Home > Genoa Community Bank > Performance and Condition Ratios
Genoa Community 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 | 5.8079% | 823 |
| Cost of funding earning assets | 1.9749% | 952 |
| Net interest margin | 3.8330% | 1,506 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.7045% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0908% | 1,947 |
| Return on assets (ROA) | 1.1386% | 1,788 |
| Pretax return on assets | 1.1386% | 2,294 |
| Return on Equity (ROE) | 11.3000% | 2,146 |
| Retained earnings to average equity (ytd only) | 2.3425% | 3,495 |
| Net charge-offs to loans | -0.0042% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.2595% | 1,730 |
| Assets per employee ($millions) | 8.3176% | 1,269 |
| Cash dividends to net income (ytd only)* | 79.2621% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,411 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 68.9600% | 1,924 |
| Net loans and leases to deposits | 95.0469% | 861 |
| Net loans and leases to core deposits | 102.8902% | 1,286 |
| Total domestic deposits to total assets | 72.5500% | 4,200 |
| Equity capital to assets | 9.7518% | 2,158 |
| Core capital (leverage) ratio | 11.7655% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7558% | 1,607 |
| Memoranda: | ||
| Average total assets | $69,032,200 | 4,120 |
| Average earning assets | $63,345,000 | 4,106 |
| Average equity | $6,958,400 | 4,054 |
| Average total loans | $47,412,600 | 3,879 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7030% | 786 |
| Cost of funding earning assets | 1.8267% | 967 |
| Net interest margin | 3.8764% | 1,452 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.7623% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1049% | 2,041 |
| Return on assets (ROA) | 1.1444% | 1,914 |
| Pretax return on assets | 1.1444% | 2,444 |
| Return on Equity (ROE) | 11.2500% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.0050% | 2,928 |
| Net charge-offs to loans | -0.0058% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.4286% | 1,625 |
| Assets per employee ($millions) | 8.6091% | 1,078 |
| Cash dividends to net income (ytd only)* | 55.5172% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 2,882 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.9400% | 2,167 |
| Net loans and leases to deposits | 84.6712% | 1,679 |
| Net loans and leases to core deposits | 90.6510% | 1,885 |
| Total domestic deposits to total assets | 79.0600% | 3,684 |
| Equity capital to assets | 9.9052% | 1,879 |
| Core capital (leverage) ratio | 12.1397% | 1,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5635% | 1,186 |
| Memoranda: | ||
| Average total assets | $67,575,750 | 4,151 |
| Average earning assets | $62,187,500 | 4,132 |
| Average equity | $6,873,000 | 4,060 |
| Average total loans | $46,233,250 | 3,907 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 876 |
| Cost of funding earning assets | 1.5915% | 1,083 |
| Net interest margin | 3.8757% | 1,473 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.8685% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0425% | 2,278 |
| Return on assets (ROA) | 1.0783% | 2,184 |
| Pretax return on assets | 1.0783% | 2,698 |
| Return on Equity (ROE) | 10.5100% | 2,553 |
| Retained earnings to average equity (ytd only) | 4.2671% | 3,138 |
| Net charge-offs to loans | -0.0043% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.3435% | 1,425 |
| Assets per employee ($millions) | 8.4948% | 1,096 |
| Cash dividends to net income (ytd only)* | 59.3923% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 2,984 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 67.8900% | 1,968 |
| Net loans and leases to deposits | 81.9378% | 1,831 |
| Net loans and leases to core deposits | 87.0533% | 2,001 |
| Total domestic deposits to total assets | 82.8600% | 3,076 |
| Equity capital to assets | 10.3255% | 1,676 |
| Core capital (leverage) ratio | 12.3794% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5106% | 1,214 |
| Memoranda: | ||
| Average total assets | $67,143,333 | 4,176 |
| Average earning assets | $62,079,333 | 4,160 |
| Average equity | $6,890,000 | 4,088 |
| Average total loans | $46,105,333 | 3,920 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2857% | 842 |
| Cost of funding earning assets | 1.3814% | 1,061 |
| Net interest margin | 3.9043% | 1,474 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.0808% | 962 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7912% | 3,221 |
| Return on assets (ROA) | 0.8331% | 3,038 |
| Pretax return on assets | 0.8331% | 3,385 |
| Return on Equity (ROE) | 8.1400% | 3,252 |
| Retained earnings to average equity (ytd only) | 2.0508% | 3,697 |
| Net charge-offs to loans | -0.0087% | 3,809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.5666% | 868 |
| Assets per employee ($millions) | 7.2174% | 1,805 |
| Cash dividends to net income (ytd only)* | 74.8201% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 2,797 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 67.2200% | 1,928 |
| Net loans and leases to deposits | 78.1431% | 1,960 |
| Net loans and leases to core deposits | 81.1991% | 2,167 |
| Total domestic deposits to total assets | 86.0200% | 2,584 |
| Equity capital to assets | 10.7055% | 1,451 |
| Core capital (leverage) ratio | 12.1034% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0721% | 1,142 |
| Memoranda: | ||
| Average total assets | $66,736,000 | 4,239 |
| Average earning assets | $61,676,000 | 4,219 |
| Average equity | $6,826,500 | 4,144 |
| Average total loans | $45,833,000 | 3,962 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5296% | 684 |
| Cost of funding earning assets | 0.5362% | 1,180 |
| Net interest margin | 3.9933% | 795 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.6267% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3459% | 1,291 |
| Return on assets (ROA) | 1.2398% | 1,583 |
| Pretax return on assets | 1.2398% | 2,309 |
| Return on Equity (ROE) | 11.7000% | 2,240 |
| Retained earnings to average equity (ytd only) | 5.3619% | 2,891 |
| Net charge-offs to loans | -0.0022% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.1198% | 2,215 |
| Assets per employee ($millions) | 7.6128% | 1,536 |
| Cash dividends to net income (ytd only)* | 54.1565% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 3,031 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.5700% | 1,778 |
| Net loans and leases to deposits | 83.6473% | 1,492 |
| Net loans and leases to core deposits | 85.4469% | 1,789 |
| Total domestic deposits to total assets | 81.9800% | 3,634 |
| Equity capital to assets | 9.7774% | 1,842 |
| Core capital (leverage) ratio | 11.8972% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8620% | 1,398 |
| Memoranda: | ||
| Average total assets | $65,976,000 | 4,268 |
| Average earning assets | $61,352,600 | 4,246 |
| Average equity | $6,993,800 | 4,215 |
| Average total loans | $45,390,400 | 3,969 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3403% | 670 |
| Cost of funding earning assets | 0.4222% | 1,143 |
| Net interest margin | 3.9181% | 769 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.6404% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2855% | 1,406 |
| Return on assets (ROA) | 1.1345% | 1,926 |
| Pretax return on assets | 1.1345% | 2,615 |
| Return on Equity (ROE) | 10.4900% | 2,576 |
| Retained earnings to average equity (ytd only) | 4.5654% | 3,254 |
| Net charge-offs to loans | -0.0030% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2557% | 2,124 |
| Assets per employee ($millions) | 7.3968% | 1,679 |
| Cash dividends to net income (ytd only)* | 56.4748% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 2,935 |
| Loan loss allowance to noncurrent loans | 16,966.6667% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,968 |
| Noncurrent loans to loans | 0.0066% | 3,907 |
| Net loans and leases to total assets | 67.6500% | 1,714 |
| Net loans and leases to deposits | 77.8879% | 1,722 |
| Net loans and leases to core deposits | 80.3676% | 1,876 |
| Total domestic deposits to total assets | 86.8500% | 2,812 |
| Equity capital to assets | 9.5522% | 1,849 |
| Core capital (leverage) ratio | 11.9418% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2284% | 1,358 |
| Memoranda: | ||
| Average total assets | $65,341,250 | 4,308 |
| Average earning assets | $60,946,750 | 4,278 |
| Average equity | $7,067,500 | 4,246 |
| Average total loans | $44,865,000 | 4,002 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 646 |
| Cost of funding earning assets | 0.3258% | 1,475 |
| Net interest margin | 3.8673% | 652 |
| Noninterest income to average assets | 0.2403% | 3,732 |
| Noninterest expense to average assets | 2.6705% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1889% | 1,464 |
| Return on assets (ROA) | 0.9579% | 2,297 |
| Pretax return on assets | 0.9579% | 2,875 |
| Return on Equity (ROE) | 8.5163% | 2,861 |
| Retained earnings to average equity (ytd only) | 3.2586% | 3,369 |
| Net charge-offs to loans | -0.0045% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1939% | 2,076 |
| Assets per employee ($millions) | 7.1908% | 1,814 |
| Cash dividends to net income (ytd only)* | 61.7363% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 2,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.8323% | 1,488 |
| Net loans and leases to deposits | 76.9038% | 1,620 |
| Net loans and leases to core deposits | 79.3805% | 1,757 |
| Total domestic deposits to total assets | 88.2040% | 2,497 |
| Equity capital to assets | 10.3157% | 1,527 |
| Core capital (leverage) ratio | 11.9906% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6159% | 1,280 |
| Memoranda: | ||
| Average total assets | $64,931,333 | 4,356 |
| Average earning assets | $60,765,333 | 4,342 |
| Average equity | $7,303,667 | 4,279 |
| Average total loans | $44,639,000 | 4,058 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 662 |
| Cost of funding earning assets | 0.3339% | 1,328 |
| Net interest margin | 3.7454% | 693 |
| Noninterest income to average assets | 0.2214% | 3,828 |
| Noninterest expense to average assets | 2.6015% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1378% | 1,412 |
| Return on assets (ROA) | 0.7196% | 2,974 |
| Pretax return on assets | 0.7196% | 3,336 |
| Return on Equity (ROE) | 6.1437% | 3,311 |
| Retained earnings to average equity (ytd only) | 1.2603% | 3,761 |
| Net charge-offs to loans | -0.0089% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5724% | 2,293 |
| Assets per employee ($millions) | 7.2509% | 1,823 |
| Cash dividends to net income (ytd only)* | 79.4872% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.3682% | 1,479 |
| Net loans and leases to deposits | 74.2188% | 1,587 |
| Net loans and leases to core deposits | 77.5149% | 1,652 |
| Total domestic deposits to total assets | 88.0750% | 2,490 |
| Equity capital to assets | 11.0868% | 1,293 |
| Core capital (leverage) ratio | 11.8089% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9384% | 1,277 |
| Memoranda: | ||
| Average total assets | $65,038,500 | 4,376 |
| Average earning assets | $61,087,500 | 4,356 |
| Average equity | $7,617,500 | 4,304 |
| Average total loans | $44,754,500 | 4,065 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 649 |
| Cost of funding earning assets | 0.5200% | 846 |
| Net interest margin | 3.9295% | 812 |
| Noninterest income to average assets | 0.2428% | 3,920 |
| Noninterest expense to average assets | 2.4993% | 2,185 |
| Loan and lease loss provision to assets | 0.0992% | 1,257 |
| Net operating income to assets | 1.3359% | 1,490 |
| Return on assets (ROA) | 1.3008% | 1,642 |
| Pretax return on assets | 1.3008% | 2,360 |
| Return on Equity (ROE) | 11.0408% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.2764% | 3,096 |
| Net charge-offs to loans | -0.0046% | 3,536 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5235% | 2,637 |
| Assets per employee ($millions) | 6.4819% | 2,349 |
| Cash dividends to net income (ytd only)* | 61.2676% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 3,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.7107% | 960 |
| Net loans and leases to deposits | 86.6788% | 736 |
| Net loans and leases to core deposits | 90.7982% | 937 |
| Total domestic deposits to total assets | 81.5779% | 4,031 |
| Equity capital to assets | 12.3421% | 1,112 |
| Core capital (leverage) ratio | 12.2184% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3373% | 1,426 |
| Memoranda: | ||
| Average total assets | $65,498,600 | 4,387 |
