Home > High Plains Bank > Performance and Condition Ratios
High Plains Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9959% | 637 |
| Cost of funding earning assets | 1.5450% | 1,826 |
| Net interest margin | 4.4509% | 658 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.5794% | 526 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1581% | 1,757 |
| Return on assets (ROA) | 1.1581% | 1,734 |
| Pretax return on assets | 1.1581% | 2,247 |
| Return on Equity (ROE) | 12.5900% | 1,823 |
| Retained earnings to average equity (ytd only) | 5.9461% | 2,265 |
| Net charge-offs to loans | 0.0333% | 1,631 |
| Credit loss provision to net charge-offs | 30.3030% | 2,274 |
| Earnings coverage of net charge-offs (x) | 44.9899% | 1,360 |
| Efficiency ratio | 75.4289% | 1,303 |
| Assets per employee ($millions) | 4.3728% | 4,006 |
| Cash dividends to net income (ytd only)* | 52.7803% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,534 |
| Loan loss allowance to noncurrent loans | 1,478.2427% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,571 |
| Noncurrent loans to loans | 0.0780% | 3,161 |
| Net loans and leases to total assets | 78.6800% | 798 |
| Net loans and leases to deposits | 96.9085% | 723 |
| Net loans and leases to core deposits | 100.9284% | 1,381 |
| Total domestic deposits to total assets | 81.1900% | 3,274 |
| Equity capital to assets | 10.2235% | 1,883 |
| Core capital (leverage) ratio | 10.3112% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $381,996,400 | 2,072 |
| Average earning assets | $356,643,800 | 2,059 |
| Average equity | $35,132,200 | 2,050 |
| Average total loans | $297,331,200 | 1,799 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 658 |
| Cost of funding earning assets | 1.4615% | 1,700 |
| Net interest margin | 4.3644% | 737 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.4373% | 596 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.1504% | 1,920 |
| Return on assets (ROA) | 1.1504% | 1,902 |
| Pretax return on assets | 1.1504% | 2,416 |
| Return on Equity (ROE) | 12.8700% | 1,926 |
| Retained earnings to average equity (ytd only) | 3.7362% | 3,331 |
| Net charge-offs to loans | 0.0045% | 2,318 |
| Credit loss provision to net charge-offs | -550.0000% | 4,579 |
| Earnings coverage of net charge-offs (x) | 323.5000% | 425 |
| Efficiency ratio | 75.2392% | 1,247 |
| Assets per employee ($millions) | 4.5212% | 3,928 |
| Cash dividends to net income (ytd only)* | 70.9726% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,616 |
| Loan loss allowance to noncurrent loans | 328.9302% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 1,606 |
| Noncurrent loans to loans | 0.3497% | 1,969 |
| Net loans and leases to total assets | 78.1600% | 863 |
| Net loans and leases to deposits | 94.5833% | 858 |
| Net loans and leases to core deposits | 98.5613% | 1,413 |
| Total domestic deposits to total assets | 82.6400% | 3,083 |
| Equity capital to assets | 8.9143% | 2,474 |
| Core capital (leverage) ratio | 9.2950% | 3,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $381,293,250 | 2,073 |
| Average earning assets | $356,508,750 | 2,055 |
| Average equity | $34,080,000 | 2,081 |
| Average total loans | $295,086,500 | 1,813 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 690 |
| Cost of funding earning assets | 1.3307% | 1,630 |
| Net interest margin | 4.3166% | 787 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.5429% | 516 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.1067% | 2,108 |
| Return on assets (ROA) | 1.1067% | 2,097 |
| Pretax return on assets | 1.1067% | 2,629 |
| Return on Equity (ROE) | 12.3700% | 2,048 |
| Retained earnings to average equity (ytd only) | 3.6593% | 3,300 |
| Net charge-offs to loans | -0.0014% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.0290% | 1,093 |
| Assets per employee ($millions) | 4.5101% | 3,945 |
| Cash dividends to net income (ytd only)* | 70.4198% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,619 |
| Loan loss allowance to noncurrent loans | 26,976.9231% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 2,922 |
| Noncurrent loans to loans | 0.0043% | 3,786 |
| Net loans and leases to total assets | 76.6500% | 981 |
| Net loans and leases to deposits | 92.6737% | 971 |
| Net loans and leases to core deposits | 97.7882% | 1,365 |
| Total domestic deposits to total assets | 82.7100% | 3,104 |
| Equity capital to assets | 8.8148% | 2,647 |
| Core capital (leverage) ratio | 9.3563% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $378,783,000 | 2,083 |
| Average earning assets | $354,262,000 | 2,072 |
| Average equity | $33,886,333 | 2,103 |
| Average total loans | $290,969,667 | 1,818 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4823% | 637 |
| Cost of funding earning assets | 1.1401% | 1,625 |
| Net interest margin | 4.3422% | 753 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 3.8136% | 406 |
| Loan and lease loss provision to assets | -0.2000% | 4,624 |
| Net operating income to assets | 1.0015% | 2,517 |
| Return on assets (ROA) | 1.0015% | 2,489 |
| Pretax return on assets | 1.0015% | 2,990 |
| Return on Equity (ROE) | 11.1100% | 2,463 |
| Retained earnings to average equity (ytd only) | 2.3477% | 3,638 |
| Net charge-offs to loans | -0.0014% | 3,364 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.6691% | 663 |
| Assets per employee ($millions) | 4.4569% | 4,046 |
| Cash dividends to net income (ytd only)* | 78.8687% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 2,715 |
| Loan loss allowance to noncurrent loans | 3,047.3214% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 2,723 |
| Noncurrent loans to loans | 0.0384% | 3,470 |
| Net loans and leases to total assets | 75.2100% | 1,059 |
| Net loans and leases to deposits | 91.0668% | 973 |
| Net loans and leases to core deposits | 95.3916% | 1,316 |
| Total domestic deposits to total assets | 82.5800% | 3,387 |
| Equity capital to assets | 8.8724% | 2,611 |
| Core capital (leverage) ratio | 9.5148% | 3,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $374,240,000 | 2,136 |
| Average earning assets | $350,147,500 | 2,123 |
| Average equity | $33,734,500 | 2,136 |
| Average total loans | $286,057,000 | 1,858 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 554 |
| Cost of funding earning assets | 0.4452% | 1,751 |
| Net interest margin | 4.2108% | 517 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 3.3812% | 560 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1468% | 1,985 |
| Return on assets (ROA) | 1.1468% | 1,926 |
| Pretax return on assets | 1.1468% | 2,618 |
| Return on Equity (ROE) | 12.6700% | 1,917 |
| Retained earnings to average equity (ytd only) | 7.5317% | 2,012 |
| Net charge-offs to loans | 0.0041% | 2,305 |
| Credit loss provision to net charge-offs | 3,020.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 424.4000% | 373 |
| Efficiency ratio | 73.2510% | 1,291 |
| Assets per employee ($millions) | 4.5085% | 4,035 |
| Cash dividends to net income (ytd only)* | 40.5378% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,504 |
| Loan loss allowance to noncurrent loans | 1,201.0909% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,039 |
| Noncurrent loans to loans | 0.0981% | 3,061 |
| Net loans and leases to total assets | 75.8900% | 1,020 |
| Net loans and leases to deposits | 91.6822% | 929 |
| Net loans and leases to core deposits | 99.5814% | 1,025 |
| Total domestic deposits to total assets | 82.7700% | 3,467 |
| Equity capital to assets | 9.1629% | 2,252 |
| Core capital (leverage) ratio | 9.8140% | 2,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $343,726,400 | 2,251 |
| Average earning assets | $319,391,400 | 2,239 |
| Average equity | $31,121,800 | 2,291 |
| Average total loans | $245,234,400 | 1,971 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4489% | 536 |
| Cost of funding earning assets | 0.3228% | 1,936 |
| Net interest margin | 4.1262% | 487 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 3.2107% | 681 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.0663% | 2,229 |
| Return on assets (ROA) | 1.0663% | 2,186 |
| Pretax return on assets | 1.0663% | 2,824 |
| Return on Equity (ROE) | 11.8100% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.7154% | 2,850 |
| Net charge-offs to loans | 0.0017% | 2,243 |
| Credit loss provision to net charge-offs | 7,533.3333% | 74 |
| Earnings coverage of net charge-offs (x) | 977.6667% | 155 |
| Efficiency ratio | 73.5313% | 1,330 |
| Assets per employee ($millions) | 4.6008% | 3,980 |
| Cash dividends to net income (ytd only)* | 51.6260% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,384 |
| Loan loss allowance to noncurrent loans | 46,200.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,011 |
| Noncurrent loans to loans | 0.0027% | 3,949 |
| Net loans and leases to total assets | 71.6400% | 1,329 |
| Net loans and leases to deposits | 84.2638% | 1,281 |
| Net loans and leases to core deposits | 91.5086% | 1,208 |
| Total domestic deposits to total assets | 85.0200% | 3,280 |
| Equity capital to assets | 8.8389% | 2,324 |
| Core capital (leverage) ratio | 10.0186% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $338,360,500 | 2,280 |
| Average earning assets | $313,924,500 | 2,284 |
| Average equity | $30,536,750 | 2,343 |
| Average total loans | $236,432,750 | 2,018 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 488 |
| Cost of funding earning assets | 0.3074% | 1,658 |
| Net interest margin | 4.0376% | 458 |
| Noninterest income to average assets | 0.5218% | 2,077 |
| Noninterest expense to average assets | 3.1988% | 633 |
| Loan and lease loss provision to assets | 0.0915% | 1,082 |
| Net operating income to assets | 0.9485% | 2,363 |
| Return on assets (ROA) | 0.9485% | 2,336 |
| Pretax return on assets | 0.9485% | 2,906 |
| Return on Equity (ROE) | 10.4309% | 2,182 |
| Retained earnings to average equity (ytd only) | 3.7258% | 3,191 |
| Net charge-offs to loans | 0.0018% | 2,050 |
| Credit loss provision to net charge-offs | 7,550.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 858.0000% | 155 |
| Efficiency ratio | 75.4647% | 1,338 |
| Assets per employee ($millions) | 4.3096% | 4,199 |
| Cash dividends to net income (ytd only)* | 64.2812% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.2134% | 1,378 |
| Net loans and leases to deposits | 79.5288% | 1,419 |
| Net loans and leases to core deposits | 81.2014% | 1,647 |
| Total domestic deposits to total assets | 87.0293% | 2,925 |
| Equity capital to assets | 9.3146% | 2,151 |
| Core capital (leverage) ratio | 9.5203% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,993,667 | 2,326 |
| Average earning assets | $303,795,000 | 2,354 |
| Average equity | $30,007,000 | 2,419 |
| Average total loans | $227,374,000 | 2,069 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 597 |
| Cost of funding earning assets | 0.2981% | 1,678 |
| Net interest margin | 3.8336% | 596 |
| Noninterest income to average assets | 0.5249% | 2,019 |
| Noninterest expense to average assets | 3.0344% | 781 |
| Loan and lease loss provision to assets | 0.0918% | 902 |
| Net operating income to assets | 0.8761% | 2,383 |
| Return on assets (ROA) | 0.8761% | 2,381 |
| Pretax return on assets | 0.8761% | 2,872 |
| Return on Equity (ROE) | 9.7564% | 2,067 |
| Retained earnings to average equity (ytd only) | 4.4149% | 2,798 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8178% | 1,549 |
| Assets per employee ($millions) | 4.6137% | 4,066 |
| Cash dividends to net income (ytd only)* | 54.7486% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 2,093 |
| Loan loss allowance to noncurrent loans | 3,956.4103% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,821 |
| Noncurrent loans to loans | 0.0343% | 3,738 |
| Net loans and leases to total assets | 64.8900% | 1,513 |
| Net loans and leases to deposits | 74.1462% | 1,597 |
| Net loans and leases to core deposits | 75.3907% | 1,818 |
| Total domestic deposits to total assets | 87.5163% | 2,738 |
| Equity capital to assets | 8.9022% | 2,800 |
| Core capital (leverage) ratio | 9.6827% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,916,000 | 2,362 |
| Average earning assets | $296,536,500 | 2,411 |
| Average equity | $29,355,000 | 2,521 |
| Average total loans | $223,151,000 | 2,088 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 125 |
| Cost of funding earning assets | 0.3622% | 1,834 |
| Net interest margin | 5.2213% | 106 |
| Noninterest income to average assets | 0.5302% | 2,441 |
| Noninterest expense to average assets | 3.6400% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5099% | 989 |
| Return on assets (ROA) | 1.5099% | 1,034 |
| Pretax return on assets | 1.5099% | 1,689 |
| Return on Equity (ROE) | 17.4289% | 528 |
