Home > Wheeler County State Bank > Performance and Condition Ratios
Wheeler County State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0968% | 1,063 |
| Cost of funding earning assets | 1.5118% | 3,166 |
| Net interest margin | 4.5850% | 551 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 2.2282% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.3661% | 259 |
| Return on assets (ROA) | 2.3661% | 259 |
| Pretax return on assets | 2.3771% | 382 |
| Return on Equity (ROE) | 18.0100% | 643 |
| Retained earnings to average equity (ytd only) | 11.2946% | 900 |
| Net charge-offs to loans | -0.0042% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 48.3840% | 3,990 |
| Assets per employee ($millions) | 7.2752% | 2,031 |
| Cash dividends to net income (ytd only)* | 37.2803% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 903 |
| Loan loss allowance to noncurrent loans | 2,233.3333% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,443 |
| Noncurrent loans to loans | 0.0694% | 3,327 |
| Net loans and leases to total assets | 51.4700% | 3,494 |
| Net loans and leases to deposits | 59.8143% | 3,492 |
| Net loans and leases to core deposits | 70.6352% | 3,258 |
| Total domestic deposits to total assets | 86.0500% | 2,283 |
| Equity capital to assets | 13.3879% | 828 |
| Core capital (leverage) ratio | 13.5164% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $182,747,000 | 3,133 |
| Average earning assets | $177,798,000 | 3,056 |
| Average equity | $24,011,500 | 2,759 |
| Average total loans | $94,251,500 | 3,266 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6066% | 621 |
| Cost of funding earning assets | 1.6214% | 3,132 |
| Net interest margin | 4.9852% | 339 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 2.3587% | 2,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.6261% | 194 |
| Return on assets (ROA) | 2.6261% | 197 |
| Pretax return on assets | 2.6261% | 268 |
| Return on Equity (ROE) | 19.1900% | 454 |
| Retained earnings to average equity (ytd only) | 8.2663% | 1,031 |
| Net charge-offs to loans | -0.0011% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 47.3177% | 4,124 |
| Assets per employee ($millions) | 7.0620% | 2,121 |
| Cash dividends to net income (ytd only)* | 56.9313% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 837 |
| Loan loss allowance to noncurrent loans | 1,107.5188% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,168 |
| Noncurrent loans to loans | 0.1424% | 2,956 |
| Net loans and leases to total assets | 50.0800% | 3,624 |
| Net loans and leases to deposits | 58.0628% | 3,618 |
| Net loans and leases to core deposits | 69.1386% | 3,391 |
| Total domestic deposits to total assets | 86.2400% | 2,142 |
| Equity capital to assets | 12.8929% | 909 |
| Core capital (leverage) ratio | 13.1863% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $164,540,600 | 3,244 |
| Average earning assets | $158,508,600 | 3,189 |
| Average equity | $22,513,000 | 2,802 |
| Average total loans | $91,274,000 | 3,290 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7110% | 532 |
| Cost of funding earning assets | 1.6026% | 3,162 |
| Net interest margin | 5.1083% | 294 |
| Noninterest income to average assets | 0.1900% | 3,746 |
| Noninterest expense to average assets | 2.3858% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.7155% | 183 |
| Return on assets (ROA) | 2.7155% | 188 |
| Pretax return on assets | 2.7155% | 262 |
| Return on Equity (ROE) | 19.5200% | 461 |
| Retained earnings to average equity (ytd only) | 7.8115% | 1,447 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 46.7692% | 4,135 |
| Assets per employee ($millions) | 6.9621% | 2,169 |
| Cash dividends to net income (ytd only)* | 59.9877% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 904 |
| Loan loss allowance to noncurrent loans | 1,074.4526% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,162 |
| Noncurrent loans to loans | 0.1460% | 2,954 |
| Net loans and leases to total assets | 53.0700% | 3,480 |
| Net loans and leases to deposits | 61.8568% | 3,489 |
| Net loans and leases to core deposits | 75.1267% | 3,115 |
| Total domestic deposits to total assets | 85.8000% | 2,006 |
| Equity capital to assets | 13.2810% | 889 |
| Core capital (leverage) ratio | 13.0232% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $159,772,500 | 3,278 |
| Average earning assets | $153,575,250 | 3,229 |
| Average equity | $22,223,000 | 2,810 |
| Average total loans | $90,737,750 | 3,302 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6708% | 518 |
| Cost of funding earning assets | 1.4353% | 3,418 |
| Net interest margin | 5.2355% | 252 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 2.4140% | 2,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.8036% | 177 |
| Return on assets (ROA) | 2.8036% | 180 |
| Pretax return on assets | 2.8036% | 245 |
| Return on Equity (ROE) | 19.8200% | 465 |
| Retained earnings to average equity (ytd only) | 6.5313% | 1,809 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 46.2661% | 4,172 |
| Assets per employee ($millions) | 7.6098% | 1,669 |
| Cash dividends to net income (ytd only)* | 67.0502% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 854 |
| Loan loss allowance to noncurrent loans | 845.9770% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 2,991 |
| Noncurrent loans to loans | 0.1894% | 2,746 |
| Net loans and leases to total assets | 49.5000% | 3,673 |
| Net loans and leases to deposits | 57.0017% | 3,709 |
| Net loans and leases to core deposits | 68.8669% | 3,423 |
| Total domestic deposits to total assets | 86.8400% | 1,707 |
| Equity capital to assets | 12.3361% | 1,057 |
| Core capital (leverage) ratio | 12.2508% | 1,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $155,012,333 | 3,323 |
| Average earning assets | $148,677,333 | 3,273 |
| Average equity | $21,925,333 | 2,803 |
| Average total loans | $89,702,333 | 3,316 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1801% | 861 |
| Cost of funding earning assets | 1.2566% | 3,631 |
| Net interest margin | 4.9235% | 367 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 2.6912% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.2436% | 325 |
| Return on assets (ROA) | 2.2436% | 329 |
| Pretax return on assets | 2.2436% | 459 |
| Return on Equity (ROE) | 14.6500% | 1,040 |
| Retained earnings to average equity (ytd only) | -7.1035% | 4,212 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.5350% | 3,721 |
| Assets per employee ($millions) | 6.2248% | 2,662 |
| Cash dividends to net income (ytd only)* | 148.4848% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 729 |
| Loan loss allowance to noncurrent loans | 660.0897% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 2,642 |
| Noncurrent loans to loans | 0.2527% | 2,412 |
| Net loans and leases to total assets | 58.0800% | 3,045 |
| Net loans and leases to deposits | 68.4241% | 3,019 |
| Net loans and leases to core deposits | 77.7077% | 2,874 |
| Total domestic deposits to total assets | 84.8800% | 2,453 |
| Equity capital to assets | 14.3452% | 624 |
| Core capital (leverage) ratio | 15.2882% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $141,201,500 | 3,466 |
| Average earning assets | $135,920,000 | 3,410 |
| Average equity | $21,623,000 | 2,835 |
| Average total loans | $88,616,000 | 3,338 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5452% | 1,104 |
| Cost of funding earning assets | 0.6741% | 3,962 |
| Net interest margin | 4.8711% | 378 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.4706% | 2,384 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.3633% | 276 |
| Return on assets (ROA) | 2.3633% | 269 |
| Pretax return on assets | 2.3633% | 395 |
| Return on Equity (ROE) | 15.9900% | 1,095 |
| Retained earnings to average equity (ytd only) | 10.7034% | 856 |
| Net charge-offs to loans | -0.0273% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.6572% | 3,931 |
| Assets per employee ($millions) | 6.0458% | 2,778 |
| Cash dividends to net income (ytd only)* | 33.0692% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 753 |
| Loan loss allowance to noncurrent loans | 782.9787% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,576 |
| Noncurrent loans to loans | 0.2113% | 2,466 |
| Net loans and leases to total assets | 65.8000% | 2,276 |
| Net loans and leases to deposits | 79.7605% | 2,131 |
| Net loans and leases to core deposits | 91.5920% | 1,939 |
| Total domestic deposits to total assets | 82.5000% | 3,025 |
| Equity capital to assets | 16.4013% | 430 |
| Core capital (leverage) ratio | 16.0296% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $138,834,200 | 3,471 |
| Average earning assets | $132,763,800 | 3,421 |
| Average equity | $20,516,800 | 2,816 |
| Average total loans | $84,372,800 | 3,358 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 1,343 |
| Cost of funding earning assets | 0.5686% | 4,032 |
| Net interest margin | 4.6898% | 469 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3598% | 2,626 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 2.2790% | 336 |
| Return on assets (ROA) | 2.2790% | 327 |
| Pretax return on assets | 2.2790% | 499 |
| Return on Equity (ROE) | 15.8300% | 1,285 |
| Retained earnings to average equity (ytd only) | 8.6698% | 1,775 |
| Net charge-offs to loans | -0.0352% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.2530% | 3,895 |
| Assets per employee ($millions) | 6.3156% | 2,480 |
| Cash dividends to net income (ytd only)* | 45.2460% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6821% | 732 |
| Loan loss allowance to noncurrent loans | 758.2474% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 2,636 |
| Noncurrent loans to loans | 0.2218% | 2,464 |
| Net loans and leases to total assets | 61.8800% | 2,668 |
| Net loans and leases to deposits | 73.7079% | 2,594 |
| Net loans and leases to core deposits | 83.3686% | 2,368 |
| Total domestic deposits to total assets | 83.9500% | 2,790 |
| Equity capital to assets | 15.0651% | 534 |
| Core capital (leverage) ratio | 15.7204% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $140,290,750 | 3,463 |
| Average earning assets | $134,130,750 | 3,409 |
| Average equity | $20,192,250 | 2,829 |
| Average total loans | $83,218,500 | 3,378 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 1,387 |
| Cost of funding earning assets | 0.4674% | 4,045 |
| Net interest margin | 4.6259% | 504 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.3078% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3050% | 305 |
| Return on assets (ROA) | 2.3050% | 299 |
| Pretax return on assets | 2.3050% | 467 |
| Return on Equity (ROE) | 16.2600% | 1,224 |
| Retained earnings to average equity (ytd only) | 9.1248% | 1,655 |
| Net charge-offs to loans | -0.0611% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.0308% | 3,929 |
| Assets per employee ($millions) | 6.0922% | 2,632 |
| Cash dividends to net income (ytd only)* | 43.8964% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 816 |
| Loan loss allowance to noncurrent loans | 710.5528% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 2,557 |
| Noncurrent loans to loans | 0.2340% | 2,325 |
| Net loans and leases to total assets | 59.6900% | 2,799 |
| Net loans and leases to deposits | 70.6294% | 2,736 |
| Net loans and leases to core deposits | 78.6675% | 2,570 |
| Total domestic deposits to total assets | 84.5100% | 2,691 |
| Equity capital to assets | 14.6509% | 556 |
| Core capital (leverage) ratio | 14.6244% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $140,739,667 | 3,469 |
| Average earning assets | $133,942,000 | 3,424 |
| Average equity | $19,945,667 | 2,872 |
| Average total loans | $81,808,333 | 3,393 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 1,774 |
| Cost of funding earning assets | 0.3719% | 4,030 |
| Net interest margin | 4.3608% | 728 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.1167% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2217% | 356 |
| Return on assets (ROA) | 2.2217% | 353 |
| Pretax return on assets | 2.2217% | 554 |
| Return on Equity (ROE) | 15.9400% | 1,369 |
| Retained earnings to average equity (ytd only) | 1.4450% | 3,791 |
| Net charge-offs to loans | -0.0798% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.7901% | 4,043 |
| Assets per employee ($millions) | 6.6834% | 2,208 |
| Cash dividends to net income (ytd only)* | 90.9323% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 536 |
| Loan loss allowance to noncurrent loans | 758.5366% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,491 |
| Noncurrent loans to loans | 0.2500% | 2,250 |
| Net loans and leases to total assets | 57.3100% | 2,930 |
| Net loans and leases to deposits | 67.1736% | 2,836 |
| Net loans and leases to core deposits | 75.4236% | 2,576 |
| Total domestic deposits to total assets | 85.3100% | 2,773 |
| Equity capital to assets | 14.0291% | 596 |
| Core capital (leverage) ratio | 14.2382% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $140,974,000 | 3,512 |
| Average earning assets | $133,369,000 | 3,480 |
| Average equity | $19,654,000 | 2,919 |
| Average total loans | $80,189,000 | 3,447 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8022% | 2,275 |
| Cost of funding earning assets | 0.1555% | 4,097 |
| Net interest margin | 3.6467% | 1,499 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.3020% | 2,727 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.1644% | 1,915 |
