Home > Tustin Community Bank > Performance and Condition Ratios
Tustin Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4492% | 106 |
| Cost of funding earning assets | 2.7482% | 543 |
| Net interest margin | 5.7010% | 123 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 4.4023% | 304 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 0.7246% | 3,042 |
| Return on assets (ROA) | 0.7246% | 3,048 |
| Pretax return on assets | 0.7494% | 3,302 |
| Return on Equity (ROE) | 5.1200% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.0506% | 3,080 |
| Net charge-offs to loans | 0.2521% | 458 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 4.7750% | 1,941 |
| Efficiency ratio | 82.2820% | 805 |
| Assets per employee ($millions) | 3.8970% | 4,131 |
| Cash dividends to net income (ytd only)* | 40.4110% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4829% | 111 |
| Loan loss allowance to noncurrent loans | 16,692.3077% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,634 |
| Noncurrent loans to loans | 0.0209% | 3,614 |
| Net loans and leases to total assets | 73.4800% | 1,402 |
| Net loans and leases to deposits | 88.7744% | 1,229 |
| Net loans and leases to core deposits | 103.7383% | 1,151 |
| Total domestic deposits to total assets | 82.7700% | 3,160 |
| Equity capital to assets | 13.9926% | 702 |
| Core capital (leverage) ratio | 14.1982% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $80,595,000 | 3,939 |
| Average earning assets | $72,338,500 | 3,944 |
| Average equity | $11,407,500 | 3,667 |
| Average total loans | $63,458,000 | 3,661 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8132% | 103 |
| Cost of funding earning assets | 2.4728% | 1,207 |
| Net interest margin | 6.3404% | 78 |
| Noninterest income to average assets | 0.2500% | 3,380 |
| Noninterest expense to average assets | 4.7638% | 262 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 0.8928% | 2,411 |
| Return on assets (ROA) | 0.8928% | 2,415 |
| Pretax return on assets | 0.9247% | 2,737 |
| Return on Equity (ROE) | 6.1800% | 3,238 |
| Retained earnings to average equity (ytd only) | 0.6705% | 3,759 |
| Net charge-offs to loans | 0.2818% | 537 |
| Credit loss provision to net charge-offs | 100.0000% | 1,885 |
| Earnings coverage of net charge-offs (x) | 5.1193% | 2,606 |
| Efficiency ratio | 80.5651% | 1,008 |
| Assets per employee ($millions) | 3.7788% | 4,148 |
| Cash dividends to net income (ytd only)* | 89.1429% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3585% | 123 |
| Loan loss allowance to noncurrent loans | 12,764.7059% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,564 |
| Noncurrent loans to loans | 0.0263% | 3,558 |
| Net loans and leases to total assets | 78.6900% | 813 |
| Net loans and leases to deposits | 101.6391% | 422 |
| Net loans and leases to core deposits | 115.1387% | 756 |
| Total domestic deposits to total assets | 77.4200% | 3,837 |
| Equity capital to assets | 14.3206% | 638 |
| Core capital (leverage) ratio | 13.9354% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $78,404,200 | 3,968 |
| Average earning assets | $70,042,600 | 3,975 |
| Average equity | $11,334,200 | 3,652 |
| Average total loans | $62,464,400 | 3,659 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7390% | 107 |
| Cost of funding earning assets | 2.3750% | 1,388 |
| Net interest margin | 6.3639% | 78 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 4.7470% | 257 |
| Loan and lease loss provision to assets | 0.2400% | 464 |
| Net operating income to assets | 0.9194% | 2,314 |
| Return on assets (ROA) | 0.9194% | 2,318 |
| Pretax return on assets | 0.9518% | 2,683 |
| Return on Equity (ROE) | 6.3400% | 3,229 |
| Retained earnings to average equity (ytd only) | 0.8358% | 3,768 |
| Net charge-offs to loans | 0.3057% | 419 |
| Credit loss provision to net charge-offs | 100.0000% | 1,657 |
| Earnings coverage of net charge-offs (x) | 4.9296% | 2,406 |
| Efficiency ratio | 79.9024% | 1,085 |
| Assets per employee ($millions) | 3.9107% | 4,149 |
| Cash dividends to net income (ytd only)* | 86.8275% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2923% | 134 |
| Loan loss allowance to noncurrent loans | 36,166.6667% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,745 |
| Noncurrent loans to loans | 0.0091% | 3,729 |
| Net loans and leases to total assets | 77.6200% | 907 |
| Net loans and leases to deposits | 99.5440% | 514 |
| Net loans and leases to core deposits | 113.5594% | 807 |
| Total domestic deposits to total assets | 77.9700% | 3,731 |
| Equity capital to assets | 13.8303% | 767 |
| Core capital (leverage) ratio | 14.0127% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $78,166,750 | 3,990 |
| Average earning assets | $69,892,000 | 3,995 |
| Average equity | $11,326,750 | 3,663 |
| Average total loans | $61,927,500 | 3,682 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6670% | 113 |
| Cost of funding earning assets | 2.1996% | 1,644 |
| Net interest margin | 6.4674% | 69 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 4.7835% | 251 |
| Loan and lease loss provision to assets | 0.2600% | 402 |
| Net operating income to assets | 0.9421% | 2,180 |
| Return on assets (ROA) | 0.9421% | 2,184 |
| Pretax return on assets | 0.9760% | 2,549 |
| Return on Equity (ROE) | 6.4000% | 3,163 |
| Retained earnings to average equity (ytd only) | 1.8557% | 3,395 |
| Net charge-offs to loans | 0.3267% | 345 |
| Credit loss provision to net charge-offs | 100.0000% | 1,486 |
| Earnings coverage of net charge-offs (x) | 4.7879% | 2,249 |
| Efficiency ratio | 79.4983% | 1,174 |
| Assets per employee ($millions) | 3.8256% | 4,180 |
| Cash dividends to net income (ytd only)* | 70.9945% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3673% | 133 |
| Loan loss allowance to noncurrent loans | 16,692.3077% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,628 |
| Noncurrent loans to loans | 0.0202% | 3,635 |
| Net loans and leases to total assets | 77.5100% | 962 |
| Net loans and leases to deposits | 100.7588% | 512 |
| Net loans and leases to core deposits | 115.2859% | 786 |
| Total domestic deposits to total assets | 76.9300% | 3,809 |
| Equity capital to assets | 14.1801% | 647 |
| Core capital (leverage) ratio | 14.7658% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $76,847,667 | 4,019 |
| Average earning assets | $68,466,333 | 4,029 |
| Average equity | $11,316,333 | 3,648 |
| Average total loans | $60,599,333 | 3,710 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6631% | 117 |
| Cost of funding earning assets | 2.0310% | 1,916 |
| Net interest margin | 6.6321% | 68 |
| Noninterest income to average assets | 0.2700% | 3,153 |
| Noninterest expense to average assets | 4.8361% | 244 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.0013% | 1,926 |
| Return on assets (ROA) | 1.0013% | 1,935 |
| Pretax return on assets | 1.0386% | 2,286 |
| Return on Equity (ROE) | 6.6700% | 3,041 |
| Retained earnings to average equity (ytd only) | -0.6029% | 3,806 |
| Net charge-offs to loans | 0.3681% | 246 |
| Credit loss provision to net charge-offs | 100.0000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 4.6111% | 1,895 |
| Efficiency ratio | 78.4788% | 1,311 |
| Assets per employee ($millions) | 3.4002% | 4,299 |
| Cash dividends to net income (ytd only)* | 109.0426% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7044% | 70 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,413 |
| Noncurrent loans to loans | 0.0529% | 3,376 |
| Net loans and leases to total assets | 75.4100% | 1,152 |
| Net loans and leases to deposits | 94.2254% | 847 |
| Net loans and leases to core deposits | 106.2356% | 1,093 |
| Total domestic deposits to total assets | 80.0300% | 3,516 |
| Equity capital to assets | 15.0660% | 548 |
| Core capital (leverage) ratio | 15.1458% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $75,102,500 | 4,057 |
| Average earning assets | $66,766,000 | 4,067 |
| Average equity | $11,278,500 | 3,656 |
| Average total loans | $58,677,000 | 3,739 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0965% | 115 |
| Cost of funding earning assets | 1.2619% | 2,624 |
| Net interest margin | 6.8346% | 62 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 4.9620% | 232 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.1584% | 1,756 |
| Return on assets (ROA) | 1.1584% | 1,731 |
| Pretax return on assets | 1.1999% | 2,140 |
| Return on Equity (ROE) | 7.8900% | 3,053 |
| Retained earnings to average equity (ytd only) | 0.1769% | 4,006 |
| Net charge-offs to loans | 0.3167% | 344 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 6.3721% | 2,473 |
| Efficiency ratio | 77.7100% | 1,090 |
| Assets per employee ($millions) | 3.4273% | 4,304 |
| Cash dividends to net income (ytd only)* | 97.7578% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6920% | 68 |
| 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 | 75.0700% | 1,231 |
| Net loans and leases to deposits | 93.6843% | 963 |
| Net loans and leases to core deposits | 103.8148% | 1,227 |
| Total domestic deposits to total assets | 80.1300% | 3,441 |
| Equity capital to assets | 14.9693% | 554 |
| Core capital (leverage) ratio | 15.2731% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $77,005,000 | 4,046 |
| Average earning assets | $68,387,400 | 4,051 |
| Average equity | $11,306,200 | 3,590 |
| Average total loans | $54,318,400 | 3,785 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9384% | 114 |
| Cost of funding earning assets | 1.1000% | 2,740 |
| Net interest margin | 6.8384% | 58 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 4.8832% | 230 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.2281% | 1,706 |
| Return on assets (ROA) | 1.2281% | 1,705 |
| Pretax return on assets | 1.2729% | 2,113 |
| Return on Equity (ROE) | 8.4000% | 3,089 |
| Retained earnings to average equity (ytd only) | 0.4126% | 4,056 |
| Net charge-offs to loans | 0.3333% | 268 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 6.5564% | 2,281 |
| Efficiency ratio | 76.4769% | 1,134 |
| Assets per employee ($millions) | 3.4236% | 4,336 |
| Cash dividends to net income (ytd only)* | 95.0912% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8941% | 59 |
| Loan loss allowance to noncurrent loans | 11,421.0526% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,559 |
| Noncurrent loans to loans | 0.0341% | 3,524 |
| Net loans and leases to total assets | 71.1100% | 1,680 |
| Net loans and leases to deposits | 84.6615% | 1,682 |
| Net loans and leases to core deposits | 95.9218% | 1,553 |
| Total domestic deposits to total assets | 83.9900% | 2,778 |
| Equity capital to assets | 15.0055% | 538 |
| Core capital (leverage) ratio | 15.0063% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $77,406,000 | 4,054 |
| Average earning assets | $68,845,000 | 4,067 |
| Average equity | $11,311,000 | 3,592 |
| Average total loans | $53,204,250 | 3,805 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7813% | 115 |
| Cost of funding earning assets | 1.0148% | 2,553 |
| Net interest margin | 6.7665% | 60 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 4.7835% | 235 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.2497% | 1,695 |
| Return on assets (ROA) | 1.2497% | 1,689 |
| Pretax return on assets | 1.2957% | 2,095 |
| Return on Equity (ROE) | 8.6300% | 3,078 |
| Retained earnings to average equity (ytd only) | 2.1389% | 3,695 |
| Net charge-offs to loans | 0.3552% | 239 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 6.4409% | 2,124 |
| Efficiency ratio | 75.7195% | 1,198 |
| Assets per employee ($millions) | 3.5307% | 4,340 |
| Cash dividends to net income (ytd only)* | 75.2049% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9401% | 64 |
| Loan loss allowance to noncurrent loans | 54,250.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 3,822 |
| Noncurrent loans to loans | 0.0073% | 3,752 |
| Net loans and leases to total assets | 68.1100% | 1,948 |
| Net loans and leases to deposits | 80.7032% | 1,920 |
| Net loans and leases to core deposits | 90.2508% | 1,781 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 14.6611% | 554 |
| Core capital (leverage) ratio | 14.8071% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $78,101,667 | 4,068 |
| Average earning assets | $69,371,000 | 4,083 |
| Average equity | $11,314,000 | 3,601 |
| Average total loans | $52,363,667 | 3,827 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4898% | 82 |
| Cost of funding earning assets | 0.9033% | 2,357 |
| Net interest margin | 6.5864% | 67 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 4.7705% | 248 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.1441% | 2,088 |
| Return on assets (ROA) | 1.1441% | 2,055 |
| Pretax return on assets | 1.1850% | 2,462 |
| Return on Equity (ROE) | 7.9500% | 3,304 |
| Retained earnings to average equity (ytd only) | 0.7094% | 3,906 |
| Net charge-offs to loans | 0.3607% | 221 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 6.0435% | 1,793 |
| Efficiency ratio | 77.0627% | 1,079 |
| Assets per employee ($millions) | 3.6020% | 4,388 |
| Cash dividends to net income (ytd only)* | 91.0714% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1958% | 56 |
| Loan loss allowance to noncurrent loans | 12,055.5556% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,569 |
| Noncurrent loans to loans | 0.0348% | 3,496 |
| Net loans and leases to total assets | 62.5300% | 2,411 |
| Net loans and leases to deposits | 73.6609% | 2,322 |
| Net loans and leases to core deposits | 81.2755% | 2,159 |
| Total domestic deposits to total assets | 84.8800% | 2,884 |
| Equity capital to assets | 14.2432% | 561 |
| Core capital (leverage) ratio | 14.5286% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $78,315,000 | 4,125 |
| Average earning assets | $69,962,000 | 4,131 |
| Average equity | $11,277,000 | 3,646 |
