Home > Washington Business Bank > Performance and Condition Ratios
Washington Business Bank, Performance and Condition Ratios
| 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 | 6.6914% | 547 |
| Cost of funding earning assets | 1.9237% | 2,404 |
| Net interest margin | 4.7677% | 450 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 2.9078% | 1,234 |
| Loan and lease loss provision to assets | -0.0900% | 4,377 |
| Net operating income to assets | 1.5093% | 927 |
| Return on assets (ROA) | 1.5093% | 927 |
| Pretax return on assets | 1.9100% | 743 |
| Return on Equity (ROE) | 9.3300% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.3329% | 1,019 |
| Net charge-offs to loans | -0.0015% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 61.5342% | 2,992 |
| Assets per employee ($millions) | 7.7643% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 4,065 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 86.5900% | 128 |
| Net loans and leases to deposits | 119.1379% | 80 |
| Net loans and leases to core deposits | 128.6521% | 411 |
| Total domestic deposits to total assets | 72.6800% | 4,140 |
| Equity capital to assets | 18.3866% | 325 |
| Core capital (leverage) ratio | 17.3572% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7565% | 439 |
| Memoranda: | ||
| Average total assets | $101,149,500 | 3,781 |
| Average earning assets | $97,794,000 | 3,730 |
| Average equity | $16,357,500 | 3,231 |
| Average total loans | $88,499,000 | 3,328 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6336% | 546 |
| Cost of funding earning assets | 1.9115% | 2,331 |
| Net interest margin | 4.7221% | 470 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 2.9631% | 1,148 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2716% | 1,321 |
| Return on assets (ROA) | 1.2716% | 1,325 |
| Pretax return on assets | 1.6107% | 1,110 |
| Return on Equity (ROE) | 8.2000% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.1989% | 1,317 |
| Net charge-offs to loans | -0.0022% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.1882% | 2,868 |
| Assets per employee ($millions) | 8.4650% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7880% | 3,961 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 87.6300% | 89 |
| Net loans and leases to deposits | 114.7215% | 142 |
| Net loans and leases to core deposits | 130.6979% | 392 |
| Total domestic deposits to total assets | 76.3900% | 3,866 |
| Equity capital to assets | 16.3644% | 447 |
| Core capital (leverage) ratio | 16.0455% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6892% | 616 |
| Memoranda: | ||
| Average total assets | $103,809,000 | 3,772 |
| Average earning assets | $100,548,000 | 3,724 |
| Average equity | $16,099,667 | 3,232 |
| Average total loans | $90,911,667 | 3,308 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5357% | 547 |
| Cost of funding earning assets | 1.8572% | 2,350 |
| Net interest margin | 4.6785% | 475 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 3.1299% | 922 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.1894% | 1,467 |
| Return on assets (ROA) | 1.1894% | 1,470 |
| Pretax return on assets | 1.5059% | 1,239 |
| Return on Equity (ROE) | 7.8800% | 2,726 |
| Retained earnings to average equity (ytd only) | 7.8798% | 1,582 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.3503% | 2,450 |
| Assets per employee ($millions) | 8.0772% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,028 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 86.0800% | 156 |
| Net loans and leases to deposits | 109.5990% | 202 |
| Net loans and leases to core deposits | 123.3039% | 536 |
| Total domestic deposits to total assets | 78.5400% | 3,729 |
| Equity capital to assets | 15.2556% | 529 |
| Core capital (leverage) ratio | 15.3376% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0448% | 688 |
| Memoranda: | ||
| Average total assets | $104,923,500 | 3,784 |
| Average earning assets | $101,657,000 | 3,732 |
| Average equity | $15,838,000 | 3,258 |
| Average total loans | $91,505,500 | 3,303 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0050% | 629 |
| Cost of funding earning assets | 1.1713% | 2,884 |
| Net interest margin | 4.8338% | 399 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.8363% | 1,416 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.5450% | 945 |
| Return on assets (ROA) | 1.5450% | 914 |
| Pretax return on assets | 1.9561% | 714 |
| Return on Equity (ROE) | 10.5600% | 2,346 |
| Retained earnings to average equity (ytd only) | 10.5605% | 889 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.0016% | 3,185 |
| Assets per employee ($millions) | 8.0648% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 4,060 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 87.0400% | 115 |
| Net loans and leases to deposits | 114.1230% | 134 |
| Net loans and leases to core deposits | 125.4847% | 496 |
| Total domestic deposits to total assets | 76.2700% | 3,923 |
| Equity capital to assets | 14.9338% | 558 |
| Core capital (leverage) ratio | 15.2314% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4255% | 741 |
| Memoranda: | ||
| Average total assets | $101,681,200 | 3,815 |
| Average earning assets | $98,184,200 | 3,761 |
| Average equity | $14,876,200 | 3,280 |
| Average total loans | $88,168,400 | 3,316 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8239% | 659 |
| Cost of funding earning assets | 1.0339% | 2,944 |
| Net interest margin | 4.7901% | 414 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.8334% | 1,360 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.4973% | 1,132 |
| Return on assets (ROA) | 1.4973% | 1,114 |
| Pretax return on assets | 1.8951% | 863 |
| Return on Equity (ROE) | 10.2900% | 2,560 |
| Retained earnings to average equity (ytd only) | 10.2897% | 1,325 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.7881% | 2,990 |
| Assets per employee ($millions) | 7.9942% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 4,065 |
| Loan loss allowance to noncurrent loans | 234.6021% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 1,894 |
| Noncurrent loans to loans | 0.3207% | 2,082 |
| Net loans and leases to total assets | 86.0500% | 153 |
| Net loans and leases to deposits | 108.6766% | 230 |
| Net loans and leases to core deposits | 120.7176% | 534 |
| Total domestic deposits to total assets | 79.1800% | 3,659 |
| Equity capital to assets | 14.6290% | 572 |
| Core capital (leverage) ratio | 14.8328% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3429% | 778 |
| Memoranda: | ||
| Average total assets | $100,890,750 | 3,840 |
| Average earning assets | $97,365,750 | 3,784 |
| Average equity | $14,681,000 | 3,291 |
| Average total loans | $87,225,500 | 3,332 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6770% | 659 |
| Cost of funding earning assets | 0.8341% | 3,116 |
| Net interest margin | 4.8429% | 381 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.8354% | 1,351 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5338% | 1,046 |
| Return on assets (ROA) | 1.5338% | 1,041 |
| Pretax return on assets | 1.9403% | 819 |
| Return on Equity (ROE) | 10.5600% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.5604% | 1,267 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.1726% | 3,057 |
| Assets per employee ($millions) | 7.9910% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 4,092 |
| Loan loss allowance to noncurrent loans | 234.6021% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 1,809 |
| Noncurrent loans to loans | 0.3223% | 1,980 |
| Net loans and leases to total assets | 85.6500% | 171 |
| Net loans and leases to deposits | 107.5080% | 262 |
| Net loans and leases to core deposits | 114.6755% | 662 |
| Total domestic deposits to total assets | 79.6700% | 3,618 |
| Equity capital to assets | 14.2227% | 620 |
| Core capital (leverage) ratio | 14.6438% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0241% | 812 |
| Memoranda: | ||
| Average total assets | $99,879,667 | 3,859 |
| Average earning assets | $96,389,333 | 3,810 |
| Average equity | $14,507,000 | 3,311 |
| Average total loans | $86,264,667 | 3,344 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5283% | 593 |
| Cost of funding earning assets | 0.5634% | 3,490 |
| Net interest margin | 4.9648% | 309 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.9057% | 1,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5856% | 1,010 |
| Return on assets (ROA) | 1.5856% | 1,006 |
| Pretax return on assets | 2.0066% | 772 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.7980% | 1,515 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.1514% | 3,057 |
| Assets per employee ($millions) | 7.7402% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,121 |
| Loan loss allowance to noncurrent loans | 224.8322% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 1,684 |
| Noncurrent loans to loans | 0.3473% | 1,899 |
| Net loans and leases to total assets | 84.6000% | 199 |
| Net loans and leases to deposits | 107.0605% | 228 |
| Net loans and leases to core deposits | 109.2114% | 728 |
| Total domestic deposits to total assets | 79.0200% | 3,897 |
| Equity capital to assets | 14.4768% | 536 |
| Core capital (leverage) ratio | 14.9500% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3849% | 798 |
| Memoranda: | ||
| Average total assets | $97,878,000 | 3,924 |
| Average earning assets | $94,424,000 | 3,877 |
| Average equity | $14,373,000 | 3,357 |
| Average total loans | $84,568,500 | 3,409 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 639 |
| Cost of funding earning assets | 0.2807% | 3,037 |
| Net interest margin | 4.2882% | 440 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.8227% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1455% | 1,991 |
| Return on assets (ROA) | 1.1455% | 1,932 |
| Pretax return on assets | 1.4495% | 1,617 |
| Return on Equity (ROE) | 8.7100% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.7062% | 1,566 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.0718% | 2,221 |
| Assets per employee ($millions) | 7.3179% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 4,019 |
| Loan loss allowance to noncurrent loans | 222.5914% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 1,596 |
| Noncurrent loans to loans | 0.3612% | 1,843 |
| Net loans and leases to total assets | 86.9000% | 111 |
| Net loans and leases to deposits | 106.7329% | 230 |
| Net loans and leases to core deposits | 108.5678% | 658 |
| Total domestic deposits to total assets | 81.4200% | 3,705 |
| Equity capital to assets | 14.9044% | 478 |
| Core capital (leverage) ratio | 14.6627% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0261% | 713 |
| Memoranda: | ||
| Average total assets | $102,313,200 | 3,906 |
| Average earning assets | $99,039,400 | 3,848 |
| Average equity | $13,461,600 | 3,527 |
| Average total loans | $80,134,800 | 3,415 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 696 |
| Cost of funding earning assets | 0.2789% | 2,394 |
| Net interest margin | 4.0430% | 589 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.8085% | 1,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9720% | 2,584 |
| Return on assets (ROA) | 0.9720% | 2,552 |
| Pretax return on assets | 1.2307% | 2,256 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.6190% | 2,145 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.5308% | 1,819 |
| Assets per employee ($millions) | 7.5018% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8377% | 4,011 |
| 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 | 81.3200% | 421 |
| Net loans and leases to deposits | 98.7930% | 413 |
| Net loans and leases to core deposits | 100.3048% | 797 |
| Total domestic deposits to total assets | 82.3200% | 3,785 |
| Equity capital to assets | 14.1001% | 558 |
| Core capital (leverage) ratio | 13.3929% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4108% | 691 |
| Memoranda: | ||
| Average total assets | $104,108,250 | 3,918 |
| Average earning assets | $100,879,250 | 3,857 |
| Average equity | $13,282,250 | 3,586 |
| Average total loans | $79,333,500 | 3,433 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 852 |
| Cost of funding earning assets | 0.2794% | 1,915 |
| Net interest margin | 3.7733% | 796 |
| Noninterest income to average assets | 0.1204% | 4,398 |
