposits | 57.9023% | 3,622 |
| Total domestic deposits to total assets | 90.3900% | 1,203 |
| Equity capital to assets | 9.2793% | 2,171 |
| Core capital (leverage) ratio | 14.9153% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $134,013,000 | 3,596 |
| Average earning assets | $118,126,800 | 3,645 |
| Average equity | $13,725,600 | 3,499 |
| Average total loans | $60,067,000 | 3,726 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5133% | 2,579 |
| Cost of funding earning assets | 0.2384% | 2,839 |
| Net interest margin | 3.2749% | 2,376 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.0370% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7683% | 3,361 |
| Return on assets (ROA) | 0.6966% | 3,537 |
| Pretax return on assets | 0.9547% | 3,166 |
| Return on Equity (ROE) | 6.6400% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.6440% | 2,498 |
| Net charge-offs to loans | -0.3983% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.0847% | 2,269 |
| Assets per employee ($millions) | 8.9945% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3384% | 95 |
| Loan loss allowance to noncurrent loans | 185.4500% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 549 |
| Noncurrent loans to loans | 1.8002% | 354 |
| Net loans and leases to total assets | 47.3200% | 3,680 |
| Net loans and leases to deposits | 52.4218% | 3,705 |
| Net loans and leases to core deposits | 54.7298% | 3,706 |
| Total domestic deposits to total assets | 90.2700% | 1,540 |
| Equity capital to assets | 7.9627% | 2,918 |
| Core capital (leverage) ratio | 14.4015% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $133,788,000 | 3,621 |
| Average earning assets | $118,025,750 | 3,669 |
| Average equity | $14,027,250 | 3,503 |
| Average total loans | $58,583,500 | 3,769 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 2,538 |
| Cost of funding earning assets | 0.2243% | 2,594 |
| Net interest margin | 3.1383% | 2,406 |
| Noninterest income to average assets | 0.1949% | 4,024 |
| Noninterest expense to average assets | 2.0838% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6805% | 3,378 |
| Return on assets (ROA) | 0.5502% | 3,713 |
| Pretax return on assets | 0.7151% | 3,540 |
| Return on Equity (ROE) | 4.8539% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.8539% | 2,764 |
| Net charge-offs to loans | -0.4742% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3085% | 1,914 |
| Assets per employee ($millions) | 9.0207% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6181% | 88 |
| Loan loss allowance to noncurrent loans | 2,963.0137% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 3,442 |
| Noncurrent loans to loans | 0.1221% | 3,117 |
| Net loans and leases to total assets | 42.5834% | 3,932 |
| Net loans and leases to deposits | 47.1819% | 3,975 |
| Net loans and leases to core deposits | 49.1290% | 3,970 |
| Total domestic deposits to total assets | 90.2536% | 1,608 |
| Equity capital to assets | 9.1626% | 2,270 |
| Core capital (leverage) ratio | 14.2521% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,411,667 | 3,665 |
| Average earning assets | $117,708,000 | 3,730 |
| Average equity | $15,122,000 | 3,478 |
| Average total loans | $56,094,667 | 3,862 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3249% | 2,309 |
| Cost of funding earning assets | 0.2228% | 2,491 |
| Net interest margin | 3.1021% | 2,172 |
| Noninterest income to average assets | 0.1570% | 4,215 |
| Noninterest expense to average assets | 2.0262% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6915% | 3,090 |
| Return on assets (ROA) | 0.4258% | 3,863 |
| Pretax return on assets | 0.5315% | 3,811 |
| Return on Equity (ROE) | 3.4215% | 4,011 |
| Retained earnings to average equity (ytd only) | 3.4215% | 3,141 |
| Net charge-offs to loans | -0.5604% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1149% | 2,210 |
| Assets per employee ($millions) | 8.8884% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8725% | 81 |
| Loan loss allowance to noncurrent loans | 3,569.4915% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,593 |
| Noncurrent loans to loans | 0.1085% | 3,297 |
| Net loans and leases to total assets | 39.2107% | 4,061 |
| Net loans and leases to deposits | 44.2153% | 4,054 |
| Net loans and leases to core deposits | 46.0965% | 4,065 |
| Total domestic deposits to total assets | 88.6811% | 2,216 |
| Equity capital to assets | 10.8816% | 1,393 |
| Core capital (leverage) ratio | 14.1513% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,462,000 | 3,699 |
| Average earning assets | $116,694,000 | 3,762 |
| Average equity | $16,484,000 | 3,435 |
| Average total loans | $54,250,500 | 3,896 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5270% | 2,584 |
| Cost of funding earning assets | 0.2818% | 2,580 |
| Net interest margin | 3.2453% | 2,474 |
| Noninterest income to average assets | 0.3556% | 3,308 |
| Noninterest expense to average assets | 2.1314% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7849% | 3,378 |
| Return on assets (ROA) | 0.9963% | 2,754 |
| Pretax return on assets | 1.3717% | 2,133 |
| Return on Equity (ROE) | 6.9950% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.9950% | 1,918 |
| Net charge-offs to loans | -0.1231% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8734% | 2,275 |
| Assets per employee ($millions) | 7.7411% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7511% | 77 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 39.5804% | 4,115 |
| Net loans and leases to deposits | 46.2621% | 4,080 |
| Net loans and leases to core deposits | 48.1485% | 4,083 |
| Total domestic deposits to total assets | 85.5568% | 3,065 |
| Equity capital to assets | 14.0276% | 657 |
| Core capital (leverage) ratio | 14.4398% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,972,200 | 3,735 |
| Average earning assets | $111,794,000 | 3,792 |
| Average equity | $17,941,400 | 3,390 |
| Average total loans | $53,634,600 | 3,937 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5570% | 2,673 |
| Cost of funding earning assets | 0.2953% | 2,640 |
| Net interest margin | 3.2617% | 2,542 |
| Noninterest income to average assets | 0.1755% | 4,325 |
| Noninterest expense to average assets | 2.1942% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5539% | 4,092 |
| Return on assets (ROA) | 0.8135% | 3,560 |
| Pretax return on assets | 1.1945% | 2,952 |
| Return on Equity (ROE) | 5.6890% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.6890% | 2,961 |
| Net charge-offs to loans | -0.1819% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7034% | 1,433 |
| Assets per employee ($millions) | 7.6068% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7024% | 85 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 1,670 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 40.9713% | 4,148 |
| Net loans and leases to deposits | 47.9636% | 4,119 |
| Net loans and leases to core deposits | 49.8523% | 4,148 |
| Total domestic deposits to total assets | 85.4216% | 2,975 |
| Equity capital to assets | 13.8924% | 759 |
| Core capital (leverage) ratio | 14.2688% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,565,750 | 3,790 |
| Average earning assets | $110,166,250 | 3,854 |
| Average equity | $17,811,750 | 3,444 |
| Average total loans | $53,514,000 | 3,989 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 2,646 |
| Cost of funding earning assets | 0.3149% | 2,644 |
| Net interest margin | 3.2773% | 2,525 |
| Noninterest income to average assets | 0.1626% | 4,384 |
| Noninterest expense to average assets | 2.2231% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5168% | 4,184 |
| Return on assets (ROA) | 0.7969% | 3,594 |
| Pretax return on assets | 1.1709% | 2,992 |
| Return on Equity (ROE) | 5.5178% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.5178% | 2,987 |
| Net charge-offs to loans | -0.2113% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1407% | 1,324 |
| Assets per employee ($millions) | 7.9302% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6975% | 82 |
| Loan loss allowance to noncurrent loans | 1,961.1650% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 1,533 |
| Noncurrent loans to loans | 0.1885% | 3,290 |
| Net loans and leases to total assets | 41.4650% | 4,213 |
| Net loans and leases to deposits | 48.6261% | 4,180 |
| Net loans and leases to core deposits | 50.5744% | 4,210 |
| Total domestic deposits to total assets | 85.2730% | 2,994 |
| Equity capital to assets | 14.0681% | 703 |
| Core capital (leverage) ratio | 14.4261% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,982,667 | 3,821 |
| Average earning assets | $107,954,000 | 3,896 |
| Average equity | $17,760,667 | 3,449 |
| Average total loans | $53,012,333 | 4,023 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5988% | 2,641 |
| Cost of funding earning assets | 0.3396% | 2,626 |
| Net interest margin | 3.2591% | 2,516 |
| Noninterest income to average assets | 0.1983% | 4,201 |
| Noninterest expense to average assets | 2.2044% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4802% | 4,212 |
| Return on assets (ROA) | 0.8692% | 3,295 |
| Pretax return on assets | 1.3087% | 2,551 |
| Return on Equity (ROE) | 5.9381% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.9381% | 2,924 |
| Net charge-offs to loans | -0.3908% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9759% | 1,408 |
| Assets per employee ($millions) | 6.9644% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9176% | 74 |
| Loan loss allowance to noncurrent loans | 2,098.9583% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 1,744 |
| Noncurrent loans to loans | 0.1866% | 3,438 |
| Net loans and leases to total assets | 39.4217% | 4,365 |
| Net loans and leases to deposits | 46.0045% | 4,351 |
| Net loans and leases to core deposits | 48.5061% | 4,359 |
| Total domestic deposits to total assets | 85.6908% | 2,860 |
| Equity capital to assets | 13.9702% | 679 |
| Core capital (leverage) ratio | 14.9331% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,032,500 | 3,845 |
| Average earning assets | $104,814,000 | 3,928 |
| Average equity | $17,716,000 | 3,452 |
| Average total loans | $52,202,500 | 4,050 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 2,053 |
| Cost of funding earning assets | 0.4799% | 3,081 |
| Net interest margin | 3.7506% | 1,641 |
| Noninterest income to average assets | 0.2828% | 3,792 |
| Noninterest expense to average assets | 2.6207% | 2,483 |
| Loan and lease loss provision to assets | 0.4065% | 761 |
| Net operating income to assets | 0.3939% | 4,256 |
| Return on assets (ROA) | 0.4824% | 4,150 |
| Pretax return on assets | 0.6224% | 4,033 |
| Return on Equity (ROE) | 3.0534% | 4,365 |
| Retained earnings to average equity (ytd only) | 3.0534% | 3,324 |
| Net charge-offs to loans | 0.7479% | 195 |
| Credit loss provision to net charge-offs | 114.7959% | 2,682 |
| Earnings coverage of net charge-offs (x) | 2.5893% | 3,153 |
| Efficiency ratio | 74.0807% | 1,432 |
| Assets per employee ($millions) | 6.4836% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7077% | 77 |
| Loan loss allowance to noncurrent loans | 4,910.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 1,955 |
| Noncurrent loans to loans | 0.0755% | 3,989 |
| Net loans and leases to total assets | 43.7059% | 4,266 |
| Net loans and leases to deposits | 51.7543% | 4,227 |
| Net loans and leases to core deposits | 54.8238% | 4,216 |
| Total domestic deposits to total assets | 84.4488% | 2,968 |
| Equity capital to assets | 15.3541% | 509 |
| Core capital (leverage) ratio | 15.2147% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,697,200 | 3,872 |
| Average earning assets | $96,065,000 | 3,945 |
