Home > Bank of Gleason > Performance and Condition Ratios
Bank of Gleason, 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 | 4.9334% | 2,212 |
| Cost of funding earning assets | 1.6022% | 1,687 |
| Net interest margin | 3.3312% | 2,556 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.4521% | 2,435 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.5982% | 3,448 |
| Return on assets (ROA) | 0.5989% | 3,433 |
| Pretax return on assets | 0.6930% | 3,453 |
| Return on Equity (ROE) | 3.5500% | 3,948 |
| Retained earnings to average equity (ytd only) | 0.8691% | 3,859 |
| Net charge-offs to loans | 0.1344% | 742 |
| Credit loss provision to net charge-offs | 139.5349% | 1,530 |
| Earnings coverage of net charge-offs (x) | 11.4884% | 2,189 |
| Efficiency ratio | 75.6830% | 1,277 |
| Assets per employee ($millions) | 5.5643% | 3,191 |
| Cash dividends to net income (ytd only)* | 75.4993% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,592 |
| Loan loss allowance to noncurrent loans | 106.2411% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 1,017 |
| Noncurrent loans to loans | 1.0755% | 679 |
| Net loans and leases to total assets | 50.6300% | 3,556 |
| Net loans and leases to deposits | 61.6096% | 3,432 |
| Net loans and leases to core deposits | 68.4385% | 3,377 |
| Total domestic deposits to total assets | 82.1900% | 3,093 |
| Equity capital to assets | 17.2513% | 374 |
| Core capital (leverage) ratio | 23.7522% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4019% | 176 |
| Memoranda: | ||
| Average total assets | $125,403,200 | 3,595 |
| Average earning assets | $116,593,200 | 3,579 |
| Average equity | $21,172,400 | 2,762 |
| Average total loans | $63,983,800 | 3,650 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8700% | 2,125 |
| Cost of funding earning assets | 1.4866% | 1,648 |
| Net interest margin | 3.3833% | 2,490 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.1972% | 3,084 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.8776% | 2,766 |
| Return on assets (ROA) | 0.8785% | 2,746 |
| Pretax return on assets | 1.0174% | 2,805 |
| Return on Equity (ROE) | 5.2300% | 3,773 |
| Retained earnings to average equity (ytd only) | 1.6232% | 3,812 |
| Net charge-offs to loans | 0.1321% | 612 |
| Credit loss provision to net charge-offs | 142.8571% | 1,351 |
| Earnings coverage of net charge-offs (x) | 16.5238% | 1,928 |
| Efficiency ratio | 66.3868% | 2,232 |
| Assets per employee ($millions) | 5.3000% | 3,350 |
| Cash dividends to net income (ytd only)* | 68.9781% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 2,647 |
| Loan loss allowance to noncurrent loans | 104.8023% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 1,003 |
| Noncurrent loans to loans | 1.0928% | 721 |
| Net loans and leases to total assets | 52.5400% | 3,458 |
| Net loans and leases to deposits | 62.9836% | 3,331 |
| Net loans and leases to core deposits | 68.1304% | 3,314 |
| Total domestic deposits to total assets | 83.4200% | 2,922 |
| Equity capital to assets | 16.2241% | 431 |
| Core capital (leverage) ratio | 23.4011% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0833% | 162 |
| Memoranda: | ||
| Average total assets | $124,759,250 | 3,618 |
| Average earning assets | $116,411,250 | 3,592 |
| Average equity | $20,946,000 | 2,767 |
| Average total loans | $63,592,250 | 3,662 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 2,115 |
| Cost of funding earning assets | 1.3524% | 1,575 |
| Net interest margin | 3.3955% | 2,532 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.1668% | 3,176 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9227% | 2,680 |
| Return on assets (ROA) | 0.9227% | 2,664 |
| Pretax return on assets | 1.0675% | 2,728 |
| Return on Equity (ROE) | 5.4400% | 3,815 |
| Retained earnings to average equity (ytd only) | 0.1219% | 4,048 |
| Net charge-offs to loans | 0.1646% | 477 |
| Credit loss provision to net charge-offs | 115.3846% | 1,347 |
| Earnings coverage of net charge-offs (x) | 14.0577% | 1,885 |
| Efficiency ratio | 65.0741% | 2,363 |
| Assets per employee ($millions) | 5.4446% | 3,196 |
| Cash dividends to net income (ytd only)* | 97.7586% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 2,840 |
| Loan loss allowance to noncurrent loans | 106.4801% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 1,004 |
| Noncurrent loans to loans | 1.0527% | 702 |
| Net loans and leases to total assets | 50.9300% | 3,494 |
| Net loans and leases to deposits | 61.5325% | 3,338 |
| Net loans and leases to core deposits | 66.6325% | 3,317 |
| Total domestic deposits to total assets | 82.7700% | 3,096 |
| Equity capital to assets | 16.9374% | 393 |
| Core capital (leverage) ratio | 22.9461% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.3261% | 163 |
| Memoranda: | ||
| Average total assets | $125,712,667 | 3,619 |
| Average earning assets | $117,566,000 | 3,595 |
| Average equity | $21,335,667 | 2,748 |
| Average total loans | $63,193,000 | 3,670 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,990 |
| Cost of funding earning assets | 1.1647% | 1,550 |
| Net interest margin | 3.4772% | 2,429 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.0134% | 3,599 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.1242% | 2,146 |
| Return on assets (ROA) | 1.1242% | 2,113 |
| Pretax return on assets | 1.2893% | 2,208 |
| Return on Equity (ROE) | 6.6200% | 3,611 |
| Retained earnings to average equity (ytd only) | -2.9909% | 4,243 |
| Net charge-offs to loans | 0.2303% | 325 |
| Credit loss provision to net charge-offs | 83.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 12.1111% | 1,619 |
| Efficiency ratio | 59.2523% | 3,053 |
| Assets per employee ($millions) | 5.5494% | 3,171 |
| Cash dividends to net income (ytd only)* | 145.1977% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,978 |
| Loan loss allowance to noncurrent loans | 475.8389% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 2,700 |
| Noncurrent loans to loans | 0.2343% | 2,331 |
| Net loans and leases to total assets | 49.2700% | 3,543 |
| Net loans and leases to deposits | 59.5652% | 3,357 |
| Net loans and leases to core deposits | 64.0765% | 3,341 |
| Total domestic deposits to total assets | 82.7200% | 3,350 |
| Equity capital to assets | 17.0507% | 339 |
| Core capital (leverage) ratio | 23.0677% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2796% | 171 |
| Memoranda: | ||
| Average total assets | $125,956,000 | 3,660 |
| Average earning assets | $117,796,500 | 3,633 |
| Average equity | $21,398,500 | 2,763 |
| Average total loans | $62,540,000 | 3,724 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 1,351 |
| Cost of funding earning assets | 0.4382% | 1,802 |
| Net interest margin | 3.7126% | 1,349 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.2067% | 3,011 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1199% | 2,086 |
| Return on assets (ROA) | 1.1179% | 2,031 |
| Pretax return on assets | 1.3821% | 1,817 |
| Return on Equity (ROE) | 6.2100% | 3,791 |
| Retained earnings to average equity (ytd only) | 3.9560% | 3,412 |
| Net charge-offs to loans | 0.1354% | 591 |
| Credit loss provision to net charge-offs | 148.1481% | 1,310 |
| Earnings coverage of net charge-offs (x) | 23.1605% | 1,824 |
| Efficiency ratio | 59.8717% | 3,078 |
| Assets per employee ($millions) | 5.4033% | 3,314 |
| Cash dividends to net income (ytd only)* | 36.2482% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 2,560 |
| Loan loss allowance to noncurrent loans | 293.0328% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,191 |
| Noncurrent loans to loans | 0.3968% | 1,727 |
| Net loans and leases to total assets | 48.9000% | 3,596 |
| Net loans and leases to deposits | 59.0086% | 3,396 |
| Net loans and leases to core deposits | 63.1679% | 3,320 |
| Total domestic deposits to total assets | 82.8700% | 3,444 |
| Equity capital to assets | 16.9254% | 337 |
| Core capital (leverage) ratio | 23.3076% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.3861% | 163 |
| Memoranda: | ||
| Average total assets | $126,839,600 | 3,664 |
| Average earning assets | $120,024,600 | 3,622 |
| Average equity | $22,851,200 | 2,713 |
| Average total loans | $59,811,000 | 3,732 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 1,235 |
| Cost of funding earning assets | 0.3191% | 1,968 |
| Net interest margin | 3.6987% | 1,139 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.1012% | 3,206 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2254% | 1,609 |
| Return on assets (ROA) | 1.2237% | 1,588 |
| Pretax return on assets | 1.4956% | 1,423 |
| Return on Equity (ROE) | 6.6900% | 3,654 |
| Retained earnings to average equity (ytd only) | 3.7530% | 3,529 |
| Net charge-offs to loans | 0.0449% | 1,040 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 76.1000% | 1,066 |
| Efficiency ratio | 56.8961% | 3,529 |
| Assets per employee ($millions) | 5.4872% | 3,234 |
| Cash dividends to net income (ytd only)* | 43.9316% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 2,572 |
| Loan loss allowance to noncurrent loans | 428.7356% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,640 |
| Noncurrent loans to loans | 0.2781% | 2,260 |
| Net loans and leases to total assets | 48.9900% | 3,532 |
| Net loans and leases to deposits | 58.2128% | 3,326 |
| Net loans and leases to core deposits | 62.0262% | 3,240 |
| Total domestic deposits to total assets | 84.1600% | 3,466 |
| Equity capital to assets | 15.7259% | 391 |
| Core capital (leverage) ratio | 22.3754% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4136% | 175 |
| Memoranda: | ||
| Average total assets | $127,480,750 | 3,683 |
| Average earning assets | $121,157,000 | 3,630 |
| Average equity | $23,305,500 | 2,720 |
| Average total loans | $59,392,500 | 3,758 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8425% | 1,218 |
| Cost of funding earning assets | 0.2691% | 2,039 |
| Net interest margin | 3.5734% | 1,121 |
| Noninterest income to average assets | 0.1923% | 4,038 |
| Noninterest expense to average assets | 2.0687% | 3,238 |
| Loan and lease loss provision to assets | 0.0938% | 1,060 |
| Net operating income to assets | 1.2022% | 1,420 |
| Return on assets (ROA) | 1.2009% | 1,410 |
| Pretax return on assets | 1.4339% | 1,346 |
| Return on Equity (ROE) | 6.2801% | 3,508 |
| Retained earnings to average equity (ytd only) | 2.0770% | 3,728 |
| Net charge-offs to loans | 0.0171% | 1,404 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 195.6000% | 546 |
| Efficiency ratio | 57.4967% | 3,625 |
| Assets per employee ($millions) | 5.2165% | 3,503 |
| Cash dividends to net income (ytd only)* | 66.9271% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,780 |
| Loan loss allowance to noncurrent loans | 311.0638% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 2,413 |
| Noncurrent loans to loans | 0.3802% | 1,998 |
| Net loans and leases to total assets | 48.7827% | 3,484 |
| Net loans and leases to deposits | 58.8240% | 3,146 |
| Net loans and leases to core deposits | 62.8049% | 3,049 |
| Total domestic deposits to total assets | 82.9300% | 3,886 |
| Equity capital to assets | 16.9918% | 280 |
| Core capital (leverage) ratio | 21.9015% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0411% | 130 |
| Memoranda: | ||
| Average total assets | $127,905,667 | 3,716 |
| Average earning assets | $121,900,000 | 3,671 |
| Average equity | $24,458,333 | 2,713 |
| Average total loans | $58,331,667 | 3,816 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5864% | 1,543 |
| Cost of funding earning assets | 0.2548% | 2,105 |
| Net interest margin | 3.3316% | 1,493 |
| Noninterest income to average assets | 0.1919% | 4,010 |
| Noninterest expense to average assets | 1.9557% | 3,542 |
| Loan and lease loss provision to assets | 0.0928% | 891 |
| Net operating income to assets | 1.1821% | 1,290 |
| Return on assets (ROA) | 1.1821% | 1,288 |
| Pretax return on assets | 1.3399% | 1,408 |
| Return on Equity (ROE) | 5.8654% | 3,381 |
| Retained earnings to average equity (ytd only) | -2.0268% | 4,249 |
| Net charge-offs to loans | 0.0071% | 1,491 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 221 |
| Efficiency ratio | 57.7169% | 3,706 |
| Assets per employee ($millions) | 5.3690% | 3,428 |
| Cash dividends to net income (ytd only)* | 134.5550% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,711 |
| Loan loss allowance to noncurrent loans | 407.5145% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 2,855 |
| Noncurrent loans to loans | 0.3015% | 2,381 |
| Net loans and leases to total assets | 43.9766% | 3,742 |
| Net loans and leases to deposits | 54.0505% | 3,415 |
| Net loans and leases to core deposits | 57.6689% | 3,326 |
| Total domestic deposits to total assets | 81.3620% | 4,160 |
| Equity capital to assets | 18.4937% | 209 |
| Core capital (leverage) ratio | 20.9768% | 147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5669% | 145 |
| Memoranda: | ||
| Average total assets | $129,260,500 | 3,721 |
| Average earning assets | $124,023,000 | 3,670 |
| Average equity | $26,051,000 | 2,715 |
