Home > The Covington Savings and Loan Association > Performance and Condition Ratios
The Covington Savings and Loan Association, 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 | 3.9785% | 4,280 |
| Cost of funding earning assets | 0.6173% | 4,239 |
| Net interest margin | 3.3613% | 2,641 |
| Noninterest income to average assets | 0.2000% | 3,558 |
| Noninterest expense to average assets | 2.3051% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9542% | 2,403 |
| Return on assets (ROA) | 0.9542% | 2,405 |
| Pretax return on assets | 1.1856% | 2,284 |
| Return on Equity (ROE) | 5.6800% | 3,405 |
| Retained earnings to average equity (ytd only) | 5.6771% | 2,369 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 66.0352% | 2,238 |
| Assets per employee ($millions) | 4.5793% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4756% | 4,275 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| 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 | 54.8400% | 3,289 |
| Net loans and leases to deposits | 65.8378% | 3,143 |
| Net loans and leases to core deposits | 66.4633% | 3,454 |
| Total domestic deposits to total assets | 83.2900% | 3,068 |
| Equity capital to assets | 16.4816% | 431 |
| Core capital (leverage) ratio | 17.3861% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $84,680,500 | 3,901 |
| Average earning assets | $82,945,000 | 3,847 |
| Average equity | $14,232,500 | 3,440 |
| Average total loans | $47,837,500 | 3,848 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 4,190 |
| Cost of funding earning assets | 0.5559% | 4,294 |
| Net interest margin | 3.5969% | 1,880 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 2.2662% | 2,956 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.1817% | 1,547 |
| Return on assets (ROA) | 1.1817% | 1,546 |
| Pretax return on assets | 1.4294% | 1,434 |
| Return on Equity (ROE) | 7.3100% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.3114% | 1,331 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 60.8336% | 3,070 |
| Assets per employee ($millions) | 4.3345% | 3,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 4,290 |
| 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 | 57.6900% | 3,134 |
| Net loans and leases to deposits | 69.7605% | 2,968 |
| Net loans and leases to core deposits | 70.4620% | 3,333 |
| Total domestic deposits to total assets | 82.6900% | 3,103 |
| Equity capital to assets | 17.1514% | 388 |
| Core capital (leverage) ratio | 17.2527% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $84,369,800 | 3,912 |
| Average earning assets | $82,570,600 | 3,850 |
| Average equity | $13,636,200 | 3,459 |
| Average total loans | $49,110,200 | 3,827 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 4,193 |
| Cost of funding earning assets | 0.5362% | 4,333 |
| Net interest margin | 3.6185% | 1,796 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 2.2323% | 2,991 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.2285% | 1,461 |
| Return on assets (ROA) | 1.2285% | 1,467 |
| Pretax return on assets | 1.4735% | 1,354 |
| Return on Equity (ROE) | 7.7200% | 2,835 |
| Retained earnings to average equity (ytd only) | 7.7153% | 1,485 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 59.6057% | 3,206 |
| Assets per employee ($millions) | 4.5267% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4563% | 4,337 |
| Loan loss allowance to noncurrent loans | 950.0000% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,545 |
| Noncurrent loans to loans | 0.0480% | 3,463 |
| Net loans and leases to total assets | 61.0500% | 2,830 |
| Net loans and leases to deposits | 73.7939% | 2,688 |
| Net loans and leases to core deposits | 74.2045% | 3,172 |
| Total domestic deposits to total assets | 82.7300% | 2,922 |
| Equity capital to assets | 17.0702% | 408 |
| Core capital (leverage) ratio | 17.1744% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $84,873,500 | 3,924 |
| Average earning assets | $83,052,750 | 3,868 |
| Average equity | $13,514,000 | 3,471 |
| Average total loans | $49,453,500 | 3,832 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 4,163 |
| Cost of funding earning assets | 0.5132% | 4,344 |
| Net interest margin | 3.6517% | 1,690 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.2045% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2999% | 1,259 |
| Return on assets (ROA) | 1.2999% | 1,273 |
| Pretax return on assets | 1.5627% | 1,172 |
| Return on Equity (ROE) | 8.3500% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.3543% | 1,268 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.4464% | 3,349 |
| Assets per employee ($millions) | 4.6045% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4077% | 4,379 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.4200% | 2,916 |
| Net loans and leases to deposits | 72.6138% | 2,799 |
| Net loans and leases to core deposits | 73.0076% | 3,217 |
| Total domestic deposits to total assets | 83.2000% | 2,826 |
| Equity capital to assets | 16.4923% | 434 |
| Core capital (leverage) ratio | 15.7936% | 517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $86,004,333 | 3,934 |
| Average earning assets | $84,180,333 | 3,873 |
| Average equity | $13,382,333 | 3,464 |
| Average total loans | $49,281,000 | 3,844 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 4,286 |
| Cost of funding earning assets | 0.4801% | 4,369 |
| Net interest margin | 3.4865% | 1,925 |
| Noninterest income to average assets | 0.1900% | 3,706 |
| Noninterest expense to average assets | 2.2063% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.1785% | 1,490 |
| Return on assets (ROA) | 1.1785% | 1,501 |
| Pretax return on assets | 1.4024% | 1,425 |
| Return on Equity (ROE) | 7.8000% | 2,748 |
| Retained earnings to average equity (ytd only) | 7.7952% | 1,602 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 61.1392% | 3,139 |
| Assets per employee ($millions) | 5.4324% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4142% | 4,365 |
| 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 | 56.1600% | 3,183 |
| Net loans and leases to deposits | 66.5676% | 3,131 |
| Net loans and leases to core deposits | 66.9052% | 3,484 |
| Total domestic deposits to total assets | 84.3600% | 2,620 |
| Equity capital to assets | 15.3810% | 515 |
| Core capital (leverage) ratio | 15.2907% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $87,566,000 | 3,938 |
| Average earning assets | $85,816,000 | 3,871 |
| Average equity | $13,239,000 | 3,482 |
| Average total loans | $48,782,500 | 3,870 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 4,092 |
| Cost of funding earning assets | 0.2891% | 4,383 |
| Net interest margin | 3.6020% | 1,966 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.4660% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9587% | 2,340 |
| Return on assets (ROA) | 0.9587% | 2,333 |
| Pretax return on assets | 1.2563% | 1,992 |
| Return on Equity (ROE) | 6.6600% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.6557% | 2,007 |
| Net charge-offs to loans | 0.0041% | 2,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 553.0000% | 268 |
| Efficiency ratio | 66.2496% | 2,317 |
| Assets per employee ($millions) | 5.1890% | 3,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 4,378 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 54.8100% | 3,287 |
| Net loans and leases to deposits | 64.9764% | 3,241 |
| Net loans and leases to core deposits | 65.3003% | 3,531 |
| Total domestic deposits to total assets | 84.3500% | 2,521 |
| Equity capital to assets | 14.8606% | 568 |
| Core capital (leverage) ratio | 15.1583% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $88,038,200 | 3,935 |
| Average earning assets | $86,119,200 | 3,869 |
| Average equity | $12,680,800 | 3,465 |
| Average total loans | $48,607,800 | 3,860 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 4,061 |
| Cost of funding earning assets | 0.2480% | 4,404 |
| Net interest margin | 3.6066% | 1,994 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.5956% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8440% | 2,882 |
| Return on assets (ROA) | 0.8440% | 2,865 |
| Pretax return on assets | 1.1273% | 2,485 |
| Return on Equity (ROE) | 5.9100% | 3,654 |
| Retained earnings to average equity (ytd only) | 5.9063% | 2,659 |
| Net charge-offs to loans | 0.0055% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 385 |
| Efficiency ratio | 69.7192% | 1,818 |
| Assets per employee ($millions) | 5.2819% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4147% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 57.6800% | 3,052 |
| Net loans and leases to deposits | 68.4740% | 2,949 |
| Net loans and leases to core deposits | 68.7929% | 3,281 |
| Total domestic deposits to total assets | 84.2400% | 2,705 |
| Equity capital to assets | 15.1095% | 527 |
| Core capital (leverage) ratio | 14.8892% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $87,994,500 | 3,948 |
| Average earning assets | $86,025,750 | 3,884 |
| Average equity | $12,573,750 | 3,463 |
| Average total loans | $48,622,250 | 3,868 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 4,031 |
| Cost of funding earning assets | 0.1952% | 4,435 |
| Net interest margin | 3.5946% | 2,051 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.1535% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2226% | 1,768 |
| Return on assets (ROA) | 1.2226% | 1,761 |
| Pretax return on assets | 1.5456% | 1,507 |
| Return on Equity (ROE) | 8.7100% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.7140% | 1,758 |
| Net charge-offs to loans | 0.0082% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 344.5000% | 407 |
| Efficiency ratio | 58.2171% | 3,168 |
| Assets per employee ($millions) | 5.2691% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4141% | 4,433 |
| Loan loss allowance to noncurrent loans | 700.0000% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,459 |
| Noncurrent loans to loans | 0.0592% | 3,271 |
| Net loans and leases to total assets | 54.5100% | 3,233 |
| Net loans and leases to deposits | 63.8932% | 3,195 |
| Net loans and leases to core deposits | 64.1686% | 3,441 |
| Total domestic deposits to total assets | 85.3100% | 2,457 |
| Equity capital to assets | 14.2607% | 611 |
| Core capital (leverage) ratio | 14.5911% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $89,156,000 | 3,948 |
| Average earning assets | $87,074,333 | 3,888 |
| Average equity | $12,508,667 | 3,487 |
| Average total loans | $48,512,667 | 3,877 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 4,106 |
| Cost of funding earning assets | 0.1475% | 4,460 |
| Net interest margin | 3.4993% | 2,365 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.0012% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2637% | 1,765 |
| Return on assets (ROA) | 1.2637% | 1,735 |
| Pretax return on assets | 1.5965% | 1,469 |
| Return on Equity (ROE) | 9.0800% | 3,025 |
| Retained earnings to average equity (ytd only) | 9.0821% | 1,928 |
| Net charge-offs to loans | 0.0166% | 1,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 177.5000% | 543 |
| Efficiency ratio | 55.6250% | 3,444 |
| Assets per employee ($millions) | 5.2257% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4190% | 4,489 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.3100% | 3,176 |
| Net loans and leases to deposits | 63.4267% | 3,135 |
| Net loans and leases to core deposits | 63.7006% | 3,365 |
| Total domestic deposits to total assets | 85.6200% | 2,696 |
| Equity capital to assets | 14.0989% | 581 |
| Core capital (leverage) ratio | 14.3618% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,946,500 | 4,006 |
| Average earning assets | $86,759,500 | 3,945 |
| Average equity | $12,376,000 | 3,540 |
| Average total loans | $48,255,500 | 3,932 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8314% | 4,297 |
| Cost of funding earning assets | 0.0878% | 4,437 |
| Net interest margin | 2.7436% | 3,984 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.9881% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6885% | 3,646 |
