Home > Granite Mountain Bank Inc dba Granite Mountain Bank > Performance and Condition Ratios
Granite Mountain Bank Inc dba Granite Mountain Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 2,875 |
| Cost of funding earning assets | 0.0618% | 4,567 |
| Net interest margin | 4.2095% | 938 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.5177% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2291% | 1,857 |
| Return on assets (ROA) | 1.2388% | 1,798 |
| Pretax return on assets | 1.8151% | 1,042 |
| Return on Equity (ROE) | 16.0900% | 1,340 |
| Retained earnings to average equity (ytd only) | 16.0905% | 683 |
| Net charge-offs to loans | -0.0280% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.2739% | 3,169 |
| Assets per employee ($millions) | 6.8651% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,354 |
| Loan loss allowance to noncurrent loans | 328.3505% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 2,475 |
| Noncurrent loans to loans | 0.4494% | 1,597 |
| Net loans and leases to total assets | 32.6000% | 4,309 |
| Net loans and leases to deposits | 35.9451% | 4,329 |
| Net loans and leases to core deposits | 35.9451% | 4,368 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 7.8958% | 3,317 |
| Core capital (leverage) ratio | 8.6116% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6841% | 322 |
| Memoranda: | ||
| Average total assets | $129,799,500 | 3,621 |
| Average earning assets | $122,960,000 | 3,573 |
| Average equity | $9,993,500 | 3,786 |
| Average total loans | $42,885,000 | 4,020 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4348% | 4,485 |
| Cost of funding earning assets | 0.0135% | 4,671 |
| Net interest margin | 2.4213% | 4,299 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 1.8227% | 3,938 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3026% | 1,345 |
| Return on assets (ROA) | 1.2987% | 1,321 |
| Pretax return on assets | 1.7339% | 841 |
| Return on Equity (ROE) | 19.2700% | 506 |
| Retained earnings to average equity (ytd only) | 19.2673% | 124 |
| Net charge-offs to loans | -0.0216% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.1776% | 4,070 |
| Assets per employee ($millions) | 7.0789% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,489 |
| Loan loss allowance to noncurrent loans | 177.7465% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 1,898 |
| Noncurrent loans to loans | 0.8078% | 991 |
| Net loans and leases to total assets | 32.2000% | 4,366 |
| Net loans and leases to deposits | 35.0809% | 4,392 |
| Net loans and leases to core deposits | 35.0809% | 4,420 |
| Total domestic deposits to total assets | 91.8000% | 941 |
| Equity capital to assets | 7.0067% | 3,517 |
| Core capital (leverage) ratio | 7.7502% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7147% | 396 |
| Memoranda: | ||
| Average total assets | $135,105,250 | 3,606 |
| Average earning assets | $128,469,750 | 3,565 |
| Average equity | $9,106,750 | 4,023 |
| Average total loans | $43,245,000 | 4,031 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1029% | 4,598 |
| Cost of funding earning assets | 0.0140% | 4,737 |
| Net interest margin | 2.0890% | 4,516 |
| Noninterest income to average assets | 1.7117% | 281 |
| Noninterest expense to average assets | 1.7870% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4367% | 821 |
| Return on assets (ROA) | 1.4308% | 819 |
| Pretax return on assets | 1.9053% | 463 |
| Return on Equity (ROE) | 21.5087% | 218 |
| Retained earnings to average equity (ytd only) | 21.5087% | 54 |
| Net charge-offs to loans | -0.0279% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3020% | 4,336 |
| Assets per employee ($millions) | 7.6092% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,523 |
| Loan loss allowance to noncurrent loans | 276.3158% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 2,534 |
| Noncurrent loans to loans | 0.5282% | 1,568 |
| Net loans and leases to total assets | 31.0559% | 4,424 |
| Net loans and leases to deposits | 33.7234% | 4,452 |
| Net loans and leases to core deposits | 33.8307% | 4,482 |
| Total domestic deposits to total assets | 92.0900% | 801 |
| Equity capital to assets | 6.7900% | 3,883 |
| Core capital (leverage) ratio | 7.5657% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7838% | 376 |
| Memoranda: | ||
| Average total assets | $135,307,333 | 3,644 |
| Average earning assets | $128,772,667 | 3,608 |
| Average equity | $9,001,000 | 4,104 |
| Average total loans | $43,012,000 | 4,087 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9112% | 4,637 |
| Cost of funding earning assets | 0.0156% | 4,745 |
| Net interest margin | 1.8956% | 4,577 |
| Noninterest income to average assets | 0.3064% | 3,273 |
| Noninterest expense to average assets | 1.7787% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2629% | 4,217 |
| Return on assets (ROA) | 0.2558% | 4,203 |
| Pretax return on assets | 0.3272% | 4,146 |
| Return on Equity (ROE) | 3.8863% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.8863% | 2,974 |
| Net charge-offs to loans | -0.0279% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1069% | 839 |
| Assets per employee ($millions) | 7.2377% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 1,653 |
| Loan loss allowance to noncurrent loans | 204.2345% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 2,309 |
| Noncurrent loans to loans | 0.7196% | 1,319 |
| Net loans and leases to total assets | 30.5671% | 4,431 |
| Net loans and leases to deposits | 32.9614% | 4,466 |
| Net loans and leases to core deposits | 33.0651% | 4,506 |
| Total domestic deposits to total assets | 92.7362% | 335 |
| Equity capital to assets | 6.3010% | 4,495 |
| Core capital (leverage) ratio | 6.9704% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7834% | 505 |
| Memoranda: | ||
| Average total assets | $134,478,000 | 3,673 |
| Average earning assets | $128,298,000 | 3,629 |
| Average equity | $8,851,500 | 4,172 |
| Average total loans | $42,935,000 | 4,104 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4458% | 4,519 |
| Cost of funding earning assets | 0.0185% | 4,775 |
| Net interest margin | 2.4273% | 4,286 |
| Noninterest income to average assets | 0.3326% | 3,420 |
| Noninterest expense to average assets | 1.9235% | 3,868 |
| Loan and lease loss provision to assets | -0.0915% | 4,508 |
| Net operating income to assets | 0.6063% | 3,862 |
| Return on assets (ROA) | 0.6120% | 3,893 |
| Pretax return on assets | 0.8054% | 3,714 |
| Return on Equity (ROE) | 8.6087% | 3,048 |
| Retained earnings to average equity (ytd only) | 6.9295% | 1,945 |
| Net charge-offs to loans | -0.0258% | 4,070 |
| Credit loss provision to net charge-offs | 958.3333% | 549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1316% | 1,400 |
| Assets per employee ($millions) | 7.3022% | 1,724 |
| Cash dividends to net income (ytd only)* | 19.5059% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 1,751 |
| Loan loss allowance to noncurrent loans | 133.9056% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 1,804 |
| Noncurrent loans to loans | 1.0785% | 900 |
| Net loans and leases to total assets | 32.3983% | 4,431 |
| Net loans and leases to deposits | 35.2170% | 4,497 |
| Net loans and leases to core deposits | 35.3338% | 4,531 |
| Total domestic deposits to total assets | 91.9963% | 179 |
| Equity capital to assets | 6.8762% | 4,740 |
| Core capital (leverage) ratio | 6.6822% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3005% | 476 |
| Memoranda: | ||
| Average total assets | $125,659,600 | 3,738 |
| Average earning assets | $118,936,400 | 3,696 |
| Average equity | $8,932,800 | 4,251 |
| Average total loans | $46,465,200 | 4,062 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5551% | 4,536 |
| Cost of funding earning assets | 0.0193% | 4,858 |
| Net interest margin | 2.5357% | 4,218 |
| Noninterest income to average assets | 0.3349% | 3,428 |
| Noninterest expense to average assets | 1.8881% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6413% | 3,924 |
| Return on assets (ROA) | 0.6472% | 3,959 |
| Pretax return on assets | 0.8490% | 3,802 |
| Return on Equity (ROE) | 9.0269% | 3,100 |
| Retained earnings to average equity (ytd only) | 9.0269% | 1,678 |
| Net charge-offs to loans | -0.0254% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1703% | 1,690 |
| Assets per employee ($millions) | 7.5504% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 1,282 |
| Loan loss allowance to noncurrent loans | 153.9749% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 2,023 |
| Noncurrent loans to loans | 1.0531% | 1,079 |
| Net loans and leases to total assets | 32.8553% | 4,514 |
| Net loans and leases to deposits | 35.6178% | 4,586 |
| Net loans and leases to core deposits | 35.7318% | 4,618 |
| Total domestic deposits to total assets | 92.2440% | 87 |
| Equity capital to assets | 6.7296% | 4,854 |
| Core capital (leverage) ratio | 6.9351% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7576% | 618 |
| Memoranda: | ||
| Average total assets | $124,214,750 | 3,794 |
| Average earning assets | $117,307,000 | 3,763 |
| Average equity | $8,906,500 | 4,314 |
| Average total loans | $47,279,500 | 4,109 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7999% | 4,339 |
| Cost of funding earning assets | 0.0194% | 4,898 |
| Net interest margin | 2.7805% | 3,829 |
| Noninterest income to average assets | 0.3325% | 3,435 |
| Noninterest expense to average assets | 1.9498% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7681% | 3,602 |
| Return on assets (ROA) | 0.7746% | 3,644 |
| Pretax return on assets | 1.0107% | 3,426 |
| Return on Equity (ROE) | 10.5589% | 2,566 |
| Retained earnings to average equity (ytd only) | 10.5589% | 1,230 |
| Net charge-offs to loans | -0.0292% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0473% | 2,145 |
| Assets per employee ($millions) | 7.0234% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,468 |
| Loan loss allowance to noncurrent loans | 150.4098% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 2,140 |
| Noncurrent loans to loans | 1.0215% | 1,202 |
| Net loans and leases to total assets | 35.2507% | 4,486 |
| Net loans and leases to deposits | 38.2402% | 4,575 |
| Net loans and leases to core deposits | 38.2402% | 4,620 |
| Total domestic deposits to total assets | 92.1825% | 96 |
| Equity capital to assets | 6.7594% | 4,879 |
| Core capital (leverage) ratio | 7.0922% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7115% | 563 |
| Memoranda: | ||
| Average total assets | $120,317,000 | 3,849 |
| Average earning assets | $113,362,000 | 3,818 |
| Average equity | $8,826,667 | 4,344 |
| Average total loans | $47,909,667 | 4,120 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0141% | 4,049 |
| Cost of funding earning assets | 0.0224% | 4,924 |
| Net interest margin | 2.9917% | 3,281 |
| Noninterest income to average assets | 0.3341% | 3,430 |
| Noninterest expense to average assets | 2.0782% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8195% | 3,356 |
| Return on assets (ROA) | 0.8334% | 3,398 |
| Pretax return on assets | 1.0901% | 3,134 |
| Return on Equity (ROE) | 10.8591% | 2,403 |
| Retained earnings to average equity (ytd only) | 10.8591% | 1,432 |
| Net charge-offs to loans | -0.0333% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9598% | 2,238 |
| Assets per employee ($millions) | 5.9441% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,561 |
