Home > The First National Bank of Dighton > Performance and Condition Ratios
The First National Bank of Dighton, 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 | 4.5022% | 3,893 |
| Cost of funding earning assets | 1.1461% | 3,822 |
| Net interest margin | 3.3561% | 2,650 |
| Noninterest income to average assets | 0.2200% | 3,425 |
| Noninterest expense to average assets | 2.4656% | 2,401 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 0.6571% | 3,210 |
| Return on assets (ROA) | 0.6571% | 3,227 |
| Pretax return on assets | 1.0251% | 2,681 |
| Return on Equity (ROE) | 4.2800% | 3,674 |
| Retained earnings to average equity (ytd only) | 4.2773% | 2,779 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 71.7125% | 1,648 |
| Assets per employee ($millions) | 7.0345% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,433 |
| Loan loss allowance to noncurrent loans | 43.5636% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 296 |
| Noncurrent loans to loans | 2.6539% | 281 |
| Net loans and leases to total assets | 66.1800% | 2,273 |
| Net loans and leases to deposits | 80.3675% | 2,019 |
| Net loans and leases to core deposits | 97.1377% | 1,553 |
| Total domestic deposits to total assets | 82.3500% | 3,239 |
| Equity capital to assets | 15.3931% | 522 |
| Core capital (leverage) ratio | 17.2448% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8258% | 415 |
| Memoranda: | ||
| Average total assets | $76,088,000 | 3,985 |
| Average earning assets | $72,942,500 | 3,940 |
| Average equity | $11,689,500 | 3,641 |
| Average total loans | $49,129,500 | 3,832 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 3,830 |
| Cost of funding earning assets | 1.3283% | 3,633 |
| Net interest margin | 3.2101% | 2,700 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 2.2166% | 3,076 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.6846% | 3,014 |
| Return on assets (ROA) | 0.6846% | 3,048 |
| Pretax return on assets | 0.9077% | 2,780 |
| Return on Equity (ROE) | 4.6900% | 3,573 |
| Retained earnings to average equity (ytd only) | 2.9326% | 3,069 |
| Net charge-offs to loans | 0.0043% | 2,800 |
| Credit loss provision to net charge-offs | 2,500.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 301 |
| Efficiency ratio | 67.8838% | 2,269 |
| Assets per employee ($millions) | 6.2331% | 2,701 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 1,719 |
| Loan loss allowance to noncurrent loans | 50.6768% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.5803% | 333 |
| Noncurrent loans to loans | 2.5447% | 266 |
| Net loans and leases to total assets | 61.3000% | 2,819 |
| Net loans and leases to deposits | 74.9354% | 2,564 |
| Net loans and leases to core deposits | 89.5753% | 2,134 |
| Total domestic deposits to total assets | 81.8000% | 3,275 |
| Equity capital to assets | 15.3322% | 525 |
| Core capital (leverage) ratio | 17.3188% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3568% | 359 |
| Memoranda: | ||
| Average total assets | $78,002,600 | 3,972 |
| Average earning assets | $74,079,600 | 3,936 |
| Average equity | $11,389,400 | 3,647 |
| Average total loans | $46,565,400 | 3,867 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4928% | 3,847 |
| Cost of funding earning assets | 1.3109% | 3,654 |
| Net interest margin | 3.1820% | 2,730 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.1673% | 3,165 |
| Loan and lease loss provision to assets | 0.1700% | 713 |
| Net operating income to assets | 0.7444% | 2,853 |
| Return on assets (ROA) | 0.7444% | 2,869 |
| Pretax return on assets | 0.9069% | 2,785 |
| Return on Equity (ROE) | 5.1600% | 3,493 |
| Retained earnings to average equity (ytd only) | 5.1598% | 2,401 |
| Net charge-offs to loans | 0.0258% | 1,810 |
| Credit loss provision to net charge-offs | 555.5556% | 593 |
| Earnings coverage of net charge-offs (x) | 70.7778% | 1,001 |
| Efficiency ratio | 66.7883% | 2,390 |
| Assets per employee ($millions) | 6.6478% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 1,998 |
| Loan loss allowance to noncurrent loans | 41.4976% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7913% | 247 |
| Noncurrent loans to loans | 2.9865% | 205 |
| Net loans and leases to total assets | 59.2400% | 2,990 |
| Net loans and leases to deposits | 76.7529% | 2,462 |
| Net loans and leases to core deposits | 91.7806% | 2,022 |
| Total domestic deposits to total assets | 77.1800% | 3,808 |
| Equity capital to assets | 15.0327% | 574 |
| Core capital (leverage) ratio | 17.0189% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6670% | 392 |
| Memoranda: | ||
| Average total assets | $78,804,000 | 3,984 |
| Average earning assets | $74,962,000 | 3,949 |
| Average equity | $11,369,750 | 3,657 |
| Average total loans | $46,594,500 | 3,878 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 3,831 |
| Cost of funding earning assets | 1.1749% | 3,818 |
| Net interest margin | 3.2892% | 2,431 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 1.9979% | 3,564 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | 0.9480% | 2,158 |
| Return on assets (ROA) | 0.9480% | 2,162 |
| Pretax return on assets | 1.1162% | 2,168 |
| Return on Equity (ROE) | 6.6700% | 3,082 |
| Retained earnings to average equity (ytd only) | 6.6653% | 1,760 |
| Net charge-offs to loans | -0.0130% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 59.4841% | 3,249 |
| Assets per employee ($millions) | 7.3298% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,043 |
| Loan loss allowance to noncurrent loans | 46.5385% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 300 |
| Noncurrent loans to loans | 2.6613% | 234 |
| Net loans and leases to total assets | 59.8400% | 2,974 |
| Net loans and leases to deposits | 76.7557% | 2,487 |
| Net loans and leases to core deposits | 91.4180% | 2,053 |
| Total domestic deposits to total assets | 77.9600% | 3,708 |
| Equity capital to assets | 14.1043% | 658 |
| Core capital (leverage) ratio | 16.9496% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2693% | 405 |
| Memoranda: | ||
| Average total assets | $78,481,000 | 4,000 |
| Average earning assets | $74,728,333 | 3,962 |
| Average equity | $11,162,333 | 3,663 |
| Average total loans | $46,176,333 | 3,900 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 3,740 |
| Cost of funding earning assets | 0.9548% | 4,030 |
| Net interest margin | 3.5044% | 1,892 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 1.8499% | 3,873 |
| Loan and lease loss provision to assets | 0.3500% | 254 |
| Net operating income to assets | 1.2557% | 1,314 |
| Return on assets (ROA) | 1.2557% | 1,325 |
| Pretax return on assets | 1.3952% | 1,443 |
| Return on Equity (ROE) | 8.7900% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.7904% | 1,370 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.5108% | 3,939 |
| Assets per employee ($millions) | 7.1392% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 2,884 |
| Loan loss allowance to noncurrent loans | 238.2075% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 2,022 |
| Noncurrent loans to loans | 0.4562% | 1,791 |
| Net loans and leases to total assets | 58.5400% | 3,010 |
| Net loans and leases to deposits | 72.4850% | 2,716 |
| Net loans and leases to core deposits | 78.6888% | 2,821 |
| Total domestic deposits to total assets | 80.7600% | 3,418 |
| Equity capital to assets | 14.2059% | 649 |
| Core capital (leverage) ratio | 17.2895% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2812% | 370 |
| Memoranda: | ||
| Average total assets | $77,407,500 | 4,037 |
| Average earning assets | $73,735,000 | 3,998 |
| Average equity | $11,057,500 | 3,682 |
| Average total loans | $44,840,000 | 3,938 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 4,025 |
| Cost of funding earning assets | 0.7433% | 3,864 |
| Net interest margin | 3.2138% | 2,845 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.1913% | 3,150 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9142% | 2,502 |
| Return on assets (ROA) | 0.8979% | 2,525 |
| Pretax return on assets | 1.0455% | 2,548 |
| Return on Equity (ROE) | 6.3700% | 3,456 |
| Retained earnings to average equity (ytd only) | 4.6862% | 2,718 |
| Net charge-offs to loans | 0.0025% | 2,703 |
| Credit loss provision to net charge-offs | 4,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 832.0000% | 178 |
| Efficiency ratio | 66.0408% | 2,347 |
| Assets per employee ($millions) | 6.9349% | 2,115 |
| Cash dividends to net income (ytd only)* | 26.3952% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 1,890 |
| Loan loss allowance to noncurrent loans | 310.1124% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 2,048 |
| Noncurrent loans to loans | 0.4120% | 1,751 |
| Net loans and leases to total assets | 55.9100% | 3,203 |
| Net loans and leases to deposits | 65.3676% | 3,210 |
| Net loans and leases to core deposits | 70.7922% | 3,257 |
| Total domestic deposits to total assets | 85.5400% | 2,150 |
| Equity capital to assets | 14.3661% | 623 |
| Core capital (leverage) ratio | 17.1877% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0749% | 337 |
| Memoranda: | ||
| Average total assets | $73,838,400 | 4,083 |
| Average earning assets | $70,633,800 | 4,030 |
| Average equity | $10,413,600 | 3,676 |
| Average total loans | $39,353,200 | 4,006 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 4,085 |
| Cost of funding earning assets | 0.6175% | 3,939 |
| Net interest margin | 3.2147% | 2,884 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.1631% | 3,170 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.9079% | 2,653 |
| Return on assets (ROA) | 0.8867% | 2,715 |
| Pretax return on assets | 1.0743% | 2,642 |
| Return on Equity (ROE) | 6.3200% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.3180% | 2,530 |
| Net charge-offs to loans | -0.0104% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.9891% | 2,391 |
| Assets per employee ($millions) | 6.8979% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 1,907 |
| Loan loss allowance to noncurrent loans | 1,114.2857% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,182 |
| Noncurrent loans to loans | 0.1158% | 2,992 |
| Net loans and leases to total assets | 55.0300% | 3,283 |
| Net loans and leases to deposits | 72.0277% | 2,709 |
| Net loans and leases to core deposits | 72.4049% | 3,083 |
| Total domestic deposits to total assets | 76.4000% | 3,981 |
| Equity capital to assets | 13.5469% | 714 |
| Core capital (leverage) ratio | 17.3451% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3980% | 338 |
| Memoranda: | ||
| Average total assets | $73,227,000 | 4,103 |
| Average earning assets | $70,176,500 | 4,055 |
| Average equity | $10,277,250 | 3,691 |
| Average total loans | $38,390,250 | 4,030 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 4,156 |
| Cost of funding earning assets | 0.5760% | 3,814 |
| Net interest margin | 3.1075% | 3,210 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.1536% | 3,205 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8027% | 3,071 |
| Return on assets (ROA) | 0.7713% | 3,174 |
| Pretax return on assets | 0.9538% | 3,032 |
| Return on Equity (ROE) | 5.4300% | 3,817 |
| Retained earnings to average equity (ytd only) | 5.4298% | 2,814 |
| Net charge-offs to loans | -0.0108% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.3543% | 2,188 |
| Assets per employee ($millions) | 6.1988% | 2,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,685 |
| Loan loss allowance to noncurrent loans | 3,205.8824% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,583 |
| Noncurrent loans to loans | 0.0423% | 3,421 |
| Net loans and leases to total assets | 53.2700% | 3,324 |
| Net loans and leases to deposits | 69.1257% | 2,847 |
| Net loans and leases to core deposits | 69.4894% | 3,160 |
| Total domestic deposits to total assets | 77.0700% | 3,946 |
| Equity capital to assets | 14.0512% | 642 |
| Core capital (leverage) ratio | 17.7455% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2617% | 307 |
| Memoranda: | ||
| Average total assets | $72,343,667 | 4,126 |
| Average earning assets | $69,444,000 | 4,082 |
| Average equity | $10,276,667 | 3,711 |
| Average total loans | $37,087,333 | 4,061 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 4,201 |
| Cost of funding earning assets | 0.3685% | 4,036 |
| Net interest margin | 3.1937% | 3,129 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.2489% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9422% | 2,713 |
| Return on assets (ROA) | 0.9422% | 2,669 |
| Pretax return on assets | 1.0936% | 2,727 |
| Return on Equity (ROE) | 6.6000% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.5953% | 2,620 |
| Net charge-offs to loans | -0.0113% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2819% | 2,064 |
| Assets per employee ($millions) | 7.1634% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,590 |
| Loan loss allowance to noncurrent loans | 413.0081% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,302 |
| Noncurrent loans to loans | 0.3408% | 1,923 |
| Net loans and leases to total assets | 49.6700% | 3,520 |
| Net loans and leases to deposits | 60.5023% | 3,304 |
