Home > Grand Bank for Savings, FSB > Performance and Condition Ratios
Grand Bank for Savings, FSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0165% | 129 |
| Cost of funding earning assets | 4.1031% | 39 |
| Net interest margin | 3.9134% | 1,446 |
| Noninterest income to average assets | 0.1800% | 3,674 |
| Noninterest expense to average assets | 3.4761% | 606 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.3490% | 3,801 |
| Return on assets (ROA) | 0.3490% | 3,826 |
| Pretax return on assets | 0.3490% | 3,890 |
| Return on Equity (ROE) | 4.2700% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.2741% | 2,781 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 89.6099% | 514 |
| Assets per employee ($millions) | 4.9096% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7282% | 3,998 |
| Loan loss allowance to noncurrent loans | 213.3540% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 1,470 |
| Noncurrent loans to loans | 0.3413% | 2,276 |
| Net loans and leases to total assets | 70.6600% | 1,760 |
| Net loans and leases to deposits | 77.6690% | 2,256 |
| Net loans and leases to core deposits | 83.9727% | 2,460 |
| Total domestic deposits to total assets | 90.9700% | 529 |
| Equity capital to assets | 8.0210% | 3,585 |
| Core capital (leverage) ratio | 8.2387% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $259,026,000 | 2,686 |
| Average earning assets | $244,595,500 | 2,655 |
| Average equity | $21,150,500 | 2,940 |
| Average total loans | $186,569,500 | 2,507 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4663% | 118 |
| Cost of funding earning assets | 4.5156% | 37 |
| Net interest margin | 3.9507% | 1,258 |
| Noninterest income to average assets | 0.0600% | 4,337 |
| Noninterest expense to average assets | 3.9795% | 379 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | -0.3250% | 4,313 |
| Return on assets (ROA) | -0.3250% | 4,337 |
| Pretax return on assets | -0.3250% | 4,324 |
| Return on Equity (ROE) | -3.5700% | 4,323 |
| Retained earnings to average equity (ytd only) | -3.5721% | 4,234 |
| Net charge-offs to loans | -0.0097% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 104.5718% | 222 |
| Assets per employee ($millions) | 4.8641% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7368% | 4,005 |
| Loan loss allowance to noncurrent loans | 92.1981% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 824 |
| Noncurrent loans to loans | 0.7992% | 1,234 |
| Net loans and leases to total assets | 72.3800% | 1,626 |
| Net loans and leases to deposits | 80.1688% | 2,123 |
| Net loans and leases to core deposits | 88.2967% | 2,231 |
| Total domestic deposits to total assets | 90.2900% | 731 |
| Equity capital to assets | 8.3168% | 3,328 |
| Core capital (leverage) ratio | 8.4851% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $208,642,400 | 2,944 |
| Average earning assets | $197,583,400 | 2,905 |
| Average equity | $18,980,200 | 3,042 |
| Average total loans | $153,943,000 | 2,690 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3894% | 130 |
| Cost of funding earning assets | 4.4928% | 45 |
| Net interest margin | 3.8966% | 1,307 |
| Noninterest income to average assets | 0.0700% | 4,324 |
| Noninterest expense to average assets | 4.0626% | 355 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | -0.5129% | 4,385 |
| Return on assets (ROA) | -0.5129% | 4,409 |
| Pretax return on assets | -0.5129% | 4,398 |
| Return on Equity (ROE) | -5.4900% | 4,397 |
| Retained earnings to average equity (ytd only) | -5.4874% | 4,347 |
| Net charge-offs to loans | -0.0137% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 107.9821% | 189 |
| Assets per employee ($millions) | 4.5656% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 3,982 |
| Loan loss allowance to noncurrent loans | 127.6056% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7753% | 909 |
| Noncurrent loans to loans | 0.5985% | 1,595 |
| Net loans and leases to total assets | 72.9800% | 1,487 |
| Net loans and leases to deposits | 81.5036% | 2,030 |
| Net loans and leases to core deposits | 90.0583% | 2,142 |
| Total domestic deposits to total assets | 89.5400% | 730 |
| Equity capital to assets | 8.6596% | 3,282 |
| Core capital (leverage) ratio | 9.2116% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $197,569,500 | 3,010 |
| Average earning assets | $187,200,500 | 2,981 |
| Average equity | $18,466,250 | 3,070 |
| Average total loans | $146,318,000 | 2,757 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2968% | 138 |
| Cost of funding earning assets | 4.4091% | 39 |
| Net interest margin | 3.8877% | 1,285 |
| Noninterest income to average assets | 0.0200% | 4,460 |
| Noninterest expense to average assets | 4.1649% | 332 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | -0.6314% | 4,427 |
| Return on assets (ROA) | -0.6314% | 4,456 |
| Pretax return on assets | -0.6314% | 4,440 |
| Return on Equity (ROE) | -6.5400% | 4,431 |
| Retained earnings to average equity (ytd only) | -6.5431% | 4,363 |
| Net charge-offs to loans | -0.0191% | 4,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 112.4704% | 168 |
| Assets per employee ($millions) | 3.8713% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 3,923 |
| Loan loss allowance to noncurrent loans | 69.8774% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3130% | 404 |
| Noncurrent loans to loans | 1.1523% | 784 |
| Net loans and leases to total assets | 71.8700% | 1,662 |
| Net loans and leases to deposits | 80.3706% | 2,178 |
| Net loans and leases to core deposits | 90.0046% | 2,146 |
| Total domestic deposits to total assets | 89.4300% | 868 |
| Equity capital to assets | 9.0827% | 2,683 |
| Core capital (leverage) ratio | 9.4765% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $182,767,667 | 3,112 |
| Average earning assets | $173,006,667 | 3,081 |
| Average equity | $17,637,000 | 3,109 |
| Average total loans | $135,771,667 | 2,854 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2962% | 137 |
| Cost of funding earning assets | 4.1876% | 52 |
| Net interest margin | 4.1087% | 959 |
| Noninterest income to average assets | 0.0700% | 4,325 |
| Noninterest expense to average assets | 4.2667% | 303 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | -0.3591% | 4,431 |
| Return on assets (ROA) | -0.3591% | 4,418 |
| Pretax return on assets | -0.3591% | 4,398 |
| Return on Equity (ROE) | -3.5900% | 4,389 |
| Retained earnings to average equity (ytd only) | -3.5945% | 4,046 |
| Net charge-offs to loans | -0.0062% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 107.9009% | 206 |
| Assets per employee ($millions) | 3.7916% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 3,928 |
| Loan loss allowance to noncurrent loans | 66.9853% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 322 |
| Noncurrent loans to loans | 1.2022% | 692 |
| Net loans and leases to total assets | 71.1300% | 1,664 |
| Net loans and leases to deposits | 79.4806% | 2,109 |
| Net loans and leases to core deposits | 94.8523% | 1,720 |
| Total domestic deposits to total assets | 89.5000% | 960 |
| Equity capital to assets | 9.3743% | 2,417 |
| Core capital (leverage) ratio | 10.0582% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $171,561,000 | 3,202 |
| Average earning assets | $162,290,500 | 3,170 |
| Average equity | $17,137,500 | 3,160 |
| Average total loans | $129,325,000 | 2,908 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0710% | 116 |
| Cost of funding earning assets | 3.2464% | 105 |
| Net interest margin | 4.8246% | 405 |
| Noninterest income to average assets | 2.0500% | 261 |
| Noninterest expense to average assets | 5.6513% | 187 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.7564% | 3,026 |
| Return on assets (ROA) | 0.7564% | 3,003 |
| Pretax return on assets | 0.7564% | 3,322 |
| Return on Equity (ROE) | 6.0400% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.0400% | 2,224 |
| Net charge-offs to loans | -0.0615% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.1439% | 550 |
| Assets per employee ($millions) | 3.6619% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8030% | 3,954 |
| Loan loss allowance to noncurrent loans | 94.7514% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 307 |
| Noncurrent loans to loans | 0.8475% | 905 |
| Net loans and leases to total assets | 78.8900% | 773 |
| Net loans and leases to deposits | 96.3560% | 754 |
| Net loans and leases to core deposits | 118.8770% | 656 |
| Total domestic deposits to total assets | 81.8700% | 3,150 |
| Equity capital to assets | 10.6836% | 1,636 |
| Core capital (leverage) ratio | 11.5588% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $134,323,000 | 3,509 |
| Average earning assets | $125,461,000 | 3,485 |
| Average equity | $16,821,200 | 3,108 |
| Average total loans | $107,358,400 | 3,099 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7230% | 125 |
| Cost of funding earning assets | 3.1000% | 105 |
| Net interest margin | 4.6230% | 510 |
| Noninterest income to average assets | 2.7500% | 212 |
| Noninterest expense to average assets | 5.7167% | 192 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2725% | 1,602 |
| Return on assets (ROA) | 1.2725% | 1,596 |
| Pretax return on assets | 1.2725% | 2,116 |
| Return on Equity (ROE) | 9.7100% | 2,732 |
| Retained earnings to average equity (ytd only) | 9.7109% | 1,491 |
| Net charge-offs to loans | -0.0835% | 4,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.1268% | 792 |
| Assets per employee ($millions) | 3.0376% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 3,978 |
| Loan loss allowance to noncurrent loans | 92.6082% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 330 |
| Noncurrent loans to loans | 0.8650% | 960 |
| Net loans and leases to total assets | 81.2600% | 506 |
| Net loans and leases to deposits | 95.9449% | 757 |
| Net loans and leases to core deposits | 127.3744% | 383 |
| Total domestic deposits to total assets | 84.6900% | 2,601 |
| Equity capital to assets | 13.0308% | 810 |
| Core capital (leverage) ratio | 13.2940% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $127,622,500 | 3,590 |
| Average earning assets | $118,707,500 | 3,573 |
| Average equity | $16,723,000 | 3,101 |
| Average total loans | $102,163,750 | 3,153 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7894% | 114 |
| Cost of funding earning assets | 2.9463% | 96 |
| Net interest margin | 4.8431% | 379 |
| Noninterest income to average assets | 3.5000% | 159 |
| Noninterest expense to average assets | 5.7033% | 181 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 2.2896% | 310 |
| Return on assets (ROA) | 2.2896% | 303 |
| Pretax return on assets | 2.2896% | 473 |
| Return on Equity (ROE) | 17.4400% | 1,028 |
| Retained earnings to average equity (ytd only) | 17.4388% | 375 |
| Net charge-offs to loans | -0.1243% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.2836% | 1,635 |
| Assets per employee ($millions) | 2.9716% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,021 |
| Loan loss allowance to noncurrent loans | 47.6603% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 2.2300% | 119 |
| Noncurrent loans to loans | 1.6801% | 370 |
| Net loans and leases to total assets | 76.4300% | 1,011 |
| Net loans and leases to deposits | 87.9081% | 1,351 |
| Net loans and leases to core deposits | 116.4271% | 615 |
| Total domestic deposits to total assets | 86.9400% | 1,948 |
| Equity capital to assets | 12.0668% | 1,029 |
| Core capital (leverage) ratio | 12.4208% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $125,612,333 | 3,620 |
| Average earning assets | $116,620,667 | 3,602 |
| Average equity | $16,492,000 | 3,144 |
| Average total loans | $99,725,333 | 3,174 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2205% | 102 |
| Cost of funding earning assets | 2.6891% | 69 |
| Net interest margin | 4.5314% | 561 |
| Noninterest income to average assets | 7.4100% | 107 |
| Noninterest expense to average assets | 5.4854% | 202 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 6.1205% | 63 |
| Return on assets (ROA) | 6.1205% | 64 |
| Pretax return on assets | 6.1205% | 74 |
| Return on Equity (ROE) | 44.6300% | 96 |
| Retained earnings to average equity (ytd only) | 44.6311% | 49 |
| Net charge-offs to loans | -0.1917% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.1971% | 4,142 |
| Assets per employee ($millions) | 3.1778% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 4,082 |
| Loan loss allowance to noncurrent loans | 69.6813% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.8976% | 135 |
| Noncurrent loans to loans | 1.1486% | 612 |
| Net loans and leases to total assets | 78.8800% | 663 |
| Net loans and leases to deposits | 91.4553% | 957 |
| Net loans and leases to core deposits | 124.5862% | 355 |
| Total domestic deposits to total assets | 86.2500% | 2,523 |
| Equity capital to assets | 13.0745% | 744 |
| Core capital (leverage) ratio | 13.7165% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $121,558,000 | 3,709 |
| Average earning assets | $112,900,000 | 3,687 |
| Average equity | $16,670,000 | 3,157 |
| Average total loans | $98,074,500 | 3,232 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0176% | 45 |
| Cost of funding earning assets | 0.7666% | 439 |
| Net interest margin | 6.2509% | 45 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 5.5063% | 186 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.7459% | 3,493 |
| Return on assets (ROA) | 0.7459% | 3,435 |
| Pretax return on assets | 0.7459% | 3,753 |
| Return on Equity (ROE) | 5.6000% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.2943% | 3,302 |
