Home > Unity Bank > Performance and Condition Ratios
Unity Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1022% | 1,161 |
| Cost of funding earning assets | 2.2058% | 1,728 |
| Net interest margin | 3.8963% | 1,361 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 3.1774% | 900 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.9735% | 2,147 |
| Return on assets (ROA) | 0.9738% | 2,136 |
| Pretax return on assets | 0.9796% | 2,581 |
| Return on Equity (ROE) | 10.2200% | 2,091 |
| Retained earnings to average equity (ytd only) | 4.8628% | 2,290 |
| Net charge-offs to loans | 0.4889% | 301 |
| Credit loss provision to net charge-offs | 13.3971% | 2,490 |
| Earnings coverage of net charge-offs (x) | 2.5813% | 2,811 |
| Efficiency ratio | 75.4036% | 1,423 |
| Assets per employee ($millions) | 5.0585% | 3,598 |
| Cash dividends to net income (ytd only)* | 52.4246% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 2,383 |
| Loan loss allowance to noncurrent loans | 28.0428% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 3.1969% | 70 |
| Noncurrent loans to loans | 4.1297% | 92 |
| Net loans and leases to total assets | 76.5200% | 1,068 |
| Net loans and leases to deposits | 89.8894% | 1,214 |
| Net loans and leases to core deposits | 101.3957% | 1,368 |
| Total domestic deposits to total assets | 85.1200% | 2,489 |
| Equity capital to assets | 9.6758% | 2,321 |
| Core capital (leverage) ratio | 9.6211% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9997% | 1,873 |
| Memoranda: | ||
| Average total assets | $626,809,600 | 1,480 |
| Average earning assets | $590,430,200 | 1,454 |
| Average equity | $59,718,800 | 1,498 |
| Average total loans | $512,987,000 | 1,269 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0351% | 1,207 |
| Cost of funding earning assets | 2.1858% | 1,771 |
| Net interest margin | 3.8493% | 1,385 |
| Noninterest income to average assets | 0.6300% | 1,368 |
| Noninterest expense to average assets | 3.1448% | 906 |
| Loan and lease loss provision to assets | 0.1000% | 1,278 |
| Net operating income to assets | 1.0046% | 2,039 |
| Return on assets (ROA) | 1.0033% | 2,049 |
| Pretax return on assets | 1.0095% | 2,520 |
| Return on Equity (ROE) | 10.5700% | 2,030 |
| Retained earnings to average equity (ytd only) | 5.6208% | 2,238 |
| Net charge-offs to loans | 0.6393% | 202 |
| Credit loss provision to net charge-offs | 18.2038% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.0878% | 2,610 |
| Efficiency ratio | 73.8923% | 1,604 |
| Assets per employee ($millions) | 4.8517% | 3,740 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 2,528 |
| Loan loss allowance to noncurrent loans | 28.5777% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 3.2424% | 73 |
| Noncurrent loans to loans | 3.9945% | 111 |
| Net loans and leases to total assets | 79.7800% | 658 |
| Net loans and leases to deposits | 93.7092% | 881 |
| Net loans and leases to core deposits | 107.2168% | 1,066 |
| Total domestic deposits to total assets | 85.1300% | 2,253 |
| Equity capital to assets | 9.7132% | 2,488 |
| Core capital (leverage) ratio | 9.6387% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3299% | 2,142 |
| Memoranda: | ||
| Average total assets | $624,168,750 | 1,473 |
| Average earning assets | $587,967,500 | 1,452 |
| Average equity | $59,230,750 | 1,500 |
| Average total loans | $517,882,250 | 1,258 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9602% | 1,227 |
| Cost of funding earning assets | 2.1412% | 1,785 |
| Net interest margin | 3.8190% | 1,395 |
| Noninterest income to average assets | 0.7200% | 1,042 |
| Noninterest expense to average assets | 3.1365% | 906 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.1267% | 1,657 |
| Return on assets (ROA) | 1.1174% | 1,672 |
| Pretax return on assets | 1.1245% | 2,141 |
| Return on Equity (ROE) | 11.8700% | 1,655 |
| Retained earnings to average equity (ytd only) | 5.0209% | 2,326 |
| Net charge-offs to loans | 0.0924% | 909 |
| Credit loss provision to net charge-offs | 70.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 15.3542% | 1,780 |
| Efficiency ratio | 72.4691% | 1,806 |
| Assets per employee ($millions) | 4.7391% | 3,786 |
| Cash dividends to net income (ytd only)* | 57.7034% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,045 |
| Loan loss allowance to noncurrent loans | 34.7907% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 3.5904% | 47 |
| Noncurrent loans to loans | 4.3312% | 82 |
| Net loans and leases to total assets | 81.6500% | 502 |
| Net loans and leases to deposits | 96.2862% | 777 |
| Net loans and leases to core deposits | 110.6133% | 950 |
| Total domestic deposits to total assets | 84.8000% | 2,363 |
| Equity capital to assets | 9.5338% | 2,366 |
| Core capital (leverage) ratio | 9.5414% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9696% | 2,265 |
| Memoranda: | ||
| Average total assets | $620,365,667 | 1,478 |
| Average earning assets | $585,546,667 | 1,458 |
| Average equity | $58,396,000 | 1,501 |
| Average total loans | $519,539,667 | 1,254 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 1,155 |
| Cost of funding earning assets | 2.0502% | 1,885 |
| Net interest margin | 3.8783% | 1,248 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 3.1928% | 844 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.7407% | 2,713 |
| Return on assets (ROA) | 0.7407% | 2,733 |
| Pretax return on assets | 0.7511% | 3,039 |
| Return on Equity (ROE) | 7.9200% | 2,718 |
| Retained earnings to average equity (ytd only) | -4.5418% | 4,109 |
| Net charge-offs to loans | 0.1754% | 500 |
| Credit loss provision to net charge-offs | 36.8421% | 1,452 |
| Earnings coverage of net charge-offs (x) | 5.4561% | 1,857 |
| Efficiency ratio | 79.7895% | 1,226 |
| Assets per employee ($millions) | 4.7378% | 3,821 |
| Cash dividends to net income (ytd only)* | 157.3427% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,137 |
| Loan loss allowance to noncurrent loans | 34.7424% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 3.5904% | 60 |
| Noncurrent loans to loans | 4.2567% | 86 |
| Net loans and leases to total assets | 83.1000% | 332 |
| Net loans and leases to deposits | 98.1140% | 581 |
| Net loans and leases to core deposits | 109.9957% | 935 |
| Total domestic deposits to total assets | 84.7000% | 2,508 |
| Equity capital to assets | 9.2501% | 2,506 |
| Core capital (leverage) ratio | 9.4429% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5694% | 2,404 |
| Memoranda: | ||
| Average total assets | $617,766,500 | 1,484 |
| Average earning assets | $583,553,000 | 1,464 |
| Average equity | $57,774,000 | 1,500 |
| Average total loans | $520,028,000 | 1,247 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 1,067 |
| Cost of funding earning assets | 1.5419% | 1,832 |
| Net interest margin | 4.0313% | 1,157 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 3.0473% | 1,049 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 0.9318% | 2,439 |
| Return on assets (ROA) | 0.9447% | 2,378 |
| Pretax return on assets | 0.9494% | 2,816 |
| Return on Equity (ROE) | 10.1800% | 2,446 |
| Retained earnings to average equity (ytd only) | 7.3192% | 1,784 |
| Net charge-offs to loans | 0.0524% | 1,346 |
| Credit loss provision to net charge-offs | 490.1887% | 685 |
| Earnings coverage of net charge-offs (x) | 26.1925% | 1,715 |
| Efficiency ratio | 72.4991% | 1,616 |
| Assets per employee ($millions) | 4.4236% | 3,990 |
| Cash dividends to net income (ytd only)* | 28.1096% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5267% | 985 |
| Loan loss allowance to noncurrent loans | 34.0090% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 3.7711% | 44 |
| Noncurrent loans to loans | 4.4890% | 64 |
| Net loans and leases to total assets | 82.7300% | 371 |
| Net loans and leases to deposits | 95.3959% | 833 |
| Net loans and leases to core deposits | 104.2912% | 1,203 |
| Total domestic deposits to total assets | 86.7200% | 1,783 |
| Equity capital to assets | 9.4550% | 2,381 |
| Core capital (leverage) ratio | 9.5155% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8006% | 2,305 |
| Memoranda: | ||
| Average total assets | $602,502,800 | 1,471 |
| Average earning assets | $570,978,200 | 1,438 |
| Average equity | $55,907,800 | 1,470 |
| Average total loans | $506,010,400 | 1,221 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 1,006 |
| Cost of funding earning assets | 1.3961% | 1,878 |
| Net interest margin | 4.1125% | 1,042 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.0211% | 1,047 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.9892% | 2,395 |
| Return on assets (ROA) | 0.9987% | 2,356 |
| Pretax return on assets | 1.0034% | 2,853 |
| Return on Equity (ROE) | 10.8200% | 2,422 |
| Retained earnings to average equity (ytd only) | 8.4068% | 1,838 |
| Net charge-offs to loans | 0.0577% | 1,092 |
| Credit loss provision to net charge-offs | 560.0917% | 585 |
| Earnings coverage of net charge-offs (x) | 26.0963% | 1,676 |
| Efficiency ratio | 70.4115% | 1,741 |
| Assets per employee ($millions) | 4.4041% | 3,997 |
| Cash dividends to net income (ytd only)* | 22.2717% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 1,031 |
| Loan loss allowance to noncurrent loans | 59.2204% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 2.1984% | 112 |
| Noncurrent loans to loans | 2.5866% | 187 |
| Net loans and leases to total assets | 83.6900% | 301 |
| Net loans and leases to deposits | 98.2143% | 605 |
| Net loans and leases to core deposits | 107.6518% | 950 |
| Total domestic deposits to total assets | 85.2100% | 2,440 |
| Equity capital to assets | 9.4207% | 2,146 |
| Core capital (leverage) ratio | 9.4406% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7817% | 2,353 |
| Memoranda: | ||
| Average total assets | $599,408,500 | 1,475 |
| Average earning assets | $568,529,750 | 1,444 |
| Average equity | $55,350,500 | 1,470 |
| Average total loans | $503,374,500 | 1,221 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 993 |
| Cost of funding earning assets | 1.2021% | 1,986 |
| Net interest margin | 4.1680% | 973 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.0119% | 1,030 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2413% | 1,713 |
| Return on assets (ROA) | 1.2503% | 1,685 |
| Pretax return on assets | 1.2553% | 2,208 |
| Return on Equity (ROE) | 13.6300% | 1,764 |
| Retained earnings to average equity (ytd only) | 11.8095% | 1,024 |
| Net charge-offs to loans | 0.0124% | 1,729 |
| Credit loss provision to net charge-offs | 664.5161% | 543 |
| Earnings coverage of net charge-offs (x) | 126.8710% | 820 |
| Efficiency ratio | 69.5440% | 1,806 |
| Assets per employee ($millions) | 4.2261% | 4,090 |
| Cash dividends to net income (ytd only)* | 13.3726% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 1,658 |
| Loan loss allowance to noncurrent loans | 76.4220% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5257% | 230 |
| Noncurrent loans to loans | 1.7851% | 340 |
| Net loans and leases to total assets | 84.0700% | 269 |
| Net loans and leases to deposits | 97.9312% | 609 |
| Net loans and leases to core deposits | 107.2515% | 939 |
| Total domestic deposits to total assets | 85.8500% | 2,280 |
| Equity capital to assets | 9.3502% | 2,266 |
| Core capital (leverage) ratio | 9.5628% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8194% | 2,364 |
| Memoranda: | ||
| Average total assets | $598,093,000 | 1,476 |
| Average earning assets | $566,693,333 | 1,449 |
| Average equity | $54,854,000 | 1,484 |
| Average total loans | $500,232,667 | 1,215 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 1,031 |
| Cost of funding earning assets | 0.9543% | 2,204 |
| Net interest margin | 4.1894% | 964 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 3.0589% | 982 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1443% | 2,087 |
| Return on assets (ROA) | 1.1530% | 2,023 |
| Pretax return on assets | 1.1624% | 2,533 |
| Return on Equity (ROE) | 12.7000% | 2,050 |
| Retained earnings to average equity (ytd only) | 12.6971% | 1,142 |
| Net charge-offs to loans | 0.0179% | 1,330 |
| Credit loss provision to net charge-offs | 581.8182% | 516 |
| Earnings coverage of net charge-offs (x) | 83.8182% | 878 |
| Efficiency ratio | 71.0979% | 1,627 |
| Assets per employee ($millions) | 4.5070% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,608 |
| Loan loss allowance to noncurrent loans | 72.3736% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.6080% | 185 |
| Noncurrent loans to loans | 1.9380% | 297 |
| Net loans and leases to total assets | 81.6000% | 406 |
| Net loans and leases to deposits | 93.2807% | 828 |
| Net loans and leases to core deposits | 100.1862% | 1,080 |
| Total domestic deposits to total assets | 87.4800% | 2,097 |
| Equity capital to assets | 9.1976% | 2,373 |
| Core capital (leverage) ratio | 9.5786% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9642% | 2,405 |
| Memoranda: | ||
| Average total assets | $594,975,500 | 1,507 |
| Average earning assets | $562,079,000 | 1,481 |
| Average equity | $54,028,000 | 1,512 |
| Average total loans | $492,804,500 | 1,242 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 898 |
| Cost of funding earning assets | 0.4953% | 1,424 |
| Net interest margin | 3.8952% | 961 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 3.0253% | 935 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.0418% | 2,410 |
| Return on assets (ROA) | 1.0386% | 2,365 |
| Pretax return on assets | 1.0404% | 2,942 |
| Return on Equity (ROE) | 12.0900% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.6810% | 1,960 |
| Net charge-offs to loans | -0.0319% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.9204% | 1,226 |
| Assets per employee ($millions) | 4.1586% | 4,219 |
