Home > The Citizens State Bank of Ouray > Performance and Condition Ratios
The Citizens State Bank of Ouray, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 2,449 |
| Cost of funding earning assets | 1.5491% | 3,081 |
| Net interest margin | 3.7830% | 1,714 |
| Noninterest income to average assets | 0.5200% | 1,653 |
| Noninterest expense to average assets | 3.2930% | 770 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 0.4259% | 3,684 |
| Return on assets (ROA) | 0.4259% | 3,708 |
| Pretax return on assets | 0.5419% | 3,655 |
| Return on Equity (ROE) | 6.5900% | 3,223 |
| Retained earnings to average equity (ytd only) | 6.5938% | 2,115 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 84.6116% | 707 |
| Assets per employee ($millions) | 6.5247% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,315 |
| Loan loss allowance to noncurrent loans | 3,284.7826% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,582 |
| Noncurrent loans to loans | 0.0300% | 3,559 |
| Net loans and leases to total assets | 70.5900% | 1,772 |
| Net loans and leases to deposits | 76.5805% | 2,354 |
| Net loans and leases to core deposits | 78.7799% | 2,760 |
| Total domestic deposits to total assets | 92.1800% | 244 |
| Equity capital to assets | 6.4347% | 4,169 |
| Core capital (leverage) ratio | 8.0247% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7691% | 2,278 |
| Memoranda: | ||
| Average total assets | $210,384,000 | 2,952 |
| Average earning assets | $187,468,500 | 2,995 |
| Average equity | $13,588,500 | 3,479 |
| Average total loans | $151,303,500 | 2,760 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 2,953 |
| Cost of funding earning assets | 1.9042% | 2,449 |
| Net interest margin | 3.1768% | 2,767 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 3.1009% | 993 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.1474% | 4,043 |
| Return on assets (ROA) | 0.1474% | 4,075 |
| Pretax return on assets | 0.1862% | 4,047 |
| Return on Equity (ROE) | 2.2700% | 3,958 |
| Retained earnings to average equity (ytd only) | 2.2698% | 3,287 |
| Net charge-offs to loans | 0.0049% | 2,769 |
| Credit loss provision to net charge-offs | 1,728.5714% | 272 |
| Earnings coverage of net charge-offs (x) | 72.1429% | 996 |
| Efficiency ratio | 92.6801% | 414 |
| Assets per employee ($millions) | 5.8206% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 3,272 |
| Loan loss allowance to noncurrent loans | 3,897.3684% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 3,595 |
| Noncurrent loans to loans | 0.0255% | 3,565 |
| Net loans and leases to total assets | 72.4600% | 1,617 |
| Net loans and leases to deposits | 78.1167% | 2,274 |
| Net loans and leases to core deposits | 81.1269% | 2,697 |
| Total domestic deposits to total assets | 92.7600% | 189 |
| Equity capital to assets | 6.7352% | 4,047 |
| Core capital (leverage) ratio | 8.4936% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0004% | 2,217 |
| Memoranda: | ||
| Average total assets | $206,197,800 | 2,960 |
| Average earning assets | $184,964,000 | 2,995 |
| Average equity | $13,393,000 | 3,478 |
| Average total loans | $143,364,200 | 2,790 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 3,073 |
| Cost of funding earning assets | 1.9611% | 2,313 |
| Net interest margin | 3.0179% | 3,058 |
| Noninterest income to average assets | 0.4900% | 1,945 |
| Noninterest expense to average assets | 3.0403% | 1,051 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.0883% | 4,128 |
| Return on assets (ROA) | 0.0883% | 4,156 |
| Pretax return on assets | 0.0883% | 4,161 |
| Return on Equity (ROE) | 1.3700% | 4,093 |
| Retained earnings to average equity (ytd only) | 1.3723% | 3,622 |
| Net charge-offs to loans | 0.0038% | 2,573 |
| Credit loss provision to net charge-offs | 2,625.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 60.5000% | 1,093 |
| Efficiency ratio | 95.1190% | 376 |
| Assets per employee ($millions) | 6.0993% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,224 |
| Loan loss allowance to noncurrent loans | 389.3899% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,603 |
| Noncurrent loans to loans | 0.2580% | 2,515 |
| Net loans and leases to total assets | 65.8900% | 2,336 |
| Net loans and leases to deposits | 70.6430% | 2,936 |
| Net loans and leases to core deposits | 73.4212% | 3,214 |
| Total domestic deposits to total assets | 93.2700% | 80 |
| Equity capital to assets | 6.3095% | 4,283 |
| Core capital (leverage) ratio | 7.8634% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5857% | 2,383 |
| Memoranda: | ||
| Average total assets | $206,816,750 | 2,944 |
| Average earning assets | $185,465,500 | 2,992 |
| Average equity | $13,311,000 | 3,496 |
| Average total loans | $141,928,750 | 2,796 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 3,170 |
| Cost of funding earning assets | 1.8934% | 2,380 |
| Net interest margin | 2.9716% | 3,110 |
| Noninterest income to average assets | 0.5000% | 1,865 |
| Noninterest expense to average assets | 3.0825% | 991 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.0326% | 4,195 |
| Return on assets (ROA) | 0.0326% | 4,227 |
| Pretax return on assets | 0.0326% | 4,216 |
| Return on Equity (ROE) | 0.5000% | 4,195 |
| Retained earnings to average equity (ytd only) | 0.5027% | 3,717 |
| Net charge-offs to loans | 0.0014% | 2,537 |
| Credit loss provision to net charge-offs | 6,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 803 |
| Efficiency ratio | 97.1073% | 341 |
| Assets per employee ($millions) | 5.7722% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,360 |
| Loan loss allowance to noncurrent loans | 375.2632% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 2,483 |
| Noncurrent loans to loans | 0.2623% | 2,435 |
| Net loans and leases to total assets | 69.0200% | 2,018 |
| Net loans and leases to deposits | 76.4176% | 2,508 |
| Net loans and leases to core deposits | 79.0424% | 2,858 |
| Total domestic deposits to total assets | 90.3300% | 619 |
| Equity capital to assets | 6.3133% | 4,155 |
| Core capital (leverage) ratio | 8.1969% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9621% | 2,269 |
| Memoranda: | ||
| Average total assets | $202,564,000 | 2,978 |
| Average earning assets | $182,530,333 | 3,017 |
| Average equity | $13,130,000 | 3,487 |
| Average total loans | $140,525,000 | 2,803 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 3,405 |
| Cost of funding earning assets | 1.7406% | 2,665 |
| Net interest margin | 2.9245% | 3,148 |
| Noninterest income to average assets | 0.4600% | 1,966 |
| Noninterest expense to average assets | 2.8730% | 1,299 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.2061% | 3,965 |
| Return on assets (ROA) | 0.2061% | 4,004 |
| Pretax return on assets | 0.2061% | 4,027 |
| Return on Equity (ROE) | 3.1400% | 3,828 |
| Retained earnings to average equity (ytd only) | 3.1352% | 2,946 |
| Net charge-offs to loans | 0.0058% | 1,901 |
| Credit loss provision to net charge-offs | 750.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 894 |
| Efficiency ratio | 92.4067% | 498 |
| Assets per employee ($millions) | 6.2849% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,377 |
| Loan loss allowance to noncurrent loans | 2,090.9091% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,494 |
| Noncurrent loans to loans | 0.0470% | 3,419 |
| Net loans and leases to total assets | 67.0300% | 2,120 |
| Net loans and leases to deposits | 74.0756% | 2,602 |
| Net loans and leases to core deposits | 77.0557% | 2,909 |
| Total domestic deposits to total assets | 90.4900% | 644 |
| Equity capital to assets | 6.3196% | 4,130 |
| Core capital (leverage) ratio | 8.6549% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0285% | 2,229 |
| Memoranda: | ||
| Average total assets | $199,933,500 | 2,999 |
| Average earning assets | $181,088,000 | 3,029 |
| Average equity | $13,141,000 | 3,496 |
| Average total loans | $138,358,500 | 2,825 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 3,085 |
| Cost of funding earning assets | 1.5779% | 1,749 |
| Net interest margin | 2.9294% | 3,430 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.8273% | 1,440 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.2942% | 4,038 |
| Return on assets (ROA) | 0.2942% | 4,034 |
| Pretax return on assets | 0.3236% | 4,067 |
| Return on Equity (ROE) | 4.5900% | 3,800 |
| Retained earnings to average equity (ytd only) | 4.5898% | 2,757 |
| Net charge-offs to loans | 0.0215% | 1,906 |
| Credit loss provision to net charge-offs | 489.2857% | 686 |
| Earnings coverage of net charge-offs (x) | 27.3214% | 1,688 |
| Efficiency ratio | 87.7639% | 490 |
| Assets per employee ($millions) | 6.0145% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,289 |
| Loan loss allowance to noncurrent loans | 68,350.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,854 |
| Noncurrent loans to loans | 0.0015% | 3,794 |
| Net loans and leases to total assets | 70.1200% | 1,797 |
| Net loans and leases to deposits | 75.5781% | 2,492 |
| Net loans and leases to core deposits | 78.2690% | 2,818 |
| Total domestic deposits to total assets | 92.7800% | 198 |
| Equity capital to assets | 6.8454% | 3,996 |
| Core capital (leverage) ratio | 8.4957% | 4,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5890% | 2,030 |
| Memoranda: | ||
| Average total assets | $194,071,400 | 3,022 |
| Average earning assets | $176,313,800 | 3,041 |
| Average equity | $12,440,600 | 3,488 |
| Average total loans | $130,395,400 | 2,855 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 3,195 |
| Cost of funding earning assets | 1.5229% | 1,548 |
| Net interest margin | 2.8280% | 3,679 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.7342% | 1,579 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.2756% | 4,147 |
| Return on assets (ROA) | 0.2756% | 4,148 |
| Pretax return on assets | 0.3236% | 4,143 |
| Return on Equity (ROE) | 4.3700% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.3729% | 3,160 |
| Net charge-offs to loans | -0.0041% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 87.8414% | 445 |
| Assets per employee ($millions) | 6.4127% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,320 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.2400% | 2,415 |
| Net loans and leases to deposits | 68.5301% | 2,940 |
| Net loans and leases to core deposits | 70.6430% | 3,182 |
| Total domestic deposits to total assets | 93.7300% | 213 |
| Equity capital to assets | 5.9004% | 4,025 |
| Core capital (leverage) ratio | 8.2056% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2406% | 2,186 |
| Memoranda: | ||
| Average total assets | $194,473,250 | 3,028 |
| Average earning assets | $176,941,250 | 3,041 |
| Average equity | $12,257,000 | 3,505 |
| Average total loans | $128,914,250 | 2,872 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 3,149 |
| Cost of funding earning assets | 1.4454% | 1,351 |
| Net interest margin | 2.8264% | 3,782 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.7219% | 1,591 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.2483% | 4,234 |
| Return on assets (ROA) | 0.2483% | 4,253 |
| Pretax return on assets | 0.2808% | 4,251 |
| Return on Equity (ROE) | 3.8500% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.8516% | 3,240 |
| Net charge-offs to loans | 0.0016% | 2,337 |
| Credit loss provision to net charge-offs | 8,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 403 |
| Efficiency ratio | 88.1874% | 417 |
| Assets per employee ($millions) | 6.0046% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.0600% | 2,052 |
| Net loans and leases to deposits | 72.0853% | 2,645 |
| Net loans and leases to core deposits | 73.6737% | 2,913 |
| Total domestic deposits to total assets | 93.0300% | 251 |
| Equity capital to assets | 6.6756% | 3,919 |
| Core capital (leverage) ratio | 8.7420% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7872% | 1,992 |
| Memoranda: | ||
| Average total assets | $190,895,667 | 3,059 |
| Average earning assets | $173,789,000 | 3,076 |
| Average equity | $12,306,667 | 3,508 |
| Average total loans | $127,499,333 | 2,878 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 2,903 |
| Cost of funding earning assets | 1.2989% | 1,230 |
| Net interest margin | 2.9600% | 3,677 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.7056% | 1,654 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.2880% | 4,267 |
| Return on assets (ROA) | 0.2880% | 4,226 |
| Pretax return on assets | 0.4541% | 4,052 |
| Return on Equity (ROE) | 4.5500% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.5490% | 3,119 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.4089% | 621 |
| Assets per employee ($millions) | 6.4766% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,419 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 66.9100% | 1,954 |
| Net loans and leases to deposits | 71.7481% | 2,490 |
| Net loans and leases to core deposits | 73.1555% | 2,741 |
| Total domestic deposits to total assets | 93.2600% | 264 |
| Equity capital to assets | 6.6260% | 3,990 |
