Home > Great Plains Bank > Performance and Condition Ratios
Great Plains Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1098% | 1,839 |
| Cost of funding earning assets | 1.3919% | 2,251 |
| Net interest margin | 3.7179% | 1,723 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.7570% | 4,058 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.7090% | 723 |
| Return on assets (ROA) | 1.7336% | 657 |
| Pretax return on assets | 1.8432% | 838 |
| Return on Equity (ROE) | 12.3900% | 1,867 |
| Retained earnings to average equity (ytd only) | 8.6976% | 1,336 |
| Net charge-offs to loans | 0.1009% | 903 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 27.3700% | 1,684 |
| Efficiency ratio | 48.2315% | 4,078 |
| Assets per employee ($millions) | 7.4185% | 1,794 |
| Cash dividends to net income (ytd only)* | 29.8092% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 1,104 |
| Loan loss allowance to noncurrent loans | 83.2251% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.5111% | 246 |
| Noncurrent loans to loans | 1.7824% | 338 |
| Net loans and leases to total assets | 68.8400% | 1,942 |
| Net loans and leases to deposits | 86.0754% | 1,608 |
| Net loans and leases to core deposits | 104.4609% | 1,195 |
| Total domestic deposits to total assets | 79.9800% | 3,468 |
| Equity capital to assets | 14.4564% | 608 |
| Core capital (leverage) ratio | 15.2563% | 582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $145,130,000 | 3,409 |
| Average earning assets | $138,947,600 | 3,357 |
| Average equity | $20,304,400 | 2,834 |
| Average total loans | $99,147,600 | 3,185 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,958 |
| Cost of funding earning assets | 1.2937% | 2,167 |
| Net interest margin | 3.6518% | 1,881 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.7646% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7102% | 784 |
| Return on assets (ROA) | 1.7276% | 744 |
| Pretax return on assets | 1.8348% | 953 |
| Return on Equity (ROE) | 12.4500% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.1248% | 1,650 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.2776% | 3,965 |
| Assets per employee ($millions) | 7.1215% | 1,864 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 906 |
| Loan loss allowance to noncurrent loans | 77.2476% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.6745% | 200 |
| Noncurrent loans to loans | 2.0566% | 286 |
| Net loans and leases to total assets | 66.8900% | 2,169 |
| Net loans and leases to deposits | 80.0703% | 2,045 |
| Net loans and leases to core deposits | 97.0599% | 1,503 |
| Total domestic deposits to total assets | 83.5400% | 2,892 |
| Equity capital to assets | 14.4402% | 591 |
| Core capital (leverage) ratio | 15.0127% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $144,320,000 | 3,423 |
| Average earning assets | $138,411,000 | 3,368 |
| Average equity | $20,018,250 | 2,845 |
| Average total loans | $98,014,000 | 3,198 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 1,927 |
| Cost of funding earning assets | 1.2009% | 1,989 |
| Net interest margin | 3.6301% | 1,971 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.5730% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8872% | 573 |
| Return on assets (ROA) | 1.9069% | 547 |
| Pretax return on assets | 2.0076% | 734 |
| Return on Equity (ROE) | 13.9300% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.4140% | 1,100 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.1860% | 4,246 |
| Assets per employee ($millions) | 7.0811% | 1,864 |
| Cash dividends to net income (ytd only)* | 18.0897% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,040 |
| Loan loss allowance to noncurrent loans | 83.5416% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 300 |
| Noncurrent loans to loans | 1.8531% | 321 |
| Net loans and leases to total assets | 69.0600% | 1,845 |
| Net loans and leases to deposits | 83.0648% | 1,755 |
| Net loans and leases to core deposits | 97.5612% | 1,378 |
| Total domestic deposits to total assets | 83.1400% | 3,013 |
| Equity capital to assets | 14.4307% | 585 |
| Core capital (leverage) ratio | 14.9503% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $144,950,333 | 3,428 |
| Average earning assets | $139,057,667 | 3,375 |
| Average equity | $19,835,333 | 2,881 |
| Average total loans | $98,414,667 | 3,192 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 1,657 |
| Cost of funding earning assets | 1.1164% | 1,710 |
| Net interest margin | 3.6704% | 1,970 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.3423% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1698% | 389 |
| Return on assets (ROA) | 2.1908% | 372 |
| Pretax return on assets | 2.2863% | 498 |
| Return on Equity (ROE) | 16.4400% | 1,273 |
| Retained earnings to average equity (ytd only) | 16.4427% | 647 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.2163% | 4,507 |
| Assets per employee ($millions) | 7.1202% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 963 |
| Loan loss allowance to noncurrent loans | 109.3106% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 419 |
| Noncurrent loans to loans | 1.4867% | 438 |
| Net loans and leases to total assets | 65.3800% | 2,122 |
| Net loans and leases to deposits | 77.7688% | 1,984 |
| Net loans and leases to core deposits | 90.2258% | 1,603 |
| Total domestic deposits to total assets | 84.0700% | 3,080 |
| Equity capital to assets | 14.0889% | 585 |
| Core capital (leverage) ratio | 14.3022% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $146,614,500 | 3,456 |
| Average earning assets | $140,804,000 | 3,400 |
| Average equity | $19,534,500 | 2,928 |
| Average total loans | $97,949,000 | 3,234 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 1,790 |
| Cost of funding earning assets | 0.4966% | 1,408 |
| Net interest margin | 3.4748% | 2,011 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 1.6413% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6351% | 632 |
| Return on assets (ROA) | 1.6338% | 601 |
| Pretax return on assets | 1.6975% | 921 |
| Return on Equity (ROE) | 13.7500% | 1,587 |
| Retained earnings to average equity (ytd only) | 12.0247% | 660 |
| Net charge-offs to loans | -0.0137% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.1390% | 4,180 |
| Assets per employee ($millions) | 7.5413% | 1,592 |
| Cash dividends to net income (ytd only)* | 12.5733% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,150 |
| Loan loss allowance to noncurrent loans | 103.9189% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1245% | 354 |
| Noncurrent loans to loans | 1.4616% | 449 |
| Net loans and leases to total assets | 66.1100% | 2,030 |
| Net loans and leases to deposits | 79.5117% | 1,810 |
| Net loans and leases to core deposits | 93.5915% | 1,314 |
| Total domestic deposits to total assets | 83.1500% | 3,387 |
| Equity capital to assets | 12.6013% | 785 |
| Core capital (leverage) ratio | 13.5191% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $146,041,200 | 3,480 |
| Average earning assets | $137,734,800 | 3,443 |
| Average equity | $17,347,600 | 3,181 |
| Average total loans | $95,202,600 | 3,215 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 1,821 |
| Cost of funding earning assets | 0.4184% | 1,168 |
| Net interest margin | 3.3591% | 2,106 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.6652% | 4,212 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5122% | 829 |
| Return on assets (ROA) | 1.5050% | 816 |
| Pretax return on assets | 1.5391% | 1,303 |
| Return on Equity (ROE) | 12.8700% | 1,745 |
| Retained earnings to average equity (ytd only) | 10.5118% | 1,195 |
| Net charge-offs to loans | -0.0185% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.8487% | 4,024 |
| Assets per employee ($millions) | 7.2905% | 1,759 |
| Cash dividends to net income (ytd only)* | 18.3486% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 1,054 |
| Loan loss allowance to noncurrent loans | 99.1618% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.4498% | 240 |
| Noncurrent loans to loans | 1.6195% | 418 |
| Net loans and leases to total assets | 64.6300% | 2,022 |
| Net loans and leases to deposits | 73.9972% | 2,048 |
| Net loans and leases to core deposits | 84.9820% | 1,586 |
| Total domestic deposits to total assets | 87.3400% | 2,652 |
| Equity capital to assets | 10.0700% | 1,581 |
| Core capital (leverage) ratio | 13.1024% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,845,000 | 3,515 |
| Average earning assets | $135,746,500 | 3,488 |
| Average equity | $16,933,000 | 3,244 |
| Average total loans | $93,689,250 | 3,249 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 1,551 |
| Cost of funding earning assets | 0.4244% | 784 |
| Net interest margin | 3.2702% | 1,994 |
| Noninterest income to average assets | 0.0706% | 4,580 |
| Noninterest expense to average assets | 1.6717% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4015% | 904 |
| Return on assets (ROA) | 1.3908% | 902 |
| Pretax return on assets | 1.4378% | 1,335 |
| Return on Equity (ROE) | 11.3668% | 1,872 |
| Retained earnings to average equity (ytd only) | 7.9738% | 1,629 |
| Net charge-offs to loans | -0.0280% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5698% | 4,001 |
| Assets per employee ($millions) | 7.2337% | 1,782 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 927 |
| Loan loss allowance to noncurrent loans | 76.1009% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 271 |
| Noncurrent loans to loans | 2.2614% | 274 |
| Net loans and leases to total assets | 60.7089% | 2,248 |
| Net loans and leases to deposits | 69.3076% | 2,274 |
| Net loans and leases to core deposits | 85.0555% | 1,391 |
| Total domestic deposits to total assets | 87.5935% | 2,733 |
| Equity capital to assets | 11.8605% | 923 |
| Core capital (leverage) ratio | 12.9968% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,523,333 | 3,557 |
| Average earning assets | $134,793,333 | 3,549 |
| Average equity | $17,683,000 | 3,263 |
| Average total loans | $92,995,000 | 3,285 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 515 |
| Cost of funding earning assets | 0.4349% | 706 |
| Net interest margin | 3.7645% | 673 |
| Noninterest income to average assets | 0.0720% | 4,601 |
| Noninterest expense to average assets | 1.3624% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1240% | 177 |
| Return on assets (ROA) | 2.1267% | 176 |
| Pretax return on assets | 2.1876% | 262 |
| Return on Equity (ROE) | 17.1190% | 408 |
| Retained earnings to average equity (ytd only) | 17.1190% | 172 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4075% | 4,675 |
| Assets per employee ($millions) | 7.2200% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 1,082 |
| Loan loss allowance to noncurrent loans | 73.0714% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.4453% | 254 |
| Noncurrent loans to loans | 2.3031% | 283 |
| Net loans and leases to total assets | 61.6978% | 1,898 |
| Net loans and leases to deposits | 70.7470% | 1,887 |
| Net loans and leases to core deposits | 87.6044% | 1,045 |
| Total domestic deposits to total assets | 87.2091% | 2,851 |
| Equity capital to assets | 12.2480% | 874 |
| Core capital (leverage) ratio | 13.0458% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,448,000 | 3,572 |
| Average earning assets | $133,352,500 | 3,586 |
| Average equity | $17,945,000 | 3,333 |
| Average total loans | $94,808,500 | 3,263 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6984% | 108 |
| Cost of funding earning assets | 0.5665% | 645 |
| Net interest margin | 5.1319% | 116 |
| Noninterest income to average assets | 0.1009% | 4,600 |
| Noninterest expense to average assets | 1.8441% | 4,059 |
| Loan and lease loss provision to assets | 0.2469% | 385 |
| Net operating income to assets | 2.5009% | 158 |
| Return on assets (ROA) | 2.5009% | 161 |
| Pretax return on assets | 2.6815% | 207 |
| Return on Equity (ROE) | 19.6471% | 330 |
| Retained earnings to average equity (ytd only) | 9.9482% | 931 |
| Net charge-offs to loans | 0.2202% | 421 |
| Credit loss provision to net charge-offs | 145.8333% | 1,508 |
| Earnings coverage of net charge-offs (x) | 17.2958% | 1,947 |
| Efficiency ratio | 38.6401% | 4,709 |
| Assets per employee ($millions) | 7.2249% | 1,778 |
