Home > State Bank of Medora > Performance and Condition Ratios
State Bank of Medora, 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 | 4.4944% | 3,904 |
| Cost of funding earning assets | 1.9865% | 1,960 |
| Net interest margin | 2.5079% | 4,027 |
| Noninterest income to average assets | 0.3300% | 2,671 |
| Noninterest expense to average assets | 1.8131% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.6929% | 3,132 |
| Return on assets (ROA) | 0.6929% | 3,145 |
| Pretax return on assets | 0.8546% | 3,068 |
| Return on Equity (ROE) | 4.6500% | 3,604 |
| Retained earnings to average equity (ytd only) | 4.6495% | 2,667 |
| Net charge-offs to loans | -0.0541% | 4,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.9654% | 2,046 |
| Assets per employee ($millions) | 6.8983% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,331 |
| Loan loss allowance to noncurrent loans | 358.0420% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,823 |
| Noncurrent loans to loans | 0.3276% | 2,329 |
| Net loans and leases to total assets | 41.6900% | 3,922 |
| Net loans and leases to deposits | 53.0598% | 3,755 |
| Net loans and leases to core deposits | 61.0499% | 3,658 |
| Total domestic deposits to total assets | 78.5700% | 3,757 |
| Equity capital to assets | 15.0444% | 557 |
| Core capital (leverage) ratio | 15.1202% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $103,913,000 | 3,747 |
| Average earning assets | $96,653,500 | 3,731 |
| Average equity | $15,485,500 | 3,330 |
| Average total loans | $44,370,000 | 3,897 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 4,040 |
| Cost of funding earning assets | 2.1973% | 1,745 |
| Net interest margin | 2.1388% | 4,193 |
| Noninterest income to average assets | 0.3700% | 2,639 |
| Noninterest expense to average assets | 1.8655% | 3,846 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.4232% | 3,644 |
| Return on assets (ROA) | 0.4232% | 3,664 |
| Pretax return on assets | 0.4919% | 3,665 |
| Return on Equity (ROE) | 2.8100% | 3,890 |
| Retained earnings to average equity (ytd only) | 1.6832% | 3,488 |
| Net charge-offs to loans | 0.0448% | 1,719 |
| Credit loss provision to net charge-offs | 5.2632% | 2,524 |
| Earnings coverage of net charge-offs (x) | 25.4211% | 1,652 |
| Efficiency ratio | 79.7314% | 1,067 |
| Assets per employee ($millions) | 6.9568% | 2,189 |
| Cash dividends to net income (ytd only)* | 40.1392% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,034 |
| Loan loss allowance to noncurrent loans | 118.8776% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 1,792 |
| Noncurrent loans to loans | 0.8693% | 1,150 |
| Net loans and leases to total assets | 42.7600% | 3,936 |
| Net loans and leases to deposits | 54.1512% | 3,790 |
| Net loans and leases to core deposits | 62.7563% | 3,656 |
| Total domestic deposits to total assets | 78.9700% | 3,672 |
| Equity capital to assets | 14.7616% | 579 |
| Core capital (leverage) ratio | 14.9242% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $101,849,200 | 3,761 |
| Average earning assets | $93,932,400 | 3,748 |
| Average equity | $15,328,400 | 3,318 |
| Average total loans | $42,413,200 | 3,931 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 4,081 |
| Cost of funding earning assets | 2.1812% | 1,785 |
| Net interest margin | 2.0981% | 4,233 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 1.7887% | 3,950 |
| Loan and lease loss provision to assets | -0.0300% | 4,235 |
| Net operating income to assets | 0.4597% | 3,564 |
| Return on assets (ROA) | 0.4597% | 3,593 |
| Pretax return on assets | 0.5440% | 3,575 |
| Return on Equity (ROE) | 3.0400% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.0394% | 3,164 |
| Net charge-offs to loans | -0.0192% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 77.7778% | 1,242 |
| Assets per employee ($millions) | 6.8735% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,021 |
| Loan loss allowance to noncurrent loans | 126.6129% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 1,785 |
| Noncurrent loans to loans | 0.8255% | 1,211 |
| Net loans and leases to total assets | 43.2500% | 3,929 |
| Net loans and leases to deposits | 55.2276% | 3,776 |
| Net loans and leases to core deposits | 66.1607% | 3,565 |
| Total domestic deposits to total assets | 78.3100% | 3,689 |
| Equity capital to assets | 15.0287% | 575 |
| Core capital (leverage) ratio | 15.0956% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $101,223,500 | 3,780 |
| Average earning assets | $93,033,500 | 3,776 |
| Average equity | $15,309,500 | 3,322 |
| Average total loans | $41,743,500 | 3,949 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1814% | 4,149 |
| Cost of funding earning assets | 2.0701% | 1,949 |
| Net interest margin | 2.1113% | 4,234 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 1.8291% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4155% | 3,629 |
| Return on assets (ROA) | 0.4155% | 3,668 |
| Pretax return on assets | 0.4811% | 3,666 |
| Return on Equity (ROE) | 2.7400% | 3,921 |
| Retained earnings to average equity (ytd only) | 2.7414% | 3,109 |
| Net charge-offs to loans | -0.0837% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 79.1738% | 1,196 |
| Assets per employee ($millions) | 6.2285% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 1,981 |
| Loan loss allowance to noncurrent loans | 212.8631% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 2,215 |
| Noncurrent loans to loans | 0.5876% | 1,553 |
| Net loans and leases to total assets | 40.6400% | 4,017 |
| Net loans and leases to deposits | 52.2122% | 3,886 |
| Net loans and leases to core deposits | 62.7222% | 3,669 |
| Total domestic deposits to total assets | 77.8400% | 3,724 |
| Equity capital to assets | 15.4080% | 530 |
| Core capital (leverage) ratio | 15.2443% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $100,597,000 | 3,802 |
| Average earning assets | $92,362,333 | 3,796 |
| Average equity | $15,247,667 | 3,296 |
| Average total loans | $40,636,667 | 3,979 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 4,230 |
| Cost of funding earning assets | 1.9095% | 2,226 |
| Net interest margin | 2.1283% | 4,240 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 1.8126% | 3,929 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.3839% | 3,657 |
| Return on assets (ROA) | 0.3839% | 3,681 |
| Pretax return on assets | 0.4472% | 3,664 |
| Return on Equity (ROE) | 2.5500% | 3,930 |
| Retained earnings to average equity (ytd only) | 2.5536% | 3,106 |
| Net charge-offs to loans | -0.0297% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.6271% | 1,391 |
| Assets per employee ($millions) | 6.2634% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,077 |
| Loan loss allowance to noncurrent loans | 223.6364% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,260 |
| Noncurrent loans to loans | 0.5534% | 1,540 |
| Net loans and leases to total assets | 39.1800% | 4,047 |
| Net loans and leases to deposits | 50.1059% | 3,914 |
| Net loans and leases to core deposits | 58.5740% | 3,821 |
| Total domestic deposits to total assets | 78.1900% | 3,773 |
| Equity capital to assets | 15.2093% | 539 |
| Core capital (leverage) ratio | 15.2764% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $101,067,500 | 3,817 |
| Average earning assets | $93,218,000 | 3,806 |
| Average equity | $15,194,000 | 3,311 |
| Average total loans | $40,448,000 | 3,994 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,198 |
| Cost of funding earning assets | 1.3540% | 2,347 |
| Net interest margin | 2.4269% | 4,162 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.8405% | 3,932 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.5737% | 3,504 |
| Return on assets (ROA) | 0.5737% | 3,495 |
| Pretax return on assets | 0.7119% | 3,409 |
| Return on Equity (ROE) | 3.8800% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.7281% | 3,367 |
| Net charge-offs to loans | 0.0605% | 1,247 |
| Credit loss provision to net charge-offs | 86.9565% | 1,970 |
| Earnings coverage of net charge-offs (x) | 32.2174% | 1,591 |
| Efficiency ratio | 71.5547% | 1,705 |
| Assets per employee ($millions) | 6.7927% | 2,211 |
| Cash dividends to net income (ytd only)* | 29.6041% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 2,433 |
| Loan loss allowance to noncurrent loans | 159.2105% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 1,762 |
| Noncurrent loans to loans | 0.7389% | 1,056 |
| Net loans and leases to total assets | 39.9000% | 4,043 |
| Net loans and leases to deposits | 52.2609% | 3,869 |
| Net loans and leases to core deposits | 61.2833% | 3,714 |
| Total domestic deposits to total assets | 76.3600% | 3,911 |
| Equity capital to assets | 14.8356% | 570 |
| Core capital (leverage) ratio | 15.1155% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $101,275,000 | 3,825 |
| Average earning assets | $93,574,400 | 3,805 |
| Average equity | $14,992,200 | 3,266 |
| Average total loans | $38,027,600 | 4,024 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 4,209 |
| Cost of funding earning assets | 1.2428% | 2,295 |
| Net interest margin | 2.4614% | 4,179 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.7800% | 4,015 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6922% | 3,344 |
| Return on assets (ROA) | 0.6922% | 3,324 |
| Pretax return on assets | 0.8439% | 3,233 |
| Return on Equity (ROE) | 4.6800% | 3,870 |
| Retained earnings to average equity (ytd only) | 4.6786% | 3,050 |
| Net charge-offs to loans | 0.0966% | 806 |
| Credit loss provision to net charge-offs | 74.0741% | 1,781 |
| Earnings coverage of net charge-offs (x) | 24.4444% | 1,709 |
| Efficiency ratio | 67.1642% | 2,119 |
| Assets per employee ($millions) | 6.6365% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 1,338 |
| Loan loss allowance to noncurrent loans | 268.0952% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,205 |
| Noncurrent loans to loans | 0.5328% | 1,491 |
| Net loans and leases to total assets | 39.0300% | 4,090 |
| Net loans and leases to deposits | 51.6883% | 3,884 |
| Net loans and leases to core deposits | 59.6918% | 3,719 |
| Total domestic deposits to total assets | 75.5100% | 4,062 |
| Equity capital to assets | 15.2712% | 505 |
| Core capital (leverage) ratio | 15.2841% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $101,121,250 | 3,836 |
| Average earning assets | $93,657,750 | 3,820 |
| Average equity | $14,961,250 | 3,262 |
| Average total loans | $37,248,750 | 4,047 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6083% | 4,242 |
| Cost of funding earning assets | 1.0604% | 2,414 |
| Net interest margin | 2.5479% | 4,159 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.7512% | 4,082 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.7772% | 3,149 |
| Return on assets (ROA) | 0.7772% | 3,162 |
| Pretax return on assets | 0.9366% | 3,081 |
| Return on Equity (ROE) | 5.3100% | 3,837 |
| Retained earnings to average equity (ytd only) | 5.3088% | 2,858 |
| Net charge-offs to loans | -0.0110% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.2136% | 2,457 |
| Assets per employee ($millions) | 7.1603% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 963 |
| Loan loss allowance to noncurrent loans | 199.3266% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 1,731 |
| Noncurrent loans to loans | 0.7946% | 959 |
| Net loans and leases to total assets | 36.7000% | 4,157 |
| Net loans and leases to deposits | 47.5185% | 4,003 |
| Net loans and leases to core deposits | 54.4294% | 3,877 |
| Total domestic deposits to total assets | 77.2200% | 3,923 |
| Equity capital to assets | 15.0353% | 522 |
| Core capital (leverage) ratio | 15.0515% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $101,646,000 | 3,847 |
| Average earning assets | $94,115,333 | 3,832 |
| Average equity | $14,881,000 | 3,281 |
| Average total loans | $36,527,000 | 4,067 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 4,195 |
| Cost of funding earning assets | 0.9305% | 2,269 |
| Net interest margin | 2.6356% | 4,169 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.7082% | 4,187 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8483% | 3,027 |
| Return on assets (ROA) | 0.8483% | 2,979 |
| Pretax return on assets | 1.0359% | 2,898 |
| Return on Equity (ROE) | 5.8800% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.8786% | 2,797 |
| Net charge-offs to loans | 0.0776% | 683 |
| Credit loss provision to net charge-offs | 214.2857% | 799 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,188 |
| Efficiency ratio | 60.9484% | 2,834 |
| Assets per employee ($millions) | 6.8303% | 2,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 832 |
| Loan loss allowance to noncurrent loans | 239.5349% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 1,862 |
| Noncurrent loans to loans | 0.7048% | 1,081 |
| Net loans and leases to total assets | 35.1300% | 4,220 |
| Net loans and leases to deposits | 42.8028% | 4,136 |
| Net loans and leases to core deposits | 47.2868% | 4,069 |
| Total domestic deposits to total assets | 82.0700% | 3,474 |
| Equity capital to assets | 14.4982% | 531 |
| Core capital (leverage) ratio | 14.6013% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,327,000 | 3,889 |
| Average earning assets | $95,006,000 | 3,872 |
| Average equity | $14,765,500 | 3,326 |
| Average total loans | $36,102,000 | 4,131 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1571% | 3,895 |
| Cost of funding earning assets | 0.8131% | 370 |
