Home > The Gunnison Bank and Trust Company > Performance and Condition Ratios
The Gunnison Bank and Trust Company, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2523% | 969 |
| Cost of funding earning assets | 1.1841% | 3,830 |
| Net interest margin | 5.0682% | 304 |
| Noninterest income to average assets | 0.7900% | 941 |
| Noninterest expense to average assets | 3.0072% | 1,133 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.7983% | 549 |
| Return on assets (ROA) | 1.7983% | 546 |
| Pretax return on assets | 2.3543% | 357 |
| Return on Equity (ROE) | 16.1200% | 774 |
| Retained earnings to average equity (ytd only) | 10.4843% | 509 |
| Net charge-offs to loans | -0.0052% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 55.7395% | 3,580 |
| Assets per employee ($millions) | 5.3742% | 3,378 |
| Cash dividends to net income (ytd only)* | 34.9732% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2957% | 1,695 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 64.2200% | 2,554 |
| Net loans and leases to deposits | 75.8582% | 2,475 |
| Net loans and leases to core deposits | 80.4314% | 2,748 |
| Total domestic deposits to total assets | 84.6500% | 2,627 |
| Equity capital to assets | 12.1697% | 1,120 |
| Core capital (leverage) ratio | 12.4081% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $238,497,000 | 2,768 |
| Average earning assets | $216,623,800 | 2,790 |
| Average equity | $26,601,800 | 2,543 |
| Average total loans | $152,741,400 | 2,702 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1541% | 1,053 |
| Cost of funding earning assets | 1.1573% | 3,872 |
| Net interest margin | 4.9968% | 336 |
| Noninterest income to average assets | 0.7900% | 905 |
| Noninterest expense to average assets | 2.7154% | 1,638 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.9832% | 442 |
| Return on assets (ROA) | 1.9832% | 445 |
| Pretax return on assets | 2.5978% | 294 |
| Return on Equity (ROE) | 18.1800% | 563 |
| Retained earnings to average equity (ytd only) | 10.5509% | 734 |
| Net charge-offs to loans | -0.0043% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 50.8413% | 3,936 |
| Assets per employee ($millions) | 5.9641% | 2,893 |
| Cash dividends to net income (ytd only)* | 41.9580% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,280 |
| Loan loss allowance to noncurrent loans | 68.8849% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 586 |
| Noncurrent loans to loans | 1.7227% | 502 |
| Net loans and leases to total assets | 63.6600% | 2,569 |
| Net loans and leases to deposits | 80.2285% | 2,159 |
| Net loans and leases to core deposits | 88.9109% | 2,225 |
| Total domestic deposits to total assets | 79.3500% | 3,558 |
| Equity capital to assets | 11.0990% | 1,687 |
| Core capital (leverage) ratio | 11.8095% | 1,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $240,348,500 | 2,752 |
| Average earning assets | $218,774,000 | 2,772 |
| Average equity | $26,221,500 | 2,560 |
| Average total loans | $153,340,750 | 2,689 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0293% | 1,126 |
| Cost of funding earning assets | 1.0907% | 3,926 |
| Net interest margin | 4.9386% | 366 |
| Noninterest income to average assets | 0.8100% | 850 |
| Noninterest expense to average assets | 2.7261% | 1,616 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 1.9547% | 469 |
| Return on assets (ROA) | 1.9547% | 472 |
| Pretax return on assets | 2.5582% | 308 |
| Return on Equity (ROE) | 18.0300% | 616 |
| Retained earnings to average equity (ytd only) | 12.5785% | 483 |
| Net charge-offs to loans | -0.0066% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 51.4249% | 3,932 |
| Assets per employee ($millions) | 5.9877% | 2,810 |
| Cash dividends to net income (ytd only)* | 30.2245% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,264 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.9900% | 2,451 |
| Net loans and leases to deposits | 82.0431% | 2,013 |
| Net loans and leases to core deposits | 90.7111% | 2,098 |
| Total domestic deposits to total assets | 79.2100% | 3,560 |
| Equity capital to assets | 11.1061% | 1,517 |
| Core capital (leverage) ratio | 12.1091% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $236,967,667 | 2,767 |
| Average earning assets | $215,647,333 | 2,789 |
| Average equity | $25,694,667 | 2,556 |
| Average total loans | $150,663,000 | 2,711 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9243% | 1,160 |
| Cost of funding earning assets | 0.9647% | 4,019 |
| Net interest margin | 4.9596% | 347 |
| Noninterest income to average assets | 0.8400% | 755 |
| Noninterest expense to average assets | 2.7578% | 1,551 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 1.9771% | 458 |
| Return on assets (ROA) | 1.9771% | 467 |
| Pretax return on assets | 2.5813% | 316 |
| Return on Equity (ROE) | 18.4600% | 564 |
| Retained earnings to average equity (ytd only) | 12.1227% | 722 |
| Net charge-offs to loans | -0.0054% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.4892% | 3,941 |
| Assets per employee ($millions) | 6.0296% | 2,814 |
| Cash dividends to net income (ytd only)* | 34.3348% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 1,956 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 60.8400% | 2,780 |
| Net loans and leases to deposits | 77.9071% | 2,245 |
| Net loans and leases to core deposits | 82.8464% | 2,514 |
| Total domestic deposits to total assets | 78.1000% | 3,786 |
| Equity capital to assets | 10.6193% | 1,677 |
| Core capital (leverage) ratio | 11.9160% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $235,697,500 | 2,780 |
| Average earning assets | $214,776,500 | 2,796 |
| Average equity | $25,242,000 | 2,587 |
| Average total loans | $147,225,500 | 2,739 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4995% | 1,161 |
| Cost of funding earning assets | 0.5573% | 4,134 |
| Net interest margin | 4.9422% | 343 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.5705% | 2,097 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 2.1821% | 351 |
| Return on assets (ROA) | 2.1821% | 340 |
| Pretax return on assets | 2.8587% | 234 |
| Return on Equity (ROE) | 22.5100% | 428 |
| Retained earnings to average equity (ytd only) | 18.4424% | 172 |
| Net charge-offs to loans | -0.0073% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.2126% | 4,133 |
| Assets per employee ($millions) | 5.7553% | 3,016 |
| Cash dividends to net income (ytd only)* | 18.0650% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 1,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.5400% | 2,620 |
| Net loans and leases to deposits | 78.6941% | 2,214 |
| Net loans and leases to core deposits | 81.5283% | 2,620 |
| Total domestic deposits to total assets | 79.4700% | 3,546 |
| Equity capital to assets | 10.8040% | 1,583 |
| Core capital (leverage) ratio | 11.7146% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $228,317,400 | 2,797 |
| Average earning assets | $209,581,400 | 2,809 |
| Average equity | $22,133,800 | 2,683 |
| Average total loans | $137,909,800 | 2,787 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3746% | 1,169 |
| Cost of funding earning assets | 0.4921% | 4,150 |
| Net interest margin | 4.8825% | 367 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.1447% | 3,226 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 2.4911% | 270 |
| Return on assets (ROA) | 2.4911% | 265 |
| Pretax return on assets | 3.2677% | 188 |
| Return on Equity (ROE) | 26.4600% | 331 |
| Retained earnings to average equity (ytd only) | 22.7322% | 176 |
| Net charge-offs to loans | -0.0069% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.5404% | 4,370 |
| Assets per employee ($millions) | 6.0157% | 2,744 |
| Cash dividends to net income (ytd only)* | 14.0944% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 1,855 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.4600% | 2,896 |
| Net loans and leases to deposits | 73.6225% | 2,602 |
| Net loans and leases to core deposits | 76.2839% | 2,850 |
| Total domestic deposits to total assets | 80.7700% | 3,419 |
| Equity capital to assets | 9.8127% | 1,935 |
| Core capital (leverage) ratio | 11.5429% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $227,844,000 | 2,810 |
| Average earning assets | $209,698,000 | 2,818 |
| Average equity | $21,449,250 | 2,726 |
| Average total loans | $135,928,750 | 2,816 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2048% | 1,208 |
| Cost of funding earning assets | 0.3973% | 4,170 |
| Net interest margin | 4.8075% | 402 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.1499% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4434% | 258 |
| Return on assets (ROA) | 2.4434% | 253 |
| Pretax return on assets | 3.2050% | 177 |
| Return on Equity (ROE) | 26.3400% | 313 |
| Retained earnings to average equity (ytd only) | 22.5185% | 169 |
| Net charge-offs to loans | -0.0075% | 3,828 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.1158% | 4,390 |
| Assets per employee ($millions) | 5.3433% | 3,286 |
| Cash dividends to net income (ytd only)* | 14.5138% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 1,845 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.8200% | 2,694 |
| Net loans and leases to deposits | 75.6687% | 2,345 |
| Net loans and leases to core deposits | 78.1419% | 2,603 |
| Total domestic deposits to total assets | 80.3800% | 3,518 |
| Equity capital to assets | 9.8531% | 1,938 |
| Core capital (leverage) ratio | 11.4665% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $225,587,333 | 2,831 |
| Average earning assets | $207,885,667 | 2,839 |
| Average equity | $20,925,000 | 2,780 |
| Average total loans | $134,120,667 | 2,829 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 1,223 |
| Cost of funding earning assets | 0.2066% | 4,368 |
| Net interest margin | 4.7967% | 372 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 2.0922% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4742% | 250 |
| Return on assets (ROA) | 2.4742% | 247 |
| Pretax return on assets | 3.2435% | 168 |
| Return on Equity (ROE) | 27.5200% | 312 |
| Retained earnings to average equity (ytd only) | 23.5890% | 217 |
| Net charge-offs to loans | -0.0061% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.2111% | 4,464 |
| Assets per employee ($millions) | 5.5508% | 3,169 |
| Cash dividends to net income (ytd only)* | 14.2959% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 1,864 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.8300% | 2,780 |
| Net loans and leases to deposits | 68.9569% | 2,695 |
| Net loans and leases to core deposits | 70.1858% | 2,940 |
| Total domestic deposits to total assets | 85.3200% | 2,768 |
| Equity capital to assets | 9.3822% | 2,240 |
| Core capital (leverage) ratio | 11.0035% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6029% | 1,234 |
| Memoranda: | ||
| Average total assets | $226,172,500 | 2,863 |
| Average earning assets | $209,062,000 | 2,865 |
| Average equity | $20,331,500 | 2,855 |
| Average total loans | $132,022,500 | 2,879 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 1,704 |
| Cost of funding earning assets | 0.1399% | 4,177 |
| Net interest margin | 3.8658% | 1,037 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 2.6551% | 1,665 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4914% | 898 |
| Return on assets (ROA) | 1.4850% | 880 |
| Pretax return on assets | 1.9364% | 537 |
| Return on Equity (ROE) | 17.8100% | 731 |
| Retained earnings to average equity (ytd only) | 17.2771% | 162 |
| Net charge-offs to loans | -0.0086% | 3,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.6138% | 3,397 |
| Assets per employee ($millions) | 5.1083% | 3,588 |
| Cash dividends to net income (ytd only)* | 3.0003% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.2900% | 2,998 |
| Net loans and leases to deposits | 62.0806% | 3,190 |
| Net loans and leases to core deposits | 63.2264% | 3,315 |
| Total domestic deposits to total assets | 90.6700% | 1,073 |
| Equity capital to assets | 8.5917% | 2,638 |
| Core capital (leverage) ratio | 10.0492% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3192% | 1,288 |
| Memoranda: | ||
| Average total assets | $224,439,200 | 2,878 |
| Average earning assets | $209,505,800 | 2,864 |
| Average equity | $18,712,600 | 3,061 |
| Average total loans | $116,741,600 | 2,954 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7102% | 2,018 |
| Cost of funding earning assets | 0.1328% | 4,011 |
| Net interest margin | 3.5774% | 1,448 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.4009% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4929% | 867 |
| Return on assets (ROA) | 1.4845% | 868 |
| Pretax return on assets | 1.9355% | 540 |
