Home > Union State Bank > Performance and Condition Ratios
Union State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 2,832 |
| Cost of funding earning assets | 2.0618% | 2,074 |
| Net interest margin | 3.0907% | 2,968 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.6105% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5537% | 3,344 |
| Return on assets (ROA) | 0.4817% | 3,541 |
| Pretax return on assets | 0.5511% | 3,558 |
| Return on Equity (ROE) | 5.8700% | 3,326 |
| Retained earnings to average equity (ytd only) | 4.8945% | 2,275 |
| Net charge-offs to loans | 0.0834% | 1,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 12.0678% | 2,176 |
| Efficiency ratio | 80.4610% | 1,012 |
| Assets per employee ($millions) | 6.7575% | 2,325 |
| Cash dividends to net income (ytd only)* | 16.6359% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,151 |
| Loan loss allowance to noncurrent loans | 2,030.5556% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 3,459 |
| Noncurrent loans to loans | 0.0499% | 3,392 |
| Net loans and leases to total assets | 62.1900% | 2,747 |
| Net loans and leases to deposits | 74.3645% | 2,612 |
| Net loans and leases to core deposits | 78.3314% | 2,894 |
| Total domestic deposits to total assets | 83.6300% | 2,881 |
| Equity capital to assets | 8.1922% | 3,394 |
| Core capital (leverage) ratio | 11.3676% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $112,314,600 | 3,673 |
| Average earning assets | $104,764,600 | 3,656 |
| Average equity | $9,214,400 | 3,841 |
| Average total loans | $70,707,000 | 3,555 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 2,932 |
| Cost of funding earning assets | 2.0660% | 2,061 |
| Net interest margin | 3.0007% | 3,094 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 2.6457% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4636% | 3,549 |
| Return on assets (ROA) | 0.3737% | 3,767 |
| Pretax return on assets | 0.4597% | 3,716 |
| Return on Equity (ROE) | 4.5500% | 3,621 |
| Retained earnings to average equity (ytd only) | 4.1169% | 2,805 |
| Net charge-offs to loans | 0.1232% | 861 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 7.3538% | 2,269 |
| Efficiency ratio | 82.2569% | 930 |
| Assets per employee ($millions) | 7.9563% | 1,543 |
| Cash dividends to net income (ytd only)* | 9.5847% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,225 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 64.1600% | 2,511 |
| Net loans and leases to deposits | 77.4012% | 2,396 |
| Net loans and leases to core deposits | 81.8282% | 2,697 |
| Total domestic deposits to total assets | 82.8900% | 2,883 |
| Equity capital to assets | 8.7819% | 3,186 |
| Core capital (leverage) ratio | 12.0741% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $111,674,000 | 3,686 |
| Average earning assets | $104,418,500 | 3,675 |
| Average equity | $9,165,250 | 3,863 |
| Average total loans | $70,341,250 | 3,571 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 2,989 |
| Cost of funding earning assets | 2.0685% | 1,957 |
| Net interest margin | 2.9093% | 3,237 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.5302% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5009% | 3,425 |
| Return on assets (ROA) | 0.3561% | 3,783 |
| Pretax return on assets | 0.4116% | 3,782 |
| Return on Equity (ROE) | 4.4400% | 3,645 |
| Retained earnings to average equity (ytd only) | 3.7725% | 2,801 |
| Net charge-offs to loans | 0.1922% | 562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 4.8209% | 2,247 |
| Efficiency ratio | 81.4047% | 1,028 |
| Assets per employee ($millions) | 6.4960% | 2,408 |
| Cash dividends to net income (ytd only)* | 15.0754% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,094 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.6400% | 2,690 |
| Net loans and leases to deposits | 74.9767% | 2,622 |
| Net loans and leases to core deposits | 78.8346% | 2,869 |
| Total domestic deposits to total assets | 83.5500% | 2,734 |
| Equity capital to assets | 8.1208% | 3,352 |
| Core capital (leverage) ratio | 12.1127% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $111,769,333 | 3,697 |
| Average earning assets | $104,425,000 | 3,689 |
| Average equity | $8,959,667 | 3,872 |
| Average total loans | $69,725,667 | 3,582 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 3,125 |
| Cost of funding earning assets | 2.0525% | 1,881 |
| Net interest margin | 2.7633% | 3,439 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.4227% | 2,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.5278% | 3,322 |
| Return on assets (ROA) | 0.2135% | 3,992 |
| Pretax return on assets | 0.2277% | 3,998 |
| Return on Equity (ROE) | 2.6800% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.6799% | 3,075 |
| Net charge-offs to loans | 0.3676% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 2.4688% | 1,997 |
| Efficiency ratio | 81.1681% | 1,116 |
| Assets per employee ($millions) | 6.4574% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,131 |
| Loan loss allowance to noncurrent loans | 982.4324% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,390 |
| Noncurrent loans to loans | 0.1052% | 3,088 |
| Net loans and leases to total assets | 63.4300% | 2,527 |
| Net loans and leases to deposits | 75.8450% | 2,439 |
| Net loans and leases to core deposits | 79.4204% | 2,765 |
| Total domestic deposits to total assets | 83.6300% | 2,826 |
| Equity capital to assets | 8.0975% | 3,296 |
| Core capital (leverage) ratio | 11.7216% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $112,438,000 | 3,708 |
| Average earning assets | $105,235,500 | 3,686 |
| Average equity | $8,955,500 | 3,887 |
| Average total loans | $69,639,500 | 3,583 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 3,473 |
| Cost of funding earning assets | 1.5658% | 1,780 |
| Net interest margin | 2.7128% | 3,802 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.4683% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3739% | 3,921 |
| Return on assets (ROA) | 0.3466% | 3,955 |
| Pretax return on assets | 0.3858% | 3,983 |
| Return on Equity (ROE) | 4.4200% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.3988% | 3,163 |
| Net charge-offs to loans | -0.0193% | 4,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.5731% | 587 |
| Assets per employee ($millions) | 6.3945% | 2,483 |
| Cash dividends to net income (ytd only)* | 23.1362% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 2,571 |
| Loan loss allowance to noncurrent loans | 417.9894% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,440 |
| Noncurrent loans to loans | 0.2742% | 2,201 |
| Net loans and leases to total assets | 59.1900% | 2,924 |
| Net loans and leases to deposits | 70.9580% | 2,819 |
| Net loans and leases to core deposits | 73.9052% | 3,077 |
| Total domestic deposits to total assets | 83.4200% | 2,777 |
| Equity capital to assets | 7.8383% | 3,519 |
| Core capital (leverage) ratio | 11.3914% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $112,224,800 | 3,725 |
| Average earning assets | $104,099,800 | 3,705 |
| Average equity | $8,797,200 | 3,841 |
| Average total loans | $67,344,200 | 3,587 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,501 |
| Cost of funding earning assets | 1.4231% | 1,801 |
| Net interest margin | 2.7584% | 3,793 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.4405% | 2,406 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4124% | 3,944 |
| Return on assets (ROA) | 0.3778% | 4,003 |
| Pretax return on assets | 0.4424% | 4,000 |
| Return on Equity (ROE) | 4.8200% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.3625% | 3,163 |
| Net charge-offs to loans | -0.0179% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.4765% | 645 |
| Assets per employee ($millions) | 6.1944% | 2,569 |
| Cash dividends to net income (ytd only)* | 9.4937% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,598 |
| Loan loss allowance to noncurrent loans | 415.8730% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 2,457 |
| Noncurrent loans to loans | 0.2775% | 2,243 |
| Net loans and leases to total assets | 60.3900% | 2,799 |
| Net loans and leases to deposits | 73.7981% | 2,586 |
| Net loans and leases to core deposits | 77.4466% | 2,771 |
| Total domestic deposits to total assets | 81.8200% | 3,246 |
| Equity capital to assets | 7.4404% | 3,390 |
| Core capital (leverage) ratio | 12.0424% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $111,505,750 | 3,742 |
| Average earning assets | $103,244,750 | 3,723 |
| Average equity | $8,741,000 | 3,855 |
| Average total loans | $66,950,000 | 3,605 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,546 |
| Cost of funding earning assets | 1.2421% | 1,875 |
| Net interest margin | 2.8290% | 3,779 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4411% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4428% | 3,924 |
| Return on assets (ROA) | 0.3928% | 4,027 |
| Pretax return on assets | 0.4807% | 3,998 |
| Return on Equity (ROE) | 4.9300% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.2523% | 3,144 |
| Net charge-offs to loans | -0.0180% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.8400% | 719 |
| Assets per employee ($millions) | 6.1982% | 2,543 |
| Cash dividends to net income (ytd only)* | 13.6986% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,618 |
| Loan loss allowance to noncurrent loans | 413.7566% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,370 |
| Noncurrent loans to loans | 0.2819% | 2,136 |
| Net loans and leases to total assets | 59.4000% | 2,828 |
| Net loans and leases to deposits | 73.0201% | 2,579 |
| Net loans and leases to core deposits | 76.1225% | 2,755 |
| Total domestic deposits to total assets | 81.3500% | 3,366 |
| Equity capital to assets | 7.9880% | 3,223 |
| Core capital (leverage) ratio | 11.8848% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $111,508,000 | 3,753 |
| Average earning assets | $103,215,333 | 3,743 |
| Average equity | $8,889,333 | 3,863 |
| Average total loans | $66,561,667 | 3,615 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,549 |
| Cost of funding earning assets | 1.1374% | 1,637 |
| Net interest margin | 2.8127% | 3,933 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.3359% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4947% | 3,913 |
| Return on assets (ROA) | 0.3983% | 4,043 |
| Pretax return on assets | 0.5346% | 3,940 |
| Return on Equity (ROE) | 5.0000% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.0011% | 3,018 |
| Net charge-offs to loans | -0.0181% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.0576% | 999 |
| Assets per employee ($millions) | 5.7435% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 2,701 |
| Loan loss allowance to noncurrent loans | 516.5563% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 2,541 |
| Noncurrent loans to loans | 0.2272% | 2,357 |
| Net loans and leases to total assets | 60.2000% | 2,628 |
| Net loans and leases to deposits | 71.2836% | 2,523 |
| Net loans and leases to core deposits | 74.0476% | 2,673 |
| Total domestic deposits to total assets | 84.4500% | 2,984 |
| Equity capital to assets | 8.4004% | 2,968 |
| Core capital (leverage) ratio | 11.7082% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $111,478,000 | 3,810 |
| Average earning assets | $103,390,000 | 3,790 |
| Average equity | $8,878,000 | 3,907 |
| Average total loans | $66,315,000 | 3,662 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 2,915 |
| Cost of funding earning assets | 0.5207% | 1,262 |
| Net interest margin | 3.0393% | 3,329 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.3494% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6435% | 3,772 |
| Return on assets (ROA) | 0.6470% | 3,715 |
| Pretax return on assets | 0.8291% | 3,553 |
| Return on Equity (ROE) | 7.8400% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.8751% | 2,291 |
| Net charge-offs to loans | -0.0730% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.0184% | 1,219 |
| Assets per employee ($millions) | 6.6959% | 2,187 |
| Cash dividends to net income (ytd only)* | 12.2951% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,012 |
| Loan loss allowance to noncurrent loans | 437.3057% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,359 |
| Noncurrent loans to loans | 0.2917% | 2,098 |
| Net loans and leases to total assets | 57.3800% | 2,884 |
| Net loans and leases to deposits | 67.7093% | 2,748 |
| Net loans and leases to core deposits | 69.9097% | 2,878 |
| Total domestic deposits to total assets | 84.7400% | 3,053 |
| Equity capital to assets | 7.5455% | 3,361 |
| Core capital (leverage) ratio | 11.8424% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $113,133,400 | 3,797 |
| Average earning assets | $105,058,400 | 3,789 |
| Average equity | $9,338,000 | 3,959 |
| Average total loans | $64,382,400 | 3,668 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4901% | 2,646 |
| Cost of funding earning assets | 0.4288% | 1,105 |
| Net interest margin | 3.0613% | 3,050 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.2875% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7193% | 3,511 |
| Return on assets (ROA) | 0.7212% | 3,455 |
| Pretax return on assets | 0.9301% | 3,238 |
| Return on Equity (ROE) | 8.5500% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.1326% | 1,949 |
| Net charge-offs to loans | -0.0542% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.1454% | 1,623 |
| Assets per employee ($millions) | 6.5316% | 2,294 |
