Home > The Lemont National Bank > Performance and Condition Ratios
The Lemont National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7024% | 4,450 |
| Cost of funding earning assets | 0.9947% | 3,998 |
| Net interest margin | 1.7076% | 4,355 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 2.4772% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.6515% | 4,331 |
| Return on assets (ROA) | -0.6515% | 4,361 |
| Pretax return on assets | -0.8257% | 4,378 |
| Return on Equity (ROE) | -10.5200% | 4,388 |
| Retained earnings to average equity (ytd only) | -10.5167% | 4,264 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 150.0000% | 77 |
| Assets per employee ($millions) | 6.6451% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8075% | 3,846 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.6027% | 361 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 8.3200% | 4,334 |
| Net loans and leases to deposits | 9.4734% | 4,349 |
| Net loans and leases to core deposits | 9.9210% | 4,321 |
| Total domestic deposits to total assets | 87.8000% | 1,622 |
| Equity capital to assets | 6.0702% | 4,241 |
| Core capital (leverage) ratio | 5.8376% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8801% | 520 |
| Memoranda: | ||
| Average total assets | $52,802,500 | 4,197 |
| Average earning assets | $48,254,000 | 4,182 |
| Average equity | $3,271,000 | 4,342 |
| Average total loans | $4,487,500 | 4,342 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8742% | 4,463 |
| Cost of funding earning assets | 1.1753% | 3,843 |
| Net interest margin | 1.6989% | 4,353 |
| Noninterest income to average assets | 0.1000% | 4,209 |
| Noninterest expense to average assets | 2.4912% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.6461% | 4,367 |
| Return on assets (ROA) | -0.6461% | 4,396 |
| Pretax return on assets | -0.8169% | 4,403 |
| Return on Equity (ROE) | -10.7800% | 4,415 |
| Retained earnings to average equity (ytd only) | -10.7788% | 4,396 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 148.7879% | 83 |
| Assets per employee ($millions) | 6.5555% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 3,888 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6742% | 290 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 8.5400% | 4,359 |
| Net loans and leases to deposits | 9.7689% | 4,368 |
| Net loans and leases to core deposits | 10.1744% | 4,344 |
| Total domestic deposits to total assets | 87.4600% | 1,720 |
| Equity capital to assets | 6.3210% | 4,136 |
| Core capital (leverage) ratio | 5.9130% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3422% | 504 |
| Memoranda: | ||
| Average total assets | $59,127,200 | 4,145 |
| Average earning assets | $54,623,400 | 4,126 |
| Average equity | $3,544,000 | 4,329 |
| Average total loans | $4,896,600 | 4,364 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8918% | 4,501 |
| Cost of funding earning assets | 1.2163% | 3,793 |
| Net interest margin | 1.6754% | 4,382 |
| Noninterest income to average assets | 0.1000% | 4,224 |
| Noninterest expense to average assets | 2.3728% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.5702% | 4,395 |
| Return on assets (ROA) | -0.5702% | 4,421 |
| Pretax return on assets | -0.7215% | 4,429 |
| Return on Equity (ROE) | -9.6300% | 4,445 |
| Retained earnings to average equity (ytd only) | -9.6260% | 4,426 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 143.6919% | 90 |
| Assets per employee ($millions) | 5.3605% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 4,060 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 9.2600% | 4,387 |
| Net loans and leases to deposits | 11.2846% | 4,398 |
| Net loans and leases to core deposits | 11.8941% | 4,375 |
| Total domestic deposits to total assets | 82.0600% | 3,093 |
| Equity capital to assets | 6.4173% | 4,256 |
| Core capital (leverage) ratio | 6.0958% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9752% | 474 |
| Memoranda: | ||
| Average total assets | $60,798,000 | 4,143 |
| Average earning assets | $56,342,250 | 4,133 |
| Average equity | $3,601,250 | 4,356 |
| Average total loans | $4,991,500 | 4,395 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9526% | 4,518 |
| Cost of funding earning assets | 1.2396% | 3,729 |
| Net interest margin | 1.7130% | 4,392 |
| Noninterest income to average assets | 0.0900% | 4,266 |
| Noninterest expense to average assets | 2.1426% | 3,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.3639% | 4,385 |
| Return on assets (ROA) | -0.3639% | 4,412 |
| Pretax return on assets | -0.4589% | 4,411 |
| Return on Equity (ROE) | -6.2900% | 4,428 |
| Retained earnings to average equity (ytd only) | -6.2927% | 4,354 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 127.2556% | 117 |
| Assets per employee ($millions) | 5.4743% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 4,074 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 9.0600% | 4,406 |
| Net loans and leases to deposits | 11.0418% | 4,421 |
| Net loans and leases to core deposits | 11.4876% | 4,394 |
| Total domestic deposits to total assets | 82.0100% | 3,075 |
| Equity capital to assets | 6.5543% | 4,088 |
| Core capital (leverage) ratio | 6.3114% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8998% | 421 |
| Memoranda: | ||
| Average total assets | $63,195,667 | 4,141 |
| Average earning assets | $58,728,333 | 4,124 |
| Average equity | $3,655,000 | 4,366 |
| Average total loans | $4,988,667 | 4,415 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 4,522 |
| Cost of funding earning assets | 1.4108% | 3,373 |
| Net interest margin | 1.7603% | 4,404 |
| Noninterest income to average assets | 0.0800% | 4,292 |
| Noninterest expense to average assets | 1.9934% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.2136% | 4,387 |
| Return on assets (ROA) | -0.2136% | 4,373 |
| Pretax return on assets | -0.2729% | 4,372 |
| Return on Equity (ROE) | -3.9000% | 4,394 |
| Retained earnings to average equity (ytd only) | -3.9040% | 4,067 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 115.8621% | 135 |
| Assets per employee ($millions) | 6.9486% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7332% | 4,058 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 7.0100% | 4,440 |
| Net loans and leases to deposits | 10.8225% | 4,438 |
| Net loans and leases to core deposits | 11.0167% | 4,461 |
| Total domestic deposits to total assets | 64.8100% | 4,379 |
| Equity capital to assets | 5.2802% | 4,340 |
| Core capital (leverage) ratio | 5.4749% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4786% | 407 |
| Memoranda: | ||
| Average total assets | $67,422,000 | 4,125 |
| Average earning assets | $62,942,500 | 4,101 |
| Average equity | $3,688,500 | 4,388 |
| Average total loans | $4,986,500 | 4,442 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1963% | 4,487 |
| Cost of funding earning assets | 0.9945% | 3,310 |
| Net interest margin | 2.2019% | 4,317 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.1259% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0457% | 4,291 |
| Return on assets (ROA) | 0.0457% | 4,320 |
| Pretax return on assets | 0.0865% | 4,285 |
| Return on Equity (ROE) | 0.7600% | 4,281 |
| Retained earnings to average equity (ytd only) | 0.7562% | 3,887 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.0914% | 259 |
| Assets per employee ($millions) | 6.5358% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 4,105 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 7.6900% | 4,454 |
| Net loans and leases to deposits | 10.6932% | 4,455 |
| Net loans and leases to core deposits | 10.8108% | 4,475 |
| Total domestic deposits to total assets | 71.9300% | 4,234 |
| Equity capital to assets | 5.6734% | 4,300 |
| Core capital (leverage) ratio | 5.6362% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3704% | 401 |
| Memoranda: | ||
| Average total assets | $61,291,200 | 4,197 |
| Average earning assets | $56,815,200 | 4,179 |
| Average equity | $3,702,600 | 4,376 |
| Average total loans | $5,150,800 | 4,460 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1639% | 4,497 |
| Cost of funding earning assets | 0.8722% | 3,339 |
| Net interest margin | 2.2916% | 4,307 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.2076% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0487% | 4,350 |
| Return on assets (ROA) | 0.0487% | 4,372 |
| Pretax return on assets | 0.0995% | 4,345 |
| Return on Equity (ROE) | 0.7900% | 4,334 |
| Retained earnings to average equity (ytd only) | 0.7925% | 3,988 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.6855% | 233 |
| Assets per employee ($millions) | 6.3627% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7102% | 4,118 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 7.9100% | 4,480 |
| Net loans and leases to deposits | 11.0815% | 4,479 |
| Net loans and leases to core deposits | 11.2064% | 4,465 |
| Total domestic deposits to total assets | 71.3800% | 4,276 |
| Equity capital to assets | 5.8214% | 4,044 |
| Core capital (leverage) ratio | 5.5755% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2652% | 419 |
| Memoranda: | ||
| Average total assets | $60,274,500 | 4,230 |
| Average earning assets | $55,795,500 | 4,209 |
| Average equity | $3,701,250 | 4,390 |
| Average total loans | $5,172,750 | 4,485 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0805% | 4,531 |
| Cost of funding earning assets | 0.6512% | 3,624 |
| Net interest margin | 2.4293% | 4,281 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.3328% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0642% | 4,384 |
| Return on assets (ROA) | 0.0642% | 4,419 |
| Pretax return on assets | 0.1386% | 4,368 |
| Return on Equity (ROE) | 1.0300% | 4,366 |
| Retained earnings to average equity (ytd only) | 1.0269% | 3,906 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.3912% | 255 |
| Assets per employee ($millions) | 6.5154% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6924% | 4,199 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 7.9200% | 4,510 |
| Net loans and leases to deposits | 10.9595% | 4,509 |
| Net loans and leases to core deposits | 11.0182% | 4,496 |
| Total domestic deposits to total assets | 72.3100% | 4,282 |
| Equity capital to assets | 5.6850% | 4,241 |
| Core capital (leverage) ratio | 5.4213% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8317% | 441 |
| Memoranda: | ||
| Average total assets | $59,157,000 | 4,255 |
| Average earning assets | $54,667,000 | 4,238 |
| Average equity | $3,700,333 | 4,418 |
| Average total loans | $5,207,333 | 4,515 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7102% | 4,616 |
| Cost of funding earning assets | 0.0619% | 4,566 |
| Net interest margin | 2.6483% | 4,149 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.4217% | 2,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1140% | 4,423 |
| Return on assets (ROA) | 0.1140% | 4,395 |
| Pretax return on assets | 0.1425% | 4,385 |
| Return on Equity (ROE) | 1.7300% | 4,327 |
| Retained earnings to average equity (ytd only) | 1.7304% | 3,749 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.4444% | 251 |