| Average total loans | $51,008,000 | 3,893 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7297% | 119 |
| Cost of funding earning assets | 0.3834% | 2,233 |
| Net interest margin | 5.3463% | 100 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 4.0766% | 317 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 0.8279% | 3,227 |
| Return on assets (ROA) | 0.8279% | 3,153 |
| Pretax return on assets | 0.8584% | 3,465 |
| Return on Equity (ROE) | 6.5400% | 3,724 |
| Retained earnings to average equity (ytd only) | -0.6051% | 4,410 |
| Net charge-offs to loans | 0.4206% | 181 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 4.5607% | 2,412 |
| Efficiency ratio | 78.7595% | 804 |
| Assets per employee ($millions) | 3.6850% | 4,391 |
| Cash dividends to net income (ytd only)* | 109.2517% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3143% | 55 |
| Loan loss allowance to noncurrent loans | 21,700.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,750 |
| Noncurrent loans to loans | 0.0199% | 3,671 |
| Net loans and leases to total assets | 62.1900% | 2,413 |
| Net loans and leases to deposits | 73.4375% | 2,297 |
| Net loans and leases to core deposits | 82.1045% | 2,001 |
| Total domestic deposits to total assets | 84.6900% | 3,061 |
| Equity capital to assets | 14.5597% | 520 |
| Core capital (leverage) ratio | 13.6101% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $88,774,000 | 4,029 |
| Average earning assets | $80,073,800 | 4,036 |
| Average equity | $11,238,200 | 3,741 |
| Average total loans | $50,878,000 | 3,877 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 147 |
| Cost of funding earning assets | 0.3091% | 2,068 |
| Net interest margin | 4.9728% | 123 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 3.9044% | 348 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 0.7072% | 3,549 |
| Return on assets (ROA) | 0.7072% | 3,501 |
| Pretax return on assets | 0.7334% | 3,727 |
| Return on Equity (ROE) | 5.7700% | 3,837 |
| Retained earnings to average equity (ytd only) | -1.3415% | 4,448 |
| Net charge-offs to loans | 0.3946% | 159 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 4.3377% | 2,178 |
| Efficiency ratio | 80.3775% | 755 |
| Assets per employee ($millions) | 4.0896% | 4,279 |
| Cash dividends to net income (ytd only)* | 123.2510% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6004% | 47 |
| Loan loss allowance to noncurrent loans | 21,700.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,866 |
| Noncurrent loans to loans | 0.0212% | 3,757 |
| Net loans and leases to total assets | 50.0200% | 3,457 |
| Net loans and leases to deposits | 57.6568% | 3,364 |
| Net loans and leases to core deposits | 62.1779% | 3,235 |
| Total domestic deposits to total assets | 86.7500% | 2,839 |
| Equity capital to assets | 12.4729% | 776 |
| Core capital (leverage) ratio | 12.4221% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $91,621,250 | 4,024 |
| Average earning assets | $82,822,500 | 4,037 |
| Average equity | $11,231,000 | 3,786 |
| Average total loans | $51,023,000 | 3,898 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 173 |
| Cost of funding earning assets | 0.2597% | 2,145 |
| Net interest margin | 4.7332% | 146 |
| Noninterest income to average assets | 0.3689% | 2,938 |
| Noninterest expense to average assets | 3.7539% | 336 |
| Loan and lease loss provision to assets | 0.2126% | 377 |
| Net operating income to assets | 0.6488% | 3,477 |
| Return on assets (ROA) | 0.6488% | 3,425 |
| Pretax return on assets | 0.6727% | 3,648 |
| Return on Equity (ROE) | 5.3231% | 3,747 |
| Retained earnings to average equity (ytd only) | -2.6705% | 4,432 |
| Net charge-offs to loans | 0.3747% | 184 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 4.1633% | 1,967 |
| Efficiency ratio | 80.9167% | 878 |
| Assets per employee ($millions) | 4.1716% | 4,284 |
| Cash dividends to net income (ytd only)* | 150.1672% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2120% | 60 |
| Loan loss allowance to noncurrent loans | 9,041.6667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,725 |
| Noncurrent loans to loans | 0.0466% | 3,598 |
| Net loans and leases to total assets | 53.7728% | 2,987 |
| Net loans and leases to deposits | 61.7060% | 2,912 |
| Net loans and leases to core deposits | 66.9407% | 2,748 |
| Total domestic deposits to total assets | 87.1436% | 2,887 |
| Equity capital to assets | 12.1874% | 822 |
| Core capital (leverage) ratio | 12.3916% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,171,333 | 4,064 |
| Average earning assets | $83,157,667 | 4,085 |
| Average equity | $11,234,000 | 3,860 |
| Average total loans | $52,307,333 | 3,922 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 189 |
| Cost of funding earning assets | 0.2437% | 2,229 |
| Net interest margin | 4.5827% | 160 |
| Noninterest income to average assets | 0.3464% | 3,022 |
| Noninterest expense to average assets | 3.6549% | 364 |
| Loan and lease loss provision to assets | 0.1256% | 661 |
| Net operating income to assets | 0.6929% | 3,084 |
| Return on assets (ROA) | 0.6929% | 3,073 |
| Pretax return on assets | 0.7189% | 3,339 |
| Return on Equity (ROE) | 5.6846% | 3,431 |
| Retained earnings to average equity (ytd only) | -5.4004% | 4,432 |
| Net charge-offs to loans | 0.2201% | 283 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 6.7241% | 1,562 |
| Efficiency ratio | 81.2320% | 1,052 |
| Assets per employee ($millions) | 4.8989% | 3,838 |
| Cash dividends to net income (ytd only)* | 195.0000% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2621% | 63 |
| Loan loss allowance to noncurrent loans | 15,500.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 3,919 |
| Noncurrent loans to loans | 0.0275% | 3,797 |
| Net loans and leases to total assets | 49.7499% | 3,200 |
| Net loans and leases to deposits | 56.5554% | 3,212 |
| Net loans and leases to core deposits | 61.3479% | 3,036 |
| Total domestic deposits to total assets | 87.9667% | 2,537 |
| Equity capital to assets | 11.4128% | 1,154 |
| Core capital (leverage) ratio | 12.8216% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,369,500 | 4,075 |
| Average earning assets | $83,705,500 | 4,091 |
| Average equity | $11,258,500 | 3,931 |
| Average total loans | $52,701,000 | 3,931 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2343% | 67 |
| Cost of funding earning assets | 0.3676% | 1,780 |
| Net interest margin | 5.8668% | 58 |
| Noninterest income to average assets | 0.3823% | 3,155 |
| Noninterest expense to average assets | 3.9641% | 297 |
| Loan and lease loss provision to assets | 0.1359% | 897 |
| Net operating income to assets | 1.5025% | 1,007 |
| Return on assets (ROA) | 1.5025% | 1,057 |
| Pretax return on assets | 1.5566% | 1,552 |
| Return on Equity (ROE) | 11.7156% | 1,912 |
| Retained earnings to average equity (ytd only) | 2.9087% | 3,673 |
| Net charge-offs to loans | 0.1942% | 503 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 12.4576% | 2,112 |
| Efficiency ratio | 70.0794% | 1,723 |
| Assets per employee ($millions) | 3.9437% | 4,444 |
| Cash dividends to net income (ytd only)* | 75.1724% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9825% | 68 |
| Loan loss allowance to noncurrent loans | 108,500.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,177 |
| Noncurrent loans to loans | 0.0037% | 4,094 |
| Net loans and leases to total assets | 60.3013% | 2,131 |
| Net loans and leases to deposits | 69.8869% | 2,143 |
| Net loans and leases to core deposits | 76.8693% | 1,851 |
| Total domestic deposits to total assets | 86.2842% | 2,811 |
| Equity capital to assets | 13.0646% | 879 |
| Core capital (leverage) ratio | 13.0694% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,853,600 | 4,135 |
| Average earning assets | $78,083,800 | 4,154 |
| Average equity | $11,139,000 | 4,020 |
| Average total loans | $60,762,600 | 3,802 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2164% | 73 |
| Cost of funding earning assets | 0.3933% | 1,754 |
| Net interest margin | 5.8231% | 68 |
| Noninterest income to average assets | 0.3745% | 3,234 |
| Noninterest expense to average assets | 3.8291% | 335 |
| Loan and lease loss provision to assets | 0.2452% | 380 |
| Net operating income to assets | 1.4718% | 1,335 |
| Return on assets (ROA) | 1.4718% | 1,386 |
| Pretax return on assets | 1.5255% | 1,918 |
| Return on Equity (ROE) | 11.5296% | 2,202 |
| Retained earnings to average equity (ytd only) | 3.0898% | 3,878 |
| Net charge-offs to loans | 0.3422% | 226 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 7.2125% | 2,149 |
| Efficiency ratio | 68.3749% | 1,781 |
| Assets per employee ($millions) | 4.0058% | 4,449 |
| Cash dividends to net income (ytd only)* | 73.2013% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6971% | 86 |
| Loan loss allowance to noncurrent loans | 12,764.7059% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,071 |
| Noncurrent loans to loans | 0.0290% | 3,990 |
| Net loans and leases to total assets | 64.1393% | 1,755 |
| Net loans and leases to deposits | 74.7504% | 1,785 |
| Net loans and leases to core deposits | 82.1391% | 1,560 |
| Total domestic deposits to total assets | 85.8046% | 2,822 |
| Equity capital to assets | 12.7872% | 1,056 |
| Core capital (leverage) ratio | 13.2194% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,876,750 | 4,182 |
| Average earning assets | $77,963,500 | 4,207 |
| Average equity | $11,090,000 | 4,077 |
| Average total loans | $62,331,250 | 3,830 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1649% | 80 |
| Cost of funding earning assets | 0.4139% | 1,770 |
| Net interest margin | 5.7510% | 74 |
| Noninterest income to average assets | 0.4025% | 3,100 |
| Noninterest expense to average assets | 3.7543% | 349 |
| Loan and lease loss provision to assets | 0.3701% | 195 |
| Net operating income to assets | 1.4018% | 1,561 |
| Return on assets (ROA) | 1.4018% | 1,628 |
| Pretax return on assets | 1.4527% | 2,163 |
| Return on Equity (ROE) | 10.9879% | 2,427 |
| Retained earnings to average equity (ytd only) | 1.7407% | 4,178 |
| Net charge-offs to loans | 0.5036% | 160 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 4.9250% | 2,013 |
| Efficiency ratio | 67.3165% | 1,966 |
| Assets per employee ($millions) | 3.8957% | 4,500 |
| Cash dividends to net income (ytd only)* | 84.1584% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4758% | 99 |
| Loan loss allowance to noncurrent loans | 6,575.7576% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,999 |
| Noncurrent loans to loans | 0.0529% | 3,913 |
| Net loans and leases to total assets | 70.3121% | 1,156 |
| Net loans and leases to deposits | 82.0626% | 1,214 |
| Net loans and leases to core deposits | 92.0423% | 1,003 |
| Total domestic deposits to total assets | 85.6811% | 2,844 |
| Equity capital to assets | 12.9596% | 960 |
| Core capital (leverage) ratio | 12.8004% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,460,000 | 4,211 |
| Average earning assets | $77,795,000 | 4,235 |
| Average equity | $11,030,333 | 4,093 |
| Average total loans | $63,543,667 | 3,840 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1572% | 84 |
| Cost of funding earning assets | 0.4555% | 1,681 |
| Net interest margin | 5.7016% | 80 |
| Noninterest income to average assets | 0.2487% | 3,910 |
| Noninterest expense to average assets | 3.5653% | 427 |
| Loan and lease loss provision to assets | 0.4791% | 143 |
| Net operating income to assets | 1.2898% | 1,859 |
| Return on assets (ROA) | 1.2898% | 1,930 |
| Pretax return on assets | 1.3358% | 2,471 |
| Return on Equity (ROE) | 10.1892% | 2,629 |
| Retained earnings to average equity (ytd only) | -1.3828% | 4,501 |
| Net charge-offs to loans | 0.6490% | 123 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 3.7885% | 1,749 |
| Efficiency ratio | 66.2671% | 2,184 |
| Assets per employee ($millions) | 4.2806% | 4,284 |
| Cash dividends to net income (ytd only)* | 113.5714% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3077% | 117 |
| Loan loss allowance to noncurrent loans | 3,616.6667% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,901 |
| Noncurrent loans to loans | 0.0915% | 3,845 |
| Net loans and leases to total assets | 70.5672% | 1,212 |
| Net loans and leases to deposits | 85.8506% | 970 |
| Net loans and leases to core deposits | 96.7425% | 857 |
| Total domestic deposits to total assets | 82.1977% | 3,850 |
| Equity capital to assets | 12.2067% | 1,198 |
| Core capital (leverage) ratio | 12.6032% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,837,500 | 4,226 |
| Average earning assets | $78,153,000 | 4,246 |
| Average equity | $10,992,000 | 4,112 |
| Average total loans | $64,100,000 | 3,842 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4755% | 58 |
| Cost of funding earning assets | 0.9935% | 607 |
| Net interest margin | 5.4820% | 63 |
| Noninterest income to average assets | 0.3912% | 3,140 |
| Noninterest expense to average assets | 3.8903% | 417 |
| Loan and lease loss provision to assets | 0.4257% | 689 |
| Net operating income to assets | 0.9732% | 2,387 |
| Return on assets (ROA) | 0.9732% | 2,534 |
| Pretax return on assets | 0.9904% | 3,075 |
| Return on Equity (ROE) | 7.2412% | 3,097 |
| Retained earnings to average equity (ytd only) | 1.2999% | 4,105 |
| Net charge-offs to loans | 0.5701% | 263 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 3.3266% | 3,096 |
| Efficiency ratio | 73.3132% | 1,528 |
| Assets per employee ($millions) | 3.9896% | 4,384 |
| Cash dividends to net income (ytd only)* | 82.0480% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4667% | 92 |
| Loan loss allowance to noncurrent loans | 4,717.3913% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,065 |
| Noncurrent loans to loans | 0.0735% | 4,000 |