| Average equity | $17,488,800 | 3,420 |
| Average total loans | $52,416,800 | 4,061 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 1,973 |
| Cost of funding earning assets | 0.4884% | 3,302 |
| Net interest margin | 3.8592% | 1,450 |
| Noninterest income to average assets | 0.2296% | 4,120 |
| Noninterest expense to average assets | 2.6728% | 2,336 |
| Loan and lease loss provision to assets | 0.3663% | 1,015 |
| Net operating income to assets | 0.3516% | 4,353 |
| Return on assets (ROA) | 0.4664% | 4,198 |
| Pretax return on assets | 0.6642% | 3,974 |
| Return on Equity (ROE) | 2.9303% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.9303% | 3,552 |
| Net charge-offs to loans | -0.0102% | 4,227 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1201% | 1,288 |
| Assets per employee ($millions) | 6.4590% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1098% | 59 |
| Loan loss allowance to noncurrent loans | 275.5611% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 847 |
| Noncurrent loans to loans | 1.4914% | 964 |
| Net loans and leases to total assets | 44.3516% | 4,402 |
| Net loans and leases to deposits | 52.7024% | 4,385 |
| Net loans and leases to core deposits | 56.9629% | 4,341 |
| Total domestic deposits to total assets | 84.1548% | 2,766 |
| Equity capital to assets | 15.2277% | 586 |
| Core capital (leverage) ratio | 15.2962% | 494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,195,250 | 3,885 |
| Average earning assets | $94,179,500 | 3,967 |
| Average equity | $17,381,250 | 3,432 |
| Average total loans | $52,278,250 | 4,084 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4528% | 2,069 |
| Cost of funding earning assets | 0.5114% | 3,467 |
| Net interest margin | 3.9414% | 1,465 |
| Noninterest income to average assets | 0.2490% | 3,981 |
| Noninterest expense to average assets | 2.7761% | 2,146 |
| Loan and lease loss provision to assets | 0.3276% | 1,302 |
| Net operating income to assets | 0.3538% | 4,326 |
| Return on assets (ROA) | 0.5298% | 4,015 |
| Pretax return on assets | 0.7731% | 3,664 |
| Return on Equity (ROE) | 3.2767% | 4,291 |
| Retained earnings to average equity (ytd only) | 3.2767% | 3,279 |
| Net charge-offs to loans | -0.5060% | 5,000 |
| Credit loss provision to net charge-offs | -133.5878% | 3,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9734% | 1,269 |
| Assets per employee ($millions) | 5.9608% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2421% | 53 |
| Loan loss allowance to noncurrent loans | 259.6244% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2697% | 835 |
| Noncurrent loans to loans | 1.6339% | 898 |
| Net loans and leases to total assets | 44.0881% | 4,450 |
| Net loans and leases to deposits | 52.5755% | 4,426 |
| Net loans and leases to core deposits | 56.5962% | 4,414 |
| Total domestic deposits to total assets | 83.8568% | 2,797 |
| Equity capital to assets | 15.4934% | 539 |
| Core capital (leverage) ratio | 15.9105% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,839,667 | 3,903 |
| Average earning assets | $92,302,333 | 3,993 |
| Average equity | $17,273,667 | 3,437 |
| Average total loans | $51,779,667 | 4,106 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 2,415 |
| Cost of funding earning assets | 0.5573% | 3,650 |
| Net interest margin | 3.9053% | 1,659 |
| Noninterest income to average assets | 0.3358% | 3,509 |
| Noninterest expense to average assets | 2.8756% | 2,194 |
| Loan and lease loss provision to assets | 0.2702% | 1,159 |
| Net operating income to assets | 0.3568% | 4,229 |
| Return on assets (ROA) | 0.6099% | 3,630 |
| Pretax return on assets | 0.9186% | 3,083 |
| Return on Equity (ROE) | 3.6879% | 4,038 |
| Retained earnings to average equity (ytd only) | 3.6879% | 2,807 |
| Net charge-offs to loans | -0.7985% | 5,045 |
| Credit loss provision to net charge-offs | -67.9612% | 3,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8041% | 1,476 |
| Assets per employee ($millions) | 5.8548% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0252% | 73 |
| Loan loss allowance to noncurrent loans | 236.7882% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 812 |
| Noncurrent loans to loans | 1.6999% | 891 |
| Net loans and leases to total assets | 47.0362% | 4,383 |
| Net loans and leases to deposits | 56.5667% | 4,343 |
| Net loans and leases to core deposits | 60.2192% | 4,349 |
| Total domestic deposits to total assets | 83.1516% | 3,063 |
| Equity capital to assets | 16.3853% | 523 |
| Core capital (leverage) ratio | 16.7349% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,632,000 | 3,938 |
| Average earning assets | $90,441,500 | 4,019 |
| Average equity | $17,137,000 | 3,458 |
| Average total loans | $51,597,500 | 4,124 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 3,024 |
| Cost of funding earning assets | 0.5452% | 3,899 |
| Net interest margin | 3.9316% | 2,066 |
| Noninterest income to average assets | 0.4241% | 3,146 |
| Noninterest expense to average assets | 2.8602% | 2,411 |
| Loan and lease loss provision to assets | 2.2416% | 37 |
| Net operating income to assets | -0.7680% | 5,076 |
| Return on assets (ROA) | -0.7163% | 5,077 |
| Pretax return on assets | -1.1394% | 5,105 |
| Return on Equity (ROE) | -4.1970% | 5,065 |
| Retained earnings to average equity (ytd only) | -4.2856% | 4,956 |
| Net charge-offs to loans | 3.4075% | 30 |
| Credit loss provision to net charge-offs | 130.4985% | 1,959 |
| Earnings coverage of net charge-offs (x) | 0.6035% | 3,605 |
| Efficiency ratio | 73.3971% | 1,672 |
| Assets per employee ($millions) | 5.6598% | 1,913 |
| Cash dividends to net income (ytd only)* | -2.1097% | 5,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6977% | 75 |
| Loan loss allowance to noncurrent loans | 200.2101% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.5362% | 653 |
| Noncurrent loans to loans | 1.8469% | 724 |
| Net loans and leases to total assets | 48.7254% | 4,385 |
| Net loans and leases to deposits | 58.6553% | 4,348 |
| Net loans and leases to core deposits | 62.5717% | 4,339 |
| Total domestic deposits to total assets | 83.0708% | 3,167 |
| Equity capital to assets | 16.6927% | 504 |
| Core capital (leverage) ratio | 16.8043% | 436 |
| Tier 1 risk-based capital ratio | 22.0587% | 1,014 |
| Total risk-based capital ratio | 23.3231% | 996 |
| Memoranda: | ||
| Average total assets | $99,258,600 | 4,013 |
| Average earning assets | $87,673,200 | 4,071 |
| Average equity | $16,940,600 | 3,441 |
| Average total loans | $50,036,200 | 4,182 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 3,238 |
| Cost of funding earning assets | 0.5389% | 3,986 |
| Net interest margin | 3.9018% | 2,247 |
| Noninterest income to average assets | 0.3597% | 3,573 |
| Noninterest expense to average assets | 2.9248% | 2,180 |
| Loan and lease loss provision to assets | 2.8734% | 27 |
| Net operating income to assets | -1.9823% | 5,207 |
| Return on assets (ROA) | -1.8876% | 5,206 |
| Pretax return on assets | -1.8876% | 5,205 |
| Return on Equity (ROE) | -10.9978% | 5,204 |
| Retained earnings to average equity (ytd only) | -11.1159% | 5,154 |
| Net charge-offs to loans | 4.6959% | 19 |
| Credit loss provision to net charge-offs | 121.4980% | 1,938 |
| Earnings coverage of net charge-offs (x) | 0.3768% | 3,362 |
| Efficiency ratio | 76.6478% | 1,249 |
| Assets per employee ($millions) | 5.6591% | 1,878 |
| Cash dividends to net income (ytd only)* | -1.0745% | 5,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5468% | 87 |
| Loan loss allowance to noncurrent loans | 1,324.8120% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 1,694 |
| Noncurrent loans to loans | 0.2677% | 3,583 |
| Net loans and leases to total assets | 47.0406% | 4,548 |
| Net loans and leases to deposits | 56.4094% | 4,539 |
| Net loans and leases to core deposits | 59.9510% | 4,538 |
| Total domestic deposits to total assets | 83.3914% | 3,027 |
| Equity capital to assets | 16.0451% | 624 |
| Core capital (leverage) ratio | 16.3227% | 520 |
| Tier 1 risk-based capital ratio | 21.0527% | 1,189 |
| Total risk-based capital ratio | 22.3154% | 1,167 |
| Memoranda: | ||
| Average total assets | $98,604,000 | 4,065 |
| Average earning assets | $87,342,750 | 4,126 |
| Average equity | $16,924,250 | 3,467 |
| Average total loans | $49,658,750 | 4,241 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 3,318 |
| Cost of funding earning assets | 0.5169% | 4,050 |
| Net interest margin | 3.8872% | 2,280 |
| Noninterest income to average assets | 0.3753% | 3,431 |
| Noninterest expense to average assets | 2.9061% | 2,269 |
| Loan and lease loss provision to assets | 3.5891% | 21 |
| Net operating income to assets | -2.6805% | 5,269 |
| Return on assets (ROA) | -2.6457% | 5,267 |
| Pretax return on assets | -2.6457% | 5,265 |
| Return on Equity (ROE) | -15.0721% | 5,262 |
| Retained earnings to average equity (ytd only) | -15.2474% | 5,221 |
| Net charge-offs to loans | 6.0501% | 8 |
| Credit loss provision to net charge-offs | 116.5113% | 1,783 |
| Earnings coverage of net charge-offs (x) | 0.2949% | 3,094 |
| Efficiency ratio | 76.1828% | 1,367 |
| Assets per employee ($millions) | 5.4898% | 1,982 |
| Cash dividends to net income (ytd only)* | -1.1628% | 5,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2113% | 106 |
| Loan loss allowance to noncurrent loans | 210.0257% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 1,093 |
| Noncurrent loans to loans | 1.5290% | 1,005 |
| Net loans and leases to total assets | 49.8386% | 4,476 |
| Net loans and leases to deposits | 60.1691% | 4,418 |
| Net loans and leases to core deposits | 64.0846% | 4,410 |
| Total domestic deposits to total assets | 82.8309% | 3,260 |
| Equity capital to assets | 16.5933% | 518 |
| Core capital (leverage) ratio | 16.7895% | 454 |
| Tier 1 risk-based capital ratio | 21.5238% | 1,117 |
| Total risk-based capital ratio | 22.7854% | 1,091 |
| Memoranda: | ||
| Average total assets | $97,517,670 | 4,106 |
| Average earning assets | $86,283,000 | 4,171 |
| Average equity | $17,117,670 | 3,453 |
| Average total loans | $49,652,000 | 4,263 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 3,454 |
| Cost of funding earning assets | 0.4897% | 4,108 |
| Net interest margin | 3.8427% | 2,370 |
| Noninterest income to average assets | 0.3345% | 3,628 |
| Noninterest expense to average assets | 2.8079% | 2,539 |
| Loan and lease loss provision to assets | 0.5162% | 205 |
| Net operating income to assets | 0.3457% | 4,843 |
| Return on assets (ROA) | 0.3180% | 4,880 |
| Pretax return on assets | 0.3799% | 4,864 |
| Return on Equity (ROE) | 1.7622% | 4,992 |
| Retained earnings to average equity (ytd only) | 1.4189% | 4,215 |
| Net charge-offs to loans | 0.8810% | 161 |
| Credit loss provision to net charge-offs | 115.7407% | 1,447 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 2,530 |
| Efficiency ratio | 75.1381% | 1,599 |
| Assets per employee ($millions) | 5.4702% | 2,010 |
| Cash dividends to net income (ytd only)* | 19.4805% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8559% | 154 |
| Loan loss allowance to noncurrent loans | 75.5520% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.3075% | 368 |
| Noncurrent loans to loans | 3.7800% | 221 |
| Net loans and leases to total assets | 48.4690% | 4,559 |
| Net loans and leases to deposits | 59.3671% | 4,450 |
| Net loans and leases to core deposits | 63.2776% | 4,417 |
| Total domestic deposits to total assets | 81.6429% | 3,819 |
| Equity capital to assets | 17.9225% | 355 |
| Core capital (leverage) ratio | 18.5990% | 300 |
| Tier 1 risk-based capital ratio | 22.8155% | 958 |
| Total risk-based capital ratio | 24.0718% | 933 |
| Memoranda: | ||
| Average total assets | $96,868,000 | 4,153 |
