Home > The First National Bank of Arenzville > Performance and Condition Ratios
The First National Bank of Arenzville, 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 | 5.1094% | 2,911 |
| Cost of funding earning assets | 1.4725% | 3,276 |
| Net interest margin | 3.6369% | 1,999 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.3941% | 2,602 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.4550% | 1,170 |
| Return on assets (ROA) | 1.4550% | 1,167 |
| Pretax return on assets | 1.5287% | 1,452 |
| Return on Equity (ROE) | 19.6200% | 468 |
| Retained earnings to average equity (ytd only) | -6.6265% | 4,159 |
| Net charge-offs to loans | -0.0040% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 60.6501% | 2,879 |
| Assets per employee ($millions) | 6.3540% | 2,685 |
| Cash dividends to net income (ytd only)* | 133.7711% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 3,068 |
| Loan loss allowance to noncurrent loans | 1,639.0625% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,378 |
| Noncurrent loans to loans | 0.0629% | 3,357 |
| Net loans and leases to total assets | 68.9000% | 1,964 |
| Net loans and leases to deposits | 75.2560% | 2,459 |
| Net loans and leases to core deposits | 90.1969% | 2,035 |
| Total domestic deposits to total assets | 91.5600% | 379 |
| Equity capital to assets | 7.4859% | 3,862 |
| Core capital (leverage) ratio | 8.2558% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9674% | 2,686 |
| Memoranda: | ||
| Average total assets | $146,529,500 | 3,388 |
| Average earning assets | $139,350,500 | 3,348 |
| Average equity | $10,865,500 | 3,713 |
| Average total loans | $100,793,500 | 3,212 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0448% | 3,019 |
| Cost of funding earning assets | 1.4943% | 3,352 |
| Net interest margin | 3.5505% | 1,974 |
| Noninterest income to average assets | 0.6100% | 1,475 |
| Noninterest expense to average assets | 2.6953% | 1,759 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.2148% | 1,468 |
| Return on assets (ROA) | 1.2148% | 1,477 |
| Pretax return on assets | 1.2284% | 1,924 |
| Return on Equity (ROE) | 16.8200% | 690 |
| Retained earnings to average equity (ytd only) | 10.1082% | 570 |
| Net charge-offs to loans | 0.0082% | 2,621 |
| Credit loss provision to net charge-offs | 937.5000% | 410 |
| Earnings coverage of net charge-offs (x) | 223.1250% | 474 |
| Efficiency ratio | 67.7623% | 2,284 |
| Assets per employee ($millions) | 6.1215% | 2,781 |
| Cash dividends to net income (ytd only)* | 39.9172% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 2,992 |
| Loan loss allowance to noncurrent loans | 2,664.1026% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,514 |
| Noncurrent loans to loans | 0.0391% | 3,470 |
| Net loans and leases to total assets | 67.2500% | 2,226 |
| Net loans and leases to deposits | 73.3622% | 2,705 |
| Net loans and leases to core deposits | 87.1511% | 2,319 |
| Total domestic deposits to total assets | 91.6700% | 363 |
| Equity capital to assets | 7.3450% | 3,839 |
| Core capital (leverage) ratio | 8.5382% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2557% | 2,698 |
| Memoranda: | ||
| Average total assets | $139,205,200 | 3,457 |
| Average earning assets | $132,037,400 | 3,416 |
| Average equity | $10,051,200 | 3,760 |
| Average total loans | $98,036,200 | 3,224 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 2,997 |
| Cost of funding earning assets | 1.4788% | 3,396 |
| Net interest margin | 3.5434% | 1,934 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.4563% | 2,380 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.4530% | 1,004 |
| Return on assets (ROA) | 1.4530% | 1,003 |
| Pretax return on assets | 1.4714% | 1,356 |
| Return on Equity (ROE) | 20.2200% | 419 |
| Retained earnings to average equity (ytd only) | 12.6083% | 429 |
| Net charge-offs to loans | 0.0109% | 2,237 |
| Credit loss provision to net charge-offs | 562.5000% | 587 |
| Earnings coverage of net charge-offs (x) | 195.0000% | 529 |
| Efficiency ratio | 61.8489% | 2,954 |
| Assets per employee ($millions) | 5.9772% | 2,884 |
| Cash dividends to net income (ytd only)* | 37.6337% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,180 |
| Loan loss allowance to noncurrent loans | 2,522.5000% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,549 |
| Noncurrent loans to loans | 0.0402% | 3,517 |
| Net loans and leases to total assets | 71.6800% | 1,647 |
| Net loans and leases to deposits | 78.7544% | 2,288 |
| Net loans and leases to core deposits | 93.4154% | 1,912 |
| Total domestic deposits to total assets | 91.0200% | 339 |
| Equity capital to assets | 8.0283% | 3,695 |
| Core capital (leverage) ratio | 8.9734% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3082% | 2,721 |
| Memoranda: | ||
| Average total assets | $137,277,250 | 3,472 |
| Average earning assets | $130,193,250 | 3,439 |
| Average equity | $9,866,250 | 3,785 |
| Average total loans | $97,584,250 | 3,232 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 3,000 |
| Cost of funding earning assets | 1.4523% | 3,392 |
| Net interest margin | 3.5164% | 1,931 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 2.4225% | 2,459 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.3964% | 1,082 |
| Return on assets (ROA) | 1.3964% | 1,091 |
| Pretax return on assets | 1.4241% | 1,432 |
| Return on Equity (ROE) | 20.2200% | 442 |
| Retained earnings to average equity (ytd only) | 8.3369% | 1,275 |
| Net charge-offs to loans | 0.0124% | 1,970 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 167.8333% | 565 |
| Efficiency ratio | 62.2705% | 2,968 |
| Assets per employee ($millions) | 5.9571% | 2,833 |
| Cash dividends to net income (ytd only)* | 58.7683% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,226 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.2500% | 1,754 |
| Net loans and leases to deposits | 77.5475% | 2,422 |
| Net loans and leases to core deposits | 90.5974% | 2,102 |
| Total domestic deposits to total assets | 91.8700% | 285 |
| Equity capital to assets | 7.2066% | 3,863 |
| Core capital (leverage) ratio | 8.3650% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0565% | 2,784 |
| Memoranda: | ||
| Average total assets | $137,211,000 | 3,486 |
| Average earning assets | $130,134,667 | 3,447 |
| Average equity | $9,476,000 | 3,807 |
| Average total loans | $96,928,333 | 3,243 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 2,912 |
| Cost of funding earning assets | 1.4688% | 3,263 |
| Net interest margin | 3.4692% | 1,955 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.4849% | 2,289 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.2730% | 1,287 |
| Return on assets (ROA) | 1.2730% | 1,298 |
| Pretax return on assets | 1.3284% | 1,573 |
| Return on Equity (ROE) | 18.8400% | 531 |
| Retained earnings to average equity (ytd only) | -3.7943% | 4,062 |
| Net charge-offs to loans | 0.0333% | 1,226 |
| Credit loss provision to net charge-offs | 187.5000% | 840 |
| Earnings coverage of net charge-offs (x) | 58.8750% | 895 |
| Efficiency ratio | 64.4260% | 2,764 |
| Assets per employee ($millions) | 5.8249% | 2,974 |
| Cash dividends to net income (ytd only)* | 120.1373% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,186 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 67.7600% | 2,035 |
| Net loans and leases to deposits | 73.2289% | 2,662 |
| Net loans and leases to core deposits | 84.3159% | 2,422 |
| Total domestic deposits to total assets | 92.5400% | 243 |
| Equity capital to assets | 6.5967% | 4,057 |
| Core capital (leverage) ratio | 7.7641% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9803% | 2,810 |
| Memoranda: | ||
| Average total assets | $137,310,000 | 3,499 |
| Average earning assets | $130,174,000 | 3,461 |
| Average equity | $9,277,000 | 3,843 |
| Average total loans | $96,086,500 | 3,261 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 3,309 |
| Cost of funding earning assets | 1.1060% | 3,054 |
| Net interest margin | 3.2767% | 2,690 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.6099% | 1,975 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9333% | 2,434 |
| Return on assets (ROA) | 0.9333% | 2,410 |
| Pretax return on assets | 0.9469% | 2,823 |
| Return on Equity (ROE) | 14.5900% | 1,371 |
| Retained earnings to average equity (ytd only) | 7.1337% | 1,857 |
| Net charge-offs to loans | 0.0546% | 1,316 |
| Credit loss provision to net charge-offs | 215.6863% | 1,166 |
| Earnings coverage of net charge-offs (x) | 26.6863% | 1,703 |
| Efficiency ratio | 71.6989% | 1,688 |
| Assets per employee ($millions) | 6.1283% | 2,711 |
| Cash dividends to net income (ytd only)* | 51.0949% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,260 |
| 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 | 70.8200% | 1,722 |
| Net loans and leases to deposits | 76.6791% | 2,381 |
| Net loans and leases to core deposits | 87.6792% | 2,196 |
| Total domestic deposits to total assets | 92.3600% | 249 |
| Equity capital to assets | 6.9217% | 3,968 |
| Core capital (leverage) ratio | 8.0831% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9851% | 2,819 |
| Memoranda: | ||
| Average total assets | $132,113,400 | 3,530 |
| Average earning assets | $125,492,200 | 3,484 |
| Average equity | $8,452,800 | 3,885 |
| Average total loans | $93,330,800 | 3,248 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 3,368 |
| Cost of funding earning assets | 1.0087% | 3,007 |
| Net interest margin | 3.2456% | 2,812 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4397% | 2,411 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0996% | 2,058 |
| Return on assets (ROA) | 1.0996% | 2,041 |
| Pretax return on assets | 1.1179% | 2,515 |
| Return on Equity (ROE) | 17.5500% | 1,002 |
| Retained earnings to average equity (ytd only) | 9.1661% | 1,645 |
| Net charge-offs to loans | 0.0792% | 928 |
| Credit loss provision to net charge-offs | 109.0909% | 1,556 |
| Earnings coverage of net charge-offs (x) | 21.1273% | 1,786 |
| Efficiency ratio | 67.4236% | 2,085 |
| Assets per employee ($millions) | 5.8357% | 2,895 |
| Cash dividends to net income (ytd only)* | 47.7860% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 3,539 |
| Loan loss allowance to noncurrent loans | 577.9874% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 2,776 |
| Noncurrent loans to loans | 0.1655% | 2,715 |
| Net loans and leases to total assets | 70.8800% | 1,721 |
| Net loans and leases to deposits | 76.8330% | 2,351 |
| Net loans and leases to core deposits | 85.8923% | 2,195 |
| Total domestic deposits to total assets | 92.2500% | 406 |
| Equity capital to assets | 6.3247% | 3,888 |
| Core capital (leverage) ratio | 8.1257% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9137% | 2,841 |
| Memoranda: | ||
| Average total assets | $131,436,250 | 3,545 |
| Average earning assets | $125,170,000 | 3,500 |
| Average equity | $8,233,000 | 3,908 |
| Average total loans | $92,548,500 | 3,262 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 3,508 |
| Cost of funding earning assets | 0.8291% | 3,134 |
| Net interest margin | 3.2634% | 2,836 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.3646% | 2,608 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1831% | 1,874 |
| Return on assets (ROA) | 1.1831% | 1,868 |
| Pretax return on assets | 1.2107% | 2,329 |
| Return on Equity (ROE) | 18.9500% | 837 |
| Retained earnings to average equity (ytd only) | 6.2349% | 2,533 |
| Net charge-offs to loans | 0.0416% | 1,097 |
| Credit loss provision to net charge-offs | 157.8947% | 1,167 |
| Earnings coverage of net charge-offs (x) | 43.1579% | 1,365 |
| Efficiency ratio | 65.2983% | 2,336 |
| Assets per employee ($millions) | 5.7184% | 2,951 |
| Cash dividends to net income (ytd only)* | 67.0984% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,502 |
| Loan loss allowance to noncurrent loans | 1,156.2500% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,152 |
| Noncurrent loans to loans | 0.0847% | 3,084 |
| Net loans and leases to total assets | 71.1000% | 1,625 |
| Net loans and leases to deposits | 77.5394% | 2,172 |
| Net loans and leases to core deposits | 81.3189% | 2,386 |
| Total domestic deposits to total assets | 91.6900% | 476 |
| Equity capital to assets | 6.4019% | 4,033 |
| Core capital (leverage) ratio | 8.1855% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7778% | 2,874 |
| Memoranda: | ||
| Average total assets | $130,508,333 | 3,565 |
| Average earning assets | $124,469,667 | 3,513 |
| Average equity | $8,147,667 | 3,937 |
| Average total loans | $91,381,667 | 3,279 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,571 |
| Cost of funding earning assets | 0.6596% | 3,190 |
| Net interest margin | 3.2849% | 2,916 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.4554% | 2,357 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0646% | 2,336 |
| Return on assets (ROA) | 1.0646% | 2,305 |
| Pretax return on assets | 1.1200% | 2,659 |
| Return on Equity (ROE) | 17.2800% | 1,131 |
| Retained earnings to average equity (ytd only) | -6.6904% | 4,390 |
| Net charge-offs to loans | 0.0178% | 1,332 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 94.7500% | 814 |
| Efficiency ratio | 67.7995% | 1,992 |
| Assets per employee ($millions) | 6.2291% | 2,556 |
| Cash dividends to net income (ytd only)* | 138.7283% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 3,403 |
| Loan loss allowance to noncurrent loans | 92,500.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,938 |
| Noncurrent loans to loans | 0.0011% | 3,870 |
| Net loans and leases to total assets | 68.1700% | 1,817 |
| Net loans and leases to deposits | 73.0144% | 2,383 |
| Net loans and leases to core deposits | 77.0915% | 2,453 |
| Total domestic deposits to total assets | 93.3600% | 248 |
| Equity capital to assets | 6.2143% | 4,133 |