| Cash dividends to net income (ytd only)* | 36.4668% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,553 |
| Loan loss allowance to noncurrent loans | 85.6962% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 238 |
| Noncurrent loans to loans | 1.6152% | 396 |
| Net loans and leases to total assets | 81.7500% | 433 |
| Net loans and leases to deposits | 93.0568% | 841 |
| Net loans and leases to core deposits | 95.0703% | 1,251 |
| Total domestic deposits to total assets | 87.8500% | 2,123 |
| Equity capital to assets | 8.9621% | 2,379 |
| Core capital (leverage) ratio | 9.1731% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5451% | 2,552 |
| Memoranda: | ||
| Average total assets | $594,087,600 | 1,499 |
| Average earning assets | $561,485,200 | 1,473 |
| Average equity | $51,035,000 | 1,595 |
| Average total loans | $451,679,000 | 1,269 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 1,008 |
| Cost of funding earning assets | 0.4102% | 857 |
| Net interest margin | 3.5494% | 1,184 |
| Noninterest income to average assets | 0.4009% | 2,753 |
| Noninterest expense to average assets | 2.9162% | 965 |
| Loan and lease loss provision to assets | -0.0926% | 4,582 |
| Net operating income to assets | 0.9353% | 2,424 |
| Return on assets (ROA) | 0.9256% | 2,439 |
| Pretax return on assets | 0.9324% | 2,955 |
| Return on Equity (ROE) | 10.9105% | 2,010 |
| Retained earnings to average equity (ytd only) | 2.0129% | 3,749 |
| Net charge-offs to loans | -0.0060% | 3,401 |
| Credit loss provision to net charge-offs | 2,123.0769% | 237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3699% | 1,139 |
| Assets per employee ($millions) | 3.9743% | 4,380 |
| Cash dividends to net income (ytd only)* | 81.5513% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,783 |
| Loan loss allowance to noncurrent loans | 64.1918% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.7218% | 187 |
| Noncurrent loans to loans | 2.1711% | 292 |
| Net loans and leases to total assets | 74.6876% | 841 |
| Net loans and leases to deposits | 81.9216% | 1,247 |
| Net loans and leases to core deposits | 84.9769% | 1,397 |
| Total domestic deposits to total assets | 91.1697% | 1,158 |
| Equity capital to assets | 8.4558% | 2,794 |
| Core capital (leverage) ratio | 8.4529% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9911% | 2,500 |
| Memoranda: | ||
| Average total assets | $596,124,000 | 1,502 |
| Average earning assets | $565,110,667 | 1,482 |
| Average equity | $50,575,000 | 1,667 |
| Average total loans | $432,946,000 | 1,296 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 1,113 |
| Cost of funding earning assets | 0.3778% | 1,005 |
| Net interest margin | 3.4058% | 1,287 |
| Noninterest income to average assets | 0.3759% | 2,835 |
| Noninterest expense to average assets | 2.9226% | 922 |
| Loan and lease loss provision to assets | -0.2675% | 4,720 |
| Net operating income to assets | 0.9456% | 2,089 |
| Return on assets (ROA) | 0.9376% | 2,112 |
| Pretax return on assets | 0.9443% | 2,616 |
| Return on Equity (ROE) | 11.0336% | 1,609 |
| Retained earnings to average equity (ytd only) | 1.9832% | 3,542 |
| Net charge-offs to loans | 0.0141% | 1,259 |
| Credit loss provision to net charge-offs | -2,666.6667% | 3,436 |
| Earnings coverage of net charge-offs (x) | 68.2667% | 806 |
| Efficiency ratio | 80.9418% | 1,076 |
| Assets per employee ($millions) | 4.2466% | 4,281 |
| Cash dividends to net income (ytd only)* | 82.0257% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 1,619 |
| Loan loss allowance to noncurrent loans | 57.5812% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7565% | 183 |
| Noncurrent loans to loans | 2.5723% | 228 |
| Net loans and leases to total assets | 67.2747% | 1,284 |
| Net loans and leases to deposits | 74.0837% | 1,605 |
| Net loans and leases to core deposits | 77.6265% | 1,645 |
| Total domestic deposits to total assets | 90.8091% | 1,134 |
| Equity capital to assets | 8.3582% | 3,277 |
| Core capital (leverage) ratio | 8.5910% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0003% | 2,203 |
| Memoranda: | ||
| Average total assets | $598,103,500 | 1,507 |
| Average earning assets | $567,508,500 | 1,487 |
| Average equity | $50,826,500 | 1,718 |
| Average total loans | $425,156,500 | 1,308 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 936 |
| Cost of funding earning assets | 0.5080% | 897 |
| Net interest margin | 3.7273% | 1,152 |
| Noninterest income to average assets | 0.4734% | 2,704 |
| Noninterest expense to average assets | 3.0062% | 971 |
| Loan and lease loss provision to assets | -0.0973% | 4,520 |
| Net operating income to assets | 1.0909% | 2,332 |
| Return on assets (ROA) | 1.1008% | 2,357 |
| Pretax return on assets | 1.1072% | 2,947 |
| Return on Equity (ROE) | 13.1840% | 1,405 |
| Retained earnings to average equity (ytd only) | 6.2545% | 2,247 |
| Net charge-offs to loans | -0.0013% | 3,311 |
| Credit loss provision to net charge-offs | 9,666.6667% | 71 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9696% | 1,211 |
| Assets per employee ($millions) | 4.2371% | 4,306 |
| Cash dividends to net income (ytd only)* | 52.5594% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,611 |
| Loan loss allowance to noncurrent loans | 58.2648% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.0701% | 150 |
| Noncurrent loans to loans | 2.5494% | 263 |
| Net loans and leases to total assets | 72.8302% | 776 |
| Net loans and leases to deposits | 80.5358% | 1,166 |
| Net loans and leases to core deposits | 84.4489% | 1,299 |
| Total domestic deposits to total assets | 90.4322% | 745 |
| Equity capital to assets | 8.6400% | 3,948 |
| Core capital (leverage) ratio | 8.4544% | 3,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1809% | 2,567 |
| Memoranda: | ||
| Average total assets | $596,268,600 | 1,457 |
| Average earning assets | $565,130,200 | 1,442 |
| Average equity | $49,787,800 | 1,774 |
| Average total loans | $445,080,400 | 1,270 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 996 |
| Cost of funding earning assets | 0.5311% | 908 |
| Net interest margin | 3.7408% | 1,247 |
| Noninterest income to average assets | 0.4426% | 2,876 |
| Noninterest expense to average assets | 2.9851% | 1,002 |
| Loan and lease loss provision to assets | -0.0380% | 4,418 |
| Net operating income to assets | 1.0374% | 2,777 |
| Return on assets (ROA) | 1.0465% | 2,809 |
| Pretax return on assets | 1.0532% | 3,315 |
| Return on Equity (ROE) | 12.6419% | 1,821 |
| Retained earnings to average equity (ytd only) | 6.0323% | 2,805 |
| Net charge-offs to loans | -0.0134% | 3,797 |
| Credit loss provision to net charge-offs | 377.7778% | 891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7202% | 1,154 |
| Assets per employee ($millions) | 4.2297% | 4,312 |
| Cash dividends to net income (ytd only)* | 52.2834% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,312 |
| Loan loss allowance to noncurrent loans | 67.5495% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.9812% | 189 |
| Noncurrent loans to loans | 2.3856% | 327 |
| Net loans and leases to total assets | 71.7926% | 889 |
| Net loans and leases to deposits | 79.3650% | 1,343 |
| Net loans and leases to core deposits | 84.7502% | 1,370 |
| Total domestic deposits to total assets | 90.4588% | 582 |
| Equity capital to assets | 8.5434% | 4,183 |
| Core capital (leverage) ratio | 8.2265% | 4,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3351% | 2,602 |
| Memoranda: | ||
| Average total assets | $597,036,750 | 1,471 |
| Average earning assets | $566,348,750 | 1,457 |
| Average equity | $49,421,750 | 1,800 |
| Average total loans | $446,715,500 | 1,291 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1988% | 1,189 |
| Cost of funding earning assets | 0.5507% | 935 |
| Net interest margin | 3.6480% | 1,475 |
| Noninterest income to average assets | 0.4376% | 2,919 |
| Noninterest expense to average assets | 2.9599% | 1,050 |
| Loan and lease loss provision to assets | 0.0267% | 2,444 |
| Net operating income to assets | 0.9135% | 3,181 |
| Return on assets (ROA) | 0.9231% | 3,230 |
| Pretax return on assets | 0.9284% | 3,600 |
| Return on Equity (ROE) | 11.2701% | 2,312 |
| Retained earnings to average equity (ytd only) | 3.3162% | 3,739 |
| Net charge-offs to loans | -0.0221% | 4,032 |
| Credit loss provision to net charge-offs | -160.0000% | 3,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7228% | 1,111 |
| Assets per employee ($millions) | 4.1978% | 4,329 |
| Cash dividends to net income (ytd only)* | 70.5755% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 1,213 |
| Loan loss allowance to noncurrent loans | 76.7627% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.8407% | 247 |
| Noncurrent loans to loans | 2.1215% | 436 |
| Net loans and leases to total assets | 72.1296% | 951 |
| Net loans and leases to deposits | 79.5717% | 1,468 |
| Net loans and leases to core deposits | 85.2280% | 1,474 |
| Total domestic deposits to total assets | 90.6472% | 498 |
| Equity capital to assets | 8.1380% | 4,460 |
| Core capital (leverage) ratio | 7.9892% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9570% | 2,735 |
| Memoranda: | ||
| Average total assets | $598,663,667 | 1,463 |
| Average earning assets | $569,073,333 | 1,446 |
| Average equity | $49,032,333 | 1,800 |
| Average total loans | $451,591,667 | 1,284 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 1,050 |
| Cost of funding earning assets | 0.5828% | 951 |
| Net interest margin | 3.7111% | 1,311 |
| Noninterest income to average assets | 0.4237% | 2,967 |
| Noninterest expense to average assets | 3.0019% | 990 |
| Loan and lease loss provision to assets | 0.1209% | 1,137 |
| Net operating income to assets | 0.8226% | 3,346 |
| Return on assets (ROA) | 0.8379% | 3,386 |
| Pretax return on assets | 0.8433% | 3,736 |
| Return on Equity (ROE) | 10.1977% | 2,624 |
| Retained earnings to average equity (ytd only) | 6.5207% | 2,723 |
| Net charge-offs to loans | -0.0579% | 4,454 |
| Credit loss provision to net charge-offs | -272.7273% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9177% | 1,148 |
| Assets per employee ($millions) | 4.1073% | 4,412 |
| Cash dividends to net income (ytd only)* | 36.0577% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 1,186 |
| Loan loss allowance to noncurrent loans | 77.8226% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.8699% | 287 |
| Noncurrent loans to loans | 2.1117% | 489 |
| Net loans and leases to total assets | 73.1989% | 883 |
| Net loans and leases to deposits | 81.5866% | 1,364 |
| Net loans and leases to core deposits | 88.1581% | 1,360 |
| Total domestic deposits to total assets | 89.7193% | 952 |
| Equity capital to assets | 8.2146% | 4,352 |
| Core capital (leverage) ratio | 8.1137% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8850% | 2,710 |
| Memoranda: | ||
| Average total assets | $595,754,000 | 1,457 |
| Average earning assets | $566,199,000 | 1,435 |
| Average equity | $48,952,000 | 1,791 |
| Average total loans | $455,773,000 | 1,277 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 756 |
| Cost of funding earning assets | 0.7999% | 1,212 |
| Net interest margin | 3.9833% | 1,008 |
| Noninterest income to average assets | 0.5901% | 2,253 |
| Noninterest expense to average assets | 3.1979% | 1,063 |
| Loan and lease loss provision to assets | 0.1774% | 2,173 |
| Net operating income to assets | 0.9700% | 2,395 |
| Return on assets (ROA) | 0.9693% | 2,548 |
| Pretax return on assets | 0.9748% | 3,128 |
| Return on Equity (ROE) | 11.3820% | 1,503 |
| Retained earnings to average equity (ytd only) | 4.9881% | 2,274 |
| Net charge-offs to loans | 0.1628% | 1,012 |
| Credit loss provision to net charge-offs | 135.3180% | 2,518 |
| Earnings coverage of net charge-offs (x) | 8.7957% | 2,570 |
| Efficiency ratio | 73.3358% | 1,526 |
| Assets per employee ($millions) | 4.0537% | 4,336 |
| Cash dividends to net income (ytd only)* | 56.1757% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,502 |
| Loan loss allowance to noncurrent loans | 89.4159% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.6417% | 413 |
| Noncurrent loans to loans | 1.7038% | 745 |
| Net loans and leases to total assets | 77.4151% | 655 |
| Net loans and leases to deposits | 86.6048% | 1,205 |
| Net loans and leases to core deposits | 93.7773% | 1,259 |
| Total domestic deposits to total assets | 89.3889% | 811 |
| Equity capital to assets | 8.2191% | 4,612 |
| Core capital (leverage) ratio | 7.9700% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1592% | 2,877 |
| Memoranda: | ||
| Average total assets | $563,835,000 | 1,412 |
| Average earning assets | $532,325,200 | 1,386 |
| Average equity | $48,014,400 | 1,756 |
| Average total loans | $453,921,400 | 1,219 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 784 |
| Cost of funding earning assets | 0.8460% | 1,276 |
| Net interest margin | 4.0225% | 1,059 |
| Noninterest income to average assets | 0.6348% | 2,052 |
| Noninterest expense to average assets | 3.2069% | 1,063 |
| Loan and lease loss provision to assets | 0.2155% | 1,871 |
| Net operating income to assets | 0.9987% | 2,343 |
| Return on assets (ROA) | 0.9944% | 2,489 |
| Pretax return on assets | 1.0016% | 3,066 |
| Return on Equity (ROE) | 11.5703% | 1,487 |
| Retained earnings to average equity (ytd only) | 5.5247% | 2,314 |
| Net charge-offs to loans | 0.0423% | 2,021 |
| Credit loss provision to net charge-offs | 629.3706% | 1,138 |
| Earnings coverage of net charge-offs (x) | 35.6713% | 1,444 |
| Efficiency ratio | 72.2180% | 1,617 |
| Assets per employee ($millions) | 3.9416% | 4,361 |
| Cash dividends to net income (ytd only)* | 52.2514% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6103% | 1,073 |
| Loan loss allowance to noncurrent loans | 81.3298% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.9736% | 339 |