| Retained earnings to average equity (ytd only) | 8.7104% | 1,279 |
| Net charge-offs to loans | 0.0141% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 143.0667% | 689 |
| Efficiency ratio | 70.6811% | 1,658 |
| Assets per employee ($millions) | 4.1595% | 4,347 |
| Cash dividends to net income (ytd only)* | 50.0233% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,012 |
| Loan loss allowance to noncurrent loans | 1,802.9940% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,603 |
| Noncurrent loans to loans | 0.0764% | 3,550 |
| Net loans and leases to total assets | 70.0664% | 1,035 |
| Net loans and leases to deposits | 80.6899% | 1,159 |
| Net loans and leases to core deposits | 82.5574% | 1,418 |
| Total domestic deposits to total assets | 86.8342% | 2,576 |
| Equity capital to assets | 9.0661% | 3,551 |
| Core capital (leverage) ratio | 9.1192% | 3,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,258,400 | 2,514 |
| Average earning assets | $251,508,000 | 2,606 |
| Average equity | $24,625,800 | 2,874 |
| Average total loans | $212,724,600 | 2,152 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9725% | 91 |
| Cost of funding earning assets | 0.3766% | 1,882 |
| Net interest margin | 5.5960% | 84 |
| Noninterest income to average assets | 0.5240% | 2,522 |
| Noninterest expense to average assets | 3.4026% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.0327% | 439 |
| Return on assets (ROA) | 2.0327% | 462 |
| Pretax return on assets | 2.0327% | 757 |
| Return on Equity (ROE) | 23.7696% | 218 |
| Retained earnings to average equity (ytd only) | 12.6969% | 689 |
| Net charge-offs to loans | 0.0151% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 176.8333% | 605 |
| Efficiency ratio | 62.6013% | 2,593 |
| Assets per employee ($millions) | 4.1810% | 4,342 |
| Cash dividends to net income (ytd only)* | 46.5834% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,881 |
| Loan loss allowance to noncurrent loans | 1,806.5868% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,750 |
| Noncurrent loans to loans | 0.0792% | 3,695 |
| Net loans and leases to total assets | 69.9809% | 1,075 |
| Net loans and leases to deposits | 80.3152% | 1,259 |
| Net loans and leases to core deposits | 82.3493% | 1,546 |
| Total domestic deposits to total assets | 87.1327% | 2,300 |
| Equity capital to assets | 8.5783% | 4,154 |
| Core capital (leverage) ratio | 8.9298% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,371,750 | 2,568 |
| Average earning assets | $244,313,250 | 2,669 |
| Average equity | $23,805,750 | 2,957 |
| Average total loans | $211,236,000 | 2,193 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7000% | 53 |
| Cost of funding earning assets | 0.3980% | 1,897 |
| Net interest margin | 6.3020% | 51 |
| Noninterest income to average assets | 0.5172% | 2,548 |
| Noninterest expense to average assets | 3.3694% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5928% | 195 |
| Return on assets (ROA) | 2.5928% | 208 |
| Pretax return on assets | 2.5928% | 309 |
| Return on Equity (ROE) | 30.3535% | 92 |
| Retained earnings to average equity (ytd only) | 17.6152% | 239 |
| Net charge-offs to loans | 0.0237% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 141.1600% | 613 |
| Efficiency ratio | 56.5126% | 3,474 |
| Assets per employee ($millions) | 4.0626% | 4,412 |
| Cash dividends to net income (ytd only)* | 41.9666% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 2,014 |
| Loan loss allowance to noncurrent loans | 1,805.9880% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,831 |
| Noncurrent loans to loans | 0.0771% | 3,801 |
| Net loans and leases to total assets | 76.1976% | 574 |
| Net loans and leases to deposits | 87.7725% | 790 |
| Net loans and leases to core deposits | 90.9519% | 1,069 |
| Total domestic deposits to total assets | 86.8126% | 2,417 |
| Equity capital to assets | 8.6861% | 4,061 |
| Core capital (leverage) ratio | 8.7235% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,211,000 | 2,592 |
| Average earning assets | $235,194,000 | 2,723 |
| Average equity | $23,252,667 | 2,990 |
| Average total loans | $211,395,333 | 2,200 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4153% | 37 |
| Cost of funding earning assets | 0.4537% | 1,691 |
| Net interest margin | 6.9616% | 34 |
| Noninterest income to average assets | 0.5191% | 2,524 |
| Noninterest expense to average assets | 2.9431% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.4129% | 115 |
| Return on assets (ROA) | 3.4129% | 125 |
| Pretax return on assets | 3.4129% | 156 |
| Return on Equity (ROE) | 40.3092% | 67 |
| Retained earnings to average equity (ytd only) | 34.2663% | 57 |
| Net charge-offs to loans | 0.0402% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 108.9524% | 585 |
| Efficiency ratio | 46.3037% | 4,446 |
| Assets per employee ($millions) | 4.2048% | 4,342 |
| Cash dividends to net income (ytd only)* | 14.9913% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 1,974 |
| Loan loss allowance to noncurrent loans | 1,263.5983% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 3,766 |
| Noncurrent loans to loans | 0.1105% | 3,754 |
| Net loans and leases to total assets | 76.8535% | 551 |
| Net loans and leases to deposits | 88.5377% | 792 |
| Net loans and leases to core deposits | 91.4985% | 1,138 |
| Total domestic deposits to total assets | 86.8031% | 2,389 |
| Equity capital to assets | 8.6639% | 3,986 |
| Core capital (leverage) ratio | 8.9202% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,156,500 | 2,608 |
| Average earning assets | $224,833,500 | 2,781 |
| Average equity | $22,704,500 | 3,022 |
| Average total loans | $208,786,500 | 2,219 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5196% | 183 |
| Cost of funding earning assets | 0.4993% | 2,951 |
| Net interest margin | 5.0202% | 120 |
| Noninterest income to average assets | 0.4598% | 2,820 |
| Noninterest expense to average assets | 3.5343% | 658 |
| Loan and lease loss provision to assets | 0.1514% | 2,481 |
| Net operating income to assets | 1.4229% | 969 |
| Return on assets (ROA) | 1.4246% | 1,051 |
| Pretax return on assets | 1.4246% | 1,582 |
| Return on Equity (ROE) | 15.7623% | 533 |
| Retained earnings to average equity (ytd only) | 1.8751% | 3,881 |
| Net charge-offs to loans | 0.0233% | 2,578 |
| Credit loss provision to net charge-offs | 838.0952% | 870 |
| Earnings coverage of net charge-offs (x) | 87.1429% | 855 |
| Efficiency ratio | 69.1841% | 2,068 |
| Assets per employee ($millions) | 3.9211% | 4,429 |
| Cash dividends to net income (ytd only)* | 88.1039% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,542 |
| Loan loss allowance to noncurrent loans | 1,013.6667% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 3,715 |
| Noncurrent loans to loans | 0.1491% | 3,688 |
| Net loans and leases to total assets | 76.5972% | 725 |
| Net loans and leases to deposits | 88.2618% | 1,064 |
| Net loans and leases to core deposits | 91.7319% | 1,405 |
| Total domestic deposits to total assets | 86.7841% | 2,044 |
| Equity capital to assets | 8.2556% | 4,599 |
| Core capital (leverage) ratio | 8.3485% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,490,600 | 2,700 |
| Average earning assets | $215,289,200 | 2,707 |
| Average equity | $21,012,200 | 3,095 |
| Average total loans | $179,914,600 | 2,413 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5993% | 188 |
| Cost of funding earning assets | 0.4938% | 3,264 |
| Net interest margin | 5.1055% | 117 |
| Noninterest income to average assets | 0.4314% | 2,927 |
| Noninterest expense to average assets | 3.4897% | 720 |
| Loan and lease loss provision to assets | 0.2076% | 1,934 |
| Net operating income to assets | 1.5669% | 781 |
| Return on assets (ROA) | 1.5693% | 853 |
| Pretax return on assets | 1.5693% | 1,275 |
| Return on Equity (ROE) | 16.9434% | 453 |
| Retained earnings to average equity (ytd only) | -0.7073% | 4,582 |
| Net charge-offs to loans | 0.0359% | 2,116 |
| Credit loss provision to net charge-offs | 748.9362% | 1,029 |
| Earnings coverage of net charge-offs (x) | 63.9787% | 1,055 |
| Efficiency ratio | 66.2892% | 2,436 |
| Assets per employee ($millions) | 4.1274% | 4,215 |
| Cash dividends to net income (ytd only)* | 104.1745% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,441 |
| Loan loss allowance to noncurrent loans | 2,640.8696% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 4,208 |
| Noncurrent loans to loans | 0.0561% | 4,149 |
| Net loans and leases to total assets | 81.5274% | 477 |
| Net loans and leases to deposits | 97.1584% | 679 |
| Net loans and leases to core deposits | 100.1886% | 1,150 |
| Total domestic deposits to total assets | 83.9119% | 2,848 |
| Equity capital to assets | 8.4299% | 4,500 |
| Core capital (leverage) ratio | 8.3493% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,914,750 | 2,725 |
| Average earning assets | $213,853,500 | 2,704 |
| Average equity | $20,924,000 | 3,098 |
| Average total loans | $174,575,750 | 2,448 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9844% | 149 |
| Cost of funding earning assets | 0.5148% | 3,440 |
| Net interest margin | 5.4696% | 94 |
| Noninterest income to average assets | 0.4125% | 3,006 |
| Noninterest expense to average assets | 3.6127% | 639 |
| Loan and lease loss provision to assets | 0.2415% | 1,741 |
| Net operating income to assets | 1.7277% | 593 |
| Return on assets (ROA) | 1.7314% | 638 |
| Pretax return on assets | 1.7314% | 927 |
| Return on Equity (ROE) | 18.0802% | 358 |
| Retained earnings to average equity (ytd only) | 9.7230% | 841 |
| Net charge-offs to loans | 0.0596% | 1,655 |
| Credit loss provision to net charge-offs | 538.7755% | 1,173 |
| Earnings coverage of net charge-offs (x) | 43.9388% | 1,181 |
| Efficiency ratio | 64.7223% | 2,709 |
| Assets per employee ($millions) | 4.2685% | 4,038 |
| Cash dividends to net income (ytd only)* | 46.2229% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 1,166 |
| Loan loss allowance to noncurrent loans | 1,099.6269% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,996 |
| Noncurrent loans to loans | 0.1395% | 3,898 |
| Net loans and leases to total assets | 75.1375% | 1,256 |
| Net loans and leases to deposits | 89.7512% | 1,377 |
| Net loans and leases to core deposits | 94.5657% | 1,699 |
| Total domestic deposits to total assets | 83.7175% | 2,843 |
| Equity capital to assets | 8.7464% | 4,315 |
| Core capital (leverage) ratio | 9.1449% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,672,000 | 2,764 |
| Average earning assets | $206,671,333 | 2,735 |
| Average equity | $20,940,000 | 3,082 |
| Average total loans | $164,456,333 | 2,526 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5301% | 350 |
| Cost of funding earning assets | 0.5465% | 3,711 |
| Net interest margin | 4.9836% | 201 |
| Noninterest income to average assets | 0.4691% | 2,704 |
| Noninterest expense to average assets | 3.4698% | 979 |
| Loan and lease loss provision to assets | 0.2613% | 1,193 |
| Net operating income to assets | 1.4311% | 923 |
| Return on assets (ROA) | 1.4311% | 993 |
| Pretax return on assets | 1.4311% | 1,479 |
| Return on Equity (ROE) | 14.1789% | 660 |
| Retained earnings to average equity (ytd only) | 0.4118% | 3,901 |
| Net charge-offs to loans | -0.0027% | 3,706 |
| Credit loss provision to net charge-offs | -13,200.0000% | 3,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2163% | 2,786 |
| Assets per employee ($millions) | 3.8257% | 4,140 |
| Cash dividends to net income (ytd only)* | 97.0954% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 613 |
| Loan loss allowance to noncurrent loans | 1,208.4388% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 4,057 |
| Noncurrent loans to loans | 0.1568% | 3,897 |
| Net loans and leases to total assets | 70.4751% | 2,178 |
| Net loans and leases to deposits | 84.1432% | 2,205 |
| Net loans and leases to core deposits | 87.8728% | 2,532 |
| Total domestic deposits to total assets | 83.7562% | 2,867 |
| Equity capital to assets | 9.8464% | 3,921 |
| Core capital (leverage) ratio | 10.2008% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,087,500 | 2,847 |
| Average earning assets | $190,303,500 | 2,827 |
| Average equity | $20,396,500 | 3,131 |
| Average total loans | $150,597,500 | 2,635 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7640% | 351 |
| Cost of funding earning assets | 0.5671% | 3,791 |
| Net interest margin | 5.1969% | 197 |
| Noninterest income to average assets | 0.5633% | 2,405 |
| Noninterest expense to average assets | 3.6253% | 831 |
| Loan and lease loss provision to assets | 0.2546% | 710 |
| Net operating income to assets | 1.5589% | 919 |
| Return on assets (ROA) | 1.5589% | 978 |
