Home > Sherwood Community Bank > Performance and Condition Ratios
Sherwood Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2760% | 2,569 |
| Cost of funding earning assets | 1.5208% | 3,150 |
| Net interest margin | 3.7552% | 1,777 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 3.3642% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4642% | 3,633 |
| Return on assets (ROA) | 0.4642% | 3,651 |
| Pretax return on assets | 0.4642% | 3,763 |
| Return on Equity (ROE) | 7.2900% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.2914% | 1,899 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 87.8745% | 576 |
| Assets per employee ($millions) | 3.9010% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,375 |
| Loan loss allowance to noncurrent loans | 92.6004% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 1,169 |
| Noncurrent loans to loans | 1.0466% | 1,016 |
| Net loans and leases to total assets | 60.3800% | 2,840 |
| Net loans and leases to deposits | 66.0361% | 3,132 |
| Net loans and leases to core deposits | 69.3687% | 3,323 |
| Total domestic deposits to total assets | 91.4400% | 410 |
| Equity capital to assets | 6.4423% | 4,165 |
| Core capital (leverage) ratio | 8.3126% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2175% | 1,777 |
| Memoranda: | ||
| Average total assets | $73,241,000 | 4,012 |
| Average earning assets | $68,385,000 | 3,989 |
| Average equity | $4,663,000 | 4,266 |
| Average total loans | $44,617,000 | 3,894 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5069% | 2,121 |
| Cost of funding earning assets | 2.1290% | 1,914 |
| Net interest margin | 3.3779% | 2,330 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 3.0702% | 1,038 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.3654% | 3,737 |
| Return on assets (ROA) | 0.3654% | 3,768 |
| Pretax return on assets | 0.3654% | 3,847 |
| Return on Equity (ROE) | 6.6300% | 3,117 |
| Retained earnings to average equity (ytd only) | 3.1276% | 2,991 |
| Net charge-offs to loans | 0.0164% | 2,317 |
| Credit loss provision to net charge-offs | 162.5000% | 1,326 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 1,385 |
| Efficiency ratio | 88.6989% | 560 |
| Assets per employee ($millions) | 3.8086% | 4,142 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,265 |
| Loan loss allowance to noncurrent loans | 91.2500% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 1,095 |
| Noncurrent loans to loans | 1.0899% | 926 |
| Net loans and leases to total assets | 60.2500% | 2,918 |
| Net loans and leases to deposits | 68.3846% | 3,056 |
| Net loans and leases to core deposits | 73.1185% | 3,202 |
| Total domestic deposits to total assets | 88.1100% | 1,474 |
| Equity capital to assets | 6.2891% | 4,142 |
| Core capital (leverage) ratio | 8.0326% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4064% | 1,715 |
| Memoranda: | ||
| Average total assets | $77,715,800 | 3,975 |
| Average earning assets | $72,382,000 | 3,947 |
| Average equity | $4,284,400 | 4,295 |
| Average total loans | $48,884,800 | 3,831 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4673% | 2,136 |
| Cost of funding earning assets | 2.1492% | 1,856 |
| Net interest margin | 3.3181% | 2,416 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.9667% | 1,157 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.3980% | 3,683 |
| Return on assets (ROA) | 0.3980% | 3,714 |
| Pretax return on assets | 0.3980% | 3,813 |
| Return on Equity (ROE) | 7.4600% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.4603% | 1,585 |
| Net charge-offs to loans | 0.0266% | 1,792 |
| Credit loss provision to net charge-offs | 110.0000% | 1,563 |
| Earnings coverage of net charge-offs (x) | 25.4000% | 1,619 |
| Efficiency ratio | 87.3820% | 642 |
| Assets per employee ($millions) | 4.1184% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 3,758 |
| Loan loss allowance to noncurrent loans | 92.7350% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 1,199 |
| Noncurrent loans to loans | 0.9357% | 1,068 |
| Net loans and leases to total assets | 63.3600% | 2,599 |
| Net loans and leases to deposits | 78.2130% | 2,338 |
| Net loans and leases to core deposits | 82.9111% | 2,636 |
| Total domestic deposits to total assets | 81.0100% | 3,306 |
| Equity capital to assets | 6.1049% | 4,321 |
| Core capital (leverage) ratio | 7.7787% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0694% | 2,218 |
| Memoranda: | ||
| Average total assets | $79,054,000 | 3,980 |
| Average earning assets | $73,574,750 | 3,962 |
| Average equity | $4,217,750 | 4,326 |
| Average total loans | $50,096,000 | 3,821 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4002% | 2,142 |
| Cost of funding earning assets | 2.1525% | 1,761 |
| Net interest margin | 3.2477% | 2,537 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.9676% | 1,144 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.3253% | 3,785 |
| Return on assets (ROA) | 0.3253% | 3,827 |
| Pretax return on assets | 0.3253% | 3,898 |
| Return on Equity (ROE) | 6.4000% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.3999% | 1,867 |
| Net charge-offs to loans | 0.0399% | 1,405 |
| Credit loss provision to net charge-offs | 120.0000% | 1,352 |
| Earnings coverage of net charge-offs (x) | 14.1000% | 1,824 |
| Efficiency ratio | 89.3020% | 592 |
| Assets per employee ($millions) | 4.0988% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 3,758 |
| Loan loss allowance to noncurrent loans | 73.9796% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 868 |
| Noncurrent loans to loans | 1.1870% | 758 |
| Net loans and leases to total assets | 63.0500% | 2,647 |
| Net loans and leases to deposits | 78.3126% | 2,348 |
| Net loans and leases to core deposits | 84.5027% | 2,495 |
| Total domestic deposits to total assets | 80.5100% | 3,360 |
| Equity capital to assets | 5.2903% | 4,336 |
| Core capital (leverage) ratio | 7.5895% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3544% | 2,472 |
| Memoranda: | ||
| Average total assets | $79,322,333 | 3,990 |
| Average earning assets | $73,775,333 | 3,972 |
| Average equity | $4,031,333 | 4,346 |
| Average total loans | $50,123,333 | 3,828 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 2,090 |
| Cost of funding earning assets | 2.1082% | 1,755 |
| Net interest margin | 3.2483% | 2,456 |
| Noninterest income to average assets | 0.2900% | 2,998 |
| Noninterest expense to average assets | 2.8984% | 1,233 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.3798% | 3,665 |
| Return on assets (ROA) | 0.3798% | 3,688 |
| Pretax return on assets | 0.3798% | 3,798 |
| Return on Equity (ROE) | 7.6200% | 2,803 |
| Retained earnings to average equity (ytd only) | 7.6248% | 1,656 |
| Net charge-offs to loans | 0.0793% | 832 |
| Credit loss provision to net charge-offs | 60.0000% | 1,363 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 1,726 |
| Efficiency ratio | 87.6133% | 702 |
| Assets per employee ($millions) | 4.2086% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 3,833 |
| Loan loss allowance to noncurrent loans | 174.3902% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 1,879 |
| Noncurrent loans to loans | 0.4882% | 1,703 |
| Net loans and leases to total assets | 62.4800% | 2,617 |
| Net loans and leases to deposits | 78.7777% | 2,164 |
| Net loans and leases to core deposits | 84.0225% | 2,452 |
| Total domestic deposits to total assets | 79.3200% | 3,630 |
| Equity capital to assets | 4.9723% | 4,377 |
| Core capital (leverage) ratio | 7.4127% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1059% | 2,551 |
| Memoranda: | ||
| Average total assets | $80,044,500 | 4,004 |
| Average earning assets | $74,377,500 | 3,988 |
| Average equity | $3,987,000 | 4,368 |
| Average total loans | $50,416,500 | 3,841 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 2,682 |
| Cost of funding earning assets | 1.0967% | 3,078 |
| Net interest margin | 3.6032% | 1,961 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 3.0866% | 980 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.5663% | 3,523 |
| Return on assets (ROA) | 0.4094% | 3,849 |
| Pretax return on assets | 0.4094% | 3,944 |
| Return on Equity (ROE) | 8.6900% | 2,832 |
| Retained earnings to average equity (ytd only) | 4.4555% | 2,810 |
| Net charge-offs to loans | 0.0113% | 2,225 |
| Credit loss provision to net charge-offs | 480.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 957 |
| Efficiency ratio | 83.7662% | 674 |
| Assets per employee ($millions) | 4.2172% | 4,077 |
| Cash dividends to net income (ytd only)* | 48.7013% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 3,830 |
| Loan loss allowance to noncurrent loans | 137.4603% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 1,414 |
| Noncurrent loans to loans | 0.6245% | 1,261 |
| Net loans and leases to total assets | 62.4100% | 2,642 |
| Net loans and leases to deposits | 81.9747% | 1,949 |
| Net loans and leases to core deposits | 87.5871% | 2,207 |
| Total domestic deposits to total assets | 76.1300% | 3,932 |
| Equity capital to assets | 4.9896% | 4,415 |
| Core capital (leverage) ratio | 7.5795% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5184% | 1,678 |
| Memoranda: | ||
| Average total assets | $75,229,000 | 4,059 |
| Average earning assets | $69,938,000 | 4,036 |
| Average equity | $3,546,200 | 4,386 |
| Average total loans | $44,421,400 | 3,926 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 2,744 |
| Cost of funding earning assets | 0.8581% | 3,379 |
| Net interest margin | 3.7150% | 1,747 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 3.0736% | 964 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6990% | 3,329 |
| Return on assets (ROA) | 0.4864% | 3,795 |
| Pretax return on assets | 0.4864% | 3,926 |
| Return on Equity (ROE) | 10.4900% | 2,504 |
| Retained earnings to average equity (ytd only) | 10.4854% | 1,267 |
| Net charge-offs to loans | 0.0093% | 2,055 |
| Credit loss provision to net charge-offs | 600.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 135.3333% | 785 |
| Efficiency ratio | 80.7765% | 819 |
| Assets per employee ($millions) | 4.0017% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 3,734 |
| Loan loss allowance to noncurrent loans | 110.0000% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 1,137 |
| Noncurrent loans to loans | 0.8183% | 1,007 |
| Net loans and leases to total assets | 62.1200% | 2,644 |
| Net loans and leases to deposits | 76.0711% | 2,404 |
| Net loans and leases to core deposits | 80.6802% | 2,549 |
| Total domestic deposits to total assets | 81.6600% | 3,279 |
| Equity capital to assets | 4.4481% | 4,343 |
| Core capital (leverage) ratio | 8.0156% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3815% | 1,760 |
| Memoranda: | ||
| Average total assets | $74,004,750 | 4,094 |
| Average earning assets | $68,836,500 | 4,068 |
| Average equity | $3,433,250 | 4,411 |
| Average total loans | $42,916,750 | 3,962 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 2,989 |
| Cost of funding earning assets | 0.6313% | 3,678 |
| Net interest margin | 3.7260% | 1,770 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.1365% | 859 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6709% | 3,405 |
| Return on assets (ROA) | 0.3491% | 4,115 |
| Pretax return on assets | 0.3491% | 4,182 |
| Return on Equity (ROE) | 7.4200% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.4196% | 2,156 |
| Net charge-offs to loans | 0.0145% | 1,654 |
| Credit loss provision to net charge-offs | 400.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 1,014 |
| Efficiency ratio | 81.6761% | 731 |
| Assets per employee ($millions) | 3.8704% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,624 |
| Loan loss allowance to noncurrent loans | 1,175.0000% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,289 |
| Noncurrent loans to loans | 0.0809% | 3,110 |
| Net loans and leases to total assets | 59.9600% | 2,771 |
| Net loans and leases to deposits | 71.1800% | 2,702 |
| Net loans and leases to core deposits | 74.1857% | 2,868 |
| Total domestic deposits to total assets | 84.2400% | 2,767 |
| Equity capital to assets | 4.8234% | 4,403 |
| Core capital (leverage) ratio | 8.1207% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6224% | 2,053 |
| Memoranda: | ||
| Average total assets | $73,329,000 | 4,115 |
| Average earning assets | $68,115,333 | 4,096 |
| Average equity | $3,450,333 | 4,440 |
| Average total loans | $41,335,667 | 3,993 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 3,026 |
| Cost of funding earning assets | 0.5125% | 3,647 |
| Net interest margin | 3.6935% | 1,912 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 3.3213% | 674 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4370% | 4,025 |
| Return on assets (ROA) | 0.0656% | 4,429 |
| Pretax return on assets | 0.0656% | 4,424 |
| Return on Equity (ROE) | 1.4100% | 4,350 |
| Retained earnings to average equity (ytd only) | 1.4109% | 3,801 |
| Net charge-offs to loans | 0.0503% | 865 |
| Credit loss provision to net charge-offs | 120.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,503 |
| Efficiency ratio | 87.6081% | 437 |
| Assets per employee ($millions) | 3.6253% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,457 |
| Loan loss allowance to noncurrent loans | 1,537.0370% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,415 |