| Noncurrent loans to loans | 1.9800% | 614 |
| Net loans and leases to total assets | 78.3743% | 786 |
| Net loans and leases to deposits | 87.7636% | 1,512 |
| Net loans and leases to core deposits | 94.9213% | 1,550 |
| Total domestic deposits to total assets | 89.3016% | 650 |
| Equity capital to assets | 8.1677% | 4,647 |
| Core capital (leverage) ratio | 7.9409% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2422% | 2,856 |
| Memoranda: | ||
| Average total assets | $556,833,000 | 1,409 |
| Average earning assets | $525,139,250 | 1,387 |
| Average equity | $47,857,000 | 1,749 |
| Average total loans | $451,085,750 | 1,220 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 884 |
| Cost of funding earning assets | 0.8979% | 1,384 |
| Net interest margin | 4.0636% | 1,188 |
| Noninterest income to average assets | 0.7441% | 1,596 |
| Noninterest expense to average assets | 3.1821% | 1,192 |
| Loan and lease loss provision to assets | 0.2200% | 1,897 |
| Net operating income to assets | 1.1647% | 1,746 |
| Return on assets (ROA) | 1.1581% | 1,900 |
| Pretax return on assets | 1.1677% | 2,469 |
| Return on Equity (ROE) | 13.2377% | 1,046 |
| Retained earnings to average equity (ytd only) | 10.5549% | 681 |
| Net charge-offs to loans | 0.0877% | 1,370 |
| Credit loss provision to net charge-offs | 307.6923% | 1,598 |
| Earnings coverage of net charge-offs (x) | 19.4974% | 1,717 |
| Efficiency ratio | 69.3245% | 2,042 |
| Assets per employee ($millions) | 3.9109% | 4,386 |
| Cash dividends to net income (ytd only)* | 20.2660% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 1,136 |
| Loan loss allowance to noncurrent loans | 67.9699% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 2.4217% | 239 |
| Noncurrent loans to loans | 2.2739% | 543 |
| Net loans and leases to total assets | 79.0580% | 713 |
| Net loans and leases to deposits | 88.8554% | 1,470 |
| Net loans and leases to core deposits | 96.9353% | 1,507 |
| Total domestic deposits to total assets | 88.9738% | 756 |
| Equity capital to assets | 8.3919% | 4,537 |
| Core capital (leverage) ratio | 8.4121% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7645% | 2,706 |
| Memoranda: | ||
| Average total assets | $545,362,333 | 1,405 |
| Average earning assets | $514,319,000 | 1,390 |
| Average equity | $47,712,333 | 1,747 |
| Average total loans | $444,458,333 | 1,220 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 853 |
| Cost of funding earning assets | 0.9991% | 1,423 |
| Net interest margin | 4.0656% | 1,207 |
| Noninterest income to average assets | 1.0192% | 822 |
| Noninterest expense to average assets | 3.2179% | 1,389 |
| Loan and lease loss provision to assets | 0.2278% | 1,358 |
| Net operating income to assets | 1.4041% | 965 |
| Return on assets (ROA) | 1.3845% | 1,102 |
| Pretax return on assets | 1.4012% | 1,562 |
| Return on Equity (ROE) | 15.4760% | 490 |
| Retained earnings to average equity (ytd only) | 14.2026% | 238 |
| Net charge-offs to loans | 0.1525% | 849 |
| Credit loss provision to net charge-offs | 181.8182% | 1,470 |
| Earnings coverage of net charge-offs (x) | 13.1576% | 1,666 |
| Efficiency ratio | 65.9176% | 2,975 |
| Assets per employee ($millions) | 3.7055% | 4,272 |
| Cash dividends to net income (ytd only)* | 8.2282% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,016 |
| Loan loss allowance to noncurrent loans | 54.4246% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 3.0919% | 182 |
| Noncurrent loans to loans | 2.9796% | 364 |
| Net loans and leases to total assets | 80.2685% | 665 |
| Net loans and leases to deposits | 91.2663% | 1,369 |
| Net loans and leases to core deposits | 101.7740% | 1,345 |
| Total domestic deposits to total assets | 87.9498% | 1,134 |
| Equity capital to assets | 9.1515% | 4,503 |
| Core capital (leverage) ratio | 8.8400% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4410% | 2,952 |
| Memoranda: | ||
| Average total assets | $526,683,500 | 1,404 |
| Average earning assets | $498,424,000 | 1,385 |
| Average equity | $47,118,000 | 1,755 |
| Average total loans | $432,728,000 | 1,216 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 645 |
| Cost of funding earning assets | 0.9734% | 1,837 |
| Net interest margin | 4.4475% | 805 |
| Noninterest income to average assets | 0.5937% | 2,259 |
| Noninterest expense to average assets | 3.7235% | 740 |
| Loan and lease loss provision to assets | 0.1845% | 1,120 |
| Net operating income to assets | 0.8682% | 3,323 |
| Return on assets (ROA) | 0.8682% | 3,414 |
| Pretax return on assets | 0.8710% | 3,819 |
| Return on Equity (ROE) | 9.7454% | 2,420 |
| Retained earnings to average equity (ytd only) | 5.7533% | 2,001 |
| Net charge-offs to loans | 0.0523% | 2,366 |
| Credit loss provision to net charge-offs | 420.8145% | 680 |
| Earnings coverage of net charge-offs (x) | 24.0769% | 1,791 |
| Efficiency ratio | 77.7063% | 1,182 |
| Assets per employee ($millions) | 3.9638% | 3,945 |
| Cash dividends to net income (ytd only)* | 40.9641% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 1,056 |
| Loan loss allowance to noncurrent loans | 56.1533% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.6497% | 232 |
| Noncurrent loans to loans | 2.7872% | 362 |
| Net loans and leases to total assets | 81.4343% | 628 |
| Net loans and leases to deposits | 92.3147% | 1,329 |
| Net loans and leases to core deposits | 103.5662% | 1,262 |
| Total domestic deposits to total assets | 88.2138% | 1,027 |
| Equity capital to assets | 8.7412% | 4,808 |
| Core capital (leverage) ratio | 8.7710% | 4,685 |
| Tier 1 risk-based capital ratio | 10.7637% | 4,942 |
| Total risk-based capital ratio | 12.0182% | 4,846 |
| Memoranda: | ||
| Average total assets | $504,127,800 | 1,416 |
| Average earning assets | $474,397,400 | 1,404 |
| Average equity | $44,913,400 | 1,760 |
| Average total loans | $422,392,600 | 1,214 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4589% | 633 |
| Cost of funding earning assets | 0.9626% | 1,924 |
| Net interest margin | 4.4963% | 774 |
| Noninterest income to average assets | 0.6060% | 2,172 |
| Noninterest expense to average assets | 3.7048% | 746 |
| Loan and lease loss provision to assets | 0.1685% | 1,099 |
| Net operating income to assets | 0.9471% | 3,175 |
| Return on assets (ROA) | 0.9471% | 3,250 |
| Pretax return on assets | 0.9503% | 3,739 |
| Return on Equity (ROE) | 10.5777% | 2,180 |
| Retained earnings to average equity (ytd only) | 5.6683% | 2,525 |
| Net charge-offs to loans | 0.0605% | 1,952 |
| Credit loss provision to net charge-offs | 331.5789% | 894 |
| Earnings coverage of net charge-offs (x) | 22.0103% | 1,886 |
| Efficiency ratio | 76.6001% | 1,256 |
| Assets per employee ($millions) | 3.6425% | 4,345 |
| Cash dividends to net income (ytd only)* | 46.4124% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,206 |
| Loan loss allowance to noncurrent loans | 56.6615% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.6503% | 235 |
| Noncurrent loans to loans | 2.6745% | 407 |
| Net loans and leases to total assets | 84.1752% | 333 |
| Net loans and leases to deposits | 95.7534% | 1,045 |
| Net loans and leases to core deposits | 105.6532% | 1,205 |
| Total domestic deposits to total assets | 87.9082% | 1,076 |
| Equity capital to assets | 8.9644% | 4,802 |
| Core capital (leverage) ratio | 8.8672% | 4,733 |
| Tier 1 risk-based capital ratio | 10.7179% | 5,012 |
| Total risk-based capital ratio | 11.9720% | 4,926 |
| Memoranda: | ||
| Average total assets | $498,361,750 | 1,435 |
| Average earning assets | $467,482,250 | 1,431 |
| Average equity | $44,621,000 | 1,774 |
| Average total loans | $418,955,500 | 1,228 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4344% | 634 |
| Cost of funding earning assets | 0.9475% | 1,928 |
| Net interest margin | 4.4869% | 792 |
| Noninterest income to average assets | 0.6068% | 2,116 |
| Noninterest expense to average assets | 3.5448% | 909 |
| Loan and lease loss provision to assets | 0.1695% | 1,075 |
| Net operating income to assets | 1.0845% | 2,587 |
| Return on assets (ROA) | 1.0845% | 2,655 |
| Pretax return on assets | 1.0881% | 3,271 |
| Return on Equity (ROE) | 12.1176% | 1,532 |
| Retained earnings to average equity (ytd only) | 9.8636% | 798 |
| Net charge-offs to loans | 0.0878% | 1,484 |
| Credit loss provision to net charge-offs | 230.7692% | 1,086 |
| Earnings coverage of net charge-offs (x) | 17.1264% | 1,903 |
| Efficiency ratio | 73.6033% | 1,688 |
| Assets per employee ($millions) | 3.5415% | 4,453 |
| Cash dividends to net income (ytd only)* | 18.6012% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,244 |
| Loan loss allowance to noncurrent loans | 45.8454% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 2.9880% | 201 |
| Noncurrent loans to loans | 3.2925% | 280 |
| Net loans and leases to total assets | 84.2461% | 337 |
| Net loans and leases to deposits | 95.4415% | 1,100 |
| Net loans and leases to core deposits | 104.4390% | 1,348 |
| Total domestic deposits to total assets | 88.2699% | 981 |
| Equity capital to assets | 9.2784% | 4,591 |
| Core capital (leverage) ratio | 9.1132% | 4,537 |
| Tier 1 risk-based capital ratio | 10.9837% | 4,917 |
| Total risk-based capital ratio | 12.2376% | 4,831 |
| Memoranda: | ||
| Average total assets | $495,711,670 | 1,443 |
| Average earning assets | $463,526,670 | 1,441 |
| Average equity | $44,365,330 | 1,780 |
| Average total loans | $414,358,330 | 1,240 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4526% | 567 |
| Cost of funding earning assets | 0.9278% | 1,891 |
| Net interest margin | 4.5248% | 704 |
| Noninterest income to average assets | 0.6827% | 1,674 |
| Noninterest expense to average assets | 3.8140% | 645 |
| Loan and lease loss provision to assets | 0.1689% | 989 |
| Net operating income to assets | 0.8910% | 3,264 |
| Return on assets (ROA) | 0.8910% | 3,319 |
| Pretax return on assets | 0.8958% | 3,781 |
| Return on Equity (ROE) | 10.1394% | 2,306 |
| Retained earnings to average equity (ytd only) | 8.7668% | 1,396 |
| Net charge-offs to loans | -0.0107% | 4,250 |
| Credit loss provision to net charge-offs | -1,909.0909% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9627% | 1,268 |
| Assets per employee ($millions) | 3.5694% | 4,497 |
| Cash dividends to net income (ytd only)* | 13.5379% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,199 |
| Loan loss allowance to noncurrent loans | 55.3576% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.5949% | 286 |
| Noncurrent loans to loans | 2.7881% | 426 |
| Net loans and leases to total assets | 82.0920% | 578 |
| Net loans and leases to deposits | 92.7031% | 1,318 |
| Net loans and leases to core deposits | 98.6574% | 1,730 |
| Total domestic deposits to total assets | 88.5537% | 1,058 |
| Equity capital to assets | 8.9862% | 4,697 |
| Core capital (leverage) ratio | 8.7141% | 4,857 |
| Tier 1 risk-based capital ratio | 10.8256% | 5,058 |
| Total risk-based capital ratio | 12.0797% | 4,958 |
| Memoranda: | ||
| Average total assets | $497,432,000 | 1,442 |
| Average earning assets | $461,281,500 | 1,445 |
| Average equity | $43,710,500 | 1,789 |
| Average total loans | $411,000,000 | 1,259 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1595% | 755 |
| Cost of funding earning assets | 0.9019% | 1,086 |
| Net interest margin | 4.2575% | 1,251 |
| Noninterest income to average assets | 0.4817% | 2,935 |
| Noninterest expense to average assets | 2.9073% | 2,324 |
| Loan and lease loss provision to assets | 0.3052% | 529 |
| Net operating income to assets | 1.1845% | 2,243 |
| Return on assets (ROA) | 1.1845% | 2,239 |
| Pretax return on assets | 1.1845% | 2,939 |
| Return on Equity (ROE) | 13.0369% | 1,336 |
| Retained earnings to average equity (ytd only) | 7.5571% | 1,435 |
| Net charge-offs to loans | 0.1457% | 1,314 |
| Credit loss provision to net charge-offs | 257.0755% | 1,163 |
| Earnings coverage of net charge-offs (x) | 12.5472% | 2,521 |
| Efficiency ratio | 66.1190% | 2,859 |
| Assets per employee ($millions) | 4.2836% | 3,486 |
| Cash dividends to net income (ytd only)* | 42.0331% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,118 |
| Loan loss allowance to noncurrent loans | 52.7880% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.4546% | 318 |
| Noncurrent loans to loans | 2.9544% | 351 |
| Net loans and leases to total assets | 80.3796% | 883 |
| Net loans and leases to deposits | 92.0655% | 1,547 |
| Net loans and leases to core deposits | 103.1867% | 1,491 |
| Total domestic deposits to total assets | 87.3070% | 1,638 |
| Equity capital to assets | 9.3169% | 4,302 |
| Core capital (leverage) ratio | 8.7185% | 4,867 |
| Tier 1 risk-based capital ratio | 10.8872% | 5,023 |
| Total risk-based capital ratio | 12.1407% | 4,911 |
| Memoranda: | ||
| Average total assets | $178,549,400 | 3,071 |
| Average earning assets | $164,203,000 | 3,092 |
| Average equity | $16,223,200 | 3,497 |
| Average total loans | $145,539,200 | 2,700 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1075% | 747 |
| Cost of funding earning assets | 0.8719% | 1,030 |
| Net interest margin | 4.2356% | 1,274 |
| Noninterest income to average assets | 0.4998% | 2,866 |
| Noninterest expense to average assets | 2.9485% | 2,170 |
| Loan and lease loss provision to assets | 0.1908% | 929 |
| Net operating income to assets | 1.2569% | 2,014 |
| Return on assets (ROA) | 1.2569% | 2,023 |
| Pretax return on assets | 1.2569% | 2,786 |
| Return on Equity (ROE) | 13.9226% | 1,142 |
| Retained earnings to average equity (ytd only) | 9.8702% | 962 |
| Net charge-offs to loans | 0.0073% | 3,159 |
| Credit loss provision to net charge-offs | 3,187.5000% | 136 |
| Earnings coverage of net charge-offs (x) | 241.7938% | 379 |
| Efficiency ratio | 67.0694% | 2,702 |