| Average earning assets | $61,534,200 | 4,369 |
| Average equity | $7,716,800 | 4,357 |
| Average total loans | $43,134,800 | 4,127 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 606 |
| Cost of funding earning assets | 0.5663% | 760 |
| Net interest margin | 3.9922% | 806 |
| Noninterest income to average assets | 0.2132% | 4,124 |
| Noninterest expense to average assets | 2.4994% | 2,122 |
| Loan and lease loss provision to assets | 0.1325% | 865 |
| Net operating income to assets | 1.3319% | 1,732 |
| Return on assets (ROA) | 1.2771% | 1,954 |
| Pretax return on assets | 1.2771% | 2,684 |
| Return on Equity (ROE) | 10.9684% | 2,379 |
| Retained earnings to average equity (ytd only) | 4.3420% | 3,464 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0635% | 2,530 |
| Assets per employee ($millions) | 7.8358% | 1,350 |
| Cash dividends to net income (ytd only)* | 60.4134% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.0243% | 1,545 |
| Net loans and leases to deposits | 76.4646% | 1,627 |
| Net loans and leases to core deposits | 80.0743% | 1,725 |
| Total domestic deposits to total assets | 86.3462% | 2,616 |
| Equity capital to assets | 12.4557% | 1,192 |
| Core capital (leverage) ratio | 11.8059% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8827% | 1,154 |
| Memoranda: | ||
| Average total assets | $65,668,500 | 4,441 |
| Average earning assets | $61,684,750 | 4,425 |
| Average equity | $7,646,000 | 4,424 |
| Average total loans | $42,333,000 | 4,194 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 481 |
| Cost of funding earning assets | 0.6117% | 707 |
| Net interest margin | 4.1637% | 623 |
| Noninterest income to average assets | 0.2220% | 4,077 |
| Noninterest expense to average assets | 2.5232% | 2,071 |
| Loan and lease loss provision to assets | 0.1950% | 571 |
| Net operating income to assets | 1.4251% | 1,500 |
| Return on assets (ROA) | 1.3141% | 1,890 |
| Pretax return on assets | 1.3141% | 2,590 |
| Return on Equity (ROE) | 11.5385% | 2,217 |
| Retained earnings to average equity (ytd only) | 3.8988% | 3,551 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8979% | 2,890 |
| Assets per employee ($millions) | 7.4586% | 1,502 |
| Cash dividends to net income (ytd only)* | 66.2100% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 2,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.4086% | 2,131 |
| Net loans and leases to deposits | 72.0034% | 2,202 |
| Net loans and leases to core deposits | 75.1444% | 2,314 |
| Total domestic deposits to total assets | 86.6745% | 2,485 |
| Equity capital to assets | 11.4812% | 1,644 |
| Core capital (leverage) ratio | 11.1114% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8275% | 1,380 |
| Memoranda: | ||
| Average total assets | $66,662,667 | 4,456 |
| Average earning assets | $62,780,333 | 4,438 |
| Average equity | $7,592,000 | 4,458 |
| Average total loans | $42,479,333 | 4,224 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9246% | 398 |
| Cost of funding earning assets | 0.7053% | 535 |
| Net interest margin | 4.2192% | 581 |
| Noninterest income to average assets | 0.2107% | 4,121 |
| Noninterest expense to average assets | 2.5410% | 2,051 |
| Loan and lease loss provision to assets | 0.3914% | 202 |
| Net operating income to assets | 1.2404% | 2,009 |
| Return on assets (ROA) | 0.9634% | 3,017 |
| Pretax return on assets | 0.9634% | 3,471 |
| Return on Equity (ROE) | 8.4943% | 3,186 |
| Retained earnings to average equity (ytd only) | 0.2124% | 4,343 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8947% | 2,920 |
| Assets per employee ($millions) | 7.6654% | 1,366 |
| Cash dividends to net income (ytd only)* | 97.5000% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 2,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 59.3268% | 2,631 |
| Net loans and leases to deposits | 67.5708% | 2,746 |
| Net loans and leases to core deposits | 70.0659% | 2,856 |
| Total domestic deposits to total assets | 87.7995% | 1,942 |
| Equity capital to assets | 10.8829% | 1,948 |
| Core capital (leverage) ratio | 10.9932% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8949% | 1,330 |
| Memoranda: | ||
| Average total assets | $66,430,500 | 4,474 |
| Average earning assets | $62,381,000 | 4,455 |
| Average equity | $7,534,500 | 4,479 |
| Average total loans | $42,519,500 | 4,247 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5353% | 1,226 |
| Cost of funding earning assets | 1.0460% | 499 |
| Net interest margin | 3.4893% | 2,505 |
| Noninterest income to average assets | 0.5152% | 2,567 |
| Noninterest expense to average assets | 2.5665% | 2,654 |
| Loan and lease loss provision to assets | 0.4753% | 559 |
| Net operating income to assets | 0.7353% | 3,317 |
| Return on assets (ROA) | 0.8614% | 2,993 |
| Pretax return on assets | 0.8614% | 3,473 |
| Return on Equity (ROE) | 7.1933% | 3,129 |
| Retained earnings to average equity (ytd only) | 3.3702% | 3,141 |
| Net charge-offs to loans | 0.9401% | 144 |
| Credit loss provision to net charge-offs | 72.6829% | 3,033 |
| Earnings coverage of net charge-offs (x) | 1.8512% | 3,230 |
| Efficiency ratio | 67.9476% | 2,241 |
| Assets per employee ($millions) | 7.0969% | 1,516 |
| Cash dividends to net income (ytd only)* | 53.1481% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 67.5773% | 1,877 |
| Net loans and leases to deposits | 77.8174% | 2,094 |
| Net loans and leases to core deposits | 81.1792% | 2,259 |
| Total domestic deposits to total assets | 86.8409% | 2,012 |
| Equity capital to assets | 11.8377% | 1,658 |
| Core capital (leverage) ratio | 11.5165% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5530% | 1,393 |
| Memoranda: | ||
| Average total assets | $62,691,600 | 4,475 |
| Average earning assets | $58,607,000 | 4,458 |
| Average equity | $7,507,000 | 4,477 |
| Average total loans | $43,611,200 | 4,240 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 1,271 |
| Cost of funding earning assets | 1.1011% | 539 |
| Net interest margin | 3.5111% | 2,557 |
| Noninterest income to average assets | 0.6282% | 2,070 |
| Noninterest expense to average assets | 2.5920% | 2,554 |
| Loan and lease loss provision to assets | 0.6042% | 413 |
| Net operating income to assets | 0.7158% | 3,410 |
| Return on assets (ROA) | 0.8611% | 2,994 |
| Pretax return on assets | 0.8611% | 3,488 |
| Return on Equity (ROE) | 7.1705% | 3,136 |
| Retained earnings to average equity (ytd only) | 3.8076% | 3,135 |
| Net charge-offs to loans | 1.2534% | 100 |
| Credit loss provision to net charge-offs | 69.0244% | 2,819 |
| Earnings coverage of net charge-offs (x) | 1.5073% | 3,068 |
| Efficiency ratio | 66.2480% | 2,439 |
| Assets per employee ($millions) | 7.1314% | 1,411 |
| Cash dividends to net income (ytd only)* | 46.8983% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 3,897 |
| Loan loss allowance to noncurrent loans | 35.8888% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.8494% | 402 |
| Noncurrent loans to loans | 2.6396% | 391 |
| Net loans and leases to total assets | 69.4000% | 2,044 |
| Net loans and leases to deposits | 80.7333% | 2,234 |
| Net loans and leases to core deposits | 83.8220% | 2,491 |
| Total domestic deposits to total assets | 85.9620% | 2,092 |
| Equity capital to assets | 11.8536% | 1,766 |
| Core capital (leverage) ratio | 12.1339% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5000% | 1,372 |
| Memoranda: | ||
| Average total assets | $62,396,500 | 4,497 |
| Average earning assets | $58,366,000 | 4,478 |
| Average equity | $7,493,500 | 4,498 |
| Average total loans | $43,613,000 | 4,265 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 862 |
| Cost of funding earning assets | 1.1920% | 513 |
| Net interest margin | 3.7874% | 1,869 |
| Noninterest income to average assets | 0.8544% | 1,276 |
| Noninterest expense to average assets | 2.5954% | 2,680 |
| Loan and lease loss provision to assets | 0.8997% | 250 |
| Net operating income to assets | 0.8964% | 2,700 |
| Return on assets (ROA) | 1.0971% | 2,093 |
| Pretax return on assets | 1.0971% | 2,716 |
| Return on Equity (ROE) | 9.0942% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.2043% | 2,386 |
| Net charge-offs to loans | 1.3299% | 98 |
| Credit loss provision to net charge-offs | 96.8641% | 2,428 |
| Earnings coverage of net charge-offs (x) | 1.9338% | 2,815 |
| Efficiency ratio | 59.1010% | 3,540 |
| Assets per employee ($millions) | 6.9104% | 1,495 |
| Cash dividends to net income (ytd only)* | 42.7729% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.9842% | 2,032 |
| Net loans and leases to deposits | 81.2568% | 2,286 |
| Net loans and leases to core deposits | 82.8861% | 2,708 |
| Total domestic deposits to total assets | 86.1273% | 1,953 |
| Equity capital to assets | 12.1861% | 1,545 |
| Core capital (leverage) ratio | 12.6254% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2279% | 1,198 |
| Memoranda: | ||
| Average total assets | $61,801,000 | 4,512 |
| Average earning assets | $57,717,333 | 4,500 |
| Average equity | $7,455,333 | 4,521 |
| Average total loans | $43,161,000 | 4,286 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 1,181 |
| Cost of funding earning assets | 1.4094% | 376 |
| Net interest margin | 3.4957% | 2,998 |
| Noninterest income to average assets | 0.2662% | 3,944 |
| Noninterest expense to average assets | 2.5777% | 3,052 |
| Loan and lease loss provision to assets | 0.7142% | 365 |
| Net operating income to assets | 0.2273% | 4,481 |
| Return on assets (ROA) | 0.4480% | 4,074 |
| Pretax return on assets | 0.4480% | 4,211 |
| Return on Equity (ROE) | 3.7330% | 4,030 |
| Retained earnings to average equity (ytd only) | 3.7330% | 2,792 |
| Net charge-offs to loans | 2.7349% | 49 |
| Credit loss provision to net charge-offs | 37.6712% | 2,111 |
| Earnings coverage of net charge-offs (x) | 0.4966% | 2,463 |
| Efficiency ratio | 73.2472% | 1,909 |
| Assets per employee ($millions) | 6.5793% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 4,238 |
| Loan loss allowance to noncurrent loans | 55.2083% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,131 |
| Noncurrent loans to loans | 1.5621% | 1,004 |
| Net loans and leases to total assets | 72.0252% | 1,915 |
| Net loans and leases to deposits | 86.9802% | 1,875 |
| Net loans and leases to core deposits | 89.3547% | 2,405 |
| Total domestic deposits to total assets | 82.8064% | 3,168 |
| Equity capital to assets | 12.3822% | 1,801 |
| Core capital (leverage) ratio | 12.0171% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8708% | 1,380 |
| Memoranda: | ||
| Average total assets | $61,604,500 | 4,536 |
| Average earning assets | $57,328,000 | 4,522 |
| Average equity | $7,393,500 | 4,565 |
| Average total loans | $42,706,500 | 4,311 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 1,309 |
| Cost of funding earning assets | 1.4744% | 430 |
| Net interest margin | 3.5866% | 3,176 |
| Noninterest income to average assets | 0.2675% | 4,080 |
| Noninterest expense to average assets | 2.5830% | 3,226 |
| Loan and lease loss provision to assets | -0.1108% | 5,089 |
| Net operating income to assets | 1.1332% | 2,321 |
| Return on assets (ROA) | 1.2313% | 2,029 |
| Pretax return on assets | 1.2313% | 2,730 |
| Return on Equity (ROE) | 10.5686% | 2,055 |
| Retained earnings to average equity (ytd only) | 3.3010% | 3,356 |
| Net charge-offs to loans | 0.5586% | 329 |
| Credit loss provision to net charge-offs | -28.6885% | 4,138 |
| Earnings coverage of net charge-offs (x) | 2.6475% | 3,393 |
| Efficiency ratio | 71.6418% | 1,919 |
| Assets per employee ($millions) | 7.1106% | 1,001 |
| Cash dividends to net income (ytd only)* | 68.7661% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 1,900 |
| Loan loss allowance to noncurrent loans | 79.3400% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 1,128 |
| Noncurrent loans to loans | 1.6441% | 845 |
| Net loans and leases to total assets | 65.3801% | 3,030 |
| Net loans and leases to deposits | 75.7312% | 3,208 |
| Net loans and leases to core deposits | 85.1254% | 2,863 |
| Total domestic deposits to total assets | 86.3317% | 1,919 |
| Equity capital to assets | 11.6493% | 2,385 |
| Core capital (leverage) ratio | 11.5919% | 2,041 |
| Tier 1 risk-based capital ratio | 15.8210% | 2,470 |
| Total risk-based capital ratio | 17.0243% | 2,417 |
| Memoranda: | ||
| Average total assets | $63,183,200 | 4,545 |
| Average earning assets | $58,802,800 | 4,539 |
| Average equity | $7,361,400 | 4,593 |
