Home > Banner Capital Bank > Performance and Condition Ratios
Banner Capital Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2070% | 485 |
| Cost of funding earning assets | 1.7501% | 1,356 |
| Net interest margin | 4.4569% | 655 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.5161% | 2,251 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.7354% | 686 |
| Return on assets (ROA) | 1.7354% | 655 |
| Pretax return on assets | 1.7647% | 933 |
| Return on Equity (ROE) | 17.5400% | 886 |
| Retained earnings to average equity (ytd only) | 8.8655% | 1,287 |
| Net charge-offs to loans | 0.0144% | 2,116 |
| Credit loss provision to net charge-offs | 1,172.9730% | 360 |
| Earnings coverage of net charge-offs (x) | 164.7027% | 673 |
| Efficiency ratio | 56.1282% | 3,485 |
| Assets per employee ($millions) | 6.1157% | 2,719 |
| Cash dividends to net income (ytd only)* | 49.4610% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,437 |
| Loan loss allowance to noncurrent loans | 151.5023% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7470% | 693 |
| Noncurrent loans to loans | 0.7756% | 1,004 |
| Net loans and leases to total assets | 82.1800% | 412 |
| Net loans and leases to deposits | 93.5681% | 972 |
| Net loans and leases to core deposits | 111.3320% | 906 |
| Total domestic deposits to total assets | 87.8200% | 1,412 |
| Equity capital to assets | 10.0518% | 1,977 |
| Core capital (leverage) ratio | 10.4418% | 2,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0020% | 2,586 |
| Memoranda: | ||
| Average total assets | $320,737,600 | 2,319 |
| Average earning assets | $296,213,400 | 2,329 |
| Average equity | $31,729,600 | 2,191 |
| Average total loans | $256,448,000 | 1,972 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9253% | 582 |
| Cost of funding earning assets | 1.6150% | 1,345 |
| Net interest margin | 4.3103% | 796 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.5342% | 2,123 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.6434% | 872 |
| Return on assets (ROA) | 1.6434% | 864 |
| Pretax return on assets | 1.6731% | 1,211 |
| Return on Equity (ROE) | 16.6800% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.3399% | 1,594 |
| Net charge-offs to loans | 0.0042% | 2,336 |
| Credit loss provision to net charge-offs | 3,737.5000% | 133 |
| Earnings coverage of net charge-offs (x) | 536.7500% | 291 |
| Efficiency ratio | 57.6124% | 3,255 |
| Assets per employee ($millions) | 6.3064% | 2,491 |
| Cash dividends to net income (ytd only)* | 44.0112% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,509 |
| Loan loss allowance to noncurrent loans | 69.7586% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3911% | 287 |
| Noncurrent loans to loans | 1.6791% | 403 |
| Net loans and leases to total assets | 81.8700% | 446 |
| Net loans and leases to deposits | 92.4454% | 1,017 |
| Net loans and leases to core deposits | 110.5083% | 856 |
| Total domestic deposits to total assets | 88.5600% | 1,390 |
| Equity capital to assets | 9.8814% | 1,895 |
| Core capital (leverage) ratio | 10.6685% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1436% | 2,574 |
| Memoranda: | ||
| Average total assets | $318,359,750 | 2,329 |
| Average earning assets | $295,473,250 | 2,330 |
| Average equity | $31,363,000 | 2,196 |
| Average total loans | $251,907,500 | 1,989 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6982% | 636 |
| Cost of funding earning assets | 1.4154% | 1,406 |
| Net interest margin | 4.2828% | 828 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.4988% | 2,210 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.6970% | 786 |
| Return on assets (ROA) | 1.6970% | 787 |
| Pretax return on assets | 1.7266% | 1,156 |
| Return on Equity (ROE) | 17.2400% | 1,051 |
| Retained earnings to average equity (ytd only) | 8.9291% | 1,705 |
| Net charge-offs to loans | 0.0040% | 2,159 |
| Credit loss provision to net charge-offs | 3,560.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 583.4000% | 253 |
| Efficiency ratio | 56.7214% | 3,335 |
| Assets per employee ($millions) | 6.3441% | 2,435 |
| Cash dividends to net income (ytd only)* | 48.2169% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,579 |
| Loan loss allowance to noncurrent loans | 139.8045% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 775 |
| Noncurrent loans to loans | 0.8387% | 912 |
| Net loans and leases to total assets | 79.7900% | 656 |
| Net loans and leases to deposits | 95.7333% | 747 |
| Net loans and leases to core deposits | 114.1886% | 681 |
| Total domestic deposits to total assets | 83.3500% | 2,973 |
| Equity capital to assets | 9.9367% | 1,894 |
| Core capital (leverage) ratio | 11.3221% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4611% | 2,474 |
| Memoranda: | ||
| Average total assets | $317,271,333 | 2,345 |
| Average earning assets | $294,619,667 | 2,344 |
| Average equity | $31,223,667 | 2,211 |
| Average total loans | $247,060,333 | 2,012 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6338% | 499 |
| Cost of funding earning assets | 1.4429% | 952 |
| Net interest margin | 4.1910% | 959 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.6801% | 1,724 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.4926% | 1,200 |
| Return on assets (ROA) | 1.4926% | 1,180 |
| Pretax return on assets | 1.5319% | 1,598 |
| Return on Equity (ROE) | 17.1500% | 1,150 |
| Retained earnings to average equity (ytd only) | 10.9300% | 1,480 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1426% | 2,675 |
| Assets per employee ($millions) | 5.2838% | 3,433 |
| Cash dividends to net income (ytd only)* | 36.2637% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,116 |
| Loan loss allowance to noncurrent loans | 198.4674% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 961 |
| Noncurrent loans to loans | 0.6467% | 1,166 |
| Net loans and leases to total assets | 81.9600% | 379 |
| Net loans and leases to deposits | 91.8868% | 923 |
| Net loans and leases to core deposits | 108.0494% | 754 |
| Total domestic deposits to total assets | 89.2000% | 1,471 |
| Equity capital to assets | 8.9260% | 2,571 |
| Core capital (leverage) ratio | 10.0934% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0077% | 2,729 |
| Memoranda: | ||
| Average total assets | $243,875,000 | 2,760 |
| Average earning assets | $229,541,500 | 2,738 |
| Average equity | $21,226,000 | 2,778 |
| Average total loans | $201,513,500 | 2,299 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 301 |
| Cost of funding earning assets | 0.7489% | 475 |
| Net interest margin | 4.2458% | 473 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.5813% | 1,880 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5971% | 697 |
| Return on assets (ROA) | 1.5971% | 663 |
| Pretax return on assets | 1.6343% | 1,073 |
| Return on Equity (ROE) | 17.6700% | 755 |
| Retained earnings to average equity (ytd only) | 3.3201% | 3,620 |
| Net charge-offs to loans | 0.0279% | 1,504 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 71.5273% | 1,147 |
| Efficiency ratio | 60.3469% | 3,007 |
| Assets per employee ($millions) | 5.3195% | 3,398 |
| Cash dividends to net income (ytd only)* | 81.2149% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,101 |
| Loan loss allowance to noncurrent loans | 191.4653% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 872 |
| Noncurrent loans to loans | 0.6580% | 1,132 |
| Net loans and leases to total assets | 81.2000% | 480 |
| Net loans and leases to deposits | 90.5279% | 1,012 |
| Net loans and leases to core deposits | 105.4983% | 764 |
| Total domestic deposits to total assets | 89.6900% | 1,490 |
| Equity capital to assets | 8.4828% | 2,717 |
| Core capital (leverage) ratio | 9.7575% | 2,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6447% | 2,830 |
| Memoranda: | ||
| Average total assets | $233,988,000 | 2,828 |
| Average earning assets | $221,654,000 | 2,791 |
| Average equity | $21,144,200 | 2,846 |
| Average total loans | $197,075,800 | 2,248 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 274 |
| Cost of funding earning assets | 0.5677% | 527 |
| Net interest margin | 4.2521% | 370 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.6117% | 1,688 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5961% | 662 |
| Return on assets (ROA) | 1.5961% | 642 |
| Pretax return on assets | 1.6324% | 1,045 |
| Return on Equity (ROE) | 17.3800% | 730 |
| Retained earnings to average equity (ytd only) | -1.4500% | 4,456 |
| Net charge-offs to loans | 0.0347% | 1,167 |
| Credit loss provision to net charge-offs | 98.0392% | 1,345 |
| Earnings coverage of net charge-offs (x) | 56.5098% | 1,214 |
| Efficiency ratio | 60.8930% | 2,998 |
| Assets per employee ($millions) | 5.7288% | 3,009 |
| Cash dividends to net income (ytd only)* | 108.3424% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,396 |
| Loan loss allowance to noncurrent loans | 176.1905% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 832 |
| Noncurrent loans to loans | 0.6953% | 1,172 |
| Net loans and leases to total assets | 85.1000% | 177 |
| Net loans and leases to deposits | 97.1721% | 489 |
| Net loans and leases to core deposits | 112.5860% | 398 |
| Total domestic deposits to total assets | 87.5800% | 2,565 |
| Equity capital to assets | 8.3481% | 2,644 |
| Core capital (leverage) ratio | 9.6459% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2145% | 3,006 |
| Memoranda: | ||
| Average total assets | $231,311,250 | 2,854 |
| Average earning assets | $219,838,000 | 2,824 |
| Average equity | $21,241,000 | 2,874 |
| Average total loans | $196,039,500 | 2,259 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 317 |
| Cost of funding earning assets | 0.4836% | 575 |
| Net interest margin | 4.1045% | 390 |
| Noninterest income to average assets | 0.2416% | 3,724 |
| Noninterest expense to average assets | 2.6282% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4879% | 736 |
| Return on assets (ROA) | 1.4879% | 715 |
| Pretax return on assets | 1.5227% | 1,118 |
| Return on Equity (ROE) | 15.7170% | 753 |
| Retained earnings to average equity (ytd only) | -11.8245% | 4,685 |
| Net charge-offs to loans | 0.0557% | 830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 32.4444% | 1,359 |
| Efficiency ratio | 63.0653% | 2,909 |
| Assets per employee ($millions) | 5.2198% | 3,496 |
| Cash dividends to net income (ytd only)* | 175.2336% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 2,628 |
| Loan loss allowance to noncurrent loans | 103.8527% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 444 |
| Noncurrent loans to loans | 1.1668% | 690 |
| Net loans and leases to total assets | 84.1996% | 181 |
| Net loans and leases to deposits | 93.7746% | 529 |
| Net loans and leases to core deposits | 108.4606% | 382 |
| Total domestic deposits to total assets | 89.7894% | 1,802 |
| Equity capital to assets | 8.3110% | 2,898 |
| Core capital (leverage) ratio | 9.4112% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8040% | 3,039 |
| Memoranda: | ||
| Average total assets | $230,121,333 | 2,887 |
| Average earning assets | $219,176,333 | 2,853 |
| Average equity | $21,785,333 | 2,918 |
| Average total loans | $193,932,000 | 2,272 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 297 |
| Cost of funding earning assets | 0.4807% | 548 |
| Net interest margin | 4.0444% | 384 |
| Noninterest income to average assets | 0.2494% | 3,653 |
| Noninterest expense to average assets | 2.5064% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5720% | 552 |
| Return on assets (ROA) | 1.5720% | 543 |
| Pretax return on assets | 1.6001% | 826 |
| Return on Equity (ROE) | 15.6216% | 569 |
| Retained earnings to average equity (ytd only) | 15.6216% | 253 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7784% | 3,402 |
| Assets per employee ($millions) | 4.9498% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,261 |
| Loan loss allowance to noncurrent loans | 102.2680% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 426 |
| Noncurrent loans to loans | 1.2907% | 677 |
| Net loans and leases to total assets | 81.4257% | 182 |
| Net loans and leases to deposits | 92.3490% | 418 |
| Net loans and leases to core deposits | 108.3881% | 294 |
| Total domestic deposits to total assets | 88.1717% | 2,446 |
| Equity capital to assets | 9.9415% | 1,939 |
| Core capital (leverage) ratio | 10.2624% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4830% | 2,779 |
| Memoranda: | ||
| Average total assets | $227,735,500 | 2,913 |
| Average earning assets | $217,191,000 | 2,881 |
| Average equity | $22,917,000 | 2,911 |
| Average total loans | $190,795,500 | 2,294 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 157 |
| Cost of funding earning assets | 0.6765% | 358 |
| Net interest margin | 4.6723% | 212 |
| Noninterest income to average assets | 0.2763% | 3,738 |
| Noninterest expense to average assets | 2.8091% | 1,339 |
| Loan and lease loss provision to assets | 0.0888% | 1,394 |
