Home > Garfield County Bank > Performance and Condition Ratios
Garfield County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 1,178 |
| Cost of funding earning assets | 1.5155% | 1,908 |
| Net interest margin | 3.9714% | 1,250 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.3234% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2376% | 1,564 |
| Return on assets (ROA) | 1.2034% | 1,618 |
| Pretax return on assets | 1.5977% | 1,233 |
| Return on Equity (ROE) | 8.3600% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.3645% | 1,439 |
| Net charge-offs to loans | 0.0786% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 37.8750% | 1,476 |
| Efficiency ratio | 58.6066% | 3,229 |
| Assets per employee ($millions) | 7.2752% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 794 |
| Loan loss allowance to noncurrent loans | 43.9402% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 2.1073% | 125 |
| Noncurrent loans to loans | 3.7010% | 101 |
| Net loans and leases to total assets | 50.7800% | 3,546 |
| Net loans and leases to deposits | 60.0440% | 3,520 |
| Net loans and leases to core deposits | 65.4516% | 3,519 |
| Total domestic deposits to total assets | 84.5800% | 2,442 |
| Equity capital to assets | 14.8724% | 565 |
| Core capital (leverage) ratio | 16.3307% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $92,322,600 | 3,892 |
| Average earning assets | $85,713,800 | 3,874 |
| Average equity | $13,282,400 | 3,398 |
| Average total loans | $50,879,000 | 3,833 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4892% | 1,025 |
| Cost of funding earning assets | 1.5081% | 1,579 |
| Net interest margin | 3.9810% | 1,253 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.2915% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2696% | 1,608 |
| Return on assets (ROA) | 1.2627% | 1,613 |
| Pretax return on assets | 1.6681% | 1,222 |
| Return on Equity (ROE) | 8.8500% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.8537% | 1,726 |
| Net charge-offs to loans | 0.1038% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 28.8500% | 1,612 |
| Efficiency ratio | 57.7444% | 3,241 |
| Assets per employee ($millions) | 7.4988% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,188 |
| Loan loss allowance to noncurrent loans | 44.3638% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.1981% | 113 |
| Noncurrent loans to loans | 3.3183% | 114 |
| Net loans and leases to total assets | 59.1300% | 2,926 |
| Net loans and leases to deposits | 73.3458% | 2,621 |
| Net loans and leases to core deposits | 80.6952% | 2,548 |
| Total domestic deposits to total assets | 80.6200% | 3,443 |
| Equity capital to assets | 14.9557% | 540 |
| Core capital (leverage) ratio | 15.8824% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2739% | 472 |
| Memoranda: | ||
| Average total assets | $91,758,750 | 3,911 |
| Average earning assets | $85,135,500 | 3,894 |
| Average equity | $13,086,500 | 3,411 |
| Average total loans | $51,392,500 | 3,837 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 1,152 |
| Cost of funding earning assets | 1.3376% | 1,616 |
| Net interest margin | 3.9103% | 1,408 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.2956% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2348% | 1,735 |
| Return on assets (ROA) | 1.2279% | 1,744 |
| Pretax return on assets | 1.6026% | 1,413 |
| Return on Equity (ROE) | 8.7500% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.7482% | 1,750 |
| Net charge-offs to loans | 0.0158% | 1,608 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 649 |
| Efficiency ratio | 58.7583% | 3,105 |
| Assets per employee ($millions) | 7.7003% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 982 |
| Loan loss allowance to noncurrent loans | 22.9662% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 3.9111% | 40 |
| Noncurrent loans to loans | 6.8604% | 25 |
| Net loans and leases to total assets | 56.1100% | 3,116 |
| Net loans and leases to deposits | 65.9187% | 3,059 |
| Net loans and leases to core deposits | 71.9595% | 3,016 |
| Total domestic deposits to total assets | 85.1200% | 2,509 |
| Equity capital to assets | 14.3318% | 600 |
| Core capital (leverage) ratio | 15.6908% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9312% | 486 |
| Memoranda: | ||
| Average total assets | $92,349,667 | 3,918 |
| Average earning assets | $85,824,667 | 3,900 |
| Average equity | $12,962,667 | 3,437 |
| Average total loans | $50,522,333 | 3,855 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1562% | 1,009 |
| Cost of funding earning assets | 1.0860% | 1,790 |
| Net interest margin | 4.0702% | 1,142 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.5086% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2617% | 1,771 |
| Return on assets (ROA) | 1.2651% | 1,734 |
| Pretax return on assets | 1.6074% | 1,442 |
| Return on Equity (ROE) | 9.1100% | 3,019 |
| Retained earnings to average equity (ytd only) | 9.1090% | 1,916 |
| Net charge-offs to loans | 0.0324% | 1,068 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 92.5000% | 826 |
| Efficiency ratio | 61.0116% | 2,823 |
| Assets per employee ($millions) | 6.7785% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 854 |
| Loan loss allowance to noncurrent loans | 39.3738% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.3922% | 82 |
| Noncurrent loans to loans | 4.2739% | 78 |
| Net loans and leases to total assets | 55.0300% | 3,117 |
| Net loans and leases to deposits | 65.8971% | 2,941 |
| Net loans and leases to core deposits | 72.0678% | 2,811 |
| Total domestic deposits to total assets | 83.5100% | 3,193 |
| Equity capital to assets | 14.8014% | 500 |
| Core capital (leverage) ratio | 15.0843% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1936% | 424 |
| Memoranda: | ||
| Average total assets | $92,323,000 | 3,970 |
| Average earning assets | $86,187,000 | 3,948 |
| Average equity | $12,822,500 | 3,497 |
| Average total loans | $49,444,000 | 3,914 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 1,429 |
| Cost of funding earning assets | 0.9545% | 202 |
| Net interest margin | 3.1662% | 2,966 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.0727% | 3,376 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7915% | 3,357 |
| Return on assets (ROA) | 0.7899% | 3,293 |
| Pretax return on assets | 1.0487% | 2,920 |
| Return on Equity (ROE) | 6.1800% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.1770% | 2,576 |
| Net charge-offs to loans | 0.2533% | 316 |
| Credit loss provision to net charge-offs | 63.4921% | 1,758 |
| Earnings coverage of net charge-offs (x) | 8.7222% | 2,255 |
| Efficiency ratio | 64.6510% | 2,408 |
| Assets per employee ($millions) | 7.4248% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 823 |
| Loan loss allowance to noncurrent loans | 38.2920% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 2.2565% | 101 |
| Noncurrent loans to loans | 4.3942% | 77 |
| Net loans and leases to total assets | 50.4900% | 3,469 |
| Net loans and leases to deposits | 58.3444% | 3,427 |
| Net loans and leases to core deposits | 61.0091% | 3,449 |
| Total domestic deposits to total assets | 86.5300% | 2,562 |
| Equity capital to assets | 13.0653% | 690 |
| Core capital (leverage) ratio | 13.9092% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9569% | 480 |
| Memoranda: | ||
| Average total assets | $96,974,400 | 3,952 |
| Average earning assets | $91,150,400 | 3,925 |
| Average equity | $12,400,800 | 3,630 |
| Average total loans | $49,751,800 | 3,895 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 1,695 |
| Cost of funding earning assets | 0.9494% | 79 |
| Net interest margin | 2.8686% | 3,572 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.0242% | 3,417 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.6142% | 3,801 |
| Return on assets (ROA) | 0.6097% | 3,761 |
| Pretax return on assets | 0.7512% | 3,687 |
| Return on Equity (ROE) | 4.7900% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.7941% | 3,165 |
| Net charge-offs to loans | -0.2276% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.0238% | 1,761 |
| Assets per employee ($millions) | 7.1929% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 496 |
| Loan loss allowance to noncurrent loans | 41.4189% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 2.6982% | 67 |
| Noncurrent loans to loans | 4.8491% | 62 |
| Net loans and leases to total assets | 54.5200% | 3,047 |
| Net loans and leases to deposits | 62.9647% | 2,949 |
| Net loans and leases to core deposits | 65.9343% | 2,958 |
| Total domestic deposits to total assets | 86.6000% | 2,886 |
| Equity capital to assets | 12.9615% | 682 |
| Core capital (leverage) ratio | 13.8921% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1130% | 551 |
| Memoranda: | ||
| Average total assets | $97,087,250 | 3,980 |
| Average earning assets | $91,425,500 | 3,944 |
| Average equity | $12,348,250 | 3,677 |
| Average total loans | $49,798,500 | 3,914 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 2,363 |
| Cost of funding earning assets | 0.9438% | 49 |
| Net interest margin | 2.4802% | 4,118 |
| Noninterest income to average assets | 0.1954% | 4,021 |
| Noninterest expense to average assets | 1.9577% | 3,555 |
| Loan and lease loss provision to assets | 0.1221% | 812 |
| Net operating income to assets | 0.4079% | 4,092 |
| Return on assets (ROA) | 0.3989% | 4,060 |
| Pretax return on assets | 0.4477% | 4,087 |
| Return on Equity (ROE) | 3.1551% | 4,192 |
| Retained earnings to average equity (ytd only) | 3.1551% | 3,394 |
| Net charge-offs to loans | -0.3017% | 4,648 |
| Credit loss provision to net charge-offs | -81.0811% | 3,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1451% | 1,161 |
| Assets per employee ($millions) | 7.5392% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 568 |
| Loan loss allowance to noncurrent loans | 26.8325% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 3.8558% | 30 |
| Noncurrent loans to loans | 7.4115% | 23 |
| Net loans and leases to total assets | 50.9892% | 3,262 |
| Net loans and leases to deposits | 58.5402% | 3,177 |
| Net loans and leases to core deposits | 61.3886% | 3,168 |
| Total domestic deposits to total assets | 87.1012% | 2,905 |
| Equity capital to assets | 12.5070% | 757 |
| Core capital (leverage) ratio | 13.2425% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6833% | 561 |
| Memoranda: | ||
| Average total assets | $98,280,333 | 4,008 |
| Average earning assets | $92,816,000 | 3,982 |
| Average equity | $12,424,333 | 3,744 |
| Average total loans | $49,054,667 | 3,974 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7098% | 3,934 |
| Cost of funding earning assets | 0.9534% | 42 |
| Net interest margin | 1.7564% | 4,630 |
| Noninterest income to average assets | 0.2113% | 3,897 |
| Noninterest expense to average assets | 2.1663% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2926% | 4,665 |
| Return on assets (ROA) | -0.3008% | 4,651 |
| Pretax return on assets | -0.3008% | 4,636 |
| Return on Equity (ROE) | -2.3666% | 4,648 |
| Retained earnings to average equity (ytd only) | -2.3666% | 4,276 |
| Net charge-offs to loans | 0.0499% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -12.0000% | 1,815 |
| Efficiency ratio | 115.6182% | 100 |
| Assets per employee ($millions) | 6.6271% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 831 |
| Loan loss allowance to noncurrent loans | 16.1017% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 5.4604% | 14 |
| Noncurrent loans to loans | 11.3797% | 13 |
| Net loans and leases to total assets | 47.1043% | 3,478 |
| Net loans and leases to deposits | 53.9247% | 3,427 |
| Net loans and leases to core deposits | 56.7411% | 3,394 |
| Total domestic deposits to total assets | 87.3520% | 2,797 |
| Equity capital to assets | 12.3311% | 850 |
| Core capital (leverage) ratio | 12.7478% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9059% | 571 |
| Memoranda: | ||
| Average total assets | $98,416,000 | 4,020 |
| Average earning assets | $93,144,000 | 3,993 |
| Average equity | $12,507,500 | 3,811 |
| Average total loans | $48,088,000 | 4,008 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 2,519 |
| Cost of funding earning assets | 1.1535% | 36 |
| Net interest margin | 2.3951% | 4,325 |
| Noninterest income to average assets | 0.2222% | 4,039 |
| Noninterest expense to average assets | 1.8211% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4944% | 4,104 |
| Return on assets (ROA) | 0.4944% | 4,145 |
| Pretax return on assets | 0.6638% | 4,005 |
| Return on Equity (ROE) | 4.0310% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.0310% | 3,212 |
