Home > Goppert Financial Bank > Performance and Condition Ratios
Goppert Financial 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 | 5.1022% | 1,849 |
| Cost of funding earning assets | 1.4100% | 2,207 |
| Net interest margin | 3.6922% | 1,776 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.0354% | 3,540 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.2626% | 1,516 |
| Return on assets (ROA) | 1.2626% | 1,484 |
| Pretax return on assets | 1.6085% | 1,214 |
| Return on Equity (ROE) | 13.8500% | 1,514 |
| Retained earnings to average equity (ytd only) | 10.9341% | 806 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.2890% | 3,656 |
| Assets per employee ($millions) | 7.8122% | 1,530 |
| Cash dividends to net income (ytd only)* | 21.0327% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,176 |
| 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 | 54.4000% | 3,322 |
| Net loans and leases to deposits | 62.9632% | 3,350 |
| Net loans and leases to core deposits | 64.6029% | 3,559 |
| Total domestic deposits to total assets | 86.3900% | 1,892 |
| Equity capital to assets | 9.5194% | 2,334 |
| Core capital (leverage) ratio | 9.6992% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $251,543,800 | 2,671 |
| Average earning assets | $235,605,800 | 2,654 |
| Average equity | $22,937,400 | 2,633 |
| Average total loans | $133,542,000 | 2,832 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 2,052 |
| Cost of funding earning assets | 1.3214% | 2,088 |
| Net interest margin | 3.5817% | 2,051 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.0225% | 3,538 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1814% | 1,839 |
| Return on assets (ROA) | 1.1814% | 1,827 |
| Pretax return on assets | 1.4966% | 1,562 |
| Return on Equity (ROE) | 13.1000% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.2172% | 1,339 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.6175% | 3,432 |
| Assets per employee ($millions) | 7.5581% | 1,595 |
| Cash dividends to net income (ytd only)* | 22.0316% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,468 |
| 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 | 57.1900% | 3,103 |
| Net loans and leases to deposits | 66.2053% | 3,112 |
| Net loans and leases to core deposits | 68.1569% | 3,310 |
| Total domestic deposits to total assets | 86.3800% | 2,073 |
| Equity capital to assets | 9.4689% | 2,116 |
| Core capital (leverage) ratio | 9.3804% | 3,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $249,979,500 | 2,687 |
| Average earning assets | $234,703,250 | 2,669 |
| Average equity | $22,536,500 | 2,649 |
| Average total loans | $131,505,750 | 2,852 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 2,370 |
| Cost of funding earning assets | 1.2002% | 1,992 |
| Net interest margin | 3.4211% | 2,471 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.0314% | 3,518 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.1073% | 2,107 |
| Return on assets (ROA) | 1.1073% | 2,095 |
| Pretax return on assets | 1.4007% | 1,813 |
| Return on Equity (ROE) | 12.4900% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.7131% | 1,484 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.9740% | 3,194 |
| Assets per employee ($millions) | 7.4532% | 1,629 |
| Cash dividends to net income (ytd only)* | 22.2383% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,430 |
| 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 | 50.1200% | 3,553 |
| Net loans and leases to deposits | 57.1875% | 3,577 |
| Net loans and leases to core deposits | 59.2866% | 3,670 |
| Total domestic deposits to total assets | 87.6500% | 1,726 |
| Equity capital to assets | 9.0333% | 2,496 |
| Core capital (leverage) ratio | 9.0252% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2455% | 1,273 |
| Memoranda: | ||
| Average total assets | $250,167,000 | 2,690 |
| Average earning assets | $236,125,000 | 2,669 |
| Average equity | $22,176,333 | 2,676 |
| Average total loans | $127,326,000 | 2,880 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 2,618 |
| Cost of funding earning assets | 1.0933% | 1,770 |
| Net interest margin | 3.2850% | 2,915 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.9988% | 3,627 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0058% | 2,510 |
| Return on assets (ROA) | 1.0058% | 2,476 |
| Pretax return on assets | 1.2617% | 2,276 |
| Return on Equity (ROE) | 11.4600% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.0930% | 1,922 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.9710% | 2,963 |
| Assets per employee ($millions) | 7.7705% | 1,479 |
| Cash dividends to net income (ytd only)* | 20.6400% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 3,696 |
| 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 | 49.9200% | 3,502 |
| Net loans and leases to deposits | 56.5214% | 3,542 |
| Net loans and leases to core deposits | 58.3584% | 3,614 |
| Total domestic deposits to total assets | 88.3200% | 1,805 |
| Equity capital to assets | 8.6555% | 2,777 |
| Core capital (leverage) ratio | 8.6853% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $248,546,500 | 2,736 |
| Average earning assets | $233,057,000 | 2,717 |
| Average equity | $21,819,000 | 2,736 |
| Average total loans | $126,839,500 | 2,911 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1056% | 3,981 |
| Cost of funding earning assets | 0.3481% | 2,491 |
| Net interest margin | 2.7575% | 3,962 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.0403% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7869% | 3,368 |
| Return on assets (ROA) | 0.7869% | 3,302 |
| Pretax return on assets | 1.0119% | 3,043 |
| Return on Equity (ROE) | 9.0300% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.2899% | 2,108 |
| Net charge-offs to loans | 0.0008% | 2,561 |
| Credit loss provision to net charge-offs | 900.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 2,406.0000% | 68 |
| Efficiency ratio | 66.7634% | 2,115 |
| Assets per employee ($millions) | 6.8762% | 2,063 |
| Cash dividends to net income (ytd only)* | 19.2597% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 3,578 |
| Loan loss allowance to noncurrent loans | 9,925.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,868 |
| Noncurrent loans to loans | 0.0096% | 3,779 |
| Net loans and leases to total assets | 51.2100% | 3,417 |
| Net loans and leases to deposits | 58.2348% | 3,441 |
| Net loans and leases to core deposits | 58.7402% | 3,570 |
| Total domestic deposits to total assets | 87.9400% | 2,088 |
| Equity capital to assets | 8.9099% | 2,414 |
| Core capital (leverage) ratio | 9.3497% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $236,874,400 | 2,805 |
| Average earning assets | $224,045,800 | 2,779 |
| Average equity | $20,645,000 | 2,892 |
| Average total loans | $122,294,000 | 2,895 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9099% | 4,044 |
| Cost of funding earning assets | 0.2404% | 2,815 |
| Net interest margin | 2.6695% | 3,991 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.0786% | 3,276 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7545% | 3,405 |
| Return on assets (ROA) | 0.7545% | 3,357 |
| Pretax return on assets | 0.9686% | 3,118 |
| Return on Equity (ROE) | 8.7100% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.0299% | 2,350 |
| Net charge-offs to loans | 0.0011% | 2,282 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 1,723.0000% | 76 |
| Efficiency ratio | 68.0985% | 2,005 |
| Assets per employee ($millions) | 7.1009% | 1,878 |
| Cash dividends to net income (ytd only)* | 19.2509% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9130% | 3,814 |
| Loan loss allowance to noncurrent loans | 188.4494% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 1,873 |
| Noncurrent loans to loans | 0.4845% | 1,589 |
| Net loans and leases to total assets | 55.1600% | 2,989 |
| Net loans and leases to deposits | 62.6423% | 2,975 |
| Net loans and leases to core deposits | 63.0379% | 3,188 |
| Total domestic deposits to total assets | 88.0600% | 2,412 |
| Equity capital to assets | 8.8487% | 2,322 |
| Core capital (leverage) ratio | 9.1892% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1107% | 1,669 |
| Memoranda: | ||
| Average total assets | $235,926,500 | 2,830 |
| Average earning assets | $225,154,750 | 2,790 |
| Average equity | $20,445,500 | 2,954 |
| Average total loans | $121,758,750 | 2,915 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7477% | 4,067 |
| Cost of funding earning assets | 0.2065% | 2,833 |
| Net interest margin | 2.5413% | 4,016 |
| Noninterest income to average assets | 0.5997% | 1,740 |
| Noninterest expense to average assets | 2.1002% | 3,143 |
| Loan and lease loss provision to assets | 0.0076% | 2,464 |
| Net operating income to assets | 0.7172% | 3,249 |
| Return on assets (ROA) | 0.7172% | 3,202 |
| Pretax return on assets | 0.9177% | 3,004 |
| Return on Equity (ROE) | 8.3346% | 2,917 |
| Retained earnings to average equity (ytd only) | 6.8210% | 2,042 |
| Net charge-offs to loans | 0.0017% | 2,059 |
| Credit loss provision to net charge-offs | 900.0000% | 437 |
| Earnings coverage of net charge-offs (x) | 1,094.0000% | 117 |
| Efficiency ratio | 69.4157% | 2,044 |
| Assets per employee ($millions) | 6.7783% | 2,092 |
| Cash dividends to net income (ytd only)* | 18.1604% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,726 |
| 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 | 51.2430% | 3,240 |
| Net loans and leases to deposits | 58.0312% | 3,226 |
| Net loans and leases to core deposits | 58.3412% | 3,402 |
| Total domestic deposits to total assets | 88.3026% | 2,461 |
| Equity capital to assets | 8.5993% | 2,690 |
| Core capital (leverage) ratio | 8.8534% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8241% | 1,017 |
| Memoranda: | ||
| Average total assets | $236,459,000 | 2,846 |
| Average earning assets | $225,714,333 | 2,821 |
| Average equity | $20,349,000 | 3,039 |
| Average total loans | $118,862,000 | 2,958 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5943% | 4,126 |
| Cost of funding earning assets | 0.2001% | 2,800 |
| Net interest margin | 2.3942% | 4,083 |
| Noninterest income to average assets | 0.9082% | 826 |
| Noninterest expense to average assets | 2.1163% | 3,092 |
| Loan and lease loss provision to assets | 0.0152% | 2,074 |
| Net operating income to assets | 0.8438% | 2,505 |
| Return on assets (ROA) | 0.8438% | 2,498 |
| Pretax return on assets | 1.0675% | 2,241 |
| Return on Equity (ROE) | 9.8017% | 2,044 |
| Retained earnings to average equity (ytd only) | 8.2862% | 1,491 |
| Net charge-offs to loans | 0.0034% | 1,654 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 639.0000% | 155 |
| Efficiency ratio | 66.1547% | 2,751 |
| Assets per employee ($millions) | 7.1402% | 1,897 |
| Cash dividends to net income (ytd only)* | 15.4618% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,629 |
| 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 | 47.5165% | 3,434 |
| Net loans and leases to deposits | 53.5832% | 3,452 |
| Net loans and leases to core deposits | 53.8615% | 3,599 |
| Total domestic deposits to total assets | 88.6780% | 2,217 |
| Equity capital to assets | 8.3471% | 3,286 |
| Core capital (leverage) ratio | 8.5959% | 3,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3611% | 1,176 |
| Memoranda: | ||
| Average total assets | $236,068,500 | 2,867 |
| Average earning assets | $225,878,000 | 2,832 |
| Average equity | $20,323,000 | 3,119 |
| Average total loans | $116,913,000 | 2,970 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2707% | 3,291 |
| Cost of funding earning assets | 0.2524% | 2,895 |
| Net interest margin | 3.0183% | 3,149 |
| Noninterest income to average assets | 0.3716% | 3,205 |
| Noninterest expense to average assets | 2.4176% | 2,434 |
| Loan and lease loss provision to assets | 0.0355% | 2,343 |
| Net operating income to assets | 0.6605% | 3,718 |
| Return on assets (ROA) | 0.6605% | 3,775 |
| Pretax return on assets | 0.8010% | 3,726 |
| Return on Equity (ROE) | 7.2062% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.5510% | 2,986 |
| Net charge-offs to loans | -0.0009% | 3,269 |
| Credit loss provision to net charge-offs | -7,800.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2941% | 1,272 |
| Assets per employee ($millions) | 5.8813% | 2,882 |
| Cash dividends to net income (ytd only)* | 36.8457% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,712 |
| 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 | 50.6158% | 3,205 |
| Net loans and leases to deposits | 57.5386% | 3,294 |
| Net loans and leases to core deposits | 57.8572% | 3,485 |