| Net interest margin | 2.3440% | 4,400 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.8095% | 4,016 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6229% | 3,825 |
| Return on assets (ROA) | 0.6229% | 3,775 |
| Pretax return on assets | 0.7374% | 3,773 |
| Return on Equity (ROE) | 4.3500% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.1606% | 3,677 |
| Net charge-offs to loans | -0.0091% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.6358% | 1,602 |
| Assets per employee ($millions) | 6.8133% | 2,106 |
| Cash dividends to net income (ytd only)* | 27.4168% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 977 |
| Loan loss allowance to noncurrent loans | 184.4660% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 1,645 |
| Noncurrent loans to loans | 0.8681% | 862 |
| Net loans and leases to total assets | 34.2700% | 4,278 |
| Net loans and leases to deposits | 41.7073% | 4,190 |
| Net loans and leases to core deposits | 45.7331% | 4,126 |
| Total domestic deposits to total assets | 82.1800% | 3,594 |
| Equity capital to assets | 14.3611% | 539 |
| Core capital (leverage) ratio | 14.3379% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $101,299,000 | 3,915 |
| Average earning assets | $94,326,600 | 3,893 |
| Average equity | $14,490,800 | 3,414 |
| Average total loans | $33,054,800 | 4,191 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0666% | 3,747 |
| Cost of funding earning assets | 0.7921% | 160 |
| Net interest margin | 2.2745% | 4,424 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.7795% | 4,017 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6002% | 3,833 |
| Return on assets (ROA) | 0.6002% | 3,790 |
| Pretax return on assets | 0.7084% | 3,783 |
| Return on Equity (ROE) | 4.2000% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.2000% | 3,375 |
| Net charge-offs to loans | -0.0823% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.9627% | 1,648 |
| Assets per employee ($millions) | 6.3567% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 882 |
| Loan loss allowance to noncurrent loans | 195.6667% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 1,667 |
| Noncurrent loans to loans | 0.8669% | 906 |
| Net loans and leases to total assets | 33.4500% | 4,321 |
| Net loans and leases to deposits | 40.9436% | 4,208 |
| Net loans and leases to core deposits | 45.0146% | 4,145 |
| Total domestic deposits to total assets | 81.6900% | 3,880 |
| Equity capital to assets | 14.4277% | 514 |
| Core capital (leverage) ratio | 14.3702% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $101,073,750 | 3,943 |
| Average earning assets | $94,262,000 | 3,922 |
| Average equity | $14,444,250 | 3,467 |
| Average total loans | $32,419,250 | 4,228 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9669% | 3,638 |
| Cost of funding earning assets | 0.7725% | 109 |
| Net interest margin | 2.1944% | 4,438 |
| Noninterest income to average assets | 0.4184% | 2,641 |
| Noninterest expense to average assets | 1.6696% | 4,180 |
| Loan and lease loss provision to assets | 0.0297% | 2,053 |
| Net operating income to assets | 0.6484% | 3,478 |
| Return on assets (ROA) | 0.6484% | 3,427 |
| Pretax return on assets | 0.7694% | 3,408 |
| Return on Equity (ROE) | 4.5519% | 3,898 |
| Retained earnings to average equity (ytd only) | 4.5519% | 2,860 |
| Net charge-offs to loans | -0.0884% | 4,408 |
| Credit loss provision to net charge-offs | -107.1429% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6305% | 2,291 |
| Assets per employee ($millions) | 6.7636% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 868 |
| Loan loss allowance to noncurrent loans | 280.6763% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 1,909 |
| Noncurrent loans to loans | 0.6254% | 1,358 |
| Net loans and leases to total assets | 32.0530% | 4,402 |
| Net loans and leases to deposits | 38.6478% | 4,310 |
| Net loans and leases to core deposits | 42.7297% | 4,240 |
| Total domestic deposits to total assets | 82.9361% | 3,885 |
| Equity capital to assets | 14.3375% | 478 |
| Core capital (leverage) ratio | 14.2133% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,862,667 | 3,977 |
| Average earning assets | $94,240,000 | 3,967 |
| Average equity | $14,367,667 | 3,552 |
| Average total loans | $31,690,667 | 4,290 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8735% | 3,598 |
| Cost of funding earning assets | 0.7759% | 100 |
| Net interest margin | 2.0976% | 4,450 |
| Noninterest income to average assets | 0.3580% | 2,945 |
| Noninterest expense to average assets | 1.7222% | 4,105 |
| Loan and lease loss provision to assets | 0.0597% | 1,336 |
| Net operating income to assets | 0.4733% | 3,781 |
| Return on assets (ROA) | 0.4733% | 3,747 |
| Pretax return on assets | 0.5330% | 3,808 |
| Return on Equity (ROE) | 3.3337% | 4,025 |
| Retained earnings to average equity (ytd only) | 3.3337% | 3,160 |
| Net charge-offs to loans | -0.0645% | 4,347 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3986% | 1,698 |
| Assets per employee ($millions) | 6.7226% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8208% | 851 |
| Loan loss allowance to noncurrent loans | 182.1656% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 1,558 |
| Noncurrent loans to loans | 0.9996% | 905 |
| Net loans and leases to total assets | 30.5854% | 4,430 |
| Net loans and leases to deposits | 36.2885% | 4,375 |
| Net loans and leases to core deposits | 40.0686% | 4,310 |
| Total domestic deposits to total assets | 84.2839% | 3,711 |
| Equity capital to assets | 14.2187% | 493 |
| Core capital (leverage) ratio | 14.1317% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,567,000 | 3,999 |
| Average earning assets | $93,823,000 | 3,985 |
| Average equity | $14,278,500 | 3,625 |
| Average total loans | $30,986,000 | 4,312 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1108% | 3,665 |
| Cost of funding earning assets | 0.8642% | 144 |
| Net interest margin | 2.2467% | 4,458 |
| Noninterest income to average assets | 0.3571% | 3,299 |
| Noninterest expense to average assets | 1.7532% | 4,222 |
| Loan and lease loss provision to assets | 0.0150% | 2,779 |
| Net operating income to assets | 0.5816% | 3,919 |
| Return on assets (ROA) | 0.6178% | 3,880 |
| Pretax return on assets | 0.7222% | 3,883 |
| Return on Equity (ROE) | 4.3722% | 4,136 |
| Retained earnings to average equity (ytd only) | 3.1443% | 3,569 |
| Net charge-offs to loans | 0.0156% | 1,998 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 138.6000% | 711 |
| Efficiency ratio | 71.6100% | 1,554 |
| Assets per employee ($millions) | 6.6863% | 2,170 |
| Cash dividends to net income (ytd only)* | 28.0844% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8064% | 853 |
| Loan loss allowance to noncurrent loans | 218.1818% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 2,100 |
| Noncurrent loans to loans | 0.8279% | 1,231 |
| Net loans and leases to total assets | 29.9177% | 4,508 |
| Net loans and leases to deposits | 35.5117% | 4,491 |
| Net loans and leases to core deposits | 39.0581% | 4,419 |
| Total domestic deposits to total assets | 84.2475% | 3,487 |
| Equity capital to assets | 14.1772% | 633 |
| Core capital (leverage) ratio | 14.0450% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,701,000 | 3,993 |
| Average earning assets | $92,804,800 | 3,988 |
| Average equity | $14,089,000 | 3,737 |
| Average total loans | $31,986,400 | 4,338 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2230% | 3,564 |
| Cost of funding earning assets | 0.8777% | 174 |
| Net interest margin | 2.3453% | 4,449 |
| Noninterest income to average assets | 0.3536% | 3,336 |
| Noninterest expense to average assets | 1.6982% | 4,331 |
| Loan and lease loss provision to assets | 0.0201% | 2,593 |
| Net operating income to assets | 0.6867% | 3,799 |
| Return on assets (ROA) | 0.7339% | 3,752 |
| Pretax return on assets | 0.8746% | 3,750 |
| Return on Equity (ROE) | 5.1979% | 4,088 |
| Retained earnings to average equity (ytd only) | 5.1979% | 3,145 |
| Net charge-offs to loans | -0.0082% | 3,602 |
| Credit loss provision to net charge-offs | -750.0000% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9483% | 1,977 |
| Assets per employee ($millions) | 6.7588% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 877 |
| Loan loss allowance to noncurrent loans | 227.2358% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 2,396 |
| Noncurrent loans to loans | 0.8056% | 1,411 |
| Net loans and leases to total assets | 29.5684% | 4,603 |
| Net loans and leases to deposits | 35.0764% | 4,599 |
| Net loans and leases to core deposits | 38.8067% | 4,549 |
| Total domestic deposits to total assets | 84.2970% | 3,371 |
| Equity capital to assets | 14.1278% | 707 |
| Core capital (leverage) ratio | 14.0277% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,552,500 | 4,044 |
| Average earning assets | $92,665,000 | 4,035 |
| Average equity | $14,056,500 | 3,783 |
| Average total loans | $32,343,500 | 4,391 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4420% | 3,044 |
| Cost of funding earning assets | 0.8958% | 193 |
| Net interest margin | 2.5461% | 4,253 |
| Noninterest income to average assets | 0.3497% | 3,364 |
| Noninterest expense to average assets | 1.7101% | 4,347 |
| Loan and lease loss provision to assets | 0.0303% | 2,372 |
| Net operating income to assets | 0.8088% | 3,482 |
| Return on assets (ROA) | 0.8793% | 3,357 |
| Pretax return on assets | 1.0612% | 3,308 |
| Return on Equity (ROE) | 6.2287% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.2287% | 2,716 |
| Net charge-offs to loans | -0.0182% | 3,952 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9464% | 2,585 |
| Assets per employee ($millions) | 6.7461% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 992 |
| Loan loss allowance to noncurrent loans | 237.2881% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 2,588 |
| Noncurrent loans to loans | 0.7320% | 1,626 |
| Net loans and leases to total assets | 31.3061% | 4,612 |
| Net loans and leases to deposits | 37.0875% | 4,608 |
| Net loans and leases to core deposits | 40.8893% | 4,558 |
| Total domestic deposits to total assets | 84.4117% | 3,307 |
| Equity capital to assets | 14.0437% | 706 |
| Core capital (leverage) ratio | 13.9887% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,942,667 | 4,076 |
| Average earning assets | $91,982,333 | 4,067 |
| Average equity | $13,967,667 | 3,795 |
| Average total loans | $32,946,000 | 4,411 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2454% | 3,593 |
| Cost of funding earning assets | 0.9216% | 200 |
| Net interest margin | 2.3238% | 4,501 |
| Noninterest income to average assets | 0.3394% | 3,401 |
| Noninterest expense to average assets | 1.9506% | 3,855 |
| Loan and lease loss provision to assets | 0.0613% | 1,898 |
| Net operating income to assets | 0.4269% | 4,318 |
| Return on assets (ROA) | 0.5725% | 4,065 |
| Pretax return on assets | 0.6461% | 4,116 |
| Return on Equity (ROE) | 4.0445% | 4,275 |
| Retained earnings to average equity (ytd only) | 4.0445% | 3,486 |
| Net charge-offs to loans | -0.1201% | 4,686 |
| Credit loss provision to net charge-offs | -150.0000% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1967% | 941 |
| Assets per employee ($millions) | 5.9036% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 1,035 |
| Loan loss allowance to noncurrent loans | 254.2601% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 2,858 |
| Noncurrent loans to loans | 0.6711% | 1,903 |
| Net loans and leases to total assets | 32.5442% | 4,612 |
| Net loans and leases to deposits | 38.4241% | 4,612 |
| Net loans and leases to core deposits | 42.7687% | 4,540 |
| Total domestic deposits to total assets | 84.6974% | 3,222 |
| Equity capital to assets | 13.8658% | 696 |
| Core capital (leverage) ratio | 14.1381% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,818,500 | 4,096 |
| Average earning assets | $90,713,500 | 4,088 |
| Average equity | $13,846,000 | 3,808 |
| Average total loans | $33,299,500 | 4,425 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4050% | 4,187 |
| Cost of funding earning assets | 1.0944% | 409 |
| Net interest margin | 2.3106% | 4,715 |
| Noninterest income to average assets | 0.3524% | 3,357 |
| Noninterest expense to average assets | 1.9001% | 4,322 |
| Loan and lease loss provision to assets | 0.0323% | 3,991 |
| Net operating income to assets | 0.5130% | 4,002 |
| Return on assets (ROA) | 0.5130% | 4,085 |
| Pretax return on assets | 0.5680% | 4,151 |
| Return on Equity (ROE) | 3.4772% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.2719% | 3,721 |
| Net charge-offs to loans | -0.0533% | 4,681 |
| Credit loss provision to net charge-offs | -176.4706% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9914% | 1,229 |
| Assets per employee ($millions) | 5.6044% | 2,735 |
| Cash dividends to net income (ytd only)* | 34.6639% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 1,232 |
| Loan loss allowance to noncurrent loans | 292.9730% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 3,131 |
| Noncurrent loans to loans | 0.5544% | 2,321 |
| Net loans and leases to total assets | 34.4560% | 4,631 |
| Net loans and leases to deposits | 41.0304% | 4,632 |
| Net loans and leases to core deposits | 44.1842% | 4,594 |
| Total domestic deposits to total assets | 83.9769% | 3,117 |
| Equity capital to assets | 14.4592% | 687 |
| Core capital (leverage) ratio | 14.6917% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,783,400 | 4,086 |
| Average earning assets | $86,256,200 | 4,071 |
