Home > The First National Bank of Tom Bean > Performance and Condition Ratios
The First National Bank of Tom Bean, Performance and Condition Ratios
| 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 | 7.6457% | 212 |
| Cost of funding earning assets | 2.6085% | 958 |
| Net interest margin | 5.0372% | 318 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 3.9740% | 382 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.8990% | 2,386 |
| Return on assets (ROA) | 0.8990% | 2,389 |
| Pretax return on assets | 1.2216% | 1,943 |
| Return on Equity (ROE) | 8.0900% | 2,739 |
| Retained earnings to average equity (ytd only) | 5.8067% | 1,902 |
| Net charge-offs to loans | 0.1013% | 1,171 |
| Credit loss provision to net charge-offs | 53.2110% | 2,319 |
| Earnings coverage of net charge-offs (x) | 16.3394% | 1,983 |
| Efficiency ratio | 75.7920% | 1,385 |
| Assets per employee ($millions) | 3.5766% | 4,207 |
| Cash dividends to net income (ytd only)* | 28.2334% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 851 |
| Loan loss allowance to noncurrent loans | 873.1579% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 2,170 |
| Noncurrent loans to loans | 0.1797% | 2,783 |
| Net loans and leases to total assets | 72.7300% | 1,585 |
| Net loans and leases to deposits | 82.6857% | 1,894 |
| Net loans and leases to core deposits | 98.8373% | 1,529 |
| Total domestic deposits to total assets | 87.9600% | 1,528 |
| Equity capital to assets | 11.2803% | 1,467 |
| Core capital (leverage) ratio | 11.1346% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1021% | 879 |
| Memoranda: | ||
| Average total assets | $141,041,800 | 3,441 |
| Average earning assets | $130,113,200 | 3,438 |
| Average equity | $15,671,600 | 3,283 |
| Average total loans | $107,575,600 | 3,136 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6231% | 218 |
| Cost of funding earning assets | 2.5952% | 989 |
| Net interest margin | 5.0279% | 323 |
| Noninterest income to average assets | 0.5900% | 1,496 |
| Noninterest expense to average assets | 3.9770% | 373 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.8776% | 2,452 |
| Return on assets (ROA) | 0.8776% | 2,460 |
| Pretax return on assets | 1.1954% | 1,990 |
| Return on Equity (ROE) | 7.9300% | 2,786 |
| Retained earnings to average equity (ytd only) | 5.6315% | 2,232 |
| Net charge-offs to loans | 0.0765% | 1,144 |
| Credit loss provision to net charge-offs | 93.5484% | 1,746 |
| Earnings coverage of net charge-offs (x) | 21.2581% | 1,707 |
| Efficiency ratio | 75.9528% | 1,408 |
| Assets per employee ($millions) | 3.5568% | 4,238 |
| Cash dividends to net income (ytd only)* | 28.9730% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 831 |
| Loan loss allowance to noncurrent loans | 888.5417% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 2,174 |
| Noncurrent loans to loans | 0.1805% | 2,825 |
| Net loans and leases to total assets | 71.7900% | 1,633 |
| Net loans and leases to deposits | 81.1133% | 2,073 |
| Net loans and leases to core deposits | 96.6692% | 1,716 |
| Total domestic deposits to total assets | 88.5000% | 1,084 |
| Equity capital to assets | 10.8924% | 1,785 |
| Core capital (leverage) ratio | 10.9912% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6493% | 981 |
| Memoranda: | ||
| Average total assets | $140,536,250 | 3,449 |
| Average earning assets | $129,621,000 | 3,446 |
| Average equity | $15,555,000 | 3,294 |
| Average total loans | $108,042,250 | 3,133 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6048% | 214 |
| Cost of funding earning assets | 2.5375% | 1,017 |
| Net interest margin | 5.0672% | 310 |
| Noninterest income to average assets | 0.6000% | 1,448 |
| Noninterest expense to average assets | 3.9431% | 383 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.8907% | 2,340 |
| Return on assets (ROA) | 0.8907% | 2,344 |
| Pretax return on assets | 1.2308% | 1,863 |
| Return on Equity (ROE) | 8.0000% | 2,737 |
| Retained earnings to average equity (ytd only) | 5.6846% | 2,132 |
| Net charge-offs to loans | 0.0405% | 1,399 |
| Credit loss provision to net charge-offs | 263.6364% | 868 |
| Earnings coverage of net charge-offs (x) | 41.4545% | 1,233 |
| Efficiency ratio | 74.8904% | 1,562 |
| Assets per employee ($millions) | 3.3622% | 4,279 |
| Cash dividends to net income (ytd only)* | 28.9644% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 798 |
| Loan loss allowance to noncurrent loans | 181.1203% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 842 |
| Noncurrent loans to loans | 0.8994% | 1,048 |
| Net loans and leases to total assets | 74.6700% | 1,346 |
| Net loans and leases to deposits | 84.3139% | 1,814 |
| Net loans and leases to core deposits | 104.4344% | 1,232 |
| Total domestic deposits to total assets | 88.5600% | 1,144 |
| Equity capital to assets | 11.0940% | 1,522 |
| Core capital (leverage) ratio | 11.1178% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5342% | 997 |
| Memoranda: | ||
| Average total assets | $138,772,667 | 3,475 |
| Average earning assets | $127,683,333 | 3,472 |
| Average equity | $15,445,333 | 3,278 |
| Average total loans | $108,593,000 | 3,119 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5457% | 216 |
| Cost of funding earning assets | 2.4420% | 1,097 |
| Net interest margin | 5.1037% | 284 |
| Noninterest income to average assets | 0.6000% | 1,364 |
| Noninterest expense to average assets | 3.8705% | 395 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 0.8869% | 2,267 |
| Return on assets (ROA) | 0.8869% | 2,280 |
| Pretax return on assets | 1.2504% | 1,770 |
| Return on Equity (ROE) | 7.9600% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.6342% | 2,218 |
| Net charge-offs to loans | 0.0952% | 749 |
| Credit loss provision to net charge-offs | 184.6154% | 849 |
| Earnings coverage of net charge-offs (x) | 18.3846% | 1,396 |
| Efficiency ratio | 73.3554% | 1,798 |
| Assets per employee ($millions) | 3.5219% | 4,273 |
| Cash dividends to net income (ytd only)* | 29.1803% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 915 |
| Loan loss allowance to noncurrent loans | 217.4242% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 1,028 |
| Noncurrent loans to loans | 0.7215% | 1,230 |
| Net loans and leases to total assets | 76.7000% | 991 |
| Net loans and leases to deposits | 86.8445% | 1,465 |
| Net loans and leases to core deposits | 106.0904% | 1,102 |
| Total domestic deposits to total assets | 88.3200% | 1,315 |
| Equity capital to assets | 10.9623% | 1,511 |
| Core capital (leverage) ratio | 11.3143% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1165% | 1,071 |
| Memoranda: | ||
| Average total assets | $137,553,000 | 3,494 |
| Average earning assets | $125,634,000 | 3,502 |
| Average equity | $15,335,000 | 3,294 |
| Average total loans | $109,298,000 | 3,123 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7305% | 285 |
| Cost of funding earning assets | 1.7251% | 1,397 |
| Net interest margin | 5.0054% | 310 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.9842% | 372 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 0.6108% | 3,416 |
| Return on assets (ROA) | 0.6108% | 3,401 |
| Pretax return on assets | 0.9104% | 2,936 |
| Return on Equity (ROE) | 5.3700% | 3,655 |
| Retained earnings to average equity (ytd only) | -26.4340% | 4,540 |
| Net charge-offs to loans | 0.1883% | 569 |
| Credit loss provision to net charge-offs | 201.5544% | 1,220 |
| Earnings coverage of net charge-offs (x) | 8.1399% | 2,360 |
| Efficiency ratio | 75.5931% | 1,289 |
| Assets per employee ($millions) | 3.6279% | 4,261 |
| Cash dividends to net income (ytd only)* | 592.5599% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 911 |
| Loan loss allowance to noncurrent loans | 160.0753% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 592 |
| Noncurrent loans to loans | 0.9759% | 759 |
| Net loans and leases to total assets | 79.8000% | 662 |
| Net loans and leases to deposits | 90.7430% | 1,213 |
| Net loans and leases to core deposits | 110.6425% | 935 |
| Total domestic deposits to total assets | 87.9500% | 1,376 |
| Equity capital to assets | 11.3438% | 1,354 |
| Core capital (leverage) ratio | 11.1490% | 1,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0640% | 1,071 |
| Memoranda: | ||
| Average total assets | $129,839,400 | 3,553 |
| Average earning assets | $118,951,600 | 3,557 |
| Average equity | $14,776,400 | 3,286 |
| Average total loans | $102,487,000 | 3,151 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5215% | 299 |
| Cost of funding earning assets | 1.5170% | 1,560 |
| Net interest margin | 5.0045% | 304 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 3.9852% | 364 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 0.5851% | 3,581 |
| Return on assets (ROA) | 0.5851% | 3,567 |
| Pretax return on assets | 0.8772% | 3,153 |
| Return on Equity (ROE) | 5.1400% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.1373% | 2,889 |
| Net charge-offs to loans | 0.1718% | 501 |
| Credit loss provision to net charge-offs | 252.3077% | 979 |
| Earnings coverage of net charge-offs (x) | 9.0385% | 2,177 |
| Efficiency ratio | 75.4529% | 1,226 |
| Assets per employee ($millions) | 3.5228% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 864 |
| Loan loss allowance to noncurrent loans | 220.0514% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 922 |
| Noncurrent loans to loans | 0.7322% | 1,130 |
| Net loans and leases to total assets | 76.0900% | 1,111 |
| Net loans and leases to deposits | 86.0656% | 1,566 |
| Net loans and leases to core deposits | 104.1410% | 1,114 |
| Total domestic deposits to total assets | 88.4100% | 1,442 |
| Equity capital to assets | 10.9170% | 1,379 |
| Core capital (leverage) ratio | 11.2829% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5281% | 1,016 |
| Memoranda: | ||
| Average total assets | $128,741,250 | 3,573 |
| Average earning assets | $117,863,250 | 3,581 |
| Average equity | $14,663,750 | 3,293 |
| Average total loans | $100,903,000 | 3,168 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2364% | 336 |
| Cost of funding earning assets | 1.2748% | 1,778 |
| Net interest margin | 4.9616% | 326 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 3.9298% | 358 |
| Loan and lease loss provision to assets | 0.5200% | 138 |
| Net operating income to assets | 0.4402% | 3,928 |
| Return on assets (ROA) | 0.4402% | 3,935 |
| Pretax return on assets | 0.7056% | 3,592 |
| Return on Equity (ROE) | 3.8100% | 4,050 |
| Retained earnings to average equity (ytd only) | 3.8070% | 3,251 |
| Net charge-offs to loans | 0.3269% | 256 |
| Credit loss provision to net charge-offs | 202.4691% | 1,043 |
| Earnings coverage of net charge-offs (x) | 4.7654% | 2,203 |
| Efficiency ratio | 75.6240% | 1,208 |
| Assets per employee ($millions) | 3.1892% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 998 |
| Loan loss allowance to noncurrent loans | 276.7710% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 1,028 |
| Noncurrent loans to loans | 0.5669% | 1,321 |
| Net loans and leases to total assets | 80.6100% | 571 |
| Net loans and leases to deposits | 91.6252% | 1,049 |
| Net loans and leases to core deposits | 102.8423% | 1,099 |
| Total domestic deposits to total assets | 87.9800% | 1,607 |
| Equity capital to assets | 11.2507% | 1,291 |
| Core capital (leverage) ratio | 11.3653% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3866% | 1,051 |
| Memoranda: | ||
| Average total assets | $125,858,000 | 3,616 |
| Average earning assets | $114,842,667 | 3,621 |
| Average equity | $14,552,000 | 3,309 |
| Average total loans | $99,119,000 | 3,182 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9692% | 321 |
| Cost of funding earning assets | 0.8929% | 2,389 |
| Net interest margin | 5.0763% | 266 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 4.3854% | 292 |
| Loan and lease loss provision to assets | 0.6300% | 111 |
| Net operating income to assets | 0.2496% | 4,310 |
| Return on assets (ROA) | 0.2496% | 4,273 |
| Pretax return on assets | 0.2496% | 4,294 |
| Return on Equity (ROE) | 2.1300% | 4,287 |
| Retained earnings to average equity (ytd only) | 2.1282% | 3,679 |
| Net charge-offs to loans | 0.5340% | 152 |
| Credit loss provision to net charge-offs | 151.9685% | 945 |
| Earnings coverage of net charge-offs (x) | 2.1260% | 1,938 |
| Efficiency ratio | 82.6248% | 666 |
| Assets per employee ($millions) | 3.2367% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 993 |
| Loan loss allowance to noncurrent loans | 365.7407% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 1,221 |
| Noncurrent loans to loans | 0.4403% | 1,619 |
| Net loans and leases to total assets | 76.4800% | 928 |
| Net loans and leases to deposits | 87.2203% | 1,276 |
| Net loans and leases to core deposits | 96.3270% | 1,263 |
| Total domestic deposits to total assets | 87.6800% | 2,032 |
| Equity capital to assets | 11.4956% | 1,154 |
| Core capital (leverage) ratio | 11.9652% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6871% | 1,042 |
| Memoranda: | ||
| Average total assets | $123,409,000 | 3,691 |
| Average earning assets | $112,444,500 | 3,693 |
| Average equity | $14,472,500 | 3,350 |
| Average total loans | $95,137,500 | 3,268 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 254 |
| Cost of funding earning assets | 0.4400% | 1,790 |
| Net interest margin | 4.6665% | 220 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 4.0547% | 323 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.6923% | 3,636 |
