Home > Bank of Gibson City > Performance and Condition Ratios
Bank of Gibson City, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 3,983 |
| Cost of funding earning assets | 1.3356% | 2,404 |
| Net interest margin | 2.6532% | 3,890 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.5394% | 4,302 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9609% | 2,334 |
| Return on assets (ROA) | 0.9609% | 2,326 |
| Pretax return on assets | 1.2049% | 2,123 |
| Return on Equity (ROE) | 10.3800% | 2,387 |
| Retained earnings to average equity (ytd only) | 4.4962% | 2,790 |
| Net charge-offs to loans | 0.1780% | 603 |
| Credit loss provision to net charge-offs | 96.2733% | 1,885 |
| Earnings coverage of net charge-offs (x) | 11.2981% | 2,200 |
| Efficiency ratio | 53.8910% | 3,684 |
| Assets per employee ($millions) | 10.1570% | 673 |
| Cash dividends to net income (ytd only)* | 56.6692% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,578 |
| Loan loss allowance to noncurrent loans | 168.6508% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 1,543 |
| Noncurrent loans to loans | 0.5558% | 1,407 |
| Net loans and leases to total assets | 63.1800% | 2,550 |
| Net loans and leases to deposits | 78.0823% | 2,253 |
| Net loans and leases to core deposits | 90.9142% | 1,989 |
| Total domestic deposits to total assets | 80.9100% | 3,322 |
| Equity capital to assets | 9.3665% | 2,442 |
| Core capital (leverage) ratio | 8.3251% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5833% | 2,384 |
| Memoranda: | ||
| Average total assets | $138,102,800 | 3,480 |
| Average earning assets | $128,409,200 | 3,459 |
| Average equity | $12,788,600 | 3,458 |
| Average total loans | $90,427,800 | 3,286 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8904% | 4,011 |
| Cost of funding earning assets | 1.1915% | 2,459 |
| Net interest margin | 2.6989% | 3,884 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.5096% | 4,310 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.9415% | 2,542 |
| Return on assets (ROA) | 0.9415% | 2,529 |
| Pretax return on assets | 1.1983% | 2,299 |
| Return on Equity (ROE) | 10.2000% | 2,583 |
| Retained earnings to average equity (ytd only) | 4.3825% | 3,153 |
| Net charge-offs to loans | 0.2361% | 376 |
| Credit loss provision to net charge-offs | 95.6250% | 1,659 |
| Earnings coverage of net charge-offs (x) | 8.6563% | 2,186 |
| Efficiency ratio | 52.8430% | 3,690 |
| Assets per employee ($millions) | 9.7764% | 721 |
| Cash dividends to net income (ytd only)* | 57.0248% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9562% | 3,541 |
| Loan loss allowance to noncurrent loans | 578.2313% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 2,863 |
| Noncurrent loans to loans | 0.1654% | 2,716 |
| Net loans and leases to total assets | 64.3200% | 2,407 |
| Net loans and leases to deposits | 75.9999% | 2,416 |
| Net loans and leases to core deposits | 88.4094% | 2,029 |
| Total domestic deposits to total assets | 84.6400% | 2,618 |
| Equity capital to assets | 9.2613% | 2,246 |
| Core capital (leverage) ratio | 8.4258% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9285% | 2,632 |
| Memoranda: | ||
| Average total assets | $137,079,000 | 3,491 |
| Average earning assets | $127,455,000 | 3,479 |
| Average equity | $12,656,000 | 3,457 |
| Average total loans | $90,363,250 | 3,285 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,069 |
| Cost of funding earning assets | 1.0034% | 2,596 |
| Net interest margin | 2.7550% | 3,896 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.4918% | 4,341 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.9085% | 2,730 |
| Return on assets (ROA) | 0.9085% | 2,713 |
| Pretax return on assets | 1.1710% | 2,440 |
| Return on Equity (ROE) | 9.8500% | 2,753 |
| Retained earnings to average equity (ytd only) | 2.8934% | 3,507 |
| Net charge-offs to loans | 0.3588% | 234 |
| Credit loss provision to net charge-offs | 84.6626% | 1,531 |
| Earnings coverage of net charge-offs (x) | 5.7730% | 2,154 |
| Efficiency ratio | 52.0876% | 3,765 |
| Assets per employee ($millions) | 9.8934% | 686 |
| Cash dividends to net income (ytd only)* | 70.6260% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,038 |
| Loan loss allowance to noncurrent loans | 710.6796% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 3,026 |
| Noncurrent loans to loans | 0.1119% | 2,923 |
| Net loans and leases to total assets | 65.9400% | 2,159 |
| Net loans and leases to deposits | 80.8369% | 1,913 |
| Net loans and leases to core deposits | 94.0174% | 1,565 |
| Total domestic deposits to total assets | 81.5800% | 3,317 |
| Equity capital to assets | 9.1475% | 2,415 |
| Core capital (leverage) ratio | 8.3685% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0130% | 2,620 |
| Memoranda: | ||
| Average total assets | $137,148,667 | 3,498 |
| Average earning assets | $127,769,667 | 3,486 |
| Average equity | $12,649,333 | 3,471 |
| Average total loans | $90,854,667 | 3,288 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,109 |
| Cost of funding earning assets | 0.7962% | 2,752 |
| Net interest margin | 2.8480% | 3,870 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.4978% | 4,390 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0581% | 2,357 |
| Return on assets (ROA) | 1.0581% | 2,326 |
| Pretax return on assets | 1.3805% | 1,936 |
| Return on Equity (ROE) | 11.4200% | 2,369 |
| Retained earnings to average equity (ytd only) | 3.8294% | 3,318 |
| Net charge-offs to loans | 0.0753% | 697 |
| Credit loss provision to net charge-offs | 176.4706% | 878 |
| Earnings coverage of net charge-offs (x) | 29.4706% | 1,311 |
| Efficiency ratio | 50.4941% | 3,894 |
| Assets per employee ($millions) | 9.1307% | 890 |
| Cash dividends to net income (ytd only)* | 66.4820% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 3,925 |
| Loan loss allowance to noncurrent loans | 251.6340% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 2,009 |
| Noncurrent loans to loans | 0.3464% | 1,905 |
| Net loans and leases to total assets | 63.9300% | 2,258 |
| Net loans and leases to deposits | 81.0979% | 1,738 |
| Net loans and leases to core deposits | 89.7848% | 1,627 |
| Total domestic deposits to total assets | 78.8300% | 3,909 |
| Equity capital to assets | 9.3238% | 2,280 |
| Core capital (leverage) ratio | 8.2373% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4036% | 2,602 |
| Memoranda: | ||
| Average total assets | $136,469,000 | 3,551 |
| Average earning assets | $127,107,000 | 3,537 |
| Average equity | $12,639,000 | 3,509 |
| Average total loans | $90,248,000 | 3,329 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1512% | 3,904 |
| Cost of funding earning assets | 0.3281% | 2,654 |
| Net interest margin | 2.8232% | 3,841 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.5121% | 4,414 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0919% | 2,211 |
| Return on assets (ROA) | 1.0864% | 2,171 |
| Pretax return on assets | 1.4047% | 1,756 |
| Return on Equity (ROE) | 11.4000% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.7790% | 1,222 |
| Net charge-offs to loans | 0.0151% | 1,824 |
| Credit loss provision to net charge-offs | 391.6667% | 785 |
| Earnings coverage of net charge-offs (x) | 156.1667% | 766 |
| Efficiency ratio | 51.0833% | 4,060 |
| Assets per employee ($millions) | 9.0651% | 900 |
| Cash dividends to net income (ytd only)* | 14.2248% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8213% | 3,984 |
| Loan loss allowance to noncurrent loans | 211.4525% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 1,847 |
| Noncurrent loans to loans | 0.3884% | 1,754 |
| Net loans and leases to total assets | 67.2200% | 1,907 |
| Net loans and leases to deposits | 87.8444% | 1,186 |
| Net loans and leases to core deposits | 94.4601% | 1,274 |
| Total domestic deposits to total assets | 76.5300% | 4,221 |
| Equity capital to assets | 9.1986% | 2,227 |
| Core capital (leverage) ratio | 8.1189% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7167% | 2,811 |
| Memoranda: | ||
| Average total assets | $129,421,000 | 3,639 |
| Average earning assets | $120,396,800 | 3,620 |
| Average equity | $12,332,600 | 3,641 |
| Average total loans | $79,723,000 | 3,420 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0224% | 3,847 |
| Cost of funding earning assets | 0.2513% | 2,691 |
| Net interest margin | 2.7711% | 3,797 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.4817% | 4,443 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0424% | 2,312 |
| Return on assets (ROA) | 1.0424% | 2,274 |
| Pretax return on assets | 1.3554% | 1,865 |
| Return on Equity (ROE) | 10.8400% | 2,448 |
| Retained earnings to average equity (ytd only) | 10.8389% | 1,095 |
| Net charge-offs to loans | 0.0209% | 1,415 |
| Credit loss provision to net charge-offs | 308.3333% | 801 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 887 |
| Efficiency ratio | 51.5239% | 4,044 |
| Assets per employee ($millions) | 8.6470% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 3,884 |
| Loan loss allowance to noncurrent loans | 196.5789% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 1,775 |
| Noncurrent loans to loans | 0.4536% | 1,675 |
| Net loans and leases to total assets | 64.0100% | 2,084 |
| Net loans and leases to deposits | 79.4220% | 1,610 |
| Net loans and leases to core deposits | 81.3576% | 1,808 |
| Total domestic deposits to total assets | 80.5900% | 4,042 |
| Equity capital to assets | 9.3327% | 1,992 |
| Core capital (leverage) ratio | 8.3444% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1498% | 2,772 |
| Memoranda: | ||
| Average total assets | $127,782,000 | 3,681 |
| Average earning assets | $118,842,250 | 3,663 |
| Average equity | $12,288,750 | 3,685 |
| Average total loans | $76,612,000 | 3,474 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8259% | 3,934 |
| Cost of funding earning assets | 0.2600% | 2,142 |
| Net interest margin | 2.5659% | 3,966 |
| Noninterest income to average assets | 0.2879% | 3,453 |
| Noninterest expense to average assets | 1.4975% | 4,421 |
| Loan and lease loss provision to assets | 0.0362% | 1,938 |
| Net operating income to assets | 0.8872% | 2,637 |
| Return on assets (ROA) | 0.8872% | 2,610 |
| Pretax return on assets | 1.1452% | 2,255 |
| Return on Equity (ROE) | 9.1336% | 2,657 |
| Retained earnings to average equity (ytd only) | 9.1336% | 1,248 |
| Net charge-offs to loans | 0.0135% | 1,510 |
| Credit loss provision to net charge-offs | 460.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 150.2000% | 644 |
| Efficiency ratio | 55.9014% | 3,784 |
| Assets per employee ($millions) | 8.3816% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 3,906 |
| Loan loss allowance to noncurrent loans | 190.7216% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 1,775 |
| Noncurrent loans to loans | 0.4810% | 1,674 |
| Net loans and leases to total assets | 63.5678% | 1,957 |
| Net loans and leases to deposits | 79.5588% | 1,415 |
| Net loans and leases to core deposits | 82.2925% | 1,576 |
| Total domestic deposits to total assets | 79.9004% | 4,234 |
| Equity capital to assets | 9.4596% | 2,049 |
| Core capital (leverage) ratio | 8.2277% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7132% | 2,601 |
| Memoranda: | ||
| Average total assets | $127,141,000 | 3,726 |
| Average earning assets | $118,475,000 | 3,715 |
| Average equity | $12,350,000 | 3,751 |
| Average total loans | $74,226,000 | 3,549 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6061% | 4,110 |
| Cost of funding earning assets | 0.2784% | 1,839 |
| Net interest margin | 2.3277% | 4,191 |
| Noninterest income to average assets | 0.2941% | 3,360 |
| Noninterest expense to average assets | 1.4955% | 4,436 |
| Loan and lease loss provision to assets | 0.0282% | 1,860 |
| Net operating income to assets | 0.7415% | 2,886 |
| Return on assets (ROA) | 0.7415% | 2,881 |
| Pretax return on assets | 0.9417% | 2,627 |
| Return on Equity (ROE) | 7.5367% | 2,861 |
| Retained earnings to average equity (ytd only) | 7.5367% | 1,723 |
| Net charge-offs to loans | 0.0113% | 1,351 |
| Credit loss provision to net charge-offs | 450.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 522 |
| Efficiency ratio | 60.6599% | 3,413 |
| Assets per employee ($millions) | 8.5184% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,635 |
| Loan loss allowance to noncurrent loans | 230.2839% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 2,153 |
| Noncurrent loans to loans | 0.4430% | 1,922 |
| Net loans and leases to total assets | 55.4322% | 2,588 |
| Net loans and leases to deposits | 68.5650% | 2,093 |
| Net loans and leases to core deposits | 71.5206% | 2,150 |
| Total domestic deposits to total assets | 80.8462% | 4,216 |
| Equity capital to assets | 9.6192% | 2,196 |
| Core capital (leverage) ratio | 7.5584% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5711% | 2,388 |
| Memoranda: | ||
| Average total assets | $127,849,500 | 3,737 |
| Average earning assets | $119,259,000 | 3,721 |
| Average equity | $12,578,500 | 3,802 |
