Home > Spring Valley Bank > Performance and Condition Ratios
Spring Valley 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 | 8.6100% | 100 |
| Cost of funding earning assets | 2.6904% | 606 |
| Net interest margin | 5.9197% | 102 |
| Noninterest income to average assets | 1.1400% | 480 |
| Noninterest expense to average assets | 2.5537% | 2,149 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 3.5009% | 112 |
| Return on assets (ROA) | 3.5009% | 113 |
| Pretax return on assets | 3.5009% | 138 |
| Return on Equity (ROE) | 10.1200% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.0654% | 1,424 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 41.2839% | 4,256 |
| Assets per employee ($millions) | 14.2890% | 272 |
| Cash dividends to net income (ytd only)* | 10.4058% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4862% | 4,266 |
| Loan loss allowance to noncurrent loans | 59.6178% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 1,090 |
| Noncurrent loans to loans | 0.8155% | 1,276 |
| Net loans and leases to total assets | 83.8000% | 257 |
| Net loans and leases to deposits | 142.0289% | 29 |
| Net loans and leases to core deposits | 165.7352% | 91 |
| Total domestic deposits to total assets | 59.0000% | 4,309 |
| Equity capital to assets | 33.6106% | 152 |
| Core capital (leverage) ratio | 35.7881% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $109,799,500 | 3,702 |
| Average earning assets | $93,519,000 | 3,752 |
| Average equity | $37,990,500 | 2,108 |
| Average total loans | $93,969,000 | 3,271 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0753% | 95 |
| Cost of funding earning assets | 2.5999% | 972 |
| Net interest margin | 6.4754% | 66 |
| Noninterest income to average assets | 0.0900% | 4,243 |
| Noninterest expense to average assets | 2.1848% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 3.5650% | 107 |
| Return on assets (ROA) | 3.5650% | 110 |
| Pretax return on assets | 3.5650% | 130 |
| Return on Equity (ROE) | 10.0100% | 2,152 |
| Retained earnings to average equity (ytd only) | 9.0385% | 785 |
| Net charge-offs to loans | 0.0215% | 2,168 |
| Credit loss provision to net charge-offs | 21.0526% | 2,463 |
| Earnings coverage of net charge-offs (x) | 189.5789% | 526 |
| Efficiency ratio | 37.9714% | 4,344 |
| Assets per employee ($millions) | 11.6986% | 466 |
| Cash dividends to net income (ytd only)* | 9.7276% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4712% | 4,296 |
| Loan loss allowance to noncurrent loans | 38.0952% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 605 |
| Noncurrent loans to loans | 1.2369% | 826 |
| Net loans and leases to total assets | 86.6700% | 122 |
| Net loans and leases to deposits | 153.2678% | 19 |
| Net loans and leases to core deposits | 173.9117% | 88 |
| Total domestic deposits to total assets | 56.5500% | 4,341 |
| Equity capital to assets | 35.6739% | 144 |
| Core capital (leverage) ratio | 34.7826% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $100,925,000 | 3,771 |
| Average earning assets | $88,272,200 | 3,800 |
| Average equity | $35,935,000 | 2,136 |
| Average total loans | $88,215,600 | 3,323 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9234% | 100 |
| Cost of funding earning assets | 2.4769% | 1,215 |
| Net interest margin | 6.4465% | 72 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 2.1101% | 3,306 |
| Loan and lease loss provision to assets | -0.1200% | 4,410 |
| Net operating income to assets | 3.7608% | 97 |
| Return on assets (ROA) | 3.7608% | 100 |
| Pretax return on assets | 3.7608% | 119 |
| Return on Equity (ROE) | 10.5700% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.2542% | 1,036 |
| Net charge-offs to loans | 0.0290% | 1,741 |
| Credit loss provision to net charge-offs | -489.4737% | 4,462 |
| Earnings coverage of net charge-offs (x) | 143.3158% | 635 |
| Efficiency ratio | 36.7186% | 4,393 |
| Assets per employee ($millions) | 11.9918% | 427 |
| Cash dividends to net income (ytd only)* | 12.4290% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3501% | 4,383 |
| Loan loss allowance to noncurrent loans | 15.4592% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.0079% | 200 |
| Noncurrent loans to loans | 2.2647% | 328 |
| Net loans and leases to total assets | 88.3500% | 58 |
| Net loans and leases to deposits | 155.2989% | 18 |
| Net loans and leases to core deposits | 173.0778% | 87 |
| Total domestic deposits to total assets | 56.8900% | 4,374 |
| Equity capital to assets | 34.0761% | 143 |
| Core capital (leverage) ratio | 35.2419% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $99,834,500 | 3,789 |
| Average earning assets | $87,528,250 | 3,818 |
| Average equity | $35,528,750 | 2,148 |
| Average total loans | $87,349,500 | 3,342 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 38,980.0000% | 29 |
| Cost of funding earning assets | -112.0000% | 4,560 |
| Net interest margin | 0.0000% | 4,497 |
| Noninterest income to average assets | 0.0000% | 4,488 |
| Noninterest expense to average assets | 0.0000% | 4,517 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 3.6320% | 110 |
| Pretax return on assets | 3.6320% | 134 |
| Return on Equity (ROE) | 10.0500% | 2,169 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 2.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,687 |
| Efficiency ratio | 4,000.0000% | 21 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 740.0000% | 28 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0178% | 4,417 |
| Total domestic deposits to total assets | 0.0000% | 4,501 |
| Equity capital to assets | 27,513.0000% | 34 |
| Core capital (leverage) ratio | 0.0000% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,000 | 4,540 |
| Average earning assets | $3,835 | 4,535 |
| Average equity | $0 | 4,494 |
| Average total loans | NA | NA |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0269% | 98 |
| Cost of funding earning assets | 2.4588% | 1,063 |
| Net interest margin | 6.5681% | 72 |
| Noninterest income to average assets | 0.1700% | 3,835 |
| Noninterest expense to average assets | 2.0436% | 3,473 |
| Loan and lease loss provision to assets | -0.1700% | 4,493 |
| Net operating income to assets | 4.0072% | 101 |
| Return on assets (ROA) | 4.0072% | 101 |
| Pretax return on assets | 4.0072% | 120 |
| Return on Equity (ROE) | 10.9500% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.9518% | 919 |
| Net charge-offs to loans | 0.0917% | 765 |
| Credit loss provision to net charge-offs | -215.7895% | 4,501 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 976 |
| Efficiency ratio | 34.7639% | 4,427 |
| Assets per employee ($millions) | 12.1043% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4671% | 4,338 |
| Loan loss allowance to noncurrent loans | 59.7222% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 948 |
| Noncurrent loans to loans | 0.7822% | 1,133 |
| Net loans and leases to total assets | 85.1600% | 201 |
| Net loans and leases to deposits | 139.2640% | 23 |
| Net loans and leases to core deposits | 153.1025% | 189 |
| Total domestic deposits to total assets | 61.1500% | 4,413 |
| Equity capital to assets | 36.4139% | 141 |
| Core capital (leverage) ratio | 36.7348% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $95,128,000 | 3,862 |
| Average earning assets | $82,642,000 | 3,907 |
| Average equity | $34,807,000 | 2,148 |
| Average total loans | $82,909,000 | 3,404 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8113% | 132 |
| Cost of funding earning assets | 1.8609% | 1,140 |
| Net interest margin | 5.9504% | 115 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 2.0816% | 3,449 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 3.5206% | 122 |
| Return on assets (ROA) | 3.5206% | 120 |
| Pretax return on assets | 3.5206% | 146 |
| Return on Equity (ROE) | 9.2400% | 2,696 |
| Retained earnings to average equity (ytd only) | 2.8944% | 3,312 |
| Net charge-offs to loans | 0.0207% | 1,926 |
| Credit loss provision to net charge-offs | -64.7059% | 4,464 |
| Earnings coverage of net charge-offs (x) | 181.4118% | 624 |
| Efficiency ratio | 37.2405% | 4,415 |
| Assets per employee ($millions) | 9.3422% | 875 |
| Cash dividends to net income (ytd only)* | 68.6591% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5387% | 4,308 |
| Loan loss allowance to noncurrent loans | 152.0408% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 1,687 |
| Noncurrent loans to loans | 0.3543% | 1,921 |
| Net loans and leases to total assets | 88.3300% | 74 |
| Net loans and leases to deposits | 146.0455% | 17 |
| Net loans and leases to core deposits | 161.5785% | 148 |
| Total domestic deposits to total assets | 60.4800% | 4,435 |
| Equity capital to assets | 36.7719% | 144 |
| Core capital (leverage) ratio | 37.4460% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $87,911,400 | 3,937 |
| Average earning assets | $81,894,200 | 3,909 |
| Average equity | $33,512,800 | 2,116 |
| Average total loans | $82,064,800 | 3,382 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6049% | 130 |
| Cost of funding earning assets | 1.7217% | 1,147 |
| Net interest margin | 5.8832% | 116 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.2326% | 2,985 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 3.3959% | 142 |
| Return on assets (ROA) | 3.3959% | 141 |
| Pretax return on assets | 3.3959% | 169 |
| Return on Equity (ROE) | 8.8200% | 2,977 |
| Retained earnings to average equity (ytd only) | 0.3163% | 4,066 |
| Net charge-offs to loans | 0.0277% | 1,519 |
| Credit loss provision to net charge-offs | -76.4706% | 4,517 |
| Earnings coverage of net charge-offs (x) | 128.8824% | 807 |
| Efficiency ratio | 39.8077% | 4,362 |
| Assets per employee ($millions) | 9.0211% | 922 |
| Cash dividends to net income (ytd only)* | 96.4156% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5382% | 4,324 |
| Loan loss allowance to noncurrent loans | 56.6879% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 623 |
| Noncurrent loans to loans | 0.9493% | 868 |
| Net loans and leases to total assets | 91.1700% | 25 |
| Net loans and leases to deposits | 152.4081% | 15 |
| Net loans and leases to core deposits | 166.6849% | 82 |
| Total domestic deposits to total assets | 59.8200% | 4,461 |
| Equity capital to assets | 36.9977% | 145 |
| Core capital (leverage) ratio | 37.3296% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,533,750 | 3,968 |
| Average earning assets | $81,699,500 | 3,930 |
| Average equity | $33,302,750 | 2,113 |
| Average total loans | $81,838,500 | 3,391 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4492% | 134 |
| Cost of funding earning assets | 1.5734% | 1,120 |
| Net interest margin | 5.8757% | 120 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 2.3093% | 2,775 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 3.3854% | 124 |
| Return on assets (ROA) | 3.3854% | 124 |
| Pretax return on assets | 3.3854% | 156 |
| Return on Equity (ROE) | 8.6800% | 3,065 |
| Retained earnings to average equity (ytd only) | -0.0361% | 4,104 |
| Net charge-offs to loans | 0.0417% | 1,095 |
| Credit loss provision to net charge-offs | -82.3529% | 4,538 |
| Earnings coverage of net charge-offs (x) | 84.1176% | 1,025 |
| Efficiency ratio | 40.7867% | 4,369 |
| Assets per employee ($millions) | 8.6780% | 1,009 |
| Cash dividends to net income (ytd only)* | 100.4155% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 4,346 |
| Loan loss allowance to noncurrent loans | 146.0526% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3503% | 1,511 |
| Noncurrent loans to loans | 0.3712% | 1,812 |
| Net loans and leases to total assets | 93.8700% | 8 |
| Net loans and leases to deposits | 159.2446% | 12 |
| Net loans and leases to core deposits | 171.1165% | 76 |
| Total domestic deposits to total assets | 58.9500% | 4,491 |
| Equity capital to assets | 38.3625% | 138 |
| Core capital (leverage) ratio | 38.8786% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $85,308,000 | 4,002 |
| Average earning assets | $81,351,333 | 3,946 |
| Average equity | $33,278,333 | 2,132 |
| Average total loans | $81,555,000 | 3,396 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3115% | 92 |
| Cost of funding earning assets | 1.4810% | 878 |
| Net interest margin | 5.8305% | 111 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 2.6581% | 1,779 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 3.0790% | 144 |
| Return on assets (ROA) | 3.0790% | 143 |
| Pretax return on assets | 3.0790% | 189 |
| Return on Equity (ROE) | 7.8300% | 3,333 |
| Retained earnings to average equity (ytd only) | -0.5891% | 4,097 |
| Net charge-offs to loans | 0.0836% | 660 |
| Credit loss provision to net charge-offs | -94.1176% | 4,589 |
| Earnings coverage of net charge-offs (x) | 37.3529% | 1,216 |
| Efficiency ratio | 46.9507% | 4,166 |
| Assets per employee ($millions) | 8.7195% | 1,041 |
| Cash dividends to net income (ytd only)* | 107.5269% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5419% | 4,411 |
| Loan loss allowance to noncurrent loans | 148.3221% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 1,497 |
| Noncurrent loans to loans | 0.3653% | 1,836 |
| Net loans and leases to total assets | 93.0400% | 11 |
| Net loans and leases to deposits | 161.9261% | 12 |
| Net loans and leases to core deposits | 174.1291% | 62 |
| Total domestic deposits to total assets | 57.4600% | 4,549 |
| Equity capital to assets | 38.1306% | 100 |
| Core capital (leverage) ratio | 39.4583% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $84,572,000 | 4,056 |
| Average earning assets | $81,297,000 | 4,002 |
| Average equity | $33,272,000 | 2,152 |
| Average total loans | $81,380,500 | 3,434 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5438% | 68 |
| Cost of funding earning assets | 0.4365% | 1,813 |
| Net interest margin | 6.1073% | 53 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.9338% | 3,763 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 4.0075% | 79 |
