Home > The Commercial Bank > Performance and Condition Ratios
The Commercial Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2644% | 867 |
| Cost of funding earning assets | 1.3208% | 3,556 |
| Net interest margin | 4.9436% | 326 |
| Noninterest income to average assets | 0.7000% | 1,050 |
| Noninterest expense to average assets | 2.3068% | 2,832 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 2.9534% | 146 |
| Return on assets (ROA) | 2.9534% | 147 |
| Pretax return on assets | 2.9534% | 196 |
| Return on Equity (ROE) | 40.8100% | 48 |
| Retained earnings to average equity (ytd only) | -21.3659% | 4,394 |
| Net charge-offs to loans | -0.0146% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 43.1692% | 4,202 |
| Assets per employee ($millions) | 8.1265% | 1,493 |
| Cash dividends to net income (ytd only)* | 152.3526% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 533 |
| Loan loss allowance to noncurrent loans | 9,363.7931% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,663 |
| Noncurrent loans to loans | 0.0193% | 3,630 |
| Net loans and leases to total assets | 68.6600% | 1,993 |
| Net loans and leases to deposits | 74.5925% | 2,516 |
| Net loans and leases to core deposits | 79.5516% | 2,708 |
| Total domestic deposits to total assets | 92.0400% | 274 |
| Equity capital to assets | 7.2416% | 3,943 |
| Core capital (leverage) ratio | 9.8932% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $431,770,000 | 1,975 |
| Average earning assets | $405,211,500 | 1,956 |
| Average equity | $31,246,000 | 2,371 |
| Average total loans | $300,388,000 | 1,878 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4537% | 758 |
| Cost of funding earning assets | 1.7542% | 2,842 |
| Net interest margin | 4.6995% | 500 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 2.3398% | 2,753 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 2.6992% | 184 |
| Return on assets (ROA) | 2.6992% | 186 |
| Pretax return on assets | 2.6992% | 245 |
| Return on Equity (ROE) | 40.5600% | 46 |
| Retained earnings to average equity (ytd only) | 14.5907% | 144 |
| Net charge-offs to loans | 0.0166% | 2,306 |
| Credit loss provision to net charge-offs | 958.3333% | 404 |
| Earnings coverage of net charge-offs (x) | 249.7292% | 433 |
| Efficiency ratio | 45.6766% | 4,176 |
| Assets per employee ($millions) | 8.3238% | 1,353 |
| Cash dividends to net income (ytd only)* | 64.0234% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 554 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.9900% | 2,142 |
| Net loans and leases to deposits | 73.8843% | 2,657 |
| Net loans and leases to core deposits | 78.5502% | 2,872 |
| Total domestic deposits to total assets | 92.0300% | 300 |
| Equity capital to assets | 7.2318% | 3,876 |
| Core capital (leverage) ratio | 10.4135% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $430,763,400 | 1,962 |
| Average earning assets | $401,999,400 | 1,944 |
| Average equity | $28,669,000 | 2,431 |
| Average total loans | $288,499,400 | 1,897 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5049% | 688 |
| Cost of funding earning assets | 1.8806% | 2,516 |
| Net interest margin | 4.6243% | 543 |
| Noninterest income to average assets | 0.7400% | 1,021 |
| Noninterest expense to average assets | 2.2334% | 2,987 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 2.7323% | 181 |
| Return on assets (ROA) | 2.7323% | 186 |
| Pretax return on assets | 2.7323% | 256 |
| Return on Equity (ROE) | 41.9700% | 44 |
| Retained earnings to average equity (ytd only) | 6.5354% | 1,894 |
| Net charge-offs to loans | 0.0210% | 1,953 |
| Credit loss provision to net charge-offs | 822.2222% | 447 |
| Earnings coverage of net charge-offs (x) | 201.9333% | 519 |
| Efficiency ratio | 44.2310% | 4,225 |
| Assets per employee ($millions) | 7.8982% | 1,583 |
| Cash dividends to net income (ytd only)* | 84.4278% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 586 |
| Loan loss allowance to noncurrent loans | 1,603.3639% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,167 |
| Noncurrent loans to loans | 0.1097% | 3,133 |
| Net loans and leases to total assets | 69.9800% | 1,854 |
| Net loans and leases to deposits | 76.3729% | 2,496 |
| Net loans and leases to core deposits | 81.3370% | 2,729 |
| Total domestic deposits to total assets | 91.6200% | 245 |
| Equity capital to assets | 7.5028% | 3,962 |
| Core capital (leverage) ratio | 9.1920% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $430,245,000 | 1,956 |
| Average earning assets | $400,775,500 | 1,946 |
| Average equity | $28,010,750 | 2,467 |
| Average total loans | $285,715,500 | 1,897 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3777% | 737 |
| Cost of funding earning assets | 1.8513% | 2,501 |
| Net interest margin | 4.5265% | 603 |
| Noninterest income to average assets | 0.7400% | 995 |
| Noninterest expense to average assets | 2.1045% | 3,309 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 2.7697% | 187 |
| Return on assets (ROA) | 2.7697% | 190 |
| Pretax return on assets | 2.7697% | 256 |
| Return on Equity (ROE) | 44.7300% | 45 |
| Retained earnings to average equity (ytd only) | 9.4945% | 979 |
| Net charge-offs to loans | 0.0348% | 1,476 |
| Credit loss provision to net charge-offs | 367.3469% | 741 |
| Earnings coverage of net charge-offs (x) | 126.3673% | 675 |
| Efficiency ratio | 42.4535% | 4,291 |
| Assets per employee ($millions) | 8.5870% | 1,163 |
| Cash dividends to net income (ytd only)* | 78.7758% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 618 |
| Loan loss allowance to noncurrent loans | 504,900.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,853 |
| Noncurrent loans to loans | 0.0003% | 3,819 |
| Net loans and leases to total assets | 62.8200% | 2,668 |
| Net loans and leases to deposits | 74.7603% | 2,644 |
| Net loans and leases to core deposits | 79.7755% | 2,822 |
| Total domestic deposits to total assets | 84.0200% | 2,609 |
| Equity capital to assets | 6.2460% | 4,166 |
| Core capital (leverage) ratio | 8.9884% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $434,126,000 | 1,946 |
| Average earning assets | $404,156,333 | 1,927 |
| Average equity | $26,878,667 | 2,492 |
| Average total loans | $281,566,667 | 1,906 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4134% | 640 |
| Cost of funding earning assets | 1.8464% | 2,374 |
| Net interest margin | 4.5670% | 548 |
| Noninterest income to average assets | 0.7800% | 861 |
| Noninterest expense to average assets | 2.0036% | 3,566 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 2.9148% | 175 |
| Return on assets (ROA) | 2.9148% | 175 |
| Pretax return on assets | 2.9148% | 230 |
| Return on Equity (ROE) | 47.3000% | 44 |
| Retained earnings to average equity (ytd only) | -25.2672% | 4,469 |
| Net charge-offs to loans | 0.0072% | 1,829 |
| Credit loss provision to net charge-offs | 1,800.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 635.4000% | 159 |
| Efficiency ratio | 40.0453% | 4,351 |
| Assets per employee ($millions) | 8.4000% | 1,244 |
| Cash dividends to net income (ytd only)* | 153.4176% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 566 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 61.9000% | 2,681 |
| Net loans and leases to deposits | 73.0757% | 2,674 |
| Net loans and leases to core deposits | 77.6725% | 2,878 |
| Total domestic deposits to total assets | 84.7100% | 2,505 |
| Equity capital to assets | 5.5851% | 4,288 |
| Core capital (leverage) ratio | 8.8069% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $423,634,000 | 1,976 |
| Average earning assets | $391,681,000 | 1,975 |
| Average equity | $26,105,000 | 2,543 |
| Average total loans | $276,885,000 | 1,927 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 1,155 |
| Cost of funding earning assets | 0.9390% | 3,443 |
| Net interest margin | 4.5642% | 554 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.4077% | 2,571 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.5759% | 227 |
| Return on assets (ROA) | 2.5729% | 222 |
| Pretax return on assets | 2.5729% | 316 |
| Return on Equity (ROE) | 43.8900% | 69 |
| Retained earnings to average equity (ytd only) | 7.6103% | 1,666 |
| Net charge-offs to loans | -0.0033% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.4556% | 4,117 |
| Assets per employee ($millions) | 8.0413% | 1,411 |
| Cash dividends to net income (ytd only)* | 82.6624% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 537 |
| Loan loss allowance to noncurrent loans | 393.4400% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 1,703 |
| Noncurrent loans to loans | 0.4576% | 1,637 |
| Net loans and leases to total assets | 66.7200% | 2,177 |
| Net loans and leases to deposits | 72.1908% | 2,746 |
| Net loans and leases to core deposits | 75.7240% | 2,994 |
| Total domestic deposits to total assets | 92.4200% | 240 |
| Equity capital to assets | 6.8011% | 4,018 |
| Core capital (leverage) ratio | 10.1941% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $399,711,400 | 2,014 |
| Average earning assets | $367,426,200 | 2,019 |
| Average equity | $23,428,800 | 2,601 |
| Average total loans | $270,025,000 | 1,912 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 1,129 |
| Cost of funding earning assets | 0.8104% | 3,492 |
| Net interest margin | 4.5925% | 537 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.3214% | 2,725 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 2.6985% | 218 |
| Return on assets (ROA) | 2.6945% | 217 |
| Pretax return on assets | 2.6945% | 314 |
| Return on Equity (ROE) | 47.9000% | 76 |
| Retained earnings to average equity (ytd only) | -2.5835% | 4,349 |
| Net charge-offs to loans | -0.0035% | 3,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.4272% | 4,163 |
| Assets per employee ($millions) | 8.3802% | 1,174 |
| Cash dividends to net income (ytd only)* | 105.3930% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7897% | 576 |
| Loan loss allowance to noncurrent loans | 283.8824% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 1,320 |
| Noncurrent loans to loans | 0.6305% | 1,294 |
| Net loans and leases to total assets | 68.7000% | 1,973 |
| Net loans and leases to deposits | 73.2922% | 2,625 |
| Net loans and leases to core deposits | 76.0294% | 2,864 |
| Total domestic deposits to total assets | 93.7300% | 213 |
| Equity capital to assets | 5.3918% | 4,170 |
| Core capital (leverage) ratio | 9.5418% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $399,122,500 | 2,016 |
| Average earning assets | $366,702,000 | 2,016 |
| Average equity | $22,449,750 | 2,654 |
| Average total loans | $269,236,000 | 1,920 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 1,196 |
| Cost of funding earning assets | 0.6393% | 3,660 |
| Net interest margin | 4.5741% | 559 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 2.1865% | 3,115 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.7998% | 171 |
| Return on assets (ROA) | 2.7939% | 173 |
| Pretax return on assets | 2.7939% | 249 |
| Return on Equity (ROE) | 49.0200% | 65 |
| Retained earnings to average equity (ytd only) | -6.2770% | 4,455 |
| Net charge-offs to loans | -0.0082% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.0789% | 4,296 |
| Assets per employee ($millions) | 8.3177% | 1,175 |
| Cash dividends to net income (ytd only)* | 112.8037% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 706 |
| Loan loss allowance to noncurrent loans | 278.8235% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 1,224 |
| Noncurrent loans to loans | 0.6189% | 1,208 |
| Net loans and leases to total assets | 69.0500% | 1,849 |
| Net loans and leases to deposits | 74.9152% | 2,411 |
| Net loans and leases to core deposits | 77.1465% | 2,678 |
| Total domestic deposits to total assets | 92.1700% | 380 |
| Equity capital to assets | 5.9443% | 4,174 |
| Core capital (leverage) ratio | 9.3713% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $403,666,667 | 2,001 |
| Average earning assets | $370,742,333 | 2,011 |
| Average equity | $23,004,667 | 2,624 |
| Average total loans | $269,099,000 | 1,913 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 1,180 |
| Cost of funding earning assets | 0.4547% | 3,829 |
| Net interest margin | 4.5721% | 526 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.0808% | 3,427 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 2.8788% | 166 |
| Return on assets (ROA) | 2.8690% | 167 |
| Pretax return on assets | 2.8690% | 231 |
| Return on Equity (ROE) | 51.4000% | 72 |
| Retained earnings to average equity (ytd only) | -59.7693% | 4,676 |
| Net charge-offs to loans | -0.0045% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.2254% | 4,413 |
| Assets per employee ($millions) | 8.4684% | 1,140 |
| Cash dividends to net income (ytd only)* | 216.2870% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 758 |
| Loan loss allowance to noncurrent loans | 265.3143% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 1,167 |
| Noncurrent loans to loans | 0.6521% | 1,157 |
| Net loans and leases to total assets | 66.2600% | 2,034 |
| Net loans and leases to deposits | 70.5309% | 2,565 |
| Net loans and leases to core deposits | 72.3922% | 2,787 |
| Total domestic deposits to total assets | 93.9400% | 176 |
| Equity capital to assets | 5.4676% | 4,344 |
| Core capital (leverage) ratio | 8.5505% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3291% | 1,859 |
| Memoranda: | ||
| Average total assets | $410,034,000 | 2,007 |
| Average earning assets | $374,711,500 | 2,018 |
| Average equity | $22,888,000 | 2,653 |
| Average total loans | $266,304,500 | 1,943 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 1,013 |
| Cost of funding earning assets | 0.1988% | 3,768 |
| Net interest margin | 4.1247% | 628 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.1627% | 3,115 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 2.3627% | 168 |
