Home > Bank of Greeleyville > Performance and Condition Ratios
Bank of Greeleyville, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 1,203 |
| Cost of funding earning assets | 0.9023% | 3,516 |
| Net interest margin | 4.5688% | 549 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 3.2100% | 825 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.6922% | 744 |
| Return on assets (ROA) | 1.6922% | 707 |
| Pretax return on assets | 1.7407% | 984 |
| Return on Equity (ROE) | 18.5700% | 750 |
| Retained earnings to average equity (ytd only) | 10.9970% | 794 |
| Net charge-offs to loans | 0.2311% | 471 |
| Credit loss provision to net charge-offs | 40.2844% | 2,235 |
| Earnings coverage of net charge-offs (x) | 10.9479% | 2,215 |
| Efficiency ratio | 63.9794% | 2,609 |
| Assets per employee ($millions) | 5.6566% | 3,109 |
| Cash dividends to net income (ytd only)* | 40.7767% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,357 |
| Loan loss allowance to noncurrent loans | 292.1875% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 1,982 |
| Noncurrent loans to loans | 0.3396% | 1,963 |
| Net loans and leases to total assets | 71.7000% | 1,619 |
| Net loans and leases to deposits | 82.4166% | 1,916 |
| Net loans and leases to core deposits | 86.4830% | 2,275 |
| Total domestic deposits to total assets | 87.0000% | 1,682 |
| Equity capital to assets | 9.6732% | 2,221 |
| Core capital (leverage) ratio | 11.3991% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $127,821,200 | 3,571 |
| Average earning assets | $121,804,000 | 3,526 |
| Average equity | $11,648,600 | 3,563 |
| Average total loans | $91,288,400 | 3,272 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 1,258 |
| Cost of funding earning assets | 0.7732% | 3,596 |
| Net interest margin | 4.5483% | 577 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 3.1517% | 868 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.7393% | 745 |
| Return on assets (ROA) | 1.7393% | 730 |
| Pretax return on assets | 1.7760% | 1,040 |
| Return on Equity (ROE) | 19.3900% | 783 |
| Retained earnings to average equity (ytd only) | 9.0876% | 1,658 |
| Net charge-offs to loans | 0.2812% | 303 |
| Credit loss provision to net charge-offs | 44.5026% | 1,919 |
| Earnings coverage of net charge-offs (x) | 9.3194% | 2,167 |
| Efficiency ratio | 62.8237% | 2,628 |
| Assets per employee ($millions) | 5.7169% | 3,001 |
| Cash dividends to net income (ytd only)* | 53.1325% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 3,186 |
| Loan loss allowance to noncurrent loans | 1,306.8493% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 3,254 |
| Noncurrent loans to loans | 0.0792% | 3,192 |
| Net loans and leases to total assets | 69.4200% | 1,895 |
| Net loans and leases to deposits | 78.7882% | 2,166 |
| Net loans and leases to core deposits | 82.0549% | 2,462 |
| Total domestic deposits to total assets | 88.1000% | 1,533 |
| Equity capital to assets | 8.5696% | 2,683 |
| Core capital (leverage) ratio | 11.0879% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $127,251,000 | 3,593 |
| Average earning assets | $121,565,250 | 3,541 |
| Average equity | $11,414,500 | 3,582 |
| Average total loans | $90,555,750 | 3,283 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 1,253 |
| Cost of funding earning assets | 0.6049% | 3,735 |
| Net interest margin | 4.5668% | 565 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 3.0563% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9708% | 491 |
| Return on assets (ROA) | 1.9708% | 490 |
| Pretax return on assets | 1.9851% | 763 |
| Return on Equity (ROE) | 21.6300% | 569 |
| Retained earnings to average equity (ytd only) | 9.4388% | 1,566 |
| Net charge-offs to loans | -0.0289% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.6242% | 2,880 |
| Assets per employee ($millions) | 5.8955% | 2,801 |
| Cash dividends to net income (ytd only)* | 56.3710% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 2,756 |
| Loan loss allowance to noncurrent loans | 1,577.9412% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,256 |
| Noncurrent loans to loans | 0.0722% | 3,184 |
| Net loans and leases to total assets | 71.7800% | 1,561 |
| Net loans and leases to deposits | 81.7555% | 1,843 |
| Net loans and leases to core deposits | 85.7268% | 2,088 |
| Total domestic deposits to total assets | 87.7900% | 1,678 |
| Equity capital to assets | 8.8881% | 2,595 |
| Core capital (leverage) ratio | 11.0239% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $125,838,667 | 3,617 |
| Average earning assets | $120,347,667 | 3,563 |
| Average equity | $11,463,333 | 3,595 |
| Average total loans | $89,998,667 | 3,294 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 1,332 |
| Cost of funding earning assets | 0.4472% | 3,844 |
| Net interest margin | 4.4990% | 586 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.1023% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9240% | 551 |
| Return on assets (ROA) | 1.9240% | 544 |
| Pretax return on assets | 1.8659% | 957 |
| Return on Equity (ROE) | 20.8600% | 669 |
| Retained earnings to average equity (ytd only) | 12.1074% | 1,247 |
| Net charge-offs to loans | -0.0409% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4431% | 2,642 |
| Assets per employee ($millions) | 5.4860% | 3,234 |
| Cash dividends to net income (ytd only)* | 41.9463% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,451 |
| Loan loss allowance to noncurrent loans | 1,214.7727% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,101 |
| Noncurrent loans to loans | 0.1004% | 3,037 |
| Net loans and leases to total assets | 68.5900% | 1,778 |
| Net loans and leases to deposits | 75.7572% | 2,143 |
| Net loans and leases to core deposits | 79.8763% | 2,265 |
| Total domestic deposits to total assets | 90.5400% | 966 |
| Equity capital to assets | 9.3084% | 2,292 |
| Core capital (leverage) ratio | 10.9713% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,907,500 | 3,681 |
| Average earning assets | $118,959,000 | 3,622 |
| Average equity | $11,431,000 | 3,627 |
| Average total loans | $87,914,000 | 3,357 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 938 |
| Cost of funding earning assets | 0.3219% | 2,709 |
| Net interest margin | 4.0459% | 729 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 3.1930% | 732 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.2646% | 1,550 |
| Return on assets (ROA) | 1.2646% | 1,498 |
| Pretax return on assets | 1.3153% | 2,035 |
| Return on Equity (ROE) | 13.6800% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.2417% | 1,407 |
| Net charge-offs to loans | -0.0319% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.8296% | 1,708 |
| Assets per employee ($millions) | 5.2886% | 3,435 |
| Cash dividends to net income (ytd only)* | 32.4651% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,228 |
| Loan loss allowance to noncurrent loans | 551.2195% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 2,581 |
| Noncurrent loans to loans | 0.1859% | 2,559 |
| Net loans and leases to total assets | 71.7800% | 1,444 |
| Net loans and leases to deposits | 79.4498% | 1,813 |
| Net loans and leases to core deposits | 83.3036% | 1,914 |
| Total domestic deposits to total assets | 90.3500% | 1,222 |
| Equity capital to assets | 9.1394% | 2,272 |
| Core capital (leverage) ratio | 10.7133% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $124,461,400 | 3,690 |
| Average earning assets | $118,662,200 | 3,642 |
| Average equity | $11,502,200 | 3,717 |
| Average total loans | $81,479,000 | 3,395 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 861 |
| Cost of funding earning assets | 0.3056% | 2,105 |
| Net interest margin | 3.9102% | 783 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 3.1520% | 728 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1781% | 1,781 |
| Return on assets (ROA) | 1.1781% | 1,755 |
| Pretax return on assets | 1.2282% | 2,263 |
| Return on Equity (ROE) | 12.7100% | 1,802 |
| Retained earnings to average equity (ytd only) | 6.8398% | 2,428 |
| Net charge-offs to loans | -0.0602% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.0956% | 1,629 |
| Assets per employee ($millions) | 5.4210% | 3,304 |
| Cash dividends to net income (ytd only)* | 46.2025% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,406 |
| Loan loss allowance to noncurrent loans | 396.4126% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 2,331 |
| Noncurrent loans to loans | 0.2558% | 2,353 |
| Net loans and leases to total assets | 69.2000% | 1,551 |
| Net loans and leases to deposits | 75.7632% | 1,895 |
| Net loans and leases to core deposits | 79.3026% | 1,951 |
| Total domestic deposits to total assets | 91.3400% | 1,107 |
| Equity capital to assets | 8.4415% | 2,586 |
| Core capital (leverage) ratio | 10.3214% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $125,167,250 | 3,710 |
| Average earning assets | $119,103,750 | 3,658 |
| Average equity | $11,598,500 | 3,755 |
| Average total loans | $79,794,500 | 3,426 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0897% | 781 |
| Cost of funding earning assets | 0.3084% | 1,645 |
| Net interest margin | 3.7813% | 783 |
| Noninterest income to average assets | 0.6543% | 1,524 |
| Noninterest expense to average assets | 3.0655% | 770 |
| Loan and lease loss provision to assets | 0.0319% | 2,016 |
| Net operating income to assets | 1.1059% | 1,753 |
| Return on assets (ROA) | 1.1059% | 1,729 |
| Pretax return on assets | 1.1570% | 2,219 |
| Return on Equity (ROE) | 11.5922% | 1,796 |
| Retained earnings to average equity (ytd only) | 5.3026% | 2,586 |
| Net charge-offs to loans | -0.0905% | 4,412 |
| Credit loss provision to net charge-offs | -57.1429% | 3,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0555% | 1,727 |
| Assets per employee ($millions) | 5.5350% | 3,189 |
| Cash dividends to net income (ytd only)* | 54.2569% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,419 |
| Loan loss allowance to noncurrent loans | 357.3222% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 2,333 |
| Noncurrent loans to loans | 0.2915% | 2,304 |
| Net loans and leases to total assets | 63.7307% | 1,939 |
| Net loans and leases to deposits | 69.9694% | 2,206 |
| Net loans and leases to core deposits | 73.3386% | 2,219 |
| Total domestic deposits to total assets | 91.0837% | 1,188 |
| Equity capital to assets | 8.7341% | 2,588 |
| Core capital (leverage) ratio | 10.1278% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,329,000 | 3,752 |
| Average earning assets | $119,325,333 | 3,707 |
| Average equity | $11,956,333 | 3,788 |
| Average total loans | $77,336,000 | 3,496 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 810 |
| Cost of funding earning assets | 0.3106% | 1,546 |
| Net interest margin | 3.6636% | 804 |
| Noninterest income to average assets | 0.7270% | 1,230 |
| Noninterest expense to average assets | 3.2910% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8750% | 2,388 |
| Return on assets (ROA) | 0.8750% | 2,383 |
| Pretax return on assets | 0.9265% | 2,675 |
| Return on Equity (ROE) | 8.7919% | 2,395 |
| Retained earnings to average equity (ytd only) | 4.5253% | 2,768 |
| Net charge-offs to loans | -0.1706% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0320% | 1,311 |
| Assets per employee ($millions) | 5.7990% | 3,001 |
| Cash dividends to net income (ytd only)* | 48.5294% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,430 |
| Loan loss allowance to noncurrent loans | 193.0233% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 1,710 |
| Noncurrent loans to loans | 0.5577% | 1,644 |
| Net loans and leases to total assets | 59.7888% | 2,089 |
| Net loans and leases to deposits | 65.9924% | 2,341 |
| Net loans and leases to core deposits | 68.3844% | 2,426 |
| Total domestic deposits to total assets | 90.5996% | 1,244 |
| Equity capital to assets | 9.2735% | 2,467 |
| Core capital (leverage) ratio | 10.0092% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,340,500 | 3,780 |
| Average earning assets | $118,462,500 | 3,735 |
| Average equity | $12,375,000 | 3,824 |
| Average total loans | $75,010,500 | 3,540 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2726% | 885 |
| Cost of funding earning assets | 0.3997% | 1,547 |
| Net interest margin | 3.8728% | 882 |
| Noninterest income to average assets | 0.6766% | 1,846 |
| Noninterest expense to average assets | 3.3003% | 630 |
| Loan and lease loss provision to assets | 0.0599% | 1,858 |
| Net operating income to assets | 1.0513% | 2,479 |
| Return on assets (ROA) | 1.0513% | 2,553 |
| Pretax return on assets | 1.0128% | 3,229 |
| Return on Equity (ROE) | 9.6582% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.1611% | 2,289 |
| Net charge-offs to loans | 0.0184% | 1,916 |
| Credit loss provision to net charge-offs | 538.4615% | 770 |
| Earnings coverage of net charge-offs (x) | 96.4615% | 900 |