| Return on assets (ROA) | 4.0075% | 76 |
| Pretax return on assets | 4.0075% | 91 |
| Return on Equity (ROE) | 10.1700% | 2,757 |
| Retained earnings to average equity (ytd only) | 6.4316% | 2,480 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 31.9222% | 4,640 |
| Assets per employee ($millions) | 9.1054% | 883 |
| Cash dividends to net income (ytd only)* | 36.7422% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5850% | 4,353 |
| Loan loss allowance to noncurrent loans | 150.7937% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 1,329 |
| Noncurrent loans to loans | 0.3880% | 1,757 |
| Net loans and leases to total assets | 98.5000% | 2 |
| Net loans and leases to deposits | 176.2116% | 7 |
| Net loans and leases to core deposits | 178.3806% | 38 |
| Total domestic deposits to total assets | 55.9000% | 4,595 |
| Equity capital to assets | 40.6301% | 97 |
| Core capital (leverage) ratio | 41.1549% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $81,496,800 | 4,112 |
| Average earning assets | $78,807,800 | 4,055 |
| Average equity | $32,122,600 | 2,238 |
| Average total loans | $71,479,400 | 3,557 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3610% | 60 |
| Cost of funding earning assets | 0.2706% | 2,478 |
| Net interest margin | 6.0903% | 45 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.1068% | 3,190 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 3.7582% | 85 |
| Return on assets (ROA) | 3.7582% | 79 |
| Pretax return on assets | 3.7582% | 93 |
| Return on Equity (ROE) | 9.6100% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.6771% | 2,485 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 35.2619% | 4,651 |
| Assets per employee ($millions) | 7.9497% | 1,351 |
| Cash dividends to net income (ytd only)* | 30.5144% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 4,387 |
| Loan loss allowance to noncurrent loans | 133.4328% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 1,290 |
| Noncurrent loans to loans | 0.4457% | 1,695 |
| Net loans and leases to total assets | 93.9800% | 5 |
| Net loans and leases to deposits | 162.1008% | 9 |
| Net loans and leases to core deposits | 163.9866% | 42 |
| Total domestic deposits to total assets | 57.9700% | 4,629 |
| Equity capital to assets | 41.2896% | 93 |
| Core capital (leverage) ratio | 41.9337% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $81,383,750 | 4,142 |
| Average earning assets | $78,330,000 | 4,082 |
| Average equity | $31,829,250 | 2,284 |
| Average total loans | $69,050,750 | 3,608 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1387% | 60 |
| Cost of funding earning assets | 0.2496% | 2,277 |
| Net interest margin | 5.8891% | 53 |
| Noninterest income to average assets | 0.0683% | 4,588 |
| Noninterest expense to average assets | 2.1533% | 2,987 |
| Loan and lease loss provision to assets | 0.0439% | 1,779 |
| Net operating income to assets | 3.5092% | 54 |
| Return on assets (ROA) | 3.5092% | 52 |
| Pretax return on assets | 3.5092% | 69 |
| Return on Equity (ROE) | 9.1372% | 2,654 |
| Retained earnings to average equity (ytd only) | 4.6924% | 2,820 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.7350% | 4,658 |
| Assets per employee ($millions) | 7.7639% | 1,441 |
| Cash dividends to net income (ytd only)* | 48.6449% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 4,483 |
| Loan loss allowance to noncurrent loans | 92.7739% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 1,034 |
| Noncurrent loans to loans | 0.6252% | 1,359 |
| Net loans and leases to total assets | 87.8643% | 46 |
| Net loans and leases to deposits | 149.5462% | 9 |
| Net loans and leases to core deposits | 152.1478% | 49 |
| Total domestic deposits to total assets | 58.7540% | 4,696 |
| Equity capital to assets | 41.1765% | 49 |
| Core capital (leverage) ratio | 39.5759% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4579% | 144 |
| Memoranda: | ||
| Average total assets | $82,012,667 | 4,177 |
| Average earning assets | $78,518,000 | 4,136 |
| Average equity | $31,497,667 | 2,344 |
| Average total loans | $67,015,667 | 3,673 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1292% | 61 |
| Cost of funding earning assets | 0.2695% | 1,933 |
| Net interest margin | 5.8597% | 53 |
| Noninterest income to average assets | 0.0808% | 4,574 |
| Noninterest expense to average assets | 2.0285% | 3,359 |
| Loan and lease loss provision to assets | 0.0143% | 2,095 |
| Net operating income to assets | 3.6152% | 57 |
| Return on assets (ROA) | 3.6152% | 55 |
| Pretax return on assets | 3.6152% | 72 |
| Return on Equity (ROE) | 9.7371% | 2,074 |
| Retained earnings to average equity (ytd only) | 0.7805% | 3,863 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8522% | 4,704 |
| Assets per employee ($millions) | 9.1413% | 870 |
| Cash dividends to net income (ytd only)* | 91.9842% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5831% | 4,517 |
| Loan loss allowance to noncurrent loans | 62.9934% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 758 |
| Noncurrent loans to loans | 0.9256% | 985 |
| Net loans and leases to total assets | 79.3745% | 271 |
| Net loans and leases to deposits | 128.2866% | 24 |
| Net loans and leases to core deposits | 129.6337% | 93 |
| Total domestic deposits to total assets | 61.8728% | 4,720 |
| Equity capital to assets | 38.0348% | 48 |
| Core capital (leverage) ratio | 38.0420% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5016% | 126 |
| Memoranda: | ||
| Average total assets | $84,199,500 | 4,170 |
| Average earning assets | $80,140,500 | 4,139 |
| Average equity | $31,262,000 | 2,421 |
| Average total loans | $66,216,000 | 3,697 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2504% | 66 |
| Cost of funding earning assets | 0.5642% | 656 |
| Net interest margin | 5.6863% | 71 |
| Noninterest income to average assets | 0.2989% | 3,609 |
| Noninterest expense to average assets | 1.9051% | 3,911 |
| Loan and lease loss provision to assets | -0.0449% | 4,325 |
| Net operating income to assets | 3.8792% | 61 |
| Return on assets (ROA) | 3.8792% | 63 |
| Pretax return on assets | 3.8792% | 83 |
| Return on Equity (ROE) | 10.7923% | 2,238 |
| Retained earnings to average equity (ytd only) | -8.4590% | 4,747 |
| Net charge-offs to loans | 0.0288% | 1,663 |
| Credit loss provision to net charge-offs | -205.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | 175.1000% | 591 |
| Efficiency ratio | 33.1934% | 4,774 |
| Assets per employee ($millions) | 14.3545% | 227 |
| Cash dividends to net income (ytd only)* | 178.3799% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5693% | 4,562 |
| Loan loss allowance to noncurrent loans | 92.9095% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 1,396 |
| Noncurrent loans to loans | 0.6128% | 1,614 |
| Net loans and leases to total assets | 77.0560% | 441 |
| Net loans and leases to deposits | 121.0440% | 38 |
| Net loans and leases to core deposits | 122.2232% | 149 |
| Total domestic deposits to total assets | 63.6595% | 4,749 |
| Equity capital to assets | 36.2627% | 46 |
| Core capital (leverage) ratio | 35.6103% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3164% | 153 |
| Memoranda: | ||
| Average total assets | $91,333,800 | 4,082 |
| Average earning assets | $87,385,800 | 4,048 |
| Average equity | $32,829,000 | 2,391 |
| Average total loans | $69,341,800 | 3,664 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1458% | 76 |
| Cost of funding earning assets | 0.6265% | 554 |
| Net interest margin | 5.5194% | 87 |
| Noninterest income to average assets | 0.3512% | 3,352 |
| Noninterest expense to average assets | 1.9373% | 3,844 |
| Loan and lease loss provision to assets | -0.0464% | 4,444 |
| Net operating income to assets | 3.7479% | 77 |
| Return on assets (ROA) | 3.7479% | 78 |
| Pretax return on assets | 3.7479% | 101 |
| Return on Equity (ROE) | 10.4487% | 2,567 |
| Retained earnings to average equity (ytd only) | -6.4040% | 4,810 |
| Net charge-offs to loans | 0.0400% | 1,287 |
| Credit loss provision to net charge-offs | -152.3810% | 3,325 |
| Earnings coverage of net charge-offs (x) | 122.4762% | 766 |
| Efficiency ratio | 34.3543% | 4,833 |
| Assets per employee ($millions) | 12.9823% | 307 |
| Cash dividends to net income (ytd only)* | 161.2903% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5798% | 4,645 |
| Loan loss allowance to noncurrent loans | 36.2278% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.1785% | 507 |
| Noncurrent loans to loans | 1.6005% | 640 |
| Net loans and leases to total assets | 73.2074% | 753 |
| Net loans and leases to deposits | 113.9881% | 70 |
| Net loans and leases to core deposits | 113.9881% | 253 |
| Total domestic deposits to total assets | 64.2238% | 4,809 |
| Equity capital to assets | 35.6662% | 50 |
| Core capital (leverage) ratio | 35.5547% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6550% | 105 |
| Memoranda: | ||
| Average total assets | $92,635,500 | 4,124 |
| Average earning assets | $88,751,750 | 4,084 |
| Average equity | $33,228,250 | 2,405 |
| Average total loans | $69,990,750 | 3,699 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1585% | 81 |
| Cost of funding earning assets | 0.6830% | 500 |
| Net interest margin | 5.4755% | 102 |
| Noninterest income to average assets | 0.4377% | 2,918 |
| Noninterest expense to average assets | 1.8729% | 4,028 |
| Loan and lease loss provision to assets | -0.0150% | 4,419 |
| Net operating income to assets | 3.8253% | 76 |
| Return on assets (ROA) | 3.8253% | 77 |
| Pretax return on assets | 3.8253% | 100 |
| Return on Equity (ROE) | 10.6447% | 2,547 |
| Retained earnings to average equity (ytd only) | -6.0716% | 4,808 |
| Net charge-offs to loans | 0.0591% | 1,025 |
| Credit loss provision to net charge-offs | -33.3333% | 2,953 |
| Earnings coverage of net charge-offs (x) | 84.5714% | 817 |
| Efficiency ratio | 32.9558% | 4,883 |
| Assets per employee ($millions) | 10.3058% | 559 |
| Cash dividends to net income (ytd only)* | 157.0387% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 4,649 |
| Loan loss allowance to noncurrent loans | 40.5299% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 675 |
| Noncurrent loans to loans | 1.5023% | 753 |
| Net loans and leases to total assets | 72.6863% | 884 |
| Net loans and leases to deposits | 112.9204% | 85 |
| Net loans and leases to core deposits | 113.4258% | 294 |
| Total domestic deposits to total assets | 64.3695% | 4,840 |
| Equity capital to assets | 35.5690% | 48 |
| Core capital (leverage) ratio | 35.8045% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.7715% | 100 |
| Memoranda: | ||
| Average total assets | $93,222,000 | 4,137 |
| Average earning assets | $89,307,667 | 4,096 |
| Average equity | $33,500,333 | 2,379 |
| Average total loans | $71,015,667 | 3,706 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2805% | 76 |
| Cost of funding earning assets | 0.7103% | 526 |
| Net interest margin | 5.5701% | 96 |
| Noninterest income to average assets | 0.4622% | 2,781 |
| Noninterest expense to average assets | 1.8661% | 4,066 |
| Loan and lease loss provision to assets | 0.0770% | 1,652 |
| Net operating income to assets | 3.8221% | 91 |
| Return on assets (ROA) | 3.8221% | 96 |
| Pretax return on assets | 3.8221% | 117 |
| Return on Equity (ROE) | 10.5821% | 2,502 |
| Retained earnings to average equity (ytd only) | -6.0080% | 4,732 |
| Net charge-offs to loans | 0.1157% | 611 |
| Credit loss provision to net charge-offs | 85.7143% | 1,185 |
| Earnings coverage of net charge-offs (x) | 43.3810% | 957 |
| Efficiency ratio | 32.3682% | 4,891 |
| Assets per employee ($millions) | 9.3795% | 727 |
| Cash dividends to net income (ytd only)* | 156.7749% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 4,679 |
| Loan loss allowance to noncurrent loans | 42.6901% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 727 |
| Noncurrent loans to loans | 1.4255% | 888 |
| Net loans and leases to total assets | 76.2674% | 606 |
| Net loans and leases to deposits | 118.7776% | 77 |
| Net loans and leases to core deposits | 120.0232% | 241 |
| Total domestic deposits to total assets | 64.2102% | 4,860 |
| Equity capital to assets | 35.7173% | 47 |
| Core capital (leverage) ratio | 36.5464% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.7455% | 105 |
| Memoranda: | ||
| Average total assets | $93,457,000 | 4,147 |
| Average earning assets | $88,974,500 | 4,113 |
| Average equity | $33,755,000 | 2,364 |
| Average total loans | $72,608,000 | 3,695 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2852% | 38 |
| Cost of funding earning assets | 0.9867% | 622 |
| Net interest margin | 6.2985% | 35 |
| Noninterest income to average assets | 0.5302% | 2,510 |
| Noninterest expense to average assets | 1.6077% | 4,698 |
| Loan and lease loss provision to assets | -0.0011% | 4,897 |
| Net operating income to assets | 4.9174% | 43 |
| Return on assets (ROA) | 4.9174% | 42 |
| Pretax return on assets | 4.9174% | 59 |
| Return on Equity (ROE) | 12.9338% | 1,062 |
| Retained earnings to average equity (ytd only) | 2.5862% | 3,552 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.6432% | 4,977 |
| Assets per employee ($millions) | 10.3466% | 477 |
| Cash dividends to net income (ytd only)* | 80.0046% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6021% | 4,711 |
| Loan loss allowance to noncurrent loans | 40.9091% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 767 |
| Noncurrent loans to loans | 1.4718% | 909 |
| Net loans and leases to total assets | 78.1817% | 589 |
| Net loans and leases to deposits | 123.3639% | 59 |
| Net loans and leases to core deposits | 124.6780% | 259 |
| Total domestic deposits to total assets | 63.3748% | 4,886 |
| Equity capital to assets | 36.5221% | 48 |
| Core capital (leverage) ratio | 37.1204% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.1769% | 110 |