| Core capital (leverage) ratio | 8.5653% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9363% | 1,994 |
| Memoranda: | ||
| Average total assets | $190,269,500 | 3,100 |
| Average earning assets | $173,375,500 | 3,117 |
| Average equity | $12,046,500 | 3,566 |
| Average total loans | $126,152,500 | 2,916 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 2,214 |
| Cost of funding earning assets | 0.4531% | 1,701 |
| Net interest margin | 3.3699% | 2,348 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.6178% | 1,781 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.6072% | 3,863 |
| Return on assets (ROA) | 0.6072% | 3,815 |
| Pretax return on assets | 0.8954% | 3,371 |
| Return on Equity (ROE) | 8.5400% | 3,244 |
| Retained earnings to average equity (ytd only) | 8.5414% | 1,625 |
| Net charge-offs to loans | 0.0052% | 2,243 |
| Credit loss provision to net charge-offs | 2,500.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 291.1667% | 500 |
| Efficiency ratio | 72.7712% | 1,353 |
| Assets per employee ($millions) | 6.6455% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,356 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 64.3800% | 2,210 |
| Net loans and leases to deposits | 68.7757% | 2,681 |
| Net loans and leases to core deposits | 69.7297% | 2,895 |
| Total domestic deposits to total assets | 93.6100% | 286 |
| Equity capital to assets | 6.0440% | 4,074 |
| Core capital (leverage) ratio | 8.4539% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7271% | 2,081 |
| Memoranda: | ||
| Average total assets | $178,355,200 | 3,207 |
| Average earning assets | $161,549,400 | 3,227 |
| Average equity | $12,679,400 | 3,603 |
| Average total loans | $114,700,800 | 2,981 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 1,936 |
| Cost of funding earning assets | 0.2886% | 2,290 |
| Net interest margin | 3.4486% | 1,812 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.5405% | 1,890 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.6782% | 3,625 |
| Return on assets (ROA) | 0.6782% | 3,586 |
| Pretax return on assets | 1.0307% | 2,931 |
| Return on Equity (ROE) | 9.1600% | 2,988 |
| Retained earnings to average equity (ytd only) | 9.1619% | 1,595 |
| Net charge-offs to loans | 0.0059% | 1,947 |
| Credit loss provision to net charge-offs | 2,100.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 291.2000% | 484 |
| Efficiency ratio | 69.5779% | 1,812 |
| Assets per employee ($millions) | 6.4623% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,496 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 62.1000% | 2,275 |
| Net loans and leases to deposits | 66.2275% | 2,701 |
| Net loans and leases to core deposits | 67.2691% | 2,859 |
| Total domestic deposits to total assets | 93.7700% | 402 |
| Equity capital to assets | 5.9097% | 3,998 |
| Core capital (leverage) ratio | 8.5904% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6127% | 2,212 |
| Memoranda: | ||
| Average total assets | $174,764,250 | 3,259 |
| Average earning assets | $157,973,000 | 3,286 |
| Average equity | $12,937,250 | 3,619 |
| Average total loans | $112,044,000 | 3,019 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 1,820 |
| Cost of funding earning assets | 0.1714% | 3,295 |
| Net interest margin | 3.4371% | 1,491 |
| Noninterest income to average assets | 0.5416% | 1,986 |
| Noninterest expense to average assets | 2.5666% | 1,735 |
| Loan and lease loss provision to assets | 0.1069% | 933 |
| Net operating income to assets | 0.5380% | 3,802 |
| Return on assets (ROA) | 0.5380% | 3,757 |
| Pretax return on assets | 0.9644% | 2,849 |
| Return on Equity (ROE) | 6.7458% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.7458% | 2,072 |
| Net charge-offs to loans | 0.0073% | 1,727 |
| Credit loss provision to net charge-offs | 2,250.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 225.5000% | 505 |
| Efficiency ratio | 70.5517% | 1,880 |
| Assets per employee ($millions) | 5.7265% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.7626% | 2,040 |
| Net loans and leases to deposits | 67.4537% | 2,435 |
| Net loans and leases to core deposits | 68.7986% | 2,583 |
| Total domestic deposits to total assets | 93.0454% | 505 |
| Equity capital to assets | 6.7591% | 3,902 |
| Core capital (leverage) ratio | 8.9745% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3111% | 1,935 |
| Memoranda: | ||
| Average total assets | $168,396,000 | 3,347 |
| Average earning assets | $151,697,333 | 3,381 |
| Average equity | $13,430,667 | 3,642 |
| Average total loans | $108,853,667 | 3,078 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 1,607 |
| Cost of funding earning assets | 0.1246% | 3,840 |
| Net interest margin | 3.4393% | 1,208 |
| Noninterest income to average assets | 0.5420% | 1,940 |
| Noninterest expense to average assets | 2.4781% | 1,940 |
| Loan and lease loss provision to assets | 0.1172% | 712 |
| Net operating income to assets | 0.7691% | 2,778 |
| Return on assets (ROA) | 0.7691% | 2,769 |
| Pretax return on assets | 1.0474% | 2,302 |
| Return on Equity (ROE) | 8.9068% | 2,350 |
| Retained earnings to average equity (ytd only) | 8.9068% | 1,292 |
| Net charge-offs to loans | 0.0075% | 1,474 |
| Credit loss provision to net charge-offs | 2,400.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 238.5000% | 382 |
| Efficiency ratio | 68.0295% | 2,503 |
| Assets per employee ($millions) | 5.3500% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 63.6720% | 1,662 |
| Net loans and leases to deposits | 69.4481% | 2,013 |
| Net loans and leases to core deposits | 71.1073% | 2,195 |
| Total domestic deposits to total assets | 91.6828% | 705 |
| Equity capital to assets | 8.0669% | 3,517 |
| Core capital (leverage) ratio | 9.3841% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2647% | 1,701 |
| Memoranda: | ||
| Average total assets | $163,832,500 | 3,392 |
| Average earning assets | $147,706,000 | 3,429 |
| Average equity | $14,146,500 | 3,641 |
| Average total loans | $106,971,500 | 3,098 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 618 |
| Cost of funding earning assets | 0.1513% | 3,960 |
| Net interest margin | 4.3303% | 376 |
| Noninterest income to average assets | 0.5981% | 2,163 |
| Noninterest expense to average assets | 2.6137% | 1,833 |
| Loan and lease loss provision to assets | 0.2266% | 442 |
| Net operating income to assets | 1.3471% | 1,457 |
| Return on assets (ROA) | 1.3883% | 1,370 |
| Pretax return on assets | 1.7289% | 1,073 |
| Return on Equity (ROE) | 15.9500% | 771 |
| Retained earnings to average equity (ytd only) | 15.9500% | 177 |
| Net charge-offs to loans | 0.0111% | 2,149 |
| Credit loss provision to net charge-offs | 3,116.6667% | 217 |
| Earnings coverage of net charge-offs (x) | 261.8333% | 449 |
| Efficiency ratio | 57.8538% | 3,469 |
| Assets per employee ($millions) | 5.3938% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,602 |
| Loan loss allowance to noncurrent loans | 111,400.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,209 |
| Noncurrent loans to loans | 0.0009% | 4,128 |
| Net loans and leases to total assets | 65.5495% | 1,525 |
| Net loans and leases to deposits | 72.7212% | 1,836 |
| Net loans and leases to core deposits | 73.8128% | 2,098 |
| Total domestic deposits to total assets | 90.1381% | 896 |
| Equity capital to assets | 9.2167% | 3,405 |
| Core capital (leverage) ratio | 8.9232% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7065% | 1,970 |
| Memoranda: | ||
| Average total assets | $165,018,200 | 3,345 |
| Average earning assets | $149,364,800 | 3,381 |
| Average equity | $14,363,600 | 3,702 |
| Average total loans | $108,144,600 | 3,101 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 447 |
| Cost of funding earning assets | 0.1580% | 4,034 |
| Net interest margin | 4.5914% | 271 |
| Noninterest income to average assets | 0.5998% | 2,215 |
| Noninterest expense to average assets | 2.4596% | 2,241 |
| Loan and lease loss provision to assets | 0.2503% | 369 |
| Net operating income to assets | 1.6475% | 922 |
| Return on assets (ROA) | 1.7022% | 863 |
| Pretax return on assets | 2.1171% | 658 |
| Return on Equity (ROE) | 19.8411% | 438 |
| Retained earnings to average equity (ytd only) | 19.8411% | 137 |
| Net charge-offs to loans | 0.0148% | 1,793 |
| Credit loss provision to net charge-offs | 2,591.6667% | 267 |
| Earnings coverage of net charge-offs (x) | 238.2500% | 500 |
| Efficiency ratio | 51.6898% | 4,052 |
| Assets per employee ($millions) | 5.9020% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.1793% | 2,234 |
| Net loans and leases to deposits | 67.6739% | 2,467 |
| Net loans and leases to core deposits | 68.6463% | 2,719 |
| Total domestic deposits to total assets | 88.9254% | 1,325 |
| Equity capital to assets | 8.7277% | 4,048 |
| Core capital (leverage) ratio | 8.8199% | 3,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7450% | 2,070 |
| Memoranda: | ||
| Average total assets | $165,819,000 | 3,367 |
| Average earning assets | $150,189,750 | 3,413 |
| Average equity | $14,226,000 | 3,764 |
| Average total loans | $108,385,000 | 3,138 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 198 |
| Cost of funding earning assets | 0.1522% | 4,192 |
| Net interest margin | 5.2312% | 132 |
| Noninterest income to average assets | 0.5852% | 2,277 |
| Noninterest expense to average assets | 2.5091% | 2,115 |
| Loan and lease loss provision to assets | 0.2170% | 494 |
| Net operating income to assets | 2.0775% | 422 |
| Return on assets (ROA) | 2.1605% | 384 |
| Pretax return on assets | 2.6969% | 260 |
| Return on Equity (ROE) | 25.3348% | 178 |
| Retained earnings to average equity (ytd only) | 25.3348% | 67 |
| Net charge-offs to loans | 0.0127% | 1,698 |
| Credit loss provision to net charge-offs | 2,542.8571% | 238 |
| Earnings coverage of net charge-offs (x) | 329.2857% | 352 |
| Efficiency ratio | 47.1694% | 4,448 |
| Assets per employee ($millions) | 7.0211% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7823% | 4,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 66.6912% | 1,611 |
| Net loans and leases to deposits | 80.0247% | 1,422 |
| Net loans and leases to core deposits | 81.3879% | 1,768 |
| Total domestic deposits to total assets | 83.3382% | 3,628 |
| Equity capital to assets | 8.2979% | 4,355 |
| Core capital (leverage) ratio | 9.1449% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8413% | 2,032 |
| Memoranda: | ||
| Average total assets | $164,039,667 | 3,395 |
| Average earning assets | $148,455,000 | 3,440 |
| Average equity | $13,988,667 | 3,794 |
| Average total loans | $109,829,333 | 3,132 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9655% | 50 |
| Cost of funding earning assets | 0.1592% | 4,242 |
| Net interest margin | 6.8063% | 40 |
| Noninterest income to average assets | 0.5458% | 2,420 |
| Noninterest expense to average assets | 2.2388% | 2,978 |
| Loan and lease loss provision to assets | 0.1213% | 1,129 |
| Net operating income to assets | 4.1856% | 71 |
| Return on assets (ROA) | 4.3918% | 71 |
| Pretax return on assets | 4.5585% | 83 |
| Return on Equity (ROE) | 50.7427% | 29 |
| Retained earnings to average equity (ytd only) | 50.7427% | 15 |
| Net charge-offs to loans | 0.0151% | 1,444 |
| Credit loss provision to net charge-offs | 1,200.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 441.7500% | 214 |
| Efficiency ratio | 33.3962% | 4,880 |
| Assets per employee ($millions) | 6.6837% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 4,576 |
| Loan loss allowance to noncurrent loans | 39,800.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 4,139 |
| Noncurrent loans to loans | 0.0017% | 4,330 |
| Net loans and leases to total assets | 67.9452% | 1,542 |
| Net loans and leases to deposits | 79.5983% | 1,560 |
| Net loans and leases to core deposits | 80.9883% | 1,911 |
| Total domestic deposits to total assets | 85.3602% | 2,974 |
| Equity capital to assets | 8.5971% | 4,047 |
| Core capital (leverage) ratio | 9.1365% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3607% | 2,136 |
| Memoranda: | ||
| Average total assets | $158,296,000 | 3,456 |
| Average earning assets | $143,221,000 | 3,483 |
| Average equity | $13,700,500 | 3,823 |
| Average total loans | $105,752,000 | 3,193 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 2,300 |
| Cost of funding earning assets | 0.3336% | 3,959 |
| Net interest margin | 3.8108% | 1,471 |
| Noninterest income to average assets | 1.0729% | 926 |
| Noninterest expense to average assets | 3.0304% | 1,374 |
| Loan and lease loss provision to assets | 0.2934% | 1,291 |
| Net operating income to assets | 0.9303% | 2,561 |
| Return on assets (ROA) | 1.0008% | 2,432 |
| Pretax return on assets | 1.2200% | 2,260 |
| Return on Equity (ROE) | 11.1574% | 1,570 |
| Retained earnings to average equity (ytd only) | 9.6900% | 644 |
| Net charge-offs to loans | 0.1693% | 986 |
| Credit loss provision to net charge-offs | 280.9859% | 1,802 |
| Earnings coverage of net charge-offs (x) | 13.6690% | 2,265 |
| Efficiency ratio | 67.9809% | 2,238 |
| Assets per employee ($millions) | 5.3393% | 3,007 |