| Average total loans | $56,595,000 | 3,854 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 2,110 |
| Cost of funding earning assets | 0.3668% | 1,794 |
| Net interest margin | 3.3339% | 2,224 |
| Noninterest income to average assets | 0.1955% | 4,192 |
| Noninterest expense to average assets | 2.0657% | 3,482 |
| Loan and lease loss provision to assets | 0.0946% | 1,325 |
| Net operating income to assets | 1.0681% | 2,426 |
| Return on assets (ROA) | 1.0687% | 2,496 |
| Pretax return on assets | 1.2524% | 2,516 |
| Return on Equity (ROE) | 4.8273% | 4,031 |
| Retained earnings to average equity (ytd only) | 2.9975% | 3,631 |
| Net charge-offs to loans | 0.0392% | 1,472 |
| Credit loss provision to net charge-offs | 600.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 85.4000% | 956 |
| Efficiency ratio | 60.5452% | 3,074 |
| Assets per employee ($millions) | 5.8939% | 2,869 |
| Cash dividends to net income (ytd only)* | 37.9056% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,828 |
| Loan loss allowance to noncurrent loans | 384.0909% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 2,994 |
| Noncurrent loans to loans | 0.3153% | 2,459 |
| Net loans and leases to total assets | 42.5270% | 3,947 |
| Net loans and leases to deposits | 54.5700% | 3,552 |
| Net loans and leases to core deposits | 58.3697% | 3,444 |
| Total domestic deposits to total assets | 77.9310% | 4,400 |
| Equity capital to assets | 21.8037% | 126 |
| Core capital (leverage) ratio | 21.4374% | 136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7267% | 138 |
| Memoranda: | ||
| Average total assets | $126,879,000 | 3,721 |
| Average earning assets | $122,408,000 | 3,656 |
| Average equity | $28,090,400 | 2,645 |
| Average total loans | $50,958,600 | 3,980 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 2,257 |
| Cost of funding earning assets | 0.3899% | 1,779 |
| Net interest margin | 3.3175% | 2,363 |
| Noninterest income to average assets | 0.1891% | 4,261 |
| Noninterest expense to average assets | 1.9210% | 3,892 |
| Loan and lease loss provision to assets | 0.0951% | 1,255 |
| Net operating income to assets | 1.1299% | 2,435 |
| Return on assets (ROA) | 1.1317% | 2,494 |
| Pretax return on assets | 1.3758% | 2,420 |
| Return on Equity (ROE) | 5.0917% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.6481% | 4,020 |
| Net charge-offs to loans | 0.0563% | 1,080 |
| Credit loss provision to net charge-offs | 428.5714% | 829 |
| Earnings coverage of net charge-offs (x) | 66.1905% | 1,089 |
| Efficiency ratio | 56.6708% | 3,454 |
| Assets per employee ($millions) | 5.9304% | 2,761 |
| Cash dividends to net income (ytd only)* | 47.9925% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,833 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 3,022 |
| Noncurrent loans to loans | 0.4103% | 2,329 |
| Net loans and leases to total assets | 39.6649% | 4,225 |
| Net loans and leases to deposits | 50.9175% | 3,960 |
| Net loans and leases to core deposits | 54.0978% | 3,912 |
| Total domestic deposits to total assets | 77.9003% | 4,435 |
| Equity capital to assets | 21.6505% | 142 |
| Core capital (leverage) ratio | 21.3423% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0545% | 143 |
| Memoranda: | ||
| Average total assets | $126,182,250 | 3,767 |
| Average earning assets | $121,735,250 | 3,703 |
| Average equity | $28,045,000 | 2,678 |
| Average total loans | $49,743,500 | 4,062 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 2,159 |
| Cost of funding earning assets | 0.4082% | 1,817 |
| Net interest margin | 3.3569% | 2,280 |
| Noninterest income to average assets | 0.2084% | 4,157 |
| Noninterest expense to average assets | 1.8853% | 4,004 |
| Loan and lease loss provision to assets | 0.0962% | 1,306 |
| Net operating income to assets | 1.2713% | 1,949 |
| Return on assets (ROA) | 1.2713% | 2,023 |
| Pretax return on assets | 1.4701% | 2,109 |
| Return on Equity (ROE) | 5.6688% | 3,984 |
| Retained earnings to average equity (ytd only) | 1.9944% | 4,112 |
| Net charge-offs to loans | 0.0737% | 907 |
| Credit loss provision to net charge-offs | 333.3333% | 841 |
| Earnings coverage of net charge-offs (x) | 54.2778% | 1,022 |
| Efficiency ratio | 54.6215% | 3,728 |
| Assets per employee ($millions) | 6.0425% | 2,572 |
| Cash dividends to net income (ytd only)* | 64.8172% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,734 |
| Loan loss allowance to noncurrent loans | 290.1408% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,061 |
| Noncurrent loans to loans | 0.4268% | 2,401 |
| Net loans and leases to total assets | 38.8414% | 4,344 |
| Net loans and leases to deposits | 50.2022% | 4,094 |
| Net loans and leases to core deposits | 53.4555% | 4,051 |
| Total domestic deposits to total assets | 77.3699% | 4,488 |
| Equity capital to assets | 22.2148% | 122 |
| Core capital (leverage) ratio | 21.7298% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.9519% | 136 |
| Memoranda: | ||
| Average total assets | $124,753,667 | 3,800 |
| Average earning assets | $120,528,000 | 3,725 |
| Average equity | $27,977,667 | 2,677 |
| Average total loans | $48,859,667 | 4,106 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 2,111 |
| Cost of funding earning assets | 0.4213% | 1,930 |
| Net interest margin | 3.3740% | 2,178 |
| Noninterest income to average assets | 0.1552% | 4,425 |
| Noninterest expense to average assets | 1.9146% | 3,956 |
| Loan and lease loss provision to assets | 0.0970% | 1,387 |
| Net operating income to assets | 1.2483% | 1,983 |
| Return on assets (ROA) | 1.2483% | 2,064 |
| Pretax return on assets | 1.3809% | 2,335 |
| Return on Equity (ROE) | 5.5396% | 3,982 |
| Retained earnings to average equity (ytd only) | -1.8370% | 4,526 |
| Net charge-offs to loans | 0.0497% | 1,001 |
| Credit loss provision to net charge-offs | 500.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 76.1667% | 725 |
| Efficiency ratio | 56.4347% | 3,495 |
| Assets per employee ($millions) | 5.9519% | 2,650 |
| Cash dividends to net income (ytd only)* | 133.1606% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,778 |
| Loan loss allowance to noncurrent loans | 247.9339% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 2,936 |
| Noncurrent loans to loans | 0.4949% | 2,370 |
| Net loans and leases to total assets | 38.6439% | 4,402 |
| Net loans and leases to deposits | 49.7088% | 4,176 |
| Net loans and leases to core deposits | 52.8180% | 4,151 |
| Total domestic deposits to total assets | 77.7406% | 4,462 |
| Equity capital to assets | 21.9594% | 127 |
| Core capital (leverage) ratio | 21.7902% | 138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.2037% | 159 |
| Memoranda: | ||
| Average total assets | $123,684,000 | 3,820 |
| Average earning assets | $118,671,000 | 3,758 |
| Average equity | $27,872,000 | 2,678 |
| Average total loans | $48,337,000 | 4,138 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 2,898 |
| Cost of funding earning assets | 0.5907% | 2,383 |
| Net interest margin | 3.3527% | 2,918 |
| Noninterest income to average assets | 0.2044% | 4,250 |
| Noninterest expense to average assets | 2.3102% | 3,379 |
| Loan and lease loss provision to assets | 0.0596% | 3,626 |
| Net operating income to assets | 0.8417% | 2,933 |
| Return on assets (ROA) | 1.0018% | 2,429 |
| Pretax return on assets | 1.2377% | 2,198 |
| Return on Equity (ROE) | 4.2857% | 4,090 |
| Retained earnings to average equity (ytd only) | 2.4126% | 3,656 |
| Net charge-offs to loans | 0.2210% | 783 |
| Credit loss provision to net charge-offs | 70.7071% | 3,036 |
| Earnings coverage of net charge-offs (x) | 13.0404% | 2,304 |
| Efficiency ratio | 67.7492% | 2,264 |
| Assets per employee ($millions) | 5.3208% | 3,025 |
| Cash dividends to net income (ytd only)* | 43.7075% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,912 |
| Loan loss allowance to noncurrent loans | 225.8824% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 3,137 |
| Noncurrent loans to loans | 0.5338% | 2,379 |
| Net loans and leases to total assets | 38.5666% | 4,498 |
| Net loans and leases to deposits | 50.4662% | 4,291 |
| Net loans and leases to core deposits | 53.7539% | 4,265 |
| Total domestic deposits to total assets | 76.4206% | 4,476 |
| Equity capital to assets | 23.1226% | 115 |
| Core capital (leverage) ratio | 22.4630% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7810% | 141 |
| Memoranda: | ||
| Average total assets | $117,392,200 | 3,776 |
| Average earning assets | $112,238,000 | 3,731 |
| Average equity | $27,439,800 | 2,645 |
| Average total loans | $44,801,800 | 4,208 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 2,934 |
| Cost of funding earning assets | 0.6319% | 2,423 |
| Net interest margin | 3.3815% | 2,976 |
| Noninterest income to average assets | 0.2181% | 4,181 |
| Noninterest expense to average assets | 2.2339% | 3,597 |
| Loan and lease loss provision to assets | 0.0801% | 3,311 |
| Net operating income to assets | 0.9362% | 2,580 |
| Return on assets (ROA) | 1.1537% | 1,922 |
| Pretax return on assets | 1.4062% | 1,710 |
| Return on Equity (ROE) | 4.9217% | 3,917 |
| Retained earnings to average equity (ytd only) | 2.4045% | 3,782 |
| Net charge-offs to loans | 0.2693% | 578 |
| Credit loss provision to net charge-offs | 78.6517% | 2,766 |
| Earnings coverage of net charge-offs (x) | 11.9551% | 2,273 |
| Efficiency ratio | 64.6512% | 2,641 |
| Assets per employee ($millions) | 5.1785% | 3,036 |
| Cash dividends to net income (ytd only)* | 51.1443% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2381% | 2,457 |
| Loan loss allowance to noncurrent loans | 361.7284% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 3,617 |
| Noncurrent loans to loans | 0.3423% | 3,057 |
| Net loans and leases to total assets | 39.2477% | 4,585 |
| Net loans and leases to deposits | 51.7766% | 4,418 |
| Net loans and leases to core deposits | 55.6109% | 4,392 |
| Total domestic deposits to total assets | 75.8020% | 4,444 |
| Equity capital to assets | 23.6002% | 115 |
| Core capital (leverage) ratio | 22.7087% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.2802% | 151 |
| Memoranda: | ||
| Average total assets | $116,145,750 | 3,785 |
| Average earning assets | $111,189,750 | 3,733 |
| Average equity | $27,225,500 | 2,646 |
| Average total loans | $44,059,000 | 4,255 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 3,009 |
| Cost of funding earning assets | 0.6794% | 2,504 |
| Net interest margin | 3.4372% | 2,982 |
| Noninterest income to average assets | 0.1962% | 4,295 |
| Noninterest expense to average assets | 2.1813% | 3,849 |
| Loan and lease loss provision to assets | 0.1216% | 2,816 |
| Net operating income to assets | 0.9726% | 2,416 |
| Return on assets (ROA) | 1.2695% | 1,559 |
| Pretax return on assets | 1.5370% | 1,373 |
| Return on Equity (ROE) | 5.4287% | 3,708 |
| Retained earnings to average equity (ytd only) | 1.6115% | 3,905 |
| Net charge-offs to loans | 0.3817% | 415 |
| Credit loss provision to net charge-offs | 85.3659% | 2,485 |
| Earnings coverage of net charge-offs (x) | 9.1341% | 2,245 |
| Efficiency ratio | 62.6434% | 3,019 |
| Assets per employee ($millions) | 5.3610% | 2,770 |
| Cash dividends to net income (ytd only)* | 70.3146% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,225 |
| Loan loss allowance to noncurrent loans | 617.7083% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 3,917 |
| Noncurrent loans to loans | 0.2033% | 3,655 |
| Net loans and leases to total assets | 39.5376% | 4,624 |
| Net loans and leases to deposits | 52.1046% | 4,445 |
| Net loans and leases to core deposits | 55.9991% | 4,434 |
| Total domestic deposits to total assets | 75.8812% | 4,439 |
| Equity capital to assets | 23.5143% | 116 |
| Core capital (leverage) ratio | 23.0806% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.8948% | 146 |
| Memoranda: | ||
| Average total assets | $115,159,333 | 3,783 |
| Average earning assets | $110,089,667 | 3,742 |
| Average equity | $26,931,000 | 2,654 |
| Average total loans | $42,968,000 | 4,292 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,623 |
| Cost of funding earning assets | 0.7546% | 2,642 |
| Net interest margin | 3.3071% | 3,576 |
| Noninterest income to average assets | 0.1828% | 4,453 |
| Noninterest expense to average assets | 2.2432% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9408% | 2,374 |
| Return on assets (ROA) | 1.5189% | 817 |
| Pretax return on assets | 1.7474% | 775 |
| Return on Equity (ROE) | 6.5134% | 3,131 |
| Retained earnings to average equity (ytd only) | -1.2363% | 4,171 |
| Net charge-offs to loans | 0.2253% | 627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 13.3913% | 1,652 |
| Efficiency ratio | 67.4419% | 2,750 |
| Assets per employee ($millions) | 5.4211% | 2,202 |
| Cash dividends to net income (ytd only)* | 118.9815% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 1,641 |
| Loan loss allowance to noncurrent loans | 281.1594% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 3,694 |
| Noncurrent loans to loans | 0.5038% | 2,758 |
| Net loans and leases to total assets | 35.5815% | 4,793 |