| Net operating income to assets | 1.7825% | 526 |
| Return on assets (ROA) | 1.8160% | 513 |
| Pretax return on assets | 1.8388% | 838 |
| Return on Equity (ROE) | 18.3513% | 435 |
| Retained earnings to average equity (ytd only) | 12.6822% | 441 |
| Net charge-offs to loans | 0.0090% | 2,241 |
| Credit loss provision to net charge-offs | 1,170.5882% | 478 |
| Earnings coverage of net charge-offs (x) | 249.5882% | 462 |
| Efficiency ratio | 59.4477% | 3,233 |
| Assets per employee ($millions) | 5.0618% | 3,677 |
| Cash dividends to net income (ytd only)* | 30.8921% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,451 |
| Loan loss allowance to noncurrent loans | 95.2015% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.1436% | 444 |
| Noncurrent loans to loans | 1.3448% | 696 |
| Net loans and leases to total assets | 83.9547% | 111 |
| Net loans and leases to deposits | 95.4890% | 334 |
| Net loans and leases to core deposits | 112.8252% | 243 |
| Total domestic deposits to total assets | 87.9208% | 2,089 |
| Equity capital to assets | 10.1844% | 2,484 |
| Core capital (leverage) ratio | 10.2437% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9670% | 2,899 |
| Memoranda: | ||
| Average total assets | $224,058,800 | 2,878 |
| Average earning assets | $212,273,000 | 2,856 |
| Average equity | $22,172,800 | 3,047 |
| Average total loans | $189,889,000 | 2,305 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 141 |
| Cost of funding earning assets | 0.7284% | 336 |
| Net interest margin | 4.8056% | 195 |
| Noninterest income to average assets | 0.2904% | 3,716 |
| Noninterest expense to average assets | 2.7481% | 1,463 |
| Loan and lease loss provision to assets | 0.1188% | 998 |
| Net operating income to assets | 1.9503% | 503 |
| Return on assets (ROA) | 1.9952% | 497 |
| Pretax return on assets | 2.0179% | 773 |
| Return on Equity (ROE) | 20.3130% | 406 |
| Retained earnings to average equity (ytd only) | 14.6857% | 440 |
| Net charge-offs to loans | 0.0113% | 1,910 |
| Credit loss provision to net charge-offs | 1,243.7500% | 463 |
| Earnings coverage of net charge-offs (x) | 218.7500% | 525 |
| Efficiency ratio | 56.4885% | 3,470 |
| Assets per employee ($millions) | 4.7957% | 3,893 |
| Cash dividends to net income (ytd only)* | 27.7029% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,408 |
| Loan loss allowance to noncurrent loans | 110.4139% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 641 |
| Noncurrent loans to loans | 1.1929% | 935 |
| Net loans and leases to total assets | 84.2644% | 110 |
| Net loans and leases to deposits | 97.1720% | 306 |
| Net loans and leases to core deposits | 115.9726% | 228 |
| Total domestic deposits to total assets | 86.7168% | 2,457 |
| Equity capital to assets | 10.3748% | 2,550 |
| Core capital (leverage) ratio | 10.0699% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3254% | 2,898 |
| Memoranda: | ||
| Average total assets | $223,128,500 | 2,919 |
| Average earning assets | $211,222,250 | 2,893 |
| Average equity | $21,916,500 | 3,100 |
| Average total loans | $188,933,250 | 2,348 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4741% | 759 |
| Cost of funding earning assets | 0.7832% | 311 |
| Net interest margin | 3.6908% | 1,375 |
| Noninterest income to average assets | 1.6154% | 476 |
| Noninterest expense to average assets | 2.7745% | 1,410 |
| Loan and lease loss provision to assets | 0.1500% | 792 |
| Net operating income to assets | 2.1780% | 354 |
| Return on assets (ROA) | 2.1780% | 374 |
| Pretax return on assets | 2.2003% | 573 |
| Return on Equity (ROE) | 22.5907% | 285 |
| Retained earnings to average equity (ytd only) | 17.4038% | 253 |
| Net charge-offs to loans | 0.0455% | 1,179 |
| Credit loss provision to net charge-offs | 390.6977% | 768 |
| Earnings coverage of net charge-offs (x) | 61.2093% | 961 |
| Efficiency ratio | 53.8596% | 3,822 |
| Assets per employee ($millions) | 5.3065% | 3,342 |
| Cash dividends to net income (ytd only)* | 22.9602% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,615 |
| Loan loss allowance to noncurrent loans | 104.9827% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 739 |
| Noncurrent loans to loans | 1.2036% | 998 |
| Net loans and leases to total assets | 82.9775% | 172 |
| Net loans and leases to deposits | 94.0740% | 460 |
| Net loans and leases to core deposits | 114.8659% | 278 |
| Total domestic deposits to total assets | 88.2045% | 1,719 |
| Equity capital to assets | 9.7918% | 3,067 |
| Core capital (leverage) ratio | 9.3747% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8432% | 2,986 |
| Memoranda: | ||
| Average total assets | $223,970,667 | 2,909 |
| Average earning assets | $212,961,333 | 2,881 |
| Average equity | $21,593,000 | 3,122 |
| Average total loans | $189,121,000 | 2,359 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 857 |
| Cost of funding earning assets | 0.7951% | 362 |
| Net interest margin | 3.6464% | 1,456 |
| Noninterest income to average assets | 2.0481% | 359 |
| Noninterest expense to average assets | 2.6809% | 1,668 |
| Loan and lease loss provision to assets | 0.1677% | 744 |
| Net operating income to assets | 2.6322% | 212 |
| Return on assets (ROA) | 2.6322% | 237 |
| Pretax return on assets | 2.6557% | 349 |
| Return on Equity (ROE) | 27.5238% | 190 |
| Retained earnings to average equity (ytd only) | 26.1099% | 116 |
| Net charge-offs to loans | 0.1086% | 642 |
| Credit loss provision to net charge-offs | 182.3529% | 917 |
| Earnings coverage of net charge-offs (x) | 30.7059% | 1,087 |
| Efficiency ratio | 48.4442% | 4,313 |
| Assets per employee ($millions) | 5.2691% | 3,368 |
| Cash dividends to net income (ytd only)* | 5.1370% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,700 |
| Loan loss allowance to noncurrent loans | 117.2932% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 1,027 |
| Noncurrent loans to loans | 1.0601% | 1,268 |
| Net loans and leases to total assets | 80.1627% | 328 |
| Net loans and leases to deposits | 90.4199% | 682 |
| Net loans and leases to core deposits | 110.2627% | 398 |
| Total domestic deposits to total assets | 88.6560% | 1,534 |
| Equity capital to assets | 9.4052% | 3,288 |
| Core capital (leverage) ratio | 9.8083% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9194% | 2,943 |
| Memoranda: | ||
| Average total assets | $221,866,000 | 2,913 |
| Average earning assets | $210,290,000 | 2,890 |
| Average equity | $21,218,000 | 3,139 |
| Average total loans | $187,801,000 | 2,370 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1154% | 398 |
| Cost of funding earning assets | 1.1928% | 287 |
| Net interest margin | 3.9226% | 1,155 |
| Noninterest income to average assets | 0.3848% | 3,178 |
| Noninterest expense to average assets | 2.8833% | 1,730 |
| Loan and lease loss provision to assets | 0.2893% | 1,310 |
| Net operating income to assets | 0.8851% | 2,763 |
| Return on assets (ROA) | 0.9575% | 2,594 |
| Pretax return on assets | 0.9848% | 3,089 |
| Return on Equity (ROE) | 9.6158% | 2,155 |
| Retained earnings to average equity (ytd only) | 6.0760% | 1,761 |
| Net charge-offs to loans | 0.0830% | 1,639 |
| Credit loss provision to net charge-offs | 399.3151% | 1,437 |
| Earnings coverage of net charge-offs (x) | 16.5274% | 2,124 |
| Efficiency ratio | 70.0718% | 1,937 |
| Assets per employee ($millions) | 4.8157% | 3,592 |
| Cash dividends to net income (ytd only)* | 36.8120% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,812 |
| Loan loss allowance to noncurrent loans | 116.5906% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 1,046 |
| Noncurrent loans to loans | 1.0517% | 1,353 |
| Net loans and leases to total assets | 87.3628% | 61 |
| Net loans and leases to deposits | 99.0280% | 413 |
| Net loans and leases to core deposits | 113.0419% | 432 |
| Total domestic deposits to total assets | 88.2204% | 1,367 |
| Equity capital to assets | 9.7366% | 3,377 |
| Core capital (leverage) ratio | 9.5250% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1671% | 3,067 |
| Memoranda: | ||
| Average total assets | $201,156,400 | 2,933 |
| Average earning assets | $189,643,000 | 2,914 |
| Average equity | $20,029,600 | 3,185 |
| Average total loans | $175,999,000 | 2,436 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 573 |
| Cost of funding earning assets | 1.2664% | 287 |
| Net interest margin | 3.7694% | 1,712 |
| Noninterest income to average assets | 0.4649% | 2,763 |
| Noninterest expense to average assets | 2.7657% | 2,070 |
| Loan and lease loss provision to assets | 0.3068% | 1,308 |
| Net operating income to assets | 0.9170% | 2,635 |
| Return on assets (ROA) | 0.9170% | 2,764 |
| Pretax return on assets | 0.9452% | 3,246 |
| Return on Equity (ROE) | 9.1550% | 2,335 |
| Retained earnings to average equity (ytd only) | 4.8022% | 2,650 |
| Net charge-offs to loans | 0.0123% | 2,669 |
| Credit loss provision to net charge-offs | 2,856.2500% | 361 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 709 |
| Efficiency ratio | 68.2160% | 2,157 |
| Assets per employee ($millions) | 4.7947% | 3,491 |
| Cash dividends to net income (ytd only)* | 47.5458% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,548 |
| Loan loss allowance to noncurrent loans | 86.7370% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2883% | 739 |
| Noncurrent loans to loans | 1.4090% | 1,028 |
| Net loans and leases to total assets | 88.1916% | 74 |
| Net loans and leases to deposits | 108.3371% | 262 |
| Net loans and leases to core deposits | 118.1908% | 452 |
| Total domestic deposits to total assets | 81.4048% | 3,564 |
| Equity capital to assets | 9.6346% | 3,567 |
| Core capital (leverage) ratio | 9.4286% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1097% | 3,081 |
| Memoranda: | ||
| Average total assets | $198,472,750 | 2,938 |
| Average earning assets | $187,083,000 | 2,916 |
| Average equity | $19,879,250 | 3,193 |
| Average total loans | $173,145,750 | 2,459 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 659 |
| Cost of funding earning assets | 1.3548% | 281 |
| Net interest margin | 3.7702% | 1,918 |
| Noninterest income to average assets | 0.6042% | 2,113 |
| Noninterest expense to average assets | 2.8759% | 1,894 |
| Loan and lease loss provision to assets | 0.3530% | 1,195 |
| Net operating income to assets | 0.8945% | 2,707 |
| Return on assets (ROA) | 0.8945% | 2,828 |
| Pretax return on assets | 0.9243% | 3,247 |
| Return on Equity (ROE) | 8.8088% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.9467% | 2,503 |
| Net charge-offs to loans | 0.0143% | 2,465 |
| Credit loss provision to net charge-offs | 2,858.3333% | 374 |
| Earnings coverage of net charge-offs (x) | 103.4167% | 688 |
| Efficiency ratio | 68.6493% | 2,149 |
| Assets per employee ($millions) | 4.9006% | 3,299 |
| Cash dividends to net income (ytd only)* | 43.8435% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2257% | 2,380 |
| Loan loss allowance to noncurrent loans | 74.7613% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4951% | 623 |
| Noncurrent loans to loans | 1.6395% | 896 |
| Net loans and leases to total assets | 87.9134% | 63 |
| Net loans and leases to deposits | 105.5904% | 325 |
| Net loans and leases to core deposits | 115.9040% | 536 |
| Total domestic deposits to total assets | 83.2589% | 3,010 |
| Equity capital to assets | 10.0022% | 3,206 |
| Core capital (leverage) ratio | 9.6449% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2905% | 3,124 |
| Memoranda: | ||
| Average total assets | $194,307,667 | 2,952 |
| Average earning assets | $182,907,000 | 2,929 |
| Average equity | $19,730,333 | 3,202 |
| Average total loans | $168,075,000 | 2,486 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2915% | 559 |
| Cost of funding earning assets | 1.4304% | 345 |
| Net interest margin | 3.8611% | 1,795 |
| Noninterest income to average assets | 0.1969% | 4,369 |
| Noninterest expense to average assets | 2.8503% | 2,277 |
| Loan and lease loss provision to assets | 0.1592% | 1,816 |
| Net operating income to assets | 0.7812% | 2,971 |
| Return on assets (ROA) | 0.7812% | 3,053 |
| Pretax return on assets | 0.8168% | 3,370 |
| Return on Equity (ROE) | 7.6329% | 2,664 |
| Retained earnings to average equity (ytd only) | 3.7448% | 2,784 |
| Net charge-offs to loans | 0.0787% | 1,237 |
| Credit loss provision to net charge-offs | 237.5000% | 1,320 |
| Earnings coverage of net charge-offs (x) | 14.5625% | 1,593 |
| Efficiency ratio | 73.8369% | 1,841 |
| Assets per employee ($millions) | 4.4859% | 3,276 |
| Cash dividends to net income (ytd only)* | 50.9383% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,932 |
| Loan loss allowance to noncurrent loans | 75.4455% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 825 |
| Noncurrent loans to loans | 1.5244% | 1,047 |
| Net loans and leases to total assets | 84.8828% | 209 |
| Net loans and leases to deposits | 102.5241% | 430 |
| Net loans and leases to core deposits | 113.8806% | 668 |
| Total domestic deposits to total assets | 82.7931% | 3,175 |