| Average total loans | $43,682,000 | 4,316 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 1,274 |
| Cost of funding earning assets | 1.4749% | 443 |
| Net interest margin | 3.6302% | 3,171 |
| Noninterest income to average assets | 0.2837% | 4,043 |
| Noninterest expense to average assets | 2.5933% | 3,182 |
| Loan and lease loss provision to assets | -0.1482% | 5,194 |
| Net operating income to assets | 1.2152% | 2,144 |
| Return on assets (ROA) | 1.4099% | 1,499 |
| Pretax return on assets | 1.4099% | 2,273 |
| Return on Equity (ROE) | 12.1011% | 1,581 |
| Retained earnings to average equity (ytd only) | 2.3440% | 4,161 |
| Net charge-offs to loans | 0.7393% | 215 |
| Credit loss provision to net charge-offs | -28.6885% | 3,984 |
| Earnings coverage of net charge-offs (x) | 2.0655% | 3,224 |
| Efficiency ratio | 70.8502% | 1,991 |
| Assets per employee ($millions) | 6.3769% | 1,343 |
| Cash dividends to net income (ytd only)* | 80.6302% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 1,988 |
| Loan loss allowance to noncurrent loans | 79.3400% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 1,197 |
| Noncurrent loans to loans | 1.6321% | 903 |
| Net loans and leases to total assets | 66.1027% | 3,038 |
| Net loans and leases to deposits | 76.8963% | 3,211 |
| Net loans and leases to core deposits | 86.5032% | 2,866 |
| Total domestic deposits to total assets | 85.9634% | 2,014 |
| Equity capital to assets | 11.6953% | 2,507 |
| Core capital (leverage) ratio | 11.7854% | 2,007 |
| Tier 1 risk-based capital ratio | 15.8997% | 2,473 |
| Total risk-based capital ratio | 17.1092% | 2,426 |
| Memoranda: | ||
| Average total assets | $62,980,250 | 4,602 |
| Average earning assets | $58,580,500 | 4,601 |
| Average equity | $7,338,000 | 4,651 |
| Average total loans | $44,004,250 | 4,361 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1640% | 1,059 |
| Cost of funding earning assets | 1.4671% | 425 |
| Net interest margin | 3.6969% | 2,937 |
| Noninterest income to average assets | 0.3125% | 3,841 |
| Noninterest expense to average assets | 2.6340% | 3,105 |
| Loan and lease loss provision to assets | -0.2232% | 5,258 |
| Net operating income to assets | 1.3330% | 1,646 |
| Return on assets (ROA) | 1.3330% | 1,710 |
| Pretax return on assets | 1.3330% | 2,432 |
| Return on Equity (ROE) | 11.4552% | 1,805 |
| Retained earnings to average equity (ytd only) | -0.3015% | 4,730 |
| Net charge-offs to loans | 1.0982% | 120 |
| Credit loss provision to net charge-offs | -28.6885% | 3,790 |
| Earnings coverage of net charge-offs (x) | 1.4262% | 3,020 |
| Efficiency ratio | 70.3578% | 2,167 |
| Assets per employee ($millions) | 6.3465% | 1,310 |
| Cash dividends to net income (ytd only)* | 102.6316% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 1,619 |
| Loan loss allowance to noncurrent loans | 79.3400% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 1,241 |
| Noncurrent loans to loans | 1.7630% | 859 |
| Net loans and leases to total assets | 61.4228% | 3,608 |
| Net loans and leases to deposits | 70.2189% | 3,824 |
| Net loans and leases to core deposits | 78.0655% | 3,574 |
| Total domestic deposits to total assets | 87.4734% | 1,352 |
| Equity capital to assets | 11.5497% | 2,572 |
| Core capital (leverage) ratio | 11.7484% | 1,986 |
| Tier 1 risk-based capital ratio | 16.6025% | 2,202 |
| Total risk-based capital ratio | 17.8525% | 2,150 |
| Memoranda: | ||
| Average total assets | $62,717,330 | 4,642 |
| Average earning assets | $58,211,000 | 4,638 |
| Average equity | $7,298,000 | 4,681 |
| Average total loans | $44,437,000 | 4,375 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 2,027 |
| Cost of funding earning assets | 1.4712% | 358 |
| Net interest margin | 3.2909% | 4,180 |
| Noninterest income to average assets | 0.4237% | 3,021 |
| Noninterest expense to average assets | 2.7286% | 2,816 |
| Loan and lease loss provision to assets | -0.4494% | 5,341 |
| Net operating income to assets | 1.1749% | 2,153 |
| Return on assets (ROA) | 1.1749% | 2,203 |
| Pretax return on assets | 1.1749% | 2,898 |
| Return on Equity (ROE) | 10.1077% | 2,324 |
| Retained earnings to average equity (ytd only) | 2.5407% | 3,911 |
| Net charge-offs to loans | 1.4417% | 86 |
| Credit loss provision to net charge-offs | -41.4201% | 3,473 |
| Earnings coverage of net charge-offs (x) | 0.6686% | 2,649 |
| Efficiency ratio | 78.9963% | 1,158 |
| Assets per employee ($millions) | 6.2533% | 1,373 |
| Cash dividends to net income (ytd only)* | 74.8634% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 1,797 |
| Loan loss allowance to noncurrent loans | 82.7404% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.2138% | 1,098 |
| Noncurrent loans to loans | 1.6520% | 948 |
| Net loans and leases to total assets | 72.4657% | 2,082 |
| Net loans and leases to deposits | 83.5700% | 2,432 |
| Net loans and leases to core deposits | 94.8370% | 2,042 |
| Total domestic deposits to total assets | 86.7126% | 1,954 |
| Equity capital to assets | 11.6690% | 2,257 |
| Core capital (leverage) ratio | 11.7510% | 1,940 |
| Tier 1 risk-based capital ratio | 14.6912% | 3,010 |
| Total risk-based capital ratio | 15.9411% | 2,937 |
| Memoranda: | ||
| Average total assets | $62,303,500 | 4,697 |
| Average earning assets | $57,369,500 | 4,712 |
| Average equity | $7,242,000 | 4,723 |
| Average total loans | $46,888,000 | 4,368 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 764 |
| Cost of funding earning assets | 1.0392% | 641 |
| Net interest margin | 4.1127% | 1,644 |
| Noninterest income to average assets | 0.2973% | 4,120 |
| Noninterest expense to average assets | 2.7459% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3584% | 1,580 |
| Return on assets (ROA) | 1.3533% | 1,591 |
| Pretax return on assets | 1.3533% | 2,305 |
| Return on Equity (ROE) | 11.1317% | 2,031 |
| Retained earnings to average equity (ytd only) | 2.7829% | 4,006 |
| Net charge-offs to loans | -0.0132% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9026% | 2,728 |
| Assets per employee ($millions) | 6.2074% | 1,386 |
| Cash dividends to net income (ytd only)* | 75.0000% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 665 |
| Loan loss allowance to noncurrent loans | 69.1388% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 2.0202% | 471 |
| Noncurrent loans to loans | 2.6216% | 450 |
| Net loans and leases to total assets | 75.6613% | 1,666 |
| Net loans and leases to deposits | 91.2688% | 1,633 |
| Net loans and leases to core deposits | 105.4894% | 1,307 |
| Total domestic deposits to total assets | 82.8994% | 3,366 |
| Equity capital to assets | 11.5781% | 2,195 |
| Core capital (leverage) ratio | 12.0485% | 1,707 |
| Tier 1 risk-based capital ratio | 14.1335% | 3,227 |
| Total risk-based capital ratio | 15.3881% | 3,161 |
| Memoranda: | ||
| Average total assets | $58,522,600 | 4,789 |
| Average earning assets | $54,174,000 | 4,786 |
| Average equity | $7,114,800 | 4,729 |
| Average total loans | $45,545,000 | 4,421 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 834 |
| Cost of funding earning assets | 0.9350% | 788 |
| Net interest margin | 4.1182% | 1,576 |
| Noninterest income to average assets | 0.2938% | 4,184 |
| Noninterest expense to average assets | 2.8084% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3163% | 1,794 |
| Return on assets (ROA) | 1.3094% | 1,823 |
| Pretax return on assets | 1.3094% | 2,584 |
| Return on Equity (ROE) | 10.6337% | 2,332 |
| Retained earnings to average equity (ytd only) | 2.6491% | 4,354 |
| Net charge-offs to loans | -0.0148% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0875% | 2,522 |
| Assets per employee ($millions) | 6.6889% | 1,093 |
| Cash dividends to net income (ytd only)* | 75.0878% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 675 |
| Loan loss allowance to noncurrent loans | 69.0590% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 2.0831% | 499 |
| Noncurrent loans to loans | 2.6521% | 467 |
| Net loans and leases to total assets | 77.1047% | 1,484 |
| Net loans and leases to deposits | 100.3589% | 751 |
| Net loans and leases to core deposits | 106.4439% | 1,277 |
| Total domestic deposits to total assets | 76.8289% | 4,671 |
| Equity capital to assets | 11.7857% | 2,045 |
| Core capital (leverage) ratio | 12.3943% | 1,558 |
| Tier 1 risk-based capital ratio | 14.2894% | 3,216 |
| Total risk-based capital ratio | 15.5443% | 3,133 |
| Memoranda: | ||
| Average total assets | $57,634,750 | 4,856 |
| Average earning assets | $53,614,500 | 4,846 |
| Average equity | $7,096,750 | 4,780 |
| Average total loans | $44,973,000 | 4,482 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 876 |
| Cost of funding earning assets | 0.8653% | 851 |
| Net interest margin | 4.1036% | 1,544 |
| Noninterest income to average assets | 0.2994% | 4,178 |
| Noninterest expense to average assets | 2.9095% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2152% | 2,128 |
| Return on assets (ROA) | 1.2047% | 2,177 |
| Pretax return on assets | 1.2047% | 2,924 |
| Return on Equity (ROE) | 9.6374% | 2,744 |
| Retained earnings to average equity (ytd only) | 2.3953% | 4,314 |
| Net charge-offs to loans | -0.0136% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5380% | 2,234 |
| Assets per employee ($millions) | 6.1508% | 1,364 |
| Cash dividends to net income (ytd only)* | 75.1462% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9849% | 531 |
| Loan loss allowance to noncurrent loans | 70.7038% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 443 |
| Noncurrent loans to loans | 2.8074% | 429 |
| Net loans and leases to total assets | 77.0707% | 1,453 |
| Net loans and leases to deposits | 95.0264% | 1,245 |
| Net loans and leases to core deposits | 100.9536% | 1,653 |
| Total domestic deposits to total assets | 81.1045% | 3,965 |
| Equity capital to assets | 12.7951% | 1,398 |
| Core capital (leverage) ratio | 12.7908% | 1,316 |
| Tier 1 risk-based capital ratio | 15.6442% | 2,570 |
| Total risk-based capital ratio | 16.9005% | 2,517 |
| Memoranda: | ||
| Average total assets | $56,779,670 | 4,925 |
| Average earning assets | $52,929,330 | 4,913 |
| Average equity | $7,097,330 | 4,830 |
| Average total loans | $44,203,000 | 4,540 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 849 |
| Cost of funding earning assets | 0.8750% | 678 |
| Net interest margin | 4.0383% | 1,601 |
| Noninterest income to average assets | 0.2783% | 4,310 |
| Noninterest expense to average assets | 2.9152% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1202% | 2,331 |
| Return on assets (ROA) | 1.1202% | 2,350 |
| Pretax return on assets | 1.1202% | 3,096 |
| Return on Equity (ROE) | 9.0647% | 2,883 |
| Retained earnings to average equity (ytd only) | 2.2521% | 4,269 |
| Net charge-offs to loans | -0.0090% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2414% | 2,157 |
| Assets per employee ($millions) | 6.2497% | 1,336 |
| Cash dividends to net income (ytd only)* | 75.1553% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 551 |
| Loan loss allowance to noncurrent loans | 59.3255% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.5832% | 348 |
| Noncurrent loans to loans | 3.3633% | 319 |
| Net loans and leases to total assets | 75.2751% | 1,658 |
| Net loans and leases to deposits | 92.9140% | 1,345 |
| Net loans and leases to core deposits | 98.6027% | 1,796 |
| Total domestic deposits to total assets | 81.0159% | 4,199 |
| Equity capital to assets | 12.5411% | 1,461 |
| Core capital (leverage) ratio | 12.3053% | 1,474 |
| Tier 1 risk-based capital ratio | 15.4161% | 2,693 |
| Total risk-based capital ratio | 16.6721% | 2,630 |
| Memoranda: | ||
| Average total assets | $57,491,000 | 4,972 |
| Average earning assets | $53,488,500 | 4,966 |
| Average equity | $7,104,500 | 4,880 |
| Average total loans | $44,540,500 | 4,579 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,298 |
| Cost of funding earning assets | 0.6908% | 1,075 |
| Net interest margin | 3.9632% | 1,872 |
| Noninterest income to average assets | 0.3199% | 4,175 |
| Noninterest expense to average assets | 2.6354% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4046% | 1,009 |
| Return on assets (ROA) | 1.4151% | 1,004 |
| Pretax return on assets | 1.4151% | 1,942 |
| Return on Equity (ROE) | 11.4535% | 1,352 |
| Retained earnings to average equity (ytd only) | 3.8554% | 2,900 |
| Net charge-offs to loans | -0.4822% | 5,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2324% | 3,400 |