| Assets per employee ($millions) | 5.5300% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 4,246 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 9.2800% | 4,577 |
| Net loans and leases to deposits | 10.2985% | 4,582 |
| Net loans and leases to core deposits | 10.2985% | 4,569 |
| Total domestic deposits to total assets | 90.1300% | 1,112 |
| Equity capital to assets | 6.6998% | 3,962 |
| Core capital (leverage) ratio | 6.4038% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7156% | 453 |
| Memoranda: | ||
| Average total assets | $56,158,500 | 4,352 |
| Average earning assets | $51,656,000 | 4,333 |
| Average equity | $3,698,500 | 4,483 |
| Average total loans | $5,211,500 | 4,586 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5722% | 4,471 |
| Cost of funding earning assets | 0.0199% | 4,627 |
| Net interest margin | 2.5523% | 4,230 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2999% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3764% | 4,271 |
| Return on assets (ROA) | 0.3764% | 4,237 |
| Pretax return on assets | 0.4763% | 4,200 |
| Return on Equity (ROE) | 6.3300% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.3341% | 2,519 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 82.8434% | 552 |
| Assets per employee ($millions) | 5.7017% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6852% | 4,227 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 9.1500% | 4,610 |
| Net loans and leases to deposits | 9.8199% | 4,614 |
| Net loans and leases to core deposits | 9.8199% | 4,602 |
| Total domestic deposits to total assets | 93.2000% | 364 |
| Equity capital to assets | 6.4753% | 3,911 |
| Core capital (leverage) ratio | 6.0344% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3052% | 457 |
| Memoranda: | ||
| Average total assets | $60,046,000 | 4,336 |
| Average earning assets | $55,400,200 | 4,318 |
| Average equity | $3,568,000 | 4,560 |
| Average total loans | $5,704,600 | 4,614 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4825% | 4,457 |
| Cost of funding earning assets | 0.0214% | 4,658 |
| Net interest margin | 2.4611% | 4,251 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.2498% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4254% | 4,197 |
| Return on assets (ROA) | 0.4254% | 4,141 |
| Pretax return on assets | 0.5394% | 4,089 |
| Return on Equity (ROE) | 7.3100% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.3130% | 2,261 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.6604% | 730 |
| Assets per employee ($millions) | 5.9868% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6566% | 4,321 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 9.1000% | 4,653 |
| Net loans and leases to deposits | 9.7221% | 4,656 |
| Net loans and leases to core deposits | 9.7667% | 4,642 |
| Total domestic deposits to total assets | 93.5800% | 442 |
| Equity capital to assets | 6.1218% | 3,915 |
| Core capital (leverage) ratio | 5.8096% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1019% | 554 |
| Memoranda: | ||
| Average total assets | $60,803,250 | 4,362 |
| Average earning assets | $56,125,000 | 4,344 |
| Average equity | $3,537,000 | 4,610 |
| Average total loans | $5,817,250 | 4,650 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4080% | 4,452 |
| Cost of funding earning assets | 0.0177% | 4,725 |
| Net interest margin | 2.3903% | 4,240 |
| Noninterest income to average assets | 0.1211% | 4,392 |
| Noninterest expense to average assets | 2.2090% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0949% | 4,517 |
| Return on assets (ROA) | 0.0949% | 4,484 |
| Pretax return on assets | 0.1211% | 4,470 |
| Return on Equity (ROE) | 1.6598% | 4,385 |
| Retained earnings to average equity (ytd only) | 1.6598% | 3,835 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8034% | 272 |
| Assets per employee ($millions) | 6.1514% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 4,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 9.3605% | 4,713 |
| Net loans and leases to deposits | 9.9511% | 4,719 |
| Net loans and leases to core deposits | 9.9953% | 4,711 |
| Total domestic deposits to total assets | 94.0648% | 270 |
| Equity capital to assets | 5.6979% | 4,302 |
| Core capital (leverage) ratio | 5.3680% | 4,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5562% | 652 |
| Memoranda: | ||
| Average total assets | $61,115,000 | 4,402 |
| Average earning assets | $56,477,333 | 4,392 |
| Average equity | $3,494,333 | 4,657 |
| Average total loans | $5,928,667 | 4,714 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3300% | 4,435 |
| Cost of funding earning assets | 0.0213% | 4,731 |
| Net interest margin | 2.3087% | 4,225 |
| Noninterest income to average assets | 0.1182% | 4,410 |
| Noninterest expense to average assets | 2.2063% | 2,825 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0328% | 4,525 |
| Return on assets (ROA) | 0.0328% | 4,504 |
| Pretax return on assets | 0.0460% | 4,492 |
| Return on Equity (ROE) | 0.5732% | 4,476 |
| Retained earnings to average equity (ytd only) | 0.5732% | 3,906 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9592% | 278 |
| Assets per employee ($millions) | 6.0516% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 4,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 9.6437% | 4,737 |
| Net loans and leases to deposits | 10.2588% | 4,744 |
| Net loans and leases to core deposits | 10.3051% | 4,736 |
| Total domestic deposits to total assets | 94.0049% | 114 |
| Equity capital to assets | 5.7621% | 4,627 |
| Core capital (leverage) ratio | 5.4679% | 4,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9009% | 770 |
| Memoranda: | ||
| Average total assets | $60,915,500 | 4,426 |
| Average earning assets | $56,309,000 | 4,419 |
| Average equity | $3,489,000 | 4,686 |
| Average total loans | $5,996,000 | 4,739 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8444% | 4,707 |
| Cost of funding earning assets | 0.0328% | 4,748 |
| Net interest margin | 1.8116% | 4,664 |
| Noninterest income to average assets | 0.3041% | 3,590 |
| Noninterest expense to average assets | 2.1890% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.1697% | 4,718 |
| Return on assets (ROA) | -0.1697% | 4,724 |
| Pretax return on assets | -0.2150% | 4,732 |
| Return on Equity (ROE) | -2.8294% | 4,749 |
| Retained earnings to average equity (ytd only) | -2.8294% | 4,654 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8936% | 94 |
| Assets per employee ($millions) | 6.1315% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 4,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 9.9225% | 4,779 |
| Net loans and leases to deposits | 10.5548% | 4,786 |
| Net loans and leases to core deposits | 10.6019% | 4,779 |
| Total domestic deposits to total assets | 94.0096% | 14 |
| Equity capital to assets | 5.6935% | 4,820 |
| Core capital (leverage) ratio | 5.4496% | 4,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8471% | 501 |
| Memoranda: | ||
| Average total assets | $59,524,000 | 4,459 |
| Average earning assets | $54,867,400 | 4,451 |
| Average equity | $3,569,600 | 4,737 |
| Average total loans | $6,320,200 | 4,780 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7698% | 4,802 |
| Cost of funding earning assets | 0.0343% | 4,832 |
| Net interest margin | 1.7355% | 4,763 |
| Noninterest income to average assets | 0.3566% | 3,319 |
| Noninterest expense to average assets | 2.2027% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.1964% | 4,796 |
| Return on assets (ROA) | -0.1964% | 4,801 |
| Pretax return on assets | -0.2483% | 4,807 |
| Return on Equity (ROE) | -3.2318% | 4,826 |
| Retained earnings to average equity (ytd only) | -3.2318% | 4,754 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.7021% | 92 |
| Assets per employee ($millions) | 4.9428% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5893% | 4,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 10.2389% | 4,851 |
| Net loans and leases to deposits | 10.9185% | 4,858 |
| Net loans and leases to core deposits | 10.9690% | 4,851 |
| Total domestic deposits to total assets | 93.7754% | 14 |
| Equity capital to assets | 5.9296% | 4,891 |
| Core capital (leverage) ratio | 5.5794% | 4,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8844% | 381 |
| Memoranda: | ||
| Average total assets | $59,076,250 | 4,523 |
| Average earning assets | $54,393,500 | 4,511 |
| Average equity | $3,589,250 | 4,805 |
| Average total loans | $6,370,250 | 4,848 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7656% | 4,844 |
| Cost of funding earning assets | 0.0331% | 4,871 |
| Net interest margin | 1.7325% | 4,805 |
| Noninterest income to average assets | 0.4678% | 2,768 |
| Noninterest expense to average assets | 2.1899% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.0983% | 4,803 |
| Return on assets (ROA) | -0.0983% | 4,809 |
| Pretax return on assets | -0.1254% | 4,810 |
| Return on Equity (ROE) | -1.6052% | 4,835 |
| Retained earnings to average equity (ytd only) | -1.6052% | 4,650 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0755% | 119 |
| Assets per employee ($millions) | 4.9157% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 4,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 10.2004% | 4,891 |
| Net loans and leases to deposits | 10.8984% | 4,898 |
| Net loans and leases to core deposits | 10.9492% | 4,890 |
| Total domestic deposits to total assets | 93.5953% | 17 |
| Equity capital to assets | 6.0843% | 4,917 |
| Core capital (leverage) ratio | 5.7164% | 4,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6804% | 255 |
| Memoranda: | ||
| Average total assets | $58,997,333 | 4,548 |
| Average earning assets | $54,371,333 | 4,540 |
| Average equity | $3,613,333 | 4,835 |
| Average total loans | $6,457,333 | 4,884 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7684% | 4,872 |
| Cost of funding earning assets | 0.0442% | 4,882 |
| Net interest margin | 1.7242% | 4,832 |
| Noninterest income to average assets | 0.1153% | 4,608 |
| Noninterest expense to average assets | 2.0135% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2441% | 4,851 |
| Return on assets (ROA) | -0.2441% | 4,857 |
| Pretax return on assets | -0.3119% | 4,860 |
| Return on Equity (ROE) | -3.9719% | 4,894 |
| Retained earnings to average equity (ytd only) | -3.9719% | 4,652 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3267% | 78 |
| Assets per employee ($millions) | 4.9066% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 4,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 10.8697% | 4,916 |
| Net loans and leases to deposits | 11.6321% | 4,922 |
| Net loans and leases to core deposits | 11.6863% | 4,917 |
| Total domestic deposits to total assets | 93.4459% | 20 |
| Equity capital to assets | 6.1091% | 4,931 |
| Core capital (leverage) ratio | 5.7980% | 4,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7787% | 303 |
| Memoranda: | ||
| Average total assets | $59,002,000 | 4,568 |
| Average earning assets | $54,287,000 | 4,556 |
| Average equity | $3,625,500 | 4,858 |
| Average total loans | $6,659,500 | 4,908 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3950% | 4,865 |