| Average equity | $13,689,200 | 3,797 |
| Average total loans | $31,879,200 | 4,485 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 4,224 |
| Cost of funding earning assets | 1.1257% | 485 |
| Net interest margin | 2.3634% | 4,747 |
| Noninterest income to average assets | 0.3501% | 3,368 |
| Noninterest expense to average assets | 1.8518% | 4,408 |
| Loan and lease loss provision to assets | 0.0434% | 3,813 |
| Net operating income to assets | 0.5830% | 3,820 |
| Return on assets (ROA) | 0.5830% | 3,921 |
| Pretax return on assets | 0.6539% | 3,997 |
| Return on Equity (ROE) | 3.9314% | 4,173 |
| Retained earnings to average equity (ytd only) | 3.9314% | 3,085 |
| Net charge-offs to loans | -0.0466% | 4,655 |
| Credit loss provision to net charge-offs | -272.7273% | 3,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6447% | 1,559 |
| Assets per employee ($millions) | 5.4112% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,142 |
| Loan loss allowance to noncurrent loans | 210.1961% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 2,892 |
| Noncurrent loans to loans | 0.7545% | 1,918 |
| Net loans and leases to total assets | 36.1583% | 4,676 |
| Net loans and leases to deposits | 43.4099% | 4,678 |
| Net loans and leases to core deposits | 46.4806% | 4,657 |
| Total domestic deposits to total assets | 83.2949% | 3,063 |
| Equity capital to assets | 15.0756% | 622 |
| Core capital (leverage) ratio | 15.0468% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,160,500 | 4,091 |
| Average earning assets | $85,748,500 | 4,085 |
| Average equity | $13,667,500 | 3,796 |
| Average total loans | $31,506,500 | 4,514 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 4,359 |
| Cost of funding earning assets | 1.1417% | 629 |
| Net interest margin | 2.4022% | 4,793 |
| Noninterest income to average assets | 0.3535% | 3,358 |
| Noninterest expense to average assets | 1.8955% | 4,423 |
| Loan and lease loss provision to assets | 0.0651% | 3,479 |
| Net operating income to assets | 0.5661% | 3,840 |
| Return on assets (ROA) | 0.5661% | 3,921 |
| Pretax return on assets | 0.6289% | 4,008 |
| Return on Equity (ROE) | 3.8380% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.8380% | 2,991 |
| Net charge-offs to loans | 0.0455% | 1,839 |
| Credit loss provision to net charge-offs | 428.5714% | 1,343 |
| Earnings coverage of net charge-offs (x) | 45.7143% | 1,163 |
| Efficiency ratio | 73.1993% | 1,542 |
| Assets per employee ($millions) | 5.4541% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 1,072 |
| Loan loss allowance to noncurrent loans | 204.7431% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 2,834 |
| Noncurrent loans to loans | 0.7682% | 1,964 |
| Net loans and leases to total assets | 34.9612% | 4,752 |
| Net loans and leases to deposits | 41.8255% | 4,749 |
| Net loans and leases to core deposits | 45.4025% | 4,727 |
| Total domestic deposits to total assets | 83.5882% | 2,891 |
| Equity capital to assets | 14.8037% | 666 |
| Core capital (leverage) ratio | 14.9434% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,217,333 | 4,094 |
| Average earning assets | $85,837,667 | 4,084 |
| Average equity | $13,600,667 | 3,814 |
| Average total loans | $30,742,667 | 4,550 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 4,534 |
| Cost of funding earning assets | 1.1712% | 846 |
| Net interest margin | 2.4221% | 4,863 |
| Noninterest income to average assets | 0.3567% | 3,386 |
| Noninterest expense to average assets | 1.8268% | 4,634 |
| Loan and lease loss provision to assets | 0.0652% | 2,948 |
| Net operating income to assets | 0.6350% | 3,491 |
| Return on assets (ROA) | 0.6350% | 3,553 |
| Pretax return on assets | 0.7133% | 3,641 |
| Return on Equity (ROE) | 4.3138% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.3138% | 2,566 |
| Net charge-offs to loans | 0.1889% | 720 |
| Credit loss provision to net charge-offs | 107.1429% | 1,776 |
| Earnings coverage of net charge-offs (x) | 12.7857% | 1,680 |
| Efficiency ratio | 70.1169% | 2,334 |
| Assets per employee ($millions) | 5.3394% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 893 |
| Loan loss allowance to noncurrent loans | 232.8638% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,127 |
| Noncurrent loans to loans | 0.7254% | 2,180 |
| Net loans and leases to total assets | 31.8013% | 4,870 |
| Net loans and leases to deposits | 38.1361% | 4,866 |
| Net loans and leases to core deposits | 41.3251% | 4,855 |
| Total domestic deposits to total assets | 83.3888% | 2,984 |
| Equity capital to assets | 14.9950% | 760 |
| Core capital (leverage) ratio | 14.5702% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3203% | 205 |
| Memoranda: | ||
| Average total assets | $91,966,000 | 4,093 |
| Average earning assets | $85,380,000 | 4,087 |
| Average equity | $13,538,000 | 3,831 |
| Average total loans | $29,647,000 | 4,602 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,592 |
| Cost of funding earning assets | 1.1450% | 1,170 |
| Net interest margin | 2.6328% | 4,885 |
| Noninterest income to average assets | 0.3817% | 3,406 |
| Noninterest expense to average assets | 1.9351% | 4,626 |
| Loan and lease loss provision to assets | 0.0333% | 3,347 |
| Net operating income to assets | 0.7379% | 3,740 |
| Return on assets (ROA) | 0.7379% | 3,811 |
| Pretax return on assets | 0.8499% | 3,877 |
| Return on Equity (ROE) | 5.0045% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.7628% | 3,096 |
| Net charge-offs to loans | 0.0232% | 2,944 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 113.7143% | 608 |
| Efficiency ratio | 68.6614% | 2,360 |
| Assets per employee ($millions) | 5.8226% | 1,775 |
| Cash dividends to net income (ytd only)* | 24.8120% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 875 |
| Loan loss allowance to noncurrent loans | 221.9731% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 3,322 |
| Noncurrent loans to loans | 0.7450% | 2,021 |
| Net loans and leases to total assets | 31.5976% | 4,944 |
| Net loans and leases to deposits | 37.6557% | 4,945 |
| Net loans and leases to core deposits | 40.8535% | 4,932 |
| Total domestic deposits to total assets | 83.9119% | 2,870 |
| Equity capital to assets | 14.4533% | 946 |
| Core capital (leverage) ratio | 14.4139% | 824 |
| Tier 1 risk-based capital ratio | 32.0077% | 417 |
| Total risk-based capital ratio | 33.1844% | 408 |
| Memoranda: | ||
| Average total assets | $90,125,200 | 4,147 |
| Average earning assets | $83,409,200 | 4,137 |
| Average equity | $13,288,000 | 3,858 |
| Average total loans | $30,128,400 | 4,640 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 4,674 |
| Cost of funding earning assets | 1.1322% | 1,228 |
| Net interest margin | 2.6741% | 4,959 |
| Noninterest income to average assets | 0.3939% | 3,359 |
| Noninterest expense to average assets | 1.8590% | 4,749 |
| Loan and lease loss provision to assets | 0.0448% | 3,012 |
| Net operating income to assets | 0.8236% | 3,598 |
| Return on assets (ROA) | 0.8236% | 3,680 |
| Pretax return on assets | 0.9638% | 3,702 |
| Return on Equity (ROE) | 5.5572% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.5572% | 2,596 |
| Net charge-offs to loans | -0.0044% | 4,176 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8283% | 2,890 |
| Assets per employee ($millions) | 5.6906% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 827 |
| Loan loss allowance to noncurrent loans | 132.7177% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4547% | 2,700 |
| Noncurrent loans to loans | 1.2791% | 1,218 |
| Net loans and leases to total assets | 31.9905% | 5,021 |
| Net loans and leases to deposits | 38.3048% | 5,029 |
| Net loans and leases to core deposits | 41.3853% | 5,002 |
| Total domestic deposits to total assets | 83.5155% | 2,990 |
| Equity capital to assets | 14.8459% | 888 |
| Core capital (leverage) ratio | 14.9576% | 745 |
| Tier 1 risk-based capital ratio | 33.0513% | 397 |
| Total risk-based capital ratio | 34.2812% | 391 |
| Memoranda: | ||
| Average total assets | $89,366,000 | 4,208 |
| Average earning assets | $82,666,750 | 4,196 |
| Average equity | $13,243,750 | 3,899 |
| Average total loans | $30,177,500 | 4,701 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 4,719 |
| Cost of funding earning assets | 1.1070% | 1,274 |
| Net interest margin | 2.6826% | 5,016 |
| Noninterest income to average assets | 0.3964% | 3,289 |
| Noninterest expense to average assets | 1.8603% | 4,803 |
| Loan and lease loss provision to assets | 0.0676% | 2,464 |
| Net operating income to assets | 0.8198% | 3,588 |
| Return on assets (ROA) | 0.8198% | 3,642 |
| Pretax return on assets | 0.9572% | 3,687 |
| Return on Equity (ROE) | 5.5350% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.5350% | 2,497 |
| Net charge-offs to loans | -0.0461% | 4,810 |
| Credit loss provision to net charge-offs | -428.5714% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4809% | 3,057 |
| Assets per employee ($millions) | 5.2168% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 905 |
| Loan loss allowance to noncurrent loans | 112.6106% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 2,364 |
| Noncurrent loans to loans | 1.4711% | 1,050 |
| Net loans and leases to total assets | 34.0712% | 5,028 |
| Net loans and leases to deposits | 40.8855% | 5,034 |
| Net loans and leases to core deposits | 44.2576% | 4,993 |
| Total domestic deposits to total assets | 83.3331% | 3,098 |
| Equity capital to assets | 15.0296% | 800 |
| Core capital (leverage) ratio | 14.8954% | 729 |
| Tier 1 risk-based capital ratio | 32.5861% | 402 |
| Total risk-based capital ratio | 33.8304% | 395 |
| Memoranda: | ||
| Average total assets | $88,805,000 | 4,241 |
| Average earning assets | $82,382,330 | 4,231 |
| Average equity | $13,152,670 | 3,913 |
| Average total loans | $30,360,000 | 4,726 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7555% | 4,772 |
| Cost of funding earning assets | 1.0529% | 1,369 |
| Net interest margin | 2.7026% | 5,062 |
| Noninterest income to average assets | 0.3916% | 3,242 |
| Noninterest expense to average assets | 1.7735% | 4,946 |
| Loan and lease loss provision to assets | 0.0675% | 2,320 |
| Net operating income to assets | 0.8957% | 3,249 |
| Return on assets (ROA) | 0.8957% | 3,304 |
| Pretax return on assets | 1.0578% | 3,272 |
| Return on Equity (ROE) | 6.0928% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.0928% | 2,420 |
| Net charge-offs to loans | -0.0398% | 4,761 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1801% | 3,653 |
| Assets per employee ($millions) | 5.2962% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 1,005 |
| Loan loss allowance to noncurrent loans | 76.0870% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 1,866 |
| Noncurrent loans to loans | 2.1442% | 674 |
| Net loans and leases to total assets | 32.8147% | 5,096 |
| Net loans and leases to deposits | 39.1651% | 5,089 |
| Net loans and leases to core deposits | 42.5059% | 5,071 |
| Total domestic deposits to total assets | 83.7854% | 3,122 |
| Equity capital to assets | 14.6208% | 849 |
| Core capital (leverage) ratio | 14.9719% | 699 |
| Tier 1 risk-based capital ratio | 33.0206% | 386 |
| Total risk-based capital ratio | 34.2497% | 374 |
| Memoranda: | ||
| Average total assets | $88,865,000 | 4,281 |
| Average earning assets | $82,439,000 | 4,273 |
| Average equity | $13,064,500 | 3,938 |
| Average total loans | $30,177,500 | 4,786 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 4,685 |
| Cost of funding earning assets | 0.9122% | 1,048 |
| Net interest margin | 2.7775% | 5,039 |
| Noninterest income to average assets | 0.3605% | 3,682 |
| Noninterest expense to average assets | 1.8930% | 4,905 |
| Loan and lease loss provision to assets | 0.0343% | 3,509 |
| Net operating income to assets | 0.8400% | 3,647 |
| Return on assets (ROA) | 0.8400% | 3,647 |
| Pretax return on assets | 0.9980% | 3,611 |
| Return on Equity (ROE) | 5.7591% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.4645% | 3,068 |
| Net charge-offs to loans | 0.1517% | 1,260 |
| Credit loss provision to net charge-offs | 65.2174% | 3,047 |
| Earnings coverage of net charge-offs (x) | 19.6087% | 2,051 |
| Efficiency ratio | 64.7105% | 3,083 |
| Assets per employee ($millions) | 5.1585% | 2,318 |
| Cash dividends to net income (ytd only)* | 22.4796% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 1,123 |
| Loan loss allowance to noncurrent loans | 77.1242% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 1,885 |
| Noncurrent loans to loans | 2.0185% | 669 |
| Net loans and leases to total assets | 34.0365% | 5,123 |
| Net loans and leases to deposits | 40.7159% | 5,108 |
| Net loans and leases to core deposits | 44.2717% | 5,073 |
| Total domestic deposits to total assets | 83.5952% | 3,127 |
| Equity capital to assets | 14.7844% | 766 |
| Core capital (leverage) ratio | 14.8842% | 719 |
| Tier 1 risk-based capital ratio | 32.1680% | 394 |
| Total risk-based capital ratio | 33.3391% | 390 |
| Memoranda: | ||
| Average total assets | $87,376,000 | 4,309 |
| Average earning assets | $80,682,800 | 4,306 |
| Average equity | $12,745,000 | 3,924 |
| Average total loans | $30,314,400 | 4,816 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 4,706 |
| Cost of funding earning assets | 0.8879% | 968 |
| Net interest margin | 2.7782% | 5,113 |
| Noninterest income to average assets | 0.3559% | 3,753 |
| Noninterest expense to average assets | 1.7809% | 5,055 |
| Loan and lease loss provision to assets | 0.0458% | 3,072 |
