Home > Woodland Bank > Performance and Condition Ratios
Woodland 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 | 6.1228% | 1,032 |
| Cost of funding earning assets | 1.9853% | 1,966 |
| Net interest margin | 4.1376% | 1,048 |
| Noninterest income to average assets | 0.8900% | 688 |
| Noninterest expense to average assets | 3.6046% | 528 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.6342% | 3,276 |
| Return on assets (ROA) | 0.6024% | 3,358 |
| Pretax return on assets | 0.8359% | 3,113 |
| Return on Equity (ROE) | 7.3700% | 3,038 |
| Retained earnings to average equity (ytd only) | -7.2188% | 4,178 |
| Net charge-offs to loans | 0.0390% | 1,295 |
| Credit loss provision to net charge-offs | 250.0000% | 791 |
| Earnings coverage of net charge-offs (x) | 31.5833% | 1,209 |
| Efficiency ratio | 79.1185% | 1,000 |
| Assets per employee ($millions) | 5.0002% | 3,676 |
| Cash dividends to net income (ytd only)* | 197.9167% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,199 |
| Loan loss allowance to noncurrent loans | 243.3663% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 2,033 |
| Noncurrent loans to loans | 0.4130% | 2,079 |
| Net loans and leases to total assets | 75.6500% | 1,128 |
| Net loans and leases to deposits | 88.1887% | 1,286 |
| Net loans and leases to core deposits | 106.7655% | 992 |
| Total domestic deposits to total assets | 85.7800% | 2,382 |
| Equity capital to assets | 8.1078% | 3,532 |
| Core capital (leverage) ratio | 8.5989% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2303% | 2,445 |
| Memoranda: | ||
| Average total assets | $159,351,000 | 3,301 |
| Average earning assets | $141,241,500 | 3,336 |
| Average equity | $13,021,500 | 3,528 |
| Average total loans | $123,117,000 | 2,998 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0638% | 1,202 |
| Cost of funding earning assets | 1.9470% | 2,346 |
| Net interest margin | 4.1167% | 1,037 |
| Noninterest income to average assets | 0.7900% | 941 |
| Noninterest expense to average assets | 3.5660% | 550 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.6170% | 3,196 |
| Return on assets (ROA) | 0.6170% | 3,213 |
| Pretax return on assets | 0.8247% | 2,992 |
| Return on Equity (ROE) | 7.5500% | 2,883 |
| Retained earnings to average equity (ytd only) | 4.1366% | 2,577 |
| Net charge-offs to loans | 0.0297% | 1,979 |
| Credit loss provision to net charge-offs | 142.8571% | 1,457 |
| Earnings coverage of net charge-offs (x) | 37.7429% | 1,392 |
| Efficiency ratio | 80.6220% | 1,004 |
| Assets per employee ($millions) | 5.1192% | 3,554 |
| Cash dividends to net income (ytd only)* | 45.2156% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,349 |
| Loan loss allowance to noncurrent loans | 409.1216% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 2,504 |
| Noncurrent loans to loans | 0.2388% | 2,555 |
| Net loans and leases to total assets | 77.3500% | 970 |
| Net loans and leases to deposits | 90.5213% | 1,173 |
| Net loans and leases to core deposits | 110.1772% | 928 |
| Total domestic deposits to total assets | 85.4500% | 2,392 |
| Equity capital to assets | 8.2359% | 3,373 |
| Core capital (leverage) ratio | 8.7914% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3759% | 2,419 |
| Memoranda: | ||
| Average total assets | $154,123,200 | 3,331 |
| Average earning assets | $136,103,600 | 3,376 |
| Average equity | $12,595,000 | 3,553 |
| Average total loans | $117,752,400 | 3,025 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9618% | 1,306 |
| Cost of funding earning assets | 1.9398% | 2,357 |
| Net interest margin | 4.0219% | 1,109 |
| Noninterest income to average assets | 0.7900% | 905 |
| Noninterest expense to average assets | 3.5123% | 571 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.5630% | 3,310 |
| Return on assets (ROA) | 0.5630% | 3,335 |
| Pretax return on assets | 0.7818% | 3,092 |
| Return on Equity (ROE) | 6.9000% | 3,067 |
| Retained earnings to average equity (ytd only) | 2.3083% | 3,372 |
| Net charge-offs to loans | 0.0344% | 1,637 |
| Credit loss provision to net charge-offs | 160.0000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,484 |
| Efficiency ratio | 81.0050% | 1,020 |
| Assets per employee ($millions) | 4.9304% | 3,693 |
| Cash dividends to net income (ytd only)* | 66.5635% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,266 |
| Loan loss allowance to noncurrent loans | 204.3771% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 1,750 |
| Noncurrent loans to loans | 0.4886% | 1,859 |
| Net loans and leases to total assets | 76.2800% | 1,086 |
| Net loans and leases to deposits | 87.4851% | 1,486 |
| Net loans and leases to core deposits | 106.0667% | 1,135 |
| Total domestic deposits to total assets | 87.2000% | 1,520 |
| Equity capital to assets | 8.1921% | 3,598 |
| Core capital (leverage) ratio | 8.6305% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1374% | 2,513 |
| Memoranda: | ||
| Average total assets | $152,980,250 | 3,331 |
| Average earning assets | $134,990,500 | 3,390 |
| Average equity | $12,476,250 | 3,570 |
| Average total loans | $116,199,000 | 3,035 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8224% | 1,431 |
| Cost of funding earning assets | 1.8648% | 2,462 |
| Net interest margin | 3.9576% | 1,168 |
| Noninterest income to average assets | 0.7600% | 952 |
| Noninterest expense to average assets | 3.5090% | 564 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.5047% | 3,419 |
| Return on assets (ROA) | 0.5047% | 3,457 |
| Pretax return on assets | 0.7015% | 3,227 |
| Return on Equity (ROE) | 6.2000% | 3,221 |
| Retained earnings to average equity (ytd only) | -0.7788% | 4,033 |
| Net charge-offs to loans | 0.0140% | 1,915 |
| Credit loss provision to net charge-offs | 312.5000% | 798 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 946 |
| Efficiency ratio | 82.6899% | 945 |
| Assets per employee ($millions) | 5.0459% | 3,581 |
| Cash dividends to net income (ytd only)* | 112.5654% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,167 |
| Loan loss allowance to noncurrent loans | 366.4653% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 2,327 |
| Noncurrent loans to loans | 0.2787% | 2,372 |
| Net loans and leases to total assets | 75.1500% | 1,274 |
| Net loans and leases to deposits | 87.8345% | 1,499 |
| Net loans and leases to core deposits | 106.8036% | 1,112 |
| Total domestic deposits to total assets | 85.5600% | 2,129 |
| Equity capital to assets | 7.9164% | 3,485 |
| Core capital (leverage) ratio | 8.6137% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9485% | 2,581 |
| Memoranda: | ||
| Average total assets | $151,382,667 | 3,356 |
| Average earning assets | $133,313,667 | 3,417 |
| Average equity | $12,326,667 | 3,560 |
| Average total loans | $114,409,000 | 3,056 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7463% | 1,409 |
| Cost of funding earning assets | 1.7505% | 2,637 |
| Net interest margin | 3.9959% | 1,094 |
| Noninterest income to average assets | 0.7500% | 925 |
| Noninterest expense to average assets | 3.5603% | 518 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.4890% | 3,422 |
| Return on assets (ROA) | 0.4890% | 3,448 |
| Pretax return on assets | 0.6798% | 3,209 |
| Return on Equity (ROE) | 5.9200% | 3,237 |
| Retained earnings to average equity (ytd only) | -8.0660% | 4,244 |
| Net charge-offs to loans | 0.0143% | 1,589 |
| Credit loss provision to net charge-offs | 250.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 65.7500% | 852 |
| Efficiency ratio | 83.4383% | 954 |
| Assets per employee ($millions) | 4.5531% | 3,916 |
| Cash dividends to net income (ytd only)* | 236.2637% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 3,058 |
| Loan loss allowance to noncurrent loans | 212.7434% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 1,602 |
| Noncurrent loans to loans | 0.4929% | 1,686 |
| Net loans and leases to total assets | 75.5000% | 1,134 |
| Net loans and leases to deposits | 89.0301% | 1,269 |
| Net loans and leases to core deposits | 109.8857% | 941 |
| Total domestic deposits to total assets | 84.8000% | 2,474 |
| Equity capital to assets | 8.0905% | 3,303 |
| Core capital (leverage) ratio | 8.8348% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0276% | 2,574 |
| Memoranda: | ||
| Average total assets | $148,863,000 | 3,388 |
| Average earning assets | $130,935,500 | 3,458 |
| Average equity | $12,298,500 | 3,572 |
| Average total loans | $112,233,000 | 3,086 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 1,542 |
| Cost of funding earning assets | 1.1507% | 2,589 |
| Net interest margin | 3.9992% | 1,218 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 3.5015% | 556 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.5675% | 3,627 |
| Return on assets (ROA) | 0.5675% | 3,610 |
| Pretax return on assets | 0.7879% | 3,362 |
| Return on Equity (ROE) | 7.0500% | 3,415 |
| Retained earnings to average equity (ytd only) | 2.1547% | 3,704 |
| Net charge-offs to loans | 0.0242% | 1,598 |
| Credit loss provision to net charge-offs | 78.9474% | 1,759 |
| Earnings coverage of net charge-offs (x) | 45.9474% | 1,358 |
| Efficiency ratio | 81.3700% | 773 |
| Assets per employee ($millions) | 4.3680% | 4,015 |
| Cash dividends to net income (ytd only)* | 69.4175% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 2,711 |
| Loan loss allowance to noncurrent loans | 315.6812% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 1,784 |
| Noncurrent loans to loans | 0.3590% | 1,943 |
| Net loans and leases to total assets | 72.1400% | 1,559 |
| Net loans and leases to deposits | 83.3226% | 1,802 |
| Net loans and leases to core deposits | 97.3928% | 1,478 |
| Total domestic deposits to total assets | 86.5800% | 2,019 |
| Equity capital to assets | 7.8829% | 3,129 |
| Core capital (leverage) ratio | 8.8205% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2712% | 2,518 |
| Memoranda: | ||
| Average total assets | $145,191,500 | 3,413 |
| Average earning assets | $126,756,500 | 3,486 |
| Average equity | $11,695,250 | 3,554 |
| Average total loans | $104,636,000 | 3,130 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 1,632 |
| Cost of funding earning assets | 1.0669% | 2,391 |
| Net interest margin | 3.8907% | 1,444 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 3.5202% | 528 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5136% | 3,780 |
| Return on assets (ROA) | 0.5136% | 3,788 |
| Pretax return on assets | 0.7135% | 3,577 |
| Return on Equity (ROE) | 6.3300% | 3,620 |
| Retained earnings to average equity (ytd only) | -1.0093% | 4,219 |
| Net charge-offs to loans | 0.0290% | 1,309 |
| Credit loss provision to net charge-offs | 33.3333% | 1,732 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 1,482 |
| Efficiency ratio | 83.0115% | 657 |
| Assets per employee ($millions) | 4.7708% | 3,775 |
| Cash dividends to net income (ytd only)* | 115.9459% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 2,712 |
| Loan loss allowance to noncurrent loans | 415.6463% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 1,973 |
| Noncurrent loans to loans | 0.2765% | 2,161 |
| Net loans and leases to total assets | 71.0800% | 1,626 |
| Net loans and leases to deposits | 82.6837% | 1,787 |
| Net loans and leases to core deposits | 98.0067% | 1,346 |
| Total domestic deposits to total assets | 85.9700% | 2,236 |
| Equity capital to assets | 7.8603% | 3,305 |
| Core capital (leverage) ratio | 8.8967% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9454% | 2,643 |
| Memoranda: | ||
| Average total assets | $144,084,667 | 3,439 |
| Average earning assets | $125,787,333 | 3,502 |
| Average equity | $11,691,333 | 3,569 |
| Average total loans | $103,393,000 | 3,137 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 1,435 |
| Cost of funding earning assets | 0.9362% | 2,253 |
| Net interest margin | 3.9514% | 1,364 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 3.6405% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4136% | 4,066 |
| Return on assets (ROA) | 0.4136% | 4,012 |
| Pretax return on assets | 0.5739% | 3,887 |
| Return on Equity (ROE) | 5.0200% | 3,885 |
| Retained earnings to average equity (ytd only) | -9.6209% | 4,466 |
| Net charge-offs to loans | 0.0589% | 787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 13.6000% | 1,582 |
| Efficiency ratio | 86.3818% | 493 |
| Assets per employee ($millions) | 4.4400% | 4,056 |
| Cash dividends to net income (ytd only)* | 291.8367% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,667 |
| Loan loss allowance to noncurrent loans | 275.9637% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 1,621 |
| Noncurrent loans to loans | 0.4272% | 1,651 |
| Net loans and leases to total assets | 71.8000% | 1,446 |
| Net loans and leases to deposits | 82.5460% | 1,613 |
| Net loans and leases to core deposits | 97.8597% | 1,184 |
| Total domestic deposits to total assets | 86.9800% | 2,271 |
| Equity capital to assets | 8.0553% | 3,204 |
| Core capital (leverage) ratio | 8.8615% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4999% | 2,573 |
| Memoranda: | ||
| Average total assets | $142,179,500 | 3,502 |
| Average earning assets | $123,905,500 | 3,560 |
| Average equity | $11,724,500 | 3,596 |
| Average total loans | $101,916,500 | 3,191 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 934 |
| Cost of funding earning assets | 0.4849% | 1,495 |
| Net interest margin | 3.8843% | 991 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.4083% | 542 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6153% | 3,845 |
| Return on assets (ROA) | 0.6153% | 3,792 |
| Pretax return on assets | 0.8073% | 3,607 |
| Return on Equity (ROE) | 7.1700% | 3,599 |
| Retained earnings to average equity (ytd only) | 2.8278% | 3,772 |
| Net charge-offs to loans | 0.0853% | 814 |
| Credit loss provision to net charge-offs | 37.9747% | 1,868 |