| Net loans and leases to core deposits | 60.5023% | 3,516 |
| Total domestic deposits to total assets | 82.1000% | 3,472 |
| Equity capital to assets | 14.4708% | 537 |
| Core capital (leverage) ratio | 17.7285% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4467% | 273 |
| Memoranda: | ||
| Average total assets | $71,323,000 | 4,191 |
| Average earning assets | $68,385,500 | 4,148 |
| Average equity | $10,189,000 | 3,763 |
| Average total loans | $35,545,000 | 4,143 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9582% | 4,180 |
| Cost of funding earning assets | 0.1510% | 4,115 |
| Net interest margin | 2.8073% | 3,880 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.1061% | 3,276 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6303% | 3,802 |
| Return on assets (ROA) | 0.6325% | 3,752 |
| Pretax return on assets | 0.7730% | 3,689 |
| Return on Equity (ROE) | 4.3700% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.5057% | 3,562 |
| Net charge-offs to loans | 0.0091% | 2,042 |
| Credit loss provision to net charge-offs | 1,000.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 194.6667% | 654 |
| Efficiency ratio | 72.1772% | 1,423 |
| Assets per employee ($millions) | 7.1012% | 1,892 |
| Cash dividends to net income (ytd only)* | 19.7802% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 1,339 |
| Loan loss allowance to noncurrent loans | 419.0083% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,356 |
| Noncurrent loans to loans | 0.3457% | 1,904 |
| Net loans and leases to total assets | 48.5700% | 3,628 |
| Net loans and leases to deposits | 58.0260% | 3,459 |
| Net loans and leases to core deposits | 58.0260% | 3,616 |
| Total domestic deposits to total assets | 83.7100% | 3,271 |
| Equity capital to assets | 14.0990% | 567 |
| Core capital (leverage) ratio | 17.6928% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2243% | 257 |
| Memoranda: | ||
| Average total assets | $71,932,200 | 4,215 |
| Average earning assets | $68,892,600 | 4,175 |
| Average equity | $10,411,600 | 3,822 |
| Average total loans | $32,908,400 | 4,193 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8411% | 4,143 |
| Cost of funding earning assets | 0.1080% | 4,217 |
| Net interest margin | 2.7331% | 3,865 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.0232% | 3,423 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.6197% | 3,785 |
| Return on assets (ROA) | 0.6227% | 3,731 |
| Pretax return on assets | 0.8130% | 3,551 |
| Return on Equity (ROE) | 4.2700% | 4,109 |
| Retained earnings to average equity (ytd only) | 4.2746% | 3,354 |
| Net charge-offs to loans | 0.0041% | 2,055 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 347 |
| Efficiency ratio | 70.9657% | 1,647 |
| Assets per employee ($millions) | 6.9579% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 1,377 |
| Loan loss allowance to noncurrent loans | 2,328.5714% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,621 |
| Noncurrent loans to loans | 0.0633% | 3,426 |
| Net loans and leases to total assets | 47.0100% | 3,701 |
| Net loans and leases to deposits | 54.4947% | 3,579 |
| Net loans and leases to core deposits | 54.4947% | 3,716 |
| Total domestic deposits to total assets | 86.2700% | 2,994 |
| Equity capital to assets | 13.6219% | 602 |
| Core capital (leverage) ratio | 17.5124% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2389% | 242 |
| Memoranda: | ||
| Average total assets | $72,162,250 | 4,246 |
| Average earning assets | $69,125,250 | 4,203 |
| Average equity | $10,511,500 | 3,862 |
| Average total loans | $32,385,500 | 4,231 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7079% | 4,129 |
| Cost of funding earning assets | 0.0800% | 4,380 |
| Net interest margin | 2.6280% | 3,856 |
| Noninterest income to average assets | 0.2355% | 3,767 |
| Noninterest expense to average assets | 1.9994% | 3,431 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5763% | 3,690 |
| Return on assets (ROA) | 0.5806% | 3,624 |
| Pretax return on assets | 0.7614% | 3,422 |
| Return on Equity (ROE) | 3.9057% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.9057% | 3,117 |
| Net charge-offs to loans | 0.0062% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 429 |
| Efficiency ratio | 72.5646% | 1,684 |
| Assets per employee ($millions) | 7.2175% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 1,650 |
| Loan loss allowance to noncurrent loans | 1,995.8333% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,648 |
| Noncurrent loans to loans | 0.0715% | 3,443 |
| Net loans and leases to total assets | 45.8691% | 3,719 |
| Net loans and leases to deposits | 53.4287% | 3,575 |
| Net loans and leases to core deposits | 53.4287% | 3,729 |
| Total domestic deposits to total assets | 85.8511% | 3,283 |
| Equity capital to assets | 14.0672% | 504 |
| Core capital (leverage) ratio | 16.8783% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6246% | 230 |
| Memoranda: | ||
| Average total assets | $73,023,333 | 4,282 |
| Average earning assets | $70,016,333 | 4,247 |
| Average equity | $10,856,000 | 3,902 |
| Average total loans | $32,114,000 | 4,278 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5051% | 4,263 |
| Cost of funding earning assets | 0.0795% | 4,364 |
| Net interest margin | 2.4255% | 4,025 |
| Noninterest income to average assets | 0.2614% | 3,567 |
| Noninterest expense to average assets | 2.0641% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3758% | 4,006 |
| Return on assets (ROA) | 0.3758% | 3,971 |
| Pretax return on assets | 0.5228% | 3,828 |
| Return on Equity (ROE) | 2.4626% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.4626% | 3,418 |
| Net charge-offs to loans | 0.0382% | 903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,102 |
| Efficiency ratio | 79.7895% | 1,169 |
| Assets per employee ($millions) | 7.6301% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 1,344 |
| Loan loss allowance to noncurrent loans | 851.7857% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,337 |
| Noncurrent loans to loans | 0.1845% | 2,895 |
| Net loans and leases to total assets | 39.1594% | 4,066 |
| Net loans and leases to deposits | 45.5563% | 4,001 |
| Net loans and leases to core deposits | 45.5563% | 4,100 |
| Total domestic deposits to total assets | 85.9582% | 3,271 |
| Equity capital to assets | 13.9172% | 539 |
| Core capital (leverage) ratio | 15.7932% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7070% | 212 |
| Memoranda: | ||
| Average total assets | $73,447,500 | 4,303 |
| Average earning assets | $70,417,500 | 4,261 |
| Average equity | $11,207,500 | 3,936 |
| Average total loans | $31,378,500 | 4,303 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6232% | 4,388 |
| Cost of funding earning assets | 0.0840% | 4,506 |
| Net interest margin | 2.5391% | 4,138 |
| Noninterest income to average assets | 0.7451% | 1,610 |
| Noninterest expense to average assets | 2.2238% | 3,001 |
| Loan and lease loss provision to assets | 0.1740% | 658 |
| Net operating income to assets | 0.6074% | 3,861 |
| Return on assets (ROA) | 0.6132% | 3,891 |
| Pretax return on assets | 0.7640% | 3,800 |
| Return on Equity (ROE) | 3.5567% | 4,285 |
| Retained earnings to average equity (ytd only) | 2.5477% | 3,817 |
| Net charge-offs to loans | 0.1027% | 841 |
| Credit loss provision to net charge-offs | 352.9412% | 986 |
| Earnings coverage of net charge-offs (x) | 18.8824% | 1,896 |
| Efficiency ratio | 70.4963% | 1,679 |
| Assets per employee ($millions) | 6.4176% | 2,398 |
| Cash dividends to net income (ytd only)* | 28.3688% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,629 |
| Loan loss allowance to noncurrent loans | 1,777.7778% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 3,744 |
| Noncurrent loans to loans | 0.0833% | 3,515 |
| Net loans and leases to total assets | 45.2177% | 3,747 |
| Net loans and leases to deposits | 54.3994% | 3,565 |
| Net loans and leases to core deposits | 54.3994% | 3,730 |
| Total domestic deposits to total assets | 83.1218% | 3,779 |
| Equity capital to assets | 16.7096% | 312 |
| Core capital (leverage) ratio | 16.8090% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2654% | 233 |
| Memoranda: | ||
| Average total assets | $68,980,200 | 4,349 |
| Average earning assets | $65,455,600 | 4,317 |
| Average equity | $11,893,200 | 3,941 |
| Average total loans | $33,115,000 | 4,313 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6320% | 4,474 |
| Cost of funding earning assets | 0.0863% | 4,603 |
| Net interest margin | 2.5457% | 4,211 |
| Noninterest income to average assets | 0.9177% | 1,224 |
| Noninterest expense to average assets | 2.1698% | 3,170 |
| Loan and lease loss provision to assets | 0.1356% | 839 |
| Net operating income to assets | 0.7972% | 3,527 |
| Return on assets (ROA) | 0.8049% | 3,586 |
| Pretax return on assets | 1.0304% | 3,374 |
| Return on Equity (ROE) | 4.6317% | 4,199 |
| Retained earnings to average equity (ytd only) | 4.6317% | 3,362 |
| Net charge-offs to loans | 0.0240% | 1,564 |
| Credit loss provision to net charge-offs | 1,166.6667% | 474 |
| Earnings coverage of net charge-offs (x) | 99.1667% | 877 |
| Efficiency ratio | 65.2250% | 2,211 |
| Assets per employee ($millions) | 6.3357% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,992 |
| Loan loss allowance to noncurrent loans | 492.4731% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 3,221 |
| Noncurrent loans to loans | 0.2860% | 2,771 |
| Net loans and leases to total assets | 46.0003% | 3,797 |
| Net loans and leases to deposits | 55.7490% | 3,598 |
| Net loans and leases to core deposits | 55.7490% | 3,793 |
| Total domestic deposits to total assets | 82.5133% | 3,822 |
| Equity capital to assets | 17.2299% | 328 |
| Core capital (leverage) ratio | 17.3086% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5909% | 221 |
| Memoranda: | ||
| Average total assets | $68,576,750 | 4,410 |
| Average earning assets | $64,891,250 | 4,382 |
| Average equity | $11,917,500 | 3,992 |
| Average total loans | $33,293,500 | 4,369 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6479% | 4,505 |
| Cost of funding earning assets | 0.0872% | 4,652 |
| Net interest margin | 2.5607% | 4,234 |
| Noninterest income to average assets | 1.2638% | 730 |
| Noninterest expense to average assets | 2.1553% | 3,224 |
| Loan and lease loss provision to assets | 0.2053% | 540 |
| Net operating income to assets | 1.0400% | 2,758 |
| Return on assets (ROA) | 1.0586% | 2,761 |
| Pretax return on assets | 1.3372% | 2,527 |
| Return on Equity (ROE) | 6.0737% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.0737% | 2,772 |
| Net charge-offs to loans | 0.0477% | 1,150 |
| Credit loss provision to net charge-offs | 875.0000% | 505 |
| Earnings coverage of net charge-offs (x) | 64.7500% | 934 |
| Efficiency ratio | 58.6592% | 3,196 |
| Assets per employee ($millions) | 6.1955% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,500 |
| Loan loss allowance to noncurrent loans | 480.0000% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 3,317 |
| Noncurrent loans to loans | 0.2681% | 2,978 |
| Net loans and leases to total assets | 51.3243% | 3,418 |
| Net loans and leases to deposits | 62.4975% | 3,149 |
| Net loans and leases to core deposits | 62.4975% | 3,418 |
| Total domestic deposits to total assets | 82.1221% | 3,902 |
| Equity capital to assets | 17.6197% | 291 |
| Core capital (leverage) ratio | 17.3415% | 289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1071% | 247 |
| Memoranda: | ||
| Average total assets | $68,204,667 | 4,441 |
| Average earning assets | $64,202,333 | 4,416 |
| Average equity | $11,887,333 | 4,000 |
| Average total loans | $33,552,333 | 4,400 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6237% | 4,553 |
| Cost of funding earning assets | 0.0939% | 4,688 |
| Net interest margin | 2.5297% | 4,260 |
| Noninterest income to average assets | 1.5418% | 576 |
| Noninterest expense to average assets | 2.3215% | 2,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2194% | 2,070 |
| Return on assets (ROA) | 1.2194% | 2,154 |
| Pretax return on assets | 1.5887% | 1,762 |
| Return on Equity (ROE) | 7.0348% | 3,599 |
| Retained earnings to average equity (ytd only) | 7.0348% | 2,568 |
| Net charge-offs to loans | 0.1104% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 30.1111% | 1,095 |
| Efficiency ratio | 59.3703% | 3,102 |
| Assets per employee ($millions) | 6.3520% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 3,304 |
| Loan loss allowance to noncurrent loans | 611.1111% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 3,743 |
| Noncurrent loans to loans | 0.1843% | 3,445 |
| Net loans and leases to total assets | 48.3656% | 3,774 |
| Net loans and leases to deposits | 58.3793% | 3,610 |
| Net loans and leases to core deposits | 58.3793% | 3,810 |
| Total domestic deposits to total assets | 82.8472% | 3,724 |
| Equity capital to assets | 16.8895% | 319 |
| Core capital (leverage) ratio | 17.1176% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9825% | 295 |
| Memoranda: | ||
| Average total assets | $68,231,500 | 4,461 |
| Average earning assets | $63,880,000 | 4,435 |
| Average equity | $11,827,000 | 4,014 |