| Average earning assets | $85,774,000 | 4,223 |
| Average equity | $17,478,000 | 3,424 |
| Average total loans | $49,036,500 | 4,325 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,679 |
| Cost of funding earning assets | 0.3391% | 4,354 |
| Net interest margin | 3.7807% | 2,741 |
| Noninterest income to average assets | 0.5051% | 2,812 |
| Noninterest expense to average assets | 2.7703% | 2,785 |
| Loan and lease loss provision to assets | 1.3170% | 54 |
| Net operating income to assets | 0.0085% | 5,230 |
| Return on assets (ROA) | -0.1694% | 5,263 |
| Pretax return on assets | -0.3522% | 5,295 |
| Return on Equity (ROE) | -0.9512% | 5,259 |
| Retained earnings to average equity (ytd only) | -0.9512% | 5,083 |
| Net charge-offs to loans | 1.7241% | 62 |
| Credit loss provision to net charge-offs | 158.3851% | 1,751 |
| Earnings coverage of net charge-offs (x) | 1.4311% | 3,623 |
| Efficiency ratio | 69.9531% | 2,196 |
| Assets per employee ($millions) | 5.0144% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8317% | 156 |
| Loan loss allowance to noncurrent loans | 66.0314% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.4603% | 316 |
| Noncurrent loans to loans | 4.2884% | 159 |
| Net loans and leases to total assets | 49.9197% | 4,528 |
| Net loans and leases to deposits | 61.1814% | 4,419 |
| Net loans and leases to core deposits | 65.3458% | 4,389 |
| Total domestic deposits to total assets | 81.5929% | 3,760 |
| Equity capital to assets | 18.1678% | 329 |
| Core capital (leverage) ratio | 18.5179% | 292 |
| Tier 1 risk-based capital ratio | 22.2410% | 994 |
| Total risk-based capital ratio | 23.4976% | 973 |
| Memoranda: | ||
| Average total assets | $96,814,200 | 4,152 |
| Average earning assets | $88,475,000 | 4,176 |
| Average equity | $17,241,800 | 3,367 |
| Average total loans | $46,691,000 | 4,382 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,889 |
| Cost of funding earning assets | 0.3003% | 4,514 |
| Net interest margin | 3.7109% | 2,980 |
| Noninterest income to average assets | 0.4417% | 3,225 |
| Noninterest expense to average assets | 2.8175% | 2,579 |
| Loan and lease loss provision to assets | 1.6461% | 39 |
| Net operating income to assets | -0.6145% | 5,402 |
| Return on assets (ROA) | -0.8079% | 5,404 |
| Pretax return on assets | -0.8079% | 5,404 |
| Return on Equity (ROE) | -4.5591% | 5,387 |
| Retained earnings to average equity (ytd only) | -4.5591% | 5,301 |
| Net charge-offs to loans | 2.1939% | 41 |
| Credit loss provision to net charge-offs | 158.1028% | 1,638 |
| Earnings coverage of net charge-offs (x) | 0.9908% | 3,383 |
| Efficiency ratio | 73.2003% | 1,701 |
| Assets per employee ($millions) | 5.3699% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 166 |
| Loan loss allowance to noncurrent loans | 60.1241% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 2.6299% | 319 |
| Noncurrent loans to loans | 4.6823% | 151 |
| Net loans and leases to total assets | 48.4652% | 4,694 |
| Net loans and leases to deposits | 61.3312% | 4,476 |
| Net loans and leases to core deposits | 63.4684% | 4,553 |
| Total domestic deposits to total assets | 79.0221% | 4,312 |
| Equity capital to assets | 17.2710% | 404 |
| Core capital (leverage) ratio | 17.7783% | 348 |
| Tier 1 risk-based capital ratio | 22.0878% | 1,042 |
| Total risk-based capital ratio | 23.3434% | 1,020 |
| Memoranda: | ||
| Average total assets | $97,199,500 | 4,188 |
| Average earning assets | $89,247,250 | 4,201 |
| Average equity | $17,225,000 | 3,401 |
| Average total loans | $46,127,250 | 4,442 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 4,138 |
| Cost of funding earning assets | 0.2712% | 4,626 |
| Net interest margin | 3.6045% | 3,289 |
| Noninterest income to average assets | 0.4375% | 3,237 |
| Noninterest expense to average assets | 2.8302% | 2,580 |
| Loan and lease loss provision to assets | 0.7188% | 138 |
| Net operating income to assets | 0.1910% | 5,240 |
| Return on assets (ROA) | 0.0924% | 5,292 |
| Pretax return on assets | 0.0924% | 5,296 |
| Return on Equity (ROE) | 0.5172% | 5,302 |
| Retained earnings to average equity (ytd only) | 0.5172% | 4,858 |
| Net charge-offs to loans | 0.4622% | 331 |
| Credit loss provision to net charge-offs | 333.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 4.2190% | 2,808 |
| Efficiency ratio | 75.6727% | 1,470 |
| Assets per employee ($millions) | 5.4661% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4083% | 272 |
| Loan loss allowance to noncurrent loans | 31.3191% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 4.0573% | 134 |
| Noncurrent loans to loans | 7.6896% | 47 |
| Net loans and leases to total assets | 47.8169% | 4,731 |
| Net loans and leases to deposits | 60.8165% | 4,486 |
| Net loans and leases to core deposits | 62.9013% | 4,564 |
| Total domestic deposits to total assets | 78.6249% | 4,486 |
| Equity capital to assets | 17.6929% | 352 |
| Core capital (leverage) ratio | 18.5090% | 297 |
| Tier 1 risk-based capital ratio | 22.6210% | 972 |
| Total risk-based capital ratio | 23.8742% | 953 |
| Memoranda: | ||
| Average total assets | $97,379,670 | 4,219 |
| Average earning assets | $89,221,670 | 4,238 |
| Average equity | $17,402,000 | 3,402 |
| Average total loans | $45,435,330 | 4,510 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 4,180 |
| Cost of funding earning assets | 0.2842% | 4,467 |
| Net interest margin | 3.5274% | 3,433 |
| Noninterest income to average assets | 0.4290% | 3,252 |
| Noninterest expense to average assets | 2.8049% | 2,668 |
| Loan and lease loss provision to assets | 0.3094% | 414 |
| Net operating income to assets | 0.4019% | 4,922 |
| Return on assets (ROA) | 0.3465% | 5,017 |
| Pretax return on assets | 0.4702% | 4,920 |
| Return on Equity (ROE) | 1.9218% | 5,193 |
| Retained earnings to average equity (ytd only) | 1.9218% | 4,376 |
| Net charge-offs to loans | 0.9989% | 144 |
| Credit loss provision to net charge-offs | 68.1818% | 1,842 |
| Earnings coverage of net charge-offs (x) | 1.8727% | 2,509 |
| Efficiency ratio | 76.7494% | 1,489 |
| Assets per employee ($millions) | 5.3584% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 543 |
| Loan loss allowance to noncurrent loans | 24.0513% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 4.2062% | 145 |
| Noncurrent loans to loans | 8.3377% | 44 |
| Net loans and leases to total assets | 44.6357% | 4,867 |
| Net loans and leases to deposits | 54.8021% | 4,757 |
| Net loans and leases to core deposits | 56.6496% | 4,816 |
| Total domestic deposits to total assets | 81.4488% | 4,106 |
| Equity capital to assets | 18.0701% | 306 |
| Core capital (leverage) ratio | 18.5811% | 279 |
| Tier 1 risk-based capital ratio | 24.6596% | 775 |
| Total risk-based capital ratio | 25.8677% | 767 |
| Memoranda: | ||
| Average total assets | $96,974,500 | 4,269 |
| Average earning assets | $88,676,500 | 4,289 |
| Average equity | $17,484,000 | 3,418 |
| Average total loans | $44,049,000 | 4,592 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6325% | 4,497 |
| Cost of funding earning assets | 0.2439% | 4,614 |
| Net interest margin | 3.3886% | 3,888 |
| Noninterest income to average assets | 0.4594% | 3,248 |
| Noninterest expense to average assets | 2.6905% | 3,156 |
| Loan and lease loss provision to assets | 0.9930% | 98 |
| Net operating income to assets | 0.1480% | 5,201 |
| Return on assets (ROA) | 0.1453% | 5,207 |
| Pretax return on assets | -0.0651% | 5,460 |
| Return on Equity (ROE) | 0.8271% | 5,259 |
| Retained earnings to average equity (ytd only) | 0.8271% | 4,699 |
| Net charge-offs to loans | 2.7997% | 48 |
| Credit loss provision to net charge-offs | 79.9509% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.7504% | 3,969 |
| Efficiency ratio | 74.2705% | 1,859 |
| Assets per employee ($millions) | 5.4165% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 465 |
| Loan loss allowance to noncurrent loans | 24.1180% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 4.3150% | 127 |
| Noncurrent loans to loans | 8.5996% | 35 |
| Net loans and leases to total assets | 44.3593% | 4,961 |
| Net loans and leases to deposits | 55.2406% | 4,839 |
| Net loans and leases to core deposits | 57.1049% | 4,890 |
| Total domestic deposits to total assets | 80.3020% | 4,279 |
| Equity capital to assets | 17.9893% | 316 |
| Core capital (leverage) ratio | 18.4785% | 265 |
| Tier 1 risk-based capital ratio | 24.1983% | 800 |
| Total risk-based capital ratio | 25.4367% | 784 |
| Memoranda: | ||
| Average total assets | $98,384,400 | 4,267 |
| Average earning assets | $91,836,800 | 4,247 |
| Average equity | $17,290,200 | 3,460 |
| Average total loans | $43,647,600 | 4,624 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 4,576 |
| Cost of funding earning assets | 0.2437% | 4,622 |
| Net interest margin | 3.3517% | 4,009 |
| Noninterest income to average assets | 0.4151% | 3,589 |
| Noninterest expense to average assets | 2.7814% | 2,793 |
| Loan and lease loss provision to assets | 1.2805% | 75 |
| Net operating income to assets | -0.5043% | 5,630 |
| Return on assets (ROA) | -0.5098% | 5,631 |
| Pretax return on assets | -0.5098% | 5,626 |
| Return on Equity (ROE) | -2.9176% | 5,607 |
| Retained earnings to average equity (ytd only) | -2.9176% | 5,483 |
| Net charge-offs to loans | 3.9860% | 27 |
| Credit loss provision to net charge-offs | 72.7902% | 2,672 |
| Earnings coverage of net charge-offs (x) | 0.4412% | 3,666 |
| Efficiency ratio | 78.1832% | 1,312 |
| Assets per employee ($millions) | 5.6374% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 824 |
| Loan loss allowance to noncurrent loans | 22.7388% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 4.1300% | 160 |
| Noncurrent loans to loans | 8.0053% | 49 |
| Net loans and leases to total assets | 45.4176% | 4,968 |
| Net loans and leases to deposits | 56.5053% | 4,846 |
| Net loans and leases to core deposits | 58.6825% | 4,889 |
| Total domestic deposits to total assets | 80.3777% | 4,233 |
| Equity capital to assets | 17.9872% | 337 |
| Core capital (leverage) ratio | 17.7157% | 320 |
| Tier 1 risk-based capital ratio | 24.2131% | 826 |
| Total risk-based capital ratio | 25.3375% | 825 |
| Memoranda: | ||
| Average total assets | $98,606,250 | 4,306 |
| Average earning assets | $92,448,500 | 4,267 |
| Average equity | $17,228,000 | 3,498 |
| Average total loans | $43,518,250 | 4,672 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 4,423 |
| Cost of funding earning assets | 0.2340% | 4,692 |
| Net interest margin | 3.3990% | 3,775 |
| Noninterest income to average assets | 0.3606% | 3,978 |
| Noninterest expense to average assets | 2.8604% | 2,540 |
| Loan and lease loss provision to assets | 0.1202% | 1,716 |
| Net operating income to assets | 0.4121% | 4,953 |
| Return on assets (ROA) | 0.4046% | 4,999 |
| Pretax return on assets | 0.5408% | 4,932 |
| Return on Equity (ROE) | 2.3059% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.3059% | 4,297 |
| Net charge-offs to loans | 0.5409% | 358 |
| Credit loss provision to net charge-offs | 50.8475% | 2,552 |
| Earnings coverage of net charge-offs (x) | 2.8390% | 3,115 |
| Efficiency ratio | 80.9983% | 1,108 |
| Assets per employee ($millions) | 5.4519% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5426% | 270 |
| Loan loss allowance to noncurrent loans | 22.6955% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 5.3692% | 91 |
| Noncurrent loans to loans | 11.2031% | 20 |
| Net loans and leases to total assets | 43.0819% | 5,097 |
| Net loans and leases to deposits | 53.1084% | 5,010 |
| Net loans and leases to core deposits | 55.4786% | 5,023 |
| Total domestic deposits to total assets | 81.1207% | 4,152 |
