Home > Border Bank > Performance and Condition Ratios
Border Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 2,263 |
| Cost of funding earning assets | 1.7912% | 1,264 |
| Net interest margin | 3.1137% | 3,068 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.9884% | 1,144 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5119% | 3,644 |
| Return on assets (ROA) | 0.5010% | 3,665 |
| Pretax return on assets | 0.4999% | 3,809 |
| Return on Equity (ROE) | 6.0900% | 3,500 |
| Retained earnings to average equity (ytd only) | 1.4359% | 3,728 |
| Net charge-offs to loans | -0.0037% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.5060% | 751 |
| Assets per employee ($millions) | 5.8961% | 2,902 |
| Cash dividends to net income (ytd only)* | 76.4254% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,338 |
| Loan loss allowance to noncurrent loans | 366.8495% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,833 |
| Noncurrent loans to loans | 0.3253% | 2,016 |
| Net loans and leases to total assets | 82.6900% | 373 |
| Net loans and leases to deposits | 93.1977% | 1,001 |
| Net loans and leases to core deposits | 105.0225% | 1,166 |
| Total domestic deposits to total assets | 88.7300% | 1,147 |
| Equity capital to assets | 8.3313% | 3,169 |
| Core capital (leverage) ratio | 8.7314% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3057% | 2,759 |
| Memoranda: | ||
| Average total assets | $910,130,200 | 1,072 |
| Average earning assets | $846,762,400 | 1,061 |
| Average equity | $74,865,000 | 1,184 |
| Average total loans | $755,181,400 | 904 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 2,290 |
| Cost of funding earning assets | 1.6428% | 1,297 |
| Net interest margin | 3.1475% | 3,033 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.9939% | 1,079 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5500% | 3,663 |
| Return on assets (ROA) | 0.5336% | 3,679 |
| Pretax return on assets | 0.5321% | 3,857 |
| Return on Equity (ROE) | 6.5100% | 3,544 |
| Retained earnings to average equity (ytd only) | 1.8274% | 3,761 |
| Net charge-offs to loans | 0.0011% | 2,588 |
| Credit loss provision to net charge-offs | 7,116.6667% | 75 |
| Earnings coverage of net charge-offs (x) | 690.5000% | 230 |
| Efficiency ratio | 81.2863% | 782 |
| Assets per employee ($millions) | 5.8787% | 2,856 |
| Cash dividends to net income (ytd only)* | 71.9225% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,371 |
| Loan loss allowance to noncurrent loans | 354.2727% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 1,847 |
| Noncurrent loans to loans | 0.3384% | 2,021 |
| Net loans and leases to total assets | 82.7600% | 378 |
| Net loans and leases to deposits | 94.3351% | 871 |
| Net loans and leases to core deposits | 107.4224% | 959 |
| Total domestic deposits to total assets | 87.7300% | 1,657 |
| Equity capital to assets | 7.8285% | 3,162 |
| Core capital (leverage) ratio | 8.5235% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9915% | 2,822 |
| Memoranda: | ||
| Average total assets | $903,292,750 | 1,084 |
| Average earning assets | $840,013,500 | 1,073 |
| Average equity | $74,055,250 | 1,190 |
| Average total loans | $747,834,000 | 912 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 2,305 |
| Cost of funding earning assets | 1.4300% | 1,376 |
| Net interest margin | 3.2200% | 2,937 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.0162% | 1,015 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.5320% | 3,740 |
| Return on assets (ROA) | 0.5076% | 3,801 |
| Pretax return on assets | 0.5054% | 3,960 |
| Return on Equity (ROE) | 6.1000% | 3,670 |
| Retained earnings to average equity (ytd only) | 0.4590% | 3,992 |
| Net charge-offs to loans | -0.0052% | 3,720 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.0754% | 773 |
| Assets per employee ($millions) | 5.7565% | 2,919 |
| Cash dividends to net income (ytd only)* | 92.4703% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,233 |
| Loan loss allowance to noncurrent loans | 457.8561% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 1,976 |
| Noncurrent loans to loans | 0.2707% | 2,185 |
| Net loans and leases to total assets | 81.9600% | 434 |
| Net loans and leases to deposits | 95.8934% | 737 |
| Net loans and leases to core deposits | 107.5917% | 921 |
| Total domestic deposits to total assets | 85.4700% | 2,401 |
| Equity capital to assets | 8.1497% | 3,118 |
| Core capital (leverage) ratio | 8.6230% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2266% | 2,817 |
| Memoranda: | ||
| Average total assets | $894,780,667 | 1,087 |
| Average earning assets | $832,000,000 | 1,075 |
| Average equity | $74,502,667 | 1,179 |
| Average total loans | $737,756,667 | 906 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 2,298 |
| Cost of funding earning assets | 1.1953% | 1,462 |
| Net interest margin | 3.3140% | 2,844 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.9961% | 1,069 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.4508% | 4,003 |
| Return on assets (ROA) | 0.3994% | 4,041 |
| Pretax return on assets | 0.3949% | 4,143 |
| Return on Equity (ROE) | 4.7400% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.7448% | 3,074 |
| Net charge-offs to loans | -0.0225% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.8557% | 654 |
| Assets per employee ($millions) | 5.5946% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,293 |
| Loan loss allowance to noncurrent loans | 385.1198% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 1,722 |
| Noncurrent loans to loans | 0.3245% | 1,986 |
| Net loans and leases to total assets | 81.3900% | 427 |
| Net loans and leases to deposits | 94.6414% | 742 |
| Net loans and leases to core deposits | 102.8750% | 971 |
| Total domestic deposits to total assets | 86.0000% | 2,590 |
| Equity capital to assets | 8.4645% | 2,922 |
| Core capital (leverage) ratio | 8.8284% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5479% | 2,840 |
| Memoranda: | ||
| Average total assets | $887,406,000 | 1,112 |
| Average earning assets | $825,589,000 | 1,096 |
| Average equity | $74,692,000 | 1,185 |
| Average total loans | $729,248,500 | 929 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 1,467 |
| Cost of funding earning assets | 0.4588% | 1,661 |
| Net interest margin | 3.6462% | 1,500 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.8358% | 1,249 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.8471% | 3,166 |
| Return on assets (ROA) | 0.8442% | 3,108 |
| Pretax return on assets | 0.9303% | 3,268 |
| Return on Equity (ROE) | 9.6300% | 2,933 |
| Retained earnings to average equity (ytd only) | 4.7024% | 3,169 |
| Net charge-offs to loans | -0.0112% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.4021% | 1,511 |
| Assets per employee ($millions) | 5.6748% | 3,058 |
| Cash dividends to net income (ytd only)* | 51.1720% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 2,454 |
| Loan loss allowance to noncurrent loans | 395.1331% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 1,803 |
| Noncurrent loans to loans | 0.3003% | 2,063 |
| Net loans and leases to total assets | 80.9600% | 502 |
| Net loans and leases to deposits | 92.9792% | 845 |
| Net loans and leases to core deposits | 101.4917% | 924 |
| Total domestic deposits to total assets | 87.0700% | 2,376 |
| Equity capital to assets | 8.3691% | 2,797 |
| Core capital (leverage) ratio | 9.0469% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6750% | 2,814 |
| Memoranda: | ||
| Average total assets | $869,258,200 | 1,115 |
| Average earning assets | $813,502,600 | 1,093 |
| Average equity | $76,195,400 | 1,175 |
| Average total loans | $680,433,400 | 930 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 1,254 |
| Cost of funding earning assets | 0.3640% | 1,578 |
| Net interest margin | 3.6438% | 1,288 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.8370% | 1,178 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.8378% | 3,106 |
| Return on assets (ROA) | 0.8340% | 3,085 |
| Pretax return on assets | 0.9258% | 3,248 |
| Return on Equity (ROE) | 9.4100% | 2,905 |
| Retained earnings to average equity (ytd only) | 4.6174% | 3,234 |
| Net charge-offs to loans | -0.0191% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.2152% | 1,617 |
| Assets per employee ($millions) | 5.4968% | 3,222 |
| Cash dividends to net income (ytd only)* | 50.9054% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 2,687 |
| Loan loss allowance to noncurrent loans | 370.1585% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 1,921 |
| Noncurrent loans to loans | 0.3164% | 2,109 |
| Net loans and leases to total assets | 81.1900% | 428 |
| Net loans and leases to deposits | 92.6520% | 727 |
| Net loans and leases to core deposits | 99.4339% | 840 |
| Total domestic deposits to total assets | 87.6300% | 2,543 |
| Equity capital to assets | 8.1940% | 2,765 |
| Core capital (leverage) ratio | 9.1820% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6997% | 2,892 |
| Memoranda: | ||
| Average total assets | $865,255,500 | 1,123 |
| Average earning assets | $811,068,750 | 1,105 |
| Average equity | $76,722,000 | 1,182 |
| Average total loans | $669,215,750 | 940 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9048% | 1,105 |
| Cost of funding earning assets | 0.3329% | 1,415 |
| Net interest margin | 3.5719% | 1,124 |
| Noninterest income to average assets | 0.4836% | 2,291 |
| Noninterest expense to average assets | 2.8471% | 1,087 |
| Loan and lease loss provision to assets | 0.1241% | 792 |
| Net operating income to assets | 0.7748% | 3,047 |
| Return on assets (ROA) | 0.7695% | 3,030 |
| Pretax return on assets | 0.8581% | 3,178 |
| Return on Equity (ROE) | 8.4617% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.4961% | 2,883 |
| Net charge-offs to loans | 0.0003% | 2,151 |
| Credit loss provision to net charge-offs | 53,500.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 4,260.0000% | 14 |
| Efficiency ratio | 73.0467% | 1,619 |
| Assets per employee ($millions) | 5.4783% | 3,255 |
| Cash dividends to net income (ytd only)* | 46.8656% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,892 |
| Loan loss allowance to noncurrent loans | 334.6252% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 1,924 |
| Noncurrent loans to loans | 0.3462% | 2,112 |
| Net loans and leases to total assets | 78.9380% | 487 |
| Net loans and leases to deposits | 89.6798% | 741 |
| Net loans and leases to core deposits | 95.9902% | 830 |
| Total domestic deposits to total assets | 88.0221% | 2,565 |
| Equity capital to assets | 8.7438% | 2,579 |
| Core capital (leverage) ratio | 9.1116% | 3,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1539% | 2,768 |
| Memoranda: | ||
| Average total assets | $862,342,333 | 1,126 |
| Average earning assets | $809,155,667 | 1,110 |
| Average equity | $78,424,333 | 1,184 |
| Average total loans | $652,951,000 | 949 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8231% | 1,048 |
| Cost of funding earning assets | 0.3326% | 1,350 |
| Net interest margin | 3.4906% | 1,109 |
| Noninterest income to average assets | 0.4774% | 2,259 |
| Noninterest expense to average assets | 2.8181% | 1,127 |
| Loan and lease loss provision to assets | 0.0760% | 1,087 |
| Net operating income to assets | 0.7554% | 2,827 |
| Return on assets (ROA) | 0.7526% | 2,840 |
| Pretax return on assets | 0.8608% | 2,908 |
| Return on Equity (ROE) | 8.1229% | 2,639 |
| Retained earnings to average equity (ytd only) | 4.6203% | 2,730 |
| Net charge-offs to loans | -0.0056% | 3,374 |
| Credit loss provision to net charge-offs | -1,833.3333% | 3,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7874% | 1,766 |
| Assets per employee ($millions) | 5.6338% | 3,200 |
| Cash dividends to net income (ytd only)* | 43.1193% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,095 |
| Loan loss allowance to noncurrent loans | 212.5602% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 1,478 |
| Noncurrent loans to loans | 0.5415% | 1,688 |
| Net loans and leases to total assets | 74.6921% | 601 |
| Net loans and leases to deposits | 85.0782% | 801 |
| Net loans and leases to core deposits | 91.0039% | 876 |
| Total domestic deposits to total assets | 87.7924% | 2,624 |
| Equity capital to assets | 9.0080% | 2,703 |
| Core capital (leverage) ratio | 9.0028% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5009% | 2,773 |
| Memoranda: | ||
| Average total assets | $868,947,500 | 1,117 |
| Average earning assets | $816,713,500 | 1,106 |
| Average equity | $80,513,500 | 1,192 |
| Average total loans | $640,354,000 | 957 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 1,325 |
| Cost of funding earning assets | 0.4553% | 1,159 |
