Home > Great Plains State Bank > Performance and Condition Ratios
Great Plains State 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 | 6.0160% | 623 |
| Cost of funding earning assets | 2.4813% | 377 |
| Net interest margin | 3.5347% | 2,110 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.4361% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8225% | 2,797 |
| Return on assets (ROA) | 0.8300% | 2,754 |
| Pretax return on assets | 1.0821% | 2,464 |
| Return on Equity (ROE) | 6.7000% | 3,363 |
| Retained earnings to average equity (ytd only) | -4.7468% | 4,385 |
| Net charge-offs to loans | 0.0434% | 1,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 30.9386% | 1,616 |
| Efficiency ratio | 69.4288% | 1,966 |
| Assets per employee ($millions) | 7.4072% | 1,800 |
| Cash dividends to net income (ytd only)* | 170.7952% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 863 |
| Loan loss allowance to noncurrent loans | 168.2279% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 654 |
| Noncurrent loans to loans | 0.9432% | 790 |
| Net loans and leases to total assets | 82.0200% | 431 |
| Net loans and leases to deposits | 106.1399% | 288 |
| Net loans and leases to core deposits | 126.3510% | 476 |
| Total domestic deposits to total assets | 77.2700% | 3,814 |
| Equity capital to assets | 12.3811% | 1,014 |
| Core capital (leverage) ratio | 12.3354% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $328,802,200 | 2,273 |
| Average earning assets | $314,875,400 | 2,223 |
| Average equity | $40,701,200 | 1,866 |
| Average total loans | $262,828,600 | 1,945 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8725% | 630 |
| Cost of funding earning assets | 2.2958% | 411 |
| Net interest margin | 3.5767% | 2,060 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.4989% | 2,230 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7985% | 3,027 |
| Return on assets (ROA) | 0.8040% | 3,010 |
| Pretax return on assets | 1.0560% | 2,692 |
| Return on Equity (ROE) | 6.5000% | 3,545 |
| Retained earnings to average equity (ytd only) | 2.7000% | 3,584 |
| Net charge-offs to loans | -0.0476% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.4299% | 1,738 |
| Assets per employee ($millions) | 7.8386% | 1,432 |
| Cash dividends to net income (ytd only)* | 58.4298% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6907% | 713 |
| Loan loss allowance to noncurrent loans | 108.0861% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 351 |
| Noncurrent loans to loans | 1.5642% | 453 |
| Net loans and leases to total assets | 77.9400% | 893 |
| Net loans and leases to deposits | 95.8191% | 765 |
| Net loans and leases to core deposits | 113.4106% | 757 |
| Total domestic deposits to total assets | 81.3400% | 3,330 |
| Equity capital to assets | 11.6532% | 1,138 |
| Core capital (leverage) ratio | 12.1594% | 1,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $329,523,500 | 2,272 |
| Average earning assets | $316,220,750 | 2,225 |
| Average equity | $40,788,500 | 1,840 |
| Average total loans | $260,631,500 | 1,962 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6888% | 651 |
| Cost of funding earning assets | 2.0947% | 414 |
| Net interest margin | 3.5941% | 2,052 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.4819% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8235% | 3,006 |
| Return on assets (ROA) | 0.8293% | 3,000 |
| Pretax return on assets | 1.0856% | 2,678 |
| Return on Equity (ROE) | 6.5700% | 3,568 |
| Retained earnings to average equity (ytd only) | 0.9445% | 3,925 |
| Net charge-offs to loans | -0.0743% | 4,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.7131% | 1,791 |
| Assets per employee ($millions) | 8.0914% | 1,278 |
| Cash dividends to net income (ytd only)* | 85.6195% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 742 |
| Loan loss allowance to noncurrent loans | 446.6403% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 1,726 |
| Noncurrent loans to loans | 0.3815% | 1,781 |
| Net loans and leases to total assets | 76.7200% | 972 |
| Net loans and leases to deposits | 91.8939% | 1,029 |
| Net loans and leases to core deposits | 106.9894% | 949 |
| Total domestic deposits to total assets | 83.4900% | 2,935 |
| Equity capital to assets | 11.4363% | 1,217 |
| Core capital (leverage) ratio | 12.1750% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $327,012,000 | 2,290 |
| Average earning assets | $313,739,667 | 2,240 |
| Average equity | $41,292,000 | 1,835 |
| Average total loans | $258,432,667 | 1,963 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6545% | 479 |
| Cost of funding earning assets | 1.9334% | 338 |
| Net interest margin | 3.7211% | 1,849 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.6600% | 1,771 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7719% | 3,291 |
| Return on assets (ROA) | 0.7798% | 3,212 |
| Pretax return on assets | 1.0231% | 2,926 |
| Return on Equity (ROE) | 5.8800% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.8816% | 2,794 |
| Net charge-offs to loans | 0.0376% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 33.8333% | 1,258 |
| Efficiency ratio | 72.4185% | 1,503 |
| Assets per employee ($millions) | 7.7122% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 752 |
| Loan loss allowance to noncurrent loans | 162.4216% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.8363% | 568 |
| Noncurrent loans to loans | 1.0669% | 674 |
| Net loans and leases to total assets | 77.0300% | 873 |
| Net loans and leases to deposits | 94.4595% | 762 |
| Net loans and leases to core deposits | 106.6287% | 811 |
| Total domestic deposits to total assets | 81.5500% | 3,553 |
| Equity capital to assets | 13.2391% | 707 |
| Core capital (leverage) ratio | 13.2965% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $320,599,000 | 2,357 |
| Average earning assets | $307,224,500 | 2,305 |
| Average equity | $42,505,500 | 1,819 |
| Average total loans | $255,031,000 | 2,000 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 806 |
| Cost of funding earning assets | 0.8385% | 342 |
| Net interest margin | 3.6075% | 1,625 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.2887% | 2,774 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8896% | 3,009 |
| Return on assets (ROA) | 0.8887% | 2,951 |
| Pretax return on assets | 1.1601% | 2,568 |
| Return on Equity (ROE) | 7.4400% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.4436% | 2,054 |
| Net charge-offs to loans | 0.3264% | 231 |
| Credit loss provision to net charge-offs | 17.9426% | 1,940 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,397 |
| Efficiency ratio | 65.5039% | 2,294 |
| Assets per employee ($millions) | 7.3787% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7275% | 769 |
| Loan loss allowance to noncurrent loans | 415.4930% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 1,508 |
| Noncurrent loans to loans | 0.4158% | 1,681 |
| Net loans and leases to total assets | 79.3400% | 665 |
| Net loans and leases to deposits | 95.4426% | 682 |
| Net loans and leases to core deposits | 106.8106% | 719 |
| Total domestic deposits to total assets | 83.1300% | 3,391 |
| Equity capital to assets | 13.2776% | 662 |
| Core capital (leverage) ratio | 13.2658% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $340,499,400 | 2,260 |
| Average earning assets | $320,087,400 | 2,235 |
| Average equity | $40,652,200 | 1,896 |
| Average total loans | $256,156,800 | 1,907 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 974 |
| Cost of funding earning assets | 0.6849% | 290 |
| Net interest margin | 3.4676% | 1,754 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.2739% | 2,707 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7808% | 3,323 |
| Return on assets (ROA) | 0.7777% | 3,283 |
| Pretax return on assets | 1.0133% | 2,980 |
| Return on Equity (ROE) | 6.6900% | 3,654 |
| Retained earnings to average equity (ytd only) | 6.6858% | 2,482 |
| Net charge-offs to loans | 0.0265% | 1,291 |
| Credit loss provision to net charge-offs | 294.1176% | 822 |
| Earnings coverage of net charge-offs (x) | 54.7451% | 1,234 |
| Efficiency ratio | 67.9007% | 2,046 |
| Assets per employee ($millions) | 7.2252% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0706% | 440 |
| Loan loss allowance to noncurrent loans | 135.0441% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 349 |
| Noncurrent loans to loans | 1.5333% | 449 |
| Net loans and leases to total assets | 75.7900% | 925 |
| Net loans and leases to deposits | 90.4596% | 862 |
| Net loans and leases to core deposits | 101.4133% | 764 |
| Total domestic deposits to total assets | 83.7800% | 3,547 |
| Equity capital to assets | 12.6019% | 748 |
| Core capital (leverage) ratio | 12.6566% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $346,302,750 | 2,252 |
| Average earning assets | $324,519,750 | 2,233 |
| Average equity | $40,283,250 | 1,936 |
| Average total loans | $256,157,750 | 1,913 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 1,196 |
| Cost of funding earning assets | 0.5741% | 338 |
| Net interest margin | 3.2830% | 1,956 |
| Noninterest income to average assets | 0.0951% | 4,506 |
| Noninterest expense to average assets | 2.2561% | 2,684 |
| Loan and lease loss provision to assets | 0.0849% | 1,167 |
| Net operating income to assets | 0.6219% | 3,564 |
| Return on assets (ROA) | 0.6169% | 3,528 |
| Pretax return on assets | 0.8065% | 3,307 |
| Return on Equity (ROE) | 5.4427% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.4427% | 2,538 |
| Net charge-offs to loans | 0.0357% | 1,026 |
| Credit loss provision to net charge-offs | 326.0870% | 773 |
| Earnings coverage of net charge-offs (x) | 34.4783% | 1,336 |
| Efficiency ratio | 71.5363% | 1,769 |
| Assets per employee ($millions) | 8.2135% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1158% | 435 |
| Loan loss allowance to noncurrent loans | 268.9531% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 1,005 |
| Noncurrent loans to loans | 0.7867% | 1,091 |
| Net loans and leases to total assets | 69.9372% | 1,303 |
| Net loans and leases to deposits | 82.3131% | 1,225 |
| Net loans and leases to core deposits | 92.3179% | 1,000 |
| Total domestic deposits to total assets | 84.9649% | 3,494 |
| Equity capital to assets | 11.7708% | 944 |
| Core capital (leverage) ratio | 11.7178% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,359,333 | 2,236 |
| Average earning assets | $329,209,667 | 2,235 |
| Average equity | $40,053,333 | 1,988 |
| Average total loans | $257,672,667 | 1,908 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 1,030 |
| Cost of funding earning assets | 0.4998% | 497 |
| Net interest margin | 3.3301% | 1,497 |
| Noninterest income to average assets | 0.0996% | 4,512 |
| Noninterest expense to average assets | 2.2956% | 2,516 |
| Loan and lease loss provision to assets | 0.0839% | 983 |
| Net operating income to assets | 0.5949% | 3,412 |
| Return on assets (ROA) | 0.5896% | 3,408 |
| Pretax return on assets | 0.7697% | 3,202 |
| Return on Equity (ROE) | 5.2995% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.2995% | 2,477 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7402% | 1,881 |
| Assets per employee ($millions) | 8.5309% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0494% | 568 |
| Loan loss allowance to noncurrent loans | 459.7518% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 1,861 |
| Noncurrent loans to loans | 0.4458% | 1,911 |
| Net loans and leases to total assets | 69.1784% | 1,098 |
| Net loans and leases to deposits | 82.0226% | 1,009 |
| Net loans and leases to core deposits | 94.7192% | 701 |
| Total domestic deposits to total assets | 84.3406% | 3,694 |
| Equity capital to assets | 11.1754% | 1,253 |
| Core capital (leverage) ratio | 11.0500% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,556,500 | 2,221 |
| Average earning assets | $328,160,000 | 2,249 |
| Average equity | $39,777,500 | 2,062 |
| Average total loans | $263,272,000 | 1,869 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 685 |
| Cost of funding earning assets | 0.6088% | 522 |
| Net interest margin | 3.8157% | 974 |
| Noninterest income to average assets | 0.0829% | 4,655 |
| Noninterest expense to average assets | 2.0638% | 3,486 |
| Loan and lease loss provision to assets | 0.1704% | 682 |
| Net operating income to assets | 1.0656% | 2,435 |
| Return on assets (ROA) | 1.0763% | 2,457 |
| Pretax return on assets | 1.3982% | 2,060 |
| Return on Equity (ROE) | 10.0265% | 2,507 |