| Equity capital to assets | 10.2155% | 3,590 |
| Core capital (leverage) ratio | 9.7473% | 3,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2663% | 3,282 |
| Memoranda: | ||
| Average total assets | $190,999,000 | 2,944 |
| Average earning assets | $179,533,500 | 2,923 |
| Average equity | $19,547,000 | 3,211 |
| Average total loans | $162,696,500 | 2,520 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5209% | 543 |
| Cost of funding earning assets | 1.4169% | 526 |
| Net interest margin | 4.1039% | 1,531 |
| Noninterest income to average assets | 0.2750% | 4,036 |
| Noninterest expense to average assets | 3.1401% | 1,667 |
| Loan and lease loss provision to assets | 0.1218% | 1,738 |
| Net operating income to assets | 0.8218% | 3,478 |
| Return on assets (ROA) | 0.8158% | 3,600 |
| Pretax return on assets | 0.8402% | 3,900 |
| Return on Equity (ROE) | 7.4410% | 3,393 |
| Retained earnings to average equity (ytd only) | 0.4777% | 4,551 |
| Net charge-offs to loans | 0.0443% | 2,500 |
| Credit loss provision to net charge-offs | 324.2424% | 858 |
| Earnings coverage of net charge-offs (x) | 25.7727% | 1,719 |
| Efficiency ratio | 75.5023% | 1,422 |
| Assets per employee ($millions) | 4.3978% | 3,374 |
| Cash dividends to net income (ytd only)* | 93.5799% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,617 |
| Loan loss allowance to noncurrent loans | 74.2026% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4267% | 731 |
| Noncurrent loans to loans | 1.5699% | 899 |
| Net loans and leases to total assets | 83.4954% | 370 |
| Net loans and leases to deposits | 99.1379% | 656 |
| Net loans and leases to core deposits | 109.7858% | 866 |
| Total domestic deposits to total assets | 84.2215% | 2,780 |
| Equity capital to assets | 10.2530% | 3,673 |
| Core capital (leverage) ratio | 9.8789% | 3,643 |
| Tier 1 risk-based capital ratio | 10.6139% | 4,984 |
| Total risk-based capital ratio | 11.6754% | 4,975 |
| Memoranda: | ||
| Average total assets | $175,664,400 | 3,058 |
| Average earning assets | $164,086,800 | 3,048 |
| Average equity | $19,258,200 | 3,200 |
| Average total loans | $149,110,400 | 2,631 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4915% | 591 |
| Cost of funding earning assets | 1.3716% | 639 |
| Net interest margin | 4.1199% | 1,574 |
| Noninterest income to average assets | 0.2747% | 4,104 |
| Noninterest expense to average assets | 3.1478% | 1,586 |
| Loan and lease loss provision to assets | 0.1199% | 1,634 |
| Net operating income to assets | 0.8272% | 3,587 |
| Return on assets (ROA) | 0.8272% | 3,670 |
| Pretax return on assets | 0.8512% | 4,005 |
| Return on Equity (ROE) | 7.4136% | 3,545 |
| Retained earnings to average equity (ytd only) | 0.3675% | 4,694 |
| Net charge-offs to loans | -0.0046% | 4,183 |
| Credit loss provision to net charge-offs | -3,100.0000% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4086% | 1,399 |
| Assets per employee ($millions) | 4.3978% | 3,342 |
| Cash dividends to net income (ytd only)* | 95.0417% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,528 |
| Loan loss allowance to noncurrent loans | 71.9831% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.1554% | 380 |
| Noncurrent loans to loans | 1.6626% | 882 |
| Net loans and leases to total assets | 81.7669% | 594 |
| Net loans and leases to deposits | 97.7736% | 844 |
| Net loans and leases to core deposits | 107.4956% | 1,083 |
| Total domestic deposits to total assets | 83.6288% | 2,959 |
| Equity capital to assets | 10.2207% | 3,802 |
| Core capital (leverage) ratio | 10.3247% | 3,285 |
| Tier 1 risk-based capital ratio | 10.7021% | 5,018 |
| Total risk-based capital ratio | 11.7823% | 4,996 |
| Memoranda: | ||
| Average total assets | $172,304,250 | 3,119 |
| Average earning assets | $160,777,250 | 3,107 |
| Average equity | $19,225,500 | 3,222 |
| Average total loans | $146,449,250 | 2,680 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4756% | 591 |
| Cost of funding earning assets | 1.2961% | 749 |
| Net interest margin | 4.1795% | 1,408 |
| Noninterest income to average assets | 0.2975% | 3,949 |
| Noninterest expense to average assets | 3.1925% | 1,528 |
| Loan and lease loss provision to assets | 0.1152% | 1,626 |
| Net operating income to assets | 0.8734% | 3,391 |
| Return on assets (ROA) | 0.8734% | 3,456 |
| Pretax return on assets | 0.8974% | 3,853 |
| Return on Equity (ROE) | 7.5868% | 3,460 |
| Retained earnings to average equity (ytd only) | 0.4377% | 4,581 |
| Net charge-offs to loans | -0.0084% | 4,268 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8930% | 1,527 |
| Assets per employee ($millions) | 4.0975% | 3,733 |
| Cash dividends to net income (ytd only)* | 94.2308% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 2,426 |
| Loan loss allowance to noncurrent loans | 36.6223% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.0431% | 194 |
| Noncurrent loans to loans | 3.3268% | 276 |
| Net loans and leases to total assets | 85.5093% | 253 |
| Net loans and leases to deposits | 106.0552% | 339 |
| Net loans and leases to core deposits | 115.2597% | 718 |
| Total domestic deposits to total assets | 80.6272% | 3,911 |
| Equity capital to assets | 11.2169% | 2,840 |
| Core capital (leverage) ratio | 10.9519% | 2,640 |
| Tier 1 risk-based capital ratio | 11.2636% | 4,802 |
| Total risk-based capital ratio | 12.3671% | 4,767 |
| Memoranda: | ||
| Average total assets | $166,703,330 | 3,186 |
| Average earning assets | $155,854,670 | 3,172 |
| Average equity | $19,191,330 | 3,233 |
| Average total loans | $143,099,000 | 2,729 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 687 |
| Cost of funding earning assets | 1.2265% | 833 |
| Net interest margin | 4.1311% | 1,478 |
| Noninterest income to average assets | 0.2805% | 4,007 |
| Noninterest expense to average assets | 2.9560% | 2,118 |
| Loan and lease loss provision to assets | 0.1122% | 1,583 |
| Net operating income to assets | 1.0536% | 2,647 |
| Return on assets (ROA) | 1.0536% | 2,689 |
| Pretax return on assets | 1.0731% | 3,227 |
| Return on Equity (ROE) | 9.0306% | 2,797 |
| Retained earnings to average equity (ytd only) | 2.0486% | 4,050 |
| Net charge-offs to loans | -0.0057% | 4,062 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3180% | 2,289 |
| Assets per employee ($millions) | 3.8383% | 4,137 |
| Cash dividends to net income (ytd only)* | 77.3148% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,265 |
| Loan loss allowance to noncurrent loans | 65.9551% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 571 |
| Noncurrent loans to loans | 1.9130% | 793 |
| Net loans and leases to total assets | 83.4973% | 422 |
| Net loans and leases to deposits | 100.2444% | 614 |
| Net loans and leases to core deposits | 107.1835% | 1,090 |
| Total domestic deposits to total assets | 83.2937% | 3,285 |
| Equity capital to assets | 11.6574% | 2,264 |
| Core capital (leverage) ratio | 11.3987% | 2,215 |
| Tier 1 risk-based capital ratio | 11.9986% | 4,460 |
| Total risk-based capital ratio | 13.1368% | 4,430 |
| Memoranda: | ||
| Average total assets | $164,006,500 | 3,253 |
| Average earning assets | $153,277,000 | 3,232 |
| Average equity | $19,135,000 | 3,250 |
| Average total loans | $140,161,500 | 2,797 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 598 |
| Cost of funding earning assets | 1.0379% | 648 |
| Net interest margin | 4.2469% | 1,286 |
| Noninterest income to average assets | 0.2661% | 4,334 |
| Noninterest expense to average assets | 3.1489% | 1,680 |
| Loan and lease loss provision to assets | 0.2746% | 612 |
| Net operating income to assets | 0.7848% | 3,856 |
| Return on assets (ROA) | 0.7848% | 3,858 |
| Pretax return on assets | 0.8128% | 4,137 |
| Return on Equity (ROE) | 6.8197% | 3,889 |
| Retained earnings to average equity (ytd only) | 1.3682% | 4,588 |
| Net charge-offs to loans | 0.2602% | 741 |
| Credit loss provision to net charge-offs | 124.6537% | 2,105 |
| Earnings coverage of net charge-offs (x) | 4.9363% | 3,245 |
| Efficiency ratio | 72.9329% | 1,777 |
| Assets per employee ($millions) | 3.7899% | 4,195 |
| Cash dividends to net income (ytd only)* | 79.9378% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,487 |
| Loan loss allowance to noncurrent loans | 101.0024% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 1,247 |
| Noncurrent loans to loans | 1.2049% | 1,330 |
| Net loans and leases to total assets | 85.3179% | 286 |
| Net loans and leases to deposits | 102.1272% | 582 |
| Net loans and leases to core deposits | 108.4877% | 1,088 |
| Total domestic deposits to total assets | 83.5408% | 3,145 |
| Equity capital to assets | 11.6772% | 2,114 |
| Core capital (leverage) ratio | 11.5042% | 2,099 |
| Tier 1 risk-based capital ratio | 12.1417% | 4,330 |
| Total risk-based capital ratio | 13.2691% | 4,307 |
| Memoranda: | ||
| Average total assets | $163,868,800 | 3,227 |
| Average earning assets | $153,193,800 | 3,205 |
| Average equity | $18,857,000 | 3,194 |
| Average total loans | $138,754,600 | 2,782 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 598 |
| Cost of funding earning assets | 0.9880% | 626 |
| Net interest margin | 4.2376% | 1,268 |
| Noninterest income to average assets | 0.2779% | 4,292 |
| Noninterest expense to average assets | 3.2379% | 1,442 |
| Loan and lease loss provision to assets | 0.3656% | 361 |
| Net operating income to assets | 0.6118% | 4,471 |
| Return on assets (ROA) | 0.6118% | 4,478 |
| Pretax return on assets | 0.6403% | 4,658 |
| Return on Equity (ROE) | 5.3364% | 4,469 |
| Retained earnings to average equity (ytd only) | 0.5669% | 4,940 |
| Net charge-offs to loans | 0.3491% | 467 |
| Credit loss provision to net charge-offs | 124.3094% | 1,944 |
| Earnings coverage of net charge-offs (x) | 3.4199% | 3,162 |
| Efficiency ratio | 74.8038% | 1,479 |
| Assets per employee ($millions) | 3.7755% | 4,209 |
| Cash dividends to net income (ytd only)* | 89.3762% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,375 |
| Loan loss allowance to noncurrent loans | 102.5150% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 1,352 |
| Noncurrent loans to loans | 1.2175% | 1,383 |
| Net loans and leases to total assets | 83.4362% | 523 |
| Net loans and leases to deposits | 99.8158% | 803 |
| Net loans and leases to core deposits | 105.8043% | 1,326 |
| Total domestic deposits to total assets | 83.5902% | 3,088 |
| Equity capital to assets | 11.5351% | 2,240 |
| Core capital (leverage) ratio | 11.2328% | 2,389 |
| Tier 1 risk-based capital ratio | 12.1169% | 4,435 |
| Total risk-based capital ratio | 13.2535% | 4,385 |
| Memoranda: | ||
| Average total assets | $164,094,250 | 3,258 |
| Average earning assets | $153,573,000 | 3,230 |
| Average equity | $18,813,750 | 3,222 |
| Average total loans | $138,255,000 | 2,813 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 621 |
| Cost of funding earning assets | 0.9365% | 620 |
| Net interest margin | 4.1967% | 1,297 |
| Noninterest income to average assets | 0.3121% | 4,086 |
| Noninterest expense to average assets | 3.3217% | 1,268 |
| Loan and lease loss provision to assets | 0.2247% | 725 |
| Net operating income to assets | 0.6619% | 4,315 |
| Return on assets (ROA) | 0.6619% | 4,317 |
| Pretax return on assets | 0.6898% | 4,540 |
| Return on Equity (ROE) | 5.7847% | 4,314 |
| Retained earnings to average equity (ytd only) | 2.3564% | 4,336 |
| Net charge-offs to loans | 0.5209% | 285 |
| Credit loss provision to net charge-offs | 51.2465% | 2,487 |
| Earnings coverage of net charge-offs (x) | 2.0859% | 2,999 |
| Efficiency ratio | 76.9209% | 1,325 |
| Assets per employee ($millions) | 4.0698% | 3,782 |
| Cash dividends to net income (ytd only)* | 59.2661% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,643 |
| Loan loss allowance to noncurrent loans | 79.6918% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 1,258 |
| Noncurrent loans to loans | 1.2931% | 1,321 |
| Net loans and leases to total assets | 85.4249% | 310 |
| Net loans and leases to deposits | 103.7342% | 541 |
| Net loans and leases to core deposits | 110.2003% | 987 |
| Total domestic deposits to total assets | 82.3498% | 3,614 |
| Equity capital to assets | 11.6241% | 2,108 |
| Core capital (leverage) ratio | 11.3559% | 2,201 |
| Tier 1 risk-based capital ratio | 12.3244% | 4,293 |
| Total risk-based capital ratio | 13.2959% | 4,342 |
| Memoranda: | ||
| Average total assets | $164,676,330 | 3,269 |
| Average earning assets | $153,976,330 | 3,240 |
| Average equity | $18,842,670 | 3,237 |
| Average total loans | $138,617,000 | 2,810 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0150% | 677 |
| Cost of funding earning assets | 0.9356% | 498 |
| Net interest margin | 4.0794% | 1,492 |
| Noninterest income to average assets | 0.2536% | 4,491 |
| Noninterest expense to average assets | 2.8692% | 2,469 |
| Loan and lease loss provision to assets | 0.3381% | 365 |
| Net operating income to assets | 0.8187% | 3,633 |
