Home > Gogebic Range Bank > Performance and Condition Ratios
Gogebic Range 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 | 4.1653% | 3,692 |
| Cost of funding earning assets | 0.5338% | 4,167 |
| Net interest margin | 3.6314% | 1,899 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.6539% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8296% | 2,778 |
| Return on assets (ROA) | 0.8422% | 2,712 |
| Pretax return on assets | 0.9815% | 2,718 |
| Return on Equity (ROE) | 14.9100% | 1,304 |
| Retained earnings to average equity (ytd only) | 1.9238% | 3,594 |
| Net charge-offs to loans | -0.0297% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.5764% | 1,936 |
| Assets per employee ($millions) | 4.3506% | 4,022 |
| Cash dividends to net income (ytd only)* | 87.0942% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6583% | 164 |
| Loan loss allowance to noncurrent loans | 133.7766% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 629 |
| Noncurrent loans to loans | 1.9871% | 286 |
| Net loans and leases to total assets | 37.3600% | 4,115 |
| Net loans and leases to deposits | 41.7800% | 4,154 |
| Net loans and leases to core deposits | 45.2303% | 4,175 |
| Total domestic deposits to total assets | 89.4100% | 942 |
| Equity capital to assets | 6.3454% | 4,158 |
| Core capital (leverage) ratio | 9.7280% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $149,967,800 | 3,363 |
| Average earning assets | $136,558,000 | 3,376 |
| Average equity | $8,473,000 | 3,881 |
| Average total loans | $57,296,600 | 3,744 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 3,641 |
| Cost of funding earning assets | 0.4791% | 4,165 |
| Net interest margin | 3.6299% | 1,924 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.6368% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8323% | 2,922 |
| Return on assets (ROA) | 0.8479% | 2,851 |
| Pretax return on assets | 1.0048% | 2,848 |
| Return on Equity (ROE) | 15.4800% | 1,353 |
| Retained earnings to average equity (ytd only) | 15.4761% | 510 |
| Net charge-offs to loans | -0.0255% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.0633% | 1,893 |
| Assets per employee ($millions) | 4.5286% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5727% | 181 |
| Loan loss allowance to noncurrent loans | 153.8934% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 808 |
| Noncurrent loans to loans | 1.6717% | 409 |
| Net loans and leases to total assets | 38.0600% | 4,126 |
| Net loans and leases to deposits | 40.3074% | 4,198 |
| Net loans and leases to core deposits | 43.4057% | 4,188 |
| Total domestic deposits to total assets | 94.4300% | 151 |
| Equity capital to assets | 5.2822% | 4,195 |
| Core capital (leverage) ratio | 9.9688% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $150,480,000 | 3,360 |
| Average earning assets | $136,640,500 | 3,382 |
| Average equity | $8,244,750 | 3,906 |
| Average total loans | $57,429,250 | 3,749 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 3,656 |
| Cost of funding earning assets | 0.3452% | 4,246 |
| Net interest margin | 3.6694% | 1,880 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.6852% | 1,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7890% | 3,111 |
| Return on assets (ROA) | 0.8115% | 3,054 |
| Pretax return on assets | 0.9601% | 3,019 |
| Return on Equity (ROE) | 14.6400% | 1,545 |
| Retained earnings to average equity (ytd only) | 14.6382% | 606 |
| Net charge-offs to loans | -0.0350% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.5020% | 1,719 |
| Assets per employee ($millions) | 4.5756% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5420% | 207 |
| Loan loss allowance to noncurrent loans | 154.1068% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 760 |
| Noncurrent loans to loans | 1.6495% | 385 |
| Net loans and leases to total assets | 38.1100% | 4,107 |
| Net loans and leases to deposits | 41.1404% | 4,182 |
| Net loans and leases to core deposits | 44.4182% | 4,158 |
| Total domestic deposits to total assets | 92.6400% | 305 |
| Equity capital to assets | 5.6300% | 4,258 |
| Core capital (leverage) ratio | 9.7607% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $150,825,333 | 3,370 |
| Average earning assets | $137,298,000 | 3,392 |
| Average equity | $8,361,667 | 3,921 |
| Average total loans | $57,111,333 | 3,764 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,470 |
| Cost of funding earning assets | 0.2863% | 4,229 |
| Net interest margin | 3.7047% | 1,889 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.5819% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8703% | 2,956 |
| Return on assets (ROA) | 0.8942% | 2,830 |
| Pretax return on assets | 1.0880% | 2,739 |
| Return on Equity (ROE) | 16.2600% | 1,304 |
| Retained earnings to average equity (ytd only) | 16.2566% | 667 |
| Net charge-offs to loans | -0.0285% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2012% | 2,072 |
| Assets per employee ($millions) | 4.3517% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6917% | 181 |
| Loan loss allowance to noncurrent loans | 154.9223% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 697 |
| Noncurrent loans to loans | 1.7375% | 358 |
| Net loans and leases to total assets | 36.5300% | 4,171 |
| Net loans and leases to deposits | 38.9796% | 4,254 |
| Net loans and leases to core deposits | 39.4485% | 4,284 |
| Total domestic deposits to total assets | 93.7100% | 200 |
| Equity capital to assets | 5.9084% | 4,235 |
| Core capital (leverage) ratio | 9.4929% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $150,741,000 | 3,418 |
| Average earning assets | $136,909,000 | 3,442 |
| Average equity | $8,292,000 | 3,973 |
| Average total loans | $56,143,500 | 3,818 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6413% | 2,679 |
| Cost of funding earning assets | 0.1184% | 4,291 |
| Net interest margin | 3.5228% | 1,859 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.4377% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8594% | 3,117 |
| Return on assets (ROA) | 0.8866% | 2,963 |
| Pretax return on assets | 1.0524% | 2,909 |
| Return on Equity (ROE) | 13.2000% | 1,740 |
| Retained earnings to average equity (ytd only) | -8.8017% | 4,621 |
| Net charge-offs to loans | 0.0712% | 931 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 38.4146% | 1,528 |
| Efficiency ratio | 66.7166% | 2,120 |
| Assets per employee ($millions) | 4.7976% | 3,818 |
| Cash dividends to net income (ytd only)* | 166.6910% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6275% | 185 |
| Loan loss allowance to noncurrent loans | 156.2893% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 744 |
| Noncurrent loans to loans | 1.6812% | 372 |
| Net loans and leases to total assets | 35.9900% | 4,216 |
| Net loans and leases to deposits | 38.6455% | 4,281 |
| Net loans and leases to core deposits | 41.5426% | 4,243 |
| Total domestic deposits to total assets | 93.1300% | 375 |
| Equity capital to assets | 5.1080% | 4,338 |
| Core capital (leverage) ratio | 9.0985% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,408,000 | 3,400 |
| Average earning assets | $137,617,000 | 3,444 |
| Average equity | $10,373,000 | 3,825 |
| Average total loans | $57,550,000 | 3,778 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5181% | 2,559 |
| Cost of funding earning assets | 0.1087% | 4,209 |
| Net interest margin | 3.4094% | 1,946 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.3997% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8295% | 3,136 |
| Return on assets (ROA) | 0.8295% | 3,104 |
| Pretax return on assets | 0.9847% | 3,060 |
| Return on Equity (ROE) | 11.6500% | 2,152 |
| Retained earnings to average equity (ytd only) | -1.0661% | 4,425 |
| Net charge-offs to loans | 0.0485% | 1,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 54.3810% | 1,237 |
| Efficiency ratio | 67.0318% | 2,150 |
| Assets per employee ($millions) | 4.8880% | 3,771 |
| Cash dividends to net income (ytd only)* | 109.1476% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6497% | 195 |
| Loan loss allowance to noncurrent loans | 158.7185% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 825 |
| Noncurrent loans to loans | 1.6694% | 398 |
| Net loans and leases to total assets | 35.4900% | 4,252 |
| Net loans and leases to deposits | 37.7456% | 4,317 |
| Net loans and leases to core deposits | 38.3193% | 4,334 |
| Total domestic deposits to total assets | 94.0300% | 350 |
| Equity capital to assets | 5.5640% | 4,108 |
| Core capital (leverage) ratio | 9.9367% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $154,629,250 | 3,422 |
| Average earning assets | $137,420,250 | 3,470 |
| Average equity | $11,005,750 | 3,810 |
| Average total loans | $57,751,000 | 3,788 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 2,289 |
| Cost of funding earning assets | 0.1126% | 4,051 |
| Net interest margin | 3.3399% | 1,789 |
| Noninterest income to average assets | 0.3571% | 3,010 |
| Noninterest expense to average assets | 2.4073% | 2,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7674% | 3,080 |
| Return on assets (ROA) | 0.7674% | 3,043 |
| Pretax return on assets | 0.9141% | 3,013 |
| Return on Equity (ROE) | 10.0396% | 2,322 |
| Retained earnings to average equity (ytd only) | -7.7973% | 4,620 |
| Net charge-offs to loans | 0.0655% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 37.0526% | 1,299 |
| Efficiency ratio | 68.5301% | 2,169 |
| Assets per employee ($millions) | 4.7783% | 3,859 |
| Cash dividends to net income (ytd only)* | 177.6650% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6408% | 211 |
| Loan loss allowance to noncurrent loans | 154.7595% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 812 |
| Noncurrent loans to loans | 1.7064% | 408 |
| Net loans and leases to total assets | 36.4562% | 4,229 |
| Net loans and leases to deposits | 39.2819% | 4,293 |
| Net loans and leases to core deposits | 39.9626% | 4,321 |
| Total domestic deposits to total assets | 92.8066% | 562 |
| Equity capital to assets | 6.7690% | 3,899 |
| Core capital (leverage) ratio | 9.8692% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,033,667 | 3,460 |
| Average earning assets | $136,712,667 | 3,529 |
| Average equity | $11,773,333 | 3,804 |
| Average total loans | $57,993,000 | 3,823 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 2,281 |
| Cost of funding earning assets | 0.1198% | 3,901 |
| Net interest margin | 3.2140% | 1,839 |
| Noninterest income to average assets | 0.3131% | 3,224 |
| Noninterest expense to average assets | 2.2846% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7322% | 2,917 |
| Return on assets (ROA) | 0.7322% | 2,911 |
| Pretax return on assets | 0.8745% | 2,876 |
| Return on Equity (ROE) | 9.0669% | 2,295 |
| Retained earnings to average equity (ytd only) | -24.5735% | 4,727 |
| Net charge-offs to loans | 0.1302% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 17.7895% | 1,317 |
| Efficiency ratio | 68.1409% | 2,488 |
| Assets per employee ($millions) | 4.5731% | 4,091 |
| Cash dividends to net income (ytd only)* | 371.0247% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6502% | 247 |
| Loan loss allowance to noncurrent loans | 85.2875% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.1750% | 375 |
| Noncurrent loans to loans | 3.1074% | 164 |
| Net loans and leases to total assets | 35.7436% | 4,229 |
| Net loans and leases to deposits | 38.5586% | 4,301 |
| Net loans and leases to core deposits | 39.2475% | 4,331 |
| Total domestic deposits to total assets | 92.6996% | 347 |
| Equity capital to assets | 6.9100% | 4,250 |
| Core capital (leverage) ratio | 8.6823% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,598,500 | 3,474 |
| Average earning assets | $136,899,000 | 3,535 |
| Average equity | $12,485,000 | 3,814 |
| Average total loans | $58,362,000 | 3,818 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5418% | 2,539 |
| Cost of funding earning assets | 0.1940% | 3,536 |
| Net interest margin | 3.3478% | 2,176 |
| Noninterest income to average assets | 0.3684% | 3,229 |
| Noninterest expense to average assets | 2.2835% | 2,840 |
| Loan and lease loss provision to assets | 0.1165% | 1,079 |
| Net operating income to assets | 0.7195% | 3,572 |
| Return on assets (ROA) | 0.7614% | 3,521 |
| Pretax return on assets | 0.9012% | 3,513 |
| Return on Equity (ROE) | 8.2426% | 3,145 |
| Retained earnings to average equity (ytd only) | -0.5187% | 4,549 |
| Net charge-offs to loans | -0.0266% | 4,081 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7463% | 2,157 |