| Equity capital to assets | 18.1660% | 317 |
| Core capital (leverage) ratio | 17.9292% | 301 |
| Tier 1 risk-based capital ratio | 24.8227% | 768 |
| Total risk-based capital ratio | 26.0765% | 746 |
| Memoranda: | ||
| Average total assets | $99,846,000 | 4,311 |
| Average earning assets | $93,144,670 | 4,288 |
| Average equity | $17,520,330 | 3,464 |
| Average total loans | $43,631,000 | 4,697 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 4,682 |
| Cost of funding earning assets | 0.2271% | 4,738 |
| Net interest margin | 3.2782% | 4,089 |
| Noninterest income to average assets | 0.3893% | 3,745 |
| Noninterest expense to average assets | 2.8560% | 2,597 |
| Loan and lease loss provision to assets | 0.1192% | 1,603 |
| Net operating income to assets | 0.3456% | 5,086 |
| Return on assets (ROA) | 0.3456% | 5,104 |
| Pretax return on assets | 0.4528% | 5,054 |
| Return on Equity (ROE) | 2.0038% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.0038% | 4,336 |
| Net charge-offs to loans | -0.0823% | 5,383 |
| Credit loss provision to net charge-offs | -333.3333% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3140% | 1,033 |
| Assets per employee ($millions) | 6.0157% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7858% | 227 |
| Loan loss allowance to noncurrent loans | 23.2468% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 4.7672% | 130 |
| Noncurrent loans to loans | 11.9837% | 24 |
| Net loans and leases to total assets | 38.6722% | 5,299 |
| Net loans and leases to deposits | 46.3522% | 5,291 |
| Net loans and leases to core deposits | 47.9635% | 5,300 |
| Total domestic deposits to total assets | 83.4312% | 3,682 |
| Equity capital to assets | 16.1449% | 467 |
| Core capital (leverage) ratio | 18.5483% | 256 |
| Tier 1 risk-based capital ratio | 21.6225% | 1,129 |
| Total risk-based capital ratio | 22.8756% | 1,108 |
| Memoranda: | ||
| Average total assets | $100,702,000 | 4,336 |
| Average earning assets | $93,344,500 | 4,323 |
| Average equity | $17,367,000 | 3,500 |
| Average total loans | $43,756,000 | 4,736 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 2,969 |
| Cost of funding earning assets | 0.2546% | 4,526 |
| Net interest margin | 3.8116% | 2,272 |
| Noninterest income to average assets | 0.5246% | 3,065 |
| Noninterest expense to average assets | 3.1497% | 1,900 |
| Loan and lease loss provision to assets | 0.2860% | 678 |
| Net operating income to assets | 0.3778% | 5,013 |
| Return on assets (ROA) | 0.3778% | 5,093 |
| Pretax return on assets | 0.4987% | 5,026 |
| Return on Equity (ROE) | 2.0039% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.0039% | 4,407 |
| Net charge-offs to loans | 1.2207% | 136 |
| Credit loss provision to net charge-offs | 47.6619% | 3,408 |
| Earnings coverage of net charge-offs (x) | 1.3076% | 4,002 |
| Efficiency ratio | 80.0549% | 1,413 |
| Assets per employee ($millions) | 5.1734% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6127% | 275 |
| Loan loss allowance to noncurrent loans | 26.7882% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 4.6541% | 145 |
| Noncurrent loans to loans | 9.7531% | 28 |
| Net loans and leases to total assets | 46.4724% | 4,987 |
| Net loans and leases to deposits | 57.1821% | 4,850 |
| Net loans and leases to core deposits | 59.8421% | 4,865 |
| Total domestic deposits to total assets | 81.2708% | 4,265 |
| Equity capital to assets | 18.5262% | 274 |
| Core capital (leverage) ratio | 19.2063% | 220 |
| Tier 1 risk-based capital ratio | 25.4115% | 732 |
| Total risk-based capital ratio | 26.6666% | 720 |
| Memoranda: | ||
| Average total assets | $92,643,400 | 4,498 |
| Average earning assets | $82,877,800 | 4,539 |
| Average equity | $17,465,800 | 3,491 |
| Average total loans | $45,546,000 | 4,696 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 2,953 |
| Cost of funding earning assets | 0.2564% | 4,543 |
| Net interest margin | 3.8221% | 2,253 |
| Noninterest income to average assets | 0.4626% | 3,473 |
| Noninterest expense to average assets | 3.1314% | 1,950 |
| Loan and lease loss provision to assets | 0.3386% | 481 |
| Net operating income to assets | 0.2940% | 5,299 |
| Return on assets (ROA) | 0.2940% | 5,383 |
| Pretax return on assets | 0.4078% | 5,291 |
| Return on Equity (ROE) | 1.5525% | 5,549 |
| Retained earnings to average equity (ytd only) | 1.5525% | 4,891 |
| Net charge-offs to loans | 1.5276% | 87 |
| Credit loss provision to net charge-offs | 44.7619% | 3,100 |
| Earnings coverage of net charge-offs (x) | 0.9867% | 3,741 |
| Efficiency ratio | 80.7507% | 1,332 |
| Assets per employee ($millions) | 4.9138% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5049% | 332 |
| Loan loss allowance to noncurrent loans | 25.1951% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 4.9399% | 151 |
| Noncurrent loans to loans | 9.9418% | 36 |
| Net loans and leases to total assets | 48.4437% | 4,929 |
| Net loans and leases to deposits | 60.0430% | 4,752 |
| Net loans and leases to core deposits | 62.8647% | 4,781 |
| Total domestic deposits to total assets | 80.6816% | 4,329 |
| Equity capital to assets | 18.8717% | 275 |
| Core capital (leverage) ratio | 18.9222% | 236 |
| Tier 1 risk-based capital ratio | 25.0370% | 812 |
| Total risk-based capital ratio | 26.2924% | 796 |
| Memoranda: | ||
| Average total assets | $92,523,750 | 4,536 |
| Average earning assets | $82,675,000 | 4,572 |
| Average equity | $17,519,250 | 3,508 |
| Average total loans | $45,823,250 | 4,736 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0982% | 2,868 |
| Cost of funding earning assets | 0.2590% | 4,557 |
| Net interest margin | 3.8392% | 2,174 |
| Noninterest income to average assets | 0.4683% | 3,415 |
| Noninterest expense to average assets | 3.1482% | 1,933 |
| Loan and lease loss provision to assets | 0.4445% | 323 |
| Net operating income to assets | 0.2103% | 5,506 |
| Return on assets (ROA) | 0.2103% | 5,567 |
| Pretax return on assets | 0.2819% | 5,525 |
| Return on Equity (ROE) | 1.1095% | 5,671 |
| Retained earnings to average equity (ytd only) | 1.1095% | 4,939 |
| Net charge-offs to loans | 2.2702% | 64 |
| Credit loss provision to net charge-offs | 39.5753% | 2,772 |
| Earnings coverage of net charge-offs (x) | 0.6467% | 3,501 |
| Efficiency ratio | 81.2535% | 1,358 |
| Assets per employee ($millions) | 4.8978% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4689% | 377 |
| Loan loss allowance to noncurrent loans | 29.1677% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 4.1963% | 201 |
| Noncurrent loans to loans | 8.4645% | 56 |
| Net loans and leases to total assets | 48.3516% | 4,963 |
| Net loans and leases to deposits | 60.0342% | 4,795 |
| Net loans and leases to core deposits | 62.8641% | 4,822 |
| Total domestic deposits to total assets | 80.5401% | 4,399 |
| Equity capital to assets | 18.8925% | 269 |
| Core capital (leverage) ratio | 19.1954% | 222 |
| Tier 1 risk-based capital ratio | 25.7360% | 740 |
| Total risk-based capital ratio | 26.9917% | 722 |
| Memoranda: | ||
| Average total assets | $92,244,330 | 4,574 |
| Average earning assets | $81,840,670 | 4,626 |
| Average equity | $17,486,000 | 3,517 |
| Average total loans | $45,634,330 | 4,783 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 2,645 |
| Cost of funding earning assets | 0.2635% | 4,565 |
| Net interest margin | 3.8882% | 1,969 |
| Noninterest income to average assets | 0.4573% | 3,433 |
| Noninterest expense to average assets | 3.1882% | 1,863 |
| Loan and lease loss provision to assets | 0.1307% | 1,616 |
| Net operating income to assets | 0.3572% | 5,118 |
| Return on assets (ROA) | 0.3572% | 5,206 |
| Pretax return on assets | 0.5444% | 4,968 |
| Return on Equity (ROE) | 1.8809% | 5,524 |
| Retained earnings to average equity (ytd only) | 1.8809% | 4,509 |
| Net charge-offs to loans | -0.0176% | 4,794 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5254% | 1,321 |
| Assets per employee ($millions) | 4.8601% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2906% | 168 |
| Loan loss allowance to noncurrent loans | 35.7160% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 4.4996% | 201 |
| Noncurrent loans to loans | 9.2133% | 51 |
| Net loans and leases to total assets | 47.2315% | 5,027 |
| Net loans and leases to deposits | 58.6178% | 4,810 |
| Net loans and leases to core deposits | 61.6200% | 4,831 |
| Total domestic deposits to total assets | 80.5753% | 4,615 |
| Equity capital to assets | 18.9537% | 259 |
| Core capital (leverage) ratio | 19.2945% | 223 |
| Tier 1 risk-based capital ratio | 28.2271% | 593 |
| Total risk-based capital ratio | 29.4910% | 576 |
| Memoranda: | ||
| Average total assets | $91,837,500 | 4,623 |
| Average earning assets | $80,449,500 | 4,692 |
| Average equity | $17,438,500 | 3,520 |
| Average total loans | $45,384,500 | 4,819 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0670% | 3,042 |
| Cost of funding earning assets | 0.2616% | 4,677 |
| Net interest margin | 3.8054% | 2,354 |
| Noninterest income to average assets | 0.6539% | 2,440 |
| Noninterest expense to average assets | 3.0862% | 2,279 |
| Loan and lease loss provision to assets | 0.1853% | 1,209 |
| Net operating income to assets | 0.5173% | 4,628 |
| Return on assets (ROA) | 0.5187% | 4,702 |
| Pretax return on assets | 0.7923% | 4,216 |
| Return on Equity (ROE) | 2.7871% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.7871% | 4,090 |
| Net charge-offs to loans | 0.2773% | 1,095 |
| Credit loss provision to net charge-offs | 133.8583% | 1,961 |
| Earnings coverage of net charge-offs (x) | 7.0472% | 3,127 |
| Efficiency ratio | 75.9860% | 2,270 |
| Assets per employee ($millions) | 4.8071% | 2,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1793% | 183 |
| Loan loss allowance to noncurrent loans | 34.2291% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 4.6445% | 199 |
| Noncurrent loans to loans | 9.2882% | 53 |
| Net loans and leases to total assets | 48.4146% | 4,981 |
| Net loans and leases to deposits | 59.9425% | 4,785 |
| Net loans and leases to core deposits | 63.0322% | 4,797 |
| Total domestic deposits to total assets | 80.7684% | 4,551 |
| Equity capital to assets | 19.0236% | 245 |
| Core capital (leverage) ratio | 19.4215% | 219 |
| Tier 1 risk-based capital ratio | 27.9729% | 600 |
| Total risk-based capital ratio | 29.2361% | 592 |
| Memoranda: | ||
| Average total assets | $91,763,400 | 4,628 |
| Average earning assets | $82,173,600 | 4,671 |
| Average equity | $17,078,800 | 3,520 |
| Average total loans | $45,801,600 | 4,803 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 2,824 |
| Cost of funding earning assets | 0.2597% | 4,777 |
| Net interest margin | 3.8671% | 2,134 |
| Noninterest income to average assets | 0.5384% | 3,117 |
| Noninterest expense to average assets | 3.1217% | 2,165 |
| Loan and lease loss provision to assets | 0.2032% | 984 |
| Net operating income to assets | 0.4397% | 5,012 |
| Return on assets (ROA) | 0.4397% | 5,104 |
| Pretax return on assets | 0.6923% | 4,705 |
| Return on Equity (ROE) | 2.3757% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.3757% | 4,691 |
| Net charge-offs to loans | 0.1455% | 1,673 |
| Credit loss provision to net charge-offs | 280.0000% | 1,029 |
| Earnings coverage of net charge-offs (x) | 12.3391% | 2,413 |
| Efficiency ratio | 77.7095% | 1,992 |
| Assets per employee ($millions) | 4.7420% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2194% | 196 |
| Loan loss allowance to noncurrent loans | 35.7415% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 4.6549% | 230 |
| Noncurrent loans to loans | 9.0073% | 53 |
| Net loans and leases to total assets | 50.0155% | 4,931 |
| Net loans and leases to deposits | 62.1619% | 4,710 |
