Home > High Plains Bank > Performance and Condition Ratios
High Plains 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 | 6.2207% | 478 |
| Cost of funding earning assets | 2.1722% | 678 |
| Net interest margin | 4.0485% | 1,134 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.4273% | 2,506 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 2.0883% | 406 |
| Return on assets (ROA) | 2.0872% | 396 |
| Pretax return on assets | 2.0872% | 587 |
| Return on Equity (ROE) | 18.0600% | 809 |
| Retained earnings to average equity (ytd only) | 7.0924% | 1,868 |
| Net charge-offs to loans | 0.0660% | 1,189 |
| Credit loss provision to net charge-offs | 64.5161% | 2,123 |
| Earnings coverage of net charge-offs (x) | 41.6559% | 1,422 |
| Efficiency ratio | 53.3646% | 3,725 |
| Assets per employee ($millions) | 8.0902% | 1,388 |
| Cash dividends to net income (ytd only)* | 60.7293% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 3,386 |
| Loan loss allowance to noncurrent loans | 192.6491% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4135% | 1,347 |
| Noncurrent loans to loans | 0.5114% | 1,505 |
| Net loans and leases to total assets | 78.4300% | 821 |
| Net loans and leases to deposits | 90.5873% | 1,220 |
| Net loans and leases to core deposits | 108.3441% | 1,023 |
| Total domestic deposits to total assets | 86.5800% | 1,822 |
| Equity capital to assets | 12.1977% | 1,065 |
| Core capital (leverage) ratio | 11.8211% | 1,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $182,633,000 | 3,104 |
| Average earning assets | $169,048,800 | 3,100 |
| Average equity | $21,107,200 | 2,764 |
| Average total loans | $140,978,800 | 2,759 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1349% | 450 |
| Cost of funding earning assets | 1.9869% | 720 |
| Net interest margin | 4.1480% | 993 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 2.0218% | 3,539 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.7465% | 212 |
| Return on assets (ROA) | 2.7450% | 211 |
| Pretax return on assets | 2.7450% | 295 |
| Return on Equity (ROE) | 24.0700% | 432 |
| Retained earnings to average equity (ytd only) | 12.6672% | 860 |
| Net charge-offs to loans | -0.0199% | 4,131 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.0172% | 4,309 |
| Assets per employee ($millions) | 8.2222% | 1,246 |
| Cash dividends to net income (ytd only)* | 47.3837% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 2,862 |
| Loan loss allowance to noncurrent loans | 175.7895% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 1,201 |
| Noncurrent loans to loans | 0.6265% | 1,300 |
| Net loans and leases to total assets | 74.6100% | 1,282 |
| Net loans and leases to deposits | 86.0136% | 1,574 |
| Net loans and leases to core deposits | 95.5423% | 1,582 |
| Total domestic deposits to total assets | 86.7400% | 1,968 |
| Equity capital to assets | 12.1334% | 1,005 |
| Core capital (leverage) ratio | 11.4001% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $183,795,250 | 3,102 |
| Average earning assets | $169,973,500 | 3,100 |
| Average equity | $20,956,500 | 2,765 |
| Average total loans | $140,977,250 | 2,767 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9297% | 482 |
| Cost of funding earning assets | 1.7509% | 812 |
| Net interest margin | 4.1788% | 960 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.9484% | 3,715 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 2.2212% | 348 |
| Return on assets (ROA) | 2.2190% | 340 |
| Pretax return on assets | 2.2190% | 519 |
| Return on Equity (ROE) | 19.8800% | 717 |
| Retained earnings to average equity (ytd only) | 8.9014% | 1,711 |
| Net charge-offs to loans | -0.0253% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.2725% | 4,152 |
| Assets per employee ($millions) | 6.3833% | 2,401 |
| Cash dividends to net income (ytd only)* | 55.2195% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,277 |
| Loan loss allowance to noncurrent loans | 133.9982% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 890 |
| Noncurrent loans to loans | 0.7709% | 983 |
| Net loans and leases to total assets | 76.4900% | 1,002 |
| Net loans and leases to deposits | 87.3175% | 1,399 |
| Net loans and leases to core deposits | 95.8104% | 1,476 |
| Total domestic deposits to total assets | 87.6000% | 1,747 |
| Equity capital to assets | 11.3189% | 1,264 |
| Core capital (leverage) ratio | 10.9913% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $184,764,000 | 3,100 |
| Average earning assets | $171,340,333 | 3,092 |
| Average equity | $20,626,000 | 2,806 |
| Average total loans | $142,480,667 | 2,748 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7151% | 459 |
| Cost of funding earning assets | 1.5181% | 814 |
| Net interest margin | 4.1970% | 951 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9720% | 3,688 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 2.2342% | 350 |
| Return on assets (ROA) | 2.2298% | 350 |
| Pretax return on assets | 2.2298% | 543 |
| Return on Equity (ROE) | 20.1100% | 752 |
| Retained earnings to average equity (ytd only) | 10.9859% | 1,470 |
| Net charge-offs to loans | -0.0478% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.3576% | 4,195 |
| Assets per employee ($millions) | 7.4929% | 1,627 |
| Cash dividends to net income (ytd only)* | 45.3839% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 3,359 |
| Loan loss allowance to noncurrent loans | 126.6031% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 811 |
| Noncurrent loans to loans | 0.8181% | 935 |
| Net loans and leases to total assets | 74.5200% | 1,132 |
| Net loans and leases to deposits | 84.7692% | 1,445 |
| Net loans and leases to core deposits | 92.5231% | 1,476 |
| Total domestic deposits to total assets | 87.9100% | 1,958 |
| Equity capital to assets | 11.0820% | 1,313 |
| Core capital (leverage) ratio | 10.9682% | 1,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,588,500 | 3,141 |
| Average earning assets | $171,264,500 | 3,135 |
| Average equity | $20,462,500 | 2,842 |
| Average total loans | $142,181,500 | 2,779 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 484 |
| Cost of funding earning assets | 0.5648% | 1,042 |
| Net interest margin | 4.1681% | 582 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4113% | 2,394 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.4885% | 905 |
| Return on assets (ROA) | 1.4885% | 870 |
| Pretax return on assets | 1.4885% | 1,489 |
| Return on Equity (ROE) | 11.9100% | 2,171 |
| Retained earnings to average equity (ytd only) | 3.0106% | 3,717 |
| Net charge-offs to loans | 0.2905% | 263 |
| Credit loss provision to net charge-offs | 124.7911% | 1,438 |
| Earnings coverage of net charge-offs (x) | 7.9916% | 2,284 |
| Efficiency ratio | 57.7529% | 3,374 |
| Assets per employee ($millions) | 7.2742% | 1,773 |
| Cash dividends to net income (ytd only)* | 74.7212% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 3,294 |
| Loan loss allowance to noncurrent loans | 149.4336% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 837 |
| Noncurrent loans to loans | 0.6776% | 1,103 |
| Net loans and leases to total assets | 78.0000% | 798 |
| Net loans and leases to deposits | 88.6936% | 1,130 |
| Net loans and leases to core deposits | 96.3911% | 1,183 |
| Total domestic deposits to total assets | 87.9500% | 2,083 |
| Equity capital to assets | 11.0891% | 1,225 |
| Core capital (leverage) ratio | 11.4633% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $162,649,400 | 3,327 |
| Average earning assets | $151,026,800 | 3,320 |
| Average equity | $20,328,400 | 2,927 |
| Average total loans | $123,568,600 | 2,889 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 544 |
| Cost of funding earning assets | 0.4730% | 868 |
| Net interest margin | 3.9635% | 689 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.9394% | 3,650 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.9774% | 295 |
| Return on assets (ROA) | 1.9774% | 297 |
| Pretax return on assets | 1.9774% | 485 |
| Return on Equity (ROE) | 15.3200% | 1,108 |
| Retained earnings to average equity (ytd only) | 6.9123% | 2,394 |
| Net charge-offs to loans | 0.0854% | 703 |
| Credit loss provision to net charge-offs | 142.1053% | 1,148 |
| Earnings coverage of net charge-offs (x) | 32.2237% | 1,493 |
| Efficiency ratio | 48.3878% | 4,252 |
| Assets per employee ($millions) | 6.5776% | 2,257 |
| Cash dividends to net income (ytd only)* | 54.8911% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 2,978 |
| Loan loss allowance to noncurrent loans | 108.3981% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 558 |
| Noncurrent loans to loans | 1.0215% | 745 |
| Net loans and leases to total assets | 75.7100% | 937 |
| Net loans and leases to deposits | 87.5154% | 1,065 |
| Net loans and leases to core deposits | 95.0397% | 1,045 |
| Total domestic deposits to total assets | 86.5100% | 2,921 |
| Equity capital to assets | 12.4567% | 782 |
| Core capital (leverage) ratio | 12.6878% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $157,848,000 | 3,387 |
| Average earning assets | $146,566,750 | 3,381 |
| Average equity | $20,369,000 | 2,962 |
| Average total loans | $118,634,750 | 2,941 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 589 |
| Cost of funding earning assets | 0.3948% | 950 |
| Net interest margin | 3.8382% | 693 |
| Noninterest income to average assets | 0.3135% | 3,288 |
| Noninterest expense to average assets | 1.8966% | 3,712 |
| Loan and lease loss provision to assets | 0.0578% | 1,550 |
| Net operating income to assets | 1.9197% | 262 |
| Return on assets (ROA) | 1.9197% | 262 |
| Pretax return on assets | 1.9197% | 451 |
| Return on Equity (ROE) | 14.6970% | 958 |
| Retained earnings to average equity (ytd only) | 6.6402% | 2,118 |
| Net charge-offs to loans | 0.0706% | 741 |
| Credit loss provision to net charge-offs | 109.7561% | 1,225 |
| Earnings coverage of net charge-offs (x) | 37.5366% | 1,287 |
| Efficiency ratio | 48.9552% | 4,312 |
| Assets per employee ($millions) | 6.9170% | 1,996 |
| Cash dividends to net income (ytd only)* | 54.8193% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,877 |
| Loan loss allowance to noncurrent loans | 100.0733% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 507 |
| Noncurrent loans to loans | 1.1626% | 691 |
| Net loans and leases to total assets | 72.9402% | 1,011 |
| Net loans and leases to deposits | 84.5997% | 1,079 |
| Net loans and leases to core deposits | 91.7901% | 1,027 |
| Total domestic deposits to total assets | 86.2180% | 3,190 |
| Equity capital to assets | 12.7385% | 711 |
| Core capital (leverage) ratio | 12.7812% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,650,333 | 3,452 |
| Average earning assets | $144,390,333 | 3,455 |
| Average equity | $20,330,667 | 3,041 |
| Average total loans | $116,214,333 | 2,986 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 631 |
| Cost of funding earning assets | 0.3703% | 1,060 |
| Net interest margin | 3.7369% | 700 |
| Noninterest income to average assets | 0.3014% | 3,308 |
| Noninterest expense to average assets | 1.7437% | 4,064 |
| Loan and lease loss provision to assets | 0.0390% | 1,660 |
| Net operating income to assets | 1.9801% | 230 |
| Return on assets (ROA) | 1.9801% | 232 |
| Pretax return on assets | 1.9801% | 375 |
| Return on Equity (ROE) | 14.9683% | 658 |
| Retained earnings to average equity (ytd only) | 9.3110% | 1,182 |
| Net charge-offs to loans | -0.0069% | 3,459 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3398% | 4,480 |
| Assets per employee ($millions) | 6.2534% | 2,597 |
| Cash dividends to net income (ytd only)* | 37.7953% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,718 |
| Loan loss allowance to noncurrent loans | 85.8655% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0273% | 485 |
| Noncurrent loans to loans | 1.4305% | 591 |
| Net loans and leases to total assets | 70.9329% | 929 |
| Net loans and leases to deposits | 82.6203% | 969 |
| Net loans and leases to core deposits | 88.5975% | 990 |
| Total domestic deposits to total assets | 85.8541% | 3,308 |
| Equity capital to assets | 13.0962% | 672 |
| Core capital (leverage) ratio | 12.7367% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,929,500 | 3,477 |
| Average earning assets | $142,578,000 | 3,485 |
| Average equity | $20,363,000 | 3,111 |
| Average total loans | $115,617,500 | 2,990 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 379 |
| Cost of funding earning assets | 0.4485% | 1,213 |