| Cash dividends to net income (ytd only)* | 13.1521% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7738% | 4,477 |
| Loan loss allowance to noncurrent loans | 15,040.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,174 |
| Noncurrent loans to loans | 0.0051% | 4,375 |
| Net loans and leases to total assets | 64.4983% | 2,297 |
| Net loans and leases to deposits | 71.1456% | 2,769 |
| Net loans and leases to core deposits | 72.4085% | 3,040 |
| Total domestic deposits to total assets | 90.6569% | 318 |
| Equity capital to assets | 8.7197% | 4,279 |
| Core capital (leverage) ratio | 8.4185% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5953% | 1,655 |
| Memoranda: | ||
| Average total assets | $135,987,600 | 3,557 |
| Average earning assets | $120,788,000 | 3,615 |
| Average equity | $12,198,200 | 3,955 |
| Average total loans | $83,885,200 | 3,500 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1343% | 2,572 |
| Cost of funding earning assets | 0.3805% | 3,913 |
| Net interest margin | 3.7538% | 1,750 |
| Noninterest income to average assets | 0.5389% | 2,430 |
| Noninterest expense to average assets | 2.8263% | 1,897 |
| Loan and lease loss provision to assets | 0.3107% | 1,288 |
| Net operating income to assets | 0.5415% | 3,924 |
| Return on assets (ROA) | 0.6344% | 3,769 |
| Pretax return on assets | 0.8426% | 3,536 |
| Return on Equity (ROE) | 7.0175% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.0379% | 2,541 |
| Net charge-offs to loans | 0.2350% | 652 |
| Credit loss provision to net charge-offs | 217.6056% | 2,045 |
| Earnings coverage of net charge-offs (x) | 7.2535% | 2,592 |
| Efficiency ratio | 73.1841% | 1,496 |
| Assets per employee ($millions) | 6.4991% | 1,834 |
| Cash dividends to net income (ytd only)* | 28.2092% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 4,626 |
| Loan loss allowance to noncurrent loans | 33,100.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,281 |
| Noncurrent loans to loans | 0.0020% | 4,458 |
| Net loans and leases to total assets | 65.8828% | 2,533 |
| Net loans and leases to deposits | 72.4615% | 3,090 |
| Net loans and leases to core deposits | 74.0498% | 3,320 |
| Total domestic deposits to total assets | 90.9211% | 189 |
| Equity capital to assets | 8.2567% | 4,600 |
| Core capital (leverage) ratio | 8.2731% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7096% | 1,588 |
| Memoranda: | ||
| Average total assets | $132,609,500 | 3,583 |
| Average earning assets | $117,389,000 | 3,642 |
| Average equity | $11,988,750 | 3,981 |
| Average total loans | $80,562,250 | 3,564 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 2,941 |
| Cost of funding earning assets | 0.4361% | 3,863 |
| Net interest margin | 3.7019% | 2,153 |
| Noninterest income to average assets | 0.4835% | 2,634 |
| Noninterest expense to average assets | 2.9609% | 1,685 |
| Loan and lease loss provision to assets | 0.4079% | 983 |
| Net operating income to assets | 0.1244% | 4,655 |
| Return on assets (ROA) | 0.1244% | 4,688 |
| Pretax return on assets | 0.3764% | 4,439 |
| Return on Equity (ROE) | 1.3310% | 4,647 |
| Retained earnings to average equity (ytd only) | 1.3310% | 3,999 |
| Net charge-offs to loans | 0.3873% | 405 |
| Credit loss provision to net charge-offs | 179.8611% | 1,995 |
| Earnings coverage of net charge-offs (x) | 3.4583% | 2,676 |
| Efficiency ratio | 79.0580% | 956 |
| Assets per employee ($millions) | 5.5945% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6466% | 4,674 |
| Loan loss allowance to noncurrent loans | 30,500.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 4,420 |
| Noncurrent loans to loans | 0.0021% | 4,522 |
| Net loans and leases to total assets | 64.4346% | 2,831 |
| Net loans and leases to deposits | 73.4031% | 3,132 |
| Net loans and leases to core deposits | 75.1042% | 3,363 |
| Total domestic deposits to total assets | 87.7819% | 1,292 |
| Equity capital to assets | 8.3345% | 4,571 |
| Core capital (leverage) ratio | 8.6783% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0885% | 1,772 |
| Memoranda: | ||
| Average total assets | $126,986,333 | 3,635 |
| Average earning assets | $111,888,333 | 3,711 |
| Average equity | $11,871,000 | 4,000 |
| Average total loans | $74,368,667 | 3,674 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 4,044 |
| Cost of funding earning assets | 0.4942% | 3,969 |
| Net interest margin | 3.4009% | 3,294 |
| Noninterest income to average assets | 0.4926% | 2,585 |
| Noninterest expense to average assets | 3.1898% | 1,447 |
| Loan and lease loss provision to assets | 0.5435% | 531 |
| Net operating income to assets | -0.4756% | 4,924 |
| Return on assets (ROA) | -0.4756% | 4,899 |
| Pretax return on assets | -0.2718% | 4,839 |
| Return on Equity (ROE) | -4.7680% | 4,914 |
| Retained earnings to average equity (ytd only) | -4.7680% | 4,504 |
| Net charge-offs to loans | -0.0062% | 3,920 |
| Credit loss provision to net charge-offs | -16,000.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1492% | 424 |
| Assets per employee ($millions) | 4.7840% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 3,727 |
| Loan loss allowance to noncurrent loans | 154.3529% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 2,898 |
| Noncurrent loans to loans | 0.6461% | 2,374 |
| Net loans and leases to total assets | 54.4532% | 3,947 |
| Net loans and leases to deposits | 60.8126% | 4,169 |
| Net loans and leases to core deposits | 62.4998% | 4,258 |
| Total domestic deposits to total assets | 89.5426% | 460 |
| Equity capital to assets | 9.9398% | 3,846 |
| Core capital (leverage) ratio | 9.7172% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0378% | 1,591 |
| Memoranda: | ||
| Average total assets | $117,751,500 | 3,734 |
| Average earning assets | $102,796,000 | 3,841 |
| Average equity | $11,745,000 | 4,027 |
| Average total loans | $64,386,000 | 3,877 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 4,572 |
| Cost of funding earning assets | 0.3209% | 4,680 |
| Net interest margin | 3.4762% | 3,517 |
| Noninterest income to average assets | 0.4814% | 2,846 |
| Noninterest expense to average assets | 2.9868% | 2,052 |
| Loan and lease loss provision to assets | 0.1171% | 1,805 |
| Net operating income to assets | 1.0402% | 2,697 |
| Return on assets (ROA) | 1.0402% | 2,789 |
| Pretax return on assets | 0.5136% | 4,551 |
| Return on Equity (ROE) | 10.5001% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.5001% | 399 |
| Net charge-offs to loans | 0.0287% | 2,824 |
| Credit loss provision to net charge-offs | 793.7500% | 417 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 1,253 |
| Efficiency ratio | 82.5644% | 766 |
| Assets per employee ($millions) | 4.2927% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 4,347 |
| Loan loss allowance to noncurrent loans | 171.8750% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 3,442 |
| Noncurrent loans to loans | 0.4572% | 2,808 |
| Net loans and leases to total assets | 53.9201% | 4,079 |
| Net loans and leases to deposits | 60.1758% | 4,277 |
| Net loans and leases to core deposits | 61.4709% | 4,368 |
| Total domestic deposits to total assets | 89.6042% | 460 |
| Equity capital to assets | 10.0101% | 3,907 |
| Core capital (leverage) ratio | 9.8479% | 3,678 |
| Tier 1 risk-based capital ratio | 16.2018% | 2,327 |
| Total risk-based capital ratio | 16.9066% | 2,459 |
| Memoranda: | ||
| Average total assets | $108,443,800 | 3,852 |
| Average earning assets | $97,836,200 | 3,915 |
| Average equity | $10,742,800 | 4,155 |
| Average total loans | $55,662,200 | 4,061 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7598% | 4,714 |
| Cost of funding earning assets | 0.2730% | 4,864 |
| Net interest margin | 3.4868% | 3,601 |
| Noninterest income to average assets | 0.5192% | 2,610 |
| Noninterest expense to average assets | 2.9799% | 2,034 |
| Loan and lease loss provision to assets | 0.1176% | 1,663 |
| Net operating income to assets | 0.7644% | 3,795 |
| Return on assets (ROA) | 0.7644% | 3,863 |
| Pretax return on assets | 0.5855% | 4,566 |
| Return on Equity (ROE) | 7.7379% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.7379% | 1,523 |
| Net charge-offs to loans | 0.0297% | 2,484 |
| Credit loss provision to net charge-offs | 783.3333% | 440 |
| Earnings coverage of net charge-offs (x) | 46.8319% | 1,244 |
| Efficiency ratio | 80.9103% | 842 |
| Assets per employee ($millions) | 4.6881% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7867% | 4,448 |
| Loan loss allowance to noncurrent loans | 154.3046% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 3,210 |
| Noncurrent loans to loans | 0.5099% | 2,764 |
| Net loans and leases to total assets | 50.1404% | 4,423 |
| Net loans and leases to deposits | 55.7986% | 4,560 |
| Net loans and leases to core deposits | 57.1226% | 4,650 |
| Total domestic deposits to total assets | 89.8595% | 322 |
| Equity capital to assets | 9.4545% | 4,495 |
| Core capital (leverage) ratio | 9.7477% | 3,914 |
| Tier 1 risk-based capital ratio | 18.2908% | 1,737 |
| Total risk-based capital ratio | 19.0775% | 1,812 |
| Memoranda: | ||
| Average total assets | $106,579,000 | 3,924 |
| Average earning assets | $96,704,750 | 3,968 |
| Average equity | $10,528,000 | 4,225 |
| Average total loans | $53,830,250 | 4,152 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 4,790 |
| Cost of funding earning assets | 0.2436% | 4,972 |
| Net interest margin | 3.4911% | 3,623 |
| Noninterest income to average assets | 0.4503% | 2,958 |
| Noninterest expense to average assets | 2.9756% | 2,071 |
| Loan and lease loss provision to assets | 0.1184% | 1,579 |
| Net operating income to assets | 0.7512% | 3,823 |
| Return on assets (ROA) | 0.7512% | 3,887 |
| Pretax return on assets | 0.5280% | 4,659 |
| Return on Equity (ROE) | 7.4828% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.4828% | 1,610 |
| Net charge-offs to loans | 0.0461% | 1,990 |
| Credit loss provision to net charge-offs | 508.3333% | 586 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 1,527 |
| Efficiency ratio | 82.1543% | 791 |
| Assets per employee ($millions) | 4.5752% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 4,554 |
| Loan loss allowance to noncurrent loans | 143.3775% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,034 |
| Noncurrent loans to loans | 0.5357% | 2,673 |
| Net loans and leases to total assets | 53.1612% | 4,281 |
| Net loans and leases to deposits | 59.7143% | 4,445 |
| Net loans and leases to core deposits | 60.7916% | 4,548 |
| Total domestic deposits to total assets | 89.0258% | 650 |
| Equity capital to assets | 10.2472% | 3,749 |
| Core capital (leverage) ratio | 10.3950% | 3,197 |
| Tier 1 risk-based capital ratio | 17.2316% | 2,019 |
| Total risk-based capital ratio | 17.9368% | 2,127 |
| Memoranda: | ||
| Average total assets | $103,037,670 | 4,016 |
| Average earning assets | $93,610,000 | 4,043 |
| Average equity | $10,343,670 | 4,258 |
| Average total loans | $52,029,670 | 4,219 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 5,024 |
| Cost of funding earning assets | 0.1933% | 5,131 |
| Net interest margin | 3.3328% | 4,086 |
| Noninterest income to average assets | 0.5062% | 2,519 |
| Noninterest expense to average assets | 2.8526% | 2,405 |
| Loan and lease loss provision to assets | 0.0902% | 1,905 |
| Net operating income to assets | 0.9182% | 3,169 |
| Return on assets (ROA) | 0.9182% | 3,205 |
| Pretax return on assets | 0.6082% | 4,496 |
| Return on Equity (ROE) | 9.2454% | 2,694 |
| Retained earnings to average equity (ytd only) | 9.2454% | 1,237 |
| Net charge-offs to loans | 0.0160% | 2,157 |
| Credit loss provision to net charge-offs | 1,150.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 717 |
| Efficiency ratio | 80.3315% | 1,026 |
| Assets per employee ($millions) | 4.4224% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 4,525 |
| Loan loss allowance to noncurrent loans | 1,446.4286% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,184 |
| Noncurrent loans to loans | 0.0553% | 4,520 |
| Net loans and leases to total assets | 49.4027% | 4,504 |
| Net loans and leases to deposits | 55.4862% | 4,627 |
| Net loans and leases to core deposits | 56.3316% | 4,699 |
| Total domestic deposits to total assets | 89.0360% | 841 |
| Equity capital to assets | 10.2079% | 3,613 |
| Core capital (leverage) ratio | 10.2236% | 3,358 |
| Tier 1 risk-based capital ratio | 18.5158% | 1,657 |
| Total risk-based capital ratio | 19.2371% | 1,757 |
| Memoranda: | ||
| Average total assets | $101,942,000 | 4,072 |
| Average earning assets | $93,136,000 | 4,093 |
| Average equity | $10,124,000 | 4,310 |
| Average total loans | $49,857,500 | 4,303 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3268% | 5,061 |
| Cost of funding earning assets | 0.1962% | 5,021 |
| Net interest margin | 3.1306% | 4,607 |
| Noninterest income to average assets | 0.6826% | 1,923 |
| Noninterest expense to average assets | 2.9843% | 2,085 |
| Loan and lease loss provision to assets | 0.1606% | 1,277 |
| Net operating income to assets | 0.4090% | 4,845 |
