Home > VisionBank > Performance and Condition Ratios
VisionBank, 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 | 6.8483% | 397 |
| Cost of funding earning assets | 3.0268% | 305 |
| Net interest margin | 3.8215% | 1,639 |
| Noninterest income to average assets | 0.0400% | 4,325 |
| Noninterest expense to average assets | 1.1760% | 4,349 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 2.5445% | 205 |
| Return on assets (ROA) | 2.5445% | 204 |
| Pretax return on assets | 2.5445% | 295 |
| Return on Equity (ROE) | 27.7600% | 146 |
| Retained earnings to average equity (ytd only) | 16.4462% | 313 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 31.1862% | 4,397 |
| Assets per employee ($millions) | 22.5826% | 75 |
| Cash dividends to net income (ytd only)* | 40.7451% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 3,803 |
| Loan loss allowance to noncurrent loans | 18.1078% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 4.0330% | 41 |
| Noncurrent loans to loans | 4.5511% | 89 |
| Net loans and leases to total assets | 87.8900% | 72 |
| Net loans and leases to deposits | 118.5268% | 76 |
| Net loans and leases to core deposits | 198.9799% | 45 |
| Total domestic deposits to total assets | 74.1500% | 4,062 |
| Equity capital to assets | 9.3247% | 2,701 |
| Core capital (leverage) ratio | 9.4225% | 3,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6962% | 2,307 |
| Memoranda: | ||
| Average total assets | $270,077,500 | 2,622 |
| Average earning assets | $263,774,000 | 2,558 |
| Average equity | $24,759,500 | 2,705 |
| Average total loans | $239,145,000 | 2,175 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7590% | 519 |
| Cost of funding earning assets | 3.1254% | 389 |
| Net interest margin | 3.6336% | 1,820 |
| Noninterest income to average assets | 0.0400% | 4,385 |
| Noninterest expense to average assets | 1.2961% | 4,350 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 1.9453% | 433 |
| Return on assets (ROA) | 1.9453% | 438 |
| Pretax return on assets | 2.1662% | 453 |
| Return on Equity (ROE) | 21.5300% | 312 |
| Retained earnings to average equity (ytd only) | 7.8439% | 1,162 |
| Net charge-offs to loans | 0.0022% | 2,939 |
| Credit loss provision to net charge-offs | 6,320.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 1,180.4000% | 111 |
| Efficiency ratio | 36.0979% | 4,372 |
| Assets per employee ($millions) | 22.4303% | 77 |
| Cash dividends to net income (ytd only)* | 63.5691% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 3,839 |
| Loan loss allowance to noncurrent loans | 15.2718% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 4.9156% | 24 |
| Noncurrent loans to loans | 5.3232% | 54 |
| Net loans and leases to total assets | 87.7600% | 87 |
| Net loans and leases to deposits | 120.5397% | 71 |
| Net loans and leases to core deposits | 203.3821% | 40 |
| Total domestic deposits to total assets | 72.8000% | 4,123 |
| Equity capital to assets | 9.0094% | 2,798 |
| Core capital (leverage) ratio | 9.1126% | 3,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5697% | 2,369 |
| Memoranda: | ||
| Average total assets | $257,229,600 | 2,667 |
| Average earning assets | $251,649,800 | 2,583 |
| Average equity | $23,241,000 | 2,749 |
| Average total loans | $225,955,600 | 2,201 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8336% | 467 |
| Cost of funding earning assets | 3.1288% | 405 |
| Net interest margin | 3.7047% | 1,634 |
| Noninterest income to average assets | 0.0300% | 4,423 |
| Noninterest expense to average assets | 1.1474% | 4,409 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 2.1538% | 340 |
| Return on assets (ROA) | 2.1538% | 348 |
| Pretax return on assets | 2.3887% | 373 |
| Return on Equity (ROE) | 23.8200% | 234 |
| Retained earnings to average equity (ytd only) | 9.0709% | 1,098 |
| Net charge-offs to loans | 0.0030% | 2,638 |
| Credit loss provision to net charge-offs | 4,100.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 959.4000% | 125 |
| Efficiency ratio | 31.3243% | 4,445 |
| Assets per employee ($millions) | 21.9259% | 84 |
| Cash dividends to net income (ytd only)* | 61.9187% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 3,918 |
| Loan loss allowance to noncurrent loans | 32.1359% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 2.5788% | 113 |
| Noncurrent loans to loans | 2.4750% | 284 |
| Net loans and leases to total assets | 86.5100% | 135 |
| Net loans and leases to deposits | 116.5213% | 96 |
| Net loans and leases to core deposits | 206.0979% | 41 |
| Total domestic deposits to total assets | 74.2500% | 4,047 |
| Equity capital to assets | 9.0422% | 3,003 |
| Core capital (leverage) ratio | 8.9325% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9336% | 2,265 |
| Memoranda: | ||
| Average total assets | $254,246,000 | 2,671 |
| Average earning assets | $249,117,000 | 2,594 |
| Average equity | $22,988,750 | 2,756 |
| Average total loans | $222,907,500 | 2,207 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7559% | 478 |
| Cost of funding earning assets | 3.0075% | 471 |
| Net interest margin | 3.7484% | 1,513 |
| Noninterest income to average assets | 0.0300% | 4,441 |
| Noninterest expense to average assets | 1.1166% | 4,437 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.3359% | 282 |
| Return on assets (ROA) | 2.3359% | 283 |
| Pretax return on assets | 2.4696% | 336 |
| Return on Equity (ROE) | 25.8300% | 200 |
| Retained earnings to average equity (ytd only) | 14.6030% | 311 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 30.1202% | 4,468 |
| Assets per employee ($millions) | 24.1150% | 68 |
| Cash dividends to net income (ytd only)* | 43.4753% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 3,986 |
| Loan loss allowance to noncurrent loans | 61.0822% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.0868% | 530 |
| Noncurrent loans to loans | 1.2715% | 712 |
| Net loans and leases to total assets | 84.8200% | 229 |
| Net loans and leases to deposits | 118.5634% | 101 |
| Net loans and leases to core deposits | 215.1082% | 32 |
| Total domestic deposits to total assets | 71.5400% | 4,190 |
| Equity capital to assets | 9.0046% | 2,729 |
| Core capital (leverage) ratio | 9.2221% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2302% | 2,157 |
| Memoranda: | ||
| Average total assets | $251,291,000 | 2,686 |
| Average earning assets | $246,452,000 | 2,607 |
| Average equity | $22,721,333 | 2,739 |
| Average total loans | $220,725,333 | 2,214 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9846% | 338 |
| Cost of funding earning assets | 2.9431% | 470 |
| Net interest margin | 4.0415% | 1,034 |
| Noninterest income to average assets | 0.0300% | 4,444 |
| Noninterest expense to average assets | 1.0855% | 4,474 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 2.7801% | 197 |
| Return on assets (ROA) | 2.7801% | 196 |
| Pretax return on assets | 2.7801% | 269 |
| Return on Equity (ROE) | 30.6800% | 131 |
| Retained earnings to average equity (ytd only) | 18.4471% | 251 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 27.2056% | 4,486 |
| Assets per employee ($millions) | 22.5724% | 76 |
| Cash dividends to net income (ytd only)* | 39.8704% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 4,018 |
| Loan loss allowance to noncurrent loans | 51.4024% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 366 |
| Noncurrent loans to loans | 1.4886% | 541 |
| Net loans and leases to total assets | 88.0600% | 77 |
| Net loans and leases to deposits | 126.1133% | 48 |
| Net loans and leases to core deposits | 226.2188% | 67 |
| Total domestic deposits to total assets | 69.8300% | 4,290 |
| Equity capital to assets | 9.1222% | 2,595 |
| Core capital (leverage) ratio | 9.3268% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0243% | 2,230 |
| Memoranda: | ||
| Average total assets | $244,304,000 | 2,736 |
| Average earning assets | $239,612,000 | 2,657 |
| Average equity | $22,139,000 | 2,787 |
| Average total loans | $217,714,500 | 2,235 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4314% | 376 |
| Cost of funding earning assets | 2.2303% | 605 |
| Net interest margin | 4.2011% | 931 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.3051% | 4,434 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 2.4982% | 239 |
| Return on assets (ROA) | 2.4982% | 234 |
| Pretax return on assets | 2.7696% | 260 |
| Return on Equity (ROE) | 27.0600% | 249 |
| Retained earnings to average equity (ytd only) | 10.2665% | 949 |
| Net charge-offs to loans | -0.0015% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 31.2858% | 4,488 |
| Assets per employee ($millions) | 24.0312% | 74 |
| Cash dividends to net income (ytd only)* | 62.0588% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,046 |
| Loan loss allowance to noncurrent loans | 303.1716% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 2,107 |
| Noncurrent loans to loans | 0.2492% | 2,308 |
| Net loans and leases to total assets | 88.8300% | 62 |
| Net loans and leases to deposits | 118.8698% | 90 |
| Net loans and leases to core deposits | 423.9687% | 45 |
| Total domestic deposits to total assets | 74.7300% | 4,049 |
| Equity capital to assets | 9.0000% | 2,676 |
| Core capital (leverage) ratio | 9.4191% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6281% | 2,372 |
| Memoranda: | ||
| Average total assets | $217,753,800 | 2,858 |
| Average earning assets | $213,561,000 | 2,781 |
| Average equity | $20,104,200 | 2,846 |
| Average total loans | $194,069,600 | 2,331 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2548% | 388 |
| Cost of funding earning assets | 2.1982% | 501 |
| Net interest margin | 4.0566% | 1,135 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 1.2213% | 4,476 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.4942% | 268 |
| Return on assets (ROA) | 2.4942% | 264 |
| Pretax return on assets | 2.7714% | 289 |
| Return on Equity (ROE) | 26.8200% | 315 |
| Retained earnings to average equity (ytd only) | 13.6823% | 716 |
| Net charge-offs to loans | 0.0007% | 2,628 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | 4,478.0000% | 15 |
| Efficiency ratio | 30.2601% | 4,514 |
| Assets per employee ($millions) | 22.1544% | 79 |
| Cash dividends to net income (ytd only)* | 48.9919% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 4,078 |
| Loan loss allowance to noncurrent loans | 57.9550% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 407 |
| Noncurrent loans to loans | 1.2861% | 592 |
| Net loans and leases to total assets | 88.2400% | 70 |
| Net loans and leases to deposits | 120.0714% | 76 |
| Net loans and leases to core deposits | 180.1541% | 57 |
| Total domestic deposits to total assets | 73.4900% | 4,189 |
| Equity capital to assets | 9.3562% | 2,195 |
| Core capital (leverage) ratio | 9.5150% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3566% | 2,134 |
| Memoranda: | ||
| Average total assets | $212,114,250 | 2,903 |
| Average earning assets | $207,920,000 | 2,827 |
| Average equity | $19,723,250 | 2,871 |
| Average total loans | $188,814,750 | 2,373 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0611% | 413 |
| Cost of funding earning assets | 2.0093% | 485 |
| Net interest margin | 4.0518% | 1,150 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 1.2547% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4989% | 248 |
| Return on assets (ROA) | 2.4989% | 243 |
| Pretax return on assets | 2.7784% | 255 |
| Return on Equity (ROE) | 26.9300% | 295 |
| Retained earnings to average equity (ytd only) | 14.4520% | 629 |
| Net charge-offs to loans | 0.0011% | 2,377 |
| Credit loss provision to net charge-offs | -6,500.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | 2,905.0000% | 39 |
| Efficiency ratio | 31.0958% | 4,534 |
| Assets per employee ($millions) | 21.5978% | 81 |
| Cash dividends to net income (ytd only)* | 46.3424% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 4,118 |
| Loan loss allowance to noncurrent loans | 65.2695% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 458 |
| Noncurrent loans to loans | 1.1368% | 621 |
| Net loans and leases to total assets | 87.7700% | 87 |
| Net loans and leases to deposits | 117.7554% | 108 |
| Net loans and leases to core deposits | 180.0648% | 60 |
| Total domestic deposits to total assets | 74.5400% | 4,154 |
| Equity capital to assets | 9.3088% | 2,306 |
| Core capital (leverage) ratio | 9.4202% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4062% | 2,131 |
| Memoranda: | ||
| Average total assets | $208,971,000 | 2,939 |
| Average earning assets | $204,749,667 | 2,858 |
| Average equity | $19,388,333 | 2,914 |
| Average total loans | $186,101,333 | 2,381 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 379 |
| Cost of funding earning assets | 1.6282% | 664 |
| Net interest margin | 4.2377% | 892 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 1.2420% | 4,564 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 2.8579% | 170 |
