Home > The Farmers National Bank of Lebanon > Performance and Condition Ratios
The Farmers National Bank of Lebanon, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 2,445 |
| Cost of funding earning assets | 1.6693% | 2,801 |
| Net interest margin | 3.6644% | 1,941 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.7219% | 1,694 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 0.9646% | 2,371 |
| Return on assets (ROA) | 0.9646% | 2,375 |
| Pretax return on assets | 1.2531% | 2,105 |
| Return on Equity (ROE) | 10.0600% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.0593% | 1,170 |
| Net charge-offs to loans | -0.0094% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.6765% | 1,967 |
| Assets per employee ($millions) | 5.6240% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,431 |
| 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 | 60.5500% | 2,824 |
| Net loans and leases to deposits | 67.4871% | 3,030 |
| Net loans and leases to core deposits | 73.8199% | 3,088 |
| Total domestic deposits to total assets | 89.7200% | 912 |
| Equity capital to assets | 9.6259% | 2,484 |
| Core capital (leverage) ratio | 11.2314% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $137,256,000 | 3,476 |
| Average earning assets | $130,116,000 | 3,437 |
| Average equity | $13,162,000 | 3,516 |
| Average total loans | $85,323,000 | 3,374 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 2,640 |
| Cost of funding earning assets | 1.5839% | 3,202 |
| Net interest margin | 3.6596% | 1,762 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 2.8165% | 1,470 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.8754% | 2,466 |
| Return on assets (ROA) | 0.8495% | 2,557 |
| Pretax return on assets | 1.1122% | 2,202 |
| Return on Equity (ROE) | 9.0900% | 2,441 |
| Retained earnings to average equity (ytd only) | 7.7997% | 1,178 |
| Net charge-offs to loans | 0.0062% | 2,696 |
| Credit loss provision to net charge-offs | 820.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 309.6000% | 365 |
| Efficiency ratio | 70.4298% | 1,933 |
| Assets per employee ($millions) | 5.3565% | 3,394 |
| Cash dividends to net income (ytd only)* | 14.2086% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,288 |
| 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 | 62.3700% | 2,725 |
| Net loans and leases to deposits | 69.4492% | 2,995 |
| Net loans and leases to core deposits | 75.8847% | 3,050 |
| Total domestic deposits to total assets | 89.8100% | 880 |
| Equity capital to assets | 9.5510% | 2,417 |
| Core capital (leverage) ratio | 11.2262% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $130,907,400 | 3,528 |
| Average earning assets | $123,811,400 | 3,493 |
| Average equity | $12,231,200 | 3,581 |
| Average total loans | $80,065,000 | 3,409 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 2,678 |
| Cost of funding earning assets | 1.5353% | 3,291 |
| Net interest margin | 3.6546% | 1,731 |
| Noninterest income to average assets | 0.5400% | 1,719 |
| Noninterest expense to average assets | 2.7689% | 1,521 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.9076% | 2,359 |
| Return on assets (ROA) | 0.8728% | 2,475 |
| Pretax return on assets | 1.1350% | 2,157 |
| Return on Equity (ROE) | 9.3900% | 2,359 |
| Retained earnings to average equity (ytd only) | 7.6526% | 1,514 |
| Net charge-offs to loans | 0.0101% | 2,269 |
| Credit loss provision to net charge-offs | 683.3333% | 511 |
| Earnings coverage of net charge-offs (x) | 200.1667% | 520 |
| Efficiency ratio | 69.2367% | 2,115 |
| Assets per employee ($millions) | 5.4316% | 3,332 |
| Cash dividends to net income (ytd only)* | 18.5446% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,104 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 59.1500% | 2,997 |
| Net loans and leases to deposits | 66.1149% | 3,243 |
| Net loans and leases to core deposits | 71.5287% | 3,318 |
| Total domestic deposits to total assets | 89.4700% | 753 |
| Equity capital to assets | 9.7812% | 2,433 |
| Core capital (leverage) ratio | 11.5250% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $130,156,250 | 3,534 |
| Average earning assets | $123,056,000 | 3,507 |
| Average equity | $12,091,500 | 3,599 |
| Average total loans | $78,952,500 | 3,438 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 2,745 |
| Cost of funding earning assets | 1.5056% | 3,272 |
| Net interest margin | 3.6016% | 1,786 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 2.7690% | 1,530 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.8668% | 2,399 |
| Return on assets (ROA) | 0.8139% | 2,598 |
| Pretax return on assets | 1.0524% | 2,329 |
| Return on Equity (ROE) | 8.9300% | 2,473 |
| Retained earnings to average equity (ytd only) | 6.2422% | 1,919 |
| Net charge-offs to loans | 0.0102% | 2,030 |
| Credit loss provision to net charge-offs | 1,025.0000% | 391 |
| Earnings coverage of net charge-offs (x) | 190.7500% | 512 |
| Efficiency ratio | 69.9488% | 2,120 |
| Assets per employee ($millions) | 5.1381% | 3,516 |
| Cash dividends to net income (ytd only)* | 30.0766% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 2,112 |
| Loan loss allowance to noncurrent loans | 133.9166% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 1,168 |
| Noncurrent loans to loans | 0.9149% | 1,031 |
| Net loans and leases to total assets | 62.4500% | 2,709 |
| Net loans and leases to deposits | 69.3932% | 3,039 |
| Net loans and leases to core deposits | 74.6056% | 3,125 |
| Total domestic deposits to total assets | 89.9900% | 709 |
| Equity capital to assets | 9.3505% | 2,493 |
| Core capital (leverage) ratio | 10.9635% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $128,278,000 | 3,563 |
| Average earning assets | $121,280,667 | 3,530 |
| Average equity | $11,694,667 | 3,613 |
| Average total loans | $78,165,333 | 3,455 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9338% | 2,916 |
| Cost of funding earning assets | 1.4181% | 3,364 |
| Net interest margin | 3.5156% | 1,878 |
| Noninterest income to average assets | 0.5200% | 1,683 |
| Noninterest expense to average assets | 2.8208% | 1,412 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.7956% | 2,555 |
| Return on assets (ROA) | 0.6896% | 2,895 |
| Pretax return on assets | 0.8831% | 2,713 |
| Return on Equity (ROE) | 7.6600% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.6626% | 1,647 |
| Net charge-offs to loans | 0.0209% | 1,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 82.5000% | 748 |
| Efficiency ratio | 73.2577% | 1,807 |
| Assets per employee ($millions) | 5.2659% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,174 |
| Loan loss allowance to noncurrent loans | 127.2000% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 1,128 |
| Noncurrent loans to loans | 0.9599% | 903 |
| Net loans and leases to total assets | 58.6300% | 2,997 |
| Net loans and leases to deposits | 64.6234% | 3,256 |
| Net loans and leases to core deposits | 70.7511% | 3,291 |
| Total domestic deposits to total assets | 90.7200% | 597 |
| Equity capital to assets | 8.8038% | 2,808 |
| Core capital (leverage) ratio | 11.1463% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $128,190,500 | 3,576 |
| Average earning assets | $121,286,500 | 3,542 |
| Average equity | $11,536,500 | 3,632 |
| Average total loans | $76,644,000 | 3,481 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 2,773 |
| Cost of funding earning assets | 0.9688% | 3,375 |
| Net interest margin | 3.6874% | 1,787 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.8336% | 1,418 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.8177% | 2,812 |
| Return on assets (ROA) | 0.8087% | 2,822 |
| Pretax return on assets | 1.0366% | 2,570 |
| Return on Equity (ROE) | 9.3800% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.3341% | 1,451 |
| Net charge-offs to loans | 0.1746% | 613 |
| Credit loss provision to net charge-offs | 195.8333% | 1,238 |
| Earnings coverage of net charge-offs (x) | 12.6250% | 2,140 |
| Efficiency ratio | 69.5171% | 1,954 |
| Assets per employee ($millions) | 5.1973% | 3,477 |
| Cash dividends to net income (ytd only)* | 11.1562% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 1,903 |
| 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 | 59.4800% | 2,889 |
| Net loans and leases to deposits | 65.8031% | 3,180 |
| Net loans and leases to core deposits | 70.4854% | 3,281 |
| Total domestic deposits to total assets | 90.3900% | 654 |
| Equity capital to assets | 9.2060% | 2,538 |
| Core capital (leverage) ratio | 11.2981% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $121,931,400 | 3,635 |
| Average earning assets | $114,879,200 | 3,595 |
| Average equity | $10,511,000 | 3,663 |
| Average total loans | $68,724,800 | 3,571 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 2,833 |
| Cost of funding earning assets | 0.8772% | 3,327 |
| Net interest margin | 3.6583% | 1,867 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.7594% | 1,523 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.8348% | 2,916 |
| Return on assets (ROA) | 0.8227% | 2,944 |
| Pretax return on assets | 1.0591% | 2,687 |
| Return on Equity (ROE) | 9.7100% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.2844% | 1,866 |
| Net charge-offs to loans | 0.2284% | 388 |
| Credit loss provision to net charge-offs | 166.9565% | 1,244 |
| Earnings coverage of net charge-offs (x) | 10.2261% | 2,136 |
| Efficiency ratio | 68.0868% | 2,004 |
| Assets per employee ($millions) | 5.2280% | 3,407 |
| Cash dividends to net income (ytd only)* | 14.7059% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 1,995 |
| Loan loss allowance to noncurrent loans | 92,000.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,879 |
| Noncurrent loans to loans | 0.0014% | 3,817 |
| Net loans and leases to total assets | 56.8300% | 3,133 |
| Net loans and leases to deposits | 62.1582% | 3,395 |
| Net loans and leases to core deposits | 65.4108% | 3,458 |
| Total domestic deposits to total assets | 91.4200% | 575 |
| Equity capital to assets | 8.0774% | 3,008 |
| Core capital (leverage) ratio | 10.7915% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $121,230,750 | 3,650 |
| Average earning assets | $114,147,750 | 3,616 |
| Average equity | $10,268,000 | 3,693 |
| Average total loans | $67,117,750 | 3,600 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3875% | 2,914 |
| Cost of funding earning assets | 0.7643% | 3,316 |
| Net interest margin | 3.6231% | 1,983 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.7509% | 1,525 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9582% | 2,552 |
| Return on assets (ROA) | 0.9398% | 2,604 |
| Pretax return on assets | 1.2252% | 2,302 |
| Return on Equity (ROE) | 10.9200% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.7856% | 1,737 |
| Net charge-offs to loans | -0.0764% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.4101% | 1,933 |
| Assets per employee ($millions) | 5.0839% | 3,523 |
| Cash dividends to net income (ytd only)* | 19.5382% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,006 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.7800% | 3,209 |
| Net loans and leases to deposits | 60.4780% | 3,393 |
| Net loans and leases to core deposits | 63.4521% | 3,477 |
| Total domestic deposits to total assets | 90.5700% | 762 |
| Equity capital to assets | 8.8318% | 2,637 |
| Core capital (leverage) ratio | 10.9890% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $119,816,667 | 3,681 |
| Average earning assets | $112,775,667 | 3,648 |
| Average equity | $10,312,333 | 3,703 |
| Average total loans | $65,416,667 | 3,628 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 3,069 |
| Cost of funding earning assets | 0.6689% | 3,160 |
| Net interest margin | 3.5199% | 2,310 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.7932% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8931% | 2,882 |
| Return on assets (ROA) | 0.8558% | 2,947 |
| Pretax return on assets | 1.0984% | 2,711 |
| Return on Equity (ROE) | 10.0800% | 2,763 |
| Retained earnings to average equity (ytd only) | 10.0789% | 1,678 |
| Net charge-offs to loans | -0.0685% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9153% | 1,652 |
| Assets per employee ($millions) | 4.9787% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 1,859 |
| Loan loss allowance to noncurrent loans | 4,270.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,657 |
| Noncurrent loans to loans | 0.0314% | 3,535 |
| Net loans and leases to total assets | 52.6400% | 3,303 |
| Net loans and leases to deposits | 57.9851% | 3,454 |
| Net loans and leases to core deposits | 60.1166% | 3,537 |
| Total domestic deposits to total assets | 90.7800% | 873 |
| Equity capital to assets | 8.6577% | 2,774 |
| Core capital (leverage) ratio | 11.0534% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $118,718,500 | 3,735 |
| Average earning assets | $111,822,000 | 3,698 |
| Average equity | $10,080,500 | 3,779 |
| Average total loans | $64,273,000 | 3,690 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 2,729 |
