Home > The Baldwin State Bank > Performance and Condition Ratios
The Baldwin State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 3,897 |
| Cost of funding earning assets | 1.8232% | 2,671 |
| Net interest margin | 2.6501% | 3,706 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.2279% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6836% | 3,018 |
| Return on assets (ROA) | 0.6836% | 3,050 |
| Pretax return on assets | 0.7043% | 3,250 |
| Return on Equity (ROE) | 7.2400% | 2,953 |
| Retained earnings to average equity (ytd only) | 5.0505% | 2,225 |
| Net charge-offs to loans | -0.0360% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 75.9812% | 1,374 |
| Assets per employee ($millions) | 6.7391% | 2,343 |
| Cash dividends to net income (ytd only)* | 30.2158% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 1,438 |
| Loan loss allowance to noncurrent loans | 516.9355% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 2,856 |
| Noncurrent loans to loans | 0.2630% | 2,480 |
| Net loans and leases to total assets | 46.0100% | 3,814 |
| Net loans and leases to deposits | 53.7914% | 3,807 |
| Net loans and leases to core deposits | 55.5836% | 3,895 |
| Total domestic deposits to total assets | 85.5400% | 2,360 |
| Equity capital to assets | 9.7767% | 2,260 |
| Core capital (leverage) ratio | 10.3727% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $101,667,200 | 3,764 |
| Average earning assets | $97,957,600 | 3,712 |
| Average equity | $9,603,000 | 3,797 |
| Average total loans | $47,217,000 | 3,859 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 3,951 |
| Cost of funding earning assets | 1.8416% | 2,610 |
| Net interest margin | 2.5674% | 3,800 |
| Noninterest income to average assets | 0.3900% | 2,483 |
| Noninterest expense to average assets | 2.1398% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7019% | 2,978 |
| Return on assets (ROA) | 0.7019% | 3,004 |
| Pretax return on assets | 0.7229% | 3,203 |
| Return on Equity (ROE) | 7.5000% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.5595% | 2,631 |
| Net charge-offs to loans | -0.0480% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.7484% | 1,505 |
| Assets per employee ($millions) | 6.8589% | 2,235 |
| Cash dividends to net income (ytd only)* | 39.1791% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,308 |
| Loan loss allowance to noncurrent loans | 508.7302% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 2,880 |
| Noncurrent loans to loans | 0.2769% | 2,456 |
| Net loans and leases to total assets | 43.6100% | 3,917 |
| Net loans and leases to deposits | 49.4642% | 3,970 |
| Net loans and leases to core deposits | 50.8494% | 4,023 |
| Total domestic deposits to total assets | 88.1700% | 1,196 |
| Equity capital to assets | 10.0385% | 2,266 |
| Core capital (leverage) ratio | 9.9681% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $101,812,250 | 3,772 |
| Average earning assets | $98,100,250 | 3,728 |
| Average equity | $9,533,000 | 3,822 |
| Average total loans | $47,232,500 | 3,869 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 3,986 |
| Cost of funding earning assets | 1.8688% | 2,444 |
| Net interest margin | 2.4651% | 3,927 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.1645% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6032% | 3,174 |
| Return on assets (ROA) | 0.6032% | 3,209 |
| Pretax return on assets | 0.6032% | 3,442 |
| Return on Equity (ROE) | 6.6000% | 3,097 |
| Retained earnings to average equity (ytd only) | 2.0716% | 3,327 |
| Net charge-offs to loans | -0.1088% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 78.2051% | 1,269 |
| Assets per employee ($millions) | 7.4466% | 1,766 |
| Cash dividends to net income (ytd only)* | 68.6275% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,431 |
| Loan loss allowance to noncurrent loans | 487.2180% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,806 |
| Noncurrent loans to loans | 0.2843% | 2,353 |
| Net loans and leases to total assets | 44.2500% | 3,898 |
| Net loans and leases to deposits | 49.6022% | 3,963 |
| Net loans and leases to core deposits | 50.8107% | 4,025 |
| Total domestic deposits to total assets | 89.2100% | 937 |
| Equity capital to assets | 9.0616% | 2,694 |
| Core capital (leverage) ratio | 9.8190% | 2,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $101,455,000 | 3,793 |
| Average earning assets | $97,601,667 | 3,746 |
| Average equity | $9,268,000 | 3,826 |
| Average total loans | $47,806,333 | 3,870 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2700% | 3,998 |
| Cost of funding earning assets | 1.8460% | 2,377 |
| Net interest margin | 2.4240% | 3,973 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.2587% | 2,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4278% | 3,544 |
| Return on assets (ROA) | 0.4278% | 3,564 |
| Pretax return on assets | 0.4278% | 3,707 |
| Return on Equity (ROE) | 4.6600% | 3,528 |
| Retained earnings to average equity (ytd only) | -4.4888% | 4,106 |
| Net charge-offs to loans | -0.0083% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 84.0774% | 903 |
| Assets per employee ($millions) | 7.2711% | 1,912 |
| Cash dividends to net income (ytd only)* | 196.2617% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 1,815 |
| Loan loss allowance to noncurrent loans | 51.6556% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 452 |
| Noncurrent loans to loans | 2.4909% | 228 |
| Net loans and leases to total assets | 47.0300% | 3,762 |
| Net loans and leases to deposits | 52.6650% | 3,828 |
| Net loans and leases to core deposits | 53.8716% | 3,978 |
| Total domestic deposits to total assets | 89.3000% | 1,018 |
| Equity capital to assets | 8.9464% | 2,713 |
| Core capital (leverage) ratio | 9.9424% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $100,056,000 | 3,825 |
| Average earning assets | $96,206,000 | 3,775 |
| Average equity | $9,178,500 | 3,856 |
| Average total loans | $48,320,500 | 3,880 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7888% | 4,191 |
| Cost of funding earning assets | 1.3249% | 2,442 |
| Net interest margin | 2.4640% | 4,127 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.2419% | 3,001 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4770% | 3,719 |
| Return on assets (ROA) | 0.4800% | 3,709 |
| Pretax return on assets | 0.5005% | 3,807 |
| Return on Equity (ROE) | 5.3900% | 3,651 |
| Retained earnings to average equity (ytd only) | 2.9741% | 3,277 |
| Net charge-offs to loans | 0.2684% | 399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 3.7891% | 2,627 |
| Efficiency ratio | 81.8420% | 783 |
| Assets per employee ($millions) | 6.5545% | 2,382 |
| Cash dividends to net income (ytd only)* | 44.8718% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 1,590 |
| Loan loss allowance to noncurrent loans | 110.7692% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 928 |
| Noncurrent loans to loans | 1.2151% | 585 |
| Net loans and leases to total assets | 48.3100% | 3,710 |
| Net loans and leases to deposits | 54.3937% | 3,770 |
| Net loans and leases to core deposits | 55.5970% | 3,930 |
| Total domestic deposits to total assets | 88.8100% | 1,119 |
| Equity capital to assets | 9.4083% | 2,416 |
| Core capital (leverage) ratio | 10.4182% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $97,507,600 | 3,851 |
| Average earning assets | $92,614,000 | 3,815 |
| Average equity | $8,674,800 | 3,859 |
| Average total loans | $47,690,600 | 3,873 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6806% | 4,230 |
| Cost of funding earning assets | 1.2143% | 2,386 |
| Net interest margin | 2.4662% | 4,176 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.1759% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5469% | 3,670 |
| Return on assets (ROA) | 0.5508% | 3,647 |
| Pretax return on assets | 0.5782% | 3,774 |
| Return on Equity (ROE) | 6.2800% | 3,591 |
| Retained earnings to average equity (ytd only) | 3.0007% | 3,510 |
| Net charge-offs to loans | 0.0224% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 52.3750% | 1,286 |
| Efficiency ratio | 79.1231% | 916 |
| Assets per employee ($millions) | 6.6773% | 2,198 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 887 |
| Loan loss allowance to noncurrent loans | 90.6730% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 654 |
| Noncurrent loans to loans | 1.7627% | 376 |
| Net loans and leases to total assets | 47.2100% | 3,776 |
| Net loans and leases to deposits | 52.6495% | 3,854 |
| Net loans and leases to core deposits | 53.7746% | 3,946 |
| Total domestic deposits to total assets | 89.6700% | 1,025 |
| Equity capital to assets | 8.5963% | 2,667 |
| Core capital (leverage) ratio | 10.0940% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $97,305,250 | 3,865 |
| Average earning assets | $92,338,750 | 3,834 |
| Average equity | $8,531,000 | 3,875 |
| Average total loans | $47,577,250 | 3,885 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4978% | 4,349 |
| Cost of funding earning assets | 1.0531% | 2,444 |
| Net interest margin | 2.4448% | 4,266 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.1815% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5297% | 3,747 |
| Return on assets (ROA) | 0.5355% | 3,744 |
| Pretax return on assets | 0.5729% | 3,845 |
| Return on Equity (ROE) | 6.0700% | 3,675 |
| Retained earnings to average equity (ytd only) | 1.1288% | 3,890 |
| Net charge-offs to loans | 0.0337% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 34.1250% | 1,487 |
| Efficiency ratio | 79.3807% | 880 |
| Assets per employee ($millions) | 6.4937% | 2,295 |
| Cash dividends to net income (ytd only)* | 81.3953% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 988 |
| Loan loss allowance to noncurrent loans | 93.7576% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 600 |
| Noncurrent loans to loans | 1.6785% | 372 |
| Net loans and leases to total assets | 49.1800% | 3,607 |
| Net loans and leases to deposits | 54.9750% | 3,699 |
| Net loans and leases to core deposits | 56.0190% | 3,815 |
| Total domestic deposits to total assets | 89.4700% | 1,088 |
| Equity capital to assets | 8.7757% | 2,674 |
| Core capital (leverage) ratio | 10.5936% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $96,354,000 | 3,881 |
| Average earning assets | $91,542,667 | 3,850 |
| Average equity | $8,504,667 | 3,902 |
| Average total loans | $47,419,000 | 3,894 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 4,356 |
| Cost of funding earning assets | 0.9736% | 2,140 |
| Net interest margin | 2.4470% | 4,350 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.1455% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5438% | 3,801 |
| Return on assets (ROA) | 0.5593% | 3,739 |
| Pretax return on assets | 0.6011% | 3,836 |
| Return on Equity (ROE) | 6.3200% | 3,652 |
| Retained earnings to average equity (ytd only) | -3.5836% | 4,271 |
| Net charge-offs to loans | -0.0342% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.5933% | 948 |
| Assets per employee ($millions) | 6.1356% | 2,648 |
| Cash dividends to net income (ytd only)* | 156.7164% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 838 |
| Loan loss allowance to noncurrent loans | 87.0536% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9736% | 428 |
| Noncurrent loans to loans | 1.9377% | 298 |
| Net loans and leases to total assets | 49.3900% | 3,536 |
| Net loans and leases to deposits | 55.6072% | 3,589 |
| Net loans and leases to core deposits | 56.7271% | 3,706 |
| Total domestic deposits to total assets | 88.8300% | 1,603 |
| Equity capital to assets | 9.3368% | 2,269 |
| Core capital (leverage) ratio | 10.1726% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $95,828,500 | 3,942 |
| Average earning assets | $91,212,000 | 3,904 |
| Average equity | $8,483,000 | 3,954 |
| Average total loans | $46,791,500 | 3,949 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9299% | 4,213 |
| Cost of funding earning assets | 0.5065% | 1,342 |
| Net interest margin | 2.4235% | 4,347 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.0427% | 3,460 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.5486% | 3,991 |
| Return on assets (ROA) | 0.5486% | 3,956 |
| Pretax return on assets | 0.5838% | 4,057 |
| Return on Equity (ROE) | 6.2400% | 3,780 |
| Retained earnings to average equity (ytd only) | 4.2087% | 3,326 |
| Net charge-offs to loans | 0.0376% | 1,344 |
| Credit loss provision to net charge-offs | 1,316.6667% | 358 |
| Earnings coverage of net charge-offs (x) | 45.4444% | 1,429 |
| Efficiency ratio | 71.3083% | 1,524 |
| Assets per employee ($millions) | 6.6415% | 2,228 |
| Cash dividends to net income (ytd only)* | 32.6007% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 905 |
| Loan loss allowance to noncurrent loans | 85.6354% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 489 |
| Noncurrent loans to loans | 1.9116% | 298 |
| Net loans and leases to total assets | 46.7400% | 3,752 |
| Net loans and leases to deposits | 51.9900% | 3,801 |
| Net loans and leases to core deposits | 52.9441% | 3,870 |
| Total domestic deposits to total assets | 89.9100% | 1,404 |
| Equity capital to assets | 8.4047% | 2,771 |
| Core capital (leverage) ratio | 9.8976% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $99,526,600 | 3,933 |
| Average earning assets | $94,575,800 | 3,891 |
| Average equity | $8,743,800 | 4,017 |
| Average total loans | $47,905,000 | 3,925 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8078% | 4,185 |