| Net loans and leases to total assets | 72.1217% | 1,275 |
| Net loans and leases to deposits | 90.8469% | 861 |
| Net loans and leases to core deposits | 103.1443% | 765 |
| Total domestic deposits to total assets | 79.3882% | 4,155 |
| Equity capital to assets | 13.1424% | 1,047 |
| Core capital (leverage) ratio | 12.9590% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,278,800 | 4,228 |
| Average earning assets | $72,875,000 | 4,256 |
| Average equity | $10,923,600 | 4,089 |
| Average total loans | $60,696,000 | 3,904 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4756% | 63 |
| Cost of funding earning assets | 1.0912% | 555 |
| Net interest margin | 5.3843% | 85 |
| Noninterest income to average assets | 0.3918% | 3,120 |
| Noninterest expense to average assets | 3.9229% | 403 |
| Loan and lease loss provision to assets | 0.4612% | 683 |
| Net operating income to assets | 0.8249% | 3,001 |
| Return on assets (ROA) | 0.8249% | 3,124 |
| Pretax return on assets | 0.8365% | 3,554 |
| Return on Equity (ROE) | 6.1028% | 3,522 |
| Retained earnings to average equity (ytd only) | 1.0763% | 4,234 |
| Net charge-offs to loans | 0.6177% | 230 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 2.8136% | 2,955 |
| Efficiency ratio | 75.1425% | 1,285 |
| Assets per employee ($millions) | 3.9810% | 4,327 |
| Cash dividends to net income (ytd only)* | 82.3647% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4569% | 98 |
| Loan loss allowance to noncurrent loans | 5,710.5263% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,230 |
| Noncurrent loans to loans | 0.0605% | 4,132 |
| Net loans and leases to total assets | 69.1957% | 2,077 |
| Net loans and leases to deposits | 89.4839% | 1,325 |
| Net loans and leases to core deposits | 100.9461% | 1,096 |
| Total domestic deposits to total assets | 77.3275% | 4,283 |
| Equity capital to assets | 12.5094% | 1,425 |
| Core capital (leverage) ratio | 12.5161% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,653,000 | 4,245 |
| Average earning assets | $72,331,750 | 4,266 |
| Average equity | $10,901,750 | 4,097 |
| Average total loans | $60,221,250 | 3,939 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7306% | 71 |
| Cost of funding earning assets | 1.2030% | 498 |
| Net interest margin | 5.5276% | 90 |
| Noninterest income to average assets | 0.3880% | 3,154 |
| Noninterest expense to average assets | 3.9825% | 411 |
| Loan and lease loss provision to assets | 0.5744% | 569 |
| Net operating income to assets | 0.7761% | 3,131 |
| Return on assets (ROA) | 0.7761% | 3,244 |
| Pretax return on assets | 0.7812% | 3,643 |
| Return on Equity (ROE) | 5.5864% | 3,636 |
| Retained earnings to average equity (ytd only) | 1.6539% | 3,888 |
| Net charge-offs to loans | 0.7580% | 204 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 2.3600% | 2,782 |
| Efficiency ratio | 74.6055% | 1,407 |
| Assets per employee ($millions) | 3.9205% | 4,381 |
| Cash dividends to net income (ytd only)* | 70.3947% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3645% | 98 |
| Loan loss allowance to noncurrent loans | 4,717.3913% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 4,267 |
| Noncurrent loans to loans | 0.0713% | 4,176 |
| Net loans and leases to total assets | 72.2604% | 1,661 |
| Net loans and leases to deposits | 94.0713% | 958 |
| Net loans and leases to core deposits | 104.8906% | 953 |
| Total domestic deposits to total assets | 76.8145% | 4,340 |
| Equity capital to assets | 12.7058% | 1,279 |
| Core capital (leverage) ratio | 13.3929% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,343,333 | 4,274 |
| Average earning assets | $70,157,333 | 4,310 |
| Average equity | $10,883,667 | 4,102 |
| Average total loans | $59,370,667 | 3,960 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3834% | 52 |
| Cost of funding earning assets | 1.3749% | 443 |
| Net interest margin | 6.0085% | 58 |
| Noninterest income to average assets | 0.3441% | 3,460 |
| Noninterest expense to average assets | 4.3501% | 353 |
| Loan and lease loss provision to assets | 0.7313% | 356 |
| Net operating income to assets | 0.5861% | 3,640 |
| Return on assets (ROA) | 0.5861% | 3,700 |
| Pretax return on assets | 0.5969% | 3,927 |
| Return on Equity (ROE) | 4.0199% | 3,944 |
| Retained earnings to average equity (ytd only) | -1.6965% | 4,219 |
| Net charge-offs to loans | 0.9576% | 158 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 1.8162% | 2,340 |
| Efficiency ratio | 76.6098% | 1,498 |
| Assets per employee ($millions) | 3.2279% | 4,676 |
| Cash dividends to net income (ytd only)* | 142.2018% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8998% | 80 |
| Loan loss allowance to noncurrent loans | 5,564.1026% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,327 |
| Noncurrent loans to loans | 0.0701% | 4,248 |
| Net loans and leases to total assets | 72.0266% | 1,913 |
| Net loans and leases to deposits | 87.3088% | 1,829 |
| Net loans and leases to core deposits | 100.4735% | 1,435 |
| Total domestic deposits to total assets | 82.4964% | 3,261 |
| Equity capital to assets | 14.5780% | 867 |
| Core capital (leverage) ratio | 14.3654% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,389,000 | 4,337 |
| Average earning assets | $66,040,000 | 4,385 |
| Average equity | $10,846,000 | 4,129 |
| Average total loans | $56,808,000 | 4,015 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7574% | 50 |
| Cost of funding earning assets | 1.4835% | 417 |
| Net interest margin | 6.2739% | 53 |
| Noninterest income to average assets | 0.4300% | 3,108 |
| Noninterest expense to average assets | 4.4458% | 325 |
| Loan and lease loss provision to assets | 0.6385% | 182 |
| Net operating income to assets | 0.9230% | 3,116 |
| Return on assets (ROA) | 0.9230% | 3,190 |
| Pretax return on assets | 0.9571% | 3,583 |
| Return on Equity (ROE) | 6.5370% | 3,732 |
| Retained earnings to average equity (ytd only) | 1.5043% | 4,202 |
| Net charge-offs to loans | 0.8196% | 203 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 2.4990% | 3,411 |
| Efficiency ratio | 73.5894% | 1,657 |
| Assets per employee ($millions) | 3.2407% | 4,677 |
| Cash dividends to net income (ytd only)* | 76.9886% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7432% | 73 |
| Loan loss allowance to noncurrent loans | 6,382.3529% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,412 |
| Noncurrent loans to loans | 0.0586% | 4,307 |
| Net loans and leases to total assets | 74.8658% | 1,608 |
| Net loans and leases to deposits | 92.3828% | 1,324 |
| Net loans and leases to core deposits | 105.7798% | 1,118 |
| Total domestic deposits to total assets | 81.0387% | 3,763 |
| Equity capital to assets | 14.5822% | 909 |
| Core capital (leverage) ratio | 14.5611% | 785 |
| Tier 1 risk-based capital ratio | 17.3751% | 1,929 |
| Total risk-based capital ratio | 18.6524% | 1,877 |
| Memoranda: | ||
| Average total assets | $76,273,800 | 4,345 |
| Average earning assets | $68,218,600 | 4,370 |
| Average equity | $10,769,400 | 4,151 |
| Average total loans | $59,420,000 | 3,997 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7701% | 49 |
| Cost of funding earning assets | 1.4912% | 416 |
| Net interest margin | 6.2789% | 52 |
| Noninterest income to average assets | 0.4467% | 3,040 |
| Noninterest expense to average assets | 4.5001% | 297 |
| Loan and lease loss provision to assets | 0.6622% | 163 |
| Net operating income to assets | 0.8812% | 3,411 |
| Return on assets (ROA) | 0.8812% | 3,496 |
| Pretax return on assets | 0.9125% | 3,834 |
| Return on Equity (ROE) | 6.2914% | 3,957 |
| Retained earnings to average equity (ytd only) | 1.8242% | 4,331 |
| Net charge-offs to loans | 0.8497% | 181 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 2.3779% | 3,202 |
| Efficiency ratio | 74.0773% | 1,554 |
| Assets per employee ($millions) | 3.2253% | 4,729 |
| Cash dividends to net income (ytd only)* | 71.0065% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7574% | 77 |
| Loan loss allowance to noncurrent loans | 6,200.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 4,481 |
| Noncurrent loans to loans | 0.0606% | 4,368 |
| Net loans and leases to total assets | 74.9289% | 1,660 |
| Net loans and leases to deposits | 95.2645% | 1,102 |
| Net loans and leases to core deposits | 110.8335% | 907 |
| Total domestic deposits to total assets | 78.6536% | 4,235 |
| Equity capital to assets | 14.6318% | 943 |
| Core capital (leverage) ratio | 14.9192% | 756 |
| Tier 1 risk-based capital ratio | 17.3453% | 1,984 |
| Total risk-based capital ratio | 18.6222% | 1,938 |
| Memoranda: | ||
| Average total assets | $76,708,250 | 4,391 |
| Average earning assets | $68,757,250 | 4,418 |
| Average equity | $10,744,500 | 4,193 |
| Average total loans | $59,782,000 | 4,034 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6890% | 52 |
| Cost of funding earning assets | 1.4910% | 387 |
| Net interest margin | 6.1980% | 59 |
| Noninterest income to average assets | 0.6808% | 1,794 |
| Noninterest expense to average assets | 4.7169% | 262 |
| Loan and lease loss provision to assets | 0.7479% | 141 |
| Net operating income to assets | 0.7943% | 3,678 |
| Return on assets (ROA) | 0.7943% | 3,738 |
| Pretax return on assets | 0.8227% | 4,043 |
| Return on Equity (ROE) | 5.7527% | 4,134 |
| Retained earnings to average equity (ytd only) | 0.6911% | 4,513 |
| Net charge-offs to loans | 0.9593% | 149 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 2.1000% | 2,968 |
| Efficiency ratio | 75.0205% | 1,515 |
| Assets per employee ($millions) | 3.1705% | 4,789 |
| Cash dividends to net income (ytd only)* | 87.9870% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7715% | 70 |
| Loan loss allowance to noncurrent loans | 9,041.6667% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,615 |
| Noncurrent loans to loans | 0.0417% | 4,497 |
| Net loans and leases to total assets | 72.7632% | 2,103 |
| Net loans and leases to deposits | 89.6153% | 1,783 |
| Net loans and leases to core deposits | 104.5173% | 1,338 |
| Total domestic deposits to total assets | 81.1951% | 3,750 |
| Equity capital to assets | 14.1197% | 1,081 |
| Core capital (leverage) ratio | 14.3091% | 877 |
| Tier 1 risk-based capital ratio | 17.0738% | 2,064 |
| Total risk-based capital ratio | 18.3514% | 2,003 |
| Memoranda: | ||
| Average total assets | $77,550,670 | 4,415 |
| Average earning assets | $70,152,000 | 4,440 |
| Average equity | $10,708,000 | 4,212 |
| Average total loans | $60,458,330 | 4,044 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5455% | 55 |
| Cost of funding earning assets | 1.4263% | 416 |
| Net interest margin | 6.1192% | 65 |
| Noninterest income to average assets | 0.5161% | 2,461 |
| Noninterest expense to average assets | 4.5580% | 277 |
| Loan and lease loss provision to assets | 0.8278% | 113 |
| Net operating income to assets | 0.6949% | 3,954 |
| Return on assets (ROA) | 0.6949% | 3,995 |
| Pretax return on assets | 0.7205% | 4,250 |
| Return on Equity (ROE) | 5.0889% | 4,300 |
| Retained earnings to average equity (ytd only) | -1.2348% | 4,680 |
| Net charge-offs to loans | 1.0465% | 130 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 1.8704% | 2,550 |
| Efficiency ratio | 74.6444% | 1,659 |
| Assets per employee ($millions) | 3.0898% | 4,926 |
| Cash dividends to net income (ytd only)* | 124.2647% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5262% | 83 |
| Loan loss allowance to noncurrent loans | 6,027.7778% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 4,606 |
| Noncurrent loans to loans | 0.0585% | 4,500 |
| Net loans and leases to total assets | 73.9027% | 1,827 |
| Net loans and leases to deposits | 90.0021% | 1,631 |
| Net loans and leases to core deposits | 103.8264% | 1,330 |
| Total domestic deposits to total assets | 82.1122% | 3,695 |
| Equity capital to assets | 13.2858% | 1,300 |
| Core capital (leverage) ratio | 13.5213% | 1,087 |
| Tier 1 risk-based capital ratio | 15.8347% | 2,515 |
| Total risk-based capital ratio | 17.1090% | 2,439 |
| Memoranda: | ||
| Average total assets | $78,280,000 | 4,451 |
| Average earning assets | $71,512,500 | 4,456 |
| Average equity | $10,690,000 | 4,238 |
| Average total loans | $61,919,000 | 4,051 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1990% | 40 |
| Cost of funding earning assets | 0.9934% | 774 |
| Net interest margin | 7.2056% | 34 |
| Noninterest income to average assets | 0.3603% | 3,683 |
| Noninterest expense to average assets | 4.8700% | 223 |
| Loan and lease loss provision to assets | 1.1600% | 63 |
| Net operating income to assets | 1.0284% | 2,894 |
| Return on assets (ROA) | 1.0284% | 2,880 |
| Pretax return on assets | 1.0653% | 3,391 |
| Return on Equity (ROE) | 7.3976% | 3,694 |
| Retained earnings to average equity (ytd only) | 2.7907% | 4,001 |
| Net charge-offs to loans | 1.3976% | 84 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 1.9184% | 3,576 |
| Efficiency ratio | 68.6376% | 2,442 |
| Assets per employee ($millions) | 3.0490% | 4,964 |
| Cash dividends to net income (ytd only)* | 62.2762% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4832% | 85 |
| Loan loss allowance to noncurrent loans | 5,710.5263% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,599 |
| Noncurrent loans to loans | 0.0610% | 4,475 |
| Net loans and leases to total assets | 78.8825% | 1,118 |
| Net loans and leases to deposits | 93.8108% | 1,308 |
| Net loans and leases to core deposits | 107.6654% | 1,144 |
| Total domestic deposits to total assets | 84.0868% | 2,977 |
| Equity capital to assets | 14.0464% | 956 |
| Core capital (leverage) ratio | 13.7702% | 993 |
| Tier 1 risk-based capital ratio | 16.2508% | 2,322 |
| Total risk-based capital ratio | 17.5257% | 2,262 |
| Memoranda: | ||
| Average total assets | $76,037,400 | 4,499 |
| Average earning assets | $71,069,400 | 4,478 |
