Home > Utah Independent Bank > Performance and Condition Ratios
Utah Independent Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6734% | 172 |
| Cost of funding earning assets | 1.3871% | 3,431 |
| Net interest margin | 6.2862% | 74 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 2.6025% | 2,010 |
| Loan and lease loss provision to assets | 0.2600% | 429 |
| Net operating income to assets | 3.3930% | 116 |
| Return on assets (ROA) | 3.3930% | 118 |
| Pretax return on assets | 3.3930% | 141 |
| Return on Equity (ROE) | 24.8700% | 199 |
| Retained earnings to average equity (ytd only) | 24.6585% | 73 |
| Net charge-offs to loans | -0.0817% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 41.5744% | 4,244 |
| Assets per employee ($millions) | 6.6519% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.8321% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 1,673 |
| Loan loss allowance to noncurrent loans | 38.4435% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.1328% | 197 |
| Noncurrent loans to loans | 3.4007% | 172 |
| Net loans and leases to total assets | 61.9000% | 2,704 |
| Net loans and leases to deposits | 72.7198% | 2,679 |
| Net loans and leases to core deposits | 78.5388% | 2,776 |
| Total domestic deposits to total assets | 85.1200% | 2,588 |
| Equity capital to assets | 13.7698% | 740 |
| Core capital (leverage) ratio | 14.9604% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $155,850,500 | 3,333 |
| Average earning assets | $144,760,500 | 3,311 |
| Average equity | $21,266,500 | 2,932 |
| Average total loans | $97,947,500 | 3,236 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0197% | 157 |
| Cost of funding earning assets | 1.4695% | 3,409 |
| Net interest margin | 6.5503% | 61 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 3.1964% | 872 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 3.0939% | 132 |
| Return on assets (ROA) | 3.0815% | 134 |
| Pretax return on assets | 3.0815% | 176 |
| Return on Equity (ROE) | 22.4300% | 277 |
| Retained earnings to average equity (ytd only) | 11.5761% | 355 |
| Net charge-offs to loans | 0.0704% | 1,429 |
| Credit loss provision to net charge-offs | 218.7500% | 1,082 |
| Earnings coverage of net charge-offs (x) | 74.1875% | 978 |
| Efficiency ratio | 49.2952% | 4,021 |
| Assets per employee ($millions) | 6.3356% | 2,626 |
| Cash dividends to net income (ytd only)* | 48.3820% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 1,930 |
| Loan loss allowance to noncurrent loans | 35.6844% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 158 |
| Noncurrent loans to loans | 3.4938% | 139 |
| Net loans and leases to total assets | 62.2000% | 2,745 |
| Net loans and leases to deposits | 72.9269% | 2,733 |
| Net loans and leases to core deposits | 79.2791% | 2,827 |
| Total domestic deposits to total assets | 85.2900% | 2,430 |
| Equity capital to assets | 13.5148% | 777 |
| Core capital (leverage) ratio | 14.0040% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $144,412,200 | 3,409 |
| Average earning assets | $132,223,800 | 3,414 |
| Average equity | $19,842,600 | 2,986 |
| Average total loans | $90,939,200 | 3,294 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9462% | 167 |
| Cost of funding earning assets | 1.4542% | 3,441 |
| Net interest margin | 6.4921% | 65 |
| Noninterest income to average assets | 0.5000% | 1,897 |
| Noninterest expense to average assets | 2.7770% | 1,505 |
| Loan and lease loss provision to assets | 0.2300% | 492 |
| Net operating income to assets | 3.4357% | 113 |
| Return on assets (ROA) | 3.4188% | 116 |
| Pretax return on assets | 3.4188% | 152 |
| Return on Equity (ROE) | 24.7700% | 208 |
| Retained earnings to average equity (ytd only) | 24.7734% | 50 |
| Net charge-offs to loans | 0.1070% | 947 |
| Credit loss provision to net charge-offs | 145.8333% | 1,316 |
| Earnings coverage of net charge-offs (x) | 54.4028% | 1,161 |
| Efficiency ratio | 43.1082% | 4,260 |
| Assets per employee ($millions) | 6.2984% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,183 |
| Loan loss allowance to noncurrent loans | 43.3522% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 253 |
| Noncurrent loans to loans | 2.7811% | 233 |
| Net loans and leases to total assets | 62.3900% | 2,688 |
| Net loans and leases to deposits | 74.0899% | 2,673 |
| Net loans and leases to core deposits | 79.9897% | 2,808 |
| Total domestic deposits to total assets | 84.2100% | 2,540 |
| Equity capital to assets | 14.5738% | 637 |
| Core capital (leverage) ratio | 15.6831% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $142,501,500 | 3,424 |
| Average earning assets | $130,473,500 | 3,437 |
| Average equity | $19,665,750 | 2,991 |
| Average total loans | $89,731,500 | 3,314 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8844% | 171 |
| Cost of funding earning assets | 1.4132% | 3,450 |
| Net interest margin | 6.4712% | 68 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.7982% | 1,467 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 3.5529% | 110 |
| Return on assets (ROA) | 3.5271% | 115 |
| Pretax return on assets | 3.5271% | 143 |
| Return on Equity (ROE) | 26.0900% | 196 |
| Retained earnings to average equity (ytd only) | 26.0943% | 57 |
| Net charge-offs to loans | 0.0455% | 1,333 |
| Credit loss provision to net charge-offs | 350.0000% | 766 |
| Earnings coverage of net charge-offs (x) | 127.5500% | 669 |
| Efficiency ratio | 43.3740% | 4,264 |
| Assets per employee ($millions) | 6.0016% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 2,831 |
| Loan loss allowance to noncurrent loans | 37.1119% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.9231% | 193 |
| Noncurrent loans to loans | 2.9493% | 192 |
| Net loans and leases to total assets | 64.4900% | 2,508 |
| Net loans and leases to deposits | 76.1218% | 2,531 |
| Net loans and leases to core deposits | 81.5645% | 2,699 |
| Total domestic deposits to total assets | 84.7200% | 2,393 |
| Equity capital to assets | 14.0046% | 677 |
| Core capital (leverage) ratio | 15.0743% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $139,661,333 | 3,465 |
| Average earning assets | $128,075,000 | 3,469 |
| Average equity | $18,877,667 | 3,025 |
| Average total loans | $87,820,000 | 3,337 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8507% | 177 |
| Cost of funding earning assets | 1.3069% | 3,550 |
| Net interest margin | 6.5439% | 73 |
| Noninterest income to average assets | 0.5100% | 1,724 |
| Noninterest expense to average assets | 3.1774% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.3345% | 137 |
| Return on assets (ROA) | 3.3345% | 136 |
| Pretax return on assets | 3.3345% | 169 |
| Return on Equity (ROE) | 25.1400% | 223 |
| Retained earnings to average equity (ytd only) | 25.1447% | 94 |
| Net charge-offs to loans | 0.1368% | 597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 39.5172% | 1,070 |
| Efficiency ratio | 48.7936% | 4,077 |
| Assets per employee ($millions) | 5.9683% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 2,947 |
| Loan loss allowance to noncurrent loans | 5,272.2222% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,720 |
| Noncurrent loans to loans | 0.0203% | 3,642 |
| Net loans and leases to total assets | 61.2500% | 2,735 |
| Net loans and leases to deposits | 71.6456% | 2,766 |
| Net loans and leases to core deposits | 76.3590% | 2,953 |
| Total domestic deposits to total assets | 85.4900% | 2,256 |
| Equity capital to assets | 13.2386% | 806 |
| Core capital (leverage) ratio | 14.9631% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $137,473,000 | 3,495 |
| Average earning assets | $126,103,000 | 3,498 |
| Average equity | $18,230,500 | 3,078 |
| Average total loans | $84,769,500 | 3,383 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1597% | 198 |
| Cost of funding earning assets | 0.7986% | 3,737 |
| Net interest margin | 6.3611% | 85 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.9742% | 1,157 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 3.2900% | 137 |
| Return on assets (ROA) | 3.0005% | 158 |
| Pretax return on assets | 3.0005% | 205 |
| Return on Equity (ROE) | 23.6300% | 368 |
| Retained earnings to average equity (ytd only) | 11.7253% | 670 |
| Net charge-offs to loans | 0.0732% | 1,123 |
| Credit loss provision to net charge-offs | 131.5789% | 1,583 |
| Earnings coverage of net charge-offs (x) | 78.2807% | 1,035 |
| Efficiency ratio | 47.0574% | 4,144 |
| Assets per employee ($millions) | 5.4878% | 3,262 |
| Cash dividends to net income (ytd only)* | 50.3874% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 1,449 |
| Loan loss allowance to noncurrent loans | 340.8537% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 1,965 |
| Noncurrent loans to loans | 0.4057% | 1,770 |
| Net loans and leases to total assets | 60.5400% | 2,802 |
| Net loans and leases to deposits | 70.8572% | 2,826 |
| Net loans and leases to core deposits | 74.0947% | 3,071 |
| Total domestic deposits to total assets | 85.4400% | 2,176 |
| Equity capital to assets | 13.2857% | 806 |
| Core capital (leverage) ratio | 14.0439% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $133,345,200 | 3,518 |
| Average earning assets | $121,835,000 | 3,525 |
| Average equity | $16,929,200 | 3,101 |
| Average total loans | $77,839,400 | 3,441 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8862% | 215 |
| Cost of funding earning assets | 0.6502% | 3,866 |
| Net interest margin | 6.2360% | 86 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.6037% | 1,930 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 3.5477% | 132 |
| Return on assets (ROA) | 3.3613% | 145 |
| Pretax return on assets | 3.3613% | 174 |
| Return on Equity (ROE) | 26.7800% | 317 |
| Retained earnings to average equity (ytd only) | 26.7820% | 119 |
| Net charge-offs to loans | 0.0259% | 1,554 |
| Credit loss provision to net charge-offs | 333.3333% | 822 |
| Earnings coverage of net charge-offs (x) | 240.6000% | 529 |
| Efficiency ratio | 41.9868% | 4,310 |
| Assets per employee ($millions) | 5.6285% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,232 |
| Loan loss allowance to noncurrent loans | 2,101.8519% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 3,399 |
| Noncurrent loans to loans | 0.0693% | 3,264 |
| Net loans and leases to total assets | 56.8300% | 3,133 |
| Net loans and leases to deposits | 66.8225% | 3,063 |
| Net loans and leases to core deposits | 69.1963% | 3,255 |
| Total domestic deposits to total assets | 85.0400% | 2,484 |
| Equity capital to assets | 13.7388% | 688 |
| Core capital (leverage) ratio | 15.6604% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $133,755,000 | 3,518 |
| Average earning assets | $122,212,750 | 3,532 |
| Average equity | $16,787,000 | 3,097 |
| Average total loans | $77,085,500 | 3,454 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5743% | 241 |
| Cost of funding earning assets | 0.5120% | 3,957 |
| Net interest margin | 6.0623% | 103 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.6854% | 1,673 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 3.3260% | 130 |
| Return on assets (ROA) | 3.0455% | 145 |
| Pretax return on assets | 3.0455% | 197 |
| Return on Equity (ROE) | 25.0700% | 379 |
| Retained earnings to average equity (ytd only) | 25.0674% | 120 |
| Net charge-offs to loans | 0.0417% | 1,096 |
| Credit loss provision to net charge-offs | 156.2500% | 1,173 |
| Earnings coverage of net charge-offs (x) | 140.1250% | 776 |
| Efficiency ratio | 44.3948% | 4,236 |
| Assets per employee ($millions) | 5.5509% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 1,482 |
| Loan loss allowance to noncurrent loans | 2,053.7037% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 1,480 |
| Noncurrent loans to loans | 0.0688% | 3,206 |
| Net loans and leases to total assets | 58.1000% | 2,956 |
| Net loans and leases to deposits | 67.6624% | 2,933 |
| Net loans and leases to core deposits | 69.8530% | 3,140 |
| Total domestic deposits to total assets | 85.8600% | 2,274 |
| Equity capital to assets | 12.9206% | 827 |
| Core capital (leverage) ratio | 14.4818% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $133,311,667 | 3,533 |
| Average earning assets | $121,867,667 | 3,542 |
| Average equity | $16,196,333 | 3,173 |
| Average total loans | $76,814,000 | 3,466 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4079% | 206 |
| Cost of funding earning assets | 0.3017% | 4,193 |
| Net interest margin | 6.1062% | 90 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.6485% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.4254% | 123 |
| Return on assets (ROA) | 3.4254% | 123 |
| Pretax return on assets | 3.4254% | 151 |
| Return on Equity (ROE) | 29.1200% | 251 |
| Retained earnings to average equity (ytd only) | 29.1178% | 120 |
| Net charge-offs to loans | 0.2685% | 283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 22.3922% | 1,425 |
| Efficiency ratio | 43.6049% | 4,319 |
| Assets per employee ($millions) | 5.4626% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 1,855 |
| Loan loss allowance to noncurrent loans | 278.2493% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6110% | 828 |
| Noncurrent loans to loans | 0.4818% | 1,508 |
| Net loans and leases to total assets | 58.8900% | 2,774 |