| Net interest margin | 3.5599% | 1,579 |
| Noninterest income to average assets | 0.6441% | 1,968 |
| Noninterest expense to average assets | 2.8164% | 1,321 |
| Loan and lease loss provision to assets | 0.1103% | 1,139 |
| Net operating income to assets | 0.9874% | 2,725 |
| Return on assets (ROA) | 0.9892% | 2,784 |
| Pretax return on assets | 1.0663% | 3,083 |
| Return on Equity (ROE) | 10.3824% | 2,390 |
| Retained earnings to average equity (ytd only) | 6.0549% | 2,338 |
| Net charge-offs to loans | 0.0220% | 1,821 |
| Credit loss provision to net charge-offs | 698.5294% | 664 |
| Earnings coverage of net charge-offs (x) | 74.3750% | 1,041 |
| Efficiency ratio | 69.4195% | 1,802 |
| Assets per employee ($millions) | 5.6878% | 3,072 |
| Cash dividends to net income (ytd only)* | 41.6813% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 3,065 |
| Loan loss allowance to noncurrent loans | 236.6839% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 1,445 |
| Noncurrent loans to loans | 0.4916% | 1,898 |
| Net loans and leases to total assets | 71.0179% | 921 |
| Net loans and leases to deposits | 81.9293% | 1,072 |
| Net loans and leases to core deposits | 87.6295% | 1,099 |
| Total domestic deposits to total assets | 86.6820% | 2,630 |
| Equity capital to assets | 9.5192% | 3,131 |
| Core capital (leverage) ratio | 8.8932% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7017% | 2,727 |
| Memoranda: | ||
| Average total assets | $861,039,400 | 1,080 |
| Average earning assets | $809,555,800 | 1,072 |
| Average equity | $82,033,200 | 1,179 |
| Average total loans | $618,322,800 | 976 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 1,431 |
| Cost of funding earning assets | 0.4903% | 1,101 |
| Net interest margin | 3.5573% | 1,704 |
| Noninterest income to average assets | 0.6406% | 2,052 |
| Noninterest expense to average assets | 2.7892% | 1,369 |
| Loan and lease loss provision to assets | 0.1198% | 987 |
| Net operating income to assets | 1.0673% | 2,664 |
| Return on assets (ROA) | 1.0689% | 2,722 |
| Pretax return on assets | 1.0773% | 3,249 |
| Return on Equity (ROE) | 11.2168% | 2,302 |
| Retained earnings to average equity (ytd only) | 5.4232% | 3,065 |
| Net charge-offs to loans | 0.0100% | 1,950 |
| Credit loss provision to net charge-offs | 1,673.9130% | 370 |
| Earnings coverage of net charge-offs (x) | 167.1087% | 631 |
| Efficiency ratio | 68.8432% | 1,720 |
| Assets per employee ($millions) | 5.5611% | 3,135 |
| Cash dividends to net income (ytd only)* | 51.6514% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 3,178 |
| Loan loss allowance to noncurrent loans | 238.1956% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 1,571 |
| Noncurrent loans to loans | 0.4862% | 2,096 |
| Net loans and leases to total assets | 72.0876% | 866 |
| Net loans and leases to deposits | 83.5403% | 996 |
| Net loans and leases to core deposits | 90.1302% | 1,026 |
| Total domestic deposits to total assets | 86.2909% | 2,640 |
| Equity capital to assets | 9.6645% | 3,229 |
| Core capital (leverage) ratio | 8.7823% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7919% | 2,778 |
| Memoranda: | ||
| Average total assets | $857,319,750 | 1,096 |
| Average earning assets | $805,954,250 | 1,088 |
| Average equity | $81,696,500 | 1,201 |
| Average total loans | $615,558,000 | 998 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8549% | 1,936 |
| Cost of funding earning assets | 0.5232% | 1,074 |
| Net interest margin | 3.3317% | 2,348 |
| Noninterest income to average assets | 0.6625% | 1,960 |
| Noninterest expense to average assets | 2.7739% | 1,411 |
| Loan and lease loss provision to assets | 0.1026% | 1,232 |
| Net operating income to assets | 0.9053% | 3,204 |
| Return on assets (ROA) | 0.9069% | 3,273 |
| Pretax return on assets | 0.9198% | 3,615 |
| Return on Equity (ROE) | 9.5624% | 2,929 |
| Retained earnings to average equity (ytd only) | 4.0300% | 3,506 |
| Net charge-offs to loans | 0.0131% | 1,689 |
| Credit loss provision to net charge-offs | 1,100.0000% | 446 |
| Earnings coverage of net charge-offs (x) | 109.4250% | 710 |
| Efficiency ratio | 71.8904% | 1,445 |
| Assets per employee ($millions) | 5.4701% | 3,162 |
| Cash dividends to net income (ytd only)* | 57.8555% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,433 |
| Loan loss allowance to noncurrent loans | 156.6311% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 1,601 |
| Noncurrent loans to loans | 0.6993% | 1,682 |
| Net loans and leases to total assets | 72.6447% | 889 |
| Net loans and leases to deposits | 84.1442% | 1,056 |
| Net loans and leases to core deposits | 90.9855% | 1,066 |
| Total domestic deposits to total assets | 86.3336% | 2,609 |
| Equity capital to assets | 9.4788% | 3,351 |
| Core capital (leverage) ratio | 8.4506% | 4,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8189% | 2,770 |
| Memoranda: | ||
| Average total assets | $857,623,333 | 1,087 |
| Average earning assets | $806,247,667 | 1,083 |
| Average equity | $81,339,333 | 1,199 |
| Average total loans | $612,544,333 | 1,005 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 1,832 |
| Cost of funding earning assets | 0.5599% | 1,052 |
| Net interest margin | 3.3394% | 2,277 |
| Noninterest income to average assets | 0.7188% | 1,809 |
| Noninterest expense to average assets | 2.7257% | 1,560 |
| Loan and lease loss provision to assets | 0.1027% | 1,322 |
| Net operating income to assets | 1.0338% | 2,700 |
| Return on assets (ROA) | 1.0371% | 2,764 |
| Pretax return on assets | 1.0366% | 3,270 |
| Return on Equity (ROE) | 10.9314% | 2,386 |
| Retained earnings to average equity (ytd only) | 10.9314% | 1,419 |
| Net charge-offs to loans | 0.0020% | 1,852 |
| Credit loss provision to net charge-offs | 7,333.3333% | 90 |
| Earnings coverage of net charge-offs (x) | 811.3333% | 115 |
| Efficiency ratio | 69.3981% | 1,769 |
| Assets per employee ($millions) | 5.1697% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,402 |
| Loan loss allowance to noncurrent loans | 158.1707% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,826 |
| Noncurrent loans to loans | 0.6991% | 1,846 |
| Net loans and leases to total assets | 69.2730% | 1,385 |
| Net loans and leases to deposits | 80.5062% | 1,475 |
| Net loans and leases to core deposits | 88.1724% | 1,356 |
| Total domestic deposits to total assets | 86.0468% | 2,720 |
| Equity capital to assets | 9.4239% | 3,271 |
| Core capital (leverage) ratio | 8.6912% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4657% | 2,505 |
| Memoranda: | ||
| Average total assets | $857,035,500 | 1,088 |
| Average earning assets | $806,608,500 | 1,072 |
| Average equity | $81,307,000 | 1,193 |
| Average total loans | $603,426,000 | 1,025 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 1,230 |
| Cost of funding earning assets | 0.8958% | 870 |
| Net interest margin | 3.6373% | 2,016 |
| Noninterest income to average assets | 0.7462% | 1,703 |
| Noninterest expense to average assets | 2.9882% | 1,460 |
| Loan and lease loss provision to assets | 0.2004% | 1,955 |
| Net operating income to assets | 0.9538% | 2,462 |
| Return on assets (ROA) | 0.9720% | 2,537 |
| Pretax return on assets | 0.9737% | 3,132 |
| Return on Equity (ROE) | 9.7203% | 2,108 |
| Retained earnings to average equity (ytd only) | 3.7961% | 2,919 |
| Net charge-offs to loans | 0.1273% | 1,237 |
| Credit loss provision to net charge-offs | 209.4541% | 2,116 |
| Earnings coverage of net charge-offs (x) | 12.0786% | 2,357 |
| Efficiency ratio | 70.8957% | 1,825 |
| Assets per employee ($millions) | 5.2519% | 3,092 |
| Cash dividends to net income (ytd only)* | 60.9465% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,521 |
| Loan loss allowance to noncurrent loans | 194.2985% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 2,293 |
| Noncurrent loans to loans | 0.5598% | 2,301 |
| Net loans and leases to total assets | 70.0096% | 1,560 |
| Net loans and leases to deposits | 81.5376% | 1,702 |
| Net loans and leases to core deposits | 90.4949% | 1,491 |
| Total domestic deposits to total assets | 85.8617% | 2,424 |
| Equity capital to assets | 9.5518% | 3,560 |
| Core capital (leverage) ratio | 8.5956% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9478% | 2,647 |
| Memoranda: | ||
| Average total assets | $784,753,000 | 1,076 |
| Average earning assets | $733,108,800 | 1,059 |
| Average equity | $78,475,200 | 1,175 |
| Average total loans | $590,163,000 | 994 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 1,692 |
| Cost of funding earning assets | 1.0343% | 676 |
| Net interest margin | 3.4192% | 2,854 |
| Noninterest income to average assets | 0.3358% | 3,471 |
| Noninterest expense to average assets | 2.8627% | 1,794 |
| Loan and lease loss provision to assets | 0.3297% | 1,180 |
| Net operating income to assets | 0.2096% | 4,574 |
| Return on assets (ROA) | 0.2096% | 4,618 |
| Pretax return on assets | 0.2788% | 4,566 |
| Return on Equity (ROE) | 1.8330% | 4,578 |
| Retained earnings to average equity (ytd only) | 1.8330% | 3,989 |
| Net charge-offs to loans | -0.0014% | 3,844 |
| Credit loss provision to net charge-offs | -32,400.0000% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5432% | 1,084 |
| Assets per employee ($millions) | 8.5171% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6526% | 4,661 |
| Loan loss allowance to noncurrent loans | 408.5227% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 3,823 |
| Noncurrent loans to loans | 0.1597% | 3,743 |
| Net loans and leases to total assets | 75.5978% | 1,145 |
| Net loans and leases to deposits | 93.5746% | 957 |
| Net loans and leases to core deposits | 101.5965% | 1,054 |
| Total domestic deposits to total assets | 80.7887% | 3,701 |
| Equity capital to assets | 10.4351% | 2,842 |
| Core capital (leverage) ratio | 8.9257% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,013,750 | 3,604 |
| Average earning assets | $120,140,750 | 3,615 |
| Average equity | $14,984,500 | 3,657 |
| Average total loans | $97,931,750 | 3,278 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5046% | 1,899 |
| Cost of funding earning assets | 1.0725% | 786 |
| Net interest margin | 3.4321% | 3,002 |
| Noninterest income to average assets | 0.3670% | 3,277 |
| Noninterest expense to average assets | 3.0628% | 1,436 |
| Loan and lease loss provision to assets | 0.2879% | 1,491 |
| Net operating income to assets | 0.1139% | 4,670 |
| Return on assets (ROA) | 0.1139% | 4,704 |
| Pretax return on assets | 0.1550% | 4,676 |
| Return on Equity (ROE) | 0.9637% | 4,692 |
| Retained earnings to average equity (ytd only) | 0.9637% | 4,109 |
| Net charge-offs to loans | -0.0064% | 4,081 |
| Credit loss provision to net charge-offs | -6,066.6667% | 4,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3105% | 740 |
| Assets per employee ($millions) | 8.3282% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5489% | 4,791 |
| Loan loss allowance to noncurrent loans | 316.3934% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 3,878 |
| Noncurrent loans to loans | 0.1735% | 3,755 |
| Net loans and leases to total assets | 74.0994% | 1,398 |
| Net loans and leases to deposits | 92.4635% | 1,100 |
| Net loans and leases to core deposits | 97.9342% | 1,415 |
| Total domestic deposits to total assets | 80.1391% | 3,806 |
| Equity capital to assets | 10.5827% | 2,679 |
| Core capital (leverage) ratio | 9.3533% | 3,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,421,667 | 3,641 |
| Average earning assets | $115,616,000 | 3,655 |
| Average equity | $14,943,000 | 3,660 |
| Average total loans | $93,850,000 | 3,338 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 1,461 |
| Cost of funding earning assets | 1.0926% | 1,070 |
| Net interest margin | 3.6925% | 2,350 |
| Noninterest income to average assets | 0.4275% | 2,921 |
| Noninterest expense to average assets | 3.1369% | 1,552 |
| Loan and lease loss provision to assets | 0.2895% | 1,074 |
| Net operating income to assets | 0.2659% | 4,417 |
| Return on assets (ROA) | 0.2659% | 4,443 |
| Pretax return on assets | 0.3568% | 4,371 |
| Return on Equity (ROE) | 2.1175% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.1175% | 3,399 |
| Net charge-offs to loans | 0.0091% | 2,236 |
| Credit loss provision to net charge-offs | 4,300.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 96.0000% | 595 |
| Efficiency ratio | 77.9359% | 1,348 |
| Assets per employee ($millions) | 7.1016% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5037% | 4,872 |
| Loan loss allowance to noncurrent loans | 188.1890% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 3,689 |
| Noncurrent loans to loans | 0.2676% | 3,535 |
| Net loans and leases to total assets | 73.8696% | 1,627 |
