Home > Guadalupe Bank > Performance and Condition Ratios
Guadalupe 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 | 5.4174% | 1,283 |
| Cost of funding earning assets | 0.8865% | 3,548 |
| Net interest margin | 4.5309% | 586 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6322% | 1,913 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.7156% | 715 |
| Return on assets (ROA) | 1.7156% | 682 |
| Pretax return on assets | 2.1625% | 517 |
| Return on Equity (ROE) | 19.7100% | 637 |
| Retained earnings to average equity (ytd only) | -8.2939% | 4,449 |
| Net charge-offs to loans | 0.0167% | 2,041 |
| Credit loss provision to net charge-offs | 6.2500% | 2,342 |
| Earnings coverage of net charge-offs (x) | 178.5625% | 630 |
| Efficiency ratio | 54.8372% | 3,614 |
| Assets per employee ($millions) | 10.5540% | 606 |
| Cash dividends to net income (ytd only)* | 142.0831% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 3,053 |
| Loan loss allowance to noncurrent loans | 4,093.8776% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 3,612 |
| Noncurrent loans to loans | 0.0258% | 3,561 |
| Net loans and leases to total assets | 74.3300% | 1,309 |
| Net loans and leases to deposits | 83.3145% | 1,832 |
| Net loans and leases to core deposits | 89.4027% | 2,095 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 8.4719% | 3,073 |
| Core capital (leverage) ratio | 8.2562% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4392% | 2,436 |
| Memoranda: | ||
| Average total assets | $263,577,800 | 2,606 |
| Average earning assets | $247,940,600 | 2,586 |
| Average equity | $22,944,600 | 2,632 |
| Average total loans | $191,320,400 | 2,350 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 1,331 |
| Cost of funding earning assets | 0.7754% | 3,590 |
| Net interest margin | 4.4903% | 625 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.6040% | 1,929 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.7258% | 761 |
| Return on assets (ROA) | 1.7258% | 748 |
| Pretax return on assets | 2.1732% | 579 |
| Return on Equity (ROE) | 19.7000% | 753 |
| Retained earnings to average equity (ytd only) | -8.0343% | 4,483 |
| Net charge-offs to loans | 0.0139% | 1,896 |
| Credit loss provision to net charge-offs | 10.0000% | 2,035 |
| Earnings coverage of net charge-offs (x) | 217.6000% | 561 |
| Efficiency ratio | 54.4293% | 3,554 |
| Assets per employee ($millions) | 10.1617% | 628 |
| Cash dividends to net income (ytd only)* | 140.7837% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 3,061 |
| Loan loss allowance to noncurrent loans | 4,036.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,644 |
| Noncurrent loans to loans | 0.0263% | 3,585 |
| Net loans and leases to total assets | 71.2000% | 1,669 |
| Net loans and leases to deposits | 79.9620% | 2,054 |
| Net loans and leases to core deposits | 85.4939% | 2,219 |
| Total domestic deposits to total assets | 89.0400% | 1,231 |
| Equity capital to assets | 8.6206% | 2,651 |
| Core capital (leverage) ratio | 8.6979% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1498% | 2,219 |
| Memoranda: | ||
| Average total assets | $266,148,250 | 2,598 |
| Average earning assets | $250,190,750 | 2,574 |
| Average equity | $23,316,000 | 2,603 |
| Average total loans | $191,580,500 | 2,345 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 1,423 |
| Cost of funding earning assets | 0.5894% | 3,780 |
| Net interest margin | 4.4773% | 630 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.6785% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6754% | 824 |
| Return on assets (ROA) | 1.6754% | 828 |
| Pretax return on assets | 2.1065% | 619 |
| Return on Equity (ROE) | 19.0200% | 829 |
| Retained earnings to average equity (ytd only) | -10.7678% | 4,524 |
| Net charge-offs to loans | 0.0167% | 1,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 175.6250% | 676 |
| Efficiency ratio | 55.9768% | 3,420 |
| Assets per employee ($millions) | 9.7114% | 729 |
| Cash dividends to net income (ytd only)* | 156.5996% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,175 |
| Loan loss allowance to noncurrent loans | 3,960.7843% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,632 |
| Noncurrent loans to loans | 0.0266% | 3,567 |
| Net loans and leases to total assets | 72.4700% | 1,469 |
| Net loans and leases to deposits | 83.2523% | 1,742 |
| Net loans and leases to core deposits | 85.7087% | 2,089 |
| Total domestic deposits to total assets | 87.0400% | 1,918 |
| Equity capital to assets | 8.7396% | 2,698 |
| Core capital (leverage) ratio | 8.7944% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3591% | 2,153 |
| Memoranda: | ||
| Average total assets | $266,796,000 | 2,601 |
| Average earning assets | $250,775,667 | 2,577 |
| Average equity | $23,496,000 | 2,598 |
| Average total loans | $192,063,667 | 2,341 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 1,241 |
| Cost of funding earning assets | 0.4966% | 3,697 |
| Net interest margin | 4.4928% | 590 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.6564% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7987% | 671 |
| Return on assets (ROA) | 1.7987% | 663 |
| Pretax return on assets | 2.2773% | 509 |
| Return on Equity (ROE) | 20.3500% | 717 |
| Retained earnings to average equity (ytd only) | -13.2851% | 4,530 |
| Net charge-offs to loans | 0.0271% | 1,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 117.8462% | 716 |
| Efficiency ratio | 53.8415% | 3,618 |
| Assets per employee ($millions) | 9.1627% | 885 |
| Cash dividends to net income (ytd only)* | 165.2893% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,244 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.5900% | 1,778 |
| Net loans and leases to deposits | 75.3010% | 2,181 |
| Net loans and leases to core deposits | 76.7884% | 2,476 |
| Total domestic deposits to total assets | 91.0800% | 773 |
| Equity capital to assets | 8.5095% | 2,884 |
| Core capital (leverage) ratio | 8.8270% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5987% | 2,140 |
| Memoranda: | ||
| Average total assets | $269,089,500 | 2,620 |
| Average earning assets | $252,937,500 | 2,601 |
| Average equity | $23,786,000 | 2,613 |
| Average total loans | $192,080,000 | 2,361 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 905 |
| Cost of funding earning assets | 0.1565% | 4,087 |
| Net interest margin | 4.2307% | 497 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.6956% | 1,567 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.6300% | 638 |
| Return on assets (ROA) | 1.6300% | 609 |
| Pretax return on assets | 2.0645% | 409 |
| Return on Equity (ROE) | 19.7300% | 503 |
| Retained earnings to average equity (ytd only) | 13.5955% | 440 |
| Net charge-offs to loans | 0.0484% | 1,194 |
| Credit loss provision to net charge-offs | 346.0674% | 843 |
| Earnings coverage of net charge-offs (x) | 66.1348% | 1,187 |
| Efficiency ratio | 55.3041% | 3,653 |
| Assets per employee ($millions) | 9.0793% | 892 |
| Cash dividends to net income (ytd only)* | 31.1081% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,060 |
| Loan loss allowance to noncurrent loans | 206,100.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,967 |
| Noncurrent loans to loans | 0.0005% | 3,905 |
| Net loans and leases to total assets | 72.7500% | 1,337 |
| Net loans and leases to deposits | 80.3245% | 1,747 |
| Net loans and leases to core deposits | 81.0508% | 2,071 |
| Total domestic deposits to total assets | 90.5700% | 1,125 |
| Equity capital to assets | 9.1839% | 2,235 |
| Core capital (leverage) ratio | 9.0596% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8540% | 2,030 |
| Memoranda: | ||
| Average total assets | $270,182,400 | 2,606 |
| Average earning assets | $254,873,000 | 2,580 |
| Average equity | $22,316,200 | 2,744 |
| Average total loans | $183,733,600 | 2,344 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 951 |
| Cost of funding earning assets | 0.1101% | 4,200 |
| Net interest margin | 4.0539% | 570 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.6121% | 1,687 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.5775% | 692 |
| Return on assets (ROA) | 1.5775% | 671 |
| Pretax return on assets | 1.9933% | 473 |
| Return on Equity (ROE) | 19.6300% | 468 |
| Retained earnings to average equity (ytd only) | 11.2705% | 977 |
| Net charge-offs to loans | 0.0574% | 906 |
| Credit loss provision to net charge-offs | 394.8718% | 712 |
| Earnings coverage of net charge-offs (x) | 56.0641% | 1,224 |
| Efficiency ratio | 54.9175% | 3,734 |
| Assets per employee ($millions) | 9.2529% | 815 |
| Cash dividends to net income (ytd only)* | 42.5863% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,059 |
| Loan loss allowance to noncurrent loans | 207,200.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,048 |
| Noncurrent loans to loans | 0.0005% | 3,985 |
| Net loans and leases to total assets | 67.6700% | 1,712 |
| Net loans and leases to deposits | 74.0500% | 2,041 |
| Net loans and leases to core deposits | 74.6786% | 2,299 |
| Total domestic deposits to total assets | 91.3800% | 1,086 |
| Equity capital to assets | 8.2836% | 2,696 |
| Core capital (leverage) ratio | 8.2079% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3585% | 2,337 |
| Memoranda: | ||
| Average total assets | $271,903,250 | 2,615 |
| Average earning assets | $256,831,000 | 2,591 |
| Average equity | $21,850,000 | 2,834 |
| Average total loans | $181,265,500 | 2,367 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 1,039 |
| Cost of funding earning assets | 0.0839% | 4,335 |
| Net interest margin | 3.8607% | 664 |
| Noninterest income to average assets | 1.0355% | 620 |
| Noninterest expense to average assets | 2.6688% | 1,463 |
| Loan and lease loss provision to assets | 0.1689% | 543 |
| Net operating income to assets | 1.4637% | 771 |
| Return on assets (ROA) | 1.4637% | 751 |
| Pretax return on assets | 1.8451% | 537 |
| Return on Equity (ROE) | 18.4082% | 426 |
| Retained earnings to average equity (ytd only) | 8.3936% | 1,478 |
| Net charge-offs to loans | 0.0729% | 727 |
| Credit loss provision to net charge-offs | 350.7692% | 745 |
| Earnings coverage of net charge-offs (x) | 41.8308% | 1,237 |
| Efficiency ratio | 56.9915% | 3,683 |
| Assets per employee ($millions) | 8.6406% | 1,007 |
| Cash dividends to net income (ytd only)* | 54.4028% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,117 |
| Loan loss allowance to noncurrent loans | 200,500.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,086 |
| Noncurrent loans to loans | 0.0006% | 4,020 |
| Net loans and leases to total assets | 64.4431% | 1,856 |
| Net loans and leases to deposits | 70.2471% | 2,181 |
| Net loans and leases to core deposits | 70.8429% | 2,422 |
| Total domestic deposits to total assets | 91.7377% | 952 |
| Equity capital to assets | 7.9740% | 3,143 |
| Core capital (leverage) ratio | 8.0427% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3259% | 2,366 |
| Memoranda: | ||
| Average total assets | $270,009,000 | 2,650 |
| Average earning assets | $255,082,667 | 2,635 |
| Average equity | $21,468,667 | 2,945 |
| Average total loans | $178,383,667 | 2,391 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 1,165 |
| Cost of funding earning assets | 0.0715% | 4,434 |
| Net interest margin | 3.6871% | 765 |
| Noninterest income to average assets | 1.0661% | 601 |
| Noninterest expense to average assets | 2.7335% | 1,283 |
| Loan and lease loss provision to assets | 0.2654% | 238 |
| Net operating income to assets | 1.2206% | 1,198 |
| Return on assets (ROA) | 1.2206% | 1,181 |
| Pretax return on assets | 1.5474% | 927 |
| Return on Equity (ROE) | 15.3737% | 602 |
| Retained earnings to average equity (ytd only) | 1.2087% | 3,772 |
| Net charge-offs to loans | 0.1262% | 444 |
| Credit loss provision to net charge-offs | 316.0714% | 651 |
| Earnings coverage of net charge-offs (x) | 21.5893% | 1,254 |
| Efficiency ratio | 60.1253% | 3,473 |
| Assets per employee ($millions) | 8.5445% | 1,087 |
| Cash dividends to net income (ytd only)* | 92.1376% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,355 |
| Loan loss allowance to noncurrent loans | 286.9883% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 2,145 |
| Noncurrent loans to loans | 0.3806% | 2,127 |
| Net loans and leases to total assets | 65.0075% | 1,503 |