| Earnings coverage of net charge-offs (x) | 14.6456% | 2,022 |
| Efficiency ratio | 80.4396% | 684 |
| Assets per employee ($millions) | 4.7426% | 3,861 |
| Cash dividends to net income (ytd only)* | 60.5355% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 3,975 |
| Loan loss allowance to noncurrent loans | 112.2973% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 977 |
| Noncurrent loans to loans | 0.7355% | 1,020 |
| Net loans and leases to total assets | 70.1300% | 1,628 |
| Net loans and leases to deposits | 81.5406% | 1,654 |
| Net loans and leases to core deposits | 92.9101% | 1,348 |
| Total domestic deposits to total assets | 86.0000% | 2,727 |
| Equity capital to assets | 8.4369% | 2,751 |
| Core capital (leverage) ratio | 9.4889% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9606% | 2,392 |
| Memoranda: | ||
| Average total assets | $139,602,000 | 3,534 |
| Average earning assets | $123,523,400 | 3,580 |
| Average equity | $11,988,200 | 3,669 |
| Average total loans | $92,659,000 | 3,253 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 824 |
| Cost of funding earning assets | 0.4264% | 1,119 |
| Net interest margin | 3.8137% | 932 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 3.3003% | 597 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6382% | 3,729 |
| Return on assets (ROA) | 0.6382% | 3,681 |
| Pretax return on assets | 0.8858% | 3,358 |
| Return on Equity (ROE) | 7.4000% | 3,491 |
| Retained earnings to average equity (ytd only) | 1.6132% | 4,116 |
| Net charge-offs to loans | 0.1132% | 554 |
| Credit loss provision to net charge-offs | 38.9610% | 1,567 |
| Earnings coverage of net charge-offs (x) | 12.3766% | 1,921 |
| Efficiency ratio | 78.3015% | 892 |
| Assets per employee ($millions) | 4.3221% | 4,167 |
| Cash dividends to net income (ytd only)* | 78.1955% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 3,927 |
| Loan loss allowance to noncurrent loans | 152.2852% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 1,373 |
| Noncurrent loans to loans | 0.5752% | 1,393 |
| Net loans and leases to total assets | 68.1500% | 1,665 |
| Net loans and leases to deposits | 78.0749% | 1,698 |
| Net loans and leases to core deposits | 83.7925% | 1,666 |
| Total domestic deposits to total assets | 87.2900% | 2,669 |
| Equity capital to assets | 8.3973% | 2,607 |
| Core capital (leverage) ratio | 9.3264% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $138,932,750 | 3,565 |
| Average earning assets | $123,517,500 | 3,609 |
| Average equity | $11,984,250 | 3,711 |
| Average total loans | $90,671,500 | 3,285 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 818 |
| Cost of funding earning assets | 0.4268% | 775 |
| Net interest margin | 3.6457% | 1,000 |
| Noninterest income to average assets | 0.8092% | 1,018 |
| Noninterest expense to average assets | 3.3031% | 549 |
| Loan and lease loss provision to assets | 0.0431% | 1,790 |
| Net operating income to assets | 0.5246% | 3,831 |
| Return on assets (ROA) | 0.5246% | 3,782 |
| Pretax return on assets | 0.7288% | 3,501 |
| Return on Equity (ROE) | 6.0292% | 3,565 |
| Retained earnings to average equity (ytd only) | -2.5604% | 4,419 |
| Net charge-offs to loans | 0.1771% | 362 |
| Credit loss provision to net charge-offs | 37.9747% | 1,541 |
| Earnings coverage of net charge-offs (x) | 6.7975% | 1,879 |
| Efficiency ratio | 81.0582% | 872 |
| Assets per employee ($millions) | 4.7526% | 3,889 |
| Cash dividends to net income (ytd only)* | 142.4658% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 3,903 |
| Loan loss allowance to noncurrent loans | 231.4763% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 2,003 |
| Noncurrent loans to loans | 0.3965% | 1,941 |
| Net loans and leases to total assets | 65.0862% | 1,801 |
| Net loans and leases to deposits | 74.5913% | 1,794 |
| Net loans and leases to core deposits | 79.4926% | 1,749 |
| Total domestic deposits to total assets | 87.2570% | 2,849 |
| Equity capital to assets | 8.4905% | 2,772 |
| Core capital (leverage) ratio | 9.2561% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,141,333 | 3,605 |
| Average earning assets | $124,640,000 | 3,652 |
| Average equity | $12,107,667 | 3,774 |
| Average total loans | $89,198,000 | 3,334 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 968 |
| Cost of funding earning assets | 0.4378% | 691 |
| Net interest margin | 3.4328% | 1,226 |
| Noninterest income to average assets | 0.8240% | 983 |
| Noninterest expense to average assets | 3.2647% | 560 |
| Loan and lease loss provision to assets | 0.0429% | 1,582 |
| Net operating income to assets | 0.4406% | 3,874 |
| Return on assets (ROA) | 0.4406% | 3,837 |
| Pretax return on assets | 0.6123% | 3,600 |
| Return on Equity (ROE) | 5.0039% | 3,623 |
| Retained earnings to average equity (ytd only) | -11.8923% | 4,596 |
| Net charge-offs to loans | 0.3479% | 188 |
| Credit loss provision to net charge-offs | 19.4805% | 1,293 |
| Earnings coverage of net charge-offs (x) | 2.9740% | 1,685 |
| Efficiency ratio | 83.2847% | 897 |
| Assets per employee ($millions) | 4.9107% | 3,826 |
| Cash dividends to net income (ytd only)* | 337.6623% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 4,015 |
| Loan loss allowance to noncurrent loans | 183.4081% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 1,868 |
| Noncurrent loans to loans | 0.4966% | 1,786 |
| Net loans and leases to total assets | 62.4949% | 1,797 |
| Net loans and leases to deposits | 72.8252% | 1,716 |
| Net loans and leases to core deposits | 77.2782% | 1,673 |
| Total domestic deposits to total assets | 85.8149% | 3,318 |
| Equity capital to assets | 8.2887% | 3,333 |
| Core capital (leverage) ratio | 9.0369% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,799,500 | 3,621 |
| Average earning assets | $126,078,500 | 3,658 |
| Average equity | $12,310,500 | 3,830 |
| Average total loans | $88,529,000 | 3,348 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 659 |
| Cost of funding earning assets | 0.5128% | 875 |
| Net interest margin | 3.9293% | 813 |
| Noninterest income to average assets | 0.9995% | 1,007 |
| Noninterest expense to average assets | 3.4846% | 485 |
| Loan and lease loss provision to assets | 0.0378% | 2,287 |
| Net operating income to assets | 0.7809% | 3,389 |
| Return on assets (ROA) | 0.7893% | 3,435 |
| Pretax return on assets | 1.0562% | 3,117 |
| Return on Equity (ROE) | 8.3250% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.5293% | 2,991 |
| Net charge-offs to loans | 0.0461% | 1,365 |
| Credit loss provision to net charge-offs | 125.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | 35.8250% | 1,494 |
| Efficiency ratio | 76.2827% | 1,083 |
| Assets per employee ($millions) | 4.7307% | 3,942 |
| Cash dividends to net income (ytd only)* | 45.5939% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,711 |
| Loan loss allowance to noncurrent loans | 170.2128% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 1,720 |
| Noncurrent loans to loans | 0.5926% | 1,656 |
| Net loans and leases to total assets | 62.9504% | 1,832 |
| Net loans and leases to deposits | 74.3754% | 1,697 |
| Net loans and leases to core deposits | 79.8818% | 1,608 |
| Total domestic deposits to total assets | 84.6387% | 3,385 |
| Equity capital to assets | 9.3426% | 3,278 |
| Core capital (leverage) ratio | 9.3220% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5755% | 2,030 |
| Memoranda: | ||
| Average total assets | $132,267,800 | 3,653 |
| Average earning assets | $120,124,600 | 3,688 |
| Average equity | $12,540,600 | 3,876 |
| Average total loans | $86,838,400 | 3,380 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 571 |
| Cost of funding earning assets | 0.5273% | 922 |
| Net interest margin | 4.0739% | 685 |
| Noninterest income to average assets | 1.0216% | 1,038 |
| Noninterest expense to average assets | 3.4442% | 500 |
| Loan and lease loss provision to assets | 0.0511% | 1,971 |
| Net operating income to assets | 0.8841% | 3,297 |
| Return on assets (ROA) | 0.8954% | 3,335 |
| Pretax return on assets | 1.2434% | 2,792 |
| Return on Equity (ROE) | 9.4079% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.3191% | 3,471 |
| Net charge-offs to loans | 0.0538% | 1,117 |
| Credit loss provision to net charge-offs | 142.8571% | 1,378 |
| Earnings coverage of net charge-offs (x) | 35.9429% | 1,436 |
| Efficiency ratio | 72.9054% | 1,321 |
| Assets per employee ($millions) | 4.6014% | 4,046 |
| Cash dividends to net income (ytd only)* | 54.0909% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,843 |
| Loan loss allowance to noncurrent loans | 110.7500% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 1,322 |
| Noncurrent loans to loans | 0.9034% | 1,273 |
| Net loans and leases to total assets | 63.5123% | 1,833 |
| Net loans and leases to deposits | 75.0143% | 1,761 |
| Net loans and leases to core deposits | 80.4775% | 1,695 |
| Total domestic deposits to total assets | 84.6669% | 3,240 |
| Equity capital to assets | 9.2306% | 3,623 |
| Core capital (leverage) ratio | 9.2407% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,037,500 | 3,699 |
| Average earning assets | $119,096,750 | 3,736 |
| Average equity | $12,471,500 | 3,938 |
| Average total loans | $86,737,750 | 3,431 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 494 |
| Cost of funding earning assets | 0.5490% | 946 |
| Net interest margin | 4.2105% | 571 |
| Noninterest income to average assets | 1.0598% | 977 |
| Noninterest expense to average assets | 3.4591% | 495 |
| Loan and lease loss provision to assets | 0.0622% | 1,801 |
| Net operating income to assets | 0.9805% | 2,959 |
| Return on assets (ROA) | 0.9976% | 2,970 |
| Pretax return on assets | 1.3861% | 2,375 |
| Return on Equity (ROE) | 10.3705% | 2,627 |
| Retained earnings to average equity (ytd only) | 2.6815% | 3,947 |
| Net charge-offs to loans | 0.0604% | 1,012 |
| Credit loss provision to net charge-offs | 153.8462% | 1,155 |
| Earnings coverage of net charge-offs (x) | 35.3077% | 1,229 |
| Efficiency ratio | 70.8015% | 1,543 |
| Assets per employee ($millions) | 4.6010% | 4,015 |
| Cash dividends to net income (ytd only)* | 74.1433% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 3,776 |
| Loan loss allowance to noncurrent loans | 98.5523% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 1,228 |
| Noncurrent loans to loans | 1.0277% | 1,195 |
| Net loans and leases to total assets | 64.8222% | 1,847 |
| Net loans and leases to deposits | 76.7826% | 1,744 |
| Net loans and leases to core deposits | 82.2541% | 1,701 |
| Total domestic deposits to total assets | 84.4231% | 3,302 |
| Equity capital to assets | 9.3796% | 3,438 |
| Core capital (leverage) ratio | 9.4629% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,703,000 | 3,738 |
| Average earning assets | $116,946,000 | 3,774 |
| Average equity | $12,381,333 | 3,952 |
| Average total loans | $86,130,667 | 3,453 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 575 |
| Cost of funding earning assets | 0.5675% | 1,015 |
| Net interest margin | 4.1293% | 695 |
| Noninterest income to average assets | 1.2158% | 835 |
| Noninterest expense to average assets | 3.5016% | 464 |
| Loan and lease loss provision to assets | 0.0633% | 1,870 |
| Net operating income to assets | 1.0098% | 2,783 |
| Return on assets (ROA) | 1.0448% | 2,736 |
| Pretax return on assets | 1.4500% | 2,138 |
| Return on Equity (ROE) | 10.7191% | 2,449 |
| Retained earnings to average equity (ytd only) | -4.7424% | 4,686 |
| Net charge-offs to loans | 0.0140% | 1,467 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 154.6667% | 478 |
| Efficiency ratio | 70.4459% | 1,651 |
| Assets per employee ($millions) | 4.7138% | 3,915 |
| Cash dividends to net income (ytd only)* | 144.2424% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,641 |
| Loan loss allowance to noncurrent loans | 91.4521% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7357% | 1,255 |
| Noncurrent loans to loans | 1.1500% | 1,165 |
| Net loans and leases to total assets | 63.3002% | 2,133 |
| Net loans and leases to deposits | 75.3547% | 1,978 |
| Net loans and leases to core deposits | 80.8047% | 1,930 |
| Total domestic deposits to total assets | 84.0030% | 3,432 |
| Equity capital to assets | 9.2373% | 3,460 |
| Core capital (leverage) ratio | 9.7177% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,340,500 | 3,779 |
| Average earning assets | $114,887,000 | 3,796 |
| Average equity | $12,314,500 | 3,967 |
| Average total loans | $85,508,000 | 3,475 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2793% | 278 |
| Cost of funding earning assets | 0.7513% | 1,439 |
| Net interest margin | 4.5280% | 313 |
| Noninterest income to average assets | 0.9952% | 1,049 |
| Noninterest expense to average assets | 3.7697% | 475 |
| Loan and lease loss provision to assets | 0.1832% | 2,118 |
| Net operating income to assets | 0.8312% | 2,975 |
| Return on assets (ROA) | 0.8312% | 3,099 |
| Pretax return on assets | 1.1269% | 2,600 |
| Return on Equity (ROE) | 7.9146% | 2,854 |
| Retained earnings to average equity (ytd only) | 4.4930% | 2,535 |
| Net charge-offs to loans | 0.0577% | 1,957 |
| Credit loss provision to net charge-offs | 420.0000% | 1,387 |
| Earnings coverage of net charge-offs (x) | 30.0400% | 1,614 |
| Efficiency ratio | 74.2102% | 1,415 |
| Assets per employee ($millions) | 4.3105% | 4,104 |
| Cash dividends to net income (ytd only)* | 43.2319% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,840 |
| Loan loss allowance to noncurrent loans | 112.0823% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 1,629 |
| Noncurrent loans to loans | 0.8986% | 1,567 |
| Net loans and leases to total assets | 71.0126% | 1,423 |
| Net loans and leases to deposits | 86.0799% | 1,251 |
| Net loans and leases to core deposits | 93.3913% | 1,282 |
| Total domestic deposits to total assets | 82.4962% | 3,538 |
| Equity capital to assets | 10.3046% | 2,830 |