| Total domestic deposits to total assets | 87.9684% | 2,061 |
| Equity capital to assets | 8.8860% | 3,731 |
| Core capital (leverage) ratio | 9.0559% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8898% | 1,067 |
| Memoranda: | ||
| Average total assets | $219,846,800 | 2,905 |
| Average earning assets | $209,954,400 | 2,872 |
| Average equity | $20,149,200 | 3,202 |
| Average total loans | $114,726,200 | 2,996 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 2,999 |
| Cost of funding earning assets | 0.2632% | 2,980 |
| Net interest margin | 3.1718% | 2,823 |
| Noninterest income to average assets | 0.3053% | 3,606 |
| Noninterest expense to average assets | 2.4537% | 2,263 |
| Loan and lease loss provision to assets | 0.0363% | 2,267 |
| Net operating income to assets | 0.7014% | 3,765 |
| Return on assets (ROA) | 0.7014% | 3,830 |
| Pretax return on assets | 0.8442% | 3,809 |
| Return on Equity (ROE) | 7.5919% | 3,509 |
| Retained earnings to average equity (ytd only) | 4.8976% | 3,255 |
| Net charge-offs to loans | -0.0012% | 3,140 |
| Credit loss provision to net charge-offs | -5,900.0000% | 4,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5932% | 1,252 |
| Assets per employee ($millions) | 5.6597% | 3,031 |
| Cash dividends to net income (ytd only)* | 35.4895% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 3,819 |
| Loan loss allowance to noncurrent loans | 116,300.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,304 |
| Noncurrent loans to loans | 0.0009% | 4,227 |
| Net loans and leases to total assets | 51.8516% | 3,203 |
| Net loans and leases to deposits | 59.2737% | 3,302 |
| Net loans and leases to core deposits | 59.6167% | 3,496 |
| Total domestic deposits to total assets | 87.4783% | 2,117 |
| Equity capital to assets | 9.2163% | 3,639 |
| Core capital (leverage) ratio | 9.1692% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3221% | 1,077 |
| Memoranda: | ||
| Average total assets | $217,465,750 | 2,952 |
| Average earning assets | $207,659,000 | 2,919 |
| Average equity | $20,091,000 | 3,244 |
| Average total loans | $114,087,500 | 3,051 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 2,946 |
| Cost of funding earning assets | 0.2688% | 3,099 |
| Net interest margin | 3.2094% | 2,724 |
| Noninterest income to average assets | 0.2995% | 3,636 |
| Noninterest expense to average assets | 2.3570% | 2,595 |
| Loan and lease loss provision to assets | 0.0360% | 2,273 |
| Net operating income to assets | 0.7496% | 3,643 |
| Return on assets (ROA) | 0.7496% | 3,709 |
| Pretax return on assets | 0.9742% | 3,491 |
| Return on Equity (ROE) | 8.1072% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.3381% | 3,056 |
| Net charge-offs to loans | 0.0475% | 1,151 |
| Credit loss provision to net charge-offs | 144.4444% | 1,179 |
| Earnings coverage of net charge-offs (x) | 40.4815% | 1,161 |
| Efficiency ratio | 69.9973% | 1,637 |
| Assets per employee ($millions) | 5.5039% | 3,125 |
| Cash dividends to net income (ytd only)* | 34.1554% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,925 |
| Loan loss allowance to noncurrent loans | 6,558.8235% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 3,556 |
| Noncurrent loans to loans | 0.0148% | 4,162 |
| Net loans and leases to total assets | 51.6461% | 3,376 |
| Net loans and leases to deposits | 58.9233% | 3,465 |
| Net loans and leases to core deposits | 59.2636% | 3,672 |
| Total domestic deposits to total assets | 87.6497% | 2,018 |
| Equity capital to assets | 9.1926% | 3,606 |
| Core capital (leverage) ratio | 9.1514% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,378,333 | 2,962 |
| Average earning assets | $206,830,000 | 2,924 |
| Average equity | $20,007,000 | 3,238 |
| Average total loans | $113,578,667 | 3,075 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4120% | 3,159 |
| Cost of funding earning assets | 0.2728% | 3,242 |
| Net interest margin | 3.1392% | 2,876 |
| Noninterest income to average assets | 0.3021% | 3,601 |
| Noninterest expense to average assets | 2.3330% | 2,694 |
| Loan and lease loss provision to assets | 0.0373% | 2,278 |
| Net operating income to assets | 0.8728% | 3,200 |
| Return on assets (ROA) | 0.8728% | 3,284 |
| Pretax return on assets | 0.9362% | 3,522 |
| Return on Equity (ROE) | 9.4111% | 2,885 |
| Retained earnings to average equity (ytd only) | 6.6159% | 2,691 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5584% | 1,641 |
| Assets per employee ($millions) | 5.1318% | 3,501 |
| Cash dividends to net income (ytd only)* | 29.7009% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 3,946 |
| Loan loss allowance to noncurrent loans | 488.2609% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 3,663 |
| Noncurrent loans to loans | 0.1997% | 3,390 |
| Net loans and leases to total assets | 51.6772% | 3,476 |
| Net loans and leases to deposits | 58.8727% | 3,574 |
| Net loans and leases to core deposits | 59.2877% | 3,756 |
| Total domestic deposits to total assets | 87.7779% | 1,963 |
| Equity capital to assets | 9.0730% | 3,614 |
| Core capital (leverage) ratio | 9.1538% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,489,500 | 2,972 |
| Average earning assets | $205,276,000 | 2,927 |
| Average equity | $19,891,500 | 3,243 |
| Average total loans | $112,959,500 | 3,084 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 3,204 |
| Cost of funding earning assets | 0.4048% | 3,550 |
| Net interest margin | 3.4296% | 2,675 |
| Noninterest income to average assets | 0.3345% | 3,460 |
| Noninterest expense to average assets | 2.6534% | 2,374 |
| Loan and lease loss provision to assets | 0.0408% | 3,890 |
| Net operating income to assets | 0.7047% | 3,419 |
| Return on assets (ROA) | 0.7047% | 3,552 |
| Pretax return on assets | 0.9141% | 3,327 |
| Return on Equity (ROE) | 6.9054% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.7400% | 2,960 |
| Net charge-offs to loans | -0.0009% | 3,932 |
| Credit loss provision to net charge-offs | -7,800.0000% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5345% | 1,500 |
| Assets per employee ($millions) | 4.8445% | 3,558 |
| Cash dividends to net income (ytd only)* | 45.8395% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,884 |
| Loan loss allowance to noncurrent loans | 459.5833% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 3,718 |
| Noncurrent loans to loans | 0.2167% | 3,426 |
| Net loans and leases to total assets | 52.6415% | 3,619 |
| Net loans and leases to deposits | 60.2754% | 3,735 |
| Net loans and leases to core deposits | 60.9071% | 3,893 |
| Total domestic deposits to total assets | 87.3349% | 1,771 |
| Equity capital to assets | 9.4867% | 3,623 |
| Core capital (leverage) ratio | 9.6626% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,003,800 | 3,018 |
| Average earning assets | $182,323,400 | 2,980 |
| Average equity | $19,492,000 | 3,233 |
| Average total loans | $111,308,200 | 3,082 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0011% | 2,972 |
| Cost of funding earning assets | 0.4314% | 3,633 |
| Net interest margin | 3.5696% | 2,359 |
| Noninterest income to average assets | 0.3193% | 3,577 |
| Noninterest expense to average assets | 2.6955% | 2,277 |
| Loan and lease loss provision to assets | 0.0386% | 3,867 |
| Net operating income to assets | 0.7657% | 3,223 |
| Return on assets (ROA) | 0.7657% | 3,340 |
| Pretax return on assets | 0.9949% | 3,088 |
| Return on Equity (ROE) | 7.3582% | 3,071 |
| Retained earnings to average equity (ytd only) | 4.1802% | 2,956 |
| Net charge-offs to loans | -0.0012% | 3,831 |
| Credit loss provision to net charge-offs | -5,400.0000% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2850% | 1,611 |
| Assets per employee ($millions) | 4.5431% | 3,790 |
| Cash dividends to net income (ytd only)* | 43.1903% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9277% | 3,983 |
| Loan loss allowance to noncurrent loans | 1,519.7183% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,271 |
| Noncurrent loans to loans | 0.0610% | 4,128 |
| Net loans and leases to total assets | 58.9842% | 3,328 |
| Net loans and leases to deposits | 68.2707% | 3,447 |
| Net loans and leases to core deposits | 68.9344% | 3,699 |
| Total domestic deposits to total assets | 86.3975% | 1,896 |
| Equity capital to assets | 10.0996% | 3,148 |
| Core capital (leverage) ratio | 9.9573% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,676,500 | 3,042 |
| Average earning assets | $178,315,250 | 2,998 |
| Average equity | $19,424,500 | 3,242 |
| Average total loans | $111,444,750 | 3,089 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,206 |
| Cost of funding earning assets | 0.4602% | 3,742 |
| Net interest margin | 3.5849% | 2,535 |
| Noninterest income to average assets | 0.3014% | 3,660 |
| Noninterest expense to average assets | 2.7173% | 2,332 |
| Loan and lease loss provision to assets | 0.0326% | 3,857 |
| Net operating income to assets | 0.7520% | 3,210 |
| Return on assets (ROA) | 0.7520% | 3,323 |
| Pretax return on assets | 0.9761% | 3,097 |
| Return on Equity (ROE) | 7.1522% | 3,073 |
| Retained earnings to average equity (ytd only) | 3.9643% | 2,926 |
| Net charge-offs to loans | -0.0018% | 3,804 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9264% | 1,575 |
| Assets per employee ($millions) | 4.4270% | 3,879 |
| Cash dividends to net income (ytd only)* | 44.5731% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 4,001 |
| Loan loss allowance to noncurrent loans | 4,057.6923% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,501 |
| Noncurrent loans to loans | 0.0222% | 4,396 |
| Net loans and leases to total assets | 60.9284% | 3,225 |
| Net loans and leases to deposits | 70.8174% | 3,360 |
| Net loans and leases to core deposits | 71.5249% | 3,619 |
| Total domestic deposits to total assets | 86.0360% | 1,995 |
| Equity capital to assets | 10.2873% | 2,937 |
| Core capital (leverage) ratio | 10.2599% | 2,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,784,000 | 3,043 |
| Average earning assets | $175,568,000 | 3,004 |
| Average equity | $19,322,667 | 3,240 |
| Average total loans | $109,824,000 | 3,104 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,342 |
| Cost of funding earning assets | 0.5205% | 3,843 |
| Net interest margin | 3.6434% | 2,531 |
| Noninterest income to average assets | 0.3258% | 3,572 |
| Noninterest expense to average assets | 2.7812% | 2,482 |
| Loan and lease loss provision to assets | 0.0332% | 3,354 |
| Net operating income to assets | 0.7601% | 3,056 |
| Return on assets (ROA) | 0.7601% | 3,135 |
| Pretax return on assets | 0.9862% | 2,883 |
| Return on Equity (ROE) | 7.1486% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.9390% | 2,706 |
| Net charge-offs to loans | 0.0038% | 2,447 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 460.0000% | 140 |
| Efficiency ratio | 73.1778% | 1,921 |
| Assets per employee ($millions) | 4.1134% | 3,768 |
| Cash dividends to net income (ytd only)* | 44.8980% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,827 |
| Loan loss allowance to noncurrent loans | 3,246.8750% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 4,543 |
| Noncurrent loans to loans | 0.0300% | 4,441 |
| Net loans and leases to total assets | 58.3759% | 3,642 |
| Net loans and leases to deposits | 68.1085% | 3,725 |
| Net loans and leases to core deposits | 68.9450% | 3,940 |
| Total domestic deposits to total assets | 85.7102% | 2,123 |
| Equity capital to assets | 10.7763% | 3,071 |
| Core capital (leverage) ratio | 11.0759% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,495,500 | 3,041 |
| Average earning assets | $172,147,500 | 2,997 |
| Average equity | $19,192,500 | 3,257 |
| Average total loans | $106,216,500 | 3,136 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 3,464 |
| Cost of funding earning assets | 0.6173% | 3,570 |
| Net interest margin | 3.7103% | 2,788 |
| Noninterest income to average assets | 0.3342% | 3,709 |
| Noninterest expense to average assets | 2.7616% | 2,716 |
| Loan and lease loss provision to assets | 0.0728% | 2,543 |
| Net operating income to assets | 0.7875% | 3,592 |
| Return on assets (ROA) | 0.7875% | 3,672 |
| Pretax return on assets | 1.0187% | 3,422 |
| Return on Equity (ROE) | 7.6764% | 3,298 |
| Retained earnings to average equity (ytd only) | 4.6484% | 2,619 |
| Net charge-offs to loans | 0.1431% | 1,369 |
| Credit loss provision to net charge-offs | 86.0927% | 2,708 |
| Earnings coverage of net charge-offs (x) | 12.9139% | 2,386 |
| Efficiency ratio | 71.6734% | 1,913 |
| Assets per employee ($millions) | 4.0910% | 3,785 |