| Retained earnings to average equity (ytd only) | 10.0265% | 915 |
| Net charge-offs to loans | 0.0195% | 1,887 |
| Credit loss provision to net charge-offs | 1,111.1111% | 490 |
| Earnings coverage of net charge-offs (x) | 101.3704% | 876 |
| Efficiency ratio | 57.0296% | 3,574 |
| Assets per employee ($millions) | 8.9204% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8684% | 769 |
| Loan loss allowance to noncurrent loans | 439.3809% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 1,936 |
| Noncurrent loans to loans | 0.4252% | 2,071 |
| Net loans and leases to total assets | 75.2164% | 569 |
| Net loans and leases to deposits | 89.0340% | 606 |
| Net loans and leases to core deposits | 107.8640% | 326 |
| Total domestic deposits to total assets | 84.4805% | 3,428 |
| Equity capital to assets | 11.0741% | 1,750 |
| Core capital (leverage) ratio | 11.1331% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,027,200 | 2,187 |
| Average earning assets | $326,205,200 | 2,203 |
| Average equity | $37,789,800 | 2,164 |
| Average total loans | $277,180,800 | 1,804 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 631 |
| Cost of funding earning assets | 0.6240% | 561 |
| Net interest margin | 3.9119% | 918 |
| Noninterest income to average assets | 0.0737% | 4,747 |
| Noninterest expense to average assets | 2.0051% | 3,657 |
| Loan and lease loss provision to assets | 0.1710% | 635 |
| Net operating income to assets | 1.1739% | 2,256 |
| Return on assets (ROA) | 1.1781% | 2,296 |
| Pretax return on assets | 1.5289% | 1,908 |
| Return on Equity (ROE) | 11.0636% | 2,354 |
| Retained earnings to average equity (ytd only) | 11.0636% | 1,052 |
| Net charge-offs to loans | 0.0259% | 1,523 |
| Credit loss provision to net charge-offs | 833.3333% | 571 |
| Earnings coverage of net charge-offs (x) | 82.5741% | 966 |
| Efficiency ratio | 54.1962% | 3,781 |
| Assets per employee ($millions) | 8.6705% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 1,082 |
| Loan loss allowance to noncurrent loans | 257.1280% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 1,383 |
| Noncurrent loans to loans | 0.6674% | 1,638 |
| Net loans and leases to total assets | 81.9107% | 195 |
| Net loans and leases to deposits | 97.8200% | 279 |
| Net loans and leases to core deposits | 121.8786% | 170 |
| Total domestic deposits to total assets | 83.7362% | 3,528 |
| Equity capital to assets | 11.1943% | 1,895 |
| Core capital (leverage) ratio | 11.3952% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,830,000 | 2,216 |
| Average earning assets | $325,187,750 | 2,229 |
| Average equity | $37,358,750 | 2,208 |
| Average total loans | $278,102,500 | 1,835 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 552 |
| Cost of funding earning assets | 0.6471% | 585 |
| Net interest margin | 4.0276% | 784 |
| Noninterest income to average assets | 0.0699% | 4,788 |
| Noninterest expense to average assets | 1.9883% | 3,737 |
| Loan and lease loss provision to assets | 0.1704% | 681 |
| Net operating income to assets | 1.2830% | 1,914 |
| Return on assets (ROA) | 1.2875% | 1,975 |
| Pretax return on assets | 1.6674% | 1,568 |
| Return on Equity (ROE) | 12.2971% | 1,948 |
| Retained earnings to average equity (ytd only) | 12.2971% | 852 |
| Net charge-offs to loans | 0.0415% | 1,220 |
| Credit loss provision to net charge-offs | 526.3158% | 661 |
| Earnings coverage of net charge-offs (x) | 56.5965% | 998 |
| Efficiency ratio | 52.0440% | 4,039 |
| Assets per employee ($millions) | 8.9526% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 993 |
| Loan loss allowance to noncurrent loans | 168.7259% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 979 |
| Noncurrent loans to loans | 1.0291% | 1,193 |
| Net loans and leases to total assets | 77.9173% | 451 |
| Net loans and leases to deposits | 92.6708% | 510 |
| Net loans and leases to core deposits | 112.8352% | 306 |
| Total domestic deposits to total assets | 84.0797% | 3,411 |
| Equity capital to assets | 10.8810% | 2,086 |
| Core capital (leverage) ratio | 10.9007% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,167,000 | 2,194 |
| Average earning assets | $327,934,667 | 2,204 |
| Average equity | $36,870,333 | 2,223 |
| Average total loans | $274,456,000 | 1,861 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 559 |
| Cost of funding earning assets | 0.6797% | 591 |
| Net interest margin | 4.0335% | 805 |
| Noninterest income to average assets | 0.0690% | 4,798 |
| Noninterest expense to average assets | 1.9690% | 3,810 |
| Loan and lease loss provision to assets | 0.1696% | 733 |
| Net operating income to assets | 1.3146% | 1,782 |
| Return on assets (ROA) | 1.3244% | 1,832 |
| Pretax return on assets | 1.7146% | 1,459 |
| Return on Equity (ROE) | 12.9000% | 1,697 |
| Retained earnings to average equity (ytd only) | 12.9000% | 937 |
| Net charge-offs to loans | 0.0849% | 769 |
| Credit loss provision to net charge-offs | 258.6207% | 806 |
| Earnings coverage of net charge-offs (x) | 28.5345% | 1,113 |
| Efficiency ratio | 51.2662% | 4,066 |
| Assets per employee ($millions) | 8.7413% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 1,093 |
| Loan loss allowance to noncurrent loans | 87.3546% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.5244% | 412 |
| Noncurrent loans to loans | 1.9253% | 578 |
| Net loans and leases to total assets | 77.8457% | 474 |
| Net loans and leases to deposits | 92.1994% | 587 |
| Net loans and leases to core deposits | 109.5769% | 421 |
| Total domestic deposits to total assets | 84.4320% | 3,305 |
| Equity capital to assets | 10.5522% | 2,215 |
| Core capital (leverage) ratio | 10.6759% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $353,675,000 | 2,165 |
| Average earning assets | $330,730,500 | 2,174 |
| Average equity | $36,310,000 | 2,245 |
| Average total loans | $273,256,000 | 1,864 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6417% | 1,012 |
| Cost of funding earning assets | 1.0418% | 506 |
| Net interest margin | 3.5998% | 2,142 |
| Noninterest income to average assets | 0.0758% | 4,806 |
| Noninterest expense to average assets | 2.1300% | 3,870 |
| Loan and lease loss provision to assets | 0.2696% | 1,429 |
| Net operating income to assets | 0.8275% | 2,990 |
| Return on assets (ROA) | 0.8346% | 3,088 |
| Pretax return on assets | 1.1013% | 2,690 |
| Return on Equity (ROE) | 8.1131% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.1131% | 1,022 |
| Net charge-offs to loans | 0.0426% | 2,207 |
| Credit loss provision to net charge-offs | 779.8165% | 925 |
| Earnings coverage of net charge-offs (x) | 39.3945% | 1,405 |
| Efficiency ratio | 60.9955% | 3,314 |
| Assets per employee ($millions) | 8.9424% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 1,056 |
| Loan loss allowance to noncurrent loans | 199.5192% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 1,643 |
| Noncurrent loans to loans | 0.8485% | 1,663 |
| Net loans and leases to total assets | 74.1133% | 1,011 |
| Net loans and leases to deposits | 87.0271% | 1,172 |
| Net loans and leases to core deposits | 105.9705% | 642 |
| Total domestic deposits to total assets | 85.1612% | 2,698 |
| Equity capital to assets | 9.9872% | 3,140 |
| Core capital (leverage) ratio | 10.2986% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,258,600 | 2,213 |
| Average earning assets | $299,182,200 | 2,187 |
| Average equity | $32,429,200 | 2,365 |
| Average total loans | $255,651,600 | 1,898 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 711 |
| Cost of funding earning assets | 1.1627% | 418 |
| Net interest margin | 3.7534% | 1,751 |
| Noninterest income to average assets | 0.0770% | 4,831 |
| Noninterest expense to average assets | 2.1782% | 3,731 |
| Loan and lease loss provision to assets | 0.3063% | 1,315 |
| Net operating income to assets | 0.8910% | 2,738 |
| Return on assets (ROA) | 0.8989% | 2,828 |
| Pretax return on assets | 1.1685% | 2,494 |
| Return on Equity (ROE) | 8.6649% | 2,539 |
| Retained earnings to average equity (ytd only) | 8.6649% | 1,086 |
| Net charge-offs to loans | 0.0576% | 1,784 |
| Credit loss provision to net charge-offs | 642.2018% | 1,128 |
| Earnings coverage of net charge-offs (x) | 30.7064% | 1,560 |
| Efficiency ratio | 59.7910% | 3,415 |
| Assets per employee ($millions) | 8.8883% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,061 |
| Loan loss allowance to noncurrent loans | 1,186.5591% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,883 |
| Noncurrent loans to loans | 0.1360% | 3,836 |
| Net loans and leases to total assets | 79.6491% | 641 |
| Net loans and leases to deposits | 95.0103% | 840 |
| Net loans and leases to core deposits | 122.9145% | 355 |
| Total domestic deposits to total assets | 83.8320% | 2,876 |
| Equity capital to assets | 10.0363% | 3,196 |
| Core capital (leverage) ratio | 10.5209% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,649,000 | 2,250 |
| Average earning assets | $289,434,000 | 2,219 |
| Average equity | $31,605,500 | 2,397 |
| Average total loans | $252,148,000 | 1,910 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 552 |
| Cost of funding earning assets | 1.3106% | 346 |
| Net interest margin | 3.9034% | 1,558 |
| Noninterest income to average assets | 0.0797% | 4,838 |
| Noninterest expense to average assets | 2.2383% | 3,688 |
| Loan and lease loss provision to assets | 0.3746% | 1,115 |
| Net operating income to assets | 0.9196% | 2,625 |
| Return on assets (ROA) | 0.9325% | 2,700 |
| Pretax return on assets | 1.2138% | 2,319 |
| Return on Equity (ROE) | 8.8777% | 2,407 |
| Retained earnings to average equity (ytd only) | 8.8777% | 1,040 |
| Net charge-offs to loans | 0.0024% | 2,920 |
| Credit loss provision to net charge-offs | 18,333.3333% | 66 |
| Earnings coverage of net charge-offs (x) | 769.3333% | 123 |
| Efficiency ratio | 58.7415% | 3,591 |
| Assets per employee ($millions) | 8.6576% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 1,031 |
| Loan loss allowance to noncurrent loans | 363.2585% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 2,751 |
| Noncurrent loans to loans | 0.4378% | 2,848 |
| Net loans and leases to total assets | 86.7611% | 104 |
| Net loans and leases to deposits | 104.5843% | 355 |
| Net loans and leases to core deposits | 140.9565% | 158 |
| Total domestic deposits to total assets | 82.9581% | 3,100 |
| Equity capital to assets | 10.2556% | 2,961 |
| Core capital (leverage) ratio | 10.4842% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2163% | 2,516 |
| Memoranda: | ||
| Average total assets | $293,614,000 | 2,287 |
| Average earning assets | $280,629,000 | 2,245 |
| Average equity | $30,841,333 | 2,420 |
| Average total loans | $245,053,333 | 1,936 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 1,279 |
| Cost of funding earning assets | 1.6564% | 152 |
| Net interest margin | 3.2085% | 3,835 |
| Noninterest income to average assets | 0.0759% | 4,909 |
| Noninterest expense to average assets | 2.4133% | 3,512 |
| Loan and lease loss provision to assets | 0.4217% | 717 |
| Net operating income to assets | 0.2404% | 4,465 |
| Return on assets (ROA) | 0.2404% | 4,486 |
| Pretax return on assets | 0.3120% | 4,434 |
| Return on Equity (ROE) | 2.2589% | 4,394 |
| Retained earnings to average equity (ytd only) | 2.2589% | 3,349 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6860% | 1,487 |
| Assets per employee ($millions) | 8.1123% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 766 |
| Loan loss allowance to noncurrent loans | 156.4492% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9026% | 1,482 |
| Noncurrent loans to loans | 1.1248% | 1,474 |
| Net loans and leases to total assets | 78.8373% | 851 |
| Net loans and leases to deposits | 92.4368% | 1,231 |
| Net loans and leases to core deposits | 131.3776% | 252 |
| Total domestic deposits to total assets | 85.2877% | 2,295 |
| Equity capital to assets | 10.3975% | 3,420 |
| Core capital (leverage) ratio | 10.8788% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4540% | 2,503 |
| Memoranda: | ||
| Average total assets | $284,584,500 | 2,293 |
| Average earning assets | $272,401,000 | 2,245 |
| Average equity | $30,280,000 | 2,437 |
| Average total loans | $230,189,500 | 1,988 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9967% | 1,490 |
| Cost of funding earning assets | 2.0418% | 50 |
| Net interest margin | 2.9549% | 4,567 |
| Noninterest income to average assets | 0.0915% | 4,951 |
| Noninterest expense to average assets | 2.0485% | 4,452 |
| Loan and lease loss provision to assets | 0.4923% | 260 |