| Return on assets (ROA) | 0.8187% | 3,645 |
| Pretax return on assets | 0.8477% | 4,023 |
| Return on Equity (ROE) | 7.2118% | 3,697 |
| Retained earnings to average equity (ytd only) | 0.9786% | 4,636 |
| Net charge-offs to loans | 1.0489% | 133 |
| Credit loss provision to net charge-offs | 38.7812% | 2,023 |
| Earnings coverage of net charge-offs (x) | 1.3601% | 2,567 |
| Efficiency ratio | 69.2079% | 2,630 |
| Assets per employee ($millions) | 3.7782% | 4,315 |
| Cash dividends to net income (ytd only)* | 86.4307% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,745 |
| Loan loss allowance to noncurrent loans | 146.7573% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 2,438 |
| Noncurrent loans to loans | 0.7068% | 2,445 |
| Net loans and leases to total assets | 82.3939% | 615 |
| Net loans and leases to deposits | 97.0337% | 936 |
| Net loans and leases to core deposits | 107.1215% | 1,172 |
| Total domestic deposits to total assets | 84.9127% | 2,963 |
| Equity capital to assets | 11.5529% | 2,089 |
| Core capital (leverage) ratio | 10.9158% | 2,528 |
| Tier 1 risk-based capital ratio | 12.5728% | 4,196 |
| Total risk-based capital ratio | 13.5439% | 4,275 |
| Memoranda: | ||
| Average total assets | $165,619,000 | 3,301 |
| Average earning assets | $154,336,500 | 3,274 |
| Average equity | $18,802,500 | 3,271 |
| Average total loans | $137,669,500 | 2,845 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2104% | 438 |
| Cost of funding earning assets | 0.9220% | 336 |
| Net interest margin | 4.2885% | 985 |
| Noninterest income to average assets | 0.1923% | 4,993 |
| Noninterest expense to average assets | 2.7164% | 3,075 |
| Loan and lease loss provision to assets | 0.2077% | 970 |
| Net operating income to assets | 1.3086% | 1,206 |
| Return on assets (ROA) | 1.3086% | 1,221 |
| Pretax return on assets | 1.3440% | 2,198 |
| Return on Equity (ROE) | 12.0297% | 1,206 |
| Retained earnings to average equity (ytd only) | 7.6733% | 868 |
| Net charge-offs to loans | 0.1787% | 1,395 |
| Credit loss provision to net charge-offs | 132.3529% | 1,995 |
| Earnings coverage of net charge-offs (x) | 9.8873% | 2,735 |
| Efficiency ratio | 63.4102% | 3,694 |
| Assets per employee ($millions) | 4.4402% | 3,289 |
| Cash dividends to net income (ytd only)* | 36.2140% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,461 |
| Loan loss allowance to noncurrent loans | 372.6563% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 3,527 |
| Noncurrent loans to loans | 0.3358% | 3,560 |
| Net loans and leases to total assets | 84.7716% | 369 |
| Net loans and leases to deposits | 103.5840% | 512 |
| Net loans and leases to core deposits | 115.7252% | 728 |
| Total domestic deposits to total assets | 81.8385% | 3,905 |
| Equity capital to assets | 11.0551% | 2,576 |
| Core capital (leverage) ratio | 11.0090% | 2,327 |
| Tier 1 risk-based capital ratio | 12.0631% | 4,485 |
| Total risk-based capital ratio | 13.2745% | 4,393 |
| Memoranda: | ||
| Average total assets | $129,987,800 | 3,748 |
| Average earning assets | $123,540,200 | 3,694 |
| Average equity | $14,140,000 | 3,827 |
| Average total loans | $114,146,800 | 3,126 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 421 |
| Cost of funding earning assets | 0.8995% | 344 |
| Net interest margin | 4.2923% | 942 |
| Noninterest income to average assets | 0.1961% | 5,027 |
| Noninterest expense to average assets | 2.7124% | 3,019 |
| Loan and lease loss provision to assets | 0.2477% | 697 |
| Net operating income to assets | 1.2829% | 1,399 |
| Return on assets (ROA) | 1.2829% | 1,423 |
| Pretax return on assets | 1.3190% | 2,398 |
| Return on Equity (ROE) | 11.8433% | 1,383 |
| Retained earnings to average equity (ytd only) | 7.6701% | 1,359 |
| Net charge-offs to loans | 0.1788% | 1,180 |
| Credit loss provision to net charge-offs | 156.8627% | 1,629 |
| Earnings coverage of net charge-offs (x) | 9.9218% | 2,649 |
| Efficiency ratio | 63.1452% | 3,687 |
| Assets per employee ($millions) | 4.3055% | 3,460 |
| Cash dividends to net income (ytd only)* | 35.2376% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,593 |
| Loan loss allowance to noncurrent loans | 418.4438% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 3,995 |
| Noncurrent loans to loans | 0.3006% | 3,864 |
| Net loans and leases to total assets | 88.2336% | 143 |
| Net loans and leases to deposits | 110.4579% | 262 |
| Net loans and leases to core deposits | 124.0082% | 465 |
| Total domestic deposits to total assets | 79.8798% | 4,337 |
| Equity capital to assets | 11.2307% | 2,640 |
| Core capital (leverage) ratio | 10.7892% | 2,653 |
| Tier 1 risk-based capital ratio | 11.6018% | 4,880 |
| Total risk-based capital ratio | 12.8080% | 4,808 |
| Memoranda: | ||
| Average total assets | $129,183,500 | 3,799 |
| Average earning assets | $122,883,500 | 3,735 |
| Average equity | $13,993,500 | 3,884 |
| Average total loans | $114,095,750 | 3,162 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0918% | 480 |
| Cost of funding earning assets | 0.8589% | 387 |
| Net interest margin | 4.2328% | 1,007 |
| Noninterest income to average assets | 0.1935% | 5,081 |
| Noninterest expense to average assets | 2.6736% | 3,184 |
| Loan and lease loss provision to assets | 0.3251% | 457 |
| Net operating income to assets | 1.1797% | 1,668 |
| Return on assets (ROA) | 1.1797% | 1,700 |
| Pretax return on assets | 1.2153% | 2,722 |
| Return on Equity (ROE) | 11.0254% | 1,632 |
| Retained earnings to average equity (ytd only) | 4.6880% | 2,918 |
| Net charge-offs to loans | 0.2640% | 775 |
| Credit loss provision to net charge-offs | 140.0000% | 1,597 |
| Earnings coverage of net charge-offs (x) | 6.6333% | 2,683 |
| Efficiency ratio | 63.2256% | 3,799 |
| Assets per employee ($millions) | 4.1633% | 3,689 |
| Cash dividends to net income (ytd only)* | 57.4803% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,709 |
| Loan loss allowance to noncurrent loans | 452.3810% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 4,161 |
| Noncurrent loans to loans | 0.2756% | 4,055 |
| Net loans and leases to total assets | 87.4626% | 176 |
| Net loans and leases to deposits | 106.9567% | 356 |
| Net loans and leases to core deposits | 121.1781% | 506 |
| Total domestic deposits to total assets | 81.7739% | 3,952 |
| Equity capital to assets | 10.8808% | 2,942 |
| Core capital (leverage) ratio | 10.7557% | 2,645 |
| Tier 1 risk-based capital ratio | 11.3343% | 5,064 |
| Total risk-based capital ratio | 12.5323% | 4,984 |
| Memoranda: | ||
| Average total assets | $129,190,000 | 3,818 |
| Average earning assets | $122,708,000 | 3,755 |
| Average equity | $13,822,670 | 3,914 |
| Average total loans | $113,655,000 | 3,171 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 459 |
| Cost of funding earning assets | 0.8402% | 390 |
| Net interest margin | 4.2403% | 906 |
| Noninterest income to average assets | 0.1919% | 5,125 |
| Noninterest expense to average assets | 2.5872% | 3,540 |
| Loan and lease loss provision to assets | 0.4023% | 279 |
| Net operating income to assets | 1.1791% | 1,562 |
| Return on assets (ROA) | 1.1791% | 1,604 |
| Pretax return on assets | 1.2162% | 2,526 |
| Return on Equity (ROE) | 11.1139% | 1,526 |
| Retained earnings to average equity (ytd only) | 3.0046% | 3,908 |
| Net charge-offs to loans | 0.3459% | 530 |
| Credit loss provision to net charge-offs | 132.6531% | 1,297 |
| Earnings coverage of net charge-offs (x) | 5.3367% | 2,305 |
| Efficiency ratio | 61.2215% | 4,281 |
| Assets per employee ($millions) | 3.9309% | 4,127 |
| Cash dividends to net income (ytd only)* | 72.9659% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,716 |
| Loan loss allowance to noncurrent loans | 1,214.7826% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,903 |
| Noncurrent loans to loans | 0.1042% | 4,771 |
| Net loans and leases to total assets | 86.6665% | 178 |
| Net loans and leases to deposits | 106.5150% | 305 |
| Net loans and leases to core deposits | 122.1632% | 408 |
| Total domestic deposits to total assets | 81.3655% | 4,329 |
| Equity capital to assets | 10.9502% | 2,687 |
| Core capital (leverage) ratio | 10.4945% | 2,909 |
| Tier 1 risk-based capital ratio | 11.6294% | 4,960 |
| Total risk-based capital ratio | 12.8547% | 4,870 |
| Memoranda: | ||
| Average total assets | $129,254,000 | 3,857 |
| Average earning assets | $122,349,000 | 3,805 |
| Average equity | $13,712,500 | 3,958 |
| Average total loans | $113,329,500 | 3,196 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 444 |
| Cost of funding earning assets | 0.8047% | 492 |
| Net interest margin | 4.3544% | 843 |
| Noninterest income to average assets | 0.1800% | 5,322 |
| Noninterest expense to average assets | 2.7564% | 3,171 |
| Loan and lease loss provision to assets | 0.1223% | 2,015 |
| Net operating income to assets | 1.4082% | 998 |
| Return on assets (ROA) | 1.4082% | 1,014 |
| Pretax return on assets | 1.4445% | 1,768 |
| Return on Equity (ROE) | 13.2768% | 927 |
| Retained earnings to average equity (ytd only) | 5.3583% | 2,100 |
| Net charge-offs to loans | 0.0409% | 3,213 |
| Credit loss provision to net charge-offs | 344.4444% | 887 |
| Earnings coverage of net charge-offs (x) | 44.1111% | 1,098 |
| Efficiency ratio | 63.4106% | 4,039 |
| Assets per employee ($millions) | 4.1475% | 3,711 |
| Cash dividends to net income (ytd only)* | 59.6413% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,279 |
| Loan loss allowance to noncurrent loans | 498.1752% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 4,494 |
| Noncurrent loans to loans | 0.2357% | 4,303 |
| Net loans and leases to total assets | 86.5589% | 203 |
| Net loans and leases to deposits | 114.0405% | 157 |
| Net loans and leases to core deposits | 131.4488% | 268 |
| Total domestic deposits to total assets | 75.9019% | 5,249 |
| Equity capital to assets | 10.2856% | 3,403 |
| Core capital (leverage) ratio | 10.0531% | 3,426 |
| Tier 1 risk-based capital ratio | 10.7134% | 5,480 |
| Total risk-based capital ratio | 11.8247% | 5,468 |
| Memoranda: | ||
| Average total assets | $126,688,400 | 3,887 |
| Average earning assets | $120,545,600 | 3,819 |
| Average equity | $13,437,000 | 4,038 |
| Average total loans | $109,973,800 | 3,216 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 468 |
| Cost of funding earning assets | 0.7922% | 524 |
| Net interest margin | 4.3392% | 864 |
| Noninterest income to average assets | 0.1779% | 5,389 |
| Noninterest expense to average assets | 2.7607% | 3,143 |
| Loan and lease loss provision to assets | 0.1118% | 2,062 |
| Net operating income to assets | 1.4102% | 1,055 |
| Return on assets (ROA) | 1.4102% | 1,101 |
| Pretax return on assets | 1.4475% | 1,886 |
| Return on Equity (ROE) | 13.1900% | 1,000 |
| Retained earnings to average equity (ytd only) | 4.6723% | 3,043 |
| Net charge-offs to loans | -0.0037% | 4,561 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5602% | 3,991 |
| Assets per employee ($millions) | 4.0871% | 3,813 |
| Cash dividends to net income (ytd only)* | 64.5769% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 3,385 |
| Loan loss allowance to noncurrent loans | 327.6442% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 4,137 |
| Noncurrent loans to loans | 0.3594% | 3,970 |
| Net loans and leases to total assets | 87.4576% | 169 |
| Net loans and leases to deposits | 113.4503% | 193 |
| Net loans and leases to core deposits | 132.9907% | 264 |
| Total domestic deposits to total assets | 77.0889% | 5,071 |
| Equity capital to assets | 10.3954% | 3,685 |
| Core capital (leverage) ratio | 9.7602% | 3,861 |
| Tier 1 risk-based capital ratio | 10.0476% | 5,778 |
| Total risk-based capital ratio | 11.1088% | 5,796 |
| Memoranda: | ||
| Average total assets | $125,180,500 | 3,927 |
| Average earning assets | $119,496,750 | 3,858 |
| Average equity | $13,383,500 | 4,072 |
| Average total loans | $108,405,750 | 3,244 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 532 |
| Cost of funding earning assets | 0.7650% | 587 |
| Net interest margin | 4.2855% | 952 |
| Noninterest income to average assets | 0.1833% | 5,400 |
| Noninterest expense to average assets | 2.8465% | 2,855 |
| Loan and lease loss provision to assets | 0.0811% | 2,517 |
| Net operating income to assets | 1.3073% | 1,253 |
| Return on assets (ROA) | 1.3073% | 1,353 |
| Pretax return on assets | 1.3446% | 2,226 |
| Return on Equity (ROE) | 12.1088% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.3764% | 1,442 |
| Net charge-offs to loans | -0.0057% | 4,559 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2491% | 3,645 |
| Assets per employee ($millions) | 4.3745% | 3,264 |
| Cash dividends to net income (ytd only)* | 39.0819% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,695 |
| Loan loss allowance to noncurrent loans | 357.1038% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 4,376 |
| Noncurrent loans to loans | 0.3202% | 4,223 |
| Net loans and leases to total assets | 86.1058% | 243 |