| Cash dividends to net income (ytd only)* | 39.4456% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 3,653 |
| Loan loss allowance to noncurrent loans | 788.4615% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,271 |
| Noncurrent loans to loans | 0.1229% | 4,034 |
| Net loans and leases to total assets | 58.1744% | 3,758 |
| Net loans and leases to deposits | 67.6659% | 3,845 |
| Net loans and leases to core deposits | 68.4967% | 4,052 |
| Total domestic deposits to total assets | 85.9729% | 2,078 |
| Equity capital to assets | 10.4893% | 3,460 |
| Core capital (leverage) ratio | 10.6811% | 2,777 |
| Tier 1 risk-based capital ratio | 17.3302% | 1,951 |
| Total risk-based capital ratio | 18.2695% | 1,986 |
| Memoranda: | ||
| Average total assets | $178,661,600 | 3,034 |
| Average earning assets | $169,445,600 | 2,995 |
| Average equity | $18,328,800 | 3,306 |
| Average total loans | $105,492,400 | 3,150 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 3,570 |
| Cost of funding earning assets | 0.6461% | 3,467 |
| Net interest margin | 3.6842% | 2,970 |
| Noninterest income to average assets | 0.3290% | 3,776 |
| Noninterest expense to average assets | 2.7470% | 2,721 |
| Loan and lease loss provision to assets | 0.0897% | 2,110 |
| Net operating income to assets | 0.7611% | 3,807 |
| Return on assets (ROA) | 0.7611% | 3,874 |
| Pretax return on assets | 0.9839% | 3,640 |
| Return on Equity (ROE) | 7.4615% | 3,523 |
| Retained earnings to average equity (ytd only) | 4.5224% | 3,131 |
| Net charge-offs to loans | 0.1796% | 948 |
| Credit loss provision to net charge-offs | 84.5070% | 2,451 |
| Earnings coverage of net charge-offs (x) | 10.1126% | 2,522 |
| Efficiency ratio | 71.8982% | 1,850 |
| Assets per employee ($millions) | 4.1016% | 3,755 |
| Cash dividends to net income (ytd only)* | 39.3907% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 3,849 |
| Loan loss allowance to noncurrent loans | 1,932.0755% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 4,582 |
| Noncurrent loans to loans | 0.0488% | 4,427 |
| Net loans and leases to total assets | 60.9446% | 3,599 |
| Net loans and leases to deposits | 70.7801% | 3,706 |
| Net loans and leases to core deposits | 71.5318% | 3,976 |
| Total domestic deposits to total assets | 86.1042% | 1,948 |
| Equity capital to assets | 10.5602% | 3,495 |
| Core capital (leverage) ratio | 10.6070% | 3,005 |
| Tier 1 risk-based capital ratio | 14.4251% | 3,120 |
| Total risk-based capital ratio | 15.2182% | 3,261 |
| Memoranda: | ||
| Average total assets | $178,326,500 | 3,062 |
| Average earning assets | $169,006,500 | 3,027 |
| Average equity | $18,190,750 | 3,340 |
| Average total loans | $105,430,500 | 3,188 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2732% | 3,719 |
| Cost of funding earning assets | 0.6143% | 3,578 |
| Net interest margin | 3.6588% | 3,077 |
| Noninterest income to average assets | 0.3285% | 3,745 |
| Noninterest expense to average assets | 2.7210% | 2,839 |
| Loan and lease loss provision to assets | 0.0782% | 2,252 |
| Net operating income to assets | 0.7733% | 3,740 |
| Return on assets (ROA) | 0.7733% | 3,806 |
| Pretax return on assets | 0.9968% | 3,564 |
| Return on Equity (ROE) | 7.6693% | 3,431 |
| Retained earnings to average equity (ytd only) | 4.7102% | 2,910 |
| Net charge-offs to loans | 0.3391% | 502 |
| Credit loss provision to net charge-offs | 39.5480% | 2,539 |
| Earnings coverage of net charge-offs (x) | 5.4350% | 2,656 |
| Efficiency ratio | 71.6809% | 1,966 |
| Assets per employee ($millions) | 4.1123% | 3,710 |
| Cash dividends to net income (ytd only)* | 38.5838% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 4,164 |
| Loan loss allowance to noncurrent loans | 2,608.3333% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,681 |
| Noncurrent loans to loans | 0.0338% | 4,546 |
| Net loans and leases to total assets | 59.7221% | 3,764 |
| Net loans and leases to deposits | 69.4228% | 3,888 |
| Net loans and leases to core deposits | 70.2733% | 4,097 |
| Total domestic deposits to total assets | 86.0266% | 2,023 |
| Equity capital to assets | 10.4168% | 3,592 |
| Core capital (leverage) ratio | 10.3672% | 3,227 |
| Tier 1 risk-based capital ratio | 17.5749% | 1,917 |
| Total risk-based capital ratio | 18.4725% | 1,972 |
| Memoranda: | ||
| Average total assets | $178,978,670 | 3,069 |
| Average earning assets | $169,616,670 | 3,023 |
| Average equity | $18,046,000 | 3,348 |
| Average total loans | $104,403,330 | 3,219 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 4,160 |
| Cost of funding earning assets | 0.6010% | 3,568 |
| Net interest margin | 3.4868% | 3,630 |
| Noninterest income to average assets | 0.3066% | 3,826 |
| Noninterest expense to average assets | 2.6637% | 3,019 |
| Loan and lease loss provision to assets | 0.0600% | 2,454 |
| Net operating income to assets | 0.6931% | 3,961 |
| Return on assets (ROA) | 0.6931% | 4,000 |
| Pretax return on assets | 0.8953% | 3,783 |
| Return on Equity (ROE) | 6.9881% | 3,686 |
| Retained earnings to average equity (ytd only) | 3.9868% | 3,318 |
| Net charge-offs to loans | 0.3561% | 437 |
| Credit loss provision to net charge-offs | 29.3478% | 2,094 |
| Earnings coverage of net charge-offs (x) | 4.6739% | 2,312 |
| Efficiency ratio | 73.6034% | 1,799 |
| Assets per employee ($millions) | 4.2068% | 3,616 |
| Cash dividends to net income (ytd only)* | 42.9487% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 3,997 |
| Loan loss allowance to noncurrent loans | 748.8550% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 4,175 |
| Noncurrent loans to loans | 0.1255% | 4,173 |
| Net loans and leases to total assets | 57.1605% | 3,974 |
| Net loans and leases to deposits | 65.9784% | 4,054 |
| Net loans and leases to core deposits | 66.7592% | 4,246 |
| Total domestic deposits to total assets | 86.6353% | 1,991 |
| Equity capital to assets | 9.9600% | 3,863 |
| Core capital (leverage) ratio | 9.8141% | 3,803 |
| Tier 1 risk-based capital ratio | 17.1755% | 2,053 |
| Total risk-based capital ratio | 18.1226% | 2,096 |
| Memoranda: | ||
| Average total assets | $180,053,500 | 3,089 |
| Average earning assets | $171,043,500 | 3,043 |
| Average equity | $17,859,000 | 3,364 |
| Average total loans | $103,332,500 | 3,265 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 4,159 |
| Cost of funding earning assets | 0.4166% | 3,885 |
| Net interest margin | 3.5368% | 3,584 |
| Noninterest income to average assets | 0.3236% | 3,934 |
| Noninterest expense to average assets | 2.7475% | 2,868 |
| Loan and lease loss provision to assets | 0.1282% | 1,715 |
| Net operating income to assets | 0.6349% | 4,325 |
| Return on assets (ROA) | 0.6340% | 4,332 |
| Pretax return on assets | 0.8041% | 4,158 |
| Return on Equity (ROE) | 6.3713% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.6969% | 3,546 |
| Net charge-offs to loans | 0.2960% | 654 |
| Credit loss provision to net charge-offs | 73.3553% | 2,950 |
| Earnings coverage of net charge-offs (x) | 5.3421% | 3,202 |
| Efficiency ratio | 74.6408% | 1,545 |
| Assets per employee ($millions) | 4.2670% | 3,517 |
| Cash dividends to net income (ytd only)* | 41.9764% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,542 |
| Loan loss allowance to noncurrent loans | 285.7923% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 3,559 |
| Noncurrent loans to loans | 0.3578% | 3,256 |
| Net loans and leases to total assets | 56.4903% | 4,095 |
| Net loans and leases to deposits | 64.4766% | 4,223 |
| Net loans and leases to core deposits | 64.9653% | 4,407 |
| Total domestic deposits to total assets | 87.6136% | 1,478 |
| Equity capital to assets | 9.8771% | 3,786 |
| Core capital (leverage) ratio | 9.9784% | 3,607 |
| Tier 1 risk-based capital ratio | 16.6803% | 2,176 |
| Total risk-based capital ratio | 17.6897% | 2,197 |
| Memoranda: | ||
| Average total assets | $173,975,600 | 3,124 |
| Average earning assets | $165,151,400 | 3,077 |
| Average equity | $17,312,000 | 3,360 |
| Average total loans | $102,702,400 | 3,247 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9335% | 4,124 |
| Cost of funding earning assets | 0.3796% | 3,997 |
| Net interest margin | 3.5539% | 3,510 |
| Noninterest income to average assets | 0.2981% | 4,156 |
| Noninterest expense to average assets | 2.7243% | 2,904 |
| Loan and lease loss provision to assets | 0.1490% | 1,329 |
| Net operating income to assets | 0.6358% | 4,408 |
| Return on assets (ROA) | 0.6370% | 4,415 |
| Pretax return on assets | 0.8023% | 4,286 |
| Return on Equity (ROE) | 6.3897% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.7022% | 3,921 |
| Net charge-offs to loans | 0.3943% | 414 |
| Credit loss provision to net charge-offs | 63.4868% | 2,710 |
| Earnings coverage of net charge-offs (x) | 4.0461% | 3,104 |
| Efficiency ratio | 74.1488% | 1,573 |
| Assets per employee ($millions) | 4.1030% | 3,724 |
| Cash dividends to net income (ytd only)* | 42.0611% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,876 |
| Loan loss allowance to noncurrent loans | 434.1880% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 3,116 |
| Noncurrent loans to loans | 0.2264% | 3,896 |
| Net loans and leases to total assets | 59.3947% | 3,909 |
| Net loans and leases to deposits | 68.1039% | 4,052 |
| Net loans and leases to core deposits | 68.6410% | 4,268 |
| Total domestic deposits to total assets | 87.2120% | 1,634 |
| Equity capital to assets | 10.1030% | 3,539 |
| Core capital (leverage) ratio | 9.8038% | 3,843 |
| Tier 1 risk-based capital ratio | 16.1205% | 2,399 |
| Total risk-based capital ratio | 17.0940% | 2,443 |
| Memoranda: | ||
| Average total assets | $172,666,250 | 3,169 |
| Average earning assets | $164,024,500 | 3,113 |
| Average equity | $17,214,750 | 3,404 |
| Average total loans | $102,807,000 | 3,279 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8676% | 4,164 |
| Cost of funding earning assets | 0.3605% | 4,008 |
| Net interest margin | 3.5072% | 3,605 |
| Noninterest income to average assets | 0.2952% | 4,206 |
| Noninterest expense to average assets | 2.7237% | 2,924 |
| Loan and lease loss provision to assets | 0.1540% | 1,225 |
| Net operating income to assets | 0.5975% | 4,502 |
| Return on assets (ROA) | 0.5984% | 4,502 |
| Pretax return on assets | 0.7524% | 4,381 |
| Return on Equity (ROE) | 6.0293% | 4,230 |
| Retained earnings to average equity (ytd only) | 3.3353% | 3,912 |
| Net charge-offs to loans | 0.1364% | 1,102 |
| Credit loss provision to net charge-offs | 190.0000% | 1,351 |
| Earnings coverage of net charge-offs (x) | 11.1714% | 2,289 |
| Efficiency ratio | 75.0558% | 1,553 |
| Assets per employee ($millions) | 4.2348% | 3,524 |
| Cash dividends to net income (ytd only)* | 44.6809% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,015 |
| Loan loss allowance to noncurrent loans | 128.0947% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 2,600 |
| Noncurrent loans to loans | 0.8932% | 1,934 |
| Net loans and leases to total assets | 59.2206% | 3,883 |
| Net loans and leases to deposits | 67.2534% | 4,078 |
| Net loans and leases to core deposits | 67.7747% | 4,267 |
| Total domestic deposits to total assets | 88.0560% | 1,345 |
| Equity capital to assets | 9.9276% | 3,696 |
| Core capital (leverage) ratio | 9.6170% | 3,980 |
| Tier 1 risk-based capital ratio | 16.3292% | 2,320 |
| Total risk-based capital ratio | 17.4944% | 2,293 |
| Memoranda: | ||
| Average total assets | $172,780,000 | 3,185 |
| Average earning assets | $164,235,670 | 3,126 |
| Average equity | $17,149,670 | 3,429 |
| Average total loans | $102,620,000 | 3,295 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,089 |
| Cost of funding earning assets | 0.3567% | 3,935 |
| Net interest margin | 3.4915% | 3,566 |
| Noninterest income to average assets | 0.2994% | 4,159 |
| Noninterest expense to average assets | 2.7362% | 2,919 |
| Loan and lease loss provision to assets | 0.0627% | 2,522 |
| Net operating income to assets | 0.6461% | 4,293 |
| Return on assets (ROA) | 0.6498% | 4,286 |
| Pretax return on assets | 0.8216% | 4,098 |
| Return on Equity (ROE) | 6.5474% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.8349% | 3,660 |
| Net charge-offs to loans | 0.2747% | 563 |
| Credit loss provision to net charge-offs | 38.5714% | 2,024 |
| Earnings coverage of net charge-offs (x) | 5.4143% | 2,243 |
| Efficiency ratio | 75.6739% | 1,642 |
| Assets per employee ($millions) | 4.1434% | 3,739 |
| Cash dividends to net income (ytd only)* | 41.4286% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,555 |