| Memoranda: | ||
| Average total assets | $88,074,800 | 4,140 |
| Average earning assets | $83,813,400 | 4,103 |
| Average equity | $33,485,800 | 2,316 |
| Average total loans | $74,227,600 | 3,655 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3014% | 39 |
| Cost of funding earning assets | 1.0579% | 625 |
| Net interest margin | 6.2435% | 38 |
| Noninterest income to average assets | 0.5053% | 2,598 |
| Noninterest expense to average assets | 1.5251% | 4,783 |
| Loan and lease loss provision to assets | 0.0035% | 4,218 |
| Net operating income to assets | 4.8962% | 44 |
| Return on assets (ROA) | 4.8962% | 43 |
| Pretax return on assets | 4.8962% | 55 |
| Return on Equity (ROE) | 12.7434% | 1,188 |
| Retained earnings to average equity (ytd only) | 1.2911% | 4,155 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7389% | 5,011 |
| Assets per employee ($millions) | 10.1977% | 478 |
| Cash dividends to net income (ytd only)* | 89.8683% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 4,721 |
| Loan loss allowance to noncurrent loans | 52.2353% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 1,234 |
| Noncurrent loans to loans | 1.1499% | 1,320 |
| Net loans and leases to total assets | 80.0575% | 609 |
| Net loans and leases to deposits | 126.2062% | 73 |
| Net loans and leases to core deposits | 127.5625% | 278 |
| Total domestic deposits to total assets | 63.4339% | 4,896 |
| Equity capital to assets | 36.4626% | 46 |
| Core capital (leverage) ratio | 37.3840% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8206% | 126 |
| Memoranda: | ||
| Average total assets | $86,813,750 | 4,162 |
| Average earning assets | $82,302,250 | 4,128 |
| Average equity | $33,355,000 | 2,312 |
| Average total loans | $74,473,750 | 3,667 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5547% | 40 |
| Cost of funding earning assets | 1.1197% | 672 |
| Net interest margin | 6.4350% | 48 |
| Noninterest income to average assets | 0.3077% | 3,616 |
| Noninterest expense to average assets | 1.5289% | 4,829 |
| Loan and lease loss provision to assets | -0.0470% | 5,020 |
| Net operating income to assets | 4.9132% | 37 |
| Return on assets (ROA) | 4.9132% | 36 |
| Pretax return on assets | 4.9132% | 45 |
| Return on Equity (ROE) | 12.5577% | 1,206 |
| Retained earnings to average equity (ytd only) | 4.6641% | 2,625 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.9075% | 5,038 |
| Assets per employee ($millions) | 8.9322% | 690 |
| Cash dividends to net income (ytd only)* | 62.8585% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5723% | 4,772 |
| Loan loss allowance to noncurrent loans | 67.9549% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 1,762 |
| Noncurrent loans to loans | 0.8422% | 1,812 |
| Net loans and leases to total assets | 82.0761% | 408 |
| Net loans and leases to deposits | 132.5331% | 48 |
| Net loans and leases to core deposits | 138.6122% | 180 |
| Total domestic deposits to total assets | 61.9288% | 4,941 |
| Equity capital to assets | 37.9738% | 44 |
| Core capital (leverage) ratio | 39.7569% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.7833% | 122 |
| Memoranda: | ||
| Average total assets | $85,158,667 | 4,193 |
| Average earning assets | $80,559,000 | 4,158 |
| Average equity | $33,318,333 | 2,306 |
| Average total loans | $74,658,333 | 3,670 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6761% | 47 |
| Cost of funding earning assets | 1.1623% | 871 |
| Net interest margin | 6.5138% | 45 |
| Noninterest income to average assets | 0.1830% | 4,451 |
| Noninterest expense to average assets | 1.6852% | 4,789 |
| Loan and lease loss provision to assets | 0.0481% | 3,176 |
| Net operating income to assets | 4.6559% | 33 |
| Return on assets (ROA) | 4.6559% | 33 |
| Pretax return on assets | 4.6559% | 37 |
| Return on Equity (ROE) | 11.7148% | 1,192 |
| Retained earnings to average equity (ytd only) | -3.0044% | 4,352 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.3753% | 5,076 |
| Assets per employee ($millions) | 8.4114% | 643 |
| Cash dividends to net income (ytd only)* | 125.6463% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6002% | 4,757 |
| Loan loss allowance to noncurrent loans | 54.0670% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9939% | 1,328 |
| Noncurrent loans to loans | 1.1102% | 1,492 |
| Net loans and leases to total assets | 88.9876% | 51 |
| Net loans and leases to deposits | 146.3563% | 12 |
| Net loans and leases to core deposits | 153.5941% | 104 |
| Total domestic deposits to total assets | 60.8020% | 5,019 |
| Equity capital to assets | 39.1065% | 49 |
| Core capital (leverage) ratio | 40.4217% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.0142% | 133 |
| Memoranda: | ||
| Average total assets | $83,077,000 | 4,225 |
| Average earning assets | $79,154,500 | 4,186 |
| Average equity | $33,018,000 | 2,303 |
| Average total loans | $75,120,500 | 3,659 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7274% | 51 |
| Cost of funding earning assets | 1.0608% | 1,473 |
| Net interest margin | 6.6666% | 45 |
| Noninterest income to average assets | 0.1267% | 4,829 |
| Noninterest expense to average assets | 1.6305% | 4,930 |
| Loan and lease loss provision to assets | 0.1381% | 1,546 |
| Net operating income to assets | 4.7673% | 41 |
| Return on assets (ROA) | 4.7673% | 45 |
| Pretax return on assets | 4.7673% | 51 |
| Return on Equity (ROE) | 11.6572% | 1,638 |
| Retained earnings to average equity (ytd only) | 4.6096% | 2,644 |
| Net charge-offs to loans | 0.0540% | 2,328 |
| Credit loss provision to net charge-offs | 286.8421% | 978 |
| Earnings coverage of net charge-offs (x) | 101.8947% | 668 |
| Efficiency ratio | 24.9467% | 5,149 |
| Assets per employee ($millions) | 9.1156% | 485 |
| Cash dividends to net income (ytd only)* | 60.4571% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 4,759 |
| Loan loss allowance to noncurrent loans | 95.0538% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5668% | 2,187 |
| Noncurrent loans to loans | 0.6205% | 2,337 |
| Net loans and leases to total assets | 90.8045% | 38 |
| Net loans and leases to deposits | 152.6120% | 12 |
| Net loans and leases to core deposits | 160.4756% | 80 |
| Total domestic deposits to total assets | 59.5002% | 5,090 |
| Equity capital to assets | 40.3974% | 48 |
| Core capital (leverage) ratio | 41.9153% | 47 |
| Tier 1 risk-based capital ratio | 41.4166% | 225 |
| Total risk-based capital ratio | 41.9690% | 227 |
| Memoranda: | ||
| Average total assets | $78,933,800 | 4,306 |
| Average earning assets | $75,885,800 | 4,255 |
| Average equity | $32,280,600 | 2,288 |
| Average total loans | $70,409,000 | 3,768 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7360% | 51 |
| Cost of funding earning assets | 1.0452% | 1,559 |
| Net interest margin | 6.6908% | 44 |
| Noninterest income to average assets | 0.1143% | 4,939 |
| Noninterest expense to average assets | 1.6854% | 4,937 |
| Loan and lease loss provision to assets | 0.1484% | 1,284 |
| Net operating income to assets | 4.7015% | 40 |
| Return on assets (ROA) | 4.7015% | 42 |
| Pretax return on assets | 4.7015% | 53 |
| Return on Equity (ROE) | 11.4597% | 1,817 |
| Retained earnings to average equity (ytd only) | 4.7028% | 3,056 |
| Net charge-offs to loans | 0.0731% | 1,776 |
| Credit loss provision to net charge-offs | 228.9474% | 1,177 |
| Earnings coverage of net charge-offs (x) | 74.8090% | 901 |
| Efficiency ratio | 25.7896% | 5,225 |
| Assets per employee ($millions) | 8.9236% | 500 |
| Cash dividends to net income (ytd only)* | 58.9623% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 4,833 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,165 |
| Noncurrent loans to loans | 0.3865% | 3,165 |
| Net loans and leases to total assets | 87.4353% | 123 |
| Net loans and leases to deposits | 147.9988% | 17 |
| Net loans and leases to core deposits | 155.7974% | 101 |
| Total domestic deposits to total assets | 59.0783% | 5,169 |
| Equity capital to assets | 40.8233% | 48 |
| Core capital (leverage) ratio | 41.5939% | 50 |
| Tier 1 risk-based capital ratio | 43.3402% | 194 |
| Total risk-based capital ratio | 43.8954% | 200 |
| Memoranda: | ||
| Average total assets | $78,157,250 | 4,372 |
| Average earning assets | $75,006,750 | 4,323 |
| Average equity | $32,065,250 | 2,312 |
| Average total loans | $69,276,750 | 3,832 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9164% | 33 |
| Cost of funding earning assets | 0.9877% | 1,752 |
| Net interest margin | 7.9286% | 30 |
| Noninterest income to average assets | 0.1162% | 4,981 |
| Noninterest expense to average assets | 1.7459% | 4,929 |
| Loan and lease loss provision to assets | 1.7640% | 45 |
| Net operating income to assets | 4.2563% | 43 |
| Return on assets (ROA) | 4.2563% | 46 |
| Pretax return on assets | 4.2563% | 55 |
| Return on Equity (ROE) | 10.3566% | 2,231 |
| Retained earnings to average equity (ytd only) | 2.9725% | 3,729 |
| Net charge-offs to loans | 0.1104% | 1,307 |
| Credit loss provision to net charge-offs | 1,797.3684% | 214 |
| Earnings coverage of net charge-offs (x) | 61.3421% | 965 |
| Efficiency ratio | 22.4809% | 5,275 |
| Assets per employee ($millions) | 8.7618% | 517 |
| Cash dividends to net income (ytd only)* | 71.2985% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 1,535 |
| Loan loss allowance to noncurrent loans | 336.4238% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 2,975 |
| Noncurrent loans to loans | 0.4218% | 3,016 |
| Net loans and leases to total assets | 89.5138% | 65 |
| Net loans and leases to deposits | 151.3249% | 15 |
| Net loans and leases to core deposits | 158.4871% | 99 |
| Total domestic deposits to total assets | 59.1534% | 5,217 |
| Equity capital to assets | 40.7426% | 49 |
| Core capital (leverage) ratio | 41.0818% | 48 |
| Tier 1 risk-based capital ratio | 42.0056% | 213 |
| Total risk-based capital ratio | 43.2568% | 205 |
| Memoranda: | ||
| Average total assets | $77,439,000 | 4,418 |
| Average earning assets | $74,716,670 | 4,355 |
| Average equity | $31,825,000 | 2,313 |
| Average total loans | $68,822,000 | 3,862 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0909% | 69 |
| Cost of funding earning assets | 0.9465% | 1,809 |
| Net interest margin | 6.1444% | 63 |
| Noninterest income to average assets | 0.0886% | 5,119 |
| Noninterest expense to average assets | 1.7777% | 4,941 |
| Loan and lease loss provision to assets | 0.2554% | 563 |
| Net operating income to assets | 3.9776% | 57 |
| Return on assets (ROA) | 3.9776% | 60 |
| Pretax return on assets | 3.9776% | 74 |
| Return on Equity (ROE) | 9.6358% | 2,529 |
| Retained earnings to average equity (ytd only) | 0.4799% | 4,438 |
| Net charge-offs to loans | 0.1483% | 881 |
| Credit loss provision to net charge-offs | 196.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 32.4800% | 1,281 |
| Efficiency ratio | 29.5750% | 5,317 |
| Assets per employee ($millions) | 8.5812% | 546 |
| Cash dividends to net income (ytd only)* | 95.0197% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5767% | 4,977 |
| Loan loss allowance to noncurrent loans | 58.0029% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4826% | 814 |
| Noncurrent loans to loans | 0.9943% | 1,686 |
| Net loans and leases to total assets | 88.1731% | 93 |
| Net loans and leases to deposits | 149.7559% | 13 |
| Net loans and leases to core deposits | 157.3624% | 101 |
| Total domestic deposits to total assets | 58.8779% | 5,287 |
| Equity capital to assets | 41.0366% | 44 |
| Core capital (leverage) ratio | 41.4629% | 46 |
| Tier 1 risk-based capital ratio | 42.2934% | 201 |
| Total risk-based capital ratio | 42.8205% | 209 |
| Memoranda: | ||
| Average total assets | $76,730,500 | 4,474 |
| Average earning assets | $73,953,500 | 4,417 |
| Average equity | $31,673,500 | 2,319 |
| Average total loans | $67,431,500 | 3,935 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9593% | 66 |
| Cost of funding earning assets | 0.6828% | 2,193 |
| Net interest margin | 6.2765% | 60 |
| Noninterest income to average assets | 0.1206% | 5,078 |
| Noninterest expense to average assets | 1.8528% | 4,950 |
| Loan and lease loss provision to assets | 0.1095% | 2,009 |
| Net operating income to assets | 4.1961% | 44 |
| Return on assets (ROA) | 4.1961% | 44 |
| Pretax return on assets | 4.1961% | 53 |
| Return on Equity (ROE) | 9.7820% | 2,613 |
| Retained earnings to average equity (ytd only) | 3.8055% | 3,480 |
| Net charge-offs to loans | 0.1273% | 1,480 |
| Credit loss provision to net charge-offs | 101.2821% | 2,486 |
| Earnings coverage of net charge-offs (x) | 39.8333% | 1,311 |
| Efficiency ratio | 30.0855% | 5,366 |
| Assets per employee ($millions) | 8.4700% | 556 |
| Cash dividends to net income (ytd only)* | 61.0964% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 5,044 |
| Loan loss allowance to noncurrent loans | 53.8462% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.6424% | 670 |
| Noncurrent loans to loans | 1.0381% | 1,578 |
| Net loans and leases to total assets | 86.5801% | 204 |
| Net loans and leases to deposits | 148.3279% | 14 |
| Net loans and leases to core deposits | 156.0026% | 107 |
| Total domestic deposits to total assets | 58.3707% | 5,333 |
| Equity capital to assets | 41.5243% | 46 |
| Core capital (leverage) ratio | 42.3641% | 44 |
| Tier 1 risk-based capital ratio | 43.2219% | 191 |
| Total risk-based capital ratio | 43.7285% | 196 |
| Memoranda: | ||
| Average total assets | $72,161,800 | 4,550 |
| Average earning assets | $69,417,800 | 4,506 |
| Average equity | $30,954,800 | 2,288 |
| Average total loans | $61,294,200 | 4,062 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8862% | 66 |
| Cost of funding earning assets | 0.6207% | 2,332 |
| Net interest margin | 6.2655% | 61 |
| Noninterest income to average assets | 0.1181% | 5,141 |
| Noninterest expense to average assets | 1.8403% | 4,996 |