| Net loans and leases to deposits | 94.8357% | 1,008 |
| Net loans and leases to core deposits | 101.1711% | 1,386 |
| Total domestic deposits to total assets | 77.8922% | 4,236 |
| Equity capital to assets | 11.7150% | 2,274 |
| Core capital (leverage) ratio | 9.7663% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,842,500 | 3,719 |
| Average earning assets | $108,004,000 | 3,751 |
| Average equity | $14,923,000 | 3,669 |
| Average total loans | $88,030,500 | 3,442 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 944 |
| Cost of funding earning assets | 0.9869% | 1,782 |
| Net interest margin | 4.2346% | 1,244 |
| Noninterest income to average assets | 0.5358% | 2,551 |
| Noninterest expense to average assets | 3.2192% | 1,475 |
| Loan and lease loss provision to assets | 0.2442% | 766 |
| Net operating income to assets | 0.6360% | 4,054 |
| Return on assets (ROA) | 0.6360% | 4,122 |
| Pretax return on assets | 0.8812% | 3,789 |
| Return on Equity (ROE) | 4.7062% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.7062% | 2,581 |
| Net charge-offs to loans | -0.0643% | 4,871 |
| Credit loss provision to net charge-offs | -505.7692% | 4,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2883% | 2,277 |
| Assets per employee ($millions) | 6.1032% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4855% | 4,903 |
| Loan loss allowance to noncurrent loans | 148.6792% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,476 |
| Noncurrent loans to loans | 0.3265% | 3,271 |
| Net loans and leases to total assets | 73.5165% | 1,837 |
| Net loans and leases to deposits | 93.1770% | 1,234 |
| Net loans and leases to core deposits | 99.5599% | 1,599 |
| Total domestic deposits to total assets | 78.8998% | 4,203 |
| Equity capital to assets | 13.5367% | 1,262 |
| Core capital (leverage) ratio | 10.1875% | 3,313 |
| Tier 1 risk-based capital ratio | 13.4954% | 3,528 |
| Total risk-based capital ratio | 13.9952% | 3,813 |
| Memoranda: | ||
| Average total assets | $107,696,600 | 3,867 |
| Average earning assets | $96,868,200 | 3,929 |
| Average equity | $14,555,200 | 3,683 |
| Average total loans | $80,872,200 | 3,587 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3158% | 836 |
| Cost of funding earning assets | 0.9561% | 1,965 |
| Net interest margin | 4.3597% | 1,037 |
| Noninterest income to average assets | 0.5101% | 2,669 |
| Noninterest expense to average assets | 3.2040% | 1,463 |
| Loan and lease loss provision to assets | 0.2414% | 686 |
| Net operating income to assets | 0.7204% | 3,945 |
| Return on assets (ROA) | 0.7204% | 4,010 |
| Pretax return on assets | 0.9854% | 3,636 |
| Return on Equity (ROE) | 5.3327% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.3327% | 2,716 |
| Net charge-offs to loans | -0.0858% | 4,965 |
| Credit loss provision to net charge-offs | -373.0769% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5934% | 2,483 |
| Assets per employee ($millions) | 5.9444% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4027% | 5,059 |
| Loan loss allowance to noncurrent loans | 140.6926% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 3,710 |
| Noncurrent loans to loans | 0.2862% | 3,515 |
| Net loans and leases to total assets | 75.1187% | 1,631 |
| Net loans and leases to deposits | 95.7998% | 1,040 |
| Net loans and leases to core deposits | 102.9063% | 1,418 |
| Total domestic deposits to total assets | 78.4121% | 4,284 |
| Equity capital to assets | 13.8056% | 1,228 |
| Core capital (leverage) ratio | 10.0700% | 3,564 |
| Tier 1 risk-based capital ratio | 13.2912% | 3,693 |
| Total risk-based capital ratio | 13.7035% | 4,056 |
| Memoranda: | ||
| Average total assets | $107,156,500 | 3,908 |
| Average earning assets | $96,365,000 | 3,978 |
| Average equity | $14,476,250 | 3,720 |
| Average total loans | $80,801,000 | 3,627 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3284% | 766 |
| Cost of funding earning assets | 0.8991% | 2,145 |
| Net interest margin | 4.4292% | 891 |
| Noninterest income to average assets | 0.4906% | 2,729 |
| Noninterest expense to average assets | 3.1863% | 1,539 |
| Loan and lease loss provision to assets | 0.2332% | 688 |
| Net operating income to assets | 0.7667% | 3,765 |
| Return on assets (ROA) | 0.7667% | 3,828 |
| Pretax return on assets | 1.0503% | 3,387 |
| Return on Equity (ROE) | 5.7172% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.7172% | 2,407 |
| Net charge-offs to loans | -0.0792% | 4,955 |
| Credit loss provision to net charge-offs | -390.6250% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6110% | 2,728 |
| Assets per employee ($millions) | 6.2502% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2880% | 5,178 |
| Loan loss allowance to noncurrent loans | 86.4469% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,542 |
| Noncurrent loans to loans | 0.3331% | 3,343 |
| Net loans and leases to total assets | 76.9127% | 1,401 |
| Net loans and leases to deposits | 97.9375% | 850 |
| Net loans and leases to core deposits | 104.5707% | 1,333 |
| Total domestic deposits to total assets | 78.5324% | 4,309 |
| Equity capital to assets | 13.7521% | 1,219 |
| Core capital (leverage) ratio | 9.9862% | 3,594 |
| Tier 1 risk-based capital ratio | 12.9496% | 3,864 |
| Total risk-based capital ratio | 13.2476% | 4,308 |
| Memoranda: | ||
| Average total assets | $107,208,670 | 3,940 |
| Average earning assets | $96,314,670 | 4,000 |
| Average equity | $14,377,670 | 3,737 |
| Average total loans | $80,834,000 | 3,645 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 680 |
| Cost of funding earning assets | 0.8388% | 2,335 |
| Net interest margin | 4.5220% | 707 |
| Noninterest income to average assets | 0.4643% | 2,774 |
| Noninterest expense to average assets | 3.0645% | 1,819 |
| Loan and lease loss provision to assets | 0.1597% | 1,057 |
| Net operating income to assets | 0.9398% | 3,092 |
| Return on assets (ROA) | 0.9398% | 3,134 |
| Pretax return on assets | 1.2852% | 2,510 |
| Return on Equity (ROE) | 7.0965% | 3,638 |
| Retained earnings to average equity (ytd only) | 7.0965% | 2,001 |
| Net charge-offs to loans | -0.1495% | 5,122 |
| Credit loss provision to net charge-offs | -143.3333% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3443% | 3,340 |
| Assets per employee ($millions) | 5.9178% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1842% | 5,285 |
| Loan loss allowance to noncurrent loans | 52.5952% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2713% | 3,527 |
| Noncurrent loans to loans | 0.3502% | 3,327 |
| Net loans and leases to total assets | 77.3338% | 1,269 |
| Net loans and leases to deposits | 97.0580% | 884 |
| Net loans and leases to core deposits | 103.8423% | 1,328 |
| Total domestic deposits to total assets | 79.6780% | 4,225 |
| Equity capital to assets | 13.5336% | 1,197 |
| Core capital (leverage) ratio | 9.7714% | 3,843 |
| Tier 1 risk-based capital ratio | 12.6216% | 4,083 |
| Total risk-based capital ratio | 12.8127% | 4,593 |
| Memoranda: | ||
| Average total assets | $107,686,500 | 3,970 |
| Average earning assets | $96,328,000 | 4,039 |
| Average equity | $14,260,500 | 3,766 |
| Average total loans | $80,272,000 | 3,687 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0802% | 5,395 |
| Cost of funding earning assets | 0.1459% | 5,182 |
| Net interest margin | 0.9343% | 5,393 |
| Noninterest income to average assets | 0.1147% | 5,096 |
| Noninterest expense to average assets | 0.7488% | 5,373 |
| Loan and lease loss provision to assets | 0.0643% | 2,869 |
| Net operating income to assets | 0.1355% | 5,158 |
| Return on assets (ROA) | 0.1355% | 5,152 |
| Pretax return on assets | 0.1692% | 5,136 |
| Return on Equity (ROE) | 1.3253% | 5,128 |
| Retained earnings to average equity (ytd only) | 1.3253% | 4,604 |
| Net charge-offs to loans | -0.0178% | 4,671 |
| Credit loss provision to net charge-offs | -464.2857% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4068% | 1,850 |
| Assets per employee ($millions) | 6.4031% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1013% | 5,343 |
| Loan loss allowance to noncurrent loans | 26.6892% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 3,497 |
| Noncurrent loans to loans | 0.3794% | 3,172 |
| Net loans and leases to total assets | 71.5984% | 2,327 |
| Net loans and leases to deposits | 89.4624% | 1,869 |
| Net loans and leases to core deposits | 94.3136% | 2,202 |
| Total domestic deposits to total assets | 80.0318% | 4,101 |
| Equity capital to assets | 12.9578% | 1,368 |
| Core capital (leverage) ratio | 9.3349% | 4,321 |
| Tier 1 risk-based capital ratio | 12.8342% | 3,951 |
| Total risk-based capital ratio | 12.9384% | 4,512 |
| Memoranda: | ||
| Average total assets | $101,090,200 | 4,085 |
| Average earning assets | $93,871,000 | 4,068 |
| Average equity | $10,337,000 | 4,258 |
| Average total loans | $78,439,200 | 3,695 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 2,087 |
| Cost of funding earning assets | 0.6366% | 2,234 |
| Net interest margin | 3.9285% | 2,206 |
| Noninterest income to average assets | 0.6051% | 2,278 |
| Noninterest expense to average assets | 3.9011% | 593 |
| Loan and lease loss provision to assets | 0.0269% | 3,473 |
| Net operating income to assets | 0.3201% | 5,074 |
| Return on assets (ROA) | 0.3201% | 5,065 |
| Pretax return on assets | 0.3698% | 5,062 |
| Return on Equity (ROE) | 3.3776% | 4,950 |
| Retained earnings to average equity (ytd only) | 1.1637% | 4,810 |
| Net charge-offs to loans | 0.0340% | 2,405 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 14.7477% | 2,268 |
| Efficiency ratio | 90.7697% | 306 |
| Assets per employee ($millions) | 5.6265% | 1,800 |
| Cash dividends to net income (ytd only)* | 65.5438% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 3,834 |
| Loan loss allowance to noncurrent loans | 298.8722% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 3,637 |
| Noncurrent loans to loans | 0.3311% | 3,483 |
| Net loans and leases to total assets | 78.5410% | 1,244 |
| Net loans and leases to deposits | 95.4406% | 1,215 |
| Net loans and leases to core deposits | 100.7600% | 1,716 |
| Total domestic deposits to total assets | 82.2931% | 3,524 |
| Equity capital to assets | 9.1689% | 4,404 |
| Core capital (leverage) ratio | 9.3410% | 4,346 |
| Tier 1 risk-based capital ratio | 11.8916% | 4,560 |
| Total risk-based capital ratio | 12.8995% | 4,596 |
| Memoranda: | ||
| Average total assets | $99,149,500 | 4,155 |
| Average earning assets | $93,197,000 | 4,124 |
| Average equity | $9,395,000 | 4,436 |
| Average total loans | $78,545,000 | 3,725 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 2,117 |
| Cost of funding earning assets | 0.6018% | 2,211 |
| Net interest margin | 3.8890% | 2,242 |
| Noninterest income to average assets | 0.5933% | 2,356 |
| Noninterest expense to average assets | 2.9602% | 2,167 |
| Loan and lease loss provision to assets | 0.0305% | 3,302 |
| Net operating income to assets | 0.9386% | 3,283 |
| Return on assets (ROA) | 0.9386% | 3,288 |
| Pretax return on assets | 1.2657% | 2,645 |
| Return on Equity (ROE) | 9.7971% | 2,658 |
| Retained earnings to average equity (ytd only) | 7.2948% | 1,925 |
| Net charge-offs to loans | -0.0026% | 3,985 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5465% | 2,386 |
| Assets per employee ($millions) | 5.4162% | 1,978 |
| Cash dividends to net income (ytd only)* | 25.5411% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,773 |
| Loan loss allowance to noncurrent loans | 327.4194% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 3,743 |
| Noncurrent loans to loans | 0.3084% | 3,605 |
| Net loans and leases to total assets | 81.6405% | 750 |
| Net loans and leases to deposits | 99.5585% | 834 |
| Net loans and leases to core deposits | 105.3556% | 1,290 |
| Total domestic deposits to total assets | 82.0026% | 3,723 |
| Equity capital to assets | 9.8275% | 3,797 |
| Core capital (leverage) ratio | 9.8482% | 3,735 |
| Tier 1 risk-based capital ratio | 12.3395% | 4,281 |
| Total risk-based capital ratio | 13.3788% | 4,294 |
| Memoranda: | ||
| Average total assets | $98,440,330 | 4,201 |
| Average earning assets | $92,722,330 | 4,166 |
| Average equity | $9,431,330 | 4,468 |
| Average total loans | $77,947,000 | 3,755 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 2,512 |
| Cost of funding earning assets | 0.5853% | 2,138 |
| Net interest margin | 3.7140% | 2,750 |
| Noninterest income to average assets | 0.5581% | 2,482 |
| Noninterest expense to average assets | 2.8995% | 2,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8371% | 3,569 |
| Return on assets (ROA) | 0.8371% | 3,582 |
| Pretax return on assets | 1.1485% | 2,971 |