| Average equity | $10,571,000 | 4,221 |
| Average total loans | $63,108,400 | 4,022 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2866% | 36 |
| Cost of funding earning assets | 0.9255% | 816 |
| Net interest margin | 7.3610% | 31 |
| Noninterest income to average assets | 0.3351% | 3,917 |
| Noninterest expense to average assets | 4.8496% | 224 |
| Loan and lease loss provision to assets | 1.2668% | 59 |
| Net operating income to assets | 1.0598% | 2,826 |
| Return on assets (ROA) | 1.0598% | 2,834 |
| Pretax return on assets | 1.0984% | 3,410 |
| Return on Equity (ROE) | 7.6427% | 3,687 |
| Retained earnings to average equity (ytd only) | 2.9609% | 4,253 |
| Net charge-offs to loans | 1.5205% | 80 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 1.8670% | 3,305 |
| Efficiency ratio | 67.2179% | 2,676 |
| Assets per employee ($millions) | 2.8923% | 5,111 |
| Cash dividends to net income (ytd only)* | 61.2584% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4181% | 90 |
| Loan loss allowance to noncurrent loans | 1,972.7273% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 4,242 |
| Noncurrent loans to loans | 0.1733% | 4,113 |
| Net loans and leases to total assets | 78.5174% | 1,252 |
| Net loans and leases to deposits | 92.8467% | 1,517 |
| Net loans and leases to core deposits | 105.1751% | 1,363 |
| Total domestic deposits to total assets | 84.5667% | 2,778 |
| Equity capital to assets | 13.6328% | 1,084 |
| Core capital (leverage) ratio | 13.6204% | 1,053 |
| Tier 1 risk-based capital ratio | 15.5158% | 2,646 |
| Total risk-based capital ratio | 16.7896% | 2,566 |
| Memoranda: | ||
| Average total assets | $75,990,250 | 4,545 |
| Average earning assets | $71,020,750 | 4,522 |
| Average equity | $10,537,000 | 4,266 |
| Average total loans | $63,310,750 | 4,059 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3770% | 32 |
| Cost of funding earning assets | 0.8377% | 974 |
| Net interest margin | 7.5393% | 29 |
| Noninterest income to average assets | 0.3267% | 4,009 |
| Noninterest expense to average assets | 4.7789% | 243 |
| Loan and lease loss provision to assets | 1.4132% | 51 |
| Net operating income to assets | 1.1688% | 2,317 |
| Return on assets (ROA) | 1.1688% | 2,318 |
| Pretax return on assets | 1.2113% | 2,903 |
| Return on Equity (ROE) | 8.3804% | 3,324 |
| Retained earnings to average equity (ytd only) | 3.2569% | 3,941 |
| Net charge-offs to loans | 1.6821% | 68 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 3,022 |
| Efficiency ratio | 64.5497% | 3,238 |
| Assets per employee ($millions) | 2.9770% | 5,114 |
| Cash dividends to net income (ytd only)* | 61.1364% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3467% | 97 |
| Loan loss allowance to noncurrent loans | 3,945.4545% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,655 |
| Noncurrent loans to loans | 0.0848% | 4,529 |
| Net loans and leases to total assets | 80.9679% | 862 |
| Net loans and leases to deposits | 95.7393% | 1,170 |
| Net loans and leases to core deposits | 108.8021% | 1,062 |
| Total domestic deposits to total assets | 84.5713% | 2,847 |
| Equity capital to assets | 13.6729% | 1,034 |
| Core capital (leverage) ratio | 13.4857% | 1,069 |
| Tier 1 risk-based capital ratio | 15.3977% | 2,690 |
| Total risk-based capital ratio | 16.6708% | 2,603 |
| Memoranda: | ||
| Average total assets | $75,290,000 | 4,603 |
| Average earning assets | $70,670,000 | 4,574 |
| Average equity | $10,500,670 | 4,306 |
| Average total loans | $63,252,670 | 4,094 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3121% | 30 |
| Cost of funding earning assets | 0.7406% | 1,232 |
| Net interest margin | 7.5715% | 28 |
| Noninterest income to average assets | 0.3341% | 3,919 |
| Noninterest expense to average assets | 4.7741% | 247 |
| Loan and lease loss provision to assets | 1.5303% | 49 |
| Net operating income to assets | 1.1477% | 2,229 |
| Return on assets (ROA) | 1.1477% | 2,240 |
| Pretax return on assets | 1.1908% | 2,794 |
| Return on Equity (ROE) | 8.1457% | 3,317 |
| Retained earnings to average equity (ytd only) | 3.5948% | 3,762 |
| Net charge-offs to loans | 1.8188% | 72 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 1.7782% | 2,523 |
| Efficiency ratio | 63.6952% | 3,524 |
| Assets per employee ($millions) | 2.9239% | 5,203 |
| Cash dividends to net income (ytd only)* | 55.8685% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4494% | 93 |
| Loan loss allowance to noncurrent loans | 6,027.7778% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 4,870 |
| Noncurrent loans to loans | 0.0572% | 4,718 |
| Net loans and leases to total assets | 79.8979% | 948 |
| Net loans and leases to deposits | 94.6725% | 1,170 |
| Net loans and leases to core deposits | 107.9515% | 1,126 |
| Total domestic deposits to total assets | 84.3940% | 3,149 |
| Equity capital to assets | 13.8210% | 938 |
| Core capital (leverage) ratio | 14.0412% | 866 |
| Tier 1 risk-based capital ratio | 15.5622% | 2,642 |
| Total risk-based capital ratio | 16.8360% | 2,579 |
| Memoranda: | ||
| Average total assets | $74,234,500 | 4,672 |
| Average earning assets | $70,211,000 | 4,638 |
| Average equity | $10,459,500 | 4,356 |
| Average total loans | $62,459,000 | 4,144 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6110% | 27 |
| Cost of funding earning assets | 0.5773% | 1,766 |
| Net interest margin | 8.0337% | 26 |
| Noninterest income to average assets | 0.3429% | 4,012 |
| Noninterest expense to average assets | 4.9939% | 219 |
| Loan and lease loss provision to assets | 1.5772% | 50 |
| Net operating income to assets | 1.4280% | 958 |
| Return on assets (ROA) | 1.4280% | 975 |
| Pretax return on assets | 1.4804% | 1,720 |
| Return on Equity (ROE) | 10.2955% | 1,771 |
| Retained earnings to average equity (ytd only) | 1.5705% | 4,369 |
| Net charge-offs to loans | 1.8687% | 76 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 1.9386% | 3,828 |
| Efficiency ratio | 62.0240% | 3,929 |
| Assets per employee ($millions) | 3.0186% | 5,185 |
| Cash dividends to net income (ytd only)* | 84.7458% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4995% | 89 |
| Loan loss allowance to noncurrent loans | 7,482.7586% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,933 |
| Noncurrent loans to loans | 0.0468% | 4,788 |
| Net loans and leases to total assets | 82.5956% | 607 |
| Net loans and leases to deposits | 100.2597% | 707 |
| Net loans and leases to core deposits | 114.9405% | 757 |
| Total domestic deposits to total assets | 82.3816% | 3,761 |
| Equity capital to assets | 14.3719% | 814 |
| Core capital (leverage) ratio | 14.2419% | 788 |
| Tier 1 risk-based capital ratio | 16.1629% | 2,375 |
| Total risk-based capital ratio | 17.4390% | 2,302 |
| Memoranda: | ||
| Average total assets | $74,370,800 | 4,702 |
| Average earning assets | $71,361,800 | 4,643 |
| Average equity | $10,315,200 | 4,401 |
| Average total loans | $62,770,800 | 4,136 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6691% | 28 |
| Cost of funding earning assets | 0.5609% | 1,804 |
| Net interest margin | 8.1083% | 26 |
| Noninterest income to average assets | 0.3420% | 4,090 |
| Noninterest expense to average assets | 4.8913% | 235 |
| Loan and lease loss provision to assets | 1.6281% | 52 |
| Net operating income to assets | 1.5443% | 811 |
| Return on assets (ROA) | 1.5443% | 833 |
| Pretax return on assets | 1.5996% | 1,422 |
| Return on Equity (ROE) | 11.2328% | 1,593 |
| Retained earnings to average equity (ytd only) | 1.9952% | 4,639 |
| Net charge-offs to loans | 1.9355% | 74 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 1.9825% | 3,521 |
| Efficiency ratio | 60.2457% | 4,169 |
| Assets per employee ($millions) | 3.0444% | 5,227 |
| Cash dividends to net income (ytd only)* | 82.2374% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4794% | 94 |
| Loan loss allowance to noncurrent loans | 2,214.2857% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 4,574 |
| Noncurrent loans to loans | 0.1571% | 4,428 |
| Net loans and leases to total assets | 82.3883% | 619 |
| Net loans and leases to deposits | 98.4174% | 876 |
| Net loans and leases to core deposits | 111.0646% | 973 |
| Total domestic deposits to total assets | 83.7131% | 3,225 |
| Equity capital to assets | 14.2394% | 929 |
| Core capital (leverage) ratio | 14.2355% | 827 |
| Tier 1 risk-based capital ratio | 15.9718% | 2,523 |
| Total risk-based capital ratio | 17.2475% | 2,445 |
| Memoranda: | ||
| Average total assets | $74,851,750 | 4,742 |
| Average earning assets | $71,793,000 | 4,676 |
| Average equity | $10,291,000 | 4,446 |
| Average total loans | $62,961,500 | 4,155 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6536% | 31 |
| Cost of funding earning assets | 0.5507% | 1,772 |
| Net interest margin | 8.1029% | 28 |
| Noninterest income to average assets | 0.3208% | 4,259 |
| Noninterest expense to average assets | 4.8113% | 248 |
| Loan and lease loss provision to assets | 1.6594% | 56 |
| Net operating income to assets | 1.5561% | 778 |
| Return on assets (ROA) | 1.5561% | 799 |
| Pretax return on assets | 1.6117% | 1,308 |
| Return on Equity (ROE) | 11.4499% | 1,475 |
| Retained earnings to average equity (ytd only) | 1.4824% | 4,653 |
| Net charge-offs to loans | 1.9823% | 82 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 1.9712% | 3,222 |
| Efficiency ratio | 59.5277% | 4,396 |
| Assets per employee ($millions) | 3.1214% | 5,169 |
| Cash dividends to net income (ytd only)* | 87.0528% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4692% | 98 |
| Loan loss allowance to noncurrent loans | 7,482.7586% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,095 |
| Noncurrent loans to loans | 0.0464% | 4,961 |
| Net loans and leases to total assets | 80.6002% | 866 |
| Net loans and leases to deposits | 95.6227% | 1,112 |
| Net loans and leases to core deposits | 106.8105% | 1,173 |
| Total domestic deposits to total assets | 84.2898% | 3,092 |
| Equity capital to assets | 13.7827% | 1,051 |
| Core capital (leverage) ratio | 13.7696% | 919 |
| Tier 1 risk-based capital ratio | 15.9231% | 2,534 |
| Total risk-based capital ratio | 17.1985% | 2,467 |
| Memoranda: | ||
| Average total assets | $75,447,330 | 4,754 |
| Average earning assets | $72,270,330 | 4,689 |
| Average equity | $10,253,330 | 4,471 |
| Average total loans | $63,159,670 | 4,170 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6486% | 32 |
| Cost of funding earning assets | 0.5505% | 1,710 |
| Net interest margin | 8.0981% | 31 |
| Noninterest income to average assets | 0.3011% | 4,407 |
| Noninterest expense to average assets | 4.8656% | 253 |
| Loan and lease loss provision to assets | 1.7857% | 41 |
| Net operating income to assets | 1.3736% | 1,051 |
| Return on assets (ROA) | 1.3736% | 1,086 |
| Pretax return on assets | 1.4211% | 1,813 |
| Return on Equity (ROE) | 10.1786% | 1,886 |
| Retained earnings to average equity (ytd only) | -2.5447% | 5,226 |
| Net charge-offs to loans | 2.1303% | 78 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.7959% | 2,683 |
| Efficiency ratio | 60.2749% | 4,422 |
| Assets per employee ($millions) | 3.0373% | 5,320 |
| Cash dividends to net income (ytd only)* | 125.0000% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4961% | 117 |
| Loan loss allowance to noncurrent loans | 2,494.2529% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 4,809 |
| Noncurrent loans to loans | 0.1402% | 4,633 |
| Net loans and leases to total assets | 78.8840% | 999 |
| Net loans and leases to deposits | 93.0311% | 1,220 |
| Net loans and leases to core deposits | 103.0964% | 1,287 |
| Total domestic deposits to total assets | 84.7932% | 3,175 |
| Equity capital to assets | 13.4131% | 1,105 |
| Core capital (leverage) ratio | 13.5663% | 956 |
| Tier 1 risk-based capital ratio | 15.7763% | 2,631 |
| Total risk-based capital ratio | 17.0526% | 2,568 |
| Memoranda: | ||
| Average total assets | $75,714,500 | 4,800 |
| Average earning assets | $72,659,000 | 4,726 |
| Average equity | $10,217,500 | 4,508 |
| Average total loans | $63,464,500 | 4,192 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9928% | 29 |
| Cost of funding earning assets | 0.5479% | 1,709 |
| Net interest margin | 8.4449% | 25 |
| Noninterest income to average assets | 0.3131% | 4,499 |
| Noninterest expense to average assets | 5.2878% | 228 |
| Loan and lease loss provision to assets | 1.0902% | 89 |
| Net operating income to assets | 1.9409% | 361 |
| Return on assets (ROA) | 1.9409% | 376 |
| Pretax return on assets | 2.0117% | 488 |
| Return on Equity (ROE) | 14.3493% | 721 |
| Retained earnings to average equity (ytd only) | 5.1520% | 2,237 |
| Net charge-offs to loans | 1.2730% | 129 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.8452% | 3,764 |
| Efficiency ratio | 63.0273% | 4,101 |
| Assets per employee ($millions) | 3.0198% | 5,341 |
| Cash dividends to net income (ytd only)* | 64.0954% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3457% | 124 |
| Loan loss allowance to noncurrent loans | 2,191.9192% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 4,790 |
| Noncurrent loans to loans | 0.1526% | 4,626 |
| Net loans and leases to total assets | 83.0375% | 481 |
| Net loans and leases to deposits | 98.1110% | 819 |
| Net loans and leases to core deposits | 111.5064% | 800 |
| Total domestic deposits to total assets | 84.6363% | 3,195 |
| Equity capital to assets | 13.5769% | 1,015 |
| Core capital (leverage) ratio | 13.3403% | 1,021 |
| Tier 1 risk-based capital ratio | 15.3955% | 2,795 |
| Total risk-based capital ratio | 16.6707% | 2,716 |
| Memoranda: | ||
| Average total assets | $73,470,400 | 4,857 |
| Average earning assets | $70,267,000 | 4,801 |
| Average equity | $9,937,800 | 4,592 |
| Average total loans | $62,922,000 | 4,201 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9170% | 28 |