| Net loans and leases to deposits | 68.2303% | 2,752 |
| Net loans and leases to core deposits | 69.2890% | 2,998 |
| Total domestic deposits to total assets | 86.3100% | 2,503 |
| Equity capital to assets | 12.4818% | 881 |
| Core capital (leverage) ratio | 13.8518% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $133,357,000 | 3,582 |
| Average earning assets | $121,975,000 | 3,582 |
| Average equity | $15,688,000 | 3,242 |
| Average total loans | $75,969,000 | 3,515 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 774 |
| Cost of funding earning assets | 0.1132% | 4,321 |
| Net interest margin | 4.3505% | 380 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.4822% | 2,175 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.9012% | 355 |
| Return on assets (ROA) | 1.8969% | 348 |
| Pretax return on assets | 1.8969% | 592 |
| Return on Equity (ROE) | 17.0900% | 847 |
| Retained earnings to average equity (ytd only) | 8.4792% | 1,649 |
| Net charge-offs to loans | 0.0248% | 1,564 |
| Credit loss provision to net charge-offs | 916.6667% | 457 |
| Earnings coverage of net charge-offs (x) | 156.6111% | 764 |
| Efficiency ratio | 55.1400% | 3,668 |
| Assets per employee ($millions) | 5.6505% | 3,084 |
| Cash dividends to net income (ytd only)* | 50.3776% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,341 |
| Loan loss allowance to noncurrent loans | 135.4061% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 863 |
| Noncurrent loans to loans | 1.0694% | 674 |
| Net loans and leases to total assets | 53.5500% | 3,235 |
| Net loans and leases to deposits | 61.0054% | 3,270 |
| Net loans and leases to core deposits | 61.5562% | 3,417 |
| Total domestic deposits to total assets | 87.7700% | 2,155 |
| Equity capital to assets | 11.0699% | 1,230 |
| Core capital (leverage) ratio | 12.3159% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,595,200 | 3,536 |
| Average earning assets | $128,995,800 | 3,539 |
| Average equity | $15,496,800 | 3,327 |
| Average total loans | $72,685,400 | 3,526 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 1,000 |
| Cost of funding earning assets | 0.0995% | 4,289 |
| Net interest margin | 4.0339% | 600 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.2533% | 2,779 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.8398% | 392 |
| Return on assets (ROA) | 1.8398% | 381 |
| Pretax return on assets | 1.8398% | 675 |
| Return on Equity (ROE) | 16.5600% | 881 |
| Retained earnings to average equity (ytd only) | 16.5617% | 239 |
| Net charge-offs to loans | 0.0313% | 1,212 |
| Credit loss provision to net charge-offs | 705.8824% | 512 |
| Earnings coverage of net charge-offs (x) | 121.1765% | 837 |
| Efficiency ratio | 53.5618% | 3,856 |
| Assets per employee ($millions) | 5.8937% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,487 |
| Loan loss allowance to noncurrent loans | 129.3300% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 954 |
| Noncurrent loans to loans | 1.1111% | 670 |
| Net loans and leases to total assets | 49.6000% | 3,491 |
| Net loans and leases to deposits | 56.4309% | 3,443 |
| Net loans and leases to core deposits | 56.9230% | 3,567 |
| Total domestic deposits to total assets | 87.9000% | 2,457 |
| Equity capital to assets | 10.9545% | 1,194 |
| Core capital (leverage) ratio | 12.7593% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $140,591,250 | 3,553 |
| Average earning assets | $129,994,250 | 3,549 |
| Average equity | $15,618,000 | 3,355 |
| Average total loans | $72,436,000 | 3,545 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9340% | 1,051 |
| Cost of funding earning assets | 0.0941% | 4,255 |
| Net interest margin | 3.8399% | 689 |
| Noninterest income to average assets | 0.3991% | 2,763 |
| Noninterest expense to average assets | 2.3492% | 2,402 |
| Loan and lease loss provision to assets | 0.1069% | 931 |
| Net operating income to assets | 1.4925% | 728 |
| Return on assets (ROA) | 1.4925% | 707 |
| Pretax return on assets | 1.4925% | 1,192 |
| Return on Equity (ROE) | 13.3725% | 1,275 |
| Retained earnings to average equity (ytd only) | 13.3725% | 424 |
| Net charge-offs to loans | 0.0494% | 900 |
| Credit loss provision to net charge-offs | 416.6667% | 689 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 1,063 |
| Efficiency ratio | 59.4946% | 3,367 |
| Assets per employee ($millions) | 5.9529% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,902 |
| Loan loss allowance to noncurrent loans | 130.2667% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 1,080 |
| Noncurrent loans to loans | 1.0482% | 790 |
| Net loans and leases to total assets | 49.3956% | 3,433 |
| Net loans and leases to deposits | 56.0572% | 3,372 |
| Net loans and leases to core deposits | 56.6131% | 3,517 |
| Total domestic deposits to total assets | 88.1164% | 2,527 |
| Equity capital to assets | 10.7665% | 1,329 |
| Core capital (leverage) ratio | 12.0896% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,305,333 | 3,597 |
| Average earning assets | $129,689,333 | 3,602 |
| Average equity | $15,659,000 | 3,433 |
| Average total loans | $72,852,000 | 3,572 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 900 |
| Cost of funding earning assets | 0.0937% | 4,217 |
| Net interest margin | 3.8228% | 610 |
| Noninterest income to average assets | 0.3798% | 2,813 |
| Noninterest expense to average assets | 2.2471% | 2,695 |
| Loan and lease loss provision to assets | 0.0863% | 962 |
| Net operating income to assets | 1.5681% | 556 |
| Return on assets (ROA) | 1.5681% | 550 |
| Pretax return on assets | 1.5681% | 883 |
| Return on Equity (ROE) | 13.7997% | 871 |
| Retained earnings to average equity (ytd only) | 13.7997% | 396 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5959% | 3,724 |
| Assets per employee ($millions) | 5.8050% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,468 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,376 |
| Noncurrent loans to loans | 0.1277% | 3,174 |
| Net loans and leases to total assets | 52.7311% | 2,916 |
| Net loans and leases to deposits | 60.1393% | 2,895 |
| Net loans and leases to core deposits | 60.7550% | 3,082 |
| Total domestic deposits to total assets | 87.6816% | 2,673 |
| Equity capital to assets | 11.1836% | 1,246 |
| Core capital (leverage) ratio | 11.8788% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,023,500 | 3,628 |
| Average earning assets | $128,073,000 | 3,636 |
| Average equity | $15,797,500 | 3,489 |
| Average total loans | $73,504,000 | 3,563 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 711 |
| Cost of funding earning assets | 0.1455% | 4,019 |
| Net interest margin | 4.2596% | 439 |
| Noninterest income to average assets | 1.0501% | 918 |
| Noninterest expense to average assets | 2.6020% | 1,862 |
| Loan and lease loss provision to assets | 0.1185% | 1,058 |
| Net operating income to assets | 2.2623% | 218 |
| Return on assets (ROA) | 2.2615% | 227 |
| Pretax return on assets | 2.2615% | 366 |
| Return on Equity (ROE) | 17.9756% | 470 |
| Retained earnings to average equity (ytd only) | 9.5845% | 1,023 |
| Net charge-offs to loans | 0.0326% | 1,585 |
| Credit loss provision to net charge-offs | 681.8182% | 676 |
| Earnings coverage of net charge-offs (x) | 136.9545% | 719 |
| Efficiency ratio | 52.2201% | 4,094 |
| Assets per employee ($millions) | 5.7803% | 2,978 |
| Cash dividends to net income (ytd only)* | 46.6806% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,517 |
| Loan loss allowance to noncurrent loans | 851.8519% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,407 |
| Noncurrent loans to loans | 0.1488% | 3,192 |
| Net loans and leases to total assets | 51.6648% | 3,102 |
| Net loans and leases to deposits | 59.1591% | 3,150 |
| Net loans and leases to core deposits | 60.1632% | 3,305 |
| Total domestic deposits to total assets | 87.3320% | 2,371 |
| Equity capital to assets | 11.5435% | 1,486 |
| Core capital (leverage) ratio | 11.3911% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,554,800 | 3,731 |
| Average earning assets | $116,841,800 | 3,723 |
| Average equity | $15,921,600 | 3,547 |
| Average total loans | $67,564,800 | 3,698 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 686 |
| Cost of funding earning assets | 0.1609% | 4,007 |
| Net interest margin | 4.3284% | 426 |
| Noninterest income to average assets | 1.1950% | 797 |
| Noninterest expense to average assets | 2.3878% | 2,477 |
| Loan and lease loss provision to assets | 0.1133% | 1,060 |
| Net operating income to assets | 2.7009% | 171 |
| Return on assets (ROA) | 2.6998% | 173 |
| Pretax return on assets | 2.6998% | 251 |
| Return on Equity (ROE) | 20.9742% | 360 |
| Retained earnings to average equity (ytd only) | 20.9742% | 104 |
| Net charge-offs to loans | 0.0442% | 1,228 |
| Credit loss provision to net charge-offs | 477.2727% | 778 |
| Earnings coverage of net charge-offs (x) | 118.5000% | 783 |
| Efficiency ratio | 45.9016% | 4,508 |
| Assets per employee ($millions) | 5.5676% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,571 |
| Loan loss allowance to noncurrent loans | 176.4113% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 1,960 |
| Noncurrent loans to loans | 0.7277% | 1,537 |
| Net loans and leases to total assets | 50.3514% | 3,368 |
| Net loans and leases to deposits | 58.5745% | 3,358 |
| Net loans and leases to core deposits | 59.7199% | 3,488 |
| Total domestic deposits to total assets | 85.9612% | 2,762 |
| Equity capital to assets | 12.8705% | 1,028 |
| Core capital (leverage) ratio | 13.1141% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,511,750 | 3,801 |
| Average earning assets | $114,343,250 | 3,799 |
| Average equity | $15,898,500 | 3,591 |
| Average total loans | $66,307,750 | 3,773 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 1,196 |
| Cost of funding earning assets | 0.1740% | 4,002 |
| Net interest margin | 4.0218% | 789 |
| Noninterest income to average assets | 1.6048% | 482 |
| Noninterest expense to average assets | 2.4887% | 2,182 |
| Loan and lease loss provision to assets | 0.0999% | 1,270 |
| Net operating income to assets | 2.7484% | 160 |
| Return on assets (ROA) | 2.7468% | 163 |
| Pretax return on assets | 2.7468% | 247 |
| Return on Equity (ROE) | 21.3380% | 364 |
| Retained earnings to average equity (ytd only) | 21.3380% | 123 |
| Net charge-offs to loans | 0.0061% | 1,926 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 855.5000% | 157 |
| Efficiency ratio | 46.6313% | 4,486 |
| Assets per employee ($millions) | 5.2968% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,675 |
| Loan loss allowance to noncurrent loans | 586.2069% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 3,469 |
| Noncurrent loans to loans | 0.2133% | 3,194 |
| Net loans and leases to total assets | 52.8020% | 3,273 |
| Net loans and leases to deposits | 61.4604% | 3,258 |
| Net loans and leases to core deposits | 62.8455% | 3,388 |
| Total domestic deposits to total assets | 85.9122% | 2,770 |
| Equity capital to assets | 12.8788% | 986 |
| Core capital (leverage) ratio | 13.0168% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,141,333 | 3,851 |
| Average earning assets | $111,492,333 | 3,847 |
| Average equity | $15,465,333 | 3,636 |
| Average total loans | $65,691,667 | 3,801 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 994 |
| Cost of funding earning assets | 0.1822% | 4,063 |
| Net interest margin | 4.1508% | 663 |
| Noninterest income to average assets | 0.3738% | 3,228 |
| Noninterest expense to average assets | 2.5649% | 1,974 |
| Loan and lease loss provision to assets | 0.0514% | 2,074 |
| Net operating income to assets | 1.5842% | 1,156 |
| Return on assets (ROA) | 1.5842% | 1,209 |
| Pretax return on assets | 1.5842% | 1,776 |
| Return on Equity (ROE) | 12.3102% | 1,901 |
| Retained earnings to average equity (ytd only) | 12.3102% | 1,072 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0612% | 2,902 |
| Assets per employee ($millions) | 5.0165% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,688 |
| Loan loss allowance to noncurrent loans | 418.1347% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 3,363 |
| Noncurrent loans to loans | 0.2978% | 3,031 |
| Net loans and leases to total assets | 53.1600% | 3,327 |
| Net loans and leases to deposits | 61.7196% | 3,350 |
| Net loans and leases to core deposits | 62.9520% | 3,501 |
| Total domestic deposits to total assets | 86.1315% | 2,689 |
| Equity capital to assets | 12.6102% | 1,035 |
| Core capital (leverage) ratio | 13.0599% | 828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,650,000 | 3,894 |
| Average earning assets | $107,546,000 | 3,905 |
| Average equity | $15,012,000 | 3,683 |
| Average total loans | $64,550,500 | 3,835 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3577% | 238 |
| Cost of funding earning assets | 0.2914% | 4,194 |
| Net interest margin | 5.0663% | 110 |
| Noninterest income to average assets | 0.4503% | 2,866 |
| Noninterest expense to average assets | 3.0059% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0853% | 225 |
| Return on assets (ROA) | 2.0853% | 242 |
| Pretax return on assets | 2.0853% | 374 |
| Return on Equity (ROE) | 15.0468% | 641 |
| Retained earnings to average equity (ytd only) | 8.1369% | 1,013 |