| Cost of funding earning assets | 0.4180% | 1,171 |
| Net interest margin | 2.3898% | 4,338 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 1.9242% | 3,689 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9206% | 2,790 |
| Return on assets (ROA) | 0.9206% | 2,759 |
| Pretax return on assets | 0.9634% | 3,127 |
| Return on Equity (ROE) | 10.3700% | 2,619 |
| Retained earnings to average equity (ytd only) | 7.6499% | 2,133 |
| Net charge-offs to loans | 0.0583% | 896 |
| Credit loss provision to net charge-offs | 47.6190% | 1,531 |
| Earnings coverage of net charge-offs (x) | 34.7143% | 1,448 |
| Efficiency ratio | 66.3279% | 2,236 |
| Assets per employee ($millions) | 6.6311% | 2,215 |
| Cash dividends to net income (ytd only)* | 26.2009% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 2,759 |
| Loan loss allowance to noncurrent loans | 60.1105% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 519 |
| Noncurrent loans to loans | 1.9260% | 315 |
| Net loans and leases to total assets | 46.6900% | 3,721 |
| Net loans and leases to deposits | 51.8869% | 3,739 |
| Net loans and leases to core deposits | 53.4551% | 3,779 |
| Total domestic deposits to total assets | 89.9900% | 1,669 |
| Equity capital to assets | 8.3214% | 2,663 |
| Core capital (leverage) ratio | 9.8067% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $99,502,500 | 3,959 |
| Average earning assets | $94,733,750 | 3,914 |
| Average equity | $8,836,500 | 4,054 |
| Average total loans | $48,045,500 | 3,945 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6879% | 4,158 |
| Cost of funding earning assets | 0.3181% | 1,543 |
| Net interest margin | 2.3698% | 4,260 |
| Noninterest income to average assets | 0.7155% | 1,273 |
| Noninterest expense to average assets | 1.8630% | 3,802 |
| Loan and lease loss provision to assets | 0.0201% | 2,241 |
| Net operating income to assets | 1.0390% | 2,022 |
| Return on assets (ROA) | 1.0390% | 1,993 |
| Pretax return on assets | 1.0933% | 2,434 |
| Return on Equity (ROE) | 11.4596% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.4698% | 1,827 |
| Net charge-offs to loans | 0.0744% | 715 |
| Credit loss provision to net charge-offs | 55.5556% | 1,471 |
| Earnings coverage of net charge-offs (x) | 30.7778% | 1,376 |
| Efficiency ratio | 62.5928% | 2,969 |
| Assets per employee ($millions) | 6.2879% | 2,489 |
| Cash dividends to net income (ytd only)* | 34.8162% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 3,041 |
| Loan loss allowance to noncurrent loans | 186.1017% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 1,830 |
| Noncurrent loans to loans | 0.6068% | 1,395 |
| Net loans and leases to total assets | 47.7745% | 3,570 |
| Net loans and leases to deposits | 53.3026% | 3,586 |
| Net loans and leases to core deposits | 55.0801% | 3,639 |
| Total domestic deposits to total assets | 89.6288% | 1,886 |
| Equity capital to assets | 8.7013% | 2,613 |
| Core capital (leverage) ratio | 9.7160% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,514,667 | 3,997 |
| Average earning assets | $94,943,667 | 3,961 |
| Average equity | $9,023,000 | 4,101 |
| Average total loans | $48,397,667 | 3,986 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5554% | 4,191 |
| Cost of funding earning assets | 0.2949% | 1,699 |
| Net interest margin | 2.2606% | 4,287 |
| Noninterest income to average assets | 0.3435% | 3,038 |
| Noninterest expense to average assets | 1.9804% | 3,479 |
| Loan and lease loss provision to assets | 0.0404% | 1,629 |
| Net operating income to assets | 0.4608% | 3,812 |
| Return on assets (ROA) | 0.4608% | 3,775 |
| Pretax return on assets | 0.4608% | 3,933 |
| Return on Equity (ROE) | 4.9795% | 3,631 |
| Retained earnings to average equity (ytd only) | -2.8829% | 4,303 |
| Net charge-offs to loans | 0.0828% | 588 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,413 |
| Efficiency ratio | 79.8046% | 1,167 |
| Assets per employee ($millions) | 7.2004% | 1,859 |
| Cash dividends to net income (ytd only)* | 157.8947% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,090 |
| Loan loss allowance to noncurrent loans | 150.5405% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 1,641 |
| Noncurrent loans to loans | 0.7650% | 1,248 |
| Net loans and leases to total assets | 47.4277% | 3,445 |
| Net loans and leases to deposits | 52.8568% | 3,503 |
| Net loans and leases to core deposits | 53.9927% | 3,591 |
| Total domestic deposits to total assets | 89.7288% | 1,704 |
| Equity capital to assets | 8.6225% | 3,055 |
| Core capital (leverage) ratio | 9.2151% | 3,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,969,000 | 4,016 |
| Average earning assets | $93,605,000 | 3,991 |
| Average equity | $9,157,500 | 4,143 |
| Average total loans | $48,290,000 | 4,000 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8746% | 4,097 |
| Cost of funding earning assets | 0.3371% | 2,051 |
| Net interest margin | 2.5375% | 4,141 |
| Noninterest income to average assets | 0.4078% | 3,007 |
| Noninterest expense to average assets | 2.1234% | 3,326 |
| Loan and lease loss provision to assets | 0.0991% | 1,259 |
| Net operating income to assets | 0.5636% | 3,950 |
| Return on assets (ROA) | 0.5636% | 3,998 |
| Pretax return on assets | 0.5863% | 4,130 |
| Return on Equity (ROE) | 5.6704% | 3,849 |
| Retained earnings to average equity (ytd only) | 3.4271% | 3,439 |
| Net charge-offs to loans | 0.2092% | 453 |
| Credit loss provision to net charge-offs | 95.0495% | 1,851 |
| Earnings coverage of net charge-offs (x) | 6.5743% | 2,389 |
| Efficiency ratio | 75.5972% | 1,141 |
| Assets per employee ($millions) | 6.0708% | 2,693 |
| Cash dividends to net income (ytd only)* | 39.5604% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,113 |
| Loan loss allowance to noncurrent loans | 178.7781% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 1,958 |
| Noncurrent loans to loans | 0.6451% | 1,546 |
| Net loans and leases to total assets | 49.0642% | 3,398 |
| Net loans and leases to deposits | 55.5203% | 3,466 |
| Net loans and leases to core deposits | 57.4686% | 3,519 |
| Total domestic deposits to total assets | 88.3715% | 1,844 |
| Equity capital to assets | 9.9071% | 2,745 |
| Core capital (leverage) ratio | 9.2168% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,871,400 | 4,026 |
| Average earning assets | $91,663,600 | 3,996 |
| Average equity | $9,629,000 | 4,178 |
| Average total loans | $48,281,000 | 4,033 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9438% | 4,096 |
| Cost of funding earning assets | 0.3458% | 2,160 |
| Net interest margin | 2.5980% | 4,132 |
| Noninterest income to average assets | 0.4325% | 2,916 |
| Noninterest expense to average assets | 2.0466% | 3,535 |
| Loan and lease loss provision to assets | 0.1198% | 986 |
| Net operating income to assets | 0.6997% | 3,767 |
| Return on assets (ROA) | 0.6997% | 3,833 |
| Pretax return on assets | 0.7286% | 4,016 |
| Return on Equity (ROE) | 7.0330% | 3,658 |
| Retained earnings to average equity (ytd only) | 4.0426% | 3,568 |
| Net charge-offs to loans | 0.2788% | 290 |
| Credit loss provision to net charge-offs | 86.1386% | 1,684 |
| Earnings coverage of net charge-offs (x) | 6.0990% | 2,194 |
| Efficiency ratio | 70.6946% | 1,529 |
| Assets per employee ($millions) | 6.3126% | 2,410 |
| Cash dividends to net income (ytd only)* | 42.5197% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 3,314 |
| Loan loss allowance to noncurrent loans | 122.0982% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 1,704 |
| Noncurrent loans to loans | 0.9217% | 1,247 |
| Net loans and leases to total assets | 47.5802% | 3,664 |
| Net loans and leases to deposits | 53.6500% | 3,770 |
| Net loans and leases to core deposits | 55.6112% | 3,803 |
| Total domestic deposits to total assets | 88.6864% | 1,469 |
| Equity capital to assets | 9.6572% | 3,240 |
| Core capital (leverage) ratio | 9.4864% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,806,250 | 4,071 |
| Average earning assets | $91,761,500 | 4,044 |
| Average equity | $9,630,500 | 4,234 |
| Average total loans | $48,298,000 | 4,083 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1488% | 3,771 |
| Cost of funding earning assets | 0.3676% | 2,157 |
| Net interest margin | 2.7812% | 3,824 |
| Noninterest income to average assets | 0.3983% | 3,114 |
| Noninterest expense to average assets | 2.0397% | 3,578 |
| Loan and lease loss provision to assets | 0.0608% | 1,823 |
| Net operating income to assets | 0.8993% | 3,222 |
| Return on assets (ROA) | 0.8993% | 3,302 |
| Pretax return on assets | 0.9307% | 3,596 |
| Return on Equity (ROE) | 8.9474% | 3,109 |
| Retained earnings to average equity (ytd only) | 4.4424% | 3,382 |
| Net charge-offs to loans | 0.4108% | 202 |
| Credit loss provision to net charge-offs | 29.2929% | 1,705 |
| Earnings coverage of net charge-offs (x) | 4.7778% | 2,017 |
| Efficiency ratio | 67.2891% | 1,970 |
| Assets per employee ($millions) | 6.5005% | 2,170 |
| Cash dividends to net income (ytd only)* | 50.3497% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,810 |
| Loan loss allowance to noncurrent loans | 139.4886% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 2,159 |
| Noncurrent loans to loans | 0.7191% | 1,642 |
| Net loans and leases to total assets | 49.6959% | 3,583 |
| Net loans and leases to deposits | 55.6318% | 3,737 |
| Net loans and leases to core deposits | 57.7165% | 3,779 |
| Total domestic deposits to total assets | 89.3300% | 1,123 |
| Equity capital to assets | 9.9613% | 2,886 |
| Core capital (leverage) ratio | 9.6106% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,407,667 | 4,116 |
| Average earning assets | $90,319,333 | 4,085 |
| Average equity | $9,589,333 | 4,253 |
| Average total loans | $48,196,000 | 4,115 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0731% | 3,941 |
| Cost of funding earning assets | 0.4022% | 2,076 |
| Net interest margin | 2.6709% | 4,024 |
| Noninterest income to average assets | 0.3985% | 3,094 |
| Noninterest expense to average assets | 2.2128% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6910% | 3,729 |
| Return on assets (ROA) | 0.6910% | 3,796 |
| Pretax return on assets | 0.6910% | 4,038 |
| Return on Equity (ROE) | 6.8433% | 3,643 |
| Retained earnings to average equity (ytd only) | -2.2251% | 4,554 |
| Net charge-offs to loans | 0.0167% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 81.5000% | 695 |
| Efficiency ratio | 76.2044% | 1,116 |
| Assets per employee ($millions) | 6.0848% | 2,515 |
| Cash dividends to net income (ytd only)* | 132.5153% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,145 |
| Loan loss allowance to noncurrent loans | 61.8363% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 902 |
| Noncurrent loans to loans | 1.8769% | 601 |
| Net loans and leases to total assets | 48.8989% | 3,720 |
| Net loans and leases to deposits | 54.5965% | 3,900 |
| Net loans and leases to core deposits | 56.6381% | 3,932 |
| Total domestic deposits to total assets | 89.5641% | 1,043 |
| Equity capital to assets | 9.6984% | 3,001 |
| Core capital (leverage) ratio | 9.9358% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,358,000 | 4,137 |
| Average earning assets | $88,511,000 | 4,117 |
| Average equity | $9,527,500 | 4,270 |
| Average total loans | $47,820,000 | 4,143 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 4,230 |
| Cost of funding earning assets | 0.5005% | 2,941 |
| Net interest margin | 2.8750% | 4,152 |
| Noninterest income to average assets | 0.4439% | 2,896 |
| Noninterest expense to average assets | 2.1978% | 3,669 |
| Loan and lease loss provision to assets | 0.0767% | 3,422 |
| Net operating income to assets | 0.8535% | 2,888 |
| Return on assets (ROA) | 0.8535% | 3,026 |
| Pretax return on assets | 0.8901% | 3,392 |
| Return on Equity (ROE) | 8.0718% | 2,787 |
| Retained earnings to average equity (ytd only) | 5.7996% | 1,902 |
| Net charge-offs to loans | 0.0115% | 2,917 |
| Credit loss provision to net charge-offs | 1,340.0000% | 625 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 521 |
| Efficiency ratio | 69.4505% | 2,028 |
| Assets per employee ($millions) | 6.0907% | 2,261 |
| Cash dividends to net income (ytd only)* | 28.1501% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 3,045 |
| Loan loss allowance to noncurrent loans | 138.8614% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 2,257 |
| Noncurrent loans to loans | 0.8510% | 1,660 |
| Net loans and leases to total assets | 51.3507% | 3,718 |
| Net loans and leases to deposits | 57.9149% | 3,895 |
| Net loans and leases to core deposits | 60.2497% | 3,931 |
| Total domestic deposits to total assets | 88.6657% | 1,134 |
| Equity capital to assets | 10.5221% | 2,654 |
| Core capital (leverage) ratio | 9.6555% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,404,000 | 4,150 |
| Average earning assets | $82,714,200 | 4,123 |
| Average equity | $9,242,000 | 4,280 |
| Average total loans | $43,652,200 | 4,238 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 4,212 |
| Cost of funding earning assets | 0.5294% | 3,053 |
| Net interest margin | 2.9716% | 4,043 |
| Noninterest income to average assets | 0.4521% | 2,840 |
| Noninterest expense to average assets | 2.0999% | 3,945 |
| Loan and lease loss provision to assets | 0.0405% | 3,843 |
| Net operating income to assets | 1.1047% | 1,968 |
| Return on assets (ROA) | 1.1047% | 2,092 |
| Pretax return on assets | 1.1356% | 2,622 |
| Return on Equity (ROE) | 10.4341% | 1,862 |