| Average total loans | $71,009,000 | 3,600 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0528% | 3,778 |
| Cost of funding earning assets | 0.3074% | 2,334 |
| Net interest margin | 2.7454% | 3,792 |
| Noninterest income to average assets | 0.4078% | 3,006 |
| Noninterest expense to average assets | 1.5733% | 4,455 |
| Loan and lease loss provision to assets | 0.0336% | 2,379 |
| Net operating income to assets | 1.0503% | 2,483 |
| Return on assets (ROA) | 1.0503% | 2,555 |
| Pretax return on assets | 1.3546% | 2,187 |
| Return on Equity (ROE) | 10.1891% | 2,462 |
| Retained earnings to average equity (ytd only) | 10.1891% | 868 |
| Net charge-offs to loans | 0.0400% | 1,459 |
| Credit loss provision to net charge-offs | 153.8462% | 1,476 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 1,137 |
| Efficiency ratio | 53.1232% | 4,018 |
| Assets per employee ($millions) | 7.5249% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,644 |
| Loan loss allowance to noncurrent loans | 225.6250% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 2,319 |
| Noncurrent loans to loans | 0.4542% | 1,995 |
| Net loans and leases to total assets | 54.5148% | 2,787 |
| Net loans and leases to deposits | 69.8516% | 2,147 |
| Net loans and leases to core deposits | 71.5061% | 2,301 |
| Total domestic deposits to total assets | 78.0438% | 4,387 |
| Equity capital to assets | 10.0576% | 2,601 |
| Core capital (leverage) ratio | 7.5377% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2702% | 2,541 |
| Memoranda: | ||
| Average total assets | $118,924,000 | 3,815 |
| Average earning assets | $110,621,200 | 3,806 |
| Average equity | $12,258,200 | 3,907 |
| Average total loans | $65,080,600 | 3,740 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1375% | 3,731 |
| Cost of funding earning assets | 0.3206% | 2,399 |
| Net interest margin | 2.8168% | 3,743 |
| Noninterest income to average assets | 0.3931% | 3,133 |
| Noninterest expense to average assets | 1.5507% | 4,533 |
| Loan and lease loss provision to assets | 0.0283% | 2,433 |
| Net operating income to assets | 1.1005% | 2,552 |
| Return on assets (ROA) | 1.1005% | 2,611 |
| Pretax return on assets | 1.4342% | 2,199 |
| Return on Equity (ROE) | 10.6058% | 2,518 |
| Retained earnings to average equity (ytd only) | 10.6058% | 1,148 |
| Net charge-offs to loans | 0.0439% | 1,232 |
| Credit loss provision to net charge-offs | 119.0476% | 1,470 |
| Earnings coverage of net charge-offs (x) | 60.9524% | 1,129 |
| Efficiency ratio | 51.4600% | 4,077 |
| Assets per employee ($millions) | 7.3391% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,370 |
| Loan loss allowance to noncurrent loans | 231.9218% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 2,549 |
| Noncurrent loans to loans | 0.4808% | 2,117 |
| Net loans and leases to total assets | 50.6067% | 3,331 |
| Net loans and leases to deposits | 65.2188% | 2,707 |
| Net loans and leases to core deposits | 66.6860% | 2,892 |
| Total domestic deposits to total assets | 77.5953% | 4,456 |
| Equity capital to assets | 10.1928% | 2,723 |
| Core capital (leverage) ratio | 7.7536% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0644% | 2,339 |
| Memoranda: | ||
| Average total assets | $116,674,250 | 3,885 |
| Average earning assets | $108,535,250 | 3,870 |
| Average equity | $12,106,250 | 3,973 |
| Average total loans | $63,736,000 | 3,821 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1126% | 3,837 |
| Cost of funding earning assets | 0.3377% | 2,427 |
| Net interest margin | 2.7750% | 3,842 |
| Noninterest income to average assets | 0.3001% | 3,633 |
| Noninterest expense to average assets | 1.5442% | 4,585 |
| Loan and lease loss provision to assets | 0.0351% | 2,288 |
| Net operating income to assets | 1.0002% | 2,879 |
| Return on assets (ROA) | 1.0002% | 2,964 |
| Pretax return on assets | 1.3020% | 2,625 |
| Return on Equity (ROE) | 9.5777% | 2,921 |
| Retained earnings to average equity (ytd only) | 9.5777% | 1,534 |
| Net charge-offs to loans | 0.0031% | 2,070 |
| Credit loss provision to net charge-offs | 2,000.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 762.0000% | 183 |
| Efficiency ratio | 53.5932% | 3,855 |
| Assets per employee ($millions) | 7.1186% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,205 |
| Loan loss allowance to noncurrent loans | 218.9759% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 2,560 |
| Noncurrent loans to loans | 0.5241% | 2,108 |
| Net loans and leases to total assets | 51.7411% | 3,371 |
| Net loans and leases to deposits | 66.7096% | 2,755 |
| Net loans and leases to core deposits | 68.1732% | 2,944 |
| Total domestic deposits to total assets | 77.5616% | 4,470 |
| Equity capital to assets | 10.1904% | 2,681 |
| Core capital (leverage) ratio | 7.9175% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2525% | 2,264 |
| Memoranda: | ||
| Average total assets | $113,977,667 | 3,926 |
| Average earning assets | $106,019,667 | 3,913 |
| Average equity | $11,902,667 | 3,999 |
| Average total loans | $63,697,667 | 3,837 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2874% | 3,479 |
| Cost of funding earning assets | 0.3670% | 2,380 |
| Net interest margin | 2.9204% | 3,466 |
| Noninterest income to average assets | 0.3295% | 3,452 |
| Noninterest expense to average assets | 1.5427% | 4,607 |
| Loan and lease loss provision to assets | 0.0543% | 2,022 |
| Net operating income to assets | 1.1045% | 2,463 |
| Return on assets (ROA) | 1.1045% | 2,541 |
| Pretax return on assets | 1.4413% | 2,166 |
| Return on Equity (ROE) | 10.4381% | 2,552 |
| Retained earnings to average equity (ytd only) | 10.4381% | 1,537 |
| Net charge-offs to loans | -0.0689% | 4,511 |
| Credit loss provision to net charge-offs | -136.3636% | 2,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7747% | 4,118 |
| Assets per employee ($millions) | 8.6864% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,941 |
| Loan loss allowance to noncurrent loans | 213.9942% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 2,614 |
| Noncurrent loans to loans | 0.5603% | 2,176 |
| Net loans and leases to total assets | 53.5577% | 3,284 |
| Net loans and leases to deposits | 70.5591% | 2,452 |
| Net loans and leases to core deposits | 72.0348% | 2,701 |
| Total domestic deposits to total assets | 75.9048% | 4,587 |
| Equity capital to assets | 10.4487% | 2,316 |
| Core capital (leverage) ratio | 7.5370% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3587% | 2,543 |
| Memoranda: | ||
| Average total assets | $110,458,500 | 3,970 |
| Average earning assets | $102,452,000 | 3,953 |
| Average equity | $11,688,000 | 4,033 |
| Average total loans | $63,875,500 | 3,848 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 2,712 |
| Cost of funding earning assets | 0.5427% | 2,655 |
| Net interest margin | 3.4614% | 2,593 |
| Noninterest income to average assets | 0.2411% | 4,052 |
| Noninterest expense to average assets | 1.8261% | 4,434 |
| Loan and lease loss provision to assets | 0.2260% | 1,732 |
| Net operating income to assets | 1.0948% | 1,946 |
| Return on assets (ROA) | 1.0948% | 2,066 |
| Pretax return on assets | 1.4052% | 1,643 |
| Return on Equity (ROE) | 9.9253% | 2,029 |
| Retained earnings to average equity (ytd only) | 7.3666% | 1,251 |
| Net charge-offs to loans | 0.0513% | 2,057 |
| Credit loss provision to net charge-offs | 725.8065% | 978 |
| Earnings coverage of net charge-offs (x) | 52.3871% | 1,158 |
| Efficiency ratio | 52.8181% | 4,324 |
| Assets per employee ($millions) | 7.1996% | 1,446 |
| Cash dividends to net income (ytd only)* | 25.7798% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,625 |
| Loan loss allowance to noncurrent loans | 907.6923% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,976 |
| Noncurrent loans to loans | 0.1172% | 3,815 |
| Net loans and leases to total assets | 60.9571% | 2,738 |
| Net loans and leases to deposits | 84.2635% | 1,427 |
| Net loans and leases to core deposits | 86.1897% | 1,854 |
| Total domestic deposits to total assets | 72.3411% | 4,699 |
| Equity capital to assets | 10.7200% | 2,503 |
| Core capital (leverage) ratio | 7.3975% | 4,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9859% | 2,924 |
| Memoranda: | ||
| Average total assets | $99,557,800 | 4,006 |
| Average earning assets | $92,506,600 | 3,993 |
| Average equity | $10,982,000 | 4,081 |
| Average total loans | $60,397,000 | 3,909 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 2,656 |
| Cost of funding earning assets | 0.5845% | 2,715 |
| Net interest margin | 3.5218% | 2,518 |
| Noninterest income to average assets | 0.2572% | 3,943 |
| Noninterest expense to average assets | 1.8129% | 4,471 |
| Loan and lease loss provision to assets | 0.2391% | 1,697 |
| Net operating income to assets | 1.0973% | 1,989 |
| Return on assets (ROA) | 1.0973% | 2,118 |
| Pretax return on assets | 1.4777% | 1,495 |
| Return on Equity (ROE) | 9.8706% | 2,058 |
| Retained earnings to average equity (ytd only) | 6.4122% | 1,917 |
| Net charge-offs to loans | 0.0612% | 1,727 |
| Credit loss provision to net charge-offs | 648.1481% | 1,120 |
| Earnings coverage of net charge-offs (x) | 46.4815% | 1,248 |
| Efficiency ratio | 51.3566% | 4,392 |
| Assets per employee ($millions) | 7.0249% | 1,484 |
| Cash dividends to net income (ytd only)* | 35.0374% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,554 |
| Loan loss allowance to noncurrent loans | 788.0952% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,032 |
| Noncurrent loans to loans | 0.1309% | 3,858 |
| Net loans and leases to total assets | 60.2545% | 3,203 |
| Net loans and leases to deposits | 82.9852% | 2,022 |
| Net loans and leases to core deposits | 84.6334% | 2,417 |
| Total domestic deposits to total assets | 72.6087% | 4,662 |
| Equity capital to assets | 10.7286% | 2,602 |
| Core capital (leverage) ratio | 7.9926% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7583% | 2,701 |
| Memoranda: | ||
| Average total assets | $97,448,750 | 4,029 |
| Average earning assets | $90,557,750 | 4,014 |
| Average equity | $10,833,250 | 4,107 |
| Average total loans | $58,861,750 | 3,960 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,988 |
| Cost of funding earning assets | 0.6409% | 2,753 |
| Net interest margin | 3.4818% | 2,851 |
| Noninterest income to average assets | 0.1899% | 4,327 |
| Noninterest expense to average assets | 1.8395% | 4,502 |
| Loan and lease loss provision to assets | 0.3417% | 1,249 |
| Net operating income to assets | 0.8923% | 2,715 |
| Return on assets (ROA) | 0.8923% | 2,840 |
| Pretax return on assets | 1.2404% | 2,216 |
| Return on Equity (ROE) | 7.9243% | 2,779 |
| Retained earnings to average equity (ytd only) | 2.6602% | 3,525 |
| Net charge-offs to loans | 0.0981% | 1,288 |
| Credit loss provision to net charge-offs | 578.5714% | 1,132 |
| Earnings coverage of net charge-offs (x) | 26.7857% | 1,506 |
| Efficiency ratio | 53.7608% | 4,206 |
| Assets per employee ($millions) | 7.3069% | 1,275 |
| Cash dividends to net income (ytd only)* | 66.4303% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,349 |
| Loan loss allowance to noncurrent loans | 1,098.3051% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,242 |
| Noncurrent loans to loans | 0.0951% | 4,076 |
| Net loans and leases to total assets | 60.0448% | 3,319 |
| Net loans and leases to deposits | 80.8838% | 2,330 |
| Net loans and leases to core deposits | 82.4993% | 2,733 |
| Total domestic deposits to total assets | 74.2358% | 4,576 |
| Equity capital to assets | 10.6777% | 2,595 |
| Core capital (leverage) ratio | 8.0842% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6875% | 2,740 |
| Memoranda: | ||
| Average total assets | $94,807,333 | 4,058 |
| Average earning assets | $88,001,333 | 4,053 |
| Average equity | $10,676,000 | 4,140 |
| Average total loans | $57,097,667 | 3,998 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 3,062 |
| Cost of funding earning assets | 0.7633% | 2,591 |
| Net interest margin | 3.4891% | 3,017 |
| Noninterest income to average assets | 0.2592% | 3,992 |
| Noninterest expense to average assets | 1.9459% | 4,501 |
| Loan and lease loss provision to assets | 0.0703% | 2,859 |
| Net operating income to assets | 1.1245% | 1,768 |
| Return on assets (ROA) | 1.1245% | 1,867 |
| Pretax return on assets | 1.4759% | 1,368 |
| Return on Equity (ROE) | 9.7039% | 1,839 |
| Retained earnings to average equity (ytd only) | 4.7382% | 2,398 |
| Net charge-offs to loans | -0.0220% | 4,363 |
| Credit loss provision to net charge-offs | -533.3333% | 3,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7233% | 4,234 |
| Assets per employee ($millions) | 6.5274% | 1,329 |
| Cash dividends to net income (ytd only)* | 51.1719% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 3,948 |
| Loan loss allowance to noncurrent loans | 730.1370% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,034 |
| Noncurrent loans to loans | 0.1296% | 3,998 |
| Net loans and leases to total assets | 61.0748% | 3,390 |
| Net loans and leases to deposits | 75.7615% | 3,094 |
| Net loans and leases to core deposits | 77.5964% | 3,383 |