| Net loans and leases to deposits | 70.7340% | 1,889 |
| Net loans and leases to core deposits | 71.3258% | 2,171 |
| Total domestic deposits to total assets | 91.9041% | 616 |
| Equity capital to assets | 7.7575% | 3,762 |
| Core capital (leverage) ratio | 8.0606% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7393% | 2,700 |
| Memoranda: | ||
| Average total assets | $266,764,500 | 2,683 |
| Average earning assets | $251,799,500 | 2,671 |
| Average equity | $21,179,000 | 3,045 |
| Average total loans | $177,481,000 | 2,399 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 1,037 |
| Cost of funding earning assets | 0.0783% | 4,542 |
| Net interest margin | 4.0959% | 601 |
| Noninterest income to average assets | 1.1502% | 799 |
| Noninterest expense to average assets | 2.9863% | 1,006 |
| Loan and lease loss provision to assets | 0.2552% | 360 |
| Net operating income to assets | 1.3666% | 1,389 |
| Return on assets (ROA) | 1.3666% | 1,439 |
| Pretax return on assets | 1.7428% | 1,037 |
| Return on Equity (ROE) | 16.0610% | 753 |
| Retained earnings to average equity (ytd only) | 13.3074% | 367 |
| Net charge-offs to loans | 0.0395% | 1,470 |
| Credit loss provision to net charge-offs | 981.9672% | 543 |
| Earnings coverage of net charge-offs (x) | 76.8852% | 1,020 |
| Efficiency ratio | 59.9145% | 3,162 |
| Assets per employee ($millions) | 7.6501% | 1,524 |
| Cash dividends to net income (ytd only)* | 17.1446% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,570 |
| Loan loss allowance to noncurrent loans | 244.2971% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 2,084 |
| Noncurrent loans to loans | 0.4302% | 2,065 |
| Net loans and leases to total assets | 66.6696% | 1,411 |
| Net loans and leases to deposits | 72.7545% | 1,833 |
| Net loans and leases to core deposits | 73.4739% | 2,118 |
| Total domestic deposits to total assets | 91.6365% | 281 |
| Equity capital to assets | 8.1302% | 4,286 |
| Core capital (leverage) ratio | 8.3968% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2736% | 2,539 |
| Memoranda: | ||
| Average total assets | $234,739,400 | 2,819 |
| Average earning assets | $219,733,200 | 2,813 |
| Average equity | $19,973,800 | 3,221 |
| Average total loans | $154,531,200 | 2,593 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 1,123 |
| Cost of funding earning assets | 0.0832% | 4,622 |
| Net interest margin | 4.1098% | 641 |
| Noninterest income to average assets | 1.2189% | 770 |
| Noninterest expense to average assets | 3.0262% | 925 |
| Loan and lease loss provision to assets | 0.2982% | 269 |
| Net operating income to assets | 1.3537% | 1,677 |
| Return on assets (ROA) | 1.3537% | 1,733 |
| Pretax return on assets | 1.7297% | 1,334 |
| Return on Equity (ROE) | 15.7106% | 1,003 |
| Retained earnings to average equity (ytd only) | 15.3719% | 348 |
| Net charge-offs to loans | 0.0348% | 1,382 |
| Credit loss provision to net charge-offs | 1,310.2564% | 444 |
| Earnings coverage of net charge-offs (x) | 89.0769% | 929 |
| Efficiency ratio | 59.8753% | 2,990 |
| Assets per employee ($millions) | 7.6446% | 1,473 |
| Cash dividends to net income (ytd only)* | 2.1561% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,665 |
| Loan loss allowance to noncurrent loans | 248.7395% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 2,313 |
| Noncurrent loans to loans | 0.4219% | 2,302 |
| Net loans and leases to total assets | 68.4517% | 1,265 |
| Net loans and leases to deposits | 75.1206% | 1,753 |
| Net loans and leases to core deposits | 75.9151% | 2,057 |
| Total domestic deposits to total assets | 91.1224% | 330 |
| Equity capital to assets | 8.4859% | 4,223 |
| Core capital (leverage) ratio | 8.6321% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3751% | 2,592 |
| Memoranda: | ||
| Average total assets | $228,398,000 | 2,886 |
| Average earning assets | $213,143,500 | 2,883 |
| Average equity | $19,680,500 | 3,285 |
| Average total loans | $149,350,750 | 2,680 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 1,032 |
| Cost of funding earning assets | 0.0895% | 4,641 |
| Net interest margin | 4.1943% | 591 |
| Noninterest income to average assets | 1.3265% | 669 |
| Noninterest expense to average assets | 3.0298% | 937 |
| Loan and lease loss provision to assets | 0.2996% | 284 |
| Net operating income to assets | 1.4853% | 1,336 |
| Return on assets (ROA) | 1.4853% | 1,393 |
| Pretax return on assets | 1.9050% | 1,010 |
| Return on Equity (ROE) | 17.1420% | 758 |
| Retained earnings to average equity (ytd only) | 16.6244% | 294 |
| Net charge-offs to loans | 0.0196% | 1,548 |
| Credit loss provision to net charge-offs | 2,385.7143% | 257 |
| Earnings coverage of net charge-offs (x) | 175.5714% | 536 |
| Efficiency ratio | 57.8821% | 3,301 |
| Assets per employee ($millions) | 6.9163% | 1,867 |
| Cash dividends to net income (ytd only)* | 3.0193% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,737 |
| Loan loss allowance to noncurrent loans | 343.3404% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 2,946 |
| Noncurrent loans to loans | 0.2992% | 2,858 |
| Net loans and leases to total assets | 66.5313% | 1,628 |
| Net loans and leases to deposits | 73.0735% | 2,099 |
| Net loans and leases to core deposits | 73.7910% | 2,430 |
| Total domestic deposits to total assets | 91.0471% | 359 |
| Equity capital to assets | 8.5459% | 4,163 |
| Core capital (leverage) ratio | 8.6311% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3337% | 2,236 |
| Memoranda: | ||
| Average total assets | $222,988,000 | 2,917 |
| Average earning assets | $207,756,000 | 2,917 |
| Average equity | $19,321,000 | 3,299 |
| Average total loans | $142,725,000 | 2,754 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 1,223 |
| Cost of funding earning assets | 0.0990% | 4,652 |
| Net interest margin | 4.0868% | 732 |
| Noninterest income to average assets | 1.5214% | 585 |
| Noninterest expense to average assets | 3.0944% | 845 |
| Loan and lease loss provision to assets | 0.0461% | 2,158 |
| Net operating income to assets | 1.7261% | 900 |
| Return on assets (ROA) | 1.7261% | 949 |
| Pretax return on assets | 2.1871% | 706 |
| Return on Equity (ROE) | 19.7745% | 551 |
| Retained earnings to average equity (ytd only) | 18.7181% | 328 |
| Net charge-offs to loans | 0.0178% | 1,393 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 201.8333% | 393 |
| Efficiency ratio | 58.0824% | 3,288 |
| Assets per employee ($millions) | 6.5639% | 2,121 |
| Cash dividends to net income (ytd only)* | 5.3419% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 3,889 |
| Loan loss allowance to noncurrent loans | 8,268.7500% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,335 |
| Noncurrent loans to loans | 0.0119% | 4,251 |
| Net loans and leases to total assets | 59.5196% | 2,598 |
| Net loans and leases to deposits | 65.4456% | 2,983 |
| Net loans and leases to core deposits | 66.2027% | 3,225 |
| Total domestic deposits to total assets | 90.9451% | 423 |
| Equity capital to assets | 8.6825% | 3,974 |
| Core capital (leverage) ratio | 9.0746% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,905,000 | 2,952 |
| Average earning assets | $202,014,000 | 2,954 |
| Average equity | $18,933,500 | 3,336 |
| Average total loans | $135,050,000 | 2,834 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 1,114 |
| Cost of funding earning assets | 0.1950% | 4,597 |
| Net interest margin | 4.3932% | 412 |
| Noninterest income to average assets | 1.2786% | 697 |
| Noninterest expense to average assets | 3.2314% | 1,004 |
| Loan and lease loss provision to assets | 0.1043% | 3,033 |
| Net operating income to assets | 1.6353% | 593 |
| Return on assets (ROA) | 1.6353% | 641 |
| Pretax return on assets | 2.0774% | 384 |
| Return on Equity (ROE) | 18.5365% | 301 |
| Retained earnings to average equity (ytd only) | 18.0518% | 86 |
| Net charge-offs to loans | 0.0427% | 2,203 |
| Credit loss provision to net charge-offs | 370.3704% | 1,524 |
| Earnings coverage of net charge-offs (x) | 77.4815% | 915 |
| Efficiency ratio | 59.6956% | 3,496 |
| Assets per employee ($millions) | 6.5824% | 1,863 |
| Cash dividends to net income (ytd only)* | 2.6148% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,004 |
| Loan loss allowance to noncurrent loans | 18,628.5714% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,449 |
| Noncurrent loans to loans | 0.0051% | 4,374 |
| Net loans and leases to total assets | 63.9210% | 2,375 |
| Net loans and leases to deposits | 70.3852% | 2,836 |
| Net loans and leases to core deposits | 71.2486% | 3,156 |
| Total domestic deposits to total assets | 90.8160% | 274 |
| Equity capital to assets | 8.7781% | 4,239 |
| Core capital (leverage) ratio | 8.9014% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,773,800 | 3,015 |
| Average earning assets | $180,485,200 | 2,995 |
| Average equity | $16,918,000 | 3,459 |
| Average total loans | $126,336,800 | 2,905 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 872 |
| Cost of funding earning assets | 0.2161% | 4,617 |
| Net interest margin | 4.5910% | 312 |
| Noninterest income to average assets | 1.1312% | 822 |
| Noninterest expense to average assets | 3.2410% | 996 |
| Loan and lease loss provision to assets | 0.1427% | 2,593 |
| Net operating income to assets | 1.6380% | 668 |
| Return on assets (ROA) | 1.6380% | 735 |
| Pretax return on assets | 2.0785% | 440 |
| Return on Equity (ROE) | 18.5411% | 323 |
| Retained earnings to average equity (ytd only) | 17.8795% | 112 |
| Net charge-offs to loans | 0.0387% | 2,076 |
| Credit loss provision to net charge-offs | 555.5556% | 1,213 |
| Earnings coverage of net charge-offs (x) | 86.5556% | 874 |
| Efficiency ratio | 59.3371% | 3,480 |
| Assets per employee ($millions) | 6.4474% | 1,876 |
| Cash dividends to net income (ytd only)* | 3.5683% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 3,779 |
| Loan loss allowance to noncurrent loans | 26,440.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,364 |
| Noncurrent loans to loans | 0.0037% | 4,446 |
| Net loans and leases to total assets | 64.5392% | 2,699 |
| Net loans and leases to deposits | 70.8190% | 3,232 |
| Net loans and leases to core deposits | 71.8209% | 3,487 |
| Total domestic deposits to total assets | 91.1326% | 146 |
| Equity capital to assets | 8.5557% | 4,433 |
| Core capital (leverage) ratio | 8.7420% | 4,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,057,750 | 3,037 |
| Average earning assets | $176,457,500 | 3,014 |
| Average equity | $16,525,000 | 3,505 |
| Average total loans | $123,934,500 | 2,945 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 720 |
| Cost of funding earning assets | 0.2453% | 4,635 |
| Net interest margin | 4.8292% | 269 |
| Noninterest income to average assets | 1.1736% | 725 |
| Noninterest expense to average assets | 3.2485% | 1,077 |
| Loan and lease loss provision to assets | 0.2214% | 1,885 |
| Net operating income to assets | 1.7815% | 523 |
| Return on assets (ROA) | 1.7815% | 571 |
| Pretax return on assets | 2.2598% | 326 |
| Return on Equity (ROE) | 19.9265% | 249 |
| Retained earnings to average equity (ytd only) | 18.9110% | 106 |
| Net charge-offs to loans | 0.0465% | 1,822 |
| Credit loss provision to net charge-offs | 714.2857% | 991 |
| Earnings coverage of net charge-offs (x) | 80.0357% | 806 |
| Efficiency ratio | 56.6957% | 3,861 |
| Assets per employee ($millions) | 6.2018% | 2,021 |
| Cash dividends to net income (ytd only)* | 5.0963% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,456 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 64.0132% | 2,878 |
| Net loans and leases to deposits | 70.2729% | 3,394 |
| Net loans and leases to core deposits | 71.4097% | 3,624 |
| Total domestic deposits to total assets | 91.0924% | 133 |
| Equity capital to assets | 8.5474% | 4,450 |
| Core capital (leverage) ratio | 9.1577% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,637,667 | 3,069 |
| Average earning assets | $170,423,000 | 3,041 |
| Average equity | $16,149,333 | 3,536 |
| Average total loans | $120,420,000 | 2,980 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 1,493 |
| Cost of funding earning assets | 0.3041% | 4,650 |
| Net interest margin | 4.4696% | 543 |
| Noninterest income to average assets | 1.0109% | 837 |
