Home > Villa Grove State Bank > Performance and Condition Ratios
Villa Grove State 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 | 5.0974% | 2,930 |
| Cost of funding earning assets | 1.4170% | 3,379 |
| Net interest margin | 3.6803% | 1,917 |
| Noninterest income to average assets | 0.1300% | 3,988 |
| Noninterest expense to average assets | 2.2410% | 3,006 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.3827% | 1,290 |
| Return on assets (ROA) | 1.3827% | 1,292 |
| Pretax return on assets | 1.3970% | 1,744 |
| Return on Equity (ROE) | 11.5300% | 1,874 |
| Retained earnings to average equity (ytd only) | 8.3516% | 1,595 |
| Net charge-offs to loans | 0.1734% | 583 |
| Credit loss provision to net charge-offs | 75.0000% | 1,425 |
| Earnings coverage of net charge-offs (x) | 12.7083% | 1,618 |
| Efficiency ratio | 60.6452% | 2,881 |
| Assets per employee ($millions) | 4.6927% | 3,832 |
| Cash dividends to net income (ytd only)* | 27.5862% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 1,252 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 63.8800% | 2,511 |
| Net loans and leases to deposits | 73.0348% | 2,649 |
| Net loans and leases to core deposits | 73.6528% | 3,095 |
| Total domestic deposits to total assets | 87.4700% | 1,750 |
| Equity capital to assets | 12.0316% | 1,207 |
| Core capital (leverage) ratio | 11.8868% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $83,891,500 | 3,909 |
| Average earning assets | $81,297,000 | 3,864 |
| Average equity | $10,058,000 | 3,782 |
| Average total loans | $55,363,000 | 3,755 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 2,933 |
| Cost of funding earning assets | 1.3108% | 3,656 |
| Net interest margin | 3.7808% | 1,531 |
| Noninterest income to average assets | 0.1600% | 3,940 |
| Noninterest expense to average assets | 2.2992% | 2,870 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.4314% | 1,019 |
| Return on assets (ROA) | 1.4314% | 1,011 |
| Pretax return on assets | 1.4471% | 1,393 |
| Return on Equity (ROE) | 12.1300% | 1,578 |
| Retained earnings to average equity (ytd only) | 4.7773% | 2,323 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 60.4378% | 3,117 |
| Assets per employee ($millions) | 4.6286% | 3,863 |
| Cash dividends to net income (ytd only)* | 60.6239% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,312 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,503 |
| Noncurrent loans to loans | 0.0411% | 3,456 |
| Net loans and leases to total assets | 66.2600% | 2,330 |
| Net loans and leases to deposits | 75.6792% | 2,494 |
| Net loans and leases to core deposits | 76.0546% | 3,041 |
| Total domestic deposits to total assets | 87.5600% | 1,682 |
| Equity capital to assets | 11.9464% | 1,202 |
| Core capital (leverage) ratio | 12.0545% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $82,854,600 | 3,924 |
| Average earning assets | $79,797,400 | 3,875 |
| Average equity | $9,775,400 | 3,781 |
| Average total loans | $55,681,000 | 3,745 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0706% | 2,928 |
| Cost of funding earning assets | 1.2676% | 3,715 |
| Net interest margin | 3.8029% | 1,446 |
| Noninterest income to average assets | 0.1600% | 3,942 |
| Noninterest expense to average assets | 2.2463% | 2,962 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.5019% | 933 |
| Return on assets (ROA) | 1.5019% | 935 |
| Pretax return on assets | 1.5164% | 1,286 |
| Return on Equity (ROE) | 12.7700% | 1,424 |
| Retained earnings to average equity (ytd only) | 6.9193% | 1,768 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 58.7938% | 3,276 |
| Assets per employee ($millions) | 4.3016% | 4,007 |
| Cash dividends to net income (ytd only)* | 45.8155% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 1,411 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 65.6700% | 2,353 |
| Net loans and leases to deposits | 75.3538% | 2,579 |
| Net loans and leases to core deposits | 75.7344% | 3,083 |
| Total domestic deposits to total assets | 87.1500% | 1,542 |
| Equity capital to assets | 12.2244% | 1,197 |
| Core capital (leverage) ratio | 12.0854% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $82,739,750 | 3,942 |
| Average earning assets | $79,726,000 | 3,896 |
| Average equity | $9,731,000 | 3,799 |
| Average total loans | $55,603,750 | 3,755 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 2,950 |
| Cost of funding earning assets | 1.2078% | 3,776 |
| Net interest margin | 3.7907% | 1,439 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 2.2245% | 3,010 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5046% | 901 |
| Return on assets (ROA) | 1.5046% | 904 |
| Pretax return on assets | 1.5167% | 1,250 |
| Return on Equity (ROE) | 12.9600% | 1,366 |
| Retained earnings to average equity (ytd only) | 5.3918% | 2,214 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.5551% | 3,342 |
| Assets per employee ($millions) | 4.3224% | 4,000 |
| Cash dividends to net income (ytd only)* | 58.4000% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,173 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.2300% | 2,319 |
| Net loans and leases to deposits | 76.0554% | 2,534 |
| Net loans and leases to core deposits | 76.7065% | 2,996 |
| Total domestic deposits to total assets | 87.0700% | 1,626 |
| Equity capital to assets | 11.8671% | 1,210 |
| Core capital (leverage) ratio | 11.5987% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $83,076,333 | 3,953 |
| Average earning assets | $80,144,333 | 3,905 |
| Average equity | $9,644,333 | 3,792 |
| Average total loans | $55,997,000 | 3,760 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 2,941 |
| Cost of funding earning assets | 1.1341% | 3,831 |
| Net interest margin | 3.7886% | 1,390 |
| Noninterest income to average assets | 0.1500% | 3,964 |
| Noninterest expense to average assets | 2.1974% | 3,081 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.5559% | 821 |
| Return on assets (ROA) | 1.5559% | 832 |
| Pretax return on assets | 1.5559% | 1,165 |
| Return on Equity (ROE) | 13.5500% | 1,228 |
| Retained earnings to average equity (ytd only) | 8.9644% | 1,327 |
| Net charge-offs to loans | -0.0071% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.6633% | 3,462 |
| Assets per employee ($millions) | 4.4155% | 3,982 |
| Cash dividends to net income (ytd only)* | 33.8462% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,261 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.2400% | 2,341 |
| Net loans and leases to deposits | 74.1881% | 2,587 |
| Net loans and leases to core deposits | 74.8015% | 3,060 |
| Total domestic deposits to total assets | 87.9400% | 1,445 |
| Equity capital to assets | 11.5633% | 1,278 |
| Core capital (leverage) ratio | 11.3540% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $83,551,500 | 3,969 |
| Average earning assets | $80,769,000 | 3,919 |
| Average equity | $9,593,500 | 3,811 |
| Average total loans | $56,397,000 | 3,772 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1914% | 3,641 |
| Cost of funding earning assets | 0.8866% | 3,547 |
| Net interest margin | 3.3048% | 2,623 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.1318% | 3,322 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.1870% | 1,675 |
| Return on assets (ROA) | 1.1870% | 1,656 |
| Pretax return on assets | 1.2045% | 2,125 |
| Return on Equity (ROE) | 10.8100% | 2,275 |
| Retained earnings to average equity (ytd only) | 3.4587% | 3,138 |
| Net charge-offs to loans | 0.1722% | 618 |
| Credit loss provision to net charge-offs | 49.4845% | 2,195 |
| Earnings coverage of net charge-offs (x) | 11.1546% | 2,206 |
| Efficiency ratio | 62.8434% | 2,749 |
| Assets per employee ($millions) | 4.6227% | 3,875 |
| Cash dividends to net income (ytd only)* | 68.0079% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 1,506 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.8700% | 2,054 |
| Net loans and leases to deposits | 77.0180% | 2,353 |
| Net loans and leases to core deposits | 77.3906% | 2,886 |
| Total domestic deposits to total assets | 88.1200% | 1,305 |
| Equity capital to assets | 11.4003% | 1,328 |
| Core capital (leverage) ratio | 11.2227% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $85,843,600 | 3,964 |
| Average earning assets | $83,242,200 | 3,896 |
| Average equity | $9,425,400 | 3,780 |
| Average total loans | $56,317,000 | 3,751 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,771 |
| Cost of funding earning assets | 0.8059% | 3,500 |
| Net interest margin | 3.2395% | 2,824 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.0392% | 3,496 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2053% | 1,782 |
| Return on assets (ROA) | 1.2053% | 1,773 |
| Pretax return on assets | 1.2238% | 2,238 |
| Return on Equity (ROE) | 11.0800% | 2,355 |
| Retained earnings to average equity (ytd only) | 5.8375% | 2,679 |
| Net charge-offs to loans | 0.2306% | 385 |
| Credit loss provision to net charge-offs | 37.1134% | 1,945 |
| Earnings coverage of net charge-offs (x) | 8.5567% | 2,190 |
| Efficiency ratio | 61.4491% | 2,790 |
| Assets per employee ($millions) | 4.7336% | 3,780 |
| Cash dividends to net income (ytd only)* | 47.3146% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 1,721 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.0300% | 2,161 |
| Net loans and leases to deposits | 77.8537% | 2,260 |
| Net loans and leases to core deposits | 78.2269% | 2,728 |
| Total domestic deposits to total assets | 86.1000% | 2,157 |
| Equity capital to assets | 11.2341% | 1,260 |
| Core capital (leverage) ratio | 11.3544% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $86,502,500 | 3,969 |
| Average earning assets | $83,878,500 | 3,905 |
| Average equity | $9,410,250 | 3,780 |
| Average total loans | $56,081,250 | 3,767 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 3,822 |
| Cost of funding earning assets | 0.7122% | 3,448 |
| Net interest margin | 3.2153% | 2,948 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.9946% | 3,615 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2377% | 1,722 |
| Return on assets (ROA) | 1.2377% | 1,718 |
| Pretax return on assets | 1.2561% | 2,204 |
| Return on Equity (ROE) | 11.5000% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.1489% | 1,646 |
| Net charge-offs to loans | 0.4182% | 202 |
| Credit loss provision to net charge-offs | 20.6897% | 1,765 |
| Earnings coverage of net charge-offs (x) | 4.9138% | 2,196 |
| Efficiency ratio | 60.3340% | 2,925 |
| Assets per employee ($millions) | 4.4337% | 3,992 |
| Cash dividends to net income (ytd only)* | 20.4461% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 1,841 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 65.7500% | 2,182 |
| Net loans and leases to deposits | 76.1240% | 2,304 |
| Net loans and leases to core deposits | 76.1240% | 2,754 |
| Total domestic deposits to total assets | 86.3700% | 2,125 |
| Equity capital to assets | 11.3818% | 1,237 |
| Core capital (leverage) ratio | 11.2697% | 1,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $86,935,000 | 3,980 |
| Average earning assets | $84,532,667 | 3,915 |
| Average equity | $9,356,333 | 3,812 |
| Average total loans | $55,479,333 | 3,783 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 3,924 |
| Cost of funding earning assets | 0.6412% | 3,258 |
| Net interest margin | 3.1178% | 3,310 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 2.0163% | 3,592 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1237% | 2,150 |
| Return on assets (ROA) | 1.1237% | 2,116 |
| Pretax return on assets | 1.1418% | 2,592 |
| Return on Equity (ROE) | 10.7400% | 2,563 |
| Retained earnings to average equity (ytd only) | 6.9693% | 2,502 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.7645% | 2,600 |
| Assets per employee ($millions) | 4.7535% | 3,842 |
| Cash dividends to net income (ytd only)* | 35.0806% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,104 |
| Loan loss allowance to noncurrent loans | 612.3188% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 2,442 |
| Noncurrent loans to loans | 0.2539% | 2,236 |
| Net loans and leases to total assets | 59.2500% | 2,744 |
| Net loans and leases to deposits | 66.3826% | 2,899 |
| Net loans and leases to core deposits | 66.3826% | 3,199 |
| Total domestic deposits to total assets | 89.2600% | 1,437 |
| Equity capital to assets | 10.3203% | 1,660 |
| Core capital (leverage) ratio | 10.4855% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $88,282,500 | 4,016 |
| Average earning assets | $86,085,500 | 3,950 |
| Average equity | $9,240,500 | 3,867 |
| Average total loans | $55,156,500 | 3,833 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3133% | 3,556 |
| Cost of funding earning assets | 0.2936% | 2,930 |
| Net interest margin | 3.0197% | 3,399 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.0269% | 3,513 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0175% | 2,506 |
| Return on assets (ROA) | 1.0164% | 2,451 |
| Pretax return on assets | 1.0316% | 2,971 |
| Return on Equity (ROE) | 9.5300% | 2,962 |
| Retained earnings to average equity (ytd only) | 2.4052% | 3,887 |
| Net charge-offs to loans | 0.0320% | 1,432 |
| Credit loss provision to net charge-offs | 211.7647% | 1,086 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,311 |
| Efficiency ratio | 65.3454% | 2,315 |
| Assets per employee ($millions) | 5.0734% | 3,613 |
| Cash dividends to net income (ytd only)* | 74.7696% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,233 |
| Loan loss allowance to noncurrent loans | 617.0370% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,433 |
| Noncurrent loans to loans | 0.2413% | 2,315 |