| Return on assets (ROA) | 2.3504% | 168 |
| Pretax return on assets | 2.3504% | 255 |
| Return on Equity (ROE) | 39.9300% | 60 |
| Retained earnings to average equity (ytd only) | 25.6377% | 44 |
| Net charge-offs to loans | -0.0048% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.8781% | 4,304 |
| Assets per employee ($millions) | 8.4411% | 1,123 |
| Cash dividends to net income (ytd only)* | 35.7872% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 442 |
| Loan loss allowance to noncurrent loans | 274.7247% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 1,126 |
| Noncurrent loans to loans | 0.7217% | 1,043 |
| Net loans and leases to total assets | 61.3700% | 2,506 |
| Net loans and leases to deposits | 65.3729% | 2,926 |
| Net loans and leases to core deposits | 66.8209% | 3,077 |
| Total domestic deposits to total assets | 93.8800% | 255 |
| Equity capital to assets | 5.6898% | 4,185 |
| Core capital (leverage) ratio | 9.1812% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1812% | 1,572 |
| Memoranda: | ||
| Average total assets | $408,606,200 | 1,999 |
| Average earning assets | $371,808,800 | 2,019 |
| Average equity | $24,054,400 | 2,634 |
| Average total loans | $250,022,600 | 1,942 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 980 |
| Cost of funding earning assets | 0.1708% | 3,618 |
| Net interest margin | 3.9762% | 669 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.0843% | 3,249 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 2.3251% | 184 |
| Return on assets (ROA) | 2.3251% | 180 |
| Pretax return on assets | 2.3251% | 265 |
| Return on Equity (ROE) | 39.1500% | 48 |
| Retained earnings to average equity (ytd only) | 20.1121% | 104 |
| Net charge-offs to loans | -0.0065% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.3356% | 4,364 |
| Assets per employee ($millions) | 8.3861% | 1,125 |
| Cash dividends to net income (ytd only)* | 48.6345% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9768% | 522 |
| Loan loss allowance to noncurrent loans | 263.0557% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 1,120 |
| Noncurrent loans to loans | 0.7515% | 1,084 |
| Net loans and leases to total assets | 63.4200% | 2,150 |
| Net loans and leases to deposits | 67.0923% | 2,626 |
| Net loans and leases to core deposits | 68.7718% | 2,741 |
| Total domestic deposits to total assets | 94.5200% | 288 |
| Equity capital to assets | 4.9248% | 4,311 |
| Core capital (leverage) ratio | 8.8255% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3453% | 1,923 |
| Memoranda: | ||
| Average total assets | $405,244,500 | 2,023 |
| Average earning assets | $369,289,500 | 2,044 |
| Average equity | $24,064,500 | 2,683 |
| Average total loans | $246,466,000 | 1,962 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 992 |
| Cost of funding earning assets | 0.1603% | 3,441 |
| Net interest margin | 3.8058% | 745 |
| Noninterest income to average assets | 0.8312% | 983 |
| Noninterest expense to average assets | 1.9623% | 3,547 |
| Loan and lease loss provision to assets | 0.0886% | 1,111 |
| Net operating income to assets | 2.2534% | 146 |
| Return on assets (ROA) | 2.2534% | 146 |
| Pretax return on assets | 2.2534% | 226 |
| Return on Equity (ROE) | 35.9212% | 36 |
| Retained earnings to average equity (ytd only) | 8.9410% | 1,304 |
| Net charge-offs to loans | -0.0025% | 3,172 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5897% | 4,469 |
| Assets per employee ($millions) | 8.1782% | 1,215 |
| Cash dividends to net income (ytd only)* | 75.1093% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9858% | 571 |
| Loan loss allowance to noncurrent loans | 245.8617% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 1,086 |
| Noncurrent loans to loans | 0.8077% | 1,066 |
| Net loans and leases to total assets | 63.4961% | 1,966 |
| Net loans and leases to deposits | 67.3740% | 2,439 |
| Net loans and leases to core deposits | 69.7024% | 2,507 |
| Total domestic deposits to total assets | 94.2441% | 245 |
| Equity capital to assets | 5.3154% | 4,416 |
| Core capital (leverage) ratio | 8.1358% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0788% | 2,029 |
| Memoranda: | ||
| Average total assets | $406,148,000 | 2,031 |
| Average earning assets | $370,645,333 | 2,062 |
| Average equity | $25,478,000 | 2,653 |
| Average total loans | $241,814,667 | 1,983 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 1,217 |
| Cost of funding earning assets | 0.1734% | 3,178 |
| Net interest margin | 3.5587% | 965 |
| Noninterest income to average assets | 0.7817% | 1,086 |
| Noninterest expense to average assets | 1.8588% | 3,786 |
| Loan and lease loss provision to assets | 0.0872% | 951 |
| Net operating income to assets | 2.0768% | 196 |
| Return on assets (ROA) | 2.0768% | 194 |
| Pretax return on assets | 2.0768% | 312 |
| Return on Equity (ROE) | 30.8667% | 57 |
| Retained earnings to average equity (ytd only) | -18.6150% | 4,684 |
| Net charge-offs to loans | 0.0085% | 1,435 |
| Credit loss provision to net charge-offs | 1,800.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 446.8000% | 230 |
| Efficiency ratio | 46.2076% | 4,487 |
| Assets per employee ($millions) | 8.2692% | 1,220 |
| Cash dividends to net income (ytd only)* | 160.3078% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 584 |
| Loan loss allowance to noncurrent loans | 239.1115% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 1,175 |
| Noncurrent loans to loans | 0.8515% | 1,097 |
| Net loans and leases to total assets | 58.8033% | 2,206 |
| Net loans and leases to deposits | 62.7965% | 2,641 |
| Net loans and leases to core deposits | 64.7940% | 2,736 |
| Total domestic deposits to total assets | 93.6410% | 147 |
| Equity capital to assets | 6.0209% | 4,581 |
| Core capital (leverage) ratio | 7.3712% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3911% | 2,448 |
| Memoranda: | ||
| Average total assets | $412,944,500 | 2,004 |
| Average earning assets | $376,089,000 | 2,045 |
| Average equity | $27,784,000 | 2,618 |
| Average total loans | $235,568,500 | 2,016 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 1,151 |
| Cost of funding earning assets | 0.3060% | 2,348 |
| Net interest margin | 3.7982% | 1,010 |
| Noninterest income to average assets | 0.8145% | 1,413 |
| Noninterest expense to average assets | 2.1460% | 3,248 |
| Loan and lease loss provision to assets | 0.1989% | 546 |
| Net operating income to assets | 1.9639% | 362 |
| Return on assets (ROA) | 1.9609% | 386 |
| Pretax return on assets | 1.9609% | 651 |
| Return on Equity (ROE) | 24.4912% | 130 |
| Retained earnings to average equity (ytd only) | 16.8543% | 131 |
| Net charge-offs to loans | 0.0206% | 1,864 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 163.0833% | 619 |
| Efficiency ratio | 49.8044% | 4,301 |
| Assets per employee ($millions) | 8.7646% | 991 |
| Cash dividends to net income (ytd only)* | 31.1822% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 493 |
| Loan loss allowance to noncurrent loans | 221.1268% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 1,281 |
| Noncurrent loans to loans | 0.9657% | 1,036 |
| Net loans and leases to total assets | 53.0196% | 2,962 |
| Net loans and leases to deposits | 57.4768% | 3,297 |
| Net loans and leases to core deposits | 59.3814% | 3,363 |
| Total domestic deposits to total assets | 92.2453% | 126 |
| Equity capital to assets | 7.4096% | 4,621 |
| Core capital (leverage) ratio | 7.9903% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6296% | 2,004 |
| Memoranda: | ||
| Average total assets | $361,925,000 | 2,143 |
| Average earning assets | $332,975,600 | 2,174 |
| Average equity | $28,977,800 | 2,598 |
| Average total loans | $233,387,400 | 2,028 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 981 |
| Cost of funding earning assets | 0.3387% | 2,212 |
| Net interest margin | 3.9399% | 874 |
| Noninterest income to average assets | 0.8390% | 1,417 |
| Noninterest expense to average assets | 2.1795% | 3,141 |
| Loan and lease loss provision to assets | 0.2074% | 483 |
| Net operating income to assets | 2.0835% | 405 |
| Return on assets (ROA) | 2.0831% | 430 |
| Pretax return on assets | 2.0831% | 693 |
| Return on Equity (ROE) | 25.4426% | 164 |
| Retained earnings to average equity (ytd only) | 15.0639% | 391 |
| Net charge-offs to loans | 0.0045% | 2,171 |
| Credit loss provision to net charge-offs | 6,750.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 745.7500% | 214 |
| Efficiency ratio | 48.7545% | 4,315 |
| Assets per employee ($millions) | 8.4008% | 1,089 |
| Cash dividends to net income (ytd only)* | 40.7926% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0458% | 585 |
| Loan loss allowance to noncurrent loans | 209.8091% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 1,283 |
| Noncurrent loans to loans | 0.9751% | 1,182 |
| Net loans and leases to total assets | 59.8691% | 2,277 |
| Net loans and leases to deposits | 65.4488% | 2,685 |
| Net loans and leases to core deposits | 68.2457% | 2,760 |
| Total domestic deposits to total assets | 91.4747% | 239 |
| Equity capital to assets | 8.0288% | 4,507 |
| Core capital (leverage) ratio | 8.2410% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7882% | 2,049 |
| Memoranda: | ||
| Average total assets | $347,231,500 | 2,234 |
| Average earning assets | $320,036,250 | 2,255 |
| Average equity | $28,429,250 | 2,649 |
| Average total loans | $234,754,250 | 2,062 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 692 |
| Cost of funding earning assets | 0.3686% | 2,149 |
| Net interest margin | 4.1676% | 616 |
| Noninterest income to average assets | 0.8339% | 1,443 |
| Noninterest expense to average assets | 2.2222% | 3,009 |
| Loan and lease loss provision to assets | 0.2137% | 504 |
| Net operating income to assets | 2.2430% | 314 |
| Return on assets (ROA) | 2.2454% | 332 |
| Pretax return on assets | 2.2454% | 532 |
| Return on Equity (ROE) | 27.2273% | 141 |
| Retained earnings to average equity (ytd only) | 11.2997% | 1,058 |
| Net charge-offs to loans | 0.0025% | 2,108 |
| Credit loss provision to net charge-offs | 12,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,379.6667% | 85 |
| Efficiency ratio | 47.4946% | 4,426 |
| Assets per employee ($millions) | 7.3319% | 1,578 |
| Cash dividends to net income (ytd only)* | 58.4985% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 739 |
| Loan loss allowance to noncurrent loans | 198.0853% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 1,300 |
| Noncurrent loans to loans | 0.9587% | 1,291 |
| Net loans and leases to total assets | 65.4501% | 1,760 |
| Net loans and leases to deposits | 71.4379% | 2,263 |
| Net loans and leases to core deposits | 75.0140% | 2,325 |
| Total domestic deposits to total assets | 91.6181% | 214 |
| Equity capital to assets | 7.9852% | 4,544 |
| Core capital (leverage) ratio | 8.1041% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5289% | 2,156 |
| Memoranda: | ||
| Average total assets | $336,962,667 | 2,272 |
| Average earning assets | $310,871,333 | 2,284 |
| Average equity | $27,788,333 | 2,687 |
| Average total loans | $235,987,333 | 2,057 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 644 |
| Cost of funding earning assets | 0.3988% | 2,106 |
| Net interest margin | 4.2165% | 586 |
| Noninterest income to average assets | 0.8471% | 1,473 |
| Noninterest expense to average assets | 2.0920% | 3,451 |
| Loan and lease loss provision to assets | 0.2210% | 526 |
| Net operating income to assets | 2.4149% | 306 |
| Return on assets (ROA) | 2.4149% | 331 |
| Pretax return on assets | 2.4149% | 507 |
| Return on Equity (ROE) | 28.7799% | 163 |
| Retained earnings to average equity (ytd only) | -1.2583% | 4,488 |
| Net charge-offs to loans | 0.0017% | 1,868 |
| Credit loss provision to net charge-offs | 18,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 2,147.0000% | 33 |
| Efficiency ratio | 44.2482% | 4,563 |
| Assets per employee ($millions) | 7.1689% | 1,670 |
| Cash dividends to net income (ytd only)* | 104.3721% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7936% | 882 |
| Loan loss allowance to noncurrent loans | 1,424.7557% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,745 |
| Noncurrent loans to loans | 0.1259% | 3,678 |
| Net loans and leases to total assets | 69.6001% | 1,343 |
| Net loans and leases to deposits | 76.0318% | 1,906 |
| Net loans and leases to core deposits | 79.4851% | 2,054 |
| Total domestic deposits to total assets | 91.5407% | 233 |
| Equity capital to assets | 7.8476% | 4,574 |
| Core capital (leverage) ratio | 8.2022% | 4,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2599% | 2,181 |
| Memoranda: | ||
| Average total assets | $325,812,500 | 2,314 |
| Average earning assets | $299,868,000 | 2,331 |
| Average equity | $27,338,500 | 2,709 |
| Average total loans | $234,136,000 | 2,073 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9446% | 548 |
| Cost of funding earning assets | 0.6277% | 2,134 |
| Net interest margin | 4.3169% | 491 |
| Noninterest income to average assets | 0.7560% | 1,670 |
| Noninterest expense to average assets | 2.6589% | 2,360 |
| Loan and lease loss provision to assets | 0.2991% | 1,258 |
| Net operating income to assets | 1.7741% | 412 |
| Return on assets (ROA) | 1.8337% | 388 |
| Pretax return on assets | 1.8337% | 635 |
| Return on Equity (ROE) | 20.5768% | 207 |
| Retained earnings to average equity (ytd only) | 20.5768% | 64 |
| Net charge-offs to loans | 0.0050% | 3,169 |
| Credit loss provision to net charge-offs | 8,330.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 577.3000% | 210 |
| Efficiency ratio | 56.1888% | 3,964 |
| Assets per employee ($millions) | 6.2759% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 765 |