| Noninterest expense to average assets | 2.6547% | 1,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8880% | 2,632 |
| Return on assets (ROA) | 0.8880% | 2,605 |
| Pretax return on assets | 1.1251% | 2,322 |
| Return on Equity (ROE) | 7.1918% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.1918% | 1,924 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2339% | 1,925 |
| Assets per employee ($millions) | 7.4403% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 4,027 |
| 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 | 73.2787% | 976 |
| Net loans and leases to deposits | 89.5157% | 746 |
| Net loans and leases to core deposits | 92.4114% | 996 |
| Total domestic deposits to total assets | 81.8613% | 4,024 |
| Equity capital to assets | 12.9104% | 679 |
| Core capital (leverage) ratio | 11.8293% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4674% | 662 |
| Memoranda: | ||
| Average total assets | $106,303,000 | 3,933 |
| Average earning assets | $103,093,000 | 3,880 |
| Average equity | $13,126,000 | 3,670 |
| Average total loans | $79,118,000 | 3,463 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 820 |
| Cost of funding earning assets | 0.2764% | 1,857 |
| Net interest margin | 3.6924% | 757 |
| Noninterest income to average assets | 0.1155% | 4,428 |
| Noninterest expense to average assets | 2.4997% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9462% | 2,087 |
| Return on assets (ROA) | 0.9462% | 2,077 |
| Pretax return on assets | 1.1996% | 1,819 |
| Return on Equity (ROE) | 7.8365% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.8365% | 1,632 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5730% | 2,557 |
| Assets per employee ($millions) | 8.1702% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 4,139 |
| 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 | 73.0814% | 728 |
| Net loans and leases to deposits | 88.4743% | 597 |
| Net loans and leases to core deposits | 90.9263% | 882 |
| Total domestic deposits to total assets | 82.6019% | 4,001 |
| Equity capital to assets | 12.3224% | 854 |
| Core capital (leverage) ratio | 12.2874% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8684% | 777 |
| Memoranda: | ||
| Average total assets | $107,372,500 | 3,942 |
| Average earning assets | $104,214,000 | 3,881 |
| Average equity | $12,965,000 | 3,759 |
| Average total loans | $80,177,000 | 3,456 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 647 |
| Cost of funding earning assets | 0.3807% | 1,679 |
| Net interest margin | 4.0709% | 625 |
| Noninterest income to average assets | 0.1201% | 4,532 |
| Noninterest expense to average assets | 2.3686% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3395% | 1,476 |
| Return on assets (ROA) | 1.3395% | 1,512 |
| Pretax return on assets | 1.6961% | 1,158 |
| Return on Equity (ROE) | 11.5737% | 1,958 |
| Retained earnings to average equity (ytd only) | 11.5737% | 601 |
| Net charge-offs to loans | -0.0012% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2732% | 3,403 |
| Assets per employee ($millions) | 8.3486% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 4,240 |
| Loan loss allowance to noncurrent loans | 2,392.8571% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,869 |
| Noncurrent loans to loans | 0.0341% | 3,833 |
| Net loans and leases to total assets | 74.9936% | 588 |
| Net loans and leases to deposits | 90.2080% | 563 |
| Net loans and leases to core deposits | 93.4348% | 810 |
| Total domestic deposits to total assets | 83.1340% | 3,777 |
| Equity capital to assets | 11.8325% | 1,328 |
| Core capital (leverage) ratio | 12.0443% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8799% | 911 |
| Memoranda: | ||
| Average total assets | $105,714,800 | 3,937 |
| Average earning assets | $102,434,600 | 3,880 |
| Average equity | $12,234,600 | 3,911 |
| Average total loans | $86,116,000 | 3,392 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 600 |
| Cost of funding earning assets | 0.4092% | 1,630 |
| Net interest margin | 4.1574% | 590 |
| Noninterest income to average assets | 0.1270% | 4,558 |
| Noninterest expense to average assets | 2.3743% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4043% | 1,528 |
| Return on assets (ROA) | 1.4043% | 1,587 |
| Pretax return on assets | 1.7776% | 1,215 |
| Return on Equity (ROE) | 12.2044% | 1,975 |
| Retained earnings to average equity (ytd only) | 12.2044% | 795 |
| Net charge-offs to loans | -0.0015% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1865% | 3,395 |
| Assets per employee ($millions) | 7.9268% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 4,275 |
| Loan loss allowance to noncurrent loans | 7,444.4444% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,185 |
| Noncurrent loans to loans | 0.0114% | 4,124 |
| Net loans and leases to total assets | 75.7540% | 568 |
| Net loans and leases to deposits | 91.9005% | 503 |
| Net loans and leases to core deposits | 95.3989% | 772 |
| Total domestic deposits to total assets | 82.4305% | 3,839 |
| Equity capital to assets | 12.3146% | 1,252 |
| Core capital (leverage) ratio | 12.2757% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3756% | 766 |
| Memoranda: | ||
| Average total assets | $105,010,500 | 3,996 |
| Average earning assets | $101,664,000 | 3,937 |
| Average equity | $12,082,750 | 3,975 |
| Average total loans | $87,129,500 | 3,421 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 617 |
| Cost of funding earning assets | 0.4461% | 1,549 |
| Net interest margin | 4.1601% | 628 |
| Noninterest income to average assets | 0.1363% | 4,516 |
| Noninterest expense to average assets | 2.2978% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4707% | 1,371 |
| Return on assets (ROA) | 1.4707% | 1,434 |
| Pretax return on assets | 1.8625% | 1,091 |
| Return on Equity (ROE) | 13.0804% | 1,683 |
| Retained earnings to average equity (ytd only) | 13.0804% | 703 |
| Net charge-offs to loans | -0.0067% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2320% | 3,636 |
| Assets per employee ($millions) | 7.9469% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 4,376 |
| 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 | 81.8023% | 229 |
| Net loans and leases to deposits | 98.6644% | 293 |
| Net loans and leases to core deposits | 100.9340% | 630 |
| Total domestic deposits to total assets | 82.9097% | 3,725 |
| Equity capital to assets | 11.9437% | 1,391 |
| Core capital (leverage) ratio | 11.7947% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1912% | 678 |
| Memoranda: | ||
| Average total assets | $105,664,667 | 4,003 |
| Average earning assets | $102,210,000 | 3,950 |
| Average equity | $11,880,333 | 4,002 |
| Average total loans | $89,928,333 | 3,398 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7177% | 554 |
| Cost of funding earning assets | 0.4993% | 1,399 |
| Net interest margin | 4.2185% | 583 |
| Noninterest income to average assets | 0.1161% | 4,605 |
| Noninterest expense to average assets | 2.1864% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5874% | 1,150 |
| Return on assets (ROA) | 1.5874% | 1,201 |
| Pretax return on assets | 2.0104% | 931 |
| Return on Equity (ROE) | 14.5567% | 1,313 |
| Retained earnings to average equity (ytd only) | 14.5567% | 681 |
| Net charge-offs to loans | -0.0130% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0963% | 3,982 |
| Assets per employee ($millions) | 8.1075% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 4,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,895 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.2227% | 142 |
| Net loans and leases to deposits | 104.0400% | 203 |
| Net loans and leases to core deposits | 106.4389% | 494 |
| Total domestic deposits to total assets | 80.9522% | 4,069 |
| Equity capital to assets | 11.2810% | 1,669 |
| Core capital (leverage) ratio | 11.1286% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4153% | 1,192 |
| Memoranda: | ||
| Average total assets | $106,842,000 | 4,002 |
| Average earning assets | $103,355,000 | 3,947 |
| Average equity | $11,651,000 | 4,040 |
| Average total loans | $92,301,500 | 3,374 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 640 |
| Cost of funding earning assets | 0.7762% | 1,315 |
| Net interest margin | 4.0918% | 799 |
| Noninterest income to average assets | 0.1033% | 4,732 |
| Noninterest expense to average assets | 2.3057% | 3,388 |
| Loan and lease loss provision to assets | 0.0301% | 4,022 |
| Net operating income to assets | 1.3554% | 1,113 |
| Return on assets (ROA) | 1.3554% | 1,204 |
| Pretax return on assets | 1.7152% | 831 |
| Return on Equity (ROE) | 12.4624% | 1,188 |
| Retained earnings to average equity (ytd only) | 12.4624% | 279 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9166% | 3,870 |
| Assets per employee ($millions) | 7.7347% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 4,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,014 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 87.2634% | 65 |
| Net loans and leases to deposits | 113.7317% | 119 |
| Net loans and leases to core deposits | 116.6708% | 358 |
| Total domestic deposits to total assets | 76.7274% | 4,444 |
| Equity capital to assets | 10.5388% | 2,638 |
| Core capital (leverage) ratio | 10.5548% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4685% | 1,690 |
| Memoranda: | ||
| Average total assets | $99,752,400 | 4,002 |
| Average earning assets | $96,240,400 | 3,943 |
| Average equity | $10,848,600 | 4,099 |
| Average total loans | $86,039,000 | 3,468 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 653 |
| Cost of funding earning assets | 0.8360% | 1,331 |
| Net interest margin | 4.1217% | 860 |
| Noninterest income to average assets | 0.1065% | 4,735 |
| Noninterest expense to average assets | 2.2905% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4136% | 1,070 |
| Return on assets (ROA) | 1.4136% | 1,158 |
| Pretax return on assets | 1.7892% | 797 |
| Return on Equity (ROE) | 12.8875% | 1,144 |
| Retained earnings to average equity (ytd only) | 12.8875% | 341 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1433% | 3,905 |
| Assets per employee ($millions) | 7.6821% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6898% | 4,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 4,110 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 85.3984% | 182 |
| Net loans and leases to deposits | 114.7401% | 165 |
| Net loans and leases to core deposits | 117.2103% | 474 |
| Total domestic deposits to total assets | 74.4277% | 4,544 |
| Equity capital to assets | 10.3273% | 2,939 |
| Core capital (leverage) ratio | 10.4320% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6342% | 1,615 |
| Memoranda: | ||
| Average total assets | $97,619,000 | 4,025 |
| Average earning assets | $94,101,250 | 3,971 |
| Average equity | $10,707,750 | 4,124 |
| Average total loans | $83,758,250 | 3,521 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 587 |
| Cost of funding earning assets | 0.9094% | 1,331 |
| Net interest margin | 4.2737% | 797 |
| Noninterest income to average assets | 0.1124% | 4,731 |
| Noninterest expense to average assets | 2.2479% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5651% | 819 |
| Return on assets (ROA) | 1.5651% | 889 |
| Pretax return on assets | 1.9807% | 570 |
| Return on Equity (ROE) | 13.9579% | 901 |
| Retained earnings to average equity (ytd only) | 13.9579% | 279 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1595% | 4,268 |
| Assets per employee ($millions) | 7.4945% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 4,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 4,188 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 83.4012% | 303 |
| Net loans and leases to deposits | 112.8657% | 176 |
| Net loans and leases to core deposits | 115.3639% | 554 |
| Total domestic deposits to total assets | 73.8942% | 4,601 |
| Equity capital to assets | 10.3771% | 2,859 |
| Core capital (leverage) ratio | 10.9538% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7255% | 1,563 |
| Memoranda: | ||
| Average total assets | $94,308,667 | 4,066 |
| Average earning assets | $90,834,000 | 4,013 |
| Average equity | $10,574,667 | 4,156 |
| Average total loans | $80,849,667 | 3,560 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6725% | 261 |
| Cost of funding earning assets | 1.0233% | 1,325 |