| Net loans and leases to total assets | 63.9100% | 2,252 |
| Net loans and leases to deposits | 71.8417% | 2,421 |
| Net loans and leases to core deposits | 71.8417% | 2,736 |
| Total domestic deposits to total assets | 88.9600% | 1,731 |
| Equity capital to assets | 10.6205% | 1,400 |
| Core capital (leverage) ratio | 10.4523% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $85,401,000 | 4,070 |
| Average earning assets | $83,119,600 | 4,004 |
| Average equity | $9,105,200 | 3,982 |
| Average total loans | $53,062,800 | 3,846 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1908% | 3,458 |
| Cost of funding earning assets | 0.2092% | 3,163 |
| Net interest margin | 2.9817% | 3,267 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.9799% | 3,535 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0220% | 2,399 |
| Return on assets (ROA) | 1.0220% | 2,374 |
| Pretax return on assets | 1.0377% | 2,908 |
| Return on Equity (ROE) | 9.5800% | 2,850 |
| Retained earnings to average equity (ytd only) | 4.0183% | 3,439 |
| Net charge-offs to loans | 0.0178% | 1,488 |
| Credit loss provision to net charge-offs | 385.7143% | 722 |
| Earnings coverage of net charge-offs (x) | 98.5714% | 957 |
| Efficiency ratio | 64.7059% | 2,452 |
| Assets per employee ($millions) | 4.6045% | 3,978 |
| Cash dividends to net income (ytd only)* | 58.0398% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,238 |
| Loan loss allowance to noncurrent loans | 3,790.9091% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,686 |
| Noncurrent loans to loans | 0.0402% | 3,601 |
| Net loans and leases to total assets | 61.6700% | 2,330 |
| Net loans and leases to deposits | 69.3372% | 2,428 |
| Net loans and leases to core deposits | 69.3372% | 2,694 |
| Total domestic deposits to total assets | 88.9400% | 2,120 |
| Equity capital to assets | 10.5332% | 1,352 |
| Core capital (leverage) ratio | 10.9107% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $85,189,250 | 4,102 |
| Average earning assets | $82,860,000 | 4,035 |
| Average equity | $9,091,500 | 4,026 |
| Average total loans | $52,339,750 | 3,877 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1335% | 3,230 |
| Cost of funding earning assets | 0.1876% | 3,080 |
| Net interest margin | 2.9458% | 3,045 |
| Noninterest income to average assets | 0.1635% | 4,191 |
| Noninterest expense to average assets | 1.9828% | 3,477 |
| Loan and lease loss provision to assets | 0.0426% | 1,804 |
| Net operating income to assets | 0.9832% | 2,217 |
| Return on assets (ROA) | 0.7557% | 3,078 |
| Pretax return on assets | 0.7699% | 3,406 |
| Return on Equity (ROE) | 7.0495% | 3,302 |
| Retained earnings to average equity (ytd only) | 2.7844% | 3,514 |
| Net charge-offs to loans | 0.0078% | 1,707 |
| Credit loss provision to net charge-offs | 900.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 220.5000% | 512 |
| Efficiency ratio | 65.4930% | 2,580 |
| Assets per employee ($millions) | 4.4843% | 4,081 |
| Cash dividends to net income (ytd only)* | 60.5016% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 1,183 |
| Loan loss allowance to noncurrent loans | 902.1739% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,951 |
| Noncurrent loans to loans | 0.1757% | 2,814 |
| Net loans and leases to total assets | 60.4911% | 2,275 |
| Net loans and leases to deposits | 68.3713% | 2,355 |
| Net loans and leases to core deposits | 68.3713% | 2,619 |
| Total domestic deposits to total assets | 88.4743% | 2,395 |
| Equity capital to assets | 10.6407% | 1,374 |
| Core capital (leverage) ratio | 10.5681% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,424,000 | 4,148 |
| Average earning assets | $82,082,000 | 4,096 |
| Average equity | $9,050,333 | 4,096 |
| Average total loans | $51,524,333 | 3,938 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0854% | 3,019 |
| Cost of funding earning assets | 0.1864% | 2,991 |
| Net interest margin | 2.8990% | 2,842 |
| Noninterest income to average assets | 0.1380% | 4,328 |
| Noninterest expense to average assets | 1.9849% | 3,467 |
| Loan and lease loss provision to assets | 0.0428% | 1,584 |
| Net operating income to assets | 0.9096% | 2,244 |
| Return on assets (ROA) | 0.9567% | 2,041 |
| Pretax return on assets | 0.9710% | 2,535 |
| Return on Equity (ROE) | 8.8913% | 2,358 |
| Retained earnings to average equity (ytd only) | 8.8913% | 1,298 |
| Net charge-offs to loans | 0.0157% | 1,226 |
| Credit loss provision to net charge-offs | 450.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 101.5000% | 669 |
| Efficiency ratio | 67.2581% | 2,598 |
| Assets per employee ($millions) | 4.5322% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 1,203 |
| Loan loss allowance to noncurrent loans | 912.2222% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 3,079 |
| Noncurrent loans to loans | 0.1783% | 2,926 |
| Net loans and leases to total assets | 57.6598% | 2,333 |
| Net loans and leases to deposits | 65.1353% | 2,418 |
| Net loans and leases to core deposits | 65.1353% | 2,706 |
| Total domestic deposits to total assets | 88.5231% | 2,288 |
| Equity capital to assets | 10.6176% | 1,537 |
| Core capital (leverage) ratio | 10.6323% | 1,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,035,500 | 4,174 |
| Average earning assets | $81,545,500 | 4,121 |
| Average equity | $9,042,500 | 4,154 |
| Average total loans | $51,102,000 | 3,958 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 3,015 |
| Cost of funding earning assets | 0.2408% | 3,041 |
| Net interest margin | 3.1251% | 2,822 |
| Noninterest income to average assets | 0.1677% | 4,319 |
| Noninterest expense to average assets | 2.1377% | 3,278 |
| Loan and lease loss provision to assets | 0.0451% | 2,154 |
| Net operating income to assets | 0.9937% | 2,699 |
| Return on assets (ROA) | 0.9937% | 2,765 |
| Pretax return on assets | 1.0063% | 3,247 |
| Return on Equity (ROE) | 8.8802% | 2,961 |
| Retained earnings to average equity (ytd only) | 1.9013% | 4,006 |
| Net charge-offs to loans | -0.0020% | 3,363 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0330% | 2,122 |
| Assets per employee ($millions) | 4.3136% | 4,262 |
| Cash dividends to net income (ytd only)* | 78.5894% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 1,323 |
| Loan loss allowance to noncurrent loans | 914.6067% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 3,168 |
| Noncurrent loans to loans | 0.1720% | 3,091 |
| Net loans and leases to total assets | 62.1250% | 1,923 |
| Net loans and leases to deposits | 70.4509% | 2,081 |
| Net loans and leases to core deposits | 70.9417% | 2,361 |
| Total domestic deposits to total assets | 88.1819% | 1,940 |
| Equity capital to assets | 10.9103% | 1,849 |
| Core capital (leverage) ratio | 11.0597% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,900,400 | 4,220 |
| Average earning assets | $77,245,200 | 4,166 |
| Average equity | $8,941,200 | 4,250 |
| Average total loans | $49,701,200 | 4,005 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4017% | 3,097 |
| Cost of funding earning assets | 0.2517% | 3,108 |
| Net interest margin | 3.1500% | 2,894 |
| Noninterest income to average assets | 0.1646% | 4,379 |
| Noninterest expense to average assets | 2.0927% | 3,389 |
| Loan and lease loss provision to assets | 0.0453% | 2,092 |
| Net operating income to assets | 1.0615% | 2,684 |
| Return on assets (ROA) | 1.0615% | 2,753 |
| Pretax return on assets | 1.0749% | 3,254 |
| Return on Equity (ROE) | 9.4245% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.2649% | 3,491 |
| Net charge-offs to loans | -0.0027% | 3,274 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1333% | 2,229 |
| Assets per employee ($millions) | 4.3901% | 4,194 |
| Cash dividends to net income (ytd only)* | 54.7468% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 1,132 |
| Loan loss allowance to noncurrent loans | 26,833.3333% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,236 |
| Noncurrent loans to loans | 0.0063% | 4,162 |
| Net loans and leases to total assets | 59.4113% | 2,332 |
| Net loans and leases to deposits | 67.9234% | 2,443 |
| Net loans and leases to core deposits | 68.4184% | 2,738 |
| Total domestic deposits to total assets | 87.4680% | 2,125 |
| Equity capital to assets | 11.4639% | 1,704 |
| Core capital (leverage) ratio | 11.3393% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,385,750 | 4,278 |
| Average earning assets | $76,823,500 | 4,224 |
| Average equity | $8,941,000 | 4,309 |
| Average total loans | $49,193,750 | 4,073 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4069% | 3,164 |
| Cost of funding earning assets | 0.2603% | 3,183 |
| Net interest margin | 3.1467% | 2,898 |
| Noninterest income to average assets | 0.1610% | 4,395 |
| Noninterest expense to average assets | 2.0778% | 3,459 |
| Loan and lease loss provision to assets | 0.0453% | 2,108 |
| Net operating income to assets | 1.0693% | 2,649 |
| Return on assets (ROA) | 1.0942% | 2,640 |
| Pretax return on assets | 1.1043% | 3,202 |
| Return on Equity (ROE) | 9.7735% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.2803% | 3,748 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8861% | 2,312 |
| Assets per employee ($millions) | 4.7555% | 3,877 |
| Cash dividends to net income (ytd only)* | 66.4368% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 1,155 |
| Loan loss allowance to noncurrent loans | 5,678.5714% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,166 |
| Noncurrent loans to loans | 0.0292% | 4,062 |
| Net loans and leases to total assets | 58.3143% | 2,626 |
| Net loans and leases to deposits | 65.9998% | 2,823 |
| Net loans and leases to core deposits | 66.4669% | 3,079 |
| Total domestic deposits to total assets | 88.3552% | 1,643 |
| Equity capital to assets | 11.0337% | 1,953 |
| Core capital (leverage) ratio | 11.0277% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,507,000 | 4,296 |
| Average earning assets | $76,843,000 | 4,247 |
| Average equity | $8,901,667 | 4,333 |
| Average total loans | $49,674,000 | 4,095 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4780% | 2,990 |
| Cost of funding earning assets | 0.2623% | 3,358 |
| Net interest margin | 3.2157% | 2,644 |
| Noninterest income to average assets | 0.1471% | 4,465 |
| Noninterest expense to average assets | 2.0244% | 3,642 |
| Loan and lease loss provision to assets | 0.0457% | 2,164 |
| Net operating income to assets | 1.1771% | 2,246 |
| Return on assets (ROA) | 1.1771% | 2,313 |
| Pretax return on assets | 1.1872% | 2,880 |
| Return on Equity (ROE) | 10.4358% | 2,554 |
| Retained earnings to average equity (ytd only) | 10.4358% | 1,538 |
| Net charge-offs to loans | 0.0158% | 1,425 |
| Credit loss provision to net charge-offs | 450.0000% | 615 |
| Earnings coverage of net charge-offs (x) | 121.5000% | 546 |
| Efficiency ratio | 62.1495% | 2,731 |
| Assets per employee ($millions) | 4.0871% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 1,365 |
| Loan loss allowance to noncurrent loans | 2,529.0323% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,101 |
| Noncurrent loans to loans | 0.0622% | 3,977 |
| Net loans and leases to total assets | 60.0426% | 2,540 |
| Net loans and leases to deposits | 67.9289% | 2,712 |
| Net loans and leases to core deposits | 68.6453% | 3,003 |
| Total domestic deposits to total assets | 88.3903% | 1,660 |
| Equity capital to assets | 11.0200% | 1,841 |
| Core capital (leverage) ratio | 11.0791% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,839,000 | 4,321 |
| Average earning assets | $76,250,000 | 4,278 |
| Average equity | $8,892,500 | 4,347 |
| Average total loans | $50,542,000 | 4,088 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0879% | 2,455 |
| Cost of funding earning assets | 0.4756% | 3,115 |
| Net interest margin | 3.6123% | 2,100 |
| Noninterest income to average assets | 0.1773% | 4,399 |
| Noninterest expense to average assets | 2.3415% | 3,294 |
| Loan and lease loss provision to assets | 0.0484% | 3,789 |
| Net operating income to assets | 1.2829% | 1,297 |
| Return on assets (ROA) | 1.2829% | 1,398 |
| Pretax return on assets | 1.2977% | 1,984 |
| Return on Equity (ROE) | 10.9285% | 1,657 |
| Retained earnings to average equity (ytd only) | 3.3644% | 3,144 |
| Net charge-offs to loans | 0.0262% | 2,512 |
| Credit loss provision to net charge-offs | 276.9231% | 1,812 |
| Earnings coverage of net charge-offs (x) | 77.0769% | 917 |
| Efficiency ratio | 63.4973% | 2,894 |
| Assets per employee ($millions) | 4.2187% | 4,203 |
| Cash dividends to net income (ytd only)* | 69.2147% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,525 |
| Loan loss allowance to noncurrent loans | 3,531.8182% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,216 |
| Noncurrent loans to loans | 0.0430% | 4,126 |
| Net loans and leases to total assets | 66.4283% | 2,026 |
| Net loans and leases to deposits | 75.6403% | 2,315 |
| Net loans and leases to core deposits | 76.5041% | 2,674 |
| Total domestic deposits to total assets | 87.8213% | 1,567 |
| Equity capital to assets | 11.5584% | 1,840 |
| Core capital (leverage) ratio | 11.5946% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,440,200 | 4,317 |
| Average earning assets | $72,335,600 | 4,266 |
| Average equity | $8,738,600 | 4,344 |
| Average total loans | $49,616,400 | 4,118 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,594 |
| Cost of funding earning assets | 0.5319% | 3,037 |
| Net interest margin | 3.5961% | 2,283 |
| Noninterest income to average assets | 0.1800% | 4,391 |
| Noninterest expense to average assets | 2.2610% | 3,524 |
| Loan and lease loss provision to assets | 0.0486% | 3,749 |
| Net operating income to assets | 1.3609% | 1,198 |
