Home > Southern Bank > Performance and Condition Ratios
Southern 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 | 6.2765% | 855 |
| Cost of funding earning assets | 2.9784% | 344 |
| Net interest margin | 3.2981% | 2,774 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 2.8109% | 1,498 |
| Loan and lease loss provision to assets | 0.1800% | 680 |
| Net operating income to assets | 0.2274% | 3,951 |
| Return on assets (ROA) | 0.2264% | 3,982 |
| Pretax return on assets | 0.2988% | 3,941 |
| Return on Equity (ROE) | 2.7000% | 3,911 |
| Retained earnings to average equity (ytd only) | 2.7018% | 3,165 |
| Net charge-offs to loans | 0.1468% | 664 |
| Credit loss provision to net charge-offs | 202.7027% | 888 |
| Earnings coverage of net charge-offs (x) | 5.5135% | 1,904 |
| Efficiency ratio | 85.3185% | 674 |
| Assets per employee ($millions) | 5.4385% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,019 |
| Loan loss allowance to noncurrent loans | 316.7160% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 1,575 |
| Noncurrent loans to loans | 0.3287% | 2,321 |
| Net loans and leases to total assets | 60.3500% | 2,846 |
| Net loans and leases to deposits | 71.0164% | 2,799 |
| Net loans and leases to core deposits | 82.3379% | 2,557 |
| Total domestic deposits to total assets | 84.9800% | 2,627 |
| Equity capital to assets | 8.4451% | 3,351 |
| Core capital (leverage) ratio | 9.3290% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $337,404,500 | 2,311 |
| Average earning assets | $306,603,500 | 2,344 |
| Average equity | $28,277,000 | 2,518 |
| Average total loans | $201,614,500 | 2,406 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4586% | 747 |
| Cost of funding earning assets | 3.3505% | 254 |
| Net interest margin | 3.1081% | 2,925 |
| Noninterest income to average assets | 0.2800% | 3,178 |
| Noninterest expense to average assets | 2.7827% | 1,540 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.1552% | 4,033 |
| Return on assets (ROA) | 0.1597% | 4,056 |
| Pretax return on assets | 0.1909% | 4,042 |
| Return on Equity (ROE) | 1.9900% | 3,986 |
| Retained earnings to average equity (ytd only) | 1.9920% | 3,374 |
| Net charge-offs to loans | 0.3064% | 492 |
| Credit loss provision to net charge-offs | 76.2712% | 2,154 |
| Earnings coverage of net charge-offs (x) | 1.7695% | 2,872 |
| Efficiency ratio | 89.4321% | 533 |
| Assets per employee ($millions) | 5.5348% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 2,975 |
| Loan loss allowance to noncurrent loans | 303.2305% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 1,531 |
| Noncurrent loans to loans | 0.3446% | 2,220 |
| Net loans and leases to total assets | 57.9200% | 3,113 |
| Net loans and leases to deposits | 67.9409% | 3,081 |
| Net loans and leases to core deposits | 78.6130% | 2,864 |
| Total domestic deposits to total assets | 85.2400% | 2,448 |
| Equity capital to assets | 8.3165% | 3,329 |
| Core capital (leverage) ratio | 9.3762% | 3,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $317,492,400 | 2,376 |
| Average earning assets | $288,762,000 | 2,400 |
| Average equity | $25,451,200 | 2,605 |
| Average total loans | $192,580,400 | 2,424 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4310% | 755 |
| Cost of funding earning assets | 3.3932% | 248 |
| Net interest margin | 3.0378% | 3,023 |
| Noninterest income to average assets | 0.3100% | 2,981 |
| Noninterest expense to average assets | 2.8065% | 1,449 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.1241% | 4,087 |
| Return on assets (ROA) | 0.1237% | 4,118 |
| Pretax return on assets | 0.1404% | 4,112 |
| Return on Equity (ROE) | 1.5600% | 4,074 |
| Retained earnings to average equity (ytd only) | 1.5594% | 3,577 |
| Net charge-offs to loans | 0.1087% | 936 |
| Credit loss provision to net charge-offs | 192.3077% | 1,105 |
| Earnings coverage of net charge-offs (x) | 4.0705% | 2,472 |
| Efficiency ratio | 91.1952% | 489 |
| Assets per employee ($millions) | 5.3472% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,396 |
| Loan loss allowance to noncurrent loans | 194.2928% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 1,227 |
| Noncurrent loans to loans | 0.5999% | 1,590 |
| Net loans and leases to total assets | 60.0800% | 2,918 |
| Net loans and leases to deposits | 69.7796% | 3,003 |
| Net loans and leases to core deposits | 82.0424% | 2,689 |
| Total domestic deposits to total assets | 86.1000% | 1,893 |
| Equity capital to assets | 8.5256% | 3,383 |
| Core capital (leverage) ratio | 9.5384% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $312,460,500 | 2,395 |
| Average earning assets | $284,367,500 | 2,427 |
| Average equity | $24,794,500 | 2,637 |
| Average total loans | $191,325,750 | 2,421 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3125% | 801 |
| Cost of funding earning assets | 3.3805% | 228 |
| Net interest margin | 2.9321% | 3,190 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.7971% | 1,470 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.1058% | 4,112 |
| Return on assets (ROA) | 0.1058% | 4,142 |
| Pretax return on assets | 0.1045% | 4,155 |
| Return on Equity (ROE) | 1.3700% | 4,101 |
| Retained earnings to average equity (ytd only) | 1.3707% | 3,515 |
| Net charge-offs to loans | 0.1618% | 642 |
| Credit loss provision to net charge-offs | 98.6842% | 1,511 |
| Earnings coverage of net charge-offs (x) | 2.0724% | 2,424 |
| Efficiency ratio | 93.1462% | 461 |
| Assets per employee ($millions) | 5.1320% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 2,689 |
| Loan loss allowance to noncurrent loans | 225.2556% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 1,163 |
| Noncurrent loans to loans | 0.4964% | 1,765 |
| Net loans and leases to total assets | 61.2300% | 2,844 |
| Net loans and leases to deposits | 70.8618% | 2,924 |
| Net loans and leases to core deposits | 83.0761% | 2,598 |
| Total domestic deposits to total assets | 86.4000% | 1,857 |
| Equity capital to assets | 8.4080% | 3,158 |
| Core capital (leverage) ratio | 9.6139% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $306,104,333 | 2,420 |
| Average earning assets | $278,303,000 | 2,453 |
| Average equity | $23,637,667 | 2,671 |
| Average total loans | $187,926,000 | 2,445 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2289% | 820 |
| Cost of funding earning assets | 3.3541% | 213 |
| Net interest margin | 2.8748% | 3,237 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.7581% | 1,550 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.1093% | 4,099 |
| Return on assets (ROA) | 0.1093% | 4,138 |
| Pretax return on assets | 0.0786% | 4,180 |
| Return on Equity (ROE) | 1.4900% | 4,072 |
| Retained earnings to average equity (ytd only) | 1.4855% | 3,371 |
| Net charge-offs to loans | 0.0109% | 1,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 12.8000% | 1,543 |
| Efficiency ratio | 96.9995% | 361 |
| Assets per employee ($millions) | 5.0099% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,266 |
| Loan loss allowance to noncurrent loans | 123.5955% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 954 |
| Noncurrent loans to loans | 0.9739% | 892 |
| Net loans and leases to total assets | 59.0900% | 2,952 |
| Net loans and leases to deposits | 66.4514% | 3,135 |
| Net loans and leases to core deposits | 80.0503% | 2,726 |
| Total domestic deposits to total assets | 88.9100% | 1,127 |
| Equity capital to assets | 7.3078% | 3,761 |
| Core capital (leverage) ratio | 8.5475% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $300,064,000 | 2,457 |
| Average earning assets | $272,858,500 | 2,495 |
| Average equity | $22,080,000 | 2,793 |
| Average total loans | $183,379,500 | 2,473 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8424% | 781 |
| Cost of funding earning assets | 2.4946% | 366 |
| Net interest margin | 3.3478% | 2,520 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.8754% | 1,322 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.1674% | 4,196 |
| Return on assets (ROA) | 0.1634% | 4,224 |
| Pretax return on assets | 0.2173% | 4,181 |
| Return on Equity (ROE) | 1.9000% | 4,166 |
| Retained earnings to average equity (ytd only) | 1.8984% | 3,603 |
| Net charge-offs to loans | 0.2554% | 416 |
| Credit loss provision to net charge-offs | 138.2979% | 1,543 |
| Earnings coverage of net charge-offs (x) | 2.7541% | 2,675 |
| Efficiency ratio | 86.2423% | 546 |
| Assets per employee ($millions) | 4.9087% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,307 |
| Loan loss allowance to noncurrent loans | 126.7395% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 866 |
| Noncurrent loans to loans | 0.9451% | 787 |
| Net loans and leases to total assets | 61.7200% | 2,698 |
| Net loans and leases to deposits | 70.3351% | 2,870 |
| Net loans and leases to core deposits | 85.3493% | 2,351 |
| Total domestic deposits to total assets | 87.7600% | 1,431 |
| Equity capital to assets | 7.4110% | 3,765 |
| Core capital (leverage) ratio | 9.2178% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $253,983,000 | 2,656 |
| Average earning assets | $231,702,000 | 2,675 |
| Average equity | $21,860,400 | 2,709 |
| Average total loans | $165,650,200 | 2,554 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6115% | 900 |
| Cost of funding earning assets | 2.2659% | 438 |
| Net interest margin | 3.3456% | 2,582 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.9411% | 1,157 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.1225% | 4,300 |
| Return on assets (ROA) | 0.1225% | 4,318 |
| Pretax return on assets | 0.1569% | 4,293 |
| Return on Equity (ROE) | 1.3700% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.3657% | 3,871 |
| Net charge-offs to loans | 0.3369% | 260 |
| Credit loss provision to net charge-offs | 105.6511% | 1,579 |
| Earnings coverage of net charge-offs (x) | 1.8108% | 2,514 |
| Efficiency ratio | 87.9496% | 443 |
| Assets per employee ($millions) | 4.8048% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,364 |
| Loan loss allowance to noncurrent loans | 248.0192% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 1,597 |
| Noncurrent loans to loans | 0.4837% | 1,616 |
| Net loans and leases to total assets | 64.3800% | 2,400 |
| Net loans and leases to deposits | 71.8434% | 2,718 |
| Net loans and leases to core deposits | 81.9444% | 2,472 |
| Total domestic deposits to total assets | 89.6200% | 1,037 |
| Equity capital to assets | 8.0219% | 3,044 |
| Core capital (leverage) ratio | 9.9540% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $243,848,000 | 2,723 |
| Average earning assets | $222,655,500 | 2,740 |
| Average equity | $21,868,750 | 2,692 |
| Average total loans | $161,064,750 | 2,597 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4876% | 844 |
| Cost of funding earning assets | 1.9917% | 503 |
| Net interest margin | 3.4959% | 2,279 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.9826% | 1,071 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.2017% | 4,277 |
| Return on assets (ROA) | 0.2017% | 4,299 |
| Pretax return on assets | 0.2590% | 4,267 |
| Return on Equity (ROE) | 2.1600% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.1637% | 3,683 |
| Net charge-offs to loans | 0.4576% | 186 |
| Credit loss provision to net charge-offs | 83.3333% | 1,536 |
| Earnings coverage of net charge-offs (x) | 1.6861% | 2,355 |
| Efficiency ratio | 85.3452% | 528 |
| Assets per employee ($millions) | 4.4689% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,250 |
| Loan loss allowance to noncurrent loans | 246.9489% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 1,363 |
| Noncurrent loans to loans | 0.5004% | 1,458 |
| Net loans and leases to total assets | 63.3400% | 2,451 |
| Net loans and leases to deposits | 71.2227% | 2,698 |
| Net loans and leases to core deposits | 81.6139% | 2,363 |
| Total domestic deposits to total assets | 88.9300% | 1,287 |
| Equity capital to assets | 8.7174% | 2,708 |
| Core capital (leverage) ratio | 10.4173% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $237,042,333 | 2,772 |
| Average earning assets | $216,997,000 | 2,780 |
| Average equity | $22,092,000 | 2,688 |
| Average total loans | $157,349,000 | 2,623 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 924 |
| Cost of funding earning assets | 1.6618% | 621 |
| Net interest margin | 3.5625% | 2,215 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.9249% | 1,184 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.2708% | 4,286 |
| Return on assets (ROA) | 0.2708% | 4,256 |
| Pretax return on assets | 0.3489% | 4,206 |
| Return on Equity (ROE) | 2.8100% | 4,207 |
| Retained earnings to average equity (ytd only) | 2.8070% | 3,547 |
| Net charge-offs to loans | 0.0308% | 1,091 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 29.2500% | 1,316 |
| Efficiency ratio | 82.7603% | 660 |
| Assets per employee ($millions) | 4.5477% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 1,746 |
| Loan loss allowance to noncurrent loans | 264.3636% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 1,107 |
| Noncurrent loans to loans | 0.5174% | 1,431 |
| Net loans and leases to total assets | 66.5000% | 2,009 |
| Net loans and leases to deposits | 73.7296% | 2,314 |
| Net loans and leases to core deposits | 86.3897% | 1,842 |
| Total domestic deposits to total assets | 90.2000% | 1,086 |
| Equity capital to assets | 9.4228% | 2,208 |
| Core capital (leverage) ratio | 11.1104% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $230,435,000 | 2,840 |
| Average earning assets | $212,546,000 | 2,844 |
| Average equity | $22,230,000 | 2,697 |
| Average total loans | $155,780,000 | 2,656 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 436 |
| Cost of funding earning assets | 0.7532% | 461 |
