Home > Union Bank & Trust Company > Performance and Condition Ratios
Union Bank & Trust Company, 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 | 6.2310% | 910 |
| Cost of funding earning assets | 0.9637% | 4,024 |
| Net interest margin | 5.2673% | 205 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 3.0520% | 1,063 |
| Loan and lease loss provision to assets | 0.4200% | 233 |
| Net operating income to assets | 1.8111% | 628 |
| Return on assets (ROA) | 1.8111% | 624 |
| Pretax return on assets | 1.9368% | 778 |
| Return on Equity (ROE) | 14.7000% | 1,132 |
| Retained earnings to average equity (ytd only) | -26.6689% | 4,413 |
| Net charge-offs to loans | 0.1219% | 744 |
| Credit loss provision to net charge-offs | 505.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 28.1500% | 1,278 |
| Efficiency ratio | 56.3904% | 3,373 |
| Assets per employee ($millions) | 6.0029% | 2,931 |
| Cash dividends to net income (ytd only)* | 281.4815% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 575 |
| Loan loss allowance to noncurrent loans | 329.8592% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 1,132 |
| Noncurrent loans to loans | 0.5326% | 1,784 |
| Net loans and leases to total assets | 68.1800% | 2,066 |
| Net loans and leases to deposits | 78.0228% | 2,228 |
| Net loans and leases to core deposits | 84.0452% | 2,451 |
| Total domestic deposits to total assets | 87.3800% | 1,779 |
| Equity capital to assets | 12.0244% | 1,211 |
| Core capital (leverage) ratio | 12.9706% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $95,413,500 | 3,815 |
| Average earning assets | $90,900,500 | 3,772 |
| Average equity | $11,759,000 | 3,633 |
| Average total loans | $65,615,500 | 3,638 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0267% | 1,248 |
| Cost of funding earning assets | 1.0188% | 4,018 |
| Net interest margin | 5.0079% | 329 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 3.0197% | 1,118 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 1.7732% | 575 |
| Return on assets (ROA) | 1.7732% | 570 |
| Pretax return on assets | 1.8963% | 716 |
| Return on Equity (ROE) | 14.7200% | 987 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 1.3878% | 107 |
| Credit loss provision to net charge-offs | 12.7778% | 2,494 |
| Earnings coverage of net charge-offs (x) | 2.1478% | 2,844 |
| Efficiency ratio | 59.9627% | 3,168 |
| Assets per employee ($millions) | 6.3187% | 2,637 |
| Cash dividends to net income (ytd only)* | 100.0000% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 668 |
| Loan loss allowance to noncurrent loans | 228.5115% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 1,419 |
| Noncurrent loans to loans | 0.7387% | 1,340 |
| Net loans and leases to total assets | 66.9800% | 2,262 |
| Net loans and leases to deposits | 77.2526% | 2,344 |
| Net loans and leases to core deposits | 85.5885% | 2,415 |
| Total domestic deposits to total assets | 86.7100% | 1,966 |
| Equity capital to assets | 12.6281% | 996 |
| Core capital (leverage) ratio | 13.8394% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $95,870,200 | 3,811 |
| Average earning assets | $90,795,800 | 3,777 |
| Average equity | $11,551,600 | 3,634 |
| Average total loans | $64,851,200 | 3,634 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9433% | 1,339 |
| Cost of funding earning assets | 1.0131% | 4,035 |
| Net interest margin | 4.9302% | 364 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 2.9913% | 1,119 |
| Loan and lease loss provision to assets | 0.2300% | 492 |
| Net operating income to assets | 1.6863% | 712 |
| Return on assets (ROA) | 1.6863% | 713 |
| Pretax return on assets | 1.8028% | 866 |
| Return on Equity (ROE) | 14.1600% | 1,115 |
| Retained earnings to average equity (ytd only) | -5.6373% | 4,350 |
| Net charge-offs to loans | 1.5999% | 82 |
| Credit loss provision to net charge-offs | 21.6945% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.8858% | 2,624 |
| Efficiency ratio | 59.4870% | 3,218 |
| Assets per employee ($millions) | 6.4125% | 2,577 |
| Cash dividends to net income (ytd only)* | 139.8026% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 433 |
| Loan loss allowance to noncurrent loans | 183.8663% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 997 |
| Noncurrent loans to loans | 1.0593% | 941 |
| Net loans and leases to total assets | 66.2100% | 2,294 |
| Net loans and leases to deposits | 75.9566% | 2,527 |
| Net loans and leases to core deposits | 83.8473% | 2,578 |
| Total domestic deposits to total assets | 87.1600% | 1,537 |
| Equity capital to assets | 12.2605% | 1,187 |
| Core capital (leverage) ratio | 13.6207% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $96,142,500 | 3,823 |
| Average earning assets | $90,811,750 | 3,793 |
| Average equity | $11,447,250 | 3,649 |
| Average total loans | $64,919,750 | 3,650 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8833% | 1,333 |
| Cost of funding earning assets | 0.9941% | 4,024 |
| Net interest margin | 4.8892% | 379 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.9565% | 1,158 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 1.6624% | 724 |
| Return on assets (ROA) | 1.6624% | 723 |
| Pretax return on assets | 1.7768% | 877 |
| Return on Equity (ROE) | 14.1000% | 1,140 |
| Retained earnings to average equity (ytd only) | -15.9019% | 4,482 |
| Net charge-offs to loans | 0.1232% | 771 |
| Credit loss provision to net charge-offs | 160.0000% | 1,172 |
| Earnings coverage of net charge-offs (x) | 22.9500% | 1,555 |
| Efficiency ratio | 60.7525% | 3,137 |
| Assets per employee ($millions) | 6.7914% | 2,208 |
| Cash dividends to net income (ytd only)* | 212.7660% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9025% | 164 |
| Loan loss allowance to noncurrent loans | 89.4910% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2381% | 145 |
| Noncurrent loans to loans | 3.2434% | 165 |
| Net loans and leases to total assets | 66.8100% | 2,261 |
| Net loans and leases to deposits | 75.7708% | 2,562 |
| Net loans and leases to core deposits | 82.2516% | 2,658 |
| Total domestic deposits to total assets | 88.1800% | 1,256 |
| Equity capital to assets | 11.3010% | 1,422 |
| Core capital (leverage) ratio | 12.8589% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $96,127,667 | 3,839 |
| Average earning assets | $91,140,000 | 3,806 |
| Average equity | $11,332,000 | 3,647 |
| Average total loans | $64,910,667 | 3,657 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7883% | 1,327 |
| Cost of funding earning assets | 1.0097% | 3,977 |
| Net interest margin | 4.7786% | 420 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 2.8515% | 1,338 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.5189% | 866 |
| Return on assets (ROA) | 1.5189% | 881 |
| Pretax return on assets | 1.6223% | 1,068 |
| Return on Equity (ROE) | 12.6300% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.6274% | 648 |
| Net charge-offs to loans | 0.0557% | 994 |
| Credit loss provision to net charge-offs | 777.7778% | 388 |
| Earnings coverage of net charge-offs (x) | 51.3333% | 953 |
| Efficiency ratio | 59.8610% | 3,279 |
| Assets per employee ($millions) | 5.8744% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9655% | 127 |
| Loan loss allowance to noncurrent loans | 99.6910% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 2.0747% | 152 |
| Noncurrent loans to loans | 2.9747% | 168 |
| Net loans and leases to total assets | 67.4000% | 2,080 |
| Net loans and leases to deposits | 77.6219% | 2,269 |
| Net loans and leases to core deposits | 84.2786% | 2,427 |
| Total domestic deposits to total assets | 86.8300% | 1,833 |
| Equity capital to assets | 12.5226% | 983 |
| Core capital (leverage) ratio | 14.0551% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $96,651,500 | 3,851 |
| Average earning assets | $91,909,500 | 3,818 |
| Average equity | $11,625,500 | 3,624 |
| Average total loans | $64,653,000 | 3,668 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 1,192 |
| Cost of funding earning assets | 0.7526% | 3,850 |
| Net interest margin | 4.7252% | 464 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.6872% | 1,768 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.8156% | 596 |
| Return on assets (ROA) | 1.7174% | 678 |
| Pretax return on assets | 1.8371% | 848 |
| Return on Equity (ROE) | 15.9600% | 1,103 |
| Retained earnings to average equity (ytd only) | -0.3084% | 4,123 |
| Net charge-offs to loans | 0.4036% | 255 |
| Credit loss provision to net charge-offs | 46.8750% | 2,206 |
| Earnings coverage of net charge-offs (x) | 8.0117% | 2,371 |
| Efficiency ratio | 56.5650% | 3,437 |
| Assets per employee ($millions) | 6.2071% | 2,630 |
| Cash dividends to net income (ytd only)* | 101.9332% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9287% | 123 |
| Loan loss allowance to noncurrent loans | 104.1088% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.8225% | 175 |
| Noncurrent loans to loans | 2.8131% | 159 |
| Net loans and leases to total assets | 62.5800% | 2,615 |
| Net loans and leases to deposits | 71.2376% | 2,803 |
| Net loans and leases to core deposits | 77.1169% | 2,909 |
| Total domestic deposits to total assets | 87.8400% | 1,407 |
| Equity capital to assets | 11.5604% | 1,262 |
| Core capital (leverage) ratio | 13.5967% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6024% | 350 |
| Memoranda: | ||
| Average total assets | $99,396,200 | 3,841 |
| Average earning assets | $95,000,600 | 3,790 |
| Average equity | $10,698,800 | 3,645 |
| Average total loans | $63,423,400 | 3,657 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 1,140 |
| Cost of funding earning assets | 0.6547% | 3,856 |
| Net interest margin | 4.7410% | 438 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.6635% | 1,751 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.8114% | 656 |
| Return on assets (ROA) | 1.6791% | 817 |
| Pretax return on assets | 1.7958% | 1,017 |
| Return on Equity (ROE) | 15.8900% | 1,274 |
| Retained earnings to average equity (ytd only) | -6.1948% | 4,446 |
| Net charge-offs to loans | 0.5479% | 158 |
| Credit loss provision to net charge-offs | 52.3077% | 1,883 |
| Earnings coverage of net charge-offs (x) | 6.0769% | 2,318 |
| Efficiency ratio | 55.6927% | 3,420 |
| Assets per employee ($millions) | 6.4058% | 2,393 |
| Cash dividends to net income (ytd only)* | 138.9776% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9048% | 130 |
| Loan loss allowance to noncurrent loans | 103.3406% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.9118% | 156 |
| Noncurrent loans to loans | 2.8109% | 155 |
| Net loans and leases to total assets | 65.6400% | 2,275 |
| Net loans and leases to deposits | 73.9935% | 2,563 |
| Net loans and leases to core deposits | 80.1125% | 2,593 |
| Total domestic deposits to total assets | 88.7200% | 1,342 |
| Equity capital to assets | 10.7673% | 1,448 |
| Core capital (leverage) ratio | 13.0516% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $99,417,000 | 3,852 |
| Average earning assets | $95,307,500 | 3,805 |
| Average equity | $10,503,250 | 3,667 |
| Average total loans | $63,273,750 | 3,666 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 1,194 |
| Cost of funding earning assets | 0.5450% | 3,897 |
| Net interest margin | 4.6686% | 485 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.6739% | 1,704 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 1.9389% | 519 |
| Return on assets (ROA) | 1.8940% | 558 |
| Pretax return on assets | 2.0253% | 718 |
| Return on Equity (ROE) | 18.0400% | 950 |
| Retained earnings to average equity (ytd only) | -14.9304% | 4,559 |
| Net charge-offs to loans | 0.8133% | 104 |
| Credit loss provision to net charge-offs | -3.5294% | 4,494 |
| Earnings coverage of net charge-offs (x) | 4.0510% | 2,236 |
| Efficiency ratio | 56.5419% | 3,349 |
| Assets per employee ($millions) | 7.1056% | 1,844 |
| Cash dividends to net income (ytd only)* | 182.7731% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7183% | 169 |
| Loan loss allowance to noncurrent loans | 93.7198% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.8848% | 150 |
| Noncurrent loans to loans | 2.9005% | 150 |
| Net loans and leases to total assets | 62.8100% | 2,498 |
| Net loans and leases to deposits | 70.3517% | 2,756 |
| Net loans and leases to core deposits | 75.5855% | 2,784 |
| Total domestic deposits to total assets | 89.2800% | 1,146 |
| Equity capital to assets | 10.3450% | 1,660 |
| Core capital (leverage) ratio | 12.6000% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $100,527,000 | 3,858 |
| Average earning assets | $96,516,333 | 3,809 |
| Average equity | $10,555,667 | 3,672 |
| Average total loans | $62,711,000 | 3,675 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 1,030 |
| Cost of funding earning assets | 0.4288% | 3,888 |
| Net interest margin | 4.7166% | 432 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.7392% | 1,571 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 1.7390% | 765 |
| Return on assets (ROA) | 1.6506% | 907 |
| Pretax return on assets | 1.7654% | 1,140 |
| Return on Equity (ROE) | 15.6100% | 1,441 |
| Retained earnings to average equity (ytd only) | -49.5135% | 4,667 |
| Net charge-offs to loans | 0.2002% | 364 |
| Credit loss provision to net charge-offs | 164.5161% | 913 |
| Earnings coverage of net charge-offs (x) | 16.8065% | 1,510 |
| Efficiency ratio | 57.0486% | 3,297 |
| Assets per employee ($millions) | 7.0684% | 1,926 |
| Cash dividends to net income (ytd only)* | 417.2662% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2595% | 114 |
| Loan loss allowance to noncurrent loans | 90.7101% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2767% | 93 |
| Noncurrent loans to loans | 3.5933% | 109 |
| Net loans and leases to total assets | 60.9200% | 2,564 |
| Net loans and leases to deposits | 67.8409% | 2,783 |
| Net loans and leases to core deposits | 72.5190% | 2,781 |
| Total domestic deposits to total assets | 89.7900% | 1,236 |