| Net charge-offs to loans | 0.1136% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 29.6622% | 1,622 |
| Efficiency ratio | 59.0409% | 3,585 |
| Assets per employee ($millions) | 4.7044% | 3,714 |
| Cash dividends to net income (ytd only)* | 45.9226% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,787 |
| Loan loss allowance to noncurrent loans | 495.0000% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 3,584 |
| Noncurrent loans to loans | 0.2489% | 3,305 |
| Net loans and leases to total assets | 56.2420% | 3,275 |
| Net loans and leases to deposits | 65.7581% | 3,297 |
| Net loans and leases to core deposits | 67.2520% | 3,460 |
| Total domestic deposits to total assets | 85.5285% | 2,557 |
| Equity capital to assets | 13.1456% | 1,045 |
| Core capital (leverage) ratio | 11.9236% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,260,200 | 3,926 |
| Average earning assets | $96,421,200 | 3,938 |
| Average equity | $14,587,800 | 3,688 |
| Average total loans | $65,160,000 | 3,825 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 415 |
| Cost of funding earning assets | 0.2976% | 4,323 |
| Net interest margin | 4.9007% | 167 |
| Noninterest income to average assets | 0.4361% | 2,903 |
| Noninterest expense to average assets | 2.6976% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.2215% | 199 |
| Return on assets (ROA) | 2.2215% | 214 |
| Pretax return on assets | 2.2215% | 326 |
| Return on Equity (ROE) | 15.8076% | 569 |
| Retained earnings to average equity (ytd only) | 15.8076% | 168 |
| Net charge-offs to loans | 0.0245% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 143.5000% | 626 |
| Efficiency ratio | 54.8387% | 4,061 |
| Assets per employee ($millions) | 5.0322% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,634 |
| Loan loss allowance to noncurrent loans | 400.9390% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 3,551 |
| Noncurrent loans to loans | 0.3007% | 3,202 |
| Net loans and leases to total assets | 57.9431% | 3,422 |
| Net loans and leases to deposits | 72.4210% | 3,096 |
| Net loans and leases to core deposits | 73.7149% | 3,338 |
| Total domestic deposits to total assets | 80.0086% | 3,867 |
| Equity capital to assets | 12.7588% | 1,301 |
| Core capital (leverage) ratio | 13.7111% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,349,000 | 3,948 |
| Average earning assets | $94,541,000 | 3,961 |
| Average equity | $14,524,250 | 3,696 |
| Average total loans | $65,377,000 | 3,838 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 369 |
| Cost of funding earning assets | 0.3381% | 4,320 |
| Net interest margin | 5.1098% | 167 |
| Noninterest income to average assets | 1.3164% | 595 |
| Noninterest expense to average assets | 3.0654% | 1,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.9300% | 91 |
| Return on assets (ROA) | 2.9300% | 96 |
| Pretax return on assets | 2.9300% | 126 |
| Return on Equity (ROE) | 20.0853% | 240 |
| Retained earnings to average equity (ytd only) | 20.0853% | 90 |
| Net charge-offs to loans | 0.0409% | 1,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 109.9231% | 658 |
| Efficiency ratio | 51.1286% | 4,423 |
| Assets per employee ($millions) | 4.7987% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,382 |
| Loan loss allowance to noncurrent loans | 231.7935% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 3,035 |
| Noncurrent loans to loans | 0.5286% | 2,579 |
| Net loans and leases to total assets | 59.7044% | 3,359 |
| Net loans and leases to deposits | 75.2613% | 2,944 |
| Net loans and leases to core deposits | 76.9121% | 3,204 |
| Total domestic deposits to total assets | 79.3295% | 3,969 |
| Equity capital to assets | 13.1303% | 1,109 |
| Core capital (leverage) ratio | 13.6267% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,541,333 | 4,030 |
| Average earning assets | $89,319,333 | 4,036 |
| Average equity | $14,229,333 | 3,737 |
| Average total loans | $63,558,333 | 3,881 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9039% | 183 |
| Cost of funding earning assets | 0.3712% | 4,457 |
| Net interest margin | 5.5327% | 85 |
| Noninterest income to average assets | 0.5410% | 2,327 |
| Noninterest expense to average assets | 3.3406% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.2406% | 169 |
| Return on assets (ROA) | 2.2406% | 187 |
| Pretax return on assets | 2.2406% | 272 |
| Return on Equity (ROE) | 14.4236% | 620 |
| Retained earnings to average equity (ytd only) | 14.4236% | 225 |
| Net charge-offs to loans | 0.0793% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 41.4167% | 1,010 |
| Efficiency ratio | 59.8546% | 3,756 |
| Assets per employee ($millions) | 4.7029% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 1,744 |
| Loan loss allowance to noncurrent loans | 125.9587% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 1,780 |
| Noncurrent loans to loans | 1.1010% | 1,505 |
| Net loans and leases to total assets | 67.9581% | 2,545 |
| Net loans and leases to deposits | 82.0905% | 2,443 |
| Net loans and leases to core deposits | 84.1286% | 2,840 |
| Total domestic deposits to total assets | 82.7844% | 3,181 |
| Equity capital to assets | 15.6969% | 634 |
| Core capital (leverage) ratio | 15.5707% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,727,500 | 4,145 |
| Average earning assets | $80,828,500 | 4,154 |
| Average equity | $13,783,000 | 3,799 |
| Average total loans | $60,530,500 | 3,945 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4234% | 121 |
| Cost of funding earning assets | 0.3744% | 4,524 |
| Net interest margin | 6.0490% | 66 |
| Noninterest income to average assets | 0.6820% | 1,879 |
| Noninterest expense to average assets | 3.3540% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.8285% | 93 |
| Return on assets (ROA) | 2.8285% | 96 |
| Pretax return on assets | 2.8285% | 122 |
| Return on Equity (ROE) | 17.9383% | 343 |
| Retained earnings to average equity (ytd only) | 10.3024% | 441 |
| Net charge-offs to loans | -0.0036% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2504% | 4,397 |
| Assets per employee ($millions) | 4.6368% | 3,034 |
| Cash dividends to net income (ytd only)* | 42.5676% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,348 |
| Loan loss allowance to noncurrent loans | 161.2663% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 2,066 |
| Noncurrent loans to loans | 0.9028% | 1,701 |
| Net loans and leases to total assets | 66.5346% | 2,892 |
| Net loans and leases to deposits | 80.0385% | 2,774 |
| Net loans and leases to core deposits | 80.8098% | 3,230 |
| Total domestic deposits to total assets | 83.1283% | 3,156 |
| Equity capital to assets | 15.3689% | 714 |
| Core capital (leverage) ratio | 14.8654% | 717 |
| Tier 1 risk-based capital ratio | 18.7325% | 1,579 |
| Total risk-based capital ratio | 19.9595% | 1,551 |
| Memoranda: | ||
| Average total assets | $83,720,200 | 4,234 |
| Average earning assets | $76,128,400 | 4,247 |
| Average equity | $13,200,800 | 3,870 |
| Average total loans | $55,141,000 | 4,076 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4588% | 118 |
| Cost of funding earning assets | 0.3730% | 4,587 |
| Net interest margin | 6.0857% | 62 |
| Noninterest income to average assets | 0.6826% | 1,861 |
| Noninterest expense to average assets | 3.0482% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.1628% | 71 |
| Return on assets (ROA) | 3.1628% | 75 |
| Pretax return on assets | 3.1628% | 99 |
| Return on Equity (ROE) | 19.9243% | 250 |
| Retained earnings to average equity (ytd only) | 19.9243% | 48 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0777% | 4,794 |
| Assets per employee ($millions) | 4.3729% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,164 |
| Loan loss allowance to noncurrent loans | 145.2101% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 1,910 |
| Noncurrent loans to loans | 1.0541% | 1,518 |
| Net loans and leases to total assets | 66.8982% | 2,937 |
| Net loans and leases to deposits | 82.1820% | 2,663 |
| Net loans and leases to core deposits | 83.0763% | 3,176 |
| Total domestic deposits to total assets | 81.4024% | 3,639 |
| Equity capital to assets | 17.0209% | 480 |
| Core capital (leverage) ratio | 16.2369% | 531 |
| Tier 1 risk-based capital ratio | 21.2326% | 1,167 |
| Total risk-based capital ratio | 22.4830% | 1,148 |
| Memoranda: | ||
| Average total assets | $82,625,250 | 4,302 |
| Average earning assets | $75,059,000 | 4,322 |
| Average equity | $13,116,000 | 3,916 |
| Average total loans | $54,055,500 | 4,146 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3700% | 138 |
| Cost of funding earning assets | 0.3728% | 4,608 |
| Net interest margin | 5.9972% | 66 |
| Noninterest income to average assets | 0.7324% | 1,589 |
| Noninterest expense to average assets | 3.0580% | 1,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.0968% | 80 |
| Return on assets (ROA) | 3.0968% | 85 |
| Pretax return on assets | 3.0968% | 110 |
| Return on Equity (ROE) | 19.9937% | 259 |
| Retained earnings to average equity (ytd only) | 19.9937% | 62 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6848% | 4,798 |
| Assets per employee ($millions) | 4.4108% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,063 |
| Loan loss allowance to noncurrent loans | 127.8107% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 1,743 |
| Noncurrent loans to loans | 1.2388% | 1,286 |
| Net loans and leases to total assets | 64.0801% | 3,329 |
| Net loans and leases to deposits | 77.7842% | 3,167 |
| Net loans and leases to core deposits | 78.6258% | 3,530 |
| Total domestic deposits to total assets | 82.3819% | 3,411 |
| Equity capital to assets | 16.0609% | 611 |
| Core capital (leverage) ratio | 15.8812% | 562 |
| Tier 1 risk-based capital ratio | 19.9161% | 1,365 |
| Total risk-based capital ratio | 21.1663% | 1,338 |
| Memoranda: | ||
| Average total assets | $82,471,670 | 4,335 |
| Average earning assets | $74,568,330 | 4,359 |
| Average equity | $12,774,000 | 3,958 |
| Average total loans | $53,258,330 | 4,194 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4194% | 124 |
| Cost of funding earning assets | 0.3482% | 4,687 |
| Net interest margin | 6.0712% | 66 |
| Noninterest income to average assets | 0.8459% | 1,174 |
| Noninterest expense to average assets | 3.0854% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.2174% | 77 |
| Return on assets (ROA) | 3.2174% | 81 |
| Pretax return on assets | 3.2174% | 109 |
| Return on Equity (ROE) | 21.1729% | 203 |
| Retained earnings to average equity (ytd only) | 21.1729% | 82 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9527% | 4,898 |
| Assets per employee ($millions) | 4.3618% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,065 |
| Loan loss allowance to noncurrent loans | 427.7228% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 3,644 |
| Noncurrent loans to loans | 0.3734% | 3,248 |
| Net loans and leases to total assets | 64.2288% | 3,258 |
| Net loans and leases to deposits | 77.3329% | 3,130 |
| Net loans and leases to core deposits | 78.1860% | 3,500 |
| Total domestic deposits to total assets | 83.0550% | 3,367 |
| Equity capital to assets | 15.4077% | 668 |
| Core capital (leverage) ratio | 15.4372% | 605 |
| Tier 1 risk-based capital ratio | 19.4660% | 1,448 |
| Total risk-based capital ratio | 20.7167% | 1,423 |
| Memoranda: | ||
| Average total assets | $81,804,500 | 4,389 |
| Average earning assets | $73,527,500 | 4,425 |
| Average equity | $12,431,000 | 4,014 |
| Average total loans | $52,604,000 | 4,251 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7681% | 247 |
| Cost of funding earning assets | 0.2393% | 4,858 |
| Net interest margin | 5.5289% | 105 |
| Noninterest income to average assets | 1.1887% | 651 |
| Noninterest expense to average assets | 3.2839% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.8610% | 94 |
| Return on assets (ROA) | 2.8185% | 101 |
| Pretax return on assets | 2.8185% | 126 |
| Return on Equity (ROE) | 19.5584% | 275 |
| Retained earnings to average equity (ytd only) | 11.0825% | 420 |
| Net charge-offs to loans | 0.0148% | 3,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 295.1250% | 330 |
| Efficiency ratio | 53.4411% | 4,665 |
| Assets per employee ($millions) | 4.2492% | 3,538 |
| Cash dividends to net income (ytd only)* | 43.3362% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 849 |
| Loan loss allowance to noncurrent loans | 93.7093% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2027% | 1,086 |
| Noncurrent loans to loans | 1.8038% | 790 |
| Net loans and leases to total assets | 62.2419% | 3,538 |
| Net loans and leases to deposits | 74.4967% | 3,459 |
| Net loans and leases to core deposits | 75.3456% | 3,764 |
| Total domestic deposits to total assets | 83.5499% | 3,141 |
| Equity capital to assets | 14.9786% | 715 |
| Core capital (leverage) ratio | 14.4798% | 805 |
| Tier 1 risk-based capital ratio | 19.2815% | 1,455 |
| Total risk-based capital ratio | 20.5321% | 1,418 |
| Memoranda: | ||
| Average total assets | $82,525,000 | 4,390 |
| Average earning assets | $73,975,200 | 4,424 |
| Average equity | $11,892,600 | 4,043 |
| Average total loans | $53,988,200 | 4,225 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6624% | 274 |