| Net loans and leases to deposits | 46.3902% | 4,711 |
| Net loans and leases to core deposits | 49.9488% | 4,681 |
| Total domestic deposits to total assets | 76.7004% | 4,395 |
| Equity capital to assets | 22.9325% | 152 |
| Core capital (leverage) ratio | 23.2680% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.2211% | 113 |
| Memoranda: | ||
| Average total assets | $113,768,500 | 3,795 |
| Average earning assets | $108,132,000 | 3,747 |
| Average equity | $26,530,000 | 2,670 |
| Average total loans | $40,840,000 | 4,358 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,951 |
| Cost of funding earning assets | 0.8255% | 2,556 |
| Net interest margin | 3.3152% | 3,957 |
| Noninterest income to average assets | 0.2172% | 4,364 |
| Noninterest expense to average assets | 2.2757% | 4,008 |
| Loan and lease loss provision to assets | 0.0089% | 3,829 |
| Net operating income to assets | 0.9188% | 3,129 |
| Return on assets (ROA) | 1.1343% | 2,413 |
| Pretax return on assets | 1.3551% | 2,311 |
| Return on Equity (ROE) | 4.8417% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.8806% | 3,595 |
| Net charge-offs to loans | 0.1963% | 1,033 |
| Credit loss provision to net charge-offs | 13.3333% | 3,343 |
| Earnings coverage of net charge-offs (x) | 16.5200% | 2,164 |
| Efficiency ratio | 67.2655% | 2,568 |
| Assets per employee ($millions) | 5.1679% | 2,374 |
| Cash dividends to net income (ytd only)* | 40.5043% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,259 |
| Loan loss allowance to noncurrent loans | 141.0256% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 2,754 |
| Noncurrent loans to loans | 1.0569% | 1,432 |
| Net loans and leases to total assets | 35.1698% | 4,869 |
| Net loans and leases to deposits | 46.2956% | 4,780 |
| Net loans and leases to core deposits | 50.1210% | 4,759 |
| Total domestic deposits to total assets | 75.9679% | 4,602 |
| Equity capital to assets | 23.7066% | 142 |
| Core capital (leverage) ratio | 23.4599% | 147 |
| Tier 1 risk-based capital ratio | 46.2295% | 165 |
| Total risk-based capital ratio | 47.2871% | 165 |
| Memoranda: | ||
| Average total assets | $111,875,800 | 3,808 |
| Average earning assets | $106,841,800 | 3,766 |
| Average equity | $26,210,000 | 2,617 |
| Average total loans | $38,199,600 | 4,444 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 4,118 |
| Cost of funding earning assets | 0.8297% | 2,569 |
| Net interest margin | 3.2863% | 4,113 |
| Noninterest income to average assets | 0.2262% | 4,382 |
| Noninterest expense to average assets | 2.2975% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8842% | 3,404 |
| Return on assets (ROA) | 1.1619% | 2,418 |
| Pretax return on assets | 1.4096% | 2,275 |
| Return on Equity (ROE) | 4.9747% | 4,333 |
| Retained earnings to average equity (ytd only) | 2.3414% | 4,162 |
| Net charge-offs to loans | 0.2517% | 699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 12.6062% | 2,344 |
| Efficiency ratio | 68.2060% | 2,380 |
| Assets per employee ($millions) | 5.1178% | 2,426 |
| Cash dividends to net income (ytd only)* | 52.9356% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,197 |
| Loan loss allowance to noncurrent loans | 145.7421% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 2,905 |
| Noncurrent loans to loans | 1.0436% | 1,538 |
| Net loans and leases to total assets | 34.4459% | 4,981 |
| Net loans and leases to deposits | 45.5563% | 4,880 |
| Net loans and leases to core deposits | 49.3799% | 4,852 |
| Total domestic deposits to total assets | 75.6117% | 4,683 |
| Equity capital to assets | 23.8438% | 142 |
| Core capital (leverage) ratio | 23.4562% | 148 |
| Tier 1 risk-based capital ratio | 46.2978% | 163 |
| Total risk-based capital ratio | 47.3584% | 164 |
| Memoranda: | ||
| Average total assets | $111,421,250 | 3,856 |
| Average earning assets | $106,542,250 | 3,811 |
| Average equity | $26,024,250 | 2,642 |
| Average total loans | $37,601,750 | 4,519 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 4,178 |
| Cost of funding earning assets | 0.8223% | 2,535 |
| Net interest margin | 3.2702% | 4,197 |
| Noninterest income to average assets | 0.2252% | 4,397 |
| Noninterest expense to average assets | 2.2876% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8780% | 3,370 |
| Return on assets (ROA) | 1.0574% | 2,755 |
| Pretax return on assets | 1.2699% | 2,672 |
| Return on Equity (ROE) | 4.5592% | 4,452 |
| Retained earnings to average equity (ytd only) | 0.5670% | 4,547 |
| Net charge-offs to loans | 0.2540% | 661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 12.4468% | 2,154 |
| Efficiency ratio | 68.4636% | 2,454 |
| Assets per employee ($millions) | 5.0280% | 2,443 |
| Cash dividends to net income (ytd only)* | 87.5639% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 911 |
| Loan loss allowance to noncurrent loans | 206.9767% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 3,293 |
| Noncurrent loans to loans | 0.7987% | 1,999 |
| Net loans and leases to total assets | 33.5066% | 5,037 |
| Net loans and leases to deposits | 44.3031% | 4,947 |
| Net loans and leases to core deposits | 48.0901% | 4,911 |
| Total domestic deposits to total assets | 75.6303% | 4,709 |
| Equity capital to assets | 23.9014% | 139 |
| Core capital (leverage) ratio | 23.3673% | 143 |
| Tier 1 risk-based capital ratio | 48.9913% | 145 |
| Total risk-based capital ratio | 50.1759% | 145 |
| Memoranda: | ||
| Average total assets | $111,031,330 | 3,886 |
| Average earning assets | $105,805,330 | 3,849 |
| Average equity | $25,750,330 | 2,654 |
| Average total loans | $37,008,330 | 4,573 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 4,245 |
| Cost of funding earning assets | 0.8022% | 2,526 |
| Net interest margin | 3.2543% | 4,266 |
| Noninterest income to average assets | 0.2122% | 4,471 |
| Noninterest expense to average assets | 2.4380% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7551% | 3,759 |
| Return on assets (ROA) | 0.7551% | 3,805 |
| Pretax return on assets | 0.8666% | 3,877 |
| Return on Equity (ROE) | 3.3063% | 4,721 |
| Retained earnings to average equity (ytd only) | -4.7863% | 4,914 |
| Net charge-offs to loans | 0.3491% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 7.5313% | 2,127 |
| Efficiency ratio | 73.7758% | 1,781 |
| Assets per employee ($millions) | 5.0489% | 2,463 |
| Cash dividends to net income (ytd only)* | 244.7619% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7702% | 744 |
| Loan loss allowance to noncurrent loans | 277.3913% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 3,626 |
| Noncurrent loans to loans | 0.6382% | 2,418 |
| Net loans and leases to total assets | 31.8728% | 5,115 |
| Net loans and leases to deposits | 41.5465% | 5,050 |
| Net loans and leases to core deposits | 45.1822% | 5,014 |
| Total domestic deposits to total assets | 76.7159% | 4,683 |
| Equity capital to assets | 23.0428% | 147 |
| Core capital (leverage) ratio | 23.0189% | 149 |
| Tier 1 risk-based capital ratio | 49.5298% | 133 |
| Total risk-based capital ratio | 50.7745% | 133 |
| Memoranda: | ||
| Average total assets | $111,238,500 | 3,914 |
| Average earning assets | $105,705,000 | 3,889 |
| Average equity | $25,406,000 | 2,683 |
| Average total loans | $36,669,000 | 4,627 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 4,308 |
| Cost of funding earning assets | 0.5837% | 2,832 |
| Net interest margin | 3.2998% | 4,259 |
| Noninterest income to average assets | 0.2307% | 4,531 |
| Noninterest expense to average assets | 2.4273% | 3,808 |
| Loan and lease loss provision to assets | -0.0798% | 5,243 |
| Net operating income to assets | 0.8701% | 3,536 |
| Return on assets (ROA) | 1.1205% | 2,512 |
| Pretax return on assets | 1.3307% | 2,400 |
| Return on Equity (ROE) | 5.0831% | 4,433 |
| Retained earnings to average equity (ytd only) | 3.1271% | 3,826 |
| Net charge-offs to loans | 0.0359% | 2,684 |
| Credit loss provision to net charge-offs | -692.3077% | 4,684 |
| Earnings coverage of net charge-offs (x) | 82.6154% | 847 |
| Efficiency ratio | 71.8110% | 1,930 |
| Assets per employee ($millions) | 4.6417% | 2,972 |
| Cash dividends to net income (ytd only)* | 38.4798% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7964% | 683 |
| Loan loss allowance to noncurrent loans | 205.5215% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 3,210 |
| Noncurrent loans to loans | 0.8741% | 1,845 |
| Net loans and leases to total assets | 32.8785% | 5,149 |
| Net loans and leases to deposits | 42.6024% | 5,063 |
| Net loans and leases to core deposits | 46.2924% | 5,025 |
| Total domestic deposits to total assets | 77.1752% | 4,606 |
| Equity capital to assets | 22.6362% | 155 |
| Core capital (leverage) ratio | 23.4072% | 136 |
| Tier 1 risk-based capital ratio | 49.4239% | 136 |
| Total risk-based capital ratio | 50.6743% | 136 |
| Memoranda: | ||
| Average total assets | $112,718,800 | 3,902 |
| Average earning assets | $107,583,000 | 3,844 |
| Average equity | $24,847,000 | 2,653 |
| Average total loans | $36,191,800 | 4,652 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 4,377 |
| Cost of funding earning assets | 0.5249% | 3,029 |
| Net interest margin | 3.3025% | 4,271 |
| Noninterest income to average assets | 0.2300% | 4,592 |
| Noninterest expense to average assets | 2.4874% | 3,630 |
| Loan and lease loss provision to assets | 0.0531% | 2,918 |
| Net operating income to assets | 0.7614% | 4,041 |
| Return on assets (ROA) | 1.1181% | 2,602 |
| Pretax return on assets | 1.2396% | 2,846 |
| Return on Equity (ROE) | 5.1060% | 4,525 |
| Retained earnings to average equity (ytd only) | 2.4884% | 4,401 |
| Net charge-offs to loans | -0.0074% | 4,321 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5099% | 1,659 |
| Assets per employee ($millions) | 4.8210% | 2,694 |
| Cash dividends to net income (ytd only)* | 51.2655% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2952% | 307 |
| Loan loss allowance to noncurrent loans | 416.2437% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 3,824 |
| Noncurrent loans to loans | 0.5514% | 2,728 |
| Net loans and leases to total assets | 31.4809% | 5,251 |
| Net loans and leases to deposits | 40.5999% | 5,192 |
| Net loans and leases to core deposits | 43.5657% | 5,172 |
| Total domestic deposits to total assets | 77.5394% | 4,556 |
| Equity capital to assets | 22.1017% | 161 |
| Core capital (leverage) ratio | 22.9304% | 139 |
| Tier 1 risk-based capital ratio | 49.1860% | 140 |
| Total risk-based capital ratio | 50.4400% | 139 |
| Memoranda: | ||
| Average total assets | $113,048,250 | 3,938 |
| Average earning assets | $107,957,250 | 3,875 |
| Average equity | $24,754,500 | 2,675 |
| Average total loans | $35,915,500 | 4,710 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,547 |
| Cost of funding earning assets | 0.4933% | 3,053 |
| Net interest margin | 3.2229% | 4,455 |
| Noninterest income to average assets | 0.2356% | 4,608 |
| Noninterest expense to average assets | 2.5332% | 3,542 |
| Loan and lease loss provision to assets | 0.0527% | 2,860 |
| Net operating income to assets | 0.6352% | 4,396 |
| Return on assets (ROA) | 1.1550% | 2,374 |
| Pretax return on assets | 1.3184% | 2,437 |
| Return on Equity (ROE) | 5.2905% | 4,464 |
| Retained earnings to average equity (ytd only) | 1.3770% | 4,669 |
| Net charge-offs to loans | 0.1001% | 1,354 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 24.6667% | 1,666 |
| Efficiency ratio | 76.4456% | 1,373 |
| Assets per employee ($millions) | 5.0567% | 2,345 |
| Cash dividends to net income (ytd only)* | 73.9726% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2096% | 365 |
| Loan loss allowance to noncurrent loans | 490.6250% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 4,028 |
| Noncurrent loans to loans | 0.4504% | 3,088 |
| Net loans and leases to total assets | 31.2293% | 5,303 |
| Net loans and leases to deposits | 40.2297% | 5,239 |
| Net loans and leases to core deposits | 42.3688% | 5,232 |
| Total domestic deposits to total assets | 77.6275% | 4,647 |
| Equity capital to assets | 22.1164% | 159 |
| Core capital (leverage) ratio | 22.4520% | 148 |
| Tier 1 risk-based capital ratio | 48.0152% | 148 |
| Total risk-based capital ratio | 49.2670% | 148 |
| Memoranda: | ||
| Average total assets | $113,770,000 | 3,953 |
| Average earning assets | $108,658,330 | 3,898 |
| Average equity | $24,837,000 | 2,678 |
| Average total loans | $35,978,330 | 4,754 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4917% | 4,890 |
| Cost of funding earning assets | 0.4775% | 2,983 |
| Net interest margin | 3.0142% | 4,858 |
| Noninterest income to average assets | 0.2330% | 4,619 |
| Noninterest expense to average assets | 2.8410% | 2,565 |
| Loan and lease loss provision to assets | 0.0522% | 2,727 |
| Net operating income to assets | 0.1832% | 5,260 |
| Return on assets (ROA) | 1.1997% | 2,018 |
| Pretax return on assets | 1.3840% | 2,068 |
| Return on Equity (ROE) | 5.5303% | 4,305 |
| Retained earnings to average equity (ytd only) | -2.2602% | 5,032 |
| Net charge-offs to loans | 0.2210% | 679 |
| Credit loss provision to net charge-offs | 75.0000% | 1,788 |