| Return on assets (ROA) | 0.4005% | 4,859 |
| Pretax return on assets | 0.4276% | 4,911 |
| Return on Equity (ROE) | 4.1594% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.9509% | 3,400 |
| Net charge-offs to loans | -0.0045% | 4,331 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3240% | 692 |
| Assets per employee ($millions) | 5.1085% | 2,373 |
| Cash dividends to net income (ytd only)* | 5.0125% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,594 |
| Loan loss allowance to noncurrent loans | 276.2590% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,139 |
| Noncurrent loans to loans | 0.2833% | 3,551 |
| Net loans and leases to total assets | 47.6426% | 4,663 |
| Net loans and leases to deposits | 53.1885% | 4,776 |
| Net loans and leases to core deposits | 54.0094% | 4,848 |
| Total domestic deposits to total assets | 89.5732% | 633 |
| Equity capital to assets | 9.6556% | 3,997 |
| Core capital (leverage) ratio | 10.0005% | 3,575 |
| Tier 1 risk-based capital ratio | 18.6508% | 1,584 |
| Total risk-based capital ratio | 19.3576% | 1,686 |
| Memoranda: | ||
| Average total assets | $99,621,200 | 4,106 |
| Average earning assets | $92,251,000 | 4,098 |
| Average equity | $9,592,800 | 4,374 |
| Average total loans | $44,618,800 | 4,441 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2608% | 5,159 |
| Cost of funding earning assets | 0.1901% | 5,054 |
| Net interest margin | 3.0707% | 4,753 |
| Noninterest income to average assets | 0.6196% | 2,210 |
| Noninterest expense to average assets | 3.0213% | 1,946 |
| Loan and lease loss provision to assets | 0.0916% | 2,146 |
| Net operating income to assets | 0.3543% | 5,024 |
| Return on assets (ROA) | 0.3543% | 5,021 |
| Pretax return on assets | 0.3570% | 5,080 |
| Return on Equity (ROE) | 3.6816% | 4,889 |
| Retained earnings to average equity (ytd only) | 3.4016% | 4,063 |
| Net charge-offs to loans | -0.0153% | 4,533 |
| Credit loss provision to net charge-offs | -1,360.0000% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0730% | 455 |
| Assets per employee ($millions) | 4.9156% | 2,574 |
| Cash dividends to net income (ytd only)* | 7.6057% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 5,029 |
| Loan loss allowance to noncurrent loans | 263.3929% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 4,429 |
| Noncurrent loans to loans | 0.2312% | 3,879 |
| Net loans and leases to total assets | 46.6337% | 4,773 |
| Net loans and leases to deposits | 51.8354% | 4,889 |
| Net loans and leases to core deposits | 52.9093% | 4,939 |
| Total domestic deposits to total assets | 89.9649% | 519 |
| Equity capital to assets | 9.2911% | 4,288 |
| Core capital (leverage) ratio | 9.9106% | 3,728 |
| Tier 1 risk-based capital ratio | 18.0930% | 1,763 |
| Total risk-based capital ratio | 18.6289% | 1,923 |
| Memoranda: | ||
| Average total assets | $98,984,250 | 4,159 |
| Average earning assets | $91,876,750 | 4,146 |
| Average equity | $9,524,750 | 4,419 |
| Average total loans | $43,508,500 | 4,514 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2438% | 5,189 |
| Cost of funding earning assets | 0.1873% | 5,088 |
| Net interest margin | 3.0565% | 4,800 |
| Noninterest income to average assets | 0.6067% | 2,291 |
| Noninterest expense to average assets | 3.0214% | 1,988 |
| Loan and lease loss provision to assets | 0.0984% | 1,968 |
| Net operating income to assets | 0.3280% | 5,083 |
| Return on assets (ROA) | 0.3280% | 5,078 |
| Pretax return on assets | 0.3300% | 5,132 |
| Return on Equity (ROE) | 3.3675% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.9465% | 4,073 |
| Net charge-offs to loans | -0.0478% | 4,904 |
| Credit loss provision to net charge-offs | -480.0000% | 4,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5817% | 490 |
| Assets per employee ($millions) | 4.4243% | 3,243 |
| Cash dividends to net income (ytd only)* | 12.5000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 5,043 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,420 |
| Noncurrent loans to loans | 0.2547% | 3,788 |
| Net loans and leases to total assets | 44.8852% | 4,872 |
| Net loans and leases to deposits | 50.6152% | 4,961 |
| Net loans and leases to core deposits | 51.5334% | 5,010 |
| Total domestic deposits to total assets | 88.6793% | 1,065 |
| Equity capital to assets | 9.7581% | 3,863 |
| Core capital (leverage) ratio | 10.2047% | 3,356 |
| Tier 1 risk-based capital ratio | 19.0351% | 1,543 |
| Total risk-based capital ratio | 19.5778% | 1,682 |
| Memoranda: | ||
| Average total assets | $97,569,670 | 4,217 |
| Average earning assets | $90,756,670 | 4,211 |
| Average equity | $9,502,670 | 4,458 |
| Average total loans | $41,866,670 | 4,590 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 5,264 |
| Cost of funding earning assets | 0.1625% | 5,206 |
| Net interest margin | 2.9996% | 4,884 |
| Noninterest income to average assets | 0.5364% | 2,605 |
| Noninterest expense to average assets | 2.8499% | 2,532 |
| Loan and lease loss provision to assets | 0.1228% | 1,538 |
| Net operating income to assets | 0.2989% | 5,096 |
| Return on assets (ROA) | 0.2989% | 5,097 |
| Pretax return on assets | 0.3603% | 5,086 |
| Return on Equity (ROE) | 3.0721% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.0721% | 3,977 |
| Net charge-offs to loans | -0.0098% | 4,236 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5037% | 679 |
| Assets per employee ($millions) | 3.9866% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 5,150 |
| Loan loss allowance to noncurrent loans | 225.8929% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,510 |
| Noncurrent loans to loans | 0.2750% | 3,784 |
| Net loans and leases to total assets | 42.2971% | 4,967 |
| Net loans and leases to deposits | 47.8108% | 5,045 |
| Net loans and leases to core deposits | 48.6945% | 5,080 |
| Total domestic deposits to total assets | 88.4676% | 1,371 |
| Equity capital to assets | 9.8497% | 3,750 |
| Core capital (leverage) ratio | 10.0395% | 3,485 |
| Tier 1 risk-based capital ratio | 19.8088% | 1,378 |
| Total risk-based capital ratio | 20.3245% | 1,497 |
| Memoranda: | ||
| Average total assets | $97,687,000 | 4,252 |
| Average earning assets | $91,078,500 | 4,248 |
| Average equity | $9,505,000 | 4,506 |
| Average total loans | $40,815,500 | 4,668 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8777% | 5,428 |
| Cost of funding earning assets | 0.1319% | 5,357 |
| Net interest margin | 2.7458% | 5,230 |
| Noninterest income to average assets | 0.7599% | 1,735 |
| Noninterest expense to average assets | 3.4195% | 1,172 |
| Loan and lease loss provision to assets | 0.1395% | 1,641 |
| Net operating income to assets | 0.3445% | 4,840 |
| Return on assets (ROA) | 0.3445% | 4,865 |
| Pretax return on assets | -0.2207% | 5,503 |
| Return on Equity (ROE) | 3.4811% | 4,692 |
| Retained earnings to average equity (ytd only) | 2.9973% | 3,505 |
| Net charge-offs to loans | -0.0626% | 5,244 |
| Credit loss provision to net charge-offs | -638.0952% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4322% | 148 |
| Assets per employee ($millions) | 3.9878% | 3,984 |
| Cash dividends to net income (ytd only)* | 13.8973% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 5,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.8111% | 5,100 |
| Net loans and leases to deposits | 46.1215% | 5,188 |
| Net loans and leases to core deposits | 46.9382% | 5,222 |
| Total domestic deposits to total assets | 88.4860% | 1,258 |
| Equity capital to assets | 9.6152% | 4,130 |
| Core capital (leverage) ratio | 9.5787% | 3,939 |
| Tier 1 risk-based capital ratio | 19.2845% | 1,451 |
| Total risk-based capital ratio | 19.7260% | 1,607 |
| Memoranda: | ||
| Average total assets | $96,067,800 | 4,312 |
| Average earning assets | $90,210,200 | 4,285 |
| Average equity | $9,508,400 | 4,523 |
| Average total loans | $33,548,400 | 4,908 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8117% | 5,514 |
| Cost of funding earning assets | 0.1311% | 5,420 |
| Net interest margin | 2.6807% | 5,345 |
| Noninterest income to average assets | 0.7986% | 1,601 |
| Noninterest expense to average assets | 3.2688% | 1,412 |
| Loan and lease loss provision to assets | 0.1877% | 1,040 |
| Net operating income to assets | 0.0168% | 5,505 |
| Return on assets (ROA) | 0.0168% | 5,510 |
| Pretax return on assets | -0.1359% | 5,561 |
| Return on Equity (ROE) | 0.1686% | 5,507 |
| Retained earnings to average equity (ytd only) | -0.1124% | 5,220 |
| Net charge-offs to loans | -0.0799% | 5,314 |
| Credit loss provision to net charge-offs | -705.2632% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4388% | 195 |
| Assets per employee ($millions) | 3.7601% | 4,353 |
| Cash dividends to net income (ytd only)* | 166.6875% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 5,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 34.8794% | 5,390 |
| Net loans and leases to deposits | 39.0514% | 5,440 |
| Net loans and leases to core deposits | 39.5353% | 5,471 |
| Total domestic deposits to total assets | 89.3168% | 739 |
| Equity capital to assets | 9.4283% | 4,513 |
| Core capital (leverage) ratio | 9.5246% | 4,134 |
| Tier 1 risk-based capital ratio | 20.6319% | 1,258 |
| Total risk-based capital ratio | 21.1162% | 1,355 |
| Memoranda: | ||
| Average total assets | $95,160,750 | 4,368 |
| Average earning assets | $89,527,250 | 4,342 |
| Average equity | $9,489,000 | 4,577 |
| Average total loans | $31,708,250 | 5,025 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7672% | 5,571 |
| Cost of funding earning assets | 0.1321% | 5,436 |
| Net interest margin | 2.6351% | 5,414 |
| Noninterest income to average assets | 0.7567% | 1,743 |
| Noninterest expense to average assets | 3.4501% | 1,079 |
| Loan and lease loss provision to assets | 0.2880% | 543 |
| Net operating income to assets | -0.2945% | 5,642 |
| Return on assets (ROA) | -0.2945% | 5,644 |
| Pretax return on assets | -0.4944% | 5,666 |
| Return on Equity (ROE) | -2.8960% | 5,647 |
| Retained earnings to average equity (ytd only) | -3.3188% | 5,452 |
| Net charge-offs to loans | -0.1184% | 5,461 |
| Credit loss provision to net charge-offs | -744.4444% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3618% | 130 |
| Assets per employee ($millions) | 3.5794% | 4,608 |
| Cash dividends to net income (ytd only)* | -14.5985% | 5,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6256% | 5,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 37.3829% | 5,322 |
| Net loans and leases to deposits | 42.2599% | 5,391 |
| Net loans and leases to core deposits | 42.8364% | 5,424 |
| Total domestic deposits to total assets | 88.4596% | 1,224 |
| Equity capital to assets | 10.1479% | 3,740 |
| Core capital (leverage) ratio | 9.9385% | 3,608 |
| Tier 1 risk-based capital ratio | 20.4805% | 1,275 |
| Total risk-based capital ratio | 20.9746% | 1,393 |
| Memoranda: | ||
| Average total assets | $93,039,670 | 4,436 |
| Average earning assets | $87,814,330 | 4,403 |
| Average equity | $9,461,330 | 4,599 |
| Average total loans | $30,400,670 | 5,102 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6909% | 5,648 |
| Cost of funding earning assets | 0.1309% | 5,482 |
| Net interest margin | 2.5599% | 5,495 |
| Noninterest income to average assets | 0.8299% | 1,457 |
| Noninterest expense to average assets | 3.3237% | 1,337 |
| Loan and lease loss provision to assets | 0.0430% | 2,942 |
| Net operating income to assets | -0.0129% | 5,610 |
| Return on assets (ROA) | -0.0129% | 5,617 |
| Pretax return on assets | -0.0989% | 5,642 |
| Return on Equity (ROE) | -0.1267% | 5,619 |
| Retained earnings to average equity (ytd only) | -0.9715% | 5,059 |
| Net charge-offs to loans | 0.0854% | 1,497 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | -2.1667% | 2,888 |
| Efficiency ratio | 101.7105% | 204 |
| Assets per employee ($millions) | 3.4173% | 4,910 |
| Cash dividends to net income (ytd only)* | -666.6667% | 5,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2527% | 5,761 |
| Loan loss allowance to noncurrent loans | 15.8482% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 3,278 |
| Noncurrent loans to loans | 1.5942% | 1,221 |
| Net loans and leases to total assets | 30.3806% | 5,576 |
| Net loans and leases to deposits | 34.4416% | 5,611 |
| Net loans and leases to core deposits | 34.9170% | 5,636 |
| Total domestic deposits to total assets | 88.2091% | 1,591 |
| Equity capital to assets | 10.2963% | 3,410 |
| Core capital (leverage) ratio | 9.8756% | 3,653 |
| Tier 1 risk-based capital ratio | 23.4567% | 924 |
| Total risk-based capital ratio | 23.6384% | 1,028 |
| Memoranda: | ||
| Average total assets | $93,027,500 | 4,481 |
| Average earning assets | $88,596,500 | 4,429 |
| Average equity | $9,470,000 | 4,631 |
| Average total loans | $28,096,500 | 5,218 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5671% | 5,737 |
| Cost of funding earning assets | 0.1272% | 5,573 |
| Net interest margin | 2.4399% | 5,615 |
| Noninterest income to average assets | 3.4090% | 169 |
| Noninterest expense to average assets | 6.1399% | 156 |
| Loan and lease loss provision to assets | 0.0536% | 3,312 |
