Home > Union State Bank of Hazen > Performance and Condition Ratios
Union State Bank of Hazen, 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 | 4.8872% | 3,284 |
| Cost of funding earning assets | 1.8902% | 2,485 |
| Net interest margin | 2.9970% | 3,147 |
| Noninterest income to average assets | 0.9400% | 685 |
| Noninterest expense to average assets | 2.6389% | 1,907 |
| Loan and lease loss provision to assets | 0.1700% | 812 |
| Net operating income to assets | 0.9406% | 2,247 |
| Return on assets (ROA) | 0.9585% | 2,188 |
| Pretax return on assets | 0.9585% | 2,641 |
| Return on Equity (ROE) | 14.6800% | 998 |
| Retained earnings to average equity (ytd only) | -5.4441% | 4,303 |
| Net charge-offs to loans | 0.0312% | 1,954 |
| Credit loss provision to net charge-offs | 881.0811% | 426 |
| Earnings coverage of net charge-offs (x) | 67.1622% | 1,039 |
| Efficiency ratio | 69.9225% | 2,002 |
| Assets per employee ($millions) | 6.0376% | 2,858 |
| Cash dividends to net income (ytd only)* | 137.0975% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 486 |
| Loan loss allowance to noncurrent loans | 160.7464% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 1,153 |
| Noncurrent loans to loans | 1.1534% | 871 |
| Net loans and leases to total assets | 53.6700% | 3,419 |
| Net loans and leases to deposits | 57.4847% | 3,638 |
| Net loans and leases to core deposits | 69.5849% | 3,378 |
| Total domestic deposits to total assets | 93.3600% | 144 |
| Equity capital to assets | 6.3846% | 4,117 |
| Core capital (leverage) ratio | 8.9549% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $223,578,400 | 2,851 |
| Average earning assets | $209,446,200 | 2,832 |
| Average equity | $14,603,000 | 3,365 |
| Average total loans | $118,632,400 | 3,009 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 3,328 |
| Cost of funding earning assets | 1.8735% | 2,539 |
| Net interest margin | 2.9577% | 3,188 |
| Noninterest income to average assets | 1.1400% | 483 |
| Noninterest expense to average assets | 2.5632% | 2,051 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 1.1861% | 1,550 |
| Return on assets (ROA) | 1.2101% | 1,499 |
| Pretax return on assets | 1.2101% | 1,957 |
| Return on Equity (ROE) | 18.4200% | 539 |
| Retained earnings to average equity (ytd only) | -8.4246% | 4,413 |
| Net charge-offs to loans | 0.0536% | 1,366 |
| Credit loss provision to net charge-offs | 459.5745% | 667 |
| Earnings coverage of net charge-offs (x) | 47.8298% | 1,225 |
| Efficiency ratio | 65.0813% | 2,581 |
| Assets per employee ($millions) | 5.2225% | 3,500 |
| Cash dividends to net income (ytd only)* | 145.7341% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7500% | 598 |
| Loan loss allowance to noncurrent loans | 170.0308% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 1,241 |
| Noncurrent loans to loans | 1.0293% | 966 |
| Net loans and leases to total assets | 55.1700% | 3,328 |
| Net loans and leases to deposits | 59.4010% | 3,619 |
| Net loans and leases to core deposits | 75.8858% | 3,072 |
| Total domestic deposits to total assets | 92.8800% | 103 |
| Equity capital to assets | 6.7859% | 4,174 |
| Core capital (leverage) ratio | 8.7004% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $222,116,000 | 2,862 |
| Average earning assets | $207,948,500 | 2,836 |
| Average equity | $14,591,750 | 3,362 |
| Average total loans | $116,927,250 | 3,027 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 3,389 |
| Cost of funding earning assets | 1.7716% | 2,691 |
| Net interest margin | 2.9684% | 3,115 |
| Noninterest income to average assets | 0.6100% | 1,411 |
| Noninterest expense to average assets | 2.4392% | 2,410 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8242% | 2,549 |
| Return on assets (ROA) | 0.8242% | 2,561 |
| Pretax return on assets | 0.8242% | 2,944 |
| Return on Equity (ROE) | 12.6900% | 1,451 |
| Retained earnings to average equity (ytd only) | 11.2966% | 649 |
| Net charge-offs to loans | 0.0948% | 894 |
| Credit loss provision to net charge-offs | 133.3333% | 1,285 |
| Earnings coverage of net charge-offs (x) | 19.2593% | 1,651 |
| Efficiency ratio | 71.6769% | 1,897 |
| Assets per employee ($millions) | 5.8636% | 2,911 |
| Cash dividends to net income (ytd only)* | 10.9649% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 625 |
| Loan loss allowance to noncurrent loans | 159.2564% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 1,165 |
| Noncurrent loans to loans | 1.0868% | 838 |
| Net loans and leases to total assets | 52.3900% | 3,518 |
| Net loans and leases to deposits | 56.3661% | 3,739 |
| Net loans and leases to core deposits | 69.3419% | 3,398 |
| Total domestic deposits to total assets | 92.9400% | 150 |
| Equity capital to assets | 6.7490% | 4,027 |
| Core capital (leverage) ratio | 9.5804% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $221,298,333 | 2,862 |
| Average earning assets | $206,707,333 | 2,841 |
| Average equity | $14,376,000 | 3,360 |
| Average total loans | $113,866,000 | 3,062 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6307% | 3,468 |
| Cost of funding earning assets | 1.7647% | 2,603 |
| Net interest margin | 2.8660% | 3,256 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.3597% | 2,630 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 0.5477% | 3,279 |
| Return on assets (ROA) | 0.5477% | 3,309 |
| Pretax return on assets | 0.5477% | 3,487 |
| Return on Equity (ROE) | 8.6000% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.1769% | 1,774 |
| Net charge-offs to loans | 0.2226% | 406 |
| Credit loss provision to net charge-offs | 112.9032% | 1,079 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 1,835 |
| Efficiency ratio | 77.2265% | 1,430 |
| Assets per employee ($millions) | 6.2365% | 2,649 |
| Cash dividends to net income (ytd only)* | 16.5563% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 517 |
| Loan loss allowance to noncurrent loans | 154.7655% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 1,014 |
| Noncurrent loans to loans | 1.1861% | 706 |
| Net loans and leases to total assets | 50.1200% | 3,601 |
| Net loans and leases to deposits | 53.8033% | 3,787 |
| Net loans and leases to core deposits | 61.6731% | 3,705 |
| Total domestic deposits to total assets | 93.1600% | 174 |
| Equity capital to assets | 6.5431% | 4,072 |
| Core capital (leverage) ratio | 9.3080% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $220,539,000 | 2,871 |
| Average earning assets | $205,582,500 | 2,852 |
| Average equity | $14,045,000 | 3,400 |
| Average total loans | $111,407,000 | 3,094 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 3,286 |
| Cost of funding earning assets | 1.5230% | 1,885 |
| Net interest margin | 2.8707% | 3,535 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.5276% | 2,224 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.4247% | 3,816 |
| Return on assets (ROA) | 0.2982% | 4,026 |
| Pretax return on assets | 0.2982% | 4,091 |
| Return on Equity (ROE) | 4.9700% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.4709% | 3,717 |
| Net charge-offs to loans | -0.0887% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 83.4860% | 690 |
| Assets per employee ($millions) | 6.1889% | 2,651 |
| Cash dividends to net income (ytd only)* | 70.4225% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 513 |
| Loan loss allowance to noncurrent loans | 142.8171% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 846 |
| Noncurrent loans to loans | 1.2815% | 553 |
| Net loans and leases to total assets | 49.0700% | 3,653 |
| Net loans and leases to deposits | 52.4299% | 3,860 |
| Net loans and leases to core deposits | 61.8690% | 3,687 |
| Total domestic deposits to total assets | 93.5800% | 133 |
| Equity capital to assets | 6.1974% | 4,197 |
| Core capital (leverage) ratio | 9.2292% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $214,274,200 | 2,879 |
| Average earning assets | $199,079,000 | 2,879 |
| Average equity | $12,849,400 | 3,443 |
| Average total loans | $107,120,600 | 3,105 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 3,257 |
| Cost of funding earning assets | 1.4021% | 1,862 |
| Net interest margin | 2.9178% | 3,504 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5743% | 2,019 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4330% | 3,904 |
| Return on assets (ROA) | 0.2627% | 4,165 |
| Pretax return on assets | 0.2627% | 4,195 |
| Return on Equity (ROE) | 4.4200% | 3,915 |
| Retained earnings to average equity (ytd only) | 1.7764% | 3,777 |
| Net charge-offs to loans | -0.1081% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.7382% | 629 |
| Assets per employee ($millions) | 6.3391% | 2,465 |
| Cash dividends to net income (ytd only)* | 59.8086% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7857% | 582 |
| Loan loss allowance to noncurrent loans | 132.0692% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 818 |
| Noncurrent loans to loans | 1.3521% | 559 |
| Net loans and leases to total assets | 50.6600% | 3,575 |
| Net loans and leases to deposits | 53.7000% | 3,802 |
| Net loans and leases to core deposits | 63.8503% | 3,534 |
| Total domestic deposits to total assets | 94.3300% | 161 |
| Equity capital to assets | 5.4039% | 4,168 |
| Core capital (leverage) ratio | 9.4144% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $212,142,250 | 2,902 |
| Average earning assets | $197,036,000 | 2,897 |
| Average equity | $12,609,750 | 3,461 |
| Average total loans | $106,061,250 | 3,112 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 3,232 |
| Cost of funding earning assets | 1.2452% | 1,864 |
| Net interest margin | 2.9842% | 3,470 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.6084% | 1,908 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5061% | 3,796 |
| Return on assets (ROA) | 0.5061% | 3,805 |
| Pretax return on assets | 0.5061% | 3,958 |
| Return on Equity (ROE) | 8.2600% | 3,168 |
| Retained earnings to average equity (ytd only) | 4.3927% | 3,104 |
| Net charge-offs to loans | -0.0268% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 82.2982% | 689 |
| Assets per employee ($millions) | 5.5777% | 3,080 |
| Cash dividends to net income (ytd only)* | 46.8165% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7438% | 683 |
| Loan loss allowance to noncurrent loans | 123.3333% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7219% | 720 |
| Noncurrent loans to loans | 1.4139% | 492 |
| Net loans and leases to total assets | 50.1700% | 3,548 |
| Net loans and leases to deposits | 53.5658% | 3,772 |
| Net loans and leases to core deposits | 61.4806% | 3,558 |
| Total domestic deposits to total assets | 93.6500% | 176 |
| Equity capital to assets | 6.1707% | 4,107 |
| Core capital (leverage) ratio | 9.3580% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $211,013,333 | 2,929 |
| Average earning assets | $195,627,667 | 2,924 |
| Average equity | $12,930,667 | 3,443 |
| Average total loans | $104,361,000 | 3,126 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0084% | 3,439 |
| Cost of funding earning assets | 1.0350% | 1,933 |
| Net interest margin | 2.9734% | 3,654 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.4641% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6288% | 3,638 |
| Return on assets (ROA) | 0.6288% | 3,596 |
| Pretax return on assets | 0.6288% | 3,797 |
| Return on Equity (ROE) | 10.3000% | 2,699 |
| Retained earnings to average equity (ytd only) | 2.5201% | 3,600 |
| Net charge-offs to loans | -0.0273% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.1155% | 894 |
| Assets per employee ($millions) | 6.0421% | 2,727 |
| Cash dividends to net income (ytd only)* | 75.5287% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 664 |
| Loan loss allowance to noncurrent loans | 108.1416% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 595 |
| Noncurrent loans to loans | 1.6648% | 377 |
| Net loans and leases to total assets | 47.2800% | 3,684 |
| Net loans and leases to deposits | 50.5184% | 3,873 |
| Net loans and leases to core deposits | 55.3237% | 3,779 |
| Total domestic deposits to total assets | 93.5900% | 216 |
| Equity capital to assets | 6.2902% | 4,110 |
| Core capital (leverage) ratio | 9.6176% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $210,543,500 | 2,968 |
| Average earning assets | $194,393,500 | 2,968 |
| Average equity | $12,856,500 | 3,490 |
| Average total loans | $102,434,500 | 3,182 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 2,827 |
| Cost of funding earning assets | 0.5143% | 1,298 |
| Net interest margin | 3.0773% | 3,237 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.5356% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7070% | 3,599 |
| Return on assets (ROA) | 0.7199% | 3,506 |
| Pretax return on assets | 0.7199% | 3,815 |
| Return on Equity (ROE) | 9.9600% | 2,822 |
| Retained earnings to average equity (ytd only) | 7.3290% | 2,091 |
| Net charge-offs to loans | 0.0021% | 2,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 744.5000% | 242 |
| Efficiency ratio | 77.6541% | 873 |
| Assets per employee ($millions) | 5.8226% | 2,927 |
| Cash dividends to net income (ytd only)* | 26.3852% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 695 |
| Loan loss allowance to noncurrent loans | 96.6649% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 494 |
| Noncurrent loans to loans | 1.8330% | 321 |
| Net loans and leases to total assets | 48.2900% | 3,654 |
| Net loans and leases to deposits | 51.3941% | 3,835 |
| Net loans and leases to core deposits | 54.0142% | 3,805 |
| Total domestic deposits to total assets | 93.9700% | 246 |
| Equity capital to assets | 5.9209% | 4,118 |