| Cash dividends to net income (ytd only)* | 49.3653% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,424 |
| Loan loss allowance to noncurrent loans | 49.9182% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 2.1142% | 145 |
| Noncurrent loans to loans | 3.0858% | 188 |
| Net loans and leases to total assets | 67.4588% | 1,324 |
| Net loans and leases to deposits | 77.7612% | 1,418 |
| Net loans and leases to core deposits | 96.4708% | 670 |
| Total domestic deposits to total assets | 86.7513% | 2,598 |
| Equity capital to assets | 12.5982% | 1,031 |
| Core capital (leverage) ratio | 12.3634% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,750,400 | 3,568 |
| Average earning assets | $129,037,200 | 3,589 |
| Average equity | $18,043,400 | 3,380 |
| Average total loans | $108,989,600 | 3,092 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3307% | 67 |
| Cost of funding earning assets | 0.5831% | 693 |
| Net interest margin | 5.7476% | 72 |
| Noninterest income to average assets | 0.0907% | 4,703 |
| Noninterest expense to average assets | 1.6947% | 4,336 |
| Loan and lease loss provision to assets | 0.0943% | 1,264 |
| Net operating income to assets | 3.3450% | 91 |
| Return on assets (ROA) | 3.3450% | 94 |
| Pretax return on assets | 3.5841% | 114 |
| Return on Equity (ROE) | 26.2094% | 147 |
| Retained earnings to average equity (ytd only) | 15.8412% | 311 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5391% | 4,854 |
| Assets per employee ($millions) | 7.3687% | 1,643 |
| Cash dividends to net income (ytd only)* | 39.5592% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,958 |
| Loan loss allowance to noncurrent loans | 36.4709% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.8187% | 98 |
| Noncurrent loans to loans | 3.8843% | 137 |
| Net loans and leases to total assets | 71.5389% | 916 |
| Net loans and leases to deposits | 82.4360% | 1,073 |
| Net loans and leases to core deposits | 111.5427% | 296 |
| Total domestic deposits to total assets | 86.7812% | 2,438 |
| Equity capital to assets | 12.6407% | 1,109 |
| Core capital (leverage) ratio | 12.4067% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,063,750 | 3,618 |
| Average earning assets | $129,651,500 | 3,616 |
| Average equity | $18,003,250 | 3,428 |
| Average total loans | $111,486,750 | 3,095 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6740% | 30 |
| Cost of funding earning assets | 0.5994% | 750 |
| Net interest margin | 7.0745% | 33 |
| Noninterest income to average assets | 0.0979% | 4,696 |
| Noninterest expense to average assets | 1.7991% | 4,183 |
| Loan and lease loss provision to assets | 0.1439% | 841 |
| Net operating income to assets | 4.4099% | 62 |
| Return on assets (ROA) | 4.4099% | 62 |
| Pretax return on assets | 4.7625% | 69 |
| Return on Equity (ROE) | 34.4373% | 68 |
| Retained earnings to average equity (ytd only) | 24.8839% | 73 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8298% | 4,912 |
| Assets per employee ($millions) | 7.1779% | 1,676 |
| Cash dividends to net income (ytd only)* | 27.7415% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,628 |
| Loan loss allowance to noncurrent loans | 29.7935% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 3.5421% | 70 |
| Noncurrent loans to loans | 4.2362% | 119 |
| Net loans and leases to total assets | 82.5616% | 197 |
| Net loans and leases to deposits | 95.5754% | 395 |
| Net loans and leases to core deposits | 129.6595% | 130 |
| Total domestic deposits to total assets | 86.3838% | 2,599 |
| Equity capital to assets | 13.0192% | 936 |
| Core capital (leverage) ratio | 12.8067% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,960,667 | 3,646 |
| Average earning assets | $129,789,333 | 3,632 |
| Average equity | $17,794,667 | 3,447 |
| Average total loans | $113,001,000 | 3,080 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0827% | 44 |
| Cost of funding earning assets | 0.6171% | 814 |
| Net interest margin | 6.4656% | 45 |
| Noninterest income to average assets | 0.0820% | 4,756 |
| Noninterest expense to average assets | 1.8498% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.9806% | 81 |
| Return on assets (ROA) | 3.9806% | 83 |
| Pretax return on assets | 4.2118% | 95 |
| Return on Equity (ROE) | 31.3599% | 117 |
| Retained earnings to average equity (ytd only) | 23.2893% | 173 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5167% | 4,906 |
| Assets per employee ($millions) | 7.0489% | 1,774 |
| Cash dividends to net income (ytd only)* | 25.7353% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,937 |
| Loan loss allowance to noncurrent loans | 39.6248% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.5330% | 156 |
| Noncurrent loans to loans | 3.0274% | 256 |
| Net loans and leases to total assets | 82.6668% | 197 |
| Net loans and leases to deposits | 95.7145% | 414 |
| Net loans and leases to core deposits | 135.0632% | 112 |
| Total domestic deposits to total assets | 86.3681% | 2,595 |
| Equity capital to assets | 12.8474% | 957 |
| Core capital (leverage) ratio | 12.7898% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,662,500 | 3,675 |
| Average earning assets | $126,392,500 | 3,665 |
| Average equity | $17,347,000 | 3,480 |
| Average total loans | $109,482,500 | 3,138 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 800 |
| Cost of funding earning assets | 0.8454% | 1,035 |
| Net interest margin | 3.9085% | 1,189 |
| Noninterest income to average assets | 0.0920% | 4,762 |
| Noninterest expense to average assets | 1.7964% | 4,475 |
| Loan and lease loss provision to assets | 0.0807% | 3,366 |
| Net operating income to assets | 1.7342% | 457 |
| Return on assets (ROA) | 1.7342% | 497 |
| Pretax return on assets | 1.8415% | 619 |
| Return on Equity (ROE) | 13.3311% | 956 |
| Retained earnings to average equity (ytd only) | 7.1277% | 1,348 |
| Net charge-offs to loans | 0.0372% | 2,311 |
| Credit loss provision to net charge-offs | 270.2703% | 1,843 |
| Earnings coverage of net charge-offs (x) | 64.3784% | 1,036 |
| Efficiency ratio | 48.3073% | 4,622 |
| Assets per employee ($millions) | 6.9656% | 1,605 |
| Cash dividends to net income (ytd only)* | 46.5333% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 1,969 |
| Loan loss allowance to noncurrent loans | 36.9163% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8962% | 134 |
| Noncurrent loans to loans | 3.7947% | 158 |
| Net loans and leases to total assets | 75.2514% | 873 |
| Net loans and leases to deposits | 86.4793% | 1,215 |
| Net loans and leases to core deposits | 124.9551% | 255 |
| Total domestic deposits to total assets | 87.0167% | 1,939 |
| Equity capital to assets | 12.5292% | 1,308 |
| Core capital (leverage) ratio | 12.3980% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2633% | 1,756 |
| Memoranda: | ||
| Average total assets | $123,917,800 | 3,698 |
| Average earning assets | $114,981,400 | 3,691 |
| Average equity | $16,120,200 | 3,540 |
| Average total loans | $99,534,600 | 3,235 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 578 |
| Cost of funding earning assets | 0.8851% | 1,119 |
| Net interest margin | 4.1439% | 821 |
| Noninterest income to average assets | 0.0854% | 4,807 |
| Noninterest expense to average assets | 1.7831% | 4,523 |
| Loan and lease loss provision to assets | 0.1092% | 2,954 |
| Net operating income to assets | 1.9571% | 327 |
| Return on assets (ROA) | 1.9571% | 357 |
| Pretax return on assets | 2.0775% | 442 |
| Return on Equity (ROE) | 14.8952% | 710 |
| Retained earnings to average equity (ytd only) | 9.0637% | 960 |
| Net charge-offs to loans | -0.0296% | 4,528 |
| Credit loss provision to net charge-offs | -454.5455% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9132% | 4,758 |
| Assets per employee ($millions) | 6.5231% | 1,812 |
| Cash dividends to net income (ytd only)* | 39.1499% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 1,504 |
| Loan loss allowance to noncurrent loans | 26.3921% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 4.2810% | 74 |
| Noncurrent loans to loans | 5.5292% | 85 |
| Net loans and leases to total assets | 76.2956% | 1,055 |
| Net loans and leases to deposits | 87.8571% | 1,501 |
| Net loans and leases to core deposits | 127.8742% | 272 |
| Total domestic deposits to total assets | 86.8405% | 1,728 |
| Equity capital to assets | 12.6314% | 1,363 |
| Core capital (leverage) ratio | 12.6033% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,810,500 | 3,715 |
| Average earning assets | $114,189,500 | 3,695 |
| Average equity | $16,004,750 | 3,553 |
| Average total loans | $99,166,250 | 3,255 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2006% | 572 |
| Cost of funding earning assets | 0.9166% | 1,294 |
| Net interest margin | 4.2840% | 780 |
| Noninterest income to average assets | 0.0908% | 4,808 |
| Noninterest expense to average assets | 1.8516% | 4,480 |
| Loan and lease loss provision to assets | 0.0673% | 3,451 |
| Net operating income to assets | 2.1442% | 241 |
| Return on assets (ROA) | 2.1442% | 266 |
| Pretax return on assets | 2.2669% | 321 |
| Return on Equity (ROE) | 16.0917% | 551 |
| Retained earnings to average equity (ytd only) | 12.3054% | 422 |
| Net charge-offs to loans | -0.0467% | 4,667 |
| Credit loss provision to net charge-offs | -173.9130% | 3,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2346% | 4,803 |
| Assets per employee ($millions) | 6.9337% | 1,472 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,835 |
| Loan loss allowance to noncurrent loans | 25.8212% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 4.3908% | 71 |
| Noncurrent loans to loans | 5.1810% | 101 |
| Net loans and leases to total assets | 83.6139% | 284 |
| Net loans and leases to deposits | 96.9158% | 731 |
| Net loans and leases to core deposits | 147.6980% | 118 |
| Total domestic deposits to total assets | 86.2748% | 1,901 |
| Equity capital to assets | 13.1563% | 1,095 |
| Core capital (leverage) ratio | 13.1888% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,927,000 | 3,737 |
| Average earning assets | $113,680,000 | 3,679 |
| Average equity | $15,846,667 | 3,565 |
| Average total loans | $98,551,667 | 3,260 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 1,165 |
| Cost of funding earning assets | 0.9774% | 1,526 |
| Net interest margin | 3.9348% | 1,566 |
| Noninterest income to average assets | 0.1138% | 4,774 |
| Noninterest expense to average assets | 1.7140% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.0451% | 251 |
| Return on assets (ROA) | 2.0451% | 272 |
| Pretax return on assets | 2.1485% | 336 |
| Return on Equity (ROE) | 15.2442% | 521 |
| Retained earnings to average equity (ytd only) | 15.2442% | 177 |
| Net charge-offs to loans | -0.0885% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3750% | 4,870 |
| Assets per employee ($millions) | 6.1253% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,436 |
| Loan loss allowance to noncurrent loans | 34.3164% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 3.4378% | 142 |
| Noncurrent loans to loans | 4.2927% | 166 |
| Net loans and leases to total assets | 78.9055% | 841 |
| Net loans and leases to deposits | 91.8586% | 1,302 |
| Net loans and leases to core deposits | 147.0331% | 127 |
| Total domestic deposits to total assets | 85.8989% | 2,037 |
| Equity capital to assets | 13.5658% | 1,195 |
| Core capital (leverage) ratio | 13.5637% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,987,000 | 3,761 |
| Average earning assets | $110,502,000 | 3,709 |
| Average equity | $15,560,000 | 3,607 |
| Average total loans | $94,942,000 | 3,302 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 798 |
| Cost of funding earning assets | 0.9945% | 1,746 |
| Net interest margin | 4.3177% | 1,055 |
| Noninterest income to average assets | 0.1293% | 4,822 |
| Noninterest expense to average assets | 1.8610% | 4,704 |
| Loan and lease loss provision to assets | 0.2879% | 594 |
| Net operating income to assets | 1.9602% | 390 |
| Return on assets (ROA) | 1.9602% | 404 |
| Pretax return on assets | 2.0762% | 504 |
| Return on Equity (ROE) | 15.1925% | 654 |
| Retained earnings to average equity (ytd only) | 11.7599% | 257 |
| Net charge-offs to loans | 0.0617% | 2,219 |
| Credit loss provision to net charge-offs | 541.6667% | 546 |