| Average total loans | $32,611,500 | 4,439 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2496% | 4,396 |
| Cost of funding earning assets | 0.1362% | 4,771 |
| Net interest margin | 3.1135% | 3,598 |
| Noninterest income to average assets | 0.4869% | 2,689 |
| Noninterest expense to average assets | 2.2451% | 3,556 |
| Loan and lease loss provision to assets | 0.3616% | 930 |
| Net operating income to assets | 0.6480% | 3,601 |
| Return on assets (ROA) | 0.6493% | 3,723 |
| Pretax return on assets | 0.8212% | 3,578 |
| Return on Equity (ROE) | 3.4498% | 4,276 |
| Retained earnings to average equity (ytd only) | 2.8521% | 3,449 |
| Net charge-offs to loans | 0.5325% | 293 |
| Credit loss provision to net charge-offs | 139.7516% | 2,483 |
| Earnings coverage of net charge-offs (x) | 4.5652% | 2,964 |
| Efficiency ratio | 65.5253% | 2,602 |
| Assets per employee ($millions) | 6.0537% | 2,297 |
| Cash dividends to net income (ytd only)* | 17.3267% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,576 |
| Loan loss allowance to noncurrent loans | 371.6981% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 3,479 |
| Noncurrent loans to loans | 0.3415% | 2,986 |
| Net loans and leases to total assets | 46.0272% | 4,124 |
| Net loans and leases to deposits | 56.2530% | 3,975 |
| Net loans and leases to core deposits | 56.2530% | 4,139 |
| Total domestic deposits to total assets | 81.8219% | 3,702 |
| Equity capital to assets | 17.7997% | 284 |
| Core capital (leverage) ratio | 17.5359% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7180% | 272 |
| Memoranda: | ||
| Average total assets | $62,224,400 | 4,483 |
| Average earning assets | $58,744,800 | 4,454 |
| Average equity | $11,710,800 | 4,001 |
| Average total loans | $30,234,000 | 4,514 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3329% | 4,434 |
| Cost of funding earning assets | 0.1465% | 4,808 |
| Net interest margin | 3.1864% | 3,521 |
| Noninterest income to average assets | 0.5889% | 2,219 |
| Noninterest expense to average assets | 2.3598% | 3,258 |
| Loan and lease loss provision to assets | 0.4907% | 609 |
| Net operating income to assets | 0.6002% | 3,765 |
| Return on assets (ROA) | 0.6020% | 3,859 |
| Pretax return on assets | 0.7764% | 3,715 |
| Return on Equity (ROE) | 3.1519% | 4,359 |
| Retained earnings to average equity (ytd only) | 3.1519% | 3,454 |
| Net charge-offs to loans | 0.5816% | 250 |
| Credit loss provision to net charge-offs | 171.7557% | 2,223 |
| Earnings coverage of net charge-offs (x) | 4.4275% | 2,821 |
| Efficiency ratio | 65.1023% | 2,580 |
| Assets per employee ($millions) | 5.7516% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 1,936 |
| Loan loss allowance to noncurrent loans | 221.3542% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 2,939 |
| Noncurrent loans to loans | 0.6116% | 2,270 |
| Net loans and leases to total assets | 48.9458% | 4,160 |
| Net loans and leases to deposits | 60.3928% | 4,034 |
| Net loans and leases to core deposits | 60.3928% | 4,183 |
| Total domestic deposits to total assets | 81.0457% | 3,652 |
| Equity capital to assets | 18.6334% | 262 |
| Core capital (leverage) ratio | 18.5071% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9575% | 278 |
| Memoranda: | ||
| Average total assets | $61,132,750 | 4,516 |
| Average earning assets | $58,246,750 | 4,481 |
| Average equity | $11,675,250 | 4,015 |
| Average total loans | $30,031,500 | 4,540 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 4,518 |
| Cost of funding earning assets | 0.1702% | 4,833 |
| Net interest margin | 3.2517% | 3,516 |
| Noninterest income to average assets | 0.7415% | 1,608 |
| Noninterest expense to average assets | 2.3800% | 3,308 |
| Loan and lease loss provision to assets | 0.7448% | 347 |
| Net operating income to assets | 0.6488% | 3,585 |
| Return on assets (ROA) | 0.6488% | 3,674 |
| Pretax return on assets | 0.7150% | 3,838 |
| Return on Equity (ROE) | 3.3685% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.3685% | 3,240 |
| Net charge-offs to loans | 0.8858% | 173 |
| Credit loss provision to net charge-offs | 171.7557% | 2,029 |
| Earnings coverage of net charge-offs (x) | 3.3664% | 2,684 |
| Efficiency ratio | 61.9828% | 3,129 |
| Assets per employee ($millions) | 5.8017% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,838 |
| Loan loss allowance to noncurrent loans | 141.3333% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 2,438 |
| Noncurrent loans to loans | 0.9460% | 1,635 |
| Net loans and leases to total assets | 49.0277% | 4,205 |
| Net loans and leases to deposits | 60.3662% | 4,095 |
| Net loans and leases to core deposits | 60.3662% | 4,242 |
| Total domestic deposits to total assets | 81.2172% | 3,558 |
| Equity capital to assets | 18.4381% | 269 |
| Core capital (leverage) ratio | 18.3746% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5958% | 293 |
| Memoranda: | ||
| Average total assets | $60,421,000 | 4,536 |
| Average earning assets | $57,569,667 | 4,503 |
| Average equity | $11,637,333 | 4,030 |
| Average total loans | $29,578,000 | 4,573 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 4,546 |
| Cost of funding earning assets | 0.2222% | 4,836 |
| Net interest margin | 3.3619% | 3,419 |
| Noninterest income to average assets | 0.7561% | 1,445 |
| Noninterest expense to average assets | 2.6089% | 2,958 |
| Loan and lease loss provision to assets | 0.5109% | 574 |
| Net operating income to assets | 0.6607% | 3,406 |
| Return on assets (ROA) | 0.6607% | 3,469 |
| Pretax return on assets | 0.8310% | 3,326 |
| Return on Equity (ROE) | 3.3528% | 4,130 |
| Retained earnings to average equity (ytd only) | 3.3528% | 2,939 |
| Net charge-offs to loans | 0.0421% | 1,615 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 65.6667% | 762 |
| Efficiency ratio | 66.0345% | 2,956 |
| Assets per employee ($millions) | 4.9290% | 2,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 1,792 |
| Loan loss allowance to noncurrent loans | 90.9502% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 1,810 |
| Noncurrent loans to loans | 1.5117% | 1,057 |
| Net loans and leases to total assets | 48.7523% | 4,303 |
| Net loans and leases to deposits | 61.0040% | 4,161 |
| Net loans and leases to core deposits | 61.0040% | 4,313 |
| Total domestic deposits to total assets | 79.9165% | 3,877 |
| Equity capital to assets | 19.7166% | 259 |
| Core capital (leverage) ratio | 19.6250% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,722,000 | 4,574 |
| Average earning assets | $55,802,000 | 4,544 |
| Average equity | $11,572,500 | 4,057 |
| Average total loans | $28,510,500 | 4,629 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 4,544 |
| Cost of funding earning assets | 0.2316% | 4,895 |
| Net interest margin | 3.5851% | 3,183 |
| Noninterest income to average assets | 0.3198% | 3,779 |
| Noninterest expense to average assets | 2.5312% | 3,364 |
| Loan and lease loss provision to assets | 2.0668% | 40 |
| Net operating income to assets | -0.6021% | 5,059 |
| Return on assets (ROA) | -0.6359% | 5,068 |
| Pretax return on assets | -0.9200% | 5,087 |
| Return on Equity (ROE) | -3.0832% | 5,049 |
| Retained earnings to average equity (ytd only) | -3.6894% | 4,940 |
| Net charge-offs to loans | 3.6443% | 28 |
| Credit loss provision to net charge-offs | 108.2320% | 2,303 |
| Earnings coverage of net charge-offs (x) | 0.6230% | 3,602 |
| Efficiency ratio | 68.0269% | 2,454 |
| Assets per employee ($millions) | 4.8433% | 2,784 |
| Cash dividends to net income (ytd only)* | -19.6629% | 5,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 2,494 |
| Loan loss allowance to noncurrent loans | 85.3093% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6676% | 1,921 |
| Noncurrent loans to loans | 1.3952% | 1,049 |
| Net loans and leases to total assets | 47.2798% | 4,468 |
| Net loans and leases to deposits | 58.9412% | 4,334 |
| Net loans and leases to core deposits | 58.9412% | 4,486 |
| Total domestic deposits to total assets | 80.2151% | 3,931 |
| Equity capital to assets | 19.7574% | 260 |
| Core capital (leverage) ratio | 20.2186% | 233 |
| Tier 1 risk-based capital ratio | 30.5965% | 452 |
| Total risk-based capital ratio | 31.4812% | 459 |
| Memoranda: | ||
| Average total assets | $55,981,200 | 4,651 |
| Average earning assets | $53,108,400 | 4,623 |
| Average equity | $11,546,600 | 4,047 |
| Average total loans | $29,333,400 | 4,654 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 4,575 |
| Cost of funding earning assets | 0.2460% | 4,929 |
| Net interest margin | 3.6239% | 3,184 |
| Noninterest income to average assets | 0.3317% | 3,760 |
| Noninterest expense to average assets | 2.7067% | 2,855 |
| Loan and lease loss provision to assets | 2.7813% | 28 |
| Net operating income to assets | -1.1780% | 5,185 |
| Return on assets (ROA) | -1.2236% | 5,193 |
| Pretax return on assets | -1.7788% | 5,202 |
| Return on Equity (ROE) | -5.8694% | 5,165 |
| Retained earnings to average equity (ytd only) | -5.8694% | 5,082 |
| Net charge-offs to loans | 4.7967% | 15 |
| Credit loss provision to net charge-offs | 108.2320% | 2,116 |
| Earnings coverage of net charge-offs (x) | 0.4125% | 3,361 |
| Efficiency ratio | 71.8571% | 1,862 |
| Assets per employee ($millions) | 4.4821% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 2,822 |
| Loan loss allowance to noncurrent loans | 69.6017% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 1,543 |
| Noncurrent loans to loans | 1.6398% | 892 |
| Net loans and leases to total assets | 53.4666% | 4,221 |
| Net loans and leases to deposits | 68.2643% | 3,902 |
| Net loans and leases to core deposits | 68.2643% | 4,156 |
| Total domestic deposits to total assets | 78.3230% | 4,299 |
| Equity capital to assets | 21.2048% | 210 |
| Core capital (leverage) ratio | 21.3093% | 187 |
| Tier 1 risk-based capital ratio | 30.0119% | 481 |
| Total risk-based capital ratio | 30.8884% | 488 |
| Memoranda: | ||
| Average total assets | $55,465,250 | 4,726 |
| Average earning assets | $52,575,000 | 4,698 |
| Average equity | $11,562,500 | 4,087 |
| Average total loans | $29,714,250 | 4,709 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,785 |
| Cost of funding earning assets | 0.2377% | 4,988 |
| Net interest margin | 3.5016% | 3,590 |
| Noninterest income to average assets | 0.3356% | 3,690 |
| Noninterest expense to average assets | 2.5703% | 3,273 |
| Loan and lease loss provision to assets | 3.2021% | 23 |
| Net operating income to assets | -2.2204% | 5,261 |
| Return on assets (ROA) | -2.3061% | 5,262 |
| Pretax return on assets | -2.2097% | 5,257 |
| Return on Equity (ROE) | -11.1235% | 5,246 |
| Retained earnings to average equity (ytd only) | -11.1235% | 5,188 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4501% | 2,157 |
| Assets per employee ($millions) | 4.5335% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6364% | 75 |
| Loan loss allowance to noncurrent loans | 65.0342% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 3.2278% | 168 |
| Noncurrent loans to loans | 5.5915% | 80 |
| Net loans and leases to total assets | 55.6285% | 4,095 |
| Net loans and leases to deposits | 70.5481% | 3,795 |
| Net loans and leases to core deposits | 70.5481% | 4,091 |
| Total domestic deposits to total assets | 78.8519% | 4,247 |
| Equity capital to assets | 20.6500% | 224 |
| Core capital (leverage) ratio | 20.3225% | 228 |
| Tier 1 risk-based capital ratio | 27.4949% | 589 |
| Total risk-based capital ratio | 28.7631% | 575 |
| Memoranda: | ||
| Average total assets | $56,025,330 | 4,753 |
| Average earning assets | $53,004,670 | 4,725 |
| Average equity | $11,615,000 | 4,098 |
| Average total loans | $29,922,670 | 4,740 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 4,417 |
| Cost of funding earning assets | 0.2308% | 5,039 |
| Net interest margin | 3.7443% | 2,728 |
| Noninterest income to average assets | 0.3800% | 3,325 |
| Noninterest expense to average assets | 2.6110% | 3,187 |
| Loan and lease loss provision to assets | 0.1759% | 950 |
| Net operating income to assets | 0.8445% | 3,471 |
| Return on assets (ROA) | 0.8445% | 3,512 |
| Pretax return on assets | 1.1331% | 3,034 |
| Return on Equity (ROE) | 4.0659% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.0659% | 3,291 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6068% | 2,852 |
| Assets per employee ($millions) | 4.7832% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,090 |
| Loan loss allowance to noncurrent loans | 37.5174% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 1,063 |
| Noncurrent loans to loans | 2.4453% | 543 |
| Net loans and leases to total assets | 50.6167% | 4,426 |
| Net loans and leases to deposits | 64.2595% | 4,165 |
| Net loans and leases to core deposits | 64.2595% | 4,365 |
| Total domestic deposits to total assets | 78.7693% | 4,393 |
| Equity capital to assets | 20.7115% | 214 |
| Core capital (leverage) ratio | 20.8549% | 205 |
| Tier 1 risk-based capital ratio | 29.9925% | 479 |
| Total risk-based capital ratio | 30.6650% | 489 |
| Memoranda: | ||
| Average total assets | $56,837,000 | 4,793 |
| Average earning assets | $53,735,500 | 4,767 |
| Average equity | $11,805,500 | 4,083 |