| Net interest margin | 4.3205% | 385 |
| Noninterest income to average assets | 0.3309% | 3,433 |
| Noninterest expense to average assets | 2.5697% | 1,955 |
| Loan and lease loss provision to assets | 0.2610% | 340 |
| Net operating income to assets | 1.4978% | 1,021 |
| Return on assets (ROA) | 1.4978% | 1,073 |
| Pretax return on assets | 1.4978% | 1,736 |
| Return on Equity (ROE) | 11.7648% | 1,891 |
| Retained earnings to average equity (ytd only) | 2.2848% | 3,893 |
| Net charge-offs to loans | 0.1218% | 743 |
| Credit loss provision to net charge-offs | 289.4737% | 1,085 |
| Earnings coverage of net charge-offs (x) | 19.5038% | 1,874 |
| Efficiency ratio | 59.3672% | 3,244 |
| Assets per employee ($millions) | 5.8278% | 2,919 |
| Cash dividends to net income (ytd only)* | 80.5794% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,149 |
| Loan loss allowance to noncurrent loans | 80.8309% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2335% | 394 |
| Noncurrent loans to loans | 1.4164% | 656 |
| Net loans and leases to total assets | 77.6121% | 404 |
| Net loans and leases to deposits | 90.7261% | 537 |
| Net loans and leases to core deposits | 97.1115% | 653 |
| Total domestic deposits to total assets | 85.5455% | 3,071 |
| Equity capital to assets | 13.3655% | 805 |
| Core capital (leverage) ratio | 12.7147% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,486,600 | 3,512 |
| Average earning assets | $136,467,200 | 3,513 |
| Average equity | $18,776,400 | 3,316 |
| Average total loans | $109,236,200 | 3,086 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9536% | 327 |
| Cost of funding earning assets | 0.4684% | 1,228 |
| Net interest margin | 4.4851% | 322 |
| Noninterest income to average assets | 0.3504% | 3,357 |
| Noninterest expense to average assets | 2.1773% | 3,147 |
| Loan and lease loss provision to assets | 0.3413% | 218 |
| Net operating income to assets | 1.9889% | 474 |
| Return on assets (ROA) | 1.9889% | 500 |
| Pretax return on assets | 1.9889% | 814 |
| Return on Equity (ROE) | 15.8265% | 985 |
| Retained earnings to average equity (ytd only) | 6.0336% | 2,804 |
| Net charge-offs to loans | 0.1386% | 587 |
| Credit loss provision to net charge-offs | 337.8378% | 942 |
| Earnings coverage of net charge-offs (x) | 23.0631% | 1,672 |
| Efficiency ratio | 48.3037% | 4,346 |
| Assets per employee ($millions) | 5.9379% | 2,752 |
| Cash dividends to net income (ytd only)* | 61.8764% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,414 |
| Loan loss allowance to noncurrent loans | 195.7265% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 1,279 |
| Noncurrent loans to loans | 0.6723% | 1,632 |
| Net loans and leases to total assets | 69.4182% | 1,139 |
| Net loans and leases to deposits | 80.4839% | 1,239 |
| Net loans and leases to core deposits | 86.3934% | 1,269 |
| Total domestic deposits to total assets | 86.2511% | 2,648 |
| Equity capital to assets | 12.6091% | 1,132 |
| Core capital (leverage) ratio | 11.7350% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,477,250 | 3,555 |
| Average earning assets | $135,763,500 | 3,559 |
| Average equity | $18,407,500 | 3,396 |
| Average total loans | $106,804,500 | 3,157 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 209 |
| Cost of funding earning assets | 0.4944% | 1,235 |
| Net interest margin | 4.8304% | 212 |
| Noninterest income to average assets | 0.3251% | 3,477 |
| Noninterest expense to average assets | 2.2151% | 3,035 |
| Loan and lease loss provision to assets | 0.4938% | 109 |
| Net operating income to assets | 2.0916% | 413 |
| Return on assets (ROA) | 2.0916% | 431 |
| Pretax return on assets | 2.0916% | 692 |
| Return on Equity (ROE) | 16.6630% | 832 |
| Retained earnings to average equity (ytd only) | 7.4301% | 2,278 |
| Net charge-offs to loans | 0.3792% | 222 |
| Credit loss provision to net charge-offs | 176.4706% | 1,101 |
| Earnings coverage of net charge-offs (x) | 9.2402% | 1,845 |
| Efficiency ratio | 46.1429% | 4,508 |
| Assets per employee ($millions) | 5.7230% | 2,872 |
| Cash dividends to net income (ytd only)* | 55.4098% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,917 |
| Loan loss allowance to noncurrent loans | 109.6104% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 1,054 |
| Noncurrent loans to loans | 1.0982% | 1,105 |
| Net loans and leases to total assets | 69.8321% | 1,214 |
| Net loans and leases to deposits | 80.9063% | 1,339 |
| Net loans and leases to core deposits | 87.5464% | 1,306 |
| Total domestic deposits to total assets | 86.3122% | 2,622 |
| Equity capital to assets | 12.4922% | 1,136 |
| Core capital (leverage) ratio | 11.8905% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,820,333 | 3,566 |
| Average earning assets | $135,101,333 | 3,570 |
| Average equity | $18,304,000 | 3,403 |
| Average total loans | $107,598,000 | 3,158 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1524% | 86 |
| Cost of funding earning assets | 0.5234% | 1,252 |
| Net interest margin | 5.6290% | 87 |
| Noninterest income to average assets | 0.3021% | 3,602 |
| Noninterest expense to average assets | 2.3141% | 2,743 |
| Loan and lease loss provision to assets | 0.9561% | 45 |
| Net operating income to assets | 2.2476% | 383 |
| Return on assets (ROA) | 2.2476% | 416 |
| Pretax return on assets | 2.2476% | 639 |
| Return on Equity (ROE) | 17.8615% | 746 |
| Retained earnings to average equity (ytd only) | 10.4174% | 1,543 |
| Net charge-offs to loans | -0.0368% | 4,271 |
| Credit loss provision to net charge-offs | -3,450.0000% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9387% | 4,673 |
| Assets per employee ($millions) | 5.6050% | 3,016 |
| Cash dividends to net income (ytd only)* | 41.6769% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 2,224 |
| Loan loss allowance to noncurrent loans | 91.7920% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 725 |
| Noncurrent loans to loans | 1.4653% | 858 |
| Net loans and leases to total assets | 73.7359% | 836 |
| Net loans and leases to deposits | 85.4636% | 998 |
| Net loans and leases to core deposits | 92.0047% | 1,116 |
| Total domestic deposits to total assets | 86.2775% | 2,638 |
| Equity capital to assets | 12.6040% | 1,042 |
| Core capital (leverage) ratio | 11.9108% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,332,000 | 3,585 |
| Average earning assets | $133,737,000 | 3,588 |
| Average equity | $18,162,000 | 3,408 |
| Average total loans | $108,810,000 | 3,146 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 741 |
| Cost of funding earning assets | 0.8812% | 909 |
| Net interest margin | 3.9161% | 1,174 |
| Noninterest income to average assets | 0.2975% | 3,703 |
| Noninterest expense to average assets | 2.2179% | 3,631 |
| Loan and lease loss provision to assets | 0.5484% | 399 |
| Net operating income to assets | 1.1608% | 1,682 |
| Return on assets (ROA) | 1.1726% | 1,754 |
| Pretax return on assets | 1.1726% | 2,433 |
| Return on Equity (ROE) | 9.4690% | 2,212 |
| Retained earnings to average equity (ytd only) | 1.3527% | 4,086 |
| Net charge-offs to loans | 0.4464% | 374 |
| Credit loss provision to net charge-offs | 164.3750% | 2,346 |
| Earnings coverage of net charge-offs (x) | 5.1229% | 2,896 |
| Efficiency ratio | 56.4779% | 3,921 |
| Assets per employee ($millions) | 5.7173% | 2,605 |
| Cash dividends to net income (ytd only)* | 85.7143% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,793 |
| Loan loss allowance to noncurrent loans | 108.5044% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7157% | 1,453 |
| Noncurrent loans to loans | 0.9411% | 1,498 |
| Net loans and leases to total assets | 75.2723% | 869 |
| Net loans and leases to deposits | 87.2961% | 1,152 |
| Net loans and leases to core deposits | 95.7871% | 1,131 |
| Total domestic deposits to total assets | 86.2264% | 2,263 |
| Equity capital to assets | 12.5625% | 1,289 |
| Core capital (leverage) ratio | 11.7300% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,871,600 | 3,472 |
| Average earning assets | $133,348,400 | 3,464 |
| Average equity | $17,816,000 | 3,386 |
| Average total loans | $107,524,400 | 3,128 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 770 |
| Cost of funding earning assets | 0.9601% | 876 |
| Net interest margin | 3.9165% | 1,314 |
| Noninterest income to average assets | 0.2970% | 3,704 |
| Noninterest expense to average assets | 1.9383% | 4,272 |
| Loan and lease loss provision to assets | 0.5385% | 520 |
| Net operating income to assets | 1.4507% | 996 |
| Return on assets (ROA) | 1.4665% | 1,051 |
| Pretax return on assets | 1.4665% | 1,525 |
| Return on Equity (ROE) | 11.8850% | 1,405 |
| Retained earnings to average equity (ytd only) | 4.0417% | 3,027 |
| Net charge-offs to loans | 0.4625% | 325 |
| Credit loss provision to net charge-offs | 156.4516% | 2,292 |
| Earnings coverage of net charge-offs (x) | 5.7796% | 2,709 |
| Efficiency ratio | 49.3522% | 4,535 |
| Assets per employee ($millions) | 5.7438% | 2,504 |
| Cash dividends to net income (ytd only)* | 65.9937% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 3,969 |
| Loan loss allowance to noncurrent loans | 88.9182% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 1,456 |
| Noncurrent loans to loans | 1.0487% | 1,422 |
| Net loans and leases to total assets | 74.8020% | 1,269 |
| Net loans and leases to deposits | 86.8952% | 1,604 |
| Net loans and leases to core deposits | 95.2910% | 1,526 |
| Total domestic deposits to total assets | 86.0831% | 2,028 |
| Equity capital to assets | 12.7247% | 1,317 |
| Core capital (leverage) ratio | 11.8321% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,106,250 | 3,455 |
| Average earning assets | $133,587,000 | 3,453 |
| Average equity | $17,781,000 | 3,386 |
| Average total loans | $107,230,750 | 3,136 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9848% | 846 |
| Cost of funding earning assets | 1.0595% | 820 |
| Net interest margin | 3.9253% | 1,513 |
| Noninterest income to average assets | 0.3022% | 3,658 |
| Noninterest expense to average assets | 1.8922% | 4,429 |
| Loan and lease loss provision to assets | 0.7097% | 385 |
| Net operating income to assets | 1.3363% | 1,259 |
| Return on assets (ROA) | 1.3599% | 1,295 |
| Pretax return on assets | 1.3599% | 1,839 |
| Return on Equity (ROE) | 11.1368% | 1,591 |
| Retained earnings to average equity (ytd only) | 2.8949% | 3,431 |
| Net charge-offs to loans | 0.5654% | 278 |
| Credit loss provision to net charge-offs | 169.5364% | 2,040 |
| Earnings coverage of net charge-offs (x) | 4.8874% | 2,557 |
| Efficiency ratio | 48.0465% | 4,625 |
| Assets per employee ($millions) | 5.9335% | 2,245 |
| Cash dividends to net income (ytd only)* | 74.0061% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 3,944 |
| Loan loss allowance to noncurrent loans | 96.8391% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7038% | 1,745 |
| Noncurrent loans to loans | 0.9429% | 1,640 |
| Net loans and leases to total assets | 73.9615% | 1,416 |
| Net loans and leases to deposits | 85.3432% | 1,842 |
| Net loans and leases to core deposits | 92.7908% | 1,837 |
| Total domestic deposits to total assets | 86.6636% | 1,750 |
| Equity capital to assets | 12.1264% | 1,587 |
| Core capital (leverage) ratio | 11.2806% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,276,667 | 3,436 |
| Average earning assets | $133,646,000 | 3,425 |
| Average equity | $17,617,333 | 3,403 |
| Average total loans | $106,833,333 | 3,139 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 1,172 |
| Cost of funding earning assets | 1.1885% | 804 |
| Net interest margin | 3.7207% | 2,259 |
| Noninterest income to average assets | 0.3374% | 3,496 |
| Noninterest expense to average assets | 1.6535% | 4,819 |
| Loan and lease loss provision to assets | 0.7592% | 334 |
| Net operating income to assets | 1.3666% | 1,064 |
| Return on assets (ROA) | 1.4145% | 1,022 |
| Pretax return on assets | 1.4145% | 1,512 |
| Return on Equity (ROE) | 11.5420% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.0615% | 2,658 |
| Net charge-offs to loans | 1.1365% | 137 |
| Credit loss provision to net charge-offs | 90.6040% | 1,894 |
| Earnings coverage of net charge-offs (x) | 2.5369% | 2,279 |
| Efficiency ratio | 43.7500% | 4,887 |
| Assets per employee ($millions) | 5.6956% | 1,930 |
| Cash dividends to net income (ytd only)* | 64.8111% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 4,574 |
| Loan loss allowance to noncurrent loans | 59.1431% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 1,454 |