| Net interest margin | 4.0379% | 740 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 3.2913% | 629 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 0.2740% | 4,389 |
| Return on assets (ROA) | 0.2740% | 4,366 |
| Pretax return on assets | 0.3423% | 4,336 |
| Return on Equity (ROE) | 2.7900% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.7861% | 3,778 |
| Net charge-offs to loans | 0.0280% | 1,502 |
| Credit loss provision to net charge-offs | 1,666.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 34.1944% | 1,608 |
| Efficiency ratio | 83.1324% | 532 |
| Assets per employee ($millions) | 4.9865% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,362 |
| Loan loss allowance to noncurrent loans | 162.6866% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 929 |
| Noncurrent loans to loans | 0.6166% | 1,209 |
| Net loans and leases to total assets | 67.1100% | 1,918 |
| Net loans and leases to deposits | 74.7590% | 2,193 |
| Net loans and leases to core deposits | 85.2052% | 1,806 |
| Total domestic deposits to total assets | 89.7700% | 1,460 |
| Equity capital to assets | 9.8832% | 1,766 |
| Core capital (leverage) ratio | 11.6447% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $184,331,800 | 3,150 |
| Average earning assets | $170,212,200 | 3,150 |
| Average equity | $18,126,000 | 3,112 |
| Average total loans | $128,735,600 | 2,843 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 491 |
| Cost of funding earning assets | 0.5544% | 565 |
| Net interest margin | 3.9595% | 693 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 3.3410% | 563 |
| Loan and lease loss provision to assets | 0.3400% | 190 |
| Net operating income to assets | 0.2073% | 4,470 |
| Return on assets (ROA) | 0.2073% | 4,439 |
| Pretax return on assets | 0.2524% | 4,421 |
| Return on Equity (ROE) | 2.1100% | 4,398 |
| Retained earnings to average equity (ytd only) | 2.1114% | 4,003 |
| Net charge-offs to loans | 0.0174% | 1,496 |
| Credit loss provision to net charge-offs | 2,812.5000% | 188 |
| Earnings coverage of net charge-offs (x) | 48.7500% | 1,300 |
| Efficiency ratio | 84.8485% | 502 |
| Assets per employee ($millions) | 4.1604% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,561 |
| Loan loss allowance to noncurrent loans | 110.0946% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 564 |
| Noncurrent loans to loans | 0.8930% | 879 |
| Net loans and leases to total assets | 68.9700% | 1,573 |
| Net loans and leases to deposits | 76.4348% | 1,838 |
| Net loans and leases to core deposits | 84.5944% | 1,613 |
| Total domestic deposits to total assets | 90.2300% | 1,556 |
| Equity capital to assets | 9.4468% | 1,916 |
| Core capital (leverage) ratio | 11.9152% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $174,317,000 | 3,261 |
| Average earning assets | $161,128,250 | 3,258 |
| Average equity | $17,113,250 | 3,235 |
| Average total loans | $122,890,500 | 2,900 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 416 |
| Cost of funding earning assets | 0.4599% | 656 |
| Net interest margin | 3.9725% | 524 |
| Noninterest income to average assets | 0.2894% | 3,437 |
| Noninterest expense to average assets | 3.3477% | 511 |
| Loan and lease loss provision to assets | 0.3648% | 161 |
| Net operating income to assets | 0.2165% | 4,399 |
| Return on assets (ROA) | 0.2165% | 4,359 |
| Pretax return on assets | 0.2639% | 4,339 |
| Return on Equity (ROE) | 2.1710% | 4,333 |
| Retained earnings to average equity (ytd only) | 2.1710% | 3,703 |
| Net charge-offs to loans | 0.0069% | 1,747 |
| Credit loss provision to net charge-offs | 7,500.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 129.2500% | 706 |
| Efficiency ratio | 84.1896% | 673 |
| Assets per employee ($millions) | 4.1973% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,837 |
| Loan loss allowance to noncurrent loans | 336.3636% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 1,133 |
| Noncurrent loans to loans | 0.2792% | 2,346 |
| Net loans and leases to total assets | 71.8585% | 1,118 |
| Net loans and leases to deposits | 78.6200% | 1,493 |
| Net loans and leases to core deposits | 88.7074% | 1,188 |
| Total domestic deposits to total assets | 91.3998% | 1,067 |
| Equity capital to assets | 8.3089% | 2,900 |
| Core capital (leverage) ratio | 10.3154% | 2,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,470,000 | 3,371 |
| Average earning assets | $152,651,333 | 3,370 |
| Average equity | $16,398,333 | 3,370 |
| Average total loans | $116,521,667 | 2,980 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 454 |
| Cost of funding earning assets | 0.3889% | 928 |
| Net interest margin | 3.8943% | 507 |
| Noninterest income to average assets | 0.3161% | 3,204 |
| Noninterest expense to average assets | 3.3816% | 478 |
| Loan and lease loss provision to assets | 0.3887% | 139 |
| Net operating income to assets | 0.1399% | 4,420 |
| Return on assets (ROA) | 0.1399% | 4,388 |
| Pretax return on assets | 0.1788% | 4,347 |
| Return on Equity (ROE) | 1.2762% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.2762% | 3,758 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6299% | 754 |
| Assets per employee ($millions) | 4.0029% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 3,864 |
| Loan loss allowance to noncurrent loans | 321.3873% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 1,099 |
| Noncurrent loans to loans | 0.2999% | 2,391 |
| Net loans and leases to total assets | 69.6174% | 1,052 |
| Net loans and leases to deposits | 77.4171% | 1,335 |
| Net loans and leases to core deposits | 83.5254% | 1,267 |
| Total domestic deposits to total assets | 89.9251% | 1,608 |
| Equity capital to assets | 9.8653% | 1,997 |
| Core capital (leverage) ratio | 11.6747% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,364,500 | 3,476 |
| Average earning assets | $144,003,500 | 3,472 |
| Average equity | $16,925,000 | 3,401 |
| Average total loans | $107,799,000 | 3,090 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 643 |
| Cost of funding earning assets | 0.4617% | 1,117 |
| Net interest margin | 3.9930% | 719 |
| Noninterest income to average assets | 0.2499% | 3,871 |
| Noninterest expense to average assets | 3.4058% | 537 |
| Loan and lease loss provision to assets | 0.2542% | 363 |
| Net operating income to assets | 0.3423% | 4,368 |
| Return on assets (ROA) | 0.3465% | 4,381 |
| Pretax return on assets | 0.3313% | 4,460 |
| Return on Equity (ROE) | 3.2829% | 4,320 |
| Retained earnings to average equity (ytd only) | 3.2829% | 3,505 |
| Net charge-offs to loans | 0.0698% | 1,093 |
| Credit loss provision to net charge-offs | 566.0377% | 750 |
| Earnings coverage of net charge-offs (x) | 12.9434% | 2,094 |
| Efficiency ratio | 85.4229% | 495 |
| Assets per employee ($millions) | 3.7079% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,906 |
| Loan loss allowance to noncurrent loans | 416.4502% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 1,216 |
| Noncurrent loans to loans | 0.2305% | 2,807 |
| Net loans and leases to total assets | 68.6458% | 1,193 |
| Net loans and leases to deposits | 78.3903% | 1,365 |
| Net loans and leases to core deposits | 81.9523% | 1,462 |
| Total domestic deposits to total assets | 87.5692% | 2,250 |
| Equity capital to assets | 12.2115% | 1,168 |
| Core capital (leverage) ratio | 12.9416% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,035,200 | 3,823 |
| Average earning assets | $110,467,400 | 3,808 |
| Average equity | $12,458,400 | 3,886 |
| Average total loans | $75,887,200 | 3,543 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 669 |
| Cost of funding earning assets | 0.4801% | 1,157 |
| Net interest margin | 4.0240% | 756 |
| Noninterest income to average assets | 0.2621% | 3,833 |
| Noninterest expense to average assets | 3.3802% | 548 |
| Loan and lease loss provision to assets | 0.2630% | 335 |
| Net operating income to assets | 0.2968% | 4,523 |
| Return on assets (ROA) | 0.2968% | 4,545 |
| Pretax return on assets | 0.3806% | 4,515 |
| Return on Equity (ROE) | 2.9634% | 4,470 |
| Retained earnings to average equity (ytd only) | 2.9634% | 3,922 |
| Net charge-offs to loans | 0.0802% | 868 |
| Credit loss provision to net charge-offs | 523.8095% | 741 |
| Earnings coverage of net charge-offs (x) | 12.8095% | 1,941 |
| Efficiency ratio | 83.9976% | 517 |
| Assets per employee ($millions) | 3.3050% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,647 |
| Loan loss allowance to noncurrent loans | 431.4010% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 1,109 |
| Noncurrent loans to loans | 0.2442% | 2,959 |
| Net loans and leases to total assets | 66.7864% | 1,454 |
| Net loans and leases to deposits | 74.9377% | 1,768 |
| Net loans and leases to core deposits | 75.2766% | 2,114 |
| Total domestic deposits to total assets | 89.1225% | 1,215 |
| Equity capital to assets | 10.5343% | 2,431 |
| Core capital (leverage) ratio | 10.5866% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,391,750 | 3,931 |
| Average earning assets | $104,139,500 | 3,911 |
| Average equity | $11,158,250 | 4,072 |
| Average total loans | $69,801,500 | 3,704 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 812 |
| Cost of funding earning assets | 0.4859% | 1,286 |
| Net interest margin | 3.9493% | 893 |
| Noninterest income to average assets | 0.2569% | 3,857 |
| Noninterest expense to average assets | 3.3284% | 595 |
| Loan and lease loss provision to assets | 0.2719% | 338 |
| Net operating income to assets | 0.2869% | 4,539 |
| Return on assets (ROA) | 0.2869% | 4,559 |
| Pretax return on assets | 0.3600% | 4,537 |
| Return on Equity (ROE) | 2.9233% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.9233% | 3,861 |
| Net charge-offs to loans | 0.1296% | 611 |
| Credit loss provision to net charge-offs | 345.2381% | 830 |
| Earnings coverage of net charge-offs (x) | 8.0238% | 1,898 |
| Efficiency ratio | 84.0436% | 542 |
| Assets per employee ($millions) | 3.8728% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,372 |
| Loan loss allowance to noncurrent loans | 269.0789% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 1,113 |
| Noncurrent loans to loans | 0.4123% | 2,443 |
| Net loans and leases to total assets | 58.8405% | 2,562 |
| Net loans and leases to deposits | 66.0905% | 2,813 |
| Net loans and leases to core deposits | 66.3938% | 3,084 |
| Total domestic deposits to total assets | 89.0301% | 1,272 |
| Equity capital to assets | 10.5769% | 2,332 |
| Core capital (leverage) ratio | 11.7101% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,659,000 | 3,990 |
| Average earning assets | $100,017,333 | 3,974 |
| Average equity | $10,467,667 | 4,153 |
| Average total loans | $64,812,000 | 3,819 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 952 |
| Cost of funding earning assets | 0.5115% | 1,322 |
| Net interest margin | 3.8494% | 1,057 |
| Noninterest income to average assets | 0.3387% | 3,407 |
| Noninterest expense to average assets | 3.3706% | 546 |
| Loan and lease loss provision to assets | 0.2856% | 340 |
| Net operating income to assets | 0.2571% | 4,578 |
| Return on assets (ROA) | 0.2571% | 4,602 |
| Pretax return on assets | 0.3060% | 4,593 |
| Return on Equity (ROE) | 2.7549% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.7549% | 3,856 |
| Net charge-offs to loans | 0.2386% | 356 |
| Credit loss provision to net charge-offs | 194.4444% | 895 |
| Earnings coverage of net charge-offs (x) | 4.0278% | 1,743 |
| Efficiency ratio | 85.0669% | 547 |
| Assets per employee ($millions) | 3.4468% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 3,030 |
| Loan loss allowance to noncurrent loans | 150.4016% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0474% | 780 |
| Noncurrent loans to loans | 0.7850% | 1,680 |
| Net loans and leases to total assets | 60.6288% | 2,458 |
| Net loans and leases to deposits | 66.8922% | 2,822 |
| Net loans and leases to core deposits | 67.2538% | 3,134 |
| Total domestic deposits to total assets | 90.6366% | 526 |
| Equity capital to assets | 9.0839% | 3,608 |
| Core capital (leverage) ratio | 10.0107% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,023,500 | 4,094 |
| Average earning assets | $92,275,000 | 4,073 |
| Average equity | $9,147,500 | 4,319 |
| Average total loans | $60,348,500 | 3,913 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 795 |
| Cost of funding earning assets | 0.7263% | 1,580 |
| Net interest margin | 4.0294% | 918 |
| Noninterest income to average assets | 0.1287% | 4,635 |
| Noninterest expense to average assets | 4.7571% | 214 |
| Loan and lease loss provision to assets | 0.3543% | 974 |
| Net operating income to assets | -0.9450% | 4,926 |
| Return on assets (ROA) | -0.8480% | 4,921 |
| Pretax return on assets | -1.1054% | 4,932 |
| Return on Equity (ROE) | -7.5057% | 4,922 |
| Retained earnings to average equity (ytd only) | -8.8647% | 4,900 |
| Net charge-offs to loans | 0.1844% | 918 |
| Credit loss provision to net charge-offs | 344.8276% | 1,595 |
| Earnings coverage of net charge-offs (x) | -8.5057% | 3,397 |
| Efficiency ratio | 122.5061% | 73 |
| Assets per employee ($millions) | 3.0881% | 4,795 |
| Cash dividends to net income (ytd only)* | -18.1058% | 4,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 2,693 |
| Loan loss allowance to noncurrent loans | 48.8055% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.9969% | 282 |
| Noncurrent loans to loans | 2.5587% | 390 |
| Net loans and leases to total assets | 61.0304% | 2,724 |
| Net loans and leases to deposits | 67.8454% | 3,096 |
| Net loans and leases to core deposits | 68.4706% | 3,376 |
| Total domestic deposits to total assets | 89.9551% | 583 |
| Equity capital to assets | 9.6088% | 3,503 |
| Core capital (leverage) ratio | 9.6810% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,673,000 | 4,194 |