| Cost of funding earning assets | 0.5394% | 1,797 |
| Net interest margin | 8.3776% | 25 |
| Noninterest income to average assets | 0.3198% | 4,486 |
| Noninterest expense to average assets | 5.2573% | 228 |
| Loan and lease loss provision to assets | 1.0873% | 88 |
| Net operating income to assets | 1.9096% | 396 |
| Return on assets (ROA) | 1.9096% | 418 |
| Pretax return on assets | 1.9790% | 601 |
| Return on Equity (ROE) | 14.1312% | 796 |
| Retained earnings to average equity (ytd only) | 5.2062% | 2,693 |
| Net charge-offs to loans | 1.2706% | 123 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 2.8202% | 3,516 |
| Efficiency ratio | 63.1614% | 4,044 |
| Assets per employee ($millions) | 3.1298% | 5,262 |
| Cash dividends to net income (ytd only)* | 63.1580% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2436% | 142 |
| Loan loss allowance to noncurrent loans | 5,166.6667% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,247 |
| Noncurrent loans to loans | 0.0628% | 5,102 |
| Net loans and leases to total assets | 82.7284% | 540 |
| Net loans and leases to deposits | 99.2883% | 752 |
| Net loans and leases to core deposits | 111.0558% | 863 |
| Total domestic deposits to total assets | 83.3214% | 3,473 |
| Equity capital to assets | 12.9377% | 1,517 |
| Core capital (leverage) ratio | 13.2358% | 1,096 |
| Tier 1 risk-based capital ratio | 14.6983% | 3,194 |
| Total risk-based capital ratio | 15.9717% | 3,118 |
| Memoranda: | ||
| Average total assets | $72,964,000 | 4,909 |
| Average earning assets | $69,707,500 | 4,852 |
| Average equity | $9,859,750 | 4,644 |
| Average total loans | $62,437,500 | 4,241 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7933% | 30 |
| Cost of funding earning assets | 0.5336% | 1,840 |
| Net interest margin | 8.2597% | 28 |
| Noninterest income to average assets | 0.3286% | 4,428 |
| Noninterest expense to average assets | 5.3143% | 232 |
| Loan and lease loss provision to assets | 1.0954% | 90 |
| Net operating income to assets | 1.7274% | 548 |
| Return on assets (ROA) | 1.7274% | 579 |
| Pretax return on assets | 1.7892% | 903 |
| Return on Equity (ROE) | 12.5870% | 1,138 |
| Retained earnings to average equity (ytd only) | 2.8858% | 4,068 |
| Net charge-offs to loans | 1.2797% | 125 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 2.6333% | 3,245 |
| Efficiency ratio | 64.8167% | 3,876 |
| Assets per employee ($millions) | 2.7582% | 5,638 |
| Cash dividends to net income (ytd only)* | 77.0732% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3370% | 140 |
| Loan loss allowance to noncurrent loans | 12,764.7059% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 5,504 |
| Noncurrent loans to loans | 0.0261% | 5,364 |
| Net loans and leases to total assets | 84.4060% | 387 |
| Net loans and leases to deposits | 101.7943% | 575 |
| Net loans and leases to core deposits | 112.6932% | 781 |
| Total domestic deposits to total assets | 82.9182% | 3,682 |
| Equity capital to assets | 13.2642% | 1,344 |
| Core capital (leverage) ratio | 13.5527% | 964 |
| Tier 1 risk-based capital ratio | 14.6308% | 3,237 |
| Total risk-based capital ratio | 15.9046% | 3,171 |
| Memoranda: | ||
| Average total assets | $71,204,000 | 5,003 |
| Average earning assets | $67,847,330 | 4,938 |
| Average equity | $9,772,000 | 4,690 |
| Average total loans | $60,950,000 | 4,316 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5978% | 33 |
| Cost of funding earning assets | 0.5339% | 1,837 |
| Net interest margin | 8.0638% | 32 |
| Noninterest income to average assets | 0.3507% | 4,219 |
| Noninterest expense to average assets | 5.2264% | 241 |
| Loan and lease loss provision to assets | 1.3224% | 68 |
| Net operating income to assets | 1.3914% | 1,054 |
| Return on assets (ROA) | 1.3914% | 1,114 |
| Pretax return on assets | 1.4431% | 1,766 |
| Return on Equity (ROE) | 9.9599% | 1,998 |
| Retained earnings to average equity (ytd only) | -1.5639% | 5,342 |
| Net charge-offs to loans | 1.5617% | 111 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 2.0913% | 2,730 |
| Efficiency ratio | 65.3957% | 3,898 |
| Assets per employee ($millions) | 2.7563% | 5,705 |
| Cash dividends to net income (ytd only)* | 115.7025% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7247% | 109 |
| Loan loss allowance to noncurrent loans | 16,692.3077% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 5,574 |
| Noncurrent loans to loans | 0.0223% | 5,413 |
| Net loans and leases to total assets | 78.2691% | 1,067 |
| Net loans and leases to deposits | 92.5303% | 1,280 |
| Net loans and leases to core deposits | 98.1607% | 1,624 |
| Total domestic deposits to total assets | 84.5876% | 3,281 |
| Equity capital to assets | 13.5356% | 1,169 |
| Core capital (leverage) ratio | 14.0186% | 806 |
| Tier 1 risk-based capital ratio | 16.1298% | 2,623 |
| Total risk-based capital ratio | 17.4086% | 2,556 |
| Memoranda: | ||
| Average total assets | $69,570,500 | 5,079 |
| Average earning assets | $65,924,000 | 5,026 |
| Average equity | $9,719,000 | 4,724 |
| Average total loans | $58,911,000 | 4,414 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0301% | 29 |
| Cost of funding earning assets | 0.5659% | 1,624 |
| Net interest margin | 8.4641% | 25 |
| Noninterest income to average assets | 0.3452% | 4,444 |
| Noninterest expense to average assets | 5.2074% | 244 |
| Loan and lease loss provision to assets | 1.3319% | 61 |
| Net operating income to assets | 1.8085% | 480 |
| Return on assets (ROA) | 1.8085% | 488 |
| Pretax return on assets | 1.8742% | 690 |
| Return on Equity (ROE) | 13.6345% | 924 |
| Retained earnings to average equity (ytd only) | 5.2157% | 2,265 |
| Net charge-offs to loans | 1.5571% | 98 |
| Credit loss provision to net charge-offs | 102.1436% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.4587% | 3,904 |
| Efficiency ratio | 61.8937% | 4,624 |
| Assets per employee ($millions) | 2.8116% | 5,695 |
| Cash dividends to net income (ytd only)* | 61.7465% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6433% | 113 |
| Loan loss allowance to noncurrent loans | 5,710.5263% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 5,439 |
| Noncurrent loans to loans | 0.0638% | 5,255 |
| Net loans and leases to total assets | 85.0529% | 306 |
| Net loans and leases to deposits | 101.6849% | 560 |
| Net loans and leases to core deposits | 109.3994% | 893 |
| Total domestic deposits to total assets | 83.6436% | 3,620 |
| Equity capital to assets | 14.4314% | 785 |
| Core capital (leverage) ratio | 13.6960% | 910 |
| Tier 1 risk-based capital ratio | 16.1180% | 2,638 |
| Total risk-based capital ratio | 17.3974% | 2,579 |
| Memoranda: | ||
| Average total assets | $71,551,800 | 5,054 |
| Average earning assets | $68,205,600 | 4,982 |
| Average equity | $9,490,600 | 4,753 |
| Average total loans | $59,917,400 | 4,380 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0503% | 29 |
| Cost of funding earning assets | 0.5679% | 1,648 |
| Net interest margin | 8.4823% | 26 |
| Noninterest income to average assets | 0.3601% | 4,357 |
| Noninterest expense to average assets | 5.1002% | 265 |
| Loan and lease loss provision to assets | 1.4165% | 39 |
| Net operating income to assets | 1.8446% | 471 |
| Return on assets (ROA) | 1.8446% | 495 |
| Pretax return on assets | 1.9107% | 705 |
| Return on Equity (ROE) | 14.1973% | 864 |
| Retained earnings to average equity (ytd only) | 5.4018% | 2,644 |
| Net charge-offs to loans | 1.6687% | 77 |
| Credit loss provision to net charge-offs | 102.6631% | 2,208 |
| Earnings coverage of net charge-offs (x) | 2.4115% | 3,676 |
| Efficiency ratio | 60.5189% | 4,811 |
| Assets per employee ($millions) | 3.1472% | 5,365 |
| Cash dividends to net income (ytd only)* | 61.9521% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6724% | 122 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 5,380 |
| Noncurrent loans to loans | 0.1185% | 5,153 |
| Net loans and leases to total assets | 75.3565% | 1,482 |
| Net loans and leases to deposits | 88.1946% | 1,874 |
| Net loans and leases to core deposits | 96.9131% | 1,805 |
| Total domestic deposits to total assets | 85.4434% | 2,808 |
| Equity capital to assets | 12.7428% | 1,594 |
| Core capital (leverage) ratio | 13.0815% | 1,174 |
| Tier 1 risk-based capital ratio | 15.4812% | 3,059 |
| Total risk-based capital ratio | 16.7583% | 2,971 |
| Memoranda: | ||
| Average total assets | $72,570,250 | 5,087 |
| Average earning assets | $69,020,250 | 5,015 |
| Average equity | $9,428,750 | 4,820 |
| Average total loans | $60,006,250 | 4,426 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2845% | 27 |
| Cost of funding earning assets | 0.5768% | 1,595 |
| Net interest margin | 8.7077% | 25 |
| Noninterest income to average assets | 0.3716% | 4,284 |
| Noninterest expense to average assets | 5.2666% | 243 |
| Loan and lease loss provision to assets | 1.1846% | 53 |
| Net operating income to assets | 2.1514% | 279 |
| Return on assets (ROA) | 2.1514% | 294 |
| Pretax return on assets | 2.2296% | 393 |
| Return on Equity (ROE) | 16.4471% | 555 |
| Retained earnings to average equity (ytd only) | 5.4041% | 2,597 |
| Net charge-offs to loans | 1.3397% | 139 |
| Credit loss provision to net charge-offs | 104.9505% | 1,984 |
| Earnings coverage of net charge-offs (x) | 3.0248% | 3,255 |
| Efficiency ratio | 60.6695% | 4,885 |
| Assets per employee ($millions) | 3.0271% | 5,563 |
| Cash dividends to net income (ytd only)* | 67.1429% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5771% | 151 |
| Loan loss allowance to noncurrent loans | 2,308.5106% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 5,337 |
| Noncurrent loans to loans | 0.1550% | 5,131 |
| Net loans and leases to total assets | 80.5148% | 736 |
| Net loans and leases to deposits | 94.7026% | 1,077 |
| Net loans and leases to core deposits | 104.5413% | 1,156 |
| Total domestic deposits to total assets | 85.0186% | 3,113 |
| Equity capital to assets | 13.0709% | 1,369 |
| Core capital (leverage) ratio | 13.1547% | 1,114 |
| Tier 1 risk-based capital ratio | 15.1360% | 3,283 |
| Total risk-based capital ratio | 16.4127% | 3,204 |
| Memoranda: | ||
| Average total assets | $71,582,670 | 5,165 |
| Average earning assets | $68,307,670 | 5,086 |
| Average equity | $9,363,330 | 4,862 |
| Average total loans | $60,312,000 | 4,454 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3848% | 22 |
| Cost of funding earning assets | 0.5784% | 1,588 |
| Net interest margin | 8.8064% | 22 |
| Noninterest income to average assets | 0.3491% | 4,406 |
| Noninterest expense to average assets | 5.1852% | 266 |
| Loan and lease loss provision to assets | 1.3962% | 45 |
| Net operating income to assets | 2.0943% | 282 |
| Return on assets (ROA) | 2.0943% | 303 |
| Pretax return on assets | 2.1675% | 414 |
| Return on Equity (ROE) | 16.0052% | 569 |
| Retained earnings to average equity (ytd only) | 4.6467% | 3,238 |
| Net charge-offs to loans | 1.5166% | 123 |
| Credit loss provision to net charge-offs | 108.7719% | 1,524 |
| Earnings coverage of net charge-offs (x) | 2.7763% | 2,701 |
| Efficiency ratio | 59.2664% | 5,185 |
| Assets per employee ($millions) | 3.0053% | 5,656 |
| Cash dividends to net income (ytd only)* | 70.9677% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6153% | 163 |
| Loan loss allowance to noncurrent loans | 3,557.3770% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 5,605 |
| Noncurrent loans to loans | 0.1016% | 5,391 |
| Net loans and leases to total assets | 80.2085% | 665 |
| Net loans and leases to deposits | 95.9133% | 834 |
| Net loans and leases to core deposits | 106.1271% | 928 |
| Total domestic deposits to total assets | 83.6261% | 3,963 |
| Equity capital to assets | 12.9646% | 1,422 |
| Core capital (leverage) ratio | 13.2838% | 1,055 |
| Tier 1 risk-based capital ratio | 15.2849% | 3,276 |
| Total risk-based capital ratio | 16.5631% | 3,189 |
| Memoranda: | ||
| Average total assets | $71,049,000 | 5,235 |
| Average earning assets | $67,769,000 | 5,150 |
| Average equity | $9,297,000 | 4,917 |
| Average total loans | $60,136,000 | 4,488 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5276% | 51 |
| Cost of funding earning assets | 0.5915% | 1,840 |
| Net interest margin | 6.9361% | 48 |
| Noninterest income to average assets | 0.2942% | 5,015 |
| Noninterest expense to average assets | 5.1545% | 281 |
| Loan and lease loss provision to assets | 0.3928% | 458 |
| Net operating income to assets | 1.3315% | 1,229 |
| Return on assets (ROA) | 1.3315% | 1,282 |
| Pretax return on assets | 1.3800% | 1,953 |
| Return on Equity (ROE) | 9.7087% | 2,252 |
| Retained earnings to average equity (ytd only) | 4.6111% | 2,899 |
| Net charge-offs to loans | 0.2849% | 1,524 |
| Credit loss provision to net charge-offs | 162.8931% | 1,494 |
| Earnings coverage of net charge-offs (x) | 7.3522% | 3,045 |
| Efficiency ratio | 74.4089% | 2,767 |
| Assets per employee ($millions) | 2.9155% | 5,806 |
| Cash dividends to net income (ytd only)* | 52.5057% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5685% | 174 |
| Loan loss allowance to noncurrent loans | 7,166.6667% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 5,865 |
| Noncurrent loans to loans | 0.0498% | 5,681 |
| Net loans and leases to total assets | 83.0344% | 428 |
| Net loans and leases to deposits | 98.7474% | 705 |
| Net loans and leases to core deposits | 107.1600% | 945 |
| Total domestic deposits to total assets | 84.0877% | 3,675 |
| Equity capital to assets | 13.2098% | 1,271 |
| Core capital (leverage) ratio | 13.5532% | 957 |
| Tier 1 risk-based capital ratio | 15.0668% | 3,453 |
| Total risk-based capital ratio | 16.3447% | 3,387 |
| Memoranda: | ||
| Average total assets | $65,942,000 | 5,393 |
| Average earning assets | $63,061,400 | 5,308 |