| Net charge-offs to loans | 0.0247% | 1,566 |
| Credit loss provision to net charge-offs | 752.3810% | 515 |
| Earnings coverage of net charge-offs (x) | 45.5238% | 1,427 |
| Efficiency ratio | 86.0377% | 421 |
| Assets per employee ($millions) | 2.9002% | 4,540 |
| Cash dividends to net income (ytd only)* | 23.3083% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 4,032 |
| Loan loss allowance to noncurrent loans | 58.1734% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.1283% | 112 |
| Noncurrent loans to loans | 1.3705% | 496 |
| Net loans and leases to total assets | 81.3000% | 472 |
| Net loans and leases to deposits | 107.5931% | 205 |
| Net loans and leases to core deposits | 117.2285% | 421 |
| Total domestic deposits to total assets | 75.5600% | 4,282 |
| Equity capital to assets | 14.4139% | 529 |
| Core capital (leverage) ratio | 13.2205% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $106,986,600 | 3,863 |
| Average earning assets | $99,265,400 | 3,846 |
| Average equity | $14,251,600 | 3,434 |
| Average total loans | $85,131,400 | 3,341 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9519% | 41 |
| Cost of funding earning assets | 0.6076% | 419 |
| Net interest margin | 6.3443% | 40 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 5.4029% | 196 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.9306% | 2,758 |
| Return on assets (ROA) | 0.9306% | 2,725 |
| Pretax return on assets | 0.9306% | 3,237 |
| Return on Equity (ROE) | 7.1500% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.3296% | 2,985 |
| Net charge-offs to loans | 0.0339% | 1,180 |
| Credit loss provision to net charge-offs | 480.9524% | 627 |
| Earnings coverage of net charge-offs (x) | 39.6190% | 1,394 |
| Efficiency ratio | 83.6091% | 568 |
| Assets per employee ($millions) | 2.7760% | 4,593 |
| Cash dividends to net income (ytd only)* | 25.4446% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 4,102 |
| Loan loss allowance to noncurrent loans | 90.3351% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.7490% | 170 |
| Noncurrent loans to loans | 0.8804% | 893 |
| Net loans and leases to total assets | 78.7500% | 636 |
| Net loans and leases to deposits | 102.3684% | 289 |
| Net loans and leases to core deposits | 111.5917% | 423 |
| Total domestic deposits to total assets | 76.9300% | 4,322 |
| Equity capital to assets | 13.2675% | 642 |
| Core capital (leverage) ratio | 12.1292% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $104,731,750 | 3,907 |
| Average earning assets | $97,429,500 | 3,883 |
| Average equity | $13,634,250 | 3,550 |
| Average total loans | $82,646,000 | 3,385 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0455% | 34 |
| Cost of funding earning assets | 0.5812% | 318 |
| Net interest margin | 6.4642% | 37 |
| Noninterest income to average assets | 0.5690% | 1,869 |
| Noninterest expense to average assets | 5.3747% | 152 |
| Loan and lease loss provision to assets | 0.1462% | 654 |
| Net operating income to assets | 1.0952% | 1,790 |
| Return on assets (ROA) | 1.0952% | 1,772 |
| Pretax return on assets | 1.0952% | 2,429 |
| Return on Equity (ROE) | 8.4713% | 2,874 |
| Retained earnings to average equity (ytd only) | 5.6676% | 2,451 |
| Net charge-offs to loans | 0.0544% | 845 |
| Credit loss provision to net charge-offs | 340.9091% | 754 |
| Earnings coverage of net charge-offs (x) | 28.9545% | 1,406 |
| Efficiency ratio | 81.2371% | 853 |
| Assets per employee ($millions) | 2.8182% | 4,641 |
| Cash dividends to net income (ytd only)* | 33.0961% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 4,167 |
| Loan loss allowance to noncurrent loans | 112.8978% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.6463% | 200 |
| Noncurrent loans to loans | 0.7129% | 1,211 |
| Net loans and leases to total assets | 77.5695% | 588 |
| Net loans and leases to deposits | 89.9055% | 729 |
| Net loans and leases to core deposits | 99.0166% | 711 |
| Total domestic deposits to total assets | 86.2790% | 3,174 |
| Equity capital to assets | 12.9899% | 668 |
| Core capital (leverage) ratio | 11.9649% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,629,667 | 3,966 |
| Average earning assets | $96,005,000 | 3,953 |
| Average equity | $13,268,333 | 3,659 |
| Average total loans | $80,814,000 | 3,443 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1117% | 35 |
| Cost of funding earning assets | 0.5706% | 314 |
| Net interest margin | 6.5410% | 35 |
| Noninterest income to average assets | 0.4940% | 2,170 |
| Noninterest expense to average assets | 5.2391% | 161 |
| Loan and lease loss provision to assets | 0.1992% | 365 |
| Net operating income to assets | 1.1753% | 1,314 |
| Return on assets (ROA) | 1.1753% | 1,312 |
| Pretax return on assets | 1.1753% | 1,895 |
| Return on Equity (ROE) | 9.1141% | 2,278 |
| Retained earnings to average equity (ytd only) | 3.3676% | 3,150 |
| Net charge-offs to loans | 0.1210% | 453 |
| Credit loss provision to net charge-offs | 208.3333% | 764 |
| Earnings coverage of net charge-offs (x) | 14.3750% | 1,372 |
| Efficiency ratio | 79.2169% | 1,210 |
| Assets per employee ($millions) | 2.8956% | 4,663 |
| Cash dividends to net income (ytd only)* | 63.0508% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 4,237 |
| Loan loss allowance to noncurrent loans | 118.0657% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6443% | 209 |
| Noncurrent loans to loans | 0.6798% | 1,398 |
| Net loans and leases to total assets | 76.7090% | 462 |
| Net loans and leases to deposits | 88.7570% | 575 |
| Net loans and leases to core deposits | 100.3199% | 503 |
| Total domestic deposits to total assets | 86.4258% | 3,128 |
| Equity capital to assets | 12.8039% | 735 |
| Core capital (leverage) ratio | 12.6443% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,399,000 | 4,002 |
| Average earning assets | $93,930,000 | 3,983 |
| Average equity | $12,947,000 | 3,762 |
| Average total loans | $79,349,000 | 3,468 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9094% | 43 |
| Cost of funding earning assets | 0.9139% | 103 |
| Net interest margin | 5.9955% | 51 |
| Noninterest income to average assets | 0.7191% | 1,693 |
| Noninterest expense to average assets | 4.9529% | 180 |
| Loan and lease loss provision to assets | 0.0252% | 2,558 |
| Net operating income to assets | 1.1806% | 1,993 |
| Return on assets (ROA) | 1.1806% | 2,056 |
| Pretax return on assets | 1.1806% | 2,731 |
| Return on Equity (ROE) | 9.7908% | 2,602 |
| Retained earnings to average equity (ytd only) | 9.7908% | 971 |
| Net charge-offs to loans | -0.0079% | 3,666 |
| Credit loss provision to net charge-offs | -416.6667% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4198% | 779 |
| Assets per employee ($millions) | 2.9259% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 4,273 |
| Loan loss allowance to noncurrent loans | 87.8359% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.9398% | 165 |
| Noncurrent loans to loans | 0.9054% | 1,118 |
| Net loans and leases to total assets | 80.2301% | 259 |
| Net loans and leases to deposits | 92.8727% | 419 |
| Net loans and leases to core deposits | 107.9785% | 322 |
| Total domestic deposits to total assets | 86.3872% | 2,765 |
| Equity capital to assets | 12.9945% | 900 |
| Core capital (leverage) ratio | 12.6838% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,013,400 | 3,997 |
| Average earning assets | $89,833,600 | 4,027 |
| Average equity | $11,939,800 | 3,936 |
| Average total loans | $76,153,400 | 3,539 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8464% | 47 |
| Cost of funding earning assets | 0.9711% | 97 |
| Net interest margin | 5.8754% | 62 |
| Noninterest income to average assets | 0.7949% | 1,540 |
| Noninterest expense to average assets | 4.6893% | 198 |
| Loan and lease loss provision to assets | 0.0331% | 2,334 |
| Net operating income to assets | 1.3597% | 1,656 |
| Return on assets (ROA) | 1.3597% | 1,714 |
| Pretax return on assets | 1.3597% | 2,467 |
| Return on Equity (ROE) | 11.4916% | 2,216 |
| Retained earnings to average equity (ytd only) | 11.4916% | 950 |
| Net charge-offs to loans | -0.0088% | 3,622 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0957% | 950 |
| Assets per employee ($millions) | 2.9940% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 4,342 |
| Loan loss allowance to noncurrent loans | 85.9917% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 325 |
| Noncurrent loans to loans | 0.9353% | 1,226 |
| Net loans and leases to total assets | 79.8088% | 303 |
| Net loans and leases to deposits | 92.4226% | 474 |
| Net loans and leases to core deposits | 110.4333% | 316 |
| Total domestic deposits to total assets | 86.3520% | 2,615 |
| Equity capital to assets | 12.8704% | 1,029 |
| Core capital (leverage) ratio | 11.7045% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,627,750 | 4,043 |
| Average earning assets | $89,660,000 | 4,072 |
| Average equity | $11,788,000 | 4,007 |
| Average total loans | $75,669,750 | 3,603 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8468% | 50 |
| Cost of funding earning assets | 0.9482% | 143 |
| Net interest margin | 5.8987% | 66 |
| Noninterest income to average assets | 0.8345% | 1,441 |
| Noninterest expense to average assets | 4.5986% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4767% | 1,358 |
| Return on assets (ROA) | 1.4767% | 1,417 |
| Pretax return on assets | 1.4767% | 2,091 |
| Return on Equity (ROE) | 12.8371% | 1,774 |
| Retained earnings to average equity (ytd only) | 12.8371% | 753 |
| Net charge-offs to loans | -0.0080% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6933% | 1,113 |
| Assets per employee ($millions) | 3.1153% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8026% | 4,363 |
| Loan loss allowance to noncurrent loans | 92.9467% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2537% | 529 |
| Noncurrent loans to loans | 0.8635% | 1,425 |
| Net loans and leases to total assets | 67.2172% | 1,554 |
| Net loans and leases to deposits | 82.0021% | 1,222 |
| Net loans and leases to core deposits | 96.7896% | 773 |
| Total domestic deposits to total assets | 81.9702% | 3,928 |
| Equity capital to assets | 11.0193% | 1,957 |
| Core capital (leverage) ratio | 11.4974% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,900,667 | 4,057 |
| Average earning assets | $89,647,333 | 4,090 |
| Average equity | $11,607,000 | 4,036 |
| Average total loans | $75,198,333 | 3,630 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3167% | 41 |
| Cost of funding earning assets | 1.1334% | 73 |
| Net interest margin | 6.1833% | 58 |
| Noninterest income to average assets | 0.8675% | 1,418 |
| Noninterest expense to average assets | 4.6554% | 194 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5078% | 1,312 |
| Return on assets (ROA) | 1.5078% | 1,372 |
| Pretax return on assets | 1.5078% | 1,971 |
| Return on Equity (ROE) | 12.8036% | 1,726 |
| Retained earnings to average equity (ytd only) | 12.8036% | 959 |
| Net charge-offs to loans | -0.0105% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5362% | 1,177 |
| Assets per employee ($millions) | 2.8223% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,427 |
| Loan loss allowance to noncurrent loans | 95.3301% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3890% | 485 |
| Noncurrent loans to loans | 0.8281% | 1,616 |
| Net loans and leases to total assets | 75.3156% | 695 |
| Net loans and leases to deposits | 93.7981% | 503 |
| Net loans and leases to core deposits | 111.6655% | 370 |
| Total domestic deposits to total assets | 80.2954% | 4,164 |
| Equity capital to assets | 12.0360% | 1,263 |
| Core capital (leverage) ratio | 11.8237% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,833,000 | 4,110 |
| Average earning assets | $82,933,000 | 4,179 |
| Average equity | $11,403,000 | 4,066 |
| Average total loans | $75,855,500 | 3,635 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5104% | 32 |
| Cost of funding earning assets | 1.4553% | 101 |
| Net interest margin | 6.0551% | 43 |
| Noninterest income to average assets | 0.7290% | 1,747 |
| Noninterest expense to average assets | 5.1224% | 182 |
| Loan and lease loss provision to assets | 0.1219% | 2,844 |
| Net operating income to assets | 0.8611% | 2,857 |
| Return on assets (ROA) | 0.8611% | 2,996 |
| Pretax return on assets | 0.8611% | 3,477 |
| Return on Equity (ROE) | 7.1828% | 3,133 |
| Retained earnings to average equity (ytd only) | 5.8460% | 1,873 |
| Net charge-offs to loans | -0.0042% | 4,089 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9002% | 642 |
| Assets per employee ($millions) | 2.9652% | 4,816 |
| Cash dividends to net income (ytd only)* | 18.6107% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 4,483 |
| Loan loss allowance to noncurrent loans | 87.7794% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 490 |
| Noncurrent loans to loans | 0.8746% | 1,621 |
| Net loans and leases to total assets | 80.2365% | 407 |
| Net loans and leases to deposits | 99.6284% | 386 |
| Net loans and leases to core deposits | 134.0576% | 164 |
| Total domestic deposits to total assets | 80.5358% | 3,952 |
| Equity capital to assets | 11.5053% | 1,880 |
| Core capital (leverage) ratio | 11.4113% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5324% | 410 |
| Memoranda: | ||
| Average total assets | $88,610,600 | 4,133 |
| Average earning assets | $78,677,200 | 4,178 |
| Average equity | $10,622,600 | 4,141 |
| Average total loans | $71,517,200 | 3,697 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4185% | 37 |
| Cost of funding earning assets | 1.4905% | 125 |
| Net interest margin | 5.9280% | 49 |