| Total domestic deposits to total assets | 80.6146% | 3,738 |
| Equity capital to assets | 11.5787% | 2,374 |
| Core capital (leverage) ratio | 8.2707% | 4,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6361% | 2,428 |
| Memoranda: | ||
| Average total assets | $91,062,500 | 4,103 |
| Average earning assets | $84,376,000 | 4,102 |
| Average equity | $10,552,500 | 4,176 |
| Average total loans | $54,610,500 | 4,059 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 3,531 |
| Cost of funding earning assets | 0.7717% | 2,826 |
| Net interest margin | 3.5336% | 3,334 |
| Noninterest income to average assets | 0.3269% | 3,743 |
| Noninterest expense to average assets | 1.9649% | 4,590 |
| Loan and lease loss provision to assets | 0.1758% | 1,185 |
| Net operating income to assets | 1.0964% | 2,461 |
| Return on assets (ROA) | 1.0964% | 2,558 |
| Pretax return on assets | 1.4445% | 1,999 |
| Return on Equity (ROE) | 9.0838% | 2,715 |
| Retained earnings to average equity (ytd only) | 4.4490% | 2,734 |
| Net charge-offs to loans | 0.1750% | 1,155 |
| Credit loss provision to net charge-offs | 160.2151% | 1,609 |
| Earnings coverage of net charge-offs (x) | 14.7634% | 2,265 |
| Efficiency ratio | 54.8058% | 4,342 |
| Assets per employee ($millions) | 6.4816% | 1,299 |
| Cash dividends to net income (ytd only)* | 51.0226% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,638 |
| Loan loss allowance to noncurrent loans | 519.1919% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 3,894 |
| Noncurrent loans to loans | 0.1872% | 3,781 |
| Net loans and leases to total assets | 57.7043% | 3,789 |
| Net loans and leases to deposits | 72.4302% | 3,485 |
| Net loans and leases to core deposits | 74.2039% | 3,703 |
| Total domestic deposits to total assets | 79.6687% | 4,045 |
| Equity capital to assets | 11.5977% | 2,433 |
| Core capital (leverage) ratio | 7.8948% | 5,059 |
| Tier 1 risk-based capital ratio | 12.5719% | 4,022 |
| Total risk-based capital ratio | 13.5223% | 4,073 |
| Memoranda: | ||
| Average total assets | $84,735,000 | 4,218 |
| Average earning assets | $78,136,000 | 4,213 |
| Average equity | $10,227,000 | 4,211 |
| Average total loans | $53,137,600 | 4,121 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 3,492 |
| Cost of funding earning assets | 0.7549% | 2,948 |
| Net interest margin | 3.6022% | 3,242 |
| Noninterest income to average assets | 0.2931% | 3,984 |
| Noninterest expense to average assets | 1.9287% | 4,672 |
| Loan and lease loss provision to assets | 0.1842% | 982 |
| Net operating income to assets | 1.1389% | 2,420 |
| Return on assets (ROA) | 1.1389% | 2,503 |
| Pretax return on assets | 1.4978% | 1,963 |
| Return on Equity (ROE) | 9.3372% | 2,743 |
| Retained earnings to average equity (ytd only) | 4.9772% | 2,900 |
| Net charge-offs to loans | 0.1829% | 939 |
| Credit loss provision to net charge-offs | 157.5342% | 1,574 |
| Earnings coverage of net charge-offs (x) | 14.3837% | 2,248 |
| Efficiency ratio | 53.4161% | 4,451 |
| Assets per employee ($millions) | 6.6368% | 1,201 |
| Cash dividends to net income (ytd only)* | 46.6951% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 3,784 |
| Loan loss allowance to noncurrent loans | 316.4557% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,840 |
| Noncurrent loans to loans | 0.3031% | 3,448 |
| Net loans and leases to total assets | 59.8303% | 3,690 |
| Net loans and leases to deposits | 75.5964% | 3,333 |
| Net loans and leases to core deposits | 77.5218% | 3,588 |
| Total domestic deposits to total assets | 79.1444% | 4,155 |
| Equity capital to assets | 12.0922% | 2,186 |
| Core capital (leverage) ratio | 8.4156% | 4,980 |
| Tier 1 risk-based capital ratio | 12.2938% | 4,261 |
| Total risk-based capital ratio | 13.2081% | 4,322 |
| Memoranda: | ||
| Average total assets | $83,233,250 | 4,291 |
| Average earning assets | $76,654,000 | 4,287 |
| Average equity | $10,152,750 | 4,262 |
| Average total loans | $53,203,000 | 4,169 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 3,654 |
| Cost of funding earning assets | 0.7463% | 2,910 |
| Net interest margin | 3.5468% | 3,444 |
| Noninterest income to average assets | 0.2968% | 3,954 |
| Noninterest expense to average assets | 1.9485% | 4,684 |
| Loan and lease loss provision to assets | 0.0900% | 2,048 |
| Net operating income to assets | 1.1409% | 2,367 |
| Return on assets (ROA) | 1.1409% | 2,443 |
| Pretax return on assets | 1.5301% | 1,758 |
| Return on Equity (ROE) | 9.3247% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.6067% | 2,467 |
| Net charge-offs to loans | 0.0149% | 2,602 |
| Credit loss provision to net charge-offs | 925.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 455 |
| Efficiency ratio | 54.6012% | 4,400 |
| Assets per employee ($millions) | 6.3682% | 1,300 |
| Cash dividends to net income (ytd only)* | 39.8721% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 3,984 |
| Loan loss allowance to noncurrent loans | 156.8690% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3781% | 2,995 |
| Noncurrent loans to loans | 0.5895% | 2,503 |
| Net loans and leases to total assets | 63.5385% | 3,394 |
| Net loans and leases to deposits | 78.3487% | 3,128 |
| Net loans and leases to core deposits | 80.4961% | 3,385 |
| Total domestic deposits to total assets | 81.0970% | 3,777 |
| Equity capital to assets | 12.4659% | 1,879 |
| Core capital (leverage) ratio | 8.5597% | 4,937 |
| Tier 1 risk-based capital ratio | 12.1120% | 4,354 |
| Total risk-based capital ratio | 12.9890% | 4,453 |
| Memoranda: | ||
| Average total assets | $82,218,000 | 4,343 |
| Average earning assets | $75,844,000 | 4,334 |
| Average equity | $10,059,330 | 4,295 |
| Average total loans | $53,563,670 | 4,186 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2530% | 3,702 |
| Cost of funding earning assets | 0.7459% | 2,807 |
| Net interest margin | 3.5071% | 3,574 |
| Noninterest income to average assets | 0.3027% | 3,857 |
| Noninterest expense to average assets | 1.9137% | 4,774 |
| Loan and lease loss provision to assets | 0.1269% | 1,382 |
| Net operating income to assets | 1.1131% | 2,418 |
| Return on assets (ROA) | 1.1131% | 2,466 |
| Pretax return on assets | 1.4988% | 1,779 |
| Return on Equity (ROE) | 9.1852% | 2,713 |
| Retained earnings to average equity (ytd only) | 7.0903% | 2,002 |
| Net charge-offs to loans | 0.0297% | 1,861 |
| Credit loss provision to net charge-offs | 650.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 83.2500% | 744 |
| Efficiency ratio | 54.0690% | 4,528 |
| Assets per employee ($millions) | 6.3506% | 1,316 |
| Cash dividends to net income (ytd only)* | 22.8070% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,146 |
| Loan loss allowance to noncurrent loans | 148.6068% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 3,012 |
| Noncurrent loans to loans | 0.6071% | 2,516 |
| Net loans and leases to total assets | 63.8606% | 3,304 |
| Net loans and leases to deposits | 79.7839% | 2,864 |
| Net loans and leases to core deposits | 82.0257% | 3,183 |
| Total domestic deposits to total assets | 80.0419% | 4,170 |
| Equity capital to assets | 12.1854% | 1,912 |
| Core capital (leverage) ratio | 8.4800% | 5,021 |
| Tier 1 risk-based capital ratio | 12.1859% | 4,358 |
| Total risk-based capital ratio | 13.0625% | 4,462 |
| Memoranda: | ||
| Average total assets | $81,934,000 | 4,383 |
| Average earning assets | $75,617,000 | 4,379 |
| Average equity | $9,929,000 | 4,338 |
| Average total loans | $53,799,500 | 4,218 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 4,064 |
| Cost of funding earning assets | 0.6046% | 2,681 |
| Net interest margin | 3.3827% | 4,042 |
| Noninterest income to average assets | 0.2764% | 4,253 |
| Noninterest expense to average assets | 1.8987% | 4,894 |
| Loan and lease loss provision to assets | 0.5341% | 216 |
| Net operating income to assets | 0.7517% | 3,965 |
| Return on assets (ROA) | 0.7517% | 3,967 |
| Pretax return on assets | 0.9506% | 3,757 |
| Return on Equity (ROE) | 6.1966% | 4,110 |
| Retained earnings to average equity (ytd only) | 1.8559% | 4,406 |
| Net charge-offs to loans | 0.7686% | 203 |
| Credit loss provision to net charge-offs | 109.2072% | 2,352 |
| Earnings coverage of net charge-offs (x) | 3.0358% | 3,458 |
| Efficiency ratio | 56.1183% | 4,391 |
| Assets per employee ($millions) | 6.2546% | 1,353 |
| Cash dividends to net income (ytd only)* | 70.0499% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,384 |
| Loan loss allowance to noncurrent loans | 209.1324% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,505 |
| Noncurrent loans to loans | 0.4026% | 3,084 |
| Net loans and leases to total assets | 66.3375% | 3,081 |
| Net loans and leases to deposits | 84.9045% | 2,419 |
| Net loans and leases to core deposits | 86.6782% | 2,869 |
| Total domestic deposits to total assets | 78.1318% | 4,468 |
| Equity capital to assets | 12.0502% | 1,863 |
| Core capital (leverage) ratio | 8.1656% | 5,185 |
| Tier 1 risk-based capital ratio | 11.7048% | 4,624 |
| Total risk-based capital ratio | 12.5314% | 4,737 |
| Memoranda: | ||
| Average total assets | $79,950,600 | 4,432 |
| Average earning assets | $73,432,000 | 4,431 |
| Average equity | $9,698,800 | 4,351 |
| Average total loans | $50,868,600 | 4,297 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8636% | 4,296 |
| Cost of funding earning assets | 0.5204% | 3,059 |
| Net interest margin | 3.3432% | 4,173 |
| Noninterest income to average assets | 0.2730% | 4,327 |
| Noninterest expense to average assets | 1.8808% | 4,937 |
| Loan and lease loss provision to assets | 0.3617% | 369 |
| Net operating income to assets | 0.8558% | 3,712 |
| Return on assets (ROA) | 0.8558% | 3,720 |
| Pretax return on assets | 1.0970% | 3,416 |
| Return on Equity (ROE) | 7.0428% | 3,919 |
| Retained earnings to average equity (ytd only) | 2.0949% | 4,546 |
| Net charge-offs to loans | 0.5255% | 288 |
| Credit loss provision to net charge-offs | 109.6447% | 2,117 |
| Earnings coverage of net charge-offs (x) | 4.4213% | 3,064 |
| Efficiency ratio | 56.3190% | 4,342 |
| Assets per employee ($millions) | 6.2589% | 1,304 |
| Cash dividends to net income (ytd only)* | 70.2533% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,468 |
| Loan loss allowance to noncurrent loans | 88.0240% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 2,336 |
| Noncurrent loans to loans | 0.9644% | 1,763 |
| Net loans and leases to total assets | 63.3041% | 3,508 |
| Net loans and leases to deposits | 83.1257% | 2,694 |
| Net loans and leases to core deposits | 84.8986% | 3,088 |
| Total domestic deposits to total assets | 76.1547% | 4,772 |
| Equity capital to assets | 11.9079% | 1,961 |
| Core capital (leverage) ratio | 8.7651% | 4,911 |
| Tier 1 risk-based capital ratio | 12.0942% | 4,452 |
| Total risk-based capital ratio | 12.9174% | 4,584 |
| Memoranda: | ||
| Average total assets | $79,610,750 | 4,480 |
| Average earning assets | $73,021,750 | 4,483 |
| Average equity | $9,674,000 | 4,391 |
| Average total loans | $49,986,500 | 4,362 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7983% | 4,349 |
| Cost of funding earning assets | 0.4858% | 3,126 |
| Net interest margin | 3.3124% | 4,215 |
| Noninterest income to average assets | 0.2657% | 4,408 |
| Noninterest expense to average assets | 1.9006% | 4,961 |
| Loan and lease loss provision to assets | 0.0683% | 2,515 |
| Net operating income to assets | 1.0275% | 2,905 |
| Return on assets (ROA) | 1.0275% | 2,909 |
| Pretax return on assets | 1.3337% | 2,383 |
| Return on Equity (ROE) | 8.3980% | 3,315 |
| Retained earnings to average equity (ytd only) | 3.5578% | 3,820 |
| Net charge-offs to loans | 0.0324% | 2,201 |
| Credit loss provision to net charge-offs | 337.5000% | 926 |
| Earnings coverage of net charge-offs (x) | 69.2500% | 917 |
| Efficiency ratio | 57.5479% | 4,301 |
| Assets per employee ($millions) | 5.9861% | 1,474 |
| Cash dividends to net income (ytd only)* | 57.6355% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,354 |
| Loan loss allowance to noncurrent loans | 551.2500% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,482 |
| Noncurrent loans to loans | 0.1627% | 4,176 |
| Net loans and leases to total assets | 62.6107% | 3,535 |
| Net loans and leases to deposits | 77.0958% | 3,244 |
| Net loans and leases to core deposits | 78.7379% | 3,516 |
| Total domestic deposits to total assets | 81.2115% | 3,941 |
| Equity capital to assets | 12.4995% | 1,532 |
| Core capital (leverage) ratio | 8.6900% | 4,966 |
| Tier 1 risk-based capital ratio | 12.8578% | 3,978 |
| Total risk-based capital ratio | 13.7248% | 4,095 |
| Memoranda: | ||
| Average total assets | $79,025,670 | 4,532 |
| Average earning assets | $72,454,000 | 4,540 |
| Average equity | $9,669,000 | 4,431 |
| Average total loans | $49,332,330 | 4,418 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 4,381 |
| Cost of funding earning assets | 0.4429% | 3,264 |
| Net interest margin | 3.2971% | 4,200 |
| Noninterest income to average assets | 0.2713% | 4,355 |