| Net operating income to assets | 0.3085% | 4,737 |
| Return on assets (ROA) | 0.3085% | 4,768 |
| Pretax return on assets | 0.3997% | 4,708 |
| Return on Equity (ROE) | 2.9056% | 4,675 |
| Retained earnings to average equity (ytd only) | 2.9056% | 3,572 |
| Net charge-offs to loans | -0.0020% | 4,223 |
| Credit loss provision to net charge-offs | -31,875.0000% | 4,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6651% | 2,228 |
| Assets per employee ($millions) | 8.1508% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 815 |
| Loan loss allowance to noncurrent loans | 289.9166% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 2,504 |
| Noncurrent loans to loans | 0.5836% | 2,435 |
| Net loans and leases to total assets | 80.1773% | 758 |
| Net loans and leases to deposits | 94.8355% | 1,071 |
| Net loans and leases to core deposits | 148.5446% | 130 |
| Total domestic deposits to total assets | 84.5435% | 2,664 |
| Equity capital to assets | 10.8957% | 3,098 |
| Core capital (leverage) ratio | 10.6234% | 2,831 |
| Tier 1 risk-based capital ratio | 12.5617% | 4,030 |
| Total risk-based capital ratio | 13.8156% | 3,914 |
| Memoranda: | ||
| Average total assets | $258,967,800 | 2,403 |
| Average earning assets | $249,685,000 | 2,340 |
| Average equity | $27,498,200 | 2,532 |
| Average total loans | $204,232,200 | 2,139 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 1,691 |
| Cost of funding earning assets | 2.0729% | 47 |
| Net interest margin | 2.8722% | 4,789 |
| Noninterest income to average assets | 0.0901% | 5,018 |
| Noninterest expense to average assets | 2.0946% | 4,374 |
| Loan and lease loss provision to assets | 0.4402% | 290 |
| Net operating income to assets | 0.2521% | 4,904 |
| Return on assets (ROA) | 0.2521% | 4,917 |
| Pretax return on assets | 0.3270% | 4,877 |
| Return on Equity (ROE) | 2.3908% | 4,859 |
| Retained earnings to average equity (ytd only) | 2.3908% | 4,141 |
| Net charge-offs to loans | -0.0020% | 4,058 |
| Credit loss provision to net charge-offs | -28,000.0000% | 4,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1917% | 1,674 |
| Assets per employee ($millions) | 9.6053% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,102 |
| Loan loss allowance to noncurrent loans | 182.7400% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 2,138 |
| Noncurrent loans to loans | 0.8510% | 1,879 |
| Net loans and leases to total assets | 72.0278% | 2,172 |
| Net loans and leases to deposits | 84.1325% | 2,440 |
| Net loans and leases to core deposits | 140.7516% | 178 |
| Total domestic deposits to total assets | 85.6124% | 2,162 |
| Equity capital to assets | 10.0338% | 3,986 |
| Core capital (leverage) ratio | 9.8882% | 3,748 |
| Tier 1 risk-based capital ratio | 12.9360% | 3,884 |
| Total risk-based capital ratio | 14.1885% | 3,776 |
| Memoranda: | ||
| Average total assets | $254,428,000 | 2,451 |
| Average earning assets | $245,516,250 | 2,380 |
| Average equity | $26,824,000 | 2,588 |
| Average total loans | $198,786,000 | 2,192 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 1,533 |
| Cost of funding earning assets | 1.9481% | 71 |
| Net interest margin | 3.0320% | 4,637 |
| Noninterest income to average assets | 0.0942% | 5,062 |
| Noninterest expense to average assets | 2.1835% | 4,258 |
| Loan and lease loss provision to assets | 0.5250% | 220 |
| Net operating income to assets | 0.2367% | 4,956 |
| Return on assets (ROA) | 0.2367% | 4,968 |
| Pretax return on assets | 0.3067% | 4,929 |
| Return on Equity (ROE) | 2.2010% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.2010% | 4,051 |
| Net charge-offs to loans | -0.0021% | 3,960 |
| Credit loss provision to net charge-offs | -31,500.0000% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4157% | 1,861 |
| Assets per employee ($millions) | 9.7234% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,252 |
| Loan loss allowance to noncurrent loans | 136.8217% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7703% | 1,808 |
| Noncurrent loans to loans | 1.1024% | 1,486 |
| Net loans and leases to total assets | 68.8271% | 2,698 |
| Net loans and leases to deposits | 80.1708% | 2,933 |
| Net loans and leases to core deposits | 131.7060% | 292 |
| Total domestic deposits to total assets | 85.8505% | 2,111 |
| Equity capital to assets | 9.8462% | 4,100 |
| Core capital (leverage) ratio | 11.3991% | 2,244 |
| Tier 1 risk-based capital ratio | 13.1751% | 3,747 |
| Total risk-based capital ratio | 14.4269% | 3,655 |
| Memoranda: | ||
| Average total assets | $239,982,670 | 2,555 |
| Average earning assets | $231,199,330 | 2,490 |
| Average equity | $25,806,330 | 2,650 |
| Average total loans | $192,427,670 | 2,245 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1177% | 1,063 |
| Cost of funding earning assets | 1.8003% | 101 |
| Net interest margin | 3.3175% | 4,120 |
| Noninterest income to average assets | 0.1032% | 5,064 |
| Noninterest expense to average assets | 2.4868% | 3,548 |
| Loan and lease loss provision to assets | 0.8028% | 121 |
| Net operating income to assets | -0.0019% | 5,151 |
| Return on assets (ROA) | -0.0019% | 5,154 |
| Pretax return on assets | -0.0057% | 5,145 |
| Return on Equity (ROE) | -0.0168% | 5,154 |
| Retained earnings to average equity (ytd only) | -0.0168% | 4,535 |
| Net charge-offs to loans | -0.0022% | 3,868 |
| Credit loss provision to net charge-offs | -42,000.0000% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7276% | 1,526 |
| Assets per employee ($millions) | 7.9642% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 1,158 |
| Loan loss allowance to noncurrent loans | 99.2305% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 953 |
| Noncurrent loans to loans | 1.5689% | 1,016 |
| Net loans and leases to total assets | 84.1029% | 364 |
| Net loans and leases to deposits | 101.8962% | 507 |
| Net loans and leases to core deposits | 143.9359% | 159 |
| Total domestic deposits to total assets | 82.5379% | 3,565 |
| Equity capital to assets | 11.6795% | 2,253 |
| Core capital (leverage) ratio | 13.1259% | 1,212 |
| Tier 1 risk-based capital ratio | 13.0517% | 3,851 |
| Total risk-based capital ratio | 14.3045% | 3,758 |
| Memoranda: | ||
| Average total assets | $209,261,500 | 2,815 |
| Average earning assets | $200,635,500 | 2,756 |
| Average equity | $23,870,000 | 2,818 |
| Average total loans | $183,322,000 | 2,333 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 1,412 |
| Cost of funding earning assets | 1.5504% | 71 |
| Net interest margin | 3.3031% | 4,250 |
| Noninterest income to average assets | 0.1088% | 5,126 |
| Noninterest expense to average assets | 1.9629% | 4,802 |
| Loan and lease loss provision to assets | 0.7397% | 136 |
| Net operating income to assets | 0.4277% | 4,814 |
| Return on assets (ROA) | 0.4277% | 4,809 |
| Pretax return on assets | 0.5639% | 4,697 |
| Return on Equity (ROE) | 4.2587% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.2587% | 3,208 |
| Net charge-offs to loans | -0.0464% | 4,952 |
| Credit loss provision to net charge-offs | -1,890.4110% | 4,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0919% | 3,847 |
| Assets per employee ($millions) | 7.8210% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 1,471 |
| Loan loss allowance to noncurrent loans | 413.1494% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,294 |
| Noncurrent loans to loans | 0.3497% | 3,287 |
| Net loans and leases to total assets | 88.7790% | 88 |
| Net loans and leases to deposits | 107.9072% | 310 |
| Net loans and leases to core deposits | 140.5657% | 195 |
| Total domestic deposits to total assets | 82.2735% | 3,563 |
| Equity capital to assets | 11.0957% | 2,596 |
| Core capital (leverage) ratio | 10.9436% | 2,575 |
| Tier 1 risk-based capital ratio | 11.9083% | 4,491 |
| Total risk-based capital ratio | 13.1598% | 4,375 |
| Memoranda: | ||
| Average total assets | $186,563,600 | 2,992 |
| Average earning assets | $178,346,400 | 2,938 |
| Average equity | $18,738,000 | 3,208 |
| Average total loans | $157,347,000 | 2,554 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 1,640 |
| Cost of funding earning assets | 1.4403% | 82 |
| Net interest margin | 3.2725% | 4,353 |
| Noninterest income to average assets | 0.1078% | 5,186 |
| Noninterest expense to average assets | 1.9198% | 4,874 |
| Loan and lease loss provision to assets | 0.4051% | 313 |
| Net operating income to assets | 0.5534% | 4,639 |
| Return on assets (ROA) | 0.5534% | 4,646 |
| Pretax return on assets | 0.9121% | 3,979 |
| Return on Equity (ROE) | 5.6669% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.6669% | 2,844 |
| Net charge-offs to loans | -0.0638% | 5,020 |
| Credit loss provision to net charge-offs | -767.1233% | 4,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3073% | 3,918 |
| Assets per employee ($millions) | 10.0076% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,663 |
| Loan loss allowance to noncurrent loans | 221.5938% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 3,135 |
| Noncurrent loans to loans | 0.4583% | 3,010 |
| Net loans and leases to total assets | 83.9447% | 459 |
| Net loans and leases to deposits | 98.9022% | 869 |
| Net loans and leases to core deposits | 136.4860% | 237 |
| Total domestic deposits to total assets | 84.8765% | 2,649 |
| Equity capital to assets | 10.3981% | 3,235 |
| Core capital (leverage) ratio | 10.2835% | 3,312 |
| Tier 1 risk-based capital ratio | 11.6921% | 4,677 |
| Total risk-based capital ratio | 12.6606% | 4,724 |
| Memoranda: | ||
| Average total assets | $184,323,000 | 3,036 |
| Average earning assets | $176,250,000 | 2,984 |
| Average equity | $17,998,750 | 3,317 |
| Average total loans | $152,651,000 | 2,622 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 1,907 |
| Cost of funding earning assets | 1.2708% | 137 |
| Net interest margin | 3.2885% | 4,282 |
| Noninterest income to average assets | 0.1028% | 5,263 |
| Noninterest expense to average assets | 1.9135% | 4,940 |
| Loan and lease loss provision to assets | 0.4915% | 232 |
| Net operating income to assets | 0.4624% | 4,833 |
| Return on assets (ROA) | 0.4624% | 4,835 |
| Pretax return on assets | 0.8311% | 4,159 |
| Return on Equity (ROE) | 4.8532% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8532% | 3,154 |
| Net charge-offs to loans | -0.0994% | 5,156 |
| Credit loss provision to net charge-offs | -602.7397% | 4,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1301% | 4,066 |
| Assets per employee ($millions) | 10.6135% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,726 |
| Loan loss allowance to noncurrent loans | 140.7018% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 2,537 |
| Noncurrent loans to loans | 0.7240% | 2,301 |
| Net loans and leases to total assets | 77.2876% | 1,427 |
| Net loans and leases to deposits | 89.1165% | 1,959 |
| Net loans and leases to core deposits | 93.8298% | 2,231 |
| Total domestic deposits to total assets | 86.7264% | 1,956 |
| Equity capital to assets | 8.7084% | 4,794 |
| Core capital (leverage) ratio | 10.0134% | 3,565 |
| Tier 1 risk-based capital ratio | 10.4293% | 5,297 |
| Total risk-based capital ratio | 11.3819% | 5,323 |
| Memoranda: | ||
| Average total assets | $179,046,670 | 3,105 |
| Average earning assets | $170,596,000 | 3,059 |
| Average equity | $17,061,000 | 3,440 |
| Average total loans | $146,954,330 | 2,706 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 1,858 |
| Cost of funding earning assets | 1.1699% | 161 |
| Net interest margin | 3.3306% | 4,100 |
| Noninterest income to average assets | 0.0906% | 5,362 |
| Noninterest expense to average assets | 2.0174% | 4,819 |
| Loan and lease loss provision to assets | 0.2862% | 471 |
| Net operating income to assets | 0.5437% | 4,595 |
| Return on assets (ROA) | 0.5437% | 4,598 |
| Pretax return on assets | 0.9372% | 3,737 |
| Return on Equity (ROE) | 5.4250% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.4250% | 2,986 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2517% | 3,741 |
| Assets per employee ($millions) | 9.0715% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 4,730 |
| Loan loss allowance to noncurrent loans | 111.7051% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6295% | 2,431 |
| Noncurrent loans to loans | 0.7341% | 2,372 |
| Net loans and leases to total assets | 85.0433% | 334 |
| Net loans and leases to deposits | 97.6861% | 890 |
| Net loans and leases to core deposits | 185.6253% | 43 |
| Total domestic deposits to total assets | 87.0578% | 2,099 |