| Efficiency ratio | 75.4695% | 1,161 |
| Assets per employee ($millions) | 5.5046% | 3,253 |
| Cash dividends to net income (ytd only)* | 36.2083% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,379 |
| Loan loss allowance to noncurrent loans | 450.8475% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,833 |
| Noncurrent loans to loans | 0.2428% | 2,759 |
| Net loans and leases to total assets | 59.5490% | 2,207 |
| Net loans and leases to deposits | 66.7799% | 2,433 |
| Net loans and leases to core deposits | 69.3513% | 2,517 |
| Total domestic deposits to total assets | 89.1719% | 1,430 |
| Equity capital to assets | 10.6679% | 2,033 |
| Core capital (leverage) ratio | 10.4593% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,899,600 | 3,834 |
| Average earning assets | $111,572,400 | 3,793 |
| Average equity | $12,725,000 | 3,853 |
| Average total loans | $70,537,600 | 3,636 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 975 |
| Cost of funding earning assets | 0.4144% | 1,592 |
| Net interest margin | 3.8705% | 990 |
| Noninterest income to average assets | 0.6813% | 1,883 |
| Noninterest expense to average assets | 3.2985% | 602 |
| Loan and lease loss provision to assets | 0.0630% | 1,738 |
| Net operating income to assets | 1.0393% | 2,769 |
| Return on assets (ROA) | 1.0393% | 2,834 |
| Pretax return on assets | 1.0070% | 3,435 |
| Return on Equity (ROE) | 9.4977% | 2,929 |
| Retained earnings to average equity (ytd only) | 4.8172% | 3,287 |
| Net charge-offs to loans | 0.0229% | 1,584 |
| Credit loss provision to net charge-offs | 458.3333% | 800 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 998 |
| Efficiency ratio | 75.5005% | 1,076 |
| Assets per employee ($millions) | 5.6120% | 3,086 |
| Cash dividends to net income (ytd only)* | 49.2802% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,485 |
| Loan loss allowance to noncurrent loans | 419.2513% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,975 |
| Noncurrent loans to loans | 0.2600% | 2,889 |
| Net loans and leases to total assets | 57.6188% | 2,545 |
| Net loans and leases to deposits | 64.4778% | 2,801 |
| Net loans and leases to core deposits | 66.4174% | 2,916 |
| Total domestic deposits to total assets | 89.3622% | 1,093 |
| Equity capital to assets | 10.3463% | 2,570 |
| Core capital (leverage) ratio | 10.3420% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,849,000 | 3,891 |
| Average earning assets | $110,369,750 | 3,851 |
| Average equity | $12,676,500 | 3,917 |
| Average total loans | $69,943,750 | 3,701 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 1,411 |
| Cost of funding earning assets | 0.4253% | 1,695 |
| Net interest margin | 3.6428% | 1,490 |
| Noninterest income to average assets | 0.7060% | 1,786 |
| Noninterest expense to average assets | 3.3201% | 602 |
| Loan and lease loss provision to assets | 0.0706% | 1,642 |
| Net operating income to assets | 0.8243% | 3,438 |
| Return on assets (ROA) | 0.8243% | 3,507 |
| Pretax return on assets | 0.7925% | 3,878 |
| Return on Equity (ROE) | 7.3869% | 3,556 |
| Retained earnings to average equity (ytd only) | 2.6574% | 3,953 |
| Net charge-offs to loans | -0.0635% | 4,461 |
| Credit loss provision to net charge-offs | -181.8182% | 3,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3671% | 825 |
| Assets per employee ($millions) | 5.3668% | 3,272 |
| Cash dividends to net income (ytd only)* | 64.0257% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,446 |
| Loan loss allowance to noncurrent loans | 352.1930% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 2,989 |
| Noncurrent loans to loans | 0.3104% | 2,813 |
| Net loans and leases to total assets | 61.5271% | 2,233 |
| Net loans and leases to deposits | 69.1311% | 2,500 |
| Net loans and leases to core deposits | 71.2898% | 2,664 |
| Total domestic deposits to total assets | 89.0006% | 1,282 |
| Equity capital to assets | 10.6132% | 2,295 |
| Core capital (leverage) ratio | 10.3098% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,310,333 | 3,930 |
| Average earning assets | $108,157,333 | 3,894 |
| Average equity | $12,644,000 | 3,928 |
| Average total loans | $69,284,000 | 3,737 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 1,264 |
| Cost of funding earning assets | 0.4451% | 1,759 |
| Net interest margin | 3.7190% | 1,295 |
| Noninterest income to average assets | 0.7031% | 1,859 |
| Noninterest expense to average assets | 3.1948% | 723 |
| Loan and lease loss provision to assets | 0.0901% | 1,471 |
| Net operating income to assets | 1.0060% | 2,791 |
| Return on assets (ROA) | 1.0060% | 2,878 |
| Pretax return on assets | 0.9736% | 3,447 |
| Return on Equity (ROE) | 8.7871% | 3,110 |
| Retained earnings to average equity (ytd only) | 6.0785% | 2,864 |
| Net charge-offs to loans | -0.0595% | 4,466 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0212% | 1,222 |
| Assets per employee ($millions) | 5.2638% | 3,371 |
| Cash dividends to net income (ytd only)* | 30.8244% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,266 |
| Loan loss allowance to noncurrent loans | 215.5556% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 2,513 |
| Noncurrent loans to loans | 0.5266% | 2,275 |
| Net loans and leases to total assets | 58.3590% | 2,762 |
| Net loans and leases to deposits | 65.6512% | 2,955 |
| Net loans and leases to core deposits | 67.7269% | 3,083 |
| Total domestic deposits to total assets | 88.8924% | 1,395 |
| Equity capital to assets | 10.8200% | 1,991 |
| Core capital (leverage) ratio | 10.6063% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,930,500 | 3,965 |
| Average earning assets | $106,051,000 | 3,920 |
| Average equity | $12,700,500 | 3,929 |
| Average total loans | $67,202,000 | 3,790 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 906 |
| Cost of funding earning assets | 0.5609% | 2,557 |
| Net interest margin | 4.1314% | 738 |
| Noninterest income to average assets | 0.8188% | 1,478 |
| Noninterest expense to average assets | 3.5047% | 684 |
| Loan and lease loss provision to assets | 0.1710% | 2,246 |
| Net operating income to assets | 1.0361% | 2,154 |
| Return on assets (ROA) | 1.0361% | 2,302 |
| Pretax return on assets | 1.0552% | 2,857 |
| Return on Equity (ROE) | 8.2577% | 2,709 |
| Retained earnings to average equity (ytd only) | 3.9685% | 2,842 |
| Net charge-offs to loans | 0.1088% | 1,384 |
| Credit loss provision to net charge-offs | 239.4366% | 1,975 |
| Earnings coverage of net charge-offs (x) | 17.1690% | 2,088 |
| Efficiency ratio | 74.0804% | 1,433 |
| Assets per employee ($millions) | 4.8208% | 3,584 |
| Cash dividends to net income (ytd only)* | 51.9417% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 3,351 |
| Loan loss allowance to noncurrent loans | 170.7373% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 2,363 |
| Noncurrent loans to loans | 0.6571% | 2,037 |
| Net loans and leases to total assets | 61.5754% | 2,661 |
| Net loans and leases to deposits | 70.2574% | 2,857 |
| Net loans and leases to core deposits | 75.0253% | 2,816 |
| Total domestic deposits to total assets | 87.6425% | 1,636 |
| Equity capital to assets | 12.1359% | 1,505 |
| Core capital (leverage) ratio | 11.6177% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,410,400 | 4,007 |
| Average earning assets | $94,133,600 | 3,970 |
| Average equity | $12,473,200 | 3,924 |
| Average total loans | $65,277,600 | 3,822 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 916 |
| Cost of funding earning assets | 0.5802% | 2,738 |
| Net interest margin | 4.1970% | 739 |
| Noninterest income to average assets | 0.8266% | 1,403 |
| Noninterest expense to average assets | 3.5519% | 658 |
| Loan and lease loss provision to assets | 0.1913% | 2,075 |
| Net operating income to assets | 1.0244% | 2,238 |
| Return on assets (ROA) | 1.0244% | 2,376 |
| Pretax return on assets | 1.0503% | 2,909 |
| Return on Equity (ROE) | 8.0922% | 2,776 |
| Retained earnings to average equity (ytd only) | 2.3274% | 3,814 |
| Net charge-offs to loans | 0.1250% | 1,130 |
| Credit loss provision to net charge-offs | 229.5082% | 1,997 |
| Earnings coverage of net charge-offs (x) | 14.9180% | 2,126 |
| Efficiency ratio | 74.1036% | 1,396 |
| Assets per employee ($millions) | 4.7102% | 3,588 |
| Cash dividends to net income (ytd only)* | 71.2383% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,546 |
| Loan loss allowance to noncurrent loans | 186.3049% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 2,657 |
| Noncurrent loans to loans | 0.5547% | 2,407 |
| Net loans and leases to total assets | 66.6265% | 2,436 |
| Net loans and leases to deposits | 76.2918% | 2,723 |
| Net loans and leases to core deposits | 78.8238% | 2,933 |
| Total domestic deposits to total assets | 87.3311% | 1,529 |
| Equity capital to assets | 12.3147% | 1,506 |
| Core capital (leverage) ratio | 11.5870% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,748,750 | 4,021 |
| Average earning assets | $92,380,750 | 3,994 |
| Average equity | $12,373,750 | 3,942 |
| Average total loans | $65,085,500 | 3,845 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,374 |
| Cost of funding earning assets | 0.5956% | 2,989 |
| Net interest margin | 4.1183% | 1,076 |
| Noninterest income to average assets | 0.8289% | 1,352 |
| Noninterest expense to average assets | 3.6413% | 619 |
| Loan and lease loss provision to assets | 0.2297% | 1,829 |
| Net operating income to assets | 0.8164% | 2,984 |
| Return on assets (ROA) | 0.8164% | 3,101 |
| Pretax return on assets | 0.8560% | 3,439 |
| Return on Equity (ROE) | 6.3865% | 3,367 |
| Retained earnings to average equity (ytd only) | -0.3920% | 4,381 |
| Net charge-offs to loans | 0.1983% | 774 |
| Credit loss provision to net charge-offs | 174.6032% | 2,016 |
| Earnings coverage of net charge-offs (x) | 8.2540% | 2,304 |
| Efficiency ratio | 77.0318% | 1,150 |
| Assets per employee ($millions) | 4.5913% | 3,662 |
| Cash dividends to net income (ytd only)* | 106.1381% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,562 |
| Loan loss allowance to noncurrent loans | 157.3059% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4336% | 2,572 |
| Noncurrent loans to loans | 0.6376% | 2,270 |
| Net loans and leases to total assets | 67.3227% | 2,451 |
| Net loans and leases to deposits | 77.2504% | 2,729 |
| Net loans and leases to core deposits | 79.5159% | 2,984 |
| Total domestic deposits to total assets | 87.1487% | 1,562 |
| Equity capital to assets | 12.4246% | 1,414 |
| Core capital (leverage) ratio | 11.5938% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,790,333 | 4,051 |
| Average earning assets | $90,668,667 | 4,017 |
| Average equity | $12,244,667 | 3,958 |
| Average total loans | $63,526,667 | 3,884 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 1,329 |
| Cost of funding earning assets | 0.6159% | 3,355 |
| Net interest margin | 4.2249% | 871 |
| Noninterest income to average assets | 0.9444% | 967 |
| Noninterest expense to average assets | 3.6231% | 796 |
| Loan and lease loss provision to assets | 0.0644% | 2,958 |
| Net operating income to assets | 1.1719% | 1,612 |
| Return on assets (ROA) | 1.1719% | 1,729 |
| Pretax return on assets | 1.2320% | 2,094 |
| Return on Equity (ROE) | 9.0308% | 2,101 |
| Retained earnings to average equity (ytd only) | 3.7380% | 2,788 |
| Net charge-offs to loans | 0.2232% | 634 |
| Credit loss provision to net charge-offs | 44.1176% | 2,077 |
| Earnings coverage of net charge-offs (x) | 8.8824% | 1,844 |
| Efficiency ratio | 73.6475% | 1,863 |
| Assets per employee ($millions) | 4.2433% | 3,603 |
| Cash dividends to net income (ytd only)* | 58.6081% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,551 |
| Loan loss allowance to noncurrent loans | 165.8667% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,845 |
| Noncurrent loans to loans | 0.6206% | 2,440 |
| Net loans and leases to total assets | 64.0665% | 3,059 |
| Net loans and leases to deposits | 74.1980% | 3,251 |
| Net loans and leases to core deposits | 76.9740% | 3,433 |
| Total domestic deposits to total assets | 86.3454% | 1,854 |
| Equity capital to assets | 13.4789% | 1,228 |
| Core capital (leverage) ratio | 12.1892% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,181,000 | 4,085 |
| Average earning assets | $87,670,500 | 4,058 |
| Average equity | $12,092,000 | 3,986 |
| Average total loans | $60,944,500 | 3,939 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 1,039 |
| Cost of funding earning assets | 0.5165% | 4,011 |
| Net interest margin | 4.6638% | 505 |
| Noninterest income to average assets | 1.0231% | 926 |
| Noninterest expense to average assets | 3.7822% | 684 |
| Loan and lease loss provision to assets | 0.0839% | 2,331 |
| Net operating income to assets | 1.4093% | 1,314 |
| Return on assets (ROA) | 1.4093% | 1,392 |
| Pretax return on assets | 1.4921% | 1,831 |
| Return on Equity (ROE) | 11.5775% | 1,659 |