| Average earning assets | $78,894,600 | 4,174 |
| Average equity | $9,566,000 | 4,239 |
| Average total loans | $47,185,600 | 4,160 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 940 |
| Cost of funding earning assets | 0.7504% | 1,743 |
| Net interest margin | 4.0128% | 1,087 |
| Noninterest income to average assets | 0.2709% | 3,845 |
| Noninterest expense to average assets | 3.5880% | 623 |
| Loan and lease loss provision to assets | 0.1209% | 2,821 |
| Net operating income to assets | 0.2538% | 4,518 |
| Return on assets (ROA) | 0.3999% | 4,330 |
| Pretax return on assets | 0.4531% | 4,368 |
| Return on Equity (ROE) | 3.3976% | 4,319 |
| Retained earnings to average equity (ytd only) | 1.6166% | 4,051 |
| Net charge-offs to loans | 0.1642% | 897 |
| Credit loss provision to net charge-offs | 136.3636% | 2,408 |
| Earnings coverage of net charge-offs (x) | 4.6000% | 2,803 |
| Efficiency ratio | 89.7902% | 369 |
| Assets per employee ($millions) | 3.0165% | 4,838 |
| Cash dividends to net income (ytd only)* | 52.4194% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 3,161 |
| Loan loss allowance to noncurrent loans | 29.5416% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.9870% | 154 |
| Noncurrent loans to loans | 3.7527% | 187 |
| Net loans and leases to total assets | 53.2294% | 3,869 |
| Net loans and leases to deposits | 60.3512% | 4,038 |
| Net loans and leases to core deposits | 60.7512% | 4,164 |
| Total domestic deposits to total assets | 88.1993% | 1,115 |
| Equity capital to assets | 11.2931% | 2,153 |
| Core capital (leverage) ratio | 11.4892% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,680,250 | 4,220 |
| Average earning assets | $76,752,750 | 4,210 |
| Average equity | $9,732,000 | 4,236 |
| Average total loans | $44,668,000 | 4,234 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 871 |
| Cost of funding earning assets | 0.7624% | 2,038 |
| Net interest margin | 4.2118% | 897 |
| Noninterest income to average assets | 0.2467% | 3,995 |
| Noninterest expense to average assets | 3.5816% | 673 |
| Loan and lease loss provision to assets | 0.1850% | 2,174 |
| Net operating income to assets | 0.3315% | 4,362 |
| Return on assets (ROA) | 0.4835% | 4,129 |
| Pretax return on assets | 0.5501% | 4,160 |
| Return on Equity (ROE) | 4.0483% | 4,087 |
| Retained earnings to average equity (ytd only) | 1.3632% | 3,983 |
| Net charge-offs to loans | 0.2599% | 606 |
| Credit loss provision to net charge-offs | 131.5789% | 2,227 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,632 |
| Efficiency ratio | 86.4286% | 521 |
| Assets per employee ($millions) | 3.0163% | 4,850 |
| Cash dividends to net income (ytd only)* | 66.3265% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,497 |
| Loan loss allowance to noncurrent loans | 45.2174% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 2.3646% | 252 |
| Noncurrent loans to loans | 2.6614% | 415 |
| Net loans and leases to total assets | 50.5476% | 4,134 |
| Net loans and leases to deposits | 57.6386% | 4,238 |
| Net loans and leases to core deposits | 57.8400% | 4,362 |
| Total domestic deposits to total assets | 87.6976% | 1,329 |
| Equity capital to assets | 11.6855% | 1,840 |
| Core capital (leverage) ratio | 11.8833% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,081,000 | 4,241 |
| Average earning assets | $75,026,667 | 4,237 |
| Average equity | $9,683,000 | 4,256 |
| Average total loans | $43,862,000 | 4,266 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1501% | 722 |
| Cost of funding earning assets | 0.7928% | 2,438 |
| Net interest margin | 4.3574% | 685 |
| Noninterest income to average assets | 0.2267% | 4,190 |
| Noninterest expense to average assets | 3.7585% | 656 |
| Loan and lease loss provision to assets | 0.3779% | 815 |
| Net operating income to assets | 0.1058% | 4,652 |
| Return on assets (ROA) | 0.3124% | 4,343 |
| Pretax return on assets | 0.3124% | 4,433 |
| Return on Equity (ROE) | 2.5860% | 4,316 |
| Retained earnings to average equity (ytd only) | -2.8363% | 4,337 |
| Net charge-offs to loans | 0.5341% | 274 |
| Credit loss provision to net charge-offs | 127.1186% | 1,682 |
| Earnings coverage of net charge-offs (x) | 1.6271% | 2,363 |
| Efficiency ratio | 88.5986% | 556 |
| Assets per employee ($millions) | 2.8447% | 4,854 |
| Cash dividends to net income (ytd only)* | 209.6774% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,767 |
| Loan loss allowance to noncurrent loans | 48.0966% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 2.5034% | 269 |
| Noncurrent loans to loans | 2.4577% | 496 |
| Net loans and leases to total assets | 54.3659% | 3,956 |
| Net loans and leases to deposits | 61.9952% | 4,097 |
| Net loans and leases to core deposits | 62.2250% | 4,264 |
| Total domestic deposits to total assets | 87.6938% | 1,234 |
| Equity capital to assets | 11.9446% | 2,113 |
| Core capital (leverage) ratio | 12.1820% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,394,000 | 4,273 |
| Average earning assets | $73,163,000 | 4,272 |
| Average equity | $9,590,000 | 4,284 |
| Average total loans | $44,188,000 | 4,275 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 832 |
| Cost of funding earning assets | 0.8238% | 2,570 |
| Net interest margin | 4.4690% | 766 |
| Noninterest income to average assets | 0.2891% | 3,958 |
| Noninterest expense to average assets | 3.7960% | 674 |
| Loan and lease loss provision to assets | 0.1894% | 1,083 |
| Net operating income to assets | 0.3319% | 4,710 |
| Return on assets (ROA) | 0.3686% | 4,683 |
| Pretax return on assets | 0.4052% | 4,702 |
| Return on Equity (ROE) | 3.0459% | 4,655 |
| Retained earnings to average equity (ytd only) | 1.6899% | 4,125 |
| Net charge-offs to loans | 0.3412% | 599 |
| Credit loss provision to net charge-offs | 97.4026% | 2,546 |
| Earnings coverage of net charge-offs (x) | 2.8506% | 3,375 |
| Efficiency ratio | 87.2606% | 478 |
| Assets per employee ($millions) | 3.0437% | 4,806 |
| Cash dividends to net income (ytd only)* | 44.5205% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 2,800 |
| Loan loss allowance to noncurrent loans | 51.4872% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 2.4300% | 272 |
| Noncurrent loans to loans | 2.1883% | 567 |
| Net loans and leases to total assets | 55.6668% | 3,943 |
| Net loans and leases to deposits | 63.7802% | 4,086 |
| Net loans and leases to core deposits | 63.7802% | 4,288 |
| Total domestic deposits to total assets | 87.2790% | 1,464 |
| Equity capital to assets | 12.2143% | 2,005 |
| Core capital (leverage) ratio | 12.2734% | 1,613 |
| Tier 1 risk-based capital ratio | 22.3213% | 984 |
| Total risk-based capital ratio | 23.4805% | 975 |
| Memoranda: | ||
| Average total assets | $79,215,800 | 4,301 |
| Average earning assets | $71,985,200 | 4,313 |
| Average equity | $9,586,600 | 4,296 |
| Average total loans | $45,139,600 | 4,277 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3049% | 855 |
| Cost of funding earning assets | 0.8234% | 2,603 |
| Net interest margin | 4.4815% | 802 |
| Noninterest income to average assets | 0.3231% | 3,814 |
| Noninterest expense to average assets | 3.6161% | 831 |
| Loan and lease loss provision to assets | 0.2103% | 826 |
| Net operating income to assets | 0.5043% | 4,506 |
| Return on assets (ROA) | 0.5334% | 4,498 |
| Pretax return on assets | 0.5856% | 4,565 |
| Return on Equity (ROE) | 4.4180% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.6062% | 4,047 |
| Net charge-offs to loans | 0.2473% | 713 |
| Credit loss provision to net charge-offs | 148.8095% | 1,648 |
| Earnings coverage of net charge-offs (x) | 5.4046% | 2,925 |
| Efficiency ratio | 82.5586% | 719 |
| Assets per employee ($millions) | 2.9211% | 4,930 |
| Cash dividends to net income (ytd only)* | 41.0093% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,251 |
| Loan loss allowance to noncurrent loans | 43.5857% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.6149% | 134 |
| Noncurrent loans to loans | 2.8611% | 360 |
| Net loans and leases to total assets | 54.9240% | 4,106 |
| Net loans and leases to deposits | 63.0575% | 4,234 |
| Net loans and leases to core deposits | 63.0575% | 4,423 |
| Total domestic deposits to total assets | 87.1014% | 1,466 |
| Equity capital to assets | 12.2925% | 2,049 |
| Core capital (leverage) ratio | 12.4064% | 1,622 |
| Tier 1 risk-based capital ratio | 22.1286% | 1,050 |
| Total risk-based capital ratio | 23.3772% | 1,021 |
| Memoranda: | ||
| Average total assets | $79,235,500 | 4,356 |
| Average earning assets | $71,730,250 | 4,371 |
| Average equity | $9,566,750 | 4,345 |
| Average total loans | $45,285,750 | 4,330 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 805 |
| Cost of funding earning assets | 0.8137% | 2,581 |
| Net interest margin | 4.4947% | 780 |
| Noninterest income to average assets | 0.3932% | 3,312 |
| Noninterest expense to average assets | 3.6543% | 793 |
| Loan and lease loss provision to assets | 0.2520% | 605 |
| Net operating income to assets | 0.5066% | 4,516 |
| Return on assets (ROA) | 0.5066% | 4,552 |
| Pretax return on assets | 0.5519% | 4,622 |
| Return on Equity (ROE) | 4.2209% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.4910% | 4,296 |
| Net charge-offs to loans | 0.3671% | 452 |
| Credit loss provision to net charge-offs | 119.0476% | 1,748 |
| Earnings coverage of net charge-offs (x) | 3.7976% | 2,796 |
| Efficiency ratio | 81.9672% | 801 |
| Assets per employee ($millions) | 2.8648% | 4,984 |
| Cash dividends to net income (ytd only)* | 64.6766% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,733 |
| Loan loss allowance to noncurrent loans | 44.1251% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 3.6677% | 132 |
| Noncurrent loans to loans | 2.6314% | 427 |
| Net loans and leases to total assets | 55.3956% | 4,114 |
| Net loans and leases to deposits | 63.3410% | 4,256 |
| Net loans and leases to core deposits | 63.3410% | 4,437 |
| Total domestic deposits to total assets | 87.4561% | 1,361 |
| Equity capital to assets | 11.9480% | 2,226 |
| Core capital (leverage) ratio | 12.0070% | 1,823 |
| Tier 1 risk-based capital ratio | 21.2647% | 1,151 |
| Total risk-based capital ratio | 22.4229% | 1,138 |
| Memoranda: | ||
| Average total assets | $79,357,670 | 4,384 |
| Average earning assets | $71,773,000 | 4,405 |
| Average equity | $9,524,000 | 4,368 |
| Average total loans | $45,759,330 | 4,350 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3593% | 683 |
| Cost of funding earning assets | 0.7994% | 2,544 |
| Net interest margin | 4.5599% | 664 |
| Noninterest income to average assets | 0.4460% | 2,867 |
| Noninterest expense to average assets | 3.6539% | 798 |
| Loan and lease loss provision to assets | 0.3801% | 306 |
| Net operating income to assets | 0.5169% | 4,471 |
| Return on assets (ROA) | 0.5169% | 4,493 |
| Pretax return on assets | 0.5169% | 4,645 |
| Return on Equity (ROE) | 4.2975% | 4,516 |
| Retained earnings to average equity (ytd only) | -1.1797% | 4,671 |
| Net charge-offs to loans | 0.3033% | 496 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 5.0571% | 2,283 |
| Efficiency ratio | 80.2895% | 1,033 |
| Assets per employee ($millions) | 2.8903% | 5,028 |
| Cash dividends to net income (ytd only)* | 127.4510% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,610 |
| Loan loss allowance to noncurrent loans | 64.7687% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 3.7725% | 128 |
| Noncurrent loans to loans | 1.8434% | 832 |
| Net loans and leases to total assets | 55.8330% | 4,076 |
| Net loans and leases to deposits | 63.4055% | 4,219 |
| Net loans and leases to core deposits | 63.4055% | 4,408 |
| Total domestic deposits to total assets | 88.0571% | 1,307 |
| Equity capital to assets | 11.7143% | 2,220 |
| Core capital (leverage) ratio | 11.8836% | 1,845 |
| Tier 1 risk-based capital ratio | 20.5738% | 1,234 |
| Total risk-based capital ratio | 21.7588% | 1,224 |
| Memoranda: | ||
| Average total assets | $78,929,500 | 4,431 |
| Average earning assets | $71,054,500 | 4,467 |
| Average equity | $9,494,000 | 4,401 |
| Average total loans | $46,160,500 | 4,383 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5659% | 348 |
| Cost of funding earning assets | 0.5347% | 3,145 |
| Net interest margin | 5.0312% | 250 |
| Noninterest income to average assets | 0.3175% | 3,988 |
| Noninterest expense to average assets | 3.9775% | 550 |
| Loan and lease loss provision to assets | 0.1694% | 1,187 |
| Net operating income to assets | 0.5673% | 4,509 |
| Return on assets (ROA) | 0.5673% | 4,512 |
| Pretax return on assets | 0.7054% | 4,404 |
| Return on Equity (ROE) | 4.8542% | 4,490 |
| Retained earnings to average equity (ytd only) | 3.8876% | 3,442 |
| Net charge-offs to loans | 0.3237% | 599 |
| Credit loss provision to net charge-offs | 87.0968% | 2,758 |
| Earnings coverage of net charge-offs (x) | 4.4968% | 3,289 |
| Efficiency ratio | 81.9710% | 809 |
| Assets per employee ($millions) | 2.7476% | 5,118 |
| Cash dividends to net income (ytd only)* | 19.9115% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,192 |
| Loan loss allowance to noncurrent loans | 64.0506% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 3.7514% | 132 |
| Noncurrent loans to loans | 1.6956% | 857 |
| Net loans and leases to total assets | 59.9036% | 3,789 |
| Net loans and leases to deposits | 68.7774% | 3,918 |
| Net loans and leases to core deposits | 68.7774% | 4,189 |
| Total domestic deposits to total assets | 87.0977% | 1,739 |
| Equity capital to assets | 12.3590% | 1,660 |
| Core capital (leverage) ratio | 12.3566% | 1,534 |
| Tier 1 risk-based capital ratio | 20.7635% | 1,187 |
| Total risk-based capital ratio | 21.8684% | 1,179 |
| Memoranda: | ||
| Average total assets | $79,673,600 | 4,434 |
