Home > Western National Bank > Performance and Condition Ratios
Western National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8638% | 1,383 |
| Cost of funding earning assets | 2.0796% | 1,710 |
| Net interest margin | 3.7842% | 1,712 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 2.4112% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1411% | 1,886 |
| Return on assets (ROA) | 1.1411% | 1,882 |
| Pretax return on assets | 1.1701% | 2,308 |
| Return on Equity (ROE) | 12.9500% | 1,501 |
| Retained earnings to average equity (ytd only) | 12.6403% | 681 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 67.3276% | 2,115 |
| Assets per employee ($millions) | 5.7187% | 3,154 |
| Cash dividends to net income (ytd only)* | 2.4045% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 2,434 |
| Loan loss allowance to noncurrent loans | 3,703.2787% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,545 |
| Noncurrent loans to loans | 0.0312% | 3,546 |
| Net loans and leases to total assets | 78.5500% | 759 |
| Net loans and leases to deposits | 86.9619% | 1,403 |
| Net loans and leases to core deposits | 94.9909% | 1,703 |
| Total domestic deposits to total assets | 90.3200% | 711 |
| Equity capital to assets | 9.0760% | 2,884 |
| Core capital (leverage) ratio | 9.1110% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7430% | 2,290 |
| Memoranda: | ||
| Average total assets | $247,841,000 | 2,741 |
| Average earning assets | $225,042,000 | 2,767 |
| Average equity | $21,835,000 | 2,899 |
| Average total loans | $198,794,500 | 2,413 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6947% | 1,761 |
| Cost of funding earning assets | 2.1251% | 1,927 |
| Net interest margin | 3.5696% | 1,926 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.4667% | 2,394 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 0.8504% | 2,547 |
| Return on assets (ROA) | 0.8504% | 2,553 |
| Pretax return on assets | 0.8800% | 2,864 |
| Return on Equity (ROE) | 9.6500% | 2,253 |
| Retained earnings to average equity (ytd only) | 1.5514% | 3,518 |
| Net charge-offs to loans | 0.0016% | 2,989 |
| Credit loss provision to net charge-offs | 7,333.3333% | 68 |
| Earnings coverage of net charge-offs (x) | 788.0000% | 170 |
| Efficiency ratio | 71.7698% | 1,790 |
| Assets per employee ($millions) | 5.6768% | 3,146 |
| Cash dividends to net income (ytd only)* | 83.9286% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 2,606 |
| Loan loss allowance to noncurrent loans | 3,645.1613% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,533 |
| Noncurrent loans to loans | 0.0307% | 3,524 |
| Net loans and leases to total assets | 80.0400% | 647 |
| Net loans and leases to deposits | 94.4490% | 833 |
| Net loans and leases to core deposits | 103.3829% | 1,253 |
| Total domestic deposits to total assets | 84.7400% | 2,604 |
| Equity capital to assets | 8.5483% | 3,159 |
| Core capital (leverage) ratio | 8.8319% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9992% | 2,526 |
| Memoranda: | ||
| Average total assets | $243,646,000 | 2,741 |
| Average earning assets | $222,013,400 | 2,762 |
| Average equity | $21,465,000 | 2,871 |
| Average total loans | $190,182,800 | 2,438 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6349% | 1,833 |
| Cost of funding earning assets | 2.0945% | 1,995 |
| Net interest margin | 3.5404% | 1,938 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 2.4093% | 2,491 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 0.8960% | 2,395 |
| Return on assets (ROA) | 0.8960% | 2,401 |
| Pretax return on assets | 0.9257% | 2,748 |
| Return on Equity (ROE) | 10.0900% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.0632% | 2,829 |
| Net charge-offs to loans | 0.0007% | 2,806 |
| Credit loss provision to net charge-offs | 15,000.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 1,831.0000% | 60 |
| Efficiency ratio | 70.4963% | 1,959 |
| Assets per employee ($millions) | 5.4629% | 3,308 |
| Cash dividends to net income (ytd only)* | 59.7419% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 2,515 |
| 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 | 78.8000% | 795 |
| Net loans and leases to deposits | 89.5216% | 1,288 |
| Net loans and leases to core deposits | 97.5366% | 1,659 |
| Total domestic deposits to total assets | 88.0300% | 1,230 |
| Equity capital to assets | 9.2696% | 2,838 |
| Core capital (leverage) ratio | 9.1135% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7738% | 2,323 |
| Memoranda: | ||
| Average total assets | $242,112,500 | 2,744 |
| Average earning assets | $220,572,500 | 2,764 |
| Average equity | $21,493,250 | 2,867 |
| Average total loans | $187,182,250 | 2,456 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4960% | 1,983 |
| Cost of funding earning assets | 2.0436% | 2,017 |
| Net interest margin | 3.4524% | 2,070 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 2.3824% | 2,570 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8117% | 2,592 |
| Return on assets (ROA) | 0.8117% | 2,609 |
| Pretax return on assets | 0.8414% | 2,895 |
| Return on Equity (ROE) | 9.2800% | 2,377 |
| Retained earnings to average equity (ytd only) | 3.0616% | 3,025 |
| Net charge-offs to loans | 0.0011% | 2,563 |
| Credit loss provision to net charge-offs | 15,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,171.0000% | 88 |
| Efficiency ratio | 71.1718% | 1,958 |
| Assets per employee ($millions) | 5.7348% | 3,022 |
| Cash dividends to net income (ytd only)* | 67.0051% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,413 |
| Loan loss allowance to noncurrent loans | 5,343.9024% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 3,618 |
| Noncurrent loans to loans | 0.0218% | 3,618 |
| Net loans and leases to total assets | 77.0600% | 1,025 |
| Net loans and leases to deposits | 85.0741% | 1,744 |
| Net loans and leases to core deposits | 92.2879% | 1,986 |
| Total domestic deposits to total assets | 90.5800% | 552 |
| Equity capital to assets | 8.8350% | 2,854 |
| Core capital (leverage) ratio | 9.0865% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7905% | 2,334 |
| Memoranda: | ||
| Average total assets | $242,694,667 | 2,737 |
| Average earning assets | $220,889,333 | 2,758 |
| Average equity | $21,230,667 | 2,857 |
| Average total loans | $185,707,000 | 2,457 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4032% | 1,994 |
| Cost of funding earning assets | 1.9998% | 1,992 |
| Net interest margin | 3.4034% | 2,095 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.3562% | 2,637 |
| Loan and lease loss provision to assets | 0.2500% | 381 |
| Net operating income to assets | 0.6174% | 3,109 |
| Return on assets (ROA) | 0.6174% | 3,132 |
| Pretax return on assets | 0.6469% | 3,287 |
| Return on Equity (ROE) | 7.0900% | 2,929 |
| Retained earnings to average equity (ytd only) | 6.2247% | 2,041 |
| Net charge-offs to loans | 0.0043% | 1,985 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 272.0000% | 334 |
| Efficiency ratio | 72.5114% | 1,896 |
| Assets per employee ($millions) | 5.7865% | 3,007 |
| Cash dividends to net income (ytd only)* | 12.2340% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,445 |
| Loan loss allowance to noncurrent loans | 219,100.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,143 |
| Noncurrent loans to loans | 0.0005% | 3,833 |
| Net loans and leases to total assets | 76.3000% | 1,034 |
| Net loans and leases to deposits | 87.4976% | 1,406 |
| Net loans and leases to core deposits | 95.1665% | 1,693 |
| Total domestic deposits to total assets | 87.2000% | 1,706 |
| Equity capital to assets | 8.7621% | 2,835 |
| Core capital (leverage) ratio | 8.8714% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8584% | 2,291 |
| Memoranda: | ||
| Average total assets | $243,611,500 | 2,741 |
| Average earning assets | $221,425,500 | 2,759 |
| Average equity | $21,206,000 | 2,864 |
| Average total loans | $184,664,000 | 2,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 2,400 |
| Cost of funding earning assets | 1.4007% | 2,229 |
| Net interest margin | 3.4363% | 2,331 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.4938% | 2,312 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8321% | 2,773 |
| Return on assets (ROA) | 0.8321% | 2,748 |
| Pretax return on assets | 0.8321% | 3,135 |
| Return on Equity (ROE) | 9.9600% | 2,506 |
| Retained earnings to average equity (ytd only) | 5.5301% | 2,400 |
| Net charge-offs to loans | 0.0990% | 916 |
| Credit loss provision to net charge-offs | 116.2791% | 1,706 |
| Earnings coverage of net charge-offs (x) | 12.7907% | 2,129 |
| Efficiency ratio | 73.1511% | 1,540 |
| Assets per employee ($millions) | 5.8140% | 2,972 |
| Cash dividends to net income (ytd only)* | 44.5000% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 2,697 |
| Loan loss allowance to noncurrent loans | 204,300.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,046 |
| Noncurrent loans to loans | 0.0006% | 3,806 |
| Net loans and leases to total assets | 73.5700% | 1,415 |
| Net loans and leases to deposits | 85.3100% | 1,668 |
| Net loans and leases to core deposits | 91.6451% | 1,930 |
| Total domestic deposits to total assets | 86.2400% | 1,937 |
| Equity capital to assets | 8.6478% | 2,934 |
| Core capital (leverage) ratio | 8.9433% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8976% | 2,273 |
| Memoranda: | ||
| Average total assets | $240,358,600 | 2,733 |
| Average earning assets | $215,670,600 | 2,768 |
| Average equity | $20,072,000 | 2,849 |
| Average total loans | $173,670,800 | 2,500 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 2,338 |
| Cost of funding earning assets | 1.2697% | 2,223 |
| Net interest margin | 3.4974% | 2,215 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.4806% | 2,298 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9139% | 2,633 |
| Return on assets (ROA) | 0.9139% | 2,619 |
| Pretax return on assets | 0.9139% | 3,071 |
| Return on Equity (ROE) | 11.0400% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.0734% | 2,256 |
| Net charge-offs to loans | 0.1336% | 606 |
| Credit loss provision to net charge-offs | 116.2791% | 1,506 |
| Earnings coverage of net charge-offs (x) | 10.7035% | 2,114 |
| Efficiency ratio | 70.7546% | 1,701 |
| Assets per employee ($millions) | 5.3979% | 3,263 |
| Cash dividends to net income (ytd only)* | 35.9537% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 2,418 |
| Loan loss allowance to noncurrent loans | 102,150.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,075 |
| Noncurrent loans to loans | 0.0012% | 3,825 |
| Net loans and leases to total assets | 71.5100% | 1,638 |
| Net loans and leases to deposits | 84.4539% | 1,703 |
| Net loans and leases to core deposits | 90.5522% | 1,897 |
| Total domestic deposits to total assets | 84.6800% | 2,604 |
| Equity capital to assets | 8.4065% | 2,785 |
| Core capital (leverage) ratio | 8.8363% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5967% | 2,044 |
| Memoranda: | ||
| Average total assets | $239,401,000 | 2,750 |
| Average earning assets | $214,328,250 | 2,787 |
| Average equity | $19,810,750 | 2,862 |
| Average total loans | $171,662,250 | 2,519 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 2,472 |
| Cost of funding earning assets | 1.0674% | 2,388 |
| Net interest margin | 3.5073% | 2,248 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.4655% | 2,301 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 0.9449% | 2,602 |
| Return on assets (ROA) | 0.9449% | 2,594 |
| Pretax return on assets | 0.9449% | 3,059 |
| Return on Equity (ROE) | 11.4800% | 2,303 |
| Retained earnings to average equity (ytd only) | 5.5064% | 2,781 |
| Net charge-offs to loans | 0.1923% | 414 |
| Credit loss provision to net charge-offs | 121.2121% | 1,328 |
| Earnings coverage of net charge-offs (x) | 8.0848% | 2,061 |
| Efficiency ratio | 68.9262% | 1,876 |
| Assets per employee ($millions) | 5.1250% | 3,483 |
| Cash dividends to net income (ytd only)* | 52.0282% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,434 |
| Loan loss allowance to noncurrent loans | 68,333.3333% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 2,983 |
| Noncurrent loans to loans | 0.0018% | 3,828 |
| Net loans and leases to total assets | 71.5400% | 1,580 |
| Net loans and leases to deposits | 81.2429% | 1,892 |
| Net loans and leases to core deposits | 87.3398% | 1,981 |
| Total domestic deposits to total assets | 88.0500% | 1,580 |
| Equity capital to assets | 8.4793% | 2,884 |
| Core capital (leverage) ratio | 8.7602% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0048% | 2,295 |
| Memoranda: | ||
| Average total assets | $240,032,000 | 2,750 |
| Average earning assets | $215,092,333 | 2,792 |
| Average equity | $19,759,000 | 2,887 |