| Return on Equity (ROE) | 17.9400% | 650 |
| Retained earnings to average equity (ytd only) | 17.2238% | 198 |
| Net charge-offs to loans | -0.0082% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1913% | 3,697 |
| Assets per employee ($millions) | 5.5497% | 3,169 |
| Cash dividends to net income (ytd only)* | 4.0032% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,675 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 53.8400% | 3,119 |
| Net loans and leases to deposits | 58.7445% | 3,292 |
| Net loans and leases to core deposits | 59.7558% | 3,402 |
| Total domestic deposits to total assets | 91.6600% | 988 |
| Equity capital to assets | 7.6807% | 3,100 |
| Core capital (leverage) ratio | 9.5894% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1708% | 1,373 |
| Memoranda: | ||
| Average total assets | $224,358,000 | 2,893 |
| Average earning assets | $209,866,500 | 2,879 |
| Average equity | $18,563,000 | 3,108 |
| Average total loans | $113,844,250 | 2,998 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 2,307 |
| Cost of funding earning assets | 0.1392% | 3,722 |
| Net interest margin | 3.3076% | 1,885 |
| Noninterest income to average assets | 1.0027% | 659 |
| Noninterest expense to average assets | 2.4508% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2652% | 1,241 |
| Return on assets (ROA) | 1.2523% | 1,258 |
| Pretax return on assets | 1.6293% | 882 |
| Return on Equity (ROE) | 14.7524% | 948 |
| Retained earnings to average equity (ytd only) | 14.7524% | 286 |
| Net charge-offs to loans | -0.0092% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8266% | 3,323 |
| Assets per employee ($millions) | 5.4112% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,344 |
| 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 | 52.1525% | 3,135 |
| Net loans and leases to deposits | 57.1157% | 3,297 |
| Net loans and leases to core deposits | 58.2809% | 3,408 |
| Total domestic deposits to total assets | 91.3102% | 1,101 |
| Equity capital to assets | 8.0497% | 3,083 |
| Core capital (leverage) ratio | 9.6088% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0357% | 1,177 |
| Memoranda: | ||
| Average total assets | $219,598,333 | 2,950 |
| Average earning assets | $205,404,000 | 2,953 |
| Average equity | $18,641,000 | 3,176 |
| Average total loans | $108,362,333 | 3,087 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1830% | 2,738 |
| Cost of funding earning assets | 0.1385% | 3,654 |
| Net interest margin | 3.0445% | 2,349 |
| Noninterest income to average assets | 1.0308% | 644 |
| Noninterest expense to average assets | 2.4754% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0898% | 1,553 |
| Return on assets (ROA) | 1.0638% | 1,635 |
| Pretax return on assets | 1.3805% | 1,293 |
| Return on Equity (ROE) | 12.2110% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.2110% | 572 |
| Net charge-offs to loans | -0.0116% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6535% | 3,076 |
| Assets per employee ($millions) | 5.7393% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 1,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.3896% | 3,453 |
| Net loans and leases to deposits | 52.0159% | 3,567 |
| Net loans and leases to core deposits | 53.1988% | 3,650 |
| Total domestic deposits to total assets | 91.1058% | 979 |
| Equity capital to assets | 8.2106% | 3,391 |
| Core capital (leverage) ratio | 9.3066% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9964% | 1,045 |
| Memoranda: | ||
| Average total assets | $218,468,000 | 2,973 |
| Average earning assets | $205,089,000 | 2,965 |
| Average equity | $19,032,000 | 3,236 |
| Average total loans | $103,796,000 | 3,141 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 1,809 |
| Cost of funding earning assets | 0.1642% | 3,831 |
| Net interest margin | 3.6607% | 1,312 |
| Noninterest income to average assets | 1.2660% | 662 |
| Noninterest expense to average assets | 2.8053% | 1,348 |
| Loan and lease loss provision to assets | -0.0394% | 4,309 |
| Net operating income to assets | 1.4774% | 1,069 |
| Return on assets (ROA) | 1.4680% | 1,148 |
| Pretax return on assets | 1.9319% | 681 |
| Return on Equity (ROE) | 16.1426% | 730 |
| Retained earnings to average equity (ytd only) | 13.7670% | 326 |
| Net charge-offs to loans | -0.0821% | 4,518 |
| Credit loss provision to net charge-offs | 90.1235% | 1,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5642% | 3,220 |
| Assets per employee ($millions) | 5.6080% | 3,156 |
| Cash dividends to net income (ytd only)* | 14.7167% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.9616% | 3,695 |
| Net loans and leases to deposits | 50.9281% | 3,811 |
| Net loans and leases to core deposits | 52.0729% | 3,890 |
| Total domestic deposits to total assets | 90.2480% | 843 |
| Equity capital to assets | 9.2377% | 3,382 |
| Core capital (leverage) ratio | 9.5286% | 2,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2520% | 997 |
| Memoranda: | ||
| Average total assets | $185,151,200 | 3,164 |
| Average earning assets | $174,174,800 | 3,136 |
| Average equity | $16,837,400 | 3,480 |
| Average total loans | $98,621,600 | 3,214 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 1,464 |
| Cost of funding earning assets | 0.1703% | 3,918 |
| Net interest margin | 3.8617% | 1,001 |
| Noninterest income to average assets | 1.3119% | 686 |
| Noninterest expense to average assets | 2.6679% | 1,673 |
| Loan and lease loss provision to assets | -0.0544% | 4,473 |
| Net operating income to assets | 1.7671% | 720 |
| Return on assets (ROA) | 1.7594% | 764 |
| Pretax return on assets | 2.3214% | 451 |
| Return on Equity (ROE) | 19.4390% | 468 |
| Retained earnings to average equity (ytd only) | 16.9585% | 242 |
| Net charge-offs to loans | -0.1071% | 4,640 |
| Credit loss provision to net charge-offs | 92.4051% | 1,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9579% | 3,819 |
| Assets per employee ($millions) | 5.4462% | 3,258 |
| Cash dividends to net income (ytd only)* | 12.7605% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.0322% | 3,712 |
| Net loans and leases to deposits | 52.1968% | 3,866 |
| Net loans and leases to core deposits | 53.4059% | 3,955 |
| Total domestic deposits to total assets | 90.1055% | 729 |
| Equity capital to assets | 9.4910% | 3,379 |
| Core capital (leverage) ratio | 10.1139% | 2,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2644% | 915 |
| Memoranda: | ||
| Average total assets | $178,163,000 | 3,259 |
| Average earning assets | $167,588,500 | 3,239 |
| Average equity | $16,125,250 | 3,574 |
| Average total loans | $98,344,250 | 3,263 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 674 |
| Cost of funding earning assets | 0.1833% | 3,920 |
| Net interest margin | 4.3681% | 436 |
| Noninterest income to average assets | 1.3016% | 685 |
| Noninterest expense to average assets | 2.7253% | 1,526 |
| Loan and lease loss provision to assets | -0.0866% | 4,597 |
| Net operating income to assets | 2.0898% | 414 |
| Return on assets (ROA) | 2.0823% | 439 |
| Pretax return on assets | 2.7526% | 242 |
| Return on Equity (ROE) | 23.4736% | 241 |
| Retained earnings to average equity (ytd only) | 20.7985% | 140 |
| Net charge-offs to loans | -0.1550% | 4,737 |
| Credit loss provision to net charge-offs | 96.0526% | 1,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4613% | 4,195 |
| Assets per employee ($millions) | 4.5480% | 4,067 |
| Cash dividends to net income (ytd only)* | 11.3960% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8318% | 840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 53.7796% | 3,156 |
| Net loans and leases to deposits | 59.2580% | 3,448 |
| Net loans and leases to core deposits | 60.4159% | 3,591 |
| Total domestic deposits to total assets | 90.7550% | 458 |
| Equity capital to assets | 8.8515% | 3,926 |
| Core capital (leverage) ratio | 9.0449% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0977% | 1,097 |
| Memoranda: | ||
| Average total assets | $168,566,000 | 3,355 |
| Average earning assets | $158,193,000 | 3,330 |
| Average equity | $14,953,000 | 3,686 |
| Average total loans | $98,086,333 | 3,282 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6259% | 2,556 |
| Cost of funding earning assets | 0.1921% | 3,991 |
| Net interest margin | 3.4338% | 2,008 |
| Noninterest income to average assets | 2.9385% | 205 |
| Noninterest expense to average assets | 2.7339% | 1,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.5947% | 234 |
| Return on assets (ROA) | 2.5755% | 258 |
| Pretax return on assets | 3.4039% | 158 |
| Return on Equity (ROE) | 28.9996% | 158 |
| Retained earnings to average equity (ytd only) | 26.2560% | 113 |
| Net charge-offs to loans | -0.0122% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3654% | 4,560 |
| Assets per employee ($millions) | 4.7686% | 3,869 |
| Cash dividends to net income (ytd only)* | 9.4607% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 56.0226% | 3,033 |
| Net loans and leases to deposits | 61.6927% | 3,351 |
| Net loans and leases to core deposits | 62.8338% | 3,511 |
| Total domestic deposits to total assets | 90.8091% | 471 |
| Equity capital to assets | 8.7528% | 3,912 |
| Core capital (leverage) ratio | 9.2008% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6030% | 981 |
| Memoranda: | ||
| Average total assets | $164,163,000 | 3,390 |
| Average earning assets | $154,114,500 | 3,373 |
| Average equity | $14,579,500 | 3,736 |
| Average total loans | $98,544,500 | 3,281 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 1,532 |
| Cost of funding earning assets | 0.2405% | 4,423 |
| Net interest margin | 4.1767% | 676 |
| Noninterest income to average assets | 1.9687% | 339 |
| Noninterest expense to average assets | 3.3673% | 829 |
| Loan and lease loss provision to assets | 0.4827% | 538 |
| Net operating income to assets | 1.5138% | 785 |
| Return on assets (ROA) | 1.5320% | 803 |
| Pretax return on assets | 2.0283% | 432 |
| Return on Equity (ROE) | 16.7369% | 435 |
| Retained earnings to average equity (ytd only) | 14.3862% | 178 |
| Net charge-offs to loans | -0.0073% | 4,203 |
| Credit loss provision to net charge-offs | -9,614.2857% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5086% | 3,790 |
| Assets per employee ($millions) | 4.3516% | 4,072 |
| Cash dividends to net income (ytd only)* | 14.0449% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 62.1476% | 2,589 |
| Net loans and leases to deposits | 68.6475% | 3,015 |
| Net loans and leases to core deposits | 69.9180% | 3,258 |
| Total domestic deposits to total assets | 90.5315% | 362 |
| Equity capital to assets | 9.0217% | 4,031 |
| Core capital (leverage) ratio | 8.8489% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5639% | 1,388 |
| Memoranda: | ||
| Average total assets | $139,429,000 | 3,516 |
| Average earning assets | $129,744,200 | 3,508 |
| Average equity | $12,762,200 | 3,888 |
| Average total loans | $95,610,800 | 3,307 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6111% | 1,273 |
| Cost of funding earning assets | 0.2509% | 4,510 |
| Net interest margin | 4.3603% | 510 |
| Noninterest income to average assets | 2.2014% | 289 |
| Noninterest expense to average assets | 3.3036% | 905 |
| Loan and lease loss provision to assets | 0.6520% | 361 |
| Net operating income to assets | 1.7291% | 543 |
| Return on assets (ROA) | 1.7524% | 571 |
| Pretax return on assets | 2.3228% | 267 |
| Return on Equity (ROE) | 19.0663% | 293 |
| Retained earnings to average equity (ytd only) | 15.8457% | 165 |
| Net charge-offs to loans | -0.0056% | 4,077 |
| Credit loss provision to net charge-offs | -16,525.0000% | 4,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8659% | 4,267 |
| Assets per employee ($millions) | 4.4933% | 3,855 |
| Cash dividends to net income (ytd only)* | 16.8919% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.8786% | 2,783 |
| Net loans and leases to deposits | 70.1165% | 3,307 |
| Net loans and leases to core deposits | 71.3992% | 3,528 |
| Total domestic deposits to total assets | 91.1035% | 154 |
| Equity capital to assets | 8.4075% | 4,513 |
| Core capital (leverage) ratio | 8.6954% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9321% | 1,521 |
| Memoranda: | ||
| Average total assets | $135,122,250 | 3,561 |
| Average earning assets | $125,432,250 | 3,549 |
| Average equity | $12,419,500 | 3,934 |
| Average total loans | $94,729,750 | 3,332 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 954 |
| Cost of funding earning assets | 0.2733% | 4,557 |
| Net interest margin | 4.6392% | 389 |
| Noninterest income to average assets | 2.5536% | 219 |
| Noninterest expense to average assets | 3.5055% | 743 |