| Cost of funding earning assets | 0.2987% | 2,888 |
| Net interest margin | 3.3237% | 2,502 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.7879% | 1,342 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8263% | 3,231 |
| Return on assets (ROA) | 0.8263% | 3,161 |
| Pretax return on assets | 0.8921% | 3,381 |
| Return on Equity (ROE) | 9.2800% | 3,038 |
| Retained earnings to average equity (ytd only) | 9.2814% | 1,397 |
| Net charge-offs to loans | 0.0196% | 1,701 |
| Credit loss provision to net charge-offs | 283.3333% | 941 |
| Earnings coverage of net charge-offs (x) | 92.0833% | 1,011 |
| Efficiency ratio | 75.1797% | 1,103 |
| Assets per employee ($millions) | 5.1282% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,888 |
| Loan loss allowance to noncurrent loans | 3,372.0000% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 3,634 |
| Noncurrent loans to loans | 0.0386% | 3,498 |
| Net loans and leases to total assets | 54.2200% | 3,183 |
| Net loans and leases to deposits | 59.4311% | 3,366 |
| Net loans and leases to core deposits | 61.2673% | 3,434 |
| Total domestic deposits to total assets | 91.2300% | 864 |
| Equity capital to assets | 8.3223% | 2,834 |
| Core capital (leverage) ratio | 10.7750% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $120,053,400 | 3,730 |
| Average earning assets | $112,827,600 | 3,697 |
| Average equity | $10,688,000 | 3,788 |
| Average total loans | $61,157,400 | 3,703 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 2,592 |
| Cost of funding earning assets | 0.2740% | 2,446 |
| Net interest margin | 3.2350% | 2,514 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.7456% | 1,362 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8127% | 3,200 |
| Return on assets (ROA) | 0.8127% | 3,167 |
| Pretax return on assets | 0.8182% | 3,537 |
| Return on Equity (ROE) | 8.9900% | 3,032 |
| Retained earnings to average equity (ytd only) | 8.9857% | 1,654 |
| Net charge-offs to loans | 0.0266% | 1,290 |
| Credit loss provision to net charge-offs | 283.3333% | 840 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 1,136 |
| Efficiency ratio | 76.2358% | 1,056 |
| Assets per employee ($millions) | 5.0105% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 1,811 |
| Loan loss allowance to noncurrent loans | 7,654.5455% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,905 |
| Noncurrent loans to loans | 0.0176% | 3,797 |
| Net loans and leases to total assets | 51.2300% | 3,365 |
| Net loans and leases to deposits | 55.8805% | 3,489 |
| Net loans and leases to core deposits | 56.7772% | 3,573 |
| Total domestic deposits to total assets | 91.6700% | 983 |
| Equity capital to assets | 7.8202% | 3,013 |
| Core capital (leverage) ratio | 10.4717% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $120,579,750 | 3,745 |
| Average earning assets | $113,380,500 | 3,717 |
| Average equity | $10,906,000 | 3,818 |
| Average total loans | $60,248,000 | 3,737 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4079% | 2,409 |
| Cost of funding earning assets | 0.2740% | 1,970 |
| Net interest margin | 3.1339% | 2,428 |
| Noninterest income to average assets | 0.5535% | 1,930 |
| Noninterest expense to average assets | 2.7476% | 1,277 |
| Loan and lease loss provision to assets | 0.0166% | 2,306 |
| Net operating income to assets | 0.8385% | 2,826 |
| Return on assets (ROA) | 0.8385% | 2,797 |
| Pretax return on assets | 0.7457% | 3,462 |
| Return on Equity (ROE) | 8.8720% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.8720% | 1,325 |
| Net charge-offs to loans | 0.0437% | 950 |
| Credit loss provision to net charge-offs | 76.9231% | 1,402 |
| Earnings coverage of net charge-offs (x) | 35.3846% | 1,317 |
| Efficiency ratio | 78.2814% | 1,069 |
| Assets per employee ($millions) | 4.9902% | 3,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,100 |
| Loan loss allowance to noncurrent loans | 11,685.7143% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,989 |
| Noncurrent loans to loans | 0.0113% | 3,897 |
| Net loans and leases to total assets | 51.0955% | 3,254 |
| Net loans and leases to deposits | 55.8136% | 3,397 |
| Net loans and leases to core deposits | 56.7141% | 3,511 |
| Total domestic deposits to total assets | 91.5467% | 1,016 |
| Equity capital to assets | 7.9991% | 3,128 |
| Core capital (leverage) ratio | 10.1873% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,688,667 | 3,793 |
| Average earning assets | $113,853,333 | 3,766 |
| Average equity | $11,406,667 | 3,845 |
| Average total loans | $59,516,333 | 3,791 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2431% | 2,555 |
| Cost of funding earning assets | 0.2752% | 1,877 |
| Net interest margin | 2.9679% | 2,609 |
| Noninterest income to average assets | 0.5250% | 2,018 |
| Noninterest expense to average assets | 2.8130% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4424% | 3,869 |
| Return on assets (ROA) | 0.4424% | 3,833 |
| Pretax return on assets | 0.5250% | 3,821 |
| Return on Equity (ROE) | 4.3506% | 3,794 |
| Retained earnings to average equity (ytd only) | 4.3506% | 2,819 |
| Net charge-offs to loans | -0.0069% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2730% | 826 |
| Assets per employee ($millions) | 4.8964% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,908 |
| Loan loss allowance to noncurrent loans | 3,425.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,855 |
| Noncurrent loans to loans | 0.0408% | 3,685 |
| Net loans and leases to total assets | 47.3270% | 3,459 |
| Net loans and leases to deposits | 52.5041% | 3,533 |
| Net loans and leases to core deposits | 53.3443% | 3,645 |
| Total domestic deposits to total assets | 90.1397% | 1,483 |
| Equity capital to assets | 9.3685% | 2,391 |
| Core capital (leverage) ratio | 11.3401% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,151,000 | 3,804 |
| Average earning assets | $114,829,000 | 3,779 |
| Average equity | $12,320,000 | 3,829 |
| Average total loans | $58,268,500 | 3,820 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 2,037 |
| Cost of funding earning assets | 0.3030% | 2,383 |
| Net interest margin | 3.4245% | 1,949 |
| Noninterest income to average assets | 0.5330% | 2,426 |
| Noninterest expense to average assets | 2.8573% | 1,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7353% | 3,532 |
| Return on assets (ROA) | 0.7353% | 3,591 |
| Pretax return on assets | 0.9172% | 3,466 |
| Return on Equity (ROE) | 6.6522% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.6522% | 2,057 |
| Net charge-offs to loans | 0.0221% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 90.3333% | 926 |
| Efficiency ratio | 75.7005% | 1,130 |
| Assets per employee ($millions) | 4.9955% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,838 |
| Loan loss allowance to noncurrent loans | 3,284.0000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,928 |
| Noncurrent loans to loans | 0.0433% | 3,766 |
| Net loans and leases to total assets | 47.5103% | 3,537 |
| Net loans and leases to deposits | 53.6856% | 3,620 |
| Net loans and leases to core deposits | 54.5797% | 3,720 |
| Total domestic deposits to total assets | 88.4971% | 1,793 |
| Equity capital to assets | 10.9866% | 1,799 |
| Core capital (leverage) ratio | 11.5208% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,189,200 | 3,821 |
| Average earning assets | $111,870,600 | 3,791 |
| Average equity | $13,063,400 | 3,824 |
| Average total loans | $54,320,200 | 3,927 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 1,761 |
| Cost of funding earning assets | 0.3065% | 2,534 |
| Net interest margin | 3.5935% | 1,611 |
| Noninterest income to average assets | 0.5231% | 2,526 |
| Noninterest expense to average assets | 2.7908% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8978% | 3,253 |
| Return on assets (ROA) | 0.8978% | 3,328 |
| Pretax return on assets | 1.1299% | 3,135 |
| Return on Equity (ROE) | 8.1105% | 3,367 |
| Retained earnings to average equity (ytd only) | 8.1105% | 2,019 |
| Net charge-offs to loans | 0.0274% | 1,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 90.7273% | 920 |
| Efficiency ratio | 71.1811% | 1,476 |
| Assets per employee ($millions) | 4.7798% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,461 |
| Loan loss allowance to noncurrent loans | 97.8597% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 1,058 |
| Noncurrent loans to loans | 1.5845% | 649 |
| Net loans and leases to total assets | 43.7287% | 3,974 |
| Net loans and leases to deposits | 49.5660% | 4,025 |
| Net loans and leases to core deposits | 50.5241% | 4,108 |
| Total domestic deposits to total assets | 88.2230% | 1,706 |
| Equity capital to assets | 11.2790% | 1,834 |
| Core capital (leverage) ratio | 12.0949% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,763,500 | 3,872 |
| Average earning assets | $111,345,250 | 3,840 |
| Average equity | $13,036,250 | 3,877 |
| Average total loans | $53,454,750 | 3,992 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 1,005 |
| Cost of funding earning assets | 0.3073% | 2,715 |
| Net interest margin | 3.9945% | 830 |
| Noninterest income to average assets | 0.5018% | 2,617 |
| Noninterest expense to average assets | 2.7836% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1623% | 2,325 |
| Return on assets (ROA) | 1.1623% | 2,385 |
| Pretax return on assets | 1.4899% | 2,047 |
| Return on Equity (ROE) | 10.5672% | 2,564 |
| Retained earnings to average equity (ytd only) | 10.5672% | 1,228 |
| Net charge-offs to loans | 0.0075% | 1,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 436.5000% | 296 |
| Efficiency ratio | 65.1358% | 2,278 |
| Assets per employee ($millions) | 4.7641% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 1,447 |
| Loan loss allowance to noncurrent loans | 96.1806% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 1,134 |
| Noncurrent loans to loans | 1.6035% | 686 |
| Net loans and leases to total assets | 44.5430% | 4,009 |
| Net loans and leases to deposits | 50.4690% | 4,078 |
| Net loans and leases to core deposits | 51.4474% | 4,161 |
| Total domestic deposits to total assets | 88.2581% | 1,694 |
| Equity capital to assets | 11.1744% | 1,852 |
| Core capital (leverage) ratio | 11.1918% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5069% | 888 |
| Memoranda: | ||
| Average total assets | $117,186,000 | 3,890 |
| Average earning assets | $110,651,667 | 3,865 |
| Average equity | $12,889,000 | 3,899 |
| Average total loans | $53,580,667 | 4,014 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 840 |
| Cost of funding earning assets | 0.3140% | 2,853 |
| Net interest margin | 4.1372% | 678 |
| Noninterest income to average assets | 0.4956% | 2,631 |
| Noninterest expense to average assets | 2.8324% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2080% | 2,112 |
| Return on assets (ROA) | 1.2080% | 2,198 |
| Pretax return on assets | 1.5625% | 1,824 |
| Return on Equity (ROE) | 11.0734% | 2,342 |
| Retained earnings to average equity (ytd only) | 11.0734% | 1,383 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4479% | 2,415 |
| Assets per employee ($millions) | 4.7454% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,363 |
| Loan loss allowance to noncurrent loans | 91.1475% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 1,181 |
| Noncurrent loans to loans | 1.7254% | 695 |
| Net loans and leases to total assets | 43.9968% | 4,111 |
| Net loans and leases to deposits | 49.4622% | 4,192 |
| Net loans and leases to core deposits | 50.2750% | 4,288 |
| Total domestic deposits to total assets | 88.9502% | 1,363 |
| Equity capital to assets | 10.5347% | 2,237 |
| Core capital (leverage) ratio | 11.2931% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4584% | 1,000 |
| Memoranda: | ||
| Average total assets | $116,227,500 | 3,902 |
| Average earning assets | $109,543,000 | 3,875 |
| Average equity | $12,679,000 | 3,931 |
| Average total loans | $53,429,500 | 4,030 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 3,175 |
| Cost of funding earning assets | 0.3632% | 3,801 |
| Net interest margin | 3.4835% | 2,520 |
| Noninterest income to average assets | 0.5210% | 2,541 |
| Noninterest expense to average assets | 2.8882% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7551% | 3,250 |
| Return on assets (ROA) | 0.7582% | 3,368 |
| Pretax return on assets | 0.9058% | 3,352 |
| Return on Equity (ROE) | 6.6000% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.6246% | 1,980 |
| Net charge-offs to loans | 0.0165% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 752 |
| Efficiency ratio | 76.2010% | 1,201 |
| Assets per employee ($millions) | 4.3777% | 4,032 |
| Cash dividends to net income (ytd only)* | 14.7783% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,432 |
| Loan loss allowance to noncurrent loans | 90.3575% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 1,260 |
| Noncurrent loans to loans | 1.7147% | 739 |
| Net loans and leases to total assets | 46.5608% | 4,091 |
| Net loans and leases to deposits | 52.7418% | 4,183 |
| Net loans and leases to core deposits | 53.6512% | 4,276 |