| Cash dividends to net income (ytd only)* | 4.9100% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,216 |
| Loan loss allowance to noncurrent loans | 1,916.2791% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,524 |
| Noncurrent loans to loans | 0.0657% | 3,405 |
| Net loans and leases to total assets | 58.1800% | 2,677 |
| Net loans and leases to deposits | 67.2300% | 2,614 |
| Net loans and leases to core deposits | 68.4741% | 2,758 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 7.3831% | 3,279 |
| Core capital (leverage) ratio | 11.2724% | 1,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $112,959,250 | 3,824 |
| Average earning assets | $105,095,750 | 3,805 |
| Average equity | $9,525,250 | 3,977 |
| Average total loans | $63,939,250 | 3,692 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 2,347 |
| Cost of funding earning assets | 0.3523% | 1,240 |
| Net interest margin | 3.0794% | 2,605 |
| Noninterest income to average assets | 0.3785% | 2,883 |
| Noninterest expense to average assets | 2.2887% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7334% | 3,202 |
| Return on assets (ROA) | 0.7306% | 3,161 |
| Pretax return on assets | 0.9489% | 2,902 |
| Return on Equity (ROE) | 8.3269% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.7250% | 1,718 |
| Net charge-offs to loans | -0.0851% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6138% | 1,869 |
| Assets per employee ($millions) | 6.2388% | 2,531 |
| Cash dividends to net income (ytd only)* | 7.2289% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,459 |
| Loan loss allowance to noncurrent loans | 1,791.3043% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,577 |
| Noncurrent loans to loans | 0.0694% | 3,452 |
| Net loans and leases to total assets | 58.3261% | 2,497 |
| Net loans and leases to deposits | 67.8774% | 2,397 |
| Net loans and leases to core deposits | 68.9456% | 2,572 |
| Total domestic deposits to total assets | 85.9285% | 3,266 |
| Equity capital to assets | 8.0678% | 3,070 |
| Core capital (leverage) ratio | 10.9658% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,599,667 | 3,856 |
| Average earning assets | $105,606,667 | 3,850 |
| Average equity | $9,967,667 | 3,993 |
| Average total loans | $63,442,333 | 3,733 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 1,906 |
| Cost of funding earning assets | 0.3335% | 1,334 |
| Net interest margin | 3.1323% | 2,076 |
| Noninterest income to average assets | 0.4376% | 2,455 |
| Noninterest expense to average assets | 2.1392% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9082% | 2,246 |
| Return on assets (ROA) | 0.9138% | 2,232 |
| Pretax return on assets | 1.2324% | 1,700 |
| Return on Equity (ROE) | 10.0178% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.0178% | 1,011 |
| Net charge-offs to loans | -0.0258% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5796% | 3,080 |
| Assets per employee ($millions) | 6.2808% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,318 |
| Loan loss allowance to noncurrent loans | 1,743.4783% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 3,623 |
| Noncurrent loans to loans | 0.0750% | 3,468 |
| Net loans and leases to total assets | 53.5213% | 2,818 |
| Net loans and leases to deposits | 62.5134% | 2,673 |
| Net loans and leases to core deposits | 63.4955% | 2,836 |
| Total domestic deposits to total assets | 85.6157% | 3,376 |
| Equity capital to assets | 8.4084% | 3,233 |
| Core capital (leverage) ratio | 10.3226% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,250,500 | 3,871 |
| Average earning assets | $106,758,000 | 3,850 |
| Average equity | $10,421,500 | 4,010 |
| Average total loans | $62,002,000 | 3,762 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 2,478 |
| Cost of funding earning assets | 0.4048% | 1,515 |
| Net interest margin | 3.1581% | 2,716 |
| Noninterest income to average assets | 0.4094% | 2,999 |
| Noninterest expense to average assets | 2.2677% | 2,889 |
| Loan and lease loss provision to assets | 0.0769% | 1,582 |
| Net operating income to assets | 0.7567% | 3,464 |
| Return on assets (ROA) | 0.7479% | 3,560 |
| Pretax return on assets | 0.9745% | 3,332 |
| Return on Equity (ROE) | 7.6996% | 3,320 |
| Retained earnings to average equity (ytd only) | 6.9077% | 1,954 |
| Net charge-offs to loans | 0.3031% | 284 |
| Credit loss provision to net charge-offs | 45.4545% | 2,164 |
| Earnings coverage of net charge-offs (x) | 6.2778% | 2,408 |
| Efficiency ratio | 68.0955% | 1,962 |
| Assets per employee ($millions) | 6.7910% | 2,076 |
| Cash dividends to net income (ytd only)* | 10.2857% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,488 |
| Loan loss allowance to noncurrent loans | 102.4390% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 953 |
| Noncurrent loans to loans | 1.2425% | 776 |
| Net loans and leases to total assets | 53.6142% | 2,896 |
| Net loans and leases to deposits | 63.5613% | 2,729 |
| Net loans and leases to core deposits | 64.5557% | 2,937 |
| Total domestic deposits to total assets | 84.3504% | 3,459 |
| Equity capital to assets | 9.8201% | 2,831 |
| Core capital (leverage) ratio | 10.2863% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,988,600 | 3,832 |
| Average earning assets | $108,196,800 | 3,829 |
| Average equity | $11,364,200 | 3,995 |
| Average total loans | $65,317,400 | 3,736 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 2,243 |
| Cost of funding earning assets | 0.4173% | 1,566 |
| Net interest margin | 3.2956% | 2,429 |
| Noninterest income to average assets | 0.4180% | 2,995 |
| Noninterest expense to average assets | 2.1219% | 3,303 |
| Loan and lease loss provision to assets | 0.1022% | 1,179 |
| Net operating income to assets | 0.9443% | 3,107 |
| Return on assets (ROA) | 0.9326% | 3,220 |
| Pretax return on assets | 1.2200% | 2,867 |
| Return on Equity (ROE) | 9.6266% | 2,873 |
| Retained earnings to average equity (ytd only) | 9.2748% | 1,585 |
| Net charge-offs to loans | 0.4365% | 175 |
| Credit loss provision to net charge-offs | 41.6667% | 1,907 |
| Earnings coverage of net charge-offs (x) | 5.4491% | 2,222 |
| Efficiency ratio | 61.3465% | 2,785 |
| Assets per employee ($millions) | 5.7200% | 2,970 |
| Cash dividends to net income (ytd only)* | 3.6541% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,668 |
| Loan loss allowance to noncurrent loans | 77.4578% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 785 |
| Noncurrent loans to loans | 1.6294% | 625 |
| Net loans and leases to total assets | 53.3405% | 3,043 |
| Net loans and leases to deposits | 67.0642% | 2,533 |
| Net loans and leases to core deposits | 68.3969% | 2,742 |
| Total domestic deposits to total assets | 79.5365% | 4,294 |
| Equity capital to assets | 10.0254% | 2,875 |
| Core capital (leverage) ratio | 10.0564% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,374,000 | 3,875 |
| Average earning assets | $108,303,250 | 3,872 |
| Average equity | $11,371,000 | 4,049 |
| Average total loans | $65,973,250 | 3,779 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 1,716 |
| Cost of funding earning assets | 0.4307% | 1,655 |
| Net interest margin | 3.5078% | 1,837 |
| Noninterest income to average assets | 0.4225% | 2,995 |
| Noninterest expense to average assets | 2.0195% | 3,636 |
| Loan and lease loss provision to assets | 0.1521% | 778 |
| Net operating income to assets | 1.1361% | 2,410 |
| Return on assets (ROA) | 1.1762% | 2,338 |
| Pretax return on assets | 1.5361% | 1,913 |
| Return on Equity (ROE) | 12.2769% | 1,954 |
| Retained earnings to average equity (ytd only) | 11.7478% | 970 |
| Net charge-offs to loans | -0.0148% | 3,850 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2218% | 3,641 |
| Assets per employee ($millions) | 5.6967% | 2,900 |
| Cash dividends to net income (ytd only)* | 4.3103% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 1,546 |
| Loan loss allowance to noncurrent loans | 81.5147% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 694 |
| Noncurrent loans to loans | 1.8564% | 548 |
| Net loans and leases to total assets | 57.1814% | 2,768 |
| Net loans and leases to deposits | 71.9672% | 2,208 |
| Net loans and leases to core deposits | 73.1987% | 2,497 |
| Total domestic deposits to total assets | 79.4548% | 4,296 |
| Equity capital to assets | 10.2033% | 2,667 |
| Core capital (leverage) ratio | 9.7148% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,348,000 | 3,874 |
| Average earning assets | $109,127,667 | 3,886 |
| Average equity | $11,338,333 | 4,059 |
| Average total loans | $67,364,000 | 3,773 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 2,148 |
| Cost of funding earning assets | 0.4556% | 1,678 |
| Net interest margin | 3.3265% | 2,310 |
| Noninterest income to average assets | 0.3086% | 3,563 |
| Noninterest expense to average assets | 1.9178% | 3,945 |
| Loan and lease loss provision to assets | 0.1493% | 874 |
| Net operating income to assets | 0.9765% | 2,883 |
| Return on assets (ROA) | 1.0551% | 2,699 |
| Pretax return on assets | 1.3936% | 2,302 |
| Return on Equity (ROE) | 11.3622% | 2,243 |
| Retained earnings to average equity (ytd only) | 11.3622% | 1,307 |
| Net charge-offs to loans | -0.0177% | 3,935 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0582% | 3,420 |
| Assets per employee ($millions) | 7.4806% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 1,797 |
| Loan loss allowance to noncurrent loans | 72.0544% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 842 |
| Noncurrent loans to loans | 2.0024% | 540 |
| Net loans and leases to total assets | 48.3973% | 3,770 |
| Net loans and leases to deposits | 55.7746% | 3,808 |
| Net loans and leases to core deposits | 56.3899% | 3,950 |
| Total domestic deposits to total assets | 86.7731% | 2,410 |
| Equity capital to assets | 8.2198% | 4,346 |
| Core capital (leverage) ratio | 9.1156% | 3,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,555,000 | 3,850 |
| Average earning assets | $110,627,500 | 3,865 |
| Average equity | $11,195,000 | 4,090 |
| Average total loans | $67,971,000 | 3,775 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 1,750 |
| Cost of funding earning assets | 0.7140% | 1,651 |
| Net interest margin | 3.6238% | 2,058 |
| Noninterest income to average assets | 0.3970% | 3,109 |
| Noninterest expense to average assets | 2.8119% | 1,909 |
| Loan and lease loss provision to assets | 0.2738% | 1,403 |
| Net operating income to assets | 0.5610% | 3,869 |
| Return on assets (ROA) | 0.5676% | 3,954 |
| Pretax return on assets | 0.7246% | 3,826 |
| Return on Equity (ROE) | 4.9079% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.0884% | 2,767 |
| Net charge-offs to loans | 0.1408% | 1,148 |
| Credit loss provision to net charge-offs | 285.7143% | 1,787 |
| Earnings coverage of net charge-offs (x) | 10.3297% | 2,465 |
| Efficiency ratio | 73.9612% | 1,452 |
| Assets per employee ($millions) | 5.9144% | 2,421 |
| Cash dividends to net income (ytd only)* | 16.6976% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 2,425 |
| Loan loss allowance to noncurrent loans | 59.8415% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4221% | 532 |
| Noncurrent loans to loans | 2.1684% | 503 |
| Net loans and leases to total assets | 64.7332% | 2,272 |
| Net loans and leases to deposits | 79.8533% | 1,879 |
| Net loans and leases to core deposits | 81.0536% | 2,270 |
| Total domestic deposits to total assets | 81.0652% | 3,860 |
| Equity capital to assets | 10.6350% | 2,568 |
| Core capital (leverage) ratio | 10.7748% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,954,600 | 4,056 |
| Average earning assets | $89,216,400 | 4,042 |
| Average equity | $10,982,400 | 4,080 |
| Average total loans | $64,611,800 | 3,838 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,319 |
| Cost of funding earning assets | 0.7780% | 1,598 |
| Net interest margin | 3.8178% | 1,570 |
| Noninterest income to average assets | 0.4228% | 2,971 |
| Noninterest expense to average assets | 2.8931% | 1,718 |
| Loan and lease loss provision to assets | 0.2683% | 1,518 |
| Net operating income to assets | 0.6549% | 3,609 |
| Return on assets (ROA) | 0.6617% | 3,691 |
| Pretax return on assets | 0.8587% | 3,496 |
| Return on Equity (ROE) | 5.5914% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.2243% | 2,460 |
| Net charge-offs to loans | 0.1390% | 1,045 |
| Credit loss provision to net charge-offs | 280.3030% | 1,827 |
| Earnings coverage of net charge-offs (x) | 11.6970% | 2,289 |
| Efficiency ratio | 72.1300% | 1,630 |
| Assets per employee ($millions) | 5.4308% | 2,770 |
| Cash dividends to net income (ytd only)* | 6.5646% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,226 |
| Loan loss allowance to noncurrent loans | 63.8330% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.3718% | 664 |
| Noncurrent loans to loans | 2.0118% | 600 |
| Net loans and leases to total assets | 67.3118% | 2,348 |
| Net loans and leases to deposits | 82.5523% | 2,051 |
| Net loans and leases to core deposits | 83.8997% | 2,484 |
| Total domestic deposits to total assets | 81.5384% | 3,533 |
| Equity capital to assets | 11.4921% | 2,013 |
| Core capital (leverage) ratio | 11.0045% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,078,250 | 4,096 |
| Average earning assets | $86,539,000 | 4,077 |
| Average equity | $10,897,500 | 4,098 |
| Average total loans | $63,309,500 | 3,876 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8193% | 1,120 |
| Cost of funding earning assets | 0.8259% | 1,698 |
| Net interest margin | 3.9934% | 1,340 |