| Return on assets (ROA) | 0.6923% | 3,587 |
| Pretax return on assets | 0.6923% | 3,860 |
| Return on Equity (ROE) | 6.3200% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.3181% | 2,528 |
| Net charge-offs to loans | 0.1747% | 479 |
| Credit loss provision to net charge-offs | 198.0769% | 1,134 |
| Earnings coverage of net charge-offs (x) | 7.6603% | 2,297 |
| Efficiency ratio | 78.2268% | 839 |
| Assets per employee ($millions) | 3.0147% | 4,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 896 |
| Loan loss allowance to noncurrent loans | 269.8752% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 914 |
| Noncurrent loans to loans | 0.6087% | 1,228 |
| Net loans and leases to total assets | 75.1700% | 1,112 |
| Net loans and leases to deposits | 85.5777% | 1,349 |
| Net loans and leases to core deposits | 94.2627% | 1,282 |
| Total domestic deposits to total assets | 87.8400% | 2,125 |
| Equity capital to assets | 11.9698% | 946 |
| Core capital (leverage) ratio | 11.9185% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4209% | 906 |
| Memoranda: | ||
| Average total assets | $127,974,200 | 3,651 |
| Average earning assets | $114,776,600 | 3,679 |
| Average equity | $14,023,200 | 3,464 |
| Average total loans | $89,287,000 | 3,298 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 295 |
| Cost of funding earning assets | 0.3861% | 1,390 |
| Net interest margin | 4.3931% | 284 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 3.9222% | 346 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.7384% | 3,453 |
| Return on assets (ROA) | 0.7384% | 3,399 |
| Pretax return on assets | 0.7384% | 3,717 |
| Return on Equity (ROE) | 6.8900% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.8866% | 2,407 |
| Net charge-offs to loans | 0.1671% | 394 |
| Credit loss provision to net charge-offs | 173.8739% | 1,051 |
| Earnings coverage of net charge-offs (x) | 8.2162% | 2,049 |
| Efficiency ratio | 77.9328% | 920 |
| Assets per employee ($millions) | 3.1469% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,051 |
| Loan loss allowance to noncurrent loans | 384.8000% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 1,399 |
| Noncurrent loans to loans | 0.4175% | 1,767 |
| Net loans and leases to total assets | 72.0100% | 1,300 |
| Net loans and leases to deposits | 81.9722% | 1,446 |
| Net loans and leases to core deposits | 89.8202% | 1,305 |
| Total domestic deposits to total assets | 87.8400% | 2,473 |
| Equity capital to assets | 11.6248% | 962 |
| Core capital (leverage) ratio | 11.2047% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7640% | 887 |
| Memoranda: | ||
| Average total assets | $129,821,000 | 3,662 |
| Average earning assets | $116,361,000 | 3,694 |
| Average equity | $13,920,500 | 3,523 |
| Average total loans | $88,569,500 | 3,321 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 306 |
| Cost of funding earning assets | 0.3767% | 1,072 |
| Net interest margin | 4.2228% | 321 |
| Noninterest income to average assets | 1.0425% | 612 |
| Noninterest expense to average assets | 3.8855% | 305 |
| Loan and lease loss provision to assets | 0.1165% | 863 |
| Net operating income to assets | 0.8231% | 2,872 |
| Return on assets (ROA) | 0.8231% | 2,845 |
| Pretax return on assets | 0.8231% | 3,269 |
| Return on Equity (ROE) | 7.8812% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.8812% | 1,665 |
| Net charge-offs to loans | 0.0681% | 750 |
| Credit loss provision to net charge-offs | 256.6667% | 861 |
| Earnings coverage of net charge-offs (x) | 20.7000% | 1,541 |
| Efficiency ratio | 76.5757% | 1,213 |
| Assets per employee ($millions) | 3.5804% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,126 |
| Loan loss allowance to noncurrent loans | 250.5338% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 1,110 |
| Noncurrent loans to loans | 0.6427% | 1,328 |
| Net loans and leases to total assets | 66.7497% | 1,606 |
| Net loans and leases to deposits | 75.3151% | 1,738 |
| Net loans and leases to core deposits | 82.2659% | 1,578 |
| Total domestic deposits to total assets | 88.6272% | 2,324 |
| Equity capital to assets | 10.9329% | 1,241 |
| Core capital (leverage) ratio | 10.7461% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0433% | 984 |
| Memoranda: | ||
| Average total assets | $132,185,000 | 3,678 |
| Average earning assets | $118,406,000 | 3,718 |
| Average equity | $13,805,000 | 3,602 |
| Average total loans | $88,153,333 | 3,352 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2590% | 478 |
| Cost of funding earning assets | 0.3911% | 920 |
| Net interest margin | 3.8679% | 544 |
| Noninterest income to average assets | 0.9026% | 833 |
| Noninterest expense to average assets | 3.4820% | 426 |
| Loan and lease loss provision to assets | 0.2301% | 298 |
| Net operating income to assets | 0.6785% | 3,130 |
| Return on assets (ROA) | 0.6785% | 3,119 |
| Pretax return on assets | 0.6785% | 3,451 |
| Return on Equity (ROE) | 6.6464% | 3,144 |
| Retained earnings to average equity (ytd only) | 6.6464% | 2,012 |
| Net charge-offs to loans | 0.1356% | 416 |
| Credit loss provision to net charge-offs | 256.6667% | 712 |
| Earnings coverage of net charge-offs (x) | 10.1333% | 1,466 |
| Efficiency ratio | 78.3526% | 1,285 |
| Assets per employee ($millions) | 3.7049% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,260 |
| Loan loss allowance to noncurrent loans | 208.5926% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 718 |
| Noncurrent loans to loans | 0.7690% | 1,240 |
| Net loans and leases to total assets | 64.7598% | 1,528 |
| Net loans and leases to deposits | 72.8624% | 1,714 |
| Net loans and leases to core deposits | 79.5326% | 1,516 |
| Total domestic deposits to total assets | 88.8796% | 2,127 |
| Equity capital to assets | 10.3279% | 1,676 |
| Core capital (leverage) ratio | 10.2062% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7619% | 1,091 |
| Memoranda: | ||
| Average total assets | $133,830,000 | 3,683 |
| Average earning assets | $120,685,500 | 3,705 |
| Average equity | $13,661,500 | 3,691 |
| Average total loans | $88,507,500 | 3,349 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 605 |
| Cost of funding earning assets | 0.5351% | 770 |
| Net interest margin | 3.9624% | 767 |
| Noninterest income to average assets | 1.1940% | 742 |
| Noninterest expense to average assets | 4.1014% | 271 |
| Loan and lease loss provision to assets | 0.3163% | 247 |
| Net operating income to assets | 0.3304% | 4,386 |
| Return on assets (ROA) | 0.3304% | 4,405 |
| Pretax return on assets | 0.3304% | 4,461 |
| Return on Equity (ROE) | 3.3247% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.3247% | 3,486 |
| Net charge-offs to loans | 0.6063% | 130 |
| Credit loss provision to net charge-offs | 78.9279% | 1,960 |
| Earnings coverage of net charge-offs (x) | 1.6137% | 2,609 |
| Efficiency ratio | 85.4758% | 492 |
| Assets per employee ($millions) | 3.7301% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 1,467 |
| Loan loss allowance to noncurrent loans | 185.4223% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 738 |
| Noncurrent loans to loans | 0.8226% | 1,240 |
| Net loans and leases to total assets | 65.4374% | 1,540 |
| Net loans and leases to deposits | 73.4550% | 1,774 |
| Net loans and leases to core deposits | 80.2851% | 1,568 |
| Total domestic deposits to total assets | 89.0851% | 1,463 |
| Equity capital to assets | 10.0891% | 2,572 |
| Core capital (leverage) ratio | 10.0021% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9784% | 1,269 |
| Memoranda: | ||
| Average total assets | $135,003,600 | 3,631 |
| Average earning assets | $121,089,000 | 3,676 |
| Average equity | $13,414,800 | 3,795 |
| Average total loans | $89,232,600 | 3,345 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 608 |
| Cost of funding earning assets | 0.5672% | 757 |
| Net interest margin | 3.9902% | 809 |
| Noninterest income to average assets | 1.3394% | 661 |
| Noninterest expense to average assets | 4.1316% | 265 |
| Loan and lease loss provision to assets | 0.1694% | 644 |
| Net operating income to assets | 0.5977% | 4,010 |
| Return on assets (ROA) | 0.5977% | 4,059 |
| Pretax return on assets | 0.5977% | 4,239 |
| Return on Equity (ROE) | 6.0380% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.0380% | 2,802 |
| Net charge-offs to loans | 0.3526% | 220 |
| Credit loss provision to net charge-offs | 72.8814% | 1,745 |
| Earnings coverage of net charge-offs (x) | 3.2966% | 2,317 |
| Efficiency ratio | 83.3904% | 555 |
| Assets per employee ($millions) | 3.0273% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 1,243 |
| Loan loss allowance to noncurrent loans | 148.8397% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 877 |
| Noncurrent loans to loans | 1.1022% | 1,016 |
| Net loans and leases to total assets | 64.9879% | 1,657 |
| Net loans and leases to deposits | 73.3595% | 1,920 |
| Net loans and leases to core deposits | 79.6483% | 1,768 |
| Total domestic deposits to total assets | 88.5882% | 1,520 |
| Equity capital to assets | 10.5307% | 2,432 |
| Core capital (leverage) ratio | 10.4149% | 2,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6731% | 1,199 |
| Memoranda: | ||
| Average total assets | $135,183,500 | 3,665 |
| Average earning assets | $120,591,750 | 3,715 |
| Average equity | $13,381,500 | 3,847 |
| Average total loans | $89,232,500 | 3,390 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 618 |
| Cost of funding earning assets | 0.6130% | 702 |
| Net interest margin | 3.9918% | 837 |
| Noninterest income to average assets | 1.0873% | 944 |
| Noninterest expense to average assets | 4.0656% | 271 |
| Loan and lease loss provision to assets | 0.1315% | 940 |
| Net operating income to assets | 0.4209% | 4,344 |
| Return on assets (ROA) | 0.4209% | 4,389 |
| Pretax return on assets | 0.4209% | 4,483 |
| Return on Equity (ROE) | 4.3397% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.3397% | 3,415 |
| Net charge-offs to loans | 0.5116% | 156 |
| Credit loss provision to net charge-offs | 38.9610% | 1,666 |
| Earnings coverage of net charge-offs (x) | 1.6364% | 2,160 |
| Efficiency ratio | 87.2152% | 426 |
| Assets per employee ($millions) | 3.0347% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,479 |
| Loan loss allowance to noncurrent loans | 164.8949% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4093% | 430 |
| Noncurrent loans to loans | 0.9305% | 1,325 |
| Net loans and leases to total assets | 65.6022% | 1,745 |
| Net loans and leases to deposits | 73.9822% | 2,002 |
| Net loans and leases to core deposits | 80.6639% | 1,828 |
| Total domestic deposits to total assets | 88.6730% | 1,469 |
| Equity capital to assets | 10.2472% | 2,619 |
| Core capital (leverage) ratio | 9.8861% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0621% | 1,325 |
| Memoranda: | ||
| Average total assets | $136,854,000 | 3,664 |
| Average earning assets | $121,047,333 | 3,721 |
| Average equity | $13,272,667 | 3,866 |
| Average total loans | $90,307,667 | 3,392 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 462 |
| Cost of funding earning assets | 0.6695% | 620 |
| Net interest margin | 4.1708% | 636 |
| Noninterest income to average assets | 1.2683% | 783 |
| Noninterest expense to average assets | 4.1219% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7941% | 3,441 |
| Return on assets (ROA) | 0.7941% | 3,510 |
| Pretax return on assets | 0.7941% | 3,824 |
| Return on Equity (ROE) | 8.4096% | 3,213 |
| Retained earnings to average equity (ytd only) | 8.4096% | 2,121 |
| Net charge-offs to loans | 0.5783% | 140 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2.0902% | 1,822 |
| Efficiency ratio | 82.9169% | 652 |
| Assets per employee ($millions) | 3.1845% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,572 |
| Loan loss allowance to noncurrent loans | 206.7797% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 607 |
| Noncurrent loans to loans | 0.7304% | 1,777 |
| Net loans and leases to total assets | 63.9094% | 2,056 |
| Net loans and leases to deposits | 72.1495% | 2,295 |
| Net loans and leases to core deposits | 78.1520% | 2,170 |
| Total domestic deposits to total assets | 88.5791% | 1,565 |
| Equity capital to assets | 9.7581% | 2,939 |
| Core capital (leverage) ratio | 9.7942% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9511% | 1,297 |
| Memoranda: | ||
| Average total assets | $140,034,000 | 3,641 |
| Average earning assets | $122,471,500 | 3,712 |
| Average equity | $13,223,000 | 3,880 |
| Average total loans | $91,991,000 | 3,380 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 234 |
| Cost of funding earning assets | 0.9492% | 717 |
| Net interest margin | 4.4116% | 394 |
| Noninterest income to average assets | 1.5411% | 513 |
| Noninterest expense to average assets | 4.4781% | 258 |
| Loan and lease loss provision to assets | 0.1571% | 2,406 |
| Net operating income to assets | 0.9159% | 2,626 |
| Return on assets (ROA) | 0.9159% | 2,760 |
| Pretax return on assets | 0.9159% | 3,322 |
| Return on Equity (ROE) | 9.5639% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.5639% | 670 |
| Net charge-offs to loans | 0.3227% | 550 |
| Credit loss provision to net charge-offs | 65.6863% | 3,067 |
| Earnings coverage of net charge-offs (x) | 4.4869% | 2,976 |
| Efficiency ratio | 78.7836% | 976 |
| Assets per employee ($millions) | 3.3287% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,426 |