| Loan and lease loss provision to assets | 0.0974% | 2,033 |
| Net operating income to assets | 4.1960% | 48 |
| Return on assets (ROA) | 4.1960% | 48 |
| Pretax return on assets | 4.1960% | 57 |
| Return on Equity (ROE) | 9.6987% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.4177% | 4,055 |
| Net charge-offs to loans | 0.1533% | 1,073 |
| Credit loss provision to net charge-offs | 75.3623% | 2,579 |
| Earnings coverage of net charge-offs (x) | 33.2021% | 1,522 |
| Efficiency ratio | 30.0031% | 5,432 |
| Assets per employee ($millions) | 8.0526% | 637 |
| Cash dividends to net income (ytd only)* | 64.7612% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5572% | 5,112 |
| Loan loss allowance to noncurrent loans | 48.8920% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.7731% | 665 |
| Noncurrent loans to loans | 1.1396% | 1,488 |
| Net loans and leases to total assets | 86.9331% | 193 |
| Net loans and leases to deposits | 153.1057% | 11 |
| Net loans and leases to core deposits | 162.8195% | 81 |
| Total domestic deposits to total assets | 56.7798% | 5,411 |
| Equity capital to assets | 43.1402% | 42 |
| Core capital (leverage) ratio | 42.7883% | 44 |
| Tier 1 risk-based capital ratio | 44.5510% | 175 |
| Total risk-based capital ratio | 45.0540% | 177 |
| Memoranda: | ||
| Average total assets | $71,144,750 | 4,612 |
| Average earning assets | $68,308,500 | 4,566 |
| Average equity | $30,780,000 | 2,299 |
| Average total loans | $60,025,000 | 4,135 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5954% | 75 |
| Cost of funding earning assets | 0.5260% | 2,792 |
| Net interest margin | 6.0694% | 72 |
| Noninterest income to average assets | 0.1330% | 5,144 |
| Noninterest expense to average assets | 1.9009% | 4,959 |
| Loan and lease loss provision to assets | 0.0707% | 2,472 |
| Net operating income to assets | 3.9716% | 46 |
| Return on assets (ROA) | 3.9716% | 46 |
| Pretax return on assets | 3.9716% | 59 |
| Return on Equity (ROE) | 9.1710% | 2,942 |
| Retained earnings to average equity (ytd only) | 2.3123% | 4,347 |
| Net charge-offs to loans | 0.1358% | 1,105 |
| Credit loss provision to net charge-offs | 62.5000% | 2,410 |
| Earnings coverage of net charge-offs (x) | 35.7250% | 1,375 |
| Efficiency ratio | 31.9848% | 5,483 |
| Assets per employee ($millions) | 7.8727% | 654 |
| Cash dividends to net income (ytd only)* | 74.7863% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5695% | 5,162 |
| Loan loss allowance to noncurrent loans | 32.8096% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.3217% | 396 |
| Noncurrent loans to loans | 1.7359% | 915 |
| Net loans and leases to total assets | 87.4714% | 173 |
| Net loans and leases to deposits | 155.0549% | 8 |
| Net loans and leases to core deposits | 165.1575% | 65 |
| Total domestic deposits to total assets | 56.4132% | 5,476 |
| Equity capital to assets | 43.5120% | 45 |
| Core capital (leverage) ratio | 43.7007% | 44 |
| Tier 1 risk-based capital ratio | 44.6863% | 176 |
| Total risk-based capital ratio | 45.2009% | 180 |
| Memoranda: | ||
| Average total assets | $70,702,000 | 4,674 |
| Average earning assets | $67,683,670 | 4,627 |
| Average equity | $30,618,330 | 2,316 |
| Average total loans | $58,914,670 | 4,191 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4916% | 79 |
| Cost of funding earning assets | 0.4628% | 3,103 |
| Net interest margin | 6.0288% | 68 |
| Noninterest income to average assets | 0.1359% | 5,187 |
| Noninterest expense to average assets | 1.9766% | 4,892 |
| Loan and lease loss provision to assets | -0.1869% | 5,546 |
| Net operating income to assets | 4.1005% | 48 |
| Return on assets (ROA) | 4.1005% | 48 |
| Pretax return on assets | 4.1005% | 62 |
| Return on Equity (ROE) | 9.4912% | 2,680 |
| Retained earnings to average equity (ytd only) | 0.9701% | 4,637 |
| Net charge-offs to loans | 0.0489% | 1,615 |
| Credit loss provision to net charge-offs | -471.4286% | 3,985 |
| Earnings coverage of net charge-offs (x) | 98.7143% | 619 |
| Efficiency ratio | 33.5577% | 5,539 |
| Assets per employee ($millions) | 7.8509% | 655 |
| Cash dividends to net income (ytd only)* | 89.7790% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5757% | 5,227 |
| Loan loss allowance to noncurrent loans | 49.1803% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 718 |
| Noncurrent loans to loans | 1.1705% | 1,557 |
| Net loans and leases to total assets | 80.6646% | 840 |
| Net loans and leases to deposits | 142.2340% | 18 |
| Net loans and leases to core deposits | 151.4401% | 117 |
| Total domestic deposits to total assets | 56.7126% | 5,539 |
| Equity capital to assets | 43.2364% | 43 |
| Core capital (leverage) ratio | 43.8867% | 40 |
| Tier 1 risk-based capital ratio | 46.6918% | 155 |
| Total risk-based capital ratio | 47.1962% | 162 |
| Memoranda: | ||
| Average total assets | $70,626,000 | 4,728 |
| Average earning assets | $67,410,000 | 4,686 |
| Average equity | $30,512,500 | 2,337 |
| Average total loans | $57,206,000 | 4,278 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4959% | 76 |
| Cost of funding earning assets | 0.3450% | 3,760 |
| Net interest margin | 6.1509% | 62 |
| Noninterest income to average assets | 0.1924% | 4,990 |
| Noninterest expense to average assets | 2.0119% | 4,940 |
| Loan and lease loss provision to assets | -0.0043% | 5,291 |
| Net operating income to assets | 4.0223% | 45 |
| Return on assets (ROA) | 4.0223% | 44 |
| Pretax return on assets | 4.0223% | 64 |
| Return on Equity (ROE) | 9.3390% | 2,161 |
| Retained earnings to average equity (ytd only) | 2.7040% | 3,696 |
| Net charge-offs to loans | 0.0285% | 3,245 |
| Credit loss provision to net charge-offs | -18.7500% | 4,601 |
| Earnings coverage of net charge-offs (x) | 174.8750% | 438 |
| Efficiency ratio | 33.3651% | 5,611 |
| Assets per employee ($millions) | 7.0594% | 945 |
| Cash dividends to net income (ytd only)* | 71.0461% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 5,159 |
| Loan loss allowance to noncurrent loans | 22.3700% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 3.3445% | 209 |
| Noncurrent loans to loans | 2.8974% | 392 |
| Net loans and leases to total assets | 80.3411% | 912 |
| Net loans and leases to deposits | 141.5388% | 20 |
| Net loans and leases to core deposits | 149.3194% | 137 |
| Total domestic deposits to total assets | 56.7626% | 5,603 |
| Equity capital to assets | 43.1694% | 41 |
| Core capital (leverage) ratio | 43.0779% | 38 |
| Tier 1 risk-based capital ratio | 49.0449% | 122 |
| Total risk-based capital ratio | 49.6403% | 126 |
| Memoranda: | ||
| Average total assets | $69,636,200 | 4,783 |
| Average earning assets | $66,087,600 | 4,741 |
| Average equity | $29,992,400 | 2,356 |
| Average total loans | $56,223,400 | 4,282 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5839% | 70 |
| Cost of funding earning assets | 0.3184% | 3,948 |
| Net interest margin | 6.2656% | 58 |
| Noninterest income to average assets | 0.2094% | 4,960 |
| Noninterest expense to average assets | 2.0442% | 4,863 |
| Loan and lease loss provision to assets | -0.0077% | 5,451 |
| Net operating income to assets | 4.1096% | 50 |
| Return on assets (ROA) | 4.1096% | 50 |
| Pretax return on assets | 4.1096% | 70 |
| Return on Equity (ROE) | 9.5472% | 2,326 |
| Retained earnings to average equity (ytd only) | 2.4504% | 4,424 |
| Net charge-offs to loans | 0.0381% | 2,678 |
| Credit loss provision to net charge-offs | -25.0000% | 4,402 |
| Earnings coverage of net charge-offs (x) | 133.4552% | 579 |
| Efficiency ratio | 33.2604% | 5,673 |
| Assets per employee ($millions) | 7.0740% | 923 |
| Cash dividends to net income (ytd only)* | 74.3339% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 5,234 |
| Loan loss allowance to noncurrent loans | 23.5482% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 3.2146% | 268 |
| Noncurrent loans to loans | 2.7665% | 501 |
| Net loans and leases to total assets | 79.5476% | 1,051 |
| Net loans and leases to deposits | 139.1287% | 21 |
| Net loans and leases to core deposits | 140.0742% | 201 |
| Total domestic deposits to total assets | 57.1756% | 5,666 |
| Equity capital to assets | 42.7113% | 41 |
| Core capital (leverage) ratio | 42.6336% | 41 |
| Tier 1 risk-based capital ratio | 48.8844% | 130 |
| Total risk-based capital ratio | 48.8844% | 142 |
| Memoranda: | ||
| Average total assets | $69,396,750 | 4,836 |
| Average earning assets | $65,754,500 | 4,799 |
| Average equity | $29,871,750 | 2,378 |
| Average total loans | $56,007,750 | 4,327 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5597% | 73 |
| Cost of funding earning assets | 0.2885% | 4,203 |
| Net interest margin | 6.2711% | 58 |
| Noninterest income to average assets | 0.2495% | 4,748 |
| Noninterest expense to average assets | 2.0624% | 4,848 |
| Loan and lease loss provision to assets | 0.1885% | 994 |
| Net operating income to assets | 3.9246% | 57 |
| Return on assets (ROA) | 3.9246% | 57 |
| Pretax return on assets | 3.9246% | 74 |
| Return on Equity (ROE) | 9.0935% | 2,467 |
| Retained earnings to average equity (ytd only) | 1.0955% | 4,806 |
| Net charge-offs to loans | 0.0574% | 2,111 |
| Credit loss provision to net charge-offs | 406.2500% | 778 |
| Earnings coverage of net charge-offs (x) | 88.6250% | 708 |
| Efficiency ratio | 33.3960% | 5,720 |
| Assets per employee ($millions) | 6.3241% | 1,244 |
| Cash dividends to net income (ytd only)* | 87.9527% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 5,086 |
| Loan loss allowance to noncurrent loans | 22.8006% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 4.5526% | 131 |
| Noncurrent loans to loans | 3.2874% | 368 |
| Net loans and leases to total assets | 83.3724% | 503 |
| Net loans and leases to deposits | 146.1533% | 15 |
| Net loans and leases to core deposits | 147.1657% | 143 |
| Total domestic deposits to total assets | 57.0445% | 5,718 |
| Equity capital to assets | 42.8779% | 40 |
| Core capital (leverage) ratio | 43.5916% | 39 |
| Tier 1 risk-based capital ratio | 46.8169% | 149 |
| Total risk-based capital ratio | 47.5044% | 152 |
| Memoranda: | ||
| Average total assets | $68,949,000 | 4,878 |
| Average earning assets | $65,155,670 | 4,846 |
| Average equity | $29,757,670 | 2,386 |
| Average total loans | $55,796,670 | 4,359 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5168% | 80 |
| Cost of funding earning assets | 0.2695% | 4,360 |
| Net interest margin | 6.2473% | 59 |
| Noninterest income to average assets | 0.2855% | 4,507 |
| Noninterest expense to average assets | 1.8997% | 5,243 |
| Loan and lease loss provision to assets | -0.0699% | 5,733 |
| Net operating income to assets | 4.3997% | 49 |
| Return on assets (ROA) | 4.3997% | 48 |
| Pretax return on assets | 4.3997% | 67 |
| Return on Equity (ROE) | 10.1607% | 1,899 |
| Retained earnings to average equity (ytd only) | 1.5476% | 4,482 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4958% | 5,800 |
| Assets per employee ($millions) | 6.0721% | 1,449 |
| Cash dividends to net income (ytd only)* | 84.7682% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 5,292 |
| Loan loss allowance to noncurrent loans | 49.9338% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 3.0303% | 333 |
| Noncurrent loans to loans | 1.4150% | 1,431 |
| Net loans and leases to total assets | 79.3197% | 928 |
| Net loans and leases to deposits | 143.2899% | 15 |
| Net loans and leases to core deposits | 144.3518% | 137 |
| Total domestic deposits to total assets | 55.3561% | 5,795 |
| Equity capital to assets | 44.5855% | 41 |
| Core capital (leverage) ratio | 43.5743% | 44 |
| Tier 1 risk-based capital ratio | 50.6222% | 123 |
| Total risk-based capital ratio | 51.2630% | 126 |
| Memoranda: | ||
| Average total assets | $68,641,000 | 4,938 |
| Average earning assets | $65,308,000 | 4,894 |
| Average equity | $29,722,500 | 2,403 |
| Average total loans | $54,477,000 | 4,440 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2802% | 85 |
| Cost of funding earning assets | 0.2753% | 4,305 |
| Net interest margin | 6.0049% | 69 |
| Noninterest income to average assets | 0.3074% | 4,537 |
| Noninterest expense to average assets | 2.0612% | 5,076 |
| Loan and lease loss provision to assets | 0.1796% | 1,330 |
| Net operating income to assets | 3.8323% | 53 |
| Return on assets (ROA) | 3.8323% | 53 |
| Pretax return on assets | 3.8323% | 71 |
| Return on Equity (ROE) | 9.1602% | 2,341 |
| Retained earnings to average equity (ytd only) | 3.6668% | 3,306 |
| Net charge-offs to loans | 0.1672% | 1,620 |
| Credit loss provision to net charge-offs | 135.8696% | 1,997 |
| Earnings coverage of net charge-offs (x) | 30.3587% | 1,422 |
| Efficiency ratio | 33.9404% | 5,850 |
| Assets per employee ($millions) | 6.4081% | 1,198 |
| Cash dividends to net income (ytd only)* | 59.9700% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 5,358 |
| Loan loss allowance to noncurrent loans | 38.0999% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 3.2487% | 280 |
| Noncurrent loans to loans | 1.8364% | 1,031 |
| Net loans and leases to total assets | 78.3214% | 1,155 |
| Net loans and leases to deposits | 135.4964% | 30 |
| Net loans and leases to core deposits | 136.4070% | 209 |
| Total domestic deposits to total assets | 57.8033% | 5,841 |
| Equity capital to assets | 42.0846% | 45 |
| Core capital (leverage) ratio | 41.6199% | 45 |
| Tier 1 risk-based capital ratio | 48.3482% | 146 |
| Total risk-based capital ratio | 48.9822% | 150 |
| Memoranda: | ||
| Average total assets | $69,618,200 | 4,946 |
| Average earning assets | $66,845,200 | 4,871 |
| Average equity | $29,126,000 | 2,440 |
| Average total loans | $55,033,600 | 4,431 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4428% | 73 |
| Cost of funding earning assets | 0.2716% | 4,370 |
| Net interest margin | 6.1712% | 60 |
| Noninterest income to average assets | 0.2709% | 4,837 |
| Noninterest expense to average assets | 1.9827% | 5,240 |