| Average total loans | $29,181,500 | 4,809 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 4,713 |
| Cost of funding earning assets | 0.1116% | 5,263 |
| Net interest margin | 3.5555% | 3,525 |
| Noninterest income to average assets | 0.3351% | 3,873 |
| Noninterest expense to average assets | 2.4675% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0430% | 2,831 |
| Return on assets (ROA) | 1.0430% | 2,816 |
| Pretax return on assets | 1.2612% | 2,645 |
| Return on Equity (ROE) | 4.9291% | 4,468 |
| Retained earnings to average equity (ytd only) | -7.0079% | 5,279 |
| Net charge-offs to loans | -0.0323% | 4,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1751% | 2,846 |
| Assets per employee ($millions) | 4.3289% | 3,414 |
| Cash dividends to net income (ytd only)* | 242.1746% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 4,394 |
| Loan loss allowance to noncurrent loans | 97.6000% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 2,790 |
| Noncurrent loans to loans | 0.8609% | 1,878 |
| Net loans and leases to total assets | 51.1710% | 4,446 |
| Net loans and leases to deposits | 64.9137% | 4,197 |
| Net loans and leases to core deposits | 64.9137% | 4,413 |
| Total domestic deposits to total assets | 78.8293% | 4,341 |
| Equity capital to assets | 20.8313% | 198 |
| Core capital (leverage) ratio | 20.7066% | 206 |
| Tier 1 risk-based capital ratio | 30.1572% | 468 |
| Total risk-based capital ratio | 30.7768% | 479 |
| Memoranda: | ||
| Average total assets | $58,196,400 | 4,796 |
| Average earning assets | $55,548,400 | 4,758 |
| Average equity | $12,314,600 | 3,987 |
| Average total loans | $27,824,600 | 4,868 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5546% | 4,864 |
| Cost of funding earning assets | 0.0900% | 5,374 |
| Net interest margin | 3.4647% | 3,824 |
| Noninterest income to average assets | 0.3409% | 3,865 |
| Noninterest expense to average assets | 2.4495% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9998% | 3,084 |
| Return on assets (ROA) | 0.9998% | 3,098 |
| Pretax return on assets | 1.2157% | 2,930 |
| Return on Equity (ROE) | 4.7073% | 4,647 |
| Retained earnings to average equity (ytd only) | -9.6286% | 5,388 |
| Net charge-offs to loans | -0.0436% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8320% | 2,745 |
| Assets per employee ($millions) | 4.4368% | 3,217 |
| Cash dividends to net income (ytd only)* | 304.5462% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,465 |
| Loan loss allowance to noncurrent loans | 174.2857% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,741 |
| Noncurrent loans to loans | 0.4874% | 2,928 |
| Net loans and leases to total assets | 49.3733% | 4,639 |
| Net loans and leases to deposits | 62.2865% | 4,433 |
| Net loans and leases to core deposits | 62.2865% | 4,598 |
| Total domestic deposits to total assets | 79.2680% | 4,265 |
| Equity capital to assets | 20.1668% | 227 |
| Core capital (leverage) ratio | 19.9390% | 235 |
| Tier 1 risk-based capital ratio | 29.7542% | 490 |
| Total risk-based capital ratio | 30.3675% | 508 |
| Memoranda: | ||
| Average total assets | $58,676,500 | 4,837 |
| Average earning assets | $56,300,500 | 4,794 |
| Average equity | $12,462,500 | 3,991 |
| Average total loans | $27,520,500 | 4,931 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 4,989 |
| Cost of funding earning assets | 0.0565% | 5,482 |
| Net interest margin | 3.3807% | 4,015 |
| Noninterest income to average assets | 0.3559% | 3,782 |
| Noninterest expense to average assets | 2.3590% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0134% | 2,958 |
| Return on assets (ROA) | 1.0134% | 2,967 |
| Pretax return on assets | 1.2439% | 2,746 |
| Return on Equity (ROE) | 4.6941% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.6941% | 3,236 |
| Net charge-offs to loans | -0.0664% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4751% | 3,070 |
| Assets per employee ($millions) | 5.0568% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,504 |
| Loan loss allowance to noncurrent loans | 113.4884% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 3,332 |
| Noncurrent loans to loans | 0.7596% | 2,220 |
| Net loans and leases to total assets | 46.2394% | 4,815 |
| Net loans and leases to deposits | 59.0417% | 4,588 |
| Net loans and leases to core deposits | 59.0417% | 4,748 |
| Total domestic deposits to total assets | 78.3165% | 4,534 |
| Equity capital to assets | 21.2122% | 184 |
| Core capital (leverage) ratio | 21.4845% | 176 |
| Tier 1 risk-based capital ratio | 32.2219% | 403 |
| Total risk-based capital ratio | 32.8250% | 418 |
| Memoranda: | ||
| Average total assets | $59,009,000 | 4,890 |
| Average earning assets | $56,674,330 | 4,845 |
| Average equity | $12,739,330 | 3,973 |
| Average total loans | $27,120,000 | 4,990 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3541% | 5,069 |
| Cost of funding earning assets | 0.0502% | 5,554 |
| Net interest margin | 3.3039% | 4,181 |
| Noninterest income to average assets | 0.4126% | 3,376 |
| Noninterest expense to average assets | 2.4960% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8320% | 3,585 |
| Return on assets (ROA) | 0.8320% | 3,599 |
| Pretax return on assets | 1.0864% | 3,219 |
| Return on Equity (ROE) | 3.8191% | 4,813 |
| Retained earnings to average equity (ytd only) | 3.8191% | 3,666 |
| Net charge-offs to loans | 0.0151% | 2,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 415 |
| Efficiency ratio | 69.6737% | 2,532 |
| Assets per employee ($millions) | 4.9663% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 4,609 |
| Loan loss allowance to noncurrent loans | 241.2371% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,272 |
| Noncurrent loans to loans | 0.3558% | 3,493 |
| Net loans and leases to total assets | 45.3494% | 4,829 |
| Net loans and leases to deposits | 57.9920% | 4,583 |
| Net loans and leases to core deposits | 57.9920% | 4,755 |
| Total domestic deposits to total assets | 78.1995% | 4,700 |
| Equity capital to assets | 21.3206% | 172 |
| Core capital (leverage) ratio | 21.5430% | 167 |
| Tier 1 risk-based capital ratio | 32.5586% | 390 |
| Total risk-based capital ratio | 33.1510% | 402 |
| Memoranda: | ||
| Average total assets | $58,172,500 | 4,963 |
| Average earning assets | $55,813,000 | 4,914 |
| Average equity | $12,673,000 | 4,022 |
| Average total loans | $26,528,500 | 5,062 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0998% | 5,291 |
| Cost of funding earning assets | 0.0574% | 5,599 |
| Net interest margin | 3.0423% | 4,800 |
| Noninterest income to average assets | 0.3270% | 4,134 |
| Noninterest expense to average assets | 2.3219% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7609% | 3,344 |
| Return on assets (ROA) | 0.7665% | 3,354 |
| Pretax return on assets | 0.9447% | 3,758 |
| Return on Equity (ROE) | 3.5325% | 4,674 |
| Retained earnings to average equity (ytd only) | 2.4959% | 3,834 |
| Net charge-offs to loans | 0.0117% | 3,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 180.6667% | 428 |
| Efficiency ratio | 71.2314% | 2,348 |
| Assets per employee ($millions) | 4.7292% | 2,826 |
| Cash dividends to net income (ytd only)* | 29.3454% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 4,413 |
| Loan loss allowance to noncurrent loans | 573.1707% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,757 |
| Noncurrent loans to loans | 0.1589% | 4,293 |
| Net loans and leases to total assets | 45.0432% | 4,934 |
| Net loans and leases to deposits | 58.2331% | 4,679 |
| Net loans and leases to core deposits | 58.2331% | 4,840 |
| Total domestic deposits to total assets | 77.3498% | 4,819 |
| Equity capital to assets | 22.2731% | 145 |
| Core capital (leverage) ratio | 21.8806% | 150 |
| Tier 1 risk-based capital ratio | 33.8623% | 347 |
| Total risk-based capital ratio | 34.4871% | 357 |
| Memoranda: | ||
| Average total assets | $57,797,000 | 5,010 |
| Average earning assets | $55,713,600 | 4,961 |
| Average equity | $12,540,600 | 4,049 |
| Average total loans | $25,589,200 | 5,141 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0250% | 5,391 |
| Cost of funding earning assets | 0.0548% | 5,672 |
| Net interest margin | 2.9703% | 4,986 |
| Noninterest income to average assets | 0.3238% | 4,223 |
| Noninterest expense to average assets | 2.3493% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5338% | 4,641 |
| Return on assets (ROA) | 0.5397% | 4,649 |
| Pretax return on assets | 0.8474% | 4,216 |
| Return on Equity (ROE) | 2.5035% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.5035% | 4,395 |
| Net charge-offs to loans | 0.0105% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 182.2659% | 468 |
| Efficiency ratio | 73.7032% | 1,941 |
| Assets per employee ($millions) | 4.7368% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 4,643 |
| Loan loss allowance to noncurrent loans | 406.8966% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 4,728 |
| Noncurrent loans to loans | 0.2166% | 4,196 |
| Net loans and leases to total assets | 46.7022% | 4,900 |
| Net loans and leases to deposits | 60.6461% | 4,604 |
| Net loans and leases to core deposits | 60.6461% | 4,785 |
| Total domestic deposits to total assets | 77.0078% | 4,893 |
| Equity capital to assets | 22.2375% | 147 |
| Core capital (leverage) ratio | 21.8978% | 146 |
| Tier 1 risk-based capital ratio | 33.3105% | 371 |
| Total risk-based capital ratio | 33.9315% | 385 |
| Memoranda: | ||
| Average total assets | $58,058,750 | 5,060 |
| Average earning assets | $55,975,750 | 5,006 |
| Average equity | $12,515,750 | 4,095 |
| Average total loans | $25,537,250 | 5,194 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9556% | 5,465 |
| Cost of funding earning assets | 0.0567% | 5,709 |
| Net interest margin | 2.8989% | 5,098 |
| Noninterest income to average assets | 0.3387% | 4,127 |
| Noninterest expense to average assets | 2.3570% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5850% | 4,370 |
| Return on assets (ROA) | 0.5952% | 4,374 |
| Pretax return on assets | 0.7936% | 4,293 |
| Return on Equity (ROE) | 2.7897% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.7897% | 4,040 |
| Net charge-offs to loans | 0.0159% | 2,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 599 |
| Efficiency ratio | 75.1363% | 1,836 |
| Assets per employee ($millions) | 4.8467% | 2,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,569 |
| Loan loss allowance to noncurrent loans | 470.0000% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 4,850 |
| Noncurrent loans to loans | 0.1951% | 4,337 |
| Net loans and leases to total assets | 43.6623% | 5,059 |
| Net loans and leases to deposits | 56.1094% | 4,852 |
| Net loans and leases to core deposits | 56.1094% | 4,987 |
| Total domestic deposits to total assets | 77.8164% | 4,842 |
| Equity capital to assets | 21.6145% | 154 |
| Core capital (leverage) ratio | 21.5449% | 148 |
| Tier 1 risk-based capital ratio | 33.0726% | 362 |
| Total risk-based capital ratio | 33.6895% | 378 |
| Memoranda: | ||
| Average total assets | $58,464,670 | 5,093 |
| Average earning assets | $56,435,000 | 5,039 |
| Average equity | $12,474,330 | 4,115 |
| Average total loans | $25,122,330 | 5,243 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8022% | 5,598 |
| Cost of funding earning assets | 0.0494% | 5,785 |
| Net interest margin | 2.7528% | 5,325 |
| Noninterest income to average assets | 0.3412% | 4,114 |
| Noninterest expense to average assets | 2.4703% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3412% | 5,098 |
| Return on assets (ROA) | 0.3412% | 5,117 |
| Pretax return on assets | 0.5323% | 4,894 |
| Return on Equity (ROE) | 1.6095% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.6095% | 4,463 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2727% | 1,135 |
| Assets per employee ($millions) | 4.9561% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 4,508 |
| Loan loss allowance to noncurrent loans | 228.8462% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,543 |
| Noncurrent loans to loans | 0.4186% | 3,591 |
| Net loans and leases to total assets | 41.3734% | 5,189 |
| Net loans and leases to deposits | 52.7777% | 4,993 |
| Net loans and leases to core deposits | 52.7777% | 5,117 |
| Total domestic deposits to total assets | 78.3919% | 4,922 |
| Equity capital to assets | 20.9322% | 174 |
| Core capital (leverage) ratio | 20.9792% | 164 |
| Tier 1 risk-based capital ratio | 33.3049% | 371 |
| Total risk-based capital ratio | 33.9403% | 380 |
| Memoranda: | ||
| Average total assets | $58,617,000 | 5,140 |
| Average earning assets | $56,670,000 | 5,086 |
| Average equity | $12,426,000 | 4,145 |
| Average total loans | $24,869,000 | 5,301 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7776% | 5,656 |
| Cost of funding earning assets | 0.0573% | 5,824 |
| Net interest margin | 2.7203% | 5,395 |
| Noninterest income to average assets | 0.2191% | 5,103 |
| Noninterest expense to average assets | 2.1496% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4266% | 4,858 |
| Return on assets (ROA) | 0.4364% | 4,923 |
| Pretax return on assets | 0.6846% | 4,546 |
| Return on Equity (ROE) | 2.0560% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.0482% | 4,896 |