| Core capital (leverage) ratio | 10.2758% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4649% | 1,691 |
| Memoranda: | ||
| Average total assets | $114,651,400 | 3,815 |
| Average earning assets | $103,422,600 | 3,853 |
| Average equity | $12,041,000 | 3,972 |
| Average total loans | $86,697,000 | 3,458 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4674% | 246 |
| Cost of funding earning assets | 0.7854% | 1,564 |
| Net interest margin | 4.6821% | 265 |
| Noninterest income to average assets | 0.9911% | 1,032 |
| Noninterest expense to average assets | 3.7380% | 494 |
| Loan and lease loss provision to assets | 0.2475% | 1,638 |
| Net operating income to assets | 0.8791% | 2,778 |
| Return on assets (ROA) | 0.8791% | 2,907 |
| Pretax return on assets | 1.2209% | 2,323 |
| Return on Equity (ROE) | 8.3289% | 2,678 |
| Retained earnings to average equity (ytd only) | 3.7290% | 3,182 |
| Net charge-offs to loans | 0.0323% | 2,182 |
| Credit loss provision to net charge-offs | 1,000.0000% | 820 |
| Earnings coverage of net charge-offs (x) | 59.3333% | 1,105 |
| Efficiency ratio | 71.7972% | 1,665 |
| Assets per employee ($millions) | 4.2393% | 4,104 |
| Cash dividends to net income (ytd only)* | 55.2279% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,690 |
| Loan loss allowance to noncurrent loans | 98.8999% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 1,510 |
| Noncurrent loans to loans | 1.0158% | 1,470 |
| Net loans and leases to total assets | 74.6308% | 1,291 |
| Net loans and leases to deposits | 90.7867% | 1,185 |
| Net loans and leases to core deposits | 98.6448% | 1,268 |
| Total domestic deposits to total assets | 82.2046% | 3,363 |
| Equity capital to assets | 10.3093% | 2,950 |
| Core capital (leverage) ratio | 10.2397% | 2,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,140,750 | 3,828 |
| Average earning assets | $101,861,500 | 3,864 |
| Average equity | $11,942,000 | 3,992 |
| Average total loans | $86,726,250 | 3,472 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7433% | 214 |
| Cost of funding earning assets | 0.8370% | 1,644 |
| Net interest margin | 4.9063% | 238 |
| Noninterest income to average assets | 0.9435% | 1,080 |
| Noninterest expense to average assets | 3.7920% | 505 |
| Loan and lease loss provision to assets | 0.3594% | 1,174 |
| Net operating income to assets | 0.8680% | 2,812 |
| Return on assets (ROA) | 0.8680% | 2,933 |
| Pretax return on assets | 1.2059% | 2,348 |
| Return on Equity (ROE) | 8.1563% | 2,683 |
| Retained earnings to average equity (ytd only) | 1.1990% | 4,040 |
| Net charge-offs to loans | 0.0513% | 1,753 |
| Credit loss provision to net charge-offs | 909.0909% | 841 |
| Earnings coverage of net charge-offs (x) | 39.5909% | 1,257 |
| Efficiency ratio | 70.7816% | 1,851 |
| Assets per employee ($millions) | 4.2674% | 4,040 |
| Cash dividends to net income (ytd only)* | 85.3002% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,628 |
| Loan loss allowance to noncurrent loans | 91.6409% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 1,471 |
| Noncurrent loans to loans | 1.0787% | 1,443 |
| Net loans and leases to total assets | 74.4340% | 1,351 |
| Net loans and leases to deposits | 90.1488% | 1,345 |
| Net loans and leases to core deposits | 97.8352% | 1,426 |
| Total domestic deposits to total assets | 82.5680% | 3,214 |
| Equity capital to assets | 10.0421% | 3,163 |
| Core capital (leverage) ratio | 10.2425% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,288,000 | 3,850 |
| Average earning assets | $100,116,333 | 3,878 |
| Average equity | $11,843,667 | 4,004 |
| Average total loans | $85,806,667 | 3,485 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 550 |
| Cost of funding earning assets | 0.8900% | 1,920 |
| Net interest margin | 4.4128% | 608 |
| Noninterest income to average assets | 0.9628% | 929 |
| Noninterest expense to average assets | 3.9370% | 539 |
| Loan and lease loss provision to assets | 0.2239% | 1,384 |
| Net operating income to assets | 0.5486% | 3,747 |
| Return on assets (ROA) | 0.5486% | 3,809 |
| Pretax return on assets | 0.7613% | 3,518 |
| Return on Equity (ROE) | 4.9975% | 3,633 |
| Retained earnings to average equity (ytd only) | -9.0090% | 4,726 |
| Net charge-offs to loans | 0.0143% | 2,091 |
| Credit loss provision to net charge-offs | 2,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 633 |
| Efficiency ratio | 79.9848% | 1,139 |
| Assets per employee ($millions) | 3.8661% | 4,091 |
| Cash dividends to net income (ytd only)* | 280.2721% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,080 |
| Loan loss allowance to noncurrent loans | 42.7855% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 573 |
| Noncurrent loans to loans | 2.1231% | 638 |
| Net loans and leases to total assets | 77.3942% | 1,070 |
| Net loans and leases to deposits | 96.5686% | 852 |
| Net loans and leases to core deposits | 106.0896% | 1,057 |
| Total domestic deposits to total assets | 80.1443% | 3,832 |
| Equity capital to assets | 10.7851% | 3,062 |
| Core capital (leverage) ratio | 10.9664% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,188,500 | 3,880 |
| Average earning assets | $96,175,500 | 3,922 |
| Average equity | $11,766,000 | 4,026 |
| Average total loans | $83,796,500 | 3,519 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5793% | 492 |
| Cost of funding earning assets | 0.9340% | 2,038 |
| Net interest margin | 4.6453% | 530 |
| Noninterest income to average assets | 1.0288% | 912 |
| Noninterest expense to average assets | 4.0290% | 516 |
| Loan and lease loss provision to assets | 0.0862% | 2,286 |
| Net operating income to assets | 0.7912% | 3,582 |
| Return on assets (ROA) | 0.7912% | 3,659 |
| Pretax return on assets | 1.0681% | 3,271 |
| Return on Equity (ROE) | 7.1937% | 3,484 |
| Retained earnings to average equity (ytd only) | 4.1194% | 2,907 |
| Net charge-offs to loans | 0.0109% | 3,302 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 133.8889% | 543 |
| Efficiency ratio | 77.7305% | 1,178 |
| Assets per employee ($millions) | 3.6595% | 4,307 |
| Cash dividends to net income (ytd only)* | 42.7361% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 4,139 |
| Loan loss allowance to noncurrent loans | 112.6984% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6342% | 2,000 |
| Noncurrent loans to loans | 0.7586% | 1,995 |
| Net loans and leases to total assets | 77.5823% | 1,141 |
| Net loans and leases to deposits | 94.9906% | 1,053 |
| Net loans and leases to core deposits | 105.1949% | 1,158 |
| Total domestic deposits to total assets | 81.6737% | 3,594 |
| Equity capital to assets | 11.1726% | 2,842 |
| Core capital (leverage) ratio | 11.0701% | 2,437 |
| Tier 1 risk-based capital ratio | 14.6950% | 2,910 |
| Total risk-based capital ratio | 15.5770% | 3,012 |
| Memoranda: | ||
| Average total assets | $104,392,200 | 3,927 |
| Average earning assets | $93,362,600 | 3,985 |
| Average equity | $11,482,200 | 4,056 |
| Average total loans | $82,246,400 | 3,555 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 507 |
| Cost of funding earning assets | 0.9245% | 2,120 |
| Net interest margin | 4.6624% | 536 |
| Noninterest income to average assets | 1.0209% | 899 |
| Noninterest expense to average assets | 3.9669% | 550 |
| Loan and lease loss provision to assets | 0.1026% | 1,871 |
| Net operating income to assets | 0.8080% | 3,656 |
| Return on assets (ROA) | 0.8080% | 3,732 |
| Pretax return on assets | 1.1235% | 3,223 |
| Return on Equity (ROE) | 7.3757% | 3,555 |
| Retained earnings to average equity (ytd only) | 3.2429% | 3,786 |
| Net charge-offs to loans | 0.0081% | 3,083 |
| Credit loss provision to net charge-offs | 1,600.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 191.0990% | 455 |
| Efficiency ratio | 76.3892% | 1,286 |
| Assets per employee ($millions) | 3.5929% | 4,403 |
| Cash dividends to net income (ytd only)* | 56.0311% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 4,290 |
| Loan loss allowance to noncurrent loans | 119.4915% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 1,650 |
| Noncurrent loans to loans | 0.6993% | 2,207 |
| Net loans and leases to total assets | 77.6244% | 1,203 |
| Net loans and leases to deposits | 95.8331% | 1,033 |
| Net loans and leases to core deposits | 106.7261% | 1,130 |
| Total domestic deposits to total assets | 80.9996% | 3,755 |
| Equity capital to assets | 10.8158% | 3,280 |
| Core capital (leverage) ratio | 10.9617% | 2,681 |
| Tier 1 risk-based capital ratio | 14.3261% | 3,166 |
| Total risk-based capital ratio | 15.1955% | 3,271 |
| Memoranda: | ||
| Average total assets | $103,958,750 | 3,977 |
| Average earning assets | $93,024,750 | 4,036 |
| Average equity | $11,388,500 | 4,111 |
| Average total loans | $82,046,750 | 3,599 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5413% | 527 |
| Cost of funding earning assets | 0.9054% | 2,113 |
| Net interest margin | 4.6359% | 571 |
| Noninterest income to average assets | 0.9875% | 890 |
| Noninterest expense to average assets | 4.0299% | 515 |
| Loan and lease loss provision to assets | 0.1071% | 1,753 |
| Net operating income to assets | 0.7187% | 3,940 |
| Return on assets (ROA) | 0.7187% | 4,000 |
| Pretax return on assets | 0.9992% | 3,554 |
| Return on Equity (ROE) | 6.5317% | 3,866 |
| Retained earnings to average equity (ytd only) | 0.2832% | 4,614 |
| Net charge-offs to loans | 0.0025% | 3,084 |
| Credit loss provision to net charge-offs | 5,500.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 568.0000% | 134 |
| Efficiency ratio | 78.4604% | 1,097 |
| Assets per employee ($millions) | 3.4906% | 4,507 |
| Cash dividends to net income (ytd only)* | 95.6640% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 4,336 |
| Loan loss allowance to noncurrent loans | 114.0234% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 1,612 |
| Noncurrent loans to loans | 0.7279% | 2,171 |
| Net loans and leases to total assets | 77.9276% | 1,235 |
| Net loans and leases to deposits | 96.3255% | 999 |
| Net loans and leases to core deposits | 108.0031% | 1,102 |
| Total domestic deposits to total assets | 80.9003% | 3,846 |
| Equity capital to assets | 10.8844% | 3,191 |
| Core capital (leverage) ratio | 11.0893% | 2,513 |
| Tier 1 risk-based capital ratio | 14.1413% | 3,245 |
| Total risk-based capital ratio | 14.9918% | 3,355 |
| Memoranda: | ||
| Average total assets | $102,682,670 | 4,023 |
| Average earning assets | $91,892,330 | 4,075 |
| Average equity | $11,298,670 | 4,133 |
| Average total loans | $81,271,000 | 3,636 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4562% | 559 |
| Cost of funding earning assets | 0.8742% | 2,129 |
| Net interest margin | 4.5820% | 635 |
| Noninterest income to average assets | 0.9482% | 921 |
| Noninterest expense to average assets | 4.0486% | 502 |
| Loan and lease loss provision to assets | 0.1180% | 1,487 |
| Net operating income to assets | 0.6374% | 4,129 |
| Return on assets (ROA) | 0.6374% | 4,170 |
| Pretax return on assets | 0.8853% | 3,816 |
| Return on Equity (ROE) | 5.7605% | 4,093 |
| Retained earnings to average equity (ytd only) | -6.7917% | 5,004 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1402% | 1,057 |
| Assets per employee ($millions) | 3.4093% | 4,645 |
| Cash dividends to net income (ytd only)* | 217.9012% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 4,493 |
| Loan loss allowance to noncurrent loans | 129.1585% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 1,755 |
| Noncurrent loans to loans | 0.6264% | 2,446 |
| Net loans and leases to total assets | 79.1171% | 974 |
| Net loans and leases to deposits | 94.6301% | 1,096 |
| Net loans and leases to core deposits | 105.5404% | 1,205 |
| Total domestic deposits to total assets | 83.6068% | 3,180 |
| Equity capital to assets | 10.9190% | 2,931 |
| Core capital (leverage) ratio | 10.9326% | 2,632 |
| Tier 1 risk-based capital ratio | 14.3690% | 3,159 |
| Total risk-based capital ratio | 15.2185% | 3,269 |
| Memoranda: | ||
| Average total assets | $101,664,500 | 4,078 |
| Average earning assets | $91,052,500 | 4,123 |
| Average equity | $11,249,000 | 4,160 |
| Average total loans | $80,762,500 | 3,674 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4773% | 425 |
| Cost of funding earning assets | 0.7609% | 1,733 |
| Net interest margin | 4.7164% | 470 |
| Noninterest income to average assets | 1.0723% | 816 |
| Noninterest expense to average assets | 4.1705% | 418 |
| Loan and lease loss provision to assets | 0.0886% | 2,372 |
| Net operating income to assets | 0.7368% | 4,016 |
| Return on assets (ROA) | 0.7368% | 4,016 |
| Pretax return on assets | 0.9858% | 3,657 |
| Return on Equity (ROE) | 6.4256% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.0717% | 3,318 |
| Net charge-offs to loans | 0.0561% | 2,342 |
| Credit loss provision to net charge-offs | 202.3810% | 1,422 |
| Earnings coverage of net charge-offs (x) | 24.5476% | 1,805 |
| Efficiency ratio | 79.5152% | 1,001 |
| Assets per employee ($millions) | 3.3683% | 4,687 |
| Cash dividends to net income (ytd only)* | 36.6337% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7881% | 4,576 |
| Loan loss allowance to noncurrent loans | 157.1072% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 2,054 |
| Noncurrent loans to loans | 0.5016% | 2,770 |
| Net loans and leases to total assets | 78.4906% | 1,181 |
| Net loans and leases to deposits | 94.0932% | 1,266 |
| Net loans and leases to core deposits | 107.7285% | 1,138 |
| Total domestic deposits to total assets | 83.4179% | 3,185 |
| Equity capital to assets | 11.2124% | 2,504 |
| Core capital (leverage) ratio | 11.4922% | 2,112 |
| Tier 1 risk-based capital ratio | 14.8691% | 2,895 |
| Total risk-based capital ratio | 15.6903% | 3,003 |
| Memoranda: | ||
| Average total assets | $95,960,000 | 4,168 |
| Average earning assets | $84,895,600 | 4,237 |