| Cost of funding earning assets | 0.2163% | 4,962 |
| Net interest margin | 5.4461% | 114 |
| Noninterest income to average assets | 1.3691% | 512 |
| Noninterest expense to average assets | 2.9069% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.3568% | 62 |
| Return on assets (ROA) | 3.3086% | 62 |
| Pretax return on assets | 3.3086% | 86 |
| Return on Equity (ROE) | 23.1814% | 123 |
| Retained earnings to average equity (ytd only) | 23.1814% | 31 |
| Net charge-offs to loans | 0.0195% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 261.0366% | 358 |
| Efficiency ratio | 46.4084% | 5,129 |
| Assets per employee ($millions) | 4.3481% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 1,235 |
| Loan loss allowance to noncurrent loans | 44.9766% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 2.3846% | 381 |
| Noncurrent loans to loans | 3.4199% | 285 |
| Net loans and leases to total assets | 66.9483% | 3,076 |
| Net loans and leases to deposits | 80.5136% | 2,985 |
| Net loans and leases to core deposits | 81.4311% | 3,370 |
| Total domestic deposits to total assets | 83.1516% | 3,249 |
| Equity capital to assets | 15.4612% | 626 |
| Core capital (leverage) ratio | 15.6024% | 580 |
| Tier 1 risk-based capital ratio | 19.9357% | 1,348 |
| Total risk-based capital ratio | 21.1855% | 1,314 |
| Memoranda: | ||
| Average total assets | $82,972,500 | 4,421 |
| Average earning assets | $74,572,000 | 4,456 |
| Average equity | $11,842,500 | 4,089 |
| Average total loans | $54,706,500 | 4,258 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 307 |
| Cost of funding earning assets | 0.2027% | 5,016 |
| Net interest margin | 5.3228% | 141 |
| Noninterest income to average assets | 1.7041% | 352 |
| Noninterest expense to average assets | 2.8571% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.5864% | 56 |
| Return on assets (ROA) | 3.5142% | 60 |
| Pretax return on assets | 3.5142% | 76 |
| Return on Equity (ROE) | 25.3201% | 77 |
| Retained earnings to average equity (ytd only) | 25.3201% | 21 |
| Net charge-offs to loans | 0.0369% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 149.0000% | 522 |
| Efficiency ratio | 44.3407% | 5,271 |
| Assets per employee ($millions) | 4.3166% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,182 |
| Loan loss allowance to noncurrent loans | 59.3255% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.7716% | 670 |
| Noncurrent loans to loans | 2.6438% | 468 |
| Net loans and leases to total assets | 65.9591% | 3,158 |
| Net loans and leases to deposits | 78.7392% | 3,082 |
| Net loans and leases to core deposits | 80.1817% | 3,407 |
| Total domestic deposits to total assets | 83.7690% | 3,143 |
| Equity capital to assets | 14.8666% | 712 |
| Core capital (leverage) ratio | 14.8878% | 696 |
| Tier 1 risk-based capital ratio | 19.5018% | 1,430 |
| Total risk-based capital ratio | 20.7521% | 1,393 |
| Memoranda: | ||
| Average total assets | $83,092,330 | 4,468 |
| Average earning assets | $73,984,000 | 4,504 |
| Average equity | $11,532,330 | 4,151 |
| Average total loans | $54,218,000 | 4,300 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 283 |
| Cost of funding earning assets | 0.1835% | 5,106 |
| Net interest margin | 5.2986% | 139 |
| Noninterest income to average assets | 2.7358% | 176 |
| Noninterest expense to average assets | 2.9798% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 4.4529% | 45 |
| Return on assets (ROA) | 4.4529% | 44 |
| Pretax return on assets | 4.4529% | 55 |
| Return on Equity (ROE) | 33.2441% | 32 |
| Retained earnings to average equity (ytd only) | 33.2441% | 15 |
| Net charge-offs to loans | 0.0743% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 93.1000% | 646 |
| Efficiency ratio | 40.0901% | 5,457 |
| Assets per employee ($millions) | 4.2965% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6468% | 1,059 |
| Loan loss allowance to noncurrent loans | 266.8731% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 3,249 |
| Noncurrent loans to loans | 0.6171% | 2,691 |
| Net loans and leases to total assets | 63.0652% | 3,425 |
| Net loans and leases to deposits | 74.7437% | 3,337 |
| Net loans and leases to core deposits | 76.6557% | 3,610 |
| Total domestic deposits to total assets | 84.3752% | 3,160 |
| Equity capital to assets | 14.2749% | 825 |
| Core capital (leverage) ratio | 14.3745% | 792 |
| Tier 1 risk-based capital ratio | 18.4361% | 1,713 |
| Total risk-based capital ratio | 19.6866% | 1,676 |
| Memoranda: | ||
| Average total assets | $83,630,500 | 4,504 |
| Average earning assets | $74,132,500 | 4,551 |
| Average equity | $11,202,000 | 4,246 |
| Average total loans | $53,847,500 | 4,353 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8558% | 880 |
| Cost of funding earning assets | 0.1715% | 5,146 |
| Net interest margin | 4.6843% | 435 |
| Noninterest income to average assets | 0.7040% | 1,946 |
| Noninterest expense to average assets | 3.2045% | 1,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6827% | 543 |
| Return on assets (ROA) | 1.6827% | 556 |
| Pretax return on assets | 1.6827% | 1,051 |
| Return on Equity (ROE) | 12.4604% | 1,090 |
| Retained earnings to average equity (ytd only) | 6.3661% | 1,346 |
| Net charge-offs to loans | 0.0411% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 66.4500% | 887 |
| Efficiency ratio | 65.5699% | 3,331 |
| Assets per employee ($millions) | 4.5067% | 3,172 |
| Cash dividends to net income (ytd only)* | 48.9090% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 1,200 |
| Loan loss allowance to noncurrent loans | 270.8075% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,359 |
| Noncurrent loans to loans | 0.5817% | 2,759 |
| Net loans and leases to total assets | 63.6229% | 3,408 |
| Net loans and leases to deposits | 73.8418% | 3,530 |
| Net loans and leases to core deposits | 75.3513% | 3,794 |
| Total domestic deposits to total assets | 86.1611% | 2,365 |
| Equity capital to assets | 12.5882% | 1,465 |
| Core capital (leverage) ratio | 13.3089% | 1,035 |
| Tier 1 risk-based capital ratio | 15.8650% | 2,486 |
| Total risk-based capital ratio | 17.1145% | 2,427 |
| Memoranda: | ||
| Average total assets | $78,982,200 | 4,612 |
| Average earning assets | $70,534,200 | 4,657 |
| Average equity | $10,665,800 | 4,354 |
| Average total loans | $48,607,400 | 4,497 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 1,023 |
| Cost of funding earning assets | 0.1702% | 5,196 |
| Net interest margin | 4.5820% | 505 |
| Noninterest income to average assets | 0.7018% | 1,992 |
| Noninterest expense to average assets | 3.0280% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8054% | 465 |
| Return on assets (ROA) | 1.8054% | 475 |
| Pretax return on assets | 1.8054% | 882 |
| Return on Equity (ROE) | 13.1231% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.1231% | 215 |
| Net charge-offs to loans | 0.0284% | 2,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 104.7239% | 671 |
| Efficiency ratio | 62.6472% | 3,783 |
| Assets per employee ($millions) | 4.0318% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 870 |
| Loan loss allowance to noncurrent loans | 172.9412% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 2,504 |
| Noncurrent loans to loans | 1.0342% | 1,870 |
| Net loans and leases to total assets | 63.2212% | 3,527 |
| Net loans and leases to deposits | 75.2860% | 3,442 |
| Net loans and leases to core deposits | 77.1412% | 3,715 |
| Total domestic deposits to total assets | 83.9747% | 3,132 |
| Equity capital to assets | 14.6298% | 825 |
| Core capital (leverage) ratio | 14.3122% | 814 |
| Tier 1 risk-based capital ratio | 17.9951% | 1,854 |
| Total risk-based capital ratio | 19.2464% | 1,809 |
| Memoranda: | ||
| Average total assets | $77,320,750 | 4,689 |
| Average earning assets | $69,720,250 | 4,722 |
| Average equity | $10,637,500 | 4,399 |
| Average total loans | $46,921,500 | 4,581 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,302 |
| Cost of funding earning assets | 0.1713% | 5,198 |
| Net interest margin | 4.4073% | 692 |
| Noninterest income to average assets | 0.6988% | 1,998 |
| Noninterest expense to average assets | 3.0583% | 1,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6220% | 663 |
| Return on assets (ROA) | 1.6220% | 688 |
| Pretax return on assets | 1.6220% | 1,274 |
| Return on Equity (ROE) | 12.0410% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.0410% | 315 |
| Net charge-offs to loans | 0.0130% | 2,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 209.6667% | 397 |
| Efficiency ratio | 65.3444% | 3,456 |
| Assets per employee ($millions) | 3.9927% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8656% | 768 |
| Loan loss allowance to noncurrent loans | 325.6410% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,679 |
| Noncurrent loans to loans | 0.5729% | 3,010 |
| Net loans and leases to total assets | 61.6435% | 3,673 |
| Net loans and leases to deposits | 73.0471% | 3,643 |
| Net loans and leases to core deposits | 75.2631% | 3,835 |
| Total domestic deposits to total assets | 84.3888% | 3,055 |
| Equity capital to assets | 14.2324% | 894 |
| Core capital (leverage) ratio | 13.8332% | 901 |
| Tier 1 risk-based capital ratio | 17.6117% | 1,970 |
| Total risk-based capital ratio | 18.8640% | 1,926 |
| Memoranda: | ||
| Average total assets | $77,559,670 | 4,713 |
| Average earning assets | $70,066,330 | 4,746 |
| Average equity | $10,447,670 | 4,446 |
| Average total loans | $46,124,670 | 4,631 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 1,401 |
| Cost of funding earning assets | 0.1705% | 5,237 |
| Net interest margin | 4.3182% | 752 |
| Noninterest income to average assets | 0.6377% | 2,235 |
| Noninterest expense to average assets | 3.0813% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4335% | 930 |
| Return on assets (ROA) | 1.4335% | 956 |
| Pretax return on assets | 1.4335% | 1,754 |
| Return on Equity (ROE) | 10.9413% | 1,589 |
| Retained earnings to average equity (ytd only) | 10.9413% | 618 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2486% | 3,157 |
| Assets per employee ($millions) | 4.1955% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0185% | 651 |
| Loan loss allowance to noncurrent loans | 2,230.0000% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 5,100 |
| Noncurrent loans to loans | 0.0905% | 4,831 |
| Net loans and leases to total assets | 54.3179% | 4,314 |
| Net loans and leases to deposits | 63.4287% | 4,338 |
| Net loans and leases to core deposits | 65.4855% | 4,463 |
| Total domestic deposits to total assets | 85.6361% | 2,821 |
| Equity capital to assets | 13.0755% | 1,225 |
| Core capital (leverage) ratio | 13.4869% | 981 |
| Tier 1 risk-based capital ratio | 15.6785% | 2,671 |
| Total risk-based capital ratio | 16.9288% | 2,617 |
| Memoranda: | ||
| Average total assets | $78,408,500 | 4,745 |
| Average earning assets | $70,400,000 | 4,781 |
| Average equity | $10,273,000 | 4,498 |
| Average total loans | $45,360,500 | 4,695 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 903 |
| Cost of funding earning assets | 0.1867% | 5,143 |
| Net interest margin | 4.6070% | 506 |
| Noninterest income to average assets | 1.0251% | 1,079 |
| Noninterest expense to average assets | 3.5703% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5494% | 763 |
| Return on assets (ROA) | 1.5522% | 780 |
| Pretax return on assets | 1.5522% | 1,425 |
| Return on Equity (ROE) | 11.0333% | 1,567 |
| Retained earnings to average equity (ytd only) | 5.7100% | 1,876 |
| Net charge-offs to loans | 0.1038% | 2,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 23.6383% | 1,667 |
| Efficiency ratio | 69.7358% | 2,952 |
| Assets per employee ($millions) | 4.0581% | 3,851 |
| Cash dividends to net income (ytd only)* | 48.2480% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9170% | 779 |
| Loan loss allowance to noncurrent loans | 883.1683% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 4,791 |
| Noncurrent loans to loans | 0.2171% | 4,375 |
| Net loans and leases to total assets | 59.1910% | 3,939 |
| Net loans and leases to deposits | 69.2913% | 3,979 |
| Net loans and leases to core deposits | 72.6176% | 4,044 |
| Total domestic deposits to total assets | 85.4234% | 2,868 |
| Equity capital to assets | 13.1292% | 1,207 |
| Core capital (leverage) ratio | 13.3717% | 1,015 |
| Tier 1 risk-based capital ratio | 15.9238% | 2,578 |
| Total risk-based capital ratio | 17.1757% | 2,514 |
| Memoranda: | ||
| Average total assets | $71,703,200 | 4,895 |
| Average earning assets | $63,728,800 | 4,949 |
| Average equity | $10,087,600 | 4,557 |
| Average total loans | $45,293,400 | 4,703 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8678% | 781 |
| Cost of funding earning assets | 0.1880% | 5,195 |
| Net interest margin | 4.6798% | 445 |
| Noninterest income to average assets | 1.0670% | 993 |
| Noninterest expense to average assets | 3.4397% | 1,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7777% | 508 |
| Return on assets (ROA) | 1.7777% | 537 |
| Pretax return on assets | 1.7777% | 935 |
| Return on Equity (ROE) | 12.4087% | 1,200 |
| Retained earnings to average equity (ytd only) | 12.4087% | 259 |
| Net charge-offs to loans | 0.1334% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.8440% | 1,848 |