| Return on assets (ROA) | 2.8579% | 168 |
| Pretax return on assets | 2.8579% | 233 |
| Return on Equity (ROE) | 30.8600% | 215 |
| Retained earnings to average equity (ytd only) | 24.5507% | 192 |
| Net charge-offs to loans | 0.0022% | 1,954 |
| Credit loss provision to net charge-offs | -500.0000% | 4,625 |
| Earnings coverage of net charge-offs (x) | 1,525.0000% | 56 |
| Efficiency ratio | 29.4961% | 4,608 |
| Assets per employee ($millions) | 18.9867% | 108 |
| Cash dividends to net income (ytd only)* | 20.4360% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 4,096 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 88.1000% | 69 |
| Net loans and leases to deposits | 119.4084% | 87 |
| Net loans and leases to core deposits | 169.5321% | 68 |
| Total domestic deposits to total assets | 73.7800% | 4,292 |
| Equity capital to assets | 9.5153% | 2,130 |
| Core capital (leverage) ratio | 9.6386% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2143% | 2,295 |
| Memoranda: | ||
| Average total assets | $205,467,500 | 2,999 |
| Average earning assets | $200,960,000 | 2,923 |
| Average equity | $19,030,000 | 2,973 |
| Average total loans | $183,661,000 | 2,429 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2964% | 194 |
| Cost of funding earning assets | 0.9573% | 200 |
| Net interest margin | 4.3391% | 389 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.4307% | 4,488 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 2.4711% | 150 |
| Return on assets (ROA) | 2.4711% | 145 |
| Pretax return on assets | 2.7441% | 156 |
| Return on Equity (ROE) | 28.0900% | 145 |
| Retained earnings to average equity (ytd only) | 11.3846% | 812 |
| Net charge-offs to loans | 0.0023% | 2,441 |
| Credit loss provision to net charge-offs | 6,725.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 1,389.2500% | 129 |
| Efficiency ratio | 33.1609% | 4,632 |
| Assets per employee ($millions) | 18.3710% | 116 |
| Cash dividends to net income (ytd only)* | 59.4708% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 2,893 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 89.0000% | 50 |
| Net loans and leases to deposits | 112.9971% | 123 |
| Net loans and leases to core deposits | 137.2192% | 159 |
| Total domestic deposits to total assets | 78.7600% | 4,020 |
| Equity capital to assets | 8.9999% | 2,358 |
| Core capital (leverage) ratio | 9.1913% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9847% | 2,387 |
| Memoranda: | ||
| Average total assets | $192,706,200 | 3,081 |
| Average earning assets | $189,393,800 | 3,004 |
| Average equity | $16,952,800 | 3,206 |
| Average total loans | $174,212,200 | 2,418 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 173 |
| Cost of funding earning assets | 0.8793% | 114 |
| Net interest margin | 4.2606% | 363 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.3910% | 4,518 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 2.5340% | 151 |
| Return on assets (ROA) | 2.5340% | 148 |
| Pretax return on assets | 2.6972% | 173 |
| Return on Equity (ROE) | 28.9800% | 114 |
| Retained earnings to average equity (ytd only) | 17.1586% | 200 |
| Net charge-offs to loans | 0.0031% | 2,119 |
| Credit loss provision to net charge-offs | 5,300.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 1,015.7500% | 150 |
| Efficiency ratio | 32.8319% | 4,674 |
| Assets per employee ($millions) | 18.0369% | 122 |
| Cash dividends to net income (ytd only)* | 40.7960% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,016 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 88.0300% | 62 |
| Net loans and leases to deposits | 104.9132% | 217 |
| Net loans and leases to core deposits | 128.8725% | 160 |
| Total domestic deposits to total assets | 83.9000% | 3,524 |
| Equity capital to assets | 9.0038% | 2,213 |
| Core capital (leverage) ratio | 9.2212% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9235% | 2,503 |
| Memoranda: | ||
| Average total assets | $190,362,500 | 3,123 |
| Average earning assets | $187,105,750 | 3,040 |
| Average equity | $16,644,250 | 3,264 |
| Average total loans | $172,304,000 | 2,437 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 195 |
| Cost of funding earning assets | 0.7756% | 108 |
| Net interest margin | 4.1193% | 382 |
| Noninterest income to average assets | 0.0352% | 4,674 |
| Noninterest expense to average assets | 1.4066% | 4,522 |
| Loan and lease loss provision to assets | 0.1183% | 848 |
| Net operating income to assets | 2.3135% | 135 |
| Return on assets (ROA) | 2.3135% | 134 |
| Pretax return on assets | 2.5629% | 154 |
| Return on Equity (ROE) | 26.7403% | 89 |
| Retained earnings to average equity (ytd only) | 12.2555% | 570 |
| Net charge-offs to loans | 0.0094% | 1,636 |
| Credit loss provision to net charge-offs | 1,387.5000% | 326 |
| Earnings coverage of net charge-offs (x) | 314.5000% | 390 |
| Efficiency ratio | 34.4108% | 4,690 |
| Assets per employee ($millions) | 17.0569% | 140 |
| Cash dividends to net income (ytd only)* | 54.1686% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 90.3340% | 18 |
| Net loans and leases to deposits | 104.4249% | 159 |
| Net loans and leases to core deposits | 127.3461% | 137 |
| Total domestic deposits to total assets | 86.5061% | 3,111 |
| Equity capital to assets | 8.7925% | 2,539 |
| Core capital (leverage) ratio | 9.1281% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0688% | 2,466 |
| Memoranda: | ||
| Average total assets | $187,681,333 | 3,176 |
| Average earning assets | $184,642,667 | 3,104 |
| Average equity | $16,237,667 | 3,386 |
| Average total loans | $170,875,000 | 2,457 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 219 |
| Cost of funding earning assets | 0.7312% | 129 |
| Net interest margin | 4.0002% | 418 |
| Noninterest income to average assets | 0.0298% | 4,707 |
| Noninterest expense to average assets | 1.3894% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.5806% | 113 |
| Return on assets (ROA) | 2.5806% | 111 |
| Pretax return on assets | 2.5806% | 160 |
| Return on Equity (ROE) | 30.0720% | 61 |
| Retained earnings to average equity (ytd only) | 30.0720% | 38 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9973% | 4,709 |
| Assets per employee ($millions) | 16.5736% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 3,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 90.8409% | 10 |
| Net loans and leases to deposits | 102.9925% | 129 |
| Net loans and leases to core deposits | 119.2706% | 151 |
| Total domestic deposits to total assets | 88.2014% | 2,428 |
| Equity capital to assets | 9.1679% | 2,558 |
| Core capital (leverage) ratio | 8.9008% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6309% | 2,373 |
| Memoranda: | ||
| Average total assets | $187,709,000 | 3,187 |
| Average earning assets | $184,891,000 | 3,110 |
| Average equity | $16,108,000 | 3,463 |
| Average total loans | $170,648,000 | 2,452 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 218 |
| Cost of funding earning assets | 0.7625% | 249 |
| Net interest margin | 4.3688% | 354 |
| Noninterest income to average assets | 0.0301% | 4,757 |
| Noninterest expense to average assets | 1.6348% | 4,383 |
| Loan and lease loss provision to assets | 0.1368% | 888 |
| Net operating income to assets | 2.5591% | 151 |
| Return on assets (ROA) | 2.5591% | 154 |
| Pretax return on assets | 2.5591% | 236 |
| Return on Equity (ROE) | 35.8236% | 38 |
| Retained earnings to average equity (ytd only) | 20.8435% | 51 |
| Net charge-offs to loans | 0.0099% | 2,188 |
| Credit loss provision to net charge-offs | 1,523.5294% | 377 |
| Earnings coverage of net charge-offs (x) | 300.2353% | 410 |
| Efficiency ratio | 37.7485% | 4,729 |
| Assets per employee ($millions) | 17.5553% | 140 |
| Cash dividends to net income (ytd only)* | 41.8163% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 89.1791% | 20 |
| Net loans and leases to deposits | 103.6136% | 132 |
| Net loans and leases to core deposits | 119.6266% | 166 |
| Total domestic deposits to total assets | 86.0689% | 2,872 |
| Equity capital to assets | 8.0276% | 4,346 |
| Core capital (leverage) ratio | 8.4900% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0040% | 2,628 |
| Memoranda: | ||
| Average total assets | $189,324,000 | 3,136 |
| Average earning assets | $186,367,000 | 3,052 |
| Average equity | $13,524,600 | 3,789 |
| Average total loans | $171,680,000 | 2,449 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 247 |
| Cost of funding earning assets | 0.7794% | 266 |
| Net interest margin | 4.3311% | 422 |
| Noninterest income to average assets | 0.0283% | 4,835 |
| Noninterest expense to average assets | 1.1636% | 4,798 |
| Loan and lease loss provision to assets | 0.0887% | 1,345 |
| Net operating income to assets | 3.0399% | 120 |
| Return on assets (ROA) | 3.0399% | 122 |
| Pretax return on assets | 3.0399% | 171 |
| Return on Equity (ROE) | 43.9479% | 25 |
| Retained earnings to average equity (ytd only) | 23.2172% | 72 |
| Net charge-offs to loans | 0.0132% | 1,836 |
| Credit loss provision to net charge-offs | 735.2941% | 626 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 471 |
| Efficiency ratio | 27.1108% | 4,876 |
| Assets per employee ($millions) | 20.8234% | 93 |
| Cash dividends to net income (ytd only)* | 47.1711% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 4,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 90.2957% | 18 |
| Net loans and leases to deposits | 106.3325% | 129 |
| Net loans and leases to core deposits | 119.4031% | 186 |
| Total domestic deposits to total assets | 84.9182% | 3,144 |
| Equity capital to assets | 7.8288% | 4,596 |
| Core capital (leverage) ratio | 8.4835% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1340% | 2,664 |
| Memoranda: | ||
| Average total assets | $188,378,000 | 3,175 |
| Average earning assets | $185,443,500 | 3,097 |
| Average equity | $13,030,250 | 3,879 |
| Average total loans | $171,113,000 | 2,492 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9069% | 398 |
| Cost of funding earning assets | 0.7879% | 303 |
| Net interest margin | 4.1190% | 669 |
| Noninterest income to average assets | 0.0233% | 4,883 |
| Noninterest expense to average assets | 1.1913% | 4,825 |
| Loan and lease loss provision to assets | 0.0042% | 2,798 |
| Net operating income to assets | 2.8839% | 143 |
| Return on assets (ROA) | 2.8839% | 145 |
| Pretax return on assets | 2.8839% | 213 |
| Return on Equity (ROE) | 43.5953% | 32 |
| Retained earnings to average equity (ytd only) | 22.9752% | 95 |
| Net charge-offs to loans | 0.0058% | 1,935 |
| Credit loss provision to net charge-offs | 80.0000% | 1,487 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 245 |
| Efficiency ratio | 29.2024% | 4,900 |
| Assets per employee ($millions) | 20.3150% | 92 |
| Cash dividends to net income (ytd only)* | 47.2988% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 84.7280% | 113 |
| Net loans and leases to deposits | 111.1481% | 102 |
| Net loans and leases to core deposits | 125.0154% | 167 |
| Total domestic deposits to total assets | 76.2299% | 4,549 |
| Equity capital to assets | 6.5498% | 4,890 |
| Core capital (leverage) ratio | 8.4019% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3678% | 2,590 |
| Memoranda: | ||
| Average total assets | $188,700,333 | 3,183 |
| Average earning assets | $185,821,000 | 3,100 |
| Average equity | $12,483,000 | 3,944 |
| Average total loans | $171,208,667 | 2,501 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 300 |
| Cost of funding earning assets | 0.7982% | 349 |
| Net interest margin | 4.3333% | 485 |
| Noninterest income to average assets | 0.0198% | 4,906 |
| Noninterest expense to average assets | 1.2520% | 4,843 |
| Loan and lease loss provision to assets | 0.0088% | 2,657 |
| Net operating income to assets | 3.0307% | 151 |
| Return on assets (ROA) | 3.0307% | 168 |
| Pretax return on assets | 3.0307% | 229 |
| Return on Equity (ROE) | 45.5619% | 40 |
| Retained earnings to average equity (ytd only) | 25.8129% | 120 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1731% | 4,915 |
| Assets per employee ($millions) | 19.3321% | 105 |
| Cash dividends to net income (ytd only)* | 43.3455% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 90.5101% | 21 |
| Net loans and leases to deposits | 132.7469% | 36 |
| Net loans and leases to core deposits | 149.4465% | 75 |
| Total domestic deposits to total assets | 68.1825% | 4,801 |
| Equity capital to assets | 6.5440% | 4,901 |
| Core capital (leverage) ratio | 8.8646% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6704% | 2,413 |
| Memoranda: | ||
| Average total assets | $181,475,500 | 3,243 |
| Average earning assets | $178,894,000 | 3,132 |
| Average equity | $12,071,500 | 3,993 |
| Average total loans | $170,004,000 | 2,515 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 427 |
| Cost of funding earning assets | 1.1757% | 303 |
| Net interest margin | 3.9095% | 1,185 |