| Net operating income to assets | -0.0495% | 5,665 |
| Return on assets (ROA) | -0.0495% | 5,678 |
| Pretax return on assets | -0.4524% | 5,771 |
| Return on Equity (ROE) | -0.4808% | 5,681 |
| Retained earnings to average equity (ytd only) | -14.7445% | 5,828 |
| Net charge-offs to loans | -0.0604% | 5,448 |
| Credit loss provision to net charge-offs | -305.8824% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9467% | 148 |
| Assets per employee ($millions) | 3.3530% | 4,975 |
| Cash dividends to net income (ytd only)* | -2,966.6667% | 5,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2385% | 5,821 |
| Loan loss allowance to noncurrent loans | 14.8559% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 3,337 |
| Noncurrent loans to loans | 1.6055% | 1,226 |
| Net loans and leases to total assets | 29.8499% | 5,645 |
| Net loans and leases to deposits | 33.7545% | 5,680 |
| Net loans and leases to core deposits | 34.1066% | 5,706 |
| Total domestic deposits to total assets | 88.4324% | 1,420 |
| Equity capital to assets | 10.5237% | 3,126 |
| Core capital (leverage) ratio | 9.8378% | 3,703 |
| Tier 1 risk-based capital ratio | 24.6465% | 801 |
| Total risk-based capital ratio | 24.8187% | 897 |
| Memoranda: | ||
| Average total assets | $97,038,000 | 4,405 |
| Average earning assets | $92,749,600 | 4,330 |
| Average equity | $9,983,400 | 4,582 |
| Average total loans | $28,141,800 | 5,264 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5653% | 5,802 |
| Cost of funding earning assets | 0.1268% | 5,644 |
| Net interest margin | 2.4385% | 5,694 |
| Noninterest income to average assets | 4.3205% | 142 |
| Noninterest expense to average assets | 7.1131% | 131 |
| Loan and lease loss provision to assets | 0.0804% | 2,601 |
| Net operating income to assets | -0.0627% | 5,749 |
| Return on assets (ROA) | -0.0627% | 5,763 |
| Pretax return on assets | -0.5397% | 5,856 |
| Return on Equity (ROE) | -0.6127% | 5,764 |
| Retained earnings to average equity (ytd only) | -19.5814% | 5,914 |
| Net charge-offs to loans | -0.0710% | 5,469 |
| Credit loss provision to net charge-offs | -393.3333% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9029% | 144 |
| Assets per employee ($millions) | 3.6862% | 4,501 |
| Cash dividends to net income (ytd only)* | -3,095.7443% | 5,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2558% | 5,875 |
| Loan loss allowance to noncurrent loans | 74.2268% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 5,046 |
| Noncurrent loans to loans | 0.3446% | 4,020 |
| Net loans and leases to total assets | 28.2094% | 5,751 |
| Net loans and leases to deposits | 31.8814% | 5,790 |
| Net loans and leases to core deposits | 32.0814% | 5,804 |
| Total domestic deposits to total assets | 88.4825% | 1,160 |
| Equity capital to assets | 10.2796% | 3,827 |
| Core capital (leverage) ratio | 9.6217% | 4,033 |
| Tier 1 risk-based capital ratio | 24.5078% | 859 |
| Total risk-based capital ratio | 24.6928% | 933 |
| Memoranda: | ||
| Average total assets | $97,826,750 | 4,419 |
| Average earning assets | $93,606,250 | 4,349 |
| Average equity | $10,009,250 | 4,618 |
| Average total loans | $28,154,500 | 5,312 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5574% | 5,886 |
| Cost of funding earning assets | 0.1264% | 5,721 |
| Net interest margin | 2.4310% | 5,784 |
| Noninterest income to average assets | 6.2040% | 99 |
| Noninterest expense to average assets | 3.4588% | 1,247 |
| Loan and lease loss provision to assets | 0.1830% | 1,188 |
| Net operating income to assets | 5.6097% | 28 |
| Return on assets (ROA) | -0.1172% | 5,839 |
| Pretax return on assets | -0.8308% | 5,962 |
| Return on Equity (ROE) | -1.1474% | 5,847 |
| Retained earnings to average equity (ytd only) | -29.4102% | 6,003 |
| Net charge-offs to loans | -0.0994% | 5,612 |
| Credit loss provision to net charge-offs | -635.7143% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5106% | 5,897 |
| Assets per employee ($millions) | 3.6199% | 4,566 |
| Cash dividends to net income (ytd only)* | -2,463.1579% | 6,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3496% | 5,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 29.4535% | 5,791 |
| Net loans and leases to deposits | 33.3937% | 5,836 |
| Net loans and leases to core deposits | 33.6073% | 5,852 |
| Total domestic deposits to total assets | 88.2010% | 1,324 |
| Equity capital to assets | 10.5057% | 3,626 |
| Core capital (leverage) ratio | 9.4311% | 4,295 |
| Tier 1 risk-based capital ratio | 24.5173% | 853 |
| Total risk-based capital ratio | 24.7787% | 933 |
| Memoranda: | ||
| Average total assets | $97,260,000 | 4,471 |
| Average earning assets | $93,376,670 | 4,398 |
| Average equity | $9,935,330 | 4,657 |
| Average total loans | $28,156,670 | 5,364 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5805% | 5,942 |
| Cost of funding earning assets | 0.1239% | 5,792 |
| Net interest margin | 2.4566% | 5,839 |
| Noninterest income to average assets | 11.8984% | 55 |
| Noninterest expense to average assets | 3.7682% | 816 |
| Loan and lease loss provision to assets | 0.1814% | 1,114 |
| Net operating income to assets | 10.5956% | 15 |
| Return on assets (ROA) | -0.8864% | 6,018 |
| Pretax return on assets | -1.1626% | 6,030 |
| Return on Equity (ROE) | -8.8034% | 6,016 |
| Retained earnings to average equity (ytd only) | -66.2913% | 6,092 |
| Net charge-offs to loans | -0.0432% | 5,261 |
| Credit loss provision to net charge-offs | -1,466.6667% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.4086% | 6,082 |
| Assets per employee ($millions) | 3.9825% | 3,977 |
| Cash dividends to net income (ytd only)* | -653.0233% | 6,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1631% | 6,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 26.6000% | 5,908 |
| Net loans and leases to deposits | 29.8896% | 5,931 |
| Net loans and leases to core deposits | 30.0688% | 5,944 |
| Total domestic deposits to total assets | 88.9942% | 1,101 |
| Equity capital to assets | 9.6180% | 4,546 |
| Core capital (leverage) ratio | 9.5388% | 4,118 |
| Tier 1 risk-based capital ratio | 24.1373% | 900 |
| Total risk-based capital ratio | 24.2543% | 994 |
| Memoranda: | ||
| Average total assets | $97,021,500 | 4,509 |
| Average earning assets | $93,623,500 | 4,433 |
| Average equity | $9,769,000 | 4,714 |
| Average total loans | $27,791,000 | 5,421 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3909% | 5,180 |
| Cost of funding earning assets | 0.1246% | 5,856 |
| Net interest margin | 3.2663% | 4,418 |
| Noninterest income to average assets | 0.4104% | 3,949 |
| Noninterest expense to average assets | 2.9680% | 2,652 |
| Loan and lease loss provision to assets | -0.0419% | 5,719 |
| Net operating income to assets | 0.4358% | 4,934 |
| Return on assets (ROA) | 0.4358% | 5,012 |
| Pretax return on assets | 0.6653% | 4,631 |
| Return on Equity (ROE) | 4.0823% | 4,903 |
| Retained earnings to average equity (ytd only) | 2.3253% | 4,403 |
| Net charge-offs to loans | 0.0242% | 3,769 |
| Credit loss provision to net charge-offs | -542.8571% | 5,458 |
| Earnings coverage of net charge-offs (x) | 80.7143% | 696 |
| Efficiency ratio | 82.6421% | 1,316 |
| Assets per employee ($millions) | 3.7708% | 4,343 |
| Cash dividends to net income (ytd only)* | 43.0380% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 30.5311% | 5,874 |
| Net loans and leases to deposits | 34.3883% | 5,920 |
| Net loans and leases to core deposits | 34.5164% | 5,956 |
| Total domestic deposits to total assets | 88.7832% | 1,235 |
| Equity capital to assets | 10.5848% | 3,268 |
| Core capital (leverage) ratio | 10.1613% | 3,305 |
| Tier 1 risk-based capital ratio | 25.3299% | 789 |
| Total risk-based capital ratio | 26.3164% | 799 |
| Memoranda: | ||
| Average total assets | $90,633,000 | 4,656 |
| Average earning assets | $88,265,200 | 4,534 |
| Average equity | $9,676,000 | 4,715 |
| Average total loans | $28,884,400 | 5,408 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4158% | 5,172 |
| Cost of funding earning assets | 0.1239% | 5,955 |
| Net interest margin | 3.2919% | 4,388 |
| Noninterest income to average assets | 0.4147% | 3,971 |
| Noninterest expense to average assets | 2.8779% | 2,918 |
| Loan and lease loss provision to assets | -0.0265% | 5,866 |
| Net operating income to assets | 0.4353% | 5,028 |
| Return on assets (ROA) | 0.4353% | 5,125 |
| Pretax return on assets | 0.7676% | 4,435 |
| Return on Equity (ROE) | 4.0686% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.4500% | 4,010 |
| Net charge-offs to loans | 0.0458% | 2,985 |
| Credit loss provision to net charge-offs | -180.0000% | 5,153 |
| Earnings coverage of net charge-offs (x) | 50.4111% | 1,044 |
| Efficiency ratio | 79.5205% | 1,726 |
| Assets per employee ($millions) | 3.4641% | 4,864 |
| Cash dividends to net income (ytd only)* | 15.2030% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 3,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 30.9341% | 5,945 |
| Net loans and leases to deposits | 34.9045% | 6,002 |
| Net loans and leases to core deposits | 35.0304% | 6,029 |
| Total domestic deposits to total assets | 88.6252% | 1,224 |
| Equity capital to assets | 10.5537% | 3,541 |
| Core capital (leverage) ratio | 10.0878% | 3,516 |
| Tier 1 risk-based capital ratio | 24.4527% | 899 |
| Total risk-based capital ratio | 25.4468% | 914 |
| Memoranda: | ||
| Average total assets | $90,666,750 | 4,708 |
| Average earning assets | $88,254,750 | 4,585 |
| Average equity | $9,700,250 | 4,768 |
| Average total loans | $29,107,000 | 5,461 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 5,112 |
| Cost of funding earning assets | 0.1237% | 6,023 |
| Net interest margin | 3.3248% | 4,191 |
| Noninterest income to average assets | 0.3567% | 4,409 |
| Noninterest expense to average assets | 2.9428% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4147% | 5,098 |
| Return on assets (ROA) | 0.4147% | 5,199 |
| Pretax return on assets | 0.6510% | 4,821 |
| Return on Equity (ROE) | 3.8576% | 5,071 |
| Retained earnings to average equity (ytd only) | 2.9243% | 4,176 |
| Net charge-offs to loans | 0.0758% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.5455% | 1,479 |
| Efficiency ratio | 81.8859% | 1,505 |
| Assets per employee ($millions) | 3.4834% | 4,832 |
| Cash dividends to net income (ytd only)* | 24.1935% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 3,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 33.8836% | 5,915 |
| Net loans and leases to deposits | 38.2395% | 5,970 |
| Net loans and leases to core deposits | 38.3821% | 6,010 |
| Total domestic deposits to total assets | 88.6087% | 1,354 |
| Equity capital to assets | 10.6626% | 3,257 |
| Core capital (leverage) ratio | 10.4055% | 3,082 |
| Tier 1 risk-based capital ratio | 23.0852% | 1,071 |
| Total risk-based capital ratio | 24.0772% | 1,081 |
| Memoranda: | ||
| Average total assets | $89,712,000 | 4,773 |
| Average earning assets | $87,342,330 | 4,645 |
| Average equity | $9,643,330 | 4,812 |
| Average total loans | $29,038,000 | 5,520 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 5,195 |
| Cost of funding earning assets | 0.1244% | 6,094 |
| Net interest margin | 3.2792% | 4,298 |
| Noninterest income to average assets | 0.3539% | 4,369 |
| Noninterest expense to average assets | 3.0196% | 2,518 |
| Loan and lease loss provision to assets | -0.1568% | 6,239 |
| Net operating income to assets | 0.4435% | 4,901 |
| Return on assets (ROA) | 0.4435% | 5,018 |
| Pretax return on assets | 0.6810% | 4,650 |
| Return on Equity (ROE) | 4.1094% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.1094% | 3,540 |
| Net charge-offs to loans | 0.1713% | 1,248 |
| Credit loss provision to net charge-offs | -291.6667% | 4,701 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,986 |
| Efficiency ratio | 85.2086% | 1,252 |
| Assets per employee ($millions) | 3.3044% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 3,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 30.4031% | 6,057 |
| Net loans and leases to deposits | 34.5133% | 6,110 |
| Net loans and leases to core deposits | 34.6446% | 6,132 |
| Total domestic deposits to total assets | 88.0910% | 1,765 |
| Equity capital to assets | 10.9843% | 2,985 |
| Core capital (leverage) ratio | 10.1035% | 3,469 |
| Tier 1 risk-based capital ratio | 25.3262% | 851 |
| Total risk-based capital ratio | 26.3204% | 861 |
| Memoranda: | ||
| Average total assets | $89,283,500 | 4,824 |
| Average earning assets | $86,850,500 | 4,698 |
| Average equity | $9,636,500 | 4,858 |
| Average total loans | $28,014,000 | 5,595 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6439% | 4,952 |
| Cost of funding earning assets | 0.1287% | 6,205 |
| Net interest margin | 3.5153% | 3,734 |
| Noninterest income to average assets | 0.3767% | 4,372 |
| Noninterest expense to average assets | 3.2668% | 2,021 |
| Loan and lease loss provision to assets | -0.2473% | 6,332 |
| Net operating income to assets | 0.5691% | 4,512 |
| Return on assets (ROA) | 0.5691% | 4,597 |
| Pretax return on assets | 0.7672% | 4,374 |