| Return on assets (ROA) | 1.1644% | 1,847 |
| Pretax return on assets | 1.1644% | 2,552 |
| Return on Equity (ROE) | 8.4700% | 3,262 |
| Retained earnings to average equity (ytd only) | 5.0255% | 3,039 |
| Net charge-offs to loans | -0.0186% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.0137% | 2,625 |
| Assets per employee ($millions) | 7.4525% | 1,652 |
| Cash dividends to net income (ytd only)* | 40.6671% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 463 |
| Loan loss allowance to noncurrent loans | 496.7742% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 2,064 |
| Noncurrent loans to loans | 0.3954% | 1,732 |
| Net loans and leases to total assets | 54.2800% | 3,175 |
| Net loans and leases to deposits | 63.5009% | 3,080 |
| Net loans and leases to core deposits | 69.9195% | 2,876 |
| Total domestic deposits to total assets | 85.4700% | 2,866 |
| Equity capital to assets | 13.8548% | 590 |
| Core capital (leverage) ratio | 14.1979% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $133,884,400 | 3,598 |
| Average earning assets | $126,033,200 | 3,565 |
| Average equity | $18,406,200 | 3,090 |
| Average total loans | $75,203,000 | 3,487 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 2,465 |
| Cost of funding earning assets | 0.1498% | 3,845 |
| Net interest margin | 3.4013% | 1,976 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.2381% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1701% | 1,814 |
| Return on assets (ROA) | 1.1701% | 1,789 |
| Pretax return on assets | 1.1701% | 2,491 |
| Return on Equity (ROE) | 8.5300% | 3,171 |
| Retained earnings to average equity (ytd only) | 3.8592% | 3,491 |
| Net charge-offs to loans | -0.0143% | 3,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.6685% | 2,326 |
| Assets per employee ($millions) | 7.3246% | 1,729 |
| Cash dividends to net income (ytd only)* | 54.7496% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 1,050 |
| Loan loss allowance to noncurrent loans | 448.9510% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 2,237 |
| Noncurrent loans to loans | 0.3579% | 1,951 |
| Net loans and leases to total assets | 56.5000% | 2,855 |
| Net loans and leases to deposits | 66.0867% | 2,713 |
| Net loans and leases to core deposits | 70.9256% | 2,573 |
| Total domestic deposits to total assets | 85.4900% | 3,179 |
| Equity capital to assets | 13.8071% | 584 |
| Core capital (leverage) ratio | 14.1826% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $131,956,250 | 3,639 |
| Average earning assets | $123,715,750 | 3,606 |
| Average equity | $18,103,250 | 3,154 |
| Average total loans | $74,405,750 | 3,513 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3060% | 2,721 |
| Cost of funding earning assets | 0.1571% | 3,489 |
| Net interest margin | 3.1488% | 2,372 |
| Noninterest income to average assets | 0.2238% | 3,851 |
| Noninterest expense to average assets | 2.3064% | 2,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8568% | 2,748 |
| Return on assets (ROA) | 0.8568% | 2,724 |
| Pretax return on assets | 0.8568% | 3,185 |
| Return on Equity (ROE) | 6.2596% | 3,514 |
| Retained earnings to average equity (ytd only) | -0.8910% | 4,286 |
| Net charge-offs to loans | -0.0165% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9136% | 1,638 |
| Assets per employee ($millions) | 6.5265% | 2,293 |
| Cash dividends to net income (ytd only)* | 114.2342% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 869 |
| Loan loss allowance to noncurrent loans | 500.7813% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 2,358 |
| Noncurrent loans to loans | 0.3503% | 2,099 |
| Net loans and leases to total assets | 55.0050% | 2,860 |
| Net loans and leases to deposits | 64.1575% | 2,706 |
| Net loans and leases to core deposits | 69.3446% | 2,538 |
| Total domestic deposits to total assets | 85.7343% | 3,315 |
| Equity capital to assets | 13.4919% | 585 |
| Core capital (leverage) ratio | 13.3778% | 739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,552,333 | 3,703 |
| Average earning assets | $120,933,333 | 3,689 |
| Average equity | $17,732,667 | 3,259 |
| Average total loans | $72,571,000 | 3,578 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 2,611 |
| Cost of funding earning assets | 0.1675% | 3,253 |
| Net interest margin | 3.0586% | 2,295 |
| Noninterest income to average assets | 0.2200% | 3,837 |
| Noninterest expense to average assets | 2.3864% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6632% | 3,180 |
| Return on assets (ROA) | 0.6632% | 3,163 |
| Pretax return on assets | 0.6632% | 3,489 |
| Return on Equity (ROE) | 4.8107% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.8107% | 2,659 |
| Net charge-offs to loans | -0.0277% | 4,049 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2520% | 1,290 |
| Assets per employee ($millions) | 7.2357% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 911 |
| Loan loss allowance to noncurrent loans | 477.9851% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 1,922 |
| Noncurrent loans to loans | 0.3722% | 2,152 |
| Net loans and leases to total assets | 54.3023% | 2,717 |
| Net loans and leases to deposits | 63.0078% | 2,627 |
| Net loans and leases to core deposits | 68.0906% | 2,451 |
| Total domestic deposits to total assets | 86.1835% | 3,202 |
| Equity capital to assets | 13.7458% | 563 |
| Core capital (leverage) ratio | 14.2177% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,063,500 | 3,724 |
| Average earning assets | $119,402,000 | 3,718 |
| Average equity | $17,793,500 | 3,345 |
| Average total loans | $72,316,500 | 3,581 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 1,992 |
| Cost of funding earning assets | 0.2992% | 2,410 |
| Net interest margin | 3.4448% | 1,890 |
| Noninterest income to average assets | 0.2759% | 3,739 |
| Noninterest expense to average assets | 2.4067% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0264% | 2,573 |
| Return on assets (ROA) | 1.0264% | 2,642 |
| Pretax return on assets | 1.0264% | 3,185 |
| Return on Equity (ROE) | 7.1283% | 3,481 |
| Retained earnings to average equity (ytd only) | 4.7988% | 2,865 |
| Net charge-offs to loans | -0.1205% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1026% | 1,720 |
| Assets per employee ($millions) | 6.7307% | 2,128 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 934 |
| Loan loss allowance to noncurrent loans | 434.0136% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,939 |
| Noncurrent loans to loans | 0.4048% | 2,144 |
| Net loans and leases to total assets | 55.7935% | 2,645 |
| Net loans and leases to deposits | 64.8439% | 2,611 |
| Net loans and leases to core deposits | 71.7168% | 2,285 |
| Total domestic deposits to total assets | 86.0428% | 2,888 |
| Equity capital to assets | 13.8282% | 702 |
| Core capital (leverage) ratio | 13.9612% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,251,200 | 3,812 |
| Average earning assets | $109,293,600 | 3,818 |
| Average equity | $17,171,000 | 3,446 |
| Average total loans | $73,886,000 | 3,585 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8861% | 1,798 |
| Cost of funding earning assets | 0.3271% | 2,330 |
| Net interest margin | 3.5590% | 1,700 |
| Noninterest income to average assets | 0.2596% | 3,845 |
| Noninterest expense to average assets | 2.4128% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1056% | 2,537 |
| Return on assets (ROA) | 1.1056% | 2,593 |
| Pretax return on assets | 1.1056% | 3,183 |
| Return on Equity (ROE) | 7.5964% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.4671% | 3,420 |
| Net charge-offs to loans | -0.1438% | 4,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5761% | 1,747 |
| Assets per employee ($millions) | 6.5019% | 2,241 |
| Cash dividends to net income (ytd only)* | 41.1946% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 1,086 |
| Loan loss allowance to noncurrent loans | 374.8521% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 2,132 |
| Noncurrent loans to loans | 0.4574% | 2,191 |
| Net loans and leases to total assets | 58.7950% | 2,396 |
| Net loans and leases to deposits | 68.6026% | 2,382 |
| Net loans and leases to core deposits | 76.6535% | 1,989 |
| Total domestic deposits to total assets | 85.7038% | 2,867 |
| Equity capital to assets | 14.1311% | 704 |
| Core capital (leverage) ratio | 14.1723% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,093,000 | 3,880 |
| Average earning assets | $107,218,250 | 3,879 |
| Average equity | $17,042,750 | 3,508 |
| Average total loans | $74,200,750 | 3,627 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 1,846 |
| Cost of funding earning assets | 0.3614% | 2,218 |
| Net interest margin | 3.5271% | 1,783 |
| Noninterest income to average assets | 0.2593% | 3,837 |
| Noninterest expense to average assets | 2.4481% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0718% | 2,642 |
| Return on assets (ROA) | 1.0718% | 2,721 |
| Pretax return on assets | 1.0718% | 3,295 |
| Return on Equity (ROE) | 7.2879% | 3,578 |
| Retained earnings to average equity (ytd only) | 2.5555% | 3,982 |
| Net charge-offs to loans | -0.2476% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5502% | 1,696 |
| Assets per employee ($millions) | 6.3524% | 2,284 |
| Cash dividends to net income (ytd only)* | 64.9351% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 1,058 |
| Loan loss allowance to noncurrent loans | 361.2994% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 2,457 |
| Noncurrent loans to loans | 0.4704% | 2,267 |
| Net loans and leases to total assets | 61.2879% | 2,267 |
| Net loans and leases to deposits | 71.4919% | 2,257 |
| Net loans and leases to core deposits | 80.3886% | 1,855 |
| Total domestic deposits to total assets | 85.7270% | 2,829 |
| Equity capital to assets | 14.1736% | 683 |
| Core capital (leverage) ratio | 14.4222% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,945,333 | 3,917 |
| Average earning assets | $106,262,333 | 3,911 |
| Average equity | $16,904,667 | 3,525 |
| Average total loans | $74,301,000 | 3,647 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6405% | 2,521 |
| Cost of funding earning assets | 0.3929% | 2,152 |
| Net interest margin | 3.2476% | 2,554 |
| Noninterest income to average assets | 0.3284% | 3,459 |
| Noninterest expense to average assets | 2.5127% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8245% | 3,339 |
| Return on assets (ROA) | 0.8245% | 3,419 |
| Pretax return on assets | 0.8245% | 3,766 |
| Return on Equity (ROE) | 5.4989% | 3,991 |
| Retained earnings to average equity (ytd only) | -4.0230% | 4,655 |
| Net charge-offs to loans | -0.2547% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2941% | 1,199 |
| Assets per employee ($millions) | 6.2046% | 2,405 |
| Cash dividends to net income (ytd only)* | 173.1602% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 1,173 |
| Loan loss allowance to noncurrent loans | 396.7846% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 2,826 |
| Noncurrent loans to loans | 0.4153% | 2,608 |
| Net loans and leases to total assets | 62.4785% | 2,237 |
| Net loans and leases to deposits | 72.9211% | 2,223 |
| Net loans and leases to core deposits | 81.2626% | 1,890 |
| Total domestic deposits to total assets | 85.6795% | 2,863 |
| Equity capital to assets | 14.1856% | 632 |
| Core capital (leverage) ratio | 14.7691% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,070,000 | 3,953 |
| Average earning assets | $103,831,500 | 3,939 |
| Average equity | $16,803,500 | 3,529 |
| Average total loans | $73,826,000 | 3,672 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,388 |
| Cost of funding earning assets | 0.5478% | 2,625 |
| Net interest margin | 3.9208% | 1,159 |
| Noninterest income to average assets | 0.2433% | 4,030 |
| Noninterest expense to average assets | 2.9256% | 1,615 |
| Loan and lease loss provision to assets | 0.1159% | 2,904 |
| Net operating income to assets | 0.8574% | 2,874 |
| Return on assets (ROA) | 0.8593% | 3,003 |
| Pretax return on assets | 0.8593% | 3,481 |
| Return on Equity (ROE) | 5.3516% | 3,795 |
| Retained earnings to average equity (ytd only) | 1.3289% | 4,100 |
| Net charge-offs to loans | 0.0615% | 1,899 |
| Credit loss provision to net charge-offs | 272.7273% | 1,831 |
| Earnings coverage of net charge-offs (x) | 22.9091% | 1,831 |
| Efficiency ratio | 75.0371% | 1,330 |
| Assets per employee ($millions) | 5.3127% | 3,037 |
| Cash dividends to net income (ytd only)* | 75.1685% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 1,214 |
| Loan loss allowance to noncurrent loans | 288.1068% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 2,172 |
| Noncurrent loans to loans | 0.5662% | 2,285 |
| Net loans and leases to total assets | 67.3647% | 1,909 |
| Net loans and leases to deposits | 80.3207% | 1,830 |
| Net loans and leases to core deposits | 88.5339% | 1,643 |
| Total domestic deposits to total assets | 83.8696% | 3,152 |
| Equity capital to assets | 15.8904% | 438 |
| Core capital (leverage) ratio | 15.6013% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,568,600 | 3,950 |
| Average earning assets | $96,562,200 | 3,931 |
| Average equity | $16,630,400 | 3,488 |
| Average total loans | $71,578,000 | 3,696 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 1,379 |
| Cost of funding earning assets | 0.5605% | 2,865 |
| Net interest margin | 4.0148% | 1,082 |
| Noninterest income to average assets | 0.2397% | 4,051 |