| Pretax return on assets | 1.5589% | 1,621 |
| Return on Equity (ROE) | 15.5192% | 604 |
| Retained earnings to average equity (ytd only) | 5.8666% | 1,937 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6569% | 2,670 |
| Assets per employee ($millions) | 3.5230% | 4,461 |
| Cash dividends to net income (ytd only)* | 62.1980% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8201% | 633 |
| Loan loss allowance to noncurrent loans | 1,484.2391% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 4,150 |
| Noncurrent loans to loans | 0.1226% | 4,037 |
| Net loans and leases to total assets | 76.0269% | 1,410 |
| Net loans and leases to deposits | 90.1459% | 1,572 |
| Net loans and leases to core deposits | 93.8825% | 2,074 |
| Total domestic deposits to total assets | 84.3376% | 2,738 |
| Equity capital to assets | 10.3606% | 3,579 |
| Core capital (leverage) ratio | 10.3101% | 3,180 |
| Tier 1 risk-based capital ratio | 12.9164% | 3,830 |
| Total risk-based capital ratio | 14.1727% | 3,710 |
| Memoranda: | ||
| Average total assets | $188,534,800 | 2,931 |
| Average earning assets | $176,873,600 | 2,916 |
| Average equity | $18,937,800 | 3,231 |
| Average total loans | $142,755,400 | 2,693 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 460 |
| Cost of funding earning assets | 0.5544% | 3,902 |
| Net interest margin | 5.0849% | 243 |
| Noninterest income to average assets | 0.5733% | 2,341 |
| Noninterest expense to average assets | 3.4282% | 1,045 |
| Loan and lease loss provision to assets | 0.2564% | 629 |
| Net operating income to assets | 1.6571% | 817 |
| Return on assets (ROA) | 1.6571% | 857 |
| Pretax return on assets | 1.6571% | 1,448 |
| Return on Equity (ROE) | 16.6327% | 523 |
| Retained earnings to average equity (ytd only) | 4.6746% | 3,070 |
| Net charge-offs to loans | 0.1760% | 960 |
| Credit loss provision to net charge-offs | 193.5484% | 1,356 |
| Earnings coverage of net charge-offs (x) | 14.4465% | 2,245 |
| Efficiency ratio | 64.1781% | 2,977 |
| Assets per employee ($millions) | 3.8923% | 4,039 |
| Cash dividends to net income (ytd only)* | 71.8951% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 818 |
| Loan loss allowance to noncurrent loans | 1,283.0688% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 3,922 |
| Noncurrent loans to loans | 0.1326% | 4,058 |
| Net loans and leases to total assets | 72.0044% | 2,174 |
| Net loans and leases to deposits | 85.3379% | 2,279 |
| Net loans and leases to core deposits | 89.8269% | 2,557 |
| Total domestic deposits to total assets | 84.3757% | 2,687 |
| Equity capital to assets | 10.0877% | 3,932 |
| Core capital (leverage) ratio | 10.2596% | 3,354 |
| Tier 1 risk-based capital ratio | 12.8233% | 3,942 |
| Total risk-based capital ratio | 14.0773% | 3,840 |
| Memoranda: | ||
| Average total assets | $187,227,750 | 2,965 |
| Average earning assets | $175,573,000 | 2,953 |
| Average equity | $18,653,500 | 3,286 |
| Average total loans | $140,933,500 | 2,739 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6427% | 444 |
| Cost of funding earning assets | 0.5322% | 3,970 |
| Net interest margin | 5.1105% | 233 |
| Noninterest income to average assets | 0.5185% | 2,577 |
| Noninterest expense to average assets | 3.4281% | 1,055 |
| Loan and lease loss provision to assets | 0.2598% | 584 |
| Net operating income to assets | 1.6432% | 825 |
| Return on assets (ROA) | 1.6432% | 860 |
| Pretax return on assets | 1.6432% | 1,422 |
| Return on Equity (ROE) | 16.5654% | 514 |
| Retained earnings to average equity (ytd only) | 3.0774% | 3,680 |
| Net charge-offs to loans | 0.2564% | 655 |
| Credit loss provision to net charge-offs | 133.3333% | 1,630 |
| Earnings coverage of net charge-offs (x) | 9.7667% | 2,320 |
| Efficiency ratio | 64.3046% | 3,084 |
| Assets per employee ($millions) | 3.9378% | 3,955 |
| Cash dividends to net income (ytd only)* | 81.4229% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 1,066 |
| Loan loss allowance to noncurrent loans | 4,622.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 4,301 |
| Noncurrent loans to loans | 0.0342% | 4,542 |
| Net loans and leases to total assets | 74.4759% | 1,807 |
| Net loans and leases to deposits | 88.6918% | 1,911 |
| Net loans and leases to core deposits | 92.3731% | 2,381 |
| Total domestic deposits to total assets | 83.9716% | 2,881 |
| Equity capital to assets | 9.9590% | 4,007 |
| Core capital (leverage) ratio | 10.3400% | 3,251 |
| Tier 1 risk-based capital ratio | 12.7352% | 3,990 |
| Total risk-based capital ratio | 13.9888% | 3,891 |
| Memoranda: | ||
| Average total assets | $184,766,000 | 3,007 |
| Average earning assets | $173,994,000 | 2,985 |
| Average equity | $18,327,330 | 3,314 |
| Average total loans | $140,393,000 | 2,760 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 407 |
| Cost of funding earning assets | 0.5176% | 3,988 |
| Net interest margin | 5.1125% | 237 |
| Noninterest income to average assets | 0.4937% | 2,595 |
| Noninterest expense to average assets | 3.4515% | 1,037 |
| Loan and lease loss provision to assets | 0.2657% | 529 |
| Net operating income to assets | 1.5874% | 921 |
| Return on assets (ROA) | 1.5874% | 948 |
| Pretax return on assets | 1.5874% | 1,504 |
| Return on Equity (ROE) | 16.0376% | 588 |
| Retained earnings to average equity (ytd only) | 6.1735% | 2,380 |
| Net charge-offs to loans | -0.0174% | 4,434 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0668% | 3,073 |
| Assets per employee ($millions) | 3.6187% | 4,444 |
| Cash dividends to net income (ytd only)* | 61.5063% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 855 |
| Loan loss allowance to noncurrent loans | 731.3846% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 3,936 |
| Noncurrent loans to loans | 0.2327% | 3,743 |
| Net loans and leases to total assets | 74.3941% | 1,732 |
| Net loans and leases to deposits | 88.3275% | 1,831 |
| Net loans and leases to core deposits | 92.3024% | 2,273 |
| Total domestic deposits to total assets | 84.2253% | 2,972 |
| Equity capital to assets | 9.9374% | 3,883 |
| Core capital (leverage) ratio | 10.2997% | 3,274 |
| Tier 1 risk-based capital ratio | 12.6293% | 4,080 |
| Total risk-based capital ratio | 13.8842% | 3,961 |
| Memoranda: | ||
| Average total assets | $180,673,500 | 3,078 |
| Average earning assets | $170,014,000 | 3,055 |
| Average equity | $17,883,000 | 3,360 |
| Average total loans | $137,583,000 | 2,821 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3835% | 495 |
| Cost of funding earning assets | 0.4733% | 3,531 |
| Net interest margin | 4.9102% | 318 |
| Noninterest income to average assets | 0.6586% | 2,017 |
| Noninterest expense to average assets | 3.3890% | 1,172 |
| Loan and lease loss provision to assets | 0.2863% | 567 |
| Net operating income to assets | 1.5815% | 922 |
| Return on assets (ROA) | 1.5815% | 912 |
| Pretax return on assets | 1.5815% | 1,523 |
| Return on Equity (ROE) | 15.8204% | 666 |
| Retained earnings to average equity (ytd only) | 6.3795% | 1,985 |
| Net charge-offs to loans | 0.0181% | 3,096 |
| Credit loss provision to net charge-offs | 2,086.9565% | 215 |
| Earnings coverage of net charge-offs (x) | 136.1304% | 595 |
| Efficiency ratio | 64.4689% | 3,123 |
| Assets per employee ($millions) | 3.3357% | 4,713 |
| Cash dividends to net income (ytd only)* | 59.6756% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 899 |
| Loan loss allowance to noncurrent loans | 564.1604% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 3,700 |
| Noncurrent loans to loans | 0.2945% | 3,507 |
| Net loans and leases to total assets | 75.3654% | 1,719 |
| Net loans and leases to deposits | 89.4432% | 1,872 |
| Net loans and leases to core deposits | 93.4893% | 2,273 |
| Total domestic deposits to total assets | 84.2606% | 2,919 |
| Equity capital to assets | 9.8568% | 3,808 |
| Core capital (leverage) ratio | 10.0058% | 3,568 |
| Tier 1 risk-based capital ratio | 12.2924% | 4,236 |
| Total risk-based capital ratio | 13.5463% | 4,124 |
| Memoranda: | ||
| Average total assets | $167,630,400 | 3,193 |
| Average earning assets | $156,979,200 | 3,168 |
| Average equity | $16,756,800 | 3,428 |
| Average total loans | $127,329,600 | 2,909 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3326% | 498 |
| Cost of funding earning assets | 0.4576% | 3,474 |
| Net interest margin | 4.8750% | 329 |
| Noninterest income to average assets | 1.7942% | 326 |
| Noninterest expense to average assets | 4.4392% | 311 |
| Loan and lease loss provision to assets | 0.2903% | 515 |
| Net operating income to assets | 1.6265% | 905 |
| Return on assets (ROA) | 1.6265% | 910 |
| Pretax return on assets | 1.6265% | 1,496 |
| Return on Equity (ROE) | 16.2107% | 664 |
| Retained earnings to average equity (ytd only) | 7.2333% | 2,008 |
| Net charge-offs to loans | 0.0064% | 3,204 |
| Credit loss provision to net charge-offs | 6,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 396.1563% | 238 |
| Efficiency ratio | 69.8427% | 2,217 |
| Assets per employee ($millions) | 3.5285% | 4,521 |
| Cash dividends to net income (ytd only)* | 55.3793% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 975 |
| Loan loss allowance to noncurrent loans | 669.1589% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,009 |
| Noncurrent loans to loans | 0.2458% | 3,812 |
| Net loans and leases to total assets | 74.2760% | 1,935 |
| Net loans and leases to deposits | 88.0960% | 2,141 |
| Net loans and leases to core deposits | 91.6697% | 2,516 |
| Total domestic deposits to total assets | 84.3126% | 2,851 |
| Equity capital to assets | 9.7555% | 3,865 |
| Core capital (leverage) ratio | 10.0417% | 3,588 |
| Tier 1 risk-based capital ratio | 12.3824% | 4,261 |
| Total risk-based capital ratio | 13.6360% | 4,154 |
| Memoranda: | ||
| Average total assets | $165,340,000 | 3,241 |
| Average earning assets | $154,717,500 | 3,214 |
| Average equity | $16,589,500 | 3,473 |
| Average total loans | $125,289,250 | 2,965 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 443 |
| Cost of funding earning assets | 0.4380% | 3,434 |
| Net interest margin | 4.8894% | 311 |
| Noninterest income to average assets | 1.8511% | 303 |
| Noninterest expense to average assets | 4.4122% | 321 |
| Loan and lease loss provision to assets | 0.2948% | 470 |
| Net operating income to assets | 1.7234% | 693 |
| Return on assets (ROA) | 1.7234% | 692 |
| Pretax return on assets | 1.7234% | 1,159 |
| Return on Equity (ROE) | 17.0092% | 523 |
| Retained earnings to average equity (ytd only) | 6.5466% | 2,285 |
| Net charge-offs to loans | 0.0178% | 2,551 |
| Credit loss provision to net charge-offs | 2,181.8182% | 193 |
| Earnings coverage of net charge-offs (x) | 149.3636% | 521 |
| Efficiency ratio | 68.6151% | 2,542 |
| Assets per employee ($millions) | 3.5993% | 4,471 |
| Cash dividends to net income (ytd only)* | 61.5110% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 998 |
| Loan loss allowance to noncurrent loans | 513.4518% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 3,838 |
| Noncurrent loans to loans | 0.3204% | 3,561 |
| Net loans and leases to total assets | 71.4907% | 2,364 |
| Net loans and leases to deposits | 85.1568% | 2,413 |
| Net loans and leases to core deposits | 91.6704% | 2,426 |
| Total domestic deposits to total assets | 83.9519% | 3,084 |
| Equity capital to assets | 9.9689% | 3,654 |
| Core capital (leverage) ratio | 10.4046% | 3,134 |
| Tier 1 risk-based capital ratio | 13.2323% | 3,775 |
| Total risk-based capital ratio | 14.4863% | 3,691 |
| Memoranda: | ||
| Average total assets | $162,821,000 | 3,285 |
| Average earning assets | $152,494,670 | 3,258 |
| Average equity | $16,497,000 | 3,503 |
| Average total loans | $123,529,330 | 2,998 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 323 |
| Cost of funding earning assets | 0.4408% | 3,276 |
| Net interest margin | 4.9728% | 240 |
| Noninterest income to average assets | 1.6486% | 362 |
| Noninterest expense to average assets | 4.5300% | 286 |
| Loan and lease loss provision to assets | 0.3007% | 429 |
| Net operating income to assets | 1.4532% | 1,187 |
| Return on assets (ROA) | 1.4532% | 1,192 |
| Pretax return on assets | 1.4532% | 1,825 |
| Return on Equity (ROE) | 14.2214% | 960 |
| Retained earnings to average equity (ytd only) | 8.4347% | 1,681 |
| Net charge-offs to loans | 0.0065% | 2,502 |
| Credit loss provision to net charge-offs | 6,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 350.0000% | 194 |
| Efficiency ratio | 72.0893% | 2,184 |
| Assets per employee ($millions) | 3.4010% | 4,793 |
| Cash dividends to net income (ytd only)* | 40.6897% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,297 |
| Loan loss allowance to noncurrent loans | 122.3289% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 1,607 |
