Home > Great North Bank > Performance and Condition Ratios
Great North Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8733% | 746 |
| Cost of funding earning assets | 2.1417% | 710 |
| Net interest margin | 3.7316% | 1,695 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.8466% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7498% | 3,045 |
| Return on assets (ROA) | 0.8147% | 2,804 |
| Pretax return on assets | 0.9183% | 2,912 |
| Return on Equity (ROE) | 12.6200% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.4622% | 1,727 |
| Net charge-offs to loans | -0.0034% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.1014% | 1,149 |
| Assets per employee ($millions) | 6.4766% | 2,430 |
| Cash dividends to net income (ytd only)* | 40.8867% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 814 |
| Loan loss allowance to noncurrent loans | 130.2761% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 696 |
| Noncurrent loans to loans | 1.2376% | 576 |
| Net loans and leases to total assets | 54.1200% | 3,339 |
| Net loans and leases to deposits | 70.5337% | 2,845 |
| Net loans and leases to core deposits | 89.2952% | 2,100 |
| Total domestic deposits to total assets | 76.7200% | 3,870 |
| Equity capital to assets | 7.4670% | 3,739 |
| Core capital (leverage) ratio | 10.3160% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1991% | 1,046 |
| Memoranda: | ||
| Average total assets | $149,510,200 | 3,368 |
| Average earning assets | $134,848,200 | 3,392 |
| Average equity | $9,648,600 | 3,759 |
| Average total loans | $89,492,000 | 3,293 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 962 |
| Cost of funding earning assets | 1.9731% | 736 |
| Net interest margin | 3.5735% | 2,068 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.7923% | 1,448 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6199% | 3,493 |
| Return on assets (ROA) | 0.6290% | 3,469 |
| Pretax return on assets | 0.6789% | 3,591 |
| Return on Equity (ROE) | 10.1400% | 2,601 |
| Retained earnings to average equity (ytd only) | 2.9884% | 3,515 |
| Net charge-offs to loans | -0.0088% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.3016% | 906 |
| Assets per employee ($millions) | 6.6227% | 2,231 |
| Cash dividends to net income (ytd only)* | 70.5382% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 968 |
| Loan loss allowance to noncurrent loans | 40.4609% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 2.5106% | 95 |
| Noncurrent loans to loans | 3.8491% | 82 |
| Net loans and leases to total assets | 60.1700% | 2,826 |
| Net loans and leases to deposits | 77.1978% | 2,314 |
| Net loans and leases to core deposits | 97.2804% | 1,494 |
| Total domestic deposits to total assets | 77.9500% | 3,823 |
| Equity capital to assets | 6.0117% | 3,986 |
| Core capital (leverage) ratio | 9.8440% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3119% | 1,471 |
| Memoranda: | ||
| Average total assets | $149,647,250 | 3,373 |
| Average earning assets | $134,877,500 | 3,400 |
| Average equity | $9,280,000 | 3,791 |
| Average total loans | $91,381,500 | 3,275 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 877 |
| Cost of funding earning assets | 1.7896% | 750 |
| Net interest margin | 3.6774% | 1,857 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.8418% | 1,342 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6413% | 3,484 |
| Return on assets (ROA) | 0.6545% | 3,449 |
| Pretax return on assets | 0.7273% | 3,547 |
| Return on Equity (ROE) | 10.4500% | 2,572 |
| Retained earnings to average equity (ytd only) | -0.0846% | 4,113 |
| Net charge-offs to loans | -0.0109% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.4278% | 968 |
| Assets per employee ($millions) | 7.8481% | 1,387 |
| Cash dividends to net income (ytd only)* | 100.8097% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,245 |
| Loan loss allowance to noncurrent loans | 108.0671% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 415 |
| Noncurrent loans to loans | 1.3682% | 515 |
| Net loans and leases to total assets | 60.4600% | 2,730 |
| Net loans and leases to deposits | 78.4726% | 2,094 |
| Net loans and leases to core deposits | 98.1556% | 1,338 |
| Total domestic deposits to total assets | 77.0500% | 3,948 |
| Equity capital to assets | 6.3750% | 4,046 |
| Core capital (leverage) ratio | 9.5608% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8211% | 1,617 |
| Memoranda: | ||
| Average total assets | $150,963,000 | 3,369 |
| Average earning assets | $136,346,333 | 3,400 |
| Average equity | $9,453,667 | 3,803 |
| Average total loans | $92,155,667 | 3,269 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 1,015 |
| Cost of funding earning assets | 1.6456% | 636 |
| Net interest margin | 3.5071% | 2,343 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.7184% | 1,624 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6217% | 3,653 |
| Return on assets (ROA) | 0.6217% | 3,607 |
| Pretax return on assets | 0.6875% | 3,690 |
| Return on Equity (ROE) | 10.0100% | 2,783 |
| Retained earnings to average equity (ytd only) | 4.6248% | 3,109 |
| Net charge-offs to loans | -0.0087% | 3,807 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.8991% | 917 |
| Assets per employee ($millions) | 7.0969% | 1,900 |
| Cash dividends to net income (ytd only)* | 53.8136% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,275 |
| Loan loss allowance to noncurrent loans | 294.0426% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 641 |
| Noncurrent loans to loans | 0.5087% | 1,448 |
| Net loans and leases to total assets | 58.3000% | 2,842 |
| Net loans and leases to deposits | 72.8220% | 2,398 |
| Net loans and leases to core deposits | 94.2645% | 1,377 |
| Total domestic deposits to total assets | 80.0500% | 3,757 |
| Equity capital to assets | 6.2831% | 4,114 |
| Core capital (leverage) ratio | 9.6097% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4537% | 1,806 |
| Memoranda: | ||
| Average total assets | $151,852,500 | 3,408 |
| Average earning assets | $137,091,500 | 3,439 |
| Average equity | $9,427,500 | 3,849 |
| Average total loans | $92,480,000 | 3,297 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 617 |
| Cost of funding earning assets | 1.1636% | 80 |
| Net interest margin | 3.4331% | 2,144 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.6305% | 1,732 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6476% | 3,765 |
| Return on assets (ROA) | 0.6548% | 3,695 |
| Pretax return on assets | 0.7337% | 3,787 |
| Return on Equity (ROE) | 9.0100% | 3,130 |
| Retained earnings to average equity (ytd only) | 5.4935% | 2,829 |
| Net charge-offs to loans | 0.0315% | 1,440 |
| Credit loss provision to net charge-offs | 368.9655% | 806 |
| Earnings coverage of net charge-offs (x) | 41.1034% | 1,489 |
| Efficiency ratio | 76.7415% | 941 |
| Assets per employee ($millions) | 6.7079% | 2,180 |
| Cash dividends to net income (ytd only)* | 39.0194% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,280 |
| Loan loss allowance to noncurrent loans | 279.7131% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 561 |
| Noncurrent loans to loans | 0.5272% | 1,393 |
| Net loans and leases to total assets | 61.8000% | 2,459 |
| Net loans and leases to deposits | 77.7749% | 1,969 |
| Net loans and leases to core deposits | 93.5065% | 1,318 |
| Total domestic deposits to total assets | 79.4600% | 3,946 |
| Equity capital to assets | 6.1292% | 4,042 |
| Core capital (leverage) ratio | 9.8477% | 2,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4235% | 1,807 |
| Memoranda: | ||
| Average total assets | $149,517,600 | 3,447 |
| Average earning assets | $135,185,000 | 3,466 |
| Average equity | $10,867,400 | 3,775 |
| Average total loans | $92,153,400 | 3,263 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4401% | 541 |
| Cost of funding earning assets | 1.1034% | 38 |
| Net interest margin | 3.3367% | 2,180 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.7145% | 1,440 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5332% | 4,006 |
| Return on assets (ROA) | 0.5431% | 3,925 |
| Pretax return on assets | 0.5822% | 4,020 |
| Return on Equity (ROE) | 7.1900% | 3,552 |
| Retained earnings to average equity (ytd only) | 3.8269% | 3,504 |
| Net charge-offs to loans | 0.0116% | 1,685 |
| Credit loss provision to net charge-offs | 1,012.5000% | 402 |
| Earnings coverage of net charge-offs (x) | 90.5000% | 991 |
| Efficiency ratio | 80.8364% | 724 |
| Assets per employee ($millions) | 6.6290% | 2,217 |
| Cash dividends to net income (ytd only)* | 46.8085% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,389 |
| Loan loss allowance to noncurrent loans | 199.7063% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 561 |
| Noncurrent loans to loans | 0.7356% | 1,106 |
| Net loans and leases to total assets | 62.5500% | 2,230 |
| Net loans and leases to deposits | 76.1260% | 1,865 |
| Net loans and leases to core deposits | 90.4970% | 1,267 |
| Total domestic deposits to total assets | 82.1700% | 3,816 |
| Equity capital to assets | 5.7400% | 4,059 |
| Core capital (leverage) ratio | 9.3839% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1501% | 1,994 |
| Memoranda: | ||
| Average total assets | $150,003,750 | 3,467 |
| Average earning assets | $135,819,750 | 3,486 |
| Average equity | $11,323,000 | 3,776 |
| Average total loans | $92,051,750 | 3,267 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 652 |
| Cost of funding earning assets | 1.0628% | 29 |
| Net interest margin | 3.1272% | 2,448 |
| Noninterest income to average assets | 0.3633% | 2,970 |
| Noninterest expense to average assets | 2.6527% | 1,499 |
| Loan and lease loss provision to assets | 0.0740% | 1,306 |
| Net operating income to assets | 0.4641% | 3,978 |
| Return on assets (ROA) | 0.4782% | 3,902 |
| Pretax return on assets | 0.4928% | 4,011 |
| Return on Equity (ROE) | 5.8828% | 3,604 |
| Retained earnings to average equity (ytd only) | 2.7789% | 3,519 |
| Net charge-offs to loans | -0.0109% | 3,619 |
| Credit loss provision to net charge-offs | -1,120.0000% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7700% | 753 |
| Assets per employee ($millions) | 6.9410% | 1,978 |
| Cash dividends to net income (ytd only)* | 52.7624% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 1,664 |
| Loan loss allowance to noncurrent loans | 114.8211% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 371 |
| Noncurrent loans to loans | 1.2373% | 639 |
| Net loans and leases to total assets | 61.2563% | 2,192 |
| Net loans and leases to deposits | 74.7457% | 1,781 |
| Net loans and leases to core deposits | 91.6312% | 1,035 |
| Total domestic deposits to total assets | 81.9530% | 4,008 |
| Equity capital to assets | 6.4224% | 4,048 |
| Core capital (leverage) ratio | 9.3476% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7247% | 2,193 |
| Memoranda: | ||
| Average total assets | $151,392,667 | 3,484 |
| Average earning assets | $137,567,333 | 3,518 |
| Average equity | $12,307,000 | 3,758 |
| Average total loans | $91,875,333 | 3,301 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 787 |
| Cost of funding earning assets | 1.0227% | 34 |
| Net interest margin | 2.9698% | 2,598 |
| Noninterest income to average assets | 0.4060% | 2,645 |
| Noninterest expense to average assets | 2.7040% | 1,354 |
| Loan and lease loss provision to assets | 0.0637% | 1,270 |
| Net operating income to assets | 0.3689% | 4,024 |
| Return on assets (ROA) | 0.3980% | 3,922 |
| Pretax return on assets | 0.3954% | 4,040 |
| Return on Equity (ROE) | 4.4258% | 3,774 |
| Retained earnings to average equity (ytd only) | 1.6228% | 3,650 |
| Net charge-offs to loans | -0.0266% | 4,033 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2828% | 722 |
| Assets per employee ($millions) | 6.5530% | 2,342 |
| Cash dividends to net income (ytd only)* | 63.3333% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,702 |
| Loan loss allowance to noncurrent loans | 87.0456% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.3953% | 271 |
| Noncurrent loans to loans | 1.6689% | 471 |
| Net loans and leases to total assets | 59.2765% | 2,153 |
| Net loans and leases to deposits | 71.1472% | 1,849 |
| Net loans and leases to core deposits | 89.1235% | 962 |
| Total domestic deposits to total assets | 83.3153% | 3,899 |
| Equity capital to assets | 8.1118% | 3,483 |
| Core capital (leverage) ratio | 9.6266% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3841% | 2,043 |
| Memoranda: | ||
| Average total assets | $150,738,500 | 3,509 |
| Average earning assets | $138,461,500 | 3,516 |
| Average equity | $13,557,000 | 3,699 |
| Average total loans | $90,369,500 | 3,327 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2499% | 921 |
| Cost of funding earning assets | 1.1587% | 34 |
| Net interest margin | 3.0912% | 2,935 |
| Noninterest income to average assets | 0.4074% | 3,010 |
| Noninterest expense to average assets | 2.7434% | 1,502 |
| Loan and lease loss provision to assets | 0.0789% | 1,551 |
| Net operating income to assets | 0.4163% | 4,251 |
| Return on assets (ROA) | 0.4424% | 4,240 |