| Return on assets (ROA) | 0.6885% | 3,598 |
| Pretax return on assets | 0.8691% | 3,432 |
| Return on Equity (ROE) | 5.0700% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.0690% | 3,021 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.5825% | 1,748 |
| Assets per employee ($millions) | 5.2386% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4265% | 4,485 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 3,945 |
| Noncurrent loans to loans | 0.0021% | 3,874 |
| Net loans and leases to total assets | 53.7400% | 3,222 |
| Net loans and leases to deposits | 62.6153% | 3,143 |
| Net loans and leases to core deposits | 62.8843% | 3,338 |
| Total domestic deposits to total assets | 85.8300% | 2,773 |
| Equity capital to assets | 13.7296% | 600 |
| Core capital (leverage) ratio | 13.5536% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $88,021,600 | 4,036 |
| Average earning assets | $85,434,000 | 3,976 |
| Average equity | $11,955,000 | 3,675 |
| Average total loans | $45,002,000 | 3,976 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5638% | 4,416 |
| Cost of funding earning assets | 0.0752% | 4,455 |
| Net interest margin | 2.4886% | 4,219 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.0023% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4785% | 4,121 |
| Return on assets (ROA) | 0.4785% | 4,070 |
| Pretax return on assets | 0.6031% | 3,983 |
| Return on Equity (ROE) | 3.5300% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.5332% | 3,603 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.8513% | 1,007 |
| Assets per employee ($millions) | 5.2831% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4442% | 4,523 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.1600% | 3,371 |
| Net loans and leases to deposits | 59.3056% | 3,259 |
| Net loans and leases to core deposits | 59.5415% | 3,416 |
| Total domestic deposits to total assets | 86.2600% | 2,999 |
| Equity capital to assets | 13.3601% | 631 |
| Core capital (leverage) ratio | 13.3218% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $87,763,000 | 4,069 |
| Average earning assets | $85,132,750 | 4,007 |
| Average equity | $11,887,000 | 3,722 |
| Average total loans | $44,236,250 | 4,015 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3011% | 4,520 |
| Cost of funding earning assets | 0.0664% | 4,479 |
| Net interest margin | 2.2348% | 4,393 |
| Noninterest income to average assets | 0.1906% | 4,049 |
| Noninterest expense to average assets | 2.0028% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2825% | 4,320 |
| Return on assets (ROA) | 0.2825% | 4,271 |
| Pretax return on assets | 0.3537% | 4,221 |
| Return on Equity (ROE) | 2.0760% | 4,346 |
| Retained earnings to average equity (ytd only) | 2.0760% | 3,729 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9903% | 625 |
| Assets per employee ($millions) | 5.9747% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4590% | 4,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.6028% | 3,416 |
| Net loans and leases to deposits | 57.3911% | 3,279 |
| Net loans and leases to core deposits | 57.6195% | 3,451 |
| Total domestic deposits to total assets | 86.4294% | 3,133 |
| Equity capital to assets | 13.2426% | 623 |
| Core capital (leverage) ratio | 13.3910% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,080,000 | 4,117 |
| Average earning assets | $84,393,333 | 4,070 |
| Average equity | $11,849,667 | 3,795 |
| Average total loans | $43,597,667 | 4,079 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2033% | 4,528 |
| Cost of funding earning assets | 0.0674% | 4,477 |
| Net interest margin | 2.1360% | 4,411 |
| Noninterest income to average assets | 0.1911% | 4,018 |
| Noninterest expense to average assets | 2.0324% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1818% | 4,354 |
| Return on assets (ROA) | 0.1818% | 4,324 |
| Pretax return on assets | 0.2284% | 4,292 |
| Return on Equity (ROE) | 1.3175% | 4,372 |
| Retained earnings to average equity (ytd only) | 1.3175% | 3,745 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8969% | 551 |
| Assets per employee ($millions) | 5.3802% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4703% | 4,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.3979% | 3,132 |
| Net loans and leases to deposits | 58.6516% | 3,019 |
| Net loans and leases to core deposits | 59.1022% | 3,225 |
| Total domestic deposits to total assets | 85.9275% | 3,282 |
| Equity capital to assets | 13.7623% | 559 |
| Core capital (leverage) ratio | 13.6031% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,810,000 | 4,151 |
| Average earning assets | $83,147,500 | 4,101 |
| Average equity | $11,840,500 | 3,875 |
| Average total loans | $43,067,000 | 4,101 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3074% | 4,585 |
| Cost of funding earning assets | 0.1001% | 4,382 |
| Net interest margin | 2.2073% | 4,480 |
| Noninterest income to average assets | 0.1938% | 4,202 |
| Noninterest expense to average assets | 2.0550% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2201% | 4,514 |
| Return on assets (ROA) | 0.2201% | 4,534 |
| Pretax return on assets | 0.2751% | 4,515 |
| Return on Equity (ROE) | 1.5621% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.5621% | 4,102 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1930% | 377 |
| Assets per employee ($millions) | 5.0316% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4818% | 4,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.4990% | 3,349 |
| Net loans and leases to deposits | 57.6211% | 3,284 |
| Net loans and leases to core deposits | 58.0652% | 3,468 |
| Total domestic deposits to total assets | 85.9043% | 2,944 |
| Equity capital to assets | 13.8349% | 700 |
| Core capital (leverage) ratio | 13.5889% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,599,800 | 4,169 |
| Average earning assets | $80,913,000 | 4,119 |
| Average equity | $11,778,800 | 3,958 |
| Average total loans | $42,285,000 | 4,143 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3479% | 4,656 |
| Cost of funding earning assets | 0.1078% | 4,439 |
| Net interest margin | 2.2401% | 4,533 |
| Noninterest income to average assets | 0.1941% | 4,231 |
| Noninterest expense to average assets | 2.0758% | 3,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2294% | 4,600 |
| Return on assets (ROA) | 0.2294% | 4,623 |
| Pretax return on assets | 0.2855% | 4,600 |
| Return on Equity (ROE) | 1.6206% | 4,641 |
| Retained earnings to average equity (ytd only) | 1.6206% | 4,291 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9076% | 374 |
| Assets per employee ($millions) | 4.7147% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4805% | 4,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 50.0300% | 3,412 |
| Net loans and leases to deposits | 58.3399% | 3,380 |
| Net loans and leases to core deposits | 58.7817% | 3,565 |
| Total domestic deposits to total assets | 85.7562% | 2,839 |
| Equity capital to assets | 13.9091% | 757 |
| Core capital (leverage) ratio | 13.8067% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,115,500 | 4,225 |
| Average earning assets | $80,409,750 | 4,176 |
| Average equity | $11,765,000 | 4,012 |
| Average total loans | $42,220,000 | 4,196 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3851% | 4,680 |
| Cost of funding earning assets | 0.1178% | 4,456 |
| Net interest margin | 2.2673% | 4,546 |
| Noninterest income to average assets | 0.1890% | 4,258 |
| Noninterest expense to average assets | 2.0840% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2399% | 4,592 |
| Return on assets (ROA) | 0.2399% | 4,607 |
| Pretax return on assets | 0.2981% | 4,591 |
| Return on Equity (ROE) | 1.6848% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.6848% | 4,194 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4873% | 418 |
| Assets per employee ($millions) | 4.6938% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4872% | 4,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 49.5561% | 3,601 |
| Net loans and leases to deposits | 57.8205% | 3,561 |
| Net loans and leases to core deposits | 58.2590% | 3,743 |
| Total domestic deposits to total assets | 85.7068% | 2,836 |
| Equity capital to assets | 13.9535% | 722 |
| Core capital (leverage) ratio | 13.9605% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,532,333 | 4,259 |
| Average earning assets | $79,830,000 | 4,211 |
| Average equity | $11,752,000 | 4,017 |
| Average total loans | $42,072,333 | 4,229 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4608% | 4,673 |
| Cost of funding earning assets | 0.1319% | 4,444 |
| Net interest margin | 2.3289% | 4,489 |
| Noninterest income to average assets | 0.1962% | 4,211 |
| Noninterest expense to average assets | 2.1090% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2698% | 4,561 |
| Return on assets (ROA) | 0.2698% | 4,587 |
| Pretax return on assets | 0.3384% | 4,556 |
| Return on Equity (ROE) | 1.8750% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.8750% | 4,035 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1723% | 502 |
| Assets per employee ($millions) | 4.8744% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4930% | 4,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 49.9348% | 3,631 |
| Net loans and leases to deposits | 58.4278% | 3,604 |
| Net loans and leases to core deposits | 58.8793% | 3,774 |
| Total domestic deposits to total assets | 85.4641% | 2,938 |
| Equity capital to assets | 14.1871% | 630 |
| Core capital (leverage) ratio | 14.3895% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,554,500 | 4,288 |
| Average earning assets | $78,835,000 | 4,236 |
| Average equity | $11,733,500 | 4,028 |
| Average total loans | $42,071,500 | 4,255 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9344% | 4,683 |
| Cost of funding earning assets | 0.2243% | 4,490 |
| Net interest margin | 2.7100% | 4,368 |
| Noninterest income to average assets | 0.2203% | 4,178 |
| Noninterest expense to average assets | 2.2271% | 3,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4824% | 4,064 |
| Return on assets (ROA) | 0.4824% | 4,149 |
| Pretax return on assets | 0.6054% | 4,071 |
| Return on Equity (ROE) | 3.0895% | 4,354 |
| Retained earnings to average equity (ytd only) | 3.0895% | 3,304 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6260% | 986 |
| Assets per employee ($millions) | 4.7203% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4817% | 4,803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.7821% | 3,603 |
| Net loans and leases to deposits | 62.0486% | 3,603 |
| Net loans and leases to core deposits | 62.8898% | 3,776 |
| Total domestic deposits to total assets | 85.0657% | 2,736 |
| Equity capital to assets | 14.5941% | 656 |
| Core capital (leverage) ratio | 14.6988% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,999,000 | 4,323 |
| Average earning assets | $71,327,400 | 4,275 |
| Average equity | $11,555,200 | 4,023 |
| Average total loans | $41,205,800 | 4,285 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0359% | 4,708 |
| Cost of funding earning assets | 0.2465% | 4,527 |
| Net interest margin | 2.7894% | 4,352 |
| Noninterest income to average assets | 0.2246% | 4,147 |
| Noninterest expense to average assets | 2.2842% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5006% | 4,033 |
| Return on assets (ROA) | 0.5006% | 4,120 |
| Pretax return on assets | 0.6277% | 4,055 |
| Return on Equity (ROE) | 3.1491% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.1491% | 3,455 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4450% | 989 |
| Assets per employee ($millions) | 4.2592% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4785% | 4,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 55.6166% | 3,655 |
| Net loans and leases to deposits | 65.8578% | 3,631 |
| Net loans and leases to core deposits | 66.7810% | 3,842 |
| Total domestic deposits to total assets | 84.4494% | 2,655 |
| Equity capital to assets | 15.1814% | 595 |