| Total domestic deposits to total assets | 88.2805% | 1,335 |
| Equity capital to assets | 11.2986% | 2,020 |
| Core capital (leverage) ratio | 11.3763% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7908% | 795 |
| Memoranda: | ||
| Average total assets | $107,092,400 | 3,906 |
| Average earning assets | $100,503,400 | 3,887 |
| Average equity | $12,303,000 | 3,942 |
| Average total loans | $54,605,200 | 4,006 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9897% | 2,999 |
| Cost of funding earning assets | 0.3680% | 3,958 |
| Net interest margin | 3.6217% | 2,188 |
| Noninterest income to average assets | 0.5237% | 2,509 |
| Noninterest expense to average assets | 2.9446% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8104% | 3,053 |
| Return on assets (ROA) | 0.8146% | 3,157 |
| Pretax return on assets | 0.9828% | 3,124 |
| Return on Equity (ROE) | 7.0591% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.0591% | 1,664 |
| Net charge-offs to loans | 0.0219% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 85.8889% | 879 |
| Efficiency ratio | 75.0726% | 1,293 |
| Assets per employee ($millions) | 4.3219% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,414 |
| Loan loss allowance to noncurrent loans | 89.7740% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 1,393 |
| Noncurrent loans to loans | 1.6599% | 834 |
| Net loans and leases to total assets | 49.0634% | 4,149 |
| Net loans and leases to deposits | 55.6215% | 4,278 |
| Net loans and leases to core deposits | 56.6031% | 4,359 |
| Total domestic deposits to total assets | 88.2094% | 1,106 |
| Equity capital to assets | 11.2896% | 2,156 |
| Core capital (leverage) ratio | 11.5880% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1561% | 891 |
| Memoranda: | ||
| Average total assets | $105,410,750 | 3,923 |
| Average earning assets | $98,919,250 | 3,904 |
| Average equity | $12,163,750 | 3,960 |
| Average total loans | $54,799,250 | 4,028 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 2,574 |
| Cost of funding earning assets | 0.3688% | 4,179 |
| Net interest margin | 3.8929% | 1,586 |
| Noninterest income to average assets | 0.5219% | 2,482 |
| Noninterest expense to average assets | 2.9372% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0025% | 2,320 |
| Return on assets (ROA) | 1.0088% | 2,417 |
| Pretax return on assets | 1.2377% | 2,227 |
| Return on Equity (ROE) | 8.6741% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.6741% | 1,112 |
| Net charge-offs to loans | 0.0368% | 1,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 930 |
| Efficiency ratio | 70.4842% | 1,892 |
| Assets per employee ($millions) | 4.2096% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 1,365 |
| 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 | 51.1384% | 4,085 |
| Net loans and leases to deposits | 57.9986% | 4,226 |
| Net loans and leases to core deposits | 59.5519% | 4,284 |
| Total domestic deposits to total assets | 88.1718% | 1,098 |
| Equity capital to assets | 11.3431% | 2,089 |
| Core capital (leverage) ratio | 11.9502% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2797% | 1,005 |
| Memoranda: | ||
| Average total assets | $103,091,333 | 3,957 |
| Average earning assets | $96,534,333 | 3,934 |
| Average equity | $11,989,667 | 3,986 |
| Average total loans | $54,410,333 | 4,049 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 3,533 |
| Cost of funding earning assets | 0.3729% | 4,453 |
| Net interest margin | 3.7246% | 2,242 |
| Noninterest income to average assets | 0.5405% | 2,329 |
| Noninterest expense to average assets | 2.8825% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9270% | 2,429 |
| Return on assets (ROA) | 0.9368% | 2,499 |
| Pretax return on assets | 1.1490% | 2,363 |
| Return on Equity (ROE) | 7.9477% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.9477% | 1,247 |
| Net charge-offs to loans | 0.0827% | 1,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 25.8182% | 1,274 |
| Efficiency ratio | 71.7131% | 2,124 |
| Assets per employee ($millions) | 3.7903% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 1,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 53.5520% | 4,021 |
| Net loans and leases to deposits | 61.2729% | 4,143 |
| Net loans and leases to core deposits | 62.9090% | 4,236 |
| Total domestic deposits to total assets | 87.3992% | 1,383 |
| Equity capital to assets | 12.1787% | 1,937 |
| Core capital (leverage) ratio | 12.4863% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2622% | 950 |
| Memoranda: | ||
| Average total assets | $99,912,000 | 3,995 |
| Average earning assets | $93,325,500 | 3,978 |
| Average equity | $11,777,000 | 4,021 |
| Average total loans | $53,213,500 | 4,087 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 3,837 |
| Cost of funding earning assets | 0.3732% | 4,530 |
| Net interest margin | 3.8149% | 2,455 |
| Noninterest income to average assets | 0.5659% | 2,395 |
| Noninterest expense to average assets | 3.1439% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7918% | 3,579 |
| Return on assets (ROA) | 0.8007% | 3,640 |
| Pretax return on assets | 0.9677% | 3,547 |
| Return on Equity (ROE) | 7.4177% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.3255% | 1,705 |
| Net charge-offs to loans | -0.0308% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6651% | 1,299 |
| Assets per employee ($millions) | 3.8952% | 4,036 |
| Cash dividends to net income (ytd only)* | 14.7239% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 987 |
| Loan loss allowance to noncurrent loans | 3,665.2174% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 4,544 |
| Noncurrent loans to loans | 0.0435% | 4,386 |
| Net loans and leases to total assets | 51.3226% | 4,267 |
| Net loans and leases to deposits | 58.2362% | 4,363 |
| Net loans and leases to core deposits | 59.7334% | 4,456 |
| Total domestic deposits to total assets | 88.1284% | 1,072 |
| Equity capital to assets | 11.4066% | 2,613 |
| Core capital (leverage) ratio | 12.0189% | 1,761 |
| Tier 1 risk-based capital ratio | 18.0450% | 1,746 |
| Total risk-based capital ratio | 19.0231% | 1,773 |
| Memoranda: | ||
| Average total assets | $101,782,800 | 3,973 |
| Average earning assets | $94,314,600 | 3,961 |
| Average equity | $10,987,200 | 4,128 |
| Average total loans | $51,987,400 | 4,142 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 3,916 |
| Cost of funding earning assets | 0.3722% | 4,589 |
| Net interest margin | 3.8298% | 2,503 |
| Noninterest income to average assets | 0.5744% | 2,336 |
| Noninterest expense to average assets | 3.1557% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7953% | 3,689 |
| Return on assets (ROA) | 0.8072% | 3,734 |
| Pretax return on assets | 0.9734% | 3,669 |
| Return on Equity (ROE) | 7.5848% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.5848% | 1,582 |
| Net charge-offs to loans | -0.0283% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6932% | 1,243 |
| Assets per employee ($millions) | 3.8595% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 940 |
| Loan loss allowance to noncurrent loans | 1,780.8511% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,485 |
| Noncurrent loans to loans | 0.0917% | 4,239 |
| Net loans and leases to total assets | 50.2656% | 4,416 |
| Net loans and leases to deposits | 57.0311% | 4,515 |
| Net loans and leases to core deposits | 58.5219% | 4,585 |
| Total domestic deposits to total assets | 88.1372% | 979 |
| Equity capital to assets | 11.3865% | 2,751 |
| Core capital (leverage) ratio | 11.8667% | 1,947 |
| Tier 1 risk-based capital ratio | 18.2722% | 1,743 |
| Total risk-based capital ratio | 19.2261% | 1,774 |
| Memoranda: | ||
| Average total assets | $101,909,750 | 4,013 |
| Average earning assets | $94,206,250 | 4,009 |
| Average equity | $10,846,000 | 4,182 |
| Average total loans | $51,779,250 | 4,193 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1871% | 3,957 |
| Cost of funding earning assets | 0.3687% | 4,623 |
| Net interest margin | 3.8184% | 2,526 |
| Noninterest income to average assets | 0.5604% | 2,342 |
| Noninterest expense to average assets | 3.2315% | 1,442 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7732% | 3,741 |
| Return on assets (ROA) | 0.7732% | 3,807 |
| Pretax return on assets | 0.8474% | 3,978 |
| Return on Equity (ROE) | 7.4348% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.4348% | 1,632 |
| Net charge-offs to loans | -0.0231% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2245% | 1,035 |
| Assets per employee ($millions) | 3.9079% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 940 |
| Loan loss allowance to noncurrent loans | 1,633.3333% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,512 |
| Noncurrent loans to loans | 0.1006% | 4,223 |
| Net loans and leases to total assets | 49.0788% | 4,517 |
| Net loans and leases to deposits | 55.3739% | 4,619 |
| Net loans and leases to core deposits | 56.7935% | 4,690 |
| Total domestic deposits to total assets | 88.6316% | 813 |
| Equity capital to assets | 11.0200% | 3,022 |
| Core capital (leverage) ratio | 11.4879% | 2,177 |
| Tier 1 risk-based capital ratio | 17.8254% | 1,848 |
| Total risk-based capital ratio | 18.7748% | 1,896 |
| Memoranda: | ||
| Average total assets | $102,430,670 | 4,026 |
| Average earning assets | $94,385,000 | 4,028 |
| Average equity | $10,652,670 | 4,220 |
| Average total loans | $51,946,670 | 4,221 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 4,108 |
| Cost of funding earning assets | 0.3644% | 4,625 |
| Net interest margin | 3.7419% | 2,737 |
| Noninterest income to average assets | 0.5173% | 2,451 |
| Noninterest expense to average assets | 3.5666% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4667% | 4,606 |
| Return on assets (ROA) | 0.4667% | 4,628 |
| Pretax return on assets | 0.3851% | 4,859 |
| Return on Equity (ROE) | 4.6241% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.6241% | 3,072 |
| Net charge-offs to loans | 0.0685% | 1,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,929 |
| Efficiency ratio | 90.2559% | 385 |
| Assets per employee ($millions) | 3.8428% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 1,106 |
| Loan loss allowance to noncurrent loans | 4,095.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,767 |
| Noncurrent loans to loans | 0.0385% | 4,593 |
| Net loans and leases to total assets | 49.2212% | 4,513 |
| Net loans and leases to deposits | 54.9376% | 4,643 |
| Net loans and leases to core deposits | 55.8075% | 4,723 |
| Total domestic deposits to total assets | 89.5948% | 602 |
| Equity capital to assets | 10.1835% | 3,640 |
| Core capital (leverage) ratio | 11.2289% | 2,366 |
| Tier 1 risk-based capital ratio | 17.1629% | 2,059 |
| Total risk-based capital ratio | 18.1382% | 2,090 |
| Memoranda: | ||
| Average total assets | $102,843,000 | 4,056 |
| Average earning assets | $94,390,500 | 4,069 |
| Average equity | $10,380,500 | 4,276 |
| Average total loans | $52,570,000 | 4,253 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 3,688 |
| Cost of funding earning assets | 0.3868% | 4,070 |
| Net interest margin | 3.7306% | 2,934 |
| Noninterest income to average assets | 0.6445% | 2,065 |
| Noninterest expense to average assets | 3.8006% | 685 |
| Loan and lease loss provision to assets | 0.1382% | 1,559 |
| Net operating income to assets | 0.1944% | 5,112 |
| Return on assets (ROA) | 0.1915% | 5,111 |
| Pretax return on assets | 0.1767% | 5,131 |
| Return on Equity (ROE) | 1.8859% | 5,061 |
| Retained earnings to average equity (ytd only) | 0.7194% | 4,793 |
| Net charge-offs to loans | 0.1133% | 1,616 |
| Credit loss provision to net charge-offs | 241.3793% | 1,227 |
| Earnings coverage of net charge-offs (x) | 5.5517% | 3,183 |
| Efficiency ratio | 92.2837% | 273 |
| Assets per employee ($millions) | 3.9204% | 4,010 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 1,138 |
| Loan loss allowance to noncurrent loans | 6,361.5385% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,841 |
| Noncurrent loans to loans | 0.0244% | 4,668 |
| Net loans and leases to total assets | 51.4314% | 4,434 |
| Net loans and leases to deposits | 57.2564% | 4,607 |
| Net loans and leases to core deposits | 58.3377% | 4,691 |
| Total domestic deposits to total assets | 89.8264% | 534 |
| Equity capital to assets | 10.0020% | 3,683 |
| Core capital (leverage) ratio | 11.2771% | 2,283 |
| Tier 1 risk-based capital ratio | 16.5221% | 2,233 |
| Total risk-based capital ratio | 17.4929% | 2,272 |
| Memoranda: | ||
| Average total assets | $101,326,000 | 4,081 |
| Average earning assets | $94,354,600 | 4,059 |
| Average equity | $10,286,600 | 4,266 |
| Average total loans | $51,214,000 | 4,294 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 3,908 |
| Cost of funding earning assets | 0.3897% | 3,936 |
| Net interest margin | 3.6169% | 3,312 |
| Noninterest income to average assets | 0.6774% | 1,948 |
| Noninterest expense to average assets | 3.4593% | 1,037 |
| Loan and lease loss provision to assets | 0.1845% | 985 |