| Noninterest expense to average assets | 3.2913% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5303% | 726 |
| Return on assets (ROA) | 1.5303% | 794 |
| Pretax return on assets | 1.9310% | 531 |
| Return on Equity (ROE) | 16.6937% | 367 |
| Retained earnings to average equity (ytd only) | 15.6519% | 159 |
| Net charge-offs to loans | 0.0584% | 1,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 48.7647% | 914 |
| Efficiency ratio | 63.0241% | 3,367 |
| Assets per employee ($millions) | 5.5144% | 2,107 |
| Cash dividends to net income (ytd only)* | 6.2405% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,862 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,514 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.3824% | 2,492 |
| Net loans and leases to deposits | 75.7242% | 3,096 |
| Net loans and leases to core deposits | 77.4388% | 3,393 |
| Total domestic deposits to total assets | 90.3045% | 238 |
| Equity capital to assets | 9.3889% | 4,321 |
| Core capital (leverage) ratio | 9.3945% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,727,000 | 3,120 |
| Average earning assets | $161,803,000 | 3,093 |
| Average equity | $15,742,500 | 3,581 |
| Average total loans | $116,445,000 | 2,993 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,817 |
| Cost of funding earning assets | 0.4129% | 4,404 |
| Net interest margin | 4.4643% | 776 |
| Noninterest income to average assets | 1.0090% | 952 |
| Noninterest expense to average assets | 3.4594% | 1,018 |
| Loan and lease loss provision to assets | 0.0191% | 3,635 |
| Net operating income to assets | 1.3460% | 1,516 |
| Return on assets (ROA) | 1.3465% | 1,597 |
| Pretax return on assets | 1.7360% | 1,092 |
| Return on Equity (ROE) | 15.2816% | 636 |
| Retained earnings to average equity (ytd only) | 8.0476% | 962 |
| Net charge-offs to loans | 0.1014% | 1,708 |
| Credit loss provision to net charge-offs | 29.0909% | 3,276 |
| Earnings coverage of net charge-offs (x) | 26.7000% | 1,691 |
| Efficiency ratio | 66.3497% | 2,715 |
| Assets per employee ($millions) | 5.7503% | 1,831 |
| Cash dividends to net income (ytd only)* | 47.3381% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,447 |
| Loan loss allowance to noncurrent loans | 1,781.5385% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,315 |
| Noncurrent loans to loans | 0.0566% | 4,311 |
| Net loans and leases to total assets | 65.9065% | 2,964 |
| Net loans and leases to deposits | 72.5584% | 3,470 |
| Net loans and leases to core deposits | 74.7967% | 3,658 |
| Total domestic deposits to total assets | 90.8323% | 139 |
| Equity capital to assets | 8.9474% | 4,713 |
| Core capital (leverage) ratio | 8.9853% | 4,541 |
| Tier 1 risk-based capital ratio | 14.4744% | 3,031 |
| Total risk-based capital ratio | 15.5603% | 3,031 |
| Memoranda: | ||
| Average total assets | $167,399,000 | 3,129 |
| Average earning assets | $157,671,800 | 3,106 |
| Average equity | $14,749,800 | 3,661 |
| Average total loans | $108,443,800 | 3,107 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 1,982 |
| Cost of funding earning assets | 0.4280% | 4,406 |
| Net interest margin | 4.4189% | 912 |
| Noninterest income to average assets | 1.0113% | 916 |
| Noninterest expense to average assets | 3.2168% | 1,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5161% | 1,146 |
| Return on assets (ROA) | 1.5161% | 1,202 |
| Pretax return on assets | 1.9543% | 760 |
| Return on Equity (ROE) | 17.2761% | 452 |
| Retained earnings to average equity (ytd only) | 7.5177% | 1,611 |
| Net charge-offs to loans | 0.0874% | 1,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.7861% | 1,487 |
| Efficiency ratio | 62.2070% | 3,297 |
| Assets per employee ($millions) | 5.2742% | 2,255 |
| Cash dividends to net income (ytd only)* | 56.4850% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,036 |
| Loan loss allowance to noncurrent loans | 147.2222% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 2,553 |
| Noncurrent loans to loans | 0.7462% | 2,098 |
| Net loans and leases to total assets | 62.2007% | 3,473 |
| Net loans and leases to deposits | 68.4770% | 3,888 |
| Net loans and leases to core deposits | 70.9411% | 4,001 |
| Total domestic deposits to total assets | 90.8344% | 119 |
| Equity capital to assets | 8.9286% | 4,813 |
| Core capital (leverage) ratio | 8.9057% | 4,707 |
| Tier 1 risk-based capital ratio | 14.4887% | 3,079 |
| Total risk-based capital ratio | 15.6098% | 3,057 |
| Memoranda: | ||
| Average total assets | $166,121,750 | 3,174 |
| Average earning assets | $156,386,250 | 3,152 |
| Average equity | $14,578,500 | 3,709 |
| Average total loans | $106,841,750 | 3,169 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8298% | 1,969 |
| Cost of funding earning assets | 0.4336% | 4,379 |
| Net interest margin | 4.3962% | 946 |
| Noninterest income to average assets | 0.9005% | 1,073 |
| Noninterest expense to average assets | 3.1845% | 1,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4246% | 1,362 |
| Return on assets (ROA) | 1.4246% | 1,415 |
| Pretax return on assets | 1.8519% | 931 |
| Return on Equity (ROE) | 16.3302% | 541 |
| Retained earnings to average equity (ytd only) | 7.5061% | 1,592 |
| Net charge-offs to loans | 0.0915% | 1,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 31.2245% | 1,431 |
| Efficiency ratio | 63.2300% | 3,251 |
| Assets per employee ($millions) | 4.9194% | 2,584 |
| Cash dividends to net income (ytd only)* | 54.0357% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 2,944 |
| Loan loss allowance to noncurrent loans | 10,790.9091% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 4,623 |
| Noncurrent loans to loans | 0.0104% | 4,675 |
| Net loans and leases to total assets | 62.5138% | 3,491 |
| Net loans and leases to deposits | 68.8049% | 3,916 |
| Net loans and leases to core deposits | 71.4115% | 4,038 |
| Total domestic deposits to total assets | 90.8567% | 121 |
| Equity capital to assets | 8.8414% | 4,885 |
| Core capital (leverage) ratio | 8.8868% | 4,724 |
| Tier 1 risk-based capital ratio | 14.9581% | 2,864 |
| Total risk-based capital ratio | 16.1587% | 2,802 |
| Memoranda: | ||
| Average total assets | $165,238,000 | 3,196 |
| Average earning assets | $155,451,330 | 3,175 |
| Average equity | $14,415,000 | 3,733 |
| Average total loans | $107,074,330 | 3,182 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 2,083 |
| Cost of funding earning assets | 0.4324% | 4,359 |
| Net interest margin | 4.3082% | 1,076 |
| Noninterest income to average assets | 0.8354% | 1,201 |
| Noninterest expense to average assets | 3.1615% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2690% | 1,819 |
| Return on assets (ROA) | 1.2690% | 1,868 |
| Pretax return on assets | 1.7269% | 1,151 |
| Return on Equity (ROE) | 14.6467% | 829 |
| Retained earnings to average equity (ytd only) | -1.1245% | 4,664 |
| Net charge-offs to loans | 0.1077% | 1,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 24.4483% | 1,452 |
| Efficiency ratio | 64.6736% | 3,137 |
| Assets per employee ($millions) | 5.2783% | 2,194 |
| Cash dividends to net income (ytd only)* | 107.6775% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,066 |
| Loan loss allowance to noncurrent loans | 8,621.4286% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 4,679 |
| Noncurrent loans to loans | 0.0129% | 4,728 |
| Net loans and leases to total assets | 63.6553% | 3,329 |
| Net loans and leases to deposits | 69.7008% | 3,782 |
| Net loans and leases to core deposits | 72.8095% | 3,884 |
| Total domestic deposits to total assets | 91.3265% | 113 |
| Equity capital to assets | 8.4101% | 5,036 |
| Core capital (leverage) ratio | 8.9204% | 4,705 |
| Tier 1 risk-based capital ratio | 14.0355% | 3,325 |
| Total risk-based capital ratio | 15.2279% | 3,264 |
| Memoranda: | ||
| Average total assets | $164,227,500 | 3,247 |
| Average earning assets | $154,497,500 | 3,219 |
| Average equity | $14,228,500 | 3,769 |
| Average total loans | $107,738,000 | 3,201 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 1,380 |
| Cost of funding earning assets | 0.3097% | 4,523 |
| Net interest margin | 4.5550% | 684 |
| Noninterest income to average assets | 0.9628% | 1,035 |
| Noninterest expense to average assets | 3.4143% | 1,126 |
| Loan and lease loss provision to assets | 0.0512% | 3,161 |
| Net operating income to assets | 1.3604% | 1,570 |
| Return on assets (ROA) | 1.3604% | 1,557 |
| Pretax return on assets | 1.7353% | 1,081 |
| Return on Equity (ROE) | 15.1914% | 780 |
| Retained earnings to average equity (ytd only) | 7.8452% | 1,309 |
| Net charge-offs to loans | 0.2865% | 676 |
| Credit loss provision to net charge-offs | 27.3356% | 3,365 |
| Earnings coverage of net charge-offs (x) | 9.5467% | 2,802 |
| Efficiency ratio | 65.6499% | 2,923 |
| Assets per employee ($millions) | 4.9859% | 2,522 |
| Cash dividends to net income (ytd only)* | 48.3579% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 2,783 |
| Loan loss allowance to noncurrent loans | 17,657.1429% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 4,716 |
| Noncurrent loans to loans | 0.0066% | 4,791 |
| Net loans and leases to total assets | 66.1335% | 3,111 |
| Net loans and leases to deposits | 72.8229% | 3,600 |
| Net loans and leases to core deposits | 75.7185% | 3,742 |
| Total domestic deposits to total assets | 90.8142% | 247 |
| Equity capital to assets | 8.9326% | 4,630 |
| Core capital (leverage) ratio | 8.9984% | 4,658 |
| Tier 1 risk-based capital ratio | 14.5000% | 3,061 |
| Total risk-based capital ratio | 15.7498% | 2,978 |
| Memoranda: | ||
| Average total assets | $154,439,600 | 3,341 |
| Average earning assets | $143,689,800 | 3,327 |
| Average equity | $13,830,200 | 3,773 |
| Average total loans | $100,867,200 | 3,278 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 1,372 |
| Cost of funding earning assets | 0.2813% | 4,624 |
| Net interest margin | 4.5393% | 684 |
| Noninterest income to average assets | 0.9454% | 1,069 |
| Noninterest expense to average assets | 3.2784% | 1,349 |
| Loan and lease loss provision to assets | 0.0688% | 2,601 |
| Net operating income to assets | 1.4390% | 1,363 |
| Return on assets (ROA) | 1.4390% | 1,364 |
| Pretax return on assets | 1.8124% | 988 |
| Return on Equity (ROE) | 16.0581% | 689 |
| Retained earnings to average equity (ytd only) | 8.8402% | 1,286 |
| Net charge-offs to loans | 0.3729% | 434 |
| Credit loss provision to net charge-offs | 28.4173% | 2,972 |
| Earnings coverage of net charge-offs (x) | 7.7733% | 2,776 |
| Efficiency ratio | 63.5397% | 3,264 |
| Assets per employee ($millions) | 5.0602% | 2,396 |
| Cash dividends to net income (ytd only)* | 44.9486% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,715 |
| Loan loss allowance to noncurrent loans | 1,979.3651% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,653 |
| Noncurrent loans to loans | 0.0598% | 4,624 |
| Net loans and leases to total assets | 66.3124% | 3,144 |
| Net loans and leases to deposits | 73.0197% | 3,675 |
| Net loans and leases to core deposits | 75.4837% | 3,839 |
| Total domestic deposits to total assets | 90.8144% | 265 |
| Equity capital to assets | 8.9689% | 4,579 |
| Core capital (leverage) ratio | 8.9277% | 4,770 |
| Tier 1 risk-based capital ratio | 14.7001% | 3,018 |
| Total risk-based capital ratio | 15.9506% | 2,946 |
| Memoranda: | ||
| Average total assets | $153,162,000 | 3,380 |
| Average earning assets | $142,191,000 | 3,367 |
| Average equity | $13,724,750 | 3,815 |
| Average total loans | $99,396,000 | 3,333 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,773 |
| Cost of funding earning assets | 0.2549% | 4,729 |
| Net interest margin | 4.3485% | 941 |
| Noninterest income to average assets | 0.9913% | 976 |
| Noninterest expense to average assets | 3.2463% | 1,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4020% | 1,437 |
| Return on assets (ROA) | 1.4020% | 1,438 |
| Pretax return on assets | 1.7653% | 1,050 |
| Return on Equity (ROE) | 15.6503% | 737 |
| Retained earnings to average equity (ytd only) | 13.5489% | 317 |
| Net charge-offs to loans | 0.4639% | 329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.9336% | 2,672 |
| Efficiency ratio | 64.7754% | 3,196 |
| Assets per employee ($millions) | 4.6264% | 2,933 |
| Cash dividends to net income (ytd only)* | 13.4272% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,692 |