| Return on Equity (ROE) | 5.1970% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.5894% | 5,032 |
| Net charge-offs to loans | -0.7372% | 6,430 |
| Credit loss provision to net charge-offs | 106.4039% | 2,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2715% | 1,139 |
| Assets per employee ($millions) | 3.4365% | 4,998 |
| Cash dividends to net income (ytd only)* | 69.4165% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 2,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 31.4855% | 6,132 |
| Net loans and leases to deposits | 35.4848% | 6,184 |
| Net loans and leases to core deposits | 35.6187% | 6,206 |
| Total domestic deposits to total assets | 88.7296% | 1,402 |
| Equity capital to assets | 10.6022% | 3,355 |
| Core capital (leverage) ratio | 10.2451% | 3,253 |
| Tier 1 risk-based capital ratio | 25.3791% | 805 |
| Total risk-based capital ratio | 26.5170% | 802 |
| Memoranda: | ||
| Average total assets | $87,334,400 | 4,902 |
| Average earning assets | $84,716,200 | 4,769 |
| Average equity | $9,563,200 | 4,848 |
| Average total loans | $27,535,800 | 5,670 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6856% | 4,903 |
| Cost of funding earning assets | 0.1316% | 6,281 |
| Net interest margin | 3.5540% | 3,611 |
| Noninterest income to average assets | 0.3731% | 4,443 |
| Noninterest expense to average assets | 3.2016% | 2,174 |
| Loan and lease loss provision to assets | -0.3071% | 6,467 |
| Net operating income to assets | 0.6587% | 4,169 |
| Return on assets (ROA) | 0.6587% | 4,273 |
| Pretax return on assets | 0.9213% | 3,900 |
| Return on Equity (ROE) | 5.9671% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.3412% | 2,858 |
| Net charge-offs to loans | -0.9578% | 6,513 |
| Credit loss provision to net charge-offs | 102.0408% | 2,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9034% | 1,398 |
| Assets per employee ($millions) | 3.4320% | 4,993 |
| Cash dividends to net income (ytd only)* | 10.4897% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 2,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 5,379 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 31.5933% | 6,199 |
| Net loans and leases to deposits | 35.8031% | 6,249 |
| Net loans and leases to core deposits | 36.1752% | 6,279 |
| Total domestic deposits to total assets | 88.2418% | 1,636 |
| Equity capital to assets | 10.8326% | 3,147 |
| Core capital (leverage) ratio | 10.5972% | 2,924 |
| Tier 1 risk-based capital ratio | 25.8298% | 802 |
| Total risk-based capital ratio | 26.9840% | 791 |
| Memoranda: | ||
| Average total assets | $86,830,750 | 4,962 |
| Average earning assets | $84,109,000 | 4,830 |
| Average equity | $9,585,750 | 4,875 |
| Average total loans | $27,284,500 | 5,740 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 4,873 |
| Cost of funding earning assets | 0.1368% | 6,327 |
| Net interest margin | 3.5589% | 3,535 |
| Noninterest income to average assets | 0.3162% | 4,879 |
| Noninterest expense to average assets | 3.2523% | 2,045 |
| Loan and lease loss provision to assets | -0.4650% | 6,578 |
| Net operating income to assets | 0.8648% | 2,982 |
| Return on assets (ROA) | 0.8648% | 3,075 |
| Pretax return on assets | 0.9764% | 3,580 |
| Return on Equity (ROE) | 7.7832% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.8417% | 1,846 |
| Net charge-offs to loans | -1.4305% | 6,591 |
| Credit loss provision to net charge-offs | 104.1667% | 1,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4114% | 1,231 |
| Assets per employee ($millions) | 3.1317% | 5,542 |
| Cash dividends to net income (ytd only)* | 12.0968% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 3,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 4,665 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 33.6120% | 6,173 |
| Net loans and leases to deposits | 38.4062% | 6,209 |
| Net loans and leases to core deposits | 38.6707% | 6,254 |
| Total domestic deposits to total assets | 87.5171% | 2,192 |
| Equity capital to assets | 11.5450% | 2,379 |
| Core capital (leverage) ratio | 11.1461% | 2,293 |
| Tier 1 risk-based capital ratio | 25.6441% | 811 |
| Total risk-based capital ratio | 26.7860% | 799 |
| Memoranda: | ||
| Average total assets | $86,030,670 | 5,017 |
| Average earning assets | $83,340,000 | 4,891 |
| Average equity | $9,559,000 | 4,899 |
| Average total loans | $26,843,000 | 5,807 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 4,979 |
| Cost of funding earning assets | 0.1475% | 6,366 |
| Net interest margin | 3.5112% | 3,641 |
| Noninterest income to average assets | 0.2121% | 5,657 |
| Noninterest expense to average assets | 3.4898% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2259% | 5,727 |
| Return on assets (ROA) | 0.2259% | 5,779 |
| Pretax return on assets | 0.1245% | 6,036 |
| Return on Equity (ROE) | 2.0724% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.0724% | 4,773 |
| Net charge-offs to loans | -0.2786% | 6,466 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5561% | 611 |
| Assets per employee ($millions) | 3.2367% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6916% | 2,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 5,301 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.3856% | 6,340 |
| Net loans and leases to deposits | 34.5526% | 6,358 |
| Net loans and leases to core deposits | 35.4316% | 6,374 |
| Total domestic deposits to total assets | 87.9401% | 2,262 |
| Equity capital to assets | 11.2352% | 2,492 |
| Core capital (leverage) ratio | 10.0145% | 3,558 |
| Tier 1 risk-based capital ratio | 27.3096% | 693 |
| Total risk-based capital ratio | 28.5602% | 677 |
| Memoranda: | ||
| Average total assets | $86,768,000 | 5,051 |
| Average earning assets | $84,074,000 | 4,916 |
| Average equity | $9,457,500 | 4,950 |
| Average total loans | $25,847,000 | 5,896 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 4,855 |
| Cost of funding earning assets | 0.1849% | 6,367 |
| Net interest margin | 3.6038% | 3,451 |
| Noninterest income to average assets | 1.1163% | 1,126 |
| Noninterest expense to average assets | 3.1315% | 2,639 |
| Loan and lease loss provision to assets | -0.4236% | 6,723 |
| Net operating income to assets | 1.2453% | 1,409 |
| Return on assets (ROA) | 1.2453% | 1,462 |
| Pretax return on assets | 1.8917% | 612 |
| Return on Equity (ROE) | 11.3939% | 1,638 |
| Retained earnings to average equity (ytd only) | 4.5414% | 2,933 |
| Net charge-offs to loans | -1.1471% | 6,760 |
| Credit loss provision to net charge-offs | 125.9016% | 1,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0815% | 4,185 |
| Assets per employee ($millions) | 3.3104% | 5,267 |
| Cash dividends to net income (ytd only)* | 60.1417% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,599 |
| Loan loss allowance to noncurrent loans | 354.6218% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 4,366 |
| Noncurrent loans to loans | 0.4633% | 4,841 |
| Net loans and leases to total assets | 28.2622% | 6,518 |
| Net loans and leases to deposits | 31.8502% | 6,541 |
| Net loans and leases to core deposits | 32.7504% | 6,541 |
| Total domestic deposits to total assets | 88.7347% | 1,789 |
| Equity capital to assets | 10.5839% | 3,068 |
| Core capital (leverage) ratio | 9.8666% | 3,746 |
| Tier 1 risk-based capital ratio | 26.9791% | 685 |
| Total risk-based capital ratio | 28.2303% | 668 |
| Memoranda: | ||
| Average total assets | $90,658,000 | 4,962 |
| Average earning assets | $87,629,600 | 4,839 |
| Average equity | $9,908,800 | 4,868 |
| Average total loans | $26,587,800 | 5,905 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 4,643 |
| Cost of funding earning assets | 0.1911% | 6,441 |
| Net interest margin | 3.6684% | 3,158 |
| Noninterest income to average assets | 1.3468% | 807 |
| Noninterest expense to average assets | 2.9105% | 3,268 |
| Loan and lease loss provision to assets | -0.3224% | 6,781 |
| Net operating income to assets | 1.6502% | 682 |
| Return on assets (ROA) | 1.6502% | 720 |
| Pretax return on assets | 2.3038% | 317 |
| Return on Equity (ROE) | 14.9815% | 799 |
| Retained earnings to average equity (ytd only) | 14.3828% | 234 |
| Net charge-offs to loans | -2.0884% | 6,848 |
| Credit loss provision to net charge-offs | 52.3810% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4967% | 5,499 |
| Assets per employee ($millions) | 3.3432% | 5,198 |
| Cash dividends to net income (ytd only)* | 3.9965% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7260% | 721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 4,643 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 27.7114% | 6,606 |
| Net loans and leases to deposits | 31.5407% | 6,627 |
| Net loans and leases to core deposits | 32.6865% | 6,635 |
| Total domestic deposits to total assets | 87.8592% | 2,218 |
| Equity capital to assets | 11.3321% | 2,446 |
| Core capital (leverage) ratio | 10.5597% | 2,941 |
| Tier 1 risk-based capital ratio | 27.8182% | 645 |
| Total risk-based capital ratio | 29.0784% | 636 |
| Memoranda: | ||
| Average total assets | $90,977,250 | 5,005 |
| Average earning assets | $87,919,250 | 4,874 |
| Average equity | $10,021,000 | 4,899 |
| Average total loans | $26,814,000 | 5,953 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 4,664 |
| Cost of funding earning assets | 0.1974% | 6,487 |
| Net interest margin | 3.6485% | 3,180 |
| Noninterest income to average assets | 1.7125% | 563 |
| Noninterest expense to average assets | 2.7386% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6708% | 659 |
| Return on assets (ROA) | 1.6708% | 722 |
| Pretax return on assets | 2.4996% | 274 |
| Return on Equity (ROE) | 15.3140% | 757 |
| Retained earnings to average equity (ytd only) | 14.4096% | 276 |
| Net charge-offs to loans | -1.1773% | 6,875 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2813% | 6,267 |
| Assets per employee ($millions) | 3.5784% | 4,675 |
| Cash dividends to net income (ytd only)* | 5.9055% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4453% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 4,702 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 29.4783% | 6,594 |
| Net loans and leases to deposits | 33.3831% | 6,632 |
| Net loans and leases to core deposits | 34.5994% | 6,634 |
| Total domestic deposits to total assets | 88.3030% | 2,042 |
| Equity capital to assets | 11.0050% | 2,744 |
| Core capital (leverage) ratio | 10.3608% | 3,031 |
| Tier 1 risk-based capital ratio | 26.5568% | 725 |
| Total risk-based capital ratio | 27.8161% | 710 |
| Memoranda: | ||
| Average total assets | $91,214,330 | 5,030 |
| Average earning assets | $88,144,670 | 4,896 |
| Average equity | $9,951,670 | 4,956 |
| Average total loans | $27,180,330 | 5,972 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 4,724 |
| Cost of funding earning assets | 0.2112% | 6,524 |
| Net interest margin | 3.6174% | 3,196 |
| Noninterest income to average assets | 0.7123% | 2,526 |
| Noninterest expense to average assets | 2.5105% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0337% | 2,093 |
| Return on assets (ROA) | 1.0337% | 2,204 |
| Pretax return on assets | 1.6983% | 1,078 |
| Return on Equity (ROE) | 9.5152% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.5152% | 1,238 |
| Net charge-offs to loans | -0.6751% | 6,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6491% | 5,635 |
| Assets per employee ($millions) | 3.4636% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 1,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 4,886 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 29.2258% | 6,633 |
| Net loans and leases to deposits | 33.3266% | 6,659 |
| Net loans and leases to core deposits | 34.6622% | 6,658 |
| Total domestic deposits to total assets | 87.6952% | 2,518 |
| Equity capital to assets | 11.1955% | 2,743 |
| Core capital (leverage) ratio | 9.5183% | 4,049 |
| Tier 1 risk-based capital ratio | 24.8927% | 903 |
| Total risk-based capital ratio | 26.1462% | 894 |
| Memoranda: | ||
| Average total assets | $92,092,000 | 5,050 |
| Average earning assets | $89,014,000 | 4,908 |
| Average equity | $10,005,000 | 4,984 |
| Average total loans | $27,254,500 | 6,013 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 4,326 |
| Cost of funding earning assets | 0.2872% | 6,513 |
| Net interest margin | 3.9810% | 2,474 |
| Noninterest income to average assets | 0.4744% | 4,068 |
| Noninterest expense to average assets | 2.9199% | 3,565 |
| Loan and lease loss provision to assets | 0.7733% | 640 |
| Net operating income to assets | 0.4343% | 4,951 |
| Return on assets (ROA) | 0.4343% | 5,194 |
| Pretax return on assets | 0.6390% | 4,854 |
| Return on Equity (ROE) | 3.9975% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.5489% | 3,718 |
| Net charge-offs to loans | 1.8830% | 409 |
| Credit loss provision to net charge-offs | 123.7435% | 2,298 |
| Earnings coverage of net charge-offs (x) | 2.2600% | 4,289 |
| Efficiency ratio | 67.4000% | 4,250 |
| Assets per employee ($millions) | 3.4863% | 5,031 |
| Cash dividends to net income (ytd only)* | 11.2219% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 2,551 |