| Net operating income to assets | 0.9072% | 3,494 |
| Return on assets (ROA) | 0.9072% | 3,499 |
| Pretax return on assets | 1.0859% | 3,450 |
| Return on Equity (ROE) | 6.2410% | 4,193 |
| Retained earnings to average equity (ytd only) | 6.2410% | 2,528 |
| Net charge-offs to loans | -0.0176% | 4,590 |
| Credit loss provision to net charge-offs | -750.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1432% | 3,643 |
| Assets per employee ($millions) | 5.1074% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 906 |
| Loan loss allowance to noncurrent loans | 63.9706% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 1,486 |
| Noncurrent loans to loans | 2.6302% | 475 |
| Net loans and leases to total assets | 35.1300% | 5,166 |
| Net loans and leases to deposits | 42.1229% | 5,151 |
| Net loans and leases to core deposits | 45.7905% | 5,115 |
| Total domestic deposits to total assets | 83.3990% | 3,164 |
| Equity capital to assets | 14.9610% | 732 |
| Core capital (leverage) ratio | 15.2095% | 652 |
| Tier 1 risk-based capital ratio | 32.1137% | 396 |
| Total risk-based capital ratio | 33.3646% | 389 |
| Memoranda: | ||
| Average total assets | $87,296,500 | 4,360 |
| Average earning assets | $80,338,500 | 4,360 |
| Average equity | $12,690,000 | 3,959 |
| Average total loans | $30,313,000 | 4,864 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6377% | 4,705 |
| Cost of funding earning assets | 0.8616% | 867 |
| Net interest margin | 2.7760% | 5,148 |
| Noninterest income to average assets | 0.3385% | 3,924 |
| Noninterest expense to average assets | 1.7724% | 5,129 |
| Loan and lease loss provision to assets | 0.0686% | 2,506 |
| Net operating income to assets | 0.8828% | 3,537 |
| Return on assets (ROA) | 0.8828% | 3,538 |
| Pretax return on assets | 1.0543% | 3,497 |
| Return on Equity (ROE) | 6.1319% | 4,181 |
| Retained earnings to average equity (ytd only) | 6.1319% | 2,485 |
| Net charge-offs to loans | -0.0266% | 4,695 |
| Credit loss provision to net charge-offs | -750.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2164% | 3,738 |
| Assets per employee ($millions) | 5.1027% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 954 |
| Loan loss allowance to noncurrent loans | 107.1869% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,280 |
| Noncurrent loans to loans | 1.5592% | 1,053 |
| Net loans and leases to total assets | 35.4034% | 5,200 |
| Net loans and leases to deposits | 42.3174% | 5,181 |
| Net loans and leases to core deposits | 45.7574% | 5,158 |
| Total domestic deposits to total assets | 83.6615% | 3,191 |
| Equity capital to assets | 14.7350% | 750 |
| Core capital (leverage) ratio | 14.7945% | 716 |
| Tier 1 risk-based capital ratio | 31.9239% | 411 |
| Total risk-based capital ratio | 33.1752% | 405 |
| Memoranda: | ||
| Average total assets | $87,453,330 | 4,390 |
| Average earning assets | $80,546,330 | 4,391 |
| Average equity | $12,590,000 | 3,996 |
| Average total loans | $30,076,000 | 4,926 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 4,674 |
| Cost of funding earning assets | 0.8355% | 810 |
| Net interest margin | 2.7783% | 5,178 |
| Noninterest income to average assets | 0.3280% | 3,959 |
| Noninterest expense to average assets | 1.7675% | 5,185 |
| Loan and lease loss provision to assets | 0.0683% | 2,399 |
| Net operating income to assets | 0.8929% | 3,325 |
| Return on assets (ROA) | 0.8929% | 3,336 |
| Pretax return on assets | 1.0523% | 3,350 |
| Return on Equity (ROE) | 6.2750% | 4,069 |
| Retained earnings to average equity (ytd only) | 6.2750% | 2,596 |
| Net charge-offs to loans | -0.1763% | 5,351 |
| Credit loss provision to net charge-offs | -115.3846% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1987% | 3,916 |
| Assets per employee ($millions) | 5.2236% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 868 |
| Loan loss allowance to noncurrent loans | 120.8431% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 2,565 |
| Noncurrent loans to loans | 1.4466% | 1,225 |
| Net loans and leases to total assets | 32.6592% | 5,304 |
| Net loans and leases to deposits | 38.7344% | 5,300 |
| Net loans and leases to core deposits | 41.7758% | 5,271 |
| Total domestic deposits to total assets | 84.3157% | 3,185 |
| Equity capital to assets | 14.1799% | 843 |
| Core capital (leverage) ratio | 14.4924% | 766 |
| Tier 1 risk-based capital ratio | 32.0791% | 404 |
| Total risk-based capital ratio | 33.3299% | 398 |
| Memoranda: | ||
| Average total assets | $87,807,000 | 4,433 |
| Average earning assets | $80,914,000 | 4,436 |
| Average equity | $12,494,000 | 4,048 |
| Average total loans | $29,497,500 | 4,983 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5104% | 4,773 |
| Cost of funding earning assets | 0.8728% | 432 |
| Net interest margin | 2.6376% | 5,326 |
| Noninterest income to average assets | 0.2921% | 4,371 |
| Noninterest expense to average assets | 2.0244% | 4,920 |
| Loan and lease loss provision to assets | 0.0412% | 3,440 |
| Net operating income to assets | 0.3733% | 4,777 |
| Return on assets (ROA) | 0.3733% | 4,792 |
| Pretax return on assets | 0.6536% | 4,619 |
| Return on Equity (ROE) | 2.5500% | 4,935 |
| Retained earnings to average equity (ytd only) | 1.3434% | 4,470 |
| Net charge-offs to loans | 0.0970% | 2,110 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | 21.0714% | 1,928 |
| Efficiency ratio | 74.4478% | 1,835 |
| Assets per employee ($millions) | 5.1066% | 2,355 |
| Cash dividends to net income (ytd only)* | 47.3186% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 1,023 |
| Loan loss allowance to noncurrent loans | 134.4353% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 2,798 |
| Noncurrent loans to loans | 1.2315% | 1,436 |
| Net loans and leases to total assets | 33.3928% | 5,357 |
| Net loans and leases to deposits | 39.6604% | 5,346 |
| Net loans and leases to core deposits | 42.6152% | 5,325 |
| Total domestic deposits to total assets | 84.1969% | 3,125 |
| Equity capital to assets | 14.2791% | 837 |
| Core capital (leverage) ratio | 14.6212% | 704 |
| Tier 1 risk-based capital ratio | 32.2477% | 387 |
| Total risk-based capital ratio | 33.4990% | 385 |
| Memoranda: | ||
| Average total assets | $84,913,400 | 4,501 |
| Average earning assets | $78,139,000 | 4,493 |
| Average equity | $12,431,400 | 4,067 |
| Average total loans | $28,863,000 | 5,049 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5064% | 4,803 |
| Cost of funding earning assets | 0.8787% | 396 |
| Net interest margin | 2.6277% | 5,384 |
| Noninterest income to average assets | 0.3111% | 4,302 |
| Noninterest expense to average assets | 1.8411% | 5,216 |
| Loan and lease loss provision to assets | 0.0553% | 2,986 |
| Net operating income to assets | 0.6663% | 4,131 |
| Return on assets (ROA) | 0.6663% | 4,189 |
| Pretax return on assets | 0.8321% | 4,265 |
| Return on Equity (ROE) | 4.5228% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.5228% | 3,208 |
| Net charge-offs to loans | 0.1440% | 1,386 |
| Credit loss provision to net charge-offs | 112.9032% | 2,103 |
| Earnings coverage of net charge-offs (x) | 18.1299% | 2,068 |
| Efficiency ratio | 67.4769% | 2,971 |
| Assets per employee ($millions) | 4.8111% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 1,159 |
| Loan loss allowance to noncurrent loans | 177.0073% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 3,232 |
| Noncurrent loans to loans | 0.9254% | 2,073 |
| Net loans and leases to total assets | 35.6104% | 5,366 |
| Net loans and leases to deposits | 43.1283% | 5,332 |
| Net loans and leases to core deposits | 46.4358% | 5,305 |
| Total domestic deposits to total assets | 82.5683% | 3,595 |
| Equity capital to assets | 15.4680% | 638 |
| Core capital (leverage) ratio | 15.1798% | 626 |
| Tier 1 risk-based capital ratio | 33.9697% | 355 |
| Total risk-based capital ratio | 35.2210% | 344 |
| Memoranda: | ||
| Average total assets | $84,438,750 | 4,552 |
| Average earning assets | $77,684,500 | 4,548 |
| Average equity | $12,440,250 | 4,107 |
| Average total loans | $28,709,500 | 5,106 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 4,867 |
| Cost of funding earning assets | 0.8679% | 371 |
| Net interest margin | 2.5859% | 5,447 |
| Noninterest income to average assets | 0.3305% | 4,180 |
| Noninterest expense to average assets | 1.7909% | 5,325 |
| Loan and lease loss provision to assets | 0.0703% | 2,568 |
| Net operating income to assets | 0.6587% | 4,037 |
| Return on assets (ROA) | 0.6587% | 4,097 |
| Pretax return on assets | 0.8439% | 4,115 |
| Return on Equity (ROE) | 4.5432% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.5432% | 3,003 |
| Net charge-offs to loans | 0.2816% | 722 |
| Credit loss provision to net charge-offs | 75.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,399 |
| Efficiency ratio | 66.2045% | 3,319 |
| Assets per employee ($millions) | 4.9647% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 1,189 |
| Loan loss allowance to noncurrent loans | 247.8947% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 3,663 |
| Noncurrent loans to loans | 0.6590% | 2,770 |
| Net loans and leases to total assets | 33.6043% | 5,460 |
| Net loans and leases to deposits | 42.4568% | 5,383 |
| Net loans and leases to core deposits | 45.3589% | 5,355 |
| Total domestic deposits to total assets | 79.1493% | 4,591 |
| Equity capital to assets | 14.8223% | 734 |
| Core capital (leverage) ratio | 14.8984% | 655 |
| Tier 1 risk-based capital ratio | 33.6381% | 342 |
| Total risk-based capital ratio | 34.8884% | 337 |
| Memoranda: | ||
| Average total assets | $85,322,330 | 4,566 |
| Average earning assets | $78,348,330 | 4,560 |
| Average equity | $12,370,000 | 4,132 |
| Average total loans | $28,409,330 | 5,157 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 4,955 |
| Cost of funding earning assets | 0.8504% | 376 |
| Net interest margin | 2.5361% | 5,516 |
| Noninterest income to average assets | 0.3404% | 4,123 |
| Noninterest expense to average assets | 1.7533% | 5,430 |
| Loan and lease loss provision to assets | 0.0699% | 2,409 |
| Net operating income to assets | 0.6621% | 3,871 |
| Return on assets (ROA) | 0.6621% | 3,912 |
| Pretax return on assets | 0.8533% | 3,927 |
| Return on Equity (ROE) | 4.6179% | 4,555 |
| Retained earnings to average equity (ytd only) | 4.6179% | 3,108 |
| Net charge-offs to loans | -0.0709% | 5,328 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5052% | 3,574 |
| Assets per employee ($millions) | 5.0244% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 973 |
| Loan loss allowance to noncurrent loans | 152.7439% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 3,081 |
| Noncurrent loans to loans | 1.1714% | 1,739 |
| Net loans and leases to total assets | 32.1961% | 5,534 |
| Net loans and leases to deposits | 38.4089% | 5,515 |
| Net loans and leases to core deposits | 41.3018% | 5,488 |
| Total domestic deposits to total assets | 83.8247% | 3,542 |
| Equity capital to assets | 14.4836% | 759 |
| Core capital (leverage) ratio | 14.4511% | 725 |
| Tier 1 risk-based capital ratio | 33.4849% | 366 |
| Total risk-based capital ratio | 34.7381% | 362 |
| Memoranda: | ||
| Average total assets | $85,783,500 | 4,607 |
| Average earning assets | $79,018,500 | 4,592 |
| Average equity | $12,300,000 | 4,166 |
| Average total loans | $28,197,500 | 5,213 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,457 |
| Cost of funding earning assets | 0.8723% | 339 |
| Net interest margin | 2.7499% | 5,358 |
| Noninterest income to average assets | 0.3768% | 4,052 |
| Noninterest expense to average assets | 1.8692% | 5,403 |
| Loan and lease loss provision to assets | 0.0371% | 3,626 |
| Net operating income to assets | 0.7462% | 3,555 |
| Return on assets (ROA) | 0.7462% | 3,672 |
| Pretax return on assets | 1.0217% | 3,401 |
| Return on Equity (ROE) | 5.0089% | 4,432 |
| Retained earnings to average equity (ytd only) | 3.7649% | 3,238 |
| Net charge-offs to loans | 0.1717% | 1,587 |
| Credit loss provision to net charge-offs | 58.8235% | 3,264 |
| Earnings coverage of net charge-offs (x) | 16.8039% | 2,088 |
| Efficiency ratio | 63.8397% | 3,964 |
| Assets per employee ($millions) | 4.7863% | 2,677 |
| Cash dividends to net income (ytd only)* | 24.8344% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 1,147 |
| Loan loss allowance to noncurrent loans | 160.8696% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 3,254 |
| Noncurrent loans to loans | 1.0530% | 1,973 |
| Net loans and leases to total assets | 32.3993% | 5,587 |
| Net loans and leases to deposits | 38.4704% | 5,591 |
| Net loans and leases to core deposits | 41.1635% | 5,568 |
| Total domestic deposits to total assets | 84.2188% | 3,344 |
| Equity capital to assets | 14.1945% | 828 |
| Core capital (leverage) ratio | 14.2232% | 753 |
| Tier 1 risk-based capital ratio | 32.7548% | 384 |
| Total risk-based capital ratio | 34.0056% | 375 |
| Memoranda: | ||
| Average total assets | $80,942,800 | 4,718 |
| Average earning assets | $75,092,800 | 4,705 |
| Average equity | $12,058,600 | 4,242 |
| Average total loans | $29,697,800 | 5,196 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6578% | 4,376 |
| Cost of funding earning assets | 0.8730% | 335 |
| Net interest margin | 2.7849% | 5,381 |
| Noninterest income to average assets | 0.3767% | 4,089 |
| Noninterest expense to average assets | 1.8131% | 5,503 |
| Loan and lease loss provision to assets | 0.0502% | 3,240 |
| Net operating income to assets | 0.7969% | 3,380 |
| Return on assets (ROA) | 0.7969% | 3,520 |