| Noncurrent loans to loans | 1.2190% | 1,340 |
| Net loans and leases to total assets | 74.7593% | 1,497 |
| Net loans and leases to deposits | 86.3915% | 1,949 |
| Net loans and leases to core deposits | 94.5088% | 1,922 |
| Total domestic deposits to total assets | 86.5355% | 1,758 |
| Equity capital to assets | 12.1589% | 1,952 |
| Core capital (leverage) ratio | 11.5850% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,246,000 | 3,434 |
| Average earning assets | $131,589,000 | 3,426 |
| Average equity | $17,432,000 | 3,427 |
| Average total loans | $104,888,000 | 3,157 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2412% | 156 |
| Cost of funding earning assets | 1.5803% | 320 |
| Net interest margin | 4.6608% | 510 |
| Noninterest income to average assets | 0.4491% | 3,012 |
| Noninterest expense to average assets | 2.8195% | 2,540 |
| Loan and lease loss provision to assets | 0.5044% | 256 |
| Net operating income to assets | 1.4390% | 1,224 |
| Return on assets (ROA) | 1.4390% | 1,286 |
| Pretax return on assets | 1.4390% | 2,017 |
| Return on Equity (ROE) | 12.2660% | 1,413 |
| Retained earnings to average equity (ytd only) | 2.9403% | 3,561 |
| Net charge-offs to loans | 0.6257% | 292 |
| Credit loss provision to net charge-offs | 107.7572% | 2,307 |
| Earnings coverage of net charge-offs (x) | 4.1518% | 3,252 |
| Efficiency ratio | 59.1979% | 3,815 |
| Assets per employee ($millions) | 5.9210% | 1,687 |
| Cash dividends to net income (ytd only)* | 76.0285% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 4,364 |
| Loan loss allowance to noncurrent loans | 131.7434% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 2,680 |
| Noncurrent loans to loans | 0.5929% | 2,405 |
| Net loans and leases to total assets | 71.6051% | 2,150 |
| Net loans and leases to deposits | 82.9425% | 2,449 |
| Net loans and leases to core deposits | 90.2098% | 2,402 |
| Total domestic deposits to total assets | 86.3310% | 1,920 |
| Equity capital to assets | 12.3509% | 1,915 |
| Core capital (leverage) ratio | 11.3067% | 2,242 |
| Tier 1 risk-based capital ratio | 14.2167% | 3,162 |
| Total risk-based capital ratio | 14.9165% | 3,333 |
| Memoranda: | ||
| Average total assets | $126,688,800 | 3,606 |
| Average earning assets | $117,253,400 | 3,598 |
| Average equity | $14,862,200 | 3,653 |
| Average total loans | $94,769,600 | 3,299 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5218% | 108 |
| Cost of funding earning assets | 1.6530% | 243 |
| Net interest margin | 4.8688% | 367 |
| Noninterest income to average assets | 0.4776% | 2,864 |
| Noninterest expense to average assets | 2.5432% | 3,317 |
| Loan and lease loss provision to assets | 0.5036% | 240 |
| Net operating income to assets | 1.9418% | 443 |
| Return on assets (ROA) | 1.9418% | 460 |
| Pretax return on assets | 1.9418% | 786 |
| Return on Equity (ROE) | 16.8095% | 503 |
| Retained earnings to average equity (ytd only) | 7.3759% | 1,677 |
| Net charge-offs to loans | 0.3533% | 483 |
| Credit loss provision to net charge-offs | 188.6179% | 1,385 |
| Earnings coverage of net charge-offs (x) | 9.1586% | 2,591 |
| Efficiency ratio | 50.9791% | 4,675 |
| Assets per employee ($millions) | 6.0033% | 1,604 |
| Cash dividends to net income (ytd only)* | 56.1207% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,000 |
| Loan loss allowance to noncurrent loans | 161.6279% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 2,902 |
| Noncurrent loans to loans | 0.5633% | 2,609 |
| Net loans and leases to total assets | 70.5536% | 2,398 |
| Net loans and leases to deposits | 81.3617% | 2,760 |
| Net loans and leases to core deposits | 90.3143% | 2,522 |
| Total domestic deposits to total assets | 86.7160% | 1,672 |
| Equity capital to assets | 11.9121% | 2,318 |
| Core capital (leverage) ratio | 11.1628% | 2,501 |
| Tier 1 risk-based capital ratio | 14.0369% | 3,311 |
| Total risk-based capital ratio | 14.8595% | 3,431 |
| Memoranda: | ||
| Average total assets | $122,835,250 | 3,691 |
| Average earning assets | $113,810,750 | 3,684 |
| Average equity | $14,190,000 | 3,757 |
| Average total loans | $92,823,500 | 3,379 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0722% | 70 |
| Cost of funding earning assets | 1.7472% | 156 |
| Net interest margin | 5.3250% | 161 |
| Noninterest income to average assets | 0.5292% | 2,510 |
| Noninterest expense to average assets | 2.7006% | 2,906 |
| Loan and lease loss provision to assets | 0.3763% | 335 |
| Net operating income to assets | 2.3929% | 176 |
| Return on assets (ROA) | 2.3929% | 182 |
| Pretax return on assets | 2.3929% | 288 |
| Return on Equity (ROE) | 21.0020% | 204 |
| Retained earnings to average equity (ytd only) | 10.0149% | 751 |
| Net charge-offs to loans | 0.2541% | 660 |
| Credit loss provision to net charge-offs | 191.0714% | 1,260 |
| Earnings coverage of net charge-offs (x) | 14.0625% | 2,064 |
| Efficiency ratio | 49.3732% | 4,818 |
| Assets per employee ($millions) | 5.9700% | 1,568 |
| Cash dividends to net income (ytd only)* | 52.3145% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 4,521 |
| Loan loss allowance to noncurrent loans | 252.8024% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,666 |
| Noncurrent loans to loans | 0.3072% | 3,449 |
| Net loans and leases to total assets | 73.3548% | 1,992 |
| Net loans and leases to deposits | 84.5943% | 2,423 |
| Net loans and leases to core deposits | 93.4498% | 2,287 |
| Total domestic deposits to total assets | 86.7136% | 1,723 |
| Equity capital to assets | 11.8613% | 2,296 |
| Core capital (leverage) ratio | 11.2142% | 2,409 |
| Tier 1 risk-based capital ratio | 13.6436% | 3,511 |
| Total risk-based capital ratio | 14.3543% | 3,692 |
| Memoranda: | ||
| Average total assets | $113,752,670 | 3,847 |
| Average earning assets | $105,539,670 | 3,853 |
| Average equity | $12,960,670 | 3,941 |
| Average total loans | $88,144,000 | 3,497 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6763% | 375 |
| Cost of funding earning assets | 1.5566% | 269 |
| Net interest margin | 4.1197% | 1,499 |
| Noninterest income to average assets | 0.5625% | 2,218 |
| Noninterest expense to average assets | 1.9291% | 4,758 |
| Loan and lease loss provision to assets | 0.0625% | 2,411 |
| Net operating income to assets | 2.4082% | 190 |
| Return on assets (ROA) | 2.4082% | 200 |
| Pretax return on assets | 2.4082% | 292 |
| Return on Equity (ROE) | 21.8329% | 178 |
| Retained earnings to average equity (ytd only) | 5.8549% | 2,519 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8447% | 5,107 |
| Assets per employee ($millions) | 5.6954% | 1,796 |
| Cash dividends to net income (ytd only)* | 73.1834% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5767% | 4,978 |
| Loan loss allowance to noncurrent loans | 90.1010% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 2,581 |
| Noncurrent loans to loans | 0.6400% | 2,414 |
| Net loans and leases to total assets | 79.4179% | 920 |
| Net loans and leases to deposits | 91.0602% | 1,505 |
| Net loans and leases to core deposits | 101.3470% | 1,512 |
| Total domestic deposits to total assets | 87.2147% | 1,708 |
| Equity capital to assets | 11.0533% | 2,796 |
| Core capital (leverage) ratio | 10.2351% | 3,347 |
| Tier 1 risk-based capital ratio | 12.0406% | 4,435 |
| Total risk-based capital ratio | 12.5953% | 4,719 |
| Memoranda: | ||
| Average total assets | $96,004,000 | 4,169 |
| Average earning assets | $89,424,500 | 4,159 |
| Average equity | $10,589,500 | 4,253 |
| Average total loans | $77,046,500 | 3,752 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 322 |
| Cost of funding earning assets | 1.1677% | 382 |
| Net interest margin | 4.4546% | 830 |
| Noninterest income to average assets | 0.3408% | 3,834 |
| Noninterest expense to average assets | 2.3547% | 3,983 |
| Loan and lease loss provision to assets | 0.1489% | 1,427 |
| Net operating income to assets | 1.9985% | 361 |
| Return on assets (ROA) | 1.9985% | 358 |
| Pretax return on assets | 1.9985% | 565 |
| Return on Equity (ROE) | 17.6271% | 426 |
| Retained earnings to average equity (ytd only) | 7.5878% | 1,420 |
| Net charge-offs to loans | 0.5422% | 329 |
| Credit loss provision to net charge-offs | 34.6154% | 3,323 |
| Earnings coverage of net charge-offs (x) | 4.9923% | 3,235 |
| Efficiency ratio | 52.3028% | 4,769 |
| Assets per employee ($millions) | 5.5992% | 1,866 |
| Cash dividends to net income (ytd only)* | 56.9536% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 5,038 |
| Loan loss allowance to noncurrent loans | 104.1063% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 2,827 |
| Noncurrent loans to loans | 0.5394% | 2,657 |
| Net loans and leases to total assets | 80.1820% | 911 |
| Net loans and leases to deposits | 91.8679% | 1,567 |
| Net loans and leases to core deposits | 98.3620% | 1,846 |
| Total domestic deposits to total assets | 87.2796% | 1,649 |
| Equity capital to assets | 11.0069% | 2,682 |
| Core capital (leverage) ratio | 10.2726% | 3,283 |
| Tier 1 risk-based capital ratio | 11.9369% | 4,469 |
| Total risk-based capital ratio | 12.4773% | 4,771 |
| Memoranda: | ||
| Average total assets | $90,667,800 | 4,258 |
| Average earning assets | $84,699,600 | 4,240 |
| Average equity | $10,279,600 | 4,269 |
| Average total loans | $71,928,600 | 3,831 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 308 |
| Cost of funding earning assets | 1.0869% | 422 |
| Net interest margin | 4.4960% | 750 |
| Noninterest income to average assets | 0.3455% | 3,836 |
| Noninterest expense to average assets | 1.8524% | 4,975 |
| Loan and lease loss provision to assets | 0.0670% | 2,639 |
| Net operating income to assets | 2.6208% | 128 |
| Return on assets (ROA) | 2.6208% | 125 |
| Pretax return on assets | 2.6208% | 185 |
| Return on Equity (ROE) | 22.9380% | 134 |
| Retained earnings to average equity (ytd only) | 13.4630% | 306 |
| Net charge-offs to loans | 0.3582% | 454 |
| Credit loss provision to net charge-offs | 23.6842% | 2,996 |
| Earnings coverage of net charge-offs (x) | 9.4999% | 2,640 |
| Efficiency ratio | 40.8003% | 5,311 |
| Assets per employee ($millions) | 5.4029% | 2,016 |
| Cash dividends to net income (ytd only)* | 41.3068% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 4,772 |
| Loan loss allowance to noncurrent loans | 69.0051% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.8536% | 1,735 |
| Noncurrent loans to loans | 1.0766% | 1,581 |
| Net loans and leases to total assets | 78.6957% | 1,217 |
| Net loans and leases to deposits | 90.8819% | 1,776 |
| Net loans and leases to core deposits | 97.6072% | 1,972 |
| Total domestic deposits to total assets | 86.5912% | 1,919 |
| Equity capital to assets | 11.6287% | 2,157 |
| Core capital (leverage) ratio | 10.8685% | 2,705 |
| Tier 1 risk-based capital ratio | 12.3736% | 4,266 |
| Total risk-based capital ratio | 13.0591% | 4,493 |
| Memoranda: | ||
| Average total assets | $89,538,250 | 4,316 |
| Average earning assets | $83,539,250 | 4,302 |
| Average equity | $10,230,250 | 4,315 |
| Average total loans | $70,722,500 | 3,891 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 295 |
| Cost of funding earning assets | 0.9921% | 484 |
| Net interest margin | 4.5684% | 595 |
| Noninterest income to average assets | 0.3425% | 3,887 |
| Noninterest expense to average assets | 1.7574% | 5,145 |
| Loan and lease loss provision to assets | 0.0676% | 2,530 |
| Net operating income to assets | 2.7713% | 101 |
| Return on assets (ROA) | 2.7713% | 100 |
| Pretax return on assets | 2.7713% | 144 |
| Return on Equity (ROE) | 24.4048% | 102 |
| Retained earnings to average equity (ytd only) | 16.8254% | 128 |
| Net charge-offs to loans | -0.0343% | 4,789 |
| Credit loss provision to net charge-offs | -250.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2353% | 5,428 |
| Assets per employee ($millions) | 5.4386% | 1,957 |
| Cash dividends to net income (ytd only)* | 31.0569% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.6704% | 915 |
| Net loans and leases to deposits | 93.7698% | 1,382 |
| Net loans and leases to core deposits | 101.1572% | 1,640 |
| Total domestic deposits to total assets | 86.0303% | 2,264 |
| Equity capital to assets | 12.0953% | 1,786 |
| Core capital (leverage) ratio | 11.1355% | 2,404 |
| Tier 1 risk-based capital ratio | 12.4798% | 4,196 |
| Total risk-based capital ratio | 13.4288% | 4,264 |
| Memoranda: | ||
| Average total assets | $88,767,670 | 4,369 |
| Average earning assets | $82,654,000 | 4,350 |