| Equity capital to assets | 9.9647% | 3,630 |
| Core capital (leverage) ratio | 10.5605% | 2,881 |
| Tier 1 risk-based capital ratio | 11.1996% | 5,026 |
| Total risk-based capital ratio | 11.9899% | 5,161 |
| Memoranda: | ||
| Average total assets | $167,742,000 | 3,273 |
| Average earning assets | $158,651,500 | 3,231 |
| Average equity | $16,811,000 | 3,495 |
| Average total loans | $141,702,000 | 2,792 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5344% | 1,605 |
| Cost of funding earning assets | 1.0594% | 156 |
| Net interest margin | 3.4750% | 3,607 |
| Noninterest income to average assets | 0.0920% | 5,432 |
| Noninterest expense to average assets | 2.3859% | 4,120 |
| Loan and lease loss provision to assets | 0.2657% | 682 |
| Net operating income to assets | 0.7089% | 3,564 |
| Return on assets (ROA) | 0.7089% | 3,618 |
| Pretax return on assets | 0.7509% | 4,384 |
| Return on Equity (ROE) | 6.5813% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.5813% | 1,242 |
| Net charge-offs to loans | 0.0017% | 4,061 |
| Credit loss provision to net charge-offs | 18,050.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 690.5000% | 119 |
| Efficiency ratio | 70.1212% | 2,527 |
| Assets per employee ($millions) | 8.5856% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,813 |
| Loan loss allowance to noncurrent loans | 102.7307% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 2,375 |
| Noncurrent loans to loans | 0.7831% | 2,262 |
| Net loans and leases to total assets | 82.4651% | 615 |
| Net loans and leases to deposits | 93.5584% | 1,323 |
| Net loans and leases to core deposits | 174.1520% | 57 |
| Total domestic deposits to total assets | 88.1429% | 1,412 |
| Equity capital to assets | 10.0824% | 3,614 |
| Core capital (leverage) ratio | 10.3599% | 3,003 |
| Tier 1 risk-based capital ratio | 11.6914% | 4,728 |
| Total risk-based capital ratio | 12.4669% | 4,908 |
| Memoranda: | ||
| Average total assets | $135,842,200 | 3,667 |
| Average earning assets | $129,411,400 | 3,594 |
| Average equity | $14,632,400 | 3,764 |
| Average total loans | $120,141,000 | 3,060 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 1,438 |
| Cost of funding earning assets | 1.0035% | 193 |
| Net interest margin | 3.5693% | 3,261 |
| Noninterest income to average assets | 0.0920% | 5,504 |
| Noninterest expense to average assets | 2.4739% | 3,811 |
| Loan and lease loss provision to assets | 0.2800% | 582 |
| Net operating income to assets | 0.6014% | 4,389 |
| Return on assets (ROA) | 0.6014% | 4,428 |
| Pretax return on assets | 0.7378% | 4,519 |
| Return on Equity (ROE) | 5.4728% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.4728% | 2,555 |
| Net charge-offs to loans | 0.0023% | 3,679 |
| Credit loss provision to net charge-offs | 13,550.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 491.8727% | 206 |
| Efficiency ratio | 70.8494% | 2,389 |
| Assets per employee ($millions) | 7.8443% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 4,957 |
| Loan loss allowance to noncurrent loans | 95.5153% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 2,402 |
| Noncurrent loans to loans | 0.8148% | 2,325 |
| Net loans and leases to total assets | 85.6274% | 281 |
| Net loans and leases to deposits | 97.9425% | 923 |
| Net loans and leases to core deposits | 177.9743% | 55 |
| Total domestic deposits to total assets | 87.4263% | 1,658 |
| Equity capital to assets | 10.5105% | 3,363 |
| Core capital (leverage) ratio | 11.1262% | 2,348 |
| Tier 1 risk-based capital ratio | 11.6824% | 4,837 |
| Total risk-based capital ratio | 12.4289% | 5,042 |
| Memoranda: | ||
| Average total assets | $129,021,250 | 3,801 |
| Average earning assets | $122,897,750 | 3,734 |
| Average equity | $14,178,750 | 3,860 |
| Average total loans | $116,273,000 | 3,132 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,322 |
| Cost of funding earning assets | 0.9360% | 245 |
| Net interest margin | 3.6361% | 2,888 |
| Noninterest income to average assets | 0.0899% | 5,550 |
| Noninterest expense to average assets | 2.6155% | 3,385 |
| Loan and lease loss provision to assets | 0.2942% | 528 |
| Net operating income to assets | 0.3743% | 5,034 |
| Return on assets (ROA) | 0.3743% | 5,061 |
| Pretax return on assets | 0.6473% | 4,695 |
| Return on Equity (ROE) | 3.3471% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.3471% | 3,724 |
| Net charge-offs to loans | 0.0125% | 3,017 |
| Credit loss provision to net charge-offs | 2,571.4286% | 167 |
| Earnings coverage of net charge-offs (x) | 82.2857% | 748 |
| Efficiency ratio | 73.5294% | 2,090 |
| Assets per employee ($millions) | 7.2091% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 5,176 |
| Loan loss allowance to noncurrent loans | 93.0113% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 2,434 |
| Noncurrent loans to loans | 0.7679% | 2,478 |
| Net loans and leases to total assets | 91.8407% | 39 |
| Net loans and leases to deposits | 110.1676% | 258 |
| Net loans and leases to core deposits | 200.4909% | 44 |
| Total domestic deposits to total assets | 83.3645% | 3,444 |
| Equity capital to assets | 11.1797% | 2,625 |
| Core capital (leverage) ratio | 11.6278% | 1,879 |
| Tier 1 risk-based capital ratio | 11.8741% | 4,715 |
| Total risk-based capital ratio | 12.5759% | 4,957 |
| Memoranda: | ||
| Average total assets | $122,348,000 | 3,922 |
| Average earning assets | $116,662,670 | 3,868 |
| Average equity | $13,683,330 | 3,934 |
| Average total loans | $112,157,000 | 3,189 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 1,429 |
| Cost of funding earning assets | 0.7764% | 563 |
| Net interest margin | 3.7023% | 2,480 |
| Noninterest income to average assets | 0.0835% | 5,635 |
| Noninterest expense to average assets | 2.8269% | 2,700 |
| Loan and lease loss provision to assets | 0.3129% | 409 |
| Net operating income to assets | 0.2399% | 5,324 |
| Return on assets (ROA) | 0.2399% | 5,337 |
| Pretax return on assets | 0.4590% | 5,036 |
| Return on Equity (ROE) | 2.1448% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.1448% | 4,283 |
| Net charge-offs to loans | 0.0420% | 1,988 |
| Credit loss provision to net charge-offs | 818.1818% | 381 |
| Earnings coverage of net charge-offs (x) | 20.1818% | 1,495 |
| Efficiency ratio | 78.5507% | 1,557 |
| Assets per employee ($millions) | 6.7832% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 5,247 |
| Loan loss allowance to noncurrent loans | 125.9317% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 3,119 |
| Noncurrent loans to loans | 0.5789% | 3,072 |
| Net loans and leases to total assets | 90.4437% | 48 |
| Net loans and leases to deposits | 109.6059% | 224 |
| Net loans and leases to core deposits | 180.5369% | 48 |
| Total domestic deposits to total assets | 82.5172% | 4,004 |
| Equity capital to assets | 12.0011% | 1,845 |
| Core capital (leverage) ratio | 12.9205% | 1,174 |
| Tier 1 risk-based capital ratio | 13.1179% | 4,017 |
| Total risk-based capital ratio | 13.8440% | 4,238 |
| Memoranda: | ||
| Average total assets | $115,036,000 | 4,081 |
| Average earning assets | $109,228,000 | 4,024 |
| Average equity | $12,868,500 | 4,076 |
| Average total loans | $104,885,000 | 3,326 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 1,612 |
| Cost of funding earning assets | 0.7441% | 652 |
| Net interest margin | 3.7314% | 2,571 |
| Noninterest income to average assets | 0.1175% | 5,591 |
| Noninterest expense to average assets | 3.1142% | 1,994 |
| Loan and lease loss provision to assets | 0.4341% | 339 |
| Net operating income to assets | 0.0970% | 5,561 |
| Return on assets (ROA) | 0.0970% | 5,595 |
| Pretax return on assets | 0.1290% | 5,564 |
| Return on Equity (ROE) | 0.9602% | 5,573 |
| Retained earnings to average equity (ytd only) | -21.4024% | 5,862 |
| Net charge-offs to loans | 0.0230% | 3,585 |
| Credit loss provision to net charge-offs | 2,125.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 27.5625% | 1,508 |
| Efficiency ratio | 84.6875% | 942 |
| Assets per employee ($millions) | 5.9986% | 1,488 |
| Cash dividends to net income (ytd only)* | 2,328.9474% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 5,261 |
| Loan loss allowance to noncurrent loans | 68.7970% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 1,925 |
| Noncurrent loans to loans | 1.0799% | 1,927 |
| Net loans and leases to total assets | 90.5747% | 56 |
| Net loans and leases to deposits | 102.3956% | 511 |
| Net loans and leases to core deposits | 165.1073% | 72 |
| Total domestic deposits to total assets | 88.4557% | 1,401 |
| Equity capital to assets | 10.2653% | 3,431 |
| Core capital (leverage) ratio | 10.8719% | 2,470 |
| Tier 1 risk-based capital ratio | 11.1049% | 5,287 |
| Total risk-based capital ratio | 11.8383% | 5,461 |
| Memoranda: | ||
| Average total assets | $78,317,800 | 4,758 |
| Average earning assets | $74,718,000 | 4,709 |
| Average equity | $7,915,000 | 4,947 |
| Average total loans | $69,525,200 | 4,052 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,517 |
| Cost of funding earning assets | 0.7149% | 755 |
| Net interest margin | 3.7911% | 2,362 |
| Noninterest income to average assets | 0.1241% | 5,625 |
| Noninterest expense to average assets | 3.2137% | 1,744 |
| Loan and lease loss provision to assets | 0.6205% | 187 |
| Net operating income to assets | -0.1166% | 5,764 |
| Return on assets (ROA) | -0.1166% | 5,781 |
| Pretax return on assets | -0.0902% | 5,765 |
| Return on Equity (ROE) | -1.1605% | 5,789 |
| Retained earnings to average equity (ytd only) | -34.3117% | 5,951 |
| Net charge-offs to loans | 0.1113% | 1,829 |
| Credit loss provision to net charge-offs | 634.6154% | 595 |
| Earnings coverage of net charge-offs (x) | 5.4232% | 3,131 |
| Efficiency ratio | 85.8363% | 836 |
| Assets per employee ($millions) | 5.3884% | 1,966 |
| Cash dividends to net income (ytd only)* | -2,856.6054% | 5,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 5,184 |
| Loan loss allowance to noncurrent loans | 69.1532% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 2,018 |
| Noncurrent loans to loans | 1.1587% | 1,936 |
| Net loans and leases to total assets | 87.5577% | 166 |
| Net loans and leases to deposits | 96.9419% | 961 |
| Net loans and leases to core deposits | 152.5901% | 112 |
| Total domestic deposits to total assets | 90.3198% | 371 |
| Equity capital to assets | 9.2224% | 4,952 |
| Core capital (leverage) ratio | 10.0892% | 3,455 |
| Tier 1 risk-based capital ratio | 10.1857% | 5,739 |
| Total risk-based capital ratio | 10.9669% | 5,831 |
| Memoranda: | ||
| Average total assets | $70,903,500 | 4,955 |
| Average earning assets | $67,700,250 | 4,892 |
| Average equity | $7,122,750 | 5,118 |
| Average total loans | $62,274,000 | 4,246 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 1,380 |
| Cost of funding earning assets | 0.6609% | 990 |
| Net interest margin | 3.8910% | 2,010 |
| Noninterest income to average assets | 0.1318% | 5,657 |
| Noninterest expense to average assets | 3.2569% | 1,676 |
| Loan and lease loss provision to assets | 0.8038% | 132 |
| Net operating income to assets | -0.2186% | 5,853 |
| Return on assets (ROA) | -0.2186% | 5,866 |
| Pretax return on assets | -0.2186% | 5,860 |
| Return on Equity (ROE) | -2.0874% | 5,872 |
| Retained earnings to average equity (ytd only) | -56.4515% | 6,043 |
| Net charge-offs to loans | 0.1945% | 1,179 |
| Credit loss provision to net charge-offs | 471.6981% | 687 |
| Earnings coverage of net charge-offs (x) | 3.4340% | 3,110 |
| Efficiency ratio | 84.7699% | 985 |
| Assets per employee ($millions) | 4.9948% | 2,302 |
| Cash dividends to net income (ytd only)* | -2,604.4118% | 6,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,223 |
| Loan loss allowance to noncurrent loans | 84.6154% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 2,369 |
| Noncurrent loans to loans | 0.9691% | 2,342 |
| Net loans and leases to total assets | 91.5686% | 27 |
| Net loans and leases to deposits | 109.8422% | 259 |
| Net loans and leases to core deposits | 141.1858% | 178 |
| Total domestic deposits to total assets | 83.3638% | 3,516 |
| Equity capital to assets | 11.1855% | 2,859 |
| Core capital (leverage) ratio | 12.2897% | 1,464 |
| Tier 1 risk-based capital ratio | 12.1550% | 4,726 |
| Total risk-based capital ratio | 12.9776% | 4,905 |
| Memoranda: | ||
| Average total assets | $62,207,330 | 5,197 |
| Average earning assets | $59,316,330 | 5,131 |
| Average equity | $6,515,330 | 5,281 |
| Average total loans | $54,495,330 | 4,518 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 1,999 |