| Noninterest income to average assets | 0.0286% | 4,903 |
| Noninterest expense to average assets | 1.6890% | 4,633 |
| Loan and lease loss provision to assets | 0.4105% | 747 |
| Net operating income to assets | 1.7832% | 403 |
| Return on assets (ROA) | 1.7832% | 437 |
| Pretax return on assets | 1.7832% | 709 |
| Return on Equity (ROE) | 23.3943% | 133 |
| Retained earnings to average equity (ytd only) | 11.7155% | 351 |
| Net charge-offs to loans | 0.0379% | 2,298 |
| Credit loss provision to net charge-offs | 1,176.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 62.8400% | 1,046 |
| Efficiency ratio | 43.4994% | 4,801 |
| Assets per employee ($millions) | 16.9630% | 133 |
| Cash dividends to net income (ytd only)* | 49.9217% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 4,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 95.5261% | 3 |
| Net loans and leases to deposits | 143.0447% | 23 |
| Net loans and leases to core deposits | 170.8158% | 58 |
| Total domestic deposits to total assets | 66.7806% | 4,836 |
| Equity capital to assets | 6.7747% | 4,936 |
| Core capital (leverage) ratio | 9.0273% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2121% | 2,865 |
| Memoranda: | ||
| Average total assets | $143,223,200 | 3,479 |
| Average earning assets | $141,193,800 | 3,370 |
| Average equity | $10,917,200 | 4,091 |
| Average total loans | $131,822,000 | 2,844 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3357% | 73 |
| Cost of funding earning assets | 1.2416% | 312 |
| Net interest margin | 5.0941% | 120 |
| Noninterest income to average assets | 0.0283% | 4,935 |
| Noninterest expense to average assets | 1.6600% | 4,669 |
| Loan and lease loss provision to assets | 0.4882% | 614 |
| Net operating income to assets | 2.9014% | 100 |
| Return on assets (ROA) | 2.9014% | 105 |
| Pretax return on assets | 2.9014% | 128 |
| Return on Equity (ROE) | 36.7931% | 40 |
| Retained earnings to average equity (ytd only) | 18.4522% | 101 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.8759% | 4,979 |
| Assets per employee ($millions) | 16.9835% | 122 |
| Cash dividends to net income (ytd only)* | 49.8486% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 4,092 |
| Loan loss allowance to noncurrent loans | 2,912.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,316 |
| Noncurrent loans to loans | 0.0307% | 4,278 |
| Net loans and leases to total assets | 94.9792% | 3 |
| Net loans and leases to deposits | 143.3428% | 33 |
| Net loans and leases to core deposits | 165.7552% | 70 |
| Total domestic deposits to total assets | 66.2602% | 4,846 |
| Equity capital to assets | 6.7677% | 4,974 |
| Core capital (leverage) ratio | 8.6329% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5632% | 2,772 |
| Memoranda: | ||
| Average total assets | $136,621,500 | 3,544 |
| Average earning assets | $134,662,000 | 3,435 |
| Average equity | $10,773,500 | 4,114 |
| Average total loans | $123,893,750 | 2,946 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4696% | 45 |
| Cost of funding earning assets | 1.3234% | 325 |
| Net interest margin | 6.1462% | 58 |
| Noninterest income to average assets | 0.0350% | 4,944 |
| Noninterest expense to average assets | 1.6918% | 4,690 |
| Loan and lease loss provision to assets | 0.5161% | 672 |
| Net operating income to assets | 3.8789% | 49 |
| Return on assets (ROA) | 3.8789% | 51 |
| Pretax return on assets | 3.8789% | 66 |
| Return on Equity (ROE) | 46.2342% | 20 |
| Retained earnings to average equity (ytd only) | 25.4241% | 49 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7938% | 5,029 |
| Assets per employee ($millions) | 18.7082% | 93 |
| Cash dividends to net income (ytd only)* | 45.0103% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 4,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 89.1010% | 46 |
| Net loans and leases to deposits | 121.7502% | 84 |
| Net loans and leases to core deposits | 138.8960% | 179 |
| Total domestic deposits to total assets | 73.1835% | 4,641 |
| Equity capital to assets | 6.7362% | 4,996 |
| Core capital (leverage) ratio | 8.8067% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6166% | 2,353 |
| Memoranda: | ||
| Average total assets | $125,550,333 | 3,655 |
| Average earning assets | $123,621,667 | 3,555 |
| Average equity | $10,533,333 | 4,162 |
| Average total loans | $110,937,000 | 3,088 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5945% | 305 |
| Cost of funding earning assets | 1.5421% | 224 |
| Net interest margin | 4.0524% | 1,245 |
| Noninterest income to average assets | 0.0423% | 4,986 |
| Noninterest expense to average assets | 2.1164% | 4,185 |
| Loan and lease loss provision to assets | 0.4072% | 747 |
| Net operating income to assets | 1.5057% | 771 |
| Return on assets (ROA) | 1.5057% | 843 |
| Pretax return on assets | 1.5057% | 1,290 |
| Return on Equity (ROE) | 15.4803% | 487 |
| Retained earnings to average equity (ytd only) | 9.9516% | 754 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5262% | 4,510 |
| Assets per employee ($millions) | 11.4289% | 268 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,231 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 83.8865% | 273 |
| Net loans and leases to deposits | 94.2463% | 1,055 |
| Net loans and leases to core deposits | 103.2591% | 1,235 |
| Total domestic deposits to total assets | 89.0077% | 659 |
| Equity capital to assets | 8.9729% | 4,616 |
| Core capital (leverage) ratio | 9.7827% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3197% | 2,565 |
| Memoranda: | ||
| Average total assets | $104,138,500 | 3,930 |
| Average earning assets | $102,458,000 | 3,845 |
| Average equity | $10,129,000 | 4,226 |
| Average total loans | $90,754,000 | 3,380 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8525% | 294 |
| Cost of funding earning assets | 1.6549% | 238 |
| Net interest margin | 4.1976% | 1,327 |
| Noninterest income to average assets | 0.0479% | 5,042 |
| Noninterest expense to average assets | 2.2760% | 4,006 |
| Loan and lease loss provision to assets | 0.0824% | 2,360 |
| Net operating income to assets | 1.7941% | 524 |
| Return on assets (ROA) | 1.7941% | 559 |
| Pretax return on assets | 1.7941% | 954 |
| Return on Equity (ROE) | 16.8475% | 437 |
| Retained earnings to average equity (ytd only) | 9.2703% | 647 |
| Net charge-offs to loans | 0.0386% | 2,614 |
| Credit loss provision to net charge-offs | 238.7097% | 1,134 |
| Earnings coverage of net charge-offs (x) | 54.3871% | 1,054 |
| Efficiency ratio | 54.8110% | 4,341 |
| Assets per employee ($millions) | 9.3988% | 430 |
| Cash dividends to net income (ytd only)* | 44.9752% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 2,788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 88.9656% | 66 |
| Net loans and leases to deposits | 100.9367% | 531 |
| Net loans and leases to core deposits | 113.6409% | 691 |
| Total domestic deposits to total assets | 88.1400% | 1,066 |
| Equity capital to assets | 10.6428% | 3,317 |
| Core capital (leverage) ratio | 10.9893% | 2,512 |
| Tier 1 risk-based capital ratio | 13.4087% | 3,575 |
| Total risk-based capital ratio | 14.6580% | 3,457 |
| Memoranda: | ||
| Average total assets | $89,852,200 | 4,150 |
| Average earning assets | $87,860,000 | 4,066 |
| Average equity | $9,568,200 | 4,299 |
| Average total loans | $80,348,200 | 3,597 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 298 |
| Cost of funding earning assets | 1.6745% | 222 |
| Net interest margin | 4.2169% | 1,337 |
| Noninterest income to average assets | 0.0450% | 5,121 |
| Noninterest expense to average assets | 2.1857% | 4,207 |
| Loan and lease loss provision to assets | 0.0691% | 2,496 |
| Net operating income to assets | 1.9110% | 481 |
| Return on assets (ROA) | 1.9110% | 498 |
| Pretax return on assets | 1.9110% | 839 |
| Return on Equity (ROE) | 17.9427% | 398 |
| Retained earnings to average equity (ytd only) | 9.8664% | 788 |
| Net charge-offs to loans | 0.0017% | 3,387 |
| Credit loss provision to net charge-offs | 4,600.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 1,322.2707% | 60 |
| Efficiency ratio | 52.4685% | 4,559 |
| Assets per employee ($millions) | 10.3100% | 319 |
| Cash dividends to net income (ytd only)* | 45.0118% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,713 |
| Loan loss allowance to noncurrent loans | 665.2778% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 3,960 |
| Noncurrent loans to loans | 0.1744% | 3,913 |
| Net loans and leases to total assets | 87.9373% | 96 |
| Net loans and leases to deposits | 98.7618% | 744 |
| Net loans and leases to core deposits | 104.8387% | 1,274 |
| Total domestic deposits to total assets | 89.0398% | 596 |
| Equity capital to assets | 10.5787% | 3,483 |
| Core capital (leverage) ratio | 10.7920% | 2,844 |
| Tier 1 risk-based capital ratio | 13.0864% | 3,805 |
| Total risk-based capital ratio | 14.3356% | 3,710 |
| Memoranda: | ||
| Average total assets | $88,818,250 | 4,215 |
| Average earning assets | $86,791,000 | 4,136 |
| Average equity | $9,459,500 | 4,359 |
| Average total loans | $79,292,000 | 3,651 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8826% | 295 |
| Cost of funding earning assets | 1.6881% | 191 |
| Net interest margin | 4.1945% | 1,380 |
| Noninterest income to average assets | 0.0343% | 5,197 |
| Noninterest expense to average assets | 2.1830% | 4,260 |
| Loan and lease loss provision to assets | 0.0366% | 3,083 |
| Net operating income to assets | 1.9156% | 458 |
| Return on assets (ROA) | 1.9156% | 480 |
| Pretax return on assets | 1.9156% | 805 |
| Return on Equity (ROE) | 17.9430% | 382 |
| Retained earnings to average equity (ytd only) | 9.8494% | 804 |
| Net charge-offs to loans | 0.0026% | 3,083 |
| Credit loss provision to net charge-offs | 1,600.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 854.0000% | 86 |
| Efficiency ratio | 52.7916% | 4,583 |
| Assets per employee ($millions) | 9.6824% | 370 |
| Cash dividends to net income (ytd only)* | 45.1074% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,713 |
| Loan loss allowance to noncurrent loans | 928.0000% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,185 |
| Noncurrent loans to loans | 0.1253% | 4,114 |
| Net loans and leases to total assets | 90.5109% | 46 |
| Net loans and leases to deposits | 102.1989% | 524 |
| Net loans and leases to core deposits | 108.1726% | 1,086 |
| Total domestic deposits to total assets | 88.5635% | 850 |
| Equity capital to assets | 10.9890% | 3,069 |
| Core capital (leverage) ratio | 10.7200% | 2,877 |
| Tier 1 risk-based capital ratio | 13.8744% | 3,384 |
| Total risk-based capital ratio | 15.1248% | 3,286 |
| Memoranda: | ||
| Average total assets | $87,494,330 | 4,258 |
| Average earning assets | $85,540,000 | 4,184 |
| Average equity | $9,340,670 | 4,391 |
| Average total loans | $78,204,330 | 3,689 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6722% | 377 |
| Cost of funding earning assets | 1.6998% | 159 |
| Net interest margin | 3.9724% | 1,938 |
| Noninterest income to average assets | 0.0684% | 5,167 |
| Noninterest expense to average assets | 2.2037% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7566% | 646 |
| Return on assets (ROA) | 1.7566% | 664 |
| Pretax return on assets | 1.7566% | 1,085 |
| Return on Equity (ROE) | 16.6974% | 502 |
| Retained earnings to average equity (ytd only) | 9.2811% | 1,230 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6452% | 4,378 |
| Assets per employee ($millions) | 11.0076% | 259 |
| Cash dividends to net income (ytd only)* | 44.4156% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 86.9386% | 148 |
| Net loans and leases to deposits | 97.6480% | 821 |
| Net loans and leases to core deposits | 105.3603% | 1,212 |
| Total domestic deposits to total assets | 89.0326% | 842 |
| Equity capital to assets | 10.5949% | 3,257 |
| Core capital (leverage) ratio | 10.5815% | 2,963 |
| Tier 1 risk-based capital ratio | 14.1462% | 3,275 |
| Total risk-based capital ratio | 15.3971% | 3,195 |
| Memoranda: | ||
| Average total assets | $87,670,500 | 4,302 |
| Average earning assets | $85,892,000 | 4,221 |
| Average equity | $9,223,000 | 4,436 |
| Average total loans | $77,406,000 | 3,745 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5602% | 353 |
| Cost of funding earning assets | 1.3756% | 155 |
| Net interest margin | 4.1846% | 1,433 |
| Noninterest income to average assets | 0.0693% | 5,230 |
| Noninterest expense to average assets | 2.0384% | 4,683 |
| Loan and lease loss provision to assets | 0.0731% | 2,672 |
| Net operating income to assets | 2.0755% | 308 |
| Return on assets (ROA) | 2.0755% | 306 |
| Pretax return on assets | 2.0755% | 468 |
| Return on Equity (ROE) | 19.3932% | 291 |
| Retained earnings to average equity (ytd only) | 10.6686% | 492 |
| Net charge-offs to loans | 0.0451% | 2,530 |
| Credit loss provision to net charge-offs | 178.7879% | 1,581 |
| Earnings coverage of net charge-offs (x) | 52.5758% | 1,099 |
| Efficiency ratio | 48.6838% | 5,011 |