| Loan loss allowance to noncurrent loans | 103.2381% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6114% | 2,474 |
| Noncurrent loans to loans | 1.0356% | 1,769 |
| Net loans and leases to total assets | 57.6425% | 3,975 |
| Net loans and leases to deposits | 65.4534% | 4,128 |
| Net loans and leases to core deposits | 66.0673% | 4,302 |
| Total domestic deposits to total assets | 88.0664% | 1,582 |
| Equity capital to assets | 9.8534% | 3,749 |
| Core capital (leverage) ratio | 9.5466% | 4,015 |
| Tier 1 risk-based capital ratio | 16.4810% | 2,278 |
| Total risk-based capital ratio | 17.5554% | 2,301 |
| Memoranda: | ||
| Average total assets | $172,356,500 | 3,224 |
| Average earning assets | $163,713,000 | 3,168 |
| Average equity | $17,106,000 | 3,461 |
| Average total loans | $101,923,500 | 3,328 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,106 |
| Cost of funding earning assets | 0.3021% | 4,123 |
| Net interest margin | 3.4787% | 3,599 |
| Noninterest income to average assets | 0.3273% | 4,128 |
| Noninterest expense to average assets | 2.8132% | 2,726 |
| Loan and lease loss provision to assets | 0.0848% | 2,511 |
| Net operating income to assets | 0.4815% | 4,419 |
| Return on assets (ROA) | 0.4815% | 4,454 |
| Pretax return on assets | 0.7075% | 4,488 |
| Return on Equity (ROE) | 4.7409% | 4,276 |
| Retained earnings to average equity (ytd only) | 2.5807% | 3,777 |
| Net charge-offs to loans | 0.0764% | 2,360 |
| Credit loss provision to net charge-offs | 181.0127% | 1,498 |
| Earnings coverage of net charge-offs (x) | 16.9114% | 2,152 |
| Efficiency ratio | 78.0263% | 1,349 |
| Assets per employee ($millions) | 4.0641% | 3,864 |
| Cash dividends to net income (ytd only)* | 45.5665% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,356 |
| Loan loss allowance to noncurrent loans | 101.9910% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 2,315 |
| Noncurrent loans to loans | 1.0785% | 1,647 |
| Net loans and leases to total assets | 59.3619% | 3,896 |
| Net loans and leases to deposits | 67.5727% | 4,054 |
| Net loans and leases to core deposits | 68.2201% | 4,277 |
| Total domestic deposits to total assets | 87.8489% | 1,585 |
| Equity capital to assets | 9.9975% | 3,711 |
| Core capital (leverage) ratio | 9.9270% | 3,544 |
| Tier 1 risk-based capital ratio | 15.6963% | 2,553 |
| Total risk-based capital ratio | 16.7536% | 2,564 |
| Memoranda: | ||
| Average total assets | $168,631,000 | 3,263 |
| Average earning assets | $158,909,400 | 3,213 |
| Average equity | $17,127,400 | 3,476 |
| Average total loans | $103,355,800 | 3,295 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 4,108 |
| Cost of funding earning assets | 0.2983% | 4,151 |
| Net interest margin | 3.4708% | 3,596 |
| Noninterest income to average assets | 0.3323% | 4,161 |
| Noninterest expense to average assets | 2.8036% | 2,714 |
| Loan and lease loss provision to assets | 0.0928% | 2,228 |
| Net operating income to assets | 0.4798% | 4,792 |
| Return on assets (ROA) | 0.4798% | 4,833 |
| Pretax return on assets | 0.7027% | 4,598 |
| Return on Equity (ROE) | 4.7054% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.2666% | 3,980 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8978% | 1,342 |
| Assets per employee ($millions) | 3.9257% | 4,109 |
| Cash dividends to net income (ytd only)* | 30.5783% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,289 |
| Loan loss allowance to noncurrent loans | 159.6752% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 3,165 |
| Noncurrent loans to loans | 0.7098% | 2,579 |
| Net loans and leases to total assets | 62.4287% | 3,605 |
| Net loans and leases to deposits | 71.5936% | 3,816 |
| Net loans and leases to core deposits | 72.3062% | 4,107 |
| Total domestic deposits to total assets | 87.1986% | 1,776 |
| Equity capital to assets | 10.5052% | 3,370 |
| Core capital (leverage) ratio | 10.3722% | 3,111 |
| Tier 1 risk-based capital ratio | 16.9051% | 2,179 |
| Total risk-based capital ratio | 18.0568% | 2,175 |
| Memoranda: | ||
| Average total assets | $168,115,750 | 3,297 |
| Average earning assets | $158,229,750 | 3,251 |
| Average equity | $17,143,000 | 3,511 |
| Average total loans | $103,581,500 | 3,318 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 4,163 |
| Cost of funding earning assets | 0.2885% | 4,204 |
| Net interest margin | 3.4312% | 3,664 |
| Noninterest income to average assets | 0.3215% | 4,255 |
| Noninterest expense to average assets | 2.7637% | 2,878 |
| Loan and lease loss provision to assets | 0.0922% | 2,144 |
| Net operating income to assets | 0.4740% | 4,775 |
| Return on assets (ROA) | 0.4740% | 4,807 |
| Pretax return on assets | 0.6856% | 4,590 |
| Return on Equity (ROE) | 4.6945% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.6058% | 3,559 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0374% | 1,457 |
| Assets per employee ($millions) | 4.0283% | 3,908 |
| Cash dividends to net income (ytd only)* | 23.1920% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 3,531 |
| Loan loss allowance to noncurrent loans | 188.9073% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,609 |
| Noncurrent loans to loans | 0.5874% | 2,968 |
| Net loans and leases to total assets | 60.1053% | 3,838 |
| Net loans and leases to deposits | 68.5920% | 4,016 |
| Net loans and leases to core deposits | 69.2539% | 4,273 |
| Total domestic deposits to total assets | 87.6274% | 1,646 |
| Equity capital to assets | 10.1727% | 3,706 |
| Core capital (leverage) ratio | 10.1626% | 3,320 |
| Tier 1 risk-based capital ratio | 16.9445% | 2,165 |
| Total risk-based capital ratio | 18.0678% | 2,160 |
| Memoranda: | ||
| Average total assets | $169,194,000 | 3,293 |
| Average earning assets | $158,777,000 | 3,259 |
| Average equity | $17,083,670 | 3,523 |
| Average total loans | $103,404,330 | 3,329 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6706% | 4,202 |
| Cost of funding earning assets | 0.3021% | 4,017 |
| Net interest margin | 3.3686% | 3,771 |
| Noninterest income to average assets | 0.3239% | 4,228 |
| Noninterest expense to average assets | 2.6998% | 3,139 |
| Loan and lease loss provision to assets | 0.0922% | 2,001 |
| Net operating income to assets | 0.4610% | 4,736 |
| Return on assets (ROA) | 0.4610% | 4,758 |
| Pretax return on assets | 0.6690% | 4,534 |
| Return on Equity (ROE) | 4.5828% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.5828% | 3,134 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0055% | 1,628 |
| Assets per employee ($millions) | 4.0424% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 4,035 |
| Loan loss allowance to noncurrent loans | 112.7943% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,766 |
| Noncurrent loans to loans | 0.9216% | 2,196 |
| Net loans and leases to total assets | 61.7890% | 3,567 |
| Net loans and leases to deposits | 70.4625% | 3,750 |
| Net loans and leases to core deposits | 71.0158% | 4,069 |
| Total domestic deposits to total assets | 87.6906% | 1,892 |
| Equity capital to assets | 10.0759% | 3,662 |
| Core capital (leverage) ratio | 9.9911% | 3,508 |
| Tier 1 risk-based capital ratio | 16.1384% | 2,495 |
| Total risk-based capital ratio | 17.1780% | 2,523 |
| Memoranda: | ||
| Average total assets | $169,197,000 | 3,321 |
| Average earning assets | $157,574,500 | 3,303 |
| Average equity | $17,020,000 | 3,548 |
| Average total loans | $103,690,500 | 3,348 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 2,456 |
| Cost of funding earning assets | 0.3419% | 3,611 |
| Net interest margin | 3.8675% | 2,070 |
| Noninterest income to average assets | 0.2709% | 4,794 |
| Noninterest expense to average assets | 2.9011% | 2,663 |
| Loan and lease loss provision to assets | 0.1007% | 2,364 |
| Net operating income to assets | 0.5790% | 4,303 |
| Return on assets (ROA) | 0.5790% | 4,410 |
| Pretax return on assets | 0.8487% | 4,015 |
| Return on Equity (ROE) | 5.7018% | 4,120 |
| Retained earnings to average equity (ytd only) | 2.9276% | 3,821 |
| Net charge-offs to loans | 0.1050% | 2,221 |
| Credit loss provision to net charge-offs | 133.3333% | 2,030 |
| Earnings coverage of net charge-offs (x) | 12.5714% | 2,438 |
| Efficiency ratio | 75.3425% | 2,086 |
| Assets per employee ($millions) | 3.9985% | 3,970 |
| Cash dividends to net income (ytd only)* | 48.6542% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 4,254 |
| Loan loss allowance to noncurrent loans | 120.8000% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 3,032 |
| Noncurrent loans to loans | 0.8360% | 2,433 |
| Net loans and leases to total assets | 67.3010% | 2,887 |
| Net loans and leases to deposits | 78.1617% | 3,084 |
| Net loans and leases to core deposits | 78.9465% | 3,481 |
| Total domestic deposits to total assets | 86.1049% | 2,531 |
| Equity capital to assets | 9.7288% | 4,026 |
| Core capital (leverage) ratio | 10.2178% | 3,204 |
| Tier 1 risk-based capital ratio | 12.4371% | 4,414 |
| Total risk-based capital ratio | 13.3149% | 4,568 |
| Memoranda: | ||
| Average total assets | $83,417,000 | 4,661 |
| Average earning assets | $77,206,600 | 4,641 |
| Average equity | $8,471,000 | 4,847 |
| Average total loans | $60,020,400 | 4,299 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 2,453 |
| Cost of funding earning assets | 0.3352% | 3,714 |
| Net interest margin | 3.8818% | 2,048 |
| Noninterest income to average assets | 0.2722% | 4,826 |
| Noninterest expense to average assets | 2.9298% | 2,544 |
| Loan and lease loss provision to assets | 0.1021% | 2,210 |
| Net operating income to assets | 0.5882% | 4,339 |
| Return on assets (ROA) | 0.5882% | 4,446 |
| Pretax return on assets | 0.8621% | 4,113 |
| Return on Equity (ROE) | 5.7282% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.8661% | 3,551 |
| Net charge-offs to loans | 0.1332% | 1,642 |
| Credit loss provision to net charge-offs | 105.0000% | 2,284 |
| Earnings coverage of net charge-offs (x) | 9.9164% | 2,637 |
| Efficiency ratio | 75.2393% | 2,072 |
| Assets per employee ($millions) | 3.7214% | 4,432 |
| Cash dividends to net income (ytd only)* | 32.5069% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 4,675 |
| Loan loss allowance to noncurrent loans | 117.0000% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 3,077 |
| Noncurrent loans to loans | 0.8099% | 2,640 |
| Net loans and leases to total assets | 74.6940% | 1,757 |
| Net loans and leases to deposits | 90.1801% | 1,729 |
| Net loans and leases to core deposits | 90.8499% | 2,493 |
| Total domestic deposits to total assets | 82.8277% | 3,655 |
| Equity capital to assets | 10.4788% | 3,589 |
| Core capital (leverage) ratio | 10.4296% | 3,073 |
| Tier 1 risk-based capital ratio | 13.4231% | 3,902 |
| Total risk-based capital ratio | 14.3385% | 4,017 |
| Memoranda: | ||
| Average total assets | $82,279,750 | 4,723 |
| Average earning assets | $76,767,000 | 4,689 |
| Average equity | $8,449,250 | 4,904 |
| Average total loans | $60,074,000 | 4,322 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 2,606 |
| Cost of funding earning assets | 0.3317% | 3,778 |
| Net interest margin | 3.8374% | 2,187 |
| Noninterest income to average assets | 0.2645% | 4,894 |
| Noninterest expense to average assets | 2.9169% | 2,625 |
| Loan and lease loss provision to assets | 0.1019% | 2,146 |
| Net operating income to assets | 0.5727% | 4,387 |
| Return on assets (ROA) | 0.5727% | 4,511 |
| Pretax return on assets | 0.8396% | 4,159 |
| Return on Equity (ROE) | 5.6150% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.8075% | 4,115 |
| Net charge-offs to loans | 0.2184% | 1,070 |
| Credit loss provision to net charge-offs | 64.6154% | 2,522 |
| Earnings coverage of net charge-offs (x) | 5.9692% | 2,795 |
| Efficiency ratio | 75.5975% | 2,131 |
| Assets per employee ($millions) | 3.6961% | 4,447 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 4,830 |
| Loan loss allowance to noncurrent loans | 112.0000% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6149% | 3,171 |
| Noncurrent loans to loans | 0.8329% | 2,663 |
| Net loans and leases to total assets | 73.1362% | 1,998 |
| Net loans and leases to deposits | 87.0144% | 2,127 |
| Net loans and leases to core deposits | 87.0144% | 2,814 |
| Total domestic deposits to total assets | 84.0507% | 3,245 |
| Equity capital to assets | 10.4115% | 3,734 |
| Core capital (leverage) ratio | 10.2133% | 3,320 |
| Tier 1 risk-based capital ratio | 13.4658% | 3,931 |
| Total risk-based capital ratio | 14.3621% | 4,052 |
| Memoranda: | ||
| Average total assets | $82,416,330 | 4,762 |
| Average earning assets | $77,187,330 | 4,720 |
| Average equity | $8,406,000 | 4,939 |