| Loan and lease loss provision to assets | 1.0161% | 202 |
| Net operating income to assets | 1.7624% | 548 |
| Return on assets (ROA) | 1.7958% | 556 |
| Pretax return on assets | 2.3798% | 262 |
| Return on Equity (ROE) | 18.8776% | 313 |
| Retained earnings to average equity (ytd only) | 15.5859% | 195 |
| Net charge-offs to loans | -0.0043% | 3,974 |
| Credit loss provision to net charge-offs | -32,450.0000% | 4,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1071% | 4,428 |
| Assets per employee ($millions) | 3.7750% | 4,490 |
| Cash dividends to net income (ytd only)* | 17.4368% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.4188% | 1,966 |
| Net loans and leases to deposits | 77.7302% | 2,688 |
| Net loans and leases to core deposits | 79.2984% | 3,002 |
| Total domestic deposits to total assets | 90.5939% | 254 |
| Equity capital to assets | 8.8450% | 4,215 |
| Core capital (leverage) ratio | 9.4196% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0213% | 1,480 |
| Memoranda: | ||
| Average total assets | $127,741,667 | 3,623 |
| Average earning assets | $118,555,333 | 3,614 |
| Average equity | $12,152,000 | 3,968 |
| Average total loans | $92,232,667 | 3,368 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3405% | 507 |
| Cost of funding earning assets | 0.3107% | 4,624 |
| Net interest margin | 5.0298% | 178 |
| Noninterest income to average assets | 1.6282% | 344 |
| Noninterest expense to average assets | 3.6634% | 732 |
| Loan and lease loss provision to assets | 0.1935% | 1,557 |
| Net operating income to assets | 1.8215% | 391 |
| Return on assets (ROA) | 1.8584% | 401 |
| Pretax return on assets | 2.4623% | 178 |
| Return on Equity (ROE) | 18.7479% | 223 |
| Retained earnings to average equity (ytd only) | 12.0162% | 429 |
| Net charge-offs to loans | -0.0092% | 4,049 |
| Credit loss provision to net charge-offs | -2,900.0000% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4043% | 3,948 |
| Assets per employee ($millions) | 3.1590% | 4,714 |
| Cash dividends to net income (ytd only)* | 35.9066% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 2,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.9115% | 1,620 |
| Net loans and leases to deposits | 82.9628% | 2,336 |
| Net loans and leases to core deposits | 85.0764% | 2,753 |
| Total domestic deposits to total assets | 89.0899% | 624 |
| Equity capital to assets | 10.3146% | 3,507 |
| Core capital (leverage) ratio | 10.1361% | 3,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7572% | 1,671 |
| Memoranda: | ||
| Average total assets | $119,888,000 | 3,703 |
| Average earning assets | $110,701,000 | 3,706 |
| Average equity | $11,884,000 | 4,010 |
| Average total loans | $86,967,500 | 3,459 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5722% | 497 |
| Cost of funding earning assets | 0.2984% | 4,733 |
| Net interest margin | 5.2739% | 161 |
| Noninterest income to average assets | 1.3751% | 512 |
| Noninterest expense to average assets | 3.9502% | 563 |
| Loan and lease loss provision to assets | 0.0989% | 2,072 |
| Net operating income to assets | 1.6716% | 706 |
| Return on assets (ROA) | 1.6917% | 716 |
| Pretax return on assets | 2.2413% | 352 |
| Return on Equity (ROE) | 17.8332% | 354 |
| Retained earnings to average equity (ytd only) | 14.9646% | 94 |
| Net charge-offs to loans | -0.0135% | 4,547 |
| Credit loss provision to net charge-offs | -990.9091% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0520% | 3,216 |
| Assets per employee ($millions) | 3.3214% | 4,626 |
| Cash dividends to net income (ytd only)* | 16.0858% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 69.4027% | 2,492 |
| Net loans and leases to deposits | 77.1704% | 3,078 |
| Net loans and leases to core deposits | 82.0579% | 3,115 |
| Total domestic deposits to total assets | 89.9343% | 341 |
| Equity capital to assets | 9.5302% | 4,329 |
| Core capital (leverage) ratio | 9.6118% | 3,948 |
| Tier 1 risk-based capital ratio | 14.0780% | 3,230 |
| Total risk-based capital ratio | 15.3291% | 3,138 |
| Memoranda: | ||
| Average total assets | $110,246,400 | 3,826 |
| Average earning assets | $102,221,000 | 3,828 |
| Average equity | $10,458,000 | 4,181 |
| Average total loans | $81,313,600 | 3,572 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5532% | 535 |
| Cost of funding earning assets | 0.2787% | 4,848 |
| Net interest margin | 5.2745% | 174 |
| Noninterest income to average assets | 1.3049% | 546 |
| Noninterest expense to average assets | 3.8162% | 643 |
| Loan and lease loss provision to assets | 0.1208% | 1,621 |
| Net operating income to assets | 1.7109% | 729 |
| Return on assets (ROA) | 1.7444% | 720 |
| Pretax return on assets | 2.3109% | 362 |
| Return on Equity (ROE) | 18.4134% | 360 |
| Retained earnings to average equity (ytd only) | 14.4705% | 180 |
| Net charge-offs to loans | -0.0150% | 4,501 |
| Credit loss provision to net charge-offs | -1,077.7778% | 4,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4968% | 3,404 |
| Assets per employee ($millions) | 3.3432% | 4,634 |
| Cash dividends to net income (ytd only)* | 21.4133% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.7613% | 2,662 |
| Net loans and leases to deposits | 76.1641% | 3,278 |
| Net loans and leases to core deposits | 81.1675% | 3,301 |
| Total domestic deposits to total assets | 90.2804% | 219 |
| Equity capital to assets | 9.0898% | 4,734 |
| Core capital (leverage) ratio | 9.3435% | 4,335 |
| Tier 1 risk-based capital ratio | 13.5175% | 3,564 |
| Total risk-based capital ratio | 14.7682% | 3,470 |
| Memoranda: | ||
| Average total assets | $107,084,750 | 3,911 |
| Average earning assets | $99,495,750 | 3,912 |
| Average equity | $10,144,500 | 4,263 |
| Average total loans | $80,045,000 | 3,641 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 546 |
| Cost of funding earning assets | 0.2480% | 4,964 |
| Net interest margin | 5.2731% | 172 |
| Noninterest income to average assets | 1.1935% | 600 |
| Noninterest expense to average assets | 3.9745% | 555 |
| Loan and lease loss provision to assets | 0.0079% | 3,578 |
| Net operating income to assets | 1.5946% | 921 |
| Return on assets (ROA) | 1.5993% | 958 |
| Pretax return on assets | 2.1173% | 530 |
| Return on Equity (ROE) | 16.6087% | 508 |
| Retained earnings to average equity (ytd only) | 10.4725% | 643 |
| Net charge-offs to loans | -0.0154% | 4,460 |
| Credit loss provision to net charge-offs | -66.6667% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2230% | 2,940 |
| Assets per employee ($millions) | 2.9747% | 4,923 |
| Cash dividends to net income (ytd only)* | 36.9458% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 76.8382% | 1,411 |
| Net loans and leases to deposits | 85.4289% | 2,323 |
| Net loans and leases to core deposits | 88.0601% | 2,789 |
| Total domestic deposits to total assets | 89.9440% | 350 |
| Equity capital to assets | 9.4341% | 4,468 |
| Core capital (leverage) ratio | 10.0869% | 3,509 |
| Tier 1 risk-based capital ratio | 12.8698% | 3,904 |
| Total risk-based capital ratio | 14.1194% | 3,813 |
| Memoranda: | ||
| Average total assets | $101,546,670 | 4,039 |
| Average earning assets | $94,366,000 | 4,029 |
| Average equity | $9,778,000 | 4,332 |
| Average total loans | $78,013,330 | 3,693 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 607 |
| Cost of funding earning assets | 0.2207% | 5,066 |
| Net interest margin | 5.1964% | 202 |
| Noninterest income to average assets | 1.3080% | 497 |
| Noninterest expense to average assets | 4.1589% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5227% | 1,065 |
| Return on assets (ROA) | 1.5227% | 1,088 |
| Pretax return on assets | 2.0127% | 628 |
| Return on Equity (ROE) | 15.6414% | 644 |
| Retained earnings to average equity (ytd only) | 9.4015% | 1,191 |
| Net charge-offs to loans | -0.0159% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3885% | 2,726 |
| Assets per employee ($millions) | 2.7618% | 5,093 |
| Cash dividends to net income (ytd only)* | 39.8936% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 2,057 |
| Loan loss allowance to noncurrent loans | 49,000.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,887 |
| Noncurrent loans to loans | 0.0027% | 4,798 |
| Net loans and leases to total assets | 74.4063% | 1,729 |
| Net loans and leases to deposits | 83.0885% | 2,494 |
| Net loans and leases to core deposits | 86.0068% | 2,868 |
| Total domestic deposits to total assets | 89.5507% | 621 |
| Equity capital to assets | 9.8146% | 4,000 |
| Core capital (leverage) ratio | 10.1798% | 3,412 |
| Tier 1 risk-based capital ratio | 13.7827% | 3,457 |
| Total risk-based capital ratio | 15.0341% | 3,363 |
| Memoranda: | ||
| Average total assets | $98,775,000 | 4,128 |
| Average earning assets | $92,448,500 | 4,102 |
| Average equity | $9,615,500 | 4,387 |
| Average total loans | $75,383,500 | 3,777 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2524% | 634 |
| Cost of funding earning assets | 0.2112% | 4,957 |
| Net interest margin | 5.0412% | 244 |
| Noninterest income to average assets | 1.1994% | 638 |
| Noninterest expense to average assets | 3.8689% | 630 |
| Loan and lease loss provision to assets | 0.0228% | 3,715 |
| Net operating income to assets | 1.4916% | 1,143 |
| Return on assets (ROA) | 1.4793% | 1,164 |
| Pretax return on assets | 2.0184% | 541 |
| Return on Equity (ROE) | 15.8485% | 662 |
| Retained earnings to average equity (ytd only) | 11.4060% | 382 |
| Net charge-offs to loans | -0.0112% | 4,527 |
| Credit loss provision to net charge-offs | -275.0000% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2904% | 2,989 |
| Assets per employee ($millions) | 2.7258% | 5,125 |
| Cash dividends to net income (ytd only)* | 28.0308% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.2614% | 1,564 |
| Net loans and leases to deposits | 87.9478% | 2,048 |
| Net loans and leases to core deposits | 91.1797% | 2,480 |
| Total domestic deposits to total assets | 86.7121% | 1,910 |
| Equity capital to assets | 9.6538% | 4,001 |
| Core capital (leverage) ratio | 9.9293% | 3,669 |
| Tier 1 risk-based capital ratio | 13.2836% | 3,670 |
| Total risk-based capital ratio | 14.5343% | 3,554 |
| Memoranda: | ||
| Average total assets | $96,461,800 | 4,162 |
| Average earning assets | $90,434,600 | 4,138 |
| Average equity | $9,004,000 | 4,461 |
| Average total loans | $71,712,200 | 3,836 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 621 |
| Cost of funding earning assets | 0.2161% | 4,964 |
| Net interest margin | 4.9878% | 272 |
| Noninterest income to average assets | 1.1827% | 672 |
| Noninterest expense to average assets | 3.6746% | 780 |
| Loan and lease loss provision to assets | 0.0250% | 3,517 |
| Net operating income to assets | 1.6339% | 886 |
| Return on assets (ROA) | 1.6339% | 890 |
| Pretax return on assets | 2.1600% | 423 |
| Return on Equity (ROE) | 17.6588% | 467 |
| Retained earnings to average equity (ytd only) | 13.1578% | 341 |
| Net charge-offs to loans | -0.0151% | 4,520 |
| Credit loss provision to net charge-offs | -225.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7103% | 3,391 |
| Assets per employee ($millions) | 2.9859% | 5,045 |
| Cash dividends to net income (ytd only)* | 25.4886% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 1,789 |
| Loan loss allowance to noncurrent loans | 48,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,029 |
| Noncurrent loans to loans | 0.0028% | 4,936 |
| Net loans and leases to total assets | 70.5465% | 2,559 |
| Net loans and leases to deposits | 78.4421% | 3,192 |
| Net loans and leases to core deposits | 80.9185% | 3,412 |
| Total domestic deposits to total assets | 89.9345% | 533 |
| Equity capital to assets | 9.4251% | 4,159 |
| Core capital (leverage) ratio | 9.5791% | 4,084 |
| Tier 1 risk-based capital ratio | 13.9828% | 3,384 |
| Total risk-based capital ratio | 15.2350% | 3,289 |
| Memoranda: | ||
| Average total assets | $96,045,500 | 4,210 |
| Average earning assets | $90,058,250 | 4,187 |
| Average equity | $8,886,750 | 4,517 |
| Average total loans | $70,687,750 | 3,893 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 626 |
| Cost of funding earning assets | 0.2330% | 4,832 |
| Net interest margin | 4.8954% | 307 |
| Noninterest income to average assets | 1.1532% | 729 |
| Noninterest expense to average assets | 3.6528% | 817 |
| Loan and lease loss provision to assets | 0.0252% | 3,413 |
| Net operating income to assets | 1.5607% | 1,007 |
| Return on assets (ROA) | 1.5607% | 1,015 |
| Pretax return on assets | 2.0648% | 521 |
| Return on Equity (ROE) | 16.9764% | 527 |
| Retained earnings to average equity (ytd only) | 12.4067% | 464 |