| Earnings coverage of net charge-offs (x) | 3.8500% | 2,352 |
| Efficiency ratio | 91.3870% | 388 |
| Assets per employee ($millions) | 4.9137% | 2,588 |
| Cash dividends to net income (ytd only)* | 140.8696% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1524% | 421 |
| Loan loss allowance to noncurrent loans | 679.6460% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 4,344 |
| Noncurrent loans to loans | 0.3167% | 3,631 |
| Net loans and leases to total assets | 30.8926% | 5,348 |
| Net loans and leases to deposits | 39.5154% | 5,273 |
| Net loans and leases to core deposits | 41.5641% | 5,276 |
| Total domestic deposits to total assets | 78.1788% | 4,705 |
| Equity capital to assets | 21.6212% | 165 |
| Core capital (leverage) ratio | 21.6353% | 163 |
| Tier 1 risk-based capital ratio | 45.2354% | 169 |
| Total risk-based capital ratio | 46.4862% | 167 |
| Memoranda: | ||
| Average total assets | $115,031,000 | 3,979 |
| Average earning assets | $109,747,500 | 3,918 |
| Average equity | $24,953,500 | 2,691 |
| Average total loans | $36,204,000 | 4,797 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 3,103 |
| Cost of funding earning assets | 0.4830% | 2,476 |
| Net interest margin | 3.6027% | 3,157 |
| Noninterest income to average assets | 0.2664% | 4,534 |
| Noninterest expense to average assets | 2.2379% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2051% | 1,507 |
| Return on assets (ROA) | 1.2615% | 1,349 |
| Pretax return on assets | 1.5329% | 1,512 |
| Return on Equity (ROE) | 5.9195% | 3,798 |
| Retained earnings to average equity (ytd only) | 3.3200% | 3,306 |
| Net charge-offs to loans | 0.2589% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 18.1684% | 2,088 |
| Efficiency ratio | 60.4491% | 4,192 |
| Assets per employee ($millions) | 5.0890% | 2,371 |
| Cash dividends to net income (ytd only)* | 43.9139% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1047% | 441 |
| Loan loss allowance to noncurrent loans | 672.1739% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 4,413 |
| Noncurrent loans to loans | 0.3131% | 3,660 |
| Net loans and leases to total assets | 30.7173% | 5,425 |
| Net loans and leases to deposits | 39.3822% | 5,353 |
| Net loans and leases to core deposits | 41.3550% | 5,355 |
| Total domestic deposits to total assets | 77.9979% | 4,721 |
| Equity capital to assets | 21.7620% | 158 |
| Core capital (leverage) ratio | 21.2652% | 165 |
| Tier 1 risk-based capital ratio | 43.9139% | 168 |
| Total risk-based capital ratio | 45.1636% | 164 |
| Memoranda: | ||
| Average total assets | $117,877,800 | 3,933 |
| Average earning assets | $112,416,800 | 3,876 |
| Average equity | $25,120,400 | 2,668 |
| Average total loans | $36,686,800 | 4,831 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 3,518 |
| Cost of funding earning assets | 0.4802% | 2,432 |
| Net interest margin | 3.4704% | 3,598 |
| Noninterest income to average assets | 0.2755% | 4,537 |
| Noninterest expense to average assets | 2.2413% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1658% | 1,818 |
| Return on assets (ROA) | 1.2454% | 1,551 |
| Pretax return on assets | 1.4385% | 1,978 |
| Return on Equity (ROE) | 5.8749% | 4,180 |
| Retained earnings to average equity (ytd only) | 2.3968% | 4,451 |
| Net charge-offs to loans | 0.1999% | 1,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.6914% | 1,901 |
| Efficiency ratio | 62.4607% | 3,813 |
| Assets per employee ($millions) | 5.1276% | 2,301 |
| Cash dividends to net income (ytd only)* | 59.2018% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 381 |
| Loan loss allowance to noncurrent loans | 1,098.6486% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,675 |
| Noncurrent loans to loans | 0.2041% | 4,264 |
| Net loans and leases to total assets | 30.0479% | 5,499 |
| Net loans and leases to deposits | 38.6841% | 5,447 |
| Net loans and leases to core deposits | 40.6150% | 5,448 |
| Total domestic deposits to total assets | 77.6750% | 4,771 |
| Equity capital to assets | 21.6806% | 164 |
| Core capital (leverage) ratio | 20.8563% | 181 |
| Tier 1 risk-based capital ratio | 43.5358% | 179 |
| Total risk-based capital ratio | 44.7870% | 176 |
| Memoranda: | ||
| Average total assets | $118,085,250 | 3,962 |
| Average earning assets | $112,723,250 | 3,906 |
| Average equity | $25,032,500 | 2,694 |
| Average total loans | $36,676,750 | 4,878 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 3,385 |
| Cost of funding earning assets | 0.4770% | 2,353 |
| Net interest margin | 3.4686% | 3,514 |
| Noninterest income to average assets | 0.2658% | 4,641 |
| Noninterest expense to average assets | 2.2246% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1969% | 1,605 |
| Return on assets (ROA) | 1.1969% | 1,641 |
| Pretax return on assets | 1.3527% | 2,200 |
| Return on Equity (ROE) | 5.6893% | 4,188 |
| Retained earnings to average equity (ytd only) | 0.4345% | 4,987 |
| Net charge-offs to loans | 0.2118% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 20.4872% | 1,794 |
| Efficiency ratio | 62.1865% | 3,960 |
| Assets per employee ($millions) | 5.1455% | 2,215 |
| Cash dividends to net income (ytd only)* | 92.3621% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 388 |
| Loan loss allowance to noncurrent loans | 797.1154% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 4,611 |
| Noncurrent loans to loans | 0.2845% | 4,020 |
| Net loans and leases to total assets | 30.1824% | 5,538 |
| Net loans and leases to deposits | 38.7179% | 5,487 |
| Net loans and leases to core deposits | 40.6362% | 5,479 |
| Total domestic deposits to total assets | 77.9547% | 4,823 |
| Equity capital to assets | 21.4344% | 167 |
| Core capital (leverage) ratio | 20.5884% | 187 |
| Tier 1 risk-based capital ratio | 43.0094% | 182 |
| Total risk-based capital ratio | 44.2621% | 179 |
| Memoranda: | ||
| Average total assets | $118,135,330 | 3,989 |
| Average earning assets | $112,783,670 | 3,929 |
| Average equity | $24,853,670 | 2,716 |
| Average total loans | $36,819,000 | 4,903 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9287% | 3,288 |
| Cost of funding earning assets | 0.4760% | 2,295 |
| Net interest margin | 3.4527% | 3,440 |
| Noninterest income to average assets | 0.2406% | 4,812 |
| Noninterest expense to average assets | 2.2435% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1658% | 1,613 |
| Return on assets (ROA) | 1.1658% | 1,653 |
| Pretax return on assets | 1.2912% | 2,268 |
| Return on Equity (ROE) | 5.5942% | 4,094 |
| Retained earnings to average equity (ytd only) | -2.3580% | 5,205 |
| Net charge-offs to loans | 0.2598% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 15.8750% | 1,662 |
| Efficiency ratio | 63.4708% | 3,921 |
| Assets per employee ($millions) | 5.1543% | 2,235 |
| Cash dividends to net income (ytd only)* | 142.1512% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3260% | 400 |
| Loan loss allowance to noncurrent loans | 709.2437% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,601 |
| Noncurrent loans to loans | 0.3280% | 3,944 |
| Net loans and leases to total assets | 29.8968% | 5,588 |
| Net loans and leases to deposits | 37.8856% | 5,526 |
| Net loans and leases to core deposits | 39.6106% | 5,534 |
| Total domestic deposits to total assets | 78.9132% | 4,839 |
| Equity capital to assets | 20.7950% | 181 |
| Core capital (leverage) ratio | 20.4770% | 189 |
| Tier 1 risk-based capital ratio | 43.6255% | 181 |
| Total risk-based capital ratio | 44.8776% | 178 |
| Memoranda: | ||
| Average total assets | $118,029,500 | 4,027 |
| Average earning assets | $112,607,000 | 3,970 |
| Average equity | $24,597,000 | 2,745 |
| Average total loans | $36,954,000 | 4,946 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 3,361 |
| Cost of funding earning assets | 0.4989% | 2,099 |
| Net interest margin | 3.4567% | 3,600 |
| Noninterest income to average assets | 0.2981% | 4,604 |
| Noninterest expense to average assets | 2.2450% | 4,666 |
| Loan and lease loss provision to assets | 0.0422% | 3,538 |
| Net operating income to assets | 1.1635% | 1,634 |
| Return on assets (ROA) | 1.2889% | 1,311 |
| Pretax return on assets | 1.4392% | 1,782 |
| Return on Equity (ROE) | 6.0640% | 3,954 |
| Retained earnings to average equity (ytd only) | 4.2361% | 2,891 |
| Net charge-offs to loans | 0.5460% | 436 |
| Credit loss provision to net charge-offs | 25.1256% | 3,632 |
| Earnings coverage of net charge-offs (x) | 7.9849% | 2,940 |
| Efficiency ratio | 62.5854% | 4,162 |
| Assets per employee ($millions) | 5.1092% | 2,278 |
| Cash dividends to net income (ytd only)* | 30.1442% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 393 |
| Loan loss allowance to noncurrent loans | 469.1892% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 4,245 |
| Noncurrent loans to loans | 0.4917% | 3,394 |
| Net loans and leases to total assets | 31.2771% | 5,615 |
| Net loans and leases to deposits | 39.6393% | 5,560 |
| Net loans and leases to core deposits | 41.4611% | 5,558 |
| Total domestic deposits to total assets | 78.9041% | 4,816 |
| Equity capital to assets | 20.8849% | 180 |
| Core capital (leverage) ratio | 20.2945% | 189 |
| Tier 1 risk-based capital ratio | 43.4950% | 182 |
| Total risk-based capital ratio | 44.7485% | 181 |
| Memoranda: | ||
| Average total assets | $118,397,000 | 4,026 |
| Average earning assets | $112,651,600 | 3,957 |
| Average equity | $25,164,800 | 2,704 |
| Average total loans | $36,449,600 | 5,004 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,478 |
| Cost of funding earning assets | 0.4998% | 2,104 |
| Net interest margin | 3.4347% | 3,725 |
| Noninterest income to average assets | 0.3136% | 4,527 |
| Noninterest expense to average assets | 2.0986% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2620% | 1,410 |
| Return on assets (ROA) | 1.4196% | 1,081 |
| Pretax return on assets | 1.6681% | 1,205 |
| Return on Equity (ROE) | 6.6506% | 3,751 |
| Retained earnings to average equity (ytd only) | 4.2284% | 3,314 |
| Net charge-offs to loans | 0.4905% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.9172% | 2,636 |
| Efficiency ratio | 58.6001% | 4,737 |
| Assets per employee ($millions) | 5.2172% | 2,128 |
| Cash dividends to net income (ytd only)* | 36.4213% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4260% | 364 |
| Loan loss allowance to noncurrent loans | 496.6292% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 4,259 |
| Noncurrent loans to loans | 0.4885% | 3,540 |
| Net loans and leases to total assets | 29.6304% | 5,720 |
| Net loans and leases to deposits | 38.3789% | 5,668 |
| Net loans and leases to core deposits | 40.1443% | 5,675 |
| Total domestic deposits to total assets | 77.2049% | 5,046 |
| Equity capital to assets | 21.6126% | 177 |
| Core capital (leverage) ratio | 19.9244% | 203 |
| Tier 1 risk-based capital ratio | 42.6403% | 197 |
| Total risk-based capital ratio | 43.8934% | 194 |
| Memoranda: | ||
| Average total assets | $118,618,500 | 4,049 |
| Average earning assets | $112,846,000 | 3,978 |
| Average equity | $25,320,500 | 2,706 |
| Average total loans | $36,156,500 | 5,061 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,388 |
| Cost of funding earning assets | 0.5073% | 2,044 |
| Net interest margin | 3.4516% | 3,675 |
| Noninterest income to average assets | 0.2928% | 4,690 |
| Noninterest expense to average assets | 2.0447% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2753% | 1,348 |
| Return on assets (ROA) | 1.4607% | 1,006 |
| Pretax return on assets | 1.7536% | 974 |
| Return on Equity (ROE) | 6.8721% | 3,619 |
| Retained earnings to average equity (ytd only) | 3.2091% | 3,854 |
| Net charge-offs to loans | 0.1886% | 1,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 26.5882% | 1,484 |
| Efficiency ratio | 57.1970% | 5,000 |
| Assets per employee ($millions) | 5.1506% | 2,141 |
| Cash dividends to net income (ytd only)* | 53.3024% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7551% | 265 |
| Loan loss allowance to noncurrent loans | 520.1058% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 4,393 |
| Noncurrent loans to loans | 0.5297% | 3,492 |
| Net loans and leases to total assets | 29.2885% | 5,794 |
| Net loans and leases to deposits | 37.9457% | 5,746 |
| Net loans and leases to core deposits | 39.7152% | 5,755 |
| Total domestic deposits to total assets | 77.1853% | 5,136 |
| Equity capital to assets | 21.6354% | 163 |
| Core capital (leverage) ratio | 19.9038% | 199 |
| Tier 1 risk-based capital ratio | 40.7355% | 221 |
| Total risk-based capital ratio | 41.9896% | 219 |
| Memoranda: | ||
| Average total assets | $118,159,670 | 4,086 |
| Average earning assets | $112,352,330 | 4,010 |
| Average equity | $25,116,000 | 2,731 |
| Average total loans | $36,062,330 | 5,105 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 3,234 |
| Cost of funding earning assets | 0.5134% | 1,999 |
| Net interest margin | 3.4835% | 3,545 |
| Noninterest income to average assets | 0.2576% | 4,888 |
| Noninterest expense to average assets | 2.1592% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2475% | 1,412 |