| Average equity | $9,043,400 | 4,966 |
| Average total loans | $55,810,800 | 4,619 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2580% | 58 |
| Cost of funding earning assets | 0.5971% | 1,861 |
| Net interest margin | 6.6608% | 59 |
| Noninterest income to average assets | 0.2669% | 5,295 |
| Noninterest expense to average assets | 5.1394% | 276 |
| Loan and lease loss provision to assets | 0.2608% | 816 |
| Net operating income to assets | 1.1909% | 1,703 |
| Return on assets (ROA) | 1.1909% | 1,777 |
| Pretax return on assets | 1.2340% | 2,636 |
| Return on Equity (ROE) | 8.5985% | 2,904 |
| Retained earnings to average equity (ytd only) | 4.4328% | 3,497 |
| Net charge-offs to loans | 0.3096% | 1,284 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 5.7322% | 3,205 |
| Efficiency ratio | 77.4683% | 2,272 |
| Assets per employee ($millions) | 2.8307% | 5,933 |
| Cash dividends to net income (ytd only)* | 48.4489% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8548% | 180 |
| Loan loss allowance to noncurrent loans | 9,761.9048% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 6,044 |
| Noncurrent loans to loans | 0.0395% | 5,859 |
| Net loans and leases to total assets | 78.5323% | 895 |
| Net loans and leases to deposits | 94.6028% | 984 |
| Net loans and leases to core deposits | 98.2344% | 1,510 |
| Total domestic deposits to total assets | 83.0126% | 4,147 |
| Equity capital to assets | 14.0154% | 998 |
| Core capital (leverage) ratio | 14.1118% | 813 |
| Tier 1 risk-based capital ratio | 17.0954% | 2,580 |
| Total risk-based capital ratio | 18.3768% | 2,519 |
| Memoranda: | ||
| Average total assets | $64,934,750 | 5,485 |
| Average earning assets | $62,072,750 | 5,401 |
| Average equity | $8,993,500 | 5,011 |
| Average total loans | $54,701,000 | 4,700 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2700% | 56 |
| Cost of funding earning assets | 0.6031% | 1,874 |
| Net interest margin | 6.6669% | 57 |
| Noninterest income to average assets | 0.2744% | 5,234 |
| Noninterest expense to average assets | 5.1328% | 288 |
| Loan and lease loss provision to assets | 0.3576% | 492 |
| Net operating income to assets | 1.1160% | 1,873 |
| Return on assets (ROA) | 1.1160% | 1,950 |
| Pretax return on assets | 1.1560% | 2,851 |
| Return on Equity (ROE) | 8.0897% | 3,039 |
| Retained earnings to average equity (ytd only) | 5.8326% | 2,426 |
| Net charge-offs to loans | 0.4202% | 973 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.2328% | 3,149 |
| Efficiency ratio | 77.2263% | 2,418 |
| Assets per employee ($millions) | 2.8233% | 6,001 |
| Cash dividends to net income (ytd only)* | 27.9006% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7655% | 202 |
| Loan loss allowance to noncurrent loans | 25,625.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 6,208 |
| Noncurrent loans to loans | 0.0147% | 6,034 |
| Net loans and leases to total assets | 80.6797% | 604 |
| Net loans and leases to deposits | 97.1103% | 731 |
| Net loans and leases to core deposits | 100.8411% | 1,214 |
| Total domestic deposits to total assets | 83.0805% | 4,275 |
| Equity capital to assets | 13.9936% | 973 |
| Core capital (leverage) ratio | 14.1721% | 778 |
| Tier 1 risk-based capital ratio | 16.8399% | 2,692 |
| Total risk-based capital ratio | 18.1223% | 2,645 |
| Memoranda: | ||
| Average total assets | $64,877,330 | 5,533 |
| Average earning assets | $62,008,000 | 5,455 |
| Average equity | $8,949,670 | 5,039 |
| Average total loans | $55,208,000 | 4,711 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3204% | 56 |
| Cost of funding earning assets | 0.5998% | 1,971 |
| Net interest margin | 6.7206% | 54 |
| Noninterest income to average assets | 0.2714% | 5,198 |
| Noninterest expense to average assets | 5.0950% | 300 |
| Loan and lease loss provision to assets | 0.6538% | 190 |
| Net operating income to assets | 0.9191% | 2,553 |
| Return on assets (ROA) | 0.9191% | 2,629 |
| Pretax return on assets | 0.9499% | 3,519 |
| Return on Equity (ROE) | 6.7110% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.9544% | 3,139 |
| Net charge-offs to loans | 0.7627% | 457 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 2.4528% | 2,875 |
| Efficiency ratio | 76.0589% | 2,796 |
| Assets per employee ($millions) | 2.7945% | 6,101 |
| Cash dividends to net income (ytd only)* | 26.1745% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7836% | 218 |
| Loan loss allowance to noncurrent loans | 13,666.6667% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 6,229 |
| Noncurrent loans to loans | 0.0277% | 6,074 |
| Net loans and leases to total assets | 81.1087% | 449 |
| Net loans and leases to deposits | 98.3585% | 517 |
| Net loans and leases to core deposits | 102.2016% | 976 |
| Total domestic deposits to total assets | 82.4623% | 4,798 |
| Equity capital to assets | 13.9032% | 951 |
| Core capital (leverage) ratio | 13.7723% | 901 |
| Tier 1 risk-based capital ratio | 16.1779% | 3,064 |
| Total risk-based capital ratio | 17.4578% | 3,013 |
| Memoranda: | ||
| Average total assets | $64,847,500 | 5,594 |
| Average earning assets | $62,018,500 | 5,505 |
| Average equity | $8,881,000 | 5,083 |
| Average total loans | $55,591,500 | 4,741 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2542% | 44 |
| Cost of funding earning assets | 0.6050% | 2,617 |
| Net interest margin | 7.6492% | 41 |
| Noninterest income to average assets | 0.3023% | 5,184 |
| Noninterest expense to average assets | 5.4515% | 254 |
| Loan and lease loss provision to assets | 0.3538% | 891 |
| Net operating income to assets | 1.7335% | 549 |
| Return on assets (ROA) | 1.7335% | 566 |
| Pretax return on assets | 1.7963% | 766 |
| Return on Equity (ROE) | 12.1263% | 1,377 |
| Retained earnings to average equity (ytd only) | 2.2048% | 4,679 |
| Net charge-offs to loans | 0.4092% | 1,644 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.0773% | 3,133 |
| Efficiency ratio | 71.7157% | 3,531 |
| Assets per employee ($millions) | 2.7259% | 6,193 |
| Cash dividends to net income (ytd only)* | 81.8182% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5964% | 264 |
| Loan loss allowance to noncurrent loans | 7,592.5926% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 6,246 |
| Noncurrent loans to loans | 0.0474% | 6,090 |
| Net loans and leases to total assets | 83.9962% | 254 |
| Net loans and leases to deposits | 105.1250% | 294 |
| Net loans and leases to core deposits | 109.0274% | 650 |
| Total domestic deposits to total assets | 79.9013% | 5,466 |
| Equity capital to assets | 13.4909% | 1,072 |
| Core capital (leverage) ratio | 13.7474% | 891 |
| Tier 1 risk-based capital ratio | 15.1574% | 3,572 |
| Total risk-based capital ratio | 16.4351% | 3,498 |
| Memoranda: | ||
| Average total assets | $62,185,000 | 5,701 |
| Average earning assets | $59,339,400 | 5,613 |
| Average equity | $8,889,800 | 5,118 |
| Average total loans | $53,767,600 | 4,818 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4248% | 41 |
| Cost of funding earning assets | 0.6014% | 2,792 |
| Net interest margin | 7.8234% | 34 |
| Noninterest income to average assets | 0.3063% | 5,251 |
| Noninterest expense to average assets | 5.4418% | 257 |
| Loan and lease loss provision to assets | 0.3367% | 971 |
| Net operating income to assets | 1.9182% | 425 |
| Return on assets (ROA) | 1.9182% | 432 |
| Pretax return on assets | 1.9877% | 591 |
| Return on Equity (ROE) | 13.2195% | 1,191 |
| Retained earnings to average equity (ytd only) | 6.6173% | 2,076 |
| Net charge-offs to loans | 0.3902% | 1,642 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 6.9033% | 2,886 |
| Efficiency ratio | 70.0699% | 3,748 |
| Assets per employee ($millions) | 2.6261% | 6,355 |
| Cash dividends to net income (ytd only)* | 49.9439% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7800% | 272 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 6,250 |
| Noncurrent loans to loans | 0.0756% | 6,109 |
| Net loans and leases to total assets | 82.7960% | 307 |
| Net loans and leases to deposits | 101.3124% | 414 |
| Net loans and leases to core deposits | 108.7440% | 633 |
| Total domestic deposits to total assets | 81.7234% | 5,018 |
| Equity capital to assets | 14.3941% | 855 |
| Core capital (leverage) ratio | 14.5714% | 717 |
| Tier 1 risk-based capital ratio | 16.5490% | 2,918 |
| Total risk-based capital ratio | 17.8296% | 2,869 |
| Memoranda: | ||
| Average total assets | $61,375,750 | 5,782 |
| Average earning assets | $58,524,000 | 5,699 |
| Average equity | $8,905,750 | 5,160 |
| Average total loans | $52,959,000 | 4,887 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5667% | 35 |
| Cost of funding earning assets | 0.5998% | 2,941 |
| Net interest margin | 7.9668% | 35 |
| Noninterest income to average assets | 0.3584% | 4,823 |
| Noninterest expense to average assets | 5.5371% | 257 |
| Loan and lease loss provision to assets | 0.4307% | 693 |
| Net operating income to assets | 1.9202% | 409 |
| Return on assets (ROA) | 1.9202% | 444 |
| Pretax return on assets | 1.9893% | 620 |
| Return on Equity (ROE) | 13.1972% | 1,196 |
| Retained earnings to average equity (ytd only) | 8.9488% | 1,139 |
| Net charge-offs to loans | 0.4987% | 1,312 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 5.6183% | 2,855 |
| Efficiency ratio | 69.5868% | 3,910 |
| Assets per employee ($millions) | 2.3401% | 6,617 |
| Cash dividends to net income (ytd only)* | 32.1918% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8387% | 291 |
| Loan loss allowance to noncurrent loans | 8,200.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 6,382 |
| Noncurrent loans to loans | 0.0468% | 6,249 |
| Net loans and leases to total assets | 84.4041% | 215 |
| Net loans and leases to deposits | 103.9555% | 263 |
| Net loans and leases to core deposits | 113.3993% | 449 |
| Total domestic deposits to total assets | 81.1926% | 5,293 |
| Equity capital to assets | 14.8349% | 745 |
| Core capital (leverage) ratio | 14.8956% | 632 |
| Tier 1 risk-based capital ratio | 16.9416% | 2,737 |
| Total risk-based capital ratio | 18.2236% | 2,695 |
| Memoranda: | ||
| Average total assets | $60,825,670 | 5,839 |
| Average earning assets | $58,015,670 | 5,749 |
| Average equity | $8,850,330 | 5,215 |
| Average total loans | $52,534,330 | 4,930 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6412% | 33 |
| Cost of funding earning assets | 0.6079% | 3,034 |
| Net interest margin | 8.0334% | 32 |
| Noninterest income to average assets | 0.2960% | 5,336 |
| Noninterest expense to average assets | 5.6300% | 247 |
| Loan and lease loss provision to assets | 0.4144% | 735 |
| Net operating income to assets | 1.8350% | 453 |
| Return on assets (ROA) | 1.8350% | 500 |
| Pretax return on assets | 1.9008% | 737 |
| Return on Equity (ROE) | 12.7361% | 1,230 |
| Retained earnings to average equity (ytd only) | 12.0970% | 689 |
| Net charge-offs to loans | 0.4837% | 1,235 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 5.5873% | 2,350 |
| Efficiency ratio | 70.8609% | 3,815 |
| Assets per employee ($millions) | 2.3952% | 6,661 |
| Cash dividends to net income (ytd only)* | 5.0179% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9720% | 293 |
| Loan loss allowance to noncurrent loans | 4,456.5217% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 6,362 |
| Noncurrent loans to loans | 0.0891% | 6,210 |
| Net loans and leases to total assets | 82.7672% | 252 |
| Net loans and leases to deposits | 102.9860% | 251 |
| Net loans and leases to core deposits | 112.7924% | 417 |
| Total domestic deposits to total assets | 80.3674% | 5,671 |
| Equity capital to assets | 14.8547% | 793 |
| Core capital (leverage) ratio | 14.8562% | 612 |
| Tier 1 risk-based capital ratio | 17.1272% | 2,696 |
| Total risk-based capital ratio | 18.4115% | 2,658 |
| Memoranda: | ||
| Average total assets | $60,817,000 | 5,891 |
| Average earning assets | $57,908,500 | 5,800 |
| Average equity | $8,762,500 | 5,283 |
| Average total loans | $52,099,500 | 4,980 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1352% | 34 |
| Cost of funding earning assets | 0.7358% | 3,202 |
| Net interest margin | 8.3994% | 33 |
| Noninterest income to average assets | 0.2803% | 5,460 |
| Noninterest expense to average assets | 5.8317% | 236 |
| Loan and lease loss provision to assets | 0.1393% | 3,867 |
| Net operating income to assets | 2.2563% | 229 |
| Return on assets (ROA) | 2.2563% | 250 |
| Pretax return on assets | 2.3389% | 317 |
| Return on Equity (ROE) | 15.4491% | 738 |
| Retained earnings to average equity (ytd only) | 6.1231% | 2,002 |
| Net charge-offs to loans | 0.1643% | 4,062 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 17.7901% | 1,483 |
| Efficiency ratio | 70.1780% | 3,780 |
| Assets per employee ($millions) | 2.3752% | 6,727 |
| Cash dividends to net income (ytd only)* | 60.3659% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8982% | 307 |
| Loan loss allowance to noncurrent loans | 3,360.6557% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 6,341 |
| Noncurrent loans to loans | 0.1160% | 6,195 |
| Net loans and leases to total assets | 81.8376% | 335 |
| Net loans and leases to deposits | 106.9248% | 204 |
| Net loans and leases to core deposits | 117.3419% | 328 |
| Total domestic deposits to total assets | 76.5376% | 6,282 |
| Equity capital to assets | 13.9748% | 1,056 |
| Core capital (leverage) ratio | 15.2258% | 539 |
| Tier 1 risk-based capital ratio | 16.2600% | 3,020 |
| Total risk-based capital ratio | 17.5431% | 2,959 |
| Memoranda: | ||
| Average total assets | $58,147,600 | 5,968 |
| Average earning assets | $55,587,400 | 5,873 |
| Average equity | $8,492,400 | 5,364 |
| Average total loans | $49,304,400 | 5,133 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2786% | 32 |
| Cost of funding earning assets | 0.7700% | 3,189 |