| Core capital (leverage) ratio | 7.8488% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8235% | 2,967 |
| Memoranda: | ||
| Average total assets | $130,001,000 | 3,613 |
| Average earning assets | $123,717,500 | 3,563 |
| Average equity | $8,011,500 | 3,998 |
| Average total loans | $89,854,500 | 3,335 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 3,017 |
| Cost of funding earning assets | 0.3045% | 2,837 |
| Net interest margin | 3.2193% | 2,809 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.6331% | 1,721 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9303% | 2,848 |
| Return on assets (ROA) | 0.9303% | 2,790 |
| Pretax return on assets | 0.9422% | 3,239 |
| Return on Equity (ROE) | 13.9700% | 1,537 |
| Retained earnings to average equity (ytd only) | 6.8253% | 2,312 |
| Net charge-offs to loans | 0.0194% | 1,710 |
| Credit loss provision to net charge-offs | 187.5000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 76.1250% | 1,113 |
| Efficiency ratio | 73.1600% | 1,303 |
| Assets per employee ($millions) | 5.6170% | 3,107 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,257 |
| Loan loss allowance to noncurrent loans | 91,400.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,955 |
| Noncurrent loans to loans | 0.0011% | 3,896 |
| Net loans and leases to total assets | 68.6600% | 1,769 |
| Net loans and leases to deposits | 76.8110% | 2,049 |
| Net loans and leases to core deposits | 81.6592% | 2,030 |
| Total domestic deposits to total assets | 89.3900% | 1,603 |
| Equity capital to assets | 6.1104% | 4,048 |
| Core capital (leverage) ratio | 7.9862% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0212% | 2,969 |
| Memoranda: | ||
| Average total assets | $126,087,600 | 3,674 |
| Average earning assets | $120,524,000 | 3,619 |
| Average equity | $8,395,200 | 4,057 |
| Average total loans | $82,510,000 | 3,380 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4092% | 2,894 |
| Cost of funding earning assets | 0.2069% | 3,193 |
| Net interest margin | 3.2023% | 2,614 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.4227% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1374% | 1,941 |
| Return on assets (ROA) | 1.1374% | 1,913 |
| Pretax return on assets | 1.1534% | 2,545 |
| Return on Equity (ROE) | 16.7300% | 851 |
| Retained earnings to average equity (ytd only) | 9.0916% | 1,617 |
| Net charge-offs to loans | 0.0017% | 2,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,084.0000% | 137 |
| Efficiency ratio | 67.7477% | 2,063 |
| Assets per employee ($millions) | 5.9469% | 2,812 |
| Cash dividends to net income (ytd only)* | 45.6501% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 3,370 |
| Loan loss allowance to noncurrent loans | 1,123.7500% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,279 |
| Noncurrent loans to loans | 0.0911% | 3,229 |
| Net loans and leases to total assets | 66.4200% | 1,847 |
| Net loans and leases to deposits | 75.2828% | 1,937 |
| Net loans and leases to core deposits | 79.1946% | 1,957 |
| Total domestic deposits to total assets | 88.2300% | 2,350 |
| Equity capital to assets | 5.7387% | 4,060 |
| Core capital (leverage) ratio | 8.3168% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2877% | 2,988 |
| Memoranda: | ||
| Average total assets | $125,312,000 | 3,708 |
| Average earning assets | $119,867,500 | 3,646 |
| Average equity | $8,520,500 | 4,093 |
| Average total loans | $80,734,250 | 3,417 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3212% | 2,669 |
| Cost of funding earning assets | 0.1590% | 3,464 |
| Net interest margin | 3.1622% | 2,316 |
| Noninterest income to average assets | 0.4973% | 2,217 |
| Noninterest expense to average assets | 2.3779% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1225% | 1,691 |
| Return on assets (ROA) | 1.1225% | 1,670 |
| Pretax return on assets | 1.1468% | 2,248 |
| Return on Equity (ROE) | 15.6469% | 763 |
| Retained earnings to average equity (ytd only) | 4.6286% | 2,840 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4632% | 2,315 |
| Assets per employee ($millions) | 5.4310% | 3,289 |
| Cash dividends to net income (ytd only)* | 70.4185% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,133 |
| Loan loss allowance to noncurrent loans | 1,267.6056% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,414 |
| Noncurrent loans to loans | 0.0874% | 3,340 |
| Net loans and leases to total assets | 64.2911% | 1,876 |
| Net loans and leases to deposits | 68.9765% | 2,306 |
| Net loans and leases to core deposits | 72.0671% | 2,330 |
| Total domestic deposits to total assets | 93.2073% | 464 |
| Equity capital to assets | 6.4981% | 4,023 |
| Core capital (leverage) ratio | 8.0072% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5279% | 2,920 |
| Memoranda: | ||
| Average total assets | $123,472,000 | 3,769 |
| Average earning assets | $118,210,333 | 3,722 |
| Average equity | $8,858,000 | 4,117 |
| Average total loans | $78,377,667 | 3,474 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1404% | 2,856 |
| Cost of funding earning assets | 0.1396% | 3,638 |
| Net interest margin | 3.0008% | 2,499 |
| Noninterest income to average assets | 0.4595% | 2,360 |
| Noninterest expense to average assets | 2.3625% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9189% | 2,207 |
| Return on assets (ROA) | 0.9189% | 2,204 |
| Pretax return on assets | 0.9678% | 2,542 |
| Return on Equity (ROE) | 12.2230% | 1,248 |
| Retained earnings to average equity (ytd only) | -7.2818% | 4,498 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9393% | 2,112 |
| Assets per employee ($millions) | 6.1178% | 2,689 |
| Cash dividends to net income (ytd only)* | 159.5745% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,241 |
| Loan loss allowance to noncurrent loans | 4,736.8421% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 3,912 |
| Noncurrent loans to loans | 0.0236% | 3,823 |
| Net loans and leases to total assets | 61.8709% | 1,875 |
| Net loans and leases to deposits | 66.4127% | 2,304 |
| Net loans and leases to core deposits | 69.3843% | 2,344 |
| Total domestic deposits to total assets | 93.1613% | 236 |
| Equity capital to assets | 6.5718% | 4,399 |
| Core capital (leverage) ratio | 7.6208% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2925% | 3,011 |
| Memoranda: | ||
| Average total assets | $122,751,500 | 3,790 |
| Average earning assets | $117,436,500 | 3,751 |
| Average equity | $9,228,500 | 4,137 |
| Average total loans | $76,962,500 | 3,510 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 2,729 |
| Cost of funding earning assets | 0.1846% | 3,600 |
| Net interest margin | 3.2919% | 2,335 |
| Noninterest income to average assets | 0.5406% | 2,394 |
| Noninterest expense to average assets | 2.6792% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9987% | 2,671 |
| Return on assets (ROA) | 0.9987% | 2,741 |
| Pretax return on assets | 1.0105% | 3,234 |
| Return on Equity (ROE) | 11.1122% | 2,125 |
| Retained earnings to average equity (ytd only) | 6.1858% | 2,280 |
| Net charge-offs to loans | 0.0125% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 708 |
| Efficiency ratio | 72.6135% | 1,443 |
| Assets per employee ($millions) | 5.5728% | 3,193 |
| Cash dividends to net income (ytd only)* | 44.3336% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,770 |
| Loan loss allowance to noncurrent loans | 511.3636% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 2,890 |
| Noncurrent loans to loans | 0.2393% | 2,776 |
| Net loans and leases to total assets | 62.0675% | 1,934 |
| Net loans and leases to deposits | 68.1839% | 2,297 |
| Net loans and leases to core deposits | 71.0609% | 2,348 |
| Total domestic deposits to total assets | 91.0296% | 487 |
| Equity capital to assets | 8.5569% | 4,013 |
| Core capital (leverage) ratio | 8.5959% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,442,800 | 3,889 |
| Average earning assets | $105,654,000 | 3,847 |
| Average equity | $9,926,000 | 4,139 |
| Average total loans | $64,233,000 | 3,760 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 2,883 |
| Cost of funding earning assets | 0.1946% | 3,665 |
| Net interest margin | 3.2886% | 2,449 |
| Noninterest income to average assets | 0.5147% | 2,561 |
| Noninterest expense to average assets | 2.4584% | 2,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1887% | 2,203 |
| Return on assets (ROA) | 1.1887% | 2,262 |
| Pretax return on assets | 1.2047% | 2,911 |
| Return on Equity (ROE) | 13.0584% | 1,675 |
| Retained earnings to average equity (ytd only) | 7.9831% | 2,059 |
| Net charge-offs to loans | 0.0172% | 1,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 122.8750% | 764 |
| Efficiency ratio | 67.1127% | 1,955 |
| Assets per employee ($millions) | 5.2304% | 3,471 |
| Cash dividends to net income (ytd only)* | 38.8660% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 2,239 |
| Loan loss allowance to noncurrent loans | 1,168.8312% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,639 |
| Noncurrent loans to loans | 0.1153% | 3,514 |
| Net loans and leases to total assets | 59.9774% | 2,268 |
| Net loans and leases to deposits | 66.3731% | 2,595 |
| Net loans and leases to core deposits | 68.0642% | 2,769 |
| Total domestic deposits to total assets | 90.3640% | 614 |
| Equity capital to assets | 9.3347% | 3,521 |
| Core capital (leverage) ratio | 9.0012% | 3,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,796,250 | 3,953 |
| Average earning assets | $104,156,500 | 3,910 |
| Average equity | $9,904,000 | 4,197 |
| Average total loans | $61,907,000 | 3,838 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3246% | 3,365 |
| Cost of funding earning assets | 0.1982% | 3,771 |
| Net interest margin | 3.1265% | 2,966 |
| Noninterest income to average assets | 0.4555% | 2,817 |
| Noninterest expense to average assets | 2.3532% | 2,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0752% | 2,626 |
| Return on assets (ROA) | 1.0752% | 2,698 |
| Pretax return on assets | 1.0991% | 3,217 |
| Return on Equity (ROE) | 11.9130% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.2094% | 3,455 |
| Net charge-offs to loans | -0.0033% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1624% | 1,864 |
| Assets per employee ($millions) | 5.1552% | 3,503 |
| Cash dividends to net income (ytd only)* | 64.6655% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,697 |
| Loan loss allowance to noncurrent loans | 1,782.3529% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,953 |
| Noncurrent loans to loans | 0.0823% | 3,778 |
| Net loans and leases to total assets | 53.8452% | 3,151 |
| Net loans and leases to deposits | 59.1733% | 3,455 |
| Net loans and leases to core deposits | 60.3689% | 3,593 |
| Total domestic deposits to total assets | 90.9958% | 379 |
| Equity capital to assets | 8.7194% | 4,030 |
| Core capital (leverage) ratio | 8.6105% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,449,000 | 3,975 |
| Average earning assets | $103,951,000 | 3,931 |
| Average equity | $9,787,667 | 4,224 |
| Average total loans | $60,283,333 | 3,894 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1669% | 3,740 |
| Cost of funding earning assets | 0.2088% | 3,838 |
| Net interest margin | 2.9582% | 3,359 |
| Noninterest income to average assets | 0.4039% | 3,066 |
| Noninterest expense to average assets | 2.3819% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8078% | 3,398 |
| Return on assets (ROA) | 0.8078% | 3,470 |
| Pretax return on assets | 0.8569% | 3,702 |
| Return on Equity (ROE) | 8.7912% | 3,109 |
| Retained earnings to average equity (ytd only) | -5.1351% | 4,706 |
| Net charge-offs to loans | -0.0067% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5431% | 1,347 |
| Assets per employee ($millions) | 5.6251% | 2,996 |
| Cash dividends to net income (ytd only)* | 158.4112% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 1,386 |
| Loan loss allowance to noncurrent loans | 937.1134% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 3,762 |
| Noncurrent loans to loans | 0.1668% | 3,510 |
| Net loans and leases to total assets | 50.8720% | 3,552 |
| Net loans and leases to deposits | 55.7877% | 3,807 |
| Net loans and leases to core deposits | 57.6662% | 3,860 |
| Total domestic deposits to total assets | 91.1886% | 334 |
| Equity capital to assets | 8.5492% | 4,077 |
| Core capital (leverage) ratio | 8.3830% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,966,500 | 4,006 |
| Average earning assets | $101,549,500 | 3,965 |
| Average equity | $9,737,000 | 4,239 |
| Average total loans | $59,436,500 | 3,925 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 2,662 |
| Cost of funding earning assets | 0.3995% | 3,583 |
| Net interest margin | 3.6210% | 2,069 |
| Noninterest income to average assets | 0.6099% | 2,184 |
| Noninterest expense to average assets | 2.8183% | 1,894 |
| Loan and lease loss provision to assets | 0.1688% | 2,273 |
| Net operating income to assets | 1.0330% | 2,164 |
| Return on assets (ROA) | 1.0330% | 2,314 |
| Pretax return on assets | 1.0467% | 2,894 |
| Return on Equity (ROE) | 10.2806% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.1875% | 2,192 |
| Net charge-offs to loans | 0.0460% | 2,148 |
| Credit loss provision to net charge-offs | 551.7241% | 1,175 |
| Earnings coverage of net charge-offs (x) | 39.7241% | 1,396 |
| Efficiency ratio | 69.8666% | 1,966 |
| Assets per employee ($millions) | 4.7348% | 3,682 |
| Cash dividends to net income (ytd only)* | 49.5403% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 1,600 |
| Loan loss allowance to noncurrent loans | 3,783.3333% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 3,404 |
| Noncurrent loans to loans | 0.0395% | 4,144 |
| Net loans and leases to total assets | 60.1663% | 2,841 |
| Net loans and leases to deposits | 67.1139% | 3,173 |
| Net loans and leases to core deposits | 71.5752% | 3,119 |