| Assets per employee ($millions) | 10.9100% | 272 |
| Cash dividends to net income (ytd only)* | 44.9881% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,670 |
| Loan loss allowance to noncurrent loans | 6,521.4286% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,811 |
| Noncurrent loans to loans | 0.0181% | 4,714 |
| Net loans and leases to total assets | 87.5653% | 135 |
| Net loans and leases to deposits | 101.9720% | 595 |
| Net loans and leases to core deposits | 106.4532% | 1,238 |
| Total domestic deposits to total assets | 85.8719% | 2,294 |
| Equity capital to assets | 10.4445% | 3,243 |
| Core capital (leverage) ratio | 10.8757% | 2,650 |
| Tier 1 risk-based capital ratio | 14.0768% | 3,257 |
| Total risk-based capital ratio | 15.3276% | 3,189 |
| Memoranda: | ||
| Average total assets | $80,751,000 | 4,422 |
| Average earning assets | $79,457,400 | 4,325 |
| Average equity | $8,642,200 | 4,506 |
| Average total loans | $73,104,000 | 3,808 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4815% | 378 |
| Cost of funding earning assets | 1.3260% | 153 |
| Net interest margin | 4.1556% | 1,483 |
| Noninterest income to average assets | 0.0607% | 5,319 |
| Noninterest expense to average assets | 2.0694% | 4,608 |
| Loan and lease loss provision to assets | 0.0522% | 2,937 |
| Net operating income to assets | 2.0374% | 347 |
| Return on assets (ROA) | 2.0374% | 346 |
| Pretax return on assets | 2.0374% | 567 |
| Return on Equity (ROE) | 18.9114% | 348 |
| Retained earnings to average equity (ytd only) | 10.6524% | 734 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7569% | 4,956 |
| Assets per employee ($millions) | 11.3557% | 225 |
| Cash dividends to net income (ytd only)* | 43.6723% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,313 |
| Loan loss allowance to noncurrent loans | 304.9834% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 3,172 |
| Noncurrent loans to loans | 0.4130% | 3,172 |
| Net loans and leases to total assets | 90.5384% | 56 |
| Net loans and leases to deposits | 105.0903% | 479 |
| Net loans and leases to core deposits | 112.5201% | 890 |
| Total domestic deposits to total assets | 86.1530% | 2,120 |
| Equity capital to assets | 11.1649% | 2,511 |
| Core capital (leverage) ratio | 11.0032% | 2,575 |
| Tier 1 risk-based capital ratio | 14.6905% | 3,023 |
| Total risk-based capital ratio | 15.9436% | 2,949 |
| Memoranda: | ||
| Average total assets | $79,118,750 | 4,490 |
| Average earning assets | $78,029,750 | 4,395 |
| Average equity | $8,523,750 | 4,568 |
| Average total loans | $72,045,000 | 3,864 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 409 |
| Cost of funding earning assets | 1.2983% | 112 |
| Net interest margin | 4.0745% | 1,631 |
| Noninterest income to average assets | 0.0557% | 5,390 |
| Noninterest expense to average assets | 2.0786% | 4,654 |
| Loan and lease loss provision to assets | 0.0785% | 2,336 |
| Net operating income to assets | 1.9191% | 445 |
| Return on assets (ROA) | 1.9191% | 443 |
| Pretax return on assets | 1.9191% | 741 |
| Return on Equity (ROE) | 18.0333% | 416 |
| Retained earnings to average equity (ytd only) | 10.1110% | 900 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9938% | 4,967 |
| Assets per employee ($millions) | 9.9536% | 320 |
| Cash dividends to net income (ytd only)* | 43.9314% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,415 |
| Loan loss allowance to noncurrent loans | 685.0746% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 4,148 |
| Noncurrent loans to loans | 0.1830% | 4,085 |
| Net loans and leases to total assets | 90.8275% | 52 |
| Net loans and leases to deposits | 105.2628% | 470 |
| Net loans and leases to core deposits | 113.1369% | 830 |
| Total domestic deposits to total assets | 86.2864% | 2,149 |
| Equity capital to assets | 10.8239% | 2,813 |
| Core capital (leverage) ratio | 10.8631% | 2,644 |
| Tier 1 risk-based capital ratio | 14.1548% | 3,285 |
| Total risk-based capital ratio | 15.4079% | 3,199 |
| Memoranda: | ||
| Average total assets | $78,995,000 | 4,534 |
| Average earning assets | $77,948,330 | 4,439 |
| Average equity | $8,406,670 | 4,631 |
| Average total loans | $71,764,330 | 3,898 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3474% | 366 |
| Cost of funding earning assets | 1.2519% | 108 |
| Net interest margin | 4.0956% | 1,449 |
| Noninterest income to average assets | 0.0559% | 5,460 |
| Noninterest expense to average assets | 2.1149% | 4,628 |
| Loan and lease loss provision to assets | 0.0915% | 1,981 |
| Net operating income to assets | 1.8913% | 461 |
| Return on assets (ROA) | 1.8913% | 466 |
| Pretax return on assets | 1.8913% | 742 |
| Return on Equity (ROE) | 17.9266% | 423 |
| Retained earnings to average equity (ytd only) | 10.2163% | 1,099 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6129% | 4,987 |
| Assets per employee ($millions) | 11.2777% | 231 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 88.2410% | 117 |
| Net loans and leases to deposits | 98.9180% | 790 |
| Net loans and leases to core deposits | 108.5722% | 1,084 |
| Total domestic deposits to total assets | 89.2063% | 1,006 |
| Equity capital to assets | 10.6493% | 2,927 |
| Core capital (leverage) ratio | 10.8144% | 2,618 |
| Tier 1 risk-based capital ratio | 14.0501% | 3,356 |
| Total risk-based capital ratio | 15.3018% | 3,267 |
| Memoranda: | ||
| Average total assets | $78,678,000 | 4,593 |
| Average earning assets | $77,644,500 | 4,497 |
| Average equity | $8,300,500 | 4,698 |
| Average total loans | $71,025,000 | 3,947 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 397 |
| Cost of funding earning assets | 1.1926% | 76 |
| Net interest margin | 4.0635% | 1,551 |
| Noninterest income to average assets | 0.2647% | 4,547 |
| Noninterest expense to average assets | 2.0583% | 4,866 |
| Loan and lease loss provision to assets | 0.1874% | 1,130 |
| Net operating income to assets | 2.0190% | 274 |
| Return on assets (ROA) | 2.0190% | 279 |
| Pretax return on assets | 2.0190% | 471 |
| Return on Equity (ROE) | 19.8342% | 202 |
| Retained earnings to average equity (ytd only) | 10.9146% | 255 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2642% | 5,301 |
| Assets per employee ($millions) | 11.2017% | 229 |
| Cash dividends to net income (ytd only)* | 44.9708% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,539 |
| Loan loss allowance to noncurrent loans | 220.3980% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 2,847 |
| Noncurrent loans to loans | 0.5624% | 2,808 |
| Net loans and leases to total assets | 90.0360% | 77 |
| Net loans and leases to deposits | 100.7938% | 674 |
| Net loans and leases to core deposits | 111.5484% | 920 |
| Total domestic deposits to total assets | 89.3269% | 857 |
| Equity capital to assets | 10.4499% | 3,214 |
| Core capital (leverage) ratio | 10.3982% | 2,968 |
| Tier 1 risk-based capital ratio | 13.7428% | 3,499 |
| Total risk-based capital ratio | 14.9956% | 3,414 |
| Memoranda: | ||
| Average total assets | $76,325,400 | 4,663 |
| Average earning assets | $75,131,800 | 4,559 |
| Average equity | $7,769,400 | 4,819 |
| Average total loans | $67,134,800 | 4,027 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 413 |
| Cost of funding earning assets | 1.1652% | 78 |
| Net interest margin | 4.0443% | 1,560 |
| Noninterest income to average assets | 0.3342% | 4,144 |
| Noninterest expense to average assets | 2.0403% | 4,872 |
| Loan and lease loss provision to assets | 0.2040% | 924 |
| Net operating income to assets | 2.0702% | 278 |
| Return on assets (ROA) | 2.0702% | 284 |
| Pretax return on assets | 2.0702% | 479 |
| Return on Equity (ROE) | 20.4781% | 202 |
| Retained earnings to average equity (ytd only) | 11.8659% | 306 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2890% | 5,377 |
| Assets per employee ($millions) | 9.8416% | 330 |
| Cash dividends to net income (ytd only)* | 42.0560% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.6215% | 167 |
| Net loans and leases to deposits | 97.7153% | 946 |
| Net loans and leases to core deposits | 106.7398% | 1,217 |
| Total domestic deposits to total assets | 89.6702% | 591 |
| Equity capital to assets | 10.1952% | 3,698 |
| Core capital (leverage) ratio | 10.3771% | 3,104 |
| Tier 1 risk-based capital ratio | 13.7708% | 3,538 |
| Total risk-based capital ratio | 15.0232% | 3,474 |
| Memoranda: | ||
| Average total assets | $75,803,750 | 4,719 |
| Average earning assets | $74,605,750 | 4,620 |
| Average equity | $7,663,250 | 4,880 |
| Average total loans | $66,047,250 | 4,082 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 445 |
| Cost of funding earning assets | 1.1584% | 70 |
| Net interest margin | 3.9702% | 1,709 |
| Noninterest income to average assets | 0.3234% | 4,238 |
| Noninterest expense to average assets | 2.0795% | 4,809 |
| Loan and lease loss provision to assets | 0.2352% | 732 |
| Net operating income to assets | 1.9111% | 362 |
| Return on assets (ROA) | 1.9111% | 372 |
| Pretax return on assets | 1.9111% | 630 |
| Return on Equity (ROE) | 18.9605% | 264 |
| Retained earnings to average equity (ytd only) | 11.1376% | 420 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2094% | 5,348 |
| Assets per employee ($millions) | 8.5064% | 507 |
| Cash dividends to net income (ytd only)* | 41.2587% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 87.0765% | 197 |
| Net loans and leases to deposits | 97.0477% | 981 |
| Net loans and leases to core deposits | 106.3782% | 1,202 |
| Total domestic deposits to total assets | 89.7254% | 634 |
| Equity capital to assets | 10.1439% | 3,749 |
| Core capital (leverage) ratio | 10.3496% | 3,071 |
| Tier 1 risk-based capital ratio | 13.8072% | 3,530 |
| Total risk-based capital ratio | 15.0588% | 3,451 |
| Memoranda: | ||
| Average total assets | $74,827,330 | 4,768 |
| Average earning assets | $73,547,330 | 4,669 |
| Average equity | $7,542,000 | 4,922 |
| Average total loans | $64,781,000 | 4,130 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 536 |
| Cost of funding earning assets | 1.1536% | 70 |
| Net interest margin | 3.8307% | 2,014 |
| Noninterest income to average assets | 0.1298% | 5,469 |
| Noninterest expense to average assets | 2.1579% | 4,741 |
| Loan and lease loss provision to assets | 0.0919% | 2,005 |
| Net operating income to assets | 1.6333% | 636 |
| Return on assets (ROA) | 1.6333% | 652 |
| Pretax return on assets | 1.6333% | 1,158 |
| Return on Equity (ROE) | 16.2584% | 494 |
| Retained earnings to average equity (ytd only) | 8.9906% | 1,088 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5710% | 4,982 |
| Assets per employee ($millions) | 8.2640% | 553 |
| Cash dividends to net income (ytd only)* | 44.7020% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 3,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 82.7646% | 487 |
| Net loans and leases to deposits | 92.3683% | 1,289 |
| Net loans and leases to core deposits | 100.6985% | 1,462 |
| Total domestic deposits to total assets | 89.6028% | 852 |
| Equity capital to assets | 10.1014% | 3,621 |
| Core capital (leverage) ratio | 10.1117% | 3,365 |
| Tier 1 risk-based capital ratio | 14.2933% | 3,319 |
| Total risk-based capital ratio | 15.5452% | 3,239 |
| Memoranda: | ||
| Average total assets | $73,962,000 | 4,831 |
| Average earning assets | $72,468,000 | 4,731 |
| Average equity | $7,430,000 | 4,983 |
| Average total loans | $63,424,000 | 4,194 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 457 |
| Cost of funding earning assets | 1.1325% | 76 |
| Net interest margin | 4.0139% | 1,594 |
| Noninterest income to average assets | -0.0962% | 5,888 |
| Noninterest expense to average assets | 2.2985% | 4,561 |
| Loan and lease loss provision to assets | 0.2281% | 951 |
| Net operating income to assets | 1.2990% | 1,213 |
| Return on assets (ROA) | 1.2990% | 1,287 |
| Pretax return on assets | 1.2990% | 2,290 |
| Return on Equity (ROE) | 12.0418% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.0418% | 215 |
| Net charge-offs to loans | 0.0054% | 4,066 |
| Credit loss provision to net charge-offs | 4,900.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 238 |
| Efficiency ratio | 60.0811% | 4,572 |
| Assets per employee ($millions) | 8.1720% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 86.7298% | 193 |
| Net loans and leases to deposits | 96.4775% | 955 |
| Net loans and leases to core deposits | 106.1188% | 1,123 |
| Total domestic deposits to total assets | 89.8964% | 683 |
| Equity capital to assets | 9.9894% | 3,734 |
| Core capital (leverage) ratio | 10.1544% | 3,298 |
| Tier 1 risk-based capital ratio | 13.2754% | 3,910 |
| Total risk-based capital ratio | 14.5258% | 3,824 |
| Memoranda: | ||
| Average total assets | $64,433,000 | 5,040 |
| Average earning assets | $62,956,600 | 4,962 |
| Average equity | $6,950,800 | 5,099 |
| Average total loans | $55,451,200 | 4,418 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1702% | 442 |