| Average equity | $10,080,000 | 4,370 |
| Average total loans | $70,022,330 | 3,937 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4101% | 327 |
| Cost of funding earning assets | 0.9919% | 381 |
| Net interest margin | 4.4182% | 738 |
| Noninterest income to average assets | 0.3436% | 3,853 |
| Noninterest expense to average assets | 1.6510% | 5,291 |
| Loan and lease loss provision to assets | 0.0669% | 2,433 |
| Net operating income to assets | 2.7398% | 99 |
| Return on assets (ROA) | 2.7398% | 100 |
| Pretax return on assets | 2.7398% | 146 |
| Return on Equity (ROE) | 24.9150% | 87 |
| Retained earnings to average equity (ytd only) | 23.9006% | 54 |
| Net charge-offs to loans | -0.0690% | 5,104 |
| Credit loss provision to net charge-offs | -125.0000% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0370% | 5,502 |
| Assets per employee ($millions) | 5.6021% | 1,846 |
| Cash dividends to net income (ytd only)* | 4.0717% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.7190% | 1,578 |
| Net loans and leases to deposits | 86.2126% | 2,139 |
| Net loans and leases to core deposits | 95.5606% | 2,010 |
| Total domestic deposits to total assets | 87.8283% | 1,711 |
| Equity capital to assets | 11.4577% | 2,165 |
| Core capital (leverage) ratio | 10.4330% | 3,028 |
| Tier 1 risk-based capital ratio | 12.2586% | 4,400 |
| Total risk-based capital ratio | 13.1978% | 4,474 |
| Memoranda: | ||
| Average total assets | $89,643,000 | 4,403 |
| Average earning assets | $83,473,000 | 4,383 |
| Average equity | $9,857,500 | 4,448 |
| Average total loans | $69,571,000 | 3,976 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 412 |
| Cost of funding earning assets | 0.8534% | 472 |
| Net interest margin | 4.3843% | 801 |
| Noninterest income to average assets | 0.4504% | 3,309 |
| Noninterest expense to average assets | 2.5315% | 3,677 |
| Loan and lease loss provision to assets | 0.0696% | 2,807 |
| Net operating income to assets | 1.9338% | 322 |
| Return on assets (ROA) | 1.9338% | 327 |
| Pretax return on assets | 1.9338% | 567 |
| Return on Equity (ROE) | 17.7843% | 325 |
| Retained earnings to average equity (ytd only) | 4.6436% | 2,361 |
| Net charge-offs to loans | -0.0101% | 4,793 |
| Credit loss provision to net charge-offs | -857.1429% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8229% | 4,783 |
| Assets per employee ($millions) | 5.6033% | 1,844 |
| Cash dividends to net income (ytd only)* | 73.8896% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 4,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 77.9380% | 1,297 |
| Net loans and leases to deposits | 87.8077% | 2,039 |
| Net loans and leases to core deposits | 97.6821% | 1,886 |
| Total domestic deposits to total assets | 88.7599% | 1,112 |
| Equity capital to assets | 10.5352% | 3,131 |
| Core capital (leverage) ratio | 9.6653% | 3,852 |
| Tier 1 risk-based capital ratio | 10.8419% | 5,237 |
| Total risk-based capital ratio | 11.7255% | 5,288 |
| Memoranda: | ||
| Average total assets | $86,153,800 | 4,484 |
| Average earning assets | $80,264,400 | 4,459 |
| Average equity | $9,367,800 | 4,546 |
| Average total loans | $69,024,600 | 3,988 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 409 |
| Cost of funding earning assets | 0.8240% | 501 |
| Net interest margin | 4.3902% | 739 |
| Noninterest income to average assets | 0.4190% | 3,565 |
| Noninterest expense to average assets | 1.9934% | 4,965 |
| Loan and lease loss provision to assets | 0.0704% | 2,671 |
| Net operating income to assets | 2.4452% | 145 |
| Return on assets (ROA) | 2.4452% | 146 |
| Pretax return on assets | 2.4452% | 231 |
| Return on Equity (ROE) | 22.3060% | 130 |
| Retained earnings to average equity (ytd only) | 9.1135% | 807 |
| Net charge-offs to loans | -0.0369% | 5,070 |
| Credit loss provision to net charge-offs | -236.8421% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2094% | 5,476 |
| Assets per employee ($millions) | 5.4026% | 2,016 |
| Cash dividends to net income (ytd only)* | 59.1431% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 80.1981% | 956 |
| Net loans and leases to deposits | 91.1378% | 1,672 |
| Net loans and leases to core deposits | 102.1183% | 1,539 |
| Total domestic deposits to total assets | 87.9964% | 1,364 |
| Equity capital to assets | 11.2435% | 2,625 |
| Core capital (leverage) ratio | 10.2311% | 3,278 |
| Tier 1 risk-based capital ratio | 11.3847% | 5,024 |
| Total risk-based capital ratio | 12.2872% | 5,115 |
| Memoranda: | ||
| Average total assets | $85,279,250 | 4,542 |
| Average earning assets | $79,447,500 | 4,515 |
| Average equity | $9,348,500 | 4,597 |
| Average total loans | $68,641,000 | 4,026 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 452 |
| Cost of funding earning assets | 0.7974% | 532 |
| Net interest margin | 4.3189% | 815 |
| Noninterest income to average assets | 0.4005% | 3,690 |
| Noninterest expense to average assets | 1.8659% | 5,230 |
| Loan and lease loss provision to assets | 0.0707% | 2,560 |
| Net operating income to assets | 2.4832% | 133 |
| Return on assets (ROA) | 2.4832% | 132 |
| Pretax return on assets | 2.4832% | 218 |
| Return on Equity (ROE) | 22.8509% | 108 |
| Retained earnings to average equity (ytd only) | 9.3225% | 755 |
| Net charge-offs to loans | -0.0411% | 5,085 |
| Credit loss provision to net charge-offs | -214.2857% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2175% | 5,566 |
| Assets per employee ($millions) | 5.2593% | 2,101 |
| Cash dividends to net income (ytd only)* | 59.2030% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 4,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.0221% | 952 |
| Net loans and leases to deposits | 91.0292% | 1,608 |
| Net loans and leases to core deposits | 101.8652% | 1,520 |
| Total domestic deposits to total assets | 87.9082% | 1,503 |
| Equity capital to assets | 11.3158% | 2,482 |
| Core capital (leverage) ratio | 10.0955% | 3,412 |
| Tier 1 risk-based capital ratio | 11.3769% | 5,036 |
| Total risk-based capital ratio | 12.2748% | 5,137 |
| Memoranda: | ||
| Average total assets | $84,892,000 | 4,572 |
| Average earning assets | $79,002,330 | 4,549 |
| Average equity | $9,225,000 | 4,644 |
| Average total loans | $68,185,670 | 4,055 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0593% | 478 |
| Cost of funding earning assets | 0.7718% | 574 |
| Net interest margin | 4.2875% | 816 |
| Noninterest income to average assets | 0.3847% | 3,777 |
| Noninterest expense to average assets | 1.7217% | 5,457 |
| Loan and lease loss provision to assets | 0.0704% | 2,402 |
| Net operating income to assets | 2.5802% | 125 |
| Return on assets (ROA) | 2.5802% | 130 |
| Pretax return on assets | 2.5802% | 195 |
| Return on Equity (ROE) | 24.2384% | 102 |
| Retained earnings to average equity (ytd only) | 11.0615% | 593 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3777% | 5,709 |
| Assets per employee ($millions) | 4.9809% | 2,473 |
| Cash dividends to net income (ytd only)* | 54.3636% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 4,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 79.2654% | 939 |
| Net loans and leases to deposits | 89.7251% | 1,570 |
| Net loans and leases to core deposits | 99.5196% | 1,540 |
| Total domestic deposits to total assets | 88.3425% | 1,514 |
| Equity capital to assets | 10.8828% | 2,764 |
| Core capital (leverage) ratio | 9.7487% | 3,814 |
| Tier 1 risk-based capital ratio | 11.2584% | 5,165 |
| Total risk-based capital ratio | 12.1274% | 5,295 |
| Memoranda: | ||
| Average total assets | $85,264,000 | 4,619 |
| Average earning assets | $79,299,500 | 4,588 |
| Average equity | $9,076,500 | 4,700 |
| Average total loans | $68,278,500 | 4,088 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9824% | 610 |
| Cost of funding earning assets | 0.7160% | 760 |
| Net interest margin | 4.2664% | 987 |
| Noninterest income to average assets | 0.4246% | 3,715 |
| Noninterest expense to average assets | 2.5044% | 3,994 |
| Loan and lease loss provision to assets | 0.0724% | 2,908 |
| Net operating income to assets | 1.8228% | 425 |
| Return on assets (ROA) | 1.8276% | 440 |
| Pretax return on assets | 1.8276% | 745 |
| Return on Equity (ROE) | 16.6916% | 436 |
| Retained earnings to average equity (ytd only) | 4.6164% | 2,626 |
| Net charge-offs to loans | 0.0299% | 3,420 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 78.5500% | 724 |
| Efficiency ratio | 56.9235% | 4,960 |
| Assets per employee ($millions) | 5.7235% | 1,676 |
| Cash dividends to net income (ytd only)* | 72.3432% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 4,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.4218% | 973 |
| Net loans and leases to deposits | 89.4020% | 1,747 |
| Net loans and leases to core deposits | 99.0126% | 1,706 |
| Total domestic deposits to total assets | 88.8367% | 1,190 |
| Equity capital to assets | 10.4108% | 3,257 |
| Core capital (leverage) ratio | 9.5877% | 3,982 |
| Tier 1 risk-based capital ratio | 10.8088% | 5,432 |
| Total risk-based capital ratio | 11.6458% | 5,556 |
| Memoranda: | ||
| Average total assets | $82,894,400 | 4,669 |
| Average earning assets | $77,231,600 | 4,639 |
| Average equity | $9,076,400 | 4,744 |
| Average total loans | $66,841,800 | 4,123 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 626 |
| Cost of funding earning assets | 0.6972% | 826 |
| Net interest margin | 4.2857% | 957 |
| Noninterest income to average assets | 0.4301% | 3,693 |
| Noninterest expense to average assets | 2.0059% | 5,189 |
| Loan and lease loss provision to assets | 0.0730% | 2,753 |
| Net operating income to assets | 2.3516% | 199 |
| Return on assets (ROA) | 2.3581% | 204 |
| Pretax return on assets | 2.3581% | 275 |
| Return on Equity (ROE) | 21.2631% | 183 |
| Retained earnings to average equity (ytd only) | 9.2194% | 751 |
| Net charge-offs to loans | 0.0020% | 3,866 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,497.7068% | 39 |
| Efficiency ratio | 45.2747% | 5,700 |
| Assets per employee ($millions) | 5.5462% | 1,808 |
| Cash dividends to net income (ytd only)* | 56.6418% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9375% | 4,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.1305% | 1,018 |
| Net loans and leases to deposits | 90.2252% | 1,723 |
| Net loans and leases to core deposits | 100.4011% | 1,594 |
| Total domestic deposits to total assets | 87.7033% | 1,554 |
| Equity capital to assets | 11.3159% | 2,686 |
| Core capital (leverage) ratio | 10.2127% | 3,322 |
| Tier 1 risk-based capital ratio | 11.5632% | 5,047 |
| Total risk-based capital ratio | 12.4382% | 5,170 |
| Memoranda: | ||
| Average total assets | $82,154,750 | 4,727 |
| Average earning assets | $76,688,000 | 4,692 |
| Average equity | $9,111,000 | 4,785 |
| Average total loans | $66,351,000 | 4,159 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 599 |
| Cost of funding earning assets | 0.6743% | 923 |
| Net interest margin | 4.3200% | 887 |
| Noninterest income to average assets | 0.4058% | 3,833 |
| Noninterest expense to average assets | 1.9191% | 5,422 |
| Loan and lease loss provision to assets | 0.0733% | 2,674 |
| Net operating income to assets | 2.4545% | 163 |
| Return on assets (ROA) | 2.4643% | 165 |
| Pretax return on assets | 2.4643% | 232 |
| Return on Equity (ROE) | 22.3751% | 144 |
| Retained earnings to average equity (ytd only) | 10.4550% | 513 |
| Net charge-offs to loans | 0.0030% | 3,600 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 1,034.0000% | 45 |
| Efficiency ratio | 43.1556% | 5,835 |
| Assets per employee ($millions) | 5.0336% | 2,266 |
| Cash dividends to net income (ytd only)* | 53.2738% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 4,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.4910% | 828 |
| Net loans and leases to deposits | 92.0156% | 1,511 |
| Net loans and leases to core deposits | 99.1784% | 1,695 |
| Total domestic deposits to total assets | 87.4753% | 1,680 |
| Equity capital to assets | 11.5164% | 2,532 |
| Core capital (leverage) ratio | 10.0766% | 3,479 |
| Tier 1 risk-based capital ratio | 11.4408% | 5,196 |
| Total risk-based capital ratio | 12.3029% | 5,312 |
| Memoranda: | ||
| Average total assets | $81,808,670 | 4,777 |
| Average earning assets | $76,527,670 | 4,744 |
| Average equity | $9,010,000 | 4,838 |
| Average total loans | $66,316,670 | 4,188 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 643 |
| Cost of funding earning assets | 0.6483% | 1,064 |