| Net operating income to assets | 0.3686% | 4,999 |
| Return on assets (ROA) | 0.3664% | 5,000 |
| Pretax return on assets | 0.4191% | 5,017 |
| Return on Equity (ROE) | 3.5953% | 4,907 |
| Retained earnings to average equity (ytd only) | 3.5953% | 3,970 |
| Net charge-offs to loans | 0.3261% | 513 |
| Credit loss provision to net charge-offs | 112.9032% | 2,075 |
| Earnings coverage of net charge-offs (x) | 3.7097% | 3,137 |
| Efficiency ratio | 85.0891% | 570 |
| Assets per employee ($millions) | 3.4804% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,527 |
| Loan loss allowance to noncurrent loans | 5,853.8462% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 4,944 |
| Noncurrent loans to loans | 0.0248% | 4,786 |
| Net loans and leases to total assets | 51.2776% | 4,512 |
| Net loans and leases to deposits | 57.2631% | 4,685 |
| Net loans and leases to core deposits | 58.2047% | 4,779 |
| Total domestic deposits to total assets | 89.5473% | 658 |
| Equity capital to assets | 10.1683% | 3,476 |
| Core capital (leverage) ratio | 11.4090% | 2,238 |
| Tier 1 risk-based capital ratio | 16.9560% | 2,122 |
| Total risk-based capital ratio | 17.9187% | 2,162 |
| Memoranda: | ||
| Average total assets | $101,175,000 | 4,123 |
| Average earning assets | $94,775,000 | 4,100 |
| Average equity | $10,309,500 | 4,307 |
| Average total loans | $50,704,750 | 4,346 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 3,960 |
| Cost of funding earning assets | 0.3958% | 3,753 |
| Net interest margin | 3.5432% | 3,489 |
| Noninterest income to average assets | 0.7071% | 1,847 |
| Noninterest expense to average assets | 3.2946% | 1,335 |
| Loan and lease loss provision to assets | 0.2765% | 535 |
| Net operating income to assets | 0.3812% | 4,991 |
| Return on assets (ROA) | 0.3812% | 4,995 |
| Pretax return on assets | 0.4602% | 4,969 |
| Return on Equity (ROE) | 3.7385% | 4,879 |
| Retained earnings to average equity (ytd only) | 3.7385% | 3,730 |
| Net charge-offs to loans | 0.4591% | 333 |
| Credit loss provision to net charge-offs | 121.7391% | 1,785 |
| Earnings coverage of net charge-offs (x) | 3.2435% | 2,892 |
| Efficiency ratio | 81.7246% | 855 |
| Assets per employee ($millions) | 3.7894% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,411 |
| Loan loss allowance to noncurrent loans | 359.3458% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,882 |
| Noncurrent loans to loans | 0.4164% | 3,206 |
| Net loans and leases to total assets | 49.4737% | 4,637 |
| Net loans and leases to deposits | 55.2501% | 4,790 |
| Net loans and leases to core deposits | 56.1448% | 4,863 |
| Total domestic deposits to total assets | 89.5450% | 725 |
| Equity capital to assets | 9.9809% | 3,646 |
| Core capital (leverage) ratio | 11.3081% | 2,247 |
| Tier 1 risk-based capital ratio | 16.8831% | 2,135 |
| Total risk-based capital ratio | 17.8281% | 2,180 |
| Memoranda: | ||
| Average total assets | $101,256,330 | 4,157 |
| Average earning assets | $94,999,330 | 4,128 |
| Average equity | $10,325,000 | 4,338 |
| Average total loans | $50,101,000 | 4,401 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,904 |
| Cost of funding earning assets | 0.3981% | 3,603 |
| Net interest margin | 3.5108% | 3,497 |
| Noninterest income to average assets | 0.8260% | 1,374 |
| Noninterest expense to average assets | 3.3675% | 1,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6473% | 4,287 |
| Return on assets (ROA) | 0.6473% | 4,297 |
| Pretax return on assets | 0.7505% | 4,294 |
| Return on Equity (ROE) | 6.2804% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.2804% | 2,595 |
| Net charge-offs to loans | -0.1051% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7743% | 972 |
| Assets per employee ($millions) | 4.0120% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,332 |
| Loan loss allowance to noncurrent loans | 177.6995% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 3,082 |
| Noncurrent loans to loans | 0.8643% | 2,090 |
| Net loans and leases to total assets | 48.3873% | 4,670 |
| Net loans and leases to deposits | 54.2069% | 4,784 |
| Net loans and leases to core deposits | 55.1037% | 4,871 |
| Total domestic deposits to total assets | 89.2641% | 978 |
| Equity capital to assets | 10.2783% | 3,305 |
| Core capital (leverage) ratio | 11.2853% | 2,179 |
| Tier 1 risk-based capital ratio | 17.8440% | 1,881 |
| Total risk-based capital ratio | 18.8050% | 1,915 |
| Memoranda: | ||
| Average total assets | $100,727,000 | 4,212 |
| Average earning assets | $94,451,000 | 4,183 |
| Average equity | $10,381,500 | 4,368 |
| Average total loans | $49,457,500 | 4,452 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,517 |
| Cost of funding earning assets | 0.4213% | 3,043 |
| Net interest margin | 3.5450% | 3,359 |
| Noninterest income to average assets | 0.5539% | 2,693 |
| Noninterest expense to average assets | 3.1814% | 1,647 |
| Loan and lease loss provision to assets | 0.0487% | 3,250 |
| Net operating income to assets | 0.4596% | 4,494 |
| Return on assets (ROA) | 0.4799% | 4,465 |
| Pretax return on assets | 0.6698% | 4,579 |
| Return on Equity (ROE) | 4.6901% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.5485% | 3,150 |
| Net charge-offs to loans | 0.0807% | 2,302 |
| Credit loss provision to net charge-offs | 128.2051% | 2,052 |
| Earnings coverage of net charge-offs (x) | 18.1795% | 2,087 |
| Efficiency ratio | 82.1725% | 918 |
| Assets per employee ($millions) | 3.7465% | 4,368 |
| Cash dividends to net income (ytd only)* | 24.3408% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,403 |
| Loan loss allowance to noncurrent loans | 148.4064% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 2,857 |
| Noncurrent loans to loans | 1.0116% | 1,758 |
| Net loans and leases to total assets | 48.3229% | 4,746 |
| Net loans and leases to deposits | 54.1210% | 4,888 |
| Net loans and leases to core deposits | 55.0071% | 4,967 |
| Total domestic deposits to total assets | 89.2867% | 873 |
| Equity capital to assets | 10.3346% | 3,345 |
| Core capital (leverage) ratio | 11.0044% | 2,333 |
| Tier 1 risk-based capital ratio | 18.0106% | 1,806 |
| Total risk-based capital ratio | 19.0218% | 1,818 |
| Memoranda: | ||
| Average total assets | $102,721,200 | 4,192 |
| Average earning assets | $96,134,800 | 4,158 |
| Average equity | $10,511,400 | 4,377 |
| Average total loans | $48,341,800 | 4,504 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 3,524 |
| Cost of funding earning assets | 0.4199% | 2,986 |
| Net interest margin | 3.5288% | 3,393 |
| Noninterest income to average assets | 0.5625% | 2,655 |
| Noninterest expense to average assets | 3.1757% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5095% | 4,704 |
| Return on assets (ROA) | 0.5095% | 4,735 |
| Pretax return on assets | 0.6905% | 4,631 |
| Return on Equity (ROE) | 4.9908% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.9908% | 2,894 |
| Net charge-offs to loans | 0.0611% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 24.2748% | 1,778 |
| Efficiency ratio | 82.1405% | 904 |
| Assets per employee ($millions) | 3.7491% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,785 |
| Loan loss allowance to noncurrent loans | 817.2414% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,814 |
| Noncurrent loans to loans | 0.1747% | 4,372 |
| Net loans and leases to total assets | 48.4905% | 4,800 |
| Net loans and leases to deposits | 54.7311% | 4,932 |
| Net loans and leases to core deposits | 55.6437% | 5,011 |
| Total domestic deposits to total assets | 88.5978% | 1,070 |
| Equity capital to assets | 10.7344% | 3,132 |
| Core capital (leverage) ratio | 10.8306% | 2,614 |
| Tier 1 risk-based capital ratio | 17.6290% | 1,966 |
| Total risk-based capital ratio | 18.6379% | 1,993 |
| Memoranda: | ||
| Average total assets | $103,112,750 | 4,226 |
| Average earning assets | $96,536,000 | 4,194 |
| Average equity | $10,525,750 | 4,415 |
| Average total loans | $48,020,750 | 4,557 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 3,472 |
| Cost of funding earning assets | 0.4224% | 2,870 |
| Net interest margin | 3.5006% | 3,398 |
| Noninterest income to average assets | 0.5128% | 2,947 |
| Noninterest expense to average assets | 3.1540% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4588% | 4,831 |
| Return on assets (ROA) | 0.4588% | 4,853 |
| Pretax return on assets | 0.6343% | 4,731 |
| Return on Equity (ROE) | 4.5715% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.5715% | 2,990 |
| Net charge-offs to loans | -0.0127% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2570% | 904 |
| Assets per employee ($millions) | 3.8243% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 1,269 |
| Loan loss allowance to noncurrent loans | 3,680.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,207 |
| Noncurrent loans to loans | 0.0433% | 4,974 |
| Net loans and leases to total assets | 43.9940% | 5,042 |
| Net loans and leases to deposits | 49.4201% | 5,160 |
| Net loans and leases to core deposits | 50.2511% | 5,213 |
| Total domestic deposits to total assets | 89.0204% | 940 |
| Equity capital to assets | 10.3898% | 3,469 |
| Core capital (leverage) ratio | 10.2977% | 3,147 |
| Tier 1 risk-based capital ratio | 18.2737% | 1,783 |
| Total risk-based capital ratio | 19.2572% | 1,810 |
| Memoranda: | ||
| Average total assets | $103,741,670 | 4,246 |
| Average earning assets | $97,070,330 | 4,215 |
| Average equity | $10,412,330 | 4,450 |
| Average total loans | $47,429,000 | 4,598 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 3,790 |
| Cost of funding earning assets | 0.4195% | 2,817 |
| Net interest margin | 3.3725% | 3,746 |
| Noninterest income to average assets | 0.5039% | 2,956 |
| Noninterest expense to average assets | 3.1620% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4154% | 4,908 |
| Return on assets (ROA) | 0.4154% | 4,931 |
| Pretax return on assets | 0.4962% | 4,975 |
| Return on Equity (ROE) | 4.2128% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.2128% | 3,348 |
| Net charge-offs to loans | -0.0333% | 4,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4353% | 769 |
| Assets per employee ($millions) | 4.0780% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 1,621 |
| Loan loss allowance to noncurrent loans | 46.7302% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 1,087 |
| Noncurrent loans to loans | 3.2550% | 392 |
| Net loans and leases to total assets | 44.9419% | 4,989 |
| Net loans and leases to deposits | 50.1189% | 5,127 |
| Net loans and leases to core deposits | 50.9315% | 5,191 |
| Total domestic deposits to total assets | 89.6707% | 812 |
| Equity capital to assets | 9.8229% | 3,952 |
| Core capital (leverage) ratio | 10.0307% | 3,458 |
| Tier 1 risk-based capital ratio | 16.4899% | 2,364 |
| Total risk-based capital ratio | 17.4402% | 2,420 |
| Memoranda: | ||
| Average total assets | $103,985,000 | 4,281 |
| Average earning assets | $97,257,500 | 4,252 |
| Average equity | $10,254,500 | 4,504 |
| Average total loans | $48,062,500 | 4,623 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,646 |
| Cost of funding earning assets | 0.4481% | 2,556 |
| Net interest margin | 3.4321% | 3,700 |
| Noninterest income to average assets | 0.5042% | 3,213 |
| Noninterest expense to average assets | 3.2501% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3771% | 5,015 |
| Return on assets (ROA) | 0.4740% | 4,808 |
| Pretax return on assets | 0.5870% | 4,823 |
| Return on Equity (ROE) | 4.6464% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.5015% | 3,437 |
| Net charge-offs to loans | 3.0521% | 39 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.3213% | 4,114 |
| Efficiency ratio | 87.4313% | 722 |
| Assets per employee ($millions) | 3.7756% | 4,354 |
| Cash dividends to net income (ytd only)* | 24.6407% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,551 |
| Loan loss allowance to noncurrent loans | 1,559.5745% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,155 |
| Noncurrent loans to loans | 0.0985% | 4,844 |
| Net loans and leases to total assets | 46.1096% | 5,010 |
| Net loans and leases to deposits | 51.4458% | 5,148 |
| Net loans and leases to core deposits | 52.3150% | 5,215 |
| Total domestic deposits to total assets | 89.6274% | 809 |
| Equity capital to assets | 9.9017% | 3,814 |
| Core capital (leverage) ratio | 10.1628% | 3,280 |
| Tier 1 risk-based capital ratio | 16.5888% | 2,308 |
| Total risk-based capital ratio | 17.5538% | 2,363 |
| Memoranda: | ||
| Average total assets | $102,733,800 | 4,310 |
| Average earning assets | $96,179,000 | 4,271 |
| Average equity | $10,481,200 | 4,496 |
| Average total loans | $48,949,200 | 4,599 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 3,633 |
| Cost of funding earning assets | 0.4509% | 2,554 |
| Net interest margin | 3.4357% | 3,723 |
| Noninterest income to average assets | 0.5039% | 3,222 |
| Noninterest expense to average assets | 3.2500% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3826% | 5,080 |
| Return on assets (ROA) | 0.5116% | 4,754 |
| Pretax return on assets | 0.6308% | 4,800 |