| Cost of funding earning assets | 0.5928% | 1,379 |
| Net interest margin | 3.7463% | 2,495 |
| Noninterest income to average assets | 0.3219% | 4,429 |
| Noninterest expense to average assets | 3.2642% | 1,679 |
| Loan and lease loss provision to assets | 0.0749% | 2,464 |
| Net operating income to assets | 0.5316% | 4,495 |
| Return on assets (ROA) | 0.5316% | 4,605 |
| Pretax return on assets | 0.5316% | 5,005 |
| Return on Equity (ROE) | 5.2803% | 4,351 |
| Retained earnings to average equity (ytd only) | -126.3549% | 6,111 |
| Net charge-offs to loans | -0.0089% | 4,478 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3327% | 1,128 |
| Assets per employee ($millions) | 4.0377% | 3,883 |
| Cash dividends to net income (ytd only)* | 2,492.9577% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 5,452 |
| Loan loss allowance to noncurrent loans | 83.9679% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 2,633 |
| Noncurrent loans to loans | 0.9129% | 2,568 |
| Net loans and leases to total assets | 89.5568% | 75 |
| Net loans and leases to deposits | 103.5549% | 433 |
| Net loans and leases to core deposits | 127.6259% | 311 |
| Total domestic deposits to total assets | 86.4825% | 2,456 |
| Equity capital to assets | 12.1008% | 1,955 |
| Core capital (leverage) ratio | 13.8497% | 849 |
| Tier 1 risk-based capital ratio | 13.6136% | 3,919 |
| Total risk-based capital ratio | 14.3919% | 4,091 |
| Memoranda: | ||
| Average total assets | $53,428,000 | 5,440 |
| Average earning assets | $50,610,500 | 5,387 |
| Average equity | $5,378,500 | 5,536 |
| Average total loans | $44,851,500 | 4,835 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,869 |
| Cost of funding earning assets | 0.4758% | 2,390 |
| Net interest margin | 3.9332% | 1,922 |
| Noninterest income to average assets | 0.2864% | 4,840 |
| Noninterest expense to average assets | 2.1858% | 5,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8391% | 456 |
| Return on assets (ROA) | 1.8391% | 465 |
| Pretax return on assets | 1.8391% | 743 |
| Return on Equity (ROE) | 22.0974% | 172 |
| Retained earnings to average equity (ytd only) | 9.8714% | 478 |
| Net charge-offs to loans | -0.0383% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3071% | 5,503 |
| Assets per employee ($millions) | 7.7150% | 630 |
| Cash dividends to net income (ytd only)* | 55.3279% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 3,681 |
| Loan loss allowance to noncurrent loans | 63.7500% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.3826% | 1,512 |
| Noncurrent loans to loans | 1.8263% | 1,192 |
| Net loans and leases to total assets | 74.8218% | 1,598 |
| Net loans and leases to deposits | 80.9418% | 2,714 |
| Net loans and leases to core deposits | 92.7409% | 2,156 |
| Total domestic deposits to total assets | 92.4390% | 76 |
| Equity capital to assets | 7.4055% | 5,996 |
| Core capital (leverage) ratio | 8.4477% | 5,476 |
| Tier 1 risk-based capital ratio | 9.7392% | 6,011 |
| Total risk-based capital ratio | 10.8983% | 6,008 |
| Memoranda: | ||
| Average total assets | $39,802,200 | 5,770 |
| Average earning assets | $37,832,200 | 5,732 |
| Average equity | $3,312,600 | 5,954 |
| Average total loans | $33,934,400 | 5,225 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 1,618 |
| Cost of funding earning assets | 0.4729% | 2,470 |
| Net interest margin | 4.0180% | 1,645 |
| Noninterest income to average assets | 0.3003% | 4,786 |
| Noninterest expense to average assets | 1.9067% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2210% | 248 |
| Return on assets (ROA) | 2.2210% | 260 |
| Pretax return on assets | 2.2210% | 392 |
| Return on Equity (ROE) | 25.8235% | 99 |
| Retained earnings to average equity (ytd only) | 13.0336% | 273 |
| Net charge-offs to loans | -0.0277% | 5,324 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1929% | 5,956 |
| Assets per employee ($millions) | 6.5643% | 1,045 |
| Cash dividends to net income (ytd only)* | 49.5283% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 4,007 |
| Loan loss allowance to noncurrent loans | 90.5405% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 2,114 |
| Noncurrent loans to loans | 1.2578% | 2,026 |
| Net loans and leases to total assets | 88.6076% | 107 |
| Net loans and leases to deposits | 102.9378% | 496 |
| Net loans and leases to core deposits | 124.7462% | 359 |
| Total domestic deposits to total assets | 86.0788% | 2,483 |
| Equity capital to assets | 8.6884% | 5,582 |
| Core capital (leverage) ratio | 8.7780% | 5,261 |
| Tier 1 risk-based capital ratio | 10.0769% | 6,017 |
| Total risk-based capital ratio | 11.2606% | 5,994 |
| Memoranda: | ||
| Average total assets | $38,180,250 | 5,879 |
| Average earning assets | $36,368,500 | 5,839 |
| Average equity | $3,283,750 | 6,036 |
| Average total loans | $33,657,250 | 5,295 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 1,727 |
| Cost of funding earning assets | 0.4688% | 2,531 |
| Net interest margin | 3.9680% | 1,743 |
| Noninterest income to average assets | 0.2965% | 4,836 |
| Noninterest expense to average assets | 1.8529% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2076% | 254 |
| Return on assets (ROA) | 2.2076% | 269 |
| Pretax return on assets | 2.2076% | 409 |
| Return on Equity (ROE) | 25.7593% | 107 |
| Retained earnings to average equity (ytd only) | 13.7136% | 251 |
| Net charge-offs to loans | -0.0302% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6323% | 6,054 |
| Assets per employee ($millions) | 6.3118% | 1,142 |
| Cash dividends to net income (ytd only)* | 46.7626% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,856 |
| Loan loss allowance to noncurrent loans | 90.0901% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 2,165 |
| Noncurrent loans to loans | 1.3188% | 2,038 |
| Net loans and leases to total assets | 87.8403% | 149 |
| Net loans and leases to deposits | 103.9822% | 454 |
| Net loans and leases to core deposits | 116.7269% | 571 |
| Total domestic deposits to total assets | 84.4762% | 3,360 |
| Equity capital to assets | 8.7745% | 5,461 |
| Core capital (leverage) ratio | 8.9993% | 4,968 |
| Tier 1 risk-based capital ratio | 10.3433% | 5,974 |
| Total risk-based capital ratio | 11.5884% | 5,923 |
| Memoranda: | ||
| Average total assets | $37,778,330 | 5,951 |
| Average earning assets | $35,837,000 | 5,909 |
| Average equity | $3,237,670 | 6,103 |
| Average total loans | $33,109,330 | 5,364 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 1,692 |
| Cost of funding earning assets | 0.4824% | 2,432 |
| Net interest margin | 3.9381% | 1,758 |
| Noninterest income to average assets | 0.2756% | 4,972 |
| Noninterest expense to average assets | 1.8022% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1944% | 231 |
| Return on assets (ROA) | 2.1944% | 247 |
| Pretax return on assets | 2.1944% | 393 |
| Return on Equity (ROE) | 25.9155% | 95 |
| Retained earnings to average equity (ytd only) | 23.4116% | 58 |
| Net charge-offs to loans | -0.0244% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0928% | 6,140 |
| Assets per employee ($millions) | 6.1803% | 1,267 |
| Cash dividends to net income (ytd only)* | 9.6618% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 3,616 |
| Loan loss allowance to noncurrent loans | 84.6482% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2648% | 2,111 |
| Noncurrent loans to loans | 1.4917% | 1,895 |
| Net loans and leases to total assets | 83.7145% | 328 |
| Net loans and leases to deposits | 92.0174% | 1,187 |
| Net loans and leases to core deposits | 106.1118% | 929 |
| Total domestic deposits to total assets | 90.9768% | 377 |
| Equity capital to assets | 8.8695% | 5,425 |
| Core capital (leverage) ratio | 8.7913% | 5,217 |
| Tier 1 risk-based capital ratio | 10.9102% | 5,845 |
| Total risk-based capital ratio | 12.1608% | 5,774 |
| Memoranda: | ||
| Average total assets | $37,732,000 | 6,009 |
| Average earning assets | $35,652,000 | 5,972 |
| Average equity | $3,195,000 | 6,174 |
| Average total loans | $32,831,000 | 5,410 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4996% | 1,865 |
| Cost of funding earning assets | 0.4517% | 3,154 |
| Net interest margin | 4.0479% | 1,745 |
| Noninterest income to average assets | 0.3028% | 4,947 |
| Noninterest expense to average assets | 2.4991% | 4,553 |
| Loan and lease loss provision to assets | 0.2064% | 1,216 |
| Net operating income to assets | 1.4202% | 1,037 |
| Return on assets (ROA) | 1.4202% | 1,068 |
| Pretax return on assets | 1.4202% | 1,814 |
| Return on Equity (ROE) | 16.9291% | 500 |
| Retained earnings to average equity (ytd only) | 6.1680% | 1,823 |
| Net charge-offs to loans | 0.0696% | 3,481 |
| Credit loss provision to net charge-offs | 340.9091% | 773 |
| Earnings coverage of net charge-offs (x) | 26.8636% | 1,452 |
| Efficiency ratio | 60.5737% | 5,134 |
| Assets per employee ($millions) | 6.3970% | 1,122 |
| Cash dividends to net income (ytd only)* | 63.5659% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 4,259 |
| Loan loss allowance to noncurrent loans | 83.8641% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 2,318 |
| Noncurrent loans to loans | 1.3763% | 2,130 |
| Net loans and leases to total assets | 88.1325% | 111 |
| Net loans and leases to deposits | 101.8456% | 520 |
| Net loans and leases to core deposits | 117.7656% | 477 |
| Total domestic deposits to total assets | 86.5354% | 2,550 |
| Equity capital to assets | 8.0793% | 6,025 |
| Core capital (leverage) ratio | 8.1338% | 5,903 |
| Tier 1 risk-based capital ratio | 9.4572% | 6,360 |
| Total risk-based capital ratio | 10.6618% | 6,344 |
| Memoranda: | ||
| Average total assets | $36,333,600 | 6,124 |
| Average earning assets | $34,314,000 | 6,079 |
| Average equity | $3,048,000 | 6,264 |
| Average total loans | $31,607,000 | 5,500 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 2,066 |
| Cost of funding earning assets | 0.4353% | 3,413 |
| Net interest margin | 4.0092% | 1,852 |
| Noninterest income to average assets | 0.2940% | 5,094 |
| Noninterest expense to average assets | 1.9876% | 5,791 |
| Loan and lease loss provision to assets | 0.2792% | 736 |
| Net operating income to assets | 1.7977% | 516 |
| Return on assets (ROA) | 1.7977% | 526 |
| Pretax return on assets | 1.7977% | 900 |
| Return on Equity (ROE) | 21.2202% | 222 |
| Retained earnings to average equity (ytd only) | 8.2597% | 1,240 |
| Net charge-offs to loans | 0.1637% | 2,161 |
| Credit loss provision to net charge-offs | 197.3684% | 1,280 |
| Earnings coverage of net charge-offs (x) | 14.6828% | 2,125 |
| Efficiency ratio | 48.9011% | 6,163 |
| Assets per employee ($millions) | 6.2290% | 1,181 |
| Cash dividends to net income (ytd only)* | 61.0764% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 4,589 |
| Loan loss allowance to noncurrent loans | 79.2887% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 2,407 |
| Noncurrent loans to loans | 1.4302% | 2,274 |
| Net loans and leases to total assets | 88.4144% | 98 |
| Net loans and leases to deposits | 105.0116% | 364 |
| Net loans and leases to core deposits | 116.0660% | 502 |
| Total domestic deposits to total assets | 84.1949% | 3,688 |
| Equity capital to assets | 8.2945% | 5,947 |
| Core capital (leverage) ratio | 8.5442% | 5,606 |
| Tier 1 risk-based capital ratio | 9.7561% | 6,395 |
| Total risk-based capital ratio | 10.9489% | 6,376 |
| Memoranda: | ||
| Average total assets | $35,821,500 | 6,207 |
| Average earning assets | $33,688,000 | 6,171 |
| Average equity | $3,034,750 | 6,336 |
| Average total loans | $30,953,250 | 5,587 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,434 |
| Cost of funding earning assets | 0.4308% | 3,542 |
| Net interest margin | 3.9076% | 2,130 |
| Noninterest income to average assets | 0.3002% | 5,010 |
| Noninterest expense to average assets | 2.0338% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9148% | 399 |
| Return on assets (ROA) | 1.9148% | 416 |
| Pretax return on assets | 1.9148% | 664 |
| Return on Equity (ROE) | 22.4361% | 180 |
| Retained earnings to average equity (ytd only) | 11.8155% | 444 |
| Net charge-offs to loans | 0.2390% | 1,612 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.3889% | 2,362 |
| Efficiency ratio | 51.5065% | 6,098 |
| Assets per employee ($millions) | 5.9005% | 1,352 |
| Cash dividends to net income (ytd only)* | 47.3373% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 5,417 |
| Loan loss allowance to noncurrent loans | 64.9682% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 2,457 |