| Net charge-offs to loans | 0.6917% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.7937% | 2,603 |
| Efficiency ratio | 73.2861% | 1,389 |
| Assets per employee ($millions) | 6.9589% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 839 |
| Loan loss allowance to noncurrent loans | 25.7310% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 3.5104% | 56 |
| Noncurrent loans to loans | 7.0549% | 35 |
| Net loans and leases to total assets | 48.8550% | 3,419 |
| Net loans and leases to deposits | 56.4735% | 3,379 |
| Net loans and leases to core deposits | 59.5737% | 3,344 |
| Total domestic deposits to total assets | 86.5096% | 2,710 |
| Equity capital to assets | 13.0942% | 873 |
| Core capital (leverage) ratio | 12.7125% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4543% | 607 |
| Memoranda: | ||
| Average total assets | $102,138,600 | 3,968 |
| Average earning assets | $96,486,800 | 3,948 |
| Average equity | $12,528,000 | 3,877 |
| Average total loans | $54,650,000 | 3,920 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 2,417 |
| Cost of funding earning assets | 1.1925% | 34 |
| Net interest margin | 2.4576% | 4,338 |
| Noninterest income to average assets | 0.2284% | 4,038 |
| Noninterest expense to average assets | 1.8390% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5485% | 4,100 |
| Return on assets (ROA) | 0.5485% | 4,146 |
| Pretax return on assets | 0.7059% | 4,059 |
| Return on Equity (ROE) | 4.5439% | 4,218 |
| Retained earnings to average equity (ytd only) | 4.5439% | 3,392 |
| Net charge-offs to loans | 0.4223% | 180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.0730% | 2,328 |
| Efficiency ratio | 72.2617% | 1,380 |
| Assets per employee ($millions) | 6.4570% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 617 |
| Loan loss allowance to noncurrent loans | 28.3019% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 3.9399% | 48 |
| Noncurrent loans to loans | 7.1152% | 35 |
| Net loans and leases to total assets | 54.2584% | 2,939 |
| Net loans and leases to deposits | 62.8703% | 2,966 |
| Net loans and leases to core deposits | 66.3435% | 2,923 |
| Total domestic deposits to total assets | 86.3022% | 2,636 |
| Equity capital to assets | 13.1268% | 948 |
| Core capital (leverage) ratio | 12.9945% | 846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2175% | 779 |
| Memoranda: | ||
| Average total assets | $103,317,000 | 4,015 |
| Average earning assets | $97,384,250 | 3,982 |
| Average equity | $12,470,750 | 3,939 |
| Average total loans | $56,193,250 | 3,941 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7089% | 2,304 |
| Cost of funding earning assets | 1.2249% | 39 |
| Net interest margin | 2.4840% | 4,328 |
| Noninterest income to average assets | 0.2484% | 3,913 |
| Noninterest expense to average assets | 1.8261% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6068% | 3,970 |
| Return on assets (ROA) | 0.6068% | 4,023 |
| Pretax return on assets | 0.7680% | 3,930 |
| Return on Equity (ROE) | 5.1656% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.1656% | 3,126 |
| Net charge-offs to loans | 0.6381% | 122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2.2253% | 2,140 |
| Efficiency ratio | 70.3947% | 1,587 |
| Assets per employee ($millions) | 7.2036% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9813% | 629 |
| Loan loss allowance to noncurrent loans | 23.8169% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 4.4839% | 47 |
| Noncurrent loans to loans | 8.3191% | 25 |
| Net loans and leases to total assets | 52.8309% | 3,272 |
| Net loans and leases to deposits | 60.7283% | 3,324 |
| Net loans and leases to core deposits | 65.4827% | 3,160 |
| Total domestic deposits to total assets | 86.9955% | 2,325 |
| Equity capital to assets | 12.5027% | 1,132 |
| Core capital (leverage) ratio | 12.3494% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4746% | 891 |
| Memoranda: | ||
| Average total assets | $105,471,000 | 4,006 |
| Average earning assets | $99,598,000 | 3,979 |
| Average equity | $12,389,667 | 3,951 |
| Average total loans | $57,047,000 | 3,954 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9409% | 4,199 |
| Cost of funding earning assets | 1.2918% | 37 |
| Net interest margin | 1.6491% | 4,853 |
| Noninterest income to average assets | 0.1856% | 4,264 |
| Noninterest expense to average assets | 2.0078% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2635% | 4,857 |
| Return on assets (ROA) | -0.2635% | 4,861 |
| Pretax return on assets | -0.2635% | 4,849 |
| Return on Equity (ROE) | -2.3127% | 4,864 |
| Retained earnings to average equity (ytd only) | -2.3127% | 4,559 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1064% | 88 |
| Assets per employee ($millions) | 7.1510% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1882% | 428 |
| Loan loss allowance to noncurrent loans | 23.9764% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 5.2450% | 34 |
| Noncurrent loans to loans | 9.1266% | 26 |
| Net loans and leases to total assets | 56.2119% | 3,010 |
| Net loans and leases to deposits | 64.5226% | 3,076 |
| Net loans and leases to core deposits | 69.6020% | 2,899 |
| Total domestic deposits to total assets | 87.1197% | 2,271 |
| Equity capital to assets | 12.2171% | 1,194 |
| Core capital (leverage) ratio | 10.9942% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3367% | 1,019 |
| Memoranda: | ||
| Average total assets | $107,781,500 | 3,991 |
| Average earning assets | $101,872,000 | 3,958 |
| Average equity | $12,280,000 | 3,971 |
| Average total loans | $58,392,000 | 3,937 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 2,138 |
| Cost of funding earning assets | 1.4353% | 110 |
| Net interest margin | 2.7644% | 4,303 |
| Noninterest income to average assets | 0.1883% | 4,347 |
| Noninterest expense to average assets | 1.8720% | 4,362 |
| Loan and lease loss provision to assets | 0.1187% | 2,881 |
| Net operating income to assets | 0.5952% | 3,770 |
| Return on assets (ROA) | 0.5952% | 3,878 |
| Pretax return on assets | 0.8002% | 3,625 |
| Return on Equity (ROE) | 5.0434% | 3,891 |
| Retained earnings to average equity (ytd only) | 4.8357% | 2,352 |
| Net charge-offs to loans | -0.0461% | 4,650 |
| Credit loss provision to net charge-offs | -403.3333% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0766% | 2,353 |
| Assets per employee ($millions) | 8.2461% | 951 |
| Cash dividends to net income (ytd only)* | 4.1186% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7519% | 197 |
| Loan loss allowance to noncurrent loans | 44.8483% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 3.1694% | 103 |
| Noncurrent loans to loans | 6.1360% | 52 |
| Net loans and leases to total assets | 50.2321% | 3,810 |
| Net loans and leases to deposits | 56.6601% | 3,958 |
| Net loans and leases to core deposits | 60.1935% | 3,933 |
| Total domestic deposits to total assets | 88.6553% | 1,141 |
| Equity capital to assets | 10.6769% | 2,539 |
| Core capital (leverage) ratio | 10.9516% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,974,800 | 3,969 |
| Average earning assets | $96,007,200 | 3,946 |
| Average equity | $12,035,600 | 3,973 |
| Average total loans | $65,106,400 | 3,828 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4404% | 1,735 |
| Cost of funding earning assets | 1.4758% | 132 |
| Net interest margin | 2.9646% | 4,060 |
| Noninterest income to average assets | 0.1988% | 4,285 |
| Noninterest expense to average assets | 1.9336% | 4,280 |
| Loan and lease loss provision to assets | 0.1633% | 2,367 |
| Net operating income to assets | 0.7058% | 3,439 |
| Return on assets (ROA) | 0.7058% | 3,543 |
| Pretax return on assets | 0.8856% | 3,418 |
| Return on Equity (ROE) | 5.8178% | 3,615 |
| Retained earnings to average equity (ytd only) | 5.5392% | 2,308 |
| Net charge-offs to loans | -0.0622% | 4,729 |
| Credit loss provision to net charge-offs | -390.3226% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8232% | 2,624 |
| Assets per employee ($millions) | 7.4431% | 1,247 |
| Cash dividends to net income (ytd only)* | 4.7893% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4777% | 236 |
| Loan loss allowance to noncurrent loans | 36.6273% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 4.3626% | 70 |
| Noncurrent loans to loans | 6.7645% | 59 |
| Net loans and leases to total assets | 62.0232% | 3,009 |
| Net loans and leases to deposits | 70.9752% | 3,217 |
| Net loans and leases to core deposits | 75.9736% | 3,165 |
| Total domestic deposits to total assets | 87.3871% | 1,502 |
| Equity capital to assets | 11.7569% | 1,838 |
| Core capital (leverage) ratio | 11.9984% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6021% | 1,352 |
| Memoranda: | ||
| Average total assets | $98,607,000 | 4,009 |
| Average earning assets | $92,601,500 | 3,991 |
| Average equity | $11,963,000 | 3,986 |
| Average total loans | $66,475,000 | 3,819 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,739 |
| Cost of funding earning assets | 1.4898% | 169 |
| Net interest margin | 3.0764% | 3,952 |
| Noninterest income to average assets | 0.2150% | 4,199 |
| Noninterest expense to average assets | 2.0364% | 4,158 |
| Loan and lease loss provision to assets | 0.1964% | 2,078 |
| Net operating income to assets | 0.6802% | 3,464 |
| Return on assets (ROA) | 0.6802% | 3,569 |
| Pretax return on assets | 0.8766% | 3,383 |
| Return on Equity (ROE) | 5.5448% | 3,657 |
| Retained earnings to average equity (ytd only) | 5.1235% | 2,416 |
| Net charge-offs to loans | 0.0541% | 1,715 |
| Credit loss provision to net charge-offs | 527.7778% | 1,187 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 1,462 |
| Efficiency ratio | 65.4920% | 2,588 |
| Assets per employee ($millions) | 7.8138% | 1,038 |
| Cash dividends to net income (ytd only)* | 7.5988% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3150% | 281 |
| Loan loss allowance to noncurrent loans | 33.8372% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 4.6210% | 63 |
| Noncurrent loans to loans | 6.8416% | 62 |
| Net loans and leases to total assets | 65.0935% | 2,744 |
| Net loans and leases to deposits | 74.5406% | 3,024 |
| Net loans and leases to core deposits | 80.1576% | 2,936 |
| Total domestic deposits to total assets | 87.3262% | 1,486 |
| Equity capital to assets | 11.8724% | 1,743 |
| Core capital (leverage) ratio | 12.2499% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,741,667 | 4,041 |
| Average earning assets | $91,016,667 | 4,010 |
| Average equity | $11,867,000 | 4,001 |
| Average total loans | $66,542,667 | 3,824 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 1,332 |
| Cost of funding earning assets | 1.5233% | 239 |
| Net interest margin | 3.3170% | 3,553 |
| Noninterest income to average assets | 0.2502% | 4,047 |
| Noninterest expense to average assets | 2.6378% | 2,863 |
| Loan and lease loss provision to assets | 0.1060% | 2,359 |
| Net operating income to assets | 0.5216% | 3,837 |
| Return on assets (ROA) | 0.5216% | 3,894 |
| Pretax return on assets | 0.6276% | 3,874 |
| Return on Equity (ROE) | 4.1799% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.3304% | 2,945 |
| Net charge-offs to loans | 0.6488% | 229 |
| Credit loss provision to net charge-offs | 23.3645% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.6168% | 2,365 |
| Efficiency ratio | 78.2390% | 1,307 |
| Assets per employee ($millions) | 7.2103% | 1,000 |
| Cash dividends to net income (ytd only)* | 20.3252% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1270% | 416 |
| Loan loss allowance to noncurrent loans | 23.6639% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 6.4150% | 41 |
| Noncurrent loans to loans | 8.9885% | 36 |
| Net loans and leases to total assets | 69.1190% | 2,379 |
| Net loans and leases to deposits | 79.8098% | 2,701 |
| Net loans and leases to core deposits | 84.7855% | 2,777 |
| Total domestic deposits to total assets | 86.6046% | 1,736 |
| Equity capital to assets | 12.6230% | 1,661 |
| Core capital (leverage) ratio | 12.7297% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4207% | 1,498 |
| Memoranda: | ||
| Average total assets | $94,322,500 | 4,073 |
| Average earning assets | $88,754,000 | 4,041 |
| Average equity | $11,770,500 | 4,024 |
| Average total loans | $65,969,500 | 3,849 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4280% | 632 |
| Cost of funding earning assets | 1.4617% | 443 |
| Net interest margin | 3.9663% | 1,954 |
| Noninterest income to average assets | 0.2512% | 4,176 |
| Noninterest expense to average assets | 2.1705% | 4,223 |
| Loan and lease loss provision to assets | 0.6685% | 170 |
| Net operating income to assets | 0.9886% | 2,884 |
| Return on assets (ROA) | 0.9886% | 2,967 |