| Return on Equity (ROE) | 4.9787% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.9787% | 2,846 |
| Net charge-offs to loans | 4.0417% | 23 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.2438% | 3,809 |
| Efficiency ratio | 87.3303% | 716 |
| Assets per employee ($millions) | 3.8044% | 4,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 1,620 |
| Loan loss allowance to noncurrent loans | 2,823.0769% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,403 |
| Noncurrent loans to loans | 0.0548% | 5,135 |
| Net loans and leases to total assets | 45.4975% | 5,119 |
| Net loans and leases to deposits | 51.2726% | 5,241 |
| Net loans and leases to core deposits | 52.1514% | 5,310 |
| Total domestic deposits to total assets | 88.7364% | 1,029 |
| Equity capital to assets | 10.5471% | 3,513 |
| Core capital (leverage) ratio | 10.3251% | 3,198 |
| Tier 1 risk-based capital ratio | 17.4837% | 2,085 |
| Total risk-based capital ratio | 18.4672% | 2,118 |
| Memoranda: | ||
| Average total assets | $102,931,750 | 4,342 |
| Average earning assets | $96,397,500 | 4,297 |
| Average equity | $10,578,000 | 4,525 |
| Average total loans | $49,252,000 | 4,640 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 3,601 |
| Cost of funding earning assets | 0.4543% | 2,531 |
| Net interest margin | 3.4478% | 3,696 |
| Noninterest income to average assets | 0.4971% | 3,214 |
| Noninterest expense to average assets | 3.2582% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3223% | 5,257 |
| Return on assets (ROA) | 0.5514% | 4,587 |
| Pretax return on assets | 0.6951% | 4,630 |
| Return on Equity (ROE) | 5.4133% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.4133% | 2,475 |
| Net charge-offs to loans | 5.9623% | 10 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.1615% | 3,547 |
| Efficiency ratio | 87.4870% | 754 |
| Assets per employee ($millions) | 3.8037% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 45.9601% | 5,127 |
| Net loans and leases to deposits | 51.7311% | 5,257 |
| Net loans and leases to core deposits | 52.6157% | 5,341 |
| Total domestic deposits to total assets | 88.8442% | 990 |
| Equity capital to assets | 10.4654% | 3,674 |
| Core capital (leverage) ratio | 10.1486% | 3,386 |
| Tier 1 risk-based capital ratio | 17.0659% | 2,193 |
| Total risk-based capital ratio | 18.0447% | 2,263 |
| Memoranda: | ||
| Average total assets | $103,002,330 | 4,368 |
| Average earning assets | $96,409,000 | 4,339 |
| Average equity | $10,492,670 | 4,570 |
| Average total loans | $49,846,330 | 4,653 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,443 |
| Cost of funding earning assets | 0.4606% | 2,460 |
| Net interest margin | 3.4772% | 3,566 |
| Noninterest income to average assets | 0.4808% | 3,253 |
| Noninterest expense to average assets | 3.3154% | 1,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2172% | 5,495 |
| Return on assets (ROA) | 0.6592% | 4,056 |
| Pretax return on assets | 0.8570% | 4,016 |
| Return on Equity (ROE) | 6.5605% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.5605% | 2,100 |
| Net charge-offs to loans | 0.0945% | 1,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 2,023 |
| Efficiency ratio | 88.8773% | 754 |
| Assets per employee ($millions) | 3.8312% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4093% | 67 |
| Loan loss allowance to noncurrent loans | 143.9532% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 1,377 |
| Noncurrent loans to loans | 3.0630% | 520 |
| Net loans and leases to total assets | 46.4004% | 5,088 |
| Net loans and leases to deposits | 51.9875% | 5,231 |
| Net loans and leases to core deposits | 52.8630% | 5,317 |
| Total domestic deposits to total assets | 89.2530% | 971 |
| Equity capital to assets | 10.0886% | 3,962 |
| Core capital (leverage) ratio | 9.8964% | 3,665 |
| Tier 1 risk-based capital ratio | 16.0568% | 2,659 |
| Total risk-based capital ratio | 17.0097% | 2,735 |
| Memoranda: | ||
| Average total assets | $103,153,500 | 4,407 |
| Average earning assets | $96,400,000 | 4,373 |
| Average equity | $10,365,000 | 4,601 |
| Average total loans | $50,799,000 | 4,652 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 3,798 |
| Cost of funding earning assets | 0.4966% | 2,184 |
| Net interest margin | 3.3757% | 4,011 |
| Noninterest income to average assets | 0.3239% | 4,579 |
| Noninterest expense to average assets | 3.3518% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1392% | 5,702 |
| Return on assets (ROA) | 0.2823% | 5,486 |
| Pretax return on assets | 0.2630% | 5,592 |
| Return on Equity (ROE) | 2.5898% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.5255% | 4,851 |
| Net charge-offs to loans | -0.2261% | 5,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5469% | 381 |
| Assets per employee ($millions) | 3.7067% | 4,459 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,588 |
| Loan loss allowance to noncurrent loans | 1,558.4906% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,474 |
| Noncurrent loans to loans | 0.1031% | 5,086 |
| Net loans and leases to total assets | 48.7147% | 4,965 |
| Net loans and leases to deposits | 54.9918% | 5,112 |
| Net loans and leases to core deposits | 55.9212% | 5,207 |
| Total domestic deposits to total assets | 88.5854% | 1,335 |
| Equity capital to assets | 10.8086% | 3,020 |
| Core capital (leverage) ratio | 11.2260% | 2,182 |
| Tier 1 risk-based capital ratio | 17.6291% | 2,084 |
| Total risk-based capital ratio | 18.6002% | 2,117 |
| Memoranda: | ||
| Average total assets | $103,438,400 | 4,397 |
| Average earning assets | $96,455,200 | 4,383 |
| Average equity | $11,275,200 | 4,429 |
| Average total loans | $48,661,200 | 4,714 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 3,987 |
| Cost of funding earning assets | 0.5058% | 2,162 |
| Net interest margin | 3.3275% | 4,227 |
| Noninterest income to average assets | 0.4993% | 3,366 |
| Noninterest expense to average assets | 3.2677% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2833% | 5,506 |
| Return on assets (ROA) | 0.4464% | 5,077 |
| Pretax return on assets | 0.5186% | 5,175 |
| Return on Equity (ROE) | 4.0863% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.0863% | 3,550 |
| Net charge-offs to loans | 0.1584% | 1,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.4736% | 3,346 |
| Efficiency ratio | 90.8537% | 639 |
| Assets per employee ($millions) | 3.6476% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,879 |
| Loan loss allowance to noncurrent loans | 60.9982% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 2.3381% | 772 |
| Noncurrent loans to loans | 2.2068% | 996 |
| Net loans and leases to total assets | 47.3603% | 5,126 |
| Net loans and leases to deposits | 53.8023% | 5,263 |
| Net loans and leases to core deposits | 54.7412% | 5,370 |
| Total domestic deposits to total assets | 88.0265% | 1,538 |
| Equity capital to assets | 11.1647% | 2,830 |
| Core capital (leverage) ratio | 11.3093% | 2,185 |
| Tier 1 risk-based capital ratio | 18.7337% | 1,841 |
| Total risk-based capital ratio | 19.7143% | 1,873 |
| Memoranda: | ||
| Average total assets | $103,351,000 | 4,444 |
| Average earning assets | $96,204,750 | 4,432 |
| Average equity | $11,289,500 | 4,479 |
| Average total loans | $47,980,000 | 4,785 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,214 |
| Cost of funding earning assets | 0.5057% | 2,200 |
| Net interest margin | 3.2532% | 4,485 |
| Noninterest income to average assets | 0.4838% | 3,476 |
| Noninterest expense to average assets | 3.0996% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3433% | 5,316 |
| Return on assets (ROA) | 0.5744% | 4,553 |
| Pretax return on assets | 0.7074% | 4,632 |
| Return on Equity (ROE) | 5.2970% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.2970% | 2,674 |
| Net charge-offs to loans | 0.3527% | 749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.6071% | 3,313 |
| Efficiency ratio | 88.0131% | 907 |
| Assets per employee ($millions) | 3.7813% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 3,134 |
| Loan loss allowance to noncurrent loans | 26.8790% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.4604% | 776 |
| Noncurrent loans to loans | 4.9114% | 238 |
| Net loans and leases to total assets | 44.6910% | 5,337 |
| Net loans and leases to deposits | 50.4456% | 5,481 |
| Net loans and leases to core deposits | 51.2888% | 5,564 |
| Total domestic deposits to total assets | 88.5923% | 1,365 |
| Equity capital to assets | 10.5822% | 3,352 |
| Core capital (leverage) ratio | 10.6722% | 2,766 |
| Tier 1 risk-based capital ratio | 17.9681% | 2,068 |
| Total risk-based capital ratio | 18.9239% | 2,115 |
| Memoranda: | ||
| Average total assets | $103,756,670 | 4,472 |
| Average earning assets | $96,890,670 | 4,447 |
| Average equity | $11,251,670 | 4,522 |
| Average total loans | $47,629,670 | 4,830 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,217 |
| Cost of funding earning assets | 0.5201% | 2,112 |
| Net interest margin | 3.2243% | 4,504 |
| Noninterest income to average assets | 0.4596% | 3,575 |
| Noninterest expense to average assets | 2.9563% | 2,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3756% | 5,160 |
| Return on assets (ROA) | 0.7907% | 3,448 |
| Pretax return on assets | 1.0984% | 3,086 |
| Return on Equity (ROE) | 7.2015% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.2015% | 1,922 |
| Net charge-offs to loans | 0.4803% | 519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.3509% | 2,774 |
| Efficiency ratio | 84.9944% | 1,270 |
| Assets per employee ($millions) | 3.9587% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 2,923 |
| Loan loss allowance to noncurrent loans | 27.6266% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 2.5640% | 827 |
| Noncurrent loans to loans | 5.0635% | 260 |
| Net loans and leases to total assets | 45.1981% | 5,255 |
| Net loans and leases to deposits | 51.3103% | 5,372 |
| Net loans and leases to core deposits | 52.1957% | 5,478 |
| Total domestic deposits to total assets | 88.0877% | 1,768 |
| Equity capital to assets | 11.0515% | 2,918 |
| Core capital (leverage) ratio | 11.0807% | 2,333 |
| Tier 1 risk-based capital ratio | 18.6334% | 1,965 |
| Total risk-based capital ratio | 19.5822% | 2,010 |
| Memoranda: | ||
| Average total assets | $102,697,000 | 4,535 |
| Average earning assets | $96,143,500 | 4,500 |
| Average equity | $11,275,500 | 4,548 |
| Average total loans | $47,469,500 | 4,870 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 3,034 |
| Cost of funding earning assets | 0.5771% | 1,983 |
| Net interest margin | 3.5966% | 3,424 |
| Noninterest income to average assets | 0.4975% | 3,533 |
| Noninterest expense to average assets | 3.1893% | 2,242 |
| Loan and lease loss provision to assets | 0.1481% | 1,776 |
| Net operating income to assets | 0.4168% | 5,169 |
| Return on assets (ROA) | 0.5686% | 4,601 |
| Pretax return on assets | 0.6752% | 4,708 |
| Return on Equity (ROE) | 5.2631% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.1666% | 3,231 |
| Net charge-offs to loans | 0.5180% | 789 |
| Credit loss provision to net charge-offs | 59.0551% | 3,304 |
| Earnings coverage of net charge-offs (x) | 2.5630% | 4,121 |
| Efficiency ratio | 83.2303% | 1,491 |
| Assets per employee ($millions) | 3.9410% | 4,080 |
| Cash dividends to net income (ytd only)* | 20.8333% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 2,464 |
| Loan loss allowance to noncurrent loans | 65.1818% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.3175% | 2,135 |
| Noncurrent loans to loans | 2.3033% | 1,130 |
| Net loans and leases to total assets | 45.9084% | 5,329 |
| Net loans and leases to deposits | 52.0118% | 5,481 |
| Net loans and leases to core deposits | 52.9115% | 5,571 |
| Total domestic deposits to total assets | 88.2655% | 1,631 |
| Equity capital to assets | 10.9069% | 3,000 |
| Core capital (leverage) ratio | 11.0174% | 2,398 |
| Tier 1 risk-based capital ratio | 18.3196% | 2,047 |
| Total risk-based capital ratio | 19.3228% | 2,078 |
| Memoranda: | ||
| Average total assets | $101,308,800 | 4,572 |
| Average earning assets | $93,922,600 | 4,554 |
| Average equity | $10,944,200 | 4,573 |
| Average total loans | $49,033,400 | 4,853 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 3,179 |
| Cost of funding earning assets | 0.5778% | 2,037 |
| Net interest margin | 3.5696% | 3,555 |
| Noninterest income to average assets | 0.4949% | 3,579 |
| Noninterest expense to average assets | 3.1228% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5821% | 4,526 |
| Return on assets (ROA) | 0.5821% | 4,612 |
| Pretax return on assets | 0.6744% | 4,783 |
| Return on Equity (ROE) | 5.4012% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.4012% | 2,825 |
| Net charge-offs to loans | 0.0270% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 51.1118% | 964 |
| Efficiency ratio | 82.2384% | 1,585 |
| Assets per employee ($millions) | 3.9268% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 2,153 |
| Loan loss allowance to noncurrent loans | 307.1970% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 4,375 |