| Average total loans | $171,586,667 | 2,511 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 2,567 |
| Cost of funding earning assets | 0.8724% | 2,468 |
| Net interest margin | 3.5190% | 2,311 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.4297% | 2,443 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 0.9663% | 2,634 |
| Return on assets (ROA) | 0.9663% | 2,596 |
| Pretax return on assets | 0.9663% | 3,087 |
| Return on Equity (ROE) | 11.9100% | 2,242 |
| Retained earnings to average equity (ytd only) | 11.9123% | 1,289 |
| Net charge-offs to loans | 0.3837% | 210 |
| Credit loss provision to net charge-offs | 121.2121% | 1,033 |
| Earnings coverage of net charge-offs (x) | 4.7576% | 1,845 |
| Efficiency ratio | 65.2039% | 2,299 |
| Assets per employee ($millions) | 5.1181% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,396 |
| Loan loss allowance to noncurrent loans | 68,333.3333% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 3,004 |
| Noncurrent loans to loans | 0.0018% | 3,856 |
| Net loans and leases to total assets | 69.9600% | 1,632 |
| Net loans and leases to deposits | 77.6271% | 1,992 |
| Net loans and leases to core deposits | 82.8691% | 2,071 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 8.5600% | 2,842 |
| Core capital (leverage) ratio | 8.4497% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3407% | 2,247 |
| Memoranda: | ||
| Average total assets | $242,173,000 | 2,771 |
| Average earning assets | $216,423,000 | 2,823 |
| Average equity | $19,643,500 | 2,921 |
| Average total loans | $172,031,000 | 2,528 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 1,463 |
| Cost of funding earning assets | 0.4655% | 906 |
| Net interest margin | 3.4443% | 1,826 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4810% | 2,067 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.8111% | 3,211 |
| Return on assets (ROA) | 0.8427% | 3,063 |
| Pretax return on assets | 0.8839% | 3,364 |
| Return on Equity (ROE) | 10.0600% | 2,706 |
| Retained earnings to average equity (ytd only) | 5.1414% | 3,049 |
| Net charge-offs to loans | 0.0204% | 1,424 |
| Credit loss provision to net charge-offs | 648.1481% | 535 |
| Earnings coverage of net charge-offs (x) | 66.1111% | 1,124 |
| Efficiency ratio | 72.4580% | 1,450 |
| Assets per employee ($millions) | 5.6387% | 3,086 |
| Cash dividends to net income (ytd only)* | 48.9028% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,218 |
| Loan loss allowance to noncurrent loans | 40,300.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,561 |
| Noncurrent loans to loans | 0.0026% | 3,950 |
| Net loans and leases to total assets | 72.7700% | 1,206 |
| Net loans and leases to deposits | 82.2625% | 1,424 |
| Net loans and leases to core deposits | 87.5710% | 1,435 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 7.5612% | 3,179 |
| Core capital (leverage) ratio | 8.1012% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9032% | 2,845 |
| Memoranda: | ||
| Average total assets | $252,362,500 | 2,738 |
| Average earning assets | $226,841,500 | 2,777 |
| Average equity | $21,135,250 | 2,885 |
| Average total loans | $176,331,500 | 2,405 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 1,234 |
| Cost of funding earning assets | 0.4552% | 673 |
| Net interest margin | 3.3798% | 1,662 |
| Noninterest income to average assets | 0.3336% | 3,158 |
| Noninterest expense to average assets | 2.1342% | 3,048 |
| Loan and lease loss provision to assets | 0.1400% | 687 |
| Net operating income to assets | 1.0455% | 1,995 |
| Return on assets (ROA) | 1.0455% | 1,963 |
| Pretax return on assets | 1.0823% | 2,476 |
| Return on Equity (ROE) | 12.0778% | 1,648 |
| Retained earnings to average equity (ytd only) | 9.3055% | 1,199 |
| Net charge-offs to loans | 0.0315% | 1,094 |
| Credit loss provision to net charge-offs | 648.1481% | 536 |
| Earnings coverage of net charge-offs (x) | 56.5926% | 1,102 |
| Efficiency ratio | 63.5844% | 2,829 |
| Assets per employee ($millions) | 5.5875% | 3,134 |
| Cash dividends to net income (ytd only)* | 22.9533% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,732 |
| Loan loss allowance to noncurrent loans | 40,300.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 3,611 |
| Noncurrent loans to loans | 0.0030% | 3,991 |
| Net loans and leases to total assets | 66.4679% | 1,637 |
| Net loans and leases to deposits | 73.3249% | 1,931 |
| Net loans and leases to core deposits | 77.7727% | 1,868 |
| Total domestic deposits to total assets | 90.6486% | 1,401 |
| Equity capital to assets | 8.1193% | 3,027 |
| Core capital (leverage) ratio | 8.1711% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1067% | 2,448 |
| Memoranda: | ||
| Average total assets | $250,024,000 | 2,778 |
| Average earning assets | $223,625,667 | 2,831 |
| Average equity | $21,643,000 | 2,934 |
| Average total loans | $171,521,000 | 2,447 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 1,064 |
| Cost of funding earning assets | 0.4860% | 532 |
| Net interest margin | 3.3260% | 1,509 |
| Noninterest income to average assets | 0.5182% | 2,052 |
| Noninterest expense to average assets | 2.0392% | 3,327 |
| Loan and lease loss provision to assets | 0.2808% | 219 |
| Net operating income to assets | 1.1231% | 1,465 |
| Return on assets (ROA) | 1.1231% | 1,457 |
| Pretax return on assets | 1.1519% | 1,973 |
| Return on Equity (ROE) | 12.5803% | 1,131 |
| Retained earnings to average equity (ytd only) | 12.5803% | 515 |
| Net charge-offs to loans | 0.0625% | 696 |
| Credit loss provision to net charge-offs | 648.1481% | 446 |
| Earnings coverage of net charge-offs (x) | 33.0741% | 1,089 |
| Efficiency ratio | 58.7338% | 3,610 |
| Assets per employee ($millions) | 6.3875% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,838 |
| Loan loss allowance to noncurrent loans | 33,583.3333% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,664 |
| Noncurrent loans to loans | 0.0036% | 4,020 |
| Net loans and leases to total assets | 64.7075% | 1,534 |
| Net loans and leases to deposits | 71.9836% | 1,777 |
| Net loans and leases to core deposits | 76.4366% | 1,749 |
| Total domestic deposits to total assets | 89.8919% | 1,627 |
| Equity capital to assets | 8.4670% | 3,189 |
| Core capital (leverage) ratio | 8.0232% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0250% | 2,600 |
| Memoranda: | ||
| Average total assets | $249,317,500 | 2,791 |
| Average earning assets | $221,410,000 | 2,858 |
| Average equity | $22,257,000 | 2,965 |
| Average total loans | $172,711,500 | 2,436 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 800 |
| Cost of funding earning assets | 0.7162% | 301 |
| Net interest margin | 3.6212% | 1,404 |
| Noninterest income to average assets | 0.5165% | 2,496 |
| Noninterest expense to average assets | 2.3093% | 2,767 |
| Loan and lease loss provision to assets | 0.0826% | 1,490 |
| Net operating income to assets | 1.3518% | 1,434 |
| Return on assets (ROA) | 1.3529% | 1,472 |
| Pretax return on assets | 1.3914% | 2,083 |
| Return on Equity (ROE) | 13.2441% | 1,385 |
| Retained earnings to average equity (ytd only) | 7.5411% | 1,706 |
| Net charge-offs to loans | 0.0088% | 2,250 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 222.9167% | 500 |
| Efficiency ratio | 60.9550% | 3,002 |
| Assets per employee ($millions) | 5.9301% | 2,838 |
| Cash dividends to net income (ytd only)* | 43.0606% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 3,579 |
| Loan loss allowance to noncurrent loans | 572.3926% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,738 |
| Noncurrent loans to loans | 0.1831% | 3,028 |
| Net loans and leases to total assets | 72.4759% | 809 |
| Net loans and leases to deposits | 82.3027% | 1,036 |
| Net loans and leases to core deposits | 88.2430% | 1,064 |
| Total domestic deposits to total assets | 88.0602% | 2,013 |
| Equity capital to assets | 9.4108% | 3,214 |
| Core capital (leverage) ratio | 8.1712% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9819% | 2,896 |
| Memoranda: | ||
| Average total assets | $181,609,800 | 3,198 |
| Average earning assets | $163,786,800 | 3,238 |
| Average equity | $18,551,600 | 3,343 |
| Average total loans | $137,095,000 | 2,759 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 901 |
| Cost of funding earning assets | 0.7826% | 262 |
| Net interest margin | 3.5558% | 1,712 |
| Noninterest income to average assets | 0.6112% | 2,169 |
| Noninterest expense to average assets | 2.1055% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6948% | 837 |
| Return on assets (ROA) | 1.6964% | 878 |
| Pretax return on assets | 1.7325% | 1,326 |
| Return on Equity (ROE) | 16.1422% | 921 |
| Retained earnings to average equity (ytd only) | 12.3261% | 768 |
| Net charge-offs to loans | 0.0126% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 179.8333% | 600 |
| Efficiency ratio | 54.8819% | 3,682 |
| Assets per employee ($millions) | 5.8694% | 2,820 |
| Cash dividends to net income (ytd only)* | 23.6407% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9841% | 3,902 |
| Loan loss allowance to noncurrent loans | 502.0468% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,919 |
| Noncurrent loans to loans | 0.1960% | 3,166 |
| Net loans and leases to total assets | 71.7898% | 890 |
| Net loans and leases to deposits | 81.6929% | 1,136 |
| Net loans and leases to core deposits | 88.8363% | 1,107 |
| Total domestic deposits to total assets | 87.8777% | 1,915 |
| Equity capital to assets | 9.5642% | 3,319 |
| Core capital (leverage) ratio | 8.1119% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,228,250 | 3,364 |
| Average earning assets | $150,773,250 | 3,404 |
| Average equity | $17,469,250 | 3,472 |
| Average total loans | $126,848,500 | 2,925 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 1,385 |
| Cost of funding earning assets | 0.8537% | 226 |
| Net interest margin | 3.2293% | 2,668 |
| Noninterest income to average assets | 0.8598% | 1,378 |
| Noninterest expense to average assets | 1.8653% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9799% | 499 |
| Return on assets (ROA) | 1.9799% | 528 |
| Pretax return on assets | 2.0223% | 801 |
| Return on Equity (ROE) | 17.9254% | 664 |
| Retained earnings to average equity (ytd only) | 14.7244% | 471 |
| Net charge-offs to loans | 0.0216% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 119.1667% | 670 |
| Efficiency ratio | 47.9811% | 4,389 |
| Assets per employee ($millions) | 7.2291% | 1,643 |
| Cash dividends to net income (ytd only)* | 17.8571% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,554 |
| Loan loss allowance to noncurrent loans | 1,683.3333% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,739 |
| Noncurrent loans to loans | 0.0897% | 3,729 |
| Net loans and leases to total assets | 77.4500% | 482 |
| Net loans and leases to deposits | 90.2983% | 635 |
| Net loans and leases to core deposits | 99.3215% | 682 |
| Total domestic deposits to total assets | 85.7713% | 2,815 |
| Equity capital to assets | 11.1751% | 1,850 |
| Core capital (leverage) ratio | 9.4472% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,422,000 | 3,617 |
| Average earning assets | $132,597,000 | 3,602 |
| Average equity | $15,620,333 | 3,621 |
| Average total loans | $110,972,333 | 3,115 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 1,516 |
| Cost of funding earning assets | 0.9012% | 220 |
| Net interest margin | 3.1465% | 2,853 |
| Noninterest income to average assets | 0.8953% | 1,338 |
| Noninterest expense to average assets | 1.8306% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9679% | 593 |
| Return on assets (ROA) | 1.9679% | 641 |
| Pretax return on assets | 2.0108% | 929 |
| Return on Equity (ROE) | 17.9260% | 737 |
| Retained earnings to average equity (ytd only) | 17.9260% | 372 |
| Net charge-offs to loans | 0.0474% | 1,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 54.0769% | 866 |
| Efficiency ratio | 47.6545% | 4,362 |
| Assets per employee ($millions) | 8.0071% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 1,451 |
| Loan loss allowance to noncurrent loans | 1,666.0194% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,861 |
| Noncurrent loans to loans | 0.0926% | 3,843 |
| Net loans and leases to total assets | 75.9906% | 631 |
| Net loans and leases to deposits | 88.3264% | 804 |
| Net loans and leases to core deposits | 96.9213% | 845 |
| Total domestic deposits to total assets | 86.0338% | 2,727 |
| Equity capital to assets | 10.8904% | 1,944 |
| Core capital (leverage) ratio | 9.2277% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,842,500 | 3,643 |
| Average earning assets | $130,938,500 | 3,623 |
| Average equity | $15,352,000 | 3,650 |
| Average total loans | $109,611,000 | 3,135 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 737 |
| Cost of funding earning assets | 1.3040% | 175 |