| Cost of funding earning assets | 0.0470% | 4,941 |
| Net interest margin | 2.3480% | 4,692 |
| Noninterest income to average assets | 0.2809% | 3,799 |
| Noninterest expense to average assets | 2.4937% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0537% | 4,759 |
| Return on assets (ROA) | -0.0537% | 4,791 |
| Pretax return on assets | -0.0680% | 4,787 |
| Return on Equity (ROE) | -0.8052% | 4,810 |
| Retained earnings to average equity (ytd only) | -0.8052% | 4,619 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8024% | 151 |
| Assets per employee ($millions) | 4.9271% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5230% | 4,775 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 11.5805% | 4,935 |
| Net loans and leases to deposits | 12.4134% | 4,946 |
| Net loans and leases to core deposits | 12.4711% | 4,940 |
| Total domestic deposits to total assets | 93.2905% | 12 |
| Equity capital to assets | 6.1801% | 4,974 |
| Core capital (leverage) ratio | 5.8455% | 4,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0790% | 263 |
| Memoranda: | ||
| Average total assets | $55,900,200 | 4,572 |
| Average earning assets | $51,063,800 | 4,570 |
| Average equity | $3,725,600 | 4,862 |
| Average total loans | $7,098,600 | 4,931 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5504% | 4,898 |
| Cost of funding earning assets | 0.0451% | 4,990 |
| Net interest margin | 2.5052% | 4,653 |
| Noninterest income to average assets | 0.3315% | 3,501 |
| Noninterest expense to average assets | 2.5967% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0145% | 4,762 |
| Return on assets (ROA) | 0.0145% | 4,781 |
| Pretax return on assets | 0.0194% | 4,773 |
| Return on Equity (ROE) | 0.2137% | 4,775 |
| Retained earnings to average equity (ytd only) | 0.2137% | 4,443 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2599% | 180 |
| Assets per employee ($millions) | 4.8144% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5055% | 4,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 12.2635% | 4,966 |
| Net loans and leases to deposits | 13.1809% | 4,975 |
| Net loans and leases to core deposits | 13.2435% | 4,974 |
| Total domestic deposits to total assets | 93.0400% | 15 |
| Equity capital to assets | 6.4269% | 4,990 |
| Core capital (leverage) ratio | 6.0877% | 5,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5512% | 320 |
| Memoranda: | ||
| Average total assets | $55,094,000 | 4,608 |
| Average earning assets | $50,240,000 | 4,600 |
| Average equity | $3,743,500 | 4,885 |
| Average total loans | $7,152,500 | 4,960 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7216% | 4,932 |
| Cost of funding earning assets | 0.0487% | 5,027 |
| Net interest margin | 2.6730% | 4,582 |
| Noninterest income to average assets | 0.3321% | 3,478 |
| Noninterest expense to average assets | 2.7084% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0443% | 4,732 |
| Return on assets (ROA) | 0.0443% | 4,761 |
| Pretax return on assets | 0.0553% | 4,757 |
| Return on Equity (ROE) | 0.6394% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.6394% | 4,174 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9973% | 206 |
| Assets per employee ($millions) | 3.5028% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4999% | 4,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 12.7844% | 5,001 |
| Net loans and leases to deposits | 13.7860% | 5,007 |
| Net loans and leases to core deposits | 13.8534% | 5,003 |
| Total domestic deposits to total assets | 92.7344% | 23 |
| Equity capital to assets | 6.6857% | 5,004 |
| Core capital (leverage) ratio | 6.3343% | 5,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2163% | 358 |
| Memoranda: | ||
| Average total assets | $54,201,000 | 4,634 |
| Average earning assets | $49,308,333 | 4,633 |
| Average equity | $3,753,667 | 4,916 |
| Average total loans | $7,163,000 | 4,995 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0137% | 4,949 |
| Cost of funding earning assets | 0.0495% | 5,081 |
| Net interest margin | 2.9642% | 4,341 |
| Noninterest income to average assets | 0.1426% | 4,653 |
| Noninterest expense to average assets | 2.8679% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0225% | 4,764 |
| Return on assets (ROA) | -0.0225% | 4,755 |
| Pretax return on assets | -0.0300% | 4,748 |
| Return on Equity (ROE) | -0.3194% | 4,760 |
| Retained earnings to average equity (ytd only) | -0.3194% | 4,039 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0582% | 221 |
| Assets per employee ($millions) | 3.5521% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5106% | 4,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 13.1639% | 5,047 |
| Net loans and leases to deposits | 14.2520% | 5,049 |
| Net loans and leases to core deposits | 14.3254% | 5,048 |
| Total domestic deposits to total assets | 92.3652% | 25 |
| Equity capital to assets | 7.0343% | 5,064 |
| Core capital (leverage) ratio | 6.5129% | 5,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2535% | 428 |
| Memoranda: | ||
| Average total assets | $53,279,000 | 4,661 |
| Average earning assets | $48,445,500 | 4,668 |
| Average equity | $3,757,000 | 4,960 |
| Average total loans | $7,144,000 | 5,043 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 4,947 |
| Cost of funding earning assets | 0.0485% | 5,145 |
| Net interest margin | 3.2886% | 4,015 |
| Noninterest income to average assets | 0.1973% | 4,480 |
| Noninterest expense to average assets | 2.7384% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.3082% | 4,739 |
| Return on assets (ROA) | 0.3082% | 4,769 |
| Pretax return on assets | 0.3909% | 4,725 |
| Return on Equity (ROE) | 4.4155% | 4,368 |
| Retained earnings to average equity (ytd only) | 4.4155% | 2,752 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5075% | 467 |
| Assets per employee ($millions) | 3.3298% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4974% | 4,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 13.5183% | 5,109 |
| Net loans and leases to deposits | 14.6460% | 5,116 |
| Net loans and leases to core deposits | 14.7214% | 5,112 |
| Total domestic deposits to total assets | 92.3005% | 26 |
| Equity capital to assets | 7.0688% | 5,137 |
| Core capital (leverage) ratio | 6.5368% | 5,158 |
| Tier 1 risk-based capital ratio | 24.3087% | 806 |
| Total risk-based capital ratio | 24.5620% | 869 |
| Memoranda: | ||
| Average total assets | $53,205,800 | 4,694 |
| Average earning assets | $47,436,600 | 4,724 |
| Average equity | $3,714,200 | 5,018 |
| Average total loans | $7,230,200 | 5,103 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4217% | 5,010 |
| Cost of funding earning assets | 0.0480% | 5,224 |
| Net interest margin | 3.3737% | 3,932 |
| Noninterest income to average assets | 0.1955% | 4,547 |
| Noninterest expense to average assets | 2.7825% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3209% | 4,817 |
| Return on assets (ROA) | 0.3209% | 4,838 |
| Pretax return on assets | 0.4061% | 4,807 |
| Return on Equity (ROE) | 4.6109% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.6109% | 3,095 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2642% | 441 |
| Assets per employee ($millions) | 3.2433% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5364% | 4,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 12.8633% | 5,191 |
| Net loans and leases to deposits | 13.9671% | 5,198 |
| Net loans and leases to core deposits | 14.0408% | 5,194 |
| Total domestic deposits to total assets | 92.0970% | 36 |
| Equity capital to assets | 7.2111% | 5,203 |
| Core capital (leverage) ratio | 6.5730% | 5,234 |
| Tier 1 risk-based capital ratio | 23.7680% | 870 |
| Total risk-based capital ratio | 24.0190% | 950 |
| Memoranda: | ||
| Average total assets | $53,188,250 | 4,767 |
| Average earning assets | $47,187,500 | 4,794 |
| Average equity | $3,701,250 | 5,093 |
| Average total loans | $7,228,250 | 5,181 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 5,036 |
| Cost of funding earning assets | 0.0465% | 5,267 |
| Net interest margin | 3.4179% | 3,840 |
| Noninterest income to average assets | 0.2051% | 4,522 |
| Noninterest expense to average assets | 2.7900% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3394% | 4,820 |
| Return on assets (ROA) | 0.3394% | 4,833 |
| Pretax return on assets | 0.4289% | 4,795 |
| Return on Equity (ROE) | 4.9354% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.9354% | 2,800 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6744% | 509 |
| Assets per employee ($millions) | 3.3254% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5233% | 4,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 12.8630% | 5,240 |
| Net loans and leases to deposits | 13.9315% | 5,247 |
| Net loans and leases to core deposits | 13.9315% | 5,242 |
| Total domestic deposits to total assets | 92.3300% | 29 |
| Equity capital to assets | 6.9878% | 5,265 |
| Core capital (leverage) ratio | 6.4255% | 5,284 |
| Tier 1 risk-based capital ratio | 22.5018% | 995 |
| Total risk-based capital ratio | 22.7428% | 1,099 |
| Memoranda: | ||
| Average total assets | $53,620,330 | 4,795 |
| Average earning assets | $47,280,330 | 4,826 |
| Average equity | $3,687,670 | 5,132 |
| Average total loans | $7,400,670 | 5,226 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 5,042 |
| Cost of funding earning assets | 0.0420% | 5,332 |
| Net interest margin | 3.4695% | 3,681 |
| Noninterest income to average assets | 0.2006% | 4,557 |
| Noninterest expense to average assets | 2.8536% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3270% | 4,864 |
| Return on assets (ROA) | 0.3270% | 4,873 |
| Pretax return on assets | 0.4161% | 4,816 |
| Return on Equity (ROE) | 4.7924% | 4,387 |
| Retained earnings to average equity (ytd only) | 4.7924% | 3,001 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2727% | 517 |
| Assets per employee ($millions) | 3.2623% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4694% | 5,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 14.6234% | 5,294 |
| Net loans and leases to deposits | 15.8246% | 5,298 |
| Net loans and leases to core deposits | 15.8246% | 5,294 |
| Total domestic deposits to total assets | 92.4095% | 45 |
| Equity capital to assets | 7.0655% | 5,305 |
| Core capital (leverage) ratio | 6.1797% | 5,340 |
| Tier 1 risk-based capital ratio | 21.4620% | 1,113 |
| Total risk-based capital ratio | 21.6959% | 1,234 |
| Memoranda: | ||
| Average total assets | $53,827,000 | 4,843 |
| Average earning assets | $47,615,500 | 4,865 |
| Average equity | $3,672,500 | 5,183 |
| Average total loans | $7,661,000 | 5,281 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 5,032 |
| Cost of funding earning assets | 0.0471% | 5,364 |
| Net interest margin | 3.3250% | 4,193 |
| Noninterest income to average assets | 0.1604% | 4,920 |
| Noninterest expense to average assets | 2.6752% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3012% | 5,005 |
| Return on assets (ROA) | 0.3012% | 5,000 |
| Pretax return on assets | 0.3814% | 4,952 |
| Return on Equity (ROE) | 4.6960% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.6960% | 2,936 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5219% | 454 |