| Pretax return on assets | 0.4362% | 4,352 |
| Return on Equity (ROE) | 4.4124% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.2494% | 3,522 |
| Net charge-offs to loans | 0.1786% | 542 |
| Credit loss provision to net charge-offs | 72.7848% | 1,996 |
| Earnings coverage of net charge-offs (x) | 4.5127% | 2,488 |
| Efficiency ratio | 84.8716% | 526 |
| Assets per employee ($millions) | 5.3842% | 3,376 |
| Cash dividends to net income (ytd only)* | 26.3566% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,808 |
| Loan loss allowance to noncurrent loans | 66.8571% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 231 |
| Noncurrent loans to loans | 2.1370% | 350 |
| Net loans and leases to total assets | 58.8984% | 2,280 |
| Net loans and leases to deposits | 72.4264% | 1,871 |
| Net loans and leases to core deposits | 95.4261% | 716 |
| Total domestic deposits to total assets | 81.3217% | 4,064 |
| Equity capital to assets | 9.8754% | 2,777 |
| Core capital (leverage) ratio | 9.9061% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5350% | 2,040 |
| Memoranda: | ||
| Average total assets | $145,805,000 | 3,523 |
| Average earning assets | $133,251,000 | 3,538 |
| Average equity | $14,618,000 | 3,677 |
| Average total loans | $88,473,400 | 3,356 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 917 |
| Cost of funding earning assets | 1.1909% | 35 |
| Net interest margin | 3.1345% | 2,948 |
| Noninterest income to average assets | 0.4648% | 2,775 |
| Noninterest expense to average assets | 2.7641% | 1,419 |
| Loan and lease loss provision to assets | 0.2566% | 354 |
| Net operating income to assets | 0.3412% | 4,452 |
| Return on assets (ROA) | 0.3412% | 4,485 |
| Pretax return on assets | 0.3016% | 4,590 |
| Return on Equity (ROE) | 3.3904% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.8327% | 4,240 |
| Net charge-offs to loans | 0.2437% | 338 |
| Credit loss provision to net charge-offs | 172.6708% | 1,279 |
| Earnings coverage of net charge-offs (x) | 3.7578% | 2,296 |
| Efficiency ratio | 83.2038% | 566 |
| Assets per employee ($millions) | 6.0568% | 2,638 |
| Cash dividends to net income (ytd only)* | 45.9459% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 1,185 |
| Loan loss allowance to noncurrent loans | 71.1406% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.1099% | 169 |
| Noncurrent loans to loans | 2.3416% | 341 |
| Net loans and leases to total assets | 58.7619% | 2,401 |
| Net loans and leases to deposits | 72.8034% | 1,979 |
| Net loans and leases to core deposits | 94.0354% | 824 |
| Total domestic deposits to total assets | 80.7131% | 4,128 |
| Equity capital to assets | 10.0651% | 2,835 |
| Core capital (leverage) ratio | 8.4768% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8114% | 2,769 |
| Memoranda: | ||
| Average total assets | $144,566,750 | 3,573 |
| Average earning assets | $131,775,750 | 3,597 |
| Average equity | $14,550,500 | 3,732 |
| Average total loans | $88,071,500 | 3,410 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 1,014 |
| Cost of funding earning assets | 1.2301% | 37 |
| Net interest margin | 3.0638% | 3,134 |
| Noninterest income to average assets | 0.4934% | 2,648 |
| Noninterest expense to average assets | 2.7470% | 1,471 |
| Loan and lease loss provision to assets | 0.2911% | 301 |
| Net operating income to assets | 0.2897% | 4,537 |
| Return on assets (ROA) | 0.2897% | 4,556 |
| Pretax return on assets | 0.2342% | 4,647 |
| Return on Equity (ROE) | 2.8781% | 4,496 |
| Retained earnings to average equity (ytd only) | 1.7076% | 4,188 |
| Net charge-offs to loans | 0.3640% | 234 |
| Credit loss provision to net charge-offs | 130.4348% | 1,217 |
| Earnings coverage of net charge-offs (x) | 2.3540% | 2,128 |
| Efficiency ratio | 83.9475% | 553 |
| Assets per employee ($millions) | 5.5045% | 3,124 |
| Cash dividends to net income (ytd only)* | 40.6699% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,434 |
| Loan loss allowance to noncurrent loans | 57.5302% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 2.4253% | 150 |
| Noncurrent loans to loans | 2.6906% | 289 |
| Net loans and leases to total assets | 61.2848% | 2,268 |
| Net loans and leases to deposits | 76.2939% | 1,790 |
| Net loans and leases to core deposits | 99.4399% | 680 |
| Total domestic deposits to total assets | 80.3273% | 4,183 |
| Equity capital to assets | 10.2685% | 2,604 |
| Core capital (leverage) ratio | 9.8429% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8837% | 2,008 |
| Memoranda: | ||
| Average total assets | $144,301,333 | 3,586 |
| Average earning assets | $130,882,000 | 3,618 |
| Average equity | $14,523,667 | 3,736 |
| Average total loans | $88,473,667 | 3,421 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 1,173 |
| Cost of funding earning assets | 1.2724% | 41 |
| Net interest margin | 2.9416% | 3,405 |
| Noninterest income to average assets | 0.4224% | 2,978 |
| Noninterest expense to average assets | 2.7220% | 1,567 |
| Loan and lease loss provision to assets | 0.3782% | 211 |
| Net operating income to assets | 0.1187% | 4,701 |
| Return on assets (ROA) | 0.1187% | 4,716 |
| Pretax return on assets | 0.0028% | 4,784 |
| Return on Equity (ROE) | 1.1913% | 4,696 |
| Retained earnings to average equity (ytd only) | 1.1913% | 4,185 |
| Net charge-offs to loans | 0.6261% | 129 |
| Credit loss provision to net charge-offs | 99.2754% | 1,145 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 1,870 |
| Efficiency ratio | 87.7224% | 456 |
| Assets per employee ($millions) | 5.0549% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,580 |
| Loan loss allowance to noncurrent loans | 57.2105% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.3262% | 188 |
| Noncurrent loans to loans | 2.6351% | 340 |
| Net loans and leases to total assets | 59.2307% | 2,641 |
| Net loans and leases to deposits | 73.2028% | 2,192 |
| Net loans and leases to core deposits | 97.8178% | 811 |
| Total domestic deposits to total assets | 80.9131% | 4,074 |
| Equity capital to assets | 9.7481% | 2,948 |
| Core capital (leverage) ratio | 9.7039% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1962% | 1,846 |
| Memoranda: | ||
| Average total assets | $144,893,500 | 3,577 |
| Average earning assets | $132,038,500 | 3,607 |
| Average equity | $14,437,500 | 3,750 |
| Average total loans | $88,166,500 | 3,439 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 1,428 |
| Cost of funding earning assets | 1.5729% | 56 |
| Net interest margin | 2.8810% | 4,142 |
| Noninterest income to average assets | 0.5797% | 2,309 |
| Noninterest expense to average assets | 2.7532% | 2,068 |
| Loan and lease loss provision to assets | 0.4048% | 766 |
| Net operating income to assets | 0.0776% | 4,684 |
| Return on assets (ROA) | 0.8413% | 3,066 |
| Pretax return on assets | 0.9859% | 3,087 |
| Return on Equity (ROE) | 8.9036% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.9036% | 793 |
| Net charge-offs to loans | 1.2607% | 91 |
| Credit loss provision to net charge-offs | 50.4721% | 3,141 |
| Earnings coverage of net charge-offs (x) | 0.6137% | 3,314 |
| Efficiency ratio | 84.8324% | 576 |
| Assets per employee ($millions) | 5.7278% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,549 |
| Loan loss allowance to noncurrent loans | 42.1687% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.3716% | 201 |
| Noncurrent loans to loans | 3.5769% | 190 |
| Net loans and leases to total assets | 60.6492% | 2,775 |
| Net loans and leases to deposits | 75.5939% | 2,321 |
| Net loans and leases to core deposits | 107.3339% | 594 |
| Total domestic deposits to total assets | 80.2303% | 4,010 |
| Equity capital to assets | 10.1855% | 2,943 |
| Core capital (leverage) ratio | 9.2048% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5927% | 2,019 |
| Memoranda: | ||
| Average total assets | $145,249,000 | 3,454 |
| Average earning assets | $134,397,800 | 3,452 |
| Average equity | $13,724,800 | 3,793 |
| Average total loans | $92,407,400 | 3,363 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,413 |
| Cost of funding earning assets | 1.6303% | 65 |
| Net interest margin | 2.9335% | 4,118 |
| Noninterest income to average assets | 0.5689% | 2,311 |
| Noninterest expense to average assets | 2.7899% | 1,995 |
| Loan and lease loss provision to assets | 0.4007% | 878 |
| Net operating income to assets | 0.0749% | 4,725 |
| Return on assets (ROA) | 1.0656% | 2,222 |
| Pretax return on assets | 1.2879% | 2,105 |
| Return on Equity (ROE) | 11.4976% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.4976% | 497 |
| Net charge-offs to loans | 1.5378% | 74 |
| Credit loss provision to net charge-offs | 40.6308% | 2,922 |
| Earnings coverage of net charge-offs (x) | 0.5019% | 3,125 |
| Efficiency ratio | 84.9346% | 562 |
| Assets per employee ($millions) | 5.7298% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,787 |
| Loan loss allowance to noncurrent loans | 30.0474% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 3.1275% | 138 |
| Noncurrent loans to loans | 4.6203% | 127 |
| Net loans and leases to total assets | 62.8776% | 2,900 |
| Net loans and leases to deposits | 78.2188% | 2,513 |
| Net loans and leases to core deposits | 116.2061% | 496 |
| Total domestic deposits to total assets | 80.3867% | 3,785 |
| Equity capital to assets | 9.9054% | 3,322 |
| Core capital (leverage) ratio | 8.9109% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2064% | 2,103 |
| Memoranda: | ||
| Average total assets | $145,762,750 | 3,436 |
| Average earning assets | $134,945,250 | 3,430 |
| Average equity | $13,509,750 | 3,820 |
| Average total loans | $93,465,250 | 3,354 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 1,419 |
| Cost of funding earning assets | 1.6924% | 79 |
| Net interest margin | 3.0027% | 4,120 |
| Noninterest income to average assets | 0.4406% | 2,857 |
| Noninterest expense to average assets | 2.8485% | 1,980 |
| Loan and lease loss provision to assets | 0.3929% | 1,038 |
| Net operating income to assets | -0.0014% | 4,778 |
| Return on assets (ROA) | 0.4065% | 4,282 |
| Pretax return on assets | 0.3834% | 4,435 |
| Return on Equity (ROE) | 4.4868% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.4868% | 2,712 |
| Net charge-offs to loans | 2.4465% | 49 |
| Credit loss provision to net charge-offs | 25.0000% | 2,720 |
| Earnings coverage of net charge-offs (x) | 0.2344% | 2,934 |
| Efficiency ratio | 88.5496% | 430 |
| Assets per employee ($millions) | 5.8177% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,003 |
| Loan loss allowance to noncurrent loans | 25.8360% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 3.1641% | 141 |
| Noncurrent loans to loans | 4.2949% | 143 |
| Net loans and leases to total assets | 61.4518% | 3,170 |
| Net loans and leases to deposits | 77.9034% | 2,665 |
| Net loans and leases to core deposits | 120.7859% | 405 |
| Total domestic deposits to total assets | 78.8821% | 4,055 |
| Equity capital to assets | 9.1372% | 3,971 |
| Core capital (leverage) ratio | 8.3089% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5036% | 2,814 |
| Memoranda: | ||
| Average total assets | $146,602,000 | 3,410 |
| Average earning assets | $135,544,000 | 3,403 |
| Average equity | $13,283,333 | 3,842 |
| Average total loans | $94,174,667 | 3,331 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 1,740 |
| Cost of funding earning assets | 1.8335% | 69 |
| Net interest margin | 2.8567% | 4,493 |
| Noninterest income to average assets | 0.4242% | 2,939 |
| Noninterest expense to average assets | 2.9500% | 2,009 |
| Loan and lease loss provision to assets | 0.3826% | 800 |
| Net operating income to assets | -0.2552% | 4,872 |
| Return on assets (ROA) | 0.5240% | 3,886 |
| Pretax return on assets | 0.5600% | 4,004 |
| Return on Equity (ROE) | 5.8089% | 3,385 |
| Retained earnings to average equity (ytd only) | 5.8089% | 1,951 |
| Net charge-offs to loans | 4.5531% | 25 |
| Credit loss provision to net charge-offs | 12.8611% | 2,221 |
| Earnings coverage of net charge-offs (x) | 0.0382% | 2,487 |
| Efficiency ratio | 96.2896% | 318 |
| Assets per employee ($millions) | 5.2990% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,467 |
| Loan loss allowance to noncurrent loans | 32.5309% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.5295% | 265 |
| Noncurrent loans to loans | 3.2139% | 310 |
| Net loans and leases to total assets | 64.3669% | 3,019 |
| Net loans and leases to deposits | 79.4655% | 2,736 |
| Net loans and leases to core deposits | 126.3078% | 327 |
| Total domestic deposits to total assets | 80.9998% | 3,661 |
| Equity capital to assets | 9.2177% | 4,453 |
| Core capital (leverage) ratio | 8.3127% | 4,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5958% | 2,889 |
| Memoranda: | ||
| Average total assets | $144,273,000 | 3,406 |
| Average earning assets | $133,299,000 | 3,408 |
| Average equity | $13,014,500 | 3,880 |
| Average total loans | $94,264,500 | 3,314 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1511% | 1,106 |
| Cost of funding earning assets | 1.8887% | 98 |
| Net interest margin | 3.2624% | 4,057 |