| Total domestic deposits to total assets | 89.6481% | 702 |
| Equity capital to assets | 9.9124% | 3,209 |
| Core capital (leverage) ratio | 9.2723% | 3,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,774,600 | 4,058 |
| Average earning assets | $89,616,200 | 4,034 |
| Average equity | $9,522,800 | 4,245 |
| Average total loans | $63,090,400 | 3,863 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,741 |
| Cost of funding earning assets | 0.4468% | 3,544 |
| Net interest margin | 3.6285% | 2,165 |
| Noninterest income to average assets | 0.5797% | 2,257 |
| Noninterest expense to average assets | 2.6193% | 2,484 |
| Loan and lease loss provision to assets | 0.1998% | 1,993 |
| Net operating income to assets | 1.1665% | 1,759 |
| Return on assets (ROA) | 1.1665% | 1,878 |
| Pretax return on assets | 1.1850% | 2,442 |
| Return on Equity (ROE) | 11.5681% | 1,488 |
| Retained earnings to average equity (ytd only) | 6.3137% | 1,968 |
| Net charge-offs to loans | 0.0712% | 1,602 |
| Credit loss provision to net charge-offs | 411.7647% | 1,440 |
| Earnings coverage of net charge-offs (x) | 28.5882% | 1,631 |
| Efficiency ratio | 65.4216% | 2,532 |
| Assets per employee ($millions) | 5.0578% | 3,170 |
| Cash dividends to net income (ytd only)* | 45.4212% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 1,846 |
| Loan loss allowance to noncurrent loans | 910.3093% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 3,212 |
| Noncurrent loans to loans | 0.1511% | 3,776 |
| Net loans and leases to total assets | 62.5736% | 2,937 |
| Net loans and leases to deposits | 69.5212% | 3,349 |
| Net loans and leases to core deposits | 74.0671% | 3,318 |
| Total domestic deposits to total assets | 90.0065% | 423 |
| Equity capital to assets | 9.7335% | 3,490 |
| Core capital (leverage) ratio | 9.6584% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,610,500 | 4,073 |
| Average earning assets | $88,335,000 | 4,051 |
| Average equity | $9,439,500 | 4,273 |
| Average total loans | $63,680,000 | 3,869 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 2,513 |
| Cost of funding earning assets | 0.5131% | 3,453 |
| Net interest margin | 3.7716% | 1,911 |
| Noninterest income to average assets | 0.5884% | 2,175 |
| Noninterest expense to average assets | 2.6412% | 2,548 |
| Loan and lease loss provision to assets | 0.2415% | 1,740 |
| Net operating income to assets | 1.2273% | 1,558 |
| Return on assets (ROA) | 1.2273% | 1,681 |
| Pretax return on assets | 1.2558% | 2,163 |
| Return on Equity (ROE) | 12.0163% | 1,331 |
| Retained earnings to average equity (ytd only) | 4.0198% | 2,892 |
| Net charge-offs to loans | 0.0882% | 1,367 |
| Credit loss provision to net charge-offs | 392.8571% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.3571% | 1,581 |
| Efficiency ratio | 63.8196% | 2,847 |
| Assets per employee ($millions) | 4.7747% | 3,438 |
| Cash dividends to net income (ytd only)* | 66.5474% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 1,885 |
| Loan loss allowance to noncurrent loans | 550.6410% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 3,031 |
| Noncurrent loans to loans | 0.2409% | 3,516 |
| Net loans and leases to total assets | 66.9096% | 2,508 |
| Net loans and leases to deposits | 74.6643% | 3,010 |
| Net loans and leases to core deposits | 78.9809% | 3,028 |
| Total domestic deposits to total assets | 89.6139% | 524 |
| Equity capital to assets | 10.0594% | 3,154 |
| Core capital (leverage) ratio | 9.7226% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,095,333 | 4,112 |
| Average earning assets | $85,746,667 | 4,087 |
| Average equity | $9,304,000 | 4,309 |
| Average total loans | $63,513,333 | 3,885 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,534 |
| Cost of funding earning assets | 0.5683% | 3,598 |
| Net interest margin | 3.8542% | 1,810 |
| Noninterest income to average assets | 0.4725% | 2,695 |
| Noninterest expense to average assets | 2.7448% | 2,593 |
| Loan and lease loss provision to assets | 0.1350% | 2,036 |
| Net operating income to assets | 1.1654% | 1,640 |
| Return on assets (ROA) | 1.1654% | 1,750 |
| Pretax return on assets | 1.2239% | 2,115 |
| Return on Equity (ROE) | 11.3187% | 1,319 |
| Retained earnings to average equity (ytd only) | -3.3213% | 4,385 |
| Net charge-offs to loans | -0.0191% | 4,320 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8860% | 2,838 |
| Assets per employee ($millions) | 4.5555% | 3,190 |
| Cash dividends to net income (ytd only)* | 129.3436% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,188 |
| Loan loss allowance to noncurrent loans | 3,240.0000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,486 |
| Noncurrent loans to loans | 0.0398% | 4,400 |
| Net loans and leases to total assets | 68.0537% | 2,530 |
| Net loans and leases to deposits | 75.9906% | 3,078 |
| Net loans and leases to core deposits | 81.1250% | 3,100 |
| Total domestic deposits to total assets | 89.5554% | 455 |
| Equity capital to assets | 10.1439% | 3,658 |
| Core capital (leverage) ratio | 9.5132% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,896,500 | 4,137 |
| Average earning assets | $83,753,500 | 4,110 |
| Average equity | $9,153,000 | 4,348 |
| Average total loans | $62,893,500 | 3,908 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5652% | 2,729 |
| Cost of funding earning assets | 0.5603% | 3,824 |
| Net interest margin | 4.0049% | 1,844 |
| Noninterest income to average assets | 0.5142% | 2,653 |
| Noninterest expense to average assets | 3.1202% | 1,712 |
| Loan and lease loss provision to assets | 0.0706% | 2,588 |
| Net operating income to assets | 1.0589% | 2,622 |
| Return on assets (ROA) | 1.0589% | 2,714 |
| Pretax return on assets | 1.0742% | 3,248 |
| Return on Equity (ROE) | 10.3197% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.0796% | 2,377 |
| Net charge-offs to loans | 0.0419% | 2,551 |
| Credit loss provision to net charge-offs | 230.7692% | 1,159 |
| Earnings coverage of net charge-offs (x) | 37.4231% | 1,375 |
| Efficiency ratio | 73.1586% | 1,707 |
| Assets per employee ($millions) | 3.6118% | 4,359 |
| Cash dividends to net income (ytd only)* | 50.7778% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,266 |
| Loan loss allowance to noncurrent loans | 747.1154% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 4,037 |
| Noncurrent loans to loans | 0.1651% | 3,869 |
| Net loans and leases to total assets | 71.7514% | 2,126 |
| Net loans and leases to deposits | 80.5838% | 2,716 |
| Net loans and leases to core deposits | 87.4364% | 2,663 |
| Total domestic deposits to total assets | 89.0395% | 654 |
| Equity capital to assets | 10.4564% | 3,492 |
| Core capital (leverage) ratio | 10.2573% | 3,235 |
| Tier 1 risk-based capital ratio | 12.7432% | 3,924 |
| Total risk-based capital ratio | 13.8540% | 3,896 |
| Memoranda: | ||
| Average total assets | $84,994,600 | 4,215 |
| Average earning assets | $79,601,800 | 4,194 |
| Average equity | $8,721,200 | 4,419 |
| Average total loans | $62,048,200 | 3,945 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 2,876 |
| Cost of funding earning assets | 0.5471% | 3,948 |
| Net interest margin | 4.0085% | 1,907 |
| Noninterest income to average assets | 0.4808% | 2,846 |
| Noninterest expense to average assets | 2.9024% | 2,262 |
| Loan and lease loss provision to assets | 0.0946% | 2,022 |
| Net operating income to assets | 1.2171% | 2,134 |
| Return on assets (ROA) | 1.2171% | 2,212 |
| Pretax return on assets | 1.2376% | 2,864 |
| Return on Equity (ROE) | 11.9195% | 1,646 |
| Retained earnings to average equity (ytd only) | 6.5928% | 2,061 |
| Net charge-offs to loans | 0.0561% | 2,027 |
| Credit loss provision to net charge-offs | 230.7692% | 1,165 |
| Earnings coverage of net charge-offs (x) | 32.4961% | 1,558 |
| Efficiency ratio | 68.5406% | 2,332 |
| Assets per employee ($millions) | 4.1375% | 3,700 |
| Cash dividends to net income (ytd only)* | 44.6892% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,354 |
| Loan loss allowance to noncurrent loans | 459.7633% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 3,787 |
| Noncurrent loans to loans | 0.2668% | 3,589 |
| Net loans and leases to total assets | 72.0134% | 2,173 |
| Net loans and leases to deposits | 80.6223% | 2,839 |
| Net loans and leases to core deposits | 85.4632% | 2,955 |
| Total domestic deposits to total assets | 89.3219% | 515 |
| Equity capital to assets | 10.4180% | 3,618 |
| Core capital (leverage) ratio | 10.6838% | 2,945 |
| Tier 1 risk-based capital ratio | 12.7845% | 3,967 |
| Total risk-based capital ratio | 13.9009% | 3,927 |
| Memoranda: | ||
| Average total assets | $84,572,250 | 4,271 |
| Average earning assets | $79,197,250 | 4,253 |
| Average equity | $8,635,500 | 4,478 |
| Average total loans | $61,816,750 | 3,991 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5729% | 2,761 |
| Cost of funding earning assets | 0.5308% | 3,981 |
| Net interest margin | 4.0422% | 1,792 |
| Noninterest income to average assets | 0.4654% | 2,875 |
| Noninterest expense to average assets | 2.8902% | 2,306 |
| Loan and lease loss provision to assets | 0.1432% | 1,296 |
| Net operating income to assets | 1.1814% | 2,217 |
| Return on assets (ROA) | 1.1814% | 2,285 |
| Pretax return on assets | 1.2124% | 2,875 |
| Return on Equity (ROE) | 11.6516% | 1,715 |
| Retained earnings to average equity (ytd only) | 3.5308% | 3,478 |
| Net charge-offs to loans | 0.0294% | 2,271 |
| Credit loss provision to net charge-offs | 666.6667% | 480 |
| Earnings coverage of net charge-offs (x) | 63.1111% | 955 |
| Efficiency ratio | 68.0720% | 2,523 |
| Assets per employee ($millions) | 3.5763% | 4,408 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,080 |
| Loan loss allowance to noncurrent loans | 315.0794% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 3,312 |
| Noncurrent loans to loans | 0.4076% | 3,072 |
| Net loans and leases to total assets | 74.1970% | 1,855 |
| Net loans and leases to deposits | 83.2799% | 2,574 |
| Net loans and leases to core deposits | 86.3359% | 2,933 |
| Total domestic deposits to total assets | 89.0935% | 626 |
| Equity capital to assets | 10.6353% | 3,402 |
| Core capital (leverage) ratio | 10.4152% | 3,179 |
| Tier 1 risk-based capital ratio | 12.7481% | 3,979 |
| Total risk-based capital ratio | 13.9222% | 3,930 |
| Memoranda: | ||
| Average total assets | $83,800,330 | 4,308 |
| Average earning assets | $78,374,000 | 4,290 |
| Average equity | $8,496,670 | 4,520 |
| Average total loans | $61,306,330 | 4,016 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 2,794 |
| Cost of funding earning assets | 0.4669% | 4,217 |
| Net interest margin | 4.0551% | 1,675 |
| Noninterest income to average assets | 0.4446% | 2,878 |
| Noninterest expense to average assets | 2.8425% | 2,435 |
| Loan and lease loss provision to assets | 0.1419% | 1,207 |
| Net operating income to assets | 1.1777% | 2,138 |
| Return on assets (ROA) | 1.1777% | 2,189 |
| Pretax return on assets | 1.2392% | 2,668 |
| Return on Equity (ROE) | 11.8982% | 1,572 |
| Retained earnings to average equity (ytd only) | -2.7715% | 4,802 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3012% | 2,739 |
| Assets per employee ($millions) | 4.0575% | 3,835 |
| Cash dividends to net income (ytd only)* | 123.2932% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,098 |
| Loan loss allowance to noncurrent loans | 402.6042% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 3,725 |
| Noncurrent loans to loans | 0.3226% | 3,407 |
| Net loans and leases to total assets | 68.9415% | 2,632 |
| Net loans and leases to deposits | 76.7140% | 3,195 |
| Net loans and leases to core deposits | 79.9029% | 3,380 |
| Total domestic deposits to total assets | 89.8682% | 502 |
| Equity capital to assets | 9.8783% | 3,937 |
| Core capital (leverage) ratio | 9.5879% | 4,035 |
| Tier 1 risk-based capital ratio | 12.7877% | 3,987 |
| Total risk-based capital ratio | 13.9626% | 3,929 |
| Memoranda: | ||
| Average total assets | $84,573,500 | 4,346 |
| Average earning assets | $78,814,500 | 4,329 |
| Average equity | $8,371,000 | 4,561 |
| Average total loans | $61,047,500 | 4,069 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 3,040 |
| Cost of funding earning assets | 0.3999% | 3,989 |
| Net interest margin | 3.9211% | 2,257 |
| Noninterest income to average assets | 0.5212% | 2,712 |
| Noninterest expense to average assets | 3.0942% | 1,816 |
| Loan and lease loss provision to assets | 0.0729% | 2,676 |
| Net operating income to assets | 1.0205% | 2,926 |
| Return on assets (ROA) | 1.0205% | 2,911 |
| Pretax return on assets | 1.0351% | 3,494 |
| Return on Equity (ROE) | 10.3717% | 2,360 |
| Retained earnings to average equity (ytd only) | 3.9881% | 3,379 |
| Net charge-offs to loans | 0.0659% | 2,176 |
| Credit loss provision to net charge-offs | 150.0000% | 1,832 |
| Earnings coverage of net charge-offs (x) | 22.8000% | 1,884 |
| Efficiency ratio | 73.6340% | 1,678 |
| Assets per employee ($millions) | 3.6496% | 4,391 |
| Cash dividends to net income (ytd only)* | 61.5476% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,638 |
| Loan loss allowance to noncurrent loans | 345.5814% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 3,564 |
| Noncurrent loans to loans | 0.3436% | 3,315 |
| Net loans and leases to total assets | 73.6669% | 1,977 |
| Net loans and leases to deposits | 86.2439% | 2,242 |
| Net loans and leases to core deposits | 88.4698% | 2,712 |
| Total domestic deposits to total assets | 85.4170% | 2,465 |
| Equity capital to assets | 9.9178% | 3,750 |
| Core capital (leverage) ratio | 10.2369% | 3,317 |
| Tier 1 risk-based capital ratio | 12.5554% | 4,101 |
| Total risk-based capital ratio | 13.6566% | 4,064 |
| Memoranda: | ||
| Average total assets | $82,314,000 | 4,394 |
| Average earning assets | $77,275,200 | 4,361 |
| Average equity | $8,099,000 | 4,593 |