| Net interest margin | 4.6492% | 377 |
| Noninterest income to average assets | 0.1393% | 4,667 |
| Noninterest expense to average assets | 2.8224% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4112% | 954 |
| Return on assets (ROA) | 1.4112% | 1,033 |
| Pretax return on assets | 1.7887% | 718 |
| Return on Equity (ROE) | 12.0561% | 1,090 |
| Retained earnings to average equity (ytd only) | 12.0561% | 423 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2086% | 3,588 |
| Assets per employee ($millions) | 6.6838% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 4,198 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 85.4884% | 170 |
| Net loans and leases to deposits | 104.7053% | 340 |
| Net loans and leases to core deposits | 106.8470% | 1,011 |
| Total domestic deposits to total assets | 81.6467% | 3,512 |
| Equity capital to assets | 12.0671% | 2,018 |
| Core capital (leverage) ratio | 11.5161% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1518% | 1,569 |
| Memoranda: | ||
| Average total assets | $89,001,500 | 4,134 |
| Average earning assets | $85,605,500 | 4,084 |
| Average equity | $10,418,000 | 4,192 |
| Average total loans | $77,202,000 | 3,624 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 673 |
| Cost of funding earning assets | 1.1727% | 1,086 |
| Net interest margin | 4.2199% | 1,280 |
| Noninterest income to average assets | 0.1234% | 4,846 |
| Noninterest expense to average assets | 2.6521% | 3,021 |
| Loan and lease loss provision to assets | 0.0220% | 3,589 |
| Net operating income to assets | 1.1818% | 2,127 |
| Return on assets (ROA) | 1.1818% | 2,227 |
| Pretax return on assets | 1.4957% | 1,819 |
| Return on Equity (ROE) | 10.8857% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.8857% | 349 |
| Net charge-offs to loans | -0.0091% | 4,448 |
| Credit loss provision to net charge-offs | -285.7143% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6027% | 3,129 |
| Assets per employee ($millions) | 7.0088% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 4,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,250 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 86.5377% | 139 |
| Net loans and leases to deposits | 104.6368% | 352 |
| Net loans and leases to core deposits | 105.7100% | 1,124 |
| Total domestic deposits to total assets | 82.7030% | 3,303 |
| Equity capital to assets | 11.3605% | 2,651 |
| Core capital (leverage) ratio | 11.4271% | 2,166 |
| Tier 1 risk-based capital ratio | 14.2544% | 3,139 |
| Total risk-based capital ratio | 15.1454% | 3,229 |
| Memoranda: | ||
| Average total assets | $90,796,400 | 4,136 |
| Average earning assets | $87,063,400 | 4,082 |
| Average equity | $9,857,000 | 4,260 |
| Average total loans | $76,670,000 | 3,657 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 732 |
| Cost of funding earning assets | 1.2136% | 1,002 |
| Net interest margin | 4.1654% | 1,462 |
| Noninterest income to average assets | 0.1264% | 4,895 |
| Noninterest expense to average assets | 2.6529% | 3,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1567% | 2,337 |
| Return on assets (ROA) | 1.1567% | 2,429 |
| Pretax return on assets | 1.4639% | 2,065 |
| Return on Equity (ROE) | 10.7804% | 2,108 |
| Retained earnings to average equity (ytd only) | 10.7804% | 568 |
| Net charge-offs to loans | -0.0123% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4413% | 2,945 |
| Assets per employee ($millions) | 7.0359% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 4,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,330 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.2140% | 329 |
| Net loans and leases to deposits | 101.1915% | 545 |
| Net loans and leases to core deposits | 103.2588% | 1,391 |
| Total domestic deposits to total assets | 83.2224% | 3,091 |
| Equity capital to assets | 10.9690% | 3,120 |
| Core capital (leverage) ratio | 11.2107% | 2,466 |
| Tier 1 risk-based capital ratio | 13.9073% | 3,374 |
| Total risk-based capital ratio | 14.7778% | 3,464 |
| Memoranda: | ||
| Average total assets | $90,717,000 | 4,183 |
| Average earning assets | $86,904,500 | 4,134 |
| Average equity | $9,733,500 | 4,318 |
| Average total loans | $75,966,000 | 3,706 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3455% | 740 |
| Cost of funding earning assets | 1.2644% | 832 |
| Net interest margin | 4.0811% | 1,667 |
| Noninterest income to average assets | 0.1393% | 4,873 |
| Noninterest expense to average assets | 2.6728% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0943% | 2,549 |
| Return on assets (ROA) | 1.0943% | 2,617 |
| Pretax return on assets | 1.3839% | 2,249 |
| Return on Equity (ROE) | 10.2765% | 2,259 |
| Retained earnings to average equity (ytd only) | 10.2765% | 681 |
| Net charge-offs to loans | -0.0186% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8856% | 2,819 |
| Assets per employee ($millions) | 6.7807% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 4,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,357 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 85.8490% | 226 |
| Net loans and leases to deposits | 103.5835% | 439 |
| Net loans and leases to core deposits | 106.3837% | 1,222 |
| Total domestic deposits to total assets | 82.8790% | 3,247 |
| Equity capital to assets | 11.1357% | 2,918 |
| Core capital (leverage) ratio | 11.0523% | 2,544 |
| Tier 1 risk-based capital ratio | 13.8760% | 3,381 |
| Total risk-based capital ratio | 14.7623% | 3,476 |
| Memoranda: | ||
| Average total assets | $90,467,000 | 4,214 |
| Average earning assets | $86,840,000 | 4,157 |
| Average equity | $9,633,670 | 4,351 |
| Average total loans | $75,405,670 | 3,740 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2713% | 798 |
| Cost of funding earning assets | 1.3712% | 508 |
| Net interest margin | 3.9001% | 2,187 |
| Noninterest income to average assets | 0.1222% | 4,998 |
| Noninterest expense to average assets | 2.7154% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9124% | 3,190 |
| Return on assets (ROA) | 0.9124% | 3,229 |
| Pretax return on assets | 1.1569% | 2,955 |
| Return on Equity (ROE) | 8.7608% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.7608% | 1,400 |
| Net charge-offs to loans | -0.0374% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1240% | 2,319 |
| Assets per employee ($millions) | 6.8706% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 4,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 4,447 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 76.1561% | 1,455 |
| Net loans and leases to deposits | 90.1931% | 1,601 |
| Net loans and leases to core deposits | 98.5922% | 1,734 |
| Total domestic deposits to total assets | 84.4367% | 2,874 |
| Equity capital to assets | 10.0584% | 3,769 |
| Core capital (leverage) ratio | 10.7402% | 2,815 |
| Tier 1 risk-based capital ratio | 14.0660% | 3,307 |
| Total risk-based capital ratio | 14.9775% | 3,392 |
| Memoranda: | ||
| Average total assets | $91,626,000 | 4,235 |
| Average earning assets | $88,099,500 | 4,177 |
| Average equity | $9,542,500 | 4,398 |
| Average total loans | $74,962,000 | 3,783 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 476 |
| Cost of funding earning assets | 1.0880% | 520 |
| Net interest margin | 4.3191% | 1,109 |
| Noninterest income to average assets | 0.3220% | 3,946 |
| Noninterest expense to average assets | 3.1285% | 1,730 |
| Loan and lease loss provision to assets | 0.1206% | 1,831 |
| Net operating income to assets | 0.9371% | 3,292 |
| Return on assets (ROA) | 0.9371% | 3,287 |
| Pretax return on assets | 1.1855% | 2,931 |
| Return on Equity (ROE) | 8.5582% | 3,197 |
| Retained earnings to average equity (ytd only) | 8.5582% | 1,025 |
| Net charge-offs to loans | -0.0069% | 4,411 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5466% | 2,101 |
| Assets per employee ($millions) | 6.2189% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 4,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,412 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 86.6512% | 198 |
| Net loans and leases to deposits | 104.2650% | 465 |
| Net loans and leases to core deposits | 114.8437% | 747 |
| Total domestic deposits to total assets | 83.1067% | 3,291 |
| Equity capital to assets | 10.8081% | 2,880 |
| Core capital (leverage) ratio | 11.0202% | 2,506 |
| Tier 1 risk-based capital ratio | 13.8994% | 3,331 |
| Total risk-based capital ratio | 14.8151% | 3,419 |
| Memoranda: | ||
| Average total assets | $82,915,200 | 4,380 |
| Average earning assets | $78,950,800 | 4,331 |
| Average equity | $9,079,000 | 4,449 |
| Average total loans | $72,310,800 | 3,824 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 481 |
| Cost of funding earning assets | 1.0043% | 584 |
| Net interest margin | 4.3429% | 1,027 |
| Noninterest income to average assets | 0.1546% | 5,005 |
| Noninterest expense to average assets | 3.0589% | 1,860 |
| Loan and lease loss provision to assets | 0.1140% | 1,780 |
| Net operating income to assets | 0.8742% | 3,641 |
| Return on assets (ROA) | 0.8742% | 3,647 |
| Pretax return on assets | 1.1070% | 3,371 |
| Return on Equity (ROE) | 7.9357% | 3,575 |
| Retained earnings to average equity (ytd only) | 7.9357% | 1,684 |
| Net charge-offs to loans | -0.0093% | 4,374 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4720% | 1,966 |
| Assets per employee ($millions) | 6.0619% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 4,626 |
| Loan loss allowance to noncurrent loans | 206.0284% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 1,410 |
| Noncurrent loans to loans | 0.3875% | 3,266 |
| Net loans and leases to total assets | 85.0755% | 353 |
| Net loans and leases to deposits | 102.5058% | 617 |
| Net loans and leases to core deposits | 108.5419% | 1,128 |
| Total domestic deposits to total assets | 82.9957% | 3,309 |
| Equity capital to assets | 10.8711% | 2,780 |
| Core capital (leverage) ratio | 11.0972% | 2,488 |
| Tier 1 risk-based capital ratio | 13.9200% | 3,413 |
| Total risk-based capital ratio | 14.8101% | 3,506 |
| Memoranda: | ||
| Average total assets | $81,902,250 | 4,446 |
| Average earning assets | $77,795,500 | 4,400 |
| Average equity | $9,022,250 | 4,498 |
| Average total loans | $71,375,250 | 3,878 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 531 |
| Cost of funding earning assets | 0.9347% | 627 |
| Net interest margin | 4.2905% | 1,054 |
| Noninterest income to average assets | 0.1532% | 5,059 |
| Noninterest expense to average assets | 3.0625% | 1,881 |
| Loan and lease loss provision to assets | 0.1112% | 1,775 |
| Net operating income to assets | 0.8503% | 3,676 |
| Return on assets (ROA) | 0.8503% | 3,675 |
| Pretax return on assets | 1.0752% | 3,412 |
| Return on Equity (ROE) | 7.6834% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.6834% | 1,762 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0768% | 1,996 |
| Assets per employee ($millions) | 5.9564% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 4,836 |
| Loan loss allowance to noncurrent loans | 130.2600% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5924% | 2,451 |
| Noncurrent loans to loans | 0.5725% | 2,704 |
| Net loans and leases to total assets | 87.9470% | 139 |
| Net loans and leases to deposits | 106.0195% | 433 |
| Net loans and leases to core deposits | 112.8101% | 849 |
| Total domestic deposits to total assets | 82.9536% | 3,418 |
| Equity capital to assets | 10.8634% | 2,772 |
| Core capital (leverage) ratio | 11.2221% | 2,326 |
| Tier 1 risk-based capital ratio | 13.5966% | 3,567 |
| Total risk-based capital ratio | 14.4371% | 3,713 |
| Memoranda: | ||
| Average total assets | $80,914,000 | 4,503 |
| Average earning assets | $77,240,330 | 4,451 |
| Average equity | $8,954,330 | 4,541 |
| Average total loans | $70,906,330 | 3,912 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1668% | 521 |
| Cost of funding earning assets | 0.8734% | 681 |
| Net interest margin | 4.2934% | 961 |
| Noninterest income to average assets | 0.1757% | 4,970 |
| Noninterest expense to average assets | 3.0724% | 1,896 |
| Loan and lease loss provision to assets | 0.1255% | 1,500 |
| Net operating income to assets | 0.8484% | 3,512 |
| Return on assets (ROA) | 0.8484% | 3,530 |
| Pretax return on assets | 1.0744% | 3,266 |