| Pretax return on assets | 1.1349% | 3,058 |
| Return on Equity (ROE) | 8.1214% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.8073% | 1,039 |
| Net charge-offs to loans | 1.5005% | 94 |
| Credit loss provision to net charge-offs | 59.0164% | 3,047 |
| Earnings coverage of net charge-offs (x) | 1.5921% | 3,520 |
| Efficiency ratio | 54.6179% | 4,360 |
| Assets per employee ($millions) | 6.7794% | 1,136 |
| Cash dividends to net income (ytd only)* | 3.8674% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2664% | 302 |
| Loan loss allowance to noncurrent loans | 32.8628% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 4.9552% | 64 |
| Noncurrent loans to loans | 6.8966% | 48 |
| Net loans and leases to total assets | 67.6982% | 2,723 |
| Net loans and leases to deposits | 78.2019% | 2,986 |
| Net loans and leases to core deposits | 82.8472% | 3,055 |
| Total domestic deposits to total assets | 86.5685% | 1,820 |
| Equity capital to assets | 12.3368% | 1,930 |
| Core capital (leverage) ratio | 12.7657% | 1,346 |
| Tier 1 risk-based capital ratio | 15.1936% | 2,701 |
| Total risk-based capital ratio | 16.4516% | 2,632 |
| Memoranda: | ||
| Average total assets | $91,547,000 | 4,118 |
| Average earning assets | $85,924,600 | 4,102 |
| Average equity | $11,143,400 | 4,105 |
| Average total loans | $69,109,200 | 3,794 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 785 |
| Cost of funding earning assets | 1.4502% | 481 |
| Net interest margin | 3.8960% | 2,268 |
| Noninterest income to average assets | 0.2411% | 4,294 |
| Noninterest expense to average assets | 2.1475% | 4,280 |
| Loan and lease loss provision to assets | 0.8996% | 108 |
| Net operating income to assets | 0.7952% | 3,690 |
| Return on assets (ROA) | 0.7952% | 3,764 |
| Pretax return on assets | 0.8467% | 4,019 |
| Return on Equity (ROE) | 6.5563% | 3,856 |
| Retained earnings to average equity (ytd only) | 6.1321% | 2,312 |
| Net charge-offs to loans | 1.1989% | 120 |
| Credit loss provision to net charge-offs | 97.2973% | 2,316 |
| Earnings coverage of net charge-offs (x) | 1.8887% | 3,243 |
| Efficiency ratio | 55.1529% | 4,262 |
| Assets per employee ($millions) | 6.3503% | 1,361 |
| Cash dividends to net income (ytd only)* | 6.4701% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6275% | 191 |
| Loan loss allowance to noncurrent loans | 26.8469% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 8.1380% | 25 |
| Noncurrent loans to loans | 9.7870% | 28 |
| Net loans and leases to total assets | 79.0752% | 979 |
| Net loans and leases to deposits | 91.5020% | 1,501 |
| Net loans and leases to core deposits | 98.3272% | 1,797 |
| Total domestic deposits to total assets | 86.4191% | 1,813 |
| Equity capital to assets | 12.7553% | 1,751 |
| Core capital (leverage) ratio | 12.5475% | 1,548 |
| Tier 1 risk-based capital ratio | 13.7828% | 3,431 |
| Total risk-based capital ratio | 15.0449% | 3,337 |
| Memoranda: | ||
| Average total assets | $90,706,000 | 4,184 |
| Average earning assets | $85,043,000 | 4,162 |
| Average equity | $11,002,000 | 4,160 |
| Average total loans | $69,950,750 | 3,817 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1881% | 1,001 |
| Cost of funding earning assets | 1.4018% | 533 |
| Net interest margin | 3.7863% | 2,626 |
| Noninterest income to average assets | 0.2519% | 4,246 |
| Noninterest expense to average assets | 2.2145% | 4,190 |
| Loan and lease loss provision to assets | 1.1675% | 78 |
| Net operating income to assets | 0.4096% | 4,718 |
| Return on assets (ROA) | 0.4096% | 4,740 |
| Pretax return on assets | 0.4315% | 4,789 |
| Return on Equity (ROE) | 3.4346% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.7917% | 3,815 |
| Net charge-offs to loans | 1.8179% | 63 |
| Credit loss provision to net charge-offs | 84.7377% | 2,181 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 3,050 |
| Efficiency ratio | 58.0701% | 3,999 |
| Assets per employee ($millions) | 6.0807% | 1,486 |
| Cash dividends to net income (ytd only)* | 18.7166% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5288% | 216 |
| Loan loss allowance to noncurrent loans | 28.5378% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 7.1045% | 38 |
| Noncurrent loans to loans | 8.8614% | 36 |
| Net loans and leases to total assets | 76.8677% | 1,408 |
| Net loans and leases to deposits | 88.0261% | 2,007 |
| Net loans and leases to core deposits | 93.7012% | 2,265 |
| Total domestic deposits to total assets | 87.3238% | 1,424 |
| Equity capital to assets | 12.0393% | 2,154 |
| Core capital (leverage) ratio | 12.3085% | 1,631 |
| Tier 1 risk-based capital ratio | 13.5185% | 3,574 |
| Total risk-based capital ratio | 14.7803% | 3,462 |
| Memoranda: | ||
| Average total assets | $91,306,670 | 4,198 |
| Average earning assets | $85,889,330 | 4,178 |
| Average equity | $10,889,330 | 4,186 |
| Average total loans | $69,201,670 | 3,851 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 2,417 |
| Cost of funding earning assets | 1.3515% | 551 |
| Net interest margin | 3.2881% | 4,188 |
| Noninterest income to average assets | 0.2452% | 4,252 |
| Noninterest expense to average assets | 2.2768% | 4,083 |
| Loan and lease loss provision to assets | 0.0919% | 1,882 |
| Net operating income to assets | 0.8056% | 3,599 |
| Return on assets (ROA) | 0.8056% | 3,640 |
| Pretax return on assets | 0.9764% | 3,519 |
| Return on Equity (ROE) | 6.7875% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.4964% | 2,697 |
| Net charge-offs to loans | 0.2300% | 625 |
| Credit loss provision to net charge-offs | 53.8462% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.2564% | 2,206 |
| Efficiency ratio | 68.0628% | 2,630 |
| Assets per employee ($millions) | 6.0323% | 1,518 |
| Cash dividends to net income (ytd only)* | 19.0217% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7345% | 180 |
| Loan loss allowance to noncurrent loans | 25.2832% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 8.2920% | 26 |
| Noncurrent loans to loans | 10.8156% | 24 |
| Net loans and leases to total assets | 74.5704% | 1,708 |
| Net loans and leases to deposits | 85.6412% | 2,176 |
| Net loans and leases to core deposits | 91.2552% | 2,373 |
| Total domestic deposits to total assets | 87.0730% | 1,774 |
| Equity capital to assets | 12.0893% | 1,971 |
| Core capital (leverage) ratio | 12.0098% | 1,762 |
| Tier 1 risk-based capital ratio | 13.8252% | 3,438 |
| Total risk-based capital ratio | 15.0883% | 3,343 |
| Memoranda: | ||
| Average total assets | $91,355,000 | 4,241 |
| Average earning assets | $86,128,500 | 4,216 |
| Average equity | $10,843,500 | 4,222 |
| Average total loans | $67,837,500 | 3,925 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 828 |
| Cost of funding earning assets | 1.1642% | 392 |
| Net interest margin | 3.9434% | 2,184 |
| Noninterest income to average assets | 0.2624% | 4,360 |
| Noninterest expense to average assets | 1.9788% | 4,786 |
| Loan and lease loss provision to assets | 0.8892% | 107 |
| Net operating income to assets | 0.7696% | 3,914 |
| Return on assets (ROA) | 0.7696% | 3,919 |
| Pretax return on assets | 1.1040% | 3,251 |
| Return on Equity (ROE) | 6.6988% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.3614% | 2,000 |
| Net charge-offs to loans | 0.2616% | 738 |
| Credit loss provision to net charge-offs | 456.2500% | 748 |
| Earnings coverage of net charge-offs (x) | 10.2273% | 2,744 |
| Efficiency ratio | 49.8188% | 4,953 |
| Assets per employee ($millions) | 5.7641% | 1,703 |
| Cash dividends to net income (ytd only)* | 5.0360% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8883% | 147 |
| Loan loss allowance to noncurrent loans | 30.6498% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 6.7747% | 39 |
| Noncurrent loans to loans | 9.4234% | 31 |
| Net loans and leases to total assets | 69.8162% | 2,592 |
| Net loans and leases to deposits | 79.4580% | 3,010 |
| Net loans and leases to core deposits | 85.1231% | 2,995 |
| Total domestic deposits to total assets | 87.8655% | 1,362 |
| Equity capital to assets | 11.5663% | 2,203 |
| Core capital (leverage) ratio | 11.7199% | 1,933 |
| Tier 1 risk-based capital ratio | 13.9825% | 3,295 |
| Total risk-based capital ratio | 15.2467% | 3,218 |
| Memoranda: | ||
| Average total assets | $90,305,600 | 4,265 |
| Average earning assets | $84,951,400 | 4,235 |
| Average equity | $10,375,000 | 4,252 |
| Average total loans | $67,279,600 | 3,929 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 895 |
| Cost of funding earning assets | 1.1130% | 374 |
| Net interest margin | 3.9106% | 2,261 |
| Noninterest income to average assets | 0.2479% | 4,494 |
| Noninterest expense to average assets | 2.0409% | 4,664 |
| Loan and lease loss provision to assets | 0.7243% | 136 |
| Net operating income to assets | 1.0301% | 2,962 |
| Return on assets (ROA) | 1.0301% | 2,974 |
| Pretax return on assets | 1.1593% | 3,165 |
| Return on Equity (ROE) | 8.9818% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.5288% | 1,405 |
| Net charge-offs to loans | -0.0020% | 4,086 |
| Credit loss provision to net charge-offs | -48,800.0000% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0045% | 4,811 |
| Assets per employee ($millions) | 5.2024% | 2,217 |
| Cash dividends to net income (ytd only)* | 5.0437% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4499% | 260 |
| Loan loss allowance to noncurrent loans | 29.2222% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 6.8758% | 46 |
| Noncurrent loans to loans | 8.3835% | 46 |
| Net loans and leases to total assets | 80.0068% | 1,019 |
| Net loans and leases to deposits | 98.8364% | 877 |
| Net loans and leases to core deposits | 105.6074% | 1,342 |
| Total domestic deposits to total assets | 80.9487% | 3,881 |
| Equity capital to assets | 12.0183% | 1,897 |
| Core capital (leverage) ratio | 12.1962% | 1,668 |
| Tier 1 risk-based capital ratio | 13.1903% | 3,785 |
| Total risk-based capital ratio | 14.4508% | 3,700 |
| Memoranda: | ||
| Average total assets | $89,825,750 | 4,314 |
| Average earning assets | $84,452,500 | 4,289 |
| Average equity | $10,302,000 | 4,308 |
| Average total loans | $67,523,750 | 3,957 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9480% | 926 |
| Cost of funding earning assets | 1.0633% | 343 |
| Net interest margin | 3.8847% | 2,260 |
| Noninterest income to average assets | 0.2392% | 4,583 |
| Noninterest expense to average assets | 2.0401% | 4,719 |
| Loan and lease loss provision to assets | 0.7709% | 121 |
| Net operating income to assets | 1.0012% | 3,012 |
| Return on assets (ROA) | 1.0012% | 3,012 |
| Pretax return on assets | 1.0943% | 3,342 |
| Return on Equity (ROE) | 8.8688% | 3,085 |
| Retained earnings to average equity (ytd only) | 8.1821% | 1,545 |
| Net charge-offs to loans | -0.0061% | 4,155 |
| Credit loss provision to net charge-offs | -17,400.0000% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2405% | 4,862 |
| Assets per employee ($millions) | 5.1744% | 2,221 |
| Cash dividends to net income (ytd only)* | 7.7434% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3632% | 289 |
| Loan loss allowance to noncurrent loans | 37.3802% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 4.9816% | 90 |
| Noncurrent loans to loans | 6.3221% | 80 |
| Net loans and leases to total assets | 76.9337% | 1,478 |
| Net loans and leases to deposits | 88.5843% | 2,036 |
| Net loans and leases to core deposits | 94.8998% | 2,148 |
| Total domestic deposits to total assets | 86.8480% | 1,904 |
| Equity capital to assets | 11.8196% | 1,979 |
| Core capital (leverage) ratio | 11.8795% | 1,786 |
| Tier 1 risk-based capital ratio | 13.5145% | 3,609 |
| Total risk-based capital ratio | 14.7741% | 3,512 |
| Memoranda: | ||
| Average total assets | $90,287,670 | 4,345 |
| Average earning assets | $85,205,670 | 4,310 |
| Average equity | $10,193,000 | 4,356 |
| Average total loans | $65,853,330 | 4,021 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,504 |
| Cost of funding earning assets | 1.0344% | 318 |
| Net interest margin | 3.5880% | 3,228 |
| Noninterest income to average assets | 0.2537% | 4,489 |
| Noninterest expense to average assets | 2.1608% | 4,505 |
| Loan and lease loss provision to assets | 0.3543% | 344 |
| Net operating income to assets | 0.9710% | 2,982 |
| Return on assets (ROA) | 0.9710% | 3,012 |
| Pretax return on assets | 1.1372% | 3,015 |
| Return on Equity (ROE) | 8.7999% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.4125% | 2,095 |
| Net charge-offs to loans | -0.0125% | 4,343 |
| Credit loss provision to net charge-offs | -4,050.0000% | 4,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1617% | 4,189 |