| Net interest margin | 3.4991% | 2,483 |
| Noninterest income to average assets | 0.3157% | 3,576 |
| Noninterest expense to average assets | 1.9985% | 4,142 |
| Loan and lease loss provision to assets | 0.0745% | 3,450 |
| Net operating income to assets | 1.4423% | 931 |
| Return on assets (ROA) | 1.4423% | 1,012 |
| Pretax return on assets | 1.4855% | 1,384 |
| Return on Equity (ROE) | 12.9420% | 1,057 |
| Retained earnings to average equity (ytd only) | 2.0044% | 3,820 |
| Net charge-offs to loans | -0.0125% | 4,314 |
| Credit loss provision to net charge-offs | -714.2857% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1624% | 3,969 |
| Assets per employee ($millions) | 7.5310% | 1,259 |
| Cash dividends to net income (ytd only)* | 84.5121% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,293 |
| Loan loss allowance to noncurrent loans | 1,017.0588% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 3,657 |
| Noncurrent loans to loans | 0.1574% | 3,653 |
| Net loans and leases to total assets | 78.3827% | 568 |
| Net loans and leases to deposits | 91.5139% | 814 |
| Net loans and leases to core deposits | 101.6026% | 833 |
| Total domestic deposits to total assets | 85.6512% | 2,512 |
| Equity capital to assets | 11.0713% | 2,199 |
| Core capital (leverage) ratio | 9.0525% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,301,400 | 3,572 |
| Average earning assets | $124,459,800 | 3,577 |
| Average equity | $14,966,800 | 3,656 |
| Average total loans | $111,569,200 | 3,076 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 697 |
| Cost of funding earning assets | 1.3741% | 181 |
| Net interest margin | 3.5521% | 2,415 |
| Noninterest income to average assets | 0.3194% | 3,574 |
| Noninterest expense to average assets | 1.9106% | 4,312 |
| Loan and lease loss provision to assets | 0.0993% | 3,080 |
| Net operating income to assets | 1.5464% | 818 |
| Return on assets (ROA) | 1.5464% | 893 |
| Pretax return on assets | 1.5892% | 1,216 |
| Return on Equity (ROE) | 13.8532% | 903 |
| Retained earnings to average equity (ytd only) | 3.9848% | 3,055 |
| Net charge-offs to loans | -0.0024% | 3,907 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0827% | 4,245 |
| Assets per employee ($millions) | 7.4298% | 1,258 |
| Cash dividends to net income (ytd only)* | 71.2355% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,355 |
| Loan loss allowance to noncurrent loans | 1,010.0000% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 3,790 |
| Noncurrent loans to loans | 0.1494% | 3,785 |
| Net loans and leases to total assets | 83.7749% | 298 |
| Net loans and leases to deposits | 99.9340% | 536 |
| Net loans and leases to core deposits | 111.3399% | 655 |
| Total domestic deposits to total assets | 83.8302% | 2,878 |
| Equity capital to assets | 11.3312% | 2,127 |
| Core capital (leverage) ratio | 9.3836% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,987,250 | 3,567 |
| Average earning assets | $123,717,500 | 3,566 |
| Average equity | $14,956,500 | 3,658 |
| Average total loans | $112,465,750 | 3,074 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 910 |
| Cost of funding earning assets | 1.4326% | 201 |
| Net interest margin | 3.5062% | 2,765 |
| Noninterest income to average assets | 0.2790% | 3,802 |
| Noninterest expense to average assets | 1.9139% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5529% | 843 |
| Return on assets (ROA) | 1.5529% | 915 |
| Pretax return on assets | 1.5962% | 1,230 |
| Return on Equity (ROE) | 13.9819% | 892 |
| Retained earnings to average equity (ytd only) | 1.5312% | 3,926 |
| Net charge-offs to loans | -0.0071% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5261% | 4,114 |
| Assets per employee ($millions) | 7.5646% | 1,146 |
| Cash dividends to net income (ytd only)* | 89.0490% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,587 |
| Loan loss allowance to noncurrent loans | 258.6262% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 2,482 |
| Noncurrent loans to loans | 0.5414% | 2,548 |
| Net loans and leases to total assets | 83.7356% | 274 |
| Net loans and leases to deposits | 100.1405% | 542 |
| Net loans and leases to core deposits | 111.3524% | 691 |
| Total domestic deposits to total assets | 83.6180% | 2,876 |
| Equity capital to assets | 10.8848% | 2,436 |
| Core capital (leverage) ratio | 9.1120% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,070,667 | 3,552 |
| Average earning assets | $123,551,333 | 3,556 |
| Average equity | $14,890,667 | 3,669 |
| Average total loans | $112,036,000 | 3,067 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,177 |
| Cost of funding earning assets | 1.5247% | 238 |
| Net interest margin | 3.3832% | 3,348 |
| Noninterest income to average assets | 0.1804% | 4,460 |
| Noninterest expense to average assets | 1.9395% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3080% | 1,225 |
| Return on assets (ROA) | 1.3080% | 1,322 |
| Pretax return on assets | 1.3501% | 1,716 |
| Return on Equity (ROE) | 11.6579% | 1,210 |
| Retained earnings to average equity (ytd only) | 11.6579% | 464 |
| Net charge-offs to loans | -0.0073% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9580% | 3,880 |
| Assets per employee ($millions) | 7.3718% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 1,459 |
| Loan loss allowance to noncurrent loans | 257.8947% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 2,497 |
| Noncurrent loans to loans | 0.5689% | 2,571 |
| Net loans and leases to total assets | 81.8437% | 450 |
| Net loans and leases to deposits | 95.9661% | 913 |
| Net loans and leases to core deposits | 107.0921% | 992 |
| Total domestic deposits to total assets | 85.2840% | 2,297 |
| Equity capital to assets | 11.4121% | 2,517 |
| Core capital (leverage) ratio | 9.3269% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2121% | 2,614 |
| Memoranda: | ||
| Average total assets | $133,025,000 | 3,548 |
| Average earning assets | $122,252,000 | 3,544 |
| Average equity | $14,925,500 | 3,668 |
| Average total loans | $110,236,500 | 3,075 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 1,156 |
| Cost of funding earning assets | 1.4949% | 399 |
| Net interest margin | 3.6325% | 3,025 |
| Noninterest income to average assets | 0.2174% | 4,362 |
| Noninterest expense to average assets | 2.0379% | 4,471 |
| Loan and lease loss provision to assets | 0.1515% | 1,400 |
| Net operating income to assets | 1.3401% | 1,543 |
| Return on assets (ROA) | 1.3401% | 1,619 |
| Pretax return on assets | 1.3932% | 2,185 |
| Return on Equity (ROE) | 12.2096% | 1,431 |
| Retained earnings to average equity (ytd only) | 1.8842% | 4,051 |
| Net charge-offs to loans | -0.1069% | 4,966 |
| Credit loss provision to net charge-offs | -168.0672% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8831% | 4,105 |
| Assets per employee ($millions) | 7.4088% | 896 |
| Cash dividends to net income (ytd only)* | 84.5676% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,327 |
| Loan loss allowance to noncurrent loans | 13,458.3333% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 4,465 |
| Noncurrent loans to loans | 0.0109% | 4,546 |
| Net loans and leases to total assets | 81.4657% | 620 |
| Net loans and leases to deposits | 95.0556% | 1,041 |
| Net loans and leases to core deposits | 106.2088% | 1,099 |
| Total domestic deposits to total assets | 85.7031% | 2,191 |
| Equity capital to assets | 11.0290% | 2,967 |
| Core capital (leverage) ratio | 9.0672% | 4,469 |
| Tier 1 risk-based capital ratio | 11.4552% | 4,651 |
| Total risk-based capital ratio | 12.7088% | 4,531 |
| Memoranda: | ||
| Average total assets | $132,000,800 | 3,538 |
| Average earning assets | $122,285,800 | 3,531 |
| Average equity | $14,488,600 | 3,689 |
| Average total loans | $111,290,600 | 3,065 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 1,299 |
| Cost of funding earning assets | 1.4592% | 469 |
| Net interest margin | 3.6322% | 3,162 |
| Noninterest income to average assets | 0.1995% | 4,520 |
| Noninterest expense to average assets | 1.9828% | 4,590 |
| Loan and lease loss provision to assets | 0.2025% | 871 |
| Net operating income to assets | 1.3307% | 1,725 |
| Return on assets (ROA) | 1.3307% | 1,794 |
| Pretax return on assets | 1.3843% | 2,367 |
| Return on Equity (ROE) | 12.1379% | 1,563 |
| Retained earnings to average equity (ytd only) | 2.4664% | 4,108 |
| Net charge-offs to loans | 0.0060% | 3,171 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 313.2354% | 306 |
| Efficiency ratio | 55.5461% | 4,211 |
| Assets per employee ($millions) | 7.4083% | 879 |
| Cash dividends to net income (ytd only)* | 79.6805% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,746 |
| Loan loss allowance to noncurrent loans | 7,018.1818% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,430 |
| Noncurrent loans to loans | 0.0193% | 4,588 |
| Net loans and leases to total assets | 84.3921% | 307 |
| Net loans and leases to deposits | 100.2870% | 607 |
| Net loans and leases to core deposits | 112.2901% | 833 |
| Total domestic deposits to total assets | 84.1506% | 2,765 |
| Equity capital to assets | 10.9157% | 3,176 |
| Core capital (leverage) ratio | 9.1335% | 4,533 |
| Tier 1 risk-based capital ratio | 10.8760% | 4,961 |
| Total risk-based capital ratio | 12.1281% | 4,857 |
| Memoranda: | ||
| Average total assets | $131,661,500 | 3,576 |
| Average earning assets | $122,164,500 | 3,569 |
| Average equity | $14,433,750 | 3,727 |
| Average total loans | $111,549,250 | 3,092 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,402 |
| Cost of funding earning assets | 1.4110% | 516 |
| Net interest margin | 3.6166% | 3,202 |
| Noninterest income to average assets | 0.1754% | 4,696 |
| Noninterest expense to average assets | 1.9695% | 4,656 |
| Loan and lease loss provision to assets | 0.3051% | 451 |
| Net operating income to assets | 1.1945% | 2,168 |
| Return on assets (ROA) | 1.1945% | 2,230 |
| Pretax return on assets | 1.2479% | 2,756 |
| Return on Equity (ROE) | 10.8803% | 2,026 |
| Retained earnings to average equity (ytd only) | -1.5841% | 4,884 |
| Net charge-offs to loans | 0.0235% | 2,376 |
| Credit loss provision to net charge-offs | 1,538.4615% | 237 |
| Earnings coverage of net charge-offs (x) | 78.3077% | 830 |
| Efficiency ratio | 55.9117% | 4,253 |
| Assets per employee ($millions) | 7.2536% | 899 |
| Cash dividends to net income (ytd only)* | 114.5594% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,639 |
| Loan loss allowance to noncurrent loans | 6,708.6957% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 4,394 |
| Noncurrent loans to loans | 0.0208% | 4,625 |
| Net loans and leases to total assets | 83.5904% | 402 |
| Net loans and leases to deposits | 99.6995% | 702 |
| Net loans and leases to core deposits | 110.7965% | 936 |
| Total domestic deposits to total assets | 83.8424% | 2,934 |
| Equity capital to assets | 10.8927% | 3,184 |
| Core capital (leverage) ratio | 9.0772% | 4,571 |
| Tier 1 risk-based capital ratio | 11.2346% | 4,816 |
| Total risk-based capital ratio | 12.4868% | 4,705 |
| Memoranda: | ||
| Average total assets | $131,099,000 | 3,606 |
| Average earning assets | $121,329,670 | 3,604 |
| Average equity | $14,393,000 | 3,736 |
| Average total loans | $110,705,670 | 3,122 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8812% | 1,650 |
| Cost of funding earning assets | 1.3513% | 552 |
| Net interest margin | 3.5299% | 3,500 |
| Noninterest income to average assets | 0.1827% | 4,658 |
| Noninterest expense to average assets | 1.9122% | 4,779 |
| Loan and lease loss provision to assets | 0.6090% | 173 |
| Net operating income to assets | 0.8678% | 3,364 |
| Return on assets (ROA) | 0.8678% | 3,411 |
| Pretax return on assets | 0.9226% | 3,688 |
| Return on Equity (ROE) | 7.8737% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.8737% | 1,713 |
| Net charge-offs to loans | 0.0181% | 2,110 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 100.6000% | 665 |
| Efficiency ratio | 55.5261% | 4,387 |
| Assets per employee ($millions) | 7.2545% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,639 |
| Loan loss allowance to noncurrent loans | 4,727.2727% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 4,379 |
| Noncurrent loans to loans | 0.0298% | 4,644 |
| Net loans and leases to total assets | 83.5144% | 418 |
| Net loans and leases to deposits | 97.8862% | 796 |
| Net loans and leases to core deposits | 109.0148% | 982 |
| Total domestic deposits to total assets | 85.3179% | 2,558 |
| Equity capital to assets | 11.1969% | 2,657 |
| Core capital (leverage) ratio | 9.4612% | 4,177 |
| Tier 1 risk-based capital ratio | 11.4915% | 4,749 |
| Total risk-based capital ratio | 12.7438% | 4,641 |
| Memoranda: | ||
| Average total assets | $131,366,500 | 3,641 |
| Average earning assets | $121,364,000 | 3,640 |