| Assets per employee ($millions) | 4.3918% | 4,195 |
| Cash dividends to net income (ytd only)* | 106.2925% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5690% | 251 |
| Loan loss allowance to noncurrent loans | 77.6483% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2855% | 369 |
| Noncurrent loans to loans | 3.3085% | 158 |
| Net loans and leases to total assets | 37.7999% | 4,203 |
| Net loans and leases to deposits | 41.7845% | 4,284 |
| Net loans and leases to core deposits | 42.4807% | 4,327 |
| Total domestic deposits to total assets | 90.4640% | 734 |
| Equity capital to assets | 9.2550% | 3,364 |
| Core capital (leverage) ratio | 8.9464% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,454,800 | 3,449 |
| Average earning assets | $133,012,000 | 3,542 |
| Average equity | $14,267,400 | 3,709 |
| Average total loans | $67,744,200 | 3,693 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 2,522 |
| Cost of funding earning assets | 0.2126% | 3,490 |
| Net interest margin | 3.3998% | 2,156 |
| Noninterest income to average assets | 0.3888% | 3,156 |
| Noninterest expense to average assets | 2.2598% | 2,865 |
| Loan and lease loss provision to assets | 0.1164% | 1,031 |
| Net operating income to assets | 0.7771% | 3,580 |
| Return on assets (ROA) | 0.8329% | 3,498 |
| Pretax return on assets | 0.9889% | 3,496 |
| Return on Equity (ROE) | 9.0208% | 3,105 |
| Retained earnings to average equity (ytd only) | -2.6521% | 4,726 |
| Net charge-offs to loans | -0.0210% | 3,986 |
| Credit loss provision to net charge-offs | -1,227.2727% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2117% | 2,217 |
| Assets per employee ($millions) | 4.5322% | 4,107 |
| Cash dividends to net income (ytd only)* | 129.3996% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4083% | 329 |
| Loan loss allowance to noncurrent loans | 74.0370% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2621% | 458 |
| Noncurrent loans to loans | 3.2529% | 187 |
| Net loans and leases to total assets | 37.8073% | 4,310 |
| Net loans and leases to deposits | 41.6818% | 4,388 |
| Net loans and leases to core deposits | 42.2959% | 4,440 |
| Total domestic deposits to total assets | 90.7047% | 468 |
| Equity capital to assets | 9.0098% | 3,825 |
| Core capital (leverage) ratio | 8.8532% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,640,500 | 3,476 |
| Average earning assets | $132,356,000 | 3,588 |
| Average equity | $14,277,750 | 3,753 |
| Average total loans | $69,771,500 | 3,705 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 2,269 |
| Cost of funding earning assets | 0.2285% | 3,476 |
| Net interest margin | 3.4962% | 1,866 |
| Noninterest income to average assets | 0.3940% | 3,134 |
| Noninterest expense to average assets | 2.2177% | 3,023 |
| Loan and lease loss provision to assets | 0.1174% | 1,075 |
| Net operating income to assets | 0.9495% | 3,064 |
| Return on assets (ROA) | 1.0306% | 2,864 |
| Pretax return on assets | 1.2289% | 2,833 |
| Return on Equity (ROE) | 11.0699% | 2,401 |
| Retained earnings to average equity (ytd only) | -6.4457% | 4,814 |
| Net charge-offs to loans | -0.0138% | 3,817 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1362% | 2,852 |
| Assets per employee ($millions) | 4.4052% | 4,177 |
| Cash dividends to net income (ytd only)* | 158.2278% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0213% | 584 |
| Loan loss allowance to noncurrent loans | 71.2363% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 495 |
| Noncurrent loans to loans | 2.8374% | 264 |
| Net loans and leases to total assets | 44.9265% | 3,979 |
| Net loans and leases to deposits | 49.6787% | 4,128 |
| Net loans and leases to core deposits | 50.4876% | 4,213 |
| Total domestic deposits to total assets | 90.4341% | 585 |
| Equity capital to assets | 9.2345% | 3,576 |
| Core capital (leverage) ratio | 8.8744% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,311,333 | 3,498 |
| Average earning assets | $134,774,667 | 3,575 |
| Average equity | $14,273,000 | 3,766 |
| Average total loans | $72,544,333 | 3,677 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 2,459 |
| Cost of funding earning assets | 0.2388% | 3,573 |
| Net interest margin | 3.4260% | 2,040 |
| Noninterest income to average assets | 0.4213% | 2,984 |
| Noninterest expense to average assets | 2.1325% | 3,319 |
| Loan and lease loss provision to assets | 0.1177% | 1,160 |
| Net operating income to assets | 1.0148% | 2,768 |
| Return on assets (ROA) | 1.1774% | 2,311 |
| Pretax return on assets | 1.4051% | 2,266 |
| Return on Equity (ROE) | 12.5958% | 1,793 |
| Retained earnings to average equity (ytd only) | -22.3925% | 4,927 |
| Net charge-offs to loans | 0.0163% | 1,415 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 169.3333% | 450 |
| Efficiency ratio | 58.8057% | 3,185 |
| Assets per employee ($millions) | 4.4526% | 4,146 |
| Cash dividends to net income (ytd only)* | 277.7778% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 710 |
| Loan loss allowance to noncurrent loans | 120.4207% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 1,258 |
| Noncurrent loans to loans | 1.5974% | 764 |
| Net loans and leases to total assets | 44.9519% | 4,039 |
| Net loans and leases to deposits | 49.5228% | 4,187 |
| Net loans and leases to core deposits | 50.4912% | 4,269 |
| Total domestic deposits to total assets | 90.7701% | 486 |
| Equity capital to assets | 8.8481% | 3,834 |
| Core capital (leverage) ratio | 8.7660% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,875,500 | 3,503 |
| Average earning assets | $135,670,000 | 3,567 |
| Average equity | $14,290,500 | 3,768 |
| Average total loans | $73,467,500 | 3,677 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 1,042 |
| Cost of funding earning assets | 0.4250% | 3,430 |
| Net interest margin | 4.2049% | 630 |
| Noninterest income to average assets | 0.3634% | 3,292 |
| Noninterest expense to average assets | 2.5738% | 2,629 |
| Loan and lease loss provision to assets | 0.1748% | 2,200 |
| Net operating income to assets | 1.1128% | 1,875 |
| Return on assets (ROA) | 1.1128% | 1,992 |
| Pretax return on assets | 1.3044% | 1,961 |
| Return on Equity (ROE) | 10.7024% | 1,744 |
| Retained earnings to average equity (ytd only) | 10.7024% | 469 |
| Net charge-offs to loans | -0.0365% | 4,598 |
| Credit loss provision to net charge-offs | -857.1429% | 4,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8266% | 3,346 |
| Assets per employee ($millions) | 4.2921% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 920 |
| Loan loss allowance to noncurrent loans | 163.0355% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 1,914 |
| Noncurrent loans to loans | 1.0820% | 1,312 |
| Net loans and leases to total assets | 49.3769% | 3,872 |
| Net loans and leases to deposits | 55.1401% | 4,062 |
| Net loans and leases to core deposits | 56.2840% | 4,137 |
| Total domestic deposits to total assets | 89.5481% | 753 |
| Equity capital to assets | 10.0764% | 3,056 |
| Core capital (leverage) ratio | 9.6321% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,307,200 | 3,546 |
| Average earning assets | $120,478,600 | 3,618 |
| Average equity | $14,277,200 | 3,720 |
| Average total loans | $76,685,800 | 3,615 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 649 |
| Cost of funding earning assets | 0.4667% | 3,438 |
| Net interest margin | 4.4955% | 381 |
| Noninterest income to average assets | 0.3630% | 3,286 |
| Noninterest expense to average assets | 2.6342% | 2,436 |
| Loan and lease loss provision to assets | 0.1790% | 2,200 |
| Net operating income to assets | 1.2530% | 1,470 |
| Return on assets (ROA) | 1.2530% | 1,589 |
| Pretax return on assets | 1.4767% | 1,498 |
| Return on Equity (ROE) | 11.9466% | 1,383 |
| Retained earnings to average equity (ytd only) | 11.9466% | 429 |
| Net charge-offs to loans | -0.0520% | 4,685 |
| Credit loss provision to net charge-offs | -600.0000% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8085% | 3,554 |
| Assets per employee ($millions) | 4.0612% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 1,059 |
| Loan loss allowance to noncurrent loans | 113.5472% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.7587% | 1,527 |
| Noncurrent loans to loans | 1.4220% | 1,014 |
| Net loans and leases to total assets | 51.6604% | 3,987 |
| Net loans and leases to deposits | 57.5700% | 4,184 |
| Net loans and leases to core deposits | 58.7579% | 4,264 |
| Total domestic deposits to total assets | 89.7349% | 517 |
| Equity capital to assets | 9.9131% | 3,309 |
| Core capital (leverage) ratio | 9.6377% | 3,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,078,500 | 3,566 |
| Average earning assets | $117,122,000 | 3,649 |
| Average equity | $14,062,250 | 3,757 |
| Average total loans | $76,980,500 | 3,628 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 1,627 |
| Cost of funding earning assets | 0.5021% | 3,522 |
| Net interest margin | 4.1082% | 1,093 |
| Noninterest income to average assets | 0.3171% | 3,566 |
| Noninterest expense to average assets | 2.6846% | 2,429 |
| Loan and lease loss provision to assets | 0.1865% | 2,159 |
| Net operating income to assets | 0.9327% | 2,566 |
| Return on assets (ROA) | 0.9327% | 2,699 |
| Pretax return on assets | 1.0835% | 2,764 |
| Return on Equity (ROE) | 8.7880% | 2,455 |
| Retained earnings to average equity (ytd only) | 8.7880% | 1,074 |
| Net charge-offs to loans | -0.3746% | 4,988 |
| Credit loss provision to net charge-offs | -83.9161% | 3,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9371% | 2,668 |
| Assets per employee ($millions) | 3.7499% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,254 |
| Loan loss allowance to noncurrent loans | 93.6412% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 1,189 |
| Noncurrent loans to loans | 1.6058% | 918 |
| Net loans and leases to total assets | 58.3984% | 3,480 |
| Net loans and leases to deposits | 66.4425% | 3,684 |
| Net loans and leases to core deposits | 67.9224% | 3,864 |
| Total domestic deposits to total assets | 87.8931% | 1,236 |
| Equity capital to assets | 10.1177% | 3,098 |
| Core capital (leverage) ratio | 9.4876% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,661,667 | 3,613 |
| Average earning assets | $113,918,667 | 3,676 |
| Average equity | $13,655,000 | 3,808 |
| Average total loans | $76,340,000 | 3,640 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 1,142 |
| Cost of funding earning assets | 0.5563% | 3,657 |
| Net interest margin | 4.3652% | 671 |
| Noninterest income to average assets | 0.3074% | 3,673 |
| Noninterest expense to average assets | 2.8378% | 2,315 |
| Loan and lease loss provision to assets | 0.1941% | 1,555 |
| Net operating income to assets | 0.9254% | 2,437 |
| Return on assets (ROA) | 0.9254% | 2,544 |
| Pretax return on assets | 1.0840% | 2,577 |
| Return on Equity (ROE) | 8.4970% | 2,315 |
| Retained earnings to average equity (ytd only) | 8.4970% | 1,102 |
| Net charge-offs to loans | -0.0545% | 4,662 |
| Credit loss provision to net charge-offs | -600.0000% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0377% | 2,955 |
| Assets per employee ($millions) | 3.3475% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,560 |
| Loan loss allowance to noncurrent loans | 92.5466% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 1,259 |
| Noncurrent loans to loans | 1.5526% | 1,012 |
| Net loans and leases to total assets | 57.7641% | 3,691 |
| Net loans and leases to deposits | 65.2215% | 3,914 |
| Net loans and leases to core deposits | 66.8954% | 4,035 |
| Total domestic deposits to total assets | 88.5660% | 853 |
| Equity capital to assets | 11.0803% | 2,793 |
| Core capital (leverage) ratio | 10.6093% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,619,000 | 3,653 |
| Average earning assets | $107,852,000 | 3,754 |
| Average equity | $13,463,500 | 3,838 |
| Average total loans | $73,378,500 | 3,693 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 1,303 |
| Cost of funding earning assets | 0.5374% | 3,936 |
| Net interest margin | 4.5263% | 685 |
| Noninterest income to average assets | 0.3856% | 3,382 |
| Noninterest expense to average assets | 2.8274% | 2,509 |
| Loan and lease loss provision to assets | 0.1924% | 1,064 |
| Net operating income to assets | 1.1346% | 2,314 |
| Return on assets (ROA) | 1.1904% | 2,188 |
| Pretax return on assets | 1.4374% | 2,025 |
| Return on Equity (ROE) | 11.0291% | 1,875 |