| Assets per employee ($millions) | 4.8924% | 2,617 |
| Cash dividends to net income (ytd only)* | 15.7658% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1006% | 449 |
| Loan loss allowance to noncurrent loans | 32.7130% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 4.7591% | 104 |
| Noncurrent loans to loans | 6.4213% | 91 |
| Net loans and leases to total assets | 72.5571% | 2,082 |
| Net loans and leases to deposits | 83.2543% | 2,477 |
| Net loans and leases to core deposits | 90.4197% | 2,417 |
| Total domestic deposits to total assets | 87.1512% | 2,063 |
| Equity capital to assets | 11.5497% | 2,091 |
| Core capital (leverage) ratio | 11.2383% | 2,216 |
| Tier 1 risk-based capital ratio | 13.8694% | 3,452 |
| Total risk-based capital ratio | 15.1260% | 3,364 |
| Memoranda: | ||
| Average total assets | $91,449,500 | 4,379 |
| Average earning assets | $86,622,000 | 4,330 |
| Average equity | $10,091,000 | 4,415 |
| Average total loans | $64,124,000 | 4,091 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 490 |
| Cost of funding earning assets | 0.9962% | 218 |
| Net interest margin | 4.1489% | 1,304 |
| Noninterest income to average assets | 0.3107% | 4,236 |
| Noninterest expense to average assets | 2.0052% | 4,950 |
| Loan and lease loss provision to assets | 0.3634% | 425 |
| Net operating income to assets | 1.0846% | 1,913 |
| Return on assets (ROA) | 1.0846% | 1,937 |
| Pretax return on assets | 1.8527% | 683 |
| Return on Equity (ROE) | 9.8376% | 1,956 |
| Retained earnings to average equity (ytd only) | 9.4736% | 424 |
| Net charge-offs to loans | 0.1846% | 1,365 |
| Credit loss provision to net charge-offs | 264.1667% | 1,063 |
| Earnings coverage of net charge-offs (x) | 16.1083% | 2,201 |
| Efficiency ratio | 47.5014% | 5,341 |
| Assets per employee ($millions) | 4.9914% | 2,486 |
| Cash dividends to net income (ytd only)* | 3.6998% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0451% | 491 |
| Loan loss allowance to noncurrent loans | 52.3364% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.5950% | 348 |
| Noncurrent loans to loans | 3.9075% | 250 |
| Net loans and leases to total assets | 65.0523% | 3,219 |
| Net loans and leases to deposits | 73.7575% | 3,539 |
| Net loans and leases to core deposits | 79.2806% | 3,474 |
| Total domestic deposits to total assets | 88.1975% | 1,398 |
| Equity capital to assets | 10.5561% | 3,103 |
| Core capital (leverage) ratio | 10.8727% | 2,451 |
| Tier 1 risk-based capital ratio | 13.8302% | 3,458 |
| Total risk-based capital ratio | 15.0860% | 3,362 |
| Memoranda: | ||
| Average total assets | $87,223,000 | 4,472 |
| Average earning assets | $82,214,800 | 4,431 |
| Average equity | $9,616,200 | 4,507 |
| Average total loans | $65,015,000 | 4,071 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 360 |
| Cost of funding earning assets | 0.9831% | 213 |
| Net interest margin | 4.2910% | 944 |
| Noninterest income to average assets | 0.3360% | 4,128 |
| Noninterest expense to average assets | 2.0597% | 4,831 |
| Loan and lease loss provision to assets | 0.4954% | 239 |
| Net operating income to assets | 1.3205% | 1,270 |
| Return on assets (ROA) | 1.3205% | 1,303 |
| Pretax return on assets | 1.8190% | 844 |
| Return on Equity (ROE) | 11.8376% | 1,385 |
| Retained earnings to average equity (ytd only) | 11.3472% | 363 |
| Net charge-offs to loans | 0.2971% | 711 |
| Credit loss provision to net charge-offs | 217.1233% | 1,269 |
| Earnings coverage of net charge-offs (x) | 10.1439% | 2,624 |
| Efficiency ratio | 47.0882% | 5,381 |
| Assets per employee ($millions) | 4.8623% | 2,616 |
| Cash dividends to net income (ytd only)* | 4.1424% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 822 |
| Loan loss allowance to noncurrent loans | 33.2368% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 4.3384% | 145 |
| Noncurrent loans to loans | 5.4791% | 130 |
| Net loans and leases to total assets | 77.7391% | 1,308 |
| Net loans and leases to deposits | 88.5750% | 1,976 |
| Net loans and leases to core deposits | 98.2668% | 1,864 |
| Total domestic deposits to total assets | 87.7664% | 1,490 |
| Equity capital to assets | 11.3641% | 2,500 |
| Core capital (leverage) ratio | 11.7348% | 1,862 |
| Tier 1 risk-based capital ratio | 12.6709% | 4,226 |
| Total risk-based capital ratio | 13.9245% | 4,113 |
| Memoranda: | ||
| Average total assets | $85,319,750 | 4,541 |
| Average earning assets | $80,291,000 | 4,505 |
| Average equity | $9,517,500 | 4,571 |
| Average total loans | $65,523,500 | 4,092 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2203% | 381 |
| Cost of funding earning assets | 0.9448% | 232 |
| Net interest margin | 4.2755% | 921 |
| Noninterest income to average assets | 0.3665% | 3,934 |
| Noninterest expense to average assets | 2.1256% | 4,730 |
| Loan and lease loss provision to assets | 0.6289% | 177 |
| Net operating income to assets | 1.2744% | 1,366 |
| Return on assets (ROA) | 1.2744% | 1,392 |
| Pretax return on assets | 1.6457% | 1,207 |
| Return on Equity (ROE) | 11.4991% | 1,466 |
| Retained earnings to average equity (ytd only) | 11.1791% | 413 |
| Net charge-offs to loans | 0.4855% | 407 |
| Credit loss provision to net charge-offs | 170.5128% | 1,403 |
| Earnings coverage of net charge-offs (x) | 6.1667% | 2,738 |
| Efficiency ratio | 48.3074% | 5,384 |
| Assets per employee ($millions) | 4.5314% | 3,052 |
| Cash dividends to net income (ytd only)* | 2.7829% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 930 |
| Loan loss allowance to noncurrent loans | 35.8936% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 3.8863% | 181 |
| Noncurrent loans to loans | 4.9464% | 155 |
| Net loans and leases to total assets | 77.1734% | 1,366 |
| Net loans and leases to deposits | 87.7693% | 2,016 |
| Net loans and leases to core deposits | 93.4107% | 2,206 |
| Total domestic deposits to total assets | 87.9276% | 1,493 |
| Equity capital to assets | 11.2187% | 2,572 |
| Core capital (leverage) ratio | 11.4794% | 1,979 |
| Tier 1 risk-based capital ratio | 12.6702% | 4,197 |
| Total risk-based capital ratio | 13.9229% | 4,114 |
| Memoranda: | ||
| Average total assets | $84,586,000 | 4,579 |
| Average earning assets | $79,804,000 | 4,534 |
| Average equity | $9,374,670 | 4,614 |
| Average total loans | $64,264,670 | 4,144 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7942% | 756 |
| Cost of funding earning assets | 0.8831% | 308 |
| Net interest margin | 3.9111% | 1,742 |
| Noninterest income to average assets | 0.2624% | 4,660 |
| Noninterest expense to average assets | 2.3381% | 4,300 |
| Loan and lease loss provision to assets | 0.0763% | 2,284 |
| Net operating income to assets | 1.0927% | 1,901 |
| Return on assets (ROA) | 1.0927% | 1,942 |
| Pretax return on assets | 1.5460% | 1,389 |
| Return on Equity (ROE) | 9.9215% | 1,992 |
| Retained earnings to average equity (ytd only) | 9.2716% | 994 |
| Net charge-offs to loans | 0.0320% | 2,130 |
| Credit loss provision to net charge-offs | 320.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 736 |
| Efficiency ratio | 59.0361% | 4,586 |
| Assets per employee ($millions) | 4.4193% | 3,296 |
| Cash dividends to net income (ytd only)* | 6.5502% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7200% | 1,104 |
| Loan loss allowance to noncurrent loans | 28.1986% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 4.6542% | 135 |
| Noncurrent loans to loans | 6.0997% | 108 |
| Net loans and leases to total assets | 74.9902% | 1,576 |
| Net loans and leases to deposits | 85.1861% | 2,133 |
| Net loans and leases to core deposits | 90.5401% | 2,307 |
| Total domestic deposits to total assets | 88.0310% | 1,697 |
| Equity capital to assets | 11.1294% | 2,504 |
| Core capital (leverage) ratio | 11.2713% | 2,126 |
| Tier 1 risk-based capital ratio | 12.8234% | 4,185 |
| Total risk-based capital ratio | 14.0757% | 4,085 |
| Memoranda: | ||
| Average total assets | $83,830,500 | 4,642 |
| Average earning assets | $79,262,500 | 4,590 |
| Average equity | $9,232,500 | 4,671 |
| Average total loans | $62,574,500 | 4,220 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 702 |
| Cost of funding earning assets | 0.7192% | 745 |
| Net interest margin | 4.2023% | 1,111 |
| Noninterest income to average assets | 0.3116% | 4,507 |
| Noninterest expense to average assets | 2.2419% | 4,671 |
| Loan and lease loss provision to assets | 0.3762% | 436 |
| Net operating income to assets | 1.0124% | 2,299 |
| Return on assets (ROA) | 1.0124% | 2,400 |
| Pretax return on assets | 1.6291% | 1,191 |
| Return on Equity (ROE) | 9.0062% | 2,410 |
| Retained earnings to average equity (ytd only) | 7.6950% | 966 |
| Net charge-offs to loans | 0.3417% | 799 |
| Credit loss provision to net charge-offs | 144.7761% | 1,892 |
| Earnings coverage of net charge-offs (x) | 7.7164% | 2,972 |
| Efficiency ratio | 52.7854% | 5,325 |
| Assets per employee ($millions) | 5.5796% | 1,800 |
| Cash dividends to net income (ytd only)* | 14.5594% | 3,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 968 |
| Loan loss allowance to noncurrent loans | 37.5516% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 3.4746% | 252 |
| Noncurrent loans to loans | 4.7610% | 181 |
| Net loans and leases to total assets | 71.6754% | 2,209 |
| Net loans and leases to deposits | 81.0112% | 2,778 |
| Net loans and leases to core deposits | 85.1159% | 2,918 |
| Total domestic deposits to total assets | 88.4759% | 1,390 |
| Equity capital to assets | 10.8968% | 2,717 |
| Core capital (leverage) ratio | 11.5216% | 1,913 |
| Tier 1 risk-based capital ratio | 13.0395% | 4,044 |
| Total risk-based capital ratio | 14.2928% | 3,955 |
| Memoranda: | ||
| Average total assets | $77,343,800 | 4,782 |
| Average earning assets | $72,437,200 | 4,750 |
| Average equity | $8,694,000 | 4,802 |
| Average total loans | $58,817,600 | 4,338 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 821 |
| Cost of funding earning assets | 0.7016% | 807 |
| Net interest margin | 4.1399% | 1,277 |
| Noninterest income to average assets | 0.2939% | 4,663 |
| Noninterest expense to average assets | 2.4165% | 4,233 |
| Loan and lease loss provision to assets | 0.4858% | 262 |
| Net operating income to assets | 0.8078% | 3,330 |
| Return on assets (ROA) | 0.8078% | 3,469 |
| Pretax return on assets | 1.2549% | 2,599 |
| Return on Equity (ROE) | 7.1264% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.3565% | 2,581 |
| Net charge-offs to loans | 0.4463% | 476 |
| Credit loss provision to net charge-offs | 141.5385% | 1,850 |
| Earnings coverage of net charge-offs (x) | 5.0718% | 3,179 |
| Efficiency ratio | 58.1287% | 4,795 |
| Assets per employee ($millions) | 4.3031% | 3,411 |
| Cash dividends to net income (ytd only)* | 24.8374% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 1,193 |
| Loan loss allowance to noncurrent loans | 21.4711% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 6.5122% | 86 |
| Noncurrent loans to loans | 7.9702% | 61 |
| Net loans and leases to total assets | 80.3086% | 845 |
| Net loans and leases to deposits | 97.2788% | 924 |
| Net loans and leases to core deposits | 103.0329% | 1,414 |
| Total domestic deposits to total assets | 82.5550% | 3,758 |
| Equity capital to assets | 11.4027% | 2,599 |
| Core capital (leverage) ratio | 11.4563% | 2,067 |
| Tier 1 risk-based capital ratio | 12.2702% | 4,628 |
| Total risk-based capital ratio | 13.5233% | 4,526 |
| Memoranda: | ||
| Average total assets | $75,756,250 | 4,856 |
| Average earning assets | $70,692,250 | 4,824 |
| Average equity | $8,587,500 | 4,870 |
| Average total loans | $58,252,000 | 4,379 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,271 |
| Cost of funding earning assets | 0.6625% | 978 |
| Net interest margin | 3.9351% | 1,859 |
| Noninterest income to average assets | 0.3006% | 4,638 |
| Noninterest expense to average assets | 2.5642% | 3,839 |
| Loan and lease loss provision to assets | 0.5080% | 256 |
| Net operating income to assets | 0.6198% | 4,188 |
| Return on assets (ROA) | 0.6198% | 4,318 |
| Pretax return on assets | 0.9097% | 3,920 |
| Return on Equity (ROE) | 5.4785% | 4,297 |
| Retained earnings to average equity (ytd only) | 2.7980% | 4,116 |
| Net charge-offs to loans | 0.0283% | 2,919 |
| Credit loss provision to net charge-offs | 2,387.5000% | 183 |
| Earnings coverage of net charge-offs (x) | 66.6250% | 810 |
| Efficiency ratio | 64.3955% | 3,947 |
| Assets per employee ($millions) | 3.7142% | 4,417 |
| Cash dividends to net income (ytd only)* | 48.9270% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 805 |
| Loan loss allowance to noncurrent loans | 22.5696% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 6.7257% | 88 |