| Assets per employee ($millions) | 3.4661% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4704% | 5,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 13.7350% | 5,339 |
| Net loans and leases to deposits | 14.7817% | 5,343 |
| Net loans and leases to core deposits | 14.7817% | 5,342 |
| Total domestic deposits to total assets | 92.9188% | 36 |
| Equity capital to assets | 6.5943% | 5,358 |
| Core capital (leverage) ratio | 5.9498% | 5,384 |
| Tier 1 risk-based capital ratio | 20.7968% | 1,182 |
| Total risk-based capital ratio | 21.0273% | 1,313 |
| Memoranda: | ||
| Average total assets | $56,108,200 | 4,830 |
| Average earning assets | $48,872,600 | 4,877 |
| Average equity | $3,598,800 | 5,223 |
| Average total loans | $7,781,400 | 5,327 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3592% | 5,074 |
| Cost of funding earning assets | 0.0491% | 5,433 |
| Net interest margin | 3.3101% | 4,250 |
| Noninterest income to average assets | 0.1587% | 4,986 |
| Noninterest expense to average assets | 2.6798% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2796% | 5,114 |
| Return on assets (ROA) | 0.2796% | 5,108 |
| Pretax return on assets | 0.3530% | 5,087 |
| Return on Equity (ROE) | 4.3895% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.3895% | 3,560 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3594% | 388 |
| Assets per employee ($millions) | 3.2236% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4582% | 5,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 14.2714% | 5,411 |
| Net loans and leases to deposits | 15.3600% | 5,415 |
| Net loans and leases to core deposits | 15.3600% | 5,414 |
| Total domestic deposits to total assets | 92.9127% | 38 |
| Equity capital to assets | 6.6038% | 5,419 |
| Core capital (leverage) ratio | 5.8007% | 5,456 |
| Tier 1 risk-based capital ratio | 20.2070% | 1,297 |
| Total risk-based capital ratio | 20.4355% | 1,462 |
| Memoranda: | ||
| Average total assets | $56,271,000 | 4,882 |
| Average earning assets | $48,859,000 | 4,934 |
| Average equity | $3,584,250 | 5,293 |
| Average total loans | $7,813,500 | 5,396 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 5,130 |
| Cost of funding earning assets | 0.0491% | 5,488 |
| Net interest margin | 3.2641% | 4,346 |
| Noninterest income to average assets | 0.1691% | 4,978 |
| Noninterest expense to average assets | 2.6074% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2925% | 5,126 |
| Return on assets (ROA) | 0.2925% | 5,118 |
| Pretax return on assets | 0.3700% | 5,082 |
| Return on Equity (ROE) | 4.6464% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.6464% | 3,265 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5740% | 492 |
| Assets per employee ($millions) | 3.3765% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4559% | 5,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 13.6931% | 5,478 |
| Net loans and leases to deposits | 14.6790% | 5,486 |
| Net loans and leases to core deposits | 14.6790% | 5,483 |
| Total domestic deposits to total assets | 93.2841% | 25 |
| Equity capital to assets | 6.2717% | 5,498 |
| Core capital (leverage) ratio | 5.7454% | 5,518 |
| Tier 1 risk-based capital ratio | 19.6335% | 1,396 |
| Total risk-based capital ratio | 19.8586% | 1,612 |
| Memoranda: | ||
| Average total assets | $56,760,670 | 4,926 |
| Average earning assets | $48,834,330 | 4,988 |
| Average equity | $3,572,670 | 5,357 |
| Average total loans | $7,799,000 | 5,461 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 5,166 |
| Cost of funding earning assets | 0.0495% | 5,556 |
| Net interest margin | 3.2247% | 4,387 |
| Noninterest income to average assets | 0.1630% | 5,042 |
| Noninterest expense to average assets | 2.6648% | 3,147 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2126% | 5,227 |
| Return on assets (ROA) | 0.2126% | 5,226 |
| Pretax return on assets | 0.2693% | 5,191 |
| Return on Equity (ROE) | 3.3717% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.3717% | 3,862 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8213% | 407 |
| Assets per employee ($millions) | 3.3056% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4721% | 5,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 13.5065% | 5,538 |
| Net loans and leases to deposits | 14.4886% | 5,548 |
| Net loans and leases to core deposits | 14.4886% | 5,545 |
| Total domestic deposits to total assets | 93.2218% | 32 |
| Equity capital to assets | 6.3422% | 5,552 |
| Core capital (leverage) ratio | 5.5915% | 5,580 |
| Tier 1 risk-based capital ratio | 20.1073% | 1,324 |
| Total risk-based capital ratio | 20.3430% | 1,490 |
| Memoranda: | ||
| Average total assets | $56,440,500 | 4,989 |
| Average earning assets | $48,500,000 | 5,051 |
| Average equity | $3,559,000 | 5,414 |
| Average total loans | $7,750,500 | 5,521 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 5,312 |
| Cost of funding earning assets | 0.0562% | 5,606 |
| Net interest margin | 3.0214% | 4,838 |
| Noninterest income to average assets | 0.1934% | 4,985 |
| Noninterest expense to average assets | 2.6169% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.3503% | 5,619 |
| Return on assets (ROA) | -1.3503% | 5,617 |
| Pretax return on assets | 0.2004% | 5,313 |
| Return on Equity (ROE) | -18.5531% | 5,636 |
| Retained earnings to average equity (ytd only) | -18.5531% | 5,610 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8881% | 325 |
| Assets per employee ($millions) | 3.3345% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4571% | 5,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 13.8288% | 5,609 |
| Net loans and leases to deposits | 14.8224% | 5,617 |
| Net loans and leases to core deposits | 14.8224% | 5,614 |
| Total domestic deposits to total assets | 93.2964% | 27 |
| Equity capital to assets | 6.2696% | 5,626 |
| Core capital (leverage) ratio | 5.7222% | 5,638 |
| Tier 1 risk-based capital ratio | 20.5143% | 1,222 |
| Total risk-based capital ratio | 20.7499% | 1,388 |
| Memoranda: | ||
| Average total assets | $57,396,400 | 5,020 |
| Average earning assets | $49,844,600 | 5,066 |
| Average equity | $4,177,200 | 5,399 |
| Average total loans | $8,117,000 | 5,575 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0582% | 5,372 |
| Cost of funding earning assets | 0.0581% | 5,665 |
| Net interest margin | 3.0001% | 4,916 |
| Noninterest income to average assets | 0.1853% | 5,094 |
| Noninterest expense to average assets | 2.6308% | 3,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1204% | 5,426 |
| Return on assets (ROA) | 0.1204% | 5,437 |
| Pretax return on assets | 0.1853% | 5,400 |
| Return on Equity (ROE) | 1.6000% | 5,363 |
| Retained earnings to average equity (ytd only) | 1.6000% | 4,787 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4211% | 306 |
| Assets per employee ($millions) | 3.2744% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4512% | 5,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 14.2693% | 5,675 |
| Net loans and leases to deposits | 15.5654% | 5,679 |
| Net loans and leases to core deposits | 15.5654% | 5,677 |
| Total domestic deposits to total assets | 91.6734% | 85 |
| Equity capital to assets | 7.7895% | 5,575 |
| Core capital (leverage) ratio | 5.6840% | 5,708 |
| Tier 1 risk-based capital ratio | 20.2683% | 1,312 |
| Total risk-based capital ratio | 20.4972% | 1,487 |
| Memoranda: | ||
| Average total assets | $57,574,000 | 5,067 |
| Average earning assets | $50,486,250 | 5,112 |
| Average equity | $4,333,000 | 5,429 |
| Average total loans | $8,177,500 | 5,636 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0078% | 5,428 |
| Cost of funding earning assets | 0.0627% | 5,694 |
| Net interest margin | 2.9451% | 5,012 |
| Noninterest income to average assets | 0.1787% | 5,160 |
| Noninterest expense to average assets | 2.6112% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0962% | 5,495 |
| Return on assets (ROA) | 0.0962% | 5,498 |
| Pretax return on assets | 0.1512% | 5,466 |
| Return on Equity (ROE) | 1.2927% | 5,441 |
| Retained earnings to average equity (ytd only) | 1.2927% | 4,731 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5274% | 291 |
| Assets per employee ($millions) | 3.2321% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4450% | 5,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 13.8437% | 5,724 |
| Net loans and leases to deposits | 15.0446% | 5,733 |
| Net loans and leases to core deposits | 15.0446% | 5,729 |
| Total domestic deposits to total assets | 92.0176% | 66 |
| Equity capital to assets | 7.4427% | 5,663 |
| Core capital (leverage) ratio | 5.5780% | 5,754 |
| Tier 1 risk-based capital ratio | 19.9810% | 1,378 |
| Total risk-based capital ratio | 20.2086% | 1,554 |
| Memoranda: | ||
| Average total assets | $58,210,330 | 5,096 |
| Average earning assets | $51,068,000 | 5,138 |
| Average equity | $4,332,000 | 5,466 |
| Average total loans | $8,243,670 | 5,682 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9906% | 5,467 |
| Cost of funding earning assets | 0.0626% | 5,765 |
| Net interest margin | 2.9280% | 5,031 |
| Noninterest income to average assets | 0.1786% | 5,199 |
| Noninterest expense to average assets | 2.6655% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0550% | 5,564 |
| Return on assets (ROA) | 0.0550% | 5,571 |
| Pretax return on assets | 0.0824% | 5,538 |
| Return on Equity (ROE) | 0.7385% | 5,535 |
| Retained earnings to average equity (ytd only) | 0.7385% | 4,736 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0000% | 295 |
| Assets per employee ($millions) | 3.4339% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4383% | 5,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 14.0092% | 5,793 |
| Net loans and leases to deposits | 15.2160% | 5,795 |
| Net loans and leases to core deposits | 15.2160% | 5,793 |
| Total domestic deposits to total assets | 92.0687% | 96 |
| Equity capital to assets | 7.4123% | 5,698 |
| Core capital (leverage) ratio | 5.5228% | 5,821 |
| Tier 1 risk-based capital ratio | 19.1915% | 1,565 |
| Total risk-based capital ratio | 19.4117% | 1,787 |
| Memoranda: | ||
| Average total assets | $58,226,500 | 5,149 |
| Average earning assets | $51,093,000 | 5,192 |
| Average equity | $4,333,000 | 5,521 |
| Average total loans | $8,320,500 | 5,745 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5452% | 5,742 |
| Cost of funding earning assets | 0.0745% | 5,794 |
| Net interest margin | 2.4707% | 5,600 |
| Noninterest income to average assets | 0.8057% | 1,732 |
| Noninterest expense to average assets | 2.6979% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0174% | 5,626 |
| Return on assets (ROA) | 0.1291% | 5,558 |
| Pretax return on assets | 0.4220% | 5,182 |
| Return on Equity (ROE) | 1.6892% | 5,460 |
| Retained earnings to average equity (ytd only) | 1.6892% | 4,568 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5927% | 481 |
| Assets per employee ($millions) | 3.4163% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4272% | 5,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 14.4481% | 5,847 |
| Net loans and leases to deposits | 15.7238% | 5,855 |