| Average equity | $14,478,500 | 3,741 |
| Average total loans | $110,717,500 | 3,156 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 1,607 |
| Cost of funding earning assets | 1.1602% | 395 |
| Net interest margin | 3.6118% | 3,343 |
| Noninterest income to average assets | 0.2248% | 4,575 |
| Noninterest expense to average assets | 1.9902% | 4,775 |
| Loan and lease loss provision to assets | 0.2326% | 766 |
| Net operating income to assets | 1.3227% | 1,706 |
| Return on assets (ROA) | 1.3227% | 1,699 |
| Pretax return on assets | 1.3522% | 2,307 |
| Return on Equity (ROE) | 11.9947% | 1,716 |
| Retained earnings to average equity (ytd only) | 1.8210% | 4,421 |
| Net charge-offs to loans | -0.0211% | 4,715 |
| Credit loss provision to net charge-offs | -1,304.3478% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6712% | 4,448 |
| Assets per employee ($millions) | 7.7736% | 715 |
| Cash dividends to net income (ytd only)* | 84.8183% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,398 |
| Loan loss allowance to noncurrent loans | 5,055.5556% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 4,418 |
| Noncurrent loans to loans | 0.0244% | 4,669 |
| Net loans and leases to total assets | 82.8258% | 539 |
| Net loans and leases to deposits | 100.3281% | 715 |
| Net loans and leases to core deposits | 111.9880% | 882 |
| Total domestic deposits to total assets | 82.5549% | 3,465 |
| Equity capital to assets | 10.8481% | 2,848 |
| Core capital (leverage) ratio | 9.1131% | 4,546 |
| Tier 1 risk-based capital ratio | 11.2179% | 4,854 |
| Total risk-based capital ratio | 12.4677% | 4,773 |
| Memoranda: | ||
| Average total assets | $128,978,800 | 3,662 |
| Average earning assets | $119,635,600 | 3,650 |
| Average equity | $14,223,000 | 3,724 |
| Average total loans | $108,926,800 | 3,148 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 1,704 |
| Cost of funding earning assets | 1.0932% | 415 |
| Net interest margin | 3.5985% | 3,373 |
| Noninterest income to average assets | 0.1997% | 4,775 |
| Noninterest expense to average assets | 1.9378% | 4,843 |
| Loan and lease loss provision to assets | 0.3120% | 461 |
| Net operating income to assets | 1.2638% | 1,983 |
| Return on assets (ROA) | 1.2638% | 1,992 |
| Pretax return on assets | 1.2950% | 2,647 |
| Return on Equity (ROE) | 11.4124% | 2,010 |
| Retained earnings to average equity (ytd only) | 1.6062% | 4,696 |
| Net charge-offs to loans | -0.0172% | 4,582 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6655% | 4,543 |
| Assets per employee ($millions) | 8.2149% | 598 |
| Cash dividends to net income (ytd only)* | 85.9262% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,504 |
| Loan loss allowance to noncurrent loans | 5,257.6923% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,450 |
| Noncurrent loans to loans | 0.0232% | 4,798 |
| Net loans and leases to total assets | 84.1775% | 436 |
| Net loans and leases to deposits | 104.1189% | 541 |
| Net loans and leases to core deposits | 117.0332% | 666 |
| Total domestic deposits to total assets | 80.8474% | 3,905 |
| Equity capital to assets | 10.8392% | 2,811 |
| Core capital (leverage) ratio | 9.0130% | 4,689 |
| Tier 1 risk-based capital ratio | 11.0806% | 4,996 |
| Total risk-based capital ratio | 12.3310% | 4,894 |
| Memoranda: | ||
| Average total assets | $128,185,500 | 3,705 |
| Average earning assets | $119,156,750 | 3,693 |
| Average equity | $14,194,750 | 3,752 |
| Average total loans | $108,453,250 | 3,182 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 1,855 |
| Cost of funding earning assets | 1.0132% | 446 |
| Net interest margin | 3.5631% | 3,428 |
| Noninterest income to average assets | 0.1920% | 4,864 |
| Noninterest expense to average assets | 1.9559% | 4,869 |
| Loan and lease loss provision to assets | 0.3147% | 442 |
| Net operating income to assets | 1.1959% | 2,219 |
| Return on assets (ROA) | 1.1959% | 2,218 |
| Pretax return on assets | 1.2305% | 2,813 |
| Return on Equity (ROE) | 10.7213% | 2,218 |
| Retained earnings to average equity (ytd only) | -1.9327% | 5,141 |
| Net charge-offs to loans | -0.0224% | 4,612 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8652% | 4,492 |
| Assets per employee ($millions) | 8.0084% | 625 |
| Cash dividends to net income (ytd only)* | 118.0263% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 2,940 |
| Loan loss allowance to noncurrent loans | 4,685.1852% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 4,309 |
| Noncurrent loans to loans | 0.0247% | 4,819 |
| Net loans and leases to total assets | 84.2533% | 430 |
| Net loans and leases to deposits | 102.8965% | 603 |
| Net loans and leases to core deposits | 113.1623% | 829 |
| Total domestic deposits to total assets | 81.8816% | 3,757 |
| Equity capital to assets | 10.8784% | 2,752 |
| Core capital (leverage) ratio | 9.1340% | 4,534 |
| Tier 1 risk-based capital ratio | 11.2161% | 4,941 |
| Total risk-based capital ratio | 12.4652% | 4,840 |
| Memoranda: | ||
| Average total assets | $127,101,000 | 3,746 |
| Average earning assets | $118,041,670 | 3,746 |
| Average equity | $14,177,330 | 3,779 |
| Average total loans | $107,268,000 | 3,216 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 1,909 |
| Cost of funding earning assets | 1.0140% | 349 |
| Net interest margin | 3.4723% | 3,639 |
| Noninterest income to average assets | 0.1833% | 4,929 |
| Noninterest expense to average assets | 1.9655% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3872% | 1,378 |
| Return on assets (ROA) | 1.3872% | 1,390 |
| Pretax return on assets | 1.4315% | 1,899 |
| Return on Equity (ROE) | 12.2827% | 1,481 |
| Retained earnings to average equity (ytd only) | 12.2827% | 632 |
| Net charge-offs to loans | -0.0301% | 4,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8605% | 4,359 |
| Assets per employee ($millions) | 7.7831% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,911 |
| Loan loss allowance to noncurrent loans | 493.9535% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 3,663 |
| Noncurrent loans to loans | 0.2039% | 4,058 |
| Net loans and leases to total assets | 83.8304% | 453 |
| Net loans and leases to deposits | 95.1086% | 1,118 |
| Net loans and leases to core deposits | 104.2054% | 1,362 |
| Total domestic deposits to total assets | 88.1418% | 1,541 |
| Equity capital to assets | 11.6566% | 2,027 |
| Core capital (leverage) ratio | 9.7520% | 3,803 |
| Tier 1 risk-based capital ratio | 12.0204% | 4,534 |
| Total risk-based capital ratio | 13.0944% | 4,538 |
| Memoranda: | ||
| Average total assets | $126,584,000 | 3,782 |
| Average earning assets | $117,155,500 | 3,799 |
| Average equity | $14,296,500 | 3,796 |
| Average total loans | $106,290,500 | 3,256 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 871 |
| Cost of funding earning assets | 1.0431% | 173 |
| Net interest margin | 3.8175% | 2,365 |
| Noninterest income to average assets | 0.2377% | 4,710 |
| Noninterest expense to average assets | 2.1801% | 4,566 |
| Loan and lease loss provision to assets | 0.1486% | 1,528 |
| Net operating income to assets | 1.4055% | 1,006 |
| Return on assets (ROA) | 1.4055% | 1,023 |
| Pretax return on assets | 1.4363% | 1,866 |
| Return on Equity (ROE) | 12.9454% | 964 |
| Retained earnings to average equity (ytd only) | 7.4990% | 924 |
| Net charge-offs to loans | -0.1178% | 5,414 |
| Credit loss provision to net charge-offs | -151.5152% | 4,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9058% | 4,540 |
| Assets per employee ($millions) | 7.5669% | 744 |
| Cash dividends to net income (ytd only)* | 42.0719% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,035 |
| Loan loss allowance to noncurrent loans | 476.4706% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,673 |
| Noncurrent loans to loans | 0.2063% | 4,086 |
| Net loans and leases to total assets | 82.4577% | 619 |
| Net loans and leases to deposits | 101.0517% | 656 |
| Net loans and leases to core deposits | 108.1562% | 1,117 |
| Total domestic deposits to total assets | 81.5995% | 3,969 |
| Equity capital to assets | 10.9431% | 2,684 |
| Core capital (leverage) ratio | 9.2781% | 4,317 |
| Tier 1 risk-based capital ratio | 11.3112% | 4,973 |
| Total risk-based capital ratio | 12.3476% | 4,971 |
| Memoranda: | ||
| Average total assets | $100,957,000 | 4,219 |
| Average earning assets | $93,280,400 | 4,216 |
| Average equity | $10,961,400 | 4,306 |
| Average total loans | $84,068,000 | 3,656 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 1,035 |
| Cost of funding earning assets | 1.0306% | 169 |
| Net interest margin | 3.7180% | 2,692 |
| Noninterest income to average assets | 0.1857% | 5,086 |
| Noninterest expense to average assets | 2.0092% | 4,930 |
| Loan and lease loss provision to assets | 0.1418% | 1,492 |
| Net operating income to assets | 1.4448% | 1,003 |
| Return on assets (ROA) | 1.4448% | 1,016 |
| Pretax return on assets | 1.4774% | 1,855 |
| Return on Equity (ROE) | 13.3467% | 969 |
| Retained earnings to average equity (ytd only) | 10.7271% | 454 |
| Net charge-offs to loans | -0.0255% | 4,932 |
| Credit loss provision to net charge-offs | -666.6667% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3732% | 4,803 |
| Assets per employee ($millions) | 7.1448% | 895 |
| Cash dividends to net income (ytd only)* | 19.6271% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,761 |
| Loan loss allowance to noncurrent loans | 601.3453% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 3,808 |
| Noncurrent loans to loans | 0.2040% | 4,265 |
| Net loans and leases to total assets | 83.9371% | 436 |
| Net loans and leases to deposits | 103.2303% | 539 |
| Net loans and leases to core deposits | 111.0724% | 972 |
| Total domestic deposits to total assets | 81.3105% | 3,968 |
| Equity capital to assets | 10.9434% | 2,918 |
| Core capital (leverage) ratio | 8.8739% | 4,899 |
| Tier 1 risk-based capital ratio | 11.0064% | 5,245 |
| Total risk-based capital ratio | 12.2563% | 5,134 |
| Memoranda: | ||
| Average total assets | $94,033,750 | 4,381 |
| Average earning assets | $87,070,750 | 4,390 |
| Average equity | $10,179,500 | 4,467 |
| Average total loans | $78,395,750 | 3,811 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 1,738 |
| Cost of funding earning assets | 0.9820% | 189 |
| Net interest margin | 3.4436% | 3,619 |
| Noninterest income to average assets | 0.1915% | 5,092 |
| Noninterest expense to average assets | 2.0192% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3235% | 1,240 |
| Return on assets (ROA) | 1.3235% | 1,268 |
| Pretax return on assets | 1.3598% | 2,166 |
| Return on Equity (ROE) | 12.2955% | 1,211 |
| Retained earnings to average equity (ytd only) | 9.8183% | 619 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7561% | 4,350 |
| Assets per employee ($millions) | 6.6533% | 1,069 |
| Cash dividends to net income (ytd only)* | 20.1465% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,457 |
| Loan loss allowance to noncurrent loans | 427.6596% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 3,304 |
| Noncurrent loans to loans | 0.2626% | 4,099 |
| Net loans and leases to total assets | 81.8575% | 685 |
| Net loans and leases to deposits | 100.2691% | 717 |
| Net loans and leases to core deposits | 108.7506% | 1,070 |
| Total domestic deposits to total assets | 81.6378% | 4,002 |
| Equity capital to assets | 10.5153% | 3,321 |
| Core capital (leverage) ratio | 9.1920% | 4,501 |
| Tier 1 risk-based capital ratio | 11.2910% | 5,093 |
| Total risk-based capital ratio | 12.5083% | 4,998 |
| Memoranda: | ||
| Average total assets | $82,509,330 | 4,619 |
| Average earning assets | $76,374,670 | 4,606 |
| Average equity | $8,881,330 | 4,700 |
| Average total loans | $68,097,670 | 4,057 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 1,605 |
| Cost of funding earning assets | 0.9903% | 172 |
| Net interest margin | 3.4232% | 3,556 |
| Noninterest income to average assets | 0.1043% | 5,574 |
| Noninterest expense to average assets | 2.0766% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1476% | 1,678 |
| Return on assets (ROA) | 1.1476% | 1,714 |
| Pretax return on assets | 1.1873% | 2,639 |
| Return on Equity (ROE) | 10.5305% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.5305% | 696 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6225% | 3,901 |
| Assets per employee ($millions) | 6.1939% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 3,053 |
| Loan loss allowance to noncurrent loans | 418.7500% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 3,181 |
| Noncurrent loans to loans | 0.2900% | 4,075 |
| Net loans and leases to total assets | 81.2335% | 668 |
| Net loans and leases to deposits | 91.5619% | 1,374 |
| Net loans and leases to core deposits | 99.1977% | 1,566 |
| Total domestic deposits to total assets | 88.7197% | 1,309 |