| Loan loss allowance to noncurrent loans | 216.2722% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 2,721 |
| Noncurrent loans to loans | 0.6993% | 1,845 |
| Net loans and leases to total assets | 40.0400% | 4,338 |
| Net loans and leases to deposits | 43.8314% | 4,426 |
| Net loans and leases to core deposits | 43.8314% | 4,502 |
| Total domestic deposits to total assets | 91.3502% | 279 |
| Equity capital to assets | 7.4209% | 4,738 |
| Core capital (leverage) ratio | 7.6670% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3619% | 562 |
| Memoranda: | ||
| Average total assets | $113,753,500 | 3,932 |
| Average earning assets | $107,097,000 | 3,908 |
| Average equity | $8,730,000 | 4,364 |
| Average total loans | $47,977,500 | 4,142 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 3,852 |
| Cost of funding earning assets | 0.0422% | 4,947 |
| Net interest margin | 3.5374% | 2,343 |
| Noninterest income to average assets | 0.5899% | 2,255 |
| Noninterest expense to average assets | 2.5296% | 2,755 |
| Loan and lease loss provision to assets | 0.1959% | 1,994 |
| Net operating income to assets | 0.9053% | 2,671 |
| Return on assets (ROA) | 0.9126% | 2,776 |
| Pretax return on assets | 1.1601% | 2,477 |
| Return on Equity (ROE) | 10.9036% | 1,667 |
| Retained earnings to average equity (ytd only) | 10.9036% | 443 |
| Net charge-offs to loans | 0.1406% | 1,149 |
| Credit loss provision to net charge-offs | 275.3623% | 1,823 |
| Earnings coverage of net charge-offs (x) | 18.9275% | 2,003 |
| Efficiency ratio | 65.2567% | 2,642 |
| Assets per employee ($millions) | 5.4313% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,494 |
| Loan loss allowance to noncurrent loans | 282.8794% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 3,101 |
| Noncurrent loans to loans | 0.5396% | 2,359 |
| Net loans and leases to total assets | 43.1729% | 4,295 |
| Net loans and leases to deposits | 47.5759% | 4,406 |
| Net loans and leases to core deposits | 47.5759% | 4,502 |
| Total domestic deposits to total assets | 90.7453% | 295 |
| Equity capital to assets | 7.9521% | 4,726 |
| Core capital (leverage) ratio | 7.8265% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5140% | 625 |
| Memoranda: | ||
| Average total assets | $96,972,600 | 4,038 |
| Average earning assets | $90,093,400 | 4,026 |
| Average equity | $8,116,600 | 4,408 |
| Average total loans | $49,062,600 | 4,126 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,317 |
| Cost of funding earning assets | 0.0474% | 4,986 |
| Net interest margin | 3.8352% | 1,518 |
| Noninterest income to average assets | 0.4224% | 2,974 |
| Noninterest expense to average assets | 2.7060% | 2,237 |
| Loan and lease loss provision to assets | 0.2690% | 1,515 |
| Net operating income to assets | 0.7843% | 3,155 |
| Return on assets (ROA) | 0.7910% | 3,242 |
| Pretax return on assets | 1.0121% | 3,025 |
| Return on Equity (ROE) | 9.3158% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.3158% | 904 |
| Net charge-offs to loans | 0.1996% | 764 |
| Credit loss provision to net charge-offs | 256.7568% | 1,905 |
| Earnings coverage of net charge-offs (x) | 12.1351% | 2,262 |
| Efficiency ratio | 68.0086% | 2,194 |
| Assets per employee ($millions) | 5.3841% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 1,850 |
| Loan loss allowance to noncurrent loans | 272.8302% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 3,147 |
| Noncurrent loans to loans | 0.5042% | 2,540 |
| Net loans and leases to total assets | 48.1413% | 4,208 |
| Net loans and leases to deposits | 52.9916% | 4,374 |
| Net loans and leases to core deposits | 52.9916% | 4,489 |
| Total domestic deposits to total assets | 90.8470% | 204 |
| Equity capital to assets | 7.7237% | 4,798 |
| Core capital (leverage) ratio | 8.0365% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7482% | 704 |
| Memoranda: | ||
| Average total assets | $94,059,250 | 4,069 |
| Average earning assets | $87,225,250 | 4,064 |
| Average equity | $7,986,250 | 4,446 |
| Average total loans | $49,422,250 | 4,146 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 2,243 |
| Cost of funding earning assets | 0.0581% | 5,015 |
| Net interest margin | 4.3309% | 701 |
| Noninterest income to average assets | 0.3887% | 3,148 |
| Noninterest expense to average assets | 2.8553% | 1,959 |
| Loan and lease loss provision to assets | 0.4245% | 929 |
| Net operating income to assets | 0.8625% | 2,834 |
| Return on assets (ROA) | 0.8713% | 2,923 |
| Pretax return on assets | 1.1193% | 2,655 |
| Return on Equity (ROE) | 9.9035% | 2,015 |
| Retained earnings to average equity (ytd only) | 9.9035% | 807 |
| Net charge-offs to loans | 0.3101% | 520 |
| Credit loss provision to net charge-offs | 253.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 9.1467% | 2,240 |
| Efficiency ratio | 65.0713% | 2,650 |
| Assets per employee ($millions) | 4.9371% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 1,912 |
| Loan loss allowance to noncurrent loans | 248.9655% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 3,090 |
| Noncurrent loans to loans | 0.5299% | 2,577 |
| Net loans and leases to total assets | 54.6961% | 3,819 |
| Net loans and leases to deposits | 60.6130% | 4,085 |
| Net loans and leases to core deposits | 60.6130% | 4,231 |
| Total domestic deposits to total assets | 90.2382% | 338 |
| Equity capital to assets | 8.2589% | 4,607 |
| Core capital (leverage) ratio | 8.7694% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,518,667 | 4,139 |
| Average earning assets | $82,661,667 | 4,130 |
| Average equity | $7,876,000 | 4,474 |
| Average total loans | $48,375,667 | 4,171 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 4,089 |
| Cost of funding earning assets | 0.0767% | 5,060 |
| Net interest margin | 3.7987% | 1,978 |
| Noninterest income to average assets | 0.4004% | 3,099 |
| Noninterest expense to average assets | 3.0999% | 1,641 |
| Loan and lease loss provision to assets | 0.3675% | 837 |
| Net operating income to assets | 0.3298% | 4,283 |
| Return on assets (ROA) | 0.3298% | 4,315 |
| Pretax return on assets | 0.4334% | 4,233 |
| Return on Equity (ROE) | 3.6192% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.6192% | 2,837 |
| Net charge-offs to loans | 0.6903% | 219 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 2.1795% | 2,310 |
| Efficiency ratio | 79.4686% | 1,193 |
| Assets per employee ($millions) | 4.1952% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,958 |
| Loan loss allowance to noncurrent loans | 195.4839% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3826% | 2,910 |
| Noncurrent loans to loans | 0.6848% | 2,284 |
| Net loans and leases to total assets | 53.2305% | 4,045 |
| Net loans and leases to deposits | 59.9297% | 4,200 |
| Net loans and leases to core deposits | 59.9297% | 4,360 |
| Total domestic deposits to total assets | 88.8216% | 746 |
| Equity capital to assets | 9.3262% | 4,371 |
| Core capital (leverage) ratio | 9.2020% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2654% | 835 |
| Memoranda: | ||
| Average total assets | $84,907,000 | 4,198 |
| Average earning assets | $78,238,000 | 4,201 |
| Average equity | $7,736,500 | 4,517 |
| Average total loans | $45,198,500 | 4,245 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 3,225 |
| Cost of funding earning assets | 0.0909% | 5,116 |
| Net interest margin | 4.3171% | 1,058 |
| Noninterest income to average assets | 0.4600% | 2,950 |
| Noninterest expense to average assets | 3.0283% | 1,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0959% | 2,463 |
| Return on assets (ROA) | 1.0959% | 2,559 |
| Pretax return on assets | 1.4047% | 2,141 |
| Return on Equity (ROE) | 12.0402% | 1,496 |
| Retained earnings to average equity (ytd only) | 7.9863% | 981 |
| Net charge-offs to loans | 0.0022% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,142.0000% | 85 |
| Efficiency ratio | 68.3130% | 2,415 |
| Assets per employee ($millions) | 4.2956% | 3,516 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,735 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,599 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 51.8246% | 4,242 |
| Net loans and leases to deposits | 58.2777% | 4,362 |
| Net loans and leases to core deposits | 59.1196% | 4,481 |
| Total domestic deposits to total assets | 88.9269% | 698 |
| Equity capital to assets | 8.9022% | 4,733 |
| Core capital (leverage) ratio | 8.8124% | 4,660 |
| Tier 1 risk-based capital ratio | 18.6632% | 1,597 |
| Total risk-based capital ratio | 19.9266% | 1,561 |
| Memoranda: | ||
| Average total assets | $81,299,600 | 4,262 |
| Average earning assets | $74,819,200 | 4,272 |
| Average equity | $7,400,200 | 4,589 |
| Average total loans | $45,462,000 | 4,271 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 3,136 |
| Cost of funding earning assets | 0.0886% | 5,195 |
| Net interest margin | 4.3882% | 974 |
| Noninterest income to average assets | 0.4625% | 2,942 |
| Noninterest expense to average assets | 3.0260% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1495% | 2,367 |
| Return on assets (ROA) | 1.1495% | 2,457 |
| Pretax return on assets | 1.4739% | 2,035 |
| Return on Equity (ROE) | 12.5549% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.5549% | 321 |
| Net charge-offs to loans | 0.0029% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 888.1955% | 107 |
| Efficiency ratio | 67.2458% | 2,539 |
| Assets per employee ($millions) | 4.2942% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 1,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,694 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 53.5082% | 4,218 |
| Net loans and leases to deposits | 60.0617% | 4,382 |
| Net loans and leases to core deposits | 60.9257% | 4,498 |
| Total domestic deposits to total assets | 89.0888% | 582 |
| Equity capital to assets | 9.0168% | 4,771 |
| Core capital (leverage) ratio | 9.2934% | 4,374 |
| Tier 1 risk-based capital ratio | 17.9400% | 1,839 |
| Total risk-based capital ratio | 19.2014% | 1,779 |
| Memoranda: | ||
| Average total assets | $80,146,750 | 4,335 |
| Average earning assets | $73,741,750 | 4,342 |
| Average equity | $7,338,250 | 4,650 |
| Average total loans | $45,545,250 | 4,324 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 3,234 |
| Cost of funding earning assets | 0.0890% | 5,236 |
| Net interest margin | 4.3438% | 1,057 |
| Noninterest income to average assets | 0.4627% | 2,895 |
| Noninterest expense to average assets | 3.1393% | 1,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0251% | 2,824 |
| Return on assets (ROA) | 1.0251% | 2,908 |
| Pretax return on assets | 1.3140% | 2,505 |
| Return on Equity (ROE) | 11.1342% | 1,925 |
| Retained earnings to average equity (ytd only) | 11.1342% | 530 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4937% | 2,149 |
| Assets per employee ($millions) | 3.9896% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 1,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,727 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.5321% | 3,955 |
| Net loans and leases to deposits | 64.8417% | 4,177 |
| Net loans and leases to core deposits | 65.6128% | 4,332 |
| Total domestic deposits to total assets | 88.7269% | 774 |
| Equity capital to assets | 9.3230% | 4,557 |
| Core capital (leverage) ratio | 9.5853% | 4,059 |
| Tier 1 risk-based capital ratio | 17.3478% | 1,986 |
| Total risk-based capital ratio | 18.6081% | 1,937 |
| Memoranda: | ||