| Noncurrent loans to loans | 0.0661% | 3,258 |
| Net loans and leases to total assets | 55.7700% | 3,052 |
| Net loans and leases to deposits | 63.8186% | 3,105 |
| Net loans and leases to core deposits | 65.7839% | 3,243 |
| Total domestic deposits to total assets | 87.3900% | 2,138 |
| Equity capital to assets | 4.9141% | 4,430 |
| Core capital (leverage) ratio | 7.8755% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0901% | 2,360 |
| Memoranda: | ||
| Average total assets | $73,224,500 | 4,171 |
| Average earning assets | $67,902,500 | 4,155 |
| Average equity | $3,402,000 | 4,507 |
| Average total loans | $39,744,000 | 4,070 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6965% | 2,532 |
| Cost of funding earning assets | 0.1821% | 3,891 |
| Net interest margin | 3.5144% | 1,885 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.9901% | 980 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7100% | 3,590 |
| Return on assets (ROA) | 0.7044% | 3,553 |
| Pretax return on assets | 0.7044% | 3,839 |
| Return on Equity (ROE) | 12.5400% | 1,956 |
| Retained earnings to average equity (ytd only) | 6.3589% | 2,509 |
| Net charge-offs to loans | -0.0289% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.0595% | 713 |
| Assets per employee ($millions) | 3.5211% | 4,430 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,032 |
| Loan loss allowance to noncurrent loans | 1,061.5385% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,275 |
| Noncurrent loans to loans | 0.1009% | 3,042 |
| Net loans and leases to total assets | 51.6900% | 3,383 |
| Net loans and leases to deposits | 59.2730% | 3,377 |
| Net loans and leases to core deposits | 60.5683% | 3,475 |
| Total domestic deposits to total assets | 87.2100% | 2,326 |
| Equity capital to assets | 4.3830% | 4,471 |
| Core capital (leverage) ratio | 7.8251% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8947% | 2,758 |
| Memoranda: | ||
| Average total assets | $71,971,200 | 4,214 |
| Average earning assets | $67,549,800 | 4,183 |
| Average equity | $4,041,600 | 4,529 |
| Average total loans | $34,606,200 | 4,158 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 2,399 |
| Cost of funding earning assets | 0.1330% | 4,007 |
| Net interest margin | 3.4476% | 1,816 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.9696% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7088% | 3,542 |
| Return on assets (ROA) | 0.7014% | 3,525 |
| Pretax return on assets | 0.7014% | 3,797 |
| Return on Equity (ROE) | 11.8200% | 2,092 |
| Retained earnings to average equity (ytd only) | 11.8187% | 833 |
| Net charge-offs to loans | -0.0397% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.7302% | 727 |
| Assets per employee ($millions) | 3.4492% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,124 |
| Loan loss allowance to noncurrent loans | 73.1203% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 696 |
| Noncurrent loans to loans | 1.4695% | 485 |
| Net loans and leases to total assets | 49.4500% | 3,500 |
| Net loans and leases to deposits | 51.7087% | 3,749 |
| Net loans and leases to core deposits | 52.3649% | 3,837 |
| Total domestic deposits to total assets | 95.6200% | 163 |
| Equity capital to assets | 4.3253% | 4,436 |
| Core capital (leverage) ratio | 7.4572% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0827% | 1,682 |
| Memoranda: | ||
| Average total assets | $71,478,000 | 4,252 |
| Average earning assets | $67,175,000 | 4,218 |
| Average equity | $4,241,750 | 4,549 |
| Average total loans | $33,599,000 | 4,201 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 2,258 |
| Cost of funding earning assets | 0.1227% | 3,933 |
| Net interest margin | 3.3363% | 1,801 |
| Noninterest income to average assets | 0.4328% | 2,555 |
| Noninterest expense to average assets | 2.9174% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6492% | 3,474 |
| Return on assets (ROA) | 0.6492% | 3,423 |
| Pretax return on assets | 0.6492% | 3,718 |
| Return on Equity (ROE) | 10.0188% | 2,328 |
| Retained earnings to average equity (ytd only) | 10.0188% | 1,017 |
| Net charge-offs to loans | -0.0244% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7967% | 819 |
| Assets per employee ($millions) | 3.7410% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,999 |
| Loan loss allowance to noncurrent loans | 539.4366% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,057 |
| Noncurrent loans to loans | 0.2109% | 2,660 |
| Net loans and leases to total assets | 44.4874% | 3,796 |
| Net loans and leases to deposits | 47.1512% | 3,977 |
| Net loans and leases to core deposits | 47.7307% | 4,037 |
| Total domestic deposits to total assets | 94.3504% | 224 |
| Equity capital to assets | 5.6135% | 4,328 |
| Core capital (leverage) ratio | 7.6581% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3876% | 1,905 |
| Memoranda: | ||
| Average total assets | $71,159,333 | 4,299 |
| Average earning assets | $66,840,667 | 4,277 |
| Average equity | $4,611,333 | 4,559 |
| Average total loans | $32,730,667 | 4,267 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 2,037 |
| Cost of funding earning assets | 0.1232% | 3,863 |
| Net interest margin | 3.2946% | 1,576 |
| Noninterest income to average assets | 0.4385% | 2,449 |
| Noninterest expense to average assets | 2.7232% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8020% | 2,651 |
| Return on assets (ROA) | 0.8020% | 2,644 |
| Pretax return on assets | 0.8020% | 3,106 |
| Return on Equity (ROE) | 11.5425% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.5425% | 667 |
| Net charge-offs to loans | -0.0124% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2504% | 1,380 |
| Assets per employee ($millions) | 3.7009% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,990 |
| Loan loss allowance to noncurrent loans | 142.3221% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 1,669 |
| Noncurrent loans to loans | 0.8247% | 1,142 |
| Net loans and leases to total assets | 43.2293% | 3,798 |
| Net loans and leases to deposits | 45.9133% | 3,978 |
| Net loans and leases to core deposits | 46.4782% | 4,048 |
| Total domestic deposits to total assets | 94.1540% | 100 |
| Equity capital to assets | 5.8216% | 4,613 |
| Core capital (leverage) ratio | 7.8327% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4001% | 2,445 |
| Memoranda: | ||
| Average total assets | $69,329,500 | 4,336 |
| Average earning assets | $64,955,500 | 4,317 |
| Average equity | $4,817,000 | 4,578 |
| Average total loans | $32,262,000 | 4,289 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1582% | 1,066 |
| Cost of funding earning assets | 0.1356% | 4,110 |
| Net interest margin | 4.0226% | 678 |
| Noninterest income to average assets | 0.4788% | 2,680 |
| Noninterest expense to average assets | 3.0827% | 866 |
| Loan and lease loss provision to assets | 0.0316% | 2,418 |
| Net operating income to assets | 1.1139% | 2,230 |
| Return on assets (ROA) | 1.1139% | 2,293 |
| Pretax return on assets | 1.1139% | 2,918 |
| Return on Equity (ROE) | 12.9997% | 1,471 |
| Retained earnings to average equity (ytd only) | 8.3899% | 1,393 |
| Net charge-offs to loans | 0.0093% | 2,229 |
| Credit loss provision to net charge-offs | 666.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 241.6667% | 476 |
| Efficiency ratio | 72.9073% | 1,418 |
| Assets per employee ($millions) | 3.4022% | 4,611 |
| Cash dividends to net income (ytd only)* | 35.4610% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,981 |
| Loan loss allowance to noncurrent loans | 146.3320% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 1,628 |
| Noncurrent loans to loans | 0.8057% | 1,265 |
| Net loans and leases to total assets | 49.1445% | 3,389 |
| Net loans and leases to deposits | 53.5852% | 3,625 |
| Net loans and leases to core deposits | 54.3517% | 3,733 |
| Total domestic deposits to total assets | 91.7128% | 267 |
| Equity capital to assets | 8.2377% | 4,211 |
| Core capital (leverage) ratio | 8.4309% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7809% | 1,584 |
| Memoranda: | ||
| Average total assets | $63,288,800 | 4,408 |
| Average earning assets | $58,992,200 | 4,389 |
| Average equity | $5,423,200 | 4,587 |
| Average total loans | $32,273,600 | 4,329 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 870 |
| Cost of funding earning assets | 0.1409% | 4,188 |
| Net interest margin | 4.2168% | 524 |
| Noninterest income to average assets | 0.4850% | 2,691 |
| Noninterest expense to average assets | 3.0309% | 915 |
| Loan and lease loss provision to assets | 0.0429% | 2,137 |
| Net operating income to assets | 1.3428% | 1,709 |
| Return on assets (ROA) | 1.3428% | 1,761 |
| Pretax return on assets | 1.3428% | 2,505 |
| Return on Equity (ROE) | 15.5167% | 1,037 |
| Retained earnings to average equity (ytd only) | 15.5167% | 335 |
| Net charge-offs to loans | -0.0124% | 3,762 |
| Credit loss provision to net charge-offs | -666.6667% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6331% | 1,744 |
| Assets per employee ($millions) | 3.4866% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,235 |
| Loan loss allowance to noncurrent loans | 140.0000% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 1,803 |
| Noncurrent loans to loans | 0.8168% | 1,395 |
| Net loans and leases to total assets | 50.2415% | 3,389 |
| Net loans and leases to deposits | 54.9669% | 3,657 |
| Net loans and leases to core deposits | 55.7261% | 3,797 |
| Total domestic deposits to total assets | 91.4033% | 258 |
| Equity capital to assets | 8.5500% | 4,176 |
| Core capital (leverage) ratio | 8.7313% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0158% | 1,609 |
| Memoranda: | ||
| Average total assets | $62,950,500 | 4,479 |
| Average earning assets | $58,684,000 | 4,455 |
| Average equity | $5,447,750 | 4,653 |
| Average total loans | $32,305,250 | 4,392 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5703% | 652 |
| Cost of funding earning assets | 0.1523% | 4,189 |
| Net interest margin | 4.4180% | 407 |
| Noninterest income to average assets | 0.4689% | 2,761 |
| Noninterest expense to average assets | 2.9942% | 997 |
| Loan and lease loss provision to assets | 0.0323% | 2,337 |
| Net operating income to assets | 1.5683% | 1,124 |
| Return on assets (ROA) | 1.5683% | 1,183 |
| Pretax return on assets | 1.5683% | 1,829 |
| Return on Equity (ROE) | 18.0443% | 650 |
| Retained earnings to average equity (ytd only) | 18.0443% | 224 |
| Net charge-offs to loans | -0.0188% | 3,973 |
| Credit loss provision to net charge-offs | -333.3333% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1654% | 2,274 |
| Assets per employee ($millions) | 3.3208% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 3,151 |
| Loan loss allowance to noncurrent loans | 84.8416% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7005% | 1,171 |
| Noncurrent loans to loans | 1.3646% | 856 |
| Net loans and leases to total assets | 50.7417% | 3,481 |
| Net loans and leases to deposits | 55.6297% | 3,738 |
| Net loans and leases to core deposits | 56.4278% | 3,863 |
| Total domestic deposits to total assets | 91.2134% | 303 |
| Equity capital to assets | 8.7517% | 4,011 |
| Core capital (leverage) ratio | 8.4533% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4759% | 1,474 |
| Memoranda: | ||
| Average total assets | $61,852,000 | 4,515 |
| Average earning assets | $57,764,333 | 4,503 |
| Average equity | $5,375,667 | 4,686 |
| Average total loans | $31,851,000 | 4,434 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1055% | 307 |
| Cost of funding earning assets | 0.1613% | 4,230 |
| Net interest margin | 4.9442% | 197 |
| Noninterest income to average assets | 0.4769% | 2,719 |
| Noninterest expense to average assets | 2.7764% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3061% | 355 |
| Return on assets (ROA) | 2.3061% | 384 |
| Pretax return on assets | 2.3061% | 583 |
| Return on Equity (ROE) | 26.6289% | 214 |
| Retained earnings to average equity (ytd only) | 26.6289% | 110 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6272% | 3,720 |
| Assets per employee ($millions) | 3.4306% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,312 |
| Loan loss allowance to noncurrent loans | 249.6552% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 3,040 |
| Noncurrent loans to loans | 0.4506% | 2,506 |
| Net loans and leases to total assets | 48.8148% | 3,731 |
| Net loans and leases to deposits | 53.2056% | 3,988 |
| Net loans and leases to core deposits | 53.9306% | 4,097 |
| Total domestic deposits to total assets | 91.7476% | 191 |
| Equity capital to assets | 8.2202% | 4,345 |
| Core capital (leverage) ratio | 8.6314% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2950% | 2,164 |
| Memoranda: | ||
| Average total assets | $61,230,000 | 4,546 |
| Average earning assets | $57,036,000 | 4,530 |
| Average equity | $5,302,500 | 4,716 |
| Average total loans | $31,581,000 | 4,460 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 1,877 |
| Cost of funding earning assets | 0.2652% | 4,317 |
| Net interest margin | 4.0335% | 914 |
| Noninterest income to average assets | 0.5809% | 2,301 |
| Noninterest expense to average assets | 3.4683% | 727 |
| Loan and lease loss provision to assets | 0.0376% | 3,942 |
| Net operating income to assets | 0.7914% | 3,129 |
| Return on assets (ROA) | 0.7914% | 3,241 |
| Pretax return on assets | 0.7914% | 3,644 |