| Return on Equity (ROE) | 8.8495% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.8495% | 1,520 |
| Net charge-offs to loans | -0.0052% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6284% | 2,245 |
| Assets per employee ($millions) | 5.7991% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,652 |
| Loan loss allowance to noncurrent loans | 307.7220% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 3,817 |
| Noncurrent loans to loans | 0.3417% | 3,537 |
| Net loans and leases to total assets | 76.0826% | 1,530 |
| Net loans and leases to deposits | 92.5623% | 1,380 |
| Net loans and leases to core deposits | 98.1844% | 1,824 |
| Total domestic deposits to total assets | 82.1961% | 3,902 |
| Equity capital to assets | 9.5785% | 4,012 |
| Core capital (leverage) ratio | 9.6941% | 3,856 |
| Tier 1 risk-based capital ratio | 13.0905% | 3,905 |
| Total risk-based capital ratio | 14.1881% | 3,873 |
| Memoranda: | ||
| Average total assets | $98,914,500 | 4,239 |
| Average earning assets | $92,946,500 | 4,208 |
| Average equity | $9,356,500 | 4,527 |
| Average total loans | $76,718,000 | 3,813 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 1,441 |
| Cost of funding earning assets | 0.5860% | 1,704 |
| Net interest margin | 4.0106% | 1,717 |
| Noninterest income to average assets | 0.6659% | 2,111 |
| Noninterest expense to average assets | 2.9335% | 2,334 |
| Loan and lease loss provision to assets | -0.3717% | 5,627 |
| Net operating income to assets | 1.1469% | 1,685 |
| Return on assets (ROA) | 1.1475% | 1,721 |
| Pretax return on assets | 1.8542% | 680 |
| Return on Equity (ROE) | 12.3434% | 1,117 |
| Retained earnings to average equity (ytd only) | 7.3381% | 971 |
| Net charge-offs to loans | -0.0025% | 4,545 |
| Credit loss provision to net charge-offs | 18,250.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4437% | 3,181 |
| Assets per employee ($millions) | 7.0889% | 934 |
| Cash dividends to net income (ytd only)* | 40.5501% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,769 |
| Loan loss allowance to noncurrent loans | 291.5751% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 3,788 |
| Noncurrent loans to loans | 0.3517% | 3,502 |
| Net loans and leases to total assets | 77.4223% | 1,359 |
| Net loans and leases to deposits | 93.8846% | 1,286 |
| Net loans and leases to core deposits | 100.1682% | 1,700 |
| Total domestic deposits to total assets | 82.4654% | 3,741 |
| Equity capital to assets | 9.3406% | 4,390 |
| Core capital (leverage) ratio | 9.2557% | 4,339 |
| Tier 1 risk-based capital ratio | 12.5674% | 4,168 |
| Total risk-based capital ratio | 13.6434% | 4,179 |
| Memoranda: | ||
| Average total assets | $98,209,800 | 4,273 |
| Average earning assets | $91,807,600 | 4,250 |
| Average equity | $9,130,400 | 4,592 |
| Average total loans | $81,531,200 | 3,719 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,380 |
| Cost of funding earning assets | 0.5783% | 1,680 |
| Net interest margin | 4.0178% | 1,642 |
| Noninterest income to average assets | 0.6765% | 2,100 |
| Noninterest expense to average assets | 2.8993% | 2,413 |
| Loan and lease loss provision to assets | -0.4968% | 5,712 |
| Net operating income to assets | 1.2991% | 1,337 |
| Return on assets (ROA) | 1.2999% | 1,370 |
| Pretax return on assets | 2.0295% | 517 |
| Return on Equity (ROE) | 13.9992% | 835 |
| Retained earnings to average equity (ytd only) | 12.6067% | 251 |
| Net charge-offs to loans | 0.0016% | 3,717 |
| Credit loss provision to net charge-offs | -36,500.0000% | 5,247 |
| Earnings coverage of net charge-offs (x) | 1,127.7895% | 90 |
| Efficiency ratio | 65.4378% | 3,302 |
| Assets per employee ($millions) | 6.1949% | 1,384 |
| Cash dividends to net income (ytd only)* | 9.9474% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 4,300 |
| Loan loss allowance to noncurrent loans | 294.4238% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,986 |
| Noncurrent loans to loans | 0.3244% | 3,783 |
| Net loans and leases to total assets | 82.8608% | 564 |
| Net loans and leases to deposits | 100.8795% | 681 |
| Net loans and leases to core deposits | 107.4789% | 1,172 |
| Total domestic deposits to total assets | 82.1385% | 3,733 |
| Equity capital to assets | 9.5825% | 4,360 |
| Core capital (leverage) ratio | 9.5456% | 4,101 |
| Tier 1 risk-based capital ratio | 12.0014% | 4,619 |
| Total risk-based capital ratio | 13.0033% | 4,675 |
| Memoranda: | ||
| Average total assets | $97,951,250 | 4,314 |
| Average earning assets | $91,523,000 | 4,296 |
| Average equity | $9,095,500 | 4,643 |
| Average total loans | $82,505,750 | 3,716 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,306 |
| Cost of funding earning assets | 0.5713% | 1,639 |
| Net interest margin | 4.0058% | 1,588 |
| Noninterest income to average assets | 0.6601% | 2,165 |
| Noninterest expense to average assets | 2.9684% | 2,201 |
| Loan and lease loss provision to assets | -0.7687% | 5,772 |
| Net operating income to assets | 1.4070% | 1,051 |
| Return on assets (ROA) | 1.4083% | 1,075 |
| Pretax return on assets | 2.1996% | 354 |
| Return on Equity (ROE) | 15.3325% | 617 |
| Retained earnings to average equity (ytd only) | 14.1720% | 174 |
| Net charge-offs to loans | -0.0316% | 4,982 |
| Credit loss provision to net charge-offs | 2,884.6154% | 151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5058% | 3,093 |
| Assets per employee ($millions) | 6.1716% | 1,341 |
| Cash dividends to net income (ytd only)* | 7.5691% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,316 |
| Loan loss allowance to noncurrent loans | 289.4545% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,006 |
| Noncurrent loans to loans | 0.3356% | 3,840 |
| Net loans and leases to total assets | 82.1785% | 644 |
| Net loans and leases to deposits | 99.6647% | 763 |
| Net loans and leases to core deposits | 106.1841% | 1,221 |
| Total domestic deposits to total assets | 82.4550% | 3,747 |
| Equity capital to assets | 9.3928% | 4,522 |
| Core capital (leverage) ratio | 9.4507% | 4,179 |
| Tier 1 risk-based capital ratio | 11.7519% | 4,805 |
| Total risk-based capital ratio | 12.7619% | 4,845 |
| Memoranda: | ||
| Average total assets | $97,562,330 | 4,349 |
| Average earning assets | $91,017,670 | 4,328 |
| Average equity | $8,961,330 | 4,684 |
| Average total loans | $82,367,000 | 3,732 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,278 |
| Cost of funding earning assets | 0.5591% | 1,657 |
| Net interest margin | 3.9805% | 1,520 |
| Noninterest income to average assets | 0.6476% | 2,192 |
| Noninterest expense to average assets | 3.0896% | 1,891 |
| Loan and lease loss provision to assets | -1.5469% | 5,852 |
| Net operating income to assets | 1.7944% | 455 |
| Return on assets (ROA) | 1.7944% | 468 |
| Pretax return on assets | 2.8050% | 155 |
| Return on Equity (ROE) | 19.7626% | 242 |
| Retained earnings to average equity (ytd only) | 18.0362% | 140 |
| Net charge-offs to loans | 0.0048% | 2,810 |
| Credit loss provision to net charge-offs | -37,500.0000% | 4,803 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 196 |
| Efficiency ratio | 71.0626% | 2,721 |
| Assets per employee ($millions) | 5.3982% | 1,983 |
| Cash dividends to net income (ytd only)* | 8.7356% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,572 |
| Loan loss allowance to noncurrent loans | 274.3860% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 4,027 |
| Noncurrent loans to loans | 0.3449% | 3,863 |
| Net loans and leases to total assets | 84.2345% | 341 |
| Net loans and leases to deposits | 102.1312% | 494 |
| Net loans and leases to core deposits | 108.1529% | 967 |
| Total domestic deposits to total assets | 82.4767% | 4,030 |
| Equity capital to assets | 9.2777% | 4,537 |
| Core capital (leverage) ratio | 9.4095% | 4,224 |
| Tier 1 risk-based capital ratio | 11.1960% | 5,209 |
| Total risk-based capital ratio | 12.1663% | 5,277 |
| Memoranda: | ||
| Average total assets | $96,970,500 | 4,409 |
| Average earning assets | $90,140,500 | 4,395 |
| Average equity | $8,804,500 | 4,750 |
| Average total loans | $82,578,500 | 3,752 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6459% | 1,178 |
| Cost of funding earning assets | 0.5536% | 1,654 |
| Net interest margin | 4.0922% | 1,397 |
| Noninterest income to average assets | 0.6224% | 2,543 |
| Noninterest expense to average assets | 3.0920% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8585% | 3,037 |
| Return on assets (ROA) | 0.8619% | 3,127 |
| Pretax return on assets | 1.3408% | 2,139 |
| Return on Equity (ROE) | 9.7376% | 2,085 |
| Retained earnings to average equity (ytd only) | 6.8413% | 1,291 |
| Net charge-offs to loans | 0.2940% | 946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.5043% | 3,329 |
| Efficiency ratio | 69.8356% | 2,927 |
| Assets per employee ($millions) | 5.3763% | 1,980 |
| Cash dividends to net income (ytd only)* | 29.7430% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 2,059 |
| Loan loss allowance to noncurrent loans | 392.5424% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 4,053 |
| Noncurrent loans to loans | 0.3575% | 3,849 |
| Net loans and leases to total assets | 84.0813% | 380 |
| Net loans and leases to deposits | 105.1130% | 385 |
| Net loans and leases to core deposits | 111.1615% | 819 |
| Total domestic deposits to total assets | 79.9913% | 4,578 |
| Equity capital to assets | 8.8806% | 4,936 |
| Core capital (leverage) ratio | 9.1334% | 4,578 |
| Tier 1 risk-based capital ratio | 10.5459% | 5,554 |
| Total risk-based capital ratio | 11.7977% | 5,483 |
| Memoranda: | ||
| Average total assets | $94,794,000 | 4,448 |
| Average earning assets | $88,143,000 | 4,435 |
| Average equity | $8,390,200 | 4,867 |
| Average total loans | $78,237,800 | 3,844 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 1,197 |
| Cost of funding earning assets | 0.5600% | 1,609 |
| Net interest margin | 4.0857% | 1,418 |
| Noninterest income to average assets | 0.6122% | 2,602 |
| Noninterest expense to average assets | 3.0484% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8777% | 3,021 |
| Return on assets (ROA) | 0.8823% | 3,122 |
| Pretax return on assets | 1.3771% | 2,136 |
| Return on Equity (ROE) | 9.9767% | 2,061 |
| Retained earnings to average equity (ytd only) | 8.7616% | 892 |
| Net charge-offs to loans | 0.4268% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.9230% | 3,337 |
| Efficiency ratio | 68.9920% | 3,045 |
| Assets per employee ($millions) | 5.2000% | 2,147 |
| Cash dividends to net income (ytd only)* | 12.1794% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 2,089 |
| Loan loss allowance to noncurrent loans | 373.7705% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 4,096 |
| Noncurrent loans to loans | 0.3810% | 3,896 |
| Net loans and leases to total assets | 84.3120% | 383 |
| Net loans and leases to deposits | 102.3487% | 547 |
| Net loans and leases to core deposits | 107.8765% | 1,066 |
| Total domestic deposits to total assets | 82.3771% | 3,815 |
| Equity capital to assets | 9.2318% | 4,941 |
| Core capital (leverage) ratio | 9.1202% | 4,696 |
| Tier 1 risk-based capital ratio | 10.9635% | 5,387 |
| Total risk-based capital ratio | 12.2154% | 5,302 |
| Memoranda: | ||
| Average total assets | $94,299,250 | 4,497 |
| Average earning assets | $87,848,000 | 4,470 |
| Average equity | $8,339,250 | 4,930 |
| Average total loans | $77,165,750 | 3,898 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 1,405 |
| Cost of funding earning assets | 0.5659% | 1,570 |
| Net interest margin | 3.9752% | 1,724 |
| Noninterest income to average assets | 0.5797% | 2,729 |
| Noninterest expense to average assets | 3.1100% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7490% | 3,552 |
| Return on assets (ROA) | 0.7490% | 3,705 |
| Pretax return on assets | 1.1700% | 2,904 |
| Return on Equity (ROE) | 8.5936% | 2,700 |
| Retained earnings to average equity (ytd only) | 7.6711% | 1,302 |
| Net charge-offs to loans | 0.7218% | 285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.0109% | 3,340 |
| Efficiency ratio | 72.6644% | 2,570 |
| Assets per employee ($millions) | 4.8911% | 2,426 |
| Cash dividends to net income (ytd only)* | 10.7345% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 2,214 |
| Loan loss allowance to noncurrent loans | 122.7122% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 2,193 |
| Noncurrent loans to loans | 1.1553% | 1,986 |
| Net loans and leases to total assets | 83.2811% | 485 |
| Net loans and leases to deposits | 100.2279% | 680 |
| Net loans and leases to core deposits | 105.6328% | 1,205 |
| Total domestic deposits to total assets | 83.0918% | 3,612 |
| Equity capital to assets | 9.0626% | 5,196 |
| Core capital (leverage) ratio | 8.9666% | 4,869 |