| Noncurrent loans to loans | 0.5353% | 4,331 |
| Net loans and leases to total assets | 47.5078% | 5,244 |
| Net loans and leases to deposits | 53.9323% | 5,396 |
| Net loans and leases to core deposits | 54.8787% | 5,512 |
| Total domestic deposits to total assets | 88.0878% | 1,716 |
| Equity capital to assets | 10.8779% | 3,089 |
| Core capital (leverage) ratio | 11.1167% | 2,379 |
| Tier 1 risk-based capital ratio | 18.0165% | 2,204 |
| Total risk-based capital ratio | 18.9966% | 2,259 |
| Memoranda: | ||
| Average total assets | $101,019,250 | 4,622 |
| Average earning assets | $93,454,750 | 4,610 |
| Average equity | $10,886,250 | 4,617 |
| Average total loans | $49,352,250 | 4,886 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 3,197 |
| Cost of funding earning assets | 0.5840% | 2,038 |
| Net interest margin | 3.5533% | 3,557 |
| Noninterest income to average assets | 0.4788% | 3,642 |
| Noninterest expense to average assets | 3.1075% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5603% | 4,543 |
| Return on assets (ROA) | 0.5603% | 4,649 |
| Pretax return on assets | 0.6477% | 4,795 |
| Return on Equity (ROE) | 5.2159% | 4,575 |
| Retained earnings to average equity (ytd only) | 5.2159% | 2,820 |
| Net charge-offs to loans | 0.0041% | 4,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 214 |
| Efficiency ratio | 82.7513% | 1,663 |
| Assets per employee ($millions) | 3.7599% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 2,368 |
| Loan loss allowance to noncurrent loans | 302.5830% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 4,466 |
| Noncurrent loans to loans | 0.5377% | 4,396 |
| Net loans and leases to total assets | 48.8367% | 5,100 |
| Net loans and leases to deposits | 55.3635% | 5,248 |
| Net loans and leases to core deposits | 56.1479% | 5,401 |
| Total domestic deposits to total assets | 88.2110% | 1,784 |
| Equity capital to assets | 10.7794% | 3,116 |
| Core capital (leverage) ratio | 11.0261% | 2,401 |
| Tier 1 risk-based capital ratio | 17.5376% | 2,400 |
| Total risk-based capital ratio | 18.5271% | 2,464 |
| Memoranda: | ||
| Average total assets | $100,660,000 | 4,672 |
| Average earning assets | $92,815,670 | 4,663 |
| Average equity | $10,813,000 | 4,650 |
| Average total loans | $49,364,670 | 4,910 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 3,070 |
| Cost of funding earning assets | 0.5892% | 2,072 |
| Net interest margin | 3.5610% | 3,428 |
| Noninterest income to average assets | 0.4310% | 3,942 |
| Noninterest expense to average assets | 3.0410% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5787% | 4,306 |
| Return on assets (ROA) | 0.5787% | 4,376 |
| Pretax return on assets | 0.6705% | 4,595 |
| Return on Equity (ROE) | 5.3964% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.3964% | 2,855 |
| Net charge-offs to loans | 0.0164% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 521 |
| Efficiency ratio | 81.9355% | 1,933 |
| Assets per employee ($millions) | 3.7434% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 2,419 |
| Loan loss allowance to noncurrent loans | 190.4651% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 4,100 |
| Noncurrent loans to loans | 0.8820% | 3,677 |
| Net loans and leases to total assets | 47.4261% | 5,196 |
| Net loans and leases to deposits | 53.7015% | 5,315 |
| Net loans and leases to core deposits | 54.4623% | 5,468 |
| Total domestic deposits to total assets | 88.3144% | 2,047 |
| Equity capital to assets | 10.6814% | 3,063 |
| Core capital (leverage) ratio | 11.1410% | 2,269 |
| Tier 1 risk-based capital ratio | 17.6728% | 2,424 |
| Total risk-based capital ratio | 18.6487% | 2,485 |
| Memoranda: | ||
| Average total assets | $100,231,000 | 4,731 |
| Average earning assets | $92,333,500 | 4,715 |
| Average equity | $10,748,000 | 4,680 |
| Average total loans | $48,848,000 | 4,974 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 2,321 |
| Cost of funding earning assets | 0.7125% | 1,727 |
| Net interest margin | 3.7576% | 2,812 |
| Noninterest income to average assets | 0.6426% | 2,846 |
| Noninterest expense to average assets | 3.5053% | 1,635 |
| Loan and lease loss provision to assets | 0.0509% | 4,119 |
| Net operating income to assets | 0.3806% | 5,215 |
| Return on assets (ROA) | 0.4919% | 4,902 |
| Pretax return on assets | 0.5173% | 5,151 |
| Return on Equity (ROE) | 4.4483% | 4,912 |
| Retained earnings to average equity (ytd only) | 3.3431% | 3,852 |
| Net charge-offs to loans | 0.0382% | 4,697 |
| Credit loss provision to net charge-offs | 263.1579% | 862 |
| Earnings coverage of net charge-offs (x) | 23.3158% | 1,414 |
| Efficiency ratio | 88.5972% | 1,156 |
| Assets per employee ($millions) | 3.6811% | 4,523 |
| Cash dividends to net income (ytd only)* | 24.8447% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 2,474 |
| Loan loss allowance to noncurrent loans | 189.1705% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8753% | 3,702 |
| Noncurrent loans to loans | 0.8868% | 3,770 |
| Net loans and leases to total assets | 48.4168% | 5,251 |
| Net loans and leases to deposits | 54.9207% | 5,389 |
| Net loans and leases to core deposits | 55.7137% | 5,556 |
| Total domestic deposits to total assets | 88.1576% | 2,086 |
| Equity capital to assets | 10.7658% | 2,861 |
| Core capital (leverage) ratio | 11.1094% | 2,281 |
| Tier 1 risk-based capital ratio | 17.3881% | 2,458 |
| Total risk-based capital ratio | 18.3632% | 2,532 |
| Memoranda: | ||
| Average total assets | $98,195,200 | 4,789 |
| Average earning assets | $86,597,600 | 4,865 |
| Average equity | $10,858,200 | 4,663 |
| Average total loans | $49,724,200 | 4,966 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 2,235 |
| Cost of funding earning assets | 0.7388% | 1,673 |
| Net interest margin | 3.7595% | 2,802 |
| Noninterest income to average assets | 0.6878% | 2,678 |
| Noninterest expense to average assets | 3.5451% | 1,509 |
| Loan and lease loss provision to assets | 0.0681% | 3,693 |
| Net operating income to assets | 0.3465% | 5,447 |
| Return on assets (ROA) | 0.4985% | 4,963 |
| Pretax return on assets | 0.5162% | 5,307 |
| Return on Equity (ROE) | 4.4779% | 4,988 |
| Retained earnings to average equity (ytd only) | 4.4779% | 3,483 |
| Net charge-offs to loans | -0.0027% | 5,709 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2355% | 1,063 |
| Assets per employee ($millions) | 3.6341% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 2,676 |
| Loan loss allowance to noncurrent loans | 165.2259% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 3,739 |
| Noncurrent loans to loans | 1.0201% | 3,763 |
| Net loans and leases to total assets | 49.9980% | 5,131 |
| Net loans and leases to deposits | 56.9508% | 5,285 |
| Net loans and leases to core deposits | 58.0019% | 5,452 |
| Total domestic deposits to total assets | 87.7915% | 2,254 |
| Equity capital to assets | 10.9427% | 2,813 |
| Core capital (leverage) ratio | 11.1508% | 2,341 |
| Tier 1 risk-based capital ratio | 17.2671% | 2,598 |
| Total risk-based capital ratio | 18.2760% | 2,660 |
| Memoranda: | ||
| Average total assets | $97,896,750 | 4,835 |
| Average earning assets | $85,540,250 | 4,940 |
| Average equity | $10,897,750 | 4,707 |
| Average total loans | $49,919,750 | 5,010 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,999 |
| Cost of funding earning assets | 0.7757% | 1,550 |
| Net interest margin | 3.7834% | 2,620 |
| Noninterest income to average assets | 0.7687% | 2,335 |
| Noninterest expense to average assets | 3.6290% | 1,367 |
| Loan and lease loss provision to assets | 0.1022% | 3,087 |
| Net operating income to assets | 0.2883% | 5,638 |
| Return on assets (ROA) | 0.5091% | 4,927 |
| Pretax return on assets | 0.5091% | 5,339 |
| Return on Equity (ROE) | 4.5474% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.5474% | 3,372 |
| Net charge-offs to loans | -0.0240% | 6,033 |
| Credit loss provision to net charge-offs | -833.3333% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2848% | 1,039 |
| Assets per employee ($millions) | 3.8226% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 2,786 |
| Loan loss allowance to noncurrent loans | 180.7692% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 3,908 |
| Noncurrent loans to loans | 0.9388% | 4,045 |
| Net loans and leases to total assets | 49.3068% | 5,184 |
| Net loans and leases to deposits | 56.2242% | 5,314 |
| Net loans and leases to core deposits | 57.2495% | 5,502 |
| Total domestic deposits to total assets | 87.6967% | 2,445 |
| Equity capital to assets | 10.9832% | 2,770 |
| Core capital (leverage) ratio | 10.8382% | 2,517 |
| Tier 1 risk-based capital ratio | 16.8620% | 2,764 |
| Total risk-based capital ratio | 17.8343% | 2,858 |
| Memoranda: | ||
| Average total assets | $97,822,330 | 4,865 |
| Average earning assets | $84,050,330 | 5,005 |
| Average equity | $10,951,330 | 4,735 |
| Average total loans | $49,926,670 | 5,026 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,828 |
| Cost of funding earning assets | 0.7877% | 1,598 |
| Net interest margin | 3.8098% | 2,409 |
| Noninterest income to average assets | 1.0305% | 1,398 |
| Noninterest expense to average assets | 4.0107% | 876 |
| Loan and lease loss provision to assets | 0.2061% | 1,804 |
| Net operating income to assets | 0.1195% | 6,114 |
| Return on assets (ROA) | 0.5647% | 4,537 |
| Pretax return on assets | 0.5482% | 5,118 |
| Return on Equity (ROE) | 4.9959% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.9959% | 3,237 |
| Net charge-offs to loans | -0.0080% | 5,374 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8435% | 915 |
| Assets per employee ($millions) | 3.5562% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 3,205 |
| Loan loss allowance to noncurrent loans | 4,947.0588% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 5,169 |
| Noncurrent loans to loans | 0.0333% | 6,395 |
| Net loans and leases to total assets | 50.4253% | 4,928 |
| Net loans and leases to deposits | 57.8723% | 5,056 |
| Net loans and leases to core deposits | 58.9292% | 5,255 |
| Total domestic deposits to total assets | 87.1321% | 2,881 |
| Equity capital to assets | 11.2862% | 2,649 |
| Core capital (leverage) ratio | 10.9696% | 2,289 |
| Tier 1 risk-based capital ratio | 16.6335% | 2,935 |
| Total risk-based capital ratio | 17.6262% | 3,021 |
| Memoranda: | ||
| Average total assets | $97,039,500 | 4,925 |
| Average earning assets | $83,784,000 | 5,050 |
| Average equity | $10,969,000 | 4,777 |
| Average total loans | $49,964,500 | 5,062 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 1,852 |
| Cost of funding earning assets | 0.9722% | 1,513 |
| Net interest margin | 3.9234% | 2,729 |
| Noninterest income to average assets | 0.5032% | 3,875 |
| Noninterest expense to average assets | 3.5058% | 1,802 |
| Loan and lease loss provision to assets | 0.1355% | 3,931 |
| Net operating income to assets | 0.3730% | 5,212 |
| Return on assets (ROA) | 0.3730% | 5,441 |
| Pretax return on assets | 0.3173% | 5,786 |
| Return on Equity (ROE) | 3.3482% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.2164% | 4,679 |
| Net charge-offs to loans | 0.3099% | 3,093 |
| Credit loss provision to net charge-offs | 81.6456% | 3,776 |
| Earnings coverage of net charge-offs (x) | 2.7278% | 4,066 |
| Efficiency ratio | 88.5616% | 1,190 |
| Assets per employee ($millions) | 3.5002% | 5,003 |
| Cash dividends to net income (ytd only)* | 33.8028% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6163% | 3,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 4,069 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.8835% | 5,053 |
| Net loans and leases to deposits | 58.9357% | 5,134 |
| Net loans and leases to core deposits | 59.8571% | 5,376 |
| Total domestic deposits to total assets | 86.3374% | 3,179 |
| Equity capital to assets | 11.3220% | 2,608 |
| Core capital (leverage) ratio | 11.0379% | 2,225 |
| Tier 1 risk-based capital ratio | 17.3069% | 2,522 |
| Total risk-based capital ratio | 18.3109% | 2,588 |
| Memoranda: | ||
| Average total assets | $95,185,800 | 4,958 |
| Average earning assets | $83,830,800 | 5,022 |
| Average equity | $10,602,600 | 4,843 |
| Average total loans | $50,976,000 | 5,067 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 1,851 |
| Cost of funding earning assets | 1.0109% | 1,493 |
| Net interest margin | 3.9327% | 2,790 |
| Noninterest income to average assets | 0.5523% | 3,598 |
| Noninterest expense to average assets | 3.5012% | 1,757 |
| Loan and lease loss provision to assets | 0.1804% | 3,333 |
| Net operating income to assets | 0.3691% | 5,375 |
| Return on assets (ROA) | 0.3691% | 5,576 |
| Pretax return on assets | 0.3468% | 5,853 |
| Return on Equity (ROE) | 3.3275% | 5,562 |
| Retained earnings to average equity (ytd only) | 3.3275% | 4,528 |
| Net charge-offs to loans | 0.5359% | 1,996 |
| Credit loss provision to net charge-offs | 62.3188% | 4,093 |
| Earnings coverage of net charge-offs (x) | 1.8213% | 4,352 |
| Efficiency ratio | 86.9143% | 1,310 |