| Return on assets (ROA) | 1.3609% | 1,299 |
| Pretax return on assets | 1.3753% | 1,811 |
| Return on Equity (ROE) | 11.5474% | 1,497 |
| Retained earnings to average equity (ytd only) | 5.8195% | 2,179 |
| Net charge-offs to loans | 0.0325% | 2,175 |
| Credit loss provision to net charge-offs | 225.0000% | 2,013 |
| Earnings coverage of net charge-offs (x) | 65.9167% | 1,040 |
| Efficiency ratio | 61.3581% | 3,170 |
| Assets per employee ($millions) | 4.1003% | 4,236 |
| Cash dividends to net income (ytd only)* | 49.6032% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,156 |
| Loan loss allowance to noncurrent loans | 3,657.1429% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,321 |
| Noncurrent loans to loans | 0.0432% | 4,213 |
| Net loans and leases to total assets | 64.7680% | 2,667 |
| Net loans and leases to deposits | 74.2256% | 2,932 |
| Net loans and leases to core deposits | 75.1025% | 3,232 |
| Total domestic deposits to total assets | 87.2583% | 1,555 |
| Equity capital to assets | 11.9748% | 1,691 |
| Core capital (leverage) ratio | 11.8098% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,066,250 | 4,333 |
| Average earning assets | $72,187,500 | 4,268 |
| Average equity | $8,729,000 | 4,361 |
| Average total loans | $49,215,500 | 4,150 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,862 |
| Cost of funding earning assets | 0.5935% | 3,000 |
| Net interest margin | 3.5720% | 2,571 |
| Noninterest income to average assets | 0.1807% | 4,378 |
| Noninterest expense to average assets | 2.2575% | 3,633 |
| Loan and lease loss provision to assets | 0.0485% | 3,694 |
| Net operating income to assets | 1.3520% | 1,216 |
| Return on assets (ROA) | 1.4295% | 1,140 |
| Pretax return on assets | 1.4430% | 1,607 |
| Return on Equity (ROE) | 12.1942% | 1,287 |
| Retained earnings to average equity (ytd only) | 8.8810% | 1,037 |
| Net charge-offs to loans | 0.0162% | 2,412 |
| Credit loss provision to net charge-offs | 450.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 585 |
| Efficiency ratio | 61.4989% | 3,204 |
| Assets per employee ($millions) | 4.1176% | 4,188 |
| Cash dividends to net income (ytd only)* | 27.1698% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,120 |
| Loan loss allowance to noncurrent loans | 3,490.9091% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,401 |
| Noncurrent loans to loans | 0.0444% | 4,305 |
| Net loans and leases to total assets | 65.7469% | 2,662 |
| Net loans and leases to deposits | 75.2781% | 2,942 |
| Net loans and leases to core deposits | 76.1700% | 3,268 |
| Total domestic deposits to total assets | 87.3388% | 1,481 |
| Equity capital to assets | 11.9299% | 1,707 |
| Core capital (leverage) ratio | 11.7751% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,153,333 | 4,332 |
| Average earning assets | $72,452,000 | 4,267 |
| Average equity | $8,692,667 | 4,374 |
| Average total loans | $49,430,667 | 4,156 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 3,013 |
| Cost of funding earning assets | 0.6450% | 3,192 |
| Net interest margin | 3.6218% | 2,598 |
| Noninterest income to average assets | 0.1888% | 4,423 |
| Noninterest expense to average assets | 2.2758% | 3,826 |
| Loan and lease loss provision to assets | 0.0485% | 3,171 |
| Net operating income to assets | 1.4021% | 968 |
| Return on assets (ROA) | 1.4021% | 1,051 |
| Pretax return on assets | 1.4075% | 1,539 |
| Return on Equity (ROE) | 12.0678% | 1,087 |
| Retained earnings to average equity (ytd only) | 12.0678% | 422 |
| Net charge-offs to loans | 0.0324% | 1,742 |
| Credit loss provision to net charge-offs | 225.0000% | 1,347 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 745 |
| Efficiency ratio | 60.9827% | 3,618 |
| Assets per employee ($millions) | 4.1372% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,340 |
| Loan loss allowance to noncurrent loans | 2,448.3871% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,401 |
| Noncurrent loans to loans | 0.0613% | 4,296 |
| Net loans and leases to total assets | 66.8936% | 2,709 |
| Net loans and leases to deposits | 76.4010% | 3,036 |
| Net loans and leases to core deposits | 76.9998% | 3,432 |
| Total domestic deposits to total assets | 87.5559% | 1,300 |
| Equity capital to assets | 11.7458% | 2,253 |
| Core capital (leverage) ratio | 11.3880% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1939% | 623 |
| Memoranda: | ||
| Average total assets | $74,172,000 | 4,342 |
| Average earning assets | $72,560,500 | 4,280 |
| Average equity | $8,618,000 | 4,404 |
| Average total loans | $49,397,500 | 4,163 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 3,107 |
| Cost of funding earning assets | 0.6908% | 3,203 |
| Net interest margin | 3.7628% | 2,630 |
| Noninterest income to average assets | 0.1719% | 4,630 |
| Noninterest expense to average assets | 2.3654% | 3,783 |
| Loan and lease loss provision to assets | 0.0416% | 3,184 |
| Net operating income to assets | 1.3948% | 1,357 |
| Return on assets (ROA) | 1.3948% | 1,429 |
| Pretax return on assets | 1.4128% | 2,109 |
| Return on Equity (ROE) | 11.9765% | 1,524 |
| Retained earnings to average equity (ytd only) | 4.3096% | 2,806 |
| Net charge-offs to loans | 0.0409% | 2,570 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 52.4500% | 1,090 |
| Efficiency ratio | 61.9238% | 3,395 |
| Assets per employee ($millions) | 4.1042% | 3,768 |
| Cash dividends to net income (ytd only)* | 64.0159% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 1,058 |
| Loan loss allowance to noncurrent loans | 1,092.7536% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 4,160 |
| Noncurrent loans to loans | 0.1431% | 3,958 |
| Net loans and leases to total assets | 64.2531% | 3,164 |
| Net loans and leases to deposits | 73.1612% | 3,420 |
| Net loans and leases to core deposits | 73.7294% | 3,742 |
| Total domestic deposits to total assets | 87.8240% | 1,217 |
| Equity capital to assets | 11.4910% | 2,538 |
| Core capital (leverage) ratio | 11.4688% | 2,135 |
| Tier 1 risk-based capital ratio | 20.9964% | 1,166 |
| Total risk-based capital ratio | 22.2562% | 1,137 |
| Memoranda: | ||
| Average total assets | $72,124,400 | 4,392 |
| Average earning assets | $69,920,800 | 4,346 |
| Average equity | $8,399,800 | 4,459 |
| Average total loans | $48,858,600 | 4,210 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 3,111 |
| Cost of funding earning assets | 0.6796% | 3,311 |
| Net interest margin | 3.8040% | 2,584 |
| Noninterest income to average assets | 0.1581% | 4,758 |
| Noninterest expense to average assets | 2.2747% | 4,019 |
| Loan and lease loss provision to assets | 0.0558% | 2,794 |
| Net operating income to assets | 1.4842% | 1,232 |
| Return on assets (ROA) | 1.4842% | 1,289 |
| Pretax return on assets | 1.5028% | 1,946 |
| Return on Equity (ROE) | 12.7003% | 1,385 |
| Retained earnings to average equity (ytd only) | 8.1009% | 1,352 |
| Net charge-offs to loans | 0.0082% | 3,081 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 279.3275% | 331 |
| Efficiency ratio | 59.3401% | 3,760 |
| Assets per employee ($millions) | 4.0127% | 3,886 |
| Cash dividends to net income (ytd only)* | 36.2153% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,034 |
| Loan loss allowance to noncurrent loans | 748.5437% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 4,025 |
| Noncurrent loans to loans | 0.2110% | 3,782 |
| Net loans and leases to total assets | 66.5245% | 2,986 |
| Net loans and leases to deposits | 76.1936% | 3,275 |
| Net loans and leases to core deposits | 76.8026% | 3,640 |
| Total domestic deposits to total assets | 87.3098% | 1,368 |
| Equity capital to assets | 11.9564% | 2,294 |
| Core capital (leverage) ratio | 11.7613% | 2,036 |
| Tier 1 risk-based capital ratio | 22.4744% | 1,015 |
| Total risk-based capital ratio | 23.7346% | 980 |
| Memoranda: | ||
| Average total assets | $71,686,750 | 4,457 |
| Average earning assets | $69,258,000 | 4,411 |
| Average equity | $8,377,500 | 4,513 |
| Average total loans | $49,018,000 | 4,254 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 3,121 |
| Cost of funding earning assets | 0.6534% | 3,392 |
| Net interest margin | 3.8132% | 2,541 |
| Noninterest income to average assets | 0.1426% | 4,856 |
| Noninterest expense to average assets | 2.2627% | 4,096 |
| Loan and lease loss provision to assets | 0.0839% | 2,168 |
| Net operating income to assets | 1.4516% | 1,290 |
| Return on assets (ROA) | 1.4516% | 1,342 |
| Pretax return on assets | 1.4684% | 1,960 |
| Return on Equity (ROE) | 12.5191% | 1,402 |
| Retained earnings to average equity (ytd only) | 5.5480% | 2,493 |
| Net charge-offs to loans | 0.0081% | 2,851 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 277.5000% | 287 |
| Efficiency ratio | 59.3109% | 3,827 |
| Assets per employee ($millions) | 3.6699% | 4,283 |
| Cash dividends to net income (ytd only)* | 55.6840% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,022 |
| Loan loss allowance to noncurrent loans | 1,118.8406% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 4,292 |
| Noncurrent loans to loans | 0.1432% | 4,042 |
| Net loans and leases to total assets | 64.5849% | 3,277 |
| Net loans and leases to deposits | 73.5459% | 3,555 |
| Net loans and leases to core deposits | 74.4141% | 3,868 |
| Total domestic deposits to total assets | 87.8157% | 1,189 |
| Equity capital to assets | 11.3900% | 2,709 |
| Core capital (leverage) ratio | 11.3403% | 2,303 |
| Tier 1 risk-based capital ratio | 21.8883% | 1,066 |
| Total risk-based capital ratio | 23.1488% | 1,043 |
| Memoranda: | ||
| Average total assets | $71,506,000 | 4,494 |
| Average earning assets | $68,866,670 | 4,451 |
| Average equity | $8,291,330 | 4,542 |
| Average total loans | $49,083,670 | 4,281 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 3,026 |
| Cost of funding earning assets | 0.6207% | 3,461 |
| Net interest margin | 3.8363% | 2,394 |
| Noninterest income to average assets | 0.1304% | 4,947 |
| Noninterest expense to average assets | 2.3016% | 4,015 |
| Loan and lease loss provision to assets | 0.0850% | 2,002 |
| Net operating income to assets | 1.4116% | 1,347 |
| Return on assets (ROA) | 1.4116% | 1,373 |
| Pretax return on assets | 1.4229% | 2,007 |
| Return on Equity (ROE) | 12.0625% | 1,510 |
| Retained earnings to average equity (ytd only) | 12.0625% | 600 |
| Net charge-offs to loans | 0.0161% | 2,149 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 552 |
| Efficiency ratio | 60.4167% | 3,752 |
| Assets per employee ($millions) | 3.5930% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,179 |
| Loan loss allowance to noncurrent loans | 9,462.5000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,820 |
| Noncurrent loans to loans | 0.0164% | 4,712 |
| Net loans and leases to total assets | 66.8518% | 2,924 |
| Net loans and leases to deposits | 76.3360% | 3,229 |
| Net loans and leases to core deposits | 77.2567% | 3,578 |
| Total domestic deposits to total assets | 87.5757% | 1,533 |
| Equity capital to assets | 11.6631% | 2,262 |
| Core capital (leverage) ratio | 11.5396% | 2,109 |
| Tier 1 risk-based capital ratio | 21.5454% | 1,103 |
| Total risk-based capital ratio | 22.8066% | 1,082 |
| Memoranda: | ||
| Average total assets | $70,560,000 | 4,557 |
| Average earning assets | $67,669,500 | 4,517 |
| Average equity | $8,257,000 | 4,580 |
| Average total loans | $49,537,500 | 4,311 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 3,038 |
| Cost of funding earning assets | 0.4723% | 3,537 |
| Net interest margin | 3.8488% | 2,508 |
| Noninterest income to average assets | 0.1781% | 4,838 |
| Noninterest expense to average assets | 2.3405% | 4,020 |
| Loan and lease loss provision to assets | 0.0848% | 2,436 |
| Net operating income to assets | 1.4543% | 1,258 |
| Return on assets (ROA) | 1.4543% | 1,248 |
| Pretax return on assets | 1.4727% | 1,866 |
| Return on Equity (ROE) | 12.7867% | 1,430 |
| Retained earnings to average equity (ytd only) | 4.4859% | 3,059 |
| Net charge-offs to loans | 0.0077% | 3,410 |
| Credit loss provision to net charge-offs | 1,500.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 275.5000% | 353 |
| Efficiency ratio | 60.0435% | 3,853 |
| Assets per employee ($millions) | 3.4631% | 4,588 |
| Cash dividends to net income (ytd only)* | 64.9174% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 1,352 |
| Loan loss allowance to noncurrent loans | 448.1928% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2397% | 3,644 |
| Noncurrent loans to loans | 0.3302% | 3,366 |
| Net loans and leases to total assets | 71.5193% | 2,339 |
| Net loans and leases to deposits | 81.7369% | 2,766 |
| Net loans and leases to core deposits | 81.7369% | 3,283 |
| Total domestic deposits to total assets | 87.4995% | 1,536 |
| Equity capital to assets | 11.7425% | 2,069 |
| Core capital (leverage) ratio | 11.6864% | 1,962 |
| Tier 1 risk-based capital ratio | 19.6664% | 1,364 |
| Total risk-based capital ratio | 20.9504% | 1,324 |
| Memoranda: | ||
| Average total assets | $70,755,600 | 4,572 |
| Average earning assets | $68,385,200 | 4,521 |
| Average equity | $8,047,400 | 4,600 |
| Average total loans | $52,160,600 | 4,260 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 3,072 |
| Cost of funding earning assets | 0.4397% | 3,600 |
| Net interest margin | 3.8313% | 2,522 |
| Noninterest income to average assets | 0.1762% | 4,904 |
| Noninterest expense to average assets | 2.3431% | 3,988 |
| Loan and lease loss provision to assets | 0.0844% | 2,279 |
| Net operating income to assets | 1.4396% | 1,362 |
| Return on assets (ROA) | 1.4396% | 1,362 |
| Pretax return on assets | 1.4565% | 2,038 |