| Pretax return on assets | 1.0982% | 3,239 |
| Return on Equity (ROE) | 5.2817% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.2817% | 2,641 |
| Net charge-offs to loans | 0.1243% | 1,714 |
| Credit loss provision to net charge-offs | 107.1429% | 2,252 |
| Earnings coverage of net charge-offs (x) | 24.5015% | 1,671 |
| Efficiency ratio | 61.2210% | 4,352 |
| Assets per employee ($millions) | 4.5911% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 1,134 |
| Loan loss allowance to noncurrent loans | 168.5619% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 3,424 |
| Noncurrent loans to loans | 1.0298% | 2,189 |
| Net loans and leases to total assets | 34.5237% | 5,603 |
| Net loans and leases to deposits | 41.3269% | 5,602 |
| Net loans and leases to core deposits | 43.6299% | 5,591 |
| Total domestic deposits to total assets | 83.5380% | 3,383 |
| Equity capital to assets | 14.8247% | 781 |
| Core capital (leverage) ratio | 14.7738% | 673 |
| Tier 1 risk-based capital ratio | 33.2140% | 376 |
| Total risk-based capital ratio | 34.4666% | 375 |
| Memoranda: | ||
| Average total assets | $79,640,250 | 4,780 |
| Average earning assets | $73,921,750 | 4,758 |
| Average equity | $12,016,000 | 4,289 |
| Average total loans | $30,023,750 | 5,235 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,373 |
| Cost of funding earning assets | 0.8708% | 335 |
| Net interest margin | 2.8040% | 5,422 |
| Noninterest income to average assets | 0.3815% | 4,015 |
| Noninterest expense to average assets | 1.7294% | 5,669 |
| Loan and lease loss provision to assets | 0.0763% | 2,610 |
| Net operating income to assets | 0.8494% | 3,096 |
| Return on assets (ROA) | 0.8494% | 3,218 |
| Pretax return on assets | 1.1801% | 2,858 |
| Return on Equity (ROE) | 5.5957% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.5957% | 2,364 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9216% | 4,913 |
| Assets per employee ($millions) | 4.8017% | 2,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 1,108 |
| Loan loss allowance to noncurrent loans | 138.9034% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 3,169 |
| Noncurrent loans to loans | 1.2820% | 1,772 |
| Net loans and leases to total assets | 35.9480% | 5,610 |
| Net loans and leases to deposits | 43.0295% | 5,591 |
| Net loans and leases to core deposits | 44.7624% | 5,604 |
| Total domestic deposits to total assets | 83.5426% | 3,445 |
| Equity capital to assets | 14.8342% | 775 |
| Core capital (leverage) ratio | 15.0366% | 606 |
| Tier 1 risk-based capital ratio | 32.3424% | 406 |
| Total risk-based capital ratio | 33.5951% | 393 |
| Memoranda: | ||
| Average total assets | $78,640,670 | 4,846 |
| Average earning assets | $73,039,000 | 4,820 |
| Average equity | $11,937,670 | 4,330 |
| Average total loans | $30,353,670 | 5,283 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 4,120 |
| Cost of funding earning assets | 0.8664% | 353 |
| Net interest margin | 2.8897% | 5,340 |
| Noninterest income to average assets | 0.3215% | 4,433 |
| Noninterest expense to average assets | 1.8251% | 5,621 |
| Loan and lease loss provision to assets | 0.0778% | 2,408 |
| Net operating income to assets | 0.7985% | 3,258 |
| Return on assets (ROA) | 0.7985% | 3,372 |
| Pretax return on assets | 1.0992% | 3,095 |
| Return on Equity (ROE) | 5.1974% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.1974% | 2,821 |
| Net charge-offs to loans | 0.0785% | 1,701 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 37.8333% | 1,049 |
| Efficiency ratio | 60.7945% | 4,634 |
| Assets per employee ($millions) | 4.9401% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 1,441 |
| Loan loss allowance to noncurrent loans | 116.9336% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.7679% | 2,777 |
| Noncurrent loans to loans | 1.4238% | 1,674 |
| Net loans and leases to total assets | 38.1848% | 5,547 |
| Net loans and leases to deposits | 45.8575% | 5,509 |
| Net loans and leases to core deposits | 47.5824% | 5,528 |
| Total domestic deposits to total assets | 83.2684% | 3,802 |
| Equity capital to assets | 15.0920% | 672 |
| Core capital (leverage) ratio | 15.4579% | 538 |
| Tier 1 risk-based capital ratio | 31.7590% | 439 |
| Total risk-based capital ratio | 33.0103% | 433 |
| Memoranda: | ||
| Average total assets | $77,146,500 | 4,914 |
| Average earning assets | $71,563,500 | 4,885 |
| Average equity | $11,852,000 | 4,354 |
| Average total loans | $30,592,500 | 5,315 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,671 |
| Cost of funding earning assets | 0.8259% | 431 |
| Net interest margin | 3.0840% | 4,941 |
| Noninterest income to average assets | 0.4224% | 3,871 |
| Noninterest expense to average assets | 2.0403% | 5,376 |
| Loan and lease loss provision to assets | 0.0773% | 2,731 |
| Net operating income to assets | 0.8435% | 3,140 |
| Return on assets (ROA) | 0.8435% | 3,208 |
| Pretax return on assets | 1.1554% | 2,823 |
| Return on Equity (ROE) | 5.2691% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.9755% | 3,206 |
| Net charge-offs to loans | 0.1538% | 1,837 |
| Credit loss provision to net charge-offs | 119.1489% | 2,159 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,975 |
| Efficiency ratio | 62.3366% | 4,554 |
| Assets per employee ($millions) | 4.7032% | 2,725 |
| Cash dividends to net income (ytd only)* | 24.5499% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 1,485 |
| Loan loss allowance to noncurrent loans | 94.8960% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.8704% | 2,492 |
| Noncurrent loans to loans | 1.7349% | 1,299 |
| Net loans and leases to total assets | 39.8533% | 5,522 |
| Net loans and leases to deposits | 48.1458% | 5,482 |
| Net loans and leases to core deposits | 49.4827% | 5,520 |
| Total domestic deposits to total assets | 82.7763% | 3,919 |
| Equity capital to assets | 15.6476% | 570 |
| Core capital (leverage) ratio | 15.7357% | 495 |
| Tier 1 risk-based capital ratio | 32.2735% | 423 |
| Total risk-based capital ratio | 33.5261% | 414 |
| Memoranda: | ||
| Average total assets | $72,440,000 | 5,031 |
| Average earning assets | $66,959,400 | 5,018 |
| Average equity | $11,596,000 | 4,371 |
| Average total loans | $30,563,000 | 5,337 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 3,642 |
| Cost of funding earning assets | 0.8162% | 448 |
| Net interest margin | 3.1120% | 4,931 |
| Noninterest income to average assets | 0.4516% | 3,702 |
| Noninterest expense to average assets | 1.9664% | 5,538 |
| Loan and lease loss provision to assets | 0.1041% | 2,123 |
| Net operating income to assets | 0.9181% | 2,877 |
| Return on assets (ROA) | 0.9181% | 2,963 |
| Pretax return on assets | 1.2583% | 2,563 |
| Return on Equity (ROE) | 5.7020% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.7020% | 2,439 |
| Net charge-offs to loans | 0.1003% | 2,145 |
| Credit loss provision to net charge-offs | 243.4783% | 1,159 |
| Earnings coverage of net charge-offs (x) | 31.8653% | 1,439 |
| Efficiency ratio | 59.0731% | 5,000 |
| Assets per employee ($millions) | 4.6623% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 1,404 |
| Loan loss allowance to noncurrent loans | 100.3817% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 2,777 |
| Noncurrent loans to loans | 1.7234% | 1,394 |
| Net loans and leases to total assets | 40.0539% | 5,589 |
| Net loans and leases to deposits | 48.5151% | 5,536 |
| Net loans and leases to core deposits | 49.7942% | 5,583 |
| Total domestic deposits to total assets | 82.5596% | 3,963 |
| Equity capital to assets | 15.8291% | 588 |
| Core capital (leverage) ratio | 16.3177% | 450 |
| Tier 1 risk-based capital ratio | 32.8228% | 418 |
| Total risk-based capital ratio | 34.0764% | 412 |
| Memoranda: | ||
| Average total assets | $71,737,250 | 5,110 |
| Average earning assets | $66,321,500 | 5,096 |
| Average equity | $11,551,250 | 4,432 |
| Average total loans | $30,580,750 | 5,401 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,411 |
| Cost of funding earning assets | 0.8095% | 471 |
| Net interest margin | 3.1585% | 4,794 |
| Noninterest income to average assets | 0.3730% | 4,274 |
| Noninterest expense to average assets | 1.9581% | 5,617 |
| Loan and lease loss provision to assets | 0.1356% | 1,615 |
| Net operating income to assets | 0.8590% | 3,088 |
| Return on assets (ROA) | 0.8590% | 3,190 |
| Pretax return on assets | 1.2008% | 2,773 |
| Return on Equity (ROE) | 5.3028% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.3028% | 2,670 |
| Net charge-offs to loans | 0.1240% | 1,770 |
| Credit loss provision to net charge-offs | 252.6316% | 1,043 |
| Earnings coverage of net charge-offs (x) | 24.8947% | 1,547 |
| Efficiency ratio | 59.4340% | 5,055 |
| Assets per employee ($millions) | 4.7835% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 1,564 |
| Loan loss allowance to noncurrent loans | 75.3247% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 2,487 |
| Noncurrent loans to loans | 2.2787% | 1,039 |
| Net loans and leases to total assets | 41.6568% | 5,525 |
| Net loans and leases to deposits | 50.6928% | 5,469 |
| Net loans and leases to core deposits | 52.0895% | 5,532 |
| Total domestic deposits to total assets | 82.1750% | 4,238 |
| Equity capital to assets | 16.1917% | 503 |
| Core capital (leverage) ratio | 16.4001% | 419 |
| Tier 1 risk-based capital ratio | 32.6697% | 435 |
| Total risk-based capital ratio | 33.9210% | 428 |
| Memoranda: | ||
| Average total assets | $70,784,000 | 5,190 |
| Average earning assets | $65,474,670 | 5,163 |
| Average equity | $11,465,670 | 4,475 |
| Average total loans | $30,639,330 | 5,448 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 3,453 |
| Cost of funding earning assets | 0.7993% | 500 |
| Net interest margin | 3.1421% | 4,816 |
| Noninterest income to average assets | 0.4267% | 3,787 |
| Noninterest expense to average assets | 2.0768% | 5,437 |
| Loan and lease loss provision to assets | 0.1366% | 1,511 |
| Net operating income to assets | 0.8592% | 2,970 |
| Return on assets (ROA) | 0.8592% | 3,085 |
| Pretax return on assets | 1.1209% | 2,993 |
| Return on Equity (ROE) | 5.3031% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.3031% | 2,884 |
| Net charge-offs to loans | 0.1301% | 1,473 |
| Credit loss provision to net charge-offs | 240.0000% | 939 |
| Earnings coverage of net charge-offs (x) | 22.1000% | 1,361 |
| Efficiency ratio | 62.2867% | 4,756 |
| Assets per employee ($millions) | 4.7024% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 1,773 |
| Loan loss allowance to noncurrent loans | 62.2086% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 2,114 |
| Noncurrent loans to loans | 2.7112% | 866 |
| Net loans and leases to total assets | 41.8978% | 5,493 |
| Net loans and leases to deposits | 51.0115% | 5,389 |
| Net loans and leases to core deposits | 52.6763% | 5,444 |
| Total domestic deposits to total assets | 82.1339% | 4,473 |
| Equity capital to assets | 16.2541% | 516 |
| Core capital (leverage) ratio | 16.1159% | 449 |
| Tier 1 risk-based capital ratio | 32.8501% | 428 |
| Total risk-based capital ratio | 34.1022% | 427 |
| Memoranda: | ||
| Average total assets | $70,299,500 | 5,250 |
| Average earning assets | $65,053,000 | 5,232 |
| Average equity | $11,389,500 | 4,528 |
| Average total loans | $30,753,000 | 5,477 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,678 |
| Cost of funding earning assets | 0.8440% | 529 |
| Net interest margin | 3.4368% | 4,036 |
| Noninterest income to average assets | 0.4683% | 3,724 |
| Noninterest expense to average assets | 2.2751% | 5,174 |
| Loan and lease loss provision to assets | 0.1325% | 1,970 |
| Net operating income to assets | 0.8983% | 2,882 |
| Return on assets (ROA) | 0.8983% | 2,972 |
| Pretax return on assets | 1.2149% | 2,595 |
| Return on Equity (ROE) | 5.4811% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.1333% | 3,260 |
| Net charge-offs to loans | 0.2317% | 1,820 |
| Credit loss provision to net charge-offs | 123.2877% | 1,943 |
| Earnings coverage of net charge-offs (x) | 12.5342% | 2,359 |
| Efficiency ratio | 62.8049% | 4,784 |
| Assets per employee ($millions) | 4.1214% | 3,682 |
| Cash dividends to net income (ytd only)* | 24.5902% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 2,198 |
| Loan loss allowance to noncurrent loans | 55.7062% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.4087% | 1,967 |
| Noncurrent loans to loans | 2.8143% | 833 |
| Net loans and leases to total assets | 44.1788% | 5,450 |
| Net loans and leases to deposits | 53.6754% | 5,355 |
| Net loans and leases to core deposits | 55.4375% | 5,416 |
| Total domestic deposits to total assets | 82.3074% | 4,310 |
| Equity capital to assets | 16.1483% | 516 |
| Core capital (leverage) ratio | 16.1901% | 450 |
| Tier 1 risk-based capital ratio | 31.6591% | 444 |
| Total risk-based capital ratio | 32.9127% | 433 |
| Memoranda: | ||
| Average total assets | $67,909,000 | 5,347 |
| Average earning assets | $62,325,600 | 5,329 |
| Average equity | $11,129,200 | 4,537 |
| Average total loans | $31,505,600 | 5,505 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 2,677 |
| Cost of funding earning assets | 0.8498% | 545 |
| Net interest margin | 3.4401% | 4,065 |
| Noninterest income to average assets | 0.4631% | 3,788 |
| Noninterest expense to average assets | 2.2106% | 5,330 |
| Loan and lease loss provision to assets | 0.1781% | 1,380 |
| Net operating income to assets | 0.9024% | 2,904 |
| Return on assets (ROA) | 0.9024% | 2,997 |