| Noncurrent loans to loans | 8.6719% | 52 |
| Net loans and leases to total assets | 76.0394% | 1,489 |
| Net loans and leases to deposits | 86.1000% | 2,241 |
| Net loans and leases to core deposits | 94.9918% | 2,066 |
| Total domestic deposits to total assets | 88.3152% | 1,268 |
| Equity capital to assets | 11.0424% | 3,017 |
| Core capital (leverage) ratio | 11.4331% | 2,039 |
| Tier 1 risk-based capital ratio | 12.3881% | 4,603 |
| Total risk-based capital ratio | 13.6434% | 4,511 |
| Memoranda: | ||
| Average total assets | $75,190,000 | 4,907 |
| Average earning assets | $70,342,000 | 4,874 |
| Average equity | $8,506,000 | 4,918 |
| Average total loans | $56,574,000 | 4,458 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 1,244 |
| Cost of funding earning assets | 0.6482% | 1,065 |
| Net interest margin | 3.9588% | 1,751 |
| Noninterest income to average assets | 0.3253% | 4,409 |
| Noninterest expense to average assets | 2.9111% | 2,672 |
| Loan and lease loss provision to assets | 0.4879% | 260 |
| Net operating income to assets | 0.5475% | 4,435 |
| Return on assets (ROA) | 0.5475% | 4,539 |
| Pretax return on assets | 0.6343% | 4,718 |
| Return on Equity (ROE) | 4.7797% | 4,589 |
| Retained earnings to average equity (ytd only) | -0.6152% | 5,223 |
| Net charge-offs to loans | 0.0073% | 2,872 |
| Credit loss provision to net charge-offs | 9,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 295 |
| Efficiency ratio | 72.1774% | 2,775 |
| Assets per employee ($millions) | 3.8967% | 4,124 |
| Cash dividends to net income (ytd only)* | 112.8713% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 857 |
| Loan loss allowance to noncurrent loans | 26.3349% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 5.5904% | 136 |
| Noncurrent loans to loans | 7.4852% | 83 |
| Net loans and leases to total assets | 73.2138% | 1,850 |
| Net loans and leases to deposits | 83.1674% | 2,408 |
| Net loans and leases to core deposits | 92.3001% | 2,159 |
| Total domestic deposits to total assets | 88.0318% | 1,622 |
| Equity capital to assets | 11.4320% | 2,506 |
| Core capital (leverage) ratio | 11.7313% | 1,809 |
| Tier 1 risk-based capital ratio | 13.0637% | 4,227 |
| Total risk-based capital ratio | 14.3186% | 4,138 |
| Memoranda: | ||
| Average total assets | $73,785,500 | 4,982 |
| Average earning assets | $69,112,000 | 4,950 |
| Average equity | $8,452,500 | 4,962 |
| Average total loans | $54,614,000 | 4,534 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 432 |
| Cost of funding earning assets | 0.6279% | 1,191 |
| Net interest margin | 4.5701% | 585 |
| Noninterest income to average assets | 0.3224% | 4,593 |
| Noninterest expense to average assets | 2.3054% | 4,774 |
| Loan and lease loss provision to assets | 0.1681% | 1,363 |
| Net operating income to assets | 1.3326% | 1,198 |
| Return on assets (ROA) | 1.3326% | 1,234 |
| Pretax return on assets | 2.1275% | 403 |
| Return on Equity (ROE) | 12.0142% | 1,296 |
| Retained earnings to average equity (ytd only) | 10.5861% | 387 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1057% | 5,757 |
| Assets per employee ($millions) | 4.3255% | 3,347 |
| Cash dividends to net income (ytd only)* | 11.8874% | 4,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 1,041 |
| Loan loss allowance to noncurrent loans | 36.7474% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 3.7045% | 303 |
| Noncurrent loans to loans | 5.0508% | 185 |
| Net loans and leases to total assets | 71.9826% | 2,054 |
| Net loans and leases to deposits | 81.8592% | 2,606 |
| Net loans and leases to core deposits | 86.2195% | 2,779 |
| Total domestic deposits to total assets | 87.9347% | 1,666 |
| Equity capital to assets | 11.4792% | 2,380 |
| Core capital (leverage) ratio | 10.7694% | 2,633 |
| Tier 1 risk-based capital ratio | 13.7855% | 3,833 |
| Total risk-based capital ratio | 15.0394% | 3,758 |
| Memoranda: | ||
| Average total assets | $71,962,400 | 5,045 |
| Average earning assets | $67,372,200 | 5,002 |
| Average equity | $7,982,200 | 5,069 |
| Average total loans | $52,127,800 | 4,606 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 424 |
| Cost of funding earning assets | 0.6186% | 1,293 |
| Net interest margin | 4.6066% | 536 |
| Noninterest income to average assets | 0.3260% | 4,606 |
| Noninterest expense to average assets | 2.2206% | 4,992 |
| Loan and lease loss provision to assets | 0.2254% | 820 |
| Net operating income to assets | 1.4605% | 992 |
| Return on assets (ROA) | 1.4605% | 1,032 |
| Pretax return on assets | 2.1945% | 420 |
| Return on Equity (ROE) | 13.2864% | 1,062 |
| Retained earnings to average equity (ytd only) | 11.3544% | 432 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8523% | 5,874 |
| Assets per employee ($millions) | 4.3916% | 3,174 |
| Cash dividends to net income (ytd only)* | 14.5411% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 1,368 |
| Loan loss allowance to noncurrent loans | 32.6271% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 4.1095% | 278 |
| Noncurrent loans to loans | 5.3528% | 177 |
| Net loans and leases to total assets | 75.4316% | 1,472 |
| Net loans and leases to deposits | 85.3866% | 2,221 |
| Net loans and leases to core deposits | 97.1099% | 1,778 |
| Total domestic deposits to total assets | 88.3413% | 1,386 |
| Equity capital to assets | 11.1269% | 2,879 |
| Core capital (leverage) ratio | 11.5750% | 1,978 |
| Tier 1 risk-based capital ratio | 12.8616% | 4,519 |
| Total risk-based capital ratio | 14.1151% | 4,431 |
| Memoranda: | ||
| Average total assets | $71,569,750 | 5,115 |
| Average earning assets | $67,032,250 | 5,074 |
| Average equity | $7,867,500 | 5,150 |
| Average total loans | $51,676,750 | 4,667 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9201% | 696 |
| Cost of funding earning assets | 0.5996% | 1,420 |
| Net interest margin | 4.3205% | 884 |
| Noninterest income to average assets | 0.2155% | 5,404 |
| Noninterest expense to average assets | 2.4015% | 4,543 |
| Loan and lease loss provision to assets | 0.1333% | 1,643 |
| Net operating income to assets | 1.1228% | 1,866 |
| Return on assets (ROA) | 1.1228% | 1,953 |
| Pretax return on assets | 1.7465% | 987 |
| Return on Equity (ROE) | 10.2577% | 1,952 |
| Retained earnings to average equity (ytd only) | 7.3048% | 1,568 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0927% | 5,419 |
| Assets per employee ($millions) | 3.9854% | 3,913 |
| Cash dividends to net income (ytd only)* | 28.7879% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 1,592 |
| Loan loss allowance to noncurrent loans | 40.5157% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 3.1894% | 490 |
| Noncurrent loans to loans | 4.2038% | 341 |
| Net loans and leases to total assets | 74.5780% | 1,572 |
| Net loans and leases to deposits | 84.5930% | 2,240 |
| Net loans and leases to core deposits | 87.8951% | 2,565 |
| Total domestic deposits to total assets | 88.1609% | 1,571 |
| Equity capital to assets | 10.9860% | 2,894 |
| Core capital (leverage) ratio | 11.3520% | 2,116 |
| Tier 1 risk-based capital ratio | 12.9021% | 4,574 |
| Total risk-based capital ratio | 14.1543% | 4,489 |
| Memoranda: | ||
| Average total assets | $70,540,670 | 5,200 |
| Average earning assets | $66,381,000 | 5,144 |
| Average equity | $7,721,000 | 5,217 |
| Average total loans | $49,797,000 | 4,757 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 785 |
| Cost of funding earning assets | 0.6112% | 1,357 |
| Net interest margin | 4.2362% | 1,001 |
| Noninterest income to average assets | 0.2288% | 5,319 |
| Noninterest expense to average assets | 2.5735% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1781% | 1,611 |
| Return on assets (ROA) | 1.1781% | 1,712 |
| Pretax return on assets | 1.6585% | 1,138 |
| Return on Equity (ROE) | 10.7839% | 1,700 |
| Retained earnings to average equity (ytd only) | 4.8161% | 3,168 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8108% | 4,988 |
| Assets per employee ($millions) | 3.6573% | 4,595 |
| Cash dividends to net income (ytd only)* | 55.3398% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 1,482 |
| Loan loss allowance to noncurrent loans | 64.2336% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9715% | 1,212 |
| Noncurrent loans to loans | 2.8172% | 813 |
| Net loans and leases to total assets | 68.7159% | 2,331 |
| Net loans and leases to deposits | 77.8715% | 2,824 |
| Net loans and leases to core deposits | 82.1887% | 2,948 |
| Total domestic deposits to total assets | 88.2427% | 1,691 |
| Equity capital to assets | 11.0938% | 2,871 |
| Core capital (leverage) ratio | 10.7943% | 2,630 |
| Tier 1 risk-based capital ratio | 13.6357% | 4,260 |
| Total risk-based capital ratio | 14.8893% | 4,164 |
| Memoranda: | ||
| Average total assets | $69,942,500 | 5,260 |
| Average earning assets | $66,096,500 | 5,202 |
| Average equity | $7,641,000 | 5,274 |
| Average total loans | $47,482,000 | 4,869 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0908% | 649 |
| Cost of funding earning assets | 0.6444% | 1,446 |
| Net interest margin | 4.4464% | 820 |
| Noninterest income to average assets | 0.3224% | 4,812 |
| Noninterest expense to average assets | 2.2869% | 5,143 |
| Loan and lease loss provision to assets | 0.1683% | 1,550 |
| Net operating income to assets | 1.2583% | 1,408 |
| Return on assets (ROA) | 1.2583% | 1,463 |
| Pretax return on assets | 2.0023% | 512 |
| Return on Equity (ROE) | 11.2218% | 1,648 |
| Retained earnings to average equity (ytd only) | 10.7308% | 411 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3056% | 6,026 |
| Assets per employee ($millions) | 3.9109% | 4,140 |
| Cash dividends to net income (ytd only)* | 4.3750% | 4,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8993% | 1,315 |
| Loan loss allowance to noncurrent loans | 69.0196% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.8112% | 1,442 |
| Noncurrent loans to loans | 2.7518% | 874 |
| Net loans and leases to total assets | 64.5690% | 3,132 |
| Net loans and leases to deposits | 73.0830% | 3,546 |
| Net loans and leases to core deposits | 77.0733% | 3,604 |
| Total domestic deposits to total assets | 88.3502% | 1,595 |
| Equity capital to assets | 10.7577% | 3,171 |
| Core capital (leverage) ratio | 11.2358% | 2,186 |
| Tier 1 risk-based capital ratio | 13.4721% | 4,431 |
| Total risk-based capital ratio | 14.7256% | 4,368 |
| Memoranda: | ||
| Average total assets | $63,578,200 | 5,458 |
| Average earning assets | $59,126,400 | 5,420 |
| Average equity | $7,129,000 | 5,386 |
| Average total loans | $46,730,000 | 4,927 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 467 |
| Cost of funding earning assets | 0.6659% | 1,350 |
| Net interest margin | 4.5913% | 628 |
| Noninterest income to average assets | 0.3469% | 4,668 |
| Noninterest expense to average assets | 2.4436% | 4,685 |
| Loan and lease loss provision to assets | 0.2306% | 960 |
| Net operating income to assets | 1.3123% | 1,340 |
| Return on assets (ROA) | 1.3123% | 1,396 |
| Pretax return on assets | 1.9221% | 681 |
| Return on Equity (ROE) | 11.5700% | 1,600 |
| Retained earnings to average equity (ytd only) | 10.9050% | 530 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1646% | 5,906 |
| Assets per employee ($millions) | 4.7518% | 2,590 |
| Cash dividends to net income (ytd only)* | 5.7477% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 1,895 |
| Loan loss allowance to noncurrent loans | 58.8629% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.4202% | 1,107 |
| Noncurrent loans to loans | 2.9338% | 917 |
| Net loans and leases to total assets | 81.0678% | 596 |
| Net loans and leases to deposits | 94.3888% | 1,004 |
| Net loans and leases to core deposits | 100.0819% | 1,360 |
| Total domestic deposits to total assets | 85.8870% | 2,907 |
| Equity capital to assets | 11.9308% | 2,118 |
| Core capital (leverage) ratio | 11.9354% | 1,733 |
| Tier 1 risk-based capital ratio | 13.1834% | 4,743 |
| Total risk-based capital ratio | 14.4378% | 4,675 |
| Memoranda: | ||
| Average total assets | $61,873,750 | 5,567 |
| Average earning assets | $57,266,500 | 5,535 |
| Average equity | $7,018,000 | 5,458 |
| Average total loans | $46,829,000 | 4,971 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 864 |
| Cost of funding earning assets | 0.6716% | 1,366 |
| Net interest margin | 4.2558% | 1,127 |
| Noninterest income to average assets | 0.2843% | 5,145 |
| Noninterest expense to average assets | 2.5910% | 4,270 |
| Loan and lease loss provision to assets | 0.1389% | 1,784 |
| Net operating income to assets | 1.0435% | 2,147 |
| Return on assets (ROA) | 1.0435% | 2,207 |