| Loan loss allowance to noncurrent loans | 175.8045% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 570 |
| Noncurrent loans to loans | 0.8820% | 1,603 |
| Net loans and leases to total assets | 65.4291% | 2,164 |
| Net loans and leases to deposits | 74.0584% | 2,476 |
| Net loans and leases to core deposits | 79.9051% | 2,374 |
| Total domestic deposits to total assets | 88.3481% | 1,304 |
| Equity capital to assets | 9.1410% | 3,943 |
| Core capital (leverage) ratio | 9.2642% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0216% | 1,520 |
| Memoranda: | ||
| Average total assets | $127,956,600 | 3,656 |
| Average earning assets | $116,306,000 | 3,678 |
| Average equity | $12,254,400 | 3,951 |
| Average total loans | $94,824,200 | 3,319 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8291% | 138 |
| Cost of funding earning assets | 1.0137% | 725 |
| Net interest margin | 4.8154% | 197 |
| Noninterest income to average assets | 1.4851% | 531 |
| Noninterest expense to average assets | 4.6551% | 226 |
| Loan and lease loss provision to assets | 0.1361% | 2,654 |
| Net operating income to assets | 1.1061% | 1,963 |
| Return on assets (ROA) | 1.1061% | 2,085 |
| Pretax return on assets | 1.1061% | 2,725 |
| Return on Equity (ROE) | 11.3995% | 1,560 |
| Retained earnings to average equity (ytd only) | 11.3995% | 510 |
| Net charge-offs to loans | 0.4222% | 378 |
| Credit loss provision to net charge-offs | 42.3333% | 2,917 |
| Earnings coverage of net charge-offs (x) | 3.8567% | 2,874 |
| Efficiency ratio | 76.5113% | 1,158 |
| Assets per employee ($millions) | 3.1163% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 1,556 |
| Loan loss allowance to noncurrent loans | 76.0541% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.5328% | 550 |
| Noncurrent loans to loans | 1.8995% | 666 |
| Net loans and leases to total assets | 71.6321% | 1,720 |
| Net loans and leases to deposits | 81.7105% | 2,128 |
| Net loans and leases to core deposits | 88.6765% | 2,087 |
| Total domestic deposits to total assets | 87.6657% | 1,363 |
| Equity capital to assets | 9.4343% | 3,738 |
| Core capital (leverage) ratio | 9.7032% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6083% | 1,621 |
| Memoranda: | ||
| Average total assets | $124,162,000 | 3,691 |
| Average earning assets | $113,770,250 | 3,704 |
| Average equity | $12,047,000 | 3,972 |
| Average total loans | $94,748,500 | 3,331 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2970% | 100 |
| Cost of funding earning assets | 1.1169% | 674 |
| Net interest margin | 5.1801% | 144 |
| Noninterest income to average assets | 1.2988% | 603 |
| Noninterest expense to average assets | 4.8377% | 206 |
| Loan and lease loss provision to assets | 0.1853% | 2,171 |
| Net operating income to assets | 1.0026% | 2,319 |
| Return on assets (ROA) | 1.0026% | 2,443 |
| Pretax return on assets | 1.0026% | 3,023 |
| Return on Equity (ROE) | 10.2290% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.2290% | 747 |
| Net charge-offs to loans | 0.3409% | 475 |
| Credit loss provision to net charge-offs | 70.0000% | 2,547 |
| Earnings coverage of net charge-offs (x) | 4.4875% | 2,597 |
| Efficiency ratio | 77.2103% | 1,133 |
| Assets per employee ($millions) | 2.9755% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 1,047 |
| Loan loss allowance to noncurrent loans | 64.7233% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.0094% | 351 |
| Noncurrent loans to loans | 2.4463% | 487 |
| Net loans and leases to total assets | 74.4253% | 1,352 |
| Net loans and leases to deposits | 85.1630% | 1,861 |
| Net loans and leases to core deposits | 92.0831% | 1,895 |
| Total domestic deposits to total assets | 87.3917% | 1,454 |
| Equity capital to assets | 9.5493% | 3,615 |
| Core capital (leverage) ratio | 9.8147% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4156% | 1,658 |
| Memoranda: | ||
| Average total assets | $120,882,667 | 3,713 |
| Average earning assets | $110,306,667 | 3,737 |
| Average equity | $11,848,667 | 4,003 |
| Average total loans | $93,866,667 | 3,337 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3980% | 96 |
| Cost of funding earning assets | 1.3133% | 548 |
| Net interest margin | 5.0847% | 167 |
| Noninterest income to average assets | 1.0771% | 728 |
| Noninterest expense to average assets | 5.1674% | 208 |
| Loan and lease loss provision to assets | 0.1875% | 1,595 |
| Net operating income to assets | 0.3545% | 4,235 |
| Return on assets (ROA) | 0.3545% | 4,265 |
| Pretax return on assets | 0.3545% | 4,375 |
| Return on Equity (ROE) | 3.5665% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.5665% | 2,865 |
| Net charge-offs to loans | 0.6232% | 237 |
| Credit loss provision to net charge-offs | 38.1944% | 2,109 |
| Earnings coverage of net charge-offs (x) | 1.1042% | 2,417 |
| Efficiency ratio | 84.8358% | 778 |
| Assets per employee ($millions) | 2.6670% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 1,071 |
| Loan loss allowance to noncurrent loans | 63.6092% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 2.3753% | 306 |
| Noncurrent loans to loans | 2.5144% | 479 |
| Net loans and leases to total assets | 79.9904% | 698 |
| Net loans and leases to deposits | 89.3944% | 1,584 |
| Net loans and leases to core deposits | 96.8526% | 1,727 |
| Total domestic deposits to total assets | 89.4803% | 480 |
| Equity capital to assets | 10.2163% | 3,589 |
| Core capital (leverage) ratio | 9.5878% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7579% | 1,989 |
| Memoranda: | ||
| Average total assets | $117,350,500 | 3,742 |
| Average earning assets | $106,908,000 | 3,773 |
| Average equity | $11,664,000 | 4,041 |
| Average total loans | $92,421,500 | 3,357 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9670% | 239 |
| Cost of funding earning assets | 1.5306% | 367 |
| Net interest margin | 4.4364% | 828 |
| Noninterest income to average assets | 0.9699% | 1,035 |
| Noninterest expense to average assets | 4.0579% | 499 |
| Loan and lease loss provision to assets | 0.4758% | 273 |
| Net operating income to assets | 0.4924% | 4,419 |
| Return on assets (ROA) | 0.4924% | 4,468 |
| Pretax return on assets | 0.4924% | 4,589 |
| Return on Equity (ROE) | 5.4737% | 4,072 |
| Retained earnings to average equity (ytd only) | 4.5094% | 2,703 |
| Net charge-offs to loans | 0.0219% | 2,977 |
| Credit loss provision to net charge-offs | 2,880.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 58.6000% | 997 |
| Efficiency ratio | 79.7995% | 964 |
| Assets per employee ($millions) | 2.7912% | 4,913 |
| Cash dividends to net income (ytd only)* | 17.6174% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1666% | 348 |
| Loan loss allowance to noncurrent loans | 64.4057% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.8962% | 190 |
| Noncurrent loans to loans | 3.3640% | 250 |
| Net loans and leases to total assets | 75.0194% | 1,582 |
| Net loans and leases to deposits | 83.3108% | 2,410 |
| Net loans and leases to core deposits | 89.0708% | 2,508 |
| Total domestic deposits to total assets | 90.0476% | 309 |
| Equity capital to assets | 9.6750% | 4,201 |
| Core capital (leverage) ratio | 9.0243% | 4,517 |
| Tier 1 risk-based capital ratio | 13.2382% | 3,659 |
| Total risk-based capital ratio | 14.5023% | 3,539 |
| Memoranda: | ||
| Average total assets | $121,047,800 | 3,683 |
| Average earning assets | $110,675,400 | 3,699 |
| Average equity | $10,888,400 | 4,138 |
| Average total loans | $91,335,600 | 3,368 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 285 |
| Cost of funding earning assets | 1.5365% | 371 |
| Net interest margin | 4.3741% | 1,000 |
| Noninterest income to average assets | 0.8112% | 1,388 |
| Noninterest expense to average assets | 3.9624% | 555 |
| Loan and lease loss provision to assets | 0.4375% | 295 |
| Net operating income to assets | 0.4133% | 4,697 |
| Return on assets (ROA) | 0.4133% | 4,721 |
| Pretax return on assets | 0.4133% | 4,794 |
| Return on Equity (ROE) | 4.6820% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.3745% | 3,714 |
| Net charge-offs to loans | 0.0190% | 2,741 |
| Credit loss provision to net charge-offs | 3,061.5385% | 133 |
| Earnings coverage of net charge-offs (x) | 59.5482% | 1,061 |
| Efficiency ratio | 81.4113% | 803 |
| Assets per employee ($millions) | 2.8400% | 4,959 |
| Cash dividends to net income (ytd only)* | 27.9263% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 518 |
| Loan loss allowance to noncurrent loans | 66.4843% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 2.5565% | 260 |
| Noncurrent loans to loans | 2.9245% | 346 |
| Net loans and leases to total assets | 75.2839% | 1,605 |
| Net loans and leases to deposits | 83.3803% | 2,519 |
| Net loans and leases to core deposits | 89.4023% | 2,596 |
| Total domestic deposits to total assets | 90.2898% | 213 |
| Equity capital to assets | 9.3286% | 4,577 |
| Core capital (leverage) ratio | 9.0268% | 4,619 |
| Tier 1 risk-based capital ratio | 12.6492% | 4,063 |
| Total risk-based capital ratio | 13.9101% | 3,923 |
| Memoranda: | ||
| Average total assets | $121,304,500 | 3,712 |
| Average earning assets | $110,985,000 | 3,733 |
| Average equity | $10,707,500 | 4,201 |
| Average total loans | $91,161,250 | 3,414 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8563% | 304 |
| Cost of funding earning assets | 1.5069% | 374 |
| Net interest margin | 4.3494% | 1,044 |
| Noninterest income to average assets | 0.6825% | 1,788 |
| Noninterest expense to average assets | 3.8518% | 629 |
| Loan and lease loss provision to assets | 0.3123% | 431 |
| Net operating income to assets | 0.5056% | 4,517 |
| Return on assets (ROA) | 0.5056% | 4,553 |
| Pretax return on assets | 0.5056% | 4,691 |
| Return on Equity (ROE) | 5.8401% | 4,100 |
| Retained earnings to average equity (ytd only) | 3.8361% | 3,326 |
| Net charge-offs to loans | -0.0022% | 3,971 |
| Credit loss provision to net charge-offs | -18,900.0000% | 4,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4933% | 838 |
| Assets per employee ($millions) | 2.6944% | 5,059 |
| Cash dividends to net income (ytd only)* | 34.3137% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 751 |
| Loan loss allowance to noncurrent loans | 73.1028% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 2.1990% | 384 |
| Noncurrent loans to loans | 2.3940% | 516 |
| Net loans and leases to total assets | 77.0915% | 1,374 |
| Net loans and leases to deposits | 84.9206% | 2,375 |
| Net loans and leases to core deposits | 90.4203% | 2,563 |
| Total domestic deposits to total assets | 90.7806% | 133 |
| Equity capital to assets | 8.8964% | 4,854 |
| Core capital (leverage) ratio | 8.3905% | 5,016 |
| Tier 1 risk-based capital ratio | 11.9355% | 4,458 |
| Total risk-based capital ratio | 13.1939% | 4,334 |
| Memoranda: | ||
| Average total assets | $121,033,000 | 3,744 |
| Average earning assets | $110,957,000 | 3,761 |
| Average equity | $10,479,330 | 4,240 |
| Average total loans | $90,295,330 | 3,452 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7649% | 332 |
| Cost of funding earning assets | 1.4484% | 387 |
| Net interest margin | 4.3166% | 1,066 |
| Noninterest income to average assets | 0.6412% | 1,856 |
| Noninterest expense to average assets | 3.8799% | 610 |
| Loan and lease loss provision to assets | 0.0687% | 2,285 |
| Net operating income to assets | 0.6510% | 4,087 |
| Return on assets (ROA) | 0.6510% | 4,120 |
| Pretax return on assets | 0.6510% | 4,414 |
| Return on Equity (ROE) | 7.6205% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.6205% | 1,800 |
| Net charge-offs to loans | -0.0360% | 4,716 |
| Credit loss provision to net charge-offs | -262.5000% | 3,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2859% | 766 |
| Assets per employee ($millions) | 2.8163% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 949 |
| Loan loss allowance to noncurrent loans | 61.6646% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 2.2846% | 374 |
| Noncurrent loans to loans | 2.6850% | 454 |
| Net loans and leases to total assets | 75.4649% | 1,572 |
| Net loans and leases to deposits | 83.3735% | 2,457 |
| Net loans and leases to core deposits | 89.3722% | 2,568 |
| Total domestic deposits to total assets | 90.5142% | 284 |
| Equity capital to assets | 9.1325% | 4,588 |
| Core capital (leverage) ratio | 8.2140% | 5,135 |
| Tier 1 risk-based capital ratio | 12.4351% | 4,212 |
| Total risk-based capital ratio | 13.6918% | 4,070 |
| Memoranda: | ||
| Average total assets | $122,272,500 | 3,762 |
| Average earning assets | $112,126,500 | 3,783 |
| Average equity | $10,445,500 | 4,266 |
| Average total loans | $88,931,500 | 3,511 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7099% | 274 |
| Cost of funding earning assets | 1.2545% | 268 |
| Net interest margin | 4.4554% | 827 |
| Noninterest income to average assets | 1.4959% | 411 |
| Noninterest expense to average assets | 3.9079% | 596 |
| Loan and lease loss provision to assets | 0.2581% | 660 |
| Net operating income to assets | 1.4246% | 1,347 |
| Return on assets (ROA) | 1.4272% | 1,338 |
| Pretax return on assets | 1.4272% | 2,051 |
| Return on Equity (ROE) | 19.1667% | 302 |
| Retained earnings to average equity (ytd only) | 19.1667% | 39 |
| Net charge-offs to loans | 0.3749% | 507 |
| Credit loss provision to net charge-offs | 88.8889% | 2,734 |
| Earnings coverage of net charge-offs (x) | 5.7953% | 3,152 |
| Efficiency ratio | 69.0661% | 2,372 |