| Equity capital to assets | 9.8770% | 1,884 |
| Core capital (leverage) ratio | 12.0930% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $101,051,500 | 3,905 |
| Average earning assets | $97,019,500 | 3,851 |
| Average equity | $10,688,000 | 3,704 |
| Average total loans | $61,951,000 | 3,729 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 476 |
| Cost of funding earning assets | 0.1316% | 4,223 |
| Net interest margin | 4.6102% | 242 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.3399% | 2,615 |
| Loan and lease loss provision to assets | 0.5300% | 108 |
| Net operating income to assets | 1.6619% | 593 |
| Return on assets (ROA) | 1.6619% | 563 |
| Pretax return on assets | 1.7773% | 776 |
| Return on Equity (ROE) | 15.1500% | 1,221 |
| Retained earnings to average equity (ytd only) | 15.1481% | 283 |
| Net charge-offs to loans | 0.3268% | 230 |
| Credit loss provision to net charge-offs | 282.7411% | 943 |
| Earnings coverage of net charge-offs (x) | 12.2893% | 2,117 |
| Efficiency ratio | 50.3385% | 4,110 |
| Assets per employee ($millions) | 7.9343% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2422% | 292 |
| Loan loss allowance to noncurrent loans | 57.7100% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.3346% | 92 |
| Noncurrent loans to loans | 3.8853% | 94 |
| Net loans and leases to total assets | 58.3700% | 2,788 |
| Net loans and leases to deposits | 65.9077% | 2,896 |
| Net loans and leases to core deposits | 68.9485% | 2,947 |
| Total domestic deposits to total assets | 88.5700% | 1,856 |
| Equity capital to assets | 11.2481% | 1,165 |
| Core capital (leverage) ratio | 13.7286% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $104,877,000 | 3,887 |
| Average earning assets | $100,321,400 | 3,835 |
| Average equity | $11,506,400 | 3,714 |
| Average total loans | $60,283,800 | 3,723 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 366 |
| Cost of funding earning assets | 0.1284% | 4,045 |
| Net interest margin | 4.5521% | 216 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.3194% | 2,572 |
| Loan and lease loss provision to assets | 0.4400% | 121 |
| Net operating income to assets | 1.7295% | 496 |
| Return on assets (ROA) | 1.7295% | 483 |
| Pretax return on assets | 1.8497% | 658 |
| Return on Equity (ROE) | 15.8600% | 1,007 |
| Retained earnings to average equity (ytd only) | 15.8614% | 292 |
| Net charge-offs to loans | 0.1712% | 388 |
| Credit loss provision to net charge-offs | 446.7532% | 657 |
| Earnings coverage of net charge-offs (x) | 23.4416% | 1,652 |
| Efficiency ratio | 50.3712% | 4,138 |
| Assets per employee ($millions) | 7.3402% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1532% | 376 |
| Loan loss allowance to noncurrent loans | 41.7910% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.9991% | 52 |
| Noncurrent loans to loans | 5.1524% | 56 |
| Net loans and leases to total assets | 56.9600% | 2,802 |
| Net loans and leases to deposits | 64.0634% | 2,863 |
| Net loans and leases to core deposits | 67.0282% | 2,877 |
| Total domestic deposits to total assets | 88.9000% | 2,132 |
| Equity capital to assets | 10.7461% | 1,271 |
| Core capital (leverage) ratio | 12.7290% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $105,309,750 | 3,903 |
| Average earning assets | $100,698,000 | 3,859 |
| Average equity | $11,482,500 | 3,768 |
| Average total loans | $59,957,000 | 3,747 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 243 |
| Cost of funding earning assets | 0.1282% | 3,864 |
| Net interest margin | 4.6127% | 163 |
| Noninterest income to average assets | 0.2581% | 3,627 |
| Noninterest expense to average assets | 2.3154% | 2,506 |
| Loan and lease loss provision to assets | 0.5124% | 101 |
| Net operating income to assets | 1.7182% | 408 |
| Return on assets (ROA) | 1.7182% | 403 |
| Pretax return on assets | 1.8369% | 547 |
| Return on Equity (ROE) | 15.6849% | 759 |
| Retained earnings to average equity (ytd only) | 15.6849% | 213 |
| Net charge-offs to loans | 0.2633% | 253 |
| Credit loss provision to net charge-offs | 344.3038% | 751 |
| Earnings coverage of net charge-offs (x) | 15.7848% | 1,634 |
| Efficiency ratio | 49.6365% | 4,269 |
| Assets per employee ($millions) | 8.2169% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 560 |
| Loan loss allowance to noncurrent loans | 38.2845% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 2.9685% | 62 |
| Noncurrent loans to loans | 5.2062% | 55 |
| Net loans and leases to total assets | 55.8828% | 2,774 |
| Net loans and leases to deposits | 62.4937% | 2,849 |
| Net loans and leases to core deposits | 65.4712% | 2,860 |
| Total domestic deposits to total assets | 89.4215% | 1,990 |
| Equity capital to assets | 10.3155% | 1,529 |
| Core capital (leverage) ratio | 12.2846% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,158,667 | 3,934 |
| Average earning assets | $101,416,667 | 3,897 |
| Average equity | $11,629,000 | 3,822 |
| Average total loans | $60,003,667 | 3,783 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 436 |
| Cost of funding earning assets | 0.1343% | 3,714 |
| Net interest margin | 4.1672% | 301 |
| Noninterest income to average assets | 0.2948% | 3,354 |
| Noninterest expense to average assets | 2.2754% | 2,595 |
| Loan and lease loss provision to assets | 0.2646% | 241 |
| Net operating income to assets | 1.6291% | 477 |
| Return on assets (ROA) | 1.6291% | 476 |
| Pretax return on assets | 1.7425% | 630 |
| Return on Equity (ROE) | 14.4461% | 745 |
| Retained earnings to average equity (ytd only) | 14.4461% | 336 |
| Net charge-offs to loans | 0.4433% | 154 |
| Credit loss provision to net charge-offs | 106.0606% | 978 |
| Earnings coverage of net charge-offs (x) | 8.0455% | 1,523 |
| Efficiency ratio | 53.1333% | 4,114 |
| Assets per employee ($millions) | 7.4901% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 992 |
| Loan loss allowance to noncurrent loans | 40.3226% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.4241% | 105 |
| Noncurrent loans to loans | 4.3033% | 83 |
| Net loans and leases to total assets | 55.3547% | 2,594 |
| Net loans and leases to deposits | 62.5496% | 2,668 |
| Net loans and leases to core deposits | 65.6325% | 2,665 |
| Total domestic deposits to total assets | 88.4973% | 2,297 |
| Equity capital to assets | 11.1489% | 1,266 |
| Core capital (leverage) ratio | 11.8713% | 1,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,828,000 | 3,962 |
| Average earning assets | $101,266,500 | 3,926 |
| Average equity | $11,934,000 | 3,869 |
| Average total loans | $59,551,500 | 3,799 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 412 |
| Cost of funding earning assets | 0.1932% | 3,541 |
| Net interest margin | 4.5180% | 262 |
| Noninterest income to average assets | 2.0999% | 290 |
| Noninterest expense to average assets | 2.3510% | 2,656 |
| Loan and lease loss provision to assets | 0.2432% | 392 |
| Net operating income to assets | 3.6387% | 71 |
| Return on assets (ROA) | 3.6387% | 75 |
| Pretax return on assets | 3.7657% | 89 |
| Return on Equity (ROE) | 32.0794% | 57 |
| Retained earnings to average equity (ytd only) | 16.1959% | 164 |
| Net charge-offs to loans | -0.0101% | 3,743 |
| Credit loss provision to net charge-offs | -4,116.6667% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9659% | 4,738 |
| Assets per employee ($millions) | 7.6281% | 1,537 |
| Cash dividends to net income (ytd only)* | 49.5130% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 1,042 |
| Loan loss allowance to noncurrent loans | 38.2971% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 2.9655% | 72 |
| Noncurrent loans to loans | 4.4410% | 89 |
| Net loans and leases to total assets | 55.2568% | 2,708 |
| Net loans and leases to deposits | 62.6198% | 2,820 |
| Net loans and leases to core deposits | 65.6568% | 2,849 |
| Total domestic deposits to total assets | 88.2418% | 1,911 |
| Equity capital to assets | 11.4023% | 1,554 |
| Core capital (leverage) ratio | 11.4749% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,574,400 | 3,972 |
| Average earning assets | $95,773,000 | 3,956 |
| Average equity | $11,521,400 | 3,977 |
| Average total loans | $59,452,400 | 3,825 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 396 |
| Cost of funding earning assets | 0.2099% | 3,516 |
| Net interest margin | 4.6136% | 257 |
| Noninterest income to average assets | 0.4694% | 2,755 |
| Noninterest expense to average assets | 2.4267% | 2,353 |
| Loan and lease loss provision to assets | 0.2104% | 472 |
| Net operating income to assets | 2.0185% | 443 |
| Return on assets (ROA) | 2.0185% | 468 |
| Pretax return on assets | 2.1581% | 597 |
| Return on Equity (ROE) | 17.8204% | 649 |
| Retained earnings to average equity (ytd only) | 17.8204% | 202 |
| Net charge-offs to loans | -0.0382% | 4,237 |
| Credit loss provision to net charge-offs | -929.4118% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6101% | 4,164 |
| Assets per employee ($millions) | 7.4401% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 1,365 |
| Loan loss allowance to noncurrent loans | 34.0188% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 3.2641% | 66 |
| Noncurrent loans to loans | 4.6689% | 88 |
| Net loans and leases to total assets | 56.0934% | 2,720 |
| Net loans and leases to deposits | 63.6374% | 2,888 |
| Net loans and leases to core deposits | 66.8169% | 2,881 |
| Total domestic deposits to total assets | 88.1454% | 1,749 |
| Equity capital to assets | 11.5714% | 1,627 |
| Core capital (leverage) ratio | 11.3713% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,269,500 | 4,037 |
| Average earning assets | $94,010,000 | 4,022 |
| Average equity | $11,357,500 | 4,050 |
| Average total loans | $59,307,500 | 3,877 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 289 |
| Cost of funding earning assets | 0.2233% | 3,527 |
| Net interest margin | 4.8940% | 195 |
| Noninterest income to average assets | 0.5436% | 2,434 |
| Noninterest expense to average assets | 2.4936% | 2,165 |
| Loan and lease loss provision to assets | 0.3092% | 270 |
| Net operating income to assets | 2.1521% | 371 |
| Return on assets (ROA) | 2.1521% | 385 |
| Pretax return on assets | 2.3017% | 477 |
| Return on Equity (ROE) | 19.1449% | 527 |
| Retained earnings to average equity (ytd only) | 19.1449% | 181 |
| Net charge-offs to loans | -0.0472% | 4,348 |
| Credit loss provision to net charge-offs | -1,092.8571% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8519% | 4,335 |
| Assets per employee ($millions) | 6.3719% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,390 |
| Loan loss allowance to noncurrent loans | 35.6326% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 3.3438% | 82 |
| Noncurrent loans to loans | 4.3810% | 114 |
| Net loans and leases to total assets | 57.8317% | 2,689 |
| Net loans and leases to deposits | 65.3847% | 2,876 |
| Net loans and leases to core deposits | 68.2478% | 2,940 |
| Total domestic deposits to total assets | 88.4484% | 1,592 |
| Equity capital to assets | 11.3496% | 1,731 |
| Core capital (leverage) ratio | 11.2793% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,972,000 | 4,075 |
| Average earning assets | $92,235,333 | 4,063 |
| Average equity | $11,125,667 | 4,085 |
| Average total loans | $59,286,333 | 3,907 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 293 |
| Cost of funding earning assets | 0.2477% | 3,496 |
| Net interest margin | 4.9000% | 208 |
| Noninterest income to average assets | 0.5129% | 2,553 |
| Noninterest expense to average assets | 2.5933% | 1,901 |
| Loan and lease loss provision to assets | 0.1395% | 960 |
| Net operating income to assets | 2.1747% | 437 |
| Return on assets (ROA) | 2.1747% | 473 |
| Pretax return on assets | 2.3266% | 565 |
| Return on Equity (ROE) | 19.4442% | 576 |
| Retained earnings to average equity (ytd only) | 19.4442% | 291 |
| Net charge-offs to loans | -0.0136% | 3,808 |
| Credit loss provision to net charge-offs | -1,700.0000% | 3,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2571% | 4,068 |
| Assets per employee ($millions) | 6.1521% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 2,195 |
| Loan loss allowance to noncurrent loans | 64.0637% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.1741% | 216 |
| Noncurrent loans to loans | 2.1079% | 490 |
| Net loans and leases to total assets | 59.6680% | 2,582 |
| Net loans and leases to deposits | 67.4046% | 2,765 |
| Net loans and leases to core deposits | 70.4841% | 2,831 |
| Total domestic deposits to total assets | 88.5221% | 1,595 |
| Equity capital to assets | 11.2330% | 1,694 |
| Core capital (leverage) ratio | 11.0327% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,482,500 | 4,100 |
| Average earning assets | $90,448,500 | 4,093 |
| Average equity | $10,903,000 | 4,116 |
| Average total loans | $58,982,000 | 3,928 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1690% | 355 |
| Cost of funding earning assets | 0.4216% | 3,448 |
| Net interest margin | 4.7474% | 193 |
| Noninterest income to average assets | 0.4134% | 3,033 |
| Noninterest expense to average assets | 2.5032% | 2,843 |
| Loan and lease loss provision to assets | 0.2387% | 1,629 |
| Net operating income to assets | 1.9465% | 289 |
| Return on assets (ROA) | 1.9465% | 314 |
| Pretax return on assets | 2.0822% | 379 |
| Return on Equity (ROE) | 15.9922% | 503 |
| Retained earnings to average equity (ytd only) | 0.0357% | 4,505 |
| Net charge-offs to loans | 0.7975% | 181 |
| Credit loss provision to net charge-offs | 46.6102% | 3,161 |
| Earnings coverage of net charge-offs (x) | 4.5318% | 2,968 |
| Efficiency ratio | 51.8893% | 4,393 |
| Assets per employee ($millions) | 6.0333% | 2,310 |
| Cash dividends to net income (ytd only)* | 99.7770% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,344 |
| Loan loss allowance to noncurrent loans | 56.0175% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.3370% | 206 |
| Noncurrent loans to loans | 2.3465% | 448 |
| Net loans and leases to total assets | 59.7305% | 2,897 |