| Average total loans | $60,664,400 | 4,074 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 3,066 |
| Cost of funding earning assets | 0.3650% | 4,084 |
| Net interest margin | 3.9075% | 2,272 |
| Noninterest income to average assets | 0.5258% | 2,713 |
| Noninterest expense to average assets | 2.8682% | 2,407 |
| Loan and lease loss provision to assets | 0.0977% | 2,032 |
| Net operating income to assets | 1.2176% | 2,168 |
| Return on assets (ROA) | 1.2176% | 2,166 |
| Pretax return on assets | 1.2371% | 2,858 |
| Return on Equity (ROE) | 12.4005% | 1,637 |
| Retained earnings to average equity (ytd only) | 5.7030% | 2,823 |
| Net charge-offs to loans | 0.0886% | 1,619 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 20.5008% | 1,956 |
| Efficiency ratio | 68.2417% | 2,497 |
| Assets per employee ($millions) | 3.7496% | 4,238 |
| Cash dividends to net income (ytd only)* | 54.0103% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,567 |
| Loan loss allowance to noncurrent loans | 350.4717% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,662 |
| Noncurrent loans to loans | 0.3454% | 3,420 |
| Net loans and leases to total assets | 73.5110% | 2,071 |
| Net loans and leases to deposits | 84.1743% | 2,583 |
| Net loans and leases to core deposits | 86.4927% | 2,957 |
| Total domestic deposits to total assets | 87.3320% | 1,585 |
| Equity capital to assets | 9.9805% | 3,668 |
| Core capital (leverage) ratio | 10.3700% | 3,213 |
| Tier 1 risk-based capital ratio | 12.7347% | 4,062 |
| Total risk-based capital ratio | 13.8492% | 4,042 |
| Memoranda: | ||
| Average total assets | $81,907,500 | 4,444 |
| Average earning assets | $77,080,750 | 4,410 |
| Average equity | $8,042,500 | 4,647 |
| Average total loans | $60,185,750 | 4,133 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,958 |
| Cost of funding earning assets | 0.3294% | 4,209 |
| Net interest margin | 3.9163% | 2,152 |
| Noninterest income to average assets | 0.5213% | 2,744 |
| Noninterest expense to average assets | 2.8294% | 2,581 |
| Loan and lease loss provision to assets | 0.1469% | 1,298 |
| Net operating income to assets | 1.2116% | 2,147 |
| Return on assets (ROA) | 1.2116% | 2,143 |
| Pretax return on assets | 1.2409% | 2,763 |
| Return on Equity (ROE) | 12.4076% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.2810% | 4,368 |
| Net charge-offs to loans | 0.0268% | 2,320 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 70.8750% | 901 |
| Efficiency ratio | 67.0923% | 2,801 |
| Assets per employee ($millions) | 3.8272% | 4,169 |
| Cash dividends to net income (ytd only)* | 81.6162% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,153 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 4,548 |
| Noncurrent loans to loans | 0.1261% | 4,344 |
| Net loans and leases to total assets | 73.0649% | 2,103 |
| Net loans and leases to deposits | 82.3062% | 2,738 |
| Net loans and leases to core deposits | 83.6248% | 3,111 |
| Total domestic deposits to total assets | 88.7721% | 1,026 |
| Equity capital to assets | 9.9974% | 3,621 |
| Core capital (leverage) ratio | 10.0618% | 3,516 |
| Tier 1 risk-based capital ratio | 12.9249% | 3,933 |
| Total risk-based capital ratio | 14.1407% | 3,873 |
| Memoranda: | ||
| Average total assets | $81,713,000 | 4,483 |
| Average earning assets | $77,113,000 | 4,453 |
| Average equity | $7,979,000 | 4,698 |
| Average total loans | $59,786,670 | 4,166 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 2,938 |
| Cost of funding earning assets | 0.2936% | 4,399 |
| Net interest margin | 3.8883% | 2,091 |
| Noninterest income to average assets | 0.4807% | 2,935 |
| Noninterest expense to average assets | 2.7918% | 2,716 |
| Loan and lease loss provision to assets | 0.1457% | 1,280 |
| Net operating income to assets | 1.1507% | 2,214 |
| Return on assets (ROA) | 1.1507% | 2,224 |
| Pretax return on assets | 1.2090% | 2,712 |
| Return on Equity (ROE) | 11.9230% | 1,602 |
| Retained earnings to average equity (ytd only) | -6.5401% | 5,268 |
| Net charge-offs to loans | 0.0267% | 1,962 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 69.7500% | 775 |
| Efficiency ratio | 67.3302% | 2,950 |
| Assets per employee ($millions) | 4.1277% | 3,761 |
| Cash dividends to net income (ytd only)* | 154.8523% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,385 |
| Loan loss allowance to noncurrent loans | 948.1013% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,614 |
| Noncurrent loans to loans | 0.1343% | 4,363 |
| Net loans and leases to total assets | 70.3669% | 2,417 |
| Net loans and leases to deposits | 77.8739% | 3,030 |
| Net loans and leases to core deposits | 79.3438% | 3,379 |
| Total domestic deposits to total assets | 90.3601% | 515 |
| Equity capital to assets | 9.4933% | 4,097 |
| Core capital (leverage) ratio | 9.1179% | 4,547 |
| Tier 1 risk-based capital ratio | 12.6950% | 4,116 |
| Total risk-based capital ratio | 13.8810% | 4,060 |
| Memoranda: | ||
| Average total assets | $82,384,000 | 4,526 |
| Average earning assets | $77,668,500 | 4,495 |
| Average equity | $7,951,000 | 4,754 |
| Average total loans | $59,931,000 | 4,201 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 3,137 |
| Cost of funding earning assets | 0.2959% | 4,180 |
| Net interest margin | 3.7826% | 2,492 |
| Noninterest income to average assets | 0.5139% | 2,917 |
| Noninterest expense to average assets | 3.0078% | 2,150 |
| Loan and lease loss provision to assets | 0.0743% | 2,717 |
| Net operating income to assets | 0.9944% | 2,273 |
| Return on assets (ROA) | 0.9956% | 2,302 |
| Pretax return on assets | 1.0104% | 3,527 |
| Return on Equity (ROE) | 10.1697% | 1,818 |
| Retained earnings to average equity (ytd only) | 3.7441% | 2,984 |
| Net charge-offs to loans | 0.0204% | 3,425 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 72.9167% | 823 |
| Efficiency ratio | 73.5169% | 1,979 |
| Assets per employee ($millions) | 3.9150% | 4,103 |
| Cash dividends to net income (ytd only)* | 63.1841% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,867 |
| Loan loss allowance to noncurrent loans | 850.5882% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 4,615 |
| Noncurrent loans to loans | 0.1393% | 4,368 |
| Net loans and leases to total assets | 73.3443% | 2,037 |
| Net loans and leases to deposits | 81.6122% | 2,758 |
| Net loans and leases to core deposits | 83.1655% | 3,140 |
| Total domestic deposits to total assets | 89.8692% | 612 |
| Equity capital to assets | 9.8096% | 3,903 |
| Core capital (leverage) ratio | 9.7753% | 3,720 |
| Tier 1 risk-based capital ratio | 12.6591% | 4,112 |
| Total risk-based capital ratio | 13.7825% | 4,086 |
| Memoranda: | ||
| Average total assets | $80,756,200 | 4,577 |
| Average earning assets | $76,376,600 | 4,532 |
| Average equity | $7,905,800 | 4,797 |
| Average total loans | $58,868,800 | 4,227 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 3,236 |
| Cost of funding earning assets | 0.2926% | 4,203 |
| Net interest margin | 3.7394% | 2,620 |
| Noninterest income to average assets | 0.5042% | 3,005 |
| Noninterest expense to average assets | 2.8825% | 2,466 |
| Loan and lease loss provision to assets | 0.0995% | 2,123 |
| Net operating income to assets | 1.0416% | 2,367 |
| Return on assets (ROA) | 1.0432% | 2,399 |
| Pretax return on assets | 1.0631% | 3,448 |
| Return on Equity (ROE) | 10.6617% | 1,840 |
| Retained earnings to average equity (ytd only) | 3.9494% | 3,569 |
| Net charge-offs to loans | 0.0229% | 3,003 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 70.0158% | 892 |
| Efficiency ratio | 71.2879% | 2,328 |
| Assets per employee ($millions) | 4.1420% | 3,755 |
| Cash dividends to net income (ytd only)* | 62.9571% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,927 |
| Loan loss allowance to noncurrent loans | 873.4940% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 4,737 |
| Noncurrent loans to loans | 0.1375% | 4,504 |
| Net loans and leases to total assets | 71.9975% | 2,255 |
| Net loans and leases to deposits | 79.9533% | 2,981 |
| Net loans and leases to core deposits | 81.4581% | 3,334 |
| Total domestic deposits to total assets | 90.0494% | 455 |
| Equity capital to assets | 9.7997% | 4,149 |
| Core capital (leverage) ratio | 9.9250% | 3,661 |
| Tier 1 risk-based capital ratio | 12.6881% | 4,215 |
| Total risk-based capital ratio | 13.8261% | 4,179 |
| Memoranda: | ||
| Average total assets | $80,391,500 | 4,627 |
| Average earning assets | $76,088,500 | 4,579 |
| Average equity | $7,866,000 | 4,852 |
| Average total loans | $58,330,250 | 4,280 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,206 |
| Cost of funding earning assets | 0.2916% | 4,167 |
| Net interest margin | 3.7084% | 2,629 |
| Noninterest income to average assets | 0.5002% | 3,026 |
| Noninterest expense to average assets | 2.8853% | 2,474 |
| Loan and lease loss provision to assets | 0.1508% | 1,340 |
| Net operating income to assets | 0.9501% | 2,660 |
| Return on assets (ROA) | 0.9526% | 2,703 |
| Pretax return on assets | 0.9827% | 3,627 |
| Return on Equity (ROE) | 9.7404% | 2,150 |
| Retained earnings to average equity (ytd only) | -0.4369% | 5,154 |
| Net charge-offs to loans | 0.0312% | 2,576 |
| Credit loss provision to net charge-offs | 666.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,074 |
| Efficiency ratio | 71.8398% | 2,369 |
| Assets per employee ($millions) | 3.7544% | 4,350 |
| Cash dividends to net income (ytd only)* | 104.4855% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 2,721 |
| Loan loss allowance to noncurrent loans | 636.8421% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,598 |
| Noncurrent loans to loans | 0.1956% | 4,336 |
| Net loans and leases to total assets | 73.0046% | 2,041 |
| Net loans and leases to deposits | 81.2624% | 2,769 |
| Net loans and leases to core deposits | 82.8736% | 3,185 |
| Total domestic deposits to total assets | 89.8380% | 585 |
| Equity capital to assets | 9.9857% | 3,929 |
| Core capital (leverage) ratio | 9.7393% | 3,850 |
| Tier 1 risk-based capital ratio | 12.7785% | 4,136 |
| Total risk-based capital ratio | 13.9627% | 4,087 |
| Memoranda: | ||
| Average total assets | $79,575,670 | 4,671 |
| Average earning assets | $75,450,000 | 4,624 |
| Average equity | $7,782,000 | 4,892 |
| Average total loans | $57,651,330 | 4,321 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8979% | 3,409 |
| Cost of funding earning assets | 0.2848% | 4,199 |
| Net interest margin | 3.6131% | 2,836 |
| Noninterest income to average assets | 0.4753% | 3,148 |
| Noninterest expense to average assets | 2.8471% | 2,623 |
| Loan and lease loss provision to assets | 0.1501% | 1,236 |
| Net operating income to assets | 0.8456% | 3,009 |
| Return on assets (ROA) | 0.8456% | 3,053 |
| Pretax return on assets | 0.9057% | 3,750 |
| Return on Equity (ROE) | 8.7378% | 2,545 |
| Retained earnings to average equity (ytd only) | -9.7719% | 5,575 |
| Net charge-offs to loans | 0.0140% | 2,524 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 105.5000% | 514 |
| Efficiency ratio | 72.9487% | 2,414 |
| Assets per employee ($millions) | 3.9398% | 4,110 |
| Cash dividends to net income (ytd only)* | 211.8343% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,773 |
| Loan loss allowance to noncurrent loans | 585.8333% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 4,600 |
| Noncurrent loans to loans | 0.2146% | 4,339 |
| Net loans and leases to total assets | 66.7291% | 2,855 |
| Net loans and leases to deposits | 73.6572% | 3,435 |
| Net loans and leases to core deposits | 75.2997% | 3,713 |
| Total domestic deposits to total assets | 90.5942% | 432 |
| Equity capital to assets | 9.2608% | 4,553 |
| Core capital (leverage) ratio | 9.4573% | 4,166 |
| Tier 1 risk-based capital ratio | 13.1555% | 3,991 |
| Total risk-based capital ratio | 14.3625% | 3,917 |
| Memoranda: | ||
| Average total assets | $79,942,000 | 4,713 |
| Average earning assets | $75,836,000 | 4,659 |
| Average equity | $7,736,500 | 4,940 |
| Average total loans | $57,334,500 | 4,370 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 3,356 |
| Cost of funding earning assets | 0.3037% | 4,029 |
| Net interest margin | 3.6531% | 2,876 |
| Noninterest income to average assets | 0.4909% | 3,293 |
| Noninterest expense to average assets | 2.8266% | 2,938 |
| Loan and lease loss provision to assets | 0.0736% | 2,884 |
| Net operating income to assets | 1.0371% | 2,203 |
| Return on assets (ROA) | 1.0359% | 2,303 |
| Pretax return on assets | 1.0445% | 3,314 |
| Return on Equity (ROE) | 10.9545% | 1,594 |
| Retained earnings to average equity (ytd only) | 5.1268% | 2,260 |
| Net charge-offs to loans | 0.0264% | 3,506 |
| Credit loss provision to net charge-offs | 400.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 60.8000% | 878 |
| Efficiency ratio | 71.6330% | 2,642 |
| Assets per employee ($millions) | 3.8574% | 4,213 |
| Cash dividends to net income (ytd only)* | 53.1991% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 3,437 |
| Loan loss allowance to noncurrent loans | 544.3548% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 4,599 |
| Noncurrent loans to loans | 0.2110% | 4,397 |
| Net loans and leases to total assets | 75.2865% | 1,637 |
| Net loans and leases to deposits | 88.8389% | 1,825 |
| Net loans and leases to core deposits | 91.1133% | 2,389 |
| Total domestic deposits to total assets | 84.7449% | 3,157 |
| Equity capital to assets | 10.1247% | 3,577 |
| Core capital (leverage) ratio | 9.5933% | 3,973 |
| Tier 1 risk-based capital ratio | 12.6161% | 4,314 |
| Total risk-based capital ratio | 13.7008% | 4,298 |
| Memoranda: | ||
| Average total assets | $81,475,800 | 4,706 |
| Average earning assets | $77,058,000 | 4,645 |
| Average equity | $7,704,600 | 4,980 |
| Average total loans | $56,800,400 | 4,388 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 3,610 |
| Cost of funding earning assets | 0.3039% | 4,054 |