| Noninterest expense to average assets | 2.9401% | 1,587 |
| Loan and lease loss provision to assets | 0.1166% | 2,867 |
| Net operating income to assets | 0.9511% | 2,516 |
| Return on assets (ROA) | 0.9537% | 2,639 |
| Pretax return on assets | 0.9537% | 3,218 |
| Return on Equity (ROE) | 5.9233% | 3,582 |
| Retained earnings to average equity (ytd only) | 0.5392% | 4,379 |
| Net charge-offs to loans | 0.0804% | 1,498 |
| Credit loss provision to net charge-offs | 209.3023% | 2,076 |
| Earnings coverage of net charge-offs (x) | 19.1628% | 1,945 |
| Efficiency ratio | 73.3592% | 1,475 |
| Assets per employee ($millions) | 5.3556% | 2,831 |
| Cash dividends to net income (ytd only)* | 90.8967% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 1,085 |
| Loan loss allowance to noncurrent loans | 204.9558% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 2,120 |
| Noncurrent loans to loans | 0.7835% | 1,862 |
| Net loans and leases to total assets | 66.2447% | 2,492 |
| Net loans and leases to deposits | 78.7735% | 2,450 |
| Net loans and leases to core deposits | 86.3548% | 2,283 |
| Total domestic deposits to total assets | 84.0952% | 2,784 |
| Equity capital to assets | 15.6453% | 517 |
| Core capital (leverage) ratio | 15.5176% | 465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,897,500 | 3,954 |
| Average earning assets | $96,574,750 | 3,928 |
| Average equity | $16,567,000 | 3,499 |
| Average total loans | $71,281,500 | 3,721 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 1,077 |
| Cost of funding earning assets | 0.5707% | 3,123 |
| Net interest margin | 4.2697% | 799 |
| Noninterest income to average assets | 0.2522% | 3,964 |
| Noninterest expense to average assets | 3.0268% | 1,515 |
| Loan and lease loss provision to assets | 0.1182% | 2,836 |
| Net operating income to assets | 1.1173% | 1,910 |
| Return on assets (ROA) | 1.1213% | 2,017 |
| Pretax return on assets | 1.1213% | 2,648 |
| Return on Equity (ROE) | 6.8956% | 3,172 |
| Retained earnings to average equity (ytd only) | -1.2119% | 4,506 |
| Net charge-offs to loans | 0.0789% | 1,460 |
| Credit loss provision to net charge-offs | 214.2857% | 1,856 |
| Earnings coverage of net charge-offs (x) | 22.3929% | 1,630 |
| Efficiency ratio | 71.0125% | 1,820 |
| Assets per employee ($millions) | 4.7054% | 3,523 |
| Cash dividends to net income (ytd only)* | 117.5747% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 996 |
| Loan loss allowance to noncurrent loans | 192.7487% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5479% | 2,165 |
| Noncurrent loans to loans | 0.8330% | 1,828 |
| Net loans and leases to total assets | 64.7189% | 2,791 |
| Net loans and leases to deposits | 76.6559% | 2,791 |
| Net loans and leases to core deposits | 83.9027% | 2,612 |
| Total domestic deposits to total assets | 84.4278% | 2,589 |
| Equity capital to assets | 15.3227% | 566 |
| Core capital (leverage) ratio | 15.5501% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,492,667 | 3,973 |
| Average earning assets | $95,323,667 | 3,947 |
| Average equity | $16,503,333 | 3,503 |
| Average total loans | $71,004,000 | 3,733 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8238% | 1,364 |
| Cost of funding earning assets | 0.5802% | 3,527 |
| Net interest margin | 4.2436% | 839 |
| Noninterest income to average assets | 0.2976% | 3,736 |
| Noninterest expense to average assets | 3.0980% | 1,644 |
| Loan and lease loss provision to assets | 0.1223% | 2,169 |
| Net operating income to assets | 1.0721% | 1,929 |
| Return on assets (ROA) | 1.0721% | 2,032 |
| Pretax return on assets | 1.0721% | 2,607 |
| Return on Equity (ROE) | 6.3899% | 3,180 |
| Retained earnings to average equity (ytd only) | -9.8642% | 4,762 |
| Net charge-offs to loans | -0.0903% | 4,797 |
| Credit loss provision to net charge-offs | -187.5000% | 3,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1747% | 2,054 |
| Assets per employee ($millions) | 4.4006% | 3,407 |
| Cash dividends to net income (ytd only)* | 254.3726% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 995 |
| Loan loss allowance to noncurrent loans | 171.1538% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 1,908 |
| Noncurrent loans to loans | 0.9523% | 1,725 |
| Net loans and leases to total assets | 68.9921% | 2,398 |
| Net loans and leases to deposits | 82.4437% | 2,394 |
| Net loans and leases to core deposits | 90.8912% | 2,264 |
| Total domestic deposits to total assets | 83.6839% | 2,892 |
| Equity capital to assets | 16.1037% | 565 |
| Core capital (leverage) ratio | 16.6956% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,126,500 | 4,017 |
| Average earning assets | $92,374,500 | 3,995 |
| Average equity | $16,463,500 | 3,514 |
| Average total loans | $70,913,500 | 3,746 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 1,757 |
| Cost of funding earning assets | 0.4440% | 4,288 |
| Net interest margin | 4.4529% | 794 |
| Noninterest income to average assets | 0.4432% | 3,041 |
| Noninterest expense to average assets | 3.3990% | 1,120 |
| Loan and lease loss provision to assets | 0.0597% | 2,844 |
| Net operating income to assets | 1.1569% | 2,226 |
| Return on assets (ROA) | 1.1601% | 2,308 |
| Pretax return on assets | 1.1601% | 2,980 |
| Return on Equity (ROE) | 6.6420% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.6420% | 1,545 |
| Net charge-offs to loans | -0.0650% | 4,873 |
| Credit loss provision to net charge-offs | -130.9524% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6409% | 1,651 |
| Assets per employee ($millions) | 4.1322% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,053 |
| Loan loss allowance to noncurrent loans | 125.9637% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0480% | 1,188 |
| Noncurrent loans to loans | 1.2450% | 1,206 |
| Net loans and leases to total assets | 73.3691% | 1,863 |
| Net loans and leases to deposits | 89.1985% | 1,674 |
| Net loans and leases to core deposits | 97.3719% | 1,782 |
| Total domestic deposits to total assets | 82.2538% | 3,437 |
| Equity capital to assets | 17.4958% | 415 |
| Core capital (leverage) ratio | 17.4149% | 376 |
| Tier 1 risk-based capital ratio | 25.2519% | 732 |
| Total risk-based capital ratio | 26.5068% | 715 |
| Memoranda: | ||
| Average total assets | $92,057,200 | 4,111 |
| Average earning assets | $86,258,200 | 4,097 |
| Average equity | $16,079,400 | 3,533 |
| Average total loans | $64,613,200 | 3,890 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 1,790 |
| Cost of funding earning assets | 0.4172% | 4,440 |
| Net interest margin | 4.4922% | 783 |
| Noninterest income to average assets | 0.4059% | 3,276 |
| Noninterest expense to average assets | 3.4489% | 1,015 |
| Loan and lease loss provision to assets | 0.0292% | 3,319 |
| Net operating income to assets | 1.1258% | 2,472 |
| Return on assets (ROA) | 1.1258% | 2,560 |
| Pretax return on assets | 1.1258% | 3,217 |
| Return on Equity (ROE) | 6.4481% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.4481% | 2,144 |
| Net charge-offs to loans | -0.3003% | 5,152 |
| Credit loss provision to net charge-offs | -14.0845% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9128% | 1,454 |
| Assets per employee ($millions) | 3.8444% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 604 |
| Loan loss allowance to noncurrent loans | 186.3708% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 1,420 |
| Noncurrent loans to loans | 0.9931% | 1,611 |
| Net loans and leases to total assets | 67.5894% | 2,853 |
| Net loans and leases to deposits | 82.4044% | 2,632 |
| Net loans and leases to core deposits | 89.5620% | 2,578 |
| Total domestic deposits to total assets | 82.0215% | 3,476 |
| Equity capital to assets | 17.7259% | 414 |
| Core capital (leverage) ratio | 17.6389% | 377 |
| Tier 1 risk-based capital ratio | 25.7621% | 722 |
| Total risk-based capital ratio | 27.0200% | 708 |
| Memoranda: | ||
| Average total assets | $91,311,500 | 4,172 |
| Average earning assets | $85,331,750 | 4,158 |
| Average equity | $15,942,250 | 3,583 |
| Average total loans | $63,056,250 | 3,970 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 1,678 |
| Cost of funding earning assets | 0.3887% | 4,552 |
| Net interest margin | 4.5375% | 706 |
| Noninterest income to average assets | 0.4022% | 3,267 |
| Noninterest expense to average assets | 3.4552% | 1,017 |
| Loan and lease loss provision to assets | 0.0440% | 2,944 |
| Net operating income to assets | 1.1363% | 2,384 |
| Return on assets (ROA) | 1.1363% | 2,463 |
| Pretax return on assets | 1.1363% | 3,132 |
| Return on Equity (ROE) | 6.5424% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.5424% | 2,030 |
| Net charge-offs to loans | -0.4134% | 5,211 |
| Credit loss provision to net charge-offs | -15.3846% | 3,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5377% | 1,579 |
| Assets per employee ($millions) | 3.6624% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8529% | 620 |
| Loan loss allowance to noncurrent loans | 193.0348% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 1,498 |
| Noncurrent loans to loans | 0.9599% | 1,696 |
| Net loans and leases to total assets | 67.3424% | 2,916 |
| Net loans and leases to deposits | 81.8951% | 2,744 |
| Net loans and leases to core deposits | 88.3644% | 2,759 |
| Total domestic deposits to total assets | 82.2300% | 3,447 |
| Equity capital to assets | 17.5843% | 418 |
| Core capital (leverage) ratio | 17.6393% | 368 |
| Tier 1 risk-based capital ratio | 26.1903% | 673 |
| Total risk-based capital ratio | 27.4485% | 661 |
| Memoranda: | ||
| Average total assets | $90,993,330 | 4,200 |
| Average earning assets | $84,893,330 | 4,195 |
| Average equity | $15,804,670 | 3,602 |
| Average total loans | $62,895,670 | 3,996 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 1,617 |
| Cost of funding earning assets | 0.3348% | 4,726 |
| Net interest margin | 4.5556% | 670 |
| Noninterest income to average assets | 0.4057% | 3,146 |
| Noninterest expense to average assets | 3.4086% | 1,098 |
| Loan and lease loss provision to assets | 0.0441% | 2,755 |
| Net operating income to assets | 1.2126% | 2,008 |
| Return on assets (ROA) | 1.2126% | 2,056 |
| Pretax return on assets | 1.2126% | 2,757 |
| Return on Equity (ROE) | 7.0256% | 3,675 |
| Retained earnings to average equity (ytd only) | 7.0256% | 2,030 |
| Net charge-offs to loans | -0.1589% | 5,136 |
| Credit loss provision to net charge-offs | -40.0000% | 3,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0624% | 1,873 |
| Assets per employee ($millions) | 3.7313% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 918 |
| Loan loss allowance to noncurrent loans | 226.0776% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,217 |
| Noncurrent loans to loans | 0.7389% | 2,175 |
| Net loans and leases to total assets | 66.1918% | 3,025 |
| Net loans and leases to deposits | 79.8368% | 2,855 |
| Net loans and leases to core deposits | 85.9455% | 2,874 |
| Total domestic deposits to total assets | 82.9088% | 3,417 |
| Equity capital to assets | 16.9583% | 452 |
| Core capital (leverage) ratio | 17.5168% | 371 |
| Tier 1 risk-based capital ratio | 26.1092% | 680 |
| Total risk-based capital ratio | 27.3645% | 667 |
| Memoranda: | ||
| Average total assets | $90,710,500 | 4,252 |
| Average earning assets | $84,818,500 | 4,244 |
| Average equity | $15,657,000 | 3,624 |
| Average total loans | $62,932,500 | 4,032 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 2,035 |
| Cost of funding earning assets | 0.3301% | 4,408 |
| Net interest margin | 4.3063% | 1,140 |
| Noninterest income to average assets | 0.4392% | 3,173 |
| Noninterest expense to average assets | 3.1740% | 1,619 |
| Loan and lease loss provision to assets | 0.0094% | 3,932 |
| Net operating income to assets | 1.2484% | 1,981 |
| Return on assets (ROA) | 1.2484% | 1,979 |
| Pretax return on assets | 1.2484% | 2,703 |
| Return on Equity (ROE) | 7.9764% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.3067% | 1,534 |
| Net charge-offs to loans | -0.0188% | 4,683 |
| Credit loss provision to net charge-offs | -75.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6178% | 1,954 |
| Assets per employee ($millions) | 3.5256% | 4,521 |
| Cash dividends to net income (ytd only)* | 8.3963% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 1,017 |
| Loan loss allowance to noncurrent loans | 171.5736% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 1,741 |
| Noncurrent loans to loans | 0.9370% | 1,715 |
| Net loans and leases to total assets | 70.4081% | 2,509 |
| Net loans and leases to deposits | 85.5852% | 2,332 |
| Net loans and leases to core deposits | 93.0264% | 2,312 |
| Total domestic deposits to total assets | 82.2666% | 3,566 |
| Equity capital to assets | 17.5802% | 373 |
| Core capital (leverage) ratio | 16.8917% | 418 |
| Tier 1 risk-based capital ratio | 25.4303% | 715 |
| Total risk-based capital ratio | 26.6859% | 700 |
| Memoranda: | ||
| Average total assets | $95,399,600 | 4,175 |
| Average earning assets | $88,452,000 | 4,177 |
| Average equity | $14,931,600 | 3,648 |
| Average total loans | $63,668,400 | 4,010 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 2,341 |
| Cost of funding earning assets | 0.3343% | 4,284 |
| Net interest margin | 4.1556% | 1,482 |
| Noninterest income to average assets | 0.4279% | 3,295 |
| Noninterest expense to average assets | 3.0680% | 1,840 |
| Loan and lease loss provision to assets | 0.0123% | 3,751 |