| Net loans and leases to deposits | 67.4288% | 3,138 |
| Net loans and leases to core deposits | 70.6138% | 3,219 |
| Total domestic deposits to total assets | 88.5831% | 1,175 |
| Equity capital to assets | 11.1352% | 2,147 |
| Core capital (leverage) ratio | 10.6682% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,163,200 | 4,095 |
| Average earning assets | $85,626,200 | 4,081 |
| Average equity | $11,218,000 | 4,054 |
| Average total loans | $59,188,200 | 3,938 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 369 |
| Cost of funding earning assets | 0.4528% | 3,512 |
| Net interest margin | 4.8093% | 200 |
| Noninterest income to average assets | 0.3821% | 3,172 |
| Noninterest expense to average assets | 2.5137% | 2,795 |
| Loan and lease loss provision to assets | 0.2108% | 1,906 |
| Net operating income to assets | 1.9969% | 298 |
| Return on assets (ROA) | 1.9969% | 326 |
| Pretax return on assets | 2.1360% | 390 |
| Return on Equity (ROE) | 16.0439% | 544 |
| Retained earnings to average equity (ytd only) | 16.0439% | 156 |
| Net charge-offs to loans | 1.0015% | 137 |
| Credit loss provision to net charge-offs | 32.2870% | 2,946 |
| Earnings coverage of net charge-offs (x) | 3.5942% | 2,902 |
| Efficiency ratio | 51.7169% | 4,361 |
| Assets per employee ($millions) | 6.0148% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,583 |
| Loan loss allowance to noncurrent loans | 65.3321% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 313 |
| Noncurrent loans to loans | 1.8598% | 694 |
| Net loans and leases to total assets | 60.6575% | 3,145 |
| Net loans and leases to deposits | 69.6674% | 3,337 |
| Net loans and leases to core deposits | 71.5126% | 3,517 |
| Total domestic deposits to total assets | 87.0673% | 1,639 |
| Equity capital to assets | 12.6313% | 1,364 |
| Core capital (leverage) ratio | 12.2462% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0612% | 510 |
| Memoranda: | ||
| Average total assets | $91,071,000 | 4,116 |
| Average earning assets | $84,805,750 | 4,101 |
| Average equity | $11,335,250 | 4,056 |
| Average total loans | $59,378,500 | 3,954 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 435 |
| Cost of funding earning assets | 0.4945% | 3,568 |
| Net interest margin | 4.8683% | 255 |
| Noninterest income to average assets | 0.3134% | 3,582 |
| Noninterest expense to average assets | 2.6055% | 2,642 |
| Loan and lease loss provision to assets | 0.1477% | 2,531 |
| Net operating income to assets | 1.9631% | 357 |
| Return on assets (ROA) | 1.9631% | 399 |
| Pretax return on assets | 2.0996% | 442 |
| Return on Equity (ROE) | 15.8566% | 590 |
| Retained earnings to average equity (ytd only) | 15.8566% | 184 |
| Net charge-offs to loans | 1.0223% | 138 |
| Credit loss provision to net charge-offs | 21.7105% | 2,726 |
| Earnings coverage of net charge-offs (x) | 3.3026% | 2,687 |
| Efficiency ratio | 53.6900% | 4,212 |
| Assets per employee ($millions) | 5.8421% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 1,836 |
| Loan loss allowance to noncurrent loans | 38.8089% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.4948% | 226 |
| Noncurrent loans to loans | 3.4464% | 236 |
| Net loans and leases to total assets | 61.7119% | 3,153 |
| Net loans and leases to deposits | 70.7536% | 3,366 |
| Net loans and leases to core deposits | 72.6728% | 3,545 |
| Total domestic deposits to total assets | 87.2209% | 1,538 |
| Equity capital to assets | 12.5170% | 1,368 |
| Core capital (leverage) ratio | 12.2044% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1900% | 563 |
| Memoranda: | ||
| Average total assets | $89,349,000 | 4,140 |
| Average earning assets | $83,315,000 | 4,121 |
| Average equity | $11,061,667 | 4,090 |
| Average total loans | $59,473,667 | 3,959 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4115% | 453 |
| Cost of funding earning assets | 0.5283% | 3,804 |
| Net interest margin | 4.8832% | 238 |
| Noninterest income to average assets | 0.4308% | 2,905 |
| Noninterest expense to average assets | 2.8183% | 2,380 |
| Loan and lease loss provision to assets | -0.2520% | 5,089 |
| Net operating income to assets | 2.2409% | 168 |
| Return on assets (ROA) | 2.2409% | 186 |
| Pretax return on assets | 2.3967% | 203 |
| Return on Equity (ROE) | 18.2081% | 254 |
| Retained earnings to average equity (ytd only) | 18.2081% | 85 |
| Net charge-offs to loans | 2.0274% | 70 |
| Credit loss provision to net charge-offs | -18.0921% | 3,101 |
| Earnings coverage of net charge-offs (x) | 1.5395% | 2,380 |
| Efficiency ratio | 56.7867% | 4,133 |
| Assets per employee ($millions) | 5.9185% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,192 |
| Loan loss allowance to noncurrent loans | 49.6624% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 473 |
| Noncurrent loans to loans | 2.2182% | 601 |
| Net loans and leases to total assets | 66.9434% | 2,705 |
| Net loans and leases to deposits | 76.8319% | 2,996 |
| Net loans and leases to core deposits | 78.3978% | 3,325 |
| Total domestic deposits to total assets | 87.1297% | 1,505 |
| Equity capital to assets | 12.5087% | 1,722 |
| Core capital (leverage) ratio | 12.3148% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,287,000 | 4,170 |
| Average earning assets | $81,013,000 | 4,151 |
| Average equity | $10,742,500 | 4,138 |
| Average total loans | $59,977,500 | 3,961 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3532% | 133 |
| Cost of funding earning assets | 0.5397% | 3,922 |
| Net interest margin | 5.8135% | 75 |
| Noninterest income to average assets | 0.2045% | 4,438 |
| Noninterest expense to average assets | 2.8657% | 2,392 |
| Loan and lease loss provision to assets | 0.3703% | 401 |
| Net operating income to assets | 2.2232% | 215 |
| Return on assets (ROA) | 2.1928% | 239 |
| Pretax return on assets | 2.3453% | 275 |
| Return on Equity (ROE) | 16.8420% | 438 |
| Retained earnings to average equity (ytd only) | 0.1115% | 4,657 |
| Net charge-offs to loans | 0.4947% | 378 |
| Credit loss provision to net charge-offs | 103.3784% | 2,397 |
| Earnings coverage of net charge-offs (x) | 7.6723% | 2,854 |
| Efficiency ratio | 51.0455% | 4,670 |
| Assets per employee ($millions) | 5.3623% | 2,182 |
| Cash dividends to net income (ytd only)* | 99.3377% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 789 |
| Loan loss allowance to noncurrent loans | 131.9534% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3078% | 844 |
| Noncurrent loans to loans | 1.2913% | 1,170 |
| Net loans and leases to total assets | 68.5836% | 2,604 |
| Net loans and leases to deposits | 78.3515% | 2,971 |
| Net loans and leases to core deposits | 79.9929% | 3,295 |
| Total domestic deposits to total assets | 87.5332% | 1,354 |
| Equity capital to assets | 12.0985% | 2,076 |
| Core capital (leverage) ratio | 12.1694% | 1,671 |
| Tier 1 risk-based capital ratio | 19.6418% | 1,385 |
| Total risk-based capital ratio | 20.9009% | 1,353 |
| Memoranda: | ||
| Average total assets | $82,632,400 | 4,247 |
| Average earning assets | $76,890,200 | 4,233 |
| Average equity | $10,758,800 | 4,153 |
| Average total loans | $59,829,200 | 3,988 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3516% | 139 |
| Cost of funding earning assets | 0.5302% | 4,023 |
| Net interest margin | 5.8214% | 75 |
| Noninterest income to average assets | 0.1955% | 4,548 |
| Noninterest expense to average assets | 2.7923% | 2,579 |
| Loan and lease loss provision to assets | 0.4171% | 314 |
| Net operating income to assets | 2.2251% | 262 |
| Return on assets (ROA) | 2.1847% | 290 |
| Pretax return on assets | 2.3622% | 330 |
| Return on Equity (ROE) | 16.4736% | 538 |
| Retained earnings to average equity (ytd only) | 16.4736% | 97 |
| Net charge-offs to loans | 0.4435% | 377 |
| Credit loss provision to net charge-offs | 128.6432% | 1,839 |
| Earnings coverage of net charge-offs (x) | 8.7084% | 2,634 |
| Efficiency ratio | 49.7244% | 4,761 |
| Assets per employee ($millions) | 5.2191% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7933% | 689 |
| Loan loss allowance to noncurrent loans | 116.7396% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5245% | 720 |
| Noncurrent loans to loans | 1.5362% | 977 |
| Net loans and leases to total assets | 69.9731% | 2,477 |
| Net loans and leases to deposits | 81.9314% | 2,690 |
| Net loans and leases to core deposits | 83.7552% | 3,116 |
| Total domestic deposits to total assets | 85.4045% | 2,253 |
| Equity capital to assets | 14.0734% | 1,123 |
| Core capital (leverage) ratio | 14.2225% | 927 |
| Tier 1 risk-based capital ratio | 22.2131% | 1,038 |
| Total risk-based capital ratio | 23.4736% | 1,011 |
| Memoranda: | ||
| Average total assets | $81,841,500 | 4,316 |
| Average earning assets | $76,199,750 | 4,297 |
| Average equity | $10,853,500 | 4,180 |
| Average total loans | $59,821,000 | 4,032 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3318% | 142 |
| Cost of funding earning assets | 0.5199% | 4,035 |
| Net interest margin | 5.8119% | 77 |
| Noninterest income to average assets | 0.3469% | 3,613 |
| Noninterest expense to average assets | 2.8073% | 2,562 |
| Loan and lease loss provision to assets | 0.4601% | 258 |
| Net operating income to assets | 2.3113% | 209 |
| Return on assets (ROA) | 2.2488% | 242 |
| Pretax return on assets | 2.4038% | 283 |
| Return on Equity (ROE) | 17.3204% | 432 |
| Retained earnings to average equity (ytd only) | 17.3204% | 99 |
| Net charge-offs to loans | 0.4338% | 383 |
| Credit loss provision to net charge-offs | 143.8462% | 1,541 |
| Earnings coverage of net charge-offs (x) | 9.1615% | 2,355 |
| Efficiency ratio | 48.9280% | 4,847 |
| Assets per employee ($millions) | 4.7709% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 700 |
| Loan loss allowance to noncurrent loans | 93.0253% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.1010% | 422 |
| Noncurrent loans to loans | 1.9169% | 762 |
| Net loans and leases to total assets | 72.4592% | 2,153 |
| Net loans and leases to deposits | 84.5169% | 2,433 |
| Net loans and leases to core deposits | 86.4388% | 2,931 |
| Total domestic deposits to total assets | 85.7333% | 2,167 |
| Equity capital to assets | 13.9091% | 1,156 |
| Core capital (leverage) ratio | 13.7818% | 1,029 |
| Tier 1 risk-based capital ratio | 21.3261% | 1,139 |
| Total risk-based capital ratio | 22.5866% | 1,118 |
| Memoranda: | ||
| Average total assets | $81,287,000 | 4,357 |
| Average earning assets | $75,397,670 | 4,345 |
| Average equity | $10,554,000 | 4,228 |
| Average total loans | $59,928,670 | 4,053 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2573% | 144 |
| Cost of funding earning assets | 0.5025% | 4,050 |
| Net interest margin | 5.7548% | 84 |
| Noninterest income to average assets | 0.3834% | 3,304 |
| Noninterest expense to average assets | 2.8656% | 2,371 |
| Loan and lease loss provision to assets | 0.3588% | 329 |
| Net operating income to assets | 2.3465% | 210 |
| Return on assets (ROA) | 2.2217% | 275 |
| Pretax return on assets | 2.3741% | 311 |
| Return on Equity (ROE) | 17.7420% | 425 |
| Retained earnings to average equity (ytd only) | 17.7420% | 152 |
| Net charge-offs to loans | 0.2534% | 571 |
| Credit loss provision to net charge-offs | 192.1053% | 1,077 |
| Earnings coverage of net charge-offs (x) | 15.3421% | 1,744 |
| Efficiency ratio | 50.0000% | 4,825 |
| Assets per employee ($millions) | 5.3806% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 825 |
| Loan loss allowance to noncurrent loans | 88.4843% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1943% | 401 |
| Noncurrent loans to loans | 1.9428% | 774 |
| Net loans and leases to total assets | 74.0240% | 1,799 |
| Net loans and leases to deposits | 85.4352% | 2,193 |
| Net loans and leases to core deposits | 87.2914% | 2,754 |
| Total domestic deposits to total assets | 86.6434% | 1,986 |
| Equity capital to assets | 13.0593% | 1,417 |
| Core capital (leverage) ratio | 13.0648% | 1,242 |
| Tier 1 risk-based capital ratio | 20.2424% | 1,300 |
| Total risk-based capital ratio | 21.5018% | 1,264 |
| Memoranda: | ||
| Average total assets | $81,378,000 | 4,398 |
| Average earning assets | $75,624,000 | 4,378 |
| Average equity | $10,190,500 | 4,300 |
| Average total loans | $59,975,500 | 4,085 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9694% | 170 |
| Cost of funding earning assets | 0.3854% | 4,076 |
| Net interest margin | 5.5840% | 99 |
| Noninterest income to average assets | 0.2011% | 4,704 |
| Noninterest expense to average assets | 2.7183% | 2,965 |
| Loan and lease loss provision to assets | 0.1773% | 1,112 |
| Net operating income to assets | 2.3347% | 204 |
| Return on assets (ROA) | 2.1982% | 241 |
| Pretax return on assets | 2.3506% | 274 |
| Return on Equity (ROE) | 17.3590% | 452 |
| Retained earnings to average equity (ytd only) | -13.6560% | 5,352 |
| Net charge-offs to loans | 0.2485% | 774 |
| Credit loss provision to net charge-offs | 102.7586% | 2,458 |
| Earnings coverage of net charge-offs (x) | 15.4897% | 2,322 |
| Efficiency ratio | 50.4194% | 4,913 |
| Assets per employee ($millions) | 5.4698% | 1,988 |
| Cash dividends to net income (ytd only)* | 178.6681% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 823 |
| Loan loss allowance to noncurrent loans | 88.2867% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 3.1872% | 182 |
| Noncurrent loans to loans | 1.9337% | 708 |
| Net loans and leases to total assets | 70.8764% | 2,437 |
| Net loans and leases to deposits | 80.7678% | 2,876 |
| Net loans and leases to core deposits | 83.2622% | 3,158 |
| Total domestic deposits to total assets | 87.7534% | 1,413 |
| Equity capital to assets | 11.9943% | 1,900 |
| Core capital (leverage) ratio | 12.2617% | 1,579 |
| Tier 1 risk-based capital ratio | 19.3668% | 1,433 |
| Total risk-based capital ratio | 20.6248% | 1,392 |
| Memoranda: | ||
| Average total assets | $84,022,400 | 4,357 |
| Average earning assets | $78,098,200 | 4,346 |
| Average equity | $10,640,000 | 4,212 |