| Retained earnings to average equity (ytd only) | 7.3738% | 1,552 |
| Net charge-offs to loans | 0.0219% | 2,416 |
| Credit loss provision to net charge-offs | 371.4286% | 1,544 |
| Earnings coverage of net charge-offs (x) | 108.8571% | 748 |
| Efficiency ratio | 64.1074% | 2,713 |
| Assets per employee ($millions) | 5.5078% | 2,704 |
| Cash dividends to net income (ytd only)* | 29.3296% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,151 |
| Loan loss allowance to noncurrent loans | 161.5625% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 2,695 |
| Noncurrent loans to loans | 0.6873% | 2,071 |
| Net loans and leases to total assets | 52.2485% | 3,952 |
| Net loans and leases to deposits | 59.1993% | 4,111 |
| Net loans and leases to core deposits | 60.9854% | 4,156 |
| Total domestic deposits to total assets | 88.2587% | 1,084 |
| Equity capital to assets | 10.9084% | 2,472 |
| Core capital (leverage) ratio | 10.0885% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,415,000 | 4,168 |
| Average earning assets | $82,109,750 | 4,132 |
| Average equity | $9,149,250 | 4,309 |
| Average total loans | $42,696,500 | 4,285 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 4,127 |
| Cost of funding earning assets | 0.5712% | 3,121 |
| Net interest margin | 3.1085% | 3,886 |
| Noninterest income to average assets | 0.4683% | 2,722 |
| Noninterest expense to average assets | 2.1154% | 3,994 |
| Loan and lease loss provision to assets | 0.0233% | 3,956 |
| Net operating income to assets | 1.2371% | 1,523 |
| Return on assets (ROA) | 1.2371% | 1,642 |
| Pretax return on assets | 1.2837% | 2,091 |
| Return on Equity (ROE) | 11.8070% | 1,380 |
| Retained earnings to average equity (ytd only) | 7.1376% | 1,601 |
| Net charge-offs to loans | 0.0290% | 2,140 |
| Credit loss provision to net charge-offs | 166.6667% | 2,046 |
| Earnings coverage of net charge-offs (x) | 93.5000% | 725 |
| Efficiency ratio | 61.8108% | 3,155 |
| Assets per employee ($millions) | 5.7633% | 2,405 |
| Cash dividends to net income (ytd only)* | 39.5480% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 2,994 |
| Loan loss allowance to noncurrent loans | 165.6766% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 2,994 |
| Noncurrent loans to loans | 0.6705% | 2,189 |
| Net loans and leases to total assets | 48.4655% | 4,235 |
| Net loans and leases to deposits | 54.4673% | 4,360 |
| Net loans and leases to core deposits | 56.0206% | 4,432 |
| Total domestic deposits to total assets | 88.9808% | 752 |
| Equity capital to assets | 10.2015% | 3,019 |
| Core capital (leverage) ratio | 9.9274% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,845,000 | 4,181 |
| Average earning assets | $81,584,000 | 4,147 |
| Average equity | $8,994,667 | 4,339 |
| Average total loans | $41,408,333 | 4,327 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6044% | 4,517 |
| Cost of funding earning assets | 0.7045% | 2,914 |
| Net interest margin | 2.8999% | 4,431 |
| Noninterest income to average assets | 0.5662% | 2,201 |
| Noninterest expense to average assets | 2.2985% | 3,775 |
| Loan and lease loss provision to assets | 0.0484% | 3,173 |
| Net operating income to assets | 0.9678% | 2,290 |
| Return on assets (ROA) | 0.9678% | 2,394 |
| Pretax return on assets | 0.9678% | 2,943 |
| Return on Equity (ROE) | 9.1028% | 2,072 |
| Retained earnings to average equity (ytd only) | -0.4551% | 4,065 |
| Net charge-offs to loans | 0.0101% | 2,214 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 333 |
| Efficiency ratio | 69.3431% | 2,457 |
| Assets per employee ($millions) | 5.1987% | 2,426 |
| Cash dividends to net income (ytd only)* | 105.0000% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,225 |
| Loan loss allowance to noncurrent loans | 147.6608% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 2,813 |
| Noncurrent loans to loans | 0.8689% | 1,875 |
| Net loans and leases to total assets | 46.7125% | 4,392 |
| Net loans and leases to deposits | 52.7964% | 4,494 |
| Net loans and leases to core deposits | 54.6791% | 4,543 |
| Total domestic deposits to total assets | 88.4767% | 894 |
| Equity capital to assets | 10.6241% | 3,210 |
| Core capital (leverage) ratio | 10.5508% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5544% | 371 |
| Memoranda: | ||
| Average total assets | $82,661,500 | 4,229 |
| Average earning assets | $78,348,000 | 4,199 |
| Average equity | $8,788,500 | 4,388 |
| Average total loans | $39,516,000 | 4,385 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 4,706 |
| Cost of funding earning assets | 0.8159% | 2,608 |
| Net interest margin | 2.8568% | 4,705 |
| Noninterest income to average assets | 0.5715% | 2,363 |
| Noninterest expense to average assets | 2.4190% | 3,636 |
| Loan and lease loss provision to assets | 0.3058% | 544 |
| Net operating income to assets | 0.5477% | 4,294 |
| Return on assets (ROA) | 0.5477% | 4,354 |
| Pretax return on assets | 0.5590% | 4,475 |
| Return on Equity (ROE) | 5.1919% | 4,162 |
| Retained earnings to average equity (ytd only) | 2.3405% | 3,854 |
| Net charge-offs to loans | 1.0868% | 145 |
| Credit loss provision to net charge-offs | 60.3960% | 3,031 |
| Earnings coverage of net charge-offs (x) | 1.7079% | 3,504 |
| Efficiency ratio | 73.6641% | 1,646 |
| Assets per employee ($millions) | 5.1340% | 2,414 |
| Cash dividends to net income (ytd only)* | 54.9199% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,141 |
| Loan loss allowance to noncurrent loans | 79.5527% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 1,699 |
| Noncurrent loans to loans | 1.5779% | 892 |
| Net loans and leases to total assets | 47.6894% | 4,444 |
| Net loans and leases to deposits | 53.9238% | 4,536 |
| Net loans and leases to core deposits | 55.6544% | 4,598 |
| Total domestic deposits to total assets | 88.4386% | 918 |
| Equity capital to assets | 10.6399% | 3,319 |
| Core capital (leverage) ratio | 10.7244% | 2,738 |
| Tier 1 risk-based capital ratio | 24.3601% | 800 |
| Total risk-based capital ratio | 25.6116% | 781 |
| Memoranda: | ||
| Average total assets | $79,784,600 | 4,290 |
| Average earning assets | $75,748,400 | 4,258 |
| Average equity | $8,417,000 | 4,458 |
| Average total loans | $37,173,600 | 4,474 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6878% | 4,794 |
| Cost of funding earning assets | 0.8510% | 2,463 |
| Net interest margin | 2.8368% | 4,825 |
| Noninterest income to average assets | 0.5775% | 2,322 |
| Noninterest expense to average assets | 2.3402% | 3,851 |
| Loan and lease loss provision to assets | 0.4108% | 321 |
| Net operating income to assets | 0.5084% | 4,499 |
| Return on assets (ROA) | 0.5084% | 4,547 |
| Pretax return on assets | 0.5202% | 4,671 |
| Return on Equity (ROE) | 4.8302% | 4,371 |
| Retained earnings to average equity (ytd only) | 0.9916% | 4,571 |
| Net charge-offs to loans | 1.4774% | 89 |
| Credit loss provision to net charge-offs | 60.2469% | 2,705 |
| Earnings coverage of net charge-offs (x) | 1.3654% | 3,301 |
| Efficiency ratio | 71.5389% | 1,896 |
| Assets per employee ($millions) | 4.8813% | 2,686 |
| Cash dividends to net income (ytd only)* | 79.4690% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 1,739 |
| Loan loss allowance to noncurrent loans | 68.0764% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9385% | 1,439 |
| Noncurrent loans to loans | 1.9910% | 679 |
| Net loans and leases to total assets | 46.5006% | 4,579 |
| Net loans and leases to deposits | 52.8332% | 4,678 |
| Net loans and leases to core deposits | 55.4610% | 4,705 |
| Total domestic deposits to total assets | 88.0141% | 1,031 |
| Equity capital to assets | 11.0179% | 3,089 |
| Core capital (leverage) ratio | 10.8845% | 2,753 |
| Tier 1 risk-based capital ratio | 26.8632% | 655 |
| Total risk-based capital ratio | 28.1183% | 639 |
| Memoranda: | ||
| Average total assets | $79,194,750 | 4,359 |
| Average earning assets | $75,201,250 | 4,320 |
| Average equity | $8,336,250 | 4,519 |
| Average total loans | $36,549,000 | 4,547 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,884 |
| Cost of funding earning assets | 0.8820% | 2,232 |
| Net interest margin | 2.7656% | 4,953 |
| Noninterest income to average assets | 0.5832% | 2,231 |
| Noninterest expense to average assets | 2.3781% | 3,794 |
| Loan and lease loss provision to assets | 0.0855% | 2,137 |
| Net operating income to assets | 0.7139% | 3,956 |
| Return on assets (ROA) | 0.7139% | 4,015 |
| Pretax return on assets | 0.7366% | 4,245 |
| Return on Equity (ROE) | 6.8876% | 3,720 |
| Retained earnings to average equity (ytd only) | 1.0671% | 4,416 |
| Net charge-offs to loans | 0.7296% | 199 |
| Credit loss provision to net charge-offs | 25.5639% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.4586% | 2,942 |
| Efficiency ratio | 74.3126% | 1,607 |
| Assets per employee ($millions) | 4.9934% | 2,486 |
| Cash dividends to net income (ytd only)* | 84.5070% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 1,301 |
| Loan loss allowance to noncurrent loans | 51.3315% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.3630% | 891 |
| Noncurrent loans to loans | 2.9065% | 360 |
| Net loans and leases to total assets | 46.1969% | 4,638 |
| Net loans and leases to deposits | 52.3020% | 4,729 |
| Net loans and leases to core deposits | 54.8327% | 4,754 |
| Total domestic deposits to total assets | 88.3272% | 954 |
| Equity capital to assets | 10.7128% | 3,335 |
| Core capital (leverage) ratio | 10.7667% | 2,821 |
| Tier 1 risk-based capital ratio | 25.0502% | 751 |
| Total risk-based capital ratio | 26.3058% | 735 |
| Memoranda: | ||
| Average total assets | $79,559,670 | 4,379 |
| Average earning assets | $75,282,670 | 4,349 |
| Average equity | $8,246,670 | 4,550 |
| Average total loans | $36,460,000 | 4,581 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,965 |
| Cost of funding earning assets | 0.9402% | 1,833 |
| Net interest margin | 2.6657% | 5,090 |
| Noninterest income to average assets | 0.5542% | 2,265 |
| Noninterest expense to average assets | 2.5040% | 3,497 |
| Loan and lease loss provision to assets | 0.0151% | 3,238 |
| Net operating income to assets | 0.5693% | 4,339 |
| Return on assets (ROA) | 0.5693% | 4,365 |
| Pretax return on assets | 0.5492% | 4,597 |
| Return on Equity (ROE) | 5.5868% | 4,161 |
| Retained earnings to average equity (ytd only) | -6.2790% | 4,985 |
| Net charge-offs to loans | 1.4907% | 80 |
| Credit loss provision to net charge-offs | 2.2388% | 2,207 |
| Earnings coverage of net charge-offs (x) | 0.8358% | 2,642 |
| Efficiency ratio | 81.6092% | 911 |
| Assets per employee ($millions) | 4.9897% | 2,533 |
| Cash dividends to net income (ytd only)* | 212.3894% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,317 |
| Loan loss allowance to noncurrent loans | 46.7257% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.4154% | 875 |
| Noncurrent loans to loans | 3.2251% | 312 |
| Net loans and leases to total assets | 43.2267% | 4,774 |
| Net loans and leases to deposits | 48.6817% | 4,864 |
| Net loans and leases to core deposits | 51.0541% | 4,859 |
| Total domestic deposits to total assets | 88.7944% | 960 |
| Equity capital to assets | 10.2374% | 3,586 |
| Core capital (leverage) ratio | 10.1838% | 3,408 |
| Tier 1 risk-based capital ratio | 24.8575% | 767 |
| Total risk-based capital ratio | 26.1116% | 758 |
| Memoranda: | ||
| Average total assets | $79,392,000 | 4,423 |
| Average earning assets | $74,877,500 | 4,393 |
| Average equity | $8,090,500 | 4,609 |
| Average total loans | $35,956,000 | 4,640 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 4,971 |
| Cost of funding earning assets | 0.6082% | 2,659 |
| Net interest margin | 2.8362% | 4,987 |
| Noninterest income to average assets | 0.5888% | 2,356 |
| Noninterest expense to average assets | 2.4189% | 3,834 |
| Loan and lease loss provision to assets | 0.0117% | 3,903 |
| Net operating income to assets | 0.8215% | 3,725 |
| Return on assets (ROA) | 0.8215% | 3,726 |
| Pretax return on assets | 0.8553% | 4,026 |
| Return on Equity (ROE) | 8.1709% | 3,365 |
| Retained earnings to average equity (ytd only) | 5.4559% | 2,503 |
| Net charge-offs to loans | -0.0600% | 5,027 |
| Credit loss provision to net charge-offs | -42.8571% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6155% | 1,681 |
| Assets per employee ($millions) | 4.9343% | 2,580 |
| Cash dividends to net income (ytd only)* | 33.2278% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 698 |
| Loan loss allowance to noncurrent loans | 147.4273% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5662% | 2,343 |
| Noncurrent loans to loans | 1.2122% | 1,319 |
| Net loans and leases to total assets | 45.8714% | 4,743 |
| Net loans and leases to deposits | 51.6472% | 4,831 |
| Net loans and leases to core deposits | 55.3704% | 4,799 |
| Total domestic deposits to total assets | 88.8168% | 941 |
| Equity capital to assets | 10.1433% | 3,531 |
| Core capital (leverage) ratio | 10.9077% | 2,618 |
| Tier 1 risk-based capital ratio | 25.4188% | 717 |
| Total risk-based capital ratio | 26.6767% | 702 |
| Memoranda: | ||
| Average total assets | $76,936,200 | 4,486 |
| Average earning assets | $73,160,800 | 4,436 |
| Average equity | $7,734,800 | 4,642 |
| Average total loans | $34,997,000 | 4,684 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4027% | 5,033 |
| Cost of funding earning assets | 0.5573% | 2,809 |
| Net interest margin | 2.8454% | 5,040 |
| Noninterest income to average assets | 0.5983% | 2,318 |