| Noninterest expense to average assets | 1.8636% | 5,079 |
| Loan and lease loss provision to assets | 0.1105% | 1,698 |
| Net operating income to assets | 0.9996% | 2,861 |
| Return on assets (ROA) | 0.9996% | 2,880 |
| Pretax return on assets | 1.3262% | 2,265 |
| Return on Equity (ROE) | 8.2573% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.4440% | 3,827 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4688% | 4,522 |
| Assets per employee ($millions) | 6.1049% | 1,426 |
| Cash dividends to net income (ytd only)* | 58.2915% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,364 |
| Loan loss allowance to noncurrent loans | 493.3333% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,527 |
| Noncurrent loans to loans | 0.1862% | 4,125 |
| Net loans and leases to total assets | 60.3573% | 3,717 |
| Net loans and leases to deposits | 74.4884% | 3,368 |
| Net loans and leases to core deposits | 76.3573% | 3,643 |
| Total domestic deposits to total assets | 81.0292% | 4,194 |
| Equity capital to assets | 12.1428% | 1,689 |
| Core capital (leverage) ratio | 8.5509% | 5,104 |
| Tier 1 risk-based capital ratio | 12.6602% | 4,136 |
| Total risk-based capital ratio | 13.5329% | 4,282 |
| Memoranda: | ||
| Average total assets | $79,629,000 | 4,578 |
| Average earning assets | $73,155,000 | 4,569 |
| Average equity | $9,640,000 | 4,480 |
| Average total loans | $49,416,500 | 4,455 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,653 |
| Cost of funding earning assets | 0.3718% | 3,499 |
| Net interest margin | 3.1917% | 4,465 |
| Noninterest income to average assets | 0.2755% | 4,481 |
| Noninterest expense to average assets | 1.8290% | 5,217 |
| Loan and lease loss provision to assets | 0.3520% | 445 |
| Net operating income to assets | 0.7398% | 3,426 |
| Return on assets (ROA) | 0.7398% | 3,470 |
| Pretax return on assets | 1.0178% | 3,505 |
| Return on Equity (ROE) | 6.1003% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.0615% | 4,085 |
| Net charge-offs to loans | 0.7791% | 263 |
| Credit loss provision to net charge-offs | 77.3109% | 2,986 |
| Earnings coverage of net charge-offs (x) | 3.0084% | 3,662 |
| Efficiency ratio | 57.1770% | 4,625 |
| Assets per employee ($millions) | 6.1457% | 1,418 |
| Cash dividends to net income (ytd only)* | 66.2069% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 4,715 |
| Loan loss allowance to noncurrent loans | 534.1772% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,634 |
| Noncurrent loans to loans | 0.1565% | 4,306 |
| Net loans and leases to total assets | 62.6643% | 3,533 |
| Net loans and leases to deposits | 79.4367% | 2,977 |
| Net loans and leases to core deposits | 81.4661% | 3,288 |
| Total domestic deposits to total assets | 78.8858% | 4,565 |
| Equity capital to assets | 12.0697% | 1,786 |
| Core capital (leverage) ratio | 8.3155% | 5,274 |
| Tier 1 risk-based capital ratio | 12.2852% | 4,344 |
| Total risk-based capital ratio | 13.1009% | 4,517 |
| Memoranda: | ||
| Average total assets | $78,403,000 | 4,621 |
| Average earning assets | $71,810,800 | 4,632 |
| Average equity | $9,507,800 | 4,524 |
| Average total loans | $45,824,200 | 4,573 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4743% | 4,853 |
| Cost of funding earning assets | 0.3506% | 3,659 |
| Net interest margin | 3.1237% | 4,644 |
| Noninterest income to average assets | 0.2836% | 4,496 |
| Noninterest expense to average assets | 1.8129% | 5,260 |
| Loan and lease loss provision to assets | 0.4408% | 296 |
| Net operating income to assets | 0.6989% | 3,994 |
| Return on assets (ROA) | 0.6989% | 4,052 |
| Pretax return on assets | 0.8919% | 4,066 |
| Return on Equity (ROE) | 5.7560% | 4,225 |
| Retained earnings to average equity (ytd only) | 1.8858% | 4,684 |
| Net charge-offs to loans | 1.0509% | 166 |
| Credit loss provision to net charge-offs | 73.2955% | 2,665 |
| Earnings coverage of net charge-offs (x) | 2.2159% | 3,492 |
| Efficiency ratio | 57.6317% | 4,550 |
| Assets per employee ($millions) | 6.1240% | 1,417 |
| Cash dividends to net income (ytd only)* | 67.2376% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,494 |
| Loan loss allowance to noncurrent loans | 134.5395% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 3,502 |
| Noncurrent loans to loans | 0.6797% | 2,671 |
| Net loans and leases to total assets | 55.6662% | 4,259 |
| Net loans and leases to deposits | 72.8347% | 3,683 |
| Net loans and leases to core deposits | 74.7638% | 3,908 |
| Total domestic deposits to total assets | 76.4282% | 4,965 |
| Equity capital to assets | 12.1364% | 1,877 |
| Core capital (leverage) ratio | 8.3100% | 5,364 |
| Tier 1 risk-based capital ratio | 13.6807% | 3,594 |
| Total risk-based capital ratio | 14.5393% | 3,741 |
| Memoranda: | ||
| Average total assets | $78,030,250 | 4,673 |
| Average earning assets | $71,494,500 | 4,685 |
| Average equity | $9,474,000 | 4,579 |
| Average total loans | $44,658,500 | 4,646 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 4,935 |
| Cost of funding earning assets | 0.3238% | 3,852 |
| Net interest margin | 3.0974% | 4,692 |
| Noninterest income to average assets | 0.2942% | 4,436 |
| Noninterest expense to average assets | 1.8193% | 5,288 |
| Loan and lease loss provision to assets | 0.6477% | 172 |
| Net operating income to assets | 0.5858% | 4,367 |
| Return on assets (ROA) | 0.5858% | 4,420 |
| Pretax return on assets | 0.6658% | 4,646 |
| Return on Equity (ROE) | 4.8240% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.8488% | 4,508 |
| Net charge-offs to loans | 1.5862% | 108 |
| Credit loss provision to net charge-offs | 70.9040% | 2,371 |
| Earnings coverage of net charge-offs (x) | 1.4379% | 3,281 |
| Efficiency ratio | 58.0725% | 4,581 |
| Assets per employee ($millions) | 6.0125% | 1,457 |
| Cash dividends to net income (ytd only)* | 61.6740% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,637 |
| Loan loss allowance to noncurrent loans | 481.9277% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,772 |
| Noncurrent loans to loans | 0.1870% | 4,371 |
| Net loans and leases to total assets | 56.2754% | 4,201 |
| Net loans and leases to deposits | 69.6301% | 3,937 |
| Net loans and leases to core deposits | 71.1149% | 4,147 |
| Total domestic deposits to total assets | 80.8206% | 4,229 |
| Equity capital to assets | 12.3039% | 1,730 |
| Core capital (leverage) ratio | 8.7320% | 5,022 |
| Tier 1 risk-based capital ratio | 13.1214% | 3,933 |
| Total risk-based capital ratio | 13.9497% | 4,094 |
| Memoranda: | ||
| Average total assets | $77,503,000 | 4,714 |
| Average earning assets | $71,027,670 | 4,726 |
| Average equity | $9,411,330 | 4,607 |
| Average total loans | $44,636,000 | 4,671 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 5,027 |
| Cost of funding earning assets | 0.3175% | 3,874 |
| Net interest margin | 3.0332% | 4,824 |
| Noninterest income to average assets | 0.3110% | 4,327 |
| Noninterest expense to average assets | 1.8193% | 5,350 |
| Loan and lease loss provision to assets | 1.3010% | 61 |
| Net operating income to assets | -0.4509% | 5,732 |
| Return on assets (ROA) | -0.4509% | 5,729 |
| Pretax return on assets | -0.0363% | 5,616 |
| Return on Equity (ROE) | -3.7385% | 5,719 |
| Retained earnings to average equity (ytd only) | -9.7545% | 5,573 |
| Net charge-offs to loans | 0.0536% | 1,803 |
| Credit loss provision to net charge-offs | 4,183.3333% | 71 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 1,032 |
| Efficiency ratio | 58.9916% | 4,590 |
| Assets per employee ($millions) | 5.9117% | 1,576 |
| Cash dividends to net income (ytd only)* | -160.9195% | 5,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 1,132 |
| Loan loss allowance to noncurrent loans | 193.2817% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 3,205 |
| Noncurrent loans to loans | 0.8818% | 2,268 |
| Net loans and leases to total assets | 56.1352% | 4,156 |
| Net loans and leases to deposits | 68.6467% | 3,927 |
| Net loans and leases to core deposits | 70.1160% | 4,140 |
| Total domestic deposits to total assets | 81.7741% | 4,226 |
| Equity capital to assets | 11.9906% | 1,855 |
| Core capital (leverage) ratio | 8.0310% | 5,550 |
| Tier 1 risk-based capital ratio | 13.4255% | 3,819 |
| Total risk-based capital ratio | 14.6888% | 3,730 |
| Memoranda: | ||
| Average total assets | $77,173,500 | 4,767 |
| Average earning assets | $70,553,000 | 4,777 |
| Average equity | $9,308,500 | 4,658 |
| Average total loans | $44,761,000 | 4,707 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 5,083 |
| Cost of funding earning assets | 0.3101% | 3,958 |
| Net interest margin | 3.0375% | 4,883 |
| Noninterest income to average assets | 0.3282% | 4,390 |
| Noninterest expense to average assets | 1.8295% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8919% | 2,870 |
| Return on assets (ROA) | 0.8919% | 2,987 |
| Pretax return on assets | 1.3038% | 2,269 |
| Return on Equity (ROE) | 7.2105% | 3,366 |
| Retained earnings to average equity (ytd only) | 2.0405% | 4,381 |
| Net charge-offs to loans | 0.1068% | 2,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.2128% | 1,807 |
| Efficiency ratio | 58.3890% | 4,806 |
| Assets per employee ($millions) | 5.9612% | 1,507 |
| Cash dividends to net income (ytd only)* | 71.7009% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,699 |
| Loan loss allowance to noncurrent loans | 129.6392% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 3,258 |
| Noncurrent loans to loans | 0.8503% | 2,405 |
| Net loans and leases to total assets | 58.2360% | 4,047 |
| Net loans and leases to deposits | 74.3542% | 3,476 |
| Net loans and leases to core deposits | 75.8538% | 3,759 |
| Total domestic deposits to total assets | 78.3225% | 4,928 |
| Equity capital to assets | 12.1324% | 1,719 |
| Core capital (leverage) ratio | 8.5125% | 5,249 |
| Tier 1 risk-based capital ratio | 14.5321% | 3,184 |
| Total risk-based capital ratio | 15.6603% | 3,165 |
| Memoranda: | ||
| Average total assets | $76,467,800 | 4,806 |
| Average earning assets | $70,618,400 | 4,790 |
| Average equity | $9,458,400 | 4,664 |
| Average total loans | $44,023,200 | 4,751 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 5,239 |
| Cost of funding earning assets | 0.3048% | 4,046 |
| Net interest margin | 2.9779% | 5,055 |
| Noninterest income to average assets | 0.3289% | 4,430 |
| Noninterest expense to average assets | 1.8265% | 5,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8607% | 3,094 |
| Return on assets (ROA) | 0.8607% | 3,224 |
| Pretax return on assets | 1.2544% | 2,601 |
| Return on Equity (ROE) | 6.9251% | 3,601 |
| Retained earnings to average equity (ytd only) | 1.8016% | 4,785 |
| Net charge-offs to loans | 0.0947% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 23.1304% | 1,721 |
| Efficiency ratio | 59.2845% | 4,652 |
| Assets per employee ($millions) | 6.1064% | 1,351 |
| Cash dividends to net income (ytd only)* | 73.9840% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,504 |
| Loan loss allowance to noncurrent loans | 128.4653% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 3,415 |
| Noncurrent loans to loans | 0.9005% | 2,447 |
| Net loans and leases to total assets | 55.8596% | 4,322 |
| Net loans and leases to deposits | 72.3400% | 3,771 |
| Net loans and leases to core deposits | 73.7833% | 4,018 |
| Total domestic deposits to total assets | 77.2180% | 5,041 |
| Equity capital to assets | 12.0429% | 2,090 |
| Core capital (leverage) ratio | 8.5695% | 5,294 |
| Tier 1 risk-based capital ratio | 14.1138% | 3,499 |
| Total risk-based capital ratio | 15.2534% | 3,480 |
| Memoranda: | ||
| Average total assets | $76,211,000 | 4,841 |
| Average earning assets | $70,427,250 | 4,834 |
| Average equity | $9,472,500 | 4,706 |
| Average total loans | $43,620,750 | 4,796 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2813% | 5,321 |
| Cost of funding earning assets | 0.3056% | 4,060 |
| Net interest margin | 2.9757% | 5,127 |
| Noninterest income to average assets | 0.3300% | 4,421 |
| Noninterest expense to average assets | 1.8469% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8463% | 3,111 |
| Return on assets (ROA) | 0.8463% | 3,240 |
| Pretax return on assets | 1.2295% | 2,670 |
| Return on Equity (ROE) | 6.7349% | 3,678 |
| Retained earnings to average equity (ytd only) | 1.4402% | 4,800 |
| Net charge-offs to loans | 0.1018% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,707 |
| Efficiency ratio | 60.0346% | 4,636 |
| Assets per employee ($millions) | 5.6458% | 1,665 |
| Cash dividends to net income (ytd only)* | 78.6164% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 3,230 |
| Loan loss allowance to noncurrent loans | 129.4118% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 3,354 |
| Noncurrent loans to loans | 0.9453% | 2,391 |
| Net loans and leases to total assets | 58.0863% | 4,105 |
| Net loans and leases to deposits | 70.5144% | 3,934 |
| Net loans and leases to core deposits | 71.6364% | 4,211 |
| Total domestic deposits to total assets | 82.3751% | 3,883 |
| Equity capital to assets | 12.9557% | 1,528 |