| Tier 1 risk-based capital ratio | 11.0851% | 5,374 |
| Total risk-based capital ratio | 12.3368% | 5,292 |
| Memoranda: | ||
| Average total assets | $94,532,330 | 4,528 |
| Average earning assets | $87,996,670 | 4,501 |
| Average equity | $8,238,670 | 4,984 |
| Average total loans | $76,202,330 | 3,948 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 1,781 |
| Cost of funding earning assets | 0.5871% | 1,430 |
| Net interest margin | 3.8208% | 2,218 |
| Noninterest income to average assets | 0.5077% | 3,063 |
| Noninterest expense to average assets | 2.9832% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6881% | 3,770 |
| Return on assets (ROA) | 0.6881% | 3,886 |
| Pretax return on assets | 1.0741% | 3,187 |
| Return on Equity (ROE) | 8.0520% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.0520% | 1,437 |
| Net charge-offs to loans | -0.0160% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5264% | 2,551 |
| Assets per employee ($millions) | 5.3266% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 1,105 |
| Loan loss allowance to noncurrent loans | 114.6865% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 1,718 |
| Noncurrent loans to loans | 1.5916% | 1,461 |
| Net loans and leases to total assets | 77.9722% | 1,106 |
| Net loans and leases to deposits | 91.3779% | 1,420 |
| Net loans and leases to core deposits | 95.6609% | 1,831 |
| Total domestic deposits to total assets | 85.3294% | 2,990 |
| Equity capital to assets | 8.5963% | 5,496 |
| Core capital (leverage) ratio | 8.8237% | 5,059 |
| Tier 1 risk-based capital ratio | 10.9702% | 5,521 |
| Total risk-based capital ratio | 12.2266% | 5,425 |
| Memoranda: | ||
| Average total assets | $95,333,000 | 4,546 |
| Average earning assets | $88,567,000 | 4,536 |
| Average equity | $8,147,000 | 5,027 |
| Average total loans | $75,050,000 | 3,997 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,230 |
| Cost of funding earning assets | 0.6273% | 1,195 |
| Net interest margin | 4.0162% | 1,664 |
| Noninterest income to average assets | 0.7190% | 2,108 |
| Noninterest expense to average assets | 3.1396% | 2,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8236% | 3,228 |
| Return on assets (ROA) | 0.8236% | 3,310 |
| Pretax return on assets | 1.2843% | 2,337 |
| Return on Equity (ROE) | 9.4212% | 2,261 |
| Retained earnings to average equity (ytd only) | 5.4236% | 2,124 |
| Net charge-offs to loans | 0.0866% | 2,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.6129% | 2,000 |
| Efficiency ratio | 70.9686% | 3,076 |
| Assets per employee ($millions) | 5.2659% | 2,045 |
| Cash dividends to net income (ytd only)* | 42.4324% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 997 |
| Loan loss allowance to noncurrent loans | 111.4859% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 1,618 |
| Noncurrent loans to loans | 1.6835% | 1,350 |
| Net loans and leases to total assets | 76.5537% | 1,324 |
| Net loans and leases to deposits | 90.0867% | 1,600 |
| Net loans and leases to core deposits | 94.3786% | 2,014 |
| Total domestic deposits to total assets | 84.9779% | 3,100 |
| Equity capital to assets | 8.4948% | 5,567 |
| Core capital (leverage) ratio | 8.6619% | 5,263 |
| Tier 1 risk-based capital ratio | 11.6785% | 5,144 |
| Total risk-based capital ratio | 12.9372% | 5,056 |
| Memoranda: | ||
| Average total assets | $89,852,000 | 4,679 |
| Average earning assets | $82,888,400 | 4,658 |
| Average equity | $7,854,600 | 5,086 |
| Average total loans | $71,575,400 | 4,053 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6650% | 1,167 |
| Cost of funding earning assets | 0.6317% | 1,201 |
| Net interest margin | 4.0333% | 1,603 |
| Noninterest income to average assets | 0.7101% | 2,183 |
| Noninterest expense to average assets | 3.1926% | 1,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7538% | 3,663 |
| Return on assets (ROA) | 0.7538% | 3,762 |
| Pretax return on assets | 1.2352% | 2,678 |
| Return on Equity (ROE) | 8.5581% | 2,791 |
| Retained earnings to average equity (ytd only) | 6.6108% | 1,881 |
| Net charge-offs to loans | -0.1240% | 5,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1033% | 2,863 |
| Assets per employee ($millions) | 4.7887% | 2,576 |
| Cash dividends to net income (ytd only)* | 22.7552% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 868 |
| Loan loss allowance to noncurrent loans | 110.6492% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.5068% | 1,495 |
| Noncurrent loans to loans | 1.8398% | 1,278 |
| Net loans and leases to total assets | 80.2321% | 794 |
| Net loans and leases to deposits | 94.9853% | 1,097 |
| Net loans and leases to core deposits | 100.0713% | 1,510 |
| Total domestic deposits to total assets | 84.4679% | 3,233 |
| Equity capital to assets | 8.8200% | 5,472 |
| Core capital (leverage) ratio | 8.9806% | 5,014 |
| Tier 1 risk-based capital ratio | 11.8381% | 5,175 |
| Total risk-based capital ratio | 13.0995% | 5,093 |
| Memoranda: | ||
| Average total assets | $88,618,250 | 4,760 |
| Average earning assets | $81,683,500 | 4,741 |
| Average equity | $7,805,250 | 5,160 |
| Average total loans | $70,981,500 | 4,111 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 1,323 |
| Cost of funding earning assets | 0.6381% | 1,181 |
| Net interest margin | 3.9423% | 1,846 |
| Noninterest income to average assets | 0.6854% | 2,277 |
| Noninterest expense to average assets | 3.2632% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6422% | 4,158 |
| Return on assets (ROA) | 0.6422% | 4,266 |
| Pretax return on assets | 1.0520% | 3,375 |
| Return on Equity (ROE) | 7.2944% | 3,443 |
| Retained earnings to average equity (ytd only) | 5.3285% | 2,653 |
| Net charge-offs to loans | -0.1805% | 5,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6201% | 2,429 |
| Assets per employee ($millions) | 4.8063% | 2,534 |
| Cash dividends to net income (ytd only)* | 26.9504% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1857% | 750 |
| Loan loss allowance to noncurrent loans | 105.1389% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.6645% | 1,434 |
| Noncurrent loans to loans | 2.0788% | 1,158 |
| Net loans and leases to total assets | 78.3189% | 1,031 |
| Net loans and leases to deposits | 93.2829% | 1,223 |
| Net loans and leases to core deposits | 98.5814% | 1,605 |
| Total domestic deposits to total assets | 83.9585% | 3,585 |
| Equity capital to assets | 9.0403% | 5,198 |
| Core capital (leverage) ratio | 8.9274% | 5,053 |
| Tier 1 risk-based capital ratio | 12.5955% | 4,745 |
| Total risk-based capital ratio | 13.8592% | 4,659 |
| Memoranda: | ||
| Average total assets | $87,829,000 | 4,820 |
| Average earning assets | $80,866,670 | 4,805 |
| Average equity | $7,732,000 | 5,213 |
| Average total loans | $69,803,000 | 4,165 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 1,302 |
| Cost of funding earning assets | 0.6261% | 1,261 |
| Net interest margin | 3.9392% | 1,749 |
| Noninterest income to average assets | 0.6735% | 2,288 |
| Noninterest expense to average assets | 3.2818% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6148% | 4,219 |
| Return on assets (ROA) | 0.6148% | 4,309 |
| Pretax return on assets | 1.0035% | 3,486 |
| Return on Equity (ROE) | 7.0764% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.0992% | 3,003 |
| Net charge-offs to loans | -0.2683% | 6,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5823% | 2,414 |
| Assets per employee ($millions) | 4.8543% | 2,555 |
| Cash dividends to net income (ytd only)* | 27.9412% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 854 |
| Loan loss allowance to noncurrent loans | 97.6517% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.7545% | 1,405 |
| Noncurrent loans to loans | 2.2054% | 1,150 |
| Net loans and leases to total assets | 77.8386% | 956 |
| Net loans and leases to deposits | 93.1736% | 1,072 |
| Net loans and leases to core deposits | 98.0721% | 1,466 |
| Total domestic deposits to total assets | 83.5414% | 3,997 |
| Equity capital to assets | 8.8593% | 5,435 |
| Core capital (leverage) ratio | 8.8138% | 5,187 |
| Tier 1 risk-based capital ratio | 12.1484% | 5,155 |
| Total risk-based capital ratio | 13.4110% | 5,045 |
| Memoranda: | ||
| Average total assets | $88,487,000 | 4,850 |
| Average earning assets | $81,134,000 | 4,843 |
| Average equity | $7,687,500 | 5,260 |
| Average total loans | $70,069,500 | 4,178 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0312% | 722 |
| Cost of funding earning assets | 0.6080% | 1,702 |
| Net interest margin | 4.4232% | 854 |
| Noninterest income to average assets | 0.7356% | 2,144 |
| Noninterest expense to average assets | 3.4975% | 1,487 |
| Loan and lease loss provision to assets | 0.0658% | 3,187 |
| Net operating income to assets | 0.8172% | 3,292 |
| Return on assets (ROA) | 0.8196% | 3,368 |
| Pretax return on assets | 1.2604% | 2,388 |
| Return on Equity (ROE) | 10.0083% | 2,122 |
| Retained earnings to average equity (ytd only) | 5.6511% | 2,169 |
| Net charge-offs to loans | -0.0470% | 5,913 |
| Credit loss provision to net charge-offs | -163.6364% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5619% | 3,111 |
| Assets per employee ($millions) | 4.7156% | 2,702 |
| Cash dividends to net income (ytd only)* | 43.5364% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 1,020 |
| Loan loss allowance to noncurrent loans | 77.0170% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.3360% | 1,008 |
| Noncurrent loans to loans | 2.6675% | 916 |
| Net loans and leases to total assets | 77.2102% | 1,106 |
| Net loans and leases to deposits | 91.8747% | 1,302 |
| Net loans and leases to core deposits | 96.5499% | 1,676 |
| Total domestic deposits to total assets | 84.0385% | 3,705 |
| Equity capital to assets | 8.5204% | 5,736 |
| Core capital (leverage) ratio | 8.9511% | 5,061 |
| Tier 1 risk-based capital ratio | 11.9066% | 5,424 |
| Total risk-based capital ratio | 13.1695% | 5,322 |
| Memoranda: | ||
| Average total assets | $82,115,200 | 5,009 |
| Average earning assets | $75,826,600 | 4,994 |
| Average equity | $6,724,400 | 5,474 |
| Average total loans | $70,164,200 | 4,180 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 665 |
| Cost of funding earning assets | 0.6143% | 1,726 |
| Net interest margin | 4.4722% | 791 |
| Noninterest income to average assets | 0.6796% | 2,426 |
| Noninterest expense to average assets | 3.5956% | 1,304 |
| Loan and lease loss provision to assets | 0.0897% | 2,561 |
| Net operating income to assets | 0.6980% | 3,950 |
| Return on assets (ROA) | 0.7012% | 4,032 |
| Pretax return on assets | 1.1481% | 2,994 |
| Return on Equity (ROE) | 8.6602% | 2,867 |
| Retained earnings to average equity (ytd only) | 7.4288% | 1,604 |
| Net charge-offs to loans | -0.1637% | 6,263 |
| Credit loss provision to net charge-offs | -62.7907% | 5,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4666% | 2,743 |
| Assets per employee ($millions) | 4.0779% | 3,712 |
| Cash dividends to net income (ytd only)* | 14.2184% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 1,154 |
| Loan loss allowance to noncurrent loans | 68.3947% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.6963% | 935 |
| Noncurrent loans to loans | 3.0085% | 887 |
| Net loans and leases to total assets | 87.7779% | 125 |
| Net loans and leases to deposits | 105.6914% | 339 |
| Net loans and leases to core deposits | 111.2961% | 695 |
| Total domestic deposits to total assets | 83.0511% | 4,126 |
| Equity capital to assets | 8.6945% | 5,643 |
| Core capital (leverage) ratio | 8.5352% | 5,617 |
| Tier 1 risk-based capital ratio | 10.8400% | 6,072 |
| Total risk-based capital ratio | 12.1029% | 6,015 |
| Memoranda: | ||
| Average total assets | $80,244,750 | 5,117 |
| Average earning assets | $74,442,750 | 5,088 |
| Average equity | $6,497,000 | 5,576 |
| Average total loans | $70,048,000 | 4,219 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0843% | 637 |
| Cost of funding earning assets | 0.6139% | 1,778 |
| Net interest margin | 4.4704% | 749 |
| Noninterest income to average assets | 0.6691% | 2,432 |
| Noninterest expense to average assets | 3.6738% | 1,183 |
| Loan and lease loss provision to assets | 0.1353% | 1,829 |
| Net operating income to assets | 0.6317% | 4,196 |
| Return on assets (ROA) | 0.6365% | 4,275 |
| Pretax return on assets | 1.0099% | 3,439 |
| Return on Equity (ROE) | 8.0648% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.7947% | 1,872 |
| Net charge-offs to loans | -0.2434% | 6,389 |
| Credit loss provision to net charge-offs | -64.2857% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3542% | 2,563 |
| Assets per employee ($millions) | 4.0882% | 3,668 |