| Assets per employee ($millions) | 4.3666% | 3,336 |
| Cash dividends to net income (ytd only)* | 29.1070% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,336 |
| Loan loss allowance to noncurrent loans | 45.5861% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.7716% | 288 |
| Noncurrent loans to loans | 3.2957% | 307 |
| Net loans and leases to total assets | 80.7476% | 909 |
| Net loans and leases to deposits | 92.7162% | 1,531 |
| Net loans and leases to core deposits | 110.5170% | 1,002 |
| Total domestic deposits to total assets | 87.0911% | 1,686 |
| Equity capital to assets | 9.3224% | 4,250 |
| Core capital (leverage) ratio | 8.6185% | 5,016 |
| Tier 1 risk-based capital ratio | 10.8532% | 5,099 |
| Total risk-based capital ratio | 12.1065% | 5,006 |
| Memoranda: | ||
| Average total assets | $178,209,250 | 3,094 |
| Average earning assets | $163,938,500 | 3,114 |
| Average equity | $16,088,500 | 3,536 |
| Average total loans | $145,198,500 | 2,719 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0862% | 680 |
| Cost of funding earning assets | 0.8080% | 1,094 |
| Net interest margin | 4.2782% | 1,082 |
| Noninterest income to average assets | 0.4777% | 2,988 |
| Noninterest expense to average assets | 2.9786% | 2,104 |
| Loan and lease loss provision to assets | 0.1855% | 966 |
| Net operating income to assets | 1.2297% | 2,063 |
| Return on assets (ROA) | 1.2297% | 2,060 |
| Pretax return on assets | 1.2297% | 2,821 |
| Return on Equity (ROE) | 13.7714% | 1,140 |
| Retained earnings to average equity (ytd only) | 9.5040% | 1,073 |
| Net charge-offs to loans | -0.0069% | 4,191 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7923% | 2,681 |
| Assets per employee ($millions) | 4.3350% | 3,377 |
| Cash dividends to net income (ytd only)* | 30.9872% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,626 |
| Loan loss allowance to noncurrent loans | 77.6359% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 829 |
| Noncurrent loans to loans | 1.8463% | 839 |
| Net loans and leases to total assets | 80.3692% | 963 |
| Net loans and leases to deposits | 93.7634% | 1,383 |
| Net loans and leases to core deposits | 111.5602% | 905 |
| Total domestic deposits to total assets | 85.7149% | 2,407 |
| Equity capital to assets | 8.9311% | 4,610 |
| Core capital (leverage) ratio | 8.4756% | 5,127 |
| Tier 1 risk-based capital ratio | 10.3809% | 5,321 |
| Total risk-based capital ratio | 11.6333% | 5,224 |
| Memoranda: | ||
| Average total assets | $177,935,000 | 3,117 |
| Average earning assets | $162,873,670 | 3,149 |
| Average equity | $15,888,000 | 3,574 |
| Average total loans | $144,675,000 | 2,733 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0450% | 637 |
| Cost of funding earning assets | 0.6927% | 1,481 |
| Net interest margin | 4.3523% | 852 |
| Noninterest income to average assets | 0.4981% | 2,811 |
| Noninterest expense to average assets | 3.0841% | 1,870 |
| Loan and lease loss provision to assets | 0.1706% | 1,039 |
| Net operating income to assets | 1.2305% | 1,891 |
| Return on assets (ROA) | 1.2305% | 1,898 |
| Pretax return on assets | 1.2305% | 2,637 |
| Return on Equity (ROE) | 13.7821% | 1,060 |
| Retained earnings to average equity (ytd only) | 9.6297% | 1,276 |
| Net charge-offs to loans | -0.0140% | 4,390 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7627% | 2,709 |
| Assets per employee ($millions) | 4.2647% | 3,541 |
| Cash dividends to net income (ytd only)* | 30.1294% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 1,920 |
| Loan loss allowance to noncurrent loans | 84.7754% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.4036% | 1,033 |
| Noncurrent loans to loans | 1.6271% | 1,070 |
| Net loans and leases to total assets | 81.3491% | 746 |
| Net loans and leases to deposits | 94.4531% | 1,191 |
| Net loans and leases to core deposits | 114.2474% | 791 |
| Total domestic deposits to total assets | 86.1264% | 2,490 |
| Equity capital to assets | 8.8640% | 4,692 |
| Core capital (leverage) ratio | 8.6009% | 5,065 |
| Tier 1 risk-based capital ratio | 10.1305% | 5,462 |
| Total risk-based capital ratio | 11.3823% | 5,398 |
| Memoranda: | ||
| Average total assets | $175,867,000 | 3,175 |
| Average earning assets | $161,111,000 | 3,209 |
| Average equity | $15,701,500 | 3,622 |
| Average total loans | $142,784,000 | 2,780 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 543 |
| Cost of funding earning assets | 0.6873% | 1,092 |
| Net interest margin | 4.4038% | 759 |
| Noninterest income to average assets | 0.5526% | 2,703 |
| Noninterest expense to average assets | 3.2175% | 1,573 |
| Loan and lease loss provision to assets | 0.4312% | 329 |
| Net operating income to assets | 0.9499% | 2,448 |
| Return on assets (ROA) | 0.9499% | 2,479 |
| Pretax return on assets | 0.9499% | 3,737 |
| Return on Equity (ROE) | 10.5860% | 1,643 |
| Retained earnings to average equity (ytd only) | 6.6317% | 1,218 |
| Net charge-offs to loans | 0.0545% | 2,716 |
| Credit loss provision to net charge-offs | 972.2222% | 369 |
| Earnings coverage of net charge-offs (x) | 31.1389% | 1,509 |
| Efficiency ratio | 69.9665% | 2,555 |
| Assets per employee ($millions) | 3.8359% | 4,229 |
| Cash dividends to net income (ytd only)* | 37.3541% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 1,682 |
| Loan loss allowance to noncurrent loans | 196.3892% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 2,261 |
| Noncurrent loans to loans | 0.7234% | 2,400 |
| Net loans and leases to total assets | 78.7072% | 1,184 |
| Net loans and leases to deposits | 88.9860% | 1,897 |
| Net loans and leases to core deposits | 107.4220% | 1,186 |
| Total domestic deposits to total assets | 88.4490% | 1,271 |
| Equity capital to assets | 8.9945% | 4,731 |
| Core capital (leverage) ratio | 8.5236% | 5,117 |
| Tier 1 risk-based capital ratio | 10.2784% | 5,454 |
| Total risk-based capital ratio | 11.5302% | 5,377 |
| Memoranda: | ||
| Average total assets | $162,332,000 | 3,321 |
| Average earning assets | $149,144,000 | 3,336 |
| Average equity | $14,566,400 | 3,771 |
| Average total loans | $132,149,600 | 2,885 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 512 |
| Cost of funding earning assets | 0.6781% | 1,083 |
| Net interest margin | 4.4108% | 714 |
| Noninterest income to average assets | 0.5516% | 2,719 |
| Noninterest expense to average assets | 3.3065% | 1,331 |
| Loan and lease loss provision to assets | 0.3922% | 350 |
| Net operating income to assets | 0.9297% | 2,884 |
| Return on assets (ROA) | 0.9297% | 2,942 |
| Pretax return on assets | 0.9297% | 3,935 |
| Return on Equity (ROE) | 10.3675% | 1,961 |
| Retained earnings to average equity (ytd only) | 6.4029% | 2,009 |
| Net charge-offs to loans | 0.0326% | 2,781 |
| Credit loss provision to net charge-offs | 1,468.7500% | 257 |
| Earnings coverage of net charge-offs (x) | 49.4950% | 1,121 |
| Efficiency ratio | 71.4389% | 2,295 |
| Assets per employee ($millions) | 3.7592% | 4,356 |
| Cash dividends to net income (ytd only)* | 38.2408% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 2,428 |
| Loan loss allowance to noncurrent loans | 144.9549% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8065% | 2,131 |
| Noncurrent loans to loans | 0.8872% | 2,158 |
| Net loans and leases to total assets | 82.0047% | 684 |
| Net loans and leases to deposits | 93.2490% | 1,390 |
| Net loans and leases to core deposits | 113.8886% | 846 |
| Total domestic deposits to total assets | 87.9416% | 1,396 |
| Equity capital to assets | 9.2507% | 4,684 |
| Core capital (leverage) ratio | 8.6043% | 5,156 |
| Tier 1 risk-based capital ratio | 10.2401% | 5,531 |
| Total risk-based capital ratio | 11.4908% | 5,476 |
| Memoranda: | ||
| Average total assets | $159,760,750 | 3,380 |
| Average earning assets | $147,664,250 | 3,382 |
| Average equity | $14,326,500 | 3,845 |
| Average total loans | $130,732,000 | 2,933 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 532 |
| Cost of funding earning assets | 0.6590% | 1,094 |
| Net interest margin | 4.3771% | 729 |
| Noninterest income to average assets | 0.5587% | 2,664 |
| Noninterest expense to average assets | 3.4001% | 1,164 |
| Loan and lease loss provision to assets | 0.3674% | 381 |
| Net operating income to assets | 0.8386% | 3,205 |
| Return on assets (ROA) | 0.8386% | 3,261 |
| Pretax return on assets | 0.8386% | 4,132 |
| Return on Equity (ROE) | 9.4560% | 2,295 |
| Retained earnings to average equity (ytd only) | 6.0993% | 2,060 |
| Net charge-offs to loans | 0.0529% | 2,167 |
| Credit loss provision to net charge-offs | 852.9412% | 439 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,521 |
| Efficiency ratio | 73.8174% | 2,046 |
| Assets per employee ($millions) | 3.6733% | 4,475 |
| Cash dividends to net income (ytd only)* | 35.4985% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 3,230 |
| Loan loss allowance to noncurrent loans | 267.4536% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 3,404 |
| Noncurrent loans to loans | 0.4349% | 3,454 |
| Net loans and leases to total assets | 81.5303% | 738 |
| Net loans and leases to deposits | 92.6986% | 1,404 |
| Net loans and leases to core deposits | 113.4373% | 825 |
| Total domestic deposits to total assets | 87.9521% | 1,476 |
| Equity capital to assets | 9.0993% | 4,806 |
| Core capital (leverage) ratio | 8.6339% | 5,105 |
| Tier 1 risk-based capital ratio | 10.1454% | 5,591 |
| Total risk-based capital ratio | 11.2821% | 5,573 |
| Memoranda: | ||
| Average total assets | $157,879,670 | 3,418 |
| Average earning assets | $145,986,670 | 3,414 |
| Average equity | $14,001,670 | 3,886 |
| Average total loans | $128,507,330 | 2,971 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 476 |
| Cost of funding earning assets | 0.6161% | 1,264 |
| Net interest margin | 4.4448% | 581 |
| Noninterest income to average assets | 0.4411% | 3,370 |
| Noninterest expense to average assets | 3.4974% | 1,047 |
| Loan and lease loss provision to assets | 0.2854% | 495 |
| Net operating income to assets | 0.7576% | 3,443 |
| Return on assets (ROA) | 0.7576% | 3,495 |
| Pretax return on assets | 0.7576% | 4,263 |
| Return on Equity (ROE) | 8.6634% | 2,579 |
| Retained earnings to average equity (ytd only) | 6.5272% | 2,062 |
| Net charge-offs to loans | 0.0482% | 1,890 |
| Credit loss provision to net charge-offs | 733.3333% | 440 |
| Earnings coverage of net charge-offs (x) | 26.8000% | 1,292 |
| Efficiency ratio | 77.0286% | 1,751 |
| Assets per employee ($millions) | 3.5433% | 4,731 |
| Cash dividends to net income (ytd only)* | 24.6575% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,687 |
| Loan loss allowance to noncurrent loans | 662.7907% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,418 |
| Noncurrent loans to loans | 0.1668% | 4,519 |
| Net loans and leases to total assets | 79.9296% | 842 |
| Net loans and leases to deposits | 91.3789% | 1,389 |
| Net loans and leases to core deposits | 108.8128% | 933 |
| Total domestic deposits to total assets | 87.4706% | 1,998 |
| Equity capital to assets | 9.3102% | 4,501 |
| Core capital (leverage) ratio | 9.0892% | 4,633 |
| Tier 1 risk-based capital ratio | 10.4811% | 5,552 |
| Total risk-based capital ratio | 11.5527% | 5,557 |
| Memoranda: | ||
| Average total assets | $154,170,500 | 3,502 |
| Average earning assets | $142,190,000 | 3,494 |
| Average equity | $13,482,000 | 3,990 |
| Average total loans | $124,584,000 | 3,042 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8600% | 788 |
| Cost of funding earning assets | 0.5383% | 1,801 |
| Net interest margin | 4.3217% | 898 |
| Noninterest income to average assets | 0.4971% | 3,260 |
| Noninterest expense to average assets | 3.5459% | 1,092 |
| Loan and lease loss provision to assets | 0.2400% | 885 |
| Net operating income to assets | 0.6853% | 3,845 |
| Return on assets (ROA) | 0.6825% | 3,978 |
| Pretax return on assets | 0.6825% | 4,549 |
| Return on Equity (ROE) | 7.9196% | 2,986 |
| Retained earnings to average equity (ytd only) | 0.8323% | 4,991 |
| Net charge-offs to loans | 0.1856% | 1,491 |
| Credit loss provision to net charge-offs | 163.2850% | 1,694 |
| Earnings coverage of net charge-offs (x) | 6.2947% | 3,198 |
| Efficiency ratio | 79.3043% | 1,513 |
| Assets per employee ($millions) | 3.3839% | 4,927 |
| Cash dividends to net income (ytd only)* | 89.4901% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 3,678 |
| Loan loss allowance to noncurrent loans | 549.5868% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,781 |
| Noncurrent loans to loans | 0.2012% | 4,437 |
| Net loans and leases to total assets | 79.9009% | 908 |
| Net loans and leases to deposits | 90.6311% | 1,618 |
| Net loans and leases to core deposits | 109.8019% | 916 |
| Total domestic deposits to total assets | 88.1605% | 1,556 |
| Equity capital to assets | 8.1395% | 5,496 |
| Core capital (leverage) ratio | 7.6201% | 5,723 |
| Tier 1 risk-based capital ratio | 9.4998% | 5,817 |
| Total risk-based capital ratio | 10.6234% | 5,830 |
| Memoranda: | ||
| Average total assets | $140,811,200 | 3,656 |
| Average earning assets | $129,484,600 | 3,655 |
| Average equity | $12,134,400 | 4,232 |
| Average total loans | $111,554,200 | 3,193 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8056% | 887 |
| Cost of funding earning assets | 0.5179% | 1,954 |
| Net interest margin | 4.2877% | 950 |
| Noninterest income to average assets | 0.4919% | 3,310 |
| Noninterest expense to average assets | 3.5611% | 1,055 |
| Loan and lease loss provision to assets | 0.2527% | 740 |
| Net operating income to assets | 0.6225% | 4,195 |
| Return on assets (ROA) | 0.6225% | 4,322 |
| Pretax return on assets | 0.6225% | 4,817 |
| Return on Equity (ROE) | 7.1178% | 3,495 |
| Retained earnings to average equity (ytd only) | 0.8238% | 5,135 |