| Loan loss allowance to noncurrent loans | 5,304.3478% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 4,828 |
| Noncurrent loans to loans | 0.0227% | 4,829 |
| Net loans and leases to total assets | 63.6891% | 3,432 |
| Net loans and leases to deposits | 70.0684% | 3,850 |
| Net loans and leases to core deposits | 72.2833% | 3,987 |
| Total domestic deposits to total assets | 90.8956% | 274 |
| Equity capital to assets | 8.9499% | 4,600 |
| Core capital (leverage) ratio | 9.1141% | 4,568 |
| Tier 1 risk-based capital ratio | 15.1602% | 2,796 |
| Total risk-based capital ratio | 16.4099% | 2,716 |
| Memoranda: | ||
| Average total assets | $151,927,670 | 3,407 |
| Average earning assets | $140,461,670 | 3,407 |
| Average equity | $13,610,000 | 3,855 |
| Average total loans | $97,438,670 | 3,383 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 2,152 |
| Cost of funding earning assets | 0.2180% | 4,909 |
| Net interest margin | 4.1957% | 1,185 |
| Noninterest income to average assets | 1.0316% | 855 |
| Noninterest expense to average assets | 3.1081% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4629% | 1,168 |
| Return on assets (ROA) | 1.4629% | 1,169 |
| Pretax return on assets | 1.8434% | 840 |
| Return on Equity (ROE) | 16.2724% | 580 |
| Retained earnings to average equity (ytd only) | 13.2027% | 495 |
| Net charge-offs to loans | 0.2388% | 640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 12.0702% | 1,817 |
| Efficiency ratio | 62.7706% | 3,667 |
| Assets per employee ($millions) | 4.6254% | 2,973 |
| Cash dividends to net income (ytd only)* | 18.8645% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 1,621 |
| Loan loss allowance to noncurrent loans | 6,945.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,917 |
| Noncurrent loans to loans | 0.0210% | 4,891 |
| Net loans and leases to total assets | 61.4628% | 3,609 |
| Net loans and leases to deposits | 67.7140% | 3,967 |
| Net loans and leases to core deposits | 68.9188% | 4,159 |
| Total domestic deposits to total assets | 90.7683% | 393 |
| Equity capital to assets | 8.9081% | 4,650 |
| Core capital (leverage) ratio | 9.0661% | 4,610 |
| Tier 1 risk-based capital ratio | 14.9323% | 2,893 |
| Total risk-based capital ratio | 16.1858% | 2,827 |
| Memoranda: | ||
| Average total assets | $149,288,000 | 3,477 |
| Average earning assets | $139,477,000 | 3,455 |
| Average equity | $13,421,500 | 3,912 |
| Average total loans | $95,457,500 | 3,434 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,658 |
| Cost of funding earning assets | 0.1670% | 5,176 |
| Net interest margin | 4.0419% | 1,618 |
| Noninterest income to average assets | 0.8850% | 1,314 |
| Noninterest expense to average assets | 3.5636% | 940 |
| Loan and lease loss provision to assets | 0.0591% | 3,054 |
| Net operating income to assets | 0.9649% | 2,383 |
| Return on assets (ROA) | 0.9420% | 2,517 |
| Pretax return on assets | 0.9420% | 3,772 |
| Return on Equity (ROE) | 10.4000% | 1,721 |
| Retained earnings to average equity (ytd only) | 0.9901% | 4,630 |
| Net charge-offs to loans | 0.0221% | 3,361 |
| Credit loss provision to net charge-offs | 404.7619% | 751 |
| Earnings coverage of net charge-offs (x) | 70.1429% | 854 |
| Efficiency ratio | 77.6784% | 1,397 |
| Assets per employee ($millions) | 4.4224% | 3,317 |
| Cash dividends to net income (ytd only)* | 90.4797% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,373 |
| Loan loss allowance to noncurrent loans | 144,600.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 5,006 |
| Noncurrent loans to loans | 0.0010% | 5,073 |
| Net loans and leases to total assets | 64.5921% | 3,283 |
| Net loans and leases to deposits | 71.1665% | 3,779 |
| Net loans and leases to core deposits | 73.2053% | 3,952 |
| Total domestic deposits to total assets | 90.7619% | 315 |
| Equity capital to assets | 9.0764% | 4,643 |
| Core capital (leverage) ratio | 8.9255% | 4,733 |
| Tier 1 risk-based capital ratio | 14.7296% | 2,974 |
| Total risk-based capital ratio | 15.9844% | 2,908 |
| Memoranda: | ||
| Average total assets | $143,842,000 | 3,553 |
| Average earning assets | $131,770,600 | 3,567 |
| Average equity | $13,028,800 | 3,978 |
| Average total loans | $94,971,400 | 3,435 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 2,839 |
| Cost of funding earning assets | 0.1538% | 5,292 |
| Net interest margin | 3.9854% | 1,758 |
| Noninterest income to average assets | 0.8922% | 1,295 |
| Noninterest expense to average assets | 3.5063% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0261% | 2,436 |
| Return on assets (ROA) | 1.0261% | 2,481 |
| Pretax return on assets | 1.0261% | 3,582 |
| Return on Equity (ROE) | 11.3348% | 1,556 |
| Retained earnings to average equity (ytd only) | 0.0308% | 5,201 |
| Net charge-offs to loans | 0.0141% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 110.3248% | 653 |
| Efficiency ratio | 77.3604% | 1,412 |
| Assets per employee ($millions) | 4.5480% | 3,055 |
| Cash dividends to net income (ytd only)* | 99.7280% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,658 |
| Loan loss allowance to noncurrent loans | 45,733.3333% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 5,101 |
| Noncurrent loans to loans | 0.0032% | 5,143 |
| Net loans and leases to total assets | 61.4369% | 3,725 |
| Net loans and leases to deposits | 67.5841% | 4,139 |
| Net loans and leases to core deposits | 69.1969% | 4,295 |
| Total domestic deposits to total assets | 90.9044% | 206 |
| Equity capital to assets | 8.7458% | 5,124 |
| Core capital (leverage) ratio | 9.0961% | 4,636 |
| Tier 1 risk-based capital ratio | 14.4645% | 3,204 |
| Total risk-based capital ratio | 15.7173% | 3,112 |
| Memoranda: | ||
| Average total assets | $143,317,750 | 3,596 |
| Average earning assets | $130,908,000 | 3,614 |
| Average equity | $12,974,500 | 4,028 |
| Average total loans | $94,786,500 | 3,466 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 3,053 |
| Cost of funding earning assets | 0.1469% | 5,358 |
| Net interest margin | 3.8911% | 1,962 |
| Noninterest income to average assets | 0.8549% | 1,407 |
| Noninterest expense to average assets | 3.5502% | 937 |
| Loan and lease loss provision to assets | 0.0397% | 3,214 |
| Net operating income to assets | 0.8337% | 3,228 |
| Return on assets (ROA) | 0.8337% | 3,282 |
| Pretax return on assets | 0.8337% | 4,148 |
| Return on Equity (ROE) | 9.0994% | 2,465 |
| Retained earnings to average equity (ytd only) | -4.0390% | 5,492 |
| Net charge-offs to loans | 0.0021% | 3,441 |
| Credit loss provision to net charge-offs | 2,800.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 616.0000% | 126 |
| Efficiency ratio | 80.2564% | 1,184 |
| Assets per employee ($millions) | 4.3682% | 3,315 |
| Cash dividends to net income (ytd only)* | 144.3878% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,572 |
| Loan loss allowance to noncurrent loans | 869.7531% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 4,749 |
| Noncurrent loans to loans | 0.1727% | 4,430 |
| Net loans and leases to total assets | 64.0793% | 3,374 |
| Net loans and leases to deposits | 70.6260% | 3,862 |
| Net loans and leases to core deposits | 72.3837% | 4,067 |
| Total domestic deposits to total assets | 90.7306% | 287 |
| Equity capital to assets | 8.9219% | 4,967 |
| Core capital (leverage) ratio | 10.5646% | 2,850 |
| Tier 1 risk-based capital ratio | 11.5714% | 4,911 |
| Total risk-based capital ratio | 12.8220% | 4,801 |
| Memoranda: | ||
| Average total assets | $141,062,330 | 3,648 |
| Average earning assets | $129,371,670 | 3,651 |
| Average equity | $12,924,000 | 4,046 |
| Average total loans | $95,189,000 | 3,470 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,240 |
| Cost of funding earning assets | 0.0935% | 5,680 |
| Net interest margin | 3.8471% | 1,960 |
| Noninterest income to average assets | 0.8458% | 1,414 |
| Noninterest expense to average assets | 3.3401% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0436% | 2,102 |
| Return on assets (ROA) | 1.0436% | 2,153 |
| Pretax return on assets | 1.0436% | 3,187 |
| Return on Equity (ROE) | 11.2385% | 1,486 |
| Retained earnings to average equity (ytd only) | -9.8182% | 5,576 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1936% | 1,880 |
| Assets per employee ($millions) | 4.0081% | 3,994 |
| Cash dividends to net income (ytd only)* | 187.3626% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,959 |
| Loan loss allowance to noncurrent loans | 17,275.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,349 |
| Noncurrent loans to loans | 0.0083% | 5,219 |
| Net loans and leases to total assets | 68.0180% | 2,681 |
| Net loans and leases to deposits | 74.9967% | 3,306 |
| Net loans and leases to core deposits | 76.7583% | 3,578 |
| Total domestic deposits to total assets | 90.6947% | 392 |
| Equity capital to assets | 9.1257% | 4,685 |
| Core capital (leverage) ratio | 9.3599% | 4,268 |
| Tier 1 risk-based capital ratio | 14.1739% | 3,375 |
| Total risk-based capital ratio | 15.4272% | 3,291 |
| Memoranda: | ||
| Average total assets | $139,518,000 | 3,702 |
| Average earning assets | $128,304,500 | 3,701 |
| Average equity | $12,955,500 | 4,070 |
| Average total loans | $95,893,500 | 3,484 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 2,593 |
| Cost of funding earning assets | 0.1503% | 5,422 |
| Net interest margin | 4.0182% | 1,585 |
| Noninterest income to average assets | 0.9860% | 1,182 |
| Noninterest expense to average assets | 3.4646% | 1,225 |
| Loan and lease loss provision to assets | 0.0433% | 3,516 |
| Net operating income to assets | 1.1326% | 1,761 |
| Return on assets (ROA) | 1.1326% | 1,856 |
| Pretax return on assets | 1.1326% | 2,957 |
| Return on Equity (ROE) | 11.8991% | 1,270 |
| Retained earnings to average equity (ytd only) | 8.4435% | 720 |
| Net charge-offs to loans | 0.0077% | 4,003 |
| Credit loss provision to net charge-offs | 814.2857% | 457 |
| Earnings coverage of net charge-offs (x) | 221.1429% | 316 |
| Efficiency ratio | 74.6603% | 2,188 |
| Assets per employee ($millions) | 4.2046% | 3,613 |
| Cash dividends to net income (ytd only)* | 29.0409% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 1,854 |
| Loan loss allowance to noncurrent loans | 2,424.5614% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 5,190 |
| Noncurrent loans to loans | 0.0600% | 5,003 |
| Net loans and leases to total assets | 67.4619% | 2,859 |
| Net loans and leases to deposits | 74.6974% | 3,448 |
| Net loans and leases to core deposits | 76.1727% | 3,739 |
| Total domestic deposits to total assets | 90.3136% | 510 |
| Equity capital to assets | 9.4479% | 4,329 |
| Core capital (leverage) ratio | 9.4689% | 4,127 |
| Tier 1 risk-based capital ratio | 14.7829% | 3,058 |
| Total risk-based capital ratio | 16.0369% | 3,006 |
| Memoranda: | ||
| Average total assets | $131,646,600 | 3,802 |
| Average earning assets | $119,729,800 | 3,831 |
| Average equity | $12,530,400 | 4,165 |
| Average total loans | $91,000,600 | 3,557 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 2,647 |
| Cost of funding earning assets | 0.1563% | 5,442 |
| Net interest margin | 4.0027% | 1,641 |
| Noninterest income to average assets | 0.9579% | 1,240 |
| Noninterest expense to average assets | 3.2822% | 1,603 |
| Loan and lease loss provision to assets | 0.0298% | 3,643 |
| Net operating income to assets | 1.2741% | 1,369 |
| Return on assets (ROA) | 1.2741% | 1,472 |
| Pretax return on assets | 1.2741% | 2,529 |
| Return on Equity (ROE) | 13.3591% | 957 |
| Retained earnings to average equity (ytd only) | 8.6980% | 910 |
| Net charge-offs to loans | 0.0104% | 3,566 |
| Credit loss provision to net charge-offs | 414.2857% | 821 |
| Earnings coverage of net charge-offs (x) | 181.4887% | 398 |
| Efficiency ratio | 71.5693% | 2,637 |
| Assets per employee ($millions) | 4.6697% | 2,800 |
| Cash dividends to net income (ytd only)* | 34.8912% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 2,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,350 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.5369% | 2,718 |
| Net loans and leases to deposits | 76.0727% | 3,393 |
| Net loans and leases to core deposits | 77.6115% | 3,699 |
| Total domestic deposits to total assets | 90.0939% | 452 |