| Net charge-offs to loans | 0.0043% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 208 |
| Efficiency ratio | 76.2599% | 1,943 |
| Assets per employee ($millions) | 4.8134% | 2,625 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 4,547 |
| Loan loss allowance to noncurrent loans | 286.7470% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 4,735 |
| Noncurrent loans to loans | 0.3334% | 3,946 |
| Net loans and leases to total assets | 42.6862% | 5,197 |
| Net loans and leases to deposits | 54.7534% | 4,978 |
| Net loans and leases to core deposits | 54.7534% | 5,114 |
| Total domestic deposits to total assets | 77.9609% | 4,981 |
| Equity capital to assets | 21.4730% | 166 |
| Core capital (leverage) ratio | 21.0607% | 165 |
| Tier 1 risk-based capital ratio | 33.9583% | 350 |
| Total risk-based capital ratio | 34.6088% | 360 |
| Memoranda: | ||
| Average total assets | $58,428,400 | 5,178 |
| Average earning assets | $55,840,200 | 5,131 |
| Average equity | $12,402,800 | 4,190 |
| Average total loans | $23,516,000 | 5,406 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7238% | 5,753 |
| Cost of funding earning assets | 0.0596% | 5,889 |
| Net interest margin | 2.6642% | 5,530 |
| Noninterest income to average assets | 0.2025% | 5,257 |
| Noninterest expense to average assets | 2.1298% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3578% | 5,146 |
| Return on assets (ROA) | 0.3709% | 5,198 |
| Pretax return on assets | 0.6348% | 4,780 |
| Return on Equity (ROE) | 1.7523% | 5,518 |
| Retained earnings to average equity (ytd only) | 1.7523% | 4,804 |
| Net charge-offs to loans | -0.0057% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6119% | 1,750 |
| Assets per employee ($millions) | 5.2981% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,791 |
| Loan loss allowance to noncurrent loans | 440.7407% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,071 |
| Noncurrent loans to loans | 0.2094% | 4,517 |
| Net loans and leases to total assets | 43.8374% | 5,203 |
| Net loans and leases to deposits | 56.3414% | 4,969 |
| Net loans and leases to core deposits | 56.3414% | 5,134 |
| Total domestic deposits to total assets | 77.8068% | 4,948 |
| Equity capital to assets | 21.4177% | 186 |
| Core capital (leverage) ratio | 21.1311% | 165 |
| Tier 1 risk-based capital ratio | 33.6376% | 368 |
| Total risk-based capital ratio | 34.2802% | 376 |
| Memoranda: | ||
| Average total assets | $58,595,250 | 5,214 |
| Average earning assets | $55,900,500 | 5,174 |
| Average equity | $12,402,750 | 4,224 |
| Average total loans | $23,171,500 | 5,467 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6172% | 5,866 |
| Cost of funding earning assets | 0.0606% | 5,968 |
| Net interest margin | 2.5566% | 5,703 |
| Noninterest income to average assets | 0.2010% | 5,296 |
| Noninterest expense to average assets | 2.0443% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3552% | 5,168 |
| Return on assets (ROA) | 0.3748% | 5,193 |
| Pretax return on assets | 0.6303% | 4,817 |
| Return on Equity (ROE) | 1.7776% | 5,558 |
| Retained earnings to average equity (ytd only) | 1.7776% | 4,666 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3196% | 1,882 |
| Assets per employee ($millions) | 5.3571% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 4,711 |
| Loan loss allowance to noncurrent loans | 551.1628% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 5,251 |
| Noncurrent loans to loans | 0.1747% | 4,735 |
| Net loans and leases to total assets | 41.3606% | 5,364 |
| Net loans and leases to deposits | 52.8527% | 5,211 |
| Net loans and leases to core deposits | 52.8527% | 5,332 |
| Total domestic deposits to total assets | 78.2565% | 4,946 |
| Equity capital to assets | 21.1105% | 180 |
| Core capital (leverage) ratio | 21.2118% | 154 |
| Tier 1 risk-based capital ratio | 34.4814% | 346 |
| Total risk-based capital ratio | 35.1402% | 358 |
| Memoranda: | ||
| Average total assets | $58,700,670 | 5,272 |
| Average earning assets | $56,090,670 | 5,220 |
| Average equity | $12,376,330 | 4,253 |
| Average total loans | $22,300,000 | 5,554 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5536% | 5,949 |
| Cost of funding earning assets | 0.0571% | 6,033 |
| Net interest margin | 2.4966% | 5,810 |
| Noninterest income to average assets | 0.2321% | 5,080 |
| Noninterest expense to average assets | 2.1165% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3482% | 5,155 |
| Return on assets (ROA) | 0.3482% | 5,240 |
| Pretax return on assets | 0.5052% | 5,073 |
| Return on Equity (ROE) | 1.6526% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.6526% | 4,613 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7292% | 1,521 |
| Assets per employee ($millions) | 5.3845% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,945 |
| Loan loss allowance to noncurrent loans | 123.9583% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 4,268 |
| Noncurrent loans to loans | 0.9036% | 2,594 |
| Net loans and leases to total assets | 35.4719% | 5,656 |
| Net loans and leases to deposits | 45.0829% | 5,556 |
| Net loans and leases to core deposits | 45.0829% | 5,626 |
| Total domestic deposits to total assets | 78.6814% | 5,035 |
| Equity capital to assets | 20.8678% | 184 |
| Core capital (leverage) ratio | 20.8094% | 168 |
| Tier 1 risk-based capital ratio | 36.4845% | 298 |
| Total risk-based capital ratio | 37.1879% | 305 |
| Memoranda: | ||
| Average total assets | $58,587,000 | 5,323 |
| Average earning assets | $56,077,000 | 5,265 |
| Average equity | $12,344,500 | 4,277 |
| Average total loans | $21,145,000 | 5,641 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4361% | 6,020 |
| Cost of funding earning assets | 0.0613% | 6,088 |
| Net interest margin | 2.3748% | 5,905 |
| Noninterest income to average assets | 0.1900% | 5,455 |
| Noninterest expense to average assets | 2.0608% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3655% | 5,158 |
| Return on assets (ROA) | 0.3655% | 5,246 |
| Pretax return on assets | 0.4166% | 5,287 |
| Return on Equity (ROE) | 1.8634% | 5,602 |
| Retained earnings to average equity (ytd only) | 0.8463% | 5,182 |
| Net charge-offs to loans | -0.0048% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1830% | 1,257 |
| Assets per employee ($millions) | 4.8287% | 2,562 |
| Cash dividends to net income (ytd only)* | 54.5852% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,862 |
| Loan loss allowance to noncurrent loans | 123.3161% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 4,164 |
| Noncurrent loans to loans | 0.9172% | 2,507 |
| Net loans and leases to total assets | 35.9036% | 5,713 |
| Net loans and leases to deposits | 45.8420% | 5,576 |
| Net loans and leases to core deposits | 45.8420% | 5,655 |
| Total domestic deposits to total assets | 78.3204% | 5,097 |
| Equity capital to assets | 21.2774% | 166 |
| Core capital (leverage) ratio | 20.5685% | 176 |
| Tier 1 risk-based capital ratio | 37.2038% | 275 |
| Total risk-based capital ratio | 37.9240% | 288 |
| Memoranda: | ||
| Average total assets | $62,647,000 | 5,255 |
| Average earning assets | $60,342,200 | 5,176 |
| Average equity | $12,289,200 | 4,247 |
| Average total loans | $20,970,600 | 5,683 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4136% | 6,118 |
| Cost of funding earning assets | 0.0606% | 6,179 |
| Net interest margin | 2.3530% | 6,003 |
| Noninterest income to average assets | 0.1818% | 5,567 |
| Noninterest expense to average assets | 2.0640% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3551% | 5,302 |
| Return on assets (ROA) | 0.3551% | 5,390 |
| Pretax return on assets | 0.3886% | 5,483 |
| Return on Equity (ROE) | 1.8459% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.8133% | 4,971 |
| Net charge-offs to loans | -0.0063% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1567% | 1,152 |
| Assets per employee ($millions) | 5.0744% | 2,207 |
| Cash dividends to net income (ytd only)* | 1.7648% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 4,024 |
| Loan loss allowance to noncurrent loans | 114.9758% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 4,415 |
| Noncurrent loans to loans | 0.9878% | 2,522 |
| Net loans and leases to total assets | 34.0220% | 5,857 |
| Net loans and leases to deposits | 43.0313% | 5,761 |
| Net loans and leases to core deposits | 43.0313% | 5,824 |
| Total domestic deposits to total assets | 79.0633% | 4,959 |
| Equity capital to assets | 20.3652% | 217 |
| Core capital (leverage) ratio | 19.8042% | 214 |
| Tier 1 risk-based capital ratio | 40.5520% | 242 |
| Total risk-based capital ratio | 41.3330% | 246 |
| Memoranda: | ||
| Average total assets | $63,822,750 | 5,288 |
| Average earning assets | $61,593,000 | 5,202 |
| Average equity | $12,279,250 | 4,305 |
| Average total loans | $20,952,750 | 5,751 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4253% | 6,188 |
| Cost of funding earning assets | 0.0607% | 6,251 |
| Net interest margin | 2.3646% | 6,060 |
| Noninterest income to average assets | 0.1728% | 5,666 |
| Noninterest expense to average assets | 1.9969% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3735% | 5,226 |
| Return on assets (ROA) | 0.3735% | 5,340 |
| Pretax return on assets | 0.4599% | 5,329 |
| Return on Equity (ROE) | 1.9773% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.9283% | 4,735 |
| Net charge-offs to loans | -0.0191% | 5,159 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2814% | 1,587 |
| Assets per employee ($millions) | 5.2813% | 1,946 |
| Cash dividends to net income (ytd only)* | 2.4793% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 3,911 |
| Loan loss allowance to noncurrent loans | 101.2712% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 4,407 |
| Noncurrent loans to loans | 1.1642% | 2,320 |
| Net loans and leases to total assets | 31.6087% | 5,995 |
| Net loans and leases to deposits | 39.4914% | 5,920 |
| Net loans and leases to core deposits | 39.4914% | 5,974 |
| Total domestic deposits to total assets | 80.0394% | 4,857 |
| Equity capital to assets | 19.4572% | 247 |
| Core capital (leverage) ratio | 18.9234% | 237 |
| Tier 1 risk-based capital ratio | 39.9636% | 257 |
| Total risk-based capital ratio | 40.7397% | 271 |
| Memoranda: | ||
| Average total assets | $64,799,330 | 5,328 |
| Average earning assets | $62,589,670 | 5,236 |
| Average equity | $12,238,670 | 4,335 |
| Average total loans | $20,952,000 | 5,811 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4714% | 6,232 |
| Cost of funding earning assets | 0.0629% | 6,318 |
| Net interest margin | 2.4086% | 6,095 |
| Noninterest income to average assets | 0.2137% | 5,421 |
| Noninterest expense to average assets | 2.0638% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3297% | 5,308 |
| Return on assets (ROA) | 0.3297% | 5,418 |
| Pretax return on assets | 0.4885% | 5,211 |
| Return on Equity (ROE) | 1.7716% | 5,736 |
| Retained earnings to average equity (ytd only) | 1.7716% | 4,761 |
| Net charge-offs to loans | -0.0188% | 5,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8612% | 1,777 |
| Assets per employee ($millions) | 5.5468% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 4,176 |
| Loan loss allowance to noncurrent loans | 101.7094% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 4,600 |
| Noncurrent loans to loans | 1.1449% | 2,482 |
| Net loans and leases to total assets | 30.3496% | 6,060 |
| Net loans and leases to deposits | 37.3975% | 6,007 |
| Net loans and leases to core deposits | 37.3975% | 6,063 |
| Total domestic deposits to total assets | 81.1541% | 4,783 |
| Equity capital to assets | 18.4057% | 303 |
| Core capital (leverage) ratio | 18.0158% | 284 |
| Tier 1 risk-based capital ratio | 95.7232% | 55 |
| Total risk-based capital ratio | 97.5841% | 57 |
| Memoranda: | ||
| Average total assets | $65,511,500 | 5,365 |
| Average earning assets | $63,606,500 | 5,258 |
| Average equity | $12,192,500 | 4,379 |
| Average total loans | $21,292,500 | 5,848 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2406% | 6,394 |
| Cost of funding earning assets | 0.0680% | 6,401 |
| Net interest margin | 2.1726% | 6,317 |
| Noninterest income to average assets | 0.1670% | 5,864 |
| Noninterest expense to average assets | 1.8130% | 6,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3808% | 5,287 |
| Return on assets (ROA) | 0.3808% | 5,358 |
| Pretax return on assets | 0.4584% | 5,363 |
| Return on Equity (ROE) | 2.1460% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.1142% | 5,275 |
| Net charge-offs to loans | -0.0598% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8195% | 1,961 |
| Assets per employee ($millions) | 5.3718% | 1,888 |
| Cash dividends to net income (ytd only)* | 48.0769% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 4,690 |
| Loan loss allowance to noncurrent loans | 57.2464% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6422% | 3,648 |
| Noncurrent loans to loans | 1.8694% | 1,517 |
| Net loans and leases to total assets | 33.9875% | 6,036 |
| Net loans and leases to deposits | 42.0333% | 5,970 |
| Net loans and leases to core deposits | 42.0333% | 6,040 |