| Loan loss allowance to noncurrent loans | 1,933.1797% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,989 |
| Noncurrent loans to loans | 0.0967% | 3,910 |
| Net loans and leases to total assets | 71.6070% | 1,347 |
| Net loans and leases to deposits | 79.3397% | 1,944 |
| Net loans and leases to core deposits | 83.3734% | 2,090 |
| Total domestic deposits to total assets | 90.2536% | 468 |
| Equity capital to assets | 8.9988% | 4,054 |
| Core capital (leverage) ratio | 8.9063% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,456,000 | 2,407 |
| Average earning assets | $256,481,800 | 2,430 |
| Average equity | $24,814,400 | 2,820 |
| Average total loans | $200,236,800 | 2,236 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 498 |
| Cost of funding earning assets | 0.6851% | 2,118 |
| Net interest margin | 4.4208% | 453 |
| Noninterest income to average assets | 0.7149% | 1,749 |
| Noninterest expense to average assets | 2.6869% | 2,298 |
| Loan and lease loss provision to assets | 0.3212% | 1,233 |
| Net operating income to assets | 1.7930% | 455 |
| Return on assets (ROA) | 1.8747% | 427 |
| Pretax return on assets | 1.8747% | 672 |
| Return on Equity (ROE) | 21.0951% | 201 |
| Retained earnings to average equity (ytd only) | 21.0951% | 72 |
| Net charge-offs to loans | 0.0062% | 2,914 |
| Credit loss provision to net charge-offs | 7,255.5556% | 160 |
| Earnings coverage of net charge-offs (x) | 477.7778% | 240 |
| Efficiency ratio | 55.9652% | 3,924 |
| Assets per employee ($millions) | 6.7174% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 799 |
| Loan loss allowance to noncurrent loans | 1,833.7900% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 4,069 |
| Noncurrent loans to loans | 0.0957% | 3,983 |
| Net loans and leases to total assets | 74.3881% | 1,327 |
| Net loans and leases to deposits | 85.9417% | 1,715 |
| Net loans and leases to core deposits | 90.6710% | 1,913 |
| Total domestic deposits to total assets | 86.5564% | 1,835 |
| Equity capital to assets | 8.7275% | 4,309 |
| Core capital (leverage) ratio | 8.8154% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,190,250 | 2,429 |
| Average earning assets | $250,656,500 | 2,444 |
| Average equity | $24,099,750 | 2,862 |
| Average total loans | $194,196,000 | 2,288 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 502 |
| Cost of funding earning assets | 0.7507% | 2,115 |
| Net interest margin | 4.5192% | 484 |
| Noninterest income to average assets | 0.6940% | 1,759 |
| Noninterest expense to average assets | 2.6539% | 2,510 |
| Loan and lease loss provision to assets | 0.3451% | 1,232 |
| Net operating income to assets | 1.9139% | 398 |
| Return on assets (ROA) | 1.9446% | 413 |
| Pretax return on assets | 1.9446% | 617 |
| Return on Equity (ROE) | 21.7319% | 175 |
| Retained earnings to average equity (ytd only) | 21.7319% | 74 |
| Net charge-offs to loans | 0.0066% | 2,728 |
| Credit loss provision to net charge-offs | 7,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 491.0000% | 211 |
| Efficiency ratio | 54.0190% | 4,175 |
| Assets per employee ($millions) | 6.5879% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 717 |
| Loan loss allowance to noncurrent loans | 1,718.9189% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 4,149 |
| Noncurrent loans to loans | 0.1023% | 4,046 |
| Net loans and leases to total assets | 71.9430% | 1,715 |
| Net loans and leases to deposits | 84.3995% | 1,955 |
| Net loans and leases to core deposits | 89.3660% | 2,125 |
| Total domestic deposits to total assets | 85.2410% | 2,286 |
| Equity capital to assets | 8.5324% | 4,460 |
| Core capital (leverage) ratio | 8.7889% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,825,333 | 2,474 |
| Average earning assets | $243,493,000 | 2,467 |
| Average equity | $23,339,000 | 2,904 |
| Average total loans | $182,634,667 | 2,380 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 1,102 |
| Cost of funding earning assets | 0.8974% | 1,882 |
| Net interest margin | 4.0375% | 1,292 |
| Noninterest income to average assets | 0.6584% | 1,809 |
| Noninterest expense to average assets | 2.3604% | 3,627 |
| Loan and lease loss provision to assets | 0.1481% | 1,914 |
| Net operating income to assets | 1.9193% | 320 |
| Return on assets (ROA) | 1.9275% | 343 |
| Pretax return on assets | 1.9275% | 537 |
| Return on Equity (ROE) | 20.9472% | 136 |
| Retained earnings to average equity (ytd only) | 20.9472% | 54 |
| Net charge-offs to loans | 0.0073% | 2,310 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 418.6667% | 164 |
| Efficiency ratio | 53.3086% | 4,447 |
| Assets per employee ($millions) | 5.7579% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0523% | 469 |
| Loan loss allowance to noncurrent loans | 1,543.7500% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 4,165 |
| Noncurrent loans to loans | 0.1329% | 3,989 |
| Net loans and leases to total assets | 65.1415% | 2,918 |
| Net loans and leases to deposits | 74.4278% | 3,227 |
| Net loans and leases to core deposits | 79.2929% | 3,259 |
| Total domestic deposits to total assets | 87.5230% | 1,318 |
| Equity capital to assets | 9.0433% | 4,578 |
| Core capital (leverage) ratio | 9.2914% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,009,500 | 2,533 |
| Average earning assets | $226,872,000 | 2,518 |
| Average equity | $22,361,000 | 2,970 |
| Average total loans | $165,404,000 | 2,483 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6889% | 410 |
| Cost of funding earning assets | 0.8315% | 2,521 |
| Net interest margin | 4.8575% | 359 |
| Noninterest income to average assets | 0.7830% | 1,501 |
| Noninterest expense to average assets | 2.8254% | 2,514 |
| Loan and lease loss provision to assets | 0.2788% | 630 |
| Net operating income to assets | 2.2445% | 205 |
| Return on assets (ROA) | 2.2445% | 218 |
| Pretax return on assets | 2.2445% | 350 |
| Return on Equity (ROE) | 21.4068% | 150 |
| Retained earnings to average equity (ytd only) | 12.4956% | 203 |
| Net charge-offs to loans | -0.0756% | 4,905 |
| Credit loss provision to net charge-offs | -491.2281% | 4,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8246% | 4,540 |
| Assets per employee ($millions) | 5.8168% | 1,780 |
| Cash dividends to net income (ytd only)* | 41.6279% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 405 |
| Loan loss allowance to noncurrent loans | 1,387.2428% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 4,102 |
| Noncurrent loans to loans | 0.1497% | 3,928 |
| Net loans and leases to total assets | 68.3129% | 2,638 |
| Net loans and leases to deposits | 78.7090% | 2,940 |
| Net loans and leases to core deposits | 83.4278% | 3,005 |
| Total domestic deposits to total assets | 86.7917% | 1,711 |
| Equity capital to assets | 9.3741% | 4,447 |
| Core capital (leverage) ratio | 9.7623% | 3,777 |
| Tier 1 risk-based capital ratio | 14.3035% | 3,119 |
| Total risk-based capital ratio | 15.5651% | 3,025 |
| Memoranda: | ||
| Average total assets | $200,889,600 | 2,833 |
| Average earning assets | $188,823,200 | 2,810 |
| Average equity | $21,063,400 | 3,033 |
| Average total loans | $150,803,800 | 2,611 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 290 |
| Cost of funding earning assets | 0.7959% | 2,742 |
| Net interest margin | 5.1080% | 228 |
| Noninterest income to average assets | 0.7608% | 1,558 |
| Noninterest expense to average assets | 2.7220% | 2,803 |
| Loan and lease loss provision to assets | 0.2833% | 530 |
| Net operating income to assets | 2.5451% | 150 |
| Return on assets (ROA) | 2.5451% | 158 |
| Pretax return on assets | 2.5451% | 228 |
| Return on Equity (ROE) | 23.5219% | 122 |
| Retained earnings to average equity (ytd only) | 23.5219% | 30 |
| Net charge-offs to loans | -0.0352% | 4,747 |
| Credit loss provision to net charge-offs | -1,051.2821% | 4,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0413% | 4,797 |
| Assets per employee ($millions) | 5.5790% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0311% | 430 |
| Loan loss allowance to noncurrent loans | 1,263.4538% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 4,145 |
| Noncurrent loans to loans | 0.1608% | 3,967 |
| Net loans and leases to total assets | 69.7409% | 2,510 |
| Net loans and leases to deposits | 81.8167% | 2,710 |
| Net loans and leases to core deposits | 86.7445% | 2,845 |
| Total domestic deposits to total assets | 85.2404% | 2,324 |
| Equity capital to assets | 10.5211% | 3,525 |
| Core capital (leverage) ratio | 11.2048% | 2,470 |
| Tier 1 risk-based capital ratio | 15.0928% | 2,804 |
| Total risk-based capital ratio | 16.3530% | 2,732 |
| Memoranda: | ||
| Average total assets | $192,944,000 | 2,919 |
| Average earning assets | $180,914,000 | 2,896 |
| Average equity | $20,876,500 | 3,074 |
| Average total loans | $147,925,750 | 2,669 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1974% | 169 |
| Cost of funding earning assets | 0.7459% | 2,914 |
| Net interest margin | 5.4515% | 138 |
| Noninterest income to average assets | 0.7535% | 1,507 |
| Noninterest expense to average assets | 2.6969% | 2,918 |
| Loan and lease loss provision to assets | 0.2815% | 519 |
| Net operating income to assets | 2.8788% | 98 |
| Return on assets (ROA) | 2.8788% | 103 |
| Pretax return on assets | 2.8788% | 141 |
| Return on Equity (ROE) | 26.3206% | 73 |
| Retained earnings to average equity (ytd only) | 26.3206% | 20 |
| Net charge-offs to loans | -0.0494% | 4,821 |
| Credit loss provision to net charge-offs | -722.2222% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0444% | 4,991 |
| Assets per employee ($millions) | 4.6680% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 502 |
| Loan loss allowance to noncurrent loans | 1,284.9785% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 4,126 |
| Noncurrent loans to loans | 0.1532% | 3,997 |
| Net loans and leases to total assets | 79.8687% | 898 |
| Net loans and leases to deposits | 95.5631% | 1,088 |
| Net loans and leases to core deposits | 98.9549% | 1,811 |
| Total domestic deposits to total assets | 83.5769% | 3,020 |
| Equity capital to assets | 11.7064% | 2,439 |
| Core capital (leverage) ratio | 11.6319% | 2,073 |
| Tier 1 risk-based capital ratio | 15.6674% | 2,558 |
| Total risk-based capital ratio | 16.9289% | 2,488 |
| Memoranda: | ||
| Average total assets | $184,731,670 | 3,009 |
| Average earning assets | $172,942,670 | 2,992 |
| Average equity | $20,204,670 | 3,131 |
| Average total loans | $145,604,670 | 2,705 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4179% | 606 |
| Cost of funding earning assets | 0.7218% | 2,934 |
| Net interest margin | 4.6961% | 497 |
| Noninterest income to average assets | 0.7445% | 1,444 |
| Noninterest expense to average assets | 2.3882% | 3,795 |
| Loan and lease loss provision to assets | 0.2612% | 544 |
| Net operating income to assets | 2.5144% | 156 |
| Return on assets (ROA) | 2.5144% | 166 |
| Pretax return on assets | 2.5144% | 241 |
| Return on Equity (ROE) | 23.8415% | 121 |
| Retained earnings to average equity (ytd only) | 23.8415% | 54 |
| Net charge-offs to loans | -0.0084% | 4,166 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2479% | 5,015 |
| Assets per employee ($millions) | 5.9407% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9250% | 570 |
| Loan loss allowance to noncurrent loans | 247.0228% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 2,216 |
| Noncurrent loans to loans | 0.7793% | 2,084 |
| Net loans and leases to total assets | 78.0442% | 1,137 |
| Net loans and leases to deposits | 90.6841% | 1,545 |
| Net loans and leases to core deposits | 93.7786% | 2,146 |
| Total domestic deposits to total assets | 86.0617% | 2,255 |
| Equity capital to assets | 10.8986% | 2,951 |
| Core capital (leverage) ratio | 11.0297% | 2,548 |
| Tier 1 risk-based capital ratio | 15.1454% | 2,821 |
| Total risk-based capital ratio | 16.4063% | 2,725 |
| Memoranda: | ||
| Average total assets | $183,738,000 | 3,050 |
| Average earning assets | $172,909,500 | 3,027 |
| Average equity | $19,378,000 | 3,213 |
| Average total loans | $142,345,000 | 2,774 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3036% | 578 |
| Cost of funding earning assets | 0.5786% | 2,865 |
| Net interest margin | 4.7250% | 461 |
| Noninterest income to average assets | 0.6918% | 1,878 |
| Noninterest expense to average assets | 2.5595% | 3,442 |
| Loan and lease loss provision to assets | 0.2106% | 885 |
| Net operating income to assets | 2.4102% | 169 |
| Return on assets (ROA) | 2.4542% | 160 |
| Pretax return on assets | 2.4542% | 230 |
| Return on Equity (ROE) | 23.1694% | 124 |
| Retained earnings to average equity (ytd only) | 15.1393% | 110 |
| Net charge-offs to loans | 0.3396% | 564 |
| Credit loss provision to net charge-offs | 78.4922% | 2,887 |
| Earnings coverage of net charge-offs (x) | 9.7694% | 2,784 |
| Efficiency ratio | 49.4087% | 4,973 |
| Assets per employee ($millions) | 5.5550% | 1,908 |
| Cash dividends to net income (ytd only)* | 34.6583% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 518 |
| Loan loss allowance to noncurrent loans | 240.0356% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 2,203 |
| Noncurrent loans to loans | 0.8137% | 1,978 |
| Net loans and leases to total assets | 73.8859% | 1,955 |
| Net loans and leases to deposits | 86.1274% | 2,252 |
| Net loans and leases to core deposits | 89.0845% | 2,644 |
| Total domestic deposits to total assets | 85.7868% | 2,331 |
| Equity capital to assets | 10.1928% | 3,478 |
| Core capital (leverage) ratio | 10.8626% | 2,665 |
| Tier 1 risk-based capital ratio | 14.9739% | 2,839 |
| Total risk-based capital ratio | 16.2347% | 2,765 |
| Memoranda: | ||
| Average total assets | $168,119,200 | 3,188 |