| Net loans and leases to deposits | 111.2620% | 224 |
| Net loans and leases to core deposits | 131.2043% | 289 |
| Total domestic deposits to total assets | 77.3902% | 5,099 |
| Equity capital to assets | 10.3959% | 3,747 |
| Core capital (leverage) ratio | 10.1603% | 3,375 |
| Tier 1 risk-based capital ratio | 10.6720% | 5,595 |
| Total risk-based capital ratio | 11.7513% | 5,583 |
| Memoranda: | ||
| Average total assets | $123,311,330 | 3,990 |
| Average earning assets | $117,653,330 | 3,922 |
| Average equity | $13,312,670 | 4,105 |
| Average total loans | $105,958,670 | 3,308 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9885% | 593 |
| Cost of funding earning assets | 0.7493% | 638 |
| Net interest margin | 4.2392% | 1,017 |
| Noninterest income to average assets | 0.1676% | 5,487 |
| Noninterest expense to average assets | 2.8019% | 3,060 |
| Loan and lease loss provision to assets | 0.0670% | 2,622 |
| Net operating income to assets | 1.2970% | 1,266 |
| Return on assets (ROA) | 1.2970% | 1,346 |
| Pretax return on assets | 1.3372% | 2,149 |
| Return on Equity (ROE) | 11.7741% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.2938% | 2,766 |
| Net charge-offs to loans | -0.0039% | 4,230 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2151% | 3,763 |
| Assets per employee ($millions) | 3.9422% | 4,056 |
| Cash dividends to net income (ytd only)* | 55.0388% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 3,387 |
| Loan loss allowance to noncurrent loans | 477.9026% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 4,687 |
| Noncurrent loans to loans | 0.2545% | 4,521 |
| Net loans and leases to total assets | 84.7964% | 308 |
| Net loans and leases to deposits | 109.3088% | 240 |
| Net loans and leases to core deposits | 130.6175% | 261 |
| Total domestic deposits to total assets | 77.5751% | 5,209 |
| Equity capital to assets | 10.8602% | 3,103 |
| Core capital (leverage) ratio | 10.7908% | 2,633 |
| Tier 1 risk-based capital ratio | 11.7212% | 5,100 |
| Total risk-based capital ratio | 12.9078% | 5,046 |
| Memoranda: | ||
| Average total assets | $119,349,500 | 4,084 |
| Average earning assets | $113,701,500 | 4,014 |
| Average equity | $13,147,500 | 4,143 |
| Average total loans | $101,784,000 | 3,390 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 723 |
| Cost of funding earning assets | 0.7543% | 625 |
| Net interest margin | 4.1731% | 1,227 |
| Noninterest income to average assets | 0.1558% | 5,641 |
| Noninterest expense to average assets | 2.8905% | 2,888 |
| Loan and lease loss provision to assets | 0.0088% | 4,224 |
| Net operating income to assets | 1.2053% | 1,526 |
| Return on assets (ROA) | 1.2053% | 1,598 |
| Pretax return on assets | 1.2458% | 2,484 |
| Return on Equity (ROE) | 10.5036% | 1,803 |
| Retained earnings to average equity (ytd only) | -2.6854% | 5,795 |
| Net charge-offs to loans | 0.0151% | 3,989 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | 101.7857% | 566 |
| Efficiency ratio | 69.0952% | 3,382 |
| Assets per employee ($millions) | 3.8830% | 4,151 |
| Cash dividends to net income (ytd only)* | 125.5661% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,817.3913% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,423 |
| Noncurrent loans to loans | 0.0699% | 5,234 |
| Net loans and leases to total assets | 83.6202% | 425 |
| Net loans and leases to deposits | 101.2873% | 588 |
| Net loans and leases to core deposits | 120.3112% | 470 |
| Total domestic deposits to total assets | 82.5575% | 3,995 |
| Equity capital to assets | 11.1794% | 2,650 |
| Core capital (leverage) ratio | 10.9200% | 2,476 |
| Tier 1 risk-based capital ratio | 12.3108% | 4,759 |
| Total risk-based capital ratio | 13.5521% | 4,655 |
| Memoranda: | ||
| Average total assets | $113,580,400 | 4,187 |
| Average earning assets | $108,575,400 | 4,088 |
| Average equity | $13,033,600 | 4,138 |
| Average total loans | $92,936,600 | 3,521 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 777 |
| Cost of funding earning assets | 0.7476% | 656 |
| Net interest margin | 4.1453% | 1,290 |
| Noninterest income to average assets | 0.1642% | 5,661 |
| Noninterest expense to average assets | 2.8957% | 2,863 |
| Loan and lease loss provision to assets | 0.0118% | 4,037 |
| Net operating income to assets | 1.1850% | 1,698 |
| Return on assets (ROA) | 1.1850% | 1,764 |
| Pretax return on assets | 1.2264% | 2,706 |
| Return on Equity (ROE) | 10.2583% | 1,993 |
| Retained earnings to average equity (ytd only) | -6.2388% | 6,062 |
| Net charge-offs to loans | 0.0233% | 3,473 |
| Credit loss provision to net charge-offs | 62.5000% | 2,880 |
| Earnings coverage of net charge-offs (x) | 65.5087% | 855 |
| Efficiency ratio | 69.3913% | 3,315 |
| Assets per employee ($millions) | 3.7693% | 4,325 |
| Cash dividends to net income (ytd only)* | 160.8173% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.5725% | 516 |
| Net loans and leases to deposits | 99.9336% | 669 |
| Net loans and leases to core deposits | 119.0891% | 500 |
| Total domestic deposits to total assets | 82.6273% | 3,947 |
| Equity capital to assets | 11.3150% | 2,688 |
| Core capital (leverage) ratio | 10.5815% | 2,947 |
| Tier 1 risk-based capital ratio | 12.5018% | 4,760 |
| Total risk-based capital ratio | 13.7526% | 4,657 |
| Memoranda: | ||
| Average total assets | $112,852,750 | 4,251 |
| Average earning assets | $108,070,750 | 4,142 |
| Average equity | $13,036,250 | 4,175 |
| Average total loans | $91,504,750 | 3,591 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 933 |
| Cost of funding earning assets | 0.7398% | 685 |
| Net interest margin | 4.0354% | 1,535 |
| Noninterest income to average assets | 0.1507% | 5,806 |
| Noninterest expense to average assets | 2.8233% | 3,152 |
| Loan and lease loss provision to assets | 0.0177% | 3,773 |
| Net operating income to assets | 1.1385% | 1,812 |
| Return on assets (ROA) | 1.1385% | 1,890 |
| Pretax return on assets | 1.1793% | 2,861 |
| Return on Equity (ROE) | 9.7891% | 2,164 |
| Retained earnings to average equity (ytd only) | -11.2681% | 6,197 |
| Net charge-offs to loans | 0.0044% | 3,748 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 337.5000% | 206 |
| Efficiency ratio | 69.5633% | 3,405 |
| Assets per employee ($millions) | 3.6883% | 4,452 |
| Cash dividends to net income (ytd only)* | 215.1090% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 2,990 |
| Loan loss allowance to noncurrent loans | 2,388.6792% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 5,674 |
| Noncurrent loans to loans | 0.0565% | 5,511 |
| Net loans and leases to total assets | 80.9334% | 680 |
| Net loans and leases to deposits | 97.8616% | 809 |
| Net loans and leases to core deposits | 113.8708% | 670 |
| Total domestic deposits to total assets | 82.7019% | 4,059 |
| Equity capital to assets | 10.9581% | 2,927 |
| Core capital (leverage) ratio | 10.7612% | 2,667 |
| Tier 1 risk-based capital ratio | 12.4208% | 4,865 |
| Total risk-based capital ratio | 13.6720% | 4,777 |
| Memoranda: | ||
| Average total assets | $112,777,000 | 4,280 |
| Average earning assets | $108,142,670 | 4,182 |
| Average equity | $13,116,670 | 4,185 |
| Average total loans | $90,465,000 | 3,623 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7290% | 986 |
| Cost of funding earning assets | 0.7367% | 709 |
| Net interest margin | 3.9923% | 1,584 |
| Noninterest income to average assets | 0.1429% | 5,894 |
| Noninterest expense to average assets | 2.7858% | 3,296 |
| Loan and lease loss provision to assets | 0.0357% | 3,186 |
| Net operating income to assets | 1.1143% | 1,819 |
| Return on assets (ROA) | 1.1143% | 1,926 |
| Pretax return on assets | 1.1536% | 2,853 |
| Return on Equity (ROE) | 9.3061% | 2,313 |
| Retained earnings to average equity (ytd only) | -0.2684% | 5,431 |
| Net charge-offs to loans | 0.0090% | 3,030 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 329 |
| Efficiency ratio | 69.3621% | 3,604 |
| Assets per employee ($millions) | 3.7297% | 4,463 |
| Cash dividends to net income (ytd only)* | 102.8846% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 2,653 |
| Loan loss allowance to noncurrent loans | 302.8708% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 4,522 |
| Noncurrent loans to loans | 0.4802% | 4,137 |
| Net loans and leases to total assets | 76.6641% | 1,112 |
| Net loans and leases to deposits | 87.3036% | 1,695 |
| Net loans and leases to core deposits | 101.8390% | 1,190 |
| Total domestic deposits to total assets | 87.8132% | 1,922 |
| Equity capital to assets | 12.0259% | 2,007 |
| Core capital (leverage) ratio | 11.5686% | 1,948 |
| Tier 1 risk-based capital ratio | 14.2685% | 3,844 |
| Total risk-based capital ratio | 15.5222% | 3,770 |
| Memoranda: | ||
| Average total assets | $111,997,500 | 4,330 |
| Average earning assets | $107,506,000 | 4,228 |
| Average equity | $13,410,500 | 4,168 |
| Average total loans | $88,796,500 | 3,674 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9013% | 923 |
| Cost of funding earning assets | 0.7727% | 751 |
| Net interest margin | 4.1286% | 1,493 |
| Noninterest income to average assets | 0.1662% | 5,866 |
| Noninterest expense to average assets | 2.4909% | 4,579 |
| Loan and lease loss provision to assets | 0.0800% | 2,884 |
| Net operating income to assets | 1.4988% | 882 |
| Return on assets (ROA) | 1.4988% | 916 |
| Pretax return on assets | 1.5379% | 1,417 |
| Return on Equity (ROE) | 13.1482% | 1,101 |
| Retained earnings to average equity (ytd only) | 5.5915% | 2,198 |
| Net charge-offs to loans | 0.0248% | 4,339 |
| Credit loss provision to net charge-offs | 409.0909% | 632 |
| Earnings coverage of net charge-offs (x) | 82.7273% | 607 |
| Efficiency ratio | 59.6062% | 5,275 |
| Assets per employee ($millions) | 3.8656% | 4,229 |
| Cash dividends to net income (ytd only)* | 57.4733% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 2,993 |
| Loan loss allowance to noncurrent loans | 999.2063% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 5,585 |
| Noncurrent loans to loans | 0.1392% | 5,338 |
| Net loans and leases to total assets | 79.6473% | 786 |
| Net loans and leases to deposits | 90.6007% | 1,453 |
| Net loans and leases to core deposits | 99.1835% | 1,450 |
| Total domestic deposits to total assets | 87.9102% | 1,819 |
| Equity capital to assets | 11.9221% | 2,069 |
| Core capital (leverage) ratio | 11.2746% | 2,162 |
| Tier 1 risk-based capital ratio | 13.4605% | 4,438 |
| Total risk-based capital ratio | 14.7116% | 4,375 |
| Memoranda: | ||
| Average total assets | $112,488,600 | 4,331 |
| Average earning assets | $107,421,000 | 4,236 |
| Average equity | $12,823,000 | 4,224 |
| Average total loans | $88,611,400 | 3,661 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 970 |
| Cost of funding earning assets | 0.7710% | 794 |
| Net interest margin | 4.1082% | 1,553 |
| Noninterest income to average assets | 0.1611% | 5,949 |
| Noninterest expense to average assets | 2.4419% | 4,692 |
| Loan and lease loss provision to assets | 0.0947% | 2,470 |
| Net operating income to assets | 1.5040% | 935 |
| Return on assets (ROA) | 1.5040% | 963 |
| Pretax return on assets | 1.5431% | 1,503 |
| Return on Equity (ROE) | 13.3461% | 1,130 |
| Retained earnings to average equity (ytd only) | 6.1161% | 2,335 |
| Net charge-offs to loans | 0.0318% | 3,851 |
| Credit loss provision to net charge-offs | 380.9524% | 738 |
| Earnings coverage of net charge-offs (x) | 65.8554% | 810 |
| Efficiency ratio | 58.8389% | 5,329 |
| Assets per employee ($millions) | 4.3009% | 3,296 |
| Cash dividends to net income (ytd only)* | 54.1732% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 3,313 |
| Loan loss allowance to noncurrent loans | 975.7813% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 5,721 |
| Noncurrent loans to loans | 0.1402% | 5,504 |
| Net loans and leases to total assets | 77.5703% | 1,011 |
| Net loans and leases to deposits | 88.9491% | 1,560 |
| Net loans and leases to core deposits | 97.6381% | 1,544 |
| Total domestic deposits to total assets | 87.2075% | 2,192 |
| Equity capital to assets | 11.2811% | 2,677 |
| Core capital (leverage) ratio | 11.1814% | 2,323 |
| Tier 1 risk-based capital ratio | 13.0097% | 4,859 |
| Total risk-based capital ratio | 14.2599% | 4,786 |
| Memoranda: | ||
| Average total assets | $112,585,000 | 4,368 |
| Average earning assets | $107,391,500 | 4,281 |
| Average equity | $12,687,500 | 4,278 |
| Average total loans | $88,127,750 | 3,701 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8802% | 941 |
| Cost of funding earning assets | 0.7720% | 821 |
| Net interest margin | 4.1082% | 1,483 |
| Noninterest income to average assets | 0.1598% | 5,997 |
| Noninterest expense to average assets | 2.3643% | 4,987 |
| Loan and lease loss provision to assets | 0.0898% | 2,532 |
| Net operating income to assets | 1.5906% | 717 |
| Return on assets (ROA) | 1.5906% | 753 |
| Pretax return on assets | 1.6319% | 1,175 |
| Return on Equity (ROE) | 14.1195% | 933 |