| Cash dividends to net income (ytd only)* | 15.7480% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0948% | 1,181 |
| Loan loss allowance to noncurrent loans | 67.5056% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.7213% | 969 |
| Noncurrent loans to loans | 3.1032% | 917 |
| Net loans and leases to total assets | 85.8567% | 185 |
| Net loans and leases to deposits | 108.2182% | 241 |
| Net loans and leases to core deposits | 113.6955% | 554 |
| Total domestic deposits to total assets | 79.3366% | 5,378 |
| Equity capital to assets | 7.8569% | 6,233 |
| Core capital (leverage) ratio | 8.1369% | 5,994 |
| Tier 1 risk-based capital ratio | 9.9631% | 6,411 |
| Total risk-based capital ratio | 11.2271% | 6,362 |
| Memoranda: | ||
| Average total assets | $79,807,330 | 5,160 |
| Average earning assets | $73,953,330 | 5,142 |
| Average equity | $6,299,000 | 5,656 |
| Average total loans | $69,033,000 | 4,267 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 747 |
| Cost of funding earning assets | 0.6300% | 1,733 |
| Net interest margin | 4.3503% | 897 |
| Noninterest income to average assets | 0.6952% | 2,198 |
| Noninterest expense to average assets | 3.4809% | 1,526 |
| Loan and lease loss provision to assets | 0.2740% | 756 |
| Net operating income to assets | 0.6140% | 4,133 |
| Return on assets (ROA) | 0.6140% | 4,208 |
| Pretax return on assets | 1.0047% | 3,303 |
| Return on Equity (ROE) | 7.7608% | 3,063 |
| Retained earnings to average equity (ytd only) | 6.4780% | 2,297 |
| Net charge-offs to loans | -0.0118% | 5,117 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1343% | 3,289 |
| Assets per employee ($millions) | 3.7101% | 4,497 |
| Cash dividends to net income (ytd only)* | 16.5289% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 1,421 |
| Loan loss allowance to noncurrent loans | 70.7171% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.5772% | 1,218 |
| Noncurrent loans to loans | 2.8986% | 1,121 |
| Net loans and leases to total assets | 87.0920% | 108 |
| Net loans and leases to deposits | 106.7573% | 224 |
| Net loans and leases to core deposits | 110.8849% | 557 |
| Total domestic deposits to total assets | 81.5795% | 5,067 |
| Equity capital to assets | 8.0795% | 5,995 |
| Core capital (leverage) ratio | 8.0582% | 6,080 |
| Tier 1 risk-based capital ratio | 10.2420% | 6,412 |
| Total risk-based capital ratio | 11.5048% | 6,362 |
| Memoranda: | ||
| Average total assets | $78,829,500 | 5,232 |
| Average earning assets | $73,650,000 | 5,187 |
| Average equity | $6,236,500 | 5,702 |
| Average total loans | $67,699,000 | 4,333 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 905 |
| Cost of funding earning assets | 0.7189% | 1,684 |
| Net interest margin | 4.2916% | 1,129 |
| Noninterest income to average assets | 0.8559% | 1,843 |
| Noninterest expense to average assets | 3.6004% | 1,450 |
| Loan and lease loss provision to assets | 0.7910% | 275 |
| Net operating income to assets | 0.3262% | 5,431 |
| Return on assets (ROA) | 0.3357% | 5,495 |
| Pretax return on assets | 0.4947% | 5,221 |
| Return on Equity (ROE) | 4.1435% | 5,040 |
| Retained earnings to average equity (ytd only) | -0.2354% | 5,923 |
| Net charge-offs to loans | -0.0279% | 6,214 |
| Credit loss provision to net charge-offs | -3,455.5556% | 6,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8972% | 3,143 |
| Assets per employee ($millions) | 3.7974% | 4,271 |
| Cash dividends to net income (ytd only)* | 105.6818% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0629% | 1,413 |
| Loan loss allowance to noncurrent loans | 67.5582% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.5318% | 1,345 |
| Noncurrent loans to loans | 3.0534% | 1,132 |
| Net loans and leases to total assets | 81.2053% | 475 |
| Net loans and leases to deposits | 96.1101% | 724 |
| Net loans and leases to core deposits | 99.6078% | 1,190 |
| Total domestic deposits to total assets | 84.4920% | 3,967 |
| Equity capital to assets | 7.7471% | 6,161 |
| Core capital (leverage) ratio | 7.8390% | 6,224 |
| Tier 1 risk-based capital ratio | 10.6079% | 6,333 |
| Total risk-based capital ratio | 11.8720% | 6,284 |
| Memoranda: | ||
| Average total assets | $78,630,200 | 5,270 |
| Average earning assets | $73,586,200 | 5,205 |
| Average equity | $6,371,400 | 5,723 |
| Average total loans | $64,522,000 | 4,462 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 944 |
| Cost of funding earning assets | 0.7380% | 1,680 |
| Net interest margin | 4.2626% | 1,181 |
| Noninterest income to average assets | 0.8968% | 1,765 |
| Noninterest expense to average assets | 3.5021% | 1,610 |
| Loan and lease loss provision to assets | 0.2876% | 1,196 |
| Net operating income to assets | 0.6704% | 4,014 |
| Return on assets (ROA) | 0.6824% | 4,082 |
| Pretax return on assets | 1.1163% | 3,040 |
| Return on Equity (ROE) | 8.3282% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.4975% | 1,642 |
| Net charge-offs to loans | -0.0250% | 6,115 |
| Credit loss provision to net charge-offs | -1,408.3333% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6574% | 3,468 |
| Assets per employee ($millions) | 3.7199% | 4,418 |
| Cash dividends to net income (ytd only)* | 9.9747% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,846 |
| Loan loss allowance to noncurrent loans | 43.4887% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 2.7139% | 1,386 |
| Noncurrent loans to loans | 3.2456% | 1,208 |
| Net loans and leases to total assets | 80.9209% | 458 |
| Net loans and leases to deposits | 96.7981% | 637 |
| Net loans and leases to core deposits | 100.0332% | 1,114 |
| Total domestic deposits to total assets | 83.5977% | 4,348 |
| Equity capital to assets | 8.3951% | 5,838 |
| Core capital (leverage) ratio | 8.3465% | 5,921 |
| Tier 1 risk-based capital ratio | 11.6583% | 5,974 |
| Total risk-based capital ratio | 12.9119% | 5,933 |
| Memoranda: | ||
| Average total assets | $78,351,250 | 5,329 |
| Average earning assets | $73,350,000 | 5,262 |
| Average equity | $6,419,750 | 5,786 |
| Average total loans | $64,122,000 | 4,525 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 899 |
| Cost of funding earning assets | 0.7469% | 1,730 |
| Net interest margin | 4.2604% | 1,116 |
| Noninterest income to average assets | 0.8492% | 2,002 |
| Noninterest expense to average assets | 3.5063% | 1,590 |
| Loan and lease loss provision to assets | 0.0867% | 3,345 |
| Net operating income to assets | 0.7573% | 3,525 |
| Return on assets (ROA) | 0.7752% | 3,583 |
| Pretax return on assets | 1.2699% | 2,406 |
| Return on Equity (ROE) | 9.5392% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.2841% | 1,370 |
| Net charge-offs to loans | -0.0281% | 6,083 |
| Credit loss provision to net charge-offs | -377.7778% | 5,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5211% | 3,384 |
| Assets per employee ($millions) | 3.5490% | 4,759 |
| Cash dividends to net income (ytd only)* | 13.1579% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,992 |
| Loan loss allowance to noncurrent loans | 36.6507% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 2.7268% | 1,525 |
| Noncurrent loans to loans | 3.2743% | 1,342 |
| Net loans and leases to total assets | 80.7718% | 464 |
| Net loans and leases to deposits | 96.9425% | 609 |
| Net loans and leases to core deposits | 100.1938% | 1,063 |
| Total domestic deposits to total assets | 83.3192% | 4,582 |
| Equity capital to assets | 8.2738% | 5,993 |
| Core capital (leverage) ratio | 8.2878% | 5,897 |
| Tier 1 risk-based capital ratio | 11.5105% | 6,108 |
| Total risk-based capital ratio | 12.7595% | 6,070 |
| Memoranda: | ||
| Average total assets | $78,429,330 | 5,364 |
| Average earning assets | $73,373,000 | 5,292 |
| Average equity | $6,373,670 | 5,831 |
| Average total loans | $64,123,330 | 4,530 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 675 |
| Cost of funding earning assets | 0.7533% | 1,822 |
| Net interest margin | 4.3997% | 807 |
| Noninterest income to average assets | 0.8295% | 2,001 |
| Noninterest expense to average assets | 3.4553% | 1,712 |
| Loan and lease loss provision to assets | 0.1730% | 2,134 |
| Net operating income to assets | 0.7938% | 3,200 |
| Return on assets (ROA) | 0.7938% | 3,335 |
| Pretax return on assets | 1.3027% | 2,222 |
| Return on Equity (ROE) | 9.8570% | 2,115 |
| Retained earnings to average equity (ytd only) | 9.8570% | 1,140 |
| Net charge-offs to loans | -0.0436% | 6,075 |
| Credit loss provision to net charge-offs | -485.7143% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0722% | 3,956 |
| Assets per employee ($millions) | 3.6987% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 5,264 |
| Loan loss allowance to noncurrent loans | 126.6556% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 4,429 |
| Noncurrent loans to loans | 0.9326% | 4,269 |
| Net loans and leases to total assets | 82.3929% | 265 |
| Net loans and leases to deposits | 99.4793% | 373 |
| Net loans and leases to core deposits | 102.8329% | 783 |
| Total domestic deposits to total assets | 82.8241% | 4,915 |
| Equity capital to assets | 8.2500% | 6,218 |
| Core capital (leverage) ratio | 8.2884% | 5,841 |
| Tier 1 risk-based capital ratio | 11.0824% | 6,372 |
| Total risk-based capital ratio | 12.3328% | 6,342 |
| Memoranda: | ||
| Average total assets | $78,605,000 | 5,399 |
| Average earning assets | $73,277,000 | 5,341 |
| Average equity | $6,330,500 | 5,905 |
| Average total loans | $64,269,500 | 4,555 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 559 |
| Cost of funding earning assets | 0.8727% | 2,120 |
| Net interest margin | 4.6839% | 669 |
| Noninterest income to average assets | 1.0995% | 1,283 |
| Noninterest expense to average assets | 3.6014% | 1,606 |
| Loan and lease loss provision to assets | 0.2986% | 2,286 |
| Net operating income to assets | 0.9679% | 2,469 |
| Return on assets (ROA) | 0.9679% | 2,704 |
| Pretax return on assets | 1.5439% | 1,545 |
| Return on Equity (ROE) | 11.0705% | 1,783 |
| Retained earnings to average equity (ytd only) | 3.8682% | 3,471 |
| Net charge-offs to loans | 0.5812% | 1,984 |
| Credit loss provision to net charge-offs | 59.7734% | 4,453 |
| Earnings coverage of net charge-offs (x) | 3.6884% | 3,639 |
| Efficiency ratio | 66.1554% | 4,470 |
| Assets per employee ($millions) | 3.7875% | 4,390 |
| Cash dividends to net income (ytd only)* | 65.0585% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,421 |
| Loan loss allowance to noncurrent loans | 118.3306% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 4,542 |
| Noncurrent loans to loans | 0.9580% | 4,283 |
| Net loans and leases to total assets | 79.2763% | 538 |
| Net loans and leases to deposits | 95.4409% | 654 |
| Net loans and leases to core deposits | 98.5712% | 1,103 |
| Total domestic deposits to total assets | 83.0632% | 4,695 |
| Equity capital to assets | 7.8617% | 6,476 |
| Core capital (leverage) ratio | 8.4608% | 5,679 |
| Tier 1 risk-based capital ratio | 10.6923% | 6,478 |
| Total risk-based capital ratio | 11.9361% | 6,445 |
| Memoranda: | ||
| Average total assets | $70,666,600 | 5,611 |
| Average earning assets | $65,543,000 | 5,567 |
| Average equity | $6,178,600 | 5,975 |
| Average total loans | $60,733,400 | 4,682 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6666% | 495 |
| Cost of funding earning assets | 0.8959% | 2,199 |
| Net interest margin | 4.7706% | 585 |
| Noninterest income to average assets | 1.1259% | 1,187 |
| Noninterest expense to average assets | 3.7224% | 1,332 |
| Loan and lease loss provision to assets | 0.4110% | 1,558 |
| Net operating income to assets | 0.8746% | 3,111 |
| Return on assets (ROA) | 0.8746% | 3,356 |
| Pretax return on assets | 1.4317% | 2,140 |
| Return on Equity (ROE) | 9.7183% | 2,489 |
| Retained earnings to average equity (ytd only) | 6.9912% | 2,136 |
| Net charge-offs to loans | -0.0245% | 6,539 |
| Credit loss provision to net charge-offs | -1,918.1818% | 6,602 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8883% | 4,270 |
| Assets per employee ($millions) | 3.3135% | 5,415 |
| Cash dividends to net income (ytd only)* | 28.0631% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 3,098 |
| Loan loss allowance to noncurrent loans | 110.4569% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.4156% | 3,479 |
| Noncurrent loans to loans | 1.5524% | 3,454 |
| Net loans and leases to total assets | 89.6225% | 52 |
| Net loans and leases to deposits | 110.7929% | 144 |
| Net loans and leases to core deposits | 114.0094% | 431 |
| Total domestic deposits to total assets | 80.8919% | 5,399 |
| Equity capital to assets | 9.1172% | 5,686 |
| Core capital (leverage) ratio | 9.1586% | 4,817 |
| Tier 1 risk-based capital ratio | 11.1013% | 6,441 |
| Total risk-based capital ratio | 12.3596% | 6,411 |