| Retained earnings to average equity (ytd only) | 7.4977% | 1,172 |
| Net charge-offs to loans | 0.0313% | 2,767 |
| Credit loss provision to net charge-offs | 400.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 75.1579% | 835 |
| Efficiency ratio | 70.5870% | 2,086 |
| Assets per employee ($millions) | 4.2277% | 3,602 |
| Cash dividends to net income (ytd only)* | 35.2388% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 3,262 |
| Loan loss allowance to noncurrent loans | 226.5018% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,159 |
| Noncurrent loans to loans | 0.4605% | 2,795 |
| Net loans and leases to total assets | 65.3894% | 3,029 |
| Net loans and leases to deposits | 74.8363% | 3,277 |
| Net loans and leases to core deposits | 80.7086% | 3,238 |
| Total domestic deposits to total assets | 87.3765% | 1,420 |
| Equity capital to assets | 12.4730% | 1,834 |
| Core capital (leverage) ratio | 12.4702% | 1,503 |
| Tier 1 risk-based capital ratio | 18.8257% | 1,564 |
| Total risk-based capital ratio | 19.9076% | 1,570 |
| Memoranda: | ||
| Average total assets | $90,609,800 | 4,140 |
| Average earning assets | $84,223,400 | 4,118 |
| Average equity | $11,030,000 | 4,124 |
| Average total loans | $60,796,200 | 3,972 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1993% | 1,043 |
| Cost of funding earning assets | 0.4865% | 4,195 |
| Net interest margin | 4.7128% | 485 |
| Noninterest income to average assets | 1.0176% | 904 |
| Noninterest expense to average assets | 3.6662% | 783 |
| Loan and lease loss provision to assets | 0.0918% | 2,071 |
| Net operating income to assets | 1.5376% | 1,095 |
| Return on assets (ROA) | 1.5376% | 1,148 |
| Pretax return on assets | 1.6220% | 1,555 |
| Return on Equity (ROE) | 12.7118% | 1,382 |
| Retained earnings to average equity (ytd only) | 7.2009% | 1,757 |
| Net charge-offs to loans | 0.1495% | 1,091 |
| Credit loss provision to net charge-offs | 91.1765% | 2,381 |
| Earnings coverage of net charge-offs (x) | 17.0156% | 2,115 |
| Efficiency ratio | 68.1443% | 2,391 |
| Assets per employee ($millions) | 4.0174% | 3,882 |
| Cash dividends to net income (ytd only)* | 43.3528% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 3,878 |
| Loan loss allowance to noncurrent loans | 150.9138% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 2,738 |
| Noncurrent loans to loans | 0.6222% | 2,416 |
| Net loans and leases to total assets | 68.9880% | 2,627 |
| Net loans and leases to deposits | 79.5951% | 2,942 |
| Net loans and leases to core deposits | 85.4957% | 2,952 |
| Total domestic deposits to total assets | 86.6738% | 1,696 |
| Equity capital to assets | 13.0683% | 1,591 |
| Core capital (leverage) ratio | 12.3185% | 1,670 |
| Tier 1 risk-based capital ratio | 18.5118% | 1,684 |
| Total risk-based capital ratio | 19.4928% | 1,714 |
| Memoranda: | ||
| Average total assets | $90,010,000 | 4,201 |
| Average earning assets | $83,317,000 | 4,187 |
| Average equity | $10,887,250 | 4,177 |
| Average total loans | $60,630,500 | 4,014 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1215% | 1,168 |
| Cost of funding earning assets | 0.4424% | 4,351 |
| Net interest margin | 4.6791% | 514 |
| Noninterest income to average assets | 0.9939% | 881 |
| Noninterest expense to average assets | 3.7591% | 696 |
| Loan and lease loss provision to assets | 0.0442% | 2,940 |
| Net operating income to assets | 1.4732% | 1,221 |
| Return on assets (ROA) | 1.4732% | 1,276 |
| Pretax return on assets | 1.5593% | 1,668 |
| Return on Equity (ROE) | 12.5066% | 1,409 |
| Retained earnings to average equity (ytd only) | 6.3189% | 2,131 |
| Net charge-offs to loans | 0.0365% | 2,143 |
| Credit loss provision to net charge-offs | 181.8182% | 1,304 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 935 |
| Efficiency ratio | 70.0988% | 2,208 |
| Assets per employee ($millions) | 4.2025% | 3,569 |
| Cash dividends to net income (ytd only)* | 49.4753% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,785 |
| Loan loss allowance to noncurrent loans | 140.7583% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,510 |
| Noncurrent loans to loans | 0.6888% | 2,247 |
| Net loans and leases to total assets | 68.7452% | 2,715 |
| Net loans and leases to deposits | 78.7950% | 3,082 |
| Net loans and leases to core deposits | 83.3079% | 3,173 |
| Total domestic deposits to total assets | 87.2456% | 1,469 |
| Equity capital to assets | 12.5867% | 1,807 |
| Core capital (leverage) ratio | 11.9969% | 1,833 |
| Tier 1 risk-based capital ratio | 18.4951% | 1,671 |
| Total risk-based capital ratio | 19.5255% | 1,693 |
| Memoranda: | ||
| Average total assets | $90,552,670 | 4,209 |
| Average earning assets | $84,545,670 | 4,201 |
| Average equity | $10,666,330 | 4,217 |
| Average total loans | $60,323,670 | 4,046 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 1,147 |
| Cost of funding earning assets | 0.4211% | 4,396 |
| Net interest margin | 4.6553% | 545 |
| Noninterest income to average assets | 0.9160% | 1,008 |
| Noninterest expense to average assets | 3.4634% | 1,021 |
| Loan and lease loss provision to assets | 0.0218% | 3,159 |
| Net operating income to assets | 1.6793% | 763 |
| Return on assets (ROA) | 1.6793% | 788 |
| Pretax return on assets | 1.7709% | 1,048 |
| Return on Equity (ROE) | 14.7432% | 804 |
| Retained earnings to average equity (ytd only) | 10.9138% | 818 |
| Net charge-offs to loans | 0.0267% | 1,918 |
| Credit loss provision to net charge-offs | 125.0000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 102.7500% | 657 |
| Efficiency ratio | 65.8921% | 2,952 |
| Assets per employee ($millions) | 4.1160% | 3,742 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 3,819 |
| Loan loss allowance to noncurrent loans | 110.1695% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 2,304 |
| Noncurrent loans to loans | 0.8913% | 1,870 |
| Net loans and leases to total assets | 65.1464% | 3,157 |
| Net loans and leases to deposits | 74.0650% | 3,445 |
| Net loans and leases to core deposits | 77.4621% | 3,562 |
| Total domestic deposits to total assets | 87.9584% | 1,353 |
| Equity capital to assets | 11.8483% | 2,119 |
| Core capital (leverage) ratio | 11.7163% | 1,969 |
| Tier 1 risk-based capital ratio | 18.1882% | 1,744 |
| Total risk-based capital ratio | 19.1911% | 1,770 |
| Memoranda: | ||
| Average total assets | $91,703,000 | 4,234 |
| Average earning assets | $85,493,500 | 4,231 |
| Average equity | $10,445,500 | 4,266 |
| Average total loans | $59,854,000 | 4,089 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 1,546 |
| Cost of funding earning assets | 0.3659% | 4,185 |
| Net interest margin | 4.4340% | 872 |
| Noninterest income to average assets | 1.0435% | 871 |
| Noninterest expense to average assets | 3.6000% | 871 |
| Loan and lease loss provision to assets | 0.0225% | 3,720 |
| Net operating income to assets | 1.5220% | 1,065 |
| Return on assets (ROA) | 1.5220% | 1,046 |
| Pretax return on assets | 1.5860% | 1,510 |
| Return on Equity (ROE) | 13.9329% | 1,062 |
| Retained earnings to average equity (ytd only) | 8.3803% | 1,093 |
| Net charge-offs to loans | 0.2325% | 838 |
| Credit loss provision to net charge-offs | 14.7059% | 3,417 |
| Earnings coverage of net charge-offs (x) | 10.5294% | 2,709 |
| Efficiency ratio | 69.1180% | 2,364 |
| Assets per employee ($millions) | 4.6427% | 2,970 |
| Cash dividends to net income (ytd only)* | 39.8524% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,856 |
| Loan loss allowance to noncurrent loans | 106.5693% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 2,263 |
| Noncurrent loans to loans | 0.9113% | 1,761 |
| Net loans and leases to total assets | 64.1304% | 3,345 |
| Net loans and leases to deposits | 72.1231% | 3,662 |
| Net loans and leases to core deposits | 77.1764% | 3,631 |
| Total domestic deposits to total assets | 88.9180% | 892 |
| Equity capital to assets | 10.9442% | 2,741 |
| Core capital (leverage) ratio | 10.9907% | 2,536 |
| Tier 1 risk-based capital ratio | 17.2950% | 1,954 |
| Total risk-based capital ratio | 18.2733% | 2,002 |
| Memoranda: | ||
| Average total assets | $89,028,000 | 4,288 |
| Average earning assets | $83,626,400 | 4,256 |
| Average equity | $9,725,200 | 4,343 |
| Average total loans | $58,484,800 | 4,132 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7449% | 1,562 |
| Cost of funding earning assets | 0.3623% | 4,102 |
| Net interest margin | 4.3826% | 935 |
| Noninterest income to average assets | 1.0582% | 848 |
| Noninterest expense to average assets | 3.4804% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6304% | 893 |
| Return on assets (ROA) | 1.6304% | 902 |
| Pretax return on assets | 1.6986% | 1,278 |
| Return on Equity (ROE) | 14.9330% | 892 |
| Retained earnings to average equity (ytd only) | 10.2188% | 850 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2026% | 2,682 |
| Assets per employee ($millions) | 4.3852% | 3,300 |
| Cash dividends to net income (ytd only)* | 31.5691% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,780 |
| Loan loss allowance to noncurrent loans | 109.7027% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 2,039 |
| Noncurrent loans to loans | 1.0685% | 1,595 |
| Net loans and leases to total assets | 67.3892% | 3,024 |
| Net loans and leases to deposits | 76.0833% | 3,412 |
| Net loans and leases to core deposits | 81.2234% | 3,387 |
| Total domestic deposits to total assets | 88.5729% | 1,012 |
| Equity capital to assets | 11.1911% | 2,484 |
| Core capital (leverage) ratio | 11.6623% | 2,035 |
| Tier 1 risk-based capital ratio | 17.4501% | 1,952 |
| Total risk-based capital ratio | 18.6422% | 1,919 |
| Memoranda: | ||
| Average total assets | $88,071,750 | 4,349 |
| Average earning assets | $82,810,250 | 4,309 |
| Average equity | $9,616,000 | 4,402 |
| Average total loans | $58,073,250 | 4,187 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 1,608 |
| Cost of funding earning assets | 0.3541% | 4,049 |
| Net interest margin | 4.3070% | 1,020 |
| Noninterest income to average assets | 1.0772% | 827 |
| Noninterest expense to average assets | 3.4832% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5761% | 976 |
| Return on assets (ROA) | 1.5761% | 977 |
| Pretax return on assets | 1.6486% | 1,345 |
| Return on Equity (ROE) | 14.5555% | 947 |
| Retained earnings to average equity (ytd only) | 7.4348% | 1,871 |
| Net charge-offs to loans | -0.0313% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8745% | 2,669 |
| Assets per employee ($millions) | 4.5489% | 3,053 |
| Cash dividends to net income (ytd only)* | 48.9209% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2229% | 2,588 |
| Loan loss allowance to noncurrent loans | 164.7332% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 2,764 |
| Noncurrent loans to loans | 0.7424% | 2,249 |
| Net loans and leases to total assets | 66.3516% | 3,088 |
| Net loans and leases to deposits | 74.8011% | 3,458 |
| Net loans and leases to core deposits | 78.4919% | 3,534 |
| Total domestic deposits to total assets | 88.7040% | 1,057 |
| Equity capital to assets | 11.0808% | 2,562 |
| Core capital (leverage) ratio | 11.2613% | 2,292 |
| Tier 1 risk-based capital ratio | 17.1400% | 2,054 |
| Total risk-based capital ratio | 18.3712% | 2,007 |
| Memoranda: | ||
| Average total assets | $88,194,330 | 4,379 |
| Average earning assets | $83,028,330 | 4,343 |
| Average equity | $9,549,670 | 4,453 |
| Average total loans | $57,496,330 | 4,228 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,593 |
| Cost of funding earning assets | 0.3479% | 4,011 |
| Net interest margin | 4.2459% | 1,060 |
| Noninterest income to average assets | 1.1226% | 741 |
| Noninterest expense to average assets | 3.3769% | 1,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6570% | 753 |
| Return on assets (ROA) | 1.6570% | 757 |
| Pretax return on assets | 1.7468% | 1,010 |
| Return on Equity (ROE) | 15.4782% | 713 |
| Retained earnings to average equity (ytd only) | 11.2836% | 829 |
| Net charge-offs to loans | -0.0280% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9071% | 3,177 |
| Assets per employee ($millions) | 4.3602% | 3,382 |
| Cash dividends to net income (ytd only)* | 27.1003% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,635 |
| Loan loss allowance to noncurrent loans | 111.3744% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 2,140 |
| Noncurrent loans to loans | 1.1036% | 1,659 |
| Net loans and leases to total assets | 64.9657% | 3,182 |
| Net loans and leases to deposits | 73.1041% | 3,505 |
| Net loans and leases to core deposits | 77.6427% | 3,528 |
| Total domestic deposits to total assets | 88.8674% | 1,166 |
| Equity capital to assets | 10.9308% | 2,649 |
| Core capital (leverage) ratio | 11.0203% | 2,415 |
| Tier 1 risk-based capital ratio | 17.0550% | 2,101 |
| Total risk-based capital ratio | 18.2821% | 2,060 |
| Memoranda: | ||
| Average total assets | $89,077,000 | 4,412 |