| Noncurrent loans to loans | 1.5137% | 2,304 |
| Net loans and leases to total assets | 87.0237% | 127 |
| Net loans and leases to deposits | 102.6624% | 412 |
| Net loans and leases to core deposits | 103.5631% | 1,049 |
| Total domestic deposits to total assets | 84.7668% | 3,615 |
| Equity capital to assets | 8.7309% | 5,588 |
| Core capital (leverage) ratio | 8.9178% | 5,140 |
| Tier 1 risk-based capital ratio | 10.5936% | 6,218 |
| Total risk-based capital ratio | 11.6423% | 6,240 |
| Memoranda: | ||
| Average total assets | $35,304,000 | 6,286 |
| Average earning assets | $32,961,330 | 6,249 |
| Average equity | $3,013,000 | 6,392 |
| Average total loans | $30,130,000 | 5,653 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,646 |
| Cost of funding earning assets | 0.4414% | 3,524 |
| Net interest margin | 3.8255% | 2,364 |
| Noninterest income to average assets | 0.2950% | 5,007 |
| Noninterest expense to average assets | 2.1671% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6679% | 598 |
| Return on assets (ROA) | 1.6679% | 622 |
| Pretax return on assets | 1.6679% | 1,037 |
| Return on Equity (ROE) | 19.7714% | 304 |
| Retained earnings to average equity (ytd only) | 16.4089% | 250 |
| Net charge-offs to loans | -0.1350% | 6,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5089% | 5,796 |
| Assets per employee ($millions) | 5.8520% | 1,409 |
| Cash dividends to net income (ytd only)* | 17.0068% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 4,556 |
| Loan loss allowance to noncurrent loans | 74.7346% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 2,636 |
| Noncurrent loans to loans | 1.6304% | 2,386 |
| Net loans and leases to total assets | 81.2742% | 423 |
| Net loans and leases to deposits | 89.0974% | 1,244 |
| Net loans and leases to core deposits | 89.8266% | 1,928 |
| Total domestic deposits to total assets | 91.2195% | 477 |
| Equity capital to assets | 8.6438% | 5,502 |
| Core capital (leverage) ratio | 8.6403% | 5,475 |
| Tier 1 risk-based capital ratio | 11.0187% | 6,147 |
| Total risk-based capital ratio | 12.2604% | 6,104 |
| Memoranda: | ||
| Average total assets | $35,254,500 | 6,350 |
| Average earning assets | $32,623,500 | 6,325 |
| Average equity | $2,974,000 | 6,454 |
| Average total loans | $29,637,500 | 5,729 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 2,404 |
| Cost of funding earning assets | 0.5276% | 3,316 |
| Net interest margin | 3.9194% | 2,223 |
| Noninterest income to average assets | 0.3178% | 5,061 |
| Noninterest expense to average assets | 2.4297% | 4,992 |
| Loan and lease loss provision to assets | 0.1733% | 2,134 |
| Net operating income to assets | 1.2134% | 1,517 |
| Return on assets (ROA) | 1.2134% | 1,588 |
| Pretax return on assets | 1.2134% | 2,524 |
| Return on Equity (ROE) | 14.6240% | 827 |
| Retained earnings to average equity (ytd only) | 4.6309% | 2,862 |
| Net charge-offs to loans | 0.1303% | 3,510 |
| Credit loss provision to net charge-offs | 166.6667% | 1,366 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 2,035 |
| Efficiency ratio | 63.6639% | 4,963 |
| Assets per employee ($millions) | 5.8995% | 1,337 |
| Cash dividends to net income (ytd only)* | 68.3333% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,024 |
| Loan loss allowance to noncurrent loans | 61.5108% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.5708% | 2,370 |
| Noncurrent loans to loans | 1.8298% | 2,198 |
| Net loans and leases to total assets | 84.8772% | 206 |
| Net loans and leases to deposits | 99.7311% | 492 |
| Net loans and leases to core deposits | 100.5994% | 1,110 |
| Total domestic deposits to total assets | 85.1061% | 3,688 |
| Equity capital to assets | 8.2295% | 5,843 |
| Core capital (leverage) ratio | 8.3999% | 5,783 |
| Tier 1 risk-based capital ratio | 10.0751% | 6,500 |
| Total risk-based capital ratio | 11.2579% | 6,478 |
| Memoranda: | ||
| Average total assets | $34,613,000 | 6,425 |
| Average earning assets | $30,897,400 | 6,428 |
| Average equity | $2,872,000 | 6,550 |
| Average total loans | $27,634,200 | 5,867 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 2,531 |
| Cost of funding earning assets | 0.5436% | 3,336 |
| Net interest margin | 3.8753% | 2,360 |
| Noninterest income to average assets | 0.2983% | 5,309 |
| Noninterest expense to average assets | 2.0145% | 5,984 |
| Loan and lease loss provision to assets | 0.2324% | 1,552 |
| Net operating income to assets | 1.4760% | 938 |
| Return on assets (ROA) | 1.4760% | 987 |
| Pretax return on assets | 1.4760% | 1,689 |
| Return on Equity (ROE) | 17.7510% | 460 |
| Retained earnings to average equity (ytd only) | 8.3397% | 1,274 |
| Net charge-offs to loans | 0.1880% | 2,718 |
| Credit loss provision to net charge-offs | 157.8947% | 1,497 |
| Earnings coverage of net charge-offs (x) | 11.6043% | 2,220 |
| Efficiency ratio | 54.1103% | 6,096 |
| Assets per employee ($millions) | 5.6025% | 1,533 |
| Cash dividends to net income (ytd only)* | 53.0188% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,106 |
| Loan loss allowance to noncurrent loans | 59.6491% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.6957% | 2,427 |
| Noncurrent loans to loans | 1.9332% | 2,324 |
| Net loans and leases to total assets | 86.7024% | 121 |
| Net loans and leases to deposits | 98.4495% | 542 |
| Net loans and leases to core deposits | 104.0893% | 876 |
| Total domestic deposits to total assets | 88.0678% | 2,090 |
| Equity capital to assets | 8.8026% | 5,423 |
| Core capital (leverage) ratio | 8.9740% | 5,166 |
| Tier 1 risk-based capital ratio | 10.6765% | 6,400 |
| Total risk-based capital ratio | 11.9033% | 6,376 |
| Memoranda: | ||
| Average total assets | $34,417,000 | 6,494 |
| Average earning assets | $30,414,500 | 6,507 |
| Average equity | $2,861,750 | 6,631 |
| Average total loans | $26,946,250 | 5,949 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,694 |
| Cost of funding earning assets | 0.5684% | 3,232 |
| Net interest margin | 3.7983% | 2,562 |
| Noninterest income to average assets | 0.2710% | 5,515 |
| Noninterest expense to average assets | 1.9605% | 6,113 |
| Loan and lease loss provision to assets | 0.3460% | 968 |
| Net operating income to assets | 1.2398% | 1,490 |
| Return on assets (ROA) | 1.2398% | 1,588 |
| Pretax return on assets | 1.2398% | 2,519 |
| Return on Equity (ROE) | 15.1979% | 773 |
| Retained earnings to average equity (ytd only) | 7.2809% | 1,758 |
| Net charge-offs to loans | 0.3908% | 1,659 |
| Credit loss provision to net charge-offs | 117.6471% | 1,886 |
| Earnings coverage of net charge-offs (x) | 5.3922% | 2,904 |
| Efficiency ratio | 55.2846% | 6,041 |
| Assets per employee ($millions) | 5.3528% | 1,741 |
| Cash dividends to net income (ytd only)* | 52.0930% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 4,954 |
| Loan loss allowance to noncurrent loans | 66.4634% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 2,810 |
| Noncurrent loans to loans | 1.8155% | 2,621 |
| Net loans and leases to total assets | 83.3608% | 274 |
| Net loans and leases to deposits | 91.7386% | 989 |
| Net loans and leases to core deposits | 93.6872% | 1,546 |
| Total domestic deposits to total assets | 90.8678% | 594 |
| Equity capital to assets | 8.9766% | 5,243 |
| Core capital (leverage) ratio | 8.5564% | 5,600 |
| Tier 1 risk-based capital ratio | 11.3437% | 6,176 |
| Total risk-based capital ratio | 12.5949% | 6,146 |
| Memoranda: | ||
| Average total assets | $34,684,330 | 6,534 |
| Average earning assets | $29,908,000 | 6,563 |
| Average equity | $2,829,330 | 6,686 |
| Average total loans | $26,100,000 | 6,018 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 2,204 |
| Cost of funding earning assets | 0.6015% | 3,096 |
| Net interest margin | 3.8894% | 2,153 |
| Noninterest income to average assets | 0.2224% | 5,893 |
| Noninterest expense to average assets | 2.0129% | 6,078 |
| Loan and lease loss provision to assets | 0.6673% | 359 |
| Net operating income to assets | 0.7785% | 3,291 |
| Return on assets (ROA) | 0.7785% | 3,423 |
| Pretax return on assets | 0.7785% | 4,260 |
| Return on Equity (ROE) | 9.9911% | 2,064 |
| Retained earnings to average equity (ytd only) | 6.4228% | 2,446 |
| Net charge-offs to loans | 0.9063% | 669 |
| Credit loss provision to net charge-offs | 103.4483% | 1,780 |
| Earnings coverage of net charge-offs (x) | 2.2414% | 3,094 |
| Efficiency ratio | 58.1994% | 5,826 |
| Assets per employee ($millions) | 6.0453% | 1,224 |
| Cash dividends to net income (ytd only)* | 35.7143% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,592 |
| Loan loss allowance to noncurrent loans | 65.0407% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 3,241 |
| Noncurrent loans to loans | 2.0321% | 2,587 |
| Net loans and leases to total assets | 65.8690% | 2,388 |
| Net loans and leases to deposits | 71.5479% | 3,245 |
| Net loans and leases to core deposits | 73.7703% | 3,610 |
| Total domestic deposits to total assets | 92.0627% | 237 |
| Equity capital to assets | 7.7884% | 6,476 |
| Core capital (leverage) ratio | 7.8871% | 6,228 |
| Tier 1 risk-based capital ratio | 11.7581% | 6,060 |
| Total risk-based capital ratio | 13.0067% | 6,036 |
| Memoranda: | ||
| Average total assets | $35,968,000 | 6,571 |
| Average earning assets | $29,927,500 | 6,621 |
| Average equity | $2,802,500 | 6,761 |
| Average total loans | $25,600,000 | 6,088 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9239% | 1,763 |
| Cost of funding earning assets | 0.7547% | 3,052 |
| Net interest margin | 4.1692% | 1,745 |
| Noninterest income to average assets | 0.2393% | 5,737 |
| Noninterest expense to average assets | 2.5322% | 4,985 |
| Loan and lease loss provision to assets | 0.1773% | 3,407 |
| Net operating income to assets | 1.2026% | 1,595 |
| Return on assets (ROA) | 1.2026% | 1,764 |
| Pretax return on assets | 1.2026% | 2,800 |
| Return on Equity (ROE) | 14.8638% | 835 |
| Retained earnings to average equity (ytd only) | 5.4781% | 2,395 |
| Net charge-offs to loans | 0.2462% | 3,465 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 7.0758% | 2,684 |
| Efficiency ratio | 64.7281% | 4,754 |
| Assets per employee ($millions) | 5.9440% | 1,324 |
| Cash dividends to net income (ytd only)* | 63.1450% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,222 |
| Loan loss allowance to noncurrent loans | 106.3545% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 4,377 |
| Noncurrent loans to loans | 1.1079% | 3,993 |
| Net loans and leases to total assets | 74.7813% | 1,080 |
| Net loans and leases to deposits | 81.2490% | 2,118 |
| Net loans and leases to core deposits | 84.4763% | 2,494 |
| Total domestic deposits to total assets | 92.0396% | 241 |
| Equity capital to assets | 7.7950% | 6,506 |
| Core capital (leverage) ratio | 7.8955% | 6,280 |
| Tier 1 risk-based capital ratio | 10.7589% | 6,447 |
| Total risk-based capital ratio | 11.9896% | 6,425 |
| Memoranda: | ||
| Average total assets | $33,844,400 | 6,659 |
| Average earning assets | $29,813,600 | 6,668 |
| Average equity | $2,738,200 | 6,836 |
| Average total loans | $26,805,200 | 6,091 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0054% | 1,687 |
| Cost of funding earning assets | 0.7762% | 3,145 |
| Net interest margin | 4.2292% | 1,646 |
| Noninterest income to average assets | 0.2276% | 5,922 |
| Noninterest expense to average assets | 2.1403% | 6,083 |
| Loan and lease loss provision to assets | 0.2396% | 2,657 |
| Net operating income to assets | 1.6332% | 788 |
| Return on assets (ROA) | 1.6332% | 869 |
| Pretax return on assets | 1.6332% | 1,471 |
| Return on Equity (ROE) | 19.9916% | 329 |
| Retained earnings to average equity (ytd only) | 9.2871% | 1,126 |
| Net charge-offs to loans | 0.3089% | 2,901 |
| Credit loss provision to net charge-offs | 96.7742% | 3,089 |
| Earnings coverage of net charge-offs (x) | 7.5650% | 2,587 |
| Efficiency ratio | 53.3333% | 6,317 |
| Assets per employee ($millions) | 5.7228% | 1,436 |
| Cash dividends to net income (ytd only)* | 53.5447% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 5,146 |
| Loan loss allowance to noncurrent loans | 93.6047% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 4,279 |
| Noncurrent loans to loans | 1.3131% | 3,846 |
| Net loans and leases to total assets | 75.3589% | 1,069 |
| Net loans and leases to deposits | 82.2479% | 2,086 |
| Net loans and leases to core deposits | 86.8060% | 2,368 |
| Total domestic deposits to total assets | 91.6242% | 265 |
| Equity capital to assets | 8.2127% | 6,482 |