| Efficiency ratio | 65.9281% | 3,603 |
| Assets per employee ($millions) | 3.7277% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 766 |
| Loan loss allowance to noncurrent loans | 726.8293% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 4,745 |
| Noncurrent loans to loans | 0.2703% | 4,294 |
| Net loans and leases to total assets | 62.9981% | 3,524 |
| Net loans and leases to deposits | 75.2885% | 3,472 |
| Net loans and leases to core deposits | 79.3932% | 3,512 |
| Total domestic deposits to total assets | 83.6755% | 3,329 |
| Equity capital to assets | 14.9423% | 753 |
| Core capital (leverage) ratio | 14.9331% | 648 |
| Tier 1 risk-based capital ratio | 18.1932% | 1,860 |
| Total risk-based capital ratio | 19.4472% | 1,833 |
| Memoranda: | ||
| Average total assets | $70,353,250 | 4,967 |
| Average earning assets | $62,394,500 | 5,013 |
| Average equity | $10,078,750 | 4,603 |
| Average total loans | $44,984,250 | 4,753 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8538% | 792 |
| Cost of funding earning assets | 0.1868% | 5,264 |
| Net interest margin | 4.6670% | 444 |
| Noninterest income to average assets | 1.0001% | 1,114 |
| Noninterest expense to average assets | 3.3706% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7579% | 516 |
| Return on assets (ROA) | 1.7579% | 546 |
| Pretax return on assets | 1.7579% | 964 |
| Return on Equity (ROE) | 12.4512% | 1,170 |
| Retained earnings to average equity (ytd only) | 12.4512% | 275 |
| Net charge-offs to loans | 0.1919% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.3488% | 2,062 |
| Efficiency ratio | 65.7222% | 3,722 |
| Assets per employee ($millions) | 3.6185% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 795 |
| Loan loss allowance to noncurrent loans | 1,518.6441% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 2,597 |
| Noncurrent loans to loans | 0.1294% | 4,921 |
| Net loans and leases to total assets | 65.0352% | 3,224 |
| Net loans and leases to deposits | 77.6982% | 3,184 |
| Net loans and leases to core deposits | 82.8970% | 3,181 |
| Total domestic deposits to total assets | 83.7023% | 3,383 |
| Equity capital to assets | 14.9348% | 740 |
| Core capital (leverage) ratio | 14.3829% | 733 |
| Tier 1 risk-based capital ratio | 18.1261% | 1,897 |
| Total risk-based capital ratio | 19.3792% | 1,866 |
| Memoranda: | ||
| Average total assets | $70,195,670 | 5,017 |
| Average earning assets | $62,095,330 | 5,069 |
| Average equity | $9,910,670 | 4,665 |
| Average total loans | $44,808,000 | 4,805 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 905 |
| Cost of funding earning assets | 0.1860% | 5,317 |
| Net interest margin | 4.5866% | 514 |
| Noninterest income to average assets | 1.0153% | 1,042 |
| Noninterest expense to average assets | 3.6550% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3932% | 1,048 |
| Return on assets (ROA) | 1.3932% | 1,109 |
| Pretax return on assets | 1.3932% | 1,925 |
| Return on Equity (ROE) | 10.1521% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.1521% | 819 |
| Net charge-offs to loans | 0.0991% | 1,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 22.4545% | 1,400 |
| Efficiency ratio | 72.4022% | 2,740 |
| Assets per employee ($millions) | 3.6841% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0853% | 705 |
| Loan loss allowance to noncurrent loans | 1,546.6667% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 2,735 |
| Noncurrent loans to loans | 0.1348% | 4,936 |
| Net loans and leases to total assets | 62.2527% | 3,492 |
| Net loans and leases to deposits | 73.5716% | 3,494 |
| Net loans and leases to core deposits | 78.4753% | 3,455 |
| Total domestic deposits to total assets | 84.6151% | 3,272 |
| Equity capital to assets | 14.1077% | 943 |
| Core capital (leverage) ratio | 13.9752% | 816 |
| Tier 1 risk-based capital ratio | 17.7304% | 2,062 |
| Total risk-based capital ratio | 18.9865% | 2,023 |
| Memoranda: | ||
| Average total assets | $70,917,500 | 5,051 |
| Average earning assets | $62,355,000 | 5,112 |
| Average equity | $9,732,000 | 4,719 |
| Average total loans | $44,407,500 | 4,857 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 818 |
| Cost of funding earning assets | 0.1819% | 5,433 |
| Net interest margin | 4.6921% | 451 |
| Noninterest income to average assets | 1.0406% | 1,091 |
| Noninterest expense to average assets | 3.6254% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5624% | 763 |
| Return on assets (ROA) | 1.5639% | 784 |
| Pretax return on assets | 1.5639% | 1,366 |
| Return on Equity (ROE) | 10.9283% | 1,640 |
| Retained earnings to average equity (ytd only) | 5.6285% | 1,997 |
| Net charge-offs to loans | 0.0023% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,030.0000% | 54 |
| Efficiency ratio | 69.8830% | 3,244 |
| Assets per employee ($millions) | 3.7809% | 4,318 |
| Cash dividends to net income (ytd only)* | 48.4966% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 672 |
| Loan loss allowance to noncurrent loans | 1,490.4762% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 2,634 |
| Noncurrent loans to loans | 0.1422% | 4,921 |
| Net loans and leases to total assets | 60.3761% | 3,784 |
| Net loans and leases to deposits | 70.6389% | 3,847 |
| Net loans and leases to core deposits | 73.0025% | 4,041 |
| Total domestic deposits to total assets | 85.4715% | 2,877 |
| Equity capital to assets | 13.3481% | 1,186 |
| Core capital (leverage) ratio | 13.5119% | 964 |
| Tier 1 risk-based capital ratio | 16.7237% | 2,386 |
| Total risk-based capital ratio | 17.9787% | 2,332 |
| Memoranda: | ||
| Average total assets | $65,924,000 | 5,179 |
| Average earning assets | $58,268,600 | 5,231 |
| Average equity | $9,434,200 | 4,761 |
| Average total loans | $42,715,600 | 4,911 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 786 |
| Cost of funding earning assets | 0.1819% | 5,532 |
| Net interest margin | 4.7055% | 447 |
| Noninterest income to average assets | 0.8731% | 1,535 |
| Noninterest expense to average assets | 3.4550% | 1,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5930% | 781 |
| Return on assets (ROA) | 1.5951% | 809 |
| Pretax return on assets | 1.5951% | 1,394 |
| Return on Equity (ROE) | 10.9411% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.9411% | 486 |
| Net charge-offs to loans | 0.0031% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 771.9098% | 98 |
| Efficiency ratio | 68.4426% | 3,462 |
| Assets per employee ($millions) | 3.4749% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1588% | 708 |
| Loan loss allowance to noncurrent loans | 1,444.6154% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.8906% | 2,646 |
| Noncurrent loans to loans | 0.1494% | 5,041 |
| Net loans and leases to total assets | 64.4584% | 3,234 |
| Net loans and leases to deposits | 76.8847% | 3,211 |
| Net loans and leases to core deposits | 80.1409% | 3,416 |
| Total domestic deposits to total assets | 83.8377% | 3,495 |
| Equity capital to assets | 14.9188% | 759 |
| Core capital (leverage) ratio | 14.7704% | 687 |
| Tier 1 risk-based capital ratio | 18.3110% | 1,951 |
| Total risk-based capital ratio | 19.5664% | 1,908 |
| Memoranda: | ||
| Average total assets | $64,445,500 | 5,278 |
| Average earning assets | $57,180,500 | 5,331 |
| Average equity | $9,395,500 | 4,827 |
| Average total loans | $42,316,500 | 4,981 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 851 |
| Cost of funding earning assets | 0.1797% | 5,617 |
| Net interest margin | 4.6438% | 483 |
| Noninterest income to average assets | 0.8386% | 1,638 |
| Noninterest expense to average assets | 3.4950% | 1,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4675% | 954 |
| Return on assets (ROA) | 1.4706% | 999 |
| Pretax return on assets | 1.4706% | 1,726 |
| Return on Equity (ROE) | 10.1688% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.1688% | 634 |
| Net charge-offs to loans | -0.0143% | 5,044 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4288% | 3,270 |
| Assets per employee ($millions) | 3.3532% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2113% | 723 |
| Loan loss allowance to noncurrent loans | 792.4370% | 684 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 2,506 |
| Noncurrent loans to loans | 0.2790% | 4,674 |
| Net loans and leases to total assets | 65.4549% | 3,057 |
| Net loans and leases to deposits | 78.0615% | 3,018 |
| Net loans and leases to core deposits | 81.2984% | 3,252 |
| Total domestic deposits to total assets | 83.8505% | 3,632 |
| Equity capital to assets | 14.9221% | 718 |
| Core capital (leverage) ratio | 14.5630% | 695 |
| Tier 1 risk-based capital ratio | 18.6488% | 1,880 |
| Total risk-based capital ratio | 19.9053% | 1,844 |
| Memoranda: | ||
| Average total assets | $63,919,330 | 5,348 |
| Average earning assets | $56,764,330 | 5,401 |
| Average equity | $9,244,000 | 4,898 |
| Average total loans | $41,923,000 | 5,034 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 919 |
| Cost of funding earning assets | 0.1757% | 5,714 |
| Net interest margin | 4.5886% | 513 |
| Noninterest income to average assets | 0.7747% | 1,812 |
| Noninterest expense to average assets | 3.7799% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0746% | 1,950 |
| Return on assets (ROA) | 1.0746% | 2,071 |
| Pretax return on assets | 1.0746% | 3,195 |
| Return on Equity (ROE) | 7.5501% | 3,193 |
| Retained earnings to average equity (ytd only) | 7.5501% | 1,742 |
| Net charge-offs to loans | -0.0192% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8636% | 2,203 |
| Assets per employee ($millions) | 3.6271% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3171% | 694 |
| Loan loss allowance to noncurrent loans | 1,308.3333% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 2,815 |
| Noncurrent loans to loans | 0.1771% | 5,143 |
| Net loans and leases to total assets | 60.8274% | 3,549 |
| Net loans and leases to deposits | 72.1045% | 3,527 |
| Net loans and leases to core deposits | 75.6409% | 3,629 |
| Total domestic deposits to total assets | 84.3601% | 3,672 |
| Equity capital to assets | 14.1542% | 933 |
| Core capital (leverage) ratio | 14.4129% | 712 |
| Tier 1 risk-based capital ratio | 17.4863% | 2,305 |
| Total risk-based capital ratio | 18.7373% | 2,261 |
| Memoranda: | ||
| Average total assets | $64,023,500 | 5,395 |
| Average earning assets | $56,924,000 | 5,447 |
| Average equity | $9,112,500 | 4,960 |
| Average total loans | $41,562,000 | 5,085 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 1,080 |
| Cost of funding earning assets | 0.1943% | 5,794 |
| Net interest margin | 4.6245% | 595 |
| Noninterest income to average assets | 0.9651% | 1,306 |
| Noninterest expense to average assets | 3.6976% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3686% | 1,145 |
| Return on assets (ROA) | 1.3910% | 1,135 |
| Pretax return on assets | 1.3910% | 1,916 |
| Return on Equity (ROE) | 9.8618% | 2,175 |
| Retained earnings to average equity (ytd only) | 4.9422% | 2,641 |
| Net charge-offs to loans | 0.1171% | 2,869 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 17.8750% | 1,884 |
| Efficiency ratio | 72.9849% | 3,035 |
| Assets per employee ($millions) | 3.4866% | 4,926 |
| Cash dividends to net income (ytd only)* | 49.8853% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2134% | 807 |
| Loan loss allowance to noncurrent loans | 746.0317% | 771 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 2,676 |
| Noncurrent loans to loans | 0.2967% | 4,786 |
| Net loans and leases to total assets | 66.1722% | 2,856 |
| Net loans and leases to deposits | 78.2577% | 2,943 |
| Net loans and leases to core deposits | 81.4374% | 3,157 |
| Total domestic deposits to total assets | 84.5568% | 3,481 |
| Equity capital to assets | 14.3151% | 870 |
| Core capital (leverage) ratio | 13.7288% | 890 |
| Tier 1 risk-based capital ratio | 18.9182% | 1,873 |
| Total risk-based capital ratio | 20.1775% | 1,831 |
| Memoranda: | ||
| Average total assets | $62,690,000 | 5,483 |
| Average earning assets | $55,595,400 | 5,530 |
| Average equity | $8,842,200 | 5,012 |
| Average total loans | $41,007,000 | 5,147 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 1,101 |
| Cost of funding earning assets | 0.1977% | 5,853 |
| Net interest margin | 4.6057% | 610 |
| Noninterest income to average assets | 0.8914% | 1,549 |
| Noninterest expense to average assets | 3.5443% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4105% | 1,110 |
| Return on assets (ROA) | 1.4211% | 1,127 |
| Pretax return on assets | 1.4211% | 1,926 |
| Return on Equity (ROE) | 10.1132% | 2,164 |
| Retained earnings to average equity (ytd only) | 10.1132% | 674 |
| Net charge-offs to loans | 0.1640% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.2590% | 2,244 |
| Efficiency ratio | 71.5328% | 3,264 |
| Assets per employee ($millions) | 3.4399% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 887 |
| Loan loss allowance to noncurrent loans | 613.0719% | 837 |
| Noncurrent assets plus other real estate owned to assets | 1.3066% | 2,372 |
| Noncurrent loans to loans | 0.3657% | 4,816 |
| Net loans and leases to total assets | 66.0600% | 2,860 |
| Net loans and leases to deposits | 78.5992% | 2,880 |