| Noninterest expense to average assets | 2.3637% | 3,939 |
| Loan and lease loss provision to assets | 0.0157% | 3,700 |
| Net operating income to assets | 0.8862% | 3,596 |
| Return on assets (ROA) | 0.8862% | 3,597 |
| Pretax return on assets | 0.9263% | 3,932 |
| Return on Equity (ROE) | 8.8348% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.2174% | 3,109 |
| Net charge-offs to loans | -0.0657% | 5,033 |
| Credit loss provision to net charge-offs | -52.9412% | 4,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5040% | 1,960 |
| Assets per employee ($millions) | 4.7107% | 2,833 |
| Cash dividends to net income (ytd only)* | 40.9452% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8587% | 648 |
| Loan loss allowance to noncurrent loans | 77.8173% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.1185% | 1,276 |
| Noncurrent loans to loans | 2.3886% | 565 |
| Net loans and leases to total assets | 45.9553% | 4,805 |
| Net loans and leases to deposits | 51.7743% | 4,891 |
| Net loans and leases to core deposits | 55.2865% | 4,863 |
| Total domestic deposits to total assets | 88.7609% | 929 |
| Equity capital to assets | 10.1856% | 3,469 |
| Core capital (leverage) ratio | 10.7816% | 2,815 |
| Tier 1 risk-based capital ratio | 25.9145% | 686 |
| Total risk-based capital ratio | 27.1754% | 673 |
| Memoranda: | ||
| Average total assets | $76,433,000 | 4,537 |
| Average earning assets | $72,724,250 | 4,489 |
| Average equity | $7,666,500 | 4,701 |
| Average total loans | $34,527,750 | 4,750 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3166% | 5,126 |
| Cost of funding earning assets | 0.5149% | 2,897 |
| Net interest margin | 2.8017% | 5,116 |
| Noninterest income to average assets | 0.6147% | 2,246 |
| Noninterest expense to average assets | 2.3259% | 4,090 |
| Loan and lease loss provision to assets | 0.0234% | 3,450 |
| Net operating income to assets | 0.9012% | 3,448 |
| Return on assets (ROA) | 0.9012% | 3,455 |
| Pretax return on assets | 0.9298% | 3,873 |
| Return on Equity (ROE) | 9.0304% | 3,002 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,795 |
| Net charge-offs to loans | -0.0817% | 5,092 |
| Credit loss provision to net charge-offs | -64.2857% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9293% | 2,174 |
| Assets per employee ($millions) | 4.8602% | 2,604 |
| Cash dividends to net income (ytd only)* | 60.1156% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7958% | 757 |
| Loan loss allowance to noncurrent loans | 86.8351% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9670% | 1,561 |
| Noncurrent loans to loans | 2.0681% | 708 |
| Net loans and leases to total assets | 45.9203% | 4,830 |
| Net loans and leases to deposits | 51.4910% | 4,929 |
| Net loans and leases to core deposits | 51.6773% | 5,003 |
| Total domestic deposits to total assets | 89.1812% | 858 |
| Equity capital to assets | 9.8067% | 3,818 |
| Core capital (leverage) ratio | 10.5906% | 2,933 |
| Tier 1 risk-based capital ratio | 24.7977% | 752 |
| Total risk-based capital ratio | 26.0558% | 732 |
| Memoranda: | ||
| Average total assets | $76,787,000 | 4,574 |
| Average earning assets | $73,026,330 | 4,527 |
| Average equity | $7,663,000 | 4,757 |
| Average total loans | $34,272,670 | 4,804 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 5,214 |
| Cost of funding earning assets | 0.4220% | 3,430 |
| Net interest margin | 2.7987% | 5,159 |
| Noninterest income to average assets | 0.6291% | 2,135 |
| Noninterest expense to average assets | 2.5007% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7707% | 3,827 |
| Return on assets (ROA) | 0.7707% | 3,826 |
| Pretax return on assets | 0.7707% | 4,219 |
| Return on Equity (ROE) | 7.6548% | 3,522 |
| Retained earnings to average equity (ytd only) | -3.1765% | 5,093 |
| Net charge-offs to loans | -0.1685% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4423% | 1,533 |
| Assets per employee ($millions) | 4.7947% | 2,744 |
| Cash dividends to net income (ytd only)* | 141.4966% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 628 |
| Loan loss allowance to noncurrent loans | 68.2927% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 1,228 |
| Noncurrent loans to loans | 2.8259% | 442 |
| Net loans and leases to total assets | 42.6592% | 4,952 |
| Net loans and leases to deposits | 47.8443% | 5,044 |
| Net loans and leases to core deposits | 47.8443% | 5,104 |
| Total domestic deposits to total assets | 89.1625% | 1,021 |
| Equity capital to assets | 9.8129% | 3,780 |
| Core capital (leverage) ratio | 10.5033% | 2,935 |
| Tier 1 risk-based capital ratio | 25.6891% | 708 |
| Total risk-based capital ratio | 26.9473% | 691 |
| Memoranda: | ||
| Average total assets | $76,299,000 | 4,634 |
| Average earning assets | $72,033,500 | 4,594 |
| Average equity | $7,681,500 | 4,798 |
| Average total loans | $33,228,000 | 4,883 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0966% | 5,294 |
| Cost of funding earning assets | 0.3509% | 3,710 |
| Net interest margin | 2.7457% | 5,232 |
| Noninterest income to average assets | 0.6196% | 2,350 |
| Noninterest expense to average assets | 2.5244% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6615% | 3,776 |
| Return on assets (ROA) | 0.6615% | 3,814 |
| Pretax return on assets | 0.6886% | 4,538 |
| Return on Equity (ROE) | 6.2959% | 3,628 |
| Retained earnings to average equity (ytd only) | 3.5921% | 3,115 |
| Net charge-offs to loans | -0.0154% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5684% | 1,275 |
| Assets per employee ($millions) | 4.7427% | 2,809 |
| Cash dividends to net income (ytd only)* | 42.9448% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 644 |
| Loan loss allowance to noncurrent loans | 119.7719% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6932% | 2,240 |
| Noncurrent loans to loans | 1.5898% | 1,057 |
| Net loans and leases to total assets | 42.7711% | 5,043 |
| Net loans and leases to deposits | 48.2617% | 5,116 |
| Net loans and leases to core deposits | 48.2617% | 5,185 |
| Total domestic deposits to total assets | 88.6233% | 1,180 |
| Equity capital to assets | 10.3251% | 3,361 |
| Core capital (leverage) ratio | 10.4546% | 2,895 |
| Tier 1 risk-based capital ratio | 25.5988% | 684 |
| Total risk-based capital ratio | 26.8559% | 675 |
| Memoranda: | ||
| Average total assets | $73,919,800 | 4,708 |
| Average earning assets | $69,818,600 | 4,670 |
| Average equity | $7,767,000 | 4,820 |
| Average total loans | $32,440,800 | 4,953 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 5,361 |
| Cost of funding earning assets | 0.3290% | 3,852 |
| Net interest margin | 2.7440% | 5,287 |
| Noninterest income to average assets | 0.6301% | 2,313 |
| Noninterest expense to average assets | 2.4350% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7517% | 3,729 |
| Return on assets (ROA) | 0.7517% | 3,788 |
| Pretax return on assets | 0.7844% | 4,392 |
| Return on Equity (ROE) | 7.1225% | 3,586 |
| Retained earnings to average equity (ytd only) | 3.5095% | 3,826 |
| Net charge-offs to loans | -0.0496% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6345% | 1,648 |
| Assets per employee ($millions) | 4.7413% | 2,772 |
| Cash dividends to net income (ytd only)* | 50.7237% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 640 |
| Loan loss allowance to noncurrent loans | 285.2679% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 3,886 |
| Noncurrent loans to loans | 0.6819% | 2,662 |
| Net loans and leases to total assets | 42.4606% | 5,097 |
| Net loans and leases to deposits | 48.0152% | 5,185 |
| Net loans and leases to core deposits | 48.0152% | 5,255 |
| Total domestic deposits to total assets | 88.4315% | 1,161 |
| Equity capital to assets | 10.5074% | 3,365 |
| Core capital (leverage) ratio | 10.6224% | 2,857 |
| Tier 1 risk-based capital ratio | 25.4022% | 712 |
| Total risk-based capital ratio | 26.6611% | 704 |
| Memoranda: | ||
| Average total assets | $73,429,000 | 4,767 |
| Average earning assets | $69,290,250 | 4,730 |
| Average equity | $7,750,000 | 4,871 |
| Average total loans | $32,279,500 | 5,007 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0272% | 5,414 |
| Cost of funding earning assets | 0.2998% | 4,084 |
| Net interest margin | 2.7274% | 5,335 |
| Noninterest income to average assets | 0.6665% | 2,140 |
| Noninterest expense to average assets | 2.4567% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7601% | 3,589 |
| Return on assets (ROA) | 0.7601% | 3,641 |
| Pretax return on assets | 0.7904% | 4,308 |
| Return on Equity (ROE) | 7.1909% | 3,458 |
| Retained earnings to average equity (ytd only) | 1.7196% | 4,562 |
| Net charge-offs to loans | -0.0374% | 5,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6573% | 1,778 |
| Assets per employee ($millions) | 4.6296% | 2,894 |
| Cash dividends to net income (ytd only)* | 76.0870% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 713 |
| Loan loss allowance to noncurrent loans | 352.2222% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 4,167 |
| Noncurrent loans to loans | 0.5423% | 3,121 |
| Net loans and leases to total assets | 43.9574% | 5,044 |
| Net loans and leases to deposits | 49.7799% | 5,147 |
| Net loans and leases to core deposits | 49.7799% | 5,232 |
| Total domestic deposits to total assets | 88.3036% | 1,303 |
| Equity capital to assets | 10.6029% | 3,223 |
| Core capital (leverage) ratio | 10.6942% | 2,707 |
| Tier 1 risk-based capital ratio | 24.7641% | 774 |
| Total risk-based capital ratio | 26.0232% | 752 |
| Memoranda: | ||
| Average total assets | $72,618,330 | 4,808 |
| Average earning assets | $68,711,000 | 4,771 |
| Average equity | $7,676,330 | 4,904 |
| Average total loans | $32,089,330 | 5,038 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9722% | 5,484 |
| Cost of funding earning assets | 0.2605% | 4,450 |
| Net interest margin | 2.7116% | 5,378 |
| Noninterest income to average assets | 0.6732% | 2,074 |
| Noninterest expense to average assets | 2.4593% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7345% | 3,536 |
| Return on assets (ROA) | 0.7345% | 3,592 |
| Pretax return on assets | 0.7623% | 4,235 |
| Return on Equity (ROE) | 6.9588% | 3,417 |
| Retained earnings to average equity (ytd only) | -4.1120% | 5,335 |
| Net charge-offs to loans | -0.0888% | 5,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3385% | 1,860 |
| Assets per employee ($millions) | 4.5200% | 3,138 |
| Cash dividends to net income (ytd only)* | 159.0909% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0043% | 665 |
| Loan loss allowance to noncurrent loans | 251.5873% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 3,810 |
| Noncurrent loans to loans | 0.7967% | 2,466 |
| Net loans and leases to total assets | 42.8623% | 5,115 |
| Net loans and leases to deposits | 48.4935% | 5,196 |
| Net loans and leases to core deposits | 48.4935% | 5,280 |
| Total domestic deposits to total assets | 88.3877% | 1,491 |
| Equity capital to assets | 10.4853% | 3,201 |
| Core capital (leverage) ratio | 10.9035% | 2,470 |
| Tier 1 risk-based capital ratio | 24.7493% | 798 |
| Total risk-based capital ratio | 26.0116% | 780 |
| Memoranda: | ||
| Average total assets | $71,890,500 | 4,871 |
| Average earning assets | $67,560,500 | 4,840 |
| Average equity | $7,587,500 | 4,956 |
| Average total loans | $31,536,500 | 5,110 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9249% | 5,558 |
| Cost of funding earning assets | 0.1791% | 5,227 |
| Net interest margin | 2.7458% | 5,364 |
| Noninterest income to average assets | 0.6460% | 2,440 |
| Noninterest expense to average assets | 2.4911% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7056% | 3,758 |
| Return on assets (ROA) | 0.7056% | 3,871 |
| Pretax return on assets | 0.7264% | 4,405 |
| Return on Equity (ROE) | 6.6968% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.7233% | 2,533 |
| Net charge-offs to loans | -0.0548% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4235% | 1,783 |
| Assets per employee ($millions) | 4.4663% | 3,165 |
| Cash dividends to net income (ytd only)* | 29.4695% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 664 |
| Loan loss allowance to noncurrent loans | 251.8072% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,887 |
| Noncurrent loans to loans | 0.7920% | 2,535 |
| Net loans and leases to total assets | 43.1200% | 5,167 |
| Net loans and leases to deposits | 50.5620% | 5,183 |
| Net loans and leases to core deposits | 50.5620% | 5,282 |
| Total domestic deposits to total assets | 85.2815% | 2,930 |
| Equity capital to assets | 10.6240% | 3,011 |
| Core capital (leverage) ratio | 11.0101% | 2,324 |
| Tier 1 risk-based capital ratio | 24.9087% | 777 |
| Total risk-based capital ratio | 26.1693% | 762 |
| Memoranda: | ||
| Average total assets | $72,138,200 | 4,888 |
| Average earning assets | $67,558,800 | 4,855 |
| Average equity | $7,600,600 | 4,993 |
| Average total loans | $31,022,200 | 5,160 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 5,659 |
| Cost of funding earning assets | 0.1748% | 5,307 |
| Net interest margin | 2.7125% | 5,480 |
| Noninterest income to average assets | 0.6435% | 2,461 |
| Noninterest expense to average assets | 2.3953% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7708% | 3,509 |
| Return on assets (ROA) | 0.7708% | 3,651 |
| Pretax return on assets | 0.7947% | 4,324 |
| Return on Equity (ROE) | 7.3305% | 3,386 |
| Retained earnings to average equity (ytd only) | 4.6999% | 3,019 |