| Assets per employee ($millions) | 3.1530% | 4,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 1,670 |
| Loan loss allowance to noncurrent loans | 38.6986% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.6850% | 265 |
| Noncurrent loans to loans | 3.5985% | 235 |
| Net loans and leases to total assets | 68.0854% | 2,875 |
| Net loans and leases to deposits | 74.4882% | 3,460 |
| Net loans and leases to core deposits | 79.7181% | 3,452 |
| Total domestic deposits to total assets | 91.4042% | 132 |
| Equity capital to assets | 8.1541% | 5,106 |
| Core capital (leverage) ratio | 7.6446% | 5,302 |
| Tier 1 risk-based capital ratio | 11.9699% | 4,443 |
| Total risk-based capital ratio | 13.2229% | 4,336 |
| Memoranda: | ||
| Average total assets | $117,787,000 | 3,823 |
| Average earning assets | $108,251,000 | 3,832 |
| Average equity | $8,770,400 | 4,488 |
| Average total loans | $91,219,200 | 3,460 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7345% | 247 |
| Cost of funding earning assets | 1.1608% | 308 |
| Net interest margin | 4.5737% | 631 |
| Noninterest income to average assets | 1.0674% | 835 |
| Noninterest expense to average assets | 3.9704% | 542 |
| Loan and lease loss provision to assets | 0.3527% | 382 |
| Net operating income to assets | 0.9456% | 3,321 |
| Return on assets (ROA) | 0.9456% | 3,331 |
| Pretax return on assets | 0.9456% | 3,887 |
| Return on Equity (ROE) | 13.0484% | 1,415 |
| Retained earnings to average equity (ytd only) | 13.0484% | 354 |
| Net charge-offs to loans | 0.4856% | 328 |
| Credit loss provision to net charge-offs | 91.0180% | 2,412 |
| Earnings coverage of net charge-offs (x) | 3.3503% | 3,169 |
| Efficiency ratio | 74.6311% | 1,507 |
| Assets per employee ($millions) | 3.2209% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,301 |
| Loan loss allowance to noncurrent loans | 77.2222% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 895 |
| Noncurrent loans to loans | 1.6339% | 966 |
| Net loans and leases to total assets | 75.9862% | 1,664 |
| Net loans and leases to deposits | 81.8118% | 2,840 |
| Net loans and leases to core deposits | 88.7946% | 2,769 |
| Total domestic deposits to total assets | 92.8792% | 42 |
| Equity capital to assets | 6.7335% | 5,413 |
| Core capital (leverage) ratio | 6.7830% | 5,439 |
| Tier 1 risk-based capital ratio | 9.8591% | 5,404 |
| Total risk-based capital ratio | 11.1122% | 5,361 |
| Memoranda: | ||
| Average total assets | $114,915,500 | 3,911 |
| Average earning assets | $105,556,500 | 3,925 |
| Average equity | $8,327,750 | 4,600 |
| Average total loans | $91,709,250 | 3,466 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6211% | 266 |
| Cost of funding earning assets | 1.0626% | 346 |
| Net interest margin | 4.5585% | 612 |
| Noninterest income to average assets | 1.4092% | 476 |
| Noninterest expense to average assets | 4.0571% | 495 |
| Loan and lease loss provision to assets | 0.4280% | 275 |
| Net operating income to assets | 1.1099% | 2,548 |
| Return on assets (ROA) | 1.1099% | 2,551 |
| Pretax return on assets | 1.1099% | 3,270 |
| Return on Equity (ROE) | 14.9050% | 871 |
| Retained earnings to average equity (ytd only) | 14.9050% | 203 |
| Net charge-offs to loans | 0.5872% | 256 |
| Credit loss provision to net charge-offs | 90.0763% | 2,155 |
| Earnings coverage of net charge-offs (x) | 3.2366% | 2,894 |
| Efficiency ratio | 71.7990% | 2,033 |
| Assets per employee ($millions) | 2.9650% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,147 |
| Loan loss allowance to noncurrent loans | 46.4815% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.4949% | 352 |
| Noncurrent loans to loans | 2.8053% | 432 |
| Net loans and leases to total assets | 80.0927% | 1,002 |
| Net loans and leases to deposits | 86.5655% | 2,261 |
| Net loans and leases to core deposits | 96.3407% | 2,031 |
| Total domestic deposits to total assets | 92.5228% | 49 |
| Equity capital to assets | 7.1433% | 5,433 |
| Core capital (leverage) ratio | 7.0855% | 5,478 |
| Tier 1 risk-based capital ratio | 10.0229% | 5,426 |
| Total risk-based capital ratio | 11.2770% | 5,361 |
| Memoranda: | ||
| Average total assets | $110,276,000 | 4,011 |
| Average earning assets | $101,260,670 | 4,028 |
| Average equity | $8,212,000 | 4,659 |
| Average total loans | $89,230,000 | 3,538 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 229 |
| Cost of funding earning assets | 0.9539% | 465 |
| Net interest margin | 4.6624% | 435 |
| Noninterest income to average assets | 1.9112% | 287 |
| Noninterest expense to average assets | 4.5121% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6737% | 721 |
| Return on assets (ROA) | 1.6737% | 727 |
| Pretax return on assets | 1.6737% | 1,181 |
| Return on Equity (ROE) | 21.9748% | 166 |
| Retained earnings to average equity (ytd only) | 21.9748% | 76 |
| Net charge-offs to loans | 0.1400% | 975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 14.8000% | 1,691 |
| Efficiency ratio | 72.2730% | 2,150 |
| Assets per employee ($millions) | 2.8289% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 1,884 |
| Loan loss allowance to noncurrent loans | 67.2581% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.6438% | 812 |
| Noncurrent loans to loans | 2.0642% | 757 |
| Net loans and leases to total assets | 78.5257% | 1,156 |
| Net loans and leases to deposits | 84.8282% | 2,306 |
| Net loans and leases to core deposits | 92.3457% | 2,272 |
| Total domestic deposits to total assets | 92.5703% | 59 |
| Equity capital to assets | 7.3387% | 5,467 |
| Core capital (leverage) ratio | 7.6103% | 5,485 |
| Tier 1 risk-based capital ratio | 10.3371% | 5,405 |
| Total risk-based capital ratio | 11.5923% | 5,325 |
| Memoranda: | ||
| Average total assets | $106,114,000 | 4,122 |
| Average earning assets | $97,288,500 | 4,141 |
| Average equity | $8,082,000 | 4,730 |
| Average total loans | $85,722,500 | 3,633 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 469 |
| Cost of funding earning assets | 0.7307% | 886 |
| Net interest margin | 4.4429% | 694 |
| Noninterest income to average assets | 1.2945% | 633 |
| Noninterest expense to average assets | 4.4748% | 323 |
| Loan and lease loss provision to assets | 1.3869% | 64 |
| Net operating income to assets | -0.4354% | 5,514 |
| Return on assets (ROA) | -0.4354% | 5,513 |
| Pretax return on assets | -0.4354% | 5,539 |
| Return on Equity (ROE) | -5.3444% | 5,542 |
| Retained earnings to average equity (ytd only) | -5.3444% | 5,443 |
| Net charge-offs to loans | 1.3123% | 125 |
| Credit loss provision to net charge-offs | 145.7627% | 1,821 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,939 |
| Efficiency ratio | 80.1664% | 1,086 |
| Assets per employee ($millions) | 2.5404% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,202 |
| Loan loss allowance to noncurrent loans | 87.2616% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.4817% | 929 |
| Noncurrent loans to loans | 1.8048% | 887 |
| Net loans and leases to total assets | 80.8063% | 859 |
| Net loans and leases to deposits | 88.9267% | 1,901 |
| Net loans and leases to core deposits | 97.7175% | 1,883 |
| Total domestic deposits to total assets | 90.8684% | 276 |
| Equity capital to assets | 7.9335% | 5,417 |
| Core capital (leverage) ratio | 7.8612% | 5,483 |
| Tier 1 risk-based capital ratio | 11.3951% | 4,920 |
| Total risk-based capital ratio | 12.6544% | 4,797 |
| Memoranda: | ||
| Average total assets | $93,010,200 | 4,372 |
| Average earning assets | $86,496,600 | 4,355 |
| Average equity | $7,578,000 | 4,846 |
| Average total loans | $67,438,400 | 4,022 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 545 |
| Cost of funding earning assets | 0.7051% | 939 |
| Net interest margin | 4.3552% | 813 |
| Noninterest income to average assets | 1.5869% | 433 |
| Noninterest expense to average assets | 4.3033% | 372 |
| Loan and lease loss provision to assets | 0.5100% | 226 |
| Net operating income to assets | 0.8423% | 3,314 |
| Return on assets (ROA) | 0.8423% | 3,362 |
| Pretax return on assets | 0.8423% | 4,232 |
| Return on Equity (ROE) | 10.2651% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.2651% | 532 |
| Net charge-offs to loans | 0.0042% | 3,585 |
| Credit loss provision to net charge-offs | 17,500.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 463.4082% | 213 |
| Efficiency ratio | 74.5426% | 1,812 |
| Assets per employee ($millions) | 3.0255% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 900 |
| Loan loss allowance to noncurrent loans | 58.2857% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.1691% | 568 |
| Noncurrent loans to loans | 3.0404% | 412 |
| Net loans and leases to total assets | 70.0762% | 2,546 |
| Net loans and leases to deposits | 76.6879% | 3,303 |
| Net loans and leases to core deposits | 84.8805% | 3,055 |
| Total domestic deposits to total assets | 91.3785% | 116 |
| Equity capital to assets | 8.1009% | 5,481 |
| Core capital (leverage) ratio | 7.8701% | 5,552 |
| Tier 1 risk-based capital ratio | 13.0956% | 3,949 |
| Total risk-based capital ratio | 14.3557% | 3,847 |
| Memoranda: | ||
| Average total assets | $91,494,250 | 4,441 |
| Average earning assets | $85,474,000 | 4,412 |
| Average equity | $7,507,500 | 4,909 |
| Average total loans | $63,963,250 | 4,136 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 572 |
| Cost of funding earning assets | 0.6525% | 1,129 |
| Net interest margin | 4.3363% | 789 |
| Noninterest income to average assets | 0.9318% | 1,180 |
| Noninterest expense to average assets | 4.1172% | 458 |
| Loan and lease loss provision to assets | 0.2229% | 784 |
| Net operating income to assets | 0.6509% | 4,078 |
| Return on assets (ROA) | 0.6509% | 4,128 |
| Pretax return on assets | 0.6509% | 4,683 |
| Return on Equity (ROE) | 7.8965% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.8965% | 1,209 |
| Net charge-offs to loans | -0.0064% | 4,402 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5270% | 1,158 |
| Assets per employee ($millions) | 2.9361% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,677 |
| Loan loss allowance to noncurrent loans | 119.8529% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 2,035 |
| Noncurrent loans to loans | 1.2279% | 1,585 |
| Net loans and leases to total assets | 69.6887% | 2,570 |
| Net loans and leases to deposits | 76.3417% | 3,302 |
| Net loans and leases to core deposits | 82.0800% | 3,245 |
| Total domestic deposits to total assets | 91.2852% | 159 |
| Equity capital to assets | 8.0432% | 5,518 |
| Core capital (leverage) ratio | 8.0283% | 5,512 |
| Tier 1 risk-based capital ratio | 13.5253% | 3,691 |
| Total risk-based capital ratio | 14.7820% | 3,599 |
| Memoranda: | ||
| Average total assets | $89,720,330 | 4,498 |
| Average earning assets | $83,988,670 | 4,467 |
| Average equity | $7,395,670 | 4,945 |
| Average total loans | $62,261,330 | 4,196 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 559 |
| Cost of funding earning assets | 0.6026% | 1,353 |
| Net interest margin | 4.3543% | 698 |
| Noninterest income to average assets | 0.7671% | 1,679 |
| Noninterest expense to average assets | 4.1505% | 449 |
| Loan and lease loss provision to assets | 0.2511% | 595 |
| Net operating income to assets | 0.4566% | 4,752 |
| Return on assets (ROA) | 0.4566% | 4,774 |
| Pretax return on assets | 0.4566% | 5,043 |
| Return on Equity (ROE) | 5.4682% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.4682% | 2,621 |
| Net charge-offs to loans | -0.0066% | 4,273 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9549% | 1,164 |
| Assets per employee ($millions) | 3.3317% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,682 |
| Loan loss allowance to noncurrent loans | 345.1852% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 3,272 |
| Noncurrent loans to loans | 0.4354% | 3,535 |
| Net loans and leases to total assets | 67.8980% | 2,700 |
| Net loans and leases to deposits | 74.1421% | 3,387 |
| Net loans and leases to core deposits | 78.7273% | 3,422 |
| Total domestic deposits to total assets | 91.5782% | 167 |
| Equity capital to assets | 8.1872% | 5,426 |
| Core capital (leverage) ratio | 8.3576% | 5,335 |
| Tier 1 risk-based capital ratio | 13.7127% | 3,658 |
| Total risk-based capital ratio | 14.9683% | 3,552 |
| Memoranda: | ||
| Average total assets | $87,603,000 | 4,574 |
| Average earning assets | $82,309,500 | 4,545 |
| Average equity | $7,315,000 | 4,994 |
| Average total loans | $60,165,000 | 4,301 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 1,424 |
| Cost of funding earning assets | 0.5665% | 1,558 |
| Net interest margin | 3.9735% | 1,718 |
| Noninterest income to average assets | 1.4206% | 574 |
| Noninterest expense to average assets | 3.8322% | 754 |
| Loan and lease loss provision to assets | 0.2330% | 928 |
| Net operating income to assets | 1.0830% | 1,969 |
| Return on assets (ROA) | 1.0830% | 2,073 |
| Pretax return on assets | 1.0830% | 3,165 |
| Return on Equity (ROE) | 12.5687% | 1,098 |
| Retained earnings to average equity (ytd only) | 12.5687% | 187 |
| Net charge-offs to loans | 0.1818% | 1,521 |
| Credit loss provision to net charge-offs | 196.8085% | 1,434 |
| Earnings coverage of net charge-offs (x) | 11.1170% | 2,566 |
| Efficiency ratio | 69.7162% | 2,957 |
| Assets per employee ($millions) | 3.4100% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 1,657 |
| Loan loss allowance to noncurrent loans | 267.0732% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 3,732 |
| Noncurrent loans to loans | 0.5624% | 3,154 |