| Noncurrent loans to loans | 1.2641% | 1,426 |
| Net loans and leases to total assets | 76.1544% | 1,513 |
| Net loans and leases to deposits | 91.4117% | 1,515 |
| Net loans and leases to core deposits | 100.0937% | 1,681 |
| Total domestic deposits to total assets | 83.3092% | 3,579 |
| Equity capital to assets | 10.3028% | 3,280 |
| Core capital (leverage) ratio | 10.4596% | 2,997 |
| Tier 1 risk-based capital ratio | 13.1550% | 3,874 |
| Total risk-based capital ratio | 14.4108% | 3,773 |
| Memoranda: | ||
| Average total assets | $159,648,500 | 3,360 |
| Average earning assets | $148,809,000 | 3,352 |
| Average equity | $16,313,500 | 3,551 |
| Average total loans | $123,813,500 | 3,016 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3163% | 352 |
| Cost of funding earning assets | 0.3899% | 3,334 |
| Net interest margin | 4.9264% | 270 |
| Noninterest income to average assets | 1.2828% | 646 |
| Noninterest expense to average assets | 4.3055% | 375 |
| Loan and lease loss provision to assets | 0.2779% | 640 |
| Net operating income to assets | 1.3384% | 1,145 |
| Return on assets (ROA) | 1.3384% | 1,170 |
| Pretax return on assets | 1.3384% | 2,220 |
| Return on Equity (ROE) | 14.1415% | 740 |
| Retained earnings to average equity (ytd only) | 4.4529% | 2,479 |
| Net charge-offs to loans | 0.2782% | 937 |
| Credit loss provision to net charge-offs | 127.6596% | 2,061 |
| Earnings coverage of net charge-offs (x) | 7.4255% | 3,044 |
| Efficiency ratio | 72.7070% | 2,120 |
| Assets per employee ($millions) | 3.3218% | 4,916 |
| Cash dividends to net income (ytd only)* | 68.5121% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,594 |
| Loan loss allowance to noncurrent loans | 1,237.2414% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,669 |
| Noncurrent loans to loans | 0.1170% | 4,457 |
| Net loans and leases to total assets | 76.6325% | 1,489 |
| Net loans and leases to deposits | 91.9011% | 1,538 |
| Net loans and leases to core deposits | 102.0342% | 1,551 |
| Total domestic deposits to total assets | 83.3858% | 3,430 |
| Equity capital to assets | 10.1337% | 3,555 |
| Core capital (leverage) ratio | 10.4133% | 2,951 |
| Tier 1 risk-based capital ratio | 12.9682% | 3,924 |
| Total risk-based capital ratio | 14.2228% | 3,824 |
| Memoranda: | ||
| Average total assets | $151,153,800 | 3,457 |
| Average earning assets | $142,336,000 | 3,421 |
| Average equity | $14,305,400 | 3,810 |
| Average total loans | $118,272,200 | 3,083 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 328 |
| Cost of funding earning assets | 0.3924% | 3,275 |
| Net interest margin | 4.9379% | 256 |
| Noninterest income to average assets | 1.2995% | 633 |
| Noninterest expense to average assets | 4.3868% | 344 |
| Loan and lease loss provision to assets | 0.2683% | 618 |
| Net operating income to assets | 1.2923% | 1,365 |
| Return on assets (ROA) | 1.2923% | 1,398 |
| Pretax return on assets | 1.2923% | 2,528 |
| Return on Equity (ROE) | 13.9184% | 850 |
| Retained earnings to average equity (ytd only) | 1.4930% | 4,822 |
| Net charge-offs to loans | -0.0091% | 4,613 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7594% | 1,932 |
| Assets per employee ($millions) | 3.1914% | 5,079 |
| Cash dividends to net income (ytd only)* | 89.2734% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 1,047 |
| Loan loss allowance to noncurrent loans | 547.9564% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 4,101 |
| Noncurrent loans to loans | 0.3089% | 3,835 |
| Net loans and leases to total assets | 76.2434% | 1,546 |
| Net loans and leases to deposits | 90.6660% | 1,730 |
| Net loans and leases to core deposits | 100.4636% | 1,665 |
| Total domestic deposits to total assets | 84.0926% | 3,089 |
| Equity capital to assets | 9.1006% | 4,818 |
| Core capital (leverage) ratio | 9.0831% | 4,649 |
| Tier 1 risk-based capital ratio | 11.3809% | 5,027 |
| Total risk-based capital ratio | 12.6380% | 4,912 |
| Memoranda: | ||
| Average total assets | $149,080,250 | 3,514 |
| Average earning assets | $140,326,250 | 3,476 |
| Average equity | $13,842,250 | 3,903 |
| Average total loans | $116,844,500 | 3,123 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3121% | 323 |
| Cost of funding earning assets | 0.3916% | 3,151 |
| Net interest margin | 4.9205% | 256 |
| Noninterest income to average assets | 1.3147% | 606 |
| Noninterest expense to average assets | 4.1581% | 436 |
| Loan and lease loss provision to assets | 0.2437% | 691 |
| Net operating income to assets | 1.5571% | 775 |
| Return on assets (ROA) | 1.5571% | 795 |
| Pretax return on assets | 1.5571% | 1,467 |
| Return on Equity (ROE) | 16.6554% | 442 |
| Retained earnings to average equity (ytd only) | 8.8636% | 880 |
| Net charge-offs to loans | -0.0052% | 4,346 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7796% | 2,707 |
| Assets per employee ($millions) | 3.2171% | 5,069 |
| Cash dividends to net income (ytd only)* | 46.7826% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,334 |
| Loan loss allowance to noncurrent loans | 571.5152% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,306 |
| Noncurrent loans to loans | 0.2746% | 4,062 |
| Net loans and leases to total assets | 76.6050% | 1,447 |
| Net loans and leases to deposits | 91.0375% | 1,607 |
| Net loans and leases to core deposits | 103.2405% | 1,419 |
| Total domestic deposits to total assets | 84.1467% | 3,143 |
| Equity capital to assets | 9.0732% | 4,829 |
| Core capital (leverage) ratio | 9.2695% | 4,400 |
| Tier 1 risk-based capital ratio | 11.1888% | 5,146 |
| Total risk-based capital ratio | 12.4445% | 5,039 |
| Memoranda: | ||
| Average total assets | $147,711,330 | 3,552 |
| Average earning assets | $139,416,330 | 3,508 |
| Average equity | $13,809,330 | 3,916 |
| Average total loans | $116,190,670 | 3,140 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 345 |
| Cost of funding earning assets | 0.3596% | 3,426 |
| Net interest margin | 4.8964% | 262 |
| Noninterest income to average assets | 1.3633% | 567 |
| Noninterest expense to average assets | 4.2811% | 392 |
| Loan and lease loss provision to assets | 0.1663% | 1,076 |
| Net operating income to assets | 1.5573% | 736 |
| Return on assets (ROA) | 1.5573% | 756 |
| Pretax return on assets | 1.5573% | 1,352 |
| Return on Equity (ROE) | 16.3986% | 474 |
| Retained earnings to average equity (ytd only) | 4.6103% | 3,117 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2967% | 2,687 |
| Assets per employee ($millions) | 3.3428% | 5,002 |
| Cash dividends to net income (ytd only)* | 71.8861% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4981% | 1,694 |
| Loan loss allowance to noncurrent loans | 587.6667% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 4,422 |
| Noncurrent loans to loans | 0.2549% | 4,199 |
| Net loans and leases to total assets | 78.8158% | 1,013 |
| Net loans and leases to deposits | 96.5365% | 891 |
| Net loans and leases to core deposits | 107.5233% | 995 |
| Total domestic deposits to total assets | 81.6434% | 4,265 |
| Equity capital to assets | 9.3601% | 4,432 |
| Core capital (leverage) ratio | 9.5988% | 4,007 |
| Tier 1 risk-based capital ratio | 11.4562% | 5,057 |
| Total risk-based capital ratio | 12.7124% | 4,950 |
| Memoranda: | ||
| Average total assets | $144,356,000 | 3,628 |
| Average earning assets | $136,834,500 | 3,578 |
| Average equity | $13,708,500 | 3,959 |
| Average total loans | $114,195,500 | 3,188 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 270 |
| Cost of funding earning assets | 0.3413% | 3,617 |
| Net interest margin | 5.0944% | 209 |
| Noninterest income to average assets | 1.1588% | 848 |
| Noninterest expense to average assets | 4.0944% | 534 |
| Loan and lease loss provision to assets | 0.1726% | 1,406 |
| Net operating income to assets | 1.6911% | 558 |
| Return on assets (ROA) | 1.6911% | 584 |
| Pretax return on assets | 1.6911% | 1,021 |
| Return on Equity (ROE) | 18.0999% | 323 |
| Retained earnings to average equity (ytd only) | 8.7382% | 640 |
| Net charge-offs to loans | 0.1036% | 2,238 |
| Credit loss provision to net charge-offs | 218.1818% | 1,308 |
| Earnings coverage of net charge-offs (x) | 23.5545% | 1,673 |
| Efficiency ratio | 68.7191% | 3,123 |
| Assets per employee ($millions) | 3.2937% | 5,054 |
| Cash dividends to net income (ytd only)* | 51.7227% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,541 |
| Loan loss allowance to noncurrent loans | 2,051.8072% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 5,101 |
| Noncurrent loans to loans | 0.0750% | 4,943 |
| Net loans and leases to total assets | 76.9620% | 1,369 |
| Net loans and leases to deposits | 93.5294% | 1,243 |
| Net loans and leases to core deposits | 102.9924% | 1,359 |
| Total domestic deposits to total assets | 82.2864% | 3,998 |
| Equity capital to assets | 9.6377% | 4,130 |
| Core capital (leverage) ratio | 9.5968% | 3,968 |
| Tier 1 risk-based capital ratio | 11.7671% | 4,883 |
| Total risk-based capital ratio | 13.0223% | 4,780 |
| Memoranda: | ||
| Average total assets | $139,019,200 | 3,689 |
| Average earning assets | $130,966,200 | 3,635 |
| Average equity | $12,989,000 | 4,087 |
| Average total loans | $106,224,000 | 3,269 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 266 |
| Cost of funding earning assets | 0.3357% | 3,704 |
| Net interest margin | 5.1271% | 201 |
| Noninterest income to average assets | 1.1766% | 832 |
| Noninterest expense to average assets | 4.1936% | 484 |
| Loan and lease loss provision to assets | 0.1734% | 1,299 |
| Net operating income to assets | 1.6372% | 675 |
| Return on assets (ROA) | 1.6372% | 709 |
| Pretax return on assets | 1.6372% | 1,280 |
| Return on Equity (ROE) | 17.6647% | 382 |
| Retained earnings to average equity (ytd only) | 6.0615% | 2,155 |
| Net charge-offs to loans | 0.1408% | 1,585 |
| Credit loss provision to net charge-offs | 162.1622% | 1,686 |
| Earnings coverage of net charge-offs (x) | 16.9275% | 2,083 |
| Efficiency ratio | 69.8443% | 2,905 |
| Assets per employee ($millions) | 3.1350% | 5,256 |
| Cash dividends to net income (ytd only)* | 65.6855% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.4717% | 1,617 |
| Net loans and leases to deposits | 89.1874% | 1,858 |
| Net loans and leases to core deposits | 96.4848% | 1,946 |
| Total domestic deposits to total assets | 84.6215% | 2,976 |
| Equity capital to assets | 9.3008% | 4,861 |
| Core capital (leverage) ratio | 9.2047% | 4,579 |
| Tier 1 risk-based capital ratio | 11.1821% | 5,269 |
| Total risk-based capital ratio | 12.4364% | 5,173 |
| Memoranda: | ||
| Average total assets | $138,366,250 | 3,722 |
| Average earning assets | $130,284,500 | 3,668 |
| Average equity | $12,823,750 | 4,153 |
| Average total loans | $105,103,750 | 3,304 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 273 |
| Cost of funding earning assets | 0.3372% | 3,728 |
| Net interest margin | 5.1148% | 205 |
| Noninterest income to average assets | 1.1814% | 809 |
| Noninterest expense to average assets | 4.1931% | 496 |
| Loan and lease loss provision to assets | 0.1746% | 1,262 |
| Net operating income to assets | 1.6252% | 679 |
| Return on assets (ROA) | 1.6252% | 723 |
| Pretax return on assets | 1.6252% | 1,291 |
| Return on Equity (ROE) | 17.5564% | 393 |
| Retained earnings to average equity (ytd only) | 6.4127% | 1,913 |
| Net charge-offs to loans | 0.0019% | 3,645 |
| Credit loss provision to net charge-offs | 12,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,237.0000% | 36 |
| Efficiency ratio | 69.9684% | 2,990 |
| Assets per employee ($millions) | 2.8629% | 5,564 |
| Cash dividends to net income (ytd only)* | 63.4736% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 4,858 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 75.5838% | 1,556 |
| Net loans and leases to deposits | 88.8558% | 1,881 |
| Net loans and leases to core deposits | 95.5225% | 2,016 |
| Total domestic deposits to total assets | 85.0634% | 2,845 |
| Equity capital to assets | 9.2066% | 5,064 |
| Core capital (leverage) ratio | 9.2540% | 4,517 |
| Tier 1 risk-based capital ratio | 11.3854% | 5,228 |
| Total risk-based capital ratio | 12.6412% | 5,115 |
| Memoranda: | ||
| Average total assets | $137,463,670 | 3,762 |
| Average earning assets | $129,312,000 | 3,706 |
| Average equity | $12,724,670 | 4,197 |
| Average total loans | $104,100,670 | 3,337 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4667% | 271 |
| Cost of funding earning assets | 0.3425% | 3,687 |
| Net interest margin | 5.1243% | 198 |
| Noninterest income to average assets | 1.2201% | 726 |
| Noninterest expense to average assets | 4.2600% | 471 |
| Loan and lease loss provision to assets | 0.1764% | 1,156 |