| Memoranda: | ||
| Average total assets | $68,449,000 | 5,728 |
| Average earning assets | $63,693,500 | 5,674 |
| Average equity | $6,160,000 | 6,049 |
| Average total loans | $59,972,500 | 4,765 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6388% | 540 |
| Cost of funding earning assets | 0.9018% | 2,384 |
| Net interest margin | 4.7370% | 625 |
| Noninterest income to average assets | 1.0695% | 1,252 |
| Noninterest expense to average assets | 3.7490% | 1,295 |
| Loan and lease loss provision to assets | 0.5289% | 1,188 |
| Net operating income to assets | 0.7492% | 3,607 |
| Return on assets (ROA) | 0.7492% | 3,883 |
| Pretax return on assets | 1.1899% | 2,969 |
| Return on Equity (ROE) | 8.3625% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.2632% | 3,771 |
| Net charge-offs to loans | -0.0272% | 6,503 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5653% | 4,030 |
| Assets per employee ($millions) | 3.2464% | 5,563 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 2,976 |
| Loan loss allowance to noncurrent loans | 195.5473% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 4,817 |
| Noncurrent loans to loans | 0.9009% | 4,693 |
| Net loans and leases to total assets | 86.2090% | 130 |
| Net loans and leases to deposits | 105.2600% | 248 |
| Net loans and leases to core deposits | 108.3413% | 647 |
| Total domestic deposits to total assets | 81.9010% | 5,170 |
| Equity capital to assets | 9.0106% | 5,687 |
| Core capital (leverage) ratio | 9.0640% | 4,816 |
| Tier 1 risk-based capital ratio | 11.4757% | 6,230 |
| Total risk-based capital ratio | 12.7351% | 6,204 |
| Memoranda: | ||
| Average total assets | $68,071,000 | 5,780 |
| Average earning assets | $63,205,000 | 5,727 |
| Average equity | $6,098,670 | 6,089 |
| Average total loans | $58,813,330 | 4,833 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5655% | 676 |
| Cost of funding earning assets | 0.8938% | 2,740 |
| Net interest margin | 4.6718% | 724 |
| Noninterest income to average assets | 1.0879% | 1,217 |
| Noninterest expense to average assets | 3.6696% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0703% | 2,202 |
| Return on assets (ROA) | 1.0703% | 2,392 |
| Pretax return on assets | 1.7525% | 1,190 |
| Return on Equity (ROE) | 11.9806% | 1,678 |
| Retained earnings to average equity (ytd only) | 9.0183% | 1,589 |
| Net charge-offs to loans | -0.0343% | 6,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6790% | 4,239 |
| Assets per employee ($millions) | 3.1491% | 5,866 |
| Cash dividends to net income (ytd only)* | 24.7253% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 4,195 |
| Loan loss allowance to noncurrent loans | 136.7347% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 4,580 |
| Noncurrent loans to loans | 1.0911% | 4,508 |
| Net loans and leases to total assets | 86.9609% | 93 |
| Net loans and leases to deposits | 107.1550% | 182 |
| Net loans and leases to core deposits | 108.1932% | 604 |
| Total domestic deposits to total assets | 81.1544% | 5,560 |
| Equity capital to assets | 9.2966% | 5,098 |
| Core capital (leverage) ratio | 9.1146% | 4,662 |
| Tier 1 risk-based capital ratio | 11.8322% | 6,063 |
| Total risk-based capital ratio | 13.0885% | 6,044 |
| Memoranda: | ||
| Average total assets | $68,019,000 | 5,828 |
| Average earning assets | $63,102,500 | 5,774 |
| Average equity | $6,076,500 | 6,126 |
| Average total loans | $58,306,500 | 4,889 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6021% | 951 |
| Cost of funding earning assets | 1.1251% | 2,499 |
| Net interest margin | 4.4770% | 1,190 |
| Noninterest income to average assets | 1.1386% | 1,012 |
| Noninterest expense to average assets | 3.8363% | 1,280 |
| Loan and lease loss provision to assets | 0.1460% | 4,786 |
| Net operating income to assets | 0.8248% | 2,931 |
| Return on assets (ROA) | 0.8248% | 3,096 |
| Pretax return on assets | 1.3211% | 2,049 |
| Return on Equity (ROE) | 9.6377% | 2,194 |
| Retained earnings to average equity (ytd only) | 6.1408% | 1,933 |
| Net charge-offs to loans | 0.0448% | 5,860 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 40.2000% | 672 |
| Efficiency ratio | 72.3369% | 3,511 |
| Assets per employee ($millions) | 3.3289% | 5,436 |
| Cash dividends to net income (ytd only)* | 36.2832% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 4,083 |
| Loan loss allowance to noncurrent loans | 470.6522% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 6,309 |
| Noncurrent loans to loans | 0.3160% | 6,099 |
| Net loans and leases to total assets | 82.0631% | 336 |
| Net loans and leases to deposits | 100.3218% | 441 |
| Net loans and leases to core deposits | 101.2335% | 1,075 |
| Total domestic deposits to total assets | 81.7998% | 5,191 |
| Equity capital to assets | 8.5901% | 6,025 |
| Core capital (leverage) ratio | 8.8801% | 4,978 |
| Tier 1 risk-based capital ratio | 11.4646% | 6,182 |
| Total risk-based capital ratio | 12.7193% | 6,168 |
| Memoranda: | ||
| Average total assets | $68,503,600 | 5,794 |
| Average earning assets | $63,725,600 | 5,745 |
| Average equity | $5,862,400 | 6,194 |
| Average total loans | $55,792,800 | 5,036 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5981% | 1,036 |
| Cost of funding earning assets | 1.1629% | 2,545 |
| Net interest margin | 4.4353% | 1,303 |
| Noninterest income to average assets | 1.0740% | 1,166 |
| Noninterest expense to average assets | 3.7386% | 1,419 |
| Loan and lease loss provision to assets | 0.1076% | 5,092 |
| Net operating income to assets | 0.8314% | 3,014 |
| Return on assets (ROA) | 0.8314% | 3,178 |
| Pretax return on assets | 1.3616% | 2,079 |
| Return on Equity (ROE) | 9.7250% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.7250% | 922 |
| Net charge-offs to loans | -0.0048% | 6,713 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7881% | 3,594 |
| Assets per employee ($millions) | 3.1953% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 4,222 |
| Loan loss allowance to noncurrent loans | 952.8090% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 6,716 |
| Noncurrent loans to loans | 0.1550% | 6,562 |
| Net loans and leases to total assets | 84.3194% | 202 |
| Net loans and leases to deposits | 104.1893% | 311 |
| Net loans and leases to core deposits | 104.6847% | 943 |
| Total domestic deposits to total assets | 80.9290% | 5,459 |
| Equity capital to assets | 9.0608% | 5,675 |
| Core capital (leverage) ratio | 9.1540% | 4,703 |
| Tier 1 risk-based capital ratio | 11.6627% | 6,133 |
| Total risk-based capital ratio | 12.9176% | 6,121 |
| Memoranda: | ||
| Average total assets | $68,153,000 | 5,834 |
| Average earning assets | $63,519,500 | 5,788 |
| Average equity | $5,826,750 | 6,245 |
| Average total loans | $55,182,750 | 5,108 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 1,489 |
| Cost of funding earning assets | 1.1865% | 2,667 |
| Net interest margin | 4.2387% | 1,883 |
| Noninterest income to average assets | 0.9839% | 1,367 |
| Noninterest expense to average assets | 3.7633% | 1,414 |
| Loan and lease loss provision to assets | 0.1168% | 4,814 |
| Net operating income to assets | 0.6394% | 3,863 |
| Return on assets (ROA) | 0.6394% | 3,987 |
| Pretax return on assets | 1.0569% | 3,020 |
| Return on Equity (ROE) | 7.6276% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.6276% | 1,610 |
| Net charge-offs to loans | -0.0184% | 6,802 |
| Credit loss provision to net charge-offs | -800.0000% | 6,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2271% | 2,975 |
| Assets per employee ($millions) | 3.0196% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,245 |
| Loan loss allowance to noncurrent loans | 900.0000% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 6,740 |
| Noncurrent loans to loans | 0.1637% | 6,572 |
| Net loans and leases to total assets | 84.2365% | 231 |
| Net loans and leases to deposits | 104.6666% | 297 |
| Net loans and leases to core deposits | 108.2775% | 799 |
| Total domestic deposits to total assets | 80.4808% | 5,683 |
| Equity capital to assets | 8.8286% | 5,786 |
| Core capital (leverage) ratio | 8.7282% | 5,177 |
| Tier 1 risk-based capital ratio | 11.5562% | 6,126 |
| Total risk-based capital ratio | 12.8116% | 6,109 |
| Memoranda: | ||
| Average total assets | $68,503,330 | 5,872 |
| Average earning assets | $63,887,670 | 5,829 |
| Average equity | $5,742,330 | 6,307 |
| Average total loans | $54,434,330 | 5,191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 2,118 |
| Cost of funding earning assets | 1.2303% | 2,627 |
| Net interest margin | 3.9984% | 2,683 |
| Noninterest income to average assets | 0.9203% | 1,585 |
| Noninterest expense to average assets | 3.5261% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6903% | 3,550 |
| Return on assets (ROA) | 0.6903% | 3,623 |
| Pretax return on assets | 1.1332% | 2,633 |
| Return on Equity (ROE) | 8.4492% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.4492% | 1,572 |
| Net charge-offs to loans | -0.0451% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6790% | 3,211 |
| Assets per employee ($millions) | 2.9673% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5098% | 4,160 |
| Loan loss allowance to noncurrent loans | 102.7027% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 4,659 |
| Noncurrent loans to loans | 1.4700% | 4,263 |
| Net loans and leases to total assets | 76.2766% | 994 |
| Net loans and leases to deposits | 94.0915% | 812 |
| Net loans and leases to core deposits | 100.0307% | 1,334 |
| Total domestic deposits to total assets | 81.0664% | 5,636 |
| Equity capital to assets | 8.4060% | 6,042 |
| Core capital (leverage) ratio | 8.4931% | 5,466 |
| Tier 1 risk-based capital ratio | 12.0296% | 5,666 |
| Total risk-based capital ratio | 13.2847% | 5,655 |
| Memoranda: | ||
| Average total assets | $69,539,000 | 5,875 |
| Average earning assets | $65,026,000 | 5,825 |
| Average equity | $5,681,000 | 6,342 |
| Average total loans | $53,253,000 | 5,285 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1302% | 656 |
| Cost of funding earning assets | 1.5577% | 2,317 |
| Net interest margin | 4.5725% | 1,075 |
| Noninterest income to average assets | 1.2026% | 1,033 |
| Noninterest expense to average assets | 3.8800% | 1,345 |
| Loan and lease loss provision to assets | 1.0817% | 1,480 |
| Net operating income to assets | 0.2370% | 5,148 |
| Return on assets (ROA) | 0.2370% | 5,305 |
| Pretax return on assets | 0.3595% | 5,058 |
| Return on Equity (ROE) | 3.1077% | 4,914 |
| Retained earnings to average equity (ytd only) | 2.5862% | 4,049 |
| Net charge-offs to loans | 0.4463% | 3,828 |
| Credit loss provision to net charge-offs | 284.5188% | 958 |
| Earnings coverage of net charge-offs (x) | 3.7908% | 3,186 |
| Efficiency ratio | 72.9148% | 3,614 |
| Assets per employee ($millions) | 3.0795% | 5,920 |
| Cash dividends to net income (ytd only)* | 16.7785% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 4,141 |
| Loan loss allowance to noncurrent loans | 428.1081% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 6,528 |
| Noncurrent loans to loans | 0.3448% | 6,368 |
| Net loans and leases to total assets | 74.6276% | 1,553 |
| Net loans and leases to deposits | 94.9846% | 958 |
| Net loans and leases to core deposits | 102.5214% | 1,414 |
| Total domestic deposits to total assets | 78.5681% | 6,200 |
| Equity capital to assets | 7.9417% | 6,545 |
| Core capital (leverage) ratio | 8.3889% | 5,559 |
| Tier 1 risk-based capital ratio | 11.9944% | 5,479 |
| Total risk-based capital ratio | 13.2482% | 5,457 |
| Memoranda: | ||
| Average total assets | $62,861,600 | 6,093 |
| Average earning assets | $56,621,200 | 6,116 |
| Average equity | $4,794,600 | 6,729 |
| Average total loans | $53,546,200 | 5,338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3315% | 475 |
| Cost of funding earning assets | 1.6173% | 2,291 |
| Net interest margin | 4.7142% | 816 |
| Noninterest income to average assets | 1.1587% | 1,042 |
| Noninterest expense to average assets | 3.9690% | 1,080 |
| Loan and lease loss provision to assets | 1.2814% | 1,094 |
| Net operating income to assets | 0.0679% | 5,845 |
| Return on assets (ROA) | 0.0679% | 5,984 |
| Pretax return on assets | 0.1029% | 5,907 |
| Return on Equity (ROE) | 0.9010% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.9010% | 5,445 |
| Net charge-offs to loans | 0.5481% | 3,108 |
| Credit loss provision to net charge-offs | 265.9091% | 1,236 |
| Earnings coverage of net charge-offs (x) | 2.8727% | 3,693 |
| Efficiency ratio | 74.1408% | 3,305 |
| Assets per employee ($millions) | 2.7369% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,955 |
| Loan loss allowance to noncurrent loans | 212.4629% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5671% | 6,017 |