| Average earning assets | $83,939,000 | 4,374 |
| Average equity | $9,536,000 | 4,497 |
| Average total loans | $57,216,000 | 4,276 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 1,097 |
| Cost of funding earning assets | 0.3797% | 3,425 |
| Net interest margin | 4.3607% | 840 |
| Noninterest income to average assets | 0.9916% | 1,039 |
| Noninterest expense to average assets | 3.7752% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2945% | 1,235 |
| Return on assets (ROA) | 1.2945% | 1,254 |
| Pretax return on assets | 1.3302% | 2,246 |
| Return on Equity (ROE) | 12.0009% | 1,214 |
| Retained earnings to average equity (ytd only) | 7.7301% | 849 |
| Net charge-offs to loans | 0.1130% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 18.0469% | 2,094 |
| Efficiency ratio | 73.9454% | 1,901 |
| Assets per employee ($millions) | 4.5476% | 3,118 |
| Cash dividends to net income (ytd only)* | 35.5872% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,612 |
| Loan loss allowance to noncurrent loans | 123.6332% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 2,459 |
| Noncurrent loans to loans | 0.9934% | 1,781 |
| Net loans and leases to total assets | 61.9828% | 3,627 |
| Net loans and leases to deposits | 69.3535% | 3,924 |
| Net loans and leases to core deposits | 73.4457% | 3,926 |
| Total domestic deposits to total assets | 89.3723% | 838 |
| Equity capital to assets | 10.4892% | 3,180 |
| Core capital (leverage) ratio | 10.9419% | 2,390 |
| Tier 1 risk-based capital ratio | 16.3847% | 2,307 |
| Total risk-based capital ratio | 17.5899% | 2,257 |
| Memoranda: | ||
| Average total assets | $86,830,800 | 4,478 |
| Average earning assets | $81,913,600 | 4,435 |
| Average equity | $9,366,000 | 4,548 |
| Average total loans | $56,657,000 | 4,275 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 911 |
| Cost of funding earning assets | 0.3816% | 3,363 |
| Net interest margin | 4.4276% | 691 |
| Noninterest income to average assets | 1.0007% | 1,022 |
| Noninterest expense to average assets | 3.6052% | 866 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5275% | 845 |
| Return on assets (ROA) | 1.5275% | 867 |
| Pretax return on assets | 1.5788% | 1,490 |
| Return on Equity (ROE) | 14.0588% | 819 |
| Retained earnings to average equity (ytd only) | 8.3380% | 1,080 |
| Net charge-offs to loans | 0.0259% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 92.3401% | 728 |
| Efficiency ratio | 69.5444% | 2,615 |
| Assets per employee ($millions) | 4.6132% | 2,955 |
| Cash dividends to net income (ytd only)* | 40.6919% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 2,278 |
| Loan loss allowance to noncurrent loans | 133.8652% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 2,570 |
| Noncurrent loans to loans | 0.9837% | 1,961 |
| Net loans and leases to total assets | 64.5492% | 3,319 |
| Net loans and leases to deposits | 72.6831% | 3,706 |
| Net loans and leases to core deposits | 75.8947% | 3,807 |
| Total domestic deposits to total assets | 88.8090% | 965 |
| Equity capital to assets | 10.9993% | 2,863 |
| Core capital (leverage) ratio | 10.8754% | 2,575 |
| Tier 1 risk-based capital ratio | 16.1606% | 2,434 |
| Total risk-based capital ratio | 17.4097% | 2,383 |
| Memoranda: | ||
| Average total assets | $85,800,750 | 4,531 |
| Average earning assets | $81,065,000 | 4,490 |
| Average equity | $9,322,500 | 4,605 |
| Average total loans | $56,552,500 | 4,313 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 700 |
| Cost of funding earning assets | 0.3883% | 3,201 |
| Net interest margin | 4.5080% | 560 |
| Noninterest income to average assets | 1.0237% | 968 |
| Noninterest expense to average assets | 3.5734% | 904 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6482% | 628 |
| Return on assets (ROA) | 1.6482% | 648 |
| Pretax return on assets | 1.7022% | 1,054 |
| Return on Equity (ROE) | 15.2338% | 627 |
| Retained earnings to average equity (ytd only) | 8.7236% | 931 |
| Net charge-offs to loans | -0.0036% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7348% | 3,062 |
| Assets per employee ($millions) | 4.2711% | 3,489 |
| Cash dividends to net income (ytd only)* | 42.7350% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 2,228 |
| Loan loss allowance to noncurrent loans | 187.5306% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 3,177 |
| Noncurrent loans to loans | 0.7147% | 2,604 |
| Net loans and leases to total assets | 66.0907% | 3,090 |
| Net loans and leases to deposits | 74.4370% | 3,500 |
| Net loans and leases to core deposits | 78.8965% | 3,514 |
| Total domestic deposits to total assets | 88.7874% | 1,063 |
| Equity capital to assets | 11.1376% | 2,667 |
| Core capital (leverage) ratio | 10.7037% | 2,697 |
| Tier 1 risk-based capital ratio | 16.1333% | 2,448 |
| Total risk-based capital ratio | 17.3838% | 2,394 |
| Memoranda: | ||
| Average total assets | $85,184,000 | 4,568 |
| Average earning assets | $80,346,000 | 4,528 |
| Average equity | $9,216,330 | 4,646 |
| Average total loans | $56,292,330 | 4,348 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 618 |
| Cost of funding earning assets | 0.3887% | 3,109 |
| Net interest margin | 4.5198% | 507 |
| Noninterest income to average assets | 1.0298% | 950 |
| Noninterest expense to average assets | 3.5502% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6881% | 567 |
| Return on assets (ROA) | 1.6881% | 579 |
| Pretax return on assets | 1.7445% | 910 |
| Return on Equity (ROE) | 15.8368% | 545 |
| Retained earnings to average equity (ytd only) | 11.4254% | 542 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0515% | 3,336 |
| Assets per employee ($millions) | 4.3973% | 3,337 |
| Cash dividends to net income (ytd only)* | 27.8552% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,182 |
| Loan loss allowance to noncurrent loans | 162.9787% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 3,093 |
| Noncurrent loans to loans | 0.8448% | 2,346 |
| Net loans and leases to total assets | 62.3867% | 3,482 |
| Net loans and leases to deposits | 69.8352% | 3,816 |
| Net loans and leases to core deposits | 73.6190% | 3,870 |
| Total domestic deposits to total assets | 89.3342% | 986 |
| Equity capital to assets | 10.5168% | 3,165 |
| Core capital (leverage) ratio | 10.5189% | 2,883 |
| Tier 1 risk-based capital ratio | 16.0355% | 2,533 |
| Total risk-based capital ratio | 17.2856% | 2,486 |
| Memoranda: | ||
| Average total assets | $85,065,000 | 4,623 |
| Average earning assets | $80,268,500 | 4,578 |
| Average equity | $9,067,500 | 4,705 |
| Average total loans | $55,827,000 | 4,402 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 1,063 |
| Cost of funding earning assets | 0.4578% | 2,466 |
| Net interest margin | 4.2405% | 1,030 |
| Noninterest income to average assets | 1.1173% | 921 |
| Noninterest expense to average assets | 3.7412% | 835 |
| Loan and lease loss provision to assets | 0.1935% | 1,204 |
| Net operating income to assets | 1.1330% | 1,758 |
| Return on assets (ROA) | 1.1330% | 1,853 |
| Pretax return on assets | 1.1814% | 2,755 |
| Return on Equity (ROE) | 10.4693% | 1,774 |
| Retained earnings to average equity (ytd only) | 6.0000% | 1,703 |
| Net charge-offs to loans | 0.5552% | 425 |
| Credit loss provision to net charge-offs | 50.3145% | 3,372 |
| Earnings coverage of net charge-offs (x) | 3.5755% | 3,639 |
| Efficiency ratio | 73.1269% | 2,409 |
| Assets per employee ($millions) | 4.1093% | 3,770 |
| Cash dividends to net income (ytd only)* | 42.6894% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 2,247 |
| Loan loss allowance to noncurrent loans | 83.4973% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 1,658 |
| Noncurrent loans to loans | 1.6333% | 1,193 |
| Net loans and leases to total assets | 67.2361% | 2,895 |
| Net loans and leases to deposits | 75.5004% | 3,370 |
| Net loans and leases to core deposits | 81.4666% | 3,256 |
| Total domestic deposits to total assets | 89.0540% | 1,088 |
| Equity capital to assets | 10.8122% | 2,802 |
| Core capital (leverage) ratio | 10.6500% | 2,721 |
| Tier 1 risk-based capital ratio | 15.8907% | 2,594 |
| Total risk-based capital ratio | 17.1406% | 2,527 |
| Memoranda: | ||
| Average total assets | $82,701,000 | 4,678 |
| Average earning assets | $77,986,000 | 4,628 |
| Average equity | $8,950,000 | 4,774 |
| Average total loans | $57,281,600 | 4,368 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,023 |
| Cost of funding earning assets | 0.4816% | 2,245 |
| Net interest margin | 4.2443% | 1,039 |
| Noninterest income to average assets | 1.1155% | 919 |
| Noninterest expense to average assets | 3.6749% | 888 |
| Loan and lease loss provision to assets | 0.2576% | 717 |
| Net operating income to assets | 1.1509% | 1,804 |
| Return on assets (ROA) | 1.1509% | 1,902 |
| Pretax return on assets | 1.1831% | 2,905 |
| Return on Equity (ROE) | 10.6325% | 1,814 |
| Retained earnings to average equity (ytd only) | 4.6843% | 3,030 |
| Net charge-offs to loans | 0.3843% | 573 |
| Credit loss provision to net charge-offs | 96.3855% | 2,432 |
| Earnings coverage of net charge-offs (x) | 5.3915% | 3,140 |
| Efficiency ratio | 71.8376% | 2,598 |
| Assets per employee ($millions) | 4.1635% | 3,667 |
| Cash dividends to net income (ytd only)* | 55.9440% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 1,436 |
| Loan loss allowance to noncurrent loans | 85.0649% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 1,488 |
| Noncurrent loans to loans | 1.8953% | 1,058 |
| Net loans and leases to total assets | 67.2039% | 2,922 |
| Net loans and leases to deposits | 75.8296% | 3,416 |
| Net loans and leases to core deposits | 79.3208% | 3,520 |
| Total domestic deposits to total assets | 88.6248% | 1,090 |
| Equity capital to assets | 11.0737% | 2,938 |
| Core capital (leverage) ratio | 10.4246% | 3,081 |
| Tier 1 risk-based capital ratio | 15.2395% | 2,937 |
| Total risk-based capital ratio | 16.4937% | 2,869 |
| Memoranda: | ||
| Average total assets | $82,830,000 | 4,707 |
| Average earning assets | $78,063,750 | 4,661 |
| Average equity | $8,966,000 | 4,812 |
| Average total loans | $57,596,500 | 4,391 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 965 |
| Cost of funding earning assets | 0.5160% | 1,971 |
| Net interest margin | 4.2285% | 1,061 |
| Noninterest income to average assets | 1.0933% | 939 |
| Noninterest expense to average assets | 3.6162% | 988 |
| Loan and lease loss provision to assets | 0.2903% | 629 |
| Net operating income to assets | 1.1393% | 1,812 |
| Return on assets (ROA) | 1.1393% | 1,929 |
| Pretax return on assets | 1.1707% | 2,898 |
| Return on Equity (ROE) | 10.6069% | 1,802 |
| Retained earnings to average equity (ytd only) | 3.8509% | 3,442 |
| Net charge-offs to loans | 0.4634% | 482 |
| Credit loss provision to net charge-offs | 89.5522% | 2,245 |
| Earnings coverage of net charge-offs (x) | 4.5075% | 2,981 |
| Efficiency ratio | 71.2244% | 2,785 |
| Assets per employee ($millions) | 4.1497% | 3,653 |
| Cash dividends to net income (ytd only)* | 63.6943% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5775% | 1,590 |
| Loan loss allowance to noncurrent loans | 63.5919% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.7242% | 1,031 |
| Noncurrent loans to loans | 2.4807% | 711 |
| Net loans and leases to total assets | 68.4086% | 2,724 |
| Net loans and leases to deposits | 78.1067% | 3,149 |
| Net loans and leases to core deposits | 82.2111% | 3,249 |
| Total domestic deposits to total assets | 87.5834% | 1,632 |
| Equity capital to assets | 10.9924% | 3,067 |
| Core capital (leverage) ratio | 10.2922% | 3,208 |
| Tier 1 risk-based capital ratio | 14.7535% | 3,179 |
| Total risk-based capital ratio | 16.0074% | 3,124 |
| Memoranda: | ||
| Average total assets | $82,683,670 | 4,753 |
| Average earning assets | $77,900,000 | 4,704 |
| Average equity | $8,881,000 | 4,863 |
| Average total loans | $57,836,330 | 4,410 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 827 |
| Cost of funding earning assets | 0.4992% | 2,114 |
| Net interest margin | 4.3126% | 906 |
| Noninterest income to average assets | 1.0663% | 954 |
| Noninterest expense to average assets | 3.5866% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5413% | 791 |
| Return on assets (ROA) | 1.5413% | 830 |
| Pretax return on assets | 1.5413% | 1,463 |
| Return on Equity (ROE) | 14.5205% | 742 |
| Retained earnings to average equity (ytd only) | 9.9543% | 852 |
| Net charge-offs to loans | 0.7529% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.9174% | 2,614 |
| Efficiency ratio | 69.9433% | 3,143 |
| Assets per employee ($millions) | 4.0813% | 3,809 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 2,356 |
| Loan loss allowance to noncurrent loans | 63.5230% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 1,128 |
| Noncurrent loans to loans | 2.2288% | 914 |
| Net loans and leases to total assets | 69.5240% | 2,419 |