| Average total assets | $78,234,330 | 4,404 |
| Average earning assets | $71,872,670 | 4,401 |
| Average equity | $7,203,000 | 4,695 |
| Average total loans | $45,206,670 | 4,363 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 3,371 |
| Cost of funding earning assets | 0.0898% | 5,291 |
| Net interest margin | 4.2713% | 1,147 |
| Noninterest income to average assets | 0.4545% | 2,831 |
| Noninterest expense to average assets | 3.1244% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9812% | 2,920 |
| Return on assets (ROA) | 0.9812% | 2,963 |
| Pretax return on assets | 1.2601% | 2,592 |
| Return on Equity (ROE) | 10.7269% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.7269% | 877 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2603% | 2,151 |
| Assets per employee ($millions) | 3.8776% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 1,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,797 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 57.0670% | 3,983 |
| Net loans and leases to deposits | 64.2490% | 4,166 |
| Net loans and leases to core deposits | 65.0326% | 4,329 |
| Total domestic deposits to total assets | 88.8215% | 945 |
| Equity capital to assets | 9.2700% | 4,462 |
| Core capital (leverage) ratio | 9.4399% | 4,213 |
| Tier 1 risk-based capital ratio | 17.3552% | 1,995 |
| Total risk-based capital ratio | 18.6168% | 1,934 |
| Memoranda: | ||
| Average total assets | $77,455,500 | 4,464 |
| Average earning assets | $71,267,000 | 4,461 |
| Average equity | $7,085,000 | 4,740 |
| Average total loans | $44,553,500 | 4,421 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 3,392 |
| Cost of funding earning assets | 0.0506% | 5,362 |
| Net interest margin | 4.1653% | 1,489 |
| Noninterest income to average assets | 0.4907% | 2,882 |
| Noninterest expense to average assets | 3.1122% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9685% | 3,147 |
| Return on assets (ROA) | 0.9685% | 3,146 |
| Pretax return on assets | 1.2048% | 2,861 |
| Return on Equity (ROE) | 11.1134% | 2,038 |
| Retained earnings to average equity (ytd only) | 7.7794% | 1,336 |
| Net charge-offs to loans | -0.0023% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0909% | 1,881 |
| Assets per employee ($millions) | 3.8680% | 4,078 |
| Cash dividends to net income (ytd only)* | 30.0000% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,749 |
| Loan loss allowance to noncurrent loans | 20,233.3333% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,796 |
| Noncurrent loans to loans | 0.0068% | 4,789 |
| Net loans and leases to total assets | 56.4077% | 4,102 |
| Net loans and leases to deposits | 63.5274% | 4,276 |
| Net loans and leases to core deposits | 63.8341% | 4,453 |
| Total domestic deposits to total assets | 88.7927% | 946 |
| Equity capital to assets | 9.0240% | 4,558 |
| Core capital (leverage) ratio | 8.9000% | 4,737 |
| Tier 1 risk-based capital ratio | 17.2222% | 1,987 |
| Total risk-based capital ratio | 18.4811% | 1,934 |
| Memoranda: | ||
| Average total assets | $77,437,200 | 4,475 |
| Average earning assets | $71,135,200 | 4,477 |
| Average equity | $6,748,600 | 4,786 |
| Average total loans | $44,082,000 | 4,449 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 3,442 |
| Cost of funding earning assets | 0.0487% | 5,434 |
| Net interest margin | 4.1070% | 1,604 |
| Noninterest income to average assets | 0.4837% | 2,958 |
| Noninterest expense to average assets | 3.0778% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9175% | 3,447 |
| Return on assets (ROA) | 0.9175% | 3,454 |
| Pretax return on assets | 1.1791% | 3,072 |
| Return on Equity (ROE) | 10.6218% | 2,339 |
| Retained earnings to average equity (ytd only) | 10.6218% | 741 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3008% | 1,836 |
| Assets per employee ($millions) | 3.9415% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 1,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,935 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 56.9301% | 4,139 |
| Net loans and leases to deposits | 63.8179% | 4,339 |
| Net loans and leases to core deposits | 64.1188% | 4,505 |
| Total domestic deposits to total assets | 89.2072% | 772 |
| Equity capital to assets | 8.8380% | 4,686 |
| Core capital (leverage) ratio | 8.9515% | 4,746 |
| Tier 1 risk-based capital ratio | 16.7943% | 2,170 |
| Total risk-based capital ratio | 18.0563% | 2,116 |
| Memoranda: | ||
| Average total assets | $77,456,500 | 4,521 |
| Average earning assets | $71,160,500 | 4,517 |
| Average equity | $6,690,500 | 4,846 |
| Average total loans | $44,041,500 | 4,501 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9762% | 3,855 |
| Cost of funding earning assets | 0.0480% | 5,491 |
| Net interest margin | 3.9281% | 2,114 |
| Noninterest income to average assets | 0.4701% | 3,035 |
| Noninterest expense to average assets | 3.0806% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7766% | 3,931 |
| Return on assets (ROA) | 0.7766% | 3,936 |
| Pretax return on assets | 1.0000% | 3,661 |
| Return on Equity (ROE) | 9.0629% | 2,988 |
| Retained earnings to average equity (ytd only) | 9.0629% | 1,192 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4933% | 1,493 |
| Assets per employee ($millions) | 3.9852% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,968 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 56.8478% | 4,094 |
| Net loans and leases to deposits | 63.3839% | 4,325 |
| Net loans and leases to core deposits | 63.6779% | 4,510 |
| Total domestic deposits to total assets | 89.6881% | 668 |
| Equity capital to assets | 8.4563% | 4,978 |
| Core capital (leverage) ratio | 8.9155% | 4,758 |
| Tier 1 risk-based capital ratio | 15.9987% | 2,438 |
| Total risk-based capital ratio | 17.2610% | 2,374 |
| Memoranda: | ||
| Average total assets | $76,998,670 | 4,569 |
| Average earning assets | $70,771,670 | 4,572 |
| Average equity | $6,598,330 | 4,909 |
| Average total loans | $43,560,670 | 4,552 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 3,823 |
| Cost of funding earning assets | 0.0461% | 5,559 |
| Net interest margin | 3.8915% | 2,075 |
| Noninterest income to average assets | 0.4495% | 3,113 |
| Noninterest expense to average assets | 3.0616% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7614% | 3,869 |
| Return on assets (ROA) | 0.7614% | 3,868 |
| Pretax return on assets | 0.9624% | 3,659 |
| Return on Equity (ROE) | 8.8242% | 2,997 |
| Retained earnings to average equity (ytd only) | 8.8242% | 1,529 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0841% | 1,584 |
| Assets per employee ($millions) | 3.8061% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 5,016 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 55.6738% | 4,147 |
| Net loans and leases to deposits | 62.6599% | 4,292 |
| Net loans and leases to core deposits | 62.9671% | 4,494 |
| Total domestic deposits to total assets | 88.8508% | 1,177 |
| Equity capital to assets | 8.6493% | 4,860 |
| Core capital (leverage) ratio | 8.9450% | 4,742 |
| Tier 1 risk-based capital ratio | 16.4874% | 2,275 |
| Total risk-based capital ratio | 17.7516% | 2,228 |
| Memoranda: | ||
| Average total assets | $75,646,000 | 4,649 |
| Average earning assets | $69,484,500 | 4,652 |
| Average equity | $6,527,500 | 4,973 |
| Average total loans | $42,383,000 | 4,627 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 3,772 |
| Cost of funding earning assets | 0.0501% | 5,617 |
| Net interest margin | 3.8366% | 2,300 |
| Noninterest income to average assets | 0.4988% | 3,009 |
| Noninterest expense to average assets | 2.8902% | 2,488 |
| Loan and lease loss provision to assets | 0.0133% | 4,023 |
| Net operating income to assets | 0.4083% | 4,661 |
| Return on assets (ROA) | 0.4083% | 4,684 |
| Pretax return on assets | 1.0587% | 3,348 |
| Return on Equity (ROE) | 4.7002% | 4,290 |
| Retained earnings to average equity (ytd only) | 1.9444% | 4,159 |
| Net charge-offs to loans | 0.0367% | 3,057 |
| Credit loss provision to net charge-offs | 66.6667% | 3,136 |
| Earnings coverage of net charge-offs (x) | 53.7333% | 1,039 |
| Efficiency ratio | 72.9439% | 2,072 |
| Assets per employee ($millions) | 3.9563% | 4,039 |
| Cash dividends to net income (ytd only)* | 58.6319% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,059 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.7772% | 4,289 |
| Net loans and leases to deposits | 61.5624% | 4,482 |
| Net loans and leases to core deposits | 61.8676% | 4,662 |
| Total domestic deposits to total assets | 88.9783% | 1,010 |
| Equity capital to assets | 8.6085% | 5,030 |
| Core capital (leverage) ratio | 8.5168% | 5,125 |
| Tier 1 risk-based capital ratio | 15.8703% | 2,483 |
| Total risk-based capital ratio | 17.1337% | 2,421 |
| Memoranda: | ||
| Average total assets | $75,184,600 | 4,684 |
| Average earning assets | $67,873,400 | 4,707 |
| Average equity | $6,531,600 | 5,021 |
| Average total loans | $40,851,400 | 4,708 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 3,823 |
| Cost of funding earning assets | 0.0513% | 5,677 |
| Net interest margin | 3.8014% | 2,388 |
| Noninterest income to average assets | 0.4752% | 3,183 |
| Noninterest expense to average assets | 2.8319% | 2,625 |
| Loan and lease loss provision to assets | 0.0177% | 3,793 |
| Net operating income to assets | 0.6987% | 3,997 |
| Return on assets (ROA) | 0.6987% | 4,055 |
| Pretax return on assets | 1.0445% | 3,509 |
| Return on Equity (ROE) | 8.0241% | 3,116 |
| Retained earnings to average equity (ytd only) | 8.0241% | 1,213 |
| Net charge-offs to loans | 0.0492% | 2,445 |
| Credit loss provision to net charge-offs | 66.6667% | 2,728 |
| Earnings coverage of net charge-offs (x) | 39.9325% | 1,295 |
| Efficiency ratio | 72.7231% | 2,093 |
| Assets per employee ($millions) | 4.0749% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 1,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,154 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 55.7031% | 4,254 |
| Net loans and leases to deposits | 62.4441% | 4,484 |
| Net loans and leases to core deposits | 63.0208% | 4,652 |
| Total domestic deposits to total assets | 89.2048% | 778 |
| Equity capital to assets | 8.7377% | 5,127 |
| Core capital (leverage) ratio | 9.0073% | 4,726 |
| Tier 1 risk-based capital ratio | 15.6922% | 2,632 |
| Total risk-based capital ratio | 16.9524% | 2,566 |
| Memoranda: | ||
| Average total assets | $75,188,250 | 4,734 |
| Average earning assets | $67,623,250 | 4,760 |
| Average equity | $6,546,750 | 5,069 |
| Average total loans | $40,619,000 | 4,758 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,064 |
| Cost of funding earning assets | 0.0510% | 5,720 |
| Net interest margin | 3.7017% | 2,654 |
| Noninterest income to average assets | 0.4728% | 3,202 |
| Noninterest expense to average assets | 2.8639% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6072% | 4,271 |
| Return on assets (ROA) | 0.6072% | 4,317 |
| Pretax return on assets | 0.9215% | 3,863 |
| Return on Equity (ROE) | 6.9818% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.9818% | 1,602 |
| Net charge-offs to loans | 0.0808% | 1,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 21.4375% | 1,750 |
| Efficiency ratio | 75.6565% | 1,779 |
| Assets per employee ($millions) | 3.9426% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 1,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,961 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.8259% | 4,403 |