| Core capital (leverage) ratio | 15.4705% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $72,437,500 | 4,356 |
| Average earning assets | $69,785,250 | 4,311 |
| Average equity | $11,516,250 | 4,031 |
| Average total loans | $40,867,250 | 4,323 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1451% | 4,758 |
| Cost of funding earning assets | 0.2545% | 4,610 |
| Net interest margin | 2.8905% | 4,323 |
| Noninterest income to average assets | 0.2337% | 4,081 |
| Noninterest expense to average assets | 2.3230% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5519% | 3,881 |
| Return on assets (ROA) | 0.5519% | 3,962 |
| Pretax return on assets | 0.6927% | 3,887 |
| Return on Equity (ROE) | 3.4160% | 4,258 |
| Retained earnings to average equity (ytd only) | 3.4160% | 3,217 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0308% | 1,151 |
| Assets per employee ($millions) | 3.8120% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4918% | 4,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.2679% | 3,582 |
| Net loans and leases to deposits | 68.4941% | 3,525 |
| Net loans and leases to core deposits | 68.8020% | 3,807 |
| Total domestic deposits to total assets | 83.6099% | 2,879 |
| Equity capital to assets | 16.0007% | 472 |
| Core capital (leverage) ratio | 15.8509% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $71,028,000 | 4,386 |
| Average earning assets | $68,361,000 | 4,340 |
| Average equity | $11,475,333 | 4,049 |
| Average total loans | $40,208,333 | 4,350 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 4,819 |
| Cost of funding earning assets | 0.2603% | 4,751 |
| Net interest margin | 3.0294% | 4,231 |
| Noninterest income to average assets | 0.2673% | 3,937 |
| Noninterest expense to average assets | 2.3490% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6598% | 3,410 |
| Return on assets (ROA) | 0.6598% | 3,472 |
| Pretax return on assets | 0.8304% | 3,328 |
| Return on Equity (ROE) | 4.0636% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.0636% | 2,657 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8819% | 1,836 |
| Assets per employee ($millions) | 3.6526% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5060% | 4,868 |
| Loan loss allowance to noncurrent loans | 525.6410% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,310 |
| Noncurrent loans to loans | 0.0963% | 4,120 |
| Net loans and leases to total assets | 58.0778% | 3,665 |
| Net loans and leases to deposits | 69.9417% | 3,597 |
| Net loans and leases to core deposits | 70.2709% | 3,864 |
| Total domestic deposits to total assets | 83.0375% | 3,098 |
| Equity capital to assets | 16.5576% | 502 |
| Core capital (leverage) ratio | 16.4096% | 470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,328,000 | 4,409 |
| Average earning assets | $67,603,500 | 4,359 |
| Average equity | $11,418,500 | 4,077 |
| Average total loans | $39,471,000 | 4,386 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 4,873 |
| Cost of funding earning assets | 0.2573% | 4,833 |
| Net interest margin | 3.2152% | 4,153 |
| Noninterest income to average assets | 0.2541% | 4,155 |
| Noninterest expense to average assets | 2.4540% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7167% | 3,813 |
| Return on assets (ROA) | 0.7167% | 3,878 |
| Pretax return on assets | 0.9041% | 3,733 |
| Return on Equity (ROE) | 4.5509% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.5509% | 2,681 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0769% | 1,720 |
| Assets per employee ($millions) | 3.7503% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5334% | 4,846 |
| Loan loss allowance to noncurrent loans | 310.6061% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,164 |
| Noncurrent loans to loans | 0.1717% | 3,846 |
| Net loans and leases to total assets | 53.6460% | 4,099 |
| Net loans and leases to deposits | 64.1451% | 4,066 |
| Net loans and leases to core deposits | 64.4360% | 4,261 |
| Total domestic deposits to total assets | 83.6323% | 2,983 |
| Equity capital to assets | 15.9229% | 623 |
| Core capital (leverage) ratio | 15.6527% | 569 |
| Tier 1 risk-based capital ratio | 42.9070% | 198 |
| Total risk-based capital ratio | 43.6854% | 201 |
| Memoranda: | ||
| Average total assets | $70,457,000 | 4,423 |
| Average earning assets | $68,020,000 | 4,372 |
| Average equity | $11,096,600 | 4,113 |
| Average total loans | $38,568,200 | 4,436 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 4,948 |
| Cost of funding earning assets | 0.2536% | 4,917 |
| Net interest margin | 3.2638% | 4,162 |
| Noninterest income to average assets | 0.2524% | 4,228 |
| Noninterest expense to average assets | 2.4690% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7420% | 3,875 |
| Return on assets (ROA) | 0.7420% | 3,938 |
| Pretax return on assets | 0.9337% | 3,783 |
| Return on Equity (ROE) | 4.7246% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.7246% | 3,042 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5600% | 1,752 |
| Assets per employee ($millions) | 3.5394% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5375% | 4,916 |
| Loan loss allowance to noncurrent loans | 305.9701% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,240 |
| Noncurrent loans to loans | 0.1757% | 3,906 |
| Net loans and leases to total assets | 53.5839% | 4,214 |
| Net loans and leases to deposits | 64.0467% | 4,169 |
| Net loans and leases to core deposits | 64.3214% | 4,350 |
| Total domestic deposits to total assets | 83.6639% | 2,948 |
| Equity capital to assets | 15.8699% | 661 |
| Core capital (leverage) ratio | 15.7959% | 585 |
| Tier 1 risk-based capital ratio | 42.2885% | 208 |
| Total risk-based capital ratio | 43.0634% | 213 |
| Memoranda: | ||
| Average total assets | $70,257,250 | 4,483 |
| Average earning assets | $67,814,000 | 4,427 |
| Average equity | $11,034,250 | 4,155 |
| Average total loans | $38,602,500 | 4,491 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 4,985 |
| Cost of funding earning assets | 0.2513% | 4,956 |
| Net interest margin | 3.2848% | 4,171 |
| Noninterest income to average assets | 0.2511% | 4,254 |
| Noninterest expense to average assets | 2.4229% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7934% | 3,681 |
| Return on assets (ROA) | 0.7934% | 3,740 |
| Pretax return on assets | 0.9989% | 3,557 |
| Return on Equity (ROE) | 5.0694% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.0694% | 2,735 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8090% | 2,095 |
| Assets per employee ($millions) | 3.4747% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 4,979 |
| Loan loss allowance to noncurrent loans | 931.8182% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,613 |
| Noncurrent loans to loans | 0.0566% | 4,428 |
| Net loans and leases to total assets | 55.5941% | 4,098 |
| Net loans and leases to deposits | 66.5369% | 4,060 |
| Net loans and leases to core deposits | 66.8270% | 4,275 |
| Total domestic deposits to total assets | 83.5537% | 3,030 |
| Equity capital to assets | 16.0131% | 616 |
| Core capital (leverage) ratio | 15.8623% | 568 |
| Tier 1 risk-based capital ratio | 42.4605% | 205 |
| Total risk-based capital ratio | 43.2456% | 206 |
| Memoranda: | ||
| Average total assets | $70,080,330 | 4,515 |
| Average earning assets | $67,644,330 | 4,466 |
| Average equity | $10,967,670 | 4,179 |
| Average total loans | $38,758,000 | 4,525 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 5,019 |
| Cost of funding earning assets | 0.2414% | 5,007 |
| Net interest margin | 3.2907% | 4,182 |
| Noninterest income to average assets | 0.2444% | 4,258 |
| Noninterest expense to average assets | 2.4213% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7957% | 3,636 |
| Return on assets (ROA) | 0.7957% | 3,682 |
| Pretax return on assets | 1.0004% | 3,438 |
| Return on Equity (ROE) | 5.1435% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.1435% | 2,845 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7641% | 2,230 |
| Assets per employee ($millions) | 3.5151% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5330% | 5,041 |
| Loan loss allowance to noncurrent loans | 661.2903% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,615 |
| Noncurrent loans to loans | 0.0806% | 4,400 |
| Net loans and leases to total assets | 54.4152% | 4,179 |
| Net loans and leases to deposits | 64.7578% | 4,137 |
| Net loans and leases to core deposits | 65.0352% | 4,328 |
| Total domestic deposits to total assets | 84.0289% | 3,038 |
| Equity capital to assets | 15.5913% | 635 |
| Core capital (leverage) ratio | 15.8678% | 551 |
| Tier 1 risk-based capital ratio | 42.3586% | 199 |
| Total risk-based capital ratio | 43.1517% | 201 |
| Memoranda: | ||
| Average total assets | $70,374,000 | 4,564 |
| Average earning assets | $67,950,000 | 4,513 |
| Average equity | $10,887,500 | 4,210 |
| Average total loans | $38,717,500 | 4,576 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2196% | 5,135 |
| Cost of funding earning assets | 0.1537% | 5,161 |
| Net interest margin | 3.0660% | 4,706 |
| Noninterest income to average assets | 0.2769% | 4,252 |
| Noninterest expense to average assets | 2.3318% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6922% | 4,155 |
| Return on assets (ROA) | 0.6922% | 4,160 |
| Pretax return on assets | 0.9085% | 3,875 |
| Return on Equity (ROE) | 4.5421% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.5421% | 3,028 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9626% | 1,903 |
| Assets per employee ($millions) | 3.5223% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 5,093 |
| Loan loss allowance to noncurrent loans | 379.6296% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,438 |
| Noncurrent loans to loans | 0.1386% | 4,117 |
| Net loans and leases to total assets | 55.0351% | 4,206 |
| Net loans and leases to deposits | 65.3354% | 4,167 |
| Net loans and leases to core deposits | 65.9488% | 4,361 |
| Total domestic deposits to total assets | 84.2347% | 2,926 |
| Equity capital to assets | 15.3508% | 637 |
| Core capital (leverage) ratio | 15.2056% | 644 |
| Tier 1 risk-based capital ratio | 35.7266% | 303 |
| Total risk-based capital ratio | 36.4042% | 311 |
| Memoranda: | ||
| Average total assets | $69,344,600 | 4,592 |
| Average earning assets | $67,026,000 | 4,540 |
| Average equity | $10,567,800 | 4,225 |
| Average total loans | $36,183,000 | 4,653 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1519% | 5,222 |
| Cost of funding earning assets | 0.1298% | 5,277 |
| Net interest margin | 3.0221% | 4,820 |
| Noninterest income to average assets | 0.2838% | 4,257 |
| Noninterest expense to average assets | 2.3628% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6390% | 4,402 |
| Return on assets (ROA) | 0.6390% | 4,408 |
| Pretax return on assets | 0.8416% | 4,189 |
| Return on Equity (ROE) | 4.2005% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.2005% | 3,673 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7349% | 1,632 |
| Assets per employee ($millions) | 3.2903% | 4,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5439% | 5,137 |
| Loan loss allowance to noncurrent loans | 683.3333% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,754 |
| Noncurrent loans to loans | 0.0796% | 4,523 |
| Net loans and leases to total assets | 54.2492% | 4,349 |
| Net loans and leases to deposits | 64.5375% | 4,304 |
| Net loans and leases to core deposits | 64.5375% | 4,489 |
| Total domestic deposits to total assets | 84.0584% | 2,922 |
| Equity capital to assets | 15.4322% | 632 |
| Core capital (leverage) ratio | 15.2865% | 635 |
| Tier 1 risk-based capital ratio | 35.9688% | 303 |
| Total risk-based capital ratio | 36.6606% | 313 |
| Memoranda: | ||
| Average total assets | $69,069,250 | 4,639 |
| Average earning assets | $66,751,500 | 4,593 |
| Average equity | $10,506,250 | 4,271 |
| Average total loans | $35,485,000 | 4,722 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0531% | 5,310 |