| Return on Equity (ROE) | 12.7582% | 1,518 |
| Retained earnings to average equity (ytd only) | 6.2462% | 2,523 |
| Net charge-offs to loans | 0.0101% | 3,063 |
| Credit loss provision to net charge-offs | 1,125.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 205.6229% | 432 |
| Efficiency ratio | 60.3282% | 3,768 |
| Assets per employee ($millions) | 3.5189% | 4,539 |
| Cash dividends to net income (ytd only)* | 51.0415% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 1,671 |
| Loan loss allowance to noncurrent loans | 540.0000% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 3,979 |
| Noncurrent loans to loans | 0.2605% | 3,753 |
| Net loans and leases to total assets | 72.6075% | 2,229 |
| Net loans and leases to deposits | 83.0351% | 2,710 |
| Net loans and leases to core deposits | 83.0351% | 3,246 |
| Total domestic deposits to total assets | 87.4419% | 1,524 |
| Equity capital to assets | 11.5904% | 2,188 |
| Core capital (leverage) ratio | 11.6033% | 2,084 |
| Tier 1 risk-based capital ratio | 19.7408% | 1,394 |
| Total risk-based capital ratio | 21.0321% | 1,349 |
| Memoranda: | ||
| Average total assets | $71,129,250 | 4,613 |
| Average earning assets | $68,834,500 | 4,562 |
| Average equity | $8,026,000 | 4,651 |
| Average total loans | $52,631,000 | 4,299 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 3,048 |
| Cost of funding earning assets | 0.4145% | 3,607 |
| Net interest margin | 3.8060% | 2,546 |
| Noninterest income to average assets | 0.1681% | 4,984 |
| Noninterest expense to average assets | 2.3340% | 4,065 |
| Loan and lease loss provision to assets | 0.0841% | 2,233 |
| Net operating income to assets | 1.4150% | 1,379 |
| Return on assets (ROA) | 1.4150% | 1,386 |
| Pretax return on assets | 1.4290% | 2,056 |
| Return on Equity (ROE) | 12.6529% | 1,494 |
| Retained earnings to average equity (ytd only) | 9.0700% | 1,189 |
| Net charge-offs to loans | 0.0151% | 2,640 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 566 |
| Efficiency ratio | 60.6701% | 3,821 |
| Assets per employee ($millions) | 3.8003% | 4,212 |
| Cash dividends to net income (ytd only)* | 28.3168% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,111 |
| Loan loss allowance to noncurrent loans | 562.2047% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 4,106 |
| Noncurrent loans to loans | 0.2333% | 3,875 |
| Net loans and leases to total assets | 74.4020% | 1,883 |
| Net loans and leases to deposits | 86.0337% | 2,303 |
| Net loans and leases to core deposits | 86.0337% | 2,923 |
| Total domestic deposits to total assets | 86.4802% | 2,066 |
| Equity capital to assets | 11.2804% | 2,379 |
| Core capital (leverage) ratio | 11.2599% | 2,293 |
| Tier 1 risk-based capital ratio | 18.8713% | 1,585 |
| Total risk-based capital ratio | 20.1614% | 1,531 |
| Memoranda: | ||
| Average total assets | $71,380,000 | 4,659 |
| Average earning assets | $68,996,670 | 4,606 |
| Average equity | $7,982,330 | 4,696 |
| Average total loans | $52,898,670 | 4,327 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,051 |
| Cost of funding earning assets | 0.4014% | 3,573 |
| Net interest margin | 3.7523% | 2,606 |
| Noninterest income to average assets | 0.1522% | 5,105 |
| Noninterest expense to average assets | 2.3335% | 4,104 |
| Loan and lease loss provision to assets | 0.0845% | 2,115 |
| Net operating income to assets | 1.3640% | 1,441 |
| Return on assets (ROA) | 1.3640% | 1,454 |
| Pretax return on assets | 1.3696% | 2,107 |
| Return on Equity (ROE) | 12.2516% | 1,492 |
| Retained earnings to average equity (ytd only) | 12.2516% | 640 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6071% | 3,857 |
| Assets per employee ($millions) | 3.8012% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,015 |
| Loan loss allowance to noncurrent loans | 552.7559% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 4,205 |
| Noncurrent loans to loans | 0.2444% | 3,891 |
| Net loans and leases to total assets | 70.9811% | 2,329 |
| Net loans and leases to deposits | 80.6888% | 2,732 |
| Net loans and leases to core deposits | 81.2347% | 3,217 |
| Total domestic deposits to total assets | 87.9690% | 1,635 |
| Equity capital to assets | 11.1074% | 2,477 |
| Core capital (leverage) ratio | 10.9604% | 2,483 |
| Tier 1 risk-based capital ratio | 19.2005% | 1,504 |
| Total risk-based capital ratio | 20.4872% | 1,456 |
| Memoranda: | ||
| Average total assets | $70,967,500 | 4,725 |
| Average earning assets | $68,757,500 | 4,665 |
| Average equity | $7,901,000 | 4,762 |
| Average total loans | $52,130,000 | 4,391 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 2,346 |
| Cost of funding earning assets | 0.3608% | 3,609 |
| Net interest margin | 3.9339% | 1,971 |
| Noninterest income to average assets | 0.1533% | 5,190 |
| Noninterest expense to average assets | 2.4278% | 3,994 |
| Loan and lease loss provision to assets | 0.0844% | 2,519 |
| Net operating income to assets | 1.3953% | 1,030 |
| Return on assets (ROA) | 1.3953% | 1,046 |
| Pretax return on assets | 1.4136% | 1,945 |
| Return on Equity (ROE) | 13.0071% | 951 |
| Retained earnings to average equity (ytd only) | 5.0612% | 2,088 |
| Net charge-offs to loans | 0.0484% | 2,819 |
| Credit loss provision to net charge-offs | 230.7692% | 1,200 |
| Earnings coverage of net charge-offs (x) | 40.9615% | 1,249 |
| Efficiency ratio | 61.8416% | 3,965 |
| Assets per employee ($millions) | 3.6691% | 4,484 |
| Cash dividends to net income (ytd only)* | 61.0887% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,158 |
| Loan loss allowance to noncurrent loans | 536.7188% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,211 |
| Noncurrent loans to loans | 0.2448% | 3,920 |
| Net loans and leases to total assets | 74.0278% | 1,919 |
| Net loans and leases to deposits | 84.2096% | 2,470 |
| Net loans and leases to core deposits | 84.2096% | 3,041 |
| Total domestic deposits to total assets | 87.9090% | 1,547 |
| Equity capital to assets | 11.1600% | 2,477 |
| Core capital (leverage) ratio | 10.9328% | 2,397 |
| Tier 1 risk-based capital ratio | 18.6886% | 1,591 |
| Total risk-based capital ratio | 19.9705% | 1,538 |
| Memoranda: | ||
| Average total assets | $71,094,000 | 4,761 |
| Average earning assets | $68,176,200 | 4,700 |
| Average equity | $7,626,600 | 4,839 |
| Average total loans | $53,687,000 | 4,370 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,379 |
| Cost of funding earning assets | 0.3453% | 3,720 |
| Net interest margin | 3.9210% | 1,965 |
| Noninterest income to average assets | 0.1456% | 5,280 |
| Noninterest expense to average assets | 2.3572% | 4,129 |
| Loan and lease loss provision to assets | 0.0840% | 2,412 |
| Net operating income to assets | 1.4371% | 1,012 |
| Return on assets (ROA) | 1.4371% | 1,030 |
| Pretax return on assets | 1.4557% | 1,926 |
| Return on Equity (ROE) | 13.5293% | 925 |
| Retained earnings to average equity (ytd only) | 6.7120% | 1,836 |
| Net charge-offs to loans | 0.0395% | 2,648 |
| Credit loss provision to net charge-offs | 281.2500% | 1,041 |
| Earnings coverage of net charge-offs (x) | 51.5692% | 1,097 |
| Efficiency ratio | 60.4885% | 4,131 |
| Assets per employee ($millions) | 3.4823% | 4,749 |
| Cash dividends to net income (ytd only)* | 50.3896% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2931% | 2,387 |
| Loan loss allowance to noncurrent loans | 988.4058% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 4,743 |
| Noncurrent loans to loans | 0.1308% | 4,535 |
| Net loans and leases to total assets | 74.7494% | 1,795 |
| Net loans and leases to deposits | 85.5715% | 2,355 |
| Net loans and leases to core deposits | 85.9274% | 2,977 |
| Total domestic deposits to total assets | 87.3532% | 1,698 |
| Equity capital to assets | 11.1291% | 2,737 |
| Core capital (leverage) ratio | 10.8988% | 2,551 |
| Tier 1 risk-based capital ratio | 19.1424% | 1,546 |
| Total risk-based capital ratio | 20.3966% | 1,512 |
| Memoranda: | ||
| Average total assets | $71,439,250 | 4,805 |
| Average earning assets | $68,347,750 | 4,746 |
| Average equity | $7,588,250 | 4,892 |
| Average total loans | $54,035,250 | 4,397 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 2,367 |
| Cost of funding earning assets | 0.3286% | 3,811 |
| Net interest margin | 3.8992% | 1,929 |
| Noninterest income to average assets | 0.1360% | 5,370 |
| Noninterest expense to average assets | 2.3405% | 4,239 |
| Loan and lease loss provision to assets | 0.0833% | 2,321 |
| Net operating income to assets | 1.4187% | 1,023 |
| Return on assets (ROA) | 1.4187% | 1,046 |
| Pretax return on assets | 1.4354% | 1,875 |
| Return on Equity (ROE) | 13.5652% | 906 |
| Retained earnings to average equity (ytd only) | 6.1057% | 2,057 |
| Net charge-offs to loans | -0.0110% | 4,574 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6475% | 4,219 |
| Assets per employee ($millions) | 3.5252% | 4,679 |
| Cash dividends to net income (ytd only)* | 54.9902% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,537 |
| Loan loss allowance to noncurrent loans | 440.3846% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 4,270 |
| Noncurrent loans to loans | 0.2897% | 4,004 |
| Net loans and leases to total assets | 75.3929% | 1,630 |
| Net loans and leases to deposits | 85.5600% | 2,281 |
| Net loans and leases to core deposits | 85.9085% | 2,888 |
| Total domestic deposits to total assets | 88.1170% | 1,399 |
| Equity capital to assets | 10.7809% | 3,048 |
| Core capital (leverage) ratio | 10.5339% | 2,875 |
| Tier 1 risk-based capital ratio | 18.4294% | 1,737 |
| Total risk-based capital ratio | 19.6831% | 1,697 |
| Memoranda: | ||
| Average total assets | $72,037,000 | 4,820 |
| Average earning assets | $68,783,330 | 4,769 |
| Average equity | $7,534,000 | 4,924 |
| Average total loans | $54,466,330 | 4,401 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1433% | 2,501 |
| Cost of funding earning assets | 0.3174% | 3,878 |
| Net interest margin | 3.8259% | 2,028 |
| Noninterest income to average assets | 0.1209% | 5,506 |
| Noninterest expense to average assets | 2.2856% | 4,440 |
| Loan and lease loss provision to assets | 0.0824% | 2,172 |
| Net operating income to assets | 1.3845% | 1,029 |
| Return on assets (ROA) | 1.3845% | 1,061 |
| Pretax return on assets | 1.3955% | 1,906 |
| Return on Equity (ROE) | 13.4391% | 915 |
| Retained earnings to average equity (ytd only) | 13.4391% | 339 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7299% | 4,360 |
| Assets per employee ($millions) | 3.9394% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,882 |
| Loan loss allowance to noncurrent loans | 566.9492% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,626 |
| Noncurrent loans to loans | 0.2189% | 4,321 |
| Net loans and leases to total assets | 71.1188% | 2,199 |
| Net loans and leases to deposits | 80.0707% | 2,746 |
| Net loans and leases to core deposits | 80.3742% | 3,253 |
| Total domestic deposits to total assets | 88.8200% | 1,245 |
| Equity capital to assets | 10.1886% | 3,519 |
| Core capital (leverage) ratio | 10.1640% | 3,298 |
| Tier 1 risk-based capital ratio | 17.6757% | 1,983 |
| Total risk-based capital ratio | 18.9279% | 1,934 |
| Memoranda: | ||
| Average total assets | $72,803,500 | 4,854 |
| Average earning assets | $69,316,500 | 4,801 |
| Average equity | $7,500,500 | 4,972 |
| Average total loans | $54,778,500 | 4,431 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,132 |
| Cost of funding earning assets | 0.2997% | 4,066 |
| Net interest margin | 4.0023% | 1,626 |
| Noninterest income to average assets | 0.1767% | 5,338 |
| Noninterest expense to average assets | 2.3355% | 4,468 |
| Loan and lease loss provision to assets | 0.0822% | 2,713 |
| Net operating income to assets | 1.5780% | 714 |
| Return on assets (ROA) | 1.5780% | 745 |
| Pretax return on assets | 1.5999% | 1,277 |
| Return on Equity (ROE) | 15.9120% | 516 |
| Retained earnings to average equity (ytd only) | 5.9808% | 1,712 |
| Net charge-offs to loans | 0.1224% | 2,036 |
| Credit loss provision to net charge-offs | 86.9565% | 2,853 |
| Earnings coverage of net charge-offs (x) | 17.7971% | 2,016 |
| Efficiency ratio | 58.1316% | 4,834 |
| Assets per employee ($millions) | 3.5380% | 4,702 |
| Cash dividends to net income (ytd only)* | 62.4132% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 3,276 |
| Loan loss allowance to noncurrent loans | 674.2268% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,759 |
| Noncurrent loans to loans | 0.1743% | 4,540 |
| Net loans and leases to total assets | 77.7329% | 1,241 |
| Net loans and leases to deposits | 87.7801% | 1,953 |
| Net loans and leases to core deposits | 88.1331% | 2,657 |
| Total domestic deposits to total assets | 88.5541% | 1,351 |
| Equity capital to assets | 10.4227% | 3,245 |
| Core capital (leverage) ratio | 10.0744% | 3,398 |
| Tier 1 risk-based capital ratio | 16.5167% | 2,345 |
| Total risk-based capital ratio | 17.7676% | 2,283 |
| Memoranda: | ||
| Average total assets | $73,002,600 | 4,867 |
| Average earning assets | $70,060,200 | 4,808 |
| Average equity | $7,239,800 | 5,053 |
| Average total loans | $56,371,000 | 4,399 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 2,220 |
| Cost of funding earning assets | 0.2926% | 4,185 |
| Net interest margin | 3.9892% | 1,691 |
| Noninterest income to average assets | 0.1758% | 5,398 |
| Noninterest expense to average assets | 2.2076% | 4,752 |
| Loan and lease loss provision to assets | 0.0816% | 2,575 |
| Net operating income to assets | 1.6946% | 598 |
| Return on assets (ROA) | 1.6946% | 635 |
| Pretax return on assets | 1.7164% | 1,070 |
| Return on Equity (ROE) | 17.3000% | 420 |