| Net loans and leases to core deposits | 81.5402% | 3,148 |
| Total domestic deposits to total assets | 84.0466% | 3,739 |
| Equity capital to assets | 14.8600% | 763 |
| Core capital (leverage) ratio | 14.6583% | 687 |
| Tier 1 risk-based capital ratio | 19.9987% | 1,674 |
| Total risk-based capital ratio | 21.2561% | 1,642 |
| Memoranda: | ||
| Average total assets | $62,672,750 | 5,544 |
| Average earning assets | $55,292,500 | 5,609 |
| Average equity | $8,806,750 | 5,065 |
| Average total loans | $40,641,500 | 5,209 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 1,209 |
| Cost of funding earning assets | 0.2018% | 5,895 |
| Net interest margin | 4.5343% | 658 |
| Noninterest income to average assets | 0.8741% | 1,576 |
| Noninterest expense to average assets | 3.5567% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3159% | 1,264 |
| Return on assets (ROA) | 1.3318% | 1,273 |
| Pretax return on assets | 1.3318% | 2,143 |
| Return on Equity (ROE) | 9.6596% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.6596% | 805 |
| Net charge-offs to loans | 0.1342% | 2,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 1,856 |
| Efficiency ratio | 72.9941% | 3,163 |
| Assets per employee ($millions) | 3.5141% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3316% | 869 |
| Loan loss allowance to noncurrent loans | 644.9664% | 731 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 2,502 |
| Noncurrent loans to loans | 0.3615% | 4,911 |
| Net loans and leases to total assets | 63.6402% | 3,135 |
| Net loans and leases to deposits | 75.0382% | 3,189 |
| Net loans and leases to core deposits | 78.0574% | 3,429 |
| Total domestic deposits to total assets | 84.8104% | 3,597 |
| Equity capital to assets | 14.1793% | 905 |
| Core capital (leverage) ratio | 14.1476% | 792 |
| Tier 1 risk-based capital ratio | 19.3793% | 1,829 |
| Total risk-based capital ratio | 20.6377% | 1,794 |
| Memoranda: | ||
| Average total assets | $62,924,330 | 5,588 |
| Average earning assets | $55,488,330 | 5,641 |
| Average equity | $8,675,330 | 5,116 |
| Average total loans | $40,241,670 | 5,264 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 1,347 |
| Cost of funding earning assets | 0.2023% | 5,970 |
| Net interest margin | 4.4569% | 718 |
| Noninterest income to average assets | 0.8668% | 1,497 |
| Noninterest expense to average assets | 3.8369% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9624% | 2,341 |
| Return on assets (ROA) | 0.9688% | 2,394 |
| Pretax return on assets | 0.9688% | 3,446 |
| Return on Equity (ROE) | 7.1290% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.1290% | 1,968 |
| Net charge-offs to loans | 0.0101% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 151.0000% | 322 |
| Efficiency ratio | 79.9469% | 2,219 |
| Assets per employee ($millions) | 3.5103% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4999% | 811 |
| Loan loss allowance to noncurrent loans | 381.0811% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4798% | 2,389 |
| Noncurrent loans to loans | 0.6560% | 4,223 |
| Net loans and leases to total assets | 60.9243% | 3,411 |
| Net loans and leases to deposits | 71.3518% | 3,424 |
| Net loans and leases to core deposits | 74.4916% | 3,591 |
| Total domestic deposits to total assets | 85.3858% | 3,678 |
| Equity capital to assets | 13.6441% | 1,055 |
| Core capital (leverage) ratio | 14.0509% | 807 |
| Tier 1 risk-based capital ratio | 19.3890% | 1,860 |
| Total risk-based capital ratio | 20.6515% | 1,832 |
| Memoranda: | ||
| Average total assets | $62,759,500 | 5,649 |
| Average earning assets | $55,375,000 | 5,687 |
| Average equity | $8,528,500 | 5,172 |
| Average total loans | $39,754,500 | 5,337 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 1,368 |
| Cost of funding earning assets | 0.2254% | 6,144 |
| Net interest margin | 4.5548% | 662 |
| Noninterest income to average assets | 0.9200% | 1,612 |
| Noninterest expense to average assets | 3.9360% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9938% | 2,352 |
| Return on assets (ROA) | 0.9988% | 2,397 |
| Pretax return on assets | 0.9988% | 3,352 |
| Return on Equity (ROE) | 7.1858% | 3,460 |
| Retained earnings to average equity (ytd only) | 3.9410% | 3,398 |
| Net charge-offs to loans | 0.3023% | 2,176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.2696% | 3,344 |
| Efficiency ratio | 79.8403% | 2,172 |
| Assets per employee ($millions) | 3.1167% | 5,643 |
| Cash dividends to net income (ytd only)* | 45.1560% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4683% | 855 |
| Loan loss allowance to noncurrent loans | 305.8824% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 1.6235% | 2,285 |
| Noncurrent loans to loans | 0.8070% | 3,958 |
| Net loans and leases to total assets | 62.6287% | 3,270 |
| Net loans and leases to deposits | 73.2315% | 3,368 |
| Net loans and leases to core deposits | 76.3539% | 3,573 |
| Total domestic deposits to total assets | 85.5215% | 3,497 |
| Equity capital to assets | 13.5335% | 1,054 |
| Core capital (leverage) ratio | 13.6369% | 916 |
| Tier 1 risk-based capital ratio | 18.9629% | 1,934 |
| Total risk-based capital ratio | 20.2237% | 1,888 |
| Memoranda: | ||
| Average total assets | $60,975,200 | 5,732 |
| Average earning assets | $53,679,200 | 5,778 |
| Average equity | $8,475,000 | 5,217 |
| Average total loans | $38,047,400 | 5,422 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 1,460 |
| Cost of funding earning assets | 0.2327% | 6,204 |
| Net interest margin | 4.5247% | 707 |
| Noninterest income to average assets | 0.8993% | 1,758 |
| Noninterest expense to average assets | 3.7491% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1258% | 1,904 |
| Return on assets (ROA) | 1.1324% | 1,947 |
| Pretax return on assets | 1.1324% | 2,971 |
| Return on Equity (ROE) | 8.0928% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.0928% | 1,373 |
| Net charge-offs to loans | 0.2201% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 8.2585% | 2,649 |
| Efficiency ratio | 76.9057% | 2,576 |
| Assets per employee ($millions) | 3.0604% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6570% | 784 |
| Loan loss allowance to noncurrent loans | 255.7740% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 1.5390% | 2,625 |
| Noncurrent loans to loans | 1.0388% | 3,723 |
| Net loans and leases to total assets | 62.3099% | 3,305 |
| Net loans and leases to deposits | 73.3395% | 3,344 |
| Net loans and leases to core deposits | 76.2943% | 3,584 |
| Total domestic deposits to total assets | 84.9609% | 3,770 |
| Equity capital to assets | 14.1454% | 924 |
| Core capital (leverage) ratio | 14.2267% | 813 |
| Tier 1 risk-based capital ratio | 19.6682% | 1,823 |
| Total risk-based capital ratio | 20.9313% | 1,777 |
| Memoranda: | ||
| Average total assets | $60,635,500 | 5,804 |
| Average earning assets | $53,277,000 | 5,854 |
| Average equity | $8,484,750 | 5,275 |
| Average total loans | $37,552,500 | 5,494 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7861% | 1,357 |
| Cost of funding earning assets | 0.2337% | 6,280 |
| Net interest margin | 4.5525% | 644 |
| Noninterest income to average assets | 0.9596% | 1,628 |
| Noninterest expense to average assets | 3.8547% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1018% | 1,919 |
| Return on assets (ROA) | 1.1084% | 2,018 |
| Pretax return on assets | 1.1084% | 3,062 |
| Return on Equity (ROE) | 7.9506% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.9506% | 1,505 |
| Net charge-offs to loans | -0.0270% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7704% | 2,498 |
| Assets per employee ($millions) | 3.0480% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8414% | 678 |
| Loan loss allowance to noncurrent loans | 222.0441% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 2.0817% | 2,075 |
| Noncurrent loans to loans | 1.2797% | 3,416 |
| Net loans and leases to total assets | 62.1506% | 3,265 |
| Net loans and leases to deposits | 72.8947% | 3,321 |
| Net loans and leases to core deposits | 76.2575% | 3,515 |
| Total domestic deposits to total assets | 85.2608% | 3,763 |
| Equity capital to assets | 13.8976% | 999 |
| Core capital (leverage) ratio | 14.1754% | 780 |
| Tier 1 risk-based capital ratio | 19.1915% | 1,940 |
| Total risk-based capital ratio | 20.4563% | 1,904 |
| Memoranda: | ||
| Average total assets | $60,445,000 | 5,846 |
| Average earning assets | $53,070,000 | 5,893 |
| Average equity | $8,427,000 | 5,329 |
| Average total loans | $37,010,330 | 5,542 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 1,996 |
| Cost of funding earning assets | 0.2390% | 6,356 |
| Net interest margin | 4.3089% | 952 |
| Noninterest income to average assets | 0.7975% | 2,132 |
| Noninterest expense to average assets | 4.1072% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5250% | 4,548 |
| Return on assets (ROA) | 0.5383% | 4,650 |
| Pretax return on assets | 0.5383% | 5,152 |
| Return on Equity (ROE) | 3.8551% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.8551% | 3,925 |
| Net charge-offs to loans | -0.0555% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6657% | 1,259 |
| Assets per employee ($millions) | 3.0251% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0826% | 603 |
| Loan loss allowance to noncurrent loans | 602.1739% | 735 |
| Noncurrent assets plus other real estate owned to assets | 1.5768% | 2,896 |
| Noncurrent loans to loans | 0.5119% | 5,148 |
| Net loans and leases to total assets | 57.5783% | 3,832 |
| Net loans and leases to deposits | 67.5810% | 3,820 |
| Net loans and leases to core deposits | 71.4072% | 3,897 |
| Total domestic deposits to total assets | 85.1988% | 3,945 |
| Equity capital to assets | 13.9450% | 1,045 |
| Core capital (leverage) ratio | 13.9414% | 811 |
| Tier 1 risk-based capital ratio | 20.0067% | 1,768 |
| Total risk-based capital ratio | 21.2745% | 1,737 |
| Memoranda: | ||
| Average total assets | $60,187,500 | 5,902 |
| Average earning assets | $53,563,500 | 5,916 |
| Average equity | $8,404,500 | 5,386 |
| Average total loans | $36,018,000 | 5,616 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 1,861 |
| Cost of funding earning assets | 0.3096% | 6,404 |
| Net interest margin | 4.5837% | 807 |
| Noninterest income to average assets | 0.9700% | 1,632 |
| Noninterest expense to average assets | 3.8467% | 1,173 |
| Loan and lease loss provision to assets | 0.4391% | 1,447 |
| Net operating income to assets | 0.7630% | 3,447 |
| Return on assets (ROA) | 0.7630% | 3,696 |
| Pretax return on assets | 0.7630% | 4,438 |
| Return on Equity (ROE) | 5.4170% | 4,471 |
| Retained earnings to average equity (ytd only) | 2.6315% | 4,382 |
| Net charge-offs to loans | 0.7061% | 1,673 |
| Credit loss provision to net charge-offs | 102.3346% | 2,941 |
| Earnings coverage of net charge-offs (x) | 2.8016% | 4,030 |
| Efficiency ratio | 76.1905% | 2,715 |
| Assets per employee ($millions) | 2.9937% | 6,024 |
| Cash dividends to net income (ytd only)* | 51.4223% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0561% | 633 |
| Loan loss allowance to noncurrent loans | 206.1682% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.9675% | 2,488 |
| Noncurrent loans to loans | 1.4823% | 3,376 |
| Net loans and leases to total assets | 58.4387% | 3,889 |
| Net loans and leases to deposits | 68.5857% | 3,893 |
| Net loans and leases to core deposits | 72.3197% | 4,005 |
| Total domestic deposits to total assets | 85.2054% | 3,767 |
| Equity capital to assets | 13.9829% | 1,051 |
| Core capital (leverage) ratio | 13.4744% | 958 |
| Tier 1 risk-based capital ratio | 20.4556% | 1,573 |
| Total risk-based capital ratio | 21.7247% | 1,539 |
| Memoranda: | ||
| Average total assets | $59,896,200 | 5,925 |
| Average earning assets | $53,297,000 | 5,947 |
| Average equity | $8,436,400 | 5,376 |
| Average total loans | $36,398,000 | 5,664 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9141% | 1,959 |
| Cost of funding earning assets | 0.3226% | 6,497 |
| Net interest margin | 4.5915% | 836 |
| Noninterest income to average assets | 0.8792% | 1,910 |
| Noninterest expense to average assets | 3.6503% | 1,457 |
| Loan and lease loss provision to assets | 0.0067% | 5,726 |
| Net operating income to assets | 1.3088% | 1,423 |
| Return on assets (ROA) | 1.3088% | 1,562 |
| Pretax return on assets | 1.3088% | 2,569 |
| Return on Equity (ROE) | 9.2751% | 2,680 |
| Retained earnings to average equity (ytd only) | 9.2751% | 1,127 |
| Net charge-offs to loans | -0.0146% | 6,433 |
| Credit loss provision to net charge-offs | -75.0000% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5096% | 3,064 |
| Assets per employee ($millions) | 3.0146% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9673% | 744 |
| Loan loss allowance to noncurrent loans | 118.0749% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.6173% | 2,015 |
| Noncurrent loans to loans | 2.5131% | 2,280 |
| Net loans and leases to total assets | 59.8779% | 3,808 |
| Net loans and leases to deposits | 70.7017% | 3,801 |
| Net loans and leases to core deposits | 74.5981% | 3,901 |
| Total domestic deposits to total assets | 84.6909% | 3,895 |
| Equity capital to assets | 14.5246% | 962 |
| Core capital (leverage) ratio | 14.3309% | 745 |
| Tier 1 risk-based capital ratio | 21.0658% | 1,508 |