| Cost of funding earning assets | 1.1038% | 94 |
| Net interest margin | 4.0663% | 1,482 |
| Noninterest income to average assets | 0.0343% | 5,870 |
| Noninterest expense to average assets | 2.2567% | 4,633 |
| Loan and lease loss provision to assets | 0.2210% | 939 |
| Net operating income to assets | 1.5316% | 824 |
| Return on assets (ROA) | 1.5316% | 872 |
| Pretax return on assets | 1.5316% | 1,604 |
| Return on Equity (ROE) | 13.8940% | 846 |
| Retained earnings to average equity (ytd only) | 13.8940% | 177 |
| Net charge-offs to loans | 0.0075% | 3,655 |
| Credit loss provision to net charge-offs | 3,433.3333% | 151 |
| Earnings coverage of net charge-offs (x) | 272.3275% | 295 |
| Efficiency ratio | 56.2868% | 5,032 |
| Assets per employee ($millions) | 7.8709% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6141% | 3,065 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 82.0181% | 617 |
| Net loans and leases to deposits | 91.4284% | 1,576 |
| Net loans and leases to core deposits | 99.8265% | 1,652 |
| Total domestic deposits to total assets | 89.7075% | 588 |
| Equity capital to assets | 10.1965% | 3,921 |
| Core capital (leverage) ratio | 10.7370% | 2,741 |
| Tier 1 risk-based capital ratio | 14.4025% | 3,332 |
| Total risk-based capital ratio | 15.6527% | 3,261 |
| Memoranda: | ||
| Average total assets | $62,154,250 | 5,137 |
| Average earning assets | $60,757,250 | 5,046 |
| Average equity | $6,851,750 | 5,169 |
| Average total loans | $53,181,250 | 4,519 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 446 |
| Cost of funding earning assets | 1.0603% | 112 |
| Net interest margin | 4.1103% | 1,341 |
| Noninterest income to average assets | 0.0371% | 5,940 |
| Noninterest expense to average assets | 2.2815% | 4,660 |
| Loan and lease loss provision to assets | 0.2464% | 793 |
| Net operating income to assets | 1.5390% | 833 |
| Return on assets (ROA) | 1.5390% | 876 |
| Pretax return on assets | 1.5390% | 1,561 |
| Return on Equity (ROE) | 13.5553% | 915 |
| Retained earnings to average equity (ytd only) | 13.5553% | 209 |
| Net charge-offs to loans | 0.0117% | 3,312 |
| Credit loss provision to net charge-offs | 2,433.3333% | 179 |
| Earnings coverage of net charge-offs (x) | 176.3333% | 367 |
| Efficiency ratio | 56.0996% | 5,139 |
| Assets per employee ($millions) | 7.8646% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 2,911 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 87.6885% | 151 |
| Net loans and leases to deposits | 98.7330% | 815 |
| Net loans and leases to core deposits | 106.7550% | 1,118 |
| Total domestic deposits to total assets | 88.8138% | 1,004 |
| Equity capital to assets | 11.0701% | 2,978 |
| Core capital (leverage) ratio | 11.5406% | 1,960 |
| Tier 1 risk-based capital ratio | 14.4787% | 3,332 |
| Total risk-based capital ratio | 15.7302% | 3,260 |
| Memoranda: | ||
| Average total assets | $59,259,670 | 5,255 |
| Average earning assets | $58,097,330 | 5,169 |
| Average equity | $6,728,000 | 5,240 |
| Average total loans | $51,308,670 | 4,606 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 465 |
| Cost of funding earning assets | 1.0375% | 130 |
| Net interest margin | 4.1001% | 1,347 |
| Noninterest income to average assets | 0.0418% | 5,991 |
| Noninterest expense to average assets | 2.4377% | 4,266 |
| Loan and lease loss provision to assets | 0.2229% | 852 |
| Net operating income to assets | 1.3999% | 1,034 |
| Return on assets (ROA) | 1.3999% | 1,094 |
| Pretax return on assets | 1.3999% | 1,906 |
| Return on Equity (ROE) | 12.1643% | 1,271 |
| Retained earnings to average equity (ytd only) | 12.1643% | 487 |
| Net charge-offs to loans | 0.0408% | 2,185 |
| Credit loss provision to net charge-offs | 640.0000% | 503 |
| Earnings coverage of net charge-offs (x) | 46.6000% | 924 |
| Efficiency ratio | 60.0343% | 4,744 |
| Assets per employee ($millions) | 7.2153% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 3,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7536% | 2,819 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 85.9031% | 221 |
| Net loans and leases to deposits | 97.3305% | 813 |
| Net loans and leases to core deposits | 105.8016% | 1,088 |
| Total domestic deposits to total assets | 88.2592% | 1,497 |
| Equity capital to assets | 11.6247% | 2,312 |
| Core capital (leverage) ratio | 11.8109% | 1,740 |
| Tier 1 risk-based capital ratio | 15.5277% | 2,898 |
| Total risk-based capital ratio | 16.7797% | 2,834 |
| Memoranda: | ||
| Average total assets | $57,431,000 | 5,352 |
| Average earning assets | $56,291,500 | 5,258 |
| Average equity | $6,609,500 | 5,304 |
| Average total loans | $49,043,000 | 4,706 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3787% | 328 |
| Cost of funding earning assets | 0.9403% | 236 |
| Net interest margin | 4.4384% | 731 |
| Noninterest income to average assets | 0.0595% | 5,983 |
| Noninterest expense to average assets | 2.6713% | 3,685 |
| Loan and lease loss provision to assets | 0.2916% | 594 |
| Net operating income to assets | 1.4291% | 988 |
| Return on assets (ROA) | 1.4291% | 1,019 |
| Pretax return on assets | 1.4291% | 1,792 |
| Return on Equity (ROE) | 13.0021% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.0021% | 204 |
| Net charge-offs to loans | 0.0025% | 4,388 |
| Credit loss provision to net charge-offs | 14,200.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 838.0000% | 72 |
| Efficiency ratio | 60.8228% | 4,781 |
| Assets per employee ($millions) | 7.1425% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 3,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 2,784 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.7319% | 518 |
| Net loans and leases to deposits | 93.4711% | 1,251 |
| Net loans and leases to core deposits | 101.1036% | 1,433 |
| Total domestic deposits to total assets | 88.5107% | 1,378 |
| Equity capital to assets | 11.3913% | 2,454 |
| Core capital (leverage) ratio | 11.7290% | 1,799 |
| Tier 1 risk-based capital ratio | 16.0076% | 2,684 |
| Total risk-based capital ratio | 17.2594% | 2,625 |
| Memoranda: | ||
| Average total assets | $48,703,200 | 5,575 |
| Average earning assets | $47,539,600 | 5,493 |
| Average equity | $5,353,000 | 5,571 |
| Average total loans | $40,379,200 | 4,997 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 318 |
| Cost of funding earning assets | 0.8982% | 296 |
| Net interest margin | 4.4999% | 650 |
| Noninterest income to average assets | 0.0544% | 6,080 |
| Noninterest expense to average assets | 2.6698% | 3,666 |
| Loan and lease loss provision to assets | 0.3033% | 479 |
| Net operating income to assets | 1.4680% | 971 |
| Return on assets (ROA) | 1.4680% | 1,010 |
| Pretax return on assets | 1.4680% | 1,769 |
| Return on Equity (ROE) | 13.5067% | 1,003 |
| Retained earnings to average equity (ytd only) | 13.5067% | 238 |
| Net charge-offs to loans | 0.0069% | 3,928 |
| Credit loss provision to net charge-offs | 5,300.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 309.1049% | 235 |
| Efficiency ratio | 60.1160% | 4,872 |
| Assets per employee ($millions) | 6.2855% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 3,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 2,712 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 87.6601% | 156 |
| Net loans and leases to deposits | 98.1540% | 806 |
| Net loans and leases to core deposits | 107.4600% | 1,007 |
| Total domestic deposits to total assets | 89.3087% | 864 |
| Equity capital to assets | 10.5918% | 3,487 |
| Core capital (leverage) ratio | 10.8140% | 2,699 |
| Tier 1 risk-based capital ratio | 13.7901% | 3,972 |
| Total risk-based capital ratio | 15.0407% | 3,910 |
| Memoranda: | ||
| Average total assets | $46,594,000 | 5,692 |
| Average earning assets | $45,422,250 | 5,616 |
| Average equity | $5,064,000 | 5,706 |
| Average total loans | $38,505,750 | 5,121 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 370 |
| Cost of funding earning assets | 0.8689% | 339 |
| Net interest margin | 4.4123% | 745 |
| Noninterest income to average assets | 0.0529% | 6,165 |
| Noninterest expense to average assets | 2.7379% | 3,462 |
| Loan and lease loss provision to assets | 0.0749% | 2,617 |
| Net operating income to assets | 1.5387% | 845 |
| Return on assets (ROA) | 1.5387% | 883 |
| Pretax return on assets | 1.5387% | 1,531 |
| Return on Equity (ROE) | 14.0254% | 899 |
| Retained earnings to average equity (ytd only) | 14.0254% | 234 |
| Net charge-offs to loans | 0.0165% | 3,380 |
| Credit loss provision to net charge-offs | 566.6667% | 575 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 518 |
| Efficiency ratio | 62.9179% | 4,533 |
| Assets per employee ($millions) | 7.2693% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 3,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 2,850 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.5109% | 1,742 |
| Net loans and leases to deposits | 81.8960% | 2,566 |
| Net loans and leases to core deposits | 89.5673% | 2,388 |
| Total domestic deposits to total assets | 89.7612% | 763 |
| Equity capital to assets | 10.1444% | 3,876 |
| Core capital (leverage) ratio | 10.9043% | 2,516 |
| Tier 1 risk-based capital ratio | 16.0800% | 2,815 |
| Total risk-based capital ratio | 17.3323% | 2,774 |
| Memoranda: | ||
| Average total assets | $45,364,000 | 5,783 |
| Average earning assets | $44,194,330 | 5,710 |
| Average equity | $4,976,670 | 5,783 |
| Average total loans | $36,460,330 | 5,242 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 357 |
| Cost of funding earning assets | 0.8287% | 426 |
| Net interest margin | 4.4615% | 650 |
| Noninterest income to average assets | 0.0563% | 6,211 |
| Noninterest expense to average assets | 2.9106% | 2,871 |
| Loan and lease loss provision to assets | 0.1596% | 1,269 |
| Net operating income to assets | 1.3332% | 1,174 |
| Return on assets (ROA) | 1.3332% | 1,249 |
| Pretax return on assets | 1.3332% | 2,139 |
| Return on Equity (ROE) | 11.6298% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.6298% | 626 |
| Net charge-offs to loans | 0.0336% | 2,529 |
| Credit loss provision to net charge-offs | 566.6667% | 491 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 804 |
| Efficiency ratio | 66.0981% | 4,140 |
| Assets per employee ($millions) | 6.5141% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 2,716 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 80.8724% | 584 |
| Net loans and leases to deposits | 90.8323% | 1,310 |
| Net loans and leases to core deposits | 99.8132% | 1,334 |
| Total domestic deposits to total assets | 89.0348% | 1,243 |
| Equity capital to assets | 10.8665% | 3,124 |
| Core capital (leverage) ratio | 11.4424% | 2,044 |
| Tier 1 risk-based capital ratio | 14.8776% | 3,496 |
| Total risk-based capital ratio | 16.1297% | 3,434 |
| Memoranda: | ||
| Average total assets | $42,603,500 | 5,902 |
| Average earning assets | $41,511,000 | 5,826 |
| Average equity | $4,884,000 | 5,860 |
| Average total loans | $35,750,500 | 5,309 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 668 |
| Cost of funding earning assets | 0.7807% | 716 |
| Net interest margin | 4.2937% | 1,070 |
| Noninterest income to average assets | -0.1074% | 6,453 |
| Noninterest expense to average assets | 3.0217% | 2,781 |
| Loan and lease loss provision to assets | 0.2228% | 1,104 |
| Net operating income to assets | 0.8281% | 3,231 |
| Return on assets (ROA) | 0.8281% | 3,324 |
| Pretax return on assets | 0.8281% | 4,149 |
| Return on Equity (ROE) | 6.7724% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.7724% | 1,510 |
| Net charge-offs to loans | 0.1551% | 2,483 |
| Credit loss provision to net charge-offs | 177.0833% | 1,372 |
| Earnings coverage of net charge-offs (x) | 8.3542% | 2,894 |
| Efficiency ratio | 74.1956% | 2,805 |
| Assets per employee ($millions) | 5.6583% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 3,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 2,554 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 85.0636% | 272 |
| Net loans and leases to deposits | 96.9191% | 837 |
| Net loans and leases to core deposits | 104.8974% | 1,080 |
| Total domestic deposits to total assets | 87.7676% | 1,890 |
| Equity capital to assets | 12.1516% | 1,905 |
| Core capital (leverage) ratio | 11.8643% | 1,726 |
| Tier 1 risk-based capital ratio | 14.6715% | 3,680 |
| Total risk-based capital ratio | 15.9244% | 3,605 |
| Memoranda: | ||
| Average total assets | $38,157,800 | 6,081 |
| Average earning assets | $37,147,400 | 6,012 |
| Average equity | $4,666,000 | 5,938 |
| Average total loans | $30,951,000 | 5,531 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 717 |
| Cost of funding earning assets | 0.7787% | 769 |
| Net interest margin | 4.2632% | 1,123 |
| Noninterest income to average assets | -0.1693% | 6,545 |
| Noninterest expense to average assets | 3.0268% | 2,713 |
| Loan and lease loss provision to assets | 0.2293% | 974 |
| Net operating income to assets | 0.7267% | 3,805 |