| Cost of funding earning assets | 0.1079% | 5,385 |
| Net interest margin | 2.9453% | 4,953 |
| Noninterest income to average assets | 0.2664% | 4,403 |
| Noninterest expense to average assets | 2.3255% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5995% | 4,493 |
| Return on assets (ROA) | 0.5995% | 4,499 |
| Pretax return on assets | 0.7877% | 4,284 |
| Return on Equity (ROE) | 3.9602% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.9602% | 3,627 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6977% | 1,608 |
| Assets per employee ($millions) | 3.4541% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5667% | 5,168 |
| Loan loss allowance to noncurrent loans | 325.3968% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 4,557 |
| Noncurrent loans to loans | 0.1741% | 4,123 |
| Net loans and leases to total assets | 52.0715% | 4,475 |
| Net loans and leases to deposits | 61.7821% | 4,431 |
| Net loans and leases to core deposits | 61.7821% | 4,611 |
| Total domestic deposits to total assets | 84.2824% | 2,965 |
| Equity capital to assets | 15.2789% | 635 |
| Core capital (leverage) ratio | 15.1994% | 631 |
| Tier 1 risk-based capital ratio | 36.0495% | 304 |
| Total risk-based capital ratio | 36.7502% | 318 |
| Memoranda: | ||
| Average total assets | $69,060,330 | 4,695 |
| Average earning assets | $66,751,000 | 4,645 |
| Average equity | $10,454,000 | 4,315 |
| Average total loans | $34,750,330 | 4,790 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0021% | 5,371 |
| Cost of funding earning assets | 0.0899% | 5,481 |
| Net interest margin | 2.9122% | 5,009 |
| Noninterest income to average assets | 0.2723% | 4,348 |
| Noninterest expense to average assets | 2.3404% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5677% | 4,525 |
| Return on assets (ROA) | 0.5677% | 4,527 |
| Pretax return on assets | 0.7473% | 4,305 |
| Return on Equity (ROE) | 3.7680% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.7680% | 3,688 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7974% | 1,620 |
| Assets per employee ($millions) | 3.6272% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 5,197 |
| Loan loss allowance to noncurrent loans | 525.6410% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,811 |
| Noncurrent loans to loans | 0.1126% | 4,463 |
| Net loans and leases to total assets | 49.9478% | 4,562 |
| Net loans and leases to deposits | 59.1525% | 4,529 |
| Net loans and leases to core deposits | 59.1525% | 4,693 |
| Total domestic deposits to total assets | 84.4390% | 3,133 |
| Equity capital to assets | 15.1619% | 632 |
| Core capital (leverage) ratio | 15.1769% | 618 |
| Tier 1 risk-based capital ratio | 36.9831% | 281 |
| Total risk-based capital ratio | 37.7095% | 288 |
| Memoranda: | ||
| Average total assets | $69,049,500 | 4,752 |
| Average earning assets | $66,753,000 | 4,700 |
| Average equity | $10,403,500 | 4,367 |
| Average total loans | $34,037,000 | 4,864 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7374% | 5,480 |
| Cost of funding earning assets | 0.0808% | 5,549 |
| Net interest margin | 2.6566% | 5,310 |
| Noninterest income to average assets | 0.2820% | 4,440 |
| Noninterest expense to average assets | 2.2878% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4353% | 4,574 |
| Return on assets (ROA) | 0.4353% | 4,602 |
| Pretax return on assets | 0.5611% | 4,824 |
| Return on Equity (ROE) | 2.9447% | 4,841 |
| Retained earnings to average equity (ytd only) | 2.9447% | 3,542 |
| Net charge-offs to loans | 0.0441% | 2,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 27.7143% | 1,627 |
| Efficiency ratio | 80.3046% | 1,076 |
| Assets per employee ($millions) | 3.8435% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6129% | 5,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 48.0494% | 4,763 |
| Net loans and leases to deposits | 56.7793% | 4,755 |
| Net loans and leases to core deposits | 56.7793% | 4,897 |
| Total domestic deposits to total assets | 84.6248% | 2,987 |
| Equity capital to assets | 14.9719% | 684 |
| Core capital (leverage) ratio | 14.7202% | 676 |
| Tier 1 risk-based capital ratio | 38.0320% | 252 |
| Total risk-based capital ratio | 38.7861% | 255 |
| Memoranda: | ||
| Average total assets | $69,148,400 | 4,790 |
| Average earning assets | $66,814,800 | 4,729 |
| Average equity | $10,221,600 | 4,419 |
| Average total loans | $31,772,600 | 4,975 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7031% | 5,563 |
| Cost of funding earning assets | 0.0799% | 5,620 |
| Net interest margin | 2.6232% | 5,389 |
| Noninterest income to average assets | 0.2854% | 4,486 |
| Noninterest expense to average assets | 2.3295% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3799% | 5,040 |
| Return on assets (ROA) | 0.3799% | 5,067 |
| Pretax return on assets | 0.4898% | 5,048 |
| Return on Equity (ROE) | 2.5783% | 5,204 |
| Retained earnings to average equity (ytd only) | 2.5783% | 4,342 |
| Net charge-offs to loans | 0.0638% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.9330% | 2,142 |
| Efficiency ratio | 82.6265% | 865 |
| Assets per employee ($millions) | 3.8393% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 5,283 |
| Loan loss allowance to noncurrent loans | 251.8519% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,661 |
| Noncurrent loans to loans | 0.2482% | 4,065 |
| Net loans and leases to total assets | 46.9214% | 4,889 |
| Net loans and leases to deposits | 55.4347% | 4,896 |
| Net loans and leases to core deposits | 55.4347% | 5,021 |
| Total domestic deposits to total assets | 84.6427% | 2,864 |
| Equity capital to assets | 14.8856% | 752 |
| Core capital (leverage) ratio | 14.6761% | 728 |
| Tier 1 risk-based capital ratio | 37.4744% | 271 |
| Total risk-based capital ratio | 38.2213% | 279 |
| Memoranda: | ||
| Average total assets | $69,139,750 | 4,839 |
| Average earning assets | $66,786,000 | 4,776 |
| Average equity | $10,187,500 | 4,465 |
| Average total loans | $31,354,000 | 5,036 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6357% | 5,619 |
| Cost of funding earning assets | 0.0809% | 5,655 |
| Net interest margin | 2.5548% | 5,469 |
| Noninterest income to average assets | 0.2921% | 4,464 |
| Noninterest expense to average assets | 2.3398% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3268% | 5,157 |
| Return on assets (ROA) | 0.3268% | 5,178 |
| Pretax return on assets | 0.4194% | 5,146 |
| Return on Equity (ROE) | 2.2257% | 5,300 |
| Retained earnings to average equity (ytd only) | 2.2257% | 4,343 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8008% | 783 |
| Assets per employee ($millions) | 4.1084% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 5,245 |
| Loan loss allowance to noncurrent loans | 179.5082% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 4,490 |
| Noncurrent loans to loans | 0.3805% | 3,659 |
| Net loans and leases to total assets | 45.5986% | 4,965 |
| Net loans and leases to deposits | 53.6606% | 4,976 |
| Net loans and leases to core deposits | 53.6606% | 5,100 |
| Total domestic deposits to total assets | 84.9761% | 2,823 |
| Equity capital to assets | 14.6201% | 794 |
| Core capital (leverage) ratio | 14.4879% | 745 |
| Tier 1 risk-based capital ratio | 37.5614% | 251 |
| Total risk-based capital ratio | 38.3708% | 259 |
| Memoranda: | ||
| Average total assets | $69,150,670 | 4,876 |
| Average earning assets | $66,775,670 | 4,807 |
| Average equity | $10,154,330 | 4,484 |
| Average total loans | $30,928,670 | 5,083 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5886% | 5,688 |
| Cost of funding earning assets | 0.0843% | 5,704 |
| Net interest margin | 2.5043% | 5,543 |
| Noninterest income to average assets | 0.2790% | 4,555 |
| Noninterest expense to average assets | 2.3487% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2732% | 5,259 |
| Return on assets (ROA) | 0.2732% | 5,273 |
| Pretax return on assets | 0.3488% | 5,236 |
| Return on Equity (ROE) | 1.8566% | 5,360 |
| Retained earnings to average equity (ytd only) | 1.8566% | 4,380 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0690% | 728 |
| Assets per employee ($millions) | 4.3380% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 5,293 |
| Loan loss allowance to noncurrent loans | 167.1756% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 4,494 |
| Noncurrent loans to loans | 0.4223% | 3,581 |
| Net loans and leases to total assets | 44.3811% | 5,016 |
| Net loans and leases to deposits | 52.2234% | 5,025 |
| Net loans and leases to core deposits | 52.2234% | 5,133 |
| Total domestic deposits to total assets | 84.9830% | 3,098 |
| Equity capital to assets | 14.6222% | 726 |
| Core capital (leverage) ratio | 14.8206% | 642 |
| Tier 1 risk-based capital ratio | 37.6669% | 261 |
| Total risk-based capital ratio | 38.4839% | 264 |
| Memoranda: | ||
| Average total assets | $68,805,000 | 4,935 |
| Average earning assets | $66,446,000 | 4,870 |
| Average equity | $10,126,000 | 4,522 |
| Average total loans | $30,360,000 | 5,146 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6060% | 5,726 |
| Cost of funding earning assets | 0.0907% | 5,740 |
| Net interest margin | 2.5153% | 5,579 |
| Noninterest income to average assets | 0.2998% | 4,590 |
| Noninterest expense to average assets | 2.3516% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3284% | 5,150 |
| Return on assets (ROA) | 0.3284% | 5,222 |
| Pretax return on assets | 0.3706% | 5,264 |
| Return on Equity (ROE) | 2.1763% | 5,363 |
| Retained earnings to average equity (ytd only) | 2.1763% | 4,294 |
| Net charge-offs to loans | 0.0481% | 3,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 2,034 |
| Efficiency ratio | 86.3863% | 791 |
| Assets per employee ($millions) | 3.7890% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 5,279 |
| Loan loss allowance to noncurrent loans | 167.1756% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 4,554 |
| Noncurrent loans to loans | 0.4411% | 3,565 |
| Net loans and leases to total assets | 43.2216% | 5,161 |
| Net loans and leases to deposits | 50.9630% | 5,168 |
| Net loans and leases to core deposits | 50.9630% | 5,268 |
| Total domestic deposits to total assets | 84.8098% | 3,130 |
| Equity capital to assets | 14.8133% | 672 |
| Core capital (leverage) ratio | 14.6638% | 661 |
| Tier 1 risk-based capital ratio | 39.0625% | 237 |
| Total risk-based capital ratio | 39.9137% | 238 |
| Memoranda: | ||
| Average total assets | $66,381,000 | 5,005 |
| Average earning assets | $63,930,000 | 4,943 |
| Average equity | $10,016,800 | 4,569 |
| Average total loans | $29,083,400 | 5,223 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6332% | 5,787 |
| Cost of funding earning assets | 0.0904% | 5,808 |
| Net interest margin | 2.5428% | 5,632 |
| Noninterest income to average assets | 0.3034% | 4,598 |
| Noninterest expense to average assets | 2.4188% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3034% | 5,277 |
| Return on assets (ROA) | 0.3034% | 5,363 |
| Pretax return on assets | 0.3317% | 5,410 |
| Return on Equity (ROE) | 2.0010% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.0010% | 4,685 |
| Net charge-offs to loans | -0.0092% | 4,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9412% | 679 |
| Assets per employee ($millions) | 3.9358% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 5,180 |
| Loan loss allowance to noncurrent loans | 153.5948% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 4,529 |
| Noncurrent loans to loans | 0.5227% | 3,429 |
| Net loans and leases to total assets | 43.3969% | 5,231 |
| Net loans and leases to deposits | 51.3957% | 5,234 |
| Net loans and leases to core deposits | 51.3957% | 5,333 |
| Total domestic deposits to total assets | 84.4368% | 3,047 |
| Equity capital to assets | 15.0490% | 733 |
| Core capital (leverage) ratio | 14.9628% | 646 |
| Tier 1 risk-based capital ratio | 38.5242% | 253 |
| Total risk-based capital ratio | 39.4311% | 259 |
| Memoranda: | ||
| Average total assets | $65,925,750 | 5,054 |