| Core capital (leverage) ratio | 9.6439% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $210,598,200 | 2,973 |
| Average earning assets | $194,812,400 | 2,972 |
| Average equity | $15,227,200 | 3,348 |
| Average total loans | $97,531,000 | 3,186 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 2,807 |
| Cost of funding earning assets | 0.4086% | 1,226 |
| Net interest margin | 3.0306% | 3,141 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.5554% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6811% | 3,617 |
| Return on assets (ROA) | 0.6981% | 3,534 |
| Pretax return on assets | 0.6981% | 3,805 |
| Return on Equity (ROE) | 9.2400% | 2,959 |
| Retained earnings to average equity (ytd only) | 9.2395% | 1,569 |
| Net charge-offs to loans | -0.1109% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.4095% | 880 |
| Assets per employee ($millions) | 5.9465% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 606 |
| Loan loss allowance to noncurrent loans | 100.0524% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 511 |
| Noncurrent loans to loans | 1.8964% | 322 |
| Net loans and leases to total assets | 47.4000% | 3,676 |
| Net loans and leases to deposits | 50.5154% | 3,819 |
| Net loans and leases to core deposits | 54.6824% | 3,709 |
| Total domestic deposits to total assets | 93.8300% | 386 |
| Equity capital to assets | 5.9862% | 3,974 |
| Core capital (leverage) ratio | 9.6391% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $210,844,000 | 2,996 |
| Average earning assets | $195,465,500 | 2,982 |
| Average equity | $15,931,250 | 3,326 |
| Average total loans | $96,150,000 | 3,222 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 2,615 |
| Cost of funding earning assets | 0.3378% | 1,382 |
| Net interest margin | 3.0002% | 2,868 |
| Noninterest income to average assets | 0.4571% | 2,408 |
| Noninterest expense to average assets | 2.4312% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8113% | 2,915 |
| Return on assets (ROA) | 0.8113% | 2,886 |
| Pretax return on assets | 0.8113% | 3,293 |
| Return on Equity (ROE) | 10.0534% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.0534% | 1,001 |
| Net charge-offs to loans | -0.1605% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4247% | 1,463 |
| Assets per employee ($millions) | 5.3359% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 643 |
| Loan loss allowance to noncurrent loans | 97.6911% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0574% | 429 |
| Noncurrent loans to loans | 1.9611% | 332 |
| Net loans and leases to total assets | 48.0751% | 3,546 |
| Net loans and leases to deposits | 51.5530% | 3,722 |
| Net loans and leases to core deposits | 54.1995% | 3,682 |
| Total domestic deposits to total assets | 93.2538% | 450 |
| Equity capital to assets | 6.6111% | 3,970 |
| Core capital (leverage) ratio | 9.3254% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,749,000 | 3,018 |
| Average earning assets | $196,584,000 | 3,017 |
| Average equity | $17,088,667 | 3,316 |
| Average total loans | $94,680,000 | 3,263 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3645% | 2,196 |
| Cost of funding earning assets | 0.3450% | 1,246 |
| Net interest margin | 3.0195% | 2,439 |
| Noninterest income to average assets | 0.4994% | 2,140 |
| Noninterest expense to average assets | 2.3270% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9730% | 1,988 |
| Return on assets (ROA) | 0.9730% | 1,986 |
| Pretax return on assets | 0.9730% | 2,526 |
| Return on Equity (ROE) | 11.1143% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.1143% | 764 |
| Net charge-offs to loans | -0.3119% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0112% | 2,229 |
| Assets per employee ($millions) | 5.6472% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0400% | 580 |
| Loan loss allowance to noncurrent loans | 93.9199% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 461 |
| Noncurrent loans to loans | 2.1720% | 315 |
| Net loans and leases to total assets | 43.6660% | 3,760 |
| Net loans and leases to deposits | 47.7119% | 3,885 |
| Net loans and leases to core deposits | 48.2442% | 3,973 |
| Total domestic deposits to total assets | 91.5203% | 790 |
| Equity capital to assets | 8.3611% | 3,276 |
| Core capital (leverage) ratio | 8.4407% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,240,500 | 2,996 |
| Average earning assets | $200,563,000 | 3,004 |
| Average equity | $18,930,500 | 3,241 |
| Average total loans | $92,328,000 | 3,294 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0915% | 3,698 |
| Cost of funding earning assets | 0.3849% | 1,646 |
| Net interest margin | 2.7065% | 3,859 |
| Noninterest income to average assets | 0.5703% | 2,277 |
| Noninterest expense to average assets | 2.2517% | 2,945 |
| Loan and lease loss provision to assets | 0.2870% | 293 |
| Net operating income to assets | 0.4849% | 4,125 |
| Return on assets (ROA) | 0.4849% | 4,167 |
| Pretax return on assets | 0.4849% | 4,277 |
| Return on Equity (ROE) | 5.3721% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.3721% | 2,634 |
| Net charge-offs to loans | 0.1810% | 535 |
| Credit loss provision to net charge-offs | 351.7241% | 988 |
| Earnings coverage of net charge-offs (x) | 9.4598% | 2,257 |
| Efficiency ratio | 73.8948% | 1,318 |
| Assets per employee ($millions) | 5.8825% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 606 |
| Loan loss allowance to noncurrent loans | 81.1363% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.2674% | 376 |
| Noncurrent loans to loans | 2.4618% | 273 |
| Net loans and leases to total assets | 40.1233% | 4,086 |
| Net loans and leases to deposits | 44.1973% | 4,169 |
| Net loans and leases to core deposits | 44.5962% | 4,243 |
| Total domestic deposits to total assets | 90.7822% | 586 |
| Equity capital to assets | 9.1220% | 3,491 |
| Core capital (leverage) ratio | 8.4712% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,219,000 | 2,958 |
| Average earning assets | $193,274,200 | 3,007 |
| Average equity | $19,247,600 | 3,280 |
| Average total loans | $96,157,200 | 3,247 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1944% | 3,615 |
| Cost of funding earning assets | 0.3966% | 1,719 |
| Net interest margin | 2.7978% | 3,785 |
| Noninterest income to average assets | 0.3336% | 3,436 |
| Noninterest expense to average assets | 2.2781% | 2,813 |
| Loan and lease loss provision to assets | 0.3874% | 168 |
| Net operating income to assets | 0.1912% | 4,635 |
| Return on assets (ROA) | 0.1912% | 4,656 |
| Pretax return on assets | 0.1912% | 4,673 |
| Return on Equity (ROE) | 2.1235% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.1235% | 4,159 |
| Net charge-offs to loans | 0.1521% | 548 |
| Credit loss provision to net charge-offs | 551.3514% | 731 |
| Earnings coverage of net charge-offs (x) | 8.2342% | 2,111 |
| Efficiency ratio | 79.1270% | 805 |
| Assets per employee ($millions) | 5.6119% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 696 |
| Loan loss allowance to noncurrent loans | 43.1243% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.2987% | 146 |
| Noncurrent loans to loans | 4.5215% | 91 |
| Net loans and leases to total assets | 44.5907% | 3,903 |
| Net loans and leases to deposits | 49.3528% | 4,037 |
| Net loans and leases to core deposits | 49.8221% | 4,151 |
| Total domestic deposits to total assets | 90.3509% | 619 |
| Equity capital to assets | 9.4611% | 3,414 |
| Core capital (leverage) ratio | 8.6094% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,639,750 | 3,011 |
| Average earning assets | $189,955,500 | 3,062 |
| Average equity | $18,961,750 | 3,344 |
| Average total loans | $97,317,000 | 3,281 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3095% | 3,400 |
| Cost of funding earning assets | 0.4063% | 1,833 |
| Net interest margin | 2.9032% | 3,567 |
| Noninterest income to average assets | 0.3242% | 3,486 |
| Noninterest expense to average assets | 2.3016% | 2,771 |
| Loan and lease loss provision to assets | 0.5835% | 78 |
| Net operating income to assets | 0.0553% | 4,746 |
| Return on assets (ROA) | 0.0553% | 4,756 |
| Pretax return on assets | 0.0553% | 4,758 |
| Return on Equity (ROE) | 0.6251% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.6251% | 4,408 |
| Net charge-offs to loans | 0.0246% | 1,452 |
| Credit loss provision to net charge-offs | 5,100.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 55.8333% | 1,007 |
| Efficiency ratio | 77.6589% | 937 |
| Assets per employee ($millions) | 5.1830% | 3,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 628 |
| Loan loss allowance to noncurrent loans | 44.0460% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.2429% | 169 |
| Noncurrent loans to loans | 4.5007% | 105 |
| Net loans and leases to total assets | 47.4602% | 3,785 |
| Net loans and leases to deposits | 52.5946% | 3,959 |
| Net loans and leases to core deposits | 53.0240% | 4,083 |
| Total domestic deposits to total assets | 90.2378% | 676 |
| Equity capital to assets | 9.6001% | 3,253 |
| Core capital (leverage) ratio | 8.4537% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9287% | 1,656 |
| Memoranda: | ||
| Average total assets | $209,768,667 | 3,015 |
| Average earning assets | $189,031,667 | 3,075 |
| Average equity | $18,557,000 | 3,379 |
| Average total loans | $97,428,667 | 3,292 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 2,975 |
| Cost of funding earning assets | 0.4041% | 2,060 |
| Net interest margin | 3.0786% | 3,060 |
| Noninterest income to average assets | 0.2465% | 3,918 |
| Noninterest expense to average assets | 2.2067% | 3,086 |
| Loan and lease loss provision to assets | 0.2844% | 342 |
| Net operating income to assets | 0.5138% | 4,149 |
| Return on assets (ROA) | 0.5138% | 4,184 |
| Pretax return on assets | 0.5138% | 4,316 |
| Return on Equity (ROE) | 6.0613% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.0613% | 2,870 |
| Net charge-offs to loans | 0.0709% | 847 |
| Credit loss provision to net charge-offs | 882.3529% | 448 |
| Earnings coverage of net charge-offs (x) | 24.7647% | 1,167 |
| Efficiency ratio | 72.8707% | 1,416 |
| Assets per employee ($millions) | 6.4703% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,377 |
| Loan loss allowance to noncurrent loans | 33.7320% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.1124% | 229 |
| Noncurrent loans to loans | 4.6480% | 96 |
| Net loans and leases to total assets | 43.4635% | 4,148 |
| Net loans and leases to deposits | 49.4369% | 4,196 |
| Net loans and leases to core deposits | 49.8272% | 4,302 |
| Total domestic deposits to total assets | 87.9171% | 1,887 |
| Equity capital to assets | 8.4682% | 4,142 |
| Core capital (leverage) ratio | 7.9833% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,992,500 | 2,999 |
| Average earning assets | $189,046,500 | 3,058 |
| Average equity | $17,884,000 | 3,432 |
| Average total loans | $95,950,500 | 3,324 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 2,921 |
| Cost of funding earning assets | 0.4802% | 3,079 |
| Net interest margin | 3.4545% | 2,619 |
| Noninterest income to average assets | 0.3352% | 3,454 |
| Noninterest expense to average assets | 2.5947% | 2,560 |
| Loan and lease loss provision to assets | 0.4093% | 752 |
| Net operating income to assets | 0.4512% | 4,139 |
| Return on assets (ROA) | 0.4512% | 4,219 |
| Pretax return on assets | 0.4512% | 4,351 |
| Return on Equity (ROE) | 4.8020% | 3,953 |
| Retained earnings to average equity (ytd only) | 1.3376% | 4,095 |
| Net charge-offs to loans | 0.2780% | 618 |
| Credit loss provision to net charge-offs | 274.9049% | 1,826 |
| Earnings coverage of net charge-offs (x) | 5.7795% | 2,836 |
| Efficiency ratio | 74.8157% | 1,354 |
| Assets per employee ($millions) | 6.1211% | 2,238 |
| Cash dividends to net income (ytd only)* | 72.1455% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,704 |
| Loan loss allowance to noncurrent loans | 30.3892% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 209 |
| Noncurrent loans to loans | 4.8268% | 98 |
| Net loans and leases to total assets | 46.2252% | 4,113 |
| Net loans and leases to deposits | 52.7668% | 4,180 |
| Net loans and leases to core deposits | 53.2179% | 4,289 |
| Total domestic deposits to total assets | 87.6027% | 1,658 |
| Equity capital to assets | 8.4848% | 4,453 |
| Core capital (leverage) ratio | 7.3164% | 4,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,629,800 | 3,132 |
| Average earning assets | $159,530,200 | 3,174 |
| Average equity | $16,597,200 | 3,494 |
| Average total loans | $94,604,200 | 3,325 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,402 |
| Cost of funding earning assets | 0.4948% | 3,259 |
| Net interest margin | 3.7048% | 1,926 |
| Noninterest income to average assets | 0.2756% | 3,825 |
| Noninterest expense to average assets | 2.5697% | 2,631 |
| Loan and lease loss provision to assets | 0.2449% | 1,661 |
| Net operating income to assets | 0.8198% | 3,017 |
| Return on assets (ROA) | 0.8198% | 3,142 |
| Pretax return on assets | 0.8198% | 3,595 |
| Return on Equity (ROE) | 8.4801% | 2,609 |
| Retained earnings to average equity (ytd only) | 3.8229% | 3,129 |
| Net charge-offs to loans | 0.2919% | 542 |
| Credit loss provision to net charge-offs | 151.2077% | 2,316 |
| Earnings coverage of net charge-offs (x) | 6.5700% | 2,641 |
| Efficiency ratio | 70.5946% | 1,805 |
| Assets per employee ($millions) | 6.0605% | 2,217 |
| Cash dividends to net income (ytd only)* | 54.9188% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,510 |
| Loan loss allowance to noncurrent loans | 25.3363% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.2467% | 260 |