| Earnings coverage of net charge-offs (x) | 44.4833% | 1,219 |
| Efficiency ratio | 44.0461% | 4,975 |
| Assets per employee ($millions) | 6.0838% | 1,572 |
| Cash dividends to net income (ytd only)* | 22.5938% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 1,524 |
| Loan loss allowance to noncurrent loans | 36.0437% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 3.2450% | 154 |
| Noncurrent loans to loans | 3.8798% | 189 |
| Net loans and leases to total assets | 82.4687% | 496 |
| Net loans and leases to deposits | 95.6609% | 978 |
| Net loans and leases to core deposits | 153.3393% | 103 |
| Total domestic deposits to total assets | 86.2094% | 1,979 |
| Equity capital to assets | 13.2638% | 1,385 |
| Core capital (leverage) ratio | 13.2962% | 1,117 |
| Tier 1 risk-based capital ratio | 14.4050% | 3,068 |
| Total risk-based capital ratio | 15.6550% | 2,978 |
| Memoranda: | ||
| Average total assets | $112,898,200 | 3,792 |
| Average earning assets | $107,093,800 | 3,756 |
| Average equity | $14,566,400 | 3,681 |
| Average total loans | $97,229,200 | 3,264 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3490% | 780 |
| Cost of funding earning assets | 0.9904% | 1,805 |
| Net interest margin | 4.3586% | 1,039 |
| Noninterest income to average assets | 0.1497% | 4,800 |
| Noninterest expense to average assets | 1.8843% | 4,718 |
| Loan and lease loss provision to assets | 0.1485% | 1,282 |
| Net operating income to assets | 2.1445% | 297 |
| Return on assets (ROA) | 2.1445% | 312 |
| Pretax return on assets | 2.2526% | 410 |
| Return on Equity (ROE) | 16.7416% | 512 |
| Retained earnings to average equity (ytd only) | 14.8866% | 152 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9701% | 5,018 |
| Assets per employee ($millions) | 5.9995% | 1,607 |
| Cash dividends to net income (ytd only)* | 11.0803% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 2,389 |
| Loan loss allowance to noncurrent loans | 31.6284% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 3.3617% | 153 |
| Noncurrent loans to loans | 3.8638% | 187 |
| Net loans and leases to total assets | 85.9426% | 198 |
| Net loans and leases to deposits | 99.8308% | 650 |
| Net loans and leases to core deposits | 161.5188% | 82 |
| Total domestic deposits to total assets | 86.0883% | 1,955 |
| Equity capital to assets | 13.3713% | 1,421 |
| Core capital (leverage) ratio | 13.2432% | 1,236 |
| Tier 1 risk-based capital ratio | 14.2425% | 3,201 |
| Total risk-based capital ratio | 15.3837% | 3,168 |
| Memoranda: | ||
| Average total assets | $112,224,500 | 3,843 |
| Average earning assets | $106,485,000 | 3,814 |
| Average equity | $14,375,000 | 3,731 |
| Average total loans | $97,366,500 | 3,300 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 1,052 |
| Cost of funding earning assets | 0.9677% | 1,836 |
| Net interest margin | 4.1982% | 1,367 |
| Noninterest income to average assets | 0.1577% | 4,790 |
| Noninterest expense to average assets | 1.9313% | 4,706 |
| Loan and lease loss provision to assets | 0.1164% | 1,609 |
| Net operating income to assets | 2.0334% | 365 |
| Return on assets (ROA) | 2.0334% | 385 |
| Pretax return on assets | 2.1051% | 544 |
| Return on Equity (ROE) | 16.1153% | 573 |
| Retained earnings to average equity (ytd only) | 13.2756% | 277 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5056% | 4,967 |
| Assets per employee ($millions) | 5.1125% | 2,345 |
| Cash dividends to net income (ytd only)* | 17.6211% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 2,714 |
| Loan loss allowance to noncurrent loans | 27.1570% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 3.7715% | 125 |
| Noncurrent loans to loans | 4.2820% | 155 |
| Net loans and leases to total assets | 87.0557% | 150 |
| Net loans and leases to deposits | 102.5782% | 509 |
| Net loans and leases to core deposits | 165.4752% | 83 |
| Total domestic deposits to total assets | 84.8676% | 2,538 |
| Equity capital to assets | 12.9532% | 1,606 |
| Core capital (leverage) ratio | 12.9190% | 1,342 |
| Tier 1 risk-based capital ratio | 13.5521% | 3,547 |
| Total risk-based capital ratio | 14.6320% | 3,539 |
| Memoranda: | ||
| Average total assets | $111,636,000 | 3,876 |
| Average earning assets | $106,236,330 | 3,836 |
| Average equity | $14,086,000 | 3,776 |
| Average total loans | $96,762,670 | 3,326 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 1,209 |
| Cost of funding earning assets | 0.9553% | 1,766 |
| Net interest margin | 4.0969% | 1,555 |
| Noninterest income to average assets | 0.1403% | 4,894 |
| Noninterest expense to average assets | 1.7371% | 4,983 |
| Loan and lease loss provision to assets | 0.0899% | 1,912 |
| Net operating income to assets | 2.1615% | 289 |
| Return on assets (ROA) | 2.1615% | 302 |
| Pretax return on assets | 2.2155% | 434 |
| Return on Equity (ROE) | 17.3643% | 457 |
| Retained earnings to average equity (ytd only) | 17.3643% | 169 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9715% | 5,132 |
| Assets per employee ($millions) | 5.3603% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,853 |
| Loan loss allowance to noncurrent loans | 25.1016% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 3.9355% | 117 |
| Noncurrent loans to loans | 4.5792% | 143 |
| Net loans and leases to total assets | 84.9537% | 286 |
| Net loans and leases to deposits | 97.7302% | 810 |
| Net loans and leases to core deposits | 156.8717% | 103 |
| Total domestic deposits to total assets | 86.9268% | 1,852 |
| Equity capital to assets | 12.5908% | 1,686 |
| Core capital (leverage) ratio | 12.6760% | 1,417 |
| Tier 1 risk-based capital ratio | 13.2589% | 3,733 |
| Total risk-based capital ratio | 14.3029% | 3,759 |
| Memoranda: | ||
| Average total assets | $111,217,000 | 3,917 |
| Average earning assets | $105,934,500 | 3,886 |
| Average equity | $13,844,500 | 3,824 |
| Average total loans | $95,610,500 | 3,386 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 1,697 |
| Cost of funding earning assets | 0.7663% | 1,708 |
| Net interest margin | 3.9771% | 2,070 |
| Noninterest income to average assets | 0.1478% | 4,971 |
| Noninterest expense to average assets | 2.0178% | 4,721 |
| Loan and lease loss provision to assets | 0.4706% | 268 |
| Net operating income to assets | 1.3581% | 1,582 |
| Return on assets (ROA) | 1.3581% | 1,572 |
| Pretax return on assets | 1.4353% | 2,009 |
| Return on Equity (ROE) | 11.0930% | 2,046 |
| Retained earnings to average equity (ytd only) | 8.0180% | 1,227 |
| Net charge-offs to loans | 0.7250% | 221 |
| Credit loss provision to net charge-offs | 72.8863% | 2,955 |
| Earnings coverage of net charge-offs (x) | 2.9519% | 3,474 |
| Efficiency ratio | 51.4272% | 4,848 |
| Assets per employee ($millions) | 5.2318% | 2,225 |
| Cash dividends to net income (ytd only)* | 27.7200% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 2,826 |
| Loan loss allowance to noncurrent loans | 23.9586% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 4.1295% | 106 |
| Noncurrent loans to loans | 4.8021% | 120 |
| Net loans and leases to total assets | 85.0047% | 314 |
| Net loans and leases to deposits | 97.6169% | 932 |
| Net loans and leases to core deposits | 142.1312% | 180 |
| Total domestic deposits to total assets | 87.0800% | 1,749 |
| Equity capital to assets | 12.3020% | 1,698 |
| Core capital (leverage) ratio | 12.3516% | 1,538 |
| Tier 1 risk-based capital ratio | 13.1579% | 3,755 |
| Total risk-based capital ratio | 14.2157% | 3,751 |
| Memoranda: | ||
| Average total assets | $106,253,200 | 3,998 |
| Average earning assets | $100,877,000 | 3,963 |
| Average equity | $13,008,200 | 3,879 |
| Average total loans | $94,621,600 | 3,397 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6473% | 1,844 |
| Cost of funding earning assets | 0.7374% | 1,634 |
| Net interest margin | 3.9099% | 2,266 |
| Noninterest income to average assets | 0.1228% | 5,125 |
| Noninterest expense to average assets | 1.9262% | 4,865 |
| Loan and lease loss provision to assets | 0.1582% | 1,222 |
| Net operating income to assets | 1.6820% | 782 |
| Return on assets (ROA) | 1.6820% | 780 |
| Pretax return on assets | 1.7491% | 1,147 |
| Return on Equity (ROE) | 13.7561% | 1,183 |
| Retained earnings to average equity (ytd only) | 9.6158% | 1,022 |
| Net charge-offs to loans | 0.1507% | 1,090 |
| Credit loss provision to net charge-offs | 116.8224% | 2,026 |
| Earnings coverage of net charge-offs (x) | 14.0844% | 2,309 |
| Efficiency ratio | 50.2476% | 4,930 |
| Assets per employee ($millions) | 5.1580% | 2,265 |
| Cash dividends to net income (ytd only)* | 30.0977% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,877 |
| Loan loss allowance to noncurrent loans | 23.3454% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 5.1053% | 83 |
| Noncurrent loans to loans | 5.7869% | 88 |
| Net loans and leases to total assets | 87.0300% | 187 |
| Net loans and leases to deposits | 99.7218% | 810 |
| Net loans and leases to core deposits | 145.9085% | 166 |
| Total domestic deposits to total assets | 87.2728% | 1,612 |
| Equity capital to assets | 12.2841% | 1,709 |
| Core capital (leverage) ratio | 12.2702% | 1,638 |
| Tier 1 risk-based capital ratio | 12.9124% | 3,958 |
| Total risk-based capital ratio | 14.1557% | 3,862 |
| Memoranda: | ||
| Average total assets | $105,349,500 | 4,046 |
| Average earning assets | $99,983,000 | 4,015 |
| Average equity | $12,881,250 | 3,929 |
| Average total loans | $94,657,000 | 3,423 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 2,464 |
| Cost of funding earning assets | 0.6414% | 1,977 |
| Net interest margin | 3.7454% | 2,768 |
| Noninterest income to average assets | 0.1112% | 5,228 |
| Noninterest expense to average assets | 1.8896% | 4,973 |
| Loan and lease loss provision to assets | 0.0958% | 2,014 |
| Net operating income to assets | 1.5849% | 949 |
| Return on assets (ROA) | 1.5849% | 955 |
| Pretax return on assets | 1.6731% | 1,290 |
| Return on Equity (ROE) | 12.9831% | 1,381 |
| Retained earnings to average equity (ytd only) | 9.8433% | 966 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6501% | 4,925 |
| Assets per employee ($millions) | 5.1136% | 2,279 |
| Cash dividends to net income (ytd only)* | 24.1838% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,881 |
| Loan loss allowance to noncurrent loans | 21.0769% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 5.8453% | 64 |
| Noncurrent loans to loans | 6.4721% | 75 |
| Net loans and leases to total assets | 89.0832% | 102 |
| Net loans and leases to deposits | 110.9601% | 260 |
| Net loans and leases to core deposits | 149.3062% | 124 |
| Total domestic deposits to total assets | 80.2840% | 4,179 |
| Equity capital to assets | 12.1469% | 1,744 |
| Core capital (leverage) ratio | 12.5256% | 1,426 |
| Tier 1 risk-based capital ratio | 12.3888% | 4,254 |
| Total risk-based capital ratio | 13.6385% | 4,142 |
| Memoranda: | ||
| Average total assets | $104,359,670 | 4,105 |
| Average earning assets | $98,842,330 | 4,072 |
| Average equity | $12,739,670 | 3,972 |
| Average total loans | $94,355,670 | 3,440 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,677 |
| Cost of funding earning assets | 0.6206% | 1,909 |
| Net interest margin | 3.9453% | 1,881 |
| Noninterest income to average assets | 0.1283% | 5,222 |
| Noninterest expense to average assets | 1.8669% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8552% | 506 |
| Return on assets (ROA) | 1.8552% | 506 |
| Pretax return on assets | 1.9952% | 576 |
| Return on Equity (ROE) | 15.1579% | 777 |
| Retained earnings to average equity (ytd only) | 8.8024% | 1,538 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3384% | 5,177 |
| Assets per employee ($millions) | 4.8855% | 2,627 |
| Cash dividends to net income (ytd only)* | 41.9287% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 1,955 |
| Loan loss allowance to noncurrent loans | 30.9206% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 4.0128% | 159 |
| Noncurrent loans to loans | 4.4314% | 198 |
| Net loans and leases to total assets | 89.3134% | 81 |
| Net loans and leases to deposits | 105.6179% | 399 |
| Net loans and leases to core deposits | 144.5391% | 171 |
| Total domestic deposits to total assets | 84.5628% | 3,091 |
| Equity capital to assets | 12.3835% | 1,560 |
| Core capital (leverage) ratio | 12.4737% | 1,401 |