| Equity capital to assets | 11.0406% | 2,588 |
| Core capital (leverage) ratio | 9.0795% | 4,650 |
| Tier 1 risk-based capital ratio | 11.9383% | 4,759 |
| Total risk-based capital ratio | 13.1881% | 4,659 |
| Memoranda: | ||
| Average total assets | $80,517,500 | 4,704 |
| Average earning assets | $74,317,500 | 4,694 |
| Average equity | $8,774,500 | 4,756 |
| Average total loans | $66,344,000 | 4,123 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 1,534 |
| Cost of funding earning assets | 1.0044% | 167 |
| Net interest margin | 3.4957% | 3,448 |
| Noninterest income to average assets | 0.2156% | 5,126 |
| Noninterest expense to average assets | 2.2003% | 4,772 |
| Loan and lease loss provision to assets | 0.0567% | 3,249 |
| Net operating income to assets | 1.1537% | 1,684 |
| Return on assets (ROA) | 1.1537% | 1,777 |
| Pretax return on assets | 1.1928% | 2,702 |
| Return on Equity (ROE) | 10.6465% | 1,710 |
| Retained earnings to average equity (ytd only) | 3.6652% | 3,307 |
| Net charge-offs to loans | -0.0682% | 5,473 |
| Credit loss provision to net charge-offs | -100.0000% | 4,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7792% | 3,979 |
| Assets per employee ($millions) | 6.1934% | 1,336 |
| Cash dividends to net income (ytd only)* | 65.5738% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,064 |
| Loan loss allowance to noncurrent loans | 406.0606% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 3,160 |
| Noncurrent loans to loans | 0.2979% | 4,081 |
| Net loans and leases to total assets | 81.5635% | 659 |
| Net loans and leases to deposits | 91.6309% | 1,497 |
| Net loans and leases to core deposits | 100.1999% | 1,604 |
| Total domestic deposits to total assets | 89.0131% | 1,112 |
| Equity capital to assets | 10.7547% | 2,864 |
| Core capital (leverage) ratio | 8.8728% | 4,886 |
| Tier 1 risk-based capital ratio | 11.8492% | 4,822 |
| Total risk-based capital ratio | 13.0999% | 4,724 |
| Memoranda: | ||
| Average total assets | $79,308,400 | 4,745 |
| Average earning assets | $73,376,600 | 4,729 |
| Average equity | $8,594,400 | 4,824 |
| Average total loans | $65,987,800 | 4,142 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 1,505 |
| Cost of funding earning assets | 0.9969% | 174 |
| Net interest margin | 3.5130% | 3,422 |
| Noninterest income to average assets | 0.1755% | 5,399 |
| Noninterest expense to average assets | 2.1415% | 4,909 |
| Loan and lease loss provision to assets | 0.0759% | 2,702 |
| Net operating income to assets | 1.1661% | 1,741 |
| Return on assets (ROA) | 1.1661% | 1,849 |
| Pretax return on assets | 1.2049% | 2,815 |
| Return on Equity (ROE) | 10.7401% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.1497% | 1,549 |
| Net charge-offs to loans | -0.0891% | 5,535 |
| Credit loss provision to net charge-offs | -102.2727% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5740% | 4,127 |
| Assets per employee ($millions) | 6.2097% | 1,289 |
| Cash dividends to net income (ytd only)* | 33.4296% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 3,256 |
| Loan loss allowance to noncurrent loans | 405.5556% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 3,313 |
| Noncurrent loans to loans | 0.2951% | 4,197 |
| Net loans and leases to total assets | 82.1210% | 602 |
| Net loans and leases to deposits | 95.0601% | 1,145 |
| Net loans and leases to core deposits | 104.2064% | 1,328 |
| Total domestic deposits to total assets | 86.3885% | 2,176 |
| Equity capital to assets | 10.9036% | 3,125 |
| Core capital (leverage) ratio | 9.1652% | 4,641 |
| Tier 1 risk-based capital ratio | 11.8072% | 4,913 |
| Total risk-based capital ratio | 13.0569% | 4,807 |
| Memoranda: | ||
| Average total assets | $79,007,000 | 4,785 |
| Average earning assets | $73,021,500 | 4,773 |
| Average equity | $8,578,250 | 4,871 |
| Average total loans | $65,866,250 | 4,172 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 1,640 |
| Cost of funding earning assets | 0.9932% | 178 |
| Net interest margin | 3.4678% | 3,622 |
| Noninterest income to average assets | 0.1428% | 5,596 |
| Noninterest expense to average assets | 2.1802% | 4,890 |
| Loan and lease loss provision to assets | 0.1147% | 1,969 |
| Net operating income to assets | 1.0149% | 2,326 |
| Return on assets (ROA) | 1.0149% | 2,459 |
| Pretax return on assets | 1.0531% | 3,386 |
| Return on Equity (ROE) | 9.3607% | 2,332 |
| Retained earnings to average equity (ytd only) | 6.7735% | 1,728 |
| Net charge-offs to loans | -0.1344% | 5,715 |
| Credit loss provision to net charge-offs | -102.2727% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1181% | 3,826 |
| Assets per employee ($millions) | 5.6634% | 1,652 |
| Cash dividends to net income (ytd only)* | 27.6382% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 4,229 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 83.1072% | 503 |
| Net loans and leases to deposits | 93.5065% | 1,339 |
| Net loans and leases to core deposits | 104.2940% | 1,292 |
| Total domestic deposits to total assets | 88.8785% | 971 |
| Equity capital to assets | 10.8869% | 3,183 |
| Core capital (leverage) ratio | 9.2161% | 4,570 |
| Tier 1 risk-based capital ratio | 11.4433% | 5,194 |
| Total risk-based capital ratio | 12.6938% | 5,083 |
| Memoranda: | ||
| Average total assets | $78,434,000 | 4,852 |
| Average earning assets | $72,495,670 | 4,832 |
| Average equity | $8,503,670 | 4,921 |
| Average total loans | $65,456,330 | 4,209 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4942% | 1,521 |
| Cost of funding earning assets | 0.9969% | 175 |
| Net interest margin | 3.4974% | 3,487 |
| Noninterest income to average assets | 0.1179% | 5,751 |
| Noninterest expense to average assets | 2.0819% | 5,150 |
| Loan and lease loss provision to assets | 0.2307% | 798 |
| Net operating income to assets | 0.9845% | 2,350 |
| Return on assets (ROA) | 0.9845% | 2,465 |
| Pretax return on assets | 1.0255% | 3,388 |
| Return on Equity (ROE) | 9.1001% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.1001% | 1,088 |
| Net charge-offs to loans | -0.1851% | 5,825 |
| Credit loss provision to net charge-offs | -150.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3656% | 4,394 |
| Assets per employee ($millions) | 6.4127% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 3,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 4,262 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.3208% | 648 |
| Net loans and leases to deposits | 91.7216% | 1,386 |
| Net loans and leases to core deposits | 102.7520% | 1,282 |
| Total domestic deposits to total assets | 88.6605% | 1,267 |
| Equity capital to assets | 11.0926% | 2,835 |
| Core capital (leverage) ratio | 9.0764% | 4,763 |
| Tier 1 risk-based capital ratio | 11.7796% | 5,059 |
| Total risk-based capital ratio | 13.0306% | 4,964 |
| Memoranda: | ||
| Average total assets | $78,007,000 | 4,898 |
| Average earning assets | $71,825,500 | 4,879 |
| Average equity | $8,439,500 | 4,964 |
| Average total loans | $64,835,500 | 4,244 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,570 |
| Cost of funding earning assets | 0.8993% | 291 |
| Net interest margin | 3.6074% | 3,099 |
| Noninterest income to average assets | 0.2370% | 5,176 |
| Noninterest expense to average assets | 2.0891% | 5,275 |
| Loan and lease loss provision to assets | 0.2224% | 922 |
| Net operating income to assets | 1.2236% | 1,474 |
| Return on assets (ROA) | 1.2236% | 1,533 |
| Pretax return on assets | 1.2636% | 2,419 |
| Return on Equity (ROE) | 11.0771% | 1,587 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,301 |
| Net charge-offs to loans | 0.0875% | 2,573 |
| Credit loss provision to net charge-offs | 303.6364% | 975 |
| Earnings coverage of net charge-offs (x) | 20.2909% | 1,886 |
| Efficiency ratio | 58.4358% | 5,094 |
| Assets per employee ($millions) | 6.5885% | 1,055 |
| Cash dividends to net income (ytd only)* | 65.2884% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 4,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 4,243 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.9589% | 488 |
| Net loans and leases to deposits | 99.1280% | 742 |
| Net loans and leases to core deposits | 110.0653% | 849 |
| Total domestic deposits to total assets | 83.6888% | 3,594 |
| Equity capital to assets | 10.5525% | 3,302 |
| Core capital (leverage) ratio | 8.8691% | 5,039 |
| Tier 1 risk-based capital ratio | 11.0580% | 5,492 |
| Total risk-based capital ratio | 12.2260% | 5,439 |
| Memoranda: | ||
| Average total assets | $75,105,000 | 4,970 |
| Average earning assets | $69,495,400 | 4,950 |
| Average equity | $8,296,400 | 5,005 |
| Average total loans | $62,875,200 | 4,296 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 1,609 |
| Cost of funding earning assets | 0.8707% | 340 |
| Net interest margin | 3.6229% | 3,067 |
| Noninterest income to average assets | 0.1925% | 5,505 |
| Noninterest expense to average assets | 2.0130% | 5,458 |
| Loan and lease loss provision to assets | 0.2105% | 928 |
| Net operating income to assets | 1.2826% | 1,384 |
| Return on assets (ROA) | 1.2826% | 1,441 |
| Pretax return on assets | 1.3222% | 2,310 |
| Return on Equity (ROE) | 11.4746% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.7570% | 1,353 |
| Net charge-offs to loans | 0.0086% | 3,865 |
| Credit loss provision to net charge-offs | 2,925.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 213.1276% | 336 |
| Efficiency ratio | 56.7732% | 5,252 |
| Assets per employee ($millions) | 6.4578% | 1,089 |
| Cash dividends to net income (ytd only)* | 32.3982% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 4,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,321 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.2048% | 555 |
| Net loans and leases to deposits | 100.2897% | 642 |
| Net loans and leases to core deposits | 110.5705% | 846 |
| Total domestic deposits to total assets | 81.9674% | 4,173 |
| Equity capital to assets | 10.9765% | 3,054 |
| Core capital (leverage) ratio | 9.2469% | 4,668 |
| Tier 1 risk-based capital ratio | 11.5922% | 5,329 |
| Total risk-based capital ratio | 12.7898% | 5,276 |
| Memoranda: | ||
| Average total assets | $74,115,750 | 5,046 |
| Average earning assets | $68,599,000 | 5,027 |
| Average equity | $8,284,750 | 5,074 |
| Average total loans | $62,018,250 | 4,362 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,740 |
| Cost of funding earning assets | 0.8622% | 349 |
| Net interest margin | 3.5700% | 3,211 |
| Noninterest income to average assets | 0.1534% | 5,792 |
| Noninterest expense to average assets | 2.0195% | 5,490 |
| Loan and lease loss provision to assets | 0.1507% | 1,410 |
| Net operating income to assets | 1.2577% | 1,435 |
| Return on assets (ROA) | 1.2577% | 1,489 |
| Pretax return on assets | 1.2961% | 2,380 |
| Return on Equity (ROE) | 11.1801% | 1,622 |
| Retained earnings to average equity (ytd only) | 8.5008% | 1,073 |
| Net charge-offs to loans | 0.0131% | 3,464 |
| Credit loss provision to net charge-offs | 1,375.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 478 |
| Efficiency ratio | 58.2609% | 5,190 |
| Assets per employee ($millions) | 6.8985% | 869 |
| Cash dividends to net income (ytd only)* | 23.9651% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 4,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 4,402 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 82.9226% | 481 |
| Net loans and leases to deposits | 100.6140% | 612 |
| Net loans and leases to core deposits | 111.7872% | 755 |
| Total domestic deposits to total assets | 82.4166% | 4,148 |
| Equity capital to assets | 11.0353% | 2,852 |
| Core capital (leverage) ratio | 9.4412% | 4,355 |
| Tier 1 risk-based capital ratio | 11.5482% | 5,432 |
| Total risk-based capital ratio | 12.6593% | 5,451 |
| Memoranda: | ||
| Average total assets | $72,990,000 | 5,127 |
| Average earning assets | $67,730,330 | 5,109 |
| Average equity | $8,211,000 | 5,124 |
| Average total loans | $61,218,330 | 4,431 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 1,938 |
| Cost of funding earning assets | 0.8413% | 396 |
| Net interest margin | 3.5095% | 3,396 |
| Noninterest income to average assets | 0.1230% | 5,986 |
| Noninterest expense to average assets | 2.0184% | 5,544 |
| Loan and lease loss provision to assets | 0.1510% | 1,353 |
| Net operating income to assets | 1.1797% | 1,603 |
| Return on assets (ROA) | 1.1797% | 1,702 |
| Pretax return on assets | 1.2188% | 2,591 |
| Return on Equity (ROE) | 10.3819% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.3819% | 836 |
| Net charge-offs to loans | 0.0266% | 2,638 |
| Credit loss provision to net charge-offs | 675.0000% | 439 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 723 |
| Efficiency ratio | 59.5710% | 5,148 |