| Noninterest income to average assets | 0.4413% | 2,850 |
| Noninterest expense to average assets | 2.9295% | 1,766 |
| Loan and lease loss provision to assets | 0.2439% | 1,726 |
| Net operating income to assets | 0.7634% | 3,178 |
| Return on assets (ROA) | 0.7740% | 3,255 |
| Pretax return on assets | 1.0556% | 2,855 |
| Return on Equity (ROE) | 6.4718% | 3,341 |
| Retained earnings to average equity (ytd only) | 5.9154% | 2,117 |
| Net charge-offs to loans | -0.0096% | 4,202 |
| Credit loss provision to net charge-offs | -3,666.6667% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4897% | 2,021 |
| Assets per employee ($millions) | 5.6944% | 2,450 |
| Cash dividends to net income (ytd only)* | 8.5960% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 1,869 |
| Loan loss allowance to noncurrent loans | 92.6936% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 1,287 |
| Noncurrent loans to loans | 1.4374% | 1,067 |
| Net loans and leases to total assets | 65.0221% | 2,752 |
| Net loans and leases to deposits | 81.0121% | 2,312 |
| Net loans and leases to core deposits | 82.0759% | 2,770 |
| Total domestic deposits to total assets | 80.2622% | 3,782 |
| Equity capital to assets | 11.5037% | 1,970 |
| Core capital (leverage) ratio | 11.4705% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,186,333 | 4,128 |
| Average earning assets | $85,240,000 | 4,097 |
| Average equity | $10,785,333 | 4,120 |
| Average total loans | $62,194,000 | 3,904 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 2,604 |
| Cost of funding earning assets | 0.9107% | 1,815 |
| Net interest margin | 3.4934% | 3,004 |
| Noninterest income to average assets | 0.4190% | 2,974 |
| Noninterest expense to average assets | 3.1078% | 1,619 |
| Loan and lease loss provision to assets | 0.2072% | 1,478 |
| Net operating income to assets | 0.3598% | 4,216 |
| Return on assets (ROA) | 0.3821% | 4,209 |
| Pretax return on assets | 0.4696% | 4,171 |
| Return on Equity (ROE) | 3.1291% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.1291% | 3,025 |
| Net charge-offs to loans | -0.0195% | 4,330 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7206% | 917 |
| Assets per employee ($millions) | 4.6757% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,073 |
| Loan loss allowance to noncurrent loans | 47.4607% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.9653% | 437 |
| Noncurrent loans to loans | 2.7710% | 409 |
| Net loans and leases to total assets | 69.9888% | 2,256 |
| Net loans and leases to deposits | 85.8396% | 2,022 |
| Net loans and leases to core deposits | 89.1000% | 2,436 |
| Total domestic deposits to total assets | 81.5344% | 3,538 |
| Equity capital to assets | 12.7742% | 1,566 |
| Core capital (leverage) ratio | 12.0501% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,877,500 | 4,175 |
| Average earning assets | $83,014,000 | 4,127 |
| Average equity | $10,610,000 | 4,162 |
| Average total loans | $61,394,000 | 3,932 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7620% | 2,159 |
| Cost of funding earning assets | 1.0083% | 1,690 |
| Net interest margin | 3.7538% | 2,651 |
| Noninterest income to average assets | 0.1129% | 4,890 |
| Noninterest expense to average assets | 2.7730% | 2,685 |
| Loan and lease loss provision to assets | 0.2420% | 775 |
| Net operating income to assets | 0.4957% | 4,414 |
| Return on assets (ROA) | 0.4875% | 4,482 |
| Pretax return on assets | 0.6189% | 4,380 |
| Return on Equity (ROE) | 4.1817% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.5885% | 3,204 |
| Net charge-offs to loans | 0.0825% | 1,938 |
| Credit loss provision to net charge-offs | 403.8462% | 705 |
| Earnings coverage of net charge-offs (x) | 14.5385% | 2,281 |
| Efficiency ratio | 76.0911% | 1,353 |
| Assets per employee ($millions) | 5.2702% | 2,274 |
| Cash dividends to net income (ytd only)* | 14.1844% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,597 |
| Loan loss allowance to noncurrent loans | 47.1831% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7434% | 522 |
| Noncurrent loans to loans | 2.4755% | 442 |
| Net loans and leases to total assets | 69.6059% | 2,460 |
| Net loans and leases to deposits | 85.5751% | 2,144 |
| Net loans and leases to core deposits | 87.3772% | 2,667 |
| Total domestic deposits to total assets | 81.3389% | 3,697 |
| Equity capital to assets | 11.6851% | 2,364 |
| Core capital (leverage) ratio | 11.6873% | 1,970 |
| Tier 1 risk-based capital ratio | 15.1839% | 2,708 |
| Total risk-based capital ratio | 16.2754% | 2,704 |
| Memoranda: | ||
| Average total assets | $86,765,800 | 4,189 |
| Average earning assets | $81,625,000 | 4,159 |
| Average equity | $10,115,600 | 4,226 |
| Average total loans | $63,034,200 | 3,929 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 2,451 |
| Cost of funding earning assets | 1.0237% | 1,666 |
| Net interest margin | 3.6665% | 3,040 |
| Noninterest income to average assets | 0.0666% | 5,077 |
| Noninterest expense to average assets | 2.7453% | 2,726 |
| Loan and lease loss provision to assets | 0.2556% | 631 |
| Net operating income to assets | 0.3828% | 4,748 |
| Return on assets (ROA) | 0.3718% | 4,790 |
| Pretax return on assets | 0.4865% | 4,712 |
| Return on Equity (ROE) | 3.1912% | 4,737 |
| Retained earnings to average equity (ytd only) | 2.7923% | 3,977 |
| Net charge-offs to loans | 0.0973% | 1,498 |
| Credit loss provision to net charge-offs | 358.6957% | 838 |
| Earnings coverage of net charge-offs (x) | 10.6090% | 2,486 |
| Efficiency ratio | 78.4071% | 1,063 |
| Assets per employee ($millions) | 5.2981% | 2,230 |
| Cash dividends to net income (ytd only)* | 12.5004% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 2,874 |
| Loan loss allowance to noncurrent loans | 92.2061% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 1,524 |
| Noncurrent loans to loans | 1.2253% | 1,276 |
| Net loans and leases to total assets | 72.0562% | 2,170 |
| Net loans and leases to deposits | 86.4339% | 2,142 |
| Net loans and leases to core deposits | 90.9649% | 2,468 |
| Total domestic deposits to total assets | 83.3656% | 3,036 |
| Equity capital to assets | 12.1930% | 2,117 |
| Core capital (leverage) ratio | 11.9625% | 1,874 |
| Tier 1 risk-based capital ratio | 17.9305% | 1,842 |
| Total risk-based capital ratio | 19.1698% | 1,786 |
| Memoranda: | ||
| Average total assets | $86,059,000 | 4,252 |
| Average earning assets | $80,619,500 | 4,231 |
| Average equity | $10,027,250 | 4,284 |
| Average total loans | $63,018,000 | 3,973 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 2,613 |
| Cost of funding earning assets | 1.0114% | 1,640 |
| Net interest margin | 3.6090% | 3,228 |
| Noninterest income to average assets | -0.1017% | 5,281 |
| Noninterest expense to average assets | 2.6940% | 2,925 |
| Loan and lease loss provision to assets | 0.2775% | 533 |
| Net operating income to assets | 0.2389% | 4,952 |
| Return on assets (ROA) | 0.2243% | 4,979 |
| Pretax return on assets | 0.2914% | 4,938 |
| Return on Equity (ROE) | 1.9548% | 4,945 |
| Retained earnings to average equity (ytd only) | 1.3502% | 4,336 |
| Net charge-offs to loans | 0.0977% | 1,387 |
| Credit loss provision to net charge-offs | 387.0968% | 740 |
| Earnings coverage of net charge-offs (x) | 8.1935% | 2,437 |
| Efficiency ratio | 82.1001% | 794 |
| Assets per employee ($millions) | 4.9818% | 2,499 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,223 |
| Loan loss allowance to noncurrent loans | 76.5178% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 1,344 |
| Noncurrent loans to loans | 1.4019% | 1,108 |
| Net loans and leases to total assets | 72.7385% | 2,106 |
| Net loans and leases to deposits | 88.1289% | 1,994 |
| Net loans and leases to core deposits | 92.8022% | 2,338 |
| Total domestic deposits to total assets | 82.5365% | 3,362 |
| Equity capital to assets | 11.9257% | 2,251 |
| Core capital (leverage) ratio | 11.5793% | 2,104 |
| Tier 1 risk-based capital ratio | 17.4707% | 1,950 |
| Total risk-based capital ratio | 18.6428% | 1,926 |
| Memoranda: | ||
| Average total assets | $86,488,670 | 4,273 |
| Average earning assets | $81,076,000 | 4,248 |
| Average equity | $9,924,330 | 4,309 |
| Average total loans | $63,430,670 | 3,986 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 3,545 |
| Cost of funding earning assets | 0.9807% | 1,652 |
| Net interest margin | 3.3217% | 4,109 |
| Noninterest income to average assets | 0.3525% | 3,497 |
| Noninterest expense to average assets | 2.7555% | 2,724 |
| Loan and lease loss provision to assets | 0.4120% | 277 |
| Net operating income to assets | 0.1718% | 5,032 |
| Return on assets (ROA) | 0.1465% | 5,063 |
| Pretax return on assets | 0.2380% | 5,010 |
| Return on Equity (ROE) | 1.3013% | 5,050 |
| Retained earnings to average equity (ytd only) | 1.3013% | 4,256 |
| Net charge-offs to loans | 0.1500% | 875 |
| Credit loss provision to net charge-offs | 375.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 6.2083% | 2,208 |
| Efficiency ratio | 80.1598% | 1,052 |
| Assets per employee ($millions) | 5.0711% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 3,451 |
| Loan loss allowance to noncurrent loans | 36.3790% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.9753% | 212 |
| Noncurrent loans to loans | 2.8644% | 404 |
| Net loans and leases to total assets | 71.0517% | 2,316 |
| Net loans and leases to deposits | 85.4761% | 2,191 |
| Net loans and leases to core deposits | 90.8515% | 2,413 |
| Total domestic deposits to total assets | 83.1247% | 3,342 |
| Equity capital to assets | 11.5208% | 2,379 |
| Core capital (leverage) ratio | 11.4541% | 2,164 |
| Tier 1 risk-based capital ratio | 17.2680% | 2,028 |
| Total risk-based capital ratio | 18.3907% | 2,010 |
| Memoranda: | ||
| Average total assets | $87,387,500 | 4,307 |
| Average earning assets | $81,164,000 | 4,292 |
| Average equity | $9,836,500 | 4,351 |
| Average total loans | $64,010,500 | 4,007 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 2,522 |
| Cost of funding earning assets | 0.7537% | 1,769 |
| Net interest margin | 3.7241% | 2,948 |
| Noninterest income to average assets | 0.3401% | 3,837 |
| Noninterest expense to average assets | 2.6367% | 3,221 |
| Loan and lease loss provision to assets | 0.4266% | 306 |
| Net operating income to assets | 0.5443% | 4,554 |
| Return on assets (ROA) | 0.5143% | 4,629 |
| Pretax return on assets | 0.7110% | 4,386 |
| Return on Equity (ROE) | 4.5647% | 4,572 |
| Retained earnings to average equity (ytd only) | 3.9336% | 3,410 |
| Net charge-offs to loans | 0.6537% | 257 |
| Credit loss provision to net charge-offs | 86.3309% | 2,766 |
| Earnings coverage of net charge-offs (x) | 2.3789% | 3,527 |
| Efficiency ratio | 69.1638% | 2,356 |
| Assets per employee ($millions) | 5.2098% | 2,254 |
| Cash dividends to net income (ytd only)* | 13.8249% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,271 |
| Loan loss allowance to noncurrent loans | 88.8037% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.6304% | 682 |
| Noncurrent loans to loans | 0.9860% | 1,649 |
| Net loans and leases to total assets | 74.0058% | 1,933 |
| Net loans and leases to deposits | 89.5251% | 1,860 |
| Net loans and leases to core deposits | 95.4895% | 2,099 |
| Total domestic deposits to total assets | 82.6649% | 3,433 |
| Equity capital to assets | 10.9986% | 2,689 |
| Core capital (leverage) ratio | 11.3071% | 2,265 |
| Tier 1 risk-based capital ratio | 16.8631% | 2,112 |
| Total risk-based capital ratio | 17.8504% | 2,154 |
| Memoranda: | ||
| Average total assets | $84,385,000 | 4,351 |
| Average earning assets | $78,676,400 | 4,335 |
| Average equity | $9,507,800 | 4,384 |
| Average total loans | $63,793,400 | 4,006 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 2,609 |
| Cost of funding earning assets | 0.6921% | 1,888 |
| Net interest margin | 3.7142% | 2,969 |
| Noninterest income to average assets | 0.3360% | 3,913 |
| Noninterest expense to average assets | 2.6573% | 3,104 |
| Loan and lease loss provision to assets | 0.4320% | 286 |
| Net operating income to assets | 0.5444% | 4,656 |
| Return on assets (ROA) | 0.5039% | 4,758 |
| Pretax return on assets | 0.6639% | 4,616 |
| Return on Equity (ROE) | 4.4446% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.0213% | 3,760 |
| Net charge-offs to loans | 0.2405% | 708 |
| Credit loss provision to net charge-offs | 236.8421% | 1,226 |
| Earnings coverage of net charge-offs (x) | 6.2893% | 2,893 |
| Efficiency ratio | 69.8486% | 2,215 |
| Assets per employee ($millions) | 5.0362% | 2,425 |
| Cash dividends to net income (ytd only)* | 9.5240% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,413 |
| Loan loss allowance to noncurrent loans | 50.7692% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 3.0999% | 224 |
| Noncurrent loans to loans | 2.4404% | 543 |
| Net loans and leases to total assets | 73.7406% | 2,028 |
| Net loans and leases to deposits | 90.8088% | 1,794 |
| Net loans and leases to core deposits | 97.1516% | 2,006 |
| Total domestic deposits to total assets | 81.2042% | 3,814 |
| Equity capital to assets | 11.0985% | 2,577 |
| Core capital (leverage) ratio | 11.8212% | 1,903 |
| Tier 1 risk-based capital ratio | 17.0056% | 2,108 |
| Total risk-based capital ratio | 18.2568% | 2,051 |
| Memoranda: | ||
| Average total assets | $83,339,750 | 4,417 |
| Average earning assets | $77,825,250 | 4,399 |
| Average equity | $9,449,500 | 4,427 |
| Average total loans | $63,211,000 | 4,062 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3617% | 2,536 |