| Net loans and leases to deposits | 60.3572% | 4,599 |
| Net loans and leases to core deposits | 60.9336% | 4,773 |
| Total domestic deposits to total assets | 89.1790% | 869 |
| Equity capital to assets | 8.8106% | 5,060 |
| Core capital (leverage) ratio | 8.9781% | 4,749 |
| Tier 1 risk-based capital ratio | 16.6293% | 2,268 |
| Total risk-based capital ratio | 17.8903% | 2,216 |
| Memoranda: | ||
| Average total assets | $74,443,330 | 4,777 |
| Average earning assets | $66,617,330 | 4,815 |
| Average equity | $6,474,000 | 5,110 |
| Average total loans | $39,581,000 | 4,821 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 4,048 |
| Cost of funding earning assets | 0.0488% | 5,786 |
| Net interest margin | 3.6721% | 2,595 |
| Noninterest income to average assets | 0.4582% | 3,271 |
| Noninterest expense to average assets | 2.8568% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5390% | 4,427 |
| Return on assets (ROA) | 0.5390% | 4,469 |
| Pretax return on assets | 0.8462% | 3,949 |
| Return on Equity (ROE) | 6.2393% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.2393% | 2,217 |
| Net charge-offs to loans | 0.1645% | 987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.8125% | 1,973 |
| Efficiency ratio | 77.1470% | 1,741 |
| Assets per employee ($millions) | 3.9027% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 5,000 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 52.2906% | 4,489 |
| Net loans and leases to deposits | 58.5462% | 4,662 |
| Net loans and leases to core deposits | 59.1094% | 4,824 |
| Total domestic deposits to total assets | 89.3150% | 997 |
| Equity capital to assets | 8.7133% | 5,066 |
| Core capital (leverage) ratio | 8.9874% | 4,753 |
| Tier 1 risk-based capital ratio | 16.8917% | 2,218 |
| Total risk-based capital ratio | 18.1534% | 2,173 |
| Memoranda: | ||
| Average total assets | $74,210,000 | 4,826 |
| Average earning assets | $65,575,500 | 4,888 |
| Average equity | $6,411,000 | 5,168 |
| Average total loans | $38,913,500 | 4,890 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 3,620 |
| Cost of funding earning assets | 0.0569% | 5,825 |
| Net interest margin | 3.8299% | 2,213 |
| Noninterest income to average assets | 0.5004% | 3,233 |
| Noninterest expense to average assets | 2.9662% | 2,445 |
| Loan and lease loss provision to assets | 0.2869% | 673 |
| Net operating income to assets | 0.5392% | 4,485 |
| Return on assets (ROA) | 0.5392% | 4,572 |
| Pretax return on assets | 0.6986% | 4,490 |
| Return on Equity (ROE) | 6.1646% | 3,896 |
| Retained earnings to average equity (ytd only) | 3.7875% | 3,222 |
| Net charge-offs to loans | 0.3875% | 692 |
| Credit loss provision to net charge-offs | 127.7778% | 2,095 |
| Earnings coverage of net charge-offs (x) | 4.3889% | 3,505 |
| Efficiency ratio | 75.0614% | 2,133 |
| Assets per employee ($millions) | 3.9089% | 4,131 |
| Cash dividends to net income (ytd only)* | 38.5604% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 1,401 |
| Loan loss allowance to noncurrent loans | 3,055.0000% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 4,943 |
| Noncurrent loans to loans | 0.0520% | 5,036 |
| Net loans and leases to total assets | 50.9594% | 4,696 |
| Net loans and leases to deposits | 57.0707% | 4,854 |
| Net loans and leases to core deposits | 57.6189% | 4,991 |
| Total domestic deposits to total assets | 89.2916% | 960 |
| Equity capital to assets | 8.5648% | 5,217 |
| Core capital (leverage) ratio | 8.4005% | 5,369 |
| Tier 1 risk-based capital ratio | 14.9786% | 2,973 |
| Total risk-based capital ratio | 16.2300% | 2,912 |
| Memoranda: | ||
| Average total assets | $72,145,400 | 4,887 |
| Average earning assets | $65,014,600 | 4,915 |
| Average equity | $6,310,200 | 5,226 |
| Average total loans | $41,811,600 | 4,822 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8201% | 3,872 |
| Cost of funding earning assets | 0.0550% | 5,894 |
| Net interest margin | 3.7651% | 2,471 |
| Noninterest income to average assets | 0.5120% | 3,170 |
| Noninterest expense to average assets | 3.0533% | 2,152 |
| Loan and lease loss provision to assets | 0.2085% | 1,014 |
| Net operating income to assets | 0.5064% | 4,676 |
| Return on assets (ROA) | 0.5064% | 4,775 |
| Pretax return on assets | 0.6907% | 4,636 |
| Return on Equity (ROE) | 5.7588% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.7588% | 2,321 |
| Net charge-offs to loans | -0.0532% | 5,390 |
| Credit loss provision to net charge-offs | -658.8235% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2492% | 1,801 |
| Assets per employee ($millions) | 3.8780% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,521 |
| Loan loss allowance to noncurrent loans | 23,166.6667% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 5,142 |
| Noncurrent loans to loans | 0.0068% | 5,387 |
| Net loans and leases to total assets | 58.5204% | 4,047 |
| Net loans and leases to deposits | 65.5832% | 4,383 |
| Net loans and leases to core deposits | 66.2187% | 4,591 |
| Total domestic deposits to total assets | 89.2307% | 784 |
| Equity capital to assets | 8.7240% | 5,381 |
| Core capital (leverage) ratio | 8.7740% | 5,081 |
| Tier 1 risk-based capital ratio | 16.5544% | 2,390 |
| Total risk-based capital ratio | 17.8141% | 2,342 |
| Memoranda: | ||
| Average total assets | $71,614,500 | 4,941 |
| Average earning assets | $65,442,000 | 4,949 |
| Average equity | $6,297,500 | 5,284 |
| Average total loans | $42,650,000 | 4,841 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,182 |
| Cost of funding earning assets | 0.0557% | 5,975 |
| Net interest margin | 3.6760% | 2,796 |
| Noninterest income to average assets | 0.5019% | 3,175 |
| Noninterest expense to average assets | 3.1103% | 2,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5809% | 4,349 |
| Return on assets (ROA) | 0.5809% | 4,475 |
| Pretax return on assets | 0.7444% | 4,479 |
| Return on Equity (ROE) | 6.5878% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.5878% | 1,821 |
| Net charge-offs to loans | -0.1325% | 5,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6876% | 1,416 |
| Assets per employee ($millions) | 3.7899% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 2,379 |
| Loan loss allowance to noncurrent loans | 9,900.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 5,209 |
| Noncurrent loans to loans | 0.0139% | 5,431 |
| Net loans and leases to total assets | 58.9435% | 4,017 |
| Net loans and leases to deposits | 66.1410% | 4,338 |
| Net loans and leases to core deposits | 67.0913% | 4,538 |
| Total domestic deposits to total assets | 89.1179% | 870 |
| Equity capital to assets | 8.8435% | 5,368 |
| Core capital (leverage) ratio | 8.9721% | 4,864 |
| Tier 1 risk-based capital ratio | 16.8253% | 2,290 |
| Total risk-based capital ratio | 18.0794% | 2,244 |
| Memoranda: | ||
| Average total assets | $70,925,330 | 5,007 |
| Average earning assets | $64,689,330 | 5,013 |
| Average equity | $6,254,000 | 5,341 |
| Average total loans | $42,262,000 | 4,895 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 4,369 |
| Cost of funding earning assets | 0.0561% | 6,037 |
| Net interest margin | 3.6308% | 2,965 |
| Noninterest income to average assets | 0.5058% | 3,076 |
| Noninterest expense to average assets | 3.0518% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6649% | 3,904 |
| Return on assets (ROA) | 0.6649% | 4,025 |
| Pretax return on assets | 0.7615% | 4,335 |
| Return on Equity (ROE) | 7.5520% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.5520% | 1,643 |
| Net charge-offs to loans | -0.2579% | 5,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0298% | 1,602 |
| Assets per employee ($millions) | 3.7688% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 2,363 |
| Loan loss allowance to noncurrent loans | 14,825.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 5,269 |
| Noncurrent loans to loans | 0.0095% | 5,483 |
| Net loans and leases to total assets | 57.7164% | 4,076 |
| Net loans and leases to deposits | 64.6989% | 4,368 |
| Net loans and leases to core deposits | 65.3433% | 4,591 |
| Total domestic deposits to total assets | 89.2078% | 996 |
| Equity capital to assets | 8.7547% | 5,378 |
| Core capital (leverage) ratio | 9.1420% | 4,671 |
| Tier 1 risk-based capital ratio | 16.8162% | 2,359 |
| Total risk-based capital ratio | 18.0709% | 2,300 |
| Memoranda: | ||
| Average total assets | $70,384,000 | 5,063 |
| Average earning assets | $64,118,500 | 5,076 |
| Average equity | $6,197,000 | 5,388 |
| Average total loans | $41,874,000 | 4,940 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 3,596 |
| Cost of funding earning assets | 0.0660% | 6,080 |
| Net interest margin | 3.8650% | 2,145 |
| Noninterest income to average assets | 0.7027% | 2,189 |
| Noninterest expense to average assets | 3.1182% | 2,177 |
| Loan and lease loss provision to assets | 0.0193% | 4,020 |
| Net operating income to assets | 0.7354% | 3,646 |
| Return on assets (ROA) | 0.7354% | 3,739 |
| Pretax return on assets | 1.0429% | 3,293 |
| Return on Equity (ROE) | 8.2032% | 2,843 |
| Retained earnings to average equity (ytd only) | 5.2202% | 2,264 |
| Net charge-offs to loans | 0.1376% | 1,974 |
| Credit loss provision to net charge-offs | 23.2143% | 3,721 |
| Earnings coverage of net charge-offs (x) | 12.7679% | 2,431 |
| Efficiency ratio | 74.5913% | 2,490 |
| Assets per employee ($millions) | 3.8423% | 4,218 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 2,654 |
| Loan loss allowance to noncurrent loans | 4,042.8571% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 4,946 |
| Noncurrent loans to loans | 0.0335% | 5,380 |
| Net loans and leases to total assets | 59.6579% | 3,883 |
| Net loans and leases to deposits | 67.1954% | 4,199 |
| Net loans and leases to core deposits | 67.8920% | 4,456 |
| Total domestic deposits to total assets | 88.7827% | 1,236 |
| Equity capital to assets | 8.8561% | 5,263 |
| Core capital (leverage) ratio | 8.7916% | 5,121 |
| Tier 1 risk-based capital ratio | 16.5108% | 2,474 |
| Total risk-based capital ratio | 17.7634% | 2,430 |
| Memoranda: | ||
| Average total assets | $67,314,200 | 5,149 |
| Average earning assets | $60,569,400 | 5,170 |
| Average equity | $6,034,200 | 5,431 |
| Average total loans | $40,686,600 | 4,979 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,046 |
| Cost of funding earning assets | 0.0711% | 6,149 |
| Net interest margin | 4.0026% | 1,691 |
| Noninterest income to average assets | 0.7678% | 1,940 |
| Noninterest expense to average assets | 3.1372% | 2,123 |
| Loan and lease loss provision to assets | 0.0160% | 3,952 |
| Net operating income to assets | 0.7120% | 3,853 |
| Return on assets (ROA) | 0.7120% | 3,952 |
| Pretax return on assets | 1.0969% | 3,237 |
| Return on Equity (ROE) | 7.9180% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.9180% | 1,270 |
| Net charge-offs to loans | 0.1155% | 1,973 |
| Credit loss provision to net charge-offs | 22.8571% | 3,339 |
| Earnings coverage of net charge-offs (x) | 15.9413% | 2,150 |
| Efficiency ratio | 73.8151% | 2,588 |
| Assets per employee ($millions) | 3.6273% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 2,682 |
| Loan loss allowance to noncurrent loans | 230.0395% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 3,530 |
| Noncurrent loans to loans | 0.6016% | 3,518 |
| Net loans and leases to total assets | 60.1773% | 3,861 |
| Net loans and leases to deposits | 67.7431% | 4,216 |
| Net loans and leases to core deposits | 68.1102% | 4,532 |