| Retained earnings to average equity (ytd only) | 1.3369% | 4,265 |
| Net charge-offs to loans | 0.2248% | 908 |
| Credit loss provision to net charge-offs | 142.0118% | 1,818 |
| Earnings coverage of net charge-offs (x) | 11.5325% | 2,485 |
| Efficiency ratio | 61.6874% | 3,425 |
| Assets per employee ($millions) | 3.3346% | 4,618 |
| Cash dividends to net income (ytd only)* | 87.8788% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 1,860 |
| Loan loss allowance to noncurrent loans | 115.4028% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 1,590 |
| Noncurrent loans to loans | 1.1380% | 1,330 |
| Net loans and leases to total assets | 59.3245% | 3,648 |
| Net loans and leases to deposits | 68.2710% | 3,796 |
| Net loans and leases to core deposits | 70.2599% | 3,950 |
| Total domestic deposits to total assets | 86.8957% | 1,664 |
| Equity capital to assets | 10.7012% | 3,259 |
| Core capital (leverage) ratio | 10.2083% | 3,290 |
| Tier 1 risk-based capital ratio | 15.1531% | 2,720 |
| Total risk-based capital ratio | 16.3188% | 2,686 |
| Memoranda: | ||
| Average total assets | $124,743,400 | 3,633 |
| Average earning assets | $110,354,800 | 3,704 |
| Average equity | $13,464,400 | 3,824 |
| Average total loans | $75,169,800 | 3,677 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1029% | 1,278 |
| Cost of funding earning assets | 0.5316% | 4,012 |
| Net interest margin | 4.5713% | 658 |
| Noninterest income to average assets | 0.3581% | 3,584 |
| Noninterest expense to average assets | 2.9057% | 2,249 |
| Loan and lease loss provision to assets | 0.1919% | 933 |
| Net operating income to assets | 1.0723% | 2,676 |
| Return on assets (ROA) | 1.0723% | 2,766 |
| Pretax return on assets | 1.2844% | 2,714 |
| Return on Equity (ROE) | 9.9137% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.9137% | 771 |
| Net charge-offs to loans | 0.2404% | 742 |
| Credit loss provision to net charge-offs | 132.3529% | 1,798 |
| Earnings coverage of net charge-offs (x) | 10.1838% | 2,516 |
| Efficiency ratio | 63.5855% | 3,084 |
| Assets per employee ($millions) | 3.5731% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,375 |
| Loan loss allowance to noncurrent loans | 118.9698% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 1,841 |
| Noncurrent loans to loans | 1.0294% | 1,560 |
| Net loans and leases to total assets | 61.0749% | 3,580 |
| Net loans and leases to deposits | 69.0095% | 3,840 |
| Net loans and leases to core deposits | 71.0113% | 4,000 |
| Total domestic deposits to total assets | 88.5021% | 826 |
| Equity capital to assets | 11.2180% | 2,909 |
| Core capital (leverage) ratio | 10.7682% | 2,871 |
| Tier 1 risk-based capital ratio | 15.4218% | 2,664 |
| Total risk-based capital ratio | 16.5135% | 2,663 |
| Memoranda: | ||
| Average total assets | $125,084,500 | 3,663 |
| Average earning assets | $110,105,500 | 3,750 |
| Average equity | $13,529,750 | 3,852 |
| Average total loans | $75,420,250 | 3,715 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 1,127 |
| Cost of funding earning assets | 0.5267% | 4,000 |
| Net interest margin | 4.6141% | 603 |
| Noninterest income to average assets | 0.3549% | 3,562 |
| Noninterest expense to average assets | 2.9242% | 2,213 |
| Loan and lease loss provision to assets | 0.1919% | 915 |
| Net operating income to assets | 1.0712% | 2,641 |
| Return on assets (ROA) | 1.0712% | 2,708 |
| Pretax return on assets | 1.2726% | 2,664 |
| Return on Equity (ROE) | 10.0274% | 2,369 |
| Retained earnings to average equity (ytd only) | 10.0274% | 745 |
| Net charge-offs to loans | -0.0107% | 4,346 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8980% | 3,147 |
| Assets per employee ($millions) | 3.9160% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 1,735 |
| Loan loss allowance to noncurrent loans | 103.5282% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 1,510 |
| Noncurrent loans to loans | 1.3242% | 1,184 |
| Net loans and leases to total assets | 58.9628% | 3,827 |
| Net loans and leases to deposits | 66.6210% | 4,055 |
| Net loans and leases to core deposits | 69.6597% | 4,126 |
| Total domestic deposits to total assets | 88.5048% | 876 |
| Equity capital to assets | 10.9270% | 3,153 |
| Core capital (leverage) ratio | 10.5048% | 3,082 |
| Tier 1 risk-based capital ratio | 15.4375% | 2,645 |
| Total risk-based capital ratio | 16.6505% | 2,591 |
| Memoranda: | ||
| Average total assets | $125,093,330 | 3,688 |
| Average earning assets | $109,360,000 | 3,786 |
| Average equity | $13,363,330 | 3,878 |
| Average total loans | $74,785,000 | 3,746 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 1,083 |
| Cost of funding earning assets | 0.5091% | 4,020 |
| Net interest margin | 4.5998% | 608 |
| Noninterest income to average assets | 0.3168% | 3,739 |
| Noninterest expense to average assets | 2.8452% | 2,432 |
| Loan and lease loss provision to assets | 0.1920% | 846 |
| Net operating income to assets | 1.1233% | 2,378 |
| Return on assets (ROA) | 1.1233% | 2,425 |
| Pretax return on assets | 1.3282% | 2,340 |
| Return on Equity (ROE) | 10.6376% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.6376% | 893 |
| Net charge-offs to loans | -0.0268% | 4,602 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3900% | 3,473 |
| Assets per employee ($millions) | 3.9893% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,126 |
| Loan loss allowance to noncurrent loans | 130.6343% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 1,958 |
| Noncurrent loans to loans | 0.9887% | 1,697 |
| Net loans and leases to total assets | 57.9522% | 3,899 |
| Net loans and leases to deposits | 64.9648% | 4,126 |
| Net loans and leases to core deposits | 67.7652% | 4,195 |
| Total domestic deposits to total assets | 89.2054% | 762 |
| Equity capital to assets | 10.4765% | 3,366 |
| Core capital (leverage) ratio | 10.2758% | 3,301 |
| Tier 1 risk-based capital ratio | 14.9178% | 2,910 |
| Total risk-based capital ratio | 16.0497% | 2,897 |
| Memoranda: | ||
| Average total assets | $124,983,500 | 3,721 |
| Average earning assets | $110,005,000 | 3,814 |
| Average equity | $13,198,500 | 3,920 |
| Average total loans | $74,720,000 | 3,785 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1225% | 810 |
| Cost of funding earning assets | 0.4566% | 3,634 |
| Net interest margin | 4.6660% | 523 |
| Noninterest income to average assets | 0.3155% | 4,007 |
| Noninterest expense to average assets | 2.5956% | 3,345 |
| Loan and lease loss provision to assets | 0.1936% | 979 |
| Net operating income to assets | 1.4483% | 1,283 |
| Return on assets (ROA) | 1.4483% | 1,268 |
| Pretax return on assets | 1.7396% | 1,071 |
| Return on Equity (ROE) | 13.3578% | 1,218 |
| Retained earnings to average equity (ytd only) | 1.6372% | 4,488 |
| Net charge-offs to loans | 0.4634% | 394 |
| Credit loss provision to net charge-offs | 68.5714% | 3,010 |
| Earnings coverage of net charge-offs (x) | 6.8457% | 3,043 |
| Efficiency ratio | 54.6588% | 4,563 |
| Assets per employee ($millions) | 3.7064% | 4,307 |
| Cash dividends to net income (ytd only)* | 87.7437% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,506 |
| Loan loss allowance to noncurrent loans | 121.5343% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 1,774 |
| Noncurrent loans to loans | 0.9974% | 1,627 |
| Net loans and leases to total assets | 60.1660% | 3,753 |
| Net loans and leases to deposits | 68.8868% | 3,912 |
| Net loans and leases to core deposits | 72.1086% | 3,984 |
| Total domestic deposits to total assets | 87.3404% | 1,618 |
| Equity capital to assets | 10.6475% | 3,031 |
| Core capital (leverage) ratio | 10.2460% | 3,308 |
| Tier 1 risk-based capital ratio | 14.9432% | 2,850 |
| Total risk-based capital ratio | 16.0357% | 2,855 |
| Memoranda: | ||
| Average total assets | $123,939,400 | 3,730 |
| Average earning assets | $111,917,000 | 3,780 |
| Average equity | $13,437,800 | 3,823 |
| Average total loans | $75,527,400 | 3,760 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 742 |
| Cost of funding earning assets | 0.4454% | 3,555 |
| Net interest margin | 4.6661% | 505 |
| Noninterest income to average assets | 0.3077% | 4,087 |
| Noninterest expense to average assets | 2.5927% | 3,302 |
| Loan and lease loss provision to assets | 0.1930% | 915 |
| Net operating income to assets | 1.4465% | 1,341 |
| Return on assets (ROA) | 1.4465% | 1,339 |
| Pretax return on assets | 1.7349% | 1,193 |
| Return on Equity (ROE) | 13.2823% | 1,338 |
| Retained earnings to average equity (ytd only) | 13.2823% | 331 |
| Net charge-offs to loans | 0.1882% | 888 |
| Credit loss provision to net charge-offs | 168.2243% | 1,584 |
| Earnings coverage of net charge-offs (x) | 16.8041% | 2,144 |
| Efficiency ratio | 54.6964% | 4,539 |
| Assets per employee ($millions) | 3.7191% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,592 |
| Loan loss allowance to noncurrent loans | 82.2727% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 1,088 |
| Noncurrent loans to loans | 1.7384% | 890 |
| Net loans and leases to total assets | 60.9838% | 3,749 |
| Net loans and leases to deposits | 69.1993% | 3,977 |
| Net loans and leases to core deposits | 71.8775% | 4,091 |
| Total domestic deposits to total assets | 88.1277% | 1,190 |
| Equity capital to assets | 11.5309% | 2,243 |
| Core capital (leverage) ratio | 11.0571% | 2,526 |
| Tier 1 risk-based capital ratio | 15.6508% | 2,585 |
| Total risk-based capital ratio | 16.8998% | 2,523 |
| Memoranda: | ||
| Average total assets | $124,347,000 | 3,761 |
| Average earning assets | $112,267,500 | 3,810 |
| Average equity | $13,541,500 | 3,837 |
| Average total loans | $75,786,250 | 3,790 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 745 |
| Cost of funding earning assets | 0.4212% | 3,564 |
| Net interest margin | 4.6192% | 529 |
| Noninterest income to average assets | 0.2722% | 4,368 |
| Noninterest expense to average assets | 2.5351% | 3,535 |
| Loan and lease loss provision to assets | 0.1922% | 899 |
| Net operating income to assets | 1.4253% | 1,351 |
| Return on assets (ROA) | 1.4253% | 1,352 |
| Pretax return on assets | 1.7072% | 1,192 |
| Return on Equity (ROE) | 13.3453% | 1,253 |
| Retained earnings to average equity (ytd only) | 13.3453% | 334 |
| Net charge-offs to loans | 0.2588% | 619 |
| Credit loss provision to net charge-offs | 122.4490% | 1,779 |
| Earnings coverage of net charge-offs (x) | 12.1020% | 2,225 |
| Efficiency ratio | 54.4601% | 4,641 |
| Assets per employee ($millions) | 3.7091% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,862 |
| Loan loss allowance to noncurrent loans | 93.4959% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.1691% | 1,240 |
| Noncurrent loans to loans | 1.4641% | 1,154 |
| Net loans and leases to total assets | 60.9281% | 3,716 |
| Net loans and leases to deposits | 69.0589% | 3,945 |
| Net loans and leases to core deposits | 73.6320% | 3,901 |
| Total domestic deposits to total assets | 88.2263% | 1,258 |
| Equity capital to assets | 11.1871% | 2,466 |
| Core capital (leverage) ratio | 10.6800% | 2,833 |
| Tier 1 risk-based capital ratio | 14.9718% | 2,888 |
| Total risk-based capital ratio | 16.1673% | 2,834 |
| Memoranda: | ||
| Average total assets | $124,885,670 | 3,775 |
| Average earning assets | $112,531,000 | 3,836 |
| Average equity | $13,338,000 | 3,893 |
| Average total loans | $75,737,670 | 3,815 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 657 |
| Cost of funding earning assets | 0.3048% | 4,318 |
| Net interest margin | 4.7274% | 391 |
| Noninterest income to average assets | 0.2696% | 4,368 |
| Noninterest expense to average assets | 2.4578% | 3,788 |
| Loan and lease loss provision to assets | 0.1903% | 886 |
| Net operating income to assets | 1.5445% | 967 |
| Return on assets (ROA) | 1.5445% | 976 |
| Pretax return on assets | 1.8521% | 817 |
| Return on Equity (ROE) | 14.8019% | 836 |
| Retained earnings to average equity (ytd only) | 14.8019% | 339 |
| Net charge-offs to loans | 0.5488% | 274 |
| Credit loss provision to net charge-offs | 57.6923% | 1,899 |
| Earnings coverage of net charge-offs (x) | 6.1923% | 2,173 |
| Efficiency ratio | 52.0085% | 4,963 |
| Assets per employee ($millions) | 3.8130% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,252 |
| Loan loss allowance to noncurrent loans | 77.3163% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 1,172 |
| Noncurrent loans to loans | 1.6802% | 1,018 |
| Net loans and leases to total assets | 58.4488% | 3,899 |
| Net loans and leases to deposits | 65.6212% | 4,114 |