| Noncurrent loans to loans | 4.1098% | 157 |
| Net loans and leases to total assets | 52.4067% | 3,935 |
| Net loans and leases to deposits | 60.5562% | 4,022 |
| Net loans and leases to core deposits | 61.1201% | 4,150 |
| Total domestic deposits to total assets | 86.5421% | 1,842 |
| Equity capital to assets | 9.1864% | 3,963 |
| Core capital (leverage) ratio | 8.0969% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,288,250 | 3,173 |
| Average earning assets | $154,391,000 | 3,199 |
| Average equity | $16,461,750 | 3,510 |
| Average total loans | $94,564,500 | 3,335 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 2,065 |
| Cost of funding earning assets | 0.5223% | 3,404 |
| Net interest margin | 3.9316% | 1,493 |
| Noninterest income to average assets | 0.2968% | 3,691 |
| Noninterest expense to average assets | 2.5178% | 2,915 |
| Loan and lease loss provision to assets | 0.2226% | 1,881 |
| Net operating income to assets | 1.1361% | 1,854 |
| Return on assets (ROA) | 1.1361% | 1,973 |
| Pretax return on assets | 1.1361% | 2,592 |
| Return on Equity (ROE) | 11.5337% | 1,469 |
| Retained earnings to average equity (ytd only) | 4.4332% | 2,734 |
| Net charge-offs to loans | 0.0753% | 1,499 |
| Credit loss provision to net charge-offs | 522.8571% | 1,194 |
| Earnings coverage of net charge-offs (x) | 31.9143% | 1,386 |
| Efficiency ratio | 64.8259% | 2,688 |
| Assets per employee ($millions) | 5.3525% | 2,774 |
| Cash dividends to net income (ytd only)* | 61.5632% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,089 |
| Loan loss allowance to noncurrent loans | 31.7059% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.9408% | 386 |
| Noncurrent loans to loans | 3.4557% | 234 |
| Net loans and leases to total assets | 53.4720% | 3,918 |
| Net loans and leases to deposits | 61.9815% | 4,006 |
| Net loans and leases to core deposits | 62.5794% | 4,152 |
| Total domestic deposits to total assets | 86.2708% | 1,904 |
| Equity capital to assets | 9.3464% | 3,786 |
| Core capital (leverage) ratio | 8.5617% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,426,000 | 3,205 |
| Average earning assets | $149,711,000 | 3,223 |
| Average equity | $16,196,000 | 3,529 |
| Average total loans | $92,921,000 | 3,356 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4072% | 2,596 |
| Cost of funding earning assets | 0.5922% | 3,473 |
| Net interest margin | 3.8151% | 1,920 |
| Noninterest income to average assets | 0.2750% | 3,882 |
| Noninterest expense to average assets | 2.6316% | 2,886 |
| Loan and lease loss provision to assets | 0.1285% | 2,109 |
| Net operating income to assets | 0.9586% | 2,318 |
| Return on assets (ROA) | 0.9586% | 2,422 |
| Pretax return on assets | 0.9586% | 2,969 |
| Return on Equity (ROE) | 9.4493% | 1,936 |
| Retained earnings to average equity (ytd only) | -5.1173% | 4,531 |
| Net charge-offs to loans | 0.0577% | 1,431 |
| Credit loss provision to net charge-offs | 384.6154% | 1,033 |
| Earnings coverage of net charge-offs (x) | 32.5385% | 1,129 |
| Efficiency ratio | 70.6289% | 2,264 |
| Assets per employee ($millions) | 5.0860% | 2,553 |
| Cash dividends to net income (ytd only)* | 154.1555% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,408 |
| Loan loss allowance to noncurrent loans | 27.7714% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 2.2922% | 322 |
| Noncurrent loans to loans | 3.8138% | 222 |
| Net loans and leases to total assets | 57.2943% | 3,728 |
| Net loans and leases to deposits | 64.1902% | 3,973 |
| Net loans and leases to core deposits | 65.0688% | 4,124 |
| Total domestic deposits to total assets | 89.2570% | 563 |
| Equity capital to assets | 9.9686% | 3,817 |
| Core capital (leverage) ratio | 9.4800% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,646,500 | 3,261 |
| Average earning assets | $140,496,000 | 3,305 |
| Average equity | $15,789,500 | 3,575 |
| Average total loans | $90,187,000 | 3,392 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 2,669 |
| Cost of funding earning assets | 0.6877% | 3,223 |
| Net interest margin | 3.8970% | 2,181 |
| Noninterest income to average assets | 0.3509% | 3,600 |
| Noninterest expense to average assets | 2.7041% | 2,870 |
| Loan and lease loss provision to assets | 0.3229% | 494 |
| Net operating income to assets | 0.9102% | 3,164 |
| Return on assets (ROA) | 0.9102% | 3,248 |
| Pretax return on assets | 0.9102% | 3,713 |
| Return on Equity (ROE) | 8.8664% | 2,811 |
| Retained earnings to average equity (ytd only) | 1.7321% | 4,110 |
| Net charge-offs to loans | 0.8468% | 193 |
| Credit loss provision to net charge-offs | 64.4898% | 2,982 |
| Earnings coverage of net charge-offs (x) | 2.4626% | 3,414 |
| Efficiency ratio | 68.5586% | 2,378 |
| Assets per employee ($millions) | 4.5185% | 3,193 |
| Cash dividends to net income (ytd only)* | 80.4641% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 3,258 |
| Loan loss allowance to noncurrent loans | 27.0113% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.3270% | 299 |
| Noncurrent loans to loans | 3.8653% | 191 |
| Net loans and leases to total assets | 57.3750% | 3,820 |
| Net loans and leases to deposits | 64.0535% | 4,071 |
| Net loans and leases to core deposits | 64.8871% | 4,244 |
| Total domestic deposits to total assets | 89.5735% | 469 |
| Equity capital to assets | 10.3249% | 3,607 |
| Core capital (leverage) ratio | 9.7659% | 3,770 |
| Tier 1 risk-based capital ratio | 14.0232% | 3,261 |
| Total risk-based capital ratio | 14.9156% | 3,336 |
| Memoranda: | ||
| Average total assets | $146,775,600 | 3,337 |
| Average earning assets | $135,079,800 | 3,349 |
| Average equity | $15,068,200 | 3,633 |
| Average total loans | $86,801,400 | 3,470 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6517% | 2,560 |
| Cost of funding earning assets | 0.7044% | 3,199 |
| Net interest margin | 3.9473% | 2,112 |
| Noninterest income to average assets | 0.3483% | 3,642 |
| Noninterest expense to average assets | 2.7776% | 2,630 |
| Loan and lease loss provision to assets | 0.2813% | 535 |
| Net operating income to assets | 0.9311% | 3,225 |
| Return on assets (ROA) | 0.9311% | 3,304 |
| Pretax return on assets | 0.9311% | 3,790 |
| Return on Equity (ROE) | 9.0831% | 2,855 |
| Retained earnings to average equity (ytd only) | 3.9274% | 3,438 |
| Net charge-offs to loans | 1.0266% | 137 |
| Credit loss provision to net charge-offs | 46.0843% | 2,817 |
| Earnings coverage of net charge-offs (x) | 1.9864% | 3,233 |
| Efficiency ratio | 69.5001% | 2,190 |
| Assets per employee ($millions) | 4.3479% | 3,420 |
| Cash dividends to net income (ytd only)* | 56.7624% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 3,920 |
| Loan loss allowance to noncurrent loans | 35.5679% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 1.6736% | 618 |
| Noncurrent loans to loans | 2.6184% | 424 |
| Net loans and leases to total assets | 59.9420% | 3,679 |
| Net loans and leases to deposits | 67.8907% | 3,931 |
| Net loans and leases to core deposits | 68.8230% | 4,118 |
| Total domestic deposits to total assets | 88.2918% | 917 |
| Equity capital to assets | 10.8085% | 3,285 |
| Core capital (leverage) ratio | 10.0098% | 3,634 |
| Tier 1 risk-based capital ratio | 14.4419% | 3,108 |
| Total risk-based capital ratio | 15.2553% | 3,241 |
| Memoranda: | ||
| Average total assets | $145,062,500 | 3,395 |
| Average earning assets | $133,827,250 | 3,401 |
| Average equity | $14,869,750 | 3,684 |
| Average total loans | $86,233,250 | 3,521 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 2,629 |
| Cost of funding earning assets | 0.6831% | 3,260 |
| Net interest margin | 3.9322% | 2,145 |
| Noninterest income to average assets | 0.3524% | 3,579 |
| Noninterest expense to average assets | 2.8264% | 2,498 |
| Loan and lease loss provision to assets | 0.2206% | 752 |
| Net operating income to assets | 0.9394% | 3,132 |
| Return on assets (ROA) | 0.9394% | 3,197 |
| Pretax return on assets | 0.9394% | 3,747 |
| Return on Equity (ROE) | 9.3377% | 2,709 |
| Retained earnings to average equity (ytd only) | 1.4069% | 4,318 |
| Net charge-offs to loans | 0.1010% | 1,372 |
| Credit loss provision to net charge-offs | 369.7674% | 772 |
| Earnings coverage of net charge-offs (x) | 19.4419% | 1,818 |
| Efficiency ratio | 70.7623% | 2,106 |
| Assets per employee ($millions) | 4.0499% | 3,807 |
| Cash dividends to net income (ytd only)* | 84.9335% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,227 |
| Loan loss allowance to noncurrent loans | 44.1256% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.1222% | 416 |
| Noncurrent loans to loans | 3.4331% | 250 |
| Net loans and leases to total assets | 58.2811% | 3,888 |
| Net loans and leases to deposits | 66.5203% | 4,063 |
| Net loans and leases to core deposits | 67.4539% | 4,239 |
| Total domestic deposits to total assets | 87.6141% | 1,277 |
| Equity capital to assets | 10.5017% | 3,516 |
| Core capital (leverage) ratio | 9.9445% | 3,648 |
| Tier 1 risk-based capital ratio | 14.1470% | 3,242 |
| Total risk-based capital ratio | 15.3970% | 3,161 |
| Memoranda: | ||
| Average total assets | $144,140,670 | 3,431 |
| Average earning assets | $133,206,670 | 3,437 |
| Average equity | $14,500,330 | 3,721 |
| Average total loans | $85,163,000 | 3,566 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 2,457 |
| Cost of funding earning assets | 0.6557% | 3,289 |
| Net interest margin | 3.9677% | 1,957 |
| Noninterest income to average assets | 0.3182% | 3,731 |
| Noninterest expense to average assets | 2.8246% | 2,481 |
| Loan and lease loss provision to assets | 0.2177% | 719 |
| Net operating income to assets | 0.9406% | 3,086 |
| Return on assets (ROA) | 0.9406% | 3,128 |
| Pretax return on assets | 0.9406% | 3,640 |
| Return on Equity (ROE) | 9.5637% | 2,564 |
| Retained earnings to average equity (ytd only) | -6.7542% | 5,000 |
| Net charge-offs to loans | 0.0662% | 1,388 |
| Credit loss provision to net charge-offs | 557.1429% | 574 |
| Earnings coverage of net charge-offs (x) | 29.6429% | 1,338 |
| Efficiency ratio | 70.7779% | 2,228 |
| Assets per employee ($millions) | 4.0752% | 3,811 |
| Cash dividends to net income (ytd only)* | 170.6231% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,376 |
| Loan loss allowance to noncurrent loans | 43.6522% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.0157% | 482 |
| Noncurrent loans to loans | 3.4051% | 275 |
| Net loans and leases to total assets | 58.3154% | 3,852 |
| Net loans and leases to deposits | 64.8852% | 4,132 |
| Net loans and leases to core deposits | 66.0539% | 4,275 |
| Total domestic deposits to total assets | 89.8747% | 499 |
| Equity capital to assets | 9.9851% | 3,846 |
| Core capital (leverage) ratio | 9.5751% | 4,050 |
| Tier 1 risk-based capital ratio | 14.2198% | 3,235 |
| Total risk-based capital ratio | 15.4714% | 3,158 |
| Memoranda: | ||
| Average total assets | $143,313,500 | 3,479 |
| Average earning assets | $132,370,000 | 3,478 |
| Average equity | $14,095,000 | 3,786 |
| Average total loans | $84,605,500 | 3,600 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 2,508 |
| Cost of funding earning assets | 0.4331% | 3,780 |
| Net interest margin | 4.0504% | 1,825 |
| Noninterest income to average assets | 0.3679% | 3,637 |
| Noninterest expense to average assets | 2.7430% | 2,881 |
| Loan and lease loss provision to assets | 0.3815% | 370 |
| Net operating income to assets | 0.9840% | 3,085 |
| Return on assets (ROA) | 0.9847% | 3,079 |
| Pretax return on assets | 0.9847% | 3,660 |
| Return on Equity (ROE) | 10.3702% | 2,361 |
| Retained earnings to average equity (ytd only) | 8.4929% | 1,050 |
| Net charge-offs to loans | 0.1437% | 1,325 |
| Credit loss provision to net charge-offs | 465.2174% | 739 |
| Earnings coverage of net charge-offs (x) | 16.6522% | 2,235 |
| Efficiency ratio | 66.6435% | 2,758 |
| Assets per employee ($millions) | 4.1141% | 3,733 |
| Cash dividends to net income (ytd only)* | 18.1028% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 1,617 |
| Loan loss allowance to noncurrent loans | 42.7035% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 508 |
| Noncurrent loans to loans | 3.2897% | 288 |
| Net loans and leases to total assets | 58.0496% | 3,956 |
| Net loans and leases to deposits | 64.3544% | 4,234 |
| Net loans and leases to core deposits | 66.0091% | 4,355 |
| Total domestic deposits to total assets | 90.2031% | 413 |
| Equity capital to assets | 9.6865% | 3,972 |
| Core capital (leverage) ratio | 10.0381% | 3,531 |
| Tier 1 risk-based capital ratio | 14.3225% | 3,159 |
| Total risk-based capital ratio | 15.5116% | 3,102 |
| Memoranda: | ||
| Average total assets | $140,250,200 | 3,501 |
| Average earning assets | $129,516,800 | 3,498 |
| Average equity | $13,317,000 | 3,840 |
| Average total loans | $80,032,800 | 3,667 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 2,449 |
| Cost of funding earning assets | 0.3975% | 3,875 |
| Net interest margin | 4.0583% | 1,762 |
| Noninterest income to average assets | 0.3627% | 3,710 |
| Noninterest expense to average assets | 2.7496% | 2,815 |
| Loan and lease loss provision to assets | 0.5120% | 216 |
| Net operating income to assets | 0.8527% | 3,726 |
| Return on assets (ROA) | 0.8537% | 3,728 |
| Pretax return on assets | 0.8537% | 4,158 |
| Return on Equity (ROE) | 9.0377% | 3,062 |
| Retained earnings to average equity (ytd only) | 6.5048% | 2,382 |
| Net charge-offs to loans | 0.1674% | 989 |
| Credit loss provision to net charge-offs | 540.4040% | 657 |
| Earnings coverage of net charge-offs (x) | 14.4037% | 2,286 |
| Efficiency ratio | 66.7132% | 2,761 |
| Assets per employee ($millions) | 4.1545% | 3,646 |