| Average total loans | $58,361,200 | 4,135 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8433% | 196 |
| Cost of funding earning assets | 0.3557% | 4,144 |
| Net interest margin | 5.4876% | 106 |
| Noninterest income to average assets | 0.2808% | 4,270 |
| Noninterest expense to average assets | 2.6677% | 3,074 |
| Loan and lease loss provision to assets | 0.1751% | 1,049 |
| Net operating income to assets | 2.3841% | 192 |
| Return on assets (ROA) | 2.3663% | 196 |
| Pretax return on assets | 2.5304% | 219 |
| Return on Equity (ROE) | 18.4501% | 384 |
| Retained earnings to average equity (ytd only) | 0.3690% | 4,975 |
| Net charge-offs to loans | 0.0986% | 1,506 |
| Credit loss provision to net charge-offs | 258.1395% | 1,146 |
| Earnings coverage of net charge-offs (x) | 40.1641% | 1,352 |
| Efficiency ratio | 49.4734% | 4,973 |
| Assets per employee ($millions) | 6.0758% | 1,438 |
| Cash dividends to net income (ytd only)* | 97.9999% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 731 |
| Loan loss allowance to noncurrent loans | 48.1398% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.9156% | 257 |
| Noncurrent loans to loans | 3.7323% | 243 |
| Net loans and leases to total assets | 69.0117% | 2,796 |
| Net loans and leases to deposits | 80.0758% | 3,035 |
| Net loans and leases to core deposits | 82.0697% | 3,319 |
| Total domestic deposits to total assets | 86.1829% | 2,105 |
| Equity capital to assets | 12.9601% | 1,357 |
| Core capital (leverage) ratio | 13.9607% | 945 |
| Tier 1 risk-based capital ratio | 22.0817% | 1,044 |
| Total risk-based capital ratio | 23.3407% | 1,021 |
| Memoranda: | ||
| Average total assets | $84,516,250 | 4,398 |
| Average earning assets | $78,720,500 | 4,383 |
| Average equity | $10,839,750 | 4,222 |
| Average total loans | $58,161,000 | 4,183 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7689% | 208 |
| Cost of funding earning assets | 0.3387% | 4,141 |
| Net interest margin | 5.4301% | 119 |
| Noninterest income to average assets | 0.3130% | 4,082 |
| Noninterest expense to average assets | 2.6727% | 3,103 |
| Loan and lease loss provision to assets | 0.1921% | 901 |
| Net operating income to assets | 2.3409% | 191 |
| Return on assets (ROA) | 2.3122% | 194 |
| Pretax return on assets | 2.4735% | 236 |
| Return on Equity (ROE) | 18.0919% | 411 |
| Retained earnings to average equity (ytd only) | -9.1851% | 5,406 |
| Net charge-offs to loans | 0.2048% | 777 |
| Credit loss provision to net charge-offs | 137.2881% | 1,666 |
| Earnings coverage of net charge-offs (x) | 19.2712% | 1,856 |
| Efficiency ratio | 49.7792% | 5,035 |
| Assets per employee ($millions) | 5.5873% | 1,809 |
| Cash dividends to net income (ytd only)* | 150.7692% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 796 |
| Loan loss allowance to noncurrent loans | 60.9727% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.3100% | 403 |
| Noncurrent loans to loans | 2.9017% | 402 |
| Net loans and leases to total assets | 68.1025% | 2,850 |
| Net loans and leases to deposits | 78.2689% | 3,129 |
| Net loans and leases to core deposits | 80.2249% | 3,399 |
| Total domestic deposits to total assets | 87.0109% | 1,836 |
| Equity capital to assets | 12.6550% | 1,463 |
| Core capital (leverage) ratio | 13.3105% | 1,131 |
| Tier 1 risk-based capital ratio | 21.5905% | 1,085 |
| Total risk-based capital ratio | 22.8501% | 1,061 |
| Memoranda: | ||
| Average total assets | $84,334,670 | 4,442 |
| Average earning assets | $78,524,670 | 4,431 |
| Average equity | $10,778,330 | 4,265 |
| Average total loans | $57,622,670 | 4,227 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4952% | 277 |
| Cost of funding earning assets | 0.3101% | 4,262 |
| Net interest margin | 5.1851% | 164 |
| Noninterest income to average assets | 0.4208% | 3,312 |
| Noninterest expense to average assets | 2.6762% | 3,109 |
| Loan and lease loss provision to assets | 0.1891% | 893 |
| Net operating income to assets | 2.2223% | 239 |
| Return on assets (ROA) | 2.2223% | 238 |
| Pretax return on assets | 2.3783% | 274 |
| Return on Equity (ROE) | 17.3041% | 481 |
| Retained earnings to average equity (ytd only) | -36.8172% | 5,569 |
| Net charge-offs to loans | 0.1743% | 834 |
| Credit loss provision to net charge-offs | 160.0000% | 1,188 |
| Earnings coverage of net charge-offs (x) | 21.7200% | 1,424 |
| Efficiency ratio | 51.0370% | 5,022 |
| Assets per employee ($millions) | 6.0333% | 1,489 |
| Cash dividends to net income (ytd only)* | 312.7660% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 819 |
| Loan loss allowance to noncurrent loans | 58.9832% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.3453% | 418 |
| Noncurrent loans to loans | 3.0176% | 398 |
| Net loans and leases to total assets | 66.7049% | 2,939 |
| Net loans and leases to deposits | 76.0765% | 3,206 |
| Net loans and leases to core deposits | 77.3050% | 3,552 |
| Total domestic deposits to total assets | 87.6814% | 1,797 |
| Equity capital to assets | 12.0332% | 1,762 |
| Core capital (leverage) ratio | 12.7477% | 1,274 |
| Tier 1 risk-based capital ratio | 20.0127% | 1,343 |
| Total risk-based capital ratio | 21.2709% | 1,311 |
| Memoranda: | ||
| Average total assets | $84,597,500 | 4,483 |
| Average earning assets | $78,687,000 | 4,478 |
| Average equity | $10,864,500 | 4,293 |
| Average total loans | $57,382,000 | 4,270 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7735% | 176 |
| Cost of funding earning assets | 0.2738% | 4,372 |
| Net interest margin | 5.4997% | 103 |
| Noninterest income to average assets | 0.3891% | 3,709 |
| Noninterest expense to average assets | 2.6463% | 3,293 |
| Loan and lease loss provision to assets | 0.3485% | 453 |
| Net operating income to assets | 2.3368% | 152 |
| Return on assets (ROA) | 2.1426% | 218 |
| Pretax return on assets | 2.2918% | 269 |
| Return on Equity (ROE) | 16.4425% | 435 |
| Retained earnings to average equity (ytd only) | 6.6411% | 1,212 |
| Net charge-offs to loans | 0.3954% | 633 |
| Credit loss provision to net charge-offs | 126.9565% | 2,071 |
| Earnings coverage of net charge-offs (x) | 10.3783% | 2,684 |
| Efficiency ratio | 48.1538% | 5,307 |
| Assets per employee ($millions) | 5.2956% | 2,152 |
| Cash dividends to net income (ytd only)* | 59.6100% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 854 |
| Loan loss allowance to noncurrent loans | 63.1910% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.1728% | 488 |
| Noncurrent loans to loans | 2.7735% | 434 |
| Net loans and leases to total assets | 66.5581% | 3,024 |
| Net loans and leases to deposits | 77.2849% | 3,196 |
| Net loans and leases to core deposits | 79.2696% | 3,476 |
| Total domestic deposits to total assets | 86.1205% | 2,381 |
| Equity capital to assets | 13.6494% | 1,004 |
| Core capital (leverage) ratio | 13.8721% | 865 |
| Tier 1 risk-based capital ratio | 21.9045% | 1,029 |
| Total risk-based capital ratio | 23.1620% | 1,009 |
| Memoranda: | ||
| Average total assets | $83,778,600 | 4,516 |
| Average earning assets | $77,786,600 | 4,502 |
| Average equity | $10,916,800 | 4,313 |
| Average total loans | $58,166,600 | 4,242 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7560% | 172 |
| Cost of funding earning assets | 0.2711% | 4,398 |
| Net interest margin | 5.4849% | 105 |
| Noninterest income to average assets | 0.3910% | 3,747 |
| Noninterest expense to average assets | 2.7435% | 2,914 |
| Loan and lease loss provision to assets | 0.3336% | 451 |
| Net operating income to assets | 2.2591% | 189 |
| Return on assets (ROA) | 2.2695% | 186 |
| Pretax return on assets | 2.4275% | 239 |
| Return on Equity (ROE) | 17.6290% | 364 |
| Retained earnings to average equity (ytd only) | 4.3638% | 3,304 |
| Net charge-offs to loans | 0.3427% | 612 |
| Credit loss provision to net charge-offs | 139.3333% | 1,785 |
| Earnings coverage of net charge-offs (x) | 11.4864% | 2,500 |
| Efficiency ratio | 49.9419% | 5,252 |
| Assets per employee ($millions) | 5.2531% | 2,169 |
| Cash dividends to net income (ytd only)* | 75.2462% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 1,007 |
| Loan loss allowance to noncurrent loans | 62.4922% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.3165% | 497 |
| Noncurrent loans to loans | 2.7391% | 513 |
| Net loans and leases to total assets | 68.5219% | 2,768 |
| Net loans and leases to deposits | 80.0634% | 2,970 |
| Net loans and leases to core deposits | 81.9687% | 3,288 |
| Total domestic deposits to total assets | 85.5846% | 2,480 |
| Equity capital to assets | 13.4148% | 1,194 |
| Core capital (leverage) ratio | 13.5174% | 1,017 |
| Tier 1 risk-based capital ratio | 20.9956% | 1,197 |
| Total risk-based capital ratio | 22.2535% | 1,168 |
| Memoranda: | ||
| Average total assets | $83,541,000 | 4,569 |
| Average earning assets | $77,713,750 | 4,547 |
| Average equity | $10,754,750 | 4,384 |
| Average total loans | $58,358,250 | 4,279 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7454% | 176 |
| Cost of funding earning assets | 0.2640% | 4,428 |
| Net interest margin | 5.4814% | 103 |
| Noninterest income to average assets | 0.4078% | 3,642 |
| Noninterest expense to average assets | 2.8115% | 2,716 |
| Loan and lease loss provision to assets | 0.3215% | 461 |
| Net operating income to assets | 2.2029% | 210 |
| Return on assets (ROA) | 2.2142% | 210 |
| Pretax return on assets | 2.3677% | 268 |
| Return on Equity (ROE) | 17.4458% | 375 |
| Retained earnings to average equity (ytd only) | -2.7785% | 5,409 |
| Net charge-offs to loans | 0.2608% | 787 |
| Credit loss provision to net charge-offs | 176.3158% | 1,376 |
| Earnings coverage of net charge-offs (x) | 14.6842% | 2,056 |
| Efficiency ratio | 51.2238% | 5,229 |
| Assets per employee ($millions) | 4.3919% | 3,282 |
| Cash dividends to net income (ytd only)* | 115.9263% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 1,019 |
| Loan loss allowance to noncurrent loans | 49.3110% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.8281% | 345 |
| Noncurrent loans to loans | 3.4889% | 330 |
| Net loans and leases to total assets | 68.5944% | 2,726 |
| Net loans and leases to deposits | 79.1078% | 3,010 |
| Net loans and leases to core deposits | 81.4572% | 3,297 |
| Total domestic deposits to total assets | 86.7101% | 2,084 |
| Equity capital to assets | 12.9040% | 1,420 |
| Core capital (leverage) ratio | 12.9210% | 1,203 |
| Tier 1 risk-based capital ratio | 20.2422% | 1,318 |
| Total risk-based capital ratio | 21.4997% | 1,286 |
| Memoranda: | ||
| Average total assets | $83,371,670 | 4,602 |
| Average earning assets | $77,279,000 | 4,579 |
| Average equity | $10,581,330 | 4,424 |
| Average total loans | $58,279,330 | 4,304 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8591% | 146 |
| Cost of funding earning assets | 0.2590% | 4,464 |
| Net interest margin | 5.6001% | 97 |
| Noninterest income to average assets | 0.4704% | 3,185 |
| Noninterest expense to average assets | 2.8080% | 2,769 |
| Loan and lease loss provision to assets | 0.3120% | 412 |
| Net operating income to assets | 2.3725% | 172 |
| Return on assets (ROA) | 2.3904% | 170 |
| Pretax return on assets | 2.5584% | 198 |
| Return on Equity (ROE) | 18.9931% | 286 |
| Retained earnings to average equity (ytd only) | -21.8154% | 5,752 |
| Net charge-offs to loans | -0.0137% | 4,552 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6183% | 5,395 |
| Assets per employee ($millions) | 4.6135% | 2,991 |
| Cash dividends to net income (ytd only)* | 214.8594% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 1,064 |
| Loan loss allowance to noncurrent loans | 57.7714% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.7745% | 384 |
| Noncurrent loans to loans | 3.0227% | 454 |
| Net loans and leases to total assets | 68.4995% | 2,605 |
| Net loans and leases to deposits | 78.3764% | 2,935 |
| Net loans and leases to core deposits | 80.2211% | 3,276 |
| Total domestic deposits to total assets | 87.3981% | 2,033 |
| Equity capital to assets | 12.2708% | 1,674 |
| Core capital (leverage) ratio | 12.5096% | 1,338 |
| Tier 1 risk-based capital ratio | 19.6011% | 1,478 |
| Total risk-based capital ratio | 20.8591% | 1,444 |
| Memoranda: | ||
| Average total assets | $83,334,000 | 4,650 |
| Average earning assets | $77,213,000 | 4,627 |
| Average equity | $10,488,000 | 4,469 |
| Average total loans | $58,298,000 | 4,336 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6035% | 216 |
| Cost of funding earning assets | 0.2701% | 4,364 |
| Net interest margin | 5.3334% | 144 |
| Noninterest income to average assets | 0.3935% | 3,941 |
| Noninterest expense to average assets | 2.8105% | 2,988 |
| Loan and lease loss provision to assets | 0.4020% | 386 |
| Net operating income to assets | 1.9690% | 341 |
| Return on assets (ROA) | 2.0077% | 329 |
| Pretax return on assets | 2.1470% | 361 |
| Return on Equity (ROE) | 15.7267% | 532 |
| Retained earnings to average equity (ytd only) | 1.7832% | 4,512 |
| Net charge-offs to loans | 0.7078% | 305 |
| Credit loss provision to net charge-offs | 80.5825% | 2,963 |
| Earnings coverage of net charge-offs (x) | 5.0267% | 3,401 |
| Efficiency ratio | 52.8461% | 5,323 |
| Assets per employee ($millions) | 4.9191% | 2,489 |
| Cash dividends to net income (ytd only)* | 88.6610% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 1,351 |
| Loan loss allowance to noncurrent loans | 50.9444% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.7253% | 417 |
| Noncurrent loans to loans | 3.1567% | 414 |
| Net loans and leases to total assets | 69.0667% | 2,613 |
| Net loans and leases to deposits | 79.6505% | 2,922 |
| Net loans and leases to core deposits | 80.9840% | 3,312 |
| Total domestic deposits to total assets | 86.7121% | 2,282 |
| Equity capital to assets | 12.8981% | 1,299 |
| Core capital (leverage) ratio | 13.2361% | 1,046 |
| Tier 1 risk-based capital ratio | 20.3994% | 1,306 |
| Total risk-based capital ratio | 21.6554% | 1,280 |
| Memoranda: | ||
| Average total assets | $82,581,800 | 4,680 |