| Net interest margin | 3.5885% | 3,115 |
| Noninterest income to average assets | 0.4910% | 3,316 |
| Noninterest expense to average assets | 2.6163% | 3,607 |
| Loan and lease loss provision to assets | 0.0727% | 2,758 |
| Net operating income to assets | 1.1854% | 1,691 |
| Return on assets (ROA) | 1.1838% | 1,797 |
| Pretax return on assets | 1.1951% | 2,858 |
| Return on Equity (ROE) | 12.7287% | 1,120 |
| Retained earnings to average equity (ytd only) | 6.8767% | 1,687 |
| Net charge-offs to loans | 0.0355% | 2,920 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 52.3985% | 1,037 |
| Efficiency ratio | 67.3317% | 3,352 |
| Assets per employee ($millions) | 4.0999% | 3,787 |
| Cash dividends to net income (ytd only)* | 45.9752% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,596 |
| Loan loss allowance to noncurrent loans | 1,118.6441% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 5,147 |
| Noncurrent loans to loans | 0.1021% | 4,928 |
| Net loans and leases to total assets | 69.6578% | 2,540 |
| Net loans and leases to deposits | 77.3255% | 3,261 |
| Net loans and leases to core deposits | 83.7090% | 3,156 |
| Total domestic deposits to total assets | 90.0839% | 455 |
| Equity capital to assets | 9.7624% | 4,407 |
| Core capital (leverage) ratio | 9.9304% | 3,659 |
| Tier 1 risk-based capital ratio | 12.8711% | 4,239 |
| Total risk-based capital ratio | 13.9530% | 4,249 |
| Memoranda: | ||
| Average total assets | $82,557,750 | 4,715 |
| Average earning assets | $78,099,750 | 4,659 |
| Average equity | $7,678,000 | 5,033 |
| Average total loans | $56,311,250 | 4,435 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 3,761 |
| Cost of funding earning assets | 0.3091% | 4,028 |
| Net interest margin | 3.5452% | 3,307 |
| Noninterest income to average assets | 0.4641% | 3,436 |
| Noninterest expense to average assets | 2.6080% | 3,697 |
| Loan and lease loss provision to assets | 0.0725% | 2,685 |
| Net operating income to assets | 1.1215% | 1,880 |
| Return on assets (ROA) | 1.1191% | 2,006 |
| Pretax return on assets | 1.1360% | 3,055 |
| Return on Equity (ROE) | 12.2341% | 1,231 |
| Retained earnings to average equity (ytd only) | 3.3294% | 3,776 |
| Net charge-offs to loans | 0.0287% | 2,909 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 62.6250% | 849 |
| Efficiency ratio | 68.2911% | 3,280 |
| Assets per employee ($millions) | 3.8466% | 4,174 |
| Cash dividends to net income (ytd only)* | 72.7862% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,526 |
| Loan loss allowance to noncurrent loans | 1,516.2791% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 5,345 |
| Noncurrent loans to loans | 0.0771% | 5,140 |
| Net loans and leases to total assets | 68.2083% | 2,750 |
| Net loans and leases to deposits | 75.6041% | 3,423 |
| Net loans and leases to core deposits | 81.9301% | 3,276 |
| Total domestic deposits to total assets | 90.2178% | 405 |
| Equity capital to assets | 9.6151% | 4,649 |
| Core capital (leverage) ratio | 8.8675% | 4,982 |
| Tier 1 risk-based capital ratio | 12.9676% | 4,222 |
| Total risk-based capital ratio | 14.0827% | 4,210 |
| Memoranda: | ||
| Average total assets | $82,744,330 | 4,750 |
| Average earning assets | $78,304,000 | 4,695 |
| Average equity | $7,569,000 | 5,096 |
| Average total loans | $55,822,330 | 4,477 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 3,943 |
| Cost of funding earning assets | 0.3128% | 4,031 |
| Net interest margin | 3.4864% | 3,524 |
| Noninterest income to average assets | 0.4921% | 3,178 |
| Noninterest expense to average assets | 2.5034% | 4,060 |
| Loan and lease loss provision to assets | 0.0717% | 2,522 |
| Net operating income to assets | 1.1511% | 1,706 |
| Return on assets (ROA) | 1.1466% | 1,839 |
| Pretax return on assets | 1.2135% | 2,647 |
| Return on Equity (ROE) | 12.8514% | 1,066 |
| Retained earnings to average equity (ytd only) | -3.2129% | 5,493 |
| Net charge-offs to loans | 0.0358% | 2,262 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 834 |
| Efficiency ratio | 65.9950% | 3,803 |
| Assets per employee ($millions) | 4.4558% | 3,151 |
| Cash dividends to net income (ytd only)* | 125.0000% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 3,747 |
| Loan loss allowance to noncurrent loans | 1,361.7021% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 5,407 |
| Noncurrent loans to loans | 0.0847% | 5,138 |
| Net loans and leases to total assets | 61.5362% | 3,589 |
| Net loans and leases to deposits | 67.2818% | 4,126 |
| Net loans and leases to core deposits | 68.6505% | 4,346 |
| Total domestic deposits to total assets | 91.4605% | 169 |
| Equity capital to assets | 8.4015% | 5,634 |
| Core capital (leverage) ratio | 8.6170% | 5,277 |
| Tier 1 risk-based capital ratio | 12.6471% | 4,489 |
| Total risk-based capital ratio | 13.7415% | 4,491 |
| Memoranda: | ||
| Average total assets | $83,727,000 | 4,770 |
| Average earning assets | $79,280,500 | 4,723 |
| Average equity | $7,470,000 | 5,145 |
| Average total loans | $55,858,500 | 4,500 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,253 |
| Cost of funding earning assets | 0.2998% | 4,251 |
| Net interest margin | 3.4350% | 3,779 |
| Noninterest income to average assets | 0.4422% | 3,730 |
| Noninterest expense to average assets | 2.7013% | 3,574 |
| Loan and lease loss provision to assets | 0.0719% | 2,831 |
| Net operating income to assets | 0.9096% | 2,813 |
| Return on assets (ROA) | 0.9096% | 2,896 |
| Pretax return on assets | 0.9096% | 3,797 |
| Return on Equity (ROE) | 10.4061% | 1,841 |
| Retained earnings to average equity (ytd only) | 5.1002% | 2,350 |
| Net charge-offs to loans | 0.0356% | 3,500 |
| Credit loss provision to net charge-offs | 315.7895% | 941 |
| Earnings coverage of net charge-offs (x) | 43.1053% | 1,105 |
| Efficiency ratio | 73.3485% | 2,683 |
| Assets per employee ($millions) | 3.7304% | 4,411 |
| Cash dividends to net income (ytd only)* | 50.9881% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,924 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 5,433 |
| Noncurrent loans to loans | 0.0800% | 5,178 |
| Net loans and leases to total assets | 70.9851% | 2,202 |
| Net loans and leases to deposits | 80.5659% | 2,758 |
| Net loans and leases to core deposits | 82.5047% | 3,094 |
| Total domestic deposits to total assets | 88.1081% | 1,573 |
| Equity capital to assets | 9.5138% | 4,536 |
| Core capital (leverage) ratio | 9.0707% | 4,795 |
| Tier 1 risk-based capital ratio | 12.9420% | 4,362 |
| Total risk-based capital ratio | 14.0355% | 4,358 |
| Memoranda: | ||
| Average total assets | $83,440,400 | 4,801 |
| Average earning assets | $78,719,000 | 4,749 |
| Average equity | $7,293,800 | 5,190 |
| Average total loans | $53,429,600 | 4,567 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6403% | 4,605 |
| Cost of funding earning assets | 0.2917% | 4,434 |
| Net interest margin | 3.3486% | 4,148 |
| Noninterest income to average assets | 0.4249% | 3,901 |
| Noninterest expense to average assets | 2.4835% | 4,248 |
| Loan and lease loss provision to assets | 0.0708% | 2,767 |
| Net operating income to assets | 1.0324% | 2,316 |
| Return on assets (ROA) | 1.0324% | 2,408 |
| Pretax return on assets | 1.0324% | 3,495 |
| Return on Equity (ROE) | 12.0573% | 1,356 |
| Retained earnings to average equity (ytd only) | 7.1132% | 1,634 |
| Net charge-offs to loans | 0.0405% | 3,080 |
| Credit loss provision to net charge-offs | 281.2500% | 1,025 |
| Earnings coverage of net charge-offs (x) | 43.8181% | 1,151 |
| Efficiency ratio | 69.2409% | 3,335 |
| Assets per employee ($millions) | 4.3069% | 3,309 |
| Cash dividends to net income (ytd only)* | 41.0066% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,987 |
| Loan loss allowance to noncurrent loans | 1,103.5714% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 5,510 |
| Noncurrent loans to loans | 0.1035% | 5,221 |
| Net loans and leases to total assets | 62.1120% | 3,588 |
| Net loans and leases to deposits | 68.1823% | 4,177 |
| Net loans and leases to core deposits | 69.3939% | 4,425 |
| Total domestic deposits to total assets | 91.0968% | 225 |
| Equity capital to assets | 8.7546% | 5,530 |
| Core capital (leverage) ratio | 8.7132% | 5,336 |
| Tier 1 risk-based capital ratio | 13.7394% | 3,999 |
| Total risk-based capital ratio | 14.8761% | 3,996 |
| Memoranda: | ||
| Average total assets | $84,715,750 | 4,829 |
| Average earning assets | $79,991,500 | 4,777 |
| Average equity | $7,254,000 | 5,265 |
| Average total loans | $52,727,250 | 4,638 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6115% | 4,689 |
| Cost of funding earning assets | 0.2873% | 4,533 |
| Net interest margin | 3.3242% | 4,196 |
| Noninterest income to average assets | 0.4202% | 3,917 |
| Noninterest expense to average assets | 2.3812% | 4,614 |
| Loan and lease loss provision to assets | 0.0712% | 2,691 |
| Net operating income to assets | 1.0992% | 1,960 |
| Return on assets (ROA) | 1.0992% | 2,050 |
| Pretax return on assets | 1.0992% | 3,177 |
| Return on Equity (ROE) | 12.9360% | 1,126 |
| Retained earnings to average equity (ytd only) | 5.4203% | 2,587 |
| Net charge-offs to loans | 0.0459% | 2,777 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 41.0833% | 1,117 |
| Efficiency ratio | 67.0455% | 3,832 |
| Assets per employee ($millions) | 4.0715% | 3,741 |
| Cash dividends to net income (ytd only)* | 58.0994% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 4,027 |
| Loan loss allowance to noncurrent loans | 1,556.4103% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,678 |
| Noncurrent loans to loans | 0.0745% | 5,432 |
| Net loans and leases to total assets | 60.4945% | 3,757 |
| Net loans and leases to deposits | 66.2338% | 4,317 |
| Net loans and leases to core deposits | 67.4139% | 4,538 |
| Total domestic deposits to total assets | 91.3347% | 224 |
| Equity capital to assets | 8.5051% | 5,681 |
| Core capital (leverage) ratio | 8.4703% | 5,560 |
| Tier 1 risk-based capital ratio | 13.8819% | 3,987 |
| Total risk-based capital ratio | 15.0397% | 3,975 |
| Memoranda: | ||
| Average total assets | $84,241,670 | 4,889 |
| Average earning assets | $79,357,000 | 4,840 |
| Average equity | $7,158,330 | 5,329 |
| Average total loans | $52,263,000 | 4,698 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6139% | 4,642 |
| Cost of funding earning assets | 0.2850% | 4,610 |
| Net interest margin | 3.3288% | 4,099 |
| Noninterest income to average assets | 0.4210% | 3,836 |
| Noninterest expense to average assets | 2.3059% | 4,863 |
| Loan and lease loss provision to assets | 0.0718% | 2,508 |
| Net operating income to assets | 1.1721% | 1,626 |
| Return on assets (ROA) | 1.1721% | 1,731 |
| Pretax return on assets | 1.1721% | 2,772 |
| Return on Equity (ROE) | 13.7999% | 913 |
| Retained earnings to average equity (ytd only) | 0.7322% | 5,161 |
| Net charge-offs to loans | 0.0383% | 2,449 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 814 |
| Efficiency ratio | 64.9596% | 4,325 |
| Assets per employee ($millions) | 4.6775% | 2,798 |
| Cash dividends to net income (ytd only)* | 94.6939% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 4,129 |
| Loan loss allowance to noncurrent loans | 1,932.2581% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 5,798 |
| Noncurrent loans to loans | 0.0607% | 5,537 |
| Net loans and leases to total assets | 56.7675% | 4,114 |
| Net loans and leases to deposits | 61.8363% | 4,589 |
| Net loans and leases to core deposits | 62.8900% | 4,785 |
| Total domestic deposits to total assets | 91.8029% | 175 |
| Equity capital to assets | 8.0576% | 6,004 |
| Core capital (leverage) ratio | 7.9332% | 5,977 |
| Tier 1 risk-based capital ratio | 13.7691% | 4,171 |
| Total risk-based capital ratio | 14.9312% | 4,139 |
| Memoranda: | ||
| Average total assets | $83,611,500 | 4,953 |
| Average earning assets | $78,586,500 | 4,903 |
| Average equity | $7,101,500 | 5,385 |
| Average total loans | $52,229,000 | 4,728 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 4,701 |
| Cost of funding earning assets | 0.3971% | 3,724 |
| Net interest margin | 3.3344% | 4,458 |
| Noninterest income to average assets | 0.4667% | 3,738 |
| Noninterest expense to average assets | 2.6445% | 4,073 |
| Loan and lease loss provision to assets | 0.1505% | 1,744 |
| Net operating income to assets | 0.7427% | 3,664 |
| Return on assets (ROA) | 0.7427% | 3,766 |
| Pretax return on assets | 0.8004% | 4,259 |
| Return on Equity (ROE) | 8.5979% | 2,791 |
| Retained earnings to average equity (ytd only) | 6.4339% | 1,691 |
| Net charge-offs to loans | 0.0225% | 4,393 |
| Credit loss provision to net charge-offs | 1,090.9091% | 257 |
| Earnings coverage of net charge-offs (x) | 68.9091% | 717 |
| Efficiency ratio | 73.5520% | 2,916 |
| Assets per employee ($millions) | 4.1237% | 3,675 |
| Cash dividends to net income (ytd only)* | 25.1689% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 4,527 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 5,878 |
| Noncurrent loans to loans | 0.0580% | 5,648 |
| Net loans and leases to total assets | 67.4142% | 2,664 |
| Net loans and leases to deposits | 74.4391% | 3,378 |
| Net loans and leases to core deposits | 75.8981% | 3,718 |
| Total domestic deposits to total assets | 90.5629% | 514 |
| Equity capital to assets | 8.9879% | 5,308 |
| Core capital (leverage) ratio | 8.8208% | 5,225 |
| Tier 1 risk-based capital ratio | 13.5792% | 4,360 |
| Total risk-based capital ratio | 14.7083% | 4,377 |
| Memoranda: | ||
| Average total assets | $79,712,000 | 5,069 |
| Average earning assets | $74,795,000 | 5,022 |
| Average equity | $6,885,400 | 5,443 |
| Average total loans | $48,977,200 | 4,856 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6509% | 4,999 |
| Cost of funding earning assets | 0.4098% | 3,684 |
| Net interest margin | 3.2411% | 4,820 |