| Average earning assets | $159,702,400 | 3,144 |
| Average equity | $17,808,000 | 3,316 |
| Average total loans | $132,790,600 | 2,848 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 530 |
| Cost of funding earning assets | 0.5445% | 2,900 |
| Net interest margin | 4.7490% | 421 |
| Noninterest income to average assets | 0.6743% | 1,961 |
| Noninterest expense to average assets | 2.4667% | 3,684 |
| Loan and lease loss provision to assets | 0.1899% | 941 |
| Net operating income to assets | 2.5332% | 151 |
| Return on assets (ROA) | 2.5932% | 134 |
| Pretax return on assets | 2.5932% | 198 |
| Return on Equity (ROE) | 24.2270% | 102 |
| Retained earnings to average equity (ytd only) | 24.2270% | 25 |
| Net charge-offs to loans | 0.0568% | 2,003 |
| Credit loss provision to net charge-offs | 417.8571% | 799 |
| Earnings coverage of net charge-offs (x) | 59.9324% | 1,065 |
| Efficiency ratio | 47.5297% | 5,073 |
| Assets per employee ($millions) | 5.2878% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1334% | 399 |
| Loan loss allowance to noncurrent loans | 174.3259% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 1,441 |
| Noncurrent loans to loans | 1.2238% | 1,379 |
| Net loans and leases to total assets | 80.6256% | 926 |
| Net loans and leases to deposits | 97.4889% | 998 |
| Net loans and leases to core deposits | 101.0773% | 1,694 |
| Total domestic deposits to total assets | 82.7024% | 3,403 |
| Equity capital to assets | 11.2063% | 2,466 |
| Core capital (leverage) ratio | 11.5178% | 2,154 |
| Tier 1 risk-based capital ratio | 15.7910% | 2,529 |
| Total risk-based capital ratio | 17.0549% | 2,460 |
| Memoranda: | ||
| Average total assets | $164,320,250 | 3,256 |
| Average earning assets | $156,239,000 | 3,203 |
| Average equity | $17,588,750 | 3,366 |
| Average total loans | $131,452,750 | 2,881 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1666% | 589 |
| Cost of funding earning assets | 0.4938% | 3,049 |
| Net interest margin | 4.6728% | 471 |
| Noninterest income to average assets | 0.6343% | 2,160 |
| Noninterest expense to average assets | 2.4291% | 3,827 |
| Loan and lease loss provision to assets | 0.1623% | 1,146 |
| Net operating income to assets | 2.5103% | 150 |
| Return on assets (ROA) | 2.5951% | 130 |
| Pretax return on assets | 2.5951% | 192 |
| Return on Equity (ROE) | 24.6454% | 95 |
| Retained earnings to average equity (ytd only) | 24.6454% | 28 |
| Net charge-offs to loans | 0.0140% | 2,671 |
| Credit loss provision to net charge-offs | 1,466.6667% | 292 |
| Earnings coverage of net charge-offs (x) | 241.5556% | 368 |
| Efficiency ratio | 47.6145% | 5,135 |
| Assets per employee ($millions) | 5.3259% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1174% | 429 |
| Loan loss allowance to noncurrent loans | 184.6203% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9570% | 1,574 |
| Noncurrent loans to loans | 1.1469% | 1,527 |
| Net loans and leases to total assets | 81.6744% | 746 |
| Net loans and leases to deposits | 98.6965% | 911 |
| Net loans and leases to core deposits | 101.6409% | 1,590 |
| Total domestic deposits to total assets | 82.7531% | 3,479 |
| Equity capital to assets | 10.9266% | 2,704 |
| Core capital (leverage) ratio | 11.1033% | 2,435 |
| Tier 1 risk-based capital ratio | 14.8305% | 2,957 |
| Total risk-based capital ratio | 16.0940% | 2,877 |
| Memoranda: | ||
| Average total assets | $162,691,000 | 3,286 |
| Average earning assets | $155,538,000 | 3,226 |
| Average equity | $17,131,000 | 3,431 |
| Average total loans | $128,804,000 | 2,923 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 836 |
| Cost of funding earning assets | 0.4568% | 3,151 |
| Net interest margin | 4.4626% | 665 |
| Noninterest income to average assets | 0.5499% | 2,521 |
| Noninterest expense to average assets | 2.2491% | 4,300 |
| Loan and lease loss provision to assets | 0.1635% | 1,099 |
| Net operating income to assets | 2.4200% | 168 |
| Return on assets (ROA) | 2.5909% | 127 |
| Pretax return on assets | 2.5909% | 189 |
| Return on Equity (ROE) | 25.0892% | 85 |
| Retained earnings to average equity (ytd only) | 25.0892% | 44 |
| Net charge-offs to loans | 0.0418% | 1,703 |
| Credit loss provision to net charge-offs | 507.6923% | 574 |
| Earnings coverage of net charge-offs (x) | 80.2308% | 702 |
| Efficiency ratio | 46.5402% | 5,247 |
| Assets per employee ($millions) | 5.3177% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2313% | 369 |
| Loan loss allowance to noncurrent loans | 237.4167% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 2,134 |
| Noncurrent loans to loans | 0.9398% | 1,947 |
| Net loans and leases to total assets | 75.7275% | 1,577 |
| Net loans and leases to deposits | 90.6218% | 1,613 |
| Net loans and leases to core deposits | 93.6469% | 2,168 |
| Total domestic deposits to total assets | 83.5644% | 3,477 |
| Equity capital to assets | 10.3313% | 3,237 |
| Core capital (leverage) ratio | 10.9214% | 2,519 |
| Tier 1 risk-based capital ratio | 15.0347% | 2,851 |
| Total risk-based capital ratio | 16.2998% | 2,781 |
| Memoranda: | ||
| Average total assets | $161,485,500 | 3,334 |
| Average earning assets | $154,975,500 | 3,266 |
| Average equity | $16,676,500 | 3,511 |
| Average total loans | $124,324,500 | 3,008 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 948 |
| Cost of funding earning assets | 0.3671% | 3,547 |
| Net interest margin | 4.4488% | 689 |
| Noninterest income to average assets | 0.5409% | 2,767 |
| Noninterest expense to average assets | 2.4637% | 3,902 |
| Loan and lease loss provision to assets | 0.1349% | 1,703 |
| Net operating income to assets | 2.2290% | 185 |
| Return on assets (ROA) | 2.2283% | 185 |
| Pretax return on assets | 2.2283% | 302 |
| Return on Equity (ROE) | 21.3172% | 150 |
| Retained earnings to average equity (ytd only) | 12.9801% | 133 |
| Net charge-offs to loans | -0.0831% | 5,328 |
| Credit loss provision to net charge-offs | -226.6667% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0341% | 5,165 |
| Assets per employee ($millions) | 4.9413% | 2,553 |
| Cash dividends to net income (ytd only)* | 39.1098% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3106% | 307 |
| Loan loss allowance to noncurrent loans | 233.1109% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 2,060 |
| Noncurrent loans to loans | 0.9912% | 1,784 |
| Net loans and leases to total assets | 74.7328% | 1,802 |
| Net loans and leases to deposits | 89.8207% | 1,798 |
| Net loans and leases to core deposits | 93.1220% | 2,273 |
| Total domestic deposits to total assets | 83.2022% | 3,497 |
| Equity capital to assets | 10.3224% | 3,364 |
| Core capital (leverage) ratio | 10.5854% | 2,752 |
| Tier 1 risk-based capital ratio | 14.8951% | 2,892 |
| Total risk-based capital ratio | 16.1611% | 2,820 |
| Memoranda: | ||
| Average total assets | $151,235,600 | 3,456 |
| Average earning assets | $145,725,400 | 3,373 |
| Average equity | $15,808,800 | 3,625 |
| Average total loans | $108,367,000 | 3,210 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 1,011 |
| Cost of funding earning assets | 0.3491% | 3,678 |
| Net interest margin | 4.4073% | 721 |
| Noninterest income to average assets | 0.5600% | 2,666 |
| Noninterest expense to average assets | 2.3382% | 4,192 |
| Loan and lease loss provision to assets | 0.1364% | 1,575 |
| Net operating income to assets | 2.3409% | 171 |
| Return on assets (ROA) | 2.3400% | 173 |
| Pretax return on assets | 2.3400% | 281 |
| Return on Equity (ROE) | 22.3117% | 129 |
| Retained earnings to average equity (ytd only) | 22.3117% | 38 |
| Net charge-offs to loans | -0.1204% | 5,429 |
| Credit loss provision to net charge-offs | -161.0526% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5556% | 5,316 |
| Assets per employee ($millions) | 5.3562% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3458% | 323 |
| Loan loss allowance to noncurrent loans | 216.2864% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 2,026 |
| Noncurrent loans to loans | 1.0846% | 1,773 |
| Net loans and leases to total assets | 76.3059% | 1,536 |
| Net loans and leases to deposits | 93.3114% | 1,379 |
| Net loans and leases to core deposits | 98.1744% | 1,869 |
| Total domestic deposits to total assets | 81.7755% | 3,842 |
| Equity capital to assets | 11.4366% | 2,434 |
| Core capital (leverage) ratio | 11.3078% | 2,180 |
| Tier 1 risk-based capital ratio | 16.0203% | 2,495 |
| Total risk-based capital ratio | 17.2874% | 2,425 |
| Memoranda: | ||
| Average total assets | $149,514,000 | 3,509 |
| Average earning assets | $144,361,750 | 3,421 |
| Average equity | $15,680,500 | 3,673 |
| Average total loans | $105,217,750 | 3,286 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 1,140 |
| Cost of funding earning assets | 0.3286% | 3,810 |
| Net interest margin | 4.3324% | 797 |
| Noninterest income to average assets | 0.5530% | 2,700 |
| Noninterest expense to average assets | 2.2456% | 4,469 |
| Loan and lease loss provision to assets | 0.1366% | 1,518 |
| Net operating income to assets | 2.3554% | 159 |
| Return on assets (ROA) | 2.3621% | 157 |
| Pretax return on assets | 2.3621% | 271 |
| Return on Equity (ROE) | 23.2258% | 102 |
| Retained earnings to average equity (ytd only) | 23.2258% | 39 |
| Net charge-offs to loans | -0.1521% | 5,529 |
| Credit loss provision to net charge-offs | -132.4675% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3997% | 5,418 |
| Assets per employee ($millions) | 5.0012% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4489% | 296 |
| Loan loss allowance to noncurrent loans | 218.5971% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 2,167 |
| Noncurrent loans to loans | 1.1203% | 1,754 |
| Net loans and leases to total assets | 71.1536% | 2,346 |
| Net loans and leases to deposits | 85.6803% | 2,260 |
| Net loans and leases to core deposits | 89.8778% | 2,540 |
| Total domestic deposits to total assets | 83.0454% | 3,552 |
| Equity capital to assets | 10.9107% | 2,913 |
| Core capital (leverage) ratio | 10.9665% | 2,447 |
| Tier 1 risk-based capital ratio | 15.8629% | 2,558 |
| Total risk-based capital ratio | 17.1305% | 2,494 |
| Memoranda: | ||
| Average total assets | $149,360,670 | 3,528 |
| Average earning assets | $144,260,330 | 3,439 |
| Average equity | $15,190,000 | 3,739 |
| Average total loans | $101,227,670 | 3,374 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 1,099 |
| Cost of funding earning assets | 0.3225% | 3,826 |
| Net interest margin | 4.2932% | 799 |
| Noninterest income to average assets | 0.5368% | 2,726 |
| Noninterest expense to average assets | 2.1500% | 4,754 |
| Loan and lease loss provision to assets | 0.1369% | 1,391 |
| Net operating income to assets | 2.3943% | 165 |
| Return on assets (ROA) | 2.4184% | 163 |
| Pretax return on assets | 2.4184% | 246 |
| Return on Equity (ROE) | 24.6849% | 90 |
| Retained earnings to average equity (ytd only) | 24.6849% | 53 |
| Net charge-offs to loans | -0.3048% | 5,689 |
| Credit loss provision to net charge-offs | -68.9189% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9289% | 5,535 |
| Assets per employee ($millions) | 5.0613% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6113% | 278 |
| Loan loss allowance to noncurrent loans | 209.1561% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 2,119 |
| Noncurrent loans to loans | 1.2485% | 1,618 |
| Net loans and leases to total assets | 66.7496% | 2,852 |
| Net loans and leases to deposits | 78.9214% | 2,874 |
| Net loans and leases to core deposits | 82.7985% | 3,012 |
| Total domestic deposits to total assets | 84.5773% | 3,272 |
| Equity capital to assets | 10.3436% | 3,357 |
| Core capital (leverage) ratio | 10.4412% | 2,966 |
| Tier 1 risk-based capital ratio | 16.0925% | 2,509 |
| Total risk-based capital ratio | 17.3613% | 2,453 |
| Memoranda: | ||
| Average total assets | $149,023,000 | 3,568 |
| Average earning assets | $143,856,000 | 3,476 |
| Average equity | $14,600,000 | 3,837 |
| Average total loans | $97,123,500 | 3,462 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,583 |
| Cost of funding earning assets | 0.3172% | 3,879 |
| Net interest margin | 4.1672% | 1,190 |
| Noninterest income to average assets | 0.7645% | 1,906 |
| Noninterest expense to average assets | 2.6352% | 3,570 |
| Loan and lease loss provision to assets | 0.1519% | 1,648 |
| Net operating income to assets | 1.9868% | 324 |
| Return on assets (ROA) | 2.0091% | 327 |
| Pretax return on assets | 2.0091% | 494 |
| Return on Equity (ROE) | 18.7644% | 277 |
| Retained earnings to average equity (ytd only) | 10.9986% | 306 |
| Net charge-offs to loans | 0.0889% | 2,431 |
| Credit loss provision to net charge-offs | 258.2278% | 1,119 |
| Earnings coverage of net charge-offs (x) | 36.3671% | 1,261 |
| Efficiency ratio | 55.2004% | 5,131 |
| Assets per employee ($millions) | 5.6026% | 1,779 |
| Cash dividends to net income (ytd only)* | 41.3857% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6696% | 263 |
| Loan loss allowance to noncurrent loans | 244.6184% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 2,385 |
| Noncurrent loans to loans | 1.0913% | 1,914 |
| Net loans and leases to total assets | 60.2549% | 3,821 |
| Net loans and leases to deposits | 68.6048% | 4,041 |
| Net loans and leases to core deposits | 70.9591% | 4,155 |
| Total domestic deposits to total assets | 87.8290% | 1,723 |
| Equity capital to assets | 9.2669% | 4,503 |
| Core capital (leverage) ratio | 10.1515% | 3,302 |
| Tier 1 risk-based capital ratio | 16.1101% | 2,500 |
| Total risk-based capital ratio | 17.3793% | 2,435 |
| Memoranda: | ||
| Average total assets | $134,336,600 | 3,763 |
| Average earning assets | $129,247,200 | 3,661 |
| Average equity | $14,383,600 | 3,896 |
| Average total loans | $88,906,400 | 3,597 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5614% | 1,380 |