| Noninterest income to average assets | 0.3570% | 3,565 |
| Noninterest expense to average assets | 2.9926% | 2,040 |
| Loan and lease loss provision to assets | 0.4614% | 286 |
| Net operating income to assets | -0.0883% | 5,002 |
| Return on assets (ROA) | 0.3467% | 4,716 |
| Pretax return on assets | 0.3707% | 4,753 |
| Return on Equity (ROE) | 3.8790% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.9035% | 3,574 |
| Net charge-offs to loans | -0.0240% | 4,665 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0137% | 393 |
| Assets per employee ($millions) | 4.8606% | 2,760 |
| Cash dividends to net income (ytd only)* | 25.1485% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 798 |
| Loan loss allowance to noncurrent loans | 61.1216% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.9264% | 420 |
| Noncurrent loans to loans | 2.7815% | 364 |
| Net loans and leases to total assets | 64.3958% | 3,145 |
| Net loans and leases to deposits | 78.7930% | 2,932 |
| Net loans and leases to core deposits | 240.0614% | 30 |
| Total domestic deposits to total assets | 81.7278% | 3,580 |
| Equity capital to assets | 9.0415% | 4,667 |
| Core capital (leverage) ratio | 8.6754% | 4,736 |
| Tier 1 risk-based capital ratio | 11.6491% | 4,547 |
| Total risk-based capital ratio | 12.9166% | 4,433 |
| Memoranda: | ||
| Average total assets | $145,657,400 | 3,353 |
| Average earning assets | $134,165,800 | 3,365 |
| Average equity | $13,018,800 | 3,885 |
| Average total loans | $99,988,000 | 3,224 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 909 |
| Cost of funding earning assets | 1.9111% | 90 |
| Net interest margin | 3.3645% | 3,950 |
| Noninterest income to average assets | 0.3388% | 3,704 |
| Noninterest expense to average assets | 3.0142% | 1,937 |
| Loan and lease loss provision to assets | 0.4615% | 266 |
| Net operating income to assets | -0.0326% | 5,072 |
| Return on assets (ROA) | 0.4981% | 4,568 |
| Pretax return on assets | 0.5768% | 4,586 |
| Return on Equity (ROE) | 5.5891% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.9315% | 2,924 |
| Net charge-offs to loans | 0.0448% | 2,195 |
| Credit loss provision to net charge-offs | 1,482.3529% | 253 |
| Earnings coverage of net charge-offs (x) | 13.5301% | 2,286 |
| Efficiency ratio | 87.7399% | 409 |
| Assets per employee ($millions) | 4.4463% | 3,293 |
| Cash dividends to net income (ytd only)* | 11.7645% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,331 |
| Loan loss allowance to noncurrent loans | 64.0990% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 578 |
| Noncurrent loans to loans | 2.2962% | 535 |
| Net loans and leases to total assets | 65.7736% | 3,077 |
| Net loans and leases to deposits | 81.0658% | 2,792 |
| Net loans and leases to core deposits | 264.3019% | 25 |
| Total domestic deposits to total assets | 81.1361% | 3,714 |
| Equity capital to assets | 9.2647% | 4,623 |
| Core capital (leverage) ratio | 8.6909% | 4,847 |
| Tier 1 risk-based capital ratio | 12.3753% | 4,207 |
| Total risk-based capital ratio | 13.6405% | 4,085 |
| Memoranda: | ||
| Average total assets | $145,617,500 | 3,389 |
| Average earning assets | $134,022,750 | 3,399 |
| Average equity | $12,977,500 | 3,926 |
| Average total loans | $101,104,000 | 3,253 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 999 |
| Cost of funding earning assets | 1.9094% | 84 |
| Net interest margin | 3.2797% | 4,180 |
| Noninterest income to average assets | 0.3053% | 3,885 |
| Noninterest expense to average assets | 2.9960% | 2,018 |
| Loan and lease loss provision to assets | 0.4580% | 261 |
| Net operating income to assets | -0.1213% | 5,135 |
| Return on assets (ROA) | 0.4348% | 4,690 |
| Pretax return on assets | 0.4607% | 4,752 |
| Return on Equity (ROE) | 4.9422% | 4,357 |
| Retained earnings to average equity (ytd only) | 3.9506% | 3,272 |
| Net charge-offs to loans | 0.0097% | 2,785 |
| Credit loss provision to net charge-offs | 6,720.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 1,125 |
| Efficiency ratio | 90.1559% | 347 |
| Assets per employee ($millions) | 4.7115% | 2,863 |
| Cash dividends to net income (ytd only)* | 20.0627% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,514 |
| Loan loss allowance to noncurrent loans | 51.7468% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 493 |
| Noncurrent loans to loans | 2.3235% | 555 |
| Net loans and leases to total assets | 73.1911% | 2,026 |
| Net loans and leases to deposits | 90.3203% | 1,703 |
| Net loans and leases to core deposits | 308.0854% | 21 |
| Total domestic deposits to total assets | 81.0351% | 3,801 |
| Equity capital to assets | 9.3268% | 4,553 |
| Core capital (leverage) ratio | 8.1716% | 5,120 |
| Tier 1 risk-based capital ratio | 11.2544% | 4,806 |
| Total risk-based capital ratio | 12.4522% | 4,723 |
| Memoranda: | ||
| Average total assets | $146,729,330 | 3,390 |
| Average earning assets | $135,013,000 | 3,409 |
| Average equity | $12,909,330 | 3,948 |
| Average total loans | $103,144,670 | 3,235 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 1,071 |
| Cost of funding earning assets | 1.8674% | 81 |
| Net interest margin | 3.2475% | 4,286 |
| Noninterest income to average assets | 0.3266% | 3,667 |
| Noninterest expense to average assets | 2.7734% | 2,670 |
| Loan and lease loss provision to assets | 0.4497% | 243 |
| Net operating income to assets | 0.0937% | 5,093 |
| Return on assets (ROA) | 0.3962% | 4,753 |
| Pretax return on assets | 0.3855% | 4,856 |
| Return on Equity (ROE) | 4.6350% | 4,434 |
| Retained earnings to average equity (ytd only) | 4.6350% | 3,068 |
| Net charge-offs to loans | 0.0195% | 2,065 |
| Credit loss provision to net charge-offs | 3,360.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 1,157 |
| Efficiency ratio | 83.8866% | 715 |
| Assets per employee ($millions) | 4.7564% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,394 |
| Loan loss allowance to noncurrent loans | 43.5355% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.8935% | 543 |
| Noncurrent loans to loans | 2.4188% | 551 |
| Net loans and leases to total assets | 69.5257% | 2,551 |
| Net loans and leases to deposits | 89.1272% | 1,742 |
| Net loans and leases to core deposits | 302.4220% | 23 |
| Total domestic deposits to total assets | 78.0073% | 4,514 |
| Equity capital to assets | 8.7732% | 4,842 |
| Core capital (leverage) ratio | 7.9030% | 5,229 |
| Tier 1 risk-based capital ratio | 11.1917% | 4,889 |
| Total risk-based capital ratio | 12.2344% | 4,886 |
| Memoranda: | ||
| Average total assets | $149,421,500 | 3,396 |
| Average earning assets | $137,091,500 | 3,410 |
| Average equity | $12,772,500 | 3,974 |
| Average total loans | $102,361,500 | 3,285 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 721 |
| Cost of funding earning assets | 1.3302% | 195 |
| Net interest margin | 3.8522% | 2,492 |
| Noninterest income to average assets | 0.4066% | 3,401 |
| Noninterest expense to average assets | 3.5588% | 920 |
| Loan and lease loss provision to assets | 0.2209% | 816 |
| Net operating income to assets | 0.1160% | 5,170 |
| Return on assets (ROA) | 0.3038% | 4,996 |
| Pretax return on assets | 0.3322% | 5,021 |
| Return on Equity (ROE) | 3.2018% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.5550% | 4,125 |
| Net charge-offs to loans | 0.4767% | 382 |
| Credit loss provision to net charge-offs | 64.5740% | 3,054 |
| Earnings coverage of net charge-offs (x) | 1.0135% | 3,660 |
| Efficiency ratio | 91.1216% | 305 |
| Assets per employee ($millions) | 5.2205% | 2,243 |
| Cash dividends to net income (ytd only)* | 20.2020% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 4,095 |
| Loan loss allowance to noncurrent loans | 24.6415% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.6765% | 270 |
| Noncurrent loans to loans | 3.7244% | 218 |
| Net loans and leases to total assets | 66.1777% | 3,103 |
| Net loans and leases to deposits | 84.6770% | 2,442 |
| Net loans and leases to core deposits | 328.9415% | 20 |
| Total domestic deposits to total assets | 78.1530% | 4,465 |
| Equity capital to assets | 8.3286% | 5,030 |
| Core capital (leverage) ratio | 8.1720% | 5,182 |
| Tier 1 risk-based capital ratio | 11.2261% | 4,849 |
| Total risk-based capital ratio | 12.1283% | 4,919 |
| Memoranda: | ||
| Average total assets | $130,354,400 | 3,644 |
| Average earning assets | $118,400,800 | 3,672 |
| Average equity | $12,368,000 | 3,978 |
| Average total loans | $93,557,800 | 3,412 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 531 |
| Cost of funding earning assets | 1.1783% | 286 |
| Net interest margin | 4.1146% | 1,589 |
| Noninterest income to average assets | 0.4178% | 3,371 |
| Noninterest expense to average assets | 3.7389% | 722 |
| Loan and lease loss provision to assets | 0.2110% | 798 |
| Net operating income to assets | 0.1956% | 5,197 |
| Return on assets (ROA) | 0.2633% | 5,131 |
| Pretax return on assets | 0.2856% | 5,150 |
| Return on Equity (ROE) | 2.6758% | 5,050 |
| Retained earnings to average equity (ytd only) | 1.8091% | 4,637 |
| Net charge-offs to loans | 0.1062% | 1,427 |
| Credit loss provision to net charge-offs | 271.2329% | 1,109 |
| Earnings coverage of net charge-offs (x) | 5.4384% | 2,958 |
| Efficiency ratio | 89.8335% | 332 |
| Assets per employee ($millions) | 4.7415% | 2,792 |
| Cash dividends to net income (ytd only)* | 32.3870% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 2,732 |
| Loan loss allowance to noncurrent loans | 28.9852% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 3.1382% | 219 |
| Noncurrent loans to loans | 4.0763% | 200 |
| Net loans and leases to total assets | 71.2041% | 2,460 |
| Net loans and leases to deposits | 93.0296% | 1,503 |
| Net loans and leases to core deposits | 146.9432% | 151 |
| Total domestic deposits to total assets | 76.5392% | 4,717 |
| Equity capital to assets | 8.7728% | 4,734 |
| Core capital (leverage) ratio | 8.5526% | 5,061 |
| Tier 1 risk-based capital ratio | 11.4595% | 4,815 |
| Total risk-based capital ratio | 12.6786% | 4,711 |
| Memoranda: | ||
| Average total assets | $125,094,500 | 3,748 |
| Average earning assets | $113,836,250 | 3,785 |
| Average equity | $12,307,750 | 4,024 |
| Average total loans | $91,668,000 | 3,468 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 783 |
| Cost of funding earning assets | 1.0208% | 424 |
| Net interest margin | 4.0020% | 1,854 |
| Noninterest income to average assets | 0.3920% | 3,540 |
| Noninterest expense to average assets | 3.9673% | 556 |
| Loan and lease loss provision to assets | 0.1809% | 994 |
| Net operating income to assets | -0.0411% | 5,361 |
| Return on assets (ROA) | 0.0503% | 5,312 |
| Pretax return on assets | -0.0084% | 5,339 |
| Return on Equity (ROE) | 0.4898% | 5,304 |
| Retained earnings to average equity (ytd only) | 0.4898% | 4,866 |
| Net charge-offs to loans | 0.0023% | 3,124 |
| Credit loss provision to net charge-offs | 10,800.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,407 |
| Efficiency ratio | 98.5845% | 190 |
| Assets per employee ($millions) | 4.6340% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,626 |
| Loan loss allowance to noncurrent loans | 33.3426% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 3.0913% | 231 |
| Noncurrent loans to loans | 3.6473% | 266 |
| Net loans and leases to total assets | 74.6869% | 1,838 |
| Net loans and leases to deposits | 105.7463% | 451 |
| Net loans and leases to core deposits | 139.6576% | 196 |
| Total domestic deposits to total assets | 70.6284% | 5,253 |
| Equity capital to assets | 9.4943% | 4,110 |
| Core capital (leverage) ratio | 9.1532% | 4,515 |
| Tier 1 risk-based capital ratio | 12.0468% | 4,462 |
| Total risk-based capital ratio | 13.3122% | 4,331 |
| Memoranda: | ||
| Average total assets | $119,377,330 | 3,872 |
| Average earning assets | $108,347,000 | 3,904 |
| Average equity | $12,250,670 | 4,044 |
| Average total loans | $88,058,670 | 3,563 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 667 |
| Cost of funding earning assets | 0.8879% | 638 |
| Net interest margin | 4.1357% | 1,350 |
| Noninterest income to average assets | 0.4939% | 2,840 |
| Noninterest expense to average assets | 4.0914% | 471 |
| Loan and lease loss provision to assets | 0.1892% | 892 |
| Net operating income to assets | -0.0175% | 5,397 |
| Return on assets (ROA) | 0.2242% | 5,218 |
| Pretax return on assets | 0.2242% | 5,244 |
| Return on Equity (ROE) | 2.0955% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.0955% | 4,324 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9737% | 254 |
| Assets per employee ($millions) | 3.9422% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,274 |
| Loan loss allowance to noncurrent loans | 48.7179% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.3430% | 420 |
| Noncurrent loans to loans | 2.6563% | 486 |
| Net loans and leases to total assets | 73.5226% | 1,941 |
| Net loans and leases to deposits | 97.7648% | 884 |
| Net loans and leases to core deposits | 124.5620% | 460 |
| Total domestic deposits to total assets | 75.2036% | 5,048 |
| Equity capital to assets | 10.3520% | 3,217 |
| Core capital (leverage) ratio | 9.9018% | 3,644 |