| Tier 1 risk-based capital ratio | 12.7603% | 4,081 |
| Total risk-based capital ratio | 14.0098% | 3,973 |
| Memoranda: | ||
| Average total assets | $102,847,000 | 4,178 |
| Average earning assets | $97,330,000 | 4,140 |
| Average equity | $12,587,500 | 4,032 |
| Average total loans | $93,041,000 | 3,486 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 964 |
| Cost of funding earning assets | 0.5318% | 2,093 |
| Net interest margin | 4.2766% | 1,017 |
| Noninterest income to average assets | 0.1364% | 5,265 |
| Noninterest expense to average assets | 2.1441% | 4,665 |
| Loan and lease loss provision to assets | 0.1482% | 1,533 |
| Net operating income to assets | 1.7607% | 469 |
| Return on assets (ROA) | 1.7607% | 473 |
| Pretax return on assets | 1.8566% | 675 |
| Return on Equity (ROE) | 14.6426% | 667 |
| Retained earnings to average equity (ytd only) | 6.0970% | 1,483 |
| Net charge-offs to loans | 0.1070% | 2,002 |
| Credit loss provision to net charge-offs | 154.6392% | 1,733 |
| Earnings coverage of net charge-offs (x) | 20.9175% | 1,942 |
| Efficiency ratio | 51.6790% | 5,122 |
| Assets per employee ($millions) | 4.9094% | 2,587 |
| Cash dividends to net income (ytd only)* | 58.3614% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,901 |
| Loan loss allowance to noncurrent loans | 37.3752% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.3037% | 216 |
| Noncurrent loans to loans | 3.6554% | 272 |
| Net loans and leases to total assets | 89.1424% | 100 |
| Net loans and leases to deposits | 107.4473% | 341 |
| Net loans and leases to core deposits | 142.4515% | 187 |
| Total domestic deposits to total assets | 82.9638% | 3,574 |
| Equity capital to assets | 12.0953% | 1,762 |
| Core capital (leverage) ratio | 12.1905% | 1,502 |
| Tier 1 risk-based capital ratio | 12.3185% | 4,317 |
| Total risk-based capital ratio | 13.5682% | 4,227 |
| Memoranda: | ||
| Average total assets | $101,208,200 | 4,215 |
| Average earning assets | $94,957,600 | 4,180 |
| Average equity | $12,170,000 | 4,113 |
| Average total loans | $90,675,000 | 3,510 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 934 |
| Cost of funding earning assets | 0.5139% | 2,158 |
| Net interest margin | 4.2821% | 966 |
| Noninterest income to average assets | 0.1271% | 5,367 |
| Noninterest expense to average assets | 2.0264% | 4,897 |
| Loan and lease loss provision to assets | 0.0662% | 2,747 |
| Net operating income to assets | 1.9430% | 352 |
| Return on assets (ROA) | 1.9430% | 354 |
| Pretax return on assets | 2.0489% | 496 |
| Return on Equity (ROE) | 16.1826% | 509 |
| Retained earnings to average equity (ytd only) | 7.5842% | 1,397 |
| Net charge-offs to loans | -0.0074% | 4,553 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9294% | 5,294 |
| Assets per employee ($millions) | 4.3031% | 3,463 |
| Cash dividends to net income (ytd only)* | 53.1334% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 1,950 |
| Loan loss allowance to noncurrent loans | 42.9727% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 2.8729% | 327 |
| Noncurrent loans to loans | 3.2254% | 364 |
| Net loans and leases to total assets | 87.8364% | 160 |
| Net loans and leases to deposits | 106.6647% | 383 |
| Net loans and leases to core deposits | 136.2139% | 254 |
| Total domestic deposits to total assets | 82.3481% | 3,671 |
| Equity capital to assets | 12.0223% | 1,953 |
| Core capital (leverage) ratio | 12.2055% | 1,567 |
| Tier 1 risk-based capital ratio | 12.4408% | 4,357 |
| Total risk-based capital ratio | 13.6904% | 4,265 |
| Memoranda: | ||
| Average total assets | $100,735,750 | 4,267 |
| Average earning assets | $94,437,250 | 4,229 |
| Average equity | $12,095,000 | 4,160 |
| Average total loans | $90,049,500 | 3,558 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7708% | 919 |
| Cost of funding earning assets | 0.4769% | 2,357 |
| Net interest margin | 4.2939% | 877 |
| Noninterest income to average assets | 0.1522% | 5,299 |
| Noninterest expense to average assets | 2.0222% | 4,925 |
| Loan and lease loss provision to assets | 0.0200% | 3,577 |
| Net operating income to assets | 2.0463% | 281 |
| Return on assets (ROA) | 2.0463% | 290 |
| Pretax return on assets | 2.1484% | 402 |
| Return on Equity (ROE) | 17.0504% | 405 |
| Retained earnings to average equity (ytd only) | 8.3750% | 1,039 |
| Net charge-offs to loans | -0.0112% | 4,579 |
| Credit loss provision to net charge-offs | -200.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2561% | 5,385 |
| Assets per employee ($millions) | 4.1904% | 3,643 |
| Cash dividends to net income (ytd only)* | 50.8806% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,137 |
| Loan loss allowance to noncurrent loans | 63.6926% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.9280% | 680 |
| Noncurrent loans to loans | 2.1295% | 774 |
| Net loans and leases to total assets | 89.3128% | 102 |
| Net loans and leases to deposits | 112.0773% | 223 |
| Net loans and leases to core deposits | 127.9830% | 344 |
| Total domestic deposits to total assets | 79.6886% | 4,484 |
| Equity capital to assets | 12.1727% | 1,813 |
| Core capital (leverage) ratio | 12.1658% | 1,549 |
| Tier 1 risk-based capital ratio | 12.5348% | 4,286 |
| Total risk-based capital ratio | 13.7843% | 4,181 |
| Memoranda: | ||
| Average total assets | $99,889,330 | 4,310 |
| Average earning assets | $93,946,670 | 4,267 |
| Average equity | $11,988,000 | 4,187 |
| Average total loans | $89,403,330 | 3,588 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 740 |
| Cost of funding earning assets | 0.4113% | 2,890 |
| Net interest margin | 4.3914% | 651 |
| Noninterest income to average assets | 0.1326% | 5,455 |
| Noninterest expense to average assets | 1.7117% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4189% | 158 |
| Return on assets (ROA) | 2.4189% | 162 |
| Pretax return on assets | 2.5394% | 203 |
| Return on Equity (ROE) | 20.3018% | 216 |
| Retained earnings to average equity (ytd only) | 11.5336% | 528 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2647% | 5,693 |
| Assets per employee ($millions) | 4.5165% | 3,144 |
| Cash dividends to net income (ytd only)* | 43.1894% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 2,203 |
| Loan loss allowance to noncurrent loans | 72.4036% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.6958% | 880 |
| Noncurrent loans to loans | 1.8944% | 961 |
| Net loans and leases to total assets | 88.2884% | 99 |
| Net loans and leases to deposits | 108.1675% | 259 |
| Net loans and leases to core deposits | 121.9992% | 415 |
| Total domestic deposits to total assets | 81.6219% | 4,269 |
| Equity capital to assets | 12.1252% | 1,756 |
| Core capital (leverage) ratio | 12.2864% | 1,455 |
| Tier 1 risk-based capital ratio | 12.5311% | 4,372 |
| Total risk-based capital ratio | 13.7811% | 4,275 |
| Memoranda: | ||
| Average total assets | $99,549,500 | 4,357 |
| Average earning assets | $93,365,000 | 4,322 |
| Average equity | $11,861,000 | 4,235 |
| Average total loans | $88,577,000 | 3,629 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 1,316 |
| Cost of funding earning assets | 0.3919% | 3,079 |
| Net interest margin | 4.1937% | 1,134 |
| Noninterest income to average assets | 0.9849% | 1,187 |
| Noninterest expense to average assets | 2.1421% | 4,913 |
| Loan and lease loss provision to assets | 0.1217% | 2,030 |
| Net operating income to assets | 2.4574% | 149 |
| Return on assets (ROA) | 2.4574% | 153 |
| Pretax return on assets | 2.6383% | 165 |
| Return on Equity (ROE) | 20.2634% | 199 |
| Retained earnings to average equity (ytd only) | 6.5248% | 1,446 |
| Net charge-offs to loans | 0.0807% | 2,536 |
| Credit loss provision to net charge-offs | 174.2424% | 1,594 |
| Earnings coverage of net charge-offs (x) | 39.5303% | 1,185 |
| Efficiency ratio | 43.6987% | 5,702 |
| Assets per employee ($millions) | 4.5335% | 3,068 |
| Cash dividends to net income (ytd only)* | 67.8003% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 2,152 |
| Loan loss allowance to noncurrent loans | 40.6396% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 3.0099% | 334 |
| Noncurrent loans to loans | 3.4033% | 362 |
| Net loans and leases to total assets | 87.2183% | 167 |
| Net loans and leases to deposits | 108.8670% | 253 |
| Net loans and leases to core deposits | 118.1276% | 540 |
| Total domestic deposits to total assets | 80.1145% | 4,548 |
| Equity capital to assets | 11.7049% | 2,007 |
| Core capital (leverage) ratio | 12.3153% | 1,424 |
| Tier 1 risk-based capital ratio | 12.1645% | 4,606 |
| Total risk-based capital ratio | 13.4144% | 4,483 |
| Memoranda: | ||
| Average total assets | $94,531,600 | 4,457 |
| Average earning assets | $88,298,600 | 4,428 |
| Average equity | $11,464,000 | 4,343 |
| Average total loans | $81,781,800 | 3,768 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 1,284 |
| Cost of funding earning assets | 0.3797% | 3,232 |
| Net interest margin | 4.2242% | 1,070 |
| Noninterest income to average assets | 1.2871% | 700 |
| Noninterest expense to average assets | 2.0865% | 5,028 |
| Loan and lease loss provision to assets | 0.0715% | 2,784 |
| Net operating income to assets | 2.9217% | 94 |
| Return on assets (ROA) | 2.9217% | 99 |
| Pretax return on assets | 3.0747% | 119 |
| Return on Equity (ROE) | 23.8700% | 104 |
| Retained earnings to average equity (ytd only) | 9.5574% | 672 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8743% | 5,835 |
| Assets per employee ($millions) | 4.5142% | 3,063 |
| Cash dividends to net income (ytd only)* | 59.9608% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 1,918 |
| Loan loss allowance to noncurrent loans | 36.8326% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 3.4969% | 285 |
| Noncurrent loans to loans | 3.9714% | 276 |
| Net loans and leases to total assets | 86.7645% | 201 |
| Net loans and leases to deposits | 105.4459% | 392 |
| Net loans and leases to core deposits | 111.6873% | 828 |
| Total domestic deposits to total assets | 82.2834% | 3,847 |
| Equity capital to assets | 12.4739% | 1,796 |
| Core capital (leverage) ratio | 12.3936% | 1,446 |
| Tier 1 risk-based capital ratio | 12.3358% | 4,581 |
| Total risk-based capital ratio | 13.5854% | 4,488 |
| Memoranda: | ||
| Average total assets | $93,230,500 | 4,523 |
| Average earning assets | $87,083,000 | 4,491 |
| Average equity | $11,411,500 | 4,394 |
| Average total loans | $80,175,250 | 3,821 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 1,552 |
| Cost of funding earning assets | 0.3611% | 3,437 |
| Net interest margin | 4.1275% | 1,302 |
| Noninterest income to average assets | 1.8833% | 374 |
| Noninterest expense to average assets | 2.1573% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.3978% | 73 |
| Return on assets (ROA) | 3.3978% | 74 |
| Pretax return on assets | 3.5725% | 88 |
| Return on Equity (ROE) | 27.9412% | 59 |
| Retained earnings to average equity (ytd only) | 10.8572% | 455 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6506% | 5,948 |
| Assets per employee ($millions) | 4.4860% | 3,056 |
| Cash dividends to net income (ytd only)* | 61.1429% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,212 |
| Loan loss allowance to noncurrent loans | 31.9248% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 3.8936% | 240 |
| Noncurrent loans to loans | 4.4429% | 240 |
| Net loans and leases to total assets | 86.3936% | 226 |
| Net loans and leases to deposits | 106.9600% | 335 |
| Net loans and leases to core deposits | 111.8136% | 824 |
| Total domestic deposits to total assets | 80.7719% | 4,337 |
| Equity capital to assets | 12.4313% | 1,816 |
| Core capital (leverage) ratio | 12.5950% | 1,304 |
| Tier 1 risk-based capital ratio | 12.6958% | 4,388 |
| Total risk-based capital ratio | 13.9455% | 4,296 |
| Memoranda: | ||
| Average total assets | $92,708,000 | 4,568 |
| Average earning assets | $86,396,000 | 4,534 |
| Average equity | $11,273,670 | 4,441 |
| Average total loans | $79,076,330 | 3,867 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 1,571 |
| Cost of funding earning assets | 0.3571% | 3,531 |
| Net interest margin | 4.1213% | 1,283 |
| Noninterest income to average assets | 0.1696% | 5,475 |
| Noninterest expense to average assets | 1.8660% | 5,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9356% | 374 |