| Cost of funding earning assets | 0.3126% | 3,948 |
| Net interest margin | 4.2488% | 1,029 |
| Noninterest income to average assets | 0.8629% | 1,537 |
| Noninterest expense to average assets | 2.6501% | 3,497 |
| Loan and lease loss provision to assets | 0.1568% | 1,480 |
| Net operating income to assets | 2.1367% | 275 |
| Return on assets (ROA) | 2.1675% | 274 |
| Pretax return on assets | 2.1675% | 413 |
| Return on Equity (ROE) | 19.4814% | 269 |
| Retained earnings to average equity (ytd only) | 19.4814% | 61 |
| Net charge-offs to loans | 0.0486% | 2,677 |
| Credit loss provision to net charge-offs | 478.1250% | 736 |
| Earnings coverage of net charge-offs (x) | 69.9304% | 856 |
| Efficiency ratio | 53.6070% | 5,266 |
| Assets per employee ($millions) | 4.9233% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6607% | 279 |
| Loan loss allowance to noncurrent loans | 200.8850% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 1,940 |
| Noncurrent loans to loans | 1.3245% | 1,675 |
| Net loans and leases to total assets | 68.7214% | 2,694 |
| Net loans and leases to deposits | 83.6669% | 2,528 |
| Net loans and leases to core deposits | 87.0597% | 2,838 |
| Total domestic deposits to total assets | 82.1369% | 3,907 |
| Equity capital to assets | 11.7883% | 2,270 |
| Core capital (leverage) ratio | 11.2578% | 2,227 |
| Tier 1 risk-based capital ratio | 17.1416% | 2,185 |
| Total risk-based capital ratio | 18.4121% | 2,137 |
| Memoranda: | ||
| Average total assets | $130,103,500 | 3,847 |
| Average earning assets | $124,957,500 | 3,755 |
| Average equity | $14,475,000 | 3,915 |
| Average total loans | $87,721,250 | 3,641 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 1,551 |
| Cost of funding earning assets | 0.3179% | 3,922 |
| Net interest margin | 4.1710% | 1,178 |
| Noninterest income to average assets | 0.9244% | 1,300 |
| Noninterest expense to average assets | 2.6231% | 3,646 |
| Loan and lease loss provision to assets | 0.1579% | 1,442 |
| Net operating income to assets | 2.1461% | 248 |
| Return on assets (ROA) | 2.1880% | 243 |
| Pretax return on assets | 2.1880% | 388 |
| Return on Equity (ROE) | 20.0758% | 238 |
| Retained earnings to average equity (ytd only) | 20.0758% | 57 |
| Net charge-offs to loans | 0.0747% | 2,116 |
| Credit loss provision to net charge-offs | 318.7500% | 920 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 1,045 |
| Efficiency ratio | 53.2370% | 5,367 |
| Assets per employee ($millions) | 4.7293% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7436% | 271 |
| Loan loss allowance to noncurrent loans | 200.0818% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 1,636 |
| Noncurrent loans to loans | 1.3712% | 1,632 |
| Net loans and leases to total assets | 67.9327% | 2,782 |
| Net loans and leases to deposits | 82.8350% | 2,609 |
| Net loans and leases to core deposits | 86.1282% | 2,883 |
| Total domestic deposits to total assets | 82.0097% | 3,993 |
| Equity capital to assets | 11.7173% | 2,342 |
| Core capital (leverage) ratio | 10.8289% | 2,616 |
| Tier 1 risk-based capital ratio | 16.1236% | 2,581 |
| Total risk-based capital ratio | 17.3931% | 2,519 |
| Memoranda: | ||
| Average total assets | $129,162,000 | 3,902 |
| Average earning assets | $123,950,670 | 3,803 |
| Average equity | $14,076,670 | 3,988 |
| Average total loans | $85,679,330 | 3,702 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 1,821 |
| Cost of funding earning assets | 0.3359% | 3,772 |
| Net interest margin | 4.0565% | 1,457 |
| Noninterest income to average assets | 1.3272% | 621 |
| Noninterest expense to average assets | 2.4696% | 4,167 |
| Loan and lease loss provision to assets | 0.1570% | 1,333 |
| Net operating income to assets | 2.6051% | 137 |
| Return on assets (ROA) | 2.6205% | 137 |
| Pretax return on assets | 2.6205% | 201 |
| Return on Equity (ROE) | 24.9670% | 99 |
| Retained earnings to average equity (ytd only) | 24.9670% | 46 |
| Net charge-offs to loans | -0.0095% | 4,512 |
| Credit loss provision to net charge-offs | -2,550.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2042% | 5,761 |
| Assets per employee ($millions) | 4.7905% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8225% | 268 |
| Loan loss allowance to noncurrent loans | 130.6616% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4373% | 1,443 |
| Noncurrent loans to loans | 2.1602% | 959 |
| Net loans and leases to total assets | 64.6563% | 3,159 |
| Net loans and leases to deposits | 78.6911% | 2,922 |
| Net loans and leases to core deposits | 82.9908% | 3,048 |
| Total domestic deposits to total assets | 82.1646% | 4,165 |
| Equity capital to assets | 10.9483% | 2,998 |
| Core capital (leverage) ratio | 10.5979% | 2,851 |
| Tier 1 risk-based capital ratio | 14.5173% | 3,384 |
| Total risk-based capital ratio | 15.7842% | 3,315 |
| Memoranda: | ||
| Average total assets | $129,897,500 | 3,912 |
| Average earning assets | $125,034,000 | 3,805 |
| Average equity | $13,634,000 | 4,057 |
| Average total loans | $83,923,500 | 3,759 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 1,442 |
| Cost of funding earning assets | 0.2697% | 4,586 |
| Net interest margin | 4.2874% | 986 |
| Noninterest income to average assets | 0.6260% | 2,586 |
| Noninterest expense to average assets | 2.6678% | 3,702 |
| Loan and lease loss provision to assets | 0.1656% | 1,386 |
| Net operating income to assets | 1.8844% | 415 |
| Return on assets (ROA) | 1.9712% | 372 |
| Pretax return on assets | 1.9712% | 569 |
| Return on Equity (ROE) | 18.9955% | 311 |
| Retained earnings to average equity (ytd only) | 11.5944% | 283 |
| Net charge-offs to loans | 0.4833% | 554 |
| Credit loss provision to net charge-offs | 51.1278% | 3,386 |
| Earnings coverage of net charge-offs (x) | 6.3283% | 3,243 |
| Efficiency ratio | 56.5479% | 5,293 |
| Assets per employee ($millions) | 5.4355% | 1,870 |
| Cash dividends to net income (ytd only)* | 38.9621% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9050% | 251 |
| Loan loss allowance to noncurrent loans | 148.6859% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3584% | 1,544 |
| Noncurrent loans to loans | 1.9538% | 1,081 |
| Net loans and leases to total assets | 60.8757% | 3,715 |
| Net loans and leases to deposits | 72.2271% | 3,691 |
| Net loans and leases to core deposits | 78.1778% | 3,529 |
| Total domestic deposits to total assets | 84.2838% | 3,371 |
| Equity capital to assets | 10.0475% | 3,903 |
| Core capital (leverage) ratio | 10.1502% | 3,318 |
| Tier 1 risk-based capital ratio | 14.4404% | 3,473 |
| Total risk-based capital ratio | 15.7087% | 3,374 |
| Memoranda: | ||
| Average total assets | $123,171,800 | 4,019 |
| Average earning assets | $117,554,200 | 3,933 |
| Average equity | $12,782,000 | 4,178 |
| Average total loans | $82,557,400 | 3,759 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 1,126 |
| Cost of funding earning assets | 0.2651% | 4,724 |
| Net interest margin | 4.4192% | 762 |
| Noninterest income to average assets | 0.6329% | 2,568 |
| Noninterest expense to average assets | 2.6127% | 3,829 |
| Loan and lease loss provision to assets | 0.1681% | 1,253 |
| Net operating income to assets | 2.0645% | 325 |
| Return on assets (ROA) | 2.1776% | 280 |
| Pretax return on assets | 2.1776% | 438 |
| Return on Equity (ROE) | 20.8066% | 228 |
| Retained earnings to average equity (ytd only) | 20.8066% | 62 |
| Net charge-offs to loans | 0.0644% | 2,658 |
| Credit loss provision to net charge-offs | 382.5000% | 789 |
| Earnings coverage of net charge-offs (x) | 50.8020% | 1,035 |
| Efficiency ratio | 53.9229% | 5,523 |
| Assets per employee ($millions) | 5.0815% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2224% | 195 |
| Loan loss allowance to noncurrent loans | 138.0144% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.7383% | 1,246 |
| Noncurrent loans to loans | 2.3348% | 904 |
| Net loans and leases to total assets | 66.0722% | 2,995 |
| Net loans and leases to deposits | 80.3492% | 2,843 |
| Net loans and leases to core deposits | 87.9136% | 2,668 |
| Total domestic deposits to total assets | 82.2313% | 4,090 |
| Equity capital to assets | 11.1753% | 2,820 |
| Core capital (leverage) ratio | 10.6472% | 2,880 |
| Tier 1 risk-based capital ratio | 15.4676% | 3,067 |
| Total risk-based capital ratio | 16.7417% | 2,982 |
| Memoranda: | ||
| Average total assets | $121,352,000 | 4,093 |
| Average earning assets | $115,673,250 | 4,012 |
| Average equity | $12,700,750 | 4,239 |
| Average total loans | $82,749,500 | 3,785 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 1,055 |
| Cost of funding earning assets | 0.2624% | 4,807 |
| Net interest margin | 4.4445% | 698 |
| Noninterest income to average assets | 0.6257% | 2,602 |
| Noninterest expense to average assets | 2.5324% | 4,131 |
| Loan and lease loss provision to assets | 0.1684% | 1,241 |
| Net operating income to assets | 2.1477% | 281 |
| Return on assets (ROA) | 2.2435% | 252 |
| Pretax return on assets | 2.2435% | 387 |
| Return on Equity (ROE) | 21.9347% | 197 |
| Retained earnings to average equity (ytd only) | 21.9347% | 65 |
| Net charge-offs to loans | 0.0823% | 2,223 |
| Credit loss provision to net charge-offs | 300.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 41.2647% | 1,110 |
| Efficiency ratio | 52.2302% | 5,697 |
| Assets per employee ($millions) | 4.7706% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1239% | 238 |
| Loan loss allowance to noncurrent loans | 133.0979% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7955% | 1,282 |
| Noncurrent loans to loans | 2.3471% | 997 |
| Net loans and leases to total assets | 65.9548% | 2,959 |
| Net loans and leases to deposits | 80.0084% | 2,778 |
| Net loans and leases to core deposits | 89.8672% | 2,363 |
| Total domestic deposits to total assets | 82.4348% | 4,144 |
| Equity capital to assets | 10.3261% | 3,655 |
| Core capital (leverage) ratio | 10.0968% | 3,467 |
| Tier 1 risk-based capital ratio | 14.6002% | 3,579 |
| Total risk-based capital ratio | 15.8731% | 3,491 |
| Memoranda: | ||
| Average total assets | $121,150,670 | 4,137 |
| Average earning assets | $115,109,000 | 4,047 |
| Average equity | $12,391,330 | 4,303 |
| Average total loans | $82,578,670 | 3,808 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,065 |
| Cost of funding earning assets | 0.2570% | 4,937 |
| Net interest margin | 4.4258% | 693 |
| Noninterest income to average assets | 0.6984% | 2,168 |
| Noninterest expense to average assets | 2.5596% | 4,066 |
| Loan and lease loss provision to assets | 0.1704% | 1,163 |
| Net operating income to assets | 2.1686% | 242 |
| Return on assets (ROA) | 2.1686% | 262 |
| Pretax return on assets | 2.1686% | 411 |
| Return on Equity (ROE) | 21.3084% | 212 |
| Retained earnings to average equity (ytd only) | 21.3084% | 79 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2510% | 5,794 |
| Assets per employee ($millions) | 4.6641% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2181% | 239 |
| Loan loss allowance to noncurrent loans | 212.0550% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1644% | 2,302 |
| Noncurrent loans to loans | 1.5176% | 1,859 |
| Net loans and leases to total assets | 65.0012% | 2,936 |
| Net loans and leases to deposits | 77.4023% | 2,891 |
| Net loans and leases to core deposits | 86.5068% | 2,497 |
| Total domestic deposits to total assets | 83.9783% | 3,826 |
| Equity capital to assets | 10.3565% | 3,708 |
| Core capital (leverage) ratio | 9.8885% | 3,765 |
| Tier 1 risk-based capital ratio | 14.6356% | 3,635 |
| Total risk-based capital ratio | 15.9102% | 3,549 |
| Memoranda: | ||
| Average total assets | $119,708,500 | 4,190 |
| Average earning assets | $113,606,500 | 4,105 |
| Average equity | $12,183,000 | 4,382 |
| Average total loans | $81,645,500 | 3,840 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 1,194 |
| Cost of funding earning assets | 0.2624% | 5,195 |
| Net interest margin | 4.4957% | 755 |
| Noninterest income to average assets | 0.6666% | 2,472 |
| Noninterest expense to average assets | 2.8551% | 3,281 |
| Loan and lease loss provision to assets | 0.2286% | 1,068 |
| Net operating income to assets | 1.8742% | 410 |
| Return on assets (ROA) | 1.9307% | 388 |
| Pretax return on assets | 1.9307% | 596 |
| Return on Equity (ROE) | 19.3473% | 290 |
| Retained earnings to average equity (ytd only) | 10.0478% | 509 |
| Net charge-offs to loans | 0.0790% | 3,362 |
| Credit loss provision to net charge-offs | 432.7586% | 601 |
| Earnings coverage of net charge-offs (x) | 39.8103% | 1,093 |
| Efficiency ratio | 57.5863% | 5,506 |
| Assets per employee ($millions) | 4.2196% | 3,505 |
| Cash dividends to net income (ytd only)* | 48.0660% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1413% | 254 |
| Loan loss allowance to noncurrent loans | 198.5328% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 2,266 |
| Noncurrent loans to loans | 1.5823% | 1,844 |
| Net loans and leases to total assets | 67.0961% | 2,713 |
| Net loans and leases to deposits | 81.7544% | 2,504 |
| Net loans and leases to core deposits | 86.7074% | 2,630 |
| Total domestic deposits to total assets | 82.0702% | 4,396 |
| Equity capital to assets | 9.9932% | 4,123 |
| Core capital (leverage) ratio | 11.1638% | 2,247 |
| Tier 1 risk-based capital ratio | 15.3344% | 3,298 |
| Total risk-based capital ratio | 16.6116% | 3,238 |
| Memoranda: | ||
| Average total assets | $109,804,200 | 4,388 |
| Average earning assets | $104,811,200 | 4,292 |
| Average equity | $10,957,600 | 4,568 |
| Average total loans | $73,382,800 | 4,080 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 1,168 |
| Cost of funding earning assets | 0.2666% | 5,243 |
| Net interest margin | 4.4998% | 737 |
| Noninterest income to average assets | 0.6746% | 2,455 |