| Net charge-offs to loans | 0.2121% | 1,099 |
| Credit loss provision to net charge-offs | 151.1494% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.2357% | 3,158 |
| Efficiency ratio | 80.2728% | 1,410 |
| Assets per employee ($millions) | 3.4431% | 4,848 |
| Cash dividends to net income (ytd only)* | 88.4257% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,676 |
| Loan loss allowance to noncurrent loans | 1,073.3333% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 4,205 |
| Noncurrent loans to loans | 0.1052% | 4,919 |
| Net loans and leases to total assets | 77.9669% | 1,203 |
| Net loans and leases to deposits | 88.8479% | 1,914 |
| Net loans and leases to core deposits | 105.6385% | 1,217 |
| Total domestic deposits to total assets | 87.7533% | 1,529 |
| Equity capital to assets | 8.4095% | 5,582 |
| Core capital (leverage) ratio | 7.8369% | 5,747 |
| Tier 1 risk-based capital ratio | 9.3986% | 5,890 |
| Total risk-based capital ratio | 10.4783% | 5,906 |
| Memoranda: | ||
| Average total assets | $138,791,000 | 3,713 |
| Average earning assets | $127,681,000 | 3,706 |
| Average equity | $12,138,250 | 4,266 |
| Average total loans | $109,368,750 | 3,232 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 846 |
| Cost of funding earning assets | 0.5042% | 2,070 |
| Net interest margin | 4.3198% | 888 |
| Noninterest income to average assets | 0.4881% | 3,275 |
| Noninterest expense to average assets | 3.4695% | 1,224 |
| Loan and lease loss provision to assets | 0.2748% | 677 |
| Net operating income to assets | 0.7132% | 3,726 |
| Return on assets (ROA) | 0.7132% | 3,879 |
| Pretax return on assets | 0.7132% | 4,575 |
| Return on Equity (ROE) | 8.0457% | 2,959 |
| Retained earnings to average equity (ytd only) | 2.0444% | 4,542 |
| Net charge-offs to loans | 0.3228% | 731 |
| Credit loss provision to net charge-offs | 108.0460% | 1,991 |
| Earnings coverage of net charge-offs (x) | 3.8851% | 3,047 |
| Efficiency ratio | 77.8361% | 1,816 |
| Assets per employee ($millions) | 3.3761% | 4,962 |
| Cash dividends to net income (ytd only)* | 74.5902% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,974 |
| Loan loss allowance to noncurrent loans | 1,133.6449% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 4,275 |
| Noncurrent loans to loans | 0.0965% | 5,064 |
| Net loans and leases to total assets | 79.1966% | 1,036 |
| Net loans and leases to deposits | 87.2455% | 2,102 |
| Net loans and leases to core deposits | 101.9758% | 1,472 |
| Total domestic deposits to total assets | 90.7745% | 234 |
| Equity capital to assets | 8.8405% | 5,371 |
| Core capital (leverage) ratio | 8.1143% | 5,660 |
| Tier 1 risk-based capital ratio | 10.3721% | 5,731 |
| Total risk-based capital ratio | 11.4901% | 5,703 |
| Memoranda: | ||
| Average total assets | $136,851,330 | 3,774 |
| Average earning assets | $125,747,330 | 3,767 |
| Average equity | $12,130,670 | 4,297 |
| Average total loans | $107,813,000 | 3,273 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7484% | 953 |
| Cost of funding earning assets | 0.5140% | 1,992 |
| Net interest margin | 4.2343% | 1,025 |
| Noninterest income to average assets | 0.4968% | 3,143 |
| Noninterest expense to average assets | 3.5659% | 1,072 |
| Loan and lease loss provision to assets | 0.2205% | 866 |
| Net operating income to assets | 0.5850% | 4,248 |
| Return on assets (ROA) | 0.5850% | 4,363 |
| Pretax return on assets | 0.5850% | 4,862 |
| Return on Equity (ROE) | 6.5908% | 3,680 |
| Retained earnings to average equity (ytd only) | 4.2062% | 3,372 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5736% | 1,412 |
| Assets per employee ($millions) | 3.2779% | 5,160 |
| Cash dividends to net income (ytd only)* | 36.1809% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 3,599 |
| Loan loss allowance to noncurrent loans | 158.2609% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 2,681 |
| Noncurrent loans to loans | 0.7457% | 2,969 |
| Net loans and leases to total assets | 77.4846% | 1,168 |
| Net loans and leases to deposits | 85.3650% | 2,143 |
| Net loans and leases to core deposits | 98.2781% | 1,614 |
| Total domestic deposits to total assets | 90.7685% | 340 |
| Equity capital to assets | 8.8451% | 5,303 |
| Core capital (leverage) ratio | 8.1756% | 5,668 |
| Tier 1 risk-based capital ratio | 10.1388% | 5,880 |
| Total risk-based capital ratio | 11.2872% | 5,846 |
| Memoranda: | ||
| Average total assets | $136,067,000 | 3,803 |
| Average earning assets | $124,506,000 | 3,820 |
| Average equity | $12,077,500 | 4,319 |
| Average total loans | $106,301,000 | 3,307 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 891 |
| Cost of funding earning assets | 0.4921% | 2,233 |
| Net interest margin | 4.3296% | 907 |
| Noninterest income to average assets | 0.4953% | 3,362 |
| Noninterest expense to average assets | 3.5495% | 1,216 |
| Loan and lease loss provision to assets | 0.1996% | 1,079 |
| Net operating income to assets | 0.6413% | 4,078 |
| Return on assets (ROA) | 0.6413% | 4,168 |
| Pretax return on assets | 0.6413% | 4,700 |
| Return on Equity (ROE) | 6.8852% | 3,574 |
| Retained earnings to average equity (ytd only) | 3.9539% | 3,222 |
| Net charge-offs to loans | 0.0641% | 2,944 |
| Credit loss provision to net charge-offs | 415.0943% | 739 |
| Earnings coverage of net charge-offs (x) | 17.4906% | 2,072 |
| Efficiency ratio | 80.8471% | 1,558 |
| Assets per employee ($millions) | 3.3616% | 5,048 |
| Cash dividends to net income (ytd only)* | 42.5743% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,777 |
| Loan loss allowance to noncurrent loans | 133.6678% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 2,432 |
| Noncurrent loans to loans | 0.8571% | 2,638 |
| Net loans and leases to total assets | 76.9396% | 1,263 |
| Net loans and leases to deposits | 84.8257% | 2,264 |
| Net loans and leases to core deposits | 94.0013% | 2,046 |
| Total domestic deposits to total assets | 90.7031% | 375 |
| Equity capital to assets | 8.9080% | 5,210 |
| Core capital (leverage) ratio | 8.4552% | 5,471 |
| Tier 1 risk-based capital ratio | 10.2657% | 5,874 |
| Total risk-based capital ratio | 11.3688% | 5,849 |
| Memoranda: | ||
| Average total assets | $110,240,600 | 4,255 |
| Average earning assets | $99,176,800 | 4,312 |
| Average equity | $10,268,400 | 4,606 |
| Average total loans | $82,678,800 | 3,756 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,120 |
| Cost of funding earning assets | 0.4880% | 2,330 |
| Net interest margin | 4.1986% | 1,169 |
| Noninterest income to average assets | 0.4914% | 3,429 |
| Noninterest expense to average assets | 3.5884% | 1,138 |
| Loan and lease loss provision to assets | 0.1152% | 1,961 |
| Net operating income to assets | 0.5644% | 4,550 |
| Return on assets (ROA) | 0.5644% | 4,635 |
| Pretax return on assets | 0.5644% | 5,057 |
| Return on Equity (ROE) | 5.9749% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.8723% | 4,399 |
| Net charge-offs to loans | 0.0915% | 2,253 |
| Credit loss provision to net charge-offs | 169.8113% | 1,532 |
| Earnings coverage of net charge-offs (x) | 10.0195% | 2,637 |
| Efficiency ratio | 84.0780% | 1,161 |
| Assets per employee ($millions) | 3.6030% | 4,604 |
| Cash dividends to net income (ytd only)* | 51.9278% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 4,184 |
| Loan loss allowance to noncurrent loans | 105.3202% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 2,378 |
| Noncurrent loans to loans | 1.0521% | 2,380 |
| Net loans and leases to total assets | 71.5648% | 2,128 |
| Net loans and leases to deposits | 78.8474% | 3,006 |
| Net loans and leases to core deposits | 86.5027% | 2,795 |
| Total domestic deposits to total assets | 90.7636% | 318 |
| Equity capital to assets | 8.9003% | 5,393 |
| Core capital (leverage) ratio | 9.2378% | 4,682 |
| Tier 1 risk-based capital ratio | 10.9908% | 5,664 |
| Total risk-based capital ratio | 12.0627% | 5,680 |
| Memoranda: | ||
| Average total assets | $104,184,750 | 4,420 |
| Average earning assets | $93,711,750 | 4,489 |
| Average equity | $9,841,000 | 4,742 |
| Average total loans | $77,184,750 | 3,945 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 1,005 |
| Cost of funding earning assets | 0.4979% | 2,270 |
| Net interest margin | 4.2417% | 1,023 |
| Noninterest income to average assets | 0.5038% | 3,343 |
| Noninterest expense to average assets | 3.6200% | 1,087 |
| Loan and lease loss provision to assets | 0.0847% | 2,424 |
| Net operating income to assets | 0.6224% | 4,252 |
| Return on assets (ROA) | 0.6224% | 4,362 |
| Pretax return on assets | 0.6224% | 4,921 |
| Return on Equity (ROE) | 6.4148% | 3,921 |
| Retained earnings to average equity (ytd only) | -8.5530% | 6,146 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6595% | 1,301 |
| Assets per employee ($millions) | 3.2352% | 5,291 |
| Cash dividends to net income (ytd only)* | 233.3333% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 2,355 |
| Loan loss allowance to noncurrent loans | 95.4586% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 1,833 |
| Noncurrent loans to loans | 1.5566% | 1,699 |
| Net loans and leases to total assets | 75.7517% | 1,400 |
| Net loans and leases to deposits | 84.4816% | 2,254 |
| Net loans and leases to core deposits | 95.9667% | 1,807 |
| Total domestic deposits to total assets | 89.6665% | 805 |
| Equity capital to assets | 9.4233% | 4,745 |
| Core capital (leverage) ratio | 8.5032% | 5,529 |
| Tier 1 risk-based capital ratio | 10.9210% | 5,750 |
| Total risk-based capital ratio | 12.1739% | 5,665 |
| Memoranda: | ||
| Average total assets | $94,476,330 | 4,669 |
| Average earning assets | $85,154,670 | 4,702 |
| Average equity | $9,166,330 | 4,907 |
| Average total loans | $70,755,670 | 4,141 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7979% | 868 |
| Cost of funding earning assets | 0.4732% | 2,524 |
| Net interest margin | 4.3248% | 835 |
| Noninterest income to average assets | 0.5063% | 3,250 |
| Noninterest expense to average assets | 3.3838% | 1,517 |
| Loan and lease loss provision to assets | 0.1055% | 1,945 |
| Net operating income to assets | 0.8734% | 2,880 |
| Return on assets (ROA) | 0.8734% | 3,004 |
| Pretax return on assets | 0.8734% | 3,989 |
| Return on Equity (ROE) | 8.8755% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.8755% | 1,243 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5629% | 2,255 |
| Assets per employee ($millions) | 3.5017% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 2,393 |
| Loan loss allowance to noncurrent loans | 108.1883% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.2026% | 2,227 |
| Noncurrent loans to loans | 1.3990% | 2,053 |
| Net loans and leases to total assets | 72.7487% | 1,689 |
| Net loans and leases to deposits | 81.3043% | 2,408 |
| Net loans and leases to core deposits | 92.2702% | 1,922 |
| Total domestic deposits to total assets | 89.4771% | 1,004 |
| Equity capital to assets | 9.9898% | 4,160 |
| Core capital (leverage) ratio | 8.9175% | 5,054 |
| Tier 1 risk-based capital ratio | 11.3220% | 5,649 |
| Total risk-based capital ratio | 12.5733% | 5,556 |
| Memoranda: | ||
| Average total assets | $94,804,000 | 4,697 |
| Average earning assets | $84,536,500 | 4,757 |
| Average equity | $9,329,000 | 4,911 |
| Average total loans | $70,062,000 | 4,179 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 709 |
| Cost of funding earning assets | 0.5013% | 2,663 |
| Net interest margin | 4.5412% | 690 |
| Noninterest income to average assets | 0.6005% | 2,855 |
| Noninterest expense to average assets | 3.2781% | 1,980 |
| Loan and lease loss provision to assets | 0.2589% | 864 |
| Net operating income to assets | 1.1691% | 1,675 |
| Return on assets (ROA) | 1.1669% | 1,764 |
| Pretax return on assets | 1.1834% | 2,719 |
| Return on Equity (ROE) | 11.7769% | 1,470 |
| Retained earnings to average equity (ytd only) | 5.1823% | 2,478 |
| Net charge-offs to loans | 0.0274% | 4,270 |
| Credit loss provision to net charge-offs | 1,236.8421% | 235 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 715 |
| Efficiency ratio | 69.4120% | 3,643 |
| Assets per employee ($millions) | 3.6562% | 4,618 |
| Cash dividends to net income (ytd only)* | 55.9962% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 2,614 |
| Loan loss allowance to noncurrent loans | 323.5110% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 4,122 |
| Noncurrent loans to loans | 0.4539% | 4,291 |
| Net loans and leases to total assets | 72.8514% | 1,785 |
| Net loans and leases to deposits | 81.1383% | 2,586 |
| Net loans and leases to core deposits | 91.9537% | 2,092 |
| Total domestic deposits to total assets | 89.7867% | 841 |
| Equity capital to assets | 9.6916% | 4,479 |
| Core capital (leverage) ratio | 8.8679% | 5,157 |
| Tier 1 risk-based capital ratio | 11.7114% | 5,539 |
| Total risk-based capital ratio | 12.9635% | 5,445 |
| Memoranda: | ||
| Average total assets | $90,754,600 | 4,821 |
| Average earning assets | $82,379,400 | 4,844 |
| Average equity | $8,992,200 | 4,976 |
| Average total loans | $69,221,600 | 4,212 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 689 |
| Cost of funding earning assets | 0.4953% | 2,810 |
| Net interest margin | 4.5722% | 655 |
| Noninterest income to average assets | 0.6780% | 2,437 |
| Noninterest expense to average assets | 3.3200% | 1,861 |
| Loan and lease loss provision to assets | 0.2825% | 722 |
| Net operating income to assets | 1.2310% | 1,577 |
| Return on assets (ROA) | 1.2310% | 1,636 |
| Pretax return on assets | 1.2474% | 2,585 |
| Return on Equity (ROE) | 12.3528% | 1,382 |
| Retained earnings to average equity (ytd only) | 3.5060% | 4,144 |
| Net charge-offs to loans | 0.0677% | 3,237 |
| Credit loss provision to net charge-offs | 542.8571% | 535 |