| Net loans and leases to total assets | 67.3826% | 2,872 |
| Net loans and leases to deposits | 73.7158% | 3,545 |
| Net loans and leases to core deposits | 78.3008% | 3,551 |
| Total domestic deposits to total assets | 91.4087% | 180 |
| Equity capital to assets | 8.5221% | 5,255 |
| Core capital (leverage) ratio | 8.4932% | 5,265 |
| Tier 1 risk-based capital ratio | 14.4223% | 3,227 |
| Total risk-based capital ratio | 15.6791% | 3,157 |
| Memoranda: | ||
| Average total assets | $79,405,800 | 4,740 |
| Average earning assets | $74,493,800 | 4,714 |
| Average equity | $6,842,400 | 5,124 |
| Average total loans | $51,694,400 | 4,528 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,589 |
| Cost of funding earning assets | 0.5673% | 1,565 |
| Net interest margin | 3.9181% | 1,914 |
| Noninterest income to average assets | 1.4591% | 565 |
| Noninterest expense to average assets | 3.6161% | 975 |
| Loan and lease loss provision to assets | 0.2309% | 863 |
| Net operating income to assets | 1.2863% | 1,336 |
| Return on assets (ROA) | 1.2863% | 1,440 |
| Pretax return on assets | 1.2863% | 2,484 |
| Return on Equity (ROE) | 14.8831% | 678 |
| Retained earnings to average equity (ytd only) | 14.8831% | 135 |
| Net charge-offs to loans | 0.2505% | 934 |
| Credit loss provision to net charge-offs | 143.6170% | 1,827 |
| Earnings coverage of net charge-offs (x) | 9.4362% | 2,678 |
| Efficiency ratio | 65.6115% | 3,658 |
| Assets per employee ($millions) | 3.2243% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 1,701 |
| Loan loss allowance to noncurrent loans | 222.0430% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 3,578 |
| Noncurrent loans to loans | 0.6839% | 2,982 |
| Net loans and leases to total assets | 66.4582% | 3,048 |
| Net loans and leases to deposits | 73.0165% | 3,699 |
| Net loans and leases to core deposits | 79.4418% | 3,506 |
| Total domestic deposits to total assets | 91.0181% | 194 |
| Equity capital to assets | 8.8789% | 5,261 |
| Core capital (leverage) ratio | 8.6515% | 5,214 |
| Tier 1 risk-based capital ratio | 14.9554% | 3,076 |
| Total risk-based capital ratio | 16.2113% | 2,998 |
| Memoranda: | ||
| Average total assets | $77,945,000 | 4,811 |
| Average earning assets | $73,094,750 | 4,772 |
| Average equity | $6,736,750 | 5,195 |
| Average total loans | $50,038,250 | 4,609 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 1,725 |
| Cost of funding earning assets | 0.5509% | 1,693 |
| Net interest margin | 3.8840% | 2,033 |
| Noninterest income to average assets | 1.0901% | 947 |
| Noninterest expense to average assets | 3.5324% | 1,108 |
| Loan and lease loss provision to assets | 0.1947% | 1,116 |
| Net operating income to assets | 1.0044% | 2,373 |
| Return on assets (ROA) | 1.0044% | 2,508 |
| Pretax return on assets | 1.0044% | 3,565 |
| Return on Equity (ROE) | 11.7332% | 1,406 |
| Retained earnings to average equity (ytd only) | 11.7332% | 365 |
| Net charge-offs to loans | 0.0535% | 2,438 |
| Credit loss provision to net charge-offs | 576.9231% | 588 |
| Earnings coverage of net charge-offs (x) | 35.5385% | 1,249 |
| Efficiency ratio | 71.3659% | 2,767 |
| Assets per employee ($millions) | 3.1186% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 1,372 |
| Loan loss allowance to noncurrent loans | 206.5854% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 2,613 |
| Noncurrent loans to loans | 0.8028% | 2,744 |
| Net loans and leases to total assets | 64.4212% | 3,303 |
| Net loans and leases to deposits | 70.7488% | 3,916 |
| Net loans and leases to core deposits | 76.5979% | 3,772 |
| Total domestic deposits to total assets | 91.0562% | 185 |
| Equity capital to assets | 8.7116% | 5,474 |
| Core capital (leverage) ratio | 8.2295% | 5,586 |
| Tier 1 risk-based capital ratio | 14.7558% | 3,176 |
| Total risk-based capital ratio | 16.0149% | 3,119 |
| Memoranda: | ||
| Average total assets | $77,057,670 | 4,872 |
| Average earning assets | $72,245,670 | 4,837 |
| Average equity | $6,596,670 | 5,270 |
| Average total loans | $48,585,670 | 4,694 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 1,954 |
| Cost of funding earning assets | 0.5011% | 2,096 |
| Net interest margin | 3.8526% | 2,089 |
| Noninterest income to average assets | 0.9190% | 1,270 |
| Noninterest expense to average assets | 3.5507% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9817% | 2,362 |
| Return on assets (ROA) | 0.9817% | 2,478 |
| Pretax return on assets | 0.9817% | 3,546 |
| Return on Equity (ROE) | 11.5710% | 1,434 |
| Retained earnings to average equity (ytd only) | 11.5710% | 564 |
| Net charge-offs to loans | 0.0422% | 2,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 37.6000% | 1,050 |
| Efficiency ratio | 75.5760% | 2,236 |
| Assets per employee ($millions) | 3.2131% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 1,625 |
| Loan loss allowance to noncurrent loans | 206.8966% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 2,881 |
| Noncurrent loans to loans | 0.7699% | 2,915 |
| Net loans and leases to total assets | 59.9853% | 3,774 |
| Net loans and leases to deposits | 65.4305% | 4,306 |
| Net loans and leases to core deposits | 69.6637% | 4,265 |
| Total domestic deposits to total assets | 91.6779% | 140 |
| Equity capital to assets | 8.2076% | 5,740 |
| Core capital (leverage) ratio | 8.6644% | 5,218 |
| Tier 1 risk-based capital ratio | 14.7215% | 3,275 |
| Total risk-based capital ratio | 15.9778% | 3,218 |
| Memoranda: | ||
| Average total assets | $76,604,000 | 4,927 |
| Average earning assets | $71,847,500 | 4,878 |
| Average equity | $6,499,000 | 5,319 |
| Average total loans | $47,342,000 | 4,754 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,591 |
| Cost of funding earning assets | 0.4631% | 2,508 |
| Net interest margin | 4.0386% | 1,595 |
| Noninterest income to average assets | 1.3501% | 662 |
| Noninterest expense to average assets | 3.5943% | 1,136 |
| Loan and lease loss provision to assets | 0.2105% | 994 |
| Net operating income to assets | 1.3051% | 1,259 |
| Return on assets (ROA) | 1.3051% | 1,310 |
| Pretax return on assets | 1.3051% | 2,264 |
| Return on Equity (ROE) | 14.9034% | 699 |
| Retained earnings to average equity (ytd only) | 14.9034% | 135 |
| Net charge-offs to loans | 0.0163% | 3,957 |
| Credit loss provision to net charge-offs | 2,071.4286% | 163 |
| Earnings coverage of net charge-offs (x) | 149.1429% | 425 |
| Efficiency ratio | 66.1932% | 3,875 |
| Assets per employee ($millions) | 2.9152% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 1,317 |
| Loan loss allowance to noncurrent loans | 199.7455% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 2,589 |
| Noncurrent loans to loans | 0.8596% | 2,631 |
| Net loans and leases to total assets | 61.6548% | 3,612 |
| Net loans and leases to deposits | 67.6798% | 4,155 |
| Net loans and leases to core deposits | 72.0951% | 4,127 |
| Total domestic deposits to total assets | 91.0977% | 259 |
| Equity capital to assets | 8.7884% | 5,321 |
| Core capital (leverage) ratio | 8.6009% | 5,332 |
| Tier 1 risk-based capital ratio | 15.3810% | 3,001 |
| Total risk-based capital ratio | 16.6389% | 2,929 |
| Memoranda: | ||
| Average total assets | $68,886,200 | 5,112 |
| Average earning assets | $64,131,200 | 5,082 |
| Average equity | $6,032,200 | 5,433 |
| Average total loans | $42,893,200 | 4,899 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 1,630 |
| Cost of funding earning assets | 0.4493% | 2,694 |
| Net interest margin | 4.0374% | 1,590 |
| Noninterest income to average assets | 1.3316% | 686 |
| Noninterest expense to average assets | 3.3820% | 1,505 |
| Loan and lease loss provision to assets | 0.1375% | 1,624 |
| Net operating income to assets | 1.5712% | 820 |
| Return on assets (ROA) | 1.5712% | 856 |
| Pretax return on assets | 1.5712% | 1,471 |
| Return on Equity (ROE) | 17.9599% | 401 |
| Retained earnings to average equity (ytd only) | 17.9599% | 89 |
| Net charge-offs to loans | 0.0032% | 4,078 |
| Credit loss provision to net charge-offs | 7,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 872.1579% | 86 |
| Efficiency ratio | 62.9630% | 4,407 |
| Assets per employee ($millions) | 2.8259% | 5,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 1,817 |
| Loan loss allowance to noncurrent loans | 195.0954% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 1,969 |
| Noncurrent loans to loans | 0.8156% | 2,929 |
| Net loans and leases to total assets | 62.6835% | 3,506 |
| Net loans and leases to deposits | 68.9632% | 4,095 |
| Net loans and leases to core deposits | 74.4344% | 3,973 |
| Total domestic deposits to total assets | 90.8942% | 274 |
| Equity capital to assets | 8.9261% | 5,374 |
| Core capital (leverage) ratio | 9.1804% | 4,757 |
| Tier 1 risk-based capital ratio | 15.6930% | 2,957 |
| Total risk-based capital ratio | 16.9494% | 2,888 |
| Memoranda: | ||
| Average total assets | $67,887,750 | 5,198 |
| Average earning assets | $63,207,750 | 5,168 |
| Average equity | $5,939,000 | 5,514 |
| Average total loans | $42,186,750 | 4,985 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 1,569 |
| Cost of funding earning assets | 0.4433% | 2,801 |
| Net interest margin | 4.0475% | 1,503 |
| Noninterest income to average assets | 1.4574% | 599 |
| Noninterest expense to average assets | 3.2224% | 1,916 |
| Loan and lease loss provision to assets | 0.0747% | 2,622 |
| Net operating income to assets | 1.9233% | 421 |
| Return on assets (ROA) | 1.9233% | 441 |
| Pretax return on assets | 1.9233% | 703 |
| Return on Equity (ROE) | 22.1433% | 193 |
| Retained earnings to average equity (ytd only) | 22.1433% | 63 |
| Net charge-offs to loans | 0.0436% | 2,828 |
| Credit loss provision to net charge-offs | 277.7778% | 976 |
| Earnings coverage of net charge-offs (x) | 74.3333% | 747 |
| Efficiency ratio | 60.4691% | 4,920 |
| Assets per employee ($millions) | 2.7739% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 1,910 |
| Loan loss allowance to noncurrent loans | 422.2930% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.9598% | 2,609 |
| Noncurrent loans to loans | 0.3792% | 4,347 |
| Net loans and leases to total assets | 61.1990% | 3,666 |
| Net loans and leases to deposits | 67.5487% | 4,176 |
| Net loans and leases to core deposits | 72.1072% | 4,124 |
| Total domestic deposits to total assets | 90.5998% | 417 |
| Equity capital to assets | 9.2380% | 4,970 |
| Core capital (leverage) ratio | 9.0953% | 4,823 |
| Tier 1 risk-based capital ratio | 16.0474% | 2,831 |
| Total risk-based capital ratio | 17.3027% | 2,786 |
| Memoranda: | ||
| Average total assets | $66,968,000 | 5,279 |
| Average earning assets | $62,260,670 | 5,246 |
| Average equity | $5,816,670 | 5,598 |
| Average total loans | $41,249,000 | 5,060 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 1,704 |
| Cost of funding earning assets | 0.4284% | 2,989 |
| Net interest margin | 3.9898% | 1,592 |
| Noninterest income to average assets | 1.3042% | 677 |
| Noninterest expense to average assets | 3.1564% | 2,104 |
| Loan and lease loss provision to assets | 0.1489% | 1,364 |
| Net operating income to assets | 1.7152% | 572 |
| Return on assets (ROA) | 1.7152% | 601 |
| Pretax return on assets | 1.7152% | 1,021 |
| Return on Equity (ROE) | 20.3894% | 254 |
| Retained earnings to average equity (ytd only) | 20.3894% | 98 |
| Net charge-offs to loans | 0.0097% | 3,013 |
| Credit loss provision to net charge-offs | 2,500.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 313.0000% | 177 |
| Efficiency ratio | 61.0913% | 4,951 |
| Assets per employee ($millions) | 2.8467% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 2,028 |
| Loan loss allowance to noncurrent loans | 713.8298% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 2,974 |
| Noncurrent loans to loans | 0.2251% | 4,965 |
| Net loans and leases to total assets | 60.1440% | 3,632 |
| Net loans and leases to deposits | 65.8162% | 4,169 |
| Net loans and leases to core deposits | 69.7913% | 4,175 |
| Total domestic deposits to total assets | 91.3819% | 256 |
| Equity capital to assets | 8.4806% | 5,754 |
| Core capital (leverage) ratio | 8.5048% | 5,513 |
| Tier 1 risk-based capital ratio | 14.7739% | 3,560 |
| Total risk-based capital ratio | 16.0317% | 3,485 |
| Memoranda: | ||
| Average total assets | $67,165,500 | 5,325 |
| Average earning assets | $62,560,000 | 5,291 |
| Average equity | $5,650,000 | 5,689 |
| Average total loans | $41,171,000 | 5,099 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,338 |
| Cost of funding earning assets | 0.4737% | 2,942 |
| Net interest margin | 3.8930% | 2,269 |
| Noninterest income to average assets | 0.6409% | 2,612 |
| Noninterest expense to average assets | 3.2577% | 2,046 |
| Loan and lease loss provision to assets | 0.2915% | 712 |
| Net operating income to assets | 0.6973% | 3,905 |
| Return on assets (ROA) | 0.6973% | 4,025 |
| Pretax return on assets | 0.6973% | 4,640 |
| Return on Equity (ROE) | 8.4508% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.4508% | 849 |
| Net charge-offs to loans | 0.0873% | 3,242 |
| Credit loss provision to net charge-offs | 581.2500% | 459 |
| Earnings coverage of net charge-offs (x) | 19.7188% | 1,763 |
| Efficiency ratio | 76.7159% | 2,410 |
| Assets per employee ($millions) | 2.8700% | 5,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 2,112 |
| Loan loss allowance to noncurrent loans | 743.6782% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 3,053 |
| Noncurrent loans to loans | 0.2144% | 5,051 |