| Return on assets (ROA) | 0.7267% | 3,911 |
| Pretax return on assets | 0.7267% | 4,601 |
| Return on Equity (ROE) | 5.9331% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.9331% | 2,453 |
| Net charge-offs to loans | 0.2123% | 1,767 |
| Credit loss provision to net charge-offs | 135.4167% | 1,722 |
| Earnings coverage of net charge-offs (x) | 5.6456% | 3,223 |
| Efficiency ratio | 75.9965% | 2,491 |
| Assets per employee ($millions) | 5.8316% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 3,353 |
| Loan loss allowance to noncurrent loans | 94.0043% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.1440% | 2,663 |
| Noncurrent loans to loans | 1.4473% | 2,249 |
| Net loans and leases to total assets | 77.9697% | 965 |
| Net loans and leases to deposits | 88.2542% | 1,638 |
| Net loans and leases to core deposits | 94.4395% | 1,813 |
| Total domestic deposits to total assets | 88.3467% | 1,577 |
| Equity capital to assets | 11.5210% | 2,460 |
| Core capital (leverage) ratio | 11.4929% | 2,071 |
| Tier 1 risk-based capital ratio | 15.3788% | 3,385 |
| Total risk-based capital ratio | 16.6312% | 3,319 |
| Memoranda: | ||
| Average total assets | $37,795,250 | 6,160 |
| Average earning assets | $36,810,500 | 6,094 |
| Average equity | $4,629,250 | 6,008 |
| Average total loans | $30,151,000 | 5,614 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 669 |
| Cost of funding earning assets | 0.7900% | 757 |
| Net interest margin | 4.2692% | 1,094 |
| Noninterest income to average assets | 0.0544% | 6,435 |
| Noninterest expense to average assets | 3.0283% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1689% | 1,693 |
| Return on assets (ROA) | 1.1689% | 1,755 |
| Pretax return on assets | 1.1689% | 2,803 |
| Return on Equity (ROE) | 9.3383% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.3383% | 873 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1503% | 3,306 |
| Assets per employee ($millions) | 4.7045% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 3,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 2,871 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 81.2015% | 553 |
| Net loans and leases to deposits | 92.9499% | 1,056 |
| Net loans and leases to core deposits | 100.1343% | 1,275 |
| Total domestic deposits to total assets | 87.3605% | 2,272 |
| Equity capital to assets | 12.5199% | 1,628 |
| Core capital (leverage) ratio | 12.8719% | 1,215 |
| Tier 1 risk-based capital ratio | 15.2620% | 3,489 |
| Total risk-based capital ratio | 16.5123% | 3,439 |
| Memoranda: | ||
| Average total assets | $36,786,670 | 6,242 |
| Average earning assets | $35,697,670 | 6,175 |
| Average equity | $4,604,670 | 6,055 |
| Average total loans | $29,445,670 | 5,679 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 719 |
| Cost of funding earning assets | 0.7916% | 778 |
| Net interest margin | 4.2070% | 1,198 |
| Noninterest income to average assets | 0.0440% | 6,498 |
| Noninterest expense to average assets | 2.9701% | 2,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1661% | 1,577 |
| Return on assets (ROA) | 1.1661% | 1,648 |
| Pretax return on assets | 1.1661% | 2,635 |
| Return on Equity (ROE) | 9.3166% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.3166% | 1,157 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8085% | 3,521 |
| Assets per employee ($millions) | 5.2771% | 1,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 3,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 3,014 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 77.3362% | 839 |
| Net loans and leases to deposits | 88.4760% | 1,309 |
| Net loans and leases to core deposits | 95.4398% | 1,433 |
| Total domestic deposits to total assets | 87.4093% | 2,561 |
| Equity capital to assets | 12.4635% | 1,599 |
| Core capital (leverage) ratio | 12.5768% | 1,353 |
| Tier 1 risk-based capital ratio | 15.6604% | 3,355 |
| Total risk-based capital ratio | 16.9121% | 3,316 |
| Memoranda: | ||
| Average total assets | $36,362,000 | 6,318 |
| Average earning assets | $35,369,500 | 6,245 |
| Average equity | $4,551,000 | 6,119 |
| Average total loans | $28,676,500 | 5,768 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5668% | 326 |
| Cost of funding earning assets | 0.8696% | 865 |
| Net interest margin | 4.6972% | 511 |
| Noninterest income to average assets | 0.3860% | 4,547 |
| Noninterest expense to average assets | 3.2630% | 2,240 |
| Loan and lease loss provision to assets | 0.0241% | 4,643 |
| Net operating income to assets | 1.6436% | 635 |
| Return on assets (ROA) | 1.6436% | 649 |
| Pretax return on assets | 1.6436% | 1,066 |
| Return on Equity (ROE) | 12.8030% | 1,207 |
| Retained earnings to average equity (ytd only) | 12.8030% | 252 |
| Net charge-offs to loans | -0.0144% | 6,082 |
| Credit loss provision to net charge-offs | -200.0000% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1774% | 4,524 |
| Assets per employee ($millions) | 5.1120% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 3,084 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 78.0768% | 821 |
| Net loans and leases to deposits | 89.4077% | 1,295 |
| Net loans and leases to core deposits | 96.6881% | 1,406 |
| Total domestic deposits to total assets | 87.3267% | 2,565 |
| Equity capital to assets | 12.5699% | 1,478 |
| Core capital (leverage) ratio | 12.7552% | 1,233 |
| Tier 1 risk-based capital ratio | 15.6621% | 3,268 |
| Total risk-based capital ratio | 16.9156% | 3,226 |
| Memoranda: | ||
| Average total assets | $33,159,200 | 6,454 |
| Average earning assets | $32,083,000 | 6,395 |
| Average equity | $4,256,800 | 6,273 |
| Average total loans | $27,701,000 | 5,862 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6467% | 296 |
| Cost of funding earning assets | 0.9001% | 814 |
| Net interest margin | 4.7466% | 475 |
| Noninterest income to average assets | 0.5702% | 3,330 |
| Noninterest expense to average assets | 3.1627% | 2,470 |
| Loan and lease loss provision to assets | 0.0328% | 4,363 |
| Net operating income to assets | 1.9608% | 389 |
| Return on assets (ROA) | 1.9608% | 404 |
| Pretax return on assets | 1.9608% | 630 |
| Return on Equity (ROE) | 15.1869% | 773 |
| Retained earnings to average equity (ytd only) | 15.1869% | 190 |
| Net charge-offs to loans | -0.0194% | 6,035 |
| Credit loss provision to net charge-offs | -200.0000% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3365% | 5,223 |
| Assets per employee ($millions) | 4.8891% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 3,891 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 3,139 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 86.9565% | 112 |
| Net loans and leases to deposits | 100.0235% | 466 |
| Net loans and leases to core deposits | 108.6012% | 643 |
| Total domestic deposits to total assets | 86.9361% | 2,727 |
| Equity capital to assets | 12.9471% | 1,354 |
| Core capital (leverage) ratio | 12.9037% | 1,240 |
| Tier 1 risk-based capital ratio | 14.3347% | 4,193 |
| Total risk-based capital ratio | 15.5867% | 4,136 |
| Memoranda: | ||
| Average total assets | $32,503,000 | 6,550 |
| Average earning assets | $31,404,000 | 6,482 |
| Average equity | $4,196,500 | 6,354 |
| Average total loans | $27,535,750 | 5,924 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3237% | 505 |
| Cost of funding earning assets | 0.9261% | 789 |
| Net interest margin | 4.3976% | 854 |
| Noninterest income to average assets | 0.8331% | 2,053 |
| Noninterest expense to average assets | 3.1883% | 2,387 |
| Loan and lease loss provision to assets | 0.0063% | 4,713 |
| Net operating income to assets | 1.8917% | 427 |
| Return on assets (ROA) | 1.8917% | 464 |
| Pretax return on assets | 1.8917% | 762 |
| Return on Equity (ROE) | 14.6661% | 879 |
| Retained earnings to average equity (ytd only) | 14.6661% | 261 |
| Net charge-offs to loans | -0.0225% | 6,004 |
| Credit loss provision to net charge-offs | -33.3333% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6847% | 5,068 |
| Assets per employee ($millions) | 4.7380% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 3,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 3,187 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 83.5735% | 263 |
| Net loans and leases to deposits | 95.9798% | 674 |
| Net loans and leases to core deposits | 100.8734% | 1,021 |
| Total domestic deposits to total assets | 87.0741% | 2,775 |
| Equity capital to assets | 12.8294% | 1,409 |
| Core capital (leverage) ratio | 13.5303% | 966 |
| Tier 1 risk-based capital ratio | 14.8485% | 3,876 |
| Total risk-based capital ratio | 16.1013% | 3,839 |
| Memoranda: | ||
| Average total assets | $31,929,330 | 6,606 |
| Average earning assets | $30,880,670 | 6,540 |
| Average equity | $4,118,330 | 6,424 |
| Average total loans | $26,653,330 | 5,995 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 619 |
| Cost of funding earning assets | 0.9918% | 640 |
| Net interest margin | 4.1922% | 1,211 |
| Noninterest income to average assets | 1.5075% | 682 |
| Noninterest expense to average assets | 3.0788% | 2,738 |
| Loan and lease loss provision to assets | 0.0128% | 4,294 |
| Net operating income to assets | 2.4656% | 164 |
| Return on assets (ROA) | 2.4656% | 176 |
| Pretax return on assets | 2.4656% | 281 |
| Return on Equity (ROE) | 19.0617% | 355 |
| Retained earnings to average equity (ytd only) | 19.0617% | 166 |
| Net charge-offs to loans | -0.0463% | 6,098 |
| Credit loss provision to net charge-offs | -33.3333% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4023% | 6,120 |
| Assets per employee ($millions) | 4.4700% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 3,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 3,222 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 82.9019% | 243 |
| Net loans and leases to deposits | 95.7337% | 558 |
| Net loans and leases to core deposits | 100.9378% | 892 |
| Total domestic deposits to total assets | 86.5964% | 3,181 |
| Equity capital to assets | 13.2534% | 1,318 |
| Core capital (leverage) ratio | 13.1077% | 1,073 |
| Tier 1 risk-based capital ratio | 15.4238% | 3,576 |
| Total risk-based capital ratio | 16.6772% | 3,532 |
| Memoranda: | ||
| Average total assets | $31,311,000 | 6,681 |
| Average earning assets | $30,247,000 | 6,615 |
| Average equity | $4,050,000 | 6,500 |
| Average total loans | $25,914,000 | 6,075 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 860 |
| Cost of funding earning assets | 1.0966% | 919 |
| Net interest margin | 4.2378% | 1,552 |
| Noninterest income to average assets | 0.0441% | 6,713 |
| Noninterest expense to average assets | 3.6818% | 1,450 |
| Loan and lease loss provision to assets | 0.0472% | 5,242 |
| Net operating income to assets | 0.3559% | 5,271 |
| Return on assets (ROA) | 0.3559% | 5,500 |
| Pretax return on assets | 0.3559% | 5,697 |
| Return on Equity (ROE) | 2.9050% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.9050% | 4,187 |
| Net charge-offs to loans | 0.9416% | 1,178 |
| Credit loss provision to net charge-offs | 6.1728% | 5,431 |
| Earnings coverage of net charge-offs (x) | 0.5267% | 5,224 |
| Efficiency ratio | 90.1311% | 1,059 |
| Assets per employee ($millions) | 4.4760% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6095% | 3,270 |
| Loan loss allowance to noncurrent loans | 210.2564% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 2.3171% | 2,120 |
| Noncurrent loans to loans | 0.7655% | 4,652 |
| Net loans and leases to total assets | 79.9949% | 472 |
| Net loans and leases to deposits | 91.6786% | 938 |
| Net loans and leases to core deposits | 99.8804% | 1,036 |
| Total domestic deposits to total assets | 87.2558% | 2,672 |
| Equity capital to assets | 12.6165% | 1,631 |
| Core capital (leverage) ratio | 12.3701% | 1,373 |
| Tier 1 risk-based capital ratio | 15.1543% | 3,634 |
| Total risk-based capital ratio | 16.4079% | 3,580 |
| Memoranda: | ||
| Average total assets | $31,750,800 | 6,713 |
| Average earning assets | $30,275,000 | 6,656 |
| Average equity | $3,889,800 | 6,594 |
| Average total loans | $25,805,800 | 6,151 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 931 |
| Cost of funding earning assets | 1.0999% | 1,065 |
| Net interest margin | 4.2457% | 1,608 |
| Noninterest income to average assets | 0.0377% | 6,844 |
| Noninterest expense to average assets | 3.8548% | 1,123 |
| Loan and lease loss provision to assets | 0.0628% | 4,923 |
| Net operating income to assets | 0.1591% | 6,010 |
| Return on assets (ROA) | 0.1591% | 6,164 |
| Pretax return on assets | 0.1591% | 6,185 |
| Return on Equity (ROE) | 1.3080% | 6,191 |
| Retained earnings to average equity (ytd only) | 1.3080% | 5,651 |
| Net charge-offs to loans | -0.1854% | 6,975 |
| Credit loss provision to net charge-offs | -41.6667% | 6,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5585% | 742 |
| Assets per employee ($millions) | 4.6007% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6885% | 994 |