| Average earning assets | $76,255,800 | 4,670 |
| Average equity | $10,542,600 | 4,486 |
| Average total loans | $58,206,000 | 4,350 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6150% | 216 |
| Cost of funding earning assets | 0.2704% | 4,387 |
| Net interest margin | 5.3446% | 140 |
| Noninterest income to average assets | 0.4600% | 3,489 |
| Noninterest expense to average assets | 2.8603% | 2,786 |
| Loan and lease loss provision to assets | 0.3709% | 416 |
| Net operating income to assets | 2.0187% | 332 |
| Return on assets (ROA) | 2.0699% | 321 |
| Pretax return on assets | 2.2140% | 375 |
| Return on Equity (ROE) | 16.2564% | 516 |
| Retained earnings to average equity (ytd only) | -2.4422% | 5,625 |
| Net charge-offs to loans | 0.6611% | 297 |
| Credit loss provision to net charge-offs | 79.5139% | 2,667 |
| Earnings coverage of net charge-offs (x) | 5.4236% | 3,130 |
| Efficiency ratio | 53.0649% | 5,308 |
| Assets per employee ($millions) | 4.8839% | 2,514 |
| Cash dividends to net income (ytd only)* | 115.0232% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 1,321 |
| Loan loss allowance to noncurrent loans | 47.4668% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 3.2218% | 338 |
| Noncurrent loans to loans | 3.4817% | 373 |
| Net loans and leases to total assets | 69.1655% | 2,612 |
| Net loans and leases to deposits | 79.9337% | 2,974 |
| Net loans and leases to core deposits | 82.1275% | 3,272 |
| Total domestic deposits to total assets | 86.5285% | 2,114 |
| Equity capital to assets | 13.0162% | 1,480 |
| Core capital (leverage) ratio | 12.7988% | 1,269 |
| Tier 1 risk-based capital ratio | 19.9909% | 1,450 |
| Total risk-based capital ratio | 21.2489% | 1,406 |
| Memoranda: | ||
| Average total assets | $82,321,000 | 4,722 |
| Average earning assets | $75,937,250 | 4,719 |
| Average equity | $10,481,750 | 4,541 |
| Average total loans | $58,082,250 | 4,384 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5715% | 229 |
| Cost of funding earning assets | 0.2693% | 4,447 |
| Net interest margin | 5.3022% | 147 |
| Noninterest income to average assets | 0.4410% | 3,584 |
| Noninterest expense to average assets | 2.7873% | 3,066 |
| Loan and lease loss provision to assets | 0.3679% | 431 |
| Net operating income to assets | 2.0232% | 320 |
| Return on assets (ROA) | 2.1002% | 296 |
| Pretax return on assets | 2.2611% | 334 |
| Return on Equity (ROE) | 16.6195% | 467 |
| Retained earnings to average equity (ytd only) | -11.7224% | 5,900 |
| Net charge-offs to loans | 0.7416% | 275 |
| Credit loss provision to net charge-offs | 70.2326% | 2,476 |
| Earnings coverage of net charge-offs (x) | 4.8605% | 2,933 |
| Efficiency ratio | 52.2613% | 5,431 |
| Assets per employee ($millions) | 4.8495% | 2,482 |
| Cash dividends to net income (ytd only)* | 170.5336% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 1,397 |
| Loan loss allowance to noncurrent loans | 47.6190% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 3.5637% | 294 |
| Noncurrent loans to loans | 3.4710% | 382 |
| Net loans and leases to total assets | 69.2875% | 2,588 |
| Net loans and leases to deposits | 79.6681% | 2,973 |
| Net loans and leases to core deposits | 82.1545% | 3,255 |
| Total domestic deposits to total assets | 86.9702% | 1,932 |
| Equity capital to assets | 12.6161% | 1,706 |
| Core capital (leverage) ratio | 12.3037% | 1,454 |
| Tier 1 risk-based capital ratio | 19.3472% | 1,615 |
| Total risk-based capital ratio | 20.6049% | 1,570 |
| Memoranda: | ||
| Average total assets | $82,085,670 | 4,770 |
| Average earning assets | $75,742,000 | 4,765 |
| Average equity | $10,373,330 | 4,587 |
| Average total loans | $57,979,330 | 4,406 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 239 |
| Cost of funding earning assets | 0.2699% | 4,499 |
| Net interest margin | 5.2707% | 155 |
| Noninterest income to average assets | 0.4835% | 3,235 |
| Noninterest expense to average assets | 2.7250% | 3,327 |
| Loan and lease loss provision to assets | 0.3565% | 415 |
| Net operating income to assets | 2.1048% | 279 |
| Return on assets (ROA) | 2.1048% | 288 |
| Pretax return on assets | 2.2660% | 334 |
| Return on Equity (ROE) | 16.6417% | 473 |
| Retained earnings to average equity (ytd only) | -40.1178% | 6,059 |
| Net charge-offs to loans | 0.5938% | 370 |
| Credit loss provision to net charge-offs | 84.8837% | 1,805 |
| Earnings coverage of net charge-offs (x) | 6.2442% | 2,254 |
| Efficiency ratio | 50.9589% | 5,568 |
| Assets per employee ($millions) | 4.7894% | 2,610 |
| Cash dividends to net income (ytd only)* | 341.0673% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 1,256 |
| Loan loss allowance to noncurrent loans | 39.1103% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 3.8995% | 270 |
| Noncurrent loans to loans | 4.4665% | 243 |
| Net loans and leases to total assets | 69.8403% | 2,370 |
| Net loans and leases to deposits | 79.8551% | 2,813 |
| Net loans and leases to core deposits | 82.3650% | 3,101 |
| Total domestic deposits to total assets | 87.4589% | 1,957 |
| Equity capital to assets | 12.1801% | 1,900 |
| Core capital (leverage) ratio | 11.8190% | 1,731 |
| Tier 1 risk-based capital ratio | 18.6339% | 1,816 |
| Total risk-based capital ratio | 19.8930% | 1,773 |
| Memoranda: | ||
| Average total assets | $81,907,500 | 4,819 |
| Average earning assets | $75,588,000 | 4,811 |
| Average equity | $10,359,500 | 4,606 |
| Average total loans | $57,928,000 | 4,445 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6619% | 212 |
| Cost of funding earning assets | 0.2711% | 4,571 |
| Net interest margin | 5.3908% | 148 |
| Noninterest income to average assets | 0.4654% | 3,558 |
| Noninterest expense to average assets | 2.7854% | 3,298 |
| Loan and lease loss provision to assets | 0.3409% | 445 |
| Net operating income to assets | 2.1938% | 254 |
| Return on assets (ROA) | 2.2365% | 241 |
| Pretax return on assets | 2.4094% | 236 |
| Return on Equity (ROE) | 17.9877% | 381 |
| Retained earnings to average equity (ytd only) | 5.4449% | 2,105 |
| Net charge-offs to loans | 0.4769% | 567 |
| Credit loss provision to net charge-offs | 102.1739% | 2,452 |
| Earnings coverage of net charge-offs (x) | 8.1051% | 2,996 |
| Efficiency ratio | 50.7377% | 5,721 |
| Assets per employee ($millions) | 4.8468% | 2,534 |
| Cash dividends to net income (ytd only)* | 69.7297% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7661% | 1,199 |
| Loan loss allowance to noncurrent loans | 35.4203% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 3.7672% | 285 |
| Noncurrent loans to loans | 4.9861% | 192 |
| Net loans and leases to total assets | 69.1268% | 2,515 |
| Net loans and leases to deposits | 79.8354% | 2,838 |
| Net loans and leases to core deposits | 81.8054% | 3,170 |
| Total domestic deposits to total assets | 86.5866% | 2,332 |
| Equity capital to assets | 13.1100% | 1,295 |
| Core capital (leverage) ratio | 12.9501% | 1,162 |
| Tier 1 risk-based capital ratio | 20.7108% | 1,345 |
| Total risk-based capital ratio | 21.9698% | 1,318 |
| Memoranda: | ||
| Average total assets | $82,718,200 | 4,814 |
| Average earning assets | $77,094,400 | 4,782 |
| Average equity | $10,284,800 | 4,603 |
| Average total loans | $57,872,800 | 4,430 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7468% | 180 |
| Cost of funding earning assets | 0.2701% | 4,664 |
| Net interest margin | 5.4766% | 131 |
| Noninterest income to average assets | 0.4090% | 4,016 |
| Noninterest expense to average assets | 2.7278% | 3,466 |
| Loan and lease loss provision to assets | 0.2882% | 532 |
| Net operating income to assets | 2.3376% | 206 |
| Return on assets (ROA) | 2.3945% | 194 |
| Pretax return on assets | 2.5797% | 213 |
| Return on Equity (ROE) | 19.5226% | 301 |
| Retained earnings to average equity (ytd only) | 2.5864% | 4,575 |
| Net charge-offs to loans | 0.1544% | 1,599 |
| Credit loss provision to net charge-offs | 267.1642% | 1,078 |
| Earnings coverage of net charge-offs (x) | 26.0152% | 1,632 |
| Efficiency ratio | 49.2872% | 5,815 |
| Assets per employee ($millions) | 5.2675% | 1,984 |
| Cash dividends to net income (ytd only)* | 86.7519% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9327% | 1,008 |
| Loan loss allowance to noncurrent loans | 65.9661% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.2224% | 848 |
| Noncurrent loans to loans | 2.9299% | 620 |
| Net loans and leases to total assets | 68.0304% | 2,672 |
| Net loans and leases to deposits | 78.1879% | 3,082 |
| Net loans and leases to core deposits | 80.5541% | 3,387 |
| Total domestic deposits to total assets | 87.0088% | 2,034 |
| Equity capital to assets | 12.5083% | 1,740 |
| Core capital (leverage) ratio | 12.5385% | 1,390 |
| Tier 1 risk-based capital ratio | 19.9655% | 1,559 |
| Total risk-based capital ratio | 21.2270% | 1,517 |
| Memoranda: | ||
| Average total assets | $82,799,000 | 4,871 |
| Average earning assets | $77,491,000 | 4,833 |
| Average equity | $10,155,500 | 4,688 |
| Average total loans | $57,845,750 | 4,475 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 161 |
| Cost of funding earning assets | 0.2697% | 4,721 |
| Net interest margin | 5.5479% | 116 |
| Noninterest income to average assets | 0.4252% | 3,885 |
| Noninterest expense to average assets | 2.7337% | 3,473 |
| Loan and lease loss provision to assets | 0.2527% | 685 |
| Net operating income to assets | 2.4462% | 180 |
| Return on assets (ROA) | 2.5320% | 173 |
| Pretax return on assets | 2.7289% | 180 |
| Return on Equity (ROE) | 20.7846% | 238 |
| Retained earnings to average equity (ytd only) | -4.9468% | 6,017 |
| Net charge-offs to loans | 0.0659% | 2,436 |
| Credit loss provision to net charge-offs | 547.3684% | 593 |
| Earnings coverage of net charge-offs (x) | 62.5789% | 819 |
| Efficiency ratio | 48.6171% | 5,927 |
| Assets per employee ($millions) | 5.1824% | 2,054 |
| Cash dividends to net income (ytd only)* | 123.8004% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 1,174 |
| Loan loss allowance to noncurrent loans | 81.6432% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 1,297 |
| Noncurrent loans to loans | 2.3205% | 1,008 |
| Net loans and leases to total assets | 68.8817% | 2,504 |
| Net loans and leases to deposits | 78.7307% | 2,933 |
| Net loans and leases to core deposits | 81.1364% | 3,267 |
| Total domestic deposits to total assets | 87.4902% | 1,910 |
| Equity capital to assets | 12.1239% | 1,933 |
| Core capital (leverage) ratio | 12.0304% | 1,644 |
| Tier 1 risk-based capital ratio | 19.2604% | 1,729 |
| Total risk-based capital ratio | 20.5220% | 1,692 |
| Memoranda: | ||
| Average total assets | $82,305,330 | 4,929 |
| Average earning assets | $77,110,000 | 4,887 |
| Average equity | $10,026,670 | 4,745 |
| Average total loans | $57,639,000 | 4,519 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0395% | 122 |
| Cost of funding earning assets | 0.2619% | 4,880 |
| Net interest margin | 5.7776% | 88 |
| Noninterest income to average assets | 0.4976% | 3,301 |
| Noninterest expense to average assets | 2.8196% | 3,180 |
| Loan and lease loss provision to assets | 0.1561% | 1,303 |
| Net operating income to assets | 2.6911% | 110 |
| Return on assets (ROA) | 2.8635% | 101 |
| Pretax return on assets | 3.0879% | 126 |
| Return on Equity (ROE) | 23.4483% | 144 |
| Retained earnings to average equity (ytd only) | -28.0821% | 6,333 |
| Net charge-offs to loans | 0.0418% | 2,398 |
| Credit loss provision to net charge-offs | 533.3333% | 513 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 480 |
| Efficiency ratio | 47.9668% | 6,021 |
| Assets per employee ($millions) | 5.1548% | 2,167 |
| Cash dividends to net income (ytd only)* | 219.7615% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8240% | 1,443 |
| Loan loss allowance to noncurrent loans | 93.9694% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 1,842 |
| Noncurrent loans to loans | 1.9410% | 1,374 |
| Net loans and leases to total assets | 68.1329% | 2,416 |
| Net loans and leases to deposits | 77.4801% | 2,880 |
| Net loans and leases to core deposits | 80.2428% | 3,127 |
| Total domestic deposits to total assets | 87.9360% | 1,870 |
| Equity capital to assets | 11.7342% | 2,257 |
| Core capital (leverage) ratio | 11.6673% | 1,874 |
| Tier 1 risk-based capital ratio | 18.9741% | 1,877 |
| Total risk-based capital ratio | 20.2346% | 1,834 |
| Memoranda: | ||
| Average total assets | $81,998,500 | 4,988 |
| Average earning assets | $76,363,500 | 4,962 |
| Average equity | $10,013,500 | 4,781 |
| Average total loans | $57,349,000 | 4,568 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6352% | 256 |
| Cost of funding earning assets | 0.2878% | 4,923 |
| Net interest margin | 5.3474% | 168 |
| Noninterest income to average assets | 0.5332% | 3,284 |
| Noninterest expense to average assets | 2.7471% | 3,687 |
| Loan and lease loss provision to assets | 0.3485% | 551 |
| Net operating income to assets | 2.2349% | 207 |
| Return on assets (ROA) | 2.2546% | 205 |
| Pretax return on assets | 2.3999% | 231 |
| Return on Equity (ROE) | 18.8444% | 327 |
| Retained earnings to average equity (ytd only) | 4.4358% | 3,024 |
| Net charge-offs to loans | 0.3716% | 1,164 |
| Credit loss provision to net charge-offs | 131.6279% | 1,811 |
| Earnings coverage of net charge-offs (x) | 10.3023% | 2,626 |
| Efficiency ratio | 50.1799% | 6,084 |
| Assets per employee ($millions) | 5.0950% | 2,196 |
| Cash dividends to net income (ytd only)* | 76.4610% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7717% | 1,592 |
| Loan loss allowance to noncurrent loans | 37.3030% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 3.4372% | 547 |
| Noncurrent loans to loans | 4.7494% | 329 |
| Net loans and leases to total assets | 69.2370% | 2,349 |
| Net loans and leases to deposits | 79.5283% | 2,780 |
| Net loans and leases to core deposits | 81.9211% | 3,121 |
| Total domestic deposits to total assets | 87.0596% | 2,246 |
| Equity capital to assets | 12.6950% | 1,543 |