| Return on Equity (ROE) | 8.2028% | 2,737 |
| Retained earnings to average equity (ytd only) | 4.0527% | 2,793 |
| Net charge-offs to loans | 0.0103% | 2,951 |
| Credit loss provision to net charge-offs | 666.6667% | 1,029 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 590 |
| Efficiency ratio | 80.7087% | 838 |
| Assets per employee ($millions) | 3.1822% | 4,763 |
| Cash dividends to net income (ytd only)* | 50.5938% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 3,114 |
| Loan loss allowance to noncurrent loans | 227.6730% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 2,909 |
| Noncurrent loans to loans | 0.5132% | 2,437 |
| Net loans and leases to total assets | 53.4576% | 3,538 |
| Net loans and leases to deposits | 58.8597% | 3,839 |
| Net loans and leases to core deposits | 59.7708% | 3,959 |
| Total domestic deposits to total assets | 90.8221% | 271 |
| Equity capital to assets | 9.1604% | 3,928 |
| Core capital (leverage) ratio | 8.8776% | 3,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7504% | 2,330 |
| Memoranda: | ||
| Average total assets | $53,195,800 | 4,612 |
| Average earning assets | $49,014,800 | 4,600 |
| Average equity | $5,132,400 | 4,733 |
| Average total loans | $29,189,200 | 4,534 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 1,871 |
| Cost of funding earning assets | 0.2887% | 4,356 |
| Net interest margin | 4.1024% | 892 |
| Noninterest income to average assets | 0.6159% | 2,117 |
| Noninterest expense to average assets | 3.4243% | 776 |
| Loan and lease loss provision to assets | 0.0517% | 3,710 |
| Net operating income to assets | 0.9174% | 2,634 |
| Return on assets (ROA) | 0.9174% | 2,762 |
| Pretax return on assets | 0.9174% | 3,336 |
| Return on Equity (ROE) | 9.3785% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.3785% | 885 |
| Net charge-offs to loans | 0.0139% | 2,620 |
| Credit loss provision to net charge-offs | 666.6667% | 1,100 |
| Earnings coverage of net charge-offs (x) | 126.3333% | 674 |
| Efficiency ratio | 77.9523% | 1,040 |
| Assets per employee ($millions) | 3.0349% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 2,675 |
| Loan loss allowance to noncurrent loans | 458.2278% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 3,693 |
| Noncurrent loans to loans | 0.2615% | 3,362 |
| Net loans and leases to total assets | 54.6285% | 3,742 |
| Net loans and leases to deposits | 60.7256% | 4,011 |
| Net loans and leases to core deposits | 62.0695% | 4,102 |
| Total domestic deposits to total assets | 89.9595% | 438 |
| Equity capital to assets | 9.9672% | 3,256 |
| Core capital (leverage) ratio | 9.3710% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $52,175,000 | 4,645 |
| Average earning assets | $48,036,250 | 4,636 |
| Average equity | $5,103,750 | 4,764 |
| Average total loans | $28,741,000 | 4,561 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,943 |
| Cost of funding earning assets | 0.3301% | 4,363 |
| Net interest margin | 4.1606% | 997 |
| Noninterest income to average assets | 0.5024% | 2,552 |
| Noninterest expense to average assets | 3.4387% | 809 |
| Loan and lease loss provision to assets | 0.0584% | 3,572 |
| Net operating income to assets | 0.8334% | 2,921 |
| Return on assets (ROA) | 0.8334% | 3,043 |
| Pretax return on assets | 0.8334% | 3,496 |
| Return on Equity (ROE) | 8.5772% | 2,534 |
| Retained earnings to average equity (ytd only) | 8.5772% | 1,139 |
| Net charge-offs to loans | 0.0425% | 1,898 |
| Credit loss provision to net charge-offs | 250.0000% | 1,750 |
| Earnings coverage of net charge-offs (x) | 38.1667% | 1,284 |
| Efficiency ratio | 79.4065% | 934 |
| Assets per employee ($millions) | 3.0874% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 2,275 |
| Loan loss allowance to noncurrent loans | 219.8758% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 3,159 |
| Noncurrent loans to loans | 0.5666% | 2,459 |
| Net loans and leases to total assets | 50.4903% | 4,139 |
| Net loans and leases to deposits | 55.7578% | 4,298 |
| Net loans and leases to core deposits | 57.4050% | 4,381 |
| Total domestic deposits to total assets | 90.5530% | 261 |
| Equity capital to assets | 9.3949% | 3,746 |
| Core capital (leverage) ratio | 9.0965% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $51,357,000 | 4,671 |
| Average earning assets | $47,252,333 | 4,668 |
| Average equity | $4,990,000 | 4,801 |
| Average total loans | $28,253,000 | 4,594 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 2,568 |
| Cost of funding earning assets | 0.4141% | 4,312 |
| Net interest margin | 3.9999% | 1,397 |
| Noninterest income to average assets | 0.5929% | 2,067 |
| Noninterest expense to average assets | 3.6468% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6335% | 3,502 |
| Return on assets (ROA) | 0.6335% | 3,562 |
| Pretax return on assets | 0.6335% | 3,854 |
| Return on Equity (ROE) | 6.4007% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.4007% | 1,751 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1992% | 758 |
| Assets per employee ($millions) | 2.7161% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,469 |
| Loan loss allowance to noncurrent loans | 164.2857% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 2,829 |
| Noncurrent loans to loans | 0.7529% | 2,121 |
| Net loans and leases to total assets | 53.3814% | 4,033 |
| Net loans and leases to deposits | 59.0399% | 4,243 |
| Net loans and leases to core deposits | 60.9078% | 4,319 |
| Total domestic deposits to total assets | 90.4158% | 215 |
| Equity capital to assets | 9.5221% | 4,201 |
| Core capital (leverage) ratio | 9.8991% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $49,249,000 | 4,722 |
| Average earning assets | $45,401,500 | 4,715 |
| Average equity | $4,874,500 | 4,854 |
| Average total loans | $28,173,000 | 4,631 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 2,646 |
| Cost of funding earning assets | 0.4345% | 4,323 |
| Net interest margin | 4.1578% | 1,403 |
| Noninterest income to average assets | 0.5647% | 2,398 |
| Noninterest expense to average assets | 3.9386% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5004% | 4,402 |
| Return on assets (ROA) | 0.5004% | 4,456 |
| Pretax return on assets | 0.5004% | 4,580 |
| Return on Equity (ROE) | 5.0169% | 4,195 |
| Retained earnings to average equity (ytd only) | 1.8943% | 4,045 |
| Net charge-offs to loans | 0.0068% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 587 |
| Efficiency ratio | 88.7278% | 407 |
| Assets per employee ($millions) | 2.6051% | 4,969 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 2,363 |
| Loan loss allowance to noncurrent loans | 109.1772% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 1,905 |
| Noncurrent loans to loans | 1.1106% | 1,359 |
| Net loans and leases to total assets | 59.9420% | 3,586 |
| Net loans and leases to deposits | 67.2006% | 3,880 |
| Net loans and leases to core deposits | 69.1345% | 4,009 |
| Total domestic deposits to total assets | 89.1986% | 596 |
| Equity capital to assets | 10.3109% | 3,622 |
| Core capital (leverage) ratio | 9.9074% | 3,614 |
| Tier 1 risk-based capital ratio | 17.5431% | 1,880 |
| Total risk-based capital ratio | 18.7925% | 1,832 |
| Memoranda: | ||
| Average total assets | $48,164,400 | 4,782 |
| Average earning assets | $44,879,200 | 4,771 |
| Average equity | $4,803,800 | 4,907 |
| Average total loans | $29,401,600 | 4,653 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 2,722 |
| Cost of funding earning assets | 0.4241% | 4,425 |
| Net interest margin | 4.1760% | 1,429 |
| Noninterest income to average assets | 0.5555% | 2,430 |
| Noninterest expense to average assets | 3.8666% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5885% | 4,323 |
| Return on assets (ROA) | 0.5885% | 4,372 |
| Pretax return on assets | 0.5885% | 4,562 |
| Return on Equity (ROE) | 5.9493% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.9493% | 2,396 |
| Net charge-offs to loans | 0.0090% | 3,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 106.8652% | 716 |
| Efficiency ratio | 86.7901% | 458 |
| Assets per employee ($millions) | 2.5682% | 5,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,450 |
| Loan loss allowance to noncurrent loans | 206.5868% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 3,153 |
| Noncurrent loans to loans | 0.5865% | 2,527 |
| Net loans and leases to total assets | 57.6420% | 3,910 |
| Net loans and leases to deposits | 64.2257% | 4,158 |
| Net loans and leases to core deposits | 65.9840% | 4,277 |
| Total domestic deposits to total assets | 89.7492% | 356 |
| Equity capital to assets | 10.1586% | 3,863 |
| Core capital (leverage) ratio | 10.2072% | 3,415 |
| Tier 1 risk-based capital ratio | 17.7791% | 1,886 |
| Total risk-based capital ratio | 19.0283% | 1,831 |
| Memoranda: | ||
| Average total assets | $48,482,500 | 4,840 |
| Average earning assets | $45,273,000 | 4,829 |
| Average equity | $4,796,000 | 4,972 |
| Average total loans | $29,638,750 | 4,714 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 2,595 |
| Cost of funding earning assets | 0.4116% | 4,461 |
| Net interest margin | 4.2135% | 1,331 |
| Noninterest income to average assets | 0.5457% | 2,411 |
| Noninterest expense to average assets | 4.0142% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4672% | 4,600 |
| Return on assets (ROA) | 0.4672% | 4,632 |
| Pretax return on assets | 0.4672% | 4,743 |
| Return on Equity (ROE) | 4.7656% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.7656% | 2,882 |
| Net charge-offs to loans | 0.0133% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 1,019 |
| Efficiency ratio | 89.5756% | 367 |
| Assets per employee ($millions) | 2.5516% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,503 |
| Loan loss allowance to noncurrent loans | 123.2143% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 2,281 |
| Noncurrent loans to loans | 0.9773% | 1,675 |
| Net loans and leases to total assets | 58.3858% | 3,873 |
| Net loans and leases to deposits | 64.9056% | 4,167 |
| Net loans and leases to core deposits | 66.6871% | 4,282 |
| Total domestic deposits to total assets | 89.9548% | 347 |
| Equity capital to assets | 9.9812% | 3,986 |
| Core capital (leverage) ratio | 9.9078% | 3,692 |
| Tier 1 risk-based capital ratio | 17.1165% | 2,053 |
| Total risk-based capital ratio | 18.3483% | 2,004 |
| Memoranda: | ||
| Average total assets | $48,378,000 | 4,882 |
| Average earning assets | $45,187,670 | 4,869 |
| Average equity | $4,742,330 | 5,012 |
| Average total loans | $30,027,670 | 4,733 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 2,899 |
| Cost of funding earning assets | 0.3906% | 4,524 |
| Net interest margin | 4.1014% | 1,548 |
| Noninterest income to average assets | 0.4966% | 2,569 |
| Noninterest expense to average assets | 3.6336% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6870% | 3,980 |
| Return on assets (ROA) | 0.6870% | 4,019 |
| Pretax return on assets | 0.6870% | 4,328 |
| Return on Equity (ROE) | 7.0729% | 3,646 |
| Retained earnings to average equity (ytd only) | 7.0729% | 2,007 |
| Net charge-offs to loans | 0.0781% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.8333% | 1,826 |
| Efficiency ratio | 84.0996% | 702 |
| Assets per employee ($millions) | 2.6042% | 5,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 2,990 |
| Loan loss allowance to noncurrent loans | 105.2469% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6548% | 2,136 |
| Noncurrent loans to loans | 1.0687% | 1,558 |
| Net loans and leases to total assets | 60.5800% | 3,652 |
| Net loans and leases to deposits | 67.0672% | 3,980 |
| Net loans and leases to core deposits | 68.8590% | 4,138 |
| Total domestic deposits to total assets | 90.3274% | 344 |
| Equity capital to assets | 9.6180% | 4,158 |
| Core capital (leverage) ratio | 9.8009% | 3,817 |
| Tier 1 risk-based capital ratio | 16.0840% | 2,399 |
| Total risk-based capital ratio | 17.2347% | 2,392 |
| Memoranda: | ||
| Average total assets | $48,326,500 | 4,932 |
| Average earning assets | $45,058,000 | 4,919 |
| Average equity | $4,694,000 | 5,060 |
| Average total loans | $30,716,000 | 4,774 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 2,138 |
| Cost of funding earning assets | 0.2999% | 4,570 |
| Net interest margin | 4.2967% | 1,164 |
| Noninterest income to average assets | 0.5473% | 2,565 |
| Noninterest expense to average assets | 3.7997% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7566% | 3,946 |
| Return on assets (ROA) | 0.7566% | 3,949 |
| Pretax return on assets | 0.7566% | 4,276 |
| Return on Equity (ROE) | 8.0244% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.6828% | 2,944 |
| Net charge-offs to loans | 0.0063% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 182.5000% | 481 |
| Efficiency ratio | 83.3940% | 689 |
| Assets per employee ($millions) | 2.4828% | 5,217 |
| Cash dividends to net income (ytd only)* | 41.6438% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,009 |
| Loan loss allowance to noncurrent loans | 127.5735% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 2,314 |
| Noncurrent loans to loans | 0.8741% | 1,844 |
| Net loans and leases to total assets | 65.2259% | 3,233 |
| Net loans and leases to deposits | 72.3466% | 3,641 |
| Net loans and leases to core deposits | 74.3769% | 3,825 |
| Total domestic deposits to total assets | 90.1575% | 423 |