| Average earning assets | $63,444,500 | 4,990 |
| Average equity | $9,995,250 | 4,620 |
| Average total loans | $28,930,000 | 5,279 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6539% | 5,857 |
| Cost of funding earning assets | 0.0919% | 5,887 |
| Net interest margin | 2.5619% | 5,699 |
| Noninterest income to average assets | 0.2896% | 4,713 |
| Noninterest expense to average assets | 2.4238% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2988% | 5,325 |
| Return on assets (ROA) | 0.2988% | 5,413 |
| Pretax return on assets | 0.3293% | 5,452 |
| Return on Equity (ROE) | 1.9658% | 5,516 |
| Retained earnings to average equity (ytd only) | 1.9658% | 4,581 |
| Net charge-offs to loans | -0.0139% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0399% | 721 |
| Assets per employee ($millions) | 4.1449% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 5,257 |
| Loan loss allowance to noncurrent loans | 470.0000% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 5,235 |
| Noncurrent loans to loans | 0.1722% | 4,744 |
| Net loans and leases to total assets | 43.4241% | 5,262 |
| Net loans and leases to deposits | 51.5188% | 5,270 |
| Net loans and leases to core deposits | 51.5188% | 5,379 |
| Total domestic deposits to total assets | 84.2878% | 3,161 |
| Equity capital to assets | 15.1558% | 704 |
| Core capital (leverage) ratio | 14.9673% | 618 |
| Tier 1 risk-based capital ratio | 38.2974% | 256 |
| Total risk-based capital ratio | 39.2026% | 264 |
| Memoranda: | ||
| Average total assets | $65,598,330 | 5,112 |
| Average earning assets | $63,078,000 | 5,048 |
| Average equity | $9,970,670 | 4,651 |
| Average total loans | $28,816,330 | 5,341 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6904% | 5,911 |
| Cost of funding earning assets | 0.0956% | 5,930 |
| Net interest margin | 2.5947% | 5,726 |
| Noninterest income to average assets | 0.2943% | 4,618 |
| Noninterest expense to average assets | 2.4832% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2820% | 5,352 |
| Return on assets (ROA) | 0.2820% | 5,430 |
| Pretax return on assets | 0.3066% | 5,497 |
| Return on Equity (ROE) | 1.8529% | 5,531 |
| Retained earnings to average equity (ytd only) | 1.8529% | 4,520 |
| Net charge-offs to loans | -0.0139% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0110% | 747 |
| Assets per employee ($millions) | 3.8645% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 5,333 |
| Loan loss allowance to noncurrent loans | 2,127.2727% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 5,588 |
| Noncurrent loans to loans | 0.0382% | 5,342 |
| Net loans and leases to total assets | 43.5149% | 5,274 |
| Net loans and leases to deposits | 51.6038% | 5,246 |
| Net loans and leases to core deposits | 51.6038% | 5,369 |
| Total domestic deposits to total assets | 84.3250% | 3,384 |
| Equity capital to assets | 15.2016% | 650 |
| Core capital (leverage) ratio | 15.1555% | 580 |
| Tier 1 risk-based capital ratio | 37.9757% | 266 |
| Total risk-based capital ratio | 38.8742% | 274 |
| Memoranda: | ||
| Average total assets | $65,238,500 | 5,173 |
| Average earning assets | $62,742,500 | 5,102 |
| Average equity | $9,930,500 | 4,669 |
| Average total loans | $28,708,000 | 5,388 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5683% | 5,975 |
| Cost of funding earning assets | 0.0996% | 5,964 |
| Net interest margin | 2.4686% | 5,848 |
| Noninterest income to average assets | 0.3001% | 4,736 |
| Noninterest expense to average assets | 2.4938% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1547% | 5,667 |
| Return on assets (ROA) | 0.1547% | 5,714 |
| Pretax return on assets | 0.1825% | 5,706 |
| Return on Equity (ROE) | 1.0157% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.0157% | 5,110 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1792% | 519 |
| Assets per employee ($millions) | 3.5989% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 5,372 |
| Loan loss allowance to noncurrent loans | 665.7143% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 5,451 |
| Noncurrent loans to loans | 0.1224% | 5,002 |
| Net loans and leases to total assets | 43.7805% | 5,288 |
| Net loans and leases to deposits | 51.8805% | 5,291 |
| Net loans and leases to core deposits | 51.8805% | 5,414 |
| Total domestic deposits to total assets | 84.3872% | 3,337 |
| Equity capital to assets | 15.2424% | 634 |
| Core capital (leverage) ratio | 14.7480% | 664 |
| Tier 1 risk-based capital ratio | 36.6903% | 289 |
| Total risk-based capital ratio | 37.5587% | 294 |
| Memoranda: | ||
| Average total assets | $64,640,200 | 5,208 |
| Average earning assets | $62,221,200 | 5,123 |
| Average equity | $9,845,200 | 4,680 |
| Average total loans | $27,066,200 | 5,478 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5431% | 6,071 |
| Cost of funding earning assets | 0.1008% | 6,056 |
| Net interest margin | 2.4424% | 5,947 |
| Noninterest income to average assets | 0.3013% | 4,778 |
| Noninterest expense to average assets | 2.5281% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1053% | 5,842 |
| Return on assets (ROA) | 0.1053% | 5,879 |
| Pretax return on assets | 0.1238% | 5,872 |
| Return on Equity (ROE) | 0.6912% | 5,902 |
| Retained earnings to average equity (ytd only) | 0.6912% | 5,415 |
| Net charge-offs to loans | -0.0050% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3307% | 438 |
| Assets per employee ($millions) | 3.6319% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 5,349 |
| Loan loss allowance to noncurrent loans | 401.7241% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 5,391 |
| Noncurrent loans to loans | 0.2130% | 4,802 |
| Net loans and leases to total assets | 41.2864% | 5,526 |
| Net loans and leases to deposits | 48.9091% | 5,519 |
| Net loans and leases to core deposits | 48.9091% | 5,614 |
| Total domestic deposits to total assets | 84.4145% | 3,254 |
| Equity capital to assets | 15.1312% | 709 |
| Core capital (leverage) ratio | 14.6786% | 701 |
| Tier 1 risk-based capital ratio | 37.7340% | 286 |
| Total risk-based capital ratio | 38.6316% | 293 |
| Memoranda: | ||
| Average total assets | $64,605,250 | 5,276 |
| Average earning assets | $62,178,500 | 5,189 |
| Average equity | $9,838,000 | 4,743 |
| Average total loans | $26,684,250 | 5,556 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5297% | 6,151 |
| Cost of funding earning assets | 0.1002% | 6,134 |
| Net interest margin | 2.4296% | 6,025 |
| Noninterest income to average assets | 0.2953% | 4,846 |
| Noninterest expense to average assets | 2.5393% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0808% | 5,901 |
| Return on assets (ROA) | 0.0808% | 5,945 |
| Pretax return on assets | 0.0932% | 5,935 |
| Return on Equity (ROE) | 0.5295% | 5,959 |
| Retained earnings to average equity (ytd only) | 0.5295% | 5,342 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4581% | 423 |
| Assets per employee ($millions) | 3.6459% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 5,433 |
| Loan loss allowance to noncurrent loans | 627.0270% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 5,639 |
| Noncurrent loans to loans | 0.1373% | 5,195 |
| Net loans and leases to total assets | 40.7149% | 5,590 |
| Net loans and leases to deposits | 48.1190% | 5,591 |
| Net loans and leases to core deposits | 48.1190% | 5,685 |
| Total domestic deposits to total assets | 84.6130% | 3,291 |
| Equity capital to assets | 14.9694% | 713 |
| Core capital (leverage) ratio | 14.7740% | 660 |
| Tier 1 risk-based capital ratio | 36.0321% | 336 |
| Total risk-based capital ratio | 36.8867% | 346 |
| Memoranda: | ||
| Average total assets | $64,348,670 | 5,335 |
| Average earning assets | $61,903,670 | 5,256 |
| Average equity | $9,820,000 | 4,781 |
| Average total loans | $26,504,330 | 5,610 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5204% | 6,217 |
| Cost of funding earning assets | 0.0979% | 6,215 |
| Net interest margin | 2.4224% | 6,083 |
| Noninterest income to average assets | 0.2888% | 4,860 |
| Noninterest expense to average assets | 2.6872% | 3,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0565% | 6,063 |
| Return on assets (ROA) | -0.0565% | 6,099 |
| Pretax return on assets | -0.0691% | 6,096 |
| Return on Equity (ROE) | -0.3667% | 6,088 |
| Retained earnings to average equity (ytd only) | -0.3667% | 5,447 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6379% | 299 |
| Assets per employee ($millions) | 3.8002% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 5,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 40.3350% | 5,580 |
| Net loans and leases to deposits | 47.8128% | 5,575 |
| Net loans and leases to core deposits | 47.8128% | 5,677 |
| Total domestic deposits to total assets | 84.3601% | 3,671 |
| Equity capital to assets | 15.2282% | 673 |
| Core capital (leverage) ratio | 15.1119% | 592 |
| Tier 1 risk-based capital ratio | 36.4442% | 326 |
| Total risk-based capital ratio | 37.3116% | 330 |
| Memoranda: | ||
| Average total assets | $63,709,500 | 5,405 |
| Average earning assets | $61,261,000 | 5,320 |
| Average equity | $9,818,000 | 4,824 |
| Average total loans | $26,280,500 | 5,665 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5631% | 6,309 |
| Cost of funding earning assets | 0.1124% | 6,290 |
| Net interest margin | 2.4507% | 6,192 |
| Noninterest income to average assets | 0.3292% | 4,760 |
| Noninterest expense to average assets | 2.4830% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1395% | 5,896 |
| Return on assets (ROA) | 0.1395% | 5,943 |
| Pretax return on assets | 0.2038% | 5,867 |
| Return on Equity (ROE) | 0.9717% | 5,970 |
| Retained earnings to average equity (ytd only) | 0.9717% | 5,342 |
| Net charge-offs to loans | 0.0036% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 412 |
| Efficiency ratio | 92.4154% | 682 |
| Assets per employee ($millions) | 3.4897% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 5,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 41.4535% | 5,660 |
| Net loans and leases to deposits | 49.3172% | 5,616 |
| Net loans and leases to core deposits | 49.3172% | 5,744 |
| Total domestic deposits to total assets | 84.0548% | 3,696 |
| Equity capital to assets | 15.5982% | 588 |
| Core capital (leverage) ratio | 15.5313% | 526 |
| Tier 1 risk-based capital ratio | 41.4620% | 217 |
| Total risk-based capital ratio | 42.4479% | 217 |
| Memoranda: | ||
| Average total assets | $63,792,600 | 5,454 |
| Average earning assets | $61,370,800 | 5,361 |
| Average equity | $9,159,000 | 4,934 |
| Average total loans | $27,616,400 | 5,667 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5644% | 6,388 |
| Cost of funding earning assets | 0.1147% | 6,358 |
| Net interest margin | 2.4497% | 6,264 |
| Noninterest income to average assets | 0.3331% | 4,774 |
| Noninterest expense to average assets | 2.5235% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1083% | 6,017 |
| Return on assets (ROA) | 0.1083% | 6,044 |
| Pretax return on assets | 0.1666% | 5,990 |
| Return on Equity (ROE) | 0.7704% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.7704% | 5,570 |
| Net charge-offs to loans | -0.0048% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8080% | 607 |
| Assets per employee ($millions) | 3.4943% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 5,673 |
| Loan loss allowance to noncurrent loans | 171.3235% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 5,349 |
| Noncurrent loans to loans | 0.5108% | 4,397 |
| Net loans and leases to total assets | 41.9584% | 5,676 |
| Net loans and leases to deposits | 49.7784% | 5,666 |
| Net loans and leases to core deposits | 49.7784% | 5,803 |
| Total domestic deposits to total assets | 84.2904% | 3,643 |
| Equity capital to assets | 15.3979% | 656 |
| Core capital (leverage) ratio | 15.4504% | 549 |
| Tier 1 risk-based capital ratio | 41.0215% | 225 |
| Total risk-based capital ratio | 42.0051% | 225 |
| Memoranda: | ||
| Average total assets | $64,037,000 | 5,510 |
| Average earning assets | $61,611,000 | 5,418 |