| Noncurrent loans to loans | 0.6126% | 5,978 |
| Net loans and leases to total assets | 86.2490% | 184 |
| Net loans and leases to deposits | 107.0743% | 321 |
| Net loans and leases to core deposits | 116.4315% | 733 |
| Total domestic deposits to total assets | 80.5506% | 5,523 |
| Equity capital to assets | 7.5967% | 7,064 |
| Core capital (leverage) ratio | 7.7617% | 6,612 |
| Tier 1 risk-based capital ratio | 9.9530% | 7,088 |
| Total risk-based capital ratio | 11.2059% | 7,074 |
| Memoranda: | ||
| Average total assets | $60,869,750 | 6,239 |
| Average earning assets | $54,161,500 | 6,274 |
| Average equity | $4,587,000 | 6,878 |
| Average total loans | $53,520,250 | 5,413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5968% | 290 |
| Cost of funding earning assets | 1.6672% | 2,305 |
| Net interest margin | 4.9296% | 500 |
| Noninterest income to average assets | 1.0502% | 1,218 |
| Noninterest expense to average assets | 4.0049% | 1,044 |
| Loan and lease loss provision to assets | 1.9443% | 631 |
| Net operating income to assets | -0.3855% | 6,553 |
| Return on assets (ROA) | -0.3855% | 6,592 |
| Pretax return on assets | -0.5849% | 6,649 |
| Return on Equity (ROE) | -5.1305% | 6,708 |
| Retained earnings to average equity (ytd only) | -5.1305% | 6,570 |
| Net charge-offs to loans | 0.6525% | 2,587 |
| Credit loss provision to net charge-offs | 338.1503% | 1,075 |
| Earnings coverage of net charge-offs (x) | 2.3642% | 3,814 |
| Efficiency ratio | 74.6592% | 3,339 |
| Assets per employee ($millions) | 2.6280% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,387 |
| Loan loss allowance to noncurrent loans | 229.8193% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 6,099 |
| Noncurrent loans to loans | 0.6126% | 6,023 |
| Net loans and leases to total assets | 88.4040% | 113 |
| Net loans and leases to deposits | 109.9035% | 278 |
| Net loans and leases to core deposits | 119.9282% | 696 |
| Total domestic deposits to total assets | 80.4378% | 5,581 |
| Equity capital to assets | 7.6684% | 7,012 |
| Core capital (leverage) ratio | 7.7014% | 6,607 |
| Tier 1 risk-based capital ratio | 9.6206% | 7,213 |
| Total risk-based capital ratio | 10.8743% | 7,213 |
| Memoranda: | ||
| Average total assets | $60,177,000 | 6,292 |
| Average earning assets | $52,661,670 | 6,381 |
| Average equity | $4,522,000 | 6,930 |
| Average total loans | $53,024,330 | 5,466 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3996% | 434 |
| Cost of funding earning assets | 1.7153% | 2,313 |
| Net interest margin | 4.6843% | 803 |
| Noninterest income to average assets | 0.9593% | 1,420 |
| Noninterest expense to average assets | 3.8572% | 1,233 |
| Loan and lease loss provision to assets | 3.8971% | 227 |
| Net operating income to assets | -1.8053% | 7,412 |
| Return on assets (ROA) | -1.8053% | 7,412 |
| Pretax return on assets | -2.7380% | 7,557 |
| Return on Equity (ROE) | -24.2750% | 7,491 |
| Retained earnings to average equity (ytd only) | -24.2750% | 7,448 |
| Net charge-offs to loans | 1.2815% | 1,332 |
| Credit loss provision to net charge-offs | 348.2143% | 1,164 |
| Earnings coverage of net charge-offs (x) | 1.0357% | 4,150 |
| Efficiency ratio | 76.8924% | 3,075 |
| Assets per employee ($millions) | 2.5866% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4454% | 4,185 |
| Loan loss allowance to noncurrent loans | 145.7306% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 5,386 |
| Noncurrent loans to loans | 0.9919% | 5,340 |
| Net loans and leases to total assets | 88.0217% | 121 |
| Net loans and leases to deposits | 108.4633% | 330 |
| Net loans and leases to core deposits | 118.3952% | 853 |
| Total domestic deposits to total assets | 81.1535% | 5,399 |
| Equity capital to assets | 7.5306% | 7,049 |
| Core capital (leverage) ratio | 7.5402% | 6,809 |
| Tier 1 risk-based capital ratio | 9.4966% | 7,307 |
| Total risk-based capital ratio | 10.7472% | 7,301 |
| Memoranda: | ||
| Average total assets | $60,044,000 | 6,380 |
| Average earning assets | $52,003,000 | 6,475 |
| Average equity | $4,465,500 | 7,014 |
| Average total loans | $52,438,000 | 5,559 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7750% | 400 |
| Cost of funding earning assets | 1.7401% | 4,305 |
| Net interest margin | 5.0349% | 416 |
| Noninterest income to average assets | 1.2551% | 959 |
| Noninterest expense to average assets | 4.4915% | 803 |
| Loan and lease loss provision to assets | 0.5783% | 3,494 |
| Net operating income to assets | 0.4778% | 3,824 |
| Return on assets (ROA) | 0.4778% | 3,924 |
| Pretax return on assets | 0.7167% | 3,518 |
| Return on Equity (ROE) | 5.9504% | 3,232 |
| Retained earnings to average equity (ytd only) | 4.5100% | 2,097 |
| Net charge-offs to loans | 0.3646% | 4,400 |
| Credit loss provision to net charge-offs | 177.3256% | 2,358 |
| Earnings coverage of net charge-offs (x) | 3.9709% | 3,121 |
| Efficiency ratio | 77.6212% | 3,255 |
| Assets per employee ($millions) | 2.8856% | 6,480 |
| Cash dividends to net income (ytd only)* | 24.2063% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6784% | 7,418 |
| Loan loss allowance to noncurrent loans | 64.5221% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 5,304 |
| Noncurrent loans to loans | 1.0513% | 5,216 |
| Net loans and leases to total assets | 84.8095% | 366 |
| Net loans and leases to deposits | 105.3050% | 585 |
| Net loans and leases to core deposits | 108.3625% | 3,064 |
| Total domestic deposits to total assets | 80.5370% | 5,495 |
| Equity capital to assets | 7.3452% | 7,164 |
| Core capital (leverage) ratio | 7.9889% | 6,215 |
| Tier 1 risk-based capital ratio | 9.4421% | 7,262 |
| Total risk-based capital ratio | 10.1867% | 7,518 |
| Memoranda: | ||
| Average total assets | $52,743,800 | 6,603 |
| Average earning assets | $47,468,800 | 6,618 |
| Average equity | $4,235,000 | 7,198 |
| Average total loans | $47,176,400 | 5,799 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7676% | 450 |
| Cost of funding earning assets | 1.7364% | 4,718 |
| Net interest margin | 5.0312% | 415 |
| Noninterest income to average assets | 1.1631% | 1,168 |
| Noninterest expense to average assets | 4.6605% | 632 |
| Loan and lease loss provision to assets | 0.6958% | 2,647 |
| Net operating income to assets | 0.1838% | 5,212 |
| Return on assets (ROA) | 0.1838% | 5,280 |
| Pretax return on assets | 0.4096% | 4,777 |
| Return on Equity (ROE) | 2.2322% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.2322% | 4,080 |
| Net charge-offs to loans | 0.4171% | 3,595 |
| Credit loss provision to net charge-offs | 184.0278% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.9235% | 3,769 |
| Efficiency ratio | 80.8288% | 2,731 |
| Assets per employee ($millions) | 2.2563% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6840% | 7,408 |
| Loan loss allowance to noncurrent loans | 44.6194% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 4,292 |
| Noncurrent loans to loans | 1.5330% | 4,349 |
| Net loans and leases to total assets | 91.1656% | 75 |
| Net loans and leases to deposits | 116.0480% | 270 |
| Net loans and leases to core deposits | 128.8309% | 1,510 |
| Total domestic deposits to total assets | 78.5585% | 5,938 |
| Equity capital to assets | 7.7190% | 7,131 |
| Core capital (leverage) ratio | 7.9285% | 6,470 |
| Tier 1 risk-based capital ratio | 9.4153% | 7,427 |
| Total risk-based capital ratio | 10.1811% | 7,669 |
| Memoranda: | ||
| Average total assets | $50,780,500 | 6,726 |
| Average earning assets | $46,455,500 | 6,714 |
| Average equity | $4,181,000 | 7,289 |
| Average total loans | $46,034,750 | 5,883 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8290% | 428 |
| Cost of funding earning assets | 1.7447% | 5,047 |
| Net interest margin | 5.0843% | 368 |
| Noninterest income to average assets | 1.1439% | 1,199 |
| Noninterest expense to average assets | 4.6117% | 690 |
| Loan and lease loss provision to assets | 0.3585% | 3,776 |
| Net operating income to assets | 0.5719% | 3,804 |
| Return on assets (ROA) | 0.5719% | 3,909 |
| Pretax return on assets | 0.8216% | 3,600 |
| Return on Equity (ROE) | 6.7921% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.7921% | 1,668 |
| Net charge-offs to loans | 0.0491% | 5,789 |
| Credit loss provision to net charge-offs | 809.0909% | 584 |
| Earnings coverage of net charge-offs (x) | 26.6364% | 1,076 |
| Efficiency ratio | 79.6245% | 3,108 |
| Assets per employee ($millions) | 2.1331% | 7,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6264% | 7,584 |
| Loan loss allowance to noncurrent loans | 45.5951% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 4,411 |
| Noncurrent loans to loans | 1.3738% | 4,464 |
| Net loans and leases to total assets | 91.4152% | 75 |
| Net loans and leases to deposits | 114.1269% | 393 |
| Net loans and leases to core deposits | 127.9458% | 1,713 |
| Total domestic deposits to total assets | 80.0996% | 5,437 |
| Equity capital to assets | 8.3055% | 6,321 |
| Core capital (leverage) ratio | 8.3795% | 5,658 |
| Tier 1 risk-based capital ratio | 9.9285% | 7,009 |
| Total risk-based capital ratio | 10.6174% | 7,474 |
| Memoranda: | ||
| Average total assets | $49,656,670 | 6,844 |
| Average earning assets | $45,394,330 | 6,819 |
| Average equity | $4,181,330 | 7,347 |
| Average total loans | $44,810,330 | 5,988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7572% | 516 |
| Cost of funding earning assets | 1.7252% | 5,490 |
| Net interest margin | 5.0320% | 373 |
| Noninterest income to average assets | 1.1373% | 1,142 |
| Noninterest expense to average assets | 4.4838% | 720 |
| Loan and lease loss provision to assets | 0.3764% | 3,070 |
| Net operating income to assets | 0.5891% | 4,061 |
| Return on assets (ROA) | 0.5891% | 4,256 |
| Pretax return on assets | 0.8591% | 3,859 |
| Return on Equity (ROE) | 6.9465% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.9465% | 2,231 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3977% | 3,105 |
| Assets per employee ($millions) | 2.2085% | 7,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 7,678 |
| Loan loss allowance to noncurrent loans | 17.5450% | 7,288 |
| Noncurrent assets plus other real estate owned to assets | 3.0852% | 1,830 |
| Noncurrent loans to loans | 3.3522% | 1,914 |
| Net loans and leases to total assets | 91.4936% | 79 |
| Net loans and leases to deposits | 114.7259% | 416 |
| Net loans and leases to core deposits | 128.2907% | 1,760 |
| Total domestic deposits to total assets | 79.7497% | 5,450 |
| Equity capital to assets | 8.6072% | 5,907 |
| Core capital (leverage) ratio | 8.5187% | 5,492 |
| Tier 1 risk-based capital ratio | 10.0963% | 6,812 |
| Total risk-based capital ratio | 10.7313% | 7,389 |
| Memoranda: | ||
| Average total assets | $48,887,500 | 6,910 |
| Average earning assets | $44,515,500 | 6,900 |
| Average equity | $4,146,000 | 7,399 |
| Average total loans | $43,668,000 | 6,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9251% | 1,327 |
| Cost of funding earning assets | 2.2115% | 5,549 |
| Net interest margin | 4.7136% | 947 |
| Noninterest income to average assets | 1.1824% | 1,092 |
| Noninterest expense to average assets | 4.4853% | 886 |
| Loan and lease loss provision to assets | 0.1077% | 5,995 |
| Net operating income to assets | 0.5633% | 4,468 |
| Return on assets (ROA) | 0.5633% | 4,324 |
| Pretax return on assets | 0.8221% | 3,986 |
| Return on Equity (ROE) | 6.7144% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.3199% | 2,431 |
| Net charge-offs to loans | 0.0508% | 6,062 |
| Credit loss provision to net charge-offs | 260.0000% | 1,781 |
| Earnings coverage of net charge-offs (x) | 22.4500% | 1,472 |
| Efficiency ratio | 82.8298% | 2,201 |
| Assets per employee ($millions) | 2.1386% | 7,785 |
| Cash dividends to net income (ytd only)* | 35.6618% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5115% | 7,835 |
| Loan loss allowance to noncurrent loans | 24.6050% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 1.8013% | 2,728 |
| Noncurrent loans to loans | 2.0789% | 2,663 |
| Net loans and leases to total assets | 86.2019% | 581 |
| Net loans and leases to deposits | 100.7221% | 1,751 |
| Net loans and leases to core deposits | 109.9982% | 3,782 |
| Total domestic deposits to total assets | 85.5839% | 2,591 |
| Equity capital to assets | 8.3557% | 6,334 |
| Core capital (leverage) ratio | 8.6183% | 5,347 |
| Tier 1 risk-based capital ratio | 10.2642% | 6,456 |
| Total risk-based capital ratio | 10.8087% | 7,152 |
| Memoranda: | ||
| Average total assets | $48,290,800 | 6,847 |
| Average earning assets | $43,364,200 | 6,877 |
| Average equity | $4,051,000 | 7,495 |
| Average total loans | $39,370,200 | 6,203 |