| Cash dividends to net income (ytd only)* | 28.0274% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 1,337 |
| Loan loss allowance to noncurrent loans | 52.8922% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.6645% | 742 |
| Noncurrent loans to loans | 2.8402% | 408 |
| Net loans and leases to total assets | 57.7256% | 4,068 |
| Net loans and leases to deposits | 66.6661% | 4,152 |
| Net loans and leases to core deposits | 68.5462% | 4,275 |
| Total domestic deposits to total assets | 86.5891% | 1,920 |
| Equity capital to assets | 9.6589% | 3,951 |
| Core capital (leverage) ratio | 9.9605% | 3,683 |
| Tier 1 risk-based capital ratio | 14.3343% | 3,196 |
| Total risk-based capital ratio | 15.5831% | 3,119 |
| Memoranda: | ||
| Average total assets | $139,314,250 | 3,551 |
| Average earning assets | $128,786,500 | 3,547 |
| Average equity | $13,159,250 | 3,890 |
| Average total loans | $78,846,250 | 3,717 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,442 |
| Cost of funding earning assets | 0.3769% | 3,898 |
| Net interest margin | 4.0162% | 1,806 |
| Noninterest income to average assets | 0.3656% | 3,710 |
| Noninterest expense to average assets | 2.7204% | 2,940 |
| Loan and lease loss provision to assets | 0.7640% | 123 |
| Net operating income to assets | 0.5941% | 4,511 |
| Return on assets (ROA) | 0.6169% | 4,447 |
| Pretax return on assets | 0.6169% | 4,714 |
| Return on Equity (ROE) | 6.5795% | 4,033 |
| Retained earnings to average equity (ytd only) | 3.9142% | 3,648 |
| Net charge-offs to loans | 0.1047% | 1,311 |
| Credit loss provision to net charge-offs | 1,304.8780% | 320 |
| Earnings coverage of net charge-offs (x) | 23.1951% | 1,717 |
| Efficiency ratio | 66.5616% | 2,884 |
| Assets per employee ($millions) | 3.7940% | 4,221 |
| Cash dividends to net income (ytd only)* | 40.5093% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,065 |
| Loan loss allowance to noncurrent loans | 54.6672% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.6520% | 754 |
| Noncurrent loans to loans | 2.9613% | 386 |
| Net loans and leases to total assets | 54.7636% | 4,272 |
| Net loans and leases to deposits | 60.5332% | 4,502 |
| Net loans and leases to core deposits | 63.6828% | 4,509 |
| Total domestic deposits to total assets | 90.4686% | 408 |
| Equity capital to assets | 9.3426% | 4,248 |
| Core capital (leverage) ratio | 9.5312% | 4,081 |
| Tier 1 risk-based capital ratio | 14.1238% | 3,302 |
| Total risk-based capital ratio | 15.3748% | 3,218 |
| Memoranda: | ||
| Average total assets | $140,053,330 | 3,574 |
| Average earning assets | $129,476,330 | 3,557 |
| Average equity | $13,131,670 | 3,913 |
| Average total loans | $78,346,000 | 3,743 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,868 |
| Cost of funding earning assets | 0.3706% | 3,826 |
| Net interest margin | 4.1286% | 1,370 |
| Noninterest income to average assets | 0.3117% | 4,074 |
| Noninterest expense to average assets | 2.7707% | 2,802 |
| Loan and lease loss provision to assets | 1.5298% | 50 |
| Net operating income to assets | -0.1658% | 5,443 |
| Return on assets (ROA) | -0.1372% | 5,425 |
| Pretax return on assets | -0.1372% | 5,423 |
| Return on Equity (ROE) | -1.4612% | 5,435 |
| Retained earnings to average equity (ytd only) | -4.5053% | 5,177 |
| Net charge-offs to loans | 0.0765% | 1,358 |
| Credit loss provision to net charge-offs | 3,566.6667% | 111 |
| Earnings coverage of net charge-offs (x) | 31.8000% | 1,206 |
| Efficiency ratio | 66.8741% | 3,022 |
| Assets per employee ($millions) | 4.0317% | 3,925 |
| Cash dividends to net income (ytd only)* | -208.3333% | 5,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6445% | 1,065 |
| Loan loss allowance to noncurrent loans | 173.0563% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,759 |
| Noncurrent loans to loans | 0.9503% | 1,921 |
| Net loans and leases to total assets | 54.7190% | 4,226 |
| Net loans and leases to deposits | 60.2509% | 4,453 |
| Net loans and leases to core deposits | 63.4071% | 4,457 |
| Total domestic deposits to total assets | 90.8185% | 378 |
| Equity capital to assets | 9.0398% | 4,511 |
| Core capital (leverage) ratio | 8.9660% | 4,710 |
| Tier 1 risk-based capital ratio | 13.7227% | 3,532 |
| Total risk-based capital ratio | 14.9740% | 3,436 |
| Memoranda: | ||
| Average total assets | $139,891,000 | 3,607 |
| Average earning assets | $129,534,500 | 3,594 |
| Average equity | $13,140,000 | 3,945 |
| Average total loans | $78,448,500 | 3,770 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3942% | 2,042 |
| Cost of funding earning assets | 0.3295% | 3,883 |
| Net interest margin | 4.0647% | 1,546 |
| Noninterest income to average assets | 0.4058% | 3,600 |
| Noninterest expense to average assets | 2.6790% | 3,199 |
| Loan and lease loss provision to assets | 0.0373% | 3,522 |
| Net operating income to assets | 1.4507% | 906 |
| Return on assets (ROA) | 1.5260% | 765 |
| Pretax return on assets | 1.5260% | 1,538 |
| Return on Equity (ROE) | 15.6752% | 518 |
| Retained earnings to average equity (ytd only) | 4.0333% | 2,764 |
| Net charge-offs to loans | 0.1751% | 1,420 |
| Credit loss provision to net charge-offs | 39.2308% | 3,444 |
| Earnings coverage of net charge-offs (x) | 15.6538% | 2,231 |
| Efficiency ratio | 64.1692% | 3,580 |
| Assets per employee ($millions) | 4.2022% | 3,648 |
| Cash dividends to net income (ytd only)* | 74.2693% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 4,032 |
| Loan loss allowance to noncurrent loans | 268.6411% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 4,105 |
| Noncurrent loans to loans | 0.3661% | 3,452 |
| Net loans and leases to total assets | 55.9745% | 4,189 |
| Net loans and leases to deposits | 62.0968% | 4,443 |
| Net loans and leases to core deposits | 65.4378% | 4,449 |
| Total domestic deposits to total assets | 90.1408% | 523 |
| Equity capital to assets | 9.7525% | 3,963 |
| Core capital (leverage) ratio | 9.3735% | 4,197 |
| Tier 1 risk-based capital ratio | 13.9090% | 3,414 |
| Total risk-based capital ratio | 14.7209% | 3,556 |
| Memoranda: | ||
| Average total assets | $136,766,200 | 3,654 |
| Average earning assets | $126,553,600 | 3,642 |
| Average equity | $13,314,000 | 3,942 |
| Average total loans | $74,257,200 | 3,862 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 2,072 |
| Cost of funding earning assets | 0.3160% | 3,977 |
| Net interest margin | 4.0451% | 1,558 |
| Noninterest income to average assets | 0.4089% | 3,626 |
| Noninterest expense to average assets | 2.6541% | 3,234 |
| Loan and lease loss provision to assets | 0.0499% | 3,098 |
| Net operating income to assets | 1.4488% | 995 |
| Return on assets (ROA) | 1.5476% | 826 |
| Pretax return on assets | 1.5476% | 1,588 |
| Return on Equity (ROE) | 15.9053% | 537 |
| Retained earnings to average equity (ytd only) | 8.8675% | 892 |
| Net charge-offs to loans | 0.1839% | 1,148 |
| Credit loss provision to net charge-offs | 50.4950% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.1687% | 2,248 |
| Efficiency ratio | 63.9105% | 3,564 |
| Assets per employee ($millions) | 4.1092% | 3,808 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 3,785 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 4,056 |
| Noncurrent loans to loans | 0.4468% | 3,363 |
| Net loans and leases to total assets | 55.5320% | 4,271 |
| Net loans and leases to deposits | 62.6679% | 4,465 |
| Net loans and leases to core deposits | 66.2890% | 4,465 |
| Total domestic deposits to total assets | 88.6131% | 1,061 |
| Equity capital to assets | 10.3877% | 3,491 |
| Core capital (leverage) ratio | 9.8209% | 3,796 |
| Tier 1 risk-based capital ratio | 14.5785% | 3,142 |
| Total risk-based capital ratio | 15.4392% | 3,262 |
| Memoranda: | ||
| Average total assets | $136,289,750 | 3,701 |
| Average earning assets | $126,142,750 | 3,677 |
| Average equity | $13,261,500 | 3,989 |
| Average total loans | $73,223,500 | 3,923 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2686% | 2,227 |
| Cost of funding earning assets | 0.3069% | 4,017 |
| Net interest margin | 3.9617% | 1,733 |
| Noninterest income to average assets | 0.4307% | 3,485 |
| Noninterest expense to average assets | 2.6458% | 3,283 |
| Loan and lease loss provision to assets | 0.0278% | 3,444 |
| Net operating income to assets | 1.4254% | 1,007 |
| Return on assets (ROA) | 1.5749% | 764 |
| Pretax return on assets | 1.5749% | 1,419 |
| Return on Equity (ROE) | 16.5554% | 450 |
| Retained earnings to average equity (ytd only) | 7.3152% | 1,443 |
| Net charge-offs to loans | 0.0941% | 1,675 |
| Credit loss provision to net charge-offs | 55.8824% | 2,496 |
| Earnings coverage of net charge-offs (x) | 29.1765% | 1,481 |
| Efficiency ratio | 64.5461% | 3,584 |
| Assets per employee ($millions) | 3.7041% | 4,428 |
| Cash dividends to net income (ytd only)* | 55.8140% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,495 |
| Loan loss allowance to noncurrent loans | 127.6758% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 3,186 |
| Noncurrent loans to loans | 0.8736% | 2,239 |
| Net loans and leases to total assets | 54.0157% | 4,389 |
| Net loans and leases to deposits | 60.1417% | 4,613 |
| Net loans and leases to core deposits | 63.5835% | 4,632 |
| Total domestic deposits to total assets | 89.8140% | 599 |
| Equity capital to assets | 9.9758% | 3,941 |
| Core capital (leverage) ratio | 9.2756% | 4,391 |
| Tier 1 risk-based capital ratio | 13.6913% | 3,592 |
| Total risk-based capital ratio | 14.5614% | 3,714 |
| Memoranda: | ||
| Average total assets | $136,518,670 | 3,717 |
| Average earning assets | $126,411,670 | 3,699 |
| Average equity | $12,986,670 | 4,040 |
| Average total loans | $72,263,670 | 3,970 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,496 |
| Cost of funding earning assets | 0.3044% | 4,000 |
| Net interest margin | 3.8397% | 1,986 |
| Noninterest income to average assets | 0.4433% | 3,350 |
| Noninterest expense to average assets | 2.6069% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3915% | 1,016 |
| Return on assets (ROA) | 1.6910% | 574 |
| Pretax return on assets | 1.6910% | 1,031 |
| Return on Equity (ROE) | 18.2221% | 325 |
| Retained earnings to average equity (ytd only) | 2.4043% | 4,186 |
| Net charge-offs to loans | 0.0338% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 658 |
| Efficiency ratio | 65.1982% | 3,634 |
| Assets per employee ($millions) | 4.1432% | 3,772 |
| Cash dividends to net income (ytd only)* | 86.8056% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 3,047 |
| Loan loss allowance to noncurrent loans | 314.9254% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 4,453 |
| Noncurrent loans to loans | 0.3859% | 3,723 |
| Net loans and leases to total assets | 50.1828% | 4,656 |
| Net loans and leases to deposits | 55.4010% | 4,852 |
| Net loans and leases to core deposits | 58.5505% | 4,851 |
| Total domestic deposits to total assets | 90.5812% | 440 |
| Equity capital to assets | 9.2528% | 4,565 |
| Core capital (leverage) ratio | 9.1643% | 4,530 |
| Tier 1 risk-based capital ratio | 14.5979% | 3,158 |
| Total risk-based capital ratio | 15.5650% | 3,228 |
| Memoranda: | ||
| Average total assets | $136,252,500 | 3,752 |
| Average earning assets | $126,155,000 | 3,734 |
| Average equity | $12,644,000 | 4,114 |
| Average total loans | $70,963,500 | 4,030 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,152 |
| Cost of funding earning assets | 0.3149% | 3,900 |
| Net interest margin | 3.9818% | 1,685 |
| Noninterest income to average assets | 0.4371% | 3,636 |
| Noninterest expense to average assets | 2.7567% | 3,169 |
| Loan and lease loss provision to assets | 0.0226% | 3,919 |
| Net operating income to assets | 1.3400% | 1,118 |
| Return on assets (ROA) | 1.3784% | 1,099 |
| Pretax return on assets | 1.3784% | 2,019 |
| Return on Equity (ROE) | 13.4097% | 904 |
| Retained earnings to average equity (ytd only) | 1.3981% | 4,713 |
| Net charge-offs to loans | 0.1288% | 1,956 |
| Credit loss provision to net charge-offs | 32.2581% | 3,567 |
| Earnings coverage of net charge-offs (x) | 19.4731% | 1,911 |
| Efficiency ratio | 66.9224% | 3,453 |
| Assets per employee ($millions) | 3.7716% | 4,361 |
| Cash dividends to net income (ytd only)* | 89.5742% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 3,287 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 4,233 |
| Noncurrent loans to loans | 0.2415% | 4,287 |
| Net loans and leases to total assets | 52.7475% | 4,550 |
| Net loans and leases to deposits | 58.2461% | 4,771 |
| Net loans and leases to core deposits | 61.3621% | 4,786 |
| Total domestic deposits to total assets | 90.5597% | 430 |
| Equity capital to assets | 9.3070% | 4,466 |
| Core capital (leverage) ratio | 9.3666% | 4,262 |
| Tier 1 risk-based capital ratio | 14.0752% | 3,422 |
| Total risk-based capital ratio | 15.0199% | 3,503 |
| Memoranda: | ||
| Average total assets | $132,911,000 | 3,786 |
| Average earning assets | $122,909,000 | 3,773 |
| Average equity | $13,661,800 | 3,997 |
| Average total loans | $72,202,200 | 3,989 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,158 |
| Cost of funding earning assets | 0.3160% | 3,918 |
| Net interest margin | 3.9851% | 1,700 |
| Noninterest income to average assets | 0.4105% | 3,842 |
| Noninterest expense to average assets | 2.7151% | 3,315 |
| Loan and lease loss provision to assets | 0.0303% | 3,632 |
| Net operating income to assets | 1.3535% | 1,158 |
| Return on assets (ROA) | 1.3777% | 1,174 |
| Pretax return on assets | 1.3777% | 2,134 |
| Return on Equity (ROE) | 13.0859% | 1,026 |
| Retained earnings to average equity (ytd only) | 9.5414% | 676 |
| Net charge-offs to loans | 0.1460% | 1,534 |