| Noninterest income to average assets | 0.6924% | 1,821 |
| Noninterest expense to average assets | 5.1652% | 176 |
| Loan and lease loss provision to assets | 0.1654% | 2,345 |
| Net operating income to assets | 0.7414% | 3,311 |
| Return on assets (ROA) | 0.7414% | 3,414 |
| Pretax return on assets | 0.7414% | 3,795 |
| Return on Equity (ROE) | 6.1173% | 3,516 |
| Retained earnings to average equity (ytd only) | 4.3226% | 2,884 |
| Net charge-offs to loans | -0.0019% | 3,877 |
| Credit loss provision to net charge-offs | -10,800.0000% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0656% | 556 |
| Assets per employee ($millions) | 2.6891% | 4,904 |
| Cash dividends to net income (ytd only)* | 29.3388% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,398 |
| Loan loss allowance to noncurrent loans | 96.8699% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.4853% | 580 |
| Noncurrent loans to loans | 0.8091% | 1,804 |
| Net loans and leases to total assets | 81.4153% | 490 |
| Net loans and leases to deposits | 106.2671% | 315 |
| Net loans and leases to core deposits | 133.7850% | 198 |
| Total domestic deposits to total assets | 76.6138% | 4,369 |
| Equity capital to assets | 11.6340% | 1,914 |
| Core capital (leverage) ratio | 12.1892% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7907% | 372 |
| Memoranda: | ||
| Average total assets | $87,041,500 | 4,159 |
| Average earning assets | $78,989,750 | 4,179 |
| Average equity | $10,549,000 | 4,148 |
| Average total loans | $70,215,750 | 3,747 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6042% | 39 |
| Cost of funding earning assets | 1.5572% | 139 |
| Net interest margin | 6.0470% | 63 |
| Noninterest income to average assets | 0.7292% | 1,643 |
| Noninterest expense to average assets | 5.2747% | 168 |
| Loan and lease loss provision to assets | 0.1683% | 2,325 |
| Net operating income to assets | 0.8039% | 3,035 |
| Return on assets (ROA) | 0.8039% | 3,151 |
| Pretax return on assets | 0.8039% | 3,572 |
| Return on Equity (ROE) | 6.5401% | 3,313 |
| Retained earnings to average equity (ytd only) | -0.8175% | 4,447 |
| Net charge-offs to loans | -0.0029% | 3,880 |
| Credit loss provision to net charge-offs | -7,200.0000% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4370% | 615 |
| Assets per employee ($millions) | 2.4199% | 4,961 |
| Cash dividends to net income (ytd only)* | 112.5000% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,373 |
| Loan loss allowance to noncurrent loans | 96.3415% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 569 |
| Noncurrent loans to loans | 0.8159% | 1,862 |
| Net loans and leases to total assets | 82.4045% | 382 |
| Net loans and leases to deposits | 104.8902% | 348 |
| Net loans and leases to core deposits | 133.7376% | 220 |
| Total domestic deposits to total assets | 78.5627% | 4,102 |
| Equity capital to assets | 12.3946% | 1,428 |
| Core capital (leverage) ratio | 11.9616% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7449% | 340 |
| Memoranda: | ||
| Average total assets | $85,578,667 | 4,187 |
| Average earning assets | $78,088,333 | 4,196 |
| Average equity | $10,519,667 | 4,164 |
| Average total loans | $68,612,333 | 3,785 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5507% | 49 |
| Cost of funding earning assets | 1.5432% | 223 |
| Net interest margin | 6.0075% | 59 |
| Noninterest income to average assets | 0.5952% | 2,059 |
| Noninterest expense to average assets | 5.2686% | 193 |
| Loan and lease loss provision to assets | 0.3348% | 921 |
| Net operating income to assets | 0.5673% | 3,691 |
| Return on assets (ROA) | 0.5673% | 3,757 |
| Pretax return on assets | 0.5673% | 3,987 |
| Return on Equity (ROE) | 4.6342% | 3,770 |
| Retained earnings to average equity (ytd only) | -0.7597% | 4,110 |
| Net charge-offs to loans | -0.0059% | 3,905 |
| Credit loss provision to net charge-offs | -7,200.0000% | 3,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3806% | 744 |
| Assets per employee ($millions) | 2.4999% | 4,959 |
| Cash dividends to net income (ytd only)* | 116.3934% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,387 |
| Loan loss allowance to noncurrent loans | 66.9903% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 2.0138% | 412 |
| Noncurrent loans to loans | 1.2105% | 1,352 |
| Net loans and leases to total assets | 77.1678% | 1,100 |
| Net loans and leases to deposits | 97.3092% | 789 |
| Net loans and leases to core deposits | 127.2100% | 315 |
| Total domestic deposits to total assets | 79.3017% | 3,993 |
| Equity capital to assets | 12.0235% | 2,050 |
| Core capital (leverage) ratio | 12.2228% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5916% | 346 |
| Memoranda: | ||
| Average total assets | $86,019,000 | 4,183 |
| Average earning assets | $79,834,000 | 4,173 |
| Average equity | $10,530,500 | 4,179 |
| Average total loans | $67,744,500 | 3,809 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6485% | 52 |
| Cost of funding earning assets | 1.5101% | 384 |
| Net interest margin | 6.1384% | 57 |
| Noninterest income to average assets | 0.9594% | 1,058 |
| Noninterest expense to average assets | 5.8885% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7395% | 3,733 |
| Return on assets (ROA) | 0.7395% | 3,806 |
| Pretax return on assets | 0.7395% | 4,113 |
| Return on Equity (ROE) | 5.8656% | 3,957 |
| Retained earnings to average equity (ytd only) | 1.8389% | 4,063 |
| Net charge-offs to loans | 0.0298% | 2,805 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 31.1000% | 1,545 |
| Efficiency ratio | 88.8430% | 400 |
| Assets per employee ($millions) | 2.2248% | 5,060 |
| Cash dividends to net income (ytd only)* | 68.6495% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 4,555 |
| Loan loss allowance to noncurrent loans | 62.3698% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.8559% | 455 |
| Noncurrent loans to loans | 1.1391% | 1,326 |
| Net loans and leases to total assets | 79.1786% | 901 |
| Net loans and leases to deposits | 100.7753% | 540 |
| Net loans and leases to core deposits | 133.3599% | 236 |
| Total domestic deposits to total assets | 78.5695% | 4,262 |
| Equity capital to assets | 12.4682% | 1,836 |
| Core capital (leverage) ratio | 12.0943% | 1,721 |
| Tier 1 risk-based capital ratio | 26.7043% | 638 |
| Total risk-based capital ratio | 27.9178% | 624 |
| Memoranda: | ||
| Average total assets | $84,113,200 | 4,224 |
| Average earning assets | $77,675,400 | 4,221 |
| Average equity | $10,604,200 | 4,167 |
| Average total loans | $67,216,000 | 3,831 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7909% | 48 |
| Cost of funding earning assets | 1.4669% | 458 |
| Net interest margin | 6.3239% | 51 |
| Noninterest income to average assets | 0.8460% | 1,288 |
| Noninterest expense to average assets | 5.4868% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1888% | 2,234 |
| Return on assets (ROA) | 1.1888% | 2,313 |
| Pretax return on assets | 1.1888% | 3,014 |
| Return on Equity (ROE) | 9.4034% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.8379% | 2,444 |
| Net charge-offs to loans | 0.0457% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 32.5608% | 1,556 |
| Efficiency ratio | 82.1921% | 748 |
| Assets per employee ($millions) | 2.1499% | 5,146 |
| Cash dividends to net income (ytd only)* | 37.9176% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7154% | 4,618 |
| Loan loss allowance to noncurrent loans | 94.0711% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 589 |
| Noncurrent loans to loans | 0.7605% | 2,064 |
| Net loans and leases to total assets | 76.8199% | 1,342 |
| Net loans and leases to deposits | 97.9335% | 824 |
| Net loans and leases to core deposits | 140.9894% | 174 |
| Total domestic deposits to total assets | 78.4409% | 4,278 |
| Equity capital to assets | 12.5715% | 1,859 |
| Core capital (leverage) ratio | 12.8497% | 1,408 |
| Tier 1 risk-based capital ratio | 27.4621% | 609 |
| Total risk-based capital ratio | 28.6712% | 598 |
| Memoranda: | ||
| Average total assets | $84,005,750 | 4,279 |
| Average earning assets | $77,439,250 | 4,276 |
| Average equity | $10,620,000 | 4,211 |
| Average total loans | $67,165,250 | 3,871 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6705% | 53 |
| Cost of funding earning assets | 1.4454% | 453 |
| Net interest margin | 6.2251% | 58 |
| Noninterest income to average assets | 1.0535% | 779 |
| Noninterest expense to average assets | 5.5002% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2791% | 1,858 |
| Return on assets (ROA) | 1.2791% | 1,914 |
| Pretax return on assets | 1.2791% | 2,638 |
| Return on Equity (ROE) | 10.0982% | 2,347 |
| Retained earnings to average equity (ytd only) | 7.4079% | 1,645 |
| Net charge-offs to loans | 0.0683% | 1,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 23.1739% | 1,661 |
| Efficiency ratio | 81.1327% | 874 |
| Assets per employee ($millions) | 2.1680% | 5,190 |
| Cash dividends to net income (ytd only)* | 26.6417% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7076% | 4,700 |
| Loan loss allowance to noncurrent loans | 94.2574% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.7224% | 608 |
| Noncurrent loans to loans | 0.7507% | 2,110 |
| Net loans and leases to total assets | 81.0762% | 721 |
| Net loans and leases to deposits | 104.2826% | 411 |
| Net loans and leases to core deposits | 146.6141% | 148 |
| Total domestic deposits to total assets | 77.7466% | 4,445 |
| Equity capital to assets | 13.0330% | 1,569 |
| Core capital (leverage) ratio | 12.8099% | 1,397 |
| Tier 1 risk-based capital ratio | 27.0419% | 617 |
| Total risk-based capital ratio | 28.2408% | 608 |
| Memoranda: | ||
| Average total assets | $83,342,330 | 4,320 |
| Average earning assets | $76,657,330 | 4,317 |
| Average equity | $10,556,330 | 4,227 |
| Average total loans | $67,374,330 | 3,896 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7761% | 52 |
| Cost of funding earning assets | 1.3836% | 484 |
| Net interest margin | 6.3925% | 54 |
| Noninterest income to average assets | 1.5891% | 348 |
| Noninterest expense to average assets | 5.6358% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8181% | 555 |
| Return on assets (ROA) | 1.8181% | 573 |
| Pretax return on assets | 1.8181% | 945 |
| Return on Equity (ROE) | 14.5614% | 844 |
| Retained earnings to average equity (ytd only) | 9.1343% | 1,270 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6082% | 1,545 |
| Assets per employee ($millions) | 2.0818% | 5,259 |
| Cash dividends to net income (ytd only)* | 37.2703% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7380% | 4,696 |
| Loan loss allowance to noncurrent loans | 54.1215% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.4558% | 319 |
| Noncurrent loans to loans | 1.3636% | 1,186 |
| Net loans and leases to total assets | 80.6007% | 769 |
| Net loans and leases to deposits | 103.4112% | 422 |
| Net loans and leases to core deposits | 149.8181% | 126 |
| Total domestic deposits to total assets | 77.9419% | 4,526 |
| Equity capital to assets | 12.7115% | 1,621 |
| Core capital (leverage) ratio | 12.8903% | 1,326 |
| Tier 1 risk-based capital ratio | 26.2317% | 672 |
| Total risk-based capital ratio | 27.4683% | 656 |
| Memoranda: | ||
| Average total assets | $83,822,000 | 4,356 |
| Average earning assets | $76,902,500 | 4,357 |
| Average equity | $10,466,000 | 4,263 |
| Average total loans | $67,427,000 | 3,936 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6725% | 50 |
| Cost of funding earning assets | 0.9881% | 796 |
| Net interest margin | 6.6844% | 45 |
| Noninterest income to average assets | 1.0757% | 804 |
| Noninterest expense to average assets | 6.1388% | 127 |
| Loan and lease loss provision to assets | 0.4167% | 317 |
| Net operating income to assets | 0.5744% | 4,493 |
| Return on assets (ROA) | 0.5744% | 4,497 |
| Pretax return on assets | 0.5744% | 4,674 |
| Return on Equity (ROE) | 4.2326% | 4,647 |
| Retained earnings to average equity (ytd only) | -3.5996% | 5,204 |
| Net charge-offs to loans | 0.1203% | 1,534 |
| Credit loss provision to net charge-offs | 422.0779% | 794 |
| Earnings coverage of net charge-offs (x) | 10.0390% | 2,761 |
| Efficiency ratio | 86.0996% | 520 |
| Assets per employee ($millions) | 2.1634% | 5,293 |
| Cash dividends to net income (ytd only)* | 185.0446% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 3,022 |
| Loan loss allowance to noncurrent loans | 107.1633% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 2.9274% | 222 |
| Noncurrent loans to loans | 1.0381% | 1,579 |
| Net loans and leases to total assets | 78.8039% | 1,137 |
| Net loans and leases to deposits | 100.4305% | 708 |
| Net loans and leases to core deposits | 142.2611% | 177 |
| Total domestic deposits to total assets | 78.4661% | 4,409 |
| Equity capital to assets | 12.2633% | 1,719 |
| Core capital (leverage) ratio | 12.7247% | 1,362 |
| Tier 1 risk-based capital ratio | 25.4802% | 710 |
| Total risk-based capital ratio | 26.7361% | 693 |
| Memoranda: | ||
| Average total assets | $77,995,400 | 4,464 |
| Average earning assets | $70,641,600 | 4,484 |
| Average equity | $10,584,600 | 4,218 |
| Average total loans | $63,988,400 | 4,002 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5234% | 50 |
| Cost of funding earning assets | 0.8924% | 955 |
| Net interest margin | 6.6310% | 45 |
| Noninterest income to average assets | 1.3385% | 530 |
| Noninterest expense to average assets | 6.2563% | 125 |
| Loan and lease loss provision to assets | 0.1326% | 1,520 |
| Net operating income to assets | 0.9406% | 3,351 |
| Return on assets (ROA) | 0.9406% | 3,352 |