| Net operating income to assets | 1.5788% | 734 |
| Return on assets (ROA) | 1.5788% | 770 |
| Pretax return on assets | 1.5788% | 1,352 |
| Return on Equity (ROE) | 17.0078% | 438 |
| Retained earnings to average equity (ytd only) | 10.3567% | 774 |
| Net charge-offs to loans | 0.0117% | 2,733 |
| Credit loss provision to net charge-offs | 2,000.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 199.0000% | 304 |
| Efficiency ratio | 70.8211% | 2,983 |
| Assets per employee ($millions) | 3.0357% | 5,470 |
| Cash dividends to net income (ytd only)* | 39.1061% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 1,636 |
| Loan loss allowance to noncurrent loans | 27,166.6667% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 4,897 |
| Noncurrent loans to loans | 0.0058% | 5,503 |
| Net loans and leases to total assets | 72.3144% | 1,983 |
| Net loans and leases to deposits | 84.7577% | 2,220 |
| Net loans and leases to core deposits | 92.2404% | 2,165 |
| Total domestic deposits to total assets | 85.3190% | 2,996 |
| Equity capital to assets | 9.1569% | 5,034 |
| Core capital (leverage) ratio | 9.4234% | 4,323 |
| Tier 1 risk-based capital ratio | 12.0886% | 4,862 |
| Total risk-based capital ratio | 13.3453% | 4,759 |
| Memoranda: | ||
| Average total assets | $136,055,500 | 3,804 |
| Average earning assets | $127,315,500 | 3,761 |
| Average equity | $12,629,500 | 4,219 |
| Average total loans | $102,290,500 | 3,384 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1766% | 450 |
| Cost of funding earning assets | 0.3364% | 3,831 |
| Net interest margin | 4.8402% | 337 |
| Noninterest income to average assets | 1.0786% | 1,014 |
| Noninterest expense to average assets | 4.1241% | 585 |
| Loan and lease loss provision to assets | 0.1813% | 1,249 |
| Net operating income to assets | 1.3483% | 1,157 |
| Return on assets (ROA) | 1.3483% | 1,195 |
| Pretax return on assets | 1.3483% | 2,102 |
| Return on Equity (ROE) | 14.4687% | 771 |
| Retained earnings to average equity (ytd only) | 4.0610% | 3,121 |
| Net charge-offs to loans | 0.0887% | 2,554 |
| Credit loss provision to net charge-offs | 272.7273% | 1,063 |
| Earnings coverage of net charge-offs (x) | 23.0114% | 1,747 |
| Efficiency ratio | 72.9459% | 2,753 |
| Assets per employee ($millions) | 2.8185% | 5,684 |
| Cash dividends to net income (ytd only)* | 71.9328% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 1,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 4,914 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 75.7889% | 1,452 |
| Net loans and leases to deposits | 89.7483% | 1,642 |
| Net loans and leases to core deposits | 98.4680% | 1,638 |
| Total domestic deposits to total assets | 84.4461% | 3,312 |
| Equity capital to assets | 9.4151% | 4,653 |
| Core capital (leverage) ratio | 9.2507% | 4,545 |
| Tier 1 risk-based capital ratio | 11.9515% | 4,983 |
| Total risk-based capital ratio | 13.2081% | 4,879 |
| Memoranda: | ||
| Average total assets | $132,393,800 | 3,843 |
| Average earning assets | $125,140,000 | 3,788 |
| Average equity | $12,337,000 | 4,236 |
| Average total loans | $99,245,200 | 3,398 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 455 |
| Cost of funding earning assets | 0.3339% | 3,934 |
| Net interest margin | 4.8412% | 341 |
| Noninterest income to average assets | 1.0948% | 1,008 |
| Noninterest expense to average assets | 4.1437% | 566 |
| Loan and lease loss provision to assets | 0.1813% | 1,145 |
| Net operating income to assets | 1.3406% | 1,247 |
| Return on assets (ROA) | 1.3406% | 1,292 |
| Pretax return on assets | 1.3406% | 2,245 |
| Return on Equity (ROE) | 14.4240% | 824 |
| Retained earnings to average equity (ytd only) | 1.5497% | 5,090 |
| Net charge-offs to loans | 0.1150% | 1,978 |
| Credit loss provision to net charge-offs | 211.7647% | 1,280 |
| Earnings coverage of net charge-offs (x) | 17.7766% | 2,044 |
| Efficiency ratio | 73.1378% | 2,694 |
| Assets per employee ($millions) | 2.8965% | 5,655 |
| Cash dividends to net income (ytd only)* | 89.2563% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 2,201 |
| Loan loss allowance to noncurrent loans | 1,850.0000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 4,853 |
| Noncurrent loans to loans | 0.0805% | 5,305 |
| Net loans and leases to total assets | 73.6699% | 1,793 |
| Net loans and leases to deposits | 87.0409% | 2,021 |
| Net loans and leases to core deposits | 95.1618% | 1,965 |
| Total domestic deposits to total assets | 84.6383% | 3,163 |
| Equity capital to assets | 9.3244% | 4,976 |
| Core capital (leverage) ratio | 9.3414% | 4,524 |
| Tier 1 risk-based capital ratio | 12.3398% | 4,860 |
| Total risk-based capital ratio | 13.5957% | 4,766 |
| Memoranda: | ||
| Average total assets | $132,375,250 | 3,888 |
| Average earning assets | $124,980,750 | 3,832 |
| Average equity | $12,303,250 | 4,298 |
| Average total loans | $98,564,250 | 3,439 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1389% | 464 |
| Cost of funding earning assets | 0.3192% | 4,168 |
| Net interest margin | 4.8197% | 348 |
| Noninterest income to average assets | 1.1364% | 932 |
| Noninterest expense to average assets | 3.7950% | 870 |
| Loan and lease loss provision to assets | 0.1830% | 1,117 |
| Net operating income to assets | 1.7190% | 609 |
| Return on assets (ROA) | 1.7190% | 634 |
| Pretax return on assets | 1.7190% | 1,047 |
| Return on Equity (ROE) | 18.5164% | 375 |
| Retained earnings to average equity (ytd only) | 3.8774% | 3,535 |
| Net charge-offs to loans | 0.1744% | 1,416 |
| Credit loss provision to net charge-offs | 141.1765% | 1,592 |
| Earnings coverage of net charge-offs (x) | 14.6706% | 2,042 |
| Efficiency ratio | 66.6131% | 3,897 |
| Assets per employee ($millions) | 2.8511% | 5,767 |
| Cash dividends to net income (ytd only)* | 79.0594% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 2,582 |
| Loan loss allowance to noncurrent loans | 1,733.3333% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 4,946 |
| Noncurrent loans to loans | 0.0828% | 5,405 |
| Net loans and leases to total assets | 74.6157% | 1,566 |
| Net loans and leases to deposits | 88.0703% | 1,829 |
| Net loans and leases to core deposits | 95.6704% | 1,832 |
| Total domestic deposits to total assets | 84.7228% | 3,244 |
| Equity capital to assets | 9.1572% | 5,077 |
| Core capital (leverage) ratio | 9.2060% | 4,682 |
| Tier 1 risk-based capital ratio | 11.9816% | 5,170 |
| Total risk-based capital ratio | 13.2348% | 5,064 |
| Memoranda: | ||
| Average total assets | $131,121,330 | 3,945 |
| Average earning assets | $124,074,000 | 3,879 |
| Average equity | $12,173,000 | 4,352 |
| Average total loans | $97,482,670 | 3,481 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0647% | 516 |
| Cost of funding earning assets | 0.2796% | 4,675 |
| Net interest margin | 4.7851% | 363 |
| Noninterest income to average assets | 1.1258% | 884 |
| Noninterest expense to average assets | 3.8556% | 822 |
| Loan and lease loss provision to assets | 0.1851% | 1,027 |
| Net operating income to assets | 1.6255% | 686 |
| Return on assets (ROA) | 1.6255% | 716 |
| Pretax return on assets | 1.6255% | 1,206 |
| Return on Equity (ROE) | 17.3870% | 441 |
| Retained earnings to average equity (ytd only) | 7.2913% | 1,864 |
| Net charge-offs to loans | 0.0335% | 2,531 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 73.3750% | 631 |
| Efficiency ratio | 68.0457% | 3,816 |
| Assets per employee ($millions) | 2.8456% | 5,830 |
| Cash dividends to net income (ytd only)* | 58.0645% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 2,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 5,270 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 72.1103% | 1,788 |
| Net loans and leases to deposits | 84.4359% | 2,010 |
| Net loans and leases to core deposits | 90.1722% | 2,112 |
| Total domestic deposits to total assets | 85.4024% | 3,218 |
| Equity capital to assets | 9.1647% | 5,127 |
| Core capital (leverage) ratio | 9.3267% | 4,530 |
| Tier 1 risk-based capital ratio | 12.1703% | 5,133 |
| Total risk-based capital ratio | 13.4338% | 5,028 |
| Memoranda: | ||
| Average total assets | $129,680,000 | 3,995 |
| Average earning assets | $123,048,000 | 3,923 |
| Average equity | $12,124,000 | 4,394 |
| Average total loans | $95,502,000 | 3,532 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 560 |
| Cost of funding earning assets | 0.2997% | 4,802 |
| Net interest margin | 4.8638% | 383 |
| Noninterest income to average assets | 0.8251% | 1,775 |
| Noninterest expense to average assets | 3.8333% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5747% | 748 |
| Return on assets (ROA) | 1.5747% | 783 |
| Pretax return on assets | 1.5747% | 1,306 |
| Return on Equity (ROE) | 16.8257% | 508 |
| Retained earnings to average equity (ytd only) | 8.1760% | 963 |
| Net charge-offs to loans | 0.0022% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 959.0000% | 43 |
| Efficiency ratio | 70.8820% | 3,394 |
| Assets per employee ($millions) | 2.8550% | 5,883 |
| Cash dividends to net income (ytd only)* | 51.4077% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 2,357 |
| Loan loss allowance to noncurrent loans | 755.8511% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 4,725 |
| Noncurrent loans to loans | 0.2020% | 5,094 |
| Net loans and leases to total assets | 72.9738% | 1,762 |
| Net loans and leases to deposits | 84.4611% | 2,160 |
| Net loans and leases to core deposits | 90.7434% | 2,208 |
| Total domestic deposits to total assets | 86.3994% | 2,621 |
| Equity capital to assets | 9.5455% | 4,663 |
| Core capital (leverage) ratio | 9.4709% | 4,283 |
| Tier 1 risk-based capital ratio | 12.4144% | 5,080 |
| Total risk-based capital ratio | 13.6288% | 5,031 |
| Memoranda: | ||
| Average total assets | $121,799,600 | 4,144 |
| Average earning assets | $114,766,000 | 4,077 |
| Average equity | $11,399,200 | 4,480 |
| Average total loans | $89,937,400 | 3,629 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 592 |
| Cost of funding earning assets | 0.3060% | 4,830 |
| Net interest margin | 4.8337% | 398 |
| Noninterest income to average assets | 0.8231% | 1,806 |
| Noninterest expense to average assets | 3.7436% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6285% | 700 |
| Return on assets (ROA) | 1.6285% | 727 |
| Pretax return on assets | 1.6285% | 1,236 |
| Return on Equity (ROE) | 17.4909% | 494 |
| Retained earnings to average equity (ytd only) | 6.8020% | 1,921 |
| Net charge-offs to loans | 0.0030% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 737.0599% | 100 |
| Efficiency ratio | 69.6858% | 3,567 |
| Assets per employee ($millions) | 2.8059% | 5,954 |
| Cash dividends to net income (ytd only)* | 61.1113% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 2,650 |
| Loan loss allowance to noncurrent loans | 732.4742% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 4,929 |
| Noncurrent loans to loans | 0.2063% | 5,286 |
| Net loans and leases to total assets | 73.3491% | 1,620 |
| Net loans and leases to deposits | 84.1282% | 2,131 |
| Net loans and leases to core deposits | 90.5080% | 2,174 |
| Total domestic deposits to total assets | 87.1874% | 2,209 |
| Equity capital to assets | 9.1679% | 5,186 |
| Core capital (leverage) ratio | 9.3141% | 4,621 |
| Tier 1 risk-based capital ratio | 12.0078% | 5,479 |
| Total risk-based capital ratio | 13.2471% | 5,406 |
| Memoranda: | ||
| Average total assets | $120,844,750 | 4,201 |
| Average earning assets | $113,727,500 | 4,134 |
| Average equity | $11,251,250 | 4,542 |
| Average total loans | $89,149,250 | 3,679 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 613 |
| Cost of funding earning assets | 0.3141% | 4,836 |
| Net interest margin | 4.7921% | 418 |
| Noninterest income to average assets | 0.8300% | 1,738 |
| Noninterest expense to average assets | 3.7736% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5676% | 763 |
| Return on assets (ROA) | 1.5676% | 794 |
| Pretax return on assets | 1.5676% | 1,336 |
| Return on Equity (ROE) | 16.7459% | 579 |
| Retained earnings to average equity (ytd only) | 5.0076% | 2,954 |
| Net charge-offs to loans | 0.0206% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 103.6667% | 543 |
| Efficiency ratio | 70.6511% | 3,543 |
| Assets per employee ($millions) | 2.8205% | 6,004 |
| Cash dividends to net income (ytd only)* | 70.0965% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 2,668 |
| Loan loss allowance to noncurrent loans | 679.8077% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.3513% | 4,973 |
| Noncurrent loans to loans | 0.2279% | 5,319 |
| Net loans and leases to total assets | 72.4061% | 1,668 |
| Net loans and leases to deposits | 82.8960% | 2,149 |
| Net loans and leases to core deposits | 89.3298% | 2,184 |