| Cost of funding earning assets | 0.6579% | 1,881 |
| Net interest margin | 3.7038% | 2,910 |
| Noninterest income to average assets | 0.3391% | 3,919 |
| Noninterest expense to average assets | 2.5962% | 3,340 |
| Loan and lease loss provision to assets | 0.4359% | 267 |
| Net operating income to assets | 0.5892% | 4,526 |
| Return on assets (ROA) | 0.5280% | 4,689 |
| Pretax return on assets | 0.6927% | 4,535 |
| Return on Equity (ROE) | 4.6226% | 4,656 |
| Retained earnings to average equity (ytd only) | 3.9864% | 3,619 |
| Net charge-offs to loans | 0.0445% | 1,978 |
| Credit loss provision to net charge-offs | 1,285.7143% | 328 |
| Earnings coverage of net charge-offs (x) | 35.5714% | 1,378 |
| Efficiency ratio | 68.2803% | 2,596 |
| Assets per employee ($millions) | 4.7841% | 2,703 |
| Cash dividends to net income (ytd only)* | 13.7615% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,134 |
| Loan loss allowance to noncurrent loans | 45.7763% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 2.4271% | 367 |
| Noncurrent loans to loans | 2.8564% | 410 |
| Net loans and leases to total assets | 74.4301% | 1,875 |
| Net loans and leases to deposits | 88.7114% | 2,017 |
| Net loans and leases to core deposits | 95.7998% | 2,073 |
| Total domestic deposits to total assets | 83.9014% | 3,107 |
| Equity capital to assets | 11.6550% | 2,088 |
| Core capital (leverage) ratio | 11.7688% | 1,855 |
| Tier 1 risk-based capital ratio | 17.0924% | 2,066 |
| Total risk-based capital ratio | 18.3450% | 2,015 |
| Memoranda: | ||
| Average total assets | $82,581,330 | 4,475 |
| Average earning assets | $77,217,000 | 4,452 |
| Average equity | $9,432,000 | 4,467 |
| Average total loans | $62,973,000 | 4,101 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 2,576 |
| Cost of funding earning assets | 0.5932% | 2,099 |
| Net interest margin | 3.6933% | 2,826 |
| Noninterest income to average assets | 0.3413% | 3,868 |
| Noninterest expense to average assets | 2.6296% | 3,246 |
| Loan and lease loss provision to assets | 0.4327% | 248 |
| Net operating income to assets | 0.5600% | 4,540 |
| Return on assets (ROA) | 0.4423% | 4,837 |
| Pretax return on assets | 0.5721% | 4,745 |
| Return on Equity (ROE) | 3.9114% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.9114% | 3,630 |
| Net charge-offs to loans | 0.0627% | 1,482 |
| Credit loss provision to net charge-offs | 900.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,369 |
| Efficiency ratio | 69.5044% | 2,576 |
| Assets per employee ($millions) | 5.0328% | 2,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,165 |
| Loan loss allowance to noncurrent loans | 27.5067% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 3.2325% | 230 |
| Noncurrent loans to loans | 4.1318% | 235 |
| Net loans and leases to total assets | 77.3462% | 1,335 |
| Net loans and leases to deposits | 93.6038% | 1,266 |
| Net loans and leases to core deposits | 102.1418% | 1,516 |
| Total domestic deposits to total assets | 82.6315% | 3,777 |
| Equity capital to assets | 11.6709% | 2,014 |
| Core capital (leverage) ratio | 11.5954% | 1,937 |
| Tier 1 risk-based capital ratio | 16.2418% | 2,376 |
| Total risk-based capital ratio | 17.4522% | 2,341 |
| Memoranda: | ||
| Average total assets | $83,207,000 | 4,511 |
| Average earning assets | $77,545,500 | 4,498 |
| Average equity | $9,408,500 | 4,517 |
| Average total loans | $63,791,500 | 4,109 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,566 |
| Cost of funding earning assets | 0.5405% | 2,025 |
| Net interest margin | 3.6942% | 2,817 |
| Noninterest income to average assets | 0.2964% | 4,329 |
| Noninterest expense to average assets | 2.6144% | 3,401 |
| Loan and lease loss provision to assets | 0.5060% | 258 |
| Net operating income to assets | 0.4273% | 4,600 |
| Return on assets (ROA) | 0.4265% | 4,626 |
| Pretax return on assets | 0.6169% | 4,702 |
| Return on Equity (ROE) | 3.7973% | 4,561 |
| Retained earnings to average equity (ytd only) | 3.1537% | 3,410 |
| Net charge-offs to loans | 0.5714% | 402 |
| Credit loss provision to net charge-offs | 116.3435% | 2,245 |
| Earnings coverage of net charge-offs (x) | 2.5845% | 3,730 |
| Efficiency ratio | 69.9323% | 2,562 |
| Assets per employee ($millions) | 5.0523% | 2,417 |
| Cash dividends to net income (ytd only)* | 16.9492% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 4,029 |
| Loan loss allowance to noncurrent loans | 22.4418% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.2996% | 218 |
| Noncurrent loans to loans | 4.3881% | 194 |
| Net loans and leases to total assets | 74.4542% | 1,846 |
| Net loans and leases to deposits | 90.2354% | 1,749 |
| Net loans and leases to core deposits | 98.2817% | 1,846 |
| Total domestic deposits to total assets | 82.5111% | 3,724 |
| Equity capital to assets | 10.9665% | 2,659 |
| Core capital (leverage) ratio | 11.3881% | 2,025 |
| Tier 1 risk-based capital ratio | 15.6967% | 2,552 |
| Total risk-based capital ratio | 16.7459% | 2,567 |
| Memoranda: | ||
| Average total assets | $83,002,000 | 4,531 |
| Average earning assets | $77,337,600 | 4,513 |
| Average equity | $9,322,400 | 4,556 |
| Average total loans | $63,181,200 | 4,123 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,504 |
| Cost of funding earning assets | 0.5324% | 2,016 |
| Net interest margin | 3.7011% | 2,759 |
| Noninterest income to average assets | 0.2739% | 4,545 |
| Noninterest expense to average assets | 2.6283% | 3,324 |
| Loan and lease loss provision to assets | 0.2755% | 594 |
| Net operating income to assets | 0.5190% | 4,682 |
| Return on assets (ROA) | 0.5169% | 4,711 |
| Pretax return on assets | 0.8248% | 4,286 |
| Return on Equity (ROE) | 4.5742% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.1440% | 3,442 |
| Net charge-offs to loans | 0.0976% | 1,806 |
| Credit loss provision to net charge-offs | 369.5652% | 830 |
| Earnings coverage of net charge-offs (x) | 14.8048% | 2,273 |
| Efficiency ratio | 70.4299% | 2,468 |
| Assets per employee ($millions) | 5.0587% | 2,383 |
| Cash dividends to net income (ytd only)* | 9.4047% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,349 |
| Loan loss allowance to noncurrent loans | 34.5150% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.5093% | 428 |
| Noncurrent loans to loans | 3.2565% | 359 |
| Net loans and leases to total assets | 76.1882% | 1,560 |
| Net loans and leases to deposits | 92.2964% | 1,527 |
| Net loans and leases to core deposits | 101.9087% | 1,552 |
| Total domestic deposits to total assets | 82.5474% | 3,606 |
| Equity capital to assets | 11.7002% | 2,187 |
| Core capital (leverage) ratio | 11.6672% | 1,910 |
| Tier 1 risk-based capital ratio | 16.1369% | 2,443 |
| Total risk-based capital ratio | 17.3265% | 2,410 |
| Memoranda: | ||
| Average total assets | $82,280,250 | 4,594 |
| Average earning assets | $76,876,500 | 4,567 |
| Average equity | $9,298,250 | 4,610 |
| Average total loans | $62,830,500 | 4,160 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,365 |
| Cost of funding earning assets | 0.5214% | 2,000 |
| Net interest margin | 3.7066% | 2,635 |
| Noninterest income to average assets | 0.3167% | 4,279 |
| Noninterest expense to average assets | 2.5913% | 3,460 |
| Loan and lease loss provision to assets | 0.2659% | 618 |
| Net operating income to assets | 0.5753% | 4,407 |
| Return on assets (ROA) | 0.5753% | 4,466 |
| Pretax return on assets | 0.9137% | 3,887 |
| Return on Equity (ROE) | 5.1510% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.5017% | 3,028 |
| Net charge-offs to loans | 0.1111% | 1,523 |
| Credit loss provision to net charge-offs | 314.2857% | 931 |
| Earnings coverage of net charge-offs (x) | 13.9429% | 2,104 |
| Efficiency ratio | 68.7179% | 2,890 |
| Assets per employee ($millions) | 5.1308% | 2,231 |
| Cash dividends to net income (ytd only)* | 12.6050% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,881 |
| Loan loss allowance to noncurrent loans | 36.2424% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 2.3815% | 478 |
| Noncurrent loans to loans | 2.8809% | 463 |
| Net loans and leases to total assets | 75.2729% | 1,650 |
| Net loans and leases to deposits | 92.2380% | 1,461 |
| Net loans and leases to core deposits | 101.8241% | 1,526 |
| Total domestic deposits to total assets | 81.6072% | 4,016 |
| Equity capital to assets | 11.4664% | 2,341 |
| Core capital (leverage) ratio | 11.6188% | 1,884 |
| Tier 1 risk-based capital ratio | 15.9589% | 2,521 |
| Total risk-based capital ratio | 17.0624% | 2,518 |
| Memoranda: | ||
| Average total assets | $82,739,670 | 4,614 |
| Average earning assets | $77,105,670 | 4,586 |
| Average equity | $9,241,000 | 4,638 |
| Average total loans | $62,985,000 | 4,176 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 3,076 |
| Cost of funding earning assets | 0.5077% | 2,022 |
| Net interest margin | 3.4819% | 3,343 |
| Noninterest income to average assets | 0.3082% | 4,351 |
| Noninterest expense to average assets | 2.6582% | 3,285 |
| Loan and lease loss provision to assets | 0.2408% | 644 |
| Net operating income to assets | 0.4479% | 4,792 |
| Return on assets (ROA) | 0.4479% | 4,812 |
| Pretax return on assets | 0.6790% | 4,509 |
| Return on Equity (ROE) | 4.0634% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.0634% | 3,428 |
| Net charge-offs to loans | 0.1518% | 1,049 |
| Credit loss provision to net charge-offs | 208.3333% | 993 |
| Earnings coverage of net charge-offs (x) | 7.9583% | 2,096 |
| Efficiency ratio | 74.2934% | 2,185 |
| Assets per employee ($millions) | 5.0603% | 2,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 4,556 |
| Loan loss allowance to noncurrent loans | 39.4634% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.0799% | 628 |
| Noncurrent loans to loans | 2.4052% | 671 |
| Net loans and leases to total assets | 77.7212% | 1,171 |
| Net loans and leases to deposits | 96.1407% | 925 |
| Net loans and leases to core deposits | 105.5397% | 1,136 |
| Total domestic deposits to total assets | 80.8411% | 4,447 |
| Equity capital to assets | 11.4025% | 2,256 |
| Core capital (leverage) ratio | 11.5745% | 1,897 |
| Tier 1 risk-based capital ratio | 15.9927% | 2,549 |
| Total risk-based capital ratio | 17.0281% | 2,578 |
| Memoranda: | ||
| Average total assets | $83,063,500 | 4,655 |
| Average earning assets | $78,003,500 | 4,611 |
| Average equity | $9,155,000 | 4,690 |
| Average total loans | $63,255,000 | 4,199 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 2,318 |
| Cost of funding earning assets | 0.4809% | 2,248 |
| Net interest margin | 3.7675% | 2,442 |
| Noninterest income to average assets | 0.4193% | 3,743 |
| Noninterest expense to average assets | 2.6765% | 3,431 |
| Loan and lease loss provision to assets | 0.1737% | 1,394 |
| Net operating income to assets | 0.7850% | 3,377 |
| Return on assets (ROA) | 0.7877% | 3,467 |
| Pretax return on assets | 1.1443% | 2,921 |
| Return on Equity (ROE) | 6.6844% | 3,650 |
| Retained earnings to average equity (ytd only) | 5.1879% | 2,212 |
| Net charge-offs to loans | -0.0103% | 4,943 |
| Credit loss provision to net charge-offs | -2,216.6667% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0704% | 3,428 |
| Assets per employee ($millions) | 5.3226% | 2,038 |
| Cash dividends to net income (ytd only)* | 22.3881% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 4,723 |
| Loan loss allowance to noncurrent loans | 42.2401% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 1.7872% | 826 |
| Noncurrent loans to loans | 2.1689% | 789 |
| Net loans and leases to total assets | 73.2756% | 1,964 |
| Net loans and leases to deposits | 88.5626% | 1,862 |
| Net loans and leases to core deposits | 96.1807% | 1,910 |
| Total domestic deposits to total assets | 82.7388% | 3,847 |
| Equity capital to assets | 10.6597% | 2,967 |
| Core capital (leverage) ratio | 11.5840% | 1,870 |
| Tier 1 risk-based capital ratio | 15.8067% | 2,627 |
| Total risk-based capital ratio | 16.7958% | 2,660 |
| Memoranda: | ||
| Average total assets | $76,553,800 | 4,804 |
| Average earning assets | $72,568,400 | 4,746 |
| Average equity | $9,021,000 | 4,761 |
| Average total loans | $58,207,600 | 4,349 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 2,214 |
| Cost of funding earning assets | 0.5073% | 2,046 |
| Net interest margin | 3.7766% | 2,420 |
| Noninterest income to average assets | 0.4247% | 3,732 |
| Noninterest expense to average assets | 2.7221% | 3,285 |
| Loan and lease loss provision to assets | 0.1308% | 1,792 |
| Net operating income to assets | 0.8170% | 3,289 |
| Return on assets (ROA) | 0.8207% | 3,413 |
| Pretax return on assets | 1.1792% | 2,922 |
| Return on Equity (ROE) | 6.7799% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.6696% | 2,377 |
| Net charge-offs to loans | -0.0398% | 5,286 |
| Credit loss provision to net charge-offs | -429.4118% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6012% | 3,301 |
| Assets per employee ($millions) | 4.7755% | 2,644 |
| Cash dividends to net income (ytd only)* | 16.3760% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 4,858 |
| Loan loss allowance to noncurrent loans | 36.2388% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.1110% | 721 |
| Noncurrent loans to loans | 2.4909% | 709 |
| Net loans and leases to total assets | 75.8612% | 1,545 |
| Net loans and leases to deposits | 95.1259% | 1,134 |
| Net loans and leases to core deposits | 101.0266% | 1,548 |
| Total domestic deposits to total assets | 79.7482% | 4,567 |