| Pretax return on assets | 0.9406% | 3,896 |
| Return on Equity (ROE) | 6.7517% | 4,017 |
| Retained earnings to average equity (ytd only) | -2.0794% | 5,204 |
| Net charge-offs to loans | 0.1604% | 1,032 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 8.0922% | 2,749 |
| Efficiency ratio | 85.3571% | 553 |
| Assets per employee ($millions) | 2.1459% | 5,359 |
| Cash dividends to net income (ytd only)* | 130.7980% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 4,748 |
| Loan loss allowance to noncurrent loans | 78.2473% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 3.0144% | 239 |
| Noncurrent loans to loans | 0.9626% | 1,766 |
| Net loans and leases to total assets | 80.7917% | 901 |
| Net loans and leases to deposits | 104.2834% | 535 |
| Net loans and leases to core deposits | 145.7941% | 167 |
| Total domestic deposits to total assets | 77.4732% | 4,572 |
| Equity capital to assets | 12.9539% | 1,358 |
| Core capital (leverage) ratio | 13.3928% | 1,146 |
| Tier 1 risk-based capital ratio | 26.1545% | 671 |
| Total risk-based capital ratio | 27.3925% | 663 |
| Memoranda: | ||
| Average total assets | $76,400,750 | 4,539 |
| Average earning assets | $69,027,250 | 4,561 |
| Average equity | $10,644,000 | 4,250 |
| Average total loans | $63,176,000 | 4,064 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1798% | 58 |
| Cost of funding earning assets | 0.7997% | 1,129 |
| Net interest margin | 6.3801% | 53 |
| Noninterest income to average assets | 1.7406% | 342 |
| Noninterest expense to average assets | 6.5340% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9533% | 3,219 |
| Return on assets (ROA) | 0.9533% | 3,228 |
| Pretax return on assets | 0.9533% | 3,795 |
| Return on Equity (ROE) | 6.6723% | 4,003 |
| Retained earnings to average equity (ytd only) | -4.2358% | 5,255 |
| Net charge-offs to loans | 0.2190% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.2353% | 2,726 |
| Efficiency ratio | 87.2675% | 509 |
| Assets per employee ($millions) | 1.8403% | 5,454 |
| Cash dividends to net income (ytd only)* | 163.4831% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 4,972 |
| Loan loss allowance to noncurrent loans | 38.9189% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 3.9071% | 145 |
| Noncurrent loans to loans | 1.7601% | 900 |
| Net loans and leases to total assets | 83.0106% | 578 |
| Net loans and leases to deposits | 100.7091% | 758 |
| Net loans and leases to core deposits | 141.8150% | 179 |
| Total domestic deposits to total assets | 82.4261% | 3,586 |
| Equity capital to assets | 13.9199% | 954 |
| Core capital (leverage) ratio | 14.2754% | 831 |
| Tier 1 risk-based capital ratio | 27.1965% | 596 |
| Total risk-based capital ratio | 28.3151% | 596 |
| Memoranda: | ||
| Average total assets | $74,686,670 | 4,614 |
| Average earning assets | $67,272,000 | 4,637 |
| Average equity | $10,671,000 | 4,281 |
| Average total loans | $62,108,000 | 4,114 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4093% | 44 |
| Cost of funding earning assets | 0.7847% | 1,021 |
| Net interest margin | 6.6247% | 39 |
| Noninterest income to average assets | 1.7657% | 321 |
| Noninterest expense to average assets | 6.6699% | 120 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0497% | 2,650 |
| Return on assets (ROA) | 1.0497% | 2,662 |
| Pretax return on assets | 1.0497% | 3,359 |
| Return on Equity (ROE) | 7.2524% | 3,677 |
| Retained earnings to average equity (ytd only) | 1.9340% | 4,370 |
| Net charge-offs to loans | -0.0065% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4017% | 618 |
| Assets per employee ($millions) | 1.8323% | 5,520 |
| Cash dividends to net income (ytd only)* | 73.3333% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 4,763 |
| Loan loss allowance to noncurrent loans | 58.0533% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 4.0173% | 157 |
| Noncurrent loans to loans | 1.3963% | 1,274 |
| Net loans and leases to total assets | 81.6002% | 712 |
| Net loans and leases to deposits | 96.4809% | 979 |
| Net loans and leases to core deposits | 131.0481% | 320 |
| Total domestic deposits to total assets | 84.5766% | 3,086 |
| Equity capital to assets | 14.3506% | 807 |
| Core capital (leverage) ratio | 14.3989% | 788 |
| Tier 1 risk-based capital ratio | 28.1819% | 549 |
| Total risk-based capital ratio | 29.4314% | 545 |
| Memoranda: | ||
| Average total assets | $74,303,500 | 4,669 |
| Average earning assets | $66,780,500 | 4,698 |
| Average equity | $10,755,000 | 4,314 |
| Average total loans | $61,629,000 | 4,163 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6847% | 46 |
| Cost of funding earning assets | 0.6783% | 1,142 |
| Net interest margin | 7.0064% | 40 |
| Noninterest income to average assets | 1.4602% | 496 |
| Noninterest expense to average assets | 6.2358% | 141 |
| Loan and lease loss provision to assets | 0.1030% | 2,168 |
| Net operating income to assets | 1.4237% | 967 |
| Return on assets (ROA) | 1.4237% | 985 |
| Pretax return on assets | 1.4237% | 1,914 |
| Return on Equity (ROE) | 10.2020% | 1,806 |
| Retained earnings to average equity (ytd only) | 2.7747% | 3,648 |
| Net charge-offs to loans | 0.1285% | 1,757 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 14.8228% | 2,295 |
| Efficiency ratio | 80.3325% | 1,074 |
| Assets per employee ($millions) | 1.7495% | 5,589 |
| Cash dividends to net income (ytd only)* | 72.8022% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 4,784 |
| Loan loss allowance to noncurrent loans | 60.9756% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 4.4134% | 123 |
| Noncurrent loans to loans | 1.3343% | 1,305 |
| Net loans and leases to total assets | 82.9521% | 571 |
| Net loans and leases to deposits | 98.7221% | 847 |
| Net loans and leases to core deposits | 126.9452% | 412 |
| Total domestic deposits to total assets | 84.0258% | 3,199 |
| Equity capital to assets | 14.6011% | 756 |
| Core capital (leverage) ratio | 14.5531% | 716 |
| Tier 1 risk-based capital ratio | 28.1416% | 533 |
| Total risk-based capital ratio | 29.3902% | 527 |
| Memoranda: | ||
| Average total assets | $76,702,800 | 4,652 |
| Average earning assets | $68,993,800 | 4,684 |
| Average equity | $10,703,800 | 4,348 |
| Average total loans | $61,469,600 | 4,167 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5135% | 46 |
| Cost of funding earning assets | 0.6803% | 1,072 |
| Net interest margin | 6.8332% | 42 |
| Noninterest income to average assets | 1.6204% | 423 |
| Noninterest expense to average assets | 5.9846% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7873% | 479 |
| Return on assets (ROA) | 1.7873% | 490 |
| Pretax return on assets | 1.7873% | 914 |
| Return on Equity (ROE) | 12.9498% | 1,070 |
| Retained earnings to average equity (ytd only) | 4.5866% | 3,153 |
| Net charge-offs to loans | 0.0130% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 173.1625% | 489 |
| Efficiency ratio | 77.0031% | 1,460 |
| Assets per employee ($millions) | 1.7793% | 5,654 |
| Cash dividends to net income (ytd only)* | 64.5810% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8077% | 4,870 |
| Loan loss allowance to noncurrent loans | 48.8142% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 4.5068% | 134 |
| Noncurrent loans to loans | 1.6547% | 1,105 |
| Net loans and leases to total assets | 81.1754% | 809 |
| Net loans and leases to deposits | 96.4850% | 1,069 |
| Net loans and leases to core deposits | 122.7842% | 491 |
| Total domestic deposits to total assets | 84.1326% | 3,069 |
| Equity capital to assets | 14.4503% | 867 |
| Core capital (leverage) ratio | 15.4197% | 592 |
| Tier 1 risk-based capital ratio | 28.1870% | 555 |
| Total risk-based capital ratio | 29.4373% | 544 |
| Memoranda: | ||
| Average total assets | $77,508,250 | 4,682 |
| Average earning assets | $69,775,250 | 4,719 |
| Average equity | $10,697,500 | 4,389 |
| Average total loans | $61,473,500 | 4,207 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6134% | 45 |
| Cost of funding earning assets | 0.6772% | 1,004 |
| Net interest margin | 6.9362% | 43 |
| Noninterest income to average assets | 1.9915% | 314 |
| Noninterest expense to average assets | 5.9719% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2618% | 191 |
| Return on assets (ROA) | 2.2618% | 190 |
| Pretax return on assets | 2.2618% | 318 |
| Return on Equity (ROE) | 16.6359% | 444 |
| Retained earnings to average equity (ytd only) | 4.0511% | 3,295 |
| Net charge-offs to loans | -0.0877% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5302% | 2,258 |
| Assets per employee ($millions) | 1.7923% | 5,698 |
| Cash dividends to net income (ytd only)* | 75.6483% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,774 |
| Loan loss allowance to noncurrent loans | 70.6040% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 4.2560% | 156 |
| Noncurrent loans to loans | 1.2236% | 1,592 |
| Net loans and leases to total assets | 78.3230% | 1,196 |
| Net loans and leases to deposits | 92.3023% | 1,453 |
| Net loans and leases to core deposits | 117.2419% | 674 |
| Total domestic deposits to total assets | 84.8549% | 2,869 |
| Equity capital to assets | 13.8112% | 1,033 |
| Core capital (leverage) ratio | 13.6789% | 945 |
| Tier 1 risk-based capital ratio | 27.8384% | 559 |
| Total risk-based capital ratio | 29.0885% | 547 |
| Memoranda: | ||
| Average total assets | $78,433,670 | 4,694 |
| Average earning assets | $70,586,000 | 4,738 |
| Average equity | $10,663,670 | 4,413 |
| Average total loans | $61,578,670 | 4,220 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2815% | 35 |
| Cost of funding earning assets | 0.6690% | 983 |
| Net interest margin | 7.6125% | 33 |
| Noninterest income to average assets | 2.1032% | 295 |
| Noninterest expense to average assets | 5.8698% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.0790% | 88 |
| Return on assets (ROA) | 3.0790% | 89 |
| Pretax return on assets | 3.0790% | 123 |
| Return on Equity (ROE) | 22.8229% | 128 |
| Retained earnings to average equity (ytd only) | 18.1384% | 136 |
| Net charge-offs to loans | -0.1679% | 5,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5932% | 3,561 |
| Assets per employee ($millions) | 1.8498% | 5,757 |
| Cash dividends to net income (ytd only)* | 20.5255% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8716% | 4,856 |
| Loan loss allowance to noncurrent loans | 68.4896% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 4.5435% | 143 |
| Noncurrent loans to loans | 1.2726% | 1,583 |
| Net loans and leases to total assets | 75.2096% | 1,544 |
| Net loans and leases to deposits | 88.4303% | 1,737 |
| Net loans and leases to core deposits | 111.1867% | 816 |
| Total domestic deposits to total assets | 85.0496% | 3,065 |
| Equity capital to assets | 13.7272% | 997 |
| Core capital (leverage) ratio | 13.9481% | 860 |
| Tier 1 risk-based capital ratio | 28.3647% | 535 |
| Total risk-based capital ratio | 29.6142% | 522 |
| Memoranda: | ||
| Average total assets | $79,116,500 | 4,728 |
| Average earning assets | $71,146,500 | 4,763 |
| Average equity | $10,673,500 | 4,438 |
| Average total loans | $61,924,000 | 4,246 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8444% | 42 |
| Cost of funding earning assets | 0.6400% | 1,106 |
| Net interest margin | 7.2044% | 39 |
| Noninterest income to average assets | 1.6441% | 445 |
| Noninterest expense to average assets | 6.1030% | 159 |
| Loan and lease loss provision to assets | 0.2851% | 686 |
| Net operating income to assets | 1.7154% | 523 |
| Return on assets (ROA) | 1.7154% | 552 |
| Pretax return on assets | 1.7154% | 963 |
| Return on Equity (ROE) | 12.3765% | 1,150 |
| Retained earnings to average equity (ytd only) | 3.0941% | 3,701 |
| Net charge-offs to loans | 0.3749% | 722 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 7.0169% | 3,085 |
| Efficiency ratio | 75.3131% | 2,091 |
| Assets per employee ($millions) | 1.9673% | 5,799 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 5,141 |
| Loan loss allowance to noncurrent loans | 62.7353% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 4.5825% | 150 |
| Noncurrent loans to loans | 1.2552% | 1,634 |
| Net loans and leases to total assets | 80.0585% | 889 |
| Net loans and leases to deposits | 93.6425% | 1,232 |
| Net loans and leases to core deposits | 115.8413% | 626 |
| Total domestic deposits to total assets | 85.4937% | 2,835 |
| Equity capital to assets | 13.2520% | 1,153 |
| Core capital (leverage) ratio | 13.0113% | 1,128 |
| Tier 1 risk-based capital ratio | 26.1760% | 689 |
| Total risk-based capital ratio | 27.4261% | 661 |
| Memoranda: | ||
| Average total assets | $82,779,400 | 4,673 |
| Average earning assets | $74,218,800 | 4,716 |
| Average equity | $11,473,400 | 4,341 |
| Average total loans | $62,946,000 | 4,200 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0980% | 40 |
| Cost of funding earning assets | 0.6323% | 1,125 |
| Net interest margin | 7.4657% | 38 |
| Noninterest income to average assets | 1.8154% | 403 |
| Noninterest expense to average assets | 5.8931% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6093% | 141 |
| Return on assets (ROA) | 2.6093% | 144 |
| Pretax return on assets | 2.6093% | 186 |
| Return on Equity (ROE) | 18.6336% | 321 |
| Retained earnings to average equity (ytd only) | 11.4188% | 370 |
| Net charge-offs to loans | 0.2802% | 823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.4239% | 2,391 |
| Efficiency ratio | 69.3114% | 2,998 |
| Assets per employee ($millions) | 1.9919% | 5,863 |
| Cash dividends to net income (ytd only)* | 38.7198% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 5,585 |