| Return on assets (ROA) | 1.3728% | 1,152 |
| Pretax return on assets | 1.5524% | 1,427 |
| Return on Equity (ROE) | 6.5168% | 3,717 |
| Retained earnings to average equity (ytd only) | -0.8850% | 5,265 |
| Net charge-offs to loans | -0.0441% | 5,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4938% | 4,681 |
| Assets per employee ($millions) | 5.0685% | 2,270 |
| Cash dividends to net income (ytd only)* | 113.5802% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8323% | 262 |
| Loan loss allowance to noncurrent loans | 438.1974% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 4,430 |
| Noncurrent loans to loans | 0.6463% | 3,234 |
| Net loans and leases to total assets | 30.0476% | 5,827 |
| Net loans and leases to deposits | 38.7778% | 5,752 |
| Net loans and leases to core deposits | 40.6070% | 5,759 |
| Total domestic deposits to total assets | 77.4866% | 5,218 |
| Equity capital to assets | 21.4454% | 166 |
| Core capital (leverage) ratio | 19.5851% | 210 |
| Tier 1 risk-based capital ratio | 42.4486% | 204 |
| Total risk-based capital ratio | 43.7057% | 202 |
| Memoranda: | ||
| Average total assets | $118,008,000 | 4,120 |
| Average earning assets | $112,186,500 | 4,039 |
| Average equity | $24,859,000 | 2,757 |
| Average total loans | $36,254,000 | 5,136 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,282 |
| Cost of funding earning assets | 0.5314% | 1,914 |
| Net interest margin | 3.4763% | 3,612 |
| Noninterest income to average assets | 0.2996% | 4,740 |
| Noninterest expense to average assets | 2.0714% | 5,308 |
| Loan and lease loss provision to assets | 0.2622% | 711 |
| Net operating income to assets | 1.1017% | 1,919 |
| Return on assets (ROA) | 1.1843% | 1,686 |
| Pretax return on assets | 1.3549% | 2,084 |
| Return on Equity (ROE) | 5.8868% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.9838% | 3,195 |
| Net charge-offs to loans | 0.8058% | 277 |
| Credit loss provision to net charge-offs | 107.8767% | 2,339 |
| Earnings coverage of net charge-offs (x) | 6.2637% | 3,251 |
| Efficiency ratio | 57.6424% | 5,183 |
| Assets per employee ($millions) | 5.1931% | 2,129 |
| Cash dividends to net income (ytd only)* | 32.3261% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7894% | 284 |
| Loan loss allowance to noncurrent loans | 511.0553% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 4,546 |
| Noncurrent loans to loans | 0.5458% | 3,525 |
| Net loans and leases to total assets | 29.6732% | 5,901 |
| Net loans and leases to deposits | 37.8347% | 5,842 |
| Net loans and leases to core deposits | 39.5527% | 5,839 |
| Total domestic deposits to total assets | 78.4287% | 5,077 |
| Equity capital to assets | 20.6947% | 192 |
| Core capital (leverage) ratio | 19.1881% | 232 |
| Tier 1 risk-based capital ratio | 41.1019% | 214 |
| Total risk-based capital ratio | 42.3591% | 211 |
| Memoranda: | ||
| Average total assets | $120,157,400 | 4,063 |
| Average earning assets | $113,857,800 | 4,002 |
| Average equity | $24,172,800 | 2,769 |
| Average total loans | $36,235,800 | 5,147 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 3,338 |
| Cost of funding earning assets | 0.5330% | 1,944 |
| Net interest margin | 3.4683% | 3,679 |
| Noninterest income to average assets | 0.3169% | 4,673 |
| Noninterest expense to average assets | 1.9744% | 5,529 |
| Loan and lease loss provision to assets | 0.1994% | 1,008 |
| Net operating income to assets | 1.2199% | 1,587 |
| Return on assets (ROA) | 1.3141% | 1,357 |
| Pretax return on assets | 1.5412% | 1,567 |
| Return on Equity (ROE) | 6.5787% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.0271% | 3,600 |
| Net charge-offs to loans | 0.4238% | 602 |
| Credit loss provision to net charge-offs | 156.5217% | 1,624 |
| Earnings coverage of net charge-offs (x) | 12.7912% | 2,375 |
| Efficiency ratio | 54.7802% | 5,457 |
| Assets per employee ($millions) | 5.2553% | 1,994 |
| Cash dividends to net income (ytd only)* | 38.7861% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9252% | 268 |
| Loan loss allowance to noncurrent loans | 796.2406% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 4,785 |
| Noncurrent loans to loans | 0.3674% | 4,298 |
| Net loans and leases to total assets | 29.0756% | 5,999 |
| Net loans and leases to deposits | 36.8962% | 5,960 |
| Net loans and leases to core deposits | 38.5427% | 5,957 |
| Total domestic deposits to total assets | 78.8038% | 5,025 |
| Equity capital to assets | 20.2265% | 223 |
| Core capital (leverage) ratio | 19.0475% | 239 |
| Tier 1 risk-based capital ratio | 39.3708% | 257 |
| Total risk-based capital ratio | 40.6274% | 254 |
| Memoranda: | ||
| Average total assets | $120,336,500 | 4,111 |
| Average earning assets | $114,058,000 | 4,040 |
| Average equity | $24,036,500 | 2,800 |
| Average total loans | $36,180,000 | 5,208 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 3,275 |
| Cost of funding earning assets | 0.5393% | 1,910 |
| Net interest margin | 3.4634% | 3,648 |
| Noninterest income to average assets | 0.3063% | 4,764 |
| Noninterest expense to average assets | 1.9741% | 5,577 |
| Loan and lease loss provision to assets | 0.1997% | 983 |
| Net operating income to assets | 1.1708% | 1,699 |
| Return on assets (ROA) | 1.2717% | 1,460 |
| Pretax return on assets | 1.5247% | 1,573 |
| Return on Equity (ROE) | 6.3935% | 3,934 |
| Retained earnings to average equity (ytd only) | 2.5440% | 4,437 |
| Net charge-offs to loans | 0.3594% | 727 |
| Credit loss provision to net charge-offs | 184.6154% | 1,319 |
| Earnings coverage of net charge-offs (x) | 14.8154% | 2,031 |
| Efficiency ratio | 55.1885% | 5,498 |
| Assets per employee ($millions) | 5.1480% | 2,102 |
| Cash dividends to net income (ytd only)* | 60.2094% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9333% | 289 |
| Loan loss allowance to noncurrent loans | 535.2041% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 4,701 |
| Noncurrent loans to loans | 0.5481% | 3,809 |
| Net loans and leases to total assets | 29.3177% | 6,059 |
| Net loans and leases to deposits | 36.9523% | 6,001 |
| Net loans and leases to core deposits | 38.7379% | 5,998 |
| Total domestic deposits to total assets | 79.3392% | 5,016 |
| Equity capital to assets | 19.9497% | 228 |
| Core capital (leverage) ratio | 18.6636% | 254 |
| Tier 1 risk-based capital ratio | 39.5311% | 274 |
| Total risk-based capital ratio | 40.7883% | 268 |
| Memoranda: | ||
| Average total assets | $120,158,330 | 4,151 |
| Average earning assets | $113,473,330 | 4,086 |
| Average equity | $23,899,330 | 2,821 |
| Average total loans | $36,172,330 | 5,251 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9758% | 3,313 |
| Cost of funding earning assets | 0.5458% | 1,881 |
| Net interest margin | 3.4300% | 3,717 |
| Noninterest income to average assets | 0.3073% | 4,727 |
| Noninterest expense to average assets | 1.9135% | 5,737 |
| Loan and lease loss provision to assets | 0.1983% | 938 |
| Net operating income to assets | 1.1557% | 1,684 |
| Return on assets (ROA) | 1.3318% | 1,256 |
| Pretax return on assets | 1.6293% | 1,191 |
| Return on Equity (ROE) | 6.7059% | 3,653 |
| Retained earnings to average equity (ytd only) | -0.9485% | 5,552 |
| Net charge-offs to loans | 0.0550% | 2,220 |
| Credit loss provision to net charge-offs | 1,200.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 97.6000% | 509 |
| Efficiency ratio | 54.2643% | 5,658 |
| Assets per employee ($millions) | 5.2259% | 2,080 |
| Cash dividends to net income (ytd only)* | 114.1439% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9395% | 317 |
| Loan loss allowance to noncurrent loans | 206.9034% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 3,878 |
| Noncurrent loans to loans | 1.4207% | 2,022 |
| Net loans and leases to total assets | 28.8171% | 6,113 |
| Net loans and leases to deposits | 36.5964% | 6,039 |
| Net loans and leases to core deposits | 38.3488% | 6,029 |
| Total domestic deposits to total assets | 78.7431% | 5,306 |
| Equity capital to assets | 20.1080% | 222 |
| Core capital (leverage) ratio | 18.2871% | 270 |
| Tier 1 risk-based capital ratio | 39.1516% | 274 |
| Total risk-based capital ratio | 40.4101% | 269 |
| Memoranda: | ||
| Average total assets | $121,036,000 | 4,168 |
| Average earning assets | $113,587,500 | 4,106 |
| Average equity | $24,038,500 | 2,823 |
| Average total loans | $36,377,500 | 5,279 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 3,312 |
| Cost of funding earning assets | 0.6113% | 1,670 |
| Net interest margin | 3.4926% | 3,825 |
| Noninterest income to average assets | 0.3044% | 4,940 |
| Noninterest expense to average assets | 1.9873% | 5,787 |
| Loan and lease loss provision to assets | 0.2441% | 948 |
| Net operating income to assets | 1.1098% | 1,942 |
| Return on assets (ROA) | 1.1181% | 1,966 |
| Pretax return on assets | 1.3232% | 2,167 |
| Return on Equity (ROE) | 6.1079% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.0630% | 3,317 |
| Net charge-offs to loans | 0.3013% | 1,463 |
| Credit loss provision to net charge-offs | 270.2703% | 948 |
| Earnings coverage of net charge-offs (x) | 17.2432% | 1,941 |
| Efficiency ratio | 56.0606% | 5,659 |
| Assets per employee ($millions) | 5.2990% | 1,963 |
| Cash dividends to net income (ytd only)* | 33.4789% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6815% | 435 |
| Loan loss allowance to noncurrent loans | 352.4823% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 4,631 |
| Noncurrent loans to loans | 0.7607% | 3,420 |
| Net loans and leases to total assets | 29.5998% | 6,188 |
| Net loans and leases to deposits | 37.2957% | 6,123 |
| Net loans and leases to core deposits | 39.0414% | 6,120 |
| Total domestic deposits to total assets | 79.3651% | 5,172 |
| Equity capital to assets | 19.6167% | 242 |
| Core capital (leverage) ratio | 18.2356% | 279 |
| Tier 1 risk-based capital ratio | 38.4583% | 259 |
| Total risk-based capital ratio | 39.7140% | 258 |
| Memoranda: | ||
| Average total assets | $122,882,000 | 4,126 |
| Average earning assets | $114,013,200 | 4,094 |
| Average equity | $22,495,600 | 2,902 |
| Average total loans | $36,845,200 | 5,295 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,425 |
| Cost of funding earning assets | 0.6193% | 1,678 |
| Net interest margin | 3.4692% | 3,945 |
| Noninterest income to average assets | 0.2653% | 5,306 |
| Noninterest expense to average assets | 1.9155% | 5,925 |
| Loan and lease loss provision to assets | 0.2707% | 775 |
| Net operating income to assets | 1.1198% | 1,961 |
| Return on assets (ROA) | 1.1207% | 2,022 |
| Pretax return on assets | 1.3070% | 2,348 |
| Return on Equity (ROE) | 6.2322% | 4,116 |
| Retained earnings to average equity (ytd only) | 3.4623% | 4,165 |
| Net charge-offs to loans | 0.2428% | 1,584 |
| Credit loss provision to net charge-offs | 373.1343% | 758 |
| Earnings coverage of net charge-offs (x) | 21.7316% | 1,660 |
| Efficiency ratio | 54.8527% | 5,750 |
| Assets per employee ($millions) | 5.5058% | 1,716 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7028% | 488 |
| Loan loss allowance to noncurrent loans | 396.7871% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 4,747 |
| Noncurrent loans to loans | 0.6812% | 3,904 |
| Net loans and leases to total assets | 29.3632% | 6,274 |
| Net loans and leases to deposits | 36.7979% | 6,220 |
| Net loans and leases to core deposits | 38.7006% | 6,220 |
| Total domestic deposits to total assets | 79.7958% | 5,144 |
| Equity capital to assets | 19.1880% | 260 |
| Core capital (leverage) ratio | 17.9557% | 302 |
| Tier 1 risk-based capital ratio | 37.9901% | 275 |
| Total risk-based capital ratio | 39.2463% | 271 |
| Memoranda: | ||
| Average total assets | $123,133,500 | 4,155 |
| Average earning assets | $114,527,750 | 4,119 |
| Average equity | $22,142,500 | 2,942 |
| Average total loans | $36,789,250 | 5,353 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 3,466 |
| Cost of funding earning assets | 0.6227% | 1,709 |
| Net interest margin | 3.4475% | 3,991 |
| Noninterest income to average assets | 0.2488% | 5,422 |
| Noninterest expense to average assets | 1.9224% | 5,964 |
| Loan and lease loss provision to assets | 0.2827% | 718 |
| Net operating income to assets | 1.0842% | 1,993 |
| Return on assets (ROA) | 1.0856% | 2,048 |
| Pretax return on assets | 1.2472% | 2,472 |
| Return on Equity (ROE) | 6.1719% | 4,064 |
| Retained earnings to average equity (ytd only) | 1.9471% | 4,905 |
| Net charge-offs to loans | 0.2170% | 1,726 |
| Credit loss provision to net charge-offs | 437.5000% | 645 |
| Earnings coverage of net charge-offs (x) | 23.6500% | 1,461 |
| Efficiency ratio | 55.7116% | 5,770 |
| Assets per employee ($millions) | 5.5053% | 1,687 |
| Cash dividends to net income (ytd only)* | 68.4524% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6015% | 610 |
| Loan loss allowance to noncurrent loans | 208.8889% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 4,314 |
| Noncurrent loans to loans | 1.2454% | 2,737 |
| Net loans and leases to total assets | 29.0570% | 6,334 |
| Net loans and leases to deposits | 36.0691% | 6,291 |