| Loan and lease loss provision to assets | 0.2382% | 812 |
| Net operating income to assets | 3.9864% | 52 |
| Return on assets (ROA) | 3.9864% | 52 |
| Pretax return on assets | 3.9864% | 70 |
| Return on Equity (ROE) | 9.5429% | 2,251 |
| Retained earnings to average equity (ytd only) | 4.0241% | 3,434 |
| Net charge-offs to loans | 0.2065% | 1,132 |
| Credit loss provision to net charge-offs | 145.8824% | 1,803 |
| Earnings coverage of net charge-offs (x) | 25.8707% | 1,619 |
| Efficiency ratio | 31.9406% | 5,926 |
| Assets per employee ($millions) | 6.4669% | 1,126 |
| Cash dividends to net income (ytd only)* | 57.8313% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 5,422 |
| Loan loss allowance to noncurrent loans | 42.1558% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 2.9577% | 393 |
| Noncurrent loans to loans | 1.6696% | 1,266 |
| Net loans and leases to total assets | 78.3373% | 1,141 |
| Net loans and leases to deposits | 134.0792% | 32 |
| Net loans and leases to core deposits | 134.9625% | 244 |
| Total domestic deposits to total assets | 58.4261% | 5,899 |
| Equity capital to assets | 41.4305% | 43 |
| Core capital (leverage) ratio | 41.6719% | 42 |
| Tier 1 risk-based capital ratio | 47.6616% | 153 |
| Total risk-based capital ratio | 48.3003% | 158 |
| Memoranda: | ||
| Average total assets | $69,400,500 | 4,987 |
| Average earning assets | $66,760,500 | 4,917 |
| Average equity | $28,991,250 | 2,455 |
| Average total loans | $54,892,750 | 4,472 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6713% | 67 |
| Cost of funding earning assets | 0.2648% | 4,502 |
| Net interest margin | 6.4065% | 55 |
| Noninterest income to average assets | 0.2935% | 4,683 |
| Noninterest expense to average assets | 2.1766% | 4,899 |
| Loan and lease loss provision to assets | 0.3197% | 539 |
| Net operating income to assets | 3.9842% | 56 |
| Return on assets (ROA) | 3.9842% | 55 |
| Pretax return on assets | 3.9842% | 73 |
| Return on Equity (ROE) | 9.5106% | 2,271 |
| Retained earnings to average equity (ytd only) | 3.9610% | 3,378 |
| Net charge-offs to loans | 0.3120% | 760 |
| Credit loss provision to net charge-offs | 129.4118% | 1,775 |
| Earnings coverage of net charge-offs (x) | 17.4235% | 1,877 |
| Efficiency ratio | 33.5874% | 5,992 |
| Assets per employee ($millions) | 6.3627% | 1,161 |
| Cash dividends to net income (ytd only)* | 58.3516% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 5,558 |
| Loan loss allowance to noncurrent loans | 37.9104% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 3.1033% | 386 |
| Noncurrent loans to loans | 1.7935% | 1,153 |
| Net loans and leases to total assets | 79.5199% | 984 |
| Net loans and leases to deposits | 136.6663% | 21 |
| Net loans and leases to core deposits | 137.5819% | 208 |
| Total domestic deposits to total assets | 58.1855% | 5,986 |
| Equity capital to assets | 41.6745% | 42 |
| Core capital (leverage) ratio | 41.8635% | 43 |
| Tier 1 risk-based capital ratio | 40.5810% | 223 |
| Total risk-based capital ratio | 41.1111% | 228 |
| Memoranda: | ||
| Average total assets | $68,822,000 | 5,050 |
| Average earning assets | $66,463,330 | 4,968 |
| Average equity | $28,831,000 | 2,468 |
| Average total loans | $54,483,330 | 4,519 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7344% | 178 |
| Cost of funding earning assets | 0.2535% | 4,664 |
| Net interest margin | 5.4809% | 122 |
| Noninterest income to average assets | 0.2286% | 5,106 |
| Noninterest expense to average assets | 2.3330% | 4,566 |
| Loan and lease loss provision to assets | 0.1055% | 1,943 |
| Net operating income to assets | 3.1126% | 87 |
| Return on assets (ROA) | 3.1126% | 87 |
| Pretax return on assets | 3.1126% | 120 |
| Return on Equity (ROE) | 7.4104% | 3,239 |
| Retained earnings to average equity (ytd only) | 1.8282% | 4,529 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0275% | 5,920 |
| Assets per employee ($millions) | 6.2331% | 1,255 |
| Cash dividends to net income (ytd only)* | 75.3296% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 5,628 |
| Loan loss allowance to noncurrent loans | 13.9813% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 4.8495% | 175 |
| Noncurrent loans to loans | 4.8623% | 208 |
| Net loans and leases to total assets | 79.6934% | 860 |
| Net loans and leases to deposits | 137.4686% | 17 |
| Net loans and leases to core deposits | 138.4122% | 179 |
| Total domestic deposits to total assets | 57.9721% | 6,050 |
| Equity capital to assets | 41.8995% | 43 |
| Core capital (leverage) ratio | 42.4374% | 43 |
| Tier 1 risk-based capital ratio | 40.3053% | 229 |
| Total risk-based capital ratio | 40.8300% | 236 |
| Memoranda: | ||
| Average total assets | $68,238,000 | 5,113 |
| Average earning assets | $66,266,500 | 5,016 |
| Average equity | $28,662,500 | 2,464 |
| Average total loans | $53,706,500 | 4,563 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0241% | 129 |
| Cost of funding earning assets | 0.2310% | 5,004 |
| Net interest margin | 5.7931% | 83 |
| Noninterest income to average assets | 0.1561% | 5,638 |
| Noninterest expense to average assets | 2.3370% | 4,683 |
| Loan and lease loss provision to assets | 0.1246% | 1,934 |
| Net operating income to assets | 2.9884% | 90 |
| Return on assets (ROA) | 2.9884% | 89 |
| Pretax return on assets | 3.3036% | 97 |
| Return on Equity (ROE) | 7.0084% | 3,512 |
| Retained earnings to average equity (ytd only) | 1.3763% | 4,944 |
| Net charge-offs to loans | 0.1489% | 1,877 |
| Credit loss provision to net charge-offs | 116.9014% | 2,196 |
| Earnings coverage of net charge-offs (x) | 32.1690% | 1,384 |
| Efficiency ratio | 40.5363% | 6,055 |
| Assets per employee ($millions) | 6.1738% | 1,278 |
| Cash dividends to net income (ytd only)* | 80.3616% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6794% | 5,670 |
| Loan loss allowance to noncurrent loans | 14.0934% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 4.6766% | 195 |
| Noncurrent loans to loans | 4.8208% | 205 |
| Net loans and leases to total assets | 76.6315% | 1,317 |
| Net loans and leases to deposits | 132.6925% | 33 |
| Net loans and leases to core deposits | 133.6158% | 222 |
| Total domestic deposits to total assets | 57.7512% | 6,109 |
| Equity capital to assets | 42.1089% | 44 |
| Core capital (leverage) ratio | 43.0593% | 43 |
| Tier 1 risk-based capital ratio | 50.0227% | 127 |
| Total risk-based capital ratio | 50.6455% | 129 |
| Memoranda: | ||
| Average total assets | $66,624,600 | 5,163 |
| Average earning assets | $64,507,600 | 5,075 |
| Average equity | $28,408,600 | 2,428 |
| Average total loans | $47,697,800 | 4,737 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2514% | 100 |
| Cost of funding earning assets | 0.2286% | 5,105 |
| Net interest margin | 6.0227% | 72 |
| Noninterest income to average assets | 0.1488% | 5,742 |
| Noninterest expense to average assets | 2.1537% | 5,161 |
| Loan and lease loss provision to assets | -0.0121% | 5,822 |
| Net operating income to assets | 3.4125% | 67 |
| Return on assets (ROA) | 3.4125% | 66 |
| Pretax return on assets | 3.8348% | 81 |
| Return on Equity (ROE) | 7.9778% | 3,081 |
| Retained earnings to average equity (ytd only) | 2.3364% | 4,719 |
| Net charge-offs to loans | 0.0458% | 2,982 |
| Credit loss provision to net charge-offs | -37.5000% | 4,939 |
| Earnings coverage of net charge-offs (x) | 118.8279% | 540 |
| Efficiency ratio | 36.0363% | 6,184 |
| Assets per employee ($millions) | 5.9630% | 1,402 |
| Cash dividends to net income (ytd only)* | 70.7130% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7164% | 5,694 |
| Loan loss allowance to noncurrent loans | 12.9944% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 4.0523% | 289 |
| Noncurrent loans to loans | 5.5129% | 166 |
| Net loans and leases to total assets | 68.0362% | 2,671 |
| Net loans and leases to deposits | 121.2822% | 91 |
| Net loans and leases to core deposits | 122.1787% | 420 |
| Total domestic deposits to total assets | 56.0974% | 6,200 |
| Equity capital to assets | 43.7592% | 44 |
| Core capital (leverage) ratio | 43.3901% | 44 |
| Tier 1 risk-based capital ratio | 57.2480% | 100 |
| Total risk-based capital ratio | 57.8902% | 104 |
| Memoranda: | ||
| Average total assets | $66,302,750 | 5,231 |
| Average earning assets | $64,155,250 | 5,146 |
| Average equity | $28,361,500 | 2,447 |
| Average total loans | $46,522,750 | 4,825 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5377% | 76 |
| Cost of funding earning assets | 0.2240% | 5,206 |
| Net interest margin | 6.3137% | 61 |
| Noninterest income to average assets | -0.3066% | 6,327 |
| Noninterest expense to average assets | 2.4707% | 4,326 |
| Loan and lease loss provision to assets | 0.0120% | 3,879 |
| Net operating income to assets | 2.6781% | 130 |
| Return on assets (ROA) | 2.6781% | 137 |
| Pretax return on assets | 3.3093% | 111 |
| Return on Equity (ROE) | 6.3085% | 3,984 |
| Retained earnings to average equity (ytd only) | 0.6443% | 5,304 |
| Net charge-offs to loans | 0.0850% | 2,190 |
| Credit loss provision to net charge-offs | 20.0000% | 3,019 |
| Earnings coverage of net charge-offs (x) | 55.2500% | 894 |
| Efficiency ratio | 42.6570% | 6,157 |
| Assets per employee ($millions) | 6.1147% | 1,269 |
| Cash dividends to net income (ytd only)* | 89.7868% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 5,747 |
| Loan loss allowance to noncurrent loans | 11.7352% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 4.6668% | 251 |
| Noncurrent loans to loans | 6.2444% | 148 |
| Net loans and leases to total assets | 66.0581% | 2,939 |
| Net loans and leases to deposits | 114.3210% | 173 |
| Net loans and leases to core deposits | 115.1207% | 619 |
| Total domestic deposits to total assets | 57.7830% | 6,265 |
| Equity capital to assets | 42.0698% | 45 |
| Core capital (leverage) ratio | 41.6868% | 45 |
| Tier 1 risk-based capital ratio | 55.7840% | 115 |
| Total risk-based capital ratio | 56.4306% | 121 |
| Memoranda: | ||
| Average total assets | $66,539,330 | 5,290 |
| Average earning assets | $64,273,000 | 5,197 |
| Average equity | $28,247,670 | 2,465 |
| Average total loans | $47,047,330 | 4,851 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6851% | 44 |
| Cost of funding earning assets | 0.2136% | 5,379 |
| Net interest margin | 7.4714% | 37 |
| Noninterest income to average assets | -0.9006% | 6,410 |
| Noninterest expense to average assets | 2.5930% | 3,963 |
| Loan and lease loss provision to assets | 0.2236% | 784 |
| Net operating income to assets | 2.6232% | 122 |
| Return on assets (ROA) | 2.6232% | 134 |
| Pretax return on assets | 3.4694% | 106 |
| Return on Equity (ROE) | 6.1510% | 3,954 |
| Retained earnings to average equity (ytd only) | 0.4819% | 5,226 |
| Net charge-offs to loans | 0.1660% | 1,281 |
| Credit loss provision to net charge-offs | 185.0000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 30.5500% | 1,141 |
| Efficiency ratio | 41.2500% | 6,243 |
| Assets per employee ($millions) | 6.1087% | 1,324 |
| Cash dividends to net income (ytd only)* | 92.1659% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 5,862 |
| Loan loss allowance to noncurrent loans | 12.0695% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 4.9631% | 249 |
| Noncurrent loans to loans | 5.9852% | 182 |
| Net loans and leases to total assets | 73.8318% | 1,528 |
| Net loans and leases to deposits | 127.6981% | 41 |
| Net loans and leases to core deposits | 128.5918% | 257 |
| Total domestic deposits to total assets | 57.8174% | 6,336 |
| Equity capital to assets | 42.0263% | 46 |
| Core capital (leverage) ratio | 38.0047% | 50 |
| Tier 1 risk-based capital ratio | 45.7146% | 182 |
| Total risk-based capital ratio | 46.3774% | 191 |
| Memoranda: | ||
| Average total assets | $66,178,000 | 5,348 |
| Average earning assets | $63,656,000 | 5,256 |
| Average equity | $28,223,000 | 2,487 |
| Average total loans | $48,191,000 | 4,839 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 872 |
| Cost of funding earning assets | 0.2132% | 5,641 |
| Net interest margin | 4.7186% | 506 |
| Noninterest income to average assets | -0.1361% | 6,463 |
| Noninterest expense to average assets | 2.1863% | 5,378 |
| Loan and lease loss provision to assets | -0.1734% | 6,258 |
| Net operating income to assets | 2.0645% | 294 |
| Return on assets (ROA) | 2.0645% | 297 |
| Pretax return on assets | 2.3539% | 250 |
| Return on Equity (ROE) | 5.0846% | 4,618 |
| Retained earnings to average equity (ytd only) | -0.5610% | 5,859 |
| Net charge-offs to loans | 0.3322% | 1,328 |
| Credit loss provision to net charge-offs | -80.1325% | 5,483 |
| Earnings coverage of net charge-offs (x) | 10.0795% | 2,660 |
| Efficiency ratio | 50.0656% | 6,087 |
| Assets per employee ($millions) | 5.9236% | 1,434 |
| Cash dividends to net income (ytd only)* | 111.0340% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7412% | 5,906 |
| Loan loss allowance to noncurrent loans | 12.0112% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 5.9515% | 200 |
| Noncurrent loans to loans | 6.1712% | 181 |
| Net loans and leases to total assets | 70.6952% | 2,127 |
| Net loans and leases to deposits | 124.9661% | 69 |
| Net loans and leases to core deposits | 126.7542% | 286 |
| Total domestic deposits to total assets | 56.5715% | 6,428 |
| Equity capital to assets | 43.2873% | 46 |
| Core capital (leverage) ratio | 43.0488% | 45 |
| Tier 1 risk-based capital ratio | 53.7339% | 115 |
| Total risk-based capital ratio | 54.3892% | 116 |
| Memoranda: | ||
| Average total assets | $69,798,200 | 5,297 |
| Average earning assets | $66,609,400 | 5,211 |
| Average equity | $28,340,600 | 2,384 |
| Average total loans | $45,460,800 | 4,980 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 969 |
| Cost of funding earning assets | 0.2165% | 5,703 |
| Net interest margin | 4.6641% | 538 |
| Noninterest income to average assets | -0.2593% | 6,561 |