| Average total loans | $59,519,670 | 4,368 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 2,566 |
| Cost of funding earning assets | 0.3302% | 3,843 |
| Net interest margin | 3.8441% | 2,129 |
| Noninterest income to average assets | 0.2700% | 4,802 |
| Noninterest expense to average assets | 2.8927% | 2,733 |
| Loan and lease loss provision to assets | 0.1012% | 2,006 |
| Net operating income to assets | 0.5930% | 4,212 |
| Return on assets (ROA) | 0.5930% | 4,323 |
| Pretax return on assets | 0.8678% | 3,974 |
| Return on Equity (ROE) | 5.8739% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.8739% | 2,435 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9064% | 2,338 |
| Assets per employee ($millions) | 3.7459% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 4,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 5,614 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 70.6428% | 2,247 |
| Net loans and leases to deposits | 83.8292% | 2,318 |
| Net loans and leases to core deposits | 83.8292% | 2,955 |
| Total domestic deposits to total assets | 84.2699% | 3,412 |
| Equity capital to assets | 10.2537% | 3,790 |
| Core capital (leverage) ratio | 10.1815% | 3,336 |
| Tier 1 risk-based capital ratio | 14.0958% | 3,622 |
| Total risk-based capital ratio | 15.1017% | 3,722 |
| Memoranda: | ||
| Average total assets | $82,967,500 | 4,787 |
| Average earning assets | $77,521,500 | 4,759 |
| Average equity | $8,376,000 | 4,983 |
| Average total loans | $59,264,500 | 4,396 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,260 |
| Cost of funding earning assets | 0.3401% | 3,794 |
| Net interest margin | 3.6744% | 2,855 |
| Noninterest income to average assets | 0.2522% | 5,082 |
| Noninterest expense to average assets | 2.7872% | 3,290 |
| Loan and lease loss provision to assets | 0.0981% | 2,353 |
| Net operating income to assets | 0.5500% | 4,497 |
| Return on assets (ROA) | 0.5500% | 4,594 |
| Pretax return on assets | 0.7987% | 4,191 |
| Return on Equity (ROE) | 5.7480% | 4,155 |
| Retained earnings to average equity (ytd only) | 2.8801% | 4,012 |
| Net charge-offs to loans | 0.0377% | 3,470 |
| Credit loss provision to net charge-offs | 381.8182% | 785 |
| Earnings coverage of net charge-offs (x) | 34.9091% | 1,301 |
| Efficiency ratio | 75.6577% | 2,328 |
| Assets per employee ($millions) | 3.7966% | 4,299 |
| Cash dividends to net income (ytd only)* | 49.8938% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 4,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 5,658 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 70.7899% | 2,252 |
| Net loans and leases to deposits | 83.6062% | 2,408 |
| Net loans and leases to core deposits | 83.6062% | 2,997 |
| Total domestic deposits to total assets | 84.6706% | 3,225 |
| Equity capital to assets | 9.9394% | 4,032 |
| Core capital (leverage) ratio | 9.8414% | 3,722 |
| Tier 1 risk-based capital ratio | 13.3516% | 4,079 |
| Total risk-based capital ratio | 14.2876% | 4,197 |
| Memoranda: | ||
| Average total assets | $85,641,800 | 4,751 |
| Average earning assets | $79,986,200 | 4,716 |
| Average equity | $8,194,200 | 5,025 |
| Average total loans | $58,280,600 | 4,419 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 3,573 |
| Cost of funding earning assets | 0.3388% | 3,876 |
| Net interest margin | 3.6042% | 3,144 |
| Noninterest income to average assets | 0.2321% | 5,269 |
| Noninterest expense to average assets | 2.7511% | 3,381 |
| Loan and lease loss provision to assets | 0.0975% | 2,223 |
| Net operating income to assets | 0.5261% | 4,698 |
| Return on assets (ROA) | 0.5261% | 4,784 |
| Pretax return on assets | 0.7582% | 4,466 |
| Return on Equity (ROE) | 5.5505% | 4,379 |
| Retained earnings to average equity (ytd only) | 3.6241% | 3,888 |
| Net charge-offs to loans | 0.0115% | 3,776 |
| Credit loss provision to net charge-offs | 1,260.0000% | 289 |
| Earnings coverage of net charge-offs (x) | 110.5412% | 574 |
| Efficiency ratio | 76.2763% | 2,200 |
| Assets per employee ($millions) | 3.8675% | 4,140 |
| Cash dividends to net income (ytd only)* | 34.7062% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 4,851 |
| Loan loss allowance to noncurrent loans | 877.2727% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 5,387 |
| Noncurrent loans to loans | 0.1115% | 5,186 |
| Net loans and leases to total assets | 68.9009% | 2,546 |
| Net loans and leases to deposits | 80.9279% | 2,771 |
| Net loans and leases to core deposits | 82.4485% | 3,206 |
| Total domestic deposits to total assets | 85.1386% | 2,953 |
| Equity capital to assets | 9.7772% | 4,413 |
| Core capital (leverage) ratio | 9.6366% | 4,127 |
| Tier 1 risk-based capital ratio | 13.6203% | 4,072 |
| Total risk-based capital ratio | 14.5683% | 4,169 |
| Memoranda: | ||
| Average total assets | $86,170,750 | 4,802 |
| Average earning assets | $80,681,500 | 4,757 |
| Average equity | $8,167,250 | 5,093 |
| Average total loans | $57,923,250 | 4,473 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8832% | 3,757 |
| Cost of funding earning assets | 0.3456% | 3,865 |
| Net interest margin | 3.5376% | 3,349 |
| Noninterest income to average assets | 0.2126% | 5,420 |
| Noninterest expense to average assets | 2.6973% | 3,601 |
| Loan and lease loss provision to assets | 0.0971% | 2,202 |
| Net operating income to assets | 0.5062% | 4,740 |
| Return on assets (ROA) | 0.5062% | 4,852 |
| Pretax return on assets | 0.7304% | 4,560 |
| Return on Equity (ROE) | 5.3963% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.4887% | 4,472 |
| Net charge-offs to loans | -0.0070% | 4,828 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5246% | 2,278 |
| Assets per employee ($millions) | 4.1589% | 3,550 |
| Cash dividends to net income (ytd only)* | 53.8813% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,982 |
| Loan loss allowance to noncurrent loans | 784.7222% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 5,492 |
| Noncurrent loans to loans | 0.1245% | 5,254 |
| Net loans and leases to total assets | 65.5892% | 3,023 |
| Net loans and leases to deposits | 76.4722% | 3,212 |
| Net loans and leases to core deposits | 77.8608% | 3,594 |
| Total domestic deposits to total assets | 85.7688% | 2,810 |
| Equity capital to assets | 9.3764% | 4,815 |
| Core capital (leverage) ratio | 9.9023% | 3,736 |
| Tier 1 risk-based capital ratio | 14.0249% | 3,909 |
| Total risk-based capital ratio | 14.9925% | 4,010 |
| Memoranda: | ||
| Average total assets | $86,532,330 | 4,842 |
| Average earning assets | $81,015,000 | 4,801 |
| Average equity | $8,116,670 | 5,139 |
| Average total loans | $57,496,330 | 4,523 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,601 |
| Cost of funding earning assets | 0.3588% | 3,765 |
| Net interest margin | 3.5434% | 3,247 |
| Noninterest income to average assets | 0.2136% | 5,422 |
| Noninterest expense to average assets | 2.6750% | 3,676 |
| Loan and lease loss provision to assets | 0.0975% | 2,073 |
| Net operating income to assets | 0.5155% | 4,594 |
| Return on assets (ROA) | 0.5155% | 4,720 |
| Pretax return on assets | 0.7431% | 4,455 |
| Return on Equity (ROE) | 5.4947% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.4947% | 2,782 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0898% | 2,501 |
| Assets per employee ($millions) | 4.1195% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 5,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 5,624 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 63.6978% | 3,134 |
| Net loans and leases to deposits | 74.9015% | 3,172 |
| Net loans and leases to core deposits | 76.2857% | 3,566 |
| Total domestic deposits to total assets | 85.0422% | 3,388 |
| Equity capital to assets | 9.4787% | 4,773 |
| Core capital (leverage) ratio | 9.3373% | 4,509 |
| Tier 1 risk-based capital ratio | 13.8753% | 4,103 |
| Total risk-based capital ratio | 14.7924% | 4,219 |
| Memoranda: | ||
| Average total assets | $86,130,500 | 4,900 |
| Average earning assets | $80,262,500 | 4,861 |
| Average equity | $8,080,500 | 5,194 |
| Average total loans | $57,320,500 | 4,569 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 3,449 |
| Cost of funding earning assets | 0.3563% | 4,185 |
| Net interest margin | 3.7104% | 2,975 |
| Noninterest income to average assets | 0.2619% | 5,261 |
| Noninterest expense to average assets | 2.8290% | 3,384 |
| Loan and lease loss provision to assets | 0.0736% | 3,009 |
| Net operating income to assets | 0.5552% | 4,580 |
| Return on assets (ROA) | 0.5552% | 4,669 |
| Pretax return on assets | 0.8026% | 4,250 |
| Return on Equity (ROE) | 5.8575% | 4,222 |
| Retained earnings to average equity (ytd only) | 3.1070% | 4,026 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3518% | 2,459 |
| Assets per employee ($millions) | 4.0834% | 3,757 |
| Cash dividends to net income (ytd only)* | 46.9565% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 5,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 5,686 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.1893% | 2,528 |
| Net loans and leases to deposits | 80.0627% | 2,705 |
| Net loans and leases to core deposits | 82.1943% | 3,083 |
| Total domestic deposits to total assets | 85.1699% | 3,221 |
| Equity capital to assets | 9.2839% | 4,967 |
| Core capital (leverage) ratio | 9.6417% | 4,042 |
| Tier 1 risk-based capital ratio | 12.4963% | 5,039 |
| Total risk-based capital ratio | 13.3129% | 5,226 |
| Memoranda: | ||
| Average total assets | $82,854,800 | 4,993 |
| Average earning assets | $76,891,400 | 4,960 |
| Average equity | $7,853,200 | 5,234 |
| Average total loans | $55,961,000 | 4,613 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,603 |
| Cost of funding earning assets | 0.3529% | 4,317 |
| Net interest margin | 3.6847% | 3,091 |
| Noninterest income to average assets | 0.2614% | 5,341 |
| Noninterest expense to average assets | 2.8555% | 3,271 |
| Loan and lease loss provision to assets | 0.0731% | 2,880 |
| Net operating income to assets | 0.5244% | 4,777 |
| Return on assets (ROA) | 0.5244% | 4,852 |
| Pretax return on assets | 0.7565% | 4,513 |
| Return on Equity (ROE) | 5.5028% | 4,486 |
| Retained earnings to average equity (ytd only) | 3.8331% | 3,921 |
| Net charge-offs to loans | -0.0024% | 5,201 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4890% | 2,265 |
| Assets per employee ($millions) | 3.8919% | 4,106 |
| Cash dividends to net income (ytd only)* | 30.3395% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 5,669 |
| Loan loss allowance to noncurrent loans | 12,625.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 5,782 |
| Noncurrent loans to loans | 0.0069% | 6,015 |
| Net loans and leases to total assets | 69.8442% | 2,220 |
| Net loans and leases to deposits | 81.8570% | 2,445 |
| Net loans and leases to core deposits | 83.5194% | 2,942 |
| Total domestic deposits to total assets | 85.3247% | 3,199 |
| Equity capital to assets | 9.7236% | 4,531 |
| Core capital (leverage) ratio | 9.8222% | 3,912 |
| Tier 1 risk-based capital ratio | 13.1304% | 4,780 |
| Total risk-based capital ratio | 13.9640% | 4,940 |
| Memoranda: | ||
| Average total assets | $82,130,750 | 5,061 |
| Average earning assets | $76,314,500 | 5,033 |
| Average equity | $7,826,250 | 5,287 |
| Average total loans | $55,202,750 | 4,684 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,971 |
| Cost of funding earning assets | 0.3402% | 4,536 |
| Net interest margin | 3.6011% | 3,354 |
| Noninterest income to average assets | 0.2553% | 5,369 |
| Noninterest expense to average assets | 2.8420% | 3,364 |
| Loan and lease loss provision to assets | 0.0729% | 2,810 |
| Net operating income to assets | 0.4814% | 4,890 |
| Return on assets (ROA) | 0.4814% | 4,956 |
| Pretax return on assets | 0.6856% | 4,694 |
| Return on Equity (ROE) | 5.0861% | 4,634 |
| Retained earnings to average equity (ytd only) | 2.5687% | 4,568 |
| Net charge-offs to loans | -0.0037% | 5,127 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9332% | 2,177 |
| Assets per employee ($millions) | 3.7071% | 4,447 |
| Cash dividends to net income (ytd only)* | 49.4949% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 5,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 5,912 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.8116% | 2,276 |
| Net loans and leases to deposits | 78.8435% | 2,682 |
| Net loans and leases to core deposits | 80.4115% | 3,164 |
| Total domestic deposits to total assets | 87.2762% | 2,307 |
| Equity capital to assets | 9.5946% | 4,634 |
| Core capital (leverage) ratio | 9.9015% | 3,740 |
| Tier 1 risk-based capital ratio | 13.4672% | 4,605 |