| Total domestic deposits to total assets | 80.8585% | 4,779 |
| Equity capital to assets | 18.8235% | 273 |
| Core capital (leverage) ratio | 18.3077% | 276 |
| Tier 1 risk-based capital ratio | 40.1079% | 237 |
| Total risk-based capital ratio | 40.8877% | 238 |
| Memoranda: | ||
| Average total assets | $68,283,000 | 5,339 |
| Average earning assets | $66,142,600 | 5,220 |
| Average equity | $12,115,800 | 4,336 |
| Average total loans | $20,056,400 | 5,956 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2309% | 6,476 |
| Cost of funding earning assets | 0.0677% | 6,484 |
| Net interest margin | 2.1632% | 6,405 |
| Noninterest income to average assets | 0.1637% | 5,936 |
| Noninterest expense to average assets | 1.7812% | 6,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3717% | 5,363 |
| Return on assets (ROA) | 0.3717% | 5,438 |
| Pretax return on assets | 0.4737% | 5,396 |
| Return on Equity (ROE) | 2.1247% | 5,810 |
| Retained earnings to average equity (ytd only) | 2.1247% | 4,993 |
| Net charge-offs to loans | -0.1024% | 6,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9923% | 2,057 |
| Assets per employee ($millions) | 5.5713% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,990 |
| Loan loss allowance to noncurrent loans | 57.2792% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6267% | 3,952 |
| Noncurrent loans to loans | 2.1727% | 1,407 |
| Net loans and leases to total assets | 28.4870% | 6,305 |
| Net loans and leases to deposits | 35.0433% | 6,270 |
| Net loans and leases to core deposits | 35.0433% | 6,296 |
| Total domestic deposits to total assets | 81.2909% | 4,734 |
| Equity capital to assets | 18.2290% | 320 |
| Core capital (leverage) ratio | 18.3620% | 280 |
| Tier 1 risk-based capital ratio | 42.8147% | 202 |
| Total risk-based capital ratio | 43.6537% | 205 |
| Memoranda: | ||
| Average total assets | $69,238,250 | 5,366 |
| Average earning assets | $66,936,000 | 5,253 |
| Average equity | $12,111,250 | 4,365 |
| Average total loans | $19,534,000 | 6,043 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2646% | 6,538 |
| Cost of funding earning assets | 0.0709% | 6,549 |
| Net interest margin | 2.1938% | 6,453 |
| Noninterest income to average assets | 0.1799% | 5,869 |
| Noninterest expense to average assets | 1.7478% | 6,213 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4255% | 5,113 |
| Return on assets (ROA) | 0.4255% | 5,196 |
| Pretax return on assets | 0.5540% | 5,122 |
| Return on Equity (ROE) | 2.4657% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.4657% | 4,641 |
| Net charge-offs to loans | -0.1325% | 6,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9305% | 2,652 |
| Assets per employee ($millions) | 5.7783% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 4,498 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 4,836 |
| Noncurrent loans to loans | 1.3534% | 2,547 |
| Net loans and leases to total assets | 28.6419% | 6,343 |
| Net loans and leases to deposits | 34.8990% | 6,324 |
| Net loans and leases to core deposits | 34.8990% | 6,355 |
| Total domestic deposits to total assets | 82.0707% | 4,617 |
| Equity capital to assets | 17.5067% | 362 |
| Core capital (leverage) ratio | 17.3713% | 339 |
| Tier 1 risk-based capital ratio | 40.8619% | 222 |
| Total risk-based capital ratio | 41.6589% | 228 |
| Memoranda: | ||
| Average total assets | $70,032,670 | 5,389 |
| Average earning assets | $67,737,670 | 5,276 |
| Average equity | $12,086,000 | 4,377 |
| Average total loans | $19,617,000 | 6,093 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3065% | 6,600 |
| Cost of funding earning assets | 0.0649% | 6,638 |
| Net interest margin | 2.2416% | 6,506 |
| Noninterest income to average assets | 0.2160% | 5,625 |
| Noninterest expense to average assets | 1.7846% | 6,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4717% | 4,831 |
| Return on assets (ROA) | 0.4717% | 4,909 |
| Pretax return on assets | 0.5911% | 4,857 |
| Return on Equity (ROE) | 2.7530% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.7530% | 4,436 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1196% | 2,946 |
| Assets per employee ($millions) | 5.9703% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 4,788 |
| Loan loss allowance to noncurrent loans | 80.6452% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 4,979 |
| Noncurrent loans to loans | 1.4475% | 2,616 |
| Net loans and leases to total assets | 26.5898% | 6,456 |
| Net loans and leases to deposits | 32.1530% | 6,433 |
| Net loans and leases to core deposits | 32.3155% | 6,457 |
| Total domestic deposits to total assets | 82.6978% | 4,717 |
| Equity capital to assets | 16.9267% | 404 |
| Core capital (leverage) ratio | 16.8736% | 378 |
| Tier 1 risk-based capital ratio | 40.8467% | 223 |
| Total risk-based capital ratio | 41.6038% | 225 |
| Memoranda: | ||
| Average total assets | $70,379,500 | 5,432 |
| Average earning assets | $67,807,500 | 5,323 |
| Average equity | $12,059,500 | 4,408 |
| Average total loans | $19,376,500 | 6,161 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3858% | 6,651 |
| Cost of funding earning assets | 0.0862% | 6,700 |
| Net interest margin | 2.2996% | 6,525 |
| Noninterest income to average assets | 0.1851% | 5,986 |
| Noninterest expense to average assets | 2.1853% | 5,666 |
| Loan and lease loss provision to assets | -0.4747% | 6,737 |
| Net operating income to assets | 0.5446% | 4,532 |
| Return on assets (ROA) | 0.5523% | 4,625 |
| Pretax return on assets | 0.6804% | 4,609 |
| Return on Equity (ROE) | 2.9067% | 5,540 |
| Retained earnings to average equity (ytd only) | 1.8656% | 4,908 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7608% | 890 |
| Assets per employee ($millions) | 4.9368% | 2,255 |
| Cash dividends to net income (ytd only)* | 35.8166% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 4,883 |
| Loan loss allowance to noncurrent loans | 261.6279% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 5,950 |
| Noncurrent loans to loans | 0.4415% | 4,898 |
| Net loans and leases to total assets | 27.8565% | 6,526 |
| Net loans and leases to deposits | 33.8092% | 6,494 |
| Net loans and leases to core deposits | 33.9865% | 6,521 |
| Total domestic deposits to total assets | 82.3931% | 4,739 |
| Equity capital to assets | 17.3508% | 371 |
| Core capital (leverage) ratio | 19.6435% | 214 |
| Tier 1 risk-based capital ratio | 41.0299% | 213 |
| Total risk-based capital ratio | 41.7957% | 217 |
| Memoranda: | ||
| Average total assets | $63,193,800 | 5,672 |
| Average earning assets | $60,357,200 | 5,580 |
| Average equity | $12,006,600 | 4,437 |
| Average total loans | $18,077,000 | 6,280 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4297% | 6,721 |
| Cost of funding earning assets | 0.0906% | 6,782 |
| Net interest margin | 2.3391% | 6,564 |
| Noninterest income to average assets | 0.1988% | 5,988 |
| Noninterest expense to average assets | 2.3031% | 5,335 |
| Loan and lease loss provision to assets | -0.6481% | 6,851 |
| Net operating income to assets | 0.6013% | 4,342 |
| Return on assets (ROA) | 0.6114% | 4,431 |
| Pretax return on assets | 0.7886% | 4,342 |
| Return on Equity (ROE) | 3.1416% | 5,552 |
| Retained earnings to average equity (ytd only) | 3.1416% | 4,431 |
| Net charge-offs to loans | -0.0075% | 5,839 |
| Credit loss provision to net charge-offs | 30,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7556% | 693 |
| Assets per employee ($millions) | 4.3553% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,409 |
| Loan loss allowance to noncurrent loans | 525.5814% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 6,224 |
| Noncurrent loans to loans | 0.2466% | 5,616 |
| Net loans and leases to total assets | 28.2251% | 6,590 |
| Net loans and leases to deposits | 35.3628% | 6,532 |
| Net loans and leases to core deposits | 35.5799% | 6,573 |
| Total domestic deposits to total assets | 79.8160% | 5,557 |
| Equity capital to assets | 19.6936% | 225 |
| Core capital (leverage) ratio | 19.7473% | 210 |
| Tier 1 risk-based capital ratio | 46.1257% | 161 |
| Total risk-based capital ratio | 46.9863% | 165 |
| Memoranda: | ||
| Average total assets | $61,713,500 | 5,775 |
| Average earning assets | $58,880,500 | 5,686 |
| Average equity | $12,010,250 | 4,491 |
| Average total loans | $17,726,750 | 6,358 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4189% | 6,760 |
| Cost of funding earning assets | 0.0913% | 6,839 |
| Net interest margin | 2.3275% | 6,600 |
| Noninterest income to average assets | 0.2001% | 6,007 |
| Noninterest expense to average assets | 2.1691% | 5,703 |
| Loan and lease loss provision to assets | -0.9684% | 6,916 |
| Net operating income to assets | 0.9056% | 2,759 |
| Return on assets (ROA) | 0.9199% | 2,836 |
| Pretax return on assets | 1.2395% | 2,524 |
| Return on Equity (ROE) | 4.7456% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.7456% | 3,232 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6000% | 1,078 |
| Assets per employee ($millions) | 4.3632% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,334 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 5,902 |
| Noncurrent loans to loans | 0.7128% | 4,501 |
| Net loans and leases to total assets | 27.1933% | 6,651 |
| Net loans and leases to deposits | 33.9909% | 6,609 |
| Net loans and leases to core deposits | 34.1987% | 6,646 |
| Total domestic deposits to total assets | 80.0016% | 5,603 |
| Equity capital to assets | 19.5907% | 226 |
| Core capital (leverage) ratio | 19.5546% | 213 |
| Tier 1 risk-based capital ratio | 46.9633% | 150 |
| Total risk-based capital ratio | 47.8354% | 152 |
| Memoranda: | ||
| Average total assets | $61,960,000 | 5,803 |
| Average earning assets | $59,118,330 | 5,722 |
| Average equity | $12,011,000 | 4,532 |
| Average total loans | $17,823,670 | 6,396 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3476% | 6,852 |
| Cost of funding earning assets | 0.0939% | 6,916 |
| Net interest margin | 2.2537% | 6,724 |
| Noninterest income to average assets | 0.2244% | 5,868 |
| Noninterest expense to average assets | 2.1732% | 5,757 |
| Loan and lease loss provision to assets | -1.2821% | 7,001 |
| Net operating income to assets | 1.0257% | 2,122 |
| Return on assets (ROA) | 1.0257% | 2,236 |
| Pretax return on assets | 1.4872% | 1,595 |
| Return on Equity (ROE) | 5.3187% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.3187% | 3,045 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3747% | 1,037 |
| Assets per employee ($millions) | 4.9060% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8252% | 2,532 |
| Loan loss allowance to noncurrent loans | 257.9365% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 5,981 |
| Noncurrent loans to loans | 0.7076% | 4,712 |
| Net loans and leases to total assets | 27.4091% | 6,687 |
| Net loans and leases to deposits | 34.0389% | 6,637 |
| Net loans and leases to core deposits | 34.2362% | 6,665 |
| Total domestic deposits to total assets | 80.5231% | 5,622 |
| Equity capital to assets | 18.9752% | 273 |
| Core capital (leverage) ratio | 18.4191% | 263 |
| Tier 1 risk-based capital ratio | 44.2081% | 178 |
| Total risk-based capital ratio | 45.4063% | 176 |
| Memoranda: | ||
| Average total assets | $62,397,500 | 5,853 |
| Average earning assets | $59,635,500 | 5,755 |
| Average equity | $12,033,000 | 4,569 |
| Average total loans | $18,317,500 | 6,441 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6886% | 6,880 |
| Cost of funding earning assets | 0.1270% | 6,964 |
| Net interest margin | 2.5616% | 6,665 |
| Noninterest income to average assets | 0.1899% | 6,048 |
| Noninterest expense to average assets | 2.1066% | 6,112 |
| Loan and lease loss provision to assets | -0.2476% | 6,999 |
| Net operating income to assets | 0.6307% | 4,083 |
| Return on assets (ROA) | 0.6307% | 4,353 |
| Pretax return on assets | 0.7627% | 4,440 |
| Return on Equity (ROE) | 3.2294% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.1726% | 4,703 |
| Net charge-offs to loans | -1.2284% | 7,030 |
| Credit loss provision to net charge-offs | 65.2174% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3526% | 2,105 |
| Assets per employee ($millions) | 5.5470% | 1,645 |
| Cash dividends to net income (ytd only)* | 32.7225% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7829% | 834 |
| Loan loss allowance to noncurrent loans | 391.0448% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 6,010 |
| Noncurrent loans to loans | 0.7117% | 4,762 |
| Net loans and leases to total assets | 29.9998% | 6,698 |
| Net loans and leases to deposits | 37.4864% | 6,649 |
| Net loans and leases to core deposits | 37.7151% | 6,686 |
| Total domestic deposits to total assets | 80.0285% | 5,655 |
| Equity capital to assets | 19.6077% | 241 |
| Core capital (leverage) ratio | 18.8071% | 241 |
| Tier 1 risk-based capital ratio | 43.4883% | 186 |
| Total risk-based capital ratio | 44.7455% | 183 |
| Memoranda: | ||
| Average total assets | $60,572,400 | 5,910 |
| Average earning assets | $57,502,200 | 5,825 |
| Average equity | $11,829,000 | 4,603 |
| Average total loans | $18,724,200 | 6,480 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7071% | 6,995 |