| Average equity | $11,002,800 | 4,155 |
| Average total loans | $74,929,800 | 3,775 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 425 |
| Cost of funding earning assets | 0.7344% | 1,655 |
| Net interest margin | 4.6937% | 480 |
| Noninterest income to average assets | 1.0321% | 900 |
| Noninterest expense to average assets | 4.1398% | 431 |
| Loan and lease loss provision to assets | 0.0774% | 2,409 |
| Net operating income to assets | 0.7111% | 4,189 |
| Return on assets (ROA) | 0.7111% | 4,199 |
| Pretax return on assets | 0.9547% | 3,867 |
| Return on Equity (ROE) | 6.1654% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.0033% | 4,236 |
| Net charge-offs to loans | 0.0235% | 2,662 |
| Credit loss provision to net charge-offs | 423.0769% | 790 |
| Earnings coverage of net charge-offs (x) | 56.3941% | 1,096 |
| Efficiency ratio | 80.0436% | 936 |
| Assets per employee ($millions) | 3.4461% | 4,627 |
| Cash dividends to net income (ytd only)* | 51.2862% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 4,553 |
| Loan loss allowance to noncurrent loans | 105.5369% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 1,692 |
| Noncurrent loans to loans | 0.7757% | 2,149 |
| Net loans and leases to total assets | 76.2513% | 1,624 |
| Net loans and leases to deposits | 92.0894% | 1,612 |
| Net loans and leases to core deposits | 104.2377% | 1,441 |
| Total domestic deposits to total assets | 82.8013% | 3,374 |
| Equity capital to assets | 11.1129% | 2,556 |
| Core capital (leverage) ratio | 11.3353% | 2,302 |
| Tier 1 risk-based capital ratio | 14.8177% | 2,961 |
| Total risk-based capital ratio | 15.6525% | 3,083 |
| Memoranda: | ||
| Average total assets | $94,687,750 | 4,228 |
| Average earning assets | $83,513,250 | 4,303 |
| Average equity | $10,921,000 | 4,210 |
| Average total loans | $73,676,250 | 3,834 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 400 |
| Cost of funding earning assets | 0.6918% | 1,666 |
| Net interest margin | 4.6941% | 441 |
| Noninterest income to average assets | 0.9490% | 1,055 |
| Noninterest expense to average assets | 4.1619% | 432 |
| Loan and lease loss provision to assets | 0.0646% | 2,607 |
| Net operating income to assets | 0.6693% | 4,287 |
| Return on assets (ROA) | 0.6693% | 4,292 |
| Pretax return on assets | 0.8694% | 4,056 |
| Return on Equity (ROE) | 5.7278% | 4,336 |
| Retained earnings to average equity (ytd only) | 0.9577% | 4,769 |
| Net charge-offs to loans | -0.0220% | 4,605 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6723% | 859 |
| Assets per employee ($millions) | 3.1679% | 4,959 |
| Cash dividends to net income (ytd only)* | 83.2797% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 4,539 |
| Loan loss allowance to noncurrent loans | 101.4610% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 1,193 |
| Noncurrent loans to loans | 0.8416% | 2,041 |
| Net loans and leases to total assets | 76.3626% | 1,579 |
| Net loans and leases to deposits | 92.8232% | 1,497 |
| Net loans and leases to core deposits | 105.4672% | 1,279 |
| Total domestic deposits to total assets | 82.2667% | 3,639 |
| Equity capital to assets | 11.4967% | 2,202 |
| Core capital (leverage) ratio | 11.9057% | 1,773 |
| Tier 1 risk-based capital ratio | 14.9498% | 2,897 |
| Total risk-based capital ratio | 15.8004% | 3,013 |
| Memoranda: | ||
| Average total assets | $92,937,670 | 4,300 |
| Average earning assets | $82,103,670 | 4,363 |
| Average equity | $10,859,330 | 4,255 |
| Average total loans | $72,624,000 | 3,878 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2970% | 407 |
| Cost of funding earning assets | 0.6806% | 1,542 |
| Net interest margin | 4.6164% | 483 |
| Noninterest income to average assets | 0.9707% | 977 |
| Noninterest expense to average assets | 4.2530% | 377 |
| Loan and lease loss provision to assets | 0.0653% | 2,464 |
| Net operating income to assets | 0.6094% | 4,402 |
| Return on assets (ROA) | 0.6094% | 4,407 |
| Pretax return on assets | 0.7270% | 4,369 |
| Return on Equity (ROE) | 5.1727% | 4,429 |
| Retained earnings to average equity (ytd only) | -4.3968% | 5,172 |
| Net charge-offs to loans | -0.0332% | 4,783 |
| Credit loss provision to net charge-offs | -250.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2968% | 777 |
| Assets per employee ($millions) | 3.1935% | 5,008 |
| Cash dividends to net income (ytd only)* | 185.0000% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,661 |
| Loan loss allowance to noncurrent loans | 80.9587% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 1,256 |
| Noncurrent loans to loans | 1.0431% | 1,756 |
| Net loans and leases to total assets | 77.0880% | 1,371 |
| Net loans and leases to deposits | 94.0866% | 1,217 |
| Net loans and leases to core deposits | 103.8323% | 1,385 |
| Total domestic deposits to total assets | 81.9330% | 3,984 |
| Equity capital to assets | 11.6163% | 2,050 |
| Core capital (leverage) ratio | 11.7938% | 1,783 |
| Tier 1 risk-based capital ratio | 15.0775% | 2,834 |
| Total risk-based capital ratio | 15.9272% | 2,948 |
| Memoranda: | ||
| Average total assets | $91,888,500 | 4,371 |
| Average earning assets | $81,103,000 | 4,428 |
| Average equity | $10,826,000 | 4,303 |
| Average total loans | $72,337,500 | 3,924 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4238% | 298 |
| Cost of funding earning assets | 0.6474% | 1,310 |
| Net interest margin | 4.7764% | 368 |
| Noninterest income to average assets | 1.1740% | 749 |
| Noninterest expense to average assets | 4.1652% | 436 |
| Loan and lease loss provision to assets | 0.1000% | 2,224 |
| Net operating income to assets | 0.5776% | 4,105 |
| Return on assets (ROA) | 0.5776% | 4,142 |
| Pretax return on assets | 1.0719% | 3,291 |
| Return on Equity (ROE) | 4.8544% | 4,219 |
| Retained earnings to average equity (ytd only) | 2.7072% | 3,693 |
| Net charge-offs to loans | 0.1281% | 1,760 |
| Credit loss provision to net charge-offs | 102.2727% | 2,505 |
| Earnings coverage of net charge-offs (x) | 11.9886% | 2,518 |
| Efficiency ratio | 78.0437% | 1,344 |
| Assets per employee ($millions) | 3.2559% | 4,983 |
| Cash dividends to net income (ytd only)* | 44.2308% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8077% | 4,800 |
| Loan loss allowance to noncurrent loans | 84.7042% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.4995% | 915 |
| Noncurrent loans to loans | 0.9536% | 1,860 |
| Net loans and leases to total assets | 79.0733% | 1,105 |
| Net loans and leases to deposits | 99.3125% | 786 |
| Net loans and leases to core deposits | 110.0731% | 1,000 |
| Total domestic deposits to total assets | 79.6207% | 4,410 |
| Equity capital to assets | 11.9496% | 1,864 |
| Core capital (leverage) ratio | 11.8321% | 1,703 |
| Tier 1 risk-based capital ratio | 14.7979% | 2,931 |
| Total risk-based capital ratio | 15.5943% | 3,081 |
| Memoranda: | ||
| Average total assets | $90,030,800 | 4,424 |
| Average earning assets | $78,469,000 | 4,486 |
| Average equity | $10,712,000 | 4,347 |
| Average total loans | $68,674,200 | 3,997 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4004% | 299 |
| Cost of funding earning assets | 0.6403% | 1,304 |
| Net interest margin | 4.7601% | 370 |
| Noninterest income to average assets | 1.1528% | 765 |
| Noninterest expense to average assets | 4.0498% | 488 |
| Loan and lease loss provision to assets | 0.1188% | 1,822 |
| Net operating income to assets | 0.6982% | 3,999 |
| Return on assets (ROA) | 0.6982% | 4,059 |
| Pretax return on assets | 1.1261% | 3,203 |
| Return on Equity (ROE) | 5.8749% | 4,179 |
| Retained earnings to average equity (ytd only) | 3.0000% | 4,120 |
| Net charge-offs to loans | 0.0296% | 2,835 |
| Credit loss provision to net charge-offs | 533.3333% | 592 |
| Earnings coverage of net charge-offs (x) | 55.8655% | 1,041 |
| Efficiency ratio | 76.4871% | 1,520 |
| Assets per employee ($millions) | 3.2339% | 5,035 |
| Cash dividends to net income (ytd only)* | 48.9364% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,491 |
| Loan loss allowance to noncurrent loans | 107.7815% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 1,097 |
| Noncurrent loans to loans | 0.8487% | 2,243 |
| Net loans and leases to total assets | 75.1925% | 1,727 |
| Net loans and leases to deposits | 92.1658% | 1,546 |
| Net loans and leases to core deposits | 103.5507% | 1,424 |
| Total domestic deposits to total assets | 81.5839% | 3,898 |
| Equity capital to assets | 11.5854% | 2,290 |
| Core capital (leverage) ratio | 11.5824% | 1,962 |
| Tier 1 risk-based capital ratio | 15.2328% | 2,822 |
| Total risk-based capital ratio | 16.1461% | 2,892 |
| Memoranda: | ||
| Average total assets | $89,747,000 | 4,472 |
| Average earning assets | $78,091,250 | 4,535 |
| Average equity | $10,666,500 | 4,394 |
| Average total loans | $67,674,000 | 4,049 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 305 |
| Cost of funding earning assets | 0.6255% | 1,302 |
| Net interest margin | 4.7213% | 377 |
| Noninterest income to average assets | 1.1108% | 812 |
| Noninterest expense to average assets | 4.1492% | 440 |
| Loan and lease loss provision to assets | 0.1131% | 1,811 |
| Net operating income to assets | 0.5973% | 4,320 |
| Return on assets (ROA) | 0.5973% | 4,362 |
| Pretax return on assets | 0.9638% | 3,709 |
| Return on Equity (ROE) | 4.9810% | 4,481 |
| Retained earnings to average equity (ytd only) | 0.6415% | 4,938 |
| Net charge-offs to loans | -0.0180% | 4,745 |
| Credit loss provision to net charge-offs | -833.3333% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3939% | 1,280 |
| Assets per employee ($millions) | 2.9957% | 5,271 |
| Cash dividends to net income (ytd only)* | 87.1212% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,580 |
| Loan loss allowance to noncurrent loans | 73.0901% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.5754% | 950 |
| Noncurrent loans to loans | 1.2514% | 1,545 |
| Net loans and leases to total assets | 74.7706% | 1,739 |
| Net loans and leases to deposits | 91.5441% | 1,554 |
| Net loans and leases to core deposits | 103.7937% | 1,366 |
| Total domestic deposits to total assets | 81.6772% | 3,981 |
| Equity capital to assets | 11.4808% | 2,334 |
| Core capital (leverage) ratio | 11.9674% | 1,646 |
| Tier 1 risk-based capital ratio | 14.7226% | 3,054 |
| Total risk-based capital ratio | 15.6085% | 3,162 |
| Memoranda: | ||
| Average total assets | $88,402,000 | 4,518 |
| Average earning assets | $77,055,330 | 4,589 |
| Average equity | $10,600,330 | 4,422 |
| Average total loans | $66,509,330 | 4,090 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 349 |
| Cost of funding earning assets | 0.5995% | 1,376 |
| Net interest margin | 4.6528% | 404 |
| Noninterest income to average assets | 1.1002% | 820 |
| Noninterest expense to average assets | 4.1453% | 453 |
| Loan and lease loss provision to assets | 0.0696% | 2,416 |
| Net operating income to assets | 0.5942% | 4,189 |
| Return on assets (ROA) | 0.5942% | 4,233 |
| Pretax return on assets | 0.9563% | 3,560 |
| Return on Equity (ROE) | 4.8441% | 4,461 |
| Retained earnings to average equity (ytd only) | -3.8602% | 5,323 |
| Net charge-offs to loans | -0.0742% | 5,351 |
| Credit loss provision to net charge-offs | -125.0000% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1616% | 1,365 |
| Assets per employee ($millions) | 2.9048% | 5,427 |
| Cash dividends to net income (ytd only)* | 179.6875% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 4,609 |
| Loan loss allowance to noncurrent loans | 73.4694% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6341% | 950 |
| Noncurrent loans to loans | 1.2779% | 1,576 |
| Net loans and leases to total assets | 74.0972% | 1,717 |
| Net loans and leases to deposits | 90.0059% | 1,528 |
| Net loans and leases to core deposits | 101.5507% | 1,398 |
| Total domestic deposits to total assets | 82.3249% | 4,080 |
| Equity capital to assets | 12.0753% | 1,780 |
| Core capital (leverage) ratio | 12.2161% | 1,496 |
| Tier 1 risk-based capital ratio | 15.5940% | 2,718 |
| Total risk-based capital ratio | 16.5016% | 2,794 |
| Memoranda: | ||
| Average total assets | $86,169,000 | 4,598 |
| Average earning assets | $75,395,000 | 4,670 |
| Average equity | $10,569,500 | 4,453 |
| Average total loans | $64,724,500 | 4,162 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3570% | 322 |
| Cost of funding earning assets | 0.5735% | 1,521 |
| Net interest margin | 4.7834% | 361 |
| Noninterest income to average assets | 1.2539% | 725 |
| Noninterest expense to average assets | 4.5065% | 373 |
| Loan and lease loss provision to assets | 0.0302% | 3,750 |
| Net operating income to assets | 0.5507% | 4,434 |
| Return on assets (ROA) | 0.5564% | 4,512 |
| Pretax return on assets | 0.8327% | 4,080 |
| Return on Equity (ROE) | 4.4197% | 4,701 |
| Retained earnings to average equity (ytd only) | 2.3105% | 4,213 |
| Net charge-offs to loans | 0.1368% | 1,882 |
| Credit loss provision to net charge-offs | 30.1205% | 3,588 |
| Earnings coverage of net charge-offs (x) | 8.5301% | 2,863 |
| Efficiency ratio | 84.0612% | 1,004 |
| Assets per employee ($millions) | 2.9377% | 5,396 |
| Cash dividends to net income (ytd only)* | 47.7223% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 4,748 |
| Loan loss allowance to noncurrent loans | 61.7740% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.6821% | 921 |
| Noncurrent loans to loans | 1.4736% | 1,373 |
| Net loans and leases to total assets | 74.7479% | 1,736 |
| Net loans and leases to deposits | 92.6201% | 1,354 |
| Net loans and leases to core deposits | 105.0409% | 1,200 |
| Total domestic deposits to total assets | 80.7038% | 4,411 |
| Equity capital to assets | 12.4611% | 1,546 |
| Core capital (leverage) ratio | 12.3508% | 1,405 |
| Tier 1 risk-based capital ratio | 15.6925% | 2,673 |
| Total risk-based capital ratio | 16.5571% | 2,772 |
| Memoranda: | ||