| Assets per employee ($millions) | 3.4913% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5447% | 3,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 3,981 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 50.1008% | 5,302 |
| Net loans and leases to deposits | 58.4223% | 5,385 |
| Net loans and leases to core deposits | 59.5794% | 5,601 |
| Total domestic deposits to total assets | 85.7563% | 3,385 |
| Equity capital to assets | 11.4803% | 2,763 |
| Core capital (leverage) ratio | 11.0275% | 2,354 |
| Tier 1 risk-based capital ratio | 17.5881% | 2,503 |
| Total risk-based capital ratio | 18.5872% | 2,560 |
| Memoranda: | ||
| Average total assets | $95,355,750 | 5,008 |
| Average earning assets | $84,283,500 | 5,066 |
| Average equity | $10,578,250 | 4,894 |
| Average total loans | $51,500,500 | 5,099 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 1,964 |
| Cost of funding earning assets | 1.0421% | 1,510 |
| Net interest margin | 3.8973% | 2,914 |
| Noninterest income to average assets | 0.5558% | 3,552 |
| Noninterest expense to average assets | 3.4664% | 1,865 |
| Loan and lease loss provision to assets | 0.2695% | 2,430 |
| Net operating income to assets | 0.3636% | 5,360 |
| Return on assets (ROA) | 0.3636% | 5,586 |
| Pretax return on assets | 0.2737% | 6,010 |
| Return on Equity (ROE) | 3.3152% | 5,553 |
| Retained earnings to average equity (ytd only) | 3.3152% | 4,395 |
| Net charge-offs to loans | 0.5505% | 1,942 |
| Credit loss provision to net charge-offs | 88.9655% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.7931% | 4,081 |
| Efficiency ratio | 86.4513% | 1,387 |
| Assets per employee ($millions) | 3.5764% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,555 |
| Loan loss allowance to noncurrent loans | 257.3718% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 1.4892% | 3,467 |
| Noncurrent loans to loans | 0.6268% | 5,259 |
| Net loans and leases to total assets | 50.7156% | 5,262 |
| Net loans and leases to deposits | 58.8795% | 5,358 |
| Net loans and leases to core deposits | 60.0115% | 5,588 |
| Total domestic deposits to total assets | 86.1346% | 3,289 |
| Equity capital to assets | 11.0466% | 3,066 |
| Core capital (leverage) ratio | 10.8127% | 2,465 |
| Tier 1 risk-based capital ratio | 16.9430% | 2,691 |
| Total risk-based capital ratio | 17.9493% | 2,760 |
| Memoranda: | ||
| Average total assets | $95,719,000 | 5,015 |
| Average earning assets | $84,827,670 | 5,082 |
| Average equity | $10,497,000 | 4,911 |
| Average total loans | $52,677,670 | 5,075 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 2,017 |
| Cost of funding earning assets | 1.0707% | 1,551 |
| Net interest margin | 3.8948% | 2,950 |
| Noninterest income to average assets | 0.5834% | 3,334 |
| Noninterest expense to average assets | 3.6056% | 1,548 |
| Loan and lease loss provision to assets | 0.5415% | 1,094 |
| Net operating income to assets | -0.0420% | 6,474 |
| Return on assets (ROA) | -0.0420% | 6,570 |
| Pretax return on assets | -0.0672% | 6,579 |
| Return on Equity (ROE) | -0.3842% | 6,575 |
| Retained earnings to average equity (ytd only) | -0.3842% | 6,062 |
| Net charge-offs to loans | 1.0272% | 1,010 |
| Credit loss provision to net charge-offs | 92.8058% | 2,498 |
| Earnings coverage of net charge-offs (x) | 0.8129% | 3,928 |
| Efficiency ratio | 88.3745% | 1,234 |
| Assets per employee ($millions) | 3.7484% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 4,103 |
| Loan loss allowance to noncurrent loans | 119.2931% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 1.8521% | 3,112 |
| Noncurrent loans to loans | 1.2663% | 4,212 |
| Net loans and leases to total assets | 54.1889% | 4,688 |
| Net loans and leases to deposits | 62.7661% | 4,802 |
| Net loans and leases to core deposits | 63.9556% | 5,121 |
| Total domestic deposits to total assets | 86.3348% | 3,339 |
| Equity capital to assets | 10.6578% | 3,313 |
| Core capital (leverage) ratio | 10.7472% | 2,500 |
| Tier 1 risk-based capital ratio | 15.8566% | 3,245 |
| Total risk-based capital ratio | 17.1033% | 3,222 |
| Memoranda: | ||
| Average total assets | $95,296,500 | 5,050 |
| Average earning assets | $85,549,000 | 5,099 |
| Average equity | $10,412,000 | 4,937 |
| Average total loans | $54,128,500 | 5,063 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 1,967 |
| Cost of funding earning assets | 1.2529% | 1,721 |
| Net interest margin | 3.9715% | 3,018 |
| Noninterest income to average assets | 0.5295% | 3,654 |
| Noninterest expense to average assets | 3.5898% | 1,765 |
| Loan and lease loss provision to assets | 0.2948% | 3,306 |
| Net operating income to assets | 0.3000% | 5,251 |
| Return on assets (ROA) | 0.3284% | 5,304 |
| Pretax return on assets | 0.2674% | 5,639 |
| Return on Equity (ROE) | 3.0257% | 5,275 |
| Retained earnings to average equity (ytd only) | 1.9008% | 4,849 |
| Net charge-offs to loans | 0.5425% | 2,843 |
| Credit loss provision to net charge-offs | 93.3333% | 3,862 |
| Earnings coverage of net charge-offs (x) | 1.6900% | 4,505 |
| Efficiency ratio | 87.0564% | 1,434 |
| Assets per employee ($millions) | 3.4494% | 5,136 |
| Cash dividends to net income (ytd only)* | 37.1795% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 4,033 |
| Loan loss allowance to noncurrent loans | 73.4529% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.8307% | 3,214 |
| Noncurrent loans to loans | 2.0408% | 3,154 |
| Net loans and leases to total assets | 57.7834% | 4,414 |
| Net loans and leases to deposits | 67.4589% | 4,517 |
| Net loans and leases to core deposits | 68.8087% | 4,932 |
| Total domestic deposits to total assets | 85.6572% | 3,508 |
| Equity capital to assets | 11.2064% | 2,790 |
| Core capital (leverage) ratio | 10.9221% | 2,329 |
| Tier 1 risk-based capital ratio | 16.5669% | 2,792 |
| Total risk-based capital ratio | 17.8216% | 2,760 |
| Memoranda: | ||
| Average total assets | $94,992,600 | 5,045 |
| Average earning assets | $85,963,200 | 5,057 |
| Average equity | $10,311,600 | 4,942 |
| Average total loans | $55,303,400 | 5,059 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2537% | 2,012 |
| Cost of funding earning assets | 1.2819% | 1,808 |
| Net interest margin | 3.9718% | 3,039 |
| Noninterest income to average assets | 0.5210% | 3,716 |
| Noninterest expense to average assets | 3.3634% | 2,299 |
| Loan and lease loss provision to assets | 0.2654% | 3,386 |
| Net operating income to assets | 0.4528% | 4,761 |
| Return on assets (ROA) | 0.4553% | 4,940 |
| Pretax return on assets | 0.5000% | 5,159 |
| Return on Equity (ROE) | 4.2281% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.2281% | 3,721 |
| Net charge-offs to loans | 0.3870% | 3,182 |
| Credit loss provision to net charge-offs | 118.0124% | 2,763 |
| Earnings coverage of net charge-offs (x) | 3.3913% | 3,453 |
| Efficiency ratio | 81.5166% | 2,038 |
| Assets per employee ($millions) | 3.2656% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 3,812 |
| Loan loss allowance to noncurrent loans | 76.8347% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.0517% | 3,073 |
| Noncurrent loans to loans | 2.0405% | 3,314 |
| Net loans and leases to total assets | 57.6112% | 4,562 |
| Net loans and leases to deposits | 67.7322% | 4,658 |
| Net loans and leases to core deposits | 68.7565% | 5,092 |
| Total domestic deposits to total assets | 85.0573% | 3,744 |
| Equity capital to assets | 11.3651% | 2,805 |
| Core capital (leverage) ratio | 11.0375% | 2,357 |
| Tier 1 risk-based capital ratio | 16.4037% | 2,910 |
| Total risk-based capital ratio | 17.6700% | 2,871 |
| Memoranda: | ||
| Average total assets | $95,457,250 | 5,062 |
| Average earning assets | $86,641,750 | 5,075 |
| Average equity | $10,280,250 | 4,972 |
| Average total loans | $55,470,500 | 5,096 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 2,635 |
| Cost of funding earning assets | 1.3085% | 1,885 |
| Net interest margin | 3.8010% | 3,781 |
| Noninterest income to average assets | 0.5036% | 3,831 |
| Noninterest expense to average assets | 3.3372% | 2,441 |
| Loan and lease loss provision to assets | 0.2090% | 3,827 |
| Net operating income to assets | 0.3782% | 5,042 |
| Return on assets (ROA) | 0.3782% | 5,183 |
| Pretax return on assets | 0.4054% | 5,379 |
| Return on Equity (ROE) | 3.5773% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.5773% | 3,957 |
| Net charge-offs to loans | 0.7317% | 2,043 |
| Credit loss provision to net charge-offs | 49.2611% | 4,598 |
| Earnings coverage of net charge-offs (x) | 1.4483% | 4,201 |
| Efficiency ratio | 84.4527% | 1,764 |
| Assets per employee ($millions) | 3.3965% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,733 |
| Loan loss allowance to noncurrent loans | 78.5714% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.8401% | 3,452 |
| Noncurrent loans to loans | 1.7431% | 3,826 |
| Net loans and leases to total assets | 55.8091% | 5,025 |
| Net loans and leases to deposits | 65.5903% | 5,060 |
| Net loans and leases to core deposits | 67.3216% | 5,356 |
| Total domestic deposits to total assets | 85.0874% | 3,841 |
| Equity capital to assets | 10.9810% | 2,980 |
| Core capital (leverage) ratio | 10.5752% | 2,639 |
| Tier 1 risk-based capital ratio | 16.0592% | 2,951 |
| Total risk-based capital ratio | 17.2101% | 2,962 |
| Memoranda: | ||
| Average total assets | $95,709,000 | 5,082 |
| Average earning assets | $86,819,670 | 5,100 |
| Average equity | $10,119,330 | 5,017 |
| Average total loans | $55,484,670 | 5,150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 3,059 |
| Cost of funding earning assets | 1.3417% | 1,936 |
| Net interest margin | 3.6691% | 4,250 |
| Noninterest income to average assets | 0.4958% | 3,925 |
| Noninterest expense to average assets | 3.4120% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3999% | 4,945 |
| Return on assets (ROA) | 0.3999% | 5,036 |
| Pretax return on assets | 0.4333% | 5,237 |
| Return on Equity (ROE) | 3.8564% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.8564% | 3,860 |
| Net charge-offs to loans | -0.1562% | 7,209 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7324% | 1,439 |
| Assets per employee ($millions) | 3.5782% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 3,948 |
| Loan loss allowance to noncurrent loans | 38.0300% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 2.3434% | 2,903 |
| Noncurrent loans to loans | 4.0841% | 1,764 |
| Net loans and leases to total assets | 56.4868% | 4,912 |
| Net loans and leases to deposits | 66.0378% | 4,972 |
| Net loans and leases to core deposits | 67.4282% | 5,366 |
| Total domestic deposits to total assets | 85.5370% | 3,764 |
| Equity capital to assets | 10.4583% | 3,230 |
| Core capital (leverage) ratio | 10.6501% | 2,471 |
| Tier 1 risk-based capital ratio | 15.7758% | 3,011 |
| Total risk-based capital ratio | 17.0301% | 2,970 |
| Memoranda: | ||
| Average total assets | $96,013,000 | 5,107 |
| Average earning assets | $87,651,000 | 5,104 |
| Average equity | $9,957,500 | 5,058 |
| Average total loans | $56,321,000 | 5,159 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 4,595 |
| Cost of funding earning assets | 1.5368% | 2,428 |
| Net interest margin | 3.4567% | 5,407 |
| Noninterest income to average assets | 0.5209% | 4,018 |
| Noninterest expense to average assets | 3.6239% | 1,868 |
| Loan and lease loss provision to assets | 0.1013% | 6,133 |
| Net operating income to assets | 0.1236% | 5,531 |
| Return on assets (ROA) | 0.3932% | 4,716 |
| Pretax return on assets | 0.2473% | 5,365 |
| Return on Equity (ROE) | 3.6091% | 4,695 |
| Retained earnings to average equity (ytd only) | -6.6229% | 6,436 |
| Net charge-offs to loans | 0.0654% | 6,139 |
| Credit loss provision to net charge-offs | 277.7778% | 978 |
| Earnings coverage of net charge-offs (x) | 2.1667% | 4,094 |
| Efficiency ratio | 97.8654% | 876 |
| Assets per employee ($millions) | 3.5339% | 4,862 |
| Cash dividends to net income (ytd only)* | 283.5052% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 4,207 |
| Loan loss allowance to noncurrent loans | 35.4158% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 2.4829% | 2,786 |
| Noncurrent loans to loans | 4.1410% | 1,748 |
| Net loans and leases to total assets | 59.0783% | 4,827 |
| Net loans and leases to deposits | 69.1771% | 4,937 |
| Net loans and leases to core deposits | 70.5335% | 5,397 |
| Total domestic deposits to total assets | 85.4015% | 3,660 |
| Equity capital to assets | 10.2826% | 3,400 |
| Core capital (leverage) ratio | 10.2033% | 2,860 |
| Tier 1 risk-based capital ratio | 15.3121% | 3,093 |
| Total risk-based capital ratio | 16.5611% | 3,051 |
| Memoranda: | ||
| Average total assets | $98,677,800 | 5,023 |
| Average earning assets | $90,837,800 | 4,992 |
| Average equity | $10,750,600 | 4,920 |
| Average total loans | $55,014,200 | 5,274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 4,994 |
| Cost of funding earning assets | 1.5551% | 2,636 |
| Net interest margin | 3.4044% | 5,664 |
| Noninterest income to average assets | 0.4918% | 4,254 |