| Equity capital to assets | 12.0393% | 2,092 |
| Core capital (leverage) ratio | 11.9983% | 1,680 |
| Tier 1 risk-based capital ratio | 16.5429% | 2,398 |
| Total risk-based capital ratio | 17.4990% | 2,480 |
| Memoranda: | ||
| Average total assets | $74,401,750 | 4,878 |
| Average earning assets | $70,961,250 | 4,819 |
| Average equity | $9,006,750 | 4,806 |
| Average total loans | $57,014,500 | 4,411 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,157 |
| Cost of funding earning assets | 0.4897% | 2,190 |
| Net interest margin | 3.8098% | 2,274 |
| Noninterest income to average assets | 0.4340% | 3,640 |
| Noninterest expense to average assets | 2.6908% | 3,422 |
| Loan and lease loss provision to assets | 0.1221% | 1,874 |
| Net operating income to assets | 0.8543% | 3,079 |
| Return on assets (ROA) | 0.8599% | 3,175 |
| Pretax return on assets | 1.2586% | 2,571 |
| Return on Equity (ROE) | 7.0896% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.4123% | 2,476 |
| Net charge-offs to loans | 0.0035% | 3,583 |
| Credit loss provision to net charge-offs | 4,500.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 506.0000% | 135 |
| Efficiency ratio | 66.2216% | 3,649 |
| Assets per employee ($millions) | 4.6909% | 2,734 |
| Cash dividends to net income (ytd only)* | 23.6593% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 5,200 |
| Loan loss allowance to noncurrent loans | 76.5079% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 2,032 |
| Noncurrent loans to loans | 1.0831% | 2,125 |
| Net loans and leases to total assets | 76.8596% | 1,362 |
| Net loans and leases to deposits | 95.2324% | 1,164 |
| Net loans and leases to core deposits | 101.6171% | 1,500 |
| Total domestic deposits to total assets | 80.7075% | 4,362 |
| Equity capital to assets | 12.1125% | 2,042 |
| Core capital (leverage) ratio | 12.5141% | 1,348 |
| Tier 1 risk-based capital ratio | 16.8049% | 2,304 |
| Total risk-based capital ratio | 17.7053% | 2,388 |
| Memoranda: | ||
| Average total assets | $73,733,000 | 4,939 |
| Average earning assets | $70,240,000 | 4,879 |
| Average equity | $8,942,670 | 4,854 |
| Average total loans | $56,522,000 | 4,459 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,081 |
| Cost of funding earning assets | 0.4832% | 2,245 |
| Net interest margin | 3.8307% | 2,178 |
| Noninterest income to average assets | 0.4051% | 3,792 |
| Noninterest expense to average assets | 2.8301% | 2,957 |
| Loan and lease loss provision to assets | 0.1259% | 1,685 |
| Net operating income to assets | 0.7443% | 3,516 |
| Return on assets (ROA) | 0.7554% | 3,564 |
| Pretax return on assets | 1.1112% | 3,049 |
| Return on Equity (ROE) | 6.2243% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.2243% | 2,268 |
| Net charge-offs to loans | 0.0072% | 2,878 |
| Credit loss provision to net charge-offs | 2,300.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 223.0000% | 277 |
| Efficiency ratio | 69.8649% | 3,157 |
| Assets per employee ($millions) | 4.4171% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 5,305 |
| Loan loss allowance to noncurrent loans | 231.1558% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 3,595 |
| Noncurrent loans to loans | 0.3559% | 4,156 |
| Net loans and leases to total assets | 78.4642% | 1,031 |
| Net loans and leases to deposits | 93.9802% | 1,148 |
| Net loans and leases to core deposits | 97.1343% | 1,695 |
| Total domestic deposits to total assets | 83.4902% | 3,713 |
| Equity capital to assets | 12.6682% | 1,578 |
| Core capital (leverage) ratio | 12.3770% | 1,391 |
| Tier 1 risk-based capital ratio | 17.3307% | 2,177 |
| Total risk-based capital ratio | 18.2274% | 2,250 |
| Memoranda: | ||
| Average total assets | $73,072,000 | 4,998 |
| Average earning assets | $69,543,000 | 4,940 |
| Average equity | $8,868,500 | 4,896 |
| Average total loans | $55,698,500 | 4,505 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0220% | 3,228 |
| Cost of funding earning assets | 0.4627% | 2,510 |
| Net interest margin | 3.5592% | 3,287 |
| Noninterest income to average assets | 0.4215% | 3,879 |
| Noninterest expense to average assets | 2.6660% | 3,708 |
| Loan and lease loss provision to assets | 0.0433% | 3,464 |
| Net operating income to assets | 0.7712% | 3,462 |
| Return on assets (ROA) | 0.7621% | 3,601 |
| Pretax return on assets | 1.0855% | 3,128 |
| Return on Equity (ROE) | 6.1340% | 3,975 |
| Retained earnings to average equity (ytd only) | 4.0428% | 3,142 |
| Net charge-offs to loans | 0.5038% | 519 |
| Credit loss provision to net charge-offs | 12.3967% | 3,809 |
| Earnings coverage of net charge-offs (x) | 3.2686% | 3,752 |
| Efficiency ratio | 70.0152% | 3,227 |
| Assets per employee ($millions) | 4.7169% | 2,711 |
| Cash dividends to net income (ytd only)* | 34.0909% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 5,437 |
| Loan loss allowance to noncurrent loans | 40.9729% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.6231% | 1,209 |
| Noncurrent loans to loans | 1.9267% | 1,105 |
| Net loans and leases to total assets | 72.9366% | 1,902 |
| Net loans and leases to deposits | 86.7221% | 2,040 |
| Net loans and leases to core deposits | 89.8300% | 2,418 |
| Total domestic deposits to total assets | 84.1038% | 3,447 |
| Equity capital to assets | 11.6389% | 2,240 |
| Core capital (leverage) ratio | 12.3150% | 1,445 |
| Tier 1 risk-based capital ratio | 16.9091% | 2,321 |
| Total risk-based capital ratio | 17.7552% | 2,436 |
| Memoranda: | ||
| Average total assets | $69,279,600 | 5,106 |
| Average earning assets | $65,913,000 | 5,045 |
| Average equity | $8,607,800 | 4,931 |
| Average total loans | $48,032,600 | 4,726 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 3,364 |
| Cost of funding earning assets | 0.4696% | 2,504 |
| Net interest margin | 3.5255% | 3,443 |
| Noninterest income to average assets | 0.4173% | 3,951 |
| Noninterest expense to average assets | 2.6968% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7441% | 3,710 |
| Return on assets (ROA) | 0.7441% | 3,802 |
| Pretax return on assets | 1.0748% | 3,317 |
| Return on Equity (ROE) | 5.8852% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.0168% | 3,606 |
| Net charge-offs to loans | 0.2917% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.4061% | 3,207 |
| Efficiency ratio | 71.5031% | 2,957 |
| Assets per employee ($millions) | 4.6325% | 2,790 |
| Cash dividends to net income (ytd only)* | 31.7467% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 4,318 |
| Loan loss allowance to noncurrent loans | 119.6078% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 3,271 |
| Noncurrent loans to loans | 0.9064% | 2,710 |
| Net loans and leases to total assets | 72.0858% | 2,050 |
| Net loans and leases to deposits | 86.1870% | 2,118 |
| Net loans and leases to core deposits | 90.0577% | 2,462 |
| Total domestic deposits to total assets | 83.6389% | 3,554 |
| Equity capital to assets | 12.5590% | 1,711 |
| Core capital (leverage) ratio | 12.7928% | 1,275 |
| Tier 1 risk-based capital ratio | 18.7074% | 1,851 |
| Total risk-based capital ratio | 19.8929% | 1,830 |
| Memoranda: | ||
| Average total assets | $67,731,750 | 5,200 |
| Average earning assets | $64,443,750 | 5,138 |
| Average equity | $8,563,750 | 5,006 |
| Average total loans | $46,169,750 | 4,839 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 3,670 |
| Cost of funding earning assets | 0.4731% | 2,485 |
| Net interest margin | 3.4309% | 3,785 |
| Noninterest income to average assets | 0.3902% | 4,153 |
| Noninterest expense to average assets | 2.6450% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7089% | 3,846 |
| Return on assets (ROA) | 0.7089% | 3,972 |
| Pretax return on assets | 1.0068% | 3,563 |
| Return on Equity (ROE) | 5.5939% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.7734% | 4,283 |
| Net charge-offs to loans | 0.0582% | 2,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,499 |
| Efficiency ratio | 72.4307% | 2,944 |
| Assets per employee ($millions) | 4.5064% | 2,979 |
| Cash dividends to net income (ytd only)* | 50.4202% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,670 |
| Loan loss allowance to noncurrent loans | 76.2874% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 2,041 |
| Noncurrent loans to loans | 1.8593% | 1,358 |
| Net loans and leases to total assets | 65.4950% | 3,042 |
| Net loans and leases to deposits | 75.2170% | 3,358 |
| Net loans and leases to core deposits | 78.5522% | 3,523 |
| Total domestic deposits to total assets | 87.0747% | 2,126 |
| Equity capital to assets | 12.6117% | 1,596 |
| Core capital (leverage) ratio | 12.7289% | 1,283 |
| Tier 1 risk-based capital ratio | 20.2629% | 1,494 |
| Total risk-based capital ratio | 21.5159% | 1,469 |
| Memoranda: | ||
| Average total assets | $67,146,330 | 5,275 |
| Average earning assets | $63,831,000 | 5,204 |
| Average equity | $8,509,330 | 5,053 |
| Average total loans | $44,679,670 | 4,926 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 3,843 |
| Cost of funding earning assets | 0.4783% | 2,469 |
| Net interest margin | 3.3668% | 3,963 |
| Noninterest income to average assets | 0.4244% | 3,812 |
| Noninterest expense to average assets | 2.5582% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7651% | 3,452 |
| Return on assets (ROA) | 0.7651% | 3,587 |
| Pretax return on assets | 1.0639% | 3,242 |
| Return on Equity (ROE) | 6.0225% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.0225% | 2,494 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6271% | 3,376 |
| Assets per employee ($millions) | 4.4922% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 2,531 |
| Loan loss allowance to noncurrent loans | 87.0147% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 2,418 |
| Noncurrent loans to loans | 1.7013% | 1,615 |
| Net loans and leases to total assets | 64.1957% | 3,064 |
| Net loans and leases to deposits | 73.7105% | 3,349 |
| Net loans and leases to core deposits | 76.3597% | 3,552 |
| Total domestic deposits to total assets | 87.0917% | 2,318 |
| Equity capital to assets | 12.7391% | 1,547 |
| Core capital (leverage) ratio | 12.5380% | 1,347 |
| Tier 1 risk-based capital ratio | 21.0442% | 1,412 |
| Total risk-based capital ratio | 22.2970% | 1,392 |
| Memoranda: | ||
| Average total assets | $66,921,500 | 5,331 |
| Average earning assets | $63,562,000 | 5,263 |
| Average equity | $8,501,500 | 5,096 |
| Average total loans | $44,565,000 | 4,965 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 2,347 |
| Cost of funding earning assets | 0.5306% | 2,384 |
| Net interest margin | 3.8338% | 2,496 |
| Noninterest income to average assets | 0.3587% | 4,534 |
| Noninterest expense to average assets | 2.9030% | 3,143 |
| Loan and lease loss provision to assets | 0.1327% | 1,968 |
| Net operating income to assets | 0.6381% | 4,200 |
| Return on assets (ROA) | 0.6558% | 4,211 |
| Pretax return on assets | 0.9340% | 3,766 |
| Return on Equity (ROE) | 4.9921% | 4,670 |
| Retained earnings to average equity (ytd only) | 2.4660% | 4,472 |
| Net charge-offs to loans | 0.0393% | 4,037 |
| Credit loss provision to net charge-offs | 494.1176% | 530 |
| Earnings coverage of net charge-offs (x) | 38.7647% | 1,115 |
| Efficiency ratio | 73.5978% | 2,906 |
| Assets per employee ($millions) | 4.4307% | 3,148 |
| Cash dividends to net income (ytd only)* | 50.6024% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 2,757 |
| Loan loss allowance to noncurrent loans | 114.6384% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 3,071 |
| Noncurrent loans to loans | 1.2538% | 2,355 |
| Net loans and leases to total assets | 67.0674% | 2,716 |
| Net loans and leases to deposits | 76.9734% | 3,091 |
| Net loans and leases to core deposits | 79.3990% | 3,367 |
| Total domestic deposits to total assets | 87.1306% | 2,209 |
| Equity capital to assets | 12.6678% | 1,557 |
| Core capital (leverage) ratio | 13.4715% | 977 |
| Tier 1 risk-based capital ratio | 20.6486% | 1,480 |
| Total risk-based capital ratio | 21.9039% | 1,450 |
| Memoranda: | ||
| Average total assets | $63,279,600 | 5,469 |
| Average earning assets | $59,183,600 | 5,415 |
| Average equity | $8,313,200 | 5,125 |
| Average total loans | $43,272,600 | 5,058 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,105 |
| Cost of funding earning assets | 0.5470% | 2,318 |
| Net interest margin | 3.8858% | 2,299 |
| Noninterest income to average assets | 0.3222% | 4,860 |
| Noninterest expense to average assets | 2.9105% | 3,082 |
| Loan and lease loss provision to assets | 0.1792% | 1,369 |
| Net operating income to assets | 0.6252% | 4,329 |
| Return on assets (ROA) | 0.6252% | 4,428 |
| Pretax return on assets | 0.8557% | 4,159 |
| Return on Equity (ROE) | 4.7143% | 4,851 |
| Retained earnings to average equity (ytd only) | 2.3008% | 4,903 |
| Net charge-offs to loans | 0.0405% | 3,693 |
| Credit loss provision to net charge-offs | 646.1538% | 461 |
| Earnings coverage of net charge-offs (x) | 37.3139% | 1,184 |
| Efficiency ratio | 73.7696% | 2,856 |
| Assets per employee ($millions) | 4.1414% | 3,580 |
| Cash dividends to net income (ytd only)* | 51.1954% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 2,691 |
| Loan loss allowance to noncurrent loans | 135.1240% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 3,481 |
| Noncurrent loans to loans | 1.1123% | 2,846 |
| Net loans and leases to total assets | 68.9912% | 2,366 |
| Net loans and leases to deposits | 79.8591% | 2,711 |
| Net loans and leases to core deposits | 82.9922% | 3,003 |