| Net loans and leases to core deposits | 65.7192% | 4,711 |
| Total domestic deposits to total assets | 80.4602% | 4,619 |
| Equity capital to assets | 19.1525% | 273 |
| Core capital (leverage) ratio | 18.6075% | 265 |
| Tier 1 risk-based capital ratio | 27.9242% | 625 |
| Total risk-based capital ratio | 29.1881% | 608 |
| Memoranda: | ||
| Average total assets | $91,870,750 | 4,682 |
| Average earning assets | $82,643,500 | 4,721 |
| Average equity | $17,004,750 | 3,557 |
| Average total loans | $45,834,250 | 4,849 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1056% | 2,877 |
| Cost of funding earning assets | 0.2593% | 4,842 |
| Net interest margin | 3.8462% | 2,154 |
| Noninterest income to average assets | 0.5321% | 3,156 |
| Noninterest expense to average assets | 3.1473% | 2,126 |
| Loan and lease loss provision to assets | 0.2379% | 767 |
| Net operating income to assets | 0.3720% | 5,231 |
| Return on assets (ROA) | 0.3720% | 5,346 |
| Pretax return on assets | 0.5797% | 5,024 |
| Return on Equity (ROE) | 2.0330% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.0330% | 4,680 |
| Net charge-offs to loans | 0.2720% | 971 |
| Credit loss provision to net charge-offs | 177.4194% | 1,356 |
| Earnings coverage of net charge-offs (x) | 6.0968% | 2,826 |
| Efficiency ratio | 79.3781% | 1,857 |
| Assets per employee ($millions) | 4.9795% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1544% | 232 |
| Loan loss allowance to noncurrent loans | 56.0169% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.7492% | 648 |
| Noncurrent loans to loans | 5.6311% | 181 |
| Net loans and leases to total assets | 47.2810% | 5,164 |
| Net loans and leases to deposits | 58.0744% | 4,990 |
| Net loans and leases to core deposits | 61.1934% | 4,993 |
| Total domestic deposits to total assets | 81.4144% | 4,479 |
| Equity capital to assets | 18.0042% | 339 |
| Core capital (leverage) ratio | 18.6487% | 255 |
| Tier 1 risk-based capital ratio | 27.8086% | 653 |
| Total risk-based capital ratio | 29.0720% | 646 |
| Memoranda: | ||
| Average total assets | $92,461,670 | 4,712 |
| Average earning assets | $82,522,330 | 4,769 |
| Average equity | $16,921,000 | 3,576 |
| Average total loans | $45,591,670 | 4,904 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 2,691 |
| Cost of funding earning assets | 0.2581% | 4,926 |
| Net interest margin | 3.8767% | 1,974 |
| Noninterest income to average assets | 0.5865% | 2,727 |
| Noninterest expense to average assets | 3.1908% | 2,005 |
| Loan and lease loss provision to assets | 0.1313% | 1,577 |
| Net operating income to assets | 0.4727% | 4,789 |
| Return on assets (ROA) | 0.4727% | 4,908 |
| Pretax return on assets | 0.7485% | 4,437 |
| Return on Equity (ROE) | 2.5616% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.5616% | 4,404 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3871% | 2,131 |
| Assets per employee ($millions) | 4.8993% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2030% | 245 |
| Loan loss allowance to noncurrent loans | 45.4804% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 3.3990% | 499 |
| Noncurrent loans to loans | 7.0427% | 123 |
| Net loans and leases to total assets | 46.7165% | 5,140 |
| Net loans and leases to deposits | 57.5255% | 4,951 |
| Net loans and leases to core deposits | 60.4213% | 4,961 |
| Total domestic deposits to total assets | 81.2101% | 4,763 |
| Equity capital to assets | 18.3076% | 307 |
| Core capital (leverage) ratio | 18.7323% | 251 |
| Tier 1 risk-based capital ratio | 27.9467% | 654 |
| Total risk-based capital ratio | 29.2097% | 639 |
| Memoranda: | ||
| Average total assets | $91,387,000 | 4,782 |
| Average earning assets | $82,132,500 | 4,818 |
| Average equity | $16,864,500 | 3,606 |
| Average total loans | $45,292,500 | 4,942 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,509 |
| Cost of funding earning assets | 0.2703% | 5,098 |
| Net interest margin | 3.7837% | 2,682 |
| Noninterest income to average assets | 0.6504% | 2,545 |
| Noninterest expense to average assets | 3.0835% | 2,579 |
| Loan and lease loss provision to assets | 0.1314% | 1,993 |
| Net operating income to assets | 0.5963% | 4,386 |
| Return on assets (ROA) | 0.6001% | 4,462 |
| Pretax return on assets | 0.8738% | 3,985 |
| Return on Equity (ROE) | 3.3939% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.3939% | 3,799 |
| Net charge-offs to loans | 0.4596% | 909 |
| Credit loss provision to net charge-offs | 58.2524% | 3,320 |
| Earnings coverage of net charge-offs (x) | 4.4320% | 3,653 |
| Efficiency ratio | 75.5162% | 2,592 |
| Assets per employee ($millions) | 4.7204% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0859% | 272 |
| Loan loss allowance to noncurrent loans | 54.9746% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.8577% | 742 |
| Noncurrent loans to loans | 5.6134% | 221 |
| Net loans and leases to total assets | 49.3383% | 5,035 |
| Net loans and leases to deposits | 60.7571% | 4,834 |
| Net loans and leases to core deposits | 63.9294% | 4,829 |
| Total domestic deposits to total assets | 81.2057% | 4,679 |
| Equity capital to assets | 18.6058% | 281 |
| Core capital (leverage) ratio | 18.9896% | 246 |
| Tier 1 risk-based capital ratio | 28.3328% | 599 |
| Total risk-based capital ratio | 29.5963% | 582 |
| Memoranda: | ||
| Average total assets | $91,324,200 | 4,805 |
| Average earning assets | $82,856,400 | 4,825 |
| Average equity | $16,146,800 | 3,646 |
| Average total loans | $44,822,600 | 5,004 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 3,689 |
| Cost of funding earning assets | 0.2730% | 5,177 |
| Net interest margin | 3.7465% | 2,834 |
| Noninterest income to average assets | 0.5988% | 2,879 |
| Noninterest expense to average assets | 3.0842% | 2,512 |
| Loan and lease loss provision to assets | 0.1308% | 1,916 |
| Net operating income to assets | 0.4880% | 4,913 |
| Return on assets (ROA) | 0.4898% | 4,976 |
| Pretax return on assets | 0.7776% | 4,438 |
| Return on Equity (ROE) | 2.8062% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.8062% | 4,607 |
| Net charge-offs to loans | 0.4363% | 904 |
| Credit loss provision to net charge-offs | 61.6438% | 2,915 |
| Earnings coverage of net charge-offs (x) | 4.2672% | 3,494 |
| Efficiency ratio | 77.3042% | 2,302 |
| Assets per employee ($millions) | 4.7867% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1622% | 302 |
| Loan loss allowance to noncurrent loans | 41.2676% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 3.9935% | 496 |
| Noncurrent loans to loans | 7.6627% | 132 |
| Net loans and leases to total assets | 48.4535% | 5,157 |
| Net loans and leases to deposits | 59.2155% | 5,007 |
| Net loans and leases to core deposits | 62.2547% | 5,021 |
| Total domestic deposits to total assets | 81.8257% | 4,539 |
| Equity capital to assets | 18.0083% | 335 |
| Core capital (leverage) ratio | 18.2691% | 286 |
| Tier 1 risk-based capital ratio | 27.7923% | 655 |
| Total risk-based capital ratio | 29.0556% | 639 |
| Memoranda: | ||
| Average total assets | $91,733,500 | 4,850 |
| Average earning assets | $83,027,500 | 4,868 |
| Average equity | $16,011,750 | 3,684 |
| Average total loans | $44,613,500 | 5,066 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,885 |
| Cost of funding earning assets | 0.2749% | 5,237 |
| Net interest margin | 3.6877% | 3,008 |
| Noninterest income to average assets | 0.6261% | 2,673 |
| Noninterest expense to average assets | 3.0567% | 2,639 |
| Loan and lease loss provision to assets | 0.1304% | 1,893 |
| Net operating income to assets | 0.4805% | 4,892 |
| Return on assets (ROA) | 0.4805% | 4,959 |
| Pretax return on assets | 0.7631% | 4,405 |
| Return on Equity (ROE) | 2.7817% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.7817% | 4,430 |
| Net charge-offs to loans | 0.4152% | 980 |
| Credit loss provision to net charge-offs | 65.2174% | 2,551 |
| Earnings coverage of net charge-offs (x) | 4.4674% | 3,103 |
| Efficiency ratio | 77.3803% | 2,394 |
| Assets per employee ($millions) | 4.6178% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2078% | 301 |
| Loan loss allowance to noncurrent loans | 49.5764% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 3.3523% | 717 |
| Noncurrent loans to loans | 6.4705% | 220 |
| Net loans and leases to total assets | 47.7982% | 5,189 |
| Net loans and leases to deposits | 58.3807% | 5,003 |
| Net loans and leases to core deposits | 61.8480% | 4,979 |
| Total domestic deposits to total assets | 81.8732% | 4,688 |
| Equity capital to assets | 17.5984% | 355 |
| Core capital (leverage) ratio | 18.1078% | 291 |
| Tier 1 risk-based capital ratio | 28.1612% | 633 |
| Total risk-based capital ratio | 29.4265% | 620 |
| Memoranda: | ||
| Average total assets | $91,995,670 | 4,877 |
| Average earning assets | $82,924,670 | 4,904 |
| Average equity | $15,889,670 | 3,709 |
| Average total loans | $44,316,000 | 5,113 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 3,746 |
| Cost of funding earning assets | 0.2830% | 5,240 |
| Net interest margin | 3.7033% | 2,855 |
| Noninterest income to average assets | 0.6099% | 2,677 |
| Noninterest expense to average assets | 3.1193% | 2,472 |
| Loan and lease loss provision to assets | 0.1307% | 1,858 |
| Net operating income to assets | 0.4226% | 5,034 |
| Return on assets (ROA) | 0.4226% | 5,101 |
| Pretax return on assets | 0.6666% | 4,610 |
| Return on Equity (ROE) | 2.4701% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.4701% | 4,593 |
| Net charge-offs to loans | 2.1067% | 118 |
| Credit loss provision to net charge-offs | 13.0435% | 2,581 |
| Earnings coverage of net charge-offs (x) | 0.7957% | 3,262 |
| Efficiency ratio | 79.6440% | 2,253 |
| Assets per employee ($millions) | 4.8891% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0054% | 430 |
| Loan loss allowance to noncurrent loans | 49.3898% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 2.9787% | 964 |
| Noncurrent loans to loans | 6.0851% | 295 |
| Net loans and leases to total assets | 44.9920% | 5,429 |
| Net loans and leases to deposits | 54.4760% | 5,239 |
| Net loans and leases to core deposits | 57.3739% | 5,249 |
| Total domestic deposits to total assets | 82.5905% | 4,758 |
| Equity capital to assets | 17.1167% | 386 |
| Core capital (leverage) ratio | 18.1997% | 299 |
| Tier 1 risk-based capital ratio | 28.5141% | 608 |
| Total risk-based capital ratio | 29.7771% | 589 |
| Memoranda: | ||
| Average total assets | $91,816,000 | 4,918 |
| Average earning assets | $81,980,000 | 4,977 |
| Average equity | $15,708,000 | 3,750 |
| Average total loans | $43,670,500 | 5,179 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,283 |
| Cost of funding earning assets | 0.3189% | 5,432 |
| Net interest margin | 3.8974% | 2,294 |
| Noninterest income to average assets | 0.5311% | 3,542 |
| Noninterest expense to average assets | 3.0721% | 2,831 |
| Loan and lease loss provision to assets | 0.4628% | 617 |
| Net operating income to assets | 0.3295% | 5,411 |
| Return on assets (ROA) | 0.3295% | 5,523 |
| Pretax return on assets | 0.5113% | 5,172 |
| Return on Equity (ROE) | 1.8883% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.8883% | 4,892 |
| Net charge-offs to loans | 0.8714% | 704 |
| Credit loss provision to net charge-offs | 108.5271% | 2,213 |
| Earnings coverage of net charge-offs (x) | 2.2842% | 4,252 |
| Efficiency ratio | 75.9259% | 2,783 |
| Assets per employee ($millions) | 4.7758% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3784% | 320 |
| Loan loss allowance to noncurrent loans | 53.8739% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 3.2180% | 951 |
| Noncurrent loans to loans | 6.2709% | 310 |