| Total domestic deposits to total assets | 87.3457% | 2,282 |
| Equity capital to assets | 9.1007% | 5,206 |
| Core capital (leverage) ratio | 9.2089% | 4,728 |
| Tier 1 risk-based capital ratio | 11.7225% | 5,680 |
| Total risk-based capital ratio | 12.9754% | 5,626 |
| Memoranda: | ||
| Average total assets | $119,037,670 | 4,262 |
| Average earning assets | $112,059,330 | 4,185 |
| Average equity | $11,143,000 | 4,570 |
| Average total loans | $87,520,330 | 3,731 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 730 |
| Cost of funding earning assets | 0.3344% | 4,698 |
| Net interest margin | 4.6562% | 499 |
| Noninterest income to average assets | 0.5116% | 3,320 |
| Noninterest expense to average assets | 3.4642% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4454% | 905 |
| Return on assets (ROA) | 1.4454% | 937 |
| Pretax return on assets | 1.4454% | 1,594 |
| Return on Equity (ROE) | 15.2157% | 750 |
| Retained earnings to average equity (ytd only) | 4.5539% | 3,392 |
| Net charge-offs to loans | 0.0607% | 2,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 32.3846% | 1,002 |
| Efficiency ratio | 70.5594% | 3,734 |
| Assets per employee ($millions) | 2.6774% | 6,220 |
| Cash dividends to net income (ytd only)* | 70.0713% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 2,727 |
| Loan loss allowance to noncurrent loans | 655.8140% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 4,242 |
| Noncurrent loans to loans | 0.2432% | 5,379 |
| Net loans and leases to total assets | 73.8511% | 1,299 |
| Net loans and leases to deposits | 85.5947% | 1,646 |
| Net loans and leases to core deposits | 93.5847% | 1,586 |
| Total domestic deposits to total assets | 86.2800% | 3,220 |
| Equity capital to assets | 9.4477% | 4,567 |
| Core capital (leverage) ratio | 9.5671% | 4,182 |
| Tier 1 risk-based capital ratio | 11.6232% | 5,844 |
| Total risk-based capital ratio | 12.8755% | 5,794 |
| Memoranda: | ||
| Average total assets | $116,506,500 | 4,351 |
| Average earning assets | $110,046,000 | 4,272 |
| Average equity | $11,067,500 | 4,597 |
| Average total loans | $85,645,500 | 3,805 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,233 |
| Cost of funding earning assets | 0.3217% | 5,408 |
| Net interest margin | 4.5163% | 717 |
| Noninterest income to average assets | 0.5277% | 3,571 |
| Noninterest expense to average assets | 3.4049% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3397% | 1,157 |
| Return on assets (ROA) | 1.3397% | 1,195 |
| Pretax return on assets | 1.3397% | 2,009 |
| Return on Equity (ROE) | 14.1190% | 922 |
| Retained earnings to average equity (ytd only) | 4.8566% | 2,695 |
| Net charge-offs to loans | -0.1332% | 6,544 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7640% | 3,519 |
| Assets per employee ($millions) | 2.6183% | 6,299 |
| Cash dividends to net income (ytd only)* | 65.6021% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 2,345 |
| Loan loss allowance to noncurrent loans | 2,964.5833% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.5069% | 4,722 |
| Noncurrent loans to loans | 0.0579% | 6,060 |
| Net loans and leases to total assets | 70.7049% | 1,900 |
| Net loans and leases to deposits | 85.0468% | 1,803 |
| Net loans and leases to core deposits | 88.5999% | 2,177 |
| Total domestic deposits to total assets | 83.1364% | 4,498 |
| Equity capital to assets | 9.5524% | 4,344 |
| Core capital (leverage) ratio | 9.6718% | 4,024 |
| Tier 1 risk-based capital ratio | 12.6621% | 5,196 |
| Total risk-based capital ratio | 13.8877% | 5,158 |
| Memoranda: | ||
| Average total assets | $112,192,600 | 4,453 |
| Average earning assets | $104,755,000 | 4,392 |
| Average equity | $10,645,200 | 4,714 |
| Average total loans | $74,346,200 | 4,115 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 1,428 |
| Cost of funding earning assets | 0.3268% | 5,493 |
| Net interest margin | 4.4382% | 826 |
| Noninterest income to average assets | 0.5587% | 3,400 |
| Noninterest expense to average assets | 3.3716% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3149% | 1,311 |
| Return on assets (ROA) | 1.3149% | 1,369 |
| Pretax return on assets | 1.3149% | 2,282 |
| Return on Equity (ROE) | 13.8822% | 1,018 |
| Retained earnings to average equity (ytd only) | 2.5263% | 4,804 |
| Net charge-offs to loans | -0.1773% | 6,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9428% | 3,412 |
| Assets per employee ($millions) | 3.0019% | 5,847 |
| Cash dividends to net income (ytd only)* | 81.8017% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 2,152 |
| Loan loss allowance to noncurrent loans | 229.4023% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 3,628 |
| Noncurrent loans to loans | 0.8051% | 4,227 |
| Net loans and leases to total assets | 66.1571% | 2,613 |
| Net loans and leases to deposits | 78.6305% | 2,568 |
| Net loans and leases to core deposits | 81.1118% | 2,988 |
| Total domestic deposits to total assets | 84.1366% | 4,133 |
| Equity capital to assets | 9.3948% | 4,681 |
| Core capital (leverage) ratio | 9.5918% | 4,260 |
| Tier 1 risk-based capital ratio | 13.2632% | 4,925 |
| Total risk-based capital ratio | 14.5192% | 4,865 |
| Memoranda: | ||
| Average total assets | $111,439,000 | 4,514 |
| Average earning assets | $103,642,750 | 4,455 |
| Average equity | $10,555,250 | 4,782 |
| Average total loans | $72,212,750 | 4,218 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,769 |
| Cost of funding earning assets | 0.3298% | 5,569 |
| Net interest margin | 4.2952% | 1,044 |
| Noninterest income to average assets | 0.5915% | 3,243 |
| Noninterest expense to average assets | 3.4497% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1234% | 1,845 |
| Return on assets (ROA) | 1.1234% | 1,963 |
| Pretax return on assets | 1.1234% | 3,000 |
| Return on Equity (ROE) | 11.8271% | 1,545 |
| Retained earnings to average equity (ytd only) | -3.6567% | 6,367 |
| Net charge-offs to loans | -0.4161% | 6,807 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4351% | 2,870 |
| Assets per employee ($millions) | 2.6109% | 6,389 |
| Cash dividends to net income (ytd only)* | 130.9179% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2641% | 1,313 |
| Loan loss allowance to noncurrent loans | 260.5475% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.3442% | 3,085 |
| Noncurrent loans to loans | 0.8690% | 4,187 |
| Net loans and leases to total assets | 63.6932% | 2,967 |
| Net loans and leases to deposits | 73.5734% | 3,219 |
| Net loans and leases to core deposits | 75.6698% | 3,582 |
| Total domestic deposits to total assets | 86.5709% | 3,081 |
| Equity capital to assets | 9.4048% | 4,715 |
| Core capital (leverage) ratio | 9.4569% | 4,309 |
| Tier 1 risk-based capital ratio | 13.7168% | 4,633 |
| Total risk-based capital ratio | 14.9577% | 4,602 |
| Memoranda: | ||
| Average total assets | $110,560,670 | 4,561 |
| Average earning assets | $102,486,670 | 4,506 |
| Average equity | $10,501,330 | 4,832 |
| Average total loans | $70,654,330 | 4,288 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 1,903 |
| Cost of funding earning assets | 0.3488% | 5,546 |
| Net interest margin | 4.2289% | 1,121 |
| Noninterest income to average assets | 0.5981% | 3,151 |
| Noninterest expense to average assets | 3.4375% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0485% | 2,045 |
| Return on assets (ROA) | 1.0485% | 2,153 |
| Pretax return on assets | 1.0485% | 3,155 |
| Return on Equity (ROE) | 10.9858% | 1,715 |
| Retained earnings to average equity (ytd only) | -1.0193% | 5,957 |
| Net charge-offs to loans | 0.0057% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 125 |
| Efficiency ratio | 76.6265% | 2,824 |
| Assets per employee ($millions) | 2.7816% | 6,301 |
| Cash dividends to net income (ytd only)* | 109.2784% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1655% | 1,655 |
| Loan loss allowance to noncurrent loans | 528.0142% | 818 |
| Noncurrent assets plus other real estate owned to assets | 1.4533% | 3,077 |
| Noncurrent loans to loans | 0.4101% | 5,388 |
| Net loans and leases to total assets | 60.4602% | 3,351 |
| Net loans and leases to deposits | 69.5458% | 3,566 |
| Net loans and leases to core deposits | 71.4858% | 3,884 |
| Total domestic deposits to total assets | 86.9357% | 3,001 |
| Equity capital to assets | 9.5007% | 4,850 |
| Core capital (leverage) ratio | 9.3788% | 4,277 |
| Tier 1 risk-based capital ratio | 14.3329% | 4,273 |
| Total risk-based capital ratio | 15.5846% | 4,241 |
| Memoranda: | ||
| Average total assets | $111,012,500 | 4,598 |
| Average earning assets | $102,059,500 | 4,566 |
| Average equity | $10,595,500 | 4,862 |
| Average total loans | $70,250,500 | 4,338 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 1,963 |
| Cost of funding earning assets | 0.4100% | 5,847 |
| Net interest margin | 4.4557% | 1,030 |
| Noninterest income to average assets | 0.4900% | 3,965 |
| Noninterest expense to average assets | 3.1716% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4880% | 938 |
| Return on assets (ROA) | 1.4880% | 1,036 |
| Pretax return on assets | 1.4880% | 1,714 |
| Return on Equity (ROE) | 14.7847% | 851 |
| Retained earnings to average equity (ytd only) | 7.7650% | 1,202 |
| Net charge-offs to loans | -0.0076% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0660% | 4,129 |
| Assets per employee ($millions) | 2.9147% | 6,138 |
| Cash dividends to net income (ytd only)* | 47.4793% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0518% | 1,886 |
| Loan loss allowance to noncurrent loans | 356.4165% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 3,114 |
| Noncurrent loans to loans | 0.5757% | 5,089 |
| Net loans and leases to total assets | 63.4426% | 2,986 |
| Net loans and leases to deposits | 75.7095% | 2,851 |
| Net loans and leases to core deposits | 77.9079% | 3,275 |
| Total domestic deposits to total assets | 83.7974% | 4,405 |
| Equity capital to assets | 9.5883% | 4,765 |
| Core capital (leverage) ratio | 9.9278% | 3,504 |
| Tier 1 risk-based capital ratio | 14.2422% | 4,209 |
| Total risk-based capital ratio | 15.5020% | 4,161 |
| Memoranda: | ||
| Average total assets | $105,311,200 | 4,696 |
| Average earning assets | $98,548,000 | 4,623 |
| Average equity | $10,598,800 | 4,846 |
| Average total loans | $65,976,000 | 4,505 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 2,175 |
| Cost of funding earning assets | 0.4227% | 5,969 |
| Net interest margin | 4.4324% | 1,130 |
| Noninterest income to average assets | 0.4887% | 3,988 |
| Noninterest expense to average assets | 3.1797% | 2,634 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4917% | 1,032 |
| Return on assets (ROA) | 1.4917% | 1,148 |
| Pretax return on assets | 1.4917% | 1,914 |
| Return on Equity (ROE) | 14.6376% | 971 |
| Retained earnings to average equity (ytd only) | 6.2805% | 2,502 |
| Net charge-offs to loans | 0.0578% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 41.5384% | 857 |
| Efficiency ratio | 68.0670% | 4,048 |
| Assets per employee ($millions) | 3.0161% | 6,024 |
| Cash dividends to net income (ytd only)* | 57.0936% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1613% | 1,780 |
| Loan loss allowance to noncurrent loans | 180.5521% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 2.1608% | 2,478 |
| Noncurrent loans to loans | 1.1971% | 4,055 |
| Net loans and leases to total assets | 61.7070% | 3,440 |
| Net loans and leases to deposits | 71.3093% | 3,704 |
| Net loans and leases to core deposits | 73.4082% | 4,064 |
| Total domestic deposits to total assets | 86.5344% | 2,961 |
| Equity capital to assets | 9.7883% | 4,800 |
| Core capital (leverage) ratio | 9.6457% | 4,050 |
| Tier 1 risk-based capital ratio | 14.7242% | 4,031 |
| Total risk-based capital ratio | 15.9846% | 3,985 |
| Memoranda: | ||
| Average total assets | $103,949,000 | 4,775 |
| Average earning assets | $98,094,250 | 4,686 |
| Average equity | $10,593,500 | 4,892 |
| Average total loans | $64,534,750 | 4,604 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 2,273 |
| Cost of funding earning assets | 0.4387% | 6,043 |
| Net interest margin | 4.4196% | 1,152 |
| Noninterest income to average assets | 0.5241% | 3,754 |
| Noninterest expense to average assets | 3.2511% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4428% | 1,103 |
| Return on assets (ROA) | 1.4428% | 1,241 |
| Pretax return on assets | 1.4428% | 2,043 |
| Return on Equity (ROE) | 13.9696% | 1,128 |
| Retained earnings to average equity (ytd only) | 6.1234% | 2,634 |
| Net charge-offs to loans | 0.0658% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 35.5238% | 967 |
| Efficiency ratio | 69.2625% | 3,885 |
| Assets per employee ($millions) | 3.0287% | 6,011 |