| Total domestic deposits to total assets | 86.3911% | 2,647 |
| Equity capital to assets | 13.4850% | 1,185 |
| Core capital (leverage) ratio | 13.7474% | 911 |
| Tier 1 risk-based capital ratio | 21.2756% | 1,395 |
| Total risk-based capital ratio | 22.5302% | 1,369 |
| Memoranda: | ||
| Average total assets | $62,484,500 | 5,550 |
| Average earning assets | $58,261,250 | 5,505 |
| Average equity | $8,286,750 | 5,174 |
| Average total loans | $42,785,000 | 5,130 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 2,139 |
| Cost of funding earning assets | 0.5548% | 2,306 |
| Net interest margin | 3.8564% | 2,354 |
| Noninterest income to average assets | 0.4664% | 3,741 |
| Noninterest expense to average assets | 2.9167% | 3,110 |
| Loan and lease loss provision to assets | 0.2300% | 995 |
| Net operating income to assets | 0.6485% | 4,106 |
| Return on assets (ROA) | 0.6485% | 4,208 |
| Pretax return on assets | 0.9168% | 3,820 |
| Return on Equity (ROE) | 4.9172% | 4,714 |
| Retained earnings to average equity (ytd only) | 1.2838% | 5,230 |
| Net charge-offs to loans | 0.0423% | 3,376 |
| Credit loss provision to net charge-offs | 800.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 1,062 |
| Efficiency ratio | 71.7767% | 3,384 |
| Assets per employee ($millions) | 4.1125% | 3,622 |
| Cash dividends to net income (ytd only)* | 73.8916% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 2,967 |
| Loan loss allowance to noncurrent loans | 95.5621% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.6259% | 2,014 |
| Noncurrent loans to loans | 1.5557% | 2,227 |
| Net loans and leases to total assets | 69.3944% | 2,171 |
| Net loans and leases to deposits | 80.5373% | 2,446 |
| Net loans and leases to core deposits | 84.1716% | 2,722 |
| Total domestic deposits to total assets | 86.1642% | 2,960 |
| Equity capital to assets | 13.4386% | 1,182 |
| Core capital (leverage) ratio | 13.6528% | 931 |
| Tier 1 risk-based capital ratio | 20.9277% | 1,461 |
| Total risk-based capital ratio | 22.1831% | 1,434 |
| Memoranda: | ||
| Average total assets | $62,605,670 | 5,596 |
| Average earning assets | $58,396,670 | 5,549 |
| Average equity | $8,256,670 | 5,199 |
| Average total loans | $42,542,670 | 5,179 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,249 |
| Cost of funding earning assets | 0.5675% | 2,264 |
| Net interest margin | 3.8082% | 2,440 |
| Noninterest income to average assets | 0.4757% | 3,595 |
| Noninterest expense to average assets | 2.8288% | 3,457 |
| Loan and lease loss provision to assets | 0.2283% | 971 |
| Net operating income to assets | 0.6850% | 3,756 |
| Return on assets (ROA) | 0.6850% | 3,836 |
| Pretax return on assets | 0.9514% | 3,506 |
| Return on Equity (ROE) | 5.2427% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.2427% | 2,969 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5696% | 3,731 |
| Assets per employee ($millions) | 4.0327% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 3,276 |
| Loan loss allowance to noncurrent loans | 57.6887% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 2.3144% | 1,415 |
| Noncurrent loans to loans | 2.5511% | 1,354 |
| Net loans and leases to total assets | 68.5094% | 2,143 |
| Net loans and leases to deposits | 79.5371% | 2,363 |
| Net loans and leases to core deposits | 83.2018% | 2,616 |
| Total domestic deposits to total assets | 86.1351% | 3,288 |
| Equity capital to assets | 13.7310% | 1,023 |
| Core capital (leverage) ratio | 13.3684% | 1,016 |
| Tier 1 risk-based capital ratio | 21.5135% | 1,371 |
| Total risk-based capital ratio | 22.7669% | 1,348 |
| Memoranda: | ||
| Average total assets | $63,064,500 | 5,641 |
| Average earning assets | $58,505,500 | 5,600 |
| Average equity | $8,240,000 | 5,233 |
| Average total loans | $42,087,000 | 5,234 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 2,106 |
| Cost of funding earning assets | 0.6401% | 2,295 |
| Net interest margin | 3.8860% | 2,346 |
| Noninterest income to average assets | 0.5262% | 3,582 |
| Noninterest expense to average assets | 2.8444% | 3,551 |
| Loan and lease loss provision to assets | 0.2262% | 1,608 |
| Net operating income to assets | 0.7398% | 3,610 |
| Return on assets (ROA) | 0.7398% | 3,691 |
| Pretax return on assets | 1.0602% | 3,112 |
| Return on Equity (ROE) | 5.8041% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.9556% | 3,388 |
| Net charge-offs to loans | 0.2823% | 2,284 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 6.8250% | 2,973 |
| Efficiency ratio | 68.8593% | 4,042 |
| Assets per employee ($millions) | 4.3759% | 3,129 |
| Cash dividends to net income (ytd only)* | 31.8471% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 3,724 |
| Loan loss allowance to noncurrent loans | 105.6159% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3163% | 2,787 |
| Noncurrent loans to loans | 1.3108% | 2,947 |
| Net loans and leases to total assets | 63.2713% | 3,170 |
| Net loans and leases to deposits | 72.4516% | 3,466 |
| Net loans and leases to core deposits | 74.8140% | 3,758 |
| Total domestic deposits to total assets | 87.3290% | 2,564 |
| Equity capital to assets | 12.4532% | 1,537 |
| Core capital (leverage) ratio | 13.3074% | 1,018 |
| Tier 1 risk-based capital ratio | 20.5467% | 1,528 |
| Total risk-based capital ratio | 21.7996% | 1,503 |
| Memoranda: | ||
| Average total assets | $63,670,000 | 5,662 |
| Average earning assets | $59,057,400 | 5,622 |
| Average equity | $8,115,000 | 5,305 |
| Average total loans | $42,507,600 | 5,250 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 1,985 |
| Cost of funding earning assets | 0.6533% | 2,334 |
| Net interest margin | 3.9131% | 2,225 |
| Noninterest income to average assets | 0.5487% | 3,469 |
| Noninterest expense to average assets | 2.8511% | 3,482 |
| Loan and lease loss provision to assets | 0.2279% | 1,590 |
| Net operating income to assets | 0.7682% | 3,518 |
| Return on assets (ROA) | 0.7682% | 3,645 |
| Pretax return on assets | 1.1101% | 3,068 |
| Return on Equity (ROE) | 5.9914% | 4,191 |
| Retained earnings to average equity (ytd only) | 4.5100% | 3,466 |
| Net charge-offs to loans | 0.1127% | 3,417 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 17.6106% | 1,724 |
| Efficiency ratio | 68.0605% | 4,090 |
| Assets per employee ($millions) | 4.4935% | 2,893 |
| Cash dividends to net income (ytd only)* | 24.7260% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 3,494 |
| Loan loss allowance to noncurrent loans | 119.2817% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 3,105 |
| Noncurrent loans to loans | 1.2508% | 3,313 |
| Net loans and leases to total assets | 66.2258% | 2,595 |
| Net loans and leases to deposits | 76.1924% | 2,938 |
| Net loans and leases to core deposits | 78.7993% | 3,251 |
| Total domestic deposits to total assets | 86.9192% | 2,739 |
| Equity capital to assets | 12.9346% | 1,361 |
| Core capital (leverage) ratio | 13.4829% | 1,030 |
| Tier 1 risk-based capital ratio | 20.8022% | 1,531 |
| Total risk-based capital ratio | 22.0524% | 1,506 |
| Memoranda: | ||
| Average total assets | $63,178,000 | 5,733 |
| Average earning assets | $58,775,250 | 5,691 |
| Average equity | $8,100,250 | 5,367 |
| Average total loans | $42,606,250 | 5,293 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,877 |
| Cost of funding earning assets | 0.6659% | 2,349 |
| Net interest margin | 3.9273% | 2,119 |
| Noninterest income to average assets | 0.6101% | 3,134 |
| Noninterest expense to average assets | 2.7060% | 4,006 |
| Loan and lease loss provision to assets | 0.2276% | 1,655 |
| Net operating income to assets | 0.9041% | 2,771 |
| Return on assets (ROA) | 0.9041% | 2,914 |
| Pretax return on assets | 1.3309% | 2,185 |
| Return on Equity (ROE) | 7.0722% | 3,558 |
| Retained earnings to average equity (ytd only) | 4.8467% | 3,148 |
| Net charge-offs to loans | 0.1358% | 3,018 |
| Credit loss provision to net charge-offs | 248.2759% | 1,020 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,628 |
| Efficiency ratio | 63.4544% | 4,938 |
| Assets per employee ($millions) | 4.3677% | 3,059 |
| Cash dividends to net income (ytd only)* | 31.4685% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4283% | 3,903 |
| Loan loss allowance to noncurrent loans | 152.7919% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 3,040 |
| Noncurrent loans to loans | 0.9348% | 4,055 |
| Net loans and leases to total assets | 67.9417% | 2,245 |
| Net loans and leases to deposits | 78.4860% | 2,513 |
| Net loans and leases to core deposits | 81.2600% | 2,888 |
| Total domestic deposits to total assets | 86.5654% | 3,084 |
| Equity capital to assets | 13.1435% | 1,288 |
| Core capital (leverage) ratio | 13.3216% | 1,043 |
| Tier 1 risk-based capital ratio | 20.4638% | 1,616 |
| Total risk-based capital ratio | 21.7182% | 1,590 |
| Memoranda: | ||
| Average total assets | $63,267,670 | 5,769 |
| Average earning assets | $58,869,670 | 5,730 |
| Average equity | $8,088,000 | 5,411 |
| Average total loans | $42,710,670 | 5,312 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5968% | 1,830 |
| Cost of funding earning assets | 0.6740% | 2,452 |
| Net interest margin | 3.9228% | 2,043 |
| Noninterest income to average assets | 0.6529% | 2,860 |
| Noninterest expense to average assets | 2.6427% | 4,270 |
| Loan and lease loss provision to assets | 0.2239% | 1,645 |
| Net operating income to assets | 0.9638% | 2,383 |
| Return on assets (ROA) | 0.9638% | 2,514 |
| Pretax return on assets | 1.4053% | 1,832 |
| Return on Equity (ROE) | 7.6416% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.6416% | 1,878 |
| Net charge-offs to loans | 0.3070% | 1,732 |
| Credit loss provision to net charge-offs | 109.0909% | 1,704 |
| Earnings coverage of net charge-offs (x) | 7.9394% | 2,003 |
| Efficiency ratio | 61.8632% | 5,323 |
| Assets per employee ($millions) | 4.4609% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 4,602 |
| Loan loss allowance to noncurrent loans | 104.2672% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 3,652 |
| Noncurrent loans to loans | 1.2644% | 3,665 |
| Net loans and leases to total assets | 67.3563% | 2,128 |
| Net loans and leases to deposits | 77.6971% | 2,382 |
| Net loans and leases to core deposits | 81.6911% | 2,616 |
| Total domestic deposits to total assets | 86.6908% | 3,133 |
| Equity capital to assets | 13.0930% | 1,389 |
| Core capital (leverage) ratio | 12.6194% | 1,285 |
| Tier 1 risk-based capital ratio | 20.4381% | 1,666 |
| Total risk-based capital ratio | 21.6874% | 1,641 |
| Memoranda: | ||
| Average total assets | $64,327,500 | 5,793 |
| Average earning assets | $59,345,500 | 5,765 |
| Average equity | $8,113,500 | 5,456 |
| Average total loans | $42,992,500 | 5,340 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,860 |
| Cost of funding earning assets | 0.8088% | 2,598 |
| Net interest margin | 4.0847% | 2,062 |
| Noninterest income to average assets | 0.5166% | 3,797 |
| Noninterest expense to average assets | 2.6826% | 4,465 |
| Loan and lease loss provision to assets | 0.2347% | 2,791 |
| Net operating income to assets | 0.9428% | 2,586 |
| Return on assets (ROA) | 0.9860% | 2,625 |
| Pretax return on assets | 1.4407% | 1,892 |
| Return on Equity (ROE) | 7.5910% | 3,297 |
| Retained earnings to average equity (ytd only) | 3.0740% | 4,066 |
| Net charge-offs to loans | 0.1570% | 4,128 |
| Credit loss provision to net charge-offs | 221.5385% | 1,135 |
| Earnings coverage of net charge-offs (x) | 15.2154% | 1,668 |
| Efficiency ratio | 62.4668% | 5,171 |
| Assets per employee ($millions) | 4.7287% | 2,605 |
| Cash dividends to net income (ytd only)* | 59.5041% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 4,692 |
| Loan loss allowance to noncurrent loans | 103.5185% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 3,860 |
| Noncurrent loans to loans | 1.2455% | 3,758 |
| Net loans and leases to total assets | 64.6476% | 2,787 |
| Net loans and leases to deposits | 74.0117% | 3,085 |
| Net loans and leases to core deposits | 77.6170% | 3,312 |
| Total domestic deposits to total assets | 87.3478% | 2,618 |
| Equity capital to assets | 12.1598% | 1,936 |
| Core capital (leverage) ratio | 12.9141% | 1,143 |
| Tier 1 risk-based capital ratio | 19.5902% | 1,788 |
| Total risk-based capital ratio | 20.8359% | 1,755 |
| Memoranda: | ||
| Average total assets | $61,358,000 | 5,887 |
| Average earning assets | $56,749,000 | 5,845 |
| Average equity | $7,970,000 | 5,511 |
| Average total loans | $41,395,200 | 5,445 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 1,897 |
| Cost of funding earning assets | 0.8433% | 2,602 |
| Net interest margin | 4.0877% | 2,133 |
| Noninterest income to average assets | 0.5941% | 3,317 |
| Noninterest expense to average assets | 2.5736% | 4,831 |
| Loan and lease loss provision to assets | 0.2394% | 2,659 |
| Net operating income to assets | 1.0593% | 2,259 |
| Return on assets (ROA) | 1.1172% | 2,229 |
| Pretax return on assets | 1.6714% | 1,357 |
| Return on Equity (ROE) | 8.4526% | 3,063 |
| Retained earnings to average equity (ytd only) | 3.4213% | 4,457 |
| Net charge-offs to loans | 0.1923% | 3,578 |
| Credit loss provision to net charge-offs | 183.0508% | 1,520 |
| Earnings coverage of net charge-offs (x) | 13.9500% | 1,875 |
| Efficiency ratio | 58.5181% | 5,716 |
| Assets per employee ($millions) | 4.3271% | 3,218 |
| Cash dividends to net income (ytd only)* | 59.5241% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 5,070 |