| Loan loss allowance to noncurrent loans | 102.6826% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 4.1391% | 1,158 |
| Noncurrent loans to loans | 2.6182% | 2,176 |
| Net loans and leases to total assets | 77.4383% | 801 |
| Net loans and leases to deposits | 88.2016% | 1,324 |
| Net loans and leases to core deposits | 95.7829% | 1,428 |
| Total domestic deposits to total assets | 87.7969% | 2,174 |
| Equity capital to assets | 12.0416% | 2,220 |
| Core capital (leverage) ratio | 12.0237% | 1,639 |
| Tier 1 risk-based capital ratio | 14.6877% | 4,061 |
| Total risk-based capital ratio | 15.9527% | 4,010 |
| Memoranda: | ||
| Average total assets | $31,855,500 | 6,797 |
| Average earning assets | $30,304,500 | 6,742 |
| Average equity | $3,874,000 | 6,679 |
| Average total loans | $25,888,750 | 6,221 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3974% | 872 |
| Cost of funding earning assets | 1.1167% | 1,141 |
| Net interest margin | 4.2807% | 1,519 |
| Noninterest income to average assets | 0.0252% | 6,933 |
| Noninterest expense to average assets | 3.6422% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4411% | 5,073 |
| Return on assets (ROA) | 0.4411% | 5,299 |
| Pretax return on assets | 0.4411% | 5,595 |
| Return on Equity (ROE) | 3.6151% | 5,433 |
| Retained earnings to average equity (ytd only) | 3.6151% | 4,191 |
| Net charge-offs to loans | -0.2772% | 7,059 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1975% | 1,134 |
| Assets per employee ($millions) | 4.4827% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6029% | 1,148 |
| Loan loss allowance to noncurrent loans | 99.1176% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 4.3755% | 1,139 |
| Noncurrent loans to loans | 2.6261% | 2,288 |
| Net loans and leases to total assets | 80.3722% | 466 |
| Net loans and leases to deposits | 91.9800% | 953 |
| Net loans and leases to core deposits | 97.9912% | 1,276 |
| Total domestic deposits to total assets | 87.3801% | 2,547 |
| Equity capital to assets | 12.4606% | 1,842 |
| Core capital (leverage) ratio | 12.2917% | 1,449 |
| Tier 1 risk-based capital ratio | 14.5137% | 4,093 |
| Total risk-based capital ratio | 15.7795% | 4,047 |
| Memoranda: | ||
| Average total assets | $31,739,000 | 6,851 |
| Average earning assets | $30,088,330 | 6,792 |
| Average equity | $3,872,670 | 6,720 |
| Average total loans | $25,975,670 | 6,263 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4916% | 769 |
| Cost of funding earning assets | 1.1302% | 1,251 |
| Net interest margin | 4.3613% | 1,309 |
| Noninterest income to average assets | 0.1504% | 6,490 |
| Noninterest expense to average assets | 3.8222% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4386% | 5,092 |
| Return on assets (ROA) | 0.4386% | 5,283 |
| Pretax return on assets | 0.4386% | 5,618 |
| Return on Equity (ROE) | 3.6326% | 5,448 |
| Retained earnings to average equity (ytd only) | 3.6326% | 4,399 |
| Net charge-offs to loans | -0.1230% | 6,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7059% | 1,123 |
| Assets per employee ($millions) | 4.6537% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4912% | 1,372 |
| Loan loss allowance to noncurrent loans | 93.0836% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 5.4334% | 911 |
| Noncurrent loans to loans | 2.6763% | 2,433 |
| Net loans and leases to total assets | 77.6185% | 624 |
| Net loans and leases to deposits | 88.2979% | 1,130 |
| Net loans and leases to core deposits | 93.7871% | 1,486 |
| Total domestic deposits to total assets | 87.9052% | 2,387 |
| Equity capital to assets | 11.8953% | 2,115 |
| Core capital (leverage) ratio | 11.9876% | 1,598 |
| Tier 1 risk-based capital ratio | 14.2051% | 4,312 |
| Total risk-based capital ratio | 15.4698% | 4,274 |
| Memoranda: | ||
| Average total assets | $31,919,000 | 6,902 |
| Average earning assets | $30,082,500 | 6,845 |
| Average equity | $3,854,000 | 6,764 |
| Average total loans | $26,016,500 | 6,308 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8399% | 589 |
| Cost of funding earning assets | 1.4761% | 787 |
| Net interest margin | 4.3638% | 1,501 |
| Noninterest income to average assets | 0.4915% | 3,909 |
| Noninterest expense to average assets | 3.5528% | 1,856 |
| Loan and lease loss provision to assets | 0.3257% | 3,080 |
| Net operating income to assets | 0.6217% | 3,878 |
| Return on assets (ROA) | 0.6217% | 4,076 |
| Pretax return on assets | 0.6217% | 4,626 |
| Return on Equity (ROE) | 5.6276% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.6276% | 2,227 |
| Net charge-offs to loans | 1.3812% | 1,185 |
| Credit loss provision to net charge-offs | 29.2553% | 5,794 |
| Earnings coverage of net charge-offs (x) | 0.8511% | 5,162 |
| Efficiency ratio | 78.9474% | 2,461 |
| Assets per employee ($millions) | 4.4660% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4443% | 1,391 |
| Loan loss allowance to noncurrent loans | 258.2996% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 4.8174% | 1,121 |
| Noncurrent loans to loans | 0.9463% | 4,812 |
| Net loans and leases to total assets | 81.4535% | 377 |
| Net loans and leases to deposits | 93.4287% | 855 |
| Net loans and leases to core deposits | 97.6193% | 1,363 |
| Total domestic deposits to total assets | 87.1825% | 2,654 |
| Equity capital to assets | 12.2609% | 1,935 |
| Core capital (leverage) ratio | 12.2394% | 1,470 |
| Tier 1 risk-based capital ratio | 13.9896% | 4,332 |
| Total risk-based capital ratio | 15.2524% | 4,280 |
| Memoranda: | ||
| Average total assets | $33,776,600 | 6,865 |
| Average earning assets | $31,028,000 | 6,837 |
| Average equity | $3,731,600 | 6,818 |
| Average total loans | $27,223,200 | 6,280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9330% | 527 |
| Cost of funding earning assets | 1.5850% | 621 |
| Net interest margin | 4.3481% | 1,566 |
| Noninterest income to average assets | 0.5115% | 3,783 |
| Noninterest expense to average assets | 3.4723% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0153% | 2,265 |
| Return on assets (ROA) | 1.0153% | 2,424 |
| Pretax return on assets | 1.0153% | 3,352 |
| Return on Equity (ROE) | 9.4252% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.4252% | 1,003 |
| Net charge-offs to loans | 1.5077% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.8424% | 4,981 |
| Efficiency ratio | 77.3748% | 2,632 |
| Assets per employee ($millions) | 5.5318% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2716% | 1,733 |
| Loan loss allowance to noncurrent loans | 223.7736% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 6.0800% | 875 |
| Noncurrent loans to loans | 1.0151% | 4,863 |
| Net loans and leases to total assets | 76.8642% | 861 |
| Net loans and leases to deposits | 87.3011% | 1,522 |
| Net loans and leases to core deposits | 96.7977% | 1,524 |
| Total domestic deposits to total assets | 88.0450% | 2,013 |
| Equity capital to assets | 11.7050% | 2,486 |
| Core capital (leverage) ratio | 11.6251% | 1,939 |
| Tier 1 risk-based capital ratio | 14.0141% | 4,343 |
| Total risk-based capital ratio | 14.8871% | 4,594 |
| Memoranda: | ||
| Average total assets | $34,405,250 | 6,910 |
| Average earning assets | $31,461,500 | 6,890 |
| Average equity | $3,706,250 | 6,882 |
| Average total loans | $27,503,500 | 6,329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9380% | 535 |
| Cost of funding earning assets | 1.6722% | 524 |
| Net interest margin | 4.2658% | 1,786 |
| Noninterest income to average assets | 0.2585% | 5,800 |
| Noninterest expense to average assets | 3.5220% | 1,927 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6205% | 3,955 |
| Return on assets (ROA) | 0.6205% | 4,082 |
| Pretax return on assets | 0.6205% | 4,672 |
| Return on Equity (ROE) | 5.9232% | 4,009 |
| Retained earnings to average equity (ytd only) | 5.9232% | 2,480 |
| Net charge-offs to loans | 2.2238% | 580 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.3473% | 5,048 |
| Efficiency ratio | 85.0208% | 1,703 |
| Assets per employee ($millions) | 5.4870% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1433% | 2,021 |
| Loan loss allowance to noncurrent loans | 211.4286% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 6.7827% | 771 |
| Noncurrent loans to loans | 1.0137% | 4,967 |
| Net loans and leases to total assets | 82.1001% | 363 |
| Net loans and leases to deposits | 92.8226% | 968 |
| Net loans and leases to core deposits | 106.2461% | 917 |
| Total domestic deposits to total assets | 88.4485% | 1,883 |
| Equity capital to assets | 11.3359% | 2,655 |
| Core capital (leverage) ratio | 10.9305% | 2,315 |
| Tier 1 risk-based capital ratio | 12.8010% | 5,094 |
| Total risk-based capital ratio | 13.5659% | 5,482 |
| Memoranda: | ||
| Average total assets | $34,810,000 | 6,966 |
| Average earning assets | $31,694,000 | 6,945 |
| Average equity | $3,646,670 | 6,941 |
| Average total loans | $27,969,670 | 6,368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 616 |
| Cost of funding earning assets | 1.7682% | 423 |
| Net interest margin | 4.1175% | 2,202 |
| Noninterest income to average assets | 0.2126% | 6,213 |
| Noninterest expense to average assets | 4.3743% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4363% | 6,765 |
| Return on assets (ROA) | -0.4363% | 6,775 |
| Pretax return on assets | -0.4363% | 6,720 |
| Return on Equity (ROE) | -4.3285% | 6,771 |
| Retained earnings to average equity (ytd only) | -4.3285% | 6,461 |
| Net charge-offs to loans | 3.2547% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1703% | 4,679 |
| Efficiency ratio | 111.0795% | 479 |
| Assets per employee ($millions) | 7.0598% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4434% | 1,545 |
| Loan loss allowance to noncurrent loans | 155.1724% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 9.1957% | 470 |
| Noncurrent loans to loans | 1.5747% | 4,115 |
| Net loans and leases to total assets | 76.3478% | 986 |
| Net loans and leases to deposits | 85.2686% | 1,839 |
| Net loans and leases to core deposits | 95.5911% | 1,704 |
| Total domestic deposits to total assets | 89.5379% | 1,461 |
| Equity capital to assets | 10.1561% | 3,586 |
| Core capital (leverage) ratio | 9.8313% | 3,355 |
| Tier 1 risk-based capital ratio | 11.9107% | 5,766 |
| Total risk-based capital ratio | 13.1732% | 5,749 |
| Memoranda: | ||
| Average total assets | $35,754,000 | 6,975 |
| Average earning assets | $32,349,500 | 6,977 |
| Average equity | $3,604,000 | 6,987 |
| Average total loans | $28,144,000 | 6,410 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 1,542 |
| Cost of funding earning assets | 1.9521% | 721 |
| Net interest margin | 3.7556% | 4,129 |
| Noninterest income to average assets | -0.8379% | 7,609 |
| Noninterest expense to average assets | 3.4260% | 2,365 |
| Loan and lease loss provision to assets | 0.7508% | 2,185 |
| Net operating income to assets | -1.6235% | 6,952 |
| Return on assets (ROA) | -1.6086% | 6,964 |
| Pretax return on assets | -1.6086% | 6,896 |
| Return on Equity (ROE) | -16.4900% | 6,963 |
| Retained earnings to average equity (ytd only) | -16.4900% | 6,930 |
| Net charge-offs to loans | 0.4358% | 3,874 |
| Credit loss provision to net charge-offs | 225.3731% | 1,319 |
| Earnings coverage of net charge-offs (x) | -2.6194% | 6,731 |
| Efficiency ratio | 134.1772% | 287 |
| Assets per employee ($millions) | 6.0348% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1539% | 764 |
| Loan loss allowance to noncurrent loans | 65.5547% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 11.6684% | 299 |
| Noncurrent loans to loans | 4.8111% | 1,430 |
| Net loans and leases to total assets | 76.6633% | 1,148 |
| Net loans and leases to deposits | 85.3545% | 2,215 |
| Net loans and leases to core deposits | 94.0186% | 2,250 |
| Total domestic deposits to total assets | 89.8174% | 1,200 |
| Equity capital to assets | 10.0058% | 3,739 |
| Core capital (leverage) ratio | 9.0266% | 4,494 |
| Tier 1 risk-based capital ratio | 11.6103% | 5,807 |
| Total risk-based capital ratio | 12.8793% | 5,796 |
| Memoranda: | ||
| Average total assets | $40,221,600 | 6,862 |
| Average earning assets | $36,319,400 | 6,864 |
| Average equity | $3,923,600 | 7,021 |
| Average total loans | $30,746,800 | 6,360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6141% | 2,017 |
| Cost of funding earning assets | 1.8988% | 1,033 |
| Net interest margin | 3.7152% | 4,329 |
| Noninterest income to average assets | -1.0511% | 7,731 |
| Noninterest expense to average assets | 3.6062% | 1,776 |
| Loan and lease loss provision to assets | 0.9767% | 1,529 |
| Net operating income to assets | -2.2801% | 7,297 |
| Return on assets (ROA) | -2.2801% | 7,315 |
| Pretax return on assets | -2.2801% | 7,267 |
| Return on Equity (ROE) | -23.5068% | 7,287 |
| Retained earnings to average equity (ytd only) | -23.5068% | 7,277 |
| Net charge-offs to loans | 0.5842% | 2,986 |
| Credit loss provision to net charge-offs | 220.4380% | 1,564 |
| Earnings coverage of net charge-offs (x) | -2.9416% | 6,561 |