| Net operating income to assets | 1.2001% | 2,239 |
| Return on assets (ROA) | 1.2001% | 2,242 |
| Pretax return on assets | 1.2001% | 2,982 |
| Return on Equity (ROE) | 7.8876% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.9862% | 2,134 |
| Net charge-offs to loans | -0.0042% | 4,195 |
| Credit loss provision to net charge-offs | -450.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6757% | 1,939 |
| Assets per employee ($millions) | 3.8434% | 4,113 |
| Cash dividends to net income (ytd only)* | 11.4285% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,070 |
| Loan loss allowance to noncurrent loans | 306.0976% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 2,939 |
| Noncurrent loans to loans | 0.5244% | 2,809 |
| Net loans and leases to total assets | 66.7191% | 3,099 |
| Net loans and leases to deposits | 79.9665% | 3,048 |
| Net loans and leases to core deposits | 87.4675% | 2,876 |
| Total domestic deposits to total assets | 83.4338% | 3,151 |
| Equity capital to assets | 16.4199% | 469 |
| Core capital (leverage) ratio | 15.3334% | 625 |
| Tier 1 risk-based capital ratio | 25.6003% | 704 |
| Total risk-based capital ratio | 26.8554% | 690 |
| Memoranda: | ||
| Average total assets | $97,214,750 | 4,186 |
| Average earning assets | $90,124,750 | 4,186 |
| Average equity | $14,790,750 | 3,688 |
| Average total loans | $63,817,750 | 4,048 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,512 |
| Cost of funding earning assets | 0.3351% | 4,169 |
| Net interest margin | 4.0344% | 1,745 |
| Noninterest income to average assets | 0.4389% | 3,225 |
| Noninterest expense to average assets | 2.9998% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1651% | 2,327 |
| Return on assets (ROA) | 1.1651% | 2,328 |
| Pretax return on assets | 1.1651% | 3,076 |
| Return on Equity (ROE) | 7.8515% | 3,567 |
| Retained earnings to average equity (ytd only) | 7.8515% | 1,685 |
| Net charge-offs to loans | 0.0031% | 3,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 154 |
| Efficiency ratio | 72.0253% | 2,008 |
| Assets per employee ($millions) | 4.2586% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,343 |
| Loan loss allowance to noncurrent loans | 153.3230% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 2,115 |
| Noncurrent loans to loans | 0.9895% | 1,766 |
| Net loans and leases to total assets | 63.0055% | 3,509 |
| Net loans and leases to deposits | 73.9563% | 3,534 |
| Net loans and leases to core deposits | 86.1646% | 2,908 |
| Total domestic deposits to total assets | 85.1928% | 2,602 |
| Equity capital to assets | 14.6272% | 777 |
| Core capital (leverage) ratio | 15.2380% | 627 |
| Tier 1 risk-based capital ratio | 24.2570% | 811 |
| Total risk-based capital ratio | 25.5118% | 784 |
| Memoranda: | ||
| Average total assets | $98,872,330 | 4,193 |
| Average earning assets | $91,315,000 | 4,201 |
| Average equity | $14,672,330 | 3,720 |
| Average total loans | $64,241,330 | 4,064 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 2,335 |
| Cost of funding earning assets | 0.3302% | 4,133 |
| Net interest margin | 4.0251% | 1,641 |
| Noninterest income to average assets | 0.4156% | 3,350 |
| Noninterest expense to average assets | 3.0739% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0534% | 2,630 |
| Return on assets (ROA) | 1.0534% | 2,643 |
| Pretax return on assets | 1.0534% | 3,344 |
| Return on Equity (ROE) | 7.0458% | 3,768 |
| Retained earnings to average equity (ytd only) | 7.0458% | 2,260 |
| Net charge-offs to loans | -0.0440% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4766% | 1,823 |
| Assets per employee ($millions) | 3.9800% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 1,398 |
| Loan loss allowance to noncurrent loans | 228.8330% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 3,086 |
| Noncurrent loans to loans | 0.6634% | 2,561 |
| Net loans and leases to total assets | 65.2003% | 3,148 |
| Net loans and leases to deposits | 76.5857% | 3,152 |
| Net loans and leases to core deposits | 88.9003% | 2,553 |
| Total domestic deposits to total assets | 85.1338% | 2,890 |
| Equity capital to assets | 14.7134% | 732 |
| Core capital (leverage) ratio | 15.3222% | 585 |
| Tier 1 risk-based capital ratio | 23.1868% | 923 |
| Total risk-based capital ratio | 24.4407% | 896 |
| Memoranda: | ||
| Average total assets | $97,205,000 | 4,265 |
| Average earning assets | $89,637,000 | 4,273 |
| Average equity | $14,533,500 | 3,771 |
| Average total loans | $63,668,000 | 4,111 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 2,076 |
| Cost of funding earning assets | 0.3575% | 3,641 |
| Net interest margin | 4.0250% | 1,672 |
| Noninterest income to average assets | 0.3732% | 3,799 |
| Noninterest expense to average assets | 3.1963% | 1,618 |
| Loan and lease loss provision to assets | -0.5155% | 5,652 |
| Net operating income to assets | 1.3177% | 1,182 |
| Return on assets (ROA) | 1.3197% | 1,199 |
| Pretax return on assets | 1.3167% | 2,287 |
| Return on Equity (ROE) | 9.0193% | 2,309 |
| Retained earnings to average equity (ytd only) | 4.0869% | 2,721 |
| Net charge-offs to loans | -0.2032% | 5,525 |
| Credit loss provision to net charge-offs | 409.8361% | 741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,101 |
| Assets per employee ($millions) | 3.3896% | 4,834 |
| Cash dividends to net income (ytd only)* | 54.6875% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 1,104 |
| Loan loss allowance to noncurrent loans | 176.6904% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 2,580 |
| Noncurrent loans to loans | 0.9144% | 1,953 |
| Net loans and leases to total assets | 63.7116% | 3,397 |
| Net loans and leases to deposits | 75.2679% | 3,410 |
| Net loans and leases to core deposits | 89.3532% | 2,622 |
| Total domestic deposits to total assets | 84.6463% | 2,973 |
| Equity capital to assets | 15.2009% | 642 |
| Core capital (leverage) ratio | 14.8191% | 656 |
| Tier 1 risk-based capital ratio | 24.0641% | 809 |
| Total risk-based capital ratio | 25.3186% | 794 |
| Memoranda: | ||
| Average total assets | $96,988,200 | 4,292 |
| Average earning assets | $87,279,800 | 4,343 |
| Average equity | $14,191,800 | 3,820 |
| Average total loans | $60,029,000 | 4,204 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 1,976 |
| Cost of funding earning assets | 0.3609% | 3,553 |
| Net interest margin | 4.0338% | 1,588 |
| Noninterest income to average assets | 0.3514% | 4,019 |
| Noninterest expense to average assets | 3.1463% | 1,684 |
| Loan and lease loss provision to assets | -0.6837% | 5,723 |
| Net operating income to assets | 1.4959% | 904 |
| Return on assets (ROA) | 1.4986% | 923 |
| Pretax return on assets | 1.4986% | 1,773 |
| Return on Equity (ROE) | 10.3396% | 1,970 |
| Retained earnings to average equity (ytd only) | 4.3018% | 3,345 |
| Net charge-offs to loans | -0.2950% | 5,606 |
| Credit loss provision to net charge-offs | 378.7879% | 810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4819% | 1,164 |
| Assets per employee ($millions) | 3.4566% | 4,791 |
| Cash dividends to net income (ytd only)* | 58.3939% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 1,006 |
| Loan loss allowance to noncurrent loans | 250.1247% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 3,368 |
| Noncurrent loans to loans | 0.6847% | 2,655 |
| Net loans and leases to total assets | 59.4737% | 3,924 |
| Net loans and leases to deposits | 69.9439% | 3,966 |
| Net loans and leases to core deposits | 83.9522% | 3,128 |
| Total domestic deposits to total assets | 85.0306% | 2,698 |
| Equity capital to assets | 14.8279% | 770 |
| Core capital (leverage) ratio | 14.8167% | 698 |
| Tier 1 risk-based capital ratio | 22.4571% | 999 |
| Total risk-based capital ratio | 23.7106% | 983 |
| Memoranda: | ||
| Average total assets | $97,508,000 | 4,322 |
| Average earning assets | $87,194,500 | 4,388 |
| Average equity | $14,133,000 | 3,866 |
| Average total loans | $59,671,000 | 4,250 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 1,975 |
| Cost of funding earning assets | 0.3619% | 3,465 |
| Net interest margin | 3.9879% | 1,647 |
| Noninterest income to average assets | 0.4194% | 3,571 |
| Noninterest expense to average assets | 3.1366% | 1,748 |
| Loan and lease loss provision to assets | -1.0230% | 5,779 |
| Net operating income to assets | 1.8680% | 396 |
| Return on assets (ROA) | 1.8721% | 406 |
| Pretax return on assets | 1.8721% | 707 |
| Return on Equity (ROE) | 13.0153% | 1,029 |
| Retained earnings to average equity (ytd only) | 4.7652% | 2,878 |
| Net charge-offs to loans | -0.1932% | 5,571 |
| Credit loss provision to net charge-offs | 862.0690% | 431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7770% | 1,358 |
| Assets per employee ($millions) | 3.7286% | 4,392 |
| Cash dividends to net income (ytd only)* | 63.3880% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,314 |
| Loan loss allowance to noncurrent loans | 148.8782% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 2,428 |
| Noncurrent loans to loans | 1.0614% | 1,849 |
| Net loans and leases to total assets | 59.6881% | 3,871 |
| Net loans and leases to deposits | 70.1263% | 3,907 |
| Net loans and leases to core deposits | 83.1260% | 3,160 |
| Total domestic deposits to total assets | 85.1151% | 2,765 |
| Equity capital to assets | 14.6879% | 769 |
| Core capital (leverage) ratio | 14.6238% | 713 |
| Tier 1 risk-based capital ratio | 21.5889% | 1,103 |
| Total risk-based capital ratio | 22.8414% | 1,077 |
| Memoranda: | ||
| Average total assets | $97,749,330 | 4,346 |
| Average earning assets | $87,314,000 | 4,412 |
| Average equity | $14,060,330 | 3,883 |
| Average total loans | $60,040,000 | 4,262 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 1,678 |
| Cost of funding earning assets | 0.3605% | 3,412 |
| Net interest margin | 4.0290% | 1,394 |
| Noninterest income to average assets | 0.4483% | 3,319 |
| Noninterest expense to average assets | 3.2317% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8151% | 3,150 |
| Return on assets (ROA) | 0.8151% | 3,205 |
| Pretax return on assets | 0.8151% | 4,060 |
| Return on Equity (ROE) | 5.7261% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.7261% | 2,479 |
| Net charge-offs to loans | -0.0923% | 5,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8590% | 1,402 |
| Assets per employee ($millions) | 3.7352% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3380% | 392 |
| Loan loss allowance to noncurrent loans | 717.6166% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 4,143 |
| Noncurrent loans to loans | 0.3258% | 3,955 |
| Net loans and leases to total assets | 59.5710% | 3,830 |
| Net loans and leases to deposits | 69.8075% | 3,820 |
| Net loans and leases to core deposits | 82.9862% | 2,996 |
| Total domestic deposits to total assets | 85.3361% | 2,944 |
| Equity capital to assets | 14.5105% | 752 |
| Core capital (leverage) ratio | 14.1334% | 804 |
| Tier 1 risk-based capital ratio | 21.6914% | 1,124 |
| Total risk-based capital ratio | 22.9527% | 1,097 |
| Memoranda: | ||
| Average total assets | $98,152,000 | 4,387 |
| Average earning assets | $87,664,000 | 4,448 |
| Average equity | $13,971,000 | 3,925 |
| Average total loans | $60,663,500 | 4,282 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,498 |
| Cost of funding earning assets | 0.3484% | 3,531 |
| Net interest margin | 4.1659% | 1,197 |
| Noninterest income to average assets | 0.5064% | 3,192 |
| Noninterest expense to average assets | 3.0974% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0654% | 2,061 |
| Return on assets (ROA) | 1.1022% | 1,986 |
| Pretax return on assets | 1.1022% | 3,096 |
| Return on Equity (ROE) | 7.7766% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.7766% | 931 |
| Net charge-offs to loans | -0.0762% | 5,507 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4069% | 2,240 |
| Assets per employee ($millions) | 3.9675% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2081% | 461 |
| Loan loss allowance to noncurrent loans | 646.6981% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 4,312 |
| Noncurrent loans to loans | 0.3414% | 3,914 |
| Net loans and leases to total assets | 61.2151% | 3,698 |
| Net loans and leases to deposits | 71.2954% | 3,781 |
| Net loans and leases to core deposits | 84.5820% | 2,969 |
| Total domestic deposits to total assets | 85.8612% | 2,650 |
| Equity capital to assets | 13.9634% | 899 |
| Core capital (leverage) ratio | 14.1757% | 771 |
| Tier 1 risk-based capital ratio | 20.5717% | 1,280 |
| Total risk-based capital ratio | 21.8309% | 1,249 |
| Memoranda: | ||
| Average total assets | $95,175,600 | 4,446 |
| Average earning assets | $83,535,600 | 4,527 |
| Average equity | $13,489,200 | 4,029 |
| Average total loans | $59,052,400 | 4,329 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,205 |
| Cost of funding earning assets | 0.3462% | 3,572 |
| Net interest margin | 4.2957% | 938 |
| Noninterest income to average assets | 0.4969% | 3,270 |
| Noninterest expense to average assets | 2.9845% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2544% | 1,441 |
| Return on assets (ROA) | 1.3040% | 1,371 |
| Pretax return on assets | 1.3040% | 2,414 |
| Return on Equity (ROE) | 9.1646% | 2,415 |
| Retained earnings to average equity (ytd only) | 9.1646% | 769 |
| Net charge-offs to loans | -0.0412% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4075% | 2,833 |