| Earnings coverage of net charge-offs (x) | 29.3973% | 1,387 |
| Efficiency ratio | 68.4549% | 3,769 |
| Assets per employee ($millions) | 3.6300% | 4,613 |
| Cash dividends to net income (ytd only)* | 71.6188% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 3,404 |
| Loan loss allowance to noncurrent loans | 292.4699% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 4,314 |
| Noncurrent loans to loans | 0.4610% | 4,520 |
| Net loans and leases to total assets | 75.2699% | 1,324 |
| Net loans and leases to deposits | 83.6402% | 2,203 |
| Net loans and leases to core deposits | 94.9770% | 1,761 |
| Total domestic deposits to total assets | 89.9925% | 735 |
| Equity capital to assets | 9.5233% | 4,773 |
| Core capital (leverage) ratio | 8.8709% | 5,232 |
| Tier 1 risk-based capital ratio | 10.9818% | 6,001 |
| Total risk-based capital ratio | 12.2328% | 5,948 |
| Memoranda: | ||
| Average total assets | $89,677,750 | 4,902 |
| Average earning assets | $81,826,250 | 4,908 |
| Average equity | $8,937,000 | 5,026 |
| Average total loans | $68,955,500 | 4,244 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 681 |
| Cost of funding earning assets | 0.4947% | 2,885 |
| Net interest margin | 4.5568% | 630 |
| Noninterest income to average assets | 0.8399% | 1,703 |
| Noninterest expense to average assets | 3.3821% | 1,723 |
| Loan and lease loss provision to assets | 0.3291% | 568 |
| Net operating income to assets | 1.2711% | 1,386 |
| Return on assets (ROA) | 1.2711% | 1,442 |
| Pretax return on assets | 1.2893% | 2,297 |
| Return on Equity (ROE) | 12.5561% | 1,296 |
| Retained earnings to average equity (ytd only) | 4.6413% | 3,198 |
| Net charge-offs to loans | 0.1001% | 2,677 |
| Credit loss provision to net charge-offs | 426.4706% | 661 |
| Earnings coverage of net charge-offs (x) | 20.9706% | 1,564 |
| Efficiency ratio | 67.6350% | 4,079 |
| Assets per employee ($millions) | 3.3220% | 5,220 |
| Cash dividends to net income (ytd only)* | 63.0357% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 4,005 |
| Loan loss allowance to noncurrent loans | 210.6818% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 3,715 |
| Noncurrent loans to loans | 0.6047% | 4,211 |
| Net loans and leases to total assets | 80.0943% | 680 |
| Net loans and leases to deposits | 89.5045% | 1,419 |
| Net loans and leases to core deposits | 101.0181% | 1,204 |
| Total domestic deposits to total assets | 89.4864% | 1,098 |
| Equity capital to assets | 9.9930% | 4,115 |
| Core capital (leverage) ratio | 8.9209% | 5,133 |
| Tier 1 risk-based capital ratio | 11.5117% | 5,792 |
| Total risk-based capital ratio | 12.7624% | 5,752 |
| Memoranda: | ||
| Average total assets | $88,110,670 | 4,973 |
| Average earning assets | $80,451,670 | 4,970 |
| Average equity | $8,920,000 | 5,049 |
| Average total loans | $67,937,330 | 4,299 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 698 |
| Cost of funding earning assets | 0.4839% | 3,077 |
| Net interest margin | 4.5314% | 617 |
| Noninterest income to average assets | 0.9574% | 1,238 |
| Noninterest expense to average assets | 3.3486% | 1,828 |
| Loan and lease loss provision to assets | 0.4123% | 405 |
| Net operating income to assets | 1.2964% | 1,228 |
| Return on assets (ROA) | 1.2964% | 1,274 |
| Pretax return on assets | 1.3147% | 2,047 |
| Return on Equity (ROE) | 12.7212% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.7212% | 523 |
| Net charge-offs to loans | 0.0061% | 3,532 |
| Credit loss provision to net charge-offs | 9,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 125 |
| Efficiency ratio | 65.9747% | 4,532 |
| Assets per employee ($millions) | 3.2921% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 3,801 |
| Loan loss allowance to noncurrent loans | 145.9677% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 4,020 |
| Noncurrent loans to loans | 0.9307% | 3,558 |
| Net loans and leases to total assets | 73.9276% | 1,277 |
| Net loans and leases to deposits | 82.8066% | 1,971 |
| Net loans and leases to core deposits | 93.2469% | 1,615 |
| Total domestic deposits to total assets | 89.2774% | 1,485 |
| Equity capital to assets | 10.1612% | 3,651 |
| Core capital (leverage) ratio | 9.4949% | 4,283 |
| Tier 1 risk-based capital ratio | 12.0745% | 5,592 |
| Total risk-based capital ratio | 13.3255% | 5,527 |
| Memoranda: | ||
| Average total assets | $87,319,500 | 5,037 |
| Average earning assets | $79,357,500 | 5,042 |
| Average equity | $8,898,500 | 5,077 |
| Average total loans | $65,523,000 | 4,408 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 1,041 |
| Cost of funding earning assets | 0.5011% | 3,599 |
| Net interest margin | 4.4277% | 859 |
| Noninterest income to average assets | 0.9993% | 1,397 |
| Noninterest expense to average assets | 3.4869% | 1,684 |
| Loan and lease loss provision to assets | 0.2314% | 1,561 |
| Net operating income to assets | 1.2519% | 1,385 |
| Return on assets (ROA) | 1.2519% | 1,443 |
| Pretax return on assets | 1.2707% | 2,266 |
| Return on Equity (ROE) | 11.5490% | 1,572 |
| Retained earnings to average equity (ytd only) | 1.7306% | 5,009 |
| Net charge-offs to loans | 0.3072% | 2,147 |
| Credit loss provision to net charge-offs | 101.0929% | 2,387 |
| Earnings coverage of net charge-offs (x) | 6.5628% | 3,036 |
| Efficiency ratio | 69.8922% | 3,852 |
| Assets per employee ($millions) | 3.2982% | 5,299 |
| Cash dividends to net income (ytd only)* | 85.0150% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 4,313 |
| Loan loss allowance to noncurrent loans | 206.0606% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 4,857 |
| Noncurrent loans to loans | 0.6146% | 4,442 |
| Net loans and leases to total assets | 74.1825% | 1,317 |
| Net loans and leases to deposits | 83.1271% | 2,040 |
| Net loans and leases to core deposits | 91.4558% | 1,849 |
| Total domestic deposits to total assets | 89.2399% | 1,460 |
| Equity capital to assets | 10.2213% | 3,480 |
| Core capital (leverage) ratio | 9.6391% | 4,066 |
| Tier 1 risk-based capital ratio | 12.2422% | 5,463 |
| Total risk-based capital ratio | 13.4922% | 5,392 |
| Memoranda: | ||
| Average total assets | $79,955,800 | 5,236 |
| Average earning assets | $72,046,800 | 5,255 |
| Average equity | $8,667,400 | 5,171 |
| Average total loans | $59,562,800 | 4,626 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9477% | 1,033 |
| Cost of funding earning assets | 0.5114% | 3,659 |
| Net interest margin | 4.4363% | 828 |
| Noninterest income to average assets | 0.9511% | 1,599 |
| Noninterest expense to average assets | 3.4918% | 1,626 |
| Loan and lease loss provision to assets | 0.2123% | 1,718 |
| Net operating income to assets | 1.2194% | 1,570 |
| Return on assets (ROA) | 1.2194% | 1,642 |
| Pretax return on assets | 1.2398% | 2,551 |
| Return on Equity (ROE) | 11.0761% | 1,790 |
| Retained earnings to average equity (ytd only) | 1.2033% | 5,499 |
| Net charge-offs to loans | 0.2537% | 2,295 |
| Credit loss provision to net charge-offs | 112.6126% | 2,085 |
| Earnings coverage of net charge-offs (x) | 7.7025% | 2,752 |
| Efficiency ratio | 70.6286% | 3,652 |
| Assets per employee ($millions) | 2.9944% | 5,856 |
| Cash dividends to net income (ytd only)* | 89.1362% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,016 |
| Loan loss allowance to noncurrent loans | 167.6113% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 4,534 |
| Noncurrent loans to loans | 0.8186% | 4,196 |
| Net loans and leases to total assets | 76.4534% | 947 |
| Net loans and leases to deposits | 86.6644% | 1,532 |
| Net loans and leases to core deposits | 88.3798% | 2,145 |
| Total domestic deposits to total assets | 88.2177% | 1,984 |
| Equity capital to assets | 11.1529% | 2,615 |
| Core capital (leverage) ratio | 9.9869% | 3,697 |
| Tier 1 risk-based capital ratio | 12.7563% | 5,292 |
| Total risk-based capital ratio | 14.0067% | 5,228 |
| Memoranda: | ||
| Average total assets | $78,506,750 | 5,325 |
| Average earning assets | $70,657,500 | 5,348 |
| Average equity | $8,643,000 | 5,229 |
| Average total loans | $58,346,250 | 4,712 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,071 |
| Cost of funding earning assets | 0.5193% | 3,708 |
| Net interest margin | 4.3918% | 860 |
| Noninterest income to average assets | 0.6427% | 2,950 |
| Noninterest expense to average assets | 3.4932% | 1,621 |
| Loan and lease loss provision to assets | 0.1778% | 2,132 |
| Net operating income to assets | 0.9044% | 2,769 |
| Return on assets (ROA) | 0.9044% | 2,911 |
| Pretax return on assets | 0.9247% | 3,809 |
| Return on Equity (ROE) | 8.2506% | 2,965 |
| Retained earnings to average equity (ytd only) | -1.6687% | 6,152 |
| Net charge-offs to loans | 0.3953% | 1,631 |
| Credit loss provision to net charge-offs | 61.4035% | 2,991 |
| Earnings coverage of net charge-offs (x) | 3.8070% | 3,298 |
| Efficiency ratio | 76.0088% | 2,785 |
| Assets per employee ($millions) | 3.1525% | 5,579 |
| Cash dividends to net income (ytd only)* | 120.2247% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,489 |
| Loan loss allowance to noncurrent loans | 168.8596% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6674% | 4,556 |
| Noncurrent loans to loans | 0.7724% | 4,374 |
| Net loans and leases to total assets | 73.9342% | 1,259 |
| Net loans and leases to deposits | 83.3820% | 1,883 |
| Net loans and leases to core deposits | 84.9985% | 2,437 |
| Total domestic deposits to total assets | 88.6692% | 1,795 |
| Equity capital to assets | 10.8105% | 2,933 |
| Core capital (leverage) ratio | 9.7212% | 3,905 |
| Tier 1 risk-based capital ratio | 12.6814% | 5,368 |
| Total risk-based capital ratio | 13.9318% | 5,311 |
| Memoranda: | ||
| Average total assets | $78,724,330 | 5,349 |
| Average earning assets | $70,858,670 | 5,366 |
| Average equity | $8,629,670 | 5,269 |
| Average total loans | $57,678,330 | 4,758 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 1,410 |
| Cost of funding earning assets | 0.5319% | 3,752 |
| Net interest margin | 4.2160% | 1,151 |
| Noninterest income to average assets | 0.6101% | 3,084 |
| Noninterest expense to average assets | 3.5841% | 1,451 |
| Loan and lease loss provision to assets | 0.1271% | 2,647 |
| Net operating income to assets | 0.6660% | 3,869 |
| Return on assets (ROA) | 0.6660% | 4,021 |
| Pretax return on assets | 0.6863% | 4,634 |
| Return on Equity (ROE) | 6.0337% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.0337% | 2,662 |
| Net charge-offs to loans | 0.1193% | 2,712 |
| Credit loss provision to net charge-offs | 147.0588% | 1,385 |
| Earnings coverage of net charge-offs (x) | 9.4118% | 1,839 |
| Efficiency ratio | 81.5029% | 2,117 |
| Assets per employee ($millions) | 3.0424% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 3,879 |
| Loan loss allowance to noncurrent loans | 127.2446% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 4,128 |
| Noncurrent loans to loans | 1.1700% | 3,819 |
| Net loans and leases to total assets | 68.7631% | 1,881 |
| Net loans and leases to deposits | 77.7576% | 2,372 |
| Net loans and leases to core deposits | 79.8535% | 2,827 |
| Total domestic deposits to total assets | 88.4327% | 2,046 |
| Equity capital to assets | 11.0591% | 2,894 |
| Core capital (leverage) ratio | 9.9707% | 3,421 |
| Tier 1 risk-based capital ratio | 13.8786% | 4,587 |
| Total risk-based capital ratio | 15.1306% | 4,552 |
| Memoranda: | ||
| Average total assets | $78,680,500 | 5,395 |
| Average earning assets | $70,683,500 | 5,422 |
| Average equity | $8,684,500 | 5,309 |
| Average total loans | $56,998,000 | 4,815 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1091% | 1,291 |
| Cost of funding earning assets | 0.6598% | 3,838 |
| Net interest margin | 4.4493% | 1,049 |
| Noninterest income to average assets | 0.7438% | 2,528 |
| Noninterest expense to average assets | 3.3393% | 2,224 |
| Loan and lease loss provision to assets | 0.0907% | 4,554 |
| Net operating income to assets | 1.3140% | 1,265 |
| Return on assets (ROA) | 1.3140% | 1,402 |
| Pretax return on assets | 1.3334% | 2,280 |
| Return on Equity (ROE) | 11.8289% | 1,558 |
| Retained earnings to average equity (ytd only) | 2.0881% | 4,757 |
| Net charge-offs to loans | 0.1360% | 4,324 |
| Credit loss provision to net charge-offs | 92.1053% | 3,390 |
| Earnings coverage of net charge-offs (x) | 14.4605% | 1,733 |
| Efficiency ratio | 70.1034% | 3,797 |
| Assets per employee ($millions) | 3.1304% | 5,784 |
| Cash dividends to net income (ytd only)* | 82.3471% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 4,241 |
| Loan loss allowance to noncurrent loans | 328.2258% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 5,723 |
| Noncurrent loans to loans | 0.4219% | 5,434 |
| Net loans and leases to total assets | 74.0707% | 1,189 |
| Net loans and leases to deposits | 83.7552% | 1,783 |
| Net loans and leases to core deposits | 86.9983% | 2,190 |
| Total domestic deposits to total assets | 88.4371% | 1,940 |
| Equity capital to assets | 11.0160% | 2,932 |
| Core capital (leverage) ratio | 9.5267% | 4,068 |
| Tier 1 risk-based capital ratio | 13.1167% | 5,025 |
| Total risk-based capital ratio | 14.3682% | 4,971 |
| Memoranda: | ||
| Average total assets | $77,171,400 | 5,428 |
| Average earning assets | $69,718,600 | 5,442 |
| Average equity | $8,572,200 | 5,344 |
| Average total loans | $55,876,400 | 4,871 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0646% | 1,513 |
| Cost of funding earning assets | 0.6878% | 3,880 |
| Net interest margin | 4.3768% | 1,252 |
| Noninterest income to average assets | 0.7490% | 2,492 |
| Noninterest expense to average assets | 3.3532% | 2,123 |
| Loan and lease loss provision to assets | 0.0780% | 4,663 |
| Net operating income to assets | 1.2692% | 1,516 |
| Return on assets (ROA) | 1.2692% | 1,674 |
| Pretax return on assets | 1.2900% | 2,640 |