| Average earning assets | $71,811,800 | 4,459 |
| Average equity | $9,311,600 | 4,420 |
| Average total loans | $47,877,400 | 4,357 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4203% | 430 |
| Cost of funding earning assets | 0.5315% | 2,983 |
| Net interest margin | 4.8887% | 324 |
| Noninterest income to average assets | 0.3965% | 3,505 |
| Noninterest expense to average assets | 4.1081% | 453 |
| Loan and lease loss provision to assets | 0.1493% | 1,320 |
| Net operating income to assets | 0.4745% | 4,814 |
| Return on assets (ROA) | 0.4745% | 4,816 |
| Pretax return on assets | 0.5492% | 4,817 |
| Return on Equity (ROE) | 4.1168% | 4,797 |
| Retained earnings to average equity (ytd only) | 2.8214% | 4,306 |
| Net charge-offs to loans | 0.3209% | 521 |
| Credit loss provision to net charge-offs | 77.5862% | 2,553 |
| Earnings coverage of net charge-offs (x) | 3.6294% | 3,143 |
| Efficiency ratio | 85.4677% | 545 |
| Assets per employee ($millions) | 2.6318% | 5,243 |
| Cash dividends to net income (ytd only)* | 31.4696% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,448 |
| Loan loss allowance to noncurrent loans | 63.7755% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 3.3944% | 180 |
| Noncurrent loans to loans | 1.6510% | 950 |
| Net loans and leases to total assets | 59.5126% | 3,900 |
| Net loans and leases to deposits | 67.7994% | 4,074 |
| Net loans and leases to core deposits | 67.7994% | 4,303 |
| Total domestic deposits to total assets | 87.7775% | 1,347 |
| Equity capital to assets | 11.8324% | 2,017 |
| Core capital (leverage) ratio | 11.8256% | 1,896 |
| Tier 1 risk-based capital ratio | 19.8800% | 1,360 |
| Total risk-based capital ratio | 20.9440% | 1,368 |
| Memoranda: | ||
| Average total assets | $80,359,000 | 4,468 |
| Average earning assets | $72,491,750 | 4,496 |
| Average equity | $9,262,500 | 4,466 |
| Average total loans | $48,199,000 | 4,396 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4240% | 369 |
| Cost of funding earning assets | 0.5243% | 2,805 |
| Net interest margin | 4.8997% | 300 |
| Noninterest income to average assets | 0.4281% | 3,307 |
| Noninterest expense to average assets | 4.1941% | 412 |
| Loan and lease loss provision to assets | 0.0742% | 2,405 |
| Net operating income to assets | 0.5295% | 4,680 |
| Return on assets (ROA) | 0.5295% | 4,687 |
| Pretax return on assets | 0.5765% | 4,771 |
| Return on Equity (ROE) | 4.6340% | 4,653 |
| Retained earnings to average equity (ytd only) | 2.6851% | 4,175 |
| Net charge-offs to loans | 0.2477% | 643 |
| Credit loss provision to net charge-offs | 50.0000% | 2,490 |
| Earnings coverage of net charge-offs (x) | 4.3833% | 2,795 |
| Efficiency ratio | 86.5679% | 541 |
| Assets per employee ($millions) | 2.6780% | 5,271 |
| Cash dividends to net income (ytd only)* | 42.0561% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,530 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.3271% | 202 |
| Noncurrent loans to loans | 1.8388% | 847 |
| Net loans and leases to total assets | 58.1384% | 3,978 |
| Net loans and leases to deposits | 65.9769% | 4,166 |
| Net loans and leases to core deposits | 65.9769% | 4,369 |
| Total domestic deposits to total assets | 88.1194% | 1,314 |
| Equity capital to assets | 11.5383% | 2,171 |
| Core capital (leverage) ratio | 11.5929% | 1,989 |
| Tier 1 risk-based capital ratio | 19.8782% | 1,344 |
| Total risk-based capital ratio | 20.9418% | 1,350 |
| Memoranda: | ||
| Average total assets | $80,827,670 | 4,504 |
| Average earning assets | $72,861,670 | 4,529 |
| Average equity | $9,236,000 | 4,506 |
| Average total loans | $48,436,330 | 4,430 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 275 |
| Cost of funding earning assets | 0.5246% | 2,592 |
| Net interest margin | 4.9786% | 236 |
| Noninterest income to average assets | 0.4342% | 3,209 |
| Noninterest expense to average assets | 4.1840% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7204% | 4,026 |
| Return on assets (ROA) | 0.7204% | 4,034 |
| Pretax return on assets | 0.7450% | 4,311 |
| Return on Equity (ROE) | 6.3347% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.3347% | 2,572 |
| Net charge-offs to loans | 0.2202% | 681 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.5926% | 2,221 |
| Efficiency ratio | 84.8849% | 727 |
| Assets per employee ($millions) | 2.6216% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 3,800 |
| Loan loss allowance to noncurrent loans | 60.2657% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 3.4748% | 206 |
| Noncurrent loans to loans | 1.7035% | 1,003 |
| Net loans and leases to total assets | 59.1940% | 3,833 |
| Net loans and leases to deposits | 67.0892% | 4,015 |
| Net loans and leases to core deposits | 67.0892% | 4,253 |
| Total domestic deposits to total assets | 88.2318% | 1,490 |
| Equity capital to assets | 11.4335% | 2,187 |
| Core capital (leverage) ratio | 11.5647% | 1,963 |
| Tier 1 risk-based capital ratio | 19.1252% | 1,526 |
| Total risk-based capital ratio | 20.1523% | 1,537 |
| Memoranda: | ||
| Average total assets | $81,071,000 | 4,546 |
| Average earning assets | $73,193,500 | 4,568 |
| Average equity | $9,219,000 | 4,557 |
| Average total loans | $49,052,000 | 4,468 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4524% | 289 |
| Cost of funding earning assets | 0.5726% | 1,803 |
| Net interest margin | 4.8798% | 291 |
| Noninterest income to average assets | 0.1741% | 5,087 |
| Noninterest expense to average assets | 4.2739% | 388 |
| Loan and lease loss provision to assets | 0.0617% | 2,994 |
| Net operating income to assets | 0.2197% | 5,069 |
| Return on assets (ROA) | 0.2197% | 5,091 |
| Pretax return on assets | 0.2358% | 5,274 |
| Return on Equity (ROE) | 1.9318% | 5,071 |
| Retained earnings to average equity (ytd only) | -0.4667% | 5,113 |
| Net charge-offs to loans | 0.1508% | 1,594 |
| Credit loss provision to net charge-offs | 66.6667% | 3,136 |
| Earnings coverage of net charge-offs (x) | 3.2133% | 3,639 |
| Efficiency ratio | 93.4918% | 309 |
| Assets per employee ($millions) | 2.7887% | 5,331 |
| Cash dividends to net income (ytd only)* | 124.1573% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,529 |
| Loan loss allowance to noncurrent loans | 43.5430% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 3.8060% | 163 |
| Noncurrent loans to loans | 2.4405% | 562 |
| Net loans and leases to total assets | 60.5550% | 3,778 |
| Net loans and leases to deposits | 68.5259% | 3,988 |
| Net loans and leases to core deposits | 68.5259% | 4,261 |
| Total domestic deposits to total assets | 88.3680% | 1,321 |
| Equity capital to assets | 11.3092% | 2,356 |
| Core capital (leverage) ratio | 11.3595% | 2,055 |
| Tier 1 risk-based capital ratio | 17.8146% | 1,855 |
| Total risk-based capital ratio | 18.8391% | 1,869 |
| Memoranda: | ||
| Average total assets | $81,002,800 | 4,568 |
| Average earning assets | $72,995,400 | 4,595 |
| Average equity | $9,214,000 | 4,578 |
| Average total loans | $49,750,400 | 4,462 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 262 |
| Cost of funding earning assets | 0.5718% | 1,726 |
| Net interest margin | 4.9018% | 273 |
| Noninterest income to average assets | 0.1612% | 5,213 |
| Noninterest expense to average assets | 3.8978% | 594 |
| Loan and lease loss provision to assets | 0.0823% | 2,445 |
| Net operating income to assets | 0.4278% | 4,937 |
| Return on assets (ROA) | 0.4278% | 4,965 |
| Pretax return on assets | 0.5956% | 4,855 |
| Return on Equity (ROE) | 3.7554% | 4,930 |
| Retained earnings to average equity (ytd only) | 2.2532% | 4,513 |
| Net charge-offs to loans | 0.1365% | 1,430 |
| Credit loss provision to net charge-offs | 98.0392% | 2,341 |
| Earnings coverage of net charge-offs (x) | 8.0782% | 2,816 |
| Efficiency ratio | 85.1852% | 674 |
| Assets per employee ($millions) | 2.6752% | 5,451 |
| Cash dividends to net income (ytd only)* | 39.9988% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,463 |
| Loan loss allowance to noncurrent loans | 34.8322% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 3.9972% | 167 |
| Noncurrent loans to loans | 3.1672% | 376 |
| Net loans and leases to total assets | 61.4334% | 3,727 |
| Net loans and leases to deposits | 69.8189% | 3,978 |
| Net loans and leases to core deposits | 69.8189% | 4,253 |
| Total domestic deposits to total assets | 87.9897% | 1,367 |
| Equity capital to assets | 11.6440% | 2,233 |
| Core capital (leverage) ratio | 11.6438% | 1,922 |
| Tier 1 risk-based capital ratio | 18.3754% | 1,763 |
| Total risk-based capital ratio | 19.4569% | 1,760 |
| Memoranda: | ||
| Average total assets | $81,035,500 | 4,609 |
| Average earning assets | $72,978,500 | 4,648 |
| Average equity | $9,231,000 | 4,628 |
| Average total loans | $49,813,500 | 4,508 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4021% | 276 |
| Cost of funding earning assets | 0.5695% | 1,653 |
| Net interest margin | 4.8326% | 300 |
| Noninterest income to average assets | 0.1550% | 5,284 |
| Noninterest expense to average assets | 3.8575% | 626 |
| Loan and lease loss provision to assets | 0.1230% | 1,681 |
| Net operating income to assets | 0.3543% | 5,083 |
| Return on assets (ROA) | 0.3543% | 5,107 |
| Pretax return on assets | 0.5166% | 4,981 |
| Return on Equity (ROE) | 3.1328% | 5,076 |
| Retained earnings to average equity (ytd only) | 0.8702% | 4,874 |
| Net charge-offs to loans | 0.0803% | 1,818 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,155 |
| Efficiency ratio | 85.7768% | 708 |
| Assets per employee ($millions) | 2.6089% | 5,508 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,221 |
| Loan loss allowance to noncurrent loans | 39.1246% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 4.2670% | 153 |
| Noncurrent loans to loans | 2.9758% | 438 |
| Net loans and leases to total assets | 60.9835% | 3,746 |
| Net loans and leases to deposits | 69.1458% | 3,974 |
| Net loans and leases to core deposits | 69.1458% | 4,285 |
| Total domestic deposits to total assets | 88.1955% | 1,355 |
| Equity capital to assets | 11.4113% | 2,399 |
| Core capital (leverage) ratio | 11.3830% | 2,060 |
| Tier 1 risk-based capital ratio | 18.8497% | 1,623 |
| Total risk-based capital ratio | 20.0364% | 1,599 |
| Memoranda: | ||
| Average total assets | $81,295,330 | 4,643 |
| Average earning assets | $73,045,670 | 4,675 |
| Average equity | $9,193,000 | 4,653 |
| Average total loans | $49,800,000 | 4,535 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3989% | 274 |
| Cost of funding earning assets | 0.5706% | 1,576 |
| Net interest margin | 4.8283% | 300 |
| Noninterest income to average assets | 0.1570% | 5,336 |
| Noninterest expense to average assets | 3.8231% | 661 |
| Loan and lease loss provision to assets | 0.1227% | 1,565 |
| Net operating income to assets | 0.3828% | 5,000 |
| Return on assets (ROA) | 0.3828% | 5,023 |
| Pretax return on assets | 0.5300% | 4,901 |
| Return on Equity (ROE) | 3.4005% | 4,990 |
| Retained earnings to average equity (ytd only) | -1.1335% | 5,084 |
| Net charge-offs to loans | 0.0724% | 1,605 |
| Credit loss provision to net charge-offs | 277.7778% | 826 |
| Earnings coverage of net charge-offs (x) | 14.7778% | 1,708 |
| Efficiency ratio | 85.4167% | 852 |
| Assets per employee ($millions) | 2.6604% | 5,567 |
| Cash dividends to net income (ytd only)* | 133.3333% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,421 |
| Loan loss allowance to noncurrent loans | 50.6250% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 3.9008% | 197 |
| Noncurrent loans to loans | 2.2679% | 735 |
| Net loans and leases to total assets | 59.1929% | 3,866 |
| Net loans and leases to deposits | 66.8186% | 4,105 |
| Net loans and leases to core deposits | 67.0499% | 4,350 |
| Total domestic deposits to total assets | 88.5875% | 1,381 |
| Equity capital to assets | 11.1106% | 2,520 |
| Core capital (leverage) ratio | 11.3905% | 2,032 |
| Tier 1 risk-based capital ratio | 18.4225% | 1,761 |
| Total risk-based capital ratio | 19.5625% | 1,743 |
| Memoranda: | ||
| Average total assets | $81,505,000 | 4,685 |
| Average earning assets | $72,904,000 | 4,723 |
| Average equity | $9,175,000 | 4,686 |
| Average total loans | $49,749,000 | 4,572 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7010% | 191 |
| Cost of funding earning assets | 0.5899% | 1,409 |
| Net interest margin | 5.1112% | 204 |
| Noninterest income to average assets | 0.3071% | 4,541 |
| Noninterest expense to average assets | 3.8279% | 758 |
| Loan and lease loss provision to assets | 0.2564% | 814 |
| Net operating income to assets | 0.5753% | 4,322 |
| Return on assets (ROA) | 0.5940% | 4,343 |
| Pretax return on assets | 0.8466% | 4,025 |
| Return on Equity (ROE) | 5.1685% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.8714% | 3,853 |
| Net charge-offs to loans | 0.5002% | 491 |
| Credit loss provision to net charge-offs | 78.5992% | 2,990 |
| Earnings coverage of net charge-offs (x) | 3.2996% | 3,692 |
| Efficiency ratio | 78.0538% | 1,688 |
| Assets per employee ($millions) | 2.6846% | 5,571 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,722 |
| Loan loss allowance to noncurrent loans | 46.5372% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 4.6834% | 143 |
| Noncurrent loans to loans | 2.3626% | 691 |
| Net loans and leases to total assets | 61.5391% | 3,658 |
| Net loans and leases to deposits | 69.7471% | 3,931 |
| Net loans and leases to core deposits | 70.2453% | 4,220 |
| Total domestic deposits to total assets | 88.2318% | 1,516 |
| Equity capital to assets | 11.4069% | 2,241 |
| Core capital (leverage) ratio | 11.6068% | 1,856 |
| Tier 1 risk-based capital ratio | 16.4027% | 2,386 |
| Total risk-based capital ratio | 17.3865% | 2,430 |
| Memoranda: | ||
| Average total assets | $78,790,000 | 4,749 |