| Return on Equity (ROE) | 7.5938% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.5938% | 1,993 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9154% | 2,208 |
| Assets per employee ($millions) | 6.2384% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 4,911 |
| Loan loss allowance to noncurrent loans | 125.5319% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 2,428 |
| Noncurrent loans to loans | 0.5998% | 2,746 |
| Net loans and leases to total assets | 86.3118% | 237 |
| Net loans and leases to deposits | 104.6011% | 450 |
| Net loans and leases to core deposits | 108.9277% | 1,067 |
| Total domestic deposits to total assets | 82.5152% | 3,807 |
| Equity capital to assets | 11.0803% | 2,504 |
| Core capital (leverage) ratio | 11.3448% | 2,128 |
| Tier 1 risk-based capital ratio | 13.9690% | 3,394 |
| Total risk-based capital ratio | 14.8085% | 3,531 |
| Memoranda: | ||
| Average total assets | $79,676,000 | 4,577 |
| Average earning assets | $76,023,500 | 4,523 |
| Average equity | $8,902,000 | 4,596 |
| Average total loans | $69,414,500 | 3,977 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 348 |
| Cost of funding earning assets | 0.7207% | 923 |
| Net interest margin | 4.6035% | 499 |
| Noninterest income to average assets | 0.1772% | 5,067 |
| Noninterest expense to average assets | 3.3561% | 1,278 |
| Loan and lease loss provision to assets | 0.0223% | 3,854 |
| Net operating income to assets | 0.7686% | 3,309 |
| Return on assets (ROA) | 0.7686% | 3,348 |
| Pretax return on assets | 1.1647% | 2,927 |
| Return on Equity (ROE) | 6.3526% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.3526% | 1,354 |
| Net charge-offs to loans | 0.1900% | 1,338 |
| Credit loss provision to net charge-offs | 13.5593% | 3,648 |
| Earnings coverage of net charge-offs (x) | 7.2119% | 3,072 |
| Efficiency ratio | 73.8717% | 1,911 |
| Assets per employee ($millions) | 6.0195% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 4,979 |
| Loan loss allowance to noncurrent loans | 142.9379% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,662 |
| Noncurrent loans to loans | 0.5183% | 2,962 |
| Net loans and leases to total assets | 86.6344% | 212 |
| Net loans and leases to deposits | 105.5998% | 415 |
| Net loans and leases to core deposits | 110.1571% | 988 |
| Total domestic deposits to total assets | 82.0403% | 3,862 |
| Equity capital to assets | 11.2686% | 2,388 |
| Core capital (leverage) ratio | 11.8240% | 1,708 |
| Tier 1 risk-based capital ratio | 13.9659% | 3,382 |
| Total risk-based capital ratio | 14.7818% | 3,522 |
| Memoranda: | ||
| Average total assets | $71,689,800 | 4,748 |
| Average earning assets | $67,992,200 | 4,704 |
| Average equity | $8,673,600 | 4,670 |
| Average total loans | $62,114,600 | 4,150 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 316 |
| Cost of funding earning assets | 0.6875% | 1,023 |
| Net interest margin | 4.6715% | 428 |
| Noninterest income to average assets | 0.1903% | 5,064 |
| Noninterest expense to average assets | 3.4432% | 1,078 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7728% | 3,633 |
| Return on assets (ROA) | 0.7728% | 3,683 |
| Pretax return on assets | 1.1706% | 3,019 |
| Return on Equity (ROE) | 6.2671% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.2671% | 2,078 |
| Net charge-offs to loans | 0.2598% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.2118% | 3,133 |
| Efficiency ratio | 74.6287% | 1,803 |
| Assets per employee ($millions) | 5.1359% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,633 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 86.1758% | 249 |
| Net loans and leases to deposits | 106.7886% | 378 |
| Net loans and leases to core deposits | 111.1006% | 970 |
| Total domestic deposits to total assets | 80.6976% | 4,137 |
| Equity capital to assets | 12.0676% | 1,923 |
| Core capital (leverage) ratio | 12.4666% | 1,430 |
| Tier 1 risk-based capital ratio | 14.9261% | 2,951 |
| Total risk-based capital ratio | 15.7848% | 3,077 |
| Memoranda: | ||
| Average total assets | $70,049,000 | 4,825 |
| Average earning assets | $66,329,750 | 4,789 |
| Average equity | $8,637,500 | 4,723 |
| Average total loans | $60,568,250 | 4,228 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 317 |
| Cost of funding earning assets | 0.6543% | 1,120 |
| Net interest margin | 4.6717% | 417 |
| Noninterest income to average assets | 0.2045% | 5,023 |
| Noninterest expense to average assets | 3.4394% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7835% | 3,475 |
| Return on assets (ROA) | 0.7835% | 3,531 |
| Pretax return on assets | 1.1868% | 2,817 |
| Return on Equity (ROE) | 6.3077% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.3077% | 1,958 |
| Net charge-offs to loans | 0.4171% | 485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.2960% | 3,067 |
| Efficiency ratio | 74.3462% | 1,951 |
| Assets per employee ($millions) | 5.0411% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 4,955 |
| Loan loss allowance to noncurrent loans | 327.0270% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 3,133 |
| Noncurrent loans to loans | 0.2443% | 4,157 |
| Net loans and leases to total assets | 85.1647% | 329 |
| Net loans and leases to deposits | 105.8243% | 404 |
| Net loans and leases to core deposits | 106.2921% | 1,210 |
| Total domestic deposits to total assets | 80.4775% | 4,308 |
| Equity capital to assets | 12.1856% | 1,798 |
| Core capital (leverage) ratio | 12.5454% | 1,350 |
| Tier 1 risk-based capital ratio | 14.9523% | 2,952 |
| Total risk-based capital ratio | 15.8098% | 3,051 |
| Memoranda: | ||
| Average total assets | $69,431,000 | 4,872 |
| Average earning assets | $65,714,670 | 4,837 |
| Average equity | $8,624,330 | 4,750 |
| Average total loans | $59,940,000 | 4,264 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 309 |
| Cost of funding earning assets | 0.6379% | 1,146 |
| Net interest margin | 4.6800% | 384 |
| Noninterest income to average assets | 0.1917% | 5,126 |
| Noninterest expense to average assets | 3.4621% | 1,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7668% | 3,392 |
| Return on assets (ROA) | 0.7668% | 3,445 |
| Pretax return on assets | 1.1618% | 2,738 |
| Return on Equity (ROE) | 6.1136% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.1136% | 2,277 |
| Net charge-offs to loans | 0.8387% | 204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 2,710 |
| Efficiency ratio | 74.8744% | 2,086 |
| Assets per employee ($millions) | 5.3498% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 5,011 |
| Loan loss allowance to noncurrent loans | 384.1270% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,350 |
| Noncurrent loans to loans | 0.2132% | 4,344 |
| Net loans and leases to total assets | 84.2639% | 336 |
| Net loans and leases to deposits | 105.3196% | 346 |
| Net loans and leases to core deposits | 106.1110% | 1,091 |
| Total domestic deposits to total assets | 80.0078% | 4,616 |
| Equity capital to assets | 12.5182% | 1,517 |
| Core capital (leverage) ratio | 12.6663% | 1,260 |
| Tier 1 risk-based capital ratio | 15.6644% | 2,682 |
| Total risk-based capital ratio | 16.5518% | 2,764 |
| Memoranda: | ||
| Average total assets | $68,859,000 | 4,933 |
| Average earning assets | $65,213,000 | 4,901 |
| Average equity | $8,636,500 | 4,783 |
| Average total loans | $59,615,500 | 4,312 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1795% | 428 |
| Cost of funding earning assets | 0.5593% | 1,610 |
| Net interest margin | 4.6202% | 486 |
| Noninterest income to average assets | 0.1765% | 5,340 |
| Noninterest expense to average assets | 3.5001% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6776% | 3,882 |
| Return on assets (ROA) | 0.6776% | 3,997 |
| Pretax return on assets | 1.0261% | 3,380 |
| Return on Equity (ROE) | 5.3677% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.3677% | 2,092 |
| Net charge-offs to loans | 0.0624% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 19.0556% | 1,932 |
| Efficiency ratio | 77.3298% | 1,799 |
| Assets per employee ($millions) | 4.8694% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 4,248 |
| Loan loss allowance to noncurrent loans | 61.4762% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 873 |
| Noncurrent loans to loans | 1.6444% | 1,185 |
| Net loans and leases to total assets | 87.3333% | 158 |
| Net loans and leases to deposits | 110.4544% | 216 |
| Net loans and leases to core deposits | 111.3093% | 815 |
| Total domestic deposits to total assets | 79.0673% | 4,780 |
| Equity capital to assets | 12.5669% | 1,480 |
| Core capital (leverage) ratio | 12.6264% | 1,289 |
| Tier 1 risk-based capital ratio | 15.2678% | 2,853 |
| Total risk-based capital ratio | 16.3678% | 2,847 |
| Memoranda: | ||
| Average total assets | $66,855,600 | 4,990 |
| Average earning assets | $62,941,000 | 4,963 |
| Average equity | $8,439,400 | 4,856 |
| Average total loans | $57,702,800 | 4,356 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 457 |
| Cost of funding earning assets | 0.5536% | 1,657 |
| Net interest margin | 4.5950% | 512 |
| Noninterest income to average assets | 0.1844% | 5,356 |
| Noninterest expense to average assets | 3.5273% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6473% | 4,095 |
| Return on assets (ROA) | 0.6473% | 4,219 |
| Pretax return on assets | 0.9820% | 3,698 |
| Return on Equity (ROE) | 5.1223% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.1223% | 2,739 |
| Net charge-offs to loans | 0.0841% | 2,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.6108% | 2,299 |
| Efficiency ratio | 78.2222% | 1,658 |
| Assets per employee ($millions) | 4.5779% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 4,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 4,283 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 84.1297% | 400 |
| Net loans and leases to deposits | 105.7903% | 383 |
| Net loans and leases to core deposits | 106.5945% | 1,139 |
| Total domestic deposits to total assets | 79.5250% | 4,614 |
| Equity capital to assets | 12.3243% | 1,881 |
| Core capital (leverage) ratio | 12.5751% | 1,370 |
| Tier 1 risk-based capital ratio | 15.1755% | 2,964 |
| Total risk-based capital ratio | 16.2824% | 2,970 |
| Memoranda: | ||
| Average total assets | $66,526,750 | 5,043 |
| Average earning assets | $62,616,750 | 5,009 |
| Average equity | $8,407,500 | 4,907 |
| Average total loans | $57,092,500 | 4,405 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 440 |
| Cost of funding earning assets | 0.5397% | 1,781 |
| Net interest margin | 4.6374% | 476 |
| Noninterest income to average assets | 0.1854% | 5,385 |
| Noninterest expense to average assets | 3.6254% | 972 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6078% | 4,237 |
| Return on assets (ROA) | 0.6078% | 4,361 |
| Pretax return on assets | 0.9208% | 3,873 |
| Return on Equity (ROE) | 4.7681% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.7681% | 2,885 |
| Net charge-offs to loans | 0.1588% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.7333% | 2,710 |
| Efficiency ratio | 79.7460% | 1,523 |
| Assets per employee ($millions) | 4.3472% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 4,290 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 84.4160% | 386 |
| Net loans and leases to deposits | 107.2771% | 322 |
| Net loans and leases to core deposits | 108.1433% | 1,033 |
| Total domestic deposits to total assets | 78.6897% | 4,850 |
| Equity capital to assets | 12.8573% | 1,582 |
| Core capital (leverage) ratio | 13.1656% | 1,095 |
| Tier 1 risk-based capital ratio | 16.0462% | 2,621 |
| Total risk-based capital ratio | 17.2125% | 2,597 |
| Memoranda: | ||
| Average total assets | $65,812,670 | 5,107 |
| Average earning assets | $61,888,670 | 5,072 |
| Average equity | $8,389,000 | 4,947 |
| Average total loans | $56,663,670 | 4,450 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3936% | 296 |
| Cost of funding earning assets | 0.5613% | 1,613 |
| Net interest margin | 4.8323% | 340 |
| Noninterest income to average assets | 0.1755% | 5,446 |
| Noninterest expense to average assets | 3.6784% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6776% | 3,837 |
| Return on assets (ROA) | 0.6776% | 3,955 |
| Pretax return on assets | 1.0285% | 3,372 |
| Return on Equity (ROE) | 5.3387% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.3387% | 2,746 |