| Retained earnings to average equity (ytd only) | 8.6778% | 919 |
| Net charge-offs to loans | 0.1037% | 1,910 |
| Credit loss provision to net charge-offs | 102.2727% | 2,309 |
| Earnings coverage of net charge-offs (x) | 22.5435% | 1,751 |
| Efficiency ratio | 55.1131% | 5,148 |
| Assets per employee ($millions) | 3.6341% | 4,590 |
| Cash dividends to net income (ytd only)* | 49.8396% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 3,357 |
| Loan loss allowance to noncurrent loans | 481.1594% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,673 |
| Noncurrent loans to loans | 0.2457% | 4,390 |
| Net loans and leases to total assets | 76.3738% | 1,462 |
| Net loans and leases to deposits | 86.1783% | 2,239 |
| Net loans and leases to core deposits | 86.1783% | 2,934 |
| Total domestic deposits to total assets | 88.6230% | 1,092 |
| Equity capital to assets | 10.1978% | 3,918 |
| Core capital (leverage) ratio | 10.0414% | 3,515 |
| Tier 1 risk-based capital ratio | 16.4448% | 2,439 |
| Total risk-based capital ratio | 17.6956% | 2,392 |
| Memoranda: | ||
| Average total assets | $73,563,500 | 4,895 |
| Average earning assets | $70,621,750 | 4,827 |
| Average equity | $7,206,000 | 5,107 |
| Average total loans | $56,549,500 | 4,426 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 2,333 |
| Cost of funding earning assets | 0.2873% | 4,271 |
| Net interest margin | 3.9632% | 1,762 |
| Noninterest income to average assets | 0.1706% | 5,466 |
| Noninterest expense to average assets | 2.1988% | 4,851 |
| Loan and lease loss provision to assets | 0.0812% | 2,513 |
| Net operating income to assets | 1.6816% | 596 |
| Return on assets (ROA) | 1.6816% | 635 |
| Pretax return on assets | 1.7006% | 1,090 |
| Return on Equity (ROE) | 17.4015% | 402 |
| Retained earnings to average equity (ytd only) | 7.4538% | 1,408 |
| Net charge-offs to loans | -0.0141% | 4,814 |
| Credit loss provision to net charge-offs | -750.0000% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2381% | 5,221 |
| Assets per employee ($millions) | 3.6431% | 4,525 |
| Cash dividends to net income (ytd only)* | 57.1659% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 3,148 |
| Loan loss allowance to noncurrent loans | 464.6667% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,666 |
| Noncurrent loans to loans | 0.2663% | 4,406 |
| Net loans and leases to total assets | 76.3426% | 1,436 |
| Net loans and leases to deposits | 85.8276% | 2,267 |
| Net loans and leases to core deposits | 85.8276% | 2,917 |
| Total domestic deposits to total assets | 88.9488% | 941 |
| Equity capital to assets | 9.8983% | 4,344 |
| Core capital (leverage) ratio | 9.7597% | 3,857 |
| Tier 1 risk-based capital ratio | 15.9998% | 2,643 |
| Total risk-based capital ratio | 17.2532% | 2,578 |
| Memoranda: | ||
| Average total assets | $73,857,330 | 4,936 |
| Average earning assets | $71,003,000 | 4,858 |
| Average equity | $7,137,330 | 5,168 |
| Average total loans | $56,674,670 | 4,448 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 2,373 |
| Cost of funding earning assets | 0.2921% | 4,259 |
| Net interest margin | 3.9377% | 1,820 |
| Noninterest income to average assets | 0.1345% | 5,671 |
| Noninterest expense to average assets | 2.1626% | 4,995 |
| Loan and lease loss provision to assets | 0.0807% | 2,339 |
| Net operating income to assets | 1.6461% | 642 |
| Return on assets (ROA) | 1.6461% | 683 |
| Pretax return on assets | 1.6623% | 1,149 |
| Return on Equity (ROE) | 17.2394% | 412 |
| Retained earnings to average equity (ytd only) | 17.2394% | 144 |
| Net charge-offs to loans | -0.0211% | 4,888 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3719% | 5,245 |
| Assets per employee ($millions) | 3.6660% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 3,532 |
| Loan loss allowance to noncurrent loans | 407.7844% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 4,645 |
| Noncurrent loans to loans | 0.2922% | 4,386 |
| Net loans and leases to total assets | 77.0336% | 1,243 |
| Net loans and leases to deposits | 86.5424% | 2,012 |
| Net loans and leases to core deposits | 86.5424% | 2,701 |
| Total domestic deposits to total assets | 89.0125% | 1,093 |
| Equity capital to assets | 9.8909% | 4,222 |
| Core capital (leverage) ratio | 9.8115% | 3,758 |
| Tier 1 risk-based capital ratio | 15.8684% | 2,754 |
| Total risk-based capital ratio | 17.1202% | 2,680 |
| Memoranda: | ||
| Average total assets | $74,355,500 | 4,968 |
| Average earning assets | $71,208,500 | 4,894 |
| Average equity | $7,100,000 | 5,214 |
| Average total loans | $56,851,500 | 4,477 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2427% | 2,411 |
| Cost of funding earning assets | 0.3124% | 4,105 |
| Net interest margin | 3.9303% | 1,931 |
| Noninterest income to average assets | 0.2158% | 5,300 |
| Noninterest expense to average assets | 2.3288% | 4,708 |
| Loan and lease loss provision to assets | 0.0820% | 2,656 |
| Net operating income to assets | 1.5448% | 789 |
| Return on assets (ROA) | 1.5448% | 815 |
| Pretax return on assets | 1.5680% | 1,349 |
| Return on Equity (ROE) | 16.6490% | 490 |
| Retained earnings to average equity (ytd only) | 6.0502% | 1,768 |
| Net charge-offs to loans | 0.0939% | 2,486 |
| Credit loss provision to net charge-offs | 117.6471% | 2,188 |
| Earnings coverage of net charge-offs (x) | 23.6863% | 1,718 |
| Efficiency ratio | 58.5307% | 5,086 |
| Assets per employee ($millions) | 3.7696% | 4,344 |
| Cash dividends to net income (ytd only)* | 63.6605% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 3,630 |
| Loan loss allowance to noncurrent loans | 401.8182% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 4,718 |
| Noncurrent loans to loans | 0.2918% | 4,414 |
| Net loans and leases to total assets | 74.1176% | 1,708 |
| Net loans and leases to deposits | 89.0231% | 1,743 |
| Net loans and leases to core deposits | 89.0231% | 2,499 |
| Total domestic deposits to total assets | 83.2566% | 3,751 |
| Equity capital to assets | 9.2160% | 4,884 |
| Core capital (leverage) ratio | 9.3817% | 4,353 |
| Tier 1 risk-based capital ratio | 15.1392% | 3,110 |
| Total risk-based capital ratio | 16.3905% | 3,042 |
| Memoranda: | ||
| Average total assets | $73,214,800 | 5,007 |
| Average earning assets | $70,096,200 | 4,939 |
| Average equity | $6,793,200 | 5,279 |
| Average total loans | $54,315,800 | 4,550 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,476 |
| Cost of funding earning assets | 0.3117% | 4,203 |
| Net interest margin | 3.9202% | 1,966 |
| Noninterest income to average assets | 0.2128% | 5,376 |
| Noninterest expense to average assets | 2.2677% | 4,867 |
| Loan and lease loss provision to assets | 0.0826% | 2,522 |
| Net operating income to assets | 1.5999% | 770 |
| Return on assets (ROA) | 1.5999% | 801 |
| Pretax return on assets | 1.6237% | 1,318 |
| Return on Equity (ROE) | 17.2128% | 455 |
| Retained earnings to average equity (ytd only) | 7.7773% | 1,341 |
| Net charge-offs to loans | 0.1265% | 1,865 |
| Credit loss provision to net charge-offs | 88.2353% | 2,491 |
| Earnings coverage of net charge-offs (x) | 18.2349% | 2,010 |
| Efficiency ratio | 57.0637% | 5,219 |
| Assets per employee ($millions) | 3.6935% | 4,459 |
| Cash dividends to net income (ytd only)* | 54.8166% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 3,859 |
| Loan loss allowance to noncurrent loans | 1,012.5000% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 5,400 |
| Noncurrent loans to loans | 0.1148% | 5,171 |
| Net loans and leases to total assets | 74.6081% | 1,624 |
| Net loans and leases to deposits | 85.9274% | 2,148 |
| Net loans and leases to core deposits | 89.5782% | 2,506 |
| Total domestic deposits to total assets | 86.8269% | 2,125 |
| Equity capital to assets | 9.3854% | 4,901 |
| Core capital (leverage) ratio | 9.3714% | 4,479 |
| Tier 1 risk-based capital ratio | 15.8603% | 2,863 |
| Total risk-based capital ratio | 17.1124% | 2,802 |
| Memoranda: | ||
| Average total assets | $72,670,750 | 5,084 |
| Average earning assets | $69,723,500 | 5,001 |
| Average equity | $6,754,500 | 5,354 |
| Average total loans | $53,759,500 | 4,610 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,540 |
| Cost of funding earning assets | 0.3120% | 4,258 |
| Net interest margin | 3.8882% | 2,026 |
| Noninterest income to average assets | 0.2020% | 5,470 |
| Noninterest expense to average assets | 2.2582% | 4,953 |
| Loan and lease loss provision to assets | 0.0830% | 2,456 |
| Net operating income to assets | 1.5636% | 808 |
| Return on assets (ROA) | 1.5636% | 836 |
| Pretax return on assets | 1.5857% | 1,373 |
| Return on Equity (ROE) | 16.8783% | 501 |
| Retained earnings to average equity (ytd only) | 5.9447% | 2,275 |
| Net charge-offs to loans | 0.1997% | 1,260 |
| Credit loss provision to net charge-offs | 56.6038% | 2,631 |
| Earnings coverage of net charge-offs (x) | 11.3774% | 2,296 |
| Efficiency ratio | 57.5053% | 5,279 |
| Assets per employee ($millions) | 3.6404% | 4,556 |
| Cash dividends to net income (ytd only)* | 64.7788% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,914 |
| Loan loss allowance to noncurrent loans | 1,001.5873% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 5,284 |
| Noncurrent loans to loans | 0.1177% | 5,291 |
| Net loans and leases to total assets | 72.6716% | 1,870 |
| Net loans and leases to deposits | 81.1864% | 2,643 |
| Net loans and leases to core deposits | 84.2422% | 2,960 |
| Total domestic deposits to total assets | 89.5120% | 897 |
| Equity capital to assets | 9.2574% | 4,945 |
| Core capital (leverage) ratio | 9.2126% | 4,673 |
| Tier 1 risk-based capital ratio | 15.8395% | 2,932 |
| Total risk-based capital ratio | 17.0909% | 2,895 |
| Memoranda: | ||
| Average total assets | $72,271,000 | 5,148 |
| Average earning assets | $69,236,000 | 5,055 |
| Average equity | $6,695,000 | 5,414 |
| Average total loans | $53,092,330 | 4,671 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 2,794 |
| Cost of funding earning assets | 0.3146% | 4,283 |
| Net interest margin | 3.7932% | 2,251 |
| Noninterest income to average assets | 0.1667% | 5,735 |
| Noninterest expense to average assets | 2.2555% | 4,985 |
| Loan and lease loss provision to assets | 0.0833% | 2,304 |
| Net operating income to assets | 1.4222% | 990 |
| Return on assets (ROA) | 1.4222% | 1,047 |
| Pretax return on assets | 1.4444% | 1,738 |
| Return on Equity (ROE) | 15.3466% | 659 |
| Retained earnings to average equity (ytd only) | 15.3466% | 256 |
| Net charge-offs to loans | -0.0151% | 4,917 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6182% | 5,141 |
| Assets per employee ($millions) | 3.6385% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 3,533 |
| Loan loss allowance to noncurrent loans | 416.7702% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 5,057 |
| Noncurrent loans to loans | 0.3065% | 4,690 |
| Net loans and leases to total assets | 71.2735% | 1,934 |
| Net loans and leases to deposits | 79.6722% | 2,597 |
| Net loans and leases to core deposits | 79.6722% | 3,206 |
| Total domestic deposits to total assets | 89.4584% | 1,014 |
| Equity capital to assets | 9.3433% | 4,914 |
| Core capital (leverage) ratio | 9.1612% | 4,777 |
| Tier 1 risk-based capital ratio | 16.1490% | 2,849 |
| Total risk-based capital ratio | 17.4019% | 2,787 |
| Memoranda: | ||
| Average total assets | $72,003,000 | 5,197 |
| Average earning assets | $68,649,500 | 5,127 |
| Average equity | $6,672,500 | 5,468 |
| Average total loans | $52,868,000 | 4,705 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 2,956 |
| Cost of funding earning assets | 0.3565% | 4,184 |
| Net interest margin | 3.8441% | 2,448 |
| Noninterest income to average assets | 0.2117% | 5,591 |
| Noninterest expense to average assets | 2.4547% | 4,689 |
| Loan and lease loss provision to assets | 0.0841% | 2,799 |
| Net operating income to assets | 1.3556% | 1,177 |
| Return on assets (ROA) | 1.3556% | 1,225 |
| Pretax return on assets | 1.3766% | 1,972 |
| Return on Equity (ROE) | 14.9867% | 782 |
| Retained earnings to average equity (ytd only) | 3.9520% | 3,400 |
| Net charge-offs to loans | -0.0077% | 5,519 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6924% | 4,797 |
| Assets per employee ($millions) | 3.5619% | 4,792 |
| Cash dividends to net income (ytd only)* | 73.6298% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 3,832 |
| Loan loss allowance to noncurrent loans | 427.4510% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 5,167 |
| Noncurrent loans to loans | 0.2876% | 4,818 |
| Net loans and leases to total assets | 73.7622% | 1,629 |
| Net loans and leases to deposits | 84.7817% | 2,124 |
| Net loans and leases to core deposits | 88.9344% | 2,389 |
| Total domestic deposits to total assets | 87.0025% | 2,286 |
| Equity capital to assets | 9.1890% | 5,088 |
| Core capital (leverage) ratio | 9.0316% | 4,948 |
| Tier 1 risk-based capital ratio | 15.5304% | 3,219 |
| Total risk-based capital ratio | 16.7854% | 3,146 |
| Memoranda: | ||
| Average total assets | $71,333,400 | 5,248 |
| Average earning assets | $68,728,600 | 5,154 |
| Average equity | $6,452,400 | 5,541 |
| Average total loans | $52,176,800 | 4,750 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,137 |
| Cost of funding earning assets | 0.3595% | 4,236 |
| Net interest margin | 3.7984% | 2,627 |
| Noninterest income to average assets | 0.2111% | 5,666 |
| Noninterest expense to average assets | 2.3618% | 4,939 |
| Loan and lease loss provision to assets | 0.0841% | 2,674 |
| Net operating income to assets | 1.4144% | 1,102 |
| Return on assets (ROA) | 1.4144% | 1,140 |
| Pretax return on assets | 1.4369% | 1,864 |