| Average earning assets | $70,864,600 | 4,783 |
| Average equity | $9,054,800 | 4,752 |
| Average total loans | $51,377,600 | 4,538 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 181 |
| Cost of funding earning assets | 0.5913% | 1,400 |
| Net interest margin | 5.1362% | 198 |
| Noninterest income to average assets | 0.2416% | 5,028 |
| Noninterest expense to average assets | 3.8815% | 690 |
| Loan and lease loss provision to assets | 0.2161% | 967 |
| Net operating income to assets | 0.6889% | 3,913 |
| Return on assets (ROA) | 0.7283% | 3,833 |
| Pretax return on assets | 0.8151% | 4,263 |
| Return on Equity (ROE) | 6.3253% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.2514% | 3,962 |
| Net charge-offs to loans | 0.4282% | 499 |
| Credit loss provision to net charge-offs | 76.5060% | 2,707 |
| Earnings coverage of net charge-offs (x) | 3.4939% | 3,410 |
| Efficiency ratio | 79.7274% | 1,465 |
| Assets per employee ($millions) | 2.4476% | 5,755 |
| Cash dividends to net income (ytd only)* | 48.5990% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,872 |
| Loan loss allowance to noncurrent loans | 69.8276% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 4.0295% | 209 |
| Noncurrent loans to loans | 1.5638% | 1,388 |
| Net loans and leases to total assets | 65.5742% | 3,193 |
| Net loans and leases to deposits | 74.5814% | 3,541 |
| Net loans and leases to core deposits | 75.1313% | 3,906 |
| Total domestic deposits to total assets | 87.9229% | 1,433 |
| Equity capital to assets | 11.6787% | 2,375 |
| Core capital (leverage) ratio | 11.6980% | 1,888 |
| Tier 1 risk-based capital ratio | 17.7954% | 1,977 |
| Total risk-based capital ratio | 18.8985% | 1,985 |
| Memoranda: | ||
| Average total assets | $78,352,750 | 4,800 |
| Average earning assets | $70,582,500 | 4,829 |
| Average equity | $9,021,750 | 4,805 |
| Average total loans | $51,693,500 | 4,564 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7291% | 183 |
| Cost of funding earning assets | 0.5968% | 1,340 |
| Net interest margin | 5.1323% | 196 |
| Noninterest income to average assets | 0.1251% | 5,685 |
| Noninterest expense to average assets | 3.8462% | 721 |
| Loan and lease loss provision to assets | 0.1582% | 1,439 |
| Net operating income to assets | 0.6505% | 4,040 |
| Return on assets (ROA) | 0.6891% | 4,001 |
| Pretax return on assets | 0.7733% | 4,377 |
| Return on Equity (ROE) | 6.0134% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.1180% | 3,921 |
| Net charge-offs to loans | 0.1472% | 1,448 |
| Credit loss provision to net charge-offs | 163.1579% | 1,510 |
| Earnings coverage of net charge-offs (x) | 9.1579% | 2,442 |
| Efficiency ratio | 81.2399% | 1,360 |
| Assets per employee ($millions) | 2.4189% | 5,826 |
| Cash dividends to net income (ytd only)* | 48.1481% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,188 |
| Loan loss allowance to noncurrent loans | 94.4528% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 4.2335% | 195 |
| Noncurrent loans to loans | 1.3028% | 1,736 |
| Net loans and leases to total assets | 65.3270% | 3,178 |
| Net loans and leases to deposits | 74.2213% | 3,568 |
| Net loans and leases to core deposits | 74.8376% | 3,922 |
| Total domestic deposits to total assets | 88.0164% | 1,425 |
| Equity capital to assets | 11.7136% | 2,347 |
| Core capital (leverage) ratio | 11.6111% | 1,900 |
| Tier 1 risk-based capital ratio | 17.2754% | 2,136 |
| Total risk-based capital ratio | 18.4758% | 2,113 |
| Memoranda: | ||
| Average total assets | $78,363,000 | 4,853 |
| Average earning assets | $70,377,670 | 4,872 |
| Average equity | $8,980,000 | 4,849 |
| Average total loans | $51,616,000 | 4,598 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 216 |
| Cost of funding earning assets | 0.5965% | 1,351 |
| Net interest margin | 5.0278% | 235 |
| Noninterest income to average assets | 0.2232% | 5,140 |
| Noninterest expense to average assets | 3.8508% | 725 |
| Loan and lease loss provision to assets | 0.0609% | 2,728 |
| Net operating income to assets | 0.7361% | 3,557 |
| Return on assets (ROA) | 0.7407% | 3,638 |
| Pretax return on assets | 0.8067% | 4,173 |
| Return on Equity (ROE) | 6.5350% | 3,709 |
| Retained earnings to average equity (ytd only) | 0.7162% | 4,932 |
| Net charge-offs to loans | 0.0926% | 1,584 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 1,710 |
| Efficiency ratio | 81.7008% | 1,399 |
| Assets per employee ($millions) | 2.4673% | 5,862 |
| Cash dividends to net income (ytd only)* | 89.0411% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,664 |
| Loan loss allowance to noncurrent loans | 107.6377% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 4.3368% | 215 |
| Noncurrent loans to loans | 1.0863% | 2,221 |
| Net loans and leases to total assets | 64.8736% | 3,127 |
| Net loans and leases to deposits | 73.5736% | 3,493 |
| Net loans and leases to core deposits | 74.1724% | 3,878 |
| Total domestic deposits to total assets | 88.1751% | 1,545 |
| Equity capital to assets | 11.3309% | 2,594 |
| Core capital (leverage) ratio | 11.3944% | 2,059 |
| Tier 1 risk-based capital ratio | 17.5415% | 2,108 |
| Total risk-based capital ratio | 18.7298% | 2,098 |
| Memoranda: | ||
| Average total assets | $78,841,500 | 4,886 |
| Average earning assets | $70,408,500 | 4,915 |
| Average equity | $8,936,500 | 4,873 |
| Average total loans | $51,825,500 | 4,618 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7403% | 186 |
| Cost of funding earning assets | 0.6090% | 1,316 |
| Net interest margin | 5.1313% | 201 |
| Noninterest income to average assets | 0.1668% | 5,581 |
| Noninterest expense to average assets | 3.9568% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6272% | 4,153 |
| Return on assets (ROA) | 0.6434% | 4,156 |
| Pretax return on assets | 0.7512% | 4,359 |
| Return on Equity (ROE) | 5.8559% | 4,097 |
| Retained earnings to average equity (ytd only) | 4.3719% | 2,870 |
| Net charge-offs to loans | 0.4190% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.6545% | 3,855 |
| Efficiency ratio | 84.3809% | 1,144 |
| Assets per employee ($millions) | 2.4603% | 5,909 |
| Cash dividends to net income (ytd only)* | 25.3411% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 3,650 |
| Loan loss allowance to noncurrent loans | 122.4242% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 4.6995% | 193 |
| Noncurrent loans to loans | 0.9551% | 2,421 |
| Net loans and leases to total assets | 65.0570% | 3,110 |
| Net loans and leases to deposits | 73.6057% | 3,541 |
| Net loans and leases to core deposits | 74.2028% | 3,918 |
| Total domestic deposits to total assets | 88.3858% | 1,429 |
| Equity capital to assets | 11.3386% | 2,508 |
| Core capital (leverage) ratio | 11.4371% | 2,010 |
| Tier 1 risk-based capital ratio | 17.3434% | 2,166 |
| Total risk-based capital ratio | 18.5207% | 2,147 |
| Memoranda: | ||
| Average total assets | $79,735,800 | 4,882 |
| Average earning assets | $70,274,600 | 4,934 |
| Average equity | $8,760,400 | 4,902 |
| Average total loans | $52,511,000 | 4,595 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7649% | 177 |
| Cost of funding earning assets | 0.6087% | 1,354 |
| Net interest margin | 5.1562% | 192 |
| Noninterest income to average assets | 0.2534% | 5,127 |
| Noninterest expense to average assets | 3.9789% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7328% | 3,752 |
| Return on assets (ROA) | 0.7434% | 3,805 |
| Pretax return on assets | 0.8184% | 4,280 |
| Return on Equity (ROE) | 6.8204% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.8323% | 3,029 |
| Net charge-offs to loans | 0.5112% | 469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.3960% | 3,677 |
| Efficiency ratio | 83.1418% | 1,247 |
| Assets per employee ($millions) | 2.5086% | 5,956 |
| Cash dividends to net income (ytd only)* | 29.1482% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 3,648 |
| Loan loss allowance to noncurrent loans | 217.4216% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 4.6923% | 222 |
| Noncurrent loans to loans | 0.5525% | 3,682 |
| Net loans and leases to total assets | 65.9903% | 3,015 |
| Net loans and leases to deposits | 74.7564% | 3,449 |
| Net loans and leases to core deposits | 75.3712% | 3,871 |
| Total domestic deposits to total assets | 88.2738% | 1,413 |
| Equity capital to assets | 11.4009% | 2,584 |
| Core capital (leverage) ratio | 11.3661% | 2,136 |
| Tier 1 risk-based capital ratio | 17.3564% | 2,237 |
| Total risk-based capital ratio | 18.5780% | 2,197 |
| Memoranda: | ||
| Average total assets | $79,987,000 | 4,928 |
| Average earning assets | $70,308,500 | 4,987 |
| Average equity | $8,718,750 | 4,973 |
| Average total loans | $52,682,250 | 4,640 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7428% | 181 |
| Cost of funding earning assets | 0.6136% | 1,320 |
| Net interest margin | 5.1292% | 198 |
| Noninterest income to average assets | 0.3791% | 4,239 |
| Noninterest expense to average assets | 3.9541% | 712 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8462% | 3,141 |
| Return on assets (ROA) | 0.8622% | 3,172 |
| Pretax return on assets | 0.9365% | 3,821 |
| Return on Equity (ROE) | 8.0280% | 3,039 |
| Retained earnings to average equity (ytd only) | 5.0290% | 2,846 |
| Net charge-offs to loans | 0.5857% | 412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.3935% | 3,349 |
| Efficiency ratio | 81.1388% | 1,601 |
| Assets per employee ($millions) | 2.4187% | 6,073 |
| Cash dividends to net income (ytd only)* | 37.3563% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 3,428 |
| Loan loss allowance to noncurrent loans | 192.2636% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 4.8461% | 241 |
| Noncurrent loans to loans | 0.6579% | 3,505 |
| Net loans and leases to total assets | 65.6251% | 3,018 |
| Net loans and leases to deposits | 74.0961% | 3,479 |
| Net loans and leases to core deposits | 74.9817% | 3,851 |
| Total domestic deposits to total assets | 88.5676% | 1,379 |
| Equity capital to assets | 10.9776% | 2,909 |
| Core capital (leverage) ratio | 10.8828% | 2,531 |
| Tier 1 risk-based capital ratio | 15.7749% | 2,968 |
| Total risk-based capital ratio | 16.9829% | 2,933 |
| Memoranda: | ||
| Average total assets | $80,727,330 | 4,962 |
| Average earning assets | $70,732,000 | 5,025 |
| Average equity | $8,669,670 | 5,021 |
| Average total loans | $52,929,000 | 4,675 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 211 |
| Cost of funding earning assets | 0.6212% | 1,298 |
| Net interest margin | 5.0257% | 241 |
| Noninterest income to average assets | 0.3745% | 4,206 |
| Noninterest expense to average assets | 3.9220% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7665% | 3,446 |
| Return on assets (ROA) | 0.7982% | 3,394 |
| Pretax return on assets | 0.8721% | 3,991 |
| Return on Equity (ROE) | 7.5144% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.5144% | 1,758 |
| Net charge-offs to loans | -0.0227% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4017% | 1,574 |
| Assets per employee ($millions) | 2.5384% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 2,176 |
| Loan loss allowance to noncurrent loans | 174.5263% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 5.3465% | 215 |
| Noncurrent loans to loans | 0.8958% | 2,997 |
| Net loans and leases to total assets | 64.2558% | 3,058 |
| Net loans and leases to deposits | 72.2512% | 3,517 |
| Net loans and leases to core deposits | 73.0961% | 3,862 |
| Total domestic deposits to total assets | 88.9339% | 1,315 |
| Equity capital to assets | 10.7177% | 3,301 |
| Core capital (leverage) ratio | 10.7682% | 2,663 |
| Tier 1 risk-based capital ratio | 16.4634% | 2,698 |
| Total risk-based capital ratio | 17.7190% | 2,636 |
| Memoranda: | ||
| Average total assets | $81,182,500 | 5,003 |
| Average earning assets | $70,836,000 | 5,072 |
| Average equity | $8,623,500 | 5,073 |
| Average total loans | $52,868,000 | 4,705 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7699% | 206 |
| Cost of funding earning assets | 0.6681% | 1,279 |
| Net interest margin | 5.1019% | 250 |
| Noninterest income to average assets | -0.0807% | 6,444 |
| Noninterest expense to average assets | 3.7798% | 1,019 |
| Loan and lease loss provision to assets | 0.0733% | 3,013 |
| Net operating income to assets | 0.4128% | 5,181 |
| Return on assets (ROA) | 0.4106% | 5,249 |
| Pretax return on assets | 0.4595% | 5,360 |
| Return on Equity (ROE) | 4.0317% | 5,100 |
| Retained earnings to average equity (ytd only) | 4.0317% | 3,338 |
| Net charge-offs to loans | 0.0552% | 3,727 |
| Credit loss provision to net charge-offs | 206.8966% | 1,195 |
| Earnings coverage of net charge-offs (x) | 15.1034% | 2,107 |
| Efficiency ratio | 87.5956% | 1,026 |
| Assets per employee ($millions) | 2.4586% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 2,205 |
| Loan loss allowance to noncurrent loans | 237.3563% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 5.3195% | 241 |
| Noncurrent loans to loans | 0.6602% | 3,701 |
| Net loans and leases to total assets | 63.9502% | 3,230 |
| Net loans and leases to deposits | 71.6747% | 3,718 |
| Net loans and leases to core deposits | 72.3180% | 4,091 |
| Total domestic deposits to total assets | 89.2229% | 1,105 |
| Equity capital to assets | 10.5269% | 3,443 |
| Core capital (leverage) ratio | 10.6962% | 2,724 |
| Tier 1 risk-based capital ratio | 16.0147% | 2,956 |
| Total risk-based capital ratio | 17.2687% | 2,897 |
| Memoranda: | ||
| Average total assets | $81,830,400 | 5,018 |
| Average earning assets | $70,503,400 | 5,111 |
| Average equity | $8,334,000 | 5,119 |
| Average total loans | $52,530,000 | 4,745 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7625% | 205 |
| Cost of funding earning assets | 0.6789% | 1,263 |