| Average total assets | $82,858,400 | 4,670 |
| Average earning assets | $71,141,200 | 4,779 |
| Average equity | $10,430,600 | 4,508 |
| Average total loans | $60,650,600 | 4,278 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 346 |
| Cost of funding earning assets | 0.5695% | 1,548 |
| Net interest margin | 4.7569% | 391 |
| Noninterest income to average assets | 1.2332% | 763 |
| Noninterest expense to average assets | 4.4160% | 410 |
| Loan and lease loss provision to assets | 0.0324% | 3,580 |
| Net operating income to assets | 0.5243% | 4,596 |
| Return on assets (ROA) | 0.5315% | 4,672 |
| Pretax return on assets | 0.8573% | 4,130 |
| Return on Equity (ROE) | 4.2114% | 4,828 |
| Retained earnings to average equity (ytd only) | 1.3867% | 4,953 |
| Net charge-offs to loans | 0.0558% | 2,563 |
| Credit loss provision to net charge-offs | 80.0000% | 2,660 |
| Earnings coverage of net charge-offs (x) | 21.6817% | 1,812 |
| Efficiency ratio | 83.4099% | 1,034 |
| Assets per employee ($millions) | 3.0167% | 5,376 |
| Cash dividends to net income (ytd only)* | 67.0745% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 4,281 |
| Loan loss allowance to noncurrent loans | 56.2610% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.0049% | 777 |
| Noncurrent loans to loans | 1.8180% | 1,130 |
| Net loans and leases to total assets | 70.5698% | 2,411 |
| Net loans and leases to deposits | 85.6034% | 2,301 |
| Net loans and leases to core deposits | 97.4339% | 1,870 |
| Total domestic deposits to total assets | 82.4381% | 3,800 |
| Equity capital to assets | 12.0363% | 2,094 |
| Core capital (leverage) ratio | 12.3043% | 1,481 |
| Tier 1 risk-based capital ratio | 16.0811% | 2,592 |
| Total risk-based capital ratio | 17.0595% | 2,639 |
| Memoranda: | ||
| Average total assets | $82,274,750 | 4,724 |
| Average earning assets | $70,240,000 | 4,842 |
| Average equity | $10,384,250 | 4,557 |
| Average total loans | $59,747,000 | 4,336 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 341 |
| Cost of funding earning assets | 0.5673% | 1,562 |
| Net interest margin | 4.7538% | 397 |
| Noninterest income to average assets | 1.1249% | 887 |
| Noninterest expense to average assets | 4.5320% | 375 |
| Loan and lease loss provision to assets | 0.0248% | 3,636 |
| Net operating income to assets | 0.3887% | 5,068 |
| Return on assets (ROA) | 0.3998% | 5,107 |
| Pretax return on assets | 0.6432% | 4,777 |
| Return on Equity (ROE) | 3.1154% | 5,216 |
| Retained earnings to average equity (ytd only) | -1.1417% | 5,456 |
| Net charge-offs to loans | 0.0781% | 2,076 |
| Credit loss provision to net charge-offs | 43.4783% | 2,737 |
| Earnings coverage of net charge-offs (x) | 11.3913% | 2,263 |
| Efficiency ratio | 87.4461% | 759 |
| Assets per employee ($millions) | 2.9490% | 5,480 |
| Cash dividends to net income (ytd only)* | 136.6460% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,344 |
| Loan loss allowance to noncurrent loans | 50.1193% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.5396% | 539 |
| Noncurrent loans to loans | 2.0566% | 951 |
| Net loans and leases to total assets | 73.2570% | 1,967 |
| Net loans and leases to deposits | 90.9049% | 1,642 |
| Net loans and leases to core deposits | 103.6072% | 1,351 |
| Total domestic deposits to total assets | 80.5864% | 4,392 |
| Equity capital to assets | 12.5540% | 1,739 |
| Core capital (leverage) ratio | 12.7640% | 1,248 |
| Tier 1 risk-based capital ratio | 16.0799% | 2,605 |
| Total risk-based capital ratio | 17.0617% | 2,670 |
| Memoranda: | ||
| Average total assets | $80,538,000 | 4,804 |
| Average earning assets | $68,745,670 | 4,913 |
| Average equity | $10,335,670 | 4,593 |
| Average total loans | $58,870,670 | 4,384 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 295 |
| Cost of funding earning assets | 0.5553% | 1,656 |
| Net interest margin | 4.8386% | 336 |
| Noninterest income to average assets | 1.0161% | 1,039 |
| Noninterest expense to average assets | 4.5220% | 388 |
| Loan and lease loss provision to assets | 0.0503% | 2,915 |
| Net operating income to assets | 0.3497% | 5,147 |
| Return on assets (ROA) | 0.3722% | 5,150 |
| Pretax return on assets | 0.5986% | 4,827 |
| Return on Equity (ROE) | 2.8681% | 5,283 |
| Retained earnings to average equity (ytd only) | -5.6586% | 5,637 |
| Net charge-offs to loans | 0.0416% | 2,171 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,468 |
| Efficiency ratio | 88.0509% | 815 |
| Assets per employee ($millions) | 2.7467% | 5,707 |
| Cash dividends to net income (ytd only)* | 297.2973% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 4,012 |
| Loan loss allowance to noncurrent loans | 45.7567% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.8561% | 462 |
| Noncurrent loans to loans | 2.4184% | 796 |
| Net loans and leases to total assets | 72.5893% | 1,940 |
| Net loans and leases to deposits | 89.4508% | 1,644 |
| Net loans and leases to core deposits | 102.8734% | 1,275 |
| Total domestic deposits to total assets | 81.1500% | 4,445 |
| Equity capital to assets | 12.8805% | 1,473 |
| Core capital (leverage) ratio | 12.9040% | 1,193 |
| Tier 1 risk-based capital ratio | 16.8550% | 2,343 |
| Total risk-based capital ratio | 17.9179% | 2,358 |
| Memoranda: | ||
| Average total assets | $79,521,500 | 4,867 |
| Average earning assets | $67,706,000 | 4,986 |
| Average equity | $10,320,500 | 4,613 |
| Average total loans | $57,746,500 | 4,451 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3441% | 347 |
| Cost of funding earning assets | 0.5647% | 1,637 |
| Net interest margin | 4.7794% | 393 |
| Noninterest income to average assets | 1.3239% | 688 |
| Noninterest expense to average assets | 4.4394% | 427 |
| Loan and lease loss provision to assets | 0.0632% | 3,032 |
| Net operating income to assets | 0.5665% | 4,439 |
| Return on assets (ROA) | 0.5665% | 4,529 |
| Pretax return on assets | 0.8560% | 3,999 |
| Return on Equity (ROE) | 4.4119% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.1809% | 3,789 |
| Net charge-offs to loans | -0.0125% | 5,160 |
| Credit loss provision to net charge-offs | -714.2857% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8457% | 1,289 |
| Assets per employee ($millions) | 2.7375% | 5,749 |
| Cash dividends to net income (ytd only)* | 27.9018% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,882 |
| Loan loss allowance to noncurrent loans | 51.4812% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.6641% | 557 |
| Noncurrent loans to loans | 2.1903% | 908 |
| Net loans and leases to total assets | 71.0208% | 2,193 |
| Net loans and leases to deposits | 87.8320% | 1,896 |
| Net loans and leases to core deposits | 102.0969% | 1,355 |
| Total domestic deposits to total assets | 80.8598% | 4,524 |
| Equity capital to assets | 13.0763% | 1,315 |
| Core capital (leverage) ratio | 13.0638% | 1,127 |
| Tier 1 risk-based capital ratio | 17.6302% | 2,083 |
| Total risk-based capital ratio | 18.7228% | 2,082 |
| Memoranda: | ||
| Average total assets | $79,087,000 | 4,893 |
| Average earning assets | $66,765,800 | 5,027 |
| Average equity | $10,154,400 | 4,634 |
| Average total loans | $55,816,800 | 4,507 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 370 |
| Cost of funding earning assets | 0.5695% | 1,635 |
| Net interest margin | 4.7356% | 430 |
| Noninterest income to average assets | 1.1002% | 997 |
| Noninterest expense to average assets | 4.3267% | 476 |
| Loan and lease loss provision to assets | 0.0844% | 2,484 |
| Net operating income to assets | 0.4269% | 5,064 |
| Return on assets (ROA) | 0.4269% | 5,146 |
| Pretax return on assets | 0.6885% | 4,718 |
| Return on Equity (ROE) | 3.3405% | 5,274 |
| Retained earnings to average equity (ytd only) | 1.6901% | 5,023 |
| Net charge-offs to loans | -0.0192% | 5,195 |
| Credit loss provision to net charge-offs | -625.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8445% | 1,094 |
| Assets per employee ($millions) | 2.7468% | 5,805 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 4,143 |
| Loan loss allowance to noncurrent loans | 72.6043% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 2.6878% | 612 |
| Noncurrent loans to loans | 1.5352% | 1,630 |
| Net loans and leases to total assets | 71.7247% | 2,107 |
| Net loans and leases to deposits | 88.8138% | 1,794 |
| Net loans and leases to core deposits | 103.1729% | 1,292 |
| Total domestic deposits to total assets | 80.7585% | 4,531 |
| Equity capital to assets | 12.8214% | 1,548 |
| Core capital (leverage) ratio | 12.7003% | 1,318 |
| Tier 1 risk-based capital ratio | 17.3275% | 2,246 |
| Total risk-based capital ratio | 18.4233% | 2,250 |
| Memoranda: | ||
| Average total assets | $79,011,750 | 4,950 |
| Average earning assets | $66,726,500 | 5,083 |
| Average equity | $10,097,750 | 4,700 |
| Average total loans | $55,514,750 | 4,556 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 408 |
| Cost of funding earning assets | 0.5675% | 1,661 |
| Net interest margin | 4.6632% | 469 |
| Noninterest income to average assets | 1.1244% | 953 |
| Noninterest expense to average assets | 4.2514% | 513 |
| Loan and lease loss provision to assets | 0.1269% | 1,748 |
| Net operating income to assets | 0.4264% | 5,054 |
| Return on assets (ROA) | 0.4264% | 5,159 |
| Pretax return on assets | 0.6878% | 4,696 |
| Return on Equity (ROE) | 3.3402% | 5,297 |
| Retained earnings to average equity (ytd only) | 0.8549% | 5,221 |
| Net charge-offs to loans | -0.0256% | 5,260 |
| Credit loss provision to net charge-offs | -714.2857% | 5,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9178% | 1,274 |
| Assets per employee ($millions) | 2.8422% | 5,773 |
| Cash dividends to net income (ytd only)* | 74.4048% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 4,064 |
| Loan loss allowance to noncurrent loans | 61.1586% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.1477% | 506 |
| Noncurrent loans to loans | 1.8861% | 1,321 |
| Net loans and leases to total assets | 69.3457% | 2,436 |
| Net loans and leases to deposits | 85.1846% | 2,151 |
| Net loans and leases to core deposits | 98.2150% | 1,636 |
| Total domestic deposits to total assets | 81.4064% | 4,483 |
| Equity capital to assets | 12.6915% | 1,554 |
| Core capital (leverage) ratio | 12.8104% | 1,251 |
| Tier 1 risk-based capital ratio | 15.9780% | 2,869 |
| Total risk-based capital ratio | 16.9971% | 2,929 |
| Memoranda: | ||
| Average total assets | $78,797,000 | 5,000 |
| Average earning assets | $66,606,330 | 5,139 |
| Average equity | $10,059,330 | 4,738 |
| Average total loans | $54,760,670 | 4,622 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 444 |
| Cost of funding earning assets | 0.5752% | 1,615 |
| Net interest margin | 4.5719% | 532 |
| Noninterest income to average assets | 1.1275% | 882 |
| Noninterest expense to average assets | 4.2293% | 537 |
| Loan and lease loss provision to assets | 0.1020% | 1,996 |
| Net operating income to assets | 0.4285% | 4,951 |
| Return on assets (ROA) | 0.4285% | 5,078 |
| Pretax return on assets | 0.6887% | 4,623 |
| Return on Equity (ROE) | 3.3469% | 5,237 |
| Retained earnings to average equity (ytd only) | -1.6336% | 5,642 |
| Net charge-offs to loans | -0.0664% | 5,667 |
| Credit loss provision to net charge-offs | -222.2222% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2480% | 1,355 |
| Assets per employee ($millions) | 2.9535% | 5,727 |
| Cash dividends to net income (ytd only)* | 148.8095% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 4,299 |
| Loan loss allowance to noncurrent loans | 52.1628% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 3.3645% | 510 |
| Noncurrent loans to loans | 2.1911% | 1,157 |
| Net loans and leases to total assets | 66.7051% | 2,651 |
| Net loans and leases to deposits | 83.7160% | 2,118 |
| Net loans and leases to core deposits | 102.4854% | 1,148 |
| Total domestic deposits to total assets | 79.6802% | 5,126 |
| Equity capital to assets | 12.5864% | 1,637 |
| Core capital (leverage) ratio | 12.7230% | 1,265 |
| Tier 1 risk-based capital ratio | 16.2067% | 2,818 |
| Total risk-based capital ratio | 17.2021% | 2,887 |
| Memoranda: | ||
| Average total assets | $78,405,000 | 5,059 |
| Average earning assets | $66,755,000 | 5,174 |
| Average equity | $10,039,000 | 4,770 |
| Average total loans | $54,226,000 | 4,664 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5598% | 289 |
| Cost of funding earning assets | 0.5872% | 1,883 |
| Net interest margin | 4.9725% | 319 |
| Noninterest income to average assets | 1.0894% | 1,021 |
| Noninterest expense to average assets | 4.6347% | 410 |
| Loan and lease loss provision to assets | 0.1958% | 1,306 |
| Net operating income to assets | 0.3540% | 5,369 |
| Return on assets (ROA) | 0.3636% | 5,415 |
| Pretax return on assets | 0.4755% | 5,311 |
| Return on Equity (ROE) | 2.6304% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.6304% | 4,372 |
| Net charge-offs to loans | 0.1742% | 2,280 |
| Credit loss provision to net charge-offs | 157.3034% | 1,543 |
| Earnings coverage of net charge-offs (x) | 5.2921% | 3,462 |
| Efficiency ratio | 87.5561% | 1,031 |
| Assets per employee ($millions) | 2.7523% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 4,681 |
| Loan loss allowance to noncurrent loans | 55.2830% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 3.7994% | 463 |
| Noncurrent loans to loans | 1.9399% | 1,446 |
| Net loans and leases to total assets | 70.1447% | 2,219 |
| Net loans and leases to deposits | 88.8190% | 1,636 |
| Net loans and leases to core deposits | 109.7849% | 787 |
| Total domestic deposits to total assets | 78.9749% | 5,255 |
| Equity capital to assets | 13.0293% | 1,356 |
| Core capital (leverage) ratio | 13.3054% | 1,024 |
| Tier 1 risk-based capital ratio | 17.9409% | 2,158 |
| Total risk-based capital ratio | 18.9865% | 2,190 |
| Memoranda: | ||
| Average total assets | $71,504,800 | 5,246 |