| Net charge-offs to loans | -0.0431% | 5,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0867% | 2,093 |
| Assets per employee ($millions) | 4.3490% | 3,333 |
| Cash dividends to net income (ytd only)* | 35.8860% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 706 |
| Loan loss allowance to noncurrent loans | 284.4037% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 4,155 |
| Noncurrent loans to loans | 0.7099% | 2,908 |
| Net loans and leases to total assets | 43.2427% | 5,239 |
| Net loans and leases to deposits | 49.4040% | 5,327 |
| Net loans and leases to core deposits | 49.4040% | 5,408 |
| Total domestic deposits to total assets | 87.5287% | 1,647 |
| Equity capital to assets | 11.2785% | 2,722 |
| Core capital (leverage) ratio | 10.6163% | 2,856 |
| Tier 1 risk-based capital ratio | 25.3867% | 773 |
| Total risk-based capital ratio | 26.6467% | 755 |
| Memoranda: | ||
| Average total assets | $72,307,500 | 4,923 |
| Average earning assets | $67,882,500 | 4,889 |
| Average equity | $7,602,750 | 5,048 |
| Average total loans | $30,917,500 | 5,212 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 5,792 |
| Cost of funding earning assets | 0.1681% | 5,430 |
| Net interest margin | 2.6516% | 5,619 |
| Noninterest income to average assets | 0.6228% | 2,494 |
| Noninterest expense to average assets | 2.2946% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8031% | 3,294 |
| Return on assets (ROA) | 0.8031% | 3,431 |
| Pretax return on assets | 0.8277% | 4,197 |
| Return on Equity (ROE) | 7.8181% | 3,074 |
| Retained earnings to average equity (ytd only) | 3.8293% | 3,451 |
| Net charge-offs to loans | -0.0452% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4908% | 2,434 |
| Assets per employee ($millions) | 4.3895% | 3,234 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 794 |
| Loan loss allowance to noncurrent loans | 310.0503% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 4,431 |
| Noncurrent loans to loans | 0.6337% | 3,178 |
| Net loans and leases to total assets | 41.2532% | 5,369 |
| Net loans and leases to deposits | 46.6142% | 5,476 |
| Net loans and leases to core deposits | 46.7934% | 5,541 |
| Total domestic deposits to total assets | 88.4994% | 1,167 |
| Equity capital to assets | 10.3763% | 3,764 |
| Core capital (leverage) ratio | 10.3117% | 3,178 |
| Tier 1 risk-based capital ratio | 24.6828% | 837 |
| Total risk-based capital ratio | 25.9483% | 827 |
| Memoranda: | ||
| Average total assets | $73,215,330 | 4,953 |
| Average earning assets | $69,013,670 | 4,908 |
| Average equity | $7,521,000 | 5,104 |
| Average total loans | $30,986,670 | 5,266 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8131% | 5,849 |
| Cost of funding earning assets | 0.1641% | 5,516 |
| Net interest margin | 2.6490% | 5,666 |
| Noninterest income to average assets | 0.6509% | 2,263 |
| Noninterest expense to average assets | 2.4879% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6068% | 4,148 |
| Return on assets (ROA) | 0.6068% | 4,268 |
| Pretax return on assets | 0.6564% | 4,662 |
| Return on Equity (ROE) | 5.9379% | 4,018 |
| Retained earnings to average equity (ytd only) | -2.1592% | 5,397 |
| Net charge-offs to loans | -0.0390% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1228% | 1,727 |
| Assets per employee ($millions) | 4.3029% | 3,406 |
| Cash dividends to net income (ytd only)* | 136.3636% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0228% | 785 |
| Loan loss allowance to noncurrent loans | 285.1163% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 4,393 |
| Noncurrent loans to loans | 0.7095% | 3,074 |
| Net loans and leases to total assets | 40.5892% | 5,428 |
| Net loans and leases to deposits | 45.7686% | 5,514 |
| Net loans and leases to core deposits | 45.9478% | 5,591 |
| Total domestic deposits to total assets | 88.6835% | 1,250 |
| Equity capital to assets | 10.1504% | 3,897 |
| Core capital (leverage) ratio | 10.3505% | 3,126 |
| Tier 1 risk-based capital ratio | 24.3673% | 882 |
| Total risk-based capital ratio | 25.6277% | 865 |
| Memoranda: | ||
| Average total assets | $72,512,000 | 5,011 |
| Average earning assets | $68,251,500 | 4,974 |
| Average equity | $7,410,000 | 5,152 |
| Average total loans | $30,779,500 | 5,311 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8496% | 5,850 |
| Cost of funding earning assets | 0.1501% | 5,681 |
| Net interest margin | 2.6996% | 5,644 |
| Noninterest income to average assets | 0.8967% | 1,448 |
| Noninterest expense to average assets | 2.8727% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5360% | 4,555 |
| Return on assets (ROA) | 0.5360% | 4,645 |
| Pretax return on assets | 0.5576% | 4,968 |
| Return on Equity (ROE) | 5.0631% | 4,474 |
| Retained earnings to average equity (ytd only) | 3.0270% | 3,900 |
| Net charge-offs to loans | -0.0067% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7453% | 1,202 |
| Assets per employee ($millions) | 4.2279% | 3,525 |
| Cash dividends to net income (ytd only)* | 40.2145% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 877 |
| Loan loss allowance to noncurrent loans | 221.0145% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 4,059 |
| Noncurrent loans to loans | 0.8831% | 2,585 |
| Net loans and leases to total assets | 42.6371% | 5,367 |
| Net loans and leases to deposits | 48.1703% | 5,479 |
| Net loans and leases to core deposits | 48.5896% | 5,540 |
| Total domestic deposits to total assets | 88.5132% | 1,375 |
| Equity capital to assets | 10.2888% | 3,635 |
| Core capital (leverage) ratio | 10.7244% | 2,685 |
| Tier 1 risk-based capital ratio | 24.3947% | 876 |
| Total risk-based capital ratio | 25.6548% | 856 |
| Memoranda: | ||
| Average total assets | $69,585,600 | 5,101 |
| Average earning assets | $65,307,000 | 5,056 |
| Average equity | $7,367,000 | 5,175 |
| Average total loans | $29,997,800 | 5,357 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8861% | 5,903 |
| Cost of funding earning assets | 0.1479% | 5,792 |
| Net interest margin | 2.7382% | 5,682 |
| Noninterest income to average assets | 0.9486% | 1,322 |
| Noninterest expense to average assets | 2.8380% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6646% | 4,057 |
| Return on assets (ROA) | 0.6646% | 4,169 |
| Pretax return on assets | 0.6859% | 4,729 |
| Return on Equity (ROE) | 6.2318% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.5144% | 3,965 |
| Net charge-offs to loans | 0.0090% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 177.2734% | 407 |
| Efficiency ratio | 80.5373% | 1,574 |
| Assets per employee ($millions) | 3.8960% | 4,091 |
| Cash dividends to net income (ytd only)* | 43.6053% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0594% | 834 |
| Loan loss allowance to noncurrent loans | 221.1679% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 4,117 |
| Noncurrent loans to loans | 0.9311% | 2,647 |
| Net loans and leases to total assets | 43.5137% | 5,386 |
| Net loans and leases to deposits | 49.8237% | 5,479 |
| Net loans and leases to core deposits | 50.3002% | 5,569 |
| Total domestic deposits to total assets | 87.3354% | 1,876 |
| Equity capital to assets | 11.3465% | 2,650 |
| Core capital (leverage) ratio | 10.6547% | 2,874 |
| Tier 1 risk-based capital ratio | 25.7929% | 792 |
| Total risk-based capital ratio | 27.0510% | 774 |
| Memoranda: | ||
| Average total assets | $69,013,500 | 5,174 |
| Average earning assets | $64,906,750 | 5,122 |
| Average equity | $7,360,000 | 5,244 |
| Average total loans | $29,683,500 | 5,432 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8620% | 5,975 |
| Cost of funding earning assets | 0.1495% | 5,848 |
| Net interest margin | 2.7124% | 5,749 |
| Noninterest income to average assets | 0.7807% | 1,864 |
| Noninterest expense to average assets | 2.9539% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3746% | 5,217 |
| Return on assets (ROA) | 0.3746% | 5,332 |
| Pretax return on assets | 0.3689% | 5,540 |
| Return on Equity (ROE) | 3.5850% | 5,185 |
| Retained earnings to average equity (ytd only) | -0.5473% | 5,618 |
| Net charge-offs to loans | 0.0605% | 2,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 2,065 |
| Efficiency ratio | 88.8985% | 837 |
| Assets per employee ($millions) | 4.1377% | 3,596 |
| Cash dividends to net income (ytd only)* | 115.2672% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 991 |
| Loan loss allowance to noncurrent loans | 253.3898% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 4,463 |
| Noncurrent loans to loans | 0.7882% | 3,135 |
| Net loans and leases to total assets | 41.7182% | 5,521 |
| Net loans and leases to deposits | 47.2255% | 5,621 |
| Net loans and leases to core deposits | 47.6449% | 5,702 |
| Total domestic deposits to total assets | 88.3382% | 1,473 |
| Equity capital to assets | 10.4093% | 3,553 |
| Core capital (leverage) ratio | 10.2766% | 3,244 |
| Tier 1 risk-based capital ratio | 24.3730% | 921 |
| Total risk-based capital ratio | 25.6321% | 908 |
| Memoranda: | ||
| Average total assets | $69,940,670 | 5,217 |
| Average earning assets | $65,549,670 | 5,160 |
| Average equity | $7,308,330 | 5,296 |
| Average total loans | $29,769,330 | 5,480 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9412% | 5,957 |
| Cost of funding earning assets | 0.1593% | 5,847 |
| Net interest margin | 2.7818% | 5,682 |
| Noninterest income to average assets | 0.8144% | 1,662 |
| Noninterest expense to average assets | 3.2521% | 1,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1663% | 5,751 |
| Return on assets (ROA) | 0.1663% | 5,825 |
| Pretax return on assets | 0.1663% | 5,872 |
| Return on Equity (ROE) | 1.5887% | 5,781 |
| Retained earnings to average equity (ytd only) | -6.6288% | 6,021 |
| Net charge-offs to loans | 0.1617% | 1,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.4167% | 2,764 |
| Efficiency ratio | 95.1342% | 535 |
| Assets per employee ($millions) | 3.7405% | 4,439 |
| Cash dividends to net income (ytd only)* | 517.2414% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0677% | 965 |
| Loan loss allowance to noncurrent loans | 207.6655% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 4,328 |
| Noncurrent loans to loans | 0.9957% | 2,773 |
| Net loans and leases to total assets | 39.7186% | 5,611 |
| Net loans and leases to deposits | 44.8655% | 5,715 |
| Net loans and leases to core deposits | 45.2589% | 5,788 |
| Total domestic deposits to total assets | 88.5282% | 1,536 |
| Equity capital to assets | 10.2139% | 3,868 |
| Core capital (leverage) ratio | 10.0768% | 3,504 |
| Tier 1 risk-based capital ratio | 22.3931% | 1,182 |
| Total risk-based capital ratio | 23.6498% | 1,166 |
| Memoranda: | ||
| Average total assets | $69,740,500 | 5,267 |
| Average earning assets | $65,280,500 | 5,224 |
| Average equity | $7,301,500 | 5,344 |
| Average total loans | $29,682,500 | 5,524 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9175% | 6,118 |
| Cost of funding earning assets | 0.1860% | 5,870 |
| Net interest margin | 2.7316% | 5,893 |
| Noninterest income to average assets | 0.9415% | 1,374 |
| Noninterest expense to average assets | 2.8574% | 3,271 |
| Loan and lease loss provision to assets | 0.0069% | 4,490 |
| Net operating income to assets | 0.6388% | 4,195 |
| Return on assets (ROA) | 0.6428% | 4,279 |
| Pretax return on assets | 0.6689% | 4,730 |
| Return on Equity (ROE) | 6.5395% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.4390% | 3,022 |
| Net charge-offs to loans | 0.3654% | 1,191 |
| Credit loss provision to net charge-offs | 4.3478% | 4,163 |
| Earnings coverage of net charge-offs (x) | 4.2435% | 3,703 |
| Efficiency ratio | 80.9672% | 1,774 |
| Assets per employee ($millions) | 3.8006% | 4,341 |
| Cash dividends to net income (ytd only)* | 32.1199% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 1,130 |
| Loan loss allowance to noncurrent loans | 128.2700% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 3,424 |
| Noncurrent loans to loans | 1.5520% | 1,888 |
| Net loans and leases to total assets | 43.7547% | 5,477 |
| Net loans and leases to deposits | 49.7548% | 5,588 |
| Net loans and leases to core deposits | 50.2114% | 5,703 |
| Total domestic deposits to total assets | 87.9405% | 1,804 |
| Equity capital to assets | 10.7351% | 3,194 |
| Core capital (leverage) ratio | 10.0648% | 3,479 |
| Tier 1 risk-based capital ratio | 23.8804% | 968 |
| Total risk-based capital ratio | 25.1408% | 943 |
| Memoranda: | ||
| Average total assets | $72,653,200 | 5,213 |
| Average earning assets | $68,825,200 | 5,151 |
| Average equity | $7,141,200 | 5,384 |
| Average total loans | $31,474,600 | 5,508 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9049% | 6,204 |
| Cost of funding earning assets | 0.1900% | 5,911 |
| Net interest margin | 2.7150% | 5,988 |
| Noninterest income to average assets | 0.8067% | 1,867 |
| Noninterest expense to average assets | 2.6824% | 3,883 |
| Loan and lease loss provision to assets | 0.0054% | 4,304 |
| Net operating income to assets | 0.6785% | 4,056 |
| Return on assets (ROA) | 0.6837% | 4,111 |
| Pretax return on assets | 0.7090% | 4,679 |
| Return on Equity (ROE) | 7.1080% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.2873% | 3,599 |
| Net charge-offs to loans | 0.4878% | 800 |
| Credit loss provision to net charge-offs | 2.5862% | 3,782 |
| Earnings coverage of net charge-offs (x) | 3.3793% | 3,673 |
| Efficiency ratio | 79.0933% | 2,041 |
| Assets per employee ($millions) | 3.7639% | 4,363 |