| Pretax return on assets | 1.2230% | 2,683 |
| Return on Equity (ROE) | 5.4857% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.4857% | 2,769 |
| Net charge-offs to loans | 0.1015% | 2,784 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 29.4994% | 1,385 |
| Efficiency ratio | 61.2055% | 5,003 |
| Assets per employee ($millions) | 4.0738% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 1,818 |
| Loan loss allowance to noncurrent loans | 41.7565% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 1,416 |
| Noncurrent loans to loans | 4.1956% | 486 |
| Net loans and leases to total assets | 43.8892% | 5,527 |
| Net loans and leases to deposits | 53.4436% | 5,426 |
| Net loans and leases to core deposits | 55.4330% | 5,480 |
| Total domestic deposits to total assets | 82.1223% | 4,443 |
| Equity capital to assets | 16.3312% | 518 |
| Core capital (leverage) ratio | 16.1481% | 458 |
| Tier 1 risk-based capital ratio | 32.1416% | 433 |
| Total risk-based capital ratio | 33.3949% | 425 |
| Memoranda: | ||
| Average total assets | $67,370,500 | 5,420 |
| Average earning assets | $61,662,500 | 5,414 |
| Average equity | $11,083,000 | 4,580 |
| Average total loans | $31,520,500 | 5,561 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,371 |
| Cost of funding earning assets | 0.8497% | 558 |
| Net interest margin | 3.5036% | 3,776 |
| Noninterest income to average assets | 0.4555% | 3,829 |
| Noninterest expense to average assets | 2.2774% | 5,210 |
| Loan and lease loss provision to assets | 0.1798% | 1,368 |
| Net operating income to assets | 0.8960% | 2,835 |
| Return on assets (ROA) | 0.8960% | 2,928 |
| Pretax return on assets | 1.1986% | 2,670 |
| Return on Equity (ROE) | 5.4327% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.4327% | 2,683 |
| Net charge-offs to loans | 0.1072% | 2,604 |
| Credit loss provision to net charge-offs | 352.9412% | 758 |
| Earnings coverage of net charge-offs (x) | 27.0588% | 1,355 |
| Efficiency ratio | 62.2951% | 4,966 |
| Assets per employee ($millions) | 4.0367% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 2,217 |
| Loan loss allowance to noncurrent loans | 47.7461% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.7079% | 1,911 |
| Noncurrent loans to loans | 3.5041% | 756 |
| Net loans and leases to total assets | 44.4480% | 5,505 |
| Net loans and leases to deposits | 54.0662% | 5,351 |
| Net loans and leases to core deposits | 56.0894% | 5,405 |
| Total domestic deposits to total assets | 82.2103% | 4,580 |
| Equity capital to assets | 16.2523% | 506 |
| Core capital (leverage) ratio | 16.3921% | 422 |
| Tier 1 risk-based capital ratio | 31.9378% | 449 |
| Total risk-based capital ratio | 33.1921% | 437 |
| Memoranda: | ||
| Average total assets | $66,742,670 | 5,480 |
| Average earning assets | $60,966,000 | 5,481 |
| Average equity | $11,007,330 | 4,608 |
| Average total loans | $31,715,000 | 5,594 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 2,145 |
| Cost of funding earning assets | 0.8370% | 623 |
| Net interest margin | 3.5608% | 3,432 |
| Noninterest income to average assets | 0.4134% | 4,078 |
| Noninterest expense to average assets | 2.1641% | 5,545 |
| Loan and lease loss provision to assets | 0.1824% | 1,315 |
| Net operating income to assets | 0.9787% | 2,287 |
| Return on assets (ROA) | 0.9787% | 2,348 |
| Pretax return on assets | 1.3252% | 2,007 |
| Return on Equity (ROE) | 5.8896% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.8896% | 2,597 |
| Net charge-offs to loans | 0.2121% | 1,482 |
| Credit loss provision to net charge-offs | 176.4706% | 1,133 |
| Earnings coverage of net charge-offs (x) | 14.5882% | 1,596 |
| Efficiency ratio | 58.9404% | 5,545 |
| Assets per employee ($millions) | 3.7079% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 2,897 |
| Loan loss allowance to noncurrent loans | 49.7457% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.6376% | 2,157 |
| Noncurrent loans to loans | 3.1267% | 998 |
| Net loans and leases to total assets | 46.3726% | 5,296 |
| Net loans and leases to deposits | 56.5824% | 5,064 |
| Net loans and leases to core deposits | 57.8429% | 5,213 |
| Total domestic deposits to total assets | 81.9559% | 4,956 |
| Equity capital to assets | 16.5039% | 458 |
| Core capital (leverage) ratio | 16.7610% | 389 |
| Tier 1 risk-based capital ratio | 31.9201% | 449 |
| Total risk-based capital ratio | 33.1720% | 446 |
| Memoranda: | ||
| Average total assets | $65,802,000 | 5,573 |
| Average earning assets | $60,212,000 | 5,558 |
| Average equity | $10,934,500 | 4,636 |
| Average total loans | $32,062,000 | 5,628 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5162% | 2,142 |
| Cost of funding earning assets | 0.8784% | 826 |
| Net interest margin | 3.6378% | 3,292 |
| Noninterest income to average assets | 0.4665% | 3,985 |
| Noninterest expense to average assets | 2.3718% | 5,155 |
| Loan and lease loss provision to assets | 0.1691% | 2,166 |
| Net operating income to assets | 0.9065% | 2,743 |
| Return on assets (ROA) | 0.9065% | 2,832 |
| Pretax return on assets | 1.2258% | 2,477 |
| Return on Equity (ROE) | 5.4244% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.0941% | 3,270 |
| Net charge-offs to loans | 0.2262% | 2,651 |
| Credit loss provision to net charge-offs | 145.9459% | 1,594 |
| Earnings coverage of net charge-offs (x) | 12.0405% | 2,175 |
| Efficiency ratio | 62.9676% | 5,065 |
| Assets per employee ($millions) | 3.6034% | 4,671 |
| Cash dividends to net income (ytd only)* | 24.5250% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,394 |
| Loan loss allowance to noncurrent loans | 45.5939% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 2,089 |
| Noncurrent loans to loans | 3.1941% | 1,057 |
| Net loans and leases to total assets | 49.6577% | 5,124 |
| Net loans and leases to deposits | 60.7579% | 4,864 |
| Net loans and leases to core deposits | 61.8452% | 5,078 |
| Total domestic deposits to total assets | 81.7304% | 4,958 |
| Equity capital to assets | 16.7340% | 425 |
| Core capital (leverage) ratio | 16.4859% | 418 |
| Tier 1 risk-based capital ratio | 30.9275% | 466 |
| Total risk-based capital ratio | 32.1784% | 459 |
| Memoranda: | ||
| Average total assets | $63,874,400 | 5,652 |
| Average earning assets | $57,946,600 | 5,655 |
| Average equity | $10,674,000 | 4,703 |
| Average total loans | $32,718,800 | 5,636 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 2,219 |
| Cost of funding earning assets | 0.8744% | 929 |
| Net interest margin | 3.6275% | 3,334 |
| Noninterest income to average assets | 0.4463% | 4,184 |
| Noninterest expense to average assets | 2.3134% | 5,296 |
| Loan and lease loss provision to assets | 0.2263% | 1,601 |
| Net operating income to assets | 0.8801% | 2,935 |
| Return on assets (ROA) | 0.8801% | 3,050 |
| Pretax return on assets | 1.1840% | 2,768 |
| Return on Equity (ROE) | 5.2685% | 4,585 |
| Retained earnings to average equity (ytd only) | 5.2685% | 2,892 |
| Net charge-offs to loans | 0.1507% | 3,035 |
| Credit loss provision to net charge-offs | 291.8919% | 875 |
| Earnings coverage of net charge-offs (x) | 18.1899% | 1,698 |
| Efficiency ratio | 62.1272% | 5,119 |
| Assets per employee ($millions) | 3.6420% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5825% | 3,084 |
| Loan loss allowance to noncurrent loans | 68.4913% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 2,796 |
| Noncurrent loans to loans | 2.3105% | 1,896 |
| Net loans and leases to total assets | 48.6668% | 5,283 |
| Net loans and leases to deposits | 59.4027% | 5,046 |
| Net loans and leases to core deposits | 61.3220% | 5,180 |
| Total domestic deposits to total assets | 81.9269% | 4,958 |
| Equity capital to assets | 16.5309% | 469 |
| Core capital (leverage) ratio | 16.7289% | 412 |
| Tier 1 risk-based capital ratio | 30.9876% | 475 |
| Total risk-based capital ratio | 32.2401% | 468 |
| Memoranda: | ||
| Average total assets | $63,627,500 | 5,720 |
| Average earning assets | $57,485,250 | 5,730 |
| Average equity | $10,629,000 | 4,769 |
| Average total loans | $32,727,250 | 5,696 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 2,083 |
| Cost of funding earning assets | 0.8785% | 992 |
| Net interest margin | 3.6522% | 3,167 |
| Noninterest income to average assets | 0.4287% | 4,314 |
| Noninterest expense to average assets | 2.3148% | 5,320 |
| Loan and lease loss provision to assets | 0.2286% | 1,641 |
| Net operating income to assets | 0.8764% | 2,930 |
| Return on assets (ROA) | 0.8764% | 3,072 |
| Pretax return on assets | 1.1590% | 2,846 |
| Return on Equity (ROE) | 5.2274% | 4,603 |
| Retained earnings to average equity (ytd only) | 5.2274% | 2,907 |
| Net charge-offs to loans | 0.2863% | 2,051 |
| Credit loss provision to net charge-offs | 153.1915% | 1,507 |
| Earnings coverage of net charge-offs (x) | 9.2979% | 2,304 |
| Efficiency ratio | 62.5214% | 5,094 |
| Assets per employee ($millions) | 3.4978% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 3,884 |
| Loan loss allowance to noncurrent loans | 58.5947% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4628% | 2,909 |
| Noncurrent loans to loans | 2.4440% | 1,917 |
| Net loans and leases to total assets | 51.0538% | 4,991 |
| Net loans and leases to deposits | 62.6467% | 4,666 |
| Net loans and leases to core deposits | 64.7699% | 4,814 |
| Total domestic deposits to total assets | 81.4949% | 5,218 |
| Equity capital to assets | 16.9835% | 417 |
| Core capital (leverage) ratio | 17.0314% | 366 |
| Tier 1 risk-based capital ratio | 30.8591% | 483 |
| Total risk-based capital ratio | 32.1116% | 477 |
| Memoranda: | ||
| Average total assets | $62,984,670 | 5,780 |
| Average earning assets | $56,459,330 | 5,788 |
| Average equity | $10,559,670 | 4,816 |
| Average total loans | $32,830,670 | 5,722 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 2,035 |
| Cost of funding earning assets | 0.8888% | 1,044 |
| Net interest margin | 3.6475% | 3,083 |
| Noninterest income to average assets | 0.4762% | 3,948 |
| Noninterest expense to average assets | 2.2604% | 5,536 |
| Loan and lease loss provision to assets | 0.2286% | 1,607 |
| Net operating income to assets | 0.9651% | 2,373 |
| Return on assets (ROA) | 0.9651% | 2,509 |
| Pretax return on assets | 1.2445% | 2,419 |
| Return on Equity (ROE) | 5.7943% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.7943% | 2,785 |
| Net charge-offs to loans | -0.2186% | 6,703 |
| Credit loss provision to net charge-offs | -200.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5442% | 5,511 |
| Assets per employee ($millions) | 3.4987% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 3,673 |
| Loan loss allowance to noncurrent loans | 35.2523% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 2.3707% | 1,963 |
| Noncurrent loans to loans | 4.3555% | 983 |
| Net loans and leases to total assets | 50.5081% | 4,915 |
| Net loans and leases to deposits | 61.7967% | 4,581 |
| Net loans and leases to core deposits | 62.9425% | 4,854 |
| Total domestic deposits to total assets | 81.7327% | 5,288 |
| Equity capital to assets | 16.7826% | 450 |
| Core capital (leverage) ratio | 16.8855% | 364 |
| Tier 1 risk-based capital ratio | 31.1641% | 479 |
| Total risk-based capital ratio | 32.4173% | 470 |
| Memoranda: | ||
| Average total assets | $62,996,500 | 5,837 |
| Average earning assets | $56,257,500 | 5,844 |
| Average equity | $10,493,000 | 4,886 |
| Average total loans | $32,940,500 | 5,755 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 1,425 |
| Cost of funding earning assets | 1.0824% | 973 |
| Net interest margin | 3.9696% | 2,527 |
| Noninterest income to average assets | 0.5050% | 3,865 |
| Noninterest expense to average assets | 2.4503% | 5,252 |
| Loan and lease loss provision to assets | 0.2346% | 2,792 |
| Net operating income to assets | 1.0085% | 2,302 |
| Return on assets (ROA) | 1.0085% | 2,517 |
| Pretax return on assets | 1.3571% | 2,186 |
| Return on Equity (ROE) | 6.0433% | 4,153 |
| Retained earnings to average equity (ytd only) | 4.6472% | 2,945 |
| Net charge-offs to loans | 0.5612% | 2,057 |
| Credit loss provision to net charge-offs | 77.0053% | 3,929 |
| Earnings coverage of net charge-offs (x) | 5.2246% | 3,102 |
| Efficiency ratio | 60.6207% | 5,444 |
| Assets per employee ($millions) | 3.5009% | 5,001 |
| Cash dividends to net income (ytd only)* | 23.1018% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 4,546 |
| Loan loss allowance to noncurrent loans | 22.2558% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 3.2880% | 1,401 |
| Noncurrent loans to loans | 5.9148% | 608 |
| Net loans and leases to total assets | 52.5810% | 4,828 |
| Net loans and leases to deposits | 64.1033% | 4,515 |
| Net loans and leases to core deposits | 65.2765% | 4,810 |
| Total domestic deposits to total assets | 82.0255% | 5,082 |
| Equity capital to assets | 16.5305% | 473 |
| Core capital (leverage) ratio | 16.5878% | 391 |
| Tier 1 risk-based capital ratio | 29.9554% | 516 |
| Total risk-based capital ratio | 31.2063% | 508 |
| Memoranda: | ||
| Average total assets | $61,381,000 | 5,886 |
| Average earning assets | $54,691,200 | 5,903 |
| Average equity | $10,242,800 | 4,925 |
| Average total loans | $33,324,000 | 5,783 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 1,401 |
| Cost of funding earning assets | 1.1181% | 991 |
| Net interest margin | 3.9952% | 2,518 |
| Noninterest income to average assets | 0.5161% | 3,823 |
| Noninterest expense to average assets | 2.3682% | 5,492 |
| Loan and lease loss provision to assets | 0.2362% | 2,689 |