| Assets per employee ($millions) | 6.4718% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 4,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 4,437 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 83.3361% | 353 |
| Net loans and leases to deposits | 95.2631% | 884 |
| Net loans and leases to core deposits | 105.4121% | 978 |
| Total domestic deposits to total assets | 87.4800% | 2,118 |
| Equity capital to assets | 11.5690% | 2,402 |
| Core capital (leverage) ratio | 9.6284% | 4,112 |
| Tier 1 risk-based capital ratio | 12.0176% | 5,222 |
| Total risk-based capital ratio | 13.1478% | 5,196 |
| Memoranda: | ||
| Average total assets | $71,543,000 | 5,215 |
| Average earning assets | $66,563,000 | 5,179 |
| Average equity | $8,129,500 | 5,185 |
| Average total loans | $60,038,500 | 4,490 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 1,016 |
| Cost of funding earning assets | 0.9534% | 282 |
| Net interest margin | 3.8961% | 2,257 |
| Noninterest income to average assets | 0.2716% | 5,181 |
| Noninterest expense to average assets | 2.2319% | 5,277 |
| Loan and lease loss provision to assets | 0.2435% | 951 |
| Net operating income to assets | 1.3844% | 1,112 |
| Return on assets (ROA) | 1.3844% | 1,148 |
| Pretax return on assets | 1.4125% | 1,843 |
| Return on Equity (ROE) | 12.1543% | 1,370 |
| Retained earnings to average equity (ytd only) | 2.5624% | 4,414 |
| Net charge-offs to loans | 0.0094% | 4,721 |
| Credit loss provision to net charge-offs | 3,120.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 212.2000% | 249 |
| Efficiency ratio | 57.4067% | 5,520 |
| Assets per employee ($millions) | 6.5360% | 1,032 |
| Cash dividends to net income (ytd only)* | 78.9177% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 5,048 |
| Loan loss allowance to noncurrent loans | 15,050.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 4,416 |
| Noncurrent loans to loans | 0.0067% | 5,901 |
| Net loans and leases to total assets | 82.7904% | 451 |
| Net loans and leases to deposits | 101.2623% | 557 |
| Net loans and leases to core deposits | 110.8704% | 738 |
| Total domestic deposits to total assets | 81.7584% | 4,504 |
| Equity capital to assets | 11.1592% | 2,741 |
| Core capital (leverage) ratio | 9.1081% | 4,814 |
| Tier 1 risk-based capital ratio | 11.2509% | 5,791 |
| Total risk-based capital ratio | 12.3225% | 5,822 |
| Memoranda: | ||
| Average total assets | $64,070,200 | 5,445 |
| Average earning assets | $59,469,400 | 5,404 |
| Average equity | $7,297,800 | 5,351 |
| Average total loans | $53,009,800 | 4,725 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 888 |
| Cost of funding earning assets | 0.9952% | 254 |
| Net interest margin | 3.9275% | 2,128 |
| Noninterest income to average assets | 0.2855% | 5,158 |
| Noninterest expense to average assets | 2.3011% | 5,101 |
| Loan and lease loss provision to assets | 0.3349% | 543 |
| Net operating income to assets | 1.2622% | 1,488 |
| Return on assets (ROA) | 1.2622% | 1,546 |
| Pretax return on assets | 1.2922% | 2,405 |
| Return on Equity (ROE) | 11.0164% | 1,784 |
| Retained earnings to average equity (ytd only) | 6.6885% | 1,988 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5792% | 5,368 |
| Assets per employee ($millions) | 6.3838% | 1,092 |
| Cash dividends to net income (ytd only)* | 39.2854% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 5,046 |
| Loan loss allowance to noncurrent loans | 203.0100% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 4,635 |
| Noncurrent loans to loans | 0.5100% | 4,399 |
| Net loans and leases to total assets | 82.6166% | 447 |
| Net loans and leases to deposits | 96.7917% | 817 |
| Net loans and leases to core deposits | 105.7799% | 970 |
| Total domestic deposits to total assets | 85.3550% | 3,184 |
| Equity capital to assets | 11.6687% | 2,345 |
| Core capital (leverage) ratio | 9.5997% | 4,242 |
| Tier 1 risk-based capital ratio | 11.9200% | 5,542 |
| Total risk-based capital ratio | 13.0354% | 5,541 |
| Memoranda: | ||
| Average total assets | $62,113,750 | 5,561 |
| Average earning assets | $57,609,750 | 5,525 |
| Average equity | $7,116,500 | 5,438 |
| Average total loans | $51,231,000 | 4,823 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0349% | 703 |
| Cost of funding earning assets | 1.0455% | 201 |
| Net interest margin | 3.9894% | 1,840 |
| Noninterest income to average assets | 0.1919% | 5,812 |
| Noninterest expense to average assets | 2.4137% | 4,840 |
| Loan and lease loss provision to assets | 0.3568% | 494 |
| Net operating income to assets | 1.0907% | 1,974 |
| Return on assets (ROA) | 1.0907% | 2,033 |
| Pretax return on assets | 1.1210% | 3,004 |
| Return on Equity (ROE) | 9.5896% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.3339% | 2,129 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0242% | 5,002 |
| Assets per employee ($millions) | 6.2043% | 1,170 |
| Cash dividends to net income (ytd only)* | 33.9506% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 5,395 |
| Loan loss allowance to noncurrent loans | 185.9532% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 4,695 |
| Noncurrent loans to loans | 0.5326% | 4,415 |
| Net loans and leases to total assets | 81.4380% | 528 |
| Net loans and leases to deposits | 94.1841% | 948 |
| Net loans and leases to core deposits | 97.7454% | 1,460 |
| Total domestic deposits to total assets | 86.4668% | 2,778 |
| Equity capital to assets | 11.7969% | 2,158 |
| Core capital (leverage) ratio | 9.3195% | 4,563 |
| Tier 1 risk-based capital ratio | 12.3649% | 5,325 |
| Total risk-based capital ratio | 13.4495% | 5,336 |
| Memoranda: | ||
| Average total assets | $59,411,000 | 5,679 |
| Average earning assets | $55,095,330 | 5,656 |
| Average equity | $6,757,330 | 5,543 |
| Average total loans | $48,767,330 | 4,939 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3689% | 367 |
| Cost of funding earning assets | 1.1583% | 115 |
| Net interest margin | 4.2106% | 1,188 |
| Noninterest income to average assets | 0.1237% | 6,227 |
| Noninterest expense to average assets | 2.6331% | 4,170 |
| Loan and lease loss provision to assets | 0.3637% | 477 |
| Net operating income to assets | 1.0401% | 2,040 |
| Return on assets (ROA) | 1.0401% | 2,115 |
| Pretax return on assets | 1.0401% | 3,165 |
| Return on Equity (ROE) | 9.3609% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.3609% | 1,142 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2252% | 4,653 |
| Assets per employee ($millions) | 5.9430% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 5,837 |
| Loan loss allowance to noncurrent loans | 167.5585% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4193% | 4,880 |
| Noncurrent loans to loans | 0.5433% | 4,540 |
| Net loans and leases to total assets | 76.4597% | 946 |
| Net loans and leases to deposits | 87.6966% | 1,392 |
| Net loans and leases to core deposits | 90.8300% | 1,842 |
| Total domestic deposits to total assets | 87.1866% | 2,715 |
| Equity capital to assets | 11.1882% | 2,536 |
| Core capital (leverage) ratio | 9.2648% | 4,626 |
| Tier 1 risk-based capital ratio | 12.1398% | 5,548 |
| Total risk-based capital ratio | 13.1113% | 5,656 |
| Memoranda: | ||
| Average total assets | $54,993,000 | 5,846 |
| Average earning assets | $51,109,000 | 5,811 |
| Average equity | $6,110,500 | 5,723 |
| Average total loans | $45,083,500 | 5,115 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,604 |
| Cost of funding earning assets | 0.9034% | 725 |
| Net interest margin | 3.7838% | 2,712 |
| Noninterest income to average assets | 0.2357% | 5,663 |
| Noninterest expense to average assets | 2.2228% | 5,570 |
| Loan and lease loss provision to assets | 0.3424% | 930 |
| Net operating income to assets | 1.1114% | 1,895 |
| Return on assets (ROA) | 1.1114% | 1,965 |
| Pretax return on assets | 1.1619% | 2,726 |
| Return on Equity (ROE) | 9.7991% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.7991% | 592 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6386% | 5,516 |
| Assets per employee ($millions) | 5.5243% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 89.7026% | 46 |
| Net loans and leases to deposits | 103.8936% | 327 |
| Net loans and leases to core deposits | 107.0683% | 738 |
| Total domestic deposits to total assets | 86.3408% | 3,088 |
| Equity capital to assets | 10.9697% | 2,639 |
| Core capital (leverage) ratio | 8.8253% | 5,241 |
| Tier 1 risk-based capital ratio | 11.0690% | 6,140 |
| Total risk-based capital ratio | 12.3212% | 6,080 |
| Memoranda: | ||
| Average total assets | $35,631,000 | 6,402 |
| Average earning assets | $32,876,600 | 6,380 |
| Average equity | $4,041,200 | 6,316 |
| Average total loans | $30,928,800 | 5,714 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 1,658 |
| Cost of funding earning assets | 0.9378% | 677 |
| Net interest margin | 3.7387% | 2,891 |
| Noninterest income to average assets | 0.2026% | 5,967 |
| Noninterest expense to average assets | 2.1756% | 5,664 |
| Loan and lease loss provision to assets | 0.2753% | 1,266 |
| Net operating income to assets | 1.1279% | 1,892 |
| Return on assets (ROA) | 1.1279% | 1,962 |
| Pretax return on assets | 1.1815% | 2,777 |
| Return on Equity (ROE) | 9.8552% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.8552% | 822 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8947% | 5,451 |
| Assets per employee ($millions) | 5.3951% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 4,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 88.5823% | 73 |
| Net loans and leases to deposits | 112.1338% | 131 |
| Net loans and leases to core deposits | 115.9664% | 392 |
| Total domestic deposits to total assets | 78.9970% | 5,743 |
| Equity capital to assets | 10.9649% | 2,789 |
| Core capital (leverage) ratio | 8.8799% | 5,280 |
| Tier 1 risk-based capital ratio | 11.0888% | 6,238 |
| Total risk-based capital ratio | 12.3731% | 6,189 |
| Memoranda: | ||
| Average total assets | $34,871,250 | 6,488 |
| Average earning assets | $31,989,000 | 6,471 |
| Average equity | $3,991,000 | 6,404 |
| Average total loans | $29,876,500 | 5,821 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,843 |
| Cost of funding earning assets | 0.9728% | 631 |
| Net interest margin | 3.6319% | 3,237 |
| Noninterest income to average assets | 0.2182% | 5,877 |
| Noninterest expense to average assets | 2.1235% | 5,819 |
| Loan and lease loss provision to assets | 0.2477% | 1,508 |
| Net operating income to assets | 1.0971% | 1,938 |
| Return on assets (ROA) | 1.0971% | 2,051 |
| Pretax return on assets | 1.1502% | 2,884 |
| Return on Equity (ROE) | 9.4392% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.4392% | 981 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3015% | 5,439 |
| Assets per employee ($millions) | 6.0085% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 5,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 85.8783% | 157 |
| Net loans and leases to deposits | 105.0239% | 250 |
| Net loans and leases to core deposits | 108.6430% | 620 |
| Total domestic deposits to total assets | 81.7703% | 5,128 |
| Equity capital to assets | 11.1842% | 2,567 |
| Core capital (leverage) ratio | 9.1906% | 4,710 |
| Tier 1 risk-based capital ratio | 11.1600% | 6,260 |
| Total risk-based capital ratio | 12.4450% | 6,219 |
| Memoranda: | ||
| Average total assets | $33,906,330 | 6,555 |
| Average earning assets | $30,837,670 | 6,543 |
| Average equity | $3,941,000 | 6,464 |
| Average total loans | $28,550,670 | 5,911 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5170% | 2,109 |
| Cost of funding earning assets | 1.0351% | 509 |
| Net interest margin | 3.4818% | 3,775 |
| Noninterest income to average assets | 0.1584% | 6,314 |
| Noninterest expense to average assets | 2.0832% | 5,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1817% | 1,582 |
| Return on assets (ROA) | 1.1817% | 1,693 |
| Pretax return on assets | 1.2304% | 2,469 |
| Return on Equity (ROE) | 9.9602% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.9602% | 1,115 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8676% | 5,172 |
| Assets per employee ($millions) | 6.7706% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 5,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 78.1703% | 594 |
| Net loans and leases to deposits | 91.6880% | 830 |
| Net loans and leases to core deposits | 94.9039% | 1,275 |
| Total domestic deposits to total assets | 85.2568% | 3,920 |
| Equity capital to assets | 11.6504% | 2,289 |
| Core capital (leverage) ratio | 9.5019% | 4,075 |
| Tier 1 risk-based capital ratio | 12.1145% | 5,847 |
| Total risk-based capital ratio | 13.3648% | 5,795 |
| Memoranda: | ||
| Average total assets | $32,834,000 | 6,648 |
| Average earning assets | $29,754,500 | 6,626 |
| Average equity | $3,895,500 | 6,538 |
| Average total loans | $27,161,000 | 6,019 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 2,162 |