| Net loans and leases to deposits | 80.5259% | 2,728 |
| Net loans and leases to core deposits | 83.5441% | 2,971 |
| Total domestic deposits to total assets | 86.3375% | 2,522 |
| Equity capital to assets | 11.0015% | 2,936 |
| Core capital (leverage) ratio | 10.2857% | 3,215 |
| Tier 1 risk-based capital ratio | 14.7427% | 3,267 |
| Total risk-based capital ratio | 15.9939% | 3,208 |
| Memoranda: | ||
| Average total assets | $82,528,500 | 4,798 |
| Average earning assets | $77,725,500 | 4,753 |
| Average equity | $8,760,000 | 4,912 |
| Average total loans | $57,912,000 | 4,446 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 695 |
| Cost of funding earning assets | 0.5488% | 1,771 |
| Net interest margin | 4.3968% | 798 |
| Noninterest income to average assets | 0.7765% | 1,876 |
| Noninterest expense to average assets | 3.5661% | 1,184 |
| Loan and lease loss provision to assets | 0.2717% | 675 |
| Net operating income to assets | 0.9866% | 2,437 |
| Return on assets (ROA) | 0.9866% | 2,518 |
| Pretax return on assets | 1.0313% | 3,345 |
| Return on Equity (ROE) | 9.7569% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.9353% | 1,829 |
| Net charge-offs to loans | 0.7276% | 327 |
| Credit loss provision to net charge-offs | 53.8278% | 3,351 |
| Earnings coverage of net charge-offs (x) | 2.5813% | 3,872 |
| Efficiency ratio | 73.2391% | 2,705 |
| Assets per employee ($millions) | 4.1716% | 3,625 |
| Cash dividends to net income (ytd only)* | 39.1677% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 1,656 |
| Loan loss allowance to noncurrent loans | 67.1024% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8003% | 1,057 |
| Noncurrent loans to loans | 2.3635% | 805 |
| Net loans and leases to total assets | 68.7218% | 2,586 |
| Net loans and leases to deposits | 78.8026% | 2,963 |
| Net loans and leases to core deposits | 82.1397% | 3,133 |
| Total domestic deposits to total assets | 87.2075% | 2,030 |
| Equity capital to assets | 10.2359% | 3,700 |
| Core capital (leverage) ratio | 9.9105% | 3,627 |
| Tier 1 risk-based capital ratio | 14.1102% | 3,657 |
| Total risk-based capital ratio | 15.3627% | 3,569 |
| Memoranda: | ||
| Average total assets | $82,806,800 | 4,812 |
| Average earning assets | $77,078,800 | 4,783 |
| Average equity | $8,373,600 | 4,985 |
| Average total loans | $57,448,600 | 4,444 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 674 |
| Cost of funding earning assets | 0.5544% | 1,766 |
| Net interest margin | 4.4060% | 784 |
| Noninterest income to average assets | 0.8034% | 1,794 |
| Noninterest expense to average assets | 3.4877% | 1,313 |
| Loan and lease loss provision to assets | 0.1210% | 1,882 |
| Net operating income to assets | 1.2292% | 1,557 |
| Return on assets (ROA) | 1.2292% | 1,612 |
| Pretax return on assets | 1.2841% | 2,455 |
| Return on Equity (ROE) | 12.1936% | 1,319 |
| Retained earnings to average equity (ytd only) | 7.0730% | 1,654 |
| Net charge-offs to loans | 0.6917% | 310 |
| Credit loss provision to net charge-offs | 25.2525% | 3,322 |
| Earnings coverage of net charge-offs (x) | 2.9326% | 3,577 |
| Efficiency ratio | 71.2826% | 2,996 |
| Assets per employee ($millions) | 4.0501% | 3,803 |
| Cash dividends to net income (ytd only)* | 41.9953% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 2,176 |
| Loan loss allowance to noncurrent loans | 54.5399% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.1587% | 897 |
| Noncurrent loans to loans | 2.7421% | 690 |
| Net loans and leases to total assets | 69.3085% | 2,486 |
| Net loans and leases to deposits | 79.4129% | 2,946 |
| Net loans and leases to core deposits | 84.0496% | 3,034 |
| Total domestic deposits to total assets | 87.2762% | 1,904 |
| Equity capital to assets | 10.1443% | 4,003 |
| Core capital (leverage) ratio | 9.9606% | 3,691 |
| Tier 1 risk-based capital ratio | 14.0313% | 3,825 |
| Total risk-based capital ratio | 15.2850% | 3,772 |
| Memoranda: | ||
| Average total assets | $82,650,500 | 4,874 |
| Average earning assets | $76,712,000 | 4,853 |
| Average equity | $8,332,000 | 5,059 |
| Average total loans | $57,245,750 | 4,495 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 666 |
| Cost of funding earning assets | 0.5664% | 1,673 |
| Net interest margin | 4.3750% | 796 |
| Noninterest income to average assets | 0.8455% | 1,621 |
| Noninterest expense to average assets | 3.5504% | 1,214 |
| Loan and lease loss provision to assets | 0.1222% | 1,805 |
| Net operating income to assets | 1.1558% | 1,757 |
| Return on assets (ROA) | 1.1558% | 1,824 |
| Pretax return on assets | 1.2120% | 2,724 |
| Return on Equity (ROE) | 11.4899% | 1,524 |
| Retained earnings to average equity (ytd only) | 6.1458% | 2,148 |
| Net charge-offs to loans | 0.0674% | 2,420 |
| Credit loss provision to net charge-offs | 263.1579% | 1,010 |
| Earnings coverage of net charge-offs (x) | 28.7368% | 1,399 |
| Efficiency ratio | 72.6863% | 2,900 |
| Assets per employee ($millions) | 3.9448% | 3,992 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 1,058 |
| Loan loss allowance to noncurrent loans | 65.7127% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.3926% | 816 |
| Noncurrent loans to loans | 2.9779% | 670 |
| Net loans and leases to total assets | 69.4314% | 2,419 |
| Net loans and leases to deposits | 79.3557% | 2,866 |
| Net loans and leases to core deposits | 84.1002% | 2,971 |
| Total domestic deposits to total assets | 87.4940% | 1,907 |
| Equity capital to assets | 9.8914% | 4,165 |
| Core capital (leverage) ratio | 9.7667% | 3,919 |
| Tier 1 risk-based capital ratio | 13.6337% | 4,143 |
| Total risk-based capital ratio | 14.8923% | 4,065 |
| Memoranda: | ||
| Average total assets | $81,849,670 | 4,940 |
| Average earning assets | $75,566,000 | 4,934 |
| Average equity | $8,233,330 | 5,118 |
| Average total loans | $56,379,670 | 4,566 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 753 |
| Cost of funding earning assets | 0.5603% | 1,751 |
| Net interest margin | 4.3046% | 867 |
| Noninterest income to average assets | 0.8653% | 1,517 |
| Noninterest expense to average assets | 3.3286% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5242% | 809 |
| Return on assets (ROA) | 1.5242% | 856 |
| Pretax return on assets | 1.5783% | 1,322 |
| Return on Equity (ROE) | 15.0248% | 706 |
| Retained earnings to average equity (ytd only) | 15.0248% | 281 |
| Net charge-offs to loans | -0.0652% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8357% | 3,855 |
| Assets per employee ($millions) | 4.7903% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0054% | 1,067 |
| Loan loss allowance to noncurrent loans | 93.0579% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.7621% | 1,396 |
| Noncurrent loans to loans | 2.1550% | 1,188 |
| Net loans and leases to total assets | 67.5655% | 2,518 |
| Net loans and leases to deposits | 77.8103% | 2,830 |
| Net loans and leases to core deposits | 81.9048% | 2,974 |
| Total domestic deposits to total assets | 86.8337% | 2,467 |
| Equity capital to assets | 10.5053% | 3,526 |
| Core capital (leverage) ratio | 9.8806% | 3,782 |
| Tier 1 risk-based capital ratio | 14.3539% | 3,797 |
| Total risk-based capital ratio | 15.6028% | 3,722 |
| Memoranda: | ||
| Average total assets | $81,354,500 | 5,001 |
| Average earning assets | $76,383,500 | 4,959 |
| Average equity | $8,253,000 | 5,147 |
| Average total loans | $55,237,000 | 4,634 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0533% | 702 |
| Cost of funding earning assets | 0.6037% | 1,731 |
| Net interest margin | 4.4496% | 817 |
| Noninterest income to average assets | 0.3143% | 4,871 |
| Noninterest expense to average assets | 3.5305% | 1,418 |
| Loan and lease loss provision to assets | 0.5680% | 252 |
| Net operating income to assets | 0.3938% | 5,242 |
| Return on assets (ROA) | 0.3938% | 5,311 |
| Pretax return on assets | 0.4115% | 5,453 |
| Return on Equity (ROE) | 4.2092% | 5,019 |
| Retained earnings to average equity (ytd only) | 1.5110% | 5,081 |
| Net charge-offs to loans | 0.4870% | 852 |
| Credit loss provision to net charge-offs | 171.1027% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.9506% | 4,021 |
| Efficiency ratio | 78.2816% | 2,167 |
| Assets per employee ($millions) | 4.2776% | 3,407 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0561% | 1,015 |
| Loan loss allowance to noncurrent loans | 104.8826% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 1,667 |
| Noncurrent loans to loans | 1.9604% | 1,430 |
| Net loans and leases to total assets | 65.4687% | 2,981 |
| Net loans and leases to deposits | 74.8063% | 3,336 |
| Net loans and leases to core deposits | 79.3312% | 3,372 |
| Total domestic deposits to total assets | 87.5175% | 2,023 |
| Equity capital to assets | 9.7830% | 4,381 |
| Core capital (leverage) ratio | 9.8409% | 3,783 |
| Tier 1 risk-based capital ratio | 13.4974% | 4,414 |
| Total risk-based capital ratio | 14.7560% | 4,349 |
| Memoranda: | ||
| Average total assets | $79,223,000 | 5,084 |
| Average earning assets | $74,704,000 | 5,023 |
| Average equity | $7,412,400 | 5,323 |
| Average total loans | $54,004,200 | 4,694 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 649 |
| Cost of funding earning assets | 0.6092% | 1,756 |
| Net interest margin | 4.4859% | 760 |
| Noninterest income to average assets | 0.1355% | 6,096 |
| Noninterest expense to average assets | 3.5098% | 1,442 |
| Loan and lease loss provision to assets | 0.7453% | 169 |
| Net operating income to assets | 0.0390% | 6,105 |
| Return on assets (ROA) | 0.0390% | 6,127 |
| Pretax return on assets | 0.0966% | 6,062 |
| Return on Equity (ROE) | 0.4214% | 6,115 |
| Retained earnings to average equity (ytd only) | -3.2426% | 6,158 |
| Net charge-offs to loans | 0.4599% | 849 |
| Credit loss provision to net charge-offs | 236.5591% | 1,106 |
| Earnings coverage of net charge-offs (x) | 2.6721% | 3,852 |
| Efficiency ratio | 80.6540% | 1,816 |
| Assets per employee ($millions) | 4.1279% | 3,605 |
| Cash dividends to net income (ytd only)* | 869.4490% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1519% | 1,019 |
| Loan loss allowance to noncurrent loans | 70.0177% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.4939% | 1,060 |
| Noncurrent loans to loans | 3.0733% | 858 |
| Net loans and leases to total assets | 68.6447% | 2,444 |
| Net loans and leases to deposits | 78.3565% | 2,909 |
| Net loans and leases to core deposits | 82.2105% | 3,086 |
| Total domestic deposits to total assets | 87.6055% | 1,976 |
| Equity capital to assets | 9.5486% | 4,733 |
| Core capital (leverage) ratio | 9.5545% | 4,300 |
| Tier 1 risk-based capital ratio | 13.5621% | 4,498 |
| Total risk-based capital ratio | 14.8231% | 4,435 |
| Memoranda: | ||
| Average total assets | $78,710,250 | 5,155 |
| Average earning assets | $73,978,000 | 5,098 |
| Average equity | $7,277,750 | 5,394 |
| Average total loans | $53,923,750 | 4,734 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 654 |
| Cost of funding earning assets | 0.6078% | 1,834 |
| Net interest margin | 4.4629% | 763 |
| Noninterest income to average assets | -0.1903% | 6,620 |
| Noninterest expense to average assets | 3.6267% | 1,249 |
| Loan and lease loss provision to assets | 1.0659% | 96 |
| Net operating income to assets | -0.7462% | 6,494 |
| Return on assets (ROA) | -0.7462% | 6,493 |
| Pretax return on assets | -0.6903% | 6,467 |
| Return on Equity (ROE) | -8.1584% | 6,493 |
| Retained earnings to average equity (ytd only) | -13.7083% | 6,475 |
| Net charge-offs to loans | 0.2651% | 1,491 |
| Credit loss provision to net charge-offs | 591.5493% | 514 |
| Earnings coverage of net charge-offs (x) | 2.0845% | 3,646 |
| Efficiency ratio | 90.6151% | 867 |
| Assets per employee ($millions) | 4.0932% | 3,660 |
| Cash dividends to net income (ytd only)* | -68.0272% | 6,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3472% | 853 |
| Loan loss allowance to noncurrent loans | 60.4541% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 2.8352% | 918 |
| Noncurrent loans to loans | 3.8825% | 625 |
| Net loans and leases to total assets | 68.3687% | 2,356 |
| Net loans and leases to deposits | 77.8070% | 2,825 |
| Net loans and leases to core deposits | 81.6383% | 3,013 |
| Total domestic deposits to total assets | 87.8695% | 1,986 |
| Equity capital to assets | 9.2734% | 5,007 |
| Core capital (leverage) ratio | 9.1387% | 4,829 |
| Tier 1 risk-based capital ratio | 12.5691% | 5,179 |
| Total risk-based capital ratio | 12.7307% | 5,763 |
| Memoranda: | ||
| Average total assets | $78,803,670 | 5,190 |
| Average earning assets | $74,032,330 | 5,138 |
| Average equity | $7,207,330 | 5,437 |
| Average total loans | $53,557,670 | 4,763 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 864 |
| Cost of funding earning assets | 0.6018% | 1,955 |
| Net interest margin | 4.3042% | 987 |
| Noninterest income to average assets | -1.2960% | 6,726 |