| Retained earnings to average equity (ytd only) | 9.1952% | 918 |
| Net charge-offs to loans | 0.0069% | 4,146 |
| Credit loss provision to net charge-offs | 1,666.6667% | 224 |
| Earnings coverage of net charge-offs (x) | 319.6667% | 217 |
| Efficiency ratio | 56.8102% | 5,675 |
| Assets per employee ($millions) | 4.3880% | 3,105 |
| Cash dividends to net income (ytd only)* | 34.8758% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 3,507 |
| Loan loss allowance to noncurrent loans | 647.6440% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 5,641 |
| Noncurrent loans to loans | 0.2110% | 5,387 |
| Net loans and leases to total assets | 78.2731% | 880 |
| Net loans and leases to deposits | 92.7022% | 1,078 |
| Net loans and leases to core deposits | 100.4093% | 1,248 |
| Total domestic deposits to total assets | 84.4350% | 3,758 |
| Equity capital to assets | 11.4183% | 2,499 |
| Core capital (leverage) ratio | 11.3859% | 2,093 |
| Tier 1 risk-based capital ratio | 13.3241% | 4,706 |
| Total risk-based capital ratio | 14.5745% | 4,640 |
| Memoranda: | ||
| Average total assets | $111,405,670 | 4,420 |
| Average earning assets | $106,470,330 | 4,314 |
| Average equity | $12,550,000 | 4,310 |
| Average total loans | $87,061,670 | 3,743 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 923 |
| Cost of funding earning assets | 0.7775% | 845 |
| Net interest margin | 4.0855% | 1,505 |
| Noninterest income to average assets | 0.1563% | 6,034 |
| Noninterest expense to average assets | 2.4531% | 4,782 |
| Loan and lease loss provision to assets | 0.0727% | 2,684 |
| Net operating income to assets | 1.4864% | 842 |
| Return on assets (ROA) | 1.4864% | 870 |
| Pretax return on assets | 1.5264% | 1,348 |
| Return on Equity (ROE) | 13.2884% | 1,087 |
| Retained earnings to average equity (ytd only) | 10.3643% | 882 |
| Net charge-offs to loans | -0.0141% | 5,181 |
| Credit loss provision to net charge-offs | -666.6667% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4619% | 5,476 |
| Assets per employee ($millions) | 4.1998% | 3,525 |
| Cash dividends to net income (ytd only)* | 22.0049% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 3,470 |
| Loan loss allowance to noncurrent loans | 1,188.2353% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 5,965 |
| Noncurrent loans to loans | 0.1202% | 5,757 |
| Net loans and leases to total assets | 76.5949% | 935 |
| Net loans and leases to deposits | 86.7100% | 1,504 |
| Net loans and leases to core deposits | 94.6120% | 1,499 |
| Total domestic deposits to total assets | 88.3345% | 2,034 |
| Equity capital to assets | 11.5244% | 2,224 |
| Core capital (leverage) ratio | 11.2950% | 2,141 |
| Tier 1 risk-based capital ratio | 13.8124% | 4,460 |
| Total risk-based capital ratio | 15.0639% | 4,409 |
| Memoranda: | ||
| Average total assets | $110,064,000 | 4,486 |
| Average earning assets | $104,957,500 | 4,385 |
| Average equity | $12,311,500 | 4,368 |
| Average total loans | $85,323,500 | 3,819 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 1,275 |
| Cost of funding earning assets | 0.8396% | 998 |
| Net interest margin | 3.9776% | 2,011 |
| Noninterest income to average assets | 0.1601% | 6,127 |
| Noninterest expense to average assets | 2.3709% | 5,159 |
| Loan and lease loss provision to assets | 0.0276% | 4,571 |
| Net operating income to assets | 1.5999% | 692 |
| Return on assets (ROA) | 1.5999% | 710 |
| Pretax return on assets | 1.5493% | 1,302 |
| Return on Equity (ROE) | 14.5460% | 843 |
| Retained earnings to average equity (ytd only) | 8.2893% | 959 |
| Net charge-offs to loans | 0.0411% | 4,651 |
| Credit loss provision to net charge-offs | 90.9091% | 2,727 |
| Earnings coverage of net charge-offs (x) | 51.9394% | 774 |
| Efficiency ratio | 58.3547% | 5,694 |
| Assets per employee ($millions) | 5.2826% | 1,872 |
| Cash dividends to net income (ytd only)* | 43.0132% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 3,718 |
| Loan loss allowance to noncurrent loans | 966.6667% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 5,866 |
| Noncurrent loans to loans | 0.1434% | 5,767 |
| Net loans and leases to total assets | 76.2697% | 1,033 |
| Net loans and leases to deposits | 86.9068% | 1,586 |
| Net loans and leases to core deposits | 95.2557% | 1,510 |
| Total domestic deposits to total assets | 87.7603% | 2,328 |
| Equity capital to assets | 10.8524% | 2,758 |
| Core capital (leverage) ratio | 10.9317% | 2,449 |
| Tier 1 risk-based capital ratio | 13.3071% | 4,781 |
| Total risk-based capital ratio | 14.5584% | 4,723 |
| Memoranda: | ||
| Average total assets | $108,691,200 | 4,529 |
| Average earning assets | $103,504,000 | 4,421 |
| Average equity | $11,955,200 | 4,450 |
| Average total loans | $80,379,600 | 3,929 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 1,476 |
| Cost of funding earning assets | 0.8537% | 1,027 |
| Net interest margin | 3.8961% | 2,292 |
| Noninterest income to average assets | 0.1591% | 6,233 |
| Noninterest expense to average assets | 2.4007% | 5,023 |
| Loan and lease loss provision to assets | 0.0370% | 4,273 |
| Net operating income to assets | 1.3933% | 1,118 |
| Return on assets (ROA) | 1.3933% | 1,167 |
| Pretax return on assets | 1.4353% | 1,815 |
| Return on Equity (ROE) | 12.6244% | 1,328 |
| Retained earnings to average equity (ytd only) | 7.3623% | 1,703 |
| Net charge-offs to loans | 0.0523% | 4,157 |
| Credit loss provision to net charge-offs | 96.7742% | 2,471 |
| Earnings coverage of net charge-offs (x) | 38.5183% | 1,033 |
| Efficiency ratio | 60.2356% | 5,401 |
| Assets per employee ($millions) | 5.2469% | 1,899 |
| Cash dividends to net income (ytd only)* | 41.6811% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 3,772 |
| Loan loss allowance to noncurrent loans | 19,866.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 6,328 |
| Noncurrent loans to loans | 0.0072% | 6,360 |
| Net loans and leases to total assets | 74.5580% | 1,202 |
| Net loans and leases to deposits | 85.7284% | 1,645 |
| Net loans and leases to core deposits | 94.6451% | 1,510 |
| Total domestic deposits to total assets | 86.9700% | 2,707 |
| Equity capital to assets | 10.7620% | 3,000 |
| Core capital (leverage) ratio | 10.5781% | 2,918 |
| Tier 1 risk-based capital ratio | 13.1668% | 5,004 |
| Total risk-based capital ratio | 14.4184% | 4,952 |
| Memoranda: | ||
| Average total assets | $108,130,500 | 4,587 |
| Average earning assets | $103,076,000 | 4,473 |
| Average equity | $11,934,250 | 4,506 |
| Average total loans | $79,025,000 | 4,003 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,831 |
| Cost of funding earning assets | 0.8626% | 1,075 |
| Net interest margin | 3.7450% | 2,783 |
| Noninterest income to average assets | 0.1582% | 6,261 |
| Noninterest expense to average assets | 2.3975% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2900% | 1,352 |
| Return on assets (ROA) | 1.2900% | 1,446 |
| Pretax return on assets | 1.3328% | 2,178 |
| Return on Equity (ROE) | 11.5889% | 1,604 |
| Retained earnings to average equity (ytd only) | 7.0571% | 1,868 |
| Net charge-offs to loans | 0.0670% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 27.5385% | 1,213 |
| Efficiency ratio | 62.4251% | 5,107 |
| Assets per employee ($millions) | 5.3130% | 1,775 |
| Cash dividends to net income (ytd only)* | 39.1053% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 4,074 |
| Loan loss allowance to noncurrent loans | 1,406.0241% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 5,655 |
| Noncurrent loans to loans | 0.0990% | 6,102 |
| Net loans and leases to total assets | 74.1096% | 1,231 |
| Net loans and leases to deposits | 88.0033% | 1,338 |
| Net loans and leases to core deposits | 95.2988% | 1,419 |
| Total domestic deposits to total assets | 84.2123% | 4,235 |
| Equity capital to assets | 10.6028% | 3,171 |
| Core capital (leverage) ratio | 10.5610% | 2,811 |
| Tier 1 risk-based capital ratio | 12.7526% | 5,326 |
| Total risk-based capital ratio | 14.0033% | 5,256 |
| Memoranda: | ||
| Average total assets | $107,446,000 | 4,630 |
| Average earning assets | $102,483,670 | 4,507 |
| Average equity | $11,959,670 | 4,545 |
| Average total loans | $77,585,670 | 4,055 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,846 |
| Cost of funding earning assets | 0.8890% | 1,042 |
| Net interest margin | 3.7034% | 2,838 |
| Noninterest income to average assets | 0.1670% | 6,264 |
| Noninterest expense to average assets | 2.4596% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1919% | 1,545 |
| Return on assets (ROA) | 1.1919% | 1,657 |
| Pretax return on assets | 1.2336% | 2,453 |
| Return on Equity (ROE) | 10.4453% | 1,896 |
| Retained earnings to average equity (ytd only) | 8.7821% | 1,456 |
| Net charge-offs to loans | 0.1451% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.0370% | 1,630 |
| Efficiency ratio | 64.7482% | 4,873 |
| Assets per employee ($millions) | 5.3652% | 1,788 |
| Cash dividends to net income (ytd only)* | 15.9236% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 3,349 |
| Loan loss allowance to noncurrent loans | 1,031.8584% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 5,628 |
| Noncurrent loans to loans | 0.1562% | 6,003 |
| Net loans and leases to total assets | 66.3135% | 2,313 |
| Net loans and leases to deposits | 75.6185% | 2,697 |
| Net loans and leases to core deposits | 81.8593% | 2,588 |
| Total domestic deposits to total assets | 87.6948% | 2,520 |
| Equity capital to assets | 11.3621% | 2,567 |
| Core capital (leverage) ratio | 10.5764% | 2,678 |
| Tier 1 risk-based capital ratio | 13.8707% | 4,597 |
| Total risk-based capital ratio | 15.1235% | 4,557 |
| Memoranda: | ||
| Average total assets | $105,382,000 | 4,735 |
| Average earning assets | $100,340,500 | 4,615 |
| Average equity | $12,024,500 | 4,571 |
| Average total loans | $74,451,500 | 4,187 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 1,168 |
| Cost of funding earning assets | 1.0194% | 1,256 |
| Net interest margin | 4.1511% | 1,813 |
| Noninterest income to average assets | 0.1963% | 6,013 |
| Noninterest expense to average assets | 2.1130% | 6,098 |
| Loan and lease loss provision to assets | 0.2317% | 2,819 |
| Net operating income to assets | 0.7789% | 3,378 |
| Return on assets (ROA) | 0.7789% | 3,629 |
| Pretax return on assets | 1.8040% | 912 |
| Return on Equity (ROE) | 7.2220% | 3,517 |
| Retained earnings to average equity (ytd only) | 2.1657% | 4,707 |
| Net charge-offs to loans | 0.0053% | 5,896 |
| Credit loss provision to net charge-offs | 6,375.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 560.0000% | 72 |
| Efficiency ratio | 48.4337% | 6,684 |
| Assets per employee ($millions) | 4.3108% | 3,330 |
| Cash dividends to net income (ytd only)* | 70.0117% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 3,486 |
| Loan loss allowance to noncurrent loans | 1,924.1935% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 5,818 |
| Noncurrent loans to loans | 0.0810% | 6,281 |
| Net loans and leases to total assets | 72.8658% | 1,359 |
| Net loans and leases to deposits | 83.3282% | 1,837 |
| Net loans and leases to core deposits | 90.7741% | 1,741 |
| Total domestic deposits to total assets | 87.4444% | 2,556 |
| Equity capital to assets | 11.4605% | 2,486 |
| Core capital (leverage) ratio | 10.4651% | 2,811 |
| Tier 1 risk-based capital ratio | 13.0678% | 5,058 |
| Total risk-based capital ratio | 14.3195% | 5,004 |
| Memoranda: | ||
| Average total assets | $110,032,800 | 4,591 |
| Average earning assets | $104,768,600 | 4,473 |
| Average equity | $11,866,600 | 4,594 |
| Average total loans | $76,080,600 | 4,151 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2214% | 1,149 |
| Cost of funding earning assets | 1.0415% | 1,328 |
| Net interest margin | 4.1799% | 1,800 |
| Noninterest income to average assets | 0.2018% | 6,088 |
| Noninterest expense to average assets | 2.0404% | 6,289 |
| Loan and lease loss provision to assets | 0.2865% | 2,279 |
| Net operating income to assets | 1.2261% | 1,646 |
| Return on assets (ROA) | 1.2261% | 1,821 |
| Pretax return on assets | 1.8613% | 942 |
| Return on Equity (ROE) | 11.5368% | 1,783 |
| Retained earnings to average equity (ytd only) | 6.4817% | 2,386 |
| Net charge-offs to loans | 0.0070% | 5,640 |
| Credit loss provision to net charge-offs | 6,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 450.0206% | 100 |
| Efficiency ratio | 46.2657% | 6,806 |
| Assets per employee ($millions) | 4.7866% | 2,472 |
| Cash dividends to net income (ytd only)* | 43.8173% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,853 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 5,990 |
| Noncurrent loans to loans | 0.0801% | 6,413 |
| Net loans and leases to total assets | 72.3774% | 1,487 |
| Net loans and leases to deposits | 82.6514% | 2,035 |
| Net loans and leases to core deposits | 89.3748% | 2,058 |
| Total domestic deposits to total assets | 87.5694% | 2,308 |
| Equity capital to assets | 11.5911% | 2,656 |