| Loan loss allowance to noncurrent loans | 48.4211% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 4.9688% | 149 |
| Noncurrent loans to loans | 1.2668% | 1,772 |
| Net loans and leases to total assets | 76.7545% | 1,402 |
| Net loans and leases to deposits | 90.9696% | 1,638 |
| Net loans and leases to core deposits | 105.4618% | 1,238 |
| Total domestic deposits to total assets | 84.3739% | 3,072 |
| Equity capital to assets | 14.2603% | 942 |
| Core capital (leverage) ratio | 15.2007% | 597 |
| Tier 1 risk-based capital ratio | 28.6320% | 543 |
| Total risk-based capital ratio | 29.5831% | 549 |
| Memoranda: | ||
| Average total assets | $83,801,750 | 4,689 |
| Average earning assets | $75,061,750 | 4,742 |
| Average equity | $11,734,750 | 4,332 |
| Average total loans | $62,808,000 | 4,231 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8410% | 41 |
| Cost of funding earning assets | 0.6352% | 1,115 |
| Net interest margin | 7.2058% | 37 |
| Noninterest income to average assets | 2.2111% | 300 |
| Noninterest expense to average assets | 6.0111% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.6491% | 120 |
| Return on assets (ROA) | 2.6491% | 122 |
| Pretax return on assets | 2.6491% | 179 |
| Return on Equity (ROE) | 19.0234% | 294 |
| Retained earnings to average equity (ytd only) | 10.8084% | 460 |
| Net charge-offs to loans | 0.4016% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.8828% | 2,472 |
| Efficiency ratio | 69.4108% | 3,071 |
| Assets per employee ($millions) | 2.0329% | 5,932 |
| Cash dividends to net income (ytd only)* | 43.1838% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5994% | 5,682 |
| Loan loss allowance to noncurrent loans | 26.3830% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 4.9375% | 155 |
| Noncurrent loans to loans | 2.2721% | 810 |
| Net loans and leases to total assets | 75.8584% | 1,514 |
| Net loans and leases to deposits | 88.8538% | 1,882 |
| Net loans and leases to core deposits | 102.4515% | 1,439 |
| Total domestic deposits to total assets | 85.3743% | 2,699 |
| Equity capital to assets | 13.1819% | 1,401 |
| Core capital (leverage) ratio | 12.8950% | 1,193 |
| Tier 1 risk-based capital ratio | 27.0259% | 648 |
| Total risk-based capital ratio | 27.9638% | 656 |
| Memoranda: | ||
| Average total assets | $85,841,000 | 4,695 |
| Average earning assets | $76,827,000 | 4,735 |
| Average equity | $11,953,670 | 4,326 |
| Average total loans | $63,746,000 | 4,242 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5611% | 34 |
| Cost of funding earning assets | 0.6479% | 1,068 |
| Net interest margin | 7.9131% | 34 |
| Noninterest income to average assets | 1.2031% | 754 |
| Noninterest expense to average assets | 6.1246% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1202% | 269 |
| Return on assets (ROA) | 2.1202% | 280 |
| Pretax return on assets | 2.1202% | 444 |
| Return on Equity (ROE) | 14.8596% | 697 |
| Retained earnings to average equity (ytd only) | 9.7367% | 916 |
| Net charge-offs to loans | 0.5326% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.4302% | 2,329 |
| Efficiency ratio | 74.2841% | 2,429 |
| Assets per employee ($millions) | 1.9613% | 6,000 |
| Cash dividends to net income (ytd only)* | 34.4754% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 5,675 |
| Loan loss allowance to noncurrent loans | 22.4147% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 7.5135% | 81 |
| Noncurrent loans to loans | 2.8909% | 581 |
| Net loans and leases to total assets | 73.5556% | 1,806 |
| Net loans and leases to deposits | 87.7190% | 1,863 |
| Net loans and leases to core deposits | 99.9008% | 1,490 |
| Total domestic deposits to total assets | 83.8536% | 3,577 |
| Equity capital to assets | 14.7443% | 759 |
| Core capital (leverage) ratio | 15.8196% | 497 |
| Tier 1 risk-based capital ratio | 29.6320% | 521 |
| Total risk-based capital ratio | 30.5962% | 524 |
| Memoranda: | ||
| Average total assets | $88,103,500 | 4,692 |
| Average earning assets | $78,401,500 | 4,739 |
| Average equity | $12,571,000 | 4,230 |
| Average total loans | $64,590,500 | 4,248 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0439% | 56 |
| Cost of funding earning assets | 0.7153% | 762 |
| Net interest margin | 6.3286% | 59 |
| Noninterest income to average assets | 1.7601% | 431 |
| Noninterest expense to average assets | 6.0743% | 174 |
| Loan and lease loss provision to assets | 0.2624% | 709 |
| Net operating income to assets | 0.9805% | 2,463 |
| Return on assets (ROA) | 0.9805% | 2,539 |
| Pretax return on assets | 0.9805% | 3,541 |
| Return on Equity (ROE) | 7.1179% | 3,454 |
| Retained earnings to average equity (ytd only) | 0.5420% | 5,302 |
| Net charge-offs to loans | 0.2982% | 1,012 |
| Credit loss provision to net charge-offs | 125.1309% | 2,073 |
| Earnings coverage of net charge-offs (x) | 5.9267% | 3,306 |
| Efficiency ratio | 83.0132% | 1,274 |
| Assets per employee ($millions) | 2.0909% | 6,028 |
| Cash dividends to net income (ytd only)* | 92.3852% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 5,496 |
| Loan loss allowance to noncurrent loans | 13.3869% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 9.4985% | 58 |
| Noncurrent loans to loans | 5.7206% | 152 |
| Net loans and leases to total assets | 72.0618% | 2,039 |
| Net loans and leases to deposits | 84.8648% | 2,258 |
| Net loans and leases to core deposits | 97.2283% | 1,741 |
| Total domestic deposits to total assets | 84.9136% | 3,133 |
| Equity capital to assets | 13.8117% | 1,001 |
| Core capital (leverage) ratio | 13.6367% | 927 |
| Tier 1 risk-based capital ratio | 27.4237% | 631 |
| Total risk-based capital ratio | 28.5279% | 627 |
| Memoranda: | ||
| Average total assets | $91,071,800 | 4,648 |
| Average earning assets | $79,970,000 | 4,718 |
| Average equity | $12,545,800 | 4,212 |
| Average total loans | $64,041,200 | 4,260 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2936% | 53 |
| Cost of funding earning assets | 0.7239% | 741 |
| Net interest margin | 6.5698% | 54 |
| Noninterest income to average assets | 1.3966% | 638 |
| Noninterest expense to average assets | 5.7236% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4214% | 1,058 |
| Return on assets (ROA) | 1.4214% | 1,104 |
| Pretax return on assets | 1.4214% | 1,927 |
| Return on Equity (ROE) | 10.3248% | 1,959 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,933 |
| Net charge-offs to loans | 0.4226% | 606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.8217% | 3,296 |
| Efficiency ratio | 80.1062% | 1,648 |
| Assets per employee ($millions) | 2.0798% | 6,116 |
| Cash dividends to net income (ytd only)* | 65.5036% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4200% | 6,080 |
| Loan loss allowance to noncurrent loans | 16.5119% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 8.0364% | 82 |
| Noncurrent loans to loans | 2.5436% | 799 |
| Net loans and leases to total assets | 64.5150% | 3,227 |
| Net loans and leases to deposits | 75.9875% | 3,304 |
| Net loans and leases to core deposits | 83.4764% | 3,103 |
| Total domestic deposits to total assets | 84.9020% | 3,054 |
| Equity capital to assets | 13.8631% | 1,083 |
| Core capital (leverage) ratio | 13.7483% | 927 |
| Tier 1 risk-based capital ratio | 30.0694% | 522 |
| Total risk-based capital ratio | 30.6597% | 544 |
| Memoranda: | ||
| Average total assets | $91,362,500 | 4,692 |
| Average earning assets | $79,939,750 | 4,780 |
| Average equity | $12,577,750 | 4,255 |
| Average total loans | $63,729,000 | 4,315 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4800% | 48 |
| Cost of funding earning assets | 0.7217% | 752 |
| Net interest margin | 6.7584% | 49 |
| Noninterest income to average assets | 1.4521% | 606 |
| Noninterest expense to average assets | 5.7253% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6339% | 704 |
| Return on assets (ROA) | 1.6339% | 732 |
| Pretax return on assets | 1.6339% | 1,243 |
| Return on Equity (ROE) | 11.8963% | 1,402 |
| Retained earnings to average equity (ytd only) | 4.8478% | 2,959 |
| Net charge-offs to loans | 0.3956% | 657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.7829% | 2,887 |
| Efficiency ratio | 77.7976% | 2,100 |
| Assets per employee ($millions) | 2.0239% | 6,211 |
| Cash dividends to net income (ytd only)* | 59.2493% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 6,074 |
| Loan loss allowance to noncurrent loans | 17.0190% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 8.2460% | 86 |
| Noncurrent loans to loans | 3.0355% | 651 |
| Net loans and leases to total assets | 66.6037% | 2,849 |
| Net loans and leases to deposits | 78.0436% | 3,025 |
| Net loans and leases to core deposits | 85.5483% | 2,814 |
| Total domestic deposits to total assets | 85.3416% | 2,992 |
| Equity capital to assets | 13.5918% | 1,129 |
| Core capital (leverage) ratio | 13.8896% | 873 |
| Tier 1 risk-based capital ratio | 28.9864% | 593 |
| Total risk-based capital ratio | 29.7240% | 609 |
| Memoranda: | ||
| Average total assets | $91,313,670 | 4,742 |
| Average earning assets | $79,812,330 | 4,831 |
| Average equity | $12,541,670 | 4,282 |
| Average total loans | $65,210,000 | 4,303 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6861% | 43 |
| Cost of funding earning assets | 0.7320% | 722 |
| Net interest margin | 6.9540% | 46 |
| Noninterest income to average assets | 1.1148% | 913 |
| Noninterest expense to average assets | 4.8750% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.2915% | 203 |
| Return on assets (ROA) | 2.2915% | 216 |
| Pretax return on assets | 2.2915% | 330 |
| Return on Equity (ROE) | 16.5953% | 508 |
| Retained earnings to average equity (ytd only) | 8.6821% | 1,314 |
| Net charge-offs to loans | 0.1980% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.6970% | 1,611 |
| Efficiency ratio | 68.0247% | 3,819 |
| Assets per employee ($millions) | 1.8781% | 6,299 |
| Cash dividends to net income (ytd only)* | 47.6834% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6364% | 6,006 |
| Loan loss allowance to noncurrent loans | 21.4432% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 9.3070% | 76 |
| Noncurrent loans to loans | 2.9678% | 742 |
| Net loans and leases to total assets | 72.5704% | 1,720 |
| Net loans and leases to deposits | 85.4025% | 1,906 |
| Net loans and leases to core deposits | 92.3672% | 1,915 |
| Total domestic deposits to total assets | 84.9745% | 3,423 |
| Equity capital to assets | 14.0005% | 986 |
| Core capital (leverage) ratio | 14.0313% | 814 |
| Tier 1 risk-based capital ratio | 27.6455% | 670 |
| Total risk-based capital ratio | 28.5633% | 671 |
| Memoranda: | ||
| Average total assets | $90,420,500 | 4,801 |
| Average earning assets | $78,688,000 | 4,901 |
| Average equity | $12,485,500 | 4,323 |
| Average total loans | $66,650,000 | 4,283 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5999% | 85 |
| Cost of funding earning assets | 0.7613% | 798 |
| Net interest margin | 5.8387% | 92 |
| Noninterest income to average assets | 0.7881% | 1,917 |
| Noninterest expense to average assets | 5.4023% | 241 |
| Loan and lease loss provision to assets | 0.0083% | 4,457 |
| Net operating income to assets | 0.6231% | 4,258 |
| Return on assets (ROA) | 0.6231% | 4,368 |
| Pretax return on assets | 0.6231% | 4,861 |
| Return on Equity (ROE) | 4.8461% | 4,744 |
| Retained earnings to average equity (ytd only) | -2.3749% | 6,048 |
| Net charge-offs to loans | 0.4360% | 969 |
| Credit loss provision to net charge-offs | 2.6490% | 4,183 |
| Earnings coverage of net charge-offs (x) | 2.0265% | 4,269 |
| Efficiency ratio | 89.5367% | 878 |
| Assets per employee ($millions) | 1.7441% | 6,404 |
| Cash dividends to net income (ytd only)* | 149.0066% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6700% | 6,044 |
| Loan loss allowance to noncurrent loans | 20.5361% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 9.1461% | 97 |
| Noncurrent loans to loans | 3.2626% | 661 |
| Net loans and leases to total assets | 73.8847% | 1,601 |
| Net loans and leases to deposits | 86.5761% | 1,904 |
| Net loans and leases to core deposits | 93.4848% | 1,950 |
| Total domestic deposits to total assets | 85.3408% | 3,144 |
| Equity capital to assets | 13.6172% | 1,108 |
| Core capital (leverage) ratio | 13.6172% | 932 |
| Tier 1 risk-based capital ratio | 25.5572% | 794 |
| Total risk-based capital ratio | 26.4926% | 804 |
| Memoranda: | ||
| Average total assets | $96,939,800 | 4,678 |
| Average earning assets | $87,091,800 | 4,714 |
| Average equity | $12,463,600 | 4,279 |
| Average total loans | $69,258,400 | 4,209 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4410% | 96 |
| Cost of funding earning assets | 0.7697% | 797 |
| Net interest margin | 5.6712% | 107 |
| Noninterest income to average assets | 0.8812% | 1,586 |
| Noninterest expense to average assets | 5.2776% | 264 |
| Loan and lease loss provision to assets | 0.0108% | 4,202 |
| Net operating income to assets | 0.7188% | 3,843 |
| Return on assets (ROA) | 0.7188% | 3,950 |
| Pretax return on assets | 0.7188% | 4,637 |
| Return on Equity (ROE) | 5.6675% | 4,415 |
| Retained earnings to average equity (ytd only) | -2.4015% | 6,104 |
| Net charge-offs to loans | 0.4093% | 968 |
| Credit loss provision to net charge-offs | 3.7383% | 3,769 |
| Earnings coverage of net charge-offs (x) | 2.5187% | 3,893 |
| Efficiency ratio | 87.8549% | 1,016 |
| Assets per employee ($millions) | 1.8174% | 6,473 |
| Cash dividends to net income (ytd only)* | 142.3727% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 5,893 |
| Loan loss allowance to noncurrent loans | 21.8358% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 9.1847% | 109 |