| Tier 1 risk-based capital ratio | 12.9248% | 3,990 |
| Total risk-based capital ratio | 14.1920% | 3,872 |
| Memoranda: | ||
| Average total assets | $114,190,500 | 3,987 |
| Average earning assets | $104,069,000 | 4,028 |
| Average equity | $12,216,500 | 4,084 |
| Average total loans | $83,038,000 | 3,689 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 1,291 |
| Cost of funding earning assets | 0.8304% | 527 |
| Net interest margin | 3.8262% | 2,337 |
| Noninterest income to average assets | 0.4239% | 3,481 |
| Noninterest expense to average assets | 3.2760% | 1,421 |
| Loan and lease loss provision to assets | 0.1948% | 1,072 |
| Net operating income to assets | 0.3378% | 4,857 |
| Return on assets (ROA) | 0.4059% | 4,695 |
| Pretax return on assets | 0.4889% | 4,947 |
| Return on Equity (ROE) | 3.9148% | 4,527 |
| Retained earnings to average equity (ytd only) | 1.7051% | 4,287 |
| Net charge-offs to loans | 0.0706% | 2,444 |
| Credit loss provision to net charge-offs | 450.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 13.8958% | 2,364 |
| Efficiency ratio | 84.4848% | 736 |
| Assets per employee ($millions) | 3.3368% | 4,902 |
| Cash dividends to net income (ytd only)* | 56.4444% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 1,800 |
| Loan loss allowance to noncurrent loans | 49.3412% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.3903% | 408 |
| Noncurrent loans to loans | 2.8224% | 414 |
| Net loans and leases to total assets | 69.8340% | 2,541 |
| Net loans and leases to deposits | 92.0746% | 1,514 |
| Net loans and leases to core deposits | 117.6083% | 665 |
| Total domestic deposits to total assets | 75.8450% | 4,991 |
| Equity capital to assets | 11.0703% | 2,564 |
| Core capital (leverage) ratio | 9.9668% | 3,497 |
| Tier 1 risk-based capital ratio | 14.6403% | 3,015 |
| Total risk-based capital ratio | 15.9071% | 2,938 |
| Memoranda: | ||
| Average total assets | $110,866,400 | 4,045 |
| Average earning assets | $100,073,400 | 4,095 |
| Average equity | $11,494,800 | 4,226 |
| Average total loans | $68,033,200 | 4,008 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 1,642 |
| Cost of funding earning assets | 0.7998% | 579 |
| Net interest margin | 3.6996% | 2,767 |
| Noninterest income to average assets | 0.4310% | 3,469 |
| Noninterest expense to average assets | 3.1599% | 1,655 |
| Loan and lease loss provision to assets | 0.1945% | 986 |
| Net operating income to assets | 0.4094% | 4,978 |
| Return on assets (ROA) | 0.4094% | 5,012 |
| Pretax return on assets | 0.4142% | 5,164 |
| Return on Equity (ROE) | 4.0161% | 4,848 |
| Retained earnings to average equity (ytd only) | 1.7666% | 4,719 |
| Net charge-offs to loans | -0.0020% | 4,322 |
| Credit loss provision to net charge-offs | -16,200.0000% | 5,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8484% | 765 |
| Assets per employee ($millions) | 3.5681% | 4,625 |
| Cash dividends to net income (ytd only)* | 56.0111% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,366 |
| Loan loss allowance to noncurrent loans | 43.0334% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.4417% | 456 |
| Noncurrent loans to loans | 3.6037% | 298 |
| Net loans and leases to total assets | 58.2831% | 4,031 |
| Net loans and leases to deposits | 76.1116% | 3,367 |
| Net loans and leases to core deposits | 102.2575% | 1,527 |
| Total domestic deposits to total assets | 76.5758% | 4,948 |
| Equity capital to assets | 10.2322% | 3,659 |
| Core capital (leverage) ratio | 9.8698% | 3,732 |
| Tier 1 risk-based capital ratio | 15.0067% | 2,911 |
| Total risk-based capital ratio | 16.2752% | 2,837 |
| Memoranda: | ||
| Average total assets | $111,054,500 | 4,090 |
| Average earning assets | $100,188,000 | 4,132 |
| Average equity | $11,321,000 | 4,292 |
| Average total loans | $65,545,750 | 4,091 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 1,688 |
| Cost of funding earning assets | 0.7766% | 591 |
| Net interest margin | 3.6657% | 2,768 |
| Noninterest income to average assets | 0.5054% | 2,991 |
| Noninterest expense to average assets | 3.1280% | 1,774 |
| Loan and lease loss provision to assets | 0.1985% | 932 |
| Net operating income to assets | 0.4595% | 4,828 |
| Return on assets (ROA) | 0.4595% | 4,851 |
| Pretax return on assets | 0.4668% | 5,060 |
| Return on Equity (ROE) | 4.5132% | 4,660 |
| Retained earnings to average equity (ytd only) | 2.2205% | 4,346 |
| Net charge-offs to loans | -0.0031% | 4,239 |
| Credit loss provision to net charge-offs | -10,800.0000% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4612% | 962 |
| Assets per employee ($millions) | 3.6600% | 4,494 |
| Cash dividends to net income (ytd only)* | 50.8000% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,519 |
| Loan loss allowance to noncurrent loans | 43.6464% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8151% | 348 |
| Noncurrent loans to loans | 3.4812% | 332 |
| Net loans and leases to total assets | 60.6235% | 3,775 |
| Net loans and leases to deposits | 73.4013% | 3,606 |
| Net loans and leases to core deposits | 98.4209% | 1,773 |
| Total domestic deposits to total assets | 82.5918% | 3,686 |
| Equity capital to assets | 10.9245% | 2,900 |
| Core capital (leverage) ratio | 10.4723% | 2,947 |
| Tier 1 risk-based capital ratio | 16.0171% | 2,500 |
| Total risk-based capital ratio | 17.2871% | 2,427 |
| Memoranda: | ||
| Average total assets | $108,824,000 | 4,148 |
| Average earning assets | $97,606,670 | 4,207 |
| Average equity | $11,078,670 | 4,349 |
| Average total loans | $64,158,670 | 4,146 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 2,105 |
| Cost of funding earning assets | 0.7786% | 554 |
| Net interest margin | 3.4689% | 3,393 |
| Noninterest income to average assets | 0.5871% | 2,478 |
| Noninterest expense to average assets | 3.3230% | 1,341 |
| Loan and lease loss provision to assets | 0.1994% | 828 |
| Net operating income to assets | 0.2621% | 5,285 |
| Return on assets (ROA) | 0.2621% | 5,300 |
| Pretax return on assets | 0.1735% | 5,462 |
| Return on Equity (ROE) | 2.6741% | 5,186 |
| Retained earnings to average equity (ytd only) | 0.3013% | 4,845 |
| Net charge-offs to loans | -0.0064% | 4,257 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9101% | 563 |
| Assets per employee ($millions) | 4.1308% | 3,789 |
| Cash dividends to net income (ytd only)* | 88.7324% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,468 |
| Loan loss allowance to noncurrent loans | 45.7882% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.6333% | 416 |
| Noncurrent loans to loans | 3.4176% | 368 |
| Net loans and leases to total assets | 54.8771% | 4,262 |
| Net loans and leases to deposits | 65.1041% | 4,244 |
| Net loans and leases to core deposits | 88.9556% | 2,457 |
| Total domestic deposits to total assets | 84.2914% | 3,365 |
| Equity capital to assets | 10.4186% | 3,271 |
| Core capital (leverage) ratio | 10.2761% | 3,148 |
| Tier 1 risk-based capital ratio | 16.6909% | 2,282 |
| Total risk-based capital ratio | 17.9672% | 2,243 |
| Memoranda: | ||
| Average total assets | $108,336,500 | 4,202 |
| Average earning assets | $97,092,000 | 4,254 |
| Average equity | $10,620,500 | 4,449 |
| Average total loans | $62,442,500 | 4,226 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,196 |
| Cost of funding earning assets | 0.7846% | 545 |
| Net interest margin | 3.8529% | 2,122 |
| Noninterest income to average assets | 0.7132% | 2,110 |
| Noninterest expense to average assets | 3.4223% | 1,306 |
| Loan and lease loss provision to assets | 0.2245% | 970 |
| Net operating income to assets | 0.3654% | 5,042 |
| Return on assets (ROA) | 0.4200% | 4,957 |
| Pretax return on assets | 0.5125% | 4,998 |
| Return on Equity (ROE) | 4.7880% | 4,519 |
| Retained earnings to average equity (ytd only) | 1.7066% | 4,557 |
| Net charge-offs to loans | 0.1648% | 1,639 |
| Credit loss provision to net charge-offs | 218.1818% | 1,308 |
| Earnings coverage of net charge-offs (x) | 6.5152% | 3,162 |
| Efficiency ratio | 83.6170% | 1,045 |
| Assets per employee ($millions) | 3.5047% | 4,753 |
| Cash dividends to net income (ytd only)* | 64.3564% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,820 |
| Loan loss allowance to noncurrent loans | 53.9049% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.4424% | 497 |
| Noncurrent loans to loans | 2.7158% | 552 |
| Net loans and leases to total assets | 58.7672% | 3,993 |
| Net loans and leases to deposits | 68.8871% | 4,018 |
| Net loans and leases to core deposits | 92.6719% | 2,238 |
| Total domestic deposits to total assets | 85.3094% | 2,922 |
| Equity capital to assets | 9.1505% | 4,650 |
| Core capital (leverage) ratio | 9.5766% | 3,997 |
| Tier 1 risk-based capital ratio | 14.1328% | 3,393 |
| Total risk-based capital ratio | 15.4050% | 3,299 |
| Memoranda: | ||
| Average total assets | $96,192,600 | 4,424 |
| Average earning assets | $84,378,200 | 4,511 |
| Average equity | $8,437,800 | 4,857 |
| Average total loans | $60,071,000 | 4,297 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 1,030 |
| Cost of funding earning assets | 0.8110% | 475 |
| Net interest margin | 3.9101% | 1,940 |
| Noninterest income to average assets | 0.7422% | 1,999 |
| Noninterest expense to average assets | 3.4200% | 1,310 |
| Loan and lease loss provision to assets | 0.2299% | 870 |
| Net operating income to assets | 0.3872% | 5,063 |
| Return on assets (ROA) | 0.4768% | 4,864 |
| Pretax return on assets | 0.6145% | 4,839 |
| Return on Equity (ROE) | 5.5022% | 4,314 |
| Retained earnings to average equity (ytd only) | 2.5545% | 4,386 |
| Net charge-offs to loans | -0.0090% | 4,744 |
| Credit loss provision to net charge-offs | -4,050.0000% | 5,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4213% | 1,144 |
| Assets per employee ($millions) | 3.1098% | 5,278 |
| Cash dividends to net income (ytd only)* | 53.5704% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 1,322 |
| Loan loss allowance to noncurrent loans | 53.2489% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 2.7810% | 453 |
| Noncurrent loans to loans | 3.1034% | 470 |
| Net loans and leases to total assets | 59.6967% | 3,917 |
| Net loans and leases to deposits | 70.4933% | 3,938 |
| Net loans and leases to core deposits | 87.6045% | 2,801 |
| Total domestic deposits to total assets | 84.6842% | 2,950 |
| Equity capital to assets | 9.4021% | 4,762 |
| Core capital (leverage) ratio | 9.3934% | 4,334 |
| Tier 1 risk-based capital ratio | 15.0577% | 3,029 |
| Total risk-based capital ratio | 16.3371% | 2,945 |
| Memoranda: | ||
| Average total assets | $93,955,250 | 4,507 |
| Average earning assets | $81,870,750 | 4,586 |
| Average equity | $8,142,000 | 4,956 |
| Average total loans | $59,412,000 | 4,353 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6868% | 1,075 |
| Cost of funding earning assets | 0.8069% | 476 |
| Net interest margin | 3.8799% | 2,048 |
| Noninterest income to average assets | 0.6292% | 2,466 |
| Noninterest expense to average assets | 3.3713% | 1,432 |
| Loan and lease loss provision to assets | 0.2319% | 871 |
| Net operating income to assets | 0.3282% | 5,243 |
| Return on assets (ROA) | 0.4638% | 4,910 |
| Pretax return on assets | 0.5970% | 4,896 |
| Return on Equity (ROE) | 5.5140% | 4,284 |
| Retained earnings to average equity (ytd only) | 2.5272% | 4,275 |
| Net charge-offs to loans | 0.0067% | 3,454 |
| Credit loss provision to net charge-offs | 5,400.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 152.5000% | 406 |
| Efficiency ratio | 83.7333% | 1,075 |
| Assets per employee ($millions) | 3.1460% | 5,273 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4888% | 1,903 |
| Loan loss allowance to noncurrent loans | 36.1787% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 3.5728% | 290 |
| Noncurrent loans to loans | 4.1152% | 275 |
| Net loans and leases to total assets | 63.5876% | 3,426 |
| Net loans and leases to deposits | 74.0813% | 3,581 |
| Net loans and leases to core deposits | 94.0452% | 2,168 |
| Total domestic deposits to total assets | 85.8349% | 2,501 |
| Equity capital to assets | 8.3535% | 5,671 |
| Core capital (leverage) ratio | 8.2277% | 5,589 |
| Tier 1 risk-based capital ratio | 12.7553% | 4,348 |
| Total risk-based capital ratio | 14.0348% | 4,236 |
| Memoranda: | ||
| Average total assets | $93,139,000 | 4,556 |
| Average earning assets | $81,547,670 | 4,633 |
| Average equity | $7,834,670 | 5,055 |
| Average total loans | $59,710,330 | 4,363 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 1,236 |
| Cost of funding earning assets | 0.8068% | 479 |
| Net interest margin | 3.8049% | 2,266 |
| Noninterest income to average assets | 0.5793% | 2,640 |
| Noninterest expense to average assets | 3.3031% | 1,596 |
| Loan and lease loss provision to assets | 0.2335% | 782 |
| Net operating income to assets | 0.2553% | 5,426 |
| Return on assets (ROA) | 0.5145% | 4,675 |
| Pretax return on assets | 0.6961% | 4,544 |
| Return on Equity (ROE) | 6.0948% | 3,939 |
| Retained earnings to average equity (ytd only) | 3.1242% | 3,956 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0780% | 1,055 |