| Assets per employee ($millions) | 6.5261% | 1,197 |
| Cash dividends to net income (ytd only)* | 66.3391% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 680 |
| Loan loss allowance to noncurrent loans | 82.0782% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.7860% | 699 |
| Noncurrent loans to loans | 2.2864% | 622 |
| Net loans and leases to total assets | 76.6460% | 1,487 |
| Net loans and leases to deposits | 102.0446% | 603 |
| Net loans and leases to core deposits | 105.9546% | 1,266 |
| Total domestic deposits to total assets | 75.1102% | 5,083 |
| Equity capital to assets | 12.1818% | 1,710 |
| Core capital (leverage) ratio | 12.6065% | 1,306 |
| Tier 1 risk-based capital ratio | 14.8004% | 2,929 |
| Total risk-based capital ratio | 16.0563% | 2,868 |
| Memoranda: | ||
| Average total assets | $57,523,800 | 5,017 |
| Average earning assets | $53,997,200 | 4,999 |
| Average equity | $7,107,000 | 4,923 |
| Average total loans | $44,587,800 | 4,602 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 970 |
| Cost of funding earning assets | 0.6807% | 1,068 |
| Net interest margin | 4.0943% | 1,408 |
| Noninterest income to average assets | 0.3472% | 4,053 |
| Noninterest expense to average assets | 2.6400% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5612% | 782 |
| Return on assets (ROA) | 1.5751% | 778 |
| Pretax return on assets | 1.5751% | 1,499 |
| Return on Equity (ROE) | 12.7035% | 1,122 |
| Retained earnings to average equity (ytd only) | 4.4350% | 3,261 |
| Net charge-offs to loans | -0.6446% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8397% | 3,746 |
| Assets per employee ($millions) | 5.6931% | 1,728 |
| Cash dividends to net income (ytd only)* | 65.0886% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 588 |
| Loan loss allowance to noncurrent loans | 81.9828% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.8426% | 738 |
| Noncurrent loans to loans | 2.4196% | 646 |
| Net loans and leases to total assets | 74.6430% | 1,815 |
| Net loans and leases to deposits | 94.3956% | 1,255 |
| Net loans and leases to core deposits | 97.9260% | 1,893 |
| Total domestic deposits to total assets | 79.0747% | 4,517 |
| Equity capital to assets | 12.6047% | 1,603 |
| Core capital (leverage) ratio | 12.8116% | 1,282 |
| Tier 1 risk-based capital ratio | 15.6570% | 2,652 |
| Total risk-based capital ratio | 16.9145% | 2,590 |
| Memoranda: | ||
| Average total assets | $57,221,000 | 5,074 |
| Average earning assets | $53,862,000 | 5,050 |
| Average equity | $7,095,000 | 4,979 |
| Average total loans | $44,265,000 | 4,656 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 1,029 |
| Cost of funding earning assets | 0.6812% | 985 |
| Net interest margin | 4.0322% | 1,509 |
| Noninterest income to average assets | 0.2024% | 5,036 |
| Noninterest expense to average assets | 2.5647% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4208% | 1,018 |
| Return on assets (ROA) | 1.4411% | 999 |
| Pretax return on assets | 1.4795% | 1,722 |
| Return on Equity (ROE) | 11.6865% | 1,391 |
| Retained earnings to average equity (ytd only) | 3.0277% | 3,916 |
| Net charge-offs to loans | -0.0179% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7467% | 3,711 |
| Assets per employee ($millions) | 6.2951% | 1,254 |
| Cash dividends to net income (ytd only)* | 74.0920% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,623 |
| Loan loss allowance to noncurrent loans | 47.0673% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 2.4375% | 460 |
| Noncurrent loans to loans | 3.1599% | 394 |
| Net loans and leases to total assets | 75.9920% | 1,549 |
| Net loans and leases to deposits | 91.7272% | 1,533 |
| Net loans and leases to core deposits | 93.9736% | 2,156 |
| Total domestic deposits to total assets | 82.8456% | 3,614 |
| Equity capital to assets | 12.4735% | 1,636 |
| Core capital (leverage) ratio | 12.2302% | 1,512 |
| Tier 1 risk-based capital ratio | 15.2834% | 2,809 |
| Total risk-based capital ratio | 16.5342% | 2,743 |
| Memoranda: | ||
| Average total assets | $57,317,670 | 5,113 |
| Average earning assets | $54,312,670 | 5,081 |
| Average equity | $7,068,000 | 5,011 |
| Average total loans | $44,568,330 | 4,675 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,169 |
| Cost of funding earning assets | 0.6563% | 1,047 |
| Net interest margin | 3.9306% | 1,672 |
| Noninterest income to average assets | 0.1943% | 5,106 |
| Noninterest expense to average assets | 2.5673% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3330% | 1,159 |
| Return on assets (ROA) | 1.3738% | 1,085 |
| Pretax return on assets | 1.4085% | 1,858 |
| Return on Equity (ROE) | 11.2046% | 1,496 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | -0.0356% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2557% | 3,624 |
| Assets per employee ($millions) | 5.5328% | 1,857 |
| Cash dividends to net income (ytd only)* | 100.0000% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,625 |
| Loan loss allowance to noncurrent loans | 132.9243% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 2,093 |
| Noncurrent loans to loans | 1.1435% | 1,782 |
| Net loans and leases to total assets | 76.1134% | 1,399 |
| Net loans and leases to deposits | 90.1698% | 1,512 |
| Net loans and leases to core deposits | 92.3853% | 2,129 |
| Total domestic deposits to total assets | 84.4111% | 3,330 |
| Equity capital to assets | 12.7946% | 1,353 |
| Core capital (leverage) ratio | 12.5523% | 1,315 |
| Tier 1 risk-based capital ratio | 16.0233% | 2,537 |
| Total risk-based capital ratio | 17.2762% | 2,491 |
| Memoranda: | ||
| Average total assets | $57,648,500 | 5,159 |
| Average earning assets | $54,851,000 | 5,127 |
| Average equity | $7,068,500 | 5,050 |
| Average total loans | $45,000,500 | 4,703 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5189% | 1,487 |
| Cost of funding earning assets | 0.7703% | 576 |
| Net interest margin | 3.7485% | 2,515 |
| Noninterest income to average assets | 0.1872% | 5,278 |
| Noninterest expense to average assets | 2.4263% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3103% | 1,191 |
| Return on assets (ROA) | 1.3152% | 1,237 |
| Pretax return on assets | 1.3510% | 2,102 |
| Return on Equity (ROE) | 11.0167% | 1,573 |
| Retained earnings to average equity (ytd only) | 4.8884% | 2,418 |
| Net charge-offs to loans | -0.0023% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3212% | 3,881 |
| Assets per employee ($millions) | 6.6632% | 1,066 |
| Cash dividends to net income (ytd only)* | 55.6274% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 2,230 |
| Loan loss allowance to noncurrent loans | 134.5833% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 2,349 |
| Noncurrent loans to loans | 1.0161% | 2,059 |
| Net loans and leases to total assets | 77.6951% | 1,250 |
| Net loans and leases to deposits | 101.8293% | 543 |
| Net loans and leases to core deposits | 104.3797% | 1,253 |
| Total domestic deposits to total assets | 76.2994% | 5,213 |
| Equity capital to assets | 11.7694% | 1,956 |
| Core capital (leverage) ratio | 12.1815% | 1,484 |
| Tier 1 risk-based capital ratio | 14.7042% | 3,101 |
| Total risk-based capital ratio | 15.9540% | 3,044 |
| Memoranda: | ||
| Average total assets | $58,772,600 | 5,168 |
| Average earning assets | $56,208,600 | 5,122 |
| Average equity | $7,016,600 | 5,087 |
| Average total loans | $44,312,400 | 4,740 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 1,546 |
| Cost of funding earning assets | 0.8216% | 447 |
| Net interest margin | 3.6768% | 2,804 |
| Noninterest income to average assets | 0.1938% | 5,308 |
| Noninterest expense to average assets | 2.4672% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2110% | 1,605 |
| Return on assets (ROA) | 1.2176% | 1,679 |
| Pretax return on assets | 1.2541% | 2,605 |
| Return on Equity (ROE) | 10.1621% | 1,989 |
| Retained earnings to average equity (ytd only) | 4.2628% | 3,288 |
| Net charge-offs to loans | -0.0031% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4211% | 3,517 |
| Assets per employee ($millions) | 6.3677% | 1,198 |
| Cash dividends to net income (ytd only)* | 58.0522% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 1,975 |
| Loan loss allowance to noncurrent loans | 993.8462% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,967 |
| Noncurrent loans to loans | 0.1460% | 4,761 |
| Net loans and leases to total assets | 76.5499% | 1,430 |
| Net loans and leases to deposits | 94.5535% | 1,201 |
| Net loans and leases to core deposits | 97.4672% | 1,864 |
| Total domestic deposits to total assets | 80.9594% | 4,260 |
| Equity capital to assets | 12.4291% | 1,820 |
| Core capital (leverage) ratio | 12.7530% | 1,291 |
| Tier 1 risk-based capital ratio | 15.6129% | 2,785 |
| Total risk-based capital ratio | 16.8641% | 2,716 |
| Memoranda: | ||
| Average total assets | $58,473,500 | 5,219 |
| Average earning assets | $55,989,500 | 5,172 |
| Average equity | $7,006,250 | 5,141 |
| Average total loans | $43,580,750 | 4,797 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 1,438 |
| Cost of funding earning assets | 0.9510% | 221 |
| Net interest margin | 3.5770% | 3,187 |
| Noninterest income to average assets | 0.1971% | 5,316 |
| Noninterest expense to average assets | 2.4566% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1318% | 1,846 |
| Return on assets (ROA) | 1.1417% | 1,921 |
| Pretax return on assets | 1.1756% | 2,879 |
| Return on Equity (ROE) | 9.6450% | 2,206 |
| Retained earnings to average equity (ytd only) | 3.5882% | 3,607 |
| Net charge-offs to loans | -0.0046% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8236% | 3,379 |
| Assets per employee ($millions) | 5.4922% | 1,800 |
| Cash dividends to net income (ytd only)* | 62.7976% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,723 |
| Loan loss allowance to noncurrent loans | 978.7879% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 5,030 |
| Noncurrent loans to loans | 0.1571% | 4,807 |
| Net loans and leases to total assets | 75.3032% | 1,593 |
| Net loans and leases to deposits | 87.0878% | 2,122 |
| Net loans and leases to core deposits | 89.7000% | 2,563 |
| Total domestic deposits to total assets | 86.4681% | 2,184 |
| Equity capital to assets | 12.8710% | 1,576 |
| Core capital (leverage) ratio | 12.0534% | 1,592 |
| Tier 1 risk-based capital ratio | 16.2467% | 2,528 |
| Total risk-based capital ratio | 17.4997% | 2,472 |
| Memoranda: | ||
| Average total assets | $58,861,670 | 5,266 |
| Average earning assets | $56,360,330 | 5,214 |
| Average equity | $6,967,330 | 5,198 |
| Average total loans | $43,269,000 | 4,855 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 1,437 |
| Cost of funding earning assets | 1.0195% | 149 |
| Net interest margin | 3.5064% | 3,450 |
| Noninterest income to average assets | 0.2433% | 4,997 |
| Noninterest expense to average assets | 2.4132% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1447% | 1,728 |
| Return on assets (ROA) | 1.1639% | 1,770 |
| Pretax return on assets | 1.1967% | 2,713 |
| Return on Equity (ROE) | 10.2364% | 1,882 |
| Retained earnings to average equity (ytd only) | 5.0893% | 2,879 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2161% | 3,594 |
| Assets per employee ($millions) | 6.4877% | 1,115 |
| Cash dividends to net income (ytd only)* | 50.2825% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,695 |
| Loan loss allowance to noncurrent loans | 1,954.5455% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 4,663 |
| Noncurrent loans to loans | 0.0807% | 5,156 |
| Net loans and leases to total assets | 68.9650% | 2,504 |
| Net loans and leases to deposits | 89.2109% | 1,676 |
| Net loans and leases to core deposits | 92.0264% | 2,177 |
| Total domestic deposits to total assets | 77.3057% | 5,246 |
| Equity capital to assets | 11.9475% | 2,063 |
| Core capital (leverage) ratio | 11.4279% | 2,025 |
| Tier 1 risk-based capital ratio | 16.1601% | 2,601 |
| Total risk-based capital ratio | 17.4119% | 2,554 |
| Memoranda: | ||
| Average total assets | $60,831,500 | 5,276 |
| Average earning assets | $58,065,500 | 5,216 |
| Average equity | $6,916,500 | 5,245 |
| Average total loans | $43,901,500 | 4,872 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 525 |
| Cost of funding earning assets | 0.9260% | 253 |
| Net interest margin | 4.1646% | 1,252 |
| Noninterest income to average assets | 1.0263% | 1,127 |
| Noninterest expense to average assets | 2.5715% | 4,018 |