| Equity capital to assets | 9.5273% | 4,632 |
| Core capital (leverage) ratio | 9.7645% | 3,854 |
| Tier 1 risk-based capital ratio | 14.7453% | 3,165 |
| Total risk-based capital ratio | 15.9990% | 3,105 |
| Memoranda: | ||
| Average total assets | $129,870,500 | 3,856 |
| Average earning assets | $117,716,250 | 3,893 |
| Average equity | $12,385,750 | 4,230 |
| Average total loans | $90,004,250 | 3,592 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 2,754 |
| Cost of funding earning assets | 0.1608% | 5,477 |
| Net interest margin | 3.9671% | 1,749 |
| Noninterest income to average assets | 1.0202% | 1,072 |
| Noninterest expense to average assets | 3.2807% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3232% | 1,216 |
| Return on assets (ROA) | 1.3232% | 1,302 |
| Pretax return on assets | 1.3232% | 2,309 |
| Return on Equity (ROE) | 13.8697% | 858 |
| Retained earnings to average equity (ytd only) | 6.7793% | 1,723 |
| Net charge-offs to loans | 0.0113% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 169.4000% | 376 |
| Efficiency ratio | 71.2589% | 2,779 |
| Assets per employee ($millions) | 4.6083% | 2,858 |
| Cash dividends to net income (ytd only)* | 51.1216% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 1,965 |
| Loan loss allowance to noncurrent loans | 66,350.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,641 |
| Noncurrent loans to loans | 0.0022% | 5,510 |
| Net loans and leases to total assets | 68.7367% | 2,674 |
| Net loans and leases to deposits | 76.3890% | 3,337 |
| Net loans and leases to core deposits | 78.0096% | 3,640 |
| Total domestic deposits to total assets | 89.9824% | 494 |
| Equity capital to assets | 9.7037% | 4,554 |
| Core capital (leverage) ratio | 9.7081% | 3,920 |
| Tier 1 risk-based capital ratio | 13.4769% | 3,927 |
| Total risk-based capital ratio | 14.7287% | 3,830 |
| Memoranda: | ||
| Average total assets | $128,020,000 | 3,916 |
| Average earning assets | $115,652,670 | 3,953 |
| Average equity | $12,213,670 | 4,280 |
| Average total loans | $88,616,330 | 3,640 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,460 |
| Cost of funding earning assets | 0.1682% | 5,482 |
| Net interest margin | 4.0342% | 1,522 |
| Noninterest income to average assets | 0.9756% | 1,134 |
| Noninterest expense to average assets | 3.2122% | 1,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3740% | 1,089 |
| Return on assets (ROA) | 1.3740% | 1,148 |
| Pretax return on assets | 1.3740% | 1,985 |
| Return on Equity (ROE) | 14.5274% | 741 |
| Retained earnings to average equity (ytd only) | 0.1658% | 5,071 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0410% | 3,121 |
| Assets per employee ($millions) | 4.5938% | 2,909 |
| Cash dividends to net income (ytd only)* | 98.8584% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,744 |
| Loan loss allowance to noncurrent loans | 3,415.3846% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,520 |
| Noncurrent loans to loans | 0.0457% | 5,311 |
| Net loans and leases to total assets | 65.2592% | 3,071 |
| Net loans and leases to deposits | 72.1837% | 3,636 |
| Net loans and leases to core deposits | 73.5550% | 3,935 |
| Total domestic deposits to total assets | 90.4071% | 461 |
| Equity capital to assets | 9.3892% | 4,780 |
| Core capital (leverage) ratio | 9.3517% | 4,425 |
| Tier 1 risk-based capital ratio | 13.4901% | 3,981 |
| Total risk-based capital ratio | 14.7445% | 3,907 |
| Memoranda: | ||
| Average total assets | $127,513,500 | 3,953 |
| Average earning assets | $114,123,500 | 4,005 |
| Average equity | $12,060,000 | 4,323 |
| Average total loans | $87,914,500 | 3,652 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 2,877 |
| Cost of funding earning assets | 0.2147% | 5,139 |
| Net interest margin | 3.8950% | 2,047 |
| Noninterest income to average assets | 0.7874% | 1,837 |
| Noninterest expense to average assets | 3.1929% | 1,984 |
| Loan and lease loss provision to assets | 0.1549% | 1,511 |
| Net operating income to assets | 1.0182% | 2,272 |
| Return on assets (ROA) | 1.0781% | 2,085 |
| Pretax return on assets | 1.0781% | 3,161 |
| Return on Equity (ROE) | 11.8960% | 1,330 |
| Retained earnings to average equity (ytd only) | 11.8960% | 261 |
| Net charge-offs to loans | -0.0080% | 5,060 |
| Credit loss provision to net charge-offs | -2,771.4286% | 5,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1297% | 2,724 |
| Assets per employee ($millions) | 4.6815% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 2,128 |
| Loan loss allowance to noncurrent loans | 3,415.3846% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 5,565 |
| Noncurrent loans to loans | 0.0431% | 5,341 |
| Net loans and leases to total assets | 70.5886% | 2,280 |
| Net loans and leases to deposits | 78.1412% | 3,038 |
| Net loans and leases to core deposits | 78.9418% | 3,448 |
| Total domestic deposits to total assets | 90.3347% | 487 |
| Equity capital to assets | 9.5277% | 4,523 |
| Core capital (leverage) ratio | 10.0675% | 3,414 |
| Tier 1 risk-based capital ratio | 12.8758% | 4,404 |
| Total risk-based capital ratio | 14.1278% | 4,297 |
| Memoranda: | ||
| Average total assets | $125,215,000 | 3,980 |
| Average earning assets | $115,046,000 | 3,981 |
| Average equity | $11,348,400 | 4,417 |
| Average total loans | $87,427,200 | 3,643 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 3,248 |
| Cost of funding earning assets | 0.2288% | 5,102 |
| Net interest margin | 3.7938% | 2,411 |
| Noninterest income to average assets | 0.7834% | 1,861 |
| Noninterest expense to average assets | 3.1839% | 2,011 |
| Loan and lease loss provision to assets | 0.2071% | 953 |
| Net operating income to assets | 0.8784% | 3,047 |
| Return on assets (ROA) | 0.9585% | 2,764 |
| Pretax return on assets | 0.9585% | 3,784 |
| Return on Equity (ROE) | 10.7143% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.7143% | 517 |
| Net charge-offs to loans | -0.0108% | 5,011 |
| Credit loss provision to net charge-offs | -2,771.4286% | 5,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5750% | 2,462 |
| Assets per employee ($millions) | 4.5753% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 2,466 |
| Loan loss allowance to noncurrent loans | 66,600.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,824 |
| Noncurrent loans to loans | 0.0021% | 5,662 |
| Net loans and leases to total assets | 71.8214% | 2,089 |
| Net loans and leases to deposits | 79.2839% | 2,958 |
| Net loans and leases to core deposits | 80.5810% | 3,381 |
| Total domestic deposits to total assets | 90.5876% | 365 |
| Equity capital to assets | 9.0673% | 5,244 |
| Core capital (leverage) ratio | 9.6955% | 4,037 |
| Tier 1 risk-based capital ratio | 12.2507% | 4,926 |
| Total risk-based capital ratio | 13.5017% | 4,820 |
| Memoranda: | ||
| Average total assets | $124,918,750 | 4,024 |
| Average earning assets | $114,780,750 | 4,027 |
| Average equity | $11,174,750 | 4,500 |
| Average total loans | $86,645,000 | 3,702 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,652 |
| Cost of funding earning assets | 0.2440% | 5,009 |
| Net interest margin | 3.6639% | 2,861 |
| Noninterest income to average assets | 0.8042% | 1,761 |
| Noninterest expense to average assets | 3.1133% | 2,204 |
| Loan and lease loss provision to assets | 0.2487% | 708 |
| Net operating income to assets | 0.8122% | 3,321 |
| Return on assets (ROA) | 0.9333% | 2,836 |
| Pretax return on assets | 0.9333% | 3,831 |
| Return on Equity (ROE) | 10.4827% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.4827% | 584 |
| Net charge-offs to loans | -0.0190% | 5,153 |
| Credit loss provision to net charge-offs | -1,925.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5841% | 2,599 |
| Assets per employee ($millions) | 4.2561% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 2,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,858 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 69.6031% | 2,381 |
| Net loans and leases to deposits | 76.5386% | 3,207 |
| Net loans and leases to core deposits | 77.2874% | 3,643 |
| Total domestic deposits to total assets | 90.9386% | 313 |
| Equity capital to assets | 8.8288% | 5,403 |
| Core capital (leverage) ratio | 9.1794% | 4,722 |
| Tier 1 risk-based capital ratio | 12.4959% | 4,808 |
| Total risk-based capital ratio | 13.7483% | 4,725 |
| Memoranda: | ||
| Average total assets | $123,855,670 | 4,076 |
| Average earning assets | $113,922,000 | 4,077 |
| Average equity | $11,027,670 | 4,558 |
| Average total loans | $84,413,000 | 3,770 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 3,460 |
| Cost of funding earning assets | 0.2719% | 4,762 |
| Net interest margin | 3.6674% | 2,743 |
| Noninterest income to average assets | 0.8069% | 1,687 |
| Noninterest expense to average assets | 3.1458% | 2,145 |
| Loan and lease loss provision to assets | 0.1312% | 1,579 |
| Net operating income to assets | 0.8922% | 2,775 |
| Return on assets (ROA) | 0.8922% | 2,904 |
| Pretax return on assets | 0.8922% | 3,918 |
| Return on Equity (ROE) | 9.9771% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.9771% | 936 |
| Net charge-offs to loans | -0.0294% | 5,237 |
| Credit loss provision to net charge-offs | -666.6667% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4524% | 2,593 |
| Assets per employee ($millions) | 4.2741% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 2,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,915 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 63.9841% | 3,090 |
| Net loans and leases to deposits | 70.3694% | 3,712 |
| Net loans and leases to core deposits | 71.0713% | 4,055 |
| Total domestic deposits to total assets | 90.9260% | 395 |
| Equity capital to assets | 8.9191% | 5,374 |
| Core capital (leverage) ratio | 9.2694% | 4,627 |
| Tier 1 risk-based capital ratio | 13.3851% | 4,380 |
| Total risk-based capital ratio | 14.6372% | 4,296 |
| Memoranda: | ||
| Average total assets | $121,941,500 | 4,149 |
| Average earning assets | $111,794,500 | 4,149 |
| Average equity | $10,905,000 | 4,617 |
| Average total loans | $81,537,500 | 3,845 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,718 |
| Cost of funding earning assets | 0.3156% | 4,630 |
| Net interest margin | 3.6880% | 3,052 |
| Noninterest income to average assets | 2.4909% | 239 |
| Noninterest expense to average assets | 4.8326% | 355 |
| Loan and lease loss provision to assets | 0.0244% | 4,121 |
| Net operating income to assets | 1.0702% | 2,085 |
| Return on assets (ROA) | 1.0702% | 2,138 |
| Pretax return on assets | 1.0702% | 3,206 |
| Return on Equity (ROE) | 12.1311% | 1,377 |
| Retained earnings to average equity (ytd only) | 12.1311% | 289 |
| Net charge-offs to loans | 0.0333% | 4,163 |
| Credit loss provision to net charge-offs | 107.4074% | 2,226 |
| Earnings coverage of net charge-offs (x) | 48.1111% | 955 |
| Efficiency ratio | 81.5326% | 1,713 |
| Assets per employee ($millions) | 4.1357% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,087 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,026 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.9201% | 2,570 |
| Net loans and leases to deposits | 75.0507% | 3,306 |
| Net loans and leases to core deposits | 75.8275% | 3,732 |
| Total domestic deposits to total assets | 90.4990% | 542 |
| Equity capital to assets | 9.0065% | 5,282 |
| Core capital (leverage) ratio | 9.1823% | 4,706 |
| Tier 1 risk-based capital ratio | 12.7670% | 4,876 |
| Total risk-based capital ratio | 13.7610% | 4,948 |
| Memoranda: | ||
| Average total assets | $118,672,200 | 4,209 |
| Average earning assets | $110,574,000 | 4,169 |
| Average equity | $10,469,000 | 4,662 |
| Average total loans | $81,052,200 | 3,849 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 4,156 |
| Cost of funding earning assets | 0.3178% | 4,695 |
| Net interest margin | 3.5880% | 3,474 |
| Noninterest income to average assets | 2.9943% | 190 |
| Noninterest expense to average assets | 5.2608% | 265 |
| Loan and lease loss provision to assets | 0.0327% | 3,754 |
| Net operating income to assets | 1.0589% | 2,202 |
| Return on assets (ROA) | 1.0589% | 2,268 |
| Pretax return on assets | 1.0589% | 3,345 |
| Return on Equity (ROE) | 12.0675% | 1,459 |
| Retained earnings to average equity (ytd only) | 12.0675% | 409 |
| Net charge-offs to loans | 0.0083% | 4,426 |