| Assets per employee ($millions) | 3.2496% | 5,198 |
| Cash dividends to net income (ytd only)* | 48.7395% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 2,203 |
| Loan loss allowance to noncurrent loans | 45.8199% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.8258% | 474 |
| Noncurrent loans to loans | 3.1647% | 489 |
| Net loans and leases to total assets | 61.6609% | 3,572 |
| Net loans and leases to deposits | 70.9309% | 3,764 |
| Net loans and leases to core deposits | 90.1822% | 2,356 |
| Total domestic deposits to total assets | 86.9310% | 2,239 |
| Equity capital to assets | 8.2292% | 5,729 |
| Core capital (leverage) ratio | 8.3169% | 5,555 |
| Tier 1 risk-based capital ratio | 12.6755% | 4,469 |
| Total risk-based capital ratio | 13.9536% | 4,368 |
| Memoranda: | ||
| Average total assets | $92,518,500 | 4,607 |
| Average earning assets | $80,316,500 | 4,698 |
| Average equity | $7,810,000 | 5,088 |
| Average total loans | $59,105,000 | 4,404 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9290% | 720 |
| Cost of funding earning assets | 0.7563% | 621 |
| Net interest margin | 4.1727% | 1,228 |
| Noninterest income to average assets | 0.7630% | 1,921 |
| Noninterest expense to average assets | 3.3016% | 1,717 |
| Loan and lease loss provision to assets | 0.1738% | 1,312 |
| Net operating income to assets | 0.7140% | 3,740 |
| Return on assets (ROA) | 0.7416% | 3,712 |
| Pretax return on assets | 0.9990% | 3,478 |
| Return on Equity (ROE) | 8.8110% | 2,557 |
| Retained earnings to average equity (ytd only) | 5.3376% | 2,182 |
| Net charge-offs to loans | 0.3112% | 965 |
| Credit loss provision to net charge-offs | 85.0829% | 2,859 |
| Earnings coverage of net charge-offs (x) | 5.5580% | 3,367 |
| Efficiency ratio | 74.4085% | 2,517 |
| Assets per employee ($millions) | 3.2428% | 5,240 |
| Cash dividends to net income (ytd only)* | 39.4216% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,662 |
| Loan loss allowance to noncurrent loans | 52.4902% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 2.6652% | 556 |
| Noncurrent loans to loans | 2.5757% | 696 |
| Net loans and leases to total assets | 64.3686% | 3,218 |
| Net loans and leases to deposits | 78.7862% | 2,964 |
| Net loans and leases to core deposits | 102.4775% | 1,328 |
| Total domestic deposits to total assets | 81.7002% | 4,265 |
| Equity capital to assets | 8.6620% | 5,416 |
| Core capital (leverage) ratio | 8.1771% | 5,714 |
| Tier 1 risk-based capital ratio | 11.9588% | 4,977 |
| Total risk-based capital ratio | 13.2257% | 4,868 |
| Memoranda: | ||
| Average total assets | $88,592,800 | 4,698 |
| Average earning assets | $78,007,200 | 4,762 |
| Average equity | $7,456,600 | 5,159 |
| Average total loans | $58,166,600 | 4,423 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 875 |
| Cost of funding earning assets | 0.7398% | 682 |
| Net interest margin | 4.1002% | 1,407 |
| Noninterest income to average assets | 0.4467% | 3,739 |
| Noninterest expense to average assets | 3.2257% | 1,897 |
| Loan and lease loss provision to assets | 0.1878% | 1,089 |
| Net operating income to assets | 0.5156% | 4,734 |
| Return on assets (ROA) | 0.6345% | 4,331 |
| Pretax return on assets | 0.8223% | 4,265 |
| Return on Equity (ROE) | 7.5960% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.4236% | 3,320 |
| Net charge-offs to loans | 0.0230% | 3,479 |
| Credit loss provision to net charge-offs | 1,240.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 56.5124% | 953 |
| Efficiency ratio | 79.0353% | 1,797 |
| Assets per employee ($millions) | 3.2526% | 5,213 |
| Cash dividends to net income (ytd only)* | 41.7668% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 2,008 |
| Loan loss allowance to noncurrent loans | 52.8323% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.2784% | 813 |
| Noncurrent loans to loans | 2.9090% | 624 |
| Net loans and leases to total assets | 66.2655% | 2,969 |
| Net loans and leases to deposits | 82.1703% | 2,630 |
| Net loans and leases to core deposits | 108.7133% | 944 |
| Total domestic deposits to total assets | 80.6441% | 4,566 |
| Equity capital to assets | 7.9398% | 5,978 |
| Core capital (leverage) ratio | 8.2084% | 5,769 |
| Tier 1 risk-based capital ratio | 12.3589% | 4,850 |
| Total risk-based capital ratio | 13.6311% | 4,744 |
| Memoranda: | ||
| Average total assets | $88,041,250 | 4,766 |
| Average earning assets | $78,042,500 | 4,819 |
| Average equity | $7,354,500 | 5,245 |
| Average total loans | $57,896,500 | 4,474 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7735% | 938 |
| Cost of funding earning assets | 0.7368% | 689 |
| Net interest margin | 4.0368% | 1,527 |
| Noninterest income to average assets | 0.3953% | 4,111 |
| Noninterest expense to average assets | 3.1759% | 2,048 |
| Loan and lease loss provision to assets | 0.2160% | 883 |
| Net operating income to assets | 0.4446% | 4,985 |
| Return on assets (ROA) | 0.6251% | 4,349 |
| Pretax return on assets | 0.8135% | 4,279 |
| Return on Equity (ROE) | 7.3557% | 3,404 |
| Retained earnings to average equity (ytd only) | 4.2187% | 3,350 |
| Net charge-offs to loans | 0.0388% | 2,905 |
| Credit loss provision to net charge-offs | 854.5455% | 410 |
| Earnings coverage of net charge-offs (x) | 31.4545% | 1,330 |
| Efficiency ratio | 79.9769% | 1,766 |
| Assets per employee ($millions) | 3.1636% | 5,392 |
| Cash dividends to net income (ytd only)* | 42.6471% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 2,133 |
| Loan loss allowance to noncurrent loans | 56.3041% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.1788% | 969 |
| Noncurrent loans to loans | 2.7284% | 786 |
| Net loans and leases to total assets | 65.9189% | 2,965 |
| Net loans and leases to deposits | 81.3211% | 2,634 |
| Net loans and leases to core deposits | 110.1364% | 827 |
| Total domestic deposits to total assets | 81.0601% | 4,598 |
| Equity capital to assets | 8.4737% | 5,707 |
| Core capital (leverage) ratio | 8.4158% | 5,616 |
| Tier 1 risk-based capital ratio | 12.4353% | 4,853 |
| Total risk-based capital ratio | 13.7076% | 4,747 |
| Memoranda: | ||
| Average total assets | $87,030,670 | 4,834 |
| Average earning assets | $77,091,670 | 4,888 |
| Average equity | $7,395,670 | 5,282 |
| Average total loans | $56,764,670 | 4,549 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7258% | 991 |
| Cost of funding earning assets | 0.7467% | 670 |
| Net interest margin | 3.9791% | 1,629 |
| Noninterest income to average assets | 0.3942% | 4,053 |
| Noninterest expense to average assets | 3.1766% | 2,040 |
| Loan and lease loss provision to assets | 0.2504% | 660 |
| Net operating income to assets | 0.4058% | 5,052 |
| Return on assets (ROA) | 0.5936% | 4,412 |
| Pretax return on assets | 0.7327% | 4,488 |
| Return on Equity (ROE) | 6.9750% | 3,520 |
| Retained earnings to average equity (ytd only) | 3.8145% | 3,718 |
| Net charge-offs to loans | -0.0144% | 4,892 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8737% | 1,775 |
| Assets per employee ($millions) | 3.4724% | 4,942 |
| Cash dividends to net income (ytd only)* | 45.3125% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 2,087 |
| Loan loss allowance to noncurrent loans | 40.4947% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 2.9547% | 645 |
| Noncurrent loans to loans | 3.9251% | 449 |
| Net loans and leases to total assets | 63.0485% | 3,227 |
| Net loans and leases to deposits | 74.6912% | 3,202 |
| Net loans and leases to core deposits | 99.1414% | 1,384 |
| Total domestic deposits to total assets | 84.4121% | 3,648 |
| Equity capital to assets | 8.2662% | 5,892 |
| Core capital (leverage) ratio | 8.2816% | 5,751 |
| Tier 1 risk-based capital ratio | 12.8066% | 4,721 |
| Total risk-based capital ratio | 14.0796% | 4,624 |
| Memoranda: | ||
| Average total assets | $86,256,000 | 4,897 |
| Average earning assets | $76,601,000 | 4,948 |
| Average equity | $7,340,500 | 5,336 |
| Average total loans | $55,496,000 | 4,623 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 958 |
| Cost of funding earning assets | 0.8172% | 592 |
| Net interest margin | 4.0611% | 1,704 |
| Noninterest income to average assets | 0.6597% | 2,508 |
| Noninterest expense to average assets | 3.1406% | 2,389 |
| Loan and lease loss provision to assets | 0.2017% | 1,256 |
| Net operating income to assets | 0.8194% | 3,285 |
| Return on assets (ROA) | 0.7439% | 3,757 |
| Pretax return on assets | 0.8673% | 4,011 |
| Return on Equity (ROE) | 8.6674% | 2,747 |
| Retained earnings to average equity (ytd only) | 4.8521% | 2,719 |
| Net charge-offs to loans | 0.5756% | 701 |
| Credit loss provision to net charge-offs | 54.6624% | 3,386 |
| Earnings coverage of net charge-offs (x) | 3.1350% | 3,967 |
| Efficiency ratio | 73.0812% | 3,015 |
| Assets per employee ($millions) | 3.8955% | 4,175 |
| Cash dividends to net income (ytd only)* | 44.0191% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,506 |
| Loan loss allowance to noncurrent loans | 36.4597% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 3.2520% | 589 |
| Noncurrent loans to loans | 4.1011% | 437 |
| Net loans and leases to total assets | 63.6480% | 3,270 |
| Net loans and leases to deposits | 75.7166% | 3,228 |
| Net loans and leases to core deposits | 98.9515% | 1,469 |
| Total domestic deposits to total assets | 84.0609% | 3,690 |
| Equity capital to assets | 8.7572% | 5,529 |
| Core capital (leverage) ratio | 9.5724% | 4,144 |
| Tier 1 risk-based capital ratio | 15.2409% | 3,353 |
| Total risk-based capital ratio | 16.4952% | 3,302 |
| Memoranda: | ||
| Average total assets | $84,284,400 | 4,952 |
| Average earning assets | $75,497,200 | 5,005 |
| Average equity | $7,234,000 | 5,369 |
| Average total loans | $54,029,200 | 4,693 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8836% | 963 |
| Cost of funding earning assets | 0.8340% | 581 |
| Net interest margin | 4.0496% | 1,723 |
| Noninterest income to average assets | 0.6005% | 2,867 |
| Noninterest expense to average assets | 3.1962% | 2,189 |
| Loan and lease loss provision to assets | 0.1668% | 1,484 |
| Net operating income to assets | 0.7656% | 3,592 |
| Return on assets (ROA) | 0.6751% | 4,165 |
| Pretax return on assets | 0.7609% | 4,502 |
| Return on Equity (ROE) | 7.9072% | 3,260 |
| Retained earnings to average equity (ytd only) | 4.7629% | 3,233 |
| Net charge-offs to loans | 0.4842% | 810 |
| Credit loss provision to net charge-offs | 53.8462% | 3,048 |
| Earnings coverage of net charge-offs (x) | 3.3231% | 3,685 |
| Efficiency ratio | 75.6391% | 2,550 |
| Assets per employee ($millions) | 3.6419% | 4,590 |
| Cash dividends to net income (ytd only)* | 39.7653% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 2,478 |
| Loan loss allowance to noncurrent loans | 29.4769% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 4.0280% | 488 |
| Noncurrent loans to loans | 5.2798% | 315 |
| Net loans and leases to total assets | 66.3770% | 2,793 |
| Net loans and leases to deposits | 78.9672% | 2,843 |
| Net loans and leases to core deposits | 104.0828% | 1,100 |
| Total domestic deposits to total assets | 84.0564% | 3,734 |
| Equity capital to assets | 8.9597% | 5,390 |
| Core capital (leverage) ratio | 9.2622% | 4,689 |
| Tier 1 risk-based capital ratio | 15.3914% | 3,378 |
| Total risk-based capital ratio | 16.6461% | 3,310 |
| Memoranda: | ||
| Average total assets | $83,930,250 | 5,018 |
| Average earning assets | $75,134,000 | 5,065 |
| Average equity | $7,166,250 | 5,430 |
| Average total loans | $53,692,750 | 4,744 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 1,021 |
| Cost of funding earning assets | 0.8529% | 550 |
| Net interest margin | 3.9764% | 1,883 |
| Noninterest income to average assets | 0.6025% | 2,806 |
| Noninterest expense to average assets | 3.1839% | 2,242 |
| Loan and lease loss provision to assets | 0.1429% | 1,732 |
| Net operating income to assets | 0.7552% | 3,544 |
| Return on assets (ROA) | 0.6144% | 4,381 |
| Pretax return on assets | 0.6739% | 4,723 |
| Return on Equity (ROE) | 7.3157% | 3,459 |
| Retained earnings to average equity (ytd only) | 4.1682% | 3,519 |
| Net charge-offs to loans | 0.6103% | 656 |
| Credit loss provision to net charge-offs | 37.2671% | 2,962 |
| Earnings coverage of net charge-offs (x) | 2.5342% | 3,527 |
| Efficiency ratio | 76.6189% | 2,516 |
| Assets per employee ($millions) | 3.5917% | 4,680 |
| Cash dividends to net income (ytd only)* | 43.0233% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 2,468 |
| Loan loss allowance to noncurrent loans | 25.6350% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 4.4559% | 440 |
| Noncurrent loans to loans | 6.2346% | 241 |
| Net loans and leases to total assets | 64.6927% | 2,963 |
| Net loans and leases to deposits | 77.8482% | 2,821 |
| Net loans and leases to core deposits | 98.5615% | 1,404 |
| Total domestic deposits to total assets | 83.1011% | 4,267 |
| Equity capital to assets | 8.8949% | 5,417 |
| Core capital (leverage) ratio | 9.4351% | 4,420 |
| Tier 1 risk-based capital ratio | 15.4883% | 3,357 |
| Total risk-based capital ratio | 16.7428% | 3,301 |