| Return on assets (ROA) | 1.9356% | 399 |
| Pretax return on assets | 2.1183% | 446 |
| Return on Equity (ROE) | 16.1013% | 525 |
| Retained earnings to average equity (ytd only) | 3.4374% | 3,787 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8341% | 5,775 |
| Assets per employee ($millions) | 4.3482% | 3,330 |
| Cash dividends to net income (ytd only)* | 78.6517% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,987 |
| Loan loss allowance to noncurrent loans | 70.4997% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 1,013 |
| Noncurrent loans to loans | 2.1278% | 983 |
| Net loans and leases to total assets | 84.2058% | 349 |
| Net loans and leases to deposits | 96.6720% | 876 |
| Net loans and leases to core deposits | 102.4640% | 1,299 |
| Total domestic deposits to total assets | 87.1047% | 2,157 |
| Equity capital to assets | 12.2043% | 1,889 |
| Core capital (leverage) ratio | 12.2443% | 1,467 |
| Tier 1 risk-based capital ratio | 12.6640% | 4,473 |
| Total risk-based capital ratio | 13.9150% | 4,386 |
| Memoranda: | ||
| Average total assets | $91,959,000 | 4,617 |
| Average earning assets | $85,119,500 | 4,594 |
| Average equity | $11,055,000 | 4,495 |
| Average total loans | $77,335,000 | 3,934 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 1,468 |
| Cost of funding earning assets | 0.3698% | 3,490 |
| Net interest margin | 4.1760% | 1,218 |
| Noninterest income to average assets | 0.2242% | 5,257 |
| Noninterest expense to average assets | 2.1824% | 5,081 |
| Loan and lease loss provision to assets | 0.0629% | 3,039 |
| Net operating income to assets | 1.7434% | 532 |
| Return on assets (ROA) | 1.7434% | 555 |
| Pretax return on assets | 1.8482% | 731 |
| Return on Equity (ROE) | 15.4208% | 624 |
| Retained earnings to average equity (ytd only) | 2.9099% | 3,985 |
| Net charge-offs to loans | 0.0670% | 2,902 |
| Credit loss provision to net charge-offs | 109.0909% | 2,307 |
| Earnings coverage of net charge-offs (x) | 33.1636% | 1,351 |
| Efficiency ratio | 53.3146% | 5,564 |
| Assets per employee ($millions) | 4.4098% | 3,198 |
| Cash dividends to net income (ytd only)* | 81.1298% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,865 |
| Loan loss allowance to noncurrent loans | 89.4576% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4135% | 1,479 |
| Noncurrent loans to loans | 1.7087% | 1,325 |
| Net loans and leases to total assets | 81.4612% | 646 |
| Net loans and leases to deposits | 92.9039% | 1,316 |
| Net loans and leases to core deposits | 98.3444% | 1,645 |
| Total domestic deposits to total assets | 87.6833% | 1,801 |
| Equity capital to assets | 11.8416% | 2,081 |
| Core capital (leverage) ratio | 11.7675% | 1,773 |
| Tier 1 risk-based capital ratio | 12.7161% | 4,498 |
| Total risk-based capital ratio | 13.9670% | 4,402 |
| Memoranda: | ||
| Average total assets | $95,446,000 | 4,552 |
| Average earning assets | $88,434,800 | 4,531 |
| Average equity | $10,790,600 | 4,525 |
| Average total loans | $82,033,400 | 3,774 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 1,571 |
| Cost of funding earning assets | 0.3711% | 3,538 |
| Net interest margin | 4.1358% | 1,311 |
| Noninterest income to average assets | 0.2343% | 5,253 |
| Noninterest expense to average assets | 2.0841% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8622% | 455 |
| Return on assets (ROA) | 1.8622% | 477 |
| Pretax return on assets | 1.9828% | 617 |
| Return on Equity (ROE) | 16.6620% | 508 |
| Retained earnings to average equity (ytd only) | 3.0148% | 4,297 |
| Net charge-offs to loans | 0.0863% | 2,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.4808% | 1,611 |
| Efficiency ratio | 51.2445% | 5,703 |
| Assets per employee ($millions) | 4.4327% | 3,119 |
| Cash dividends to net income (ytd only)* | 81.9063% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 2,549 |
| Loan loss allowance to noncurrent loans | 123.8307% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 2,443 |
| Noncurrent loans to loans | 1.1379% | 2,233 |
| Net loans and leases to total assets | 83.5808% | 419 |
| Net loans and leases to deposits | 95.1974% | 1,076 |
| Net loans and leases to core deposits | 100.7328% | 1,457 |
| Total domestic deposits to total assets | 87.7973% | 1,658 |
| Equity capital to assets | 11.7203% | 2,330 |
| Core capital (leverage) ratio | 11.6801% | 1,903 |
| Tier 1 risk-based capital ratio | 12.3704% | 4,842 |
| Total risk-based capital ratio | 13.6201% | 4,749 |
| Memoranda: | ||
| Average total assets | $96,156,000 | 4,588 |
| Average earning assets | $89,105,500 | 4,574 |
| Average equity | $10,746,750 | 4,580 |
| Average total loans | $83,389,500 | 3,771 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 1,710 |
| Cost of funding earning assets | 0.3695% | 3,604 |
| Net interest margin | 4.0712% | 1,440 |
| Noninterest income to average assets | 0.2717% | 5,011 |
| Noninterest expense to average assets | 2.0869% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8399% | 471 |
| Return on assets (ROA) | 1.8399% | 496 |
| Pretax return on assets | 1.9490% | 659 |
| Return on Equity (ROE) | 16.7223% | 523 |
| Retained earnings to average equity (ytd only) | 0.8230% | 5,231 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7083% | 5,740 |
| Assets per employee ($millions) | 4.2332% | 3,409 |
| Cash dividends to net income (ytd only)* | 95.0783% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 2,604 |
| Loan loss allowance to noncurrent loans | 51.3430% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4385% | 787 |
| Noncurrent loans to loans | 2.7891% | 751 |
| Net loans and leases to total assets | 86.1775% | 232 |
| Net loans and leases to deposits | 103.3334% | 482 |
| Net loans and leases to core deposits | 107.9070% | 960 |
| Total domestic deposits to total assets | 83.3976% | 3,793 |
| Equity capital to assets | 11.5117% | 2,402 |
| Core capital (leverage) ratio | 11.4851% | 2,004 |
| Tier 1 risk-based capital ratio | 11.4767% | 5,479 |
| Total risk-based capital ratio | 12.7251% | 5,399 |
| Memoranda: | ||
| Average total assets | $97,179,330 | 4,609 |
| Average earning assets | $89,849,670 | 4,600 |
| Average equity | $10,692,330 | 4,618 |
| Average total loans | $84,881,330 | 3,752 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 1,815 |
| Cost of funding earning assets | 0.3707% | 3,640 |
| Net interest margin | 4.0162% | 1,506 |
| Noninterest income to average assets | 0.3306% | 4,548 |
| Noninterest expense to average assets | 1.8669% | 5,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0523% | 310 |
| Return on assets (ROA) | 2.0523% | 326 |
| Pretax return on assets | 2.1773% | 402 |
| Return on Equity (ROE) | 19.0672% | 319 |
| Retained earnings to average equity (ytd only) | 0.3371% | 5,263 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1615% | 6,095 |
| Assets per employee ($millions) | 4.5765% | 2,931 |
| Cash dividends to net income (ytd only)* | 98.2318% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 3,046 |
| Loan loss allowance to noncurrent loans | 74.5048% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.6284% | 1,566 |
| Noncurrent loans to loans | 1.8434% | 1,460 |
| Net loans and leases to total assets | 87.1236% | 137 |
| Net loans and leases to deposits | 103.8911% | 373 |
| Net loans and leases to core deposits | 110.0131% | 748 |
| Total domestic deposits to total assets | 83.8605% | 3,866 |
| Equity capital to assets | 11.1190% | 2,846 |
| Core capital (leverage) ratio | 10.7141% | 2,737 |
| Tier 1 risk-based capital ratio | 11.8901% | 5,316 |
| Total risk-based capital ratio | 13.1399% | 5,202 |
| Memoranda: | ||
| Average total assets | $99,203,500 | 4,600 |
| Average earning assets | $91,728,000 | 4,599 |
| Average equity | $10,678,000 | 4,662 |
| Average total loans | $86,610,000 | 3,737 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 844 |
| Cost of funding earning assets | 0.4264% | 3,426 |
| Net interest margin | 4.5309% | 705 |
| Noninterest income to average assets | 0.2478% | 5,355 |
| Noninterest expense to average assets | 2.0601% | 5,659 |
| Loan and lease loss provision to assets | 0.0999% | 2,490 |
| Net operating income to assets | 2.1840% | 230 |
| Return on assets (ROA) | 2.1840% | 233 |
| Pretax return on assets | 2.2709% | 282 |
| Return on Equity (ROE) | 21.1978% | 199 |
| Retained earnings to average equity (ytd only) | 6.6522% | 1,568 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4938% | 6,246 |
| Assets per employee ($millions) | 4.8715% | 2,505 |
| Cash dividends to net income (ytd only)* | 68.6185% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 3,314 |
| Loan loss allowance to noncurrent loans | 777.3333% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 5,444 |
| Noncurrent loans to loans | 0.1698% | 5,219 |
| Net loans and leases to total assets | 85.1966% | 263 |
| Net loans and leases to deposits | 109.3508% | 258 |
| Net loans and leases to core deposits | 114.0530% | 604 |
| Total domestic deposits to total assets | 77.9113% | 5,453 |
| Equity capital to assets | 10.4300% | 3,574 |
| Core capital (leverage) ratio | 10.5835% | 2,856 |
| Tier 1 risk-based capital ratio | 11.2008% | 5,818 |
| Total risk-based capital ratio | 12.4242% | 5,769 |
| Memoranda: | ||
| Average total assets | $100,090,400 | 4,596 |
| Average earning assets | $92,410,000 | 4,597 |
| Average equity | $10,312,400 | 4,689 |
| Average total loans | $86,177,200 | 3,709 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 886 |
| Cost of funding earning assets | 0.4368% | 3,397 |
| Net interest margin | 4.4870% | 759 |
| Noninterest income to average assets | 0.2558% | 5,389 |
| Noninterest expense to average assets | 1.9958% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.3133% | 192 |
| Return on assets (ROA) | 2.3133% | 194 |
| Pretax return on assets | 2.4151% | 248 |
| Return on Equity (ROE) | 22.5238% | 173 |
| Retained earnings to average equity (ytd only) | 6.8732% | 1,888 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2475% | 6,319 |
| Assets per employee ($millions) | 4.5348% | 2,905 |
| Cash dividends to net income (ytd only)* | 69.4846% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 4,115 |
| Loan loss allowance to noncurrent loans | 951.7857% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,715 |
| Noncurrent loans to loans | 0.1285% | 5,534 |
| Net loans and leases to total assets | 86.3239% | 180 |
| Net loans and leases to deposits | 108.1039% | 262 |
| Net loans and leases to core deposits | 112.7533% | 630 |
| Total domestic deposits to total assets | 79.8527% | 5,136 |
| Equity capital to assets | 10.5428% | 3,503 |
| Core capital (leverage) ratio | 10.5185% | 3,019 |
| Tier 1 risk-based capital ratio | 11.2213% | 5,905 |
| Total risk-based capital ratio | 12.3590% | 5,903 |
| Memoranda: | ||
| Average total assets | $99,537,750 | 4,652 |
| Average earning assets | $92,175,000 | 4,641 |
| Average equity | $10,223,000 | 4,740 |
| Average total loans | $85,640,750 | 3,764 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,244 |
| Cost of funding earning assets | 0.4357% | 3,486 |
| Net interest margin | 4.2853% | 1,056 |
| Noninterest income to average assets | 0.2835% | 5,154 |
| Noninterest expense to average assets | 1.9646% | 5,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2159% | 225 |
| Return on assets (ROA) | 2.2159% | 232 |
| Pretax return on assets | 2.2943% | 308 |
| Return on Equity (ROE) | 21.7686% | 207 |
| Retained earnings to average equity (ytd only) | 4.9779% | 2,970 |
| Net charge-offs to loans | 0.0023% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,141.0000% | 51 |
| Efficiency ratio | 46.1284% | 6,359 |
| Assets per employee ($millions) | 4.5448% | 2,856 |
| Cash dividends to net income (ytd only)* | 77.1325% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 4,290 |
| Loan loss allowance to noncurrent loans | 72.4490% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 2,218 |
| Noncurrent loans to loans | 1.6944% | 2,049 |
| Net loans and leases to total assets | 85.7010% | 194 |
| Net loans and leases to deposits | 110.7880% | 191 |
| Net loans and leases to core deposits | 116.8093% | 457 |
| Total domestic deposits to total assets | 77.3558% | 5,746 |