| Cash dividends to net income (ytd only)* | 56.1662% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 1,673 |
| Loan loss allowance to noncurrent loans | 138.7716% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 2.5046% | 2,232 |
| Noncurrent loans to loans | 1.6217% | 3,476 |
| Net loans and leases to total assets | 59.2476% | 3,951 |
| Net loans and leases to deposits | 68.7569% | 4,080 |
| Net loans and leases to core deposits | 70.7737% | 4,440 |
| Total domestic deposits to total assets | 86.1697% | 3,271 |
| Equity capital to assets | 10.1692% | 4,097 |
| Core capital (leverage) ratio | 9.9437% | 3,495 |
| Tier 1 risk-based capital ratio | 15.8860% | 3,215 |
| Total risk-based capital ratio | 17.1472% | 3,186 |
| Memoranda: | ||
| Average total assets | $103,410,330 | 4,816 |
| Average earning assets | $97,565,000 | 4,720 |
| Average equity | $10,680,330 | 4,880 |
| Average total loans | $63,853,000 | 4,641 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 2,274 |
| Cost of funding earning assets | 0.4610% | 6,077 |
| Net interest margin | 4.4315% | 1,157 |
| Noninterest income to average assets | 0.4897% | 3,980 |
| Noninterest expense to average assets | 3.0320% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6374% | 813 |
| Return on assets (ROA) | 1.6374% | 908 |
| Pretax return on assets | 1.6374% | 1,461 |
| Return on Equity (ROE) | 15.7283% | 845 |
| Retained earnings to average equity (ytd only) | 12.1913% | 797 |
| Net charge-offs to loans | 0.0817% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 32.1538% | 875 |
| Efficiency ratio | 64.9329% | 4,754 |
| Assets per employee ($millions) | 3.0153% | 6,123 |
| Cash dividends to net income (ytd only)* | 22.4880% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 1,595 |
| Loan loss allowance to noncurrent loans | 127.3205% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 2.9166% | 1,985 |
| Noncurrent loans to loans | 1.8433% | 3,352 |
| Net loans and leases to total assets | 57.3265% | 4,159 |
| Net loans and leases to deposits | 66.6435% | 4,285 |
| Net loans and leases to core deposits | 68.6054% | 4,609 |
| Total domestic deposits to total assets | 86.0197% | 3,516 |
| Equity capital to assets | 10.2223% | 3,824 |
| Core capital (leverage) ratio | 10.1617% | 3,157 |
| Tier 1 risk-based capital ratio | 16.4863% | 2,912 |
| Total risk-based capital ratio | 17.7490% | 2,879 |
| Memoranda: | ||
| Average total assets | $102,112,500 | 4,889 |
| Average earning assets | $96,311,500 | 4,788 |
| Average equity | $10,630,500 | 4,900 |
| Average total loans | $63,653,500 | 4,674 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 2,271 |
| Cost of funding earning assets | 0.5706% | 6,239 |
| Net interest margin | 4.5738% | 973 |
| Noninterest income to average assets | 0.3767% | 4,813 |
| Noninterest expense to average assets | 3.3695% | 2,317 |
| Loan and lease loss provision to assets | 0.4837% | 2,185 |
| Net operating income to assets | 0.8460% | 2,846 |
| Return on assets (ROA) | 0.8460% | 2,997 |
| Pretax return on assets | 0.8460% | 3,793 |
| Return on Equity (ROE) | 8.0014% | 2,897 |
| Retained earnings to average equity (ytd only) | 4.8670% | 2,733 |
| Net charge-offs to loans | 1.7518% | 854 |
| Credit loss provision to net charge-offs | 39.1667% | 5,642 |
| Earnings coverage of net charge-offs (x) | 1.0767% | 4,977 |
| Efficiency ratio | 71.7039% | 3,638 |
| Assets per employee ($millions) | 2.8197% | 6,431 |
| Cash dividends to net income (ytd only)* | 39.1727% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2447% | 1,717 |
| Loan loss allowance to noncurrent loans | 51.6186% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 3.7288% | 1,566 |
| Noncurrent loans to loans | 4.3486% | 1,390 |
| Net loans and leases to total assets | 64.7344% | 3,037 |
| Net loans and leases to deposits | 75.8276% | 3,201 |
| Net loans and leases to core deposits | 78.2287% | 3,658 |
| Total domestic deposits to total assets | 85.3705% | 3,658 |
| Equity capital to assets | 10.6119% | 3,405 |
| Core capital (leverage) ratio | 10.2323% | 3,052 |
| Tier 1 risk-based capital ratio | 15.6106% | 3,262 |
| Total risk-based capital ratio | 16.8730% | 3,211 |
| Memoranda: | ||
| Average total assets | $97,165,800 | 4,974 |
| Average earning assets | $91,827,400 | 4,862 |
| Average equity | $10,273,200 | 4,951 |
| Average total loans | $68,501,800 | 4,546 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 2,280 |
| Cost of funding earning assets | 0.5962% | 6,293 |
| Net interest margin | 4.5843% | 979 |
| Noninterest income to average assets | 0.4023% | 4,654 |
| Noninterest expense to average assets | 3.4068% | 2,174 |
| Loan and lease loss provision to assets | 0.6475% | 1,519 |
| Net operating income to assets | 0.6805% | 3,711 |
| Return on assets (ROA) | 0.6805% | 3,885 |
| Pretax return on assets | 0.6805% | 4,551 |
| Return on Equity (ROE) | 6.4427% | 3,799 |
| Retained earnings to average equity (ytd only) | 3.3126% | 4,364 |
| Net charge-offs to loans | 1.9955% | 638 |
| Credit loss provision to net charge-offs | 45.3230% | 5,136 |
| Earnings coverage of net charge-offs (x) | 0.9296% | 4,927 |
| Efficiency ratio | 71.9523% | 3,559 |
| Assets per employee ($millions) | 2.6089% | 6,773 |
| Cash dividends to net income (ytd only)* | 48.5827% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4517% | 1,463 |
| Loan loss allowance to noncurrent loans | 41.7093% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 5.0814% | 1,131 |
| Noncurrent loans to loans | 5.8781% | 960 |
| Net loans and leases to total assets | 67.1867% | 2,638 |
| Net loans and leases to deposits | 78.9814% | 2,818 |
| Net loans and leases to core deposits | 81.8058% | 3,354 |
| Total domestic deposits to total assets | 85.0665% | 3,740 |
| Equity capital to assets | 10.6384% | 3,530 |
| Core capital (leverage) ratio | 10.2251% | 3,167 |
| Tier 1 risk-based capital ratio | 15.1112% | 3,602 |
| Total risk-based capital ratio | 16.3754% | 3,562 |
| Memoranda: | ||
| Average total assets | $96,784,500 | 5,013 |
| Average earning assets | $91,468,750 | 4,913 |
| Average equity | $10,223,250 | 4,988 |
| Average total loans | $69,288,750 | 4,559 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1148% | 2,610 |
| Cost of funding earning assets | 0.6066% | 6,423 |
| Net interest margin | 4.5082% | 1,115 |
| Noninterest income to average assets | 0.4934% | 3,921 |
| Noninterest expense to average assets | 3.4624% | 2,086 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2966% | 1,330 |
| Return on assets (ROA) | 1.2966% | 1,402 |
| Pretax return on assets | 1.2966% | 2,148 |
| Return on Equity (ROE) | 12.3041% | 1,408 |
| Retained earnings to average equity (ytd only) | 9.1693% | 1,055 |
| Net charge-offs to loans | 1.0680% | 1,476 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.6747% | 4,036 |
| Efficiency ratio | 72.7549% | 3,590 |
| Assets per employee ($millions) | 2.5929% | 6,800 |
| Cash dividends to net income (ytd only)* | 25.4777% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5366% | 1,387 |
| Loan loss allowance to noncurrent loans | 31.8531% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 6.3654% | 848 |
| Noncurrent loans to loans | 7.9635% | 571 |
| Net loans and leases to total assets | 71.0490% | 1,990 |
| Net loans and leases to deposits | 83.4597% | 2,188 |
| Net loans and leases to core deposits | 86.3653% | 2,852 |
| Total domestic deposits to total assets | 85.1297% | 3,821 |
| Equity capital to assets | 10.6453% | 3,338 |
| Core capital (leverage) ratio | 10.5174% | 2,696 |
| Tier 1 risk-based capital ratio | 14.4463% | 3,827 |
| Total risk-based capital ratio | 15.7131% | 3,786 |
| Memoranda: | ||
| Average total assets | $96,870,000 | 5,051 |
| Average earning assets | $91,655,670 | 4,945 |
| Average equity | $10,208,000 | 4,993 |
| Average total loans | $70,223,670 | 4,570 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 2,247 |
| Cost of funding earning assets | 0.6871% | 6,211 |
| Net interest margin | 4.5060% | 1,058 |
| Noninterest income to average assets | 0.4332% | 4,427 |
| Noninterest expense to average assets | 3.4611% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2328% | 1,449 |
| Return on assets (ROA) | 1.2328% | 1,499 |
| Pretax return on assets | 1.2328% | 2,260 |
| Return on Equity (ROE) | 11.7606% | 1,529 |
| Retained earnings to average equity (ytd only) | 8.5026% | 1,554 |
| Net charge-offs to loans | 2.3970% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.7115% | 4,102 |
| Efficiency ratio | 73.7356% | 3,559 |
| Assets per employee ($millions) | 2.6169% | 6,822 |
| Cash dividends to net income (ytd only)* | 27.7027% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6443% | 1,265 |
| Loan loss allowance to noncurrent loans | 32.2879% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 6.2710% | 904 |
| Noncurrent loans to loans | 8.1898% | 593 |
| Net loans and leases to total assets | 67.7197% | 2,610 |
| Net loans and leases to deposits | 79.5765% | 2,795 |
| Net loans and leases to core deposits | 82.3901% | 3,401 |
| Total domestic deposits to total assets | 85.1002% | 3,988 |
| Equity capital to assets | 10.4878% | 3,186 |
| Core capital (leverage) ratio | 10.3655% | 2,747 |
| Tier 1 risk-based capital ratio | 14.8364% | 3,516 |
| Total risk-based capital ratio | 16.1036% | 3,466 |
| Memoranda: | ||
| Average total assets | $96,039,000 | 5,106 |
| Average earning assets | $90,812,000 | 5,015 |
| Average equity | $10,067,500 | 5,032 |
| Average total loans | $69,421,500 | 4,638 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7940% | 1,295 |
| Cost of funding earning assets | 0.9400% | 5,978 |
| Net interest margin | 4.8540% | 599 |
| Noninterest income to average assets | 0.3505% | 5,297 |
| Noninterest expense to average assets | 3.2432% | 2,944 |
| Loan and lease loss provision to assets | 1.0947% | 1,463 |
| Net operating income to assets | 0.5947% | 3,694 |
| Return on assets (ROA) | 0.5947% | 3,859 |
| Pretax return on assets | 0.5947% | 4,345 |
| Return on Equity (ROE) | 5.5804% | 3,806 |
| Retained earnings to average equity (ytd only) | -0.0889% | 5,616 |
| Net charge-offs to loans | 2.3069% | 837 |
| Credit loss provision to net charge-offs | 62.5376% | 6,040 |
| Earnings coverage of net charge-offs (x) | 0.9651% | 5,144 |
| Efficiency ratio | 65.7490% | 5,019 |
| Assets per employee ($millions) | 2.6459% | 6,772 |
| Cash dividends to net income (ytd only)* | 101.5929% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0731% | 818 |
| Loan loss allowance to noncurrent loans | 44.0457% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 5.7070% | 1,072 |
| Noncurrent loans to loans | 6.9771% | 809 |
| Net loans and leases to total assets | 72.7488% | 1,933 |
| Net loans and leases to deposits | 87.0768% | 1,927 |
| Net loans and leases to core deposits | 89.9607% | 2,772 |
| Total domestic deposits to total assets | 83.5456% | 4,580 |
| Equity capital to assets | 10.4776% | 3,175 |
| Core capital (leverage) ratio | 9.9832% | 3,114 |
| Tier 1 risk-based capital ratio | 14.0358% | 3,848 |
| Total risk-based capital ratio | 15.3098% | 3,803 |
| Memoranda: | ||
| Average total assets | $95,000,000 | 5,128 |
| Average earning assets | $89,678,800 | 5,028 |
| Average equity | $10,124,800 | 5,097 |
| Average total loans | $72,088,200 | 4,604 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8421% | 1,278 |
| Cost of funding earning assets | 0.9866% | 5,998 |
| Net interest margin | 4.8555% | 601 |
| Noninterest income to average assets | 0.3357% | 5,479 |
| Noninterest expense to average assets | 3.2329% | 2,805 |
| Loan and lease loss provision to assets | 0.9129% | 1,659 |
| Net operating income to assets | 0.7724% | 3,122 |
| Return on assets (ROA) | 0.7724% | 3,273 |
| Pretax return on assets | 0.7724% | 4,002 |
| Return on Equity (ROE) | 7.2170% | 3,249 |
| Retained earnings to average equity (ytd only) | 1.0891% | 5,377 |
| Net charge-offs to loans | 1.6132% | 1,220 |
| Credit loss provision to net charge-offs | 74.3707% | 5,305 |
| Earnings coverage of net charge-offs (x) | 1.3730% | 4,705 |
| Efficiency ratio | 65.7339% | 4,916 |
| Assets per employee ($millions) | 2.6389% | 6,864 |
| Cash dividends to net income (ytd only)* | 84.9084% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6237% | 493 |
| Loan loss allowance to noncurrent loans | 93.1802% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 3.0561% | 2,369 |
| Noncurrent loans to loans | 3.8889% | 1,956 |
| Net loans and leases to total assets | 70.7128% | 2,561 |
| Net loans and leases to deposits | 83.9757% | 2,711 |
| Net loans and leases to core deposits | 86.6614% | 3,564 |
| Total domestic deposits to total assets | 84.2063% | 4,005 |
| Equity capital to assets | 10.4056% | 3,634 |