| Noninterest expense to average assets | 2.1665% | 5,415 |
| Loan and lease loss provision to assets | -0.3213% | 6,477 |
| Net operating income to assets | 1.9692% | 360 |
| Return on assets (ROA) | 1.9692% | 371 |
| Pretax return on assets | 2.3488% | 283 |
| Return on Equity (ROE) | 4.9245% | 4,750 |
| Retained earnings to average equity (ytd only) | -0.7142% | 5,913 |
| Net charge-offs to loans | 0.3656% | 1,096 |
| Credit loss provision to net charge-offs | -137.9032% | 5,495 |
| Earnings coverage of net charge-offs (x) | 8.7016% | 2,760 |
| Efficiency ratio | 51.6577% | 6,013 |
| Assets per employee ($millions) | 6.1053% | 1,260 |
| Cash dividends to net income (ytd only)* | 114.5037% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 6,081 |
| Loan loss allowance to noncurrent loans | 10.5315% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 6.0812% | 229 |
| Noncurrent loans to loans | 6.7544% | 182 |
| Net loans and leases to total assets | 66.7158% | 2,737 |
| Net loans and leases to deposits | 115.4768% | 137 |
| Net loans and leases to core deposits | 117.0424% | 463 |
| Total domestic deposits to total assets | 57.7742% | 6,504 |
| Equity capital to assets | 42.0099% | 46 |
| Core capital (leverage) ratio | 41.8373% | 46 |
| Tier 1 risk-based capital ratio | 54.1558% | 117 |
| Total risk-based capital ratio | 54.7720% | 117 |
| Memoranda: | ||
| Average total assets | $70,957,750 | 5,317 |
| Average earning assets | $67,749,250 | 5,233 |
| Average equity | $28,374,250 | 2,394 |
| Average total loans | $45,223,750 | 5,039 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6966% | 1,286 |
| Cost of funding earning assets | 0.2221% | 5,726 |
| Net interest margin | 4.4744% | 743 |
| Noninterest income to average assets | -0.0277% | 6,581 |
| Noninterest expense to average assets | 2.2541% | 5,274 |
| Loan and lease loss provision to assets | 0.0609% | 3,053 |
| Net operating income to assets | 1.3929% | 1,083 |
| Return on assets (ROA) | 1.3929% | 1,127 |
| Pretax return on assets | 1.9523% | 617 |
| Return on Equity (ROE) | 3.5388% | 5,332 |
| Retained earnings to average equity (ytd only) | 0.7246% | 5,448 |
| Net charge-offs to loans | 1.3125% | 229 |
| Credit loss provision to net charge-offs | 7.4074% | 3,332 |
| Earnings coverage of net charge-offs (x) | 2.4478% | 3,545 |
| Efficiency ratio | 52.8228% | 6,005 |
| Assets per employee ($millions) | 6.7741% | 889 |
| Cash dividends to net income (ytd only)* | 79.5229% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7650% | 6,061 |
| Loan loss allowance to noncurrent loans | 10.2742% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 6.5116% | 211 |
| Noncurrent loans to loans | 7.4459% | 154 |
| Net loans and leases to total assets | 65.2987% | 2,863 |
| Net loans and leases to deposits | 112.9311% | 150 |
| Net loans and leases to core deposits | 113.7121% | 550 |
| Total domestic deposits to total assets | 57.8217% | 6,573 |
| Equity capital to assets | 42.0248% | 44 |
| Core capital (leverage) ratio | 39.0743% | 45 |
| Tier 1 risk-based capital ratio | 54.8168% | 108 |
| Total risk-based capital ratio | 55.4734% | 110 |
| Memoranda: | ||
| Average total assets | $72,224,330 | 5,328 |
| Average earning assets | $69,327,330 | 5,232 |
| Average equity | $28,428,000 | 2,379 |
| Average total loans | $45,256,330 | 5,065 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,815 |
| Cost of funding earning assets | 0.2231% | 5,816 |
| Net interest margin | 3.9927% | 1,799 |
| Noninterest income to average assets | -0.1182% | 6,666 |
| Noninterest expense to average assets | 1.8908% | 6,083 |
| Loan and lease loss provision to assets | 0.5962% | 221 |
| Net operating income to assets | 0.4620% | 4,889 |
| Return on assets (ROA) | 0.4620% | 4,959 |
| Pretax return on assets | 1.2408% | 2,313 |
| Return on Equity (ROE) | 1.2109% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.2109% | 5,120 |
| Net charge-offs to loans | 1.9212% | 140 |
| Credit loss provision to net charge-offs | 50.6849% | 2,193 |
| Earnings coverage of net charge-offs (x) | 1.5616% | 3,069 |
| Efficiency ratio | 50.7205% | 6,211 |
| Assets per employee ($millions) | 7.3818% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 5,048 |
| Loan loss allowance to noncurrent loans | 11.4157% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 8.2961% | 158 |
| Noncurrent loans to loans | 9.7789% | 104 |
| Net loans and leases to total assets | 60.9580% | 3,406 |
| Net loans and leases to deposits | 99.3772% | 471 |
| Net loans and leases to core deposits | 99.9689% | 1,106 |
| Total domestic deposits to total assets | 61.3401% | 6,630 |
| Equity capital to assets | 38.5421% | 51 |
| Core capital (leverage) ratio | 38.0962% | 50 |
| Tier 1 risk-based capital ratio | 50.2393% | 133 |
| Total risk-based capital ratio | 51.1363% | 134 |
| Memoranda: | ||
| Average total assets | $74,466,000 | 5,327 |
| Average earning assets | $71,731,500 | 5,235 |
| Average equity | $28,408,000 | 2,376 |
| Average total loans | $45,597,000 | 5,089 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 832 |
| Cost of funding earning assets | 0.2937% | 5,646 |
| Net interest margin | 4.7550% | 470 |
| Noninterest income to average assets | 0.3129% | 5,103 |
| Noninterest expense to average assets | 1.9404% | 6,123 |
| Loan and lease loss provision to assets | -0.1150% | 6,507 |
| Net operating income to assets | 3.0998% | 102 |
| Return on assets (ROA) | 3.0998% | 102 |
| Pretax return on assets | 3.0998% | 109 |
| Return on Equity (ROE) | 8.2681% | 2,897 |
| Retained earnings to average equity (ytd only) | 2.5646% | 4,426 |
| Net charge-offs to loans | 0.1278% | 3,538 |
| Credit loss provision to net charge-offs | -136.5079% | 5,930 |
| Earnings coverage of net charge-offs (x) | 35.4286% | 1,049 |
| Efficiency ratio | 39.3972% | 6,700 |
| Assets per employee ($millions) | 7.5114% | 598 |
| Cash dividends to net income (ytd only)* | 68.9819% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,899 |
| Loan loss allowance to noncurrent loans | 9.8371% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 9.0582% | 150 |
| Noncurrent loans to loans | 13.7060% | 49 |
| Net loans and leases to total assets | 60.0048% | 3,720 |
| Net loans and leases to deposits | 96.5760% | 696 |
| Net loans and leases to core deposits | 97.1337% | 1,373 |
| Total domestic deposits to total assets | 62.1322% | 6,695 |
| Equity capital to assets | 37.7626% | 49 |
| Core capital (leverage) ratio | 38.2262% | 44 |
| Tier 1 risk-based capital ratio | 50.4267% | 132 |
| Total risk-based capital ratio | 51.5218% | 130 |
| Memoranda: | ||
| Average total assets | $74,778,000 | 5,357 |
| Average earning assets | $72,534,800 | 5,239 |
| Average equity | $28,035,600 | 2,379 |
| Average total loans | $49,305,000 | 4,990 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 487 |
| Cost of funding earning assets | 0.3022% | 5,716 |
| Net interest margin | 5.0519% | 291 |
| Noninterest income to average assets | 0.0482% | 6,641 |
| Noninterest expense to average assets | 1.9707% | 6,068 |
| Loan and lease loss provision to assets | -0.3035% | 6,776 |
| Net operating income to assets | 3.2755% | 91 |
| Return on assets (ROA) | 3.2755% | 92 |
| Pretax return on assets | 3.2755% | 107 |
| Return on Equity (ROE) | 8.7525% | 2,768 |
| Retained earnings to average equity (ytd only) | 3.0288% | 4,506 |
| Net charge-offs to loans | -0.2549% | 6,695 |
| Credit loss provision to net charge-offs | 177.0833% | 1,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8700% | 6,758 |
| Assets per employee ($millions) | 8.2788% | 414 |
| Cash dividends to net income (ytd only)* | 65.3950% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 3,543 |
| Loan loss allowance to noncurrent loans | 15.3079% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 6.9817% | 296 |
| Noncurrent loans to loans | 9.6622% | 149 |
| Net loans and leases to total assets | 61.7737% | 3,405 |
| Net loans and leases to deposits | 99.8135% | 473 |
| Net loans and leases to core deposits | 100.3970% | 1,085 |
| Total domestic deposits to total assets | 61.8892% | 6,774 |
| Equity capital to assets | 37.9565% | 47 |
| Core capital (leverage) ratio | 37.7588% | 45 |
| Tier 1 risk-based capital ratio | 49.3879% | 141 |
| Total risk-based capital ratio | 50.5946% | 140 |
| Memoranda: | ||
| Average total assets | $74,694,000 | 5,413 |
| Average earning assets | $72,367,000 | 5,298 |
| Average equity | $27,953,250 | 2,411 |
| Average total loans | $50,209,250 | 4,990 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 379 |
| Cost of funding earning assets | 0.3064% | 5,782 |
| Net interest margin | 5.1842% | 213 |
| Noninterest income to average assets | 0.0348% | 6,712 |
| Noninterest expense to average assets | 2.1457% | 5,759 |
| Loan and lease loss provision to assets | -0.1552% | 6,754 |
| Net operating income to assets | 3.0687% | 110 |
| Return on assets (ROA) | 3.0687% | 113 |
| Pretax return on assets | 3.0687% | 140 |
| Return on Equity (ROE) | 8.2388% | 2,970 |
| Retained earnings to average equity (ytd only) | 2.4925% | 4,714 |
| Net charge-offs to loans | -0.0195% | 5,966 |
| Credit loss provision to net charge-offs | 1,160.0000% | 267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4114% | 6,745 |
| Assets per employee ($millions) | 8.3272% | 410 |
| Cash dividends to net income (ytd only)* | 69.7472% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,921 |
| Loan loss allowance to noncurrent loans | 16.6316% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 7.1706% | 327 |
| Noncurrent loans to loans | 8.5690% | 219 |
| Net loans and leases to total assets | 65.7109% | 2,638 |
| Net loans and leases to deposits | 105.0984% | 247 |
| Net loans and leases to core deposits | 105.7007% | 750 |
| Total domestic deposits to total assets | 62.5232% | 6,818 |
| Equity capital to assets | 37.3514% | 46 |
| Core capital (leverage) ratio | 36.0140% | 47 |
| Tier 1 risk-based capital ratio | 46.3706% | 156 |
| Total risk-based capital ratio | 47.5500% | 157 |
| Memoranda: | ||
| Average total assets | $74,755,670 | 5,446 |
| Average earning assets | $72,451,000 | 5,320 |
| Average equity | $27,844,000 | 2,434 |
| Average total loans | $51,373,000 | 4,970 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2854% | 116 |
| Cost of funding earning assets | 0.3038% | 5,939 |
| Net interest margin | 5.9816% | 79 |
| Noninterest income to average assets | -0.1179% | 6,926 |
| Noninterest expense to average assets | 2.1859% | 5,728 |
| Loan and lease loss provision to assets | 0.0321% | 4,043 |
| Net operating income to assets | 3.4663% | 81 |
| Return on assets (ROA) | 3.4663% | 87 |
| Pretax return on assets | 3.4663% | 111 |
| Return on Equity (ROE) | 9.3196% | 2,340 |
| Retained earnings to average equity (ytd only) | 3.5579% | 4,104 |
| Net charge-offs to loans | 0.1690% | 2,389 |
| Credit loss provision to net charge-offs | 27.2727% | 2,928 |
| Earnings coverage of net charge-offs (x) | 29.6818% | 962 |
| Efficiency ratio | 38.4543% | 6,895 |
| Assets per employee ($millions) | 8.2184% | 455 |
| Cash dividends to net income (ytd only)* | 61.8238% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 4,030 |
| Loan loss allowance to noncurrent loans | 15.7188% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 7.5913% | 347 |
| Noncurrent loans to loans | 9.1999% | 253 |
| Net loans and leases to total assets | 69.0114% | 1,840 |
| Net loans and leases to deposits | 111.0374% | 118 |
| Net loans and leases to core deposits | 111.6861% | 443 |
| Total domestic deposits to total assets | 62.1515% | 6,897 |
| Equity capital to assets | 37.7106% | 47 |
| Core capital (leverage) ratio | 37.3705% | 44 |
| Tier 1 risk-based capital ratio | 40.5086% | 222 |
| Total risk-based capital ratio | 41.5964% | 223 |
| Memoranda: | ||
| Average total assets | $74,661,000 | 5,499 |
| Average earning assets | $72,422,000 | 5,376 |
| Average equity | $27,769,500 | 2,465 |
| Average total loans | $52,080,000 | 4,981 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 1,443 |
| Cost of funding earning assets | 0.3751% | 6,080 |
| Net interest margin | 4.6721% | 685 |
| Noninterest income to average assets | -0.4832% | 7,028 |
| Noninterest expense to average assets | 1.7849% | 6,641 |
| Loan and lease loss provision to assets | 0.6746% | 785 |
| Net operating income to assets | 1.5279% | 866 |
| Return on assets (ROA) | 1.5279% | 960 |
| Pretax return on assets | 1.5279% | 1,604 |
| Return on Equity (ROE) | 3.9908% | 5,145 |
| Retained earnings to average equity (ytd only) | 2.1668% | 4,706 |
| Net charge-offs to loans | 0.9737% | 1,130 |
| Credit loss provision to net charge-offs | 97.9716% | 3,168 |
| Earnings coverage of net charge-offs (x) | 3.1988% | 3,834 |
| Efficiency ratio | 44.7636% | 6,823 |
| Assets per employee ($millions) | 8.3729% | 427 |
| Cash dividends to net income (ytd only)* | 45.7038% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 3,891 |
| Loan loss allowance to noncurrent loans | 23.6184% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 5.2551% | 724 |
| Noncurrent loans to loans | 6.1853% | 568 |
| Net loans and leases to total assets | 68.4763% | 2,102 |
| Net loans and leases to deposits | 109.3520% | 167 |
| Net loans and leases to core deposits | 109.9742% | 540 |
| Total domestic deposits to total assets | 62.6201% | 6,946 |
| Equity capital to assets | 36.6872% | 49 |
| Core capital (leverage) ratio | 37.6080% | 44 |
| Tier 1 risk-based capital ratio | 45.3764% | 170 |
| Total risk-based capital ratio | 46.6271% | 170 |
| Memoranda: | ||
| Average total assets | $71,602,600 | 5,588 |
| Average earning assets | $68,512,400 | 5,481 |
| Average equity | $27,413,200 | 2,453 |
| Average total loans | $50,630,400 | 5,084 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5839% | 571 |
| Cost of funding earning assets | 0.3904% | 6,172 |
| Net interest margin | 5.1935% | 298 |