| Pretax return on assets | 1.5055% | 1,523 |
| Return on Equity (ROE) | 9.3614% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.3470% | 1,191 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1747% | 5,121 |
| Assets per employee ($millions) | 3.8337% | 4,191 |
| Cash dividends to net income (ytd only)* | 10.8359% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 2,167 |
| Loan loss allowance to noncurrent loans | 46.2847% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 2.8742% | 905 |
| Noncurrent loans to loans | 3.6462% | 709 |
| Net loans and leases to total assets | 77.4972% | 978 |
| Net loans and leases to deposits | 88.6006% | 1,522 |
| Net loans and leases to core deposits | 93.8779% | 1,788 |
| Total domestic deposits to total assets | 87.4680% | 2,209 |
| Equity capital to assets | 11.5864% | 2,339 |
| Core capital (leverage) ratio | 11.7559% | 1,819 |
| Tier 1 risk-based capital ratio | 13.0924% | 4,858 |
| Total risk-based capital ratio | 14.3458% | 4,788 |
| Memoranda: | ||
| Average total assets | $61,907,330 | 5,614 |
| Average earning assets | $57,474,330 | 5,574 |
| Average equity | $6,900,670 | 5,508 |
| Average total loans | $45,452,670 | 5,054 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 1,350 |
| Cost of funding earning assets | 0.6378% | 1,666 |
| Net interest margin | 4.0207% | 1,682 |
| Noninterest income to average assets | 0.2766% | 5,159 |
| Noninterest expense to average assets | 2.8493% | 3,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7461% | 3,445 |
| Return on assets (ROA) | 0.7461% | 3,528 |
| Pretax return on assets | 1.1577% | 2,665 |
| Return on Equity (ROE) | 6.8260% | 3,577 |
| Retained earnings to average equity (ytd only) | 4.7665% | 3,256 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1075% | 3,644 |
| Assets per employee ($millions) | 3.2500% | 5,448 |
| Cash dividends to net income (ytd only)* | 30.1724% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 2,359 |
| Loan loss allowance to noncurrent loans | 38.3813% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.2615% | 823 |
| Noncurrent loans to loans | 4.4273% | 557 |
| Net loans and leases to total assets | 72.4162% | 1,515 |
| Net loans and leases to deposits | 82.2624% | 2,023 |
| Net loans and leases to core deposits | 86.5904% | 2,253 |
| Total domestic deposits to total assets | 88.0308% | 2,220 |
| Equity capital to assets | 11.1093% | 2,618 |
| Core capital (leverage) ratio | 11.1173% | 2,284 |
| Tier 1 risk-based capital ratio | 13.2273% | 4,875 |
| Total risk-based capital ratio | 14.4802% | 4,808 |
| Memoranda: | ||
| Average total assets | $62,191,500 | 5,660 |
| Average earning assets | $57,701,000 | 5,619 |
| Average equity | $6,797,500 | 5,567 |
| Average total loans | $44,003,000 | 5,164 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 580 |
| Cost of funding earning assets | 0.7190% | 1,683 |
| Net interest margin | 4.5282% | 696 |
| Noninterest income to average assets | 0.3276% | 4,993 |
| Noninterest expense to average assets | 2.4903% | 4,791 |
| Loan and lease loss provision to assets | 0.1321% | 2,660 |
| Net operating income to assets | 1.1474% | 1,767 |
| Return on assets (ROA) | 1.1474% | 1,832 |
| Pretax return on assets | 1.8746% | 641 |
| Return on Equity (ROE) | 10.3110% | 1,988 |
| Retained earnings to average equity (ytd only) | 9.3092% | 706 |
| Net charge-offs to loans | 0.0500% | 4,524 |
| Credit loss provision to net charge-offs | 366.6667% | 625 |
| Earnings coverage of net charge-offs (x) | 55.7143% | 729 |
| Efficiency ratio | 55.3776% | 6,012 |
| Assets per employee ($millions) | 3.9146% | 4,038 |
| Cash dividends to net income (ytd only)* | 9.7160% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 2,013 |
| Loan loss allowance to noncurrent loans | 133.7370% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 3,595 |
| Noncurrent loans to loans | 1.3595% | 2,867 |
| Net loans and leases to total assets | 66.6470% | 2,587 |
| Net loans and leases to deposits | 75.4915% | 3,028 |
| Net loans and leases to core deposits | 79.3910% | 3,197 |
| Total domestic deposits to total assets | 88.2841% | 2,013 |
| Equity capital to assets | 10.7531% | 2,874 |
| Core capital (leverage) ratio | 11.2134% | 2,183 |
| Tier 1 risk-based capital ratio | 13.5910% | 4,587 |
| Total risk-based capital ratio | 14.8438% | 4,533 |
| Memoranda: | ||
| Average total assets | $58,306,600 | 5,800 |
| Average earning assets | $53,685,400 | 5,777 |
| Average equity | $6,488,200 | 5,698 |
| Average total loans | $42,028,000 | 5,266 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 576 |
| Cost of funding earning assets | 0.7367% | 1,690 |
| Net interest margin | 4.5187% | 713 |
| Noninterest income to average assets | 0.3448% | 4,934 |
| Noninterest expense to average assets | 2.5443% | 4,576 |
| Loan and lease loss provision to assets | 0.1794% | 2,027 |
| Net operating income to assets | 1.1417% | 1,846 |
| Return on assets (ROA) | 1.1417% | 1,920 |
| Pretax return on assets | 1.7801% | 945 |
| Return on Equity (ROE) | 10.1660% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.4398% | 925 |
| Net charge-offs to loans | 0.0095% | 4,957 |
| Credit loss provision to net charge-offs | 2,566.6667% | 128 |
| Earnings coverage of net charge-offs (x) | 280.3275% | 215 |
| Efficiency ratio | 56.4925% | 5,851 |
| Assets per employee ($millions) | 3.5114% | 4,824 |
| Cash dividends to net income (ytd only)* | 7.1435% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 2,596 |
| Loan loss allowance to noncurrent loans | 95.9951% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3804% | 2,890 |
| Noncurrent loans to loans | 1.7812% | 2,524 |
| Net loans and leases to total assets | 76.1735% | 981 |
| Net loans and leases to deposits | 91.2449% | 1,041 |
| Net loans and leases to core deposits | 98.0634% | 1,238 |
| Total domestic deposits to total assets | 83.4824% | 4,387 |
| Equity capital to assets | 11.0916% | 2,677 |
| Core capital (leverage) ratio | 11.6022% | 1,949 |
| Tier 1 risk-based capital ratio | 12.7110% | 5,318 |
| Total risk-based capital ratio | 13.9637% | 5,262 |
| Memoranda: | ||
| Average total assets | $57,225,000 | 5,899 |
| Average earning assets | $52,669,000 | 5,878 |
| Average equity | $6,426,500 | 5,780 |
| Average total loans | $41,906,000 | 5,316 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 806 |
| Cost of funding earning assets | 0.7417% | 1,757 |
| Net interest margin | 4.3351% | 967 |
| Noninterest income to average assets | 0.3759% | 4,704 |
| Noninterest expense to average assets | 2.6878% | 4,077 |
| Loan and lease loss provision to assets | 0.0177% | 4,543 |
| Net operating income to assets | 1.0922% | 1,946 |
| Return on assets (ROA) | 1.0922% | 2,067 |
| Pretax return on assets | 1.6702% | 1,184 |
| Return on Equity (ROE) | 9.6830% | 2,327 |
| Retained earnings to average equity (ytd only) | 8.5827% | 1,261 |
| Net charge-offs to loans | 0.0148% | 4,548 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 158.6667% | 313 |
| Efficiency ratio | 61.4263% | 5,257 |
| Assets per employee ($millions) | 3.4928% | 4,871 |
| Cash dividends to net income (ytd only)* | 11.3636% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,976 |
| Loan loss allowance to noncurrent loans | 194.8509% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 4,576 |
| Noncurrent loans to loans | 0.8476% | 4,226 |
| Net loans and leases to total assets | 76.6176% | 910 |
| Net loans and leases to deposits | 88.3389% | 1,302 |
| Net loans and leases to core deposits | 93.0703% | 1,605 |
| Total domestic deposits to total assets | 86.7314% | 2,984 |
| Equity capital to assets | 11.4738% | 2,325 |
| Core capital (leverage) ratio | 11.7367% | 1,775 |
| Tier 1 risk-based capital ratio | 13.1815% | 5,004 |
| Total risk-based capital ratio | 14.4341% | 4,945 |
| Memoranda: | ||
| Average total assets | $56,402,000 | 5,962 |
| Average earning assets | $52,040,330 | 5,936 |
| Average equity | $6,361,670 | 5,835 |
| Average total loans | $40,454,000 | 5,409 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 1,112 |
| Cost of funding earning assets | 0.7477% | 1,869 |
| Net interest margin | 4.1427% | 1,348 |
| Noninterest income to average assets | 0.3318% | 5,043 |
| Noninterest expense to average assets | 2.8803% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0448% | 2,059 |
| Return on assets (ROA) | 1.0448% | 2,165 |
| Pretax return on assets | 1.2848% | 2,274 |
| Return on Equity (ROE) | 9.3427% | 2,332 |
| Retained earnings to average equity (ytd only) | 7.1333% | 2,095 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1525% | 4,124 |
| Assets per employee ($millions) | 3.4575% | 5,071 |
| Cash dividends to net income (ytd only)* | 23.6486% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 2,715 |
| Loan loss allowance to noncurrent loans | 285.6574% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 4,747 |
| Noncurrent loans to loans | 0.6211% | 4,888 |
| Net loans and leases to total assets | 71.7498% | 1,394 |
| Net loans and leases to deposits | 82.0506% | 1,821 |
| Net loans and leases to core deposits | 86.4523% | 2,064 |
| Total domestic deposits to total assets | 87.4458% | 2,661 |
| Equity capital to assets | 11.5492% | 2,368 |
| Core capital (leverage) ratio | 11.7426% | 1,712 |
| Tier 1 risk-based capital ratio | 13.5217% | 4,855 |
| Total risk-based capital ratio | 14.7750% | 4,811 |
| Memoranda: | ||
| Average total assets | $56,661,000 | 6,006 |
| Average earning assets | $52,429,000 | 5,968 |
| Average equity | $6,336,500 | 5,903 |
| Average total loans | $38,913,000 | 5,510 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3074% | 916 |
| Cost of funding earning assets | 0.9163% | 1,841 |
| Net interest margin | 4.3911% | 1,177 |
| Noninterest income to average assets | 0.3492% | 4,971 |
| Noninterest expense to average assets | 2.4789% | 5,167 |
| Loan and lease loss provision to assets | 0.0721% | 4,832 |
| Net operating income to assets | 1.2224% | 1,523 |
| Return on assets (ROA) | 1.2224% | 1,694 |
| Pretax return on assets | 1.8734% | 789 |
| Return on Equity (ROE) | 10.6566% | 1,918 |
| Retained earnings to average equity (ytd only) | 7.7111% | 1,230 |
| Net charge-offs to loans | -0.0425% | 6,676 |
| Credit loss provision to net charge-offs | -237.5000% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0275% | 6,055 |
| Assets per employee ($millions) | 4.8335% | 2,444 |
| Cash dividends to net income (ytd only)* | 27.6398% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 2,247 |
| Loan loss allowance to noncurrent loans | 174.4526% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8948% | 4,257 |
| Noncurrent loans to loans | 1.0984% | 4,009 |
| Net loans and leases to total assets | 63.2737% | 3,012 |
| Net loans and leases to deposits | 71.7961% | 3,444 |
| Net loans and leases to core deposits | 76.5301% | 3,461 |
| Total domestic deposits to total assets | 88.1297% | 2,146 |
| Equity capital to assets | 10.8341% | 3,138 |
| Core capital (leverage) ratio | 10.9239% | 2,315 |
| Tier 1 risk-based capital ratio | 13.6785% | 4,620 |
| Total risk-based capital ratio | 14.9323% | 4,564 |
| Memoranda: | ||
| Average total assets | $52,684,600 | 6,126 |
| Average earning assets | $48,894,200 | 6,090 |
| Average equity | $6,043,200 | 6,009 |
| Average total loans | $37,641,200 | 5,604 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 711 |
| Cost of funding earning assets | 0.9538% | 1,836 |
| Net interest margin | 4.5283% | 938 |
| Noninterest income to average assets | 0.3557% | 4,978 |
| Noninterest expense to average assets | 2.4223% | 5,335 |
| Loan and lease loss provision to assets | 0.0987% | 4,337 |
| Net operating income to assets | 1.3267% | 1,382 |
| Return on assets (ROA) | 1.3267% | 1,515 |
| Pretax return on assets | 2.0380% | 648 |
| Return on Equity (ROE) | 11.3876% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.4209% | 1,884 |
| Net charge-offs to loans | -0.0707% | 6,786 |
| Credit loss provision to net charge-offs | -190.0000% | 6,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1321% | 6,339 |
| Assets per employee ($millions) | 4.1264% | 3,634 |
| Cash dividends to net income (ytd only)* | 34.8339% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7835% | 2,853 |
| Loan loss allowance to noncurrent loans | 162.3874% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 4,633 |
| Noncurrent loans to loans | 1.0983% | 4,232 |
| Net loans and leases to total assets | 74.0171% | 1,245 |
| Net loans and leases to deposits | 84.7094% | 1,777 |
| Net loans and leases to core deposits | 90.8332% | 1,889 |
| Total domestic deposits to total assets | 87.3777% | 2,446 |