| Loan loss allowance to noncurrent loans | 118.8764% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0532% | 4,189 |
| Noncurrent loans to loans | 1.0470% | 4,348 |
| Net loans and leases to total assets | 69.2869% | 2,055 |
| Net loans and leases to deposits | 80.4084% | 2,330 |
| Net loans and leases to core deposits | 85.6350% | 2,513 |
| Total domestic deposits to total assets | 86.1687% | 3,161 |
| Equity capital to assets | 13.2932% | 1,444 |
| Core capital (leverage) ratio | 13.2481% | 1,087 |
| Tier 1 risk-based capital ratio | 20.4953% | 1,635 |
| Total risk-based capital ratio | 21.7478% | 1,601 |
| Memoranda: | ||
| Average total assets | $60,147,000 | 5,987 |
| Average earning assets | $55,971,250 | 5,934 |
| Average equity | $7,950,000 | 5,577 |
| Average total loans | $40,904,750 | 5,526 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 1,942 |
| Cost of funding earning assets | 0.8738% | 2,618 |
| Net interest margin | 4.0704% | 2,205 |
| Noninterest income to average assets | 0.6166% | 3,157 |
| Noninterest expense to average assets | 2.6066% | 4,754 |
| Loan and lease loss provision to assets | 0.2400% | 2,664 |
| Net operating income to assets | 1.0362% | 2,316 |
| Return on assets (ROA) | 1.1233% | 2,181 |
| Pretax return on assets | 1.6733% | 1,332 |
| Return on Equity (ROE) | 8.5148% | 3,011 |
| Retained earnings to average equity (ytd only) | 0.9349% | 5,697 |
| Net charge-offs to loans | 0.2824% | 2,905 |
| Credit loss provision to net charge-offs | 126.3158% | 2,172 |
| Earnings coverage of net charge-offs (x) | 9.3860% | 2,176 |
| Efficiency ratio | 59.3774% | 5,681 |
| Assets per employee ($millions) | 4.6335% | 2,662 |
| Cash dividends to net income (ytd only)* | 89.0208% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 5,341 |
| Loan loss allowance to noncurrent loans | 80.8824% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.0442% | 4,294 |
| Noncurrent loans to loans | 1.4856% | 3,682 |
| Net loans and leases to total assets | 67.5687% | 2,355 |
| Net loans and leases to deposits | 78.6139% | 2,579 |
| Net loans and leases to core deposits | 83.7673% | 2,721 |
| Total domestic deposits to total assets | 85.9500% | 3,379 |
| Equity capital to assets | 13.0638% | 1,486 |
| Core capital (leverage) ratio | 13.1587% | 1,104 |
| Tier 1 risk-based capital ratio | 21.1037% | 1,461 |
| Total risk-based capital ratio | 22.3527% | 1,435 |
| Memoranda: | ||
| Average total assets | $60,002,670 | 6,025 |
| Average earning assets | $55,621,670 | 5,977 |
| Average equity | $7,915,670 | 5,600 |
| Average total loans | $40,372,000 | 5,584 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 1,355 |
| Cost of funding earning assets | 0.9157% | 2,564 |
| Net interest margin | 4.2659% | 1,572 |
| Noninterest income to average assets | 0.6613% | 2,861 |
| Noninterest expense to average assets | 2.6918% | 4,452 |
| Loan and lease loss provision to assets | 0.2405% | 2,544 |
| Net operating income to assets | 1.2156% | 1,692 |
| Return on assets (ROA) | 1.2156% | 1,874 |
| Pretax return on assets | 1.6498% | 1,433 |
| Return on Equity (ROE) | 9.1699% | 2,750 |
| Retained earnings to average equity (ytd only) | 9.1699% | 1,523 |
| Net charge-offs to loans | 0.4304% | 2,024 |
| Credit loss provision to net charge-offs | 83.7209% | 2,668 |
| Earnings coverage of net charge-offs (x) | 6.5814% | 2,181 |
| Efficiency ratio | 58.7464% | 5,809 |
| Assets per employee ($millions) | 4.2405% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 5,541 |
| Loan loss allowance to noncurrent loans | 74.1379% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 3,735 |
| Noncurrent loans to loans | 1.6043% | 3,712 |
| Net loans and leases to total assets | 66.1917% | 2,436 |
| Net loans and leases to deposits | 76.8972% | 2,690 |
| Net loans and leases to core deposits | 81.9708% | 2,844 |
| Total domestic deposits to total assets | 86.0781% | 3,486 |
| Equity capital to assets | 13.5193% | 1,231 |
| Core capital (leverage) ratio | 12.9563% | 1,142 |
| Tier 1 risk-based capital ratio | 21.0443% | 1,486 |
| Total risk-based capital ratio | 22.2937% | 1,456 |
| Memoranda: | ||
| Average total assets | $59,886,500 | 6,067 |
| Average earning assets | $55,040,500 | 6,030 |
| Average equity | $7,939,000 | 5,617 |
| Average total loans | $39,960,500 | 5,645 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 1,628 |
| Cost of funding earning assets | 1.0594% | 2,958 |
| Net interest margin | 4.2681% | 1,812 |
| Noninterest income to average assets | 0.4791% | 3,999 |
| Noninterest expense to average assets | 3.0586% | 3,359 |
| Loan and lease loss provision to assets | 0.2966% | 3,295 |
| Net operating income to assets | 0.7493% | 3,262 |
| Return on assets (ROA) | 0.7493% | 3,429 |
| Pretax return on assets | 1.0687% | 2,961 |
| Return on Equity (ROE) | 5.4898% | 4,138 |
| Retained earnings to average equity (ytd only) | 0.8614% | 5,459 |
| Net charge-offs to loans | 0.5715% | 2,741 |
| Credit loss provision to net charge-offs | 73.4783% | 4,718 |
| Earnings coverage of net charge-offs (x) | 3.3826% | 3,541 |
| Efficiency ratio | 69.1392% | 4,121 |
| Assets per employee ($millions) | 4.3147% | 3,224 |
| Cash dividends to net income (ytd only)* | 84.3091% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,412 |
| Loan loss allowance to noncurrent loans | 54.7320% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.6902% | 3,416 |
| Noncurrent loans to loans | 2.1842% | 2,972 |
| Net loans and leases to total assets | 65.6756% | 2,844 |
| Net loans and leases to deposits | 75.8634% | 3,194 |
| Net loans and leases to core deposits | 81.1504% | 3,305 |
| Total domestic deposits to total assets | 86.5709% | 2,996 |
| Equity capital to assets | 12.9987% | 1,482 |
| Core capital (leverage) ratio | 13.5681% | 942 |
| Tier 1 risk-based capital ratio | 20.4929% | 1,527 |
| Total risk-based capital ratio | 21.7440% | 1,496 |
| Memoranda: | ||
| Average total assets | $56,986,800 | 6,138 |
| Average earning assets | $52,669,400 | 6,097 |
| Average equity | $7,778,000 | 5,636 |
| Average total loans | $40,245,600 | 5,684 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 1,631 |
| Cost of funding earning assets | 1.0908% | 3,039 |
| Net interest margin | 4.2739% | 1,813 |
| Noninterest income to average assets | 0.4561% | 4,251 |
| Noninterest expense to average assets | 3.0404% | 3,401 |
| Loan and lease loss provision to assets | 0.2565% | 3,452 |
| Net operating income to assets | 0.8029% | 3,142 |
| Return on assets (ROA) | 0.8029% | 3,310 |
| Pretax return on assets | 1.1330% | 2,884 |
| Return on Equity (ROE) | 5.8078% | 4,113 |
| Retained earnings to average equity (ytd only) | 0.6530% | 5,753 |
| Net charge-offs to loans | 0.6225% | 2,383 |
| Credit loss provision to net charge-offs | 57.4468% | 4,865 |
| Earnings coverage of net charge-offs (x) | 3.1117% | 3,577 |
| Efficiency ratio | 68.6327% | 4,188 |
| Assets per employee ($millions) | 4.0253% | 3,792 |
| Cash dividends to net income (ytd only)* | 88.7565% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 5,593 |
| Loan loss allowance to noncurrent loans | 45.9163% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.9165% | 3,241 |
| Noncurrent loans to loans | 2.5468% | 2,719 |
| Net loans and leases to total assets | 69.1362% | 2,255 |
| Net loans and leases to deposits | 80.6429% | 2,571 |
| Net loans and leases to core deposits | 85.3566% | 2,864 |
| Total domestic deposits to total assets | 85.7313% | 3,361 |
| Equity capital to assets | 13.8748% | 1,211 |
| Core capital (leverage) ratio | 13.5525% | 1,025 |
| Tier 1 risk-based capital ratio | 20.6686% | 1,526 |
| Total risk-based capital ratio | 21.9187% | 1,497 |
| Memoranda: | ||
| Average total assets | $56,132,000 | 6,206 |
| Average earning assets | $52,191,750 | 6,165 |
| Average equity | $7,759,500 | 5,673 |
| Average total loans | $40,269,000 | 5,732 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4021% | 1,557 |
| Cost of funding earning assets | 1.1088% | 3,172 |
| Net interest margin | 4.2933% | 1,687 |
| Noninterest income to average assets | 0.4567% | 4,231 |
| Noninterest expense to average assets | 3.0968% | 3,266 |
| Loan and lease loss provision to assets | 0.2569% | 3,344 |
| Net operating income to assets | 0.7635% | 3,230 |
| Return on assets (ROA) | 0.7635% | 3,361 |
| Pretax return on assets | 1.0953% | 2,872 |
| Return on Equity (ROE) | 5.5300% | 4,199 |
| Retained earnings to average equity (ytd only) | -2.2223% | 6,279 |
| Net charge-offs to loans | 0.8138% | 1,873 |
| Credit loss provision to net charge-offs | 43.6364% | 4,745 |
| Earnings coverage of net charge-offs (x) | 2.2970% | 3,677 |
| Efficiency ratio | 69.6071% | 4,185 |
| Assets per employee ($millions) | 3.9676% | 3,831 |
| Cash dividends to net income (ytd only)* | 140.1869% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 5,893 |
| Loan loss allowance to noncurrent loans | 45.2983% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 2.1045% | 3,097 |
| Noncurrent loans to loans | 2.4656% | 2,922 |
| Net loans and leases to total assets | 71.4062% | 1,903 |
| Net loans and leases to deposits | 83.2438% | 2,228 |
| Net loans and leases to core deposits | 89.2168% | 2,472 |
| Total domestic deposits to total assets | 85.7796% | 3,453 |
| Equity capital to assets | 13.8333% | 1,155 |
| Core capital (leverage) ratio | 13.6303% | 963 |
| Tier 1 risk-based capital ratio | 20.3249% | 1,549 |
| Total risk-based capital ratio | 21.5421% | 1,527 |
| Memoranda: | ||
| Average total assets | $56,058,000 | 6,259 |
| Average earning assets | $52,127,670 | 6,216 |
| Average equity | $7,739,670 | 5,691 |
| Average total loans | $40,551,330 | 5,779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 1,649 |
| Cost of funding earning assets | 1.1214% | 3,362 |
| Net interest margin | 4.2568% | 1,713 |
| Noninterest income to average assets | 0.4688% | 4,126 |
| Noninterest expense to average assets | 2.9833% | 3,713 |
| Loan and lease loss provision to assets | 0.2557% | 3,096 |
| Net operating income to assets | 0.8808% | 2,662 |
| Return on assets (ROA) | 0.8808% | 2,723 |
| Pretax return on assets | 1.1933% | 2,393 |
| Return on Equity (ROE) | 6.3856% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.3856% | 2,426 |
| Net charge-offs to loans | 0.0785% | 4,155 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 25.5000% | 962 |
| Efficiency ratio | 67.3077% | 4,787 |
| Assets per employee ($millions) | 3.4733% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,607 |
| Loan loss allowance to noncurrent loans | 52.8319% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 2,989 |
| Noncurrent loans to loans | 2.6703% | 2,819 |
| Net loans and leases to total assets | 71.5540% | 1,803 |
| Net loans and leases to deposits | 83.9860% | 2,035 |
| Net loans and leases to core deposits | 89.0591% | 2,476 |
| Total domestic deposits to total assets | 85.1976% | 3,949 |
| Equity capital to assets | 14.0880% | 983 |
| Core capital (leverage) ratio | 13.8086% | 893 |
| Tier 1 risk-based capital ratio | 19.9404% | 1,602 |
| Total risk-based capital ratio | 21.2135% | 1,562 |
| Memoranda: | ||
| Average total assets | $56,313,500 | 6,299 |
| Average earning assets | $52,434,000 | 6,258 |
| Average equity | $7,767,500 | 5,687 |
| Average total loans | $40,771,000 | 5,818 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6913% | 1,602 |
| Cost of funding earning assets | 1.2871% | 3,965 |
| Net interest margin | 4.4042% | 1,452 |
| Noninterest income to average assets | 0.5287% | 3,967 |
| Noninterest expense to average assets | 3.1272% | 3,358 |
| Loan and lease loss provision to assets | 0.2970% | 4,423 |
| Net operating income to assets | 0.9670% | 2,145 |
| Return on assets (ROA) | 0.9670% | 2,262 |
| Pretax return on assets | 1.1879% | 2,266 |
| Return on Equity (ROE) | 6.9157% | 3,160 |
| Retained earnings to average equity (ytd only) | 2.2534% | 4,303 |
| Net charge-offs to loans | 0.1282% | 5,622 |
| Credit loss provision to net charge-offs | 328.0000% | 786 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,210 |
| Efficiency ratio | 67.8053% | 4,599 |
| Assets per employee ($millions) | 3.5659% | 4,788 |
| Cash dividends to net income (ytd only)* | 67.4157% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,936 |
| Loan loss allowance to noncurrent loans | 40.7994% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.4573% | 2,818 |
| Noncurrent loans to loans | 3.2177% | 2,359 |
| Net loans and leases to total assets | 71.2786% | 2,241 |
| Net loans and leases to deposits | 83.1181% | 2,603 |
| Net loans and leases to core deposits | 84.5137% | 3,522 |
| Total domestic deposits to total assets | 85.7558% | 3,472 |
| Equity capital to assets | 13.5063% | 1,177 |
| Core capital (leverage) ratio | 13.8258% | 884 |
| Tier 1 risk-based capital ratio | 19.0016% | 1,721 |
| Total risk-based capital ratio | 20.2596% | 1,687 |
| Memoranda: | ||
| Average total assets | $55,225,000 | 6,363 |
| Average earning assets | $51,200,600 | 6,320 |
| Average equity | $7,721,600 | 5,797 |
| Average total loans | $39,015,200 | 5,964 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7380% | 1,584 |
| Cost of funding earning assets | 1.3183% | 4,122 |
| Net interest margin | 4.4197% | 1,467 |
| Noninterest income to average assets | 0.5039% | 4,151 |
| Noninterest expense to average assets | 3.1478% | 3,118 |
| Loan and lease loss provision to assets | 0.2629% | 4,473 |
| Net operating income to assets | 1.0785% | 1,974 |
| Return on assets (ROA) | 1.0785% | 2,081 |