| Core capital (leverage) ratio | 8.6581% | 5,207 |
| Tier 1 risk-based capital ratio | 14.4160% | 3,369 |
| Total risk-based capital ratio | 15.6111% | 3,317 |
| Memoranda: | ||
| Average total assets | $75,153,670 | 4,908 |
| Average earning assets | $69,362,000 | 4,903 |
| Average equity | $9,443,330 | 4,746 |
| Average total loans | $43,207,000 | 4,857 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2298% | 5,443 |
| Cost of funding earning assets | 0.3019% | 4,145 |
| Net interest margin | 2.9279% | 5,268 |
| Noninterest income to average assets | 0.3367% | 4,325 |
| Noninterest expense to average assets | 1.7940% | 5,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8733% | 2,884 |
| Return on assets (ROA) | 0.8733% | 2,998 |
| Pretax return on assets | 1.2468% | 2,518 |
| Return on Equity (ROE) | 7.0559% | 3,422 |
| Retained earnings to average equity (ytd only) | 1.5302% | 4,658 |
| Net charge-offs to loans | 0.1295% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 16.9286% | 1,597 |
| Efficiency ratio | 58.9965% | 4,874 |
| Assets per employee ($millions) | 5.7166% | 1,651 |
| Cash dividends to net income (ytd only)* | 78.3133% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 3,156 |
| Loan loss allowance to noncurrent loans | 133.6658% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,451 |
| Noncurrent loans to loans | 0.9378% | 2,505 |
| Net loans and leases to total assets | 56.8141% | 4,169 |
| Net loans and leases to deposits | 69.3050% | 3,918 |
| Net loans and leases to core deposits | 70.4451% | 4,210 |
| Total domestic deposits to total assets | 81.9770% | 4,239 |
| Equity capital to assets | 12.7092% | 1,555 |
| Core capital (leverage) ratio | 8.6844% | 5,194 |
| Tier 1 risk-based capital ratio | 14.4075% | 3,440 |
| Total risk-based capital ratio | 15.6264% | 3,387 |
| Memoranda: | ||
| Average total assets | $76,032,500 | 4,939 |
| Average earning assets | $70,221,500 | 4,922 |
| Average equity | $9,410,500 | 4,776 |
| Average total loans | $43,230,000 | 4,888 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1529% | 5,576 |
| Cost of funding earning assets | 0.2882% | 4,385 |
| Net interest margin | 2.8648% | 5,393 |
| Noninterest income to average assets | 0.3277% | 4,558 |
| Noninterest expense to average assets | 1.7947% | 5,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8049% | 3,314 |
| Return on assets (ROA) | 0.8049% | 3,397 |
| Pretax return on assets | 1.1785% | 2,736 |
| Return on Equity (ROE) | 6.6057% | 3,727 |
| Retained earnings to average equity (ytd only) | 1.5492% | 4,836 |
| Net charge-offs to loans | 0.0255% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 81.7273% | 688 |
| Efficiency ratio | 60.3616% | 4,862 |
| Assets per employee ($millions) | 5.9807% | 1,403 |
| Cash dividends to net income (ytd only)* | 76.5472% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 3,117 |
| Loan loss allowance to noncurrent loans | 122.4944% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 3,359 |
| Noncurrent loans to loans | 1.0274% | 2,282 |
| Net loans and leases to total assets | 55.5017% | 4,336 |
| Net loans and leases to deposits | 69.7970% | 3,944 |
| Net loans and leases to core deposits | 70.2229% | 4,289 |
| Total domestic deposits to total assets | 79.5187% | 4,864 |
| Equity capital to assets | 12.0593% | 1,915 |
| Core capital (leverage) ratio | 8.3493% | 5,571 |
| Tier 1 risk-based capital ratio | 14.1087% | 3,658 |
| Total risk-based capital ratio | 15.3367% | 3,590 |
| Memoranda: | ||
| Average total assets | $76,282,000 | 4,943 |
| Average earning assets | $70,442,400 | 4,925 |
| Average equity | $9,295,000 | 4,787 |
| Average total loans | $43,117,600 | 4,893 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1079% | 5,699 |
| Cost of funding earning assets | 0.2853% | 4,499 |
| Net interest margin | 2.8226% | 5,544 |
| Noninterest income to average assets | 0.3214% | 4,643 |
| Noninterest expense to average assets | 1.7826% | 5,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7728% | 3,568 |
| Return on assets (ROA) | 0.7728% | 3,657 |
| Pretax return on assets | 1.1451% | 3,038 |
| Return on Equity (ROE) | 6.3252% | 3,996 |
| Retained earnings to average equity (ytd only) | 1.1500% | 5,252 |
| Net charge-offs to loans | 0.0372% | 3,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 54.3319% | 991 |
| Efficiency ratio | 60.8878% | 4,758 |
| Assets per employee ($millions) | 5.9701% | 1,394 |
| Cash dividends to net income (ytd only)* | 81.8188% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 3,278 |
| Loan loss allowance to noncurrent loans | 132.9298% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 3,713 |
| Noncurrent loans to loans | 0.9519% | 2,598 |
| Net loans and leases to total assets | 55.1971% | 4,446 |
| Net loans and leases to deposits | 71.3757% | 3,836 |
| Net loans and leases to core deposits | 72.1317% | 4,179 |
| Total domestic deposits to total assets | 77.3331% | 5,289 |
| Equity capital to assets | 12.0357% | 2,077 |
| Core capital (leverage) ratio | 8.3545% | 5,671 |
| Tier 1 risk-based capital ratio | 14.3216% | 3,667 |
| Total risk-based capital ratio | 15.5723% | 3,584 |
| Memoranda: | ||
| Average total assets | $75,915,250 | 5,006 |
| Average earning assets | $70,098,250 | 4,992 |
| Average equity | $9,274,750 | 4,852 |
| Average total loans | $42,971,500 | 4,953 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0714% | 5,773 |
| Cost of funding earning assets | 0.2844% | 4,563 |
| Net interest margin | 2.7870% | 5,638 |
| Noninterest income to average assets | 0.3238% | 4,632 |
| Noninterest expense to average assets | 1.7890% | 5,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7591% | 3,597 |
| Return on assets (ROA) | 0.7591% | 3,696 |
| Pretax return on assets | 1.1095% | 3,131 |
| Return on Equity (ROE) | 6.1820% | 4,046 |
| Retained earnings to average equity (ytd only) | 0.6268% | 5,310 |
| Net charge-offs to loans | 0.0607% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 32.1538% | 1,305 |
| Efficiency ratio | 61.7216% | 4,720 |
| Assets per employee ($millions) | 5.7519% | 1,530 |
| Cash dividends to net income (ytd only)* | 89.8601% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 3,290 |
| Loan loss allowance to noncurrent loans | 132.3671% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 3,762 |
| Noncurrent loans to loans | 0.9754% | 2,698 |
| Net loans and leases to total assets | 56.0267% | 4,332 |
| Net loans and leases to deposits | 68.7757% | 4,054 |
| Net loans and leases to core deposits | 69.4921% | 4,372 |
| Total domestic deposits to total assets | 81.4631% | 4,460 |
| Equity capital to assets | 12.4226% | 1,703 |
| Core capital (leverage) ratio | 8.5064% | 5,526 |
| Tier 1 risk-based capital ratio | 14.8702% | 3,432 |
| Total risk-based capital ratio | 16.1209% | 3,363 |
| Memoranda: | ||
| Average total assets | $75,350,000 | 5,071 |
| Average earning assets | $69,609,670 | 5,050 |
| Average equity | $9,252,670 | 4,893 |
| Average total loans | $42,832,670 | 4,996 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0287% | 5,867 |
| Cost of funding earning assets | 0.2805% | 4,664 |
| Net interest margin | 2.7482% | 5,742 |
| Noninterest income to average assets | 0.3279% | 4,569 |
| Noninterest expense to average assets | 1.7346% | 5,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7933% | 3,303 |
| Return on assets (ROA) | 0.7933% | 3,433 |
| Pretax return on assets | 1.1317% | 2,939 |
| Return on Equity (ROE) | 6.4974% | 3,765 |
| Retained earnings to average equity (ytd only) | 0.1299% | 5,332 |
| Net charge-offs to loans | 0.1766% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.2632% | 1,877 |
| Efficiency ratio | 60.5166% | 5,027 |
| Assets per employee ($millions) | 6.2503% | 1,225 |
| Cash dividends to net income (ytd only)* | 98.0000% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 3,398 |
| Loan loss allowance to noncurrent loans | 130.2885% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 3,821 |
| Noncurrent loans to loans | 0.9983% | 2,763 |
| Net loans and leases to total assets | 54.8351% | 4,336 |
| Net loans and leases to deposits | 67.3082% | 4,025 |
| Net loans and leases to core deposits | 68.0071% | 4,321 |
| Total domestic deposits to total assets | 81.4687% | 4,681 |
| Equity capital to assets | 12.3448% | 1,786 |
| Core capital (leverage) ratio | 8.4157% | 5,611 |
| Tier 1 risk-based capital ratio | 15.0215% | 3,422 |
| Total risk-based capital ratio | 16.2707% | 3,354 |
| Memoranda: | ||
| Average total assets | $75,637,500 | 5,116 |
| Average earning assets | $69,864,500 | 5,092 |
| Average equity | $9,234,500 | 4,934 |
| Average total loans | $43,028,000 | 5,020 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3559% | 5,615 |
| Cost of funding earning assets | 0.2860% | 4,940 |
| Net interest margin | 3.0699% | 5,277 |
| Noninterest income to average assets | 0.3213% | 4,821 |
| Noninterest expense to average assets | 1.7975% | 6,068 |
| Loan and lease loss provision to assets | 0.0013% | 4,583 |
| Net operating income to assets | 0.8987% | 2,880 |
| Return on assets (ROA) | 0.8987% | 2,968 |
| Pretax return on assets | 1.3581% | 2,049 |
| Return on Equity (ROE) | 7.4523% | 3,399 |
| Retained earnings to average equity (ytd only) | 2.1686% | 4,695 |
| Net charge-offs to loans | 0.0239% | 4,357 |
| Credit loss provision to net charge-offs | 9.0909% | 4,109 |
| Earnings coverage of net charge-offs (x) | 93.0909% | 559 |
| Efficiency ratio | 56.9386% | 5,575 |
| Assets per employee ($millions) | 6.3560% | 1,144 |
| Cash dividends to net income (ytd only)* | 70.9010% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 3,633 |
| Loan loss allowance to noncurrent loans | 128.0822% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 3,871 |
| Noncurrent loans to loans | 0.9868% | 2,863 |
| Net loans and leases to total assets | 57.4588% | 4,121 |
| Net loans and leases to deposits | 72.8947% | 3,566 |
| Net loans and leases to core deposits | 73.2015% | 4,005 |
| Total domestic deposits to total assets | 78.8245% | 5,288 |
| Equity capital to assets | 12.0752% | 1,961 |
| Core capital (leverage) ratio | 8.3918% | 5,673 |
| Tier 1 risk-based capital ratio | 14.4955% | 3,780 |
| Total risk-based capital ratio | 15.7451% | 3,718 |
| Memoranda: | ||
| Average total assets | $75,328,000 | 5,166 |
| Average earning assets | $69,579,800 | 5,132 |
| Average equity | $9,084,400 | 4,957 |
| Average total loans | $45,952,000 | 4,957 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3584% | 5,659 |
| Cost of funding earning assets | 0.2882% | 5,010 |
| Net interest margin | 3.0702% | 5,333 |
| Noninterest income to average assets | 0.3196% | 4,877 |
| Noninterest expense to average assets | 1.7880% | 6,106 |
| Loan and lease loss provision to assets | 0.0018% | 4,373 |
| Net operating income to assets | 0.8895% | 2,960 |
| Return on assets (ROA) | 0.8895% | 3,061 |
| Pretax return on assets | 1.3672% | 2,127 |
| Return on Equity (ROE) | 7.3785% | 3,510 |
| Retained earnings to average equity (ytd only) | 2.3711% | 4,869 |
| Net charge-offs to loans | 0.0115% | 4,335 |
| Credit loss provision to net charge-offs | 25.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | 192.8649% | 333 |
| Efficiency ratio | 56.6367% | 5,597 |
| Assets per employee ($millions) | 6.5580% | 995 |
| Cash dividends to net income (ytd only)* | 67.8643% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 3,810 |
| Loan loss allowance to noncurrent loans | 75.4316% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 3,054 |
| Noncurrent loans to loans | 1.6840% | 1,934 |
| Net loans and leases to total assets | 56.0981% | 4,319 |
| Net loans and leases to deposits | 74.5915% | 3,358 |
| Net loans and leases to core deposits | 75.3902% | 3,822 |
| Total domestic deposits to total assets | 75.2071% | 5,906 |
| Equity capital to assets | 11.6296% | 2,375 |
| Core capital (leverage) ratio | 8.2412% | 5,889 |
| Tier 1 risk-based capital ratio | 14.2426% | 4,056 |
| Total risk-based capital ratio | 15.4936% | 3,982 |
| Memoranda: | ||
| Average total assets | $75,092,000 | 5,225 |
| Average earning assets | $69,396,000 | 5,191 |
| Average equity | $9,053,000 | 4,996 |
| Average total loans | $46,343,500 | 4,990 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3711% | 5,673 |
| Cost of funding earning assets | 0.2931% | 5,031 |
| Net interest margin | 3.0780% | 5,323 |
| Noninterest income to average assets | 0.3167% | 4,876 |
| Noninterest expense to average assets | 1.8081% | 6,133 |
| Loan and lease loss provision to assets | 0.0298% | 3,675 |
| Net operating income to assets | 0.8120% | 3,270 |
| Return on assets (ROA) | 0.8120% | 3,374 |
| Pretax return on assets | 1.3209% | 2,184 |
| Return on Equity (ROE) | 6.6519% | 3,800 |
| Retained earnings to average equity (ytd only) | 1.7738% | 5,010 |
| Net charge-offs to loans | 0.0085% | 4,105 |
| Credit loss provision to net charge-offs | 550.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 266 |
| Efficiency ratio | 57.2408% | 5,635 |
| Assets per employee ($millions) | 5.6928% | 1,526 |