| Equity capital to assets | 11.4833% | 2,758 |
| Core capital (leverage) ratio | 11.5453% | 1,952 |
| Tier 1 risk-based capital ratio | 13.1573% | 5,124 |
| Total risk-based capital ratio | 14.4108% | 5,090 |
| Memoranda: | ||
| Average total assets | $51,355,250 | 6,237 |
| Average earning assets | $47,669,500 | 6,206 |
| Average equity | $5,983,000 | 6,095 |
| Average total loans | $37,697,250 | 5,667 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4366% | 814 |
| Cost of funding earning assets | 0.9781% | 1,891 |
| Net interest margin | 4.4586% | 1,065 |
| Noninterest income to average assets | 0.3755% | 4,832 |
| Noninterest expense to average assets | 2.3798% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4192% | 1,152 |
| Return on assets (ROA) | 1.4192% | 1,286 |
| Pretax return on assets | 2.1584% | 519 |
| Return on Equity (ROE) | 12.1202% | 1,629 |
| Retained earnings to average equity (ytd only) | 6.4483% | 2,409 |
| Net charge-offs to loans | -0.1196% | 6,891 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4390% | 6,464 |
| Assets per employee ($millions) | 6.3846% | 1,019 |
| Cash dividends to net income (ytd only)* | 46.7967% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 3,148 |
| Loan loss allowance to noncurrent loans | 158.5648% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 4,693 |
| Noncurrent loans to loans | 1.0843% | 4,355 |
| Net loans and leases to total assets | 76.6627% | 883 |
| Net loans and leases to deposits | 88.0308% | 1,363 |
| Net loans and leases to core deposits | 94.7492% | 1,529 |
| Total domestic deposits to total assets | 87.0862% | 2,727 |
| Equity capital to assets | 11.7724% | 2,346 |
| Core capital (leverage) ratio | 11.7297% | 1,764 |
| Tier 1 risk-based capital ratio | 13.2539% | 4,997 |
| Total risk-based capital ratio | 14.5067% | 4,969 |
| Memoranda: | ||
| Average total assets | $50,592,670 | 6,307 |
| Average earning assets | $47,235,000 | 6,256 |
| Average equity | $5,924,000 | 6,138 |
| Average total loans | $36,787,670 | 5,744 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 1,866 |
| Cost of funding earning assets | 0.9976% | 1,994 |
| Net interest margin | 4.0073% | 2,474 |
| Noninterest income to average assets | 0.3654% | 4,949 |
| Noninterest expense to average assets | 2.6613% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1678% | 1,835 |
| Return on assets (ROA) | 1.1678% | 2,016 |
| Pretax return on assets | 1.4697% | 1,964 |
| Return on Equity (ROE) | 10.0009% | 2,405 |
| Retained earnings to average equity (ytd only) | 10.0009% | 1,268 |
| Net charge-offs to loans | 0.0113% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 201 |
| Efficiency ratio | 64.4231% | 4,847 |
| Assets per employee ($millions) | 4.9972% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,894 |
| Loan loss allowance to noncurrent loans | 78.0660% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 3,313 |
| Noncurrent loans to loans | 2.3421% | 2,757 |
| Net loans and leases to total assets | 71.1298% | 1,546 |
| Net loans and leases to deposits | 81.8180% | 1,959 |
| Net loans and leases to core deposits | 92.8626% | 1,561 |
| Total domestic deposits to total assets | 86.9367% | 2,989 |
| Equity capital to assets | 11.8987% | 2,113 |
| Core capital (leverage) ratio | 11.5944% | 1,840 |
| Tier 1 risk-based capital ratio | 14.2218% | 4,296 |
| Total risk-based capital ratio | 15.4755% | 4,269 |
| Memoranda: | ||
| Average total assets | $50,350,500 | 6,363 |
| Average earning assets | $47,313,500 | 6,293 |
| Average equity | $5,879,500 | 6,179 |
| Average total loans | $35,260,500 | 5,860 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6929% | 793 |
| Cost of funding earning assets | 1.0938% | 2,712 |
| Net interest margin | 4.5991% | 928 |
| Noninterest income to average assets | 0.4580% | 4,160 |
| Noninterest expense to average assets | 2.2170% | 6,235 |
| Loan and lease loss provision to assets | 0.1305% | 4,989 |
| Net operating income to assets | 1.4913% | 845 |
| Return on assets (ROA) | 1.4913% | 916 |
| Pretax return on assets | 2.3807% | 261 |
| Return on Equity (ROE) | 12.3204% | 1,326 |
| Retained earnings to average equity (ytd only) | 11.6806% | 331 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8882% | 7,003 |
| Assets per employee ($millions) | 5.6366% | 1,500 |
| Cash dividends to net income (ytd only)* | 5.1929% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9322% | 2,471 |
| Loan loss allowance to noncurrent loans | 79.6875% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 3,498 |
| Noncurrent loans to loans | 2.4247% | 2,706 |
| Net loans and leases to total assets | 66.3348% | 2,723 |
| Net loans and leases to deposits | 76.2318% | 3,146 |
| Net loans and leases to core deposits | 83.3420% | 2,976 |
| Total domestic deposits to total assets | 87.0173% | 2,750 |
| Equity capital to assets | 11.4589% | 2,536 |
| Core capital (leverage) ratio | 11.7725% | 1,726 |
| Tier 1 risk-based capital ratio | 14.4179% | 4,034 |
| Total risk-based capital ratio | 15.6739% | 4,001 |
| Memoranda: | ||
| Average total assets | $45,196,000 | 6,502 |
| Average earning assets | $41,964,400 | 6,465 |
| Average equity | $5,470,600 | 6,301 |
| Average total loans | $35,140,600 | 5,906 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9422% | 519 |
| Cost of funding earning assets | 1.1154% | 2,878 |
| Net interest margin | 4.8268% | 592 |
| Noninterest income to average assets | 0.4687% | 4,142 |
| Noninterest expense to average assets | 2.3280% | 5,963 |
| Loan and lease loss provision to assets | 0.1795% | 4,232 |
| Net operating income to assets | 1.6311% | 734 |
| Return on assets (ROA) | 1.6311% | 805 |
| Pretax return on assets | 2.4254% | 282 |
| Return on Equity (ROE) | 13.2711% | 1,213 |
| Retained earnings to average equity (ytd only) | 12.4045% | 453 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1931% | 7,004 |
| Assets per employee ($millions) | 4.9610% | 2,245 |
| Cash dividends to net income (ytd only)* | 6.5305% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 3,070 |
| Loan loss allowance to noncurrent loans | 60.8257% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.4413% | 2,640 |
| Noncurrent loans to loans | 2.8937% | 2,413 |
| Net loans and leases to total assets | 82.8798% | 302 |
| Net loans and leases to deposits | 96.5180% | 671 |
| Net loans and leases to core deposits | 106.1958% | 853 |
| Total domestic deposits to total assets | 85.8698% | 3,290 |
| Equity capital to assets | 12.7125% | 1,783 |
| Core capital (leverage) ratio | 12.6075% | 1,385 |
| Tier 1 risk-based capital ratio | 13.6447% | 4,619 |
| Total risk-based capital ratio | 14.8985% | 4,585 |
| Memoranda: | ||
| Average total assets | $43,812,750 | 6,602 |
| Average earning assets | $40,522,500 | 6,561 |
| Average equity | $5,385,000 | 6,373 |
| Average total loans | $35,347,250 | 5,953 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7755% | 751 |
| Cost of funding earning assets | 1.1036% | 3,215 |
| Net interest margin | 4.6718% | 778 |
| Noninterest income to average assets | 0.4732% | 4,079 |
| Noninterest expense to average assets | 2.4441% | 5,718 |
| Loan and lease loss provision to assets | 0.0459% | 5,734 |
| Net operating income to assets | 1.5344% | 828 |
| Return on assets (ROA) | 1.5344% | 882 |
| Pretax return on assets | 2.3200% | 336 |
| Return on Equity (ROE) | 12.6324% | 1,297 |
| Retained earnings to average equity (ytd only) | 11.3086% | 618 |
| Net charge-offs to loans | -0.0347% | 6,956 |
| Credit loss provision to net charge-offs | -166.6667% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8118% | 6,884 |
| Assets per employee ($millions) | 4.3983% | 2,996 |
| Cash dividends to net income (ytd only)* | 10.4790% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 3,321 |
| Loan loss allowance to noncurrent loans | 28.7837% | 6,336 |
| Noncurrent assets plus other real estate owned to assets | 4.8973% | 1,255 |
| Noncurrent loans to loans | 5.9111% | 1,022 |
| Net loans and leases to total assets | 81.4406% | 417 |
| Net loans and leases to deposits | 94.4371% | 841 |
| Net loans and leases to core deposits | 101.8221% | 1,189 |
| Total domestic deposits to total assets | 86.2379% | 3,190 |
| Equity capital to assets | 12.4343% | 1,823 |
| Core capital (leverage) ratio | 12.4683% | 1,375 |
| Tier 1 risk-based capital ratio | 13.7134% | 4,373 |
| Total risk-based capital ratio | 14.9676% | 4,344 |
| Memoranda: | ||
| Average total assets | $43,534,000 | 6,661 |
| Average earning assets | $40,412,330 | 6,625 |
| Average equity | $5,288,000 | 6,436 |
| Average total loans | $34,573,670 | 6,047 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5005% | 1,297 |
| Cost of funding earning assets | 1.1418% | 3,216 |
| Net interest margin | 4.3587% | 1,400 |
| Noninterest income to average assets | 0.4710% | 4,110 |
| Noninterest expense to average assets | 2.7800% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3484% | 1,158 |
| Return on assets (ROA) | 1.3484% | 1,209 |
| Pretax return on assets | 1.7456% | 905 |
| Return on Equity (ROE) | 11.2362% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.2362% | 851 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4286% | 5,773 |
| Assets per employee ($millions) | 4.8354% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 3,111 |
| Loan loss allowance to noncurrent loans | 50.3753% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.7551% | 2,508 |
| Noncurrent loans to loans | 3.5048% | 2,125 |
| Net loans and leases to total assets | 77.2214% | 844 |
| Net loans and leases to deposits | 89.2187% | 1,329 |
| Net loans and leases to core deposits | 99.0801% | 1,425 |
| Total domestic deposits to total assets | 86.5530% | 3,204 |
| Equity capital to assets | 12.1120% | 1,853 |
| Core capital (leverage) ratio | 13.2372% | 1,045 |
| Tier 1 risk-based capital ratio | 14.0507% | 4,039 |
| Total risk-based capital ratio | 15.3037% | 4,018 |
| Memoranda: | ||
| Average total assets | $43,309,500 | 6,715 |
| Average earning assets | $40,287,500 | 6,676 |
| Average equity | $5,197,500 | 6,483 |
| Average total loans | $33,640,500 | 6,146 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0647% | 749 |
| Cost of funding earning assets | 1.3826% | 3,375 |
| Net interest margin | 4.6821% | 849 |
| Noninterest income to average assets | 0.4985% | 4,180 |
| Noninterest expense to average assets | 2.5098% | 5,756 |
| Loan and lease loss provision to assets | 0.2664% | 4,667 |
| Net operating income to assets | 1.2341% | 1,332 |
| Return on assets (ROA) | 1.2341% | 1,406 |
| Pretax return on assets | 1.9844% | 493 |
| Return on Equity (ROE) | 10.2066% | 1,854 |
| Retained earnings to average equity (ytd only) | 3.0923% | 3,694 |
| Net charge-offs to loans | 0.0184% | 6,630 |
| Credit loss provision to net charge-offs | 1,816.6667% | 129 |
| Earnings coverage of net charge-offs (x) | 153.5000% | 161 |
| Efficiency ratio | 52.7207% | 6,929 |
| Assets per employee ($millions) | 4.3100% | 3,181 |
| Cash dividends to net income (ytd only)* | 69.7030% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 2,775 |
| Loan loss allowance to noncurrent loans | 60.7646% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.3063% | 2,963 |
| Noncurrent loans to loans | 3.0057% | 2,545 |
| Net loans and leases to total assets | 75.3295% | 1,407 |
| Net loans and leases to deposits | 87.0032% | 1,936 |
| Net loans and leases to core deposits | 96.2128% | 1,982 |
| Total domestic deposits to total assets | 86.5824% | 3,041 |
| Equity capital to assets | 11.8886% | 1,978 |
| Core capital (leverage) ratio | 11.7892% | 1,676 |
| Tier 1 risk-based capital ratio | 13.9451% | 3,904 |
| Total risk-based capital ratio | 15.1995% | 3,870 |
| Memoranda: | ||
| Average total assets | $40,919,000 | 6,827 |
| Average earning assets | $37,248,400 | 6,831 |
| Average equity | $4,947,800 | 6,681 |
| Average total loans | $32,629,800 | 6,279 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0849% | 785 |
| Cost of funding earning assets | 1.4281% | 3,402 |
| Net interest margin | 4.6568% | 930 |
| Noninterest income to average assets | 0.5119% | 4,086 |
| Noninterest expense to average assets | 2.5329% | 5,594 |
| Loan and lease loss provision to assets | 0.3600% | 3,734 |
| Net operating income to assets | 1.1922% | 1,610 |
| Return on assets (ROA) | 1.1922% | 1,699 |
| Pretax return on assets | 1.8295% | 876 |
| Return on Equity (ROE) | 9.8153% | 2,203 |
| Retained earnings to average equity (ytd only) | 0.2447% | 5,682 |
| Net charge-offs to loans | 0.0246% | 6,330 |
| Credit loss provision to net charge-offs | 1,816.6667% | 171 |
| Earnings coverage of net charge-offs (x) | 110.4975% | 289 |