| Net interest margin | 4.2993% | 934 |
| Noninterest income to average assets | 0.3639% | 4,117 |
| Noninterest expense to average assets | 1.7224% | 5,733 |
| Loan and lease loss provision to assets | 0.0728% | 2,504 |
| Net operating income to assets | 2.5908% | 139 |
| Return on assets (ROA) | 2.5908% | 144 |
| Pretax return on assets | 2.5908% | 208 |
| Return on Equity (ROE) | 24.0608% | 112 |
| Retained earnings to average equity (ytd only) | 14.1481% | 309 |
| Net charge-offs to loans | 0.0240% | 2,452 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 137.2500% | 432 |
| Efficiency ratio | 39.2699% | 5,981 |
| Assets per employee ($millions) | 5.0835% | 2,255 |
| Cash dividends to net income (ytd only)* | 41.1985% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8835% | 5,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.3785% | 641 |
| Net loans and leases to deposits | 92.6019% | 1,274 |
| Net loans and leases to core deposits | 100.8348% | 1,418 |
| Total domestic deposits to total assets | 87.8799% | 1,705 |
| Equity capital to assets | 11.1255% | 2,801 |
| Core capital (leverage) ratio | 9.7095% | 3,898 |
| Tier 1 risk-based capital ratio | 11.0291% | 5,487 |
| Total risk-based capital ratio | 11.8520% | 5,614 |
| Memoranda: | ||
| Average total assets | $82,444,500 | 4,800 |
| Average earning assets | $77,128,000 | 4,767 |
| Average equity | $8,877,500 | 4,894 |
| Average total loans | $66,758,500 | 4,198 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 781 |
| Cost of funding earning assets | 0.6198% | 1,237 |
| Net interest margin | 4.2734% | 1,015 |
| Noninterest income to average assets | 0.4134% | 3,932 |
| Noninterest expense to average assets | 2.4883% | 4,263 |
| Loan and lease loss provision to assets | 0.0607% | 3,089 |
| Net operating income to assets | 1.8485% | 447 |
| Return on assets (ROA) | 1.8485% | 456 |
| Pretax return on assets | 1.8485% | 729 |
| Return on Equity (ROE) | 17.0627% | 446 |
| Retained earnings to average equity (ytd only) | 6.2439% | 1,679 |
| Net charge-offs to loans | 0.0991% | 2,429 |
| Credit loss provision to net charge-offs | 75.0000% | 3,036 |
| Earnings coverage of net charge-offs (x) | 23.5938% | 1,726 |
| Efficiency ratio | 56.5842% | 5,288 |
| Assets per employee ($millions) | 5.2221% | 2,096 |
| Cash dividends to net income (ytd only)* | 63.4063% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 5,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.1809% | 965 |
| Net loans and leases to deposits | 89.3665% | 1,702 |
| Net loans and leases to core deposits | 99.6340% | 1,539 |
| Total domestic deposits to total assets | 88.6024% | 1,330 |
| Equity capital to assets | 10.4197% | 3,457 |
| Core capital (leverage) ratio | 9.6782% | 3,935 |
| Tier 1 risk-based capital ratio | 10.5313% | 5,761 |
| Total risk-based capital ratio | 11.3302% | 5,865 |
| Memoranda: | ||
| Average total assets | $79,091,000 | 4,892 |
| Average earning assets | $73,735,200 | 4,862 |
| Average equity | $8,568,400 | 4,945 |
| Average total loans | $64,555,600 | 4,243 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9199% | 737 |
| Cost of funding earning assets | 0.6017% | 1,395 |
| Net interest margin | 4.3182% | 929 |
| Noninterest income to average assets | 0.3950% | 4,121 |
| Noninterest expense to average assets | 2.0074% | 5,465 |
| Loan and lease loss provision to assets | 0.0616% | 2,950 |
| Net operating income to assets | 2.3511% | 201 |
| Return on assets (ROA) | 2.3511% | 211 |
| Pretax return on assets | 2.3511% | 316 |
| Return on Equity (ROE) | 21.4822% | 207 |
| Retained earnings to average equity (ytd only) | 10.9208% | 488 |
| Net charge-offs to loans | 0.1333% | 1,801 |
| Credit loss provision to net charge-offs | 56.2500% | 2,959 |
| Earnings coverage of net charge-offs (x) | 22.0472% | 1,802 |
| Efficiency ratio | 45.4159% | 5,984 |
| Assets per employee ($millions) | 4.9276% | 2,389 |
| Cash dividends to net income (ytd only)* | 49.1635% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 5,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.7085% | 505 |
| Net loans and leases to deposits | 94.4921% | 1,139 |
| Net loans and leases to core deposits | 104.0248% | 1,223 |
| Total domestic deposits to total assets | 87.5295% | 1,794 |
| Equity capital to assets | 11.2313% | 2,770 |
| Core capital (leverage) ratio | 10.3279% | 3,222 |
| Tier 1 risk-based capital ratio | 11.0992% | 5,613 |
| Total risk-based capital ratio | 11.9069% | 5,749 |
| Memoranda: | ||
| Average total assets | $77,975,500 | 4,967 |
| Average earning assets | $72,683,250 | 4,939 |
| Average equity | $8,534,000 | 5,009 |
| Average total loans | $64,010,250 | 4,303 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 760 |
| Cost of funding earning assets | 0.5807% | 1,557 |
| Net interest margin | 4.3025% | 918 |
| Noninterest income to average assets | 0.3759% | 4,258 |
| Noninterest expense to average assets | 1.9154% | 5,687 |
| Loan and lease loss provision to assets | 0.0618% | 2,873 |
| Net operating income to assets | 2.4045% | 193 |
| Return on assets (ROA) | 2.4045% | 201 |
| Pretax return on assets | 2.4045% | 281 |
| Return on Equity (ROE) | 22.1668% | 189 |
| Retained earnings to average equity (ytd only) | 12.0802% | 387 |
| Net charge-offs to loans | 0.2018% | 1,250 |
| Credit loss provision to net charge-offs | 37.5000% | 2,844 |
| Earnings coverage of net charge-offs (x) | 14.9688% | 2,014 |
| Efficiency ratio | 43.7133% | 6,124 |
| Assets per employee ($millions) | 4.7091% | 2,666 |
| Cash dividends to net income (ytd only)* | 45.5032% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 5,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.5888% | 404 |
| Net loans and leases to deposits | 95.7973% | 982 |
| Net loans and leases to core deposits | 105.5419% | 1,099 |
| Total domestic deposits to total assets | 87.2560% | 2,034 |
| Equity capital to assets | 11.4381% | 2,469 |
| Core capital (leverage) ratio | 10.0293% | 3,552 |
| Tier 1 risk-based capital ratio | 11.5565% | 5,426 |
| Total risk-based capital ratio | 12.4006% | 5,564 |
| Memoranda: | ||
| Average total assets | $77,686,670 | 5,025 |
| Average earning assets | $72,330,330 | 4,994 |
| Average equity | $8,427,000 | 5,068 |
| Average total loans | $63,421,670 | 4,358 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 843 |
| Cost of funding earning assets | 0.5508% | 1,834 |
| Net interest margin | 4.2595% | 959 |
| Noninterest income to average assets | 0.3855% | 4,118 |
| Noninterest expense to average assets | 1.7956% | 5,908 |
| Loan and lease loss provision to assets | 0.0609% | 2,713 |
| Net operating income to assets | 2.4906% | 157 |
| Return on assets (ROA) | 2.4906% | 168 |
| Pretax return on assets | 2.4906% | 244 |
| Return on Equity (ROE) | 23.5732% | 138 |
| Retained earnings to average equity (ytd only) | 14.9793% | 286 |
| Net charge-offs to loans | 0.0884% | 1,835 |
| Credit loss provision to net charge-offs | 85.7143% | 1,774 |
| Earnings coverage of net charge-offs (x) | 35.9286% | 1,040 |
| Efficiency ratio | 41.3069% | 6,241 |
| Assets per employee ($millions) | 5.3094% | 1,983 |
| Cash dividends to net income (ytd only)* | 36.4562% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 5,168 |
| Loan loss allowance to noncurrent loans | 56.5840% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 2,022 |
| Noncurrent loans to loans | 1.7145% | 1,596 |
| Net loans and leases to total assets | 76.0048% | 1,207 |
| Net loans and leases to deposits | 86.2732% | 1,793 |
| Net loans and leases to core deposits | 93.9981% | 1,773 |
| Total domestic deposits to total assets | 88.0978% | 1,760 |
| Equity capital to assets | 10.6716% | 3,344 |
| Core capital (leverage) ratio | 9.6429% | 4,096 |
| Tier 1 risk-based capital ratio | 11.3029% | 5,659 |
| Total risk-based capital ratio | 12.2089% | 5,758 |
| Memoranda: | ||
| Average total assets | $78,857,500 | 5,048 |
| Average earning assets | $73,342,000 | 5,016 |
| Average equity | $8,331,500 | 5,132 |
| Average total loans | $63,365,000 | 4,386 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 711 |
| Cost of funding earning assets | 0.5950% | 1,805 |
| Net interest margin | 4.4464% | 821 |
| Noninterest income to average assets | 0.3867% | 4,284 |
| Noninterest expense to average assets | 2.6531% | 4,036 |
| Loan and lease loss provision to assets | 0.0658% | 3,183 |
| Net operating income to assets | 1.7660% | 507 |
| Return on assets (ROA) | 1.7660% | 520 |
| Pretax return on assets | 1.7660% | 856 |
| Return on Equity (ROE) | 15.6649% | 667 |
| Retained earnings to average equity (ytd only) | 0.8149% | 5,402 |
| Net charge-offs to loans | 0.0050% | 4,849 |
| Credit loss provision to net charge-offs | 1,600.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 445.3333% | 117 |
| Efficiency ratio | 59.1562% | 5,327 |
| Assets per employee ($millions) | 5.5767% | 1,704 |
| Cash dividends to net income (ytd only)* | 94.7981% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 5,456 |
| Loan loss allowance to noncurrent loans | 51.1168% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4909% | 1,838 |
| Noncurrent loans to loans | 1.7742% | 1,622 |
| Net loans and leases to total assets | 83.2684% | 404 |
| Net loans and leases to deposits | 94.3241% | 1,047 |
| Net loans and leases to core deposits | 101.9764% | 1,248 |
| Total domestic deposits to total assets | 88.2791% | 1,622 |
| Equity capital to assets | 10.4567% | 3,537 |
| Core capital (leverage) ratio | 9.2930% | 4,550 |
| Tier 1 risk-based capital ratio | 10.1310% | 6,222 |
| Total risk-based capital ratio | 11.0015% | 6,278 |
| Memoranda: | ||
| Average total assets | $72,932,600 | 5,206 |
| Average earning assets | $67,223,200 | 5,192 |
| Average equity | $8,222,200 | 5,145 |
| Average total loans | $60,397,000 | 4,475 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 667 |
| Cost of funding earning assets | 0.5981% | 1,853 |
| Net interest margin | 4.4877% | 757 |
| Noninterest income to average assets | 0.3703% | 4,465 |
| Noninterest expense to average assets | 2.2275% | 5,290 |
| Loan and lease loss provision to assets | 0.0670% | 3,009 |
| Net operating income to assets | 2.2089% | 233 |
| Return on assets (ROA) | 2.2089% | 240 |
| Pretax return on assets | 2.2089% | 362 |
| Return on Equity (ROE) | 19.2143% | 329 |
| Retained earnings to average equity (ytd only) | 2.6871% | 4,674 |
| Net charge-offs to loans | 0.0068% | 4,468 |
| Credit loss provision to net charge-offs | 1,200.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 407.6575% | 180 |
| Efficiency ratio | 49.4628% | 6,118 |
| Assets per employee ($millions) | 5.4306% | 1,792 |
| Cash dividends to net income (ytd only)* | 86.0151% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 5,545 |
| Loan loss allowance to noncurrent loans | 50.0859% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5310% | 2,007 |
| Noncurrent loans to loans | 1.8344% | 1,747 |
| Net loans and leases to total assets | 82.6932% | 440 |
| Net loans and leases to deposits | 95.0689% | 954 |
| Net loans and leases to core deposits | 102.4826% | 1,188 |
| Total domestic deposits to total assets | 86.9824% | 2,332 |
| Equity capital to assets | 10.8447% | 3,134 |
| Core capital (leverage) ratio | 9.6794% | 4,111 |
| Tier 1 risk-based capital ratio | 10.5394% | 6,198 |
| Total risk-based capital ratio | 11.4155% | 6,268 |
| Memoranda: | ||
| Average total assets | $71,647,250 | 5,292 |
| Average earning assets | $65,986,500 | 5,284 |
| Average equity | $8,236,750 | 5,183 |
| Average total loans | $59,094,750 | 4,556 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1238% | 588 |
| Cost of funding earning assets | 0.5990% | 1,906 |
| Net interest margin | 4.5248% | 671 |
| Noninterest income to average assets | 0.3476% | 4,648 |
| Noninterest expense to average assets | 2.1941% | 5,428 |
| Loan and lease loss provision to assets | 0.0684% | 2,901 |
| Net operating income to assets | 2.2397% | 213 |
| Return on assets (ROA) | 2.2397% | 223 |
| Pretax return on assets | 2.2397% | 336 |
| Return on Equity (ROE) | 19.0916% | 354 |
| Retained earnings to average equity (ytd only) | 3.8377% | 3,738 |
| Net charge-offs to loans | 0.0035% | 4,268 |
| Credit loss provision to net charge-offs | 2,400.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 810.0000% | 81 |
| Efficiency ratio | 48.7342% | 6,244 |
| Assets per employee ($millions) | 4.4042% | 3,082 |
| Cash dividends to net income (ytd only)* | 79.8982% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 5,531 |