| Equity capital to assets | 9.8128% | 3,850 |
| Core capital (leverage) ratio | 9.8194% | 3,774 |
| Tier 1 risk-based capital ratio | 16.6341% | 2,193 |
| Total risk-based capital ratio | 17.8669% | 2,147 |
| Memoranda: | ||
| Average total assets | $48,240,800 | 4,968 |
| Average earning assets | $45,011,400 | 4,955 |
| Average equity | $4,548,600 | 5,105 |
| Average total loans | $31,606,000 | 4,780 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 2,152 |
| Cost of funding earning assets | 0.2530% | 4,771 |
| Net interest margin | 4.2888% | 1,136 |
| Noninterest income to average assets | 0.5222% | 2,732 |
| Noninterest expense to average assets | 3.7134% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8163% | 3,856 |
| Return on assets (ROA) | 0.8054% | 3,887 |
| Pretax return on assets | 0.8054% | 4,276 |
| Return on Equity (ROE) | 8.6267% | 3,275 |
| Retained earnings to average equity (ytd only) | 8.6267% | 1,365 |
| Net charge-offs to loans | 0.0126% | 2,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 98.9975% | 761 |
| Efficiency ratio | 81.9782% | 776 |
| Assets per employee ($millions) | 2.5091% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 3,082 |
| Loan loss allowance to noncurrent loans | 72.6891% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 1,461 |
| Noncurrent loans to loans | 1.5395% | 1,044 |
| Net loans and leases to total assets | 64.1327% | 3,408 |
| Net loans and leases to deposits | 71.9761% | 3,773 |
| Net loans and leases to core deposits | 73.9968% | 3,948 |
| Total domestic deposits to total assets | 89.1028% | 814 |
| Equity capital to assets | 9.7623% | 3,854 |
| Core capital (leverage) ratio | 9.8535% | 3,793 |
| Tier 1 risk-based capital ratio | 16.8120% | 2,165 |
| Total risk-based capital ratio | 18.0335% | 2,121 |
| Memoranda: | ||
| Average total assets | $48,507,750 | 5,019 |
| Average earning assets | $45,325,750 | 5,000 |
| Average equity | $4,528,500 | 5,171 |
| Average total loans | $31,621,500 | 4,832 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 2,104 |
| Cost of funding earning assets | 0.2015% | 5,022 |
| Net interest margin | 4.2927% | 1,049 |
| Noninterest income to average assets | 0.5083% | 2,813 |
| Noninterest expense to average assets | 3.7347% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7912% | 3,885 |
| Return on assets (ROA) | 0.7748% | 3,941 |
| Pretax return on assets | 0.7748% | 4,321 |
| Return on Equity (ROE) | 8.4250% | 3,302 |
| Retained earnings to average equity (ytd only) | 8.4250% | 1,436 |
| Net charge-offs to loans | -0.0126% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5181% | 800 |
| Assets per employee ($millions) | 2.5693% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,199 |
| Loan loss allowance to noncurrent loans | 92.1260% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 1,920 |
| Noncurrent loans to loans | 1.2057% | 1,444 |
| Net loans and leases to total assets | 64.0105% | 3,397 |
| Net loans and leases to deposits | 70.6744% | 3,804 |
| Net loans and leases to core deposits | 72.5753% | 3,976 |
| Total domestic deposits to total assets | 90.5709% | 376 |
| Equity capital to assets | 9.3738% | 4,213 |
| Core capital (leverage) ratio | 9.4773% | 4,140 |
| Tier 1 risk-based capital ratio | 16.2600% | 2,347 |
| Total risk-based capital ratio | 17.4783% | 2,300 |
| Memoranda: | ||
| Average total assets | $48,786,000 | 5,072 |
| Average earning assets | $45,659,000 | 5,053 |
| Average equity | $4,486,670 | 5,233 |
| Average total loans | $31,855,330 | 4,876 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 2,307 |
| Cost of funding earning assets | 0.2013% | 5,008 |
| Net interest margin | 4.1652% | 1,262 |
| Noninterest income to average assets | 0.4675% | 3,013 |
| Noninterest expense to average assets | 3.7810% | 691 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5905% | 4,449 |
| Return on assets (ROA) | 0.5905% | 4,455 |
| Pretax return on assets | 0.5905% | 4,709 |
| Return on Equity (ROE) | 6.4836% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.4836% | 2,514 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4916% | 615 |
| Assets per employee ($millions) | 2.6201% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 3,329 |
| Loan loss allowance to noncurrent loans | 44.1214% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.5889% | 855 |
| Noncurrent loans to loans | 2.5114% | 543 |
| Net loans and leases to total assets | 62.5668% | 3,480 |
| Net loans and leases to deposits | 68.7541% | 3,900 |
| Net loans and leases to core deposits | 70.5561% | 4,056 |
| Total domestic deposits to total assets | 91.0008% | 319 |
| Equity capital to assets | 8.9550% | 4,608 |
| Core capital (leverage) ratio | 9.2459% | 4,385 |
| Tier 1 risk-based capital ratio | 14.5694% | 3,085 |
| Total risk-based capital ratio | 15.7001% | 3,059 |
| Memoranda: | ||
| Average total assets | $48,770,500 | 5,128 |
| Average earning assets | $45,712,000 | 5,117 |
| Average equity | $4,442,000 | 5,293 |
| Average total loans | $31,983,500 | 4,919 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 1,996 |
| Cost of funding earning assets | 0.1999% | 4,950 |
| Net interest margin | 4.2117% | 1,166 |
| Noninterest income to average assets | 0.5919% | 2,489 |
| Noninterest expense to average assets | 3.6380% | 855 |
| Loan and lease loss provision to assets | 0.0020% | 4,202 |
| Net operating income to assets | 0.8242% | 3,062 |
| Return on assets (ROA) | 0.8221% | 3,110 |
| Pretax return on assets | 0.8221% | 4,193 |
| Return on Equity (ROE) | 9.2799% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.8598% | 1,621 |
| Net charge-offs to loans | 0.0031% | 3,996 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 211 |
| Efficiency ratio | 81.4932% | 966 |
| Assets per employee ($millions) | 2.5136% | 5,454 |
| Cash dividends to net income (ytd only)* | 36.8550% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,480 |
| Loan loss allowance to noncurrent loans | 171.9212% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 3,163 |
| Noncurrent loans to loans | 0.6252% | 2,656 |
| Net loans and leases to total assets | 67.2585% | 2,923 |
| Net loans and leases to deposits | 76.9426% | 3,237 |
| Net loans and leases to core deposits | 79.1319% | 3,496 |
| Total domestic deposits to total assets | 87.4139% | 1,807 |
| Equity capital to assets | 9.2674% | 4,460 |
| Core capital (leverage) ratio | 9.2984% | 4,292 |
| Tier 1 risk-based capital ratio | 15.4873% | 2,634 |
| Total risk-based capital ratio | 16.6979% | 2,583 |
| Memoranda: | ||
| Average total assets | $49,505,400 | 5,169 |
| Average earning assets | $45,516,000 | 5,160 |
| Average equity | $4,385,800 | 5,361 |
| Average total loans | $32,492,600 | 4,949 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3672% | 2,051 |
| Cost of funding earning assets | 0.2074% | 4,911 |
| Net interest margin | 4.1598% | 1,251 |
| Noninterest income to average assets | 0.5900% | 2,535 |
| Noninterest expense to average assets | 3.5934% | 878 |
| Loan and lease loss provision to assets | 0.0027% | 4,058 |
| Net operating income to assets | 0.7956% | 3,538 |
| Return on assets (ROA) | 0.7956% | 3,587 |
| Pretax return on assets | 0.7956% | 4,357 |
| Return on Equity (ROE) | 9.0800% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.0800% | 817 |
| Net charge-offs to loans | 0.0041% | 3,594 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 299.7444% | 307 |
| Efficiency ratio | 81.8237% | 929 |
| Assets per employee ($millions) | 2.5434% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,558 |
| Loan loss allowance to noncurrent loans | 219.4969% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 3,739 |
| Noncurrent loans to loans | 0.4960% | 3,209 |
| Net loans and leases to total assets | 65.6196% | 3,162 |
| Net loans and leases to deposits | 72.4916% | 3,721 |
| Net loans and leases to core deposits | 74.4558% | 3,934 |
| Total domestic deposits to total assets | 90.5202% | 319 |
| Equity capital to assets | 9.4032% | 4,543 |
| Core capital (leverage) ratio | 8.9933% | 4,746 |
| Tier 1 risk-based capital ratio | 15.5987% | 2,671 |
| Total risk-based capital ratio | 16.8069% | 2,634 |
| Memoranda: | ||
| Average total assets | $49,942,000 | 5,212 |
| Average earning assets | $45,641,750 | 5,213 |
| Average equity | $4,375,750 | 5,419 |
| Average total loans | $32,498,000 | 4,993 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,180 |
| Cost of funding earning assets | 0.2136% | 4,855 |
| Net interest margin | 4.0719% | 1,400 |
| Noninterest income to average assets | 0.6022% | 2,439 |
| Noninterest expense to average assets | 3.5498% | 938 |
| Loan and lease loss provision to assets | 0.0040% | 3,823 |
| Net operating income to assets | 0.7488% | 3,639 |
| Return on assets (ROA) | 0.7488% | 3,696 |
| Pretax return on assets | 0.7488% | 4,434 |
| Return on Equity (ROE) | 8.7507% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.7507% | 917 |
| Net charge-offs to loans | 0.0061% | 3,239 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 428 |
| Efficiency ratio | 82.5046% | 958 |
| Assets per employee ($millions) | 2.7656% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,843 |
| Loan loss allowance to noncurrent loans | 163.0841% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 3,390 |
| Noncurrent loans to loans | 0.6445% | 2,799 |
| Net loans and leases to total assets | 62.5262% | 3,573 |
| Net loans and leases to deposits | 68.3312% | 4,036 |
| Net loans and leases to core deposits | 70.0085% | 4,226 |
| Total domestic deposits to total assets | 91.5046% | 132 |
| Equity capital to assets | 8.4459% | 5,336 |
| Core capital (leverage) ratio | 8.6661% | 5,071 |
| Tier 1 risk-based capital ratio | 14.8185% | 3,005 |
| Total risk-based capital ratio | 15.9838% | 2,980 |
| Memoranda: | ||
| Average total assets | $50,481,330 | 5,238 |
| Average earning assets | $45,875,000 | 5,241 |
| Average equity | $4,319,670 | 5,470 |
| Average total loans | $32,644,330 | 5,021 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 2,241 |
| Cost of funding earning assets | 0.2127% | 4,859 |
| Net interest margin | 3.9972% | 1,484 |
| Noninterest income to average assets | 0.5662% | 2,574 |
| Noninterest expense to average assets | 3.5835% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6310% | 4,013 |
| Return on assets (ROA) | 0.6310% | 4,059 |
| Pretax return on assets | 0.6310% | 4,655 |
| Return on Equity (ROE) | 7.3231% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.3231% | 1,733 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0288% | 889 |
| Assets per employee ($millions) | 2.7272% | 5,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,857 |
| Loan loss allowance to noncurrent loans | 131.2030% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 3,173 |
| Noncurrent loans to loans | 0.8192% | 2,404 |
| Net loans and leases to total assets | 61.9912% | 3,535 |
| Net loans and leases to deposits | 67.6424% | 4,024 |
| Net loans and leases to core deposits | 68.7719% | 4,238 |
| Total domestic deposits to total assets | 91.6456% | 157 |
| Equity capital to assets | 8.3100% | 5,351 |
| Core capital (leverage) ratio | 8.7348% | 5,017 |
| Tier 1 risk-based capital ratio | 13.6703% | 3,675 |
| Total risk-based capital ratio | 14.7782% | 3,669 |
| Memoranda: | ||
| Average total assets | $49,449,000 | 5,321 |
| Average earning assets | $45,132,000 | 5,315 |
| Average equity | $4,260,500 | 5,532 |
| Average total loans | $32,364,500 | 5,076 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 1,654 |
| Cost of funding earning assets | 0.2314% | 4,724 |
| Net interest margin | 4.2286% | 1,056 |
| Noninterest income to average assets | 0.6061% | 2,627 |
| Noninterest expense to average assets | 3.8376% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6425% | 4,032 |
| Return on assets (ROA) | 0.6425% | 4,140 |
| Pretax return on assets | 0.6425% | 4,669 |
| Return on Equity (ROE) | 7.1114% | 3,412 |
| Retained earnings to average equity (ytd only) | 4.5039% | 2,701 |
| Net charge-offs to loans | 0.1506% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.3830% | 3,180 |
| Efficiency ratio | 85.6597% | 853 |
| Assets per employee ($millions) | 2.4779% | 5,667 |
| Cash dividends to net income (ytd only)* | 36.6667% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 3,817 |
| Loan loss allowance to noncurrent loans | 89.7172% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 2,282 |
| Noncurrent loans to loans | 1.2059% | 1,710 |
| Net loans and leases to total assets | 67.7747% | 2,815 |
| Net loans and leases to deposits | 74.4581% | 3,469 |
| Net loans and leases to core deposits | 76.3008% | 3,724 |
| Total domestic deposits to total assets | 91.0240% | 279 |
| Equity capital to assets | 8.9527% | 4,864 |
| Core capital (leverage) ratio | 8.9740% | 4,768 |
| Tier 1 risk-based capital ratio | 14.1146% | 3,405 |
| Total risk-based capital ratio | 15.2853% | 3,357 |
| Memoranda: | ||
| Average total assets | $46,695,400 | 5,411 |
| Average earning assets | $42,780,600 | 5,406 |
| Average equity | $4,218,600 | 5,608 |
| Average total loans | $31,209,600 | 5,158 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,674 |
| Cost of funding earning assets | 0.2378% | 4,726 |
| Net interest margin | 4.2183% | 1,083 |
| Noninterest income to average assets | 0.6094% | 2,611 |