| Equity capital to assets | 10.2714% | 3,728 |
| Core capital (leverage) ratio | 10.6326% | 2,784 |
| Tier 1 risk-based capital ratio | 11.0471% | 6,033 |
| Total risk-based capital ratio | 12.1960% | 6,015 |
| Memoranda: | ||
| Average total assets | $99,462,000 | 4,697 |
| Average earning assets | $92,268,000 | 4,673 |
| Average equity | $10,124,670 | 4,773 |
| Average total loans | $85,125,330 | 3,789 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7806% | 1,084 |
| Cost of funding earning assets | 0.4385% | 3,550 |
| Net interest margin | 4.3420% | 916 |
| Noninterest income to average assets | 0.3468% | 4,600 |
| Noninterest expense to average assets | 2.0040% | 5,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3750% | 183 |
| Return on assets (ROA) | 2.3750% | 194 |
| Pretax return on assets | 2.3750% | 273 |
| Return on Equity (ROE) | 23.4381% | 164 |
| Retained earnings to average equity (ytd only) | 3.5416% | 4,009 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7643% | 6,438 |
| Assets per employee ($millions) | 4.3905% | 3,165 |
| Cash dividends to net income (ytd only)* | 84.8896% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,213 |
| Loan loss allowance to noncurrent loans | 237.4165% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 4,742 |
| Noncurrent loans to loans | 0.5402% | 4,553 |
| Net loans and leases to total assets | 84.9551% | 191 |
| Net loans and leases to deposits | 100.8765% | 403 |
| Net loans and leases to core deposits | 106.7517% | 728 |
| Total domestic deposits to total assets | 84.2170% | 4,204 |
| Equity capital to assets | 10.4440% | 3,303 |
| Core capital (leverage) ratio | 10.3168% | 3,155 |
| Tier 1 risk-based capital ratio | 11.3264% | 6,009 |
| Total risk-based capital ratio | 12.5246% | 5,980 |
| Memoranda: | ||
| Average total assets | $99,200,000 | 4,753 |
| Average earning assets | $92,122,500 | 4,725 |
| Average equity | $10,052,000 | 4,804 |
| Average total loans | $84,311,000 | 3,836 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9865% | 941 |
| Cost of funding earning assets | 0.6043% | 2,622 |
| Net interest margin | 4.3822% | 940 |
| Noninterest income to average assets | 0.2384% | 5,642 |
| Noninterest expense to average assets | 2.0008% | 6,024 |
| Loan and lease loss provision to assets | 0.0505% | 4,127 |
| Net operating income to assets | 2.0877% | 294 |
| Return on assets (ROA) | 2.0877% | 298 |
| Pretax return on assets | 2.2523% | 288 |
| Return on Equity (ROE) | 21.3776% | 216 |
| Retained earnings to average equity (ytd only) | 5.8641% | 2,058 |
| Net charge-offs to loans | -0.0085% | 5,997 |
| Credit loss provision to net charge-offs | -714.2857% | 6,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4914% | 6,535 |
| Assets per employee ($millions) | 4.6277% | 2,688 |
| Cash dividends to net income (ytd only)* | 72.5689% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 4,402 |
| Loan loss allowance to noncurrent loans | 408.4291% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 5,491 |
| Noncurrent loans to loans | 0.3053% | 5,275 |
| Net loans and leases to total assets | 82.9308% | 331 |
| Net loans and leases to deposits | 106.7274% | 240 |
| Net loans and leases to core deposits | 113.1237% | 494 |
| Total domestic deposits to total assets | 77.7033% | 5,871 |
| Equity capital to assets | 9.8380% | 3,976 |
| Core capital (leverage) ratio | 10.0830% | 3,458 |
| Tier 1 risk-based capital ratio | 10.6173% | 6,330 |
| Total risk-based capital ratio | 11.7504% | 6,323 |
| Memoranda: | ||
| Average total assets | $99,009,000 | 4,762 |
| Average earning assets | $91,848,400 | 4,721 |
| Average equity | $9,669,000 | 4,933 |
| Average total loans | $82,452,400 | 3,869 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 1,004 |
| Cost of funding earning assets | 0.6410% | 2,448 |
| Net interest margin | 4.3247% | 1,036 |
| Noninterest income to average assets | 0.2495% | 5,646 |
| Noninterest expense to average assets | 1.8933% | 6,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1971% | 262 |
| Return on assets (ROA) | 2.1971% | 270 |
| Pretax return on assets | 2.3734% | 283 |
| Return on Equity (ROE) | 22.5412% | 187 |
| Retained earnings to average equity (ytd only) | 6.5397% | 2,112 |
| Net charge-offs to loans | -0.0114% | 5,916 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3738% | 6,643 |
| Assets per employee ($millions) | 4.9253% | 2,266 |
| Cash dividends to net income (ytd only)* | 70.9878% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 5,024 |
| Loan loss allowance to noncurrent loans | 176.0832% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 4,781 |
| Noncurrent loans to loans | 0.6641% | 4,539 |
| Net loans and leases to total assets | 83.0148% | 292 |
| Net loans and leases to deposits | 99.6981% | 476 |
| Net loans and leases to core deposits | 111.7280% | 514 |
| Total domestic deposits to total assets | 83.2661% | 4,476 |
| Equity capital to assets | 9.5871% | 4,440 |
| Core capital (leverage) ratio | 10.1951% | 3,409 |
| Tier 1 risk-based capital ratio | 10.4436% | 6,474 |
| Total risk-based capital ratio | 11.5163% | 6,493 |
| Memoranda: | ||
| Average total assets | $98,309,000 | 4,824 |
| Average earning assets | $91,317,250 | 4,779 |
| Average equity | $9,582,250 | 5,010 |
| Average total loans | $81,691,250 | 3,922 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 1,317 |
| Cost of funding earning assets | 0.6962% | 2,087 |
| Net interest margin | 4.1106% | 1,509 |
| Noninterest income to average assets | 0.2919% | 5,363 |
| Noninterest expense to average assets | 1.9482% | 6,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.9648% | 374 |
| Return on assets (ROA) | 1.9648% | 403 |
| Pretax return on assets | 2.1697% | 446 |
| Return on Equity (ROE) | 20.0401% | 296 |
| Retained earnings to average equity (ytd only) | 1.0347% | 5,491 |
| Net charge-offs to loans | -0.0100% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3102% | 6,580 |
| Assets per employee ($millions) | 4.7594% | 2,435 |
| Cash dividends to net income (ytd only)* | 94.8367% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 5,013 |
| Loan loss allowance to noncurrent loans | 456.3063% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 5,822 |
| Noncurrent loans to loans | 0.2623% | 5,656 |
| Net loans and leases to total assets | 83.6725% | 255 |
| Net loans and leases to deposits | 100.3564% | 406 |
| Net loans and leases to core deposits | 113.2187% | 453 |
| Total domestic deposits to total assets | 83.3754% | 4,558 |
| Equity capital to assets | 9.4809% | 4,609 |
| Core capital (leverage) ratio | 9.8476% | 3,725 |
| Tier 1 risk-based capital ratio | 10.2807% | 6,572 |
| Total risk-based capital ratio | 11.3803% | 6,579 |
| Memoranda: | ||
| Average total assets | $96,601,670 | 4,902 |
| Average earning assets | $89,913,000 | 4,850 |
| Average equity | $9,471,000 | 5,067 |
| Average total loans | $79,962,000 | 3,982 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7709% | 1,347 |
| Cost of funding earning assets | 0.7134% | 2,106 |
| Net interest margin | 4.0575% | 1,597 |
| Noninterest income to average assets | 0.4003% | 4,453 |
| Noninterest expense to average assets | 1.7698% | 6,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1701% | 257 |
| Return on assets (ROA) | 2.1701% | 282 |
| Pretax return on assets | 2.3934% | 314 |
| Return on Equity (ROE) | 21.7564% | 208 |
| Retained earnings to average equity (ytd only) | 0.6337% | 5,575 |
| Net charge-offs to loans | -0.0103% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5101% | 6,820 |
| Assets per employee ($millions) | 4.5535% | 2,877 |
| Cash dividends to net income (ytd only)* | 97.0874% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,754 |
| Loan loss allowance to noncurrent loans | 255.3030% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 5,362 |
| Noncurrent loans to loans | 0.5056% | 5,164 |
| Net loans and leases to total assets | 80.8552% | 357 |
| Net loans and leases to deposits | 93.4220% | 703 |
| Net loans and leases to core deposits | 98.7496% | 1,029 |
| Total domestic deposits to total assets | 86.5484% | 3,207 |
| Equity capital to assets | 9.9107% | 4,261 |
| Core capital (leverage) ratio | 9.9109% | 3,512 |
| Tier 1 risk-based capital ratio | 10.6798% | 6,531 |
| Total risk-based capital ratio | 11.8240% | 6,532 |
| Memoranda: | ||
| Average total assets | $94,928,500 | 4,978 |
| Average earning assets | $88,033,500 | 4,933 |
| Average equity | $9,468,500 | 5,116 |
| Average total loans | $77,622,000 | 4,078 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2528% | 1,010 |
| Cost of funding earning assets | 0.8743% | 2,102 |
| Net interest margin | 4.3785% | 1,205 |
| Noninterest income to average assets | 0.2936% | 5,365 |
| Noninterest expense to average assets | 2.0575% | 6,214 |
| Loan and lease loss provision to assets | 0.0522% | 5,156 |
| Net operating income to assets | 2.1202% | 294 |
| Return on assets (ROA) | 2.1202% | 322 |
| Pretax return on assets | 2.2341% | 380 |
| Return on Equity (ROE) | 22.4730% | 198 |
| Retained earnings to average equity (ytd only) | 9.1819% | 770 |
| Net charge-offs to loans | -0.0076% | 6,430 |
| Credit loss provision to net charge-offs | -833.3333% | 6,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3659% | 6,737 |
| Assets per employee ($millions) | 4.4873% | 2,984 |
| Cash dividends to net income (ytd only)* | 59.1424% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 4,576 |
| Loan loss allowance to noncurrent loans | 170.4392% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 4,898 |
| Noncurrent loans to loans | 0.7697% | 4,645 |
| Net loans and leases to total assets | 80.5525% | 417 |
| Net loans and leases to deposits | 93.2805% | 803 |
| Net loans and leases to core deposits | 99.3729% | 1,057 |
| Total domestic deposits to total assets | 86.3551% | 3,173 |
| Equity capital to assets | 10.0389% | 4,116 |
| Core capital (leverage) ratio | 9.9129% | 3,525 |
| Tier 1 risk-based capital ratio | 11.0407% | 6,335 |
| Total risk-based capital ratio | 12.2230% | 6,321 |
| Memoranda: | ||
| Average total assets | $95,699,400 | 4,947 |
| Average earning assets | $88,523,600 | 4,909 |
| Average equity | $9,028,600 | 5,213 |
| Average total loans | $78,674,400 | 4,077 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2461% | 1,104 |
| Cost of funding earning assets | 0.9018% | 2,158 |
| Net interest margin | 4.3443% | 1,360 |
| Noninterest income to average assets | 0.3192% | 5,234 |
| Noninterest expense to average assets | 1.9653% | 6,415 |
| Loan and lease loss provision to assets | 0.0347% | 5,336 |
| Net operating income to assets | 2.2276% | 269 |
| Return on assets (ROA) | 2.2276% | 299 |
| Pretax return on assets | 2.3442% | 380 |
| Return on Equity (ROE) | 23.9885% | 167 |
| Retained earnings to average equity (ytd only) | 13.5262% | 345 |
| Net charge-offs to loans | -0.0101% | 6,367 |
| Credit loss provision to net charge-offs | -416.6667% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2396% | 6,857 |
| Assets per employee ($millions) | 4.7109% | 2,587 |
| Cash dividends to net income (ytd only)* | 43.6136% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,273 |
| Loan loss allowance to noncurrent loans | 194.4664% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 5,395 |
| Noncurrent loans to loans | 0.6179% | 5,203 |
| Net loans and leases to total assets | 81.7787% | 362 |
| Net loans and leases to deposits | 94.0393% | 791 |
| Net loans and leases to core deposits | 103.4380% | 897 |
| Total domestic deposits to total assets | 86.9622% | 2,690 |
| Equity capital to assets | 9.6323% | 5,017 |
| Core capital (leverage) ratio | 9.6827% | 3,990 |
| Tier 1 risk-based capital ratio | 10.4799% | 6,672 |
| Total risk-based capital ratio | 11.5656% | 6,698 |
| Memoranda: | ||
| Average total assets | $96,066,000 | 4,985 |
| Average earning assets | $89,003,500 | 4,937 |
| Average equity | $8,920,750 | 5,291 |
| Average total loans | $79,114,000 | 4,106 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 1,313 |
| Cost of funding earning assets | 0.9377% | 2,137 |
| Net interest margin | 4.2414% | 1,632 |
| Noninterest income to average assets | 0.3407% | 5,104 |
| Noninterest expense to average assets | 2.0965% | 6,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0439% | 365 |