| Loan loss allowance to noncurrent loans | 49.2268% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6518% | 1,972 |
| Noncurrent loans to loans | 1.9451% | 1,743 |
| Net loans and leases to total assets | 84.1103% | 292 |
| Net loans and leases to deposits | 97.8279% | 681 |
| Net loans and leases to core deposits | 105.7373% | 908 |
| Total domestic deposits to total assets | 85.9778% | 3,053 |
| Equity capital to assets | 11.6636% | 2,269 |
| Core capital (leverage) ratio | 10.0919% | 3,481 |
| Tier 1 risk-based capital ratio | 11.2362% | 5,940 |
| Total risk-based capital ratio | 12.1565% | 6,036 |
| Memoranda: | ||
| Average total assets | $70,187,000 | 5,385 |
| Average earning assets | $64,444,330 | 5,371 |
| Average equity | $8,234,000 | 5,206 |
| Average total loans | $57,642,000 | 4,633 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 792 |
| Cost of funding earning assets | 0.5982% | 1,985 |
| Net interest margin | 4.3493% | 898 |
| Noninterest income to average assets | 0.3198% | 4,814 |
| Noninterest expense to average assets | 1.9872% | 5,910 |
| Loan and lease loss provision to assets | 0.0685% | 2,762 |
| Net operating income to assets | 2.2499% | 216 |
| Return on assets (ROA) | 2.2499% | 226 |
| Pretax return on assets | 2.2499% | 330 |
| Return on Equity (ROE) | 19.1227% | 349 |
| Retained earnings to average equity (ytd only) | 19.1227% | 139 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1538% | 6,419 |
| Assets per employee ($millions) | 4.4171% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 5,360 |
| Loan loss allowance to noncurrent loans | 42.4471% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 1.8734% | 1,843 |
| Noncurrent loans to loans | 2.4466% | 1,426 |
| Net loans and leases to total assets | 75.7786% | 1,028 |
| Net loans and leases to deposits | 88.4008% | 1,315 |
| Net loans and leases to core deposits | 96.5790% | 1,343 |
| Total domestic deposits to total assets | 85.7216% | 3,504 |
| Equity capital to assets | 11.9296% | 1,917 |
| Core capital (leverage) ratio | 10.3464% | 3,119 |
| Tier 1 risk-based capital ratio | 12.4877% | 5,321 |
| Total risk-based capital ratio | 13.4594% | 5,435 |
| Memoranda: | ||
| Average total assets | $70,047,000 | 5,444 |
| Average earning assets | $64,194,500 | 5,432 |
| Average equity | $8,241,500 | 5,232 |
| Average total loans | $56,541,500 | 4,706 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4007% | 431 |
| Cost of funding earning assets | 0.6638% | 2,082 |
| Net interest margin | 4.7369% | 484 |
| Noninterest income to average assets | 0.3682% | 4,677 |
| Noninterest expense to average assets | 2.9643% | 3,149 |
| Loan and lease loss provision to assets | 0.0894% | 3,327 |
| Net operating income to assets | 1.6131% | 670 |
| Return on assets (ROA) | 1.6131% | 694 |
| Pretax return on assets | 1.6131% | 1,138 |
| Return on Equity (ROE) | 13.4728% | 1,076 |
| Retained earnings to average equity (ytd only) | 8.3256% | 946 |
| Net charge-offs to loans | -0.0475% | 6,325 |
| Credit loss provision to net charge-offs | -223.0769% | 6,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5193% | 4,983 |
| Assets per employee ($millions) | 4.3388% | 3,197 |
| Cash dividends to net income (ytd only)* | 38.2044% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 5,814 |
| Loan loss allowance to noncurrent loans | 35.4153% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 2.2371% | 1,588 |
| Noncurrent loans to loans | 2.6337% | 1,413 |
| Net loans and leases to total assets | 84.1474% | 245 |
| Net loans and leases to deposits | 97.8460% | 599 |
| Net loans and leases to core deposits | 108.0317% | 698 |
| Total domestic deposits to total assets | 85.9999% | 3,256 |
| Equity capital to assets | 11.5988% | 2,097 |
| Core capital (leverage) ratio | 10.2422% | 3,228 |
| Tier 1 risk-based capital ratio | 11.0907% | 6,125 |
| Total risk-based capital ratio | 11.9854% | 6,238 |
| Memoranda: | ||
| Average total assets | $64,905,800 | 5,623 |
| Average earning assets | $58,899,600 | 5,626 |
| Average equity | $7,771,200 | 5,401 |
| Average total loans | $54,732,800 | 4,788 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 476 |
| Cost of funding earning assets | 0.6875% | 2,035 |
| Net interest margin | 4.6740% | 539 |
| Noninterest income to average assets | 0.3826% | 4,656 |
| Noninterest expense to average assets | 2.4899% | 4,754 |
| Loan and lease loss provision to assets | 0.1003% | 3,087 |
| Net operating income to assets | 2.0278% | 345 |
| Return on assets (ROA) | 2.0278% | 358 |
| Pretax return on assets | 2.0278% | 549 |
| Return on Equity (ROE) | 16.7939% | 558 |
| Retained earnings to average equity (ytd only) | 9.8686% | 819 |
| Net charge-offs to loans | -0.0621% | 6,375 |
| Credit loss provision to net charge-offs | -192.0000% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9158% | 6,105 |
| Assets per employee ($millions) | 4.0108% | 3,813 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 5,851 |
| Loan loss allowance to noncurrent loans | 40.7100% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 2.0632% | 1,949 |
| Noncurrent loans to loans | 2.3793% | 1,848 |
| Net loans and leases to total assets | 85.8741% | 155 |
| Net loans and leases to deposits | 101.3723% | 413 |
| Net loans and leases to core deposits | 114.2443% | 443 |
| Total domestic deposits to total assets | 84.7116% | 3,875 |
| Equity capital to assets | 12.4273% | 1,623 |
| Core capital (leverage) ratio | 10.8431% | 2,628 |
| Tier 1 risk-based capital ratio | 11.6976% | 5,946 |
| Total risk-based capital ratio | 12.6345% | 6,077 |
| Memoranda: | ||
| Average total assets | $63,777,000 | 5,715 |
| Average earning assets | $57,793,500 | 5,721 |
| Average equity | $7,701,000 | 5,470 |
| Average total loans | $53,674,500 | 4,863 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3324% | 494 |
| Cost of funding earning assets | 0.7140% | 1,970 |
| Net interest margin | 4.6184% | 582 |
| Noninterest income to average assets | 0.4651% | 4,060 |
| Noninterest expense to average assets | 2.4574% | 4,874 |
| Loan and lease loss provision to assets | 0.1037% | 3,066 |
| Net operating income to assets | 2.0709% | 317 |
| Return on assets (ROA) | 2.0709% | 332 |
| Pretax return on assets | 2.0709% | 526 |
| Return on Equity (ROE) | 17.3201% | 525 |
| Retained earnings to average equity (ytd only) | 6.8071% | 1,978 |
| Net charge-offs to loans | -0.1056% | 6,515 |
| Credit loss provision to net charge-offs | -117.8571% | 5,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0529% | 6,217 |
| Assets per employee ($millions) | 3.7609% | 4,282 |
| Cash dividends to net income (ytd only)* | 60.6980% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 5,855 |
| Loan loss allowance to noncurrent loans | 39.8036% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 2.6182% | 1,600 |
| Noncurrent loans to loans | 2.4927% | 1,863 |
| Net loans and leases to total assets | 82.2510% | 340 |
| Net loans and leases to deposits | 97.9128% | 547 |
| Net loans and leases to core deposits | 108.8035% | 613 |
| Total domestic deposits to total assets | 84.0043% | 4,314 |
| Equity capital to assets | 11.9870% | 1,922 |
| Core capital (leverage) ratio | 10.5364% | 2,836 |
| Tier 1 risk-based capital ratio | 11.5318% | 6,093 |
| Total risk-based capital ratio | 12.4802% | 6,199 |
| Memoranda: | ||
| Average total assets | $63,645,000 | 5,756 |
| Average earning assets | $57,422,330 | 5,763 |
| Average equity | $7,609,670 | 5,535 |
| Average total loans | $53,017,000 | 4,911 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3698% | 451 |
| Cost of funding earning assets | 0.7291% | 1,999 |
| Net interest margin | 4.6408% | 528 |
| Noninterest income to average assets | 0.4598% | 4,052 |
| Noninterest expense to average assets | 2.3181% | 5,374 |
| Loan and lease loss provision to assets | 0.0756% | 3,365 |
| Net operating income to assets | 2.2362% | 229 |
| Return on assets (ROA) | 2.2362% | 255 |
| Pretax return on assets | 2.2362% | 387 |
| Return on Equity (ROE) | 18.7273% | 381 |
| Retained earnings to average equity (ytd only) | 18.7273% | 178 |
| Net charge-offs to loans | -0.2039% | 6,682 |
| Credit loss provision to net charge-offs | -44.4444% | 5,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0680% | 6,493 |
| Assets per employee ($millions) | 3.7756% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 6,155 |
| Loan loss allowance to noncurrent loans | 38.1420% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 2.6080% | 1,749 |
| Noncurrent loans to loans | 2.4719% | 2,088 |
| Net loans and leases to total assets | 82.6629% | 258 |
| Net loans and leases to deposits | 98.5073% | 419 |
| Net loans and leases to core deposits | 107.2616% | 590 |
| Total domestic deposits to total assets | 83.9155% | 4,514 |
| Equity capital to assets | 12.0899% | 1,982 |
| Core capital (leverage) ratio | 10.2798% | 3,041 |
| Tier 1 risk-based capital ratio | 11.4411% | 6,217 |
| Total risk-based capital ratio | 12.3310% | 6,344 |
| Memoranda: | ||
| Average total assets | $63,499,500 | 5,820 |
| Average earning assets | $57,059,500 | 5,820 |
| Average equity | $7,582,500 | 5,610 |
| Average total loans | $52,968,000 | 4,949 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6818% | 443 |
| Cost of funding earning assets | 0.8434% | 2,340 |
| Net interest margin | 4.8383% | 508 |
| Noninterest income to average assets | 0.1286% | 6,397 |
| Noninterest expense to average assets | 3.0662% | 3,024 |
| Loan and lease loss provision to assets | 0.2081% | 3,062 |
| Net operating income to assets | 1.1253% | 1,856 |
| Return on assets (ROA) | 1.2691% | 1,550 |
| Pretax return on assets | 1.2691% | 2,528 |
| Return on Equity (ROE) | 10.4728% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.7746% | 639 |
| Net charge-offs to loans | -0.0063% | 6,407 |
| Credit loss provision to net charge-offs | -4,100.0000% | 6,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6923% | 3,870 |
| Assets per employee ($millions) | 3.6949% | 4,575 |
| Cash dividends to net income (ytd only)* | 6.6667% | 4,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 6,283 |
| Loan loss allowance to noncurrent loans | 33.6941% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 2.7638% | 1,740 |
| Noncurrent loans to loans | 2.6464% | 2,001 |
| Net loans and leases to total assets | 82.6358% | 286 |
| Net loans and leases to deposits | 98.2547% | 494 |
| Net loans and leases to core deposits | 106.0692% | 690 |
| Total domestic deposits to total assets | 84.1036% | 4,270 |
| Equity capital to assets | 11.7890% | 2,195 |
| Core capital (leverage) ratio | 10.2351% | 3,090 |
| Tier 1 risk-based capital ratio | 10.9542% | 6,367 |
| Total risk-based capital ratio | 11.7892% | 6,508 |
| Memoranda: | ||
| Average total assets | $59,096,200 | 5,944 |
| Average earning assets | $52,166,800 | 5,976 |
| Average equity | $7,161,400 | 5,713 |
| Average total loans | $47,839,400 | 5,185 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6812% | 475 |
| Cost of funding earning assets | 0.8766% | 2,342 |
| Net interest margin | 4.8046% | 558 |
| Noninterest income to average assets | 0.2544% | 5,746 |
| Noninterest expense to average assets | 2.7735% | 4,078 |
| Loan and lease loss provision to assets | 0.2361% | 2,690 |
| Net operating income to assets | 1.4785% | 1,061 |
| Return on assets (ROA) | 1.6733% | 811 |
| Pretax return on assets | 1.6733% | 1,350 |
| Return on Equity (ROE) | 13.7076% | 1,171 |
| Retained earnings to average equity (ytd only) | 12.7687% | 412 |
| Net charge-offs to loans | -0.0057% | 6,284 |
| Credit loss provision to net charge-offs | -5,150.0000% | 6,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7978% | 5,186 |
| Assets per employee ($millions) | 3.1540% | 5,724 |
| Cash dividends to net income (ytd only)* | 6.8498% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 6,373 |
| Loan loss allowance to noncurrent loans | 32.1789% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 3.1973% | 1,607 |
| Noncurrent loans to loans | 2.8018% | 2,009 |
| Net loans and leases to total assets | 81.8059% | 358 |
| Net loans and leases to deposits | 98.4793% | 518 |
| Net loans and leases to core deposits | 106.8225% | 699 |
| Total domestic deposits to total assets | 83.0691% | 4,617 |
| Equity capital to assets | 12.3235% | 2,017 |
| Core capital (leverage) ratio | 10.4928% | 2,921 |
| Tier 1 risk-based capital ratio | 11.3821% | 6,308 |
| Total risk-based capital ratio | 12.2152% | 6,475 |