| Net loans and leases to total assets | 47.1203% | 5,377 |
| Net loans and leases to deposits | 56.9638% | 5,210 |
| Net loans and leases to core deposits | 60.5075% | 5,186 |
| Total domestic deposits to total assets | 82.7199% | 4,635 |
| Equity capital to assets | 17.0994% | 388 |
| Core capital (leverage) ratio | 18.2162% | 288 |
| Tier 1 risk-based capital ratio | 28.0639% | 606 |
| Total risk-based capital ratio | 29.3298% | 593 |
| Memoranda: | ||
| Average total assets | $90,752,200 | 4,961 |
| Average earning assets | $81,849,000 | 4,988 |
| Average equity | $15,834,400 | 3,731 |
| Average total loans | $44,409,800 | 5,170 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2916% | 3,034 |
| Cost of funding earning assets | 0.3262% | 5,499 |
| Net interest margin | 3.9653% | 2,058 |
| Noninterest income to average assets | 0.4290% | 4,306 |
| Noninterest expense to average assets | 3.1410% | 2,528 |
| Loan and lease loss provision to assets | 0.1322% | 2,630 |
| Net operating income to assets | 0.4569% | 5,000 |
| Return on assets (ROA) | 0.4569% | 5,137 |
| Pretax return on assets | 0.7272% | 4,587 |
| Return on Equity (ROE) | 2.6056% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.6056% | 4,764 |
| Net charge-offs to loans | 0.4320% | 1,485 |
| Credit loss provision to net charge-offs | 62.5000% | 3,235 |
| Earnings coverage of net charge-offs (x) | 4.0624% | 3,548 |
| Efficiency ratio | 78.5163% | 2,337 |
| Assets per employee ($millions) | 4.7507% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1580% | 471 |
| Loan loss allowance to noncurrent loans | 56.2076% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 2.9359% | 1,264 |
| Noncurrent loans to loans | 5.6185% | 477 |
| Net loans and leases to total assets | 47.8347% | 5,362 |
| Net loans and leases to deposits | 58.1211% | 5,177 |
| Net loans and leases to core deposits | 61.5899% | 5,162 |
| Total domestic deposits to total assets | 82.3017% | 4,830 |
| Equity capital to assets | 17.4191% | 371 |
| Core capital (leverage) ratio | 18.4207% | 269 |
| Tier 1 risk-based capital ratio | 28.3626% | 603 |
| Total risk-based capital ratio | 29.6272% | 588 |
| Memoranda: | ||
| Average total assets | $90,755,250 | 5,014 |
| Average earning assets | $81,739,500 | 5,033 |
| Average equity | $15,914,000 | 3,758 |
| Average total loans | $44,449,250 | 5,225 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 3,033 |
| Cost of funding earning assets | 0.3327% | 5,542 |
| Net interest margin | 3.9485% | 2,050 |
| Noninterest income to average assets | 0.3828% | 4,649 |
| Noninterest expense to average assets | 3.2138% | 2,315 |
| Loan and lease loss provision to assets | 0.1320% | 2,667 |
| Net operating income to assets | 0.3718% | 5,324 |
| Return on assets (ROA) | 0.3718% | 5,497 |
| Pretax return on assets | 0.5873% | 5,066 |
| Return on Equity (ROE) | 2.1155% | 5,912 |
| Retained earnings to average equity (ytd only) | 2.1155% | 4,921 |
| Net charge-offs to loans | 0.5630% | 1,172 |
| Credit loss provision to net charge-offs | 48.0000% | 3,255 |
| Earnings coverage of net charge-offs (x) | 2.6160% | 3,650 |
| Efficiency ratio | 81.7114% | 1,927 |
| Assets per employee ($millions) | 4.2299% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1402% | 503 |
| Loan loss allowance to noncurrent loans | 80.4260% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 2.1187% | 2,037 |
| Noncurrent loans to loans | 3.9044% | 1,014 |
| Net loans and leases to total assets | 48.5112% | 5,281 |
| Net loans and leases to deposits | 59.0765% | 5,063 |
| Net loans and leases to core deposits | 62.8717% | 5,022 |
| Total domestic deposits to total assets | 82.1158% | 5,019 |
| Equity capital to assets | 17.4936% | 367 |
| Core capital (leverage) ratio | 18.1211% | 281 |
| Tier 1 risk-based capital ratio | 28.0912% | 621 |
| Total risk-based capital ratio | 29.3564% | 616 |
| Memoranda: | ||
| Average total assets | $90,919,330 | 5,037 |
| Average earning assets | $81,751,670 | 5,060 |
| Average equity | $15,977,670 | 3,774 |
| Average total loans | $44,404,000 | 5,248 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 3,258 |
| Cost of funding earning assets | 0.3551% | 5,481 |
| Net interest margin | 3.8571% | 2,255 |
| Noninterest income to average assets | 0.6872% | 2,665 |
| Noninterest expense to average assets | 2.9794% | 3,053 |
| Loan and lease loss provision to assets | 0.1305% | 2,614 |
| Net operating income to assets | 0.6046% | 4,189 |
| Return on assets (ROA) | 0.6046% | 4,348 |
| Pretax return on assets | 0.9786% | 3,445 |
| Return on Equity (ROE) | 3.4327% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.4327% | 4,192 |
| Net charge-offs to loans | 0.0180% | 3,795 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 304 |
| Efficiency ratio | 72.8723% | 3,462 |
| Assets per employee ($millions) | 4.8584% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4480% | 441 |
| Loan loss allowance to noncurrent loans | 63.2428% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 3.0701% | 1,446 |
| Noncurrent loans to loans | 5.4521% | 667 |
| Net loans and leases to total assets | 45.1993% | 5,525 |
| Net loans and leases to deposits | 55.1243% | 5,337 |
| Net loans and leases to core deposits | 58.2593% | 5,324 |
| Total domestic deposits to total assets | 81.9953% | 5,189 |
| Equity capital to assets | 17.6039% | 359 |
| Core capital (leverage) ratio | 18.1240% | 276 |
| Tier 1 risk-based capital ratio | 28.2527% | 628 |
| Total risk-based capital ratio | 29.5188% | 616 |
| Memoranda: | ||
| Average total assets | $91,965,500 | 5,053 |
| Average earning assets | $81,096,500 | 5,121 |
| Average equity | $16,197,000 | 3,786 |
| Average total loans | $44,362,000 | 5,287 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 3,119 |
| Cost of funding earning assets | 0.4487% | 5,589 |
| Net interest margin | 4.1224% | 1,913 |
| Noninterest income to average assets | 0.6076% | 3,240 |
| Noninterest expense to average assets | 3.0068% | 3,245 |
| Loan and lease loss provision to assets | 0.9056% | 496 |
| Net operating income to assets | 0.2063% | 5,769 |
| Return on assets (ROA) | 0.2063% | 5,949 |
| Pretax return on assets | 0.3599% | 5,682 |
| Return on Equity (ROE) | 1.1389% | 6,106 |
| Retained earnings to average equity (ytd only) | 1.0440% | 5,353 |
| Net charge-offs to loans | 0.8369% | 1,384 |
| Credit loss provision to net charge-offs | 205.7292% | 1,246 |
| Earnings coverage of net charge-offs (x) | 2.8750% | 3,999 |
| Efficiency ratio | 70.3783% | 3,736 |
| Assets per employee ($millions) | 4.8222% | 2,461 |
| Cash dividends to net income (ytd only)* | 8.3333% | 4,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2124% | 545 |
| Loan loss allowance to noncurrent loans | 60.7143% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.1499% | 1,481 |
| Noncurrent loans to loans | 5.2910% | 720 |
| Net loans and leases to total assets | 48.0769% | 5,409 |
| Net loans and leases to deposits | 58.4910% | 5,186 |
| Net loans and leases to core deposits | 61.8206% | 5,170 |
| Total domestic deposits to total assets | 82.1953% | 5,032 |
| Equity capital to assets | 17.6202% | 354 |
| Core capital (leverage) ratio | 18.1370% | 273 |
| Tier 1 risk-based capital ratio | 27.3576% | 668 |
| Total risk-based capital ratio | 28.6232% | 652 |
| Memoranda: | ||
| Average total assets | $87,235,600 | 5,157 |
| Average earning assets | $77,552,000 | 5,202 |
| Average equity | $15,805,000 | 3,809 |
| Average total loans | $45,883,200 | 5,255 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 3,217 |
| Cost of funding earning assets | 0.4697% | 5,642 |
| Net interest margin | 4.1267% | 1,996 |
| Noninterest income to average assets | 0.4071% | 4,581 |
| Noninterest expense to average assets | 3.0276% | 3,141 |
| Loan and lease loss provision to assets | 1.2228% | 294 |
| Net operating income to assets | -0.1579% | 6,458 |
| Return on assets (ROA) | -0.1579% | 6,538 |
| Pretax return on assets | -0.1579% | 6,519 |
| Return on Equity (ROE) | -0.8651% | 6,492 |
| Retained earnings to average equity (ytd only) | -0.9924% | 6,271 |
| Net charge-offs to loans | 1.3195% | 709 |
| Credit loss provision to net charge-offs | 173.6264% | 1,606 |
| Earnings coverage of net charge-offs (x) | 1.5121% | 4,528 |
| Efficiency ratio | 73.9788% | 2,988 |
| Assets per employee ($millions) | 4.6234% | 2,714 |
| Cash dividends to net income (ytd only)* | -14.7059% | 7,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9618% | 749 |
| Loan loss allowance to noncurrent loans | 70.6809% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.7845% | 1,890 |
| Noncurrent loans to loans | 4.1904% | 1,184 |
| Net loans and leases to total assets | 51.8806% | 5,065 |
| Net loans and leases to deposits | 63.6900% | 4,756 |
| Net loans and leases to core deposits | 67.5360% | 4,773 |
| Total domestic deposits to total assets | 81.4580% | 5,204 |
| Equity capital to assets | 18.0900% | 355 |
| Core capital (leverage) ratio | 18.4508% | 276 |
| Tier 1 risk-based capital ratio | 26.8358% | 754 |
| Total risk-based capital ratio | 28.0993% | 737 |
| Memoranda: | ||
| Average total assets | $86,139,000 | 5,235 |
| Average earning assets | $76,928,250 | 5,270 |
| Average equity | $15,720,250 | 3,857 |
| Average total loans | $45,976,250 | 5,309 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 3,588 |
| Cost of funding earning assets | 0.4871% | 5,707 |
| Net interest margin | 4.0573% | 2,258 |
| Noninterest income to average assets | 0.3693% | 4,879 |
| Noninterest expense to average assets | 3.0454% | 3,110 |
| Loan and lease loss provision to assets | 1.8464% | 169 |
| Net operating income to assets | -0.8624% | 6,874 |
| Return on assets (ROA) | -0.8624% | 6,900 |
| Pretax return on assets | -0.8624% | 6,866 |
| Return on Equity (ROE) | -4.7116% | 6,759 |
| Retained earnings to average equity (ytd only) | -4.7116% | 6,602 |
| Net charge-offs to loans | 1.0296% | 1,067 |
| Credit loss provision to net charge-offs | 336.1702% | 872 |
| Earnings coverage of net charge-offs (x) | 1.7915% | 4,082 |
| Efficiency ratio | 75.5800% | 2,813 |
| Assets per employee ($millions) | 4.1110% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4554% | 507 |
| Loan loss allowance to noncurrent loans | 98.4117% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 2.4498% | 2,277 |
| Noncurrent loans to loans | 3.5111% | 1,630 |
| Net loans and leases to total assets | 52.1383% | 5,078 |
| Net loans and leases to deposits | 64.0531% | 4,760 |
| Net loans and leases to core deposits | 67.5673% | 4,842 |
| Total domestic deposits to total assets | 81.3986% | 5,335 |
| Equity capital to assets | 18.1207% | 332 |
| Core capital (leverage) ratio | 18.1418% | 285 |
| Tier 1 risk-based capital ratio | 27.0865% | 719 |
| Total risk-based capital ratio | 28.3564% | 702 |
| Memoranda: | ||
| Average total assets | $85,570,670 | 5,287 |
| Average earning assets | $77,194,670 | 5,294 |
| Average equity | $15,663,330 | 3,858 |
| Average total loans | $45,646,670 | 5,356 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 3,711 |
| Cost of funding earning assets | 0.5022% | 5,804 |
| Net interest margin | 4.0489% | 2,306 |
| Noninterest income to average assets | 0.2395% | 5,913 |
| Noninterest expense to average assets | 2.9769% | 3,345 |
| Loan and lease loss provision to assets | 3.7094% | 39 |
| Net operating income to assets | -2.7750% | 7,210 |
| Return on assets (ROA) | -2.7750% | 7,211 |
| Pretax return on assets | -2.7750% | 7,197 |
| Return on Equity (ROE) | -15.0833% | 7,067 |
| Retained earnings to average equity (ytd only) | -15.0833% | 6,974 |
| Net charge-offs to loans | 2.1790% | 409 |
| Credit loss provision to net charge-offs | 321.1382% | 931 |