| Return on Equity (ROE) | 11.4016% | 1,820 |
| Retained earnings to average equity (ytd only) | 1.7445% | 5,456 |
| Net charge-offs to loans | 0.1837% | 3,647 |
| Credit loss provision to net charge-offs | 59.2105% | 4,160 |
| Earnings coverage of net charge-offs (x) | 10.3816% | 2,194 |
| Efficiency ratio | 71.0246% | 3,500 |
| Assets per employee ($millions) | 3.1664% | 5,702 |
| Cash dividends to net income (ytd only)* | 84.6995% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,437 |
| Loan loss allowance to noncurrent loans | 848.3871% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 6,426 |
| Noncurrent loans to loans | 0.1634% | 6,203 |
| Net loans and leases to total assets | 70.9083% | 1,739 |
| Net loans and leases to deposits | 79.9826% | 2,394 |
| Net loans and leases to core deposits | 83.0291% | 2,818 |
| Total domestic deposits to total assets | 88.6546% | 1,622 |
| Equity capital to assets | 10.8148% | 3,483 |
| Core capital (leverage) ratio | 9.7226% | 3,917 |
| Tier 1 risk-based capital ratio | 13.2841% | 5,034 |
| Total risk-based capital ratio | 14.5102% | 5,014 |
| Memoranda: | ||
| Average total assets | $76,899,500 | 5,491 |
| Average earning assets | $69,790,250 | 5,494 |
| Average equity | $8,560,000 | 5,394 |
| Average total loans | $55,150,250 | 4,945 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 1,547 |
| Cost of funding earning assets | 0.7059% | 3,965 |
| Net interest margin | 4.3780% | 1,260 |
| Noninterest income to average assets | 0.7486% | 2,421 |
| Noninterest expense to average assets | 3.4303% | 1,956 |
| Loan and lease loss provision to assets | 0.0788% | 4,622 |
| Net operating income to assets | 1.1793% | 1,789 |
| Return on assets (ROA) | 1.1793% | 1,990 |
| Pretax return on assets | 1.1977% | 2,935 |
| Return on Equity (ROE) | 10.4911% | 2,175 |
| Retained earnings to average equity (ytd only) | 1.0281% | 5,665 |
| Net charge-offs to loans | 0.2786% | 2,926 |
| Credit loss provision to net charge-offs | 39.4737% | 4,272 |
| Earnings coverage of net charge-offs (x) | 6.3947% | 2,645 |
| Efficiency ratio | 72.8795% | 3,258 |
| Assets per employee ($millions) | 3.1152% | 5,810 |
| Cash dividends to net income (ytd only)* | 90.2004% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,439 |
| Loan loss allowance to noncurrent loans | 442.2857% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 6,213 |
| Noncurrent loans to loans | 0.3180% | 5,918 |
| Net loans and leases to total assets | 69.6662% | 1,975 |
| Net loans and leases to deposits | 78.6376% | 2,576 |
| Net loans and leases to core deposits | 82.3021% | 2,925 |
| Total domestic deposits to total assets | 88.5914% | 1,761 |
| Equity capital to assets | 10.9091% | 3,218 |
| Core capital (leverage) ratio | 9.9638% | 3,467 |
| Tier 1 risk-based capital ratio | 14.3252% | 4,227 |
| Total risk-based capital ratio | 15.5495% | 4,201 |
| Memoranda: | ||
| Average total assets | $76,146,000 | 5,545 |
| Average earning assets | $68,844,000 | 5,563 |
| Average equity | $8,559,670 | 5,398 |
| Average total loans | $54,560,330 | 5,006 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1865% | 1,348 |
| Cost of funding earning assets | 0.7426% | 3,923 |
| Net interest margin | 4.4439% | 1,121 |
| Noninterest income to average assets | 0.7280% | 2,510 |
| Noninterest expense to average assets | 3.3954% | 2,020 |
| Loan and lease loss provision to assets | 0.0797% | 4,399 |
| Net operating income to assets | 1.2381% | 1,638 |
| Return on assets (ROA) | 1.2381% | 1,817 |
| Pretax return on assets | 1.2593% | 2,696 |
| Return on Equity (ROE) | 10.8479% | 2,091 |
| Retained earnings to average equity (ytd only) | 10.8479% | 1,076 |
| Net charge-offs to loans | 0.0074% | 4,631 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 143 |
| Efficiency ratio | 71.7172% | 3,492 |
| Assets per employee ($millions) | 2.9097% | 6,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 4,053 |
| Loan loss allowance to noncurrent loans | 583.2168% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 6,398 |
| Noncurrent loans to loans | 0.2610% | 6,166 |
| Net loans and leases to total assets | 71.3190% | 1,516 |
| Net loans and leases to deposits | 81.0062% | 2,061 |
| Net loans and leases to core deposits | 82.3263% | 2,780 |
| Total domestic deposits to total assets | 88.0415% | 2,294 |
| Equity capital to assets | 11.4880% | 2,453 |
| Core capital (leverage) ratio | 10.2815% | 3,018 |
| Tier 1 risk-based capital ratio | 13.8590% | 4,563 |
| Total risk-based capital ratio | 15.1118% | 4,539 |
| Memoranda: | ||
| Average total assets | $75,279,000 | 5,608 |
| Average earning assets | $67,868,500 | 5,626 |
| Average equity | $8,591,500 | 5,405 |
| Average total loans | $54,325,500 | 5,053 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4518% | 1,289 |
| Cost of funding earning assets | 0.9493% | 3,730 |
| Net interest margin | 4.5025% | 1,123 |
| Noninterest income to average assets | 0.7256% | 2,471 |
| Noninterest expense to average assets | 3.3567% | 2,349 |
| Loan and lease loss provision to assets | 0.0814% | 5,596 |
| Net operating income to assets | 1.3332% | 1,172 |
| Return on assets (ROA) | 1.3332% | 1,257 |
| Pretax return on assets | 1.3400% | 1,983 |
| Return on Equity (ROE) | 11.6161% | 1,527 |
| Retained earnings to average equity (ytd only) | 0.8863% | 5,445 |
| Net charge-offs to loans | 0.0749% | 5,569 |
| Credit loss provision to net charge-offs | 153.8462% | 1,826 |
| Earnings coverage of net charge-offs (x) | 26.8718% | 926 |
| Efficiency ratio | 70.2526% | 3,897 |
| Assets per employee ($millions) | 2.8810% | 6,316 |
| Cash dividends to net income (ytd only)* | 92.3703% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 3,924 |
| Loan loss allowance to noncurrent loans | 788.4615% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 6,592 |
| Noncurrent loans to loans | 0.1931% | 6,363 |
| Net loans and leases to total assets | 70.8124% | 1,864 |
| Net loans and leases to deposits | 80.3277% | 2,464 |
| Net loans and leases to core deposits | 81.3353% | 3,273 |
| Total domestic deposits to total assets | 88.1543% | 2,056 |
| Equity capital to assets | 11.3370% | 2,654 |
| Core capital (leverage) ratio | 10.0869% | 3,240 |
| Tier 1 risk-based capital ratio | 13.4490% | 4,735 |
| Total risk-based capital ratio | 14.7015% | 4,699 |
| Memoranda: | ||
| Average total assets | $73,732,400 | 5,649 |
| Average earning assets | $66,363,400 | 5,653 |
| Average equity | $8,462,400 | 5,414 |
| Average total loans | $52,063,600 | 5,189 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 1,346 |
| Cost of funding earning assets | 0.9883% | 3,763 |
| Net interest margin | 4.4795% | 1,193 |
| Noninterest income to average assets | 0.7353% | 2,387 |
| Noninterest expense to average assets | 3.3478% | 2,356 |
| Loan and lease loss provision to assets | 0.0817% | 5,419 |
| Net operating income to assets | 1.3344% | 1,297 |
| Return on assets (ROA) | 1.3344% | 1,387 |
| Pretax return on assets | 1.3380% | 2,158 |
| Return on Equity (ROE) | 11.5905% | 1,651 |
| Retained earnings to average equity (ytd only) | 0.8516% | 5,669 |
| Net charge-offs to loans | 0.1007% | 4,981 |
| Credit loss provision to net charge-offs | 115.3846% | 2,831 |
| Earnings coverage of net charge-offs (x) | 20.0508% | 1,241 |
| Efficiency ratio | 70.2209% | 3,920 |
| Assets per employee ($millions) | 2.8719% | 6,369 |
| Cash dividends to net income (ytd only)* | 92.6529% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 3,869 |
| Loan loss allowance to noncurrent loans | 260.5178% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 6,009 |
| Noncurrent loans to loans | 0.5966% | 5,684 |
| Net loans and leases to total assets | 68.2827% | 2,428 |
| Net loans and leases to deposits | 77.5511% | 3,078 |
| Net loans and leases to core deposits | 78.8549% | 3,787 |
| Total domestic deposits to total assets | 88.0486% | 2,012 |
| Equity capital to assets | 11.3769% | 2,796 |
| Core capital (leverage) ratio | 10.0601% | 3,358 |
| Tier 1 risk-based capital ratio | 13.8264% | 4,480 |
| Total risk-based capital ratio | 15.0787% | 4,448 |
| Memoranda: | ||
| Average total assets | $73,439,250 | 5,699 |
| Average earning assets | $66,107,500 | 5,709 |
| Average equity | $8,455,000 | 5,447 |
| Average total loans | $51,614,000 | 5,249 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 1,283 |
| Cost of funding earning assets | 1.0211% | 3,810 |
| Net interest margin | 4.4853% | 1,172 |
| Noninterest income to average assets | 0.7230% | 2,420 |
| Noninterest expense to average assets | 3.4616% | 2,087 |
| Loan and lease loss provision to assets | 0.0822% | 5,283 |
| Net operating income to assets | 1.2214% | 1,507 |
| Return on assets (ROA) | 1.2214% | 1,588 |
| Pretax return on assets | 1.2214% | 2,399 |
| Return on Equity (ROE) | 10.5666% | 1,930 |
| Retained earnings to average equity (ytd only) | -0.1895% | 5,874 |
| Net charge-offs to loans | 0.1591% | 4,225 |
| Credit loss provision to net charge-offs | 73.1707% | 3,976 |
| Earnings coverage of net charge-offs (x) | 11.6098% | 1,700 |
| Efficiency ratio | 72.6437% | 3,608 |
| Assets per employee ($millions) | 2.9405% | 6,216 |
| Cash dividends to net income (ytd only)* | 101.7937% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 4,026 |
| Loan loss allowance to noncurrent loans | 268.9420% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4122% | 6,120 |
| Noncurrent loans to loans | 0.5660% | 5,788 |
| Net loans and leases to total assets | 69.3510% | 2,350 |
| Net loans and leases to deposits | 78.7963% | 2,993 |
| Net loans and leases to core deposits | 80.1352% | 3,767 |
| Total domestic deposits to total assets | 88.0130% | 2,128 |
| Equity capital to assets | 11.4701% | 2,529 |
| Core capital (leverage) ratio | 10.0895% | 3,154 |
| Tier 1 risk-based capital ratio | 13.8357% | 4,284 |
| Total risk-based capital ratio | 15.0612% | 4,274 |
| Memoranda: | ||
| Average total assets | $73,029,330 | 5,752 |
| Average earning assets | $65,814,330 | 5,761 |
| Average equity | $8,441,670 | 5,478 |
| Average total loans | $51,555,000 | 5,300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 1,136 |
| Cost of funding earning assets | 1.0277% | 4,005 |
| Net interest margin | 4.5391% | 984 |
| Noninterest income to average assets | 0.6869% | 2,643 |
| Noninterest expense to average assets | 3.5116% | 1,974 |
| Loan and lease loss provision to assets | 0.0824% | 4,969 |
| Net operating income to assets | 1.1705% | 1,599 |
| Return on assets (ROA) | 1.1705% | 1,652 |
| Pretax return on assets | 1.1705% | 2,477 |
| Return on Equity (ROE) | 10.0870% | 2,063 |
| Retained earnings to average equity (ytd only) | -0.6630% | 5,922 |
| Net charge-offs to loans | 0.3188% | 2,777 |
| Credit loss provision to net charge-offs | 36.5854% | 4,010 |
| Earnings coverage of net charge-offs (x) | 5.5610% | 2,256 |
| Efficiency ratio | 73.7024% | 3,572 |
| Assets per employee ($millions) | 2.9281% | 6,288 |
| Cash dividends to net income (ytd only)* | 106.5728% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 4,183 |
| Loan loss allowance to noncurrent loans | 162.7368% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 5,634 |
| Noncurrent loans to loans | 0.9246% | 5,183 |
| Net loans and leases to total assets | 69.1238% | 2,300 |
| Net loans and leases to deposits | 78.5336% | 2,969 |
| Net loans and leases to core deposits | 79.5535% | 3,812 |
| Total domestic deposits to total assets | 88.0181% | 2,362 |
| Equity capital to assets | 11.5065% | 2,259 |
| Core capital (leverage) ratio | 10.2338% | 2,889 |
| Tier 1 risk-based capital ratio | 13.8093% | 4,204 |
| Total risk-based capital ratio | 15.0347% | 4,202 |
| Memoranda: | ||
| Average total assets | $72,787,500 | 5,796 |
| Average earning assets | $65,387,000 | 5,814 |
| Average equity | $8,446,500 | 5,474 |
| Average total loans | $51,447,500 | 5,347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7868% | 1,305 |
| Cost of funding earning assets | 1.2379% | 4,305 |
| Net interest margin | 4.5490% | 1,136 |
| Noninterest income to average assets | 0.5539% | 3,794 |
| Noninterest expense to average assets | 3.2665% | 2,844 |
| Loan and lease loss provision to assets | 0.1210% | 5,949 |
| Net operating income to assets | 1.2317% | 1,337 |
| Return on assets (ROA) | 1.2317% | 1,410 |
| Pretax return on assets | 1.2531% | 2,071 |
| Return on Equity (ROE) | 10.4565% | 1,774 |
| Retained earnings to average equity (ytd only) | 4.0738% | 3,010 |
| Net charge-offs to loans | 0.1427% | 5,500 |
| Credit loss provision to net charge-offs | 116.4384% | 3,696 |
| Earnings coverage of net charge-offs (x) | 13.2192% | 1,431 |
| Efficiency ratio | 70.3897% | 4,092 |
| Assets per employee ($millions) | 2.7836% | 6,544 |
| Cash dividends to net income (ytd only)* | 61.0405% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 3,774 |
| Loan loss allowance to noncurrent loans | 152.1905% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 5,077 |
| Noncurrent loans to loans | 1.0190% | 5,031 |
| Net loans and leases to total assets | 70.0855% | 2,520 |
| Net loans and leases to deposits | 79.8473% | 3,204 |
| Net loans and leases to core deposits | 80.8941% | 4,080 |
| Total domestic deposits to total assets | 87.7744% | 2,377 |
| Equity capital to assets | 11.7033% | 2,124 |
| Core capital (leverage) ratio | 10.4636% | 2,594 |
| Tier 1 risk-based capital ratio | 13.9527% | 3,898 |
| Total risk-based capital ratio | 15.2063% | 3,863 |
| Memoranda: | ||
| Average total assets | $70,227,600 | 5,882 |
| Average earning assets | $63,091,400 | 5,891 |
| Average equity | $8,272,400 | 5,626 |
| Average total loans | $51,169,400 | 5,437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7669% | 1,492 |
| Cost of funding earning assets | 1.2737% | 4,412 |