| Average equity | $8,999,250 | 5,010 |
| Average total loans | $27,952,750 | 5,703 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5689% | 6,453 |
| Cost of funding earning assets | 0.1162% | 6,428 |
| Net interest margin | 2.4527% | 6,318 |
| Noninterest income to average assets | 0.3260% | 4,803 |
| Noninterest expense to average assets | 2.4900% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1242% | 5,998 |
| Return on assets (ROA) | 0.1242% | 6,040 |
| Pretax return on assets | 0.1956% | 5,954 |
| Return on Equity (ROE) | 0.9121% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.9121% | 5,388 |
| Net charge-offs to loans | -0.0070% | 5,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7168% | 720 |
| Assets per employee ($millions) | 3.5752% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 5,885 |
| Loan loss allowance to noncurrent loans | 134.6821% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 5,287 |
| Noncurrent loans to loans | 0.6246% | 4,151 |
| Net loans and leases to total assets | 42.6780% | 5,632 |
| Net loans and leases to deposits | 50.4482% | 5,607 |
| Net loans and leases to core deposits | 50.4482% | 5,769 |
| Total domestic deposits to total assets | 84.5977% | 3,688 |
| Equity capital to assets | 15.0604% | 687 |
| Core capital (leverage) ratio | 15.0947% | 594 |
| Tier 1 risk-based capital ratio | 39.9425% | 243 |
| Total risk-based capital ratio | 40.9001% | 247 |
| Memoranda: | ||
| Average total assets | $64,416,670 | 5,545 |
| Average earning assets | $61,972,330 | 5,456 |
| Average equity | $8,770,670 | 5,091 |
| Average total loans | $28,395,670 | 5,726 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5922% | 6,522 |
| Cost of funding earning assets | 0.1161% | 6,510 |
| Net interest margin | 2.4762% | 6,348 |
| Noninterest income to average assets | 0.3103% | 4,880 |
| Noninterest expense to average assets | 2.5757% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0559% | 6,114 |
| Return on assets (ROA) | 0.0559% | 6,136 |
| Pretax return on assets | 0.1179% | 6,045 |
| Return on Equity (ROE) | 0.4332% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.4332% | 5,406 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6221% | 663 |
| Assets per employee ($millions) | 3.6633% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 6,067 |
| Loan loss allowance to noncurrent loans | 168.1159% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 5,588 |
| Noncurrent loans to loans | 0.4844% | 4,706 |
| Net loans and leases to total assets | 42.8526% | 5,600 |
| Net loans and leases to deposits | 50.2937% | 5,578 |
| Net loans and leases to core deposits | 50.2937% | 5,739 |
| Total domestic deposits to total assets | 85.2047% | 3,777 |
| Equity capital to assets | 14.5648% | 768 |
| Core capital (leverage) ratio | 14.6722% | 657 |
| Tier 1 risk-based capital ratio | 37.9258% | 276 |
| Total risk-based capital ratio | 38.8341% | 273 |
| Memoranda: | ||
| Average total assets | $64,448,000 | 5,614 |
| Average earning assets | $62,031,500 | 5,503 |
| Average equity | $8,310,000 | 5,214 |
| Average total loans | $28,744,500 | 5,762 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7088% | 6,542 |
| Cost of funding earning assets | 0.1526% | 6,529 |
| Net interest margin | 2.5562% | 6,321 |
| Noninterest income to average assets | 0.3074% | 5,135 |
| Noninterest expense to average assets | 2.4294% | 4,993 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2309% | 5,743 |
| Return on assets (ROA) | 0.2309% | 5,809 |
| Pretax return on assets | 0.3355% | 5,635 |
| Return on Equity (ROE) | 2.0829% | 5,814 |
| Retained earnings to average equity (ytd only) | 2.0829% | 4,755 |
| Net charge-offs to loans | 0.0203% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 35.8333% | 1,041 |
| Efficiency ratio | 87.8668% | 1,231 |
| Assets per employee ($millions) | 3.4976% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8000% | 6,179 |
| Loan loss allowance to noncurrent loans | 165.7143% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 5,616 |
| Noncurrent loans to loans | 0.4828% | 4,788 |
| Net loans and leases to total assets | 45.6954% | 5,519 |
| Net loans and leases to deposits | 51.5629% | 5,658 |
| Net loans and leases to core deposits | 51.5629% | 5,828 |
| Total domestic deposits to total assets | 88.6206% | 1,847 |
| Equity capital to assets | 11.1443% | 2,483 |
| Core capital (leverage) ratio | 11.4016% | 2,033 |
| Tier 1 risk-based capital ratio | 29.7053% | 513 |
| Total risk-based capital ratio | 30.6655% | 521 |
| Memoranda: | ||
| Average total assets | $64,091,200 | 5,648 |
| Average earning assets | $61,614,800 | 5,548 |
| Average equity | $7,105,600 | 5,544 |
| Average total loans | $29,629,600 | 5,777 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7174% | 6,617 |
| Cost of funding earning assets | 0.1595% | 6,598 |
| Net interest margin | 2.5579% | 6,367 |
| Noninterest income to average assets | 0.2983% | 5,310 |
| Noninterest expense to average assets | 2.4585% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2050% | 5,901 |
| Return on assets (ROA) | 0.2050% | 5,986 |
| Pretax return on assets | 0.2983% | 5,880 |
| Return on Equity (ROE) | 1.8519% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.8519% | 5,209 |
| Net charge-offs to loans | 0.0269% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,442 |
| Efficiency ratio | 89.1811% | 1,068 |
| Assets per employee ($millions) | 3.5021% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 6,286 |
| Loan loss allowance to noncurrent loans | 227.4510% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 5,952 |
| Noncurrent loans to loans | 0.3519% | 5,328 |
| Net loans and leases to total assets | 45.6185% | 5,583 |
| Net loans and leases to deposits | 51.5331% | 5,745 |
| Net loans and leases to core deposits | 51.5331% | 5,917 |
| Total domestic deposits to total assets | 88.5228% | 1,828 |
| Equity capital to assets | 11.1568% | 2,614 |
| Core capital (leverage) ratio | 11.3106% | 2,189 |
| Tier 1 risk-based capital ratio | 29.9567% | 519 |
| Total risk-based capital ratio | 30.9315% | 526 |
| Memoranda: | ||
| Average total assets | $64,375,000 | 5,702 |
| Average earning assets | $61,871,750 | 5,598 |
| Average equity | $7,128,000 | 5,603 |
| Average total loans | $29,787,000 | 5,830 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7217% | 6,657 |
| Cost of funding earning assets | 0.1637% | 6,654 |
| Net interest margin | 2.5580% | 6,376 |
| Noninterest income to average assets | 0.2715% | 5,513 |
| Noninterest expense to average assets | 2.4005% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2252% | 5,828 |
| Return on assets (ROA) | 0.2252% | 5,955 |
| Pretax return on assets | 0.3301% | 5,797 |
| Return on Equity (ROE) | 2.0392% | 5,945 |
| Retained earnings to average equity (ytd only) | 2.0392% | 4,980 |
| Net charge-offs to loans | 0.0399% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,584 |
| Efficiency ratio | 87.9096% | 1,230 |
| Assets per employee ($millions) | 3.5515% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 6,379 |
| Loan loss allowance to noncurrent loans | 225.2427% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 6,009 |
| Noncurrent loans to loans | 0.3493% | 5,416 |
| Net loans and leases to total assets | 45.7600% | 5,558 |
| Net loans and leases to deposits | 51.6573% | 5,714 |
| Net loans and leases to core deposits | 51.6573% | 5,916 |
| Total domestic deposits to total assets | 88.5839% | 1,864 |
| Equity capital to assets | 11.0564% | 2,701 |
| Core capital (leverage) ratio | 11.1299% | 2,225 |
| Tier 1 risk-based capital ratio | 29.2317% | 559 |
| Total risk-based capital ratio | 30.1849% | 564 |
| Memoranda: | ||
| Average total assets | $64,820,670 | 5,728 |
| Average earning assets | $62,313,670 | 5,615 |
| Average equity | $7,159,670 | 5,642 |
| Average total loans | $30,053,000 | 5,842 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7073% | 6,728 |
| Cost of funding earning assets | 0.1720% | 6,713 |
| Net interest margin | 2.5353% | 6,462 |
| Noninterest income to average assets | 0.2697% | 5,525 |
| Noninterest expense to average assets | 2.4760% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1532% | 6,032 |
| Return on assets (ROA) | 0.1532% | 6,130 |
| Pretax return on assets | 0.2329% | 6,014 |
| Return on Equity (ROE) | 1.3878% | 6,120 |
| Retained earnings to average equity (ytd only) | 1.3878% | 5,284 |
| Net charge-offs to loans | 0.0791% | 3,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,236 |
| Efficiency ratio | 91.4027% | 1,032 |
| Assets per employee ($millions) | 3.6866% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 6,495 |
| Loan loss allowance to noncurrent loans | 223.0769% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,959 |
| Noncurrent loans to loans | 0.3477% | 5,529 |
| Net loans and leases to total assets | 44.7271% | 5,587 |
| Net loans and leases to deposits | 50.4110% | 5,758 |
| Net loans and leases to core deposits | 50.4110% | 5,945 |
| Total domestic deposits to total assets | 88.7248% | 1,855 |
| Equity capital to assets | 10.8759% | 3,104 |
| Core capital (leverage) ratio | 10.6498% | 2,595 |
| Tier 1 risk-based capital ratio | 28.5697% | 605 |
| Total risk-based capital ratio | 29.5076% | 617 |
| Memoranda: | ||
| Average total assets | $65,267,500 | 5,764 |
| Average earning assets | $62,794,000 | 5,650 |
| Average equity | $7,205,500 | 5,688 |
| Average total loans | $30,337,000 | 5,877 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0960% | 6,729 |
| Cost of funding earning assets | 0.2777% | 6,558 |
| Net interest margin | 2.8183% | 6,365 |
| Noninterest income to average assets | 0.2873% | 5,414 |
| Noninterest expense to average assets | 2.5757% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2952% | 5,487 |
| Return on assets (ROA) | 0.2952% | 5,693 |
| Pretax return on assets | 0.4165% | 5,530 |
| Return on Equity (ROE) | 2.5985% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.5985% | 4,402 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0800% | 1,423 |
| Assets per employee ($millions) | 3.5654% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 6,533 |
| Loan loss allowance to noncurrent loans | 171.2230% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 6,018 |
| Noncurrent loans to loans | 0.4519% | 5,375 |
| Net loans and leases to total assets | 47.5622% | 5,456 |
| Net loans and leases to deposits | 53.8295% | 5,669 |
| Net loans and leases to core deposits | 53.8295% | 5,887 |
| Total domestic deposits to total assets | 88.3572% | 1,992 |
| Equity capital to assets | 11.2096% | 2,725 |
| Core capital (leverage) ratio | 10.9728% | 2,281 |
| Tier 1 risk-based capital ratio | 28.6610% | 584 |
| Total risk-based capital ratio | 29.6296% | 585 |
| Memoranda: | ||
| Average total assets | $62,661,800 | 5,858 |
| Average earning assets | $60,143,000 | 5,739 |
| Average equity | $7,119,400 | 5,728 |
| Average total loans | $30,865,600 | 5,902 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1495% | 6,826 |
| Cost of funding earning assets | 0.2991% | 6,620 |
| Net interest margin | 2.8504% | 6,434 |
| Noninterest income to average assets | 0.2826% | 5,519 |
| Noninterest expense to average assets | 2.6481% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2590% | 5,756 |
| Return on assets (ROA) | 0.2590% | 5,948 |
| Pretax return on assets | 0.3682% | 5,792 |
| Return on Equity (ROE) | 2.2720% | 5,954 |
| Retained earnings to average equity (ytd only) | 2.2720% | 5,199 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7928% | 1,215 |
| Assets per employee ($millions) | 3.5215% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 6,647 |
| Loan loss allowance to noncurrent loans | 91.8919% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 5,668 |
| Noncurrent loans to loans | 0.8452% | 4,721 |
| Net loans and leases to total assets | 47.9657% | 5,552 |
| Net loans and leases to deposits | 54.3715% | 5,772 |
| Net loans and leases to core deposits | 54.3715% | 6,020 |