| Net loans and leases to total assets | 60.4954% | 3,718 |
| Net loans and leases to deposits | 66.0694% | 4,320 |
| Net loans and leases to core deposits | 70.1921% | 4,311 |
| Total domestic deposits to total assets | 91.5634% | 215 |
| Equity capital to assets | 8.3412% | 5,870 |
| Core capital (leverage) ratio | 8.3400% | 5,735 |
| Tier 1 risk-based capital ratio | 14.8186% | 3,588 |
| Total risk-based capital ratio | 16.0136% | 3,554 |
| Memoranda: | ||
| Average total assets | $63,817,600 | 5,453 |
| Average earning assets | $59,106,000 | 5,423 |
| Average equity | $5,265,800 | 5,798 |
| Average total loans | $36,663,600 | 5,304 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,481 |
| Cost of funding earning assets | 0.4699% | 3,054 |
| Net interest margin | 3.8642% | 2,375 |
| Noninterest income to average assets | 0.6617% | 2,516 |
| Noninterest expense to average assets | 3.2874% | 1,932 |
| Loan and lease loss provision to assets | 0.2866% | 702 |
| Net operating income to assets | 0.6575% | 4,181 |
| Return on assets (ROA) | 0.6575% | 4,280 |
| Pretax return on assets | 0.6575% | 4,851 |
| Return on Equity (ROE) | 7.9910% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.9910% | 1,365 |
| Net charge-offs to loans | 0.0859% | 2,975 |
| Credit loss provision to net charge-offs | 591.3043% | 502 |
| Earnings coverage of net charge-offs (x) | 19.4757% | 1,779 |
| Efficiency ratio | 77.6892% | 2,232 |
| Assets per employee ($millions) | 2.7990% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,297 |
| Loan loss allowance to noncurrent loans | 808.0000% | 670 |
| Noncurrent assets plus other real estate owned to assets | 1.3033% | 2,374 |
| Noncurrent loans to loans | 0.1982% | 5,311 |
| Net loans and leases to total assets | 57.8321% | 4,098 |
| Net loans and leases to deposits | 63.2443% | 4,613 |
| Net loans and leases to core deposits | 67.2957% | 4,580 |
| Total domestic deposits to total assets | 91.4425% | 247 |
| Equity capital to assets | 8.3463% | 5,909 |
| Core capital (leverage) ratio | 8.5284% | 5,630 |
| Tier 1 risk-based capital ratio | 15.0918% | 3,538 |
| Total risk-based capital ratio | 16.3474% | 3,473 |
| Memoranda: | ||
| Average total assets | $63,269,500 | 5,530 |
| Average earning assets | $58,450,250 | 5,504 |
| Average equity | $5,205,750 | 5,872 |
| Average total loans | $35,684,500 | 5,391 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,683 |
| Cost of funding earning assets | 0.4640% | 3,171 |
| Net interest margin | 3.8117% | 2,527 |
| Noninterest income to average assets | 0.6391% | 2,607 |
| Noninterest expense to average assets | 3.2877% | 1,950 |
| Loan and lease loss provision to assets | 0.3529% | 508 |
| Net operating income to assets | 0.5246% | 4,716 |
| Return on assets (ROA) | 0.5246% | 4,806 |
| Pretax return on assets | 0.5246% | 5,207 |
| Return on Equity (ROE) | 6.4078% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.4078% | 2,085 |
| Net charge-offs to loans | 0.0515% | 3,234 |
| Credit loss provision to net charge-offs | 1,233.3333% | 286 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,240 |
| Efficiency ratio | 78.9313% | 2,178 |
| Assets per employee ($millions) | 2.6371% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 2,525 |
| Loan loss allowance to noncurrent loans | 338.0682% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 2,440 |
| Noncurrent loans to loans | 0.4688% | 4,594 |
| Net loans and leases to total assets | 58.3716% | 3,938 |
| Net loans and leases to deposits | 63.7152% | 4,527 |
| Net loans and leases to core deposits | 67.5344% | 4,504 |
| Total domestic deposits to total assets | 91.6133% | 233 |
| Equity capital to assets | 8.2571% | 5,981 |
| Core capital (leverage) ratio | 8.4191% | 5,724 |
| Tier 1 risk-based capital ratio | 14.8445% | 3,721 |
| Total risk-based capital ratio | 16.0460% | 3,702 |
| Memoranda: | ||
| Average total assets | $62,900,670 | 5,589 |
| Average earning assets | $58,189,000 | 5,554 |
| Average equity | $5,150,000 | 5,922 |
| Average total loans | $34,967,330 | 5,457 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 3,107 |
| Cost of funding earning assets | 0.4759% | 3,168 |
| Net interest margin | 3.6691% | 2,994 |
| Noninterest income to average assets | 0.7208% | 2,078 |
| Noninterest expense to average assets | 3.2342% | 2,114 |
| Loan and lease loss provision to assets | 0.2296% | 965 |
| Net operating income to assets | 0.6507% | 3,950 |
| Return on assets (ROA) | 0.6507% | 4,045 |
| Pretax return on assets | 0.6507% | 4,659 |
| Return on Equity (ROE) | 7.9812% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.9812% | 1,601 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6047% | 2,389 |
| Assets per employee ($millions) | 2.7243% | 6,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,097 |
| Loan loss allowance to noncurrent loans | 285.9459% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 2,528 |
| Noncurrent loans to loans | 0.5285% | 4,587 |
| Net loans and leases to total assets | 55.0241% | 4,278 |
| Net loans and leases to deposits | 60.0686% | 4,754 |
| Net loans and leases to core deposits | 63.5943% | 4,722 |
| Total domestic deposits to total assets | 91.6020% | 352 |
| Equity capital to assets | 8.2400% | 5,878 |
| Core capital (leverage) ratio | 8.3389% | 5,809 |
| Tier 1 risk-based capital ratio | 15.4650% | 3,458 |
| Total risk-based capital ratio | 16.6871% | 3,430 |
| Memoranda: | ||
| Average total assets | $62,705,500 | 5,650 |
| Average earning assets | $57,998,000 | 5,610 |
| Average equity | $5,112,000 | 5,969 |
| Average total loans | $33,681,500 | 5,563 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 3,734 |
| Cost of funding earning assets | 0.5253% | 3,343 |
| Net interest margin | 3.5749% | 3,577 |
| Noninterest income to average assets | 0.5863% | 3,173 |
| Noninterest expense to average assets | 3.4058% | 1,871 |
| Loan and lease loss provision to assets | 0.1508% | 2,394 |
| Net operating income to assets | 0.3015% | 5,516 |
| Return on assets (ROA) | 0.3015% | 5,613 |
| Pretax return on assets | 0.3015% | 5,730 |
| Return on Equity (ROE) | 3.6283% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.6283% | 3,641 |
| Net charge-offs to loans | 0.0909% | 3,935 |
| Credit loss provision to net charge-offs | 333.3333% | 683 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,438 |
| Efficiency ratio | 88.2762% | 1,186 |
| Assets per employee ($millions) | 2.7284% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 3,076 |
| Loan loss allowance to noncurrent loans | 306.2112% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 1.3641% | 2,707 |
| Noncurrent loans to loans | 0.4976% | 4,751 |
| Net loans and leases to total assets | 50.7769% | 4,991 |
| Net loans and leases to deposits | 55.2782% | 5,370 |
| Net loans and leases to core deposits | 58.5036% | 5,348 |
| Total domestic deposits to total assets | 91.8570% | 314 |
| Equity capital to assets | 8.0650% | 5,970 |
| Core capital (leverage) ratio | 8.0857% | 6,068 |
| Tier 1 risk-based capital ratio | 16.0027% | 3,089 |
| Total risk-based capital ratio | 17.2200% | 3,067 |
| Memoranda: | ||
| Average total assets | $59,692,600 | 5,765 |
| Average earning assets | $54,630,800 | 5,742 |
| Average equity | $4,961,000 | 6,075 |
| Average total loans | $29,717,200 | 5,775 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 3,799 |
| Cost of funding earning assets | 0.5281% | 3,485 |
| Net interest margin | 3.5628% | 3,607 |
| Noninterest income to average assets | 0.5566% | 3,414 |
| Noninterest expense to average assets | 3.4188% | 1,779 |
| Loan and lease loss provision to assets | 0.1312% | 2,644 |
| Net operating income to assets | 0.2579% | 5,760 |
| Return on assets (ROA) | 0.2579% | 5,860 |
| Pretax return on assets | 0.2579% | 5,957 |
| Return on Equity (ROE) | 3.0794% | 5,577 |
| Retained earnings to average equity (ytd only) | 3.0794% | 4,478 |
| Net charge-offs to loans | 0.0964% | 3,596 |
| Credit loss provision to net charge-offs | 276.1905% | 923 |
| Earnings coverage of net charge-offs (x) | 8.1904% | 2,665 |
| Efficiency ratio | 89.7802% | 1,013 |
| Assets per employee ($millions) | 2.6755% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,246 |
| Loan loss allowance to noncurrent loans | 279.6407% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 2.0817% | 1,928 |
| Noncurrent loans to loans | 0.5529% | 4,815 |
| Net loans and leases to total assets | 48.3294% | 5,312 |
| Net loans and leases to deposits | 52.7127% | 5,657 |
| Net loans and leases to core deposits | 56.2065% | 5,607 |
| Total domestic deposits to total assets | 91.6845% | 317 |
| Equity capital to assets | 8.1172% | 6,064 |
| Core capital (leverage) ratio | 8.2874% | 5,984 |
| Tier 1 risk-based capital ratio | 16.2434% | 3,065 |
| Total risk-based capital ratio | 17.4596% | 3,041 |
| Memoranda: | ||
| Average total assets | $58,927,500 | 5,847 |
| Average earning assets | $53,776,250 | 5,833 |
| Average equity | $4,936,000 | 6,157 |
| Average total loans | $29,057,250 | 5,862 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 3,687 |
| Cost of funding earning assets | 0.5297% | 3,609 |
| Net interest margin | 3.5831% | 3,437 |
| Noninterest income to average assets | 0.6649% | 2,826 |
| Noninterest expense to average assets | 3.4793% | 1,652 |
| Loan and lease loss provision to assets | 0.1722% | 2,186 |
| Net operating income to assets | 0.2756% | 5,689 |
| Return on assets (ROA) | 0.2756% | 5,824 |
| Pretax return on assets | 0.2756% | 5,941 |
| Return on Equity (ROE) | 3.2545% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.2545% | 4,233 |
| Net charge-offs to loans | 0.1674% | 2,776 |
| Credit loss provision to net charge-offs | 208.3333% | 1,152 |
| Earnings coverage of net charge-offs (x) | 5.4167% | 2,899 |
| Efficiency ratio | 88.5965% | 1,160 |
| Assets per employee ($millions) | 2.5015% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 3,330 |
| Loan loss allowance to noncurrent loans | 149.0196% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 1,858 |
| Noncurrent loans to loans | 1.0448% | 3,849 |
| Net loans and leases to total assets | 50.1121% | 5,101 |
| Net loans and leases to deposits | 54.9307% | 5,442 |
| Net loans and leases to core deposits | 58.4567% | 5,380 |
| Total domestic deposits to total assets | 91.2279% | 469 |
| Equity capital to assets | 8.6226% | 5,644 |
| Core capital (leverage) ratio | 8.6454% | 5,490 |
| Tier 1 risk-based capital ratio | 16.5124% | 2,935 |
| Total risk-based capital ratio | 17.7473% | 2,894 |
| Memoranda: | ||
| Average total assets | $58,058,000 | 5,910 |
| Average earning assets | $52,859,330 | 5,904 |
| Average equity | $4,916,330 | 6,208 |
| Average total loans | $28,674,000 | 5,904 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 3,778 |
| Cost of funding earning assets | 0.5363% | 3,716 |
| Net interest margin | 3.5505% | 3,476 |
| Noninterest income to average assets | 0.6859% | 2,672 |
| Noninterest expense to average assets | 3.4225% | 1,779 |
| Loan and lease loss provision to assets | 0.3086% | 1,105 |
| Net operating income to assets | 0.1783% | 5,957 |
| Return on assets (ROA) | 0.1783% | 6,065 |
| Pretax return on assets | 0.1783% | 6,115 |
| Return on Equity (ROE) | 2.1251% | 5,896 |
| Retained earnings to average equity (ytd only) | 2.1251% | 4,941 |
| Net charge-offs to loans | 0.3525% | 1,587 |
| Credit loss provision to net charge-offs | 180.0000% | 1,182 |
| Earnings coverage of net charge-offs (x) | 2.8400% | 2,924 |
| Efficiency ratio | 87.5439% | 1,370 |
| Assets per employee ($millions) | 2.7115% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,552 |
| Loan loss allowance to noncurrent loans | 143.7700% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 2.3083% | 2,013 |
| Noncurrent loans to loans | 1.0882% | 3,973 |
| Net loans and leases to total assets | 47.4645% | 5,283 |
| Net loans and leases to deposits | 51.7926% | 5,641 |
| Net loans and leases to core deposits | 54.9701% | 5,606 |
| Total domestic deposits to total assets | 91.6433% | 320 |
| Equity capital to assets | 8.2259% | 6,236 |
| Core capital (leverage) ratio | 8.4168% | 5,685 |
| Tier 1 risk-based capital ratio | 16.7979% | 2,859 |
| Total risk-based capital ratio | 18.0166% | 2,842 |
| Memoranda: | ||
| Average total assets | $58,319,500 | 5,956 |
| Average earning assets | $52,950,500 | 5,949 |
| Average equity | $4,894,000 | 6,281 |
| Average total loans | $28,367,000 | 5,962 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 4,059 |
| Cost of funding earning assets | 0.6625% | 3,805 |
| Net interest margin | 3.6775% | 3,754 |
| Noninterest income to average assets | 0.7044% | 2,696 |
| Noninterest expense to average assets | 3.7191% | 1,380 |
| Loan and lease loss provision to assets | -0.0688% | 6,889 |
| Net operating income to assets | 0.3866% | 5,152 |
| Return on assets (ROA) | 0.3866% | 5,388 |
| Pretax return on assets | 0.3866% | 5,605 |
| Return on Equity (ROE) | 4.3328% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.3328% | 3,181 |
| Net charge-offs to loans | 0.1843% | 3,909 |
| Credit loss provision to net charge-offs | -75.5102% | 6,306 |
| Earnings coverage of net charge-offs (x) | 3.4898% | 3,706 |
| Efficiency ratio | 92.1271% | 909 |
| Assets per employee ($millions) | 2.7136% | 6,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,581 |
| Loan loss allowance to noncurrent loans | 136.5079% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 2.4199% | 2,026 |
| Noncurrent loans to loans | 1.1262% | 3,960 |