| Noninterest expense to average assets | 3.7682% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6981% | 3,856 |
| Return on assets (ROA) | 0.6981% | 3,986 |
| Pretax return on assets | 0.6981% | 4,612 |
| Return on Equity (ROE) | 7.7102% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.7102% | 1,309 |
| Net charge-offs to loans | 0.2025% | 1,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 5.1912% | 3,162 |
| Efficiency ratio | 84.3690% | 961 |
| Assets per employee ($millions) | 2.4602% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,787 |
| Loan loss allowance to noncurrent loans | 85.7494% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 2,371 |
| Noncurrent loans to loans | 1.2918% | 1,730 |
| Net loans and leases to total assets | 66.6567% | 3,010 |
| Net loans and leases to deposits | 74.4196% | 3,557 |
| Net loans and leases to core deposits | 76.3041% | 3,804 |
| Total domestic deposits to total assets | 89.5687% | 642 |
| Equity capital to assets | 9.2782% | 4,890 |
| Core capital (leverage) ratio | 8.9675% | 4,862 |
| Tier 1 risk-based capital ratio | 15.2151% | 2,947 |
| Total risk-based capital ratio | 16.4613% | 2,889 |
| Memoranda: | ||
| Average total assets | $46,599,000 | 5,465 |
| Average earning assets | $42,606,500 | 5,467 |
| Average equity | $4,219,500 | 5,665 |
| Average total loans | $30,947,500 | 5,210 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 1,735 |
| Cost of funding earning assets | 0.2358% | 4,795 |
| Net interest margin | 4.1964% | 1,123 |
| Noninterest income to average assets | 0.6273% | 2,475 |
| Noninterest expense to average assets | 3.6820% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7691% | 3,451 |
| Return on assets (ROA) | 0.7691% | 3,598 |
| Pretax return on assets | 0.7691% | 4,397 |
| Return on Equity (ROE) | 8.5639% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.5639% | 989 |
| Net charge-offs to loans | 0.2731% | 876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.2619% | 3,004 |
| Efficiency ratio | 82.7220% | 1,181 |
| Assets per employee ($millions) | 2.7287% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 3,742 |
| Loan loss allowance to noncurrent loans | 77.2926% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 2,287 |
| Noncurrent loans to loans | 1.4698% | 1,494 |
| Net loans and leases to total assets | 62.7196% | 3,542 |
| Net loans and leases to deposits | 68.7711% | 4,105 |
| Net loans and leases to core deposits | 70.9816% | 4,250 |
| Total domestic deposits to total assets | 91.2006% | 156 |
| Equity capital to assets | 8.7424% | 5,447 |
| Core capital (leverage) ratio | 9.0018% | 4,828 |
| Tier 1 risk-based capital ratio | 13.9149% | 3,650 |
| Total risk-based capital ratio | 15.0885% | 3,621 |
| Memoranda: | ||
| Average total assets | $46,550,670 | 5,530 |
| Average earning assets | $42,417,000 | 5,530 |
| Average equity | $4,180,330 | 5,736 |
| Average total loans | $30,761,000 | 5,274 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 1,265 |
| Cost of funding earning assets | 0.2406% | 4,799 |
| Net interest margin | 4.3591% | 816 |
| Noninterest income to average assets | 0.5920% | 2,580 |
| Noninterest expense to average assets | 3.6759% | 924 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9190% | 2,656 |
| Return on assets (ROA) | 0.9190% | 2,765 |
| Pretax return on assets | 0.9190% | 3,770 |
| Return on Equity (ROE) | 10.0885% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.0885% | 828 |
| Net charge-offs to loans | 0.5628% | 391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.4186% | 2,682 |
| Efficiency ratio | 80.0000% | 1,606 |
| Assets per employee ($millions) | 2.5711% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,909 |
| Loan loss allowance to noncurrent loans | 57.1197% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 1,502 |
| Noncurrent loans to loans | 1.9706% | 1,095 |
| Net loans and leases to total assets | 67.0009% | 2,808 |
| Net loans and leases to deposits | 73.6935% | 3,468 |
| Net loans and leases to core deposits | 76.2186% | 3,661 |
| Total domestic deposits to total assets | 90.9183% | 295 |
| Equity capital to assets | 9.0341% | 5,139 |
| Core capital (leverage) ratio | 9.1169% | 4,712 |
| Tier 1 risk-based capital ratio | 13.9160% | 3,745 |
| Total risk-based capital ratio | 15.1101% | 3,718 |
| Memoranda: | ||
| Average total assets | $45,267,500 | 5,608 |
| Average earning assets | $41,568,500 | 5,599 |
| Average equity | $4,123,500 | 5,788 |
| Average total loans | $30,561,500 | 5,318 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4469% | 1,755 |
| Cost of funding earning assets | 0.2648% | 4,644 |
| Net interest margin | 4.1822% | 1,204 |
| Noninterest income to average assets | 0.6186% | 2,628 |
| Noninterest expense to average assets | 3.8508% | 813 |
| Loan and lease loss provision to assets | 0.0134% | 4,138 |
| Net operating income to assets | 0.5783% | 4,390 |
| Return on assets (ROA) | 0.5783% | 4,481 |
| Pretax return on assets | 0.5783% | 4,909 |
| Return on Equity (ROE) | 6.4278% | 3,826 |
| Retained earnings to average equity (ytd only) | 4.4845% | 2,796 |
| Net charge-offs to loans | -0.0210% | 5,280 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6801% | 943 |
| Assets per employee ($millions) | 2.4586% | 5,910 |
| Cash dividends to net income (ytd only)* | 30.2326% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 2,756 |
| Loan loss allowance to noncurrent loans | 77.3438% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 1,878 |
| Noncurrent loans to loans | 1.7203% | 1,309 |
| Net loans and leases to total assets | 66.3563% | 2,934 |
| Net loans and leases to deposits | 76.5158% | 3,193 |
| Net loans and leases to core deposits | 79.3976% | 3,406 |
| Total domestic deposits to total assets | 86.7224% | 2,262 |
| Equity capital to assets | 9.1877% | 4,928 |
| Core capital (leverage) ratio | 9.0181% | 4,863 |
| Tier 1 risk-based capital ratio | 13.6865% | 3,896 |
| Total risk-based capital ratio | 14.9391% | 3,825 |
| Memoranda: | ||
| Average total assets | $44,614,000 | 5,667 |
| Average earning assets | $40,792,400 | 5,654 |
| Average equity | $4,013,800 | 5,848 |
| Average total loans | $28,638,600 | 5,418 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4804% | 1,659 |
| Cost of funding earning assets | 0.2716% | 4,646 |
| Net interest margin | 4.2087% | 1,145 |
| Noninterest income to average assets | 0.6293% | 2,587 |
| Noninterest expense to average assets | 3.8027% | 849 |
| Loan and lease loss provision to assets | 0.0119% | 4,032 |
| Net operating income to assets | 0.6502% | 4,130 |
| Return on assets (ROA) | 0.6502% | 4,241 |
| Pretax return on assets | 0.6502% | 4,828 |
| Return on Equity (ROE) | 7.2651% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.2651% | 1,562 |
| Net charge-offs to loans | -0.0376% | 5,437 |
| Credit loss provision to net charge-offs | -50.0000% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1703% | 1,071 |
| Assets per employee ($millions) | 2.5393% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 2,868 |
| Loan loss allowance to noncurrent loans | 99.7481% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 2,703 |
| Noncurrent loans to loans | 1.3511% | 1,898 |
| Net loans and leases to total assets | 63.4178% | 3,390 |
| Net loans and leases to deposits | 69.7457% | 4,014 |
| Net loans and leases to core deposits | 72.6182% | 4,138 |
| Total domestic deposits to total assets | 90.9272% | 261 |
| Equity capital to assets | 8.9853% | 5,319 |
| Core capital (leverage) ratio | 8.9809% | 5,013 |
| Tier 1 risk-based capital ratio | 13.5380% | 4,122 |
| Total risk-based capital ratio | 14.7911% | 4,044 |
| Memoranda: | ||
| Average total assets | $44,703,750 | 5,740 |
| Average earning assets | $40,739,500 | 5,732 |
| Average equity | $4,000,750 | 5,931 |
| Average total loans | $28,357,750 | 5,493 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 1,652 |
| Cost of funding earning assets | 0.2767% | 4,649 |
| Net interest margin | 4.1848% | 1,133 |
| Noninterest income to average assets | 0.6356% | 2,551 |
| Noninterest expense to average assets | 3.8000% | 868 |
| Loan and lease loss provision to assets | 0.0135% | 3,851 |
| Net operating income to assets | 0.6401% | 4,170 |
| Return on assets (ROA) | 0.6401% | 4,279 |
| Pretax return on assets | 0.6401% | 4,861 |
| Return on Equity (ROE) | 7.1621% | 3,518 |
| Retained earnings to average equity (ytd only) | 7.1621% | 1,635 |
| Net charge-offs to loans | -0.0571% | 5,595 |
| Credit loss provision to net charge-offs | -37.5000% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3239% | 1,116 |
| Assets per employee ($millions) | 2.5013% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 2,825 |
| Loan loss allowance to noncurrent loans | 95.1807% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 2,688 |
| Noncurrent loans to loans | 1.4564% | 1,822 |
| Net loans and leases to total assets | 62.4112% | 3,489 |
| Net loans and leases to deposits | 68.5617% | 4,079 |
| Net loans and leases to core deposits | 70.9721% | 4,228 |
| Total domestic deposits to total assets | 91.0292% | 288 |
| Equity capital to assets | 8.9041% | 5,339 |
| Core capital (leverage) ratio | 8.6926% | 5,327 |
| Tier 1 risk-based capital ratio | 12.0832% | 5,086 |
| Total risk-based capital ratio | 13.2903% | 5,021 |
| Memoranda: | ||
| Average total assets | $44,369,000 | 5,809 |
| Average earning assets | $40,480,000 | 5,797 |
| Average equity | $3,965,330 | 5,997 |
| Average total loans | $28,016,000 | 5,552 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 1,488 |
| Cost of funding earning assets | 0.2876% | 4,580 |
| Net interest margin | 4.2047% | 1,048 |
| Noninterest income to average assets | 0.5449% | 2,989 |
| Noninterest expense to average assets | 3.7328% | 961 |
| Loan and lease loss provision to assets | 0.0091% | 3,601 |
| Net operating income to assets | 0.6539% | 4,031 |
| Return on assets (ROA) | 0.6539% | 4,151 |
| Pretax return on assets | 0.6539% | 4,745 |
| Return on Equity (ROE) | 7.3032% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.3032% | 1,856 |
| Net charge-offs to loans | -0.0288% | 5,223 |
| Credit loss provision to net charge-offs | -50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9174% | 1,276 |
| Assets per employee ($millions) | 2.5153% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 2,880 |
| Loan loss allowance to noncurrent loans | 62.7229% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3628% | 1,949 |
| Noncurrent loans to loans | 2.2445% | 1,115 |
| Net loans and leases to total assets | 59.8609% | 3,672 |
| Net loans and leases to deposits | 65.6923% | 4,183 |
| Net loans and leases to core deposits | 67.9844% | 4,325 |
| Total domestic deposits to total assets | 91.1231% | 326 |
| Equity capital to assets | 8.8150% | 5,490 |
| Core capital (leverage) ratio | 7.7266% | 6,055 |
| Tier 1 risk-based capital ratio | 12.4662% | 4,928 |
| Total risk-based capital ratio | 13.7163% | 4,843 |
| Memoranda: | ||
| Average total assets | $44,041,500 | 5,870 |
| Average earning assets | $40,335,500 | 5,854 |
| Average equity | $3,943,500 | 6,058 |
| Average total loans | $27,776,500 | 5,605 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,678 |
| Cost of funding earning assets | 0.3398% | 4,369 |
| Net interest margin | 4.2164% | 1,254 |
| Noninterest income to average assets | 0.6129% | 2,785 |
| Noninterest expense to average assets | 4.0237% | 733 |
| Loan and lease loss provision to assets | 0.0459% | 3,656 |
| Net operating income to assets | 0.3879% | 5,257 |
| Return on assets (ROA) | 0.3879% | 5,327 |
| Pretax return on assets | 0.3879% | 5,511 |
| Return on Equity (ROE) | 4.3771% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.2893% | 3,890 |
| Net charge-offs to loans | 0.0368% | 4,102 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 18.9000% | 1,813 |
| Efficiency ratio | 90.2678% | 826 |
| Assets per employee ($millions) | 2.3782% | 6,233 |
| Cash dividends to net income (ytd only)* | 24.8521% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3683% | 3,097 |
| Loan loss allowance to noncurrent loans | 372.8155% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 5,059 |
| Noncurrent loans to loans | 0.3670% | 4,552 |
| Net loans and leases to total assets | 64.6608% | 3,112 |
| Net loans and leases to deposits | 74.0681% | 3,428 |
| Net loans and leases to core deposits | 76.3987% | 3,666 |
| Total domestic deposits to total assets | 87.2991% | 2,129 |
| Equity capital to assets | 9.1011% | 5,175 |
| Core capital (leverage) ratio | 8.8184% | 5,227 |
| Tier 1 risk-based capital ratio | 14.2117% | 3,958 |
| Total risk-based capital ratio | 15.4640% | 3,889 |
| Memoranda: | ||
| Average total assets | $43,566,400 | 5,939 |
| Average earning assets | $39,726,200 | 5,924 |
| Average equity | $3,861,000 | 6,118 |
| Average total loans | $27,169,400 | 5,688 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 1,741 |
| Cost of funding earning assets | 0.3529% | 4,316 |
| Net interest margin | 4.1846% | 1,338 |
| Noninterest income to average assets | 0.6125% | 2,791 |
| Noninterest expense to average assets | 3.9003% | 843 |
| Loan and lease loss provision to assets | 0.0548% | 3,279 |
| Net operating income to assets | 0.4510% | 5,071 |
| Return on assets (ROA) | 0.4510% | 5,147 |
| Pretax return on assets | 0.4510% | 5,462 |
| Return on Equity (ROE) | 5.1225% | 4,665 |