| Net interest margin | 5.0835% | 254 |
| Noninterest income to average assets | -0.2634% | 6,562 |
| Noninterest expense to average assets | 3.6550% | 1,206 |
| Loan and lease loss provision to assets | 0.0976% | 2,414 |
| Net operating income to assets | 0.3298% | 5,494 |
| Return on assets (ROA) | 0.3268% | 5,574 |
| Pretax return on assets | 0.3512% | 5,674 |
| Return on Equity (ROE) | 3.2357% | 5,459 |
| Retained earnings to average equity (ytd only) | 3.2357% | 4,329 |
| Net charge-offs to loans | 0.0737% | 3,141 |
| Credit loss provision to net charge-offs | 206.8966% | 1,232 |
| Earnings coverage of net charge-offs (x) | 9.5852% | 2,651 |
| Efficiency ratio | 88.9945% | 926 |
| Assets per employee ($millions) | 2.5016% | 6,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 2,494 |
| Loan loss allowance to noncurrent loans | 213.9896% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 5.7226% | 251 |
| Noncurrent loans to loans | 0.7252% | 3,791 |
| Net loans and leases to total assets | 65.4570% | 2,954 |
| Net loans and leases to deposits | 73.5115% | 3,494 |
| Net loans and leases to core deposits | 74.1817% | 3,926 |
| Total domestic deposits to total assets | 89.0432% | 1,214 |
| Equity capital to assets | 10.4908% | 3,575 |
| Core capital (leverage) ratio | 10.3440% | 3,221 |
| Tier 1 risk-based capital ratio | 15.7709% | 3,171 |
| Total risk-based capital ratio | 17.0236% | 3,114 |
| Memoranda: | ||
| Average total assets | $82,004,250 | 5,067 |
| Average earning assets | $70,500,500 | 5,167 |
| Average equity | $8,282,250 | 5,175 |
| Average total loans | $52,484,500 | 4,781 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7140% | 216 |
| Cost of funding earning assets | 0.6796% | 1,313 |
| Net interest margin | 5.0344% | 267 |
| Noninterest income to average assets | -0.3000% | 6,638 |
| Noninterest expense to average assets | 3.6029% | 1,291 |
| Loan and lease loss provision to assets | 0.1452% | 1,702 |
| Net operating income to assets | 0.2541% | 5,699 |
| Return on assets (ROA) | 0.2492% | 5,790 |
| Pretax return on assets | 0.2492% | 5,874 |
| Return on Equity (ROE) | 2.4989% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.4989% | 4,616 |
| Net charge-offs to loans | 0.1149% | 2,512 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,915 |
| Efficiency ratio | 90.0242% | 917 |
| Assets per employee ($millions) | 2.5717% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 2,557 |
| Loan loss allowance to noncurrent loans | 202.7027% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 6.1111% | 235 |
| Noncurrent loans to loans | 0.7774% | 3,755 |
| Net loans and leases to total assets | 62.6141% | 3,303 |
| Net loans and leases to deposits | 69.9876% | 3,826 |
| Net loans and leases to core deposits | 70.6023% | 4,202 |
| Total domestic deposits to total assets | 89.4645% | 1,108 |
| Equity capital to assets | 10.0750% | 4,005 |
| Core capital (leverage) ratio | 10.0453% | 3,543 |
| Tier 1 risk-based capital ratio | 15.3386% | 3,449 |
| Total risk-based capital ratio | 16.5916% | 3,398 |
| Memoranda: | ||
| Average total assets | $82,655,330 | 5,089 |
| Average earning assets | $70,634,000 | 5,206 |
| Average equity | $8,243,670 | 5,202 |
| Average total loans | $52,237,670 | 4,820 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6981% | 224 |
| Cost of funding earning assets | 0.7059% | 1,209 |
| Net interest margin | 4.9922% | 280 |
| Noninterest income to average assets | 0.2221% | 5,581 |
| Noninterest expense to average assets | 3.6506% | 1,213 |
| Loan and lease loss provision to assets | 0.2897% | 682 |
| Net operating income to assets | 0.4925% | 4,724 |
| Return on assets (ROA) | 0.4925% | 4,805 |
| Pretax return on assets | 0.5167% | 5,116 |
| Return on Equity (ROE) | 4.9635% | 4,567 |
| Retained earnings to average equity (ytd only) | 4.9635% | 3,129 |
| Net charge-offs to loans | 0.2146% | 1,463 |
| Credit loss provision to net charge-offs | 214.2857% | 985 |
| Earnings coverage of net charge-offs (x) | 5.9643% | 2,305 |
| Efficiency ratio | 81.9068% | 1,937 |
| Assets per employee ($millions) | 2.5897% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,772 |
| Loan loss allowance to noncurrent loans | 338.9344% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 7.4768% | 191 |
| Noncurrent loans to loans | 0.4673% | 4,757 |
| Net loans and leases to total assets | 62.0092% | 3,239 |
| Net loans and leases to deposits | 69.2165% | 3,706 |
| Net loans and leases to core deposits | 70.1194% | 4,075 |
| Total domestic deposits to total assets | 89.5873% | 1,316 |
| Equity capital to assets | 9.9903% | 3,853 |
| Core capital (leverage) ratio | 10.0347% | 3,522 |
| Tier 1 risk-based capital ratio | 15.0679% | 3,678 |
| Total risk-based capital ratio | 16.3080% | 3,630 |
| Memoranda: | ||
| Average total assets | $82,836,500 | 5,135 |
| Average earning assets | $70,269,500 | 5,268 |
| Average equity | $8,220,000 | 5,237 |
| Average total loans | $52,180,500 | 4,857 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7598% | 244 |
| Cost of funding earning assets | 0.7794% | 1,326 |
| Net interest margin | 4.9804% | 319 |
| Noninterest income to average assets | 0.2843% | 5,322 |
| Noninterest expense to average assets | 3.7491% | 1,217 |
| Loan and lease loss provision to assets | 0.2168% | 1,684 |
| Net operating income to assets | 0.3795% | 5,221 |
| Return on assets (ROA) | 0.3795% | 5,338 |
| Pretax return on assets | 0.5216% | 5,136 |
| Return on Equity (ROE) | 3.8913% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.8913% | 3,433 |
| Net charge-offs to loans | 0.9369% | 644 |
| Credit loss provision to net charge-offs | 36.8098% | 4,104 |
| Earnings coverage of net charge-offs (x) | 1.2536% | 4,652 |
| Efficiency ratio | 83.5436% | 1,682 |
| Assets per employee ($millions) | 2.5876% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 3,072 |
| Loan loss allowance to noncurrent loans | 124.2188% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 7.9816% | 187 |
| Noncurrent loans to loans | 1.2273% | 3,094 |
| Net loans and leases to total assets | 62.0171% | 3,359 |
| Net loans and leases to deposits | 68.9881% | 3,909 |
| Net loans and leases to core deposits | 69.8857% | 4,294 |
| Total domestic deposits to total assets | 89.8953% | 1,134 |
| Equity capital to assets | 9.8559% | 3,956 |
| Core capital (leverage) ratio | 10.0615% | 3,479 |
| Tier 1 risk-based capital ratio | 14.7170% | 3,828 |
| Total risk-based capital ratio | 15.9684% | 3,774 |
| Memoranda: | ||
| Average total assets | $83,007,000 | 5,165 |
| Average earning assets | $70,054,200 | 5,309 |
| Average equity | $8,095,000 | 5,309 |
| Average total loans | $52,192,000 | 4,879 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 241 |
| Cost of funding earning assets | 0.7978% | 1,339 |
| Net interest margin | 4.9865% | 324 |
| Noninterest income to average assets | 0.3628% | 4,796 |
| Noninterest expense to average assets | 3.6937% | 1,256 |
| Loan and lease loss provision to assets | 0.1926% | 1,893 |
| Net operating income to assets | 0.6164% | 4,276 |
| Return on assets (ROA) | 0.6164% | 4,402 |
| Pretax return on assets | 0.6806% | 4,747 |
| Return on Equity (ROE) | 6.3377% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.3377% | 2,218 |
| Net charge-offs to loans | 1.2464% | 431 |
| Credit loss provision to net charge-offs | 24.5902% | 3,989 |
| Earnings coverage of net charge-offs (x) | 1.1148% | 4,469 |
| Efficiency ratio | 80.8787% | 1,983 |
| Assets per employee ($millions) | 2.5382% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 3,806 |
| Loan loss allowance to noncurrent loans | 89.8657% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 8.4816% | 200 |
| Noncurrent loans to loans | 1.5813% | 2,796 |
| Net loans and leases to total assets | 62.8603% | 3,192 |
| Net loans and leases to deposits | 70.2519% | 3,747 |
| Net loans and leases to core deposits | 71.2370% | 4,188 |
| Total domestic deposits to total assets | 89.4783% | 1,315 |
| Equity capital to assets | 10.1363% | 3,723 |
| Core capital (leverage) ratio | 10.1833% | 3,422 |
| Tier 1 risk-based capital ratio | 14.7891% | 3,884 |
| Total risk-based capital ratio | 16.0398% | 3,841 |
| Memoranda: | ||
| Average total assets | $83,058,000 | 5,214 |
| Average earning assets | $70,027,000 | 5,362 |
| Average equity | $8,078,500 | 5,372 |
| Average total loans | $52,203,250 | 4,917 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6891% | 282 |
| Cost of funding earning assets | 0.8180% | 1,322 |
| Net interest margin | 4.8711% | 388 |
| Noninterest income to average assets | 0.6884% | 2,699 |
| Noninterest expense to average assets | 3.6094% | 1,401 |
| Loan and lease loss provision to assets | 0.2151% | 1,758 |
| Net operating income to assets | 0.9036% | 2,775 |
| Return on assets (ROA) | 0.9036% | 2,918 |
| Pretax return on assets | 0.9633% | 3,669 |
| Return on Equity (ROE) | 9.4182% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.4182% | 992 |
| Net charge-offs to loans | 1.7730% | 269 |
| Credit loss provision to net charge-offs | 19.3966% | 3,743 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 4,178 |
| Efficiency ratio | 75.3869% | 2,882 |
| Assets per employee ($millions) | 2.6146% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 4,018 |
| Loan loss allowance to noncurrent loans | 54.6816% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 8.4968% | 220 |
| Noncurrent loans to loans | 2.5664% | 1,794 |
| Net loans and leases to total assets | 61.3002% | 3,423 |
| Net loans and leases to deposits | 68.2175% | 3,977 |
| Net loans and leases to core deposits | 69.3719% | 4,344 |
| Total domestic deposits to total assets | 89.8598% | 1,114 |
| Equity capital to assets | 9.8533% | 4,121 |
| Core capital (leverage) ratio | 9.9341% | 3,609 |
| Tier 1 risk-based capital ratio | 13.9657% | 4,444 |
| Total risk-based capital ratio | 15.1981% | 4,419 |
| Memoranda: | ||
| Average total assets | $83,669,670 | 5,232 |
| Average earning assets | $70,415,670 | 5,380 |
| Average equity | $8,027,000 | 5,423 |
| Average total loans | $52,340,000 | 4,939 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 301 |
| Cost of funding earning assets | 0.8640% | 1,183 |
| Net interest margin | 4.7691% | 423 |
| Noninterest income to average assets | 0.2056% | 6,010 |
| Noninterest expense to average assets | 3.6142% | 1,396 |
| Loan and lease loss provision to assets | 0.2868% | 1,224 |
| Net operating income to assets | 0.2677% | 5,671 |
| Return on assets (ROA) | 0.2677% | 5,791 |
| Pretax return on assets | 0.3155% | 5,823 |
| Return on Equity (ROE) | 2.8288% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.8288% | 4,590 |
| Net charge-offs to loans | 1.5924% | 331 |
| Credit loss provision to net charge-offs | 28.7081% | 2,904 |
| Earnings coverage of net charge-offs (x) | 0.6029% | 3,622 |
| Efficiency ratio | 85.7143% | 1,546 |
| Assets per employee ($millions) | 2.6923% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 2,541 |
| Loan loss allowance to noncurrent loans | 60.7893% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 8.8077% | 267 |
| Noncurrent loans to loans | 2.9991% | 1,671 |
| Net loans and leases to total assets | 61.6192% | 3,139 |
| Net loans and leases to deposits | 68.2531% | 3,748 |
| Net loans and leases to core deposits | 69.1720% | 4,164 |
| Total domestic deposits to total assets | 90.2805% | 890 |
| Equity capital to assets | 9.5194% | 4,824 |
| Core capital (leverage) ratio | 9.5768% | 3,962 |
| Tier 1 risk-based capital ratio | 14.2213% | 4,348 |
| Total risk-based capital ratio | 15.4754% | 4,308 |
| Memoranda: | ||
| Average total assets | $83,671,000 | 5,277 |
| Average earning assets | $70,369,000 | 5,428 |
| Average equity | $7,918,500 | 5,510 |
| Average total loans | $52,501,000 | 4,965 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1284% | 222 |
| Cost of funding earning assets | 1.1232% | 831 |
| Net interest margin | 5.0052% | 386 |
| Noninterest income to average assets | -0.1232% | 6,933 |
| Noninterest expense to average assets | 3.8588% | 1,156 |
| Loan and lease loss provision to assets | 0.2112% | 3,033 |
| Net operating income to assets | -0.0106% | 6,183 |
| Return on assets (ROA) | 0.1185% | 6,112 |
| Pretax return on assets | 0.1185% | 6,125 |
| Return on Equity (ROE) | 1.2891% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.2891% | 5,225 |
| Net charge-offs to loans | 0.5404% | 2,110 |
| Credit loss provision to net charge-offs | 62.0690% | 4,391 |
| Earnings coverage of net charge-offs (x) | 0.5897% | 5,191 |
| Efficiency ratio | 95.0578% | 748 |
| Assets per employee ($millions) | 2.7058% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 1,774 |
| Loan loss allowance to noncurrent loans | 55.0623% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 9.5671% | 234 |
| Noncurrent loans to loans | 3.8104% | 1,271 |
| Net loans and leases to total assets | 61.4144% | 3,355 |
| Net loans and leases to deposits | 68.0344% | 3,975 |
| Net loans and leases to core deposits | 68.9459% | 4,441 |
| Total domestic deposits to total assets | 90.2695% | 819 |
| Equity capital to assets | 9.4086% | 4,988 |
| Core capital (leverage) ratio | 9.5396% | 4,055 |
| Tier 1 risk-based capital ratio | 14.1729% | 4,264 |
| Total risk-based capital ratio | 15.4314% | 4,218 |
| Memoranda: | ||
| Average total assets | $85,234,200 | 5,208 |
| Average earning assets | $71,225,400 | 5,386 |
| Average equity | $7,834,800 | 5,548 |
| Average total loans | $53,662,200 | 4,957 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1901% | 215 |
| Cost of funding earning assets | 1.1835% | 745 |
| Net interest margin | 5.0066% | 399 |
| Noninterest income to average assets | -0.1714% | 7,063 |
| Noninterest expense to average assets | 3.9061% | 1,056 |