| Cost of funding earning assets | 0.1301% | 7,074 |
| Net interest margin | 2.5770% | 6,779 |
| Noninterest income to average assets | 0.1919% | 6,148 |
| Noninterest expense to average assets | 2.1986% | 5,953 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3991% | 5,251 |
| Return on assets (ROA) | 0.3991% | 5,471 |
| Pretax return on assets | 0.4388% | 5,626 |
| Return on Equity (ROE) | 2.0460% | 6,011 |
| Retained earnings to average equity (ytd only) | 2.0460% | 5,301 |
| Net charge-offs to loans | -1.6187% | 7,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3612% | 1,663 |
| Assets per employee ($millions) | 5.6166% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6565% | 409 |
| Loan loss allowance to noncurrent loans | 333.8308% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 5,877 |
| Noncurrent loans to loans | 1.0953% | 4,238 |
| Net loans and leases to total assets | 28.6163% | 6,859 |
| Net loans and leases to deposits | 35.6516% | 6,823 |
| Net loans and leases to core deposits | 35.8657% | 6,858 |
| Total domestic deposits to total assets | 80.2664% | 5,586 |
| Equity capital to assets | 19.2577% | 281 |
| Core capital (leverage) ratio | 19.0919% | 246 |
| Tier 1 risk-based capital ratio | 43.6523% | 190 |
| Total risk-based capital ratio | 44.9185% | 187 |
| Memoranda: | ||
| Average total assets | $60,461,250 | 5,980 |
| Average earning assets | $57,378,500 | 5,894 |
| Average equity | $11,795,250 | 4,656 |
| Average total loans | $18,698,000 | 6,568 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7377% | 7,066 |
| Cost of funding earning assets | 0.1365% | 7,143 |
| Net interest margin | 2.6012% | 6,814 |
| Noninterest income to average assets | 0.2066% | 6,082 |
| Noninterest expense to average assets | 2.1226% | 6,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5198% | 4,724 |
| Return on assets (ROA) | 0.5198% | 4,996 |
| Pretax return on assets | 0.5598% | 5,278 |
| Return on Equity (ROE) | 2.6528% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.6528% | 4,853 |
| Net charge-offs to loans | -2.4025% | 7,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1304% | 2,306 |
| Assets per employee ($millions) | 5.1271% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6216% | 453 |
| Loan loss allowance to noncurrent loans | 421.3836% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 6,127 |
| Noncurrent loans to loans | 0.8595% | 4,788 |
| Net loans and leases to total assets | 28.9801% | 6,902 |
| Net loans and leases to deposits | 36.0617% | 6,873 |
| Net loans and leases to core deposits | 36.2782% | 6,908 |
| Total domestic deposits to total assets | 80.3625% | 5,646 |
| Equity capital to assets | 19.2572% | 265 |
| Core capital (leverage) ratio | 19.7671% | 220 |
| Tier 1 risk-based capital ratio | 43.5428% | 185 |
| Total risk-based capital ratio | 44.8086% | 184 |
| Memoranda: | ||
| Average total assets | $60,020,670 | 6,023 |
| Average earning assets | $57,128,330 | 5,939 |
| Average equity | $11,761,000 | 4,661 |
| Average total loans | $18,813,670 | 6,609 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7540% | 7,127 |
| Cost of funding earning assets | 0.1420% | 7,204 |
| Net interest margin | 2.6120% | 6,866 |
| Noninterest income to average assets | 0.2362% | 5,943 |
| Noninterest expense to average assets | 2.1664% | 6,122 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4724% | 4,944 |
| Return on assets (ROA) | 0.4724% | 5,142 |
| Pretax return on assets | 0.5534% | 5,263 |
| Return on Equity (ROE) | 2.3896% | 5,947 |
| Retained earnings to average equity (ytd only) | 2.3896% | 5,067 |
| Net charge-offs to loans | -5.1237% | 7,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6526% | 2,246 |
| Assets per employee ($millions) | 4.5970% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8036% | 432 |
| Loan loss allowance to noncurrent loans | 341.7910% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 6,040 |
| Noncurrent loans to loans | 1.1128% | 4,469 |
| Net loans and leases to total assets | 29.0741% | 6,943 |
| Net loans and leases to deposits | 36.2727% | 6,881 |
| Net loans and leases to core deposits | 36.4975% | 6,925 |
| Total domestic deposits to total assets | 80.1543% | 5,822 |
| Equity capital to assets | 19.6416% | 238 |
| Core capital (leverage) ratio | 19.2600% | 232 |
| Tier 1 risk-based capital ratio | 44.5043% | 170 |
| Total risk-based capital ratio | 45.8075% | 166 |
| Memoranda: | ||
| Average total assets | $59,268,500 | 6,087 |
| Average earning assets | $56,354,500 | 5,995 |
| Average equity | $11,717,500 | 4,670 |
| Average total loans | $18,970,500 | 6,657 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2309% | 7,111 |
| Cost of funding earning assets | 0.2040% | 7,234 |
| Net interest margin | 3.0268% | 6,488 |
| Noninterest income to average assets | 0.2453% | 5,783 |
| Noninterest expense to average assets | 2.4065% | 5,756 |
| Loan and lease loss provision to assets | 0.3717% | 2,762 |
| Net operating income to assets | 0.3587% | 5,038 |
| Return on assets (ROA) | 0.3587% | 5,203 |
| Pretax return on assets | 0.3345% | 5,460 |
| Return on Equity (ROE) | 1.6577% | 5,786 |
| Retained earnings to average equity (ytd only) | 0.9706% | 5,405 |
| Net charge-offs to loans | 1.6113% | 979 |
| Credit loss provision to net charge-offs | 61.9195% | 5,122 |
| Earnings coverage of net charge-offs (x) | 1.1765% | 4,907 |
| Efficiency ratio | 77.3134% | 2,695 |
| Assets per employee ($millions) | 4.5212% | 2,873 |
| Cash dividends to net income (ytd only)* | 41.4508% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2335% | 1,735 |
| Loan loss allowance to noncurrent loans | 209.4340% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 6,076 |
| Noncurrent loans to loans | 1.0665% | 4,574 |
| Net loans and leases to total assets | 33.0662% | 6,906 |
| Net loans and leases to deposits | 41.3907% | 6,816 |
| Net loans and leases to core deposits | 41.6515% | 6,897 |
| Total domestic deposits to total assets | 79.8880% | 5,770 |
| Equity capital to assets | 19.9010% | 238 |
| Core capital (leverage) ratio | 19.9480% | 205 |
| Tier 1 risk-based capital ratio | 41.9338% | 204 |
| Total risk-based capital ratio | 43.1873% | 198 |
| Memoranda: | ||
| Average total assets | $53,812,600 | 6,235 |
| Average earning assets | $50,977,200 | 6,159 |
| Average equity | $11,642,800 | 4,626 |
| Average total loans | $20,046,000 | 6,657 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 7,178 |
| Cost of funding earning assets | 0.2193% | 7,308 |
| Net interest margin | 3.0814% | 6,427 |
| Noninterest income to average assets | 0.2663% | 5,713 |
| Noninterest expense to average assets | 2.5133% | 5,421 |
| Loan and lease loss provision to assets | 0.5072% | 1,954 |
| Net operating income to assets | 0.4895% | 4,584 |
| Return on assets (ROA) | 0.4895% | 4,774 |
| Pretax return on assets | 0.1674% | 5,961 |
| Return on Equity (ROE) | 2.2128% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.2128% | 5,018 |
| Net charge-offs to loans | 2.1439% | 574 |
| Credit loss provision to net charge-offs | 61.9195% | 4,749 |
| Earnings coverage of net charge-offs (x) | 0.8235% | 4,995 |
| Efficiency ratio | 78.8385% | 2,424 |
| Assets per employee ($millions) | 4.1626% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1190% | 2,026 |
| Loan loss allowance to noncurrent loans | 195.5947% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 6,033 |
| Noncurrent loans to loans | 1.0834% | 4,745 |
| Net loans and leases to total assets | 37.8996% | 6,773 |
| Net loans and leases to deposits | 48.6814% | 6,591 |
| Net loans and leases to core deposits | 49.0235% | 6,712 |
| Total domestic deposits to total assets | 77.8523% | 6,214 |
| Equity capital to assets | 21.8520% | 174 |
| Core capital (leverage) ratio | 21.7438% | 156 |
| Tier 1 risk-based capital ratio | 42.2078% | 213 |
| Total risk-based capital ratio | 43.4609% | 211 |
| Memoranda: | ||
| Average total assets | $52,571,750 | 6,337 |
| Average earning assets | $49,846,250 | 6,251 |
| Average equity | $11,629,250 | 4,654 |
| Average total loans | $20,087,750 | 6,720 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 7,254 |
| Cost of funding earning assets | 0.2312% | 7,383 |
| Net interest margin | 3.0630% | 6,482 |
| Noninterest income to average assets | 0.2997% | 5,492 |
| Noninterest expense to average assets | 2.5011% | 5,531 |
| Loan and lease loss provision to assets | 0.7684% | 1,208 |
| Net operating income to assets | 0.1229% | 5,955 |
| Return on assets (ROA) | 0.1229% | 6,046 |
| Pretax return on assets | -0.0692% | 6,332 |
| Return on Equity (ROE) | 0.5534% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.5534% | 5,633 |
| Net charge-offs to loans | 3.1213% | 318 |
| Credit loss provision to net charge-offs | 64.7249% | 4,210 |
| Earnings coverage of net charge-offs (x) | 0.5890% | 4,857 |
| Efficiency ratio | 78.1513% | 2,684 |
| Assets per employee ($millions) | 4.0281% | 3,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2883% | 1,770 |
| Loan loss allowance to noncurrent loans | 209.1324% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 6,101 |
| Noncurrent loans to loans | 1.0942% | 4,841 |
| Net loans and leases to total assets | 37.3475% | 6,894 |
| Net loans and leases to deposits | 48.1783% | 6,715 |
| Net loans and leases to core deposits | 48.5285% | 6,832 |
| Total domestic deposits to total assets | 77.5193% | 6,367 |
| Equity capital to assets | 22.1999% | 173 |
| Core capital (leverage) ratio | 21.7640% | 166 |
| Tier 1 risk-based capital ratio | 43.5593% | 198 |
| Total risk-based capital ratio | 44.8137% | 195 |
| Memoranda: | ||
| Average total assets | $52,057,670 | 6,409 |
| Average earning assets | $49,298,670 | 6,326 |
| Average equity | $11,564,000 | 4,671 |
| Average total loans | $19,799,330 | 6,803 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2482% | 7,324 |
| Cost of funding earning assets | 0.2436% | 7,448 |
| Net interest margin | 3.0046% | 6,562 |
| Noninterest income to average assets | 0.3391% | 5,194 |
| Noninterest expense to average assets | 2.5894% | 5,268 |
| Loan and lease loss provision to assets | 0.7707% | 1,110 |
| Net operating income to assets | 0.0077% | 6,333 |
| Return on assets (ROA) | 0.0077% | 6,367 |
| Pretax return on assets | -0.1695% | 6,515 |
| Return on Equity (ROE) | 0.0347% | 6,376 |
| Retained earnings to average equity (ytd only) | 0.0347% | 5,777 |
| Net charge-offs to loans | 6.2768% | 102 |
| Credit loss provision to net charge-offs | 32.3625% | 4,076 |
| Earnings coverage of net charge-offs (x) | 0.2524% | 4,421 |
| Efficiency ratio | 81.1594% | 2,345 |
| Assets per employee ($millions) | 4.4974% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 2,746 |
| Loan loss allowance to noncurrent loans | 139.8438% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 6,040 |
| Noncurrent loans to loans | 1.3477% | 4,462 |
| Net loans and leases to total assets | 34.5328% | 7,071 |
| Net loans and leases to deposits | 44.0216% | 6,955 |
| Net loans and leases to core deposits | 44.3274% | 7,031 |
| Total domestic deposits to total assets | 78.4450% | 6,308 |
| Equity capital to assets | 21.3660% | 189 |
| Core capital (leverage) ratio | 21.1040% | 184 |
| Tier 1 risk-based capital ratio | 43.9477% | 187 |
| Total risk-based capital ratio | 45.1977% | 184 |
| Memoranda: | ||
| Average total assets | $51,904,000 | 6,458 |
| Average earning assets | $49,258,000 | 6,367 |
| Average equity | $11,533,500 | 4,657 |
| Average total loans | $19,691,500 | 6,858 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 7,275 |
| Cost of funding earning assets | 0.3847% | 7,439 |
| Net interest margin | 3.3756% | 5,716 |
| Noninterest income to average assets | 0.2460% | 6,034 |
| Noninterest expense to average assets | 2.6285% | 5,304 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6992% | 3,230 |
| Return on assets (ROA) | 0.6992% | 3,358 |
| Pretax return on assets | 0.8017% | 3,628 |
| Return on Equity (ROE) | 2.9686% | 4,973 |
| Retained earnings to average equity (ytd only) | 2.1851% | 4,365 |
| Net charge-offs to loans | -0.0100% | 7,312 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6288% | 2,945 |
| Assets per employee ($millions) | 3.8338% | 4,165 |
| Cash dividends to net income (ytd only)* | 26.3930% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7810% | 1,077 |
| Loan loss allowance to noncurrent loans | 93.4102% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.2179% | 4,589 |
| Noncurrent loans to loans | 2.9772% | 2,568 |
| Net loans and leases to total assets | 39.7701% | 6,977 |
| Net loans and leases to deposits | 51.9146% | 6,751 |
| Net loans and leases to core deposits | 52.3133% | 6,892 |
| Total domestic deposits to total assets | 76.6067% | 6,548 |
| Equity capital to assets | 23.1465% | 158 |
| Core capital (leverage) ratio | 22.0034% | 168 |
| Tier 1 risk-based capital ratio | 43.6631% | 184 |
| Total risk-based capital ratio | 44.9240% | 183 |
| Memoranda: | ||
| Average total assets | $48,773,200 | 6,581 |
| Average earning assets | $46,006,400 | 6,513 |
| Average equity | $11,486,800 | 4,736 |