| Total risk-based capital ratio | 14.3100% | 4,802 |
| Memoranda: | ||
| Average total assets | $82,264,670 | 5,103 |
| Average earning assets | $76,421,330 | 5,062 |
| Average equity | $7,786,000 | 5,316 |
| Average total loans | $54,407,670 | 4,737 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 4,006 |
| Cost of funding earning assets | 0.3513% | 4,529 |
| Net interest margin | 3.5702% | 3,391 |
| Noninterest income to average assets | 0.2421% | 5,418 |
| Noninterest expense to average assets | 2.8274% | 3,461 |
| Loan and lease loss provision to assets | 0.0726% | 2,687 |
| Net operating income to assets | 0.4551% | 4,912 |
| Return on assets (ROA) | 0.4551% | 4,984 |
| Pretax return on assets | 0.6391% | 4,698 |
| Return on Equity (ROE) | 4.8413% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.8413% | 3,208 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8906% | 2,224 |
| Assets per employee ($millions) | 3.6475% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 5,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 5,994 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.5531% | 2,801 |
| Net loans and leases to deposits | 74.1133% | 3,046 |
| Net loans and leases to core deposits | 75.6138% | 3,449 |
| Total domestic deposits to total assets | 87.1006% | 2,745 |
| Equity capital to assets | 9.7341% | 4,189 |
| Core capital (leverage) ratio | 9.3862% | 4,445 |
| Tier 1 risk-based capital ratio | 13.5825% | 4,616 |
| Total risk-based capital ratio | 14.4073% | 4,849 |
| Memoranda: | ||
| Average total assets | $82,619,000 | 5,142 |
| Average earning assets | $76,298,500 | 5,104 |
| Average equity | $7,766,500 | 5,354 |
| Average total loans | $53,306,500 | 4,814 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 4,306 |
| Cost of funding earning assets | 0.4016% | 4,638 |
| Net interest margin | 3.5428% | 3,719 |
| Noninterest income to average assets | 0.2934% | 5,251 |
| Noninterest expense to average assets | 2.7885% | 3,768 |
| Loan and lease loss provision to assets | 0.1431% | 2,517 |
| Net operating income to assets | 0.4619% | 4,903 |
| Return on assets (ROA) | 0.4619% | 5,033 |
| Pretax return on assets | 0.6450% | 4,720 |
| Return on Equity (ROE) | 4.9775% | 4,643 |
| Retained earnings to average equity (ytd only) | 2.6782% | 4,335 |
| Net charge-offs to loans | 0.2834% | 2,275 |
| Credit loss provision to net charge-offs | 81.9444% | 2,989 |
| Earnings coverage of net charge-offs (x) | 4.5139% | 3,545 |
| Efficiency ratio | 77.9661% | 2,473 |
| Assets per employee ($millions) | 3.8634% | 4,130 |
| Cash dividends to net income (ytd only)* | 46.1942% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 6,102 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.3915% | 3,144 |
| Net loans and leases to deposits | 72.1397% | 3,505 |
| Net loans and leases to core deposits | 73.5590% | 3,886 |
| Total domestic deposits to total assets | 87.8733% | 2,255 |
| Equity capital to assets | 9.0853% | 4,938 |
| Core capital (leverage) ratio | 9.3992% | 4,413 |
| Tier 1 risk-based capital ratio | 11.9548% | 5,642 |
| Total risk-based capital ratio | 12.6647% | 5,894 |
| Memoranda: | ||
| Average total assets | $82,482,800 | 5,178 |
| Average earning assets | $76,437,400 | 5,137 |
| Average equity | $7,654,400 | 5,425 |
| Average total loans | $50,811,600 | 4,935 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 4,458 |
| Cost of funding earning assets | 0.4169% | 4,656 |
| Net interest margin | 3.4944% | 3,906 |
| Noninterest income to average assets | 0.3030% | 5,273 |
| Noninterest expense to average assets | 2.7935% | 3,684 |
| Loan and lease loss provision to assets | 0.1678% | 2,163 |
| Net operating income to assets | 0.4268% | 5,128 |
| Return on assets (ROA) | 0.4268% | 5,273 |
| Pretax return on assets | 0.5913% | 5,052 |
| Return on Equity (ROE) | 4.5737% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.2122% | 4,392 |
| Net charge-offs to loans | 0.3845% | 1,668 |
| Credit loss provision to net charge-offs | 71.5278% | 3,041 |
| Earnings coverage of net charge-offs (x) | 3.2360% | 3,760 |
| Efficiency ratio | 78.6337% | 2,320 |
| Assets per employee ($millions) | 3.5995% | 4,652 |
| Cash dividends to net income (ytd only)* | 29.7721% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 6,219 |
| Loan loss allowance to noncurrent loans | 2,953.3333% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 5,525 |
| Noncurrent loans to loans | 0.0281% | 6,266 |
| Net loans and leases to total assets | 66.8607% | 2,491 |
| Net loans and leases to deposits | 79.3130% | 2,506 |
| Net loans and leases to core deposits | 81.7866% | 2,894 |
| Total domestic deposits to total assets | 84.2998% | 4,066 |
| Equity capital to assets | 9.7285% | 4,269 |
| Core capital (leverage) ratio | 9.7903% | 3,973 |
| Tier 1 risk-based capital ratio | 12.7946% | 5,260 |
| Total risk-based capital ratio | 13.5298% | 5,523 |
| Memoranda: | ||
| Average total assets | $81,855,000 | 5,245 |
| Average earning assets | $76,119,250 | 5,192 |
| Average equity | $7,637,500 | 5,485 |
| Average total loans | $49,930,000 | 5,009 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,863 |
| Cost of funding earning assets | 0.4236% | 4,723 |
| Net interest margin | 3.3653% | 4,324 |
| Noninterest income to average assets | 0.2949% | 5,342 |
| Noninterest expense to average assets | 2.7338% | 3,913 |
| Loan and lease loss provision to assets | 0.0967% | 3,173 |
| Net operating income to assets | 0.4278% | 5,118 |
| Return on assets (ROA) | 0.4278% | 5,273 |
| Pretax return on assets | 0.5946% | 5,034 |
| Return on Equity (ROE) | 4.6485% | 4,925 |
| Retained earnings to average equity (ytd only) | 2.6000% | 4,653 |
| Net charge-offs to loans | 0.3198% | 1,904 |
| Credit loss provision to net charge-offs | 51.2821% | 3,186 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 3,338 |
| Efficiency ratio | 79.8165% | 2,184 |
| Assets per employee ($millions) | 3.6697% | 4,473 |
| Cash dividends to net income (ytd only)* | 44.0678% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 5,595 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 61.2716% | 3,429 |
| Net loans and leases to deposits | 70.1859% | 3,697 |
| Net loans and leases to core deposits | 73.4706% | 3,877 |
| Total domestic deposits to total assets | 87.2990% | 2,660 |
| Equity capital to assets | 9.4223% | 4,685 |
| Core capital (leverage) ratio | 9.3097% | 4,524 |
| Tier 1 risk-based capital ratio | 13.3796% | 4,855 |
| Total risk-based capital ratio | 14.1624% | 5,149 |
| Memoranda: | ||
| Average total assets | $82,743,330 | 5,253 |
| Average earning assets | $76,962,330 | 5,198 |
| Average equity | $7,615,330 | 5,533 |
| Average total loans | $48,776,670 | 5,075 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 5,047 |
| Cost of funding earning assets | 0.4383% | 4,722 |
| Net interest margin | 3.2949% | 4,537 |
| Noninterest income to average assets | 0.3009% | 5,292 |
| Noninterest expense to average assets | 2.6986% | 4,066 |
| Loan and lease loss provision to assets | 0.1194% | 2,736 |
| Net operating income to assets | 0.3869% | 5,176 |
| Return on assets (ROA) | 0.3869% | 5,322 |
| Pretax return on assets | 0.5349% | 5,159 |
| Return on Equity (ROE) | 4.2522% | 4,972 |
| Retained earnings to average equity (ytd only) | 4.2522% | 3,680 |
| Net charge-offs to loans | 0.5144% | 1,171 |
| Credit loss provision to net charge-offs | 40.3226% | 2,742 |
| Earnings coverage of net charge-offs (x) | 2.2097% | 3,101 |
| Efficiency ratio | 80.4843% | 2,254 |
| Assets per employee ($millions) | 3.8566% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,061 |
| Loan loss allowance to noncurrent loans | 1,659.2593% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 5,699 |
| Noncurrent loans to loans | 0.0588% | 6,298 |
| Net loans and leases to total assets | 53.5582% | 4,480 |
| Net loans and leases to deposits | 60.4813% | 4,740 |
| Net loans and leases to core deposits | 63.4647% | 4,795 |
| Total domestic deposits to total assets | 88.5534% | 1,971 |
| Equity capital to assets | 9.0222% | 5,459 |
| Core capital (leverage) ratio | 8.7965% | 5,192 |
| Tier 1 risk-based capital ratio | 13.9642% | 4,532 |
| Total risk-based capital ratio | 14.7867% | 4,799 |
| Memoranda: | ||
| Average total assets | $83,748,000 | 5,274 |
| Average earning assets | $77,575,500 | 5,221 |
| Average equity | $7,619,500 | 5,601 |
| Average total loans | $48,208,500 | 5,124 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 3,998 |
| Cost of funding earning assets | 0.5424% | 4,882 |
| Net interest margin | 3.8153% | 3,162 |
| Noninterest income to average assets | 0.3730% | 4,813 |
| Noninterest expense to average assets | 2.8803% | 3,715 |
| Loan and lease loss provision to assets | 0.0780% | 4,734 |
| Net operating income to assets | 0.6278% | 4,099 |
| Return on assets (ROA) | 0.6278% | 4,365 |
| Pretax return on assets | 0.8981% | 3,927 |
| Return on Equity (ROE) | 6.4671% | 3,926 |
| Retained earnings to average equity (ytd only) | 3.8428% | 3,495 |
| Net charge-offs to loans | 0.0433% | 5,309 |
| Credit loss provision to net charge-offs | 285.7143% | 852 |
| Earnings coverage of net charge-offs (x) | 35.7619% | 880 |
| Efficiency ratio | 74.6882% | 2,950 |
| Assets per employee ($millions) | 3.7568% | 4,453 |
| Cash dividends to net income (ytd only)* | 40.5797% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 6,103 |
| Loan loss allowance to noncurrent loans | 265.9341% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,975 |
| Noncurrent loans to loans | 0.3602% | 5,586 |
| Net loans and leases to total assets | 60.5481% | 3,506 |
| Net loans and leases to deposits | 68.3778% | 3,926 |
| Net loans and leases to core deposits | 71.6907% | 4,082 |
| Total domestic deposits to total assets | 88.5493% | 1,874 |
| Equity capital to assets | 9.1760% | 5,302 |
| Core capital (leverage) ratio | 9.3211% | 4,377 |
| Tier 1 risk-based capital ratio | 13.0645% | 5,062 |
| Total risk-based capital ratio | 13.9050% | 5,305 |
| Memoranda: | ||
| Average total assets | $76,936,800 | 5,436 |
| Average earning assets | $70,244,200 | 5,422 |
| Average equity | $7,468,600 | 5,649 |
| Average total loans | $48,545,800 | 5,157 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 4,076 |
| Cost of funding earning assets | 0.5549% | 5,048 |
| Net interest margin | 3.8397% | 3,162 |
| Noninterest income to average assets | 0.3902% | 4,708 |
| Noninterest expense to average assets | 2.9259% | 3,495 |
| Loan and lease loss provision to assets | 0.0795% | 4,641 |
| Net operating income to assets | 0.6215% | 4,291 |
| Return on assets (ROA) | 0.6215% | 4,546 |
| Pretax return on assets | 0.8917% | 4,144 |
| Return on Equity (ROE) | 6.3083% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.9104% | 3,432 |
| Net charge-offs to loans | 0.0444% | 5,031 |
| Credit loss provision to net charge-offs | 281.2500% | 962 |
| Earnings coverage of net charge-offs (x) | 34.3797% | 983 |
| Efficiency ratio | 75.0793% | 2,814 |
| Assets per employee ($millions) | 3.3971% | 5,218 |
| Cash dividends to net income (ytd only)* | 22.1597% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 6,246 |
| Loan loss allowance to noncurrent loans | 2,375.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 6,703 |
| Noncurrent loans to loans | 0.0400% | 6,518 |
| Net loans and leases to total assets | 63.4308% | 3,129 |
| Net loans and leases to deposits | 72.2221% | 3,575 |
| Net loans and leases to core deposits | 75.2246% | 3,821 |
| Total domestic deposits to total assets | 87.8273% | 2,152 |
| Equity capital to assets | 9.7154% | 4,906 |
| Core capital (leverage) ratio | 9.8067% | 3,806 |
| Tier 1 risk-based capital ratio | 13.8493% | 4,651 |
| Total risk-based capital ratio | 14.7250% | 4,854 |
| Memoranda: | ||
| Average total assets | $75,508,500 | 5,532 |
| Average earning assets | $68,962,750 | 5,531 |
| Average equity | $7,439,750 | 5,711 |
| Average total loans | $48,050,500 | 5,233 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 4,251 |
| Cost of funding earning assets | 0.5750% | 5,117 |
| Net interest margin | 3.8078% | 3,322 |
| Noninterest income to average assets | 0.3752% | 4,836 |
| Noninterest expense to average assets | 2.8995% | 3,623 |
| Loan and lease loss provision to assets | 0.0804% | 4,594 |
| Net operating income to assets | 0.6110% | 4,329 |
| Return on assets (ROA) | 0.6110% | 4,576 |
| Pretax return on assets | 0.8736% | 4,185 |
| Return on Equity (ROE) | 6.1711% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.0599% | 3,905 |
| Net charge-offs to loans | 0.0675% | 4,485 |