| Core capital (leverage) ratio | 10.4939% | 2,920 |
| Tier 1 risk-based capital ratio | 13.2383% | 5,067 |
| Total risk-based capital ratio | 14.4899% | 5,029 |
| Memoranda: | ||
| Average total assets | $111,676,000 | 4,601 |
| Average earning assets | $106,507,000 | 4,477 |
| Average equity | $11,869,000 | 4,638 |
| Average total loans | $75,955,750 | 4,199 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3028% | 1,049 |
| Cost of funding earning assets | 1.0653% | 1,381 |
| Net interest margin | 4.2375% | 1,645 |
| Noninterest income to average assets | 0.1617% | 6,374 |
| Noninterest expense to average assets | 1.9244% | 6,555 |
| Loan and lease loss provision to assets | 0.3691% | 1,779 |
| Net operating income to assets | 1.2812% | 1,490 |
| Return on assets (ROA) | 1.2812% | 1,650 |
| Pretax return on assets | 1.9156% | 825 |
| Return on Equity (ROE) | 12.4015% | 1,537 |
| Retained earnings to average equity (ytd only) | 7.2980% | 1,956 |
| Net charge-offs to loans | -0.0185% | 6,413 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3403% | 6,976 |
| Assets per employee ($millions) | 5.6925% | 1,448 |
| Cash dividends to net income (ytd only)* | 41.1523% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 4,018 |
| Loan loss allowance to noncurrent loans | 1,525.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 5,936 |
| Noncurrent loans to loans | 0.0982% | 6,418 |
| Net loans and leases to total assets | 70.4578% | 1,834 |
| Net loans and leases to deposits | 80.1213% | 2,363 |
| Net loans and leases to core deposits | 86.6734% | 2,336 |
| Total domestic deposits to total assets | 87.9388% | 2,185 |
| Equity capital to assets | 11.0950% | 3,020 |
| Core capital (leverage) ratio | 9.8003% | 3,715 |
| Tier 1 risk-based capital ratio | 13.0500% | 5,151 |
| Total risk-based capital ratio | 14.3011% | 5,128 |
| Memoranda: | ||
| Average total assets | $113,799,670 | 4,570 |
| Average earning assets | $108,697,000 | 4,445 |
| Average equity | $11,756,670 | 4,663 |
| Average total loans | $75,476,000 | 4,238 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 1,273 |
| Cost of funding earning assets | 1.0971% | 1,419 |
| Net interest margin | 4.1232% | 2,013 |
| Noninterest income to average assets | 0.1715% | 6,353 |
| Noninterest expense to average assets | 1.9208% | 6,608 |
| Loan and lease loss provision to assets | 0.3601% | 1,750 |
| Net operating income to assets | 1.2485% | 1,606 |
| Return on assets (ROA) | 1.2485% | 1,778 |
| Pretax return on assets | 1.8350% | 1,005 |
| Return on Equity (ROE) | 12.5140% | 1,528 |
| Retained earnings to average equity (ytd only) | 7.3571% | 2,251 |
| Net charge-offs to loans | -0.0054% | 5,801 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8333% | 6,908 |
| Assets per employee ($millions) | 6.1458% | 1,192 |
| Cash dividends to net income (ytd only)* | 41.2088% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4017% | 4,607 |
| Loan loss allowance to noncurrent loans | 201.1516% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 5,186 |
| Noncurrent loans to loans | 0.6969% | 5,273 |
| Net loans and leases to total assets | 63.1301% | 3,012 |
| Net loans and leases to deposits | 71.1485% | 3,563 |
| Net loans and leases to core deposits | 77.9101% | 3,342 |
| Total domestic deposits to total assets | 88.7300% | 1,865 |
| Equity capital to assets | 10.0403% | 4,079 |
| Core capital (leverage) ratio | 9.2458% | 4,451 |
| Tier 1 risk-based capital ratio | 12.7048% | 5,438 |
| Total risk-based capital ratio | 13.9410% | 5,415 |
| Memoranda: | ||
| Average total assets | $116,621,000 | 4,526 |
| Average earning assets | $111,563,500 | 4,398 |
| Average equity | $11,635,000 | 4,694 |
| Average total loans | $74,532,000 | 4,290 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7347% | 727 |
| Cost of funding earning assets | 1.5022% | 716 |
| Net interest margin | 4.2325% | 1,954 |
| Noninterest income to average assets | 0.1892% | 6,148 |
| Noninterest expense to average assets | 2.4677% | 5,573 |
| Loan and lease loss provision to assets | 0.4164% | 2,506 |
| Net operating income to assets | 0.8688% | 2,740 |
| Return on assets (ROA) | 0.8688% | 2,881 |
| Pretax return on assets | 1.3233% | 2,041 |
| Return on Equity (ROE) | 8.4962% | 2,673 |
| Retained earnings to average equity (ytd only) | 6.4853% | 1,744 |
| Net charge-offs to loans | 0.2161% | 4,437 |
| Credit loss provision to net charge-offs | 277.3973% | 857 |
| Earnings coverage of net charge-offs (x) | 11.5890% | 1,705 |
| Efficiency ratio | 53.4457% | 6,567 |
| Assets per employee ($millions) | 6.1301% | 1,142 |
| Cash dividends to net income (ytd only)* | 23.6686% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 5,078 |
| Loan loss allowance to noncurrent loans | 1,035.1648% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 6,157 |
| Noncurrent loans to loans | 0.1225% | 6,500 |
| Net loans and leases to total assets | 62.9825% | 3,406 |
| Net loans and leases to deposits | 71.0548% | 3,941 |
| Net loans and leases to core deposits | 78.0161% | 3,688 |
| Total domestic deposits to total assets | 88.6393% | 1,761 |
| Equity capital to assets | 9.9131% | 4,283 |
| Core capital (leverage) ratio | 9.0504% | 4,694 |
| Tier 1 risk-based capital ratio | 12.6125% | 5,360 |
| Total risk-based capital ratio | 13.7409% | 5,441 |
| Memoranda: | ||
| Average total assets | $97,258,000 | 4,972 |
| Average earning assets | $92,332,400 | 4,846 |
| Average equity | $9,945,600 | 5,036 |
| Average total loans | $67,571,200 | 4,576 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8414% | 648 |
| Cost of funding earning assets | 1.5767% | 644 |
| Net interest margin | 4.2647% | 1,853 |
| Noninterest income to average assets | 0.2134% | 6,087 |
| Noninterest expense to average assets | 2.6174% | 5,012 |
| Loan and lease loss provision to assets | 0.3677% | 2,654 |
| Net operating income to assets | 0.7629% | 3,330 |
| Return on assets (ROA) | 0.7629% | 3,489 |
| Pretax return on assets | 1.2734% | 2,385 |
| Return on Equity (ROE) | 7.3890% | 3,340 |
| Retained earnings to average equity (ytd only) | 5.9922% | 2,560 |
| Net charge-offs to loans | 0.0020% | 6,172 |
| Credit loss provision to net charge-offs | 25,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 1,140.8271% | 19 |
| Efficiency ratio | 54.2499% | 6,464 |
| Assets per employee ($millions) | 5.8242% | 1,327 |
| Cash dividends to net income (ytd only)* | 18.9035% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 5,279 |
| Loan loss allowance to noncurrent loans | 650.6944% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,843 |
| Noncurrent loans to loans | 0.1912% | 6,486 |
| Net loans and leases to total assets | 67.2022% | 2,635 |
| Net loans and leases to deposits | 76.4807% | 3,254 |
| Net loans and leases to core deposits | 84.4435% | 2,994 |
| Total domestic deposits to total assets | 87.8682% | 2,116 |
| Equity capital to assets | 10.3082% | 3,942 |
| Core capital (leverage) ratio | 9.5946% | 4,005 |
| Tier 1 risk-based capital ratio | 12.2983% | 5,667 |
| Total risk-based capital ratio | 13.4192% | 5,755 |
| Memoranda: | ||
| Average total assets | $92,454,500 | 5,154 |
| Average earning assets | $87,693,750 | 5,042 |
| Average equity | $9,545,500 | 5,168 |
| Average total loans | $65,889,250 | 4,680 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7468% | 803 |
| Cost of funding earning assets | 1.6266% | 628 |
| Net interest margin | 4.1202% | 2,340 |
| Noninterest income to average assets | 0.2292% | 6,022 |
| Noninterest expense to average assets | 2.6949% | 4,847 |
| Loan and lease loss provision to assets | 0.3241% | 2,847 |
| Net operating income to assets | 0.6089% | 4,019 |
| Return on assets (ROA) | 0.6089% | 4,148 |
| Pretax return on assets | 1.1159% | 2,787 |
| Return on Equity (ROE) | 5.8936% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.8936% | 2,493 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2475% | 6,690 |
| Assets per employee ($millions) | 5.5244% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 5,975 |
| Loan loss allowance to noncurrent loans | 218.3024% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5119% | 5,890 |
| Noncurrent loans to loans | 0.5020% | 5,899 |
| Net loans and leases to total assets | 74.6930% | 1,286 |
| Net loans and leases to deposits | 84.9613% | 1,951 |
| Net loans and leases to core deposits | 92.2246% | 2,102 |
| Total domestic deposits to total assets | 87.9142% | 2,193 |
| Equity capital to assets | 9.9227% | 4,251 |
| Core capital (leverage) ratio | 8.5146% | 5,528 |
| Tier 1 risk-based capital ratio | 10.7828% | 6,676 |
| Total risk-based capital ratio | 11.8075% | 6,763 |
| Memoranda: | ||
| Average total assets | $86,386,000 | 5,360 |
| Average earning assets | $81,889,000 | 5,262 |
| Average equity | $8,925,000 | 5,346 |
| Average total loans | $62,751,330 | 4,842 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 2,947 |
| Cost of funding earning assets | 1.4580% | 1,343 |
| Net interest margin | 3.5734% | 4,702 |
| Noninterest income to average assets | -0.9266% | 7,535 |
| Noninterest expense to average assets | 1.8783% | 7,027 |
| Loan and lease loss provision to assets | 0.1503% | 4,138 |
| Net operating income to assets | 0.0801% | 6,144 |
| Return on assets (ROA) | 0.0801% | 6,199 |
| Pretax return on assets | 0.4207% | 5,280 |
| Return on Equity (ROE) | 0.7570% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.7570% | 5,523 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6871% | 3,035 |
| Assets per employee ($millions) | 5.6488% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 6,216 |
| Loan loss allowance to noncurrent loans | 838.8235% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.5665% | 5,842 |
| Noncurrent loans to loans | 0.1255% | 6,734 |
| Net loans and leases to total assets | 65.9199% | 3,032 |
| Net loans and leases to deposits | 74.5305% | 3,679 |
| Net loans and leases to core deposits | 81.6415% | 3,508 |
| Total domestic deposits to total assets | 88.4469% | 2,107 |
| Equity capital to assets | 9.3196% | 4,695 |
| Core capital (leverage) ratio | 11.8063% | 1,674 |
| Tier 1 risk-based capital ratio | 11.1358% | 6,409 |
| Total risk-based capital ratio | 12.0863% | 6,599 |
| Memoranda: | ||
| Average total assets | $79,859,500 | 5,592 |
| Average earning assets | $75,446,500 | 5,495 |
| Average equity | $8,454,000 | 5,471 |
| Average total loans | $56,578,500 | 5,150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2650% | 494 |
| Cost of funding earning assets | 1.7212% | 1,507 |
| Net interest margin | 4.5438% | 1,147 |
| Noninterest income to average assets | 0.6238% | 3,321 |
| Noninterest expense to average assets | 3.2545% | 2,901 |
| Loan and lease loss provision to assets | 0.3796% | 3,840 |
| Net operating income to assets | 0.8756% | 2,479 |
| Return on assets (ROA) | 0.9095% | 2,486 |
| Pretax return on assets | 1.3492% | 1,803 |
| Return on Equity (ROE) | 6.6783% | 3,268 |
| Retained earnings to average equity (ytd only) | 5.9194% | 1,867 |
| Net charge-offs to loans | 0.1687% | 5,317 |
| Credit loss provision to net charge-offs | 272.9730% | 1,002 |
| Earnings coverage of net charge-offs (x) | 12.1892% | 1,531 |
| Efficiency ratio | 65.7555% | 5,017 |
| Assets per employee ($millions) | 5.8041% | 1,349 |
| Cash dividends to net income (ytd only)* | 11.3636% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 3,987 |
| Loan loss allowance to noncurrent loans | 676.2376% | 502 |
| Noncurrent assets plus other real estate owned to assets | 1.3870% | 4,262 |
| Noncurrent loans to loans | 0.2224% | 6,619 |
| Net loans and leases to total assets | 77.0748% | 1,081 |
| Net loans and leases to deposits | 92.4888% | 1,206 |
| Net loans and leases to core deposits | 107.6603% | 1,081 |
| Total domestic deposits to total assets | 83.3342% | 4,671 |
| Equity capital to assets | 12.8047% | 1,487 |
| Core capital (leverage) ratio | 12.8544% | 1,179 |
| Tier 1 risk-based capital ratio | 15.1233% | 3,186 |
| Total risk-based capital ratio | 16.3755% | 3,128 |
| Memoranda: | ||
| Average total assets | $53,218,000 | 6,425 |
| Average earning assets | $50,662,400 | 6,343 |
| Average equity | $7,247,400 | 5,947 |
| Average total loans | $43,862,400 | 5,753 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2420% | 566 |
| Cost of funding earning assets | 1.7261% | 1,737 |
| Net interest margin | 4.5159% | 1,225 |
| Noninterest income to average assets | 0.7895% | 2,291 |
| Noninterest expense to average assets | 3.3632% | 2,389 |
| Loan and lease loss provision to assets | 0.4665% | 3,140 |
| Net operating income to assets | 0.9382% | 2,461 |
| Return on assets (ROA) | 0.9818% | 2,413 |
| Pretax return on assets | 1.3022% | 2,163 |
| Return on Equity (ROE) | 7.0911% | 3,303 |
| Retained earnings to average equity (ytd only) | 6.3506% | 2,174 |
| Net charge-offs to loans | 0.2269% | 4,571 |
| Credit loss provision to net charge-offs | 245.9459% | 1,362 |
| Earnings coverage of net charge-offs (x) | 9.0950% | 2,064 |