| Efficiency ratio | 156.6011% | 173 |
| Assets per employee ($millions) | 5.7277% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9438% | 863 |
| Loan loss allowance to noncurrent loans | 41.1792% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 12.6702% | 239 |
| Noncurrent loans to loans | 7.1487% | 768 |
| Net loans and leases to total assets | 74.0909% | 1,782 |
| Net loans and leases to deposits | 81.5897% | 3,174 |
| Net loans and leases to core deposits | 104.3597% | 1,449 |
| Total domestic deposits to total assets | 90.8091% | 516 |
| Equity capital to assets | 8.9290% | 5,669 |
| Core capital (leverage) ratio | 8.4978% | 5,510 |
| Tier 1 risk-based capital ratio | 10.2082% | 6,955 |
| Total risk-based capital ratio | 11.4738% | 6,926 |
| Memoranda: | ||
| Average total assets | $41,224,750 | 6,900 |
| Average earning assets | $37,215,000 | 6,910 |
| Average equity | $3,998,750 | 7,095 |
| Average total loans | $31,267,750 | 6,426 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 1,829 |
| Cost of funding earning assets | 1.8598% | 1,381 |
| Net interest margin | 3.8212% | 3,804 |
| Noninterest income to average assets | -0.4807% | 7,745 |
| Noninterest expense to average assets | 3.6874% | 1,577 |
| Loan and lease loss provision to assets | 0.5721% | 2,487 |
| Net operating income to assets | -1.3028% | 7,068 |
| Return on assets (ROA) | -1.3028% | 7,085 |
| Pretax return on assets | -1.3028% | 7,013 |
| Return on Equity (ROE) | -13.0971% | 7,081 |
| Retained earnings to average equity (ytd only) | -13.0971% | 7,040 |
| Net charge-offs to loans | 0.8765% | 2,082 |
| Credit loss provision to net charge-offs | 86.2319% | 4,540 |
| Earnings coverage of net charge-offs (x) | -1.1014% | 6,134 |
| Efficiency ratio | 124.7154% | 356 |
| Assets per employee ($millions) | 6.1813% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3861% | 1,444 |
| Loan loss allowance to noncurrent loans | 64.3049% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 9.7922% | 425 |
| Noncurrent loans to loans | 3.7106% | 2,107 |
| Net loans and leases to total assets | 67.7899% | 3,427 |
| Net loans and leases to deposits | 74.8399% | 4,541 |
| Net loans and leases to core deposits | 95.0024% | 2,591 |
| Total domestic deposits to total assets | 90.5799% | 650 |
| Equity capital to assets | 9.2560% | 5,064 |
| Core capital (leverage) ratio | 9.4644% | 3,869 |
| Tier 1 risk-based capital ratio | 11.1863% | 6,052 |
| Total risk-based capital ratio | 12.4451% | 6,028 |
| Memoranda: | ||
| Average total assets | $41,601,670 | 6,943 |
| Average earning assets | $37,422,670 | 6,952 |
| Average equity | $4,138,330 | 7,062 |
| Average total loans | $31,488,000 | 6,462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9065% | 1,190 |
| Cost of funding earning assets | 1.7250% | 2,270 |
| Net interest margin | 4.1815% | 2,114 |
| Noninterest income to average assets | -0.4808% | 7,858 |
| Noninterest expense to average assets | 3.6695% | 1,573 |
| Loan and lease loss provision to assets | 1.1676% | 1,047 |
| Net operating income to assets | -1.5600% | 7,351 |
| Return on assets (ROA) | -1.5600% | 7,355 |
| Pretax return on assets | -1.5600% | 7,278 |
| Return on Equity (ROE) | -15.1249% | 7,314 |
| Retained earnings to average equity (ytd only) | -15.1249% | 7,213 |
| Net charge-offs to loans | 1.7263% | 1,003 |
| Credit loss provision to net charge-offs | 85.6115% | 3,757 |
| Earnings coverage of net charge-offs (x) | -0.2878% | 5,203 |
| Efficiency ratio | 111.9760% | 561 |
| Assets per employee ($millions) | 6.0763% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2606% | 1,641 |
| Loan loss allowance to noncurrent loans | 91.2102% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 9.4419% | 445 |
| Noncurrent loans to loans | 2.4785% | 3,191 |
| Net loans and leases to total assets | 72.7818% | 2,269 |
| Net loans and leases to deposits | 80.8382% | 3,488 |
| Net loans and leases to core deposits | 112.6610% | 1,120 |
| Total domestic deposits to total assets | 90.0339% | 972 |
| Equity capital to assets | 9.7122% | 4,211 |
| Core capital (leverage) ratio | 10.2455% | 2,876 |
| Tier 1 risk-based capital ratio | 11.1105% | 6,049 |
| Total risk-based capital ratio | 12.3699% | 6,011 |
| Memoranda: | ||
| Average total assets | $40,768,000 | 7,062 |
| Average earning assets | $36,637,500 | 7,074 |
| Average equity | $4,205,000 | 7,110 |
| Average total loans | $32,207,500 | 6,505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0663% | 1,616 |
| Cost of funding earning assets | 2.2251% | 1,920 |
| Net interest margin | 3.8412% | 3,526 |
| Noninterest income to average assets | -0.0690% | 7,778 |
| Noninterest expense to average assets | 3.5603% | 2,244 |
| Loan and lease loss provision to assets | 2.8924% | 624 |
| Net operating income to assets | -3.0056% | 7,392 |
| Return on assets (ROA) | -2.8565% | 7,370 |
| Pretax return on assets | -2.8565% | 7,255 |
| Return on Equity (ROE) | -22.5707% | 7,220 |
| Retained earnings to average equity (ytd only) | -22.5707% | 7,194 |
| Net charge-offs to loans | 2.6313% | 856 |
| Credit loss provision to net charge-offs | 127.4939% | 4,061 |
| Earnings coverage of net charge-offs (x) | -0.0499% | 6,273 |
| Efficiency ratio | 103.2826% | 970 |
| Assets per employee ($millions) | 4.8753% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2479% | 1,565 |
| Loan loss allowance to noncurrent loans | 45.9426% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 10.9789% | 306 |
| Noncurrent loans to loans | 4.8928% | 1,394 |
| Net loans and leases to total assets | 82.0625% | 677 |
| Net loans and leases to deposits | 92.3481% | 1,840 |
| Net loans and leases to core deposits | 117.6561% | 2,164 |
| Total domestic deposits to total assets | 88.8621% | 1,539 |
| Equity capital to assets | 10.9712% | 2,725 |
| Core capital (leverage) ratio | 11.0590% | 2,195 |
| Tier 1 risk-based capital ratio | 11.4881% | 5,400 |
| Total risk-based capital ratio | 12.7472% | 5,358 |
| Memoranda: | ||
| Average total assets | $36,232,600 | 7,235 |
| Average earning assets | $33,166,600 | 7,223 |
| Average equity | $4,585,600 | 7,086 |
| Average total loans | $31,239,400 | 6,568 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0117% | 1,987 |
| Cost of funding earning assets | 2.4031% | 1,625 |
| Net interest margin | 3.6087% | 4,447 |
| Noninterest income to average assets | 0.1125% | 7,331 |
| Noninterest expense to average assets | 3.5902% | 2,042 |
| Loan and lease loss provision to assets | 3.4889% | 378 |
| Net operating income to assets | -3.6540% | 7,706 |
| Return on assets (ROA) | -3.4514% | 7,688 |
| Pretax return on assets | -3.4514% | 7,604 |
| Return on Equity (ROE) | -26.3100% | 7,536 |
| Retained earnings to average equity (ytd only) | -26.3100% | 7,518 |
| Net charge-offs to loans | 2.9203% | 589 |
| Credit loss provision to net charge-offs | 137.5740% | 3,599 |
| Earnings coverage of net charge-offs (x) | -0.0651% | 6,144 |
| Efficiency ratio | 104.8193% | 887 |
| Assets per employee ($millions) | 4.4358% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4144% | 1,155 |
| Loan loss allowance to noncurrent loans | 32.6775% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 12.7431% | 193 |
| Noncurrent loans to loans | 7.3884% | 703 |
| Net loans and leases to total assets | 87.0202% | 272 |
| Net loans and leases to deposits | 99.6065% | 1,141 |
| Net loans and leases to core deposits | 123.8023% | 1,921 |
| Total domestic deposits to total assets | 87.3640% | 1,972 |
| Equity capital to assets | 12.3711% | 2,020 |
| Core capital (leverage) ratio | 11.8478% | 1,870 |
| Tier 1 risk-based capital ratio | 12.4733% | 4,565 |
| Total risk-based capital ratio | 13.7335% | 4,508 |
| Memoranda: | ||
| Average total assets | $35,540,250 | 7,320 |
| Average earning assets | $32,624,250 | 7,301 |
| Average equity | $4,662,250 | 7,123 |
| Average total loans | $30,863,750 | 6,633 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0672% | 1,914 |
| Cost of funding earning assets | 2.5923% | 1,305 |
| Net interest margin | 3.4748% | 4,918 |
| Noninterest income to average assets | 0.1350% | 7,285 |
| Noninterest expense to average assets | 3.6053% | 2,062 |
| Loan and lease loss provision to assets | 0.0169% | 7,057 |
| Net operating income to assets | -0.2981% | 6,325 |
| Return on assets (ROA) | -0.2981% | 6,339 |
| Pretax return on assets | -0.2981% | 6,237 |
| Return on Equity (ROE) | -2.2302% | 6,257 |
| Retained earnings to average equity (ytd only) | -2.2302% | 5,796 |
| Net charge-offs to loans | 0.4052% | 3,173 |
| Credit loss provision to net charge-offs | 4.8387% | 6,220 |
| Earnings coverage of net charge-offs (x) | -0.8065% | 6,177 |
| Efficiency ratio | 108.4602% | 894 |
| Assets per employee ($millions) | 5.1833% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 3,635 |
| Loan loss allowance to noncurrent loans | 26.7180% | 6,718 |
| Noncurrent assets plus other real estate owned to assets | 10.0460% | 290 |
| Noncurrent loans to loans | 5.3082% | 1,120 |
| Net loans and leases to total assets | 86.4013% | 342 |
| Net loans and leases to deposits | 99.6440% | 1,322 |
| Net loans and leases to core deposits | 122.2660% | 2,186 |
| Total domestic deposits to total assets | 86.7100% | 2,399 |
| Equity capital to assets | 13.0943% | 1,659 |
| Core capital (leverage) ratio | 13.0714% | 1,408 |
| Tier 1 risk-based capital ratio | 13.1837% | 4,012 |
| Total risk-based capital ratio | 14.4352% | 3,931 |
| Memoranda: | ||
| Average total assets | $35,558,330 | 7,386 |
| Average earning assets | $32,634,670 | 7,371 |
| Average equity | $4,753,000 | 7,150 |
| Average total loans | $30,603,670 | 6,698 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 3,795 |
| Cost of funding earning assets | 2.8386% | 896 |
| Net interest margin | 2.8635% | 6,848 |
| Noninterest income to average assets | 0.2159% | 6,749 |
| Noninterest expense to average assets | 3.5118% | 2,070 |
| Loan and lease loss provision to assets | 0.0341% | 6,513 |
| Net operating income to assets | -0.7160% | 7,071 |
| Return on assets (ROA) | -0.7160% | 7,108 |
| Pretax return on assets | -0.7160% | 6,979 |
| Return on Equity (ROE) | -5.3008% | 7,000 |
| Retained earnings to average equity (ytd only) | -5.3008% | 6,593 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0964% | 582 |
| Assets per employee ($millions) | 4.9709% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 2,208 |
| Loan loss allowance to noncurrent loans | 34.4758% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 9.9006% | 231 |
| Noncurrent loans to loans | 4.8745% | 1,122 |
| Net loans and leases to total assets | 86.2542% | 406 |
| Net loans and leases to deposits | 100.0300% | 1,403 |
| Net loans and leases to core deposits | 114.8120% | 2,924 |
| Total domestic deposits to total assets | 86.2283% | 2,599 |
| Equity capital to assets | 13.5677% | 1,506 |
| Core capital (leverage) ratio | 12.9030% | 1,515 |
| Tier 1 risk-based capital ratio | 14.0725% | 3,542 |
| Total risk-based capital ratio | 15.3276% | 3,467 |
| Memoranda: | ||
| Average total assets | $35,196,000 | 7,438 |
| Average earning assets | $32,129,000 | 7,433 |
| Average equity | $4,754,000 | 7,206 |
| Average total loans | $30,005,500 | 6,762 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7950% | 6,450 |
| Cost of funding earning assets | 3.0658% | 1,618 |
| Net interest margin | 2.7292% | 7,447 |
| Noninterest income to average assets | 0.1925% | 7,078 |
| Noninterest expense to average assets | 4.6331% | 796 |
| Loan and lease loss provision to assets | 0.9286% | 1,600 |
| Net operating income to assets | -2.7961% | 7,777 |
| Return on assets (ROA) | -2.7961% | 7,749 |
| Pretax return on assets | -2.7961% | 7,659 |
| Return on Equity (ROE) | -16.9111% | 7,662 |
| Retained earnings to average equity (ytd only) | -16.9111% | 7,563 |
| Net charge-offs to loans | 0.3645% | 3,015 |
| Credit loss provision to net charge-offs | 286.4583% | 1,584 |
| Earnings coverage of net charge-offs (x) | -5.7604% | 6,850 |
| Efficiency ratio | 167.5214% | 286 |
| Assets per employee ($millions) | 5.0851% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 1,826 |
| Loan loss allowance to noncurrent loans | 35.4659% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 9.2848% | 202 |
| Noncurrent loans to loans | 4.8771% | 923 |
| Net loans and leases to total assets | 81.3996% | 1,338 |
| Net loans and leases to deposits | 94.2154% | 2,726 |
| Net loans and leases to core deposits | 107.6217% | 4,012 |
| Total domestic deposits to total assets | 86.3973% | 2,219 |
| Equity capital to assets | 13.4481% | 1,613 |
| Core capital (leverage) ratio | 14.2459% | 1,207 |
| Tier 1 risk-based capital ratio | 14.1128% | 3,492 |
| Total risk-based capital ratio | 15.2075% | 3,486 |
| Memoranda: | ||
| Average total assets | $29,613,200 | 7,665 |
| Average earning assets | $27,920,600 | 7,619 |
| Average equity | $4,896,200 | 7,178 |
| Average total loans | $26,340,400 | 6,943 |