| Average total loans | $19,958,400 | 6,926 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 7,365 |
| Cost of funding earning assets | 0.4143% | 7,555 |
| Net interest margin | 3.4544% | 5,474 |
| Noninterest income to average assets | 0.2446% | 6,144 |
| Noninterest expense to average assets | 2.7020% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7037% | 3,398 |
| Return on assets (ROA) | 0.7037% | 3,552 |
| Pretax return on assets | 0.7971% | 3,917 |
| Return on Equity (ROE) | 2.9746% | 5,233 |
| Retained earnings to average equity (ytd only) | 2.9746% | 4,354 |
| Net charge-offs to loans | -0.0202% | 7,356 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2192% | 2,737 |
| Assets per employee ($millions) | 3.8861% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8681% | 937 |
| Loan loss allowance to noncurrent loans | 90.8800% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 4,678 |
| Noncurrent loans to loans | 3.1559% | 2,518 |
| Net loans and leases to total assets | 38.0768% | 7,181 |
| Net loans and leases to deposits | 49.7286% | 7,014 |
| Net loans and leases to core deposits | 50.1042% | 7,119 |
| Total domestic deposits to total assets | 76.5692% | 6,555 |
| Equity capital to assets | 22.9478% | 171 |
| Core capital (leverage) ratio | 23.1507% | 150 |
| Tier 1 risk-based capital ratio | 44.1803% | 189 |
| Total risk-based capital ratio | 45.4402% | 189 |
| Memoranda: | ||
| Average total assets | $48,506,750 | 6,672 |
| Average earning assets | $45,698,500 | 6,601 |
| Average equity | $11,474,500 | 4,815 |
| Average total loans | $19,851,000 | 7,022 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 7,365 |
| Cost of funding earning assets | 0.4396% | 7,622 |
| Net interest margin | 3.5569% | 5,019 |
| Noninterest income to average assets | 0.2592% | 6,064 |
| Noninterest expense to average assets | 2.7051% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8027% | 2,960 |
| Return on assets (ROA) | 0.8027% | 3,099 |
| Pretax return on assets | 0.9031% | 3,479 |
| Return on Equity (ROE) | 3.3581% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.3581% | 3,972 |
| Net charge-offs to loans | -0.1107% | 7,567 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9710% | 3,271 |
| Assets per employee ($millions) | 3.6735% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8690% | 941 |
| Loan loss allowance to noncurrent loans | 114.7705% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0491% | 5,045 |
| Noncurrent loans to loans | 2.4998% | 3,154 |
| Net loans and leases to total assets | 40.7643% | 7,115 |
| Net loans and leases to deposits | 54.0165% | 6,860 |
| Net loans and leases to core deposits | 54.4531% | 7,016 |
| Total domestic deposits to total assets | 75.4664% | 6,783 |
| Equity capital to assets | 24.0980% | 149 |
| Core capital (leverage) ratio | 23.7044% | 142 |
| Tier 1 risk-based capital ratio | 44.5099% | 187 |
| Total risk-based capital ratio | 45.7707% | 187 |
| Memoranda: | ||
| Average total assets | $47,836,000 | 6,733 |
| Average earning assets | $45,039,000 | 6,663 |
| Average equity | $11,435,000 | 4,820 |
| Average total loans | $19,866,670 | 7,075 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 7,429 |
| Cost of funding earning assets | 0.4435% | 7,742 |
| Net interest margin | 3.5923% | 4,766 |
| Noninterest income to average assets | 0.2924% | 5,805 |
| Noninterest expense to average assets | 2.6652% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8355% | 2,814 |
| Return on assets (ROA) | 0.8355% | 2,912 |
| Pretax return on assets | 1.0109% | 3,051 |
| Return on Equity (ROE) | 3.5092% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.5092% | 4,040 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5000% | 3,840 |
| Assets per employee ($millions) | 3.7197% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8072% | 979 |
| Loan loss allowance to noncurrent loans | 236.4017% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 6,249 |
| Noncurrent loans to loans | 1.1875% | 4,989 |
| Net loans and leases to total assets | 40.4541% | 7,224 |
| Net loans and leases to deposits | 53.2792% | 6,966 |
| Net loans and leases to core deposits | 54.0715% | 7,098 |
| Total domestic deposits to total assets | 75.9285% | 6,770 |
| Equity capital to assets | 23.6393% | 171 |
| Core capital (leverage) ratio | 23.4333% | 161 |
| Tier 1 risk-based capital ratio | 43.7715% | 203 |
| Total risk-based capital ratio | 45.0331% | 201 |
| Memoranda: | ||
| Average total assets | $47,876,500 | 6,813 |
| Average earning assets | $45,096,000 | 6,739 |
| Average equity | $11,398,500 | 4,871 |
| Average total loans | $19,779,000 | 7,164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 7,484 |
| Cost of funding earning assets | 0.5385% | 7,811 |
| Net interest margin | 3.8522% | 3,475 |
| Noninterest income to average assets | 0.1953% | 6,701 |
| Noninterest expense to average assets | 2.6589% | 5,562 |
| Loan and lease loss provision to assets | 0.8584% | 2,592 |
| Net operating income to assets | 0.3820% | 4,198 |
| Return on assets (ROA) | 0.3820% | 4,301 |
| Pretax return on assets | 0.2854% | 4,804 |
| Return on Equity (ROE) | 1.5828% | 5,059 |
| Retained earnings to average equity (ytd only) | 0.6936% | 4,521 |
| Net charge-offs to loans | 0.3195% | 4,650 |
| Credit loss provision to net charge-offs | 655.7377% | 445 |
| Earnings coverage of net charge-offs (x) | 8.7377% | 1,905 |
| Efficiency ratio | 69.9210% | 4,647 |
| Assets per employee ($millions) | 3.9498% | 3,919 |
| Cash dividends to net income (ytd only)* | 56.1798% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9077% | 837 |
| Loan loss allowance to noncurrent loans | 206.2044% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 6,016 |
| Noncurrent loans to loans | 1.4101% | 4,567 |
| Net loans and leases to total assets | 39.8042% | 7,359 |
| Net loans and leases to deposits | 52.6351% | 7,125 |
| Net loans and leases to core deposits | 56.8647% | 7,375 |
| Total domestic deposits to total assets | 75.6229% | 6,753 |
| Equity capital to assets | 23.9804% | 186 |
| Core capital (leverage) ratio | 24.0678% | 172 |
| Tier 1 risk-based capital ratio | 44.5429% | 193 |
| Total risk-based capital ratio | 45.8063% | 193 |
| Memoranda: | ||
| Average total assets | $46,598,200 | 6,843 |
| Average earning assets | $43,637,000 | 6,777 |
| Average equity | $11,245,600 | 4,961 |
| Average total loans | $19,092,600 | 7,252 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 7,580 |
| Cost of funding earning assets | 0.5589% | 7,907 |
| Net interest margin | 3.8723% | 3,336 |
| Noninterest income to average assets | 0.1667% | 7,018 |
| Noninterest expense to average assets | 2.7328% | 5,177 |
| Loan and lease loss provision to assets | 1.1494% | 1,692 |
| Net operating income to assets | -0.0690% | 5,843 |
| Return on assets (ROA) | -0.0690% | 5,884 |
| Pretax return on assets | -0.0920% | 5,836 |
| Return on Equity (ROE) | -0.2853% | 5,823 |
| Retained earnings to average equity (ytd only) | -0.2853% | 5,282 |
| Net charge-offs to loans | 0.5541% | 3,022 |
| Credit loss provision to net charge-offs | 506.3291% | 774 |
| Earnings coverage of net charge-offs (x) | 4.6582% | 3,051 |
| Efficiency ratio | 72.1001% | 4,225 |
| Assets per employee ($millions) | 3.8016% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8715% | 743 |
| Loan loss allowance to noncurrent loans | 298.9071% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 6,450 |
| Noncurrent loans to loans | 0.9607% | 5,376 |
| Net loans and leases to total assets | 40.5577% | 7,438 |
| Net loans and leases to deposits | 54.6233% | 7,165 |
| Net loans and leases to core deposits | 59.0892% | 7,431 |
| Total domestic deposits to total assets | 74.2498% | 6,906 |
| Equity capital to assets | 24.7748% | 178 |
| Core capital (leverage) ratio | 24.5264% | 179 |
| Tier 1 risk-based capital ratio | 45.7217% | 201 |
| Total risk-based capital ratio | 46.9852% | 201 |
| Memoranda: | ||
| Average total assets | $46,398,500 | 6,903 |
| Average earning assets | $43,418,000 | 6,843 |
| Average equity | $11,215,500 | 5,010 |
| Average total loans | $19,008,000 | 7,320 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 7,725 |
| Cost of funding earning assets | 0.5733% | 8,005 |
| Net interest margin | 3.8064% | 3,531 |
| Noninterest income to average assets | 0.1543% | 7,163 |
| Noninterest expense to average assets | 2.6533% | 5,546 |
| Loan and lease loss provision to assets | 1.7146% | 977 |
| Net operating income to assets | -0.6301% | 6,687 |
| Return on assets (ROA) | -0.6301% | 6,687 |
| Pretax return on assets | -0.6558% | 6,568 |
| Return on Equity (ROE) | -2.6281% | 6,314 |
| Retained earnings to average equity (ytd only) | -2.6281% | 5,894 |
| Net charge-offs to loans | 0.8424% | 2,005 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 3.0875% | 3,576 |
| Efficiency ratio | 71.4781% | 4,512 |
| Assets per employee ($millions) | 3.5136% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8386% | 657 |
| Loan loss allowance to noncurrent loans | 364.0000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 6,644 |
| Noncurrent loans to loans | 0.7798% | 5,672 |
| Net loans and leases to total assets | 40.9156% | 7,509 |
| Net loans and leases to deposits | 54.8274% | 7,228 |
| Net loans and leases to core deposits | 58.9112% | 7,490 |
| Total domestic deposits to total assets | 74.6262% | 6,839 |
| Equity capital to assets | 24.4740% | 215 |
| Core capital (leverage) ratio | 24.0620% | 225 |
| Tier 1 risk-based capital ratio | 44.8426% | 222 |
| Total risk-based capital ratio | 46.1039% | 224 |
| Memoranda: | ||
| Average total assets | $46,658,330 | 6,953 |
| Average earning assets | $43,610,670 | 6,899 |
| Average equity | $11,186,670 | 5,035 |
| Average total loans | $18,994,330 | 7,394 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 7,861 |
| Cost of funding earning assets | 0.5902% | 8,062 |
| Net interest margin | 3.6866% | 3,954 |
| Noninterest income to average assets | 0.0848% | 7,630 |
| Noninterest expense to average assets | 2.8675% | 4,269 |
| Loan and lease loss provision to assets | 3.3935% | 309 |
| Net operating income to assets | -2.7063% | 7,801 |
| Return on assets (ROA) | -2.7063% | 7,799 |
| Pretax return on assets | -2.7318% | 7,707 |
| Return on Equity (ROE) | -11.4025% | 7,445 |
| Retained earnings to average equity (ytd only) | -11.4025% | 7,232 |
| Net charge-offs to loans | 1.2716% | 1,104 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 1.3000% | 4,087 |
| Efficiency ratio | 81.2500% | 2,648 |
| Assets per employee ($millions) | 3.5792% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9871% | 487 |
| Loan loss allowance to noncurrent loans | 404.2857% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 6,620 |
| Noncurrent loans to loans | 0.7389% | 5,583 |
| Net loans and leases to total assets | 39.5057% | 7,592 |
| Net loans and leases to deposits | 52.3212% | 7,383 |
| Net loans and leases to core deposits | 56.0837% | 7,614 |
| Total domestic deposits to total assets | 75.5061% | 6,602 |
| Equity capital to assets | 23.7374% | 254 |
| Core capital (leverage) ratio | 22.6685% | 292 |
| Tier 1 risk-based capital ratio | 44.2417% | 262 |
| Total risk-based capital ratio | 45.5059% | 259 |
| Memoranda: | ||
| Average total assets | $47,149,000 | 6,980 |
| Average earning assets | $44,051,000 | 6,929 |
| Average equity | $11,190,500 | 5,059 |
| Average total loans | $18,874,000 | 7,447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2161% | 7,671 |
| Cost of funding earning assets | 0.8928% | 8,091 |
| Net interest margin | 4.3232% | 1,907 |
| Noninterest income to average assets | 0.2769% | 6,478 |
| Noninterest expense to average assets | 2.4458% | 6,229 |
| Loan and lease loss provision to assets | 1.4683% | 926 |
| Net operating income to assets | 0.4237% | 5,059 |
| Return on assets (ROA) | 0.4237% | 4,877 |
| Pretax return on assets | 0.4153% | 5,216 |
| Return on Equity (ROE) | 1.7673% | 5,685 |
| Retained earnings to average equity (ytd only) | -0.4200% | 5,415 |
| Net charge-offs to loans | 5.1603% | 95 |
| Credit loss provision to net charge-offs | 67.5024% | 6,116 |
| Earnings coverage of net charge-offs (x) | 0.8660% | 5,709 |
| Efficiency ratio | 56.4922% | 6,941 |
| Assets per employee ($millions) | 3.6745% | 4,227 |
| Cash dividends to net income (ytd only)* | 123.7624% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,517 |
| Loan loss allowance to noncurrent loans | 131.3953% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 6,153 |
| Noncurrent loans to loans | 0.9149% | 4,787 |
| Net loans and leases to total assets | 38.8838% | 7,719 |
| Net loans and leases to deposits | 51.2924% | 7,566 |
| Net loans and leases to core deposits | 54.5909% | 7,786 |
| Total domestic deposits to total assets | 75.8081% | 6,289 |
| Equity capital to assets | 23.7314% | 296 |
| Core capital (leverage) ratio | 22.8500% | 314 |
| Tier 1 risk-based capital ratio | 44.2066% | 271 |
| Total risk-based capital ratio | 45.1040% | 273 |
| Memoranda: | ||
| Average total assets | $47,673,200 | 6,875 |
| Average earning assets | $44,688,800 | 6,831 |
| Average equity | $11,429,800 | 4,989 |
| Average total loans | $20,095,600 | 7,331 |