| Net charge-offs to loans | 0.1399% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,047 |
| Efficiency ratio | 78.1491% | 1,876 |
| Assets per employee ($millions) | 4.2264% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 3,787 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 4,166 |
| Noncurrent loans to loans | 0.0459% | 5,309 |
| Net loans and leases to total assets | 84.9596% | 298 |
| Net loans and leases to deposits | 108.6981% | 258 |
| Net loans and leases to core deposits | 109.6050% | 870 |
| Total domestic deposits to total assets | 78.1611% | 5,112 |
| Equity capital to assets | 13.2185% | 1,309 |
| Core capital (leverage) ratio | 12.7094% | 1,265 |
| Tier 1 risk-based capital ratio | 16.5744% | 2,446 |
| Total risk-based capital ratio | 17.8241% | 2,396 |
| Memoranda: | ||
| Average total assets | $66,115,000 | 5,148 |
| Average earning assets | $61,999,500 | 5,117 |
| Average equity | $8,391,500 | 4,979 |
| Average total loans | $57,172,500 | 4,463 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 253 |
| Cost of funding earning assets | 0.5211% | 1,986 |
| Net interest margin | 5.0038% | 255 |
| Noninterest income to average assets | 0.1586% | 5,630 |
| Noninterest expense to average assets | 3.7051% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7781% | 3,431 |
| Return on assets (ROA) | 0.7781% | 3,506 |
| Pretax return on assets | 1.1782% | 2,737 |
| Return on Equity (ROE) | 6.2792% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.2792% | 1,660 |
| Net charge-offs to loans | 0.2441% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.5986% | 3,360 |
| Efficiency ratio | 75.8725% | 2,295 |
| Assets per employee ($millions) | 4.5889% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 4,165 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 4,180 |
| Noncurrent loans to loans | 0.0752% | 5,203 |
| Net loans and leases to total assets | 86.0243% | 230 |
| Net loans and leases to deposits | 107.8304% | 304 |
| Net loans and leases to core deposits | 117.2903% | 565 |
| Total domestic deposits to total assets | 79.7774% | 4,804 |
| Equity capital to assets | 12.2076% | 1,810 |
| Core capital (leverage) ratio | 12.3711% | 1,414 |
| Tier 1 risk-based capital ratio | 15.0693% | 3,144 |
| Total risk-based capital ratio | 16.2380% | 3,121 |
| Memoranda: | ||
| Average total assets | $67,474,600 | 5,143 |
| Average earning assets | $63,711,800 | 5,093 |
| Average equity | $8,361,000 | 4,988 |
| Average total loans | $58,171,800 | 4,422 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 251 |
| Cost of funding earning assets | 0.5198% | 2,044 |
| Net interest margin | 5.0060% | 250 |
| Noninterest income to average assets | 0.1648% | 5,658 |
| Noninterest expense to average assets | 3.8489% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6872% | 3,957 |
| Return on assets (ROA) | 0.6872% | 4,076 |
| Pretax return on assets | 1.0407% | 3,456 |
| Return on Equity (ROE) | 5.5245% | 4,392 |
| Retained earnings to average equity (ytd only) | 5.5245% | 2,562 |
| Net charge-offs to loans | 0.3301% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.6644% | 3,471 |
| Efficiency ratio | 78.7165% | 1,855 |
| Assets per employee ($millions) | 4.8353% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 4,317 |
| Loan loss allowance to noncurrent loans | 1,341.6667% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 4,325 |
| Noncurrent loans to loans | 0.0808% | 5,304 |
| Net loans and leases to total assets | 86.7935% | 189 |
| Net loans and leases to deposits | 108.3882% | 294 |
| Net loans and leases to core deposits | 118.0202% | 529 |
| Total domestic deposits to total assets | 80.0765% | 4,731 |
| Equity capital to assets | 12.2345% | 1,921 |
| Core capital (leverage) ratio | 12.2076% | 1,560 |
| Tier 1 risk-based capital ratio | 15.0402% | 3,272 |
| Total risk-based capital ratio | 16.2245% | 3,249 |
| Memoranda: | ||
| Average total assets | $67,134,750 | 5,217 |
| Average earning assets | $63,362,000 | 5,162 |
| Average equity | $8,350,500 | 5,051 |
| Average total loans | $57,750,000 | 4,479 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 290 |
| Cost of funding earning assets | 0.5202% | 2,068 |
| Net interest margin | 4.9329% | 283 |
| Noninterest income to average assets | 0.1733% | 5,663 |
| Noninterest expense to average assets | 3.8627% | 802 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6303% | 4,215 |
| Return on assets (ROA) | 0.6303% | 4,329 |
| Pretax return on assets | 0.9560% | 3,749 |
| Return on Equity (ROE) | 5.0398% | 4,596 |
| Retained earnings to average equity (ytd only) | 5.0398% | 2,838 |
| Net charge-offs to loans | 0.6538% | 351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.7112% | 3,463 |
| Efficiency ratio | 80.1612% | 1,736 |
| Assets per employee ($millions) | 4.4669% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6731% | 3,380 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 85.3245% | 274 |
| Net loans and leases to deposits | 107.0459% | 336 |
| Net loans and leases to core deposits | 116.7020% | 572 |
| Total domestic deposits to total assets | 79.7084% | 4,929 |
| Equity capital to assets | 12.6129% | 1,594 |
| Core capital (leverage) ratio | 13.0126% | 1,161 |
| Tier 1 risk-based capital ratio | 15.5540% | 3,073 |
| Total risk-based capital ratio | 16.6694% | 3,084 |
| Memoranda: | ||
| Average total assets | $66,948,330 | 5,281 |
| Average earning assets | $63,046,670 | 5,226 |
| Average equity | $8,373,330 | 5,078 |
| Average total loans | $57,200,670 | 4,534 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3599% | 320 |
| Cost of funding earning assets | 0.5271% | 2,034 |
| Net interest margin | 4.8328% | 330 |
| Noninterest income to average assets | 0.1674% | 5,725 |
| Noninterest expense to average assets | 3.8015% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6037% | 4,277 |
| Return on assets (ROA) | 0.6037% | 4,370 |
| Pretax return on assets | 0.9145% | 3,838 |
| Return on Equity (ROE) | 4.8473% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.8473% | 3,149 |
| Net charge-offs to loans | 0.4638% | 535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.3182% | 2,782 |
| Efficiency ratio | 80.6084% | 1,811 |
| Assets per employee ($millions) | 4.3560% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 3,494 |
| Loan loss allowance to noncurrent loans | 214.5833% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.2948% | 2,053 |
| Noncurrent loans to loans | 0.5982% | 3,782 |
| Net loans and leases to total assets | 84.8669% | 259 |
| Net loans and leases to deposits | 107.0688% | 282 |
| Net loans and leases to core deposits | 118.3001% | 447 |
| Total domestic deposits to total assets | 79.2639% | 5,218 |
| Equity capital to assets | 12.8818% | 1,464 |
| Core capital (leverage) ratio | 12.8971% | 1,190 |
| Tier 1 risk-based capital ratio | 16.0054% | 2,919 |
| Total risk-based capital ratio | 17.2563% | 2,850 |
| Memoranda: | ||
| Average total assets | $66,921,000 | 5,332 |
| Average earning assets | $62,986,500 | 5,277 |
| Average equity | $8,334,500 | 5,131 |
| Average total loans | $56,916,000 | 4,581 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6349% | 257 |
| Cost of funding earning assets | 0.5003% | 2,677 |
| Net interest margin | 5.1346% | 233 |
| Noninterest income to average assets | 0.3162% | 4,857 |
| Noninterest expense to average assets | 3.6368% | 1,236 |
| Loan and lease loss provision to assets | 0.0753% | 2,976 |
| Net operating income to assets | 1.1219% | 1,894 |
| Return on assets (ROA) | 1.1219% | 1,952 |
| Pretax return on assets | 1.4728% | 1,645 |
| Return on Equity (ROE) | 9.5047% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.5047% | 601 |
| Net charge-offs to loans | 0.0830% | 3,308 |
| Credit loss provision to net charge-offs | 106.3830% | 2,249 |
| Earnings coverage of net charge-offs (x) | 21.8723% | 1,657 |
| Efficiency ratio | 70.1423% | 3,506 |
| Assets per employee ($millions) | 4.5668% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 3,109 |
| Loan loss allowance to noncurrent loans | 117.1131% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.2686% | 2,224 |
| Noncurrent loans to loans | 1.1655% | 2,498 |
| Net loans and leases to total assets | 83.0224% | 430 |
| Net loans and leases to deposits | 103.3416% | 459 |
| Net loans and leases to core deposits | 114.1069% | 600 |
| Total domestic deposits to total assets | 80.3378% | 4,929 |
| Equity capital to assets | 12.0464% | 1,989 |
| Core capital (leverage) ratio | 12.6861% | 1,259 |
| Tier 1 risk-based capital ratio | 15.2394% | 3,355 |
| Total risk-based capital ratio | 16.4927% | 3,303 |
| Memoranda: | ||
| Average total assets | $66,405,000 | 5,383 |
| Average earning assets | $62,964,600 | 5,312 |
| Average equity | $7,838,200 | 5,238 |
| Average total loans | $56,600,600 | 4,595 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 237 |
| Cost of funding earning assets | 0.4903% | 2,856 |
| Net interest margin | 5.1912% | 207 |
| Noninterest income to average assets | 0.3805% | 4,398 |
| Noninterest expense to average assets | 3.5619% | 1,360 |
| Loan and lease loss provision to assets | 0.1012% | 2,345 |
| Net operating income to assets | 1.2871% | 1,406 |
| Return on assets (ROA) | 1.2871% | 1,462 |
| Pretax return on assets | 1.6454% | 1,192 |
| Return on Equity (ROE) | 10.9633% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.9633% | 520 |
| Net charge-offs to loans | 0.1112% | 2,685 |
| Credit loss provision to net charge-offs | 106.3830% | 2,092 |
| Earnings coverage of net charge-offs (x) | 18.3603% | 1,846 |
| Efficiency ratio | 67.0987% | 4,027 |
| Assets per employee ($millions) | 4.7690% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 3,259 |
| Loan loss allowance to noncurrent loans | 116.9391% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 2,375 |
| Noncurrent loans to loans | 1.1816% | 2,697 |
| Net loans and leases to total assets | 84.1311% | 331 |
| Net loans and leases to deposits | 105.0809% | 362 |
| Net loans and leases to core deposits | 117.0400% | 464 |
| Total domestic deposits to total assets | 80.0632% | 5,082 |
| Equity capital to assets | 12.1095% | 1,970 |
| Core capital (leverage) ratio | 12.4034% | 1,458 |
| Tier 1 risk-based capital ratio | 15.4726% | 3,340 |
| Total risk-based capital ratio | 16.7267% | 3,275 |
| Memoranda: | ||
| Average total assets | $65,880,750 | 5,456 |
| Average earning assets | $62,540,750 | 5,386 |
| Average equity | $7,734,750 | 5,306 |
| Average total loans | $56,336,000 | 4,651 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7408% | 204 |
| Cost of funding earning assets | 0.4945% | 2,888 |
| Net interest margin | 5.2464% | 183 |
| Noninterest income to average assets | 0.1616% | 5,985 |
| Noninterest expense to average assets | 3.7813% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2045% | 1,574 |
| Return on assets (ROA) | 1.2045% | 1,639 |
| Pretax return on assets | 1.3631% | 2,026 |
| Return on Equity (ROE) | 10.3702% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.3702% | 639 |
| Net charge-offs to loans | -0.0677% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5033% | 3,061 |
| Assets per employee ($millions) | 4.5059% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 3,100 |
| Loan loss allowance to noncurrent loans | 104.4213% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.9863% | 1,618 |
| Noncurrent loans to loans | 1.3912% | 2,476 |
| Net loans and leases to total assets | 86.3511% | 163 |
| Net loans and leases to deposits | 108.7656% | 231 |
| Net loans and leases to core deposits | 123.7691% | 305 |
| Total domestic deposits to total assets | 79.3919% | 5,365 |
| Equity capital to assets | 12.4774% | 1,661 |
| Core capital (leverage) ratio | 12.1821% | 1,558 |
| Tier 1 risk-based capital ratio | 15.3157% | 3,463 |
| Total risk-based capital ratio | 16.5688% | 3,409 |
| Memoranda: | ||
| Average total assets | $65,585,670 | 5,515 |
| Average earning assets | $62,290,670 | 5,448 |
| Average equity | $7,618,000 | 5,368 |
| Average total loans | $56,128,670 | 4,682 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5454% | 270 |
| Cost of funding earning assets | 0.4904% | 3,008 |
| Net interest margin | 5.0550% | 240 |
| Noninterest income to average assets | 0.1795% | 5,892 |