| Loan and lease loss provision to assets | 0.0504% | 3,314 |
| Net operating income to assets | 2.2836% | 219 |
| Return on assets (ROA) | 2.2836% | 224 |
| Pretax return on assets | 2.3178% | 286 |
| Return on Equity (ROE) | 21.8807% | 181 |
| Retained earnings to average equity (ytd only) | 10.9715% | 349 |
| Net charge-offs to loans | 0.2428% | 1,235 |
| Credit loss provision to net charge-offs | 29.2453% | 3,666 |
| Earnings coverage of net charge-offs (x) | 13.7358% | 2,352 |
| Efficiency ratio | 52.0580% | 5,631 |
| Assets per employee ($millions) | 7.0304% | 879 |
| Cash dividends to net income (ytd only)* | 49.8575% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 2,533 |
| Loan loss allowance to noncurrent loans | 3,225.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 4,845 |
| Noncurrent loans to loans | 0.0427% | 5,344 |
| Net loans and leases to total assets | 73.0869% | 1,876 |
| Net loans and leases to deposits | 104.0359% | 434 |
| Net loans and leases to core deposits | 107.3667% | 1,014 |
| Total domestic deposits to total assets | 70.2516% | 5,882 |
| Equity capital to assets | 10.8370% | 2,990 |
| Core capital (leverage) ratio | 11.2713% | 2,141 |
| Tier 1 risk-based capital ratio | 13.9457% | 3,736 |
| Total risk-based capital ratio | 15.1962% | 3,675 |
| Memoranda: | ||
| Average total assets | $61,482,000 | 5,283 |
| Average earning assets | $57,772,800 | 5,244 |
| Average equity | $6,416,600 | 5,354 |
| Average total loans | $43,653,200 | 4,870 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 1,591 |
| Cost of funding earning assets | 0.9194% | 256 |
| Net interest margin | 3.5818% | 3,231 |
| Noninterest income to average assets | 0.2141% | 5,371 |
| Noninterest expense to average assets | 2.4991% | 4,194 |
| Loan and lease loss provision to assets | -0.1966% | 6,094 |
| Net operating income to assets | 1.2299% | 1,555 |
| Return on assets (ROA) | 1.2299% | 1,610 |
| Pretax return on assets | 1.2648% | 2,532 |
| Return on Equity (ROE) | 11.9028% | 1,398 |
| Retained earnings to average equity (ytd only) | 5.9830% | 2,263 |
| Net charge-offs to loans | -0.0467% | 5,523 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0551% | 3,207 |
| Assets per employee ($millions) | 5.9234% | 1,428 |
| Cash dividends to net income (ytd only)* | 49.7329% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 2,131 |
| Loan loss allowance to noncurrent loans | 398.1481% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 3,842 |
| Noncurrent loans to loans | 0.3782% | 4,256 |
| Net loans and leases to total assets | 71.2277% | 2,188 |
| Net loans and leases to deposits | 92.0980% | 1,394 |
| Net loans and leases to core deposits | 94.9499% | 1,983 |
| Total domestic deposits to total assets | 77.3390% | 5,287 |
| Equity capital to assets | 10.8772% | 3,157 |
| Core capital (leverage) ratio | 10.8888% | 2,601 |
| Tier 1 risk-based capital ratio | 14.1804% | 3,739 |
| Total risk-based capital ratio | 15.4338% | 3,674 |
| Memoranda: | ||
| Average total assets | $61,034,000 | 5,364 |
| Average earning assets | $57,140,000 | 5,332 |
| Average equity | $6,306,500 | 5,439 |
| Average total loans | $42,844,000 | 4,956 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 1,502 |
| Cost of funding earning assets | 0.9394% | 235 |
| Net interest margin | 3.5704% | 3,206 |
| Noninterest income to average assets | 0.2239% | 5,360 |
| Noninterest expense to average assets | 2.4499% | 4,398 |
| Loan and lease loss provision to assets | -0.2920% | 6,222 |
| Net operating income to assets | 1.3759% | 1,138 |
| Return on assets (ROA) | 1.3759% | 1,181 |
| Pretax return on assets | 1.4083% | 1,948 |
| Return on Equity (ROE) | 13.5442% | 998 |
| Retained earnings to average equity (ytd only) | 6.8360% | 1,778 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6988% | 3,553 |
| Assets per employee ($millions) | 6.0682% | 1,305 |
| Cash dividends to net income (ytd only)* | 49.5283% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 2,350 |
| Loan loss allowance to noncurrent loans | 113.5135% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1305% | 2,252 |
| Noncurrent loans to loans | 1.3100% | 2,050 |
| Net loans and leases to total assets | 68.7782% | 2,521 |
| Net loans and leases to deposits | 87.8875% | 1,850 |
| Net loans and leases to core deposits | 90.5042% | 2,300 |
| Total domestic deposits to total assets | 78.2571% | 5,221 |
| Equity capital to assets | 10.3326% | 3,646 |
| Core capital (leverage) ratio | 10.5036% | 2,948 |
| Tier 1 risk-based capital ratio | 13.9946% | 3,927 |
| Total risk-based capital ratio | 15.2458% | 3,861 |
| Memoranda: | ||
| Average total assets | $61,634,000 | 5,404 |
| Average earning assets | $57,697,000 | 5,376 |
| Average equity | $6,261,000 | 5,492 |
| Average total loans | $42,846,670 | 4,995 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,328 |
| Cost of funding earning assets | 0.9863% | 196 |
| Net interest margin | 3.2486% | 4,425 |
| Noninterest income to average assets | 0.3735% | 4,216 |
| Noninterest expense to average assets | 2.4602% | 4,405 |
| Loan and lease loss provision to assets | -0.2898% | 6,306 |
| Net operating income to assets | 1.2043% | 1,535 |
| Return on assets (ROA) | 1.2043% | 1,627 |
| Pretax return on assets | 1.2365% | 2,525 |
| Return on Equity (ROE) | 11.9556% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.0097% | 2,504 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2117% | 3,135 |
| Assets per employee ($millions) | 5.8395% | 1,521 |
| Cash dividends to net income (ytd only)* | 49.7326% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 1,791 |
| Loan loss allowance to noncurrent loans | 40.7117% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 3.0927% | 594 |
| Noncurrent loans to loans | 4.1245% | 408 |
| Net loans and leases to total assets | 67.6839% | 2,501 |
| Net loans and leases to deposits | 89.7172% | 1,420 |
| Net loans and leases to core deposits | 90.7909% | 2,056 |
| Total domestic deposits to total assets | 75.4414% | 5,791 |
| Equity capital to assets | 10.8502% | 3,142 |
| Core capital (leverage) ratio | 10.1098% | 3,459 |
| Tier 1 risk-based capital ratio | 12.9377% | 4,638 |
| Total risk-based capital ratio | 14.1895% | 4,557 |
| Memoranda: | ||
| Average total assets | $62,110,000 | 5,449 |
| Average earning assets | $57,995,000 | 5,418 |
| Average equity | $6,256,500 | 5,540 |
| Average total loans | $43,087,000 | 5,016 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 3,110 |
| Cost of funding earning assets | 0.9110% | 367 |
| Net interest margin | 3.2428% | 4,781 |
| Noninterest income to average assets | 0.2287% | 5,487 |
| Noninterest expense to average assets | 2.3642% | 4,938 |
| Loan and lease loss provision to assets | -0.2961% | 6,368 |
| Net operating income to assets | 1.1581% | 1,732 |
| Return on assets (ROA) | 1.1549% | 1,818 |
| Pretax return on assets | 1.1911% | 2,686 |
| Return on Equity (ROE) | 12.1710% | 1,366 |
| Retained earnings to average equity (ytd only) | 5.5827% | 2,205 |
| Net charge-offs to loans | 0.0168% | 4,530 |
| Credit loss provision to net charge-offs | -2,571.4286% | 6,002 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 640 |
| Efficiency ratio | 72.4660% | 3,124 |
| Assets per employee ($millions) | 6.5825% | 1,011 |
| Cash dividends to net income (ytd only)* | 54.1311% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 2,206 |
| Loan loss allowance to noncurrent loans | 38.8559% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.0399% | 658 |
| Noncurrent loans to loans | 4.0305% | 456 |
| Net loans and leases to total assets | 68.7505% | 2,449 |
| Net loans and leases to deposits | 100.0044% | 622 |
| Net loans and leases to core deposits | 101.1669% | 1,306 |
| Total domestic deposits to total assets | 68.7474% | 6,244 |
| Equity capital to assets | 9.3840% | 4,867 |
| Core capital (leverage) ratio | 9.6073% | 4,086 |
| Tier 1 risk-based capital ratio | 12.0631% | 5,317 |
| Total risk-based capital ratio | 13.3163% | 5,223 |
| Memoranda: | ||
| Average total assets | $60,782,200 | 5,530 |
| Average earning assets | $56,863,600 | 5,493 |
| Average equity | $5,767,800 | 5,670 |
| Average total loans | $41,614,200 | 5,120 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 3,371 |
| Cost of funding earning assets | 0.8855% | 450 |
| Net interest margin | 3.2150% | 4,913 |
| Noninterest income to average assets | 0.2531% | 5,405 |
| Noninterest expense to average assets | 2.4237% | 4,747 |
| Loan and lease loss provision to assets | -0.3024% | 6,462 |
| Net operating income to assets | 1.1109% | 1,983 |
| Return on assets (ROA) | 1.1066% | 2,063 |
| Pretax return on assets | 1.1447% | 3,012 |
| Return on Equity (ROE) | 11.6256% | 1,585 |
| Retained earnings to average equity (ytd only) | 5.1304% | 2,999 |
| Net charge-offs to loans | 0.0197% | 4,134 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | 62.9988% | 838 |
| Efficiency ratio | 74.1096% | 2,807 |
| Assets per employee ($millions) | 6.1712% | 1,224 |
| Cash dividends to net income (ytd only)* | 55.8703% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 1,761 |
| Loan loss allowance to noncurrent loans | 41.9037% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.2020% | 704 |
| Noncurrent loans to loans | 4.2262% | 478 |
| Net loans and leases to total assets | 68.8488% | 2,403 |
| Net loans and leases to deposits | 93.1509% | 1,110 |
| Net loans and leases to core deposits | 94.2231% | 1,838 |
| Total domestic deposits to total assets | 73.9111% | 6,022 |
| Equity capital to assets | 9.6545% | 4,603 |
| Core capital (leverage) ratio | 10.1842% | 3,432 |
| Tier 1 risk-based capital ratio | 12.5775% | 5,127 |
| Total risk-based capital ratio | 13.8328% | 5,050 |
| Memoranda: | ||
| Average total assets | $59,521,500 | 5,623 |
| Average earning assets | $55,861,750 | 5,584 |
| Average equity | $5,665,500 | 5,755 |
| Average total loans | $40,524,000 | 5,214 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,341 |
| Cost of funding earning assets | 0.8941% | 443 |
| Net interest margin | 3.2057% | 4,928 |
| Noninterest income to average assets | 0.2824% | 5,164 |
| Noninterest expense to average assets | 2.4323% | 4,792 |
| Loan and lease loss provision to assets | -0.3062% | 6,533 |
| Net operating income to assets | 1.1192% | 1,864 |
| Return on assets (ROA) | 1.1192% | 1,938 |
| Pretax return on assets | 1.1566% | 2,847 |
| Return on Equity (ROE) | 11.8175% | 1,475 |
| Retained earnings to average equity (ytd only) | 4.8132% | 3,078 |
| Net charge-offs to loans | 0.0303% | 3,590 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,027 |
| Efficiency ratio | 74.0933% | 2,962 |
| Assets per employee ($millions) | 6.0072% | 1,273 |
| Cash dividends to net income (ytd only)* | 59.2705% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0227% | 1,325 |
| Loan loss allowance to noncurrent loans | 46.3694% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 3.1579% | 794 |
| Noncurrent loans to loans | 4.3621% | 508 |
| Net loans and leases to total assets | 65.3949% | 2,851 |
| Net loans and leases to deposits | 79.8748% | 2,530 |
| Net loans and leases to core deposits | 80.7233% | 3,126 |
| Total domestic deposits to total assets | 81.8718% | 4,690 |
| Equity capital to assets | 9.6617% | 4,540 |
| Core capital (leverage) ratio | 10.1925% | 3,357 |
| Tier 1 risk-based capital ratio | 13.4847% | 4,591 |
| Total risk-based capital ratio | 14.7412% | 4,531 |
| Memoranda: | ||
| Average total assets | $58,791,330 | 5,695 |
| Average earning assets | $55,027,000 | 5,662 |
| Average equity | $5,568,000 | 5,813 |
| Average total loans | $39,614,000 | 5,295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,588 |
| Cost of funding earning assets | 0.8916% | 478 |
| Net interest margin | 3.3896% | 4,171 |
| Noninterest income to average assets | 0.4127% | 4,084 |
| Noninterest expense to average assets | 2.4763% | 4,695 |
| Loan and lease loss provision to assets | -0.3095% | 6,619 |
| Net operating income to assets | 1.3689% | 1,062 |
| Return on assets (ROA) | 1.3689% | 1,105 |
| Pretax return on assets | 1.4101% | 1,713 |
| Return on Equity (ROE) | 14.6055% | 843 |
| Retained earnings to average equity (ytd only) | 7.2661% | 1,918 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 3,960 |
| Assets per employee ($millions) | 5.7561% | 1,493 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 1,092 |
| Loan loss allowance to noncurrent loans | 97.0721% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7998% | 1,948 |