| Net charge-offs to loans | -0.0141% | 4,437 |
| Credit loss provision to net charge-offs | -240.0000% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6064% | 3,372 |
| Assets per employee ($millions) | 2.8034% | 5,215 |
| Cash dividends to net income (ytd only)* | 26.9179% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 2,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.2119% | 1,759 |
| Net loans and leases to deposits | 83.5760% | 2,583 |
| Net loans and leases to core deposits | 85.6540% | 2,954 |
| Total domestic deposits to total assets | 89.9922% | 579 |
| Equity capital to assets | 9.4223% | 4,174 |
| Core capital (leverage) ratio | 9.5595% | 4,045 |
| Tier 1 risk-based capital ratio | 13.3954% | 3,676 |
| Total risk-based capital ratio | 14.6451% | 3,594 |
| Memoranda: | ||
| Average total assets | $95,215,670 | 4,262 |
| Average earning assets | $89,267,670 | 4,236 |
| Average equity | $8,753,330 | 4,571 |
| Average total loans | $70,755,330 | 3,914 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 742 |
| Cost of funding earning assets | 0.2462% | 4,738 |
| Net interest margin | 4.7219% | 394 |
| Noninterest income to average assets | 1.1559% | 691 |
| Noninterest expense to average assets | 3.6063% | 866 |
| Loan and lease loss provision to assets | 0.0252% | 3,186 |
| Net operating income to assets | 1.4837% | 1,116 |
| Return on assets (ROA) | 1.4837% | 1,118 |
| Pretax return on assets | 1.9587% | 635 |
| Return on Equity (ROE) | 16.3435% | 573 |
| Retained earnings to average equity (ytd only) | 11.7136% | 737 |
| Net charge-offs to loans | -0.0115% | 4,310 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5113% | 3,399 |
| Assets per employee ($millions) | 3.0883% | 5,098 |
| Cash dividends to net income (ytd only)* | 28.3286% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 1,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 72.5955% | 2,077 |
| Net loans and leases to deposits | 80.4342% | 2,760 |
| Net loans and leases to core deposits | 82.6594% | 3,090 |
| Total domestic deposits to total assets | 90.2544% | 561 |
| Equity capital to assets | 9.1126% | 4,444 |
| Core capital (leverage) ratio | 9.3471% | 4,259 |
| Tier 1 risk-based capital ratio | 13.1949% | 3,852 |
| Total risk-based capital ratio | 14.4448% | 3,746 |
| Memoranda: | ||
| Average total assets | $95,165,500 | 4,302 |
| Average earning assets | $89,371,000 | 4,277 |
| Average equity | $8,639,500 | 4,633 |
| Average total loans | $69,806,500 | 3,971 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8782% | 839 |
| Cost of funding earning assets | 0.2360% | 4,680 |
| Net interest margin | 4.6421% | 457 |
| Noninterest income to average assets | 0.9670% | 1,102 |
| Noninterest expense to average assets | 3.8048% | 693 |
| Loan and lease loss provision to assets | 0.0056% | 4,152 |
| Net operating income to assets | 0.9616% | 2,398 |
| Return on assets (ROA) | 0.9637% | 2,425 |
| Pretax return on assets | 1.5106% | 1,599 |
| Return on Equity (ROE) | 10.4847% | 1,681 |
| Retained earnings to average equity (ytd only) | 7.4614% | 934 |
| Net charge-offs to loans | -0.0157% | 4,892 |
| Credit loss provision to net charge-offs | -50.0000% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5510% | 2,298 |
| Assets per employee ($millions) | 2.7822% | 5,337 |
| Cash dividends to net income (ytd only)* | 28.8351% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 1,889 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.1085% | 2,220 |
| Net loans and leases to deposits | 83.1831% | 2,584 |
| Net loans and leases to core deposits | 85.6062% | 2,940 |
| Total domestic deposits to total assets | 86.6864% | 2,158 |
| Equity capital to assets | 9.0438% | 4,675 |
| Core capital (leverage) ratio | 9.2302% | 4,367 |
| Tier 1 risk-based capital ratio | 13.0952% | 3,850 |
| Total risk-based capital ratio | 14.3446% | 3,760 |
| Memoranda: | ||
| Average total assets | $89,966,000 | 4,426 |
| Average earning assets | $84,314,600 | 4,397 |
| Average equity | $8,269,200 | 4,740 |
| Average total loans | $63,607,000 | 4,108 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8179% | 894 |
| Cost of funding earning assets | 0.2358% | 4,694 |
| Net interest margin | 4.5822% | 504 |
| Noninterest income to average assets | 0.9233% | 1,205 |
| Noninterest expense to average assets | 3.6512% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9970% | 2,568 |
| Return on assets (ROA) | 0.9999% | 2,609 |
| Pretax return on assets | 1.5659% | 1,527 |
| Return on Equity (ROE) | 10.8320% | 1,764 |
| Retained earnings to average equity (ytd only) | 8.3923% | 1,059 |
| Net charge-offs to loans | -0.0171% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0461% | 2,526 |
| Assets per employee ($millions) | 3.0993% | 5,174 |
| Cash dividends to net income (ytd only)* | 22.5230% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 65.5610% | 3,167 |
| Net loans and leases to deposits | 72.8096% | 3,688 |
| Net loans and leases to core deposits | 74.8132% | 3,902 |
| Total domestic deposits to total assets | 90.0444% | 458 |
| Equity capital to assets | 8.8367% | 5,046 |
| Core capital (leverage) ratio | 9.1743% | 4,546 |
| Tier 1 risk-based capital ratio | 13.8646% | 3,504 |
| Total risk-based capital ratio | 15.1171% | 3,434 |
| Memoranda: | ||
| Average total assets | $88,808,750 | 4,488 |
| Average earning assets | $83,132,000 | 4,456 |
| Average equity | $8,197,750 | 4,802 |
| Average total loans | $62,219,250 | 4,178 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 761 |
| Cost of funding earning assets | 0.2429% | 4,613 |
| Net interest margin | 4.6171% | 467 |
| Noninterest income to average assets | 0.9076% | 1,251 |
| Noninterest expense to average assets | 3.7483% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9402% | 2,719 |
| Return on assets (ROA) | 0.9446% | 2,751 |
| Pretax return on assets | 1.4794% | 1,723 |
| Return on Equity (ROE) | 10.0737% | 2,007 |
| Retained earnings to average equity (ytd only) | 6.3701% | 1,919 |
| Net charge-offs to loans | -0.0162% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7960% | 2,382 |
| Assets per employee ($millions) | 3.1320% | 5,164 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.3205% | 2,618 |
| Net loans and leases to deposits | 77.5468% | 3,159 |
| Net loans and leases to core deposits | 79.9043% | 3,427 |
| Total domestic deposits to total assets | 89.3919% | 763 |
| Equity capital to assets | 9.4154% | 4,500 |
| Core capital (leverage) ratio | 9.6083% | 4,013 |
| Tier 1 risk-based capital ratio | 13.8336% | 3,514 |
| Total risk-based capital ratio | 15.0871% | 3,432 |
| Memoranda: | ||
| Average total assets | $86,386,000 | 4,554 |
| Average earning assets | $80,700,670 | 4,524 |
| Average equity | $8,100,330 | 4,841 |
| Average total loans | $61,649,330 | 4,214 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 748 |
| Cost of funding earning assets | 0.0798% | 5,717 |
| Net interest margin | 4.7184% | 365 |
| Noninterest income to average assets | 0.7232% | 1,859 |
| Noninterest expense to average assets | 3.8586% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8216% | 3,116 |
| Return on assets (ROA) | 0.8305% | 3,133 |
| Pretax return on assets | 1.2924% | 2,262 |
| Return on Equity (ROE) | 8.8756% | 2,474 |
| Retained earnings to average equity (ytd only) | 8.8756% | 1,121 |
| Net charge-offs to loans | -0.0195% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1135% | 2,050 |
| Assets per employee ($millions) | 3.0085% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 1,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.4712% | 2,301 |
| Net loans and leases to deposits | 78.7479% | 2,896 |
| Net loans and leases to core deposits | 81.1477% | 3,181 |
| Total domestic deposits to total assets | 89.4896% | 900 |
| Equity capital to assets | 9.3000% | 4,512 |
| Core capital (leverage) ratio | 9.5880% | 4,018 |
| Tier 1 risk-based capital ratio | 13.5236% | 3,767 |
| Total risk-based capital ratio | 14.7741% | 3,672 |
| Memoranda: | ||
| Average total assets | $85,730,500 | 4,611 |
| Average earning assets | $80,196,500 | 4,579 |
| Average equity | $8,022,000 | 4,895 |
| Average total loans | $61,609,500 | 4,254 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 909 |
| Cost of funding earning assets | 0.2572% | 4,499 |
| Net interest margin | 4.5315% | 582 |
| Noninterest income to average assets | 1.0195% | 1,089 |
| Noninterest expense to average assets | 3.8345% | 750 |
| Loan and lease loss provision to assets | 0.0145% | 4,090 |
| Net operating income to assets | 0.9076% | 2,779 |
| Return on assets (ROA) | 0.9207% | 2,837 |
| Pretax return on assets | 1.4376% | 1,792 |
| Return on Equity (ROE) | 9.9000% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.0125% | 1,697 |
| Net charge-offs to loans | 0.0018% | 4,218 |
| Credit loss provision to net charge-offs | 1,200.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 1,188.0000% | 55 |
| Efficiency ratio | 72.8146% | 2,456 |
| Assets per employee ($millions) | 2.7166% | 5,553 |
| Cash dividends to net income (ytd only)* | 39.2670% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.0903% | 2,323 |
| Net loans and leases to deposits | 80.4526% | 2,842 |
| Net loans and leases to core deposits | 83.0243% | 3,125 |
| Total domestic deposits to total assets | 88.3630% | 1,459 |
| Equity capital to assets | 9.4165% | 4,357 |
| Core capital (leverage) ratio | 9.5466% | 4,024 |
| Tier 1 risk-based capital ratio | 13.4778% | 3,783 |
| Total risk-based capital ratio | 14.7284% | 3,679 |
| Memoranda: | ||
| Average total assets | $82,983,000 | 4,668 |
| Average earning assets | $77,767,400 | 4,631 |
| Average equity | $7,717,200 | 4,977 |
| Average total loans | $56,626,800 | 4,394 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 996 |
| Cost of funding earning assets | 0.2597% | 4,510 |
| Net interest margin | 4.4812% | 662 |
| Noninterest income to average assets | 0.8999% | 1,404 |
| Noninterest expense to average assets | 3.5624% | 1,051 |
| Loan and lease loss provision to assets | 0.0194% | 3,859 |
| Net operating income to assets | 0.9726% | 2,558 |
| Return on assets (ROA) | 0.9902% | 2,621 |
| Pretax return on assets | 1.5482% | 1,543 |
| Return on Equity (ROE) | 10.6818% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.4627% | 2,508 |
| Net charge-offs to loans | 0.0216% | 3,253 |
| Credit loss provision to net charge-offs | 133.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 106.1083% | 631 |
| Efficiency ratio | 69.8167% | 2,911 |
| Assets per employee ($millions) | 2.7457% | 5,581 |
| Cash dividends to net income (ytd only)* | 48.8597% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 1,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 4,887 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.2112% | 2,769 |
| Net loans and leases to deposits | 76.2493% | 3,376 |
| Net loans and leases to core deposits | 78.6252% | 3,599 |
| Total domestic deposits to total assets | 89.4582% | 694 |
| Equity capital to assets | 9.2660% | 4,899 |
| Core capital (leverage) ratio | 9.2801% | 4,484 |
| Tier 1 risk-based capital ratio | 13.4032% | 3,918 |
| Total risk-based capital ratio | 14.6568% | 3,827 |
| Memoranda: | ||
| Average total assets | $82,675,250 | 4,711 |
| Average earning assets | $77,537,250 | 4,678 |
| Average equity | $7,664,000 | 5,035 |
| Average total loans | $55,583,500 | 4,454 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 1,110 |
| Cost of funding earning assets | 0.2657% | 4,493 |
| Net interest margin | 4.4074% | 753 |
| Noninterest income to average assets | 0.7647% | 1,864 |
| Noninterest expense to average assets | 3.3862% | 1,401 |
| Loan and lease loss provision to assets | 0.0147% | 3,813 |
| Net operating income to assets | 0.9605% | 2,577 |
| Return on assets (ROA) | 0.9870% | 2,586 |
| Pretax return on assets | 1.5392% | 1,560 |
| Return on Equity (ROE) | 10.6460% | 1,788 |
| Retained earnings to average equity (ytd only) | 2.7406% | 4,161 |
| Net charge-offs to loans | -0.0220% | 4,987 |
| Credit loss provision to net charge-offs | -100.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1272% | 3,128 |
| Assets per employee ($millions) | 2.8048% | 5,604 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 1,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 69.2267% | 2,603 |
| Net loans and leases to deposits | 77.6365% | 3,188 |
| Net loans and leases to core deposits | 80.1757% | 3,446 |
| Total domestic deposits to total assets | 89.1677% | 837 |
| Equity capital to assets | 9.4689% | 4,798 |
| Core capital (leverage) ratio | 9.4119% | 4,321 |
| Tier 1 risk-based capital ratio | 13.7636% | 3,742 |