| Return on Equity (ROE) | 15.6993% | 718 |
| Retained earnings to average equity (ytd only) | 6.2839% | 2,231 |
| Net charge-offs to loans | -0.0051% | 5,300 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8277% | 5,071 |
| Assets per employee ($millions) | 3.5764% | 4,724 |
| Cash dividends to net income (ytd only)* | 59.9736% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 4,239 |
| Loan loss allowance to noncurrent loans | 393.2099% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 5,311 |
| Noncurrent loans to loans | 0.3046% | 4,997 |
| Net loans and leases to total assets | 73.4646% | 1,603 |
| Net loans and leases to deposits | 83.8190% | 2,181 |
| Net loans and leases to core deposits | 84.5092% | 2,828 |
| Total domestic deposits to total assets | 87.6466% | 1,956 |
| Equity capital to assets | 9.2231% | 5,126 |
| Core capital (leverage) ratio | 9.1108% | 4,917 |
| Tier 1 risk-based capital ratio | 15.5012% | 3,320 |
| Total risk-based capital ratio | 16.7539% | 3,258 |
| Memoranda: | ||
| Average total assets | $71,357,500 | 5,304 |
| Average earning assets | $68,973,750 | 5,207 |
| Average equity | $6,429,000 | 5,600 |
| Average total loans | $51,921,000 | 4,799 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,419 |
| Cost of funding earning assets | 0.3694% | 4,217 |
| Net interest margin | 3.7118% | 2,911 |
| Noninterest income to average assets | 0.2300% | 5,558 |
| Noninterest expense to average assets | 2.3786% | 4,943 |
| Loan and lease loss provision to assets | 0.0842% | 2,623 |
| Net operating income to assets | 1.3268% | 1,234 |
| Return on assets (ROA) | 1.3268% | 1,287 |
| Pretax return on assets | 1.3464% | 2,097 |
| Return on Equity (ROE) | 14.8439% | 814 |
| Retained earnings to average equity (ytd only) | 4.9584% | 2,984 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4448% | 4,952 |
| Assets per employee ($millions) | 3.6245% | 4,608 |
| Cash dividends to net income (ytd only)* | 66.5962% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,520 |
| Loan loss allowance to noncurrent loans | 375.7576% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 5,419 |
| Noncurrent loans to loans | 0.3138% | 5,072 |
| Net loans and leases to total assets | 71.6885% | 1,798 |
| Net loans and leases to deposits | 79.8191% | 2,538 |
| Net loans and leases to core deposits | 80.4505% | 3,161 |
| Total domestic deposits to total assets | 89.8138% | 898 |
| Equity capital to assets | 8.9047% | 5,402 |
| Core capital (leverage) ratio | 8.8290% | 5,250 |
| Tier 1 risk-based capital ratio | 15.3542% | 3,437 |
| Total risk-based capital ratio | 16.6063% | 3,388 |
| Memoranda: | ||
| Average total assets | $71,301,000 | 5,353 |
| Average earning assets | $68,754,330 | 5,253 |
| Average equity | $6,373,000 | 5,641 |
| Average total loans | $51,500,000 | 4,842 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,853 |
| Cost of funding earning assets | 0.3825% | 4,165 |
| Net interest margin | 3.5780% | 3,344 |
| Noninterest income to average assets | 0.2037% | 5,726 |
| Noninterest expense to average assets | 2.4835% | 4,675 |
| Loan and lease loss provision to assets | 0.0849% | 2,488 |
| Net operating income to assets | 1.0579% | 1,973 |
| Return on assets (ROA) | 1.0579% | 2,046 |
| Pretax return on assets | 1.0749% | 3,016 |
| Return on Equity (ROE) | 11.8130% | 1,461 |
| Retained earnings to average equity (ytd only) | 3.5376% | 4,012 |
| Net charge-offs to loans | 0.0078% | 3,479 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 234 |
| Efficiency ratio | 68.1677% | 4,154 |
| Assets per employee ($millions) | 3.6263% | 4,665 |
| Cash dividends to net income (ytd only)* | 70.0535% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,801 |
| Loan loss allowance to noncurrent loans | 427.6596% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 5,639 |
| Noncurrent loans to loans | 0.2725% | 5,289 |
| Net loans and leases to total assets | 70.5251% | 1,794 |
| Net loans and leases to deposits | 78.3641% | 2,499 |
| Net loans and leases to core deposits | 78.6714% | 3,126 |
| Total domestic deposits to total assets | 89.9967% | 1,076 |
| Equity capital to assets | 8.7651% | 5,372 |
| Core capital (leverage) ratio | 8.6426% | 5,469 |
| Tier 1 risk-based capital ratio | 15.5249% | 3,421 |
| Total risk-based capital ratio | 16.7772% | 3,389 |
| Memoranda: | ||
| Average total assets | $70,706,500 | 5,417 |
| Average earning assets | $67,970,500 | 5,318 |
| Average equity | $6,332,000 | 5,687 |
| Average total loans | $50,956,500 | 4,898 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1081% | 3,707 |
| Cost of funding earning assets | 0.4544% | 4,069 |
| Net interest margin | 3.6538% | 3,232 |
| Noninterest income to average assets | 0.2198% | 5,761 |
| Noninterest expense to average assets | 2.3377% | 5,263 |
| Loan and lease loss provision to assets | 0.2772% | 1,259 |
| Net operating income to assets | 1.0887% | 1,966 |
| Return on assets (ROA) | 1.0023% | 2,384 |
| Pretax return on assets | 1.0177% | 3,278 |
| Return on Equity (ROE) | 11.6196% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.4365% | 2,323 |
| Net charge-offs to loans | 0.5919% | 1,114 |
| Credit loss provision to net charge-offs | 64.7059% | 3,434 |
| Earnings coverage of net charge-offs (x) | 3.2288% | 3,920 |
| Efficiency ratio | 62.8292% | 5,084 |
| Assets per employee ($millions) | 3.1312% | 5,614 |
| Cash dividends to net income (ytd only)* | 53.2123% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 4,789 |
| Loan loss allowance to noncurrent loans | 332.7684% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 4,877 |
| Noncurrent loans to loans | 0.3529% | 5,129 |
| Net loans and leases to total assets | 71.9613% | 1,687 |
| Net loans and leases to deposits | 81.9900% | 2,183 |
| Net loans and leases to core deposits | 82.3359% | 2,858 |
| Total domestic deposits to total assets | 87.7684% | 2,325 |
| Equity capital to assets | 9.1556% | 4,860 |
| Core capital (leverage) ratio | 8.9422% | 5,090 |
| Tier 1 risk-based capital ratio | 15.1601% | 3,571 |
| Total risk-based capital ratio | 16.4133% | 3,516 |
| Memoranda: | ||
| Average total assets | $71,437,800 | 5,431 |
| Average earning assets | $68,449,400 | 5,336 |
| Average equity | $6,162,000 | 5,771 |
| Average total loans | $51,693,600 | 4,901 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 3,822 |
| Cost of funding earning assets | 0.4649% | 4,117 |
| Net interest margin | 3.6205% | 3,357 |
| Noninterest income to average assets | 0.2127% | 5,905 |
| Noninterest expense to average assets | 2.1958% | 5,616 |
| Loan and lease loss provision to assets | 0.3663% | 863 |
| Net operating income to assets | 1.1069% | 1,980 |
| Return on assets (ROA) | 0.9915% | 2,504 |
| Pretax return on assets | 1.0063% | 3,478 |
| Return on Equity (ROE) | 11.6663% | 1,591 |
| Retained earnings to average equity (ytd only) | 6.6820% | 2,048 |
| Net charge-offs to loans | 0.7092% | 843 |
| Credit loss provision to net charge-offs | 71.4801% | 3,042 |
| Earnings coverage of net charge-offs (x) | 2.9062% | 3,868 |
| Efficiency ratio | 59.5884% | 5,486 |
| Assets per employee ($millions) | 3.3760% | 5,117 |
| Cash dividends to net income (ytd only)* | 42.7244% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 4,874 |
| Loan loss allowance to noncurrent loans | 454.4118% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 5,091 |
| Noncurrent loans to loans | 0.2634% | 5,571 |
| Net loans and leases to total assets | 71.9472% | 1,603 |
| Net loans and leases to deposits | 80.1254% | 2,391 |
| Net loans and leases to core deposits | 80.4463% | 3,074 |
| Total domestic deposits to total assets | 89.7934% | 1,110 |
| Equity capital to assets | 8.8624% | 5,342 |
| Core capital (leverage) ratio | 8.6168% | 5,635 |
| Tier 1 risk-based capital ratio | 14.9621% | 3,771 |
| Total risk-based capital ratio | 16.2143% | 3,725 |
| Memoranda: | ||
| Average total assets | $72,075,500 | 5,468 |
| Average earning assets | $69,122,250 | 5,383 |
| Average equity | $6,125,750 | 5,860 |
| Average total loans | $52,076,750 | 4,925 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 3,883 |
| Cost of funding earning assets | 0.4846% | 4,040 |
| Net interest margin | 3.5737% | 3,474 |
| Noninterest income to average assets | 0.2070% | 5,964 |
| Noninterest expense to average assets | 2.0947% | 5,876 |
| Loan and lease loss provision to assets | 0.5050% | 536 |
| Net operating income to assets | 1.0139% | 2,272 |
| Return on assets (ROA) | 0.8417% | 3,245 |
| Pretax return on assets | 0.8528% | 4,108 |
| Return on Equity (ROE) | 10.0439% | 2,184 |
| Retained earnings to average equity (ytd only) | 4.2810% | 3,566 |
| Net charge-offs to loans | 1.0454% | 576 |
| Credit loss provision to net charge-offs | 67.0330% | 2,891 |
| Earnings coverage of net charge-offs (x) | 2.0330% | 3,840 |
| Efficiency ratio | 57.7626% | 5,770 |
| Assets per employee ($millions) | 3.6231% | 4,565 |
| Cash dividends to net income (ytd only)* | 57.3770% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,193 |
| Loan loss allowance to noncurrent loans | 164.9457% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 4,320 |
| Noncurrent loans to loans | 0.7035% | 4,530 |
| Net loans and leases to total assets | 71.3491% | 1,667 |
| Net loans and leases to deposits | 79.1031% | 2,446 |
| Net loans and leases to core deposits | 79.7547% | 3,053 |
| Total domestic deposits to total assets | 90.1976% | 912 |
| Equity capital to assets | 8.4348% | 5,831 |
| Core capital (leverage) ratio | 8.2712% | 5,922 |
| Tier 1 risk-based capital ratio | 14.4181% | 4,149 |
| Total risk-based capital ratio | 15.6696% | 4,110 |
| Memoranda: | ||
| Average total assets | $72,469,000 | 5,498 |
| Average earning assets | $69,339,330 | 5,411 |
| Average equity | $6,073,330 | 5,912 |
| Average total loans | $52,227,330 | 4,942 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 4,113 |
| Cost of funding earning assets | 0.5509% | 3,562 |
| Net interest margin | 3.4507% | 3,905 |
| Noninterest income to average assets | 0.2042% | 6,019 |
| Noninterest expense to average assets | 2.1581% | 5,785 |
| Loan and lease loss provision to assets | 0.0828% | 3,270 |
| Net operating income to assets | 1.2308% | 1,432 |
| Return on assets (ROA) | 1.2308% | 1,543 |
| Pretax return on assets | 1.2474% | 2,413 |
| Return on Equity (ROE) | 14.7341% | 815 |
| Retained earnings to average equity (ytd only) | 14.7341% | 372 |
| Net charge-offs to loans | 0.0077% | 4,001 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 164 |
| Efficiency ratio | 61.8671% | 5,321 |
| Assets per employee ($millions) | 3.7291% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3360% | 4,532 |
| Loan loss allowance to noncurrent loans | 115.7724% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 4,172 |
| Noncurrent loans to loans | 1.1540% | 3,850 |
| Net loans and leases to total assets | 70.5023% | 1,580 |
| Net loans and leases to deposits | 77.9790% | 2,339 |
| Net loans and leases to core deposits | 78.3041% | 3,017 |
| Total domestic deposits to total assets | 90.4119% | 811 |
| Equity capital to assets | 8.2647% | 6,208 |
| Core capital (leverage) ratio | 8.2446% | 5,887 |
| Tier 1 risk-based capital ratio | 14.4763% | 4,193 |
| Total risk-based capital ratio | 15.7322% | 4,153 |
| Memoranda: | ||
| Average total assets | $72,472,500 | 5,549 |
| Average earning assets | $68,972,000 | 5,463 |
| Average equity | $6,054,000 | 5,967 |
| Average total loans | $52,187,000 | 4,976 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 4,075 |
| Cost of funding earning assets | 0.8425% | 2,346 |
| Net interest margin | 3.4910% | 4,532 |
| Noninterest income to average assets | 0.2652% | 5,563 |
| Noninterest expense to average assets | 2.6603% | 4,540 |
| Loan and lease loss provision to assets | 0.1375% | 3,899 |
| Net operating income to assets | 0.7801% | 3,368 |
| Return on assets (ROA) | 0.7801% | 3,618 |
| Pretax return on assets | 0.7927% | 4,321 |
| Return on Equity (ROE) | 9.4625% | 2,423 |
| Retained earnings to average equity (ytd only) | 2.4848% | 4,481 |
| Net charge-offs to loans | 0.4888% | 2,275 |
| Credit loss provision to net charge-offs | 39.0438% | 4,949 |
| Earnings coverage of net charge-offs (x) | 2.6414% | 4,109 |
| Efficiency ratio | 74.0914% | 3,054 |
| Assets per employee ($millions) | 3.1983% | 5,621 |
| Cash dividends to net income (ytd only)* | 73.7410% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,331 |
| Loan loss allowance to noncurrent loans | 193.6111% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,043 |
| Noncurrent loans to loans | 0.7048% | 4,779 |
| Net loans and leases to total assets | 71.6044% | 1,551 |
| Net loans and leases to deposits | 79.9273% | 2,294 |
| Net loans and leases to core deposits | 83.4169% | 2,618 |
| Total domestic deposits to total assets | 89.5869% | 1,199 |
| Equity capital to assets | 8.4476% | 6,085 |
| Core capital (leverage) ratio | 8.3276% | 5,855 |
| Tier 1 risk-based capital ratio | 13.7455% | 4,567 |
| Total risk-based capital ratio | 14.9998% | 4,523 |
| Memoranda: | ||
| Average total assets | $71,271,200 | 5,597 |
| Average earning assets | $67,889,600 | 5,497 |
| Average equity | $5,875,800 | 6,055 |
| Average total loans | $51,345,600 | 5,053 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 4,361 |
| Cost of funding earning assets | 0.8769% | 2,340 |
| Net interest margin | 3.4448% | 4,860 |
| Noninterest income to average assets | 0.2611% | 5,699 |
| Noninterest expense to average assets | 2.4186% | 5,345 |
| Loan and lease loss provision to assets | 0.1566% | 3,562 |
| Net operating income to assets | 0.9529% | 2,734 |
| Return on assets (ROA) | 0.9529% | 2,954 |