| Noninterest expense to average assets | 3.5669% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9396% | 2,457 |
| Return on assets (ROA) | 0.9396% | 2,529 |
| Pretax return on assets | 1.4244% | 1,663 |
| Return on Equity (ROE) | 8.3828% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.3828% | 1,460 |
| Net charge-offs to loans | -0.1344% | 6,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4628% | 3,587 |
| Assets per employee ($millions) | 5.6638% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,671 |
| Loan loss allowance to noncurrent loans | 104.2802% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 2.2452% | 1,470 |
| Noncurrent loans to loans | 1.3295% | 2,811 |
| Net loans and leases to total assets | 84.1406% | 228 |
| Net loans and leases to deposits | 103.4478% | 312 |
| Net loans and leases to core deposits | 118.0111% | 364 |
| Total domestic deposits to total assets | 81.3363% | 5,144 |
| Equity capital to assets | 11.1776% | 2,549 |
| Core capital (leverage) ratio | 11.7211% | 1,819 |
| Tier 1 risk-based capital ratio | 14.0406% | 4,308 |
| Total risk-based capital ratio | 15.2929% | 4,239 |
| Memoranda: | ||
| Average total assets | $66,837,500 | 5,538 |
| Average earning assets | $63,620,500 | 5,451 |
| Average equity | $7,491,500 | 5,422 |
| Average total loans | $56,555,500 | 4,705 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 263 |
| Cost of funding earning assets | 0.6155% | 2,520 |
| Net interest margin | 5.1017% | 260 |
| Noninterest income to average assets | 0.1447% | 6,219 |
| Noninterest expense to average assets | 3.8106% | 1,115 |
| Loan and lease loss provision to assets | 0.1272% | 2,717 |
| Net operating income to assets | 0.6908% | 3,837 |
| Return on assets (ROA) | 0.6918% | 3,930 |
| Pretax return on assets | 1.0465% | 3,165 |
| Return on Equity (ROE) | 5.9845% | 4,093 |
| Retained earnings to average equity (ytd only) | 5.9845% | 1,981 |
| Net charge-offs to loans | 0.1768% | 3,062 |
| Credit loss provision to net charge-offs | 84.2105% | 2,921 |
| Earnings coverage of net charge-offs (x) | 7.7579% | 2,788 |
| Efficiency ratio | 76.4762% | 2,706 |
| Assets per employee ($millions) | 5.0545% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 3,526 |
| Loan loss allowance to noncurrent loans | 80.2041% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 2.6404% | 1,277 |
| Noncurrent loans to loans | 1.7779% | 2,262 |
| Net loans and leases to total assets | 82.6888% | 348 |
| Net loans and leases to deposits | 103.1084% | 354 |
| Net loans and leases to core deposits | 118.4470% | 361 |
| Total domestic deposits to total assets | 80.1960% | 5,401 |
| Equity capital to assets | 11.2405% | 2,394 |
| Core capital (leverage) ratio | 12.2493% | 1,469 |
| Tier 1 risk-based capital ratio | 14.1600% | 4,182 |
| Total risk-based capital ratio | 15.4138% | 4,126 |
| Memoranda: | ||
| Average total assets | $62,877,400 | 5,681 |
| Average earning assets | $59,627,600 | 5,603 |
| Average equity | $7,268,800 | 5,505 |
| Average total loans | $53,739,200 | 4,821 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8270% | 227 |
| Cost of funding earning assets | 0.6505% | 2,354 |
| Net interest margin | 5.1765% | 225 |
| Noninterest income to average assets | 0.1480% | 6,293 |
| Noninterest expense to average assets | 3.9461% | 914 |
| Loan and lease loss provision to assets | 0.1716% | 2,117 |
| Net operating income to assets | 0.6134% | 4,293 |
| Return on assets (ROA) | 0.6134% | 4,420 |
| Pretax return on assets | 0.9286% | 3,769 |
| Return on Equity (ROE) | 5.2672% | 4,586 |
| Retained earnings to average equity (ytd only) | 5.2672% | 2,893 |
| Net charge-offs to loans | 0.2397% | 2,372 |
| Credit loss provision to net charge-offs | 83.3333% | 2,766 |
| Earnings coverage of net charge-offs (x) | 5.3436% | 3,216 |
| Efficiency ratio | 78.1980% | 2,389 |
| Assets per employee ($millions) | 4.0616% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,575 |
| Loan loss allowance to noncurrent loans | 70.9239% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 3.4568% | 989 |
| Noncurrent loans to loans | 2.0766% | 2,160 |
| Net loans and leases to total assets | 85.9760% | 153 |
| Net loans and leases to deposits | 107.4792% | 205 |
| Net loans and leases to core deposits | 124.9493% | 250 |
| Total domestic deposits to total assets | 79.9931% | 5,512 |
| Equity capital to assets | 11.9181% | 1,973 |
| Core capital (leverage) ratio | 11.9018% | 1,738 |
| Tier 1 risk-based capital ratio | 13.7575% | 4,593 |
| Total risk-based capital ratio | 14.9825% | 4,566 |
| Memoranda: | ||
| Average total assets | $62,169,500 | 5,759 |
| Average earning assets | $58,828,250 | 5,690 |
| Average equity | $7,239,500 | 5,573 |
| Average total loans | $53,394,000 | 4,878 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8045% | 239 |
| Cost of funding earning assets | 0.6694% | 2,323 |
| Net interest margin | 5.1351% | 236 |
| Noninterest income to average assets | 0.1726% | 6,177 |
| Noninterest expense to average assets | 3.7677% | 1,144 |
| Loan and lease loss provision to assets | 0.2557% | 1,446 |
| Net operating income to assets | 0.6615% | 4,013 |
| Return on assets (ROA) | 0.6615% | 4,161 |
| Pretax return on assets | 1.0034% | 3,498 |
| Return on Equity (ROE) | 5.7243% | 4,331 |
| Retained earnings to average equity (ytd only) | 5.7243% | 2,595 |
| Net charge-offs to loans | 0.3778% | 1,697 |
| Credit loss provision to net charge-offs | 79.2079% | 2,644 |
| Earnings coverage of net charge-offs (x) | 3.9010% | 3,272 |
| Efficiency ratio | 74.9523% | 2,954 |
| Assets per employee ($millions) | 4.4641% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,733 |
| Loan loss allowance to noncurrent loans | 59.7542% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 4.2321% | 799 |
| Noncurrent loans to loans | 2.4567% | 1,898 |
| Net loans and leases to total assets | 83.5563% | 264 |
| Net loans and leases to deposits | 103.7984% | 270 |
| Net loans and leases to core deposits | 120.9267% | 304 |
| Total domestic deposits to total assets | 80.4986% | 5,474 |
| Equity capital to assets | 11.6436% | 2,176 |
| Core capital (leverage) ratio | 11.7724% | 1,747 |
| Tier 1 risk-based capital ratio | 13.2403% | 4,968 |
| Total risk-based capital ratio | 14.4922% | 4,904 |
| Memoranda: | ||
| Average total assets | $62,584,670 | 5,790 |
| Average earning assets | $59,161,000 | 5,721 |
| Average equity | $7,232,330 | 5,621 |
| Average total loans | $53,471,000 | 4,897 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8576% | 214 |
| Cost of funding earning assets | 0.6772% | 2,416 |
| Net interest margin | 5.1804% | 199 |
| Noninterest income to average assets | 0.1405% | 6,402 |
| Noninterest expense to average assets | 3.7874% | 1,129 |
| Loan and lease loss provision to assets | 0.3193% | 1,058 |
| Net operating income to assets | 0.6068% | 4,182 |
| Return on assets (ROA) | 0.6068% | 4,340 |
| Pretax return on assets | 0.9197% | 3,689 |
| Return on Equity (ROE) | 5.2705% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.2705% | 3,068 |
| Net charge-offs to loans | 0.5809% | 1,051 |
| Credit loss provision to net charge-offs | 64.1026% | 2,372 |
| Earnings coverage of net charge-offs (x) | 2.4872% | 3,020 |
| Efficiency ratio | 75.3494% | 3,035 |
| Assets per employee ($millions) | 5.1353% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 3,931 |
| Loan loss allowance to noncurrent loans | 60.6441% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 4.3230% | 872 |
| Noncurrent loans to loans | 2.4243% | 2,132 |
| Net loans and leases to total assets | 83.9575% | 192 |
| Net loans and leases to deposits | 104.5783% | 219 |
| Net loans and leases to core deposits | 121.0019% | 271 |
| Total domestic deposits to total assets | 80.2820% | 5,693 |
| Equity capital to assets | 11.7860% | 2,189 |
| Core capital (leverage) ratio | 11.2541% | 2,050 |
| Tier 1 risk-based capital ratio | 13.3089% | 5,001 |
| Total risk-based capital ratio | 14.5633% | 4,957 |
| Memoranda: | ||
| Average total assets | $62,628,000 | 5,847 |
| Average earning assets | $59,068,500 | 5,778 |
| Average equity | $7,210,000 | 5,685 |
| Average total loans | $53,707,000 | 4,925 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8418% | 343 |
| Cost of funding earning assets | 0.7980% | 2,684 |
| Net interest margin | 5.0438% | 359 |
| Noninterest income to average assets | -0.0693% | 6,900 |
| Noninterest expense to average assets | 3.9285% | 1,068 |
| Loan and lease loss provision to assets | 0.1556% | 3,666 |
| Net operating income to assets | 0.3620% | 5,246 |
| Return on assets (ROA) | 0.3620% | 5,474 |
| Pretax return on assets | 0.5500% | 5,135 |
| Return on Equity (ROE) | 3.3431% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.3431% | 3,868 |
| Net charge-offs to loans | 0.5124% | 2,194 |
| Credit loss provision to net charge-offs | 36.3309% | 5,002 |
| Earnings coverage of net charge-offs (x) | 1.6475% | 4,620 |
| Efficiency ratio | 84.7739% | 1,539 |
| Assets per employee ($millions) | 5.7847% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 3,912 |
| Loan loss allowance to noncurrent loans | 41.2371% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 5.2348% | 730 |
| Noncurrent loans to loans | 3.5334% | 1,406 |
| Net loans and leases to total assets | 85.0264% | 173 |
| Net loans and leases to deposits | 104.8852% | 244 |
| Net loans and leases to core deposits | 109.0147% | 569 |
| Total domestic deposits to total assets | 81.0661% | 5,384 |
| Equity capital to assets | 11.2475% | 2,689 |
| Core capital (leverage) ratio | 10.9346% | 2,311 |
| Tier 1 risk-based capital ratio | 12.4037% | 5,539 |
| Total risk-based capital ratio | 13.6569% | 5,486 |
| Memoranda: | ||
| Average total assets | $64,910,200 | 5,788 |
| Average earning assets | $60,529,800 | 5,726 |
| Average equity | $7,029,400 | 5,757 |
| Average total loans | $54,255,600 | 4,926 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8459% | 369 |
| Cost of funding earning assets | 0.8216% | 2,758 |
| Net interest margin | 5.0243% | 385 |
| Noninterest income to average assets | 0.0102% | 6,907 |
| Noninterest expense to average assets | 3.8570% | 1,121 |
| Loan and lease loss provision to assets | 0.1247% | 3,992 |
| Net operating income to assets | 0.4579% | 5,001 |
| Return on assets (ROA) | 0.4579% | 5,250 |
| Pretax return on assets | 0.7031% | 4,852 |
| Return on Equity (ROE) | 4.2681% | 5,165 |
| Retained earnings to average equity (ytd only) | 4.2681% | 3,890 |
| Net charge-offs to loans | 0.0937% | 4,441 |
| Credit loss provision to net charge-offs | 160.5263% | 1,735 |
| Earnings coverage of net charge-offs (x) | 10.6570% | 2,164 |
| Efficiency ratio | 82.3298% | 1,777 |
| Assets per employee ($millions) | 5.7691% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 2,619 |
| Loan loss allowance to noncurrent loans | 94.2507% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 4.2956% | 1,092 |
| Noncurrent loans to loans | 1.9714% | 2,869 |
| Net loans and leases to total assets | 83.2335% | 266 |
| Net loans and leases to deposits | 102.6528% | 323 |
| Net loans and leases to core deposits | 106.6834% | 708 |
| Total domestic deposits to total assets | 81.0826% | 5,328 |
| Equity capital to assets | 11.2212% | 3,016 |
| Core capital (leverage) ratio | 10.5419% | 2,867 |
| Tier 1 risk-based capital ratio | 12.2296% | 5,819 |
| Total risk-based capital ratio | 13.4865% | 5,786 |
| Memoranda: | ||
| Average total assets | $65,229,750 | 5,840 |
| Average earning assets | $60,690,750 | 5,779 |
| Average equity | $6,997,500 | 5,834 |
| Average total loans | $54,093,500 | 4,989 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7933% | 409 |
| Cost of funding earning assets | 0.8430% | 2,857 |
| Net interest margin | 4.9503% | 434 |
| Noninterest income to average assets | -0.0091% | 7,016 |
| Noninterest expense to average assets | 3.6858% | 1,404 |
| Loan and lease loss provision to assets | 0.0912% | 4,428 |
| Net operating income to assets | 0.5469% | 4,594 |
| Return on assets (ROA) | 0.5469% | 4,875 |
| Pretax return on assets | 0.8174% | 4,413 |
| Return on Equity (ROE) | 5.1751% | 4,723 |
| Retained earnings to average equity (ytd only) | 5.1751% | 3,171 |
| Net charge-offs to loans | 0.1403% | 3,802 |
| Credit loss provision to net charge-offs | 78.9474% | 3,346 |