| Total risk-based capital ratio | 15.0196% | 3,659 |
| Memoranda: | ||
| Average total assets | $81,861,000 | 4,776 |
| Average earning assets | $76,779,330 | 4,736 |
| Average equity | $7,589,670 | 5,090 |
| Average total loans | $54,450,000 | 4,521 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 1,226 |
| Cost of funding earning assets | 0.2648% | 4,551 |
| Net interest margin | 4.3504% | 830 |
| Noninterest income to average assets | 0.8134% | 1,576 |
| Noninterest expense to average assets | 3.3852% | 1,416 |
| Loan and lease loss provision to assets | 0.0049% | 3,611 |
| Net operating income to assets | 0.9699% | 2,414 |
| Return on assets (ROA) | 1.0229% | 2,304 |
| Pretax return on assets | 1.5879% | 1,330 |
| Return on Equity (ROE) | 11.1502% | 1,549 |
| Retained earnings to average equity (ytd only) | 3.1858% | 3,914 |
| Net charge-offs to loans | -0.0226% | 4,915 |
| Credit loss provision to net charge-offs | -33.3333% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1542% | 3,275 |
| Assets per employee ($millions) | 3.1958% | 5,289 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7319% | 1,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 5,014 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.1657% | 3,359 |
| Net loans and leases to deposits | 70.5870% | 3,800 |
| Net loans and leases to core deposits | 72.8331% | 3,993 |
| Total domestic deposits to total assets | 89.4862% | 844 |
| Equity capital to assets | 9.1322% | 5,055 |
| Core capital (leverage) ratio | 9.3803% | 4,381 |
| Tier 1 risk-based capital ratio | 14.4309% | 3,429 |
| Total risk-based capital ratio | 15.6855% | 3,364 |
| Memoranda: | ||
| Average total assets | $82,121,500 | 4,813 |
| Average earning assets | $77,051,000 | 4,769 |
| Average equity | $7,533,500 | 5,135 |
| Average total loans | $53,054,000 | 4,589 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,029 |
| Cost of funding earning assets | 0.3116% | 4,121 |
| Net interest margin | 4.4265% | 751 |
| Noninterest income to average assets | 0.8311% | 1,669 |
| Noninterest expense to average assets | 3.4497% | 1,385 |
| Loan and lease loss provision to assets | 0.0268% | 3,850 |
| Net operating income to assets | 0.9603% | 2,574 |
| Return on assets (ROA) | 0.9563% | 2,664 |
| Pretax return on assets | 1.4835% | 1,609 |
| Return on Equity (ROE) | 9.9941% | 2,013 |
| Retained earnings to average equity (ytd only) | 2.6553% | 4,180 |
| Net charge-offs to loans | -0.0176% | 5,235 |
| Credit loss provision to net charge-offs | -233.3333% | 5,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4602% | 3,310 |
| Assets per employee ($millions) | 3.0056% | 5,516 |
| Cash dividends to net income (ytd only)* | 73.4312% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 1,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 5,015 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 63.8025% | 3,313 |
| Net loans and leases to deposits | 71.3074% | 3,786 |
| Net loans and leases to core deposits | 73.8932% | 3,952 |
| Total domestic deposits to total assets | 89.4753% | 871 |
| Equity capital to assets | 9.2160% | 4,883 |
| Core capital (leverage) ratio | 9.2185% | 4,584 |
| Tier 1 risk-based capital ratio | 14.5015% | 3,446 |
| Total risk-based capital ratio | 15.7552% | 3,354 |
| Memoranda: | ||
| Average total assets | $78,326,000 | 4,902 |
| Average earning assets | $73,173,400 | 4,875 |
| Average equity | $7,494,400 | 5,150 |
| Average total loans | $51,197,400 | 4,632 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7384% | 1,034 |
| Cost of funding earning assets | 0.3256% | 4,039 |
| Net interest margin | 4.4128% | 774 |
| Noninterest income to average assets | 0.8657% | 1,566 |
| Noninterest expense to average assets | 3.2895% | 1,717 |
| Loan and lease loss provision to assets | 0.0361% | 3,493 |
| Net operating income to assets | 1.0688% | 2,137 |
| Return on assets (ROA) | 1.0633% | 2,252 |
| Pretax return on assets | 1.6525% | 1,230 |
| Return on Equity (ROE) | 11.0067% | 1,708 |
| Retained earnings to average equity (ytd only) | 3.8941% | 3,701 |
| Net charge-offs to loans | -0.0184% | 5,182 |
| Credit loss provision to net charge-offs | -300.0000% | 5,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9662% | 3,898 |
| Assets per employee ($millions) | 3.2274% | 5,245 |
| Cash dividends to net income (ytd only)* | 64.6206% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 1,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 5,198 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.4751% | 3,672 |
| Net loans and leases to deposits | 68.5989% | 4,136 |
| Net loans and leases to core deposits | 71.2864% | 4,248 |
| Total domestic deposits to total assets | 89.6153% | 725 |
| Equity capital to assets | 9.0285% | 5,283 |
| Core capital (leverage) ratio | 9.4618% | 4,349 |
| Tier 1 risk-based capital ratio | 14.5512% | 3,534 |
| Total risk-based capital ratio | 15.8076% | 3,451 |
| Memoranda: | ||
| Average total assets | $77,619,500 | 4,973 |
| Average earning assets | $72,484,000 | 4,941 |
| Average equity | $7,498,250 | 5,210 |
| Average total loans | $50,822,250 | 4,685 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 900 |
| Cost of funding earning assets | 0.3521% | 3,781 |
| Net interest margin | 4.4410% | 705 |
| Noninterest income to average assets | 0.9110% | 1,409 |
| Noninterest expense to average assets | 3.3739% | 1,524 |
| Loan and lease loss provision to assets | 0.0556% | 2,997 |
| Net operating income to assets | 1.0466% | 2,151 |
| Return on assets (ROA) | 1.0381% | 2,302 |
| Pretax return on assets | 1.6101% | 1,301 |
| Return on Equity (ROE) | 10.4920% | 1,855 |
| Retained earnings to average equity (ytd only) | 3.8007% | 3,589 |
| Net charge-offs to loans | 0.1552% | 1,548 |
| Credit loss provision to net charge-offs | 53.8462% | 2,661 |
| Earnings coverage of net charge-offs (x) | 16.2564% | 1,921 |
| Efficiency ratio | 66.7715% | 3,874 |
| Assets per employee ($millions) | 2.9958% | 5,600 |
| Cash dividends to net income (ytd only)* | 63.7755% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 1,519 |
| Loan loss allowance to noncurrent loans | 21,825.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 5,227 |
| Noncurrent loans to loans | 0.0080% | 5,737 |
| Net loans and leases to total assets | 65.7173% | 3,001 |
| Net loans and leases to deposits | 74.2390% | 3,465 |
| Net loans and leases to core deposits | 77.9041% | 3,588 |
| Total domestic deposits to total assets | 88.5213% | 1,402 |
| Equity capital to assets | 10.0073% | 4,032 |
| Core capital (leverage) ratio | 10.1370% | 3,417 |
| Tier 1 risk-based capital ratio | 14.6411% | 3,556 |
| Total risk-based capital ratio | 15.8968% | 3,483 |
| Memoranda: | ||
| Average total assets | $75,522,000 | 5,064 |
| Average earning assets | $70,434,000 | 5,030 |
| Average equity | $7,472,330 | 5,265 |
| Average total loans | $50,261,670 | 4,741 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8088% | 847 |
| Cost of funding earning assets | 0.3560% | 3,794 |
| Net interest margin | 4.4528% | 659 |
| Noninterest income to average assets | 1.1762% | 827 |
| Noninterest expense to average assets | 3.3494% | 1,604 |
| Loan and lease loss provision to assets | 0.0475% | 2,980 |
| Net operating income to assets | 1.2495% | 1,408 |
| Return on assets (ROA) | 1.2290% | 1,556 |
| Pretax return on assets | 1.9041% | 714 |
| Return on Equity (ROE) | 12.4916% | 1,221 |
| Retained earnings to average equity (ytd only) | 7.1304% | 1,956 |
| Net charge-offs to loans | -0.0159% | 4,939 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8091% | 4,653 |
| Assets per employee ($millions) | 3.3064% | 5,233 |
| Cash dividends to net income (ytd only)* | 42.9185% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 1,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 5,339 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 64.6289% | 3,003 |
| Net loans and leases to deposits | 73.0015% | 3,429 |
| Net loans and leases to core deposits | 76.5787% | 3,534 |
| Total domestic deposits to total assets | 88.5309% | 1,534 |
| Equity capital to assets | 9.9135% | 4,249 |
| Core capital (leverage) ratio | 9.9850% | 3,619 |
| Tier 1 risk-based capital ratio | 14.7786% | 3,558 |
| Total risk-based capital ratio | 16.0358% | 3,481 |
| Memoranda: | ||
| Average total assets | $75,835,500 | 5,111 |
| Average earning assets | $70,787,500 | 5,073 |
| Average equity | $7,461,000 | 5,312 |
| Average total loans | $50,346,500 | 4,774 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 924 |
| Cost of funding earning assets | 0.3868% | 3,835 |
| Net interest margin | 4.5141% | 728 |
| Noninterest income to average assets | 0.6302% | 2,676 |
| Noninterest expense to average assets | 3.3658% | 1,772 |
| Loan and lease loss provision to assets | 0.0396% | 3,785 |
| Net operating income to assets | 0.9164% | 2,798 |
| Return on assets (ROA) | 0.9189% | 2,880 |
| Pretax return on assets | 1.4291% | 1,785 |
| Return on Equity (ROE) | 9.6303% | 2,279 |
| Retained earnings to average equity (ytd only) | 4.1036% | 3,282 |
| Net charge-offs to loans | -0.0301% | 5,788 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6779% | 3,589 |
| Assets per employee ($millions) | 3.2880% | 5,277 |
| Cash dividends to net income (ytd only)* | 57.3888% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 1,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 5,403 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.7882% | 2,922 |
| Net loans and leases to deposits | 74.0684% | 3,427 |
| Net loans and leases to core deposits | 78.0016% | 3,518 |
| Total domestic deposits to total assets | 88.8209% | 1,346 |
| Equity capital to assets | 9.7629% | 4,400 |
| Core capital (leverage) ratio | 9.6666% | 4,022 |
| Tier 1 risk-based capital ratio | 14.3491% | 3,864 |
| Total risk-based capital ratio | 15.6054% | 3,799 |
| Memoranda: | ||
| Average total assets | $75,850,200 | 5,156 |
| Average earning assets | $70,579,400 | 5,109 |
| Average equity | $7,237,600 | 5,366 |
| Average total loans | $49,864,800 | 4,821 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9172% | 897 |
| Cost of funding earning assets | 0.3931% | 3,861 |
| Net interest margin | 4.5241% | 705 |
| Noninterest income to average assets | 0.5340% | 3,301 |
| Noninterest expense to average assets | 3.1933% | 2,197 |
| Loan and lease loss provision to assets | 0.0404% | 3,602 |
| Net operating income to assets | 0.9680% | 2,605 |
| Return on assets (ROA) | 0.9713% | 2,657 |
| Pretax return on assets | 1.5106% | 1,613 |
| Return on Equity (ROE) | 10.2386% | 2,097 |
| Retained earnings to average equity (ytd only) | 4.6842% | 3,296 |
| Net charge-offs to loans | -0.0322% | 5,762 |
| Credit loss provision to net charge-offs | -191.6667% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3832% | 3,966 |
| Assets per employee ($millions) | 3.1040% | 5,583 |
| Cash dividends to net income (ytd only)* | 54.2499% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 1,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 5,579 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 64.6078% | 3,091 |
| Net loans and leases to deposits | 72.4997% | 3,632 |
| Net loans and leases to core deposits | 76.8094% | 3,655 |
| Total domestic deposits to total assets | 89.1146% | 1,170 |
| Equity capital to assets | 9.4563% | 4,849 |
| Core capital (leverage) ratio | 9.4917% | 4,392 |
| Tier 1 risk-based capital ratio | 14.3093% | 4,024 |
| Total risk-based capital ratio | 15.5666% | 3,940 |
| Memoranda: | ||
| Average total assets | $75,907,000 | 5,210 |
| Average earning assets | $70,553,750 | 5,165 |
| Average equity | $7,201,250 | 5,421 |
| Average total loans | $49,670,500 | 4,876 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 833 |
| Cost of funding earning assets | 0.4025% | 3,845 |
| Net interest margin | 4.5387% | 654 |
| Noninterest income to average assets | 0.5044% | 3,451 |
| Noninterest expense to average assets | 3.1748% | 2,267 |
| Loan and lease loss provision to assets | 0.0398% | 3,512 |
| Net operating income to assets | 0.9743% | 2,438 |
| Return on assets (ROA) | 0.9795% | 2,486 |
| Pretax return on assets | 1.5184% | 1,485 |
| Return on Equity (ROE) | 10.3135% | 2,007 |
| Retained earnings to average equity (ytd only) | 4.7235% | 3,137 |
| Net charge-offs to loans | -0.0406% | 5,785 |
| Credit loss provision to net charge-offs | -150.0000% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1910% | 4,162 |
| Assets per employee ($millions) | 3.0862% | 5,615 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 1,989 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 5,683 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 66.1716% | 2,725 |