| Loan loss allowance to noncurrent loans | 336.2416% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 5,183 |
| Noncurrent loans to loans | 0.5390% | 5,179 |
| Net loans and leases to total assets | 28.8346% | 6,741 |
| Net loans and leases to deposits | 32.6355% | 6,772 |
| Net loans and leases to core deposits | 34.0078% | 6,766 |
| Total domestic deposits to total assets | 88.3533% | 1,993 |
| Equity capital to assets | 10.5471% | 3,472 |
| Core capital (leverage) ratio | 9.4194% | 4,230 |
| Tier 1 risk-based capital ratio | 24.1093% | 956 |
| Total risk-based capital ratio | 25.3601% | 938 |
| Memoranda: | ||
| Average total assets | $92,332,800 | 5,013 |
| Average earning assets | $89,474,400 | 4,884 |
| Average equity | $10,031,200 | 4,975 |
| Average total loans | $30,642,400 | 5,918 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 4,394 |
| Cost of funding earning assets | 0.3054% | 6,591 |
| Net interest margin | 4.0101% | 2,463 |
| Noninterest income to average assets | 0.5601% | 3,542 |
| Noninterest expense to average assets | 2.5844% | 4,791 |
| Loan and lease loss provision to assets | 0.1814% | 3,325 |
| Net operating income to assets | 1.1449% | 1,926 |
| Return on assets (ROA) | 1.1449% | 2,119 |
| Pretax return on assets | 1.6818% | 1,323 |
| Return on Equity (ROE) | 10.4601% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.8636% | 948 |
| Net charge-offs to loans | -0.4375% | 7,089 |
| Credit loss provision to net charge-offs | -121.3592% | 6,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1077% | 5,777 |
| Assets per employee ($millions) | 3.5119% | 4,954 |
| Cash dividends to net income (ytd only)* | 5.7036% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 2,279 |
| Loan loss allowance to noncurrent loans | 56.7050% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,096 |
| Noncurrent loans to loans | 3.4625% | 1,570 |
| Net loans and leases to total assets | 31.1749% | 6,772 |
| Net loans and leases to deposits | 35.5476% | 6,824 |
| Net loans and leases to core deposits | 37.1623% | 6,833 |
| Total domestic deposits to total assets | 87.6988% | 2,224 |
| Equity capital to assets | 10.9924% | 3,289 |
| Core capital (leverage) ratio | 9.7375% | 3,892 |
| Tier 1 risk-based capital ratio | 23.7117% | 1,061 |
| Total risk-based capital ratio | 24.9654% | 1,040 |
| Memoranda: | ||
| Average total assets | $91,883,500 | 5,082 |
| Average earning assets | $89,072,750 | 4,934 |
| Average equity | $10,057,000 | 5,013 |
| Average total loans | $31,392,250 | 5,955 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 3,966 |
| Cost of funding earning assets | 0.3406% | 6,553 |
| Net interest margin | 4.1124% | 2,038 |
| Noninterest income to average assets | 0.5214% | 3,779 |
| Noninterest expense to average assets | 2.6159% | 4,722 |
| Loan and lease loss provision to assets | 0.2750% | 2,388 |
| Net operating income to assets | 1.1815% | 1,782 |
| Return on assets (ROA) | 1.1815% | 1,982 |
| Pretax return on assets | 1.6149% | 1,503 |
| Return on Equity (ROE) | 10.8103% | 2,059 |
| Retained earnings to average equity (ytd only) | 9.9044% | 1,002 |
| Net charge-offs to loans | 0.6288% | 1,744 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | 8.5900% | 2,269 |
| Efficiency ratio | 58.0566% | 5,864 |
| Assets per employee ($millions) | 3.1388% | 5,772 |
| Cash dividends to net income (ytd only)* | 8.3799% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,239 |
| Loan loss allowance to noncurrent loans | 58.4962% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7306% | 4,969 |
| Noncurrent loans to loans | 2.0946% | 2,828 |
| Net loans and leases to total assets | 34.4525% | 6,702 |
| Net loans and leases to deposits | 39.3559% | 6,758 |
| Net loans and leases to core deposits | 41.0751% | 6,773 |
| Total domestic deposits to total assets | 87.5406% | 2,440 |
| Equity capital to assets | 11.1421% | 2,974 |
| Core capital (leverage) ratio | 9.3711% | 4,339 |
| Tier 1 risk-based capital ratio | 21.9506% | 1,302 |
| Total risk-based capital ratio | 22.9371% | 1,329 |
| Memoranda: | ||
| Average total assets | $90,904,670 | 5,141 |
| Average earning assets | $88,075,000 | 4,990 |
| Average equity | $9,935,000 | 5,047 |
| Average total loans | $31,805,670 | 5,974 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 4,064 |
| Cost of funding earning assets | 0.3543% | 6,622 |
| Net interest margin | 4.1068% | 2,065 |
| Noninterest income to average assets | 0.4755% | 4,101 |
| Noninterest expense to average assets | 2.5978% | 4,822 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8581% | 530 |
| Return on assets (ROA) | 1.8581% | 603 |
| Pretax return on assets | 1.8581% | 954 |
| Return on Equity (ROE) | 17.1693% | 648 |
| Retained earnings to average equity (ytd only) | 17.1693% | 301 |
| Net charge-offs to loans | -0.8167% | 7,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3004% | 5,874 |
| Assets per employee ($millions) | 3.2883% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,862 |
| Loan loss allowance to noncurrent loans | 73.3333% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 5,360 |
| Noncurrent loans to loans | 1.8191% | 3,380 |
| Net loans and leases to total assets | 33.2739% | 6,770 |
| Net loans and leases to deposits | 37.6456% | 6,836 |
| Net loans and leases to core deposits | 39.1936% | 6,841 |
| Total domestic deposits to total assets | 88.3872% | 2,075 |
| Equity capital to assets | 10.4593% | 3,541 |
| Core capital (leverage) ratio | 9.4823% | 4,077 |
| Tier 1 risk-based capital ratio | 21.4280% | 1,394 |
| Total risk-based capital ratio | 22.4987% | 1,413 |
| Memoranda: | ||
| Average total assets | $90,845,000 | 5,182 |
| Average earning assets | $88,049,000 | 5,023 |
| Average equity | $9,831,500 | 5,082 |
| Average total loans | $31,834,000 | 6,018 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 2,383 |
| Cost of funding earning assets | 0.4196% | 6,834 |
| Net interest margin | 4.6983% | 756 |
| Noninterest income to average assets | 0.8261% | 1,943 |
| Noninterest expense to average assets | 3.3055% | 2,505 |
| Loan and lease loss provision to assets | 0.4651% | 2,277 |
| Net operating income to assets | 1.0072% | 2,173 |
| Return on assets (ROA) | 1.0072% | 2,315 |
| Pretax return on assets | 1.4024% | 1,783 |
| Return on Equity (ROE) | 8.7770% | 2,552 |
| Retained earnings to average equity (ytd only) | 1.7740% | 4,951 |
| Net charge-offs to loans | 1.1689% | 1,448 |
| Credit loss provision to net charge-offs | 103.9683% | 3,314 |
| Earnings coverage of net charge-offs (x) | 4.1746% | 3,236 |
| Efficiency ratio | 63.8984% | 5,144 |
| Assets per employee ($millions) | 2.9769% | 6,140 |
| Cash dividends to net income (ytd only)* | 79.7885% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,602 |
| Loan loss allowance to noncurrent loans | 45.6140% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 4,760 |
| Noncurrent loans to loans | 2.5326% | 2,594 |
| Net loans and leases to total assets | 36.0767% | 6,766 |
| Net loans and leases to deposits | 41.2620% | 6,820 |
| Net loans and leases to core deposits | 43.1586% | 6,846 |
| Total domestic deposits to total assets | 87.4331% | 2,507 |
| Equity capital to assets | 11.2232% | 2,768 |
| Core capital (leverage) ratio | 9.6071% | 3,856 |
| Tier 1 risk-based capital ratio | 21.7405% | 1,273 |
| Total risk-based capital ratio | 22.7098% | 1,298 |
| Memoranda: | ||
| Average total assets | $84,495,600 | 5,325 |
| Average earning assets | $78,177,800 | 5,288 |
| Average equity | $9,695,800 | 5,097 |
| Average total loans | $32,337,200 | 6,055 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2249% | 2,110 |
| Cost of funding earning assets | 0.4360% | 6,919 |
| Net interest margin | 4.7889% | 641 |
| Noninterest income to average assets | 0.8948% | 1,671 |
| Noninterest expense to average assets | 3.1319% | 3,051 |
| Loan and lease loss provision to assets | 0.4649% | 2,128 |
| Net operating income to assets | 1.1376% | 1,852 |
| Return on assets (ROA) | 1.1376% | 1,972 |
| Pretax return on assets | 1.6722% | 1,198 |
| Return on Equity (ROE) | 9.8580% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.2393% | 1,059 |
| Net charge-offs to loans | 1.1594% | 1,360 |
| Credit loss provision to net charge-offs | 103.5336% | 3,218 |
| Earnings coverage of net charge-offs (x) | 4.7598% | 2,973 |
| Efficiency ratio | 59.4399% | 5,801 |
| Assets per employee ($millions) | 3.1714% | 5,751 |
| Cash dividends to net income (ytd only)* | 6.2763% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,765 |
| Loan loss allowance to noncurrent loans | 160.9865% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 6,435 |
| Noncurrent loans to loans | 0.7025% | 5,476 |
| Net loans and leases to total assets | 35.3435% | 6,898 |
| Net loans and leases to deposits | 40.6873% | 6,956 |
| Net loans and leases to core deposits | 41.9945% | 6,985 |
| Total domestic deposits to total assets | 86.8660% | 2,732 |
| Equity capital to assets | 11.7275% | 2,470 |
| Core capital (leverage) ratio | 10.2175% | 3,174 |
| Tier 1 risk-based capital ratio | 22.2776% | 1,242 |
| Total risk-based capital ratio | 23.2007% | 1,273 |
| Memoranda: | ||
| Average total assets | $84,037,000 | 5,376 |
| Average earning assets | $76,759,500 | 5,362 |
| Average equity | $9,697,500 | 5,126 |
| Average total loans | $32,544,250 | 6,099 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 2,205 |
| Cost of funding earning assets | 0.4370% | 7,046 |
| Net interest margin | 4.7782% | 624 |
| Noninterest income to average assets | 0.7568% | 2,230 |
| Noninterest expense to average assets | 3.1122% | 3,206 |
| Loan and lease loss provision to assets | 0.7107% | 1,328 |
| Net operating income to assets | 0.8150% | 3,008 |
| Return on assets (ROA) | 0.8150% | 3,135 |
| Pretax return on assets | 1.3899% | 1,821 |
| Return on Equity (ROE) | 7.1046% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.1531% | 2,329 |
| Net charge-offs to loans | 1.4264% | 1,056 |
| Credit loss provision to net charge-offs | 125.2137% | 2,436 |
| Earnings coverage of net charge-offs (x) | 3.7009% | 3,075 |
| Efficiency ratio | 59.7022% | 5,920 |
| Assets per employee ($millions) | 2.8959% | 6,309 |
| Cash dividends to net income (ytd only)* | 13.3929% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 5,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 38.7552% | 6,820 |
| Net loans and leases to deposits | 44.5495% | 6,904 |
| Net loans and leases to core deposits | 46.0549% | 6,939 |
| Total domestic deposits to total assets | 86.9935% | 2,739 |
| Equity capital to assets | 11.5955% | 2,418 |
| Core capital (leverage) ratio | 10.3022% | 2,935 |
| Tier 1 risk-based capital ratio | 20.8761% | 1,449 |
| Total risk-based capital ratio | 21.9044% | 1,459 |
| Memoranda: | ||
| Average total assets | $82,449,330 | 5,473 |
| Average earning assets | $76,890,670 | 5,398 |
| Average equity | $9,458,670 | 5,197 |
| Average total loans | $32,811,000 | 6,144 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2865% | 1,910 |
| Cost of funding earning assets | 0.4470% | 7,119 |
| Net interest margin | 4.8395% | 524 |
| Noninterest income to average assets | 0.7590% | 2,223 |
| Noninterest expense to average assets | 3.0900% | 3,293 |
| Loan and lease loss provision to assets | 0.4897% | 1,795 |
| Net operating income to assets | 1.7384% | 545 |
| Return on assets (ROA) | 1.7384% | 573 |
| Pretax return on assets | 1.7384% | 910 |
| Return on Equity (ROE) | 15.2377% | 787 |
| Retained earnings to average equity (ytd only) | 15.2377% | 369 |
| Net charge-offs to loans | 0.0733% | 4,207 |
| Credit loss provision to net charge-offs | 1,666.6667% | 233 |
| Earnings coverage of net charge-offs (x) | 75.8333% | 411 |
| Efficiency ratio | 58.1031% | 6,258 |
| Assets per employee ($millions) | 2.9110% | 6,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 4,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 38.9172% | 6,847 |
| Net loans and leases to deposits | 44.6215% | 6,931 |
| Net loans and leases to core deposits | 46.1712% | 6,965 |
| Total domestic deposits to total assets | 87.2161% | 2,817 |
| Equity capital to assets | 11.6208% | 2,184 |
| Core capital (leverage) ratio | 10.2785% | 2,829 |
| Tier 1 risk-based capital ratio | 21.2934% | 1,349 |
| Total risk-based capital ratio | 22.4235% | 1,335 |
| Memoranda: | ||
| Average total assets | $81,683,500 | 5,534 |
| Average earning assets | $76,950,000 | 5,448 |
| Average equity | $9,319,000 | 5,226 |
| Average total loans | $32,739,000 | 6,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 2,096 |
| Cost of funding earning assets | 0.5648% | 7,195 |
| Net interest margin | 4.9817% | 450 |
| Noninterest income to average assets | 0.9119% | 1,807 |
| Noninterest expense to average assets | 3.5952% | 1,939 |
| Loan and lease loss provision to assets | 0.3414% | 4,101 |
| Net operating income to assets | 1.1472% | 1,550 |
| Return on assets (ROA) | 1.1472% | 1,636 |
| Pretax return on assets | 1.6958% | 949 |
| Return on Equity (ROE) | 9.9099% | 1,963 |