| Core capital (leverage) ratio | 12.3395% | 1,426 |
| Tier 1 risk-based capital ratio | 19.5379% | 1,712 |
| Total risk-based capital ratio | 20.7963% | 1,672 |
| Memoranda: | ||
| Average total assets | $81,211,800 | 5,034 |
| Average earning assets | $75,045,800 | 5,018 |
| Average equity | $9,716,400 | 4,811 |
| Average total loans | $57,860,000 | 4,556 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6999% | 228 |
| Cost of funding earning assets | 0.2923% | 4,960 |
| Net interest margin | 5.4076% | 156 |
| Noninterest income to average assets | 0.5489% | 3,210 |
| Noninterest expense to average assets | 2.8084% | 3,430 |
| Loan and lease loss provision to assets | 0.3418% | 524 |
| Net operating income to assets | 2.2446% | 215 |
| Return on assets (ROA) | 2.3713% | 176 |
| Pretax return on assets | 2.5192% | 201 |
| Return on Equity (ROE) | 20.1287% | 278 |
| Retained earnings to average equity (ytd only) | 0.5998% | 5,627 |
| Net charge-offs to loans | 0.4670% | 842 |
| Credit loss provision to net charge-offs | 102.4631% | 2,153 |
| Earnings coverage of net charge-offs (x) | 8.1724% | 2,845 |
| Efficiency ratio | 50.7423% | 6,067 |
| Assets per employee ($millions) | 5.2293% | 1,985 |
| Cash dividends to net income (ytd only)* | 97.0202% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 2,207 |
| Loan loss allowance to noncurrent loans | 40.0587% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 2.9366% | 818 |
| Noncurrent loans to loans | 4.0625% | 512 |
| Net loans and leases to total assets | 68.9957% | 2,364 |
| Net loans and leases to deposits | 78.5746% | 2,889 |
| Net loans and leases to core deposits | 81.2453% | 3,179 |
| Total domestic deposits to total assets | 87.8091% | 1,861 |
| Equity capital to assets | 11.7331% | 2,282 |
| Core capital (leverage) ratio | 11.8819% | 1,769 |
| Tier 1 risk-based capital ratio | 18.1731% | 2,156 |
| Total risk-based capital ratio | 19.4303% | 2,113 |
| Memoranda: | ||
| Average total assets | $81,134,750 | 5,087 |
| Average earning assets | $74,806,750 | 5,075 |
| Average equity | $9,558,250 | 4,886 |
| Average total loans | $57,960,000 | 4,594 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7326% | 208 |
| Cost of funding earning assets | 0.2904% | 5,073 |
| Net interest margin | 5.4423% | 142 |
| Noninterest income to average assets | 0.6576% | 2,496 |
| Noninterest expense to average assets | 2.8223% | 3,417 |
| Loan and lease loss provision to assets | 0.3911% | 431 |
| Net operating income to assets | 2.3492% | 178 |
| Return on assets (ROA) | 2.5433% | 134 |
| Pretax return on assets | 2.6902% | 160 |
| Return on Equity (ROE) | 21.5583% | 217 |
| Retained earnings to average equity (ytd only) | -8.0025% | 6,375 |
| Net charge-offs to loans | 0.5371% | 758 |
| Credit loss provision to net charge-offs | 101.2903% | 1,966 |
| Earnings coverage of net charge-offs (x) | 7.4516% | 2,628 |
| Efficiency ratio | 49.5192% | 6,198 |
| Assets per employee ($millions) | 4.7677% | 2,520 |
| Cash dividends to net income (ytd only)* | 137.1205% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,451 |
| Loan loss allowance to noncurrent loans | 89.8961% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 1,844 |
| Noncurrent loans to loans | 1.7811% | 1,932 |
| Net loans and leases to total assets | 72.1829% | 1,709 |
| Net loans and leases to deposits | 82.0386% | 2,246 |
| Net loans and leases to core deposits | 84.9733% | 2,622 |
| Total domestic deposits to total assets | 87.9866% | 1,905 |
| Equity capital to assets | 11.6593% | 2,277 |
| Core capital (leverage) ratio | 11.7294% | 1,834 |
| Tier 1 risk-based capital ratio | 17.4961% | 2,415 |
| Total risk-based capital ratio | 18.7532% | 2,388 |
| Memoranda: | ||
| Average total assets | $80,290,000 | 5,155 |
| Average earning assets | $74,381,000 | 5,126 |
| Average equity | $9,472,000 | 4,915 |
| Average total loans | $57,719,000 | 4,624 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 233 |
| Cost of funding earning assets | 0.2863% | 5,208 |
| Net interest margin | 5.3912% | 147 |
| Noninterest income to average assets | 0.9210% | 1,331 |
| Noninterest expense to average assets | 2.8032% | 3,551 |
| Loan and lease loss provision to assets | 0.3604% | 483 |
| Net operating income to assets | 2.6380% | 133 |
| Return on assets (ROA) | 2.6380% | 138 |
| Pretax return on assets | 2.7531% | 170 |
| Return on Equity (ROE) | 22.2293% | 189 |
| Retained earnings to average equity (ytd only) | -36.8238% | 6,642 |
| Net charge-offs to loans | 0.3729% | 966 |
| Credit loss provision to net charge-offs | 135.8491% | 1,342 |
| Earnings coverage of net charge-offs (x) | 11.7358% | 1,763 |
| Efficiency ratio | 47.3773% | 6,387 |
| Assets per employee ($millions) | 4.4410% | 3,069 |
| Cash dividends to net income (ytd only)* | 265.6546% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 2,348 |
| Loan loss allowance to noncurrent loans | 69.7624% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 2.0916% | 1,607 |
| Noncurrent loans to loans | 2.4381% | 1,433 |
| Net loans and leases to total assets | 70.0555% | 1,874 |
| Net loans and leases to deposits | 79.2317% | 2,401 |
| Net loans and leases to core deposits | 81.6758% | 2,768 |
| Total domestic deposits to total assets | 88.4185% | 1,982 |
| Equity capital to assets | 11.3000% | 2,426 |
| Core capital (leverage) ratio | 11.2250% | 2,201 |
| Tier 1 risk-based capital ratio | 16.9876% | 2,698 |
| Total risk-based capital ratio | 18.2455% | 2,648 |
| Memoranda: | ||
| Average total assets | $79,909,500 | 5,210 |
| Average earning assets | $74,046,500 | 5,176 |
| Average equity | $9,483,000 | 4,941 |
| Average total loans | $56,850,000 | 4,691 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7610% | 243 |
| Cost of funding earning assets | 0.3483% | 5,155 |
| Net interest margin | 5.4128% | 153 |
| Noninterest income to average assets | 0.3981% | 4,457 |
| Noninterest expense to average assets | 2.8131% | 3,680 |
| Loan and lease loss provision to assets | 0.3190% | 1,033 |
| Net operating income to assets | 2.0528% | 311 |
| Return on assets (ROA) | 2.0910% | 293 |
| Pretax return on assets | 2.2843% | 270 |
| Return on Equity (ROE) | 18.0086% | 408 |
| Retained earnings to average equity (ytd only) | 18.0086% | 107 |
| Net charge-offs to loans | 0.3748% | 1,799 |
| Credit loss provision to net charge-offs | 127.0000% | 1,857 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 2,404 |
| Efficiency ratio | 52.3364% | 6,271 |
| Assets per employee ($millions) | 4.4378% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 2,484 |
| Loan loss allowance to noncurrent loans | 82.6806% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.8139% | 2,026 |
| Noncurrent loans to loans | 2.0254% | 1,962 |
| Net loans and leases to total assets | 69.8289% | 2,043 |
| Net loans and leases to deposits | 79.9794% | 2,457 |
| Net loans and leases to core deposits | 81.6440% | 2,938 |
| Total domestic deposits to total assets | 87.3086% | 2,574 |
| Equity capital to assets | 12.4347% | 1,545 |
| Core capital (leverage) ratio | 12.3353% | 1,431 |
| Tier 1 risk-based capital ratio | 18.7003% | 2,008 |
| Total risk-based capital ratio | 19.9576% | 1,969 |
| Memoranda: | ||
| Average total assets | $79,628,800 | 5,245 |
| Average earning assets | $73,216,000 | 5,220 |
| Average equity | $9,245,600 | 5,032 |
| Average total loans | $53,366,600 | 4,834 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 277 |
| Cost of funding earning assets | 0.3618% | 5,180 |
| Net interest margin | 5.3416% | 179 |
| Noninterest income to average assets | 0.3553% | 4,853 |
| Noninterest expense to average assets | 2.7666% | 3,771 |
| Loan and lease loss provision to assets | 0.3100% | 1,088 |
| Net operating income to assets | 2.0198% | 354 |
| Return on assets (ROA) | 2.0712% | 330 |
| Pretax return on assets | 2.2321% | 358 |
| Return on Equity (ROE) | 18.1618% | 427 |
| Retained earnings to average equity (ytd only) | 18.1618% | 103 |
| Net charge-offs to loans | 0.4011% | 1,596 |
| Credit loss provision to net charge-offs | 117.0886% | 2,011 |
| Earnings coverage of net charge-offs (x) | 9.3925% | 2,487 |
| Efficiency ratio | 52.6635% | 6,211 |
| Assets per employee ($millions) | 4.3593% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 2,652 |
| Loan loss allowance to noncurrent loans | 61.1663% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.3054% | 1,711 |
| Noncurrent loans to loans | 2.7638% | 1,520 |
| Net loans and leases to total assets | 68.4037% | 2,241 |
| Net loans and leases to deposits | 78.1762% | 2,638 |
| Net loans and leases to core deposits | 80.1287% | 3,119 |
| Total domestic deposits to total assets | 87.4994% | 2,418 |
| Equity capital to assets | 11.9972% | 1,917 |
| Core capital (leverage) ratio | 12.0505% | 1,644 |
| Tier 1 risk-based capital ratio | 18.4728% | 2,153 |
| Total risk-based capital ratio | 19.7304% | 2,119 |
| Memoranda: | ||
| Average total assets | $79,565,750 | 5,298 |
| Average earning assets | $72,960,500 | 5,275 |
| Average equity | $9,073,750 | 5,122 |
| Average total loans | $52,525,750 | 4,903 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6697% | 291 |
| Cost of funding earning assets | 0.3829% | 5,107 |
| Net interest margin | 5.2868% | 188 |
| Noninterest income to average assets | 0.4104% | 4,445 |
| Noninterest expense to average assets | 2.7849% | 3,723 |
| Loan and lease loss provision to assets | 0.4229% | 713 |
| Net operating income to assets | 1.8949% | 425 |
| Return on assets (ROA) | 1.9717% | 398 |
| Pretax return on assets | 2.1218% | 483 |
| Return on Equity (ROE) | 17.5886% | 499 |
| Retained earnings to average equity (ytd only) | 17.5886% | 136 |
| Net charge-offs to loans | 0.5170% | 1,269 |
| Credit loss provision to net charge-offs | 126.1194% | 1,788 |
| Earnings coverage of net charge-offs (x) | 7.3433% | 2,558 |
| Efficiency ratio | 53.0758% | 6,214 |
| Assets per employee ($millions) | 4.6567% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 2,740 |
| Loan loss allowance to noncurrent loans | 113.6752% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.7331% | 2,511 |
| Noncurrent loans to loans | 1.5052% | 3,045 |
| Net loans and leases to total assets | 67.5572% | 2,330 |
| Net loans and leases to deposits | 76.6203% | 2,779 |
| Net loans and leases to core deposits | 77.8211% | 3,317 |
| Total domestic deposits to total assets | 88.1714% | 2,127 |
| Equity capital to assets | 11.4635% | 2,333 |
| Core capital (leverage) ratio | 11.1583% | 2,206 |
| Tier 1 risk-based capital ratio | 17.5114% | 2,512 |
| Total risk-based capital ratio | 18.7693% | 2,477 |
| Memoranda: | ||
| Average total assets | $79,931,670 | 5,313 |
| Average earning assets | $73,126,000 | 5,300 |
| Average equity | $8,960,330 | 5,180 |
| Average total loans | $51,835,000 | 4,956 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6350% | 299 |
| Cost of funding earning assets | 0.3990% | 5,110 |
| Net interest margin | 5.2360% | 188 |
| Noninterest income to average assets | 0.3685% | 4,723 |
| Noninterest expense to average assets | 2.8089% | 3,664 |
| Loan and lease loss provision to assets | 0.4582% | 615 |
| Net operating income to assets | 1.7509% | 520 |
| Return on assets (ROA) | 1.7879% | 538 |
| Pretax return on assets | 1.9125% | 716 |
| Return on Equity (ROE) | 16.1294% | 595 |
| Retained earnings to average equity (ytd only) | 16.1294% | 269 |
| Net charge-offs to loans | 1.0604% | 571 |
| Credit loss provision to net charge-offs | 68.6567% | 2,316 |
| Earnings coverage of net charge-offs (x) | 3.4925% | 2,757 |
| Efficiency ratio | 54.6512% | 6,179 |
| Assets per employee ($millions) | 4.7888% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 3,137 |
| Loan loss allowance to noncurrent loans | 103.3898% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.6030% | 2,865 |
| Noncurrent loans to loans | 1.6143% | 3,117 |
| Net loans and leases to total assets | 61.8032% | 3,104 |
| Net loans and leases to deposits | 69.7536% | 3,525 |
| Net loans and leases to core deposits | 72.0274% | 3,813 |
| Total domestic deposits to total assets | 88.6021% | 1,932 |
| Equity capital to assets | 11.0957% | 2,855 |
| Core capital (leverage) ratio | 10.6733% | 2,570 |
| Tier 1 risk-based capital ratio | 17.3523% | 2,624 |
| Total risk-based capital ratio | 18.6085% | 2,585 |
| Memoranda: | ||
| Average total assets | $80,315,500 | 5,357 |
| Average earning assets | $73,185,000 | 5,347 |
| Average equity | $8,903,000 | 5,244 |
| Average total loans | $50,546,500 | 5,034 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9143% | 305 |
| Cost of funding earning assets | 0.4982% | 5,231 |
| Net interest margin | 5.4161% | 192 |
| Noninterest income to average assets | 0.6367% | 3,071 |
| Noninterest expense to average assets | 2.7794% | 4,113 |
| Loan and lease loss provision to assets | 0.4029% | 1,611 |
| Net operating income to assets | 2.2519% | 230 |
| Return on assets (ROA) | 2.2519% | 251 |
| Pretax return on assets | 2.4146% | 287 |
| Return on Equity (ROE) | 19.2441% | 343 |
| Retained earnings to average equity (ytd only) | -0.3041% | 5,906 |
| Net charge-offs to loans | 0.2893% | 3,210 |
| Credit loss provision to net charge-offs | 218.6207% | 1,153 |
| Earnings coverage of net charge-offs (x) | 15.2897% | 1,662 |
| Efficiency ratio | 49.6594% | 6,610 |
| Assets per employee ($millions) | 4.6601% | 2,692 |
| Cash dividends to net income (ytd only)* | 101.5801% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,603 |
| Loan loss allowance to noncurrent loans | 64.2294% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.0967% | 2,337 |
| Noncurrent loans to loans | 2.7942% | 1,882 |
| Net loans and leases to total assets | 61.8889% | 3,267 |
| Net loans and leases to deposits | 69.8240% | 3,735 |
| Net loans and leases to core deposits | 71.7596% | 4,072 |
| Total domestic deposits to total assets | 88.6356% | 1,815 |
| Equity capital to assets | 11.0741% | 2,867 |
| Core capital (leverage) ratio | 10.2092% | 3,124 |