| Earnings coverage of net charge-offs (x) | 7.8684% | 2,408 |
| Efficiency ratio | 80.2249% | 2,136 |
| Assets per employee ($millions) | 4.9425% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 2,839 |
| Loan loss allowance to noncurrent loans | 118.3150% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 4.8542% | 999 |
| Noncurrent loans to loans | 1.5253% | 3,617 |
| Net loans and leases to total assets | 82.0600% | 333 |
| Net loans and leases to deposits | 101.6816% | 354 |
| Net loans and leases to core deposits | 110.7712% | 551 |
| Total domestic deposits to total assets | 80.7028% | 5,557 |
| Equity capital to assets | 10.9847% | 3,137 |
| Core capital (leverage) ratio | 10.3402% | 2,999 |
| Tier 1 risk-based capital ratio | 12.0667% | 5,881 |
| Total risk-based capital ratio | 13.3229% | 5,861 |
| Memoranda: | ||
| Average total assets | $65,819,670 | 5,853 |
| Average earning assets | $61,208,670 | 5,794 |
| Average equity | $6,956,330 | 5,858 |
| Average total loans | $54,184,670 | 5,023 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7777% | 443 |
| Cost of funding earning assets | 0.8586% | 3,004 |
| Net interest margin | 4.9191% | 456 |
| Noninterest income to average assets | -0.1381% | 7,181 |
| Noninterest expense to average assets | 3.5374% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5946% | 4,367 |
| Return on assets (ROA) | 0.5946% | 4,584 |
| Pretax return on assets | 0.9009% | 4,028 |
| Return on Equity (ROE) | 5.7346% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.7346% | 3,123 |
| Net charge-offs to loans | -0.0808% | 6,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7023% | 2,234 |
| Assets per employee ($millions) | 5.0613% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,931 |
| Loan loss allowance to noncurrent loans | 149.2447% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 4.3239% | 1,248 |
| Noncurrent loans to loans | 1.2186% | 4,298 |
| Net loans and leases to total assets | 81.0599% | 335 |
| Net loans and leases to deposits | 101.2337% | 334 |
| Net loans and leases to core deposits | 111.3071% | 487 |
| Total domestic deposits to total assets | 80.0720% | 5,837 |
| Equity capital to assets | 10.5765% | 3,404 |
| Core capital (leverage) ratio | 9.9004% | 3,495 |
| Tier 1 risk-based capital ratio | 11.6064% | 6,217 |
| Total risk-based capital ratio | 12.8624% | 6,192 |
| Memoranda: | ||
| Average total assets | $66,603,000 | 5,865 |
| Average earning assets | $61,962,500 | 5,809 |
| Average equity | $6,905,500 | 5,902 |
| Average total loans | $54,429,500 | 5,046 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9369% | 480 |
| Cost of funding earning assets | 0.9794% | 3,515 |
| Net interest margin | 4.9575% | 448 |
| Noninterest income to average assets | 0.3438% | 5,064 |
| Noninterest expense to average assets | 3.9432% | 1,125 |
| Loan and lease loss provision to assets | 0.7065% | 1,446 |
| Net operating income to assets | 0.1602% | 5,705 |
| Return on assets (ROA) | 0.1602% | 5,843 |
| Pretax return on assets | 0.2433% | 5,682 |
| Return on Equity (ROE) | 1.6220% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.6220% | 5,058 |
| Net charge-offs to loans | 0.9621% | 1,792 |
| Credit loss provision to net charge-offs | 89.4834% | 4,030 |
| Earnings coverage of net charge-offs (x) | 1.2030% | 4,883 |
| Efficiency ratio | 80.5895% | 2,221 |
| Assets per employee ($millions) | 5.1853% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 2,897 |
| Loan loss allowance to noncurrent loans | 121.0657% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 4.5098% | 1,217 |
| Noncurrent loans to loans | 1.4798% | 3,933 |
| Net loans and leases to total assets | 79.4538% | 547 |
| Net loans and leases to deposits | 96.9991% | 625 |
| Net loans and leases to core deposits | 108.2875% | 687 |
| Total domestic deposits to total assets | 81.9119% | 5,161 |
| Equity capital to assets | 10.1648% | 3,949 |
| Core capital (leverage) ratio | 9.8168% | 3,568 |
| Tier 1 risk-based capital ratio | 11.3316% | 6,273 |
| Total risk-based capital ratio | 12.5816% | 6,256 |
| Memoranda: | ||
| Average total assets | $68,649,400 | 5,791 |
| Average earning assets | $62,995,600 | 5,768 |
| Average equity | $6,781,600 | 5,932 |
| Average total loans | $56,337,000 | 5,013 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0066% | 450 |
| Cost of funding earning assets | 1.0170% | 3,550 |
| Net interest margin | 4.9897% | 424 |
| Noninterest income to average assets | 0.8662% | 1,770 |
| Noninterest expense to average assets | 4.3503% | 674 |
| Loan and lease loss provision to assets | 0.7831% | 1,197 |
| Net operating income to assets | 0.1953% | 5,712 |
| Return on assets (ROA) | 0.1953% | 5,844 |
| Pretax return on assets | 0.2958% | 5,711 |
| Return on Equity (ROE) | 1.9908% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.9908% | 5,141 |
| Net charge-offs to loans | 1.0636% | 1,496 |
| Credit loss provision to net charge-offs | 89.4040% | 3,791 |
| Earnings coverage of net charge-offs (x) | 1.2318% | 4,694 |
| Efficiency ratio | 80.1282% | 2,240 |
| Assets per employee ($millions) | 5.0555% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 2,818 |
| Loan loss allowance to noncurrent loans | 240.8313% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 3.9089% | 1,580 |
| Noncurrent loans to loans | 0.7616% | 5,351 |
| Net loans and leases to total assets | 80.2118% | 495 |
| Net loans and leases to deposits | 100.9228% | 431 |
| Net loans and leases to core deposits | 115.2867% | 520 |
| Total domestic deposits to total assets | 79.4784% | 5,874 |
| Equity capital to assets | 10.3939% | 3,843 |
| Core capital (leverage) ratio | 9.8727% | 3,614 |
| Tier 1 risk-based capital ratio | 12.1538% | 5,777 |
| Total risk-based capital ratio | 13.4099% | 5,764 |
| Memoranda: | ||
| Average total assets | $68,959,500 | 5,815 |
| Average earning assets | $63,062,250 | 5,806 |
| Average equity | $6,764,000 | 5,977 |
| Average total loans | $56,787,250 | 5,045 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 623 |
| Cost of funding earning assets | 1.0335% | 3,720 |
| Net interest margin | 4.8354% | 573 |
| Noninterest income to average assets | 0.9423% | 1,489 |
| Noninterest expense to average assets | 4.4375% | 640 |
| Loan and lease loss provision to assets | 0.7853% | 1,179 |
| Net operating income to assets | 0.1171% | 5,971 |
| Return on assets (ROA) | 0.1171% | 6,060 |
| Pretax return on assets | 0.1685% | 5,984 |
| Return on Equity (ROE) | 1.2163% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.2163% | 5,367 |
| Net charge-offs to loans | 1.0585% | 1,484 |
| Credit loss provision to net charge-offs | 89.8693% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.0915% | 4,461 |
| Efficiency ratio | 82.3093% | 2,059 |
| Assets per employee ($millions) | 4.4691% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8196% | 2,922 |
| Loan loss allowance to noncurrent loans | 128.2971% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 4.9048% | 1,252 |
| Noncurrent loans to loans | 1.4183% | 4,297 |
| Net loans and leases to total assets | 80.6480% | 481 |
| Net loans and leases to deposits | 102.0576% | 388 |
| Net loans and leases to core deposits | 116.3643% | 512 |
| Total domestic deposits to total assets | 79.0220% | 6,082 |
| Equity capital to assets | 10.0183% | 4,123 |
| Core capital (leverage) ratio | 9.3774% | 4,146 |
| Tier 1 risk-based capital ratio | 11.5073% | 6,164 |
| Total risk-based capital ratio | 12.7652% | 6,140 |
| Memoranda: | ||
| Average total assets | $70,039,000 | 5,825 |
| Average earning assets | $64,441,330 | 5,807 |
| Average equity | $6,741,670 | 6,007 |
| Average total loans | $57,816,000 | 5,052 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7373% | 821 |
| Cost of funding earning assets | 1.0636% | 3,761 |
| Net interest margin | 4.6737% | 745 |
| Noninterest income to average assets | 1.4034% | 659 |
| Noninterest expense to average assets | 4.1879% | 829 |
| Loan and lease loss provision to assets | 0.4193% | 2,093 |
| Net operating income to assets | 0.7213% | 3,427 |
| Return on assets (ROA) | 0.7213% | 3,489 |
| Pretax return on assets | 1.0959% | 2,768 |
| Return on Equity (ROE) | 7.6394% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.6394% | 1,868 |
| Net charge-offs to loans | -0.0068% | 6,284 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4314% | 3,616 |
| Assets per employee ($millions) | 4.9761% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8901% | 2,721 |
| Loan loss allowance to noncurrent loans | 56.9081% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 5.2351% | 1,190 |
| Noncurrent loans to loans | 3.3213% | 2,261 |
| Net loans and leases to total assets | 82.5580% | 302 |
| Net loans and leases to deposits | 103.4164% | 332 |
| Net loans and leases to core deposits | 119.6215% | 426 |
| Total domestic deposits to total assets | 79.8306% | 5,985 |
| Equity capital to assets | 9.6246% | 4,285 |
| Core capital (leverage) ratio | 9.0539% | 4,522 |
| Tier 1 risk-based capital ratio | 10.8092% | 6,634 |
| Total risk-based capital ratio | 12.0667% | 6,609 |
| Memoranda: | ||
| Average total assets | $71,540,000 | 5,830 |
| Average earning assets | $65,815,500 | 5,801 |
| Average equity | $6,754,500 | 6,005 |
| Average total loans | $59,191,000 | 5,043 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8127% | 1,248 |
| Cost of funding earning assets | 1.2936% | 3,923 |
| Net interest margin | 4.5191% | 1,185 |
| Noninterest income to average assets | 0.5190% | 4,032 |
| Noninterest expense to average assets | 3.5224% | 2,114 |
| Loan and lease loss provision to assets | 1.5804% | 915 |
| Net operating income to assets | -0.0941% | 5,982 |
| Return on assets (ROA) | -0.0832% | 6,033 |
| Pretax return on assets | -0.3863% | 6,235 |
| Return on Equity (ROE) | -0.9250% | 6,059 |
| Retained earnings to average equity (ytd only) | -0.9250% | 5,794 |
| Net charge-offs to loans | 1.6548% | 1,315 |
| Credit loss provision to net charge-offs | 118.7683% | 3,577 |
| Earnings coverage of net charge-offs (x) | 0.8847% | 5,237 |
| Efficiency ratio | 74.9516% | 3,215 |
| Assets per employee ($millions) | 5.2439% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 3,108 |
| Loan loss allowance to noncurrent loans | 103.4034% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 4.9881% | 1,287 |
| Noncurrent loans to loans | 1.6717% | 3,991 |
| Net loans and leases to total assets | 79.9932% | 659 |
| Net loans and leases to deposits | 99.1675% | 626 |
| Net loans and leases to core deposits | 113.5809% | 741 |
| Total domestic deposits to total assets | 80.6647% | 5,634 |
| Equity capital to assets | 9.2679% | 4,726 |
| Core capital (leverage) ratio | 8.5215% | 5,323 |
| Tier 1 risk-based capital ratio | 10.1148% | 6,925 |
| Total risk-based capital ratio | 11.3699% | 6,903 |
| Memoranda: | ||
| Average total assets | $76,880,400 | 5,683 |
| Average earning assets | $71,120,000 | 5,628 |
| Average equity | $6,919,200 | 6,060 |
| Average total loans | $61,818,800 | 4,993 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8238% | 1,332 |
| Cost of funding earning assets | 1.3397% | 3,978 |
| Net interest margin | 4.4841% | 1,295 |
| Noninterest income to average assets | 0.4647% | 4,456 |
| Noninterest expense to average assets | 3.5825% | 1,831 |
| Loan and lease loss provision to assets | 1.5263% | 863 |
| Net operating income to assets | -0.4750% | 6,576 |
| Return on assets (ROA) | -0.4527% | 6,601 |
| Pretax return on assets | -0.4544% | 6,515 |
| Return on Equity (ROE) | -5.0661% | 6,655 |
| Retained earnings to average equity (ytd only) | -5.0661% | 6,560 |
| Net charge-offs to loans | 1.4930% | 1,347 |
| Credit loss provision to net charge-offs | 127.5072% | 3,196 |
| Earnings coverage of net charge-offs (x) | 0.8768% | 5,170 |
| Efficiency ratio | 77.3417% | 2,714 |
| Assets per employee ($millions) | 4.6826% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,183 |
| Loan loss allowance to noncurrent loans | 131.5924% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 4.6035% | 1,461 |
| Noncurrent loans to loans | 1.2835% | 4,714 |
| Net loans and leases to total assets | 80.2541% | 706 |
| Net loans and leases to deposits | 99.3457% | 696 |
| Net loans and leases to core deposits | 113.5540% | 859 |
| Total domestic deposits to total assets | 80.7827% | 5,457 |