| Retained earnings to average equity (ytd only) | 5.1225% | 3,003 |
| Net charge-offs to loans | 0.0495% | 3,508 |
| Credit loss provision to net charge-offs | 180.0000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 16.6039% | 1,957 |
| Efficiency ratio | 88.5201% | 958 |
| Assets per employee ($millions) | 2.3046% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 3,359 |
| Loan loss allowance to noncurrent loans | 209.8901% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 4,671 |
| Noncurrent loans to loans | 0.6473% | 3,993 |
| Net loans and leases to total assets | 63.3416% | 3,293 |
| Net loans and leases to deposits | 69.6832% | 3,955 |
| Net loans and leases to core deposits | 71.7378% | 4,175 |
| Total domestic deposits to total assets | 90.8993% | 391 |
| Equity capital to assets | 8.9956% | 5,355 |
| Core capital (leverage) ratio | 8.7015% | 5,436 |
| Tier 1 risk-based capital ratio | 14.1215% | 4,128 |
| Total risk-based capital ratio | 15.3741% | 4,064 |
| Memoranda: | ||
| Average total assets | $43,756,000 | 6,002 |
| Average earning assets | $39,668,000 | 5,997 |
| Average equity | $3,852,250 | 6,188 |
| Average total loans | $26,945,750 | 5,756 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,679 |
| Cost of funding earning assets | 0.3614% | 4,304 |
| Net interest margin | 4.1843% | 1,287 |
| Noninterest income to average assets | 0.5532% | 3,096 |
| Noninterest expense to average assets | 3.8724% | 880 |
| Loan and lease loss provision to assets | 0.0549% | 3,199 |
| Net operating income to assets | 0.3840% | 5,282 |
| Return on assets (ROA) | 0.3840% | 5,351 |
| Pretax return on assets | 0.3840% | 5,605 |
| Return on Equity (ROE) | 4.3941% | 4,976 |
| Retained earnings to average equity (ytd only) | 4.3941% | 3,382 |
| Net charge-offs to loans | 0.0151% | 3,933 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 932 |
| Efficiency ratio | 89.8197% | 935 |
| Assets per employee ($millions) | 2.3554% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 3,341 |
| Loan loss allowance to noncurrent loans | 480.0000% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 5,604 |
| Noncurrent loans to loans | 0.2920% | 5,144 |
| Net loans and leases to total assets | 60.3615% | 3,659 |
| Net loans and leases to deposits | 66.1483% | 4,258 |
| Net loans and leases to core deposits | 68.0462% | 4,461 |
| Total domestic deposits to total assets | 91.2518% | 323 |
| Equity capital to assets | 8.6700% | 5,641 |
| Core capital (leverage) ratio | 8.4282% | 5,715 |
| Tier 1 risk-based capital ratio | 13.3265% | 4,704 |
| Total risk-based capital ratio | 14.5782% | 4,638 |
| Memoranda: | ||
| Average total assets | $43,745,330 | 6,065 |
| Average earning assets | $39,290,000 | 6,066 |
| Average equity | $3,823,330 | 6,239 |
| Average total loans | $26,555,000 | 5,819 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 1,459 |
| Cost of funding earning assets | 0.3648% | 4,383 |
| Net interest margin | 4.2527% | 1,092 |
| Noninterest income to average assets | 0.4718% | 3,618 |
| Noninterest expense to average assets | 3.6169% | 1,281 |
| Loan and lease loss provision to assets | 0.0555% | 3,005 |
| Net operating income to assets | 0.5735% | 4,333 |
| Return on assets (ROA) | 0.5735% | 4,409 |
| Pretax return on assets | 0.5735% | 4,922 |
| Return on Equity (ROE) | 6.5349% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.5349% | 2,262 |
| Net charge-offs to loans | -0.0306% | 5,569 |
| Credit loss provision to net charge-offs | -300.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1852% | 1,522 |
| Assets per employee ($millions) | 2.4112% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 3,388 |
| Loan loss allowance to noncurrent loans | 439.0805% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 5,650 |
| Noncurrent loans to loans | 0.3292% | 5,122 |
| Net loans and leases to total assets | 56.8594% | 4,030 |
| Net loans and leases to deposits | 62.0598% | 4,539 |
| Net loans and leases to core deposits | 63.7909% | 4,706 |
| Total domestic deposits to total assets | 91.6203% | 348 |
| Equity capital to assets | 8.3099% | 5,816 |
| Core capital (leverage) ratio | 8.3471% | 5,801 |
| Tier 1 risk-based capital ratio | 14.0331% | 4,314 |
| Total risk-based capital ratio | 15.2859% | 4,245 |
| Memoranda: | ||
| Average total assets | $43,242,000 | 6,134 |
| Average earning assets | $38,375,500 | 6,153 |
| Average equity | $3,795,000 | 6,289 |
| Average total loans | $26,134,000 | 5,890 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 962 |
| Cost of funding earning assets | 0.3629% | 5,021 |
| Net interest margin | 4.6124% | 599 |
| Noninterest income to average assets | 0.6990% | 2,551 |
| Noninterest expense to average assets | 4.5359% | 512 |
| Loan and lease loss provision to assets | 0.0725% | 3,663 |
| Net operating income to assets | 0.2693% | 5,620 |
| Return on assets (ROA) | 0.2693% | 5,704 |
| Pretax return on assets | 0.2693% | 5,806 |
| Return on Equity (ROE) | 2.7048% | 5,617 |
| Retained earnings to average equity (ytd only) | 0.6242% | 5,552 |
| Net charge-offs to loans | -0.0127% | 6,060 |
| Credit loss provision to net charge-offs | -933.3333% | 6,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9936% | 807 |
| Assets per employee ($millions) | 2.1406% | 6,595 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 3,430 |
| Loan loss allowance to noncurrent loans | 3,116.6667% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 5,822 |
| Noncurrent loans to loans | 0.0464% | 6,095 |
| Net loans and leases to total assets | 62.6073% | 3,275 |
| Net loans and leases to deposits | 69.0709% | 3,897 |
| Net loans and leases to core deposits | 73.4312% | 3,903 |
| Total domestic deposits to total assets | 90.6420% | 732 |
| Equity capital to assets | 9.3015% | 4,690 |
| Core capital (leverage) ratio | 9.1316% | 4,808 |
| Tier 1 risk-based capital ratio | 13.1995% | 4,851 |
| Total risk-based capital ratio | 14.4158% | 4,818 |
| Memoranda: | ||
| Average total assets | $38,625,000 | 6,327 |
| Average earning assets | $34,992,600 | 6,319 |
| Average equity | $3,845,000 | 6,363 |
| Average total loans | $23,597,600 | 6,052 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 906 |
| Cost of funding earning assets | 0.3646% | 5,148 |
| Net interest margin | 4.6553% | 558 |
| Noninterest income to average assets | 0.6996% | 2,612 |
| Noninterest expense to average assets | 4.4777% | 533 |
| Loan and lease loss provision to assets | 0.0770% | 3,522 |
| Net operating income to assets | 0.3883% | 5,290 |
| Return on assets (ROA) | 0.3883% | 5,427 |
| Pretax return on assets | 0.3883% | 5,655 |
| Return on Equity (ROE) | 3.8337% | 5,294 |
| Retained earnings to average equity (ytd only) | 3.8337% | 3,959 |
| Net charge-offs to loans | -0.0695% | 6,403 |
| Credit loss provision to net charge-offs | -183.3333% | 5,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5874% | 949 |
| Assets per employee ($millions) | 1.9928% | 6,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,292 |
| Loan loss allowance to noncurrent loans | 546.3768% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 5,892 |
| Noncurrent loans to loans | 0.2813% | 5,526 |
| Net loans and leases to total assets | 63.7799% | 3,029 |
| Net loans and leases to deposits | 71.2759% | 3,603 |
| Net loans and leases to core deposits | 75.6003% | 3,661 |
| Total domestic deposits to total assets | 89.4831% | 1,313 |
| Equity capital to assets | 10.2263% | 3,604 |
| Core capital (leverage) ratio | 9.6178% | 4,223 |
| Tier 1 risk-based capital ratio | 14.3741% | 4,167 |
| Total risk-based capital ratio | 15.6263% | 4,117 |
| Memoranda: | ||
| Average total assets | $38,113,500 | 6,411 |
| Average earning assets | $34,741,000 | 6,396 |
| Average equity | $3,860,500 | 6,438 |
| Average total loans | $23,037,750 | 6,138 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0498% | 843 |
| Cost of funding earning assets | 0.3756% | 5,182 |
| Net interest margin | 4.6742% | 531 |
| Noninterest income to average assets | 0.6545% | 2,889 |
| Noninterest expense to average assets | 4.5344% | 507 |
| Loan and lease loss provision to assets | 0.0838% | 3,403 |
| Net operating income to assets | 0.2723% | 5,705 |
| Return on assets (ROA) | 0.2723% | 5,843 |
| Pretax return on assets | 0.2723% | 5,948 |
| Return on Equity (ROE) | 2.6966% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.6966% | 4,594 |
| Net charge-offs to loans | -0.0799% | 6,431 |
| Credit loss provision to net charge-offs | -177.7778% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7195% | 841 |
| Assets per employee ($millions) | 2.0142% | 6,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 3,386 |
| Loan loss allowance to noncurrent loans | 1,936.8421% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 6,357 |
| Noncurrent loans to loans | 0.0798% | 6,155 |
| Net loans and leases to total assets | 61.2689% | 3,431 |
| Net loans and leases to deposits | 69.5035% | 3,787 |
| Net loans and leases to core deposits | 71.1399% | 4,155 |
| Total domestic deposits to total assets | 88.1523% | 2,139 |
| Equity capital to assets | 9.9375% | 3,987 |
| Core capital (leverage) ratio | 9.5471% | 4,171 |
| Tier 1 risk-based capital ratio | 14.1284% | 4,339 |
| Total risk-based capital ratio | 15.3752% | 4,299 |
| Memoranda: | ||
| Average total assets | $38,197,000 | 6,449 |
| Average earning assets | $34,615,330 | 6,443 |
| Average equity | $3,856,670 | 6,482 |
| Average total loans | $22,541,670 | 6,191 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 939 |
| Cost of funding earning assets | 0.3962% | 5,143 |
| Net interest margin | 4.5794% | 580 |
| Noninterest income to average assets | 0.5660% | 3,338 |
| Noninterest expense to average assets | 4.3081% | 625 |
| Loan and lease loss provision to assets | 0.0943% | 3,090 |
| Net operating income to assets | 0.2830% | 5,617 |
| Return on assets (ROA) | 0.2830% | 5,740 |
| Pretax return on assets | 0.2830% | 5,893 |
| Return on Equity (ROE) | 2.7810% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.7810% | 4,619 |
| Net charge-offs to loans | -0.1096% | 6,481 |
| Credit loss provision to net charge-offs | -150.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9463% | 989 |
| Assets per employee ($millions) | 2.0712% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 3,325 |
| Loan loss allowance to noncurrent loans | 158.4071% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 4,955 |
| Noncurrent loans to loans | 1.0215% | 4,090 |
| Net loans and leases to total assets | 55.3122% | 4,200 |
| Net loans and leases to deposits | 61.4366% | 4,626 |
| Net loans and leases to core deposits | 62.8106% | 4,872 |
| Total domestic deposits to total assets | 90.0313% | 1,029 |
| Equity capital to assets | 9.8646% | 4,324 |
| Core capital (leverage) ratio | 9.4194% | 4,209 |
| Tier 1 risk-based capital ratio | 14.7151% | 4,028 |
| Total risk-based capital ratio | 15.9947% | 3,969 |
| Memoranda: | ||
| Average total assets | $38,161,000 | 6,511 |
| Average earning assets | $34,327,500 | 6,513 |
| Average equity | $3,883,500 | 6,541 |
| Average total loans | $21,905,000 | 6,282 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 1,748 |
| Cost of funding earning assets | 0.5174% | 5,093 |
| Net interest margin | 4.4129% | 1,139 |
| Noninterest income to average assets | 0.6043% | 3,256 |
| Noninterest expense to average assets | 4.3566% | 647 |
| Loan and lease loss provision to assets | 0.0833% | 4,660 |
| Net operating income to assets | 0.1048% | 6,006 |
| Return on assets (ROA) | 0.1048% | 6,143 |
| Pretax return on assets | 0.1048% | 6,153 |
| Return on Equity (ROE) | 0.9971% | 6,134 |
| Retained earnings to average equity (ytd only) | -0.5369% | 5,943 |
| Net charge-offs to loans | 0.0738% | 4,943 |
| Credit loss provision to net charge-offs | 206.6667% | 1,239 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,293 |
| Efficiency ratio | 95.8629% | 715 |
| Assets per employee ($millions) | 1.9457% | 6,917 |
| Cash dividends to net income (ytd only)* | 153.8462% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 3,398 |
| Loan loss allowance to noncurrent loans | 152.4444% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 4,956 |
| Noncurrent loans to loans | 1.0376% | 4,139 |
| Net loans and leases to total assets | 57.7294% | 4,026 |
| Net loans and leases to deposits | 66.7271% | 4,177 |
| Net loans and leases to core deposits | 68.3841% | 4,495 |
| Total domestic deposits to total assets | 86.5157% | 3,089 |
| Equity capital to assets | 10.5088% | 3,520 |
| Core capital (leverage) ratio | 9.7335% | 3,758 |
| Tier 1 risk-based capital ratio | 14.3320% | 4,141 |
| Total risk-based capital ratio | 15.5832% | 4,101 |
| Memoranda: | ||
| Average total assets | $37,230,800 | 6,576 |
| Average earning assets | $33,243,400 | 6,578 |
| Average equity | $3,911,200 | 6,585 |
| Average total loans | $20,322,800 | 6,411 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 2,076 |
| Cost of funding earning assets | 0.5453% | 5,126 |
| Net interest margin | 4.3377% | 1,381 |
| Noninterest income to average assets | 0.5863% | 3,374 |
| Noninterest expense to average assets | 4.0933% | 834 |
| Loan and lease loss provision to assets | 0.0786% | 4,655 |
| Net operating income to assets | 0.2538% | 5,772 |
| Return on assets (ROA) | 0.2538% | 5,964 |
| Pretax return on assets | 0.2538% | 6,035 |