| Net interest margin | 8.5087% | 29 |
| Noninterest income to average assets | 0.2958% | 5,408 |
| Noninterest expense to average assets | 6.0905% | 204 |
| Loan and lease loss provision to assets | 0.1234% | 4,011 |
| Net operating income to assets | 2.1614% | 308 |
| Return on assets (ROA) | 2.1614% | 341 |
| Pretax return on assets | 2.2406% | 452 |
| Return on Equity (ROE) | 14.6288% | 974 |
| Retained earnings to average equity (ytd only) | 9.1115% | 1,178 |
| Net charge-offs to loans | 0.1457% | 3,946 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 19.1523% | 1,513 |
| Efficiency ratio | 72.0386% | 3,322 |
| Assets per employee ($millions) | 2.1972% | 6,917 |
| Cash dividends to net income (ytd only)* | 37.7160% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2104% | 260 |
| Loan loss allowance to noncurrent loans | 7,884.6154% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 6,643 |
| Noncurrent loans to loans | 0.0534% | 6,483 |
| Net loans and leases to total assets | 81.6423% | 374 |
| Net loans and leases to deposits | 102.6115% | 326 |
| Net loans and leases to core deposits | 106.2319% | 726 |
| Total domestic deposits to total assets | 79.5645% | 5,758 |
| Equity capital to assets | 15.2085% | 771 |
| Core capital (leverage) ratio | 15.2416% | 571 |
| Tier 1 risk-based capital ratio | 17.4115% | 2,571 |
| Total risk-based capital ratio | 18.6961% | 2,528 |
| Memoranda: | ||
| Average total assets | $57,246,000 | 6,060 |
| Average earning assets | $54,891,750 | 5,967 |
| Average equity | $8,458,000 | 5,422 |
| Average total loans | $48,483,500 | 5,224 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2910% | 32 |
| Cost of funding earning assets | 0.7981% | 3,206 |
| Net interest margin | 8.4929% | 28 |
| Noninterest income to average assets | 0.3282% | 5,201 |
| Noninterest expense to average assets | 6.1306% | 209 |
| Loan and lease loss provision to assets | -0.0663% | 7,090 |
| Net operating income to assets | 2.3531% | 221 |
| Return on assets (ROA) | 2.3531% | 254 |
| Pretax return on assets | 2.4369% | 325 |
| Return on Equity (ROE) | 16.0834% | 761 |
| Retained earnings to average equity (ytd only) | 11.4779% | 663 |
| Net charge-offs to loans | -0.0785% | 6,799 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1150% | 3,414 |
| Assets per employee ($millions) | 2.2248% | 6,958 |
| Cash dividends to net income (ytd only)* | 28.6350% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1526% | 314 |
| Loan loss allowance to noncurrent loans | 2,562.5000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 6,441 |
| Noncurrent loans to loans | 0.1621% | 6,260 |
| Net loans and leases to total assets | 81.7982% | 345 |
| Net loans and leases to deposits | 102.2076% | 333 |
| Net loans and leases to core deposits | 106.6371% | 714 |
| Total domestic deposits to total assets | 80.0315% | 5,731 |
| Equity capital to assets | 14.8515% | 820 |
| Core capital (leverage) ratio | 15.0902% | 586 |
| Tier 1 risk-based capital ratio | 16.8709% | 2,732 |
| Total risk-based capital ratio | 18.1552% | 2,674 |
| Memoranda: | ||
| Average total assets | $57,286,000 | 6,098 |
| Average earning assets | $55,128,670 | 5,991 |
| Average equity | $8,381,330 | 5,448 |
| Average total loans | $48,415,000 | 5,256 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4123% | 32 |
| Cost of funding earning assets | 0.8299% | 3,230 |
| Net interest margin | 8.5824% | 27 |
| Noninterest income to average assets | 0.1614% | 6,420 |
| Noninterest expense to average assets | 6.0274% | 205 |
| Loan and lease loss provision to assets | -0.0140% | 7,109 |
| Net operating income to assets | 2.3366% | 229 |
| Return on assets (ROA) | 2.3366% | 278 |
| Pretax return on assets | 2.4208% | 373 |
| Return on Equity (ROE) | 16.0938% | 794 |
| Retained earnings to average equity (ytd only) | 16.0938% | 358 |
| Net charge-offs to loans | -0.0167% | 6,116 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4642% | 3,539 |
| Assets per employee ($millions) | 2.2775% | 7,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3005% | 290 |
| Loan loss allowance to noncurrent loans | 3,306.4516% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 6,604 |
| Noncurrent loans to loans | 0.1301% | 6,424 |
| Net loans and leases to total assets | 80.1219% | 393 |
| Net loans and leases to deposits | 99.9671% | 372 |
| Net loans and leases to core deposits | 104.3603% | 751 |
| Total domestic deposits to total assets | 80.1482% | 5,824 |
| Equity capital to assets | 14.8287% | 778 |
| Core capital (leverage) ratio | 14.7075% | 651 |
| Tier 1 risk-based capital ratio | 17.0576% | 2,663 |
| Total risk-based capital ratio | 18.3425% | 2,610 |
| Memoranda: | ||
| Average total assets | $57,006,000 | 6,156 |
| Average earning assets | $54,949,500 | 6,036 |
| Average equity | $8,276,500 | 5,504 |
| Average total loans | $47,939,000 | 5,302 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2487% | 33 |
| Cost of funding earning assets | 1.0674% | 2,901 |
| Net interest margin | 8.1814% | 32 |
| Noninterest income to average assets | 0.3836% | 4,755 |
| Noninterest expense to average assets | 5.3906% | 282 |
| Loan and lease loss provision to assets | 0.5660% | 1,838 |
| Net operating income to assets | 2.2265% | 218 |
| Return on assets (ROA) | 2.2265% | 227 |
| Pretax return on assets | 2.3066% | 292 |
| Return on Equity (ROE) | 16.0061% | 599 |
| Retained earnings to average equity (ytd only) | 2.0590% | 4,748 |
| Net charge-offs to loans | 0.4421% | 3,224 |
| Credit loss provision to net charge-offs | 152.9954% | 1,839 |
| Earnings coverage of net charge-offs (x) | 7.7650% | 2,269 |
| Efficiency ratio | 65.2362% | 4,915 |
| Assets per employee ($millions) | 2.1139% | 7,115 |
| Cash dividends to net income (ytd only)* | 87.1363% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2523% | 311 |
| Loan loss allowance to noncurrent loans | 6,406.2500% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 6,818 |
| Noncurrent loans to loans | 0.0664% | 6,647 |
| Net loans and leases to total assets | 80.8743% | 416 |
| Net loans and leases to deposits | 100.1367% | 452 |
| Net loans and leases to core deposits | 103.9009% | 909 |
| Total domestic deposits to total assets | 80.7639% | 5,523 |
| Equity capital to assets | 14.2094% | 998 |
| Core capital (leverage) ratio | 14.0256% | 820 |
| Tier 1 risk-based capital ratio | 16.2148% | 2,951 |
| Total risk-based capital ratio | 17.5004% | 2,898 |
| Memoranda: | ||
| Average total assets | $58,657,800 | 6,085 |
| Average earning assets | $56,494,200 | 5,963 |
| Average equity | $8,159,400 | 5,524 |
| Average total loans | $49,087,000 | 5,298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2026% | 36 |
| Cost of funding earning assets | 1.0996% | 2,982 |
| Net interest margin | 8.1030% | 35 |
| Noninterest income to average assets | 0.4516% | 4,281 |
| Noninterest expense to average assets | 5.3487% | 277 |
| Loan and lease loss provision to assets | 0.6186% | 1,592 |
| Net operating income to assets | 2.2081% | 253 |
| Return on assets (ROA) | 2.2081% | 269 |
| Pretax return on assets | 2.2871% | 364 |
| Return on Equity (ROE) | 15.9570% | 692 |
| Retained earnings to average equity (ytd only) | 8.1580% | 1,449 |
| Net charge-offs to loans | 0.4299% | 2,997 |
| Credit loss provision to net charge-offs | 172.3270% | 1,742 |
| Earnings coverage of net charge-offs (x) | 8.0945% | 2,238 |
| Efficiency ratio | 64.7976% | 4,934 |
| Assets per employee ($millions) | 2.3308% | 7,052 |
| Cash dividends to net income (ytd only)* | 48.8754% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3054% | 310 |
| Loan loss allowance to noncurrent loans | 18,636.3636% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,016 |
| Noncurrent loans to loans | 0.0231% | 6,883 |
| Net loans and leases to total assets | 78.1977% | 690 |
| Net loans and leases to deposits | 98.5466% | 547 |
| Net loans and leases to core deposits | 102.2347% | 1,085 |
| Total domestic deposits to total assets | 79.3509% | 5,899 |
| Equity capital to assets | 14.4863% | 997 |
| Core capital (leverage) ratio | 15.0388% | 654 |
| Tier 1 risk-based capital ratio | 17.0929% | 2,607 |
| Total risk-based capital ratio | 18.3788% | 2,552 |
| Memoranda: | ||
| Average total assets | $59,053,500 | 6,124 |
| Average earning assets | $56,866,250 | 6,006 |
| Average equity | $8,171,750 | 5,547 |
| Average total loans | $49,306,500 | 5,333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1859% | 40 |
| Cost of funding earning assets | 1.1417% | 2,960 |
| Net interest margin | 8.0442% | 37 |
| Noninterest income to average assets | 0.3911% | 4,749 |
| Noninterest expense to average assets | 5.1859% | 316 |
| Loan and lease loss provision to assets | 0.7789% | 1,194 |
| Net operating income to assets | 2.0939% | 302 |
| Return on assets (ROA) | 2.0939% | 310 |
| Pretax return on assets | 2.1715% | 431 |
| Return on Equity (ROE) | 15.3675% | 737 |
| Retained earnings to average equity (ytd only) | 7.2754% | 1,753 |
| Net charge-offs to loans | 0.4612% | 2,734 |
| Credit loss provision to net charge-offs | 200.8696% | 1,501 |
| Earnings coverage of net charge-offs (x) | 7.6087% | 2,196 |
| Efficiency ratio | 63.7381% | 5,288 |
| Assets per employee ($millions) | 2.4514% | 6,969 |
| Cash dividends to net income (ytd only)* | 52.6570% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2476% | 345 |
| Loan loss allowance to noncurrent loans | 11,388.8889% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 7,019 |
| Noncurrent loans to loans | 0.0373% | 6,891 |
| Net loans and leases to total assets | 81.9623% | 373 |
| Net loans and leases to deposits | 103.5424% | 333 |
| Net loans and leases to core deposits | 106.9376% | 869 |
| Total domestic deposits to total assets | 79.1582% | 6,047 |
| Equity capital to assets | 14.6075% | 911 |
| Core capital (leverage) ratio | 13.8896% | 893 |
| Tier 1 risk-based capital ratio | 16.6055% | 2,693 |
| Total risk-based capital ratio | 17.8919% | 2,633 |
| Memoranda: | ||
| Average total assets | $59,315,000 | 6,166 |
| Average earning assets | $57,109,330 | 6,052 |
| Average equity | $8,082,000 | 5,588 |
| Average total loans | $49,870,330 | 5,358 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0101% | 43 |
| Cost of funding earning assets | 1.1562% | 3,114 |
| Net interest margin | 7.8539% | 40 |
| Noninterest income to average assets | 0.3883% | 4,804 |
| Noninterest expense to average assets | 4.8107% | 431 |
| Loan and lease loss provision to assets | 0.8687% | 941 |
| Net operating income to assets | 2.1849% | 268 |
| Return on assets (ROA) | 2.1849% | 279 |
| Pretax return on assets | 2.2638% | 360 |
| Return on Equity (ROE) | 16.5896% | 616 |
| Retained earnings to average equity (ytd only) | 6.2961% | 2,463 |
| Net charge-offs to loans | 0.3315% | 2,729 |
| Credit loss provision to net charge-offs | 314.2857% | 1,027 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 1,559 |
| Efficiency ratio | 60.5634% | 5,898 |
| Assets per employee ($millions) | 2.7755% | 6,575 |
| Cash dividends to net income (ytd only)* | 62.0482% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0616% | 409 |
| Loan loss allowance to noncurrent loans | 6,133.3333% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 7,028 |
| Noncurrent loans to loans | 0.0662% | 6,877 |
| Net loans and leases to total assets | 78.2971% | 695 |
| Net loans and leases to deposits | 97.8409% | 581 |
| Net loans and leases to core deposits | 102.3703% | 1,175 |
| Total domestic deposits to total assets | 80.0249% | 5,941 |
| Equity capital to assets | 13.2130% | 1,295 |
| Core capital (leverage) ratio | 13.3318% | 1,017 |
| Tier 1 risk-based capital ratio | 15.5795% | 3,115 |
| Total risk-based capital ratio | 16.8617% | 3,059 |
| Memoranda: | ||
| Average total assets | $60,781,500 | 6,162 |
| Average earning assets | $58,468,000 | 6,049 |
| Average equity | $8,005,000 | 5,604 |
| Average total loans | $50,674,500 | 5,373 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0542% | 45 |
| Cost of funding earning assets | 1.3795% | 3,396 |
| Net interest margin | 7.6747% | 40 |
| Noninterest income to average assets | 0.2251% | 6,193 |
| Noninterest expense to average assets | 4.5486% | 621 |
| Loan and lease loss provision to assets | 1.1522% | 1,378 |
| Net operating income to assets | 1.8508% | 374 |
| Return on assets (ROA) | 1.8508% | 405 |
| Pretax return on assets | 1.9175% | 589 |
| Return on Equity (ROE) | 14.4137% | 812 |
| Retained earnings to average equity (ytd only) | 6.8952% | 1,368 |
| Net charge-offs to loans | 0.8083% | 2,611 |
| Credit loss provision to net charge-offs | 166.1058% | 2,060 |
| Earnings coverage of net charge-offs (x) | 4.4255% | 2,930 |
| Efficiency ratio | 59.7067% | 6,090 |
| Assets per employee ($millions) | 2.8810% | 6,375 |
| Cash dividends to net income (ytd only)* | 52.1622% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7561% | 496 |
| Loan loss allowance to noncurrent loans | 1,743.2432% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 6,771 |
| Noncurrent loans to loans | 0.2155% | 6,641 |
| Net loans and leases to total assets | 81.9494% | 452 |
| Net loans and leases to deposits | 102.3534% | 471 |
| Net loans and leases to core deposits | 107.1211% | 1,117 |
| Total domestic deposits to total assets | 80.0651% | 5,815 |
| Equity capital to assets | 13.1268% | 1,332 |
| Core capital (leverage) ratio | 12.9909% | 1,130 |
| Tier 1 risk-based capital ratio | 14.9463% | 3,282 |
| Total risk-based capital ratio | 16.2260% | 3,217 |
| Memoranda: | ||
| Average total assets | $59,974,400 | 6,205 |
| Average earning assets | $57,774,600 | 6,070 |
| Average equity | $7,701,000 | 5,808 |
| Average total loans | $51,467,400 | 5,425 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9773% | 46 |
| Cost of funding earning assets | 1.4110% | 3,516 |