| Pretax return on assets | 0.9678% | 3,830 |
| Return on Equity (ROE) | 11.6291% | 1,750 |
| Retained earnings to average equity (ytd only) | 3.7549% | 4,250 |
| Net charge-offs to loans | 0.6613% | 1,659 |
| Credit loss provision to net charge-offs | 32.9412% | 4,751 |
| Earnings coverage of net charge-offs (x) | 2.3647% | 4,093 |
| Efficiency ratio | 68.2632% | 4,006 |
| Assets per employee ($millions) | 3.4117% | 5,180 |
| Cash dividends to net income (ytd only)* | 67.7097% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 4,679 |
| Loan loss allowance to noncurrent loans | 123.0072% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 3,210 |
| Noncurrent loans to loans | 1.0807% | 4,277 |
| Net loans and leases to total assets | 70.3482% | 1,847 |
| Net loans and leases to deposits | 77.8719% | 2,678 |
| Net loans and leases to core deposits | 80.8317% | 3,102 |
| Total domestic deposits to total assets | 90.3385% | 658 |
| Equity capital to assets | 8.3230% | 6,404 |
| Core capital (leverage) ratio | 8.1885% | 6,159 |
| Tier 1 risk-based capital ratio | 13.7285% | 4,742 |
| Total risk-based capital ratio | 14.9816% | 4,690 |
| Memoranda: | ||
| Average total assets | $71,498,250 | 5,647 |
| Average earning assets | $68,120,500 | 5,549 |
| Average equity | $5,858,750 | 6,135 |
| Average total loans | $51,412,000 | 5,107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 4,662 |
| Cost of funding earning assets | 0.9032% | 2,372 |
| Net interest margin | 3.3731% | 5,197 |
| Noninterest income to average assets | 0.2519% | 5,777 |
| Noninterest expense to average assets | 2.3373% | 5,643 |
| Loan and lease loss provision to assets | 0.1903% | 3,194 |
| Net operating income to assets | 0.9405% | 2,710 |
| Return on assets (ROA) | 0.9405% | 2,972 |
| Pretax return on assets | 0.9545% | 3,873 |
| Return on Equity (ROE) | 11.5385% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.5673% | 3,564 |
| Net charge-offs to loans | 0.2484% | 3,089 |
| Credit loss provision to net charge-offs | 106.2500% | 2,562 |
| Earnings coverage of net charge-offs (x) | 6.3906% | 2,646 |
| Efficiency ratio | 67.1222% | 4,302 |
| Assets per employee ($millions) | 3.4804% | 5,025 |
| Cash dividends to net income (ytd only)* | 60.4167% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 3,681 |
| Loan loss allowance to noncurrent loans | 64.6970% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.8060% | 3,029 |
| Noncurrent loans to loans | 2.4383% | 2,466 |
| Net loans and leases to total assets | 72.9025% | 1,407 |
| Net loans and leases to deposits | 80.4745% | 2,314 |
| Net loans and leases to core deposits | 84.1554% | 2,670 |
| Total domestic deposits to total assets | 90.5908% | 620 |
| Equity capital to assets | 8.1039% | 6,514 |
| Core capital (leverage) ratio | 8.0032% | 6,272 |
| Tier 1 risk-based capital ratio | 12.7570% | 5,372 |
| Total risk-based capital ratio | 14.0145% | 5,338 |
| Memoranda: | ||
| Average total assets | $71,449,330 | 5,682 |
| Average earning assets | $68,423,670 | 5,575 |
| Average equity | $5,824,000 | 6,163 |
| Average total loans | $51,522,670 | 5,123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3258% | 4,633 |
| Cost of funding earning assets | 0.9520% | 2,293 |
| Net interest margin | 3.3737% | 5,224 |
| Noninterest income to average assets | 0.2265% | 6,001 |
| Noninterest expense to average assets | 2.2993% | 5,771 |
| Loan and lease loss provision to assets | 0.3058% | 2,061 |
| Net operating income to assets | 0.8212% | 3,291 |
| Return on assets (ROA) | 0.8212% | 3,527 |
| Pretax return on assets | 0.8325% | 4,288 |
| Return on Equity (ROE) | 10.0442% | 2,394 |
| Retained earnings to average equity (ytd only) | 2.2859% | 5,116 |
| Net charge-offs to loans | 0.5098% | 1,814 |
| Credit loss provision to net charge-offs | 84.3750% | 2,657 |
| Earnings coverage of net charge-offs (x) | 3.1406% | 2,948 |
| Efficiency ratio | 66.8863% | 4,381 |
| Assets per employee ($millions) | 3.5621% | 4,971 |
| Cash dividends to net income (ytd only)* | 77.2414% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 3,407 |
| Loan loss allowance to noncurrent loans | 63.2730% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.7726% | 3,208 |
| Noncurrent loans to loans | 2.6639% | 2,445 |
| Net loans and leases to total assets | 65.4216% | 2,574 |
| Net loans and leases to deposits | 71.8715% | 3,448 |
| Net loans and leases to core deposits | 74.7590% | 3,793 |
| Total domestic deposits to total assets | 91.0259% | 546 |
| Equity capital to assets | 7.7081% | 6,689 |
| Core capital (leverage) ratio | 7.8698% | 6,360 |
| Tier 1 risk-based capital ratio | 13.1055% | 5,128 |
| Total risk-based capital ratio | 14.3629% | 5,094 |
| Memoranda: | ||
| Average total assets | $70,630,000 | 5,747 |
| Average earning assets | $67,225,000 | 5,651 |
| Average equity | $5,774,500 | 6,207 |
| Average total loans | $50,215,500 | 5,221 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 3,242 |
| Cost of funding earning assets | 1.1263% | 2,492 |
| Net interest margin | 3.7976% | 3,827 |
| Noninterest income to average assets | 0.2853% | 5,494 |
| Noninterest expense to average assets | 2.4670% | 5,575 |
| Loan and lease loss provision to assets | 0.8092% | 1,209 |
| Net operating income to assets | 0.6350% | 3,809 |
| Return on assets (ROA) | 0.6350% | 4,006 |
| Pretax return on assets | 0.6453% | 4,532 |
| Return on Equity (ROE) | 7.6592% | 3,072 |
| Retained earnings to average equity (ytd only) | 2.5236% | 4,431 |
| Net charge-offs to loans | 0.4412% | 3,229 |
| Credit loss provision to net charge-offs | 240.4348% | 1,005 |
| Earnings coverage of net charge-offs (x) | 4.3217% | 3,165 |
| Efficiency ratio | 62.9104% | 5,316 |
| Assets per employee ($millions) | 3.0207% | 6,035 |
| Cash dividends to net income (ytd only)* | 67.0507% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 3,287 |
| Loan loss allowance to noncurrent loans | 173.1161% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 5,167 |
| Noncurrent loans to loans | 0.9693% | 4,770 |
| Net loans and leases to total assets | 74.9428% | 1,097 |
| Net loans and leases to deposits | 83.3861% | 2,013 |
| Net loans and leases to core deposits | 86.8437% | 2,521 |
| Total domestic deposits to total assets | 89.8745% | 1,059 |
| Equity capital to assets | 8.7020% | 5,895 |
| Core capital (leverage) ratio | 8.3962% | 5,719 |
| Tier 1 risk-based capital ratio | 13.2789% | 4,854 |
| Total risk-based capital ratio | 14.5372% | 4,830 |
| Memoranda: | ||
| Average total assets | $68,341,800 | 5,798 |
| Average earning assets | $65,436,000 | 5,685 |
| Average equity | $5,666,400 | 6,242 |
| Average total loans | $52,133,600 | 5,185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 3,538 |
| Cost of funding earning assets | 1.1439% | 2,670 |
| Net interest margin | 3.7592% | 4,070 |
| Noninterest income to average assets | 0.2848% | 5,568 |
| Noninterest expense to average assets | 2.4297% | 5,692 |
| Loan and lease loss provision to assets | 0.7615% | 1,244 |
| Net operating income to assets | 0.6878% | 3,681 |
| Return on assets (ROA) | 0.6878% | 3,849 |
| Pretax return on assets | 0.6975% | 4,485 |
| Return on Equity (ROE) | 8.3963% | 2,870 |
| Retained earnings to average equity (ytd only) | 3.7369% | 4,088 |
| Net charge-offs to loans | 0.5079% | 2,728 |
| Credit loss provision to net charge-offs | 196.5000% | 1,490 |
| Earnings coverage of net charge-offs (x) | 3.7650% | 3,305 |
| Efficiency ratio | 62.4813% | 5,334 |
| Assets per employee ($millions) | 3.2244% | 5,623 |
| Cash dividends to net income (ytd only)* | 55.4931% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,690 |
| Loan loss allowance to noncurrent loans | 103.1519% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 4,701 |
| Noncurrent loans to loans | 1.3267% | 4,316 |
| Net loans and leases to total assets | 76.6349% | 886 |
| Net loans and leases to deposits | 85.1621% | 1,809 |
| Net loans and leases to core deposits | 89.3933% | 2,321 |
| Total domestic deposits to total assets | 89.9870% | 872 |
| Equity capital to assets | 8.5229% | 6,275 |
| Core capital (leverage) ratio | 8.4629% | 5,760 |
| Tier 1 risk-based capital ratio | 12.8604% | 5,197 |
| Total risk-based capital ratio | 14.1140% | 5,172 |
| Memoranda: | ||
| Average total assets | $68,813,250 | 5,820 |
| Average earning assets | $65,969,750 | 5,714 |
| Average equity | $5,637,250 | 6,295 |
| Average total loans | $52,503,500 | 5,214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 3,582 |
| Cost of funding earning assets | 1.1645% | 2,813 |
| Net interest margin | 3.7439% | 4,062 |
| Noninterest income to average assets | 0.2689% | 5,720 |
| Noninterest expense to average assets | 2.4284% | 5,753 |
| Loan and lease loss provision to assets | 1.1217% | 720 |
| Net operating income to assets | 0.2978% | 5,379 |
| Return on assets (ROA) | 0.2978% | 5,518 |
| Pretax return on assets | 0.3064% | 5,658 |
| Return on Equity (ROE) | 3.6834% | 5,073 |
| Retained earnings to average equity (ytd only) | 1.4662% | 5,251 |
| Net charge-offs to loans | 0.8500% | 1,804 |
| Credit loss provision to net charge-offs | 173.9910% | 1,735 |
| Earnings coverage of net charge-offs (x) | 2.2152% | 3,727 |
| Efficiency ratio | 62.9685% | 5,409 |
| Assets per employee ($millions) | 3.2720% | 5,479 |
| Cash dividends to net income (ytd only)* | 60.1942% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,885 |
| Loan loss allowance to noncurrent loans | 105.8104% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9518% | 4,955 |
| Noncurrent loans to loans | 1.2631% | 4,553 |
| Net loans and leases to total assets | 74.3505% | 1,350 |
| Net loans and leases to deposits | 82.2829% | 2,409 |
| Net loans and leases to core deposits | 85.9110% | 2,920 |
| Total domestic deposits to total assets | 90.3596% | 782 |
| Equity capital to assets | 8.1952% | 6,521 |
| Core capital (leverage) ratio | 8.1127% | 6,144 |
| Tier 1 risk-based capital ratio | 12.7189% | 5,161 |
| Total risk-based capital ratio | 13.9730% | 5,130 |
| Memoranda: | ||
| Average total assets | $69,180,330 | 5,846 |
| Average earning assets | $66,294,330 | 5,744 |
| Average equity | $5,592,670 | 6,345 |
| Average total loans | $52,467,670 | 5,262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 3,191 |
| Cost of funding earning assets | 1.1971% | 2,837 |
| Net interest margin | 3.7838% | 3,682 |
| Noninterest income to average assets | 0.2132% | 6,208 |
| Noninterest expense to average assets | 2.3741% | 5,968 |
| Loan and lease loss provision to assets | 0.0864% | 4,925 |
| Net operating income to assets | 1.3599% | 1,135 |
| Return on assets (ROA) | 1.3599% | 1,185 |
| Pretax return on assets | 1.3772% | 1,788 |
| Return on Equity (ROE) | 16.9373% | 579 |
| Retained earnings to average equity (ytd only) | 16.9373% | 284 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8619% | 5,704 |
| Assets per employee ($millions) | 3.3455% | 5,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 6,218 |
| Loan loss allowance to noncurrent loans | 379.0210% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 6,650 |
| Noncurrent loans to loans | 0.2776% | 6,433 |
| Net loans and leases to total assets | 72.5514% | 1,601 |
| Net loans and leases to deposits | 80.2137% | 2,680 |
| Net loans and leases to core deposits | 83.3132% | 3,260 |
| Total domestic deposits to total assets | 90.4477% | 870 |
| Equity capital to assets | 8.1290% | 6,366 |
| Core capital (leverage) ratio | 8.1272% | 6,083 |
| Tier 1 risk-based capital ratio | 13.3144% | 4,561 |
| Total risk-based capital ratio | 14.5469% | 4,562 |
| Memoranda: | ||
| Average total assets | $69,415,000 | 5,879 |
| Average earning assets | $66,493,500 | 5,787 |
| Average equity | $5,573,500 | 6,374 |
| Average total loans | $52,812,000 | 5,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 3,529 |
| Cost of funding earning assets | 1.4816% | 2,751 |
| Net interest margin | 3.7345% | 4,211 |
| Noninterest income to average assets | 0.2756% | 5,813 |
| Noninterest expense to average assets | 2.4566% | 5,924 |
| Loan and lease loss provision to assets | 0.1996% | 5,239 |
| Net operating income to assets | 1.1709% | 1,484 |
| Return on assets (ROA) | 1.1709% | 1,558 |
| Pretax return on assets | 1.1903% | 2,254 |
| Return on Equity (ROE) | 14.4661% | 802 |
| Retained earnings to average equity (ytd only) | 5.1717% | 2,329 |
| Net charge-offs to loans | -0.0019% | 7,236 |
| Credit loss provision to net charge-offs | -13,400.0000% | 7,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8652% | 5,375 |
| Assets per employee ($millions) | 3.2655% | 5,500 |
| Cash dividends to net income (ytd only)* | 64.2494% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,476 |
| Loan loss allowance to noncurrent loans | 179.2517% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 6,204 |
| Noncurrent loans to loans | 0.5433% | 5,963 |
| Net loans and leases to total assets | 78.1393% | 925 |
| Net loans and leases to deposits | 87.6874% | 1,835 |
| Net loans and leases to core deposits | 96.2045% | 1,984 |
| Total domestic deposits to total assets | 89.1112% | 1,591 |
| Equity capital to assets | 7.9271% | 6,554 |
| Core capital (leverage) ratio | 8.1490% | 5,912 |
| Tier 1 risk-based capital ratio | 11.7680% | 5,676 |
| Total risk-based capital ratio | 12.8717% | 5,803 |
| Memoranda: | ||
| Average total assets | $67,125,000 | 5,958 |
| Average earning assets | $64,185,200 | 5,853 |
| Average equity | $5,433,400 | 6,528 |
| Average total loans | $51,772,400 | 5,412 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2017% | 3,820 |
| Cost of funding earning assets | 1.5250% | 2,806 |
| Net interest margin | 3.6767% | 4,517 |