| Equity capital to assets | 8.9493% | 5,651 |
| Core capital (leverage) ratio | 8.3901% | 5,714 |
| Tier 1 risk-based capital ratio | 10.0774% | 7,024 |
| Total risk-based capital ratio | 11.3332% | 7,003 |
| Memoranda: | ||
| Average total assets | $77,746,750 | 5,727 |
| Average earning assets | $72,253,750 | 5,662 |
| Average equity | $6,948,000 | 6,134 |
| Average total loans | $62,333,500 | 5,055 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 1,569 |
| Cost of funding earning assets | 1.3490% | 4,193 |
| Net interest margin | 4.3960% | 1,460 |
| Noninterest income to average assets | 0.4829% | 4,255 |
| Noninterest expense to average assets | 3.6956% | 1,565 |
| Loan and lease loss provision to assets | 0.3050% | 3,952 |
| Net operating income to assets | 0.3849% | 4,823 |
| Return on assets (ROA) | 0.4067% | 4,887 |
| Pretax return on assets | 0.6151% | 4,525 |
| Return on Equity (ROE) | 4.5526% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.5526% | 3,173 |
| Net charge-offs to loans | 0.1881% | 4,481 |
| Credit loss provision to net charge-offs | 203.3898% | 1,919 |
| Earnings coverage of net charge-offs (x) | 5.9153% | 2,571 |
| Efficiency ratio | 80.6434% | 2,350 |
| Assets per employee ($millions) | 4.9265% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,036 |
| Loan loss allowance to noncurrent loans | 216.8269% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 4.2322% | 1,587 |
| Noncurrent loans to loans | 0.6804% | 5,889 |
| Net loans and leases to total assets | 76.4260% | 1,412 |
| Net loans and leases to deposits | 93.1587% | 1,378 |
| Net loans and leases to core deposits | 109.5787% | 1,193 |
| Total domestic deposits to total assets | 82.0385% | 4,966 |
| Equity capital to assets | 9.0353% | 5,391 |
| Core capital (leverage) ratio | 8.9185% | 4,725 |
| Tier 1 risk-based capital ratio | 10.5133% | 6,677 |
| Total risk-based capital ratio | 11.7649% | 6,663 |
| Memoranda: | ||
| Average total assets | $78,688,330 | 5,735 |
| Average earning assets | $73,385,000 | 5,662 |
| Average equity | $7,029,000 | 6,129 |
| Average total loans | $62,724,330 | 5,072 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8121% | 1,417 |
| Cost of funding earning assets | 1.2185% | 5,294 |
| Net interest margin | 4.5936% | 963 |
| Noninterest income to average assets | 0.3765% | 5,127 |
| Noninterest expense to average assets | 3.5665% | 1,808 |
| Loan and lease loss provision to assets | 0.3053% | 3,596 |
| Net operating income to assets | 0.5567% | 4,102 |
| Return on assets (ROA) | 0.6004% | 4,040 |
| Pretax return on assets | 0.9056% | 3,449 |
| Return on Equity (ROE) | 6.7598% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.7598% | 2,237 |
| Net charge-offs to loans | 0.0441% | 4,975 |
| Credit loss provision to net charge-offs | 857.1429% | 539 |
| Earnings coverage of net charge-offs (x) | 32.1429% | 835 |
| Efficiency ratio | 75.7019% | 3,274 |
| Assets per employee ($millions) | 5.7594% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 4,379 |
| Loan loss allowance to noncurrent loans | 35.6602% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 4.6049% | 1,461 |
| Noncurrent loans to loans | 3.9518% | 1,993 |
| Net loans and leases to total assets | 77.5685% | 1,228 |
| Net loans and leases to deposits | 101.5193% | 666 |
| Net loans and leases to core deposits | 130.6341% | 476 |
| Total domestic deposits to total assets | 76.4076% | 6,681 |
| Equity capital to assets | 8.7298% | 5,690 |
| Core capital (leverage) ratio | 8.9577% | 4,638 |
| Tier 1 risk-based capital ratio | 10.2810% | 6,816 |
| Total risk-based capital ratio | 11.5290% | 6,812 |
| Memoranda: | ||
| Average total assets | $78,620,500 | 5,807 |
| Average earning assets | $74,190,500 | 5,699 |
| Average equity | $6,982,500 | 6,196 |
| Average total loans | $63,514,500 | 5,111 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0956% | 1,529 |
| Cost of funding earning assets | 1.8954% | 3,484 |
| Net interest margin | 4.2002% | 2,058 |
| Noninterest income to average assets | 0.4177% | 5,066 |
| Noninterest expense to average assets | 4.3701% | 910 |
| Loan and lease loss provision to assets | 1.4958% | 1,539 |
| Net operating income to assets | -0.4990% | 6,178 |
| Return on assets (ROA) | -0.4990% | 6,174 |
| Pretax return on assets | -1.4310% | 6,656 |
| Return on Equity (ROE) | -5.2549% | 6,236 |
| Retained earnings to average equity (ytd only) | -5.2549% | 6,058 |
| Net charge-offs to loans | 2.1576% | 1,117 |
| Credit loss provision to net charge-offs | 79.6038% | 6,286 |
| Earnings coverage of net charge-offs (x) | 0.0345% | 6,149 |
| Efficiency ratio | 98.5390% | 1,178 |
| Assets per employee ($millions) | 5.1073% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,631 |
| Loan loss allowance to noncurrent loans | 31.9165% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 5.8283% | 977 |
| Noncurrent loans to loans | 4.1437% | 1,771 |
| Net loans and leases to total assets | 81.9081% | 694 |
| Net loans and leases to deposits | 110.9581% | 351 |
| Net loans and leases to core deposits | 157.9704% | 365 |
| Total domestic deposits to total assets | 73.8190% | 7,043 |
| Equity capital to assets | 9.0407% | 5,076 |
| Core capital (leverage) ratio | 9.0081% | 4,404 |
| Tier 1 risk-based capital ratio | 10.0400% | 6,833 |
| Total risk-based capital ratio | 11.2906% | 6,807 |
| Memoranda: | ||
| Average total assets | $72,538,800 | 5,928 |
| Average earning assets | $69,378,400 | 5,829 |
| Average equity | $6,888,800 | 6,303 |
| Average total loans | $63,170,600 | 5,131 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1146% | 1,596 |
| Cost of funding earning assets | 2.0951% | 2,909 |
| Net interest margin | 4.0195% | 2,729 |
| Noninterest income to average assets | 0.2535% | 6,416 |
| Noninterest expense to average assets | 4.3287% | 876 |
| Loan and lease loss provision to assets | 1.9388% | 944 |
| Net operating income to assets | -0.7774% | 6,672 |
| Return on assets (ROA) | -0.7774% | 6,679 |
| Pretax return on assets | -2.1513% | 7,233 |
| Return on Equity (ROE) | -8.0818% | 6,740 |
| Retained earnings to average equity (ytd only) | -8.0818% | 6,613 |
| Net charge-offs to loans | 2.6490% | 684 |
| Credit loss provision to net charge-offs | 83.0008% | 5,679 |
| Earnings coverage of net charge-offs (x) | -0.0910% | 6,168 |
| Efficiency ratio | 105.1630% | 880 |
| Assets per employee ($millions) | 4.4042% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 3,685 |
| Loan loss allowance to noncurrent loans | 23.2666% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 6.4115% | 794 |
| Noncurrent loans to loans | 6.2391% | 937 |
| Net loans and leases to total assets | 87.2848% | 251 |
| Net loans and leases to deposits | 119.3337% | 218 |
| Net loans and leases to core deposits | 177.4326% | 201 |
| Total domestic deposits to total assets | 73.1435% | 7,069 |
| Equity capital to assets | 9.7180% | 4,474 |
| Core capital (leverage) ratio | 9.2931% | 4,200 |
| Tier 1 risk-based capital ratio | 10.8999% | 6,054 |
| Total risk-based capital ratio | 12.1529% | 6,009 |
| Memoranda: | ||
| Average total assets | $71,521,250 | 5,998 |
| Average earning assets | $68,730,000 | 5,892 |
| Average equity | $6,879,500 | 6,363 |
| Average total loans | $63,065,750 | 5,165 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0778% | 1,861 |
| Cost of funding earning assets | 2.2127% | 2,733 |
| Net interest margin | 3.8650% | 3,271 |
| Noninterest income to average assets | 0.2365% | 6,589 |
| Noninterest expense to average assets | 4.3132% | 933 |
| Loan and lease loss provision to assets | 1.5722% | 1,081 |
| Net operating income to assets | -1.9256% | 7,413 |
| Return on assets (ROA) | -1.9256% | 7,401 |
| Pretax return on assets | -1.9256% | 7,264 |
| Return on Equity (ROE) | -20.0871% | 7,504 |
| Retained earnings to average equity (ytd only) | -20.0871% | 7,457 |
| Net charge-offs to loans | 3.3279% | 479 |
| Credit loss provision to net charge-offs | 53.6562% | 5,708 |
| Earnings coverage of net charge-offs (x) | -0.1206% | 5,813 |
| Efficiency ratio | 108.9248% | 880 |
| Assets per employee ($millions) | 4.5479% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,103 |
| Loan loss allowance to noncurrent loans | 22.4555% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 5.0064% | 1,059 |
| Noncurrent loans to loans | 4.5253% | 1,419 |
| Net loans and leases to total assets | 84.4682% | 563 |
| Net loans and leases to deposits | 113.4690% | 422 |
| Net loans and leases to core deposits | 190.1999% | 159 |
| Total domestic deposits to total assets | 74.4417% | 6,879 |
| Equity capital to assets | 8.9711% | 5,356 |
| Core capital (leverage) ratio | 8.9377% | 4,730 |
| Tier 1 risk-based capital ratio | 11.0540% | 5,826 |
| Total risk-based capital ratio | 12.1361% | 5,939 |
| Memoranda: | ||
| Average total assets | $71,872,670 | 6,035 |
| Average earning assets | $69,236,000 | 5,912 |
| Average equity | $6,890,000 | 6,409 |
| Average total loans | $63,283,330 | 5,196 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1167% | 1,884 |
| Cost of funding earning assets | 2.2734% | 2,821 |
| Net interest margin | 3.8433% | 3,282 |
| Noninterest income to average assets | 0.1176% | 7,437 |
| Noninterest expense to average assets | 4.2954% | 859 |
| Loan and lease loss provision to assets | 1.0640% | 1,233 |
| Net operating income to assets | -1.5401% | 7,512 |
| Return on assets (ROA) | -1.5401% | 7,514 |
| Pretax return on assets | -1.5401% | 7,380 |
| Return on Equity (ROE) | -15.5565% | 7,630 |
| Retained earnings to average equity (ytd only) | -15.5565% | 7,466 |
| Net charge-offs to loans | 1.4778% | 976 |
| Credit loss provision to net charge-offs | 80.5085% | 4,180 |
| Earnings coverage of net charge-offs (x) | -0.3602% | 5,207 |
| Efficiency ratio | 112.4633% | 760 |
| Assets per employee ($millions) | 4.3823% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 2,269 |
| Loan loss allowance to noncurrent loans | 39.3407% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 4.7826% | 968 |
| Noncurrent loans to loans | 4.2167% | 1,400 |
| Net loans and leases to total assets | 85.4615% | 502 |
| Net loans and leases to deposits | 114.6489% | 420 |
| Net loans and leases to core deposits | 199.9435% | 143 |
| Total domestic deposits to total assets | 74.5419% | 6,795 |
| Equity capital to assets | 9.3035% | 4,933 |
| Core capital (leverage) ratio | 10.0961% | 3,294 |
| Tier 1 risk-based capital ratio | 11.3061% | 5,592 |
| Total risk-based capital ratio | 12.5629% | 5,496 |
| Memoranda: | ||
| Average total assets | $71,425,500 | 6,087 |
| Average earning assets | $68,795,000 | 5,954 |
| Average equity | $7,071,000 | 6,379 |
| Average total loans | $63,877,000 | 5,211 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3000% | 596 |
| Cost of funding earning assets | 3.0845% | 1,556 |
| Net interest margin | 4.2155% | 2,254 |
| Noninterest income to average assets | 0.2184% | 6,878 |
| Noninterest expense to average assets | 4.1444% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1451% | 5,991 |
| Return on assets (ROA) | 0.2214% | 5,611 |
| Pretax return on assets | 0.2214% | 5,684 |
| Return on Equity (ROE) | 2.0737% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.0737% | 3,944 |
| Net charge-offs to loans | 0.1990% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 0.8509% | 5,717 |
| Efficiency ratio | 96.6167% | 1,117 |
| Assets per employee ($millions) | 3.4176% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 1,689 |
| Loan loss allowance to noncurrent loans | 45.5248% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 3.9004% | 1,073 |
| Noncurrent loans to loans | 3.9008% | 1,265 |
| Net loans and leases to total assets | 90.5504% | 161 |
| Net loans and leases to deposits | 115.0128% | 570 |
| Net loans and leases to core deposits | 200.5866% | 168 |
| Total domestic deposits to total assets | 78.7307% | 5,473 |
| Equity capital to assets | 10.5498% | 3,441 |
| Core capital (leverage) ratio | 10.5140% | 2,968 |
| Tier 1 risk-based capital ratio | 12.2956% | 4,588 |
| Total risk-based capital ratio | 13.5575% | 4,467 |
| Memoranda: | ||
| Average total assets | $66,836,600 | 6,132 |
| Average earning assets | $64,548,200 | 6,005 |
| Average equity | $7,137,000 | 6,409 |
| Average total loans | $57,277,400 | 5,396 |