| Noncurrent loans to loans | 2.3261% | 1,526 |
| Net loans and leases to total assets | 64.8251% | 2,757 |
| Net loans and leases to deposits | 78.1772% | 2,534 |
| Net loans and leases to core deposits | 79.7069% | 3,005 |
| Total domestic deposits to total assets | 82.9207% | 4,633 |
| Equity capital to assets | 9.7462% | 4,168 |
| Core capital (leverage) ratio | 10.1711% | 3,322 |
| Tier 1 risk-based capital ratio | 13.8175% | 4,454 |
| Total risk-based capital ratio | 15.0766% | 4,397 |
| Memoranda: | ||
| Average total assets | $58,151,000 | 5,763 |
| Average earning assets | $54,284,000 | 5,729 |
| Average equity | $5,450,000 | 5,884 |
| Average total loans | $39,373,500 | 5,346 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 2,291 |
| Cost of funding earning assets | 0.9749% | 514 |
| Net interest margin | 3.5051% | 3,881 |
| Noninterest income to average assets | 0.2189% | 5,768 |
| Noninterest expense to average assets | 2.4887% | 4,802 |
| Loan and lease loss provision to assets | -0.0513% | 6,387 |
| Net operating income to assets | 1.0304% | 2,198 |
| Return on assets (ROA) | 1.0553% | 2,171 |
| Pretax return on assets | 1.0913% | 2,979 |
| Return on Equity (ROE) | 11.3569% | 1,651 |
| Retained earnings to average equity (ytd only) | 7.2154% | 1,351 |
| Net charge-offs to loans | -0.3027% | 6,676 |
| Credit loss provision to net charge-offs | 25.4237% | 4,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0449% | 3,660 |
| Assets per employee ($millions) | 5.8741% | 1,358 |
| Cash dividends to net income (ytd only)* | 36.4668% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 1,132 |
| Loan loss allowance to noncurrent loans | 90.0695% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9663% | 1,828 |
| Noncurrent loans to loans | 2.4821% | 1,530 |
| Net loans and leases to total assets | 67.5235% | 2,432 |
| Net loans and leases to deposits | 88.7814% | 1,377 |
| Net loans and leases to core deposits | 90.6357% | 1,947 |
| Total domestic deposits to total assets | 76.0559% | 6,091 |
| Equity capital to assets | 9.0056% | 5,028 |
| Core capital (leverage) ratio | 9.9711% | 3,614 |
| Tier 1 risk-based capital ratio | 12.8811% | 5,061 |
| Total risk-based capital ratio | 14.1410% | 4,999 |
| Memoranda: | ||
| Average total assets | $58,465,000 | 5,795 |
| Average earning assets | $54,777,600 | 5,738 |
| Average equity | $5,432,800 | 5,953 |
| Average total loans | $38,988,400 | 5,392 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,766 |
| Cost of funding earning assets | 0.9965% | 502 |
| Net interest margin | 3.3573% | 4,440 |
| Noninterest income to average assets | 0.2397% | 5,721 |
| Noninterest expense to average assets | 2.5115% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8405% | 3,137 |
| Return on assets (ROA) | 0.8471% | 3,229 |
| Pretax return on assets | 0.8813% | 3,961 |
| Return on Equity (ROE) | 9.0454% | 2,608 |
| Retained earnings to average equity (ytd only) | 6.5342% | 2,114 |
| Net charge-offs to loans | -0.1244% | 6,548 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1740% | 3,032 |
| Assets per employee ($millions) | 5.8115% | 1,369 |
| Cash dividends to net income (ytd only)* | 27.7631% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 1,355 |
| Loan loss allowance to noncurrent loans | 88.6929% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.9134% | 2,117 |
| Noncurrent loans to loans | 2.4603% | 1,770 |
| Net loans and leases to total assets | 65.9520% | 2,647 |
| Net loans and leases to deposits | 87.0715% | 1,482 |
| Net loans and leases to core deposits | 88.4030% | 2,141 |
| Total domestic deposits to total assets | 75.7446% | 6,200 |
| Equity capital to assets | 9.0200% | 5,163 |
| Core capital (leverage) ratio | 9.8206% | 3,930 |
| Tier 1 risk-based capital ratio | 13.0902% | 5,062 |
| Total risk-based capital ratio | 14.3488% | 5,007 |
| Memoranda: | ||
| Average total assets | $58,396,000 | 5,863 |
| Average earning assets | $54,725,000 | 5,806 |
| Average equity | $5,468,500 | 6,013 |
| Average total loans | $38,592,750 | 5,456 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0986% | 3,741 |
| Cost of funding earning assets | 1.0219% | 487 |
| Net interest margin | 3.0767% | 5,344 |
| Noninterest income to average assets | 0.2462% | 5,688 |
| Noninterest expense to average assets | 2.5509% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5544% | 4,533 |
| Return on assets (ROA) | 0.5642% | 4,651 |
| Pretax return on assets | 0.5881% | 5,060 |
| Return on Equity (ROE) | 5.9524% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.9524% | 2,469 |
| Net charge-offs to loans | -0.0365% | 6,144 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5301% | 1,959 |
| Assets per employee ($millions) | 5.8312% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 1,383 |
| Loan loss allowance to noncurrent loans | 50.2128% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 3.0748% | 1,308 |
| Noncurrent loans to loans | 4.4219% | 799 |
| Net loans and leases to total assets | 62.3800% | 3,223 |
| Net loans and leases to deposits | 79.8205% | 2,344 |
| Net loans and leases to core deposits | 81.5839% | 2,843 |
| Total domestic deposits to total assets | 78.1503% | 5,952 |
| Equity capital to assets | 9.1868% | 5,008 |
| Core capital (leverage) ratio | 9.6946% | 3,942 |
| Tier 1 risk-based capital ratio | 13.1319% | 5,043 |
| Total risk-based capital ratio | 14.3911% | 4,977 |
| Memoranda: | ||
| Average total assets | $58,489,670 | 5,896 |
| Average earning assets | $54,799,000 | 5,832 |
| Average equity | $5,544,000 | 6,030 |
| Average total loans | $38,396,000 | 5,489 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 3,757 |
| Cost of funding earning assets | 1.0634% | 447 |
| Net interest margin | 3.0300% | 5,483 |
| Noninterest income to average assets | 0.4302% | 4,248 |
| Noninterest expense to average assets | 2.7314% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5190% | 4,571 |
| Return on assets (ROA) | 0.5190% | 4,716 |
| Pretax return on assets | 0.5394% | 5,149 |
| Return on Equity (ROE) | 5.3925% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.3925% | 3,011 |
| Net charge-offs to loans | -0.0615% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5073% | 1,832 |
| Assets per employee ($millions) | 5.8662% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2335% | 1,516 |
| Loan loss allowance to noncurrent loans | 49.1657% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 3.1434% | 1,400 |
| Noncurrent loans to loans | 4.5427% | 913 |
| Net loans and leases to total assets | 61.5611% | 3,152 |
| Net loans and leases to deposits | 77.0230% | 2,485 |
| Net loans and leases to core deposits | 80.0359% | 2,801 |
| Total domestic deposits to total assets | 79.9257% | 5,765 |
| Equity capital to assets | 9.6553% | 4,634 |
| Core capital (leverage) ratio | 9.5031% | 4,070 |
| Tier 1 risk-based capital ratio | 13.0552% | 5,177 |
| Total risk-based capital ratio | 14.3142% | 5,123 |
| Memoranda: | ||
| Average total assets | $58,578,500 | 5,944 |
| Average earning assets | $54,918,000 | 5,873 |
| Average equity | $5,637,500 | 6,067 |
| Average total loans | $38,993,500 | 5,506 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 3,008 |
| Cost of funding earning assets | 1.2229% | 521 |
| Net interest margin | 3.3766% | 4,973 |
| Noninterest income to average assets | 0.2919% | 5,382 |
| Noninterest expense to average assets | 2.3587% | 5,533 |
| Loan and lease loss provision to assets | 1.1828% | 306 |
| Net operating income to assets | -0.0882% | 6,273 |
| Return on assets (ROA) | 0.1561% | 6,040 |
| Pretax return on assets | 0.1629% | 6,046 |
| Return on Equity (ROE) | 1.6927% | 5,981 |
| Retained earnings to average equity (ytd only) | 0.1288% | 5,773 |
| Net charge-offs to loans | 1.2074% | 833 |
| Credit loss provision to net charge-offs | 147.3573% | 1,847 |
| Earnings coverage of net charge-offs (x) | 1.3594% | 4,774 |
| Efficiency ratio | 68.3719% | 4,074 |
| Assets per employee ($millions) | 5.8495% | 1,397 |
| Cash dividends to net income (ytd only)* | 92.3913% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 2,027 |
| Loan loss allowance to noncurrent loans | 44.3422% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 3.4413% | 1,324 |
| Noncurrent loans to loans | 4.4995% | 947 |
| Net loans and leases to total assets | 68.7751% | 2,069 |
| Net loans and leases to deposits | 86.2990% | 1,479 |
| Net loans and leases to core deposits | 93.1530% | 1,539 |
| Total domestic deposits to total assets | 79.6940% | 5,744 |
| Equity capital to assets | 9.5923% | 4,762 |
| Core capital (leverage) ratio | 9.4283% | 4,212 |
| Tier 1 risk-based capital ratio | 11.8131% | 5,901 |
| Total risk-based capital ratio | 13.0694% | 5,861 |
| Memoranda: | ||
| Average total assets | $58,930,200 | 5,948 |
| Average earning assets | $55,115,000 | 5,884 |
| Average equity | $5,435,200 | 6,169 |
| Average total loans | $39,176,400 | 5,544 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 3,577 |
| Cost of funding earning assets | 1.2457% | 564 |
| Net interest margin | 3.2687% | 5,487 |
| Noninterest income to average assets | 0.3207% | 5,218 |
| Noninterest expense to average assets | 2.3125% | 5,652 |
| Loan and lease loss provision to assets | 1.6305% | 181 |
| Net operating income to assets | -0.5759% | 6,729 |
| Return on assets (ROA) | -0.2868% | 6,623 |
| Pretax return on assets | -0.2755% | 6,586 |
| Return on Equity (ROE) | -3.1408% | 6,627 |
| Retained earnings to average equity (ytd only) | -5.2429% | 6,629 |
| Net charge-offs to loans | 1.7085% | 476 |
| Credit loss provision to net charge-offs | 145.5645% | 1,958 |
| Earnings coverage of net charge-offs (x) | 0.9516% | 4,849 |
| Efficiency ratio | 68.4492% | 3,968 |
| Assets per employee ($millions) | 5.8535% | 1,336 |
| Cash dividends to net income (ytd only)* | -66.9285% | 7,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0853% | 1,943 |
| Loan loss allowance to noncurrent loans | 26.9622% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 5.4856% | 776 |
| Noncurrent loans to loans | 7.7343% | 424 |
| Net loans and leases to total assets | 65.8563% | 2,681 |
| Net loans and leases to deposits | 81.1421% | 2,229 |
| Net loans and leases to core deposits | 89.5655% | 2,042 |
| Total domestic deposits to total assets | 81.1617% | 5,311 |
| Equity capital to assets | 9.2150% | 5,576 |
| Core capital (leverage) ratio | 9.0017% | 5,068 |
| Tier 1 risk-based capital ratio | 11.6818% | 6,127 |
| Total risk-based capital ratio | 12.9381% | 6,105 |
| Memoranda: | ||
| Average total assets | $59,039,000 | 6,011 |
| Average earning assets | $55,229,000 | 5,955 |
| Average equity | $5,391,250 | 6,246 |
| Average total loans | $38,708,250 | 5,628 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 3,514 |
| Cost of funding earning assets | 1.2536% | 636 |
| Net interest margin | 3.3093% | 5,415 |
| Noninterest income to average assets | 0.3446% | 5,079 |
| Noninterest expense to average assets | 2.3004% | 5,737 |
| Loan and lease loss provision to assets | 1.5201% | 236 |
| Net operating income to assets | -0.4020% | 6,683 |
| Return on assets (ROA) | -0.2263% | 6,628 |
| Pretax return on assets | -0.2061% | 6,591 |
| Return on Equity (ROE) | -2.4859% | 6,645 |
| Retained earnings to average equity (ytd only) | -5.6397% | 6,653 |
| Net charge-offs to loans | 1.3303% | 794 |
| Credit loss provision to net charge-offs | 175.7813% | 1,604 |
| Earnings coverage of net charge-offs (x) | 1.3164% | 4,343 |
| Efficiency ratio | 66.8959% | 4,340 |
| Assets per employee ($millions) | 5.9269% | 1,284 |
| Cash dividends to net income (ytd only)* | -126.8657% | 7,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 2,003 |
| Loan loss allowance to noncurrent loans | 23.0432% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 6.0571% | 701 |
| Noncurrent loans to loans | 9.1120% | 330 |
| Net loans and leases to total assets | 62.0695% | 3,421 |
| Net loans and leases to deposits | 75.0347% | 3,123 |
| Net loans and leases to core deposits | 82.5380% | 2,894 |
| Total domestic deposits to total assets | 82.7212% | 4,868 |
| Equity capital to assets | 9.1009% | 5,578 |
| Core capital (leverage) ratio | 9.0669% | 4,810 |
| Tier 1 risk-based capital ratio | 12.2150% | 5,783 |
| Total risk-based capital ratio | 13.4684% | 5,764 |
| Memoranda: | ||
| Average total assets | $59,207,000 | 6,044 |
| Average earning assets | $55,359,330 | 5,983 |