| Efficiency ratio | 66.0957% | 4,835 |
| Assets per employee ($millions) | 5.6172% | 1,520 |
| Cash dividends to net income (ytd only)* | 10.4436% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,457 |
| Loan loss allowance to noncurrent loans | 71.2903% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.9089% | 2,495 |
| Noncurrent loans to loans | 1.9637% | 3,728 |
| Net loans and leases to total assets | 83.1304% | 398 |
| Net loans and leases to deposits | 100.9883% | 583 |
| Net loans and leases to core deposits | 118.7468% | 661 |
| Total domestic deposits to total assets | 82.3168% | 4,867 |
| Equity capital to assets | 13.1507% | 1,515 |
| Core capital (leverage) ratio | 13.3449% | 1,102 |
| Tier 1 risk-based capital ratio | 14.6836% | 3,404 |
| Total risk-based capital ratio | 15.9339% | 3,380 |
| Memoranda: | ||
| Average total assets | $52,012,250 | 6,538 |
| Average earning assets | $49,512,500 | 6,451 |
| Average equity | $7,201,250 | 6,042 |
| Average total loans | $43,473,500 | 5,851 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1165% | 733 |
| Cost of funding earning assets | 1.7192% | 2,020 |
| Net interest margin | 4.3972% | 1,452 |
| Noninterest income to average assets | 1.1338% | 1,016 |
| Noninterest expense to average assets | 3.7293% | 1,498 |
| Loan and lease loss provision to assets | 0.4820% | 2,896 |
| Net operating income to assets | 0.7980% | 2,987 |
| Return on assets (ROA) | 0.8612% | 2,830 |
| Pretax return on assets | 1.1891% | 2,448 |
| Return on Equity (ROE) | 6.1070% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.4067% | 2,674 |
| Net charge-offs to loans | 0.1091% | 5,074 |
| Credit loss provision to net charge-offs | 530.4348% | 695 |
| Earnings coverage of net charge-offs (x) | 17.6957% | 1,324 |
| Efficiency ratio | 69.8742% | 4,211 |
| Assets per employee ($millions) | 5.2286% | 1,895 |
| Cash dividends to net income (ytd only)* | 11.4679% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 4,169 |
| Loan loss allowance to noncurrent loans | 42.5504% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.9396% | 2,443 |
| Noncurrent loans to loans | 3.4126% | 2,331 |
| Net loans and leases to total assets | 84.8889% | 292 |
| Net loans and leases to deposits | 104.2513% | 474 |
| Net loans and leases to core deposits | 121.0258% | 664 |
| Total domestic deposits to total assets | 81.4272% | 5,230 |
| Equity capital to assets | 13.8393% | 1,227 |
| Core capital (leverage) ratio | 13.8393% | 966 |
| Tier 1 risk-based capital ratio | 15.3279% | 2,987 |
| Total risk-based capital ratio | 16.5804% | 2,951 |
| Memoranda: | ||
| Average total assets | $50,625,670 | 6,632 |
| Average earning assets | $48,394,000 | 6,535 |
| Average equity | $7,139,330 | 6,097 |
| Average total loans | $42,178,330 | 5,946 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3619% | 476 |
| Cost of funding earning assets | 2.1066% | 795 |
| Net interest margin | 4.2552% | 1,838 |
| Noninterest income to average assets | 2.1769% | 302 |
| Noninterest expense to average assets | 4.7073% | 475 |
| Loan and lease loss provision to assets | 0.2169% | 4,333 |
| Net operating income to assets | 0.9880% | 2,228 |
| Return on assets (ROA) | 1.0925% | 1,935 |
| Pretax return on assets | 1.4298% | 1,694 |
| Return on Equity (ROE) | 7.6717% | 3,036 |
| Retained earnings to average equity (ytd only) | 6.2615% | 2,487 |
| Net charge-offs to loans | -0.0098% | 6,887 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3213% | 3,343 |
| Assets per employee ($millions) | 5.0786% | 2,133 |
| Cash dividends to net income (ytd only)* | 18.3824% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,357 |
| Loan loss allowance to noncurrent loans | 68.1871% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.6835% | 3,949 |
| Noncurrent loans to loans | 2.0704% | 3,694 |
| Net loans and leases to total assets | 80.1658% | 823 |
| Net loans and leases to deposits | 103.7142% | 546 |
| Net loans and leases to core deposits | 125.7078% | 594 |
| Total domestic deposits to total assets | 77.2949% | 6,493 |
| Equity capital to assets | 14.0688% | 1,118 |
| Core capital (leverage) ratio | 14.5368% | 844 |
| Tier 1 risk-based capital ratio | 15.7868% | 2,733 |
| Total risk-based capital ratio | 17.0378% | 2,675 |
| Memoranda: | ||
| Average total assets | $49,795,500 | 6,737 |
| Average earning assets | $47,659,000 | 6,643 |
| Average equity | $7,091,000 | 6,167 |
| Average total loans | $40,748,000 | 6,087 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2865% | 1,053 |
| Cost of funding earning assets | 2.0711% | 2,622 |
| Net interest margin | 4.2154% | 2,016 |
| Noninterest income to average assets | 9.5062% | 73 |
| Noninterest expense to average assets | 11.9527% | 77 |
| Loan and lease loss provision to assets | 0.3611% | 4,637 |
| Net operating income to assets | 0.8295% | 2,417 |
| Return on assets (ROA) | 0.8551% | 2,406 |
| Pretax return on assets | 1.2442% | 1,840 |
| Return on Equity (ROE) | 7.2910% | 2,668 |
| Retained earnings to average equity (ytd only) | 7.2910% | 876 |
| Net charge-offs to loans | 0.1054% | 6,088 |
| Credit loss provision to net charge-offs | 442.8571% | 702 |
| Earnings coverage of net charge-offs (x) | 19.3714% | 1,086 |
| Efficiency ratio | 88.2748% | 1,858 |
| Assets per employee ($millions) | 3.7542% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 4,334 |
| Loan loss allowance to noncurrent loans | 500.0000% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 6,896 |
| Noncurrent loans to loans | 0.2761% | 6,736 |
| Net loans and leases to total assets | 81.2314% | 803 |
| Net loans and leases to deposits | 101.8837% | 759 |
| Net loans and leases to core deposits | 165.4149% | 280 |
| Total domestic deposits to total assets | 79.7295% | 5,760 |
| Equity capital to assets | 14.4186% | 1,047 |
| Core capital (leverage) ratio | 14.9641% | 797 |
| Tier 1 risk-based capital ratio | 15.5323% | 2,703 |
| Total risk-based capital ratio | 16.7741% | 2,656 |
| Memoranda: | ||
| Average total assets | $42,919,200 | 6,993 |
| Average earning assets | $40,992,800 | 6,909 |
| Average equity | $5,033,600 | 6,927 |
| Average total loans | $33,201,200 | 6,453 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1762% | 1,430 |
| Cost of funding earning assets | 2.1899% | 2,455 |
| Net interest margin | 3.9863% | 2,870 |
| Noninterest income to average assets | 8.6886% | 84 |
| Noninterest expense to average assets | 10.7924% | 93 |
| Loan and lease loss provision to assets | 0.4504% | 3,663 |
| Net operating income to assets | 0.8171% | 2,735 |
| Return on assets (ROA) | 0.7367% | 3,137 |
| Pretax return on assets | 1.1774% | 2,334 |
| Return on Equity (ROE) | 6.7361% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.7361% | 1,613 |
| Net charge-offs to loans | 0.1441% | 5,251 |
| Credit loss provision to net charge-offs | 411.7647% | 965 |
| Earnings coverage of net charge-offs (x) | 15.6184% | 1,526 |
| Efficiency ratio | 86.2841% | 2,030 |
| Assets per employee ($millions) | 0.4312% | 8,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 3,425 |
| Loan loss allowance to noncurrent loans | 140.1554% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 5,364 |
| Noncurrent loans to loans | 1.0720% | 5,169 |
| Net loans and leases to total assets | 79.0827% | 1,371 |
| Net loans and leases to deposits | 103.0299% | 843 |
| Net loans and leases to core deposits | 160.5786% | 372 |
| Total domestic deposits to total assets | 76.7570% | 6,408 |
| Equity capital to assets | 15.3965% | 907 |
| Core capital (leverage) ratio | 16.3220% | 634 |
| Tier 1 risk-based capital ratio | 18.4714% | 1,870 |
| Total risk-based capital ratio | 19.7231% | 1,816 |
| Memoranda: | ||
| Average total assets | $41,447,750 | 7,089 |
| Average earning assets | $39,634,750 | 7,009 |
| Average equity | $4,532,750 | 7,166 |
| Average total loans | $31,451,500 | 6,599 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1242% | 1,715 |
| Cost of funding earning assets | 2.2953% | 2,371 |
| Net interest margin | 3.8289% | 3,422 |
| Noninterest income to average assets | 6.5932% | 107 |
| Noninterest expense to average assets | 8.7264% | 143 |
| Loan and lease loss provision to assets | 0.3225% | 4,009 |
| Net operating income to assets | 0.7541% | 3,025 |
| Return on assets (ROA) | 0.7094% | 3,314 |
| Pretax return on assets | 1.1658% | 2,411 |
| Return on Equity (ROE) | 7.6430% | 2,907 |
| Retained earnings to average equity (ytd only) | 7.6430% | 1,335 |
| Net charge-offs to loans | 0.2405% | 3,991 |
| Credit loss provision to net charge-offs | 180.5556% | 2,533 |
| Earnings coverage of net charge-offs (x) | 8.5833% | 2,237 |
| Efficiency ratio | 85.0097% | 2,357 |
| Assets per employee ($millions) | 0.9584% | 8,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 3,381 |
| Loan loss allowance to noncurrent loans | 113.1707% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 4,976 |
| Noncurrent loans to loans | 1.2955% | 4,614 |
| Net loans and leases to total assets | 75.6673% | 2,264 |
| Net loans and leases to deposits | 90.0127% | 2,832 |
| Net loans and leases to core deposits | 123.2326% | 2,093 |
| Total domestic deposits to total assets | 84.0629% | 3,731 |
| Equity capital to assets | 9.2497% | 4,939 |
| Core capital (leverage) ratio | 9.5302% | 3,842 |
| Tier 1 risk-based capital ratio | 11.5566% | 5,326 |
| Total risk-based capital ratio | 12.7960% | 5,265 |
| Memoranda: | ||
| Average total assets | $40,314,330 | 7,193 |
| Average earning assets | $38,601,000 | 7,107 |
| Average equity | $3,742,000 | 7,496 |
| Average total loans | $29,932,670 | 6,736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1551% | 1,742 |
| Cost of funding earning assets | 2.4327% | 2,166 |
| Net interest margin | 3.7224% | 3,792 |
| Noninterest income to average assets | 1.8362% | 410 |
| Noninterest expense to average assets | 3.7727% | 1,521 |
| Loan and lease loss provision to assets | 0.4515% | 2,663 |
| Net operating income to assets | 0.7124% | 3,495 |
| Return on assets (ROA) | 0.7124% | 3,690 |
| Pretax return on assets | 1.1739% | 2,706 |
| Return on Equity (ROE) | 7.6612% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.6612% | 1,949 |
| Net charge-offs to loans | 0.5641% | 2,056 |
| Credit loss provision to net charge-offs | 109.7561% | 3,511 |
| Earnings coverage of net charge-offs (x) | 3.9512% | 3,017 |
| Efficiency ratio | 69.7026% | 4,642 |
| Assets per employee ($millions) | 1.2343% | 8,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 2,868 |
| Loan loss allowance to noncurrent loans | 205.1402% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 5,851 |
| Noncurrent loans to loans | 0.7409% | 5,577 |
| Net loans and leases to total assets | 72.0174% | 3,239 |
| Net loans and leases to deposits | 80.5049% | 4,535 |
| Net loans and leases to core deposits | 109.4758% | 3,502 |
| Total domestic deposits to total assets | 89.4572% | 1,027 |
| Equity capital to assets | 9.4997% | 4,663 |
| Core capital (leverage) ratio | 9.4206% | 4,079 |
| Tier 1 risk-based capital ratio | 12.7287% | 4,367 |
| Total risk-based capital ratio | 13.9830% | 4,283 |
| Memoranda: | ||
| Average total assets | $39,865,500 | 7,256 |
| Average earning assets | $38,147,000 | 7,165 |
| Average equity | $3,707,000 | 7,554 |
| Average total loans | $29,075,000 | 6,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0986% | 919 |
| Cost of funding earning assets | 2.8688% | 2,399 |
| Net interest margin | 4.2298% | 2,193 |
| Noninterest income to average assets | 0.4176% | 5,318 |
| Noninterest expense to average assets | 2.6050% | 5,632 |
| Loan and lease loss provision to assets | 0.1847% | 5,046 |
| Net operating income to assets | 1.1221% | 2,066 |
| Return on assets (ROA) | 1.1221% | 1,978 |
| Pretax return on assets | 1.6363% | 1,294 |
| Return on Equity (ROE) | 11.4155% | 1,787 |
| Retained earnings to average equity (ytd only) | 11.4155% | 280 |
| Net charge-offs to loans | 0.0193% | 6,589 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 128.2000% | 350 |
| Efficiency ratio | 58.6650% | 6,579 |
| Assets per employee ($millions) | 3.0950% | 5,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 2,765 |
| Loan loss allowance to noncurrent loans | 430.6931% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,573 |
| Noncurrent loans to loans | 0.3451% | 6,341 |
| Net loans and leases to total assets | 71.6590% | 3,662 |
| Net loans and leases to deposits | 79.7081% | 5,097 |
| Net loans and leases to core deposits | 104.0115% | 4,394 |
| Total domestic deposits to total assets | 89.9018% | 686 |
| Equity capital to assets | 9.1015% | 5,223 |
| Core capital (leverage) ratio | 9.7285% | 3,731 |
| Tier 1 risk-based capital ratio | 12.2622% | 4,618 |
| Total risk-based capital ratio | 13.5148% | 4,504 |
| Memoranda: | ||
| Average total assets | $35,201,600 | 7,412 |
| Average earning assets | $33,358,600 | 7,355 |
| Average equity | $3,460,200 | 7,696 |
| Average total loans | $25,909,800 | 6,975 |