| Credit loss provision to net charge-offs | 37.9747% | 3,167 |
| Earnings coverage of net charge-offs (x) | 17.3672% | 2,053 |
| Efficiency ratio | 66.2402% | 3,555 |
| Assets per employee ($millions) | 3.9559% | 4,044 |
| Cash dividends to net income (ytd only)* | 27.0863% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 3,136 |
| Loan loss allowance to noncurrent loans | 564.7059% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 4,300 |
| Noncurrent loans to loans | 0.2154% | 4,498 |
| Net loans and leases to total assets | 53.7500% | 4,515 |
| Net loans and leases to deposits | 60.7594% | 4,701 |
| Net loans and leases to core deposits | 64.2223% | 4,719 |
| Total domestic deposits to total assets | 88.4637% | 1,164 |
| Equity capital to assets | 11.2819% | 2,720 |
| Core capital (leverage) ratio | 10.1002% | 3,443 |
| Tier 1 risk-based capital ratio | 15.1392% | 2,978 |
| Total risk-based capital ratio | 16.1103% | 3,049 |
| Memoranda: | ||
| Average total assets | $132,194,000 | 3,817 |
| Average earning assets | $122,353,750 | 3,810 |
| Average equity | $13,918,000 | 3,985 |
| Average total loans | $72,135,250 | 4,017 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,154 |
| Cost of funding earning assets | 0.3167% | 3,945 |
| Net interest margin | 3.9839% | 1,689 |
| Noninterest income to average assets | 0.4083% | 3,813 |
| Noninterest expense to average assets | 2.7045% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3997% | 1,058 |
| Return on assets (ROA) | 1.4087% | 1,102 |
| Pretax return on assets | 1.4087% | 1,990 |
| Return on Equity (ROE) | 13.7016% | 883 |
| Retained earnings to average equity (ytd only) | 10.0381% | 590 |
| Net charge-offs to loans | 0.2234% | 1,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.4691% | 2,258 |
| Efficiency ratio | 65.8957% | 3,694 |
| Assets per employee ($millions) | 3.5198% | 4,720 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,681 |
| Loan loss allowance to noncurrent loans | 403.8835% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 4,143 |
| Noncurrent loans to loans | 0.2838% | 4,357 |
| Net loans and leases to total assets | 53.6463% | 4,542 |
| Net loans and leases to deposits | 60.2541% | 4,780 |
| Net loans and leases to core deposits | 63.4354% | 4,785 |
| Total domestic deposits to total assets | 89.0334% | 902 |
| Equity capital to assets | 10.7669% | 3,321 |
| Core capital (leverage) ratio | 9.6311% | 4,025 |
| Tier 1 risk-based capital ratio | 14.4977% | 3,320 |
| Total risk-based capital ratio | 15.4144% | 3,432 |
| Memoranda: | ||
| Average total assets | $132,743,670 | 3,832 |
| Average earning assets | $123,145,000 | 3,821 |
| Average equity | $13,648,000 | 4,046 |
| Average total loans | $72,503,000 | 4,028 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 2,140 |
| Cost of funding earning assets | 0.3160% | 3,997 |
| Net interest margin | 3.9843% | 1,662 |
| Noninterest income to average assets | 0.4114% | 3,738 |
| Noninterest expense to average assets | 2.7768% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3339% | 1,175 |
| Return on assets (ROA) | 1.3279% | 1,273 |
| Pretax return on assets | 1.3279% | 2,195 |
| Return on Equity (ROE) | 13.2314% | 988 |
| Retained earnings to average equity (ytd only) | 9.4639% | 983 |
| Net charge-offs to loans | 0.0221% | 2,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 110.2500% | 504 |
| Efficiency ratio | 67.5497% | 3,535 |
| Assets per employee ($millions) | 3.4229% | 4,925 |
| Cash dividends to net income (ytd only)* | 28.4738% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 2,993 |
| Loan loss allowance to noncurrent loans | 227.2500% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 3,668 |
| Noncurrent loans to loans | 0.5644% | 3,495 |
| Net loans and leases to total assets | 52.4046% | 4,593 |
| Net loans and leases to deposits | 58.4553% | 4,826 |
| Net loans and leases to core deposits | 61.5288% | 4,838 |
| Total domestic deposits to total assets | 89.6490% | 760 |
| Equity capital to assets | 10.1930% | 3,849 |
| Core capital (leverage) ratio | 9.5386% | 4,119 |
| Tier 1 risk-based capital ratio | 14.0973% | 3,619 |
| Total risk-based capital ratio | 15.0995% | 3,723 |
| Memoranda: | ||
| Average total assets | $132,239,500 | 3,878 |
| Average earning assets | $122,782,500 | 3,853 |
| Average equity | $13,271,500 | 4,120 |
| Average total loans | $72,462,000 | 4,056 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 2,507 |
| Cost of funding earning assets | 0.3036% | 4,205 |
| Net interest margin | 3.9125% | 1,986 |
| Noninterest income to average assets | 0.4395% | 3,751 |
| Noninterest expense to average assets | 2.7971% | 3,241 |
| Loan and lease loss provision to assets | 0.0092% | 4,218 |
| Net operating income to assets | 1.2315% | 1,446 |
| Return on assets (ROA) | 1.2574% | 1,421 |
| Pretax return on assets | 1.2574% | 2,444 |
| Return on Equity (ROE) | 12.7328% | 1,115 |
| Retained earnings to average equity (ytd only) | 1.5684% | 4,827 |
| Net charge-offs to loans | -0.2989% | 6,016 |
| Credit loss provision to net charge-offs | -5.7971% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2744% | 3,349 |
| Assets per employee ($millions) | 3.1948% | 5,301 |
| Cash dividends to net income (ytd only)* | 87.6820% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 3,282 |
| Loan loss allowance to noncurrent loans | 251.5152% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 3,753 |
| Noncurrent loans to loans | 0.4902% | 3,734 |
| Net loans and leases to total assets | 55.8423% | 4,307 |
| Net loans and leases to deposits | 62.9762% | 4,544 |
| Net loans and leases to core deposits | 66.1778% | 4,577 |
| Total domestic deposits to total assets | 88.6720% | 1,297 |
| Equity capital to assets | 9.8759% | 4,105 |
| Core capital (leverage) ratio | 9.3299% | 4,431 |
| Tier 1 risk-based capital ratio | 14.3602% | 3,515 |
| Total risk-based capital ratio | 15.4114% | 3,545 |
| Memoranda: | ||
| Average total assets | $131,062,000 | 3,870 |
| Average earning assets | $120,538,200 | 3,871 |
| Average equity | $12,943,000 | 4,154 |
| Average total loans | $69,253,400 | 4,113 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 2,795 |
| Cost of funding earning assets | 0.2936% | 4,410 |
| Net interest margin | 3.8418% | 2,233 |
| Noninterest income to average assets | 0.4414% | 3,780 |
| Noninterest expense to average assets | 2.8053% | 3,165 |
| Loan and lease loss provision to assets | 0.0122% | 4,027 |
| Net operating income to assets | 1.1504% | 1,829 |
| Return on assets (ROA) | 1.1830% | 1,778 |
| Pretax return on assets | 1.1830% | 2,879 |
| Return on Equity (ROE) | 11.9788% | 1,384 |
| Retained earnings to average equity (ytd only) | 4.5114% | 3,261 |
| Net charge-offs to loans | -0.4369% | 6,139 |
| Credit loss provision to net charge-offs | -5.3812% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6998% | 3,095 |
| Assets per employee ($millions) | 3.2500% | 5,218 |
| Cash dividends to net income (ytd only)* | 62.3385% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 3,223 |
| Loan loss allowance to noncurrent loans | 159.0753% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5959% | 3,487 |
| Noncurrent loans to loans | 0.8027% | 2,959 |
| Net loans and leases to total assets | 53.9051% | 4,577 |
| Net loans and leases to deposits | 61.4876% | 4,759 |
| Net loans and leases to core deposits | 64.0144% | 4,817 |
| Total domestic deposits to total assets | 87.6682% | 1,715 |
| Equity capital to assets | 9.8995% | 4,286 |
| Core capital (leverage) ratio | 9.7105% | 4,019 |
| Tier 1 risk-based capital ratio | 15.2693% | 3,157 |
| Total risk-based capital ratio | 16.3855% | 3,161 |
| Memoranda: | ||
| Average total assets | $131,081,250 | 3,911 |
| Average earning assets | $120,323,250 | 3,915 |
| Average equity | $12,944,750 | 4,190 |
| Average total loans | $68,052,250 | 4,178 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,353 |
| Cost of funding earning assets | 0.2880% | 4,527 |
| Net interest margin | 3.6983% | 2,719 |
| Noninterest income to average assets | 0.4311% | 3,845 |
| Noninterest expense to average assets | 2.8184% | 3,167 |
| Loan and lease loss provision to assets | 0.0184% | 3,758 |
| Net operating income to assets | 0.9834% | 2,487 |
| Return on assets (ROA) | 0.9834% | 2,596 |
| Pretax return on assets | 0.9834% | 3,653 |
| Return on Equity (ROE) | 9.9668% | 2,083 |
| Retained earnings to average equity (ytd only) | -0.1399% | 5,533 |
| Net charge-offs to loans | -0.7099% | 6,234 |
| Credit loss provision to net charge-offs | -5.0847% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7751% | 2,709 |
| Assets per employee ($millions) | 2.8323% | 5,786 |
| Cash dividends to net income (ytd only)* | 101.4041% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,899 |
| Loan loss allowance to noncurrent loans | 239.6947% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 3,913 |
| Noncurrent loans to loans | 0.5709% | 3,738 |
| Net loans and leases to total assets | 52.1157% | 4,743 |
| Net loans and leases to deposits | 57.8596% | 5,004 |
| Net loans and leases to core deposits | 60.2255% | 5,062 |
| Total domestic deposits to total assets | 90.0727% | 629 |
| Equity capital to assets | 9.6924% | 4,408 |
| Core capital (leverage) ratio | 9.0210% | 4,941 |
| Tier 1 risk-based capital ratio | 15.4629% | 3,120 |
| Total risk-based capital ratio | 16.6509% | 3,097 |
| Memoranda: | ||
| Average total assets | $130,358,670 | 3,956 |
| Average earning assets | $119,461,000 | 3,960 |
| Average equity | $12,862,670 | 4,230 |
| Average total loans | $66,484,000 | 4,254 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8896% | 3,664 |
| Cost of funding earning assets | 0.2766% | 4,706 |
| Net interest margin | 3.6130% | 2,952 |
| Noninterest income to average assets | 0.4172% | 3,864 |
| Noninterest expense to average assets | 2.6903% | 3,620 |
| Loan and lease loss provision to assets | 0.0368% | 3,163 |
| Net operating income to assets | 0.9755% | 2,364 |
| Return on assets (ROA) | 0.9755% | 2,498 |
| Pretax return on assets | 0.9755% | 3,581 |
| Return on Equity (ROE) | 9.7997% | 2,097 |
| Retained earnings to average equity (ytd only) | -5.6086% | 5,973 |
| Net charge-offs to loans | -0.8820% | 6,308 |
| Credit loss provision to net charge-offs | -8.3333% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6595% | 3,060 |
| Assets per employee ($millions) | 3.3675% | 5,140 |
| Cash dividends to net income (ytd only)* | 157.2327% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 3,250 |
| Loan loss allowance to noncurrent loans | 166.0156% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 3,627 |
| Noncurrent loans to loans | 0.8003% | 3,240 |
| Net loans and leases to total assets | 45.7202% | 5,217 |
| Net loans and leases to deposits | 50.5275% | 5,422 |
| Net loans and leases to core deposits | 52.4630% | 5,457 |
| Total domestic deposits to total assets | 90.4857% | 533 |
| Equity capital to assets | 9.3499% | 4,907 |
| Core capital (leverage) ratio | 9.2714% | 4,624 |
| Tier 1 risk-based capital ratio | 15.8485% | 2,991 |
| Total risk-based capital ratio | 16.9630% | 2,991 |
| Memoranda: | ||
| Average total assets | $130,394,500 | 3,983 |
| Average earning assets | $118,572,000 | 4,004 |
| Average equity | $12,980,000 | 4,239 |
| Average total loans | $65,305,000 | 4,317 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 2,478 |
| Cost of funding earning assets | 0.2837% | 4,969 |
| Net interest margin | 4.0506% | 1,735 |
| Noninterest income to average assets | 0.5177% | 3,374 |
| Noninterest expense to average assets | 2.8610% | 3,262 |
| Loan and lease loss provision to assets | 0.0422% | 3,732 |
| Net operating income to assets | 1.2623% | 1,398 |
| Return on assets (ROA) | 1.2682% | 1,430 |
| Pretax return on assets | 1.2682% | 2,356 |
| Return on Equity (ROE) | 13.0070% | 1,135 |
| Retained earnings to average equity (ytd only) | 11.2341% | 357 |
| Net charge-offs to loans | 0.1925% | 2,126 |
| Credit loss provision to net charge-offs | 41.6667% | 3,643 |
| Earnings coverage of net charge-offs (x) | 12.8917% | 2,330 |
| Efficiency ratio | 68.6842% | 3,771 |
| Assets per employee ($millions) | 2.8540% | 5,885 |
| Cash dividends to net income (ytd only)* | 13.6303% | 4,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 4,847 |
| Loan loss allowance to noncurrent loans | 126.6423% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 3,391 |
| Noncurrent loans to loans | 0.8224% | 3,258 |
| Net loans and leases to total assets | 53.7324% | 4,609 |
| Net loans and leases to deposits | 60.2265% | 4,886 |
| Net loans and leases to core deposits | 62.7207% | 4,944 |
| Total domestic deposits to total assets | 89.2172% | 1,110 |
| Equity capital to assets | 10.6345% | 3,318 |
| Core capital (leverage) ratio | 9.9744% | 3,604 |
| Tier 1 risk-based capital ratio | 15.7502% | 3,098 |
| Total risk-based capital ratio | 16.6410% | 3,224 |
| Memoranda: | ||
| Average total assets | $118,593,200 | 4,212 |
| Average earning assets | $106,799,200 | 4,250 |
| Average equity | $11,563,000 | 4,443 |
| Average total loans | $62,337,000 | 4,418 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,627 |
| Cost of funding earning assets | 0.2793% | 5,102 |
| Net interest margin | 4.0227% | 1,814 |
| Noninterest income to average assets | 0.5251% | 3,364 |
| Noninterest expense to average assets | 2.6199% | 4,129 |
| Loan and lease loss provision to assets | 0.0227% | 3,952 |
| Net operating income to assets | 1.5084% | 924 |
| Return on assets (ROA) | 1.5163% | 944 |
| Pretax return on assets | 1.5163% | 1,594 |
| Return on Equity (ROE) | 15.9291% | 682 |