| Cash dividends to net income (ytd only)* | 39.6833% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9690% | 1,310 |
| Loan loss allowance to noncurrent loans | 134.1463% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 3,938 |
| Noncurrent loans to loans | 1.4678% | 2,213 |
| Net loans and leases to total assets | 42.1184% | 5,660 |
| Net loans and leases to deposits | 47.5635% | 5,792 |
| Net loans and leases to core deposits | 48.2052% | 5,875 |
| Total domestic deposits to total assets | 88.5521% | 1,475 |
| Equity capital to assets | 10.1587% | 3,983 |
| Core capital (leverage) ratio | 9.6568% | 4,143 |
| Tier 1 risk-based capital ratio | 22.8051% | 1,147 |
| Total risk-based capital ratio | 24.0630% | 1,119 |
| Memoranda: | ||
| Average total assets | $73,713,750 | 5,250 |
| Average earning assets | $70,177,500 | 5,172 |
| Average equity | $7,090,500 | 5,443 |
| Average total loans | $31,708,000 | 5,550 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9618% | 6,215 |
| Cost of funding earning assets | 0.2010% | 5,903 |
| Net interest margin | 2.7608% | 5,974 |
| Noninterest income to average assets | 0.7307% | 2,145 |
| Noninterest expense to average assets | 2.6838% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6286% | 4,204 |
| Return on assets (ROA) | 0.6286% | 4,302 |
| Pretax return on assets | 0.6662% | 4,746 |
| Return on Equity (ROE) | 6.6550% | 3,797 |
| Retained earnings to average equity (ytd only) | 2.3890% | 4,687 |
| Net charge-offs to loans | 0.6992% | 546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.2143% | 3,606 |
| Efficiency ratio | 80.1123% | 2,008 |
| Assets per employee ($millions) | 3.9313% | 3,995 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 1,457 |
| Loan loss allowance to noncurrent loans | 126.3048% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 3,449 |
| Noncurrent loans to loans | 1.5440% | 2,244 |
| Net loans and leases to total assets | 40.7229% | 5,765 |
| Net loans and leases to deposits | 45.6836% | 5,897 |
| Net loans and leases to core deposits | 46.2666% | 5,986 |
| Total domestic deposits to total assets | 89.1412% | 1,282 |
| Equity capital to assets | 9.6044% | 4,617 |
| Core capital (leverage) ratio | 9.4444% | 4,402 |
| Tier 1 risk-based capital ratio | 21.9924% | 1,258 |
| Total risk-based capital ratio | 23.2500% | 1,238 |
| Memoranda: | ||
| Average total assets | $74,446,670 | 5,281 |
| Average earning assets | $70,632,670 | 5,207 |
| Average equity | $7,032,330 | 5,480 |
| Average total loans | $32,035,330 | 5,574 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8874% | 6,336 |
| Cost of funding earning assets | 0.2034% | 5,964 |
| Net interest margin | 2.6840% | 6,126 |
| Noninterest income to average assets | 0.7535% | 1,948 |
| Noninterest expense to average assets | 2.8363% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3983% | 5,123 |
| Return on assets (ROA) | 0.3983% | 5,194 |
| Pretax return on assets | 0.4736% | 5,248 |
| Return on Equity (ROE) | 4.2520% | 4,907 |
| Retained earnings to average equity (ytd only) | -4.3669% | 6,085 |
| Net charge-offs to loans | 0.0123% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 505 |
| Efficiency ratio | 85.6911% | 1,481 |
| Assets per employee ($millions) | 4.0717% | 3,777 |
| Cash dividends to net income (ytd only)* | 202.7027% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2856% | 1,052 |
| Loan loss allowance to noncurrent loans | 102.7221% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.9524% | 3,346 |
| Noncurrent loans to loans | 2.2250% | 1,624 |
| Net loans and leases to total assets | 41.8256% | 5,685 |
| Net loans and leases to deposits | 46.8751% | 5,787 |
| Net loans and leases to core deposits | 47.4844% | 5,903 |
| Total domestic deposits to total assets | 89.2277% | 1,514 |
| Equity capital to assets | 9.4733% | 4,532 |
| Core capital (leverage) ratio | 9.0199% | 4,977 |
| Tier 1 risk-based capital ratio | 21.6691% | 1,347 |
| Total risk-based capital ratio | 22.9313% | 1,323 |
| Memoranda: | ||
| Average total assets | $74,322,500 | 5,330 |
| Average earning assets | $70,791,000 | 5,257 |
| Average equity | $6,961,500 | 5,530 |
| Average total loans | $32,541,500 | 5,608 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9239% | 6,406 |
| Cost of funding earning assets | 0.2606% | 5,907 |
| Net interest margin | 2.6633% | 6,187 |
| Noninterest income to average assets | 0.7362% | 2,353 |
| Noninterest expense to average assets | 2.6355% | 4,333 |
| Loan and lease loss provision to assets | 0.0272% | 4,585 |
| Net operating income to assets | 0.5718% | 4,403 |
| Return on assets (ROA) | 0.5680% | 4,528 |
| Pretax return on assets | 0.5822% | 4,925 |
| Return on Equity (ROE) | 6.3454% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.3454% | 1,775 |
| Net charge-offs to loans | -0.0401% | 6,285 |
| Credit loss provision to net charge-offs | -150.0000% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1231% | 2,006 |
| Assets per employee ($millions) | 4.4326% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1298% | 1,285 |
| Loan loss allowance to noncurrent loans | 109.1185% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 3,705 |
| Noncurrent loans to loans | 1.9518% | 2,043 |
| Net loans and leases to total assets | 43.7848% | 5,694 |
| Net loans and leases to deposits | 48.9438% | 5,835 |
| Net loans and leases to core deposits | 49.5569% | 5,965 |
| Total domestic deposits to total assets | 89.4592% | 1,359 |
| Equity capital to assets | 9.2628% | 4,732 |
| Core capital (leverage) ratio | 8.8236% | 5,245 |
| Tier 1 risk-based capital ratio | 20.2511% | 1,600 |
| Total risk-based capital ratio | 21.5125% | 1,561 |
| Memoranda: | ||
| Average total assets | $77,290,400 | 5,298 |
| Average earning assets | $72,916,800 | 5,226 |
| Average equity | $6,918,400 | 5,590 |
| Average total loans | $34,935,800 | 5,539 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9132% | 6,485 |
| Cost of funding earning assets | 0.2719% | 5,946 |
| Net interest margin | 2.6413% | 6,262 |
| Noninterest income to average assets | 0.7406% | 2,415 |
| Noninterest expense to average assets | 2.5595% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6599% | 4,067 |
| Return on assets (ROA) | 0.6549% | 4,226 |
| Pretax return on assets | 0.6737% | 4,779 |
| Return on Equity (ROE) | 7.3782% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.3782% | 1,694 |
| Net charge-offs to loans | -0.2573% | 6,697 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0365% | 2,253 |
| Assets per employee ($millions) | 4.4391% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1939% | 1,337 |
| Loan loss allowance to noncurrent loans | 88.3529% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 3,297 |
| Noncurrent loans to loans | 2.4831% | 1,748 |
| Net loans and leases to total assets | 44.3655% | 5,699 |
| Net loans and leases to deposits | 49.5882% | 5,866 |
| Net loans and leases to core deposits | 50.2085% | 6,003 |
| Total domestic deposits to total assets | 89.4678% | 1,320 |
| Equity capital to assets | 9.2388% | 4,885 |
| Core capital (leverage) ratio | 8.8364% | 5,355 |
| Tier 1 risk-based capital ratio | 19.7086% | 1,813 |
| Total risk-based capital ratio | 20.9701% | 1,770 |
| Memoranda: | ||
| Average total assets | $77,774,250 | 5,343 |
| Average earning assets | $73,547,500 | 5,253 |
| Average equity | $6,903,000 | 5,666 |
| Average total loans | $35,241,750 | 5,575 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8732% | 6,554 |
| Cost of funding earning assets | 0.2914% | 5,889 |
| Net interest margin | 2.5818% | 6,350 |
| Noninterest income to average assets | 0.7206% | 2,547 |
| Noninterest expense to average assets | 2.6227% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5199% | 4,718 |
| Return on assets (ROA) | 0.5347% | 4,807 |
| Pretax return on assets | 0.5500% | 5,200 |
| Return on Equity (ROE) | 6.1047% | 4,108 |
| Retained earnings to average equity (ytd only) | 6.1047% | 2,370 |
| Net charge-offs to loans | -0.5003% | 6,825 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0645% | 1,748 |
| Assets per employee ($millions) | 4.3355% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 1,523 |
| Loan loss allowance to noncurrent loans | 102.6596% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1879% | 3,376 |
| Noncurrent loans to loans | 2.0984% | 2,281 |
| Net loans and leases to total assets | 44.9327% | 5,646 |
| Net loans and leases to deposits | 49.8798% | 5,848 |
| Net loans and leases to core deposits | 50.4750% | 6,000 |
| Total domestic deposits to total assets | 90.0819% | 982 |
| Equity capital to assets | 8.6470% | 5,616 |
| Core capital (leverage) ratio | 8.3731% | 5,799 |
| Tier 1 risk-based capital ratio | 18.3512% | 2,194 |
| Total risk-based capital ratio | 19.6122% | 2,151 |
| Memoranda: | ||
| Average total assets | $78,544,330 | 5,356 |
| Average earning assets | $74,133,000 | 5,273 |
| Average equity | $6,880,000 | 5,714 |
| Average total loans | $35,578,670 | 5,596 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9991% | 6,519 |
| Cost of funding earning assets | 0.3290% | 5,726 |
| Net interest margin | 2.6700% | 6,269 |
| Noninterest income to average assets | 0.7411% | 2,369 |
| Noninterest expense to average assets | 2.8478% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3756% | 5,231 |
| Return on assets (ROA) | 0.3756% | 5,368 |
| Pretax return on assets | 0.4061% | 5,543 |
| Return on Equity (ROE) | 4.2614% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.2614% | 3,674 |
| Net charge-offs to loans | -0.0790% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5195% | 1,373 |
| Assets per employee ($millions) | 4.1892% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 2,198 |
| Loan loss allowance to noncurrent loans | 56.8838% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 1.5240% | 2,971 |
| Noncurrent loans to loans | 3.4099% | 1,413 |
| Net loans and leases to total assets | 43.8256% | 5,682 |
| Net loans and leases to deposits | 48.7002% | 5,870 |
| Net loans and leases to core deposits | 49.6294% | 5,998 |
| Total domestic deposits to total assets | 89.9906% | 1,065 |
| Equity capital to assets | 8.7505% | 5,759 |
| Core capital (leverage) ratio | 8.0233% | 6,121 |
| Tier 1 risk-based capital ratio | 18.3889% | 2,232 |
| Total risk-based capital ratio | 19.6478% | 2,197 |
| Memoranda: | ||
| Average total assets | $78,797,000 | 5,391 |
| Average earning assets | $74,156,000 | 5,317 |
| Average equity | $6,946,000 | 5,756 |
| Average total loans | $35,449,500 | 5,645 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1445% | 6,692 |
| Cost of funding earning assets | 0.4188% | 5,795 |
| Net interest margin | 2.7257% | 6,485 |
| Noninterest income to average assets | 0.7053% | 2,694 |
| Noninterest expense to average assets | 2.6030% | 4,733 |
| Loan and lease loss provision to assets | 0.3289% | 2,064 |
| Net operating income to assets | 0.3405% | 5,326 |
| Return on assets (ROA) | 0.3443% | 5,534 |
| Pretax return on assets | 0.3443% | 5,731 |
| Return on Equity (ROE) | 3.8444% | 5,205 |
| Retained earnings to average equity (ytd only) | 0.4017% | 5,656 |
| Net charge-offs to loans | 0.8234% | 1,417 |
| Credit loss provision to net charge-offs | 87.3720% | 3,578 |
| Earnings coverage of net charge-offs (x) | 1.7782% | 4,543 |
| Efficiency ratio | 79.5446% | 2,205 |
| Assets per employee ($millions) | 4.1052% | 3,726 |
| Cash dividends to net income (ytd only)* | 89.5522% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 2,186 |
| Loan loss allowance to noncurrent loans | 51.1610% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.7116% | 2,831 |
| Noncurrent loans to loans | 3.7791% | 1,282 |
| Net loans and leases to total assets | 44.4147% | 5,777 |
| Net loans and leases to deposits | 49.4886% | 5,993 |
| Net loans and leases to core deposits | 51.5782% | 6,044 |
| Total domestic deposits to total assets | 89.7473% | 1,096 |
| Equity capital to assets | 8.8809% | 5,650 |
| Core capital (leverage) ratio | 8.1353% | 6,056 |
| Tier 1 risk-based capital ratio | 18.6995% | 2,048 |
| Total risk-based capital ratio | 19.9595% | 2,010 |
| Memoranda: | ||
| Average total assets | $77,834,000 | 5,414 |
| Average earning assets | $73,303,400 | 5,331 |
| Average equity | $6,971,200 | 5,774 |
| Average total loans | $35,586,200 | 5,695 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2432% | 6,767 |
| Cost of funding earning assets | 0.4351% | 5,900 |
| Net interest margin | 2.8081% | 6,489 |
| Noninterest income to average assets | 0.6479% | 3,004 |
| Noninterest expense to average assets | 2.4509% | 5,237 |
| Loan and lease loss provision to assets | 0.3565% | 1,827 |
| Net operating income to assets | 0.4953% | 4,858 |
| Return on assets (ROA) | 0.5005% | 5,107 |
| Pretax return on assets | 0.5005% | 5,466 |
| Return on Equity (ROE) | 5.5759% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.2845% | 4,562 |
| Net charge-offs to loans | 0.7517% | 1,477 |
| Credit loss provision to net charge-offs | 103.4826% | 2,844 |
| Earnings coverage of net charge-offs (x) | 2.4727% | 4,052 |
| Efficiency ratio | 74.2086% | 2,950 |
| Assets per employee ($millions) | 4.1382% | 3,603 |
| Cash dividends to net income (ytd only)* | 41.0973% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 2,060 |
| Loan loss allowance to noncurrent loans | 56.2258% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 1.6445% | 3,114 |
| Noncurrent loans to loans | 3.6280% | 1,492 |