| Noninterest income to average assets | 0.4680% | 3,748 |
| Noninterest expense to average assets | 2.4966% | 4,537 |
| Loan and lease loss provision to assets | 0.1499% | 1,659 |
| Net operating income to assets | 0.9394% | 2,737 |
| Return on assets (ROA) | 0.9394% | 2,823 |
| Pretax return on assets | 0.8644% | 4,126 |
| Return on Equity (ROE) | 10.9838% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.2633% | 644 |
| Net charge-offs to loans | 0.0278% | 3,940 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 60.9137% | 852 |
| Efficiency ratio | 71.1101% | 3,326 |
| Assets per employee ($millions) | 4.5063% | 2,959 |
| Cash dividends to net income (ytd only)* | 6.5600% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 4,566 |
| Loan loss allowance to noncurrent loans | 602.1505% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 5,705 |
| Noncurrent loans to loans | 0.1891% | 5,342 |
| Net loans and leases to total assets | 59.9453% | 3,791 |
| Net loans and leases to deposits | 65.8362% | 4,345 |
| Net loans and leases to core deposits | 67.0741% | 4,601 |
| Total domestic deposits to total assets | 91.0521% | 350 |
| Equity capital to assets | 8.7815% | 5,565 |
| Core capital (leverage) ratio | 8.6171% | 5,536 |
| Tier 1 risk-based capital ratio | 14.9770% | 3,603 |
| Total risk-based capital ratio | 16.1471% | 3,582 |
| Memoranda: | ||
| Average total assets | $80,052,500 | 5,123 |
| Average earning assets | $75,157,500 | 5,063 |
| Average equity | $6,846,250 | 5,503 |
| Average total loans | $47,869,500 | 4,938 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 5,145 |
| Cost of funding earning assets | 0.4211% | 3,643 |
| Net interest margin | 3.1812% | 5,005 |
| Noninterest income to average assets | 0.4467% | 3,896 |
| Noninterest expense to average assets | 2.4542% | 4,717 |
| Loan and lease loss provision to assets | 0.1506% | 1,635 |
| Net operating income to assets | 0.9310% | 2,648 |
| Return on assets (ROA) | 0.9310% | 2,750 |
| Pretax return on assets | 0.8181% | 4,202 |
| Return on Equity (ROE) | 10.9861% | 1,747 |
| Retained earnings to average equity (ytd only) | 9.8904% | 741 |
| Net charge-offs to loans | 0.0337% | 3,532 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 48.2500% | 930 |
| Efficiency ratio | 71.7009% | 3,393 |
| Assets per employee ($millions) | 4.4635% | 2,981 |
| Cash dividends to net income (ytd only)* | 9.9730% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 4,930 |
| Loan loss allowance to noncurrent loans | 901.6949% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 5,963 |
| Noncurrent loans to loans | 0.1215% | 5,652 |
| Net loans and leases to total assets | 56.6139% | 4,172 |
| Net loans and leases to deposits | 61.7875% | 4,715 |
| Net loans and leases to core deposits | 62.8882% | 4,910 |
| Total domestic deposits to total assets | 91.6268% | 231 |
| Equity capital to assets | 8.1975% | 6,028 |
| Core capital (leverage) ratio | 8.2583% | 5,881 |
| Tier 1 risk-based capital ratio | 14.9367% | 3,676 |
| Total risk-based capital ratio | 16.0760% | 3,677 |
| Memoranda: | ||
| Average total assets | $79,698,670 | 5,164 |
| Average earning assets | $74,562,000 | 5,121 |
| Average equity | $6,754,000 | 5,544 |
| Average total loans | $47,431,330 | 4,984 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 5,063 |
| Cost of funding earning assets | 0.4240% | 3,712 |
| Net interest margin | 3.2077% | 4,900 |
| Noninterest income to average assets | 0.4511% | 3,781 |
| Noninterest expense to average assets | 2.4681% | 4,724 |
| Loan and lease loss provision to assets | 0.1556% | 1,558 |
| Net operating income to assets | 1.0422% | 2,032 |
| Return on assets (ROA) | 1.0422% | 2,109 |
| Pretax return on assets | 0.8089% | 4,072 |
| Return on Equity (ROE) | 12.0811% | 1,388 |
| Retained earnings to average equity (ytd only) | 12.0811% | 596 |
| Net charge-offs to loans | 0.0853% | 2,301 |
| Credit loss provision to net charge-offs | 300.0000% | 788 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,411 |
| Efficiency ratio | 71.9033% | 3,503 |
| Assets per employee ($millions) | 4.5105% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 5,199 |
| Loan loss allowance to noncurrent loans | 324.6753% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 5,687 |
| Noncurrent loans to loans | 0.3331% | 5,116 |
| Net loans and leases to total assets | 53.3600% | 4,504 |
| Net loans and leases to deposits | 58.0384% | 4,937 |
| Net loans and leases to core deposits | 59.0577% | 5,118 |
| Total domestic deposits to total assets | 91.9392% | 256 |
| Equity capital to assets | 7.8881% | 6,130 |
| Core capital (leverage) ratio | 8.0952% | 6,045 |
| Tier 1 risk-based capital ratio | 15.3219% | 3,543 |
| Total risk-based capital ratio | 16.4416% | 3,575 |
| Memoranda: | ||
| Average total assets | $77,145,000 | 5,275 |
| Average earning assets | $71,702,000 | 5,238 |
| Average equity | $6,655,000 | 5,602 |
| Average total loans | $46,875,000 | 5,050 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 4,138 |
| Cost of funding earning assets | 0.5240% | 3,361 |
| Net interest margin | 3.4590% | 4,062 |
| Noninterest income to average assets | 0.5311% | 3,543 |
| Noninterest expense to average assets | 2.8678% | 3,466 |
| Loan and lease loss provision to assets | 0.0910% | 3,288 |
| Net operating income to assets | 0.5110% | 4,687 |
| Return on assets (ROA) | 0.5228% | 4,757 |
| Pretax return on assets | 0.7863% | 4,201 |
| Return on Equity (ROE) | 5.7627% | 4,235 |
| Retained earnings to average equity (ytd only) | 3.1930% | 3,960 |
| Net charge-offs to loans | 0.2235% | 2,674 |
| Credit loss provision to net charge-offs | 64.7059% | 3,434 |
| Earnings coverage of net charge-offs (x) | 6.1078% | 3,125 |
| Efficiency ratio | 76.9430% | 2,629 |
| Assets per employee ($millions) | 3.4296% | 5,022 |
| Cash dividends to net income (ytd only)* | 44.5910% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 5,512 |
| Loan loss allowance to noncurrent loans | 289.1566% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 5,551 |
| Noncurrent loans to loans | 0.3493% | 5,140 |
| Net loans and leases to total assets | 68.5819% | 2,242 |
| Net loans and leases to deposits | 76.0283% | 2,963 |
| Net loans and leases to core deposits | 77.4134% | 3,435 |
| Total domestic deposits to total assets | 90.2057% | 964 |
| Equity capital to assets | 9.5494% | 4,347 |
| Core capital (leverage) ratio | 9.4946% | 4,281 |
| Tier 1 risk-based capital ratio | 14.4097% | 4,010 |
| Total risk-based capital ratio | 15.4512% | 4,095 |
| Memoranda: | ||
| Average total assets | $72,495,000 | 5,405 |
| Average earning assets | $66,985,000 | 5,376 |
| Average equity | $6,576,800 | 5,677 |
| Average total loans | $45,643,600 | 5,128 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 4,364 |
| Cost of funding earning assets | 0.5354% | 3,414 |
| Net interest margin | 3.4007% | 4,283 |
| Noninterest income to average assets | 0.5481% | 3,475 |
| Noninterest expense to average assets | 2.7457% | 3,847 |
| Loan and lease loss provision to assets | 0.0653% | 3,752 |
| Net operating income to assets | 0.5402% | 4,618 |
| Return on assets (ROA) | 0.5553% | 4,706 |
| Pretax return on assets | 0.9074% | 3,847 |
| Return on Equity (ROE) | 6.1972% | 4,081 |
| Retained earnings to average equity (ytd only) | 5.4479% | 2,758 |
| Net charge-offs to loans | 0.2155% | 2,536 |
| Credit loss provision to net charge-offs | 49.3151% | 3,525 |
| Earnings coverage of net charge-offs (x) | 7.1645% | 2,836 |
| Efficiency ratio | 74.3124% | 3,012 |
| Assets per employee ($millions) | 3.5937% | 4,660 |
| Cash dividends to net income (ytd only)* | 12.0910% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 5,403 |
| Loan loss allowance to noncurrent loans | 270.6215% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 5,662 |
| Noncurrent loans to loans | 0.3991% | 5,195 |
| Net loans and leases to total assets | 64.2536% | 2,961 |
| Net loans and leases to deposits | 71.6364% | 3,557 |
| Net loans and leases to core deposits | 73.2584% | 3,940 |
| Total domestic deposits to total assets | 89.6941% | 1,174 |
| Equity capital to assets | 9.7143% | 4,289 |
| Core capital (leverage) ratio | 8.9103% | 5,251 |
| Tier 1 risk-based capital ratio | 15.0577% | 3,717 |
| Total risk-based capital ratio | 16.1343% | 3,779 |
| Memoranda: | ||
| Average total assets | $73,471,000 | 5,442 |
| Average earning assets | $67,983,500 | 5,406 |
| Average equity | $6,583,500 | 5,744 |
| Average total loans | $45,174,250 | 5,195 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 4,551 |
| Cost of funding earning assets | 0.5303% | 3,602 |
| Net interest margin | 3.3487% | 4,380 |
| Noninterest income to average assets | 0.5425% | 3,553 |
| Noninterest expense to average assets | 2.6622% | 4,174 |
| Loan and lease loss provision to assets | 0.0638% | 3,741 |
| Net operating income to assets | 0.5523% | 4,542 |
| Return on assets (ROA) | 0.5745% | 4,598 |
| Pretax return on assets | 0.9415% | 3,742 |
| Return on Equity (ROE) | 6.5783% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.4515% | 2,773 |
| Net charge-offs to loans | 0.0308% | 4,258 |
| Credit loss provision to net charge-offs | 342.8571% | 760 |
| Earnings coverage of net charge-offs (x) | 52.1429% | 781 |
| Efficiency ratio | 73.2796% | 3,265 |
| Assets per employee ($millions) | 3.7742% | 4,256 |
| Cash dividends to net income (ytd only)* | 17.1296% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 4,984 |
| Loan loss allowance to noncurrent loans | 288.1081% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 5,752 |
| Noncurrent loans to loans | 0.4171% | 5,213 |
| Net loans and leases to total assets | 58.0560% | 3,976 |
| Net loans and leases to deposits | 63.8215% | 4,531 |
| Net loans and leases to core deposits | 64.8653% | 4,806 |
| Total domestic deposits to total assets | 90.9663% | 555 |
| Equity capital to assets | 8.6177% | 5,649 |
| Core capital (leverage) ratio | 8.5767% | 5,580 |
| Tier 1 risk-based capital ratio | 14.9830% | 3,788 |
| Total risk-based capital ratio | 16.1913% | 3,777 |
| Memoranda: | ||
| Average total assets | $75,201,000 | 5,433 |
| Average earning assets | $69,401,000 | 5,409 |
| Average equity | $6,567,000 | 5,789 |
| Average total loans | $45,448,330 | 5,211 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 4,358 |
| Cost of funding earning assets | 0.5309% | 3,768 |
| Net interest margin | 3.4014% | 4,108 |
| Noninterest income to average assets | 0.5063% | 3,735 |
| Noninterest expense to average assets | 2.5580% | 4,539 |
| Loan and lease loss provision to assets | 0.0639% | 3,559 |
| Net operating income to assets | 0.6022% | 4,204 |
| Return on assets (ROA) | 0.6022% | 4,359 |
| Pretax return on assets | 0.9912% | 3,391 |
| Return on Equity (ROE) | 6.8506% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.8506% | 2,228 |
| Net charge-offs to loans | 0.0435% | 3,424 |
| Credit loss provision to net charge-offs | 240.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 39.6000% | 797 |
| Efficiency ratio | 70.7965% | 3,823 |
| Assets per employee ($millions) | 4.2474% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,257 |
| Loan loss allowance to noncurrent loans | 726.3889% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 6,321 |
| Noncurrent loans to loans | 0.1628% | 5,988 |
| Net loans and leases to total assets | 54.1679% | 4,384 |
| Net loans and leases to deposits | 59.2990% | 4,875 |
| Net loans and leases to core deposits | 60.2005% | 5,127 |
| Total domestic deposits to total assets | 91.3471% | 399 |
| Equity capital to assets | 8.2279% | 6,234 |
| Core capital (leverage) ratio | 8.1680% | 5,968 |
| Tier 1 risk-based capital ratio | 15.2267% | 3,694 |
| Total risk-based capital ratio | 16.4437% | 3,660 |
| Memoranda: | ||
| Average total assets | $75,059,500 | 5,484 |
| Average earning assets | $68,559,000 | 5,476 |
| Average equity | $6,598,000 | 5,841 |
| Average total loans | $45,994,500 | 5,216 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1151% | 4,893 |
| Cost of funding earning assets | 0.7059% | 3,452 |
| Net interest margin | 3.4091% | 4,849 |
| Noninterest income to average assets | 0.5502% | 3,580 |
| Noninterest expense to average assets | 2.8179% | 3,955 |
| Loan and lease loss provision to assets | 0.0684% | 4,895 |
| Net operating income to assets | 0.5190% | 4,607 |
| Return on assets (ROA) | 0.5365% | 4,793 |
| Pretax return on assets | 0.8636% | 4,057 |
| Return on Equity (ROE) | 6.4459% | 3,938 |
| Retained earnings to average equity (ytd only) | 3.9958% | 3,391 |
| Net charge-offs to loans | -0.0571% | 6,728 |
| Credit loss provision to net charge-offs | -200.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6985% | 2,801 |
| Assets per employee ($millions) | 3.6536% | 4,670 |
| Cash dividends to net income (ytd only)* | 38.0102% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 5,626 |
| Loan loss allowance to noncurrent loans | 63.3129% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 3,699 |
| Noncurrent loans to loans | 1.7067% | 3,057 |
| Net loans and leases to total assets | 68.0458% | 2,172 |
| Net loans and leases to deposits | 76.5799% | 2,708 |
| Net loans and leases to core deposits | 77.5900% | 3,316 |
| Total domestic deposits to total assets | 88.8559% | 1,675 |
| Equity capital to assets | 9.4442% | 4,943 |
| Core capital (leverage) ratio | 9.1286% | 4,690 |
| Tier 1 risk-based capital ratio | 13.9947% | 4,387 |
| Total risk-based capital ratio | 15.1177% | 4,438 |
| Memoranda: | ||
| Average total assets | $73,068,400 | 5,547 |
| Average earning assets | $67,994,000 | 5,492 |
| Average equity | $6,081,400 | 6,000 |
| Average total loans | $43,803,600 | 5,339 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0142% | 5,476 |
| Cost of funding earning assets | 0.7279% | 3,537 |
| Net interest margin | 3.2862% | 5,435 |