| Retained earnings to average equity (ytd only) | 14.3207% | 233 |
| Net charge-offs to loans | 0.0697% | 3,204 |
| Credit loss provision to net charge-offs | 62.5000% | 2,896 |
| Earnings coverage of net charge-offs (x) | 42.1833% | 1,090 |
| Efficiency ratio | 63.1148% | 4,699 |
| Assets per employee ($millions) | 2.9265% | 5,816 |
| Cash dividends to net income (ytd only)* | 10.0975% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 4,392 |
| Loan loss allowance to noncurrent loans | 92.7250% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 3,030 |
| Noncurrent loans to loans | 1.2600% | 2,537 |
| Net loans and leases to total assets | 53.0157% | 4,695 |
| Net loans and leases to deposits | 61.5668% | 4,788 |
| Net loans and leases to core deposits | 64.1793% | 4,864 |
| Total domestic deposits to total assets | 86.1110% | 2,798 |
| Equity capital to assets | 10.3603% | 3,725 |
| Core capital (leverage) ratio | 9.7344% | 4,020 |
| Tier 1 risk-based capital ratio | 16.1433% | 2,990 |
| Total risk-based capital ratio | 17.1405% | 3,054 |
| Memoranda: | ||
| Average total assets | $117,560,750 | 4,269 |
| Average earning assets | $105,962,500 | 4,306 |
| Average equity | $11,191,000 | 4,553 |
| Average total loans | $61,262,250 | 4,487 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,615 |
| Cost of funding earning assets | 0.2837% | 5,145 |
| Net interest margin | 4.0063% | 1,787 |
| Noninterest income to average assets | 0.5961% | 2,836 |
| Noninterest expense to average assets | 2.6432% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5571% | 781 |
| Return on assets (ROA) | 1.5589% | 811 |
| Pretax return on assets | 1.5589% | 1,366 |
| Return on Equity (ROE) | 16.8868% | 567 |
| Retained earnings to average equity (ytd only) | 14.9383% | 220 |
| Net charge-offs to loans | 0.1096% | 2,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 27.5455% | 1,339 |
| Efficiency ratio | 62.9282% | 4,867 |
| Assets per employee ($millions) | 3.0639% | 5,662 |
| Cash dividends to net income (ytd only)* | 11.5385% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 4,620 |
| Loan loss allowance to noncurrent loans | 159.6070% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 3,904 |
| Noncurrent loans to loans | 0.7268% | 3,881 |
| Net loans and leases to total assets | 52.1277% | 4,734 |
| Net loans and leases to deposits | 60.8749% | 4,796 |
| Net loans and leases to core deposits | 63.4844% | 4,861 |
| Total domestic deposits to total assets | 85.6310% | 3,225 |
| Equity capital to assets | 9.9161% | 4,225 |
| Core capital (leverage) ratio | 9.6986% | 4,044 |
| Tier 1 risk-based capital ratio | 15.8944% | 3,148 |
| Total risk-based capital ratio | 16.8810% | 3,223 |
| Memoranda: | ||
| Average total assets | $116,752,000 | 4,310 |
| Average earning assets | $105,035,330 | 4,349 |
| Average equity | $10,777,670 | 4,656 |
| Average total loans | $60,228,330 | 4,543 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,818 |
| Cost of funding earning assets | 0.2869% | 5,201 |
| Net interest margin | 3.9279% | 1,985 |
| Noninterest income to average assets | 0.3363% | 4,686 |
| Noninterest expense to average assets | 2.6278% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2203% | 1,422 |
| Return on assets (ROA) | 1.2203% | 1,477 |
| Pretax return on assets | 1.2203% | 2,388 |
| Return on Equity (ROE) | 13.7473% | 990 |
| Retained earnings to average equity (ytd only) | 10.8182% | 779 |
| Net charge-offs to loans | 0.1972% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.1379% | 1,736 |
| Efficiency ratio | 68.2883% | 4,135 |
| Assets per employee ($millions) | 2.8861% | 5,990 |
| Cash dividends to net income (ytd only)* | 21.3068% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 4,414 |
| Loan loss allowance to noncurrent loans | 56.4083% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.6707% | 2,114 |
| Noncurrent loans to loans | 2.2054% | 1,648 |
| Net loans and leases to total assets | 49.3070% | 4,970 |
| Net loans and leases to deposits | 54.4816% | 5,237 |
| Net loans and leases to core deposits | 56.9858% | 5,283 |
| Total domestic deposits to total assets | 90.5021% | 799 |
| Equity capital to assets | 8.8252% | 5,301 |
| Core capital (leverage) ratio | 9.6274% | 4,098 |
| Tier 1 risk-based capital ratio | 15.4597% | 3,464 |
| Total risk-based capital ratio | 16.4699% | 3,553 |
| Memoranda: | ||
| Average total assets | $115,381,500 | 4,381 |
| Average earning assets | $103,159,000 | 4,424 |
| Average equity | $10,242,000 | 4,769 |
| Average total loans | $58,832,500 | 4,626 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 1,940 |
| Cost of funding earning assets | 0.3181% | 5,441 |
| Net interest margin | 4.2591% | 1,195 |
| Noninterest income to average assets | 0.4247% | 4,268 |
| Noninterest expense to average assets | 3.0043% | 3,045 |
| Loan and lease loss provision to assets | 0.0833% | 3,454 |
| Net operating income to assets | 1.1316% | 1,827 |
| Return on assets (ROA) | 1.1436% | 1,847 |
| Pretax return on assets | 1.1279% | 2,856 |
| Return on Equity (ROE) | 11.8896% | 1,454 |
| Retained earnings to average equity (ytd only) | 10.0139% | 560 |
| Net charge-offs to loans | 0.1663% | 3,149 |
| Credit loss provision to net charge-offs | 95.7447% | 2,611 |
| Earnings coverage of net charge-offs (x) | 13.7872% | 1,991 |
| Efficiency ratio | 71.4726% | 3,573 |
| Assets per employee ($millions) | 2.6147% | 6,302 |
| Cash dividends to net income (ytd only)* | 15.7767% | 3,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,125 |
| Loan loss allowance to noncurrent loans | 165.7267% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 3,537 |
| Noncurrent loans to loans | 0.7869% | 4,007 |
| Net loans and leases to total assets | 51.4271% | 4,925 |
| Net loans and leases to deposits | 56.9195% | 5,219 |
| Net loans and leases to core deposits | 59.9911% | 5,219 |
| Total domestic deposits to total assets | 90.3505% | 903 |
| Equity capital to assets | 8.9308% | 5,117 |
| Core capital (leverage) ratio | 9.7212% | 3,958 |
| Tier 1 risk-based capital ratio | 15.4124% | 3,426 |
| Total risk-based capital ratio | 16.4857% | 3,471 |
| Memoranda: | ||
| Average total assets | $108,079,200 | 4,546 |
| Average earning assets | $95,887,800 | 4,620 |
| Average equity | $10,395,600 | 4,761 |
| Average total loans | $56,510,000 | 4,732 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,977 |
| Cost of funding earning assets | 0.3252% | 5,505 |
| Net interest margin | 4.2448% | 1,211 |
| Noninterest income to average assets | 0.4436% | 4,200 |
| Noninterest expense to average assets | 2.9310% | 3,206 |
| Loan and lease loss provision to assets | 0.0361% | 4,294 |
| Net operating income to assets | 1.2711% | 1,430 |
| Return on assets (ROA) | 1.2836% | 1,459 |
| Pretax return on assets | 1.2624% | 2,470 |
| Return on Equity (ROE) | 13.0987% | 1,214 |
| Retained earnings to average equity (ytd only) | 11.5726% | 491 |
| Net charge-offs to loans | 0.3000% | 2,035 |
| Credit loss provision to net charge-offs | 23.0159% | 4,019 |
| Earnings coverage of net charge-offs (x) | 8.1903% | 2,666 |
| Efficiency ratio | 69.5035% | 3,836 |
| Assets per employee ($millions) | 2.5834% | 6,401 |
| Cash dividends to net income (ytd only)* | 11.6508% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,139 |
| Loan loss allowance to noncurrent loans | 67.0330% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 2,953 |
| Noncurrent loans to loans | 1.7077% | 2,634 |
| Net loans and leases to total assets | 53.4036% | 4,699 |
| Net loans and leases to deposits | 59.2861% | 5,059 |
| Net loans and leases to core deposits | 62.5499% | 5,059 |
| Total domestic deposits to total assets | 90.0778% | 952 |
| Equity capital to assets | 9.1020% | 5,057 |
| Core capital (leverage) ratio | 9.6649% | 4,150 |
| Tier 1 risk-based capital ratio | 15.3055% | 3,563 |
| Total risk-based capital ratio | 16.2544% | 3,700 |
| Memoranda: | ||
| Average total assets | $106,991,250 | 4,618 |
| Average earning assets | $95,110,500 | 4,688 |
| Average equity | $10,484,250 | 4,797 |
| Average total loans | $55,991,500 | 4,791 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5110% | 2,162 |
| Cost of funding earning assets | 0.3338% | 5,534 |
| Net interest margin | 4.1772% | 1,339 |
| Noninterest income to average assets | 0.4038% | 4,496 |
| Noninterest expense to average assets | 2.9600% | 3,126 |
| Loan and lease loss provision to assets | 0.0413% | 4,128 |
| Net operating income to assets | 1.0193% | 2,246 |
| Return on assets (ROA) | 1.0367% | 2,286 |
| Pretax return on assets | 1.1119% | 3,047 |
| Return on Equity (ROE) | 10.3303% | 2,073 |
| Retained earnings to average equity (ytd only) | 10.3303% | 776 |
| Net charge-offs to loans | 0.4935% | 1,325 |
| Credit loss provision to net charge-offs | 16.1765% | 3,809 |
| Earnings coverage of net charge-offs (x) | 4.4412% | 3,130 |
| Efficiency ratio | 72.2936% | 3,420 |
| Assets per employee ($millions) | 2.4809% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 5,207 |
| Loan loss allowance to noncurrent loans | 68.4817% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 3,109 |
| Noncurrent loans to loans | 1.6892% | 2,781 |
| Net loans and leases to total assets | 51.1923% | 4,973 |
| Net loans and leases to deposits | 57.1683% | 5,230 |
| Net loans and leases to core deposits | 60.3152% | 5,237 |
| Total domestic deposits to total assets | 89.5466% | 1,298 |
| Equity capital to assets | 9.5648% | 4,496 |
| Core capital (leverage) ratio | 9.4069% | 4,381 |
| Tier 1 risk-based capital ratio | 15.3055% | 3,594 |
| Total risk-based capital ratio | 16.2605% | 3,737 |
| Memoranda: | ||
| Average total assets | $106,487,000 | 4,656 |
| Average earning assets | $94,081,330 | 4,755 |
| Average equity | $10,687,000 | 4,794 |
| Average total loans | $55,116,670 | 4,852 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5470% | 2,000 |
| Cost of funding earning assets | 0.3437% | 5,606 |
| Net interest margin | 4.2033% | 1,173 |
| Noninterest income to average assets | 0.4032% | 4,433 |
| Noninterest expense to average assets | 2.8797% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1189% | 1,784 |
| Return on assets (ROA) | 1.1260% | 1,877 |
| Pretax return on assets | 1.2059% | 2,546 |
| Return on Equity (ROE) | 10.9528% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.9528% | 889 |
| Net charge-offs to loans | 0.0221% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 363 |
| Efficiency ratio | 70.6157% | 3,869 |
| Assets per employee ($millions) | 2.5254% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 4,103 |
| Loan loss allowance to noncurrent loans | 72.0339% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 2,758 |
| Noncurrent loans to loans | 1.9810% | 2,638 |
| Net loans and leases to total assets | 49.8199% | 5,017 |
| Net loans and leases to deposits | 56.0657% | 5,233 |
| Net loans and leases to core deposits | 59.2736% | 5,218 |
| Total domestic deposits to total assets | 88.8600% | 1,759 |
| Equity capital to assets | 10.2500% | 3,857 |
| Core capital (leverage) ratio | 9.0468% | 4,812 |
| Tier 1 risk-based capital ratio | 15.7828% | 3,384 |
| Total risk-based capital ratio | 16.9635% | 3,379 |
| Memoranda: | ||
| Average total assets | $105,150,000 | 4,740 |
| Average earning assets | $91,928,000 | 4,845 |
| Average equity | $10,810,000 | 4,806 |
| Average total loans | $54,407,000 | 4,905 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 1,813 |
| Cost of funding earning assets | 0.4478% | 5,596 |
| Net interest margin | 4.4615% | 1,020 |
| Noninterest income to average assets | 0.5103% | 3,832 |
| Noninterest expense to average assets | 3.0738% | 3,003 |
| Loan and lease loss provision to assets | 0.4686% | 1,328 |
| Net operating income to assets | 0.7726% | 3,403 |
| Return on assets (ROA) | 0.9462% | 2,823 |
| Pretax return on assets | 1.0127% | 3,508 |
| Return on Equity (ROE) | 9.3406% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.7427% | 898 |
| Net charge-offs to loans | 1.7897% | 456 |
| Credit loss provision to net charge-offs | 45.4283% | 4,802 |
| Earnings coverage of net charge-offs (x) | 1.2551% | 4,834 |
| Efficiency ratio | 70.3636% | 3,743 |
| Assets per employee ($millions) | 2.4817% | 6,635 |
| Cash dividends to net income (ytd only)* | 6.4008% | 4,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,211 |
| Loan loss allowance to noncurrent loans | 75.3680% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.8094% | 2,703 |
| Noncurrent loans to loans | 1.8458% | 2,866 |
| Net loans and leases to total assets | 52.2277% | 4,896 |
| Net loans and leases to deposits | 58.8131% | 5,152 |
| Net loans and leases to core deposits | 62.2213% | 5,131 |
| Total domestic deposits to total assets | 88.8029% | 1,699 |
| Equity capital to assets | 10.3116% | 3,743 |
| Core capital (leverage) ratio | 9.3099% | 4,402 |
| Tier 1 risk-based capital ratio | 15.1826% | 3,622 |
| Total risk-based capital ratio | 16.3568% | 3,610 |
| Memoranda: | ||
| Average total assets | $100,723,200 | 4,818 |
| Average earning assets | $87,100,000 | 4,935 |
| Average equity | $10,202,800 | 4,935 |
| Average total loans | $58,053,600 | 4,794 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9840% | 1,729 |
| Cost of funding earning assets | 0.4739% | 5,600 |
| Net interest margin | 4.5101% | 971 |
| Noninterest income to average assets | 0.5248% | 3,774 |
| Noninterest expense to average assets | 3.1261% | 2,806 |
| Loan and lease loss provision to assets | 0.5969% | 930 |
| Net operating income to assets | 0.6459% | 4,166 |
| Return on assets (ROA) | 0.7825% | 3,784 |
| Pretax return on assets | 0.8373% | 4,349 |