| Total domestic deposits to total assets | 88.2184% | 1,899 |
| Equity capital to assets | 11.2910% | 2,948 |
| Core capital (leverage) ratio | 11.0086% | 2,374 |
| Tier 1 risk-based capital ratio | 28.8598% | 594 |
| Total risk-based capital ratio | 29.8441% | 600 |
| Memoranda: | ||
| Average total assets | $62,283,000 | 5,935 |
| Average earning assets | $59,733,000 | 5,815 |
| Average equity | $7,100,750 | 5,797 |
| Average total loans | $30,891,500 | 5,981 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2355% | 6,854 |
| Cost of funding earning assets | 0.3202% | 6,648 |
| Net interest margin | 2.9153% | 6,405 |
| Noninterest income to average assets | 0.2746% | 5,615 |
| Noninterest expense to average assets | 2.6326% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2972% | 5,630 |
| Return on assets (ROA) | 0.2972% | 5,834 |
| Pretax return on assets | 0.4361% | 5,615 |
| Return on Equity (ROE) | 2.5981% | 5,844 |
| Retained earnings to average equity (ytd only) | 2.5981% | 4,888 |
| Net charge-offs to loans | -0.0129% | 6,333 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7895% | 1,455 |
| Assets per employee ($millions) | 3.4813% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 6,722 |
| Loan loss allowance to noncurrent loans | 91.8919% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 5,748 |
| Noncurrent loans to loans | 0.8446% | 4,826 |
| Net loans and leases to total assets | 48.5598% | 5,556 |
| Net loans and leases to deposits | 55.0881% | 5,759 |
| Net loans and leases to core deposits | 55.0881% | 6,019 |
| Total domestic deposits to total assets | 88.1493% | 2,038 |
| Equity capital to assets | 11.3703% | 2,717 |
| Core capital (leverage) ratio | 11.1102% | 2,195 |
| Tier 1 risk-based capital ratio | 29.0168% | 570 |
| Total risk-based capital ratio | 30.0088% | 572 |
| Memoranda: | ||
| Average total assets | $61,915,000 | 5,982 |
| Average earning assets | $59,341,670 | 5,864 |
| Average equity | $7,082,000 | 5,826 |
| Average total loans | $30,974,670 | 6,015 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3173% | 6,887 |
| Cost of funding earning assets | 0.3392% | 6,684 |
| Net interest margin | 2.9781% | 6,343 |
| Noninterest income to average assets | 0.2665% | 5,742 |
| Noninterest expense to average assets | 2.7429% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2210% | 5,918 |
| Return on assets (ROA) | 0.2210% | 6,062 |
| Pretax return on assets | 0.3770% | 5,791 |
| Return on Equity (ROE) | 1.9262% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.9262% | 5,290 |
| Net charge-offs to loans | -0.0257% | 6,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9167% | 1,292 |
| Assets per employee ($millions) | 3.4826% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 6,798 |
| Loan loss allowance to noncurrent loans | 75.3165% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 5,604 |
| Noncurrent loans to loans | 1.0168% | 4,643 |
| Net loans and leases to total assets | 49.1952% | 5,406 |
| Net loans and leases to deposits | 55.7556% | 5,632 |
| Net loans and leases to core deposits | 55.7556% | 5,926 |
| Total domestic deposits to total assets | 88.2336% | 2,169 |
| Equity capital to assets | 11.2655% | 2,665 |
| Core capital (leverage) ratio | 11.0119% | 2,249 |
| Tier 1 risk-based capital ratio | 28.5107% | 602 |
| Total risk-based capital ratio | 29.4936% | 612 |
| Memoranda: | ||
| Average total assets | $61,541,000 | 6,021 |
| Average earning assets | $58,964,000 | 5,908 |
| Average equity | $7,060,500 | 5,852 |
| Average total loans | $31,128,500 | 6,057 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 6,970 |
| Cost of funding earning assets | 0.4874% | 6,584 |
| Net interest margin | 3.0548% | 6,437 |
| Noninterest income to average assets | 0.2799% | 5,526 |
| Noninterest expense to average assets | 2.7729% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2686% | 5,376 |
| Return on assets (ROA) | 0.2686% | 5,524 |
| Pretax return on assets | 0.3462% | 5,435 |
| Return on Equity (ROE) | 2.0315% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.0315% | 4,767 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9004% | 1,281 |
| Assets per employee ($millions) | 3.3553% | 5,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7601% | 6,821 |
| Loan loss allowance to noncurrent loans | 64.4022% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 5,438 |
| Noncurrent loans to loans | 1.1802% | 4,398 |
| Net loans and leases to total assets | 51.2344% | 5,435 |
| Net loans and leases to deposits | 58.2610% | 5,674 |
| Net loans and leases to core deposits | 58.2610% | 5,985 |
| Total domestic deposits to total assets | 87.9394% | 2,201 |
| Equity capital to assets | 11.6881% | 2,348 |
| Core capital (leverage) ratio | 11.4217% | 1,950 |
| Tier 1 risk-based capital ratio | 28.9477% | 569 |
| Total risk-based capital ratio | 29.9465% | 566 |
| Memoranda: | ||
| Average total assets | $61,811,800 | 5,986 |
| Average earning assets | $57,451,200 | 5,943 |
| Average equity | $8,171,400 | 5,521 |
| Average total loans | $31,720,600 | 6,088 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 7,030 |
| Cost of funding earning assets | 0.5206% | 6,619 |
| Net interest margin | 3.0702% | 6,449 |
| Noninterest income to average assets | 0.2767% | 5,638 |
| Noninterest expense to average assets | 2.8246% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2037% | 5,697 |
| Return on assets (ROA) | 0.2037% | 5,823 |
| Pretax return on assets | 0.2853% | 5,735 |
| Return on Equity (ROE) | 1.4990% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.4990% | 5,385 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8276% | 1,120 |
| Assets per employee ($millions) | 3.5736% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 6,896 |
| Loan loss allowance to noncurrent loans | 289.0244% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 6,703 |
| Noncurrent loans to loans | 0.2593% | 6,356 |
| Net loans and leases to total assets | 51.6601% | 5,486 |
| Net loans and leases to deposits | 58.6387% | 5,786 |
| Net loans and leases to core deposits | 58.6387% | 6,079 |
| Total domestic deposits to total assets | 88.0990% | 1,988 |
| Equity capital to assets | 11.4994% | 2,682 |
| Core capital (leverage) ratio | 11.2380% | 2,201 |
| Tier 1 risk-based capital ratio | 28.4978% | 620 |
| Total risk-based capital ratio | 29.4912% | 625 |
| Memoranda: | ||
| Average total assets | $62,166,000 | 6,028 |
| Average earning assets | $57,366,750 | 5,996 |
| Average equity | $8,449,500 | 5,450 |
| Average total loans | $31,855,750 | 6,143 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 7,158 |
| Cost of funding earning assets | 0.5312% | 6,740 |
| Net interest margin | 2.9664% | 6,668 |
| Noninterest income to average assets | 0.2746% | 5,683 |
| Noninterest expense to average assets | 2.7779% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2331% | 5,623 |
| Return on assets (ROA) | 0.2331% | 5,740 |
| Pretax return on assets | 0.3321% | 5,594 |
| Return on Equity (ROE) | 1.6336% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.6336% | 5,178 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3224% | 1,296 |
| Assets per employee ($millions) | 3.3485% | 5,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 6,952 |
| Loan loss allowance to noncurrent loans | 538.6364% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 6,926 |
| Noncurrent loans to loans | 0.1392% | 6,627 |
| Net loans and leases to total assets | 49.3006% | 5,913 |
| Net loans and leases to deposits | 57.7334% | 5,966 |
| Net loans and leases to core deposits | 57.7334% | 6,289 |
| Total domestic deposits to total assets | 85.3934% | 3,679 |
| Equity capital to assets | 14.1083% | 1,064 |
| Core capital (leverage) ratio | 13.8705% | 904 |
| Tier 1 risk-based capital ratio | 36.1654% | 318 |
| Total risk-based capital ratio | 37.1405% | 319 |
| Memoranda: | ||
| Average total assets | $62,637,670 | 6,066 |
| Average earning assets | $59,869,670 | 5,963 |
| Average equity | $8,937,330 | 5,343 |
| Average total loans | $31,934,000 | 6,203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 7,157 |
| Cost of funding earning assets | 0.5521% | 6,796 |
| Net interest margin | 3.0229% | 6,524 |
| Noninterest income to average assets | 0.2639% | 5,783 |
| Noninterest expense to average assets | 2.7484% | 4,650 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2832% | 5,490 |
| Return on assets (ROA) | 0.2832% | 5,555 |
| Pretax return on assets | 0.4055% | 5,324 |
| Return on Equity (ROE) | 1.9735% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.9735% | 4,944 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1429% | 1,600 |
| Assets per employee ($millions) | 3.4584% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7490% | 7,005 |
| Loan loss allowance to noncurrent loans | 376.1905% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 6,904 |
| Noncurrent loans to loans | 0.1991% | 6,576 |
| Net loans and leases to total assets | 50.4514% | 5,790 |
| Net loans and leases to deposits | 59.2015% | 5,802 |
| Net loans and leases to core deposits | 59.2015% | 6,168 |
| Total domestic deposits to total assets | 85.2198% | 3,938 |
| Equity capital to assets | 14.3513% | 919 |
| Core capital (leverage) ratio | 14.1247% | 827 |
| Tier 1 risk-based capital ratio | 34.5535% | 360 |
| Total risk-based capital ratio | 35.4883% | 358 |
| Memoranda: | ||
| Average total assets | $62,145,500 | 6,117 |
| Average earning assets | $59,413,000 | 6,017 |
| Average equity | $8,918,000 | 5,355 |
| Average total loans | $32,099,500 | 6,237 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 7,183 |
| Cost of funding earning assets | 0.6940% | 6,905 |
| Net interest margin | 3.2305% | 6,191 |
| Noninterest income to average assets | 0.2929% | 5,685 |
| Noninterest expense to average assets | 2.8086% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3824% | 4,627 |
| Return on assets (ROA) | 0.3824% | 4,771 |
| Pretax return on assets | 0.5598% | 4,450 |
| Return on Equity (ROE) | 2.6664% | 5,102 |
| Retained earnings to average equity (ytd only) | 2.6664% | 3,994 |
| Net charge-offs to loans | 0.0326% | 6,477 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 31.2727% | 707 |
| Efficiency ratio | 83.3816% | 2,001 |
| Assets per employee ($millions) | 3.4466% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 7,101 |
| Loan loss allowance to noncurrent loans | 4,720.0000% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 7,237 |
| Noncurrent loans to loans | 0.0154% | 7,114 |
| Net loans and leases to total assets | 52.0947% | 5,894 |
| Net loans and leases to deposits | 61.1697% | 5,936 |
| Net loans and leases to core deposits | 61.1697% | 6,305 |
| Total domestic deposits to total assets | 85.1642% | 3,772 |
| Equity capital to assets | 14.3490% | 943 |
| Core capital (leverage) ratio | 14.1362% | 821 |
| Tier 1 risk-based capital ratio | 36.0104% | 321 |
| Total risk-based capital ratio | 36.9829% | 321 |
| Memoranda: | ||
| Average total assets | $61,454,400 | 6,150 |
| Average earning assets | $58,504,600 | 6,044 |
| Average equity | $8,813,400 | 5,471 |
| Average total loans | $33,748,600 | 6,220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 7,282 |
| Cost of funding earning assets | 0.7159% | 7,024 |
| Net interest margin | 3.2776% | 6,089 |
| Noninterest income to average assets | 0.2805% | 5,865 |
| Noninterest expense to average assets | 2.8815% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3523% | 4,955 |
| Return on assets (ROA) | 0.3523% | 5,131 |
| Pretax return on assets | 0.5154% | 4,874 |
| Return on Equity (ROE) | 2.4569% | 5,445 |
| Retained earnings to average equity (ytd only) | 2.4569% | 4,701 |
| Net charge-offs to loans | 0.0431% | 6,108 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 21.5399% | 1,129 |
| Efficiency ratio | 84.8271% | 1,746 |
| Assets per employee ($millions) | 3.3017% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 7,198 |