| Total risk-based capital ratio | 22.3344% | 1,477 |
| Memoranda: | ||
| Average total assets | $59,902,000 | 5,993 |
| Average earning assets | $53,314,250 | 6,015 |
| Average equity | $8,452,500 | 5,425 |
| Average total loans | $36,474,500 | 5,727 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 2,026 |
| Cost of funding earning assets | 0.3348% | 6,575 |
| Net interest margin | 4.5860% | 857 |
| Noninterest income to average assets | 0.7495% | 2,415 |
| Noninterest expense to average assets | 3.7007% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1276% | 1,956 |
| Return on assets (ROA) | 1.1276% | 2,169 |
| Pretax return on assets | 1.1276% | 3,197 |
| Return on Equity (ROE) | 8.0709% | 3,228 |
| Retained earnings to average equity (ytd only) | 8.0709% | 1,613 |
| Net charge-offs to loans | -0.0166% | 6,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6459% | 2,648 |
| Assets per employee ($millions) | 2.9199% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8748% | 885 |
| Loan loss allowance to noncurrent loans | 98.5650% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 2.9367% | 1,880 |
| Noncurrent loans to loans | 2.9166% | 2,049 |
| Net loans and leases to total assets | 63.5809% | 3,128 |
| Net loans and leases to deposits | 75.1270% | 3,107 |
| Net loans and leases to core deposits | 77.9485% | 3,524 |
| Total domestic deposits to total assets | 84.6313% | 4,039 |
| Equity capital to assets | 14.5776% | 899 |
| Core capital (leverage) ratio | 14.4591% | 708 |
| Tier 1 risk-based capital ratio | 20.4641% | 1,588 |
| Total risk-based capital ratio | 21.7310% | 1,559 |
| Memoranda: | ||
| Average total assets | $59,772,330 | 6,037 |
| Average earning assets | $53,161,670 | 6,056 |
| Average equity | $8,351,000 | 5,461 |
| Average total loans | $36,231,000 | 5,776 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 2,328 |
| Cost of funding earning assets | 0.3474% | 6,650 |
| Net interest margin | 4.5307% | 956 |
| Noninterest income to average assets | 1.2173% | 968 |
| Noninterest expense to average assets | 3.8571% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4158% | 1,190 |
| Return on assets (ROA) | 1.4158% | 1,336 |
| Pretax return on assets | 1.4158% | 2,135 |
| Return on Equity (ROE) | 10.3507% | 2,282 |
| Retained earnings to average equity (ytd only) | 10.3507% | 1,185 |
| Net charge-offs to loans | -0.0114% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1493% | 3,235 |
| Assets per employee ($millions) | 2.9678% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1040% | 760 |
| Loan loss allowance to noncurrent loans | 133.1311% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 2.6232% | 2,255 |
| Noncurrent loans to loans | 2.3316% | 2,773 |
| Net loans and leases to total assets | 57.6926% | 4,088 |
| Net loans and leases to deposits | 67.7750% | 4,104 |
| Net loans and leases to core deposits | 70.3177% | 4,368 |
| Total domestic deposits to total assets | 85.1237% | 3,970 |
| Equity capital to assets | 14.1064% | 986 |
| Core capital (leverage) ratio | 13.9705% | 810 |
| Tier 1 risk-based capital ratio | 21.1434% | 1,463 |
| Total risk-based capital ratio | 22.4133% | 1,429 |
| Memoranda: | ||
| Average total assets | $60,459,500 | 6,049 |
| Average earning assets | $54,119,500 | 6,061 |
| Average equity | $8,270,000 | 5,508 |
| Average total loans | $35,232,000 | 5,861 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3786% | 1,469 |
| Cost of funding earning assets | 0.4711% | 6,650 |
| Net interest margin | 4.9075% | 496 |
| Noninterest income to average assets | 1.0300% | 1,285 |
| Noninterest expense to average assets | 3.8052% | 1,342 |
| Loan and lease loss provision to assets | 0.5227% | 2,009 |
| Net operating income to assets | 1.0471% | 2,014 |
| Return on assets (ROA) | 1.0471% | 2,157 |
| Pretax return on assets | 1.0471% | 3,045 |
| Return on Equity (ROE) | 7.8175% | 3,001 |
| Retained earnings to average equity (ytd only) | 5.5548% | 2,266 |
| Net charge-offs to loans | 0.5270% | 2,893 |
| Credit loss provision to net charge-offs | 160.7330% | 1,719 |
| Earnings coverage of net charge-offs (x) | 4.8272% | 2,965 |
| Efficiency ratio | 70.7951% | 3,812 |
| Assets per employee ($millions) | 3.0782% | 5,940 |
| Cash dividends to net income (ytd only)* | 28.9431% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1205% | 734 |
| Loan loss allowance to noncurrent loans | 130.9438% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 2.8345% | 2,135 |
| Noncurrent loans to loans | 2.3831% | 2,743 |
| Net loans and leases to total assets | 55.2718% | 4,841 |
| Net loans and leases to deposits | 64.2431% | 4,976 |
| Net loans and leases to core deposits | 65.6714% | 5,292 |
| Total domestic deposits to total assets | 86.0354% | 3,306 |
| Equity capital to assets | 13.2661% | 1,374 |
| Core capital (leverage) ratio | 13.3033% | 1,041 |
| Tier 1 risk-based capital ratio | 20.1781% | 1,597 |
| Total risk-based capital ratio | 21.4469% | 1,565 |
| Memoranda: | ||
| Average total assets | $58,736,000 | 6,084 |
| Average earning assets | $52,002,000 | 6,122 |
| Average equity | $7,867,000 | 5,610 |
| Average total loans | $36,244,600 | 5,858 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4996% | 1,248 |
| Cost of funding earning assets | 0.5002% | 6,692 |
| Net interest margin | 4.9994% | 412 |
| Noninterest income to average assets | 1.0133% | 1,309 |
| Noninterest expense to average assets | 3.7130% | 1,467 |
| Loan and lease loss provision to assets | 0.7054% | 1,361 |
| Net operating income to assets | 1.0271% | 2,226 |
| Return on assets (ROA) | 1.0271% | 2,390 |
| Pretax return on assets | 1.0271% | 3,303 |
| Return on Equity (ROE) | 7.6487% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.6487% | 1,646 |
| Net charge-offs to loans | 0.7082% | 2,145 |
| Credit loss provision to net charge-offs | 158.2474% | 1,961 |
| Earnings coverage of net charge-offs (x) | 3.8866% | 3,258 |
| Efficiency ratio | 68.1857% | 4,280 |
| Assets per employee ($millions) | 3.1943% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1720% | 747 |
| Loan loss allowance to noncurrent loans | 133.9461% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 2.7844% | 2,335 |
| Noncurrent loans to loans | 2.3681% | 2,930 |
| Net loans and leases to total assets | 58.0281% | 4,511 |
| Net loans and leases to deposits | 68.1099% | 4,585 |
| Net loans and leases to core deposits | 70.1904% | 4,932 |
| Total domestic deposits to total assets | 85.1977% | 3,678 |
| Equity capital to assets | 14.0231% | 1,148 |
| Core capital (leverage) ratio | 13.3574% | 1,097 |
| Tier 1 risk-based capital ratio | 20.5546% | 1,544 |
| Total risk-based capital ratio | 21.8242% | 1,514 |
| Memoranda: | ||
| Average total assets | $58,029,250 | 6,150 |
| Average earning assets | $51,445,250 | 6,187 |
| Average equity | $7,792,000 | 5,660 |
| Average total loans | $36,525,000 | 5,895 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 1,248 |
| Cost of funding earning assets | 0.5221% | 6,774 |
| Net interest margin | 5.0001% | 394 |
| Noninterest income to average assets | 0.9174% | 1,595 |
| Noninterest expense to average assets | 3.6353% | 1,660 |
| Loan and lease loss provision to assets | 0.8762% | 1,022 |
| Net operating income to assets | 0.8487% | 2,864 |
| Return on assets (ROA) | 0.8487% | 2,959 |
| Pretax return on assets | 0.8487% | 3,835 |
| Return on Equity (ROE) | 6.4142% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.4142% | 2,183 |
| Net charge-offs to loans | 1.0265% | 1,537 |
| Credit loss provision to net charge-offs | 133.5079% | 2,286 |
| Earnings coverage of net charge-offs (x) | 2.6283% | 3,516 |
| Efficiency ratio | 67.8205% | 4,546 |
| Assets per employee ($millions) | 3.0272% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8776% | 1,006 |
| Loan loss allowance to noncurrent loans | 85.7847% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 3.4808% | 1,893 |
| Noncurrent loans to loans | 3.3545% | 2,124 |
| Net loans and leases to total assets | 61.2630% | 4,031 |
| Net loans and leases to deposits | 71.0589% | 4,282 |
| Net loans and leases to core deposits | 73.4267% | 4,648 |
| Total domestic deposits to total assets | 86.2143% | 3,213 |
| Equity capital to assets | 13.6779% | 1,213 |
| Core capital (leverage) ratio | 13.0918% | 1,112 |
| Tier 1 risk-based capital ratio | 19.6453% | 1,681 |
| Total risk-based capital ratio | 20.9125% | 1,651 |
| Memoranda: | ||
| Average total assets | $58,206,330 | 6,201 |
| Average earning assets | $51,718,670 | 6,228 |
| Average equity | $7,701,670 | 5,703 |
| Average total loans | $37,214,000 | 5,929 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5849% | 1,084 |
| Cost of funding earning assets | 0.5392% | 6,834 |
| Net interest margin | 5.0457% | 348 |
| Noninterest income to average assets | 0.9018% | 1,659 |
| Noninterest expense to average assets | 3.8257% | 1,298 |
| Loan and lease loss provision to assets | 1.0794% | 686 |
| Net operating income to assets | 0.4714% | 4,613 |
| Return on assets (ROA) | 0.4714% | 4,695 |
| Pretax return on assets | 0.4714% | 5,116 |
| Return on Equity (ROE) | 3.6225% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.6225% | 4,010 |
| Net charge-offs to loans | 1.6666% | 800 |
| Credit loss provision to net charge-offs | 100.6369% | 2,624 |
| Earnings coverage of net charge-offs (x) | 1.4459% | 3,626 |
| Efficiency ratio | 71.1563% | 4,020 |
| Assets per employee ($millions) | 3.1142% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6361% | 1,274 |
| Loan loss allowance to noncurrent loans | 76.7005% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 3.5559% | 1,912 |
| Noncurrent loans to loans | 3.4369% | 2,186 |
| Net loans and leases to total assets | 61.2354% | 4,027 |
| Net loans and leases to deposits | 70.4648% | 4,276 |
| Net loans and leases to core deposits | 72.7220% | 4,689 |
| Total domestic deposits to total assets | 86.9021% | 2,991 |
| Equity capital to assets | 12.9407% | 1,405 |
| Core capital (leverage) ratio | 12.7736% | 1,210 |
| Tier 1 risk-based capital ratio | 18.3246% | 2,009 |
| Total risk-based capital ratio | 19.5893% | 1,962 |
| Memoranda: | ||
| Average total assets | $58,551,500 | 6,241 |
| Average earning assets | $51,925,500 | 6,274 |
| Average equity | $7,619,000 | 5,736 |
| Average total loans | $37,681,000 | 5,954 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7993% | 1,278 |
| Cost of funding earning assets | 0.7233% | 6,812 |
| Net interest margin | 5.0761% | 372 |
| Noninterest income to average assets | 0.8816% | 1,918 |
| Noninterest expense to average assets | 3.8277% | 1,436 |
| Loan and lease loss provision to assets | 2.4925% | 447 |
| Net operating income to assets | -0.7772% | 6,565 |
| Return on assets (ROA) | -0.7772% | 6,590 |
| Pretax return on assets | -0.7772% | 6,509 |
| Return on Equity (ROE) | -5.7258% | 6,481 |
| Retained earnings to average equity (ytd only) | -6.6969% | 6,441 |
| Net charge-offs to loans | 2.9375% | 573 |
| Credit loss provision to net charge-offs | 126.6087% | 3,199 |
| Earnings coverage of net charge-offs (x) | 0.8713% | 5,256 |
| Efficiency ratio | 69.0550% | 4,364 |
| Assets per employee ($millions) | 3.0491% | 6,000 |
| Cash dividends to net income (ytd only)* | -16.9604% | 7,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5689% | 1,322 |
| Loan loss allowance to noncurrent loans | 118.7879% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 2.8913% | 2,428 |
| Noncurrent loans to loans | 2.1626% | 3,355 |
| Net loans and leases to total assets | 64.1569% | 3,840 |
| Net loans and leases to deposits | 73.9088% | 4,205 |
| Net loans and leases to core deposits | 75.2846% | 4,818 |
| Total domestic deposits to total assets | 86.8054% | 2,927 |
| Equity capital to assets | 13.0858% | 1,352 |
| Core capital (leverage) ratio | 12.3964% | 1,352 |
| Tier 1 risk-based capital ratio | 17.9188% | 2,027 |
| Total risk-based capital ratio | 19.1837% | 1,982 |
| Memoranda: | ||
| Average total assets | $58,416,200 | 6,262 |
| Average earning assets | $53,644,000 | 6,231 |
| Average equity | $7,929,000 | 5,737 |
| Average total loans | $39,148,800 | 5,957 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8470% | 1,260 |
| Cost of funding earning assets | 0.7546% | 6,897 |
| Net interest margin | 5.0924% | 361 |
| Noninterest income to average assets | 0.8405% | 2,029 |
| Noninterest expense to average assets | 3.5396% | 1,937 |
| Loan and lease loss provision to assets | 2.4713% | 431 |
| Net operating income to assets | -0.4669% | 6,570 |
| Return on assets (ROA) | -0.4669% | 6,611 |
| Pretax return on assets | -0.4669% | 6,525 |
| Return on Equity (ROE) | -3.4098% | 6,528 |
| Retained earnings to average equity (ytd only) | -4.6905% | 6,530 |
| Net charge-offs to loans | 2.5482% | 656 |
| Credit loss provision to net charge-offs | 144.0903% | 2,729 |
| Earnings coverage of net charge-offs (x) | 1.1687% | 4,895 |
| Efficiency ratio | 63.8455% | 5,270 |
| Assets per employee ($millions) | 2.9327% | 6,303 |
| Cash dividends to net income (ytd only)* | -37.5590% | 7,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6089% | 1,194 |
| Loan loss allowance to noncurrent loans | 79.6516% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 3.6128% | 1,972 |