| Assets per employee ($millions) | 3.9192% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3130% | 429 |
| Loan loss allowance to noncurrent loans | 473.2394% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 4,210 |
| Noncurrent loans to loans | 0.4888% | 3,538 |
| Net loans and leases to total assets | 57.9328% | 4,100 |
| Net loans and leases to deposits | 67.6294% | 4,188 |
| Net loans and leases to core deposits | 80.5009% | 3,399 |
| Total domestic deposits to total assets | 85.6622% | 2,531 |
| Equity capital to assets | 14.1469% | 984 |
| Core capital (leverage) ratio | 14.0650% | 827 |
| Tier 1 risk-based capital ratio | 20.9924% | 1,274 |
| Total risk-based capital ratio | 22.2527% | 1,253 |
| Memoranda: | ||
| Average total assets | $94,172,500 | 4,499 |
| Average earning assets | $82,034,000 | 4,584 |
| Average equity | $13,399,000 | 4,070 |
| Average total loans | $58,293,250 | 4,376 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 993 |
| Cost of funding earning assets | 0.3394% | 3,696 |
| Net interest margin | 4.3868% | 785 |
| Noninterest income to average assets | 0.4693% | 3,413 |
| Noninterest expense to average assets | 2.9730% | 2,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2809% | 1,334 |
| Return on assets (ROA) | 1.3261% | 1,296 |
| Pretax return on assets | 1.3261% | 2,302 |
| Return on Equity (ROE) | 9.3016% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.3016% | 773 |
| Net charge-offs to loans | -0.0206% | 4,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8887% | 2,996 |
| Assets per employee ($millions) | 4.0945% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3490% | 433 |
| Loan loss allowance to noncurrent loans | 500.7519% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 4,085 |
| Noncurrent loans to loans | 0.4691% | 3,682 |
| Net loans and leases to total assets | 54.0953% | 4,505 |
| Net loans and leases to deposits | 62.5083% | 4,612 |
| Net loans and leases to core deposits | 68.2144% | 4,457 |
| Total domestic deposits to total assets | 86.5409% | 2,145 |
| Equity capital to assets | 13.2549% | 1,350 |
| Core capital (leverage) ratio | 15.1427% | 588 |
| Tier 1 risk-based capital ratio | 20.6747% | 1,313 |
| Total risk-based capital ratio | 21.9349% | 1,294 |
| Memoranda: | ||
| Average total assets | $92,903,670 | 4,563 |
| Average earning assets | $80,149,000 | 4,661 |
| Average equity | $13,245,000 | 4,116 |
| Average total loans | $58,355,670 | 4,399 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,069 |
| Cost of funding earning assets | 0.3444% | 3,667 |
| Net interest margin | 4.3442% | 841 |
| Noninterest income to average assets | 0.4128% | 3,730 |
| Noninterest expense to average assets | 3.1528% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2657% | 1,351 |
| Return on assets (ROA) | 1.2702% | 1,433 |
| Pretax return on assets | 1.2702% | 2,418 |
| Return on Equity (ROE) | 8.5604% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.5604% | 1,244 |
| Net charge-offs to loans | 0.2771% | 766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.8049% | 2,208 |
| Efficiency ratio | 71.3552% | 2,894 |
| Assets per employee ($millions) | 3.5395% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1312% | 651 |
| Loan loss allowance to noncurrent loans | 290.7240% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 3,114 |
| Noncurrent loans to loans | 0.7331% | 3,002 |
| Net loans and leases to total assets | 66.6889% | 2,862 |
| Net loans and leases to deposits | 78.6174% | 2,935 |
| Net loans and leases to core deposits | 87.2247% | 2,638 |
| Total domestic deposits to total assets | 84.8271% | 3,194 |
| Equity capital to assets | 14.9706% | 700 |
| Core capital (leverage) ratio | 14.7077% | 665 |
| Tier 1 risk-based capital ratio | 22.4229% | 1,100 |
| Total risk-based capital ratio | 23.6846% | 1,074 |
| Memoranda: | ||
| Average total assets | $88,174,500 | 4,691 |
| Average earning assets | $81,304,000 | 4,676 |
| Average equity | $13,083,500 | 4,154 |
| Average total loans | $59,181,000 | 4,399 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 934 |
| Cost of funding earning assets | 0.3749% | 3,427 |
| Net interest margin | 4.4233% | 753 |
| Noninterest income to average assets | 0.4791% | 3,469 |
| Noninterest expense to average assets | 3.5662% | 1,183 |
| Loan and lease loss provision to assets | 0.0450% | 3,427 |
| Net operating income to assets | 0.9278% | 2,713 |
| Return on assets (ROA) | 0.9323% | 2,775 |
| Pretax return on assets | 0.9323% | 3,719 |
| Return on Equity (ROE) | 6.4687% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.7376% | 3,390 |
| Net charge-offs to loans | -0.0281% | 5,375 |
| Credit loss provision to net charge-offs | -235.2941% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5679% | 1,876 |
| Assets per employee ($millions) | 3.3793% | 5,020 |
| Cash dividends to net income (ytd only)* | 42.2195% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2836% | 529 |
| Loan loss allowance to noncurrent loans | 308.3721% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 3,145 |
| Noncurrent loans to loans | 0.7405% | 2,954 |
| Net loans and leases to total assets | 64.5785% | 3,188 |
| Net loans and leases to deposits | 75.9551% | 3,258 |
| Net loans and leases to core deposits | 84.5969% | 2,925 |
| Total domestic deposits to total assets | 85.0220% | 3,082 |
| Equity capital to assets | 14.7049% | 727 |
| Core capital (leverage) ratio | 14.3737% | 740 |
| Tier 1 risk-based capital ratio | 22.7964% | 1,042 |
| Total risk-based capital ratio | 24.0592% | 1,025 |
| Memoranda: | ||
| Average total assets | $88,918,600 | 4,696 |
| Average earning assets | $81,613,000 | 4,684 |
| Average equity | $12,815,600 | 4,171 |
| Average total loans | $60,574,800 | 4,365 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 1,004 |
| Cost of funding earning assets | 0.3789% | 3,453 |
| Net interest margin | 4.3806% | 829 |
| Noninterest income to average assets | 0.4261% | 3,895 |
| Noninterest expense to average assets | 3.4894% | 1,308 |
| Loan and lease loss provision to assets | 0.0598% | 2,987 |
| Net operating income to assets | 0.9045% | 2,941 |
| Return on assets (ROA) | 0.9120% | 2,991 |
| Pretax return on assets | 0.9120% | 3,947 |
| Return on Equity (ROE) | 6.3592% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.3592% | 2,037 |
| Net charge-offs to loans | 0.0937% | 2,230 |
| Credit loss provision to net charge-offs | 93.0233% | 2,425 |
| Earnings coverage of net charge-offs (x) | 15.0005% | 2,212 |
| Efficiency ratio | 78.3484% | 1,904 |
| Assets per employee ($millions) | 3.1879% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 808 |
| Loan loss allowance to noncurrent loans | 357.6271% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.6453% | 3,327 |
| Noncurrent loans to loans | 0.5809% | 3,587 |
| Net loans and leases to total assets | 66.8523% | 2,870 |
| Net loans and leases to deposits | 78.6268% | 3,031 |
| Net loans and leases to core deposits | 87.4663% | 2,710 |
| Total domestic deposits to total assets | 85.0248% | 2,994 |
| Equity capital to assets | 14.6895% | 809 |
| Core capital (leverage) ratio | 14.4111% | 755 |
| Tier 1 risk-based capital ratio | 21.8202% | 1,222 |
| Total risk-based capital ratio | 23.0805% | 1,200 |
| Memoranda: | ||
| Average total assets | $89,182,750 | 4,744 |
| Average earning assets | $81,995,500 | 4,734 |
| Average equity | $12,789,500 | 4,222 |
| Average total loans | $61,202,000 | 4,392 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 924 |
| Cost of funding earning assets | 0.3811% | 3,476 |
| Net interest margin | 4.4003% | 761 |
| Noninterest income to average assets | 0.4464% | 3,732 |
| Noninterest expense to average assets | 3.3851% | 1,502 |
| Loan and lease loss provision to assets | 0.0673% | 2,772 |
| Net operating income to assets | 1.0341% | 2,205 |
| Return on assets (ROA) | 1.0431% | 2,283 |
| Pretax return on assets | 1.0431% | 3,401 |
| Return on Equity (ROE) | 7.3332% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.3332% | 1,555 |
| Net charge-offs to loans | 0.1534% | 1,565 |
| Credit loss provision to net charge-offs | 63.8298% | 2,552 |
| Earnings coverage of net charge-offs (x) | 10.4468% | 2,360 |
| Efficiency ratio | 75.4500% | 2,460 |
| Assets per employee ($millions) | 3.2766% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 912 |
| Loan loss allowance to noncurrent loans | 309.1358% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 3,488 |
| Noncurrent loans to loans | 0.6635% | 3,487 |
| Net loans and leases to total assets | 65.1654% | 3,095 |
| Net loans and leases to deposits | 76.0830% | 3,260 |
| Net loans and leases to core deposits | 84.2959% | 2,953 |
| Total domestic deposits to total assets | 85.6504% | 2,855 |
| Equity capital to assets | 14.0651% | 963 |
| Core capital (leverage) ratio | 14.2186% | 780 |
| Tier 1 risk-based capital ratio | 21.3647% | 1,300 |
| Total risk-based capital ratio | 22.6243% | 1,281 |
| Memoranda: | ||
| Average total assets | $89,156,670 | 4,788 |
| Average earning assets | $81,858,670 | 4,782 |
| Average equity | $12,682,000 | 4,265 |
| Average total loans | $61,289,670 | 4,429 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 877 |
| Cost of funding earning assets | 0.3792% | 3,537 |
| Net interest margin | 4.4123% | 710 |
| Noninterest income to average assets | 0.4097% | 3,923 |
| Noninterest expense to average assets | 3.4782% | 1,359 |
| Loan and lease loss provision to assets | 0.1366% | 1,510 |
| Net operating income to assets | 0.8741% | 2,875 |
| Return on assets (ROA) | 0.8786% | 2,974 |
| Pretax return on assets | 0.8786% | 3,969 |
| Return on Equity (ROE) | 6.1411% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.1411% | 2,408 |
| Net charge-offs to loans | -0.0130% | 4,845 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4848% | 2,270 |
| Assets per employee ($millions) | 3.1865% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 890 |
| Loan loss allowance to noncurrent loans | 219.0236% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 2,322 |
| Noncurrent loans to loans | 0.9701% | 2,831 |
| Net loans and leases to total assets | 67.1680% | 2,586 |
| Net loans and leases to deposits | 78.5663% | 2,731 |
| Net loans and leases to core deposits | 87.3293% | 2,399 |
| Total domestic deposits to total assets | 85.4922% | 3,181 |
| Equity capital to assets | 14.2455% | 909 |
| Core capital (leverage) ratio | 14.2223% | 759 |
| Tier 1 risk-based capital ratio | 20.1549% | 1,582 |
| Total risk-based capital ratio | 21.4139% | 1,550 |
| Memoranda: | ||
| Average total assets | $87,862,500 | 4,866 |
| Average earning assets | $81,227,500 | 4,839 |
| Average equity | $12,571,000 | 4,310 |
| Average total loans | $61,415,500 | 4,455 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8375% | 1,039 |
| Cost of funding earning assets | 0.4108% | 3,578 |
| Net interest margin | 4.4267% | 852 |
| Noninterest income to average assets | 0.6274% | 2,697 |
| Noninterest expense to average assets | 3.5806% | 1,340 |
| Loan and lease loss provision to assets | 0.0460% | 3,654 |
| Net operating income to assets | 1.0871% | 2,023 |
| Return on assets (ROA) | 1.1077% | 1,998 |
| Pretax return on assets | 1.1077% | 3,048 |
| Return on Equity (ROE) | 8.0308% | 3,121 |
| Retained earnings to average equity (ytd only) | 2.9824% | 4,118 |
| Net charge-offs to loans | 0.9427% | 336 |
| Credit loss provision to net charge-offs | 7.0671% | 4,135 |
| Earnings coverage of net charge-offs (x) | 1.7420% | 4,343 |
| Efficiency ratio | 75.9629% | 2,517 |
| Assets per employee ($millions) | 2.9829% | 5,721 |
| Cash dividends to net income (ytd only)* | 62.8631% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0600% | 1,011 |
| Loan loss allowance to noncurrent loans | 162.9012% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 2,382 |
| Noncurrent loans to loans | 1.2646% | 2,336 |
| Net loans and leases to total assets | 69.7459% | 2,271 |
| Net loans and leases to deposits | 81.7476% | 2,505 |
| Net loans and leases to core deposits | 88.1920% | 2,476 |
| Total domestic deposits to total assets | 85.3186% | 3,154 |
| Equity capital to assets | 14.3716% | 847 |
| Core capital (leverage) ratio | 14.3575% | 740 |
| Tier 1 risk-based capital ratio | 20.8566% | 1,432 |
| Total risk-based capital ratio | 22.1173% | 1,407 |
| Memoranda: | ||
| Average total assets | $87,023,400 | 4,908 |
| Average earning assets | $80,330,400 | 4,884 |
| Average equity | $12,003,800 | 4,361 |
| Average total loans | $60,041,600 | 4,489 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 1,047 |
| Cost of funding earning assets | 0.4094% | 3,687 |
| Net interest margin | 4.4263% | 854 |
| Noninterest income to average assets | 0.5645% | 3,104 |
| Noninterest expense to average assets | 3.5201% | 1,433 |
| Loan and lease loss provision to assets | 0.0153% | 4,105 |
| Net operating income to assets | 1.0984% | 2,041 |
| Return on assets (ROA) | 1.1260% | 2,009 |
| Pretax return on assets | 1.1260% | 3,086 |
| Return on Equity (ROE) | 8.2486% | 3,067 |
| Retained earnings to average equity (ytd only) | 1.4570% | 5,315 |
| Net charge-offs to loans | 1.1466% | 243 |
| Credit loss provision to net charge-offs | 1.9493% | 3,787 |
| Earnings coverage of net charge-offs (x) | 1.4191% | 4,159 |
| Efficiency ratio | 75.9657% | 2,495 |
| Assets per employee ($millions) | 3.0360% | 5,691 |
| Cash dividends to net income (ytd only)* | 82.3369% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0946% | 1,096 |