| Noncurrent loans to loans | 3.6279% | 644 |
| Net loans and leases to total assets | 72.9628% | 1,689 |
| Net loans and leases to deposits | 85.3025% | 1,993 |
| Net loans and leases to core deposits | 91.9920% | 2,037 |
| Total domestic deposits to total assets | 85.5341% | 3,099 |
| Equity capital to assets | 13.4010% | 1,229 |
| Core capital (leverage) ratio | 13.4010% | 1,029 |
| Tier 1 risk-based capital ratio | 25.5529% | 823 |
| Total risk-based capital ratio | 26.6638% | 830 |
| Memoranda: | ||
| Average total assets | $98,501,250 | 4,680 |
| Average earning assets | $89,032,000 | 4,727 |
| Average equity | $12,492,000 | 4,302 |
| Average total loans | $69,707,750 | 4,232 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1996% | 117 |
| Cost of funding earning assets | 0.7908% | 753 |
| Net interest margin | 5.4088% | 149 |
| Noninterest income to average assets | 0.8503% | 1,663 |
| Noninterest expense to average assets | 5.2868% | 261 |
| Loan and lease loss provision to assets | 0.0159% | 3,940 |
| Net operating income to assets | 0.4779% | 4,902 |
| Return on assets (ROA) | 0.4779% | 4,971 |
| Pretax return on assets | 0.4779% | 5,339 |
| Return on Equity (ROE) | 3.8352% | 5,211 |
| Retained earnings to average equity (ytd only) | -5.6729% | 6,276 |
| Net charge-offs to loans | 0.3930% | 1,026 |
| Credit loss provision to net charge-offs | 5.7971% | 3,351 |
| Earnings coverage of net charge-offs (x) | 1.7971% | 3,709 |
| Efficiency ratio | 91.4571% | 801 |
| Assets per employee ($millions) | 1.7669% | 6,549 |
| Cash dividends to net income (ytd only)* | 247.9167% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 5,835 |
| Loan loss allowance to noncurrent loans | 13.5248% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 9.0979% | 113 |
| Noncurrent loans to loans | 6.3867% | 225 |
| Net loans and leases to total assets | 75.6161% | 1,218 |
| Net loans and leases to deposits | 87.9763% | 1,603 |
| Net loans and leases to core deposits | 94.6913% | 1,717 |
| Total domestic deposits to total assets | 85.9506% | 3,063 |
| Equity capital to assets | 13.1247% | 1,309 |
| Core capital (leverage) ratio | 13.1247% | 1,119 |
| Tier 1 risk-based capital ratio | 24.9108% | 879 |
| Total risk-based capital ratio | 26.1613% | 872 |
| Memoranda: | ||
| Average total assets | $100,439,330 | 4,673 |
| Average earning assets | $91,555,000 | 4,688 |
| Average equity | $12,515,670 | 4,316 |
| Average total loans | $70,221,330 | 4,227 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 159 |
| Cost of funding earning assets | 0.7935% | 770 |
| Net interest margin | 5.1263% | 213 |
| Noninterest income to average assets | 0.8128% | 1,702 |
| Noninterest expense to average assets | 4.9733% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5432% | 4,486 |
| Return on assets (ROA) | 0.5432% | 4,558 |
| Pretax return on assets | 0.5432% | 5,034 |
| Return on Equity (ROE) | 4.4663% | 4,810 |
| Retained earnings to average equity (ytd only) | -1.1403% | 5,751 |
| Net charge-offs to loans | 0.4539% | 799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.7848% | 3,020 |
| Efficiency ratio | 90.1536% | 1,022 |
| Assets per employee ($millions) | 1.9565% | 6,589 |
| Cash dividends to net income (ytd only)* | 125.5319% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 5,652 |
| Loan loss allowance to noncurrent loans | 10.4154% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 9.7204% | 118 |
| Noncurrent loans to loans | 9.2601% | 115 |
| Net loans and leases to total assets | 68.6410% | 2,121 |
| Net loans and leases to deposits | 79.0257% | 2,424 |
| Net loans and leases to core deposits | 86.6030% | 2,250 |
| Total domestic deposits to total assets | 86.8591% | 2,907 |
| Equity capital to assets | 12.6378% | 1,501 |
| Core capital (leverage) ratio | 12.6378% | 1,324 |
| Tier 1 risk-based capital ratio | 25.3045% | 859 |
| Total risk-based capital ratio | 26.5547% | 837 |
| Memoranda: | ||
| Average total assets | $103,835,000 | 4,634 |
| Average earning assets | $95,274,000 | 4,648 |
| Average equity | $12,628,000 | 4,321 |
| Average total loans | $69,617,000 | 4,272 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1957% | 126 |
| Cost of funding earning assets | 0.8688% | 870 |
| Net interest margin | 5.3270% | 179 |
| Noninterest income to average assets | 1.2715% | 854 |
| Noninterest expense to average assets | 5.0974% | 325 |
| Loan and lease loss provision to assets | 0.1552% | 2,337 |
| Net operating income to assets | 0.9336% | 2,627 |
| Return on assets (ROA) | 0.9336% | 2,708 |
| Pretax return on assets | 0.9336% | 3,625 |
| Return on Equity (ROE) | 8.1926% | 2,929 |
| Retained earnings to average equity (ytd only) | 0.2023% | 5,753 |
| Net charge-offs to loans | 0.5638% | 1,165 |
| Credit loss provision to net charge-offs | 40.6977% | 4,034 |
| Earnings coverage of net charge-offs (x) | 2.8558% | 4,048 |
| Efficiency ratio | 82.3993% | 1,823 |
| Assets per employee ($millions) | 1.8286% | 6,673 |
| Cash dividends to net income (ytd only)* | 97.5309% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,295 |
| Loan loss allowance to noncurrent loans | 11.7926% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 8.5837% | 168 |
| Noncurrent loans to loans | 9.0272% | 142 |
| Net loans and leases to total assets | 64.2608% | 2,999 |
| Net loans and leases to deposits | 73.1571% | 3,376 |
| Net loans and leases to core deposits | 81.4949% | 2,956 |
| Total domestic deposits to total assets | 87.8395% | 2,278 |
| Equity capital to assets | 11.7212% | 2,013 |
| Core capital (leverage) ratio | 11.7212% | 1,810 |
| Tier 1 risk-based capital ratio | 24.7766% | 871 |
| Total risk-based capital ratio | 26.0286% | 864 |
| Memoranda: | ||
| Average total assets | $112,783,200 | 4,440 |
| Average earning assets | $104,055,600 | 4,404 |
| Average equity | $12,853,000 | 4,293 |
| Average total loans | $76,271,800 | 4,050 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4034% | 102 |
| Cost of funding earning assets | 0.8811% | 902 |
| Net interest margin | 5.5223% | 127 |
| Noninterest income to average assets | 1.4046% | 742 |
| Noninterest expense to average assets | 4.9072% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5917% | 761 |
| Return on assets (ROA) | 1.5917% | 807 |
| Pretax return on assets | 1.5917% | 1,355 |
| Return on Equity (ROE) | 14.0616% | 983 |
| Retained earnings to average equity (ytd only) | 5.1349% | 2,981 |
| Net charge-offs to loans | 0.5791% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.0266% | 3,554 |
| Efficiency ratio | 75.5084% | 2,811 |
| Assets per employee ($millions) | 1.9424% | 6,720 |
| Cash dividends to net income (ytd only)* | 63.4827% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 5,965 |
| Loan loss allowance to noncurrent loans | 10.2882% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 9.0981% | 171 |
| Noncurrent loans to loans | 9.0877% | 168 |
| Net loans and leases to total assets | 63.5455% | 3,070 |
| Net loans and leases to deposits | 72.5841% | 3,447 |
| Net loans and leases to core deposits | 80.2782% | 3,103 |
| Total domestic deposits to total assets | 87.5474% | 2,385 |
| Equity capital to assets | 11.8474% | 2,016 |
| Core capital (leverage) ratio | 11.8474% | 1,775 |
| Tier 1 risk-based capital ratio | 25.0000% | 873 |
| Total risk-based capital ratio | 26.2503% | 862 |
| Memoranda: | ||
| Average total assets | $114,006,500 | 4,450 |
| Average earning assets | $105,170,000 | 4,424 |
| Average equity | $12,904,750 | 4,329 |
| Average total loans | $77,820,500 | 4,039 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6744% | 80 |
| Cost of funding earning assets | 0.8976% | 911 |
| Net interest margin | 5.7768% | 98 |
| Noninterest income to average assets | 1.7758% | 536 |
| Noninterest expense to average assets | 4.9156% | 381 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1945% | 262 |
| Return on assets (ROA) | 2.1945% | 279 |
| Pretax return on assets | 2.1945% | 420 |
| Return on Equity (ROE) | 19.6821% | 330 |
| Retained earnings to average equity (ytd only) | 8.7736% | 1,192 |
| Net charge-offs to loans | 0.5394% | 1,227 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.8472% | 2,818 |
| Efficiency ratio | 69.1349% | 3,987 |
| Assets per employee ($millions) | 1.9771% | 6,761 |
| Cash dividends to net income (ytd only)* | 55.4236% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 5,677 |
| Loan loss allowance to noncurrent loans | 14.3274% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 7.7191% | 282 |
| Noncurrent loans to loans | 7.2432% | 320 |
| Net loans and leases to total assets | 66.4259% | 2,514 |
| Net loans and leases to deposits | 75.7166% | 2,917 |
| Net loans and leases to core deposits | 83.3822% | 2,645 |
| Total domestic deposits to total assets | 87.7296% | 2,427 |
| Equity capital to assets | 11.6980% | 2,128 |
| Core capital (leverage) ratio | 11.6980% | 1,801 |
| Tier 1 risk-based capital ratio | 24.5439% | 928 |
| Total risk-based capital ratio | 25.7968% | 910 |
| Memoranda: | ||
| Average total assets | $115,103,330 | 4,462 |
| Average earning assets | $106,286,670 | 4,425 |
| Average equity | $12,834,000 | 4,368 |
| Average total loans | $80,087,670 | 3,980 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8846% | 69 |
| Cost of funding earning assets | 0.9117% | 935 |
| Net interest margin | 5.9728% | 80 |
| Noninterest income to average assets | 1.2828% | 925 |
| Noninterest expense to average assets | 4.6876% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1151% | 284 |
| Return on assets (ROA) | 2.1151% | 310 |
| Pretax return on assets | 2.1151% | 476 |
| Return on Equity (ROE) | 19.4320% | 327 |
| Retained earnings to average equity (ytd only) | 2.4961% | 4,777 |
| Net charge-offs to loans | 0.2138% | 2,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 13.9773% | 1,488 |
| Efficiency ratio | 68.9080% | 4,157 |
| Assets per employee ($millions) | 1.9873% | 6,841 |
| Cash dividends to net income (ytd only)* | 87.1545% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 5,238 |
| Loan loss allowance to noncurrent loans | 17.5435% | 6,400 |
| Noncurrent assets plus other real estate owned to assets | 7.2700% | 381 |
| Noncurrent loans to loans | 6.7615% | 454 |
| Net loans and leases to total assets | 67.9921% | 2,010 |
| Net loans and leases to deposits | 76.6959% | 2,523 |
| Net loans and leases to core deposits | 84.8943% | 2,226 |
| Total domestic deposits to total assets | 88.6515% | 1,899 |
| Equity capital to assets | 10.8308% | 3,167 |
| Core capital (leverage) ratio | 10.8308% | 2,425 |
| Tier 1 risk-based capital ratio | 21.4902% | 1,429 |
| Total risk-based capital ratio | 22.7442% | 1,402 |
| Memoranda: | ||
| Average total assets | $116,308,000 | 4,476 |
| Average earning assets | $107,486,500 | 4,434 |
| Average equity | $12,659,500 | 4,440 |
| Average total loans | $82,310,000 | 3,947 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5884% | 121 |
| Cost of funding earning assets | 0.9425% | 1,687 |
| Net interest margin | 5.6459% | 143 |
| Noninterest income to average assets | 1.3265% | 878 |
| Noninterest expense to average assets | 5.1244% | 353 |
| Loan and lease loss provision to assets | 0.2535% | 2,627 |
| Net operating income to assets | 1.1415% | 1,802 |
| Return on assets (ROA) | 1.1415% | 1,969 |
| Pretax return on assets | 1.1415% | 3,012 |
| Return on Equity (ROE) | 10.8122% | 1,870 |
| Retained earnings to average equity (ytd only) | 4.7298% | 2,896 |
| Net charge-offs to loans | 0.1606% | 4,101 |
| Credit loss provision to net charge-offs | 212.7660% | 1,196 |
| Earnings coverage of net charge-offs (x) | 11.7092% | 2,001 |
| Efficiency ratio | 78.6029% | 2,344 |
| Assets per employee ($millions) | 1.9554% | 6,914 |
| Cash dividends to net income (ytd only)* | 56.2546% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,146 |
| Loan loss allowance to noncurrent loans | 15.7094% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 8.5267% | 311 |
| Noncurrent loans to loans | 7.5909% | 398 |
| Net loans and leases to total assets | 71.8940% | 1,507 |
| Net loans and leases to deposits | 81.0194% | 2,144 |
| Net loans and leases to core deposits | 91.6132% | 1,665 |
| Total domestic deposits to total assets | 88.7368% | 1,741 |
| Equity capital to assets | 10.9390% | 3,027 |
| Core capital (leverage) ratio | 10.9390% | 2,307 |
| Tier 1 risk-based capital ratio | 21.2626% | 1,405 |
| Total risk-based capital ratio | 22.5178% | 1,380 |
| Memoranda: | ||
| Average total assets | $118,356,000 | 4,394 |
| Average earning assets | $108,858,600 | 4,373 |
| Average equity | $12,495,200 | 4,461 |
| Average total loans | $87,790,000 | 3,801 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6843% | 110 |
| Cost of funding earning assets | 0.9413% | 1,905 |
| Net interest margin | 5.7429% | 131 |
| Noninterest income to average assets | 1.5258% | 638 |
| Noninterest expense to average assets | 5.0577% | 351 |
| Loan and lease loss provision to assets | 0.1578% | 3,541 |
| Net operating income to assets | 1.5896% | 866 |
| Return on assets (ROA) | 1.5896% | 964 |
| Pretax return on assets | 1.5896% | 1,610 |
| Return on Equity (ROE) | 15.1901% | 867 |
| Retained earnings to average equity (ytd only) | 8.8787% | 1,275 |
| Net charge-offs to loans | -0.0496% | 6,707 |
| Credit loss provision to net charge-offs | -427.2727% | 6,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3214% | 2,930 |
| Assets per employee ($millions) | 1.9642% | 7,010 |
| Cash dividends to net income (ytd only)* | 41.5494% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,345 |