| Noninterest expense to average assets | 3.4897% | 1,508 |
| Loan and lease loss provision to assets | 0.4539% | 347 |
| Net operating income to assets | -1.2557% | 6,612 |
| Return on assets (ROA) | -1.2557% | 6,607 |
| Pretax return on assets | -1.2002% | 6,589 |
| Return on Equity (ROE) | -13.8237% | 6,598 |
| Retained earnings to average equity (ytd only) | -19.3754% | 6,522 |
| Net charge-offs to loans | 0.1958% | 1,557 |
| Credit loss provision to net charge-offs | 346.1538% | 720 |
| Earnings coverage of net charge-offs (x) | -5.6923% | 3,582 |
| Efficiency ratio | 127.2059% | 137 |
| Assets per employee ($millions) | 4.1814% | 3,567 |
| Cash dividends to net income (ytd only)* | -40.1606% | 6,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 1,788 |
| Loan loss allowance to noncurrent loans | 42.6244% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 2.9353% | 987 |
| Noncurrent loans to loans | 4.4316% | 554 |
| Net loans and leases to total assets | 64.9842% | 2,729 |
| Net loans and leases to deposits | 73.7153% | 3,105 |
| Net loans and leases to core deposits | 77.7729% | 3,227 |
| Total domestic deposits to total assets | 88.1556% | 2,140 |
| Equity capital to assets | 8.9985% | 5,117 |
| Core capital (leverage) ratio | 9.2904% | 4,590 |
| Tier 1 risk-based capital ratio | 13.2448% | 4,867 |
| Total risk-based capital ratio | 14.4906% | 4,803 |
| Memoranda: | ||
| Average total assets | $79,320,000 | 5,219 |
| Average earning assets | $74,439,000 | 5,164 |
| Average equity | $7,205,000 | 5,465 |
| Average total loans | $53,112,000 | 4,820 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 423 |
| Cost of funding earning assets | 0.7537% | 1,477 |
| Net interest margin | 4.6584% | 544 |
| Noninterest income to average assets | 1.2250% | 933 |
| Noninterest expense to average assets | 3.5932% | 1,462 |
| Loan and lease loss provision to assets | 0.6827% | 340 |
| Net operating income to assets | 1.2122% | 1,519 |
| Return on assets (ROA) | 1.2122% | 1,591 |
| Pretax return on assets | 1.2709% | 2,264 |
| Return on Equity (ROE) | 12.6437% | 1,244 |
| Retained earnings to average equity (ytd only) | 7.3201% | 1,305 |
| Net charge-offs to loans | 1.4324% | 339 |
| Credit loss provision to net charge-offs | 69.1214% | 3,330 |
| Earnings coverage of net charge-offs (x) | 1.9780% | 4,388 |
| Efficiency ratio | 64.7803% | 4,775 |
| Assets per employee ($millions) | 4.1681% | 3,504 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 2,282 |
| Loan loss allowance to noncurrent loans | 52.8709% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 1,605 |
| Noncurrent loans to loans | 3.2816% | 1,006 |
| Net loans and leases to total assets | 66.5109% | 2,612 |
| Net loans and leases to deposits | 75.5826% | 3,009 |
| Net loans and leases to core deposits | 79.4845% | 3,192 |
| Total domestic deposits to total assets | 87.9977% | 2,180 |
| Equity capital to assets | 9.1687% | 4,843 |
| Core capital (leverage) ratio | 9.7622% | 3,895 |
| Tier 1 risk-based capital ratio | 13.5462% | 4,620 |
| Total risk-based capital ratio | 14.7786% | 4,578 |
| Memoranda: | ||
| Average total assets | $78,369,600 | 5,273 |
| Average earning assets | $72,707,000 | 5,231 |
| Average equity | $7,513,600 | 5,456 |
| Average total loans | $54,035,000 | 4,808 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 477 |
| Cost of funding earning assets | 0.7969% | 1,345 |
| Net interest margin | 4.5645% | 659 |
| Noninterest income to average assets | 1.2964% | 883 |
| Noninterest expense to average assets | 3.5241% | 1,555 |
| Loan and lease loss provision to assets | 0.5288% | 509 |
| Net operating income to assets | 1.4158% | 1,068 |
| Return on assets (ROA) | 1.4158% | 1,119 |
| Pretax return on assets | 1.4738% | 1,691 |
| Return on Equity (ROE) | 14.6057% | 867 |
| Retained earnings to average equity (ytd only) | 7.5668% | 1,609 |
| Net charge-offs to loans | 1.1008% | 514 |
| Credit loss provision to net charge-offs | 69.3512% | 3,086 |
| Earnings coverage of net charge-offs (x) | 2.6264% | 3,960 |
| Efficiency ratio | 63.7654% | 4,840 |
| Assets per employee ($millions) | 4.1773% | 3,471 |
| Cash dividends to net income (ytd only)* | 48.1927% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 2,083 |
| Loan loss allowance to noncurrent loans | 38.0302% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 3.4157% | 1,004 |
| Noncurrent loans to loans | 4.9204% | 620 |
| Net loans and leases to total assets | 68.1198% | 2,275 |
| Net loans and leases to deposits | 77.5640% | 2,729 |
| Net loans and leases to core deposits | 82.2147% | 2,855 |
| Total domestic deposits to total assets | 87.8240% | 2,235 |
| Equity capital to assets | 9.2631% | 4,846 |
| Core capital (leverage) ratio | 9.6290% | 4,205 |
| Tier 1 risk-based capital ratio | 13.1545% | 5,013 |
| Total risk-based capital ratio | 14.4120% | 4,956 |
| Memoranda: | ||
| Average total assets | $78,163,750 | 5,334 |
| Average earning assets | $72,442,000 | 5,291 |
| Average equity | $7,576,750 | 5,498 |
| Average total loans | $54,143,250 | 4,850 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 426 |
| Cost of funding earning assets | 0.8529% | 1,125 |
| Net interest margin | 4.5749% | 625 |
| Noninterest income to average assets | 1.3374% | 872 |
| Noninterest expense to average assets | 3.5210% | 1,560 |
| Loan and lease loss provision to assets | 0.2186% | 1,738 |
| Net operating income to assets | 1.7464% | 577 |
| Return on assets (ROA) | 1.7464% | 625 |
| Pretax return on assets | 1.8055% | 917 |
| Return on Equity (ROE) | 17.7478% | 482 |
| Retained earnings to average equity (ytd only) | 9.9063% | 866 |
| Net charge-offs to loans | 1.3042% | 439 |
| Credit loss provision to net charge-offs | 24.2165% | 3,672 |
| Earnings coverage of net charge-offs (x) | 2.2422% | 3,776 |
| Efficiency ratio | 63.4972% | 4,933 |
| Assets per employee ($millions) | 4.0636% | 3,659 |
| Cash dividends to net income (ytd only)* | 44.1826% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 2,880 |
| Loan loss allowance to noncurrent loans | 62.7260% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.8625% | 2,323 |
| Noncurrent loans to loans | 2.6691% | 1,714 |
| Net loans and leases to total assets | 68.6121% | 2,123 |
| Net loans and leases to deposits | 79.6590% | 2,374 |
| Net loans and leases to core deposits | 84.7977% | 2,452 |
| Total domestic deposits to total assets | 86.1323% | 3,294 |
| Equity capital to assets | 9.6104% | 4,440 |
| Core capital (leverage) ratio | 9.5583% | 4,146 |
| Tier 1 risk-based capital ratio | 13.4712% | 4,787 |
| Total risk-based capital ratio | 14.7263% | 4,743 |
| Memoranda: | ||
| Average total assets | $77,762,000 | 5,374 |
| Average earning assets | $71,520,000 | 5,348 |
| Average equity | $7,651,670 | 5,525 |
| Average total loans | $53,825,330 | 4,890 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 555 |
| Cost of funding earning assets | 0.8637% | 1,186 |
| Net interest margin | 4.3828% | 827 |
| Noninterest income to average assets | 1.0508% | 1,341 |
| Noninterest expense to average assets | 3.5418% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6402% | 659 |
| Return on assets (ROA) | 1.6402% | 721 |
| Pretax return on assets | 1.6966% | 1,083 |
| Return on Equity (ROE) | 16.4789% | 554 |
| Retained earnings to average equity (ytd only) | 11.3293% | 812 |
| Net charge-offs to loans | 1.6580% | 308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4843% | 3,339 |
| Efficiency ratio | 67.6125% | 4,386 |
| Assets per employee ($millions) | 4.1892% | 3,557 |
| Cash dividends to net income (ytd only)* | 31.2500% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 2,664 |
| Loan loss allowance to noncurrent loans | 32.5293% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 3.6963% | 1,125 |
| Noncurrent loans to loans | 5.4933% | 655 |
| Net loans and leases to total assets | 65.1858% | 2,516 |
| Net loans and leases to deposits | 75.8073% | 2,665 |
| Net loans and leases to core deposits | 82.0274% | 2,566 |
| Total domestic deposits to total assets | 85.9889% | 3,529 |
| Equity capital to assets | 9.8739% | 4,311 |
| Core capital (leverage) ratio | 9.4369% | 4,186 |
| Tier 1 risk-based capital ratio | 13.4606% | 4,898 |
| Total risk-based capital ratio | 14.7162% | 4,859 |
| Memoranda: | ||
| Average total assets | $78,039,000 | 5,416 |
| Average earning assets | $74,564,500 | 5,305 |
| Average equity | $7,767,500 | 5,556 |
| Average total loans | $53,800,000 | 4,922 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8210% | 354 |
| Cost of funding earning assets | 1.1086% | 876 |
| Net interest margin | 4.7125% | 638 |
| Noninterest income to average assets | 0.8802% | 1,931 |
| Noninterest expense to average assets | 3.6784% | 1,458 |
| Loan and lease loss provision to assets | 0.3320% | 2,048 |
| Net operating income to assets | 1.2448% | 1,460 |
| Return on assets (ROA) | 1.2448% | 1,620 |
| Pretax return on assets | 1.3034% | 2,383 |
| Return on Equity (ROE) | 13.0103% | 1,219 |
| Retained earnings to average equity (ytd only) | 6.7501% | 1,694 |
| Net charge-offs to loans | 1.1608% | 885 |
| Credit loss provision to net charge-offs | 39.1705% | 4,946 |
| Earnings coverage of net charge-offs (x) | 1.9293% | 4,457 |
| Efficiency ratio | 69.2232% | 3,937 |
| Assets per employee ($millions) | 3.8242% | 4,318 |
| Cash dividends to net income (ytd only)* | 48.1172% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1325% | 1,682 |
| Loan loss allowance to noncurrent loans | 41.8788% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 3.6465% | 1,218 |
| Noncurrent loans to loans | 5.0920% | 775 |
| Net loans and leases to total assets | 70.0852% | 1,826 |
| Net loans and leases to deposits | 81.7583% | 2,030 |
| Net loans and leases to core deposits | 86.2702% | 2,280 |
| Total domestic deposits to total assets | 85.7225% | 3,502 |
| Equity capital to assets | 10.0361% | 4,119 |
| Core capital (leverage) ratio | 9.2072% | 4,571 |
| Tier 1 risk-based capital ratio | 13.0188% | 5,092 |
| Total risk-based capital ratio | 14.2795% | 5,025 |
| Memoranda: | ||
| Average total assets | $76,800,400 | 5,440 |
| Average earning assets | $72,255,200 | 5,357 |
| Average equity | $7,348,000 | 5,681 |
| Average total loans | $56,082,600 | 4,861 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8373% | 377 |
| Cost of funding earning assets | 1.1641% | 818 |
| Net interest margin | 4.6732% | 710 |
| Noninterest income to average assets | 0.8376% | 2,084 |
| Noninterest expense to average assets | 3.6506% | 1,454 |
| Loan and lease loss provision to assets | 0.3642% | 1,786 |
| Net operating income to assets | 1.1568% | 1,878 |
| Return on assets (ROA) | 1.1568% | 2,074 |
| Pretax return on assets | 1.2157% | 2,933 |
| Return on Equity (ROE) | 12.2393% | 1,555 |
| Retained earnings to average equity (ytd only) | 3.7984% | 4,221 |
| Net charge-offs to loans | 1.4111% | 635 |
| Credit loss provision to net charge-offs | 35.1759% | 4,713 |
| Earnings coverage of net charge-offs (x) | 1.5260% | 4,516 |
| Efficiency ratio | 69.7944% | 3,731 |
| Assets per employee ($millions) | 3.7889% | 4,330 |
| Cash dividends to net income (ytd only)* | 68.9658% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0598% | 2,010 |
| Loan loss allowance to noncurrent loans | 46.6878% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 3.3269% | 1,527 |
| Noncurrent loans to loans | 4.4118% | 1,083 |
| Net loans and leases to total assets | 73.8549% | 1,268 |
| Net loans and leases to deposits | 86.0074% | 1,600 |
| Net loans and leases to core deposits | 90.9039% | 1,880 |
| Total domestic deposits to total assets | 85.8704% | 3,322 |
| Equity capital to assets | 9.8064% | 4,771 |
| Core capital (leverage) ratio | 8.8203% | 5,311 |
| Tier 1 risk-based capital ratio | 12.2162% | 5,825 |
| Total risk-based capital ratio | 13.4737% | 5,794 |
| Memoranda: | ||
| Average total assets | $76,879,500 | 5,493 |
| Average earning assets | $72,268,500 | 5,418 |
| Average equity | $7,266,000 | 5,754 |
| Average total loans | $56,410,250 | 4,907 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9671% | 309 |
| Cost of funding earning assets | 1.2507% | 643 |
| Net interest margin | 4.7164% | 650 |
| Noninterest income to average assets | 0.6033% | 3,240 |
| Noninterest expense to average assets | 3.4823% | 1,823 |
| Loan and lease loss provision to assets | 0.4143% | 1,586 |
| Net operating income to assets | 1.0797% | 2,127 |
| Return on assets (ROA) | 1.0797% | 2,344 |
| Pretax return on assets | 1.1392% | 3,153 |
| Return on Equity (ROE) | 11.5657% | 1,808 |
| Retained earnings to average equity (ytd only) | 4.3545% | 3,714 |
| Net charge-offs to loans | 0.5448% | 1,958 |
| Credit loss provision to net charge-offs | 104.5752% | 2,601 |
| Earnings coverage of net charge-offs (x) | 3.9216% | 3,232 |
| Efficiency ratio | 69.1517% | 3,905 |