| Core capital (leverage) ratio | 8.3951% | 5,905 |
| Tier 1 risk-based capital ratio | 11.3962% | 6,297 |
| Total risk-based capital ratio | 12.6450% | 6,255 |
| Memoranda: | ||
| Average total assets | $33,389,500 | 6,751 |
| Average earning assets | $29,887,000 | 6,751 |
| Average equity | $2,727,750 | 6,926 |
| Average total loans | $26,759,500 | 6,177 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 1,991 |
| Cost of funding earning assets | 0.8072% | 3,136 |
| Net interest margin | 4.1225% | 2,001 |
| Noninterest income to average assets | 0.2358% | 5,878 |
| Noninterest expense to average assets | 2.0681% | 6,294 |
| Loan and lease loss provision to assets | 0.3628% | 1,822 |
| Net operating income to assets | 1.5420% | 928 |
| Return on assets (ROA) | 1.5420% | 1,040 |
| Pretax return on assets | 1.5420% | 1,739 |
| Return on Equity (ROE) | 18.9099% | 421 |
| Retained earnings to average equity (ytd only) | 9.7145% | 1,051 |
| Net charge-offs to loans | 1.0762% | 1,016 |
| Credit loss provision to net charge-offs | 41.3793% | 4,236 |
| Earnings coverage of net charge-offs (x) | 2.1724% | 3,898 |
| Efficiency ratio | 52.0548% | 6,501 |
| Assets per employee ($millions) | 5.3887% | 1,721 |
| Cash dividends to net income (ytd only)* | 48.6275% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,513 |
| Loan loss allowance to noncurrent loans | 74.9216% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.9866% | 4,401 |
| Noncurrent loans to loans | 1.1716% | 4,196 |
| Net loans and leases to total assets | 83.4746% | 240 |
| Net loans and leases to deposits | 91.4292% | 1,012 |
| Net loans and leases to core deposits | 97.5459% | 1,304 |
| Total domestic deposits to total assets | 91.2996% | 356 |
| Equity capital to assets | 8.5395% | 6,171 |
| Core capital (leverage) ratio | 8.4118% | 5,772 |
| Tier 1 risk-based capital ratio | 10.9751% | 6,511 |
| Total risk-based capital ratio | 11.9251% | 6,611 |
| Memoranda: | ||
| Average total assets | $33,073,670 | 6,810 |
| Average earning assets | $29,982,000 | 6,795 |
| Average equity | $2,697,000 | 6,970 |
| Average total loans | $26,946,670 | 6,209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 2,146 |
| Cost of funding earning assets | 0.8502% | 3,063 |
| Net interest margin | 4.0781% | 2,181 |
| Noninterest income to average assets | 0.2153% | 6,080 |
| Noninterest expense to average assets | 2.0332% | 6,403 |
| Loan and lease loss provision to assets | 0.7176% | 719 |
| Net operating income to assets | 1.1362% | 1,935 |
| Return on assets (ROA) | 1.1362% | 2,122 |
| Pretax return on assets | 1.1362% | 3,181 |
| Return on Equity (ROE) | 14.2589% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.5066% | 1,160 |
| Net charge-offs to loans | 2.3428% | 362 |
| Credit loss provision to net charge-offs | 38.2166% | 3,474 |
| Earnings coverage of net charge-offs (x) | 0.9873% | 3,837 |
| Efficiency ratio | 52.3077% | 6,509 |
| Assets per employee ($millions) | 5.6763% | 1,539 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,600 |
| Loan loss allowance to noncurrent loans | 59.8945% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 4,268 |
| Noncurrent loans to loans | 1.4592% | 3,927 |
| Net loans and leases to total assets | 75.5975% | 850 |
| Net loans and leases to deposits | 82.2824% | 1,898 |
| Net loans and leases to core deposits | 89.4148% | 1,912 |
| Total domestic deposits to total assets | 91.8756% | 290 |
| Equity capital to assets | 7.9277% | 6,569 |
| Core capital (leverage) ratio | 8.1289% | 6,120 |
| Tier 1 risk-based capital ratio | 11.1024% | 6,492 |
| Total risk-based capital ratio | 12.0359% | 6,619 |
| Memoranda: | ||
| Average total assets | $33,444,500 | 6,851 |
| Average earning assets | $30,112,000 | 6,843 |
| Average equity | $2,665,000 | 7,027 |
| Average total loans | $26,806,000 | 6,263 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 2,080 |
| Cost of funding earning assets | 1.1063% | 2,631 |
| Net interest margin | 4.0883% | 2,480 |
| Noninterest income to average assets | 0.2991% | 5,385 |
| Noninterest expense to average assets | 2.7129% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3641% | 1,098 |
| Return on assets (ROA) | 1.3641% | 1,189 |
| Pretax return on assets | 1.3641% | 1,899 |
| Return on Equity (ROE) | 17.3081% | 444 |
| Retained earnings to average equity (ytd only) | 6.5438% | 1,721 |
| Net charge-offs to loans | 0.0036% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 447.0000% | 78 |
| Efficiency ratio | 66.5419% | 4,645 |
| Assets per employee ($millions) | 5.4718% | 1,668 |
| Cash dividends to net income (ytd only)* | 62.1924% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,523 |
| Loan loss allowance to noncurrent loans | 79.4118% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 4,152 |
| Noncurrent loans to loans | 1.4762% | 3,942 |
| Net loans and leases to total assets | 83.1958% | 263 |
| Net loans and leases to deposits | 90.6418% | 1,083 |
| Net loans and leases to core deposits | 99.7225% | 1,204 |
| Total domestic deposits to total assets | 91.7852% | 266 |
| Equity capital to assets | 8.0107% | 6,566 |
| Core capital (leverage) ratio | 7.8248% | 6,422 |
| Tier 1 risk-based capital ratio | 10.4311% | 6,714 |
| Total risk-based capital ratio | 11.6805% | 6,696 |
| Memoranda: | ||
| Average total assets | $32,769,800 | 6,899 |
| Average earning assets | $30,281,800 | 6,862 |
| Average equity | $2,582,600 | 7,104 |
| Average total loans | $27,481,400 | 6,269 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1806% | 2,279 |
| Cost of funding earning assets | 1.1361% | 2,725 |
| Net interest margin | 4.0444% | 2,716 |
| Noninterest income to average assets | 0.2972% | 5,485 |
| Noninterest expense to average assets | 2.2836% | 6,082 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7666% | 549 |
| Return on assets (ROA) | 1.7666% | 605 |
| Pretax return on assets | 1.7666% | 1,016 |
| Return on Equity (ROE) | 22.5090% | 200 |
| Retained earnings to average equity (ytd only) | 10.3211% | 760 |
| Net charge-offs to loans | -0.0923% | 7,154 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3819% | 6,229 |
| Assets per employee ($millions) | 5.5423% | 1,557 |
| Cash dividends to net income (ytd only)* | 54.1484% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,459 |
| Loan loss allowance to noncurrent loans | 65.6489% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.5758% | 3,729 |
| Noncurrent loans to loans | 1.8302% | 3,599 |
| Net loans and leases to total assets | 85.0604% | 160 |
| Net loans and leases to deposits | 92.6741% | 948 |
| Net loans and leases to core deposits | 106.3703% | 846 |
| Total domestic deposits to total assets | 91.7844% | 242 |
| Equity capital to assets | 7.9990% | 6,694 |
| Core capital (leverage) ratio | 8.1433% | 6,218 |
| Tier 1 risk-based capital ratio | 10.2398% | 6,878 |
| Total risk-based capital ratio | 11.4909% | 6,865 |
| Memoranda: | ||
| Average total assets | $32,754,500 | 6,962 |
| Average earning assets | $30,394,750 | 6,923 |
| Average equity | $2,570,750 | 7,172 |
| Average total loans | $27,442,250 | 6,331 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1251% | 2,568 |
| Cost of funding earning assets | 1.1741% | 2,753 |
| Net interest margin | 3.9510% | 3,087 |
| Noninterest income to average assets | 0.2884% | 5,574 |
| Noninterest expense to average assets | 2.1296% | 6,538 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.8350% | 462 |
| Return on assets (ROA) | 1.8350% | 494 |
| Pretax return on assets | 1.8350% | 820 |
| Return on Equity (ROE) | 23.5340% | 177 |
| Retained earnings to average equity (ytd only) | 11.2554% | 626 |
| Net charge-offs to loans | -0.1331% | 7,225 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7152% | 6,647 |
| Assets per employee ($millions) | 5.3758% | 1,684 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,358 |
| Loan loss allowance to noncurrent loans | 58.6325% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.8137% | 3,488 |
| Noncurrent loans to loans | 2.1162% | 3,329 |
| Net loans and leases to total assets | 84.6411% | 196 |
| Net loans and leases to deposits | 93.2252% | 927 |
| Net loans and leases to core deposits | 108.0928% | 811 |
| Total domestic deposits to total assets | 90.7921% | 594 |
| Equity capital to assets | 8.0732% | 6,623 |
| Core capital (leverage) ratio | 7.9434% | 6,364 |
| Tier 1 risk-based capital ratio | 10.4865% | 6,792 |
| Total risk-based capital ratio | 11.7308% | 6,796 |
| Memoranda: | ||
| Average total assets | $32,588,000 | 7,028 |
| Average earning assets | $30,321,330 | 6,986 |
| Average equity | $2,541,000 | 7,239 |
| Average total loans | $27,046,330 | 6,410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 3,884 |
| Cost of funding earning assets | 1.2160% | 2,710 |
| Net interest margin | 3.6217% | 4,477 |
| Noninterest income to average assets | 0.2320% | 6,058 |
| Noninterest expense to average assets | 2.0272% | 6,785 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5509% | 775 |
| Return on assets (ROA) | 1.5509% | 811 |
| Pretax return on assets | 1.5509% | 1,296 |
| Return on Equity (ROE) | 20.2431% | 320 |
| Retained earnings to average equity (ytd only) | 15.4612% | 352 |
| Net charge-offs to loans | -0.0748% | 7,005 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6553% | 6,429 |
| Assets per employee ($millions) | 5.4508% | 1,617 |
| Cash dividends to net income (ytd only)* | 23.6220% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 5,375 |
| Loan loss allowance to noncurrent loans | 53.2258% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.8957% | 3,443 |
| Noncurrent loans to loans | 2.3518% | 3,135 |
| Net loans and leases to total assets | 79.5994% | 555 |
| Net loans and leases to deposits | 86.5344% | 1,645 |
| Net loans and leases to core deposits | 98.9472% | 1,435 |
| Total domestic deposits to total assets | 91.9859% | 290 |
| Equity capital to assets | 7.8214% | 6,663 |
| Core capital (leverage) ratio | 7.7002% | 6,559 |
| Tier 1 risk-based capital ratio | 10.5428% | 6,784 |
| Total risk-based capital ratio | 11.7957% | 6,771 |
| Memoranda: | ||
| Average total assets | $32,754,500 | 7,078 |
| Average earning assets | $30,262,000 | 7,042 |
| Average equity | $2,509,500 | 7,292 |
| Average total loans | $26,747,500 | 6,488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3745% | 2,788 |
| Cost of funding earning assets | 1.4721% | 2,809 |
| Net interest margin | 3.9024% | 3,475 |
| Noninterest income to average assets | 0.3197% | 5,504 |
| Noninterest expense to average assets | 2.5412% | 5,645 |
| Loan and lease loss provision to assets | 0.0816% | 6,332 |
| Net operating income to assets | 1.3375% | 1,089 |
| Return on assets (ROA) | 1.3375% | 1,156 |
| Pretax return on assets | 1.3375% | 1,837 |
| Return on Equity (ROE) | 16.7840% | 498 |
| Retained earnings to average equity (ytd only) | 1.0644% | 5,010 |
| Net charge-offs to loans | 0.0310% | 6,492 |
| Credit loss provision to net charge-offs | 312.5000% | 846 |
| Earnings coverage of net charge-offs (x) | 54.3750% | 434 |
| Efficiency ratio | 64.1680% | 5,322 |
| Assets per employee ($millions) | 5.4673% | 1,618 |
| Cash dividends to net income (ytd only)* | 93.6585% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 5,522 |
| Loan loss allowance to noncurrent loans | 298.1651% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 6,422 |
| Noncurrent loans to loans | 0.4017% | 6,243 |
| Net loans and leases to total assets | 81.7187% | 471 |
| Net loans and leases to deposits | 92.5528% | 1,197 |
| Net loans and leases to core deposits | 109.2335% | 970 |
| Total domestic deposits to total assets | 88.2941% | 2,067 |
| Equity capital to assets | 7.5021% | 6,875 |
| Core capital (leverage) ratio | 7.4644% | 6,731 |
| Tier 1 risk-based capital ratio | 9.9234% | 7,013 |
| Total risk-based capital ratio | 11.1734% | 7,005 |
| Memoranda: | ||
| Average total assets | $30,654,600 | 7,185 |
| Average earning assets | $28,598,000 | 7,143 |
| Average equity | $2,442,800 | 7,412 |
| Average total loans | $25,777,200 | 6,623 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4554% | 2,623 |
| Cost of funding earning assets | 1.5046% | 2,949 |
| Net interest margin | 3.9508% | 3,321 |
| Noninterest income to average assets | 0.3232% | 5,573 |
| Noninterest expense to average assets | 2.0940% | 6,857 |
| Loan and lease loss provision to assets | 0.1107% | 5,925 |
| Net operating income to assets | 1.8151% | 481 |
| Return on assets (ROA) | 1.8151% | 527 |
| Pretax return on assets | 1.8151% | 896 |