| Net loans and leases to core deposits | 15.7238% | 5,853 |
| Total domestic deposits to total assets | 91.8866% | 116 |
| Equity capital to assets | 7.4711% | 5,721 |
| Core capital (leverage) ratio | 5.5160% | 5,871 |
| Tier 1 risk-based capital ratio | 19.5195% | 1,473 |
| Total risk-based capital ratio | 19.7436% | 1,695 |
| Memoranda: | ||
| Average total assets | $57,340,400 | 5,204 |
| Average earning assets | $49,662,800 | 5,253 |
| Average equity | $4,380,800 | 5,575 |
| Average total loans | $7,951,400 | 5,812 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5487% | 5,807 |
| Cost of funding earning assets | 0.0810% | 5,841 |
| Net interest margin | 2.4677% | 5,675 |
| Noninterest income to average assets | 0.9751% | 1,201 |
| Noninterest expense to average assets | 2.7293% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2379% | 5,405 |
| Return on assets (ROA) | 0.3872% | 5,151 |
| Pretax return on assets | 0.6112% | 4,844 |
| Return on Equity (ROE) | 5.0403% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.0403% | 2,801 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8378% | 682 |
| Assets per employee ($millions) | 3.4005% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4495% | 5,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 13.7920% | 5,917 |
| Net loans and leases to deposits | 15.0244% | 5,924 |
| Net loans and leases to core deposits | 15.0244% | 5,920 |
| Total domestic deposits to total assets | 91.7971% | 89 |
| Equity capital to assets | 7.6822% | 5,812 |
| Core capital (leverage) ratio | 5.6433% | 5,936 |
| Tier 1 risk-based capital ratio | 22.8902% | 1,014 |
| Total risk-based capital ratio | 23.1487% | 1,128 |
| Memoranda: | ||
| Average total assets | $57,156,250 | 5,251 |
| Average earning assets | $49,384,250 | 5,310 |
| Average equity | $4,391,250 | 5,636 |
| Average total loans | $7,832,500 | 5,880 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5804% | 5,881 |
| Cost of funding earning assets | 0.0813% | 5,922 |
| Net interest margin | 2.4991% | 5,745 |
| Noninterest income to average assets | 0.2529% | 4,962 |
| Noninterest expense to average assets | 2.7644% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2213% | 5,854 |
| Return on assets (ROA) | -0.2213% | 5,869 |
| Pretax return on assets | -0.3513% | 5,892 |
| Return on Equity (ROE) | -2.8802% | 5,894 |
| Retained earnings to average equity (ytd only) | -2.8802% | 5,620 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5560% | 114 |
| Assets per employee ($millions) | 3.5764% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4497% | 5,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 13.9265% | 5,995 |
| Net loans and leases to deposits | 15.1436% | 6,002 |
| Net loans and leases to core deposits | 15.1436% | 5,997 |
| Total domestic deposits to total assets | 91.9629% | 89 |
| Equity capital to assets | 7.5408% | 5,906 |
| Core capital (leverage) ratio | 5.2002% | 6,024 |
| Tier 1 risk-based capital ratio | 20.2442% | 1,402 |
| Total risk-based capital ratio | 20.4968% | 1,601 |
| Memoranda: | ||
| Average total assets | $56,938,670 | 5,316 |
| Average earning assets | $49,217,670 | 5,373 |
| Average equity | $4,374,670 | 5,704 |
| Average total loans | $7,773,670 | 5,958 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6145% | 5,929 |
| Cost of funding earning assets | 0.0814% | 5,982 |
| Net interest margin | 2.5330% | 5,779 |
| Noninterest income to average assets | 0.2394% | 5,029 |
| Noninterest expense to average assets | 2.8382% | 2,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2747% | 5,905 |
| Return on assets (ROA) | -0.2747% | 5,912 |
| Pretax return on assets | -0.4085% | 5,943 |
| Return on Equity (ROE) | -3.5418% | 5,950 |
| Retained earnings to average equity (ytd only) | -3.5418% | 5,519 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8116% | 120 |
| Assets per employee ($millions) | 3.5577% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4674% | 5,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 13.4691% | 6,055 |
| Net loans and leases to deposits | 14.6636% | 6,061 |
| Net loans and leases to core deposits | 14.6636% | 6,058 |
| Total domestic deposits to total assets | 91.8539% | 124 |
| Equity capital to assets | 7.6735% | 5,914 |
| Core capital (leverage) ratio | 5.3740% | 6,081 |
| Tier 1 risk-based capital ratio | 21.1414% | 1,296 |
| Total risk-based capital ratio | 21.3999% | 1,448 |
| Memoranda: | ||
| Average total assets | $56,797,000 | 5,371 |
| Average earning assets | $49,111,000 | 5,421 |
| Average equity | $4,404,500 | 5,740 |
| Average total loans | $7,658,000 | 6,022 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4470% | 6,016 |
| Cost of funding earning assets | 0.1902% | 5,363 |
| Net interest margin | 2.2568% | 5,968 |
| Noninterest income to average assets | 0.2262% | 5,241 |
| Noninterest expense to average assets | 2.8037% | 3,213 |
| Loan and lease loss provision to assets | -0.0501% | 5,746 |
| Net operating income to assets | -0.3590% | 6,009 |
| Return on assets (ROA) | 0.0155% | 5,883 |
| Pretax return on assets | 0.0242% | 5,874 |
| Return on Equity (ROE) | 0.1980% | 5,872 |
| Retained earnings to average equity (ytd only) | 0.1980% | 5,430 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8740% | 75 |
| Assets per employee ($millions) | 3.5419% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 5,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 13.3702% | 6,115 |
| Net loans and leases to deposits | 14.5866% | 6,122 |
| Net loans and leases to core deposits | 14.5866% | 6,116 |
| Total domestic deposits to total assets | 91.6606% | 150 |
| Equity capital to assets | 7.8365% | 5,908 |
| Core capital (leverage) ratio | 5.3783% | 6,140 |
| Tier 1 risk-based capital ratio | 21.2865% | 1,255 |
| Total risk-based capital ratio | 21.5404% | 1,403 |
| Memoranda: | ||
| Average total assets | $57,922,600 | 5,366 |
| Average earning assets | $50,469,600 | 5,423 |
| Average equity | $4,545,200 | 5,752 |
| Average total loans | $7,600,800 | 6,072 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3806% | 6,127 |
| Cost of funding earning assets | 0.2145% | 5,239 |
| Net interest margin | 2.1661% | 6,083 |
| Noninterest income to average assets | 0.1992% | 5,450 |
| Noninterest expense to average assets | 2.8092% | 3,152 |
| Loan and lease loss provision to assets | -0.0664% | 5,944 |
| Net operating income to assets | -0.4275% | 6,122 |
| Return on assets (ROA) | 0.0847% | 5,907 |
| Pretax return on assets | 0.1282% | 5,867 |
| Return on Equity (ROE) | 1.0791% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.0791% | 5,284 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.0984% | 63 |
| Assets per employee ($millions) | 3.3754% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4602% | 6,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 13.5687% | 6,202 |
| Net loans and leases to deposits | 14.7975% | 6,209 |
| Net loans and leases to core deposits | 14.7975% | 6,203 |
| Total domestic deposits to total assets | 91.6960% | 126 |
| Equity capital to assets | 7.8526% | 6,006 |
| Core capital (leverage) ratio | 5.4149% | 6,218 |
| Tier 1 risk-based capital ratio | 19.6957% | 1,623 |
| Total risk-based capital ratio | 19.9258% | 1,821 |
| Memoranda: | ||
| Average total assets | $58,235,500 | 5,426 |
| Average earning assets | $50,965,500 | 5,486 |
| Average equity | $4,571,250 | 5,826 |
| Average total loans | $7,597,750 | 6,155 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2774% | 6,222 |
| Cost of funding earning assets | 0.2301% | 5,144 |
| Net interest margin | 2.0473% | 6,195 |
| Noninterest income to average assets | 0.1572% | 5,767 |
| Noninterest expense to average assets | 2.7785% | 3,321 |
| Loan and lease loss provision to assets | -0.0991% | 6,084 |
| Net operating income to assets | -0.4810% | 6,186 |
| Return on assets (ROA) | 0.2837% | 5,573 |
| Pretax return on assets | 0.4306% | 5,400 |
| Return on Equity (ROE) | 3.6142% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.6142% | 3,727 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.3818% | 55 |
| Assets per employee ($millions) | 3.4935% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4932% | 6,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 12.2293% | 6,284 |
| Net loans and leases to deposits | 13.3273% | 6,288 |
| Net loans and leases to core deposits | 13.4132% | 6,278 |
| Total domestic deposits to total assets | 91.7612% | 155 |
| Equity capital to assets | 7.7286% | 6,068 |
| Core capital (leverage) ratio | 5.5547% | 6,283 |
| Tier 1 risk-based capital ratio | 21.0621% | 1,348 |
| Total risk-based capital ratio | 21.3010% | 1,505 |
| Memoranda: | ||
| Average total assets | $58,520,000 | 5,476 |
| Average earning assets | $51,287,000 | 5,532 |
| Average equity | $4,593,000 | 5,882 |
| Average total loans | $7,523,000 | 6,227 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3133% | 6,283 |
| Cost of funding earning assets | 0.2361% | 5,159 |
| Net interest margin | 2.0773% | 6,251 |
| Noninterest income to average assets | 0.1515% | 5,832 |
| Noninterest expense to average assets | 2.8510% | 3,068 |
| Loan and lease loss provision to assets | -0.1722% | 6,255 |
| Net operating income to assets | -0.4683% | 6,235 |
| Return on assets (ROA) | -0.4683% | 6,247 |
| Pretax return on assets | -0.7093% | 6,274 |
| Return on Equity (ROE) | -5.9201% | 6,276 |
| Retained earnings to average equity (ytd only) | -5.9201% | 5,983 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.7552% | 56 |
| Assets per employee ($millions) | 3.3707% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 6,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 13.1549% | 6,344 |
| Net loans and leases to deposits | 14.3921% | 6,355 |
| Net loans and leases to core deposits | 14.4881% | 6,348 |
| Total domestic deposits to total assets | 91.4034% | 251 |
| Equity capital to assets | 8.0067% | 6,028 |
| Core capital (leverage) ratio | 5.3924% | 6,353 |
| Tier 1 risk-based capital ratio | 21.7714% | 1,280 |
| Total risk-based capital ratio | 22.0591% | 1,428 |
| Memoranda: | ||
| Average total assets | $58,085,000 | 5,541 |
| Average earning assets | $50,835,500 | 5,598 |
| Average equity | $4,594,500 | 5,930 |
| Average total loans | $7,635,000 | 6,294 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1253% | 6,408 |
| Cost of funding earning assets | 0.2674% | 5,129 |
| Net interest margin | 1.8579% | 6,393 |
| Noninterest income to average assets | 2.0038% | 339 |
| Noninterest expense to average assets | 2.9114% | 3,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4564% | 4,986 |
| Return on assets (ROA) | 0.4564% | 5,083 |
| Pretax return on assets | 0.7017% | 4,623 |
| Return on Equity (ROE) | 6.2650% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.2650% | 1,774 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5793% | 1,837 |
| Assets per employee ($millions) | 3.4628% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 5,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 12.9561% | 6,436 |
| Net loans and leases to deposits | 14.1484% | 6,447 |