| Efficiency ratio | 53.6364% | 6,819 |
| Assets per employee ($millions) | 4.0321% | 3,765 |
| Cash dividends to net income (ytd only)* | 97.5069% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7351% | 3,036 |
| Loan loss allowance to noncurrent loans | 29.0245% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 5.1611% | 1,229 |
| Noncurrent loans to loans | 5.9782% | 1,048 |
| Net loans and leases to total assets | 84.8342% | 274 |
| Net loans and leases to deposits | 99.1823% | 706 |
| Net loans and leases to core deposits | 115.6859% | 758 |
| Total domestic deposits to total assets | 85.5336% | 3,328 |
| Equity capital to assets | 12.4526% | 1,878 |
| Core capital (leverage) ratio | 12.5582% | 1,381 |
| Tier 1 risk-based capital ratio | 13.2205% | 4,405 |
| Total risk-based capital ratio | 14.4756% | 4,381 |
| Memoranda: | ||
| Average total assets | $40,373,750 | 6,928 |
| Average earning assets | $36,505,000 | 6,939 |
| Average equity | $4,903,750 | 6,784 |
| Average total loans | $32,519,500 | 6,367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7795% | 1,482 |
| Cost of funding earning assets | 1.4600% | 3,498 |
| Net interest margin | 4.3195% | 1,706 |
| Noninterest income to average assets | 0.5298% | 3,880 |
| Noninterest expense to average assets | 2.6887% | 4,958 |
| Loan and lease loss provision to assets | 0.5348% | 2,645 |
| Net operating income to assets | 0.6140% | 3,821 |
| Return on assets (ROA) | 0.6140% | 3,956 |
| Pretax return on assets | 1.2032% | 2,403 |
| Return on Equity (ROE) | 5.0980% | 4,240 |
| Retained earnings to average equity (ytd only) | -9.3737% | 6,887 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7383% | 5,912 |
| Assets per employee ($millions) | 4.4377% | 2,987 |
| Cash dividends to net income (ytd only)* | 283.8710% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 2,793 |
| Loan loss allowance to noncurrent loans | 29.4915% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 5.1704% | 1,224 |
| Noncurrent loans to loans | 6.0266% | 1,059 |
| Net loans and leases to total assets | 84.2685% | 334 |
| Net loans and leases to deposits | 97.7605% | 897 |
| Net loans and leases to core deposits | 110.4634% | 1,137 |
| Total domestic deposits to total assets | 86.1990% | 2,975 |
| Equity capital to assets | 11.9733% | 2,114 |
| Core capital (leverage) ratio | 12.0264% | 1,630 |
| Tier 1 risk-based capital ratio | 12.8483% | 4,567 |
| Total risk-based capital ratio | 14.1044% | 4,520 |
| Memoranda: | ||
| Average total assets | $40,391,330 | 6,985 |
| Average earning assets | $36,439,330 | 6,986 |
| Average equity | $4,864,670 | 6,826 |
| Average total loans | $31,756,000 | 6,449 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8446% | 1,335 |
| Cost of funding earning assets | 1.5161% | 3,449 |
| Net interest margin | 4.3285% | 1,602 |
| Noninterest income to average assets | 0.5515% | 3,641 |
| Noninterest expense to average assets | 2.7476% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3492% | 1,186 |
| Return on assets (ROA) | 1.3492% | 1,257 |
| Pretax return on assets | 1.6840% | 1,091 |
| Return on Equity (ROE) | 11.1700% | 1,731 |
| Retained earnings to average equity (ytd only) | -17.5296% | 7,296 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0000% | 5,831 |
| Assets per employee ($millions) | 4.4856% | 2,981 |
| Cash dividends to net income (ytd only)* | 256.9343% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 3,493 |
| Loan loss allowance to noncurrent loans | 52.4059% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.3681% | 3,063 |
| Noncurrent loans to loans | 3.0353% | 2,642 |
| Net loans and leases to total assets | 76.7773% | 1,373 |
| Net loans and leases to deposits | 88.6661% | 2,101 |
| Net loans and leases to core deposits | 99.9645% | 2,134 |
| Total domestic deposits to total assets | 86.5915% | 2,849 |
| Equity capital to assets | 11.8851% | 2,113 |
| Core capital (leverage) ratio | 11.9753% | 1,664 |
| Tier 1 risk-based capital ratio | 13.6010% | 3,926 |
| Total risk-based capital ratio | 14.8532% | 3,886 |
| Memoranda: | ||
| Average total assets | $40,617,500 | 7,066 |
| Average earning assets | $36,409,500 | 7,085 |
| Average equity | $4,906,000 | 6,879 |
| Average total loans | $30,501,500 | 6,586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3385% | 955 |
| Cost of funding earning assets | 1.8717% | 3,611 |
| Net interest margin | 4.4667% | 1,248 |
| Noninterest income to average assets | 0.5860% | 3,742 |
| Noninterest expense to average assets | 2.3966% | 6,477 |
| Loan and lease loss provision to assets | 0.0264% | 7,249 |
| Net operating income to assets | 1.3910% | 866 |
| Return on assets (ROA) | 1.3910% | 924 |
| Pretax return on assets | 2.2383% | 252 |
| Return on Equity (ROE) | 10.9413% | 1,444 |
| Retained earnings to average equity (ytd only) | 3.6540% | 2,630 |
| Net charge-offs to loans | -0.0035% | 7,710 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4156% | 7,438 |
| Assets per employee ($millions) | 4.5406% | 2,857 |
| Cash dividends to net income (ytd only)* | 66.6034% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 2,896 |
| Loan loss allowance to noncurrent loans | 76.4885% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6028% | 3,971 |
| Noncurrent loans to loans | 2.2198% | 3,374 |
| Net loans and leases to total assets | 70.9801% | 3,013 |
| Net loans and leases to deposits | 82.4620% | 3,554 |
| Net loans and leases to core deposits | 121.0955% | 1,873 |
| Total domestic deposits to total assets | 86.0761% | 2,980 |
| Equity capital to assets | 12.2697% | 1,868 |
| Core capital (leverage) ratio | 12.3547% | 1,510 |
| Tier 1 risk-based capital ratio | 14.6994% | 3,099 |
| Total risk-based capital ratio | 15.9535% | 3,051 |
| Memoranda: | ||
| Average total assets | $37,886,600 | 7,175 |
| Average earning assets | $34,566,800 | 7,157 |
| Average equity | $4,816,600 | 7,015 |
| Average total loans | $28,642,000 | 6,714 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4318% | 873 |
| Cost of funding earning assets | 1.9295% | 3,725 |
| Net interest margin | 4.5022% | 1,188 |
| Noninterest income to average assets | 0.5995% | 3,714 |
| Noninterest expense to average assets | 2.3979% | 6,426 |
| Loan and lease loss provision to assets | 0.0359% | 6,997 |
| Net operating income to assets | 1.4682% | 883 |
| Return on assets (ROA) | 1.4682% | 939 |
| Pretax return on assets | 2.3118% | 280 |
| Return on Equity (ROE) | 11.4389% | 1,500 |
| Retained earnings to average equity (ytd only) | 1.6221% | 4,408 |
| Net charge-offs to loans | -0.0094% | 7,674 |
| Credit loss provision to net charge-offs | -500.0000% | 7,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5295% | 7,515 |
| Assets per employee ($millions) | 4.2517% | 3,286 |
| Cash dividends to net income (ytd only)* | 85.8193% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 2,869 |
| Loan loss allowance to noncurrent loans | 31.9135% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 4.1108% | 1,538 |
| Noncurrent loans to loans | 5.1141% | 1,267 |
| Net loans and leases to total assets | 79.0696% | 1,375 |
| Net loans and leases to deposits | 92.6535% | 2,121 |
| Net loans and leases to core deposits | 144.9250% | 731 |
| Total domestic deposits to total assets | 85.3391% | 3,058 |
| Equity capital to assets | 12.8028% | 1,783 |
| Core capital (leverage) ratio | 12.7509% | 1,470 |
| Tier 1 risk-based capital ratio | 14.2407% | 3,414 |
| Total risk-based capital ratio | 15.4940% | 3,359 |
| Memoranda: | ||
| Average total assets | $37,142,000 | 7,267 |
| Average earning assets | $34,204,500 | 7,237 |
| Average equity | $4,767,250 | 7,091 |
| Average total loans | $28,425,750 | 6,774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2233% | 1,397 |
| Cost of funding earning assets | 1.9646% | 3,944 |
| Net interest margin | 4.2587% | 1,786 |
| Noninterest income to average assets | 0.6038% | 3,661 |
| Noninterest expense to average assets | 2.4696% | 6,226 |
| Loan and lease loss provision to assets | 0.0544% | 6,678 |
| Net operating income to assets | 1.3436% | 1,131 |
| Return on assets (ROA) | 1.3436% | 1,203 |
| Pretax return on assets | 2.0181% | 538 |
| Return on Equity (ROE) | 10.4587% | 1,861 |
| Retained earnings to average equity (ytd only) | -4.4037% | 6,208 |
| Net charge-offs to loans | -0.0072% | 7,576 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3713% | 7,291 |
| Assets per employee ($millions) | 3.7954% | 4,106 |
| Cash dividends to net income (ytd only)* | 142.1053% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 2,249 |
| Loan loss allowance to noncurrent loans | 85.3492% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.5466% | 3,905 |
| Noncurrent loans to loans | 2.0254% | 3,479 |
| Net loans and leases to total assets | 75.0408% | 2,424 |
| Net loans and leases to deposits | 87.7932% | 3,202 |
| Net loans and leases to core deposits | 136.3902% | 1,190 |
| Total domestic deposits to total assets | 85.4745% | 3,026 |
| Equity capital to assets | 12.4862% | 1,929 |
| Core capital (leverage) ratio | 12.7665% | 1,518 |
| Tier 1 risk-based capital ratio | 14.5202% | 3,230 |
| Total risk-based capital ratio | 15.7743% | 3,170 |
| Memoranda: | ||
| Average total assets | $36,767,670 | 7,349 |
| Average earning assets | $34,001,330 | 7,317 |
| Average equity | $4,723,330 | 7,164 |
| Average total loans | $27,648,330 | 6,870 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1057% | 1,920 |
| Cost of funding earning assets | 2.0193% | 4,039 |
| Net interest margin | 4.0864% | 2,328 |
| Noninterest income to average assets | 0.4865% | 4,446 |
| Noninterest expense to average assets | 2.9966% | 3,782 |
| Loan and lease loss provision to assets | 0.1106% | 5,549 |
| Net operating income to assets | 0.7409% | 3,385 |
| Return on assets (ROA) | 0.7409% | 3,567 |
| Pretax return on assets | 1.1610% | 2,762 |
| Return on Equity (ROE) | 5.6834% | 4,178 |
| Retained earnings to average equity (ytd only) | -24.0908% | 7,748 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2073% | 4,527 |
| Assets per employee ($millions) | 4.0694% | 3,515 |
| Cash dividends to net income (ytd only)* | 523.8806% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 1,810 |
| Loan loss allowance to noncurrent loans | 43.5161% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 3.1372% | 1,788 |
| Noncurrent loans to loans | 4.1736% | 1,426 |
| Net loans and leases to total assets | 73.8020% | 2,809 |
| Net loans and leases to deposits | 86.0609% | 3,618 |
| Net loans and leases to core deposits | 132.8451% | 1,484 |
| Total domestic deposits to total assets | 85.7556% | 2,848 |
| Equity capital to assets | 12.4696% | 1,990 |
| Core capital (leverage) ratio | 12.5052% | 1,685 |
| Tier 1 risk-based capital ratio | 14.6949% | 3,206 |
| Total risk-based capital ratio | 15.9494% | 3,136 |
| Memoranda: | ||
| Average total assets | $36,174,500 | 7,411 |
| Average earning assets | $33,477,000 | 7,380 |
| Average equity | $4,715,500 | 7,220 |
| Average total loans | $26,981,500 | 6,937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4000% | 490 |
| Cost of funding earning assets | 2.3528% | 4,919 |
| Net interest margin | 5.0472% | 457 |
| Noninterest income to average assets | 0.5907% | 3,910 |
| Noninterest expense to average assets | 2.7438% | 5,078 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6274% | 795 |
| Return on assets (ROA) | 1.6274% | 755 |
| Pretax return on assets | 2.5164% | 189 |
| Return on Equity (ROE) | 11.8423% | 1,642 |
| Retained earnings to average equity (ytd only) | 2.4931% | 3,643 |
| Net charge-offs to loans | -0.0669% | 8,054 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1617% | 7,469 |
| Assets per employee ($millions) | 3.5724% | 4,495 |
| Cash dividends to net income (ytd only)* | 78.9474% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 1,522 |
| Loan loss allowance to noncurrent loans | 97.4155% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 1.4080% | 3,383 |
| Noncurrent loans to loans | 1.9029% | 2,895 |
| Net loans and leases to total assets | 72.6206% | 3,455 |
| Net loans and leases to deposits | 85.9979% | 4,121 |
| Net loans and leases to core deposits | 129.7215% | 1,871 |
| Total domestic deposits to total assets | 84.4446% | 3,107 |
| Equity capital to assets | 13.6155% | 1,567 |
| Core capital (leverage) ratio | 13.4926% | 1,389 |
| Tier 1 risk-based capital ratio | 16.2653% | 2,563 |
| Total risk-based capital ratio | 17.5216% | 2,499 |
| Memoranda: | ||
| Average total assets | $33,858,000 | 7,468 |
| Average earning assets | $31,324,200 | 7,445 |
| Average equity | $4,652,800 | 7,275 |
| Average total loans | $26,901,000 | 6,905 |