| Return on Equity (ROE) | 22.4198% | 185 |
| Retained earnings to average equity (ytd only) | 3.8823% | 3,733 |
| Net charge-offs to loans | -0.1677% | 7,609 |
| Credit loss provision to net charge-offs | -78.1250% | 6,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0925% | 6,965 |
| Assets per employee ($millions) | 5.2258% | 1,902 |
| Cash dividends to net income (ytd only)* | 82.6836% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,481 |
| Loan loss allowance to noncurrent loans | 334.8624% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 6,514 |
| Noncurrent loans to loans | 0.4170% | 6,367 |
| Net loans and leases to total assets | 82.1910% | 474 |
| Net loans and leases to deposits | 89.5666% | 1,776 |
| Net loans and leases to core deposits | 109.8883% | 1,037 |
| Total domestic deposits to total assets | 91.7653% | 236 |
| Equity capital to assets | 7.9923% | 6,807 |
| Core capital (leverage) ratio | 8.0943% | 6,206 |
| Tier 1 risk-based capital ratio | 10.2194% | 6,950 |
| Total risk-based capital ratio | 11.4713% | 6,927 |
| Memoranda: | ||
| Average total assets | $30,117,250 | 7,291 |
| Average earning assets | $28,179,000 | 7,240 |
| Average equity | $2,438,250 | 7,506 |
| Average total loans | $25,438,500 | 6,729 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4809% | 2,611 |
| Cost of funding earning assets | 1.4987% | 3,268 |
| Net interest margin | 3.9822% | 3,102 |
| Noninterest income to average assets | 0.2828% | 5,880 |
| Noninterest expense to average assets | 2.1343% | 6,807 |
| Loan and lease loss provision to assets | 0.1683% | 5,196 |
| Net operating income to assets | 1.7371% | 542 |
| Return on assets (ROA) | 1.7371% | 595 |
| Pretax return on assets | 1.7371% | 985 |
| Return on Equity (ROE) | 21.3605% | 241 |
| Retained earnings to average equity (ytd only) | -0.9107% | 5,951 |
| Net charge-offs to loans | -0.2380% | 7,663 |
| Credit loss provision to net charge-offs | -83.3333% | 6,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8333% | 6,998 |
| Assets per employee ($millions) | 5.0100% | 2,176 |
| Cash dividends to net income (ytd only)* | 104.2636% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,483 |
| Loan loss allowance to noncurrent loans | 327.0270% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,504 |
| Noncurrent loans to loans | 0.4243% | 6,392 |
| Net loans and leases to total assets | 85.8283% | 239 |
| Net loans and leases to deposits | 95.6725% | 1,078 |
| Net loans and leases to core deposits | 119.1686% | 723 |
| Total domestic deposits to total assets | 89.7106% | 1,067 |
| Equity capital to assets | 8.0639% | 6,683 |
| Core capital (leverage) ratio | 8.2158% | 5,914 |
| Tier 1 risk-based capital ratio | 9.9060% | 7,078 |
| Total risk-based capital ratio | 11.1606% | 7,052 |
| Memoranda: | ||
| Average total assets | $29,704,670 | 7,355 |
| Average earning assets | $28,024,670 | 7,295 |
| Average equity | $2,415,670 | 7,568 |
| Average total loans | $25,206,000 | 6,790 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 2,677 |
| Cost of funding earning assets | 1.5003% | 3,554 |
| Net interest margin | 3.9817% | 2,949 |
| Noninterest income to average assets | 0.2845% | 5,863 |
| Noninterest expense to average assets | 2.0727% | 7,007 |
| Loan and lease loss provision to assets | 0.3387% | 3,355 |
| Net operating income to assets | 1.6121% | 731 |
| Return on assets (ROA) | 1.6121% | 784 |
| Pretax return on assets | 1.6121% | 1,235 |
| Return on Equity (ROE) | 19.7388% | 396 |
| Retained earnings to average equity (ytd only) | -7.7960% | 6,814 |
| Net charge-offs to loans | -0.2588% | 7,718 |
| Credit loss provision to net charge-offs | -156.2500% | 6,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5152% | 7,191 |
| Assets per employee ($millions) | 4.8610% | 2,420 |
| Cash dividends to net income (ytd only)* | 139.4958% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,377 |
| Loan loss allowance to noncurrent loans | 120.7612% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 5,164 |
| Noncurrent loans to loans | 1.1670% | 5,028 |
| Net loans and leases to total assets | 83.7105% | 400 |
| Net loans and leases to deposits | 93.1337% | 1,459 |
| Net loans and leases to core deposits | 113.8388% | 1,047 |
| Total domestic deposits to total assets | 89.8821% | 1,049 |
| Equity capital to assets | 8.1876% | 6,448 |
| Core capital (leverage) ratio | 8.2067% | 5,899 |
| Tier 1 risk-based capital ratio | 10.2379% | 6,859 |
| Total risk-based capital ratio | 11.4898% | 6,848 |
| Memoranda: | ||
| Average total assets | $29,527,000 | 7,455 |
| Average earning assets | $27,727,000 | 7,401 |
| Average equity | $2,411,500 | 7,660 |
| Average total loans | $24,727,500 | 6,898 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9439% | 2,070 |
| Cost of funding earning assets | 1.7154% | 4,429 |
| Net interest margin | 4.2285% | 1,977 |
| Noninterest income to average assets | 0.3257% | 5,751 |
| Noninterest expense to average assets | 2.8287% | 4,843 |
| Loan and lease loss provision to assets | 0.1062% | 6,577 |
| Net operating income to assets | 1.3878% | 871 |
| Return on assets (ROA) | 1.3878% | 927 |
| Pretax return on assets | 1.3878% | 1,463 |
| Return on Equity (ROE) | 16.3483% | 522 |
| Retained earnings to average equity (ytd only) | 4.5041% | 2,103 |
| Net charge-offs to loans | 0.0384% | 6,734 |
| Credit loss provision to net charge-offs | 333.3333% | 975 |
| Earnings coverage of net charge-offs (x) | 46.8889% | 545 |
| Efficiency ratio | 65.4382% | 5,502 |
| Assets per employee ($millions) | 4.9813% | 2,243 |
| Cash dividends to net income (ytd only)* | 72.4490% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2474% | 5,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.5812% | 752 |
| Net loans and leases to deposits | 92.0947% | 1,882 |
| Net loans and leases to core deposits | 116.6149% | 2,255 |
| Total domestic deposits to total assets | 88.5840% | 1,684 |
| Equity capital to assets | 8.1471% | 6,410 |
| Core capital (leverage) ratio | 8.2534% | 5,712 |
| Tier 1 risk-based capital ratio | 10.3476% | 6,541 |
| Total risk-based capital ratio | 11.6012% | 6,510 |
| Memoranda: | ||
| Average total assets | $28,246,600 | 7,534 |
| Average earning assets | $26,699,600 | 7,472 |
| Average equity | $2,397,800 | 7,752 |
| Average total loans | $23,411,600 | 7,004 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 2,432 |
| Cost of funding earning assets | 1.7460% | 4,658 |
| Net interest margin | 4.1582% | 2,187 |
| Noninterest income to average assets | 0.3161% | 5,950 |
| Noninterest expense to average assets | 2.3278% | 6,631 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9351% | 334 |
| Return on assets (ROA) | 1.9351% | 362 |
| Pretax return on assets | 1.9351% | 613 |
| Return on Equity (ROE) | 22.5518% | 183 |
| Retained earnings to average equity (ytd only) | 8.0385% | 1,124 |
| Net charge-offs to loans | -0.1617% | 7,959 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6067% | 7,171 |
| Assets per employee ($millions) | 4.9288% | 2,230 |
| Cash dividends to net income (ytd only)* | 64.3572% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 4,868 |
| Loan loss allowance to noncurrent loans | 2,625.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 7,474 |
| Noncurrent loans to loans | 0.0474% | 7,389 |
| Net loans and leases to total assets | 84.4689% | 494 |
| Net loans and leases to deposits | 95.9846% | 1,583 |
| Net loans and leases to core deposits | 125.7108% | 1,762 |
| Total domestic deposits to total assets | 88.0026% | 1,651 |
| Equity capital to assets | 8.3556% | 6,436 |
| Core capital (leverage) ratio | 8.4940% | 5,507 |
| Tier 1 risk-based capital ratio | 10.1675% | 6,814 |
| Total risk-based capital ratio | 11.4183% | 6,753 |
| Memoranda: | ||
| Average total assets | $27,836,250 | 7,617 |
| Average earning assets | $26,421,000 | 7,554 |
| Average equity | $2,388,500 | 7,828 |
| Average total loans | $23,091,750 | 7,083 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9134% | 2,527 |
| Cost of funding earning assets | 1.7570% | 4,962 |
| Net interest margin | 4.1564% | 2,137 |
| Noninterest income to average assets | 0.2935% | 6,158 |
| Noninterest expense to average assets | 2.2893% | 6,782 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9444% | 339 |
| Return on assets (ROA) | 1.9444% | 370 |
| Pretax return on assets | 1.9444% | 641 |
| Return on Equity (ROE) | 22.4481% | 216 |
| Retained earnings to average equity (ytd only) | 5.8450% | 2,094 |
| Net charge-offs to loans | -0.3310% | 8,076 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0728% | 7,323 |
| Assets per employee ($millions) | 4.7923% | 2,333 |
| Cash dividends to net income (ytd only)* | 73.9623% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 82.7294% | 823 |
| Net loans and leases to deposits | 93.3668% | 2,196 |
| Net loans and leases to core deposits | 115.5486% | 2,754 |
| Total domestic deposits to total assets | 88.6068% | 1,480 |
| Equity capital to assets | 8.3328% | 6,288 |
| Core capital (leverage) ratio | 8.7353% | 5,035 |
| Tier 1 risk-based capital ratio | 10.3705% | 6,510 |
| Total risk-based capital ratio | 11.6214% | 6,444 |
| Memoranda: | ||
| Average total assets | $27,257,330 | 7,713 |
| Average earning assets | $25,839,670 | 7,648 |
| Average equity | $2,361,000 | 7,915 |
| Average total loans | $22,357,330 | 7,190 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0239% | 2,261 |
| Cost of funding earning assets | 1.8216% | 5,015 |
| Net interest margin | 4.2024% | 1,893 |
| Noninterest income to average assets | 0.2716% | 6,263 |
| Noninterest expense to average assets | 2.3539% | 6,357 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.8862% | 447 |
| Return on assets (ROA) | 1.8862% | 496 |
| Pretax return on assets | 1.8862% | 827 |
| Return on Equity (ROE) | 21.3356% | 339 |
| Retained earnings to average equity (ytd only) | 5.6326% | 2,807 |
| Net charge-offs to loans | -0.5028% | 8,104 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5160% | 7,030 |
| Assets per employee ($millions) | 4.4160% | 2,853 |
| Cash dividends to net income (ytd only)* | 73.6000% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 3,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 81.6878% | 1,063 |
| Net loans and leases to deposits | 93.8554% | 2,295 |
| Net loans and leases to core deposits | 106.1397% | 3,891 |
| Total domestic deposits to total assets | 87.0358% | 2,199 |
| Equity capital to assets | 8.9070% | 5,463 |
| Core capital (leverage) ratio | 8.9560% | 4,784 |
| Tier 1 risk-based capital ratio | 11.3402% | 5,558 |
| Total risk-based capital ratio | 12.5943% | 5,461 |
| Memoranda: | ||
| Average total assets | $26,509,000 | 7,779 |
| Average earning assets | $25,033,500 | 7,723 |
| Average equity | $2,343,500 | 7,967 |
| Average total loans | $21,480,000 | 7,277 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6912% | 2,061 |
| Cost of funding earning assets | 2.6102% | 3,634 |
| Net interest margin | 4.0810% | 2,789 |
| Noninterest income to average assets | 0.3130% | 6,216 |
| Noninterest expense to average assets | 2.8053% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3159% | 1,442 |
| Return on assets (ROA) | 1.3159% | 1,396 |
| Pretax return on assets | 1.3159% | 2,257 |
| Return on Equity (ROE) | 15.1318% | 904 |
| Retained earnings to average equity (ytd only) | 2.9917% | 3,308 |
| Net charge-offs to loans | 0.0386% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 43.6250% | 843 |
| Efficiency ratio | 68.0695% | 4,714 |
| Assets per employee ($millions) | 4.4203% | 2,752 |
| Cash dividends to net income (ytd only)* | 80.2292% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 3,382 |
| Loan loss allowance to noncurrent loans | 2,870.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 7,439 |
| Noncurrent loans to loans | 0.0476% | 7,317 |
| Net loans and leases to total assets | 78.1050% | 2,108 |
| Net loans and leases to deposits | 90.4704% | 3,373 |
| Net loans and leases to core deposits | 98.6852% | 4,970 |
| Total domestic deposits to total assets | 86.3321% | 2,247 |
| Equity capital to assets | 8.7738% | 5,698 |
| Core capital (leverage) ratio | 8.8929% | 4,901 |
| Tier 1 risk-based capital ratio | 11.6484% | 5,101 |
| Total risk-based capital ratio | 12.8998% | 4,992 |
| Memoranda: | ||
| Average total assets | $26,521,000 | 7,785 |
| Average earning assets | $24,748,800 | 7,754 |
| Average equity | $2,306,400 | 8,049 |
| Average total loans | $20,736,600 | 7,284 |