| Net loans and leases to core deposits | 14.2390% | 6,436 |
| Total domestic deposits to total assets | 91.5727% | 213 |
| Equity capital to assets | 7.8158% | 6,137 |
| Core capital (leverage) ratio | 5.5914% | 6,432 |
| Tier 1 risk-based capital ratio | 22.5825% | 1,137 |
| Total risk-based capital ratio | 23.0376% | 1,232 |
| Memoranda: | ||
| Average total assets | $58,288,000 | 5,592 |
| Average earning assets | $50,487,000 | 5,662 |
| Average equity | $4,245,800 | 6,039 |
| Average total loans | $7,872,800 | 6,376 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0379% | 6,496 |
| Cost of funding earning assets | 0.2733% | 5,174 |
| Net interest margin | 1.7646% | 6,487 |
| Noninterest income to average assets | 2.6165% | 226 |
| Noninterest expense to average assets | 2.9948% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7545% | 3,646 |
| Return on assets (ROA) | 0.7545% | 3,743 |
| Pretax return on assets | 1.1466% | 3,004 |
| Return on Equity (ROE) | 10.5523% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.5523% | 579 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3145% | 3,124 |
| Assets per employee ($millions) | 3.6326% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 5,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 13.2600% | 6,513 |
| Net loans and leases to deposits | 14.4467% | 6,523 |
| Net loans and leases to core deposits | 14.5396% | 6,515 |
| Total domestic deposits to total assets | 91.7862% | 182 |
| Equity capital to assets | 7.6649% | 6,265 |
| Core capital (leverage) ratio | 5.4787% | 6,506 |
| Tier 1 risk-based capital ratio | 23.0835% | 1,099 |
| Total risk-based capital ratio | 23.5497% | 1,206 |
| Memoranda: | ||
| Average total assets | $58,143,000 | 5,659 |
| Average earning assets | $50,245,750 | 5,728 |
| Average equity | $4,157,000 | 6,123 |
| Average total loans | $7,918,000 | 6,447 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9767% | 6,575 |
| Cost of funding earning assets | 0.2795% | 5,192 |
| Net interest margin | 1.6971% | 6,563 |
| Noninterest income to average assets | 3.8212% | 152 |
| Noninterest expense to average assets | 3.1298% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4205% | 1,019 |
| Return on assets (ROA) | 1.4205% | 1,059 |
| Pretax return on assets | 2.1531% | 401 |
| Return on Equity (ROE) | 20.3565% | 275 |
| Retained earnings to average equity (ytd only) | 20.3565% | 80 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2448% | 5,397 |
| Assets per employee ($millions) | 3.4360% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 5,926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 13.4527% | 6,578 |
| Net loans and leases to deposits | 14.6889% | 6,586 |
| Net loans and leases to core deposits | 14.7823% | 6,581 |
| Total domestic deposits to total assets | 91.5839% | 240 |
| Equity capital to assets | 7.7467% | 6,276 |
| Core capital (leverage) ratio | 5.7434% | 6,552 |
| Tier 1 risk-based capital ratio | 26.4249% | 739 |
| Total risk-based capital ratio | 26.9296% | 786 |
| Memoranda: | ||
| Average total assets | $58,150,000 | 5,709 |
| Average earning assets | $50,084,000 | 5,784 |
| Average equity | $4,057,670 | 6,196 |
| Average total loans | $7,966,670 | 6,508 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8607% | 6,657 |
| Cost of funding earning assets | 0.2832% | 5,238 |
| Net interest margin | 1.5776% | 6,651 |
| Noninterest income to average assets | 0.4481% | 3,805 |
| Noninterest expense to average assets | 3.2127% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.9376% | 6,564 |
| Return on assets (ROA) | -0.9376% | 6,563 |
| Pretax return on assets | -1.4202% | 6,606 |
| Return on Equity (ROE) | -14.2259% | 6,600 |
| Retained earnings to average equity (ytd only) | -14.2259% | 6,453 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.2308% | 37 |
| Assets per employee ($millions) | 3.2253% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 6,072 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 13.6508% | 6,644 |
| Net loans and leases to deposits | 14.6670% | 6,657 |
| Net loans and leases to core deposits | 14.7587% | 6,649 |
| Total domestic deposits to total assets | 93.0721% | 107 |
| Equity capital to assets | 6.5403% | 6,520 |
| Core capital (leverage) ratio | 4.4935% | 6,663 |
| Tier 1 risk-based capital ratio | 20.5210% | 1,580 |
| Total risk-based capital ratio | 21.0388% | 1,741 |
| Memoranda: | ||
| Average total assets | $58,019,000 | 5,767 |
| Average earning assets | $49,443,000 | 5,857 |
| Average equity | $3,824,000 | 6,285 |
| Average total loans | $7,988,500 | 6,577 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9005% | 6,718 |
| Cost of funding earning assets | 0.3320% | 5,306 |
| Net interest margin | 1.5685% | 6,715 |
| Noninterest income to average assets | 0.3872% | 4,536 |
| Noninterest expense to average assets | 3.0480% | 2,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.8682% | 6,582 |
| Return on assets (ROA) | -0.8682% | 6,583 |
| Pretax return on assets | -1.3151% | 6,647 |
| Return on Equity (ROE) | -11.7639% | 6,604 |
| Retained earnings to average equity (ytd only) | -11.7639% | 6,565 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.8858% | 42 |
| Assets per employee ($millions) | 3.0517% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 6,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 13.6626% | 6,730 |
| Net loans and leases to deposits | 14.7077% | 6,740 |
| Net loans and leases to core deposits | 14.7992% | 6,735 |
| Total domestic deposits to total assets | 92.8945% | 147 |
| Equity capital to assets | 6.6416% | 6,543 |
| Core capital (leverage) ratio | 4.7740% | 6,725 |
| Tier 1 risk-based capital ratio | 21.8604% | 1,283 |
| Total risk-based capital ratio | 22.3767% | 1,381 |
| Memoranda: | ||
| Average total assets | $58,628,200 | 5,790 |
| Average earning assets | $50,303,600 | 5,876 |
| Average equity | $4,326,800 | 6,257 |
| Average total loans | $7,945,400 | 6,652 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8738% | 6,805 |
| Cost of funding earning assets | 0.3400% | 5,381 |
| Net interest margin | 1.5338% | 6,805 |
| Noninterest income to average assets | 0.4490% | 4,164 |
| Noninterest expense to average assets | 3.0209% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.8165% | 6,678 |
| Return on assets (ROA) | -0.8165% | 6,685 |
| Pretax return on assets | -1.2519% | 6,730 |
| Return on Equity (ROE) | -10.7966% | 6,700 |
| Retained earnings to average equity (ytd only) | -10.7966% | 6,657 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.7692% | 46 |
| Assets per employee ($millions) | 3.1102% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 6,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 12.5937% | 6,818 |
| Net loans and leases to deposits | 13.6041% | 6,825 |
| Net loans and leases to core deposits | 13.6869% | 6,820 |
| Total domestic deposits to total assets | 92.5727% | 169 |
| Equity capital to assets | 7.0296% | 6,540 |
| Core capital (leverage) ratio | 5.3130% | 6,770 |
| Tier 1 risk-based capital ratio | 25.5240% | 827 |
| Total risk-based capital ratio | 26.0645% | 878 |
| Memoranda: | ||
| Average total assets | $58,789,500 | 5,849 |
| Average earning assets | $50,590,750 | 5,937 |
| Average equity | $4,445,750 | 6,298 |
| Average total loans | $7,935,000 | 6,726 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8812% | 6,853 |
| Cost of funding earning assets | 0.3525% | 5,382 |
| Net interest margin | 1.5287% | 6,852 |
| Noninterest income to average assets | 0.2011% | 6,004 |
| Noninterest expense to average assets | 2.9103% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.9167% | 6,734 |
| Return on assets (ROA) | -0.9167% | 6,741 |
| Pretax return on assets | -1.3938% | 6,795 |
| Return on Equity (ROE) | -11.8424% | 6,767 |
| Retained earnings to average equity (ytd only) | -11.8424% | 6,705 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.9101% | 36 |
| Assets per employee ($millions) | 3.1094% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7997% | 6,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 13.6478% | 6,860 |
| Net loans and leases to deposits | 14.7682% | 6,868 |
| Net loans and leases to core deposits | 14.8575% | 6,865 |
| Total domestic deposits to total assets | 92.4135% | 198 |
| Equity capital to assets | 7.1210% | 6,572 |
| Core capital (leverage) ratio | 5.5041% | 6,795 |
| Tier 1 risk-based capital ratio | 25.6390% | 807 |
| Total risk-based capital ratio | 26.1598% | 866 |
| Memoranda: | ||
| Average total assets | $58,688,330 | 5,890 |
| Average earning assets | $50,499,330 | 5,979 |
| Average equity | $4,543,000 | 6,324 |
| Average total loans | $8,077,670 | 6,770 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9178% | 6,933 |
| Cost of funding earning assets | 0.3804% | 5,281 |
| Net interest margin | 1.5374% | 6,932 |
| Noninterest income to average assets | 0.2052% | 6,012 |
| Noninterest expense to average assets | 3.2346% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.1283% | 6,836 |
| Return on assets (ROA) | -1.1283% | 6,844 |
| Pretax return on assets | -1.7028% | 6,893 |
| Return on Equity (ROE) | -14.0098% | 6,857 |
| Retained earnings to average equity (ytd only) | -14.0098% | 6,725 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.1607% | 28 |
| Assets per employee ($millions) | 3.0874% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 6,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 13.5729% | 6,931 |
| Net loans and leases to deposits | 14.7852% | 6,943 |
| Net loans and leases to core deposits | 14.8753% | 6,937 |
| Total domestic deposits to total assets | 91.8003% | 284 |
| Equity capital to assets | 7.7990% | 6,468 |
| Core capital (leverage) ratio | 6.0624% | 6,797 |
| Tier 1 risk-based capital ratio | 28.8517% | 591 |
| Total risk-based capital ratio | 29.3852% | 620 |
| Memoranda: | ||
| Average total assets | $58,493,000 | 5,946 |
| Average earning assets | $50,474,500 | 6,033 |
| Average equity | $4,711,000 | 6,331 |
| Average total loans | $8,052,500 | 6,844 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3280% | 6,967 |
| Cost of funding earning assets | 0.4363% | 5,673 |
| Net interest margin | 1.8918% | 6,946 |
| Noninterest income to average assets | 0.2078% | 5,927 |
| Noninterest expense to average assets | 3.3280% | 2,258 |
| Loan and lease loss provision to assets | -0.0208% | 6,835 |
| Net operating income to assets | -0.9697% | 6,735 |
| Return on assets (ROA) | -0.9697% | 6,750 |
| Pretax return on assets | -1.4701% | 6,839 |
| Return on Equity (ROE) | -10.6834% | 6,740 |
| Retained earnings to average equity (ytd only) | -10.6834% | 6,661 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.1499% | 52 |
| Assets per employee ($millions) | 2.9163% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 6,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 13.7402% | 6,987 |
| Net loans and leases to deposits | 15.0662% | 7,000 |
| Net loans and leases to core deposits | 15.1582% | 6,992 |
| Total domestic deposits to total assets | 91.1993% | 430 |
| Equity capital to assets | 8.3103% | 6,190 |
| Core capital (leverage) ratio | 6.0152% | 6,855 |