| Return on Equity (ROE) | 2.4162% | 5,913 |
| Retained earnings to average equity (ytd only) | 2.4162% | 5,126 |
| Net charge-offs to loans | 0.0534% | 4,905 |
| Credit loss provision to net charge-offs | 275.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 11.6214% | 2,064 |
| Efficiency ratio | 92.4879% | 859 |
| Assets per employee ($millions) | 2.0102% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 3,787 |
| Loan loss allowance to noncurrent loans | 126.2963% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 4,919 |
| Noncurrent loans to loans | 1.2174% | 4,018 |
| Net loans and leases to total assets | 57.1780% | 4,262 |
| Net loans and leases to deposits | 63.9604% | 4,716 |
| Net loans and leases to core deposits | 65.4440% | 5,005 |
| Total domestic deposits to total assets | 89.3960% | 1,195 |
| Equity capital to assets | 10.4784% | 3,869 |
| Core capital (leverage) ratio | 9.9657% | 3,590 |
| Tier 1 risk-based capital ratio | 14.6086% | 4,114 |
| Total risk-based capital ratio | 15.8603% | 4,083 |
| Memoranda: | ||
| Average total assets | $37,296,250 | 6,660 |
| Average earning assets | $33,011,750 | 6,666 |
| Average equity | $3,917,750 | 6,665 |
| Average total loans | $19,982,250 | 6,513 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 2,373 |
| Cost of funding earning assets | 0.5994% | 4,907 |
| Net interest margin | 4.2327% | 1,661 |
| Noninterest income to average assets | 0.5784% | 3,385 |
| Noninterest expense to average assets | 4.3787% | 604 |
| Loan and lease loss provision to assets | 0.0703% | 4,751 |
| Net operating income to assets | -0.1676% | 6,510 |
| Return on assets (ROA) | -0.1676% | 6,594 |
| Pretax return on assets | -0.1676% | 6,568 |
| Return on Equity (ROE) | -1.5940% | 6,588 |
| Retained earnings to average equity (ytd only) | -1.5940% | 6,304 |
| Net charge-offs to loans | 0.1143% | 4,030 |
| Credit loss provision to net charge-offs | 118.1818% | 2,328 |
| Earnings coverage of net charge-offs (x) | -1.6364% | 5,362 |
| Efficiency ratio | 102.2727% | 487 |
| Assets per employee ($millions) | 2.3428% | 6,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 3,541 |
| Loan loss allowance to noncurrent loans | 95.9184% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 4,537 |
| Noncurrent loans to loans | 1.6876% | 3,364 |
| Net loans and leases to total assets | 53.3440% | 4,907 |
| Net loans and leases to deposits | 59.6006% | 5,277 |
| Net loans and leases to core deposits | 61.0062% | 5,489 |
| Total domestic deposits to total assets | 89.5025% | 1,218 |
| Equity capital to assets | 10.3935% | 3,821 |
| Core capital (leverage) ratio | 9.6779% | 3,873 |
| Tier 1 risk-based capital ratio | 14.9420% | 3,802 |
| Total risk-based capital ratio | 16.1803% | 3,761 |
| Memoranda: | ||
| Average total assets | $36,997,330 | 6,711 |
| Average earning assets | $32,366,670 | 6,727 |
| Average equity | $3,889,670 | 6,716 |
| Average total loans | $19,250,000 | 6,592 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 2,122 |
| Cost of funding earning assets | 0.6276% | 4,916 |
| Net interest margin | 4.3053% | 1,454 |
| Noninterest income to average assets | 0.5550% | 3,529 |
| Noninterest expense to average assets | 4.3860% | 602 |
| Loan and lease loss provision to assets | 0.0653% | 4,604 |
| Net operating income to assets | -0.1632% | 6,596 |
| Return on assets (ROA) | -0.1632% | 6,657 |
| Pretax return on assets | -0.1632% | 6,640 |
| Return on Equity (ROE) | -1.5438% | 6,656 |
| Retained earnings to average equity (ytd only) | -1.5438% | 6,219 |
| Net charge-offs to loans | -0.0428% | 6,474 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2843% | 490 |
| Assets per employee ($millions) | 2.3846% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 3,042 |
| Loan loss allowance to noncurrent loans | 60.1436% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 3,676 |
| Noncurrent loans to loans | 2.9686% | 2,176 |
| Net loans and leases to total assets | 48.3003% | 5,515 |
| Net loans and leases to deposits | 53.8468% | 5,823 |
| Net loans and leases to core deposits | 55.0912% | 5,980 |
| Total domestic deposits to total assets | 89.6994% | 1,246 |
| Equity capital to assets | 10.1565% | 3,905 |
| Core capital (leverage) ratio | 9.6805% | 3,796 |
| Tier 1 risk-based capital ratio | 15.6697% | 3,353 |
| Total risk-based capital ratio | 16.9152% | 3,327 |
| Memoranda: | ||
| Average total assets | $36,753,500 | 6,772 |
| Average earning assets | $31,868,000 | 6,799 |
| Average equity | $3,886,500 | 6,753 |
| Average total loans | $18,712,500 | 6,676 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0970% | 2,466 |
| Cost of funding earning assets | 0.7399% | 5,280 |
| Net interest margin | 4.3571% | 1,521 |
| Noninterest income to average assets | 0.6319% | 2,996 |
| Noninterest expense to average assets | 3.8484% | 1,263 |
| Loan and lease loss provision to assets | 0.0512% | 5,952 |
| Net operating income to assets | 0.7191% | 3,393 |
| Return on assets (ROA) | 0.7191% | 3,565 |
| Pretax return on assets | 0.7191% | 4,256 |
| Return on Equity (ROE) | 6.3866% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.7833% | 2,799 |
| Net charge-offs to loans | 0.3425% | 3,689 |
| Credit loss provision to net charge-offs | 27.4194% | 5,819 |
| Earnings coverage of net charge-offs (x) | 4.1290% | 3,253 |
| Efficiency ratio | 83.3225% | 1,845 |
| Assets per employee ($millions) | 2.7195% | 6,578 |
| Cash dividends to net income (ytd only)* | 25.1046% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7522% | 3,019 |
| Loan loss allowance to noncurrent loans | 56.0892% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7905% | 3,266 |
| Noncurrent loans to loans | 3.1240% | 2,070 |
| Net loans and leases to total assets | 51.8612% | 5,333 |
| Net loans and leases to deposits | 58.3657% | 5,666 |
| Net loans and leases to core deposits | 60.3284% | 5,819 |
| Total domestic deposits to total assets | 88.8556% | 1,629 |
| Equity capital to assets | 11.0256% | 2,955 |
| Core capital (leverage) ratio | 10.8612% | 2,384 |
| Tier 1 risk-based capital ratio | 16.2577% | 2,927 |
| Total risk-based capital ratio | 17.5090% | 2,891 |
| Memoranda: | ||
| Average total assets | $33,235,000 | 6,887 |
| Average earning assets | $30,410,000 | 6,856 |
| Average equity | $3,742,200 | 6,816 |
| Average total loans | $18,102,000 | 6,746 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 2,351 |
| Cost of funding earning assets | 0.7722% | 5,321 |
| Net interest margin | 4.3858% | 1,446 |
| Noninterest income to average assets | 0.6563% | 2,844 |
| Noninterest expense to average assets | 3.9381% | 1,090 |
| Loan and lease loss provision to assets | 0.0326% | 6,032 |
| Net operating income to assets | 0.7379% | 3,437 |
| Return on assets (ROA) | 0.7379% | 3,607 |
| Pretax return on assets | 0.7379% | 4,351 |
| Return on Equity (ROE) | 6.5167% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.5167% | 2,232 |
| Net charge-offs to loans | 0.1856% | 4,315 |
| Credit loss provision to net charge-offs | 32.0000% | 5,381 |
| Earnings coverage of net charge-offs (x) | 7.5605% | 2,340 |
| Efficiency ratio | 83.6364% | 1,766 |
| Assets per employee ($millions) | 2.7686% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 2,405 |
| Loan loss allowance to noncurrent loans | 79.7753% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 4,132 |
| Noncurrent loans to loans | 2.4736% | 2,803 |
| Net loans and leases to total assets | 53.0807% | 5,308 |
| Net loans and leases to deposits | 60.2473% | 5,602 |
| Net loans and leases to core deposits | 61.8772% | 5,822 |
| Total domestic deposits to total assets | 88.1046% | 1,984 |
| Equity capital to assets | 11.7328% | 2,465 |
| Core capital (leverage) ratio | 11.1863% | 2,242 |
| Tier 1 risk-based capital ratio | 16.7063% | 2,762 |
| Total risk-based capital ratio | 17.9590% | 2,729 |
| Memoranda: | ||
| Average total assets | $32,705,250 | 6,963 |
| Average earning assets | $30,218,000 | 6,930 |
| Average equity | $3,703,250 | 6,884 |
| Average total loans | $17,962,000 | 6,822 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 2,557 |
| Cost of funding earning assets | 0.7984% | 5,375 |
| Net interest margin | 4.3286% | 1,571 |
| Noninterest income to average assets | 0.7316% | 2,369 |
| Noninterest expense to average assets | 3.7193% | 1,494 |
| Loan and lease loss provision to assets | 0.0123% | 6,121 |
| Net operating income to assets | 1.0328% | 2,098 |
| Return on assets (ROA) | 1.0328% | 2,192 |
| Pretax return on assets | 1.0328% | 3,111 |
| Return on Equity (ROE) | 9.2350% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.2350% | 1,040 |
| Net charge-offs to loans | 0.0111% | 5,698 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 211 |
| Efficiency ratio | 78.0645% | 2,699 |
| Assets per employee ($millions) | 2.7220% | 6,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0674% | 2,188 |
| Loan loss allowance to noncurrent loans | 270.2899% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 6,086 |
| Noncurrent loans to loans | 0.7649% | 5,380 |
| Net loans and leases to total assets | 54.0932% | 5,285 |
| Net loans and leases to deposits | 61.3486% | 5,571 |
| Net loans and leases to core deposits | 63.0338% | 5,807 |
| Total domestic deposits to total assets | 88.1735% | 2,029 |
| Equity capital to assets | 11.7010% | 2,325 |
| Core capital (leverage) ratio | 10.9010% | 2,340 |
| Tier 1 risk-based capital ratio | 12.9418% | 4,961 |
| Total risk-based capital ratio | 14.1926% | 4,941 |
| Memoranda: | ||
| Average total assets | $32,532,670 | 7,032 |
| Average earning assets | $30,310,000 | 6,988 |
| Average equity | $3,638,330 | 6,944 |
| Average total loans | $17,952,670 | 6,894 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1095% | 2,602 |
| Cost of funding earning assets | 0.8383% | 5,344 |
| Net interest margin | 4.2712% | 1,663 |
| Noninterest income to average assets | 0.6776% | 2,687 |
| Noninterest expense to average assets | 3.7084% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9240% | 2,465 |
| Return on assets (ROA) | 0.9240% | 2,523 |
| Pretax return on assets | 0.9240% | 3,414 |
| Return on Equity (ROE) | 8.4590% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.4590% | 1,567 |
| Net charge-offs to loans | -0.0223% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0532% | 2,520 |
| Assets per employee ($millions) | 2.7616% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 2,256 |
| Loan loss allowance to noncurrent loans | 143.4615% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 5,341 |
| Noncurrent loans to loans | 1.4408% | 4,308 |
| Net loans and leases to total assets | 53.3299% | 5,400 |
| Net loans and leases to deposits | 59.9980% | 5,729 |
| Net loans and leases to core deposits | 61.6063% | 5,961 |
| Total domestic deposits to total assets | 88.8862% | 1,847 |
| Equity capital to assets | 10.9026% | 2,773 |
| Core capital (leverage) ratio | 10.9825% | 2,207 |
| Tier 1 risk-based capital ratio | 12.3633% | 5,383 |
| Total risk-based capital ratio | 13.6105% | 5,378 |
| Memoranda: | ||
| Average total assets | $32,467,000 | 7,084 |
| Average earning assets | $30,061,500 | 7,047 |
| Average equity | $3,546,500 | 7,000 |
| Average total loans | $17,908,000 | 6,945 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 2,972 |
| Cost of funding earning assets | 1.2141% | 4,464 |
| Net interest margin | 4.1178% | 2,491 |
| Noninterest income to average assets | 0.8710% | 1,967 |
| Noninterest expense to average assets | 4.1281% | 990 |
| Loan and lease loss provision to assets | 0.0249% | 6,873 |
| Net operating income to assets | 0.5693% | 3,805 |
| Return on assets (ROA) | 0.5693% | 3,966 |
| Pretax return on assets | 0.5693% | 4,423 |
| Return on Equity (ROE) | 5.0552% | 4,046 |
| Retained earnings to average equity (ytd only) | 0.9116% | 5,091 |
| Net charge-offs to loans | 0.1400% | 5,521 |
| Credit loss provision to net charge-offs | 32.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | 7.6400% | 2,096 |
| Efficiency ratio | 87.4177% | 1,529 |
| Assets per employee ($millions) | 2.8905% | 6,350 |
| Cash dividends to net income (ytd only)* | 81.9672% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 2,085 |
| Loan loss allowance to noncurrent loans | 600.0000% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 6,733 |
| Noncurrent loans to loans | 0.3489% | 6,361 |
| Net loans and leases to total assets | 54.7193% | 5,535 |
| Net loans and leases to deposits | 61.5684% | 5,887 |
| Net loans and leases to core deposits | 63.2862% | 6,120 |
| Total domestic deposits to total assets | 88.8756% | 1,727 |
| Equity capital to assets | 10.9451% | 2,733 |
| Core capital (leverage) ratio | 10.4832% | 2,578 |
| Tier 1 risk-based capital ratio | 12.6124% | 4,925 |
| Total risk-based capital ratio | 13.8645% | 4,905 |
| Memoranda: | ||
| Average total assets | $32,145,200 | 7,142 |
| Average earning assets | $30,064,600 | 7,086 |
| Average equity | $3,620,000 | 7,102 |
| Average total loans | $17,856,200 | 7,035 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3667% | 3,046 |
| Cost of funding earning assets | 1.2755% | 4,401 |
| Net interest margin | 4.0913% | 2,665 |
| Noninterest income to average assets | 0.8687% | 1,918 |
| Noninterest expense to average assets | 4.0537% | 983 |
| Loan and lease loss provision to assets | 0.0331% | 6,743 |
| Net operating income to assets | 0.6163% | 3,809 |