| Net loans and leases to core deposits | 69.6898% | 4,097 |
| Total domestic deposits to total assets | 89.0700% | 1,064 |
| Equity capital to assets | 10.5962% | 2,973 |
| Core capital (leverage) ratio | 9.9786% | 3,559 |
| Tier 1 risk-based capital ratio | 14.6140% | 3,064 |
| Total risk-based capital ratio | 15.7437% | 3,032 |
| Memoranda: | ||
| Average total assets | $126,128,500 | 3,794 |
| Average earning assets | $112,873,500 | 3,869 |
| Average equity | $13,160,500 | 3,944 |
| Average total loans | $75,801,000 | 3,842 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5454% | 250 |
| Cost of funding earning assets | 0.5482% | 1,966 |
| Net interest margin | 4.9972% | 240 |
| Noninterest income to average assets | 0.3312% | 4,104 |
| Noninterest expense to average assets | 2.6927% | 3,151 |
| Loan and lease loss provision to assets | 0.1094% | 2,057 |
| Net operating income to assets | 1.5472% | 728 |
| Return on assets (ROA) | 1.5586% | 718 |
| Pretax return on assets | 2.0511% | 437 |
| Return on Equity (ROE) | 14.5487% | 683 |
| Retained earnings to average equity (ytd only) | 3.0559% | 3,477 |
| Net charge-offs to loans | 0.1383% | 1,684 |
| Credit loss provision to net charge-offs | 122.1053% | 2,142 |
| Earnings coverage of net charge-offs (x) | 23.9368% | 1,783 |
| Efficiency ratio | 53.8417% | 4,962 |
| Assets per employee ($millions) | 3.8262% | 4,242 |
| Cash dividends to net income (ytd only)* | 78.9952% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,156 |
| Loan loss allowance to noncurrent loans | 97.7799% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 1,666 |
| Noncurrent loans to loans | 1.3439% | 1,297 |
| Net loans and leases to total assets | 60.2520% | 3,803 |
| Net loans and leases to deposits | 68.0763% | 4,021 |
| Net loans and leases to core deposits | 70.9519% | 4,112 |
| Total domestic deposits to total assets | 88.5065% | 1,251 |
| Equity capital to assets | 10.2184% | 3,473 |
| Core capital (leverage) ratio | 9.9845% | 3,478 |
| Tier 1 risk-based capital ratio | 14.0537% | 3,332 |
| Total risk-based capital ratio | 15.2340% | 3,275 |
| Memoranda: | ||
| Average total assets | $105,989,600 | 4,134 |
| Average earning assets | $95,593,200 | 4,169 |
| Average equity | $11,355,000 | 4,243 |
| Average total loans | $68,676,000 | 3,996 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 214 |
| Cost of funding earning assets | 0.5521% | 1,878 |
| Net interest margin | 5.0682% | 202 |
| Noninterest income to average assets | 0.3052% | 4,347 |
| Noninterest expense to average assets | 2.7044% | 3,052 |
| Loan and lease loss provision to assets | 0.1017% | 2,079 |
| Net operating income to assets | 1.4948% | 908 |
| Return on assets (ROA) | 1.5100% | 898 |
| Pretax return on assets | 2.1046% | 442 |
| Return on Equity (ROE) | 13.8943% | 855 |
| Retained earnings to average equity (ytd only) | 13.8943% | 162 |
| Net charge-offs to loans | 0.0701% | 2,121 |
| Credit loss provision to net charge-offs | 220.0000% | 1,256 |
| Earnings coverage of net charge-offs (x) | 47.2526% | 1,157 |
| Efficiency ratio | 53.8233% | 4,945 |
| Assets per employee ($millions) | 3.7349% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 2,213 |
| Loan loss allowance to noncurrent loans | 98.9474% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.9379% | 1,820 |
| Noncurrent loans to loans | 1.3426% | 1,411 |
| Net loans and leases to total assets | 60.4774% | 3,808 |
| Net loans and leases to deposits | 67.9012% | 4,121 |
| Net loans and leases to core deposits | 70.9414% | 4,191 |
| Total domestic deposits to total assets | 89.0667% | 853 |
| Equity capital to assets | 10.6750% | 3,188 |
| Core capital (leverage) ratio | 9.8602% | 3,741 |
| Tier 1 risk-based capital ratio | 14.6413% | 3,111 |
| Total risk-based capital ratio | 15.8310% | 3,058 |
| Memoranda: | ||
| Average total assets | $100,921,250 | 4,264 |
| Average earning assets | $91,286,500 | 4,303 |
| Average equity | $10,968,250 | 4,345 |
| Average total loans | $66,572,750 | 4,070 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5089% | 243 |
| Cost of funding earning assets | 0.5073% | 2,114 |
| Net interest margin | 5.0016% | 216 |
| Noninterest income to average assets | 0.3036% | 4,366 |
| Noninterest expense to average assets | 2.8493% | 2,586 |
| Loan and lease loss provision to assets | 0.0781% | 2,420 |
| Net operating income to assets | 1.4910% | 884 |
| Return on assets (ROA) | 1.5157% | 860 |
| Pretax return on assets | 1.9841% | 544 |
| Return on Equity (ROE) | 13.8338% | 842 |
| Retained earnings to average equity (ytd only) | 13.8338% | 195 |
| Net charge-offs to loans | 0.1910% | 1,048 |
| Credit loss provision to net charge-offs | 60.0000% | 2,465 |
| Earnings coverage of net charge-offs (x) | 15.6000% | 2,019 |
| Efficiency ratio | 55.9556% | 4,832 |
| Assets per employee ($millions) | 4.1716% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 2,646 |
| Loan loss allowance to noncurrent loans | 100.6237% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 1,933 |
| Noncurrent loans to loans | 1.2490% | 1,550 |
| Net loans and leases to total assets | 58.8087% | 3,943 |
| Net loans and leases to deposits | 65.9607% | 4,223 |
| Net loans and leases to core deposits | 69.1036% | 4,292 |
| Total domestic deposits to total assets | 89.1572% | 880 |
| Equity capital to assets | 10.4438% | 3,410 |
| Core capital (leverage) ratio | 10.1674% | 3,315 |
| Tier 1 risk-based capital ratio | 15.5317% | 2,694 |
| Total risk-based capital ratio | 16.6585% | 2,683 |
| Memoranda: | ||
| Average total assets | $92,232,330 | 4,457 |
| Average earning assets | $84,372,330 | 4,457 |
| Average equity | $10,105,670 | 4,496 |
| Average total loans | $62,819,330 | 4,180 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 337 |
| Cost of funding earning assets | 0.4035% | 2,965 |
| Net interest margin | 4.8650% | 279 |
| Noninterest income to average assets | 0.3094% | 4,340 |
| Noninterest expense to average assets | 2.8770% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3571% | 1,096 |
| Return on assets (ROA) | 1.3571% | 1,133 |
| Pretax return on assets | 1.9488% | 560 |
| Return on Equity (ROE) | 11.8970% | 1,269 |
| Retained earnings to average equity (ytd only) | 11.8970% | 480 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6175% | 4,510 |
| Assets per employee ($millions) | 3.4758% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 1,085 |
| Loan loss allowance to noncurrent loans | 210.1322% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 1,964 |
| Noncurrent loans to loans | 0.8256% | 2,390 |
| Net loans and leases to total assets | 74.0300% | 1,735 |
| Net loans and leases to deposits | 84.5647% | 2,215 |
| Net loans and leases to core deposits | 88.3649% | 2,512 |
| Total domestic deposits to total assets | 87.5425% | 1,965 |
| Equity capital to assets | 11.6890% | 2,046 |
| Core capital (leverage) ratio | 11.5317% | 1,920 |
| Tier 1 risk-based capital ratio | 14.5228% | 3,186 |
| Total risk-based capital ratio | 15.7799% | 3,115 |
| Memoranda: | ||
| Average total assets | $73,688,000 | 4,838 |
| Average earning assets | $68,407,500 | 4,820 |
| Average equity | $8,405,500 | 4,826 |
| Average total loans | $55,719,000 | 4,403 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3012% | 353 |
| Cost of funding earning assets | 0.4065% | 2,945 |
| Net interest margin | 4.8948% | 292 |
| Noninterest income to average assets | 0.3676% | 4,111 |
| Noninterest expense to average assets | 2.8194% | 2,962 |
| Loan and lease loss provision to assets | 0.1767% | 1,366 |
| Net operating income to assets | 1.3037% | 1,203 |
| Return on assets (ROA) | 1.3037% | 1,273 |
| Pretax return on assets | 1.8664% | 667 |
| Return on Equity (ROE) | 11.0082% | 1,575 |
| Retained earnings to average equity (ytd only) | 4.0236% | 3,054 |
| Net charge-offs to loans | 0.3717% | 730 |
| Credit loss provision to net charge-offs | 64.1026% | 3,191 |
| Earnings coverage of net charge-offs (x) | 7.4103% | 3,025 |
| Efficiency ratio | 57.9820% | 4,857 |
| Assets per employee ($millions) | 3.5421% | 4,693 |
| Cash dividends to net income (ytd only)* | 63.4490% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6901% | 1,163 |
| Loan loss allowance to noncurrent loans | 180.6818% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9532% | 1,989 |
| Noncurrent loans to loans | 0.9354% | 2,215 |
| Net loans and leases to total assets | 74.6048% | 1,757 |
| Net loans and leases to deposits | 88.9698% | 1,807 |
| Net loans and leases to core deposits | 93.4872% | 2,161 |
| Total domestic deposits to total assets | 83.8541% | 3,484 |
| Equity capital to assets | 11.1301% | 2,501 |
| Core capital (leverage) ratio | 11.4680% | 1,956 |
| Tier 1 risk-based capital ratio | 13.8035% | 3,576 |
| Total risk-based capital ratio | 15.0578% | 3,484 |
| Memoranda: | ||
| Average total assets | $70,724,000 | 4,922 |
| Average earning assets | $64,947,000 | 4,920 |
| Average equity | $8,375,600 | 4,870 |
| Average total loans | $52,462,800 | 4,508 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3452% | 338 |
| Cost of funding earning assets | 0.4070% | 2,958 |
| Net interest margin | 4.9382% | 286 |
| Noninterest income to average assets | 0.3763% | 4,090 |
| Noninterest expense to average assets | 2.8611% | 2,784 |
| Loan and lease loss provision to assets | 0.2387% | 808 |
| Net operating income to assets | 1.2567% | 1,428 |
| Return on assets (ROA) | 1.2567% | 1,535 |
| Pretax return on assets | 1.7953% | 907 |
| Return on Equity (ROE) | 10.4445% | 1,892 |
| Retained earnings to average equity (ytd only) | 10.4445% | 496 |
| Net charge-offs to loans | 0.2772% | 832 |
| Credit loss provision to net charge-offs | 116.8224% | 2,138 |
| Earnings coverage of net charge-offs (x) | 9.9535% | 2,627 |
| Efficiency ratio | 58.4471% | 4,758 |
| Assets per employee ($millions) | 3.3833% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 838 |
| Loan loss allowance to noncurrent loans | 194.7664% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 2,063 |
| Noncurrent loans to loans | 0.9803% | 2,277 |
| Net loans and leases to total assets | 75.3441% | 1,647 |
| Net loans and leases to deposits | 85.9993% | 2,258 |
| Net loans and leases to core deposits | 90.6155% | 2,517 |
| Total domestic deposits to total assets | 87.6101% | 1,610 |
| Equity capital to assets | 12.2379% | 1,949 |
| Core capital (leverage) ratio | 12.6142% | 1,352 |
| Tier 1 risk-based capital ratio | 14.9604% | 3,072 |
| Total risk-based capital ratio | 16.2158% | 2,997 |
| Memoranda: | ||
| Average total assets | $69,809,000 | 4,977 |
| Average earning assets | $63,880,750 | 4,986 |
| Average equity | $8,399,750 | 4,911 |
| Average total loans | $51,466,500 | 4,571 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3870% | 304 |
| Cost of funding earning assets | 0.4178% | 2,855 |
| Net interest margin | 4.9692% | 271 |
| Noninterest income to average assets | 0.3401% | 4,346 |
| Noninterest expense to average assets | 2.8561% | 2,822 |
| Loan and lease loss provision to assets | 0.3603% | 449 |
| Net operating income to assets | 1.1586% | 1,739 |
| Return on assets (ROA) | 1.1586% | 1,851 |
| Pretax return on assets | 1.6485% | 1,224 |
| Return on Equity (ROE) | 9.6852% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.6852% | 664 |
| Net charge-offs to loans | 0.1110% | 1,717 |
| Credit loss provision to net charge-offs | 446.4286% | 721 |
| Earnings coverage of net charge-offs (x) | 24.8929% | 1,525 |
| Efficiency ratio | 58.7085% | 4,812 |
| Assets per employee ($millions) | 3.1313% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1532% | 577 |
| Loan loss allowance to noncurrent loans | 118.0000% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.7013% | 1,054 |
| Noncurrent loans to loans | 1.8248% | 1,127 |
| Net loans and leases to total assets | 73.9461% | 1,853 |
| Net loans and leases to deposits | 86.3273% | 2,215 |
| Net loans and leases to core deposits | 90.5906% | 2,480 |
| Total domestic deposits to total assets | 85.6579% | 2,579 |
| Equity capital to assets | 12.3476% | 1,870 |
| Core capital (leverage) ratio | 12.3273% | 1,442 |
| Tier 1 risk-based capital ratio | 15.3391% | 2,929 |
| Total risk-based capital ratio | 16.5971% | 2,859 |
| Memoranda: | ||
| Average total assets | $69,395,330 | 5,039 |
| Average earning assets | $63,188,670 | 5,046 |
| Average equity | $8,301,330 | 4,971 |
| Average total loans | $50,430,670 | 4,628 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 317 |