| Tier 1 risk-based capital ratio | 28.9467% | 561 |
| Total risk-based capital ratio | 29.4905% | 592 |
| Memoranda: | ||
| Average total assets | $57,751,600 | 5,978 |
| Average earning assets | $49,741,200 | 6,064 |
| Average equity | $5,241,800 | 6,225 |
| Average total loans | $8,359,600 | 6,905 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4167% | 7,064 |
| Cost of funding earning assets | 0.4462% | 5,823 |
| Net interest margin | 1.9705% | 7,044 |
| Noninterest income to average assets | 0.2129% | 6,018 |
| Noninterest expense to average assets | 3.3328% | 2,177 |
| Loan and lease loss provision to assets | -0.0278% | 6,971 |
| Net operating income to assets | -0.9188% | 6,838 |
| Return on assets (ROA) | -0.9188% | 6,864 |
| Pretax return on assets | -1.3956% | 6,942 |
| Return on Equity (ROE) | -9.9114% | 6,857 |
| Retained earnings to average equity (ytd only) | -9.9114% | 6,810 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.5455% | 56 |
| Assets per employee ($millions) | 2.8680% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 6,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 13.7694% | 7,089 |
| Net loans and leases to deposits | 15.1996% | 7,104 |
| Net loans and leases to core deposits | 15.2940% | 7,099 |
| Total domestic deposits to total assets | 90.5908% | 566 |
| Equity capital to assets | 8.9907% | 5,835 |
| Core capital (leverage) ratio | 6.7761% | 6,835 |
| Tier 1 risk-based capital ratio | 32.7768% | 415 |
| Total risk-based capital ratio | 33.3249% | 435 |
| Memoranda: | ||
| Average total assets | $57,608,250 | 6,047 |
| Average earning assets | $49,598,000 | 6,132 |
| Average equity | $5,340,500 | 6,265 |
| Average total loans | $8,430,000 | 6,996 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5124% | 7,121 |
| Cost of funding earning assets | 0.4605% | 5,900 |
| Net interest margin | 2.0519% | 7,090 |
| Noninterest income to average assets | 0.2115% | 6,050 |
| Noninterest expense to average assets | 3.3558% | 2,138 |
| Loan and lease loss provision to assets | -0.0416% | 7,067 |
| Net operating income to assets | -0.8875% | 6,882 |
| Return on assets (ROA) | -0.8875% | 6,907 |
| Pretax return on assets | -1.3416% | 6,982 |
| Return on Equity (ROE) | -9.4786% | 6,899 |
| Retained earnings to average equity (ytd only) | -9.4786% | 6,824 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.1230% | 67 |
| Assets per employee ($millions) | 2.8866% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 6,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 13.7101% | 7,156 |
| Net loans and leases to deposits | 15.1768% | 7,169 |
| Net loans and leases to core deposits | 15.2702% | 7,163 |
| Total domestic deposits to total assets | 90.3362% | 745 |
| Equity capital to assets | 9.1857% | 5,476 |
| Core capital (leverage) ratio | 6.9155% | 6,841 |
| Tier 1 risk-based capital ratio | 37.3901% | 293 |
| Total risk-based capital ratio | 37.9981% | 309 |
| Memoranda: | ||
| Average total assets | $57,691,330 | 6,085 |
| Average earning assets | $49,515,330 | 6,174 |
| Average equity | $5,401,670 | 6,264 |
| Average total loans | $8,586,000 | 7,052 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6635% | 7,143 |
| Cost of funding earning assets | 0.4791% | 5,951 |
| Net interest margin | 2.1844% | 7,099 |
| Noninterest income to average assets | 0.2150% | 6,081 |
| Noninterest expense to average assets | 3.3708% | 2,084 |
| Loan and lease loss provision to assets | -0.0555% | 7,146 |
| Net operating income to assets | -0.8254% | 6,961 |
| Return on assets (ROA) | -0.8254% | 6,976 |
| Pretax return on assets | -1.2346% | 7,025 |
| Return on Equity (ROE) | -8.7323% | 6,971 |
| Retained earnings to average equity (ytd only) | -8.7323% | 6,802 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 162.0000% | 77 |
| Assets per employee ($millions) | 2.8338% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8070% | 6,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 14.7472% | 7,203 |
| Net loans and leases to deposits | 16.3786% | 7,223 |
| Net loans and leases to core deposits | 16.4807% | 7,221 |
| Total domestic deposits to total assets | 90.0397% | 1,064 |
| Equity capital to assets | 9.4998% | 4,808 |
| Core capital (leverage) ratio | 7.4523% | 6,662 |
| Tier 1 risk-based capital ratio | 38.2524% | 260 |
| Total risk-based capital ratio | 38.8695% | 269 |
| Memoranda: | ||
| Average total assets | $57,671,500 | 6,123 |
| Average earning assets | $49,258,500 | 6,231 |
| Average equity | $5,451,000 | 6,293 |
| Average total loans | $8,889,500 | 7,103 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8553% | 7,208 |
| Cost of funding earning assets | 0.6026% | 6,080 |
| Net interest margin | 2.2527% | 7,157 |
| Noninterest income to average assets | 0.2271% | 5,909 |
| Noninterest expense to average assets | 3.3363% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.7727% | 6,643 |
| Return on assets (ROA) | -0.7727% | 6,675 |
| Pretax return on assets | -1.1709% | 6,802 |
| Return on Equity (ROE) | -8.2933% | 6,686 |
| Retained earnings to average equity (ytd only) | -8.2933% | 6,634 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.0689% | 131 |
| Assets per employee ($millions) | 2.9334% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8126% | 6,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 15.8127% | 7,254 |
| Net loans and leases to deposits | 17.5581% | 7,272 |
| Net loans and leases to core deposits | 17.7703% | 7,264 |
| Total domestic deposits to total assets | 90.0593% | 966 |
| Equity capital to assets | 9.4055% | 5,013 |
| Core capital (leverage) ratio | 7.4205% | 6,691 |
| Tier 1 risk-based capital ratio | 35.9848% | 310 |
| Total risk-based capital ratio | 36.6119% | 320 |
| Memoranda: | ||
| Average total assets | $59,016,800 | 6,075 |
| Average earning assets | $50,783,200 | 6,164 |
| Average equity | $5,498,400 | 6,294 |
| Average total loans | $9,996,600 | 7,116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8930% | 7,283 |
| Cost of funding earning assets | 0.6283% | 6,139 |
| Net interest margin | 2.2646% | 7,231 |
| Noninterest income to average assets | 0.2256% | 6,002 |
| Noninterest expense to average assets | 3.3319% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.7625% | 6,781 |
| Return on assets (ROA) | -0.7625% | 6,817 |
| Pretax return on assets | -1.1550% | 6,922 |
| Return on Equity (ROE) | -8.2035% | 6,822 |
| Retained earnings to average equity (ytd only) | -8.2035% | 6,774 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.0570% | 125 |
| Assets per employee ($millions) | 2.8333% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 6,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 16.9398% | 7,321 |
| Net loans and leases to deposits | 18.8203% | 7,339 |
| Net loans and leases to core deposits | 19.0421% | 7,336 |
| Total domestic deposits to total assets | 90.0082% | 859 |
| Equity capital to assets | 9.4707% | 5,130 |
| Core capital (leverage) ratio | 7.7331% | 6,610 |
| Tier 1 risk-based capital ratio | 35.4983% | 333 |
| Total risk-based capital ratio | 36.0831% | 354 |
| Memoranda: | ||
| Average total assets | $59,104,000 | 6,119 |
| Average earning assets | $50,927,000 | 6,205 |
| Average equity | $5,493,500 | 6,341 |
| Average total loans | $10,157,500 | 7,183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9107% | 7,360 |
| Cost of funding earning assets | 0.6629% | 6,157 |
| Net interest margin | 2.2477% | 7,301 |
| Noninterest income to average assets | 0.2306% | 6,005 |
| Noninterest expense to average assets | 3.3677% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.7868% | 6,861 |
| Return on assets (ROA) | -0.7868% | 6,874 |
| Pretax return on assets | -1.1938% | 6,964 |
| Return on Equity (ROE) | -8.5195% | 6,882 |
| Retained earnings to average equity (ytd only) | -8.5195% | 6,799 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.9142% | 133 |
| Assets per employee ($millions) | 2.9659% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 6,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 17.1533% | 7,399 |
| Net loans and leases to deposits | 19.0052% | 7,410 |
| Net loans and leases to core deposits | 19.2271% | 7,409 |
| Total domestic deposits to total assets | 90.2559% | 835 |
| Equity capital to assets | 9.2434% | 5,212 |
| Core capital (leverage) ratio | 7.9480% | 6,358 |
| Tier 1 risk-based capital ratio | 34.6380% | 361 |
| Total risk-based capital ratio | 35.1972% | 376 |
| Memoranda: | ||
| Average total assets | $58,972,330 | 6,172 |
| Average earning assets | $50,985,000 | 6,257 |
| Average equity | $5,446,330 | 6,388 |
| Average total loans | $10,158,330 | 7,255 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8893% | 7,421 |
| Cost of funding earning assets | 0.6849% | 6,225 |
| Net interest margin | 2.2044% | 7,354 |
| Noninterest income to average assets | 0.2313% | 6,063 |
| Noninterest expense to average assets | 3.4082% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8367% | 6,975 |
| Return on assets (ROA) | -0.8367% | 6,981 |
| Pretax return on assets | -1.2721% | 7,087 |
| Return on Equity (ROE) | -9.0641% | 6,999 |
| Retained earnings to average equity (ytd only) | -9.0641% | 6,822 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.5541% | 125 |
| Assets per employee ($millions) | 2.8990% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 7,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 18.1425% | 7,449 |
| Net loans and leases to deposits | 20.0886% | 7,468 |
| Net loans and leases to core deposits | 20.3262% | 7,460 |
| Total domestic deposits to total assets | 90.3122% | 957 |
| Equity capital to assets | 9.2670% | 4,788 |
| Core capital (leverage) ratio | 8.0085% | 6,248 |
| Tier 1 risk-based capital ratio | 21.5608% | 1,306 |
| Total risk-based capital ratio | 21.9099% | 1,428 |
| Memoranda: | ||
| Average total assets | $58,799,500 | 6,229 |
| Average earning assets | $50,808,500 | 6,310 |
| Average equity | $5,428,000 | 6,408 |
| Average total loans | $10,112,000 | 7,315 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6368% | 7,533 |
| Cost of funding earning assets | 0.7555% | 6,719 |
| Net interest margin | 1.8813% | 7,485 |
| Noninterest income to average assets | 0.2518% | 5,999 |
| Noninterest expense to average assets | 3.3382% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.9547% | 6,651 |
| Return on assets (ROA) | -0.9547% | 6,694 |
| Pretax return on assets | -1.4469% | 6,839 |
| Return on Equity (ROE) | -10.0055% | 6,729 |
| Retained earnings to average equity (ytd only) | -10.0055% | 6,663 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.5013% | 126 |
| Assets per employee ($millions) | 2.8390% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7893% | 6,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 16.0234% | 7,554 |
| Net loans and leases to deposits | 17.7555% | 7,569 |
| Net loans and leases to core deposits | 17.9578% | 7,560 |
| Total domestic deposits to total assets | 90.2447% | 957 |
| Equity capital to assets | 9.1967% | 4,846 |
| Core capital (leverage) ratio | 7.8419% | 6,387 |
| Tier 1 risk-based capital ratio | 29.0097% | 544 |