| Memoranda: | ||
| Average total assets | $58,167,000 | 6,036 |
| Average earning assets | $51,255,500 | 6,076 |
| Average equity | $7,100,500 | 5,798 |
| Average total loans | $46,706,000 | 5,284 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7706% | 424 |
| Cost of funding earning assets | 0.8805% | 2,558 |
| Net interest margin | 4.8901% | 483 |
| Noninterest income to average assets | 0.5071% | 3,882 |
| Noninterest expense to average assets | 2.7579% | 4,188 |
| Loan and lease loss provision to assets | 0.2570% | 2,519 |
| Net operating income to assets | 1.7749% | 591 |
| Return on assets (ROA) | 1.7749% | 662 |
| Pretax return on assets | 1.7749% | 1,087 |
| Return on Equity (ROE) | 14.5882% | 1,001 |
| Retained earnings to average equity (ytd only) | 13.1608% | 423 |
| Net charge-offs to loans | -0.0087% | 6,257 |
| Credit loss provision to net charge-offs | -3,700.0000% | 6,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5780% | 5,925 |
| Assets per employee ($millions) | 2.8816% | 6,264 |
| Cash dividends to net income (ytd only)* | 9.7847% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8897% | 6,488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 4,187 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 80.4102% | 462 |
| Net loans and leases to deposits | 97.1734% | 565 |
| Net loans and leases to core deposits | 105.5747% | 765 |
| Total domestic deposits to total assets | 82.7492% | 4,851 |
| Equity capital to assets | 12.5451% | 1,787 |
| Core capital (leverage) ratio | 10.2004% | 3,144 |
| Tier 1 risk-based capital ratio | 11.2793% | 6,349 |
| Total risk-based capital ratio | 12.0796% | 6,549 |
| Memoranda: | ||
| Average total assets | $57,580,670 | 6,088 |
| Average earning assets | $50,428,330 | 6,142 |
| Average equity | $7,005,670 | 5,847 |
| Average total loans | $45,785,000 | 5,351 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8291% | 406 |
| Cost of funding earning assets | 0.8986% | 2,705 |
| Net interest margin | 4.9305% | 450 |
| Noninterest income to average assets | 0.4517% | 4,282 |
| Noninterest expense to average assets | 2.6479% | 4,630 |
| Loan and lease loss provision to assets | 0.2641% | 2,348 |
| Net operating income to assets | 1.8487% | 541 |
| Return on assets (ROA) | 1.8487% | 614 |
| Pretax return on assets | 1.8487% | 979 |
| Return on Equity (ROE) | 15.4348% | 901 |
| Retained earnings to average equity (ytd only) | 15.4348% | 409 |
| Net charge-offs to loans | -0.0088% | 5,910 |
| Credit loss provision to net charge-offs | -3,800.0000% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6204% | 6,166 |
| Assets per employee ($millions) | 3.0913% | 5,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 6,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0743% | 4,341 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 74.7016% | 958 |
| Net loans and leases to deposits | 89.5684% | 1,000 |
| Net loans and leases to core deposits | 97.0751% | 1,194 |
| Total domestic deposits to total assets | 83.4017% | 4,758 |
| Equity capital to assets | 11.9605% | 2,073 |
| Core capital (leverage) ratio | 9.9371% | 3,446 |
| Tier 1 risk-based capital ratio | 11.3960% | 6,338 |
| Total risk-based capital ratio | 12.1594% | 6,564 |
| Memoranda: | ||
| Average total assets | $57,555,000 | 6,125 |
| Average earning assets | $50,299,500 | 6,181 |
| Average equity | $6,893,500 | 5,904 |
| Average total loans | $45,298,500 | 5,400 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 557 |
| Cost of funding earning assets | 1.1319% | 2,456 |
| Net interest margin | 4.7377% | 698 |
| Noninterest income to average assets | 0.2770% | 5,551 |
| Noninterest expense to average assets | 2.9470% | 3,784 |
| Loan and lease loss provision to assets | 0.3313% | 3,037 |
| Net operating income to assets | 1.1658% | 1,623 |
| Return on assets (ROA) | 1.1658% | 1,727 |
| Pretax return on assets | 1.1658% | 2,591 |
| Return on Equity (ROE) | 9.4642% | 2,261 |
| Retained earnings to average equity (ytd only) | 1.4402% | 5,177 |
| Net charge-offs to loans | 0.1416% | 5,011 |
| Credit loss provision to net charge-offs | 305.0000% | 764 |
| Earnings coverage of net charge-offs (x) | 13.7833% | 1,516 |
| Efficiency ratio | 64.1955% | 5,092 |
| Assets per employee ($millions) | 2.9671% | 6,164 |
| Cash dividends to net income (ytd only)* | 84.7826% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 6,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 4,369 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 81.5982% | 365 |
| Net loans and leases to deposits | 98.1459% | 552 |
| Net loans and leases to core deposits | 107.2734% | 743 |
| Total domestic deposits to total assets | 83.1397% | 4,690 |
| Equity capital to assets | 11.9947% | 2,133 |
| Core capital (leverage) ratio | 9.8284% | 3,549 |
| Tier 1 risk-based capital ratio | 10.5868% | 6,649 |
| Total risk-based capital ratio | 11.2581% | 6,846 |
| Memoranda: | ||
| Average total assets | $55,242,000 | 6,192 |
| Average earning assets | $48,588,800 | 6,238 |
| Average equity | $6,804,600 | 5,919 |
| Average total loans | $42,371,800 | 5,591 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8452% | 637 |
| Cost of funding earning assets | 1.1910% | 2,376 |
| Net interest margin | 4.6542% | 840 |
| Noninterest income to average assets | 0.2596% | 5,762 |
| Noninterest expense to average assets | 2.6080% | 5,051 |
| Loan and lease loss provision to assets | 0.2377% | 3,628 |
| Net operating income to assets | 1.5284% | 882 |
| Return on assets (ROA) | 1.5284% | 960 |
| Pretax return on assets | 1.5284% | 1,582 |
| Return on Equity (ROE) | 12.3250% | 1,458 |
| Retained earnings to average equity (ytd only) | 1.6434% | 5,317 |
| Net charge-offs to loans | 0.0161% | 5,927 |
| Credit loss provision to net charge-offs | 1,960.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 145.5232% | 262 |
| Efficiency ratio | 57.4598% | 6,087 |
| Assets per employee ($millions) | 3.3209% | 5,441 |
| Cash dividends to net income (ytd only)* | 86.6663% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 6,890 |
| Loan loss allowance to noncurrent loans | 563.6364% | 597 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 4,365 |
| Noncurrent loans to loans | 0.1336% | 6,603 |
| Net loans and leases to total assets | 72.3851% | 1,631 |
| Net loans and leases to deposits | 87.3090% | 1,520 |
| Net loans and leases to core deposits | 92.3753% | 1,954 |
| Total domestic deposits to total assets | 82.9067% | 4,720 |
| Equity capital to assets | 11.9068% | 2,324 |
| Core capital (leverage) ratio | 9.6457% | 3,924 |
| Tier 1 risk-based capital ratio | 11.4401% | 6,279 |
| Total risk-based capital ratio | 12.1044% | 6,610 |
| Memoranda: | ||
| Average total assets | $54,958,750 | 6,246 |
| Average earning assets | $48,585,500 | 6,294 |
| Average equity | $6,815,250 | 5,962 |
| Average total loans | $41,379,250 | 5,671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9814% | 495 |
| Cost of funding earning assets | 1.2378% | 2,336 |
| Net interest margin | 4.7436% | 666 |
| Noninterest income to average assets | 0.2240% | 6,070 |
| Noninterest expense to average assets | 2.5450% | 5,375 |
| Loan and lease loss provision to assets | 0.2497% | 3,410 |
| Net operating income to assets | 1.6232% | 702 |
| Return on assets (ROA) | 1.6232% | 742 |
| Pretax return on assets | 1.6232% | 1,212 |
| Return on Equity (ROE) | 12.9120% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.9120% | 398 |
| Net charge-offs to loans | 0.0241% | 5,492 |
| Credit loss provision to net charge-offs | 1,360.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 360 |
| Efficiency ratio | 55.4447% | 6,471 |
| Assets per employee ($millions) | 3.2954% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 7,021 |
| Loan loss allowance to noncurrent loans | 71.0660% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.8297% | 3,469 |
| Noncurrent loans to loans | 0.9854% | 5,015 |
| Net loans and leases to total assets | 70.8699% | 2,037 |
| Net loans and leases to deposits | 87.1040% | 1,635 |
| Net loans and leases to core deposits | 96.2076% | 1,662 |
| Total domestic deposits to total assets | 81.3623% | 5,399 |
| Equity capital to assets | 12.5988% | 1,733 |
| Core capital (leverage) ratio | 10.4381% | 2,775 |
| Tier 1 risk-based capital ratio | 12.2858% | 5,528 |
| Total risk-based capital ratio | 12.8909% | 6,055 |
| Memoranda: | ||
| Average total assets | $54,460,000 | 6,315 |
| Average earning assets | $48,149,000 | 6,364 |
| Average equity | $6,846,330 | 5,963 |
| Average total loans | $41,447,330 | 5,737 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1241% | 383 |
| Cost of funding earning assets | 1.2449% | 2,536 |
| Net interest margin | 4.8792% | 487 |
| Noninterest income to average assets | 0.2235% | 6,129 |
| Noninterest expense to average assets | 2.4814% | 5,620 |
| Loan and lease loss provision to assets | 0.2235% | 3,423 |
| Net operating income to assets | 1.8704% | 427 |
| Return on assets (ROA) | 1.8704% | 449 |
| Pretax return on assets | 1.8704% | 714 |
| Return on Equity (ROE) | 14.8950% | 836 |
| Retained earnings to average equity (ytd only) | 14.8950% | 400 |
| Net charge-offs to loans | -0.0284% | 6,692 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2345% | 6,673 |
| Assets per employee ($millions) | 3.3764% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 7,203 |
| Loan loss allowance to noncurrent loans | 531.9149% | 611 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 4,438 |
| Noncurrent loans to loans | 0.1128% | 6,765 |
| Net loans and leases to total assets | 76.6655% | 932 |
| Net loans and leases to deposits | 94.6674% | 768 |
| Net loans and leases to core deposits | 101.3062% | 1,251 |
| Total domestic deposits to total assets | 80.9840% | 5,660 |
| Equity capital to assets | 12.7076% | 1,517 |
| Core capital (leverage) ratio | 10.5113% | 2,600 |
| Tier 1 risk-based capital ratio | 12.0416% | 5,647 |
| Total risk-based capital ratio | 12.5896% | 6,206 |
| Memoranda: | ||
| Average total assets | $53,679,500 | 6,384 |
| Average earning assets | $47,876,500 | 6,417 |
| Average equity | $6,740,500 | 6,009 |
| Average total loans | $42,180,000 | 5,743 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3879% | 391 |
| Cost of funding earning assets | 1.7070% | 1,567 |
| Net interest margin | 4.6809% | 851 |
| Noninterest income to average assets | 0.2383% | 6,090 |
| Noninterest expense to average assets | 3.0606% | 3,627 |
| Loan and lease loss provision to assets | 0.2501% | 4,792 |
| Net operating income to assets | 1.0537% | 1,862 |
| Return on assets (ROA) | 1.0537% | 1,959 |
| Pretax return on assets | 1.0537% | 2,757 |
| Return on Equity (ROE) | 9.2305% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.2305% | 655 |
| Net charge-offs to loans | 0.0732% | 6,065 |
| Credit loss provision to net charge-offs | 423.3333% | 557 |
| Earnings coverage of net charge-offs (x) | 22.0667% | 939 |
| Efficiency ratio | 67.5542% | 4,659 |
| Assets per employee ($millions) | 3.1374% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5106% | 7,348 |
| Loan loss allowance to noncurrent loans | 346.0317% | 899 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 4,434 |
| Noncurrent loans to loans | 0.1476% | 6,777 |
| Net loans and leases to total assets | 79.6366% | 709 |
| Net loans and leases to deposits | 98.1809% | 702 |
| Net loans and leases to core deposits | 105.6513% | 1,213 |
| Total domestic deposits to total assets | 81.1122% | 5,492 |
| Equity capital to assets | 12.4044% | 1,693 |
| Core capital (leverage) ratio | 10.0386% | 3,045 |
| Tier 1 risk-based capital ratio | 11.3408% | 6,044 |
| Total risk-based capital ratio | 11.8136% | 6,634 |
| Memoranda: | ||
| Average total assets | $50,774,000 | 6,502 |
| Average earning assets | $44,756,600 | 6,551 |
| Average equity | $5,796,000 | 6,434 |
| Average total loans | $40,991,400 | 5,885 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4561% | 371 |
| Cost of funding earning assets | 1.7682% | 1,555 |
| Net interest margin | 4.6879% | 868 |
| Noninterest income to average assets | 0.2394% | 6,175 |
| Noninterest expense to average assets | 2.7818% | 4,561 |
| Loan and lease loss provision to assets | 0.1995% | 5,057 |
| Net operating income to assets | 1.3829% | 1,141 |
| Return on assets (ROA) | 1.3829% | 1,221 |
| Pretax return on assets | 1.3829% | 1,933 |
| Return on Equity (ROE) | 12.4006% | 1,405 |
| Retained earnings to average equity (ytd only) | 12.4006% | 416 |