| Loan loss allowance to noncurrent loans | 265.2977% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 3,501 |
| Noncurrent loans to loans | 0.7895% | 3,610 |
| Net loans and leases to total assets | 71.0407% | 2,018 |
| Net loans and leases to deposits | 83.2818% | 2,255 |
| Net loans and leases to core deposits | 89.0263% | 2,322 |
| Total domestic deposits to total assets | 85.3016% | 3,213 |
| Equity capital to assets | 14.2961% | 913 |
| Core capital (leverage) ratio | 13.8775% | 875 |
| Tier 1 risk-based capital ratio | 20.7730% | 1,500 |
| Total risk-based capital ratio | 22.0351% | 1,468 |
| Memoranda: | ||
| Average total assets | $87,153,250 | 4,958 |
| Average earning assets | $80,124,500 | 4,940 |
| Average equity | $11,896,750 | 4,407 |
| Average total loans | $59,651,500 | 4,536 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 1,061 |
| Cost of funding earning assets | 0.4008% | 3,859 |
| Net interest margin | 4.4008% | 849 |
| Noninterest income to average assets | 0.5781% | 2,941 |
| Noninterest expense to average assets | 3.4529% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1244% | 1,840 |
| Return on assets (ROA) | 1.1654% | 1,772 |
| Pretax return on assets | 1.1654% | 2,817 |
| Return on Equity (ROE) | 8.6696% | 2,744 |
| Retained earnings to average equity (ytd only) | -0.7789% | 5,823 |
| Net charge-offs to loans | 1.3023% | 231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.2865% | 3,847 |
| Efficiency ratio | 75.4351% | 2,740 |
| Assets per employee ($millions) | 2.8527% | 5,958 |
| Cash dividends to net income (ytd only)* | 108.9844% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3031% | 896 |
| Loan loss allowance to noncurrent loans | 505.7348% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 4,500 |
| Noncurrent loans to loans | 0.4554% | 4,626 |
| Net loans and leases to total assets | 67.6813% | 2,466 |
| Net loans and leases to deposits | 78.6363% | 2,716 |
| Net loans and leases to core deposits | 84.0670% | 2,729 |
| Total domestic deposits to total assets | 86.0689% | 3,006 |
| Equity capital to assets | 13.5421% | 1,143 |
| Core capital (leverage) ratio | 13.4840% | 981 |
| Tier 1 risk-based capital ratio | 20.1593% | 1,647 |
| Total risk-based capital ratio | 21.4240% | 1,615 |
| Memoranda: | ||
| Average total assets | $87,868,000 | 4,978 |
| Average earning assets | $79,849,000 | 4,986 |
| Average equity | $11,811,330 | 4,436 |
| Average total loans | $58,974,330 | 4,583 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 1,198 |
| Cost of funding earning assets | 0.3828% | 4,161 |
| Net interest margin | 4.3465% | 903 |
| Noninterest income to average assets | 0.5800% | 2,860 |
| Noninterest expense to average assets | 3.5531% | 1,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9682% | 2,326 |
| Return on assets (ROA) | 0.9682% | 2,396 |
| Pretax return on assets | 0.9682% | 3,451 |
| Return on Equity (ROE) | 7.2299% | 3,336 |
| Retained earnings to average equity (ytd only) | -11.7998% | 6,411 |
| Net charge-offs to loans | 0.9545% | 360 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.5362% | 3,073 |
| Efficiency ratio | 78.5859% | 2,395 |
| Assets per employee ($millions) | 2.8128% | 6,085 |
| Cash dividends to net income (ytd only)* | 263.2075% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8439% | 512 |
| Loan loss allowance to noncurrent loans | 534.5161% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 4,562 |
| Noncurrent loans to loans | 0.5321% | 4,581 |
| Net loans and leases to total assets | 62.8922% | 3,092 |
| Net loans and leases to deposits | 72.4740% | 3,274 |
| Net loans and leases to core deposits | 77.3386% | 3,272 |
| Total domestic deposits to total assets | 86.7790% | 2,949 |
| Equity capital to assets | 12.8689% | 1,372 |
| Core capital (leverage) ratio | 13.2241% | 1,079 |
| Tier 1 risk-based capital ratio | 20.4220% | 1,611 |
| Total risk-based capital ratio | 21.6923% | 1,572 |
| Memoranda: | ||
| Average total assets | $87,584,500 | 5,028 |
| Average earning assets | $79,421,000 | 5,040 |
| Average equity | $11,729,000 | 4,467 |
| Average total loans | $57,829,000 | 4,661 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 1,103 |
| Cost of funding earning assets | 0.4229% | 4,402 |
| Net interest margin | 4.4755% | 776 |
| Noninterest income to average assets | 0.5202% | 3,630 |
| Noninterest expense to average assets | 3.3652% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1162% | 1,880 |
| Return on assets (ROA) | 1.1162% | 1,948 |
| Pretax return on assets | 1.1162% | 2,899 |
| Return on Equity (ROE) | 7.8704% | 3,103 |
| Retained earnings to average equity (ytd only) | -5.9853% | 6,414 |
| Net charge-offs to loans | 0.3298% | 2,030 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.2737% | 3,342 |
| Efficiency ratio | 75.0932% | 2,933 |
| Assets per employee ($millions) | 2.6613% | 6,261 |
| Cash dividends to net income (ytd only)* | 176.0479% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1276% | 407 |
| Loan loss allowance to noncurrent loans | 297.6783% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 3,634 |
| Noncurrent loans to loans | 1.0507% | 3,410 |
| Net loans and leases to total assets | 65.2858% | 2,808 |
| Net loans and leases to deposits | 76.1982% | 2,942 |
| Net loans and leases to core deposits | 81.6885% | 2,934 |
| Total domestic deposits to total assets | 85.6789% | 3,413 |
| Equity capital to assets | 13.9442% | 919 |
| Core capital (leverage) ratio | 13.9733% | 828 |
| Tier 1 risk-based capital ratio | 22.0047% | 1,257 |
| Total risk-based capital ratio | 23.2792% | 1,229 |
| Memoranda: | ||
| Average total assets | $89,772,800 | 4,986 |
| Average earning assets | $79,455,400 | 5,051 |
| Average equity | $12,731,200 | 4,306 |
| Average total loans | $57,605,400 | 4,697 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 1,211 |
| Cost of funding earning assets | 0.4396% | 4,382 |
| Net interest margin | 4.4215% | 853 |
| Noninterest income to average assets | 0.4340% | 4,275 |
| Noninterest expense to average assets | 3.2568% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0558% | 2,168 |
| Return on assets (ROA) | 1.0558% | 2,252 |
| Pretax return on assets | 1.0558% | 3,278 |
| Return on Equity (ROE) | 7.4157% | 3,425 |
| Retained earnings to average equity (ytd only) | 4.6965% | 3,311 |
| Net charge-offs to loans | 0.3191% | 1,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.2173% | 3,250 |
| Efficiency ratio | 75.5185% | 2,807 |
| Assets per employee ($millions) | 2.7259% | 6,244 |
| Cash dividends to net income (ytd only)* | 36.6664% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2107% | 449 |
| Loan loss allowance to noncurrent loans | 265.3736% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 3,840 |
| Noncurrent loans to loans | 1.2099% | 3,397 |
| Net loans and leases to total assets | 63.8308% | 3,022 |
| Net loans and leases to deposits | 75.3376% | 3,041 |
| Net loans and leases to core deposits | 81.4866% | 2,935 |
| Total domestic deposits to total assets | 84.7264% | 3,870 |
| Equity capital to assets | 15.0535% | 704 |
| Core capital (leverage) ratio | 14.9817% | 646 |
| Tier 1 risk-based capital ratio | 23.9119% | 1,015 |
| Total risk-based capital ratio | 25.1874% | 1,001 |
| Memoranda: | ||
| Average total assets | $90,925,750 | 5,009 |
| Average earning assets | $79,759,250 | 5,096 |
| Average equity | $12,945,250 | 4,318 |
| Average total loans | $57,658,500 | 4,744 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 1,313 |
| Cost of funding earning assets | 0.4627% | 4,282 |
| Net interest margin | 4.3471% | 943 |
| Noninterest income to average assets | 0.4340% | 4,288 |
| Noninterest expense to average assets | 3.2010% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0460% | 2,131 |
| Return on assets (ROA) | 1.0460% | 2,252 |
| Pretax return on assets | 1.0460% | 3,309 |
| Return on Equity (ROE) | 7.4825% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.3842% | 4,166 |
| Net charge-offs to loans | 0.3431% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.8687% | 3,012 |
| Efficiency ratio | 75.3705% | 2,886 |
| Assets per employee ($millions) | 2.9851% | 5,874 |
| Cash dividends to net income (ytd only)* | 54.7718% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2608% | 456 |
| Loan loss allowance to noncurrent loans | 285.3253% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 4,087 |
| Noncurrent loans to loans | 1.1428% | 3,639 |
| Net loans and leases to total assets | 62.4796% | 3,202 |
| Net loans and leases to deposits | 73.1928% | 3,266 |
| Net loans and leases to core deposits | 78.7305% | 3,199 |
| Total domestic deposits to total assets | 85.3630% | 3,717 |
| Equity capital to assets | 14.4025% | 842 |
| Core capital (leverage) ratio | 14.3429% | 737 |
| Tier 1 risk-based capital ratio | 23.8885% | 1,008 |
| Total risk-based capital ratio | 25.1659% | 992 |
| Memoranda: | ||
| Average total assets | $92,158,000 | 5,003 |
| Average earning assets | $80,835,000 | 5,096 |
| Average equity | $12,883,330 | 4,361 |
| Average total loans | $57,702,670 | 4,757 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 1,334 |
| Cost of funding earning assets | 0.4901% | 4,176 |
| Net interest margin | 4.2867% | 993 |
| Noninterest income to average assets | 0.4194% | 4,315 |
| Noninterest expense to average assets | 3.1286% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9972% | 2,232 |
| Return on assets (ROA) | 0.9972% | 2,351 |
| Pretax return on assets | 0.9972% | 3,364 |
| Return on Equity (ROE) | 7.2383% | 3,358 |
| Retained earnings to average equity (ytd only) | -0.1864% | 5,813 |
| Net charge-offs to loans | -0.2984% | 6,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8299% | 2,952 |
| Assets per employee ($millions) | 3.1071% | 5,808 |
| Cash dividends to net income (ytd only)* | 102.5751% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5969% | 387 |
| Loan loss allowance to noncurrent loans | 271.4859% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 3,211 |
| Noncurrent loans to loans | 1.3249% | 3,576 |
| Net loans and leases to total assets | 58.3116% | 3,740 |
| Net loans and leases to deposits | 67.8517% | 3,788 |
| Net loans and leases to core deposits | 73.6764% | 3,620 |
| Total domestic deposits to total assets | 85.9397% | 3,560 |
| Equity capital to assets | 13.8135% | 1,086 |
| Core capital (leverage) ratio | 13.8192% | 846 |
| Tier 1 risk-based capital ratio | 23.6847% | 1,064 |
| Total risk-based capital ratio | 24.9662% | 1,040 |
| Memoranda: | ||
| Average total assets | $93,460,000 | 5,015 |
| Average earning assets | $80,807,500 | 5,128 |
| Average equity | $12,876,000 | 4,404 |
| Average total loans | $57,634,500 | 4,790 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 477 |
| Cost of funding earning assets | 0.8817% | 2,061 |
| Net interest margin | 4.7576% | 583 |
| Noninterest income to average assets | 0.3857% | 4,718 |
| Noninterest expense to average assets | 2.7704% | 4,142 |
| Loan and lease loss provision to assets | 0.6998% | 735 |
| Net operating income to assets | 0.8709% | 2,956 |
| Return on assets (ROA) | 0.8709% | 3,197 |
| Pretax return on assets | 0.8709% | 4,024 |
| Return on Equity (ROE) | 6.7544% | 3,783 |
| Retained earnings to average equity (ytd only) | 6.7544% | 1,692 |
| Net charge-offs to loans | 1.3021% | 743 |
| Credit loss provision to net charge-offs | 81.8182% | 3,771 |
| Earnings coverage of net charge-offs (x) | 1.8364% | 4,516 |
| Efficiency ratio | 63.8166% | 4,921 |
| Assets per employee ($millions) | 3.2313% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3709% | 482 |
| Loan loss allowance to noncurrent loans | 214.3629% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 1.5858% | 3,009 |
| Noncurrent loans to loans | 1.5725% | 3,261 |
| Net loans and leases to total assets | 60.7233% | 3,469 |
| Net loans and leases to deposits | 70.6077% | 3,619 |
| Net loans and leases to core deposits | 76.2097% | 3,503 |
| Total domestic deposits to total assets | 86.0010% | 3,362 |
| Equity capital to assets | 13.7407% | 1,136 |
| Core capital (leverage) ratio | 13.2356% | 1,037 |
| Tier 1 risk-based capital ratio | 23.6154% | 1,018 |
| Total risk-based capital ratio | 24.8961% | 996 |
| Memoranda: | ||
| Average total assets | $96,449,800 | 4,929 |
| Average earning assets | $80,188,200 | 5,118 |
| Average equity | $12,436,400 | 4,472 |
| Average total loans | $63,357,400 | 4,586 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6614% | 501 |
| Cost of funding earning assets | 0.9366% | 1,944 |
| Net interest margin | 4.7248% | 637 |
| Noninterest income to average assets | 0.3706% | 4,865 |
| Noninterest expense to average assets | 2.6052% | 4,725 |
| Loan and lease loss provision to assets | 0.9265% | 468 |
| Net operating income to assets | 0.7302% | 3,773 |
| Return on assets (ROA) | 0.7302% | 4,019 |
| Pretax return on assets | 0.7302% | 4,746 |
| Return on Equity (ROE) | 5.7544% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.7544% | 2,865 |
| Net charge-offs to loans | 1.4765% | 588 |
| Credit loss provision to net charge-offs | 94.5378% | 3,162 |
| Earnings coverage of net charge-offs (x) | 1.6905% | 4,426 |
| Efficiency ratio | 61.1272% | 5,295 |
| Assets per employee ($millions) | 3.6302% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3367% | 535 |
| Loan loss allowance to noncurrent loans | 138.7161% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 3,209 |