| Net loans and leases to total assets | 44.4032% | 5,934 |
| Net loans and leases to deposits | 49.2398% | 6,171 |
| Net loans and leases to core deposits | 51.1015% | 6,234 |
| Total domestic deposits to total assets | 90.1774% | 748 |
| Equity capital to assets | 9.0849% | 5,735 |
| Core capital (leverage) ratio | 8.2468% | 6,090 |
| Tier 1 risk-based capital ratio | 18.9490% | 2,027 |
| Total risk-based capital ratio | 20.2089% | 1,992 |
| Memoranda: | ||
| Average total assets | $77,792,750 | 5,464 |
| Average earning assets | $73,547,000 | 5,389 |
| Average equity | $6,982,250 | 5,836 |
| Average total loans | $35,651,250 | 5,765 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2022% | 6,868 |
| Cost of funding earning assets | 0.4532% | 5,951 |
| Net interest margin | 2.7490% | 6,650 |
| Noninterest income to average assets | 0.6992% | 2,680 |
| Noninterest expense to average assets | 2.5698% | 4,881 |
| Loan and lease loss provision to assets | 0.1109% | 4,143 |
| Net operating income to assets | 0.5960% | 4,385 |
| Return on assets (ROA) | 0.5960% | 4,645 |
| Pretax return on assets | 0.6167% | 5,081 |
| Return on Equity (ROE) | 6.6679% | 3,952 |
| Retained earnings to average equity (ytd only) | 3.2041% | 4,484 |
| Net charge-offs to loans | 0.4880% | 2,125 |
| Credit loss provision to net charge-offs | 49.4253% | 4,048 |
| Earnings coverage of net charge-offs (x) | 3.2414% | 3,441 |
| Efficiency ratio | 77.9343% | 2,462 |
| Assets per employee ($millions) | 4.1641% | 3,533 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 2,667 |
| Loan loss allowance to noncurrent loans | 41.1693% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 2.0754% | 2,693 |
| Noncurrent loans to loans | 4.5208% | 1,170 |
| Net loans and leases to total assets | 45.0530% | 5,916 |
| Net loans and leases to deposits | 49.7988% | 6,194 |
| Net loans and leases to core deposits | 51.6594% | 6,260 |
| Total domestic deposits to total assets | 90.4699% | 685 |
| Equity capital to assets | 8.7856% | 5,931 |
| Core capital (leverage) ratio | 8.3231% | 5,877 |
| Tier 1 risk-based capital ratio | 18.5159% | 2,130 |
| Total risk-based capital ratio | 19.7732% | 2,080 |
| Memoranda: | ||
| Average total assets | $77,515,330 | 5,505 |
| Average earning assets | $73,262,330 | 5,425 |
| Average equity | $6,928,670 | 5,868 |
| Average total loans | $35,655,330 | 5,803 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 6,711 |
| Cost of funding earning assets | 0.4814% | 5,933 |
| Net interest margin | 3.0100% | 6,276 |
| Noninterest income to average assets | 0.6101% | 3,161 |
| Noninterest expense to average assets | 2.6071% | 4,792 |
| Loan and lease loss provision to assets | 0.0104% | 5,167 |
| Net operating income to assets | 0.8291% | 3,259 |
| Return on assets (ROA) | 0.8291% | 3,485 |
| Pretax return on assets | 0.8291% | 4,303 |
| Return on Equity (ROE) | 9.1941% | 2,737 |
| Retained earnings to average equity (ytd only) | 9.1941% | 1,517 |
| Net charge-offs to loans | 0.4190% | 2,049 |
| Credit loss provision to net charge-offs | 5.4054% | 3,952 |
| Earnings coverage of net charge-offs (x) | 4.3514% | 2,588 |
| Efficiency ratio | 75.6430% | 2,834 |
| Assets per employee ($millions) | 4.3169% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 2,465 |
| Loan loss allowance to noncurrent loans | 43.3544% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 2.0334% | 2,851 |
| Noncurrent loans to loans | 4.5341% | 1,276 |
| Net loans and leases to total assets | 43.9643% | 6,015 |
| Net loans and leases to deposits | 49.4571% | 6,185 |
| Net loans and leases to core deposits | 51.3730% | 6,252 |
| Total domestic deposits to total assets | 88.8938% | 1,765 |
| Equity capital to assets | 9.0523% | 5,421 |
| Core capital (leverage) ratio | 8.3404% | 5,821 |
| Tier 1 risk-based capital ratio | 19.7814% | 1,765 |
| Total risk-based capital ratio | 21.0417% | 1,734 |
| Memoranda: | ||
| Average total assets | $76,714,000 | 5,573 |
| Average earning assets | $72,291,500 | 5,488 |
| Average equity | $6,917,500 | 5,899 |
| Average total loans | $35,322,500 | 5,856 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 6,751 |
| Cost of funding earning assets | 0.5701% | 6,240 |
| Net interest margin | 3.2100% | 6,064 |
| Noninterest income to average assets | 0.8814% | 1,740 |
| Noninterest expense to average assets | 3.3204% | 2,455 |
| Loan and lease loss provision to assets | 0.0354% | 6,122 |
| Net operating income to assets | 0.5262% | 4,325 |
| Return on assets (ROA) | 0.6621% | 3,864 |
| Pretax return on assets | 0.6847% | 4,389 |
| Return on Equity (ROE) | 6.8154% | 3,484 |
| Retained earnings to average equity (ytd only) | 1.5728% | 5,089 |
| Net charge-offs to loans | 0.3714% | 3,548 |
| Credit loss provision to net charge-offs | 18.7970% | 5,930 |
| Earnings coverage of net charge-offs (x) | 3.0827% | 3,665 |
| Efficiency ratio | 85.1288% | 1,659 |
| Assets per employee ($millions) | 3.9855% | 3,892 |
| Cash dividends to net income (ytd only)* | 76.9231% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0113% | 2,240 |
| Loan loss allowance to noncurrent loans | 57.9710% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.6402% | 3,497 |
| Noncurrent loans to loans | 3.4695% | 1,848 |
| Net loans and leases to total assets | 46.3235% | 5,991 |
| Net loans and leases to deposits | 51.7131% | 6,235 |
| Net loans and leases to core deposits | 53.7495% | 6,316 |
| Total domestic deposits to total assets | 89.5779% | 1,218 |
| Equity capital to assets | 8.9813% | 5,571 |
| Core capital (leverage) ratio | 8.6002% | 5,399 |
| Tier 1 risk-based capital ratio | 18.6940% | 1,990 |
| Total risk-based capital ratio | 19.9504% | 1,950 |
| Memoranda: | ||
| Average total assets | $70,684,000 | 5,722 |
| Average earning assets | $66,480,400 | 5,650 |
| Average equity | $6,866,800 | 5,901 |
| Average total loans | $35,808,800 | 5,878 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 6,870 |
| Cost of funding earning assets | 0.5968% | 6,292 |
| Net interest margin | 3.1774% | 6,213 |
| Noninterest income to average assets | 0.9122% | 1,604 |
| Noninterest expense to average assets | 3.0094% | 3,528 |
| Loan and lease loss provision to assets | 0.0499% | 5,826 |
| Net operating income to assets | 0.8263% | 3,039 |
| Return on assets (ROA) | 0.8431% | 3,120 |
| Pretax return on assets | 0.8662% | 3,892 |
| Return on Equity (ROE) | 8.5035% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.1791% | 2,441 |
| Net charge-offs to loans | 0.4915% | 2,783 |
| Credit loss provision to net charge-offs | 19.6970% | 5,561 |
| Earnings coverage of net charge-offs (x) | 3.5453% | 3,400 |
| Efficiency ratio | 77.0025% | 2,675 |
| Assets per employee ($millions) | 3.7979% | 4,308 |
| Cash dividends to net income (ytd only)* | 27.3355% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0399% | 2,231 |
| Loan loss allowance to noncurrent loans | 53.9611% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.8542% | 3,325 |
| Noncurrent loans to loans | 3.7803% | 1,789 |
| Net loans and leases to total assets | 48.0481% | 5,947 |
| Net loans and leases to deposits | 53.8937% | 6,221 |
| Net loans and leases to core deposits | 56.4819% | 6,276 |
| Total domestic deposits to total assets | 89.1534% | 1,330 |
| Equity capital to assets | 10.0428% | 4,281 |
| Core capital (leverage) ratio | 9.0830% | 4,803 |
| Tier 1 risk-based capital ratio | 19.6214% | 1,780 |
| Total risk-based capital ratio | 20.8825% | 1,749 |
| Memoranda: | ||
| Average total assets | $69,424,000 | 5,798 |
| Average earning assets | $65,460,750 | 5,732 |
| Average equity | $6,883,250 | 5,936 |
| Average total loans | $35,811,500 | 5,932 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 6,875 |
| Cost of funding earning assets | 0.6166% | 6,379 |
| Net interest margin | 3.2256% | 6,077 |
| Noninterest income to average assets | 0.9546% | 1,449 |
| Noninterest expense to average assets | 3.1761% | 2,984 |
| Loan and lease loss provision to assets | 0.0759% | 5,362 |
| Net operating income to assets | 0.7197% | 3,446 |
| Return on assets (ROA) | 0.6773% | 3,776 |
| Pretax return on assets | 0.6977% | 4,394 |
| Return on Equity (ROE) | 6.8619% | 3,506 |
| Retained earnings to average equity (ytd only) | 3.3126% | 4,149 |
| Net charge-offs to loans | 0.2114% | 3,877 |
| Credit loss provision to net charge-offs | 68.4211% | 4,094 |
| Earnings coverage of net charge-offs (x) | 7.3684% | 2,236 |
| Efficiency ratio | 79.5322% | 2,460 |
| Assets per employee ($millions) | 3.5449% | 4,824 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 1,868 |
| Loan loss allowance to noncurrent loans | 89.1803% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 4,319 |
| Noncurrent loans to loans | 2.4960% | 2,892 |
| Net loans and leases to total assets | 50.5557% | 5,745 |
| Net loans and leases to deposits | 56.5829% | 6,083 |
| Net loans and leases to core deposits | 59.5636% | 6,131 |
| Total domestic deposits to total assets | 89.3481% | 1,334 |
| Equity capital to assets | 9.8465% | 4,337 |
| Core capital (leverage) ratio | 9.3337% | 4,198 |
| Tier 1 risk-based capital ratio | 18.4849% | 2,017 |
| Total risk-based capital ratio | 19.7499% | 1,964 |
| Memoranda: | ||
| Average total assets | $68,511,670 | 5,871 |
| Average earning assets | $64,546,330 | 5,803 |
| Average equity | $6,762,000 | 6,000 |
| Average total loans | $35,950,670 | 5,970 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8850% | 6,840 |
| Cost of funding earning assets | 0.6391% | 6,432 |
| Net interest margin | 3.2459% | 5,931 |
| Noninterest income to average assets | 0.9329% | 1,538 |
| Noninterest expense to average assets | 3.0601% | 3,420 |
| Loan and lease loss provision to assets | 0.1545% | 4,092 |
| Net operating income to assets | 0.7546% | 3,249 |
| Return on assets (ROA) | 0.7546% | 3,314 |
| Pretax return on assets | 0.7665% | 4,033 |
| Return on Equity (ROE) | 7.6362% | 3,079 |
| Retained earnings to average equity (ytd only) | 7.6362% | 1,870 |
| Net charge-offs to loans | 0.2247% | 3,189 |
| Credit loss provision to net charge-offs | 130.0000% | 2,129 |
| Earnings coverage of net charge-offs (x) | 7.7500% | 1,900 |
| Efficiency ratio | 76.8657% | 3,004 |
| Assets per employee ($millions) | 3.5452% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3591% | 1,664 |
| Loan loss allowance to noncurrent loans | 75.1351% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.6479% | 3,777 |
| Noncurrent loans to loans | 3.1398% | 2,396 |
| Net loans and leases to total assets | 51.2471% | 5,679 |
| Net loans and leases to deposits | 57.4905% | 5,975 |
| Net loans and leases to core deposits | 58.8178% | 6,189 |
| Total domestic deposits to total assets | 89.1401% | 1,685 |
| Equity capital to assets | 9.9810% | 3,799 |
| Core capital (leverage) ratio | 9.3173% | 4,103 |
| Tier 1 risk-based capital ratio | 20.0644% | 1,575 |
| Total risk-based capital ratio | 21.3301% | 1,535 |
| Memoranda: | ||
| Average total assets | $67,318,500 | 5,955 |
| Average earning assets | $63,218,000 | 5,886 |
| Average equity | $6,652,500 | 6,042 |
| Average total loans | $35,596,500 | 6,044 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 7,056 |
| Cost of funding earning assets | 0.7906% | 6,608 |
| Net interest margin | 3.2998% | 5,978 |
| Noninterest income to average assets | 0.8946% | 1,863 |
| Noninterest expense to average assets | 3.2038% | 3,078 |
| Loan and lease loss provision to assets | 0.1577% | 5,630 |
| Net operating income to assets | 0.5959% | 3,689 |
| Return on assets (ROA) | 0.5959% | 3,855 |
| Pretax return on assets | 0.6277% | 4,234 |
| Return on Equity (ROE) | 5.7725% | 3,710 |
| Retained earnings to average equity (ytd only) | 0.4847% | 5,340 |
| Net charge-offs to loans | 0.1437% | 5,497 |
| Credit loss provision to net charge-offs | 208.0000% | 1,481 |
| Earnings coverage of net charge-offs (x) | 10.3600% | 1,718 |
| Efficiency ratio | 80.3117% | 2,376 |
| Assets per employee ($millions) | 3.2038% | 5,663 |
| Cash dividends to net income (ytd only)* | 91.6031% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3103% | 1,677 |
| Loan loss allowance to noncurrent loans | 74.7967% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.6454% | 3,833 |
| Noncurrent loans to loans | 3.0887% | 2,468 |
| Net loans and leases to total assets | 52.0400% | 5,901 |
| Net loans and leases to deposits | 58.2504% | 6,234 |
| Net loans and leases to core deposits | 61.5920% | 6,266 |
| Total domestic deposits to total assets | 89.3384% | 1,476 |
| Equity capital to assets | 9.7831% | 4,020 |
| Core capital (leverage) ratio | 9.2240% | 4,130 |
| Tier 1 risk-based capital ratio | 19.3586% | 1,627 |
| Total risk-based capital ratio | 20.6264% | 1,594 |
| Memoranda: | ||
| Average total assets | $65,952,600 | 6,002 |
| Average earning assets | $61,852,200 | 5,928 |
| Average equity | $6,808,200 | 6,101 |
| Average total loans | $34,784,200 | 6,163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 7,166 |
| Cost of funding earning assets | 0.8166% | 6,705 |
| Net interest margin | 3.3184% | 5,955 |
| Noninterest income to average assets | 0.8879% | 1,841 |
| Noninterest expense to average assets | 3.0762% | 3,445 |
| Loan and lease loss provision to assets | 0.1544% | 5,496 |
| Net operating income to assets | 0.7396% | 3,238 |
| Return on assets (ROA) | 0.7396% | 3,403 |
| Pretax return on assets | 0.7701% | 4,010 |
| Return on Equity (ROE) | 7.0697% | 3,314 |
| Retained earnings to average equity (ytd only) | 4.7391% | 3,170 |