| Credit loss provision to net charge-offs | 580.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 193.6987% | 330 |
| Efficiency ratio | 82.8161% | 1,517 |
| Assets per employee ($millions) | 4.0513% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 3,255 |
| Loan loss allowance to noncurrent loans | 694.5783% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 5,620 |
| Noncurrent loans to loans | 0.1992% | 5,307 |
| Net loans and leases to total assets | 69.9501% | 2,203 |
| Net loans and leases to deposits | 77.2556% | 3,032 |
| Net loans and leases to core deposits | 78.0740% | 3,529 |
| Total domestic deposits to total assets | 90.5437% | 509 |
| Equity capital to assets | 9.2571% | 5,073 |
| Core capital (leverage) ratio | 9.2441% | 4,718 |
| Tier 1 risk-based capital ratio | 12.6256% | 5,080 |
| Total risk-based capital ratio | 13.8270% | 5,058 |
| Memoranda: | ||
| Average total assets | $118,356,500 | 4,251 |
| Average earning assets | $110,773,750 | 4,198 |
| Average equity | $10,385,750 | 4,708 |
| Average total loans | $80,667,500 | 3,884 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8423% | 4,360 |
| Cost of funding earning assets | 0.3150% | 4,828 |
| Net interest margin | 3.5273% | 3,667 |
| Noninterest income to average assets | 4.0170% | 149 |
| Noninterest expense to average assets | 6.4022% | 158 |
| Loan and lease loss provision to assets | 0.0489% | 3,328 |
| Net operating income to assets | 0.8884% | 2,867 |
| Return on assets (ROA) | 0.8884% | 2,963 |
| Pretax return on assets | 0.8884% | 3,927 |
| Return on Equity (ROE) | 10.3108% | 2,008 |
| Retained earnings to average equity (ytd only) | 10.3108% | 649 |
| Net charge-offs to loans | 0.0100% | 4,062 |
| Credit loss provision to net charge-offs | 725.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 432 |
| Efficiency ratio | 87.2301% | 1,164 |
| Assets per employee ($millions) | 4.8022% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 3,098 |
| Loan loss allowance to noncurrent loans | 712.3457% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 5,748 |
| Noncurrent loans to loans | 0.2040% | 5,405 |
| Net loans and leases to total assets | 65.1971% | 2,881 |
| Net loans and leases to deposits | 71.5587% | 3,629 |
| Net loans and leases to core deposits | 72.0275% | 4,050 |
| Total domestic deposits to total assets | 91.1100% | 378 |
| Equity capital to assets | 8.7542% | 5,567 |
| Core capital (leverage) ratio | 8.6554% | 5,463 |
| Tier 1 risk-based capital ratio | 13.2067% | 4,785 |
| Total risk-based capital ratio | 14.4250% | 4,736 |
| Memoranda: | ||
| Average total assets | $118,646,000 | 4,271 |
| Average earning assets | $111,756,000 | 4,193 |
| Average equity | $10,222,330 | 4,758 |
| Average total loans | $79,778,000 | 3,918 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 4,704 |
| Cost of funding earning assets | 0.3132% | 4,939 |
| Net interest margin | 3.4272% | 3,997 |
| Noninterest income to average assets | 4.8295% | 121 |
| Noninterest expense to average assets | 7.1663% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8920% | 2,690 |
| Return on assets (ROA) | 0.8920% | 2,757 |
| Pretax return on assets | 0.8920% | 3,730 |
| Return on Equity (ROE) | 10.4381% | 1,892 |
| Retained earnings to average equity (ytd only) | 10.4381% | 860 |
| Net charge-offs to loans | 0.0050% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 180 |
| Efficiency ratio | 88.9310% | 1,134 |
| Assets per employee ($millions) | 1.7574% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 3,458 |
| Loan loss allowance to noncurrent loans | 6,266.6667% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,275 |
| Noncurrent loans to loans | 0.0228% | 6,095 |
| Net loans and leases to total assets | 65.0202% | 2,724 |
| Net loans and leases to deposits | 71.1892% | 3,448 |
| Net loans and leases to core deposits | 71.6513% | 3,905 |
| Total domestic deposits to total assets | 91.3343% | 440 |
| Equity capital to assets | 8.5376% | 5,617 |
| Core capital (leverage) ratio | 8.7821% | 5,285 |
| Tier 1 risk-based capital ratio | 13.8810% | 4,409 |
| Total risk-based capital ratio | 15.1350% | 4,356 |
| Memoranda: | ||
| Average total assets | $117,941,000 | 4,316 |
| Average earning assets | $111,109,500 | 4,244 |
| Average equity | $10,078,500 | 4,798 |
| Average total loans | $79,953,500 | 3,934 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,792 |
| Cost of funding earning assets | 0.3567% | 5,074 |
| Net interest margin | 4.2663% | 1,177 |
| Noninterest income to average assets | 5.5078% | 120 |
| Noninterest expense to average assets | 8.2626% | 111 |
| Loan and lease loss provision to assets | 0.1797% | 2,052 |
| Net operating income to assets | 1.0513% | 2,114 |
| Return on assets (ROA) | 1.0513% | 2,183 |
| Pretax return on assets | 1.0513% | 3,150 |
| Return on Equity (ROE) | 12.4104% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.4104% | 281 |
| Net charge-offs to loans | 0.0117% | 5,221 |
| Credit loss provision to net charge-offs | 2,211.1111% | 109 |
| Earnings coverage of net charge-offs (x) | 151.4444% | 309 |
| Efficiency ratio | 87.0326% | 1,309 |
| Assets per employee ($millions) | 1.7114% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 3,692 |
| Loan loss allowance to noncurrent loans | 5,942.1053% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 6,366 |
| Noncurrent loans to loans | 0.0234% | 6,195 |
| Net loans and leases to total assets | 68.6972% | 2,222 |
| Net loans and leases to deposits | 75.2364% | 3,063 |
| Net loans and leases to core deposits | 75.7425% | 3,633 |
| Total domestic deposits to total assets | 91.3083% | 466 |
| Equity capital to assets | 8.5533% | 5,523 |
| Core capital (leverage) ratio | 8.5166% | 5,651 |
| Tier 1 risk-based capital ratio | 13.2142% | 4,842 |
| Total risk-based capital ratio | 14.4674% | 4,784 |
| Memoranda: | ||
| Average total assets | $110,716,000 | 4,481 |
| Average earning assets | $103,437,400 | 4,424 |
| Average equity | $9,379,200 | 5,003 |
| Average total loans | $77,176,400 | 4,018 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,766 |
| Cost of funding earning assets | 0.3639% | 5,152 |
| Net interest margin | 4.2778% | 1,144 |
| Noninterest income to average assets | 5.6759% | 120 |
| Noninterest expense to average assets | 8.5401% | 103 |
| Loan and lease loss provision to assets | 0.1696% | 2,140 |
| Net operating income to assets | 0.9527% | 2,578 |
| Return on assets (ROA) | 0.9527% | 2,681 |
| Pretax return on assets | 0.9527% | 3,679 |
| Return on Equity (ROE) | 11.2751% | 1,714 |
| Retained earnings to average equity (ytd only) | 11.2751% | 527 |
| Net charge-offs to loans | 0.0157% | 4,819 |
| Credit loss provision to net charge-offs | 1,544.4444% | 207 |
| Earnings coverage of net charge-offs (x) | 102.2200% | 492 |
| Efficiency ratio | 88.3853% | 1,127 |
| Assets per employee ($millions) | 1.3643% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 4,257 |
| Loan loss allowance to noncurrent loans | 1,843.1034% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 6,305 |
| Noncurrent loans to loans | 0.0720% | 6,121 |
| Net loans and leases to total assets | 70.1800% | 1,932 |
| Net loans and leases to deposits | 76.9333% | 2,828 |
| Net loans and leases to core deposits | 77.4589% | 3,432 |
| Total domestic deposits to total assets | 91.2219% | 450 |
| Equity capital to assets | 8.4514% | 5,786 |
| Core capital (leverage) ratio | 8.6117% | 5,641 |
| Tier 1 risk-based capital ratio | 12.6542% | 5,357 |
| Total risk-based capital ratio | 13.9063% | 5,301 |
| Memoranda: | ||
| Average total assets | $109,301,000 | 4,548 |
| Average earning assets | $101,856,750 | 4,508 |
| Average equity | $9,235,500 | 5,085 |
| Average total loans | $76,201,500 | 4,080 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,695 |
| Cost of funding earning assets | 0.3768% | 5,173 |
| Net interest margin | 4.2759% | 1,079 |
| Noninterest income to average assets | 6.3228% | 111 |
| Noninterest expense to average assets | 8.8472% | 100 |
| Loan and lease loss provision to assets | 0.1371% | 2,611 |
| Net operating income to assets | 1.3112% | 1,299 |
| Return on assets (ROA) | 1.3112% | 1,381 |
| Pretax return on assets | 1.3112% | 2,260 |
| Return on Equity (ROE) | 15.5195% | 734 |
| Retained earnings to average equity (ytd only) | 15.5195% | 211 |
| Net charge-offs to loans | 0.0054% | 4,789 |
| Credit loss provision to net charge-offs | 3,700.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 125 |
| Efficiency ratio | 85.9327% | 1,416 |
| Assets per employee ($millions) | 1.2403% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 4,255 |
| Loan loss allowance to noncurrent loans | 50,550.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 6,179 |
| Noncurrent loans to loans | 0.0027% | 6,452 |
| Net loans and leases to total assets | 68.3209% | 2,180 |
| Net loans and leases to deposits | 75.1555% | 2,999 |
| Net loans and leases to core deposits | 75.7190% | 3,575 |
| Total domestic deposits to total assets | 90.9061% | 579 |
| Equity capital to assets | 8.7983% | 5,448 |
| Core capital (leverage) ratio | 8.7400% | 5,368 |
| Tier 1 risk-based capital ratio | 13.3044% | 4,914 |
| Total risk-based capital ratio | 14.5567% | 4,854 |
| Memoranda: | ||
| Average total assets | $107,989,330 | 4,608 |
| Average earning assets | $100,330,330 | 4,579 |
| Average equity | $9,124,000 | 5,145 |
| Average total loans | $74,756,000 | 4,145 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 1,571 |
| Cost of funding earning assets | 0.3993% | 5,106 |
| Net interest margin | 4.2881% | 989 |
| Noninterest income to average assets | 6.3130% | 110 |
| Noninterest expense to average assets | 9.0641% | 96 |
| Loan and lease loss provision to assets | 0.1296% | 2,625 |
| Net operating income to assets | 1.0960% | 1,869 |
| Return on assets (ROA) | 1.0960% | 1,977 |
| Pretax return on assets | 1.0960% | 2,967 |
| Return on Equity (ROE) | 13.2453% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.2453% | 524 |
| Net charge-offs to loans | 0.0107% | 3,932 |
| Credit loss provision to net charge-offs | 1,750.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 165.5000% | 246 |
| Efficiency ratio | 88.0892% | 1,321 |
| Assets per employee ($millions) | 1.5057% | 6,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,503 |
| Loan loss allowance to noncurrent loans | 1,800.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 6,116 |
| Noncurrent loans to loans | 0.0745% | 6,256 |
| Net loans and leases to total assets | 65.9238% | 2,378 |
| Net loans and leases to deposits | 72.0800% | 3,175 |
| Net loans and leases to core deposits | 72.3155% | 3,780 |
| Total domestic deposits to total assets | 91.4593% | 364 |
| Equity capital to assets | 8.3811% | 6,118 |
| Core capital (leverage) ratio | 8.5233% | 5,552 |
| Tier 1 risk-based capital ratio | 12.9637% | 5,248 |
| Total risk-based capital ratio | 14.2150% | 5,201 |
| Memoranda: | ||
| Average total assets | $108,030,500 | 4,653 |
| Average earning assets | $100,185,000 | 4,620 |
| Average equity | $8,939,000 | 5,234 |
| Average total loans | $74,767,000 | 4,178 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8840% | 1,892 |
| Cost of funding earning assets | 0.4978% | 5,232 |
| Net interest margin | 4.3861% | 1,190 |
| Noninterest income to average assets | 5.2372% | 137 |
| Noninterest expense to average assets | 8.5904% | 102 |
| Loan and lease loss provision to assets | 0.2253% | 2,876 |
| Net operating income to assets | 0.4547% | 4,868 |
| Return on assets (ROA) | 0.4547% | 5,107 |
| Pretax return on assets | 0.4547% | 5,412 |
| Return on Equity (ROE) | 5.2276% | 4,574 |
| Retained earnings to average equity (ytd only) | 5.2276% | 2,554 |
| Net charge-offs to loans | 0.0758% | 4,924 |
| Credit loss provision to net charge-offs | 425.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 12.8269% | 1,894 |
| Efficiency ratio | 92.6647% | 874 |
| Assets per employee ($millions) | 1.3801% | 7,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,030 |
| Loan loss allowance to noncurrent loans | 46,950.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 6,321 |
| Noncurrent loans to loans | 0.0026% | 6,588 |
| Net loans and leases to total assets | 70.7425% | 1,695 |
| Net loans and leases to deposits | 77.1854% | 2,630 |