| Net loans and leases to total assets | 48.3277% | 5,375 |
| Net loans and leases to deposits | 52.9198% | 5,743 |
| Net loans and leases to core deposits | 56.3340% | 5,693 |
| Total domestic deposits to total assets | 91.3224% | 392 |
| Equity capital to assets | 8.5653% | 5,995 |
| Core capital (leverage) ratio | 8.4621% | 5,676 |
| Tier 1 risk-based capital ratio | 16.7026% | 2,789 |
| Total risk-based capital ratio | 17.9037% | 2,788 |
| Memoranda: | ||
| Average total assets | $53,803,600 | 6,095 |
| Average earning assets | $48,756,000 | 6,095 |
| Average equity | $4,800,600 | 6,353 |
| Average total loans | $26,583,600 | 6,108 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 4,176 |
| Cost of funding earning assets | 0.6738% | 3,987 |
| Net interest margin | 3.6937% | 3,826 |
| Noninterest income to average assets | 0.7546% | 2,452 |
| Noninterest expense to average assets | 3.7201% | 1,338 |
| Loan and lease loss provision to assets | -0.1459% | 7,069 |
| Net operating income to assets | 0.5307% | 4,706 |
| Return on assets (ROA) | 0.5307% | 4,976 |
| Pretax return on assets | 0.5307% | 5,376 |
| Return on Equity (ROE) | 5.8849% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.8849% | 2,774 |
| Net charge-offs to loans | 0.0457% | 5,013 |
| Credit loss provision to net charge-offs | -644.4444% | 6,478 |
| Earnings coverage of net charge-offs (x) | 16.9992% | 1,646 |
| Efficiency ratio | 90.6250% | 992 |
| Assets per employee ($millions) | 2.5816% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6259% | 3,428 |
| Loan loss allowance to noncurrent loans | 353.5433% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 2.1199% | 2,525 |
| Noncurrent loans to loans | 0.4599% | 5,528 |
| Net loans and leases to total assets | 47.8308% | 5,567 |
| Net loans and leases to deposits | 52.4521% | 5,946 |
| Net loans and leases to core deposits | 55.0487% | 5,962 |
| Total domestic deposits to total assets | 91.1895% | 364 |
| Equity capital to assets | 8.5992% | 6,172 |
| Core capital (leverage) ratio | 8.8113% | 5,329 |
| Tier 1 risk-based capital ratio | 17.3697% | 2,589 |
| Total risk-based capital ratio | 18.6215% | 2,551 |
| Memoranda: | ||
| Average total assets | $53,008,000 | 6,190 |
| Average earning assets | $48,081,000 | 6,195 |
| Average equity | $4,780,500 | 6,434 |
| Average total loans | $26,237,000 | 6,206 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3938% | 4,207 |
| Cost of funding earning assets | 0.6861% | 4,133 |
| Net interest margin | 3.7077% | 3,782 |
| Noninterest income to average assets | 0.7730% | 2,326 |
| Noninterest expense to average assets | 3.8303% | 1,166 |
| Loan and lease loss provision to assets | -0.2242% | 7,163 |
| Net operating income to assets | 0.5295% | 4,678 |
| Return on assets (ROA) | 0.5295% | 4,956 |
| Pretax return on assets | 0.5295% | 5,369 |
| Return on Equity (ROE) | 5.7733% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.7733% | 2,840 |
| Net charge-offs to loans | 0.0776% | 4,376 |
| Credit loss provision to net charge-offs | -580.0000% | 6,312 |
| Earnings coverage of net charge-offs (x) | 7.9000% | 2,398 |
| Efficiency ratio | 92.6168% | 886 |
| Assets per employee ($millions) | 2.2794% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,467 |
| Loan loss allowance to noncurrent loans | 134.1317% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 2.2736% | 2,462 |
| Noncurrent loans to loans | 1.2215% | 4,104 |
| Net loans and leases to total assets | 51.3018% | 5,185 |
| Net loans and leases to deposits | 56.5850% | 5,590 |
| Net loans and leases to core deposits | 57.9430% | 5,780 |
| Total domestic deposits to total assets | 90.6632% | 585 |
| Equity capital to assets | 9.1747% | 5,490 |
| Core capital (leverage) ratio | 9.1818% | 4,639 |
| Tier 1 risk-based capital ratio | 17.6585% | 2,408 |
| Total risk-based capital ratio | 18.9141% | 2,379 |
| Memoranda: | ||
| Average total assets | $51,745,330 | 6,267 |
| Average earning assets | $46,929,670 | 6,264 |
| Average equity | $4,746,000 | 6,465 |
| Average total loans | $25,777,670 | 6,274 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 4,915 |
| Cost of funding earning assets | 0.6931% | 4,338 |
| Net interest margin | 3.5596% | 4,445 |
| Noninterest income to average assets | 0.7859% | 2,231 |
| Noninterest expense to average assets | 3.8362% | 1,157 |
| Loan and lease loss provision to assets | -0.4513% | 7,252 |
| Net operating income to assets | 0.6381% | 4,180 |
| Return on assets (ROA) | 0.6381% | 4,393 |
| Pretax return on assets | 0.6381% | 4,979 |
| Return on Equity (ROE) | 6.9580% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.9580% | 2,457 |
| Net charge-offs to loans | 0.0640% | 3,854 |
| Credit loss provision to net charge-offs | -1,450.0000% | 5,984 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,264 |
| Efficiency ratio | 95.3578% | 752 |
| Assets per employee ($millions) | 2.5171% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 3,000 |
| Loan loss allowance to noncurrent loans | 130.4598% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 2,553 |
| Noncurrent loans to loans | 1.3784% | 4,049 |
| Net loans and leases to total assets | 46.9021% | 5,688 |
| Net loans and leases to deposits | 51.6371% | 6,010 |
| Net loans and leases to core deposits | 52.5232% | 6,164 |
| Total domestic deposits to total assets | 90.8303% | 626 |
| Equity capital to assets | 8.9956% | 5,500 |
| Core capital (leverage) ratio | 9.3983% | 4,196 |
| Tier 1 risk-based capital ratio | 18.0592% | 2,265 |
| Total risk-based capital ratio | 19.3164% | 2,237 |
| Memoranda: | ||
| Average total assets | $51,404,500 | 6,326 |
| Average earning assets | $46,746,500 | 6,304 |
| Average equity | $4,714,000 | 6,509 |
| Average total loans | $24,994,500 | 6,373 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 4,059 |
| Cost of funding earning assets | 0.7492% | 5,215 |
| Net interest margin | 3.9951% | 2,908 |
| Noninterest income to average assets | 0.7277% | 2,461 |
| Noninterest expense to average assets | 4.2330% | 779 |
| Loan and lease loss provision to assets | -0.8610% | 7,346 |
| Net operating income to assets | 0.9681% | 2,329 |
| Return on assets (ROA) | 0.9681% | 2,460 |
| Pretax return on assets | 0.9681% | 3,354 |
| Return on Equity (ROE) | 9.5879% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.5879% | 652 |
| Net charge-offs to loans | -2.3276% | 7,312 |
| Credit loss provision to net charge-offs | 72.0293% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5327% | 749 |
| Assets per employee ($millions) | 2.3786% | 6,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0854% | 2,051 |
| Loan loss allowance to noncurrent loans | 64.9057% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 2,513 |
| Noncurrent loans to loans | 3.2130% | 2,012 |
| Net loans and leases to total assets | 48.5025% | 5,779 |
| Net loans and leases to deposits | 53.5830% | 6,108 |
| Net loans and leases to core deposits | 54.9104% | 6,234 |
| Total domestic deposits to total assets | 90.5185% | 709 |
| Equity capital to assets | 9.3554% | 5,083 |
| Core capital (leverage) ratio | 9.4737% | 4,072 |
| Tier 1 risk-based capital ratio | 18.3810% | 2,083 |
| Total risk-based capital ratio | 19.6397% | 2,042 |
| Memoranda: | ||
| Average total assets | $45,759,800 | 6,487 |
| Average earning assets | $41,376,000 | 6,481 |
| Average equity | $4,620,400 | 6,552 |
| Average total loans | $23,500,600 | 6,486 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 3,878 |
| Cost of funding earning assets | 0.7605% | 5,399 |
| Net interest margin | 4.0705% | 2,599 |
| Noninterest income to average assets | 0.7037% | 2,582 |
| Noninterest expense to average assets | 4.3387% | 687 |
| Loan and lease loss provision to assets | -1.1719% | 7,430 |
| Net operating income to assets | 1.2077% | 1,633 |
| Return on assets (ROA) | 1.2077% | 1,738 |
| Pretax return on assets | 1.2077% | 2,601 |
| Return on Equity (ROE) | 11.7204% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.7204% | 527 |
| Net charge-offs to loans | -3.1737% | 7,391 |
| Credit loss provision to net charge-offs | 71.1957% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1820% | 687 |
| Assets per employee ($millions) | 2.2594% | 7,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1669% | 1,927 |
| Loan loss allowance to noncurrent loans | 74.8924% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.2909% | 2,796 |
| Noncurrent loans to loans | 2.8933% | 2,414 |
| Net loans and leases to total assets | 49.6712% | 5,748 |
| Net loans and leases to deposits | 55.2112% | 6,105 |
| Net loans and leases to core deposits | 55.9837% | 6,322 |
| Total domestic deposits to total assets | 89.9659% | 886 |
| Equity capital to assets | 9.7686% | 4,670 |
| Core capital (leverage) ratio | 10.1221% | 3,285 |
| Tier 1 risk-based capital ratio | 19.1260% | 1,887 |
| Total risk-based capital ratio | 20.3887% | 1,862 |
| Memoranda: | ||
| Average total assets | $44,712,250 | 6,564 |
| Average earning assets | $40,322,000 | 6,571 |
| Average equity | $4,607,250 | 6,612 |
| Average total loans | $23,190,000 | 6,568 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 3,720 |
| Cost of funding earning assets | 0.7809% | 5,509 |
| Net interest margin | 4.0971% | 2,420 |
| Noninterest income to average assets | 0.6484% | 2,852 |
| Noninterest expense to average assets | 4.2739% | 766 |
| Loan and lease loss provision to assets | -2.4109% | 7,509 |
| Net operating income to assets | 2.4749% | 172 |
| Return on assets (ROA) | 2.4749% | 177 |
| Pretax return on assets | 2.4749% | 258 |
| Return on Equity (ROE) | 23.5755% | 176 |
| Retained earnings to average equity (ytd only) | 23.5755% | 63 |
| Net charge-offs to loans | -4.8143% | 7,466 |
| Credit loss provision to net charge-offs | 95.8258% | 3,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5263% | 773 |
| Assets per employee ($millions) | 2.0584% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6368% | 3,549 |
| Loan loss allowance to noncurrent loans | 85.0220% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.2539% | 4,390 |
| Noncurrent loans to loans | 1.9251% | 3,572 |
| Net loans and leases to total assets | 53.6645% | 5,341 |
| Net loans and leases to deposits | 60.4561% | 5,682 |
| Net loans and leases to core deposits | 61.4246% | 5,952 |
| Total domestic deposits to total assets | 88.7660% | 1,688 |
| Equity capital to assets | 11.0397% | 2,912 |
| Core capital (leverage) ratio | 11.0902% | 2,179 |
| Tier 1 risk-based capital ratio | 20.8121% | 1,455 |
| Total risk-based capital ratio | 21.9416% | 1,450 |
| Memoranda: | ||
| Average total assets | $43,800,330 | 6,653 |
| Average earning assets | $39,443,000 | 6,661 |
| Average equity | $4,598,000 | 6,654 |
| Average total loans | $22,890,000 | 6,644 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 3,478 |
| Cost of funding earning assets | 0.8185% | 5,473 |
| Net interest margin | 4.1025% | 2,254 |
| Noninterest income to average assets | 0.7893% | 2,073 |
| Noninterest expense to average assets | 4.1644% | 851 |
| Loan and lease loss provision to assets | -4.7905% | 7,573 |
| Net operating income to assets | 5.0990% | 51 |
| Return on assets (ROA) | 5.0990% | 52 |
| Pretax return on assets | 5.0990% | 76 |
| Return on Equity (ROE) | 49.8337% | 32 |
| Retained earnings to average equity (ytd only) | 49.8337% | 26 |
| Net charge-offs to loans | -9.7589% | 7,528 |
| Credit loss provision to net charge-offs | 96.0000% | 2,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1034% | 1,089 |
| Assets per employee ($millions) | 2.5369% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 3,220 |
| Loan loss allowance to noncurrent loans | 77.6210% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 4,264 |
| Noncurrent loans to loans | 2.2383% | 3,272 |
| Net loans and leases to total assets | 50.4892% | 5,784 |
| Net loans and leases to deposits | 56.9281% | 6,037 |
| Net loans and leases to core deposits | 58.2282% | 6,235 |
| Total domestic deposits to total assets | 88.6895% | 1,964 |
| Equity capital to assets | 11.1111% | 2,573 |
| Core capital (leverage) ratio | 10.9883% | 2,198 |
| Tier 1 risk-based capital ratio | 21.6470% | 1,294 |
| Total risk-based capital ratio | 22.9028% | 1,267 |
| Memoranda: | ||
| Average total assets | $44,087,500 | 6,691 |
| Average earning assets | $39,585,500 | 6,699 |
| Average equity | $4,511,000 | 6,710 |
| Average total loans | $22,543,500 | 6,711 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 4,185 |
| Cost of funding earning assets | 1.0408% | 5,477 |
| Net interest margin | 4.0396% | 2,840 |
| Noninterest income to average assets | 0.7759% | 2,399 |
| Noninterest expense to average assets | 4.2674% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1293% | 5,504 |
| Return on assets (ROA) | 0.1293% | 5,654 |
| Pretax return on assets | 0.1293% | 5,645 |
| Return on Equity (ROE) | 1.3337% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.3337% | 4,876 |
| Net charge-offs to loans | 0.1377% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 4,405 |
| Efficiency ratio | 97.0588% | 919 |
| Assets per employee ($millions) | 2.6498% | 6,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 3,650 |
| Loan loss allowance to noncurrent loans | 78.7419% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 4,801 |
| Noncurrent loans to loans | 2.0107% | 3,547 |
| Net loans and leases to total assets | 50.0899% | 6,160 |
| Net loans and leases to deposits | 55.3460% | 6,495 |