| Net loans and leases to core deposits | 37.9153% | 6,278 |
| Total domestic deposits to total assets | 80.5593% | 5,109 |
| Equity capital to assets | 18.6786% | 284 |
| Core capital (leverage) ratio | 17.7426% | 309 |
| Tier 1 risk-based capital ratio | 37.6112% | 284 |
| Total risk-based capital ratio | 38.8655% | 281 |
| Memoranda: | ||
| Average total assets | $123,802,000 | 4,164 |
| Average earning assets | $114,981,330 | 4,124 |
| Average equity | $21,776,000 | 2,975 |
| Average total loans | $36,867,330 | 5,377 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,650 |
| Cost of funding earning assets | 0.6203% | 1,811 |
| Net interest margin | 3.3874% | 4,181 |
| Noninterest income to average assets | 0.1982% | 5,775 |
| Noninterest expense to average assets | 1.8730% | 6,106 |
| Loan and lease loss provision to assets | 0.3196% | 576 |
| Net operating income to assets | 1.0260% | 2,100 |
| Return on assets (ROA) | 1.0260% | 2,172 |
| Pretax return on assets | 1.1475% | 2,708 |
| Return on Equity (ROE) | 6.0133% | 4,014 |
| Retained earnings to average equity (ytd only) | -2.6039% | 5,920 |
| Net charge-offs to loans | 0.0430% | 2,783 |
| Credit loss provision to net charge-offs | 2,500.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 114.7500% | 410 |
| Efficiency ratio | 56.0766% | 5,832 |
| Assets per employee ($millions) | 5.3051% | 1,905 |
| Cash dividends to net income (ytd only)* | 143.3022% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4724% | 838 |
| Loan loss allowance to noncurrent loans | 68.7262% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.2744% | 2,735 |
| Noncurrent loans to loans | 3.5975% | 791 |
| Net loans and leases to total assets | 29.1277% | 6,387 |
| Net loans and leases to deposits | 35.5559% | 6,331 |
| Net loans and leases to core deposits | 37.4305% | 6,327 |
| Total domestic deposits to total assets | 81.9207% | 4,963 |
| Equity capital to assets | 17.7269% | 337 |
| Core capital (leverage) ratio | 17.3830% | 335 |
| Tier 1 risk-based capital ratio | 36.7006% | 294 |
| Total risk-based capital ratio | 37.9555% | 293 |
| Memoranda: | ||
| Average total assets | $125,144,500 | 4,161 |
| Average earning assets | $116,078,500 | 4,140 |
| Average equity | $21,352,500 | 3,012 |
| Average total loans | $37,234,500 | 5,415 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,165 |
| Cost of funding earning assets | 0.6985% | 1,825 |
| Net interest margin | 3.5473% | 3,699 |
| Noninterest income to average assets | 0.1480% | 6,205 |
| Noninterest expense to average assets | 2.1933% | 5,645 |
| Loan and lease loss provision to assets | 0.0201% | 4,737 |
| Net operating income to assets | 1.0632% | 2,066 |
| Return on assets (ROA) | 1.0870% | 2,050 |
| Pretax return on assets | 1.2431% | 2,405 |
| Return on Equity (ROE) | 6.2103% | 3,966 |
| Retained earnings to average equity (ytd only) | 4.0958% | 3,267 |
| Net charge-offs to loans | 0.6156% | 1,065 |
| Credit loss provision to net charge-offs | 10.9170% | 4,572 |
| Earnings coverage of net charge-offs (x) | 6.7074% | 3,001 |
| Efficiency ratio | 63.9606% | 4,905 |
| Assets per employee ($millions) | 5.5770% | 1,584 |
| Cash dividends to net income (ytd only)* | 34.0489% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 1,307 |
| Loan loss allowance to noncurrent loans | 287.5000% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 5,011 |
| Noncurrent loans to loans | 0.7363% | 4,118 |
| Net loans and leases to total assets | 29.0183% | 6,493 |
| Net loans and leases to deposits | 34.8684% | 6,464 |
| Net loans and leases to core deposits | 36.4407% | 6,457 |
| Total domestic deposits to total assets | 83.2222% | 4,462 |
| Equity capital to assets | 16.4301% | 455 |
| Core capital (leverage) ratio | 16.8873% | 385 |
| Tier 1 risk-based capital ratio | 35.2030% | 318 |
| Total risk-based capital ratio | 36.4537% | 312 |
| Memoranda: | ||
| Average total assets | $124,287,000 | 4,174 |
| Average earning assets | $114,960,000 | 4,164 |
| Average equity | $21,754,200 | 2,953 |
| Average total loans | $37,201,400 | 5,456 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2696% | 3,113 |
| Cost of funding earning assets | 0.7147% | 1,854 |
| Net interest margin | 3.5548% | 3,635 |
| Noninterest income to average assets | 0.1287% | 6,374 |
| Noninterest expense to average assets | 1.9076% | 6,173 |
| Loan and lease loss provision to assets | 0.2433% | 1,474 |
| Net operating income to assets | 1.1023% | 1,998 |
| Return on assets (ROA) | 1.1041% | 2,068 |
| Pretax return on assets | 1.2664% | 2,459 |
| Return on Equity (ROE) | 6.2092% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.4117% | 4,256 |
| Net charge-offs to loans | 0.0757% | 3,861 |
| Credit loss provision to net charge-offs | 1,071.4286% | 288 |
| Earnings coverage of net charge-offs (x) | 66.3793% | 692 |
| Efficiency ratio | 55.8581% | 5,918 |
| Assets per employee ($millions) | 5.2657% | 1,874 |
| Cash dividends to net income (ytd only)* | 45.0540% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2793% | 420 |
| Loan loss allowance to noncurrent loans | 416.8385% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 5,067 |
| Noncurrent loans to loans | 0.7867% | 4,274 |
| Net loans and leases to total assets | 29.5404% | 6,548 |
| Net loans and leases to deposits | 35.9142% | 6,512 |
| Net loans and leases to core deposits | 37.7737% | 6,510 |
| Total domestic deposits to total assets | 82.2528% | 4,849 |
| Equity capital to assets | 17.3690% | 376 |
| Core capital (leverage) ratio | 17.2460% | 366 |
| Tier 1 risk-based capital ratio | 35.9409% | 313 |
| Total risk-based capital ratio | 37.2018% | 305 |
| Memoranda: | ||
| Average total assets | $123,291,000 | 4,240 |
| Average earning assets | $113,982,500 | 4,224 |
| Average equity | $21,924,000 | 2,974 |
| Average total loans | $36,995,000 | 5,515 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 3,299 |
| Cost of funding earning assets | 0.7220% | 1,909 |
| Net interest margin | 3.4944% | 3,802 |
| Noninterest income to average assets | 0.1193% | 6,456 |
| Noninterest expense to average assets | 1.9046% | 6,215 |
| Loan and lease loss provision to assets | 0.2419% | 1,541 |
| Net operating income to assets | 1.0486% | 2,116 |
| Return on assets (ROA) | 1.0515% | 2,231 |
| Pretax return on assets | 1.1998% | 2,679 |
| Return on Equity (ROE) | 5.8686% | 4,245 |
| Retained earnings to average equity (ytd only) | 1.7282% | 5,149 |
| Net charge-offs to loans | 0.0541% | 3,920 |
| Credit loss provision to net charge-offs | 1,500.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 89.2000% | 511 |
| Efficiency ratio | 56.9706% | 5,857 |
| Assets per employee ($millions) | 5.2603% | 1,837 |
| Cash dividends to net income (ytd only)* | 70.5521% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0917% | 531 |
| Loan loss allowance to noncurrent loans | 327.3504% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 4,902 |
| Noncurrent loans to loans | 0.9445% | 4,037 |
| Net loans and leases to total assets | 29.7674% | 6,586 |
| Net loans and leases to deposits | 36.1306% | 6,556 |
| Net loans and leases to core deposits | 38.2223% | 6,532 |
| Total domestic deposits to total assets | 82.3883% | 4,917 |
| Equity capital to assets | 17.3306% | 387 |
| Core capital (leverage) ratio | 16.6060% | 409 |
| Tier 1 risk-based capital ratio | 35.6801% | 318 |
| Total risk-based capital ratio | 36.9388% | 308 |
| Memoranda: | ||
| Average total assets | $124,017,330 | 4,258 |
| Average earning assets | $114,412,000 | 4,247 |
| Average equity | $22,220,000 | 2,959 |
| Average total loans | $36,996,670 | 5,544 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 3,392 |
| Cost of funding earning assets | 0.7253% | 2,023 |
| Net interest margin | 3.4529% | 3,890 |
| Noninterest income to average assets | 0.1179% | 6,512 |
| Noninterest expense to average assets | 1.8577% | 6,352 |
| Loan and lease loss provision to assets | 0.2390% | 1,521 |
| Net operating income to assets | 1.0966% | 1,864 |
| Return on assets (ROA) | 1.1025% | 1,950 |
| Pretax return on assets | 1.1981% | 2,580 |
| Return on Equity (ROE) | 6.0580% | 4,013 |
| Retained earnings to average equity (ytd only) | -1.9960% | 6,078 |
| Net charge-offs to loans | -0.0433% | 6,073 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4922% | 6,014 |
| Assets per employee ($millions) | 5.3630% | 1,793 |
| Cash dividends to net income (ytd only)* | 132.9480% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0103% | 653 |
| Loan loss allowance to noncurrent loans | 266.0147% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 4,711 |
| Noncurrent loans to loans | 1.1316% | 3,893 |
| Net loans and leases to total assets | 28.4194% | 6,652 |
| Net loans and leases to deposits | 35.3146% | 6,597 |
| Net loans and leases to core deposits | 37.2640% | 6,589 |
| Total domestic deposits to total assets | 80.4749% | 5,640 |
| Equity capital to assets | 18.3431% | 311 |
| Core capital (leverage) ratio | 16.3258% | 421 |
| Tier 1 risk-based capital ratio | 35.5022% | 332 |
| Total risk-based capital ratio | 36.7612% | 325 |
| Memoranda: | ||
| Average total assets | $125,532,000 | 4,273 |
| Average earning assets | $115,265,500 | 4,259 |
| Average equity | $22,846,000 | 2,942 |
| Average total loans | $36,913,000 | 5,579 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 3,793 |
| Cost of funding earning assets | 0.8447% | 2,330 |
| Net interest margin | 3.5593% | 4,268 |
| Noninterest income to average assets | 0.1399% | 6,335 |
| Noninterest expense to average assets | 2.1550% | 6,013 |
| Loan and lease loss provision to assets | 0.2427% | 2,711 |
| Net operating income to assets | 0.8781% | 2,917 |
| Return on assets (ROA) | 1.0808% | 2,193 |
| Pretax return on assets | 1.2442% | 2,620 |
| Return on Equity (ROE) | 6.0212% | 4,163 |
| Retained earnings to average equity (ytd only) | 3.9480% | 3,425 |
| Net charge-offs to loans | 0.8541% | 1,344 |
| Credit loss provision to net charge-offs | 90.0901% | 3,474 |
| Earnings coverage of net charge-offs (x) | 4.6547% | 3,297 |
| Efficiency ratio | 63.2178% | 5,036 |
| Assets per employee ($millions) | 5.5528% | 1,637 |
| Cash dividends to net income (ytd only)* | 34.4311% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6776% | 947 |
| Loan loss allowance to noncurrent loans | 304.8338% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 4,605 |
| Noncurrent loans to loans | 0.8784% | 4,423 |
| Net loans and leases to total assets | 28.7155% | 6,744 |
| Net loans and leases to deposits | 35.6387% | 6,690 |
| Net loans and leases to core deposits | 37.4179% | 6,697 |
| Total domestic deposits to total assets | 80.5739% | 5,520 |
| Equity capital to assets | 18.0605% | 326 |
| Core capital (leverage) ratio | 16.2119% | 425 |
| Tier 1 risk-based capital ratio | 34.4097% | 355 |
| Total risk-based capital ratio | 35.6656% | 352 |
| Memoranda: | ||
| Average total assets | $123,617,400 | 4,276 |
| Average earning assets | $113,533,000 | 4,263 |
| Average equity | $22,188,200 | 2,950 |
| Average total loans | $38,986,400 | 5,551 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 3,786 |
| Cost of funding earning assets | 0.8683% | 2,401 |
| Net interest margin | 3.5905% | 4,272 |
| Noninterest income to average assets | 0.1207% | 6,533 |
| Noninterest expense to average assets | 1.9664% | 6,411 |
| Loan and lease loss provision to assets | 0.2447% | 2,607 |
| Net operating income to assets | 0.8220% | 3,333 |
| Return on assets (ROA) | 1.0343% | 2,566 |
| Pretax return on assets | 1.5226% | 1,799 |
| Return on Equity (ROE) | 5.7717% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.9799% | 4,767 |
| Net charge-offs to loans | 0.9598% | 1,114 |
| Credit loss provision to net charge-offs | 79.5053% | 3,636 |
| Earnings coverage of net charge-offs (x) | 4.7280% | 3,220 |
| Efficiency ratio | 57.4698% | 5,860 |
| Assets per employee ($millions) | 5.3847% | 1,746 |
| Cash dividends to net income (ytd only)* | 48.3702% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 1,116 |
| Loan loss allowance to noncurrent loans | 420.5128% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 4,584 |
| Noncurrent loans to loans | 0.6109% | 5,213 |
| Net loans and leases to total assets | 30.1351% | 6,813 |
| Net loans and leases to deposits | 37.7348% | 6,759 |
| Net loans and leases to core deposits | 39.6975% | 6,750 |
| Total domestic deposits to total assets | 79.8602% | 5,698 |
| Equity capital to assets | 18.3764% | 335 |
| Core capital (leverage) ratio | 16.1810% | 455 |
| Tier 1 risk-based capital ratio | 33.5807% | 393 |
| Total risk-based capital ratio | 34.8369% | 390 |
| Memoranda: | ||
| Average total assets | $122,593,000 | 4,336 |
| Average earning assets | $112,702,750 | 4,330 |
| Average equity | $21,968,750 | 2,997 |
| Average total loans | $39,312,250 | 5,608 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 3,837 |
| Cost of funding earning assets | 0.8913% | 2,469 |
| Net interest margin | 3.5921% | 4,294 |
| Noninterest income to average assets | 0.0933% | 6,703 |
| Noninterest expense to average assets | 1.9955% | 6,444 |