| Noninterest expense to average assets | 2.7107% | 3,793 |
| Loan and lease loss provision to assets | 0.3033% | 645 |
| Net operating income to assets | 1.9643% | 367 |
| Return on assets (ROA) | 2.0411% | 334 |
| Pretax return on assets | 2.0411% | 521 |
| Return on Equity (ROE) | 20.4612% | 251 |
| Retained earnings to average equity (ytd only) | 17.9796% | 118 |
| Net charge-offs to loans | 0.0543% | 3,437 |
| Credit loss provision to net charge-offs | 844.8276% | 374 |
| Earnings coverage of net charge-offs (x) | 63.1655% | 835 |
| Efficiency ratio | 54.4505% | 5,779 |
| Assets per employee ($millions) | 4.3319% | 3,249 |
| Cash dividends to net income (ytd only)* | 12.1286% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3446% | 259 |
| Loan loss allowance to noncurrent loans | 206.6083% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.2714% | 2,418 |
| Noncurrent loans to loans | 1.6188% | 2,017 |
| Net loans and leases to total assets | 66.5841% | 2,760 |
| Net loans and leases to deposits | 83.5856% | 2,212 |
| Net loans and leases to core deposits | 89.0844% | 2,314 |
| Total domestic deposits to total assets | 79.6598% | 5,180 |
| Equity capital to assets | 10.5319% | 3,515 |
| Core capital (leverage) ratio | 12.1853% | 1,586 |
| Tier 1 risk-based capital ratio | 16.8383% | 2,670 |
| Total risk-based capital ratio | 18.1210% | 2,611 |
| Memoranda: | ||
| Average total assets | $107,717,750 | 4,465 |
| Average earning assets | $103,024,000 | 4,365 |
| Average equity | $10,745,250 | 4,639 |
| Average total loans | $71,267,250 | 4,182 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 1,293 |
| Cost of funding earning assets | 0.2729% | 5,257 |
| Net interest margin | 4.4201% | 819 |
| Noninterest income to average assets | 0.7089% | 2,234 |
| Noninterest expense to average assets | 2.6621% | 4,011 |
| Loan and lease loss provision to assets | 0.3054% | 641 |
| Net operating income to assets | 1.9551% | 373 |
| Return on assets (ROA) | 1.9759% | 367 |
| Pretax return on assets | 1.9759% | 587 |
| Return on Equity (ROE) | 20.2063% | 280 |
| Retained earnings to average equity (ytd only) | 16.3501% | 160 |
| Net charge-offs to loans | 0.0347% | 3,516 |
| Credit loss provision to net charge-offs | 1,350.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 99.9167% | 557 |
| Efficiency ratio | 54.0789% | 5,904 |
| Assets per employee ($millions) | 4.0803% | 3,681 |
| Cash dividends to net income (ytd only)* | 19.0840% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6005% | 233 |
| Loan loss allowance to noncurrent loans | 190.2861% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 2,234 |
| Noncurrent loans to loans | 1.8921% | 1,813 |
| Net loans and leases to total assets | 63.7754% | 3,103 |
| Net loans and leases to deposits | 75.6919% | 3,101 |
| Net loans and leases to core deposits | 80.6913% | 3,130 |
| Total domestic deposits to total assets | 84.2565% | 3,832 |
| Equity capital to assets | 10.5686% | 3,355 |
| Core capital (leverage) ratio | 10.0643% | 3,517 |
| Tier 1 risk-based capital ratio | 17.1862% | 2,542 |
| Total risk-based capital ratio | 18.4712% | 2,490 |
| Memoranda: | ||
| Average total assets | $106,080,670 | 4,532 |
| Average earning assets | $101,128,670 | 4,439 |
| Average equity | $10,373,000 | 4,728 |
| Average total loans | $69,160,330 | 4,265 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,277 |
| Cost of funding earning assets | 0.2841% | 5,230 |
| Net interest margin | 4.4051% | 799 |
| Noninterest income to average assets | 0.6599% | 2,403 |
| Noninterest expense to average assets | 2.6245% | 4,200 |
| Loan and lease loss provision to assets | 0.3054% | 627 |
| Net operating income to assets | 1.8817% | 408 |
| Return on assets (ROA) | 1.9231% | 400 |
| Pretax return on assets | 1.9231% | 623 |
| Return on Equity (ROE) | 20.4953% | 263 |
| Retained earnings to average equity (ytd only) | 12.4579% | 547 |
| Net charge-offs to loans | 0.0699% | 2,448 |
| Credit loss provision to net charge-offs | 675.0000% | 418 |
| Earnings coverage of net charge-offs (x) | 48.3333% | 766 |
| Efficiency ratio | 54.5455% | 5,967 |
| Assets per employee ($millions) | 4.2823% | 3,378 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4881% | 270 |
| Loan loss allowance to noncurrent loans | 160.5643% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.6636% | 2,124 |
| Noncurrent loans to loans | 2.1724% | 1,679 |
| Net loans and leases to total assets | 63.2420% | 3,025 |
| Net loans and leases to deposits | 74.1063% | 3,050 |
| Net loans and leases to core deposits | 78.6563% | 3,128 |
| Total domestic deposits to total assets | 85.3396% | 3,701 |
| Equity capital to assets | 9.5781% | 4,390 |
| Core capital (leverage) ratio | 9.7403% | 3,937 |
| Tier 1 risk-based capital ratio | 16.3016% | 3,009 |
| Total risk-based capital ratio | 17.5836% | 2,950 |
| Memoranda: | ||
| Average total assets | $106,077,000 | 4,584 |
| Average earning assets | $99,974,000 | 4,511 |
| Average equity | $9,953,500 | 4,823 |
| Average total loans | $68,648,000 | 4,312 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 2,054 |
| Cost of funding earning assets | 0.3307% | 5,316 |
| Net interest margin | 4.2112% | 1,321 |
| Noninterest income to average assets | 0.6763% | 2,671 |
| Noninterest expense to average assets | 3.1722% | 2,503 |
| Loan and lease loss provision to assets | 0.4813% | 585 |
| Net operating income to assets | 0.9799% | 2,424 |
| Return on assets (ROA) | 1.0104% | 2,342 |
| Pretax return on assets | 1.0104% | 3,310 |
| Return on Equity (ROE) | 9.9655% | 2,132 |
| Retained earnings to average equity (ytd only) | 8.0225% | 1,049 |
| Net charge-offs to loans | 0.0971% | 3,871 |
| Credit loss provision to net charge-offs | 911.5385% | 275 |
| Earnings coverage of net charge-offs (x) | 27.6731% | 1,265 |
| Efficiency ratio | 68.4637% | 4,108 |
| Assets per employee ($millions) | 4.0422% | 3,776 |
| Cash dividends to net income (ytd only)* | 19.4975% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5416% | 279 |
| Loan loss allowance to noncurrent loans | 147.9776% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7736% | 2,083 |
| Noncurrent loans to loans | 2.3934% | 1,596 |
| Net loans and leases to total assets | 61.6250% | 3,419 |
| Net loans and leases to deposits | 71.9638% | 3,529 |
| Net loans and leases to core deposits | 76.4525% | 3,563 |
| Total domestic deposits to total assets | 85.6333% | 3,441 |
| Equity capital to assets | 9.1848% | 4,820 |
| Core capital (leverage) ratio | 10.0654% | 3,473 |
| Tier 1 risk-based capital ratio | 16.5893% | 2,802 |
| Total risk-based capital ratio | 17.8733% | 2,749 |
| Memoranda: | ||
| Average total assets | $98,480,000 | 4,784 |
| Average earning assets | $92,539,200 | 4,710 |
| Average equity | $9,984,400 | 4,849 |
| Average total loans | $53,558,600 | 4,829 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4938% | 2,254 |
| Cost of funding earning assets | 0.3440% | 5,351 |
| Net interest margin | 4.1498% | 1,483 |
| Noninterest income to average assets | 0.6926% | 2,648 |
| Noninterest expense to average assets | 3.0776% | 2,736 |
| Loan and lease loss provision to assets | 0.5412% | 491 |
| Net operating income to assets | 0.9777% | 2,478 |
| Return on assets (ROA) | 1.0052% | 2,441 |
| Pretax return on assets | 1.0052% | 3,483 |
| Return on Equity (ROE) | 9.6681% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.6681% | 871 |
| Net charge-offs to loans | 0.1223% | 3,318 |
| Credit loss provision to net charge-offs | 854.3478% | 353 |
| Earnings coverage of net charge-offs (x) | 23.9790% | 1,443 |
| Efficiency ratio | 66.9563% | 4,314 |
| Assets per employee ($millions) | 3.7504% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9443% | 250 |
| Loan loss allowance to noncurrent loans | 142.9547% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 2.1198% | 1,882 |
| Noncurrent loans to loans | 2.7591% | 1,524 |
| Net loans and leases to total assets | 57.5172% | 4,087 |
| Net loans and leases to deposits | 68.0883% | 4,052 |
| Net loans and leases to core deposits | 72.9922% | 3,972 |
| Total domestic deposits to total assets | 84.4744% | 3,992 |
| Equity capital to assets | 9.9477% | 3,970 |
| Core capital (leverage) ratio | 10.5958% | 2,896 |
| Tier 1 risk-based capital ratio | 18.9002% | 2,017 |
| Total risk-based capital ratio | 20.1881% | 1,966 |
| Memoranda: | ||
| Average total assets | $96,825,750 | 4,858 |
| Average earning assets | $91,085,750 | 4,784 |
| Average equity | $10,067,250 | 4,882 |
| Average total loans | $50,162,250 | 4,994 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,459 |
| Cost of funding earning assets | 0.3594% | 5,321 |
| Net interest margin | 4.0704% | 1,632 |
| Noninterest income to average assets | 0.7040% | 2,614 |
| Noninterest expense to average assets | 2.9338% | 3,228 |
| Loan and lease loss provision to assets | 0.6460% | 384 |
| Net operating income to assets | 0.9462% | 2,589 |
| Return on assets (ROA) | 0.9835% | 2,545 |
| Pretax return on assets | 0.9835% | 3,584 |
| Return on Equity (ROE) | 9.3232% | 2,482 |
| Retained earnings to average equity (ytd only) | 9.3232% | 1,018 |
| Net charge-offs to loans | 0.2994% | 1,987 |
| Credit loss provision to net charge-offs | 439.4366% | 619 |
| Earnings coverage of net charge-offs (x) | 10.8310% | 2,119 |
| Efficiency ratio | 64.8216% | 4,737 |
| Assets per employee ($millions) | 3.8984% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4493% | 180 |
| Loan loss allowance to noncurrent loans | 133.9634% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 2.3835% | 1,794 |
| Noncurrent loans to loans | 3.3212% | 1,308 |
| Net loans and leases to total assets | 50.4291% | 5,063 |
| Net loans and leases to deposits | 56.5548% | 5,284 |
| Net loans and leases to core deposits | 60.5713% | 5,215 |
| Total domestic deposits to total assets | 89.1686% | 1,526 |
| Equity capital to assets | 10.4563% | 3,361 |
| Core capital (leverage) ratio | 10.1944% | 3,238 |
| Tier 1 risk-based capital ratio | 21.1984% | 1,446 |
| Total risk-based capital ratio | 22.4915% | 1,409 |
| Memoranda: | ||
| Average total assets | $96,597,670 | 4,903 |
| Average earning assets | $90,704,330 | 4,822 |
| Average equity | $10,189,670 | 4,893 |
| Average total loans | $47,420,330 | 5,124 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 3,191 |
| Cost of funding earning assets | 0.3698% | 5,373 |
| Net interest margin | 3.8586% | 2,250 |
| Noninterest income to average assets | 0.6564% | 2,841 |
| Noninterest expense to average assets | 2.8823% | 3,410 |
| Loan and lease loss provision to assets | 0.6360% | 391 |
| Net operating income to assets | 0.7542% | 3,413 |
| Return on assets (ROA) | 0.7624% | 3,511 |
| Pretax return on assets | 0.7624% | 4,320 |
| Return on Equity (ROE) | 7.1972% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.1972% | 2,072 |
| Net charge-offs to loans | 0.3617% | 1,551 |
| Credit loss provision to net charge-offs | 371.4286% | 681 |
| Earnings coverage of net charge-offs (x) | 8.1190% | 1,976 |
| Efficiency ratio | 67.4618% | 4,418 |
| Assets per employee ($millions) | 4.0498% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3491% | 219 |
| Loan loss allowance to noncurrent loans | 112.2493% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 2.5907% | 1,765 |
| Noncurrent loans to loans | 3.8745% | 1,183 |
| Net loans and leases to total assets | 46.8630% | 5,346 |
| Net loans and leases to deposits | 52.6926% | 5,554 |
| Net loans and leases to core deposits | 56.5884% | 5,467 |
| Total domestic deposits to total assets | 88.9366% | 1,714 |
| Equity capital to assets | 10.7136% | 3,305 |
| Core capital (leverage) ratio | 9.7412% | 3,735 |
| Tier 1 risk-based capital ratio | 20.7292% | 1,609 |
| Total risk-based capital ratio | 22.0191% | 1,566 |
| Memoranda: | ||
| Average total assets | $98,116,000 | 4,904 |
| Average earning assets | $91,950,500 | 4,843 |
| Average equity | $10,393,000 | 4,907 |
| Average total loans | $46,441,000 | 5,203 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 4,321 |
| Cost of funding earning assets | 0.5392% | 4,914 |
| Net interest margin | 3.7297% | 3,520 |
| Noninterest income to average assets | 0.9300% | 1,773 |
| Noninterest expense to average assets | 3.0431% | 3,119 |
| Loan and lease loss provision to assets | 0.8376% | 569 |
| Net operating income to assets | 0.5812% | 4,328 |
| Return on assets (ROA) | 0.6196% | 4,409 |
| Pretax return on assets | 0.6196% | 4,933 |
| Return on Equity (ROE) | 5.9211% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.6317% | 2,963 |
| Net charge-offs to loans | 1.6368% | 517 |
| Credit loss provision to net charge-offs | 114.6307% | 2,533 |
| Earnings coverage of net charge-offs (x) | 1.9418% | 4,452 |
| Efficiency ratio | 68.2019% | 4,110 |
| Assets per employee ($millions) | 4.1266% | 3,694 |
| Cash dividends to net income (ytd only)* | 21.7755% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3214% | 222 |
| Loan loss allowance to noncurrent loans | 108.6667% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 2.8767% | 1,656 |
| Noncurrent loans to loans | 3.9768% | 1,185 |
| Net loans and leases to total assets | 43.7277% | 5,840 |
| Net loans and leases to deposits | 49.0709% | 6,027 |
| Net loans and leases to core deposits | 52.6171% | 5,969 |
| Total domestic deposits to total assets | 89.1113% | 1,491 |
| Equity capital to assets | 10.4738% | 3,557 |
| Core capital (leverage) ratio | 9.8433% | 3,614 |
| Tier 1 risk-based capital ratio | 20.9171% | 1,482 |
| Total risk-based capital ratio | 22.2067% | 1,445 |
| Memoranda: | ||
| Average total assets | $96,348,200 | 4,930 |
| Average earning assets | $91,241,200 | 4,835 |
| Average equity | $10,082,600 | 4,967 |