| Noncurrent loans to loans | 2.4054% | 2,399 |
| Net loans and leases to total assets | 61.9507% | 3,387 |
| Net loans and leases to deposits | 71.3224% | 3,699 |
| Net loans and leases to core deposits | 76.2109% | 3,699 |
| Total domestic deposits to total assets | 86.8602% | 2,762 |
| Equity capital to assets | 12.8654% | 1,670 |
| Core capital (leverage) ratio | 12.7679% | 1,289 |
| Tier 1 risk-based capital ratio | 21.7543% | 1,372 |
| Total risk-based capital ratio | 23.0348% | 1,345 |
| Memoranda: | ||
| Average total assets | $97,135,500 | 4,957 |
| Average earning assets | $80,001,500 | 5,182 |
| Average equity | $12,326,500 | 4,534 |
| Average total loans | $64,475,000 | 4,606 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8801% | 356 |
| Cost of funding earning assets | 0.9984% | 1,773 |
| Net interest margin | 4.8818% | 487 |
| Noninterest income to average assets | 0.3738% | 4,847 |
| Noninterest expense to average assets | 2.6084% | 4,746 |
| Loan and lease loss provision to assets | 0.9293% | 491 |
| Net operating income to assets | 0.7745% | 3,492 |
| Return on assets (ROA) | 0.7745% | 3,763 |
| Pretax return on assets | 0.7745% | 4,560 |
| Return on Equity (ROE) | 6.1315% | 4,258 |
| Retained earnings to average equity (ytd only) | 6.1315% | 2,628 |
| Net charge-offs to loans | 1.7070% | 529 |
| Credit loss provision to net charge-offs | 81.0811% | 3,289 |
| Earnings coverage of net charge-offs (x) | 1.4865% | 4,249 |
| Efficiency ratio | 60.4885% | 5,501 |
| Assets per employee ($millions) | 3.8381% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2091% | 635 |
| Loan loss allowance to noncurrent loans | 161.1111% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3809% | 3,664 |
| Noncurrent loans to loans | 1.9919% | 2,955 |
| Net loans and leases to total assets | 63.8100% | 3,077 |
| Net loans and leases to deposits | 73.7026% | 3,340 |
| Net loans and leases to core deposits | 79.3209% | 3,318 |
| Total domestic deposits to total assets | 86.5777% | 3,028 |
| Equity capital to assets | 12.9367% | 1,549 |
| Core capital (leverage) ratio | 12.9393% | 1,168 |
| Tier 1 risk-based capital ratio | 21.5953% | 1,370 |
| Total risk-based capital ratio | 22.8739% | 1,338 |
| Memoranda: | ||
| Average total assets | $96,842,330 | 4,985 |
| Average earning assets | $78,127,670 | 5,265 |
| Average equity | $12,232,000 | 4,556 |
| Average total loans | $65,027,670 | 4,608 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0614% | 280 |
| Cost of funding earning assets | 1.0736% | 1,530 |
| Net interest margin | 4.9878% | 406 |
| Noninterest income to average assets | 0.3947% | 4,711 |
| Noninterest expense to average assets | 2.3970% | 5,482 |
| Loan and lease loss provision to assets | 0.9251% | 472 |
| Net operating income to assets | 1.0649% | 2,227 |
| Return on assets (ROA) | 1.0649% | 2,422 |
| Pretax return on assets | 1.0649% | 3,455 |
| Return on Equity (ROE) | 8.5327% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.5327% | 1,767 |
| Net charge-offs to loans | 1.3412% | 760 |
| Credit loss provision to net charge-offs | 101.8100% | 2,259 |
| Earnings coverage of net charge-offs (x) | 2.1900% | 3,287 |
| Efficiency ratio | 54.6392% | 6,275 |
| Assets per employee ($millions) | 3.7997% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2811% | 628 |
| Loan loss allowance to noncurrent loans | 160.4651% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 1.4161% | 3,744 |
| Noncurrent loans to loans | 2.0448% | 3,093 |
| Net loans and leases to total assets | 63.8223% | 2,880 |
| Net loans and leases to deposits | 73.2447% | 3,242 |
| Net loans and leases to core deposits | 78.6116% | 3,244 |
| Total domestic deposits to total assets | 87.1357% | 2,875 |
| Equity capital to assets | 12.4300% | 1,769 |
| Core capital (leverage) ratio | 12.6356% | 1,269 |
| Tier 1 risk-based capital ratio | 20.1533% | 1,670 |
| Total risk-based capital ratio | 21.4322% | 1,636 |
| Memoranda: | ||
| Average total assets | $97,287,500 | 5,010 |
| Average earning assets | $77,869,500 | 5,306 |
| Average equity | $12,141,500 | 4,581 |
| Average total loans | $65,913,000 | 4,591 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0602% | 390 |
| Cost of funding earning assets | 1.4910% | 743 |
| Net interest margin | 4.5691% | 983 |
| Noninterest income to average assets | 0.3377% | 5,115 |
| Noninterest expense to average assets | 2.7546% | 4,537 |
| Loan and lease loss provision to assets | 0.5198% | 2,020 |
| Net operating income to assets | 0.9038% | 2,583 |
| Return on assets (ROA) | 0.9077% | 2,693 |
| Pretax return on assets | 0.9077% | 3,585 |
| Return on Equity (ROE) | 7.9827% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.9827% | 1,087 |
| Net charge-offs to loans | 1.6499% | 945 |
| Credit loss provision to net charge-offs | 44.3325% | 5,546 |
| Earnings coverage of net charge-offs (x) | 1.2141% | 4,872 |
| Efficiency ratio | 65.9284% | 4,786 |
| Assets per employee ($millions) | 3.4208% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2040% | 678 |
| Loan loss allowance to noncurrent loans | 152.9370% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 1.7039% | 3,391 |
| Noncurrent loans to loans | 2.0950% | 3,073 |
| Net loans and leases to total assets | 67.3404% | 2,512 |
| Net loans and leases to deposits | 77.3957% | 2,940 |
| Net loans and leases to core deposits | 83.2742% | 2,987 |
| Total domestic deposits to total assets | 87.0080% | 2,760 |
| Equity capital to assets | 12.5316% | 1,781 |
| Core capital (leverage) ratio | 12.2815% | 1,451 |
| Tier 1 risk-based capital ratio | 19.4010% | 1,793 |
| Total risk-based capital ratio | 20.6783% | 1,755 |
| Memoranda: | ||
| Average total assets | $101,573,800 | 4,854 |
| Average earning assets | $85,377,400 | 5,075 |
| Average equity | $11,550,000 | 4,648 |
| Average total loans | $72,185,000 | 4,406 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0892% | 398 |
| Cost of funding earning assets | 1.5941% | 597 |
| Net interest margin | 4.4950% | 1,162 |
| Noninterest income to average assets | 0.3986% | 4,680 |
| Noninterest expense to average assets | 2.6026% | 5,070 |
| Loan and lease loss provision to assets | 0.5824% | 1,687 |
| Net operating income to assets | 1.0198% | 2,249 |
| Return on assets (ROA) | 1.0250% | 2,399 |
| Pretax return on assets | 1.0250% | 3,312 |
| Return on Equity (ROE) | 9.2331% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.2331% | 1,062 |
| Net charge-offs to loans | 1.5803% | 894 |
| Credit loss provision to net charge-offs | 51.6055% | 5,000 |
| Earnings coverage of net charge-offs (x) | 1.4197% | 4,565 |
| Efficiency ratio | 61.8960% | 5,426 |
| Assets per employee ($millions) | 3.3555% | 5,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3942% | 615 |
| Loan loss allowance to noncurrent loans | 96.6246% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 3.0778% | 2,082 |
| Noncurrent loans to loans | 3.5128% | 1,957 |
| Net loans and leases to total assets | 69.4954% | 2,180 |
| Net loans and leases to deposits | 79.4787% | 2,722 |
| Net loans and leases to core deposits | 84.8794% | 2,926 |
| Total domestic deposits to total assets | 87.4391% | 2,385 |
| Equity capital to assets | 12.2218% | 2,074 |
| Core capital (leverage) ratio | 12.0493% | 1,677 |
| Tier 1 risk-based capital ratio | 18.5302% | 2,084 |
| Total risk-based capital ratio | 19.8107% | 2,034 |
| Memoranda: | ||
| Average total assets | $103,021,750 | 4,843 |
| Average earning assets | $87,234,750 | 5,056 |
| Average equity | $11,436,750 | 4,710 |
| Average total loans | $73,572,500 | 4,399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9285% | 547 |
| Cost of funding earning assets | 1.7196% | 432 |
| Net interest margin | 4.2088% | 2,001 |
| Noninterest income to average assets | 0.3793% | 4,852 |
| Noninterest expense to average assets | 2.4722% | 5,635 |
| Loan and lease loss provision to assets | 0.4289% | 2,282 |
| Net operating income to assets | 1.0331% | 2,097 |
| Return on assets (ROA) | 1.0369% | 2,174 |
| Pretax return on assets | 1.0369% | 3,089 |
| Return on Equity (ROE) | 9.6414% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.6414% | 926 |
| Net charge-offs to loans | 1.9020% | 713 |
| Credit loss provision to net charge-offs | 31.6456% | 4,961 |
| Earnings coverage of net charge-offs (x) | 1.0788% | 4,479 |
| Efficiency ratio | 62.8391% | 5,431 |
| Assets per employee ($millions) | 3.3860% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2022% | 761 |
| Loan loss allowance to noncurrent loans | 84.6576% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 2.9991% | 2,236 |
| Noncurrent loans to loans | 3.7825% | 1,851 |
| Net loans and leases to total assets | 71.1727% | 1,965 |
| Net loans and leases to deposits | 81.2547% | 2,564 |
| Net loans and leases to core deposits | 86.4159% | 2,843 |
| Total domestic deposits to total assets | 87.5920% | 2,412 |
| Equity capital to assets | 11.8132% | 2,233 |
| Core capital (leverage) ratio | 10.6704% | 2,548 |
| Tier 1 risk-based capital ratio | 17.1910% | 2,441 |
| Total risk-based capital ratio | 18.4682% | 2,414 |
| Memoranda: | ||
| Average total assets | $104,925,670 | 4,831 |
| Average earning assets | $88,623,330 | 5,033 |
| Average equity | $11,284,670 | 4,741 |
| Average total loans | $74,762,670 | 4,398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2104% | 331 |
| Cost of funding earning assets | 1.8187% | 347 |
| Net interest margin | 4.3917% | 1,302 |
| Noninterest income to average assets | 0.3694% | 4,958 |
| Noninterest expense to average assets | 2.4748% | 5,647 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5071% | 862 |
| Return on assets (ROA) | 1.5071% | 905 |
| Pretax return on assets | 1.5071% | 1,428 |
| Return on Equity (ROE) | 14.6670% | 877 |
| Retained earnings to average equity (ytd only) | 14.6670% | 422 |
| Net charge-offs to loans | 1.3781% | 999 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.5573% | 3,541 |
| Efficiency ratio | 62.1521% | 5,658 |
| Assets per employee ($millions) | 4.2280% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3714% | 674 |
| Loan loss allowance to noncurrent loans | 91.0592% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 2.7355% | 2,525 |
| Noncurrent loans to loans | 3.7025% | 1,990 |
| Net loans and leases to total assets | 66.1202% | 2,980 |
| Net loans and leases to deposits | 74.1734% | 3,733 |
| Net loans and leases to core deposits | 82.3652% | 3,408 |
| Total domestic deposits to total assets | 89.1428% | 1,682 |
| Equity capital to assets | 10.3314% | 3,368 |
| Core capital (leverage) ratio | 10.3372% | 2,770 |
| Tier 1 risk-based capital ratio | 15.8845% | 2,962 |
| Total risk-based capital ratio | 17.1624% | 2,919 |
| Memoranda: | ||
| Average total assets | $108,291,000 | 4,782 |
| Average earning assets | $89,077,000 | 5,053 |
| Average equity | $11,127,000 | 4,766 |
| Average total loans | $76,044,000 | 4,383 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3570% | 415 |
| Cost of funding earning assets | 2.2239% | 281 |
| Net interest margin | 4.1331% | 2,437 |
| Noninterest income to average assets | 0.2870% | 5,733 |
| Noninterest expense to average assets | 2.3485% | 6,221 |
| Loan and lease loss provision to assets | 2.4085% | 476 |
| Net operating income to assets | -0.9542% | 6,650 |
| Return on assets (ROA) | -0.9542% | 6,693 |
| Pretax return on assets | -0.9542% | 6,607 |
| Return on Equity (ROE) | -8.5710% | 6,652 |
| Retained earnings to average equity (ytd only) | -9.5325% | 6,641 |
| Net charge-offs to loans | 1.2466% | 1,800 |
| Credit loss provision to net charge-offs | 265.7841% | 1,056 |
| Earnings coverage of net charge-offs (x) | 1.6049% | 4,532 |
| Efficiency ratio | 61.7569% | 5,769 |
| Assets per employee ($millions) | 4.1021% | 3,575 |
| Cash dividends to net income (ytd only)* | -11.2186% | 7,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6400% | 532 |
| Loan loss allowance to noncurrent loans | 102.6036% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 2.6928% | 2,589 |
| Noncurrent loans to loans | 3.5476% | 2,126 |
| Net loans and leases to total assets | 69.4482% | 2,675 |
| Net loans and leases to deposits | 77.8054% | 3,540 |
| Net loans and leases to core deposits | 90.4815% | 2,696 |
| Total domestic deposits to total assets | 89.2588% | 1,511 |
| Equity capital to assets | 10.2171% | 3,481 |
| Core capital (leverage) ratio | 10.0607% | 3,017 |
| Tier 1 risk-based capital ratio | 15.2728% | 3,117 |
| Total risk-based capital ratio | 16.5551% | 3,057 |
| Memoranda: | ||
| Average total assets | $108,365,600 | 4,758 |
| Average earning assets | $92,181,600 | 4,937 |
| Average equity | $12,064,000 | 4,585 |
| Average total loans | $78,772,600 | 4,373 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3621% | 448 |
| Cost of funding earning assets | 2.2492% | 323 |
| Net interest margin | 4.1129% | 2,565 |
| Noninterest income to average assets | 0.4155% | 4,834 |
| Noninterest expense to average assets | 2.5332% | 5,593 |
| Loan and lease loss provision to assets | 0.7476% | 2,049 |
| Net operating income to assets | 0.6397% | 3,702 |
| Return on assets (ROA) | 0.6397% | 3,872 |
| Pretax return on assets | 0.6397% | 4,454 |
| Return on Equity (ROE) | 5.6328% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.3811% | 3,412 |
| Net charge-offs to loans | 1.0263% | 1,966 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.8557% | 4,315 |