| Noninterest income to average assets | 0.5172% | 3,815 |
| Noninterest expense to average assets | 2.6817% | 4,444 |
| Loan and lease loss provision to assets | 0.0901% | 4,478 |
| Net operating income to assets | 0.4960% | 4,856 |
| Return on assets (ROA) | 0.5190% | 5,030 |
| Pretax return on assets | 0.8651% | 4,238 |
| Return on Equity (ROE) | 6.4398% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.6125% | 2,950 |
| Net charge-offs to loans | -0.2055% | 6,995 |
| Credit loss provision to net charge-offs | -75.7576% | 6,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4745% | 2,905 |
| Assets per employee ($millions) | 4.2124% | 3,443 |
| Cash dividends to net income (ytd only)* | 12.8467% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 4,972 |
| Loan loss allowance to noncurrent loans | 222.8000% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 5,865 |
| Noncurrent loans to loans | 0.5682% | 5,302 |
| Net loans and leases to total assets | 57.2958% | 4,243 |
| Net loans and leases to deposits | 63.2041% | 4,813 |
| Net loans and leases to core deposits | 63.9503% | 5,153 |
| Total domestic deposits to total assets | 90.6520% | 538 |
| Equity capital to assets | 8.6938% | 6,109 |
| Core capital (leverage) ratio | 8.4992% | 5,755 |
| Tier 1 risk-based capital ratio | 15.2256% | 3,691 |
| Total risk-based capital ratio | 16.4767% | 3,639 |
| Memoranda: | ||
| Average total assets | $73,981,000 | 5,572 |
| Average earning assets | $69,419,250 | 5,512 |
| Average equity | $5,962,750 | 6,101 |
| Average total loans | $42,816,500 | 5,454 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 5,638 |
| Cost of funding earning assets | 0.7674% | 3,461 |
| Net interest margin | 3.2322% | 5,638 |
| Noninterest income to average assets | 0.5043% | 3,895 |
| Noninterest expense to average assets | 2.6960% | 4,448 |
| Loan and lease loss provision to assets | 0.1363% | 3,814 |
| Net operating income to assets | 0.4135% | 5,169 |
| Return on assets (ROA) | 0.4362% | 5,319 |
| Pretax return on assets | 0.7388% | 4,711 |
| Return on Equity (ROE) | 5.5623% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.2760% | 3,763 |
| Net charge-offs to loans | -0.3112% | 7,075 |
| Credit loss provision to net charge-offs | -75.7576% | 6,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2529% | 2,706 |
| Assets per employee ($millions) | 3.8517% | 4,196 |
| Cash dividends to net income (ytd only)* | 23.1250% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 4,924 |
| Loan loss allowance to noncurrent loans | 187.5421% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 5,772 |
| Noncurrent loans to loans | 0.6889% | 5,128 |
| Net loans and leases to total assets | 58.1474% | 4,134 |
| Net loans and leases to deposits | 64.1550% | 4,746 |
| Net loans and leases to core deposits | 64.9392% | 5,112 |
| Total domestic deposits to total assets | 90.6358% | 596 |
| Equity capital to assets | 8.8012% | 5,910 |
| Core capital (leverage) ratio | 8.3323% | 5,867 |
| Tier 1 risk-based capital ratio | 15.1183% | 3,689 |
| Total risk-based capital ratio | 16.3688% | 3,657 |
| Memoranda: | ||
| Average total assets | $73,366,670 | 5,624 |
| Average earning assets | $68,807,670 | 5,564 |
| Average equity | $5,753,000 | 6,183 |
| Average total loans | $42,421,670 | 5,497 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 5,848 |
| Cost of funding earning assets | 0.7842% | 3,591 |
| Net interest margin | 3.1891% | 5,811 |
| Noninterest income to average assets | 0.5173% | 3,797 |
| Noninterest expense to average assets | 2.6192% | 4,746 |
| Loan and lease loss provision to assets | 0.1634% | 3,348 |
| Net operating income to assets | 0.3975% | 5,269 |
| Return on assets (ROA) | 0.3975% | 5,457 |
| Pretax return on assets | 0.7242% | 4,712 |
| Return on Equity (ROE) | 5.3984% | 4,595 |
| Retained earnings to average equity (ytd only) | 5.3984% | 3,314 |
| Net charge-offs to loans | 0.0095% | 4,595 |
| Credit loss provision to net charge-offs | 3,000.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 222 |
| Efficiency ratio | 74.6894% | 2,993 |
| Assets per employee ($millions) | 4.3209% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,701 |
| Loan loss allowance to noncurrent loans | 190.2834% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 6,096 |
| Noncurrent loans to loans | 0.6057% | 5,448 |
| Net loans and leases to total assets | 51.8232% | 5,045 |
| Net loans and leases to deposits | 56.3389% | 5,565 |
| Net loans and leases to core deposits | 57.6047% | 5,746 |
| Total domestic deposits to total assets | 91.9847% | 259 |
| Equity capital to assets | 7.5422% | 6,764 |
| Core capital (leverage) ratio | 7.2221% | 6,755 |
| Tier 1 risk-based capital ratio | 14.7300% | 3,941 |
| Total risk-based capital ratio | 15.9359% | 3,924 |
| Memoranda: | ||
| Average total assets | $73,458,500 | 5,666 |
| Average earning assets | $68,860,000 | 5,604 |
| Average equity | $5,409,000 | 6,303 |
| Average total loans | $42,077,000 | 5,549 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 3,307 |
| Cost of funding earning assets | 0.9184% | 3,972 |
| Net interest margin | 3.9918% | 2,925 |
| Noninterest income to average assets | 0.5582% | 3,448 |
| Noninterest expense to average assets | 3.2431% | 2,712 |
| Loan and lease loss provision to assets | 0.1871% | 4,315 |
| Net operating income to assets | 0.5616% | 4,178 |
| Return on assets (ROA) | 0.6003% | 4,189 |
| Pretax return on assets | 0.8996% | 3,609 |
| Return on Equity (ROE) | 7.9049% | 2,960 |
| Retained earnings to average equity (ytd only) | 5.4000% | 2,373 |
| Net charge-offs to loans | 0.2013% | 4,535 |
| Credit loss provision to net charge-offs | 139.5349% | 2,118 |
| Earnings coverage of net charge-offs (x) | 7.6744% | 2,291 |
| Efficiency ratio | 75.9124% | 2,901 |
| Assets per employee ($millions) | 3.8412% | 4,223 |
| Cash dividends to net income (ytd only)* | 31.6883% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,135 |
| Loan loss allowance to noncurrent loans | 174.3083% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 6,059 |
| Noncurrent loans to loans | 0.5832% | 5,542 |
| Net loans and leases to total assets | 62.1006% | 3,587 |
| Net loans and leases to deposits | 67.3606% | 4,533 |
| Net loans and leases to core deposits | 69.0616% | 4,901 |
| Total domestic deposits to total assets | 92.1913% | 212 |
| Equity capital to assets | 7.1622% | 6,918 |
| Core capital (leverage) ratio | 7.4453% | 6,679 |
| Tier 1 risk-based capital ratio | 11.7623% | 5,982 |
| Total risk-based capital ratio | 12.8333% | 6,097 |
| Memoranda: | ||
| Average total assets | $64,136,600 | 5,922 |
| Average earning assets | $59,672,000 | 5,873 |
| Average equity | $4,870,400 | 6,486 |
| Average total loans | $42,721,400 | 5,572 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 2,991 |
| Cost of funding earning assets | 0.9582% | 3,978 |
| Net interest margin | 4.0631% | 2,631 |
| Noninterest income to average assets | 0.5661% | 3,402 |
| Noninterest expense to average assets | 3.2969% | 2,502 |
| Loan and lease loss provision to assets | 0.1908% | 4,116 |
| Net operating income to assets | 0.5803% | 4,176 |
| Return on assets (ROA) | 0.6106% | 4,223 |
| Pretax return on assets | 0.8990% | 3,770 |
| Return on Equity (ROE) | 7.9173% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.1200% | 1,905 |
| Net charge-offs to loans | 0.2726% | 3,734 |
| Credit loss provision to net charge-offs | 103.4483% | 3,221 |
| Earnings coverage of net charge-offs (x) | 5.6666% | 2,727 |
| Efficiency ratio | 75.9277% | 2,854 |
| Assets per employee ($millions) | 3.4148% | 5,212 |
| Cash dividends to net income (ytd only)* | 10.0706% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 6,418 |
| Loan loss allowance to noncurrent loans | 158.9147% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 6,031 |
| Noncurrent loans to loans | 0.6048% | 5,678 |
| Net loans and leases to total assets | 68.7296% | 2,327 |
| Net loans and leases to deposits | 78.2493% | 2,932 |
| Net loans and leases to core deposits | 80.5791% | 3,551 |
| Total domestic deposits to total assets | 87.8341% | 2,145 |
| Equity capital to assets | 8.1296% | 6,619 |
| Core capital (leverage) ratio | 7.4326% | 6,798 |
| Tier 1 risk-based capital ratio | 11.4187% | 6,289 |
| Total risk-based capital ratio | 12.3864% | 6,448 |
| Memoranda: | ||
| Average total assets | $62,885,500 | 6,009 |
| Average earning assets | $58,443,000 | 5,959 |
| Average equity | $4,850,000 | 6,548 |
| Average total loans | $42,557,250 | 5,624 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 3,209 |
| Cost of funding earning assets | 0.9528% | 4,295 |
| Net interest margin | 4.0357% | 2,670 |
| Noninterest income to average assets | 0.5240% | 3,669 |
| Noninterest expense to average assets | 3.2987% | 2,570 |
| Loan and lease loss provision to assets | 0.1894% | 4,027 |
| Net operating income to assets | 0.5366% | 4,345 |
| Return on assets (ROA) | 0.5366% | 4,487 |
| Pretax return on assets | 0.7797% | 4,103 |
| Return on Equity (ROE) | 7.0819% | 3,418 |
| Retained earnings to average equity (ytd only) | 5.8738% | 2,504 |
| Net charge-offs to loans | 0.3951% | 2,974 |
| Credit loss provision to net charge-offs | 71.4286% | 4,019 |
| Earnings coverage of net charge-offs (x) | 3.6548% | 3,092 |
| Efficiency ratio | 77.2929% | 2,811 |
| Assets per employee ($millions) | 3.4437% | 5,092 |
| Cash dividends to net income (ytd only)* | 17.0588% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 6,689 |
| Loan loss allowance to noncurrent loans | 144.5283% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 6,136 |
| Noncurrent loans to loans | 0.6149% | 5,694 |
| Net loans and leases to total assets | 65.2759% | 3,191 |
| Net loans and leases to deposits | 71.0460% | 4,285 |
| Net loans and leases to core deposits | 72.9375% | 4,714 |
| Total domestic deposits to total assets | 91.8783% | 262 |
| Equity capital to assets | 7.4706% | 6,963 |
| Core capital (leverage) ratio | 7.6899% | 6,595 |
| Tier 1 risk-based capital ratio | 11.1268% | 6,427 |
| Total risk-based capital ratio | 12.0297% | 6,651 |
| Memoranda: | ||
| Average total assets | $63,358,330 | 6,033 |
| Average earning assets | $58,775,670 | 5,995 |
| Average equity | $4,801,000 | 6,600 |
| Average total loans | $42,524,330 | 5,679 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 2,913 |
| Cost of funding earning assets | 1.0092% | 4,139 |
| Net interest margin | 4.0298% | 2,566 |
| Noninterest income to average assets | 0.4814% | 4,038 |
| Noninterest expense to average assets | 3.2027% | 2,885 |
| Loan and lease loss provision to assets | 0.1925% | 3,703 |
| Net operating income to assets | 0.5520% | 4,264 |
| Return on assets (ROA) | 0.5520% | 4,349 |
| Pretax return on assets | 0.8023% | 3,894 |
| Return on Equity (ROE) | 7.2307% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.2307% | 2,054 |
| Net charge-offs to loans | 0.6534% | 1,897 |
| Credit loss provision to net charge-offs | 43.4783% | 3,883 |
| Earnings coverage of net charge-offs (x) | 2.2464% | 3,193 |
| Efficiency ratio | 76.2997% | 3,110 |
| Assets per employee ($millions) | 3.2812% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 6,732 |
| Loan loss allowance to noncurrent loans | 136.2963% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 6,127 |
| Noncurrent loans to loans | 0.6507% | 5,728 |
| Net loans and leases to total assets | 65.9641% | 3,019 |
| Net loans and leases to deposits | 72.9809% | 3,926 |
| Net loans and leases to core deposits | 75.0452% | 4,419 |
| Total domestic deposits to total assets | 90.3854% | 911 |
| Equity capital to assets | 7.6961% | 6,747 |
| Core capital (leverage) ratio | 6.9962% | 7,011 |
| Tier 1 risk-based capital ratio | 11.1483% | 6,396 |
| Total risk-based capital ratio | 12.0277% | 6,633 |
| Memoranda: | ||
| Average total assets | $62,322,500 | 6,111 |
| Average earning assets | $57,472,500 | 6,083 |
| Average equity | $4,757,500 | 6,630 |
| Average total loans | $42,240,000 | 5,741 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 3,489 |
| Cost of funding earning assets | 1.3627% | 3,499 |
| Net interest margin | 3.8613% | 3,683 |
| Noninterest income to average assets | 0.7340% | 2,627 |
| Noninterest expense to average assets | 3.2943% | 2,758 |
| Loan and lease loss provision to assets | 0.2038% | 5,206 |
| Net operating income to assets | 0.4795% | 4,196 |
| Return on assets (ROA) | 0.4840% | 4,328 |
| Pretax return on assets | 0.6847% | 4,027 |
| Return on Equity (ROE) | 6.5063% | 3,345 |
| Retained earnings to average equity (ytd only) | 3.9166% | 3,117 |
| Net charge-offs to loans | 0.1876% | 5,178 |
| Credit loss provision to net charge-offs | 172.9730% | 1,946 |
| Earnings coverage of net charge-offs (x) | 7.4865% | 2,122 |
| Efficiency ratio | 78.8791% | 2,550 |
| Assets per employee ($millions) | 3.2791% | 5,475 |
| Cash dividends to net income (ytd only)* | 39.8026% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9468% | 6,586 |
| Loan loss allowance to noncurrent loans | 127.1875% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 5,998 |
| Noncurrent loans to loans | 0.7444% | 5,554 |
| Net loans and leases to total assets | 68.3461% | 2,896 |
| Net loans and leases to deposits | 74.5844% | 4,101 |
| Net loans and leases to core deposits | 76.3182% | 4,655 |
| Total domestic deposits to total assets | 91.6359% | 361 |
| Equity capital to assets | 7.5712% | 6,841 |
| Core capital (leverage) ratio | 7.2523% | 6,878 |
| Tier 1 risk-based capital ratio | 10.5514% | 6,665 |
| Total risk-based capital ratio | 11.4893% | 6,831 |
| Memoranda: | ||
| Average total assets | $62,805,200 | 6,097 |
| Average earning assets | $55,990,800 | 6,133 |
| Average equity | $4,672,400 | 6,766 |
| Average total loans | $39,440,200 | 5,942 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2109% | 3,778 |
| Cost of funding earning assets | 1.4479% | 3,290 |