| Net operating income to assets | 1.1021% | 2,080 |
| Return on assets (ROA) | 1.1021% | 2,278 |
| Pretax return on assets | 1.4826% | 1,943 |
| Return on Equity (ROE) | 6.5885% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.5885% | 2,336 |
| Net charge-offs to loans | 0.2365% | 3,302 |
| Credit loss provision to net charge-offs | 183.0508% | 1,520 |
| Earnings coverage of net charge-offs (x) | 13.3228% | 1,925 |
| Efficiency ratio | 57.9454% | 5,799 |
| Assets per employee ($millions) | 3.4773% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 3,463 |
| Loan loss allowance to noncurrent loans | 32.3049% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 2.7784% | 1,894 |
| Noncurrent loans to loans | 4.9944% | 905 |
| Net loans and leases to total assets | 52.0251% | 5,041 |
| Net loans and leases to deposits | 63.5748% | 4,768 |
| Net loans and leases to core deposits | 65.0804% | 5,046 |
| Total domestic deposits to total assets | 81.8329% | 5,081 |
| Equity capital to assets | 16.6877% | 502 |
| Core capital (leverage) ratio | 16.9421% | 374 |
| Tier 1 risk-based capital ratio | 30.5821% | 501 |
| Total risk-based capital ratio | 31.8352% | 491 |
| Memoranda: | ||
| Average total assets | $60,972,000 | 5,968 |
| Average earning assets | $54,498,000 | 5,977 |
| Average equity | $10,199,250 | 4,982 |
| Average total loans | $33,260,750 | 5,859 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1990% | 1,255 |
| Cost of funding earning assets | 1.1541% | 1,008 |
| Net interest margin | 4.0449% | 2,317 |
| Noninterest income to average assets | 0.5229% | 3,761 |
| Noninterest expense to average assets | 2.3729% | 5,554 |
| Loan and lease loss provision to assets | 0.2383% | 2,687 |
| Net operating income to assets | 1.1352% | 1,929 |
| Return on assets (ROA) | 1.1352% | 2,146 |
| Pretax return on assets | 1.5191% | 1,805 |
| Return on Equity (ROE) | 6.7804% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.7804% | 2,229 |
| Net charge-offs to loans | 0.0720% | 4,426 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 44.2500% | 812 |
| Efficiency ratio | 57.4519% | 5,936 |
| Assets per employee ($millions) | 3.4217% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 3,539 |
| Loan loss allowance to noncurrent loans | 35.3208% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 2.6774% | 2,063 |
| Noncurrent loans to loans | 4.5837% | 1,143 |
| Net loans and leases to total assets | 53.7717% | 4,844 |
| Net loans and leases to deposits | 65.7273% | 4,536 |
| Net loans and leases to core deposits | 67.7689% | 4,816 |
| Total domestic deposits to total assets | 81.8104% | 5,200 |
| Equity capital to assets | 16.6975% | 485 |
| Core capital (leverage) ratio | 17.0737% | 360 |
| Tier 1 risk-based capital ratio | 29.5900% | 537 |
| Total risk-based capital ratio | 30.8445% | 527 |
| Memoranda: | ||
| Average total assets | $60,432,330 | 6,016 |
| Average earning assets | $53,894,670 | 6,034 |
| Average equity | $10,117,330 | 5,004 |
| Average total loans | $33,315,330 | 5,898 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3400% | 1,026 |
| Cost of funding earning assets | 1.1775% | 1,076 |
| Net interest margin | 4.1625% | 1,885 |
| Noninterest income to average assets | 0.5213% | 3,773 |
| Noninterest expense to average assets | 2.3056% | 5,754 |
| Loan and lease loss provision to assets | 0.2406% | 2,542 |
| Net operating income to assets | 1.2430% | 1,624 |
| Return on assets (ROA) | 1.2430% | 1,802 |
| Pretax return on assets | 1.6841% | 1,347 |
| Return on Equity (ROE) | 7.4148% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.4148% | 2,222 |
| Net charge-offs to loans | 0.0241% | 4,349 |
| Credit loss provision to net charge-offs | 1,800.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 253 |
| Efficiency ratio | 54.5024% | 6,294 |
| Assets per employee ($millions) | 3.3074% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 3,771 |
| Loan loss allowance to noncurrent loans | 36.5236% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 2.6322% | 2,247 |
| Noncurrent loans to loans | 4.3454% | 1,371 |
| Net loans and leases to total assets | 54.0574% | 4,711 |
| Net loans and leases to deposits | 66.4122% | 4,316 |
| Net loans and leases to core deposits | 68.5540% | 4,620 |
| Total domestic deposits to total assets | 81.3969% | 5,495 |
| Equity capital to assets | 17.0107% | 426 |
| Core capital (leverage) ratio | 17.1368% | 347 |
| Tier 1 risk-based capital ratio | 29.7625% | 531 |
| Total risk-based capital ratio | 31.0145% | 521 |
| Memoranda: | ||
| Average total assets | $59,853,500 | 6,069 |
| Average earning assets | $53,333,000 | 6,089 |
| Average equity | $10,034,000 | 5,032 |
| Average total loans | $33,141,500 | 5,953 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4161% | 1,374 |
| Cost of funding earning assets | 1.4014% | 1,035 |
| Net interest margin | 4.0147% | 2,812 |
| Noninterest income to average assets | 0.4962% | 3,875 |
| Noninterest expense to average assets | 2.5274% | 5,367 |
| Loan and lease loss provision to assets | 0.2390% | 3,817 |
| Net operating income to assets | 1.0206% | 2,132 |
| Return on assets (ROA) | 1.0206% | 2,274 |
| Pretax return on assets | 1.3525% | 1,943 |
| Return on Equity (ROE) | 6.3074% | 3,735 |
| Retained earnings to average equity (ytd only) | 4.8511% | 2,751 |
| Net charge-offs to loans | 0.2944% | 3,938 |
| Credit loss provision to net charge-offs | 145.4545% | 1,974 |
| Earnings coverage of net charge-offs (x) | 9.6869% | 1,945 |
| Efficiency ratio | 61.3618% | 5,557 |
| Assets per employee ($millions) | 3.3430% | 5,395 |
| Cash dividends to net income (ytd only)* | 23.0894% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,269 |
| Loan loss allowance to noncurrent loans | 47.1790% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.1089% | 2,839 |
| Noncurrent loans to loans | 3.0612% | 2,120 |
| Net loans and leases to total assets | 55.0022% | 4,876 |
| Net loans and leases to deposits | 67.9805% | 4,454 |
| Net loans and leases to core deposits | 69.7778% | 4,808 |
| Total domestic deposits to total assets | 80.9087% | 5,477 |
| Equity capital to assets | 16.5204% | 511 |
| Core capital (leverage) ratio | 16.3937% | 423 |
| Tier 1 risk-based capital ratio | 28.4077% | 594 |
| Total risk-based capital ratio | 29.6594% | 584 |
| Memoranda: | ||
| Average total assets | $60,258,600 | 6,028 |
| Average earning assets | $54,375,400 | 6,031 |
| Average equity | $9,750,400 | 5,084 |
| Average total loans | $33,632,600 | 5,971 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4406% | 1,406 |
| Cost of funding earning assets | 1.4274% | 1,121 |
| Net interest margin | 4.0132% | 2,859 |
| Noninterest income to average assets | 0.4955% | 3,903 |
| Noninterest expense to average assets | 2.4485% | 5,632 |
| Loan and lease loss provision to assets | 0.2389% | 3,618 |
| Net operating income to assets | 1.0772% | 2,056 |
| Return on assets (ROA) | 1.0772% | 2,198 |
| Pretax return on assets | 1.4399% | 1,817 |
| Return on Equity (ROE) | 6.6921% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.6921% | 2,140 |
| Net charge-offs to loans | 0.2021% | 4,187 |
| Credit loss provision to net charge-offs | 211.7647% | 1,369 |
| Earnings coverage of net charge-offs (x) | 14.8819% | 1,505 |
| Efficiency ratio | 59.3248% | 5,825 |
| Assets per employee ($millions) | 3.3343% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 4,106 |
| Loan loss allowance to noncurrent loans | 52.5926% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.0094% | 3,129 |
| Noncurrent loans to loans | 2.8505% | 2,445 |
| Net loans and leases to total assets | 54.4096% | 5,107 |
| Net loans and leases to deposits | 66.4706% | 4,832 |
| Net loans and leases to core deposits | 68.2046% | 5,158 |
| Total domestic deposits to total assets | 81.8551% | 5,148 |
| Equity capital to assets | 16.5870% | 532 |
| Core capital (leverage) ratio | 16.2608% | 471 |
| Tier 1 risk-based capital ratio | 29.0725% | 595 |
| Total risk-based capital ratio | 30.3253% | 583 |
| Memoranda: | ||
| Average total assets | $60,279,750 | 6,077 |
| Average earning assets | $54,552,000 | 6,080 |
| Average equity | $9,702,750 | 5,123 |
| Average total loans | $33,645,250 | 6,032 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4391% | 1,450 |
| Cost of funding earning assets | 1.4678% | 1,126 |
| Net interest margin | 3.9714% | 2,984 |
| Noninterest income to average assets | 0.4506% | 4,279 |
| Noninterest expense to average assets | 2.4947% | 5,557 |
| Loan and lease loss provision to assets | 0.2385% | 3,532 |
| Net operating income to assets | 0.9906% | 2,268 |
| Return on assets (ROA) | 0.9906% | 2,369 |
| Pretax return on assets | 1.3120% | 2,098 |
| Return on Equity (ROE) | 6.2171% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.2171% | 2,284 |
| Net charge-offs to loans | 0.7394% | 2,026 |
| Credit loss provision to net charge-offs | 57.6000% | 4,405 |
| Earnings coverage of net charge-offs (x) | 3.7440% | 3,064 |
| Efficiency ratio | 61.6708% | 5,631 |
| Assets per employee ($millions) | 3.4451% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 5,767 |
| Loan loss allowance to noncurrent loans | 37.9784% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 1.9432% | 3,319 |
| Noncurrent loans to loans | 3.0251% | 2,397 |
| Net loans and leases to total assets | 53.6969% | 5,336 |
| Net loans and leases to deposits | 64.8654% | 5,170 |
| Net loans and leases to core deposits | 66.6360% | 5,429 |
| Total domestic deposits to total assets | 82.7821% | 4,858 |
| Equity capital to assets | 15.7504% | 649 |
| Core capital (leverage) ratio | 16.2259% | 477 |
| Tier 1 risk-based capital ratio | 27.8310% | 672 |
| Total risk-based capital ratio | 28.9337% | 666 |
| Memoranda: | ||
| Average total assets | $60,367,330 | 6,128 |
| Average earning assets | $54,641,330 | 6,125 |
| Average equity | $9,618,670 | 5,148 |
| Average total loans | $33,809,670 | 6,086 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5068% | 1,278 |
| Cost of funding earning assets | 1.5247% | 1,072 |
| Net interest margin | 3.9821% | 2,761 |
| Noninterest income to average assets | 0.4702% | 4,116 |
| Noninterest expense to average assets | 2.5124% | 5,511 |
| Loan and lease loss provision to assets | 0.2418% | 3,257 |
| Net operating income to assets | 1.0278% | 2,081 |
| Return on assets (ROA) | 1.0278% | 2,129 |
| Pretax return on assets | 1.3301% | 1,940 |
| Return on Equity (ROE) | 6.4121% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.4121% | 2,414 |
| Net charge-offs to loans | 0.1771% | 3,434 |
| Credit loss provision to net charge-offs | 240.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,310 |
| Efficiency ratio | 61.5132% | 5,758 |
| Assets per employee ($millions) | 3.1226% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,825 |
| Loan loss allowance to noncurrent loans | 37.2676% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 2.1321% | 3,145 |
| Noncurrent loans to loans | 3.6644% | 2,022 |
| Net loans and leases to total assets | 56.1200% | 4,974 |
| Net loans and leases to deposits | 68.1680% | 4,656 |
| Net loans and leases to core deposits | 70.1205% | 5,028 |
| Total domestic deposits to total assets | 82.3260% | 5,179 |
| Equity capital to assets | 16.2161% | 538 |
| Core capital (leverage) ratio | 16.1069% | 482 |
| Tier 1 risk-based capital ratio | 28.4780% | 607 |
| Total risk-based capital ratio | 29.7300% | 594 |
| Memoranda: | ||
| Average total assets | $59,545,500 | 6,195 |
| Average earning assets | $54,042,500 | 6,199 |
| Average equity | $9,544,500 | 5,160 |
| Average total loans | $33,872,000 | 6,131 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6074% | 1,866 |
| Cost of funding earning assets | 1.8052% | 1,154 |
| Net interest margin | 3.8022% | 3,937 |
| Noninterest income to average assets | 0.4724% | 4,368 |
| Noninterest expense to average assets | 2.4247% | 6,029 |
| Loan and lease loss provision to assets | 0.3313% | 4,167 |
| Net operating income to assets | 0.9090% | 2,347 |
| Return on assets (ROA) | 0.9090% | 2,489 |
| Pretax return on assets | 1.1843% | 2,275 |
| Return on Equity (ROE) | 5.7391% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.2909% | 2,837 |
| Net charge-offs to loans | 0.5616% | 3,370 |
| Credit loss provision to net charge-offs | 103.7234% | 4,337 |
| Earnings coverage of net charge-offs (x) | 4.7447% | 2,820 |
| Efficiency ratio | 61.5351% | 5,803 |
| Assets per employee ($millions) | 3.3201% | 5,387 |
| Cash dividends to net income (ytd only)* | 25.2336% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 5,032 |
| Loan loss allowance to noncurrent loans | 48.1928% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.6449% | 3,834 |
| Noncurrent loans to loans | 2.6863% | 2,833 |
| Net loans and leases to total assets | 56.1353% | 5,324 |
| Net loans and leases to deposits | 67.8306% | 5,121 |
| Net loans and leases to core deposits | 70.0487% | 5,439 |
| Total domestic deposits to total assets | 82.7580% | 4,906 |
| Equity capital to assets | 15.8431% | 610 |
| Core capital (leverage) ratio | 15.6989% | 545 |
| Tier 1 risk-based capital ratio | 27.6172% | 639 |
| Total risk-based capital ratio | 28.8685% | 624 |
| Memoranda: | ||
| Average total assets | $58,853,400 | 6,245 |
| Average earning assets | $53,679,200 | 6,227 |
| Average equity | $9,322,000 | 5,324 |
| Average total loans | $33,473,800 | 6,234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5784% | 2,148 |
| Cost of funding earning assets | 1.8297% | 1,305 |