| Loan and lease loss provision to assets | 0.2456% | 2,605 |
| Net operating income to assets | 0.7169% | 3,773 |
| Return on assets (ROA) | 0.9904% | 2,737 |
| Pretax return on assets | 1.5715% | 1,633 |
| Return on Equity (ROE) | 5.5747% | 4,540 |
| Retained earnings to average equity (ytd only) | 1.3361% | 5,525 |
| Net charge-offs to loans | 0.3783% | 2,502 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 11.3200% | 1,971 |
| Efficiency ratio | 58.9458% | 5,738 |
| Assets per employee ($millions) | 5.3586% | 1,755 |
| Cash dividends to net income (ytd only)* | 76.0331% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9104% | 862 |
| Loan loss allowance to noncurrent loans | 310.2778% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1302% | 4,131 |
| Noncurrent loans to loans | 0.9380% | 4,636 |
| Net loans and leases to total assets | 30.2334% | 6,869 |
| Net loans and leases to deposits | 37.5867% | 6,820 |
| Net loans and leases to core deposits | 39.7958% | 6,808 |
| Total domestic deposits to total assets | 80.4362% | 5,633 |
| Equity capital to assets | 17.9751% | 346 |
| Core capital (leverage) ratio | 16.0606% | 452 |
| Tier 1 risk-based capital ratio | 33.1747% | 397 |
| Total risk-based capital ratio | 34.4325% | 391 |
| Memoranda: | ||
| Average total assets | $122,174,330 | 4,368 |
| Average earning assets | $111,967,670 | 4,366 |
| Average equity | $21,705,330 | 3,018 |
| Average total loans | $39,647,670 | 5,620 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 3,660 |
| Cost of funding earning assets | 0.9230% | 2,491 |
| Net interest margin | 3.6416% | 4,081 |
| Noninterest income to average assets | -0.1611% | 7,186 |
| Noninterest expense to average assets | 1.9829% | 6,494 |
| Loan and lease loss provision to assets | 0.2466% | 2,496 |
| Net operating income to assets | 0.5269% | 4,703 |
| Return on assets (ROA) | 1.0720% | 2,384 |
| Pretax return on assets | 1.7823% | 1,113 |
| Return on Equity (ROE) | 6.0705% | 4,248 |
| Retained earnings to average equity (ytd only) | -2.4952% | 6,338 |
| Net charge-offs to loans | 0.1589% | 3,142 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 22.3750% | 1,129 |
| Efficiency ratio | 62.7471% | 5,143 |
| Assets per employee ($millions) | 5.0361% | 2,212 |
| Cash dividends to net income (ytd only)* | 141.1043% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8143% | 991 |
| Loan loss allowance to noncurrent loans | 152.4931% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 3,722 |
| Noncurrent loans to loans | 1.8455% | 3,349 |
| Net loans and leases to total assets | 31.4572% | 6,856 |
| Net loans and leases to deposits | 38.8021% | 6,793 |
| Net loans and leases to core deposits | 40.9925% | 6,784 |
| Total domestic deposits to total assets | 81.0708% | 5,587 |
| Equity capital to assets | 17.7205% | 358 |
| Core capital (leverage) ratio | 15.9646% | 468 |
| Tier 1 risk-based capital ratio | 32.5362% | 409 |
| Total risk-based capital ratio | 33.7945% | 401 |
| Memoranda: | ||
| Average total assets | $121,637,500 | 4,419 |
| Average earning assets | $110,940,500 | 4,412 |
| Average equity | $21,481,000 | 3,043 |
| Average total loans | $40,282,000 | 5,628 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 3,757 |
| Cost of funding earning assets | 1.1463% | 2,369 |
| Net interest margin | 3.6648% | 4,452 |
| Noninterest income to average assets | 0.3216% | 5,245 |
| Noninterest expense to average assets | 2.0469% | 6,587 |
| Loan and lease loss provision to assets | 0.3798% | 2,723 |
| Net operating income to assets | 1.0946% | 1,854 |
| Return on assets (ROA) | 1.1117% | 1,905 |
| Pretax return on assets | 1.2687% | 2,245 |
| Return on Equity (ROE) | 6.5571% | 3,609 |
| Retained earnings to average equity (ytd only) | 4.4112% | 3,034 |
| Net charge-offs to loans | 1.7447% | 859 |
| Credit loss provision to net charge-offs | 59.6817% | 5,179 |
| Earnings coverage of net charge-offs (x) | 2.5597% | 3,934 |
| Efficiency ratio | 55.6831% | 6,355 |
| Assets per employee ($millions) | 4.7080% | 2,588 |
| Cash dividends to net income (ytd only)* | 32.7259% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5144% | 1,297 |
| Loan loss allowance to noncurrent loans | 109.7998% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 3,470 |
| Noncurrent loans to loans | 2.2899% | 2,866 |
| Net loans and leases to total assets | 33.0041% | 6,912 |
| Net loans and leases to deposits | 40.5647% | 6,850 |
| Net loans and leases to core deposits | 42.6800% | 6,864 |
| Total domestic deposits to total assets | 81.3617% | 5,341 |
| Equity capital to assets | 17.6000% | 373 |
| Core capital (leverage) ratio | 15.8243% | 482 |
| Tier 1 risk-based capital ratio | 31.3209% | 458 |
| Total risk-based capital ratio | 32.5756% | 451 |
| Memoranda: | ||
| Average total assets | $118,469,600 | 4,446 |
| Average earning assets | $108,436,000 | 4,439 |
| Average equity | $20,085,200 | 3,130 |
| Average total loans | $43,216,400 | 5,553 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 3,613 |
| Cost of funding earning assets | 1.1934% | 2,361 |
| Net interest margin | 3.6954% | 4,353 |
| Noninterest income to average assets | 0.3609% | 4,981 |
| Noninterest expense to average assets | 1.8793% | 6,879 |
| Loan and lease loss provision to assets | 0.2837% | 3,254 |
| Net operating income to assets | 1.4078% | 1,132 |
| Return on assets (ROA) | 1.4311% | 1,166 |
| Pretax return on assets | 1.6115% | 1,352 |
| Return on Equity (ROE) | 8.5256% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.6116% | 2,786 |
| Net charge-offs to loans | 0.2077% | 4,140 |
| Credit loss provision to net charge-offs | 367.6471% | 776 |
| Earnings coverage of net charge-offs (x) | 24.2218% | 1,085 |
| Efficiency ratio | 50.1362% | 6,820 |
| Assets per employee ($millions) | 4.6643% | 2,666 |
| Cash dividends to net income (ytd only)* | 34.1791% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6288% | 509 |
| Loan loss allowance to noncurrent loans | 88.5797% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 2.0408% | 3,093 |
| Noncurrent loans to loans | 4.0966% | 1,618 |
| Net loans and leases to total assets | 33.4617% | 6,976 |
| Net loans and leases to deposits | 41.2105% | 6,939 |
| Net loans and leases to core deposits | 43.3830% | 6,939 |
| Total domestic deposits to total assets | 81.1970% | 5,373 |
| Equity capital to assets | 17.7154% | 424 |
| Core capital (leverage) ratio | 16.4246% | 453 |
| Tier 1 risk-based capital ratio | 31.2233% | 485 |
| Total risk-based capital ratio | 32.4890% | 474 |
| Memoranda: | ||
| Average total assets | $117,484,750 | 4,491 |
| Average earning assets | $107,698,750 | 4,486 |
| Average equity | $19,720,500 | 3,189 |
| Average total loans | $43,660,000 | 5,577 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 3,340 |
| Cost of funding earning assets | 1.2490% | 2,257 |
| Net interest margin | 3.7133% | 4,201 |
| Noninterest income to average assets | 0.3321% | 5,236 |
| Noninterest expense to average assets | 1.8964% | 6,955 |
| Loan and lease loss provision to assets | 0.2581% | 3,333 |
| Net operating income to assets | 1.3211% | 1,266 |
| Return on assets (ROA) | 1.3543% | 1,254 |
| Pretax return on assets | 1.6193% | 1,221 |
| Return on Equity (ROE) | 8.2268% | 2,846 |
| Retained earnings to average equity (ytd only) | 3.7214% | 3,847 |
| Net charge-offs to loans | 0.1720% | 4,143 |
| Credit loss provision to net charge-offs | 394.7368% | 764 |
| Earnings coverage of net charge-offs (x) | 28.1053% | 970 |
| Efficiency ratio | 50.7834% | 6,889 |
| Assets per employee ($millions) | 4.5313% | 2,785 |
| Cash dividends to net income (ytd only)* | 54.7649% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3282% | 687 |
| Loan loss allowance to noncurrent loans | 80.4636% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.2179% | 2,955 |
| Noncurrent loans to loans | 4.1362% | 1,651 |
| Net loans and leases to total assets | 35.9468% | 6,961 |
| Net loans and leases to deposits | 43.5391% | 6,937 |
| Net loans and leases to core deposits | 46.0682% | 6,936 |
| Total domestic deposits to total assets | 82.5622% | 4,961 |
| Equity capital to assets | 16.9056% | 493 |
| Core capital (leverage) ratio | 16.1753% | 486 |
| Tier 1 risk-based capital ratio | 29.6482% | 555 |
| Total risk-based capital ratio | 30.9101% | 537 |
| Memoranda: | ||
| Average total assets | $116,222,000 | 4,556 |
| Average earning assets | $106,483,330 | 4,549 |
| Average equity | $19,132,670 | 3,256 |
| Average total loans | $44,177,330 | 5,607 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 2,767 |
| Cost of funding earning assets | 1.2880% | 2,254 |
| Net interest margin | 3.7842% | 3,681 |
| Noninterest income to average assets | 0.3327% | 5,242 |
| Noninterest expense to average assets | 1.9614% | 6,891 |
| Loan and lease loss provision to assets | 0.2599% | 3,058 |
| Net operating income to assets | 1.2923% | 1,287 |
| Return on assets (ROA) | 1.3584% | 1,188 |
| Pretax return on assets | 1.6426% | 1,097 |
| Return on Equity (ROE) | 8.3669% | 2,754 |
| Retained earnings to average equity (ytd only) | -0.8324% | 5,948 |
| Net charge-offs to loans | 0.1082% | 3,879 |
| Credit loss provision to net charge-offs | 625.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 43.8333% | 636 |
| Efficiency ratio | 51.8315% | 6,867 |
| Assets per employee ($millions) | 4.4425% | 2,990 |
| Cash dividends to net income (ytd only)* | 109.9490% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2232% | 758 |
| Loan loss allowance to noncurrent loans | 73.2328% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.1644% | 3,111 |
| Noncurrent loans to loans | 4.4013% | 1,600 |
| Net loans and leases to total assets | 36.6258% | 6,974 |
| Net loans and leases to deposits | 43.9930% | 6,957 |
| Net loans and leases to core deposits | 46.7231% | 6,941 |
| Total domestic deposits to total assets | 83.2537% | 4,820 |
| Equity capital to assets | 16.3654% | 516 |
| Core capital (leverage) ratio | 16.1853% | 470 |
| Tier 1 risk-based capital ratio | 28.9589% | 579 |
| Total risk-based capital ratio | 30.2195% | 563 |
| Memoranda: | ||
| Average total assets | $115,426,500 | 4,606 |
| Average earning assets | $105,280,000 | 4,608 |
| Average equity | $18,740,500 | 3,291 |
| Average total loans | $44,362,000 | 5,641 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2004% | 3,608 |
| Cost of funding earning assets | 1.4647% | 2,863 |
| Net interest margin | 3.7358% | 4,203 |
| Noninterest income to average assets | 0.3748% | 5,097 |
| Noninterest expense to average assets | 1.9991% | 7,026 |
| Loan and lease loss provision to assets | 0.5472% | 2,950 |
| Net operating income to assets | 1.1729% | 1,481 |
| Return on assets (ROA) | 1.1729% | 1,556 |
| Pretax return on assets | 1.2759% | 1,997 |
| Return on Equity (ROE) | 6.7705% | 3,227 |
| Retained earnings to average equity (ytd only) | 3.6695% | 3,289 |
| Net charge-offs to loans | 1.2560% | 1,787 |
| Credit loss provision to net charge-offs | 104.5296% | 4,295 |
| Earnings coverage of net charge-offs (x) | 3.4826% | 3,338 |
| Efficiency ratio | 52.3026% | 6,967 |
| Assets per employee ($millions) | 4.6139% | 2,679 |
| Cash dividends to net income (ytd only)* | 45.8009% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9904% | 877 |
| Loan loss allowance to noncurrent loans | 73.9154% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.1015% | 3,218 |
| Noncurrent loans to loans | 4.0458% | 1,790 |
| Net loans and leases to total assets | 37.8545% | 7,076 |
| Net loans and leases to deposits | 45.2805% | 7,071 |
| Net loans and leases to core deposits | 48.4338% | 7,052 |
| Total domestic deposits to total assets | 83.5999% | 4,557 |
| Equity capital to assets | 16.1062% | 566 |
| Core capital (leverage) ratio | 15.7380% | 541 |
| Tier 1 risk-based capital ratio | 28.5113% | 574 |
| Total risk-based capital ratio | 29.7713% | 561 |
| Memoranda: | ||
| Average total assets | $109,647,200 | 4,723 |
| Average earning assets | $101,184,000 | 4,695 |
| Average equity | $18,994,200 | 3,280 |
| Average total loans | $45,701,000 | 5,667 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 3,782 |
| Cost of funding earning assets | 1.4755% | 3,119 |
| Net interest margin | 3.7339% | 4,252 |
| Noninterest income to average assets | 0.3671% | 5,218 |
| Noninterest expense to average assets | 1.9687% | 7,101 |
| Loan and lease loss provision to assets | 0.2772% | 4,363 |
| Net operating income to assets | 1.2184% | 1,539 |
| Return on assets (ROA) | 1.2184% | 1,616 |
| Pretax return on assets | 1.5819% | 1,390 |
| Return on Equity (ROE) | 6.9045% | 3,388 |
| Retained earnings to average equity (ytd only) | 2.7925% | 4,479 |
| Net charge-offs to loans | 0.6074% | 2,923 |
| Credit loss provision to net charge-offs | 107.6555% | 3,961 |
| Earnings coverage of net charge-offs (x) | 7.2201% | 2,366 |
| Efficiency ratio | 51.4322% | 7,036 |
| Assets per employee ($millions) | 4.6509% | 2,679 |
| Cash dividends to net income (ytd only)* | 59.5550% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8803% | 929 |