| Memoranda: | ||
| Average total assets | $83,985,670 | 5,064 |
| Average earning assets | $75,042,330 | 5,106 |
| Average equity | $7,053,330 | 5,476 |
| Average total loans | $52,764,000 | 4,801 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6172% | 1,460 |
| Cost of funding earning assets | 0.8687% | 529 |
| Net interest margin | 3.7486% | 2,682 |
| Noninterest income to average assets | 0.4535% | 3,759 |
| Noninterest expense to average assets | 3.2454% | 2,084 |
| Loan and lease loss provision to assets | 0.1417% | 1,719 |
| Net operating income to assets | 0.3766% | 5,201 |
| Return on assets (ROA) | 0.6519% | 4,039 |
| Pretax return on assets | 0.7464% | 4,327 |
| Return on Equity (ROE) | 7.9930% | 2,930 |
| Retained earnings to average equity (ytd only) | 4.9233% | 3,160 |
| Net charge-offs to loans | 0.3616% | 994 |
| Credit loss provision to net charge-offs | 63.8298% | 2,072 |
| Earnings coverage of net charge-offs (x) | 2.5745% | 2,849 |
| Efficiency ratio | 85.0248% | 1,541 |
| Assets per employee ($millions) | 3.6868% | 4,546 |
| Cash dividends to net income (ytd only)* | 38.4058% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8308% | 1,955 |
| Loan loss allowance to noncurrent loans | 28.3041% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 4.7337% | 453 |
| Noncurrent loans to loans | 6.4684% | 256 |
| Net loans and leases to total assets | 60.2623% | 3,518 |
| Net loans and leases to deposits | 72.6420% | 3,256 |
| Net loans and leases to core deposits | 94.0202% | 1,547 |
| Total domestic deposits to total assets | 82.9579% | 4,617 |
| Equity capital to assets | 8.3070% | 5,817 |
| Core capital (leverage) ratio | 9.2055% | 4,715 |
| Tier 1 risk-based capital ratio | 15.4689% | 3,451 |
| Total risk-based capital ratio | 16.7239% | 3,415 |
| Memoranda: | ||
| Average total assets | $84,674,000 | 5,097 |
| Average earning assets | $75,976,000 | 5,114 |
| Average equity | $6,906,000 | 5,540 |
| Average total loans | $51,991,000 | 4,867 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 827 |
| Cost of funding earning assets | 0.9483% | 583 |
| Net interest margin | 4.1018% | 1,629 |
| Noninterest income to average assets | 0.9624% | 1,485 |
| Noninterest expense to average assets | 3.1984% | 2,428 |
| Loan and lease loss provision to assets | 0.2841% | 1,213 |
| Net operating income to assets | 0.9002% | 2,778 |
| Return on assets (ROA) | 0.8524% | 3,096 |
| Pretax return on assets | 1.0797% | 3,031 |
| Return on Equity (ROE) | 9.9252% | 2,148 |
| Retained earnings to average equity (ytd only) | 5.3510% | 2,383 |
| Net charge-offs to loans | 0.3933% | 1,715 |
| Credit loss provision to net charge-offs | 119.1710% | 2,006 |
| Earnings coverage of net charge-offs (x) | 5.9741% | 3,162 |
| Efficiency ratio | 69.1876% | 3,978 |
| Assets per employee ($millions) | 3.6762% | 4,538 |
| Cash dividends to net income (ytd only)* | 46.0870% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 1,866 |
| Loan loss allowance to noncurrent loans | 33.1849% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 4.4895% | 562 |
| Noncurrent loans to loans | 5.6231% | 393 |
| Net loans and leases to total assets | 60.2706% | 3,665 |
| Net loans and leases to deposits | 75.5747% | 3,014 |
| Net loans and leases to core deposits | 99.3585% | 1,205 |
| Total domestic deposits to total assets | 79.7497% | 5,506 |
| Equity capital to assets | 8.0045% | 6,016 |
| Core capital (leverage) ratio | 9.3210% | 4,515 |
| Tier 1 risk-based capital ratio | 15.4962% | 3,376 |
| Total risk-based capital ratio | 16.7511% | 3,326 |
| Memoranda: | ||
| Average total assets | $80,946,400 | 5,217 |
| Average earning assets | $72,236,400 | 5,247 |
| Average equity | $6,952,000 | 5,577 |
| Average total loans | $49,066,000 | 5,004 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 839 |
| Cost of funding earning assets | 0.9562% | 619 |
| Net interest margin | 4.1012% | 1,629 |
| Noninterest income to average assets | 1.1060% | 1,197 |
| Noninterest expense to average assets | 3.3697% | 1,894 |
| Loan and lease loss provision to assets | 0.3082% | 1,099 |
| Net operating income to assets | 0.8712% | 2,984 |
| Return on assets (ROA) | 0.8045% | 3,458 |
| Pretax return on assets | 1.0027% | 3,495 |
| Return on Equity (ROE) | 9.2023% | 2,538 |
| Retained earnings to average equity (ytd only) | 6.1730% | 2,299 |
| Net charge-offs to loans | 0.3861% | 1,662 |
| Credit loss provision to net charge-offs | 132.1429% | 1,789 |
| Earnings coverage of net charge-offs (x) | 5.9786% | 3,059 |
| Efficiency ratio | 70.7343% | 3,639 |
| Assets per employee ($millions) | 3.6594% | 4,537 |
| Cash dividends to net income (ytd only)* | 32.9187% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 1,727 |
| Loan loss allowance to noncurrent loans | 30.7741% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 4.9511% | 563 |
| Noncurrent loans to loans | 6.4854% | 352 |
| Net loans and leases to total assets | 59.6520% | 3,750 |
| Net loans and leases to deposits | 70.4051% | 3,728 |
| Net loans and leases to core deposits | 92.9221% | 1,685 |
| Total domestic deposits to total assets | 84.7268% | 3,869 |
| Equity capital to assets | 8.3893% | 5,840 |
| Core capital (leverage) ratio | 9.5229% | 4,366 |
| Tier 1 risk-based capital ratio | 15.7078% | 3,349 |
| Total risk-based capital ratio | 16.9609% | 3,299 |
| Memoranda: | ||
| Average total assets | $80,045,000 | 5,285 |
| Average earning assets | $71,392,500 | 5,320 |
| Average equity | $6,998,000 | 5,635 |
| Average total loans | $48,350,250 | 5,065 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 795 |
| Cost of funding earning assets | 0.9527% | 706 |
| Net interest margin | 4.1331% | 1,454 |
| Noninterest income to average assets | 1.0965% | 1,261 |
| Noninterest expense to average assets | 3.3471% | 1,946 |
| Loan and lease loss provision to assets | 0.3505% | 949 |
| Net operating income to assets | 0.8845% | 2,876 |
| Return on assets (ROA) | 0.7811% | 3,561 |
| Pretax return on assets | 0.9638% | 3,664 |
| Return on Equity (ROE) | 8.8144% | 2,700 |
| Retained earnings to average equity (ytd only) | 5.8198% | 2,544 |
| Net charge-offs to loans | 0.0249% | 4,349 |
| Credit loss provision to net charge-offs | 2,333.3333% | 145 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 483 |
| Efficiency ratio | 69.8902% | 3,850 |
| Assets per employee ($millions) | 3.5293% | 4,792 |
| Cash dividends to net income (ytd only)* | 33.9744% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1197% | 1,585 |
| Loan loss allowance to noncurrent loans | 35.8923% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 4.6025% | 700 |
| Noncurrent loans to loans | 5.9057% | 493 |
| Net loans and leases to total assets | 60.6401% | 3,551 |
| Net loans and leases to deposits | 72.4500% | 3,390 |
| Net loans and leases to core deposits | 94.0556% | 1,515 |
| Total domestic deposits to total assets | 83.6992% | 4,455 |
| Equity capital to assets | 8.4017% | 5,870 |
| Core capital (leverage) ratio | 9.2856% | 4,566 |
| Tier 1 risk-based capital ratio | 14.9611% | 3,803 |
| Total risk-based capital ratio | 16.2137% | 3,765 |
| Memoranda: | ||
| Average total assets | $79,891,000 | 5,315 |
| Average earning assets | $71,375,330 | 5,352 |
| Average equity | $7,079,330 | 5,667 |
| Average total loans | $48,133,000 | 5,094 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 671 |
| Cost of funding earning assets | 0.9610% | 740 |
| Net interest margin | 4.1947% | 1,199 |
| Noninterest income to average assets | 1.4940% | 692 |
| Noninterest expense to average assets | 3.5533% | 1,513 |
| Loan and lease loss provision to assets | 0.4290% | 698 |
| Net operating income to assets | 0.8883% | 2,707 |
| Return on assets (ROA) | 0.8883% | 2,852 |
| Pretax return on assets | 1.2568% | 2,390 |
| Return on Equity (ROE) | 9.7656% | 2,152 |
| Retained earnings to average equity (ytd only) | 6.8248% | 2,240 |
| Net charge-offs to loans | 0.0510% | 3,318 |
| Credit loss provision to net charge-offs | 1,416.6667% | 232 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 625 |
| Efficiency ratio | 67.8227% | 4,339 |
| Assets per employee ($millions) | 3.4516% | 5,084 |
| Cash dividends to net income (ytd only)* | 30.1136% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1503% | 1,692 |
| Loan loss allowance to noncurrent loans | 40.2468% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 4.1795% | 923 |
| Noncurrent loans to loans | 5.3429% | 695 |
| Net loans and leases to total assets | 57.9503% | 3,786 |
| Net loans and leases to deposits | 69.6476% | 3,550 |
| Net loans and leases to core deposits | 90.0858% | 1,685 |
| Total domestic deposits to total assets | 83.2051% | 4,791 |
| Equity capital to assets | 9.0758% | 5,393 |
| Core capital (leverage) ratio | 9.2667% | 4,457 |
| Tier 1 risk-based capital ratio | 15.4559% | 3,553 |
| Total risk-based capital ratio | 16.7079% | 3,514 |
| Memoranda: | ||
| Average total assets | $79,249,500 | 5,385 |
| Average earning assets | $70,756,000 | 5,420 |
| Average equity | $7,209,000 | 5,686 |
| Average total loans | $47,054,500 | 5,169 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6006% | 510 |
| Cost of funding earning assets | 1.0992% | 912 |
| Net interest margin | 4.5014% | 944 |
| Noninterest income to average assets | 0.6363% | 3,073 |
| Noninterest expense to average assets | 3.4900% | 1,833 |
| Loan and lease loss provision to assets | 0.6389% | 840 |
| Net operating income to assets | 0.3323% | 5,360 |
| Return on assets (ROA) | 0.8467% | 3,312 |
| Pretax return on assets | 1.1172% | 3,092 |
| Return on Equity (ROE) | 9.1121% | 2,586 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,623 |
| Net charge-offs to loans | 0.8427% | 1,370 |
| Credit loss provision to net charge-offs | 127.6762% | 2,203 |
| Earnings coverage of net charge-offs (x) | 2.1567% | 4,336 |
| Efficiency ratio | 76.3798% | 2,682 |
| Assets per employee ($millions) | 3.7672% | 4,431 |
| Cash dividends to net income (ytd only)* | 43.8272% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 2,072 |
| Loan loss allowance to noncurrent loans | 38.5762% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 4.4658% | 930 |
| Noncurrent loans to loans | 5.1303% | 762 |
| Net loans and leases to total assets | 58.3489% | 3,910 |
| Net loans and leases to deposits | 70.4651% | 3,645 |
| Net loans and leases to core deposits | 91.3302% | 1,693 |
| Total domestic deposits to total assets | 82.8054% | 4,796 |
| Equity capital to assets | 9.1175% | 5,381 |
| Core capital (leverage) ratio | 9.3913% | 4,266 |
| Tier 1 risk-based capital ratio | 12.6565% | 5,358 |
| Total risk-based capital ratio | 13.9070% | 5,302 |
| Memoranda: | ||
| Average total assets | $76,532,400 | 5,447 |
| Average earning assets | $66,867,600 | 5,520 |
| Average equity | $7,111,400 | 5,732 |
| Average total loans | $45,449,800 | 5,271 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 814 |
| Cost of funding earning assets | 1.1272% | 954 |
| Net interest margin | 4.2852% | 1,518 |
| Noninterest income to average assets | 0.6237% | 3,139 |
| Noninterest expense to average assets | 3.4260% | 1,939 |
| Loan and lease loss provision to assets | 0.5113% | 1,191 |
| Net operating income to assets | 0.3228% | 5,534 |
| Return on assets (ROA) | 0.7572% | 3,914 |
| Pretax return on assets | 0.9769% | 3,799 |
| Return on Equity (ROE) | 8.1097% | 3,233 |
| Retained earnings to average equity (ytd only) | 5.7577% | 2,862 |
| Net charge-offs to loans | 0.8822% | 1,240 |
| Credit loss provision to net charge-offs | 97.6510% | 3,066 |
| Earnings coverage of net charge-offs (x) | 1.7785% | 4,378 |
| Efficiency ratio | 78.6290% | 2,296 |
| Assets per employee ($millions) | 3.4112% | 5,182 |
| Cash dividends to net income (ytd only)* | 29.0020% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 2,978 |
| Loan loss allowance to noncurrent loans | 26.6428% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 6.0428% | 662 |
| Noncurrent loans to loans | 6.5534% | 580 |
| Net loans and leases to total assets | 58.7430% | 4,001 |
| Net loans and leases to deposits | 71.8688% | 3,630 |
| Net loans and leases to core deposits | 90.4609% | 1,925 |
| Total domestic deposits to total assets | 81.7365% | 5,109 |
| Equity capital to assets | 9.2293% | 5,561 |
| Core capital (leverage) ratio | 9.1631% | 4,813 |
| Tier 1 risk-based capital ratio | 12.7593% | 5,434 |
| Total risk-based capital ratio | 14.0106% | 5,398 |
| Memoranda: | ||
| Average total assets | $75,887,500 | 5,521 |
| Average earning assets | $66,118,000 | 5,612 |
| Average equity | $7,086,000 | 5,803 |
| Average total loans | $45,039,000 | 5,341 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 795 |
| Cost of funding earning assets | 1.1410% | 1,064 |
| Net interest margin | 4.3137% | 1,450 |
| Noninterest income to average assets | 0.5384% | 3,660 |
| Noninterest expense to average assets | 3.3959% | 2,038 |
| Loan and lease loss provision to assets | 0.6211% | 935 |
| Net operating income to assets | 0.1910% | 5,941 |
| Return on assets (ROA) | 0.6531% | 4,355 |
| Pretax return on assets | 0.8103% | 4,441 |