| Total domestic deposits to total assets | 88.8317% | 1,112 |
| Equity capital to assets | 8.9976% | 5,307 |
| Core capital (leverage) ratio | 9.0441% | 4,945 |
| Tier 1 risk-based capital ratio | 16.5237% | 2,559 |
| Total risk-based capital ratio | 17.7769% | 2,520 |
| Memoranda: | ||
| Average total assets | $66,852,500 | 5,224 |
| Average earning assets | $58,160,250 | 5,300 |
| Average equity | $6,011,500 | 5,495 |
| Average total loans | $40,401,750 | 5,045 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 3,552 |
| Cost of funding earning assets | 0.0711% | 6,222 |
| Net interest margin | 3.8640% | 2,087 |
| Noninterest income to average assets | 0.8766% | 1,522 |
| Noninterest expense to average assets | 3.1830% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7527% | 3,632 |
| Return on assets (ROA) | 0.7527% | 3,730 |
| Pretax return on assets | 1.1426% | 2,997 |
| Return on Equity (ROE) | 8.3721% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.3721% | 1,131 |
| Net charge-offs to loans | 0.1706% | 1,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.1176% | 2,320 |
| Efficiency ratio | 73.5849% | 2,736 |
| Assets per employee ($millions) | 3.3073% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,766 |
| Loan loss allowance to noncurrent loans | 701.2195% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 4,487 |
| Noncurrent loans to loans | 0.1994% | 4,976 |
| Net loans and leases to total assets | 61.3062% | 3,651 |
| Net loans and leases to deposits | 69.1985% | 4,019 |
| Net loans and leases to core deposits | 69.5904% | 4,358 |
| Total domestic deposits to total assets | 88.5948% | 1,363 |
| Equity capital to assets | 9.1934% | 5,027 |
| Core capital (leverage) ratio | 9.2522% | 4,617 |
| Tier 1 risk-based capital ratio | 16.6974% | 2,523 |
| Total risk-based capital ratio | 17.9507% | 2,472 |
| Memoranda: | ||
| Average total assets | $66,164,000 | 5,298 |
| Average earning assets | $59,058,000 | 5,329 |
| Average equity | $5,948,330 | 5,563 |
| Average total loans | $39,850,670 | 5,117 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8105% | 3,967 |
| Cost of funding earning assets | 0.0680% | 6,304 |
| Net interest margin | 3.7425% | 2,456 |
| Noninterest income to average assets | 0.5259% | 3,115 |
| Noninterest expense to average assets | 3.1191% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5259% | 4,563 |
| Return on assets (ROA) | 0.5259% | 4,682 |
| Pretax return on assets | 0.7314% | 4,495 |
| Return on Equity (ROE) | 5.9164% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.9164% | 2,543 |
| Net charge-offs to loans | 0.3468% | 703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.5588% | 2,591 |
| Efficiency ratio | 81.0047% | 1,759 |
| Assets per employee ($millions) | 3.4633% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 2,530 |
| Loan loss allowance to noncurrent loans | 237.6033% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 3,070 |
| Noncurrent loans to loans | 0.6231% | 3,712 |
| Net loans and leases to total assets | 58.1432% | 3,924 |
| Net loans and leases to deposits | 65.5451% | 4,194 |
| Net loans and leases to core deposits | 65.9178% | 4,525 |
| Total domestic deposits to total assets | 88.7072% | 1,446 |
| Equity capital to assets | 9.0193% | 5,264 |
| Core capital (leverage) ratio | 8.9984% | 4,957 |
| Tier 1 risk-based capital ratio | 17.1634% | 2,419 |
| Total risk-based capital ratio | 17.1634% | 2,905 |
| Memoranda: | ||
| Average total assets | $66,173,500 | 5,349 |
| Average earning assets | $58,784,500 | 5,392 |
| Average equity | $5,882,000 | 5,629 |
| Average total loans | $39,213,000 | 5,167 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 2,724 |
| Cost of funding earning assets | 0.0963% | 6,337 |
| Net interest margin | 4.1676% | 1,393 |
| Noninterest income to average assets | 0.6154% | 2,766 |
| Noninterest expense to average assets | 3.5345% | 1,412 |
| Loan and lease loss provision to assets | 0.0077% | 4,473 |
| Net operating income to assets | 0.5875% | 4,438 |
| Return on assets (ROA) | 0.5875% | 4,511 |
| Pretax return on assets | 0.7514% | 4,432 |
| Return on Equity (ROE) | 6.6103% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.4791% | 3,733 |
| Net charge-offs to loans | 0.0867% | 3,251 |
| Credit loss provision to net charge-offs | 14.2857% | 4,049 |
| Earnings coverage of net charge-offs (x) | 14.0286% | 2,208 |
| Efficiency ratio | 82.3190% | 1,626 |
| Assets per employee ($millions) | 3.5023% | 4,894 |
| Cash dividends to net income (ytd only)* | 47.3684% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 2,306 |
| Loan loss allowance to noncurrent loans | 94.7123% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 1,975 |
| Noncurrent loans to loans | 1.6241% | 1,803 |
| Net loans and leases to total assets | 58.5808% | 3,984 |
| Net loans and leases to deposits | 66.0633% | 4,322 |
| Net loans and leases to core deposits | 66.4349% | 4,638 |
| Total domestic deposits to total assets | 88.6737% | 1,429 |
| Equity capital to assets | 8.7596% | 5,526 |
| Core capital (leverage) ratio | 8.8566% | 5,174 |
| Tier 1 risk-based capital ratio | 16.1146% | 2,912 |
| Total risk-based capital ratio | 17.3694% | 2,847 |
| Memoranda: | ||
| Average total assets | $64,676,000 | 5,431 |
| Average earning assets | $57,083,600 | 5,484 |
| Average equity | $5,748,600 | 5,678 |
| Average total loans | $40,353,400 | 5,167 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,582 |
| Cost of funding earning assets | 0.1035% | 6,403 |
| Net interest margin | 4.2073% | 1,265 |
| Noninterest income to average assets | 0.6105% | 2,804 |
| Noninterest expense to average assets | 3.4013% | 1,662 |
| Loan and lease loss provision to assets | 0.0104% | 4,212 |
| Net operating income to assets | 0.5627% | 4,620 |
| Return on assets (ROA) | 0.5627% | 4,692 |
| Pretax return on assets | 0.9116% | 3,939 |
| Return on Equity (ROE) | 6.3074% | 4,077 |
| Retained earnings to average equity (ytd only) | 6.3074% | 2,214 |
| Net charge-offs to loans | 0.1151% | 2,650 |
| Credit loss provision to net charge-offs | 14.2857% | 3,642 |
| Earnings coverage of net charge-offs (x) | 12.6846% | 2,296 |
| Efficiency ratio | 78.6744% | 2,093 |
| Assets per employee ($millions) | 3.3745% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 2,811 |
| Loan loss allowance to noncurrent loans | 218.2796% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 3,230 |
| Noncurrent loans to loans | 0.6793% | 3,913 |
| Net loans and leases to total assets | 63.1106% | 3,328 |
| Net loans and leases to deposits | 71.2495% | 3,768 |
| Net loans and leases to core deposits | 71.6659% | 4,182 |
| Total domestic deposits to total assets | 88.5770% | 1,463 |
| Equity capital to assets | 9.1834% | 5,165 |
| Core capital (leverage) ratio | 9.3105% | 4,627 |
| Tier 1 risk-based capital ratio | 16.0120% | 3,050 |
| Total risk-based capital ratio | 17.2670% | 3,006 |
| Memoranda: | ||
| Average total assets | $64,209,000 | 5,505 |
| Average earning assets | $56,662,250 | 5,553 |
| Average equity | $5,728,500 | 5,734 |
| Average total loans | $40,544,000 | 5,213 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 2,876 |
| Cost of funding earning assets | 0.1085% | 6,451 |
| Net interest margin | 4.1134% | 1,469 |
| Noninterest income to average assets | 0.5293% | 3,271 |
| Noninterest expense to average assets | 3.4402% | 1,592 |
| Loan and lease loss provision to assets | 0.0156% | 3,952 |
| Net operating income to assets | 0.4577% | 4,984 |
| Return on assets (ROA) | 0.4577% | 5,054 |
| Pretax return on assets | 0.7316% | 4,529 |
| Return on Equity (ROE) | 5.1803% | 4,591 |
| Retained earnings to average equity (ytd only) | 5.1803% | 2,845 |
| Net charge-offs to loans | 0.1734% | 2,005 |
| Credit loss provision to net charge-offs | 14.2857% | 3,263 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,710 |
| Efficiency ratio | 82.1561% | 1,721 |
| Assets per employee ($millions) | 3.1546% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 2,903 |
| Loan loss allowance to noncurrent loans | 98.2258% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 1,869 |
| Noncurrent loans to loans | 1.5260% | 2,276 |
| Net loans and leases to total assets | 63.4306% | 3,173 |
| Net loans and leases to deposits | 71.5404% | 3,631 |
| Net loans and leases to core deposits | 72.6614% | 3,979 |
| Total domestic deposits to total assets | 88.6640% | 1,560 |
| Equity capital to assets | 9.1423% | 5,163 |
| Core capital (leverage) ratio | 9.0513% | 4,941 |
| Tier 1 risk-based capital ratio | 16.1330% | 3,019 |
| Total risk-based capital ratio | 17.3886% | 2,963 |
| Memoranda: | ||
| Average total assets | $64,240,000 | 5,557 |
| Average earning assets | $57,130,330 | 5,582 |
| Average equity | $5,675,330 | 5,784 |
| Average total loans | $40,367,670 | 5,259 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 3,352 |
| Cost of funding earning assets | 0.1177% | 6,504 |
| Net interest margin | 3.9671% | 1,865 |
| Noninterest income to average assets | 0.4937% | 3,464 |
| Noninterest expense to average assets | 3.4869% | 1,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3271% | 5,403 |
| Return on assets (ROA) | 0.3271% | 5,452 |
| Pretax return on assets | 0.5431% | 5,035 |
| Return on Equity (ROE) | 3.7662% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.7662% | 3,869 |
| Net charge-offs to loans | 0.0596% | 2,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.6667% | 1,589 |
| Efficiency ratio | 86.5237% | 1,393 |
| Assets per employee ($millions) | 3.5923% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5958% | 2,726 |
| Loan loss allowance to noncurrent loans | 53.9642% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 2.2625% | 1,458 |
| Noncurrent loans to loans | 2.9571% | 1,088 |
| Net loans and leases to total assets | 60.3662% | 3,495 |
| Net loans and leases to deposits | 67.6194% | 3,898 |
| Net loans and leases to core deposits | 69.0721% | 4,193 |
| Total domestic deposits to total assets | 89.2735% | 1,490 |
| Equity capital to assets | 8.7486% | 5,394 |
| Core capital (leverage) ratio | 8.8461% | 5,200 |
| Tier 1 risk-based capital ratio | 16.5563% | 2,866 |
| Total risk-based capital ratio | 17.8133% | 2,838 |
| Memoranda: | ||
| Average total assets | $64,814,500 | 5,598 |
| Average earning assets | $57,775,000 | 5,616 |
| Average equity | $5,629,000 | 5,836 |
| Average total loans | $40,237,500 | 5,313 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6526% | 1,704 |
| Cost of funding earning assets | 0.1461% | 6,551 |
| Net interest margin | 4.5064% | 727 |
| Noninterest income to average assets | 0.4207% | 4,294 |
| Noninterest expense to average assets | 3.5666% | 1,514 |
| Loan and lease loss provision to assets | 0.1330% | 2,649 |
| Net operating income to assets | 0.4918% | 4,763 |
| Return on assets (ROA) | 0.4918% | 4,904 |
| Pretax return on assets | 0.7749% | 4,244 |
| Return on Equity (ROE) | 5.6924% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.0073% | 4,098 |
| Net charge-offs to loans | 0.1000% | 3,841 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 13.6512% | 2,002 |
| Efficiency ratio | 79.7096% | 2,201 |
| Assets per employee ($millions) | 3.8216% | 4,219 |
| Cash dividends to net income (ytd only)* | 47.1698% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 2,900 |
| Loan loss allowance to noncurrent loans | 85.8871% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.5947% | 2,333 |