| Net interest margin | 3.7630% | 4,122 |
| Noninterest income to average assets | 0.7606% | 2,450 |
| Noninterest expense to average assets | 3.1738% | 3,016 |
| Loan and lease loss provision to assets | 0.1758% | 5,282 |
| Net operating income to assets | 0.5032% | 4,301 |
| Return on assets (ROA) | 0.5106% | 4,459 |
| Pretax return on assets | 0.7309% | 4,141 |
| Return on Equity (ROE) | 6.8936% | 3,397 |
| Retained earnings to average equity (ytd only) | 6.0640% | 2,318 |
| Net charge-offs to loans | 0.2317% | 4,544 |
| Credit loss provision to net charge-offs | 123.8806% | 3,310 |
| Earnings coverage of net charge-offs (x) | 6.3136% | 2,546 |
| Efficiency ratio | 77.9802% | 2,625 |
| Assets per employee ($millions) | 3.2342% | 5,604 |
| Cash dividends to net income (ytd only)* | 12.0344% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 6,808 |
| Loan loss allowance to noncurrent loans | 113.5385% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 6,102 |
| Noncurrent loans to loans | 0.7736% | 5,668 |
| Net loans and leases to total assets | 67.7657% | 3,277 |
| Net loans and leases to deposits | 80.5782% | 3,343 |
| Net loans and leases to core deposits | 82.2298% | 4,215 |
| Total domestic deposits to total assets | 84.0993% | 4,061 |
| Equity capital to assets | 7.8552% | 6,898 |
| Core capital (leverage) ratio | 6.8732% | 7,223 |
| Tier 1 risk-based capital ratio | 11.1200% | 6,261 |
| Total risk-based capital ratio | 12.0104% | 6,566 |
| Memoranda: | ||
| Average total assets | $62,931,000 | 6,163 |
| Average earning assets | $55,344,500 | 6,222 |
| Average equity | $4,661,250 | 6,851 |
| Average total loans | $38,553,250 | 6,067 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1349% | 4,276 |
| Cost of funding earning assets | 1.4760% | 3,390 |
| Net interest margin | 3.6589% | 4,544 |
| Noninterest income to average assets | 0.7127% | 2,634 |
| Noninterest expense to average assets | 3.1281% | 3,193 |
| Loan and lease loss provision to assets | 0.0757% | 6,185 |
| Net operating income to assets | 0.4689% | 4,467 |
| Return on assets (ROA) | 0.4667% | 4,639 |
| Pretax return on assets | 0.6559% | 4,380 |
| Return on Equity (ROE) | 6.4264% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.1672% | 2,807 |
| Net charge-offs to loans | 0.3315% | 3,666 |
| Credit loss provision to net charge-offs | 38.7097% | 5,629 |
| Earnings coverage of net charge-offs (x) | 3.7581% | 3,190 |
| Efficiency ratio | 80.9796% | 2,301 |
| Assets per employee ($millions) | 3.3620% | 5,282 |
| Cash dividends to net income (ytd only)* | 19.5946% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 7,063 |
| Loan loss allowance to noncurrent loans | 129.0984% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,989 |
| Noncurrent loans to loans | 0.6081% | 6,027 |
| Net loans and leases to total assets | 59.2043% | 5,214 |
| Net loans and leases to deposits | 64.1067% | 6,029 |
| Net loans and leases to core deposits | 65.7348% | 6,266 |
| Total domestic deposits to total assets | 92.3528% | 171 |
| Equity capital to assets | 6.9854% | 7,356 |
| Core capital (leverage) ratio | 6.7155% | 7,316 |
| Tier 1 risk-based capital ratio | 11.1796% | 6,062 |
| Total risk-based capital ratio | 11.9596% | 6,507 |
| Memoranda: | ||
| Average total assets | $63,424,670 | 6,197 |
| Average earning assets | $54,606,330 | 6,302 |
| Average equity | $4,606,000 | 6,901 |
| Average total loans | $37,400,670 | 6,173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 3,791 |
| Cost of funding earning assets | 1.5071% | 3,507 |
| Net interest margin | 3.7410% | 4,048 |
| Noninterest income to average assets | 0.7803% | 2,120 |
| Noninterest expense to average assets | 3.2186% | 2,787 |
| Loan and lease loss provision to assets | 0.0585% | 6,060 |
| Net operating income to assets | 0.4877% | 4,458 |
| Return on assets (ROA) | 0.4877% | 4,593 |
| Pretax return on assets | 0.6827% | 4,301 |
| Return on Equity (ROE) | 6.5782% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.5782% | 2,327 |
| Net charge-offs to loans | 0.6548% | 2,188 |
| Credit loss provision to net charge-offs | 15.2542% | 4,994 |
| Earnings coverage of net charge-offs (x) | 1.9322% | 3,574 |
| Efficiency ratio | 81.2808% | 2,376 |
| Assets per employee ($millions) | 3.5172% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 7,012 |
| Loan loss allowance to noncurrent loans | 141.5888% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 5,961 |
| Noncurrent loans to loans | 0.5959% | 6,117 |
| Net loans and leases to total assets | 53.2898% | 6,116 |
| Net loans and leases to deposits | 57.5892% | 6,647 |
| Net loans and leases to core deposits | 62.1089% | 6,596 |
| Total domestic deposits to total assets | 92.5345% | 165 |
| Equity capital to assets | 6.8535% | 7,427 |
| Core capital (leverage) ratio | 6.9075% | 7,304 |
| Tier 1 risk-based capital ratio | 11.0034% | 6,149 |
| Total risk-based capital ratio | 11.7491% | 6,623 |
| Memoranda: | ||
| Average total assets | $61,517,000 | 6,326 |
| Average earning assets | $52,285,000 | 6,466 |
| Average equity | $4,560,500 | 6,986 |
| Average total loans | $36,039,000 | 6,313 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7025% | 3,098 |
| Cost of funding earning assets | 1.6589% | 4,743 |
| Net interest margin | 4.0436% | 2,676 |
| Noninterest income to average assets | 0.4409% | 4,873 |
| Noninterest expense to average assets | 3.6632% | 1,996 |
| Loan and lease loss provision to assets | 0.0670% | 6,907 |
| Net operating income to assets | 0.2549% | 4,701 |
| Return on assets (ROA) | 0.2549% | 4,784 |
| Pretax return on assets | 0.3070% | 4,740 |
| Return on Equity (ROE) | 2.9768% | 4,510 |
| Retained earnings to average equity (ytd only) | 0.3477% | 4,715 |
| Net charge-offs to loans | 0.1192% | 5,985 |
| Credit loss provision to net charge-offs | 85.7143% | 6,136 |
| Earnings coverage of net charge-offs (x) | 4.7857% | 2,818 |
| Efficiency ratio | 90.7373% | 1,655 |
| Assets per employee ($millions) | 2.8104% | 6,641 |
| Cash dividends to net income (ytd only)* | 88.3212% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 6,504 |
| Loan loss allowance to noncurrent loans | 49.6484% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 4,559 |
| Noncurrent loans to loans | 1.9661% | 3,700 |
| Net loans and leases to total assets | 63.7109% | 4,652 |
| Net loans and leases to deposits | 69.9209% | 5,613 |
| Net loans and leases to core deposits | 82.3199% | 5,884 |
| Total domestic deposits to total assets | 91.1185% | 491 |
| Equity capital to assets | 8.0791% | 6,493 |
| Core capital (leverage) ratio | 7.9647% | 6,242 |
| Tier 1 risk-based capital ratio | 11.2764% | 5,636 |
| Total risk-based capital ratio | 12.1817% | 5,961 |
| Memoranda: | ||
| Average total assets | $53,751,200 | 6,563 |
| Average earning assets | $47,803,600 | 6,607 |
| Average equity | $4,602,200 | 7,081 |
| Average total loans | $35,247,200 | 6,346 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7432% | 3,121 |
| Cost of funding earning assets | 1.6792% | 5,007 |
| Net interest margin | 4.0640% | 2,534 |
| Noninterest income to average assets | 0.3889% | 5,395 |
| Noninterest expense to average assets | 3.5756% | 2,078 |
| Loan and lease loss provision to assets | 0.0677% | 6,689 |
| Net operating income to assets | 0.3237% | 4,703 |
| Return on assets (ROA) | 0.3237% | 4,810 |
| Pretax return on assets | 0.4015% | 4,799 |
| Return on Equity (ROE) | 3.7250% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.8875% | 3,710 |
| Net charge-offs to loans | 0.1142% | 5,538 |
| Credit loss provision to net charge-offs | 90.0000% | 5,480 |
| Earnings coverage of net charge-offs (x) | 6.2333% | 2,639 |
| Efficiency ratio | 88.3995% | 1,828 |
| Assets per employee ($millions) | 2.8193% | 6,618 |
| Cash dividends to net income (ytd only)* | 22.4826% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,218 |
| Loan loss allowance to noncurrent loans | 74.1667% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 5,174 |
| Noncurrent loans to loans | 1.3625% | 4,648 |
| Net loans and leases to total assets | 68.7180% | 3,793 |
| Net loans and leases to deposits | 76.4306% | 4,965 |
| Net loans and leases to core deposits | 92.8659% | 5,148 |
| Total domestic deposits to total assets | 89.9090% | 802 |
| Equity capital to assets | 9.1945% | 5,176 |
| Core capital (leverage) ratio | 8.7019% | 5,122 |
| Tier 1 risk-based capital ratio | 12.0875% | 4,891 |
| Total risk-based capital ratio | 13.0481% | 5,101 |
| Memoranda: | ||
| Average total assets | $53,137,250 | 6,633 |
| Average earning assets | $47,800,250 | 6,658 |
| Average equity | $4,617,500 | 7,139 |
| Average total loans | $35,018,250 | 6,400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6739% | 3,694 |
| Cost of funding earning assets | 1.7137% | 5,205 |
| Net interest margin | 3.9602% | 2,865 |
| Noninterest income to average assets | 0.3820% | 5,446 |
| Noninterest expense to average assets | 3.4487% | 2,499 |
| Loan and lease loss provision to assets | 0.0667% | 6,542 |
| Net operating income to assets | 0.3337% | 4,745 |
| Return on assets (ROA) | 0.3337% | 4,861 |
| Pretax return on assets | 0.4227% | 4,865 |
| Return on Equity (ROE) | 3.9119% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.6514% | 3,853 |
| Net charge-offs to loans | 0.1087% | 5,068 |
| Credit loss provision to net charge-offs | 94.7368% | 4,781 |
| Earnings coverage of net charge-offs (x) | 6.9474% | 2,523 |
| Efficiency ratio | 87.5706% | 2,063 |
| Assets per employee ($millions) | 2.9374% | 6,297 |
| Cash dividends to net income (ytd only)* | 32.2222% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 5,987 |
| Loan loss allowance to noncurrent loans | 203.4091% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 5,657 |
| Noncurrent loans to loans | 0.5091% | 6,252 |
| Net loans and leases to total assets | 64.7123% | 4,832 |
| Net loans and leases to deposits | 71.5083% | 5,809 |
| Net loans and leases to core deposits | 85.9396% | 5,912 |
| Total domestic deposits to total assets | 90.4963% | 632 |
| Equity capital to assets | 8.6924% | 5,764 |
| Core capital (leverage) ratio | 8.3495% | 5,714 |
| Tier 1 risk-based capital ratio | 12.0618% | 4,863 |
| Total risk-based capital ratio | 13.0339% | 5,033 |
| Memoranda: | ||
| Average total assets | $53,933,670 | 6,678 |
| Average earning assets | $48,432,330 | 6,693 |
| Average equity | $4,601,330 | 7,207 |
| Average total loans | $34,948,000 | 6,459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5913% | 4,411 |
| Cost of funding earning assets | 1.6968% | 5,614 |
| Net interest margin | 3.8945% | 3,062 |
| Noninterest income to average assets | 0.4627% | 4,653 |
| Noninterest expense to average assets | 3.2462% | 2,807 |
| Loan and lease loss provision to assets | 0.0661% | 6,121 |
| Net operating income to assets | 0.4921% | 4,455 |
| Return on assets (ROA) | 0.4921% | 4,642 |
| Pretax return on assets | 0.6904% | 4,464 |
| Return on Equity (ROE) | 5.8210% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.8210% | 2,711 |
| Net charge-offs to loans | 0.2049% | 3,406 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 5.7222% | 2,616 |
| Efficiency ratio | 81.1009% | 2,662 |
| Assets per employee ($millions) | 3.3336% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,981 |
| Loan loss allowance to noncurrent loans | 230.2632% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 5,397 |
| Noncurrent loans to loans | 0.4454% | 6,311 |
| Net loans and leases to total assets | 63.3188% | 5,106 |
| Net loans and leases to deposits | 69.9277% | 5,985 |
| Net loans and leases to core deposits | 97.1689% | 4,833 |
| Total domestic deposits to total assets | 90.5490% | 570 |
| Equity capital to assets | 8.6542% | 5,837 |
| Core capital (leverage) ratio | 7.9623% | 6,528 |
| Tier 1 risk-based capital ratio | 12.0109% | 4,955 |
| Total risk-based capital ratio | 12.9560% | 5,121 |
| Memoranda: | ||
| Average total assets | $54,463,500 | 6,693 |
| Average earning assets | $49,505,500 | 6,683 |
| Average equity | $4,604,000 | 7,257 |
| Average total loans | $35,135,000 | 6,485 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1297% | 4,899 |
| Cost of funding earning assets | 2.3928% | 4,746 |
| Net interest margin | 3.7369% | 4,297 |
| Noninterest income to average assets | 0.4563% | 4,992 |
| Noninterest expense to average assets | 3.2752% | 3,054 |
| Loan and lease loss provision to assets | 0.0471% | 6,828 |
| Net operating income to assets | 0.4186% | 5,080 |
| Return on assets (ROA) | 0.4186% | 4,894 |
| Pretax return on assets | 0.5939% | 4,713 |
| Return on Equity (ROE) | 5.6265% | 4,106 |
| Retained earnings to average equity (ytd only) | 2.9653% | 3,328 |
| Net charge-offs to loans | 0.1425% | 4,790 |
| Credit loss provision to net charge-offs | 51.0204% | 6,340 |
| Earnings coverage of net charge-offs (x) | 6.9388% | 3,230 |
| Efficiency ratio | 83.6302% | 2,100 |
| Assets per employee ($millions) | 3.2699% | 5,289 |
| Cash dividends to net income (ytd only)* | 47.2973% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,120 |
| Loan loss allowance to noncurrent loans | 267.9104% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 5,292 |
| Noncurrent loans to loans | 0.3707% | 6,246 |
| Net loans and leases to total assets | 64.3796% | 5,195 |
| Net loans and leases to deposits | 70.8786% | 6,186 |
| Net loans and leases to core deposits | 83.0637% | 6,378 |
| Total domestic deposits to total assets | 90.8309% | 374 |
| Equity capital to assets | 8.2606% | 6,468 |
| Core capital (leverage) ratio | 8.6605% | 5,264 |
| Tier 1 risk-based capital ratio | 10.9528% | 5,767 |
| Total risk-based capital ratio | 11.8503% | 6,006 |
| Memoranda: | ||
| Average total assets | $53,035,400 | 6,660 |
| Average earning assets | $49,105,000 | 6,631 |
| Average equity | $3,945,600 | 7,532 |
| Average total loans | $34,388,600 | 6,465 |