| Average total loans | $43,009,600 | 5,380 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 4,343 |
| Cost of funding earning assets | 0.5859% | 4,782 |
| Net interest margin | 3.7410% | 3,603 |
| Noninterest income to average assets | 0.9699% | 1,598 |
| Noninterest expense to average assets | 2.9571% | 3,381 |
| Loan and lease loss provision to assets | 0.8236% | 567 |
| Net operating income to assets | 0.7219% | 3,819 |
| Return on assets (ROA) | 0.7651% | 3,877 |
| Pretax return on assets | 0.7651% | 4,612 |
| Return on Equity (ROE) | 7.3125% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.3125% | 1,936 |
| Net charge-offs to loans | 2.0637% | 341 |
| Credit loss provision to net charge-offs | 89.9543% | 3,298 |
| Earnings coverage of net charge-offs (x) | 1.6880% | 4,427 |
| Efficiency ratio | 65.6763% | 4,509 |
| Assets per employee ($millions) | 3.9128% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0820% | 284 |
| Loan loss allowance to noncurrent loans | 95.7128% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 3.1648% | 1,634 |
| Noncurrent loans to loans | 4.2649% | 1,146 |
| Net loans and leases to total assets | 44.6900% | 5,908 |
| Net loans and leases to deposits | 50.6450% | 6,062 |
| Net loans and leases to core deposits | 54.5635% | 6,003 |
| Total domestic deposits to total assets | 88.2416% | 1,882 |
| Equity capital to assets | 11.3250% | 2,907 |
| Core capital (leverage) ratio | 10.0575% | 3,462 |
| Tier 1 risk-based capital ratio | 22.0539% | 1,324 |
| Total risk-based capital ratio | 23.3617% | 1,293 |
| Memoranda: | ||
| Average total assets | $95,675,750 | 4,997 |
| Average earning assets | $90,347,500 | 4,900 |
| Average equity | $10,010,000 | 5,024 |
| Average total loans | $42,446,250 | 5,468 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3416% | 4,409 |
| Cost of funding earning assets | 0.6253% | 4,675 |
| Net interest margin | 3.7164% | 3,745 |
| Noninterest income to average assets | 0.9162% | 1,727 |
| Noninterest expense to average assets | 2.8442% | 3,854 |
| Loan and lease loss provision to assets | 0.7791% | 656 |
| Net operating income to assets | 0.7999% | 3,395 |
| Return on assets (ROA) | 0.8477% | 3,428 |
| Pretax return on assets | 0.8477% | 4,288 |
| Return on Equity (ROE) | 8.3251% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.3251% | 1,509 |
| Net charge-offs to loans | 3.0468% | 189 |
| Credit loss provision to net charge-offs | 58.5938% | 3,837 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 4,414 |
| Efficiency ratio | 64.3025% | 4,841 |
| Assets per employee ($millions) | 3.9571% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9190% | 362 |
| Loan loss allowance to noncurrent loans | 86.2969% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 3.2968% | 1,643 |
| Noncurrent loans to loans | 4.5413% | 1,161 |
| Net loans and leases to total assets | 40.9683% | 6,276 |
| Net loans and leases to deposits | 46.1334% | 6,428 |
| Net loans and leases to core deposits | 49.6339% | 6,358 |
| Total domestic deposits to total assets | 88.8040% | 1,634 |
| Equity capital to assets | 10.8223% | 3,317 |
| Core capital (leverage) ratio | 9.8203% | 3,686 |
| Tier 1 risk-based capital ratio | 22.0155% | 1,289 |
| Total risk-based capital ratio | 23.3196% | 1,260 |
| Memoranda: | ||
| Average total assets | $96,265,330 | 5,004 |
| Average earning assets | $90,841,670 | 4,904 |
| Average equity | $9,801,670 | 5,074 |
| Average total loans | $42,010,670 | 5,514 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3968% | 4,350 |
| Cost of funding earning assets | 0.6993% | 4,286 |
| Net interest margin | 3.6975% | 3,844 |
| Noninterest income to average assets | 0.8131% | 2,099 |
| Noninterest expense to average assets | 2.6663% | 4,562 |
| Loan and lease loss provision to assets | 0.7801% | 637 |
| Net operating income to assets | 0.8585% | 3,116 |
| Return on assets (ROA) | 0.8626% | 3,327 |
| Pretax return on assets | 0.8626% | 4,184 |
| Return on Equity (ROE) | 8.7416% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.7416% | 1,685 |
| Net charge-offs to loans | 0.1403% | 3,255 |
| Credit loss provision to net charge-offs | 1,260.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 26.4667% | 1,003 |
| Efficiency ratio | 61.9367% | 5,287 |
| Assets per employee ($millions) | 3.6355% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7897% | 203 |
| Loan loss allowance to noncurrent loans | 63.9143% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 4.8560% | 1,087 |
| Noncurrent loans to loans | 7.4939% | 562 |
| Net loans and leases to total assets | 42.6493% | 6,131 |
| Net loans and leases to deposits | 47.7258% | 6,302 |
| Net loans and leases to core deposits | 50.2180% | 6,325 |
| Total domestic deposits to total assets | 89.3633% | 1,443 |
| Equity capital to assets | 10.2611% | 3,778 |
| Core capital (leverage) ratio | 9.2216% | 4,478 |
| Tier 1 risk-based capital ratio | 20.5980% | 1,564 |
| Total risk-based capital ratio | 21.9093% | 1,524 |
| Memoranda: | ||
| Average total assets | $96,912,500 | 5,022 |
| Average earning assets | $91,521,500 | 4,922 |
| Average equity | $9,563,500 | 5,156 |
| Average total loans | $42,768,500 | 5,516 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 4,832 |
| Cost of funding earning assets | 0.8689% | 4,329 |
| Net interest margin | 3.6919% | 4,335 |
| Noninterest income to average assets | 0.9116% | 1,636 |
| Noninterest expense to average assets | 3.4405% | 2,139 |
| Loan and lease loss provision to assets | 1.1677% | 765 |
| Net operating income to assets | -0.2390% | 6,292 |
| Return on assets (ROA) | 0.2027% | 5,713 |
| Pretax return on assets | 0.2027% | 5,781 |
| Return on Equity (ROE) | 2.1165% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.4426% | 5,173 |
| Net charge-offs to loans | 1.8020% | 816 |
| Credit loss provision to net charge-offs | 145.2949% | 1,980 |
| Earnings coverage of net charge-offs (x) | 1.1556% | 4,926 |
| Efficiency ratio | 78.7445% | 2,493 |
| Assets per employee ($millions) | 3.9721% | 3,915 |
| Cash dividends to net income (ytd only)* | 31.8408% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2897% | 296 |
| Loan loss allowance to noncurrent loans | 51.8467% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 5.1610% | 1,020 |
| Noncurrent loans to loans | 8.2739% | 476 |
| Net loans and leases to total assets | 41.6332% | 6,414 |
| Net loans and leases to deposits | 46.2357% | 6,615 |
| Net loans and leases to core deposits | 52.3846% | 6,409 |
| Total domestic deposits to total assets | 90.0456% | 972 |
| Equity capital to assets | 9.4942% | 4,898 |
| Core capital (leverage) ratio | 9.2667% | 4,377 |
| Tier 1 risk-based capital ratio | 20.7441% | 1,470 |
| Total risk-based capital ratio | 22.0323% | 1,438 |
| Memoranda: | ||
| Average total assets | $99,170,200 | 4,910 |
| Average earning assets | $92,880,000 | 4,835 |
| Average equity | $9,496,600 | 5,155 |
| Average total loans | $44,228,200 | 5,502 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 4,643 |
| Cost of funding earning assets | 0.9116% | 4,325 |
| Net interest margin | 3.7470% | 4,120 |
| Noninterest income to average assets | 0.8823% | 1,713 |
| Noninterest expense to average assets | 3.2654% | 2,619 |
| Loan and lease loss provision to assets | 1.1499% | 694 |
| Net operating income to assets | -0.0336% | 6,197 |
| Return on assets (ROA) | 0.4653% | 4,889 |
| Pretax return on assets | 0.4653% | 5,273 |
| Return on Equity (ROE) | 4.8490% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.8490% | 3,278 |
| Net charge-offs to loans | 2.0171% | 628 |
| Credit loss provision to net charge-offs | 127.0431% | 2,524 |
| Earnings coverage of net charge-offs (x) | 1.2333% | 4,691 |
| Efficiency ratio | 74.5242% | 3,082 |
| Assets per employee ($millions) | 3.6336% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8390% | 445 |
| Loan loss allowance to noncurrent loans | 45.6107% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 5.7392% | 952 |
| Noncurrent loans to loans | 8.4169% | 502 |
| Net loans and leases to total assets | 44.3576% | 6,301 |
| Net loans and leases to deposits | 49.8471% | 6,509 |
| Net loans and leases to core deposits | 56.9561% | 6,226 |
| Total domestic deposits to total assets | 88.9873% | 1,436 |
| Equity capital to assets | 10.5469% | 3,648 |
| Core capital (leverage) ratio | 9.3480% | 4,378 |
| Tier 1 risk-based capital ratio | 20.5080% | 1,561 |
| Total risk-based capital ratio | 21.7904% | 1,522 |
| Memoranda: | ||
| Average total assets | $99,137,000 | 4,950 |
| Average earning assets | $92,587,250 | 4,880 |
| Average equity | $9,513,750 | 5,175 |
| Average total loans | $44,486,250 | 5,536 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 4,913 |
| Cost of funding earning assets | 0.9443% | 4,365 |
| Net interest margin | 3.6689% | 4,418 |
| Noninterest income to average assets | 0.9097% | 1,618 |
| Noninterest expense to average assets | 2.9595% | 3,792 |
| Loan and lease loss provision to assets | 0.6316% | 1,519 |
| Net operating income to assets | 0.7448% | 3,315 |
| Return on assets (ROA) | 0.8481% | 2,962 |
| Pretax return on assets | 0.8481% | 3,840 |
| Return on Equity (ROE) | 9.1204% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.1204% | 1,065 |
| Net charge-offs to loans | 2.2684% | 562 |
| Credit loss provision to net charge-offs | 62.5984% | 4,284 |
| Earnings coverage of net charge-offs (x) | 1.3642% | 4,257 |
| Efficiency ratio | 68.2547% | 4,468 |
| Assets per employee ($millions) | 3.7968% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 944 |
| Loan loss allowance to noncurrent loans | 44.6655% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 5.1784% | 1,177 |
| Noncurrent loans to loans | 6.5840% | 833 |
| Net loans and leases to total assets | 43.5305% | 6,472 |
| Net loans and leases to deposits | 48.5658% | 6,695 |
| Net loans and leases to core deposits | 56.2372% | 6,397 |
| Total domestic deposits to total assets | 89.6320% | 1,170 |
| Equity capital to assets | 9.9456% | 4,229 |
| Core capital (leverage) ratio | 9.1690% | 4,458 |
| Tier 1 risk-based capital ratio | 20.1774% | 1,576 |
| Total risk-based capital ratio | 21.4479% | 1,551 |
| Memoranda: | ||
| Average total assets | $100,691,670 | 4,945 |
| Average earning assets | $94,033,330 | 4,883 |
| Average equity | $9,363,670 | 5,219 |
| Average total loans | $44,788,670 | 5,572 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 5,223 |
| Cost of funding earning assets | 0.9944% | 4,240 |
| Net interest margin | 3.5413% | 4,843 |
| Noninterest income to average assets | 0.9914% | 1,352 |
| Noninterest expense to average assets | 2.7538% | 4,631 |
| Loan and lease loss provision to assets | 0.6334% | 1,362 |
| Net operating income to assets | 0.9245% | 2,462 |
| Return on assets (ROA) | 1.0818% | 1,953 |
| Pretax return on assets | 1.0818% | 2,825 |
| Return on Equity (ROE) | 12.0396% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.0396% | 734 |
| Net charge-offs to loans | 0.0799% | 4,141 |
| Credit loss provision to net charge-offs | 1,788.8889% | 220 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 634 |
| Efficiency ratio | 63.8686% | 5,384 |
| Assets per employee ($millions) | 3.8697% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7741% | 497 |
| Loan loss allowance to noncurrent loans | 40.1367% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 6.8173% | 801 |
| Noncurrent loans to loans | 9.4031% | 450 |
| Net loans and leases to total assets | 41.6610% | 6,655 |
| Net loans and leases to deposits | 46.1051% | 6,839 |
| Net loans and leases to core deposits | 53.5005% | 6,588 |
| Total domestic deposits to total assets | 90.3610% | 926 |
| Equity capital to assets | 9.2633% | 4,793 |
| Core capital (leverage) ratio | 8.8870% | 4,792 |
| Tier 1 risk-based capital ratio | 19.6405% | 1,664 |
| Total risk-based capital ratio | 20.9201% | 1,626 |
| Memoranda: | ||
| Average total assets | $101,679,000 | 4,951 |
| Average earning assets | $95,333,500 | 4,870 |
| Average equity | $9,136,500 | 5,277 |
| Average total loans | $45,046,000 | 5,606 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 5,492 |
| Cost of funding earning assets | 1.2509% | 4,210 |
| Net interest margin | 3.5284% | 5,117 |
| Noninterest income to average assets | 0.5418% | 3,875 |
| Noninterest expense to average assets | 3.2507% | 2,911 |
| Loan and lease loss provision to assets | 2.0310% | 642 |
| Net operating income to assets | -1.3947% | 6,872 |
| Return on assets (ROA) | -1.3818% | 6,885 |
| Pretax return on assets | -1.3818% | 6,813 |
| Return on Equity (ROE) | -13.2877% | 6,855 |
| Retained earnings to average equity (ytd only) | -13.2877% | 6,807 |
| Net charge-offs to loans | 3.9986% | 316 |
| Credit loss provision to net charge-offs | 103.7583% | 4,335 |
| Earnings coverage of net charge-offs (x) | 0.3250% | 5,781 |
| Efficiency ratio | 83.6317% | 1,963 |
| Assets per employee ($millions) | 3.4249% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2064% | 731 |
| Loan loss allowance to noncurrent loans | 24.4150% | 6,628 |
| Noncurrent assets plus other real estate owned to assets | 6.9793% | 787 |
| Noncurrent loans to loans | 13.1329% | 228 |
| Net loans and leases to total assets | 43.8363% | 6,729 |
| Net loans and leases to deposits | 48.3034% | 6,935 |
| Net loans and leases to core deposits | 58.7353% | 6,496 |
| Total domestic deposits to total assets | 90.7520% | 717 |
| Equity capital to assets | 8.7137% | 5,563 |
| Core capital (leverage) ratio | 8.5684% | 5,242 |
| Tier 1 risk-based capital ratio | 18.7813% | 1,771 |
| Total risk-based capital ratio | 20.0567% | 1,735 |
| Memoranda: | ||
| Average total assets | $100,592,600 | 4,968 |
| Average earning assets | $95,370,000 | 4,853 |
| Average equity | $10,460,800 | 4,992 |