| Loan loss allowance to noncurrent loans | 363.0769% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 6,977 |
| Noncurrent loans to loans | 0.1927% | 6,797 |
| Net loans and leases to total assets | 53.3866% | 5,934 |
| Net loans and leases to deposits | 62.6609% | 6,057 |
| Net loans and leases to core deposits | 62.6609% | 6,401 |
| Total domestic deposits to total assets | 85.1992% | 3,515 |
| Equity capital to assets | 14.1441% | 1,124 |
| Core capital (leverage) ratio | 13.8754% | 944 |
| Tier 1 risk-based capital ratio | 34.9873% | 352 |
| Total risk-based capital ratio | 35.9401% | 350 |
| Memoranda: | ||
| Average total assets | $61,308,250 | 6,218 |
| Average earning assets | $58,293,000 | 6,117 |
| Average equity | $8,791,250 | 5,554 |
| Average total loans | $34,047,000 | 6,287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 7,314 |
| Cost of funding earning assets | 0.7232% | 7,135 |
| Net interest margin | 3.3324% | 5,892 |
| Noninterest income to average assets | 0.2795% | 5,914 |
| Noninterest expense to average assets | 2.8734% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3912% | 4,790 |
| Return on assets (ROA) | 0.3912% | 4,949 |
| Pretax return on assets | 0.5721% | 4,660 |
| Return on Equity (ROE) | 2.7157% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.7157% | 4,404 |
| Net charge-offs to loans | 0.0644% | 5,496 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 15.8182% | 1,433 |
| Efficiency ratio | 83.3969% | 1,990 |
| Assets per employee ($millions) | 3.4335% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6942% | 7,264 |
| Loan loss allowance to noncurrent loans | 1,311.1111% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 7,059 |
| Noncurrent loans to loans | 0.0529% | 7,183 |
| Net loans and leases to total assets | 54.6236% | 5,894 |
| Net loans and leases to deposits | 64.1623% | 6,021 |
| Net loans and leases to core deposits | 64.1623% | 6,388 |
| Total domestic deposits to total assets | 85.1334% | 3,555 |
| Equity capital to assets | 14.2873% | 1,070 |
| Core capital (leverage) ratio | 14.0154% | 923 |
| Tier 1 risk-based capital ratio | 34.9718% | 350 |
| Total risk-based capital ratio | 35.9289% | 356 |
| Memoranda: | ||
| Average total assets | $60,833,330 | 6,272 |
| Average earning assets | $57,796,330 | 6,177 |
| Average equity | $8,764,000 | 5,569 |
| Average total loans | $34,153,670 | 6,324 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 7,325 |
| Cost of funding earning assets | 0.7325% | 7,264 |
| Net interest margin | 3.4184% | 5,507 |
| Noninterest income to average assets | 0.2850% | 5,860 |
| Noninterest expense to average assets | 2.8833% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4375% | 4,678 |
| Return on assets (ROA) | 0.4375% | 4,806 |
| Pretax return on assets | 0.6496% | 4,417 |
| Return on Equity (ROE) | 3.0237% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.0237% | 4,321 |
| Net charge-offs to loans | -0.1753% | 7,648 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6135% | 2,334 |
| Assets per employee ($millions) | 3.3846% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 7,205 |
| Loan loss allowance to noncurrent loans | 242.5926% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 6,895 |
| Noncurrent loans to loans | 0.3164% | 6,675 |
| Net loans and leases to total assets | 55.5957% | 5,804 |
| Net loans and leases to deposits | 65.3319% | 5,896 |
| Net loans and leases to core deposits | 65.3319% | 6,339 |
| Total domestic deposits to total assets | 85.0973% | 3,614 |
| Equity capital to assets | 14.3889% | 1,040 |
| Core capital (leverage) ratio | 14.1279% | 929 |
| Tier 1 risk-based capital ratio | 34.9824% | 357 |
| Total risk-based capital ratio | 36.0519% | 355 |
| Memoranda: | ||
| Average total assets | $60,348,500 | 6,361 |
| Average earning assets | $57,336,500 | 6,265 |
| Average equity | $8,731,000 | 5,615 |
| Average total loans | $34,233,000 | 6,409 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 7,503 |
| Cost of funding earning assets | 0.8404% | 7,496 |
| Net interest margin | 3.5366% | 4,795 |
| Noninterest income to average assets | 0.2458% | 6,344 |
| Noninterest expense to average assets | 3.0026% | 4,133 |
| Loan and lease loss provision to assets | 0.1434% | 6,208 |
| Net operating income to assets | 0.3229% | 4,441 |
| Return on assets (ROA) | 0.3229% | 4,527 |
| Pretax return on assets | 0.4742% | 4,267 |
| Return on Equity (ROE) | 1.7690% | 4,992 |
| Retained earnings to average equity (ytd only) | 1.7690% | 3,853 |
| Net charge-offs to loans | 0.1552% | 5,710 |
| Credit loss provision to net charge-offs | 168.5185% | 2,550 |
| Earnings coverage of net charge-offs (x) | 7.2593% | 2,188 |
| Efficiency ratio | 82.9417% | 2,481 |
| Assets per employee ($millions) | 3.1461% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 7,334 |
| Loan loss allowance to noncurrent loans | 12,350.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 7,137 |
| Noncurrent loans to loans | 0.0058% | 7,432 |
| Net loans and leases to total assets | 57.0255% | 5,813 |
| Net loans and leases to deposits | 67.1400% | 5,927 |
| Net loans and leases to core deposits | 73.4950% | 6,565 |
| Total domestic deposits to total assets | 84.9352% | 3,582 |
| Equity capital to assets | 14.5479% | 1,011 |
| Core capital (leverage) ratio | 14.2867% | 933 |
| Tier 1 risk-based capital ratio | 34.9357% | 345 |
| Total risk-based capital ratio | 35.9505% | 345 |
| Memoranda: | ||
| Average total assets | $63,478,400 | 6,220 |
| Average earning assets | $60,567,000 | 6,106 |
| Average equity | $11,588,200 | 4,846 |
| Average total loans | $34,804,200 | 6,364 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 7,596 |
| Cost of funding earning assets | 0.8605% | 7,613 |
| Net interest margin | 3.5525% | 4,663 |
| Noninterest income to average assets | 0.2401% | 6,512 |
| Noninterest expense to average assets | 2.9832% | 4,113 |
| Loan and lease loss provision to assets | 0.1884% | 5,491 |
| Net operating income to assets | 0.3147% | 4,742 |
| Return on assets (ROA) | 0.3147% | 4,847 |
| Pretax return on assets | 0.4616% | 4,636 |
| Return on Equity (ROE) | 1.6461% | 5,285 |
| Retained earnings to average equity (ytd only) | 1.6461% | 4,392 |
| Net charge-offs to loans | 0.2062% | 4,755 |
| Credit loss provision to net charge-offs | 168.5185% | 2,775 |
| Earnings coverage of net charge-offs (x) | 5.8147% | 2,727 |
| Efficiency ratio | 82.1083% | 2,568 |
| Assets per employee ($millions) | 3.3122% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 7,336 |
| Loan loss allowance to noncurrent loans | 3,528.5714% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 7,178 |
| Noncurrent loans to loans | 0.0202% | 7,475 |
| Net loans and leases to total assets | 57.6468% | 5,942 |
| Net loans and leases to deposits | 67.9364% | 6,127 |
| Net loans and leases to core deposits | 74.5402% | 6,697 |
| Total domestic deposits to total assets | 84.8541% | 3,306 |
| Equity capital to assets | 14.4817% | 1,149 |
| Core capital (leverage) ratio | 14.2318% | 1,028 |
| Tier 1 risk-based capital ratio | 34.9202% | 386 |
| Total risk-based capital ratio | 35.9410% | 384 |
| Memoranda: | ||
| Average total assets | $64,404,250 | 6,233 |
| Average earning assets | $61,514,500 | 6,121 |
| Average equity | $12,311,250 | 4,712 |
| Average total loans | $34,921,750 | 6,405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 7,710 |
| Cost of funding earning assets | 0.8746% | 7,727 |
| Net interest margin | 3.5236% | 4,681 |
| Noninterest income to average assets | 0.2061% | 6,818 |
| Noninterest expense to average assets | 2.8758% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4727% | 4,209 |
| Return on assets (ROA) | 0.4727% | 4,322 |
| Pretax return on assets | 0.7000% | 3,989 |
| Return on Equity (ROE) | 2.3048% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.3048% | 4,055 |
| Net charge-offs to loans | 0.1542% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.5556% | 2,244 |
| Efficiency ratio | 80.4237% | 2,973 |
| Assets per employee ($millions) | 3.6379% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5143% | 7,772 |
| Loan loss allowance to noncurrent loans | 121.6216% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 6,175 |
| Noncurrent loans to loans | 0.4229% | 6,457 |
| Net loans and leases to total assets | 53.1749% | 6,552 |
| Net loans and leases to deposits | 67.5998% | 6,238 |
| Net loans and leases to core deposits | 73.7212% | 6,807 |
| Total domestic deposits to total assets | 78.6613% | 5,909 |
| Equity capital to assets | 20.8057% | 340 |
| Core capital (leverage) ratio | 20.6191% | 333 |
| Tier 1 risk-based capital ratio | 52.7502% | 162 |
| Total risk-based capital ratio | 53.4559% | 164 |
| Memoranda: | ||
| Average total assets | $65,999,000 | 6,224 |
| Average earning assets | $63,117,000 | 6,107 |
| Average equity | $13,537,000 | 4,414 |
| Average total loans | $35,023,670 | 6,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 7,624 |
| Cost of funding earning assets | 0.9277% | 7,778 |
| Net interest margin | 3.6666% | 4,034 |
| Noninterest income to average assets | 0.2475% | 6,476 |
| Noninterest expense to average assets | 2.7831% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6520% | 3,789 |
| Return on assets (ROA) | 0.6520% | 3,972 |
| Pretax return on assets | 0.9720% | 3,458 |
| Return on Equity (ROE) | 3.2015% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.2015% | 4,091 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1158% | 3,807 |
| Assets per employee ($millions) | 3.7603% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 7,682 |
| Loan loss allowance to noncurrent loans | 69.6970% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 6,184 |
| Noncurrent loans to loans | 0.8397% | 5,343 |
| Net loans and leases to total assets | 51.9480% | 6,688 |
| Net loans and leases to deposits | 65.3647% | 6,432 |
| Net loans and leases to core deposits | 65.4036% | 7,259 |
| Total domestic deposits to total assets | 79.4740% | 5,555 |
| Equity capital to assets | 20.0295% | 418 |
| Core capital (leverage) ratio | 19.8657% | 402 |
| Tier 1 risk-based capital ratio | 53.5191% | 173 |
| Total risk-based capital ratio | 54.3455% | 173 |
| Memoranda: | ||
| Average total assets | $66,257,500 | 6,245 |
| Average earning assets | $63,383,500 | 6,132 |
| Average equity | $13,493,500 | 4,448 |
| Average total loans | $35,035,500 | 6,494 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0593% | 7,799 |
| Cost of funding earning assets | 1.4989% | 7,613 |
| Net interest margin | 3.5604% | 5,052 |
| Noninterest income to average assets | 0.2046% | 6,980 |
| Noninterest expense to average assets | 2.9119% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4615% | 4,900 |
| Return on assets (ROA) | 0.4615% | 4,722 |
| Pretax return on assets | 0.6947% | 4,416 |
| Return on Equity (ROE) | 2.2036% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.2036% | 3,841 |
| Net charge-offs to loans | 0.0057% | 6,891 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 215 |
| Efficiency ratio | 80.7388% | 2,491 |
| Assets per employee ($millions) | 3.4121% | 4,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 7,682 |
| Loan loss allowance to noncurrent loans | 46.7416% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 4,696 |
| Noncurrent loans to loans | 1.2823% | 3,946 |
| Net loans and leases to total assets | 53.2084% | 6,729 |
| Net loans and leases to deposits | 67.4587% | 6,508 |
| Net loans and leases to core deposits | 72.9374% | 7,025 |
| Total domestic deposits to total assets | 78.8755% | 5,416 |
| Equity capital to assets | 20.7157% | 426 |
| Core capital (leverage) ratio | 20.5683% | 400 |
| Tier 1 risk-based capital ratio | 54.2709% | 180 |
| Total risk-based capital ratio | 55.1198% | 182 |
| Memoranda: | ||
| Average total assets | $63,051,000 | 6,276 |
| Average earning assets | $60,245,400 | 6,161 |
| Average equity | $13,205,400 | 4,521 |
| Average total loans | $35,083,800 | 6,422 |