| Loan loss allowance to noncurrent loans | 206.8111% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,903 |
| Noncurrent loans to loans | 1.3927% | 4,532 |
| Net loans and leases to total assets | 38.7436% | 7,147 |
| Net loans and leases to deposits | 47.3756% | 7,112 |
| Net loans and leases to core deposits | 51.3971% | 7,068 |
| Total domestic deposits to total assets | 81.7798% | 5,085 |
| Equity capital to assets | 17.2440% | 493 |
| Core capital (leverage) ratio | 16.0069% | 563 |
| Tier 1 risk-based capital ratio | 27.7864% | 644 |
| Total risk-based capital ratio | 29.0467% | 624 |
| Memoranda: | ||
| Average total assets | $108,222,250 | 4,830 |
| Average earning assets | $100,304,250 | 4,771 |
| Average equity | $19,098,250 | 3,304 |
| Average total loans | $45,873,750 | 5,737 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 3,732 |
| Cost of funding earning assets | 1.4623% | 3,480 |
| Net interest margin | 3.7840% | 3,964 |
| Noninterest income to average assets | 0.3411% | 5,423 |
| Noninterest expense to average assets | 1.9557% | 7,178 |
| Loan and lease loss provision to assets | 0.2843% | 4,121 |
| Net operating income to assets | 1.3189% | 1,261 |
| Return on assets (ROA) | 1.3189% | 1,333 |
| Pretax return on assets | 1.6221% | 1,240 |
| Return on Equity (ROE) | 7.4117% | 3,143 |
| Retained earnings to average equity (ytd only) | 2.7794% | 4,365 |
| Net charge-offs to loans | 0.5251% | 2,960 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 8.3833% | 2,143 |
| Efficiency ratio | 50.6379% | 7,182 |
| Assets per employee ($millions) | 4.2200% | 3,349 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9711% | 842 |
| Loan loss allowance to noncurrent loans | 124.3094% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 4,682 |
| Noncurrent loans to loans | 2.3901% | 3,268 |
| Net loans and leases to total assets | 40.1810% | 7,155 |
| Net loans and leases to deposits | 48.9518% | 7,112 |
| Net loans and leases to core deposits | 52.7079% | 7,099 |
| Total domestic deposits to total assets | 82.0827% | 4,947 |
| Equity capital to assets | 17.4661% | 472 |
| Core capital (leverage) ratio | 16.9718% | 445 |
| Tier 1 risk-based capital ratio | 28.7569% | 582 |
| Total risk-based capital ratio | 30.0186% | 570 |
| Memoranda: | ||
| Average total assets | $105,539,000 | 4,927 |
| Average earning assets | $98,201,670 | 4,867 |
| Average equity | $18,781,000 | 3,336 |
| Average total loans | $45,703,670 | 5,782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 3,688 |
| Cost of funding earning assets | 1.4589% | 3,816 |
| Net interest margin | 3.8113% | 3,749 |
| Noninterest income to average assets | 0.3751% | 5,137 |
| Noninterest expense to average assets | 1.9991% | 7,162 |
| Loan and lease loss provision to assets | 0.2900% | 3,700 |
| Net operating income to assets | 1.8792% | 421 |
| Return on assets (ROA) | 1.8792% | 459 |
| Pretax return on assets | 1.6317% | 1,193 |
| Return on Equity (ROE) | 10.4575% | 1,964 |
| Retained earnings to average equity (ytd only) | 1.0974% | 5,377 |
| Net charge-offs to loans | 0.8465% | 1,842 |
| Credit loss provision to net charge-offs | 77.3196% | 3,948 |
| Earnings coverage of net charge-offs (x) | 5.1237% | 2,461 |
| Efficiency ratio | 50.9862% | 7,245 |
| Assets per employee ($millions) | 4.0552% | 3,742 |
| Cash dividends to net income (ytd only)* | 89.5062% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8780% | 915 |
| Loan loss allowance to noncurrent loans | 123.6190% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 4,509 |
| Noncurrent loans to loans | 2.3281% | 3,355 |
| Net loans and leases to total assets | 41.5454% | 7,154 |
| Net loans and leases to deposits | 50.7473% | 7,093 |
| Net loans and leases to core deposits | 54.5247% | 7,076 |
| Total domestic deposits to total assets | 81.8673% | 5,126 |
| Equity capital to assets | 17.7457% | 444 |
| Core capital (leverage) ratio | 17.5843% | 391 |
| Tier 1 risk-based capital ratio | 29.2584% | 567 |
| Total risk-based capital ratio | 30.5196% | 552 |
| Memoranda: | ||
| Average total assets | $103,448,000 | 5,046 |
| Average earning assets | $96,240,000 | 4,978 |
| Average equity | $18,589,500 | 3,378 |
| Average total loans | $45,837,000 | 5,845 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8056% | 2,633 |
| Cost of funding earning assets | 1.6500% | 4,791 |
| Net interest margin | 4.1556% | 2,226 |
| Noninterest income to average assets | 0.4335% | 4,922 |
| Noninterest expense to average assets | 2.5038% | 6,113 |
| Loan and lease loss provision to assets | 1.0503% | 2,186 |
| Net operating income to assets | 1.1226% | 1,461 |
| Return on assets (ROA) | 1.1310% | 1,466 |
| Pretax return on assets | 0.7278% | 3,480 |
| Return on Equity (ROE) | 5.9594% | 3,226 |
| Retained earnings to average equity (ytd only) | 1.8264% | 3,823 |
| Net charge-offs to loans | 0.8199% | 2,774 |
| Credit loss provision to net charge-offs | 267.4667% | 1,306 |
| Earnings coverage of net charge-offs (x) | 4.5067% | 2,926 |
| Efficiency ratio | 58.5886% | 6,683 |
| Assets per employee ($millions) | 4.0585% | 3,696 |
| Cash dividends to net income (ytd only)* | 69.3519% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8343% | 897 |
| Loan loss allowance to noncurrent loans | 118.7050% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 1.4833% | 4,163 |
| Noncurrent loans to loans | 2.3876% | 3,177 |
| Net loans and leases to total assets | 44.6009% | 7,079 |
| Net loans and leases to deposits | 54.7102% | 7,005 |
| Net loans and leases to core deposits | 70.8517% | 6,719 |
| Total domestic deposits to total assets | 81.5221% | 5,142 |
| Equity capital to assets | 18.2029% | 430 |
| Core capital (leverage) ratio | 18.0803% | 402 |
| Tier 1 risk-based capital ratio | 29.2015% | 568 |
| Total risk-based capital ratio | 30.4623% | 556 |
| Memoranda: | ||
| Average total assets | $95,493,800 | 5,226 |
| Average earning assets | $88,241,800 | 5,184 |
| Average equity | $18,122,600 | 3,489 |
| Average total loans | $45,736,600 | 5,847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8653% | 2,606 |
| Cost of funding earning assets | 1.6979% | 4,911 |
| Net interest margin | 4.1674% | 2,159 |
| Noninterest income to average assets | 0.4099% | 5,213 |
| Noninterest expense to average assets | 2.2921% | 6,728 |
| Loan and lease loss provision to assets | 0.5971% | 3,002 |
| Net operating income to assets | 1.2394% | 1,375 |
| Return on assets (ROA) | 1.2496% | 1,409 |
| Pretax return on assets | 1.3858% | 1,738 |
| Return on Equity (ROE) | 6.5128% | 3,291 |
| Retained earnings to average equity (ytd only) | 0.9832% | 4,762 |
| Net charge-offs to loans | 0.8844% | 2,194 |
| Credit loss provision to net charge-offs | 139.4040% | 3,538 |
| Earnings coverage of net charge-offs (x) | 4.6026% | 3,074 |
| Efficiency ratio | 53.7591% | 7,265 |
| Assets per employee ($millions) | 3.7183% | 4,379 |
| Cash dividends to net income (ytd only)* | 84.9035% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 2,345 |
| Loan loss allowance to noncurrent loans | 82.0020% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4192% | 4,266 |
| Noncurrent loans to loans | 2.1706% | 3,419 |
| Net loans and leases to total assets | 46.2913% | 7,086 |
| Net loans and leases to deposits | 57.6350% | 6,990 |
| Net loans and leases to core deposits | 71.8751% | 6,853 |
| Total domestic deposits to total assets | 80.3180% | 5,323 |
| Equity capital to assets | 19.0345% | 416 |
| Core capital (leverage) ratio | 18.4764% | 419 |
| Tier 1 risk-based capital ratio | 29.7512% | 579 |
| Total risk-based capital ratio | 31.0028% | 566 |
| Memoranda: | ||
| Average total assets | $94,001,750 | 5,302 |
| Average earning assets | $86,926,500 | 5,269 |
| Average equity | $18,036,000 | 3,534 |
| Average total loans | $45,527,500 | 5,901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 2,222 |
| Cost of funding earning assets | 1.7705% | 4,905 |
| Net interest margin | 4.2195% | 1,921 |
| Noninterest income to average assets | 0.5112% | 4,348 |
| Noninterest expense to average assets | 2.3069% | 6,741 |
| Loan and lease loss provision to assets | 0.2685% | 4,436 |
| Net operating income to assets | 1.6152% | 659 |
| Return on assets (ROA) | 1.6303% | 709 |
| Pretax return on assets | 1.8537% | 768 |
| Return on Equity (ROE) | 8.4738% | 2,583 |
| Retained earnings to average equity (ytd only) | 3.5391% | 3,331 |
| Net charge-offs to loans | 0.7646% | 2,148 |
| Credit loss provision to net charge-offs | 71.8391% | 5,387 |
| Earnings coverage of net charge-offs (x) | 5.6322% | 2,795 |
| Efficiency ratio | 52.2882% | 7,493 |
| Assets per employee ($millions) | 3.6341% | 4,489 |
| Cash dividends to net income (ytd only)* | 58.2345% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,656 |
| Loan loss allowance to noncurrent loans | 128.0876% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 5,047 |
| Noncurrent loans to loans | 1.1042% | 5,007 |
| Net loans and leases to total assets | 47.4330% | 7,080 |
| Net loans and leases to deposits | 58.9075% | 6,968 |
| Net loans and leases to core deposits | 72.8274% | 6,851 |
| Total domestic deposits to total assets | 80.5211% | 5,269 |
| Equity capital to assets | 19.1127% | 450 |
| Core capital (leverage) ratio | 18.9920% | 421 |
| Tier 1 risk-based capital ratio | 30.1225% | 599 |
| Total risk-based capital ratio | 31.2122% | 591 |
| Memoranda: | ||
| Average total assets | $93,110,000 | 5,367 |
| Average earning assets | $86,076,330 | 5,333 |
| Average equity | $17,914,000 | 3,563 |
| Average total loans | $45,515,330 | 5,959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9885% | 2,406 |
| Cost of funding earning assets | 1.8218% | 5,014 |
| Net interest margin | 4.1667% | 2,028 |
| Noninterest income to average assets | 0.5410% | 3,987 |
| Noninterest expense to average assets | 2.3934% | 6,212 |
| Loan and lease loss provision to assets | 0.3246% | 3,375 |
| Net operating income to assets | 1.2551% | 1,492 |
| Return on assets (ROA) | 1.2551% | 1,592 |
| Pretax return on assets | 1.6836% | 1,210 |
| Return on Equity (ROE) | 6.5017% | 3,817 |
| Retained earnings to average equity (ytd only) | -3.4078% | 6,349 |
| Net charge-offs to loans | 1.1681% | 1,179 |
| Credit loss provision to net charge-offs | 56.3910% | 4,580 |
| Earnings coverage of net charge-offs (x) | 3.4887% | 3,163 |
| Efficiency ratio | 54.3756% | 7,182 |
| Assets per employee ($millions) | 3.4604% | 4,913 |
| Cash dividends to net income (ytd only)* | 152.4138% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4067% | 3,461 |
| Loan loss allowance to noncurrent loans | 109.4991% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.1345% | 4,406 |
| Noncurrent loans to loans | 1.2847% | 4,408 |
| Net loans and leases to total assets | 47.5607% | 7,058 |
| Net loans and leases to deposits | 59.2030% | 6,956 |
| Net loans and leases to core deposits | 70.5995% | 6,988 |
| Total domestic deposits to total assets | 80.3350% | 5,227 |
| Equity capital to assets | 19.1437% | 474 |
| Core capital (leverage) ratio | 18.9823% | 453 |
| Tier 1 risk-based capital ratio | 29.6067% | 644 |
| Total risk-based capital ratio | 30.6913% | 639 |
| Memoranda: | ||
| Average total assets | $92,421,500 | 5,408 |
| Average earning assets | $85,630,500 | 5,373 |
| Average equity | $17,841,500 | 3,587 |
| Average total loans | $45,542,500 | 5,982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5037% | 2,942 |
| Cost of funding earning assets | 2.3583% | 4,899 |
| Net interest margin | 4.1453% | 2,520 |
| Noninterest income to average assets | 0.5888% | 3,931 |
| Noninterest expense to average assets | 4.3628% | 979 |
| Loan and lease loss provision to assets | 0.7640% | 1,956 |
| Net operating income to assets | -0.7672% | 7,116 |
| Return on assets (ROA) | -0.7223% | 6,979 |
| Pretax return on assets | -0.6636% | 6,782 |
| Return on Equity (ROE) | -3.6988% | 6,707 |
| Retained earnings to average equity (ytd only) | -9.6956% | 7,048 |
| Net charge-offs to loans | 1.6476% | 680 |
| Credit loss provision to net charge-offs | 93.3420% | 5,589 |
| Earnings coverage of net charge-offs (x) | 0.0679% | 6,206 |
| Efficiency ratio | 98.7424% | 1,032 |
| Assets per employee ($millions) | 3.3857% | 4,977 |
| Cash dividends to net income (ytd only)* | -162.1302% | 8,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 2,666 |
| Loan loss allowance to noncurrent loans | 104.8485% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.0764% | 4,141 |
| Noncurrent loans to loans | 1.4343% | 3,653 |
| Net loans and leases to total assets | 49.5805% | 7,065 |
| Net loans and leases to deposits | 61.8373% | 6,958 |
| Net loans and leases to core deposits | 73.9207% | 6,970 |
| Total domestic deposits to total assets | 80.1790% | 4,951 |
| Equity capital to assets | 19.4688% | 500 |
| Core capital (leverage) ratio | 18.7890% | 530 |
| Tier 1 risk-based capital ratio | 29.6794% | 657 |
| Total risk-based capital ratio | 30.8558% | 643 |
| Memoranda: | ||
| Average total assets | $93,586,000 | 5,237 |
| Average earning assets | $86,458,800 | 5,208 |
| Average equity | $18,276,400 | 3,510 |
| Average total loans | $46,492,200 | 5,854 |