| Return on assets (ROA) | 0.6163% | 3,977 |
| Pretax return on assets | 0.6163% | 4,544 |
| Return on Equity (ROE) | 5.4353% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.4353% | 2,689 |
| Net charge-offs to loans | 0.0522% | 6,001 |
| Credit loss provision to net charge-offs | 114.2857% | 3,659 |
| Earnings coverage of net charge-offs (x) | 22.4362% | 1,094 |
| Efficiency ratio | 86.1917% | 1,615 |
| Assets per employee ($millions) | 2.7498% | 6,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2227% | 1,757 |
| Loan loss allowance to noncurrent loans | 208.5561% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 6,020 |
| Noncurrent loans to loans | 1.0658% | 5,109 |
| Net loans and leases to total assets | 51.9926% | 6,104 |
| Net loans and leases to deposits | 58.8825% | 6,388 |
| Net loans and leases to core deposits | 60.4723% | 6,574 |
| Total domestic deposits to total assets | 88.2989% | 1,796 |
| Equity capital to assets | 11.4829% | 2,548 |
| Core capital (leverage) ratio | 10.9668% | 2,284 |
| Tier 1 risk-based capital ratio | 13.3557% | 4,309 |
| Total risk-based capital ratio | 14.5868% | 4,288 |
| Memoranda: | ||
| Average total assets | $32,232,750 | 7,223 |
| Average earning assets | $30,210,000 | 7,168 |
| Average equity | $3,655,000 | 7,184 |
| Average total loans | $17,877,750 | 7,126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 2,946 |
| Cost of funding earning assets | 1.3633% | 4,098 |
| Net interest margin | 4.0431% | 2,824 |
| Noninterest income to average assets | 0.8318% | 1,965 |
| Noninterest expense to average assets | 3.8714% | 1,228 |
| Loan and lease loss provision to assets | 0.0500% | 6,468 |
| Net operating income to assets | 0.6942% | 3,425 |
| Return on assets (ROA) | 0.6942% | 3,582 |
| Pretax return on assets | 0.6942% | 4,257 |
| Return on Equity (ROE) | 6.1490% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.1490% | 2,252 |
| Net charge-offs to loans | 0.2224% | 4,268 |
| Credit loss provision to net charge-offs | 40.0000% | 5,613 |
| Earnings coverage of net charge-offs (x) | 5.9500% | 2,562 |
| Efficiency ratio | 83.8753% | 1,932 |
| Assets per employee ($millions) | 2.6480% | 6,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0734% | 2,026 |
| Loan loss allowance to noncurrent loans | 142.8030% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 5,459 |
| Noncurrent loans to loans | 1.4519% | 4,530 |
| Net loans and leases to total assets | 56.0360% | 5,694 |
| Net loans and leases to deposits | 63.4863% | 6,091 |
| Net loans and leases to core deposits | 65.2665% | 6,292 |
| Total domestic deposits to total assets | 88.2647% | 1,844 |
| Equity capital to assets | 11.5496% | 2,402 |
| Core capital (leverage) ratio | 11.0291% | 2,217 |
| Tier 1 risk-based capital ratio | 14.0874% | 3,669 |
| Total risk-based capital ratio | 15.3403% | 3,627 |
| Memoranda: | ||
| Average total assets | $31,978,000 | 7,283 |
| Average earning assets | $29,927,330 | 7,233 |
| Average equity | $3,610,330 | 7,234 |
| Average total loans | $17,988,330 | 7,175 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 3,441 |
| Cost of funding earning assets | 1.4633% | 3,789 |
| Net interest margin | 3.8577% | 3,524 |
| Noninterest income to average assets | 0.6858% | 2,689 |
| Noninterest expense to average assets | 3.5537% | 1,834 |
| Loan and lease loss provision to assets | 0.0748% | 5,891 |
| Net operating income to assets | 0.6733% | 3,556 |
| Return on assets (ROA) | 0.6733% | 3,673 |
| Pretax return on assets | 0.6733% | 4,325 |
| Return on Equity (ROE) | 6.0327% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.0327% | 2,609 |
| Net charge-offs to loans | 0.4919% | 2,590 |
| Credit loss provision to net charge-offs | 27.2727% | 4,858 |
| Earnings coverage of net charge-offs (x) | 2.7273% | 3,181 |
| Efficiency ratio | 82.6087% | 2,192 |
| Assets per employee ($millions) | 2.9396% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 1,934 |
| Loan loss allowance to noncurrent loans | 82.8889% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.3916% | 4,422 |
| Noncurrent loans to loans | 2.5483% | 3,126 |
| Net loans and leases to total assets | 53.4574% | 6,095 |
| Net loans and leases to deposits | 60.3899% | 6,431 |
| Net loans and leases to core deposits | 63.1798% | 6,511 |
| Total domestic deposits to total assets | 88.5205% | 1,778 |
| Equity capital to assets | 11.1578% | 2,627 |
| Core capital (leverage) ratio | 10.8049% | 2,368 |
| Tier 1 risk-based capital ratio | 14.2320% | 3,520 |
| Total risk-based capital ratio | 15.4817% | 3,490 |
| Memoranda: | ||
| Average total assets | $32,079,000 | 7,377 |
| Average earning assets | $30,070,000 | 7,317 |
| Average equity | $3,580,500 | 7,319 |
| Average total loans | $17,891,000 | 7,269 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8097% | 2,616 |
| Cost of funding earning assets | 1.8211% | 3,878 |
| Net interest margin | 3.9886% | 2,905 |
| Noninterest income to average assets | 0.9926% | 1,601 |
| Noninterest expense to average assets | 3.8011% | 1,693 |
| Loan and lease loss provision to assets | 0.1271% | 6,373 |
| Net operating income to assets | 0.7233% | 2,840 |
| Return on assets (ROA) | 0.7233% | 2,913 |
| Pretax return on assets | 0.7233% | 3,495 |
| Return on Equity (ROE) | 6.6644% | 2,922 |
| Retained earnings to average equity (ytd only) | 2.4817% | 3,406 |
| Net charge-offs to loans | 0.2002% | 5,395 |
| Credit loss provision to net charge-offs | 113.5135% | 4,831 |
| Earnings coverage of net charge-offs (x) | 7.5946% | 2,120 |
| Efficiency ratio | 81.7176% | 2,643 |
| Assets per employee ($millions) | 2.6518% | 6,946 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1464% | 1,741 |
| Loan loss allowance to noncurrent loans | 299.2308% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 5,628 |
| Noncurrent loans to loans | 0.7173% | 5,814 |
| Net loans and leases to total assets | 55.7287% | 5,994 |
| Net loans and leases to deposits | 62.9312% | 6,368 |
| Net loans and leases to core deposits | 77.6785% | 6,279 |
| Total domestic deposits to total assets | 88.5551% | 1,698 |
| Equity capital to assets | 11.1652% | 2,562 |
| Core capital (leverage) ratio | 10.6858% | 2,446 |
| Tier 1 risk-based capital ratio | 14.2070% | 3,374 |
| Total risk-based capital ratio | 15.4617% | 3,323 |
| Memoranda: | ||
| Average total assets | $33,043,000 | 7,362 |
| Average earning assets | $30,311,400 | 7,343 |
| Average equity | $3,586,200 | 7,418 |
| Average total loans | $18,482,600 | 7,287 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9358% | 2,294 |
| Cost of funding earning assets | 1.9100% | 3,828 |
| Net interest margin | 4.0259% | 2,701 |
| Noninterest income to average assets | 0.9756% | 1,684 |
| Noninterest expense to average assets | 3.6743% | 1,879 |
| Loan and lease loss provision to assets | 0.1439% | 5,915 |
| Net operating income to assets | 0.8316% | 2,691 |
| Return on assets (ROA) | 0.8316% | 2,752 |
| Pretax return on assets | 0.8316% | 3,437 |
| Return on Equity (ROE) | 7.7154% | 2,763 |
| Retained earnings to average equity (ytd only) | 7.7154% | 1,228 |
| Net charge-offs to loans | 0.2225% | 4,654 |
| Credit loss provision to net charge-offs | 116.1290% | 4,372 |
| Earnings coverage of net charge-offs (x) | 7.8715% | 2,335 |
| Efficiency ratio | 79.0198% | 2,993 |
| Assets per employee ($millions) | 2.6911% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1363% | 1,526 |
| Loan loss allowance to noncurrent loans | 147.9087% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8144% | 5,467 |
| Noncurrent loans to loans | 1.4443% | 4,506 |
| Net loans and leases to total assets | 55.1822% | 6,248 |
| Net loans and leases to deposits | 62.7619% | 6,604 |
| Net loans and leases to core deposits | 75.9656% | 6,616 |
| Total domestic deposits to total assets | 87.9231% | 1,694 |
| Equity capital to assets | 11.5598% | 2,542 |
| Core capital (leverage) ratio | 10.9649% | 2,426 |
| Tier 1 risk-based capital ratio | 14.3736% | 3,343 |
| Total risk-based capital ratio | 15.6288% | 3,288 |
| Memoranda: | ||
| Average total assets | $33,348,250 | 7,411 |
| Average earning assets | $30,435,750 | 7,399 |
| Average equity | $3,594,500 | 7,479 |
| Average total loans | $18,572,500 | 7,345 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 2,008 |
| Cost of funding earning assets | 2.0513% | 3,512 |
| Net interest margin | 3.9908% | 2,735 |
| Noninterest income to average assets | 0.9970% | 1,601 |
| Noninterest expense to average assets | 3.6855% | 1,867 |
| Loan and lease loss provision to assets | 0.1246% | 5,864 |
| Net operating income to assets | 0.7893% | 2,893 |
| Return on assets (ROA) | 0.7893% | 2,988 |
| Pretax return on assets | 0.7893% | 3,706 |
| Return on Equity (ROE) | 7.4965% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.4965% | 1,388 |
| Net charge-offs to loans | 0.0856% | 5,352 |
| Credit loss provision to net charge-offs | 262.5000% | 1,779 |
| Earnings coverage of net charge-offs (x) | 19.2500% | 1,372 |
| Efficiency ratio | 80.1290% | 3,023 |
| Assets per employee ($millions) | 2.7219% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 1,244 |
| Loan loss allowance to noncurrent loans | 84.2887% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 4,084 |
| Noncurrent loans to loans | 2.6094% | 2,774 |
| Net loans and leases to total assets | 54.0459% | 6,444 |
| Net loans and leases to deposits | 61.0092% | 6,815 |
| Net loans and leases to core deposits | 73.9548% | 6,795 |
| Total domestic deposits to total assets | 88.5865% | 1,486 |
| Equity capital to assets | 10.9390% | 2,977 |
| Core capital (leverage) ratio | 10.2390% | 3,056 |
| Tier 1 risk-based capital ratio | 10.5338% | 6,345 |
| Total risk-based capital ratio | 11.7345% | 6,338 |
| Memoranda: | ||
| Average total assets | $33,700,000 | 7,459 |
| Average earning assets | $30,420,330 | 7,465 |
| Average equity | $3,548,330 | 7,556 |
| Average total loans | $18,693,670 | 7,411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8908% | 2,846 |
| Cost of funding earning assets | 2.1386% | 3,472 |
| Net interest margin | 3.7522% | 3,649 |
| Noninterest income to average assets | 0.9352% | 1,718 |
| Noninterest expense to average assets | 3.5303% | 2,028 |
| Loan and lease loss provision to assets | 0.0818% | 5,920 |
| Net operating income to assets | 0.7481% | 3,358 |
| Return on assets (ROA) | 0.7481% | 3,533 |
| Pretax return on assets | 0.7481% | 4,260 |
| Return on Equity (ROE) | 7.2398% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.2398% | 2,115 |
| Net charge-offs to loans | 0.1472% | 3,787 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 1,973 |
| Efficiency ratio | 80.9651% | 2,677 |
| Assets per employee ($millions) | 3.1331% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 1,464 |
| Loan loss allowance to noncurrent loans | 75.5906% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.4740% | 3,721 |
| Noncurrent loans to loans | 2.6196% | 2,516 |
| Net loans and leases to total assets | 55.1532% | 6,342 |
| Net loans and leases to deposits | 61.8428% | 6,749 |
| Net loans and leases to core deposits | 76.1051% | 6,671 |
| Total domestic deposits to total assets | 89.1829% | 1,155 |
| Equity capital to assets | 10.3180% | 3,635 |
| Core capital (leverage) ratio | 9.8831% | 3,541 |
| Tier 1 risk-based capital ratio | 14.0303% | 3,570 |
| Total risk-based capital ratio | 15.2785% | 3,494 |
| Memoranda: | ||
| Average total assets | $34,218,500 | 7,486 |
| Average earning assets | $31,235,000 | 7,465 |
| Average equity | $3,536,000 | 7,615 |
| Average total loans | $19,015,500 | 7,438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7607% | 1,826 |
| Cost of funding earning assets | 2.5419% | 3,993 |
| Net interest margin | 4.2188% | 2,235 |
| Noninterest income to average assets | 0.7385% | 2,854 |
| Noninterest expense to average assets | 3.1113% | 3,654 |
| Loan and lease loss provision to assets | 0.8485% | 1,760 |
| Net operating income to assets | 0.5500% | 4,531 |
| Return on assets (ROA) | 0.5500% | 4,380 |
| Pretax return on assets | 0.5500% | 4,855 |
| Return on Equity (ROE) | 4.8503% | 4,452 |
| Retained earnings to average equity (ytd only) | -0.6929% | 5,509 |
| Net charge-offs to loans | 0.6540% | 1,896 |
| Credit loss provision to net charge-offs | 221.3115% | 2,164 |
| Earnings coverage of net charge-offs (x) | 3.6475% | 4,270 |
| Efficiency ratio | 68.9895% | 4,537 |
| Assets per employee ($millions) | 3.0885% | 5,809 |
| Cash dividends to net income (ytd only)* | 114.2857% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 1,132 |
| Loan loss allowance to noncurrent loans | 581.8182% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 6,008 |
| Noncurrent loans to loans | 0.3541% | 6,309 |
| Net loans and leases to total assets | 53.7338% | 6,683 |
| Net loans and leases to deposits | 60.1939% | 7,072 |
| Net loans and leases to core deposits | 73.5673% | 6,990 |
| Total domestic deposits to total assets | 89.2679% | 934 |
| Equity capital to assets | 10.3494% | 3,665 |
| Core capital (leverage) ratio | 10.3828% | 3,091 |
| Tier 1 risk-based capital ratio | 13.5014% | 3,820 |
| Total risk-based capital ratio | 14.7538% | 3,716 |
| Memoranda: | ||
| Average total assets | $31,819,400 | 7,574 |
| Average earning assets | $28,443,800 | 7,593 |
| Average equity | $3,608,000 | 7,645 |
| Average total loans | $18,653,600 | 7,419 |