| Net loans and leases to deposits | 74.6224% | 3,251 |
| Net loans and leases to core deposits | 79.2985% | 3,287 |
| Total domestic deposits to total assets | 88.6753% | 1,553 |
| Equity capital to assets | 9.7991% | 4,357 |
| Core capital (leverage) ratio | 9.8665% | 3,787 |
| Tier 1 risk-based capital ratio | 14.2485% | 4,101 |
| Total risk-based capital ratio | 15.5043% | 4,027 |
| Memoranda: | ||
| Average total assets | $75,343,000 | 5,266 |
| Average earning assets | $70,064,670 | 5,219 |
| Average equity | $7,155,670 | 5,448 |
| Average total loans | $49,222,000 | 4,916 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 737 |
| Cost of funding earning assets | 0.4018% | 3,947 |
| Net interest margin | 4.5840% | 570 |
| Noninterest income to average assets | 0.5159% | 3,286 |
| Noninterest expense to average assets | 3.1534% | 2,368 |
| Loan and lease loss provision to assets | 0.0421% | 3,247 |
| Net operating income to assets | 1.0213% | 2,123 |
| Return on assets (ROA) | 1.0213% | 2,192 |
| Pretax return on assets | 1.5846% | 1,206 |
| Return on Equity (ROE) | 10.9227% | 1,711 |
| Retained earnings to average equity (ytd only) | 5.2924% | 2,921 |
| Net charge-offs to loans | -0.0573% | 5,864 |
| Credit loss provision to net charge-offs | -114.2857% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9692% | 4,533 |
| Assets per employee ($millions) | 3.1619% | 5,583 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 2,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 5,779 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.5503% | 2,802 |
| Net loans and leases to deposits | 72.5184% | 3,267 |
| Net loans and leases to core deposits | 75.7141% | 3,437 |
| Total domestic deposits to total assets | 89.0123% | 1,653 |
| Equity capital to assets | 9.4446% | 4,571 |
| Core capital (leverage) ratio | 9.4298% | 4,376 |
| Tier 1 risk-based capital ratio | 14.0042% | 4,335 |
| Total risk-based capital ratio | 15.2604% | 4,268 |
| Memoranda: | ||
| Average total assets | $75,980,500 | 5,300 |
| Average earning assets | $70,681,000 | 5,260 |
| Average equity | $7,104,500 | 5,489 |
| Average total loans | $48,891,500 | 4,972 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 1,008 |
| Cost of funding earning assets | 0.4783% | 3,835 |
| Net interest margin | 4.4679% | 791 |
| Noninterest income to average assets | 0.7712% | 2,204 |
| Noninterest expense to average assets | 3.6067% | 1,435 |
| Loan and lease loss provision to assets | 0.0418% | 4,277 |
| Net operating income to assets | 0.7962% | 3,308 |
| Return on assets (ROA) | 0.8115% | 3,329 |
| Pretax return on assets | 1.2556% | 2,337 |
| Return on Equity (ROE) | 8.3455% | 2,859 |
| Retained earnings to average equity (ytd only) | 4.0511% | 3,306 |
| Net charge-offs to loans | -0.0264% | 6,200 |
| Credit loss provision to net charge-offs | -250.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9019% | 3,142 |
| Assets per employee ($millions) | 3.1698% | 5,550 |
| Cash dividends to net income (ytd only)* | 51.4580% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 2,172 |
| Loan loss allowance to noncurrent loans | 189.6861% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 4,030 |
| Noncurrent loans to loans | 0.9304% | 3,667 |
| Net loans and leases to total assets | 61.9013% | 3,381 |
| Net loans and leases to deposits | 69.3692% | 3,862 |
| Net loans and leases to core deposits | 72.4024% | 4,014 |
| Total domestic deposits to total assets | 89.2344% | 1,464 |
| Equity capital to assets | 9.2565% | 4,739 |
| Core capital (leverage) ratio | 9.5785% | 4,140 |
| Tier 1 risk-based capital ratio | 13.9342% | 4,337 |
| Total risk-based capital ratio | 15.1882% | 4,274 |
| Memoranda: | ||
| Average total assets | $71,839,000 | 5,421 |
| Average earning assets | $66,071,800 | 5,402 |
| Average equity | $6,985,800 | 5,571 |
| Average total loans | $45,503,200 | 5,131 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 933 |
| Cost of funding earning assets | 0.4969% | 3,798 |
| Net interest margin | 4.5092% | 730 |
| Noninterest income to average assets | 0.8609% | 1,890 |
| Noninterest expense to average assets | 3.6902% | 1,263 |
| Loan and lease loss provision to assets | 0.0433% | 4,146 |
| Net operating income to assets | 0.8193% | 3,253 |
| Return on assets (ROA) | 0.8401% | 3,267 |
| Pretax return on assets | 1.2960% | 2,348 |
| Return on Equity (ROE) | 8.5294% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.7046% | 3,305 |
| Net charge-offs to loans | -0.0149% | 5,975 |
| Credit loss provision to net charge-offs | -460.0000% | 6,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8409% | 3,098 |
| Assets per employee ($millions) | 2.9518% | 5,921 |
| Cash dividends to net income (ytd only)* | 44.8432% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8079% | 2,280 |
| Loan loss allowance to noncurrent loans | 1,631.3725% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 5,766 |
| Noncurrent loans to loans | 0.1108% | 5,998 |
| Net loans and leases to total assets | 61.2340% | 3,485 |
| Net loans and leases to deposits | 68.9762% | 3,938 |
| Net loans and leases to core deposits | 72.4151% | 4,040 |
| Total domestic deposits to total assets | 88.7755% | 1,680 |
| Equity capital to assets | 9.5089% | 4,546 |
| Core capital (leverage) ratio | 9.7811% | 3,990 |
| Tier 1 risk-based capital ratio | 14.3645% | 4,171 |
| Total risk-based capital ratio | 15.6199% | 4,121 |
| Memoranda: | ||
| Average total assets | $70,779,750 | 5,508 |
| Average earning assets | $64,932,750 | 5,492 |
| Average equity | $6,971,750 | 5,644 |
| Average total loans | $44,894,500 | 5,206 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 757 |
| Cost of funding earning assets | 0.5164% | 3,737 |
| Net interest margin | 4.5973% | 601 |
| Noninterest income to average assets | 0.8140% | 2,129 |
| Noninterest expense to average assets | 3.7205% | 1,219 |
| Loan and lease loss provision to assets | 0.0430% | 4,098 |
| Net operating income to assets | 0.8196% | 3,196 |
| Return on assets (ROA) | 0.8513% | 3,186 |
| Pretax return on assets | 1.3099% | 2,264 |
| Return on Equity (ROE) | 8.5386% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.6636% | 2,636 |
| Net charge-offs to loans | -0.0135% | 5,837 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0445% | 3,117 |
| Assets per employee ($millions) | 2.6683% | 6,328 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,465 |
| Loan loss allowance to noncurrent loans | 1,522.2222% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 5,717 |
| Noncurrent loans to loans | 0.1176% | 6,038 |
| Net loans and leases to total assets | 67.6121% | 2,321 |
| Net loans and leases to deposits | 77.0961% | 2,712 |
| Net loans and leases to core deposits | 81.5602% | 2,847 |
| Total domestic deposits to total assets | 87.6984% | 2,444 |
| Equity capital to assets | 10.4907% | 3,316 |
| Core capital (leverage) ratio | 10.2318% | 3,181 |
| Tier 1 risk-based capital ratio | 14.6682% | 3,989 |
| Total risk-based capital ratio | 15.9249% | 3,946 |
| Memoranda: | ||
| Average total assets | $69,775,000 | 5,575 |
| Average earning assets | $63,906,670 | 5,565 |
| Average equity | $6,956,670 | 5,694 |
| Average total loans | $44,519,670 | 5,244 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 931 |
| Cost of funding earning assets | 0.5211% | 3,875 |
| Net interest margin | 4.4569% | 731 |
| Noninterest income to average assets | 0.7180% | 2,493 |
| Noninterest expense to average assets | 3.5171% | 1,587 |
| Loan and lease loss provision to assets | 0.0393% | 3,939 |
| Net operating income to assets | 0.8230% | 3,034 |
| Return on assets (ROA) | 0.8526% | 3,026 |
| Pretax return on assets | 1.2846% | 2,277 |
| Return on Equity (ROE) | 8.7659% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.7659% | 1,462 |
| Net charge-offs to loans | 0.0091% | 3,970 |
| Credit loss provision to net charge-offs | 700.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 175 |
| Efficiency ratio | 73.3333% | 3,383 |
| Assets per employee ($millions) | 2.9695% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 2,642 |
| Loan loss allowance to noncurrent loans | 1,446.4286% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 5,844 |
| Noncurrent loans to loans | 0.1239% | 6,100 |
| Net loans and leases to total assets | 62.2697% | 3,010 |
| Net loans and leases to deposits | 70.4183% | 3,407 |
| Net loans and leases to core deposits | 74.4252% | 3,527 |
| Total domestic deposits to total assets | 88.4283% | 2,049 |
| Equity capital to assets | 9.8276% | 4,387 |
| Core capital (leverage) ratio | 9.7402% | 3,736 |
| Tier 1 risk-based capital ratio | 14.4829% | 4,192 |
| Total risk-based capital ratio | 15.7418% | 4,147 |
| Memoranda: | ||
| Average total assets | $71,309,000 | 5,583 |
| Average earning assets | $65,247,000 | 5,567 |
| Average equity | $6,936,000 | 5,761 |
| Average total loans | $43,817,500 | 5,306 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 1,094 |
| Cost of funding earning assets | 0.6829% | 3,632 |
| Net interest margin | 4.5293% | 893 |
| Noninterest income to average assets | 0.8157% | 2,193 |
| Noninterest expense to average assets | 3.8040% | 1,245 |
| Loan and lease loss provision to assets | 0.3585% | 1,859 |
| Net operating income to assets | 0.5469% | 4,493 |
| Return on assets (ROA) | 0.6604% | 4,198 |
| Pretax return on assets | 0.9782% | 3,626 |
| Return on Equity (ROE) | 6.7761% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.2868% | 2,510 |
| Net charge-offs to loans | 0.7096% | 1,662 |
| Credit loss provision to net charge-offs | 80.4560% | 3,818 |
| Earnings coverage of net charge-offs (x) | 2.6254% | 4,113 |
| Efficiency ratio | 76.4809% | 2,665 |
| Assets per employee ($millions) | 2.9729% | 6,055 |
| Cash dividends to net income (ytd only)* | 21.9780% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 2,310 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 1.0904% | 3,837 |
| Noncurrent loans to loans | 0.1578% | 6,085 |
| Net loans and leases to total assets | 58.3638% | 3,906 |
| Net loans and leases to deposits | 65.8195% | 4,313 |
| Net loans and leases to core deposits | 70.4233% | 4,244 |
| Total domestic deposits to total assets | 88.6726% | 1,790 |
| Equity capital to assets | 9.6259% | 4,697 |
| Core capital (leverage) ratio | 9.5611% | 4,020 |
| Tier 1 risk-based capital ratio | 14.6518% | 3,931 |
| Total risk-based capital ratio | 15.9106% | 3,889 |
| Memoranda: | ||
| Average total assets | $68,902,000 | 5,654 |
| Average earning assets | $63,255,000 | 5,630 |
| Average equity | $6,714,800 | 5,842 |
| Average total loans | $43,261,000 | 5,362 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2115% | 1,168 |
| Cost of funding earning assets | 0.7266% | 3,546 |
| Net interest margin | 4.4848% | 1,019 |
| Noninterest income to average assets | 0.7653% | 2,406 |
| Noninterest expense to average assets | 3.5846% | 1,581 |
| Loan and lease loss provision to assets | 0.2460% | 2,596 |
| Net operating income to assets | 0.7128% | 3,862 |
| Return on assets (ROA) | 0.8122% | 3,630 |
| Pretax return on assets | 1.2163% | 2,930 |
| Return on Equity (ROE) | 8.3075% | 3,131 |
| Retained earnings to average equity (ytd only) | 8.3075% | 1,491 |
| Net charge-offs to loans | 0.2669% | 3,119 |
| Credit loss provision to net charge-offs | 144.8276% | 1,972 |
| Earnings coverage of net charge-offs (x) | 7.7354% | 2,562 |
| Efficiency ratio | 73.1766% | 3,122 |
| Assets per employee ($millions) | 2.9638% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1084% | 1,886 |
| Loan loss allowance to noncurrent loans | 91.0282% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 3,221 |
| Noncurrent loans to loans | 2.3162% | 2,488 |
| Net loans and leases to total assets | 58.9397% | 3,968 |
| Net loans and leases to deposits | 66.6428% | 4,381 |
| Net loans and leases to core deposits | 73.7298% | 4,007 |
| Total domestic deposits to total assets | 88.4412% | 1,759 |
| Equity capital to assets | 9.7692% | 4,821 |
| Core capital (leverage) ratio | 9.6300% | 4,080 |
| Tier 1 risk-based capital ratio | 14.9185% | 3,908 |
| Total risk-based capital ratio | 16.1822% | 3,850 |
| Memoranda: | ||
| Average total assets | $68,290,250 | 5,735 |
| Average earning assets | $62,936,750 | 5,699 |
| Average equity | $6,676,500 | 5,918 |
| Average total loans | $43,464,750 | 5,415 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 1,190 |
| Cost of funding earning assets | 0.7903% | 3,269 |
| Net interest margin | 4.4351% | 1,120 |
| Noninterest income to average assets | 0.8078% | 2,151 |
| Noninterest expense to average assets | 3.7153% | 1,344 |
| Loan and lease loss provision to assets | 0.2851% | 2,297 |