| Loan and lease loss provision to assets | 0.2805% | 2,325 |
| Net operating income to assets | -0.1792% | 6,483 |
| Return on assets (ROA) | -0.0389% | 6,451 |
| Pretax return on assets | -0.0389% | 6,435 |
| Return on Equity (ROE) | -0.4262% | 6,454 |
| Retained earnings to average equity (ytd only) | -0.4262% | 6,164 |
| Net charge-offs to loans | 0.6923% | 1,591 |
| Credit loss provision to net charge-offs | 64.2857% | 4,040 |
| Earnings coverage of net charge-offs (x) | 0.2321% | 5,211 |
| Efficiency ratio | 97.4728% | 621 |
| Assets per employee ($millions) | 2.6394% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1406% | 1,830 |
| Loan loss allowance to noncurrent loans | 54.8768% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 10.3847% | 223 |
| Noncurrent loans to loans | 3.9007% | 1,328 |
| Net loans and leases to total assets | 62.2424% | 3,341 |
| Net loans and leases to deposits | 68.9707% | 4,035 |
| Net loans and leases to core deposits | 69.6766% | 4,538 |
| Total domestic deposits to total assets | 90.2447% | 704 |
| Equity capital to assets | 9.5194% | 5,180 |
| Core capital (leverage) ratio | 9.2993% | 4,589 |
| Tier 1 risk-based capital ratio | 13.7908% | 4,690 |
| Total risk-based capital ratio | 15.0492% | 4,647 |
| Memoranda: | ||
| Average total assets | $85,572,500 | 5,256 |
| Average earning assets | $71,423,750 | 5,448 |
| Average equity | $7,820,500 | 5,605 |
| Average total loans | $53,923,000 | 4,998 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1398% | 244 |
| Cost of funding earning assets | 1.2280% | 723 |
| Net interest margin | 4.9118% | 460 |
| Noninterest income to average assets | -0.0346% | 7,043 |
| Noninterest expense to average assets | 3.7617% | 1,273 |
| Loan and lease loss provision to assets | 0.4146% | 1,584 |
| Net operating income to assets | -0.0921% | 6,426 |
| Return on assets (ROA) | 0.0438% | 6,405 |
| Pretax return on assets | 0.0438% | 6,398 |
| Return on Equity (ROE) | 0.4853% | 6,396 |
| Retained earnings to average equity (ytd only) | 0.4853% | 5,876 |
| Net charge-offs to loans | 0.9716% | 1,144 |
| Credit loss provision to net charge-offs | 67.9245% | 3,617 |
| Earnings coverage of net charge-offs (x) | 0.5283% | 4,807 |
| Efficiency ratio | 92.1038% | 923 |
| Assets per employee ($millions) | 2.6374% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 2,008 |
| Loan loss allowance to noncurrent loans | 50.1555% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 10.0832% | 257 |
| Noncurrent loans to loans | 4.1820% | 1,308 |
| Net loans and leases to total assets | 62.4387% | 3,349 |
| Net loans and leases to deposits | 69.0239% | 4,037 |
| Net loans and leases to core deposits | 69.6746% | 4,569 |
| Total domestic deposits to total assets | 90.4595% | 689 |
| Equity capital to assets | 9.2976% | 5,323 |
| Core capital (leverage) ratio | 9.0810% | 4,791 |
| Tier 1 risk-based capital ratio | 13.4249% | 4,889 |
| Total risk-based capital ratio | 14.6830% | 4,836 |
| Memoranda: | ||
| Average total assets | $86,822,670 | 5,253 |
| Average earning assets | $72,804,000 | 5,436 |
| Average equity | $7,831,000 | 5,627 |
| Average total loans | $54,550,000 | 5,007 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1908% | 233 |
| Cost of funding earning assets | 1.2533% | 768 |
| Net interest margin | 4.9375% | 446 |
| Noninterest income to average assets | 0.0273% | 7,026 |
| Noninterest expense to average assets | 3.7258% | 1,338 |
| Loan and lease loss provision to assets | 0.4089% | 1,543 |
| Net operating income to assets | 0.0454% | 6,341 |
| Return on assets (ROA) | 0.1136% | 6,336 |
| Pretax return on assets | 0.1136% | 6,363 |
| Return on Equity (ROE) | 1.2783% | 6,291 |
| Retained earnings to average equity (ytd only) | 1.2783% | 5,582 |
| Net charge-offs to loans | 0.4079% | 2,080 |
| Credit loss provision to net charge-offs | 160.7143% | 1,578 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 3,446 |
| Efficiency ratio | 89.1304% | 1,165 |
| Assets per employee ($millions) | 2.7373% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2825% | 1,708 |
| Loan loss allowance to noncurrent loans | 56.9863% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 9.6558% | 325 |
| Noncurrent loans to loans | 4.0054% | 1,529 |
| Net loans and leases to total assets | 60.9943% | 3,454 |
| Net loans and leases to deposits | 67.2321% | 4,186 |
| Net loans and leases to core deposits | 67.7101% | 4,715 |
| Total domestic deposits to total assets | 90.7221% | 678 |
| Equity capital to assets | 8.9480% | 5,570 |
| Core capital (leverage) ratio | 8.9286% | 4,949 |
| Tier 1 risk-based capital ratio | 13.1257% | 5,113 |
| Total risk-based capital ratio | 14.3867% | 5,077 |
| Memoranda: | ||
| Average total assets | $88,035,000 | 5,268 |
| Average earning assets | $74,045,500 | 5,434 |
| Average equity | $7,823,000 | 5,649 |
| Average total loans | $54,912,000 | 5,028 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0506% | 398 |
| Cost of funding earning assets | 1.5363% | 620 |
| Net interest margin | 4.5144% | 1,102 |
| Noninterest income to average assets | 0.0089% | 6,957 |
| Noninterest expense to average assets | 3.4516% | 2,117 |
| Loan and lease loss provision to assets | 0.2659% | 3,561 |
| Net operating income to assets | 0.1389% | 5,770 |
| Return on assets (ROA) | 0.1862% | 5,764 |
| Pretax return on assets | 0.2139% | 5,748 |
| Return on Equity (ROE) | 2.1693% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.1693% | 4,672 |
| Net charge-offs to loans | 0.4275% | 3,295 |
| Credit loss provision to net charge-offs | 97.9592% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.5673% | 4,598 |
| Efficiency ratio | 89.0254% | 1,274 |
| Assets per employee ($millions) | 2.6811% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2013% | 1,798 |
| Loan loss allowance to noncurrent loans | 44.7640% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 10.4640% | 297 |
| Noncurrent loans to loans | 4.9177% | 1,159 |
| Net loans and leases to total assets | 60.9596% | 3,799 |
| Net loans and leases to deposits | 67.0871% | 4,568 |
| Net loans and leases to core deposits | 67.6348% | 5,076 |
| Total domestic deposits to total assets | 90.8663% | 557 |
| Equity capital to assets | 8.8251% | 5,768 |
| Core capital (leverage) ratio | 8.8544% | 5,014 |
| Tier 1 risk-based capital ratio | 12.4449% | 5,497 |
| Total risk-based capital ratio | 13.7018% | 5,470 |
| Memoranda: | ||
| Average total assets | $90,247,400 | 5,175 |
| Average earning assets | $77,330,600 | 5,305 |
| Average equity | $7,744,400 | 5,649 |
| Average total loans | $57,316,000 | 4,972 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0394% | 425 |
| Cost of funding earning assets | 1.5925% | 604 |
| Net interest margin | 4.4469% | 1,285 |
| Noninterest income to average assets | 0.3234% | 5,283 |
| Noninterest expense to average assets | 3.5063% | 1,919 |
| Loan and lease loss provision to assets | 0.3528% | 2,753 |
| Net operating income to assets | 0.2823% | 5,461 |
| Return on assets (ROA) | 0.3455% | 5,408 |
| Pretax return on assets | 0.3455% | 5,611 |
| Return on Equity (ROE) | 4.0542% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.0542% | 3,843 |
| Net charge-offs to loans | 0.4194% | 3,044 |
| Credit loss provision to net charge-offs | 131.8681% | 2,418 |
| Earnings coverage of net charge-offs (x) | 2.3737% | 3,941 |
| Efficiency ratio | 84.6645% | 1,672 |
| Assets per employee ($millions) | 2.7691% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 1,718 |
| Loan loss allowance to noncurrent loans | 55.4976% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 10.6690% | 314 |
| Noncurrent loans to loans | 4.1184% | 1,605 |
| Net loans and leases to total assets | 61.6102% | 3,814 |
| Net loans and leases to deposits | 67.8304% | 4,638 |
| Net loans and leases to core deposits | 68.3835% | 5,137 |
| Total domestic deposits to total assets | 90.8297% | 499 |
| Equity capital to assets | 8.8871% | 5,876 |
| Core capital (leverage) ratio | 8.8345% | 5,207 |
| Tier 1 risk-based capital ratio | 12.2572% | 5,695 |
| Total risk-based capital ratio | 13.5160% | 5,673 |
| Memoranda: | ||
| Average total assets | $90,690,500 | 5,208 |
| Average earning assets | $77,864,750 | 5,333 |
| Average equity | $7,728,500 | 5,685 |
| Average total loans | $57,858,000 | 5,004 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9225% | 552 |
| Cost of funding earning assets | 1.6157% | 657 |
| Net interest margin | 4.3068% | 1,630 |
| Noninterest income to average assets | 0.4705% | 4,103 |
| Noninterest expense to average assets | 3.4580% | 2,099 |
| Loan and lease loss provision to assets | 0.3939% | 2,445 |
| Net operating income to assets | 0.3699% | 5,084 |
| Return on assets (ROA) | 0.3808% | 5,174 |
| Pretax return on assets | 0.3808% | 5,453 |
| Return on Equity (ROE) | 4.5314% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.5314% | 3,305 |
| Net charge-offs to loans | 0.5810% | 2,366 |
| Credit loss provision to net charge-offs | 105.8824% | 2,913 |
| Earnings coverage of net charge-offs (x) | 2.0529% | 3,830 |
| Efficiency ratio | 81.9077% | 2,113 |
| Assets per employee ($millions) | 2.7197% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 1,963 |
| Loan loss allowance to noncurrent loans | 44.7234% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 10.9773% | 313 |
| Noncurrent loans to loans | 4.8735% | 1,353 |
| Net loans and leases to total assets | 61.4581% | 3,998 |
| Net loans and leases to deposits | 67.5162% | 4,786 |
| Net loans and leases to core deposits | 68.3503% | 5,255 |
| Total domestic deposits to total assets | 91.0272% | 492 |
| Equity capital to assets | 8.6831% | 5,963 |
| Core capital (leverage) ratio | 8.4836% | 5,575 |
| Tier 1 risk-based capital ratio | 12.5189% | 5,330 |
| Total risk-based capital ratio | 13.7775% | 5,296 |
| Memoranda: | ||
| Average total assets | $91,383,330 | 5,222 |
| Average earning assets | $79,594,670 | 5,329 |
| Average equity | $7,679,670 | 5,711 |
| Average total loans | $58,520,330 | 5,028 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7876% | 758 |
| Cost of funding earning assets | 1.6305% | 726 |
| Net interest margin | 4.1571% | 2,052 |
| Noninterest income to average assets | 0.4078% | 4,649 |
| Noninterest expense to average assets | 3.4794% | 2,060 |
| Loan and lease loss provision to assets | 0.3905% | 2,234 |
| Net operating income to assets | 0.2213% | 5,714 |
| Return on assets (ROA) | 0.2213% | 5,776 |
| Pretax return on assets | 0.2213% | 5,893 |
| Return on Equity (ROE) | 2.6761% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.6761% | 4,558 |
| Net charge-offs to loans | 0.7653% | 1,685 |
| Credit loss provision to net charge-offs | 78.9474% | 3,184 |
| Earnings coverage of net charge-offs (x) | 1.2368% | 3,742 |
| Efficiency ratio | 85.0477% | 1,834 |
| Assets per employee ($millions) | 2.8049% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0301% | 2,330 |
| Loan loss allowance to noncurrent loans | 22.4793% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 11.2573% | 319 |
| Noncurrent loans to loans | 9.0311% | 492 |
| Net loans and leases to total assets | 62.3020% | 3,789 |
| Net loans and leases to deposits | 68.1663% | 4,657 |
| Net loans and leases to core deposits | 68.8968% | 5,180 |
| Total domestic deposits to total assets | 91.3971% | 444 |
| Equity capital to assets | 8.2701% | 6,197 |
| Core capital (leverage) ratio | 8.3390% | 5,730 |
| Tier 1 risk-based capital ratio | 11.9095% | 5,770 |
| Total risk-based capital ratio | 13.1662% | 5,757 |
| Memoranda: | ||
| Average total assets | $92,200,500 | 5,232 |
| Average earning assets | $81,692,000 | 5,309 |
| Average equity | $7,623,000 | 5,734 |
| Average total loans | $59,587,000 | 5,021 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0956% | 705 |
| Cost of funding earning assets | 2.1364% | 377 |
| Net interest margin | 3.9591% | 3,220 |
| Noninterest income to average assets | 0.1248% | 6,779 |
| Noninterest expense to average assets | 3.4194% | 2,385 |
| Loan and lease loss provision to assets | 0.5218% | 3,064 |
| Net operating income to assets | -0.2599% | 6,177 |
| Return on assets (ROA) | -0.2496% | 6,219 |
| Pretax return on assets | -0.2873% | 6,153 |
| Return on Equity (ROE) | -2.9678% | 6,273 |
| Retained earnings to average equity (ytd only) | -2.9678% | 6,091 |
| Net charge-offs to loans | 0.6073% | 3,216 |
| Credit loss provision to net charge-offs | 125.9740% | 3,223 |
| Earnings coverage of net charge-offs (x) | 0.5377% | 5,574 |
| Efficiency ratio | 93.8848% | 1,066 |
| Assets per employee ($millions) | 2.7011% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 2,250 |
| Loan loss allowance to noncurrent loans | 31.8194% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 8.8568% | 516 |
| Noncurrent loans to loans | 6.3521% | 959 |
| Net loans and leases to total assets | 64.3430% | 3,797 |
| Net loans and leases to deposits | 70.3945% | 4,766 |
| Net loans and leases to core deposits | 71.0215% | 5,328 |
| Total domestic deposits to total assets | 91.4034% | 427 |
| Equity capital to assets | 8.2656% | 6,188 |
| Core capital (leverage) ratio | 8.3641% | 5,591 |
| Tier 1 risk-based capital ratio | 11.7539% | 5,688 |
| Total risk-based capital ratio | 13.0121% | 5,685 |
| Memoranda: | ||
| Average total assets | $92,939,800 | 5,194 |
| Average earning assets | $82,568,400 | 5,258 |
| Average equity | $7,817,200 | 5,770 |
| Average total loans | $63,398,000 | 4,935 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1402% | 700 |
| Cost of funding earning assets | 2.2508% | 322 |
| Net interest margin | 3.8894% | 3,577 |
| Noninterest income to average assets | 0.2489% | 6,109 |
| Noninterest expense to average assets | 3.3313% | 2,480 |
| Loan and lease loss provision to assets | 0.3576% | 3,754 |