| Net charge-offs to loans | -0.0197% | 7,353 |
| Credit loss provision to net charge-offs | -1,250.0000% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1822% | 5,761 |
| Assets per employee ($millions) | 3.1545% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4807% | 7,475 |
| Loan loss allowance to noncurrent loans | 27.7241% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 1.3519% | 4,461 |
| Noncurrent loans to loans | 1.7340% | 4,046 |
| Net loans and leases to total assets | 77.5934% | 1,108 |
| Net loans and leases to deposits | 94.3496% | 1,164 |
| Net loans and leases to core deposits | 101.3716% | 1,712 |
| Total domestic deposits to total assets | 82.2403% | 4,896 |
| Equity capital to assets | 10.9292% | 3,026 |
| Core capital (leverage) ratio | 8.6649% | 5,253 |
| Tier 1 risk-based capital ratio | 9.9508% | 7,090 |
| Total risk-based capital ratio | 10.4002% | 7,349 |
| Memoranda: | ||
| Average total assets | $50,133,500 | 6,601 |
| Average earning assets | $44,112,250 | 6,654 |
| Average equity | $5,591,000 | 6,571 |
| Average total loans | $40,566,000 | 5,981 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3925% | 419 |
| Cost of funding earning assets | 1.7447% | 1,897 |
| Net interest margin | 4.6478% | 897 |
| Noninterest income to average assets | 0.2532% | 6,101 |
| Noninterest expense to average assets | 2.8467% | 4,276 |
| Loan and lease loss provision to assets | 0.1225% | 5,673 |
| Net operating income to assets | 1.4295% | 1,037 |
| Return on assets (ROA) | 1.4295% | 1,110 |
| Pretax return on assets | 1.4295% | 1,752 |
| Return on Equity (ROE) | 12.7250% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.7250% | 411 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1170% | 5,670 |
| Assets per employee ($millions) | 3.0378% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3585% | 7,625 |
| Loan loss allowance to noncurrent loans | 20.3252% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 1.4290% | 4,331 |
| Noncurrent loans to loans | 1.7638% | 4,042 |
| Net loans and leases to total assets | 80.7292% | 700 |
| Net loans and leases to deposits | 98.5766% | 824 |
| Net loans and leases to core deposits | 105.0389% | 1,530 |
| Total domestic deposits to total assets | 81.8949% | 5,032 |
| Equity capital to assets | 10.9792% | 2,887 |
| Core capital (leverage) ratio | 8.8535% | 4,831 |
| Tier 1 risk-based capital ratio | 9.5579% | 7,238 |
| Total risk-based capital ratio | 9.8940% | 7,481 |
| Memoranda: | ||
| Average total assets | $48,969,000 | 6,697 |
| Average earning assets | $43,676,330 | 6,714 |
| Average equity | $5,501,000 | 6,614 |
| Average total loans | $40,150,670 | 6,045 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5926% | 313 |
| Cost of funding earning assets | 1.6788% | 2,487 |
| Net interest margin | 4.9138% | 500 |
| Noninterest income to average assets | 0.2603% | 6,064 |
| Noninterest expense to average assets | 2.9392% | 3,911 |
| Loan and lease loss provision to assets | 0.1260% | 5,316 |
| Net operating income to assets | 1.5704% | 794 |
| Return on assets (ROA) | 1.5704% | 848 |
| Pretax return on assets | 1.5704% | 1,341 |
| Return on Equity (ROE) | 13.8097% | 1,087 |
| Retained earnings to average equity (ytd only) | 13.8097% | 528 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 6,023 |
| Assets per employee ($millions) | 2.8878% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3345% | 7,734 |
| Loan loss allowance to noncurrent loans | 17.8336% | 7,118 |
| Noncurrent assets plus other real estate owned to assets | 1.5420% | 4,190 |
| Noncurrent loans to loans | 1.8754% | 3,961 |
| Net loans and leases to total assets | 81.9461% | 603 |
| Net loans and leases to deposits | 100.8145% | 709 |
| Net loans and leases to core deposits | 105.8352% | 1,589 |
| Total domestic deposits to total assets | 81.2841% | 5,353 |
| Equity capital to assets | 11.2157% | 2,573 |
| Core capital (leverage) ratio | 8.9149% | 4,710 |
| Tier 1 risk-based capital ratio | 9.4974% | 7,306 |
| Total risk-based capital ratio | 9.8109% | 7,571 |
| Memoranda: | ||
| Average total assets | $47,632,000 | 6,819 |
| Average earning assets | $42,411,500 | 6,841 |
| Average equity | $5,416,500 | 6,705 |
| Average total loans | $39,305,500 | 6,156 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2503% | 7,919 |
| Cost of funding earning assets | 0.5619% | 7,792 |
| Net interest margin | 1.6884% | 7,835 |
| Noninterest income to average assets | 0.2290% | 6,473 |
| Noninterest expense to average assets | 1.7955% | 7,613 |
| Loan and lease loss provision to assets | 0.1928% | 5,799 |
| Net operating income to assets | -0.2675% | 5,920 |
| Return on assets (ROA) | -0.3133% | 5,985 |
| Pretax return on assets | -0.3133% | 5,847 |
| Return on Equity (ROE) | -3.3381% | 6,034 |
| Retained earnings to average equity (ytd only) | -3.3381% | 5,760 |
| Net charge-offs to loans | 0.2412% | 5,116 |
| Credit loss provision to net charge-offs | 98.7654% | 5,639 |
| Earnings coverage of net charge-offs (x) | -0.3827% | 6,614 |
| Efficiency ratio | 101.6807% | 1,023 |
| Assets per employee ($millions) | 2.4301% | 7,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3138% | 7,822 |
| Loan loss allowance to noncurrent loans | 15.4639% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 1.6807% | 3,844 |
| Noncurrent loans to loans | 2.0289% | 3,610 |
| Net loans and leases to total assets | 82.5760% | 600 |
| Net loans and leases to deposits | 101.2562% | 804 |
| Net loans and leases to core deposits | 147.7504% | 563 |
| Total domestic deposits to total assets | 81.5516% | 5,133 |
| Equity capital to assets | 11.5373% | 2,292 |
| Core capital (leverage) ratio | 9.4223% | 3,809 |
| Tier 1 risk-based capital ratio | 9.7654% | 7,049 |
| Total risk-based capital ratio | 10.0668% | 7,558 |
| Memoranda: | ||
| Average total assets | $41,492,600 | 7,035 |
| Average earning assets | $36,661,400 | 7,069 |
| Average equity | $3,894,400 | 7,332 |
| Average total loans | $33,579,400 | 6,425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6811% | 8,072 |
| Cost of funding earning assets | 0.1684% | 8,040 |
| Net interest margin | 0.5127% | 8,054 |
| Noninterest income to average assets | 0.0331% | 7,719 |
| Noninterest expense to average assets | 0.5919% | 8,067 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1058% | 5,900 |
| Return on assets (ROA) | -0.1058% | 5,931 |
| Pretax return on assets | -0.1058% | 5,851 |
| Return on Equity (ROE) | -1.2066% | 5,967 |
| Retained earnings to average equity (ytd only) | -1.2066% | 5,538 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7687% | 565 |
| Assets per employee ($millions) | 2.3619% | 7,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3552% | 7,861 |
| Loan loss allowance to noncurrent loans | 101.6807% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2799% | 6,804 |
| Noncurrent loans to loans | 0.3494% | 6,658 |
| Net loans and leases to total assets | 79.8349% | 1,203 |
| Net loans and leases to deposits | 93.5400% | 1,957 |
| Net loans and leases to core deposits | 128.6131% | 1,531 |
| Total domestic deposits to total assets | 85.3484% | 3,051 |
| Equity capital to assets | 12.3065% | 2,061 |
| Core capital (leverage) ratio | 9.7637% | 3,555 |
| Tier 1 risk-based capital ratio | 10.6387% | 6,307 |
| Total risk-based capital ratio | 10.9796% | 7,172 |
| Memoranda: | ||
| Average total assets | $40,322,750 | 7,131 |
| Average earning assets | $35,626,500 | 7,182 |
| Average equity | $3,536,250 | 7,497 |
| Average total loans | $32,412,500 | 6,543 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6555% | 592 |
| Cost of funding earning assets | 2.0659% | 3,447 |
| Net interest margin | 4.5896% | 980 |
| Noninterest income to average assets | 2.4954% | 265 |
| Noninterest expense to average assets | 3.9806% | 1,345 |
| Loan and lease loss provision to assets | 0.6769% | 2,402 |
| Net operating income to assets | 1.8893% | 382 |
| Return on assets (ROA) | 1.8893% | 412 |
| Pretax return on assets | 1.8893% | 712 |
| Return on Equity (ROE) | 25.1767% | 133 |
| Retained earnings to average equity (ytd only) | 25.1767% | 44 |
| Net charge-offs to loans | 0.2134% | 4,177 |
| Credit loss provision to net charge-offs | 394.1176% | 1,182 |
| Earnings coverage of net charge-offs (x) | 14.9412% | 1,623 |
| Efficiency ratio | 60.8025% | 6,427 |
| Assets per employee ($millions) | 2.0386% | 7,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,571 |
| Loan loss allowance to noncurrent loans | 30.9127% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 2.6308% | 2,439 |
| Noncurrent loans to loans | 3.0625% | 2,340 |
| Net loans and leases to total assets | 85.0906% | 493 |
| Net loans and leases to deposits | 96.7107% | 1,697 |
| Net loans and leases to core deposits | 132.4719% | 1,405 |
| Total domestic deposits to total assets | 87.9847% | 1,785 |
| Equity capital to assets | 8.3673% | 6,244 |
| Core capital (leverage) ratio | 8.3817% | 5,656 |
| Tier 1 risk-based capital ratio | 9.5327% | 7,361 |
| Total risk-based capital ratio | 10.4527% | 7,590 |
| Memoranda: | ||
| Average total assets | $39,592,330 | 7,226 |
| Average earning assets | $34,948,670 | 7,269 |
| Average equity | $2,971,000 | 7,737 |
| Average total loans | $31,862,670 | 6,619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7924% | 488 |
| Cost of funding earning assets | 2.2755% | 2,813 |
| Net interest margin | 4.5169% | 1,092 |
| Noninterest income to average assets | 0.4598% | 4,683 |
| Noninterest expense to average assets | 4.2077% | 933 |
| Loan and lease loss provision to assets | 0.9995% | 1,305 |
| Net operating income to assets | -0.7796% | 7,112 |
| Return on assets (ROA) | -0.7896% | 7,156 |
| Pretax return on assets | -0.7896% | 7,030 |
| Return on Equity (ROE) | -11.1425% | 7,433 |
| Retained earnings to average equity (ytd only) | -11.1425% | 7,217 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0339% | 1,380 |
| Assets per employee ($millions) | 1.8725% | 7,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 5,961 |
| Loan loss allowance to noncurrent loans | 33.5463% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 3.1916% | 1,742 |
| Noncurrent loans to loans | 3.0641% | 2,122 |
| Net loans and leases to total assets | 77.1324% | 2,014 |
| Net loans and leases to deposits | 85.4727% | 3,720 |
| Net loans and leases to core deposits | 113.5020% | 3,055 |
| Total domestic deposits to total assets | 90.2421% | 700 |
| Equity capital to assets | 7.1410% | 7,604 |
| Core capital (leverage) ratio | 7.0947% | 7,565 |
| Tier 1 risk-based capital ratio | 8.5615% | 7,933 |
| Total risk-based capital ratio | 9.5209% | 8,015 |
| Memoranda: | ||
| Average total assets | $40,021,500 | 7,249 |
| Average earning assets | $35,157,000 | 7,298 |
| Average equity | $2,836,000 | 7,828 |
| Average total loans | $31,157,000 | 6,692 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0120% | 1,107 |
| Cost of funding earning assets | 3.2164% | 1,139 |
| Net interest margin | 3.7956% | 4,044 |
| Noninterest income to average assets | 0.4219% | 5,285 |
| Noninterest expense to average assets | 4.1000% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.3254% | 6,755 |
| Return on assets (ROA) | -0.3299% | 6,630 |
| Pretax return on assets | -0.3299% | 6,488 |
| Return on Equity (ROE) | -5.1837% | 6,884 |
| Retained earnings to average equity (ytd only) | -5.1837% | 6,539 |
| Net charge-offs to loans | 0.0685% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -6.3043% | 6,858 |
| Efficiency ratio | 108.6207% | 742 |
| Assets per employee ($millions) | 1.8510% | 8,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6789% | 7,482 |
| Loan loss allowance to noncurrent loans | 24.3764% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 3.2563% | 1,397 |
| Noncurrent loans to loans | 2.7851% | 1,954 |
| Net loans and leases to total assets | 77.2427% | 2,318 |
| Net loans and leases to deposits | 91.8902% | 3,160 |
| Net loans and leases to core deposits | 124.5062% | 2,284 |
| Total domestic deposits to total assets | 84.0598% | 3,298 |
| Equity capital to assets | 7.0332% | 7,719 |
| Core capital (leverage) ratio | 7.0943% | 7,619 |
| Tier 1 risk-based capital ratio | 8.5574% | 7,977 |
| Total risk-based capital ratio | 9.1940% | 8,122 |
| Memoranda: | ||
| Average total assets | $44,561,400 | 7,004 |
| Average earning assets | $39,361,200 | 7,065 |
| Average equity | $2,835,800 | 7,885 |
| Average total loans | $33,566,200 | 6,508 |