| Noninterest income to average assets | 0.2736% | 5,920 |
| Noninterest expense to average assets | 2.4025% | 6,033 |
| Loan and lease loss provision to assets | 0.0899% | 6,144 |
| Net operating income to assets | 1.2781% | 1,388 |
| Return on assets (ROA) | 1.2781% | 1,472 |
| Pretax return on assets | 1.2961% | 2,184 |
| Return on Equity (ROE) | 15.7068% | 747 |
| Retained earnings to average equity (ytd only) | 8.3197% | 1,306 |
| Net charge-offs to loans | -0.0495% | 7,470 |
| Credit loss provision to net charge-offs | -236.8421% | 6,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4159% | 5,362 |
| Assets per employee ($millions) | 3.4457% | 5,103 |
| Cash dividends to net income (ytd only)* | 47.0310% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 6,800 |
| Loan loss allowance to noncurrent loans | 76.7677% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 5,372 |
| Noncurrent loans to loans | 1.1470% | 4,942 |
| Net loans and leases to total assets | 74.4852% | 1,693 |
| Net loans and leases to deposits | 82.6291% | 2,979 |
| Net loans and leases to core deposits | 90.5036% | 3,025 |
| Total domestic deposits to total assets | 90.1441% | 809 |
| Equity capital to assets | 8.3192% | 6,482 |
| Core capital (leverage) ratio | 8.3226% | 5,827 |
| Tier 1 risk-based capital ratio | 12.4690% | 5,014 |
| Total risk-based capital ratio | 13.4707% | 5,217 |
| Memoranda: | ||
| Average total assets | $66,762,500 | 6,034 |
| Average earning assets | $63,824,250 | 5,926 |
| Average equity | $5,432,750 | 6,608 |
| Average total loans | $51,187,750 | 5,522 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 3,845 |
| Cost of funding earning assets | 1.5618% | 2,895 |
| Net interest margin | 3.6591% | 4,543 |
| Noninterest income to average assets | 0.2907% | 5,820 |
| Noninterest expense to average assets | 2.4407% | 5,939 |
| Loan and lease loss provision to assets | 0.0908% | 6,015 |
| Net operating income to assets | 1.2385% | 1,455 |
| Return on assets (ROA) | 1.2385% | 1,518 |
| Pretax return on assets | 1.2567% | 2,235 |
| Return on Equity (ROE) | 15.3394% | 796 |
| Retained earnings to average equity (ytd only) | 7.0884% | 1,796 |
| Net charge-offs to loans | -0.0706% | 7,505 |
| Credit loss provision to net charge-offs | -166.6667% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4285% | 5,252 |
| Assets per employee ($millions) | 3.1903% | 5,707 |
| Cash dividends to net income (ytd only)* | 53.7897% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 6,851 |
| Loan loss allowance to noncurrent loans | 61.2813% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 4,989 |
| Noncurrent loans to loans | 1.4213% | 4,583 |
| Net loans and leases to total assets | 74.7466% | 1,754 |
| Net loans and leases to deposits | 82.9944% | 3,077 |
| Net loans and leases to core deposits | 89.9292% | 3,280 |
| Total domestic deposits to total assets | 90.0622% | 896 |
| Equity capital to assets | 8.3526% | 6,352 |
| Core capital (leverage) ratio | 8.1567% | 6,026 |
| Tier 1 risk-based capital ratio | 12.5173% | 4,844 |
| Total risk-based capital ratio | 13.5139% | 5,041 |
| Memoranda: | ||
| Average total assets | $66,045,670 | 6,103 |
| Average earning assets | $63,130,670 | 5,983 |
| Average equity | $5,332,670 | 6,675 |
| Average total loans | $50,988,330 | 5,566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 3,817 |
| Cost of funding earning assets | 1.6048% | 2,931 |
| Net interest margin | 3.6379% | 4,547 |
| Noninterest income to average assets | 0.3050% | 5,702 |
| Noninterest expense to average assets | 2.4767% | 5,818 |
| Loan and lease loss provision to assets | 0.0915% | 5,721 |
| Net operating income to assets | 1.1896% | 1,569 |
| Return on assets (ROA) | 1.1896% | 1,644 |
| Pretax return on assets | 1.2079% | 2,341 |
| Return on Equity (ROE) | 14.9971% | 876 |
| Retained earnings to average equity (ytd only) | 14.9971% | 411 |
| Net charge-offs to loans | -0.1249% | 7,563 |
| Credit loss provision to net charge-offs | -93.7500% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5897% | 5,208 |
| Assets per employee ($millions) | 3.3417% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8394% | 7,029 |
| Loan loss allowance to noncurrent loans | 67.8973% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 5,284 |
| Noncurrent loans to loans | 1.2363% | 4,904 |
| Net loans and leases to total assets | 74.7699% | 1,791 |
| Net loans and leases to deposits | 82.8583% | 3,129 |
| Net loans and leases to core deposits | 90.6503% | 3,276 |
| Total domestic deposits to total assets | 90.2384% | 867 |
| Equity capital to assets | 8.2908% | 6,315 |
| Core capital (leverage) ratio | 7.6309% | 6,700 |
| Tier 1 risk-based capital ratio | 12.4915% | 4,766 |
| Total risk-based capital ratio | 13.4465% | 4,972 |
| Memoranda: | ||
| Average total assets | $65,570,000 | 6,188 |
| Average earning assets | $62,563,500 | 6,060 |
| Average equity | $5,201,000 | 6,783 |
| Average total loans | $51,223,500 | 5,622 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 3,079 |
| Cost of funding earning assets | 1.8792% | 3,564 |
| Net interest margin | 3.8266% | 3,590 |
| Noninterest income to average assets | 0.2854% | 6,061 |
| Noninterest expense to average assets | 2.5347% | 6,012 |
| Loan and lease loss provision to assets | 0.0956% | 6,655 |
| Net operating income to assets | 1.3003% | 1,034 |
| Return on assets (ROA) | 1.2769% | 1,139 |
| Pretax return on assets | 1.3024% | 1,687 |
| Return on Equity (ROE) | 16.4200% | 511 |
| Retained earnings to average equity (ytd only) | 4.5509% | 2,072 |
| Net charge-offs to loans | 0.1357% | 5,849 |
| Credit loss provision to net charge-offs | 89.5522% | 6,013 |
| Earnings coverage of net charge-offs (x) | 13.3134% | 1,435 |
| Efficiency ratio | 64.0612% | 5,766 |
| Assets per employee ($millions) | 3.5726% | 4,840 |
| Cash dividends to net income (ytd only)* | 72.2846% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 7,256 |
| Loan loss allowance to noncurrent loans | 80.6584% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 5,597 |
| Noncurrent loans to loans | 0.9337% | 5,447 |
| Net loans and leases to total assets | 80.3350% | 933 |
| Net loans and leases to deposits | 89.7828% | 2,245 |
| Net loans and leases to core deposits | 118.4342% | 2,087 |
| Total domestic deposits to total assets | 89.4770% | 1,217 |
| Equity capital to assets | 7.5591% | 6,975 |
| Core capital (leverage) ratio | 7.6366% | 6,636 |
| Tier 1 risk-based capital ratio | 10.7920% | 6,120 |
| Total risk-based capital ratio | 11.6587% | 6,459 |
| Memoranda: | ||
| Average total assets | $62,729,800 | 6,246 |
| Average earning assets | $60,184,200 | 6,118 |
| Average equity | $4,878,200 | 6,992 |
| Average total loans | $49,370,800 | 5,705 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 3,168 |
| Cost of funding earning assets | 1.9167% | 3,788 |
| Net interest margin | 3.8179% | 3,581 |
| Noninterest income to average assets | 0.2823% | 6,218 |
| Noninterest expense to average assets | 2.4790% | 6,145 |
| Loan and lease loss provision to assets | 0.0963% | 6,403 |
| Net operating income to assets | 1.3576% | 1,108 |
| Return on assets (ROA) | 1.3261% | 1,230 |
| Pretax return on assets | 1.3475% | 1,829 |
| Return on Equity (ROE) | 16.9309% | 552 |
| Retained earnings to average equity (ytd only) | 6.9362% | 1,532 |
| Net charge-offs to loans | 0.0630% | 6,072 |
| Credit loss provision to net charge-offs | 195.6522% | 2,302 |
| Earnings coverage of net charge-offs (x) | 29.9961% | 935 |
| Efficiency ratio | 62.6825% | 5,984 |
| Assets per employee ($millions) | 3.1236% | 5,847 |
| Cash dividends to net income (ytd only)* | 59.0322% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 7,020 |
| Loan loss allowance to noncurrent loans | 58.6351% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 4,780 |
| Noncurrent loans to loans | 1.4181% | 4,544 |
| Net loans and leases to total assets | 80.3704% | 1,113 |
| Net loans and leases to deposits | 88.8419% | 2,815 |
| Net loans and leases to core deposits | 116.1090% | 2,609 |
| Total domestic deposits to total assets | 90.4645% | 603 |
| Equity capital to assets | 7.9780% | 6,866 |
| Core capital (leverage) ratio | 7.7661% | 6,648 |
| Tier 1 risk-based capital ratio | 11.2262% | 5,717 |
| Total risk-based capital ratio | 12.1885% | 5,967 |
| Memoranda: | ||
| Average total assets | $62,335,500 | 6,304 |
| Average earning assets | $59,961,500 | 6,172 |
| Average equity | $4,882,500 | 7,050 |
| Average total loans | $48,700,250 | 5,768 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 3,186 |
| Cost of funding earning assets | 1.9484% | 4,013 |
| Net interest margin | 3.8234% | 3,444 |
| Noninterest income to average assets | 0.2761% | 6,288 |
| Noninterest expense to average assets | 2.4980% | 6,134 |
| Loan and lease loss provision to assets | 0.0963% | 6,205 |
| Net operating income to assets | 1.3481% | 1,125 |
| Return on assets (ROA) | 1.3100% | 1,286 |
| Pretax return on assets | 1.3228% | 1,956 |
| Return on Equity (ROE) | 16.8294% | 599 |
| Retained earnings to average equity (ytd only) | 3.7949% | 3,182 |
| Net charge-offs to loans | 0.0916% | 5,268 |
| Credit loss provision to net charge-offs | 136.3636% | 3,422 |
| Earnings coverage of net charge-offs (x) | 20.6364% | 1,307 |
| Efficiency ratio | 63.1494% | 6,065 |
| Assets per employee ($millions) | 3.1481% | 5,719 |
| Cash dividends to net income (ytd only)* | 77.4510% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 7,046 |
| Loan loss allowance to noncurrent loans | 152.4345% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 6,402 |
| Noncurrent loans to loans | 0.5458% | 6,177 |
| Net loans and leases to total assets | 77.0540% | 1,939 |
| Net loans and leases to deposits | 84.3839% | 3,812 |
| Net loans and leases to core deposits | 110.3996% | 3,338 |
| Total domestic deposits to total assets | 91.3137% | 368 |
| Equity capital to assets | 7.6317% | 7,154 |
| Core capital (leverage) ratio | 7.5249% | 6,982 |
| Tier 1 risk-based capital ratio | 11.2317% | 5,662 |
| Total risk-based capital ratio | 12.1941% | 5,876 |
| Memoranda: | ||
| Average total assets | $62,290,000 | 6,360 |
| Average earning assets | $59,946,330 | 6,227 |
| Average equity | $4,848,670 | 7,125 |
| Average total loans | $48,057,000 | 5,845 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8533% | 3,026 |
| Cost of funding earning assets | 1.9757% | 4,257 |
| Net interest margin | 3.8776% | 3,146 |
| Noninterest income to average assets | 0.2583% | 6,382 |
| Noninterest expense to average assets | 2.3437% | 6,393 |
| Loan and lease loss provision to assets | 0.0968% | 5,722 |
| Net operating income to assets | 1.5431% | 864 |
| Return on assets (ROA) | 1.5431% | 940 |
| Pretax return on assets | 1.5560% | 1,521 |
| Return on Equity (ROE) | 19.6284% | 447 |
| Retained earnings to average equity (ytd only) | 19.6284% | 172 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6430% | 6,601 |
| Assets per employee ($millions) | 3.3418% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,848 |
| Loan loss allowance to noncurrent loans | 112.5000% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 5,733 |
| Noncurrent loans to loans | 0.7782% | 5,489 |
| Net loans and leases to total assets | 73.8243% | 2,799 |
| Net loans and leases to deposits | 80.9261% | 4,464 |
| Net loans and leases to core deposits | 105.3183% | 3,989 |
| Total domestic deposits to total assets | 91.2244% | 343 |
| Equity capital to assets | 7.8637% | 6,992 |
| Core capital (leverage) ratio | 7.9018% | 6,613 |
| Tier 1 risk-based capital ratio | 11.8969% | 5,048 |
| Total risk-based capital ratio | 12.9027% | 5,168 |
| Memoranda: | ||
| Average total assets | $61,954,500 | 6,400 |
| Average earning assets | $59,727,000 | 6,272 |
| Average equity | $4,870,500 | 7,162 |
| Average total loans | $47,625,000 | 5,886 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5352% | 2,784 |
| Cost of funding earning assets | 2.5110% | 4,149 |
| Net interest margin | 4.0242% | 3,004 |
| Noninterest income to average assets | 0.2934% | 6,361 |
| Noninterest expense to average assets | 2.5998% | 5,653 |
| Loan and lease loss provision to assets | 0.1405% | 5,555 |
| Net operating income to assets | 1.4000% | 1,230 |
| Return on assets (ROA) | 1.4492% | 1,081 |
| Pretax return on assets | 1.4562% | 1,802 |
| Return on Equity (ROE) | 17.2927% | 599 |
| Retained earnings to average equity (ytd only) | 1.7188% | 4,184 |
| Net charge-offs to loans | 0.0859% | 5,523 |
| Credit loss provision to net charge-offs | 216.2162% | 2,227 |
| Earnings coverage of net charge-offs (x) | 23.8108% | 1,401 |
| Efficiency ratio | 62.6853% | 5,830 |
| Assets per employee ($millions) | 2.8769% | 6,379 |
| Cash dividends to net income (ytd only)* | 90.0606% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 6,970 |
| Loan loss allowance to noncurrent loans | 146.6912% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 5,511 |
| Noncurrent loans to loans | 0.5671% | 5,668 |
| Net loans and leases to total assets | 78.7271% | 1,953 |
| Net loans and leases to deposits | 88.8314% | 3,659 |
| Net loans and leases to core deposits | 110.1709% | 3,764 |
| Total domestic deposits to total assets | 88.6253% | 1,193 |
| Equity capital to assets | 7.8590% | 7,031 |
| Core capital (leverage) ratio | 7.8563% | 6,718 |
| Tier 1 risk-based capital ratio | 11.3552% | 5,380 |
| Total risk-based capital ratio | 12.3278% | 5,544 |
| Memoranda: | ||
| Average total assets | $56,928,200 | 6,495 |
| Average earning assets | $54,520,200 | 6,385 |
| Average equity | $4,770,800 | 7,219 |
| Average total loans | $43,085,800 | 6,019 |