| Net interest margin | 7.5663% | 43 |
| Noninterest income to average assets | 0.2027% | 6,447 |
| Noninterest expense to average assets | 4.4449% | 632 |
| Loan and lease loss provision to assets | 1.2811% | 1,095 |
| Net operating income to assets | 1.7022% | 622 |
| Return on assets (ROA) | 1.7022% | 674 |
| Pretax return on assets | 1.7646% | 985 |
| Return on Equity (ROE) | 13.3317% | 1,178 |
| Retained earnings to average equity (ytd only) | 8.6028% | 1,202 |
| Net charge-offs to loans | 0.9769% | 2,045 |
| Credit loss provision to net charge-offs | 152.5199% | 2,541 |
| Earnings coverage of net charge-offs (x) | 3.6260% | 3,365 |
| Efficiency ratio | 59.3397% | 6,060 |
| Assets per employee ($millions) | 3.0899% | 5,940 |
| Cash dividends to net income (ytd only)* | 35.4708% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5213% | 529 |
| Loan loss allowance to noncurrent loans | 1,915.4639% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 6,965 |
| Noncurrent loans to loans | 0.1838% | 6,815 |
| Net loans and leases to total assets | 82.3748% | 453 |
| Net loans and leases to deposits | 102.5008% | 508 |
| Net loans and leases to core deposits | 107.1389% | 1,227 |
| Total domestic deposits to total assets | 80.3651% | 5,590 |
| Equity capital to assets | 12.7901% | 1,687 |
| Core capital (leverage) ratio | 13.0712% | 1,201 |
| Tier 1 risk-based capital ratio | 14.6615% | 3,418 |
| Total risk-based capital ratio | 15.9395% | 3,376 |
| Memoranda: | ||
| Average total assets | $59,842,500 | 6,276 |
| Average earning assets | $57,640,000 | 6,140 |
| Average equity | $7,640,750 | 5,903 |
| Average total loans | $51,455,250 | 5,506 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9160% | 48 |
| Cost of funding earning assets | 1.4603% | 3,495 |
| Net interest margin | 7.4557% | 45 |
| Noninterest income to average assets | 0.2061% | 6,439 |
| Noninterest expense to average assets | 4.4433% | 613 |
| Loan and lease loss provision to assets | 1.3448% | 1,008 |
| Net operating income to assets | 1.5374% | 831 |
| Return on assets (ROA) | 1.5374% | 891 |
| Pretax return on assets | 1.5948% | 1,322 |
| Return on Equity (ROE) | 12.0482% | 1,440 |
| Retained earnings to average equity (ytd only) | 8.2616% | 1,349 |
| Net charge-offs to loans | 1.0780% | 1,747 |
| Credit loss provision to net charge-offs | 144.7273% | 2,746 |
| Earnings coverage of net charge-offs (x) | 3.1636% | 3,424 |
| Efficiency ratio | 60.1831% | 6,016 |
| Assets per employee ($millions) | 3.1282% | 5,850 |
| Cash dividends to net income (ytd only)* | 31.4286% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4591% | 562 |
| Loan loss allowance to noncurrent loans | 17,830.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 7,368 |
| Noncurrent loans to loans | 0.0194% | 7,279 |
| Net loans and leases to total assets | 83.7237% | 377 |
| Net loans and leases to deposits | 106.9897% | 351 |
| Net loans and leases to core deposits | 111.2224% | 1,084 |
| Total domestic deposits to total assets | 78.2539% | 6,212 |
| Equity capital to assets | 12.9955% | 1,570 |
| Core capital (leverage) ratio | 13.0621% | 1,186 |
| Tier 1 risk-based capital ratio | 14.8251% | 3,252 |
| Total risk-based capital ratio | 16.1014% | 3,209 |
| Memoranda: | ||
| Average total assets | $59,190,670 | 6,342 |
| Average earning assets | $56,976,330 | 6,201 |
| Average equity | $7,553,000 | 5,946 |
| Average total loans | $51,019,000 | 5,564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8139% | 55 |
| Cost of funding earning assets | 1.5053% | 3,518 |
| Net interest margin | 7.3086% | 55 |
| Noninterest income to average assets | 0.3183% | 5,600 |
| Noninterest expense to average assets | 4.4897% | 584 |
| Loan and lease loss provision to assets | 1.5846% | 732 |
| Net operating income to assets | 1.2325% | 1,455 |
| Return on assets (ROA) | 1.2325% | 1,529 |
| Pretax return on assets | 1.2799% | 2,106 |
| Return on Equity (ROE) | 9.7489% | 2,190 |
| Retained earnings to average equity (ytd only) | 5.9993% | 2,624 |
| Net charge-offs to loans | 1.4186% | 1,218 |
| Credit loss provision to net charge-offs | 130.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.3500% | 3,369 |
| Efficiency ratio | 61.0497% | 5,995 |
| Assets per employee ($millions) | 3.0039% | 6,209 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3350% | 616 |
| Loan loss allowance to noncurrent loans | 6,856.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 7,387 |
| Noncurrent loans to loans | 0.0486% | 7,286 |
| Net loans and leases to total assets | 82.6939% | 510 |
| Net loans and leases to deposits | 102.5302% | 611 |
| Net loans and leases to core deposits | 106.9790% | 1,495 |
| Total domestic deposits to total assets | 80.6532% | 5,570 |
| Equity capital to assets | 12.5223% | 1,746 |
| Core capital (leverage) ratio | 12.8364% | 1,280 |
| Tier 1 risk-based capital ratio | 14.4138% | 3,433 |
| Total risk-based capital ratio | 15.6898% | 3,385 |
| Memoranda: | ||
| Average total assets | $59,068,000 | 6,429 |
| Average earning assets | $56,864,500 | 6,282 |
| Average equity | $7,467,500 | 6,029 |
| Average total loans | $50,756,000 | 5,639 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7727% | 52 |
| Cost of funding earning assets | 2.2916% | 1,693 |
| Net interest margin | 6.4810% | 73 |
| Noninterest income to average assets | 0.1968% | 6,687 |
| Noninterest expense to average assets | 4.1662% | 1,138 |
| Loan and lease loss provision to assets | 1.7963% | 1,262 |
| Net operating income to assets | 0.4726% | 3,846 |
| Return on assets (ROA) | 0.4726% | 3,953 |
| Pretax return on assets | 0.4894% | 4,211 |
| Return on Equity (ROE) | 3.8534% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.0855% | 3,003 |
| Net charge-offs to loans | 1.9677% | 1,252 |
| Credit loss provision to net charge-offs | 106.1630% | 5,220 |
| Earnings coverage of net charge-offs (x) | 1.3509% | 4,782 |
| Efficiency ratio | 64.5725% | 5,666 |
| Assets per employee ($millions) | 2.9030% | 6,452 |
| Cash dividends to net income (ytd only)* | 19.9288% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3122% | 600 |
| Loan loss allowance to noncurrent loans | 2,075.0000% | 197 |
| Noncurrent assets plus other real estate owned to assets | 1.2126% | 4,671 |
| Noncurrent loans to loans | 0.1596% | 7,028 |
| Net loans and leases to total assets | 83.4634% | 494 |
| Net loans and leases to deposits | 102.9466% | 698 |
| Net loans and leases to core deposits | 145.3101% | 633 |
| Total domestic deposits to total assets | 81.0744% | 5,320 |
| Equity capital to assets | 12.7663% | 1,607 |
| Core capital (leverage) ratio | 12.5502% | 1,427 |
| Tier 1 risk-based capital ratio | 14.4534% | 3,238 |
| Total risk-based capital ratio | 15.7287% | 3,173 |
| Memoranda: | ||
| Average total assets | $59,455,000 | 6,374 |
| Average earning assets | $57,382,800 | 6,236 |
| Average equity | $7,292,200 | 6,176 |
| Average total loans | $51,126,000 | 5,618 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6757% | 54 |
| Cost of funding earning assets | 2.4139% | 1,581 |
| Net interest margin | 6.2618% | 88 |
| Noninterest income to average assets | 0.2207% | 6,650 |
| Noninterest expense to average assets | 4.0910% | 1,160 |
| Loan and lease loss provision to assets | 1.8371% | 1,011 |
| Net operating income to assets | 0.3366% | 4,651 |
| Return on assets (ROA) | 0.3366% | 4,748 |
| Pretax return on assets | 0.3478% | 4,936 |
| Return on Equity (ROE) | 2.7723% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.7723% | 3,783 |
| Net charge-offs to loans | 1.9774% | 1,001 |
| Credit loss provision to net charge-offs | 108.1365% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.2861% | 4,812 |
| Efficiency ratio | 65.1865% | 5,517 |
| Assets per employee ($millions) | 3.1199% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2607% | 520 |
| Loan loss allowance to noncurrent loans | 203.4314% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 4,339 |
| Noncurrent loans to loans | 1.6029% | 4,232 |
| Net loans and leases to total assets | 83.0800% | 658 |
| Net loans and leases to deposits | 101.9901% | 922 |
| Net loans and leases to core deposits | 144.0198% | 764 |
| Total domestic deposits to total assets | 81.4589% | 4,893 |
| Equity capital to assets | 12.3788% | 2,013 |
| Core capital (leverage) ratio | 12.4186% | 1,612 |
| Tier 1 risk-based capital ratio | 14.2483% | 3,412 |
| Total risk-based capital ratio | 15.5220% | 3,345 |
| Memoranda: | ||
| Average total assets | $59,804,000 | 6,398 |
| Average earning assets | $57,830,500 | 6,265 |
| Average equity | $7,262,250 | 6,241 |
| Average total loans | $51,378,000 | 5,652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5167% | 60 |
| Cost of funding earning assets | 2.5533% | 1,434 |
| Net interest margin | 5.9634% | 115 |
| Noninterest income to average assets | 0.2634% | 6,388 |
| Noninterest expense to average assets | 4.0714% | 1,226 |
| Loan and lease loss provision to assets | 1.6306% | 1,028 |
| Net operating income to assets | 0.3301% | 4,760 |
| Return on assets (ROA) | 0.3301% | 4,874 |
| Pretax return on assets | 0.3401% | 5,100 |
| Return on Equity (ROE) | 2.7359% | 5,002 |
| Retained earnings to average equity (ytd only) | 2.7359% | 3,808 |
| Net charge-offs to loans | 1.8007% | 1,047 |
| Credit loss provision to net charge-offs | 105.3879% | 4,361 |
| Earnings coverage of net charge-offs (x) | 1.2737% | 4,573 |
| Efficiency ratio | 67.3841% | 5,275 |
| Assets per employee ($millions) | 3.0058% | 6,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1988% | 486 |
| Loan loss allowance to noncurrent loans | 190.2696% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 3,995 |
| Noncurrent loans to loans | 1.6812% | 3,979 |
| Net loans and leases to total assets | 85.9992% | 378 |
| Net loans and leases to deposits | 106.4801% | 741 |
| Net loans and leases to core deposits | 144.8478% | 805 |
| Total domestic deposits to total assets | 80.7655% | 5,167 |
| Equity capital to assets | 12.7576% | 1,809 |
| Core capital (leverage) ratio | 12.5090% | 1,623 |
| Tier 1 risk-based capital ratio | 14.3932% | 3,308 |
| Total risk-based capital ratio | 15.6674% | 3,230 |
| Memoranda: | ||
| Average total assets | $59,979,000 | 6,445 |
| Average earning assets | $58,121,000 | 6,307 |
| Average equity | $7,237,000 | 6,292 |
| Average total loans | $51,534,330 | 5,694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4293% | 67 |
| Cost of funding earning assets | 2.7382% | 1,147 |
| Net interest margin | 5.6911% | 139 |
| Noninterest income to average assets | 0.3843% | 5,343 |
| Noninterest expense to average assets | 4.0903% | 1,076 |
| Loan and lease loss provision to assets | 1.4720% | 855 |
| Net operating income to assets | 0.3322% | 5,153 |
| Return on assets (ROA) | 0.3322% | 5,342 |
| Pretax return on assets | 0.3452% | 5,546 |
| Return on Equity (ROE) | 2.8284% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.8284% | 4,305 |
| Net charge-offs to loans | 1.7407% | 832 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 1.2345% | 4,133 |
| Efficiency ratio | 69.2393% | 4,730 |
| Assets per employee ($millions) | 3.3947% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1592% | 422 |
| Loan loss allowance to noncurrent loans | 160.1202% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.6333% | 3,459 |
| Noncurrent loans to loans | 1.9730% | 3,300 |
| Net loans and leases to total assets | 80.1637% | 1,350 |
| Net loans and leases to deposits | 98.9456% | 1,540 |
| Net loans and leases to core deposits | 143.8844% | 937 |
| Total domestic deposits to total assets | 81.0179% | 4,957 |
| Equity capital to assets | 11.8452% | 2,353 |
| Core capital (leverage) ratio | 11.5979% | 2,091 |
| Tier 1 risk-based capital ratio | 13.9660% | 3,612 |
| Total risk-based capital ratio | 15.2395% | 3,515 |
| Memoranda: | ||
| Average total assets | $61,413,000 | 6,424 |
| Average earning assets | $59,601,500 | 6,277 |
| Average equity | $7,212,500 | 6,332 |
| Average total loans | $51,932,500 | 5,723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4612% | 41 |
| Cost of funding earning assets | 3.2753% | 992 |
| Net interest margin | 7.1858% | 53 |
| Noninterest income to average assets | 0.1766% | 7,171 |
| Noninterest expense to average assets | 4.3304% | 1,009 |
| Loan and lease loss provision to assets | 2.7588% | 351 |
| Net operating income to assets | 0.0692% | 6,183 |
| Return on assets (ROA) | 0.0692% | 6,038 |
| Pretax return on assets | 0.0710% | 6,007 |
| Return on Equity (ROE) | 0.5202% | 6,065 |
| Retained earnings to average equity (ytd only) | -1.4100% | 5,713 |
| Net charge-offs to loans | 2.8883% | 311 |
| Credit loss provision to net charge-offs | 105.8700% | 5,059 |
| Earnings coverage of net charge-offs (x) | 1.0860% | 5,582 |
| Efficiency ratio | 60.4781% | 6,263 |
| Assets per employee ($millions) | 3.4289% | 4,857 |
| Cash dividends to net income (ytd only)* | 371.0526% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9991% | 432 |
| Loan loss allowance to noncurrent loans | 159.8000% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 3,007 |
| Noncurrent loans to loans | 1.8768% | 2,945 |
| Net loans and leases to total assets | 83.7397% | 930 |
| Net loans and leases to deposits | 103.0115% | 1,466 |
| Net loans and leases to core deposits | 152.0863% | 780 |
| Total domestic deposits to total assets | 81.2916% | 4,518 |
| Equity capital to assets | 11.6443% | 2,537 |
| Core capital (leverage) ratio | 12.1214% | 1,915 |
| Tier 1 risk-based capital ratio | 13.3839% | 3,879 |
| Total risk-based capital ratio | 14.6576% | 3,771 |
| Memoranda: | ||
| Average total assets | $54,914,200 | 6,581 |
| Average earning assets | $53,368,800 | 6,446 |
| Average equity | $7,304,800 | 6,348 |
| Average total loans | $49,544,200 | 5,722 |