| Cost of funding earning assets | 0.4134% | 2,914 |
| Net interest margin | 4.9423% | 289 |
| Noninterest income to average assets | 0.3388% | 4,313 |
| Noninterest expense to average assets | 2.7567% | 3,215 |
| Loan and lease loss provision to assets | 0.4307% | 305 |
| Net operating income to assets | 1.1314% | 1,784 |
| Return on assets (ROA) | 1.1314% | 1,893 |
| Pretax return on assets | 1.6138% | 1,260 |
| Return on Equity (ROE) | 9.6109% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.6109% | 952 |
| Net charge-offs to loans | -0.0161% | 4,753 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4163% | 5,063 |
| Assets per employee ($millions) | 3.5037% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 589 |
| Loan loss allowance to noncurrent loans | 139.5437% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.4242% | 1,455 |
| Noncurrent loans to loans | 1.5754% | 1,480 |
| Net loans and leases to total assets | 69.9000% | 2,357 |
| Net loans and leases to deposits | 79.5999% | 2,853 |
| Net loans and leases to core deposits | 83.5027% | 2,978 |
| Total domestic deposits to total assets | 87.8141% | 1,737 |
| Equity capital to assets | 11.9119% | 2,084 |
| Core capital (leverage) ratio | 12.1924% | 1,498 |
| Tier 1 risk-based capital ratio | 15.4136% | 2,966 |
| Total risk-based capital ratio | 16.6728% | 2,899 |
| Memoranda: | ||
| Average total assets | $69,649,000 | 5,074 |
| Average earning assets | $62,885,500 | 5,099 |
| Average equity | $8,199,000 | 5,021 |
| Average total loans | $49,615,500 | 4,687 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4688% | 281 |
| Cost of funding earning assets | 0.4918% | 2,236 |
| Net interest margin | 4.9770% | 262 |
| Noninterest income to average assets | 0.4086% | 3,968 |
| Noninterest expense to average assets | 2.8604% | 2,994 |
| Loan and lease loss provision to assets | 0.5273% | 212 |
| Net operating income to assets | 1.0355% | 2,190 |
| Return on assets (ROA) | 1.0355% | 2,276 |
| Pretax return on assets | 1.4676% | 1,656 |
| Return on Equity (ROE) | 8.3528% | 2,778 |
| Retained earnings to average equity (ytd only) | -2.8709% | 5,812 |
| Net charge-offs to loans | 0.4968% | 535 |
| Credit loss provision to net charge-offs | 148.7603% | 1,786 |
| Earnings coverage of net charge-offs (x) | 5.6281% | 3,354 |
| Efficiency ratio | 58.9140% | 5,037 |
| Assets per employee ($millions) | 3.4613% | 4,890 |
| Cash dividends to net income (ytd only)* | 134.3706% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 702 |
| Loan loss allowance to noncurrent loans | 167.5941% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 1.2077% | 1,794 |
| Noncurrent loans to loans | 1.2432% | 1,901 |
| Net loans and leases to total assets | 69.5197% | 2,446 |
| Net loans and leases to deposits | 79.9711% | 2,826 |
| Net loans and leases to core deposits | 84.1287% | 2,952 |
| Total domestic deposits to total assets | 86.9310% | 2,176 |
| Equity capital to assets | 11.6302% | 2,248 |
| Core capital (leverage) ratio | 11.5871% | 1,896 |
| Tier 1 risk-based capital ratio | 15.3653% | 3,008 |
| Total risk-based capital ratio | 16.6249% | 2,938 |
| Memoranda: | ||
| Average total assets | $68,276,600 | 5,125 |
| Average earning assets | $61,001,000 | 5,162 |
| Average equity | $8,464,200 | 4,965 |
| Average total loans | $48,710,800 | 4,713 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5103% | 259 |
| Cost of funding earning assets | 0.5015% | 2,194 |
| Net interest margin | 5.0087% | 249 |
| Noninterest income to average assets | 0.4233% | 3,917 |
| Noninterest expense to average assets | 2.8649% | 2,958 |
| Loan and lease loss provision to assets | 0.5291% | 189 |
| Net operating income to assets | 1.0523% | 2,207 |
| Return on assets (ROA) | 1.0523% | 2,302 |
| Pretax return on assets | 1.4913% | 1,704 |
| Return on Equity (ROE) | 8.3569% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.3569% | 1,109 |
| Net charge-offs to loans | 0.1180% | 1,943 |
| Credit loss provision to net charge-offs | 627.9070% | 540 |
| Earnings coverage of net charge-offs (x) | 23.9775% | 1,710 |
| Efficiency ratio | 58.6442% | 5,047 |
| Assets per employee ($millions) | 3.3491% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3539% | 536 |
| Loan loss allowance to noncurrent loans | 147.5260% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.5064% | 1,496 |
| Noncurrent loans to loans | 1.5956% | 1,554 |
| Net loans and leases to total assets | 70.1677% | 2,364 |
| Net loans and leases to deposits | 81.0397% | 2,762 |
| Net loans and leases to core deposits | 84.3243% | 3,009 |
| Total domestic deposits to total assets | 86.5843% | 2,240 |
| Equity capital to assets | 13.2814% | 1,317 |
| Core capital (leverage) ratio | 13.4428% | 1,038 |
| Tier 1 risk-based capital ratio | 17.2814% | 2,263 |
| Total risk-based capital ratio | 18.5452% | 2,212 |
| Memoranda: | ||
| Average total assets | $68,039,500 | 5,195 |
| Average earning assets | $60,612,750 | 5,230 |
| Average equity | $8,567,500 | 5,003 |
| Average total loans | $48,601,250 | 4,764 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 277 |
| Cost of funding earning assets | 0.5150% | 2,113 |
| Net interest margin | 4.9586% | 270 |
| Noninterest income to average assets | 0.3860% | 4,182 |
| Noninterest expense to average assets | 2.8834% | 2,954 |
| Loan and lease loss provision to assets | 0.5264% | 186 |
| Net operating income to assets | 0.9650% | 2,565 |
| Return on assets (ROA) | 0.9650% | 2,674 |
| Pretax return on assets | 1.3686% | 2,115 |
| Return on Equity (ROE) | 7.8033% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.8033% | 1,345 |
| Net charge-offs to loans | 0.1764% | 1,402 |
| Credit loss provision to net charge-offs | 418.6047% | 716 |
| Earnings coverage of net charge-offs (x) | 15.0698% | 2,002 |
| Efficiency ratio | 60.3427% | 4,936 |
| Assets per employee ($millions) | 3.2140% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0987% | 857 |
| Loan loss allowance to noncurrent loans | 144.4598% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.4520% | 1,708 |
| Noncurrent loans to loans | 1.4528% | 1,830 |
| Net loans and leases to total assets | 72.0879% | 1,966 |
| Net loans and leases to deposits | 82.7719% | 2,468 |
| Net loans and leases to core deposits | 85.4016% | 2,832 |
| Total domestic deposits to total assets | 87.0922% | 2,117 |
| Equity capital to assets | 12.6915% | 1,553 |
| Core capital (leverage) ratio | 13.0598% | 1,142 |
| Tier 1 risk-based capital ratio | 16.4311% | 2,643 |
| Total risk-based capital ratio | 17.6887% | 2,600 |
| Memoranda: | ||
| Average total assets | $68,392,330 | 5,245 |
| Average earning assets | $60,581,670 | 5,293 |
| Average equity | $8,458,000 | 5,061 |
| Average total loans | $48,757,670 | 4,795 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 233 |
| Cost of funding earning assets | 0.5487% | 1,860 |
| Net interest margin | 5.0182% | 243 |
| Noninterest income to average assets | 0.4009% | 3,998 |
| Noninterest expense to average assets | 2.8297% | 3,139 |
| Loan and lease loss provision to assets | 0.5229% | 191 |
| Net operating income to assets | 0.9762% | 2,358 |
| Return on assets (ROA) | 0.9762% | 2,493 |
| Pretax return on assets | 1.4061% | 1,870 |
| Return on Equity (ROE) | 7.9962% | 2,958 |
| Retained earnings to average equity (ytd only) | 7.9962% | 1,575 |
| Net charge-offs to loans | 0.3562% | 688 |
| Credit loss provision to net charge-offs | 209.3023% | 1,023 |
| Earnings coverage of net charge-offs (x) | 7.7209% | 2,141 |
| Efficiency ratio | 59.4628% | 5,162 |
| Assets per employee ($millions) | 3.2750% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9921% | 1,099 |
| Loan loss allowance to noncurrent loans | 130.1913% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.5122% | 1,725 |
| Noncurrent loans to loans | 1.5301% | 1,838 |
| Net loans and leases to total assets | 68.1740% | 2,409 |
| Net loans and leases to deposits | 78.0874% | 2,787 |
| Net loans and leases to core deposits | 80.6488% | 3,086 |
| Total domestic deposits to total assets | 87.3048% | 2,213 |
| Equity capital to assets | 12.4349% | 1,732 |
| Core capital (leverage) ratio | 12.5992% | 1,317 |
| Tier 1 risk-based capital ratio | 16.5501% | 2,662 |
| Total risk-based capital ratio | 17.8062% | 2,607 |
| Memoranda: | ||
| Average total assets | $68,841,500 | 5,288 |
| Average earning assets | $59,782,000 | 5,357 |
| Average equity | $8,404,000 | 5,110 |
| Average total loans | $48,287,500 | 4,837 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5920% | 274 |
| Cost of funding earning assets | 0.5525% | 2,186 |
| Net interest margin | 5.0395% | 283 |
| Noninterest income to average assets | 0.6226% | 2,721 |
| Noninterest expense to average assets | 2.9566% | 2,979 |
| Loan and lease loss provision to assets | 0.6256% | 215 |
| Net operating income to assets | 1.0854% | 2,033 |
| Return on assets (ROA) | 1.0843% | 2,090 |
| Pretax return on assets | 1.5491% | 1,387 |
| Return on Equity (ROE) | 9.2508% | 2,463 |
| Retained earnings to average equity (ytd only) | 6.0740% | 1,876 |
| Net charge-offs to loans | 0.9145% | 352 |
| Credit loss provision to net charge-offs | 93.9597% | 2,556 |
| Earnings coverage of net charge-offs (x) | 3.2685% | 3,931 |
| Efficiency ratio | 57.6030% | 5,504 |
| Assets per employee ($millions) | 3.2814% | 5,288 |
| Cash dividends to net income (ytd only)* | 34.3407% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 1,402 |
| Loan loss allowance to noncurrent loans | 99.5604% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.7240% | 1,543 |
| Noncurrent loans to loans | 1.8672% | 1,521 |
| Net loans and leases to total assets | 69.4104% | 2,323 |
| Net loans and leases to deposits | 79.3885% | 2,798 |
| Net loans and leases to core deposits | 82.1299% | 3,093 |
| Total domestic deposits to total assets | 87.4312% | 2,069 |
| Equity capital to assets | 11.9810% | 2,029 |
| Core capital (leverage) ratio | 12.4744% | 1,365 |
| Tier 1 risk-based capital ratio | 15.9538% | 2,985 |
| Total risk-based capital ratio | 17.2109% | 2,929 |
| Memoranda: | ||
| Average total assets | $67,137,200 | 5,366 |
| Average earning assets | $60,085,800 | 5,391 |
| Average equity | $7,869,600 | 5,232 |
| Average total loans | $48,879,800 | 4,858 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5581% | 294 |
| Cost of funding earning assets | 0.5460% | 2,330 |
| Net interest margin | 5.0121% | 289 |
| Noninterest income to average assets | 0.6497% | 2,574 |
| Noninterest expense to average assets | 2.9667% | 2,916 |
| Loan and lease loss provision to assets | 0.6297% | 213 |
| Net operating income to assets | 1.0969% | 2,049 |
| Return on assets (ROA) | 1.0955% | 2,120 |
| Pretax return on assets | 1.5653% | 1,435 |
| Return on Equity (ROE) | 9.3998% | 2,498 |
| Retained earnings to average equity (ytd only) | 9.3998% | 871 |
| Net charge-offs to loans | 1.0821% | 271 |
| Credit loss provision to net charge-offs | 79.3451% | 2,609 |
| Earnings coverage of net charge-offs (x) | 2.7683% | 3,828 |
| Efficiency ratio | 57.4526% | 5,517 |
| Assets per employee ($millions) | 3.2693% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7538% | 1,812 |
| Loan loss allowance to noncurrent loans | 63.4128% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.4907% | 1,066 |
| Noncurrent loans to loans | 2.7658% | 1,013 |
| Net loans and leases to total assets | 69.4356% | 2,277 |
| Net loans and leases to deposits | 79.0498% | 2,831 |
| Net loans and leases to core deposits | 81.2943% | 3,173 |
| Total domestic deposits to total assets | 87.8377% | 1,843 |
| Equity capital to assets | 11.9015% | 2,151 |
| Core capital (leverage) ratio | 12.7962% | 1,265 |
| Tier 1 risk-based capital ratio | 16.0696% | 3,028 |
| Total risk-based capital ratio | 17.3255% | 2,977 |
| Memoranda: | ||
| Average total assets | $66,694,250 | 5,435 |
| Average earning assets | $60,066,750 | 5,453 |
| Average equity | $7,773,000 | 5,298 |
| Average total loans | $48,915,750 | 4,905 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5741% | 273 |
| Cost of funding earning assets | 0.5318% | 2,519 |
| Net interest margin | 5.0423% | 262 |
| Noninterest income to average assets | 0.6269% | 2,669 |
| Noninterest expense to average assets | 3.0224% | 2,755 |
| Loan and lease loss provision to assets | 0.6360% | 220 |
| Net operating income to assets | 1.0954% | 1,966 |
| Return on assets (ROA) | 1.0933% | 2,029 |
| Pretax return on assets | 1.5596% | 1,365 |
| Return on Equity (ROE) | 9.4499% | 2,392 |