| Core capital (leverage) ratio | 10.1418% | 3,110 |
| Tier 1 risk-based capital ratio | 14.1231% | 3,742 |
| Total risk-based capital ratio | 15.4035% | 3,693 |
| Memoranda: | ||
| Average total assets | $94,937,250 | 5,192 |
| Average earning assets | $89,600,750 | 5,085 |
| Average equity | $10,161,000 | 5,143 |
| Average total loans | $72,237,500 | 4,671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9849% | 982 |
| Cost of funding earning assets | 1.0415% | 5,957 |
| Net interest margin | 4.9433% | 483 |
| Noninterest income to average assets | 0.2212% | 6,336 |
| Noninterest expense to average assets | 3.2583% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6164% | 697 |
| Return on assets (ROA) | 1.6164% | 754 |
| Pretax return on assets | 1.6164% | 1,259 |
| Return on Equity (ROE) | 14.9587% | 865 |
| Retained earnings to average equity (ytd only) | 7.3416% | 1,698 |
| Net charge-offs to loans | 1.6483% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1.2730% | 4,550 |
| Efficiency ratio | 66.8412% | 4,808 |
| Assets per employee ($millions) | 2.5490% | 7,037 |
| Cash dividends to net income (ytd only)* | 50.9211% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1053% | 759 |
| Loan loss allowance to noncurrent loans | 100.0000% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 2.7143% | 2,660 |
| Noncurrent loans to loans | 3.1053% | 2,586 |
| Net loans and leases to total assets | 73.5469% | 2,014 |
| Net loans and leases to deposits | 88.2753% | 2,127 |
| Net loans and leases to core deposits | 90.9204% | 3,137 |
| Total domestic deposits to total assets | 83.3153% | 4,434 |
| Equity capital to assets | 11.0577% | 2,800 |
| Core capital (leverage) ratio | 10.6489% | 2,501 |
| Tier 1 risk-based capital ratio | 14.5256% | 3,431 |
| Total risk-based capital ratio | 15.7966% | 3,377 |
| Memoranda: | ||
| Average total assets | $94,036,330 | 5,249 |
| Average earning assets | $88,523,000 | 5,154 |
| Average equity | $10,161,330 | 5,153 |
| Average total loans | $72,436,670 | 4,695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9213% | 1,151 |
| Cost of funding earning assets | 1.1006% | 5,910 |
| Net interest margin | 4.8207% | 617 |
| Noninterest income to average assets | 0.1534% | 6,872 |
| Noninterest expense to average assets | 3.1268% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5421% | 832 |
| Return on assets (ROA) | 1.5421% | 894 |
| Pretax return on assets | 1.5421% | 1,415 |
| Return on Equity (ROE) | 14.4403% | 965 |
| Retained earnings to average equity (ytd only) | 2.7125% | 4,511 |
| Net charge-offs to loans | 2.0203% | 848 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.9837% | 4,181 |
| Efficiency ratio | 66.9708% | 4,926 |
| Assets per employee ($millions) | 2.5974% | 7,043 |
| Cash dividends to net income (ytd only)* | 81.2155% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3730% | 594 |
| Loan loss allowance to noncurrent loans | 89.0018% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 3.3292% | 2,143 |
| Noncurrent loans to loans | 3.7898% | 2,088 |
| Net loans and leases to total assets | 75.1225% | 1,711 |
| Net loans and leases to deposits | 90.2566% | 1,868 |
| Net loans and leases to core deposits | 93.5950% | 2,890 |
| Total domestic deposits to total assets | 83.2321% | 4,509 |
| Equity capital to assets | 10.7490% | 3,006 |
| Core capital (leverage) ratio | 10.4241% | 2,699 |
| Tier 1 risk-based capital ratio | 13.8313% | 3,780 |
| Total risk-based capital ratio | 15.1089% | 3,717 |
| Memoranda: | ||
| Average total assets | $93,897,500 | 5,320 |
| Average earning assets | $87,954,000 | 5,243 |
| Average equity | $10,027,500 | 5,229 |
| Average total loans | $72,861,000 | 4,750 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7405% | 422 |
| Cost of funding earning assets | 1.4160% | 5,861 |
| Net interest margin | 5.3245% | 233 |
| Noninterest income to average assets | 0.0206% | 7,621 |
| Noninterest expense to average assets | 3.1861% | 3,423 |
| Loan and lease loss provision to assets | 1.9659% | 1,113 |
| Net operating income to assets | -0.1596% | 5,778 |
| Return on assets (ROA) | -0.1596% | 5,780 |
| Pretax return on assets | -0.1596% | 5,659 |
| Return on Equity (ROE) | -1.4901% | 5,774 |
| Retained earnings to average equity (ytd only) | -9.0522% | 6,435 |
| Net charge-offs to loans | 0.4223% | 4,105 |
| Credit loss provision to net charge-offs | 580.4487% | 519 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,629 |
| Efficiency ratio | 63.8182% | 5,812 |
| Assets per employee ($millions) | 2.4813% | 7,234 |
| Cash dividends to net income (ytd only)* | -507.4830% | 7,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8616% | 393 |
| Loan loss allowance to noncurrent loans | 4,028.5714% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 5,978 |
| Noncurrent loans to loans | 0.0959% | 7,172 |
| Net loans and leases to total assets | 74.4583% | 2,150 |
| Net loans and leases to deposits | 88.9528% | 2,397 |
| Net loans and leases to core deposits | 111.5532% | 2,743 |
| Total domestic deposits to total assets | 83.7054% | 4,177 |
| Equity capital to assets | 10.6099% | 3,056 |
| Core capital (leverage) ratio | 10.4820% | 2,630 |
| Tier 1 risk-based capital ratio | 13.5374% | 3,798 |
| Total risk-based capital ratio | 14.8203% | 3,723 |
| Memoranda: | ||
| Average total assets | $92,119,000 | 5,328 |
| Average earning assets | $86,016,800 | 5,261 |
| Average equity | $9,865,000 | 5,335 |
| Average total loans | $73,881,800 | 4,735 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6436% | 566 |
| Cost of funding earning assets | 1.4719% | 5,950 |
| Net interest margin | 5.1718% | 313 |
| Noninterest income to average assets | -0.0975% | 7,929 |
| Noninterest expense to average assets | 3.1987% | 3,300 |
| Loan and lease loss provision to assets | 2.6367% | 612 |
| Net operating income to assets | -1.0934% | 6,892 |
| Return on assets (ROA) | -1.0934% | 6,897 |
| Pretax return on assets | -1.0934% | 6,753 |
| Return on Equity (ROE) | -10.1860% | 6,909 |
| Retained earnings to average equity (ytd only) | -19.2191% | 7,312 |
| Net charge-offs to loans | 0.2645% | 4,389 |
| Credit loss provision to net charge-offs | 1,231.9728% | 308 |
| Earnings coverage of net charge-offs (x) | 7.2107% | 2,448 |
| Efficiency ratio | 67.4547% | 5,081 |
| Assets per employee ($millions) | 2.4071% | 7,371 |
| Cash dividends to net income (ytd only)* | -88.6818% | 7,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0439% | 288 |
| Loan loss allowance to noncurrent loans | 141.2015% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 3.0097% | 2,305 |
| Noncurrent loans to loans | 2.8639% | 2,653 |
| Net loans and leases to total assets | 77.4352% | 1,683 |
| Net loans and leases to deposits | 92.8200% | 2,093 |
| Net loans and leases to core deposits | 116.1471% | 2,607 |
| Total domestic deposits to total assets | 83.4252% | 4,005 |
| Equity capital to assets | 10.4231% | 3,593 |
| Core capital (leverage) ratio | 10.0080% | 3,271 |
| Tier 1 risk-based capital ratio | 11.8136% | 5,147 |
| Total risk-based capital ratio | 13.0957% | 5,049 |
| Memoranda: | ||
| Average total assets | $91,576,500 | 5,381 |
| Average earning assets | $85,694,000 | 5,309 |
| Average equity | $9,830,250 | 5,388 |
| Average total loans | $74,095,750 | 4,770 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6792% | 563 |
| Cost of funding earning assets | 1.5406% | 5,973 |
| Net interest margin | 5.1386% | 336 |
| Noninterest income to average assets | -0.3427% | 8,100 |
| Noninterest expense to average assets | 2.8009% | 4,955 |
| Loan and lease loss provision to assets | 3.9536% | 319 |
| Net operating income to assets | -2.2988% | 7,511 |
| Return on assets (ROA) | -2.2988% | 7,506 |
| Pretax return on assets | -2.2988% | 7,373 |
| Return on Equity (ROE) | -21.2106% | 7,537 |
| Retained earnings to average equity (ytd only) | -32.1684% | 7,719 |
| Net charge-offs to loans | 0.3612% | 3,375 |
| Credit loss provision to net charge-offs | 1,351.4925% | 372 |
| Earnings coverage of net charge-offs (x) | 5.6567% | 2,789 |
| Efficiency ratio | 62.8613% | 6,107 |
| Assets per employee ($millions) | 2.5045% | 7,237 |
| Cash dividends to net income (ytd only)* | -51.6619% | 8,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0061% | 257 |
| Loan loss allowance to noncurrent loans | 236.6219% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 3.0173% | 2,103 |
| Noncurrent loans to loans | 1.6930% | 3,968 |
| Net loans and leases to total assets | 77.5244% | 1,854 |
| Net loans and leases to deposits | 92.4925% | 2,374 |
| Net loans and leases to core deposits | 113.7001% | 2,946 |
| Total domestic deposits to total assets | 83.8170% | 3,862 |
| Equity capital to assets | 10.0901% | 3,824 |
| Core capital (leverage) ratio | 9.9669% | 3,328 |
| Tier 1 risk-based capital ratio | 12.1802% | 4,773 |
| Total risk-based capital ratio | 13.4533% | 4,661 |
| Memoranda: | ||
| Average total assets | $91,612,000 | 5,419 |
| Average earning assets | $85,549,000 | 5,355 |
| Average equity | $9,929,000 | 5,374 |
| Average total loans | $74,189,330 | 4,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7557% | 518 |
| Cost of funding earning assets | 1.6265% | 5,919 |
| Net interest margin | 5.1292% | 316 |
| Noninterest income to average assets | 0.2986% | 6,046 |
| Noninterest expense to average assets | 3.2277% | 2,867 |
| Loan and lease loss provision to assets | 7.5138% | 80 |
| Net operating income to assets | -5.6650% | 8,074 |
| Return on assets (ROA) | -5.6650% | 8,066 |
| Pretax return on assets | -5.6650% | 8,029 |
| Return on Equity (ROE) | -50.4966% | 8,050 |
| Retained earnings to average equity (ytd only) | -58.0516% | 8,063 |
| Net charge-offs to loans | 0.2653% | 3,074 |
| Credit loss provision to net charge-offs | 3,491.8367% | 200 |
| Earnings coverage of net charge-offs (x) | 8.5918% | 2,171 |
| Efficiency ratio | 63.5813% | 5,767 |
| Assets per employee ($millions) | 2.4898% | 7,299 |
| Cash dividends to net income (ytd only)* | -14.9612% | 8,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1286% | 199 |
| Loan loss allowance to noncurrent loans | 755.1899% | 502 |
| Noncurrent assets plus other real estate owned to assets | 2.4099% | 2,381 |
| Noncurrent loans to loans | 0.5467% | 6,050 |
| Net loans and leases to total assets | 77.2816% | 1,971 |
| Net loans and leases to deposits | 92.6093% | 2,496 |
| Net loans and leases to core deposits | 115.4156% | 2,856 |
| Total domestic deposits to total assets | 83.4490% | 3,931 |
| Equity capital to assets | 10.5520% | 3,410 |
| Core capital (leverage) ratio | 9.8098% | 3,626 |
| Tier 1 risk-based capital ratio | 12.8991% | 4,250 |
| Total risk-based capital ratio | 14.1859% | 4,153 |
| Memoranda: | ||
| Average total assets | $91,085,500 | 5,450 |
| Average earning assets | $84,847,000 | 5,401 |
| Average equity | $10,218,500 | 5,319 |
| Average total loans | $73,866,000 | 4,839 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4767% | 431 |
| Cost of funding earning assets | 2.0993% | 6,056 |
| Net interest margin | 5.3774% | 248 |
| Noninterest income to average assets | 0.4280% | 5,227 |
| Noninterest expense to average assets | 3.1958% | 3,355 |
| Loan and lease loss provision to assets | 0.7379% | 2,011 |
| Net operating income to assets | 1.5483% | 931 |
| Return on assets (ROA) | 1.5483% | 897 |
| Pretax return on assets | 1.5483% | 1,540 |
| Return on Equity (ROE) | 13.2954% | 1,259 |
| Retained earnings to average equity (ytd only) | 4.9870% | 2,038 |
| Net charge-offs to loans | 0.4298% | 2,672 |
| Credit loss provision to net charge-offs | 209.4937% | 2,306 |
| Earnings coverage of net charge-offs (x) | 6.4905% | 3,349 |
| Efficiency ratio | 57.7267% | 6,745 |
| Assets per employee ($millions) | 2.4352% | 7,336 |
| Cash dividends to net income (ytd only)* | 62.4910% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 1,763 |
| Loan loss allowance to noncurrent loans | 162.0859% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 2.4509% | 1,979 |
| Noncurrent loans to loans | 1.0798% | 4,409 |
| Net loans and leases to total assets | 80.1381% | 1,635 |
| Net loans and leases to deposits | 101.6044% | 1,626 |
| Net loans and leases to core deposits | 126.4584% | 2,129 |
| Total domestic deposits to total assets | 78.8727% | 5,417 |
| Equity capital to assets | 11.8642% | 2,377 |
| Core capital (leverage) ratio | 11.5794% | 2,207 |
| Tier 1 risk-based capital ratio | 13.9481% | 3,569 |
| Total risk-based capital ratio | 15.2025% | 3,488 |
| Memoranda: | ||
| Average total assets | $89,711,600 | 5,369 |
| Average earning assets | $84,315,600 | 5,293 |
| Average equity | $10,447,200 | 5,279 |
| Average total loans | $73,530,200 | 4,756 |