| Net operating income to assets | 0.0129% | 5,976 |
| Return on assets (ROA) | 0.0286% | 6,065 |
| Pretax return on assets | 0.0286% | 6,048 |
| Return on Equity (ROE) | 0.3387% | 6,043 |
| Retained earnings to average equity (ytd only) | 0.3387% | 5,653 |
| Net charge-offs to loans | 0.6919% | 2,689 |
| Credit loss provision to net charge-offs | 75.0751% | 5,277 |
| Earnings coverage of net charge-offs (x) | 0.7778% | 5,282 |
| Efficiency ratio | 89.9923% | 1,292 |
| Assets per employee ($millions) | 2.7662% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6990% | 3,153 |
| Loan loss allowance to noncurrent loans | 35.9847% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 8.9084% | 517 |
| Noncurrent loans to loans | 4.7215% | 1,506 |
| Net loans and leases to total assets | 65.6636% | 3,762 |
| Net loans and leases to deposits | 72.1868% | 4,817 |
| Net loans and leases to core deposits | 73.1032% | 5,394 |
| Total domestic deposits to total assets | 90.9635% | 464 |
| Equity capital to assets | 8.6345% | 6,121 |
| Core capital (leverage) ratio | 8.6501% | 5,270 |
| Tier 1 risk-based capital ratio | 11.9359% | 5,524 |
| Total risk-based capital ratio | 13.1876% | 5,491 |
| Memoranda: | ||
| Average total assets | $93,215,000 | 5,245 |
| Average earning assets | $82,753,750 | 5,317 |
| Average equity | $7,873,750 | 5,832 |
| Average total loans | $64,169,750 | 4,973 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1759% | 655 |
| Cost of funding earning assets | 2.3333% | 305 |
| Net interest margin | 3.8426% | 3,703 |
| Noninterest income to average assets | 0.2280% | 6,284 |
| Noninterest expense to average assets | 3.2027% | 2,894 |
| Loan and lease loss provision to assets | 0.3196% | 3,826 |
| Net operating income to assets | 0.1236% | 5,797 |
| Return on assets (ROA) | 0.1236% | 5,903 |
| Pretax return on assets | 0.1236% | 5,932 |
| Return on Equity (ROE) | 1.4738% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.4738% | 5,134 |
| Net charge-offs to loans | 0.6653% | 2,548 |
| Credit loss provision to net charge-offs | 69.1244% | 4,993 |
| Earnings coverage of net charge-offs (x) | 0.9585% | 4,821 |
| Efficiency ratio | 87.8434% | 1,521 |
| Assets per employee ($millions) | 2.6737% | 6,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 3,052 |
| Loan loss allowance to noncurrent loans | 45.5608% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 7.8366% | 635 |
| Noncurrent loans to loans | 3.7435% | 2,078 |
| Net loans and leases to total assets | 66.6923% | 3,689 |
| Net loans and leases to deposits | 73.3258% | 4,791 |
| Net loans and leases to core deposits | 74.2408% | 5,417 |
| Total domestic deposits to total assets | 90.9534% | 502 |
| Equity capital to assets | 8.7034% | 5,879 |
| Core capital (leverage) ratio | 8.5077% | 5,390 |
| Tier 1 risk-based capital ratio | 11.7847% | 5,509 |
| Total risk-based capital ratio | 13.0370% | 5,468 |
| Memoranda: | ||
| Average total assets | $93,858,330 | 5,254 |
| Average earning assets | $83,485,670 | 5,316 |
| Average equity | $7,871,000 | 5,848 |
| Average total loans | $65,234,000 | 4,969 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1976% | 645 |
| Cost of funding earning assets | 2.4065% | 298 |
| Net interest margin | 3.7911% | 3,831 |
| Noninterest income to average assets | 0.0587% | 7,422 |
| Noninterest expense to average assets | 3.2014% | 2,858 |
| Loan and lease loss provision to assets | 0.2098% | 4,406 |
| Net operating income to assets | 0.0252% | 6,227 |
| Return on assets (ROA) | 0.0252% | 6,342 |
| Pretax return on assets | 0.0252% | 6,308 |
| Return on Equity (ROE) | 0.3057% | 6,327 |
| Retained earnings to average equity (ytd only) | 0.3057% | 5,708 |
| Net charge-offs to loans | 0.1671% | 3,924 |
| Credit loss provision to net charge-offs | 178.5714% | 2,046 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,540 |
| Efficiency ratio | 93.1624% | 1,190 |
| Assets per employee ($millions) | 2.8580% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 2,895 |
| Loan loss allowance to noncurrent loans | 26.9167% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 7.7623% | 642 |
| Noncurrent loans to loans | 6.5022% | 959 |
| Net loans and leases to total assets | 67.9128% | 3,407 |
| Net loans and leases to deposits | 74.3908% | 4,683 |
| Net loans and leases to core deposits | 77.5110% | 5,084 |
| Total domestic deposits to total assets | 91.2919% | 443 |
| Equity capital to assets | 8.3264% | 6,269 |
| Core capital (leverage) ratio | 8.2238% | 5,874 |
| Tier 1 risk-based capital ratio | 11.4920% | 5,681 |
| Total risk-based capital ratio | 12.7453% | 5,662 |
| Memoranda: | ||
| Average total assets | $95,334,000 | 5,276 |
| Average earning assets | $84,936,500 | 5,340 |
| Average equity | $7,850,500 | 5,895 |
| Average total loans | $67,011,000 | 4,964 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0708% | 251 |
| Cost of funding earning assets | 2.9299% | 279 |
| Net interest margin | 4.1410% | 2,279 |
| Noninterest income to average assets | 0.4816% | 4,551 |
| Noninterest expense to average assets | 3.1022% | 3,732 |
| Loan and lease loss provision to assets | 0.4489% | 4,133 |
| Net operating income to assets | 0.6295% | 3,221 |
| Return on assets (ROA) | 0.0813% | 5,301 |
| Pretax return on assets | 0.0697% | 5,275 |
| Return on Equity (ROE) | 0.9849% | 5,239 |
| Retained earnings to average equity (ytd only) | -0.3837% | 5,055 |
| Net charge-offs to loans | 0.3847% | 4,283 |
| Credit loss provision to net charge-offs | 156.8266% | 2,878 |
| Earnings coverage of net charge-offs (x) | 3.7269% | 3,229 |
| Efficiency ratio | 74.4109% | 3,806 |
| Assets per employee ($millions) | 2.9198% | 6,414 |
| Cash dividends to net income (ytd only)* | 138.9610% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,178 |
| Loan loss allowance to noncurrent loans | 31.8078% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 6.7222% | 778 |
| Noncurrent loans to loans | 5.1112% | 1,307 |
| Net loans and leases to total assets | 70.2729% | 3,192 |
| Net loans and leases to deposits | 78.6914% | 4,237 |
| Net loans and leases to core deposits | 101.5142% | 3,846 |
| Total domestic deposits to total assets | 89.3018% | 1,329 |
| Equity capital to assets | 8.1450% | 6,414 |
| Core capital (leverage) ratio | 8.0971% | 5,998 |
| Tier 1 risk-based capital ratio | 10.9060% | 6,001 |
| Total risk-based capital ratio | 12.1575% | 5,978 |
| Memoranda: | ||
| Average total assets | $94,675,000 | 5,250 |
| Average earning assets | $84,304,200 | 5,323 |
| Average equity | $7,818,200 | 5,991 |
| Average total loans | $70,448,200 | 4,854 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2150% | 223 |
| Cost of funding earning assets | 3.0342% | 299 |
| Net interest margin | 4.1808% | 2,123 |
| Noninterest income to average assets | 0.3918% | 5,367 |
| Noninterest expense to average assets | 2.9564% | 4,221 |
| Loan and lease loss provision to assets | 0.4951% | 3,422 |
| Net operating income to assets | 0.5457% | 3,808 |
| Return on assets (ROA) | 0.0750% | 5,582 |
| Pretax return on assets | -0.0764% | 5,811 |
| Return on Equity (ROE) | 0.9047% | 5,527 |
| Retained earnings to average equity (ytd only) | -0.9218% | 5,468 |
| Net charge-offs to loans | 0.3350% | 3,963 |
| Credit loss provision to net charge-offs | 196.6292% | 2,283 |
| Earnings coverage of net charge-offs (x) | 4.5842% | 3,085 |
| Efficiency ratio | 71.9202% | 4,256 |
| Assets per employee ($millions) | 2.8985% | 6,411 |
| Cash dividends to net income (ytd only)* | 201.8964% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,071 |
| Loan loss allowance to noncurrent loans | 43.4966% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 6.3294% | 814 |
| Noncurrent loans to loans | 3.6349% | 2,057 |
| Net loans and leases to total assets | 73.9966% | 2,520 |
| Net loans and leases to deposits | 83.0307% | 3,825 |
| Net loans and leases to core deposits | 110.4028% | 3,190 |
| Total domestic deposits to total assets | 89.1196% | 1,143 |
| Equity capital to assets | 8.2019% | 6,639 |
| Core capital (leverage) ratio | 8.2078% | 5,996 |
| Tier 1 risk-based capital ratio | 10.5277% | 6,438 |
| Total risk-based capital ratio | 11.7810% | 6,395 |
| Memoranda: | ||
| Average total assets | $94,255,500 | 5,295 |
| Average earning assets | $83,841,250 | 5,382 |
| Average equity | $7,810,750 | 6,044 |
| Average total loans | $70,853,000 | 4,886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3322% | 195 |
| Cost of funding earning assets | 3.1500% | 303 |
| Net interest margin | 4.1823% | 2,055 |
| Noninterest income to average assets | 0.3433% | 5,765 |
| Noninterest expense to average assets | 2.9171% | 4,442 |
| Loan and lease loss provision to assets | 0.5331% | 2,896 |
| Net operating income to assets | 0.4197% | 4,423 |
| Return on assets (ROA) | -0.2900% | 6,331 |
| Pretax return on assets | -0.5182% | 6,447 |
| Return on Equity (ROE) | -3.4875% | 6,416 |
| Retained earnings to average equity (ytd only) | -6.2313% | 6,481 |
| Net charge-offs to loans | 0.5617% | 2,641 |
| Credit loss provision to net charge-offs | 126.2626% | 3,681 |
| Earnings coverage of net charge-offs (x) | 2.6616% | 3,745 |
| Efficiency ratio | 72.1900% | 4,371 |
| Assets per employee ($millions) | 2.9693% | 6,212 |
| Cash dividends to net income (ytd only)* | -78.6765% | 8,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 3,597 |
| Loan loss allowance to noncurrent loans | 141.8410% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 4.6401% | 1,194 |
| Noncurrent loans to loans | 1.0048% | 5,197 |
| Net loans and leases to total assets | 74.0241% | 2,691 |
| Net loans and leases to deposits | 82.9730% | 4,045 |
| Net loans and leases to core deposits | 107.3864% | 3,677 |
| Total domestic deposits to total assets | 89.2148% | 1,158 |
| Equity capital to assets | 8.0279% | 6,718 |
| Core capital (leverage) ratio | 8.0197% | 6,293 |
| Tier 1 risk-based capital ratio | 10.5168% | 6,364 |
| Total risk-based capital ratio | 11.7663% | 6,308 |
| Memoranda: | ||
| Average total assets | $93,791,000 | 5,351 |
| Average earning assets | $82,921,670 | 5,442 |
| Average equity | $7,799,330 | 6,090 |
| Average total loans | $70,499,330 | 4,938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4130% | 188 |
| Cost of funding earning assets | 3.2291% | 317 |
| Net interest margin | 4.1839% | 1,958 |
| Noninterest income to average assets | 0.5066% | 4,266 |
| Noninterest expense to average assets | 2.8247% | 4,447 |
| Loan and lease loss provision to assets | 0.6439% | 1,963 |
| Net operating income to assets | 0.3896% | 4,895 |
| Return on assets (ROA) | 0.4336% | 4,903 |
| Pretax return on assets | 0.8500% | 3,890 |
| Return on Equity (ROE) | 5.1237% | 4,420 |
| Retained earnings to average equity (ytd only) | -0.3044% | 5,714 |
| Net charge-offs to loans | 0.2968% | 2,924 |
| Credit loss provision to net charge-offs | 288.4615% | 1,675 |
| Earnings coverage of net charge-offs (x) | 6.3846% | 2,506 |
| Efficiency ratio | 66.4646% | 5,239 |
| Assets per employee ($millions) | 3.0121% | 6,121 |
| Cash dividends to net income (ytd only)* | 105.9406% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 2,894 |
| Loan loss allowance to noncurrent loans | 292.8375% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 4.0374% | 1,271 |
| Noncurrent loans to loans | 0.5171% | 6,135 |
| Net loans and leases to total assets | 74.0362% | 2,743 |
| Net loans and leases to deposits | 83.3237% | 4,087 |
| Net loans and leases to core deposits | 109.5438% | 3,494 |
| Total domestic deposits to total assets | 88.8537% | 1,304 |
| Equity capital to assets | 8.4261% | 6,190 |
| Core capital (leverage) ratio | 8.4409% | 5,641 |
| Tier 1 risk-based capital ratio | 10.8198% | 6,072 |
| Total risk-based capital ratio | 12.0717% | 5,977 |
| Memoranda: | ||
| Average total assets | $93,177,000 | 5,397 |
| Average earning assets | $83,367,500 | 5,448 |
| Average equity | $7,885,000 | 6,098 |
| Average total loans | $70,072,000 | 4,982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8320% | 236 |
| Cost of funding earning assets | 3.7303% | 246 |
| Net interest margin | 4.1016% | 2,705 |
| Noninterest income to average assets | 0.4829% | 4,776 |
| Noninterest expense to average assets | 3.0354% | 3,950 |
| Loan and lease loss provision to assets | 0.4247% | 3,157 |
| Net operating income to assets | 0.5637% | 4,466 |
| Return on assets (ROA) | 0.5476% | 4,390 |
| Pretax return on assets | 0.7750% | 4,157 |
| Return on Equity (ROE) | 6.5743% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.9990% | 2,646 |
| Net charge-offs to loans | 0.1677% | 4,519 |
| Credit loss provision to net charge-offs | 333.8983% | 1,351 |
| Earnings coverage of net charge-offs (x) | 9.6102% | 2,664 |
| Efficiency ratio | 71.2911% | 4,065 |
| Assets per employee ($millions) | 2.9056% | 6,284 |
| Cash dividends to net income (ytd only)* | 39.1732% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 3,310 |
| Loan loss allowance to noncurrent loans | 53.0220% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 3.7912% | 1,129 |
| Noncurrent loans to loans | 2.6019% | 2,083 |
| Net loans and leases to total assets | 74.1939% | 3,063 |
| Net loans and leases to deposits | 83.7540% | 4,459 |
| Net loans and leases to core deposits | 111.9071% | 3,574 |
| Total domestic deposits to total assets | 88.5855% | 1,212 |
| Equity capital to assets | 8.4988% | 6,084 |
| Core capital (leverage) ratio | 8.3945% | 5,778 |
| Tier 1 risk-based capital ratio | 10.9072% | 5,804 |
| Total risk-based capital ratio | 12.1575% | 5,727 |
| Memoranda: | ||
| Average total assets | $92,771,600 | 5,267 |
| Average earning assets | $85,381,000 | 5,252 |
| Average equity | $7,727,000 | 6,199 |
| Average total loans | $70,345,200 | 4,855 |