| Cash dividends to net income (ytd only)* | 73.3333% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,074 |
| Loan loss allowance to noncurrent loans | 132.7231% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 4,210 |
| Noncurrent loans to loans | 0.9508% | 3,345 |
| Net loans and leases to total assets | 61.3226% | 3,520 |
| Net loans and leases to deposits | 74.8956% | 3,205 |
| Net loans and leases to core deposits | 75.9955% | 3,632 |
| Total domestic deposits to total assets | 81.8774% | 4,686 |
| Equity capital to assets | 12.2610% | 1,803 |
| Core capital (leverage) ratio | 8.4091% | 5,737 |
| Tier 1 risk-based capital ratio | 13.2922% | 4,724 |
| Total risk-based capital ratio | 14.5424% | 4,666 |
| Memoranda: | ||
| Average total assets | $73,890,670 | 5,292 |
| Average earning assets | $68,226,000 | 5,263 |
| Average equity | $9,020,000 | 5,019 |
| Average total loans | $46,886,330 | 5,003 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,647 |
| Cost of funding earning assets | 0.2995% | 5,072 |
| Net interest margin | 3.1003% | 5,248 |
| Noninterest income to average assets | 0.3196% | 4,817 |
| Noninterest expense to average assets | 1.7716% | 6,253 |
| Loan and lease loss provision to assets | 0.0596% | 2,916 |
| Net operating income to assets | 0.8397% | 2,952 |
| Return on assets (ROA) | 0.8397% | 3,026 |
| Pretax return on assets | 1.3490% | 1,919 |
| Return on Equity (ROE) | 6.8943% | 3,531 |
| Retained earnings to average equity (ytd only) | 2.2240% | 4,717 |
| Net charge-offs to loans | 0.0169% | 3,251 |
| Credit loss provision to net charge-offs | 550.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 377 |
| Efficiency ratio | 55.7070% | 5,865 |
| Assets per employee ($millions) | 5.7848% | 1,468 |
| Cash dividends to net income (ytd only)* | 67.7419% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 4,667 |
| Loan loss allowance to noncurrent loans | 358.0247% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,568 |
| Noncurrent loans to loans | 0.3333% | 5,115 |
| Net loans and leases to total assets | 63.8640% | 2,914 |
| Net loans and leases to deposits | 77.5154% | 2,624 |
| Net loans and leases to core deposits | 79.2799% | 3,060 |
| Total domestic deposits to total assets | 82.3888% | 4,817 |
| Equity capital to assets | 11.9904% | 1,874 |
| Core capital (leverage) ratio | 8.5187% | 5,614 |
| Tier 1 risk-based capital ratio | 13.1359% | 4,932 |
| Total risk-based capital ratio | 14.3840% | 4,863 |
| Memoranda: | ||
| Average total assets | $73,832,500 | 5,343 |
| Average earning assets | $68,123,500 | 5,314 |
| Average equity | $8,993,000 | 5,052 |
| Average total loans | $47,348,000 | 5,030 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2450% | 6,084 |
| Cost of funding earning assets | 0.3298% | 5,324 |
| Net interest margin | 2.9152% | 5,760 |
| Noninterest income to average assets | 0.3368% | 4,910 |
| Noninterest expense to average assets | 1.7748% | 6,363 |
| Loan and lease loss provision to assets | 0.3639% | 857 |
| Net operating income to assets | 0.5628% | 4,446 |
| Return on assets (ROA) | 0.5628% | 4,562 |
| Pretax return on assets | 0.8888% | 3,812 |
| Return on Equity (ROE) | 4.6691% | 4,802 |
| Retained earnings to average equity (ytd only) | 0.7969% | 5,481 |
| Net charge-offs to loans | 0.5246% | 1,264 |
| Credit loss provision to net charge-offs | 117.9825% | 2,040 |
| Earnings coverage of net charge-offs (x) | 4.0614% | 3,682 |
| Efficiency ratio | 58.6238% | 5,662 |
| Assets per employee ($millions) | 6.0386% | 1,250 |
| Cash dividends to net income (ytd only)* | 82.9327% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 4,444 |
| Loan loss allowance to noncurrent loans | 892.1875% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 6,079 |
| Noncurrent loans to loans | 0.1389% | 5,787 |
| Net loans and leases to total assets | 62.8155% | 3,234 |
| Net loans and leases to deposits | 79.0270% | 2,584 |
| Net loans and leases to core deposits | 80.4276% | 3,076 |
| Total domestic deposits to total assets | 79.4861% | 5,554 |
| Equity capital to assets | 12.3774% | 1,576 |
| Core capital (leverage) ratio | 8.4928% | 5,679 |
| Tier 1 risk-based capital ratio | 13.7330% | 4,496 |
| Total risk-based capital ratio | 14.9823% | 4,440 |
| Memoranda: | ||
| Average total assets | $73,922,400 | 5,378 |
| Average earning assets | $68,228,000 | 5,345 |
| Average equity | $8,909,600 | 5,106 |
| Average total loans | $43,461,600 | 5,219 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1638% | 6,244 |
| Cost of funding earning assets | 0.3345% | 5,436 |
| Net interest margin | 2.8293% | 5,962 |
| Noninterest income to average assets | 0.3374% | 4,991 |
| Noninterest expense to average assets | 1.7625% | 6,393 |
| Loan and lease loss provision to assets | 0.4326% | 668 |
| Net operating income to assets | 0.4900% | 4,838 |
| Return on assets (ROA) | 0.4900% | 4,996 |
| Pretax return on assets | 0.7538% | 4,475 |
| Return on Equity (ROE) | 4.0922% | 5,177 |
| Retained earnings to average equity (ytd only) | -1.0793% | 6,147 |
| Net charge-offs to loans | 0.7102% | 841 |
| Credit loss provision to net charge-offs | 105.7018% | 2,212 |
| Earnings coverage of net charge-offs (x) | 2.8991% | 3,872 |
| Efficiency ratio | 59.7687% | 5,469 |
| Assets per employee ($millions) | 6.2379% | 1,085 |
| Cash dividends to net income (ytd only)* | 126.3744% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 4,906 |
| Loan loss allowance to noncurrent loans | 662.1951% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 6,111 |
| Noncurrent loans to loans | 0.1798% | 5,790 |
| Net loans and leases to total assets | 60.1884% | 3,667 |
| Net loans and leases to deposits | 75.8357% | 2,984 |
| Net loans and leases to core deposits | 77.6351% | 3,403 |
| Total domestic deposits to total assets | 79.3668% | 5,660 |
| Equity capital to assets | 11.7360% | 2,100 |
| Core capital (leverage) ratio | 8.3480% | 5,919 |
| Tier 1 risk-based capital ratio | 13.4489% | 4,797 |
| Total risk-based capital ratio | 14.6904% | 4,748 |
| Memoranda: | ||
| Average total assets | $74,287,250 | 5,425 |
| Average earning assets | $68,565,750 | 5,391 |
| Average equity | $8,894,750 | 5,163 |
| Average total loans | $42,804,750 | 5,286 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1332% | 6,305 |
| Cost of funding earning assets | 0.3423% | 5,470 |
| Net interest margin | 2.7909% | 6,022 |
| Noninterest income to average assets | 0.3347% | 5,008 |
| Noninterest expense to average assets | 1.7814% | 6,402 |
| Loan and lease loss provision to assets | 0.4319% | 688 |
| Net operating income to assets | 0.4562% | 4,987 |
| Return on assets (ROA) | 0.4562% | 5,158 |
| Pretax return on assets | 0.6964% | 4,693 |
| Return on Equity (ROE) | 3.7844% | 5,295 |
| Retained earnings to average equity (ytd only) | -1.5899% | 6,137 |
| Net charge-offs to loans | 0.6973% | 942 |
| Credit loss provision to net charge-offs | 109.5890% | 2,016 |
| Earnings coverage of net charge-offs (x) | 2.8630% | 3,564 |
| Efficiency ratio | 61.2245% | 5,291 |
| Assets per employee ($millions) | 5.9417% | 1,241 |
| Cash dividends to net income (ytd only)* | 142.0118% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,393 |
| Loan loss allowance to noncurrent loans | 286.3158% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 5,693 |
| Noncurrent loans to loans | 0.4617% | 5,110 |
| Net loans and leases to total assets | 56.9593% | 4,142 |
| Net loans and leases to deposits | 67.7363% | 4,052 |
| Net loans and leases to core deposits | 69.0340% | 4,389 |
| Total domestic deposits to total assets | 84.0898% | 4,281 |
| Equity capital to assets | 12.3254% | 1,689 |
| Core capital (leverage) ratio | 8.2145% | 5,995 |
| Tier 1 risk-based capital ratio | 14.8337% | 3,884 |
| Total risk-based capital ratio | 16.0845% | 3,850 |
| Memoranda: | ||
| Average total assets | $74,098,000 | 5,459 |
| Average earning assets | $68,364,000 | 5,437 |
| Average equity | $8,931,330 | 5,188 |
| Average total loans | $41,874,000 | 5,338 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0372% | 6,470 |
| Cost of funding earning assets | 0.3560% | 5,475 |
| Net interest margin | 2.6812% | 6,245 |
| Noninterest income to average assets | 0.3391% | 4,985 |
| Noninterest expense to average assets | 1.7060% | 6,551 |
| Loan and lease loss provision to assets | 0.0371% | 3,978 |
| Net operating income to assets | 0.7047% | 3,662 |
| Return on assets (ROA) | 0.7047% | 3,801 |
| Pretax return on assets | 1.0702% | 3,075 |
| Return on Equity (ROE) | 5.9091% | 4,098 |
| Retained earnings to average equity (ytd only) | 0.1333% | 5,738 |
| Net charge-offs to loans | 0.0284% | 3,631 |
| Credit loss provision to net charge-offs | 233.3333% | 973 |
| Earnings coverage of net charge-offs (x) | 69.6667% | 513 |
| Efficiency ratio | 60.6403% | 5,499 |
| Assets per employee ($millions) | 5.6992% | 1,487 |
| Cash dividends to net income (ytd only)* | 97.7444% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,740 |
| Loan loss allowance to noncurrent loans | 132.1782% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 5,029 |
| Noncurrent loans to loans | 0.9782% | 4,177 |
| Net loans and leases to total assets | 55.0209% | 4,236 |
| Net loans and leases to deposits | 65.3495% | 4,144 |
| Net loans and leases to core deposits | 66.5779% | 4,456 |
| Total domestic deposits to total assets | 84.1949% | 4,396 |
| Equity capital to assets | 12.1474% | 1,940 |
| Core capital (leverage) ratio | 8.2382% | 5,895 |
| Tier 1 risk-based capital ratio | 15.1645% | 3,728 |
| Total risk-based capital ratio | 16.4146% | 3,680 |
| Memoranda: | ||
| Average total assets | $75,497,000 | 5,470 |
| Average earning assets | $69,669,500 | 5,444 |
| Average equity | $9,003,000 | 5,221 |
| Average total loans | $42,233,000 | 5,367 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 6,438 |
| Cost of funding earning assets | 0.4471% | 5,600 |
| Net interest margin | 2.9901% | 6,072 |
| Noninterest income to average assets | 0.3927% | 4,665 |
| Noninterest expense to average assets | 1.9774% | 6,370 |
| Loan and lease loss provision to assets | 0.0460% | 5,265 |
| Net operating income to assets | 0.7534% | 3,497 |
| Return on assets (ROA) | 0.7534% | 3,741 |
| Pretax return on assets | 1.1168% | 3,093 |
| Return on Equity (ROE) | 6.0470% | 4,149 |
| Retained earnings to average equity (ytd only) | 1.9113% | 4,871 |
| Net charge-offs to loans | 0.0490% | 5,225 |
| Credit loss provision to net charge-offs | 165.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 772 |
| Efficiency ratio | 62.9712% | 5,082 |
| Assets per employee ($millions) | 5.9157% | 1,346 |
| Cash dividends to net income (ytd only)* | 68.3919% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 4,985 |
| Loan loss allowance to noncurrent loans | 83.5962% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 4,417 |
| Noncurrent loans to loans | 1.4687% | 3,394 |
| Net loans and leases to total assets | 55.4418% | 4,389 |
| Net loans and leases to deposits | 67.0456% | 4,130 |
| Net loans and leases to core deposits | 67.8469% | 4,554 |
| Total domestic deposits to total assets | 82.6927% | 4,852 |
| Equity capital to assets | 11.7107% | 2,261 |
| Core capital (leverage) ratio | 8.5568% | 5,526 |
| Tier 1 risk-based capital ratio | 14.5050% | 4,033 |
| Total risk-based capital ratio | 15.7550% | 3,983 |
| Memoranda: | ||
| Average total assets | $71,812,400 | 5,579 |
| Average earning assets | $65,983,600 | 5,552 |
| Average equity | $8,946,600 | 5,239 |
| Average total loans | $40,776,200 | 5,468 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 6,574 |
| Cost of funding earning assets | 0.4673% | 5,662 |
| Net interest margin | 2.9749% | 6,222 |
| Noninterest income to average assets | 0.4102% | 4,554 |
| Noninterest expense to average assets | 2.0149% | 6,329 |
| Loan and lease loss provision to assets | 0.0340% | 5,347 |
| Net operating income to assets | 0.7504% | 3,690 |
| Return on assets (ROA) | 0.7504% | 3,945 |
| Pretax return on assets | 1.0925% | 3,378 |
| Return on Equity (ROE) | 5.9263% | 4,364 |
| Retained earnings to average equity (ytd only) | 2.3437% | 5,162 |
| Net charge-offs to loans | 0.0763% | 4,642 |
| Credit loss provision to net charge-offs | 78.2609% | 3,671 |
| Earnings coverage of net charge-offs (x) | 25.9097% | 1,232 |
| Efficiency ratio | 64.1396% | 4,785 |
| Assets per employee ($millions) | 5.7056% | 1,454 |
| Cash dividends to net income (ytd only)* | 60.4530% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,242 |
| Loan loss allowance to noncurrent loans | 95.7009% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 4,685 |
| Noncurrent loans to loans | 1.2630% | 3,942 |
| Net loans and leases to total assets | 56.4195% | 4,383 |
| Net loans and leases to deposits | 71.1604% | 3,726 |
| Net loans and leases to core deposits | 72.0796% | 4,240 |
| Total domestic deposits to total assets | 79.2849% | 5,807 |
| Equity capital to assets | 12.1365% | 2,159 |
| Core capital (leverage) ratio | 8.4372% | 5,842 |
| Tier 1 risk-based capital ratio | 14.6085% | 4,115 |
| Total risk-based capital ratio | 15.8586% | 4,086 |