| Loan loss allowance to noncurrent loans | 28.0353% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 5.6598% | 739 |
| Noncurrent loans to loans | 4.2319% | 1,159 |
| Net loans and leases to total assets | 73.0185% | 1,387 |
| Net loans and leases to deposits | 82.4361% | 2,060 |
| Net loans and leases to core deposits | 92.3415% | 1,746 |
| Total domestic deposits to total assets | 88.5759% | 1,678 |
| Equity capital to assets | 11.0962% | 3,156 |
| Core capital (leverage) ratio | 11.0962% | 2,304 |
| Tier 1 risk-based capital ratio | 21.0190% | 1,520 |
| Total risk-based capital ratio | 22.2711% | 1,486 |
| Memoranda: | ||
| Average total assets | $119,103,250 | 4,420 |
| Average earning assets | $109,488,250 | 4,400 |
| Average equity | $12,464,000 | 4,512 |
| Average total loans | $88,751,750 | 3,823 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7024% | 109 |
| Cost of funding earning assets | 0.9440% | 2,097 |
| Net interest margin | 5.7584% | 123 |
| Noninterest income to average assets | 1.8506% | 448 |
| Noninterest expense to average assets | 5.0959% | 351 |
| Loan and lease loss provision to assets | 0.2047% | 3,023 |
| Net operating income to assets | 1.8390% | 526 |
| Return on assets (ROA) | 1.8390% | 593 |
| Pretax return on assets | 1.8390% | 966 |
| Return on Equity (ROE) | 17.9204% | 519 |
| Retained earnings to average equity (ytd only) | 10.9793% | 752 |
| Net charge-offs to loans | 0.3653% | 2,552 |
| Credit loss provision to net charge-offs | 75.0000% | 3,453 |
| Earnings coverage of net charge-offs (x) | 7.4878% | 2,473 |
| Efficiency ratio | 71.3753% | 3,539 |
| Assets per employee ($millions) | 1.9618% | 7,064 |
| Cash dividends to net income (ytd only)* | 38.7330% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 6,451 |
| Loan loss allowance to noncurrent loans | 20.5017% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 6.1747% | 681 |
| Noncurrent loans to loans | 4.3919% | 1,218 |
| Net loans and leases to total assets | 76.1659% | 947 |
| Net loans and leases to deposits | 85.8354% | 1,624 |
| Net loans and leases to core deposits | 95.8604% | 1,436 |
| Total domestic deposits to total assets | 88.7348% | 1,684 |
| Equity capital to assets | 10.9775% | 3,146 |
| Core capital (leverage) ratio | 10.9775% | 2,323 |
| Tier 1 risk-based capital ratio | 20.0480% | 1,693 |
| Total risk-based capital ratio | 21.3118% | 1,658 |
| Memoranda: | ||
| Average total assets | $120,175,330 | 4,419 |
| Average earning assets | $110,377,670 | 4,404 |
| Average equity | $12,332,330 | 4,538 |
| Average total loans | $89,790,670 | 3,811 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7325% | 125 |
| Cost of funding earning assets | 0.9648% | 2,197 |
| Net interest margin | 5.7676% | 126 |
| Noninterest income to average assets | 1.6766% | 525 |
| Noninterest expense to average assets | 4.9481% | 380 |
| Loan and lease loss provision to assets | 0.4020% | 1,572 |
| Net operating income to assets | 1.6210% | 831 |
| Return on assets (ROA) | 1.6210% | 930 |
| Pretax return on assets | 1.6210% | 1,502 |
| Return on Equity (ROE) | 16.3353% | 760 |
| Retained earnings to average equity (ytd only) | 7.7066% | 2,088 |
| Net charge-offs to loans | 0.5454% | 1,724 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 5.0325% | 2,454 |
| Efficiency ratio | 70.9798% | 3,625 |
| Assets per employee ($millions) | 1.8244% | 7,166 |
| Cash dividends to net income (ytd only)* | 52.8226% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 6,480 |
| Loan loss allowance to noncurrent loans | 19.8491% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 6.2901% | 724 |
| Noncurrent loans to loans | 4.6753% | 1,222 |
| Net loans and leases to total assets | 75.8036% | 822 |
| Net loans and leases to deposits | 84.9744% | 1,539 |
| Net loans and leases to core deposits | 94.5803% | 1,405 |
| Total domestic deposits to total assets | 89.2077% | 1,556 |
| Equity capital to assets | 10.3403% | 3,684 |
| Core capital (leverage) ratio | 10.3403% | 2,941 |
| Tier 1 risk-based capital ratio | 18.6304% | 2,100 |
| Total risk-based capital ratio | 19.8946% | 2,063 |
| Memoranda: | ||
| Average total assets | $122,390,000 | 4,398 |
| Average earning assets | $112,351,000 | 4,370 |
| Average equity | $12,145,500 | 4,579 |
| Average total loans | $90,206,000 | 3,827 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3711% | 225 |
| Cost of funding earning assets | 1.3992% | 1,044 |
| Net interest margin | 4.9719% | 433 |
| Noninterest income to average assets | 1.4839% | 592 |
| Noninterest expense to average assets | 5.1905% | 337 |
| Loan and lease loss provision to assets | 0.6970% | 1,469 |
| Net operating income to assets | 0.2223% | 5,519 |
| Return on assets (ROA) | 0.2223% | 5,659 |
| Pretax return on assets | 0.2223% | 5,734 |
| Return on Equity (ROE) | 2.4693% | 5,483 |
| Retained earnings to average equity (ytd only) | -2.6155% | 6,229 |
| Net charge-offs to loans | 0.6288% | 2,573 |
| Credit loss provision to net charge-offs | 159.8993% | 1,729 |
| Earnings coverage of net charge-offs (x) | 2.1091% | 4,199 |
| Efficiency ratio | 84.9533% | 1,669 |
| Assets per employee ($millions) | 1.9415% | 7,177 |
| Cash dividends to net income (ytd only)* | 205.9211% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 6,432 |
| Loan loss allowance to noncurrent loans | 17.0583% | 6,694 |
| Noncurrent assets plus other real estate owned to assets | 6.4590% | 733 |
| Noncurrent loans to loans | 5.5041% | 959 |
| Net loans and leases to total assets | 70.3961% | 1,950 |
| Net loans and leases to deposits | 77.9429% | 2,851 |
| Net loans and leases to core deposits | 85.1533% | 2,732 |
| Total domestic deposits to total assets | 90.3174% | 803 |
| Equity capital to assets | 9.5320% | 4,829 |
| Core capital (leverage) ratio | 9.5320% | 3,972 |
| Tier 1 risk-based capital ratio | 17.9781% | 2,192 |
| Total risk-based capital ratio | 19.2276% | 2,173 |
| Memoranda: | ||
| Average total assets | $136,730,800 | 4,037 |
| Average earning assets | $127,215,000 | 3,990 |
| Average equity | $12,311,400 | 4,474 |
| Average total loans | $94,783,000 | 3,749 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4560% | 209 |
| Cost of funding earning assets | 1.5173% | 807 |
| Net interest margin | 4.9387% | 467 |
| Noninterest income to average assets | 1.6006% | 517 |
| Noninterest expense to average assets | 5.1882% | 316 |
| Loan and lease loss provision to assets | 0.5176% | 1,916 |
| Net operating income to assets | 0.5004% | 4,552 |
| Return on assets (ROA) | 0.5004% | 4,733 |
| Pretax return on assets | 0.5004% | 5,158 |
| Return on Equity (ROE) | 5.6317% | 4,218 |
| Retained earnings to average equity (ytd only) | 0.2261% | 5,891 |
| Net charge-offs to loans | 0.7509% | 2,062 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 1.9667% | 4,179 |
| Efficiency ratio | 83.5980% | 1,770 |
| Assets per employee ($millions) | 1.9928% | 7,243 |
| Cash dividends to net income (ytd only)* | 95.9846% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 6,579 |
| Loan loss allowance to noncurrent loans | 30.4741% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 4.8083% | 1,214 |
| Noncurrent loans to loans | 2.9753% | 2,329 |
| Net loans and leases to total assets | 69.9670% | 2,087 |
| Net loans and leases to deposits | 77.5020% | 3,084 |
| Net loans and leases to core deposits | 84.7169% | 2,952 |
| Total domestic deposits to total assets | 90.2777% | 732 |
| Equity capital to assets | 9.4068% | 5,233 |
| Core capital (leverage) ratio | 9.4068% | 4,294 |
| Tier 1 risk-based capital ratio | 17.5871% | 2,401 |
| Total risk-based capital ratio | 18.7840% | 2,402 |
| Memoranda: | ||
| Average total assets | $139,364,500 | 4,015 |
| Average earning assets | $129,962,750 | 3,957 |
| Average equity | $12,382,000 | 4,473 |
| Average total loans | $96,059,000 | 3,756 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3622% | 254 |
| Cost of funding earning assets | 1.6274% | 625 |
| Net interest margin | 4.7348% | 680 |
| Noninterest income to average assets | 1.7158% | 456 |
| Noninterest expense to average assets | 5.2628% | 303 |
| Loan and lease loss provision to assets | 0.6057% | 1,588 |
| Net operating income to assets | 0.2817% | 5,441 |
| Return on assets (ROA) | 0.2817% | 5,571 |
| Pretax return on assets | 0.2817% | 5,706 |
| Return on Equity (ROE) | 3.2296% | 5,290 |
| Retained earnings to average equity (ytd only) | -2.2607% | 6,287 |
| Net charge-offs to loans | 0.8855% | 1,754 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 1.4651% | 4,185 |
| Efficiency ratio | 85.5703% | 1,641 |
| Assets per employee ($millions) | 1.8653% | 7,342 |
| Cash dividends to net income (ytd only)* | 170.0000% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,710 |
| Loan loss allowance to noncurrent loans | 24.6559% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 3.3658% | 1,962 |
| Noncurrent loans to loans | 3.5738% | 1,976 |
| Net loans and leases to total assets | 65.0978% | 3,234 |
| Net loans and leases to deposits | 71.2988% | 4,231 |
| Net loans and leases to core deposits | 78.8974% | 3,948 |
| Total domestic deposits to total assets | 91.3028% | 393 |
| Equity capital to assets | 8.3927% | 6,313 |
| Core capital (leverage) ratio | 8.3927% | 5,721 |
| Tier 1 risk-based capital ratio | 16.6594% | 2,666 |
| Total risk-based capital ratio | 17.8081% | 2,671 |
| Memoranda: | ||
| Average total assets | $141,978,670 | 3,993 |
| Average earning assets | $132,973,670 | 3,925 |
| Average equity | $12,385,330 | 4,454 |
| Average total loans | $97,124,000 | 3,760 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7819% | 144 |
| Cost of funding earning assets | 1.7130% | 522 |
| Net interest margin | 5.0689% | 328 |
| Noninterest income to average assets | 1.6403% | 499 |
| Noninterest expense to average assets | 5.4314% | 271 |
| Loan and lease loss provision to assets | -0.2539% | 7,516 |
| Net operating income to assets | 1.1981% | 1,529 |
| Return on assets (ROA) | 1.1981% | 1,575 |
| Pretax return on assets | 1.1981% | 2,377 |
| Return on Equity (ROE) | 13.4696% | 1,096 |
| Retained earnings to average equity (ytd only) | 7.7931% | 1,810 |
| Net charge-offs to loans | -0.3636% | 7,373 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1902% | 1,812 |
| Assets per employee ($millions) | 1.8046% | 7,418 |
| Cash dividends to net income (ytd only)* | 42.1429% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,727 |
| Loan loss allowance to noncurrent loans | 25.1193% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 3.8641% | 1,730 |
| Noncurrent loans to loans | 3.5370% | 2,104 |
| Net loans and leases to total assets | 65.8834% | 3,042 |
| Net loans and leases to deposits | 72.4792% | 3,988 |
| Net loans and leases to core deposits | 81.4386% | 3,534 |
| Total domestic deposits to total assets | 90.8997% | 675 |
| Equity capital to assets | 8.8337% | 5,440 |
| Core capital (leverage) ratio | 8.8337% | 4,877 |
| Tier 1 risk-based capital ratio | 17.2487% | 2,394 |
| Total risk-based capital ratio | 18.4020% | 2,394 |
| Memoranda: | ||
| Average total assets | $140,220,500 | 4,063 |
| Average earning assets | $130,995,000 | 4,004 |
| Average equity | $12,472,500 | 4,453 |
| Average total loans | $97,908,000 | 3,780 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6563% | 71 |
| Cost of funding earning assets | 1.7708% | 1,295 |
| Net interest margin | 5.8855% | 108 |
| Noninterest income to average assets | 3.1362% | 220 |
| Noninterest expense to average assets | 6.7570% | 171 |
| Loan and lease loss provision to assets | 2.0760% | 623 |
| Net operating income to assets | -0.2649% | 6,182 |
| Return on assets (ROA) | -0.2649% | 6,229 |
| Pretax return on assets | -0.2649% | 6,135 |
| Return on Equity (ROE) | -2.6891% | 6,246 |
| Retained earnings to average equity (ytd only) | -8.8430% | 6,584 |
| Net charge-offs to loans | 2.1379% | 919 |
| Credit loss provision to net charge-offs | 118.3326% | 3,599 |
| Earnings coverage of net charge-offs (x) | 1.0324% | 5,080 |
| Efficiency ratio | 78.8620% | 2,554 |
| Assets per employee ($millions) | 1.6611% | 7,524 |
| Cash dividends to net income (ytd only)* | -228.8462% | 7,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8323% | 6,897 |
| Loan loss allowance to noncurrent loans | 22.1316% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 4.4446% | 1,499 |
| Noncurrent loans to loans | 3.7607% | 1,970 |
| Net loans and leases to total assets | 72.6787% | 1,951 |
| Net loans and leases to deposits | 80.1897% | 3,136 |
| Net loans and leases to core deposits | 89.9280% | 2,775 |
| Total domestic deposits to total assets | 90.6335% | 777 |
| Equity capital to assets | 8.9582% | 5,202 |
| Core capital (leverage) ratio | 8.9582% | 4,608 |
| Tier 1 risk-based capital ratio | 16.1626% | 2,664 |
| Total risk-based capital ratio | 17.2632% | 2,702 |
| Memoranda: | ||
| Average total assets | $137,427,000 | 4,108 |
| Average earning assets | $126,837,200 | 4,085 |
| Average equity | $13,536,200 | 4,253 |
| Average total loans | $112,773,200 | 3,475 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6646% | 76 |
| Cost of funding earning assets | 1.7695% | 1,553 |
| Net interest margin | 5.8952% | 104 |
| Noninterest income to average assets | 2.8013% | 235 |
| Noninterest expense to average assets | 6.5997% | 176 |
| Loan and lease loss provision to assets | 0.8642% | 1,759 |
| Net operating income to assets | 0.7622% | 3,171 |
| Return on assets (ROA) | 0.7622% | 3,325 |
| Pretax return on assets | 0.7622% | 4,043 |
| Return on Equity (ROE) | 7.5665% | 3,076 |