| Efficiency ratio | 64.6139% | 5,124 |
| Assets per employee ($millions) | 3.9131% | 4,006 |
| Cash dividends to net income (ytd only)* | 22.2219% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 4,109 |
| Loan loss allowance to noncurrent loans | 39.4072% | 5,681 |
| Noncurrent assets plus other real estate owned to assets | 3.0292% | 2,397 |
| Noncurrent loans to loans | 3.7278% | 2,086 |
| Net loans and leases to total assets | 71.6228% | 2,334 |
| Net loans and leases to deposits | 81.6300% | 3,166 |
| Net loans and leases to core deposits | 94.5573% | 2,445 |
| Total domestic deposits to total assets | 87.7408% | 2,136 |
| Equity capital to assets | 11.5162% | 2,520 |
| Core capital (leverage) ratio | 11.5449% | 1,911 |
| Tier 1 risk-based capital ratio | 16.8066% | 2,406 |
| Total risk-based capital ratio | 18.0604% | 2,368 |
| Memoranda: | ||
| Average total assets | $108,793,250 | 4,812 |
| Average earning assets | $92,714,000 | 4,984 |
| Average equity | $12,355,750 | 4,585 |
| Average total loans | $79,248,750 | 4,425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3060% | 507 |
| Cost of funding earning assets | 2.2624% | 384 |
| Net interest margin | 4.0436% | 2,820 |
| Noninterest income to average assets | 0.1364% | 6,903 |
| Noninterest expense to average assets | 2.3587% | 6,186 |
| Loan and lease loss provision to assets | 0.6450% | 2,230 |
| Net operating income to assets | 0.6173% | 3,798 |
| Return on assets (ROA) | 0.6173% | 3,934 |
| Pretax return on assets | 0.6173% | 4,519 |
| Return on Equity (ROE) | 5.4612% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.5702% | 3,830 |
| Net charge-offs to loans | 0.8570% | 2,118 |
| Credit loss provision to net charge-offs | 103.2448% | 3,948 |
| Earnings coverage of net charge-offs (x) | 2.0206% | 4,013 |
| Efficiency ratio | 65.1399% | 5,123 |
| Assets per employee ($millions) | 3.7257% | 4,397 |
| Cash dividends to net income (ytd only)* | 34.6269% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 4,104 |
| Loan loss allowance to noncurrent loans | 41.9538% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 2.8247% | 2,557 |
| Noncurrent loans to loans | 3.4868% | 2,272 |
| Net loans and leases to total assets | 73.6279% | 1,996 |
| Net loans and leases to deposits | 83.8475% | 2,894 |
| Net loans and leases to core deposits | 95.3289% | 2,533 |
| Total domestic deposits to total assets | 87.8117% | 2,101 |
| Equity capital to assets | 11.4747% | 2,464 |
| Core capital (leverage) ratio | 11.2647% | 2,057 |
| Tier 1 risk-based capital ratio | 16.3305% | 2,541 |
| Total risk-based capital ratio | 17.5843% | 2,486 |
| Memoranda: | ||
| Average total assets | $108,535,330 | 4,847 |
| Average earning assets | $93,530,000 | 5,001 |
| Average equity | $12,268,330 | 4,607 |
| Average total loans | $79,116,670 | 4,467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3872% | 449 |
| Cost of funding earning assets | 2.2500% | 498 |
| Net interest margin | 4.1372% | 2,286 |
| Noninterest income to average assets | 0.0846% | 7,283 |
| Noninterest expense to average assets | 2.4049% | 6,064 |
| Loan and lease loss provision to assets | 0.5516% | 2,296 |
| Net operating income to assets | 0.6913% | 3,479 |
| Return on assets (ROA) | 0.6913% | 3,595 |
| Pretax return on assets | 0.6913% | 4,265 |
| Return on Equity (ROE) | 6.1622% | 3,790 |
| Retained earnings to average equity (ytd only) | 2.3600% | 4,725 |
| Net charge-offs to loans | 0.3576% | 2,979 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 4.8286% | 2,540 |
| Efficiency ratio | 65.9274% | 5,130 |
| Assets per employee ($millions) | 3.8056% | 4,298 |
| Cash dividends to net income (ytd only)* | 61.7021% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,495 |
| Loan loss allowance to noncurrent loans | 64.8004% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.2843% | 3,170 |
| Noncurrent loans to loans | 2.4541% | 3,218 |
| Net loans and leases to total assets | 70.0912% | 2,913 |
| Net loans and leases to deposits | 79.3692% | 3,768 |
| Net loans and leases to core deposits | 90.4196% | 3,308 |
| Total domestic deposits to total assets | 88.3103% | 1,899 |
| Equity capital to assets | 11.0899% | 2,681 |
| Core capital (leverage) ratio | 11.2005% | 2,094 |
| Tier 1 risk-based capital ratio | 16.6293% | 2,402 |
| Total risk-based capital ratio | 17.8848% | 2,354 |
| Memoranda: | ||
| Average total assets | $108,780,000 | 4,905 |
| Average earning assets | $93,687,000 | 5,062 |
| Average equity | $12,203,500 | 4,662 |
| Average total loans | $78,308,500 | 4,567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4850% | 692 |
| Cost of funding earning assets | 2.8619% | 355 |
| Net interest margin | 3.6230% | 4,458 |
| Noninterest income to average assets | 0.4256% | 5,002 |
| Noninterest expense to average assets | 2.3828% | 6,515 |
| Loan and lease loss provision to assets | 0.6152% | 3,335 |
| Net operating income to assets | 0.5517% | 3,517 |
| Return on assets (ROA) | 0.5517% | 3,606 |
| Pretax return on assets | 0.5517% | 4,044 |
| Return on Equity (ROE) | 5.4742% | 3,444 |
| Retained earnings to average equity (ytd only) | 4.5426% | 2,075 |
| Net charge-offs to loans | 1.0287% | 2,356 |
| Credit loss provision to net charge-offs | 89.4668% | 6,018 |
| Earnings coverage of net charge-offs (x) | 1.6970% | 4,468 |
| Efficiency ratio | 67.1285% | 5,159 |
| Assets per employee ($millions) | 3.6965% | 4,524 |
| Cash dividends to net income (ytd only)* | 17.0178% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,732 |
| Loan loss allowance to noncurrent loans | 72.8972% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.0318% | 3,360 |
| Noncurrent loans to loans | 2.0573% | 3,578 |
| Net loans and leases to total assets | 71.6832% | 2,838 |
| Net loans and leases to deposits | 81.4118% | 3,716 |
| Net loans and leases to core deposits | 137.3423% | 896 |
| Total domestic deposits to total assets | 88.0502% | 1,952 |
| Equity capital to assets | 11.3510% | 2,433 |
| Core capital (leverage) ratio | 11.7079% | 1,809 |
| Tier 1 risk-based capital ratio | 16.0750% | 2,487 |
| Total risk-based capital ratio | 17.3288% | 2,418 |
| Memoranda: | ||
| Average total assets | $111,841,800 | 4,779 |
| Average earning assets | $96,438,400 | 4,940 |
| Average equity | $11,271,000 | 4,954 |
| Average total loans | $74,757,000 | 4,696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4720% | 800 |
| Cost of funding earning assets | 3.0400% | 291 |
| Net interest margin | 3.4320% | 5,141 |
| Noninterest income to average assets | 0.4165% | 5,160 |
| Noninterest expense to average assets | 2.3432% | 6,583 |
| Loan and lease loss provision to assets | 0.7646% | 2,459 |
| Net operating income to assets | 0.2431% | 5,017 |
| Return on assets (ROA) | 0.2431% | 5,097 |
| Pretax return on assets | 0.2431% | 5,207 |
| Return on Equity (ROE) | 2.4863% | 4,997 |
| Retained earnings to average equity (ytd only) | 1.3156% | 4,588 |
| Net charge-offs to loans | 1.2838% | 1,601 |
| Credit loss provision to net charge-offs | 91.0112% | 5,452 |
| Earnings coverage of net charge-offs (x) | 1.1994% | 4,866 |
| Efficiency ratio | 69.9296% | 4,607 |
| Assets per employee ($millions) | 3.5566% | 4,794 |
| Cash dividends to net income (ytd only)* | 47.0873% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 2,957 |
| Loan loss allowance to noncurrent loans | 83.2398% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 3,640 |
| Noncurrent loans to loans | 1.9317% | 3,729 |
| Net loans and leases to total assets | 68.0747% | 3,939 |
| Net loans and leases to deposits | 77.4658% | 4,827 |
| Net loans and leases to core deposits | 123.7710% | 1,924 |
| Total domestic deposits to total assets | 87.8771% | 1,713 |
| Equity capital to assets | 11.0263% | 2,983 |
| Core capital (leverage) ratio | 10.6383% | 2,678 |
| Tier 1 risk-based capital ratio | 16.5606% | 2,403 |
| Total risk-based capital ratio | 17.8162% | 2,360 |
| Memoranda: | ||
| Average total assets | $113,002,750 | 4,782 |
| Average earning assets | $96,619,000 | 4,965 |
| Average equity | $11,046,750 | 5,062 |
| Average total loans | $73,943,000 | 4,775 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3928% | 1,023 |
| Cost of funding earning assets | 3.1543% | 299 |
| Net interest margin | 3.2385% | 5,775 |
| Noninterest income to average assets | 0.4344% | 4,990 |
| Noninterest expense to average assets | 2.2762% | 6,834 |
| Loan and lease loss provision to assets | 0.3962% | 3,543 |
| Net operating income to assets | 0.5039% | 4,076 |
| Return on assets (ROA) | 0.5039% | 4,198 |
| Pretax return on assets | 0.5039% | 4,606 |
| Return on Equity (ROE) | 5.3667% | 3,927 |
| Retained earnings to average equity (ytd only) | 4.9041% | 2,561 |
| Net charge-offs to loans | 1.0921% | 1,661 |
| Credit loss provision to net charge-offs | 56.4356% | 5,651 |
| Earnings coverage of net charge-offs (x) | 1.2822% | 4,565 |
| Efficiency ratio | 71.6630% | 4,478 |
| Assets per employee ($millions) | 3.6522% | 4,450 |
| Cash dividends to net income (ytd only)* | 8.6207% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 3,409 |
| Loan loss allowance to noncurrent loans | 76.2952% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5925% | 3,827 |
| Noncurrent loans to loans | 1.9153% | 3,648 |
| Net loans and leases to total assets | 64.0272% | 4,976 |
| Net loans and leases to deposits | 72.3954% | 5,686 |
| Net loans and leases to core deposits | 115.9670% | 2,717 |
| Total domestic deposits to total assets | 88.4410% | 1,553 |
| Equity capital to assets | 10.5450% | 3,348 |
| Core capital (leverage) ratio | 10.4635% | 2,846 |
| Tier 1 risk-based capital ratio | 17.0446% | 2,287 |
| Total risk-based capital ratio | 18.2987% | 2,234 |
| Memoranda: | ||
| Average total assets | $115,104,000 | 4,748 |
| Average earning assets | $97,453,330 | 4,966 |
| Average equity | $10,807,330 | 5,133 |
| Average total loans | $73,983,330 | 4,812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4200% | 1,023 |
| Cost of funding earning assets | 3.3796% | 212 |
| Net interest margin | 3.0404% | 6,372 |
| Noninterest income to average assets | 0.4378% | 4,892 |
| Noninterest expense to average assets | 2.2405% | 6,721 |
| Loan and lease loss provision to assets | 0.3723% | 3,091 |
| Net operating income to assets | 0.3585% | 5,026 |
| Return on assets (ROA) | 0.3585% | 5,213 |
| Pretax return on assets | 0.3585% | 5,516 |
| Return on Equity (ROE) | 4.0619% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.0855% | 4,158 |
| Net charge-offs to loans | 0.5715% | 2,035 |
| Credit loss provision to net charge-offs | 101.8868% | 3,675 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,720 |
| Efficiency ratio | 75.4060% | 3,584 |
| Assets per employee ($millions) | 3.7630% | 4,197 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,119 |
| Loan loss allowance to noncurrent loans | 80.4362% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 3,438 |
| Noncurrent loans to loans | 2.1232% | 3,086 |
| Net loans and leases to total assets | 61.8707% | 5,357 |
| Net loans and leases to deposits | 68.5133% | 6,128 |
| Net loans and leases to core deposits | 115.0715% | 2,905 |
| Total domestic deposits to total assets | 90.3046% | 677 |
| Equity capital to assets | 8.8039% | 5,618 |
| Core capital (leverage) ratio | 8.7503% | 5,061 |
| Tier 1 risk-based capital ratio | 14.1563% | 3,498 |
| Total risk-based capital ratio | 15.4122% | 3,422 |
| Memoranda: | ||
| Average total assets | $116,046,500 | 4,751 |
| Average earning assets | $96,698,500 | 5,009 |
| Average equity | $10,241,500 | 5,311 |
| Average total loans | $74,192,000 | 4,829 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2114% | 717 |
| Cost of funding earning assets | 3.2370% | 1,078 |
| Net interest margin | 3.9744% | 3,240 |
| Noninterest income to average assets | 0.5362% | 4,350 |
| Noninterest expense to average assets | 2.7096% | 5,229 |
| Loan and lease loss provision to assets | 0.6714% | 2,170 |
| Net operating income to assets | 0.7936% | 3,463 |
| Return on assets (ROA) | 0.8260% | 3,166 |
| Pretax return on assets | 0.8260% | 3,973 |
| Return on Equity (ROE) | 8.9470% | 2,659 |
| Retained earnings to average equity (ytd only) | 3.4805% | 2,975 |
| Net charge-offs to loans | 0.6094% | 2,013 |
| Credit loss provision to net charge-offs | 156.9264% | 3,319 |
| Earnings coverage of net charge-offs (x) | 3.4242% | 4,375 |
| Efficiency ratio | 64.9068% | 5,347 |
| Assets per employee ($millions) | 3.8480% | 3,861 |
| Cash dividends to net income (ytd only)* | 61.0987% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 2,004 |
| Loan loss allowance to noncurrent loans | 81.1811% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.5774% | 3,081 |
| Noncurrent loans to loans | 2.0559% | 2,688 |
| Net loans and leases to total assets | 63.8470% | 5,302 |
| Net loans and leases to deposits | 72.0169% | 6,060 |
| Net loans and leases to core deposits | 121.3611% | 2,568 |
| Total domestic deposits to total assets | 88.6556% | 1,179 |
| Equity capital to assets | 8.8470% | 5,573 |
| Core capital (leverage) ratio | 9.3700% | 4,207 |
| Tier 1 risk-based capital ratio | 14.7089% | 3,200 |
| Total risk-based capital ratio | 15.9661% | 3,114 |
| Memoranda: | ||
| Average total assets | $107,987,200 | 4,831 |
| Average earning assets | $98,857,600 | 4,836 |
| Average equity | $9,969,800 | 5,421 |
| Average total loans | $75,814,600 | 4,660 |