| Noninterest income to average assets | -0.7264% | 7,152 |
| Noninterest expense to average assets | 1.7094% | 6,781 |
| Loan and lease loss provision to assets | 0.8076% | 581 |
| Net operating income to assets | 1.7019% | 684 |
| Return on assets (ROA) | 1.7019% | 758 |
| Pretax return on assets | 1.7019% | 1,265 |
| Return on Equity (ROE) | 4.3964% | 5,098 |
| Retained earnings to average equity (ytd only) | 1.9594% | 5,344 |
| Net charge-offs to loans | 1.1846% | 838 |
| Credit loss provision to net charge-offs | 95.9641% | 3,110 |
| Earnings coverage of net charge-offs (x) | 2.9821% | 3,834 |
| Efficiency ratio | 40.5188% | 7,004 |
| Assets per employee ($millions) | 8.0659% | 467 |
| Cash dividends to net income (ytd only)* | 55.4322% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 3,971 |
| Loan loss allowance to noncurrent loans | 20.2461% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 6.1921% | 634 |
| Noncurrent loans to loans | 7.3866% | 470 |
| Net loans and leases to total assets | 68.6871% | 2,175 |
| Net loans and leases to deposits | 110.7651% | 145 |
| Net loans and leases to core deposits | 111.4235% | 523 |
| Total domestic deposits to total assets | 62.0115% | 7,043 |
| Equity capital to assets | 37.8191% | 46 |
| Core capital (leverage) ratio | 37.6479% | 46 |
| Tier 1 risk-based capital ratio | 47.1103% | 153 |
| Total risk-based capital ratio | 48.3630% | 153 |
| Memoranda: | ||
| Average total assets | $70,664,250 | 5,678 |
| Average earning assets | $67,287,500 | 5,572 |
| Average equity | $27,355,000 | 2,473 |
| Average total loans | $50,196,500 | 5,158 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 844 |
| Cost of funding earning assets | 0.3909% | 6,320 |
| Net interest margin | 5.0246% | 387 |
| Noninterest income to average assets | -0.0457% | 7,052 |
| Noninterest expense to average assets | 2.0479% | 6,337 |
| Loan and lease loss provision to assets | 0.6484% | 876 |
| Net operating income to assets | 2.0308% | 376 |
| Return on assets (ROA) | 2.0308% | 423 |
| Pretax return on assets | 2.0308% | 657 |
| Return on Equity (ROE) | 5.2046% | 4,706 |
| Retained earnings to average equity (ytd only) | 3.3746% | 4,361 |
| Net charge-offs to loans | 0.3476% | 2,628 |
| Credit loss provision to net charge-offs | 260.9195% | 1,102 |
| Earnings coverage of net charge-offs (x) | 10.7816% | 2,019 |
| Efficiency ratio | 43.3233% | 6,977 |
| Assets per employee ($millions) | 8.1143% | 448 |
| Cash dividends to net income (ytd only)* | 35.1617% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8055% | 2,836 |
| Loan loss allowance to noncurrent loans | 17.5187% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 9.9070% | 267 |
| Noncurrent loans to loans | 10.3062% | 250 |
| Net loans and leases to total assets | 68.1414% | 2,267 |
| Net loans and leases to deposits | 109.5474% | 156 |
| Net loans and leases to core deposits | 110.1926% | 570 |
| Total domestic deposits to total assets | 62.2027% | 7,108 |
| Equity capital to assets | 37.6741% | 48 |
| Core capital (leverage) ratio | 39.1049% | 43 |
| Tier 1 risk-based capital ratio | 47.5674% | 147 |
| Total risk-based capital ratio | 48.8226% | 144 |
| Memoranda: | ||
| Average total assets | $70,021,330 | 5,733 |
| Average earning assets | $66,512,670 | 5,629 |
| Average equity | $27,322,000 | 2,461 |
| Average total loans | $50,055,670 | 5,198 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7218% | 497 |
| Cost of funding earning assets | 0.4039% | 6,388 |
| Net interest margin | 5.3179% | 241 |
| Noninterest income to average assets | -0.0759% | 7,155 |
| Noninterest expense to average assets | 2.0958% | 6,280 |
| Loan and lease loss provision to assets | 0.8640% | 525 |
| Net operating income to assets | 2.0374% | 391 |
| Return on assets (ROA) | 2.0374% | 452 |
| Pretax return on assets | 2.0374% | 693 |
| Return on Equity (ROE) | 5.1274% | 4,727 |
| Retained earnings to average equity (ytd only) | 5.1274% | 3,484 |
| Net charge-offs to loans | -0.1045% | 6,802 |
| Credit loss provision to net charge-offs | -1,138.4615% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9393% | 7,059 |
| Assets per employee ($millions) | 7.7260% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8304% | 2,887 |
| Loan loss allowance to noncurrent loans | 16.2190% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 10.9443% | 249 |
| Noncurrent loans to loans | 11.2858% | 240 |
| Net loans and leases to total assets | 72.1935% | 1,368 |
| Net loans and leases to deposits | 119.4390% | 73 |
| Net loans and leases to core deposits | 120.1968% | 308 |
| Total domestic deposits to total assets | 60.4438% | 7,193 |
| Equity capital to assets | 39.4066% | 41 |
| Core capital (leverage) ratio | 40.1309% | 38 |
| Tier 1 risk-based capital ratio | 47.9491% | 135 |
| Total risk-based capital ratio | 49.2038% | 135 |
| Memoranda: | ||
| Average total assets | $68,517,500 | 5,807 |
| Average earning assets | $65,364,500 | 5,708 |
| Average equity | $27,226,500 | 2,459 |
| Average total loans | $49,744,500 | 5,238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4499% | 195 |
| Cost of funding earning assets | 0.5339% | 6,407 |
| Net interest margin | 5.9160% | 100 |
| Noninterest income to average assets | 0.1236% | 6,530 |
| Noninterest expense to average assets | 1.7666% | 6,991 |
| Loan and lease loss provision to assets | 0.8431% | 1,152 |
| Net operating income to assets | 3.0923% | 81 |
| Return on assets (ROA) | 3.0923% | 82 |
| Pretax return on assets | 3.0923% | 117 |
| Return on Equity (ROE) | 7.9254% | 2,951 |
| Retained earnings to average equity (ytd only) | 5.6348% | 2,220 |
| Net charge-offs to loans | 0.7555% | 2,267 |
| Credit loss provision to net charge-offs | 148.5564% | 1,912 |
| Earnings coverage of net charge-offs (x) | 6.9344% | 2,423 |
| Efficiency ratio | 30.9822% | 7,291 |
| Assets per employee ($millions) | 6.7501% | 837 |
| Cash dividends to net income (ytd only)* | 28.9017% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,574 |
| Loan loss allowance to noncurrent loans | 12.7677% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 11.6872% | 227 |
| Noncurrent loans to loans | 12.5533% | 194 |
| Net loans and leases to total assets | 70.4864% | 1,936 |
| Net loans and leases to deposits | 117.8807% | 98 |
| Net loans and leases to core deposits | 118.6598% | 384 |
| Total domestic deposits to total assets | 59.7947% | 7,227 |
| Equity capital to assets | 40.0764% | 41 |
| Core capital (leverage) ratio | 40.2302% | 41 |
| Tier 1 risk-based capital ratio | 50.5305% | 132 |
| Total risk-based capital ratio | 51.7838% | 129 |
| Memoranda: | ||
| Average total assets | $67,135,200 | 5,832 |
| Average earning assets | $63,303,400 | 5,759 |
| Average equity | $26,194,200 | 2,464 |
| Average total loans | $50,432,200 | 5,248 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3692% | 238 |
| Cost of funding earning assets | 0.5605% | 6,472 |
| Net interest margin | 5.8086% | 114 |
| Noninterest income to average assets | 0.1372% | 6,563 |
| Noninterest expense to average assets | 1.7063% | 7,091 |
| Loan and lease loss provision to assets | 1.0222% | 834 |
| Net operating income to assets | 2.8697% | 101 |
| Return on assets (ROA) | 2.8697% | 106 |
| Pretax return on assets | 2.8697% | 154 |
| Return on Equity (ROE) | 7.4056% | 3,329 |
| Retained earnings to average equity (ytd only) | 5.3579% | 2,944 |
| Net charge-offs to loans | 0.9106% | 1,762 |
| Credit loss provision to net charge-offs | 147.7011% | 2,127 |
| Earnings coverage of net charge-offs (x) | 5.6235% | 2,735 |
| Efficiency ratio | 30.4796% | 7,364 |
| Assets per employee ($millions) | 6.6558% | 872 |
| Cash dividends to net income (ytd only)* | 27.6509% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 4,017 |
| Loan loss allowance to noncurrent loans | 14.8003% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 10.6358% | 320 |
| Noncurrent loans to loans | 10.2562% | 341 |
| Net loans and leases to total assets | 73.6921% | 1,374 |
| Net loans and leases to deposits | 123.1619% | 74 |
| Net loans and leases to core deposits | 123.9807% | 311 |
| Total domestic deposits to total assets | 59.8335% | 7,303 |
| Equity capital to assets | 39.9952% | 52 |
| Core capital (leverage) ratio | 40.0289% | 52 |
| Tier 1 risk-based capital ratio | 47.1952% | 164 |
| Total risk-based capital ratio | 47.2821% | 167 |
| Memoranda: | ||
| Average total assets | $67,043,750 | 5,872 |
| Average earning assets | $63,031,000 | 5,807 |
| Average equity | $25,979,750 | 2,484 |
| Average total loans | $50,951,750 | 5,278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9074% | 571 |
| Cost of funding earning assets | 0.5752% | 6,560 |
| Net interest margin | 5.3322% | 229 |
| Noninterest income to average assets | 0.4345% | 4,393 |
| Noninterest expense to average assets | 2.2230% | 6,321 |
| Loan and lease loss provision to assets | 1.1368% | 704 |
| Net operating income to assets | 2.0683% | 311 |
| Return on assets (ROA) | 2.0683% | 320 |
| Pretax return on assets | 2.0683% | 516 |
| Return on Equity (ROE) | 5.3946% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.2976% | 4,830 |
| Net charge-offs to loans | 1.3792% | 1,099 |
| Credit loss provision to net charge-offs | 107.9096% | 2,848 |
| Earnings coverage of net charge-offs (x) | 3.0424% | 3,333 |
| Efficiency ratio | 40.9539% | 7,320 |
| Assets per employee ($millions) | 6.7275% | 836 |
| Cash dividends to net income (ytd only)* | 57.4101% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 5,402 |
| Loan loss allowance to noncurrent loans | 9.0140% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 14.4199% | 163 |
| Noncurrent loans to loans | 13.6882% | 174 |
| Net loans and leases to total assets | 73.5325% | 1,498 |
| Net loans and leases to deposits | 119.8667% | 90 |
| Net loans and leases to core deposits | 120.6326% | 404 |
| Total domestic deposits to total assets | 61.3452% | 7,357 |
| Equity capital to assets | 38.4571% | 57 |
| Core capital (leverage) ratio | 38.9158% | 55 |
| Tier 1 risk-based capital ratio | 49.1760% | 151 |
| Total risk-based capital ratio | 50.3507% | 151 |
| Memoranda: | ||
| Average total assets | $67,205,670 | 5,916 |
| Average earning assets | $62,938,330 | 5,857 |
| Average equity | $25,766,330 | 2,487 |
| Average total loans | $51,334,330 | 5,305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3860% | 249 |
| Cost of funding earning assets | 0.5858% | 6,665 |
| Net interest margin | 5.8002% | 114 |
| Noninterest income to average assets | 0.7384% | 2,330 |
| Noninterest expense to average assets | 2.3284% | 6,114 |
| Loan and lease loss provision to assets | 2.1974% | 246 |
| Net operating income to assets | 1.6376% | 636 |
| Return on assets (ROA) | 1.6376% | 675 |
| Pretax return on assets | 1.6376% | 1,111 |
| Return on Equity (ROE) | 4.2779% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.2779% | 3,600 |
| Net charge-offs to loans | 0.9623% | 1,393 |
| Credit loss provision to net charge-offs | 295.2000% | 1,089 |
| Earnings coverage of net charge-offs (x) | 5.1520% | 2,323 |
| Efficiency ratio | 37.7778% | 7,421 |
| Assets per employee ($millions) | 6.6426% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 3,540 |
| Loan loss allowance to noncurrent loans | 26.8946% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 9.7944% | 428 |
| Noncurrent loans to loans | 6.1223% | 1,021 |
| Net loans and leases to total assets | 74.9962% | 1,179 |
| Net loans and leases to deposits | 123.2210% | 76 |
| Net loans and leases to core deposits | 124.0185% | 341 |
| Total domestic deposits to total assets | 60.8632% | 7,423 |
| Equity capital to assets | 38.9170% | 54 |
| Core capital (leverage) ratio | 39.0971% | 53 |
| Tier 1 risk-based capital ratio | 47.4243% | 155 |
| Total risk-based capital ratio | 48.6773% | 156 |
| Memoranda: | ||
| Average total assets | $67,171,000 | 5,963 |
| Average earning assets | $62,825,000 | 5,899 |
| Average equity | $25,713,500 | 2,476 |
| Average total loans | $51,958,000 | 5,330 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8780% | 170 |
| Cost of funding earning assets | 0.8774% | 6,254 |
| Net interest margin | 6.0006% | 98 |
| Noninterest income to average assets | 0.0075% | 7,254 |
| Noninterest expense to average assets | 1.9234% | 7,125 |
| Loan and lease loss provision to assets | 0.5943% | 2,761 |
| Net operating income to assets | 3.1345% | 69 |
| Return on assets (ROA) | 3.1345% | 71 |
| Pretax return on assets | 3.1270% | 106 |
| Return on Equity (ROE) | 8.5371% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.4867% | 2,121 |
| Net charge-offs to loans | 0.9868% | 2,212 |
| Credit loss provision to net charge-offs | 77.5828% | 5,645 |
| Earnings coverage of net charge-offs (x) | 4.8577% | 2,779 |
| Efficiency ratio | 34.0741% | 7,558 |
| Assets per employee ($millions) | 6.7916% | 823 |
| Cash dividends to net income (ytd only)* | 35.7313% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,929 |
| Loan loss allowance to noncurrent loans | 13.2435% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 10.7015% | 365 |
| Noncurrent loans to loans | 8.3638% | 597 |
| Net loans and leases to total assets | 77.5590% | 1,009 |
| Net loans and leases to deposits | 125.4077% | 91 |
| Net loans and leases to core deposits | 126.1828% | 388 |
| Total domestic deposits to total assets | 61.8455% | 7,484 |
| Equity capital to assets | 37.6583% | 59 |
| Core capital (leverage) ratio | 36.6072% | 62 |
| Tier 1 risk-based capital ratio | 45.2873% | 170 |
| Total risk-based capital ratio | 46.3320% | 170 |
| Memoranda: | ||
| Average total assets | $66,965,400 | 5,962 |
| Average earning assets | $62,910,600 | 5,899 |
| Average equity | $24,586,800 | 2,598 |
| Average total loans | $51,986,400 | 5,401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9243% | 161 |
| Cost of funding earning assets | 0.9145% | 6,338 |
| Net interest margin | 6.0099% | 88 |