| Retained earnings to average equity (ytd only) | 9.4499% | 849 |
| Net charge-offs to loans | 0.7911% | 482 |
| Credit loss provision to net charge-offs | 108.2474% | 1,850 |
| Earnings coverage of net charge-offs (x) | 3.7423% | 3,226 |
| Efficiency ratio | 57.8886% | 5,569 |
| Assets per employee ($millions) | 3.1887% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 1,582 |
| Loan loss allowance to noncurrent loans | 131.2586% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6457% | 1,982 |
| Noncurrent loans to loans | 1.4503% | 2,383 |
| Net loans and leases to total assets | 73.0284% | 1,566 |
| Net loans and leases to deposits | 85.8939% | 1,825 |
| Net loans and leases to core deposits | 88.4864% | 2,261 |
| Total domestic deposits to total assets | 85.0216% | 3,491 |
| Equity capital to assets | 11.9051% | 2,059 |
| Core capital (leverage) ratio | 12.6459% | 1,313 |
| Tier 1 risk-based capital ratio | 15.5859% | 3,305 |
| Total risk-based capital ratio | 16.8424% | 3,255 |
| Memoranda: | ||
| Average total assets | $66,040,670 | 5,506 |
| Average earning assets | $60,171,000 | 5,498 |
| Average equity | $7,640,330 | 5,360 |
| Average total loans | $49,047,000 | 4,923 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5212% | 282 |
| Cost of funding earning assets | 0.5220% | 2,694 |
| Net interest margin | 4.9992% | 272 |
| Noninterest income to average assets | 0.6465% | 2,484 |
| Noninterest expense to average assets | 2.9948% | 2,869 |
| Loan and lease loss provision to assets | 0.6404% | 197 |
| Net operating income to assets | 1.0900% | 1,852 |
| Return on assets (ROA) | 1.0857% | 1,936 |
| Pretax return on assets | 1.5615% | 1,259 |
| Return on Equity (ROE) | 9.5257% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.5257% | 1,097 |
| Net charge-offs to loans | 2.1297% | 115 |
| Credit loss provision to net charge-offs | 40.5405% | 2,293 |
| Earnings coverage of net charge-offs (x) | 1.3977% | 3,108 |
| Efficiency ratio | 57.5615% | 5,698 |
| Assets per employee ($millions) | 3.3259% | 5,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 2,798 |
| Loan loss allowance to noncurrent loans | 74.4031% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 2.0025% | 1,711 |
| Noncurrent loans to loans | 2.1226% | 1,730 |
| Net loans and leases to total assets | 72.9848% | 1,430 |
| Net loans and leases to deposits | 85.1958% | 1,704 |
| Net loans and leases to core deposits | 87.7395% | 2,123 |
| Total domestic deposits to total assets | 85.6670% | 3,525 |
| Equity capital to assets | 11.4841% | 2,264 |
| Core capital (leverage) ratio | 12.6611% | 1,315 |
| Tier 1 risk-based capital ratio | 15.3136% | 3,545 |
| Total risk-based capital ratio | 16.5663% | 3,495 |
| Memoranda: | ||
| Average total assets | $65,579,500 | 5,576 |
| Average earning assets | $59,770,000 | 5,565 |
| Average equity | $7,474,500 | 5,425 |
| Average total loans | $48,645,000 | 4,981 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6887% | 271 |
| Cost of funding earning assets | 0.6290% | 2,397 |
| Net interest margin | 5.0596% | 283 |
| Noninterest income to average assets | 0.6374% | 2,878 |
| Noninterest expense to average assets | 2.9439% | 3,218 |
| Loan and lease loss provision to assets | 0.6467% | 372 |
| Net operating income to assets | 1.1263% | 1,849 |
| Return on assets (ROA) | 1.1317% | 1,892 |
| Pretax return on assets | 1.6244% | 1,111 |
| Return on Equity (ROE) | 9.4216% | 2,361 |
| Retained earnings to average equity (ytd only) | 6.2170% | 1,836 |
| Net charge-offs to loans | 0.4286% | 1,558 |
| Credit loss provision to net charge-offs | 205.8824% | 1,114 |
| Earnings coverage of net charge-offs (x) | 7.2059% | 2,890 |
| Efficiency ratio | 56.5346% | 5,889 |
| Assets per employee ($millions) | 3.0781% | 5,711 |
| Cash dividends to net income (ytd only)* | 34.0136% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9452% | 1,679 |
| Loan loss allowance to noncurrent loans | 66.6429% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.6067% | 1,300 |
| Noncurrent loans to loans | 2.9189% | 1,198 |
| Net loans and leases to total assets | 72.7557% | 1,552 |
| Net loans and leases to deposits | 83.0127% | 2,053 |
| Net loans and leases to core deposits | 85.3044% | 2,532 |
| Total domestic deposits to total assets | 87.6441% | 2,396 |
| Equity capital to assets | 11.3086% | 2,329 |
| Core capital (leverage) ratio | 12.4085% | 1,402 |
| Tier 1 risk-based capital ratio | 15.3451% | 3,454 |
| Total risk-based capital ratio | 16.5938% | 3,408 |
| Memoranda: | ||
| Average total assets | $64,947,800 | 5,622 |
| Average earning assets | $58,660,200 | 5,636 |
| Average equity | $7,801,200 | 5,394 |
| Average total loans | $47,593,000 | 5,046 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6814% | 284 |
| Cost of funding earning assets | 0.6431% | 2,425 |
| Net interest margin | 5.0383% | 296 |
| Noninterest income to average assets | 0.6562% | 2,849 |
| Noninterest expense to average assets | 2.8932% | 3,327 |
| Loan and lease loss provision to assets | 0.6459% | 352 |
| Net operating income to assets | 1.1555% | 1,785 |
| Return on assets (ROA) | 1.1626% | 1,835 |
| Pretax return on assets | 1.6732% | 1,159 |
| Return on Equity (ROE) | 9.5404% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.5404% | 895 |
| Net charge-offs to loans | 0.3902% | 1,643 |
| Credit loss provision to net charge-offs | 226.6187% | 1,077 |
| Earnings coverage of net charge-offs (x) | 8.1007% | 2,680 |
| Efficiency ratio | 55.6169% | 5,960 |
| Assets per employee ($millions) | 3.1275% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 2,029 |
| Loan loss allowance to noncurrent loans | 50.5090% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 2.7148% | 1,384 |
| Noncurrent loans to loans | 3.7414% | 983 |
| Net loans and leases to total assets | 70.5909% | 1,852 |
| Net loans and leases to deposits | 81.2727% | 2,234 |
| Net loans and leases to core deposits | 84.7801% | 2,570 |
| Total domestic deposits to total assets | 86.8569% | 2,766 |
| Equity capital to assets | 12.5051% | 1,577 |
| Core capital (leverage) ratio | 12.4942% | 1,428 |
| Tier 1 risk-based capital ratio | 15.7095% | 3,346 |
| Total risk-based capital ratio | 16.9827% | 3,287 |
| Memoranda: | ||
| Average total assets | $65,024,500 | 5,685 |
| Average earning assets | $58,669,500 | 5,695 |
| Average equity | $7,924,000 | 5,413 |
| Average total loans | $47,500,500 | 5,092 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 278 |
| Cost of funding earning assets | 0.6670% | 2,340 |
| Net interest margin | 5.0282% | 300 |
| Noninterest income to average assets | 0.6141% | 3,105 |
| Noninterest expense to average assets | 2.9349% | 3,222 |
| Loan and lease loss provision to assets | 0.6481% | 381 |
| Net operating income to assets | 1.0909% | 1,950 |
| Return on assets (ROA) | 1.1017% | 2,036 |
| Pretax return on assets | 1.5832% | 1,414 |
| Return on Equity (ROE) | 9.1215% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.1215% | 1,078 |
| Net charge-offs to loans | 0.5885% | 1,123 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 5.1286% | 2,961 |
| Efficiency ratio | 56.9802% | 5,855 |
| Assets per employee ($millions) | 3.0450% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6834% | 2,841 |
| Loan loss allowance to noncurrent loans | 37.6195% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 3.4530% | 1,122 |
| Noncurrent loans to loans | 4.4747% | 780 |
| Net loans and leases to total assets | 71.8832% | 1,599 |
| Net loans and leases to deposits | 82.8153% | 1,950 |
| Net loans and leases to core deposits | 86.1655% | 2,318 |
| Total domestic deposits to total assets | 86.7994% | 2,941 |
| Equity capital to assets | 12.5156% | 1,566 |
| Core capital (leverage) ratio | 12.3155% | 1,448 |
| Tier 1 risk-based capital ratio | 15.4627% | 3,503 |
| Total risk-based capital ratio | 16.7354% | 3,441 |
| Memoranda: | ||
| Average total assets | $64,807,000 | 5,729 |
| Average earning assets | $58,470,670 | 5,743 |
| Average equity | $7,827,670 | 5,474 |
| Average total loans | $47,582,330 | 5,118 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7993% | 232 |
| Cost of funding earning assets | 0.6794% | 2,398 |
| Net interest margin | 5.1198% | 226 |
| Noninterest income to average assets | 0.5641% | 3,351 |
| Noninterest expense to average assets | 2.8633% | 3,493 |
| Loan and lease loss provision to assets | 0.6438% | 377 |
| Net operating income to assets | 1.1315% | 1,739 |
| Return on assets (ROA) | 1.1527% | 1,768 |
| Pretax return on assets | 1.6616% | 1,165 |
| Return on Equity (ROE) | 9.7158% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.7158% | 1,180 |
| Net charge-offs to loans | 0.7000% | 876 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 4.4167% | 2,565 |
| Efficiency ratio | 55.7279% | 6,086 |
| Assets per employee ($millions) | 3.2975% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 3,569 |
| Loan loss allowance to noncurrent loans | 45.3039% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 2.7612% | 1,645 |
| Noncurrent loans to loans | 3.4456% | 1,397 |
| Net loans and leases to total assets | 70.5686% | 1,569 |
| Net loans and leases to deposits | 80.7313% | 1,984 |
| Net loans and leases to core deposits | 83.9330% | 2,331 |
| Total domestic deposits to total assets | 87.4117% | 2,684 |
| Equity capital to assets | 11.8787% | 2,120 |
| Core capital (leverage) ratio | 11.8238% | 1,666 |
| Tier 1 risk-based capital ratio | 14.9096% | 3,906 |
| Total risk-based capital ratio | 16.1790% | 3,854 |
| Memoranda: | ||
| Average total assets | $65,238,500 | 5,767 |
| Average earning assets | $58,283,000 | 5,795 |
| Average equity | $7,740,000 | 5,570 |
| Average total loans | $47,997,500 | 5,129 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2471% | 183 |
| Cost of funding earning assets | 0.8612% | 2,208 |
| Net interest margin | 5.3859% | 202 |
| Noninterest income to average assets | 0.5941% | 3,315 |
| Noninterest expense to average assets | 2.9767% | 3,357 |
| Loan and lease loss provision to assets | 0.7698% | 645 |
| Net operating income to assets | 1.1400% | 1,803 |
| Return on assets (ROA) | 1.1400% | 1,975 |
| Pretax return on assets | 1.6718% | 1,204 |
| Return on Equity (ROE) | 9.9057% | 2,214 |
| Retained earnings to average equity (ytd only) | 6.5272% | 1,807 |
| Net charge-offs to loans | 0.9473% | 1,167 |
| Credit loss provision to net charge-offs | 105.7692% | 2,814 |
| Earnings coverage of net charge-offs (x) | 3.3547% | 3,764 |
| Efficiency ratio | 54.9369% | 6,181 |
| Assets per employee ($millions) | 3.2264% | 5,568 |
| Cash dividends to net income (ytd only)* | 34.1064% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 3,855 |
| Loan loss allowance to noncurrent loans | 42.9341% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 2.8391% | 1,687 |
| Noncurrent loans to loans | 3.4280% | 1,465 |
| Net loans and leases to total assets | 74.3875% | 1,141 |
| Net loans and leases to deposits | 85.5493% | 1,571 |
| Net loans and leases to core deposits | 88.8247% | 1,991 |
| Total domestic deposits to total assets | 86.9527% | 2,866 |
| Equity capital to assets | 11.8493% | 2,145 |
| Core capital (leverage) ratio | 11.8787% | 1,629 |
| Tier 1 risk-based capital ratio | 14.3001% | 4,165 |
| Total risk-based capital ratio | 15.5687% | 4,109 |
| Memoranda: | ||
| Average total assets | $64,300,400 | 5,805 |
| Average earning assets | $57,594,800 | 5,823 |
| Average equity | $7,399,800 | 5,663 |
| Average total loans | $49,403,200 | 5,132 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3384% | 170 |
| Cost of funding earning assets | 0.8972% | 2,191 |
| Net interest margin | 5.4412% | 193 |
| Noninterest income to average assets | 0.5334% | 3,723 |
| Noninterest expense to average assets | 2.9097% | 3,555 |
| Loan and lease loss provision to assets | 0.7471% | 665 |
| Net operating income to assets | 1.1539% | 1,888 |
| Return on assets (ROA) | 1.1539% | 2,085 |
| Pretax return on assets | 1.7350% | 1,193 |
| Return on Equity (ROE) | 10.1020% | 2,299 |
| Retained earnings to average equity (ytd only) | 10.1020% | 886 |
| Net charge-offs to loans | 0.4115% | 2,451 |
| Credit loss provision to net charge-offs | 235.2941% | 1,178 |
| Earnings coverage of net charge-offs (x) | 7.8172% | 2,545 |
| Efficiency ratio | 53.9646% | 6,253 |
| Assets per employee ($millions) | 3.2131% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 2,819 |
| Loan loss allowance to noncurrent loans | 65.0000% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 2.4074% | 2,209 |