| Noninterest expense to average assets | 3.1961% | 2,942 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4462% | 4,555 |
| Return on assets (ROA) | 0.8027% | 3,143 |
| Pretax return on assets | 0.7853% | 3,967 |
| Return on Equity (ROE) | 7.2700% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.2700% | 1,713 |
| Net charge-offs to loans | -0.0073% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1701% | 1,441 |
| Assets per employee ($millions) | 3.5709% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,517 |
| Loan loss allowance to noncurrent loans | 36.4574% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 2.1343% | 3,289 |
| Noncurrent loans to loans | 3.8133% | 2,014 |
| Net loans and leases to total assets | 55.1923% | 5,671 |
| Net loans and leases to deposits | 66.8840% | 5,561 |
| Net loans and leases to core deposits | 68.1932% | 5,918 |
| Total domestic deposits to total assets | 82.5194% | 4,790 |
| Equity capital to assets | 11.4207% | 2,592 |
| Core capital (leverage) ratio | 11.4205% | 1,992 |
| Tier 1 risk-based capital ratio | 17.2169% | 2,272 |
| Total risk-based capital ratio | 18.3904% | 2,254 |
| Memoranda: | ||
| Average total assets | $99,493,750 | 5,069 |
| Average earning assets | $91,565,500 | 5,021 |
| Average equity | $10,985,500 | 4,929 |
| Average total loans | $54,465,750 | 5,369 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 5,049 |
| Cost of funding earning assets | 1.5734% | 2,810 |
| Net interest margin | 3.4028% | 5,633 |
| Noninterest income to average assets | 0.4671% | 4,378 |
| Noninterest expense to average assets | 3.2639% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3443% | 4,995 |
| Return on assets (ROA) | 0.8799% | 2,755 |
| Pretax return on assets | 0.8698% | 3,622 |
| Return on Equity (ROE) | 8.0620% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.0620% | 1,418 |
| Net charge-offs to loans | 0.0259% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 23.7143% | 1,096 |
| Efficiency ratio | 90.7107% | 1,281 |
| Assets per employee ($millions) | 3.8268% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,329 |
| Loan loss allowance to noncurrent loans | 37.2149% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 2.0714% | 3,418 |
| Noncurrent loans to loans | 3.8198% | 2,015 |
| Net loans and leases to total assets | 53.4569% | 6,054 |
| Net loans and leases to deposits | 63.4013% | 6,098 |
| Net loans and leases to core deposits | 65.0411% | 6,306 |
| Total domestic deposits to total assets | 84.3151% | 3,949 |
| Equity capital to assets | 11.1742% | 2,707 |
| Core capital (leverage) ratio | 11.3711% | 2,000 |
| Tier 1 risk-based capital ratio | 18.6044% | 1,804 |
| Total risk-based capital ratio | 19.8545% | 1,778 |
| Memoranda: | ||
| Average total assets | $99,330,000 | 5,100 |
| Average earning assets | $91,395,670 | 5,049 |
| Average equity | $10,841,000 | 4,959 |
| Average total loans | $53,967,000 | 5,425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 5,185 |
| Cost of funding earning assets | 1.6043% | 2,936 |
| Net interest margin | 3.3581% | 5,757 |
| Noninterest income to average assets | 0.4716% | 4,283 |
| Noninterest expense to average assets | 3.1921% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7537% | 3,194 |
| Return on assets (ROA) | 0.7537% | 3,300 |
| Pretax return on assets | 0.3587% | 5,419 |
| Return on Equity (ROE) | 6.9890% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.9890% | 2,136 |
| Net charge-offs to loans | -0.1630% | 7,631 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8978% | 1,445 |
| Assets per employee ($millions) | 3.8858% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4626% | 4,116 |
| Loan loss allowance to noncurrent loans | 72.4545% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 4,869 |
| Noncurrent loans to loans | 2.0186% | 3,767 |
| Net loans and leases to total assets | 53.1475% | 6,138 |
| Net loans and leases to deposits | 62.8413% | 6,189 |
| Net loans and leases to core deposits | 64.0229% | 6,449 |
| Total domestic deposits to total assets | 84.5742% | 3,861 |
| Equity capital to assets | 10.8075% | 2,947 |
| Core capital (leverage) ratio | 11.1364% | 2,135 |
| Tier 1 risk-based capital ratio | 17.4360% | 2,098 |
| Total risk-based capital ratio | 18.6990% | 2,064 |
| Memoranda: | ||
| Average total assets | $99,246,500 | 5,173 |
| Average earning assets | $91,005,000 | 5,136 |
| Average equity | $10,702,500 | 5,048 |
| Average total loans | $53,973,000 | 5,492 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4174% | 4,607 |
| Cost of funding earning assets | 1.9478% | 3,226 |
| Net interest margin | 3.4695% | 5,084 |
| Noninterest income to average assets | 0.4511% | 4,800 |
| Noninterest expense to average assets | 3.3643% | 2,793 |
| Loan and lease loss provision to assets | 0.3556% | 4,671 |
| Net operating income to assets | -0.0515% | 5,586 |
| Return on assets (ROA) | 0.2234% | 4,889 |
| Pretax return on assets | 0.2864% | 4,801 |
| Return on Equity (ROE) | 2.0227% | 4,893 |
| Retained earnings to average equity (ytd only) | 1.0731% | 4,290 |
| Net charge-offs to loans | 0.3523% | 4,469 |
| Credit loss provision to net charge-offs | 178.4211% | 2,339 |
| Earnings coverage of net charge-offs (x) | 1.4526% | 4,674 |
| Efficiency ratio | 92.0758% | 1,563 |
| Assets per employee ($millions) | 3.7485% | 4,397 |
| Cash dividends to net income (ytd only)* | 46.9484% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 3,978 |
| Loan loss allowance to noncurrent loans | 66.8680% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 4,591 |
| Noncurrent loans to loans | 2.1683% | 3,431 |
| Net loans and leases to total assets | 54.0503% | 6,196 |
| Net loans and leases to deposits | 64.2956% | 6,229 |
| Net loans and leases to core deposits | 77.8684% | 6,268 |
| Total domestic deposits to total assets | 84.0654% | 3,999 |
| Equity capital to assets | 10.7592% | 2,909 |
| Core capital (leverage) ratio | 10.9056% | 2,279 |
| Tier 1 risk-based capital ratio | 17.5924% | 2,000 |
| Total risk-based capital ratio | 18.8530% | 1,957 |
| Memoranda: | ||
| Average total assets | $95,324,400 | 5,232 |
| Average earning assets | $87,995,000 | 5,196 |
| Average equity | $10,530,400 | 5,152 |
| Average total loans | $53,931,800 | 5,506 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 4,789 |
| Cost of funding earning assets | 1.9918% | 3,402 |
| Net interest margin | 3.4388% | 5,119 |
| Noninterest income to average assets | 0.4445% | 4,938 |
| Noninterest expense to average assets | 3.3350% | 2,784 |
| Loan and lease loss provision to assets | 0.1815% | 5,552 |
| Net operating income to assets | 0.0827% | 5,519 |
| Return on assets (ROA) | 0.5036% | 4,059 |
| Pretax return on assets | 0.5753% | 4,280 |
| Return on Equity (ROE) | 4.5280% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.5280% | 2,740 |
| Net charge-offs to loans | 0.3651% | 3,824 |
| Credit loss provision to net charge-offs | 87.1622% | 5,562 |
| Earnings coverage of net charge-offs (x) | 1.3378% | 4,784 |
| Efficiency ratio | 92.2927% | 1,522 |
| Assets per employee ($millions) | 3.7168% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 5,628 |
| Loan loss allowance to noncurrent loans | 47.3110% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 4,314 |
| Noncurrent loans to loans | 2.3571% | 3,196 |
| Net loans and leases to total assets | 55.6987% | 6,176 |
| Net loans and leases to deposits | 66.9932% | 6,213 |
| Net loans and leases to core deposits | 79.7644% | 6,377 |
| Total domestic deposits to total assets | 83.1409% | 4,153 |
| Equity capital to assets | 11.0828% | 2,941 |
| Core capital (leverage) ratio | 11.6353% | 2,000 |
| Tier 1 risk-based capital ratio | 17.8611% | 2,029 |
| Total risk-based capital ratio | 18.8412% | 2,057 |
| Memoranda: | ||
| Average total assets | $94,790,250 | 5,276 |
| Average earning assets | $87,354,250 | 5,253 |
| Average equity | $10,541,500 | 5,183 |
| Average total loans | $54,051,500 | 5,553 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5396% | 4,389 |
| Cost of funding earning assets | 2.0326% | 3,609 |
| Net interest margin | 3.5069% | 4,767 |
| Noninterest income to average assets | 0.4269% | 5,064 |
| Noninterest expense to average assets | 3.3427% | 2,812 |
| Loan and lease loss provision to assets | 0.1274% | 5,826 |
| Net operating income to assets | 0.1557% | 5,401 |
| Return on assets (ROA) | 0.7390% | 3,200 |
| Pretax return on assets | 0.8962% | 3,352 |
| Return on Equity (ROE) | 6.6378% | 3,367 |
| Retained earnings to average equity (ytd only) | 6.6378% | 1,725 |
| Net charge-offs to loans | 0.0742% | 5,464 |
| Credit loss provision to net charge-offs | 300.0000% | 1,545 |
| Earnings coverage of net charge-offs (x) | 7.3500% | 2,453 |
| Efficiency ratio | 91.4585% | 1,682 |
| Assets per employee ($millions) | 3.6278% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 4,899 |
| Loan loss allowance to noncurrent loans | 226.1017% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 6,480 |
| Noncurrent loans to loans | 0.5328% | 6,204 |
| Net loans and leases to total assets | 57.9954% | 5,963 |
| Net loans and leases to deposits | 69.9697% | 5,990 |
| Net loans and leases to core deposits | 83.1466% | 6,150 |
| Total domestic deposits to total assets | 82.8865% | 4,296 |
| Equity capital to assets | 10.9676% | 2,949 |
| Core capital (leverage) ratio | 11.6566% | 1,997 |
| Tier 1 risk-based capital ratio | 18.0811% | 1,995 |
| Total risk-based capital ratio | 19.1724% | 1,975 |
| Memoranda: | ||
| Average total assets | $94,175,000 | 5,336 |
| Average earning assets | $86,685,670 | 5,311 |
| Average equity | $10,485,330 | 5,219 |
| Average total loans | $53,924,670 | 5,601 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6747% | 3,920 |
| Cost of funding earning assets | 2.0451% | 3,899 |
| Net interest margin | 3.6296% | 4,188 |
| Noninterest income to average assets | 0.2763% | 6,217 |
| Noninterest expense to average assets | 3.3368% | 2,547 |
| Loan and lease loss provision to assets | 0.1275% | 5,326 |
| Net operating income to assets | 0.1615% | 5,782 |
| Return on assets (ROA) | 0.1615% | 5,952 |
| Pretax return on assets | 0.1615% | 6,024 |
| Return on Equity (ROE) | 1.4400% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.4400% | 5,046 |
| Net charge-offs to loans | -0.1128% | 7,908 |
| Credit loss provision to net charge-offs | -200.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0281% | 1,564 |
| Assets per employee ($millions) | 3.6578% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,209 |
| Loan loss allowance to noncurrent loans | 47.9971% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 1.9032% | 3,054 |
| Noncurrent loans to loans | 2.6658% | 2,463 |
| Net loans and leases to total assets | 54.4372% | 6,421 |
| Net loans and leases to deposits | 65.8912% | 6,386 |
| Net loans and leases to core deposits | 77.6076% | 6,562 |
| Total domestic deposits to total assets | 82.6169% | 4,326 |
| Equity capital to assets | 11.0237% | 2,939 |
| Core capital (leverage) ratio | 11.3414% | 2,251 |
| Tier 1 risk-based capital ratio | 18.0790% | 2,032 |
| Total risk-based capital ratio | 19.2085% | 2,011 |
| Memoranda: | ||
| Average total assets | $94,101,000 | 5,372 |
| Average earning assets | $86,842,000 | 5,324 |
| Average equity | $10,555,500 | 5,225 |
| Average total loans | $53,202,000 | 5,664 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2672% | 4,143 |
| Cost of funding earning assets | 2.3948% | 4,737 |
| Net interest margin | 3.8724% | 3,697 |
| Noninterest income to average assets | 0.5803% | 4,005 |
| Noninterest expense to average assets | 3.3232% | 2,887 |
| Loan and lease loss provision to assets | 0.1820% | 5,075 |
| Net operating income to assets | 0.6125% | 4,253 |
| Return on assets (ROA) | 0.4593% | 4,733 |
| Pretax return on assets | 0.4657% | 5,083 |
| Return on Equity (ROE) | 4.2242% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.2242% | 2,492 |
| Net charge-offs to loans | 0.2099% | 4,110 |
| Credit loss provision to net charge-offs | 154.5455% | 3,376 |
| Earnings coverage of net charge-offs (x) | 6.8000% | 3,268 |
| Efficiency ratio | 80.5815% | 2,522 |
| Assets per employee ($millions) | 3.5807% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 4,844 |
| Loan loss allowance to noncurrent loans | 166.0477% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.0784% | 4,138 |
| Noncurrent loans to loans | 0.6987% | 5,285 |
| Net loans and leases to total assets | 57.2891% | 6,306 |
| Net loans and leases to deposits | 69.6934% | 6,299 |
| Net loans and leases to core deposits | 82.2183% | 6,439 |
| Total domestic deposits to total assets | 82.2016% | 4,122 |
| Equity capital to assets | 11.4149% | 2,691 |
| Core capital (leverage) ratio | 11.4282% | 2,297 |
| Tier 1 risk-based capital ratio | 17.3334% | 2,220 |
| Total risk-based capital ratio | 18.3472% | 2,229 |
| Memoranda: | ||
| Average total assets | $93,404,600 | 5,245 |
| Average earning assets | $85,477,400 | 5,247 |
| Average equity | $10,155,800 | 5,360 |
| Average total loans | $52,408,400 | 5,603 |