| Return on Equity (ROE) | 6.9658% | 3,801 |
| Retained earnings to average equity (ytd only) | 4.6060% | 3,547 |
| Net charge-offs to loans | 1.0717% | 1,025 |
| Credit loss provision to net charge-offs | 97.8992% | 2,831 |
| Earnings coverage of net charge-offs (x) | 1.3571% | 4,327 |
| Efficiency ratio | 79.7746% | 2,220 |
| Assets per employee ($millions) | 3.1536% | 5,736 |
| Cash dividends to net income (ytd only)* | 33.8776% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 2,712 |
| Loan loss allowance to noncurrent loans | 27.6840% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 5.8853% | 733 |
| Noncurrent loans to loans | 6.6733% | 610 |
| Net loans and leases to total assets | 55.2581% | 4,583 |
| Net loans and leases to deposits | 65.0307% | 4,639 |
| Net loans and leases to core deposits | 84.7538% | 2,597 |
| Total domestic deposits to total assets | 84.9723% | 3,879 |
| Equity capital to assets | 8.9573% | 5,746 |
| Core capital (leverage) ratio | 9.3701% | 4,343 |
| Tier 1 risk-based capital ratio | 13.1204% | 5,099 |
| Total risk-based capital ratio | 14.3719% | 5,072 |
| Memoranda: | ||
| Average total assets | $75,031,000 | 5,577 |
| Average earning assets | $64,678,000 | 5,684 |
| Average equity | $7,034,330 | 5,842 |
| Average total loans | $44,416,330 | 5,410 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 873 |
| Cost of funding earning assets | 1.1682% | 1,113 |
| Net interest margin | 4.2603% | 1,590 |
| Noninterest income to average assets | 0.3720% | 4,887 |
| Noninterest expense to average assets | 3.7087% | 1,364 |
| Loan and lease loss provision to assets | 0.3829% | 1,642 |
| Net operating income to assets | -0.0449% | 6,478 |
| Return on assets (ROA) | 0.5197% | 4,949 |
| Pretax return on assets | 0.6072% | 5,090 |
| Return on Equity (ROE) | 5.4127% | 4,586 |
| Retained earnings to average equity (ytd only) | 3.1337% | 4,686 |
| Net charge-offs to loans | 2.0976% | 434 |
| Credit loss provision to net charge-offs | 30.0429% | 3,622 |
| Earnings coverage of net charge-offs (x) | 0.2618% | 4,230 |
| Efficiency ratio | 91.7456% | 959 |
| Assets per employee ($millions) | 3.0863% | 5,988 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5236% | 4,049 |
| Loan loss allowance to noncurrent loans | 21.4911% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 4.9521% | 1,058 |
| Noncurrent loans to loans | 7.0893% | 622 |
| Net loans and leases to total assets | 57.8547% | 4,058 |
| Net loans and leases to deposits | 68.7937% | 3,910 |
| Net loans and leases to core deposits | 85.5469% | 2,341 |
| Total domestic deposits to total assets | 84.0988% | 4,439 |
| Equity capital to assets | 9.4667% | 4,856 |
| Core capital (leverage) ratio | 9.3671% | 4,246 |
| Tier 1 risk-based capital ratio | 13.3331% | 4,947 |
| Total risk-based capital ratio | 14.5841% | 4,937 |
| Memoranda: | ||
| Average total assets | $73,126,000 | 5,679 |
| Average earning assets | $63,000,500 | 5,776 |
| Average equity | $7,020,500 | 5,869 |
| Average total loans | $44,431,500 | 5,448 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9073% | 510 |
| Cost of funding earning assets | 1.4243% | 941 |
| Net interest margin | 4.4830% | 1,177 |
| Noninterest income to average assets | 0.6678% | 2,793 |
| Noninterest expense to average assets | 3.7364% | 1,465 |
| Loan and lease loss provision to assets | 0.4804% | 2,207 |
| Net operating income to assets | 0.2408% | 5,460 |
| Return on assets (ROA) | 0.5246% | 4,532 |
| Pretax return on assets | 0.5982% | 4,702 |
| Return on Equity (ROE) | 5.7918% | 3,975 |
| Retained earnings to average equity (ytd only) | 3.2948% | 3,879 |
| Net charge-offs to loans | 0.7072% | 2,391 |
| Credit loss provision to net charge-offs | 105.8997% | 3,222 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,521 |
| Efficiency ratio | 83.1695% | 1,864 |
| Assets per employee ($millions) | 3.1383% | 5,833 |
| Cash dividends to net income (ytd only)* | 43.1122% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8215% | 2,801 |
| Loan loss allowance to noncurrent loans | 26.7660% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 5.1758% | 1,014 |
| Noncurrent loans to loans | 6.8053% | 663 |
| Net loans and leases to total assets | 61.6788% | 3,665 |
| Net loans and leases to deposits | 73.7212% | 3,542 |
| Net loans and leases to core deposits | 92.9962% | 1,799 |
| Total domestic deposits to total assets | 83.6649% | 4,465 |
| Equity capital to assets | 9.7379% | 4,533 |
| Core capital (leverage) ratio | 9.4679% | 4,080 |
| Tier 1 risk-based capital ratio | 12.9438% | 5,114 |
| Total risk-based capital ratio | 14.1944% | 5,096 |
| Memoranda: | ||
| Average total assets | $74,723,800 | 5,619 |
| Average earning assets | $63,752,000 | 5,743 |
| Average equity | $6,768,200 | 5,937 |
| Average total loans | $47,933,800 | 5,351 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9002% | 562 |
| Cost of funding earning assets | 1.4916% | 894 |
| Net interest margin | 4.4086% | 1,383 |
| Noninterest income to average assets | 0.5485% | 3,523 |
| Noninterest expense to average assets | 3.7738% | 1,349 |
| Loan and lease loss provision to assets | 0.3450% | 2,811 |
| Net operating income to assets | 0.1836% | 5,747 |
| Return on assets (ROA) | 0.5078% | 4,700 |
| Pretax return on assets | 0.5485% | 4,982 |
| Return on Equity (ROE) | 5.7088% | 4,171 |
| Retained earnings to average equity (ytd only) | 2.9837% | 4,567 |
| Net charge-offs to loans | 0.6998% | 2,159 |
| Credit loss provision to net charge-offs | 76.4706% | 4,261 |
| Earnings coverage of net charge-offs (x) | 1.2079% | 4,720 |
| Efficiency ratio | 87.3822% | 1,398 |
| Assets per employee ($millions) | 3.3122% | 5,460 |
| Cash dividends to net income (ytd only)* | 47.7343% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,663 |
| Loan loss allowance to noncurrent loans | 24.3791% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 5.2890% | 1,077 |
| Noncurrent loans to loans | 6.5655% | 798 |
| Net loans and leases to total assets | 62.9371% | 3,522 |
| Net loans and leases to deposits | 72.6223% | 3,868 |
| Net loans and leases to core deposits | 98.5834% | 1,382 |
| Total domestic deposits to total assets | 86.6636% | 2,843 |
| Equity capital to assets | 9.4953% | 5,098 |
| Core capital (leverage) ratio | 9.1321% | 4,740 |
| Tier 1 risk-based capital ratio | 12.7423% | 5,297 |
| Total risk-based capital ratio | 13.9639% | 5,295 |
| Memoranda: | ||
| Average total assets | $75,359,250 | 5,631 |
| Average earning assets | $64,448,000 | 5,759 |
| Average equity | $6,703,000 | 5,997 |
| Average total loans | $48,580,500 | 5,365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 581 |
| Cost of funding earning assets | 1.5003% | 1,005 |
| Net interest margin | 4.3991% | 1,372 |
| Noninterest income to average assets | 0.6983% | 2,561 |
| Noninterest expense to average assets | 3.8404% | 1,292 |
| Loan and lease loss provision to assets | 0.3544% | 2,660 |
| Net operating income to assets | 0.2678% | 5,488 |
| Return on assets (ROA) | 0.4515% | 4,852 |
| Pretax return on assets | 0.4358% | 5,280 |
| Return on Equity (ROE) | 5.1878% | 4,368 |
| Retained earnings to average equity (ytd only) | 4.2528% | 3,489 |
| Net charge-offs to loans | 0.8652% | 1,788 |
| Credit loss provision to net charge-offs | 63.3803% | 4,255 |
| Earnings coverage of net charge-offs (x) | 1.0845% | 4,470 |
| Efficiency ratio | 86.3636% | 1,561 |
| Assets per employee ($millions) | 3.2956% | 5,433 |
| Cash dividends to net income (ytd only)* | 18.0233% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 4,072 |
| Loan loss allowance to noncurrent loans | 22.6580% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 6.2705% | 874 |
| Noncurrent loans to loans | 6.6750% | 812 |
| Net loans and leases to total assets | 62.5430% | 3,780 |
| Net loans and leases to deposits | 73.8496% | 3,824 |
| Net loans and leases to core deposits | 101.3273% | 1,224 |
| Total domestic deposits to total assets | 84.6898% | 4,023 |
| Equity capital to assets | 9.0516% | 5,504 |
| Core capital (leverage) ratio | 8.9010% | 4,876 |
| Tier 1 risk-based capital ratio | 12.2044% | 5,612 |
| Total risk-based capital ratio | 13.4533% | 5,596 |
| Memoranda: | ||
| Average total assets | $76,189,670 | 5,648 |
| Average earning assets | $64,922,000 | 5,790 |
| Average equity | $6,631,000 | 6,043 |
| Average total loans | $49,238,330 | 5,388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9241% | 565 |
| Cost of funding earning assets | 1.4948% | 1,186 |
| Net interest margin | 4.4293% | 1,220 |
| Noninterest income to average assets | 0.9112% | 1,625 |
| Noninterest expense to average assets | 3.7651% | 1,411 |
| Loan and lease loss provision to assets | 0.4713% | 1,863 |
| Net operating income to assets | 0.3927% | 4,983 |
| Return on assets (ROA) | 0.3927% | 5,073 |
| Pretax return on assets | 0.4608% | 5,146 |
| Return on Equity (ROE) | 4.6041% | 4,596 |
| Retained earnings to average equity (ytd only) | 2.7010% | 4,547 |
| Net charge-offs to loans | 0.9882% | 1,368 |
| Credit loss provision to net charge-offs | 73.1707% | 3,297 |
| Earnings coverage of net charge-offs (x) | 1.4472% | 3,624 |
| Efficiency ratio | 80.1561% | 2,501 |
| Assets per employee ($millions) | 3.4931% | 5,012 |
| Cash dividends to net income (ytd only)* | 41.3333% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,792 |
| Loan loss allowance to noncurrent loans | 21.8609% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 7.2519% | 714 |
| Noncurrent loans to loans | 7.2526% | 737 |
| Net loans and leases to total assets | 62.4367% | 3,768 |
| Net loans and leases to deposits | 73.8696% | 3,780 |
| Net loans and leases to core deposits | 103.5389% | 1,089 |
| Total domestic deposits to total assets | 84.5229% | 4,259 |
| Equity capital to assets | 8.6156% | 5,756 |
| Core capital (leverage) ratio | 8.7135% | 5,066 |
| Tier 1 risk-based capital ratio | 11.6516% | 5,979 |
| Total risk-based capital ratio | 12.9013% | 5,968 |
| Memoranda: | ||
| Average total assets | $76,385,000 | 5,690 |
| Average earning assets | $65,293,000 | 5,819 |
| Average equity | $6,516,000 | 6,087 |
| Average total loans | $49,790,000 | 5,402 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3990% | 380 |
| Cost of funding earning assets | 1.4890% | 2,708 |
| Net interest margin | 4.9100% | 535 |
| Noninterest income to average assets | 0.6978% | 2,853 |
| Noninterest expense to average assets | 3.7678% | 1,545 |
| Loan and lease loss provision to assets | 0.3316% | 4,165 |
| Net operating income to assets | 0.6680% | 3,354 |
| Return on assets (ROA) | 0.3871% | 4,746 |
| Pretax return on assets | 0.4786% | 4,695 |
| Return on Equity (ROE) | 4.1827% | 4,437 |
| Retained earnings to average equity (ytd only) | 0.0150% | 5,569 |
| Net charge-offs to loans | 0.4087% | 4,001 |
| Credit loss provision to net charge-offs | 109.6330% | 4,022 |
| Earnings coverage of net charge-offs (x) | 3.8257% | 3,171 |
| Efficiency ratio | 76.5070% | 2,962 |
| Assets per employee ($millions) | 3.4510% | 5,050 |
| Cash dividends to net income (ytd only)* | 99.6416% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 3,634 |
| Loan loss allowance to noncurrent loans | 23.0220% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 7.0692% | 766 |
| Noncurrent loans to loans | 6.8883% | 831 |
| Net loans and leases to total assets | 65.8830% | 3,491 |
| Net loans and leases to deposits | 79.6950% | 3,231 |
| Net loans and leases to core deposits | 111.6446% | 836 |
| Total domestic deposits to total assets | 82.6688% | 4,939 |
| Equity capital to assets | 8.4443% | 5,931 |
| Core capital (leverage) ratio | 9.2383% | 4,113 |
| Tier 1 risk-based capital ratio | 11.2284% | 6,156 |
| Total risk-based capital ratio | 12.4591% | 6,153 |
| Memoranda: | ||
| Average total assets | $72,083,600 | 5,811 |
| Average earning assets | $62,056,800 | 5,919 |
| Average equity | $6,670,400 | 6,143 |
| Average total loans | $53,333,400 | 5,341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4693% | 363 |
| Cost of funding earning assets | 1.5267% | 2,795 |
| Net interest margin | 4.9427% | 500 |
| Noninterest income to average assets | 0.7405% | 2,574 |
| Noninterest expense to average assets | 3.8823% | 1,228 |
| Loan and lease loss provision to assets | 0.2475% | 4,615 |
| Net operating income to assets | 0.6317% | 3,743 |
| Return on assets (ROA) | 0.6317% | 3,911 |
| Pretax return on assets | 0.8773% | 3,633 |
| Return on Equity (ROE) | 6.6712% | 3,501 |
| Retained earnings to average equity (ytd only) | 1.9598% | 4,978 |
| Net charge-offs to loans | 0.2397% | 4,505 |
| Credit loss provision to net charge-offs | 136.0825% | 2,947 |
| Earnings coverage of net charge-offs (x) | 6.1856% | 2,578 |
| Efficiency ratio | 77.5365% | 2,688 |
| Assets per employee ($millions) | 3.1056% | 5,906 |
| Cash dividends to net income (ytd only)* | 70.6245% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,820 |
| Loan loss allowance to noncurrent loans | 25.8278% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 7.1092% | 757 |
| Noncurrent loans to loans | 5.9311% | 1,062 |