| Retained earnings to average equity (ytd only) | 2.2853% | 4,279 |
| Net charge-offs to loans | 0.9014% | 2,390 |
| Credit loss provision to net charge-offs | 90.0322% | 5,132 |
| Earnings coverage of net charge-offs (x) | 5.3730% | 2,643 |
| Efficiency ratio | 63.8312% | 5,380 |
| Assets per employee ($millions) | 2.9235% | 6,263 |
| Cash dividends to net income (ytd only)* | 76.9394% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 40.2710% | 6,943 |
| Net loans and leases to deposits | 45.9603% | 7,046 |
| Net loans and leases to core deposits | 47.6655% | 7,088 |
| Total domestic deposits to total assets | 87.6212% | 2,470 |
| Equity capital to assets | 11.1974% | 2,513 |
| Core capital (leverage) ratio | 9.8005% | 3,313 |
| Tier 1 risk-based capital ratio | 20.1376% | 1,462 |
| Total risk-based capital ratio | 21.0170% | 1,504 |
| Memoranda: | ||
| Average total assets | $82,026,400 | 5,532 |
| Average earning assets | $77,724,400 | 5,422 |
| Average equity | $9,495,600 | 5,266 |
| Average total loans | $34,502,400 | 6,180 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 2,248 |
| Cost of funding earning assets | 0.5797% | 7,328 |
| Net interest margin | 4.9718% | 467 |
| Noninterest income to average assets | 0.9212% | 1,721 |
| Noninterest expense to average assets | 3.2086% | 2,899 |
| Loan and lease loss provision to assets | 0.0812% | 6,233 |
| Net operating income to assets | 1.5986% | 748 |
| Return on assets (ROA) | 1.5986% | 816 |
| Pretax return on assets | 2.3411% | 309 |
| Return on Equity (ROE) | 13.6977% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.0713% | 342 |
| Net charge-offs to loans | 0.1456% | 5,140 |
| Credit loss provision to net charge-offs | 131.5789% | 3,069 |
| Earnings coverage of net charge-offs (x) | 39.2333% | 692 |
| Efficiency ratio | 56.9821% | 6,415 |
| Assets per employee ($millions) | 3.0104% | 6,125 |
| Cash dividends to net income (ytd only)* | 4.5733% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 39.9359% | 7,077 |
| Net loans and leases to deposits | 46.4656% | 7,153 |
| Net loans and leases to core deposits | 48.3983% | 7,188 |
| Total domestic deposits to total assets | 85.9473% | 3,106 |
| Equity capital to assets | 12.4000% | 1,911 |
| Core capital (leverage) ratio | 10.6683% | 2,536 |
| Tier 1 risk-based capital ratio | 21.4615% | 1,293 |
| Total risk-based capital ratio | 22.4269% | 1,307 |
| Memoranda: | ||
| Average total assets | $82,068,500 | 5,595 |
| Average earning assets | $77,743,500 | 5,493 |
| Average equity | $9,578,000 | 5,320 |
| Average total loans | $34,799,500 | 6,248 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5069% | 2,485 |
| Cost of funding earning assets | 0.6001% | 7,407 |
| Net interest margin | 4.9068% | 528 |
| Noninterest income to average assets | 0.7205% | 2,572 |
| Noninterest expense to average assets | 3.0150% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6599% | 638 |
| Return on assets (ROA) | 1.6599% | 685 |
| Pretax return on assets | 2.3706% | 294 |
| Return on Equity (ROE) | 14.5370% | 939 |
| Retained earnings to average equity (ytd only) | 13.5678% | 336 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9817% | 6,639 |
| Assets per employee ($millions) | 2.9130% | 6,326 |
| Cash dividends to net income (ytd only)* | 6.6667% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 6,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 42.3623% | 7,018 |
| Net loans and leases to deposits | 49.3374% | 7,099 |
| Net loans and leases to core deposits | 52.0369% | 7,136 |
| Total domestic deposits to total assets | 85.8625% | 3,173 |
| Equity capital to assets | 11.9343% | 2,135 |
| Core capital (leverage) ratio | 10.5321% | 2,603 |
| Tier 1 risk-based capital ratio | 20.5889% | 1,409 |
| Total risk-based capital ratio | 21.5197% | 1,438 |
| Memoranda: | ||
| Average total assets | $81,328,000 | 5,657 |
| Average earning assets | $77,320,670 | 5,538 |
| Average equity | $9,286,670 | 5,418 |
| Average total loans | $35,048,000 | 6,285 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 2,840 |
| Cost of funding earning assets | 0.6222% | 7,507 |
| Net interest margin | 4.8221% | 614 |
| Noninterest income to average assets | 0.7142% | 2,503 |
| Noninterest expense to average assets | 2.9504% | 3,854 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.3445% | 192 |
| Return on assets (ROA) | 2.3445% | 215 |
| Pretax return on assets | 2.3445% | 328 |
| Return on Equity (ROE) | 21.0085% | 332 |
| Retained earnings to average equity (ytd only) | 21.0085% | 173 |
| Net charge-offs to loans | -0.0456% | 7,321 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7209% | 6,804 |
| Assets per employee ($millions) | 2.9260% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.5992% | 7,150 |
| Net loans and leases to deposits | 47.5202% | 7,252 |
| Net loans and leases to core deposits | 50.0507% | 7,280 |
| Total domestic deposits to total assets | 87.5401% | 2,340 |
| Equity capital to assets | 11.3357% | 2,472 |
| Core capital (leverage) ratio | 10.2755% | 2,837 |
| Tier 1 risk-based capital ratio | 20.4319% | 1,440 |
| Total risk-based capital ratio | 21.3828% | 1,466 |
| Memoranda: | ||
| Average total assets | $81,210,500 | 5,733 |
| Average earning assets | $77,144,500 | 5,594 |
| Average equity | $9,063,000 | 5,528 |
| Average total loans | $35,106,000 | 6,364 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8636% | 2,393 |
| Cost of funding earning assets | 0.8526% | 7,482 |
| Net interest margin | 5.0110% | 438 |
| Noninterest income to average assets | 0.9576% | 1,715 |
| Noninterest expense to average assets | 3.7552% | 1,787 |
| Loan and lease loss provision to assets | 0.4324% | 4,234 |
| Net operating income to assets | 1.1038% | 1,501 |
| Return on assets (ROA) | 1.1038% | 1,539 |
| Pretax return on assets | 1.5082% | 1,168 |
| Return on Equity (ROE) | 9.5517% | 1,840 |
| Retained earnings to average equity (ytd only) | 1.5736% | 3,977 |
| Net charge-offs to loans | 0.7980% | 2,830 |
| Credit loss provision to net charge-offs | 118.8811% | 4,520 |
| Earnings coverage of net charge-offs (x) | 5.3357% | 2,628 |
| Efficiency ratio | 65.9299% | 5,404 |
| Assets per employee ($millions) | 2.7757% | 6,704 |
| Cash dividends to net income (ytd only)* | 83.5253% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 6,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 43.9374% | 7,118 |
| Net loans and leases to deposits | 50.0276% | 7,257 |
| Net loans and leases to core deposits | 60.1193% | 7,259 |
| Total domestic deposits to total assets | 87.8264% | 2,060 |
| Equity capital to assets | 10.9809% | 2,720 |
| Core capital (leverage) ratio | 9.9287% | 3,161 |
| Tier 1 risk-based capital ratio | 19.6096% | 1,544 |
| Total risk-based capital ratio | 20.5680% | 1,551 |
| Memoranda: | ||
| Average total assets | $78,637,200 | 5,765 |
| Average earning assets | $74,357,000 | 5,662 |
| Average equity | $9,087,400 | 5,581 |
| Average total loans | $35,839,600 | 6,317 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9132% | 2,395 |
| Cost of funding earning assets | 0.8781% | 7,595 |
| Net interest margin | 5.0351% | 412 |
| Noninterest income to average assets | 0.9790% | 1,675 |
| Noninterest expense to average assets | 3.3310% | 2,802 |
| Loan and lease loss provision to assets | 0.3411% | 4,284 |
| Net operating income to assets | 1.5009% | 811 |
| Return on assets (ROA) | 1.5009% | 871 |
| Pretax return on assets | 2.0501% | 494 |
| Return on Equity (ROE) | 12.8237% | 1,142 |
| Retained earnings to average equity (ytd only) | 12.1680% | 329 |
| Net charge-offs to loans | 0.3792% | 3,755 |
| Credit loss provision to net charge-offs | 196.0784% | 2,292 |
| Earnings coverage of net charge-offs (x) | 13.7448% | 1,657 |
| Efficiency ratio | 58.2116% | 6,691 |
| Assets per employee ($millions) | 2.8468% | 6,543 |
| Cash dividends to net income (ytd only)* | 5.1138% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 45.1958% | 7,159 |
| Net loans and leases to deposits | 52.0426% | 7,302 |
| Net loans and leases to core deposits | 62.2899% | 7,315 |
| Total domestic deposits to total assets | 86.8437% | 2,260 |
| Equity capital to assets | 11.9331% | 2,275 |
| Core capital (leverage) ratio | 10.9645% | 2,427 |
| Tier 1 risk-based capital ratio | 21.2751% | 1,330 |
| Total risk-based capital ratio | 22.3406% | 1,340 |
| Memoranda: | ||
| Average total assets | $78,173,000 | 5,823 |
| Average earning assets | $73,641,000 | 5,732 |
| Average equity | $9,149,500 | 5,614 |
| Average total loans | $35,862,750 | 6,359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8975% | 2,592 |
| Cost of funding earning assets | 0.8915% | 7,708 |
| Net interest margin | 5.0060% | 425 |
| Noninterest income to average assets | 0.7803% | 2,517 |
| Noninterest expense to average assets | 3.0260% | 3,981 |
| Loan and lease loss provision to assets | 0.3090% | 4,101 |
| Net operating income to assets | 1.5838% | 701 |
| Return on assets (ROA) | 1.5838% | 767 |
| Pretax return on assets | 2.2173% | 347 |
| Return on Equity (ROE) | 13.6233% | 1,054 |
| Retained earnings to average equity (ytd only) | 12.6264% | 366 |
| Net charge-offs to loans | 0.5776% | 2,597 |
| Credit loss provision to net charge-offs | 116.5049% | 3,980 |
| Earnings coverage of net charge-offs (x) | 9.5243% | 2,115 |
| Efficiency ratio | 54.4991% | 7,278 |
| Assets per employee ($millions) | 2.7673% | 6,706 |
| Cash dividends to net income (ytd only)* | 7.3171% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 6,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 46.9742% | 7,130 |
| Net loans and leases to deposits | 54.0737% | 7,264 |
| Net loans and leases to core deposits | 64.1628% | 7,295 |
| Total domestic deposits to total assets | 86.8707% | 2,322 |
| Equity capital to assets | 11.8916% | 2,264 |
| Core capital (leverage) ratio | 10.7307% | 2,629 |
| Tier 1 risk-based capital ratio | 20.4620% | 1,492 |
| Total risk-based capital ratio | 21.3177% | 1,529 |
| Memoranda: | ||
| Average total assets | $77,660,330 | 5,877 |
| Average earning assets | $74,031,330 | 5,743 |
| Average equity | $9,028,670 | 5,679 |
| Average total loans | $35,667,000 | 6,425 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8547% | 3,018 |
| Cost of funding earning assets | 0.9123% | 7,798 |
| Net interest margin | 4.9424% | 466 |
| Noninterest income to average assets | 0.7254% | 2,731 |
| Noninterest expense to average assets | 2.9274% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5364% | 126 |
| Return on assets (ROA) | 2.5364% | 152 |
| Pretax return on assets | 2.5364% | 240 |
| Return on Equity (ROE) | 22.0680% | 304 |
| Retained earnings to average equity (ytd only) | 22.0680% | 129 |
| Net charge-offs to loans | 0.1480% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 37.9231% | 886 |
| Efficiency ratio | 53.5782% | 7,264 |
| Assets per employee ($millions) | 2.8961% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 6,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.8974% | 7,273 |
| Net loans and leases to deposits | 51.7642% | 7,417 |
| Net loans and leases to core deposits | 59.8102% | 7,466 |
| Total domestic deposits to total assets | 86.7346% | 2,344 |
| Equity capital to assets | 11.9111% | 2,313 |
| Core capital (leverage) ratio | 10.5721% | 2,845 |
| Tier 1 risk-based capital ratio | 20.1263% | 1,605 |
| Total risk-based capital ratio | 20.9017% | 1,638 |
| Memoranda: | ||
| Average total assets | $77,749,000 | 5,893 |
| Average earning assets | $74,538,500 | 5,753 |
| Average equity | $8,936,000 | 5,721 |
| Average total loans | $35,130,500 | 6,487 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3686% | 3,584 |
| Cost of funding earning assets | 1.3332% | 7,810 |
| Net interest margin | 5.0354% | 467 |
| Noninterest income to average assets | 1.0981% | 1,305 |
| Noninterest expense to average assets | 3.8346% | 1,687 |
| Loan and lease loss provision to assets | 0.0408% | 6,905 |
| Net operating income to assets | 1.3050% | 1,473 |
| Return on assets (ROA) | 1.3050% | 1,421 |
| Pretax return on assets | 2.0180% | 576 |
| Return on Equity (ROE) | 11.4104% | 1,790 |
| Retained earnings to average equity (ytd only) | 1.7133% | 4,191 |
| Net charge-offs to loans | 0.0862% | 5,516 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 50.4333% | 758 |
| Efficiency ratio | 65.0658% | 5,308 |
| Assets per employee ($millions) | 2.8630% | 6,406 |
| Cash dividends to net income (ytd only)* | 84.9844% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.6483% | 7,427 |
| Net loans and leases to deposits | 50.8936% | 7,588 |
| Net loans and leases to core deposits | 57.9512% | 7,667 |
| Total domestic deposits to total assets | 87.7286% | 1,596 |
| Equity capital to assets | 11.0709% | 2,977 |
| Core capital (leverage) ratio | 10.0371% | 3,411 |
| Tier 1 risk-based capital ratio | 19.2943% | 1,753 |
| Total risk-based capital ratio | 20.1183% | 1,795 |
| Memoranda: | ||
| Average total assets | $73,488,200 | 5,922 |
| Average earning assets | $69,984,000 | 5,821 |
| Average equity | $8,404,600 | 5,943 |
| Average total loans | $34,812,000 | 6,440 |