| Noncurrent loans to loans | 2.7561% | 2,055 |
| Net loans and leases to total assets | 76.5223% | 892 |
| Net loans and leases to deposits | 87.0660% | 1,473 |
| Net loans and leases to core deposits | 90.8241% | 1,893 |
| Total domestic deposits to total assets | 87.8900% | 2,107 |
| Equity capital to assets | 11.8657% | 2,379 |
| Core capital (leverage) ratio | 11.9385% | 1,691 |
| Tier 1 risk-based capital ratio | 14.3166% | 4,319 |
| Total risk-based capital ratio | 15.5896% | 4,275 |
| Memoranda: | ||
| Average total assets | $64,243,750 | 5,872 |
| Average earning assets | $57,363,500 | 5,897 |
| Average equity | $7,338,250 | 5,733 |
| Average total loans | $49,574,750 | 5,187 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3827% | 168 |
| Cost of funding earning assets | 0.9384% | 2,130 |
| Net interest margin | 5.4443% | 193 |
| Noninterest income to average assets | 0.4732% | 4,107 |
| Noninterest expense to average assets | 2.9453% | 3,457 |
| Loan and lease loss provision to assets | 0.7472% | 700 |
| Net operating income to assets | 1.0866% | 2,095 |
| Return on assets (ROA) | 1.0866% | 2,317 |
| Pretax return on assets | 1.6034% | 1,539 |
| Return on Equity (ROE) | 9.6373% | 2,518 |
| Retained earnings to average equity (ytd only) | 9.6373% | 1,076 |
| Net charge-offs to loans | 0.5465% | 1,951 |
| Credit loss provision to net charge-offs | 177.7778% | 1,585 |
| Earnings coverage of net charge-offs (x) | 5.5926% | 2,802 |
| Efficiency ratio | 55.6143% | 6,160 |
| Assets per employee ($millions) | 3.1502% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,625 |
| Loan loss allowance to noncurrent loans | 84.3054% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.8269% | 3,003 |
| Noncurrent loans to loans | 1.8916% | 3,088 |
| Net loans and leases to total assets | 77.8630% | 741 |
| Net loans and leases to deposits | 88.5391% | 1,316 |
| Net loans and leases to core deposits | 92.4312% | 1,740 |
| Total domestic deposits to total assets | 87.9418% | 2,182 |
| Equity capital to assets | 11.7740% | 2,343 |
| Core capital (leverage) ratio | 11.8038% | 1,722 |
| Tier 1 risk-based capital ratio | 13.9878% | 4,459 |
| Total risk-based capital ratio | 15.2361% | 4,429 |
| Memoranda: | ||
| Average total assets | $64,238,000 | 5,910 |
| Average earning assets | $56,904,000 | 5,949 |
| Average equity | $7,242,670 | 5,772 |
| Average total loans | $49,409,330 | 5,217 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4751% | 166 |
| Cost of funding earning assets | 1.0146% | 1,892 |
| Net interest margin | 5.4605% | 197 |
| Noninterest income to average assets | 0.4071% | 4,621 |
| Noninterest expense to average assets | 2.8864% | 3,679 |
| Loan and lease loss provision to assets | 0.7401% | 687 |
| Net operating income to assets | 1.0608% | 2,250 |
| Return on assets (ROA) | 1.0608% | 2,444 |
| Pretax return on assets | 1.5604% | 1,705 |
| Return on Equity (ROE) | 9.6157% | 2,556 |
| Retained earnings to average equity (ytd only) | 9.6157% | 1,377 |
| Net charge-offs to loans | 0.0488% | 4,020 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 62.1667% | 538 |
| Efficiency ratio | 55.6480% | 6,160 |
| Assets per employee ($millions) | 3.1342% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,582 |
| Loan loss allowance to noncurrent loans | 93.5972% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.6774% | 3,343 |
| Noncurrent loans to loans | 1.7507% | 3,486 |
| Net loans and leases to total assets | 73.3264% | 1,168 |
| Net loans and leases to deposits | 82.7949% | 1,819 |
| Net loans and leases to core deposits | 90.1638% | 1,836 |
| Total domestic deposits to total assets | 88.5639% | 1,972 |
| Equity capital to assets | 11.0015% | 2,904 |
| Core capital (leverage) ratio | 11.0509% | 2,218 |
| Tier 1 risk-based capital ratio | 13.6713% | 4,700 |
| Total risk-based capital ratio | 14.9419% | 4,667 |
| Memoranda: | ||
| Average total assets | $64,855,500 | 5,925 |
| Average earning assets | $56,771,500 | 5,983 |
| Average equity | $7,155,000 | 5,821 |
| Average total loans | $49,188,500 | 5,257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5963% | 160 |
| Cost of funding earning assets | 1.1545% | 2,324 |
| Net interest margin | 5.4418% | 196 |
| Noninterest income to average assets | 0.6757% | 2,752 |
| Noninterest expense to average assets | 2.9281% | 3,853 |
| Loan and lease loss provision to assets | 0.9585% | 1,003 |
| Net operating income to assets | 1.1015% | 1,827 |
| Return on assets (ROA) | 1.1406% | 1,812 |
| Pretax return on assets | 1.6805% | 1,033 |
| Return on Equity (ROE) | 10.4362% | 1,897 |
| Retained earnings to average equity (ytd only) | 7.0013% | 1,504 |
| Net charge-offs to loans | 1.1267% | 1,520 |
| Credit loss provision to net charge-offs | 106.1947% | 3,205 |
| Earnings coverage of net charge-offs (x) | 2.8602% | 3,780 |
| Efficiency ratio | 53.1458% | 6,595 |
| Assets per employee ($millions) | 3.1947% | 5,716 |
| Cash dividends to net income (ytd only)* | 32.9132% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,463 |
| Loan loss allowance to noncurrent loans | 75.9076% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.9814% | 2,996 |
| Noncurrent loans to loans | 1.8434% | 3,421 |
| Net loans and leases to total assets | 76.0975% | 939 |
| Net loans and leases to deposits | 86.2472% | 1,636 |
| Net loans and leases to core deposits | 94.2085% | 1,670 |
| Total domestic deposits to total assets | 88.2319% | 2,009 |
| Equity capital to assets | 11.0638% | 2,929 |
| Core capital (leverage) ratio | 11.1834% | 2,134 |
| Tier 1 risk-based capital ratio | 13.4481% | 4,736 |
| Total risk-based capital ratio | 14.7170% | 4,686 |
| Memoranda: | ||
| Average total assets | $62,600,200 | 5,967 |
| Average earning assets | $55,607,000 | 6,001 |
| Average equity | $6,841,600 | 5,912 |
| Average total loans | $50,147,800 | 5,261 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6605% | 156 |
| Cost of funding earning assets | 1.1772% | 2,468 |
| Net interest margin | 5.4832% | 178 |
| Noninterest income to average assets | 0.6658% | 2,796 |
| Noninterest expense to average assets | 2.9716% | 3,669 |
| Loan and lease loss provision to assets | 1.2846% | 586 |
| Net operating income to assets | 0.8824% | 2,813 |
| Return on assets (ROA) | 0.9356% | 2,751 |
| Pretax return on assets | 1.3531% | 2,105 |
| Return on Equity (ROE) | 8.5876% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.5876% | 1,284 |
| Net charge-offs to loans | 1.1279% | 1,406 |
| Credit loss provision to net charge-offs | 140.8451% | 2,257 |
| Earnings coverage of net charge-offs (x) | 2.8075% | 3,731 |
| Efficiency ratio | 53.7152% | 6,519 |
| Assets per employee ($millions) | 3.2118% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 3,302 |
| Loan loss allowance to noncurrent loans | 105.6051% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7685% | 3,447 |
| Noncurrent loans to loans | 1.6025% | 3,894 |
| Net loans and leases to total assets | 74.9685% | 1,146 |
| Net loans and leases to deposits | 84.5673% | 1,907 |
| Net loans and leases to core deposits | 92.7772% | 1,909 |
| Total domestic deposits to total assets | 88.6495% | 1,657 |
| Equity capital to assets | 10.9395% | 3,200 |
| Core capital (leverage) ratio | 11.3038% | 2,155 |
| Tier 1 risk-based capital ratio | 13.5163% | 4,724 |
| Total risk-based capital ratio | 14.7877% | 4,676 |
| Memoranda: | ||
| Average total assets | $62,277,000 | 6,025 |
| Average earning assets | $55,270,000 | 6,058 |
| Average equity | $6,784,750 | 5,971 |
| Average total loans | $50,357,000 | 5,294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6912% | 165 |
| Cost of funding earning assets | 1.1863% | 2,669 |
| Net interest margin | 5.5049% | 179 |
| Noninterest income to average assets | 0.7172% | 2,448 |
| Noninterest expense to average assets | 2.9956% | 3,658 |
| Loan and lease loss provision to assets | 1.7039% | 397 |
| Net operating income to assets | 0.5550% | 4,289 |
| Return on assets (ROA) | 0.5550% | 4,415 |
| Pretax return on assets | 1.0029% | 3,227 |
| Return on Equity (ROE) | 5.1014% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.1014% | 2,941 |
| Net charge-offs to loans | 1.6334% | 891 |
| Credit loss provision to net charge-offs | 126.5060% | 2,419 |
| Earnings coverage of net charge-offs (x) | 2.0096% | 3,863 |
| Efficiency ratio | 52.5327% | 6,753 |
| Assets per employee ($millions) | 3.0581% | 5,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 4,031 |
| Loan loss allowance to noncurrent loans | 168.1319% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.3178% | 4,272 |
| Noncurrent loans to loans | 0.9045% | 5,156 |
| Net loans and leases to total assets | 81.0010% | 447 |
| Net loans and leases to deposits | 91.3164% | 1,128 |
| Net loans and leases to core deposits | 100.6399% | 1,286 |
| Total domestic deposits to total assets | 88.7036% | 1,717 |
| Equity capital to assets | 11.0544% | 2,900 |
| Core capital (leverage) ratio | 11.0150% | 2,235 |
| Tier 1 risk-based capital ratio | 12.8312% | 5,066 |
| Total risk-based capital ratio | 14.1008% | 5,016 |
| Memoranda: | ||
| Average total assets | $61,624,330 | 6,089 |
| Average earning assets | $55,804,670 | 6,087 |
| Average equity | $6,704,000 | 6,017 |
| Average total loans | $50,814,330 | 5,322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6214% | 176 |
| Cost of funding earning assets | 1.2019% | 2,805 |
| Net interest margin | 5.4194% | 189 |
| Noninterest income to average assets | 0.7631% | 2,203 |
| Noninterest expense to average assets | 3.1040% | 3,229 |
| Loan and lease loss provision to assets | 0.9700% | 802 |
| Net operating income to assets | 1.1058% | 1,823 |
| Return on assets (ROA) | 1.1058% | 1,873 |
| Pretax return on assets | 1.6167% | 1,150 |
| Return on Equity (ROE) | 10.2464% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.2464% | 1,063 |
| Net charge-offs to loans | -0.0078% | 6,303 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5455% | 6,641 |
| Assets per employee ($millions) | 3.0787% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 3,808 |
| Loan loss allowance to noncurrent loans | 110.1093% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2635% | 4,423 |
| Noncurrent loans to loans | 1.4370% | 4,316 |
| Net loans and leases to total assets | 81.4207% | 397 |
| Net loans and leases to deposits | 91.7919% | 1,042 |
| Net loans and leases to core deposits | 100.0599% | 1,331 |
| Total domestic deposits to total assets | 88.7014% | 1,957 |
| Equity capital to assets | 10.9803% | 2,709 |
| Core capital (leverage) ratio | 10.8412% | 2,320 |
| Tier 1 risk-based capital ratio | 12.7297% | 5,033 |
| Total risk-based capital ratio | 13.9987% | 4,993 |
| Memoranda: | ||
| Average total assets | $61,856,000 | 6,128 |
| Average earning assets | $56,242,000 | 6,123 |
| Average equity | $6,675,500 | 6,034 |
| Average total loans | $51,068,500 | 5,362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6426% | 255 |
| Cost of funding earning assets | 1.5563% | 2,326 |
| Net interest margin | 5.0863% | 365 |
| Noninterest income to average assets | 0.5442% | 3,858 |
| Noninterest expense to average assets | 2.6711% | 5,120 |
| Loan and lease loss provision to assets | 0.7255% | 2,264 |
| Net operating income to assets | 1.1689% | 1,488 |
| Return on assets (ROA) | 1.1689% | 1,565 |
| Pretax return on assets | 1.6061% | 1,114 |
| Return on Equity (ROE) | 11.8453% | 1,350 |
| Retained earnings to average equity (ytd only) | 8.7033% | 785 |
| Net charge-offs to loans | 0.7269% | 2,838 |
| Credit loss provision to net charge-offs | 125.1337% | 3,261 |
| Earnings coverage of net charge-offs (x) | 4.0214% | 3,099 |
| Efficiency ratio | 53.3932% | 6,857 |
| Assets per employee ($millions) | 3.1069% | 5,870 |
| Cash dividends to net income (ytd only)* | 26.5252% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 5,111 |
| Loan loss allowance to noncurrent loans | 85.2865% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3100% | 4,406 |
| Noncurrent loans to loans | 1.5001% | 4,227 |
| Net loans and leases to total assets | 81.3383% | 506 |
| Net loans and leases to deposits | 91.5268% | 1,322 |
| Net loans and leases to core deposits | 100.7837% | 1,553 |
| Total domestic deposits to total assets | 88.8683% | 1,734 |
| Equity capital to assets | 10.6054% | 3,062 |
| Core capital (leverage) ratio | 10.3860% | 2,688 |
| Tier 1 risk-based capital ratio | 12.3288% | 5,182 |
| Total risk-based capital ratio | 13.5542% | 5,171 |