| Noncurrent loans to loans | 1.8232% | 2,208 |
| Net loans and leases to total assets | 61.8299% | 3,391 |
| Net loans and leases to deposits | 69.3526% | 3,863 |
| Net loans and leases to core deposits | 71.4853% | 4,128 |
| Total domestic deposits to total assets | 89.1530% | 1,516 |
| Equity capital to assets | 8.6213% | 5,460 |
| Core capital (leverage) ratio | 8.6222% | 5,513 |
| Tier 1 risk-based capital ratio | 13.8011% | 4,436 |
| Total risk-based capital ratio | 15.0553% | 4,383 |
| Memoranda: | ||
| Average total assets | $64,655,000 | 5,633 |
| Average earning assets | $58,161,600 | 5,653 |
| Average equity | $5,586,400 | 5,907 |
| Average total loans | $42,999,000 | 5,233 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 1,776 |
| Cost of funding earning assets | 0.1536% | 6,623 |
| Net interest margin | 4.4859% | 755 |
| Noninterest income to average assets | 0.4233% | 4,345 |
| Noninterest expense to average assets | 3.5863% | 1,425 |
| Loan and lease loss provision to assets | 0.0743% | 3,569 |
| Net operating income to assets | 0.5471% | 4,594 |
| Return on assets (ROA) | 0.5471% | 4,737 |
| Pretax return on assets | 0.8031% | 4,285 |
| Return on Equity (ROE) | 6.3288% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.3288% | 2,221 |
| Net charge-offs to loans | 0.1255% | 3,270 |
| Credit loss provision to net charge-offs | 87.8049% | 2,673 |
| Earnings coverage of net charge-offs (x) | 10.3649% | 2,368 |
| Efficiency ratio | 80.3423% | 2,048 |
| Assets per employee ($millions) | 3.6228% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 4,107 |
| Loan loss allowance to noncurrent loans | 75.6722% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.6546% | 2,484 |
| Noncurrent loans to loans | 1.7899% | 2,511 |
| Net loans and leases to total assets | 66.0042% | 2,636 |
| Net loans and leases to deposits | 73.9668% | 3,236 |
| Net loans and leases to core deposits | 75.9587% | 3,621 |
| Total domestic deposits to total assets | 89.2349% | 1,437 |
| Equity capital to assets | 8.7577% | 5,458 |
| Core capital (leverage) ratio | 8.8946% | 5,268 |
| Tier 1 risk-based capital ratio | 13.7557% | 4,594 |
| Total risk-based capital ratio | 15.0084% | 4,554 |
| Memoranda: | ||
| Average total assets | $64,577,000 | 5,695 |
| Average earning assets | $58,166,500 | 5,708 |
| Average equity | $5,582,750 | 5,981 |
| Average total loans | $43,546,750 | 5,258 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 1,878 |
| Cost of funding earning assets | 0.1618% | 6,663 |
| Net interest margin | 4.4310% | 801 |
| Noninterest income to average assets | 0.4070% | 4,474 |
| Noninterest expense to average assets | 3.5392% | 1,520 |
| Loan and lease loss provision to assets | 0.1119% | 2,944 |
| Net operating income to assets | 0.5220% | 4,710 |
| Return on assets (ROA) | 0.5220% | 4,873 |
| Pretax return on assets | 0.7551% | 4,491 |
| Return on Equity (ROE) | 6.0650% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.0650% | 2,394 |
| Net charge-offs to loans | 0.1930% | 2,599 |
| Credit loss provision to net charge-offs | 85.7143% | 2,521 |
| Earnings coverage of net charge-offs (x) | 6.6429% | 2,682 |
| Efficiency ratio | 80.3244% | 2,112 |
| Assets per employee ($millions) | 3.1496% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 4,340 |
| Loan loss allowance to noncurrent loans | 88.7218% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.4590% | 2,919 |
| Noncurrent loans to loans | 1.5044% | 3,046 |
| Net loans and leases to total assets | 65.9409% | 2,610 |
| Net loans and leases to deposits | 73.5952% | 3,216 |
| Net loans and leases to core deposits | 75.3264% | 3,633 |
| Total domestic deposits to total assets | 89.5995% | 1,268 |
| Equity capital to assets | 8.4925% | 5,774 |
| Core capital (leverage) ratio | 8.9883% | 5,013 |
| Tier 1 risk-based capital ratio | 13.4523% | 4,804 |
| Total risk-based capital ratio | 14.7038% | 4,761 |
| Memoranda: | ||
| Average total assets | $64,365,670 | 5,740 |
| Average earning assets | $58,090,330 | 5,748 |
| Average equity | $5,540,000 | 6,031 |
| Average total loans | $43,518,000 | 5,286 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,582 |
| Cost of funding earning assets | 0.1742% | 6,703 |
| Net interest margin | 4.5090% | 675 |
| Noninterest income to average assets | 0.5167% | 3,663 |
| Noninterest expense to average assets | 3.1507% | 2,511 |
| Loan and lease loss provision to assets | 0.1260% | 2,657 |
| Net operating income to assets | 0.9263% | 2,539 |
| Return on assets (ROA) | 0.9263% | 2,679 |
| Pretax return on assets | 1.3170% | 2,168 |
| Return on Equity (ROE) | 10.6880% | 1,800 |
| Retained earnings to average equity (ytd only) | 10.6880% | 940 |
| Net charge-offs to loans | 0.3428% | 1,618 |
| Credit loss provision to net charge-offs | 54.0541% | 2,546 |
| Earnings coverage of net charge-offs (x) | 6.1892% | 2,258 |
| Efficiency ratio | 68.5871% | 4,208 |
| Assets per employee ($millions) | 3.1838% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,542 |
| Loan loss allowance to noncurrent loans | 58.9013% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 2,950 |
| Noncurrent loans to loans | 2.2639% | 2,313 |
| Net loans and leases to total assets | 67.2823% | 2,143 |
| Net loans and leases to deposits | 75.4154% | 2,717 |
| Net loans and leases to core deposits | 77.7645% | 3,106 |
| Total domestic deposits to total assets | 89.2155% | 1,543 |
| Equity capital to assets | 8.7523% | 5,758 |
| Core capital (leverage) ratio | 8.7889% | 5,205 |
| Tier 1 risk-based capital ratio | 13.5611% | 4,828 |
| Total risk-based capital ratio | 14.8127% | 4,782 |
| Memoranda: | ||
| Average total assets | $63,478,000 | 5,822 |
| Average earning assets | $57,396,500 | 5,814 |
| Average equity | $5,501,500 | 6,100 |
| Average total loans | $43,175,000 | 5,332 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3238% | 884 |
| Cost of funding earning assets | 0.2285% | 6,754 |
| Net interest margin | 5.0954% | 325 |
| Noninterest income to average assets | 0.4882% | 3,974 |
| Noninterest expense to average assets | 3.8486% | 1,170 |
| Loan and lease loss provision to assets | 0.1933% | 3,217 |
| Net operating income to assets | 0.6668% | 3,903 |
| Return on assets (ROA) | 0.6668% | 4,171 |
| Pretax return on assets | 1.0142% | 3,502 |
| Return on Equity (ROE) | 7.5451% | 3,315 |
| Retained earnings to average equity (ytd only) | 3.3740% | 3,847 |
| Net charge-offs to loans | 0.1219% | 4,466 |
| Credit loss provision to net charge-offs | 226.9231% | 1,095 |
| Earnings coverage of net charge-offs (x) | 14.1731% | 1,757 |
| Efficiency ratio | 76.1180% | 2,720 |
| Assets per employee ($millions) | 3.1641% | 5,705 |
| Cash dividends to net income (ytd only)* | 55.2826% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,219 |
| Loan loss allowance to noncurrent loans | 58.6614% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.6087% | 2,977 |
| Noncurrent loans to loans | 2.3667% | 2,271 |
| Net loans and leases to total assets | 66.8969% | 2,382 |
| Net loans and leases to deposits | 74.8912% | 2,981 |
| Net loans and leases to core deposits | 77.8509% | 3,281 |
| Total domestic deposits to total assets | 89.3254% | 1,351 |
| Equity capital to assets | 8.5808% | 5,980 |
| Core capital (leverage) ratio | 8.6195% | 5,438 |
| Tier 1 risk-based capital ratio | 13.2294% | 4,941 |
| Total risk-based capital ratio | 14.4829% | 4,883 |
| Memoranda: | ||
| Average total assets | $61,035,400 | 5,898 |
| Average earning assets | $54,716,200 | 5,902 |
| Average equity | $5,394,200 | 6,182 |
| Average total loans | $42,674,400 | 5,393 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 810 |
| Cost of funding earning assets | 0.2390% | 6,850 |
| Net interest margin | 5.1741% | 303 |
| Noninterest income to average assets | 0.4454% | 4,324 |
| Noninterest expense to average assets | 3.8693% | 1,108 |
| Loan and lease loss provision to assets | 0.2161% | 2,901 |
| Net operating income to assets | 0.6239% | 4,271 |
| Return on assets (ROA) | 0.6239% | 4,528 |
| Pretax return on assets | 0.9899% | 3,752 |
| Return on Equity (ROE) | 7.0065% | 3,813 |
| Retained earnings to average equity (ytd only) | 7.0065% | 2,126 |
| Net charge-offs to loans | 0.1471% | 3,931 |
| Credit loss provision to net charge-offs | 208.5106% | 1,321 |
| Earnings coverage of net charge-offs (x) | 11.6375% | 2,060 |
| Efficiency ratio | 76.2381% | 2,641 |
| Assets per employee ($millions) | 3.4302% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 4,755 |
| Loan loss allowance to noncurrent loans | 56.3531% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.6730% | 3,071 |
| Noncurrent loans to loans | 2.3300% | 2,472 |
| Net loans and leases to total assets | 70.7243% | 1,775 |
| Net loans and leases to deposits | 79.4036% | 2,483 |
| Net loans and leases to core deposits | 82.7030% | 2,873 |
| Total domestic deposits to total assets | 89.0694% | 1,391 |
| Equity capital to assets | 8.9693% | 5,853 |
| Core capital (leverage) ratio | 9.2758% | 4,629 |
| Tier 1 risk-based capital ratio | 13.0029% | 5,248 |
| Total risk-based capital ratio | 14.2537% | 5,210 |
| Memoranda: | ||
| Average total assets | $60,474,000 | 5,979 |
| Average earning assets | $54,114,750 | 5,994 |
| Average equity | $5,385,250 | 6,249 |
| Average total loans | $42,610,750 | 5,460 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3506% | 957 |
| Cost of funding earning assets | 0.2488% | 6,917 |
| Net interest margin | 5.1018% | 336 |
| Noninterest income to average assets | 0.4063% | 4,602 |
| Noninterest expense to average assets | 3.9000% | 1,077 |
| Loan and lease loss provision to assets | 0.1599% | 3,520 |
| Net operating income to assets | 0.5828% | 4,439 |
| Return on assets (ROA) | 0.5828% | 4,704 |
| Pretax return on assets | 0.9226% | 3,992 |
| Return on Equity (ROE) | 6.5613% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.5613% | 2,352 |
| Net charge-offs to loans | 0.2187% | 3,260 |
| Credit loss provision to net charge-offs | 104.3478% | 2,611 |
| Earnings coverage of net charge-offs (x) | 7.0652% | 2,530 |
| Efficiency ratio | 78.2754% | 2,424 |
| Assets per employee ($millions) | 3.1171% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,250 |
| Loan loss allowance to noncurrent loans | 43.9669% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0465% | 2,728 |
| Noncurrent loans to loans | 2.7812% | 2,158 |
| Net loans and leases to total assets | 72.5618% | 1,463 |
| Net loans and leases to deposits | 81.6919% | 2,155 |
| Net loans and leases to core deposits | 85.4065% | 2,503 |
| Total domestic deposits to total assets | 88.8238% | 1,622 |
| Equity capital to assets | 9.1618% | 5,509 |
| Core capital (leverage) ratio | 9.2261% | 4,564 |
| Tier 1 risk-based capital ratio | 12.5537% | 5,531 |
| Total risk-based capital ratio | 13.7879% | 5,522 |
| Memoranda: | ||
| Average total assets | $60,050,670 | 6,021 |
| Average earning assets | $53,863,000 | 6,036 |
| Average equity | $5,334,330 | 6,292 |
| Average total loans | $42,064,670 | 5,512 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2934% | 1,106 |
| Cost of funding earning assets | 0.2573% | 6,990 |
| Net interest margin | 5.0361% | 374 |
| Noninterest income to average assets | 0.3969% | 4,697 |
| Noninterest expense to average assets | 3.9296% | 1,024 |
| Loan and lease loss provision to assets | 0.1588% | 3,393 |
| Net operating income to assets | 0.5491% | 4,601 |