| Tier 1 risk-based capital ratio | 17.2132% | 2,552 |
| Total risk-based capital ratio | 18.4721% | 2,527 |
| Memoranda: | ||
| Average total assets | $78,687,400 | 5,393 |
| Average earning assets | $72,062,800 | 5,370 |
| Average equity | $9,208,000 | 5,171 |
| Average total loans | $50,115,400 | 5,102 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9233% | 321 |
| Cost of funding earning assets | 0.5141% | 5,346 |
| Net interest margin | 5.4092% | 199 |
| Noninterest income to average assets | 0.6738% | 2,862 |
| Noninterest expense to average assets | 2.7581% | 4,148 |
| Loan and lease loss provision to assets | 0.3870% | 1,665 |
| Net operating income to assets | 2.3236% | 234 |
| Return on assets (ROA) | 2.3236% | 253 |
| Pretax return on assets | 2.4933% | 295 |
| Return on Equity (ROE) | 19.5915% | 355 |
| Retained earnings to average equity (ytd only) | 17.3017% | 144 |
| Net charge-offs to loans | 0.3349% | 2,781 |
| Credit loss provision to net charge-offs | 180.9524% | 1,538 |
| Earnings coverage of net charge-offs (x) | 13.4679% | 1,906 |
| Efficiency ratio | 48.9163% | 6,668 |
| Assets per employee ($millions) | 4.6198% | 2,722 |
| Cash dividends to net income (ytd only)* | 11.6875% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6481% | 3,339 |
| Loan loss allowance to noncurrent loans | 48.3890% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.4918% | 2,127 |
| Noncurrent loans to loans | 3.4059% | 1,605 |
| Net loans and leases to total assets | 62.7640% | 3,247 |
| Net loans and leases to deposits | 72.4812% | 3,538 |
| Net loans and leases to core deposits | 74.2756% | 3,942 |
| Total domestic deposits to total assets | 86.5936% | 2,925 |
| Equity capital to assets | 12.7749% | 1,729 |
| Core capital (leverage) ratio | 11.9275% | 1,699 |
| Tier 1 risk-based capital ratio | 19.9923% | 1,759 |
| Total risk-based capital ratio | 21.2486% | 1,732 |
| Memoranda: | ||
| Average total assets | $78,554,000 | 5,447 |
| Average earning assets | $72,097,250 | 5,426 |
| Average equity | $9,316,750 | 5,195 |
| Average total loans | $50,163,000 | 5,161 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9453% | 321 |
| Cost of funding earning assets | 0.5322% | 5,417 |
| Net interest margin | 5.4131% | 208 |
| Noninterest income to average assets | 0.7408% | 2,463 |
| Noninterest expense to average assets | 2.7851% | 4,075 |
| Loan and lease loss provision to assets | 0.4175% | 1,566 |
| Net operating income to assets | 2.3396% | 224 |
| Return on assets (ROA) | 2.3396% | 258 |
| Pretax return on assets | 2.5102% | 296 |
| Return on Equity (ROE) | 20.2468% | 338 |
| Retained earnings to average equity (ytd only) | 16.7217% | 194 |
| Net charge-offs to loans | 0.1754% | 3,547 |
| Credit loss provision to net charge-offs | 372.7273% | 799 |
| Earnings coverage of net charge-offs (x) | 26.1364% | 1,178 |
| Efficiency ratio | 48.7522% | 6,725 |
| Assets per employee ($millions) | 4.6056% | 2,714 |
| Cash dividends to net income (ytd only)* | 17.4102% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 3,395 |
| Loan loss allowance to noncurrent loans | 72.0751% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 3,018 |
| Noncurrent loans to loans | 2.3019% | 2,602 |
| Net loans and leases to total assets | 63.8934% | 3,058 |
| Net loans and leases to deposits | 73.1460% | 3,434 |
| Net loans and leases to core deposits | 74.9521% | 3,892 |
| Total domestic deposits to total assets | 87.3506% | 2,565 |
| Equity capital to assets | 12.1552% | 2,025 |
| Core capital (leverage) ratio | 11.2437% | 2,093 |
| Tier 1 risk-based capital ratio | 18.8156% | 2,023 |
| Total risk-based capital ratio | 20.0725% | 2,000 |
| Memoranda: | ||
| Average total assets | $78,559,670 | 5,478 |
| Average earning assets | $72,157,670 | 5,453 |
| Average equity | $9,078,000 | 5,246 |
| Average total loans | $50,177,670 | 5,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0430% | 292 |
| Cost of funding earning assets | 0.5574% | 5,449 |
| Net interest margin | 5.4856% | 190 |
| Noninterest income to average assets | 0.6811% | 2,750 |
| Noninterest expense to average assets | 2.7703% | 4,157 |
| Loan and lease loss provision to assets | 0.5846% | 984 |
| Net operating income to assets | 2.2417% | 266 |
| Return on assets (ROA) | 2.2417% | 319 |
| Pretax return on assets | 2.3789% | 405 |
| Return on Equity (ROE) | 19.9131% | 394 |
| Retained earnings to average equity (ytd only) | 12.6884% | 730 |
| Net charge-offs to loans | 0.1846% | 3,000 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 25.3478% | 1,032 |
| Efficiency ratio | 48.3156% | 6,780 |
| Assets per employee ($millions) | 4.6913% | 2,674 |
| Cash dividends to net income (ytd only)* | 36.2812% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,597 |
| Loan loss allowance to noncurrent loans | 65.8065% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 3,095 |
| Noncurrent loans to loans | 2.4849% | 2,625 |
| Net loans and leases to total assets | 61.5483% | 3,347 |
| Net loans and leases to deposits | 69.6987% | 3,769 |
| Net loans and leases to core deposits | 71.6103% | 4,208 |
| Total domestic deposits to total assets | 88.3062% | 2,126 |
| Equity capital to assets | 11.2687% | 2,656 |
| Core capital (leverage) ratio | 10.6975% | 2,548 |
| Tier 1 risk-based capital ratio | 17.9438% | 2,311 |
| Total risk-based capital ratio | 19.1997% | 2,286 |
| Memoranda: | ||
| Average total assets | $78,691,500 | 5,522 |
| Average earning assets | $72,481,000 | 5,482 |
| Average equity | $8,858,500 | 5,325 |
| Average total loans | $49,831,500 | 5,235 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9689% | 452 |
| Cost of funding earning assets | 0.6623% | 5,758 |
| Net interest margin | 5.3066% | 236 |
| Noninterest income to average assets | 0.9460% | 1,515 |
| Noninterest expense to average assets | 2.8317% | 4,231 |
| Loan and lease loss provision to assets | 0.6319% | 1,616 |
| Net operating income to assets | 2.2602% | 200 |
| Return on assets (ROA) | 2.5648% | 129 |
| Pretax return on assets | 2.7199% | 158 |
| Return on Equity (ROE) | 24.2922% | 127 |
| Retained earnings to average equity (ytd only) | 10.1825% | 524 |
| Net charge-offs to loans | 0.9174% | 1,890 |
| Credit loss provision to net charge-offs | 111.6228% | 2,977 |
| Earnings coverage of net charge-offs (x) | 5.3487% | 2,822 |
| Efficiency ratio | 48.3263% | 6,931 |
| Assets per employee ($millions) | 4.3128% | 3,226 |
| Cash dividends to net income (ytd only)* | 58.0833% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 4,212 |
| Loan loss allowance to noncurrent loans | 67.9174% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.6952% | 3,406 |
| Noncurrent loans to loans | 2.1422% | 3,019 |
| Net loans and leases to total assets | 63.1668% | 3,360 |
| Net loans and leases to deposits | 71.5273% | 3,869 |
| Net loans and leases to core deposits | 73.1579% | 4,355 |
| Total domestic deposits to total assets | 88.3114% | 1,958 |
| Equity capital to assets | 11.2455% | 2,743 |
| Core capital (leverage) ratio | 10.4707% | 2,761 |
| Tier 1 risk-based capital ratio | 17.4526% | 2,400 |
| Total risk-based capital ratio | 18.7054% | 2,364 |
| Memoranda: | ||
| Average total assets | $80,553,200 | 5,443 |
| Average earning assets | $74,586,200 | 5,389 |
| Average equity | $8,504,800 | 5,405 |
| Average total loans | $49,704,000 | 5,275 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9532% | 506 |
| Cost of funding earning assets | 0.6857% | 5,847 |
| Net interest margin | 5.2676% | 260 |
| Noninterest income to average assets | 0.5462% | 3,537 |
| Noninterest expense to average assets | 2.6983% | 4,731 |
| Loan and lease loss provision to assets | 0.6561% | 1,487 |
| Net operating income to assets | 1.9360% | 391 |
| Return on assets (ROA) | 2.3342% | 213 |
| Pretax return on assets | 2.4966% | 252 |
| Return on Equity (ROE) | 22.4571% | 202 |
| Retained earnings to average equity (ytd only) | 22.4571% | 49 |
| Net charge-offs to loans | 1.0948% | 1,451 |
| Credit loss provision to net charge-offs | 98.0392% | 3,485 |
| Earnings coverage of net charge-offs (x) | 4.0710% | 3,191 |
| Efficiency ratio | 49.7580% | 6,845 |
| Assets per employee ($millions) | 4.4667% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 4,839 |
| Loan loss allowance to noncurrent loans | 63.5057% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 4,067 |
| Noncurrent loans to loans | 2.1039% | 3,239 |
| Net loans and leases to total assets | 60.8955% | 3,964 |
| Net loans and leases to deposits | 70.9771% | 4,142 |
| Net loans and leases to core deposits | 72.5946% | 4,635 |
| Total domestic deposits to total assets | 85.7960% | 3,329 |
| Equity capital to assets | 11.6393% | 2,548 |
| Core capital (leverage) ratio | 10.5971% | 2,766 |
| Tier 1 risk-based capital ratio | 18.4034% | 2,115 |
| Total risk-based capital ratio | 19.6548% | 2,083 |
| Memoranda: | ||
| Average total assets | $81,283,750 | 5,465 |
| Average earning assets | $75,251,250 | 5,411 |
| Average equity | $8,448,500 | 5,451 |
| Average total loans | $49,689,750 | 5,314 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9157% | 559 |
| Cost of funding earning assets | 0.7002% | 5,957 |
| Net interest margin | 5.2155% | 271 |
| Noninterest income to average assets | 0.5394% | 3,566 |
| Noninterest expense to average assets | 2.7630% | 4,578 |
| Loan and lease loss provision to assets | 0.6914% | 1,376 |
| Net operating income to assets | 1.7636% | 539 |
| Return on assets (ROA) | 2.3609% | 212 |
| Pretax return on assets | 2.5301% | 233 |
| Return on Equity (ROE) | 23.6455% | 173 |
| Retained earnings to average equity (ytd only) | 23.6455% | 61 |
| Net charge-offs to loans | 0.8368% | 1,831 |
| Credit loss provision to net charge-offs | 135.5769% | 2,250 |
| Earnings coverage of net charge-offs (x) | 5.0577% | 2,700 |
| Efficiency ratio | 51.7210% | 6,811 |
| Assets per employee ($millions) | 4.5913% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 4,164 |
| Loan loss allowance to noncurrent loans | 52.3174% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.9602% | 3,289 |
| Noncurrent loans to loans | 2.8542% | 2,559 |
| Net loans and leases to total assets | 59.4683% | 4,385 |
| Net loans and leases to deposits | 69.6735% | 4,477 |
| Net loans and leases to core deposits | 71.2327% | 4,925 |
| Total domestic deposits to total assets | 85.3528% | 3,703 |
| Equity capital to assets | 10.4896% | 3,520 |
| Core capital (leverage) ratio | 9.8667% | 3,428 |
| Tier 1 risk-based capital ratio | 17.3500% | 2,394 |
| Total risk-based capital ratio | 18.6040% | 2,368 |
| Memoranda: | ||
| Average total assets | $81,578,330 | 5,497 |
| Average earning assets | $75,122,000 | 5,458 |
| Average equity | $8,145,330 | 5,564 |
| Average total loans | $49,712,000 | 5,368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 728 |
| Cost of funding earning assets | 0.7371% | 5,937 |
| Net interest margin | 5.0734% | 326 |
| Noninterest income to average assets | 1.3276% | 731 |
| Noninterest expense to average assets | 2.8577% | 4,238 |
| Loan and lease loss provision to assets | 0.3800% | 2,287 |
| Net operating income to assets | 2.5560% | 166 |
| Return on assets (ROA) | 3.4006% | 97 |
| Pretax return on assets | 3.6523% | 118 |
| Return on Equity (ROE) | 34.9591% | 57 |
| Retained earnings to average equity (ytd only) | 34.9591% | 44 |
| Net charge-offs to loans | 0.2418% | 3,110 |
| Credit loss provision to net charge-offs | 256.6667% | 1,215 |
| Earnings coverage of net charge-offs (x) | 21.1000% | 1,092 |
| Efficiency ratio | 47.7723% | 7,125 |
| Assets per employee ($millions) | 4.4880% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 4,439 |
| Loan loss allowance to noncurrent loans | 46.0897% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 3.0551% | 2,259 |
| Noncurrent loans to loans | 3.1450% | 2,391 |
| Net loans and leases to total assets | 60.5107% | 4,173 |
| Net loans and leases to deposits | 67.8177% | 4,702 |
| Net loans and leases to core deposits | 69.2904% | 5,131 |
| Total domestic deposits to total assets | 89.2256% | 1,636 |
| Equity capital to assets | 10.2359% | 3,492 |
| Core capital (leverage) ratio | 9.7219% | 3,491 |
| Tier 1 risk-based capital ratio | 16.8048% | 2,545 |
| Total risk-based capital ratio | 18.0588% | 2,512 |
| Memoranda: | ||
| Average total assets | $81,045,500 | 5,561 |
| Average earning assets | $74,349,000 | 5,528 |
| Average equity | $7,883,500 | 5,653 |
| Average total loans | $49,622,000 | 5,412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1606% | 619 |
| Cost of funding earning assets | 0.9202% | 6,080 |
| Net interest margin | 5.2404% | 265 |
| Noninterest income to average assets | 0.5446% | 3,854 |
| Noninterest expense to average assets | 2.6993% | 4,994 |
| Loan and lease loss provision to assets | 0.3115% | 4,313 |
| Net operating income to assets | 2.1901% | 202 |
| Return on assets (ROA) | 2.2631% | 170 |
| Pretax return on assets | 2.4239% | 210 |
| Return on Equity (ROE) | 22.4981% | 156 |
| Retained earnings to average equity (ytd only) | 3.1715% | 3,646 |
| Net charge-offs to loans | 0.5457% | 3,427 |
| Credit loss provision to net charge-offs | 93.6330% | 4,962 |
| Earnings coverage of net charge-offs (x) | 7.9850% | 2,033 |
| Efficiency ratio | 50.3955% | 7,094 |
| Assets per employee ($millions) | 4.5171% | 2,835 |
| Cash dividends to net income (ytd only)* | 85.9031% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,738 |
| Loan loss allowance to noncurrent loans | 56.2919% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.9814% | 3,371 |
| Noncurrent loans to loans | 2.4012% | 3,116 |
| Net loans and leases to total assets | 60.2297% | 4,640 |
| Net loans and leases to deposits | 67.1544% | 5,223 |
| Net loans and leases to core deposits | 68.5926% | 5,599 |
| Total domestic deposits to total assets | 89.6885% | 1,277 |
| Equity capital to assets | 9.2218% | 4,803 |
| Core capital (leverage) ratio | 8.8847% | 4,721 |
| Tier 1 risk-based capital ratio | 15.5980% | 2,953 |