| Net operating income to assets | 0.6009% | 4,362 |
| Return on assets (ROA) | 0.7543% | 3,861 |
| Pretax return on assets | 1.1167% | 3,244 |
| Return on Equity (ROE) | 7.7137% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.7137% | 1,758 |
| Net charge-offs to loans | 0.1832% | 3,492 |
| Credit loss provision to net charge-offs | 240.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 2,120 |
| Efficiency ratio | 75.9563% | 2,749 |
| Assets per employee ($millions) | 2.7498% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1441% | 1,899 |
| Loan loss allowance to noncurrent loans | 62.9579% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.2577% | 2,476 |
| Noncurrent loans to loans | 3.4056% | 1,699 |
| Net loans and leases to total assets | 64.1766% | 2,997 |
| Net loans and leases to deposits | 73.1174% | 3,439 |
| Net loans and leases to core deposits | 83.0519% | 2,820 |
| Total domestic deposits to total assets | 87.7720% | 2,297 |
| Equity capital to assets | 10.2233% | 4,028 |
| Core capital (leverage) ratio | 10.4160% | 2,901 |
| Tier 1 risk-based capital ratio | 14.8351% | 3,876 |
| Total risk-based capital ratio | 16.0978% | 3,819 |
| Memoranda: | ||
| Average total assets | $67,343,000 | 5,801 |
| Average earning assets | $62,005,330 | 5,766 |
| Average equity | $6,585,670 | 5,960 |
| Average total loans | $43,677,000 | 5,441 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1776% | 1,362 |
| Cost of funding earning assets | 0.8384% | 3,163 |
| Net interest margin | 4.3392% | 1,358 |
| Noninterest income to average assets | 0.8939% | 1,771 |
| Noninterest expense to average assets | 3.7756% | 1,246 |
| Loan and lease loss provision to assets | 0.3823% | 1,647 |
| Net operating income to assets | 0.5293% | 4,691 |
| Return on assets (ROA) | 0.5293% | 4,903 |
| Pretax return on assets | 0.7234% | 4,714 |
| Return on Equity (ROE) | 5.5342% | 4,533 |
| Retained earnings to average equity (ytd only) | 5.5342% | 3,238 |
| Net charge-offs to loans | 0.0547% | 3,949 |
| Credit loss provision to net charge-offs | 1,083.3333% | 319 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 891 |
| Efficiency ratio | 77.3494% | 2,596 |
| Assets per employee ($millions) | 2.8578% | 6,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,891 |
| Loan loss allowance to noncurrent loans | 61.3307% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.3931% | 2,479 |
| Noncurrent loans to loans | 3.5778% | 1,738 |
| Net loans and leases to total assets | 63.1325% | 3,011 |
| Net loans and leases to deposits | 71.7991% | 3,461 |
| Net loans and leases to core deposits | 84.9791% | 2,410 |
| Total domestic deposits to total assets | 87.9294% | 2,371 |
| Equity capital to assets | 9.9726% | 4,154 |
| Core capital (leverage) ratio | 9.6552% | 3,839 |
| Tier 1 risk-based capital ratio | 14.2480% | 4,277 |
| Total risk-based capital ratio | 15.5085% | 4,247 |
| Memoranda: | ||
| Average total assets | $68,016,500 | 5,829 |
| Average earning assets | $62,499,500 | 5,797 |
| Average equity | $6,505,000 | 6,010 |
| Average total loans | $43,874,500 | 5,471 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5661% | 1,025 |
| Cost of funding earning assets | 1.2015% | 2,016 |
| Net interest margin | 4.3646% | 1,499 |
| Noninterest income to average assets | 0.4510% | 4,206 |
| Noninterest expense to average assets | 3.6713% | 1,592 |
| Loan and lease loss provision to assets | 0.7703% | 1,293 |
| Net operating income to assets | 0.0366% | 5,981 |
| Return on assets (ROA) | 0.0366% | 6,093 |
| Pretax return on assets | 0.0205% | 6,089 |
| Return on Equity (ROE) | 0.3882% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.3882% | 5,655 |
| Net charge-offs to loans | 1.9247% | 738 |
| Credit loss provision to net charge-offs | 58.1858% | 5,217 |
| Earnings coverage of net charge-offs (x) | 0.5973% | 5,376 |
| Efficiency ratio | 82.2777% | 1,978 |
| Assets per employee ($millions) | 3.0567% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 2,494 |
| Loan loss allowance to noncurrent loans | 59.6036% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.7766% | 2,185 |
| Noncurrent loans to loans | 3.2281% | 2,001 |
| Net loans and leases to total assets | 63.2249% | 3,348 |
| Net loans and leases to deposits | 71.2073% | 3,915 |
| Net loans and leases to core deposits | 83.9658% | 2,899 |
| Total domestic deposits to total assets | 88.7900% | 1,665 |
| Equity capital to assets | 9.1817% | 5,317 |
| Core capital (leverage) ratio | 9.3761% | 4,219 |
| Tier 1 risk-based capital ratio | 13.2748% | 4,858 |
| Total risk-based capital ratio | 14.5319% | 4,832 |
| Memoranda: | ||
| Average total assets | $68,286,800 | 5,802 |
| Average earning assets | $62,754,400 | 5,781 |
| Average equity | $6,439,600 | 6,030 |
| Average total loans | $46,967,600 | 5,384 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 999 |
| Cost of funding earning assets | 1.2969% | 1,724 |
| Net interest margin | 4.3208% | 1,637 |
| Noninterest income to average assets | 0.4505% | 4,290 |
| Noninterest expense to average assets | 3.7727% | 1,354 |
| Loan and lease loss provision to assets | 0.8773% | 1,036 |
| Net operating income to assets | -0.1239% | 6,306 |
| Return on assets (ROA) | -0.1239% | 6,390 |
| Pretax return on assets | -0.2282% | 6,436 |
| Return on Equity (ROE) | -1.3052% | 6,412 |
| Retained earnings to average equity (ytd only) | -1.3052% | 6,203 |
| Net charge-offs to loans | 2.3104% | 509 |
| Credit loss provision to net charge-offs | 54.3240% | 4,943 |
| Earnings coverage of net charge-offs (x) | 0.4019% | 5,317 |
| Efficiency ratio | 85.3203% | 1,598 |
| Assets per employee ($millions) | 3.2525% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9372% | 2,512 |
| Loan loss allowance to noncurrent loans | 44.3262% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 2.8930% | 2,236 |
| Noncurrent loans to loans | 4.3703% | 1,493 |
| Net loans and leases to total assets | 64.8502% | 3,141 |
| Net loans and leases to deposits | 73.8492% | 3,675 |
| Net loans and leases to core deposits | 90.7274% | 2,158 |
| Total domestic deposits to total assets | 87.8144% | 2,157 |
| Equity capital to assets | 9.3189% | 5,349 |
| Core capital (leverage) ratio | 9.3028% | 4,451 |
| Tier 1 risk-based capital ratio | 13.2143% | 4,941 |
| Total risk-based capital ratio | 14.4726% | 4,905 |
| Memoranda: | ||
| Average total assets | $67,782,750 | 5,847 |
| Average earning assets | $62,301,250 | 5,831 |
| Average equity | $6,435,750 | 6,074 |
| Average total loans | $47,379,250 | 5,410 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7271% | 835 |
| Cost of funding earning assets | 1.3858% | 1,479 |
| Net interest margin | 4.3412% | 1,534 |
| Noninterest income to average assets | 0.5384% | 3,570 |
| Noninterest expense to average assets | 3.8900% | 1,213 |
| Loan and lease loss provision to assets | 0.1242% | 4,733 |
| Net operating income to assets | 0.3402% | 5,216 |
| Return on assets (ROA) | 0.3402% | 5,346 |
| Pretax return on assets | 0.5088% | 5,035 |
| Return on Equity (ROE) | 3.5607% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.5607% | 3,972 |
| Net charge-offs to loans | 1.7499% | 813 |
| Credit loss provision to net charge-offs | 9.9762% | 5,246 |
| Earnings coverage of net charge-offs (x) | 0.5083% | 4,924 |
| Efficiency ratio | 86.0039% | 1,601 |
| Assets per employee ($millions) | 3.0600% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9180% | 2,616 |
| Loan loss allowance to noncurrent loans | 82.7324% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.2430% | 2,924 |
| Noncurrent loans to loans | 2.3184% | 3,075 |
| Net loans and leases to total assets | 66.2364% | 2,987 |
| Net loans and leases to deposits | 75.9164% | 3,491 |
| Net loans and leases to core deposits | 95.1762% | 1,767 |
| Total domestic deposits to total assets | 87.2491% | 2,598 |
| Equity capital to assets | 9.6864% | 4,558 |
| Core capital (leverage) ratio | 9.6523% | 3,730 |
| Tier 1 risk-based capital ratio | 13.7757% | 4,321 |
| Total risk-based capital ratio | 15.0326% | 4,291 |
| Memoranda: | ||
| Average total assets | $67,609,670 | 5,896 |
| Average earning assets | $62,056,330 | 5,888 |
| Average equity | $6,459,330 | 6,097 |
| Average total loans | $48,116,000 | 5,433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7784% | 770 |
| Cost of funding earning assets | 1.5152% | 1,105 |
| Net interest margin | 4.2632% | 1,691 |
| Noninterest income to average assets | 0.5313% | 3,644 |
| Noninterest expense to average assets | 3.8846% | 1,199 |
| Loan and lease loss provision to assets | 0.1653% | 3,977 |
| Net operating income to assets | 0.2598% | 5,582 |
| Return on assets (ROA) | 0.2598% | 5,645 |
| Pretax return on assets | 0.4015% | 5,339 |
| Return on Equity (ROE) | 2.7378% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.7378% | 4,531 |
| Net charge-offs to loans | 0.7119% | 1,791 |
| Credit loss provision to net charge-offs | 31.8182% | 4,088 |
| Earnings coverage of net charge-offs (x) | 1.0909% | 3,848 |
| Efficiency ratio | 87.2679% | 1,593 |
| Assets per employee ($millions) | 2.8224% | 6,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4681% | 1,505 |
| Loan loss allowance to noncurrent loans | 92.5292% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.9236% | 3,405 |
| Noncurrent loans to loans | 2.6674% | 2,822 |
| Net loans and leases to total assets | 69.3643% | 2,250 |
| Net loans and leases to deposits | 79.4635% | 2,812 |
| Net loans and leases to core deposits | 99.3656% | 1,393 |
| Total domestic deposits to total assets | 87.2907% | 2,770 |
| Equity capital to assets | 9.5235% | 4,395 |
| Core capital (leverage) ratio | 9.5565% | 3,717 |
| Tier 1 risk-based capital ratio | 13.1366% | 4,719 |
| Total risk-based capital ratio | 14.3992% | 4,691 |
| Memoranda: | ||
| Average total assets | $67,754,000 | 5,939 |
| Average earning assets | $62,300,500 | 5,927 |
| Average equity | $6,428,500 | 6,119 |
| Average total loans | $49,442,500 | 5,422 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2628% | 103 |
| Cost of funding earning assets | 1.6939% | 1,632 |
| Net interest margin | 5.5689% | 154 |
| Noninterest income to average assets | 0.5712% | 3,665 |
| Noninterest expense to average assets | 3.9161% | 1,293 |
| Loan and lease loss provision to assets | 0.8666% | 1,879 |
| Net operating income to assets | 0.5622% | 3,841 |
| Return on assets (ROA) | 0.5622% | 3,998 |
| Pretax return on assets | 0.8801% | 3,379 |
| Return on Equity (ROE) | 5.9858% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.9858% | 1,825 |
| Net charge-offs to loans | 1.1631% | 1,921 |
| Credit loss provision to net charge-offs | 92.9260% | 4,992 |
| Earnings coverage of net charge-offs (x) | 1.8730% | 4,320 |
| Efficiency ratio | 69.1554% | 4,347 |
| Assets per employee ($millions) | 2.8238% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4650% | 1,450 |
| Loan loss allowance to noncurrent loans | 114.9954% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.6305% | 3,863 |
| Noncurrent loans to loans | 2.1436% | 3,376 |
| Net loans and leases to total assets | 72.9821% | 1,875 |
| Net loans and leases to deposits | 84.4027% | 2,385 |
| Net loans and leases to core deposits | 105.6003% | 1,215 |
| Total domestic deposits to total assets | 86.4689% | 3,097 |
| Equity capital to assets | 9.4526% | 4,462 |
| Core capital (leverage) ratio | 9.4416% | 3,780 |
| Tier 1 risk-based capital ratio | 12.4287% | 5,082 |
| Total risk-based capital ratio | 13.6937% | 5,055 |
| Memoranda: | ||
| Average total assets | $66,699,000 | 5,974 |
| Average earning assets | $60,982,000 | 5,957 |
| Average equity | $6,264,800 | 6,285 |
| Average total loans | $53,478,600 | 5,339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3752% | 97 |
| Cost of funding earning assets | 1.7306% | 1,719 |
| Net interest margin | 5.6446% | 141 |
| Noninterest income to average assets | 0.4997% | 4,191 |
| Noninterest expense to average assets | 3.8314% | 1,319 |
| Loan and lease loss provision to assets | 0.6563% | 2,328 |
| Net operating income to assets | 0.7386% | 3,241 |
| Return on assets (ROA) | 0.7386% | 3,407 |
| Pretax return on assets | 1.1641% | 2,626 |
| Return on Equity (ROE) | 7.8762% | 2,964 |
| Retained earnings to average equity (ytd only) | 7.8762% | 1,460 |
| Net charge-offs to loans | 1.2922% | 1,582 |
| Credit loss provision to net charge-offs | 62.2857% | 5,632 |
| Earnings coverage of net charge-offs (x) | 1.7276% | 4,409 |
| Efficiency ratio | 67.7912% | 4,505 |
| Assets per employee ($millions) | 2.6941% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1325% | 1,920 |