| Noncurrent loans to loans | 3.2754% | 2,419 |
| Net loans and leases to total assets | 64.0274% | 4,127 |
| Net loans and leases to deposits | 74.0739% | 4,499 |
| Net loans and leases to core deposits | 75.4384% | 5,126 |
| Total domestic deposits to total assets | 86.4372% | 2,830 |
| Equity capital to assets | 13.4264% | 1,379 |
| Core capital (leverage) ratio | 12.9960% | 1,234 |
| Tier 1 risk-based capital ratio | 18.3350% | 1,926 |
| Total risk-based capital ratio | 19.5995% | 1,879 |
| Memoranda: | ||
| Average total assets | $58,537,000 | 6,322 |
| Average earning assets | $54,065,750 | 6,277 |
| Average equity | $8,016,000 | 5,786 |
| Average total loans | $39,399,000 | 6,030 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8723% | 1,250 |
| Cost of funding earning assets | 0.7904% | 6,946 |
| Net interest margin | 5.0820% | 358 |
| Noninterest income to average assets | 0.6804% | 2,818 |
| Noninterest expense to average assets | 3.5796% | 1,833 |
| Loan and lease loss provision to assets | 2.6257% | 421 |
| Net operating income to assets | -0.8205% | 6,871 |
| Return on assets (ROA) | -0.8205% | 6,883 |
| Pretax return on assets | -0.8205% | 6,793 |
| Return on Equity (ROE) | -5.9531% | 6,771 |
| Retained earnings to average equity (ytd only) | -7.8631% | 6,801 |
| Net charge-offs to loans | 3.5787% | 404 |
| Credit loss provision to net charge-offs | 108.1690% | 3,763 |
| Earnings coverage of net charge-offs (x) | 0.7437% | 5,005 |
| Efficiency ratio | 66.4762% | 4,889 |
| Assets per employee ($millions) | 2.5528% | 7,034 |
| Cash dividends to net income (ytd only)* | -32.0833% | 7,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,468 |
| Loan loss allowance to noncurrent loans | 49.0288% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 4.0007% | 1,730 |
| Noncurrent loans to loans | 3.8377% | 2,004 |
| Net loans and leases to total assets | 65.0135% | 4,040 |
| Net loans and leases to deposits | 75.1639% | 4,490 |
| Net loans and leases to core deposits | 75.9294% | 5,203 |
| Total domestic deposits to total assets | 86.4956% | 2,821 |
| Equity capital to assets | 13.3665% | 1,405 |
| Core capital (leverage) ratio | 13.0134% | 1,206 |
| Tier 1 risk-based capital ratio | 18.0311% | 1,952 |
| Total risk-based capital ratio | 19.2872% | 1,917 |
| Memoranda: | ||
| Average total assets | $58,498,330 | 6,372 |
| Average earning assets | $54,152,330 | 6,317 |
| Average equity | $8,063,000 | 5,778 |
| Average total loans | $39,678,670 | 6,060 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9663% | 1,045 |
| Cost of funding earning assets | 0.8365% | 6,984 |
| Net interest margin | 5.1299% | 328 |
| Noninterest income to average assets | 0.1165% | 7,110 |
| Noninterest expense to average assets | 3.6102% | 1,711 |
| Loan and lease loss provision to assets | 0.7398% | 1,721 |
| Net operating income to assets | 0.5138% | 4,327 |
| Return on assets (ROA) | 0.5138% | 4,466 |
| Pretax return on assets | 0.5138% | 4,912 |
| Return on Equity (ROE) | 3.6717% | 5,042 |
| Retained earnings to average equity (ytd only) | -0.0979% | 5,857 |
| Net charge-offs to loans | 0.4293% | 2,758 |
| Credit loss provision to net charge-offs | 251.1628% | 1,535 |
| Earnings coverage of net charge-offs (x) | 4.2558% | 2,667 |
| Efficiency ratio | 74.2254% | 3,545 |
| Assets per employee ($millions) | 2.5261% | 7,164 |
| Cash dividends to net income (ytd only)* | 102.6667% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,584 |
| Loan loss allowance to noncurrent loans | 36.5661% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 4.9517% | 1,307 |
| Noncurrent loans to loans | 5.0533% | 1,429 |
| Net loans and leases to total assets | 67.5634% | 3,494 |
| Net loans and leases to deposits | 78.7478% | 3,892 |
| Net loans and leases to core deposits | 79.5666% | 4,815 |
| Total domestic deposits to total assets | 85.7971% | 3,262 |
| Equity capital to assets | 14.0497% | 1,123 |
| Core capital (leverage) ratio | 13.9562% | 970 |
| Tier 1 risk-based capital ratio | 18.2911% | 1,877 |
| Total risk-based capital ratio | 19.5470% | 1,843 |
| Memoranda: | ||
| Average total assets | $58,390,500 | 6,454 |
| Average earning assets | $54,036,500 | 6,389 |
| Average equity | $8,170,500 | 5,781 |
| Average total loans | $40,066,000 | 6,120 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5255% | 638 |
| Cost of funding earning assets | 1.2055% | 6,641 |
| Net interest margin | 5.3200% | 234 |
| Noninterest income to average assets | 1.0845% | 1,311 |
| Noninterest expense to average assets | 3.8973% | 1,510 |
| Loan and lease loss provision to assets | 0.7819% | 2,781 |
| Net operating income to assets | 1.2997% | 1,038 |
| Return on assets (ROA) | 1.3014% | 1,076 |
| Pretax return on assets | 1.3014% | 1,692 |
| Return on Equity (ROE) | 9.4246% | 1,878 |
| Retained earnings to average equity (ytd only) | 5.6497% | 1,499 |
| Net charge-offs to loans | 0.5690% | 3,517 |
| Credit loss provision to net charge-offs | 201.3514% | 1,933 |
| Earnings coverage of net charge-offs (x) | 5.3604% | 2,623 |
| Efficiency ratio | 65.1843% | 5,554 |
| Assets per employee ($millions) | 2.5513% | 7,119 |
| Cash dividends to net income (ytd only)* | 40.0538% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 2,968 |
| Loan loss allowance to noncurrent loans | 30.2785% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 5.0920% | 1,194 |
| Noncurrent loans to loans | 5.5459% | 1,157 |
| Net loans and leases to total assets | 67.2529% | 3,869 |
| Net loans and leases to deposits | 78.3156% | 4,312 |
| Net loans and leases to core deposits | 88.2607% | 5,302 |
| Total domestic deposits to total assets | 85.8742% | 3,070 |
| Equity capital to assets | 13.9366% | 1,190 |
| Core capital (leverage) ratio | 13.6778% | 1,050 |
| Tier 1 risk-based capital ratio | 18.0648% | 1,878 |
| Total risk-based capital ratio | 19.3184% | 1,834 |
| Memoranda: | ||
| Average total assets | $57,168,000 | 6,458 |
| Average earning assets | $52,593,800 | 6,430 |
| Average equity | $7,894,200 | 5,961 |
| Average total loans | $39,018,400 | 6,157 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6415% | 570 |
| Cost of funding earning assets | 1.2779% | 6,631 |
| Net interest margin | 5.3636% | 226 |
| Noninterest income to average assets | 1.0401% | 1,469 |
| Noninterest expense to average assets | 3.7189% | 1,775 |
| Loan and lease loss provision to assets | 0.9626% | 1,998 |
| Net operating income to assets | 1.3054% | 1,203 |
| Return on assets (ROA) | 1.3077% | 1,276 |
| Pretax return on assets | 1.3077% | 1,938 |
| Return on Equity (ROE) | 9.4929% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.0843% | 1,907 |
| Net charge-offs to loans | 0.7675% | 2,444 |
| Credit loss provision to net charge-offs | 183.8565% | 2,483 |
| Earnings coverage of net charge-offs (x) | 4.3318% | 3,172 |
| Efficiency ratio | 62.1176% | 6,083 |
| Assets per employee ($millions) | 2.4507% | 7,301 |
| Cash dividends to net income (ytd only)* | 35.9066% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 2,814 |
| Loan loss allowance to noncurrent loans | 56.2334% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.3583% | 1,999 |
| Noncurrent loans to loans | 2.9322% | 2,600 |
| Net loans and leases to total assets | 67.3018% | 4,114 |
| Net loans and leases to deposits | 78.7822% | 4,603 |
| Net loans and leases to core deposits | 89.4379% | 5,489 |
| Total domestic deposits to total assets | 85.4276% | 3,008 |
| Equity capital to assets | 14.3595% | 1,186 |
| Core capital (leverage) ratio | 13.6338% | 1,191 |
| Tier 1 risk-based capital ratio | 18.6233% | 1,835 |
| Total risk-based capital ratio | 19.8765% | 1,795 |
| Memoranda: | ||
| Average total assets | $56,790,000 | 6,513 |
| Average earning assets | $52,376,250 | 6,482 |
| Average equity | $7,823,250 | 6,040 |
| Average total loans | $38,738,500 | 6,213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7599% | 485 |
| Cost of funding earning assets | 1.3328% | 6,697 |
| Net interest margin | 5.4271% | 196 |
| Noninterest income to average assets | 1.0118% | 1,557 |
| Noninterest expense to average assets | 3.7589% | 1,728 |
| Loan and lease loss provision to assets | 1.4017% | 1,237 |
| Net operating income to assets | 0.8291% | 2,738 |
| Return on assets (ROA) | 0.8291% | 2,832 |
| Pretax return on assets | 0.8291% | 3,574 |
| Return on Equity (ROE) | 6.1037% | 3,594 |
| Retained earnings to average equity (ytd only) | 3.9571% | 3,082 |
| Net charge-offs to loans | 1.1187% | 1,622 |
| Credit loss provision to net charge-offs | 183.8710% | 2,494 |
| Earnings coverage of net charge-offs (x) | 2.9263% | 3,638 |
| Efficiency ratio | 62.7566% | 6,130 |
| Assets per employee ($millions) | 2.5139% | 7,226 |
| Cash dividends to net income (ytd only)* | 35.1695% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 2,791 |
| Loan loss allowance to noncurrent loans | 375.5952% | 838 |
| Noncurrent assets plus other real estate owned to assets | 1.6897% | 3,649 |
| Noncurrent loans to loans | 0.4228% | 6,458 |
| Net loans and leases to total assets | 67.6237% | 4,229 |
| Net loans and leases to deposits | 78.5645% | 4,773 |
| Net loans and leases to core deposits | 90.6099% | 5,485 |
| Total domestic deposits to total assets | 86.0740% | 2,745 |
| Equity capital to assets | 13.6406% | 1,441 |
| Core capital (leverage) ratio | 13.4282% | 1,292 |
| Tier 1 risk-based capital ratio | 17.5563% | 2,127 |
| Total risk-based capital ratio | 18.8090% | 2,088 |
| Memoranda: | ||
| Average total assets | $56,931,000 | 6,559 |
| Average earning assets | $52,219,670 | 6,544 |
| Average equity | $7,733,000 | 6,112 |
| Average total loans | $38,794,000 | 6,257 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8548% | 438 |
| Cost of funding earning assets | 1.3586% | 6,847 |
| Net interest margin | 5.4962% | 178 |
| Noninterest income to average assets | 0.9560% | 1,615 |
| Noninterest expense to average assets | 3.7531% | 1,558 |
| Loan and lease loss provision to assets | 2.8184% | 397 |
| Net operating income to assets | -0.5736% | 6,946 |
| Return on assets (ROA) | -0.5736% | 6,990 |
| Pretax return on assets | -0.5736% | 6,884 |
| Return on Equity (ROE) | -4.2320% | 6,909 |
| Retained earnings to average equity (ytd only) | -8.5684% | 6,968 |
| Net charge-offs to loans | 2.0561% | 704 |
| Credit loss provision to net charge-offs | 202.0305% | 2,198 |
| Earnings coverage of net charge-offs (x) | 1.6091% | 3,921 |
| Efficiency ratio | 62.5738% | 5,957 |
| Assets per employee ($millions) | 2.4649% | 7,349 |
| Cash dividends to net income (ytd only)* | -102.4691% | 8,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 2,034 |
| Loan loss allowance to noncurrent loans | 511.8110% | 685 |
| Noncurrent assets plus other real estate owned to assets | 1.6510% | 3,436 |
| Noncurrent loans to loans | 0.3383% | 6,584 |
| Net loans and leases to total assets | 65.0762% | 4,799 |
| Net loans and leases to deposits | 75.3164% | 5,308 |
| Net loans and leases to core deposits | 85.3906% | 5,960 |
| Total domestic deposits to total assets | 86.4037% | 2,500 |
| Equity capital to assets | 13.3652% | 1,587 |
| Core capital (leverage) ratio | 13.4551% | 1,339 |
| Tier 1 risk-based capital ratio | 17.4707% | 2,194 |
| Total risk-based capital ratio | 18.7246% | 2,139 |
| Memoranda: | ||
| Average total assets | $56,486,500 | 6,608 |
| Average earning assets | $51,817,500 | 6,578 |
| Average equity | $7,656,000 | 6,169 |
| Average total loans | $38,325,500 | 6,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2123% | 716 |
| Cost of funding earning assets | 1.7093% | 7,240 |
| Net interest margin | 5.5030% | 207 |
| Noninterest income to average assets | 1.0800% | 1,353 |
| Noninterest expense to average assets | 3.5606% | 2,235 |
| Loan and lease loss provision to assets | 0.7649% | 1,952 |
| Net operating income to assets | 1.8322% | 520 |
| Return on assets (ROA) | 1.8304% | 503 |
| Pretax return on assets | 1.8304% | 889 |
| Return on Equity (ROE) | 13.0479% | 1,316 |
| Retained earnings to average equity (ytd only) | 4.4272% | 2,370 |
| Net charge-offs to loans | 1.0810% | 1,125 |
| Credit loss provision to net charge-offs | 103.4483% | 5,169 |
| Earnings coverage of net charge-offs (x) | 3.5123% | 4,330 |
| Efficiency ratio | 57.8231% | 6,728 |
| Assets per employee ($millions) | 2.5582% | 7,093 |
| Cash dividends to net income (ytd only)* | 66.0697% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 4,936 |
| Loan loss allowance to noncurrent loans | 81.3406% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 4,382 |
| Noncurrent loans to loans | 1.4115% | 3,696 |
| Net loans and leases to total assets | 68.6893% | 4,326 |
| Net loans and leases to deposits | 80.3104% | 4,993 |
| Net loans and leases to core deposits | 87.6820% | 6,000 |
| Total domestic deposits to total assets | 85.5298% | 2,618 |
| Equity capital to assets | 13.7435% | 1,522 |
| Core capital (leverage) ratio | 13.7592% | 1,318 |
| Tier 1 risk-based capital ratio | 18.0477% | 2,027 |
| Total risk-based capital ratio | 19.1076% | 2,014 |
| Memoranda: | ||
| Average total assets | $54,907,200 | 6,582 |
| Average earning assets | $50,663,400 | 6,568 |
| Average equity | $7,702,400 | 6,210 |
| Average total loans | $37,558,200 | 6,287 |