| Retained earnings to average equity (ytd only) | 1.1181% | 5,371 |
| Net charge-offs to loans | 0.4759% | 3,373 |
| Credit loss provision to net charge-offs | 215.4964% | 1,619 |
| Earnings coverage of net charge-offs (x) | 4.0557% | 3,203 |
| Efficiency ratio | 80.2290% | 2,305 |
| Assets per employee ($millions) | 1.5182% | 7,649 |
| Cash dividends to net income (ytd only)* | 85.2232% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 5,083 |
| Loan loss allowance to noncurrent loans | 31.6301% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 6.2233% | 941 |
| Noncurrent loans to loans | 4.0301% | 1,857 |
| Net loans and leases to total assets | 82.0311% | 490 |
| Net loans and leases to deposits | 92.0389% | 1,439 |
| Net loans and leases to core deposits | 104.0346% | 1,482 |
| Total domestic deposits to total assets | 89.1266% | 1,325 |
| Equity capital to assets | 10.3449% | 3,706 |
| Core capital (leverage) ratio | 10.3449% | 2,862 |
| Tier 1 risk-based capital ratio | 16.5020% | 2,556 |
| Total risk-based capital ratio | 17.7520% | 2,510 |
| Memoranda: | ||
| Average total assets | $137,315,250 | 4,156 |
| Average earning assets | $126,360,500 | 4,150 |
| Average equity | $13,832,500 | 4,242 |
| Average total loans | $115,705,000 | 3,459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6483% | 81 |
| Cost of funding earning assets | 1.7400% | 1,919 |
| Net interest margin | 5.9084% | 105 |
| Noninterest income to average assets | 2.7528% | 241 |
| Noninterest expense to average assets | 6.4577% | 179 |
| Loan and lease loss provision to assets | 0.1266% | 5,619 |
| Net operating income to assets | 1.6238% | 687 |
| Return on assets (ROA) | 1.6238% | 741 |
| Pretax return on assets | 1.6238% | 1,236 |
| Return on Equity (ROE) | 16.2579% | 672 |
| Retained earnings to average equity (ytd only) | 11.9378% | 503 |
| Net charge-offs to loans | 0.3110% | 3,764 |
| Credit loss provision to net charge-offs | 48.0874% | 5,457 |
| Earnings coverage of net charge-offs (x) | 6.6503% | 2,426 |
| Efficiency ratio | 78.6753% | 2,630 |
| Assets per employee ($millions) | 1.6562% | 7,691 |
| Cash dividends to net income (ytd only)* | 26.5722% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 7,226 |
| Loan loss allowance to noncurrent loans | 21.7003% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 4.5597% | 1,447 |
| Noncurrent loans to loans | 3.2709% | 2,453 |
| Net loans and leases to total assets | 82.1761% | 512 |
| Net loans and leases to deposits | 102.5086% | 567 |
| Net loans and leases to core deposits | 116.3388% | 833 |
| Total domestic deposits to total assets | 80.1651% | 5,680 |
| Equity capital to assets | 10.2126% | 3,750 |
| Core capital (leverage) ratio | 10.2126% | 2,926 |
| Tier 1 risk-based capital ratio | 16.8268% | 2,351 |
| Total risk-based capital ratio | 17.7947% | 2,406 |
| Memoranda: | ||
| Average total assets | $139,059,000 | 4,156 |
| Average earning assets | $128,394,000 | 4,126 |
| Average equity | $13,888,670 | 4,222 |
| Average total loans | $117,690,330 | 3,439 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5900% | 95 |
| Cost of funding earning assets | 1.7547% | 2,105 |
| Net interest margin | 5.8354% | 124 |
| Noninterest income to average assets | 2.0810% | 326 |
| Noninterest expense to average assets | 6.1187% | 210 |
| Loan and lease loss provision to assets | 0.2229% | 4,268 |
| Net operating income to assets | 1.1491% | 1,678 |
| Return on assets (ROA) | 1.1491% | 1,761 |
| Pretax return on assets | 1.1491% | 2,555 |
| Return on Equity (ROE) | 11.6384% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.7133% | 2,263 |
| Net charge-offs to loans | 0.4599% | 2,669 |
| Credit loss provision to net charge-offs | 56.6176% | 4,373 |
| Earnings coverage of net charge-offs (x) | 3.4853% | 2,893 |
| Efficiency ratio | 81.6847% | 2,318 |
| Assets per employee ($millions) | 1.7288% | 7,774 |
| Cash dividends to net income (ytd only)* | 42.3174% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 7,248 |
| Loan loss allowance to noncurrent loans | 27.4809% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 3.6221% | 1,934 |
| Noncurrent loans to loans | 2.7201% | 2,937 |
| Net loans and leases to total assets | 83.9939% | 372 |
| Net loans and leases to deposits | 108.1715% | 338 |
| Net loans and leases to core deposits | 121.2126% | 736 |
| Total domestic deposits to total assets | 77.6488% | 6,413 |
| Equity capital to assets | 10.0740% | 3,775 |
| Core capital (leverage) ratio | 10.0740% | 3,070 |
| Tier 1 risk-based capital ratio | 16.5745% | 2,419 |
| Total risk-based capital ratio | 17.6153% | 2,455 |
| Memoranda: | ||
| Average total assets | $138,200,000 | 4,227 |
| Average earning assets | $128,115,500 | 4,190 |
| Average equity | $13,644,500 | 4,319 |
| Average total loans | $118,279,500 | 3,487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5234% | 130 |
| Cost of funding earning assets | 2.9502% | 262 |
| Net interest margin | 4.5733% | 1,032 |
| Noninterest income to average assets | 2.8236% | 238 |
| Noninterest expense to average assets | 6.1266% | 292 |
| Loan and lease loss provision to assets | 0.7485% | 2,867 |
| Net operating income to assets | 0.1746% | 4,982 |
| Return on assets (ROA) | 0.1746% | 5,052 |
| Pretax return on assets | 0.1746% | 5,064 |
| Return on Equity (ROE) | 1.9920% | 4,910 |
| Retained earnings to average equity (ytd only) | 0.6391% | 4,548 |
| Net charge-offs to loans | 0.2215% | 5,238 |
| Credit loss provision to net charge-offs | 398.8372% | 796 |
| Earnings coverage of net charge-offs (x) | 4.9186% | 2,754 |
| Efficiency ratio | 86.9067% | 2,005 |
| Assets per employee ($millions) | 1.7262% | 7,847 |
| Cash dividends to net income (ytd only)* | 67.9167% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 7,222 |
| Loan loss allowance to noncurrent loans | 24.6857% | 6,818 |
| Noncurrent assets plus other real estate owned to assets | 3.9765% | 1,663 |
| Noncurrent loans to loans | 3.0907% | 2,472 |
| Net loans and leases to total assets | 85.8626% | 289 |
| Net loans and leases to deposits | 120.0144% | 175 |
| Net loans and leases to core deposits | 143.4029% | 694 |
| Total domestic deposits to total assets | 71.5436% | 7,285 |
| Equity capital to assets | 9.6767% | 4,170 |
| Core capital (leverage) ratio | 9.6767% | 3,491 |
| Tier 1 risk-based capital ratio | 15.7963% | 2,606 |
| Total risk-based capital ratio | 16.8739% | 2,614 |
| Memoranda: | ||
| Average total assets | $137,483,400 | 4,175 |
| Average earning assets | $127,042,800 | 4,153 |
| Average equity | $12,048,000 | 4,736 |
| Average total loans | $116,457,000 | 3,560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4718% | 152 |
| Cost of funding earning assets | 3.2485% | 163 |
| Net interest margin | 4.2233% | 1,961 |
| Noninterest income to average assets | 2.6432% | 253 |
| Noninterest expense to average assets | 5.8407% | 326 |
| Loan and lease loss provision to assets | 0.4762% | 3,528 |
| Net operating income to assets | 0.2250% | 5,078 |
| Return on assets (ROA) | 0.2250% | 5,155 |
| Pretax return on assets | 0.2250% | 5,243 |
| Return on Equity (ROE) | 2.6375% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.7469% | 4,335 |
| Net charge-offs to loans | 0.2555% | 4,455 |
| Credit loss provision to net charge-offs | 221.2670% | 1,980 |
| Earnings coverage of net charge-offs (x) | 3.2579% | 3,610 |
| Efficiency ratio | 89.2809% | 1,754 |
| Assets per employee ($millions) | 1.7739% | 7,912 |
| Cash dividends to net income (ytd only)* | 33.7673% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4205% | 7,803 |
| Loan loss allowance to noncurrent loans | 20.5160% | 7,068 |
| Noncurrent assets plus other real estate owned to assets | 3.3760% | 1,989 |
| Noncurrent loans to loans | 2.0494% | 3,566 |
| Net loans and leases to total assets | 83.6103% | 589 |
| Net loans and leases to deposits | 93.1043% | 2,043 |
| Net loans and leases to core deposits | 104.5696% | 3,865 |
| Total domestic deposits to total assets | 89.8028% | 844 |
| Equity capital to assets | 9.5876% | 4,634 |
| Core capital (leverage) ratio | 9.5876% | 3,801 |
| Tier 1 risk-based capital ratio | 16.3138% | 2,511 |
| Total risk-based capital ratio | 16.9145% | 2,689 |
| Memoranda: | ||
| Average total assets | $136,899,000 | 4,214 |
| Average earning assets | $126,373,750 | 4,201 |
| Average equity | $11,677,500 | 4,873 |
| Average total loans | $115,327,000 | 3,610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5923% | 139 |
| Cost of funding earning assets | 3.2548% | 230 |
| Net interest margin | 4.3375% | 1,555 |
| Noninterest income to average assets | 2.6888% | 240 |
| Noninterest expense to average assets | 5.7621% | 345 |
| Loan and lease loss provision to assets | 0.7055% | 2,314 |
| Net operating income to assets | 0.2026% | 5,253 |
| Return on assets (ROA) | 0.2026% | 5,333 |
| Pretax return on assets | 0.2026% | 5,462 |
| Return on Equity (ROE) | 2.4831% | 5,113 |
| Retained earnings to average equity (ytd only) | 1.6856% | 4,402 |
| Net charge-offs to loans | 0.3209% | 3,577 |
| Credit loss provision to net charge-offs | 260.6557% | 1,788 |
| Earnings coverage of net charge-offs (x) | 3.3552% | 3,463 |
| Efficiency ratio | 86.3858% | 2,188 |
| Assets per employee ($millions) | 1.7540% | 8,002 |
| Cash dividends to net income (ytd only)* | 32.1168% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4629% | 7,829 |
| Loan loss allowance to noncurrent loans | 18.2606% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 3.3271% | 1,875 |
| Noncurrent loans to loans | 2.5349% | 2,853 |
| Net loans and leases to total assets | 79.7636% | 1,351 |
| Net loans and leases to deposits | 96.0903% | 1,781 |
| Net loans and leases to core deposits | 105.3236% | 3,918 |
| Total domestic deposits to total assets | 83.0091% | 4,231 |
| Equity capital to assets | 7.8148% | 6,963 |
| Core capital (leverage) ratio | 7.8148% | 6,596 |
| Tier 1 risk-based capital ratio | 13.6327% | 3,737 |
| Total risk-based capital ratio | 14.2798% | 4,047 |
| Memoranda: | ||
| Average total assets | $135,228,000 | 4,276 |
| Average earning assets | $124,125,670 | 4,267 |
| Average equity | $11,034,670 | 5,079 |
| Average total loans | $114,051,330 | 3,671 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9484% | 97 |
| Cost of funding earning assets | 3.3754% | 215 |
| Net interest margin | 4.5730% | 988 |
| Noninterest income to average assets | 2.0303% | 358 |
| Noninterest expense to average assets | 5.3382% | 393 |
| Loan and lease loss provision to assets | 1.2534% | 1,021 |
| Net operating income to assets | -0.4127% | 6,794 |
| Return on assets (ROA) | -0.4127% | 6,864 |
| Pretax return on assets | -0.4127% | 6,751 |
| Return on Equity (ROE) | -4.9452% | 6,972 |
| Retained earnings to average equity (ytd only) | -4.9452% | 6,543 |
| Net charge-offs to loans | -0.0701% | 7,795 |
| Credit loss provision to net charge-offs | -2,065.0000% | 6,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3949% | 2,028 |
| Assets per employee ($millions) | 1.7182% | 8,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5796% | 7,699 |
| Loan loss allowance to noncurrent loans | 49.0427% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 2.1886% | 2,612 |
| Noncurrent loans to loans | 1.1819% | 4,612 |
| Net loans and leases to total assets | 87.4777% | 304 |
| Net loans and leases to deposits | 106.9098% | 799 |
| Net loans and leases to core deposits | 115.5553% | 2,842 |
| Total domestic deposits to total assets | 81.8238% | 4,625 |
| Equity capital to assets | 8.3273% | 6,350 |
| Core capital (leverage) ratio | 8.3273% | 5,854 |
| Tier 1 risk-based capital ratio | 13.5004% | 3,862 |
| Total risk-based capital ratio | 14.3272% | 4,049 |
| Memoranda: | ||
| Average total assets | $131,804,000 | 4,377 |
| Average earning assets | $119,570,500 | 4,395 |
| Average equity | $11,000,500 | 5,110 |
| Average total loans | $114,151,000 | 3,694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4632% | 107 |
| Cost of funding earning assets | 3.6330% | 337 |
| Net interest margin | 4.8302% | 733 |
| Noninterest income to average assets | 3.0055% | 198 |
| Noninterest expense to average assets | 6.3629% | 350 |
| Loan and lease loss provision to assets | 0.0470% | 6,832 |
| Net operating income to assets | 0.9435% | 2,820 |
| Return on assets (ROA) | 0.9435% | 2,679 |
| Pretax return on assets | 0.9435% | 3,576 |
| Return on Equity (ROE) | 10.1795% | 2,192 |
| Retained earnings to average equity (ytd only) | 10.1795% | 425 |
| Net charge-offs to loans | 0.1227% | 5,016 |
| Credit loss provision to net charge-offs | 43.5484% | 6,424 |
| Earnings coverage of net charge-offs (x) | 9.1694% | 2,742 |
| Efficiency ratio | 86.5300% | 1,801 |
| Assets per employee ($millions) | 1.7737% | 8,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2055% | 8,158 |
| Loan loss allowance to noncurrent loans | 15.6797% | 7,374 |
| Noncurrent assets plus other real estate owned to assets | 2.2778% | 2,136 |
| Noncurrent loans to loans | 1.3103% | 3,890 |
| Net loans and leases to total assets | 85.0757% | 727 |
| Net loans and leases to deposits | 110.2471% | 813 |
| Net loans and leases to core deposits | 119.9148% | 2,695 |
| Total domestic deposits to total assets | 77.1682% | 5,949 |
| Equity capital to assets | 8.3646% | 6,316 |
| Core capital (leverage) ratio | 8.3646% | 5,827 |
| Tier 1 risk-based capital ratio | 14.2575% | 3,421 |
| Total risk-based capital ratio | 14.5561% | 3,835 |
| Memoranda: | ||
| Average total assets | $114,790,800 | 4,647 |
| Average earning assets | $103,329,800 | 4,702 |
| Average equity | $10,639,000 | 5,229 |
| Average total loans | $101,087,200 | 3,916 |