| Credit loss provision to net charge-offs | 187.5000% | 1,508 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,306 |
| Efficiency ratio | 75.2434% | 2,856 |
| Assets per employee ($millions) | 3.3091% | 5,430 |
| Cash dividends to net income (ytd only)* | 34.2105% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 6,364 |
| Loan loss allowance to noncurrent loans | 7,666.6667% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 6,828 |
| Noncurrent loans to loans | 0.0122% | 6,669 |
| Net loans and leases to total assets | 63.9412% | 3,046 |
| Net loans and leases to deposits | 71.8610% | 3,636 |
| Net loans and leases to core deposits | 74.2603% | 3,989 |
| Total domestic deposits to total assets | 88.9790% | 1,514 |
| Equity capital to assets | 9.8109% | 4,606 |
| Core capital (leverage) ratio | 9.5673% | 4,049 |
| Tier 1 risk-based capital ratio | 14.3652% | 4,200 |
| Total risk-based capital ratio | 15.2596% | 4,401 |
| Memoranda: | ||
| Average total assets | $74,633,330 | 5,588 |
| Average earning assets | $68,176,670 | 5,579 |
| Average equity | $7,389,330 | 5,747 |
| Average total loans | $47,388,670 | 5,291 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 4,219 |
| Cost of funding earning assets | 0.6073% | 5,072 |
| Net interest margin | 3.8183% | 3,298 |
| Noninterest income to average assets | 0.3735% | 4,874 |
| Noninterest expense to average assets | 2.9501% | 3,442 |
| Loan and lease loss provision to assets | 0.0812% | 4,375 |
| Net operating income to assets | 0.5467% | 4,613 |
| Return on assets (ROA) | 0.5467% | 4,826 |
| Pretax return on assets | 0.7795% | 4,491 |
| Return on Equity (ROE) | 5.4962% | 4,549 |
| Retained earnings to average equity (ytd only) | 5.4962% | 3,263 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4148% | 2,583 |
| Assets per employee ($millions) | 3.3081% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 6,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,841 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.0309% | 3,443 |
| Net loans and leases to deposits | 68.3284% | 4,005 |
| Net loans and leases to core deposits | 70.3256% | 4,365 |
| Total domestic deposits to total assets | 89.3200% | 1,472 |
| Equity capital to assets | 9.7166% | 4,499 |
| Core capital (leverage) ratio | 9.6662% | 3,822 |
| Tier 1 risk-based capital ratio | 14.6384% | 3,996 |
| Total risk-based capital ratio | 15.5578% | 4,210 |
| Memoranda: | ||
| Average total assets | $73,895,500 | 5,651 |
| Average earning assets | $66,522,000 | 5,672 |
| Average equity | $7,350,500 | 5,780 |
| Average total loans | $46,520,500 | 5,358 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 4,685 |
| Cost of funding earning assets | 0.7867% | 4,962 |
| Net interest margin | 3.8125% | 3,759 |
| Noninterest income to average assets | 0.4141% | 4,502 |
| Noninterest expense to average assets | 3.1159% | 3,146 |
| Loan and lease loss provision to assets | 0.1004% | 5,334 |
| Net operating income to assets | 0.4885% | 4,473 |
| Return on assets (ROA) | 0.5019% | 4,627 |
| Pretax return on assets | 0.6817% | 4,400 |
| Return on Equity (ROE) | 4.9849% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.8109% | 4,246 |
| Net charge-offs to loans | 0.1567% | 4,889 |
| Credit loss provision to net charge-offs | 101.4085% | 3,425 |
| Earnings coverage of net charge-offs (x) | 7.7183% | 2,284 |
| Efficiency ratio | 80.3090% | 2,262 |
| Assets per employee ($millions) | 3.2593% | 5,600 |
| Cash dividends to net income (ytd only)* | 43.6111% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 6,349 |
| Loan loss allowance to noncurrent loans | 22,250.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 6,774 |
| Noncurrent loans to loans | 0.0043% | 6,862 |
| Net loans and leases to total assets | 63.7320% | 3,249 |
| Net loans and leases to deposits | 71.8233% | 3,821 |
| Net loans and leases to core deposits | 73.3543% | 4,331 |
| Total domestic deposits to total assets | 88.7344% | 1,697 |
| Equity capital to assets | 10.1918% | 3,917 |
| Core capital (leverage) ratio | 9.7162% | 3,725 |
| Tier 1 risk-based capital ratio | 14.2705% | 4,133 |
| Total risk-based capital ratio | 15.1479% | 4,355 |
| Memoranda: | ||
| Average total assets | $71,730,000 | 5,700 |
| Average earning assets | $65,206,600 | 5,694 |
| Average equity | $7,221,800 | 5,800 |
| Average total loans | $45,321,400 | 5,454 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 4,980 |
| Cost of funding earning assets | 0.8120% | 5,075 |
| Net interest margin | 3.7632% | 4,048 |
| Noninterest income to average assets | 0.4219% | 4,502 |
| Noninterest expense to average assets | 3.1336% | 3,045 |
| Loan and lease loss provision to assets | 0.0595% | 5,700 |
| Net operating income to assets | 0.4805% | 4,631 |
| Return on assets (ROA) | 0.4832% | 4,809 |
| Pretax return on assets | 0.6524% | 4,641 |
| Return on Equity (ROE) | 4.8146% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.7406% | 4,086 |
| Net charge-offs to loans | 0.0887% | 5,085 |
| Credit loss provision to net charge-offs | 106.6667% | 3,099 |
| Earnings coverage of net charge-offs (x) | 12.6998% | 1,679 |
| Efficiency ratio | 81.5675% | 2,033 |
| Assets per employee ($millions) | 3.4578% | 5,101 |
| Cash dividends to net income (ytd only)* | 22.3072% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 6,463 |
| Loan loss allowance to noncurrent loans | 450.5051% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 6,002 |
| Noncurrent loans to loans | 0.2101% | 6,452 |
| Net loans and leases to total assets | 64.2764% | 3,255 |
| Net loans and leases to deposits | 72.4511% | 3,905 |
| Net loans and leases to core deposits | 74.5028% | 4,381 |
| Total domestic deposits to total assets | 88.7169% | 1,609 |
| Equity capital to assets | 10.1235% | 4,184 |
| Core capital (leverage) ratio | 10.1315% | 3,273 |
| Tier 1 risk-based capital ratio | 14.0803% | 4,296 |
| Total risk-based capital ratio | 14.9481% | 4,544 |
| Memoranda: | ||
| Average total assets | $71,736,250 | 5,738 |
| Average earning assets | $65,190,500 | 5,738 |
| Average equity | $7,200,250 | 5,842 |
| Average total loans | $45,115,750 | 5,511 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 5,236 |
| Cost of funding earning assets | 0.8369% | 5,148 |
| Net interest margin | 3.6997% | 4,259 |
| Noninterest income to average assets | 0.4059% | 4,628 |
| Noninterest expense to average assets | 3.1577% | 3,059 |
| Loan and lease loss provision to assets | 0.0588% | 5,577 |
| Net operating income to assets | 0.4156% | 4,872 |
| Return on assets (ROA) | 0.4199% | 5,010 |
| Pretax return on assets | 0.5487% | 4,907 |
| Return on Equity (ROE) | 4.1958% | 4,837 |
| Retained earnings to average equity (ytd only) | 2.5455% | 4,671 |
| Net charge-offs to loans | 0.1350% | 4,395 |
| Credit loss provision to net charge-offs | 70.0000% | 4,054 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,264 |
| Efficiency ratio | 83.9911% | 1,812 |
| Assets per employee ($millions) | 3.0551% | 5,967 |
| Cash dividends to net income (ytd only)* | 39.3333% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,502 |
| Loan loss allowance to noncurrent loans | 805.5556% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 6,176 |
| Noncurrent loans to loans | 0.1182% | 6,682 |
| Net loans and leases to total assets | 64.3830% | 3,382 |
| Net loans and leases to deposits | 72.6875% | 4,006 |
| Net loans and leases to core deposits | 74.8164% | 4,464 |
| Total domestic deposits to total assets | 88.5750% | 1,800 |
| Equity capital to assets | 10.2893% | 3,763 |
| Core capital (leverage) ratio | 9.5525% | 3,881 |
| Tier 1 risk-based capital ratio | 14.5153% | 3,773 |
| Total risk-based capital ratio | 15.4012% | 4,030 |
| Memoranda: | ||
| Average total assets | $71,444,000 | 5,790 |
| Average earning assets | $64,761,330 | 5,793 |
| Average equity | $7,150,000 | 5,882 |
| Average total loans | $44,448,000 | 5,594 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 5,471 |
| Cost of funding earning assets | 0.8631% | 5,187 |
| Net interest margin | 3.6014% | 4,561 |
| Noninterest income to average assets | 0.3776% | 4,894 |
| Noninterest expense to average assets | 3.1652% | 3,009 |
| Loan and lease loss provision to assets | 0.0611% | 5,233 |
| Net operating income to assets | 0.3165% | 5,324 |
| Return on assets (ROA) | 0.3165% | 5,401 |
| Pretax return on assets | 0.3721% | 5,421 |
| Return on Equity (ROE) | 3.2068% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.2068% | 4,249 |
| Net charge-offs to loans | 0.0456% | 4,484 |
| Credit loss provision to net charge-offs | 220.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 1,310 |
| Efficiency ratio | 87.9630% | 1,517 |
| Assets per employee ($millions) | 3.2723% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,352 |
| Loan loss allowance to noncurrent loans | 171.1027% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6338% | 5,686 |
| Noncurrent loans to loans | 0.5912% | 5,842 |
| Net loans and leases to total assets | 58.5089% | 4,553 |
| Net loans and leases to deposits | 65.3552% | 5,071 |
| Net loans and leases to core deposits | 67.5850% | 5,342 |
| Total domestic deposits to total assets | 89.5246% | 1,472 |
| Equity capital to assets | 9.4789% | 4,468 |
| Core capital (leverage) ratio | 9.4809% | 3,840 |
| Tier 1 risk-based capital ratio | 14.4149% | 3,796 |
| Total risk-based capital ratio | 15.3296% | 3,997 |
| Memoranda: | ||
| Average total assets | $72,032,500 | 5,817 |
| Average earning assets | $64,419,000 | 5,844 |
| Average equity | $7,110,000 | 5,895 |
| Average total loans | $43,834,500 | 5,663 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 5,346 |
| Cost of funding earning assets | 1.0055% | 5,661 |
| Net interest margin | 3.8150% | 3,889 |
| Noninterest income to average assets | 0.5017% | 4,148 |
| Noninterest expense to average assets | 3.3109% | 2,706 |
| Loan and lease loss provision to assets | 0.0932% | 6,209 |
| Net operating income to assets | 0.4704% | 4,229 |
| Return on assets (ROA) | 0.4751% | 4,370 |
| Pretax return on assets | 0.5965% | 4,338 |
| Return on Equity (ROE) | 4.5624% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.4731% | 4,146 |
| Net charge-offs to loans | 0.1775% | 5,259 |
| Credit loss provision to net charge-offs | 82.8947% | 5,450 |
| Earnings coverage of net charge-offs (x) | 6.0789% | 2,446 |
| Efficiency ratio | 82.8825% | 2,063 |
| Assets per employee ($millions) | 2.9914% | 6,115 |
| Cash dividends to net income (ytd only)* | 45.7944% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 6,233 |
| Loan loss allowance to noncurrent loans | 268.0723% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 5,921 |
| Noncurrent loans to loans | 0.3844% | 6,275 |
| Net loans and leases to total assets | 62.1179% | 4,262 |
| Net loans and leases to deposits | 70.1226% | 4,803 |
| Net loans and leases to core deposits | 74.1675% | 4,960 |
| Total domestic deposits to total assets | 88.5848% | 1,903 |
| Equity capital to assets | 10.2990% | 3,389 |
| Core capital (leverage) ratio | 9.9449% | 3,150 |
| Tier 1 risk-based capital ratio | 14.0557% | 3,832 |
| Total risk-based capital ratio | 14.9448% | 4,038 |
| Memoranda: | ||
| Average total assets | $67,564,200 | 5,948 |
| Average earning assets | $61,860,800 | 5,927 |
| Average equity | $7,035,800 | 6,024 |
| Average total loans | $42,818,400 | 5,802 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 5,542 |
| Cost of funding earning assets | 1.0224% | 5,835 |
| Net interest margin | 3.8100% | 3,933 |
| Noninterest income to average assets | 0.4956% | 4,222 |
| Noninterest expense to average assets | 3.3127% | 2,534 |
| Loan and lease loss provision to assets | 0.0178% | 6,872 |
| Net operating income to assets | 0.5112% | 4,263 |
| Return on assets (ROA) | 0.5174% | 4,419 |
| Pretax return on assets | 0.6602% | 4,385 |
| Return on Equity (ROE) | 4.9548% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.0944% | 4,272 |
| Net charge-offs to loans | 0.1092% | 5,441 |
| Credit loss provision to net charge-offs | 25.7143% | 6,197 |
| Earnings coverage of net charge-offs (x) | 9.6563% | 1,996 |
| Efficiency ratio | 83.1757% | 1,932 |
| Assets per employee ($millions) | 2.9633% | 6,237 |
| Cash dividends to net income (ytd only)* | 37.5471% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 6,432 |
| Loan loss allowance to noncurrent loans | 106.4039% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 5,821 |
| Noncurrent loans to loans | 0.9320% | 5,370 |
| Net loans and leases to total assets | 63.2833% | 4,260 |
| Net loans and leases to deposits | 71.6859% | 4,883 |