| Pretax return on assets | 1.1905% | 2,525 |
| Return on Equity (ROE) | 7.6455% | 3,047 |
| Retained earnings to average equity (ytd only) | 2.4679% | 4,694 |
| Net charge-offs to loans | 0.0347% | 6,214 |
| Credit loss provision to net charge-offs | 1,080.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 59.7134% | 488 |
| Efficiency ratio | 68.4127% | 4,385 |
| Assets per employee ($millions) | 3.4317% | 5,134 |
| Cash dividends to net income (ytd only)* | 67.7203% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 4,884 |
| Loan loss allowance to noncurrent loans | 45.7317% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 2.2292% | 3,160 |
| Noncurrent loans to loans | 2.8719% | 2,780 |
| Net loans and leases to total assets | 71.8451% | 2,286 |
| Net loans and leases to deposits | 84.4838% | 2,623 |
| Net loans and leases to core deposits | 89.2065% | 3,208 |
| Total domestic deposits to total assets | 85.0402% | 3,599 |
| Equity capital to assets | 14.2787% | 1,090 |
| Core capital (leverage) ratio | 14.0689% | 905 |
| Tier 1 risk-based capital ratio | 19.1196% | 1,725 |
| Total risk-based capital ratio | 20.3755% | 1,689 |
| Memoranda: | ||
| Average total assets | $54,767,500 | 6,456 |
| Average earning assets | $50,771,250 | 6,415 |
| Average equity | $7,725,500 | 5,877 |
| Average total loans | $38,466,750 | 6,074 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7309% | 1,649 |
| Cost of funding earning assets | 1.3322% | 4,314 |
| Net interest margin | 4.3987% | 1,443 |
| Noninterest income to average assets | 0.4678% | 4,375 |
| Noninterest expense to average assets | 3.1176% | 3,227 |
| Loan and lease loss provision to assets | 0.2632% | 4,295 |
| Net operating income to assets | 1.0636% | 1,971 |
| Return on assets (ROA) | 1.0636% | 2,044 |
| Pretax return on assets | 1.1659% | 2,532 |
| Return on Equity (ROE) | 7.5709% | 3,075 |
| Retained earnings to average equity (ytd only) | -0.2342% | 5,779 |
| Net charge-offs to loans | 0.0527% | 5,645 |
| Credit loss provision to net charge-offs | 720.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 39.1000% | 743 |
| Efficiency ratio | 68.5691% | 4,464 |
| Assets per employee ($millions) | 3.3205% | 5,386 |
| Cash dividends to net income (ytd only)* | 103.0928% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 5,095 |
| Loan loss allowance to noncurrent loans | 53.3843% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9425% | 3,559 |
| Noncurrent loans to loans | 2.3743% | 3,285 |
| Net loans and leases to total assets | 71.6948% | 2,486 |
| Net loans and leases to deposits | 84.8349% | 2,734 |
| Net loans and leases to core deposits | 89.7714% | 3,308 |
| Total domestic deposits to total assets | 84.5110% | 3,864 |
| Equity capital to assets | 14.3822% | 1,043 |
| Core capital (leverage) ratio | 13.8228% | 968 |
| Tier 1 risk-based capital ratio | 19.2277% | 1,668 |
| Total risk-based capital ratio | 20.4776% | 1,629 |
| Memoranda: | ||
| Average total assets | $54,721,000 | 6,500 |
| Average earning assets | $50,742,670 | 6,454 |
| Average equity | $7,687,330 | 5,904 |
| Average total loans | $37,964,670 | 6,136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 2,121 |
| Cost of funding earning assets | 1.3377% | 4,577 |
| Net interest margin | 4.2698% | 1,784 |
| Noninterest income to average assets | 0.4467% | 4,507 |
| Noninterest expense to average assets | 2.9540% | 3,843 |
| Loan and lease loss provision to assets | 0.2594% | 3,962 |
| Net operating income to assets | 1.1888% | 1,570 |
| Return on assets (ROA) | 1.1888% | 1,645 |
| Pretax return on assets | 1.1888% | 2,399 |
| Return on Equity (ROE) | 8.5598% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.5598% | 1,518 |
| Net charge-offs to loans | 0.0850% | 4,574 |
| Credit loss provision to net charge-offs | 450.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 25.1250% | 990 |
| Efficiency ratio | 67.1031% | 4,896 |
| Assets per employee ($millions) | 3.3917% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 5,467 |
| Loan loss allowance to noncurrent loans | 50.8380% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.9644% | 3,545 |
| Noncurrent loans to loans | 2.3746% | 3,308 |
| Net loans and leases to total assets | 68.6144% | 3,250 |
| Net loans and leases to deposits | 80.6319% | 3,527 |
| Net loans and leases to core deposits | 83.2718% | 4,302 |
| Total domestic deposits to total assets | 85.0959% | 3,615 |
| Equity capital to assets | 14.3199% | 1,060 |
| Core capital (leverage) ratio | 13.7355% | 1,020 |
| Tier 1 risk-based capital ratio | 20.0212% | 1,516 |
| Total risk-based capital ratio | 21.2267% | 1,495 |
| Memoranda: | ||
| Average total assets | $55,517,500 | 6,550 |
| Average earning assets | $51,431,500 | 6,496 |
| Average equity | $7,710,500 | 5,941 |
| Average total loans | $37,657,500 | 6,223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,263 |
| Cost of funding earning assets | 1.7151% | 4,430 |
| Net interest margin | 4.1791% | 2,137 |
| Noninterest income to average assets | 0.5697% | 3,866 |
| Noninterest expense to average assets | 3.3232% | 2,933 |
| Loan and lease loss provision to assets | 0.2995% | 5,039 |
| Net operating income to assets | 0.8089% | 2,504 |
| Return on assets (ROA) | 0.8089% | 2,587 |
| Pretax return on assets | 0.8089% | 3,215 |
| Return on Equity (ROE) | 5.9323% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.9280% | 1,857 |
| Net charge-offs to loans | 0.4561% | 3,956 |
| Credit loss provision to net charge-offs | 99.3939% | 5,604 |
| Earnings coverage of net charge-offs (x) | 3.6788% | 3,246 |
| Efficiency ratio | 74.9897% | 3,713 |
| Assets per employee ($millions) | 3.5480% | 4,900 |
| Cash dividends to net income (ytd only)* | 16.9300% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 5,722 |
| Loan loss allowance to noncurrent loans | 56.4069% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 3,947 |
| Noncurrent loans to loans | 2.0120% | 3,635 |
| Net loans and leases to total assets | 65.5264% | 4,270 |
| Net loans and leases to deposits | 76.4259% | 4,664 |
| Net loans and leases to core deposits | 82.9868% | 5,817 |
| Total domestic deposits to total assets | 85.7384% | 3,146 |
| Equity capital to assets | 13.4759% | 1,331 |
| Core capital (leverage) ratio | 13.8737% | 1,007 |
| Tier 1 risk-based capital ratio | 19.2061% | 1,609 |
| Total risk-based capital ratio | 20.3154% | 1,605 |
| Memoranda: | ||
| Average total assets | $54,766,200 | 6,535 |
| Average earning assets | $50,608,800 | 6,513 |
| Average equity | $7,467,600 | 6,103 |
| Average total loans | $36,178,400 | 6,298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8268% | 2,771 |
| Cost of funding earning assets | 1.7883% | 4,430 |
| Net interest margin | 4.0384% | 2,642 |
| Noninterest income to average assets | 0.5774% | 3,873 |
| Noninterest expense to average assets | 3.4226% | 2,503 |
| Loan and lease loss provision to assets | 0.2285% | 5,146 |
| Net operating income to assets | 0.6658% | 3,329 |
| Return on assets (ROA) | 0.6658% | 3,393 |
| Pretax return on assets | 0.6658% | 3,967 |
| Return on Equity (ROE) | 4.8682% | 4,021 |
| Retained earnings to average equity (ytd only) | 4.5988% | 2,704 |
| Net charge-offs to loans | 0.4616% | 3,382 |
| Credit loss provision to net charge-offs | 75.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | 2.9355% | 3,762 |
| Efficiency ratio | 79.2829% | 2,953 |
| Assets per employee ($millions) | 3.1819% | 5,693 |
| Cash dividends to net income (ytd only)* | 5.5353% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,764 |
| Loan loss allowance to noncurrent loans | 31.0885% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 3.0781% | 2,230 |
| Noncurrent loans to loans | 3.5203% | 2,129 |
| Net loans and leases to total assets | 66.3277% | 4,348 |
| Net loans and leases to deposits | 77.7421% | 4,773 |
| Net loans and leases to core deposits | 84.2602% | 6,024 |
| Total domestic deposits to total assets | 85.3176% | 3,065 |
| Equity capital to assets | 14.0557% | 1,291 |
| Core capital (leverage) ratio | 13.7133% | 1,165 |
| Tier 1 risk-based capital ratio | 19.5316% | 1,640 |
| Total risk-based capital ratio | 20.5967% | 1,642 |
| Memoranda: | ||
| Average total assets | $54,265,750 | 6,600 |
| Average earning assets | $50,249,750 | 6,568 |
| Average equity | $7,422,000 | 6,178 |
| Average total loans | $35,816,750 | 6,361 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 3,321 |
| Cost of funding earning assets | 1.8499% | 4,510 |
| Net interest margin | 3.8951% | 3,139 |
| Noninterest income to average assets | 0.6259% | 3,492 |
| Noninterest expense to average assets | 3.5786% | 2,127 |
| Loan and lease loss provision to assets | 0.1657% | 5,406 |
| Net operating income to assets | 0.4786% | 4,182 |
| Return on assets (ROA) | 0.4786% | 4,292 |
| Pretax return on assets | 0.4786% | 4,691 |
| Return on Equity (ROE) | 3.5318% | 4,697 |
| Retained earnings to average equity (ytd only) | 3.5318% | 3,340 |
| Net charge-offs to loans | 0.1234% | 4,929 |
| Credit loss provision to net charge-offs | 204.5455% | 2,225 |
| Earnings coverage of net charge-offs (x) | 7.9545% | 2,350 |
| Efficiency ratio | 84.7428% | 2,390 |
| Assets per employee ($millions) | 2.9629% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,803 |
| Loan loss allowance to noncurrent loans | 25.8305% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 3.2738% | 1,897 |
| Noncurrent loans to loans | 4.7303% | 1,332 |
| Net loans and leases to total assets | 68.3629% | 4,093 |
| Net loans and leases to deposits | 80.0896% | 4,532 |
| Net loans and leases to core deposits | 86.8778% | 5,819 |
| Total domestic deposits to total assets | 85.3580% | 3,086 |
| Equity capital to assets | 13.8901% | 1,345 |
| Core capital (leverage) ratio | 13.5434% | 1,258 |
| Tier 1 risk-based capital ratio | 19.1418% | 1,751 |
| Total risk-based capital ratio | 20.3483% | 1,714 |
| Memoranda: | ||
| Average total assets | $54,323,670 | 6,666 |
| Average earning assets | $50,165,670 | 6,624 |
| Average equity | $7,361,670 | 6,241 |
| Average total loans | $35,664,000 | 6,426 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6289% | 4,186 |
| Cost of funding earning assets | 1.9424% | 4,416 |
| Net interest margin | 3.6865% | 3,957 |
| Noninterest income to average assets | 0.6859% | 2,970 |
| Noninterest expense to average assets | 3.6994% | 1,656 |
| Loan and lease loss provision to assets | 0.1678% | 4,784 |
| Net operating income to assets | 0.2116% | 5,626 |
| Return on assets (ROA) | 0.2116% | 5,788 |
| Pretax return on assets | 0.2116% | 5,908 |
| Return on Equity (ROE) | 1.5807% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.5807% | 4,970 |
| Net charge-offs to loans | 0.0114% | 5,456 |
| Credit loss provision to net charge-offs | 2,300.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 700 |
| Efficiency ratio | 90.6977% | 1,671 |
| Assets per employee ($millions) | 3.0228% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 4,286 |
| Loan loss allowance to noncurrent loans | 33.6574% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 2.4572% | 2,332 |
| Noncurrent loans to loans | 3.7697% | 1,636 |
| Net loans and leases to total assets | 64.3565% | 4,924 |
| Net loans and leases to deposits | 75.0552% | 5,334 |
| Net loans and leases to core deposits | 79.6855% | 6,406 |
| Total domestic deposits to total assets | 85.7455% | 2,853 |
| Equity capital to assets | 13.5230% | 1,525 |
| Core capital (leverage) ratio | 12.9327% | 1,503 |
| Tier 1 risk-based capital ratio | 19.2638% | 1,762 |
| Total risk-based capital ratio | 20.4927% | 1,725 |
| Memoranda: | ||
| Average total assets | $54,819,000 | 6,679 |
| Average earning assets | $50,454,000 | 6,638 |
| Average equity | $7,338,500 | 6,282 |
| Average total loans | $35,040,500 | 6,493 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3312% | 3,781 |
| Cost of funding earning assets | 2.3843% | 4,790 |
| Net interest margin | 3.9469% | 3,376 |
| Noninterest income to average assets | 0.4948% | 4,648 |
| Noninterest expense to average assets | 3.1830% | 3,397 |
| Loan and lease loss provision to assets | 0.1662% | 5,257 |
| Net operating income to assets | 0.7644% | 3,595 |
| Return on assets (ROA) | 0.7607% | 3,456 |
| Pretax return on assets | 0.7607% | 4,212 |
| Return on Equity (ROE) | 5.7898% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.7358% | 2,189 |
| Net charge-offs to loans | 0.0274% | 6,443 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 705 |
| Efficiency ratio | 77.3788% | 3,021 |
| Assets per employee ($millions) | 3.2486% | 5,335 |
| Cash dividends to net income (ytd only)* | 18.2039% | 4,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,255 |
| Loan loss allowance to noncurrent loans | 61.7605% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.0552% | 2,388 |
| Noncurrent loans to loans | 2.0021% | 2,759 |
| Net loans and leases to total assets | 61.9009% | 5,637 |
| Net loans and leases to deposits | 72.2672% | 6,029 |
| Net loans and leases to core deposits | 75.7870% | 6,869 |
| Total domestic deposits to total assets | 85.6556% | 2,562 |
| Equity capital to assets | 13.2526% | 1,686 |
| Core capital (leverage) ratio | 13.3905% | 1,414 |
| Tier 1 risk-based capital ratio | 18.8155% | 1,853 |
| Total risk-based capital ratio | 19.9620% | 1,819 |
| Memoranda: | ||
| Average total assets | $54,162,800 | 6,614 |
| Average earning assets | $49,659,000 | 6,603 |
| Average equity | $7,116,000 | 6,415 |
| Average total loans | $32,858,600 | 6,559 |