| Net loans and leases to total assets | 73.7026% | 1,863 |
| Net loans and leases to deposits | 94.2327% | 1,176 |
| Net loans and leases to core deposits | 120.3755% | 597 |
| Total domestic deposits to total assets | 78.2133% | 6,214 |
| Equity capital to assets | 9.4653% | 4,895 |
| Core capital (leverage) ratio | 9.5037% | 3,895 |
| Tier 1 risk-based capital ratio | 11.3444% | 6,059 |
| Total risk-based capital ratio | 12.5967% | 6,050 |
| Memoranda: | ||
| Average total assets | $71,124,250 | 5,913 |
| Average earning assets | $61,396,000 | 6,008 |
| Average equity | $6,735,250 | 6,206 |
| Average total loans | $53,960,500 | 5,392 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4123% | 402 |
| Cost of funding earning assets | 1.5340% | 3,043 |
| Net interest margin | 4.8783% | 562 |
| Noninterest income to average assets | 0.6505% | 3,011 |
| Noninterest expense to average assets | 3.9002% | 1,184 |
| Loan and lease loss provision to assets | 0.1549% | 5,347 |
| Net operating income to assets | 0.6026% | 3,870 |
| Return on assets (ROA) | 0.6026% | 4,005 |
| Pretax return on assets | 0.8223% | 3,808 |
| Return on Equity (ROE) | 6.3627% | 3,613 |
| Retained earnings to average equity (ytd only) | 3.5382% | 3,857 |
| Net charge-offs to loans | 0.2587% | 4,054 |
| Credit loss provision to net charge-offs | 78.5714% | 4,745 |
| Earnings coverage of net charge-offs (x) | 4.9571% | 2,796 |
| Efficiency ratio | 79.9654% | 2,454 |
| Assets per employee ($millions) | 3.3592% | 5,291 |
| Cash dividends to net income (ytd only)* | 44.3925% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 4,336 |
| Loan loss allowance to noncurrent loans | 26.1743% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 6.8923% | 776 |
| Noncurrent loans to loans | 5.4277% | 1,221 |
| Net loans and leases to total assets | 75.6432% | 1,559 |
| Net loans and leases to deposits | 94.7158% | 1,187 |
| Net loans and leases to core deposits | 120.6280% | 676 |
| Total domestic deposits to total assets | 79.8633% | 5,769 |
| Equity capital to assets | 9.5615% | 4,613 |
| Core capital (leverage) ratio | 9.5485% | 3,745 |
| Tier 1 risk-based capital ratio | 11.5211% | 5,754 |
| Total risk-based capital ratio | 12.7433% | 5,747 |
| Memoranda: | ||
| Average total assets | $71,022,670 | 5,945 |
| Average earning assets | $61,538,000 | 6,042 |
| Average equity | $6,726,670 | 6,228 |
| Average total loans | $54,126,000 | 5,415 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2688% | 557 |
| Cost of funding earning assets | 1.5092% | 3,497 |
| Net interest margin | 4.7597% | 690 |
| Noninterest income to average assets | 0.6287% | 3,095 |
| Noninterest expense to average assets | 3.9797% | 1,060 |
| Loan and lease loss provision to assets | 0.0281% | 6,398 |
| Net operating income to assets | 0.5669% | 4,047 |
| Return on assets (ROA) | 0.5669% | 4,191 |
| Pretax return on assets | 0.7634% | 4,016 |
| Return on Equity (ROE) | 6.0141% | 3,879 |
| Retained earnings to average equity (ytd only) | 3.1559% | 4,254 |
| Net charge-offs to loans | 0.1552% | 3,996 |
| Credit loss provision to net charge-offs | 23.8095% | 4,901 |
| Earnings coverage of net charge-offs (x) | 6.7143% | 2,179 |
| Efficiency ratio | 83.4118% | 2,085 |
| Assets per employee ($millions) | 3.6047% | 4,805 |
| Cash dividends to net income (ytd only)* | 47.5248% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 4,323 |
| Loan loss allowance to noncurrent loans | 25.1801% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 6.2849% | 927 |
| Noncurrent loans to loans | 5.6398% | 1,215 |
| Net loans and leases to total assets | 74.0460% | 1,960 |
| Net loans and leases to deposits | 91.7248% | 1,648 |
| Net loans and leases to core deposits | 111.5448% | 1,191 |
| Total domestic deposits to total assets | 80.7263% | 5,548 |
| Equity capital to assets | 9.3518% | 4,757 |
| Core capital (leverage) ratio | 9.3807% | 3,935 |
| Tier 1 risk-based capital ratio | 11.4902% | 5,682 |
| Total risk-based capital ratio | 12.7159% | 5,690 |
| Memoranda: | ||
| Average total assets | $71,262,500 | 6,012 |
| Average earning assets | $62,021,000 | 6,082 |
| Average equity | $6,717,500 | 6,281 |
| Average total loans | $54,124,000 | 5,488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9613% | 295 |
| Cost of funding earning assets | 2.2182% | 1,950 |
| Net interest margin | 4.7431% | 776 |
| Noninterest income to average assets | 0.4252% | 5,004 |
| Noninterest expense to average assets | 3.6834% | 1,943 |
| Loan and lease loss provision to assets | 0.7041% | 3,007 |
| Net operating income to assets | 0.2191% | 4,834 |
| Return on assets (ROA) | 0.2440% | 4,823 |
| Pretax return on assets | 0.2454% | 4,901 |
| Return on Equity (ROE) | 2.5882% | 4,666 |
| Retained earnings to average equity (ytd only) | -0.2662% | 5,006 |
| Net charge-offs to loans | 0.7052% | 3,072 |
| Credit loss provision to net charge-offs | 129.4872% | 3,958 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 4,464 |
| Efficiency ratio | 79.9395% | 2,900 |
| Assets per employee ($millions) | 3.5216% | 4,964 |
| Cash dividends to net income (ytd only)* | 110.2857% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,970 |
| Loan loss allowance to noncurrent loans | 53.2564% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 3.8193% | 1,742 |
| Noncurrent loans to loans | 2.7247% | 2,836 |
| Net loans and leases to total assets | 75.6929% | 1,882 |
| Net loans and leases to deposits | 94.9829% | 1,462 |
| Net loans and leases to core deposits | 134.5549% | 1,023 |
| Total domestic deposits to total assets | 79.6910% | 5,779 |
| Equity capital to assets | 9.5028% | 4,410 |
| Core capital (leverage) ratio | 9.3038% | 3,967 |
| Tier 1 risk-based capital ratio | 11.4022% | 5,505 |
| Total risk-based capital ratio | 12.6607% | 5,461 |
| Memoranda: | ||
| Average total assets | $71,727,000 | 5,950 |
| Average earning assets | $63,249,400 | 6,025 |
| Average equity | $6,761,400 | 6,350 |
| Average total loans | $55,301,200 | 5,446 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9812% | 307 |
| Cost of funding earning assets | 2.3431% | 1,837 |
| Net interest margin | 4.6381% | 927 |
| Noninterest income to average assets | 0.5774% | 3,874 |
| Noninterest expense to average assets | 3.6233% | 1,977 |
| Loan and lease loss provision to assets | 0.4626% | 3,599 |
| Net operating income to assets | 0.4386% | 4,238 |
| Return on assets (ROA) | 0.4386% | 4,344 |
| Pretax return on assets | 0.5940% | 4,200 |
| Return on Equity (ROE) | 4.6617% | 4,094 |
| Retained earnings to average equity (ytd only) | 2.1046% | 4,151 |
| Net charge-offs to loans | 0.6882% | 2,631 |
| Credit loss provision to net charge-offs | 87.1080% | 5,565 |
| Earnings coverage of net charge-offs (x) | 1.9895% | 4,328 |
| Efficiency ratio | 77.4219% | 3,255 |
| Assets per employee ($millions) | 3.6086% | 4,669 |
| Cash dividends to net income (ytd only)* | 54.8530% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,408 |
| Loan loss allowance to noncurrent loans | 45.7639% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 3.6385% | 1,809 |
| Noncurrent loans to loans | 2.5154% | 2,992 |
| Net loans and leases to total assets | 75.1954% | 2,193 |
| Net loans and leases to deposits | 91.0387% | 2,386 |
| Net loans and leases to core deposits | 130.4066% | 1,411 |
| Total domestic deposits to total assets | 82.5971% | 4,399 |
| Equity capital to assets | 9.4898% | 4,759 |
| Core capital (leverage) ratio | 9.2494% | 4,261 |
| Tier 1 risk-based capital ratio | 11.8624% | 5,094 |
| Total risk-based capital ratio | 12.9675% | 5,173 |
| Memoranda: | ||
| Average total assets | $72,050,750 | 5,977 |
| Average earning assets | $63,731,750 | 6,049 |
| Average equity | $6,778,500 | 6,397 |
| Average total loans | $55,602,250 | 5,477 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9567% | 346 |
| Cost of funding earning assets | 2.4322% | 1,839 |
| Net interest margin | 4.5245% | 1,110 |
| Noninterest income to average assets | 0.5583% | 3,971 |
| Noninterest expense to average assets | 3.5523% | 2,189 |
| Loan and lease loss provision to assets | 0.5555% | 2,795 |
| Net operating income to assets | 0.3805% | 4,582 |
| Return on assets (ROA) | 0.3805% | 4,685 |
| Pretax return on assets | 0.4805% | 4,684 |
| Return on Equity (ROE) | 4.0563% | 4,472 |
| Retained earnings to average equity (ytd only) | 1.3916% | 4,563 |
| Net charge-offs to loans | 0.1504% | 4,686 |
| Credit loss provision to net charge-offs | 476.1905% | 977 |
| Earnings coverage of net charge-offs (x) | 8.8810% | 2,205 |
| Efficiency ratio | 77.4213% | 3,436 |
| Assets per employee ($millions) | 3.4180% | 5,024 |
| Cash dividends to net income (ytd only)* | 65.6934% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 3,223 |
| Loan loss allowance to noncurrent loans | 50.4872% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 3.4106% | 1,835 |
| Noncurrent loans to loans | 2.9632% | 2,435 |
| Net loans and leases to total assets | 76.0466% | 2,172 |
| Net loans and leases to deposits | 94.3854% | 2,028 |
| Net loans and leases to core deposits | 133.0538% | 1,368 |
| Total domestic deposits to total assets | 80.5704% | 5,243 |
| Equity capital to assets | 9.4236% | 4,713 |
| Core capital (leverage) ratio | 9.4433% | 3,970 |
| Tier 1 risk-based capital ratio | 11.9015% | 4,999 |
| Total risk-based capital ratio | 13.0803% | 4,990 |
| Memoranda: | ||
| Average total assets | $72,010,330 | 6,032 |
| Average earning assets | $64,139,330 | 6,071 |
| Average equity | $6,755,000 | 6,450 |
| Average total loans | $55,835,670 | 5,513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9481% | 379 |
| Cost of funding earning assets | 2.5697% | 1,659 |
| Net interest margin | 4.3784% | 1,400 |
| Noninterest income to average assets | 0.5158% | 4,176 |
| Noninterest expense to average assets | 3.5105% | 2,078 |
| Loan and lease loss provision to assets | 0.1664% | 4,799 |
| Net operating income to assets | 0.5379% | 4,266 |
| Return on assets (ROA) | 0.5379% | 4,455 |
| Pretax return on assets | 0.7320% | 4,315 |
| Return on Equity (ROE) | 5.7477% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.9035% | 4,251 |
| Net charge-offs to loans | 0.1998% | 3,438 |
| Credit loss provision to net charge-offs | 107.1429% | 3,567 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 2,608 |
| Efficiency ratio | 79.6226% | 2,880 |
| Assets per employee ($millions) | 3.4036% | 5,065 |
| Cash dividends to net income (ytd only)* | 49.4845% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 4,693 |
| Loan loss allowance to noncurrent loans | 39.9524% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 3.5915% | 1,481 |
| Noncurrent loans to loans | 3.0427% | 2,146 |
| Net loans and leases to total assets | 76.4015% | 2,187 |
| Net loans and leases to deposits | 97.4551% | 1,744 |
| Net loans and leases to core deposits | 134.4594% | 1,390 |
| Total domestic deposits to total assets | 78.3966% | 5,888 |
| Equity capital to assets | 9.4802% | 4,694 |
| Core capital (leverage) ratio | 9.2298% | 4,364 |
| Tier 1 risk-based capital ratio | 11.9040% | 5,039 |
| Total risk-based capital ratio | 13.0933% | 4,993 |
| Memoranda: | ||
| Average total assets | $72,127,000 | 6,062 |
| Average earning assets | $64,132,500 | 6,103 |
| Average equity | $6,750,500 | 6,499 |
| Average total loans | $56,047,000 | 5,541 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4477% | 460 |
| Cost of funding earning assets | 3.1581% | 1,326 |
| Net interest margin | 4.2895% | 2,016 |
| Noninterest income to average assets | 0.4387% | 5,127 |
| Noninterest expense to average assets | 3.2815% | 3,027 |
| Loan and lease loss provision to assets | 0.4030% | 3,266 |
| Net operating income to assets | 0.4542% | 4,935 |
| Return on assets (ROA) | 0.4607% | 4,726 |
| Pretax return on assets | 0.5845% | 4,741 |
| Return on Equity (ROE) | 5.0282% | 4,375 |
| Retained earnings to average equity (ytd only) | 2.2364% | 3,823 |
| Net charge-offs to loans | 0.6682% | 1,847 |
| Credit loss provision to net charge-offs | 77.3087% | 5,953 |
| Earnings coverage of net charge-offs (x) | 1.8786% | 5,129 |
| Efficiency ratio | 77.0174% | 3,075 |
| Assets per employee ($millions) | 3.6390% | 4,316 |
| Cash dividends to net income (ytd only)* | 55.5224% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 4,712 |
| Loan loss allowance to noncurrent loans | 92.0330% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 2.2355% | 2,181 |
| Noncurrent loans to loans | 1.2814% | 3,949 |
| Net loans and leases to total assets | 77.1431% | 2,340 |
| Net loans and leases to deposits | 102.9806% | 1,472 |
| Net loans and leases to core deposits | 143.9811% | 1,090 |
| Total domestic deposits to total assets | 74.9103% | 6,473 |
| Equity capital to assets | 9.2403% | 5,018 |
| Core capital (leverage) ratio | 9.2860% | 4,316 |
| Tier 1 risk-based capital ratio | 11.5286% | 5,216 |
| Total risk-based capital ratio | 12.6854% | 5,203 |
| Memoranda: | ||
| Average total assets | $72,710,800 | 5,942 |
| Average earning assets | $64,785,400 | 6,000 |
| Average equity | $6,662,400 | 6,581 |
| Average total loans | $56,716,000 | 5,420 |