| Average earning assets | $60,452,200 | 5,383 |
| Average equity | $9,884,400 | 4,773 |
| Average total loans | $51,081,400 | 4,780 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5621% | 293 |
| Cost of funding earning assets | 0.5907% | 1,918 |
| Net interest margin | 4.9714% | 317 |
| Noninterest income to average assets | 1.2969% | 724 |
| Noninterest expense to average assets | 4.6665% | 395 |
| Loan and lease loss provision to assets | 0.1902% | 1,276 |
| Net operating income to assets | 0.3922% | 5,274 |
| Return on assets (ROA) | 0.4031% | 5,315 |
| Pretax return on assets | 0.6503% | 4,870 |
| Return on Equity (ROE) | 2.8710% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.8710% | 4,556 |
| Net charge-offs to loans | 0.2364% | 1,632 |
| Credit loss provision to net charge-offs | 112.3596% | 2,016 |
| Earnings coverage of net charge-offs (x) | 4.8653% | 3,364 |
| Efficiency ratio | 85.0017% | 1,285 |
| Assets per employee ($millions) | 2.6604% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 5,183 |
| Loan loss allowance to noncurrent loans | 50.9804% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 3.9938% | 495 |
| Noncurrent loans to loans | 1.9764% | 1,614 |
| Net loans and leases to total assets | 72.0150% | 1,848 |
| Net loans and leases to deposits | 89.5888% | 1,468 |
| Net loans and leases to core deposits | 112.3411% | 647 |
| Total domestic deposits to total assets | 80.3839% | 4,989 |
| Equity capital to assets | 13.3937% | 1,232 |
| Core capital (leverage) ratio | 13.4761% | 1,003 |
| Tier 1 risk-based capital ratio | 18.2831% | 2,120 |
| Total risk-based capital ratio | 19.2808% | 2,156 |
| Memoranda: | ||
| Average total assets | $70,114,750 | 5,340 |
| Average earning assets | $59,136,750 | 5,481 |
| Average equity | $9,845,250 | 4,820 |
| Average total loans | $50,191,000 | 4,857 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4969% | 310 |
| Cost of funding earning assets | 0.5892% | 1,985 |
| Net interest margin | 4.9077% | 343 |
| Noninterest income to average assets | 1.1769% | 846 |
| Noninterest expense to average assets | 4.7337% | 375 |
| Loan and lease loss provision to assets | 0.2039% | 1,176 |
| Net operating income to assets | 0.2254% | 5,769 |
| Return on assets (ROA) | 0.2272% | 5,830 |
| Pretax return on assets | 0.3670% | 5,647 |
| Return on Equity (ROE) | 1.5916% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.5916% | 5,105 |
| Net charge-offs to loans | 0.0491% | 3,265 |
| Credit loss provision to net charge-offs | 583.3333% | 520 |
| Earnings coverage of net charge-offs (x) | 16.2500% | 1,808 |
| Efficiency ratio | 89.2857% | 968 |
| Assets per employee ($millions) | 2.7649% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 4,603 |
| Loan loss allowance to noncurrent loans | 37.5792% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 4.8687% | 377 |
| Noncurrent loans to loans | 3.0938% | 922 |
| Net loans and leases to total assets | 70.1258% | 2,062 |
| Net loans and leases to deposits | 87.7570% | 1,620 |
| Net loans and leases to core deposits | 111.1915% | 639 |
| Total domestic deposits to total assets | 79.9090% | 5,262 |
| Equity capital to assets | 13.7116% | 1,078 |
| Core capital (leverage) ratio | 14.0583% | 813 |
| Tier 1 risk-based capital ratio | 19.0077% | 1,922 |
| Total risk-based capital ratio | 20.1494% | 1,911 |
| Memoranda: | ||
| Average total assets | $68,656,330 | 5,433 |
| Average earning assets | $57,705,670 | 5,568 |
| Average equity | $9,801,330 | 4,846 |
| Average total loans | $48,858,000 | 4,935 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 306 |
| Cost of funding earning assets | 0.5677% | 2,261 |
| Net interest margin | 4.8966% | 321 |
| Noninterest income to average assets | 1.1814% | 800 |
| Noninterest expense to average assets | 4.8389% | 347 |
| Loan and lease loss provision to assets | 0.1492% | 1,631 |
| Net operating income to assets | 0.1931% | 5,819 |
| Return on assets (ROA) | 0.1969% | 5,857 |
| Pretax return on assets | 0.3162% | 5,675 |
| Return on Equity (ROE) | 1.3506% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.3506% | 5,072 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3288% | 921 |
| Assets per employee ($millions) | 2.5715% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 4,731 |
| Loan loss allowance to noncurrent loans | 34.0000% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 5.4173% | 359 |
| Noncurrent loans to loans | 3.4738% | 848 |
| Net loans and leases to total assets | 70.2034% | 1,853 |
| Net loans and leases to deposits | 83.1217% | 1,933 |
| Net loans and leases to core deposits | 96.2456% | 1,369 |
| Total domestic deposits to total assets | 84.4586% | 4,097 |
| Equity capital to assets | 14.6485% | 753 |
| Core capital (leverage) ratio | 14.7774% | 629 |
| Tier 1 risk-based capital ratio | 19.9173% | 1,744 |
| Total risk-based capital ratio | 21.0542% | 1,736 |
| Memoranda: | ||
| Average total assets | $67,040,500 | 5,531 |
| Average earning assets | $56,366,000 | 5,651 |
| Average equity | $9,773,500 | 4,878 |
| Average total loans | $47,784,500 | 5,019 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 306 |
| Cost of funding earning assets | 0.7152% | 1,708 |
| Net interest margin | 4.8995% | 361 |
| Noninterest income to average assets | 1.0642% | 1,245 |
| Noninterest expense to average assets | 4.7483% | 425 |
| Loan and lease loss provision to assets | 0.3401% | 938 |
| Net operating income to assets | 0.0450% | 6,140 |
| Return on assets (ROA) | 0.0695% | 6,147 |
| Pretax return on assets | 0.0862% | 6,109 |
| Return on Equity (ROE) | 0.4687% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.4687% | 5,632 |
| Net charge-offs to loans | 0.7936% | 794 |
| Credit loss provision to net charge-offs | 61.1413% | 3,524 |
| Earnings coverage of net charge-offs (x) | 0.7120% | 4,851 |
| Efficiency ratio | 92.3009% | 855 |
| Assets per employee ($millions) | 2.5854% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,074 |
| Loan loss allowance to noncurrent loans | 27.9749% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 5.5444% | 382 |
| Noncurrent loans to loans | 3.9859% | 730 |
| Net loans and leases to total assets | 70.7130% | 1,898 |
| Net loans and leases to deposits | 84.6856% | 1,838 |
| Net loans and leases to core deposits | 99.4310% | 1,199 |
| Total domestic deposits to total assets | 83.5007% | 4,362 |
| Equity capital to assets | 14.5089% | 782 |
| Core capital (leverage) ratio | 14.7202% | 641 |
| Tier 1 risk-based capital ratio | 19.9369% | 1,670 |
| Total risk-based capital ratio | 21.0279% | 1,676 |
| Memoranda: | ||
| Average total assets | $66,150,600 | 5,590 |
| Average earning assets | $55,087,400 | 5,730 |
| Average equity | $9,815,400 | 4,892 |
| Average total loans | $46,371,200 | 5,097 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 316 |
| Cost of funding earning assets | 0.7306% | 1,735 |
| Net interest margin | 4.8829% | 378 |
| Noninterest income to average assets | 1.3802% | 765 |
| Noninterest expense to average assets | 4.7922% | 395 |
| Loan and lease loss provision to assets | 0.0911% | 3,247 |
| Net operating income to assets | 0.3424% | 5,455 |
| Return on assets (ROA) | 0.3683% | 5,511 |
| Pretax return on assets | 0.5950% | 5,030 |
| Return on Equity (ROE) | 2.4683% | 5,798 |
| Retained earnings to average equity (ytd only) | 2.4683% | 4,848 |
| Net charge-offs to loans | 0.6558% | 932 |
| Credit loss provision to net charge-offs | 19.9115% | 4,079 |
| Earnings coverage of net charge-offs (x) | 1.4115% | 4,365 |
| Efficiency ratio | 88.1280% | 1,160 |
| Assets per employee ($millions) | 2.2918% | 6,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,502 |
| Loan loss allowance to noncurrent loans | 25.9666% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 6.1448% | 381 |
| Noncurrent loans to loans | 4.0657% | 849 |
| Net loans and leases to total assets | 70.0841% | 1,952 |
| Net loans and leases to deposits | 83.1994% | 1,977 |
| Net loans and leases to core deposits | 97.6766% | 1,265 |
| Total domestic deposits to total assets | 84.2363% | 4,093 |
| Equity capital to assets | 14.8970% | 731 |
| Core capital (leverage) ratio | 14.9614% | 650 |
| Tier 1 risk-based capital ratio | 20.3508% | 1,642 |
| Total risk-based capital ratio | 21.3692% | 1,678 |
| Memoranda: | ||
| Average total assets | $65,883,000 | 5,654 |
| Average earning assets | $54,747,250 | 5,805 |
| Average equity | $9,831,000 | 4,945 |
| Average total loans | $45,946,500 | 5,164 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 328 |
| Cost of funding earning assets | 0.7558% | 1,667 |
| Net interest margin | 4.8321% | 414 |
| Noninterest income to average assets | 1.3670% | 840 |
| Noninterest expense to average assets | 4.7618% | 423 |
| Loan and lease loss provision to assets | 0.0457% | 4,054 |
| Net operating income to assets | 0.3538% | 5,390 |
| Return on assets (ROA) | 0.3928% | 5,406 |
| Pretax return on assets | 0.6302% | 4,908 |
| Return on Equity (ROE) | 2.6306% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.6306% | 4,631 |
| Net charge-offs to loans | 0.5442% | 1,212 |
| Credit loss provision to net charge-offs | 12.0968% | 3,869 |
| Earnings coverage of net charge-offs (x) | 1.6290% | 3,980 |
| Efficiency ratio | 88.5617% | 1,163 |
| Assets per employee ($millions) | 2.3231% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,816 |
| Loan loss allowance to noncurrent loans | 28.1962% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 6.7320% | 355 |
| Noncurrent loans to loans | 4.3763% | 818 |
| Net loans and leases to total assets | 70.0145% | 1,878 |
| Net loans and leases to deposits | 84.1814% | 1,778 |
| Net loans and leases to core deposits | 95.3640% | 1,415 |
| Total domestic deposits to total assets | 83.1709% | 4,636 |
| Equity capital to assets | 15.1196% | 691 |
| Core capital (leverage) ratio | 15.1212% | 592 |
| Tier 1 risk-based capital ratio | 20.7871% | 1,546 |
| Total risk-based capital ratio | 21.9846% | 1,529 |
| Memoranda: | ||
| Average total assets | $65,689,670 | 5,700 |
| Average earning assets | $54,510,670 | 5,845 |
| Average equity | $9,807,670 | 4,986 |
| Average total loans | $45,569,670 | 5,205 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 403 |
| Cost of funding earning assets | 0.7656% | 1,743 |
| Net interest margin | 4.6738% | 497 |
| Noninterest income to average assets | 1.6058% | 606 |
| Noninterest expense to average assets | 4.8053% | 424 |
| Loan and lease loss provision to assets | 0.0909% | 3,145 |
| Net operating income to assets | 0.3648% | 5,283 |
| Return on assets (ROA) | 0.4424% | 5,111 |
| Pretax return on assets | 0.7150% | 4,509 |
| Return on Equity (ROE) | 2.9814% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.9814% | 4,495 |
| Net charge-offs to loans | 0.2031% | 2,202 |
| Credit loss provision to net charge-offs | 65.2174% | 2,355 |
| Earnings coverage of net charge-offs (x) | 4.9130% | 2,450 |
| Efficiency ratio | 87.5276% | 1,371 |
| Assets per employee ($millions) | 2.3635% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 3,669 |
| Loan loss allowance to noncurrent loans | 29.3473% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 6.7380% | 428 |
| Noncurrent loans to loans | 5.2358% | 721 |
| Net loans and leases to total assets | 64.8775% | 2,557 |
| Net loans and leases to deposits | 76.8986% | 2,502 |
| Net loans and leases to core deposits | 87.9039% | 1,920 |
| Total domestic deposits to total assets | 84.3677% | 4,325 |
| Equity capital to assets | 14.8405% | 795 |
| Core capital (leverage) ratio | 14.9146% | 603 |
| Tier 1 risk-based capital ratio | 21.3805% | 1,453 |
| Total risk-based capital ratio | 22.6322% | 1,425 |
| Memoranda: | ||
| Average total assets | $66,010,500 | 5,737 |
| Average earning assets | $54,859,000 | 5,876 |
| Average equity | $9,794,000 | 5,037 |
| Average total loans | $45,298,500 | 5,240 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 323 |
| Cost of funding earning assets | 1.0388% | 1,171 |
| Net interest margin | 4.8411% | 506 |
| Noninterest income to average assets | 5.0167% | 145 |
| Noninterest expense to average assets | 5.1650% | 341 |
| Loan and lease loss provision to assets | 0.1196% | 4,128 |
| Net operating income to assets | 2.3948% | 178 |
| Return on assets (ROA) | 2.3948% | 196 |
| Pretax return on assets | 3.8163% | 84 |
| Return on Equity (ROE) | 20.9852% | 261 |
| Retained earnings to average equity (ytd only) | 13.6514% | 218 |
| Net charge-offs to loans | 0.7610% | 1,538 |
| Credit loss provision to net charge-offs | 21.6450% | 5,265 |
| Earnings coverage of net charge-offs (x) | 7.1255% | 2,673 |
| Efficiency ratio | 56.7525% | 5,975 |
| Assets per employee ($millions) | 2.3516% | 6,745 |
| Cash dividends to net income (ytd only)* | 34.9476% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 3,970 |
| Loan loss allowance to noncurrent loans | 49.9632% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 5.7864% | 618 |
| Noncurrent loans to loans | 2.8877% | 1,812 |
| Net loans and leases to total assets | 70.3405% | 1,773 |
| Net loans and leases to deposits | 84.5288% | 1,693 |
| Net loans and leases to core deposits | 96.8305% | 1,241 |
| Total domestic deposits to total assets | 83.2149% | 4,634 |
| Equity capital to assets | 14.8335% | 781 |
| Core capital (leverage) ratio | 14.8272% | 601 |
| Tier 1 risk-based capital ratio | 20.2762% | 1,614 |
| Total risk-based capital ratio | 21.5283% | 1,577 |
| Memoranda: | ||
| Average total assets | $83,640,400 | 5,257 |
| Average earning assets | $70,562,600 | 5,407 |
| Average equity | $9,544,800 | 5,090 |
| Average total loans | $60,706,800 | 4,683 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0013% | 280 |
| Cost of funding earning assets | 1.1119% | 1,018 |
| Net interest margin | 4.8893% | 484 |
| Noninterest income to average assets | 6.2026% | 108 |
| Noninterest expense to average assets | 5.1810% | 328 |