| Net loans and leases to core deposits | 77.4389% | 3,344 |
| Total domestic deposits to total assets | 91.6527% | 308 |
| Equity capital to assets | 8.1671% | 6,307 |
| Core capital (leverage) ratio | 8.2543% | 5,937 |
| Tier 1 risk-based capital ratio | 12.2841% | 5,606 |
| Total risk-based capital ratio | 13.5349% | 5,563 |
| Memoranda: | ||
| Average total assets | $98,086,000 | 4,885 |
| Average earning assets | $90,193,000 | 4,867 |
| Average equity | $8,531,600 | 5,355 |
| Average total loans | $68,583,400 | 4,403 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 1,654 |
| Cost of funding earning assets | 0.5239% | 5,282 |
| Net interest margin | 4.4938% | 1,003 |
| Noninterest income to average assets | 4.6633% | 155 |
| Noninterest expense to average assets | 8.2482% | 102 |
| Loan and lease loss provision to assets | 0.1672% | 3,445 |
| Net operating income to assets | 0.3832% | 5,318 |
| Return on assets (ROA) | 0.3832% | 5,527 |
| Pretax return on assets | 0.3832% | 5,753 |
| Return on Equity (ROE) | 4.3307% | 5,136 |
| Retained earnings to average equity (ytd only) | 4.3307% | 3,842 |
| Net charge-offs to loans | 0.0963% | 4,420 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 8.2289% | 2,481 |
| Efficiency ratio | 93.7451% | 793 |
| Assets per employee ($millions) | 1.1908% | 7,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,369 |
| Loan loss allowance to noncurrent loans | 3,508.3333% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 6,709 |
| Noncurrent loans to loans | 0.0337% | 6,535 |
| Net loans and leases to total assets | 69.6262% | 1,987 |
| Net loans and leases to deposits | 76.2862% | 2,940 |
| Net loans and leases to core deposits | 76.5372% | 3,666 |
| Total domestic deposits to total assets | 91.2697% | 339 |
| Equity capital to assets | 8.5219% | 6,242 |
| Core capital (leverage) ratio | 8.6710% | 5,520 |
| Tier 1 risk-based capital ratio | 12.3169% | 5,753 |
| Total risk-based capital ratio | 13.4231% | 5,810 |
| Memoranda: | ||
| Average total assets | $95,694,750 | 4,996 |
| Average earning assets | $88,059,000 | 4,970 |
| Average equity | $8,466,500 | 5,420 |
| Average total loans | $66,455,750 | 4,530 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 4,463 |
| Cost of funding earning assets | 0.5346% | 5,408 |
| Net interest margin | 3.7930% | 3,392 |
| Noninterest income to average assets | 4.0447% | 181 |
| Noninterest expense to average assets | 7.1154% | 143 |
| Loan and lease loss provision to assets | 0.1918% | 3,174 |
| Net operating income to assets | 0.2152% | 5,869 |
| Return on assets (ROA) | 0.2152% | 6,058 |
| Pretax return on assets | 0.2152% | 6,127 |
| Return on Equity (ROE) | 2.4010% | 5,914 |
| Retained earnings to average equity (ytd only) | 2.4010% | 4,994 |
| Net charge-offs to loans | 0.1697% | 3,583 |
| Credit loss provision to net charge-offs | 163.6364% | 1,700 |
| Earnings coverage of net charge-offs (x) | 3.4727% | 3,359 |
| Efficiency ratio | 94.5892% | 777 |
| Assets per employee ($millions) | 1.2115% | 7,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 5,775 |
| Loan loss allowance to noncurrent loans | 2,175.6757% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 6,735 |
| Noncurrent loans to loans | 0.0505% | 6,551 |
| Net loans and leases to total assets | 74.7237% | 1,138 |
| Net loans and leases to deposits | 82.0940% | 2,098 |
| Net loans and leases to core deposits | 82.6156% | 2,881 |
| Total domestic deposits to total assets | 91.0222% | 439 |
| Equity capital to assets | 8.7302% | 5,992 |
| Core capital (leverage) ratio | 8.7994% | 5,214 |
| Tier 1 risk-based capital ratio | 11.6823% | 6,117 |
| Total risk-based capital ratio | 12.7961% | 6,167 |
| Memoranda: | ||
| Average total assets | $93,852,330 | 5,071 |
| Average earning assets | $86,052,330 | 5,044 |
| Average equity | $8,413,330 | 5,444 |
| Average total loans | $64,834,670 | 4,612 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 4,275 |
| Cost of funding earning assets | 0.5535% | 5,474 |
| Net interest margin | 3.8601% | 3,094 |
| Noninterest income to average assets | 3.1412% | 226 |
| Noninterest expense to average assets | 6.4298% | 174 |
| Loan and lease loss provision to assets | 0.1733% | 3,231 |
| Net operating income to assets | 0.0737% | 6,288 |
| Return on assets (ROA) | 0.0737% | 6,407 |
| Pretax return on assets | 0.0737% | 6,421 |
| Return on Equity (ROE) | 0.8105% | 6,386 |
| Retained earnings to average equity (ytd only) | 0.8105% | 5,733 |
| Net charge-offs to loans | 0.3496% | 2,255 |
| Credit loss provision to net charge-offs | 75.4717% | 2,810 |
| Earnings coverage of net charge-offs (x) | 1.0755% | 3,794 |
| Efficiency ratio | 96.3011% | 704 |
| Assets per employee ($millions) | 1.4123% | 7,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,392 |
| Loan loss allowance to noncurrent loans | 5,046.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 6,878 |
| Noncurrent loans to loans | 0.0242% | 6,718 |
| Net loans and leases to total assets | 64.6693% | 2,723 |
| Net loans and leases to deposits | 71.0098% | 3,587 |
| Net loans and leases to core deposits | 71.4693% | 4,230 |
| Total domestic deposits to total assets | 91.0709% | 521 |
| Equity capital to assets | 8.8668% | 5,675 |
| Core capital (leverage) ratio | 9.1550% | 4,594 |
| Tier 1 risk-based capital ratio | 12.7313% | 5,418 |
| Total risk-based capital ratio | 13.8841% | 5,456 |
| Memoranda: | ||
| Average total assets | $92,320,000 | 5,142 |
| Average earning assets | $84,558,000 | 5,125 |
| Average equity | $8,389,500 | 5,474 |
| Average total loans | $60,639,500 | 4,788 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 4,590 |
| Cost of funding earning assets | 0.7290% | 5,343 |
| Net interest margin | 3.8908% | 3,375 |
| Noninterest income to average assets | 2.8078% | 227 |
| Noninterest expense to average assets | 6.0525% | 203 |
| Loan and lease loss provision to assets | 0.0883% | 5,485 |
| Net operating income to assets | 0.2324% | 5,483 |
| Return on assets (ROA) | 0.2324% | 5,624 |
| Pretax return on assets | 0.2324% | 5,709 |
| Return on Equity (ROE) | 2.3008% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.3008% | 4,579 |
| Net charge-offs to loans | 0.0017% | 6,429 |
| Credit loss provision to net charge-offs | 7,300.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 133 |
| Efficiency ratio | 94.9677% | 865 |
| Assets per employee ($millions) | 2.3689% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 4,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 65.0544% | 2,973 |
| Net loans and leases to deposits | 71.7990% | 3,826 |
| Net loans and leases to core deposits | 72.5785% | 4,425 |
| Total domestic deposits to total assets | 90.6062% | 663 |
| Equity capital to assets | 9.3194% | 5,122 |
| Core capital (leverage) ratio | 9.5365% | 3,966 |
| Tier 1 risk-based capital ratio | 13.3222% | 4,824 |
| Total risk-based capital ratio | 14.5517% | 4,816 |
| Memoranda: | ||
| Average total assets | $82,626,600 | 5,381 |
| Average earning assets | $75,716,400 | 5,351 |
| Average equity | $8,344,800 | 5,465 |
| Average total loans | $59,490,000 | 4,881 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 4,409 |
| Cost of funding earning assets | 0.7649% | 5,367 |
| Net interest margin | 3.9452% | 3,172 |
| Noninterest income to average assets | 3.2631% | 192 |
| Noninterest expense to average assets | 6.3447% | 176 |
| Loan and lease loss provision to assets | 0.1205% | 4,927 |
| Net operating income to assets | 0.4077% | 4,962 |
| Return on assets (ROA) | 0.4077% | 5,151 |
| Pretax return on assets | 0.4077% | 5,446 |
| Return on Equity (ROE) | 3.9518% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.9518% | 3,907 |
| Net charge-offs to loans | 0.0022% | 6,169 |
| Credit loss provision to net charge-offs | 7,300.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 320.7970% | 115 |
| Efficiency ratio | 92.3151% | 1,010 |
| Assets per employee ($millions) | 2.3885% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 5,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.8933% | 2,104 |
| Net loans and leases to deposits | 77.8988% | 3,016 |
| Net loans and leases to core deposits | 78.4447% | 3,836 |
| Total domestic deposits to total assets | 89.7232% | 1,023 |
| Equity capital to assets | 10.1165% | 4,190 |
| Core capital (leverage) ratio | 10.1295% | 3,275 |
| Tier 1 risk-based capital ratio | 13.6150% | 4,639 |
| Total risk-based capital ratio | 14.8633% | 4,609 |
| Memoranda: | ||
| Average total assets | $80,779,000 | 5,483 |
| Average earning assets | $73,911,500 | 5,449 |
| Average equity | $8,333,750 | 5,498 |
| Average total loans | $59,530,000 | 4,920 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 4,519 |
| Cost of funding earning assets | 0.8113% | 5,296 |
| Net interest margin | 3.8920% | 3,359 |
| Noninterest income to average assets | 3.5596% | 188 |
| Noninterest expense to average assets | 6.7034% | 157 |
| Loan and lease loss provision to assets | 0.0626% | 5,517 |
| Net operating income to assets | 0.3507% | 5,174 |
| Return on assets (ROA) | 0.3507% | 5,308 |
| Pretax return on assets | 0.3507% | 5,544 |
| Return on Equity (ROE) | 3.3765% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.3765% | 4,109 |
| Net charge-offs to loans | 0.0034% | 5,838 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 217 |
| Efficiency ratio | 94.1922% | 966 |
| Assets per employee ($millions) | 1.7288% | 7,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 5,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.9944% | 1,785 |
| Net loans and leases to deposits | 80.5773% | 2,690 |
| Net loans and leases to core deposits | 81.4612% | 3,588 |
| Total domestic deposits to total assets | 89.3483% | 1,333 |
| Equity capital to assets | 10.5184% | 3,484 |
| Core capital (leverage) ratio | 10.3668% | 2,863 |
| Tier 1 risk-based capital ratio | 13.6129% | 4,446 |
| Total risk-based capital ratio | 14.7982% | 4,477 |
| Memoranda: | ||
| Average total assets | $79,840,000 | 5,554 |
| Average earning assets | $72,971,000 | 5,525 |
| Average equity | $8,292,670 | 5,523 |
| Average total loans | $59,640,670 | 4,972 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 4,576 |
| Cost of funding earning assets | 0.8358% | 5,357 |
| Net interest margin | 3.8514% | 3,370 |
| Noninterest income to average assets | 3.9002% | 170 |
| Noninterest expense to average assets | 7.1253% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3000% | 5,400 |
| Return on assets (ROA) | 0.3000% | 5,468 |
| Pretax return on assets | 0.3000% | 5,648 |
| Return on Equity (ROE) | 2.9068% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.9068% | 4,416 |
| Net charge-offs to loans | 0.0066% | 5,028 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 492 |
| Efficiency ratio | 95.9596% | 922 |
| Assets per employee ($millions) | 1.4434% | 7,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 5,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 71.2204% | 1,878 |
| Net loans and leases to deposits | 79.4090% | 2,826 |
| Net loans and leases to core deposits | 80.9443% | 3,612 |
| Total domestic deposits to total assets | 89.6880% | 1,365 |
| Equity capital to assets | 10.2489% | 3,472 |
| Core capital (leverage) ratio | 10.1108% | 3,016 |
| Tier 1 risk-based capital ratio | 13.7697% | 4,232 |
| Total risk-based capital ratio | 14.9385% | 4,268 |
| Memoranda: | ||
| Average total assets | $79,996,500 | 5,590 |
| Average earning assets | $73,220,500 | 5,563 |
| Average equity | $8,256,500 | 5,535 |
| Average total loans | $60,472,500 | 4,986 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0210% | 4,446 |
| Cost of funding earning assets | 0.9596% | 5,890 |
| Net interest margin | 4.0614% | 2,739 |
| Noninterest income to average assets | 3.6250% | 189 |
| Noninterest expense to average assets | 6.7398% | 172 |
| Loan and lease loss provision to assets | 0.3571% | 3,980 |
| Net operating income to assets | 0.2689% | 5,037 |
| Return on assets (ROA) | 0.2689% | 5,200 |
| Pretax return on assets | 0.2689% | 5,314 |
| Return on Equity (ROE) | 2.5595% | 5,150 |
| Retained earnings to average equity (ytd only) | 2.5595% | 4,076 |
| Net charge-offs to loans | 0.0143% | 6,683 |
| Credit loss provision to net charge-offs | 3,237.5000% | 67 |
| Earnings coverage of net charge-offs (x) | 56.7500% | 415 |