| Net loans and leases to core deposits | 56.5259% | 6,668 |
| Total domestic deposits to total assets | 90.5033% | 831 |
| Equity capital to assets | 9.3902% | 4,558 |
| Core capital (leverage) ratio | 9.3371% | 3,950 |
| Tier 1 risk-based capital ratio | 18.3849% | 1,883 |
| Total risk-based capital ratio | 19.6410% | 1,839 |
| Memoranda: | ||
| Average total assets | $43,304,800 | 6,758 |
| Average earning assets | $38,815,600 | 6,769 |
| Average equity | $4,199,000 | 6,920 |
| Average total loans | $23,237,000 | 6,766 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 4,115 |
| Cost of funding earning assets | 1.0825% | 5,537 |
| Net interest margin | 4.0592% | 2,814 |
| Noninterest income to average assets | 0.7776% | 2,336 |
| Noninterest expense to average assets | 4.2951% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1213% | 5,717 |
| Return on assets (ROA) | 0.1213% | 5,876 |
| Pretax return on assets | 0.1213% | 5,882 |
| Return on Equity (ROE) | 1.2407% | 5,836 |
| Retained earnings to average equity (ytd only) | 1.2407% | 5,315 |
| Net charge-offs to loans | 0.1830% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 1.2187% | 4,844 |
| Efficiency ratio | 97.2535% | 853 |
| Assets per employee ($millions) | 2.6664% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,653 |
| Loan loss allowance to noncurrent loans | 96.5426% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.4913% | 4,218 |
| Noncurrent loans to loans | 1.6278% | 4,207 |
| Net loans and leases to total assets | 50.1555% | 6,309 |
| Net loans and leases to deposits | 55.4418% | 6,653 |
| Net loans and leases to core deposits | 56.7722% | 6,808 |
| Total domestic deposits to total assets | 90.4653% | 650 |
| Equity capital to assets | 9.2943% | 5,154 |
| Core capital (leverage) ratio | 9.6547% | 3,678 |
| Tier 1 risk-based capital ratio | 17.9269% | 2,045 |
| Total risk-based capital ratio | 19.1822% | 2,008 |
| Memoranda: | ||
| Average total assets | $42,869,250 | 6,856 |
| Average earning assets | $38,430,000 | 6,857 |
| Average equity | $4,191,250 | 7,016 |
| Average total loans | $23,314,500 | 6,849 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2468% | 3,730 |
| Cost of funding earning assets | 1.1068% | 5,636 |
| Net interest margin | 4.1400% | 2,379 |
| Noninterest income to average assets | 0.7705% | 2,280 |
| Noninterest expense to average assets | 4.4329% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0381% | 6,017 |
| Return on assets (ROA) | 0.0381% | 6,115 |
| Pretax return on assets | 0.0381% | 6,089 |
| Return on Equity (ROE) | 0.3824% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.3824% | 5,611 |
| Net charge-offs to loans | 0.0342% | 5,875 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,021 |
| Efficiency ratio | 99.1489% | 834 |
| Assets per employee ($millions) | 2.5123% | 7,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 3,138 |
| Loan loss allowance to noncurrent loans | 87.2768% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.9457% | 3,557 |
| Noncurrent loans to loans | 1.9292% | 3,831 |
| Net loans and leases to total assets | 53.4571% | 6,053 |
| Net loans and leases to deposits | 59.4155% | 6,468 |
| Net loans and leases to core deposits | 60.2894% | 6,697 |
| Total domestic deposits to total assets | 89.9717% | 930 |
| Equity capital to assets | 9.7918% | 4,279 |
| Core capital (leverage) ratio | 9.8928% | 3,288 |
| Tier 1 risk-based capital ratio | 17.9116% | 1,979 |
| Total risk-based capital ratio | 19.1622% | 1,950 |
| Memoranda: | ||
| Average total assets | $42,049,330 | 6,931 |
| Average earning assets | $37,584,670 | 6,944 |
| Average equity | $4,184,000 | 7,047 |
| Average total loans | $23,386,670 | 6,895 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 3,627 |
| Cost of funding earning assets | 1.1105% | 5,849 |
| Net interest margin | 4.1726% | 2,141 |
| Noninterest income to average assets | 0.9684% | 1,394 |
| Noninterest expense to average assets | 4.4679% | 600 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2109% | 5,643 |
| Return on assets (ROA) | 0.2109% | 5,763 |
| Pretax return on assets | 0.2109% | 5,847 |
| Return on Equity (ROE) | 2.1027% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.1027% | 4,872 |
| Net charge-offs to loans | 0.0170% | 5,341 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,103 |
| Efficiency ratio | 95.4918% | 1,055 |
| Assets per employee ($millions) | 2.4883% | 7,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 3,134 |
| Loan loss allowance to noncurrent loans | 107.0652% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 2.0401% | 3,453 |
| Noncurrent loans to loans | 1.5700% | 4,388 |
| Net loans and leases to total assets | 54.4786% | 5,966 |
| Net loans and leases to deposits | 60.5937% | 6,402 |
| Net loans and leases to core deposits | 61.4878% | 6,640 |
| Total domestic deposits to total assets | 89.9080% | 1,036 |
| Equity capital to assets | 9.9194% | 3,961 |
| Core capital (leverage) ratio | 10.2627% | 2,854 |
| Tier 1 risk-based capital ratio | 17.8804% | 1,976 |
| Total risk-based capital ratio | 19.1333% | 1,945 |
| Memoranda: | ||
| Average total assets | $41,719,500 | 7,030 |
| Average earning assets | $37,099,000 | 7,049 |
| Average equity | $4,185,000 | 7,118 |
| Average total loans | $23,469,000 | 6,971 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 3,645 |
| Cost of funding earning assets | 1.4899% | 5,550 |
| Net interest margin | 4.1026% | 2,435 |
| Noninterest income to average assets | 0.7687% | 2,565 |
| Noninterest expense to average assets | 4.4818% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.0614% | 5,604 |
| Return on assets (ROA) | -0.0614% | 5,626 |
| Pretax return on assets | -0.0614% | 5,538 |
| Return on Equity (ROE) | -0.5980% | 5,639 |
| Retained earnings to average equity (ytd only) | -0.5980% | 5,141 |
| Net charge-offs to loans | 0.2372% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -0.4717% | 6,671 |
| Efficiency ratio | 101.3889% | 1,036 |
| Assets per employee ($millions) | 2.7425% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6809% | 2,958 |
| Loan loss allowance to noncurrent loans | 75.2381% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 2.1002% | 3,276 |
| Noncurrent loans to loans | 2.2341% | 3,358 |
| Net loans and leases to total assets | 56.1622% | 5,927 |
| Net loans and leases to deposits | 62.5667% | 6,402 |
| Net loans and leases to core deposits | 91.2985% | 4,975 |
| Total domestic deposits to total assets | 89.7637% | 1,075 |
| Equity capital to assets | 10.1463% | 3,566 |
| Core capital (leverage) ratio | 10.2034% | 2,884 |
| Tier 1 risk-based capital ratio | 18.0271% | 1,885 |
| Total risk-based capital ratio | 19.2839% | 1,845 |
| Memoranda: | ||
| Average total assets | $40,720,600 | 7,063 |
| Average earning assets | $36,245,000 | 7,090 |
| Average equity | $4,180,400 | 7,218 |
| Average total loans | $22,342,000 | 7,071 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 3,925 |
| Cost of funding earning assets | 1.5662% | 5,562 |
| Net interest margin | 4.0242% | 2,708 |
| Noninterest income to average assets | 0.7616% | 2,641 |
| Noninterest expense to average assets | 4.5399% | 713 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1937% | 6,053 |
| Return on assets (ROA) | -0.1937% | 6,064 |
| Pretax return on assets | -0.1937% | 5,970 |
| Return on Equity (ROE) | -1.8809% | 6,081 |
| Retained earnings to average equity (ytd only) | -1.8809% | 5,696 |
| Net charge-offs to loans | 0.1632% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -2.1850% | 6,758 |
| Efficiency ratio | 104.4562% | 901 |
| Assets per employee ($millions) | 2.7271% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8564% | 2,143 |
| Loan loss allowance to noncurrent loans | 114.7139% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 3,777 |
| Noncurrent loans to loans | 1.6183% | 4,212 |
| Net loans and leases to total assets | 54.4101% | 6,333 |
| Net loans and leases to deposits | 60.7368% | 6,770 |
| Net loans and leases to core deposits | 89.2744% | 5,508 |
| Total domestic deposits to total assets | 89.5834% | 929 |
| Equity capital to assets | 10.1208% | 3,940 |
| Core capital (leverage) ratio | 9.8647% | 3,439 |
| Tier 1 risk-based capital ratio | 18.4476% | 1,878 |
| Total risk-based capital ratio | 19.7041% | 1,823 |
| Memoranda: | ||
| Average total assets | $40,616,250 | 7,118 |
| Average earning assets | $36,180,250 | 7,155 |
| Average equity | $4,182,000 | 7,287 |
| Average total loans | $22,052,750 | 7,145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5968% | 4,098 |
| Cost of funding earning assets | 1.6141% | 5,689 |
| Net interest margin | 3.9827% | 2,776 |
| Noninterest income to average assets | 0.7256% | 2,840 |
| Noninterest expense to average assets | 4.4225% | 843 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1530% | 6,108 |
| Return on assets (ROA) | -0.1530% | 6,134 |
| Pretax return on assets | -0.1530% | 6,068 |
| Return on Equity (ROE) | -1.4776% | 6,145 |
| Retained earnings to average equity (ytd only) | -1.4776% | 5,607 |
| Net charge-offs to loans | 0.3388% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.8378% | 6,190 |
| Efficiency ratio | 103.5838% | 1,044 |
| Assets per employee ($millions) | 2.6816% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8341% | 1,958 |
| Loan loss allowance to noncurrent loans | 228.3333% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 4,205 |
| Noncurrent loans to loans | 0.8032% | 5,625 |
| Net loans and leases to total assets | 51.2702% | 6,757 |
| Net loans and leases to deposits | 56.9586% | 7,097 |
| Net loans and leases to core deposits | 83.9074% | 6,094 |
| Total domestic deposits to total assets | 90.0131% | 828 |
| Equity capital to assets | 9.7143% | 4,331 |
| Core capital (leverage) ratio | 10.2232% | 3,068 |
| Tier 1 risk-based capital ratio | 18.0176% | 2,018 |
| Total risk-based capital ratio | 19.2712% | 1,949 |
| Memoranda: | ||
| Average total assets | $40,519,670 | 7,184 |
| Average earning assets | $36,056,330 | 7,223 |
| Average equity | $4,196,000 | 7,341 |
| Average total loans | $21,844,330 | 7,223 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7253% | 3,666 |
| Cost of funding earning assets | 1.7245% | 5,497 |
| Net interest margin | 4.0008% | 2,639 |
| Noninterest income to average assets | 0.7628% | 2,522 |
| Noninterest expense to average assets | 4.0787% | 1,090 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2238% | 5,589 |
| Return on assets (ROA) | 0.2238% | 5,747 |
| Pretax return on assets | 0.2238% | 5,885 |
| Return on Equity (ROE) | 2.0903% | 5,741 |
| Retained earnings to average equity (ytd only) | 2.0903% | 4,704 |
| Net charge-offs to loans | 0.0557% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,361 |
| Efficiency ratio | 94.7991% | 1,390 |
| Assets per employee ($millions) | 2.4568% | 7,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 1,307 |
| Loan loss allowance to noncurrent loans | 139.4984% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4068% | 3,836 |
| Noncurrent loans to loans | 1.4776% | 4,086 |
| Net loans and leases to total assets | 53.7892% | 6,493 |
| Net loans and leases to deposits | 60.3735% | 6,863 |
| Net loans and leases to core deposits | 90.3783% | 5,520 |
| Total domestic deposits to total assets | 89.0941% | 1,190 |
| Equity capital to assets | 10.7380% | 3,249 |
| Core capital (leverage) ratio | 10.5157% | 2,905 |
| Tier 1 risk-based capital ratio | 19.0659% | 1,800 |
| Total risk-based capital ratio | 20.3261% | 1,759 |
| Memoranda: | ||
| Average total assets | $39,326,500 | 7,281 |
| Average earning assets | $34,793,000 | 7,315 |
| Average equity | $4,210,000 | 7,382 |
| Average total loans | $21,562,000 | 7,271 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4364% | 3,244 |
| Cost of funding earning assets | 2.1880% | 5,652 |
| Net interest margin | 4.2484% | 2,120 |
| Noninterest income to average assets | 0.7641% | 2,699 |
| Noninterest expense to average assets | 3.8889% | 1,581 |
| Loan and lease loss provision to assets | 2.3075% | 485 |
| Net operating income to assets | -1.6446% | 7,517 |
| Return on assets (ROA) | -1.6395% | 7,468 |
| Pretax return on assets | -1.6395% | 7,314 |
| Return on Equity (ROE) | -13.7650% | 7,534 |
| Retained earnings to average equity (ytd only) | -13.7650% | 7,389 |
| Net charge-offs to loans | 3.2009% | 266 |
| Credit loss provision to net charge-offs | 137.3494% | 3,874 |
| Earnings coverage of net charge-offs (x) | 0.3946% | 5,997 |
| Efficiency ratio | 85.4364% | 1,908 |
| Assets per employee ($millions) | 2.6229% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 1,103 |
| Loan loss allowance to noncurrent loans | 148.8372% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 4,294 |
| Noncurrent loans to loans | 1.3977% | 3,721 |
| Net loans and leases to total assets | 53.5965% | 6,694 |
| Net loans and leases to deposits | 60.0975% | 7,078 |
| Net loans and leases to core deposits | 87.4761% | 6,026 |
| Total domestic deposits to total assets | 89.1826% | 971 |
| Equity capital to assets | 10.6725% | 3,318 |
| Core capital (leverage) ratio | 10.4611% | 3,011 |
| Tier 1 risk-based capital ratio | 13.6146% | 3,753 |
| Total risk-based capital ratio | 14.8953% | 3,637 |
| Memoranda: | ||
| Average total assets | $39,523,200 | 7,237 |
| Average earning assets | $35,237,200 | 7,274 |
| Average equity | $4,707,600 | 7,250 |
| Average total loans | $20,744,200 | 7,282 |