| Memoranda: | ||
| Average total assets | $70,539,500 | 5,680 |
| Average earning assets | $64,763,250 | 5,650 |
| Average equity | $8,931,750 | 5,285 |
| Average total loans | $40,178,500 | 5,568 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4767% | 6,635 |
| Cost of funding earning assets | 0.4845% | 5,731 |
| Net interest margin | 2.9922% | 6,258 |
| Noninterest income to average assets | 0.4212% | 4,494 |
| Noninterest expense to average assets | 2.0626% | 6,313 |
| Loan and lease loss provision to assets | 0.0346% | 5,238 |
| Net operating income to assets | 0.7501% | 3,601 |
| Return on assets (ROA) | 0.7501% | 3,879 |
| Pretax return on assets | 1.0674% | 3,434 |
| Return on Equity (ROE) | 5.8372% | 4,402 |
| Retained earnings to average equity (ytd only) | 3.4799% | 4,278 |
| Net charge-offs to loans | 0.1369% | 3,832 |
| Credit loss provision to net charge-offs | 44.4444% | 4,157 |
| Earnings coverage of net charge-offs (x) | 14.1481% | 1,732 |
| Efficiency ratio | 65.1778% | 4,691 |
| Assets per employee ($millions) | 5.5264% | 1,594 |
| Cash dividends to net income (ytd only)* | 40.3846% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 5,089 |
| Loan loss allowance to noncurrent loans | 79.9043% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 4,448 |
| Noncurrent loans to loans | 1.5742% | 3,547 |
| Net loans and leases to total assets | 54.7430% | 4,668 |
| Net loans and leases to deposits | 65.8667% | 4,523 |
| Net loans and leases to core deposits | 67.2751% | 4,868 |
| Total domestic deposits to total assets | 83.1118% | 4,707 |
| Equity capital to assets | 12.5162% | 1,806 |
| Core capital (leverage) ratio | 8.6501% | 5,452 |
| Tier 1 risk-based capital ratio | 15.4614% | 3,470 |
| Total risk-based capital ratio | 16.7127% | 3,433 |
| Memoranda: | ||
| Average total assets | $69,328,330 | 5,748 |
| Average earning assets | $63,565,670 | 5,715 |
| Average equity | $8,908,330 | 5,291 |
| Average total loans | $39,451,330 | 5,631 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 6,748 |
| Cost of funding earning assets | 0.5000% | 5,821 |
| Net interest margin | 2.9550% | 6,382 |
| Noninterest income to average assets | 0.4525% | 4,276 |
| Noninterest expense to average assets | 2.1448% | 6,162 |
| Loan and lease loss provision to assets | 0.0353% | 4,940 |
| Net operating income to assets | 0.6523% | 4,111 |
| Return on assets (ROA) | 0.6523% | 4,326 |
| Pretax return on assets | 0.9813% | 3,741 |
| Return on Equity (ROE) | 5.0076% | 4,782 |
| Retained earnings to average equity (ytd only) | 5.0076% | 3,554 |
| Net charge-offs to loans | -0.0102% | 5,949 |
| Credit loss provision to net charge-offs | -600.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8439% | 4,203 |
| Assets per employee ($millions) | 5.3328% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 4,740 |
| Loan loss allowance to noncurrent loans | 34.4305% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 2.1911% | 2,694 |
| Noncurrent loans to loans | 3.9708% | 1,544 |
| Net loans and leases to total assets | 54.4247% | 4,650 |
| Net loans and leases to deposits | 64.9437% | 4,495 |
| Net loans and leases to core deposits | 66.3717% | 4,875 |
| Total domestic deposits to total assets | 83.8028% | 4,587 |
| Equity capital to assets | 12.8449% | 1,518 |
| Core capital (leverage) ratio | 8.8427% | 5,077 |
| Tier 1 risk-based capital ratio | 16.1921% | 3,077 |
| Total risk-based capital ratio | 17.4447% | 3,033 |
| Memoranda: | ||
| Average total assets | $68,071,000 | 5,825 |
| Average earning assets | $62,402,000 | 5,800 |
| Average equity | $8,866,500 | 5,321 |
| Average total loans | $39,262,000 | 5,672 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 6,737 |
| Cost of funding earning assets | 0.6159% | 6,003 |
| Net interest margin | 3.1768% | 6,159 |
| Noninterest income to average assets | 0.3644% | 4,897 |
| Noninterest expense to average assets | 2.2770% | 6,094 |
| Loan and lease loss provision to assets | 0.8120% | 1,202 |
| Net operating income to assets | 0.1312% | 5,784 |
| Return on assets (ROA) | 0.1312% | 5,917 |
| Pretax return on assets | 0.1778% | 5,838 |
| Return on Equity (ROE) | 1.0205% | 5,961 |
| Retained earnings to average equity (ytd only) | -1.6782% | 6,113 |
| Net charge-offs to loans | 1.3250% | 1,242 |
| Credit loss provision to net charge-offs | 101.4572% | 3,420 |
| Earnings coverage of net charge-offs (x) | 1.2368% | 4,853 |
| Efficiency ratio | 69.7010% | 4,023 |
| Assets per employee ($millions) | 5.1396% | 2,009 |
| Cash dividends to net income (ytd only)* | 264.4444% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 5,013 |
| Loan loss allowance to noncurrent loans | 34.6774% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 2.2270% | 2,703 |
| Noncurrent loans to loans | 3.6951% | 1,706 |
| Net loans and leases to total assets | 59.4986% | 4,080 |
| Net loans and leases to deposits | 70.9247% | 3,959 |
| Net loans and leases to core deposits | 72.2393% | 4,490 |
| Total domestic deposits to total assets | 83.8898% | 4,364 |
| Equity capital to assets | 13.2126% | 1,390 |
| Core capital (leverage) ratio | 8.8970% | 4,945 |
| Tier 1 risk-based capital ratio | 15.1094% | 3,575 |
| Total risk-based capital ratio | 16.3613% | 3,538 |
| Memoranda: | ||
| Average total assets | $68,598,000 | 5,792 |
| Average earning assets | $62,673,400 | 5,783 |
| Average equity | $8,819,200 | 5,333 |
| Average total loans | $41,434,800 | 5,617 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 6,864 |
| Cost of funding earning assets | 0.6426% | 6,072 |
| Net interest margin | 3.1393% | 6,318 |
| Noninterest income to average assets | 0.3746% | 4,872 |
| Noninterest expense to average assets | 2.2806% | 6,086 |
| Loan and lease loss provision to assets | 1.0756% | 772 |
| Net operating income to assets | -0.0734% | 6,252 |
| Return on assets (ROA) | -0.0734% | 6,343 |
| Pretax return on assets | -0.1139% | 6,346 |
| Return on Equity (ROE) | -0.5747% | 6,328 |
| Retained earnings to average equity (ytd only) | -4.1736% | 6,527 |
| Net charge-offs to loans | 1.7638% | 768 |
| Credit loss provision to net charge-offs | 100.9058% | 3,329 |
| Earnings coverage of net charge-offs (x) | 0.9022% | 4,947 |
| Efficiency ratio | 70.3395% | 3,898 |
| Assets per employee ($millions) | 5.6592% | 1,452 |
| Cash dividends to net income (ytd only)* | -626.2680% | 7,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 5,179 |
| Loan loss allowance to noncurrent loans | 35.0136% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 2.1617% | 2,952 |
| Noncurrent loans to loans | 3.6077% | 1,904 |
| Net loans and leases to total assets | 59.1621% | 4,294 |
| Net loans and leases to deposits | 71.3991% | 4,083 |
| Net loans and leases to core deposits | 72.8451% | 4,599 |
| Total domestic deposits to total assets | 82.8611% | 4,736 |
| Equity capital to assets | 12.8317% | 1,698 |
| Core capital (leverage) ratio | 8.5666% | 5,604 |
| Tier 1 risk-based capital ratio | 14.5085% | 3,973 |
| Total risk-based capital ratio | 15.7588% | 3,948 |
| Memoranda: | ||
| Average total assets | $69,043,750 | 5,810 |
| Average earning assets | $63,070,250 | 5,805 |
| Average equity | $8,817,000 | 5,354 |
| Average total loans | $41,726,000 | 5,656 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 6,967 |
| Cost of funding earning assets | 0.6700% | 6,123 |
| Net interest margin | 3.0826% | 6,443 |
| Noninterest income to average assets | 0.3889% | 4,768 |
| Noninterest expense to average assets | 2.3134% | 6,086 |
| Loan and lease loss provision to assets | 1.5932% | 438 |
| Net operating income to assets | -0.4581% | 6,655 |
| Return on assets (ROA) | -0.4581% | 6,678 |
| Pretax return on assets | -0.6943% | 6,763 |
| Return on Equity (ROE) | -3.5927% | 6,630 |
| Retained earnings to average equity (ytd only) | -8.9704% | 6,823 |
| Net charge-offs to loans | 2.6289% | 428 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 0.5642% | 4,881 |
| Efficiency ratio | 72.0179% | 3,728 |
| Assets per employee ($millions) | 4.3553% | 3,074 |
| Cash dividends to net income (ytd only)* | -149.6855% | 7,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 5,467 |
| Loan loss allowance to noncurrent loans | 34.5085% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 2.1167% | 3,085 |
| Noncurrent loans to loans | 3.5345% | 2,002 |
| Net loans and leases to total assets | 59.1548% | 4,432 |
| Net loans and leases to deposits | 71.4184% | 4,213 |
| Net loans and leases to core deposits | 73.1678% | 4,688 |
| Total domestic deposits to total assets | 82.8284% | 4,834 |
| Equity capital to assets | 12.3298% | 1,886 |
| Core capital (leverage) ratio | 8.1937% | 6,039 |
| Tier 1 risk-based capital ratio | 13.7886% | 4,312 |
| Total risk-based capital ratio | 15.0228% | 4,299 |
| Memoranda: | ||
| Average total assets | $69,421,670 | 5,842 |
| Average earning assets | $63,582,000 | 5,838 |
| Average equity | $8,851,330 | 5,362 |
| Average total loans | $42,071,000 | 5,701 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 7,033 |
| Cost of funding earning assets | 0.7123% | 6,066 |
| Net interest margin | 3.0193% | 6,537 |
| Noninterest income to average assets | 0.4387% | 4,377 |
| Noninterest expense to average assets | 2.1244% | 6,581 |
| Loan and lease loss provision to assets | 0.0346% | 5,543 |
| Net operating income to assets | 0.6927% | 3,541 |
| Return on assets (ROA) | 0.6927% | 3,611 |
| Pretax return on assets | 1.0449% | 2,968 |
| Return on Equity (ROE) | 5.3446% | 4,214 |
| Retained earnings to average equity (ytd only) | 0.7572% | 5,522 |
| Net charge-offs to loans | 0.0379% | 4,580 |
| Credit loss provision to net charge-offs | 150.0000% | 1,901 |
| Earnings coverage of net charge-offs (x) | 46.7500% | 605 |
| Efficiency ratio | 66.3063% | 4,985 |
| Assets per employee ($millions) | 4.3656% | 3,101 |
| Cash dividends to net income (ytd only)* | 85.8333% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 5,424 |
| Loan loss allowance to noncurrent loans | 24.7218% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 2.9592% | 2,329 |
| Noncurrent loans to loans | 5.0359% | 1,334 |
| Net loans and leases to total assets | 58.0309% | 4,642 |
| Net loans and leases to deposits | 69.1825% | 4,499 |
| Net loans and leases to core deposits | 70.8463% | 4,946 |
| Total domestic deposits to total assets | 83.8809% | 4,533 |
| Equity capital to assets | 12.8735% | 1,440 |
| Core capital (leverage) ratio | 8.7137% | 5,064 |
| Tier 1 risk-based capital ratio | 14.8908% | 3,481 |
| Total risk-based capital ratio | 16.1424% | 3,446 |
| Memoranda: | ||
| Average total assets | $69,290,000 | 5,886 |
| Average earning assets | $63,458,000 | 5,879 |
| Average equity | $8,981,000 | 5,337 |
| Average total loans | $42,241,000 | 5,740 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 6,707 |
| Cost of funding earning assets | 1.0783% | 5,269 |
| Net interest margin | 3.2676% | 6,079 |
| Noninterest income to average assets | 0.4240% | 4,719 |
| Noninterest expense to average assets | 2.0899% | 6,874 |
| Loan and lease loss provision to assets | 0.2319% | 4,959 |
| Net operating income to assets | 0.7300% | 3,101 |
| Return on assets (ROA) | 0.7300% | 3,225 |
| Pretax return on assets | 0.9921% | 2,953 |
| Return on Equity (ROE) | 6.2899% | 3,455 |
| Retained earnings to average equity (ytd only) | 0.7449% | 5,185 |
| Net charge-offs to loans | 0.1975% | 5,109 |
| Credit loss provision to net charge-offs | 198.8235% | 1,588 |
| Earnings coverage of net charge-offs (x) | 10.4941% | 1,697 |
| Efficiency ratio | 63.0642% | 5,502 |
| Assets per employee ($millions) | 4.2957% | 3,220 |
| Cash dividends to net income (ytd only)* | 88.1579% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,636 |
| Loan loss allowance to noncurrent loans | 34.0013% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 2.1781% | 3,121 |
| Noncurrent loans to loans | 3.4464% | 2,201 |
| Net loans and leases to total assets | 62.4580% | 4,182 |
| Net loans and leases to deposits | 73.7506% | 4,235 |
| Net loans and leases to core deposits | 77.5588% | 4,515 |
| Total domestic deposits to total assets | 84.6881% | 4,004 |
| Equity capital to assets | 13.0509% | 1,373 |
| Core capital (leverage) ratio | 8.5031% | 5,360 |
| Tier 1 risk-based capital ratio | 13.8602% | 3,959 |
| Total risk-based capital ratio | 15.0635% | 3,966 |
| Memoranda: | ||
| Average total assets | $72,875,000 | 5,789 |
| Average earning assets | $64,450,800 | 5,843 |
| Average equity | $8,458,000 | 5,562 |
| Average total loans | $43,045,000 | 5,787 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 6,943 |
| Cost of funding earning assets | 1.1453% | 5,177 |
| Net interest margin | 3.1747% | 6,421 |
| Noninterest income to average assets | 0.4293% | 4,722 |
| Noninterest expense to average assets | 2.2477% | 6,473 |
| Loan and lease loss provision to assets | 0.2922% | 4,239 |
| Net operating income to assets | 0.4492% | 4,541 |
| Return on assets (ROA) | 0.4492% | 4,730 |
| Pretax return on assets | 0.6747% | 4,325 |
| Return on Equity (ROE) | 3.9855% | 4,787 |