| Net interest margin | 3.7488% | 4,191 |
| Noninterest income to average assets | 0.4685% | 4,426 |
| Noninterest expense to average assets | 2.3652% | 6,133 |
| Loan and lease loss provision to assets | 0.2047% | 5,007 |
| Net operating income to assets | 0.9938% | 2,255 |
| Return on assets (ROA) | 0.9938% | 2,373 |
| Pretax return on assets | 1.3282% | 2,097 |
| Return on Equity (ROE) | 6.2748% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.2748% | 2,217 |
| Net charge-offs to loans | 0.3559% | 3,879 |
| Credit loss provision to net charge-offs | 101.1236% | 4,269 |
| Earnings coverage of net charge-offs (x) | 7.5732% | 2,307 |
| Efficiency ratio | 60.6768% | 5,841 |
| Assets per employee ($millions) | 3.5665% | 4,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 5,042 |
| Loan loss allowance to noncurrent loans | 29.6854% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 2.4938% | 2,879 |
| Noncurrent loans to loans | 4.3288% | 1,680 |
| Net loans and leases to total assets | 54.9884% | 5,703 |
| Net loans and leases to deposits | 66.7949% | 5,571 |
| Net loans and leases to core deposits | 68.9527% | 5,848 |
| Total domestic deposits to total assets | 82.3242% | 4,865 |
| Equity capital to assets | 15.6768% | 734 |
| Core capital (leverage) ratio | 15.8129% | 588 |
| Tier 1 risk-based capital ratio | 27.3454% | 670 |
| Total risk-based capital ratio | 28.5940% | 661 |
| Memoranda: | ||
| Average total assets | $58,626,500 | 6,320 |
| Average earning assets | $53,633,750 | 6,291 |
| Average equity | $9,285,500 | 5,407 |
| Average total loans | $33,345,500 | 6,329 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 1,965 |
| Cost of funding earning assets | 1.8699% | 1,341 |
| Net interest margin | 3.7741% | 4,025 |
| Noninterest income to average assets | 0.4728% | 4,335 |
| Noninterest expense to average assets | 2.3672% | 6,158 |
| Loan and lease loss provision to assets | 0.2070% | 4,805 |
| Net operating income to assets | 1.0042% | 2,181 |
| Return on assets (ROA) | 1.0042% | 2,261 |
| Pretax return on assets | 1.3251% | 2,016 |
| Return on Equity (ROE) | 6.3176% | 3,638 |
| Retained earnings to average equity (ytd only) | 6.3176% | 2,157 |
| Net charge-offs to loans | 0.2349% | 4,198 |
| Credit loss provision to net charge-offs | 153.8462% | 2,553 |
| Earnings coverage of net charge-offs (x) | 11.3846% | 1,768 |
| Efficiency ratio | 60.7080% | 5,918 |
| Assets per employee ($millions) | 3.4777% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 4,543 |
| Loan loss allowance to noncurrent loans | 37.5207% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 2.2632% | 3,180 |
| Noncurrent loans to loans | 3.6720% | 2,134 |
| Net loans and leases to total assets | 54.9686% | 5,846 |
| Net loans and leases to deposits | 66.4431% | 5,753 |
| Net loans and leases to core deposits | 68.6278% | 6,005 |
| Total domestic deposits to total assets | 82.7303% | 4,679 |
| Equity capital to assets | 15.8302% | 699 |
| Core capital (leverage) ratio | 15.8721% | 581 |
| Tier 1 risk-based capital ratio | 26.9626% | 702 |
| Total risk-based capital ratio | 28.2130% | 688 |
| Memoranda: | ||
| Average total assets | $57,958,330 | 6,391 |
| Average earning assets | $52,622,000 | 6,382 |
| Average equity | $9,212,330 | 5,442 |
| Average total loans | $33,202,670 | 6,372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6743% | 1,871 |
| Cost of funding earning assets | 1.8812% | 1,530 |
| Net interest margin | 3.7931% | 3,823 |
| Noninterest income to average assets | 0.2440% | 6,205 |
| Noninterest expense to average assets | 2.2378% | 6,588 |
| Loan and lease loss provision to assets | 0.2091% | 4,411 |
| Net operating income to assets | 0.9899% | 2,224 |
| Return on assets (ROA) | 0.9899% | 2,287 |
| Pretax return on assets | 1.2409% | 2,235 |
| Return on Equity (ROE) | 6.2151% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.2151% | 2,518 |
| Net charge-offs to loans | 0.0360% | 5,077 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 69.3333% | 441 |
| Efficiency ratio | 60.6805% | 6,060 |
| Assets per employee ($millions) | 3.6090% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,535 |
| Loan loss allowance to noncurrent loans | 23.5535% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 3.7164% | 1,878 |
| Noncurrent loans to loans | 5.8440% | 1,142 |
| Net loans and leases to total assets | 57.0778% | 5,589 |
| Net loans and leases to deposits | 69.1370% | 5,453 |
| Net loans and leases to core deposits | 71.4465% | 5,778 |
| Total domestic deposits to total assets | 82.5575% | 4,821 |
| Equity capital to assets | 15.9497% | 679 |
| Core capital (leverage) ratio | 15.9447% | 594 |
| Tier 1 risk-based capital ratio | 25.9905% | 773 |
| Total risk-based capital ratio | 27.2407% | 759 |
| Memoranda: | ||
| Average total assets | $57,377,000 | 6,492 |
| Average earning assets | $52,094,500 | 6,472 |
| Average equity | $9,139,000 | 5,507 |
| Average total loans | $33,328,000 | 6,444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9653% | 2,006 |
| Cost of funding earning assets | 2.2547% | 1,821 |
| Net interest margin | 3.7106% | 4,089 |
| Noninterest income to average assets | 0.5898% | 3,707 |
| Noninterest expense to average assets | 2.5011% | 6,127 |
| Loan and lease loss provision to assets | 0.1915% | 5,811 |
| Net operating income to assets | 0.9830% | 1,900 |
| Return on assets (ROA) | 0.9830% | 1,951 |
| Pretax return on assets | 1.2959% | 1,706 |
| Return on Equity (ROE) | 6.4536% | 3,015 |
| Retained earnings to average equity (ytd only) | 4.9384% | 1,854 |
| Net charge-offs to loans | 0.3212% | 4,630 |
| Credit loss provision to net charge-offs | 103.7037% | 5,328 |
| Earnings coverage of net charge-offs (x) | 8.0556% | 2,015 |
| Efficiency ratio | 62.7090% | 6,018 |
| Assets per employee ($millions) | 3.3535% | 5,365 |
| Cash dividends to net income (ytd only)* | 23.4783% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,744 |
| Loan loss allowance to noncurrent loans | 40.9650% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1330% | 3,229 |
| Noncurrent loans to loans | 3.1802% | 2,404 |
| Net loans and leases to total assets | 57.5408% | 5,737 |
| Net loans and leases to deposits | 69.6934% | 5,644 |
| Net loans and leases to core deposits | 83.3520% | 5,787 |
| Total domestic deposits to total assets | 82.5627% | 4,719 |
| Equity capital to assets | 15.9060% | 711 |
| Core capital (leverage) ratio | 15.6685% | 665 |
| Tier 1 risk-based capital ratio | 25.9672% | 765 |
| Total risk-based capital ratio | 27.2071% | 750 |
| Memoranda: | ||
| Average total assets | $58,493,800 | 6,410 |
| Average earning assets | $53,576,400 | 6,391 |
| Average equity | $8,909,800 | 5,631 |
| Average total loans | $33,621,000 | 6,420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 2,136 |
| Cost of funding earning assets | 2.3072% | 1,957 |
| Net interest margin | 3.6664% | 4,217 |
| Noninterest income to average assets | 0.5934% | 3,762 |
| Noninterest expense to average assets | 2.3148% | 6,658 |
| Loan and lease loss provision to assets | 0.2039% | 5,358 |
| Net operating income to assets | 1.0691% | 1,832 |
| Return on assets (ROA) | 1.0691% | 1,882 |
| Pretax return on assets | 1.4474% | 1,572 |
| Return on Equity (ROE) | 7.0947% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.0947% | 1,466 |
| Net charge-offs to loans | 0.2096% | 4,727 |
| Credit loss provision to net charge-offs | 169.8113% | 2,745 |
| Earnings coverage of net charge-offs (x) | 13.7557% | 1,656 |
| Efficiency ratio | 58.3666% | 6,669 |
| Assets per employee ($millions) | 3.4204% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 4,109 |
| Loan loss allowance to noncurrent loans | 44.0038% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 3,464 |
| Noncurrent loans to loans | 3.1143% | 2,422 |
| Net loans and leases to total assets | 57.6789% | 5,932 |
| Net loans and leases to deposits | 69.7125% | 5,952 |
| Net loans and leases to core deposits | 84.5148% | 6,001 |
| Total domestic deposits to total assets | 82.7383% | 4,347 |
| Equity capital to assets | 15.6485% | 862 |
| Core capital (leverage) ratio | 15.4774% | 766 |
| Tier 1 risk-based capital ratio | 25.9786% | 819 |
| Total risk-based capital ratio | 27.2291% | 805 |
| Memoranda: | ||
| Average total assets | $58,864,750 | 6,429 |
| Average earning assets | $54,148,250 | 6,415 |
| Average equity | $8,870,250 | 5,694 |
| Average total loans | $33,717,000 | 6,464 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0279% | 2,063 |
| Cost of funding earning assets | 2.3736% | 2,065 |
| Net interest margin | 3.6543% | 4,146 |
| Noninterest income to average assets | 0.5516% | 4,026 |
| Noninterest expense to average assets | 2.1623% | 7,143 |
| Loan and lease loss provision to assets | 0.2030% | 5,025 |
| Net operating income to assets | 1.1268% | 1,676 |
| Return on assets (ROA) | 1.1268% | 1,759 |
| Pretax return on assets | 1.5464% | 1,337 |
| Return on Equity (ROE) | 7.5733% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.5733% | 1,365 |
| Net charge-offs to loans | 0.0833% | 5,374 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 36.9286% | 859 |
| Efficiency ratio | 55.2768% | 7,197 |
| Assets per employee ($millions) | 3.5294% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 3,737 |
| Loan loss allowance to noncurrent loans | 52.8365% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.6917% | 3,644 |
| Noncurrent loans to loans | 2.6449% | 2,737 |
| Net loans and leases to total assets | 55.8583% | 6,219 |
| Net loans and leases to deposits | 66.9149% | 6,305 |
| Net loans and leases to core deposits | 82.7490% | 6,178 |
| Total domestic deposits to total assets | 83.4767% | 4,025 |
| Equity capital to assets | 14.9350% | 1,043 |
| Core capital (leverage) ratio | 15.1105% | 896 |
| Tier 1 risk-based capital ratio | 25.3982% | 908 |
| Total risk-based capital ratio | 26.6481% | 887 |
| Memoranda: | ||
| Average total assets | $59,104,330 | 6,476 |
| Average earning assets | $54,347,330 | 6,452 |
| Average equity | $8,794,000 | 5,752 |
| Average total loans | $33,621,330 | 6,528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1624% | 1,721 |
| Cost of funding earning assets | 2.4055% | 2,268 |
| Net interest margin | 3.7568% | 3,627 |
| Noninterest income to average assets | 0.6137% | 3,444 |
| Noninterest expense to average assets | 2.2845% | 6,589 |
| Loan and lease loss provision to assets | 0.2046% | 4,406 |
| Net operating income to assets | 1.1320% | 1,859 |
| Return on assets (ROA) | 1.1320% | 1,979 |
| Pretax return on assets | 1.5753% | 1,471 |
| Return on Equity (ROE) | 7.6230% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.6230% | 1,965 |
| Net charge-offs to loans | 0.0239% | 5,216 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 333 |
| Efficiency ratio | 56.2081% | 6,945 |
| Assets per employee ($millions) | 3.4622% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,809 |
| Loan loss allowance to noncurrent loans | 57.1965% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 3,737 |
| Noncurrent loans to loans | 2.3573% | 2,797 |
| Net loans and leases to total assets | 56.8123% | 6,126 |
| Net loans and leases to deposits | 68.2784% | 6,156 |
| Net loans and leases to core deposits | 84.5911% | 6,017 |
| Total domestic deposits to total assets | 83.2068% | 4,045 |
| Equity capital to assets | 14.9413% | 1,117 |
| Core capital (leverage) ratio | 15.1204% | 940 |
| Tier 1 risk-based capital ratio | 25.1408% | 970 |
| Total risk-based capital ratio | 26.3901% | 946 |
| Memoranda: | ||
| Average total assets | $58,656,500 | 6,519 |
| Average earning assets | $53,875,500 | 6,507 |
| Average equity | $8,710,500 | 5,807 |
| Average total loans | $33,437,000 | 6,568 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4652% | 3,137 |
| Cost of funding earning assets | 2.8626% | 2,429 |
| Net interest margin | 3.6026% | 4,873 |
| Noninterest income to average assets | 0.4634% | 4,935 |
| Noninterest expense to average assets | 2.2783% | 6,763 |
| Loan and lease loss provision to assets | 0.2375% | 4,527 |
| Net operating income to assets | 0.9179% | 2,930 |
| Return on assets (ROA) | 0.9167% | 2,780 |
| Pretax return on assets | 1.2278% | 2,557 |
| Return on Equity (ROE) | 6.4668% | 3,772 |
| Retained earnings to average equity (ytd only) | 4.8737% | 2,098 |
| Net charge-offs to loans | 0.4089% | 2,775 |
| Credit loss provision to net charge-offs | 106.7669% | 5,027 |
| Earnings coverage of net charge-offs (x) | 6.5940% | 3,330 |
| Efficiency ratio | 60.8307% | 6,195 |
| Assets per employee ($millions) | 3.0766% | 5,844 |
| Cash dividends to net income (ytd only)* | 24.6350% | 4,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 3,774 |
| Loan loss allowance to noncurrent loans | 52.7675% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 1.5773% | 3,082 |
| Noncurrent loans to loans | 2.4652% | 2,217 |
| Net loans and leases to total assets | 55.6829% | 6,466 |
| Net loans and leases to deposits | 66.7405% | 6,590 |
| Net loans and leases to core deposits | 81.3791% | 6,507 |
| Total domestic deposits to total assets | 83.4320% | 3,599 |
| Equity capital to assets | 14.7581% | 1,228 |
| Core capital (leverage) ratio | 14.8836% | 1,063 |
| Tier 1 risk-based capital ratio | 24.6169% | 1,021 |
| Total risk-based capital ratio | 25.8411% | 1,003 |
| Memoranda: | ||
| Average total assets | $59,780,600 | 6,389 |
| Average earning assets | $54,461,200 | 6,389 |
| Average equity | $8,474,000 | 5,911 |
| Average total loans | $32,523,200 | 6,577 |