| Loan and lease loss provision to assets | 0.1514% | 3,649 |
| Net operating income to assets | 3.1059% | 101 |
| Return on assets (ROA) | 3.1059% | 107 |
| Pretax return on assets | 5.0099% | 61 |
| Return on Equity (ROE) | 28.8319% | 87 |
| Retained earnings to average equity (ytd only) | 28.8319% | 36 |
| Net charge-offs to loans | 0.5738% | 1,903 |
| Credit loss provision to net charge-offs | 36.2319% | 4,696 |
| Earnings coverage of net charge-offs (x) | 12.3551% | 2,008 |
| Efficiency ratio | 50.0951% | 6,586 |
| Assets per employee ($millions) | 2.3305% | 6,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 3,222 |
| Loan loss allowance to noncurrent loans | 31.7764% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 6.9379% | 523 |
| Noncurrent loans to loans | 5.2791% | 830 |
| Net loans and leases to total assets | 74.9293% | 1,120 |
| Net loans and leases to deposits | 93.1774% | 855 |
| Net loans and leases to core deposits | 106.1901% | 729 |
| Total domestic deposits to total assets | 80.4158% | 5,544 |
| Equity capital to assets | 15.5745% | 691 |
| Core capital (leverage) ratio | 15.9246% | 487 |
| Tier 1 risk-based capital ratio | 20.8978% | 1,547 |
| Total risk-based capital ratio | 22.1539% | 1,513 |
| Memoranda: | ||
| Average total assets | $88,089,500 | 5,188 |
| Average earning assets | $74,582,500 | 5,345 |
| Average equity | $9,489,250 | 5,155 |
| Average total loans | $64,135,250 | 4,617 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3100% | 185 |
| Cost of funding earning assets | 1.2715% | 595 |
| Net interest margin | 5.0385% | 377 |
| Noninterest income to average assets | 8.2466% | 87 |
| Noninterest expense to average assets | 5.3158% | 307 |
| Loan and lease loss provision to assets | 0.2107% | 2,974 |
| Net operating income to assets | 4.3319% | 55 |
| Return on assets (ROA) | 4.3319% | 57 |
| Pretax return on assets | 6.9866% | 45 |
| Return on Equity (ROE) | 44.9710% | 28 |
| Retained earnings to average equity (ytd only) | 44.9710% | 17 |
| Net charge-offs to loans | 0.6379% | 1,721 |
| Credit loss provision to net charge-offs | 45.8716% | 4,130 |
| Earnings coverage of net charge-offs (x) | 15.6697% | 1,637 |
| Efficiency ratio | 42.4819% | 7,006 |
| Assets per employee ($millions) | 1.5918% | 7,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9616% | 2,335 |
| Loan loss allowance to noncurrent loans | 45.0856% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 6.7990% | 589 |
| Noncurrent loans to loans | 4.3509% | 1,234 |
| Net loans and leases to total assets | 72.3720% | 1,499 |
| Net loans and leases to deposits | 90.1109% | 1,138 |
| Net loans and leases to core deposits | 104.0063% | 855 |
| Total domestic deposits to total assets | 80.3144% | 5,660 |
| Equity capital to assets | 16.5146% | 506 |
| Core capital (leverage) ratio | 10.4377% | 2,873 |
| Tier 1 risk-based capital ratio | 22.4493% | 1,206 |
| Total risk-based capital ratio | 23.7083% | 1,188 |
| Memoranda: | ||
| Average total assets | $94,924,330 | 5,037 |
| Average earning assets | $80,380,330 | 5,197 |
| Average equity | $9,143,670 | 5,230 |
| Average total loans | $68,345,330 | 4,477 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 602 |
| Cost of funding earning assets | 1.1953% | 1,011 |
| Net interest margin | 4.4239% | 1,177 |
| Noninterest income to average assets | 0.9263% | 1,640 |
| Noninterest expense to average assets | 4.2514% | 698 |
| Loan and lease loss provision to assets | 0.3618% | 1,748 |
| Net operating income to assets | 0.0470% | 6,336 |
| Return on assets (ROA) | 0.0470% | 6,453 |
| Pretax return on assets | 0.0760% | 6,418 |
| Return on Equity (ROE) | 0.6148% | 6,418 |
| Retained earnings to average equity (ytd only) | 0.6148% | 5,810 |
| Net charge-offs to loans | 0.0456% | 4,064 |
| Credit loss provision to net charge-offs | 1,111.1111% | 314 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,539 |
| Efficiency ratio | 90.6636% | 1,041 |
| Assets per employee ($millions) | 2.7161% | 6,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 4,483 |
| Loan loss allowance to noncurrent loans | 43.2505% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 4.3643% | 1,234 |
| Noncurrent loans to loans | 3.3004% | 1,930 |
| Net loans and leases to total assets | 70.1353% | 1,732 |
| Net loans and leases to deposits | 76.4522% | 2,735 |
| Net loans and leases to core deposits | 83.1863% | 2,659 |
| Total domestic deposits to total assets | 91.7375% | 319 |
| Equity capital to assets | 7.6060% | 6,737 |
| Core capital (leverage) ratio | 7.6685% | 6,511 |
| Tier 1 risk-based capital ratio | 10.8755% | 6,589 |
| Total risk-based capital ratio | 12.1278% | 6,577 |
| Memoranda: | ||
| Average total assets | $110,551,000 | 4,694 |
| Average earning assets | $94,034,500 | 4,851 |
| Average equity | $8,458,000 | 5,446 |
| Average total loans | $79,017,000 | 4,150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8456% | 582 |
| Cost of funding earning assets | 1.4112% | 991 |
| Net interest margin | 4.4344% | 1,304 |
| Noninterest income to average assets | 1.0234% | 1,299 |
| Noninterest expense to average assets | 3.9240% | 1,148 |
| Loan and lease loss provision to assets | 0.2769% | 3,452 |
| Net operating income to assets | 0.4313% | 4,732 |
| Return on assets (ROA) | 0.5122% | 4,579 |
| Pretax return on assets | 0.8029% | 3,971 |
| Return on Equity (ROE) | 6.8239% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.8239% | 1,584 |
| Net charge-offs to loans | 0.5960% | 2,663 |
| Credit loss provision to net charge-offs | 63.5593% | 5,069 |
| Earnings coverage of net charge-offs (x) | 2.1886% | 4,146 |
| Efficiency ratio | 80.4541% | 2,245 |
| Assets per employee ($millions) | 2.6767% | 6,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,804 |
| Loan loss allowance to noncurrent loans | 40.3257% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 4.1442% | 1,373 |
| Noncurrent loans to loans | 3.2728% | 1,980 |
| Net loans and leases to total assets | 70.8574% | 1,854 |
| Net loans and leases to deposits | 77.3141% | 2,955 |
| Net loans and leases to core deposits | 83.9353% | 2,902 |
| Total domestic deposits to total assets | 91.6487% | 293 |
| Equity capital to assets | 7.6962% | 6,727 |
| Core capital (leverage) ratio | 7.7793% | 6,460 |
| Tier 1 risk-based capital ratio | 10.8857% | 6,513 |
| Total risk-based capital ratio | 12.1373% | 6,491 |
| Memoranda: | ||
| Average total assets | $108,359,600 | 4,682 |
| Average earning assets | $94,173,800 | 4,807 |
| Average equity | $8,133,200 | 5,530 |
| Average total loans | $79,194,200 | 4,165 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8321% | 657 |
| Cost of funding earning assets | 1.4531% | 1,015 |
| Net interest margin | 4.3790% | 1,462 |
| Noninterest income to average assets | 0.9270% | 1,558 |
| Noninterest expense to average assets | 3.8994% | 1,158 |
| Loan and lease loss provision to assets | 0.3086% | 3,057 |
| Net operating income to assets | 0.3371% | 5,265 |
| Return on assets (ROA) | 0.3987% | 5,192 |
| Pretax return on assets | 0.6431% | 4,674 |
| Return on Equity (ROE) | 5.3465% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.3465% | 2,950 |
| Net charge-offs to loans | 0.5280% | 2,647 |
| Credit loss provision to net charge-offs | 79.6178% | 4,150 |
| Earnings coverage of net charge-offs (x) | 2.2070% | 4,024 |
| Efficiency ratio | 82.0093% | 1,971 |
| Assets per employee ($millions) | 2.5823% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 4,386 |
| Loan loss allowance to noncurrent loans | 43.1093% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 4.0726% | 1,503 |
| Noncurrent loans to loans | 3.3343% | 2,068 |
| Net loans and leases to total assets | 72.5818% | 1,591 |
| Net loans and leases to deposits | 79.1156% | 2,793 |
| Net loans and leases to core deposits | 84.6552% | 2,963 |
| Total domestic deposits to total assets | 91.7414% | 252 |
| Equity capital to assets | 7.6104% | 6,888 |
| Core capital (leverage) ratio | 7.6608% | 6,665 |
| Tier 1 risk-based capital ratio | 10.8006% | 6,664 |
| Total risk-based capital ratio | 12.0539% | 6,641 |
| Memoranda: | ||
| Average total assets | $108,013,750 | 4,715 |
| Average earning assets | $94,417,500 | 4,837 |
| Average equity | $8,055,000 | 5,581 |
| Average total loans | $79,292,500 | 4,197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8285% | 677 |
| Cost of funding earning assets | 1.5091% | 978 |
| Net interest margin | 4.3195% | 1,601 |
| Noninterest income to average assets | 0.9475% | 1,473 |
| Noninterest expense to average assets | 4.0235% | 1,013 |
| Loan and lease loss provision to assets | 0.3337% | 2,779 |
| Net operating income to assets | 0.2281% | 5,635 |
| Return on assets (ROA) | 0.2281% | 5,752 |
| Pretax return on assets | 0.3690% | 5,485 |
| Return on Equity (ROE) | 3.0794% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.0794% | 4,312 |
| Net charge-offs to loans | 0.7788% | 1,946 |
| Credit loss provision to net charge-offs | 58.4416% | 4,380 |
| Earnings coverage of net charge-offs (x) | 1.2305% | 4,366 |
| Efficiency ratio | 85.1314% | 1,689 |
| Assets per employee ($millions) | 2.5300% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,633 |
| Loan loss allowance to noncurrent loans | 62.1916% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.0058% | 2,233 |
| Noncurrent loans to loans | 2.2309% | 3,185 |
| Net loans and leases to total assets | 72.5054% | 1,685 |
| Net loans and leases to deposits | 79.0197% | 2,961 |
| Net loans and leases to core deposits | 85.2975% | 3,032 |
| Total domestic deposits to total assets | 91.7561% | 291 |
| Equity capital to assets | 7.6067% | 6,899 |
| Core capital (leverage) ratio | 7.4426% | 6,780 |
| Tier 1 risk-based capital ratio | 10.7232% | 6,700 |
| Total risk-based capital ratio | 11.9756% | 6,683 |
| Memoranda: | ||
| Average total assets | $107,866,000 | 4,762 |
| Average earning assets | $94,363,670 | 4,871 |
| Average equity | $7,988,670 | 5,611 |
| Average total loans | $79,100,670 | 4,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7309% | 831 |
| Cost of funding earning assets | 1.5675% | 925 |
| Net interest margin | 4.1634% | 2,017 |
| Noninterest income to average assets | 1.0343% | 1,229 |
| Noninterest expense to average assets | 3.8871% | 1,193 |
| Loan and lease loss provision to assets | 0.0736% | 5,081 |
| Net operating income to assets | 0.4601% | 4,660 |
| Return on assets (ROA) | 0.4601% | 4,746 |
| Pretax return on assets | 0.7399% | 4,145 |
| Return on Equity (ROE) | 6.2960% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.2960% | 2,464 |
| Net charge-offs to loans | 0.1809% | 3,406 |
| Credit loss provision to net charge-offs | 55.5556% | 3,635 |
| Earnings coverage of net charge-offs (x) | 6.1389% | 2,150 |
| Efficiency ratio | 82.6938% | 2,125 |
| Assets per employee ($millions) | 2.5771% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5243% | 4,091 |
| Loan loss allowance to noncurrent loans | 49.0164% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.2816% | 2,089 |
| Noncurrent loans to loans | 3.1098% | 2,410 |
| Net loans and leases to total assets | 71.3840% | 1,842 |
| Net loans and leases to deposits | 77.6122% | 3,134 |
| Net loans and leases to core deposits | 84.0478% | 3,154 |
| Total domestic deposits to total assets | 91.9752% | 296 |
| Equity capital to assets | 7.4021% | 6,922 |
| Core capital (leverage) ratio | 7.2586% | 6,886 |
| Tier 1 risk-based capital ratio | 10.6726% | 6,708 |
| Total risk-based capital ratio | 11.9269% | 6,691 |
| Memoranda: | ||
| Average total assets | $108,668,500 | 4,772 |
| Average earning assets | $95,692,000 | 4,858 |
| Average equity | $7,941,500 | 5,628 |
| Average total loans | $79,586,500 | 4,266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1445% | 641 |
| Cost of funding earning assets | 1.8572% | 976 |
| Net interest margin | 4.2873% | 1,867 |
| Noninterest income to average assets | 1.0461% | 1,368 |
| Noninterest expense to average assets | 4.0558% | 1,083 |
| Loan and lease loss provision to assets | 0.2486% | 4,811 |
| Net operating income to assets | 0.3003% | 4,939 |
| Return on assets (ROA) | 0.3771% | 4,796 |
| Pretax return on assets | 0.6108% | 4,284 |
| Return on Equity (ROE) | 5.2166% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.9189% | 3,113 |
| Net charge-offs to loans | 0.2673% | 4,694 |
| Credit loss provision to net charge-offs | 122.6852% | 3,406 |
| Earnings coverage of net charge-offs (x) | 3.6481% | 3,256 |
| Efficiency ratio | 84.5823% | 1,852 |
| Assets per employee ($millions) | 2.5975% | 6,862 |
| Cash dividends to net income (ytd only)* | 24.8756% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 4,000 |
| Loan loss allowance to noncurrent loans | 47.0862% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 3.2851% | 2,147 |
| Noncurrent loans to loans | 3.1892% | 2,388 |
| Net loans and leases to total assets | 72.8700% | 1,907 |
| Net loans and leases to deposits | 79.2107% | 3,304 |
| Net loans and leases to core deposits | 85.1988% | 3,441 |
| Total domestic deposits to total assets | 91.9952% | 285 |
| Equity capital to assets | 7.2147% | 7,032 |
| Core capital (leverage) ratio | 7.1863% | 6,919 |
| Tier 1 risk-based capital ratio | 10.3274% | 6,809 |
| Total risk-based capital ratio | 11.5813% | 6,781 |
| Memoranda: | ||
| Average total assets | $106,589,400 | 4,811 |
| Average earning assets | $93,206,000 | 4,910 |
| Average equity | $7,706,200 | 5,804 |
| Average total loans | $80,813,600 | 4,318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1859% | 634 |
| Cost of funding earning assets | 1.9086% | 1,007 |
| Net interest margin | 4.2774% | 1,924 |
| Noninterest income to average assets | 0.9978% | 1,469 |
| Noninterest expense to average assets | 3.9699% | 1,079 |
| Loan and lease loss provision to assets | 0.3209% | 4,020 |
| Net operating income to assets | 0.2820% | 5,234 |