| Loan loss allowance to noncurrent loans | 65.0831% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.8729% | 2,526 |
| Noncurrent loans to loans | 3.2766% | 2,418 |
| Net loans and leases to total assets | 74.6797% | 1,641 |
| Net loans and leases to deposits | 86.5985% | 2,221 |
| Net loans and leases to core deposits | 105.9685% | 1,323 |
| Total domestic deposits to total assets | 86.2367% | 2,956 |
| Equity capital to assets | 9.5007% | 4,843 |
| Core capital (leverage) ratio | 9.5013% | 3,901 |
| Tier 1 risk-based capital ratio | 12.0282% | 5,433 |
| Total risk-based capital ratio | 13.2876% | 5,393 |
| Memoranda: | ||
| Average total assets | $66,431,250 | 6,051 |
| Average earning assets | $60,634,250 | 6,043 |
| Average equity | $6,229,500 | 6,387 |
| Average total loans | $54,170,750 | 5,379 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5537% | 89 |
| Cost of funding earning assets | 1.7682% | 1,777 |
| Net interest margin | 5.7856% | 121 |
| Noninterest income to average assets | 0.4870% | 4,216 |
| Noninterest expense to average assets | 3.8140% | 1,337 |
| Loan and lease loss provision to assets | 0.6291% | 2,278 |
| Net operating income to assets | 0.8287% | 2,830 |
| Return on assets (ROA) | 0.8287% | 2,985 |
| Pretax return on assets | 1.3187% | 2,030 |
| Return on Equity (ROE) | 8.8774% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.8774% | 1,143 |
| Net charge-offs to loans | 1.6263% | 1,167 |
| Credit loss provision to net charge-offs | 46.4286% | 5,498 |
| Earnings coverage of net charge-offs (x) | 1.4375% | 4,411 |
| Efficiency ratio | 66.1942% | 4,951 |
| Assets per employee ($millions) | 2.8956% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 2,200 |
| Loan loss allowance to noncurrent loans | 60.7493% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 2.9911% | 2,384 |
| Noncurrent loans to loans | 3.2821% | 2,444 |
| Net loans and leases to total assets | 77.7936% | 1,146 |
| Net loans and leases to deposits | 90.4471% | 1,780 |
| Net loans and leases to core deposits | 113.4247% | 950 |
| Total domestic deposits to total assets | 86.0101% | 3,078 |
| Equity capital to assets | 9.4657% | 4,758 |
| Core capital (leverage) ratio | 9.9126% | 3,266 |
| Tier 1 risk-based capital ratio | 11.5545% | 5,717 |
| Total risk-based capital ratio | 12.8137% | 5,678 |
| Memoranda: | ||
| Average total assets | $66,124,000 | 6,098 |
| Average earning assets | $60,288,000 | 6,092 |
| Average equity | $6,173,000 | 6,415 |
| Average total loans | $55,096,000 | 5,377 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0465% | 69 |
| Cost of funding earning assets | 1.8257% | 1,769 |
| Net interest margin | 6.2207% | 89 |
| Noninterest income to average assets | 0.4978% | 4,064 |
| Noninterest expense to average assets | 3.8612% | 1,228 |
| Loan and lease loss provision to assets | 0.8560% | 1,487 |
| Net operating income to assets | 0.9228% | 2,462 |
| Return on assets (ROA) | 0.9228% | 2,526 |
| Pretax return on assets | 1.4692% | 1,598 |
| Return on Equity (ROE) | 9.9550% | 2,120 |
| Retained earnings to average equity (ytd only) | 9.9550% | 1,149 |
| Net charge-offs to loans | 2.1561% | 789 |
| Credit loss provision to net charge-offs | 46.5347% | 4,533 |
| Earnings coverage of net charge-offs (x) | 1.2640% | 3,995 |
| Efficiency ratio | 62.4141% | 5,751 |
| Assets per employee ($millions) | 2.7811% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 2,006 |
| Loan loss allowance to noncurrent loans | 84.5924% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 2.1746% | 3,305 |
| Noncurrent loans to loans | 2.4501% | 3,227 |
| Net loans and leases to total assets | 83.5441% | 419 |
| Net loans and leases to deposits | 97.6073% | 944 |
| Net loans and leases to core deposits | 125.3730% | 602 |
| Total domestic deposits to total assets | 85.5921% | 3,364 |
| Equity capital to assets | 9.6678% | 4,276 |
| Core capital (leverage) ratio | 9.2987% | 4,059 |
| Tier 1 risk-based capital ratio | 11.1619% | 5,999 |
| Total risk-based capital ratio | 12.4217% | 5,947 |
| Memoranda: | ||
| Average total assets | $65,887,000 | 6,178 |
| Average earning assets | $60,250,000 | 6,159 |
| Average equity | $6,107,500 | 6,482 |
| Average total loans | $56,212,500 | 5,411 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1248% | 233 |
| Cost of funding earning assets | 1.9999% | 2,966 |
| Net interest margin | 5.1249% | 346 |
| Noninterest income to average assets | 0.4962% | 4,449 |
| Noninterest expense to average assets | 3.5934% | 2,159 |
| Loan and lease loss provision to assets | 1.3098% | 1,759 |
| Net operating income to assets | 0.1916% | 4,924 |
| Return on assets (ROA) | 0.1916% | 4,994 |
| Pretax return on assets | 0.3089% | 4,733 |
| Return on Equity (ROE) | 2.1784% | 4,839 |
| Retained earnings to average equity (ytd only) | -2.6987% | 5,647 |
| Net charge-offs to loans | 0.4952% | 3,786 |
| Credit loss provision to net charge-offs | 309.4595% | 1,066 |
| Earnings coverage of net charge-offs (x) | 3.8243% | 3,182 |
| Efficiency ratio | 68.9438% | 4,838 |
| Assets per employee ($millions) | 2.9482% | 6,350 |
| Cash dividends to net income (ytd only)* | 223.8806% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2366% | 1,582 |
| Loan loss allowance to noncurrent loans | 176.5348% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 4,770 |
| Noncurrent loans to loans | 1.2670% | 4,815 |
| Net loans and leases to total assets | 83.4122% | 500 |
| Net loans and leases to deposits | 98.6965% | 1,034 |
| Net loans and leases to core deposits | 131.5189% | 1,199 |
| Total domestic deposits to total assets | 84.5139% | 3,791 |
| Equity capital to assets | 8.8941% | 5,288 |
| Core capital (leverage) ratio | 8.7100% | 4,909 |
| Tier 1 risk-based capital ratio | 10.2208% | 6,661 |
| Total risk-based capital ratio | 11.4817% | 6,624 |
| Memoranda: | ||
| Average total assets | $69,934,400 | 6,006 |
| Average earning assets | $64,352,800 | 5,985 |
| Average equity | $6,151,200 | 6,547 |
| Average total loans | $59,768,600 | 5,261 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0216% | 292 |
| Cost of funding earning assets | 2.0434% | 3,151 |
| Net interest margin | 4.9781% | 466 |
| Noninterest income to average assets | 0.4957% | 4,519 |
| Noninterest expense to average assets | 3.6064% | 2,019 |
| Loan and lease loss provision to assets | 0.2157% | 5,260 |
| Net operating income to assets | 0.7909% | 2,850 |
| Return on assets (ROA) | 0.7909% | 2,914 |
| Pretax return on assets | 1.2602% | 2,080 |
| Return on Equity (ROE) | 9.0163% | 2,255 |
| Retained earnings to average equity (ytd only) | 2.5453% | 3,892 |
| Net charge-offs to loans | 0.3098% | 4,101 |
| Credit loss provision to net charge-offs | 81.4286% | 5,721 |
| Earnings coverage of net charge-offs (x) | 5.5715% | 2,785 |
| Efficiency ratio | 70.9605% | 4,433 |
| Assets per employee ($millions) | 3.1500% | 5,780 |
| Cash dividends to net income (ytd only)* | 71.7703% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,787 |
| Loan loss allowance to noncurrent loans | 22.1614% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 4.2193% | 1,486 |
| Noncurrent loans to loans | 4.9212% | 1,363 |
| Net loans and leases to total assets | 84.8025% | 452 |
| Net loans and leases to deposits | 100.3483% | 1,074 |
| Net loans and leases to core deposits | 139.2663% | 948 |
| Total domestic deposits to total assets | 84.5082% | 3,475 |
| Equity capital to assets | 8.9494% | 5,555 |
| Core capital (leverage) ratio | 8.7962% | 4,985 |
| Tier 1 risk-based capital ratio | 10.2240% | 6,757 |
| Total risk-based capital ratio | 11.2923% | 6,891 |
| Memoranda: | ||
| Average total assets | $70,465,750 | 6,028 |
| Average earning assets | $64,922,250 | 6,009 |
| Average equity | $6,181,250 | 6,598 |
| Average total loans | $60,247,000 | 5,275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0960% | 268 |
| Cost of funding earning assets | 2.0861% | 3,335 |
| Net interest margin | 5.0098% | 421 |
| Noninterest income to average assets | 0.4912% | 4,520 |
| Noninterest expense to average assets | 3.6610% | 1,917 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9061% | 2,434 |
| Return on assets (ROA) | 0.9061% | 2,533 |
| Pretax return on assets | 1.4396% | 1,626 |
| Return on Equity (ROE) | 10.3979% | 1,887 |
| Retained earnings to average equity (ytd only) | 3.9195% | 3,101 |
| Net charge-offs to loans | 0.1322% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,791 |
| Efficiency ratio | 71.7764% | 4,458 |
| Assets per employee ($millions) | 2.9267% | 6,320 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,924 |
| Loan loss allowance to noncurrent loans | 16.4804% | 7,315 |
| Noncurrent assets plus other real estate owned to assets | 5.4769% | 926 |
| Noncurrent loans to loans | 6.3566% | 843 |
| Net loans and leases to total assets | 85.2579% | 466 |
| Net loans and leases to deposits | 102.7945% | 1,013 |
| Net loans and leases to core deposits | 145.2592% | 783 |
| Total domestic deposits to total assets | 82.9402% | 4,270 |
| Equity capital to assets | 8.8353% | 5,546 |
| Core capital (leverage) ratio | 8.8186% | 4,916 |
| Tier 1 risk-based capital ratio | 9.9984% | 6,929 |
| Total risk-based capital ratio | 11.0198% | 7,110 |
| Memoranda: | ||
| Average total assets | $70,854,000 | 6,057 |
| Average earning assets | $65,192,000 | 6,038 |
| Average equity | $6,174,330 | 6,654 |
| Average total loans | $60,523,670 | 5,304 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0046% | 331 |
| Cost of funding earning assets | 2.1106% | 3,605 |
| Net interest margin | 4.8941% | 508 |
| Noninterest income to average assets | 0.4890% | 4,417 |
| Noninterest expense to average assets | 3.6706% | 1,709 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8263% | 3,019 |
| Return on assets (ROA) | 0.8263% | 3,173 |
| Pretax return on assets | 1.3153% | 2,229 |
| Return on Equity (ROE) | 9.5478% | 2,514 |
| Retained earnings to average equity (ytd only) | 9.5478% | 1,324 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6189% | 3,892 |
| Assets per employee ($millions) | 2.9059% | 6,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,377 |
| Loan loss allowance to noncurrent loans | 27.1227% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 3.5631% | 1,498 |
| Noncurrent loans to loans | 4.1029% | 1,458 |
| Net loans and leases to total assets | 85.8780% | 462 |
| Net loans and leases to deposits | 105.0349% | 938 |
| Net loans and leases to core deposits | 145.7534% | 875 |
| Total domestic deposits to total assets | 81.7613% | 4,651 |
| Equity capital to assets | 8.9358% | 5,426 |
| Core capital (leverage) ratio | 8.7277% | 5,100 |
| Tier 1 risk-based capital ratio | 10.0003% | 6,921 |
| Total risk-based capital ratio | 11.0819% | 7,017 |
| Memoranda: | ||
| Average total assets | $71,160,500 | 6,094 |
| Average earning assets | $65,385,500 | 6,062 |
| Average equity | $6,158,500 | 6,705 |
| Average total loans | $60,525,500 | 5,345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5013% | 407 |
| Cost of funding earning assets | 2.3441% | 4,951 |
| Net interest margin | 5.1573% | 370 |
| Noninterest income to average assets | 0.5459% | 4,262 |
| Noninterest expense to average assets | 3.8439% | 1,672 |
| Loan and lease loss provision to assets | -0.4949% | 8,295 |
| Net operating income to assets | 1.1923% | 1,797 |
| Return on assets (ROA) | 1.1443% | 1,891 |
| Pretax return on assets | 1.8207% | 902 |
| Return on Equity (ROE) | 13.0200% | 1,323 |
| Retained earnings to average equity (ytd only) | 0.2218% | 5,097 |
| Net charge-offs to loans | 0.0017% | 7,005 |
| Credit loss provision to net charge-offs | -33,000.0000% | 7,561 |
| Earnings coverage of net charge-offs (x) | 934.0000% | 52 |
| Efficiency ratio | 73.2914% | 3,692 |
| Assets per employee ($millions) | 2.9032% | 6,295 |
| Cash dividends to net income (ytd only)* | 98.2962% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,165 |
| Loan loss allowance to noncurrent loans | 78.8304% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 3,900 |
| Noncurrent loans to loans | 1.4136% | 3,689 |
| Net loans and leases to total assets | 82.4068% | 1,150 |
| Net loans and leases to deposits | 99.8681% | 1,845 |
| Net loans and leases to core deposits | 137.3269% | 1,422 |
| Total domestic deposits to total assets | 82.5156% | 3,986 |
| Equity capital to assets | 8.3840% | 6,287 |
| Core capital (leverage) ratio | 8.5123% | 5,556 |
| Tier 1 risk-based capital ratio | 9.7118% | 7,065 |
| Total risk-based capital ratio | 10.7875% | 7,184 |
| Memoranda: | ||
| Average total assets | $66,676,400 | 6,137 |
| Average earning assets | $60,749,200 | 6,143 |
| Average equity | $5,860,200 | 6,853 |
| Average total loans | $57,321,200 | 5,393 |