| Noninterest income to average assets | 0.0759% | 7,159 |
| Noninterest expense to average assets | 1.8003% | 7,325 |
| Loan and lease loss provision to assets | 0.7593% | 2,017 |
| Net operating income to assets | 3.1730% | 73 |
| Return on assets (ROA) | 3.1730% | 76 |
| Pretax return on assets | 3.1630% | 106 |
| Return on Equity (ROE) | 8.6989% | 2,604 |
| Retained earnings to average equity (ytd only) | 4.5905% | 3,272 |
| Net charge-offs to loans | 1.2748% | 1,602 |
| Credit loss provision to net charge-offs | 76.9231% | 5,225 |
| Earnings coverage of net charge-offs (x) | 3.9737% | 3,230 |
| Efficiency ratio | 31.4595% | 7,674 |
| Assets per employee ($millions) | 7.8596% | 537 |
| Cash dividends to net income (ytd only)* | 47.2295% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,794 |
| Loan loss allowance to noncurrent loans | 22.3019% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 7.6397% | 678 |
| Noncurrent loans to loans | 5.0818% | 1,354 |
| Net loans and leases to total assets | 72.8851% | 2,036 |
| Net loans and leases to deposits | 113.7323% | 192 |
| Net loans and leases to core deposits | 114.3833% | 819 |
| Total domestic deposits to total assets | 64.0848% | 7,517 |
| Equity capital to assets | 35.4346% | 63 |
| Core capital (leverage) ratio | 36.1094% | 60 |
| Tier 1 risk-based capital ratio | 45.0809% | 178 |
| Total risk-based capital ratio | 46.1439% | 180 |
| Memoranda: | ||
| Average total assets | $66,727,750 | 6,036 |
| Average earning assets | $62,695,000 | 5,967 |
| Average equity | $24,339,500 | 2,669 |
| Average total loans | $51,666,750 | 5,496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2884% | 108 |
| Cost of funding earning assets | 0.9490% | 6,381 |
| Net interest margin | 6.3394% | 77 |
| Noninterest income to average assets | -0.2233% | 7,686 |
| Noninterest expense to average assets | 2.3826% | 6,110 |
| Loan and lease loss provision to assets | 0.7554% | 1,910 |
| Net operating income to assets | 2.5997% | 123 |
| Return on assets (ROA) | 2.5997% | 128 |
| Pretax return on assets | 2.5844% | 206 |
| Return on Equity (ROE) | 7.0546% | 3,278 |
| Retained earnings to average equity (ytd only) | 0.8300% | 5,437 |
| Net charge-offs to loans | 1.0135% | 1,839 |
| Credit loss provision to net charge-offs | 94.6360% | 4,278 |
| Earnings coverage of net charge-offs (x) | 4.1839% | 3,026 |
| Efficiency ratio | 41.6355% | 7,605 |
| Assets per employee ($millions) | 7.2916% | 670 |
| Cash dividends to net income (ytd only)* | 88.2353% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 4,672 |
| Loan loss allowance to noncurrent loans | 42.6280% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 7.2245% | 715 |
| Noncurrent loans to loans | 3.1728% | 2,522 |
| Net loans and leases to total assets | 76.7996% | 1,334 |
| Net loans and leases to deposits | 122.3306% | 106 |
| Net loans and leases to core deposits | 122.3306% | 615 |
| Total domestic deposits to total assets | 62.7804% | 7,611 |
| Equity capital to assets | 37.0703% | 61 |
| Core capital (leverage) ratio | 36.9936% | 61 |
| Tier 1 risk-based capital ratio | 42.7547% | 207 |
| Total risk-based capital ratio | 43.9691% | 205 |
| Memoranda: | ||
| Average total assets | $65,391,670 | 6,125 |
| Average earning assets | $61,330,330 | 6,051 |
| Average equity | $24,097,670 | 2,686 |
| Average total loans | $51,506,670 | 5,542 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9907% | 178 |
| Cost of funding earning assets | 0.9791% | 6,470 |
| Net interest margin | 6.0117% | 107 |
| Noninterest income to average assets | -0.3309% | 7,833 |
| Noninterest expense to average assets | 2.6105% | 5,313 |
| Loan and lease loss provision to assets | 1.1275% | 1,084 |
| Net operating income to assets | 1.6055% | 742 |
| Return on assets (ROA) | 1.6055% | 796 |
| Pretax return on assets | 1.5749% | 1,327 |
| Return on Equity (ROE) | 4.3698% | 4,724 |
| Retained earnings to average equity (ytd only) | -8.1391% | 6,840 |
| Net charge-offs to loans | 1.1602% | 1,452 |
| Credit loss provision to net charge-offs | 122.6667% | 2,852 |
| Earnings coverage of net charge-offs (x) | 2.9400% | 3,082 |
| Efficiency ratio | 49.1349% | 7,368 |
| Assets per employee ($millions) | 7.2868% | 721 |
| Cash dividends to net income (ytd only)* | 286.2595% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,184 |
| Loan loss allowance to noncurrent loans | 45.0061% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 7.0950% | 755 |
| Noncurrent loans to loans | 3.2128% | 2,485 |
| Net loans and leases to total assets | 76.8043% | 1,365 |
| Net loans and leases to deposits | 120.7079% | 126 |
| Net loans and leases to core deposits | 120.7079% | 758 |
| Total domestic deposits to total assets | 63.6282% | 7,685 |
| Equity capital to assets | 36.1980% | 64 |
| Core capital (leverage) ratio | 36.6495% | 60 |
| Tier 1 risk-based capital ratio | 44.0566% | 199 |
| Total risk-based capital ratio | 45.3074% | 199 |
| Memoranda: | ||
| Average total assets | $65,275,500 | 6,200 |
| Average earning assets | $61,281,000 | 6,119 |
| Average equity | $23,983,000 | 2,721 |
| Average total loans | $51,715,000 | 5,599 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0455% | 263 |
| Cost of funding earning assets | 1.4016% | 5,924 |
| Net interest margin | 5.6438% | 160 |
| Noninterest income to average assets | 0.4535% | 4,776 |
| Noninterest expense to average assets | 2.2860% | 6,788 |
| Loan and lease loss provision to assets | -0.0046% | 7,955 |
| Net operating income to assets | 3.5216% | 44 |
| Return on assets (ROA) | 3.5216% | 45 |
| Pretax return on assets | 3.5324% | 60 |
| Return on Equity (ROE) | 9.8723% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.7912% | 528 |
| Net charge-offs to loans | 0.4420% | 4,028 |
| Credit loss provision to net charge-offs | -1.3636% | 7,347 |
| Earnings coverage of net charge-offs (x) | 10.3955% | 1,693 |
| Efficiency ratio | 39.3208% | 7,872 |
| Assets per employee ($millions) | 7.2189% | 736 |
| Cash dividends to net income (ytd only)* | 10.9505% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 4,496 |
| Loan loss allowance to noncurrent loans | 36.8531% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 7.1202% | 704 |
| Noncurrent loans to loans | 3.6562% | 2,059 |
| Net loans and leases to total assets | 79.4474% | 1,104 |
| Net loans and leases to deposits | 127.0416% | 111 |
| Net loans and leases to core deposits | 143.0468% | 707 |
| Total domestic deposits to total assets | 62.5366% | 7,746 |
| Equity capital to assets | 37.2895% | 70 |
| Core capital (leverage) ratio | 37.6927% | 70 |
| Tier 1 risk-based capital ratio | 43.0350% | 207 |
| Total risk-based capital ratio | 44.2465% | 205 |
| Memoranda: | ||
| Average total assets | $64,828,600 | 6,171 |
| Average earning assets | $61,571,600 | 6,073 |
| Average equity | $23,125,400 | 2,816 |
| Average total loans | $49,775,400 | 5,682 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8801% | 366 |
| Cost of funding earning assets | 1.5195% | 5,749 |
| Net interest margin | 5.3606% | 229 |
| Noninterest income to average assets | 0.3725% | 5,534 |
| Noninterest expense to average assets | 2.3459% | 6,567 |
| Loan and lease loss provision to assets | -0.1770% | 8,078 |
| Net operating income to assets | 3.3027% | 51 |
| Return on assets (ROA) | 3.3027% | 53 |
| Pretax return on assets | 3.3069% | 83 |
| Return on Equity (ROE) | 9.3652% | 2,136 |
| Retained earnings to average equity (ytd only) | 7.9064% | 1,164 |
| Net charge-offs to loans | 0.2008% | 4,799 |
| Credit loss provision to net charge-offs | -116.2162% | 7,211 |
| Earnings coverage of net charge-offs (x) | 20.5549% | 1,234 |
| Efficiency ratio | 42.8410% | 7,867 |
| Assets per employee ($millions) | 7.2877% | 700 |
| Cash dividends to net income (ytd only)* | 15.5765% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 3,237 |
| Loan loss allowance to noncurrent loans | 21.2860% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 8.0608% | 529 |
| Noncurrent loans to loans | 7.2276% | 729 |
| Net loans and leases to total assets | 74.9394% | 2,259 |
| Net loans and leases to deposits | 117.3359% | 249 |
| Net loans and leases to core deposits | 139.1029% | 962 |
| Total domestic deposits to total assets | 63.8674% | 7,770 |
| Equity capital to assets | 35.9039% | 86 |
| Core capital (leverage) ratio | 36.2053% | 88 |
| Tier 1 risk-based capital ratio | 42.4077% | 242 |
| Total risk-based capital ratio | 43.6593% | 239 |
| Memoranda: | ||
| Average total assets | $64,793,250 | 6,214 |
| Average earning assets | $61,683,500 | 6,116 |
| Average equity | $22,850,000 | 2,870 |
| Average total loans | $49,138,750 | 5,754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9110% | 374 |
| Cost of funding earning assets | 1.6421% | 5,547 |
| Net interest margin | 5.2689% | 257 |
| Noninterest income to average assets | 0.6602% | 3,264 |
| Noninterest expense to average assets | 2.5043% | 6,113 |
| Loan and lease loss provision to assets | 0.0527% | 6,699 |
| Net operating income to assets | 3.0684% | 54 |
| Return on assets (ROA) | 3.0684% | 60 |
| Pretax return on assets | 3.1056% | 93 |
| Return on Equity (ROE) | 8.7545% | 2,449 |
| Retained earnings to average equity (ytd only) | 6.5438% | 1,774 |
| Net charge-offs to loans | 0.2373% | 4,014 |
| Credit loss provision to net charge-offs | 29.3103% | 6,039 |
| Earnings coverage of net charge-offs (x) | 17.5690% | 1,472 |
| Efficiency ratio | 44.2255% | 7,917 |
| Assets per employee ($millions) | 7.0799% | 749 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 2,125 |
| Loan loss allowance to noncurrent loans | 31.0248% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 8.1530% | 459 |
| Noncurrent loans to loans | 5.7125% | 991 |
| Net loans and leases to total assets | 77.1528% | 1,920 |
| Net loans and leases to deposits | 121.0266% | 212 |
| Net loans and leases to core deposits | 142.4255% | 918 |
| Total domestic deposits to total assets | 63.7486% | 7,841 |
| Equity capital to assets | 35.9924% | 99 |
| Core capital (leverage) ratio | 33.7170% | 115 |
| Tier 1 risk-based capital ratio | 42.0175% | 267 |
| Total risk-based capital ratio | 43.2725% | 264 |
| Memoranda: | ||
| Average total assets | $64,528,000 | 6,281 |
| Average earning assets | $61,264,670 | 6,174 |
| Average equity | $22,617,000 | 2,899 |
| Average total loans | $48,878,330 | 5,813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7488% | 532 |
| Cost of funding earning assets | 1.7245% | 5,496 |
| Net interest margin | 5.0244% | 379 |
| Noninterest income to average assets | 0.7454% | 2,631 |
| Noninterest expense to average assets | 2.3409% | 6,400 |
| Loan and lease loss provision to assets | -0.4251% | 8,224 |
| Net operating income to assets | 3.5668% | 43 |
| Return on assets (ROA) | 3.5668% | 50 |
| Pretax return on assets | 3.6037% | 76 |
| Return on Equity (ROE) | 10.3124% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.4218% | 1,361 |
| Net charge-offs to loans | 0.3313% | 2,775 |
| Credit loss provision to net charge-offs | -172.5000% | 6,254 |
| Earnings coverage of net charge-offs (x) | 12.9000% | 1,767 |
| Efficiency ratio | 42.4107% | 7,987 |
| Assets per employee ($millions) | 7.4051% | 649 |
| Cash dividends to net income (ytd only)* | 8.6356% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6807% | 2,207 |
| Loan loss allowance to noncurrent loans | 28.0096% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 7.4783% | 422 |
| Noncurrent loans to loans | 6.0004% | 803 |
| Net loans and leases to total assets | 71.8888% | 3,264 |
| Net loans and leases to deposits | 109.4758% | 642 |
| Net loans and leases to core deposits | 128.4753% | 1,747 |
| Total domestic deposits to total assets | 65.6664% | 7,756 |
| Equity capital to assets | 34.0951% | 114 |
| Core capital (leverage) ratio | 34.6303% | 118 |
| Tier 1 risk-based capital ratio | 40.3312% | 321 |
| Total risk-based capital ratio | 41.5825% | 310 |
| Memoranda: | ||
| Average total assets | $64,932,500 | 6,294 |
| Average earning assets | $61,699,500 | 6,187 |
| Average equity | $22,458,500 | 2,923 |
| Average total loans | $48,293,500 | 5,863 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8722% | 224 |
| Cost of funding earning assets | 2.2591% | 5,339 |
| Net interest margin | 5.6132% | 169 |
| Noninterest income to average assets | 0.7294% | 2,915 |
| Noninterest expense to average assets | 1.9665% | 7,508 |
| Loan and lease loss provision to assets | 1.3719% | 1,015 |
| Net operating income to assets | 2.7258% | 87 |
| Return on assets (ROA) | 2.7258% | 87 |
| Pretax return on assets | 2.7498% | 130 |
| Return on Equity (ROE) | 8.2047% | 2,975 |
| Retained earnings to average equity (ytd only) | 1.7491% | 4,160 |
| Net charge-offs to loans | 1.1544% | 1,047 |
| Credit loss provision to net charge-offs | 157.1184% | 3,311 |
| Earnings coverage of net charge-offs (x) | 4.7204% | 3,886 |
| Efficiency ratio | 32.3001% | 8,219 |
| Assets per employee ($millions) | 7.0243% | 704 |
| Cash dividends to net income (ytd only)* | 78.6813% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 1,337 |
| Loan loss allowance to noncurrent loans | 34.3068% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 7.7065% | 308 |
| Noncurrent loans to loans | 5.6523% | 686 |
| Net loans and leases to total assets | 74.2324% | 3,047 |
| Net loans and leases to deposits | 114.8981% | 576 |
| Net loans and leases to core deposits | 135.1720% | 1,527 |
| Total domestic deposits to total assets | 64.6072% | 7,749 |
| Equity capital to assets | 35.1065% | 123 |
| Core capital (leverage) ratio | 35.8847% | 131 |
| Tier 1 risk-based capital ratio | 46.7863% | 242 |
| Total risk-based capital ratio | 48.0448% | 242 |
| Memoranda: | ||
| Average total assets | $66,769,400 | 6,134 |
| Average earning assets | $63,743,000 | 6,029 |
| Average equity | $22,182,400 | 2,953 |
| Average total loans | $50,504,400 | 5,685 |