| Return on assets (ROA) | 0.5491% | 4,813 |
| Pretax return on assets | 0.8402% | 4,265 |
| Return on Equity (ROE) | 6.2778% | 4,152 |
| Retained earnings to average equity (ytd only) | 6.2778% | 2,804 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7315% | 2,231 |
| Assets per employee ($millions) | 3.1296% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 4,784 |
| Loan loss allowance to noncurrent loans | 51.1070% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.8263% | 3,142 |
| Noncurrent loans to loans | 2.6512% | 2,452 |
| Net loans and leases to total assets | 67.8287% | 2,140 |
| Net loans and leases to deposits | 76.1402% | 2,778 |
| Net loans and leases to core deposits | 79.5648% | 3,111 |
| Total domestic deposits to total assets | 89.0840% | 1,649 |
| Equity capital to assets | 8.9602% | 5,556 |
| Core capital (leverage) ratio | 9.0612% | 4,748 |
| Tier 1 risk-based capital ratio | 13.0811% | 5,148 |
| Total risk-based capital ratio | 14.3332% | 5,108 |
| Memoranda: | ||
| Average total assets | $60,464,000 | 6,048 |
| Average earning assets | $54,407,500 | 6,052 |
| Average equity | $5,288,500 | 6,341 |
| Average total loans | $41,344,000 | 5,575 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8144% | 623 |
| Cost of funding earning assets | 0.3942% | 6,899 |
| Net interest margin | 5.4202% | 200 |
| Noninterest income to average assets | 0.4701% | 4,054 |
| Noninterest expense to average assets | 4.0118% | 1,024 |
| Loan and lease loss provision to assets | 0.2610% | 3,605 |
| Net operating income to assets | 0.7484% | 3,267 |
| Return on assets (ROA) | 0.7484% | 3,432 |
| Pretax return on assets | 1.0457% | 3,049 |
| Return on Equity (ROE) | 8.3279% | 2,752 |
| Retained earnings to average equity (ytd only) | 4.8659% | 2,737 |
| Net charge-offs to loans | 0.4023% | 3,406 |
| Credit loss provision to net charge-offs | 88.3041% | 4,087 |
| Earnings coverage of net charge-offs (x) | 4.4211% | 3,119 |
| Efficiency ratio | 75.4306% | 2,988 |
| Assets per employee ($millions) | 2.9269% | 6,234 |
| Cash dividends to net income (ytd only)* | 41.5704% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 5,077 |
| Loan loss allowance to noncurrent loans | 48.4904% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.7815% | 3,277 |
| Noncurrent loans to loans | 2.6148% | 2,501 |
| Net loans and leases to total assets | 67.1455% | 2,552 |
| Net loans and leases to deposits | 75.2626% | 3,302 |
| Net loans and leases to core deposits | 79.0057% | 3,571 |
| Total domestic deposits to total assets | 89.2150% | 1,412 |
| Equity capital to assets | 8.5398% | 6,089 |
| Core capital (leverage) ratio | 8.6934% | 5,260 |
| Tier 1 risk-based capital ratio | 12.6416% | 5,336 |
| Total risk-based capital ratio | 13.8924% | 5,326 |
| Memoranda: | ||
| Average total assets | $57,854,400 | 6,111 |
| Average earning assets | $51,750,400 | 6,131 |
| Average equity | $5,199,400 | 6,387 |
| Average total loans | $42,509,200 | 5,579 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9230% | 536 |
| Cost of funding earning assets | 0.4247% | 6,955 |
| Net interest margin | 5.4982% | 174 |
| Noninterest income to average assets | 0.4940% | 3,917 |
| Noninterest expense to average assets | 4.1227% | 868 |
| Loan and lease loss provision to assets | 0.1054% | 5,131 |
| Net operating income to assets | 0.7234% | 3,489 |
| Return on assets (ROA) | 0.7234% | 3,673 |
| Pretax return on assets | 1.1752% | 2,717 |
| Return on Equity (ROE) | 7.9427% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.9427% | 1,526 |
| Net charge-offs to loans | 0.0156% | 5,933 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 109.3433% | 330 |
| Efficiency ratio | 76.2998% | 2,797 |
| Assets per employee ($millions) | 2.8178% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,734 |
| Loan loss allowance to noncurrent loans | 75.2551% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.3283% | 4,152 |
| Noncurrent loans to loans | 1.8070% | 3,630 |
| Net loans and leases to total assets | 72.3257% | 1,640 |
| Net loans and leases to deposits | 81.3341% | 2,479 |
| Net loans and leases to core deposits | 85.1210% | 2,896 |
| Total domestic deposits to total assets | 88.9242% | 1,469 |
| Equity capital to assets | 9.0530% | 5,686 |
| Core capital (leverage) ratio | 9.3912% | 4,319 |
| Tier 1 risk-based capital ratio | 12.6148% | 5,398 |
| Total risk-based capital ratio | 13.8664% | 5,373 |
| Memoranda: | ||
| Average total assets | $56,951,750 | 6,184 |
| Average earning assets | $50,851,500 | 6,207 |
| Average equity | $5,187,000 | 6,444 |
| Average total loans | $42,686,250 | 5,619 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0489% | 435 |
| Cost of funding earning assets | 0.4429% | 7,035 |
| Net interest margin | 5.6060% | 152 |
| Noninterest income to average assets | 0.5017% | 3,847 |
| Noninterest expense to average assets | 4.1487% | 875 |
| Loan and lease loss provision to assets | 0.0712% | 5,419 |
| Net operating income to assets | 0.7970% | 3,093 |
| Return on assets (ROA) | 0.7970% | 3,216 |
| Pretax return on assets | 1.2809% | 2,203 |
| Return on Equity (ROE) | 8.7324% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.7324% | 1,196 |
| Net charge-offs to loans | 0.0236% | 5,503 |
| Credit loss provision to net charge-offs | 400.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 449 |
| Efficiency ratio | 75.4204% | 3,114 |
| Assets per employee ($millions) | 2.5513% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 4,932 |
| Loan loss allowance to noncurrent loans | 66.4706% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.5180% | 3,925 |
| Noncurrent loans to loans | 1.9982% | 3,480 |
| Net loans and leases to total assets | 74.7809% | 1,266 |
| Net loans and leases to deposits | 84.4561% | 2,039 |
| Net loans and leases to core deposits | 87.5550% | 2,694 |
| Total domestic deposits to total assets | 88.5440% | 1,823 |
| Equity capital to assets | 9.3857% | 5,009 |
| Core capital (leverage) ratio | 9.4037% | 4,107 |
| Tier 1 risk-based capital ratio | 12.2140% | 5,598 |
| Total risk-based capital ratio | 13.4637% | 5,582 |
| Memoranda: | ||
| Average total assets | $56,211,000 | 6,255 |
| Average earning assets | $50,125,000 | 6,285 |
| Average equity | $5,130,330 | 6,491 |
| Average total loans | $42,452,330 | 5,686 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8665% | 648 |
| Cost of funding earning assets | 0.4458% | 7,123 |
| Net interest margin | 5.4207% | 188 |
| Noninterest income to average assets | 0.4266% | 4,483 |
| Noninterest expense to average assets | 4.1740% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6826% | 3,598 |
| Return on assets (ROA) | 0.6826% | 3,665 |
| Pretax return on assets | 1.0951% | 2,773 |
| Return on Equity (ROE) | 7.5867% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.5867% | 1,899 |
| Net charge-offs to loans | -0.0094% | 6,352 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2173% | 2,662 |
| Assets per employee ($millions) | 2.6646% | 6,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 5,143 |
| Loan loss allowance to noncurrent loans | 63.3333% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 3,914 |
| Noncurrent loans to loans | 2.0487% | 3,512 |
| Net loans and leases to total assets | 74.9057% | 1,200 |
| Net loans and leases to deposits | 84.4856% | 1,953 |
| Net loans and leases to core deposits | 88.1326% | 2,579 |
| Total domestic deposits to total assets | 88.6609% | 1,980 |
| Equity capital to assets | 9.1767% | 4,908 |
| Core capital (leverage) ratio | 9.2701% | 4,173 |
| Tier 1 risk-based capital ratio | 11.9216% | 5,759 |
| Total risk-based capital ratio | 13.1726% | 5,751 |
| Memoranda: | ||
| Average total assets | $56,252,500 | 6,302 |
| Average earning assets | $50,251,500 | 6,335 |
| Average equity | $5,061,500 | 6,539 |
| Average total loans | $42,409,500 | 5,732 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2491% | 510 |
| Cost of funding earning assets | 0.5594% | 7,208 |
| Net interest margin | 5.6897% | 130 |
| Noninterest income to average assets | 0.6337% | 3,256 |
| Noninterest expense to average assets | 4.2194% | 884 |
| Loan and lease loss provision to assets | 0.3966% | 3,738 |
| Net operating income to assets | 0.6300% | 3,532 |
| Return on assets (ROA) | 0.6300% | 3,693 |
| Pretax return on assets | 1.0692% | 2,703 |
| Return on Equity (ROE) | 6.8207% | 3,203 |
| Retained earnings to average equity (ytd only) | 2.3070% | 4,263 |
| Net charge-offs to loans | 0.2885% | 4,578 |
| Credit loss provision to net charge-offs | 181.3559% | 1,821 |
| Earnings coverage of net charge-offs (x) | 6.7034% | 2,299 |
| Efficiency ratio | 74.2177% | 3,352 |
| Assets per employee ($millions) | 2.6928% | 6,700 |
| Cash dividends to net income (ytd only)* | 66.1765% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 5,010 |
| Loan loss allowance to noncurrent loans | 57.7125% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 3,765 |
| Noncurrent loans to loans | 2.2501% | 3,274 |
| Net loans and leases to total assets | 73.9248% | 1,675 |
| Net loans and leases to deposits | 83.5776% | 2,517 |
| Net loans and leases to core deposits | 87.1404% | 3,165 |
| Total domestic deposits to total assets | 88.4505% | 1,978 |
| Equity capital to assets | 8.8208% | 5,401 |
| Core capital (leverage) ratio | 8.9681% | 4,596 |
| Tier 1 risk-based capital ratio | 9.6648% | 7,089 |
| Total risk-based capital ratio | 10.7322% | 7,148 |
| Memoranda: | ||
| Average total assets | $53,964,600 | 6,404 |
| Average earning assets | $47,911,200 | 6,435 |
| Average equity | $4,984,800 | 6,667 |
| Average total loans | $40,900,600 | 5,892 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0970% | 766 |
| Cost of funding earning assets | 0.5812% | 7,323 |
| Net interest margin | 5.5158% | 171 |
| Noninterest income to average assets | 0.6427% | 3,170 |
| Noninterest expense to average assets | 4.2486% | 777 |
| Loan and lease loss provision to assets | 0.1876% | 5,168 |
| Net operating income to assets | 0.6652% | 3,574 |
| Return on assets (ROA) | 0.6652% | 3,739 |
| Pretax return on assets | 1.0953% | 2,840 |
| Return on Equity (ROE) | 7.1160% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.1160% | 1,790 |
| Net charge-offs to loans | 0.0033% | 6,637 |
| Credit loss provision to net charge-offs | 7,500.0000% | 37 |
| Earnings coverage of net charge-offs (x) | 514.2707% | 61 |
| Efficiency ratio | 76.8083% | 2,795 |
| Assets per employee ($millions) | 2.5933% | 6,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 4,979 |
| Loan loss allowance to noncurrent loans | 45.7143% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 3,299 |
| Noncurrent loans to loans | 2.8382% | 2,817 |
| Net loans and leases to total assets | 73.7550% | 1,847 |
| Net loans and leases to deposits | 83.4362% | 2,800 |
| Net loans and leases to core deposits | 87.1245% | 3,501 |
| Total domestic deposits to total assets | 88.3970% | 1,729 |
| Equity capital to assets | 9.3243% | 5,096 |
| Core capital (leverage) ratio | 9.4452% | 3,996 |
| Tier 1 risk-based capital ratio | 12.2762% | 5,203 |
| Total risk-based capital ratio | 13.5267% | 5,172 |
| Memoranda: | ||
| Average total assets | $53,318,750 | 6,500 |
| Average earning assets | $47,257,000 | 6,547 |
| Average equity | $4,984,000 | 6,754 |
| Average total loans | $40,537,500 | 5,983 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1800% | 648 |