| Cost of funding earning assets | 1.3084% | 362 |
| Net interest margin | 3.4996% | 4,503 |
| Noninterest income to average assets | 0.2631% | 5,579 |
| Noninterest expense to average assets | 2.1589% | 6,005 |
| Loan and lease loss provision to assets | 0.1395% | 3,865 |
| Net operating income to assets | 1.0652% | 2,069 |
| Return on assets (ROA) | 1.0652% | 2,255 |
| Pretax return on assets | 1.1445% | 3,005 |
| Return on Equity (ROE) | 9.1924% | 2,539 |
| Retained earnings to average equity (ytd only) | 9.1924% | 763 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7072% | 5,129 |
| Assets per employee ($millions) | 6.3630% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 5,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 85.5037% | 151 |
| Net loans and leases to deposits | 101.0438% | 371 |
| Net loans and leases to core deposits | 104.8285% | 739 |
| Total domestic deposits to total assets | 84.6205% | 4,026 |
| Equity capital to assets | 12.0918% | 1,988 |
| Core capital (leverage) ratio | 9.2883% | 4,435 |
| Tier 1 risk-based capital ratio | 11.6419% | 6,008 |
| Total risk-based capital ratio | 12.8925% | 5,973 |
| Memoranda: | ||
| Average total assets | $31,543,400 | 6,717 |
| Average earning assets | $28,660,600 | 6,696 |
| Average equity | $3,655,200 | 6,648 |
| Average total loans | $25,674,600 | 6,155 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 2,419 |
| Cost of funding earning assets | 1.3748% | 325 |
| Net interest margin | 3.4182% | 4,969 |
| Noninterest income to average assets | 0.1567% | 6,368 |
| Noninterest expense to average assets | 2.1646% | 6,028 |
| Loan and lease loss provision to assets | 0.1864% | 3,258 |
| Net operating income to assets | 0.8218% | 3,334 |
| Return on assets (ROA) | 0.8218% | 3,575 |
| Pretax return on assets | 0.9023% | 4,086 |
| Return on Equity (ROE) | 7.1706% | 3,716 |
| Retained earnings to average equity (ytd only) | 7.1706% | 2,025 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5365% | 4,345 |
| Assets per employee ($millions) | 6.4966% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 83.4221% | 256 |
| Net loans and leases to deposits | 97.7279% | 560 |
| Net loans and leases to core deposits | 101.2593% | 1,033 |
| Total domestic deposits to total assets | 85.3616% | 3,584 |
| Equity capital to assets | 11.4121% | 2,835 |
| Core capital (leverage) ratio | 8.6660% | 5,526 |
| Tier 1 risk-based capital ratio | 11.3937% | 6,301 |
| Total risk-based capital ratio | 12.6430% | 6,259 |
| Memoranda: | ||
| Average total assets | $31,475,500 | 6,803 |
| Average earning assets | $28,513,500 | 6,786 |
| Average equity | $3,607,250 | 6,742 |
| Average total loans | $25,210,500 | 6,265 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 2,754 |
| Cost of funding earning assets | 1.3850% | 372 |
| Net interest margin | 3.3565% | 5,242 |
| Noninterest income to average assets | 0.1220% | 6,572 |
| Noninterest expense to average assets | 2.2030% | 6,001 |
| Loan and lease loss provision to assets | 0.1285% | 3,919 |
| Net operating income to assets | 0.7515% | 3,596 |
| Return on assets (ROA) | 0.7515% | 3,871 |
| Pretax return on assets | 0.8414% | 4,310 |
| Return on Equity (ROE) | 6.5473% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.5473% | 2,359 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4332% | 3,863 |
| Assets per employee ($millions) | 8.3945% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 5,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 6,590 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 73.1253% | 1,376 |
| Net loans and leases to deposits | 88.0040% | 1,365 |
| Net loans and leases to core deposits | 92.0108% | 1,777 |
| Total domestic deposits to total assets | 83.0931% | 4,719 |
| Equity capital to assets | 10.8047% | 3,334 |
| Core capital (leverage) ratio | 8.7260% | 5,338 |
| Tier 1 risk-based capital ratio | 11.6810% | 6,118 |
| Total risk-based capital ratio | 12.9323% | 6,097 |
| Memoranda: | ||
| Average total assets | $31,139,670 | 6,864 |
| Average earning assets | $28,303,330 | 6,843 |
| Average equity | $3,574,000 | 6,791 |
| Average total loans | $24,472,000 | 6,346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 2,206 |
| Cost of funding earning assets | 1.4085% | 416 |
| Net interest margin | 3.4995% | 4,705 |
| Noninterest income to average assets | 0.0802% | 6,823 |
| Noninterest expense to average assets | 2.0053% | 6,448 |
| Loan and lease loss provision to assets | 0.2674% | 2,322 |
| Net operating income to assets | 0.9626% | 2,631 |
| Return on assets (ROA) | 0.9626% | 2,829 |
| Pretax return on assets | 1.0294% | 3,573 |
| Return on Equity (ROE) | 8.1195% | 3,235 |
| Retained earnings to average equity (ytd only) | 8.1195% | 1,942 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7287% | 5,500 |
| Assets per employee ($millions) | 8.1293% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 5,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 6,663 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 74.3457% | 1,008 |
| Net loans and leases to deposits | 89.9033% | 970 |
| Net loans and leases to core deposits | 94.1321% | 1,456 |
| Total domestic deposits to total assets | 82.6952% | 5,043 |
| Equity capital to assets | 11.0189% | 2,886 |
| Core capital (leverage) ratio | 9.2613% | 4,422 |
| Tier 1 risk-based capital ratio | 11.4849% | 6,290 |
| Total risk-based capital ratio | 12.7336% | 6,274 |
| Memoranda: | ||
| Average total assets | $29,920,500 | 6,951 |
| Average earning assets | $27,547,000 | 6,919 |
| Average equity | $3,547,000 | 6,838 |
| Average total loans | $24,279,000 | 6,405 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0811% | 2,523 |
| Cost of funding earning assets | 1.5314% | 633 |
| Net interest margin | 3.5497% | 4,936 |
| Noninterest income to average assets | 0.3287% | 5,191 |
| Noninterest expense to average assets | 2.3124% | 6,008 |
| Loan and lease loss provision to assets | 0.2752% | 3,468 |
| Net operating income to assets | 0.9746% | 2,300 |
| Return on assets (ROA) | 0.9746% | 2,437 |
| Pretax return on assets | 1.0014% | 3,241 |
| Return on Equity (ROE) | 7.4292% | 3,185 |
| Retained earnings to average equity (ytd only) | 4.5158% | 2,958 |
| Net charge-offs to loans | 0.0190% | 6,175 |
| Credit loss provision to net charge-offs | 1,800.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 351 |
| Efficiency ratio | 64.4302% | 5,051 |
| Assets per employee ($millions) | 6.8310% | 802 |
| Cash dividends to net income (ytd only)* | 39.2157% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 6,693 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 87.0846% | 103 |
| Net loans and leases to deposits | 114.5202% | 115 |
| Net loans and leases to core deposits | 121.5395% | 330 |
| Total domestic deposits to total assets | 76.0430% | 6,476 |
| Equity capital to assets | 12.8495% | 1,573 |
| Core capital (leverage) ratio | 9.7300% | 3,703 |
| Tier 1 risk-based capital ratio | 11.7118% | 6,014 |
| Total risk-based capital ratio | 12.9609% | 6,003 |
| Memoranda: | ||
| Average total assets | $26,163,600 | 7,068 |
| Average earning assets | $24,030,400 | 7,040 |
| Average equity | $3,432,400 | 6,899 |
| Average total loans | $21,025,600 | 6,606 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 3,190 |
| Cost of funding earning assets | 1.5664% | 673 |
| Net interest margin | 3.4134% | 5,530 |
| Noninterest income to average assets | 0.2113% | 6,103 |
| Noninterest expense to average assets | 2.1746% | 6,332 |
| Loan and lease loss provision to assets | 0.3710% | 2,628 |
| Net operating income to assets | 0.7987% | 3,170 |
| Return on assets (ROA) | 0.7987% | 3,331 |
| Pretax return on assets | 0.7987% | 4,133 |
| Return on Equity (ROE) | 6.0555% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.0555% | 2,528 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0231% | 4,894 |
| Assets per employee ($millions) | 6.7395% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 5,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 6,789 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 85.0657% | 159 |
| Net loans and leases to deposits | 112.6160% | 151 |
| Net loans and leases to core deposits | 119.6244% | 397 |
| Total domestic deposits to total assets | 75.5360% | 6,587 |
| Equity capital to assets | 13.0277% | 1,605 |
| Core capital (leverage) ratio | 9.7374% | 3,796 |
| Tier 1 risk-based capital ratio | 12.2907% | 5,674 |
| Total risk-based capital ratio | 13.5428% | 5,657 |
| Memoranda: | ||
| Average total assets | $25,873,500 | 7,149 |
| Average earning assets | $23,748,750 | 7,126 |
| Average equity | $3,412,750 | 6,962 |
| Average total loans | $20,262,250 | 6,709 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 4,246 |
| Cost of funding earning assets | 1.5870% | 735 |
| Net interest margin | 3.1739% | 6,231 |
| Noninterest income to average assets | 0.0941% | 6,858 |
| Noninterest expense to average assets | 2.2264% | 6,310 |
| Loan and lease loss provision to assets | 0.3685% | 2,586 |
| Net operating income to assets | 0.4312% | 4,805 |
| Return on assets (ROA) | 0.4312% | 4,953 |
| Pretax return on assets | 0.4312% | 5,290 |
| Return on Equity (ROE) | 3.2548% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.2548% | 4,195 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5751% | 3,445 |
| Assets per employee ($millions) | 6.8860% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 5,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 6,833 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 76.7644% | 950 |
| Net loans and leases to deposits | 95.6829% | 752 |
| Net loans and leases to core deposits | 101.1046% | 1,249 |
| Total domestic deposits to total assets | 80.2280% | 5,759 |
| Equity capital to assets | 12.3911% | 1,850 |
| Core capital (leverage) ratio | 9.6622% | 3,716 |
| Tier 1 risk-based capital ratio | 12.3123% | 5,509 |
| Total risk-based capital ratio | 13.5636% | 5,486 |
| Memoranda: | ||
| Average total assets | $25,512,000 | 7,228 |
| Average earning assets | $23,567,000 | 7,199 |
| Average equity | $3,379,670 | 7,019 |
| Average total loans | $19,276,330 | 6,827 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 4,465 |
| Cost of funding earning assets | 1.6833% | 594 |
| Net interest margin | 3.0300% | 6,510 |
| Noninterest income to average assets | 0.0490% | 7,143 |
| Noninterest expense to average assets | 2.3024% | 6,177 |
| Loan and lease loss provision to assets | 0.3429% | 2,510 |
| Net operating income to assets | 0.1960% | 5,793 |
| Return on assets (ROA) | 0.1960% | 5,853 |
| Pretax return on assets | 0.1960% | 5,946 |
| Return on Equity (ROE) | 1.4273% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.4273% | 5,251 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0345% | 2,365 |
| Assets per employee ($millions) | 6.6163% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 5,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 6,894 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 71.2375% | 1,875 |
| Net loans and leases to deposits | 89.5077% | 1,292 |
| Net loans and leases to core deposits | 93.7168% | 1,929 |
| Total domestic deposits to total assets | 79.5881% | 6,042 |
| Equity capital to assets | 12.7262% | 1,509 |
| Core capital (leverage) ratio | 9.9354% | 3,218 |
| Tier 1 risk-based capital ratio | 13.1527% | 4,709 |
| Total risk-based capital ratio | 14.4010% | 4,686 |
| Memoranda: | ||
| Average total assets | $24,496,000 | 7,304 |
| Average earning assets | $22,574,500 | 7,278 |
| Average equity | $3,363,000 | 7,060 |
| Average total loans | $18,211,000 | 6,930 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 3,997 |
| Cost of funding earning assets | 1.7832% | 1,238 |
| Net interest margin | 3.3384% | 5,842 |
| Noninterest income to average assets | 0.3872% | 5,001 |
| Noninterest expense to average assets | 2.7996% | 4,608 |
| Loan and lease loss provision to assets | 0.3977% | 3,729 |
| Net operating income to assets | 0.1779% | 5,348 |
| Return on assets (ROA) | 0.1779% | 5,515 |
| Pretax return on assets | 0.1779% | 5,531 |
| Return on Equity (ROE) | 1.0241% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.0241% | 5,027 |
| Net charge-offs to loans | 0.0423% | 6,383 |
| Credit loss provision to net charge-offs | 1,266.6667% | 177 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,106 |
| Efficiency ratio | 82.9457% | 2,058 |
| Assets per employee ($millions) | 4.5054% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 5,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1953% | 6,732 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.9799% | 1,276 |
| Net loans and leases to deposits | 99.8542% | 589 |
| Net loans and leases to core deposits | 105.6413% | 1,214 |
| Total domestic deposits to total assets | 76.0909% | 6,625 |