| Assets per employee ($millions) | 3.8477% | 4,202 |
| Cash dividends to net income (ytd only)* | 62.3501% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7564% | 986 |
| Loan loss allowance to noncurrent loans | 58.0836% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.7750% | 1,373 |
| Noncurrent loans to loans | 4.7456% | 1,077 |
| Net loans and leases to total assets | 71.9764% | 1,557 |
| Net loans and leases to deposits | 83.5062% | 1,914 |
| Net loans and leases to core deposits | 87.4635% | 2,260 |
| Total domestic deposits to total assets | 86.1929% | 3,255 |
| Equity capital to assets | 9.6215% | 4,886 |
| Core capital (leverage) ratio | 8.6992% | 5,383 |
| Tier 1 risk-based capital ratio | 12.1868% | 5,805 |
| Total risk-based capital ratio | 13.4557% | 5,776 |
| Memoranda: | ||
| Average total assets | $77,247,000 | 5,516 |
| Average earning assets | $72,598,330 | 5,444 |
| Average equity | $7,211,000 | 5,784 |
| Average total loans | $56,166,330 | 4,950 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0189% | 299 |
| Cost of funding earning assets | 1.3173% | 587 |
| Net interest margin | 4.7016% | 681 |
| Noninterest income to average assets | 0.4238% | 4,488 |
| Noninterest expense to average assets | 3.4525% | 1,868 |
| Loan and lease loss provision to assets | 0.2584% | 2,389 |
| Net operating income to assets | 1.0647% | 2,229 |
| Return on assets (ROA) | 1.0647% | 2,424 |
| Pretax return on assets | 1.1215% | 3,235 |
| Return on Equity (ROE) | 11.5820% | 1,815 |
| Retained earnings to average equity (ytd only) | 5.9597% | 2,983 |
| Net charge-offs to loans | 0.2080% | 2,882 |
| Credit loss provision to net charge-offs | 172.4138% | 1,480 |
| Earnings coverage of net charge-offs (x) | 9.2069% | 1,870 |
| Efficiency ratio | 71.4439% | 3,543 |
| Assets per employee ($millions) | 3.9605% | 4,095 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8475% | 961 |
| Loan loss allowance to noncurrent loans | 126.0143% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.8925% | 3,054 |
| Noncurrent loans to loans | 2.2597% | 2,850 |
| Net loans and leases to total assets | 68.2296% | 2,067 |
| Net loans and leases to deposits | 78.4713% | 2,423 |
| Net loans and leases to core deposits | 82.8324% | 2,709 |
| Total domestic deposits to total assets | 86.9485% | 2,982 |
| Equity capital to assets | 9.0002% | 5,489 |
| Core capital (leverage) ratio | 8.6029% | 5,438 |
| Tier 1 risk-based capital ratio | 12.2640% | 5,783 |
| Total risk-based capital ratio | 13.5325% | 5,734 |
| Memoranda: | ||
| Average total assets | $77,394,000 | 5,548 |
| Average earning assets | $72,571,000 | 5,479 |
| Average equity | $7,114,500 | 5,837 |
| Average total loans | $55,770,500 | 4,988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2093% | 297 |
| Cost of funding earning assets | 1.4575% | 843 |
| Net interest margin | 4.7518% | 685 |
| Noninterest income to average assets | 1.0497% | 1,218 |
| Noninterest expense to average assets | 3.6409% | 1,660 |
| Loan and lease loss provision to assets | 1.1275% | 805 |
| Net operating income to assets | 0.7253% | 3,358 |
| Return on assets (ROA) | 0.7253% | 3,538 |
| Pretax return on assets | 0.7741% | 4,071 |
| Return on Equity (ROE) | 7.9347% | 2,943 |
| Retained earnings to average equity (ytd only) | 2.1929% | 4,649 |
| Net charge-offs to loans | 0.1226% | 5,162 |
| Credit loss provision to net charge-offs | 1,204.2254% | 176 |
| Earnings coverage of net charge-offs (x) | 20.3099% | 1,138 |
| Efficiency ratio | 65.6912% | 4,832 |
| Assets per employee ($millions) | 3.5990% | 4,773 |
| Cash dividends to net income (ytd only)* | 72.3636% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7990% | 982 |
| Loan loss allowance to noncurrent loans | 175.6453% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 1.5229% | 3,672 |
| Noncurrent loans to loans | 1.5935% | 3,770 |
| Net loans and leases to total assets | 71.9089% | 1,662 |
| Net loans and leases to deposits | 83.2346% | 2,034 |
| Net loans and leases to core deposits | 87.5761% | 2,421 |
| Total domestic deposits to total assets | 86.3930% | 3,082 |
| Equity capital to assets | 9.3941% | 5,028 |
| Core capital (leverage) ratio | 8.7564% | 5,161 |
| Tier 1 risk-based capital ratio | 12.1431% | 5,734 |
| Total risk-based capital ratio | 13.4134% | 5,690 |
| Memoranda: | ||
| Average total assets | $75,832,800 | 5,573 |
| Average earning assets | $71,698,600 | 5,478 |
| Average equity | $6,931,600 | 5,881 |
| Average total loans | $57,924,200 | 4,954 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1969% | 327 |
| Cost of funding earning assets | 1.4843% | 921 |
| Net interest margin | 4.7126% | 743 |
| Noninterest income to average assets | 1.0945% | 1,114 |
| Noninterest expense to average assets | 3.6452% | 1,616 |
| Loan and lease loss provision to assets | 0.4919% | 2,020 |
| Net operating income to assets | 1.3474% | 1,274 |
| Return on assets (ROA) | 1.3474% | 1,363 |
| Pretax return on assets | 1.4195% | 1,884 |
| Return on Equity (ROE) | 14.8435% | 859 |
| Retained earnings to average equity (ytd only) | 7.1412% | 1,890 |
| Net charge-offs to loans | 0.0639% | 5,327 |
| Credit loss provision to net charge-offs | 1,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 38.8596% | 787 |
| Efficiency ratio | 65.6023% | 4,789 |
| Assets per employee ($millions) | 3.5966% | 4,770 |
| Cash dividends to net income (ytd only)* | 51.8902% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 2,990 |
| Loan loss allowance to noncurrent loans | 113.7817% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4008% | 4,030 |
| Noncurrent loans to loans | 1.5707% | 3,942 |
| Net loans and leases to total assets | 75.0890% | 1,127 |
| Net loans and leases to deposits | 87.3585% | 1,514 |
| Net loans and leases to core deposits | 92.2134% | 1,978 |
| Total domestic deposits to total assets | 85.9551% | 3,236 |
| Equity capital to assets | 9.7393% | 4,722 |
| Core capital (leverage) ratio | 9.0813% | 4,810 |
| Tier 1 risk-based capital ratio | 12.2529% | 5,700 |
| Total risk-based capital ratio | 13.4713% | 5,714 |
| Memoranda: | ||
| Average total assets | $75,896,250 | 5,616 |
| Average earning assets | $71,861,500 | 5,519 |
| Average equity | $6,889,500 | 5,935 |
| Average total loans | $58,427,000 | 4,972 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2911% | 281 |
| Cost of funding earning assets | 1.4835% | 1,058 |
| Net interest margin | 4.8076% | 596 |
| Noninterest income to average assets | 1.0497% | 1,193 |
| Noninterest expense to average assets | 3.6702% | 1,582 |
| Loan and lease loss provision to assets | 0.2762% | 3,168 |
| Net operating income to assets | 1.5601% | 791 |
| Return on assets (ROA) | 1.5601% | 842 |
| Pretax return on assets | 1.6391% | 1,183 |
| Return on Equity (ROE) | 17.6121% | 498 |
| Retained earnings to average equity (ytd only) | 8.7615% | 1,190 |
| Net charge-offs to loans | 0.0648% | 4,991 |
| Credit loss provision to net charge-offs | 552.6316% | 558 |
| Earnings coverage of net charge-offs (x) | 38.3158% | 765 |
| Efficiency ratio | 65.7089% | 4,930 |
| Assets per employee ($millions) | 3.5910% | 4,708 |
| Cash dividends to net income (ytd only)* | 50.2530% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 4,114 |
| Loan loss allowance to noncurrent loans | 55.1176% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 2.3127% | 2,847 |
| Noncurrent loans to loans | 2.7264% | 2,669 |
| Net loans and leases to total assets | 75.3600% | 1,177 |
| Net loans and leases to deposits | 87.1744% | 1,630 |
| Net loans and leases to core deposits | 92.4545% | 2,078 |
| Total domestic deposits to total assets | 86.4474% | 3,075 |
| Equity capital to assets | 9.2786% | 5,173 |
| Core capital (leverage) ratio | 8.9137% | 4,858 |
| Tier 1 risk-based capital ratio | 12.1027% | 5,710 |
| Total risk-based capital ratio | 13.3566% | 5,673 |
| Memoranda: | ||
| Average total assets | $76,018,670 | 5,653 |
| Average earning assets | $71,720,330 | 5,563 |
| Average equity | $6,734,000 | 6,008 |
| Average total loans | $58,654,000 | 5,024 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3705% | 252 |
| Cost of funding earning assets | 1.5078% | 1,136 |
| Net interest margin | 4.8627% | 502 |
| Noninterest income to average assets | 0.9696% | 1,410 |
| Noninterest expense to average assets | 3.6319% | 1,698 |
| Loan and lease loss provision to assets | 0.1834% | 3,778 |
| Net operating income to assets | 1.6352% | 642 |
| Return on assets (ROA) | 1.6352% | 680 |
| Pretax return on assets | 1.7347% | 919 |
| Return on Equity (ROE) | 18.9019% | 404 |
| Retained earnings to average equity (ytd only) | 12.9648% | 594 |
| Net charge-offs to loans | 0.0879% | 4,071 |
| Credit loss provision to net charge-offs | 269.2308% | 1,164 |
| Earnings coverage of net charge-offs (x) | 28.1538% | 869 |
| Efficiency ratio | 65.4391% | 5,133 |
| Assets per employee ($millions) | 3.6391% | 4,675 |
| Cash dividends to net income (ytd only)* | 31.4103% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 4,812 |
| Loan loss allowance to noncurrent loans | 71.2889% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.5244% | 3,966 |
| Noncurrent loans to loans | 1.9210% | 3,672 |
| Net loans and leases to total assets | 75.5803% | 1,096 |
| Net loans and leases to deposits | 86.8036% | 1,605 |
| Net loans and leases to core deposits | 89.8960% | 2,363 |
| Total domestic deposits to total assets | 87.0705% | 2,910 |
| Equity capital to assets | 8.7488% | 5,577 |
| Core capital (leverage) ratio | 8.7731% | 4,965 |
| Tier 1 risk-based capital ratio | 11.7860% | 5,866 |
| Total risk-based capital ratio | 12.9973% | 5,904 |
| Memoranda: | ||
| Average total assets | $76,323,000 | 5,696 |
| Average earning assets | $71,894,000 | 5,608 |
| Average equity | $6,602,500 | 6,058 |
| Average total loans | $59,133,000 | 5,046 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7652% | 212 |
| Cost of funding earning assets | 1.8286% | 1,062 |
| Net interest margin | 4.9366% | 500 |
| Noninterest income to average assets | 0.8600% | 2,014 |
| Noninterest expense to average assets | 3.8121% | 1,465 |
| Loan and lease loss provision to assets | 0.4102% | 3,647 |
| Net operating income to assets | 1.2046% | 1,404 |
| Return on assets (ROA) | 1.2046% | 1,482 |
| Pretax return on assets | 1.2593% | 2,047 |
| Return on Equity (ROE) | 13.9416% | 891 |
| Retained earnings to average equity (ytd only) | 7.8649% | 1,023 |
| Net charge-offs to loans | 0.4781% | 3,711 |
| Credit loss provision to net charge-offs | 103.0928% | 4,381 |
| Earnings coverage of net charge-offs (x) | 4.1959% | 3,023 |
| Efficiency ratio | 69.5435% | 4,274 |
| Assets per employee ($millions) | 3.8112% | 4,227 |
| Cash dividends to net income (ytd only)* | 43.5868% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,974 |
| Loan loss allowance to noncurrent loans | 60.8899% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.7658% | 3,662 |
| Noncurrent loans to loans | 2.1456% | 3,372 |
| Net loans and leases to total assets | 77.3037% | 1,049 |
| Net loans and leases to deposits | 88.5396% | 1,715 |
| Net loans and leases to core deposits | 93.6134% | 2,309 |
| Total domestic deposits to total assets | 87.3098% | 2,660 |
| Equity capital to assets | 8.5524% | 5,792 |
| Core capital (leverage) ratio | 8.7733% | 4,896 |
| Tier 1 risk-based capital ratio | 11.2072% | 6,177 |
| Total risk-based capital ratio | 12.4587% | 6,154 |
| Memoranda: | ||
| Average total assets | $73,136,200 | 5,781 |
| Average earning assets | $68,467,800 | 5,718 |
| Average equity | $6,319,200 | 6,266 |
| Average total loans | $60,866,600 | 5,035 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8605% | 182 |
| Cost of funding earning assets | 1.8757% | 1,110 |
| Net interest margin | 4.9848% | 455 |
| Noninterest income to average assets | 0.9176% | 1,734 |
| Noninterest expense to average assets | 3.7550% | 1,468 |
| Loan and lease loss provision to assets | 0.4146% | 3,418 |
| Net operating income to assets | 1.3966% | 1,108 |
| Return on assets (ROA) | 1.3966% | 1,185 |
| Pretax return on assets | 1.4095% | 1,854 |
| Return on Equity (ROE) | 16.1206% | 688 |
| Retained earnings to average equity (ytd only) | 7.9539% | 1,436 |
| Net charge-offs to loans | 0.4993% | 3,281 |
| Credit loss provision to net charge-offs | 98.2533% | 4,431 |
| Earnings coverage of net charge-offs (x) | 4.3231% | 3,102 |
| Efficiency ratio | 67.3052% | 4,609 |
| Assets per employee ($millions) | 3.7481% | 4,395 |
| Cash dividends to net income (ytd only)* | 50.6600% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,224 |
| Loan loss allowance to noncurrent loans | 51.8619% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3705% | 3,007 |
| Noncurrent loans to loans | 2.4117% | 3,223 |
| Net loans and leases to total assets | 80.6755% | 647 |
| Net loans and leases to deposits | 92.8814% | 1,344 |
| Net loans and leases to core deposits | 96.5700% | 2,193 |