| Total risk-based capital ratio | 16.8505% | 2,913 |
| Memoranda: | ||
| Average total assets | $80,244,200 | 5,589 |
| Average earning assets | $73,677,800 | 5,550 |
| Average equity | $8,071,800 | 5,690 |
| Average total loans | $48,927,800 | 5,528 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1910% | 624 |
| Cost of funding earning assets | 0.9529% | 6,162 |
| Net interest margin | 5.2381% | 269 |
| Noninterest income to average assets | 0.5685% | 3,662 |
| Noninterest expense to average assets | 2.6657% | 5,024 |
| Loan and lease loss provision to assets | 0.3468% | 3,836 |
| Net operating income to assets | 2.2079% | 239 |
| Return on assets (ROA) | 2.3056% | 201 |
| Pretax return on assets | 2.4723% | 239 |
| Return on Equity (ROE) | 22.4455% | 184 |
| Retained earnings to average equity (ytd only) | 22.4455% | 54 |
| Net charge-offs to loans | 0.5990% | 2,947 |
| Credit loss provision to net charge-offs | 94.9772% | 4,565 |
| Earnings coverage of net charge-offs (x) | 7.4339% | 2,335 |
| Efficiency ratio | 49.5507% | 7,181 |
| Assets per employee ($millions) | 4.2134% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 4,596 |
| Loan loss allowance to noncurrent loans | 58.7164% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 2.0861% | 3,359 |
| Noncurrent loans to loans | 2.3431% | 3,296 |
| Net loans and leases to total assets | 60.6241% | 4,796 |
| Net loans and leases to deposits | 69.0110% | 5,275 |
| Net loans and leases to core deposits | 70.2344% | 5,722 |
| Total domestic deposits to total assets | 87.8470% | 2,052 |
| Equity capital to assets | 11.3224% | 2,684 |
| Core capital (leverage) ratio | 10.4671% | 2,716 |
| Tier 1 risk-based capital ratio | 18.1536% | 1,986 |
| Total risk-based capital ratio | 19.4057% | 1,939 |
| Memoranda: | ||
| Average total assets | $79,978,500 | 5,665 |
| Average earning assets | $73,459,750 | 5,620 |
| Average equity | $8,215,250 | 5,726 |
| Average total loans | $48,749,250 | 5,612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1831% | 643 |
| Cost of funding earning assets | 0.9901% | 6,194 |
| Net interest margin | 5.1931% | 288 |
| Noninterest income to average assets | 0.5728% | 3,523 |
| Noninterest expense to average assets | 2.6490% | 5,130 |
| Loan and lease loss provision to assets | 0.4878% | 2,857 |
| Net operating income to assets | 2.0422% | 314 |
| Return on assets (ROA) | 2.1888% | 259 |
| Pretax return on assets | 2.3564% | 305 |
| Return on Equity (ROE) | 22.0616% | 208 |
| Retained earnings to average equity (ytd only) | 22.0616% | 66 |
| Net charge-offs to loans | 0.3827% | 3,445 |
| Credit loss provision to net charge-offs | 209.6774% | 1,856 |
| Earnings coverage of net charge-offs (x) | 11.5484% | 1,758 |
| Efficiency ratio | 49.6484% | 7,249 |
| Assets per employee ($millions) | 4.1654% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 3,436 |
| Loan loss allowance to noncurrent loans | 60.2134% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.0583% | 3,436 |
| Noncurrent loans to loans | 2.6612% | 2,978 |
| Net loans and leases to total assets | 61.2954% | 4,822 |
| Net loans and leases to deposits | 69.1463% | 5,399 |
| Net loans and leases to core deposits | 70.3854% | 5,836 |
| Total domestic deposits to total assets | 88.6459% | 1,644 |
| Equity capital to assets | 10.6819% | 3,190 |
| Core capital (leverage) ratio | 9.7192% | 3,513 |
| Tier 1 risk-based capital ratio | 17.0548% | 2,260 |
| Total risk-based capital ratio | 18.3107% | 2,212 |
| Memoranda: | ||
| Average total assets | $79,953,330 | 5,699 |
| Average earning assets | $73,328,330 | 5,664 |
| Average equity | $7,932,330 | 5,827 |
| Average total loans | $48,596,000 | 5,659 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1330% | 732 |
| Cost of funding earning assets | 1.0222% | 6,268 |
| Net interest margin | 5.1108% | 342 |
| Noninterest income to average assets | 0.6571% | 2,895 |
| Noninterest expense to average assets | 2.6332% | 5,218 |
| Loan and lease loss provision to assets | 0.3385% | 3,358 |
| Net operating income to assets | 2.2151% | 245 |
| Return on assets (ROA) | 2.2151% | 271 |
| Pretax return on assets | 2.3644% | 316 |
| Return on Equity (ROE) | 23.2028% | 220 |
| Retained earnings to average equity (ytd only) | 23.2028% | 129 |
| Net charge-offs to loans | 0.4229% | 2,778 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 10.6471% | 1,724 |
| Efficiency ratio | 49.3470% | 7,355 |
| Assets per employee ($millions) | 4.2293% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 4,153 |
| Loan loss allowance to noncurrent loans | 55.8195% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 2.0185% | 3,480 |
| Noncurrent loans to loans | 2.6069% | 3,059 |
| Net loans and leases to total assets | 59.4136% | 5,219 |
| Net loans and leases to deposits | 66.3706% | 5,782 |
| Net loans and leases to core deposits | 67.5118% | 6,149 |
| Total domestic deposits to total assets | 89.5180% | 1,237 |
| Equity capital to assets | 9.8174% | 4,084 |
| Core capital (leverage) ratio | 9.2722% | 4,100 |
| Tier 1 risk-based capital ratio | 16.1979% | 2,566 |
| Total risk-based capital ratio | 17.4506% | 2,525 |
| Memoranda: | ||
| Average total assets | $80,358,500 | 5,760 |
| Average earning assets | $73,569,500 | 5,721 |
| Average equity | $7,671,500 | 5,953 |
| Average total loans | $48,243,500 | 5,747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4808% | 700 |
| Cost of funding earning assets | 1.1729% | 6,755 |
| Net interest margin | 5.3078% | 240 |
| Noninterest income to average assets | 0.6187% | 3,500 |
| Noninterest expense to average assets | 2.8582% | 4,708 |
| Loan and lease loss provision to assets | 0.2828% | 5,157 |
| Net operating income to assets | 2.2874% | 122 |
| Return on assets (ROA) | 2.3287% | 125 |
| Pretax return on assets | 2.4836% | 161 |
| Return on Equity (ROE) | 23.4399% | 121 |
| Retained earnings to average equity (ytd only) | 1.7941% | 3,836 |
| Net charge-offs to loans | 0.2941% | 4,793 |
| Credit loss provision to net charge-offs | 161.0294% | 2,760 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,306 |
| Efficiency ratio | 51.2150% | 7,453 |
| Assets per employee ($millions) | 4.2295% | 3,379 |
| Cash dividends to net income (ytd only)* | 92.3461% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 4,065 |
| Loan loss allowance to noncurrent loans | 73.4258% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 3,939 |
| Noncurrent loans to loans | 1.9505% | 3,732 |
| Net loans and leases to total assets | 58.9236% | 5,501 |
| Net loans and leases to deposits | 65.4399% | 6,118 |
| Net loans and leases to core deposits | 75.9219% | 6,403 |
| Total domestic deposits to total assets | 90.0423% | 939 |
| Equity capital to assets | 9.2758% | 4,730 |
| Core capital (leverage) ratio | 8.8312% | 4,719 |
| Tier 1 risk-based capital ratio | 15.2654% | 2,818 |
| Total risk-based capital ratio | 16.5185% | 2,775 |
| Memoranda: | ||
| Average total assets | $77,426,400 | 5,796 |
| Average earning assets | $72,383,400 | 5,742 |
| Average equity | $7,692,000 | 6,024 |
| Average total loans | $46,236,400 | 5,829 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5008% | 745 |
| Cost of funding earning assets | 1.1949% | 6,905 |
| Net interest margin | 5.3059% | 248 |
| Noninterest income to average assets | 0.6658% | 3,250 |
| Noninterest expense to average assets | 2.8859% | 4,518 |
| Loan and lease loss provision to assets | 0.2573% | 4,894 |
| Net operating income to assets | 2.3592% | 134 |
| Return on assets (ROA) | 2.4148% | 133 |
| Pretax return on assets | 2.5764% | 173 |
| Return on Equity (ROE) | 23.8915% | 132 |
| Retained earnings to average equity (ytd only) | 23.8915% | 33 |
| Net charge-offs to loans | 0.2097% | 4,725 |
| Credit loss provision to net charge-offs | 205.5556% | 2,162 |
| Earnings coverage of net charge-offs (x) | 22.1661% | 1,168 |
| Efficiency ratio | 50.9828% | 7,487 |
| Assets per employee ($millions) | 4.3379% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 3,564 |
| Loan loss allowance to noncurrent loans | 70.4663% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 4,232 |
| Noncurrent loans to loans | 2.0960% | 3,508 |
| Net loans and leases to total assets | 58.0915% | 5,875 |
| Net loans and leases to deposits | 66.1615% | 6,296 |
| Net loans and leases to core deposits | 76.2516% | 6,594 |
| Total domestic deposits to total assets | 87.8026% | 1,748 |
| Equity capital to assets | 11.2023% | 2,834 |
| Core capital (leverage) ratio | 10.6532% | 2,664 |
| Tier 1 risk-based capital ratio | 19.1047% | 1,725 |
| Total risk-based capital ratio | 20.3580% | 1,683 |
| Memoranda: | ||
| Average total assets | $76,693,000 | 5,856 |
| Average earning assets | $72,194,750 | 5,780 |
| Average equity | $7,751,500 | 6,062 |
| Average total loans | $45,785,750 | 5,894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5477% | 734 |
| Cost of funding earning assets | 1.2253% | 7,034 |
| Net interest margin | 5.3224% | 236 |
| Noninterest income to average assets | 0.7530% | 2,685 |
| Noninterest expense to average assets | 3.0723% | 3,806 |
| Loan and lease loss provision to assets | 0.2755% | 4,377 |
| Net operating income to assets | 2.2905% | 163 |
| Return on assets (ROA) | 2.3744% | 152 |
| Pretax return on assets | 2.5318% | 203 |
| Return on Equity (ROE) | 24.3946% | 146 |
| Retained earnings to average equity (ytd only) | 24.3946% | 47 |
| Net charge-offs to loans | 0.1882% | 4,382 |
| Credit loss provision to net charge-offs | 244.1860% | 1,902 |
| Earnings coverage of net charge-offs (x) | 24.0930% | 1,163 |
| Efficiency ratio | 53.0585% | 7,427 |
| Assets per employee ($millions) | 4.2023% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,504 |
| Loan loss allowance to noncurrent loans | 60.8577% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 3,793 |
| Noncurrent loans to loans | 2.3722% | 3,048 |
| Net loans and leases to total assets | 60.1975% | 5,644 |
| Net loans and leases to deposits | 67.9146% | 6,200 |
| Net loans and leases to core deposits | 77.7070% | 6,560 |
| Total domestic deposits to total assets | 88.6371% | 1,468 |
| Equity capital to assets | 10.4745% | 3,437 |
| Core capital (leverage) ratio | 10.0953% | 3,193 |
| Tier 1 risk-based capital ratio | 18.2294% | 1,948 |
| Total risk-based capital ratio | 19.4831% | 1,898 |
| Memoranda: | ||
| Average total assets | $76,230,000 | 5,912 |
| Average earning assets | $72,147,330 | 5,818 |
| Average equity | $7,419,670 | 6,212 |
| Average total loans | $45,701,330 | 5,947 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6303% | 663 |
| Cost of funding earning assets | 1.2962% | 7,022 |
| Net interest margin | 5.3342% | 223 |
| Noninterest income to average assets | 1.0768% | 1,290 |
| Noninterest expense to average assets | 2.5874% | 5,509 |
| Loan and lease loss provision to assets | 0.3711% | 3,101 |
| Net operating income to assets | 2.9690% | 69 |
| Return on assets (ROA) | 2.9690% | 84 |
| Pretax return on assets | 3.1519% | 110 |
| Return on Equity (ROE) | 31.6964% | 84 |
| Retained earnings to average equity (ytd only) | 31.6964% | 46 |
| Net charge-offs to loans | 0.0616% | 4,594 |
| Credit loss provision to net charge-offs | 1,014.2857% | 605 |
| Earnings coverage of net charge-offs (x) | 96.2857% | 441 |
| Efficiency ratio | 42.3439% | 7,989 |
| Assets per employee ($millions) | 4.2446% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 3,153 |
| Loan loss allowance to noncurrent loans | 55.1980% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.7303% | 3,318 |
| Noncurrent loans to loans | 2.6597% | 2,469 |
| Net loans and leases to total assets | 58.7673% | 5,838 |
| Net loans and leases to deposits | 65.8619% | 6,389 |
| Net loans and leases to core deposits | 74.4919% | 6,777 |
| Total domestic deposits to total assets | 89.2282% | 1,132 |
| Equity capital to assets | 9.9158% | 4,094 |
| Core capital (leverage) ratio | 9.6847% | 3,776 |
| Tier 1 risk-based capital ratio | 17.3454% | 2,231 |
| Total risk-based capital ratio | 18.5991% | 2,175 |
| Memoranda: | ||
| Average total assets | $76,524,500 | 5,927 |
| Average earning assets | $72,213,500 | 5,839 |
| Average equity | $7,168,000 | 6,346 |
| Average total loans | $45,451,500 | 5,988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9231% | 1,335 |
| Cost of funding earning assets | 2.0209% | 6,344 |
| Net interest margin | 4.9021% | 630 |
| Noninterest income to average assets | 0.6272% | 3,655 |
| Noninterest expense to average assets | 2.5256% | 5,910 |
| Loan and lease loss provision to assets | 0.3315% | 3,740 |
| Net operating income to assets | 2.3327% | 178 |
| Return on assets (ROA) | 2.3438% | 172 |
| Pretax return on assets | 2.4206% | 235 |
| Return on Equity (ROE) | 25.1594% | 133 |
| Retained earnings to average equity (ytd only) | 1.1130% | 4,563 |
| Net charge-offs to loans | 0.3654% | 3,007 |
| Credit loss provision to net charge-offs | 167.0968% | 3,074 |
| Earnings coverage of net charge-offs (x) | 13.8129% | 2,103 |
| Efficiency ratio | 47.9582% | 7,813 |
| Assets per employee ($millions) | 4.2581% | 3,023 |
| Cash dividends to net income (ytd only)* | 95.5762% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 3,565 |
| Loan loss allowance to noncurrent loans | 74.4157% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 4,169 |
| Noncurrent loans to loans | 1.7934% | 3,072 |
| Net loans and leases to total assets | 58.3579% | 6,150 |
| Net loans and leases to deposits | 65.0339% | 6,714 |
| Net loans and leases to core deposits | 74.3624% | 6,949 |
| Total domestic deposits to total assets | 89.7346% | 756 |
| Equity capital to assets | 8.8198% | 5,618 |
| Core capital (leverage) ratio | 8.7326% | 5,143 |
| Tier 1 risk-based capital ratio | 16.2126% | 2,580 |
| Total risk-based capital ratio | 17.4644% | 2,515 |
| Memoranda: | ||
| Average total assets | $78,119,600 | 5,762 |
| Average earning assets | $73,926,800 | 5,665 |
| Average equity | $7,277,600 | 6,361 |
| Average total loans | $42,415,000 | 6,052 |