| Average equity | $5,390,330 | 6,267 |
| Average total loans | $38,487,670 | 5,666 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 2,859 |
| Cost of funding earning assets | 1.2734% | 706 |
| Net interest margin | 3.4728% | 4,820 |
| Noninterest income to average assets | 0.4664% | 4,176 |
| Noninterest expense to average assets | 2.3861% | 5,517 |
| Loan and lease loss provision to assets | 2.9269% | 76 |
| Net operating income to assets | -1.6358% | 7,115 |
| Return on assets (ROA) | -1.6290% | 7,117 |
| Pretax return on assets | -1.5952% | 7,090 |
| Return on Equity (ROE) | -17.8900% | 7,092 |
| Retained earnings to average equity (ytd only) | -24.1997% | 7,092 |
| Net charge-offs to loans | 2.6295% | 303 |
| Credit loss provision to net charge-offs | 169.1406% | 1,513 |
| Earnings coverage of net charge-offs (x) | 0.7656% | 3,951 |
| Efficiency ratio | 64.2987% | 4,872 |
| Assets per employee ($millions) | 5.8759% | 1,359 |
| Cash dividends to net income (ytd only)* | -35.2697% | 7,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 2,325 |
| Loan loss allowance to noncurrent loans | 22.5401% | 6,468 |
| Noncurrent assets plus other real estate owned to assets | 6.1114% | 759 |
| Noncurrent loans to loans | 8.9218% | 389 |
| Net loans and leases to total assets | 64.0191% | 2,845 |
| Net loans and leases to deposits | 77.4315% | 2,604 |
| Net loans and leases to core deposits | 85.2336% | 2,377 |
| Total domestic deposits to total assets | 82.6784% | 5,050 |
| Equity capital to assets | 8.9603% | 5,555 |
| Core capital (leverage) ratio | 8.7898% | 5,143 |
| Tier 1 risk-based capital ratio | 11.5930% | 6,225 |
| Total risk-based capital ratio | 12.8499% | 6,203 |
| Memoranda: | ||
| Average total assets | $59,176,000 | 6,090 |
| Average earning assets | $55,287,000 | 6,020 |
| Average equity | $5,388,500 | 6,307 |
| Average total loans | $38,943,000 | 5,685 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 3,553 |
| Cost of funding earning assets | 1.4604% | 830 |
| Net interest margin | 3.3979% | 5,487 |
| Noninterest income to average assets | 0.3137% | 5,301 |
| Noninterest expense to average assets | 2.4051% | 5,760 |
| Loan and lease loss provision to assets | 0.2314% | 3,888 |
| Net operating income to assets | 0.8204% | 2,954 |
| Return on assets (ROA) | 0.8434% | 3,013 |
| Pretax return on assets | 0.8760% | 3,687 |
| Return on Equity (ROE) | 9.1457% | 2,389 |
| Retained earnings to average equity (ytd only) | 4.6286% | 2,891 |
| Net charge-offs to loans | 0.4979% | 3,003 |
| Credit loss provision to net charge-offs | 73.7705% | 4,706 |
| Earnings coverage of net charge-offs (x) | 3.4536% | 3,515 |
| Efficiency ratio | 68.9435% | 4,166 |
| Assets per employee ($millions) | 5.4175% | 1,724 |
| Cash dividends to net income (ytd only)* | 49.3902% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 3,991 |
| Loan loss allowance to noncurrent loans | 30.9896% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 3.5155% | 1,683 |
| Noncurrent loans to loans | 4.8611% | 1,184 |
| Net loans and leases to total assets | 65.2795% | 2,923 |
| Net loans and leases to deposits | 87.0213% | 1,521 |
| Net loans and leases to core deposits | 97.5819% | 1,368 |
| Total domestic deposits to total assets | 75.0155% | 6,604 |
| Equity capital to assets | 9.2494% | 5,212 |
| Core capital (leverage) ratio | 9.1723% | 4,507 |
| Tier 1 risk-based capital ratio | 11.8307% | 5,940 |
| Total risk-based capital ratio | 13.0824% | 5,923 |
| Memoranda: | ||
| Average total assets | $58,333,400 | 6,095 |
| Average earning assets | $54,504,800 | 6,026 |
| Average equity | $5,379,600 | 6,330 |
| Average total loans | $36,757,600 | 5,839 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 3,798 |
| Cost of funding earning assets | 1.4912% | 895 |
| Net interest margin | 3.3565% | 5,694 |
| Noninterest income to average assets | 0.3263% | 5,254 |
| Noninterest expense to average assets | 2.4612% | 5,590 |
| Loan and lease loss provision to assets | 0.2068% | 3,950 |
| Net operating income to assets | 0.7639% | 3,324 |
| Return on assets (ROA) | 0.7859% | 3,397 |
| Pretax return on assets | 0.8158% | 4,067 |
| Return on Equity (ROE) | 8.5288% | 2,804 |
| Retained earnings to average equity (ytd only) | 4.3142% | 3,659 |
| Net charge-offs to loans | 0.6283% | 2,366 |
| Credit loss provision to net charge-offs | 52.9412% | 4,972 |
| Earnings coverage of net charge-offs (x) | 2.5589% | 3,840 |
| Efficiency ratio | 71.1155% | 3,719 |
| Assets per employee ($millions) | 5.5072% | 1,592 |
| Cash dividends to net income (ytd only)* | 49.4156% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 4,270 |
| Loan loss allowance to noncurrent loans | 28.9907% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 3.4946% | 1,805 |
| Noncurrent loans to loans | 5.0511% | 1,222 |
| Net loans and leases to total assets | 62.5365% | 3,601 |
| Net loans and leases to deposits | 81.0613% | 2,515 |
| Net loans and leases to core deposits | 90.3937% | 2,205 |
| Total domestic deposits to total assets | 77.1472% | 6,355 |
| Equity capital to assets | 9.1880% | 5,528 |
| Core capital (leverage) ratio | 9.2166% | 4,602 |
| Tier 1 risk-based capital ratio | 11.9204% | 5,950 |
| Total risk-based capital ratio | 13.1706% | 5,928 |
| Memoranda: | ||
| Average total assets | $58,018,500 | 6,152 |
| Average earning assets | $54,182,250 | 6,092 |
| Average equity | $5,346,500 | 6,390 |
| Average total loans | $36,072,750 | 5,916 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 3,920 |
| Cost of funding earning assets | 1.5253% | 920 |
| Net interest margin | 3.3124% | 5,818 |
| Noninterest income to average assets | 0.3289% | 5,261 |
| Noninterest expense to average assets | 2.5470% | 5,370 |
| Loan and lease loss provision to assets | 0.2099% | 3,816 |
| Net operating income to assets | 0.6483% | 3,806 |
| Return on assets (ROA) | 0.6822% | 3,757 |
| Pretax return on assets | 0.7067% | 4,363 |
| Return on Equity (ROE) | 7.3957% | 3,242 |
| Retained earnings to average equity (ytd only) | 3.7168% | 3,851 |
| Net charge-offs to loans | 0.1984% | 3,959 |
| Credit loss provision to net charge-offs | 171.4286% | 1,762 |
| Earnings coverage of net charge-offs (x) | 7.2000% | 2,258 |
| Efficiency ratio | 74.2857% | 3,311 |
| Assets per employee ($millions) | 5.3563% | 1,704 |
| Cash dividends to net income (ytd only)* | 49.7436% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8761% | 2,745 |
| Loan loss allowance to noncurrent loans | 29.5837% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 4.1311% | 1,544 |
| Noncurrent loans to loans | 6.3418% | 901 |
| Net loans and leases to total assets | 59.2967% | 4,414 |
| Net loans and leases to deposits | 72.6900% | 4,003 |
| Net loans and leases to core deposits | 81.8063% | 3,535 |
| Total domestic deposits to total assets | 81.5747% | 5,326 |
| Equity capital to assets | 9.2093% | 5,267 |
| Core capital (leverage) ratio | 9.2211% | 4,367 |
| Tier 1 risk-based capital ratio | 12.6480% | 5,221 |
| Total risk-based capital ratio | 13.9031% | 5,187 |
| Memoranda: | ||
| Average total assets | $57,165,000 | 6,232 |
| Average earning assets | $53,496,000 | 6,163 |
| Average equity | $5,273,330 | 6,442 |
| Average total loans | $35,281,330 | 6,009 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 4,341 |
| Cost of funding earning assets | 1.5590% | 949 |
| Net interest margin | 3.1789% | 6,136 |
| Noninterest income to average assets | 0.4335% | 4,425 |
| Noninterest expense to average assets | 2.4588% | 5,712 |
| Loan and lease loss provision to assets | 0.2132% | 3,518 |
| Net operating income to assets | 0.7052% | 3,498 |
| Return on assets (ROA) | 0.7462% | 3,358 |
| Pretax return on assets | 0.7746% | 3,996 |
| Return on Equity (ROE) | 8.0816% | 2,873 |
| Retained earnings to average equity (ytd only) | 4.0793% | 3,713 |
| Net charge-offs to loans | 0.2392% | 3,119 |
| Credit loss provision to net charge-offs | 142.8571% | 1,972 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,116 |
| Efficiency ratio | 72.2338% | 3,813 |
| Assets per employee ($millions) | 5.2001% | 1,895 |
| Cash dividends to net income (ytd only)* | 49.5238% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 2,645 |
| Loan loss allowance to noncurrent loans | 29.0553% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 4.2307% | 1,556 |
| Noncurrent loans to loans | 6.5857% | 891 |
| Net loans and leases to total assets | 58.4290% | 4,569 |
| Net loans and leases to deposits | 71.8444% | 4,091 |
| Net loans and leases to core deposits | 81.1627% | 3,579 |
| Total domestic deposits to total assets | 81.3272% | 5,559 |
| Equity capital to assets | 9.1607% | 4,935 |
| Core capital (leverage) ratio | 9.6720% | 3,565 |
| Tier 1 risk-based capital ratio | 13.4732% | 4,439 |
| Total risk-based capital ratio | 14.7283% | 4,416 |
| Memoranda: | ||
| Average total assets | $56,288,000 | 6,301 |
| Average earning assets | $52,597,000 | 6,251 |
| Average equity | $5,197,000 | 6,484 |
| Average total loans | $35,119,500 | 6,076 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 3,253 |
| Cost of funding earning assets | 1.8027% | 1,163 |
| Net interest margin | 3.4698% | 5,363 |
| Noninterest income to average assets | 0.3067% | 5,602 |
| Noninterest expense to average assets | 2.2882% | 6,390 |
| Loan and lease loss provision to assets | 0.4235% | 3,571 |
| Net operating income to assets | 0.7739% | 2,908 |
| Return on assets (ROA) | 0.8174% | 2,859 |
| Pretax return on assets | 0.8505% | 3,470 |
| Return on Equity (ROE) | 8.7778% | 2,387 |
| Retained earnings to average equity (ytd only) | 4.4170% | 2,761 |
| Net charge-offs to loans | 0.2770% | 4,640 |
| Credit loss provision to net charge-offs | 220.9091% | 1,358 |
| Earnings coverage of net charge-offs (x) | 6.4091% | 2,367 |
| Efficiency ratio | 65.0644% | 5,151 |
| Assets per employee ($millions) | 5.0341% | 2,107 |
| Cash dividends to net income (ytd only)* | 49.6802% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,933 |
| Loan loss allowance to noncurrent loans | 38.2738% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 3.3499% | 2,101 |
| Noncurrent loans to loans | 4.6454% | 1,504 |
| Net loans and leases to total assets | 64.1481% | 3,844 |
| Net loans and leases to deposits | 81.2916% | 2,931 |
| Net loans and leases to core deposits | 92.9287% | 2,395 |
| Total domestic deposits to total assets | 78.9111% | 6,103 |
| Equity capital to assets | 9.3074% | 4,678 |
| Core capital (leverage) ratio | 9.6373% | 3,501 |
| Tier 1 risk-based capital ratio | 12.7164% | 4,848 |
| Total risk-based capital ratio | 13.9718% | 4,818 |
| Memoranda: | ||
| Average total assets | $57,380,400 | 6,293 |
| Average earning assets | $53,086,800 | 6,250 |
| Average equity | $5,343,000 | 6,555 |
| Average total loans | $39,709,000 | 5,932 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 3,220 |
| Cost of funding earning assets | 1.8484% | 1,219 |
| Net interest margin | 3.4797% | 5,376 |
| Noninterest income to average assets | 0.4031% | 4,935 |
| Noninterest expense to average assets | 2.2505% | 6,463 |
| Loan and lease loss provision to assets | 0.4906% | 3,015 |
| Net operating income to assets | 0.8451% | 2,825 |
| Return on assets (ROA) | 0.9099% | 2,715 |
| Pretax return on assets | 0.9421% | 3,398 |
| Return on Equity (ROE) | 9.7704% | 2,220 |
| Retained earnings to average equity (ytd only) | 4.9224% | 3,043 |
| Net charge-offs to loans | 0.3941% | 3,712 |
| Credit loss provision to net charge-offs | 177.5000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 4.9416% | 2,889 |
| Efficiency ratio | 62.2293% | 5,582 |
| Assets per employee ($millions) | 5.1699% | 1,979 |
| Cash dividends to net income (ytd only)* | 49.6212% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 3,433 |
| Loan loss allowance to noncurrent loans | 34.7703% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 3.5485% | 2,004 |
| Noncurrent loans to loans | 4.6672% | 1,523 |
| Net loans and leases to total assets | 65.3449% | 3,833 |
| Net loans and leases to deposits | 84.0195% | 2,700 |
| Net loans and leases to core deposits | 95.8252% | 2,285 |
| Total domestic deposits to total assets | 77.7735% | 6,299 |
| Equity capital to assets | 9.7927% | 4,424 |
| Core capital (leverage) ratio | 9.0778% | 4,559 |
| Tier 1 risk-based capital ratio | 12.3202% | 5,155 |
| Total risk-based capital ratio | 13.5722% | 5,132 |
| Memoranda: | ||
| Average total assets | $57,881,750 | 6,354 |