| Total domestic deposits to total assets | 86.8587% | 2,607 |
| Equity capital to assets | 8.7671% | 5,908 |
| Core capital (leverage) ratio | 8.7622% | 5,081 |
| Tier 1 risk-based capital ratio | 10.8610% | 6,499 |
| Total risk-based capital ratio | 12.1018% | 6,483 |
| Memoranda: | ||
| Average total assets | $72,364,250 | 5,868 |
| Average earning assets | $67,670,250 | 5,807 |
| Average equity | $6,269,250 | 6,368 |
| Average total loans | $61,157,250 | 5,093 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8950% | 179 |
| Cost of funding earning assets | 1.9247% | 1,132 |
| Net interest margin | 4.9703% | 450 |
| Noninterest income to average assets | 1.1077% | 1,075 |
| Noninterest expense to average assets | 3.7651% | 1,427 |
| Loan and lease loss provision to assets | 0.4895% | 2,850 |
| Net operating income to assets | 1.5049% | 909 |
| Return on assets (ROA) | 1.5049% | 970 |
| Pretax return on assets | 1.5049% | 1,549 |
| Return on Equity (ROE) | 17.4439% | 523 |
| Retained earnings to average equity (ytd only) | 8.1708% | 1,387 |
| Net charge-offs to loans | 0.4711% | 3,122 |
| Credit loss provision to net charge-offs | 121.5278% | 3,335 |
| Earnings coverage of net charge-offs (x) | 4.9514% | 2,798 |
| Efficiency ratio | 65.3715% | 5,089 |
| Assets per employee ($millions) | 3.3284% | 5,365 |
| Cash dividends to net income (ytd only)* | 53.1599% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,910 |
| Loan loss allowance to noncurrent loans | 63.0503% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2970% | 3,132 |
| Noncurrent loans to loans | 2.0644% | 3,639 |
| Net loans and leases to total assets | 83.0495% | 434 |
| Net loans and leases to deposits | 95.5834% | 1,085 |
| Net loans and leases to core deposits | 98.9103% | 2,127 |
| Total domestic deposits to total assets | 86.8870% | 2,594 |
| Equity capital to assets | 8.7101% | 5,870 |
| Core capital (leverage) ratio | 8.6868% | 5,099 |
| Tier 1 risk-based capital ratio | 10.6838% | 6,540 |
| Total risk-based capital ratio | 11.9028% | 6,559 |
| Memoranda: | ||
| Average total assets | $71,498,330 | 5,934 |
| Average earning assets | $66,918,000 | 5,867 |
| Average equity | $6,168,330 | 6,416 |
| Average total loans | $61,129,000 | 5,131 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9238% | 191 |
| Cost of funding earning assets | 1.9860% | 1,143 |
| Net interest margin | 4.9378% | 476 |
| Noninterest income to average assets | 1.1156% | 1,010 |
| Noninterest expense to average assets | 4.0546% | 952 |
| Loan and lease loss provision to assets | 0.2831% | 3,761 |
| Net operating income to assets | 1.4101% | 1,051 |
| Return on assets (ROA) | 1.4101% | 1,122 |
| Pretax return on assets | 1.4101% | 1,742 |
| Return on Equity (ROE) | 16.4262% | 665 |
| Retained earnings to average equity (ytd only) | 10.4230% | 1,063 |
| Net charge-offs to loans | 1.0643% | 1,568 |
| Credit loss provision to net charge-offs | 30.8642% | 4,800 |
| Earnings coverage of net charge-offs (x) | 1.8457% | 3,629 |
| Efficiency ratio | 70.5419% | 4,208 |
| Assets per employee ($millions) | 3.1689% | 5,837 |
| Cash dividends to net income (ytd only)* | 36.5462% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 6,096 |
| Loan loss allowance to noncurrent loans | 44.6404% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 2.1143% | 3,366 |
| Noncurrent loans to loans | 2.4235% | 3,251 |
| Net loans and leases to total assets | 86.2987% | 198 |
| Net loans and leases to deposits | 101.4091% | 670 |
| Net loans and leases to core deposits | 109.7222% | 1,293 |
| Total domestic deposits to total assets | 85.0995% | 3,612 |
| Equity capital to assets | 8.8143% | 5,525 |
| Core capital (leverage) ratio | 8.6242% | 5,165 |
| Tier 1 risk-based capital ratio | 10.7891% | 6,355 |
| Total risk-based capital ratio | 11.9358% | 6,445 |
| Memoranda: | ||
| Average total assets | $70,635,000 | 6,028 |
| Average earning assets | $66,264,500 | 5,959 |
| Average equity | $6,063,500 | 6,495 |
| Average total loans | $60,886,000 | 5,212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1358% | 231 |
| Cost of funding earning assets | 2.5326% | 941 |
| Net interest margin | 4.6032% | 979 |
| Noninterest income to average assets | 0.7702% | 2,556 |
| Noninterest expense to average assets | 3.6398% | 2,058 |
| Loan and lease loss provision to assets | 0.4277% | 4,263 |
| Net operating income to assets | 0.9896% | 1,871 |
| Return on assets (ROA) | 0.9896% | 1,922 |
| Pretax return on assets | 1.0064% | 2,569 |
| Return on Equity (ROE) | 11.9252% | 1,182 |
| Retained earnings to average equity (ytd only) | 3.9077% | 2,479 |
| Net charge-offs to loans | 0.4893% | 3,814 |
| Credit loss provision to net charge-offs | 104.4369% | 5,296 |
| Earnings coverage of net charge-offs (x) | 3.5017% | 3,315 |
| Efficiency ratio | 71.7355% | 4,314 |
| Assets per employee ($millions) | 3.2525% | 5,604 |
| Cash dividends to net income (ytd only)* | 67.2316% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,964 |
| Loan loss allowance to noncurrent loans | 53.1724% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 2.0264% | 3,368 |
| Noncurrent loans to loans | 2.3790% | 3,191 |
| Net loans and leases to total assets | 84.1029% | 421 |
| Net loans and leases to deposits | 101.2688% | 802 |
| Net loans and leases to core deposits | 139.7205% | 823 |
| Total domestic deposits to total assets | 83.0492% | 4,501 |
| Equity capital to assets | 8.3601% | 6,113 |
| Core capital (leverage) ratio | 8.3076% | 5,598 |
| Tier 1 risk-based capital ratio | 10.4644% | 6,439 |
| Total risk-based capital ratio | 11.7152% | 6,402 |
| Memoranda: | ||
| Average total assets | $71,542,400 | 5,956 |
| Average earning assets | $66,888,400 | 5,897 |
| Average equity | $5,937,000 | 6,625 |
| Average total loans | $59,877,200 | 5,258 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1184% | 253 |
| Cost of funding earning assets | 2.6666% | 870 |
| Net interest margin | 4.4517% | 1,310 |
| Noninterest income to average assets | 0.9524% | 1,771 |
| Noninterest expense to average assets | 3.6492% | 1,925 |
| Loan and lease loss provision to assets | 0.1957% | 5,430 |
| Net operating income to assets | 1.1965% | 1,475 |
| Return on assets (ROA) | 1.1965% | 1,534 |
| Pretax return on assets | 1.2673% | 2,052 |
| Return on Equity (ROE) | 14.4451% | 848 |
| Retained earnings to average equity (ytd only) | 3.7351% | 3,200 |
| Net charge-offs to loans | 0.1991% | 4,820 |
| Credit loss provision to net charge-offs | 117.9775% | 4,307 |
| Earnings coverage of net charge-offs (x) | 8.8205% | 2,194 |
| Efficiency ratio | 71.3817% | 4,350 |
| Assets per employee ($millions) | 3.2635% | 5,486 |
| Cash dividends to net income (ytd only)* | 74.1431% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 4,649 |
| Loan loss allowance to noncurrent loans | 77.3774% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.9402% | 3,433 |
| Noncurrent loans to loans | 1.6478% | 4,171 |
| Net loans and leases to total assets | 83.3630% | 626 |
| Net loans and leases to deposits | 100.8764% | 1,028 |
| Net loans and leases to core deposits | 139.1736% | 956 |
| Total domestic deposits to total assets | 82.6388% | 4,378 |
| Equity capital to assets | 8.3888% | 6,402 |
| Core capital (leverage) ratio | 8.2442% | 5,930 |
| Tier 1 risk-based capital ratio | 10.4042% | 6,567 |
| Total risk-based capital ratio | 11.6578% | 6,508 |
| Memoranda: | ||
| Average total assets | $71,539,500 | 5,997 |
| Average earning assets | $66,849,000 | 5,942 |
| Average equity | $5,925,750 | 6,687 |
| Average total loans | $59,609,000 | 5,305 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0594% | 285 |
| Cost of funding earning assets | 2.7115% | 1,001 |
| Net interest margin | 4.3479% | 1,530 |
| Noninterest income to average assets | 0.9181% | 1,907 |
| Noninterest expense to average assets | 3.7843% | 1,684 |
| Loan and lease loss provision to assets | 0.1679% | 5,383 |
| Net operating income to assets | 0.9461% | 2,294 |
| Return on assets (ROA) | 0.9461% | 2,388 |
| Pretax return on assets | 1.0188% | 2,934 |
| Return on Equity (ROE) | 11.4706% | 1,569 |
| Retained earnings to average equity (ytd only) | -0.2376% | 5,284 |
| Net charge-offs to loans | 0.1721% | 4,506 |
| Credit loss provision to net charge-offs | 117.6471% | 3,950 |
| Earnings coverage of net charge-offs (x) | 8.3137% | 2,281 |
| Efficiency ratio | 76.1261% | 3,667 |
| Assets per employee ($millions) | 3.3080% | 5,298 |
| Cash dividends to net income (ytd only)* | 102.0710% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 4,407 |
| Loan loss allowance to noncurrent loans | 120.7874% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5676% | 3,877 |
| Noncurrent loans to loans | 1.0581% | 5,098 |
| Net loans and leases to total assets | 85.2841% | 464 |
| Net loans and leases to deposits | 103.4847% | 948 |
| Net loans and leases to core deposits | 135.6023% | 1,236 |
| Total domestic deposits to total assets | 82.4123% | 4,518 |
| Equity capital to assets | 8.3634% | 6,251 |
| Core capital (leverage) ratio | 7.9810% | 6,368 |
| Tier 1 risk-based capital ratio | 10.2484% | 6,655 |
| Total risk-based capital ratio | 11.4991% | 6,579 |
| Memoranda: | ||
| Average total assets | $71,453,330 | 6,045 |
| Average earning assets | $66,606,330 | 5,987 |
| Average equity | $5,893,330 | 6,764 |
| Average total loans | $59,270,000 | 5,369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9969% | 341 |
| Cost of funding earning assets | 2.7644% | 1,074 |
| Net interest margin | 4.2325% | 1,794 |
| Noninterest income to average assets | 0.8503% | 2,078 |
| Noninterest expense to average assets | 3.5116% | 2,071 |
| Loan and lease loss provision to assets | 0.1656% | 4,811 |
| Net operating income to assets | 1.1098% | 1,923 |
| Return on assets (ROA) | 1.1098% | 2,051 |
| Pretax return on assets | 1.1208% | 2,905 |
| Return on Equity (ROE) | 13.5468% | 1,258 |
| Retained earnings to average equity (ytd only) | 5.7961% | 2,729 |
| Net charge-offs to loans | 0.0679% | 4,521 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 23.3000% | 1,281 |
| Efficiency ratio | 73.1876% | 3,976 |
| Assets per employee ($millions) | 3.6385% | 4,484 |
| Cash dividends to net income (ytd only)* | 57.2139% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 3,973 |
| Loan loss allowance to noncurrent loans | 77.0297% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 2.0737% | 2,784 |
| Noncurrent loans to loans | 1.7113% | 3,692 |
| Net loans and leases to total assets | 80.0382% | 1,384 |
| Net loans and leases to deposits | 96.3092% | 1,898 |
| Net loans and leases to core deposits | 130.7744% | 1,610 |
| Total domestic deposits to total assets | 83.1054% | 4,090 |
| Equity capital to assets | 8.1724% | 6,566 |
| Core capital (leverage) ratio | 8.0343% | 6,403 |
| Tier 1 risk-based capital ratio | 10.3996% | 6,495 |
| Total risk-based capital ratio | 11.6503% | 6,404 |
| Memoranda: | ||
| Average total assets | $72,445,500 | 6,051 |
| Average earning assets | $67,572,500 | 5,991 |
| Average equity | $5,935,000 | 6,796 |
| Average total loans | $58,898,500 | 5,408 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0424% | 183 |
| Cost of funding earning assets | 3.0481% | 1,690 |
| Net interest margin | 4.9944% | 515 |
| Noninterest income to average assets | 1.2297% | 984 |
| Noninterest expense to average assets | 3.9373% | 1,506 |
| Loan and lease loss provision to assets | 0.2602% | 4,322 |
| Net operating income to assets | 1.6088% | 824 |
| Return on assets (ROA) | 1.6088% | 785 |
| Pretax return on assets | 1.6832% | 1,182 |
| Return on Equity (ROE) | 19.4339% | 420 |
| Retained earnings to average equity (ytd only) | 12.6087% | 190 |
| Net charge-offs to loans | 0.2190% | 4,038 |
| Credit loss provision to net charge-offs | 143.4426% | 3,685 |
| Earnings coverage of net charge-offs (x) | 10.7131% | 2,469 |
| Efficiency ratio | 66.9532% | 4,914 |
| Assets per employee ($millions) | 3.6061% | 4,397 |
| Cash dividends to net income (ytd only)* | 35.1201% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 3,857 |
| Loan loss allowance to noncurrent loans | 128.2572% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 3,091 |
| Noncurrent loans to loans | 1.0055% | 4,579 |
| Net loans and leases to total assets | 80.4442% | 1,561 |
| Net loans and leases to deposits | 96.8209% | 2,311 |
| Net loans and leases to core deposits | 130.4537% | 1,822 |
| Total domestic deposits to total assets | 83.0856% | 3,730 |
| Equity capital to assets | 8.2125% | 6,534 |
| Core capital (leverage) ratio | 8.4908% | 5,595 |
| Tier 1 risk-based capital ratio | 10.4030% | 6,310 |
| Total risk-based capital ratio | 11.6547% | 6,183 |
| Memoranda: | ||
| Average total assets | $67,253,600 | 6,115 |
| Average earning assets | $62,630,200 | 6,069 |
| Average equity | $5,567,600 | 6,960 |
| Average total loans | $55,702,800 | 5,462 |