| Efficiency ratio | 91.5013% | 1,216 |
| Assets per employee ($millions) | 1.4137% | 7,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 78.2972% | 898 |
| Net loans and leases to deposits | 87.5394% | 1,855 |
| Net loans and leases to core deposits | 89.2691% | 2,865 |
| Total domestic deposits to total assets | 89.4423% | 1,415 |
| Equity capital to assets | 10.3947% | 3,277 |
| Core capital (leverage) ratio | 9.8226% | 3,290 |
| Tier 1 risk-based capital ratio | 12.9426% | 4,640 |
| Total risk-based capital ratio | 14.0507% | 4,740 |
| Memoranda: | ||
| Average total assets | $72,524,400 | 5,799 |
| Average earning assets | $66,799,200 | 5,776 |
| Average equity | $7,618,600 | 5,834 |
| Average total loans | $55,844,000 | 5,245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 5,456 |
| Cost of funding earning assets | 0.9642% | 6,120 |
| Net interest margin | 3.8894% | 3,576 |
| Noninterest income to average assets | 2.6059% | 263 |
| Noninterest expense to average assets | 5.9944% | 221 |
| Loan and lease loss provision to assets | 0.2803% | 4,335 |
| Net operating income to assets | -0.0790% | 6,159 |
| Return on assets (ROA) | -0.0790% | 6,253 |
| Pretax return on assets | -0.0790% | 6,201 |
| Return on Equity (ROE) | -0.7501% | 6,256 |
| Retained earnings to average equity (ytd only) | -0.7501% | 5,974 |
| Net charge-offs to loans | 0.0172% | 6,440 |
| Credit loss provision to net charge-offs | 2,128.5714% | 147 |
| Earnings coverage of net charge-offs (x) | 15.2905% | 1,449 |
| Efficiency ratio | 96.7507% | 877 |
| Assets per employee ($millions) | 1.4811% | 7,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 6,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 81.1473% | 600 |
| Net loans and leases to deposits | 90.3822% | 1,670 |
| Net loans and leases to core deposits | 98.0480% | 2,039 |
| Total domestic deposits to total assets | 89.7825% | 978 |
| Equity capital to assets | 9.8345% | 4,367 |
| Core capital (leverage) ratio | 10.1916% | 3,051 |
| Tier 1 risk-based capital ratio | 12.3947% | 5,080 |
| Total risk-based capital ratio | 13.3170% | 5,373 |
| Memoranda: | ||
| Average total assets | $70,864,250 | 5,920 |
| Average earning assets | $65,407,500 | 5,882 |
| Average equity | $7,466,000 | 5,960 |
| Average total loans | $54,134,500 | 5,382 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 5,491 |
| Cost of funding earning assets | 0.9981% | 6,151 |
| Net interest margin | 3.8799% | 3,535 |
| Noninterest income to average assets | 2.0109% | 354 |
| Noninterest expense to average assets | 5.5010% | 277 |
| Loan and lease loss provision to assets | 0.3089% | 3,911 |
| Net operating income to assets | -0.2198% | 6,379 |
| Return on assets (ROA) | -0.2198% | 6,424 |
| Pretax return on assets | -0.2198% | 6,354 |
| Return on Equity (ROE) | -2.0318% | 6,423 |
| Retained earnings to average equity (ytd only) | -2.0318% | 6,150 |
| Net charge-offs to loans | 0.0280% | 5,940 |
| Credit loss provision to net charge-offs | 1,485.7143% | 274 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 3,001 |
| Efficiency ratio | 98.4060% | 866 |
| Assets per employee ($millions) | 1.6775% | 7,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 71.4077% | 2,564 |
| Net loans and leases to deposits | 79.7802% | 3,635 |
| Net loans and leases to core deposits | 82.1165% | 4,402 |
| Total domestic deposits to total assets | 89.5055% | 1,174 |
| Equity capital to assets | 10.3312% | 3,610 |
| Core capital (leverage) ratio | 10.8684% | 2,351 |
| Tier 1 risk-based capital ratio | 13.8101% | 3,862 |
| Total risk-based capital ratio | 14.7633% | 4,022 |
| Memoranda: | ||
| Average total assets | $67,333,000 | 6,057 |
| Average earning assets | $62,115,330 | 6,017 |
| Average equity | $7,284,330 | 6,039 |
| Average total loans | $49,949,330 | 5,607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 5,879 |
| Cost of funding earning assets | 0.9676% | 6,516 |
| Net interest margin | 3.8355% | 3,645 |
| Noninterest income to average assets | 0.6473% | 2,953 |
| Noninterest expense to average assets | 4.7487% | 461 |
| Loan and lease loss provision to assets | 0.5127% | 2,447 |
| Net operating income to assets | -1.0830% | 7,157 |
| Return on assets (ROA) | -1.0830% | 7,172 |
| Pretax return on assets | -1.0830% | 7,090 |
| Return on Equity (ROE) | -9.7399% | 7,129 |
| Retained earnings to average equity (ytd only) | -9.7399% | 6,952 |
| Net charge-offs to loans | 0.0594% | 4,818 |
| Credit loss provision to net charge-offs | 1,142.8571% | 420 |
| Earnings coverage of net charge-offs (x) | -12.7143% | 5,569 |
| Efficiency ratio | 113.6503% | 537 |
| Assets per employee ($millions) | 1.6061% | 7,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 6,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 77.5463% | 1,233 |
| Net loans and leases to deposits | 87.5195% | 2,310 |
| Net loans and leases to core deposits | 91.2103% | 3,210 |
| Total domestic deposits to total assets | 88.6046% | 1,731 |
| Equity capital to assets | 10.4023% | 3,339 |
| Core capital (leverage) ratio | 10.7359% | 2,428 |
| Tier 1 risk-based capital ratio | 13.0028% | 4,331 |
| Total risk-based capital ratio | 13.9989% | 4,482 |
| Memoranda: | ||
| Average total assets | $62,417,500 | 6,291 |
| Average earning assets | $57,463,500 | 6,262 |
| Average equity | $6,940,500 | 6,210 |
| Average total loans | $47,101,500 | 5,796 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 6,150 |
| Cost of funding earning assets | 1.5296% | 5,377 |
| Net interest margin | 3.5549% | 4,726 |
| Noninterest income to average assets | 0.4294% | 4,971 |
| Noninterest expense to average assets | 4.6684% | 673 |
| Loan and lease loss provision to assets | 0.4414% | 4,182 |
| Net operating income to assets | -1.4715% | 6,840 |
| Return on assets (ROA) | -1.4614% | 6,841 |
| Pretax return on assets | -1.4614% | 6,678 |
| Return on Equity (ROE) | -12.4673% | 6,796 |
| Retained earnings to average equity (ytd only) | -12.4673% | 6,715 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.3102% | 496 |
| Assets per employee ($millions) | 2.5645% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 6,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 71.4957% | 2,887 |
| Net loans and leases to deposits | 81.2669% | 3,745 |
| Net loans and leases to core deposits | 100.7839% | 3,924 |
| Total domestic deposits to total assets | 87.9764% | 1,982 |
| Equity capital to assets | 11.9202% | 2,075 |
| Core capital (leverage) ratio | 11.8387% | 1,741 |
| Tier 1 risk-based capital ratio | 15.3147% | 2,793 |
| Total risk-based capital ratio | 16.2987% | 2,866 |
| Memoranda: | ||
| Average total assets | $49,609,800 | 6,724 |
| Average earning assets | $44,783,000 | 6,729 |
| Average equity | $5,815,200 | 6,663 |
| Average total loans | $33,938,400 | 6,398 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 7,068 |
| Cost of funding earning assets | 1.6067% | 5,370 |
| Net interest margin | 3.2165% | 5,960 |
| Noninterest income to average assets | 0.6601% | 3,289 |
| Noninterest expense to average assets | 4.6233% | 650 |
| Loan and lease loss provision to assets | 0.5049% | 3,367 |
| Net operating income to assets | -1.5768% | 7,148 |
| Return on assets (ROA) | -1.5656% | 7,142 |
| Pretax return on assets | -1.5656% | 6,997 |
| Return on Equity (ROE) | -13.4267% | 7,102 |
| Retained earnings to average equity (ytd only) | -13.4267% | 7,036 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.1827% | 474 |
| Assets per employee ($millions) | 3.2345% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.0638% | 4,418 |
| Net loans and leases to deposits | 72.7790% | 5,538 |
| Net loans and leases to core deposits | 95.2786% | 4,899 |
| Total domestic deposits to total assets | 90.7731% | 492 |
| Equity capital to assets | 9.1032% | 5,330 |
| Core capital (leverage) ratio | 9.8903% | 3,414 |
| Tier 1 risk-based capital ratio | 12.4024% | 4,626 |
| Total risk-based capital ratio | 13.3705% | 4,808 |
| Memoranda: | ||
| Average total assets | $47,266,250 | 6,864 |
| Average earning assets | $42,488,000 | 6,894 |
| Average equity | $5,511,250 | 6,840 |
| Average total loans | $31,768,500 | 6,576 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 7,472 |
| Cost of funding earning assets | 1.6890% | 5,327 |
| Net interest margin | 2.9506% | 6,678 |
| Noninterest income to average assets | 0.7475% | 2,717 |
| Noninterest expense to average assets | 4.8332% | 583 |
| Loan and lease loss provision to assets | 0.7429% | 2,204 |
| Net operating income to assets | -2.2011% | 7,481 |
| Return on assets (ROA) | -2.1828% | 7,469 |
| Pretax return on assets | -2.1828% | 7,338 |
| Return on Equity (ROE) | -17.0558% | 7,423 |
| Retained earnings to average equity (ytd only) | -17.0558% | 7,348 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.2065% | 405 |
| Assets per employee ($millions) | 3.0839% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.5617% | 2,552 |
| Net loans and leases to deposits | 83.7739% | 3,925 |
| Net loans and leases to core deposits | 107.4504% | 3,670 |
| Total domestic deposits to total assets | 89.0035% | 1,272 |
| Equity capital to assets | 10.8323% | 3,077 |
| Core capital (leverage) ratio | 11.2168% | 2,250 |
| Tier 1 risk-based capital ratio | 13.8159% | 3,618 |
| Total risk-based capital ratio | 14.8340% | 3,692 |
| Memoranda: | ||
| Average total assets | $43,614,670 | 7,072 |
| Average earning assets | $38,839,330 | 7,098 |
| Average equity | $5,581,670 | 6,869 |
| Average total loans | $29,401,000 | 6,770 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 7,763 |
| Cost of funding earning assets | 1.8833% | 4,726 |
| Net interest margin | 2.5630% | 7,421 |
| Noninterest income to average assets | 0.3926% | 5,268 |
| Noninterest expense to average assets | 4.8883% | 523 |
| Loan and lease loss provision to assets | 0.5693% | 2,212 |
| Net operating income to assets | -2.8073% | 7,815 |
| Return on assets (ROA) | -2.8073% | 7,819 |
| Pretax return on assets | -2.8073% | 7,720 |
| Return on Equity (ROE) | -20.0702% | 7,754 |
| Retained earnings to average equity (ytd only) | -20.0702% | 7,645 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.4444% | 225 |
| Assets per employee ($millions) | 3.5140% | 4,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.1404% | 5,294 |
| Net loans and leases to deposits | 70.7641% | 5,894 |
| Net loans and leases to core deposits | 87.6223% | 5,774 |
| Total domestic deposits to total assets | 87.8136% | 1,836 |
| Equity capital to assets | 12.1251% | 2,183 |
| Core capital (leverage) ratio | 14.0725% | 1,177 |
| Tier 1 risk-based capital ratio | 16.9175% | 2,364 |
| Total risk-based capital ratio | 17.8010% | 2,426 |
| Memoranda: | ||
| Average total assets | $40,750,500 | 7,218 |
| Average earning assets | $35,895,000 | 7,268 |
| Average equity | $5,700,000 | 6,879 |
| Average total loans | $25,510,500 | 7,027 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 8,150 |
| Cost of funding earning assets | 1.4629% | 7,664 |
| Net interest margin | 1.9236% | 8,109 |
| Noninterest income to average assets | 0.0756% | 7,760 |
| Noninterest expense to average assets | 6.7744% | 304 |
| Loan and lease loss provision to assets | 0.9624% | 1,530 |
| Net operating income to assets | -5.9591% | 8,152 |
| Return on assets (ROA) | -5.9591% | 8,143 |
| Pretax return on assets | -5.9591% | 8,101 |
| Return on Equity (ROE) | -22.5062% | 7,810 |
| Retained earnings to average equity (ytd only) | -22.5062% | 7,744 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 381.0875% | 72 |
| Assets per employee ($millions) | 2.7553% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 5,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 61.7494% | 5,658 |
| Net loans and leases to deposits | 73.8497% | 5,866 |
| Net loans and leases to core deposits | 91.9400% | 5,645 |
| Total domestic deposits to total assets | 83.6148% | 3,523 |
| Equity capital to assets | 16.3628% | 871 |
| Core capital (leverage) ratio | 19.0592% | 508 |
| Tier 1 risk-based capital ratio | 21.4832% | 1,396 |
| Total risk-based capital ratio | 22.3341% | 1,419 |
| Memoranda: | ||
| Average total assets | $23,795,500 | 7,878 |
| Average earning assets | $21,054,250 | 7,891 |
| Average equity | $6,300,500 | 6,703 |
| Average total loans | $12,640,250 | 7,792 |