| Return on assets (ROA) | 2.0439% | 408 |
| Pretax return on assets | 2.1722% | 514 |
| Return on Equity (ROE) | 22.2987% | 240 |
| Retained earnings to average equity (ytd only) | 6.2400% | 2,542 |
| Net charge-offs to loans | -0.0153% | 6,372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1133% | 6,705 |
| Assets per employee ($millions) | 4.6001% | 2,727 |
| Cash dividends to net income (ytd only)* | 72.0165% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1766% | 5,454 |
| Loan loss allowance to noncurrent loans | 109.4749% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9068% | 4,558 |
| Noncurrent loans to loans | 1.0747% | 4,373 |
| Net loans and leases to total assets | 83.3825% | 243 |
| Net loans and leases to deposits | 104.7968% | 263 |
| Net loans and leases to core deposits | 110.7887% | 550 |
| Total domestic deposits to total assets | 79.5659% | 5,845 |
| Equity capital to assets | 9.1726% | 5,496 |
| Core capital (leverage) ratio | 9.4252% | 4,260 |
| Tier 1 risk-based capital ratio | 10.0357% | 6,815 |
| Total risk-based capital ratio | 11.1218% | 6,848 |
| Memoranda: | ||
| Average total assets | $95,112,000 | 5,032 |
| Average earning assets | $88,084,330 | 4,989 |
| Average equity | $8,718,000 | 5,346 |
| Average total loans | $78,190,000 | 4,149 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 1,079 |
| Cost of funding earning assets | 0.9872% | 2,050 |
| Net interest margin | 4.3207% | 1,403 |
| Noninterest income to average assets | 0.3984% | 4,687 |
| Noninterest expense to average assets | 1.8439% | 6,747 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3822% | 211 |
| Return on assets (ROA) | 2.3822% | 262 |
| Pretax return on assets | 2.5433% | 315 |
| Return on Equity (ROE) | 25.9990% | 163 |
| Retained earnings to average equity (ytd only) | 5.1813% | 3,453 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0290% | 7,055 |
| Assets per employee ($millions) | 4.3197% | 3,355 |
| Cash dividends to net income (ytd only)* | 80.0712% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 5,175 |
| Loan loss allowance to noncurrent loans | 174.2230% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,449 |
| Noncurrent loans to loans | 0.7268% | 5,206 |
| Net loans and leases to total assets | 78.1897% | 571 |
| Net loans and leases to deposits | 89.5944% | 996 |
| Net loans and leases to core deposits | 97.4812% | 1,167 |
| Total domestic deposits to total assets | 87.2707% | 2,786 |
| Equity capital to assets | 9.1547% | 5,287 |
| Core capital (leverage) ratio | 9.1871% | 4,540 |
| Tier 1 risk-based capital ratio | 10.1844% | 6,834 |
| Total risk-based capital ratio | 11.3000% | 6,861 |
| Memoranda: | ||
| Average total assets | $94,366,500 | 5,089 |
| Average earning assets | $87,115,000 | 5,050 |
| Average equity | $8,646,500 | 5,382 |
| Average total loans | $76,530,500 | 4,229 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 1,207 |
| Cost of funding earning assets | 1.2167% | 1,916 |
| Net interest margin | 4.2653% | 1,822 |
| Noninterest income to average assets | 0.2964% | 5,405 |
| Noninterest expense to average assets | 2.0811% | 6,528 |
| Loan and lease loss provision to assets | 0.0529% | 5,927 |
| Net operating income to assets | 2.0028% | 308 |
| Return on assets (ROA) | 2.0028% | 329 |
| Pretax return on assets | 2.1182% | 430 |
| Return on Equity (ROE) | 23.1664% | 155 |
| Retained earnings to average equity (ytd only) | 9.6976% | 628 |
| Net charge-offs to loans | 0.0349% | 5,963 |
| Credit loss provision to net charge-offs | 185.1852% | 1,395 |
| Earnings coverage of net charge-offs (x) | 75.9630% | 398 |
| Efficiency ratio | 48.9420% | 6,895 |
| Assets per employee ($millions) | 4.2591% | 3,345 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,278 |
| Loan loss allowance to noncurrent loans | 151.9936% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 5,316 |
| Noncurrent loans to loans | 0.8059% | 5,079 |
| Net loans and leases to total assets | 82.0160% | 339 |
| Net loans and leases to deposits | 94.6265% | 767 |
| Net loans and leases to core deposits | 99.9389% | 1,184 |
| Total domestic deposits to total assets | 86.6734% | 2,933 |
| Equity capital to assets | 9.1708% | 5,329 |
| Core capital (leverage) ratio | 8.8816% | 4,974 |
| Tier 1 risk-based capital ratio | 10.1947% | 6,802 |
| Total risk-based capital ratio | 11.3253% | 6,823 |
| Memoranda: | ||
| Average total assets | $94,467,600 | 5,064 |
| Average earning assets | $87,613,800 | 5,001 |
| Average equity | $8,167,000 | 5,523 |
| Average total loans | $77,413,800 | 4,231 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6541% | 924 |
| Cost of funding earning assets | 1.2698% | 1,864 |
| Net interest margin | 4.3843% | 1,449 |
| Noninterest income to average assets | 0.3113% | 5,375 |
| Noninterest expense to average assets | 1.9719% | 6,746 |
| Loan and lease loss provision to assets | 0.0423% | 5,909 |
| Net operating income to assets | 2.2565% | 230 |
| Return on assets (ROA) | 2.2565% | 249 |
| Pretax return on assets | 2.3677% | 317 |
| Return on Equity (ROE) | 26.4990% | 104 |
| Retained earnings to average equity (ytd only) | 8.3037% | 1,391 |
| Net charge-offs to loans | 0.0466% | 5,523 |
| Credit loss provision to net charge-offs | 111.1111% | 2,954 |
| Earnings coverage of net charge-offs (x) | 63.3689% | 521 |
| Efficiency ratio | 45.0016% | 7,103 |
| Assets per employee ($millions) | 4.5365% | 2,856 |
| Cash dividends to net income (ytd only)* | 68.6641% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,726 |
| Loan loss allowance to noncurrent loans | 141.7933% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.6593% | 5,492 |
| Noncurrent loans to loans | 0.8046% | 5,263 |
| Net loans and leases to total assets | 81.0018% | 426 |
| Net loans and leases to deposits | 91.7628% | 1,032 |
| Net loans and leases to core deposits | 107.1279% | 807 |
| Total domestic deposits to total assets | 88.2730% | 1,886 |
| Equity capital to assets | 8.3193% | 6,464 |
| Core capital (leverage) ratio | 8.3194% | 5,948 |
| Tier 1 risk-based capital ratio | 9.1804% | 7,094 |
| Total risk-based capital ratio | 10.2120% | 7,117 |
| Memoranda: | ||
| Average total assets | $94,659,500 | 5,085 |
| Average earning assets | $87,887,000 | 5,033 |
| Average equity | $8,060,500 | 5,579 |
| Average total loans | $77,316,750 | 4,270 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5798% | 1,110 |
| Cost of funding earning assets | 1.2873% | 2,021 |
| Net interest margin | 4.2925% | 1,695 |
| Noninterest income to average assets | 0.3292% | 5,257 |
| Noninterest expense to average assets | 2.1497% | 6,502 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.0507% | 317 |
| Return on assets (ROA) | 2.0507% | 328 |
| Pretax return on assets | 2.1690% | 433 |
| Return on Equity (ROE) | 23.8857% | 163 |
| Retained earnings to average equity (ytd only) | 12.6070% | 436 |
| Net charge-offs to loans | 0.0158% | 5,622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 168.0000% | 213 |
| Efficiency ratio | 49.7758% | 6,951 |
| Assets per employee ($millions) | 4.6812% | 2,577 |
| Cash dividends to net income (ytd only)* | 47.2193% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 5,845 |
| Loan loss allowance to noncurrent loans | 101.0941% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 5,004 |
| Noncurrent loans to loans | 1.1134% | 4,808 |
| Net loans and leases to total assets | 82.5675% | 333 |
| Net loans and leases to deposits | 101.3397% | 436 |
| Net loans and leases to core deposits | 113.7651% | 582 |
| Total domestic deposits to total assets | 81.4760% | 5,359 |
| Equity capital to assets | 8.4472% | 6,239 |
| Core capital (leverage) ratio | 8.7637% | 5,103 |
| Tier 1 risk-based capital ratio | 9.2041% | 7,152 |
| Total risk-based capital ratio | 10.2282% | 7,179 |
| Memoranda: | ||
| Average total assets | $92,944,670 | 5,173 |
| Average earning assets | $86,383,330 | 5,117 |
| Average equity | $7,979,670 | 5,616 |
| Average total loans | $75,830,330 | 4,350 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6369% | 995 |
| Cost of funding earning assets | 1.3639% | 1,809 |
| Net interest margin | 4.2730% | 1,653 |
| Noninterest income to average assets | 0.3146% | 5,411 |
| Noninterest expense to average assets | 1.9676% | 6,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.1404% | 286 |
| Return on assets (ROA) | 2.1404% | 295 |
| Pretax return on assets | 2.3176% | 328 |
| Return on Equity (ROE) | 24.7138% | 174 |
| Retained earnings to average equity (ytd only) | 1.6885% | 5,107 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9152% | 7,207 |
| Assets per employee ($millions) | 4.5372% | 2,824 |
| Cash dividends to net income (ytd only)* | 93.1677% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 5,437 |
| Loan loss allowance to noncurrent loans | 96.3731% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 4,800 |
| Noncurrent loans to loans | 1.2890% | 4,547 |
| Net loans and leases to total assets | 81.4796% | 391 |
| Net loans and leases to deposits | 93.0704% | 911 |
| Net loans and leases to core deposits | 97.6607% | 1,552 |
| Total domestic deposits to total assets | 87.5461% | 2,639 |
| Equity capital to assets | 8.6332% | 5,736 |
| Core capital (leverage) ratio | 8.5890% | 5,283 |
| Tier 1 risk-based capital ratio | 9.4288% | 7,164 |
| Total risk-based capital ratio | 10.5481% | 7,188 |
| Memoranda: | ||
| Average total assets | $90,264,500 | 5,282 |
| Average earning assets | $83,876,000 | 5,236 |
| Average equity | $7,817,500 | 5,674 |
| Average total loans | $72,699,500 | 4,527 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 1,515 |
| Cost of funding earning assets | 1.7344% | 1,447 |
| Net interest margin | 3.9806% | 3,103 |
| Noninterest income to average assets | 0.2504% | 6,007 |
| Noninterest expense to average assets | 2.1828% | 6,661 |
| Loan and lease loss provision to assets | 0.0233% | 6,890 |
| Net operating income to assets | 1.5795% | 646 |
| Return on assets (ROA) | 1.5795% | 705 |
| Pretax return on assets | 1.6773% | 984 |
| Return on Equity (ROE) | 18.1371% | 371 |
| Retained earnings to average equity (ytd only) | 7.1023% | 1,279 |
| Net charge-offs to loans | -0.0158% | 7,345 |
| Credit loss provision to net charge-offs | -181.8182% | 7,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2088% | 6,577 |
| Assets per employee ($millions) | 4.2755% | 3,255 |
| Cash dividends to net income (ytd only)* | 60.8407% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 4,904 |
| Loan loss allowance to noncurrent loans | 74.6388% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3877% | 4,258 |
| Noncurrent loans to loans | 1.7666% | 3,861 |
| Net loans and leases to total assets | 77.5199% | 1,015 |
| Net loans and leases to deposits | 88.6661% | 1,700 |
| Net loans and leases to core deposits | 93.0869% | 2,371 |
| Total domestic deposits to total assets | 87.4290% | 2,596 |
| Equity capital to assets | 8.6884% | 5,600 |
| Core capital (leverage) ratio | 8.9108% | 4,676 |
| Tier 1 risk-based capital ratio | 9.7166% | 7,076 |
| Total risk-based capital ratio | 10.8750% | 7,107 |
| Memoranda: | ||
| Average total assets | $85,852,400 | 5,412 |
| Average earning assets | $78,355,600 | 5,401 |
| Average equity | $7,476,400 | 5,882 |
| Average total loans | $69,787,400 | 4,692 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7269% | 1,622 |
| Cost of funding earning assets | 1.7937% | 1,438 |
| Net interest margin | 3.9333% | 3,388 |
| Noninterest income to average assets | 0.2576% | 6,056 |
| Noninterest expense to average assets | 2.2230% | 6,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5192% | 884 |
| Return on assets (ROA) | 1.5192% | 967 |
| Pretax return on assets | 1.6071% | 1,330 |
| Return on Equity (ROE) | 17.4342% | 539 |
| Retained earnings to average equity (ytd only) | 9.3211% | 958 |
| Net charge-offs to loans | -0.0192% | 7,349 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0394% | 6,267 |
| Assets per employee ($millions) | 4.3072% | 3,245 |
| Cash dividends to net income (ytd only)* | 46.5361% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 5,133 |
| Loan loss allowance to noncurrent loans | 63.3008% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.5876% | 4,069 |