| Retained earnings to average equity (ytd only) | -2.7210% | 6,315 |
| Net charge-offs to loans | 0.1925% | 4,798 |
| Credit loss provision to net charge-offs | 261.2903% | 1,264 |
| Earnings coverage of net charge-offs (x) | 8.6457% | 2,131 |
| Efficiency ratio | 69.9214% | 4,084 |
| Assets per employee ($millions) | 4.6285% | 2,711 |
| Cash dividends to net income (ytd only)* | 168.2731% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,442 |
| Loan loss allowance to noncurrent loans | 32.0709% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 2.2105% | 3,184 |
| Noncurrent loans to loans | 3.7740% | 2,046 |
| Net loans and leases to total assets | 57.8630% | 5,283 |
| Net loans and leases to deposits | 69.6266% | 5,204 |
| Net loans and leases to core deposits | 73.9563% | 5,299 |
| Total domestic deposits to total assets | 83.1047% | 4,550 |
| Equity capital to assets | 11.8262% | 2,267 |
| Core capital (leverage) ratio | 8.1445% | 6,131 |
| Tier 1 risk-based capital ratio | 12.9524% | 4,611 |
| Total risk-based capital ratio | 14.1596% | 4,631 |
| Memoranda: | ||
| Average total assets | $73,911,000 | 5,834 |
| Average earning assets | $64,844,500 | 5,897 |
| Average equity | $8,330,000 | 5,683 |
| Average total loans | $42,947,000 | 5,877 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 6,861 |
| Cost of funding earning assets | 1.2011% | 5,129 |
| Net interest margin | 3.2176% | 6,262 |
| Noninterest income to average assets | 0.6851% | 2,786 |
| Noninterest expense to average assets | 1.7573% | 7,443 |
| Loan and lease loss provision to assets | 1.0019% | 1,453 |
| Net operating income to assets | 0.4982% | 4,337 |
| Return on assets (ROA) | 0.4982% | 4,489 |
| Pretax return on assets | 0.7040% | 4,223 |
| Return on Equity (ROE) | 4.4947% | 4,544 |
| Retained earnings to average equity (ytd only) | -2.9069% | 6,283 |
| Net charge-offs to loans | 0.2617% | 4,033 |
| Credit loss provision to net charge-offs | 660.7143% | 562 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,784 |
| Efficiency ratio | 50.7428% | 7,173 |
| Assets per employee ($millions) | 4.3336% | 3,155 |
| Cash dividends to net income (ytd only)* | 164.6739% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 3,033 |
| Loan loss allowance to noncurrent loans | 717.4757% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 7,017 |
| Noncurrent loans to loans | 0.2383% | 6,757 |
| Net loans and leases to total assets | 61.2608% | 4,831 |
| Net loans and leases to deposits | 72.8206% | 4,870 |
| Net loans and leases to core deposits | 77.6119% | 5,010 |
| Total domestic deposits to total assets | 84.1256% | 4,049 |
| Equity capital to assets | 11.7208% | 2,265 |
| Core capital (leverage) ratio | 7.3177% | 6,981 |
| Tier 1 risk-based capital ratio | 11.6111% | 5,664 |
| Total risk-based capital ratio | 12.8670% | 5,620 |
| Memoranda: | ||
| Average total assets | $73,862,670 | 5,874 |
| Average earning assets | $63,773,330 | 5,962 |
| Average equity | $8,187,330 | 5,734 |
| Average total loans | $42,804,000 | 5,913 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 7,142 |
| Cost of funding earning assets | 1.2371% | 5,188 |
| Net interest margin | 3.0553% | 6,702 |
| Noninterest income to average assets | 0.4992% | 4,051 |
| Noninterest expense to average assets | 1.9967% | 7,165 |
| Loan and lease loss provision to assets | 0.0315% | 6,361 |
| Net operating income to assets | 0.7409% | 3,258 |
| Return on assets (ROA) | 0.7409% | 3,359 |
| Pretax return on assets | 1.0404% | 2,932 |
| Return on Equity (ROE) | 6.8634% | 3,411 |
| Retained earnings to average equity (ytd only) | -1.1682% | 6,074 |
| Net charge-offs to loans | -0.4883% | 7,795 |
| Credit loss provision to net charge-offs | -11.5385% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0685% | 5,298 |
| Assets per employee ($millions) | 4.9075% | 2,362 |
| Cash dividends to net income (ytd only)* | 117.0213% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 5,985 |
| Loan loss allowance to noncurrent loans | 138.3954% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 6,353 |
| Noncurrent loans to loans | 0.7985% | 5,719 |
| Net loans and leases to total assets | 55.0471% | 5,883 |
| Net loans and leases to deposits | 64.3976% | 6,017 |
| Net loans and leases to core deposits | 69.1922% | 5,982 |
| Total domestic deposits to total assets | 85.4801% | 3,425 |
| Equity capital to assets | 10.4419% | 3,304 |
| Core capital (leverage) ratio | 7.0402% | 7,226 |
| Tier 1 risk-based capital ratio | 12.3864% | 4,844 |
| Total risk-based capital ratio | 13.5535% | 4,861 |
| Memoranda: | ||
| Average total assets | $76,125,000 | 5,877 |
| Average earning assets | $64,020,000 | 6,032 |
| Average equity | $8,217,500 | 5,761 |
| Average total loans | $42,598,000 | 6,001 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 7,177 |
| Cost of funding earning assets | 1.3850% | 5,994 |
| Net interest margin | 3.2899% | 5,782 |
| Noninterest income to average assets | 0.6021% | 3,619 |
| Noninterest expense to average assets | 2.3104% | 6,721 |
| Loan and lease loss provision to assets | 0.0103% | 7,375 |
| Net operating income to assets | 0.8116% | 2,487 |
| Return on assets (ROA) | 0.8116% | 2,572 |
| Pretax return on assets | 1.1559% | 2,078 |
| Return on Equity (ROE) | 6.6633% | 2,924 |
| Retained earnings to average equity (ytd only) | 0.1082% | 4,841 |
| Net charge-offs to loans | 0.0205% | 6,940 |
| Credit loss provision to net charge-offs | 87.5000% | 6,082 |
| Earnings coverage of net charge-offs (x) | 99.5000% | 278 |
| Efficiency ratio | 66.4560% | 5,296 |
| Assets per employee ($millions) | 4.6081% | 2,751 |
| Cash dividends to net income (ytd only)* | 98.3755% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,242 |
| Loan loss allowance to noncurrent loans | 122.8324% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 6,286 |
| Noncurrent loans to loans | 0.8339% | 5,624 |
| Net loans and leases to total assets | 55.6965% | 5,997 |
| Net loans and leases to deposits | 65.7608% | 6,073 |
| Net loans and leases to core deposits | 78.4777% | 6,226 |
| Total domestic deposits to total assets | 84.6955% | 3,711 |
| Equity capital to assets | 11.1705% | 2,559 |
| Core capital (leverage) ratio | 7.8743% | 6,350 |
| Tier 1 risk-based capital ratio | 12.4390% | 4,565 |
| Total risk-based capital ratio | 13.4705% | 4,715 |
| Memoranda: | ||
| Average total assets | $68,256,200 | 6,063 |
| Average earning assets | $59,637,800 | 6,138 |
| Average equity | $8,314,200 | 5,832 |
| Average total loans | $39,058,600 | 6,155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 7,233 |
| Cost of funding earning assets | 1.4288% | 6,127 |
| Net interest margin | 3.3050% | 5,621 |
| Noninterest income to average assets | 0.5960% | 3,742 |
| Noninterest expense to average assets | 2.1010% | 7,197 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9927% | 2,089 |
| Return on assets (ROA) | 0.9927% | 2,147 |
| Pretax return on assets | 1.3953% | 1,705 |
| Return on Equity (ROE) | 7.9674% | 2,653 |
| Retained earnings to average equity (ytd only) | 1.3599% | 4,558 |
| Net charge-offs to loans | -0.0104% | 7,687 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0912% | 6,402 |
| Assets per employee ($millions) | 4.1397% | 3,485 |
| Cash dividends to net income (ytd only)* | 82.9317% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 5,952 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 6,221 |
| Noncurrent loans to loans | 0.8170% | 5,664 |
| Net loans and leases to total assets | 60.3352% | 5,532 |
| Net loans and leases to deposits | 73.5628% | 5,433 |
| Net loans and leases to core deposits | 88.4098% | 5,603 |
| Total domestic deposits to total assets | 82.0186% | 4,669 |
| Equity capital to assets | 12.5810% | 1,892 |
| Core capital (leverage) ratio | 8.2577% | 5,906 |
| Tier 1 risk-based capital ratio | 12.5570% | 4,496 |
| Total risk-based capital ratio | 13.5920% | 4,615 |
| Memoranda: | ||
| Average total assets | $66,887,750 | 6,158 |
| Average earning assets | $58,697,250 | 6,226 |
| Average equity | $8,333,750 | 5,876 |
| Average total loans | $38,450,750 | 6,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7576% | 7,298 |
| Cost of funding earning assets | 1.4419% | 6,346 |
| Net interest margin | 3.3157% | 5,489 |
| Noninterest income to average assets | 0.5871% | 3,795 |
| Noninterest expense to average assets | 2.0505% | 7,377 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0312% | 2,003 |
| Return on assets (ROA) | 1.0312% | 2,081 |
| Pretax return on assets | 1.4425% | 1,615 |
| Return on Equity (ROE) | 8.3033% | 2,653 |
| Retained earnings to average equity (ytd only) | 1.7039% | 4,392 |
| Net charge-offs to loans | -0.1323% | 7,988 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7031% | 6,736 |
| Assets per employee ($millions) | 4.0707% | 3,555 |
| Cash dividends to net income (ytd only)* | 79.4798% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 4,787 |
| Loan loss allowance to noncurrent loans | 222.1675% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 6,686 |
| Noncurrent loans to loans | 0.5512% | 6,165 |
| Net loans and leases to total assets | 55.8521% | 6,221 |
| Net loans and leases to deposits | 67.4210% | 6,254 |
| Net loans and leases to core deposits | 79.9178% | 6,414 |
| Total domestic deposits to total assets | 82.8407% | 4,314 |
| Equity capital to assets | 12.7789% | 1,798 |
| Core capital (leverage) ratio | 7.9990% | 6,336 |
| Tier 1 risk-based capital ratio | 13.4876% | 3,820 |
| Total risk-based capital ratio | 14.6585% | 3,805 |
| Memoranda: | ||
| Average total assets | $67,105,330 | 6,186 |
| Average earning assets | $58,810,670 | 6,277 |
| Average equity | $8,334,000 | 5,909 |
| Average total loans | $37,803,670 | 6,304 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 7,559 |
| Cost of funding earning assets | 1.7747% | 5,242 |
| Net interest margin | 2.8864% | 6,774 |
| Noninterest income to average assets | 0.5639% | 3,805 |
| Noninterest expense to average assets | 1.9503% | 7,447 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7578% | 3,312 |
| Return on assets (ROA) | 0.7578% | 3,488 |
| Pretax return on assets | 1.1455% | 2,817 |
| Return on Equity (ROE) | 6.1874% | 3,963 |
| Retained earnings to average equity (ytd only) | -1.0552% | 5,898 |
| Net charge-offs to loans | 0.1880% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 10.8333% | 1,915 |
| Efficiency ratio | 62.9981% | 5,874 |
| Assets per employee ($millions) | 4.6246% | 2,537 |
| Cash dividends to net income (ytd only)* | 117.0543% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 5,680 |
| Loan loss allowance to noncurrent loans | 287.3239% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 6,911 |
| Noncurrent loans to loans | 0.3729% | 6,488 |
| Net loans and leases to total assets | 54.3139% | 6,432 |
| Net loans and leases to deposits | 65.5857% | 6,410 |
| Net loans and leases to core deposits | 82.5725% | 6,184 |
| Total domestic deposits to total assets | 82.8136% | 4,236 |
| Equity capital to assets | 11.9765% | 2,278 |
| Core capital (leverage) ratio | 7.9810% | 6,485 |
| Tier 1 risk-based capital ratio | 13.2639% | 4,012 |
| Total risk-based capital ratio | 14.3054% | 4,068 |
| Memoranda: | ||
| Average total assets | $68,092,500 | 6,174 |
| Average earning assets | $59,728,000 | 6,271 |
| Average equity | $8,339,500 | 5,939 |
| Average total loans | $38,291,500 | 6,317 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0846% | 7,782 |
| Cost of funding earning assets | 2.2141% | 5,539 |
| Net interest margin | 2.8705% | 7,209 |
| Noninterest income to average assets | 0.7400% | 2,844 |
| Noninterest expense to average assets | 2.1173% | 7,195 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9312% | 2,872 |
| Return on assets (ROA) | 0.9312% | 2,725 |
| Pretax return on assets | 1.3214% | 2,238 |
| Return on Equity (ROE) | 9.3018% | 2,528 |
| Retained earnings to average equity (ytd only) | -34.5674% | 7,978 |
| Net charge-offs to loans | 0.0813% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 29.3103% | 1,187 |
| Efficiency ratio | 61.5732% | 6,036 |
| Assets per employee ($millions) | 4.1760% | 3,157 |
| Cash dividends to net income (ytd only)* | 471.6194% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,224 |
| Loan loss allowance to noncurrent loans | 276.6234% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 6,648 |
| Noncurrent loans to loans | 0.4000% | 6,152 |
| Net loans and leases to total assets | 56.9804% | 6,337 |
| Net loans and leases to deposits | 69.6651% | 6,308 |
| Net loans and leases to core deposits | 87.9566% | 5,981 |
| Total domestic deposits to total assets | 81.7918% | 4,278 |
| Equity capital to assets | 12.5284% | 1,998 |
| Core capital (leverage) ratio | 8.4042% | 5,754 |
| Tier 1 risk-based capital ratio | 13.1864% | 4,003 |
| Total risk-based capital ratio | 14.2630% | 4,020 |
| Memoranda: | ||
| Average total assets | $64,326,600 | 6,219 |
| Average earning assets | $60,476,600 | 6,152 |
| Average equity | $6,439,600 | 6,658 |
| Average total loans | $35,679,000 | 6,383 |