| Cost of funding earning assets | 0.5983% | 7,411 |
| Net interest margin | 5.5817% | 149 |
| Noninterest income to average assets | 0.6309% | 3,120 |
| Noninterest expense to average assets | 4.3145% | 712 |
| Loan and lease loss provision to assets | 0.1889% | 4,988 |
| Net operating income to assets | 0.6498% | 3,626 |
| Return on assets (ROA) | 0.6498% | 3,782 |
| Pretax return on assets | 1.0616% | 2,895 |
| Return on Equity (ROE) | 6.9457% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.9457% | 1,856 |
| Net charge-offs to loans | 0.0099% | 6,215 |
| Credit loss provision to net charge-offs | 2,500.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 165.5000% | 214 |
| Efficiency ratio | 77.5289% | 2,805 |
| Assets per employee ($millions) | 2.5667% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 5,527 |
| Loan loss allowance to noncurrent loans | 42.0084% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 2.4619% | 2,921 |
| Noncurrent loans to loans | 2.8237% | 2,836 |
| Net loans and leases to total assets | 77.5830% | 1,180 |
| Net loans and leases to deposits | 87.5751% | 2,248 |
| Net loans and leases to core deposits | 91.1107% | 3,108 |
| Total domestic deposits to total assets | 88.5902% | 1,685 |
| Equity capital to assets | 9.2188% | 5,115 |
| Core capital (leverage) ratio | 9.4334% | 3,915 |
| Tier 1 risk-based capital ratio | 11.5438% | 5,720 |
| Total risk-based capital ratio | 12.7138% | 5,780 |
| Memoranda: | ||
| Average total assets | $52,938,330 | 6,553 |
| Average earning assets | $46,796,000 | 6,596 |
| Average equity | $4,952,670 | 6,793 |
| Average total loans | $40,485,000 | 6,028 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1669% | 683 |
| Cost of funding earning assets | 0.6347% | 7,483 |
| Net interest margin | 5.5322% | 171 |
| Noninterest income to average assets | 0.6253% | 3,117 |
| Noninterest expense to average assets | 4.3235% | 703 |
| Loan and lease loss provision to assets | 0.1906% | 4,592 |
| Net operating income to assets | 0.6329% | 3,741 |
| Return on assets (ROA) | 0.6329% | 3,864 |
| Pretax return on assets | 1.0294% | 2,970 |
| Return on Equity (ROE) | 6.7145% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.7145% | 2,262 |
| Net charge-offs to loans | 0.0101% | 5,447 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 209 |
| Efficiency ratio | 77.9917% | 2,896 |
| Assets per employee ($millions) | 2.4800% | 7,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 5,387 |
| Loan loss allowance to noncurrent loans | 125.1309% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 5,168 |
| Noncurrent loans to loans | 0.9761% | 5,374 |
| Net loans and leases to total assets | 74.2243% | 1,925 |
| Net loans and leases to deposits | 83.8962% | 2,955 |
| Net loans and leases to core deposits | 87.3049% | 3,709 |
| Total domestic deposits to total assets | 88.4716% | 1,813 |
| Equity capital to assets | 9.3817% | 4,705 |
| Core capital (leverage) ratio | 9.3984% | 3,906 |
| Tier 1 risk-based capital ratio | 12.1541% | 5,033 |
| Total risk-based capital ratio | 13.3480% | 5,056 |
| Memoranda: | ||
| Average total assets | $52,457,000 | 6,652 |
| Average earning assets | $46,636,000 | 6,677 |
| Average equity | $4,944,500 | 6,862 |
| Average total loans | $39,567,500 | 6,143 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6515% | 513 |
| Cost of funding earning assets | 0.8735% | 7,448 |
| Net interest margin | 5.7780% | 136 |
| Noninterest income to average assets | 0.6843% | 3,061 |
| Noninterest expense to average assets | 4.3513% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9067% | 2,156 |
| Return on assets (ROA) | 0.9067% | 2,218 |
| Pretax return on assets | 1.4683% | 1,265 |
| Return on Equity (ROE) | 9.4152% | 1,884 |
| Retained earnings to average equity (ytd only) | 3.4436% | 2,756 |
| Net charge-offs to loans | 0.7301% | 3,007 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 2.6054% | 3,814 |
| Efficiency ratio | 74.7694% | 3,745 |
| Assets per employee ($millions) | 2.5159% | 7,183 |
| Cash dividends to net income (ytd only)* | 63.4249% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,721 |
| Loan loss allowance to noncurrent loans | 242.7807% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 6,551 |
| Noncurrent loans to loans | 0.4675% | 6,323 |
| Net loans and leases to total assets | 74.8514% | 2,064 |
| Net loans and leases to deposits | 84.7811% | 3,124 |
| Net loans and leases to core deposits | 95.3905% | 4,527 |
| Total domestic deposits to total assets | 88.2878% | 1,830 |
| Equity capital to assets | 9.4693% | 4,459 |
| Core capital (leverage) ratio | 9.4307% | 3,801 |
| Tier 1 risk-based capital ratio | 12.3934% | 4,601 |
| Total risk-based capital ratio | 13.5221% | 4,670 |
| Memoranda: | ||
| Average total assets | $52,167,800 | 6,632 |
| Average earning assets | $46,365,200 | 6,671 |
| Average equity | $5,023,800 | 6,933 |
| Average total loans | $40,271,200 | 6,093 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7307% | 482 |
| Cost of funding earning assets | 0.9124% | 7,533 |
| Net interest margin | 5.8182% | 132 |
| Noninterest income to average assets | 0.6846% | 3,123 |
| Noninterest expense to average assets | 4.3665% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9179% | 2,349 |
| Return on assets (ROA) | 0.9179% | 2,424 |
| Pretax return on assets | 1.4845% | 1,462 |
| Return on Equity (ROE) | 9.4914% | 2,103 |
| Retained earnings to average equity (ytd only) | 9.4914% | 735 |
| Net charge-offs to loans | 0.9651% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 1.9829% | 4,332 |
| Efficiency ratio | 74.6275% | 3,760 |
| Assets per employee ($millions) | 2.4300% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 5,853 |
| Loan loss allowance to noncurrent loans | 233.8462% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 6,492 |
| Noncurrent loans to loans | 0.4610% | 6,396 |
| Net loans and leases to total assets | 81.9894% | 816 |
| Net loans and leases to deposits | 93.0895% | 2,045 |
| Net loans and leases to core deposits | 103.8007% | 3,963 |
| Total domestic deposits to total assets | 88.0759% | 1,623 |
| Equity capital to assets | 10.2252% | 3,818 |
| Core capital (leverage) ratio | 10.1424% | 3,125 |
| Tier 1 risk-based capital ratio | 12.5505% | 4,499 |
| Total risk-based capital ratio | 13.6545% | 4,570 |
| Memoranda: | ||
| Average total assets | $52,001,250 | 6,687 |
| Average earning assets | $46,175,500 | 6,728 |
| Average equity | $5,029,000 | 6,988 |
| Average total loans | $40,338,750 | 6,141 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5114% | 805 |
| Cost of funding earning assets | 0.9578% | 7,611 |
| Net interest margin | 5.5536% | 172 |
| Noninterest income to average assets | 0.6613% | 3,255 |
| Noninterest expense to average assets | 4.2083% | 1,061 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8677% | 2,580 |
| Return on assets (ROA) | 0.8677% | 2,686 |
| Pretax return on assets | 1.3951% | 1,742 |
| Return on Equity (ROE) | 9.1422% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.1422% | 902 |
| Net charge-offs to loans | 1.4715% | 1,290 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,595 |
| Efficiency ratio | 75.1023% | 3,861 |
| Assets per employee ($millions) | 2.2326% | 7,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 5,775 |
| Loan loss allowance to noncurrent loans | 276.3636% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 6,653 |
| Noncurrent loans to loans | 0.3878% | 6,539 |
| Net loans and leases to total assets | 81.9727% | 962 |
| Net loans and leases to deposits | 92.6363% | 2,338 |
| Net loans and leases to core deposits | 103.3160% | 4,145 |
| Total domestic deposits to total assets | 88.4888% | 1,532 |
| Equity capital to assets | 9.8909% | 4,092 |
| Core capital (leverage) ratio | 9.6312% | 3,730 |
| Tier 1 risk-based capital ratio | 12.1931% | 4,762 |
| Total risk-based capital ratio | 13.2928% | 4,803 |
| Memoranda: | ||
| Average total assets | $52,324,670 | 6,733 |
| Average earning assets | $46,564,330 | 6,770 |
| Average equity | $4,966,000 | 7,077 |
| Average total loans | $39,686,330 | 6,214 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9844% | 2,421 |
| Cost of funding earning assets | 0.9847% | 7,693 |
| Net interest margin | 4.9997% | 401 |
| Noninterest income to average assets | 0.6438% | 3,240 |
| Noninterest expense to average assets | 4.1430% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5983% | 4,018 |
| Return on assets (ROA) | 0.5983% | 4,214 |
| Pretax return on assets | 0.9619% | 3,494 |
| Return on Equity (ROE) | 6.4365% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.4365% | 2,445 |
| Net charge-offs to loans | -0.0105% | 7,284 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1573% | 2,656 |
| Assets per employee ($millions) | 2.4736% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 1,559 |
| Loan loss allowance to noncurrent loans | 189.1414% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 5,251 |
| Noncurrent loans to loans | 1.0201% | 4,956 |
| Net loans and leases to total assets | 73.2896% | 2,941 |
| Net loans and leases to deposits | 82.4422% | 4,215 |
| Net loans and leases to core deposits | 91.3039% | 5,423 |
| Total domestic deposits to total assets | 88.8981% | 1,275 |
| Equity capital to assets | 9.5368% | 4,621 |
| Core capital (leverage) ratio | 9.2365% | 4,354 |
| Tier 1 risk-based capital ratio | 12.6937% | 4,397 |
| Total risk-based capital ratio | 13.9532% | 4,309 |
| Memoranda: | ||
| Average total assets | $52,812,000 | 6,748 |
| Average earning assets | $47,122,500 | 6,789 |
| Average equity | $4,909,500 | 7,142 |
| Average total loans | $38,255,000 | 6,319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3459% | 547 |
| Cost of funding earning assets | 1.4284% | 7,712 |
| Net interest margin | 5.9175% | 119 |
| Noninterest income to average assets | 1.7913% | 419 |
| Noninterest expense to average assets | 4.2747% | 1,077 |
| Loan and lease loss provision to assets | 0.8538% | 1,745 |
| Net operating income to assets | 1.3577% | 1,331 |
| Return on assets (ROA) | 1.3577% | 1,289 |
| Pretax return on assets | 1.9092% | 751 |
| Return on Equity (ROE) | 14.4728% | 1,017 |
| Retained earnings to average equity (ytd only) | 5.3513% | 1,836 |
| Net charge-offs to loans | 0.1437% | 4,780 |
| Credit loss provision to net charge-offs | 801.7857% | 543 |
| Earnings coverage of net charge-offs (x) | 25.9464% | 1,310 |
| Efficiency ratio | 60.7403% | 6,214 |
| Assets per employee ($millions) | 2.4399% | 7,328 |
| Cash dividends to net income (ytd only)* | 63.0252% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9846% | 1,251 |
| Loan loss allowance to noncurrent loans | 139.8131% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0004% | 4,330 |
| Noncurrent loans to loans | 1.4195% | 3,679 |
| Net loans and leases to total assets | 68.8215% | 4,296 |
| Net loans and leases to deposits | 77.7088% | 5,377 |
| Net loans and leases to core deposits | 85.0121% | 6,210 |
| Total domestic deposits to total assets | 88.5633% | 1,223 |
| Equity capital to assets | 9.0633% | 5,277 |
| Core capital (leverage) ratio | 9.0187% | 4,713 |
| Tier 1 risk-based capital ratio | 12.6110% | 4,358 |
| Total risk-based capital ratio | 13.8700% | 4,264 |
| Memoranda: | ||
| Average total assets | $52,588,600 | 6,675 |
| Average earning assets | $46,624,600 | 6,734 |
| Average equity | $4,933,400 | 7,168 |
| Average total loans | $38,971,600 | 6,227 |