| Earnings coverage of net charge-offs (x) | 0.8089% | 3,933 |
| Efficiency ratio | 76.1104% | 2,771 |
| Assets per employee ($millions) | 4.6154% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5855% | 504 |
| Loan loss allowance to noncurrent loans | 173.7242% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 3,456 |
| Noncurrent loans to loans | 2.0639% | 3,072 |
| Net loans and leases to total assets | 49.0626% | 5,424 |
| Net loans and leases to deposits | 59.7564% | 5,179 |
| Net loans and leases to core deposits | 63.0832% | 5,213 |
| Total domestic deposits to total assets | 82.1044% | 5,262 |
| Equity capital to assets | 17.5101% | 378 |
| Core capital (leverage) ratio | 18.0861% | 292 |
| Tier 1 risk-based capital ratio | 27.3758% | 696 |
| Total risk-based capital ratio | 28.6457% | 674 |
| Memoranda: | ||
| Average total assets | $85,190,000 | 5,333 |
| Average earning assets | $77,256,000 | 5,320 |
| Average equity | $15,673,000 | 3,865 |
| Average total loans | $45,158,500 | 5,408 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 3,121 |
| Cost of funding earning assets | 0.6487% | 5,835 |
| Net interest margin | 4.2985% | 1,700 |
| Noninterest income to average assets | 0.7572% | 2,300 |
| Noninterest expense to average assets | 3.1362% | 3,080 |
| Loan and lease loss provision to assets | 0.2687% | 3,528 |
| Net operating income to assets | 0.7963% | 3,054 |
| Return on assets (ROA) | 0.7963% | 3,220 |
| Pretax return on assets | 1.1394% | 2,696 |
| Return on Equity (ROE) | 4.1873% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.1873% | 3,201 |
| Net charge-offs to loans | 0.2057% | 4,513 |
| Credit loss provision to net charge-offs | 236.5591% | 1,029 |
| Earnings coverage of net charge-offs (x) | 12.3978% | 1,627 |
| Efficiency ratio | 69.0137% | 4,146 |
| Assets per employee ($millions) | 4.3520% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3111% | 1,604 |
| Loan loss allowance to noncurrent loans | 89.6435% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 2.1067% | 2,842 |
| Noncurrent loans to loans | 2.5781% | 2,547 |
| Net loans and leases to total assets | 53.9824% | 5,040 |
| Net loans and leases to deposits | 67.0789% | 4,570 |
| Net loans and leases to core deposits | 71.4032% | 4,606 |
| Total domestic deposits to total assets | 80.4760% | 5,600 |
| Equity capital to assets | 19.3390% | 265 |
| Core capital (leverage) ratio | 19.0607% | 241 |
| Tier 1 risk-based capital ratio | 28.2871% | 604 |
| Total risk-based capital ratio | 29.5453% | 598 |
| Memoranda: | ||
| Average total assets | $81,883,200 | 5,410 |
| Average earning assets | $72,142,000 | 5,467 |
| Average equity | $15,570,800 | 3,798 |
| Average total loans | $45,202,400 | 5,460 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0147% | 3,014 |
| Cost of funding earning assets | 0.6805% | 5,874 |
| Net interest margin | 4.3342% | 1,603 |
| Noninterest income to average assets | 0.6513% | 2,869 |
| Noninterest expense to average assets | 3.1552% | 2,976 |
| Loan and lease loss provision to assets | 0.1469% | 4,612 |
| Net operating income to assets | 0.6839% | 3,695 |
| Return on assets (ROA) | 0.6839% | 3,867 |
| Pretax return on assets | 1.1230% | 2,916 |
| Return on Equity (ROE) | 3.6122% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.6122% | 4,179 |
| Net charge-offs to loans | 0.0858% | 5,111 |
| Credit loss provision to net charge-offs | 310.3448% | 912 |
| Earnings coverage of net charge-offs (x) | 26.8247% | 1,008 |
| Efficiency ratio | 71.3021% | 3,689 |
| Assets per employee ($millions) | 4.4472% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1905% | 1,883 |
| Loan loss allowance to noncurrent loans | 45.5172% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 3.2415% | 1,967 |
| Noncurrent loans to loans | 4.8124% | 1,337 |
| Net loans and leases to total assets | 52.3167% | 5,409 |
| Net loans and leases to deposits | 64.7773% | 5,078 |
| Net loans and leases to core deposits | 68.5407% | 5,117 |
| Total domestic deposits to total assets | 80.7638% | 5,510 |
| Equity capital to assets | 18.6515% | 338 |
| Core capital (leverage) ratio | 19.2859% | 249 |
| Tier 1 risk-based capital ratio | 27.5846% | 690 |
| Total risk-based capital ratio | 28.8402% | 676 |
| Memoranda: | ||
| Average total assets | $81,682,000 | 5,450 |
| Average earning assets | $71,122,750 | 5,545 |
| Average equity | $15,465,750 | 3,830 |
| Average total loans | $45,079,750 | 5,512 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 3,215 |
| Cost of funding earning assets | 0.7194% | 5,835 |
| Net interest margin | 4.2684% | 1,770 |
| Noninterest income to average assets | 0.6564% | 2,787 |
| Noninterest expense to average assets | 3.2052% | 2,879 |
| Loan and lease loss provision to assets | 0.1486% | 4,452 |
| Net operating income to assets | 0.6415% | 3,846 |
| Return on assets (ROA) | 0.6415% | 3,969 |
| Pretax return on assets | 1.0502% | 3,041 |
| Return on Equity (ROE) | 3.3707% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.3707% | 4,115 |
| Net charge-offs to loans | 0.0710% | 4,929 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 30.2500% | 915 |
| Efficiency ratio | 72.7784% | 3,585 |
| Assets per employee ($millions) | 4.0961% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 1,993 |
| Loan loss allowance to noncurrent loans | 53.0534% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.0187% | 2,225 |
| Noncurrent loans to loans | 4.0772% | 1,690 |
| Net loans and leases to total assets | 53.7206% | 5,333 |
| Net loans and leases to deposits | 66.8881% | 4,873 |
| Net loans and leases to core deposits | 70.1674% | 5,053 |
| Total domestic deposits to total assets | 80.3142% | 5,735 |
| Equity capital to assets | 19.0547% | 316 |
| Core capital (leverage) ratio | 19.0582% | 273 |
| Tier 1 risk-based capital ratio | 27.9513% | 658 |
| Total risk-based capital ratio | 29.2080% | 648 |
| Memoranda: | ||
| Average total assets | $80,743,670 | 5,529 |
| Average earning assets | $70,893,670 | 5,599 |
| Average equity | $15,367,670 | 3,845 |
| Average total loans | $45,041,000 | 5,557 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 3,002 |
| Cost of funding earning assets | 0.7467% | 5,884 |
| Net interest margin | 4.2750% | 1,647 |
| Noninterest income to average assets | 0.7286% | 2,399 |
| Noninterest expense to average assets | 3.0990% | 3,248 |
| Loan and lease loss provision to assets | 0.1497% | 4,147 |
| Net operating income to assets | 0.7436% | 3,308 |
| Return on assets (ROA) | 0.7436% | 3,374 |
| Pretax return on assets | 1.2226% | 2,302 |
| Return on Equity (ROE) | 3.9091% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.9091% | 3,824 |
| Net charge-offs to loans | 0.1686% | 3,467 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 14.4737% | 1,366 |
| Efficiency ratio | 69.3080% | 4,416 |
| Assets per employee ($millions) | 4.3242% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1188% | 2,143 |
| Loan loss allowance to noncurrent loans | 92.7022% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 2.0728% | 3,230 |
| Noncurrent loans to loans | 2.2856% | 3,214 |
| Net loans and leases to total assets | 52.8542% | 5,476 |
| Net loans and leases to deposits | 65.2409% | 5,085 |
| Net loans and leases to core deposits | 68.1262% | 5,272 |
| Total domestic deposits to total assets | 81.0139% | 5,648 |
| Equity capital to assets | 18.6417% | 324 |
| Core capital (leverage) ratio | 19.2222% | 261 |
| Tier 1 risk-based capital ratio | 27.9554% | 638 |
| Total risk-based capital ratio | 29.2103% | 627 |
| Memoranda: | ||
| Average total assets | $80,154,500 | 5,588 |
| Average earning assets | $70,175,000 | 5,660 |
| Average equity | $15,246,500 | 3,854 |
| Average total loans | $45,070,500 | 5,604 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1569% | 3,815 |
| Cost of funding earning assets | 0.9215% | 6,072 |
| Net interest margin | 4.2354% | 2,042 |
| Noninterest income to average assets | 0.9199% | 1,778 |
| Noninterest expense to average assets | 3.2712% | 2,827 |
| Loan and lease loss provision to assets | 1.5568% | 941 |
| Net operating income to assets | -0.0543% | 5,935 |
| Return on assets (ROA) | -0.0543% | 6,016 |
| Pretax return on assets | -0.0543% | 5,958 |
| Return on Equity (ROE) | -0.2706% | 5,998 |
| Retained earnings to average equity (ytd only) | -0.2706% | 5,664 |
| Net charge-offs to loans | 2.8118% | 623 |
| Credit loss provision to net charge-offs | 93.6286% | 4,963 |
| Earnings coverage of net charge-offs (x) | 0.9037% | 5,210 |
| Efficiency ratio | 68.5250% | 4,452 |
| Assets per employee ($millions) | 4.1131% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 2,228 |
| Loan loss allowance to noncurrent loans | 53.1769% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.1210% | 2,265 |
| Noncurrent loans to loans | 3.8164% | 1,932 |
| Net loans and leases to total assets | 57.3865% | 5,129 |
| Net loans and leases to deposits | 71.4045% | 4,624 |
| Net loans and leases to core deposits | 74.3066% | 4,940 |
| Total domestic deposits to total assets | 80.3683% | 5,729 |
| Equity capital to assets | 19.4206% | 293 |
| Core capital (leverage) ratio | 19.4182% | 267 |
| Tier 1 risk-based capital ratio | 27.4982% | 648 |
| Total risk-based capital ratio | 28.7536% | 633 |
| Memoranda: | ||
| Average total assets | $77,402,800 | 5,665 |
| Average earning assets | $70,429,600 | 5,653 |
| Average equity | $15,520,000 | 3,861 |
| Average total loans | $45,771,200 | 5,660 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 3,830 |
| Cost of funding earning assets | 0.9547% | 6,150 |
| Net interest margin | 4.2453% | 2,049 |
| Noninterest income to average assets | 0.9083% | 1,768 |
| Noninterest expense to average assets | 3.2911% | 2,598 |
| Loan and lease loss provision to assets | 0.1554% | 5,485 |
| Net operating income to assets | 0.8202% | 2,917 |
| Return on assets (ROA) | 0.8202% | 3,062 |
| Pretax return on assets | 1.3468% | 2,041 |
| Return on Equity (ROE) | 4.0582% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.0582% | 3,618 |
| Net charge-offs to loans | 0.5418% | 3,133 |
| Credit loss provision to net charge-offs | 48.3871% | 5,910 |
| Earnings coverage of net charge-offs (x) | 4.6775% | 2,954 |
| Efficiency ratio | 68.6599% | 4,345 |
| Assets per employee ($millions) | 4.1888% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9650% | 2,308 |
| Loan loss allowance to noncurrent loans | 33.2244% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 4.2670% | 1,602 |
| Noncurrent loans to loans | 5.9144% | 1,073 |
| Net loans and leases to total assets | 57.3566% | 5,359 |
| Net loans and leases to deposits | 72.1358% | 4,821 |
| Net loans and leases to core deposits | 75.0670% | 5,171 |
| Total domestic deposits to total assets | 79.5120% | 5,861 |
| Equity capital to assets | 19.9389% | 291 |
| Core capital (leverage) ratio | 20.1991% | 242 |
| Tier 1 risk-based capital ratio | 27.9452% | 633 |
| Total risk-based capital ratio | 29.2005% | 611 |
| Memoranda: | ||
| Average total assets | $77,216,250 | 5,743 |
| Average earning assets | $70,664,250 | 5,716 |
| Average equity | $15,605,750 | 3,878 |
| Average total loans | $45,770,000 | 5,748 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 3,626 |
| Cost of funding earning assets | 0.9868% | 6,211 |
| Net interest margin | 4.2771% | 1,863 |
| Noninterest income to average assets | 0.8505% | 1,881 |
| Noninterest expense to average assets | 3.3575% | 2,380 |
| Loan and lease loss provision to assets | 0.1570% | 5,325 |
| Net operating income to assets | 0.7798% | 3,066 |
| Return on assets (ROA) | 0.7798% | 3,210 |
| Pretax return on assets | 1.2718% | 2,181 |