| Equity capital to assets | 14.9066% | 811 |
| Core capital (leverage) ratio | 11.0860% | 2,097 |
| Tier 1 risk-based capital ratio | 14.2535% | 3,715 |
| Total risk-based capital ratio | 15.5007% | 3,666 |
| Memoranda: | ||
| Average total assets | $19,109,600 | 7,484 |
| Average earning assets | $17,103,800 | 7,472 |
| Average equity | $3,320,000 | 7,186 |
| Average total loans | $14,173,000 | 7,201 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0878% | 4,386 |
| Cost of funding earning assets | 1.7754% | 1,528 |
| Net interest margin | 3.3124% | 5,970 |
| Noninterest income to average assets | 0.2629% | 6,015 |
| Noninterest expense to average assets | 2.8557% | 4,257 |
| Loan and lease loss provision to assets | 0.3506% | 3,807 |
| Net operating income to assets | 0.0000% | 5,999 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | 0.0000% | 6,087 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,777 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0661% | 1,364 |
| Assets per employee ($millions) | 4.1416% | 3,565 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 5,412 |
| Loan loss allowance to noncurrent loans | 328.8136% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,659 |
| Noncurrent loans to loans | 0.3696% | 6,452 |
| Net loans and leases to total assets | 76.1445% | 1,384 |
| Net loans and leases to deposits | 102.6964% | 498 |
| Net loans and leases to core deposits | 109.3330% | 1,076 |
| Total domestic deposits to total assets | 74.1453% | 6,903 |
| Equity capital to assets | 16.0518% | 658 |
| Core capital (leverage) ratio | 12.2047% | 1,562 |
| Tier 1 risk-based capital ratio | 15.9290% | 2,795 |
| Total risk-based capital ratio | 17.1772% | 2,744 |
| Memoranda: | ||
| Average total assets | $18,255,250 | 7,602 |
| Average earning assets | $16,221,250 | 7,587 |
| Average equity | $3,310,500 | 7,277 |
| Average total loans | $13,383,250 | 7,331 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 4,694 |
| Cost of funding earning assets | 1.7403% | 1,916 |
| Net interest margin | 3.3118% | 5,975 |
| Noninterest income to average assets | 0.1262% | 6,965 |
| Noninterest expense to average assets | 3.0165% | 3,648 |
| Loan and lease loss provision to assets | 0.3326% | 3,739 |
| Net operating income to assets | -0.2982% | 6,471 |
| Return on assets (ROA) | -0.2982% | 6,518 |
| Pretax return on assets | -0.2982% | 6,424 |
| Return on Equity (ROE) | -1.5729% | 6,384 |
| Retained earnings to average equity (ytd only) | -1.5729% | 6,080 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8722% | 847 |
| Assets per employee ($millions) | 3.7982% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,161 |
| Loan loss allowance to noncurrent loans | 296.6102% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 6,634 |
| Noncurrent loans to loans | 0.4226% | 6,397 |
| Net loans and leases to total assets | 72.5923% | 2,260 |
| Net loans and leases to deposits | 100.8633% | 656 |
| Net loans and leases to core deposits | 105.6884% | 1,478 |
| Total domestic deposits to total assets | 71.9709% | 7,186 |
| Equity capital to assets | 17.3661% | 481 |
| Core capital (leverage) ratio | 13.2859% | 1,117 |
| Tier 1 risk-based capital ratio | 17.8231% | 2,001 |
| Total risk-based capital ratio | 19.0749% | 1,965 |
| Memoranda: | ||
| Average total assets | $17,437,670 | 7,681 |
| Average earning assets | $15,399,330 | 7,673 |
| Average equity | $3,306,000 | 7,322 |
| Average total loans | $12,523,670 | 7,429 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 5,603 |
| Cost of funding earning assets | 1.6874% | 2,452 |
| Net interest margin | 3.1842% | 6,339 |
| Noninterest income to average assets | 0.1440% | 6,946 |
| Noninterest expense to average assets | 3.1691% | 2,980 |
| Loan and lease loss provision to assets | 0.4321% | 2,796 |
| Net operating income to assets | -0.6482% | 6,926 |
| Return on assets (ROA) | -0.6482% | 6,956 |
| Pretax return on assets | -0.6482% | 6,868 |
| Return on Equity (ROE) | -3.2628% | 6,764 |
| Retained earnings to average equity (ytd only) | -3.2628% | 6,400 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3171% | 650 |
| Assets per employee ($millions) | 3.5306% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,954 |
| Loan loss allowance to noncurrent loans | 124.2424% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 5,659 |
| Noncurrent loans to loans | 1.0435% | 5,255 |
| Net loans and leases to total assets | 70.7302% | 2,757 |
| Net loans and leases to deposits | 101.1995% | 682 |
| Net loans and leases to core deposits | 103.8164% | 1,758 |
| Total domestic deposits to total assets | 69.8918% | 7,415 |
| Equity capital to assets | 18.6767% | 364 |
| Core capital (leverage) ratio | 14.8756% | 775 |
| Tier 1 risk-based capital ratio | 19.6742% | 1,590 |
| Total risk-based capital ratio | 20.9234% | 1,555 |
| Memoranda: | ||
| Average total assets | $16,661,000 | 7,800 |
| Average earning assets | $14,697,500 | 7,790 |
| Average equity | $3,310,000 | 7,402 |
| Average total loans | $11,805,000 | 7,559 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 7,394 |
| Cost of funding earning assets | 1.5835% | 5,110 |
| Net interest margin | 2.9032% | 6,865 |
| Noninterest income to average assets | 0.1845% | 6,771 |
| Noninterest expense to average assets | 3.6255% | 2,092 |
| Loan and lease loss provision to assets | 0.6176% | 3,329 |
| Net operating income to assets | -1.4999% | 6,855 |
| Return on assets (ROA) | -1.4999% | 6,868 |
| Pretax return on assets | -1.4999% | 6,703 |
| Return on Equity (ROE) | -6.7378% | 6,366 |
| Retained earnings to average equity (ytd only) | -6.7378% | 6,216 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.1637% | 456 |
| Assets per employee ($millions) | 3.1338% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 4,531 |
| Loan loss allowance to noncurrent loans | 110.5263% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 5,409 |
| Noncurrent loans to loans | 1.2135% | 4,926 |
| Net loans and leases to total assets | 69.0089% | 3,488 |
| Net loans and leases to deposits | 104.6858% | 613 |
| Net loans and leases to core deposits | 118.8503% | 2,050 |
| Total domestic deposits to total assets | 65.9200% | 7,643 |
| Equity capital to assets | 21.2075% | 242 |
| Core capital (leverage) ratio | 15.7898% | 646 |
| Tier 1 risk-based capital ratio | 22.5340% | 1,087 |
| Total risk-based capital ratio | 23.7885% | 1,064 |
| Memoranda: | ||
| Average total assets | $12,467,400 | 7,942 |
| Average earning assets | $10,988,000 | 7,929 |
| Average equity | $2,775,400 | 7,653 |
| Average total loans | $7,357,600 | 7,812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 7,725 |
| Cost of funding earning assets | 1.5658% | 5,566 |
| Net interest margin | 2.6269% | 7,322 |
| Noninterest income to average assets | 0.1600% | 7,054 |
| Noninterest expense to average assets | 3.6798% | 1,868 |
| Loan and lease loss provision to assets | 0.7085% | 2,608 |
| Net operating income to assets | -1.9085% | 7,280 |
| Return on assets (ROA) | -1.9085% | 7,282 |
| Pretax return on assets | -1.9085% | 7,136 |
| Return on Equity (ROE) | -8.4389% | 6,768 |
| Retained earnings to average equity (ytd only) | -8.4389% | 6,654 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.3871% | 331 |
| Assets per employee ($millions) | 3.8173% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 4,131 |
| Loan loss allowance to noncurrent loans | 97.7612% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8776% | 5,327 |
| Noncurrent loans to loans | 1.3973% | 4,576 |
| Net loans and leases to total assets | 61.9490% | 5,252 |
| Net loans and leases to deposits | 95.6131% | 1,631 |
| Net loans and leases to core deposits | 109.1003% | 3,334 |
| Total domestic deposits to total assets | 64.7914% | 7,736 |
| Equity capital to assets | 21.9006% | 248 |
| Core capital (leverage) ratio | 18.1419% | 445 |
| Tier 1 risk-based capital ratio | 25.0054% | 901 |
| Total risk-based capital ratio | 26.2578% | 875 |
| Memoranda: | ||
| Average total assets | $11,667,000 | 8,037 |
| Average earning assets | $10,303,500 | 8,021 |
| Average equity | $2,638,500 | 7,768 |
| Average total loans | $6,457,000 | 7,923 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 7,889 |
| Cost of funding earning assets | 1.6664% | 5,440 |
| Net interest margin | 2.3806% | 7,592 |
| Noninterest income to average assets | 0.1529% | 7,177 |
| Noninterest expense to average assets | 4.0893% | 1,200 |
| Loan and lease loss provision to assets | 0.4586% | 3,234 |
| Net operating income to assets | -2.2931% | 7,509 |
| Return on assets (ROA) | -2.2931% | 7,504 |
| Pretax return on assets | -2.2931% | 7,372 |
| Return on Equity (ROE) | -9.9861% | 7,032 |
| Retained earnings to average equity (ytd only) | -9.9861% | 6,873 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.3559% | 249 |
| Assets per employee ($millions) | 3.3973% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,693 |
| Loan loss allowance to noncurrent loans | 67.8832% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 4,952 |
| Noncurrent loans to loans | 1.8223% | 3,779 |
| Net loans and leases to total assets | 54.6398% | 6,365 |
| Net loans and leases to deposits | 71.4423% | 5,818 |
| Net loans and leases to core deposits | 80.9088% | 6,330 |
| Total domestic deposits to total assets | 76.4810% | 6,442 |
| Equity capital to assets | 23.2909% | 242 |
| Core capital (leverage) ratio | 18.0245% | 512 |
| Tier 1 risk-based capital ratio | 26.0017% | 864 |
| Total risk-based capital ratio | 27.1343% | 846 |
| Memoranda: | ||
| Average total assets | $10,466,330 | 8,138 |
| Average earning assets | $9,241,330 | 8,124 |
| Average equity | $2,403,330 | 7,905 |
| Average total loans | $5,412,670 | 8,051 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 7,927 |
| Cost of funding earning assets | 1.7367% | 5,443 |
| Net interest margin | 2.4007% | 7,611 |
| Noninterest income to average assets | 0.1797% | 7,010 |
| Noninterest expense to average assets | 4.4469% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.1561% | 7,702 |
| Return on assets (ROA) | -2.1561% | 7,700 |
| Pretax return on assets | -2.1561% | 7,575 |
| Return on Equity (ROE) | -9.4932% | 7,330 |
| Retained earnings to average equity (ytd only) | -9.4932% | 7,057 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.1176% | 205 |
| Assets per employee ($millions) | 2.9218% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 4,538 |
| Loan loss allowance to noncurrent loans | 92.0000% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 5,566 |
| Noncurrent loans to loans | 1.3451% | 4,298 |
| Net loans and leases to total assets | 47.1207% | 7,092 |
| Net loans and leases to deposits | 65.2875% | 6,441 |
| Net loans and leases to core deposits | 75.1809% | 6,736 |
| Total domestic deposits to total assets | 72.1742% | 7,182 |
| Equity capital to assets | 27.6803% | 174 |
| Core capital (leverage) ratio | 24.6836% | 237 |
| Tier 1 risk-based capital ratio | 34.6160% | 453 |
| Total risk-based capital ratio | 35.6055% | 447 |
| Memoranda: | ||
| Average total assets | $8,905,000 | 8,210 |
| Average earning assets | $7,831,000 | 8,197 |
| Average equity | $2,022,500 | 8,053 |
| Average total loans | $4,360,000 | 8,124 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 7,889 |
| Cost of funding earning assets | 1.6615% | 7,335 |
| Net interest margin | 3.2578% | 6,190 |
| Noninterest income to average assets | 0.3062% | 6,263 |
| Noninterest expense to average assets | 3.5667% | 2,227 |
| Loan and lease loss provision to assets | 0.1378% | 5,595 |
| Net operating income to assets | -0.1592% | 6,573 |
| Return on assets (ROA) | -0.0612% | 6,305 |
| Pretax return on assets | -0.1837% | 6,357 |
| Return on Equity (ROE) | -0.4876% | 6,296 |
| Retained earnings to average equity (ytd only) | -0.4876% | 5,433 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9091% | 813 |
| Assets per employee ($millions) | 2.0410% | 7,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 955 |
| Loan loss allowance to noncurrent loans | 33.0144% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 5.7978% | 534 |
| Noncurrent loans to loans | 6.6476% | 478 |
| Net loans and leases to total assets | 50.2205% | 7,013 |
| Net loans and leases to deposits | 57.9642% | 7,208 |
| Net loans and leases to core deposits | 60.2351% | 7,578 |
| Total domestic deposits to total assets | 86.6405% | 2,118 |
| Equity capital to assets | 13.2288% | 1,696 |
| Core capital (leverage) ratio | 12.5913% | 1,710 |
| Tier 1 risk-based capital ratio | 21.6404% | 1,365 |
| Total risk-based capital ratio | 22.8961% | 1,327 |
| Memoranda: | ||
| Average total assets | $6,532,600 | 8,288 |
| Average earning assets | $6,139,200 | 8,275 |
| Average equity | $820,400 | 8,287 |
| Average total loans | $3,946,000 | 8,195 |