| Net interest margin | 4.4931% | 1,272 |
| Noninterest income to average assets | 0.5433% | 3,842 |
| Noninterest expense to average assets | 3.2428% | 2,767 |
| Loan and lease loss provision to assets | 0.0957% | 6,067 |
| Net operating income to assets | 1.2263% | 1,525 |
| Return on assets (ROA) | 1.2263% | 1,600 |
| Pretax return on assets | 1.2474% | 2,347 |
| Return on Equity (ROE) | 10.3934% | 1,977 |
| Retained earnings to average equity (ytd only) | 3.9725% | 3,684 |
| Net charge-offs to loans | 0.2349% | 4,533 |
| Credit loss provision to net charge-offs | 55.5556% | 5,792 |
| Earnings coverage of net charge-offs (x) | 7.7998% | 2,263 |
| Efficiency ratio | 70.7134% | 3,934 |
| Assets per employee ($millions) | 2.8235% | 6,542 |
| Cash dividends to net income (ytd only)* | 61.7785% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 4,441 |
| Loan loss allowance to noncurrent loans | 156.9328% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 5,701 |
| Noncurrent loans to loans | 0.8938% | 5,454 |
| Net loans and leases to total assets | 74.3908% | 1,718 |
| Net loans and leases to deposits | 84.9555% | 2,527 |
| Net loans and leases to core deposits | 86.0921% | 3,639 |
| Total domestic deposits to total assets | 87.5645% | 2,227 |
| Equity capital to assets | 11.8845% | 2,233 |
| Core capital (leverage) ratio | 10.5025% | 2,684 |
| Tier 1 risk-based capital ratio | 13.8772% | 3,935 |
| Total risk-based capital ratio | 15.1297% | 3,900 |
| Memoranda: | ||
| Average total assets | $69,691,250 | 5,951 |
| Average earning assets | $62,701,500 | 5,966 |
| Average equity | $8,223,000 | 5,721 |
| Average total loans | $51,081,250 | 5,526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7129% | 1,716 |
| Cost of funding earning assets | 1.3023% | 4,521 |
| Net interest margin | 4.4106% | 1,418 |
| Noninterest income to average assets | 0.5246% | 3,922 |
| Noninterest expense to average assets | 3.2626% | 2,685 |
| Loan and lease loss provision to assets | 0.0865% | 6,059 |
| Net operating income to assets | 1.1154% | 1,799 |
| Return on assets (ROA) | 1.1154% | 1,867 |
| Pretax return on assets | 1.1385% | 2,636 |
| Return on Equity (ROE) | 9.4764% | 2,280 |
| Retained earnings to average equity (ytd only) | 3.0119% | 4,202 |
| Net charge-offs to loans | 0.3694% | 3,505 |
| Credit loss provision to net charge-offs | 32.2581% | 5,702 |
| Earnings coverage of net charge-offs (x) | 4.5699% | 2,912 |
| Efficiency ratio | 72.7039% | 3,707 |
| Assets per employee ($millions) | 2.7591% | 6,660 |
| Cash dividends to net income (ytd only)* | 68.2171% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 4,337 |
| Loan loss allowance to noncurrent loans | 169.9531% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 5,867 |
| Noncurrent loans to loans | 0.8354% | 5,612 |
| Net loans and leases to total assets | 72.8823% | 2,192 |
| Net loans and leases to deposits | 83.3380% | 3,006 |
| Net loans and leases to core deposits | 84.4737% | 4,071 |
| Total domestic deposits to total assets | 87.4538% | 2,288 |
| Equity capital to assets | 11.9591% | 2,119 |
| Core capital (leverage) ratio | 10.5086% | 2,627 |
| Tier 1 risk-based capital ratio | 13.8404% | 3,842 |
| Total risk-based capital ratio | 15.0926% | 3,806 |
| Memoranda: | ||
| Average total assets | $69,392,330 | 5,994 |
| Average earning assets | $62,350,000 | 6,011 |
| Average equity | $8,167,670 | 5,742 |
| Average total loans | $50,355,670 | 5,588 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 1,812 |
| Cost of funding earning assets | 1.3425% | 4,546 |
| Net interest margin | 4.3487% | 1,539 |
| Noninterest income to average assets | 0.5230% | 3,864 |
| Noninterest expense to average assets | 3.1494% | 3,057 |
| Loan and lease loss provision to assets | 0.0862% | 5,781 |
| Net operating income to assets | 1.1552% | 1,665 |
| Return on assets (ROA) | 1.1552% | 1,744 |
| Pretax return on assets | 1.1782% | 2,442 |
| Return on Equity (ROE) | 9.8929% | 2,139 |
| Retained earnings to average equity (ytd only) | 1.3781% | 5,256 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3542% | 4,057 |
| Assets per employee ($millions) | 2.8932% | 6,454 |
| Cash dividends to net income (ytd only)* | 86.0697% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5986% | 3,449 |
| Loan loss allowance to noncurrent loans | 168.1342% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 5,711 |
| Noncurrent loans to loans | 0.9508% | 5,436 |
| Net loans and leases to total assets | 71.0971% | 2,677 |
| Net loans and leases to deposits | 81.0185% | 3,461 |
| Net loans and leases to core deposits | 82.1059% | 4,475 |
| Total domestic deposits to total assets | 87.7542% | 2,207 |
| Equity capital to assets | 11.7014% | 2,228 |
| Core capital (leverage) ratio | 10.2692% | 2,844 |
| Tier 1 risk-based capital ratio | 13.8048% | 3,795 |
| Total risk-based capital ratio | 15.0290% | 3,764 |
| Memoranda: | ||
| Average total assets | $69,600,000 | 6,055 |
| Average earning assets | $62,271,500 | 6,072 |
| Average equity | $8,127,000 | 5,802 |
| Average total loans | $50,035,500 | 5,662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9771% | 1,955 |
| Cost of funding earning assets | 1.7629% | 4,186 |
| Net interest margin | 4.2142% | 2,019 |
| Noninterest income to average assets | 0.5523% | 4,003 |
| Noninterest expense to average assets | 3.2219% | 3,308 |
| Loan and lease loss provision to assets | 0.0877% | 6,738 |
| Net operating income to assets | 1.0214% | 1,774 |
| Return on assets (ROA) | 1.0214% | 1,817 |
| Pretax return on assets | 1.0360% | 2,475 |
| Return on Equity (ROE) | 8.7181% | 2,114 |
| Retained earnings to average equity (ytd only) | 3.3675% | 2,813 |
| Net charge-offs to loans | 0.0120% | 7,054 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 128.1667% | 221 |
| Efficiency ratio | 74.1426% | 3,868 |
| Assets per employee ($millions) | 2.9068% | 6,443 |
| Cash dividends to net income (ytd only)* | 61.3734% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 3,366 |
| Loan loss allowance to noncurrent loans | 134.5299% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 5,353 |
| Noncurrent loans to loans | 1.1723% | 4,984 |
| Net loans and leases to total assets | 70.4016% | 3,158 |
| Net loans and leases to deposits | 80.2323% | 3,951 |
| Net loans and leases to core deposits | 87.7022% | 5,356 |
| Total domestic deposits to total assets | 87.7473% | 2,097 |
| Equity capital to assets | 11.6521% | 2,216 |
| Core capital (leverage) ratio | 10.4589% | 2,645 |
| Tier 1 risk-based capital ratio | 13.8092% | 3,627 |
| Total risk-based capital ratio | 15.0632% | 3,561 |
| Memoranda: | ||
| Average total assets | $68,438,400 | 6,057 |
| Average earning assets | $61,601,400 | 6,070 |
| Average equity | $8,017,800 | 5,914 |
| Average total loans | $49,910,000 | 5,675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9924% | 2,067 |
| Cost of funding earning assets | 1.8458% | 4,175 |
| Net interest margin | 4.1466% | 2,226 |
| Noninterest income to average assets | 0.5403% | 4,157 |
| Noninterest expense to average assets | 3.1910% | 3,327 |
| Loan and lease loss provision to assets | 0.0881% | 6,483 |
| Net operating income to assets | 0.9867% | 2,106 |
| Return on assets (ROA) | 0.9867% | 2,169 |
| Pretax return on assets | 1.0082% | 2,880 |
| Return on Equity (ROE) | 8.4103% | 2,483 |
| Retained earnings to average equity (ytd only) | 2.3862% | 3,987 |
| Net charge-offs to loans | 0.0187% | 6,647 |
| Credit loss provision to net charge-offs | 642.8571% | 581 |
| Earnings coverage of net charge-offs (x) | 80.0268% | 421 |
| Efficiency ratio | 74.4292% | 3,798 |
| Assets per employee ($millions) | 2.6918% | 6,870 |
| Cash dividends to net income (ytd only)* | 71.6271% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 3,352 |
| Loan loss allowance to noncurrent loans | 101.0485% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 4,724 |
| Noncurrent loans to loans | 1.4988% | 4,414 |
| Net loans and leases to total assets | 74.5014% | 2,380 |
| Net loans and leases to deposits | 85.3522% | 3,441 |
| Net loans and leases to core deposits | 92.9803% | 5,139 |
| Total domestic deposits to total assets | 87.2871% | 2,028 |
| Equity capital to assets | 11.8777% | 2,307 |
| Core capital (leverage) ratio | 10.1106% | 3,160 |
| Tier 1 risk-based capital ratio | 13.5978% | 3,779 |
| Total risk-based capital ratio | 14.8173% | 3,738 |
| Memoranda: | ||
| Average total assets | $68,107,000 | 6,101 |
| Average earning assets | $61,543,500 | 6,120 |
| Average equity | $7,990,000 | 5,983 |
| Average total loans | $49,912,000 | 5,727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0531% | 1,971 |
| Cost of funding earning assets | 1.8912% | 4,309 |
| Net interest margin | 4.1619% | 2,117 |
| Noninterest income to average assets | 0.5206% | 4,269 |
| Noninterest expense to average assets | 3.1677% | 3,438 |
| Loan and lease loss provision to assets | 0.0877% | 6,292 |
| Net operating income to assets | 0.9974% | 2,115 |
| Return on assets (ROA) | 0.9974% | 2,211 |
| Pretax return on assets | 1.0179% | 2,938 |
| Return on Equity (ROE) | 8.5367% | 2,554 |
| Retained earnings to average equity (ytd only) | 3.8303% | 3,159 |
| Net charge-offs to loans | 0.0282% | 6,079 |
| Credit loss provision to net charge-offs | 428.5714% | 1,077 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 654 |
| Efficiency ratio | 74.1273% | 4,015 |
| Assets per employee ($millions) | 2.8549% | 6,500 |
| Cash dividends to net income (ytd only)* | 55.1320% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 3,098 |
| Loan loss allowance to noncurrent loans | 129.8969% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 5,207 |
| Noncurrent loans to loans | 1.1680% | 4,884 |
| Net loans and leases to total assets | 71.6231% | 3,312 |
| Net loans and leases to deposits | 81.8145% | 4,255 |
| Net loans and leases to core deposits | 89.2936% | 5,599 |
| Total domestic deposits to total assets | 87.5432% | 2,000 |
| Equity capital to assets | 11.7314% | 2,364 |
| Core capital (leverage) ratio | 10.1647% | 3,132 |
| Tier 1 risk-based capital ratio | 13.7611% | 3,646 |
| Total risk-based capital ratio | 15.0142% | 3,582 |
| Memoranda: | ||
| Average total assets | $68,378,000 | 6,137 |
| Average earning assets | $61,654,330 | 6,157 |
| Average equity | $7,989,000 | 6,029 |
| Average total loans | $49,580,670 | 5,787 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0662% | 2,085 |
| Cost of funding earning assets | 1.9679% | 4,296 |
| Net interest margin | 4.0983% | 2,276 |
| Noninterest income to average assets | 0.4919% | 4,397 |
| Noninterest expense to average assets | 3.0977% | 3,385 |
| Loan and lease loss provision to assets | 0.0878% | 5,837 |
| Net operating income to assets | 0.9838% | 2,382 |
| Return on assets (ROA) | 0.9838% | 2,513 |
| Pretax return on assets | 1.0013% | 3,342 |
| Return on Equity (ROE) | 8.4374% | 2,950 |
| Retained earnings to average equity (ytd only) | 2.4107% | 4,537 |
| Net charge-offs to loans | 0.0324% | 5,063 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 766 |
| Efficiency ratio | 73.9860% | 3,827 |
| Assets per employee ($millions) | 2.8531% | 6,523 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 3,090 |
| Loan loss allowance to noncurrent loans | 244.7368% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 6,032 |
| Noncurrent loans to loans | 0.6045% | 5,884 |
| Net loans and leases to total assets | 72.3559% | 3,159 |
| Net loans and leases to deposits | 82.6466% | 4,185 |
| Net loans and leases to core deposits | 89.7863% | 5,575 |
| Total domestic deposits to total assets | 87.5486% | 1,950 |
| Equity capital to assets | 11.6424% | 2,484 |
| Core capital (leverage) ratio | 10.0044% | 3,411 |
| Tier 1 risk-based capital ratio | 13.4101% | 3,923 |
| Total risk-based capital ratio | 14.6277% | 3,851 |
| Memoranda: | ||
| Average total assets | $68,308,500 | 6,168 |
| Average earning assets | $61,587,000 | 6,192 |
| Average equity | $7,964,500 | 6,074 |
| Average total loans | $49,456,000 | 5,824 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6036% | 2,475 |
| Cost of funding earning assets | 2.3069% | 5,114 |
| Net interest margin | 4.2967% | 1,989 |
| Noninterest income to average assets | 0.5591% | 4,169 |
| Noninterest expense to average assets | 2.8273% | 4,706 |
| Loan and lease loss provision to assets | 0.0650% | 6,579 |
| Net operating income to assets | 1.5383% | 947 |
| Return on assets (ROA) | 1.5368% | 918 |
| Pretax return on assets | 1.5550% | 1,526 |
| Return on Equity (ROE) | 13.2577% | 1,268 |
| Retained earnings to average equity (ytd only) | 8.2779% | 760 |
| Net charge-offs to loans | 0.0208% | 6,572 |
| Credit loss provision to net charge-offs | 430.0000% | 1,016 |
| Earnings coverage of net charge-offs (x) | 107.3000% | 403 |
| Efficiency ratio | 63.5530% | 5,658 |
| Assets per employee ($millions) | 2.8393% | 6,469 |
| Cash dividends to net income (ytd only)* | 37.5615% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 2,639 |
| Loan loss allowance to noncurrent loans | 226.2346% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 5,637 |
| Noncurrent loans to loans | 0.6664% | 5,368 |
| Net loans and leases to total assets | 70.2787% | 3,954 |
| Net loans and leases to deposits | 80.1734% | 5,018 |
| Net loans and leases to core deposits | 86.6709% | 6,091 |
| Total domestic deposits to total assets | 87.6583% | 1,631 |
| Equity capital to assets | 11.6769% | 2,516 |
| Core capital (leverage) ratio | 10.1377% | 3,327 |
| Tier 1 risk-based capital ratio | 13.6331% | 3,736 |
| Total risk-based capital ratio | 14.8509% | 3,668 |
| Memoranda: | ||
| Average total assets | $66,175,600 | 6,154 |
| Average earning assets | $59,906,600 | 6,174 |
| Average equity | $7,671,000 | 6,221 |
| Average total loans | $48,177,200 | 5,776 |