| Return on Equity (ROE) | 3.8407% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.8407% | 3,645 |
| Net charge-offs to loans | 0.0835% | 5,306 |
| Credit loss provision to net charge-offs | 315.7895% | 1,157 |
| Earnings coverage of net charge-offs (x) | 28.7368% | 945 |
| Efficiency ratio | 70.1476% | 4,165 |
| Assets per employee ($millions) | 3.8260% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2519% | 1,666 |
| Loan loss allowance to noncurrent loans | 39.9544% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 3.7912% | 1,838 |
| Noncurrent loans to loans | 5.6362% | 1,164 |
| Net loans and leases to total assets | 59.6767% | 5,127 |
| Net loans and leases to deposits | 75.9295% | 4,351 |
| Net loans and leases to core deposits | 77.8174% | 4,982 |
| Total domestic deposits to total assets | 78.5949% | 6,132 |
| Equity capital to assets | 20.5465% | 259 |
| Core capital (leverage) ratio | 20.3806% | 225 |
| Tier 1 risk-based capital ratio | 28.3318% | 603 |
| Total risk-based capital ratio | 29.5899% | 593 |
| Memoranda: | ||
| Average total assets | $76,425,670 | 5,790 |
| Average earning assets | $70,328,330 | 5,758 |
| Average equity | $15,518,000 | 3,888 |
| Average total loans | $45,505,330 | 5,791 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 4,118 |
| Cost of funding earning assets | 1.0140% | 6,306 |
| Net interest margin | 4.1692% | 2,159 |
| Noninterest income to average assets | 0.8589% | 1,778 |
| Noninterest expense to average assets | 3.3150% | 2,477 |
| Loan and lease loss provision to assets | 0.1571% | 4,961 |
| Net operating income to assets | 0.7594% | 3,163 |
| Return on assets (ROA) | 0.7594% | 3,273 |
| Pretax return on assets | 1.2412% | 2,233 |
| Return on Equity (ROE) | 3.7623% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.7623% | 3,895 |
| Net charge-offs to loans | 0.2584% | 3,387 |
| Credit loss provision to net charge-offs | 103.4483% | 3,303 |
| Earnings coverage of net charge-offs (x) | 9.2069% | 1,885 |
| Efficiency ratio | 70.3333% | 4,240 |
| Assets per employee ($millions) | 4.0302% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2700% | 1,625 |
| Loan loss allowance to noncurrent loans | 40.4800% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 3.6253% | 1,933 |
| Noncurrent loans to loans | 5.6076% | 1,234 |
| Net loans and leases to total assets | 56.9000% | 5,626 |
| Net loans and leases to deposits | 71.8645% | 5,070 |
| Net loans and leases to core deposits | 73.6303% | 5,529 |
| Total domestic deposits to total assets | 79.1767% | 6,035 |
| Equity capital to assets | 20.2003% | 279 |
| Core capital (leverage) ratio | 20.3656% | 234 |
| Tier 1 risk-based capital ratio | 28.6246% | 594 |
| Total risk-based capital ratio | 29.8824% | 586 |
| Memoranda: | ||
| Average total assets | $76,379,000 | 5,867 |
| Average earning assets | $70,612,500 | 5,829 |
| Average equity | $15,416,000 | 3,943 |
| Average total loans | $44,900,000 | 5,889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 3,976 |
| Cost of funding earning assets | 1.2326% | 6,538 |
| Net interest margin | 4.3008% | 1,717 |
| Noninterest income to average assets | 1.0839% | 1,312 |
| Noninterest expense to average assets | 3.3104% | 2,980 |
| Loan and lease loss provision to assets | 0.3200% | 4,898 |
| Net operating income to assets | 0.6879% | 2,985 |
| Return on assets (ROA) | 0.6879% | 3,047 |
| Pretax return on assets | 1.3706% | 1,500 |
| Return on Equity (ROE) | 3.3496% | 4,361 |
| Retained earnings to average equity (ytd only) | 0.7530% | 4,486 |
| Net charge-offs to loans | 0.7111% | 3,051 |
| Credit loss provision to net charge-offs | 77.4194% | 6,349 |
| Earnings coverage of net charge-offs (x) | 4.0903% | 3,071 |
| Efficiency ratio | 66.1957% | 5,360 |
| Assets per employee ($millions) | 4.0097% | 3,799 |
| Cash dividends to net income (ytd only)* | 77.5194% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,583 |
| Loan loss allowance to noncurrent loans | 42.8027% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 3.3537% | 2,031 |
| Noncurrent loans to loans | 5.2236% | 1,264 |
| Net loans and leases to total assets | 58.0259% | 5,661 |
| Net loans and leases to deposits | 73.0308% | 5,186 |
| Net loans and leases to core deposits | 82.5219% | 5,871 |
| Total domestic deposits to total assets | 79.4540% | 5,861 |
| Equity capital to assets | 20.1667% | 286 |
| Core capital (leverage) ratio | 20.1455% | 268 |
| Tier 1 risk-based capital ratio | 19.6156% | 1,541 |
| Total risk-based capital ratio | 20.8662% | 1,498 |
| Memoranda: | ||
| Average total assets | $75,006,200 | 5,871 |
| Average earning assets | $68,312,800 | 5,856 |
| Average equity | $15,405,000 | 3,991 |
| Average total loans | $43,597,200 | 5,950 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6612% | 3,519 |
| Cost of funding earning assets | 1.2883% | 6,590 |
| Net interest margin | 4.3729% | 1,516 |
| Noninterest income to average assets | 1.0422% | 1,462 |
| Noninterest expense to average assets | 3.3176% | 2,845 |
| Loan and lease loss provision to assets | 0.1606% | 5,742 |
| Net operating income to assets | 0.9173% | 2,352 |
| Return on assets (ROA) | 0.9173% | 2,426 |
| Pretax return on assets | 1.4955% | 1,428 |
| Return on Equity (ROE) | 4.4457% | 4,188 |
| Retained earnings to average equity (ytd only) | 0.9860% | 4,760 |
| Net charge-offs to loans | 0.7717% | 2,429 |
| Credit loss provision to net charge-offs | 36.0000% | 6,463 |
| Earnings coverage of net charge-offs (x) | 3.7119% | 3,409 |
| Efficiency ratio | 66.7025% | 5,245 |
| Assets per employee ($millions) | 3.9880% | 3,757 |
| Cash dividends to net income (ytd only)* | 77.8206% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1305% | 1,543 |
| Loan loss allowance to noncurrent loans | 43.0374% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 3.0790% | 2,229 |
| Noncurrent loans to loans | 4.9503% | 1,350 |
| Net loans and leases to total assets | 55.8372% | 6,162 |
| Net loans and leases to deposits | 70.5679% | 5,837 |
| Net loans and leases to core deposits | 79.9354% | 6,358 |
| Total domestic deposits to total assets | 79.1255% | 5,757 |
| Equity capital to assets | 20.3123% | 318 |
| Core capital (leverage) ratio | 20.3908% | 290 |
| Tier 1 risk-based capital ratio | 19.4827% | 1,650 |
| Total risk-based capital ratio | 20.6550% | 1,626 |
| Memoranda: | ||
| Average total assets | $74,711,500 | 5,918 |
| Average earning assets | $67,169,000 | 5,930 |
| Average equity | $15,415,250 | 4,020 |
| Average total loans | $43,192,000 | 6,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7881% | 3,106 |
| Cost of funding earning assets | 1.3483% | 6,655 |
| Net interest margin | 4.4397% | 1,313 |
| Noninterest income to average assets | 1.0355% | 1,481 |
| Noninterest expense to average assets | 3.3702% | 2,723 |
| Loan and lease loss provision to assets | 0.1614% | 5,453 |
| Net operating income to assets | 0.8822% | 2,526 |
| Return on assets (ROA) | 0.8822% | 2,631 |
| Pretax return on assets | 1.4363% | 1,632 |
| Return on Equity (ROE) | 4.2533% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.2533% | 2,939 |
| Net charge-offs to loans | 1.7786% | 1,065 |
| Credit loss provision to net charge-offs | 15.6250% | 6,158 |
| Earnings coverage of net charge-offs (x) | 1.5469% | 4,378 |
| Efficiency ratio | 67.8397% | 5,184 |
| Assets per employee ($millions) | 3.3858% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 2,139 |
| Loan loss allowance to noncurrent loans | 67.7102% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7600% | 3,537 |
| Noncurrent loans to loans | 2.6066% | 2,780 |
| Net loans and leases to total assets | 56.5656% | 6,148 |
| Net loans and leases to deposits | 72.2537% | 5,702 |
| Net loans and leases to core deposits | 80.4130% | 6,371 |
| Total domestic deposits to total assets | 78.2875% | 6,003 |
| Equity capital to assets | 20.8963% | 335 |
| Core capital (leverage) ratio | 20.6803% | 329 |
| Tier 1 risk-based capital ratio | 20.2664% | 1,523 |
| Total risk-based capital ratio | 21.2548% | 1,543 |
| Memoranda: | ||
| Average total assets | $74,358,000 | 5,969 |
| Average earning assets | $65,859,670 | 6,012 |
| Average equity | $15,423,330 | 4,032 |
| Average total loans | $43,179,330 | 6,057 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0472% | 2,166 |
| Cost of funding earning assets | 1.4569% | 6,554 |
| Net interest margin | 4.5903% | 954 |
| Noninterest income to average assets | 0.7107% | 2,819 |
| Noninterest expense to average assets | 3.1981% | 2,994 |
| Loan and lease loss provision to assets | 0.1615% | 4,870 |
| Net operating income to assets | 0.7968% | 3,147 |
| Return on assets (ROA) | 0.7968% | 3,305 |
| Pretax return on assets | 1.2868% | 2,326 |
| Return on Equity (ROE) | 3.8560% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.8560% | 3,746 |
| Net charge-offs to loans | 1.5142% | 956 |
| Credit loss provision to net charge-offs | 18.2927% | 5,091 |
| Earnings coverage of net charge-offs (x) | 1.6402% | 3,911 |
| Efficiency ratio | 68.8297% | 4,812 |
| Assets per employee ($millions) | 3.9921% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 1,072 |
| Loan loss allowance to noncurrent loans | 53.1425% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.3494% | 2,441 |
| Noncurrent loans to loans | 4.1558% | 1,436 |
| Net loans and leases to total assets | 55.2841% | 6,331 |
| Net loans and leases to deposits | 69.9233% | 5,986 |
| Net loans and leases to core deposits | 77.0941% | 6,602 |
| Total domestic deposits to total assets | 79.0639% | 5,698 |
| Equity capital to assets | 20.3098% | 399 |
| Core capital (leverage) ratio | 20.8076% | 362 |
| Tier 1 risk-based capital ratio | 19.6264% | 1,691 |
| Total risk-based capital ratio | 20.8380% | 1,652 |
| Memoranda: | ||
| Average total assets | $74,293,500 | 5,993 |
| Average earning assets | $63,699,000 | 6,120 |
| Average equity | $15,352,500 | 4,073 |
| Average total loans | $43,323,500 | 6,080 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4137% | 3,343 |
| Cost of funding earning assets | 1.8355% | 6,911 |
| Net interest margin | 4.5782% | 1,236 |
| Noninterest income to average assets | 0.9322% | 1,846 |
| Noninterest expense to average assets | 3.0927% | 3,722 |
| Loan and lease loss provision to assets | 0.1157% | 5,896 |
| Net operating income to assets | 1.1677% | 1,884 |
| Return on assets (ROA) | 1.1677% | 1,809 |
| Pretax return on assets | 1.9140% | 743 |
| Return on Equity (ROE) | 5.6208% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.3067% | 3,769 |
| Net charge-offs to loans | 0.0481% | 6,102 |
| Credit loss provision to net charge-offs | 420.0000% | 1,037 |
| Earnings coverage of net charge-offs (x) | 73.7000% | 554 |
| Efficiency ratio | 60.3763% | 6,279 |
| Assets per employee ($millions) | 3.8283% | 3,909 |
| Cash dividends to net income (ytd only)* | 58.9623% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4699% | 706 |
| Loan loss allowance to noncurrent loans | 42.0132% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 3.5374% | 1,255 |
| Noncurrent loans to loans | 5.8789% | 628 |
| Net loans and leases to total assets | 58.6854% | 6,105 |
| Net loans and leases to deposits | 74.6676% | 5,775 |
| Net loans and leases to core deposits | 83.3923% | 6,352 |
| Total domestic deposits to total assets | 78.5955% | 5,515 |
| Equity capital to assets | 21.0347% | 398 |
| Core capital (leverage) ratio | 20.9368% | 379 |
| Tier 1 risk-based capital ratio | 20.2771% | 1,576 |
| Total risk-based capital ratio | 21.5290% | 1,540 |
| Memoranda: | ||
| Average total assets | $72,623,000 | 5,945 |
| Average earning assets | $66,466,800 | 5,954 |
| Average equity | $15,086,800 | 4,123 |
| Average total loans | $41,584,400 | 6,094 |