| Net charge-offs to loans | 0.1275% | 5,277 |
| Credit loss provision to net charge-offs | 230.3030% | 1,492 |
| Earnings coverage of net charge-offs (x) | 13.7875% | 1,556 |
| Efficiency ratio | 76.8918% | 2,778 |
| Assets per employee ($millions) | 3.2693% | 5,543 |
| Cash dividends to net income (ytd only)* | 32.9679% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3782% | 1,503 |
| Loan loss allowance to noncurrent loans | 101.2392% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 4,686 |
| Noncurrent loans to loans | 2.3491% | 3,290 |
| Net loans and leases to total assets | 51.2908% | 6,190 |
| Net loans and leases to deposits | 58.1130% | 6,453 |
| Net loans and leases to core deposits | 61.8615% | 6,475 |
| Total domestic deposits to total assets | 88.2605% | 1,821 |
| Equity capital to assets | 10.8540% | 3,112 |
| Core capital (leverage) ratio | 9.7020% | 3,619 |
| Tier 1 risk-based capital ratio | 20.9656% | 1,363 |
| Total risk-based capital ratio | 22.2320% | 1,335 |
| Memoranda: | ||
| Average total assets | $65,621,000 | 6,078 |
| Average earning assets | $61,555,000 | 6,003 |
| Average equity | $6,864,750 | 6,156 |
| Average total loans | $34,520,250 | 6,263 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 7,227 |
| Cost of funding earning assets | 0.8388% | 6,789 |
| Net interest margin | 3.3163% | 5,959 |
| Noninterest income to average assets | 0.8767% | 1,770 |
| Noninterest expense to average assets | 3.1111% | 3,263 |
| Loan and lease loss provision to assets | 0.2131% | 4,756 |
| Net operating income to assets | 0.6332% | 3,718 |
| Return on assets (ROA) | 0.6332% | 3,855 |
| Pretax return on assets | 0.6697% | 4,341 |
| Return on Equity (ROE) | 6.1291% | 3,741 |
| Retained earnings to average equity (ytd only) | 2.5931% | 4,492 |
| Net charge-offs to loans | -0.0116% | 7,217 |
| Credit loss provision to net charge-offs | -3,500.0000% | 7,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8963% | 2,742 |
| Assets per employee ($millions) | 3.3324% | 5,346 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4070% | 1,427 |
| Loan loss allowance to noncurrent loans | 129.9539% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 5,186 |
| Noncurrent loans to loans | 1.8522% | 3,932 |
| Net loans and leases to total assets | 51.4659% | 6,270 |
| Net loans and leases to deposits | 57.9428% | 6,577 |
| Net loans and leases to core deposits | 58.8545% | 6,777 |
| Total domestic deposits to total assets | 88.8219% | 1,536 |
| Equity capital to assets | 10.3079% | 3,640 |
| Core capital (leverage) ratio | 9.4162% | 3,937 |
| Tier 1 risk-based capital ratio | 20.2311% | 1,478 |
| Total risk-based capital ratio | 21.4994% | 1,444 |
| Memoranda: | ||
| Average total assets | $65,699,330 | 6,117 |
| Average earning assets | $61,755,330 | 6,032 |
| Average equity | $6,787,330 | 6,207 |
| Average total loans | $34,575,670 | 6,309 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2369% | 7,220 |
| Cost of funding earning assets | 0.8696% | 6,872 |
| Net interest margin | 3.3673% | 5,722 |
| Noninterest income to average assets | 0.7911% | 2,068 |
| Noninterest expense to average assets | 3.0602% | 3,435 |
| Loan and lease loss provision to assets | 0.1901% | 4,598 |
| Net operating income to assets | 0.6930% | 3,472 |
| Return on assets (ROA) | 0.6930% | 3,587 |
| Pretax return on assets | 0.6991% | 4,236 |
| Return on Equity (ROE) | 6.7003% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.7003% | 2,271 |
| Net charge-offs to loans | -0.0467% | 7,327 |
| Credit loss provision to net charge-offs | -775.0000% | 6,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4845% | 2,976 |
| Assets per employee ($millions) | 3.3896% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3616% | 1,473 |
| Loan loss allowance to noncurrent loans | 65.6656% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.8173% | 3,757 |
| Noncurrent loans to loans | 3.5963% | 2,219 |
| Net loans and leases to total assets | 49.3392% | 6,540 |
| Net loans and leases to deposits | 55.3463% | 6,819 |
| Net loans and leases to core deposits | 56.8129% | 6,948 |
| Total domestic deposits to total assets | 89.1462% | 1,442 |
| Equity capital to assets | 10.0322% | 3,823 |
| Core capital (leverage) ratio | 9.4348% | 3,874 |
| Tier 1 risk-based capital ratio | 20.6878% | 1,393 |
| Total risk-based capital ratio | 21.9567% | 1,365 |
| Memoranda: | ||
| Average total assets | $65,225,000 | 6,203 |
| Average earning assets | $61,176,500 | 6,123 |
| Average equity | $6,746,000 | 6,272 |
| Average total loans | $34,290,000 | 6,403 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 7,239 |
| Cost of funding earning assets | 1.1070% | 6,953 |
| Net interest margin | 3.5235% | 4,849 |
| Noninterest income to average assets | 0.7908% | 2,451 |
| Noninterest expense to average assets | 3.3713% | 2,772 |
| Loan and lease loss provision to assets | 0.5687% | 3,536 |
| Net operating income to assets | 0.1638% | 5,011 |
| Return on assets (ROA) | 0.1638% | 5,082 |
| Pretax return on assets | 0.1701% | 5,073 |
| Return on Equity (ROE) | 1.5166% | 5,085 |
| Retained earnings to average equity (ytd only) | -1.9833% | 5,515 |
| Net charge-offs to loans | 1.0505% | 2,310 |
| Credit loss provision to net charge-offs | 97.3046% | 5,713 |
| Earnings coverage of net charge-offs (x) | 1.2642% | 4,862 |
| Efficiency ratio | 82.0238% | 2,596 |
| Assets per employee ($millions) | 3.1329% | 5,907 |
| Cash dividends to net income (ytd only)* | 230.7692% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2521% | 1,562 |
| Loan loss allowance to noncurrent loans | 74.8306% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.6486% | 3,904 |
| Noncurrent loans to loans | 3.0096% | 2,563 |
| Net loans and leases to total assets | 53.5446% | 6,242 |
| Net loans and leases to deposits | 61.8524% | 6,484 |
| Net loans and leases to core deposits | 69.9031% | 6,777 |
| Total domestic deposits to total assets | 86.5684% | 2,723 |
| Equity capital to assets | 10.6786% | 2,985 |
| Core capital (leverage) ratio | 9.7089% | 3,441 |
| Tier 1 risk-based capital ratio | 20.9854% | 1,296 |
| Total risk-based capital ratio | 22.2519% | 1,264 |
| Memoranda: | ||
| Average total assets | $63,477,000 | 6,221 |
| Average earning assets | $59,799,200 | 6,131 |
| Average equity | $6,857,400 | 6,317 |
| Average total loans | $35,315,000 | 6,340 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 7,397 |
| Cost of funding earning assets | 1.1365% | 7,077 |
| Net interest margin | 3.4805% | 4,948 |
| Noninterest income to average assets | 0.7809% | 2,541 |
| Noninterest expense to average assets | 3.2075% | 3,277 |
| Loan and lease loss provision to assets | 0.7014% | 2,630 |
| Net operating income to assets | 0.1528% | 5,310 |
| Return on assets (ROA) | 0.1528% | 5,365 |
| Pretax return on assets | 0.1549% | 5,398 |
| Return on Equity (ROE) | 1.4108% | 5,368 |
| Retained earnings to average equity (ytd only) | -0.9084% | 5,465 |
| Net charge-offs to loans | 1.0272% | 1,922 |
| Credit loss provision to net charge-offs | 122.2628% | 4,146 |
| Earnings coverage of net charge-offs (x) | 1.4927% | 4,666 |
| Efficiency ratio | 78.9284% | 3,002 |
| Assets per employee ($millions) | 3.2262% | 5,585 |
| Cash dividends to net income (ytd only)* | 164.3892% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3881% | 1,186 |
| Loan loss allowance to noncurrent loans | 59.1737% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2131% | 3,080 |
| Noncurrent loans to loans | 4.0357% | 1,817 |
| Net loans and leases to total assets | 53.5289% | 6,441 |
| Net loans and leases to deposits | 61.5647% | 6,716 |
| Net loans and leases to core deposits | 71.4679% | 6,877 |
| Total domestic deposits to total assets | 86.9475% | 2,203 |
| Equity capital to assets | 10.7541% | 3,242 |
| Core capital (leverage) ratio | 9.4496% | 3,976 |
| Tier 1 risk-based capital ratio | 20.9675% | 1,366 |
| Total risk-based capital ratio | 22.2352% | 1,348 |
| Memoranda: | ||
| Average total assets | $63,681,750 | 6,257 |
| Average earning assets | $60,066,500 | 6,167 |
| Average equity | $6,899,000 | 6,352 |
| Average total loans | $35,563,000 | 6,371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 7,338 |
| Cost of funding earning assets | 1.1466% | 7,254 |
| Net interest margin | 3.5902% | 4,403 |
| Noninterest income to average assets | 0.7918% | 2,452 |
| Noninterest expense to average assets | 3.2712% | 3,077 |
| Loan and lease loss provision to assets | 0.6151% | 2,594 |
| Net operating income to assets | 0.2744% | 4,997 |
| Return on assets (ROA) | 0.2744% | 5,101 |
| Pretax return on assets | 0.2934% | 5,228 |
| Return on Equity (ROE) | 2.5270% | 5,090 |
| Retained earnings to average equity (ytd only) | -0.9585% | 5,468 |
| Net charge-offs to loans | 0.5614% | 2,643 |
| Credit loss provision to net charge-offs | 195.0000% | 2,345 |
| Earnings coverage of net charge-offs (x) | 2.8800% | 3,659 |
| Efficiency ratio | 78.2642% | 3,308 |
| Assets per employee ($millions) | 3.3427% | 5,208 |
| Cash dividends to net income (ytd only)* | 137.9310% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4808% | 919 |
| Loan loss allowance to noncurrent loans | 42.7945% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 3.0724% | 2,051 |
| Noncurrent loans to loans | 5.7970% | 964 |
| Net loans and leases to total assets | 51.6850% | 6,720 |
| Net loans and leases to deposits | 58.0303% | 7,025 |
| Net loans and leases to core deposits | 70.2211% | 7,006 |
| Total domestic deposits to total assets | 89.0656% | 1,236 |
| Equity capital to assets | 10.0953% | 3,819 |
| Core capital (leverage) ratio | 9.4855% | 3,910 |
| Tier 1 risk-based capital ratio | 20.7277% | 1,441 |
| Total risk-based capital ratio | 21.9974% | 1,400 |
| Memoranda: | ||
| Average total assets | $63,401,000 | 6,317 |
| Average earning assets | $59,829,330 | 6,232 |
| Average equity | $6,885,670 | 6,410 |
| Average total loans | $35,622,670 | 6,428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 6,794 |
| Cost of funding earning assets | 1.1788% | 7,342 |
| Net interest margin | 3.8721% | 3,176 |
| Noninterest income to average assets | 0.7912% | 2,370 |
| Noninterest expense to average assets | 3.4049% | 2,342 |
| Loan and lease loss provision to assets | 0.7329% | 1,749 |
| Net operating income to assets | 0.3178% | 5,230 |
| Return on assets (ROA) | 0.3178% | 5,401 |
| Pretax return on assets | 0.3178% | 5,630 |
| Return on Equity (ROE) | 2.8185% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.8185% | 4,307 |
| Net charge-offs to loans | 0.9967% | 1,346 |
| Credit loss provision to net charge-offs | 126.9663% | 3,142 |
| Earnings coverage of net charge-offs (x) | 1.8202% | 3,817 |
| Efficiency ratio | 76.4192% | 3,420 |
| Assets per employee ($millions) | 2.9847% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2365% | 1,037 |
| Loan loss allowance to noncurrent loans | 60.9057% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 2.0179% | 2,874 |
| Noncurrent loans to loans | 3.6721% | 1,704 |
| Net loans and leases to total assets | 53.7228% | 6,499 |
| Net loans and leases to deposits | 60.6148% | 6,844 |
| Net loans and leases to core deposits | 74.5289% | 6,775 |
| Total domestic deposits to total assets | 88.6298% | 1,407 |
| Equity capital to assets | 10.5189% | 3,442 |
| Core capital (leverage) ratio | 10.0083% | 3,403 |
| Tier 1 risk-based capital ratio | 21.3131% | 1,401 |
| Total risk-based capital ratio | 22.5822% | 1,366 |
| Memoranda: | ||
| Average total assets | $61,675,000 | 6,416 |
| Average earning assets | $58,366,500 | 6,328 |
| Average equity | $6,954,000 | 6,429 |
| Average total loans | $35,718,000 | 6,451 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 6,133 |
| Cost of funding earning assets | 1.7754% | 7,074 |
| Net interest margin | 4.1050% | 2,688 |
| Noninterest income to average assets | 0.7439% | 2,818 |
| Noninterest expense to average assets | 3.6197% | 2,095 |
| Loan and lease loss provision to assets | 0.4728% | 2,938 |
| Net operating income to assets | 0.4524% | 4,944 |
| Return on assets (ROA) | 0.5304% | 4,470 |
| Pretax return on assets | 0.5626% | 4,805 |
| Return on Equity (ROE) | 4.5165% | 4,592 |
| Retained earnings to average equity (ytd only) | -0.6782% | 5,504 |
| Net charge-offs to loans | 0.3275% | 3,215 |
| Credit loss provision to net charge-offs | 240.5172% | 1,945 |
| Earnings coverage of net charge-offs (x) | 4.8448% | 3,837 |
| Efficiency ratio | 79.1698% | 2,727 |
| Assets per employee ($millions) | 2.7470% | 6,682 |
| Cash dividends to net income (ytd only)* | 115.0160% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2176% | 932 |
| Loan loss allowance to noncurrent loans | 60.5405% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 2.2449% | 2,169 |
| Noncurrent loans to loans | 3.6631% | 1,377 |
| Net loans and leases to total assets | 59.9251% | 5,917 |
| Net loans and leases to deposits | 68.9780% | 6,376 |
| Net loans and leases to core deposits | 77.9687% | 6,750 |
| Total domestic deposits to total assets | 86.8757% | 1,993 |
| Equity capital to assets | 12.1362% | 2,203 |
| Core capital (leverage) ratio | 10.7561% | 2,775 |
| Tier 1 risk-based capital ratio | 22.5438% | 1,245 |
| Total risk-based capital ratio | 23.8110% | 1,219 |
| Memoranda: | ||
| Average total assets | $59,010,000 | 6,415 |
| Average earning assets | $55,031,000 | 6,369 |
| Average equity | $6,930,200 | 6,482 |
| Average total loans | $35,422,600 | 6,397 |