| Return on assets (ROA) | 0.3876% | 4,988 |
| Pretax return on assets | 0.6002% | 4,592 |
| Return on Equity (ROE) | 5.3576% | 4,105 |
| Retained earnings to average equity (ytd only) | 3.6181% | 3,899 |
| Net charge-offs to loans | 0.2375% | 4,520 |
| Credit loss provision to net charge-offs | 177.0833% | 2,079 |
| Earnings coverage of net charge-offs (x) | 4.1874% | 3,158 |
| Efficiency ratio | 83.9542% | 1,845 |
| Assets per employee ($millions) | 2.5255% | 7,054 |
| Cash dividends to net income (ytd only)* | 32.4672% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5717% | 3,651 |
| Loan loss allowance to noncurrent loans | 56.6474% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 3.0729% | 2,359 |
| Noncurrent loans to loans | 2.7746% | 2,865 |
| Net loans and leases to total assets | 73.4693% | 1,919 |
| Net loans and leases to deposits | 79.9535% | 3,461 |
| Net loans and leases to core deposits | 86.4371% | 3,589 |
| Total domestic deposits to total assets | 91.8901% | 209 |
| Equity capital to assets | 7.1836% | 7,275 |
| Core capital (leverage) ratio | 7.0020% | 7,167 |
| Tier 1 risk-based capital ratio | 10.1529% | 6,982 |
| Total risk-based capital ratio | 11.4083% | 6,959 |
| Memoranda: | ||
| Average total assets | $105,962,500 | 4,888 |
| Average earning assets | $92,422,250 | 4,998 |
| Average equity | $7,665,000 | 5,893 |
| Average total loans | $80,839,250 | 4,392 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1394% | 698 |
| Cost of funding earning assets | 1.9118% | 1,194 |
| Net interest margin | 4.2276% | 2,060 |
| Noninterest income to average assets | 1.1667% | 942 |
| Noninterest expense to average assets | 4.2404% | 771 |
| Loan and lease loss provision to assets | 0.4473% | 3,084 |
| Net operating income to assets | 0.1118% | 5,829 |
| Return on assets (ROA) | 0.1618% | 5,806 |
| Pretax return on assets | 0.2607% | 5,624 |
| Return on Equity (ROE) | 2.2311% | 5,561 |
| Retained earnings to average equity (ytd only) | -0.3937% | 5,818 |
| Net charge-offs to loans | 0.2897% | 3,886 |
| Credit loss provision to net charge-offs | 200.8547% | 1,950 |
| Earnings coverage of net charge-offs (x) | 2.8291% | 3,573 |
| Efficiency ratio | 87.0653% | 1,597 |
| Assets per employee ($millions) | 2.5027% | 7,098 |
| Cash dividends to net income (ytd only)* | 117.6471% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 3,535 |
| Loan loss allowance to noncurrent loans | 55.1442% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 3.6872% | 1,898 |
| Noncurrent loans to loans | 2.8651% | 2,790 |
| Net loans and leases to total assets | 74.1504% | 1,877 |
| Net loans and leases to deposits | 80.4965% | 3,517 |
| Net loans and leases to core deposits | 86.7887% | 3,728 |
| Total domestic deposits to total assets | 92.1163% | 202 |
| Equity capital to assets | 7.0799% | 7,317 |
| Core capital (leverage) ratio | 7.1641% | 7,092 |
| Tier 1 risk-based capital ratio | 9.5689% | 7,233 |
| Total risk-based capital ratio | 10.8236% | 7,235 |
| Memoranda: | ||
| Average total assets | $105,085,000 | 4,941 |
| Average earning assets | $92,060,670 | 5,039 |
| Average equity | $7,619,670 | 5,919 |
| Average total loans | $80,766,330 | 4,425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2188% | 617 |
| Cost of funding earning assets | 1.9423% | 1,276 |
| Net interest margin | 4.2765% | 1,765 |
| Noninterest income to average assets | 1.1019% | 1,039 |
| Noninterest expense to average assets | 3.8682% | 1,218 |
| Loan and lease loss provision to assets | 0.4623% | 2,655 |
| Net operating income to assets | 0.3198% | 5,208 |
| Return on assets (ROA) | 0.3198% | 5,342 |
| Pretax return on assets | 0.5124% | 4,919 |
| Return on Equity (ROE) | 4.3570% | 4,731 |
| Retained earnings to average equity (ytd only) | -0.8924% | 6,025 |
| Net charge-offs to loans | -0.0943% | 7,510 |
| Credit loss provision to net charge-offs | -631.5789% | 6,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8727% | 2,583 |
| Assets per employee ($millions) | 2.4265% | 7,301 |
| Cash dividends to net income (ytd only)* | 120.4819% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,394 |
| Loan loss allowance to noncurrent loans | 52.9699% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.5988% | 1,950 |
| Noncurrent loans to loans | 3.0406% | 2,639 |
| Net loans and leases to total assets | 76.2296% | 1,494 |
| Net loans and leases to deposits | 82.9618% | 3,110 |
| Net loans and leases to core deposits | 89.7517% | 3,394 |
| Total domestic deposits to total assets | 91.8852% | 267 |
| Equity capital to assets | 7.2915% | 7,219 |
| Core capital (leverage) ratio | 7.2181% | 7,094 |
| Tier 1 risk-based capital ratio | 9.5911% | 7,254 |
| Total risk-based capital ratio | 10.8465% | 7,250 |
| Memoranda: | ||
| Average total assets | $103,820,000 | 5,037 |
| Average earning assets | $90,821,000 | 5,139 |
| Average equity | $7,620,000 | 5,973 |
| Average total loans | $80,610,500 | 4,484 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6587% | 510 |
| Cost of funding earning assets | 2.2192% | 1,947 |
| Net interest margin | 4.4395% | 1,316 |
| Noninterest income to average assets | 1.0945% | 1,283 |
| Noninterest expense to average assets | 3.9516% | 1,435 |
| Loan and lease loss provision to assets | 0.7356% | 2,911 |
| Net operating income to assets | 0.2260% | 4,815 |
| Return on assets (ROA) | 0.2260% | 4,883 |
| Pretax return on assets | 0.2925% | 4,785 |
| Return on Equity (ROE) | 3.0212% | 4,487 |
| Retained earnings to average equity (ytd only) | 0.3710% | 4,697 |
| Net charge-offs to loans | 1.3735% | 1,825 |
| Credit loss provision to net charge-offs | 68.0734% | 6,525 |
| Earnings coverage of net charge-offs (x) | 0.9514% | 5,162 |
| Efficiency ratio | 79.3550% | 2,979 |
| Assets per employee ($millions) | 2.4023% | 7,349 |
| Cash dividends to net income (ytd only)* | 87.7193% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 3,997 |
| Loan loss allowance to noncurrent loans | 50.9417% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 3.4482% | 1,950 |
| Noncurrent loans to loans | 2.8402% | 2,711 |
| Net loans and leases to total assets | 76.6873% | 1,651 |
| Net loans and leases to deposits | 84.4425% | 3,191 |
| Net loans and leases to core deposits | 105.3781% | 3,409 |
| Total domestic deposits to total assets | 90.8161% | 608 |
| Equity capital to assets | 7.3882% | 7,131 |
| Core capital (leverage) ratio | 7.2126% | 7,057 |
| Tier 1 risk-based capital ratio | 9.6635% | 7,122 |
| Total risk-based capital ratio | 10.9167% | 7,093 |
| Memoranda: | ||
| Average total assets | $100,871,200 | 5,071 |
| Average earning assets | $88,275,600 | 5,181 |
| Average equity | $7,546,600 | 6,069 |
| Average total loans | $79,357,000 | 4,539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7259% | 485 |
| Cost of funding earning assets | 2.2871% | 2,032 |
| Net interest margin | 4.4388% | 1,344 |
| Noninterest income to average assets | 1.0997% | 1,315 |
| Noninterest expense to average assets | 3.7819% | 1,631 |
| Loan and lease loss provision to assets | 0.8670% | 2,215 |
| Net operating income to assets | 0.2061% | 5,131 |
| Return on assets (ROA) | 0.2061% | 5,218 |
| Pretax return on assets | 0.3324% | 4,972 |
| Return on Equity (ROE) | 2.7462% | 4,901 |
| Retained earnings to average equity (ytd only) | -0.7973% | 5,436 |
| Net charge-offs to loans | 1.2911% | 1,591 |
| Credit loss provision to net charge-offs | 85.1175% | 5,619 |
| Earnings coverage of net charge-offs (x) | 1.1775% | 4,883 |
| Efficiency ratio | 75.9210% | 3,529 |
| Assets per employee ($millions) | 2.2974% | 7,503 |
| Cash dividends to net income (ytd only)* | 129.0332% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7412% | 2,475 |
| Loan loss allowance to noncurrent loans | 51.3603% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 3.8827% | 1,652 |
| Noncurrent loans to loans | 3.3902% | 2,224 |
| Net loans and leases to total assets | 76.2568% | 1,941 |
| Net loans and leases to deposits | 83.9197% | 3,659 |
| Net loans and leases to core deposits | 105.8771% | 3,714 |
| Total domestic deposits to total assets | 90.8687% | 458 |
| Equity capital to assets | 7.3273% | 7,413 |
| Core capital (leverage) ratio | 7.1477% | 7,305 |
| Tier 1 risk-based capital ratio | 9.6469% | 7,280 |
| Total risk-based capital ratio | 10.9036% | 7,234 |
| Memoranda: | ||
| Average total assets | $100,264,000 | 5,118 |
| Average earning assets | $87,679,000 | 5,243 |
| Average equity | $7,525,250 | 6,139 |
| Average total loans | $79,101,000 | 4,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7706% | 476 |
| Cost of funding earning assets | 2.3319% | 2,229 |
| Net interest margin | 4.4387% | 1,316 |
| Noninterest income to average assets | 1.0905% | 1,344 |
| Noninterest expense to average assets | 3.8901% | 1,504 |
| Loan and lease loss provision to assets | 1.2094% | 1,424 |
| Net operating income to assets | -0.0705% | 5,957 |
| Return on assets (ROA) | -0.0705% | 6,022 |
| Pretax return on assets | -0.1149% | 6,008 |
| Return on Equity (ROE) | -0.9323% | 6,064 |
| Retained earnings to average equity (ytd only) | -6.2594% | 6,485 |
| Net charge-offs to loans | 1.9130% | 979 |
| Credit loss provision to net charge-offs | 79.6813% | 5,210 |
| Earnings coverage of net charge-offs (x) | 0.7211% | 4,999 |
| Efficiency ratio | 78.0429% | 3,340 |
| Assets per employee ($millions) | 2.2728% | 7,593 |
| Cash dividends to net income (ytd only)* | -571.4286% | 8,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 2,195 |
| Loan loss allowance to noncurrent loans | 65.7627% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 4.0370% | 1,456 |
| Noncurrent loans to loans | 2.6558% | 2,720 |
| Net loans and leases to total assets | 76.3942% | 2,083 |
| Net loans and leases to deposits | 85.1568% | 3,704 |
| Net loans and leases to core deposits | 106.8581% | 3,735 |
| Total domestic deposits to total assets | 89.7101% | 957 |
| Equity capital to assets | 7.3799% | 7,363 |
| Core capital (leverage) ratio | 7.2511% | 7,304 |
| Tier 1 risk-based capital ratio | 9.5698% | 7,334 |
| Total risk-based capital ratio | 10.8240% | 7,286 |
| Memoranda: | ||
| Average total assets | $99,225,000 | 5,185 |
| Average earning assets | $87,053,000 | 5,297 |
| Average equity | $7,508,670 | 6,180 |
| Average total loans | $78,724,000 | 4,625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8769% | 425 |
| Cost of funding earning assets | 2.3828% | 2,362 |
| Net interest margin | 4.4941% | 1,138 |
| Noninterest income to average assets | 1.1170% | 1,188 |
| Noninterest expense to average assets | 3.5371% | 2,013 |
| Loan and lease loss provision to assets | 1.0118% | 1,293 |
| Net operating income to assets | 0.3238% | 5,193 |
| Return on assets (ROA) | 0.3238% | 5,373 |
| Pretax return on assets | 0.5221% | 5,013 |
| Return on Equity (ROE) | 4.2255% | 4,829 |
| Retained earnings to average equity (ytd only) | -6.3383% | 6,724 |
| Net charge-offs to loans | 0.1515% | 3,749 |
| Credit loss provision to net charge-offs | 833.3333% | 724 |
| Earnings coverage of net charge-offs (x) | 12.6333% | 1,788 |
| Efficiency ratio | 69.7526% | 4,633 |
| Assets per employee ($millions) | 2.3625% | 7,509 |
| Cash dividends to net income (ytd only)* | 250.0000% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1922% | 1,095 |
| Loan loss allowance to noncurrent loans | 58.7576% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 4.6106% | 1,026 |
| Noncurrent loans to loans | 3.7309% | 1,665 |
| Net loans and leases to total assets | 77.8337% | 1,857 |
| Net loans and leases to deposits | 86.9133% | 3,493 |
| Net loans and leases to core deposits | 107.8027% | 3,711 |
| Total domestic deposits to total assets | 89.5532% | 989 |
| Equity capital to assets | 7.5615% | 7,298 |
| Core capital (leverage) ratio | 7.3128% | 7,367 |
| Tier 1 risk-based capital ratio | 9.6268% | 7,311 |
| Total risk-based capital ratio | 10.8884% | 7,234 |
| Memoranda: | ||
| Average total assets | $98,837,000 | 5,209 |
| Average earning assets | $86,958,000 | 5,319 |
| Average equity | $7,573,000 | 6,199 |
| Average total loans | $79,209,500 | 4,634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7253% | 267 |
| Cost of funding earning assets | 2.9798% | 1,938 |
| Net interest margin | 4.7455% | 877 |
| Noninterest income to average assets | 1.4310% | 702 |
| Noninterest expense to average assets | 3.9332% | 1,512 |
| Loan and lease loss provision to assets | 0.9145% | 1,628 |
| Net operating income to assets | 0.4542% | 4,934 |
| Return on assets (ROA) | 0.4542% | 4,762 |
| Pretax return on assets | 0.7075% | 4,373 |
| Return on Equity (ROE) | 6.0429% | 3,924 |
| Retained earnings to average equity (ytd only) | 1.3637% | 4,401 |
| Net charge-offs to loans | 0.9006% | 1,376 |
| Credit loss provision to net charge-offs | 128.8952% | 4,136 |
| Earnings coverage of net charge-offs (x) | 2.2861% | 4,935 |
| Efficiency ratio | 70.8032% | 4,178 |
| Assets per employee ($millions) | 2.2374% | 7,652 |
| Cash dividends to net income (ytd only)* | 77.4336% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 1,408 |
| Loan loss allowance to noncurrent loans | 37.1499% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 5.6376% | 563 |
| Noncurrent loans to loans | 5.1223% | 840 |
| Net loans and leases to total assets | 79.1736% | 1,842 |
| Net loans and leases to deposits | 88.0464% | 3,797 |
| Net loans and leases to core deposits | 108.8041% | 3,880 |
| Total domestic deposits to total assets | 89.9225% | 676 |
| Equity capital to assets | 7.7636% | 7,140 |
| Core capital (leverage) ratio | 7.5044% | 7,203 |
| Tier 1 risk-based capital ratio | 9.7369% | 7,036 |
| Total risk-based capital ratio | 10.9951% | 6,929 |
| Memoranda: | ||
| Average total assets | $99,512,200 | 5,064 |
| Average earning assets | $86,482,400 | 5,204 |
| Average equity | $7,479,800 | 6,284 |
| Average total loans | $78,391,600 | 4,577 |