| Average total loans | $49,242,400 | 5,516 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 5,123 |
| Cost of funding earning assets | 1.3020% | 4,202 |
| Net interest margin | 3.6304% | 4,726 |
| Noninterest income to average assets | 0.5117% | 4,087 |
| Noninterest expense to average assets | 3.1276% | 3,200 |
| Loan and lease loss provision to assets | 1.4352% | 938 |
| Net operating income to assets | -0.6103% | 6,670 |
| Return on assets (ROA) | -0.6103% | 6,717 |
| Pretax return on assets | -0.6103% | 6,619 |
| Return on Equity (ROE) | -5.6345% | 6,696 |
| Retained earnings to average equity (ytd only) | -5.6345% | 6,605 |
| Net charge-offs to loans | 2.8819% | 557 |
| Credit loss provision to net charge-offs | 99.8146% | 4,372 |
| Earnings coverage of net charge-offs (x) | 0.5737% | 5,442 |
| Efficiency ratio | 79.1301% | 2,469 |
| Assets per employee ($millions) | 3.1485% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8345% | 977 |
| Loan loss allowance to noncurrent loans | 30.7475% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 5.7795% | 1,053 |
| Noncurrent loans to loans | 9.2188% | 505 |
| Net loans and leases to total assets | 48.1425% | 6,510 |
| Net loans and leases to deposits | 54.2786% | 6,754 |
| Net loans and leases to core deposits | 66.1805% | 6,106 |
| Total domestic deposits to total assets | 88.6951% | 1,565 |
| Equity capital to assets | 10.7759% | 3,197 |
| Core capital (leverage) ratio | 9.6907% | 3,630 |
| Tier 1 risk-based capital ratio | 19.9183% | 1,565 |
| Total risk-based capital ratio | 21.1875% | 1,530 |
| Memoranda: | ||
| Average total assets | $100,054,250 | 5,043 |
| Average earning assets | $94,826,500 | 4,937 |
| Average equity | $10,837,750 | 4,963 |
| Average total loans | $49,920,000 | 5,568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 5,284 |
| Cost of funding earning assets | 1.3397% | 4,254 |
| Net interest margin | 3.5860% | 4,879 |
| Noninterest income to average assets | 0.5309% | 3,869 |
| Noninterest expense to average assets | 2.9753% | 3,804 |
| Loan and lease loss provision to assets | 0.8575% | 1,697 |
| Net operating income to assets | 0.1142% | 5,820 |
| Return on assets (ROA) | 0.1142% | 5,932 |
| Pretax return on assets | 0.1142% | 5,949 |
| Return on Equity (ROE) | 1.0525% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.0525% | 5,343 |
| Net charge-offs to loans | 3.5296% | 416 |
| Credit loss provision to net charge-offs | 48.5812% | 5,452 |
| Earnings coverage of net charge-offs (x) | 0.5505% | 5,188 |
| Efficiency ratio | 75.3807% | 3,188 |
| Assets per employee ($millions) | 4.9354% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 2,167 |
| Loan loss allowance to noncurrent loans | 22.7187% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 5.5993% | 1,092 |
| Noncurrent loans to loans | 8.8265% | 544 |
| Net loans and leases to total assets | 47.8249% | 6,635 |
| Net loans and leases to deposits | 54.1924% | 6,849 |
| Net loans and leases to core deposits | 65.1607% | 6,300 |
| Total domestic deposits to total assets | 88.2502% | 1,850 |
| Equity capital to assets | 11.2038% | 2,686 |
| Core capital (leverage) ratio | 10.0251% | 3,138 |
| Tier 1 risk-based capital ratio | 20.9031% | 1,354 |
| Total risk-based capital ratio | 22.1632% | 1,329 |
| Memoranda: | ||
| Average total assets | $99,821,330 | 5,080 |
| Average earning assets | $95,093,000 | 4,955 |
| Average equity | $10,831,330 | 4,962 |
| Average total loans | $49,920,000 | 5,608 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 5,695 |
| Cost of funding earning assets | 1.3229% | 4,672 |
| Net interest margin | 3.5234% | 5,071 |
| Noninterest income to average assets | 0.5220% | 3,878 |
| Noninterest expense to average assets | 2.7217% | 4,807 |
| Loan and lease loss provision to assets | 1.0241% | 1,214 |
| Net operating income to assets | 0.1514% | 5,852 |
| Return on assets (ROA) | 0.1514% | 5,982 |
| Pretax return on assets | 0.1514% | 6,020 |
| Return on Equity (ROE) | 1.4182% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.4182% | 5,231 |
| Net charge-offs to loans | 4.5045% | 284 |
| Credit loss provision to net charge-offs | 44.9301% | 4,556 |
| Earnings coverage of net charge-offs (x) | 0.5157% | 4,576 |
| Efficiency ratio | 69.8364% | 4,339 |
| Assets per employee ($millions) | 3.7866% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 1,797 |
| Loan loss allowance to noncurrent loans | 22.3778% | 6,886 |
| Noncurrent assets plus other real estate owned to assets | 5.6525% | 1,083 |
| Noncurrent loans to loans | 9.7394% | 442 |
| Net loans and leases to total assets | 48.4223% | 6,628 |
| Net loans and leases to deposits | 54.4668% | 6,886 |
| Net loans and leases to core deposits | 64.6031% | 6,413 |
| Total domestic deposits to total assets | 88.9024% | 1,566 |
| Equity capital to assets | 10.6066% | 3,137 |
| Core capital (leverage) ratio | 10.0304% | 3,130 |
| Tier 1 risk-based capital ratio | 20.2565% | 1,473 |
| Total risk-based capital ratio | 21.5192% | 1,440 |
| Memoranda: | ||
| Average total assets | $100,378,000 | 5,137 |
| Average earning assets | $96,156,000 | 4,982 |
| Average equity | $10,717,500 | 5,042 |
| Average total loans | $50,793,500 | 5,637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 4,881 |
| Cost of funding earning assets | 1.6416% | 4,838 |
| Net interest margin | 3.7205% | 4,041 |
| Noninterest income to average assets | 0.4895% | 4,490 |
| Noninterest expense to average assets | 2.8808% | 4,605 |
| Loan and lease loss provision to assets | 1.1999% | 1,918 |
| Net operating income to assets | -0.1136% | 5,695 |
| Return on assets (ROA) | -0.5384% | 6,214 |
| Pretax return on assets | -0.5384% | 6,044 |
| Return on Equity (ROE) | -4.5535% | 6,172 |
| Retained earnings to average equity (ytd only) | -4.5535% | 5,962 |
| Net charge-offs to loans | 1.6814% | 1,503 |
| Credit loss provision to net charge-offs | 131.8553% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.1937% | 4,929 |
| Efficiency ratio | 72.6178% | 4,163 |
| Assets per employee ($millions) | 3.2839% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7816% | 948 |
| Loan loss allowance to noncurrent loans | 24.6095% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 6.4882% | 845 |
| Noncurrent loans to loans | 11.3029% | 326 |
| Net loans and leases to total assets | 50.3055% | 6,605 |
| Net loans and leases to deposits | 56.7626% | 6,871 |
| Net loans and leases to core deposits | 72.4477% | 6,626 |
| Total domestic deposits to total assets | 88.6244% | 1,665 |
| Equity capital to assets | 10.7503% | 2,926 |
| Core capital (leverage) ratio | 10.2549% | 2,821 |
| Tier 1 risk-based capital ratio | 19.6692% | 1,530 |
| Total risk-based capital ratio | 20.9379% | 1,484 |
| Memoranda: | ||
| Average total assets | $94,174,800 | 5,267 |
| Average earning assets | $88,024,800 | 5,195 |
| Average equity | $11,134,400 | 4,985 |
| Average total loans | $50,970,400 | 5,625 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4541% | 4,666 |
| Cost of funding earning assets | 1.6956% | 4,919 |
| Net interest margin | 3.7585% | 3,825 |
| Noninterest income to average assets | 0.5801% | 3,852 |
| Noninterest expense to average assets | 2.8460% | 4,693 |
| Loan and lease loss provision to assets | 0.0645% | 6,710 |
| Net operating income to assets | 1.1587% | 1,565 |
| Return on assets (ROA) | 0.5973% | 3,667 |
| Pretax return on assets | 0.5973% | 4,196 |
| Return on Equity (ROE) | 4.9333% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.9333% | 2,531 |
| Net charge-offs to loans | 0.1491% | 5,216 |
| Credit loss provision to net charge-offs | 78.9474% | 5,791 |
| Earnings coverage of net charge-offs (x) | 14.9821% | 1,560 |
| Efficiency ratio | 69.9402% | 4,604 |
| Assets per employee ($millions) | 3.1750% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1856% | 1,445 |
| Loan loss allowance to noncurrent loans | 19.6736% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 7.0226% | 686 |
| Noncurrent loans to loans | 11.1094% | 322 |
| Net loans and leases to total assets | 53.2352% | 6,467 |
| Net loans and leases to deposits | 61.2806% | 6,733 |
| Net loans and leases to core deposits | 81.0803% | 6,262 |
| Total domestic deposits to total assets | 86.8713% | 2,247 |
| Equity capital to assets | 12.5009% | 1,953 |
| Core capital (leverage) ratio | 11.7175% | 1,962 |
| Tier 1 risk-based capital ratio | 20.9497% | 1,372 |
| Total risk-based capital ratio | 22.2101% | 1,351 |
| Memoranda: | ||
| Average total assets | $93,089,000 | 5,329 |
| Average earning assets | $86,415,750 | 5,291 |
| Average equity | $11,270,250 | 4,996 |
| Average total loans | $50,968,500 | 5,670 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6705% | 3,712 |
| Cost of funding earning assets | 1.7546% | 4,981 |
| Net interest margin | 3.9160% | 3,032 |
| Noninterest income to average assets | 0.6885% | 3,067 |
| Noninterest expense to average assets | 2.8126% | 4,906 |
| Loan and lease loss provision to assets | 0.0650% | 6,560 |
| Net operating income to assets | 1.4161% | 987 |
| Return on assets (ROA) | 0.5673% | 3,932 |
| Pretax return on assets | 0.5673% | 4,416 |
| Return on Equity (ROE) | 4.7387% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.7387% | 2,667 |
| Net charge-offs to loans | 0.0750% | 5,457 |
| Credit loss provision to net charge-offs | 157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 882 |
| Efficiency ratio | 65.5068% | 5,630 |
| Assets per employee ($millions) | 3.2563% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2583% | 1,155 |
| Loan loss allowance to noncurrent loans | 26.0302% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 6.3844% | 728 |
| Noncurrent loans to loans | 8.6755% | 466 |
| Net loans and leases to total assets | 54.8769% | 6,352 |
| Net loans and leases to deposits | 63.0373% | 6,652 |
| Net loans and leases to core deposits | 78.0988% | 6,541 |
| Total domestic deposits to total assets | 87.0546% | 2,227 |
| Equity capital to assets | 12.2369% | 2,066 |
| Core capital (leverage) ratio | 11.9791% | 1,838 |
| Tier 1 risk-based capital ratio | 20.9096% | 1,415 |
| Total risk-based capital ratio | 22.1643% | 1,382 |
| Memoranda: | ||
| Average total assets | $92,369,000 | 5,390 |
| Average earning assets | $85,036,000 | 5,379 |
| Average equity | $11,058,000 | 5,070 |
| Average total loans | $50,678,330 | 5,742 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5710% | 4,519 |
| Cost of funding earning assets | 1.7948% | 5,134 |
| Net interest margin | 3.7762% | 3,553 |
| Noninterest income to average assets | 0.6325% | 3,333 |
| Noninterest expense to average assets | 2.6676% | 5,157 |
| Loan and lease loss provision to assets | 0.0645% | 6,145 |
| Net operating income to assets | 1.3855% | 1,170 |
| Return on assets (ROA) | 1.3855% | 1,261 |
| Pretax return on assets | 1.3855% | 2,010 |
| Return on Equity (ROE) | 11.7000% | 1,758 |
| Retained earnings to average equity (ytd only) | 11.7000% | 847 |
| Net charge-offs to loans | -0.0317% | 7,570 |
| Credit loss provision to net charge-offs | -375.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7858% | 5,550 |
| Assets per employee ($millions) | 3.2123% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 963 |
| Loan loss allowance to noncurrent loans | 34.5411% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 5.0430% | 894 |
| Noncurrent loans to loans | 6.6166% | 647 |
| Net loans and leases to total assets | 53.3760% | 6,542 |
| Net loans and leases to deposits | 61.1905% | 6,799 |
| Net loans and leases to core deposits | 76.2346% | 6,661 |
| Total domestic deposits to total assets | 87.2292% | 2,106 |
| Equity capital to assets | 12.1256% | 2,182 |
| Core capital (leverage) ratio | 12.0455% | 1,879 |
| Tier 1 risk-based capital ratio | 20.8495% | 1,473 |
| Total risk-based capital ratio | 22.1110% | 1,442 |
| Memoranda: | ||
| Average total assets | $92,966,000 | 5,399 |
| Average earning assets | $85,801,500 | 5,367 |
| Average equity | $11,008,500 | 5,107 |
| Average total loans | $50,422,500 | 5,783 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1508% | 4,775 |
| Cost of funding earning assets | 2.1803% | 5,678 |
| Net interest margin | 3.9705% | 3,267 |
| Noninterest income to average assets | 0.7705% | 2,669 |
| Noninterest expense to average assets | 3.1049% | 3,678 |
| Loan and lease loss provision to assets | 0.0604% | 6,654 |
| Net operating income to assets | 1.3686% | 1,303 |
| Return on assets (ROA) | 1.1579% | 1,842 |
| Pretax return on assets | 1.1579% | 2,814 |
| Return on Equity (ROE) | 9.8846% | 2,299 |
| Retained earnings to average equity (ytd only) | 1.2086% | 4,501 |
| Net charge-offs to loans | 0.3942% | 2,844 |
| Credit loss provision to net charge-offs | 27.9188% | 6,542 |
| Earnings coverage of net charge-offs (x) | 6.6091% | 3,324 |
| Efficiency ratio | 68.4822% | 4,637 |
| Assets per employee ($millions) | 3.3134% | 5,180 |
| Cash dividends to net income (ytd only)* | 87.7725% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2919% | 863 |
| Loan loss allowance to noncurrent loans | 48.1295% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 3.9990% | 1,027 |
| Noncurrent loans to loans | 4.7620% | 965 |
| Net loans and leases to total assets | 52.6150% | 6,786 |
| Net loans and leases to deposits | 59.9867% | 7,089 |
| Net loans and leases to core deposits | 70.2012% | 7,177 |
| Total domestic deposits to total assets | 87.7110% | 1,604 |
| Equity capital to assets | 11.5560% | 2,599 |
| Core capital (leverage) ratio | 11.4000% | 2,311 |
| Tier 1 risk-based capital ratio | 19.4048% | 1,731 |
| Total risk-based capital ratio | 20.6656% | 1,686 |
| Memoranda: | ||
| Average total assets | $91,113,400 | 5,314 |
| Average earning assets | $86,363,000 | 5,216 |
| Average equity | $10,673,200 | 5,220 |
| Average total loans | $49,977,600 | 5,702 |