| Return on Equity (ROE) | 7.7615% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.7615% | 1,720 |
| Net charge-offs to loans | 1.5859% | 530 |
| Credit loss provision to net charge-offs | 63.9485% | 4,052 |
| Earnings coverage of net charge-offs (x) | 1.3791% | 4,607 |
| Efficiency ratio | 70.8321% | 3,527 |
| Assets per employee ($millions) | 2.3293% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8845% | 2,532 |
| Loan loss allowance to noncurrent loans | 56.8206% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5619% | 2,059 |
| Noncurrent loans to loans | 3.3166% | 1,655 |
| Net loans and leases to total assets | 56.2959% | 4,400 |
| Net loans and leases to deposits | 63.5722% | 4,769 |
| Net loans and leases to core deposits | 67.6683% | 4,759 |
| Total domestic deposits to total assets | 88.5543% | 1,690 |
| Equity capital to assets | 10.4722% | 3,878 |
| Core capital (leverage) ratio | 9.3651% | 4,480 |
| Tier 1 risk-based capital ratio | 14.9443% | 3,885 |
| Total risk-based capital ratio | 16.1990% | 3,839 |
| Memoranda: | ||
| Average total assets | $99,846,000 | 4,882 |
| Average earning assets | $86,086,250 | 5,014 |
| Average equity | $10,066,500 | 5,011 |
| Average total loans | $58,765,500 | 4,809 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 2,284 |
| Cost of funding earning assets | 0.5052% | 5,583 |
| Net interest margin | 4.3510% | 1,336 |
| Noninterest income to average assets | 0.5414% | 3,645 |
| Noninterest expense to average assets | 3.1381% | 2,785 |
| Loan and lease loss provision to assets | 0.8241% | 594 |
| Net operating income to assets | 0.3049% | 5,598 |
| Return on assets (ROA) | 0.4131% | 5,401 |
| Pretax return on assets | 0.4431% | 5,590 |
| Return on Equity (ROE) | 4.1509% | 5,196 |
| Retained earnings to average equity (ytd only) | 4.1509% | 3,845 |
| Net charge-offs to loans | 2.2737% | 329 |
| Credit loss provision to net charge-offs | 61.0698% | 3,770 |
| Earnings coverage of net charge-offs (x) | 0.8529% | 4,631 |
| Efficiency ratio | 73.1650% | 3,214 |
| Assets per employee ($millions) | 2.2619% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 2,781 |
| Loan loss allowance to noncurrent loans | 40.0822% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 3.3560% | 1,603 |
| Noncurrent loans to loans | 4.5416% | 1,160 |
| Net loans and leases to total assets | 58.1484% | 4,133 |
| Net loans and leases to deposits | 65.3459% | 4,595 |
| Net loans and leases to core deposits | 69.5607% | 4,585 |
| Total domestic deposits to total assets | 88.9855% | 1,512 |
| Equity capital to assets | 10.0861% | 4,209 |
| Core capital (leverage) ratio | 8.7840% | 5,240 |
| Tier 1 risk-based capital ratio | 14.2531% | 4,267 |
| Total risk-based capital ratio | 15.5082% | 4,225 |
| Memoranda: | ||
| Average total assets | $99,741,330 | 4,902 |
| Average earning assets | $85,911,670 | 5,049 |
| Average equity | $9,925,670 | 5,050 |
| Average total loans | $59,197,670 | 4,819 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 2,215 |
| Cost of funding earning assets | 0.5457% | 5,522 |
| Net interest margin | 4.3606% | 1,313 |
| Noninterest income to average assets | 0.6049% | 3,197 |
| Noninterest expense to average assets | 3.0846% | 2,971 |
| Loan and lease loss provision to assets | 0.5608% | 1,037 |
| Net operating income to assets | 0.6289% | 4,224 |
| Return on assets (ROA) | 0.6289% | 4,434 |
| Pretax return on assets | 0.6730% | 4,876 |
| Return on Equity (ROE) | 6.3630% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.3630% | 2,765 |
| Net charge-offs to loans | 0.5933% | 1,611 |
| Credit loss provision to net charge-offs | 159.0909% | 1,592 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,817 |
| Efficiency ratio | 71.4286% | 3,549 |
| Assets per employee ($millions) | 2.4231% | 6,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3593% | 1,577 |
| Loan loss allowance to noncurrent loans | 39.2918% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 4.3460% | 1,242 |
| Noncurrent loans to loans | 6.0046% | 839 |
| Net loans and leases to total assets | 56.4016% | 4,311 |
| Net loans and leases to deposits | 63.0905% | 4,756 |
| Net loans and leases to core deposits | 67.0455% | 4,792 |
| Total domestic deposits to total assets | 89.3979% | 1,424 |
| Equity capital to assets | 9.7188% | 4,494 |
| Core capital (leverage) ratio | 8.8260% | 5,100 |
| Tier 1 risk-based capital ratio | 13.7389% | 4,651 |
| Total risk-based capital ratio | 14.9984% | 4,633 |
| Memoranda: | ||
| Average total assets | $99,850,500 | 4,941 |
| Average earning assets | $85,035,000 | 5,113 |
| Average equity | $9,869,500 | 5,075 |
| Average total loans | $59,324,500 | 4,845 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 2,102 |
| Cost of funding earning assets | 0.6997% | 5,543 |
| Net interest margin | 4.4912% | 1,159 |
| Noninterest income to average assets | 0.4301% | 4,373 |
| Noninterest expense to average assets | 3.2457% | 2,704 |
| Loan and lease loss provision to assets | 0.7133% | 1,432 |
| Net operating income to assets | 0.3539% | 5,052 |
| Return on assets (ROA) | 0.3665% | 5,172 |
| Pretax return on assets | 0.3946% | 5,311 |
| Return on Equity (ROE) | 3.7780% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.7780% | 3,526 |
| Net charge-offs to loans | 1.2887% | 1,281 |
| Credit loss provision to net charge-offs | 87.8205% | 4,107 |
| Earnings coverage of net charge-offs (x) | 1.3474% | 4,762 |
| Efficiency ratio | 74.7841% | 3,090 |
| Assets per employee ($millions) | 2.3885% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2302% | 1,743 |
| Loan loss allowance to noncurrent loans | 54.3567% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 3.3351% | 1,778 |
| Noncurrent loans to loans | 4.1028% | 1,511 |
| Net loans and leases to total assets | 59.7637% | 4,033 |
| Net loans and leases to deposits | 67.3161% | 4,536 |
| Net loans and leases to core deposits | 71.7107% | 4,564 |
| Total domestic deposits to total assets | 88.7806% | 1,670 |
| Equity capital to assets | 10.0563% | 4,096 |
| Core capital (leverage) ratio | 9.1731% | 4,503 |
| Tier 1 risk-based capital ratio | 13.6913% | 4,564 |
| Total risk-based capital ratio | 14.9500% | 4,516 |
| Memoranda: | ||
| Average total assets | $96,035,200 | 5,010 |
| Average earning assets | $83,608,200 | 5,128 |
| Average equity | $9,317,200 | 5,204 |
| Average total loans | $60,525,200 | 4,844 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 2,166 |
| Cost of funding earning assets | 0.7381% | 5,538 |
| Net interest margin | 4.4732% | 1,208 |
| Noninterest income to average assets | 0.4437% | 4,341 |
| Noninterest expense to average assets | 3.2383% | 2,706 |
| Loan and lease loss provision to assets | 0.6809% | 1,423 |
| Net operating income to assets | 0.4080% | 4,961 |
| Return on assets (ROA) | 0.4158% | 5,117 |
| Pretax return on assets | 0.4479% | 5,321 |
| Return on Equity (ROE) | 4.3260% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.3260% | 3,651 |
| Net charge-offs to loans | 1.5422% | 929 |
| Credit loss provision to net charge-offs | 69.5157% | 4,499 |
| Earnings coverage of net charge-offs (x) | 1.1439% | 4,769 |
| Efficiency ratio | 74.2958% | 3,121 |
| Assets per employee ($millions) | 2.3017% | 7,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 2,292 |
| Loan loss allowance to noncurrent loans | 42.0470% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 3.7011% | 1,692 |
| Noncurrent loans to loans | 4.7920% | 1,343 |
| Net loans and leases to total assets | 61.1701% | 3,907 |
| Net loans and leases to deposits | 68.8361% | 4,468 |
| Net loans and leases to core deposits | 73.5684% | 4,516 |
| Total domestic deposits to total assets | 88.8635% | 1,509 |
| Equity capital to assets | 9.9945% | 4,350 |
| Core capital (leverage) ratio | 9.2799% | 4,484 |
| Tier 1 risk-based capital ratio | 13.2747% | 4,895 |
| Total risk-based capital ratio | 14.5320% | 4,866 |
| Memoranda: | ||
| Average total assets | $95,561,750 | 5,058 |
| Average earning assets | $83,637,500 | 5,170 |
| Average equity | $9,184,500 | 5,262 |
| Average total loans | $60,691,250 | 4,875 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 2,376 |
| Cost of funding earning assets | 0.7577% | 5,635 |
| Net interest margin | 4.4125% | 1,334 |
| Noninterest income to average assets | 0.4265% | 4,456 |
| Noninterest expense to average assets | 3.3280% | 2,465 |
| Loan and lease loss provision to assets | 0.7270% | 1,284 |
| Net operating income to assets | 0.2332% | 5,622 |
| Return on assets (ROA) | 0.2332% | 5,739 |
| Pretax return on assets | 0.2500% | 5,808 |
| Return on Equity (ROE) | 2.4597% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.4597% | 4,721 |
| Net charge-offs to loans | 1.6446% | 885 |
| Credit loss provision to net charge-offs | 69.2000% | 4,077 |
| Earnings coverage of net charge-offs (x) | 0.9300% | 4,605 |
| Efficiency ratio | 77.3060% | 2,809 |
| Assets per employee ($millions) | 2.4334% | 6,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 2,058 |
| Loan loss allowance to noncurrent loans | 51.6808% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.9815% | 2,247 |
| Noncurrent loans to loans | 4.1189% | 1,662 |
| Net loans and leases to total assets | 60.2739% | 4,223 |
| Net loans and leases to deposits | 67.4372% | 4,790 |
| Net loans and leases to core deposits | 72.0088% | 4,816 |
| Total domestic deposits to total assets | 89.3778% | 1,314 |
| Equity capital to assets | 9.4623% | 4,868 |
| Core capital (leverage) ratio | 8.8805% | 4,914 |
| Tier 1 risk-based capital ratio | 13.2161% | 4,755 |
| Total risk-based capital ratio | 14.4750% | 4,724 |
| Memoranda: | ||
| Average total assets | $95,191,330 | 5,098 |
| Average earning assets | $83,672,000 | 5,207 |
| Average equity | $9,025,330 | 5,320 |
| Average total loans | $60,804,670 | 4,920 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2009% | 2,216 |
| Cost of funding earning assets | 0.8451% | 5,303 |
| Net interest margin | 4.3558% | 1,408 |
| Noninterest income to average assets | 0.3315% | 5,249 |
| Noninterest expense to average assets | 3.1534% | 3,060 |
| Loan and lease loss provision to assets | 0.7225% | 1,171 |
| Net operating income to assets | 0.2677% | 5,546 |
| Return on assets (ROA) | 0.2677% | 5,607 |
| Pretax return on assets | 0.2890% | 5,689 |
| Return on Equity (ROE) | 2.8210% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.8210% | 4,478 |
| Net charge-offs to loans | 0.1960% | 3,328 |
| Credit loss provision to net charge-offs | 566.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 7.9333% | 1,879 |
| Efficiency ratio | 75.7143% | 3,203 |
| Assets per employee ($millions) | 2.5443% | 6,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6236% | 1,285 |
| Loan loss allowance to noncurrent loans | 70.4352% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 2.7533% | 2,510 |
| Noncurrent loans to loans | 3.7248% | 1,982 |
| Net loans and leases to total assets | 60.2699% | 4,214 |
| Net loans and leases to deposits | 67.2864% | 4,784 |
| Net loans and leases to core deposits | 73.4496% | 4,598 |
| Total domestic deposits to total assets | 89.5723% | 1,444 |
| Equity capital to assets | 9.3396% | 4,665 |
| Core capital (leverage) ratio | 9.0418% | 4,552 |
| Tier 1 risk-based capital ratio | 13.0513% | 4,789 |
| Total risk-based capital ratio | 14.3147% | 4,759 |
| Memoranda: | ||
| Average total assets | $94,120,000 | 5,167 |
| Average earning assets | $82,832,000 | 5,276 |
| Average equity | $8,933,000 | 5,352 |
| Average total loans | $61,235,500 | 4,949 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7424% | 1,432 |
| Cost of funding earning assets | 1.0044% | 5,663 |
| Net interest margin | 4.7380% | 750 |
| Noninterest income to average assets | 0.3860% | 5,011 |
| Noninterest expense to average assets | 3.2160% | 3,029 |
| Loan and lease loss provision to assets | 1.7961% | 771 |
| Net operating income to assets | -0.4089% | 6,322 |
| Return on assets (ROA) | -0.3322% | 6,278 |
| Pretax return on assets | -0.3564% | 6,208 |
| Return on Equity (ROE) | -3.5667% | 6,329 |
| Retained earnings to average equity (ytd only) | -3.5667% | 6,162 |
| Net charge-offs to loans | 2.1047% | 941 |
| Credit loss provision to net charge-offs | 122.8743% | 3,392 |
| Earnings coverage of net charge-offs (x) | 0.9285% | 5,179 |
| Efficiency ratio | 70.3223% | 4,108 |
| Assets per employee ($millions) | 2.2889% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2833% | 1,721 |
| Loan loss allowance to noncurrent loans | 85.8343% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 2.2882% | 2,979 |
| Noncurrent loans to loans | 2.6601% | 2,857 |
| Net loans and leases to total assets | 66.8440% | 3,261 |
| Net loans and leases to deposits | 75.0641% | 4,012 |
| Net loans and leases to core deposits | 82.4362% | 3,833 |
| Total domestic deposits to total assets | 89.0492% | 1,627 |
| Equity capital to assets | 9.6510% | 4,212 |
| Core capital (leverage) ratio | 9.2753% | 4,056 |
| Tier 1 risk-based capital ratio | 12.4743% | 5,042 |
| Total risk-based capital ratio | 13.7338% | 5,022 |
| Memoranda: | ||
| Average total assets | $90,921,200 | 5,260 |
| Average earning assets | $80,349,600 | 5,334 |
| Average equity | $8,467,200 | 5,560 |
| Average total loans | $63,144,200 | 4,946 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7696% | 1,484 |
| Cost of funding earning assets | 1.0416% | 5,734 |
| Net interest margin | 4.7280% | 787 |
| Noninterest income to average assets | 0.3379% | 5,458 |
| Noninterest expense to average assets | 3.0981% | 3,350 |
| Loan and lease loss provision to assets | 2.0492% | 578 |
| Net operating income to assets | -0.5845% | 6,653 |