| Net loans and leases to core deposits | 75.8672% | 5,075 |
| Total domestic deposits to total assets | 88.2785% | 1,813 |
| Equity capital to assets | 10.4274% | 3,604 |
| Core capital (leverage) ratio | 10.2575% | 2,978 |
| Tier 1 risk-based capital ratio | 14.6750% | 3,411 |
| Total risk-based capital ratio | 15.5778% | 3,578 |
| Memoranda: | ||
| Average total assets | $67,254,500 | 6,021 |
| Average earning assets | $61,555,750 | 6,002 |
| Average equity | $7,023,250 | 6,102 |
| Average total loans | $42,727,000 | 5,889 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 5,497 |
| Cost of funding earning assets | 1.0454% | 5,936 |
| Net interest margin | 3.8308% | 3,759 |
| Noninterest income to average assets | 0.5198% | 3,956 |
| Noninterest expense to average assets | 3.2859% | 2,605 |
| Loan and lease loss provision to assets | 0.0269% | 6,677 |
| Net operating income to assets | 0.5404% | 4,143 |
| Return on assets (ROA) | 0.5496% | 4,236 |
| Pretax return on assets | 0.7109% | 4,197 |
| Return on Equity (ROE) | 5.2607% | 4,148 |
| Retained earnings to average equity (ytd only) | 2.4588% | 4,586 |
| Net charge-offs to loans | 0.1602% | 4,662 |
| Credit loss provision to net charge-offs | 26.4706% | 5,788 |
| Earnings coverage of net charge-offs (x) | 7.1471% | 2,356 |
| Efficiency ratio | 81.9062% | 2,182 |
| Assets per employee ($millions) | 2.9668% | 6,207 |
| Cash dividends to net income (ytd only)* | 53.2609% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 6,259 |
| Loan loss allowance to noncurrent loans | 759.6491% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 7,038 |
| Noncurrent loans to loans | 0.1359% | 6,989 |
| Net loans and leases to total assets | 60.8394% | 4,897 |
| Net loans and leases to deposits | 68.7608% | 5,448 |
| Net loans and leases to core deposits | 72.8768% | 5,571 |
| Total domestic deposits to total assets | 88.4799% | 1,743 |
| Equity capital to assets | 10.2877% | 3,666 |
| Core capital (leverage) ratio | 10.2415% | 2,894 |
| Tier 1 risk-based capital ratio | 14.9389% | 3,183 |
| Total risk-based capital ratio | 15.8702% | 3,344 |
| Memoranda: | ||
| Average total assets | $66,953,670 | 6,063 |
| Average earning assets | $61,031,000 | 6,062 |
| Average equity | $6,995,330 | 6,139 |
| Average total loans | $42,448,000 | 5,935 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 5,434 |
| Cost of funding earning assets | 1.0582% | 6,094 |
| Net interest margin | 3.8494% | 3,575 |
| Noninterest income to average assets | 0.4946% | 4,091 |
| Noninterest expense to average assets | 3.3116% | 2,493 |
| Loan and lease loss provision to assets | 0.0543% | 6,120 |
| Net operating income to assets | 0.4999% | 4,390 |
| Return on assets (ROA) | 0.5188% | 4,437 |
| Pretax return on assets | 0.6635% | 4,362 |
| Return on Equity (ROE) | 4.9262% | 4,402 |
| Retained earnings to average equity (ytd only) | 4.9262% | 3,191 |
| Net charge-offs to loans | 0.1030% | 4,386 |
| Credit loss provision to net charge-offs | 81.8182% | 3,831 |
| Earnings coverage of net charge-offs (x) | 10.4545% | 1,739 |
| Efficiency ratio | 82.6807% | 2,179 |
| Assets per employee ($millions) | 2.9463% | 6,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 6,140 |
| Loan loss allowance to noncurrent loans | 220.2899% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 6,597 |
| Noncurrent loans to loans | 0.4866% | 6,328 |
| Net loans and leases to total assets | 62.0979% | 4,734 |
| Net loans and leases to deposits | 70.2715% | 5,306 |
| Net loans and leases to core deposits | 73.3817% | 5,563 |
| Total domestic deposits to total assets | 88.3685% | 1,867 |
| Equity capital to assets | 10.3595% | 3,395 |
| Core capital (leverage) ratio | 10.3199% | 2,789 |
| Tier 1 risk-based capital ratio | 15.0793% | 3,077 |
| Total risk-based capital ratio | 16.0693% | 3,157 |
| Memoranda: | ||
| Average total assets | $66,312,000 | 6,160 |
| Average earning assets | $60,477,500 | 6,151 |
| Average equity | $6,983,000 | 6,195 |
| Average total loans | $42,698,000 | 5,997 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4306% | 4,534 |
| Cost of funding earning assets | 1.4724% | 5,624 |
| Net interest margin | 3.9582% | 3,038 |
| Noninterest income to average assets | 0.5122% | 4,317 |
| Noninterest expense to average assets | 3.5854% | 2,184 |
| Loan and lease loss provision to assets | 0.0336% | 7,194 |
| Net operating income to assets | 0.4189% | 4,053 |
| Return on assets (ROA) | 0.4449% | 4,069 |
| Pretax return on assets | 0.5244% | 4,122 |
| Return on Equity (ROE) | 4.2065% | 4,001 |
| Retained earnings to average equity (ytd only) | 1.6624% | 3,920 |
| Net charge-offs to loans | 0.1333% | 5,868 |
| Credit loss provision to net charge-offs | 39.2857% | 6,832 |
| Earnings coverage of net charge-offs (x) | 6.1607% | 2,425 |
| Efficiency ratio | 87.1747% | 1,973 |
| Assets per employee ($millions) | 2.8200% | 6,627 |
| Cash dividends to net income (ytd only)* | 60.4811% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 6,049 |
| Loan loss allowance to noncurrent loans | 357.8125% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 6,844 |
| Noncurrent loans to loans | 0.2986% | 6,681 |
| Net loans and leases to total assets | 65.3747% | 4,304 |
| Net loans and leases to deposits | 74.4038% | 4,966 |
| Net loans and leases to core deposits | 85.4827% | 5,575 |
| Total domestic deposits to total assets | 87.8646% | 2,033 |
| Equity capital to assets | 10.7092% | 2,961 |
| Core capital (leverage) ratio | 10.5108% | 2,594 |
| Tier 1 risk-based capital ratio | 15.0307% | 2,919 |
| Total risk-based capital ratio | 16.0342% | 3,007 |
| Memoranda: | ||
| Average total assets | $65,404,200 | 6,155 |
| Average earning assets | $59,496,200 | 6,144 |
| Average equity | $6,917,800 | 6,296 |
| Average total loans | $42,007,600 | 6,011 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 5,910 |
| Cost of funding earning assets | 1.5573% | 5,600 |
| Net interest margin | 3.6344% | 4,353 |
| Noninterest income to average assets | 0.5126% | 4,385 |
| Noninterest expense to average assets | 3.3607% | 2,690 |
| Loan and lease loss provision to assets | 0.0122% | 7,213 |
| Net operating income to assets | 0.3902% | 4,438 |
| Return on assets (ROA) | 0.4252% | 4,405 |
| Pretax return on assets | 0.4943% | 4,535 |
| Return on Equity (ROE) | 4.0323% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.0323% | 3,026 |
| Net charge-offs to loans | 0.1786% | 4,963 |
| Credit loss provision to net charge-offs | 10.7143% | 6,615 |
| Earnings coverage of net charge-offs (x) | 4.0896% | 3,266 |
| Efficiency ratio | 87.8256% | 1,892 |
| Assets per employee ($millions) | 2.8148% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 6,033 |
| Loan loss allowance to noncurrent loans | 136.4198% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 6,088 |
| Noncurrent loans to loans | 0.7664% | 5,769 |
| Net loans and leases to total assets | 64.6169% | 4,731 |
| Net loans and leases to deposits | 73.7821% | 5,389 |
| Net loans and leases to core deposits | 85.4066% | 5,931 |
| Total domestic deposits to total assets | 87.5780% | 1,853 |
| Equity capital to assets | 10.8665% | 3,147 |
| Core capital (leverage) ratio | 10.5084% | 2,786 |
| Tier 1 risk-based capital ratio | 15.5586% | 2,787 |
| Total risk-based capital ratio | 16.5474% | 2,858 |
| Memoranda: | ||
| Average total assets | $65,540,250 | 6,191 |
| Average earning assets | $59,761,250 | 6,177 |
| Average equity | $6,910,750 | 6,347 |
| Average total loans | $41,794,500 | 6,073 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 6,003 |
| Cost of funding earning assets | 1.6716% | 5,410 |
| Net interest margin | 3.5485% | 4,579 |
| Noninterest income to average assets | 0.5136% | 4,322 |
| Noninterest expense to average assets | 3.3553% | 2,769 |
| Loan and lease loss provision to assets | 0.0182% | 7,039 |
| Net operating income to assets | 0.3155% | 4,825 |
| Return on assets (ROA) | 0.3708% | 4,717 |
| Pretax return on assets | 0.4073% | 4,910 |
| Return on Equity (ROE) | 3.5520% | 4,685 |
| Retained earnings to average equity (ytd only) | 3.5520% | 3,326 |
| Net charge-offs to loans | 0.2738% | 3,827 |
| Credit loss provision to net charge-offs | 10.5263% | 6,185 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 4,019 |
| Efficiency ratio | 90.1961% | 1,787 |
| Assets per employee ($millions) | 2.9040% | 6,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 5,824 |
| Loan loss allowance to noncurrent loans | 801.8182% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 7,238 |
| Noncurrent loans to loans | 0.1325% | 7,185 |
| Net loans and leases to total assets | 61.4993% | 5,434 |
| Net loans and leases to deposits | 69.7788% | 6,010 |
| Net loans and leases to core deposits | 85.3031% | 5,984 |
| Total domestic deposits to total assets | 88.1346% | 1,700 |
| Equity capital to assets | 10.3786% | 3,538 |
| Core capital (leverage) ratio | 10.2571% | 3,037 |
| Tier 1 risk-based capital ratio | 15.8058% | 2,690 |
| Total risk-based capital ratio | 16.8209% | 2,718 |
| Memoranda: | ||
| Average total assets | $65,807,000 | 6,233 |
| Average earning assets | $59,462,330 | 6,253 |
| Average equity | $6,869,330 | 6,414 |
| Average total loans | $41,634,330 | 6,127 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 5,906 |
| Cost of funding earning assets | 1.7163% | 5,529 |
| Net interest margin | 3.5795% | 4,412 |
| Noninterest income to average assets | 0.5022% | 4,306 |
| Noninterest expense to average assets | 3.4418% | 2,255 |
| Loan and lease loss provision to assets | 0.0367% | 6,488 |
| Net operating income to assets | 0.2756% | 5,381 |
| Return on assets (ROA) | 0.3858% | 5,099 |
| Pretax return on assets | 0.4287% | 5,316 |
| Return on Equity (ROE) | 3.6853% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.6853% | 3,850 |
| Net charge-offs to loans | 0.5469% | 2,088 |
| Credit loss provision to net charge-offs | 10.5263% | 5,194 |
| Earnings coverage of net charge-offs (x) | 0.9825% | 4,281 |
| Efficiency ratio | 90.9385% | 1,653 |
| Assets per employee ($millions) | 2.8909% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 5,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 7,468 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.1113% | 5,631 |
| Net loans and leases to deposits | 68.1803% | 6,169 |
| Net loans and leases to core deposits | 82.6759% | 6,176 |
| Total domestic deposits to total assets | 88.1651% | 1,671 |
| Equity capital to assets | 10.3354% | 3,619 |
| Core capital (leverage) ratio | 10.1857% | 3,206 |
| Tier 1 risk-based capital ratio | 15.0290% | 3,055 |
| Total risk-based capital ratio | 16.0026% | 3,114 |
| Memoranda: | ||
| Average total assets | $65,315,000 | 6,278 |
| Average earning assets | $59,896,000 | 6,259 |
| Average equity | $6,838,000 | 6,464 |
| Average total loans | $41,693,000 | 6,158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2114% | 4,455 |
| Cost of funding earning assets | 2.2020% | 5,589 |
| Net interest margin | 4.0094% | 3,068 |
| Noninterest income to average assets | 0.5334% | 4,373 |
| Noninterest expense to average assets | 3.3784% | 2,742 |
| Loan and lease loss provision to assets | 0.5039% | 2,796 |
| Net operating income to assets | 0.3287% | 5,451 |
| Return on assets (ROA) | 0.3287% | 5,271 |
| Pretax return on assets | 0.3520% | 5,387 |
| Return on Equity (ROE) | 3.1359% | 5,180 |
| Retained earnings to average equity (ytd only) | 0.9763% | 4,648 |
| Net charge-offs to loans | 0.6147% | 1,997 |
| Credit loss provision to net charge-offs | 122.1805% | 4,399 |
| Earnings coverage of net charge-offs (x) | 2.0752% | 5,039 |
| Efficiency ratio | 79.7876% | 2,627 |
| Assets per employee ($millions) | 2.7887% | 6,581 |
| Cash dividends to net income (ytd only)* | 68.8679% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 4,978 |
| Loan loss allowance to noncurrent loans | 701.4286% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 6,937 |
| Noncurrent loans to loans | 0.1629% | 6,910 |
| Net loans and leases to total assets | 66.2395% | 4,799 |
| Net loans and leases to deposits | 75.3913% | 5,672 |
| Net loans and leases to core deposits | 89.2151% | 5,873 |
| Total domestic deposits to total assets | 87.8609% | 1,533 |
| Equity capital to assets | 10.6080% | 3,380 |
| Core capital (leverage) ratio | 10.4827% | 2,988 |
| Tier 1 risk-based capital ratio | 15.1927% | 2,960 |
| Total risk-based capital ratio | 16.2982% | 2,942 |
| Memoranda: | ||
| Average total assets | $64,497,600 | 6,209 |
| Average earning assets | $59,535,800 | 6,191 |
| Average equity | $6,760,400 | 6,547 |
| Average total loans | $43,276,200 | 6,011 |