| Total risk-based capital ratio | 29.4752% | 575 |
| Memoranda: | ||
| Average total assets | $60,751,800 | 6,164 |
| Average earning assets | $52,943,400 | 6,255 |
| Average equity | $5,796,800 | 6,433 |
| Average total loans | $10,039,400 | 7,395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6859% | 7,661 |
| Cost of funding earning assets | 0.7653% | 6,863 |
| Net interest margin | 1.9207% | 7,599 |
| Noninterest income to average assets | 0.2556% | 6,072 |
| Noninterest expense to average assets | 3.3335% | 2,471 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.9262% | 6,860 |
| Return on assets (ROA) | -0.9262% | 6,901 |
| Pretax return on assets | -1.4003% | 7,015 |
| Return on Equity (ROE) | -9.6221% | 6,913 |
| Retained earnings to average equity (ytd only) | -9.6221% | 6,859 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.4294% | 131 |
| Assets per employee ($millions) | 2.8804% | 6,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 7,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 16.0707% | 7,655 |
| Net loans and leases to deposits | 17.8459% | 7,674 |
| Net loans and leases to core deposits | 18.0446% | 7,665 |
| Total domestic deposits to total assets | 90.0527% | 850 |
| Equity capital to assets | 9.4116% | 4,969 |
| Core capital (leverage) ratio | 8.1078% | 6,183 |
| Tier 1 risk-based capital ratio | 27.4710% | 662 |
| Total risk-based capital ratio | 27.8865% | 704 |
| Memoranda: | ||
| Average total assets | $61,035,000 | 6,229 |
| Average earning assets | $53,313,500 | 6,314 |
| Average equity | $5,875,250 | 6,491 |
| Average total loans | $10,142,000 | 7,488 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7620% | 7,731 |
| Cost of funding earning assets | 0.7747% | 6,991 |
| Net interest margin | 1.9873% | 7,648 |
| Noninterest income to average assets | 0.2483% | 6,134 |
| Noninterest expense to average assets | 3.3977% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.9474% | 6,926 |
| Return on assets (ROA) | -0.9474% | 6,941 |
| Pretax return on assets | -1.4146% | 7,051 |
| Return on Equity (ROE) | -9.7709% | 6,958 |
| Retained earnings to average equity (ytd only) | -9.7709% | 6,904 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.3344% | 149 |
| Assets per employee ($millions) | 3.0280% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7534% | 7,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 16.5324% | 7,722 |
| Net loans and leases to deposits | 18.4119% | 7,739 |
| Net loans and leases to core deposits | 18.6152% | 7,731 |
| Total domestic deposits to total assets | 89.7919% | 1,027 |
| Equity capital to assets | 9.7028% | 4,405 |
| Core capital (leverage) ratio | 8.6416% | 5,173 |
| Tier 1 risk-based capital ratio | 27.5716% | 662 |
| Total risk-based capital ratio | 27.9700% | 709 |
| Memoranda: | ||
| Average total assets | $61,217,000 | 6,257 |
| Average earning assets | $53,439,000 | 6,349 |
| Average equity | $5,936,000 | 6,488 |
| Average total loans | $10,257,000 | 7,539 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8135% | 7,834 |
| Cost of funding earning assets | 0.7795% | 7,147 |
| Net interest margin | 2.0340% | 7,712 |
| Noninterest income to average assets | 0.2470% | 6,179 |
| Noninterest expense to average assets | 3.4641% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.9684% | 7,088 |
| Return on assets (ROA) | -0.9684% | 7,116 |
| Pretax return on assets | -1.4363% | 7,238 |
| Return on Equity (ROE) | -9.9899% | 7,143 |
| Retained earnings to average equity (ytd only) | -9.9899% | 6,969 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.8333% | 143 |
| Assets per employee ($millions) | 3.3493% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 7,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 16.7314% | 7,814 |
| Net loans and leases to deposits | 18.6344% | 7,839 |
| Net loans and leases to core deposits | 18.8391% | 7,827 |
| Total domestic deposits to total assets | 89.7874% | 1,090 |
| Equity capital to assets | 9.8046% | 4,100 |
| Core capital (leverage) ratio | 9.0494% | 4,476 |
| Tier 1 risk-based capital ratio | 25.4022% | 823 |
| Total risk-based capital ratio | 25.7526% | 893 |
| Memoranda: | ||
| Average total assets | $61,545,500 | 6,324 |
| Average earning assets | $53,883,000 | 6,394 |
| Average equity | $5,966,000 | 6,529 |
| Average total loans | $10,341,500 | 7,635 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6918% | 7,784 |
| Cost of funding earning assets | 0.9215% | 7,359 |
| Net interest margin | 2.7703% | 7,107 |
| Noninterest income to average assets | 0.3129% | 5,842 |
| Noninterest expense to average assets | 3.2670% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.0867% | 5,655 |
| Return on assets (ROA) | -0.0867% | 5,667 |
| Pretax return on assets | -0.5102% | 6,017 |
| Return on Equity (ROE) | -0.8518% | 5,674 |
| Retained earnings to average equity (ytd only) | -0.8518% | 5,213 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5071% | 630 |
| Assets per employee ($millions) | 2.9906% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 7,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 16.6298% | 7,898 |
| Net loans and leases to deposits | 18.5404% | 7,920 |
| Net loans and leases to core deposits | 20.3937% | 7,920 |
| Total domestic deposits to total assets | 89.6948% | 1,111 |
| Equity capital to assets | 9.5871% | 4,286 |
| Core capital (leverage) ratio | 9.1548% | 4,191 |
| Tier 1 risk-based capital ratio | 20.6467% | 1,352 |
| Total risk-based capital ratio | 20.9257% | 1,490 |
| Memoranda: | ||
| Average total assets | $58,800,400 | 6,396 |
| Average earning assets | $51,871,400 | 6,468 |
| Average equity | $5,987,200 | 6,608 |
| Average total loans | $11,358,800 | 7,639 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 7,837 |
| Cost of funding earning assets | 0.9529% | 7,479 |
| Net interest margin | 2.9372% | 6,758 |
| Noninterest income to average assets | 0.3183% | 5,933 |
| Noninterest expense to average assets | 3.2987% | 2,928 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.3921% | 6,312 |
| Return on assets (ROA) | -0.3921% | 6,308 |
| Pretax return on assets | -0.3921% | 6,190 |
| Return on Equity (ROE) | -3.7911% | 6,320 |
| Retained earnings to average equity (ytd only) | -3.7911% | 6,077 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4921% | 705 |
| Assets per employee ($millions) | 3.3429% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 7,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 18.0865% | 7,968 |
| Net loans and leases to deposits | 20.3276% | 7,991 |
| Net loans and leases to core deposits | 22.2483% | 7,985 |
| Total domestic deposits to total assets | 88.9749% | 1,209 |
| Equity capital to assets | 9.9515% | 4,151 |
| Core capital (leverage) ratio | 9.3660% | 4,094 |
| Tier 1 risk-based capital ratio | 20.1602% | 1,525 |
| Total risk-based capital ratio | 20.4345% | 1,673 |
| Memoranda: | ||
| Average total assets | $57,799,750 | 6,475 |
| Average earning assets | $50,931,750 | 6,541 |
| Average equity | $5,978,750 | 6,669 |
| Average total loans | $11,568,500 | 7,697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 7,900 |
| Cost of funding earning assets | 0.9872% | 7,569 |
| Net interest margin | 3.0374% | 6,443 |
| Noninterest income to average assets | 0.3228% | 5,929 |
| Noninterest expense to average assets | 3.2802% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2912% | 6,317 |
| Return on assets (ROA) | -0.2912% | 6,332 |
| Pretax return on assets | -0.2912% | 6,228 |
| Return on Equity (ROE) | -2.7779% | 6,336 |
| Retained earnings to average equity (ytd only) | -2.7779% | 5,927 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7418% | 856 |
| Assets per employee ($millions) | 3.1932% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 7,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 19.8845% | 8,035 |
| Net loans and leases to deposits | 22.4649% | 8,065 |
| Net loans and leases to core deposits | 24.5310% | 8,065 |
| Total domestic deposits to total assets | 88.5137% | 1,524 |
| Equity capital to assets | 10.4146% | 3,502 |
| Core capital (leverage) ratio | 9.8880% | 3,410 |
| Tier 1 risk-based capital ratio | 21.5041% | 1,326 |
| Total risk-based capital ratio | 21.7920% | 1,438 |
| Memoranda: | ||
| Average total assets | $57,009,000 | 6,555 |
| Average earning assets | $50,042,670 | 6,630 |
| Average equity | $5,975,670 | 6,727 |
| Average total loans | $11,771,670 | 7,760 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 7,923 |
| Cost of funding earning assets | 0.9701% | 7,720 |
| Net interest margin | 3.1830% | 5,912 |
| Noninterest income to average assets | 0.3382% | 5,752 |
| Noninterest expense to average assets | 3.2761% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1409% | 6,470 |
| Return on assets (ROA) | -0.1409% | 6,574 |
| Pretax return on assets | -0.1409% | 6,513 |
| Return on Equity (ROE) | -1.3399% | 6,592 |
| Retained earnings to average equity (ytd only) | -1.3399% | 5,971 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4944% | 967 |
| Assets per employee ($millions) | 2.8066% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6542% | 7,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 20.5608% | 8,076 |
| Net loans and leases to deposits | 23.2742% | 8,113 |
| Net loans and leases to core deposits | 24.8965% | 8,116 |
| Total domestic deposits to total assets | 88.3416% | 1,556 |
| Equity capital to assets | 10.6608% | 3,318 |
| Core capital (leverage) ratio | 10.1265% | 3,267 |
| Tier 1 risk-based capital ratio | 20.7868% | 1,480 |
| Total risk-based capital ratio | 21.0622% | 1,609 |
| Memoranda: | ||
| Average total assets | $56,775,000 | 6,589 |
| Average earning assets | $49,889,500 | 6,665 |
| Average equity | $5,970,500 | 6,777 |
| Average total loans | $11,905,000 | 7,808 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 7,936 |
| Cost of funding earning assets | 1.2690% | 7,874 |
| Net interest margin | 3.5561% | 5,071 |
| Noninterest income to average assets | 0.3163% | 6,189 |
| Noninterest expense to average assets | 3.4266% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0018% | 6,363 |
| Return on assets (ROA) | 0.0018% | 6,227 |
| Pretax return on assets | 0.0018% | 6,150 |
| Return on Equity (ROE) | 0.0170% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.0170% | 5,228 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9487% | 987 |
| Assets per employee ($millions) | 2.6100% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6233% | 7,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 21.1028% | 8,140 |
| Net loans and leases to deposits | 23.8327% | 8,173 |
| Net loans and leases to core deposits | 25.6738% | 8,174 |
| Total domestic deposits to total assets | 88.5456% | 1,228 |
| Equity capital to assets | 10.3746% | 3,639 |
| Core capital (leverage) ratio | 10.2056% | 3,260 |
| Tier 1 risk-based capital ratio | 20.5424% | 1,528 |
| Total risk-based capital ratio | 20.8136% | 1,647 |
| Memoranda: | ||
| Average total assets | $56,908,400 | 6,496 |
| Average earning assets | $49,802,000 | 6,597 |
| Average equity | $5,872,000 | 6,847 |
| Average total loans | $12,703,200 | 7,787 |