| Return on assets (ROA) | -0.5244% | 6,662 |
| Pretax return on assets | -0.5641% | 6,596 |
| Return on Equity (ROE) | -5.6835% | 6,700 |
| Retained earnings to average equity (ytd only) | -5.6835% | 6,608 |
| Net charge-offs to loans | 2.6994% | 600 |
| Credit loss provision to net charge-offs | 108.8993% | 3,908 |
| Earnings coverage of net charge-offs (x) | 0.7549% | 5,306 |
| Efficiency ratio | 68.5631% | 4,362 |
| Assets per employee ($millions) | 2.2180% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,311 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5171% | 2,852 |
| Noncurrent loans to loans | 2.9452% | 2,709 |
| Net loans and leases to total assets | 68.0819% | 3,190 |
| Net loans and leases to deposits | 76.7894% | 4,039 |
| Net loans and leases to core deposits | 86.1902% | 3,621 |
| Total domestic deposits to total assets | 88.6605% | 1,586 |
| Equity capital to assets | 10.0683% | 4,069 |
| Core capital (leverage) ratio | 9.1803% | 4,402 |
| Tier 1 risk-based capital ratio | 12.4966% | 4,986 |
| Total risk-based capital ratio | 13.7532% | 4,955 |
| Memoranda: | ||
| Average total assets | $90,762,750 | 5,331 |
| Average earning assets | $80,258,250 | 5,398 |
| Average equity | $8,375,000 | 5,667 |
| Average total loans | $63,273,000 | 5,010 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6644% | 1,891 |
| Cost of funding earning assets | 1.0664% | 5,838 |
| Net interest margin | 4.5980% | 1,002 |
| Noninterest income to average assets | 0.2558% | 6,083 |
| Noninterest expense to average assets | 3.0671% | 3,439 |
| Loan and lease loss provision to assets | 2.6416% | 412 |
| Net operating income to assets | -1.2968% | 7,065 |
| Return on assets (ROA) | -1.2414% | 7,065 |
| Pretax return on assets | -1.3340% | 7,028 |
| Return on Equity (ROE) | -13.8761% | 7,105 |
| Retained earnings to average equity (ytd only) | -13.8761% | 7,066 |
| Net charge-offs to loans | 2.9852% | 532 |
| Credit loss provision to net charge-offs | 126.7725% | 3,179 |
| Earnings coverage of net charge-offs (x) | 0.5989% | 5,137 |
| Efficiency ratio | 71.0782% | 3,973 |
| Assets per employee ($millions) | 2.0885% | 7,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 1,840 |
| Loan loss allowance to noncurrent loans | 62.7960% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.4164% | 2,974 |
| Noncurrent loans to loans | 3.4423% | 2,309 |
| Net loans and leases to total assets | 66.4127% | 3,747 |
| Net loans and leases to deposits | 73.7272% | 4,720 |
| Net loans and leases to core deposits | 83.4773% | 4,214 |
| Total domestic deposits to total assets | 90.0790% | 888 |
| Equity capital to assets | 8.7070% | 5,874 |
| Core capital (leverage) ratio | 8.1259% | 6,074 |
| Tier 1 risk-based capital ratio | 11.2009% | 6,039 |
| Total risk-based capital ratio | 12.4598% | 6,014 |
| Memoranda: | ||
| Average total assets | $90,704,000 | 5,365 |
| Average earning assets | $80,079,000 | 5,438 |
| Average equity | $8,114,670 | 5,758 |
| Average total loans | $63,313,000 | 5,038 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5679% | 2,295 |
| Cost of funding earning assets | 1.1095% | 5,853 |
| Net interest margin | 4.4583% | 1,239 |
| Noninterest income to average assets | 0.0045% | 7,643 |
| Noninterest expense to average assets | 3.0405% | 3,523 |
| Loan and lease loss provision to assets | 4.6483% | 174 |
| Net operating income to assets | -3.4721% | 7,678 |
| Return on assets (ROA) | -3.3593% | 7,667 |
| Pretax return on assets | -3.6108% | 7,650 |
| Return on Equity (ROE) | -37.0274% | 7,634 |
| Retained earnings to average equity (ytd only) | -37.0274% | 7,616 |
| Net charge-offs to loans | 4.2681% | 306 |
| Credit loss provision to net charge-offs | 153.7890% | 2,333 |
| Earnings coverage of net charge-offs (x) | 0.3031% | 4,771 |
| Efficiency ratio | 76.8445% | 3,085 |
| Assets per employee ($millions) | 2.2574% | 7,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3652% | 1,467 |
| Loan loss allowance to noncurrent loans | 48.5165% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 3.4797% | 2,026 |
| Noncurrent loans to loans | 4.8751% | 1,496 |
| Net loans and leases to total assets | 68.0241% | 3,382 |
| Net loans and leases to deposits | 75.5854% | 4,480 |
| Net loans and leases to core deposits | 85.6703% | 3,949 |
| Total domestic deposits to total assets | 89.9962% | 987 |
| Equity capital to assets | 8.8099% | 5,535 |
| Core capital (leverage) ratio | 8.2797% | 5,778 |
| Tier 1 risk-based capital ratio | 10.8291% | 6,313 |
| Total risk-based capital ratio | 12.0902% | 6,285 |
| Memoranda: | ||
| Average total assets | $89,065,000 | 5,482 |
| Average earning assets | $78,953,000 | 5,546 |
| Average equity | $8,080,500 | 5,818 |
| Average total loans | $63,072,000 | 5,133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7993% | 2,652 |
| Cost of funding earning assets | 1.3697% | 6,056 |
| Net interest margin | 4.4296% | 1,346 |
| Noninterest income to average assets | 0.4971% | 4,439 |
| Noninterest expense to average assets | 3.4594% | 2,494 |
| Loan and lease loss provision to assets | 1.0341% | 2,210 |
| Net operating income to assets | -0.0301% | 5,547 |
| Return on assets (ROA) | 0.0341% | 5,435 |
| Pretax return on assets | 0.0376% | 5,352 |
| Return on Equity (ROE) | 0.3626% | 5,424 |
| Retained earnings to average equity (ytd only) | -0.0125% | 4,930 |
| Net charge-offs to loans | 0.4824% | 3,840 |
| Credit loss provision to net charge-offs | 313.1673% | 1,045 |
| Earnings coverage of net charge-offs (x) | 3.0320% | 3,560 |
| Efficiency ratio | 77.5553% | 3,260 |
| Assets per employee ($millions) | 2.3114% | 7,463 |
| Cash dividends to net income (ytd only)* | 103.4483% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 2,613 |
| Loan loss allowance to noncurrent loans | 33.2448% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 4.1704% | 1,566 |
| Noncurrent loans to loans | 5.3564% | 1,221 |
| Net loans and leases to total assets | 70.7095% | 3,076 |
| Net loans and leases to deposits | 80.2520% | 3,945 |
| Net loans and leases to core deposits | 90.8688% | 5,039 |
| Total domestic deposits to total assets | 88.1094% | 1,917 |
| Equity capital to assets | 9.3426% | 4,644 |
| Core capital (leverage) ratio | 8.8295% | 4,723 |
| Tier 1 risk-based capital ratio | 11.2850% | 5,626 |
| Total risk-based capital ratio | 12.5389% | 5,580 |
| Memoranda: | ||
| Average total assets | $85,101,400 | 5,557 |
| Average earning assets | $76,147,600 | 5,599 |
| Average equity | $7,997,200 | 5,927 |
| Average total loans | $58,255,400 | 5,328 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7546% | 3,084 |
| Cost of funding earning assets | 1.3981% | 6,243 |
| Net interest margin | 4.3564% | 1,574 |
| Noninterest income to average assets | 0.5338% | 4,206 |
| Noninterest expense to average assets | 3.5521% | 2,138 |
| Loan and lease loss provision to assets | 1.2572% | 1,532 |
| Net operating income to assets | -0.3424% | 6,257 |
| Return on assets (ROA) | -0.2543% | 6,153 |
| Pretax return on assets | -0.2732% | 6,071 |
| Return on Equity (ROE) | -2.7018% | 6,200 |
| Retained earnings to average equity (ytd only) | -3.2053% | 5,977 |
| Net charge-offs to loans | 0.6314% | 2,788 |
| Credit loss provision to net charge-offs | 294.8148% | 1,404 |
| Earnings coverage of net charge-offs (x) | 2.0852% | 4,258 |
| Efficiency ratio | 79.9787% | 2,846 |
| Assets per employee ($millions) | 2.2271% | 7,586 |
| Cash dividends to net income (ytd only)* | -18.6341% | 7,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 2,500 |
| Loan loss allowance to noncurrent loans | 35.6466% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 3.7798% | 1,714 |
| Noncurrent loans to loans | 4.8688% | 1,388 |
| Net loans and leases to total assets | 68.6412% | 3,812 |
| Net loans and leases to deposits | 77.8418% | 4,761 |
| Net loans and leases to core deposits | 89.3825% | 5,496 |
| Total domestic deposits to total assets | 88.1804% | 1,576 |
| Equity capital to assets | 9.2222% | 5,133 |
| Core capital (leverage) ratio | 8.8752% | 4,852 |
| Tier 1 risk-based capital ratio | 11.2325% | 5,709 |
| Total risk-based capital ratio | 12.4868% | 5,654 |
| Memoranda: | ||
| Average total assets | $84,418,250 | 5,607 |
| Average earning assets | $75,717,500 | 5,644 |
| Average equity | $7,945,000 | 6,002 |
| Average total loans | $57,011,000 | 5,431 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 3,371 |
| Cost of funding earning assets | 1.4483% | 6,326 |
| Net interest margin | 4.2863% | 1,685 |
| Noninterest income to average assets | 0.5358% | 4,143 |
| Noninterest expense to average assets | 3.5954% | 2,081 |
| Loan and lease loss provision to assets | 2.0884% | 766 |
| Net operating income to assets | -1.2128% | 7,117 |
| Return on assets (ROA) | -1.1171% | 7,066 |
| Pretax return on assets | -1.2009% | 6,942 |
| Return on Equity (ROE) | -11.7880% | 7,161 |
| Retained earnings to average equity (ytd only) | -12.5452% | 7,089 |
| Net charge-offs to loans | 0.1470% | 4,716 |
| Credit loss provision to net charge-offs | 2,129.2683% | 249 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,336 |
| Efficiency ratio | 82.0863% | 2,713 |
| Assets per employee ($millions) | 2.0055% | 7,850 |
| Cash dividends to net income (ytd only)* | -6.4240% | 7,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3527% | 1,038 |
| Loan loss allowance to noncurrent loans | 61.3821% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7033% | 2,375 |
| Noncurrent loans to loans | 3.8328% | 1,777 |
| Net loans and leases to total assets | 66.9647% | 4,362 |
| Net loans and leases to deposits | 75.2990% | 5,276 |
| Net loans and leases to core deposits | 85.7701% | 5,926 |
| Total domestic deposits to total assets | 88.9316% | 1,298 |
| Equity capital to assets | 9.0715% | 5,213 |
| Core capital (leverage) ratio | 8.5224% | 5,403 |
| Tier 1 risk-based capital ratio | 11.2198% | 5,668 |
| Total risk-based capital ratio | 12.4805% | 5,575 |
| Memoranda: | ||
| Average total assets | $83,605,670 | 5,679 |
| Average earning assets | $74,983,330 | 5,711 |
| Average equity | $7,923,330 | 6,050 |
| Average total loans | $55,790,670 | 5,515 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6574% | 4,011 |
| Cost of funding earning assets | 1.4761% | 6,479 |
| Net interest margin | 4.1813% | 1,970 |
| Noninterest income to average assets | 0.5042% | 4,289 |
| Noninterest expense to average assets | 3.2032% | 2,973 |
| Loan and lease loss provision to assets | 0.9365% | 1,387 |
| Net operating income to assets | 0.0960% | 5,990 |
| Return on assets (ROA) | 0.0960% | 6,156 |
| Pretax return on assets | 0.1057% | 6,157 |
| Return on Equity (ROE) | 0.9920% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.9920% | 5,247 |
| Net charge-offs to loans | 0.1460% | 3,798 |
| Credit loss provision to net charge-offs | 975.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 10.8500% | 1,909 |
| Efficiency ratio | 75.4525% | 3,573 |
| Assets per employee ($millions) | 2.0819% | 7,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 4,169 |
| Loan loss allowance to noncurrent loans | 34.9950% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 2.5950% | 2,206 |
| Noncurrent loans to loans | 3.6691% | 1,706 |
| Net loans and leases to total assets | 63.2297% | 5,118 |
| Net loans and leases to deposits | 71.3798% | 5,818 |
| Net loans and leases to core deposits | 79.9132% | 6,395 |
| Total domestic deposits to total assets | 88.5821% | 1,440 |
| Equity capital to assets | 9.4954% | 4,668 |
| Core capital (leverage) ratio | 9.3809% | 4,129 |
| Tier 1 risk-based capital ratio | 12.1578% | 4,821 |
| Total risk-based capital ratio | 13.2436% | 4,856 |
| Memoranda: | ||
| Average total assets | $83,293,000 | 5,694 |
| Average earning assets | $74,522,000 | 5,754 |
| Average equity | $8,064,500 | 6,035 |
| Average total loans | $54,804,000 | 5,599 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5552% | 2,695 |
| Cost of funding earning assets | 2.0079% | 6,389 |
| Net interest margin | 4.5473% | 1,318 |
| Noninterest income to average assets | 0.5722% | 4,066 |
| Noninterest expense to average assets | 3.4056% | 2,660 |
| Loan and lease loss provision to assets | 0.3158% | 3,855 |
| Net operating income to assets | 0.8675% | 3,140 |
| Return on assets (ROA) | 0.8749% | 2,962 |
| Pretax return on assets | 0.9409% | 3,583 |
| Return on Equity (ROE) | 8.5215% | 2,825 |
| Retained earnings to average equity (ytd only) | 6.2045% | 1,436 |
| Net charge-offs to loans | 0.3509% | 3,075 |
| Credit loss provision to net charge-offs | 132.7778% | 4,008 |
| Earnings coverage of net charge-offs (x) | 5.2500% | 3,715 |
| Efficiency ratio | 73.1687% | 3,717 |
| Assets per employee ($millions) | 2.0307% | 7,893 |
| Cash dividends to net income (ytd only)* | 27.1903% | 4,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,354 |
| Loan loss allowance to noncurrent loans | 47.8656% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 1.3554% | 3,494 |
| Noncurrent loans to loans | 2.0042% | 2,756 |
| Net loans and leases to total assets | 66.9810% | 4,643 |
| Net loans and leases to deposits | 76.7618% | 5,501 |
| Net loans and leases to core deposits | 85.2109% | 6,192 |
| Total domestic deposits to total assets | 87.2582% | 1,811 |
| Equity capital to assets | 9.8782% | 4,186 |
| Core capital (leverage) ratio | 9.7927% | 3,654 |
| Tier 1 risk-based capital ratio | 12.0050% | 4,820 |
| Total risk-based capital ratio | 12.8120% | 5,074 |
| Memoranda: | ||
| Average total assets | $75,669,200 | 5,851 |
| Average earning assets | $67,930,600 | 5,900 |
| Average equity | $7,768,600 | 6,181 |
| Average total loans | $51,298,000 | 5,655 |