| Noncurrent loans to loans | 2.0006% | 3,675 |
| Net loans and leases to total assets | 78.3521% | 976 |
| Net loans and leases to deposits | 89.5288% | 1,782 |
| Net loans and leases to core deposits | 94.3111% | 2,481 |
| Total domestic deposits to total assets | 87.5160% | 2,251 |
| Equity capital to assets | 8.6090% | 6,140 |
| Core capital (leverage) ratio | 9.0241% | 4,658 |
| Tier 1 risk-based capital ratio | 9.5437% | 7,244 |
| Total risk-based capital ratio | 10.6578% | 7,280 |
| Memoranda: | ||
| Average total assets | $84,869,000 | 5,508 |
| Average earning assets | $77,084,250 | 5,513 |
| Average equity | $7,395,250 | 5,989 |
| Average total loans | $69,601,250 | 4,772 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 2,090 |
| Cost of funding earning assets | 1.7731% | 1,751 |
| Net interest margin | 3.8395% | 3,716 |
| Noninterest income to average assets | 0.2795% | 5,913 |
| Noninterest expense to average assets | 2.3516% | 6,215 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3155% | 1,266 |
| Return on assets (ROA) | 1.3155% | 1,337 |
| Pretax return on assets | 1.4288% | 1,755 |
| Return on Equity (ROE) | 15.0317% | 854 |
| Retained earnings to average equity (ytd only) | 2.6429% | 4,459 |
| Net charge-offs to loans | -0.0203% | 7,289 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2052% | 5,653 |
| Assets per employee ($millions) | 4.0467% | 3,680 |
| Cash dividends to net income (ytd only)* | 82.4176% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 5,015 |
| Loan loss allowance to noncurrent loans | 57.5604% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.8557% | 3,683 |
| Noncurrent loans to loans | 2.2305% | 3,448 |
| Net loans and leases to total assets | 81.9734% | 534 |
| Net loans and leases to deposits | 94.0107% | 1,273 |
| Net loans and leases to core deposits | 99.2011% | 2,101 |
| Total domestic deposits to total assets | 87.1958% | 2,433 |
| Equity capital to assets | 8.6679% | 5,919 |
| Core capital (leverage) ratio | 8.7471% | 5,013 |
| Tier 1 risk-based capital ratio | 9.4397% | 7,291 |
| Total risk-based capital ratio | 10.6008% | 7,317 |
| Memoranda: | ||
| Average total assets | $83,008,000 | 5,596 |
| Average earning assets | $75,687,000 | 5,588 |
| Average equity | $7,264,670 | 6,045 |
| Average total loans | $68,875,000 | 4,828 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6283% | 2,038 |
| Cost of funding earning assets | 1.7265% | 2,260 |
| Net interest margin | 3.9019% | 3,315 |
| Noninterest income to average assets | 0.3560% | 5,290 |
| Noninterest expense to average assets | 2.0385% | 7,089 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6483% | 685 |
| Return on assets (ROA) | 1.6483% | 733 |
| Pretax return on assets | 1.8775% | 764 |
| Return on Equity (ROE) | 18.7413% | 456 |
| Retained earnings to average equity (ytd only) | -6.2101% | 6,677 |
| Net charge-offs to loans | -0.0176% | 7,041 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0548% | 7,146 |
| Assets per employee ($millions) | 3.8988% | 4,100 |
| Cash dividends to net income (ytd only)* | 133.1361% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,792 |
| Loan loss allowance to noncurrent loans | 122.2222% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9050% | 5,345 |
| Noncurrent loans to loans | 1.0854% | 5,185 |
| Net loans and leases to total assets | 81.9456% | 604 |
| Net loans and leases to deposits | 94.2450% | 1,322 |
| Net loans and leases to core deposits | 99.6332% | 2,167 |
| Total domestic deposits to total assets | 86.9496% | 2,655 |
| Equity capital to assets | 8.7426% | 5,665 |
| Core capital (leverage) ratio | 8.7185% | 4,989 |
| Tier 1 risk-based capital ratio | 9.5976% | 7,250 |
| Total risk-based capital ratio | 10.8070% | 7,267 |
| Memoranda: | ||
| Average total assets | $82,022,000 | 5,705 |
| Average earning assets | $74,835,500 | 5,675 |
| Average equity | $7,214,000 | 6,108 |
| Average total loans | $68,029,000 | 4,934 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5102% | 658 |
| Cost of funding earning assets | 1.9565% | 3,181 |
| Net interest margin | 4.5537% | 1,066 |
| Noninterest income to average assets | 0.2780% | 6,112 |
| Noninterest expense to average assets | 2.4644% | 6,256 |
| Loan and lease loss provision to assets | 0.0653% | 6,921 |
| Net operating income to assets | 1.8248% | 338 |
| Return on assets (ROA) | 1.8248% | 348 |
| Pretax return on assets | 1.9045% | 503 |
| Return on Equity (ROE) | 20.3713% | 232 |
| Retained earnings to average equity (ytd only) | 8.7139% | 539 |
| Net charge-offs to loans | 0.0140% | 7,025 |
| Credit loss provision to net charge-offs | 555.5556% | 540 |
| Earnings coverage of net charge-offs (x) | 167.6667% | 171 |
| Efficiency ratio | 55.5785% | 7,062 |
| Assets per employee ($millions) | 3.9128% | 3,997 |
| Cash dividends to net income (ytd only)* | 57.2246% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 4,645 |
| Loan loss allowance to noncurrent loans | 181.6162% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 5,939 |
| Noncurrent loans to loans | 0.7273% | 5,801 |
| Net loans and leases to total assets | 81.7389% | 731 |
| Net loans and leases to deposits | 96.4210% | 1,278 |
| Net loans and leases to core deposits | 126.5955% | 1,470 |
| Total domestic deposits to total assets | 84.7728% | 3,669 |
| Equity capital to assets | 8.8476% | 5,361 |
| Core capital (leverage) ratio | 8.9324% | 4,534 |
| Tier 1 risk-based capital ratio | 9.7986% | 7,021 |
| Total risk-based capital ratio | 11.0103% | 7,039 |
| Memoranda: | ||
| Average total assets | $76,609,600 | 5,821 |
| Average earning assets | $69,921,000 | 5,813 |
| Average equity | $6,862,600 | 6,314 |
| Average total loans | $64,452,600 | 5,086 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5902% | 630 |
| Cost of funding earning assets | 1.9718% | 3,506 |
| Net interest margin | 4.6184% | 962 |
| Noninterest income to average assets | 0.2818% | 6,223 |
| Noninterest expense to average assets | 2.5241% | 5,998 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8966% | 359 |
| Return on assets (ROA) | 1.8966% | 385 |
| Pretax return on assets | 1.9799% | 565 |
| Return on Equity (ROE) | 21.1017% | 251 |
| Retained earnings to average equity (ytd only) | 5.3247% | 2,298 |
| Net charge-offs to loans | 0.0252% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 93.0813% | 379 |
| Efficiency ratio | 56.0409% | 6,992 |
| Assets per employee ($millions) | 3.8261% | 4,136 |
| Cash dividends to net income (ytd only)* | 74.7664% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 4,991 |
| Loan loss allowance to noncurrent loans | 1,208.5714% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 7,316 |
| Noncurrent loans to loans | 0.1012% | 7,224 |
| Net loans and leases to total assets | 85.0465% | 433 |
| Net loans and leases to deposits | 99.6064% | 1,142 |
| Net loans and leases to core deposits | 131.2273% | 1,361 |
| Total domestic deposits to total assets | 85.3825% | 3,036 |
| Equity capital to assets | 8.6398% | 6,052 |
| Core capital (leverage) ratio | 8.6702% | 5,182 |
| Tier 1 risk-based capital ratio | 9.0533% | 7,599 |
| Total risk-based capital ratio | 10.1566% | 7,676 |
| Memoranda: | ||
| Average total assets | $75,219,750 | 5,903 |
| Average earning assets | $68,766,750 | 5,891 |
| Average equity | $6,760,750 | 6,402 |
| Average total loans | $63,550,000 | 5,149 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6094% | 652 |
| Cost of funding earning assets | 1.9915% | 3,816 |
| Net interest margin | 4.6179% | 923 |
| Noninterest income to average assets | 0.3183% | 5,957 |
| Noninterest expense to average assets | 2.4024% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0378% | 271 |
| Return on assets (ROA) | 2.0378% | 293 |
| Pretax return on assets | 2.1303% | 405 |
| Return on Equity (ROE) | 22.3571% | 220 |
| Retained earnings to average equity (ytd only) | 7.4325% | 1,420 |
| Net charge-offs to loans | 0.0486% | 5,794 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 52.2000% | 667 |
| Efficiency ratio | 53.0012% | 7,439 |
| Assets per employee ($millions) | 3.7090% | 4,300 |
| Cash dividends to net income (ytd only)* | 66.7557% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 4,500 |
| Loan loss allowance to noncurrent loans | 318.1132% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 6,553 |
| Noncurrent loans to loans | 0.3977% | 6,516 |
| Net loans and leases to total assets | 84.4587% | 568 |
| Net loans and leases to deposits | 102.7313% | 1,020 |
| Net loans and leases to core deposits | 140.8711% | 977 |
| Total domestic deposits to total assets | 82.2131% | 4,601 |
| Equity capital to assets | 8.8857% | 5,475 |
| Core capital (leverage) ratio | 9.1566% | 4,369 |
| Tier 1 risk-based capital ratio | 9.2726% | 7,562 |
| Total risk-based capital ratio | 10.4021% | 7,623 |
| Memoranda: | ||
| Average total assets | $73,510,000 | 5,990 |
| Average earning assets | $67,086,330 | 5,976 |
| Average equity | $6,700,330 | 6,467 |
| Average total loans | $61,673,330 | 5,262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 1,284 |
| Cost of funding earning assets | 2.0750% | 3,772 |
| Net interest margin | 4.2302% | 1,801 |
| Noninterest income to average assets | 0.3702% | 5,461 |
| Noninterest expense to average assets | 2.2378% | 6,731 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8845% | 449 |
| Return on assets (ROA) | 1.8845% | 499 |
| Pretax return on assets | 1.9742% | 697 |
| Return on Equity (ROE) | 20.3945% | 396 |
| Retained earnings to average equity (ytd only) | -9.9545% | 7,105 |
| Net charge-offs to loans | 0.1351% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,501 |
| Efficiency ratio | 53.1292% | 7,307 |
| Assets per employee ($millions) | 3.4513% | 4,940 |
| Cash dividends to net income (ytd only)* | 148.8095% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 3,699 |
| Loan loss allowance to noncurrent loans | 126.2048% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9382% | 4,845 |
| Noncurrent loans to loans | 1.0833% | 4,815 |
| Net loans and leases to total assets | 83.4168% | 783 |
| Net loans and leases to deposits | 104.3423% | 986 |
| Net loans and leases to core deposits | 127.2238% | 1,838 |
| Total domestic deposits to total assets | 79.9454% | 5,391 |
| Equity capital to assets | 8.9794% | 5,383 |
| Core capital (leverage) ratio | 9.1826% | 4,434 |
| Tier 1 risk-based capital ratio | 8.8746% | 7,854 |
| Total risk-based capital ratio | 10.0173% | 7,953 |
| Memoranda: | ||
| Average total assets | $71,320,500 | 6,091 |
| Average earning assets | $64,772,000 | 6,078 |
| Average equity | $6,590,000 | 6,547 |
| Average total loans | $59,196,500 | 5,394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0677% | 974 |
| Cost of funding earning assets | 2.7513% | 2,921 |
| Net interest margin | 4.3163% | 1,928 |
| Noninterest income to average assets | 0.3123% | 6,218 |
| Noninterest expense to average assets | 2.5575% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5585% | 911 |
| Return on assets (ROA) | 1.3313% | 1,354 |
| Pretax return on assets | 1.4059% | 1,958 |
| Return on Equity (ROE) | 13.4107% | 1,236 |
| Retained earnings to average equity (ytd only) | 2.6699% | 3,514 |
| Net charge-offs to loans | -0.0842% | 8,073 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8554% | 6,193 |
| Assets per employee ($millions) | 3.3411% | 5,116 |
| Cash dividends to net income (ytd only)* | 80.0915% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 2,675 |
| Loan loss allowance to noncurrent loans | 151.3228% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 4,770 |
| Noncurrent loans to loans | 0.9930% | 4,609 |
| Net loans and leases to total assets | 80.1536% | 1,626 |
| Net loans and leases to deposits | 93.8881% | 2,785 |
| Net loans and leases to core deposits | 112.7215% | 3,483 |
| Total domestic deposits to total assets | 85.3714% | 2,681 |
| Equity capital to assets | 9.5091% | 4,680 |
| Core capital (leverage) ratio | 9.6327% | 3,845 |
| Tier 1 risk-based capital ratio | 9.3919% | 7,415 |
| Total risk-based capital ratio | 10.5997% | 7,389 |
| Memoranda: | ||
| Average total assets | $65,651,200 | 6,173 |
| Average earning assets | $59,171,000 | 6,214 |
| Average equity | $6,517,200 | 6,636 |
| Average total loans | $52,252,400 | 5,609 |