| Average earning assets | $53,451,250 | 6,300 |
| Average equity | $5,390,250 | 6,628 |
| Average total loans | $40,595,000 | 5,979 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 2,164 |
| Cost of funding earning assets | 2.0898% | 683 |
| Net interest margin | 3.5027% | 5,233 |
| Noninterest income to average assets | 0.4466% | 4,554 |
| Noninterest expense to average assets | 2.2467% | 6,521 |
| Loan and lease loss provision to assets | 0.2061% | 4,815 |
| Net operating income to assets | 1.2070% | 1,538 |
| Return on assets (ROA) | 1.1336% | 1,808 |
| Pretax return on assets | 1.1714% | 2,511 |
| Return on Equity (ROE) | 12.3812% | 1,368 |
| Retained earnings to average equity (ytd only) | 6.3407% | 2,147 |
| Net charge-offs to loans | 0.1107% | 5,052 |
| Credit loss provision to net charge-offs | 260.8696% | 1,456 |
| Earnings coverage of net charge-offs (x) | 18.3913% | 1,290 |
| Efficiency ratio | 60.7242% | 5,914 |
| Assets per employee ($millions) | 5.4410% | 1,676 |
| Cash dividends to net income (ytd only)* | 48.7879% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 4,878 |
| Loan loss allowance to noncurrent loans | 34.2138% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 3.1478% | 2,253 |
| Noncurrent loans to loans | 3.8176% | 2,018 |
| Net loans and leases to total assets | 70.3213% | 2,833 |
| Net loans and leases to deposits | 91.9655% | 1,536 |
| Net loans and leases to core deposits | 104.3409% | 1,609 |
| Total domestic deposits to total assets | 76.4649% | 6,606 |
| Equity capital to assets | 9.1744% | 5,180 |
| Core capital (leverage) ratio | 9.2734% | 4,167 |
| Tier 1 risk-based capital ratio | 11.1371% | 6,107 |
| Total risk-based capital ratio | 12.3005% | 6,179 |
| Memoranda: | ||
| Average total assets | $58,219,330 | 6,382 |
| Average earning assets | $54,072,670 | 6,320 |
| Average equity | $5,330,670 | 6,678 |
| Average total loans | $41,535,330 | 5,978 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 2,512 |
| Cost of funding earning assets | 1.9114% | 1,401 |
| Net interest margin | 3.6045% | 4,707 |
| Noninterest income to average assets | 0.5505% | 3,648 |
| Noninterest expense to average assets | 2.2647% | 6,500 |
| Loan and lease loss provision to assets | 0.2090% | 4,413 |
| Net operating income to assets | 1.3751% | 1,131 |
| Return on assets (ROA) | 1.2264% | 1,547 |
| Pretax return on assets | 1.2612% | 2,170 |
| Return on Equity (ROE) | 13.4082% | 1,167 |
| Retained earnings to average equity (ytd only) | 6.7803% | 2,229 |
| Net charge-offs to loans | 0.1757% | 3,866 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 12.9444% | 1,533 |
| Efficiency ratio | 58.2437% | 6,452 |
| Assets per employee ($millions) | 5.4405% | 1,727 |
| Cash dividends to net income (ytd only)* | 49.4318% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 5,232 |
| Loan loss allowance to noncurrent loans | 33.6709% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 3.0663% | 2,331 |
| Noncurrent loans to loans | 3.7039% | 2,149 |
| Net loans and leases to total assets | 70.3918% | 2,830 |
| Net loans and leases to deposits | 91.7918% | 1,640 |
| Net loans and leases to core deposits | 108.3990% | 1,389 |
| Total domestic deposits to total assets | 76.6864% | 6,627 |
| Equity capital to assets | 8.8479% | 5,470 |
| Core capital (leverage) ratio | 8.8565% | 4,786 |
| Tier 1 risk-based capital ratio | 11.0783% | 6,089 |
| Total risk-based capital ratio | 12.2005% | 6,181 |
| Memoranda: | ||
| Average total assets | $57,403,500 | 6,487 |
| Average earning assets | $53,155,500 | 6,432 |
| Average equity | $5,250,500 | 6,757 |
| Average total loans | $40,980,500 | 6,079 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6756% | 3,225 |
| Cost of funding earning assets | 2.1249% | 2,346 |
| Net interest margin | 3.5507% | 4,744 |
| Noninterest income to average assets | 0.3397% | 5,658 |
| Noninterest expense to average assets | 2.5302% | 6,027 |
| Loan and lease loss provision to assets | 0.3121% | 4,950 |
| Net operating income to assets | 0.7689% | 2,642 |
| Return on assets (ROA) | 0.7253% | 2,907 |
| Pretax return on assets | 0.7620% | 3,367 |
| Return on Equity (ROE) | 7.6860% | 2,500 |
| Retained earnings to average equity (ytd only) | 2.1599% | 3,592 |
| Net charge-offs to loans | 0.1879% | 5,483 |
| Credit loss provision to net charge-offs | 226.6667% | 1,645 |
| Earnings coverage of net charge-offs (x) | 8.1333% | 1,995 |
| Efficiency ratio | 69.3159% | 4,767 |
| Assets per employee ($millions) | 4.9965% | 2,218 |
| Cash dividends to net income (ytd only)* | 71.8987% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 4,628 |
| Loan loss allowance to noncurrent loans | 33.4620% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 3.3314% | 2,050 |
| Noncurrent loans to loans | 3.9539% | 1,871 |
| Net loans and leases to total assets | 70.5633% | 3,111 |
| Net loans and leases to deposits | 87.8397% | 2,586 |
| Net loans and leases to core deposits | 128.3016% | 1,377 |
| Total domestic deposits to total assets | 80.3319% | 5,573 |
| Equity capital to assets | 9.4720% | 4,454 |
| Core capital (leverage) ratio | 9.3645% | 3,881 |
| Tier 1 risk-based capital ratio | 12.1411% | 4,821 |
| Total risk-based capital ratio | 13.3569% | 4,814 |
| Memoranda: | ||
| Average total assets | $54,461,400 | 6,542 |
| Average earning assets | $50,778,800 | 6,504 |
| Average equity | $5,139,200 | 6,893 |
| Average total loans | $39,916,400 | 6,114 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7032% | 3,325 |
| Cost of funding earning assets | 2.1374% | 2,720 |
| Net interest margin | 3.5658% | 4,614 |
| Noninterest income to average assets | 0.3411% | 5,762 |
| Noninterest expense to average assets | 2.5470% | 5,906 |
| Loan and lease loss provision to assets | 0.3435% | 4,265 |
| Net operating income to assets | 0.7447% | 3,043 |
| Return on assets (ROA) | 0.7214% | 3,201 |
| Pretax return on assets | 0.7582% | 3,675 |
| Return on Equity (ROE) | 7.6523% | 2,794 |
| Retained earnings to average equity (ytd only) | 1.5617% | 4,442 |
| Net charge-offs to loans | 0.2529% | 4,468 |
| Credit loss provision to net charge-offs | 184.2105% | 2,474 |
| Earnings coverage of net charge-offs (x) | 6.0395% | 2,678 |
| Efficiency ratio | 69.3387% | 4,722 |
| Assets per employee ($millions) | 5.0085% | 2,131 |
| Cash dividends to net income (ytd only)* | 79.5913% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,317 |
| Loan loss allowance to noncurrent loans | 30.9886% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 3.3979% | 1,965 |
| Noncurrent loans to loans | 3.7645% | 1,977 |
| Net loans and leases to total assets | 75.1983% | 2,192 |
| Net loans and leases to deposits | 93.6820% | 1,935 |
| Net loans and leases to core deposits | 137.7614% | 1,024 |
| Total domestic deposits to total assets | 80.2697% | 5,346 |
| Equity capital to assets | 9.4622% | 4,796 |
| Core capital (leverage) ratio | 9.5115% | 3,892 |
| Tier 1 risk-based capital ratio | 11.5584% | 5,376 |
| Total risk-based capital ratio | 12.6576% | 5,471 |
| Memoranda: | ||
| Average total assets | $54,336,250 | 6,596 |
| Average earning assets | $50,777,250 | 6,545 |
| Average equity | $5,122,500 | 6,961 |
| Average total loans | $40,069,750 | 6,154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7407% | 3,340 |
| Cost of funding earning assets | 2.1513% | 3,037 |
| Net interest margin | 3.5894% | 4,410 |
| Noninterest income to average assets | 0.3402% | 5,787 |
| Noninterest expense to average assets | 2.5812% | 5,814 |
| Loan and lease loss provision to assets | 0.4068% | 3,486 |
| Net operating income to assets | 0.6656% | 3,408 |
| Return on assets (ROA) | 0.6656% | 3,516 |
| Pretax return on assets | 0.7026% | 3,981 |
| Return on Equity (ROE) | 7.0695% | 3,171 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.0963% | 5,206 |
| Credit loss provision to net charge-offs | 578.9474% | 807 |
| Earnings coverage of net charge-offs (x) | 15.7895% | 1,574 |
| Efficiency ratio | 69.9399% | 4,796 |
| Assets per employee ($millions) | 4.8787% | 2,222 |
| Cash dividends to net income (ytd only)* | 100.0000% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 4,368 |
| Loan loss allowance to noncurrent loans | 28.8752% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 3.9261% | 1,530 |
| Noncurrent loans to loans | 4.4491% | 1,451 |
| Net loans and leases to total assets | 73.8810% | 2,737 |
| Net loans and leases to deposits | 92.8092% | 2,317 |
| Net loans and leases to core deposits | 129.8775% | 1,578 |
| Total domestic deposits to total assets | 79.6053% | 5,586 |
| Equity capital to assets | 9.2424% | 4,948 |
| Core capital (leverage) ratio | 9.4131% | 4,012 |
| Tier 1 risk-based capital ratio | 11.9133% | 4,989 |
| Total risk-based capital ratio | 13.1200% | 4,938 |
| Memoranda: | ||
| Average total assets | $54,084,000 | 6,669 |
| Average earning assets | $50,481,670 | 6,612 |
| Average equity | $5,092,330 | 7,027 |
| Average total loans | $39,453,670 | 6,229 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8392% | 3,096 |
| Cost of funding earning assets | 2.1600% | 3,370 |
| Net interest margin | 3.6792% | 3,985 |
| Noninterest income to average assets | 0.3831% | 5,357 |
| Noninterest expense to average assets | 2.3207% | 6,464 |
| Loan and lease loss provision to assets | 0.5894% | 2,136 |
| Net operating income to assets | 0.8031% | 3,118 |
| Return on assets (ROA) | 0.8031% | 3,274 |
| Pretax return on assets | 0.8988% | 3,717 |
| Return on Equity (ROE) | 8.4521% | 2,943 |
| Retained earnings to average equity (ytd only) | 5.9707% | 2,640 |
| Net charge-offs to loans | -0.0614% | 7,758 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9284% | 6,264 |
| Assets per employee ($millions) | 4.8903% | 2,193 |
| Cash dividends to net income (ytd only)* | 29.3578% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,032 |
| Loan loss allowance to noncurrent loans | 29.3678% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 3.3257% | 1,643 |
| Noncurrent loans to loans | 4.4518% | 1,294 |
| Net loans and leases to total assets | 71.7082% | 3,303 |
| Net loans and leases to deposits | 92.9427% | 2,443 |
| Net loans and leases to core deposits | 128.5200% | 1,744 |
| Total domestic deposits to total assets | 77.1532% | 6,238 |
| Equity capital to assets | 9.6146% | 4,502 |
| Core capital (leverage) ratio | 9.8335% | 3,596 |
| Tier 1 risk-based capital ratio | 12.7238% | 4,370 |
| Total risk-based capital ratio | 13.9501% | 4,313 |
| Memoranda: | ||
| Average total assets | $54,293,000 | 6,696 |
| Average earning assets | $50,555,000 | 6,636 |
| Average equity | $5,158,500 | 7,063 |
| Average total loans | $39,098,000 | 6,272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2596% | 4,185 |
| Cost of funding earning assets | 3.0945% | 1,519 |
| Net interest margin | 3.1651% | 6,478 |
| Noninterest income to average assets | 0.3622% | 5,820 |
| Noninterest expense to average assets | 2.3428% | 6,584 |
| Loan and lease loss provision to assets | 0.2948% | 4,027 |
| Net operating income to assets | 0.6336% | 4,176 |
| Return on assets (ROA) | 0.4894% | 4,614 |
| Pretax return on assets | 0.5086% | 4,947 |
| Return on Equity (ROE) | 4.9443% | 4,416 |
| Retained earnings to average equity (ytd only) | 0.0973% | 5,175 |
| Net charge-offs to loans | 0.1904% | 4,281 |
| Credit loss provision to net charge-offs | 221.7391% | 2,158 |
| Earnings coverage of net charge-offs (x) | 7.1739% | 3,168 |
| Efficiency ratio | 71.0695% | 4,119 |
| Assets per employee ($millions) | 4.9812% | 1,958 |
| Cash dividends to net income (ytd only)* | 98.0315% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,374 |
| Loan loss allowance to noncurrent loans | 21.6616% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 3.6811% | 1,183 |
| Noncurrent loans to loans | 5.0165% | 877 |
| Net loans and leases to total assets | 70.6039% | 3,882 |
| Net loans and leases to deposits | 94.9746% | 2,617 |
| Net loans and leases to core deposits | 129.8929% | 1,862 |
| Total domestic deposits to total assets | 74.3398% | 6,591 |
| Equity capital to assets | 9.3899% | 4,833 |
| Core capital (leverage) ratio | 9.7970% | 3,648 |
| Tier 1 risk-based capital ratio | 12.4911% | 4,444 |
| Total risk-based capital ratio | 13.5049% | 4,513 |
| Memoranda: | ||
| Average total assets | $51,904,200 | 6,698 |
| Average earning assets | $48,118,400 | 6,665 |
| Average equity | $5,137,200 | 7,103 |
| Average total loans | $36,234,600 | 6,352 |