| Memoranda: | ||
| Average total assets | $64,504,200 | 6,048 |
| Average earning assets | $56,544,200 | 6,119 |
| Average equity | $6,365,400 | 6,246 |
| Average total loans | $51,452,600 | 5,426 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6098% | 283 |
| Cost of funding earning assets | 1.6265% | 2,238 |
| Net interest margin | 4.9833% | 456 |
| Noninterest income to average assets | 0.4916% | 4,257 |
| Noninterest expense to average assets | 2.6156% | 5,261 |
| Loan and lease loss provision to assets | 0.6513% | 2,346 |
| Net operating income to assets | 1.0712% | 2,001 |
| Return on assets (ROA) | 1.0712% | 2,111 |
| Pretax return on assets | 1.5546% | 1,463 |
| Return on Equity (ROE) | 11.0523% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.0523% | 599 |
| Net charge-offs to loans | -0.0078% | 7,247 |
| Credit loss provision to net charge-offs | -10,600.0000% | 7,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2481% | 6,768 |
| Assets per employee ($millions) | 3.2975% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 3,219 |
| Loan loss allowance to noncurrent loans | 70.8099% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 3,517 |
| Noncurrent loans to loans | 2.3723% | 3,268 |
| Net loans and leases to total assets | 78.3669% | 974 |
| Net loans and leases to deposits | 87.1346% | 2,135 |
| Net loans and leases to core deposits | 97.0591% | 2,139 |
| Total domestic deposits to total assets | 89.9378% | 915 |
| Equity capital to assets | 9.9454% | 4,225 |
| Core capital (leverage) ratio | 9.8067% | 3,478 |
| Tier 1 risk-based capital ratio | 11.9255% | 5,530 |
| Total risk-based capital ratio | 13.1964% | 5,481 |
| Memoranda: | ||
| Average total assets | $65,095,750 | 6,095 |
| Average earning assets | $56,561,250 | 6,184 |
| Average equity | $6,309,250 | 6,351 |
| Average total loans | $51,516,500 | 5,502 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5583% | 311 |
| Cost of funding earning assets | 1.6875% | 2,180 |
| Net interest margin | 4.8708% | 572 |
| Noninterest income to average assets | 0.4721% | 4,341 |
| Noninterest expense to average assets | 2.5212% | 5,641 |
| Loan and lease loss provision to assets | 0.5184% | 2,715 |
| Net operating income to assets | 1.1418% | 1,719 |
| Return on assets (ROA) | 1.1418% | 1,786 |
| Pretax return on assets | 1.6633% | 1,133 |
| Return on Equity (ROE) | 11.8856% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.8856% | 511 |
| Net charge-offs to loans | -0.0117% | 7,220 |
| Credit loss provision to net charge-offs | -5,600.0000% | 7,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6089% | 6,924 |
| Assets per employee ($millions) | 3.4410% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 4,438 |
| Loan loss allowance to noncurrent loans | 58.8755% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 1.8803% | 3,646 |
| Noncurrent loans to loans | 2.3736% | 3,288 |
| Net loans and leases to total assets | 75.1522% | 1,660 |
| Net loans and leases to deposits | 83.1362% | 3,047 |
| Net loans and leases to core deposits | 91.3118% | 3,080 |
| Total domestic deposits to total assets | 90.3965% | 723 |
| Equity capital to assets | 9.3085% | 4,992 |
| Core capital (leverage) ratio | 10.0949% | 3,071 |
| Tier 1 risk-based capital ratio | 11.4729% | 5,795 |
| Total risk-based capital ratio | 12.7409% | 5,750 |
| Memoranda: | ||
| Average total assets | $64,811,000 | 6,148 |
| Average earning assets | $56,295,000 | 6,229 |
| Average equity | $6,226,000 | 6,397 |
| Average total loans | $51,166,670 | 5,560 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5368% | 334 |
| Cost of funding earning assets | 1.7422% | 2,172 |
| Net interest margin | 4.7946% | 654 |
| Noninterest income to average assets | 0.4076% | 4,850 |
| Noninterest expense to average assets | 2.5347% | 5,597 |
| Loan and lease loss provision to assets | 0.2293% | 4,208 |
| Net operating income to assets | 1.2674% | 1,369 |
| Return on assets (ROA) | 1.2674% | 1,441 |
| Pretax return on assets | 1.8851% | 754 |
| Return on Equity (ROE) | 12.9726% | 1,260 |
| Retained earnings to average equity (ytd only) | 12.9726% | 621 |
| Net charge-offs to loans | -0.0633% | 7,416 |
| Credit loss provision to net charge-offs | -450.0000% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5205% | 6,925 |
| Assets per employee ($millions) | 3.3434% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,524 |
| Loan loss allowance to noncurrent loans | 38.1703% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 2.7438% | 2,651 |
| Noncurrent loans to loans | 3.1359% | 2,560 |
| Net loans and leases to total assets | 78.6116% | 1,036 |
| Net loans and leases to deposits | 87.3943% | 2,336 |
| Net loans and leases to core deposits | 98.3167% | 2,309 |
| Total domestic deposits to total assets | 89.9504% | 1,012 |
| Equity capital to assets | 9.8166% | 4,086 |
| Core capital (leverage) ratio | 10.0927% | 3,049 |
| Tier 1 risk-based capital ratio | 11.6895% | 5,502 |
| Total risk-based capital ratio | 12.8236% | 5,578 |
| Memoranda: | ||
| Average total assets | $62,807,000 | 6,274 |
| Average earning assets | $55,562,500 | 6,341 |
| Average equity | $6,136,000 | 6,472 |
| Average total loans | $50,524,000 | 5,647 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7330% | 434 |
| Cost of funding earning assets | 1.8628% | 3,660 |
| Net interest margin | 4.8701% | 599 |
| Noninterest income to average assets | 0.5361% | 4,131 |
| Noninterest expense to average assets | 2.8108% | 4,933 |
| Loan and lease loss provision to assets | 0.4093% | 4,355 |
| Net operating income to assets | 1.2696% | 1,091 |
| Return on assets (ROA) | 1.2696% | 1,151 |
| Pretax return on assets | 1.8708% | 547 |
| Return on Equity (ROE) | 12.0001% | 1,163 |
| Retained earnings to average equity (ytd only) | 8.7476% | 534 |
| Net charge-offs to loans | 0.4688% | 3,906 |
| Credit loss provision to net charge-offs | 101.3453% | 5,447 |
| Earnings coverage of net charge-offs (x) | 5.6457% | 2,537 |
| Efficiency ratio | 55.2117% | 7,105 |
| Assets per employee ($millions) | 3.4494% | 5,130 |
| Cash dividends to net income (ytd only)* | 27.1041% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,839 |
| Loan loss allowance to noncurrent loans | 262.6168% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 5,886 |
| Noncurrent loans to loans | 0.4237% | 6,422 |
| Net loans and leases to total assets | 80.4378% | 917 |
| Net loans and leases to deposits | 89.6691% | 2,269 |
| Net loans and leases to core deposits | 131.0358% | 1,227 |
| Total domestic deposits to total assets | 89.7051% | 1,105 |
| Equity capital to assets | 9.7215% | 4,116 |
| Core capital (leverage) ratio | 9.8154% | 3,308 |
| Tier 1 risk-based capital ratio | 11.4219% | 5,481 |
| Total risk-based capital ratio | 12.4853% | 5,632 |
| Memoranda: | ||
| Average total assets | $55,216,000 | 6,522 |
| Average earning assets | $51,641,400 | 6,474 |
| Average equity | $5,841,600 | 6,654 |
| Average total loans | $47,570,000 | 5,781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7159% | 495 |
| Cost of funding earning assets | 1.8790% | 3,994 |
| Net interest margin | 4.8369% | 644 |
| Noninterest income to average assets | 0.6106% | 3,618 |
| Noninterest expense to average assets | 2.8387% | 4,726 |
| Loan and lease loss provision to assets | 0.2966% | 4,595 |
| Net operating income to assets | 1.3807% | 1,065 |
| Return on assets (ROA) | 1.3807% | 1,126 |
| Pretax return on assets | 2.0561% | 489 |
| Return on Equity (ROE) | 12.7507% | 1,157 |
| Retained earnings to average equity (ytd only) | 12.7507% | 278 |
| Net charge-offs to loans | 0.1936% | 4,850 |
| Credit loss provision to net charge-offs | 175.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 13.8831% | 1,644 |
| Efficiency ratio | 54.6807% | 7,163 |
| Assets per employee ($millions) | 3.1949% | 5,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 5,060 |
| Loan loss allowance to noncurrent loans | 166.8493% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9581% | 5,146 |
| Noncurrent loans to loans | 0.7235% | 5,860 |
| Net loans and leases to total assets | 86.6664% | 298 |
| Net loans and leases to deposits | 97.1995% | 1,417 |
| Net loans and leases to core deposits | 146.7552% | 664 |
| Total domestic deposits to total assets | 89.1634% | 1,124 |
| Equity capital to assets | 10.5705% | 3,434 |
| Core capital (leverage) ratio | 10.7170% | 2,629 |
| Tier 1 risk-based capital ratio | 11.8965% | 5,067 |
| Total risk-based capital ratio | 13.0883% | 5,058 |
| Memoranda: | ||
| Average total assets | $53,497,750 | 6,622 |
| Average earning assets | $50,664,750 | 6,552 |
| Average equity | $5,793,000 | 6,737 |
| Average total loans | $46,836,250 | 5,856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7136% | 531 |
| Cost of funding earning assets | 1.9367% | 4,081 |
| Net interest margin | 4.7769% | 686 |
| Noninterest income to average assets | 0.6327% | 3,452 |
| Noninterest expense to average assets | 2.9064% | 4,480 |
| Loan and lease loss provision to assets | 0.1955% | 5,103 |
| Net operating income to assets | 1.3688% | 1,085 |
| Return on assets (ROA) | 1.3688% | 1,153 |
| Pretax return on assets | 2.0514% | 491 |
| Return on Equity (ROE) | 12.5314% | 1,279 |
| Retained earnings to average equity (ytd only) | 12.5314% | 375 |
| Net charge-offs to loans | 0.3024% | 3,674 |
| Credit loss provision to net charge-offs | 73.9130% | 5,343 |
| Earnings coverage of net charge-offs (x) | 8.4928% | 2,252 |
| Efficiency ratio | 56.3988% | 7,069 |
| Assets per employee ($millions) | 3.0059% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,309 |
| Loan loss allowance to noncurrent loans | 262.1359% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7652% | 5,484 |
| Noncurrent loans to loans | 0.4364% | 6,428 |
| Net loans and leases to total assets | 86.2458% | 357 |
| Net loans and leases to deposits | 97.1135% | 1,649 |
| Net loans and leases to core deposits | 139.8412% | 1,017 |
| Total domestic deposits to total assets | 88.8092% | 1,368 |
| Equity capital to assets | 10.8729% | 3,041 |
| Core capital (leverage) ratio | 10.9629% | 2,433 |
| Tier 1 risk-based capital ratio | 12.3686% | 4,625 |
| Total risk-based capital ratio | 13.5039% | 4,636 |
| Memoranda: | ||
| Average total assets | $52,160,670 | 6,739 |
| Average earning assets | $49,362,670 | 6,659 |
| Average equity | $5,697,670 | 6,832 |
| Average total loans | $45,631,670 | 5,952 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7484% | 533 |
| Cost of funding earning assets | 2.0130% | 4,068 |
| Net interest margin | 4.7354% | 712 |
| Noninterest income to average assets | 0.5626% | 3,812 |
| Noninterest expense to average assets | 2.9773% | 3,862 |
| Loan and lease loss provision to assets | 0.1875% | 4,562 |
| Net operating income to assets | 1.2425% | 1,531 |
| Return on assets (ROA) | 1.2425% | 1,637 |
| Pretax return on assets | 1.8833% | 834 |
| Return on Equity (ROE) | 11.3470% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.3470% | 914 |
| Net charge-offs to loans | 0.5887% | 2,000 |
| Credit loss provision to net charge-offs | 36.3636% | 4,866 |
| Earnings coverage of net charge-offs (x) | 4.0152% | 3,003 |
| Efficiency ratio | 58.9783% | 6,556 |
| Assets per employee ($millions) | 2.8739% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 5,210 |
| Loan loss allowance to noncurrent loans | 234.5455% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 5,134 |
| Noncurrent loans to loans | 0.4846% | 6,217 |
| Net loans and leases to total assets | 86.7640% | 361 |
| Net loans and leases to deposits | 99.8754% | 1,430 |
| Net loans and leases to core deposits | 136.3230% | 1,284 |
| Total domestic deposits to total assets | 86.8722% | 2,282 |
| Equity capital to assets | 10.9898% | 2,972 |
| Core capital (leverage) ratio | 11.0618% | 2,456 |
| Tier 1 risk-based capital ratio | 12.4701% | 4,567 |
| Total risk-based capital ratio | 13.6020% | 4,581 |
| Memoranda: | ||
| Average total assets | $51,187,500 | 6,811 |
| Average earning assets | $48,485,500 | 6,730 |
| Average equity | $5,605,000 | 6,916 |
| Average total loans | $44,845,000 | 6,020 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3089% | 586 |
| Cost of funding earning assets | 2.4836% | 4,291 |
| Net interest margin | 4.8253% | 741 |
| Noninterest income to average assets | 0.5198% | 4,467 |
| Noninterest expense to average assets | 2.9667% | 4,195 |
| Loan and lease loss provision to assets | 0.0866% | 6,299 |
| Net operating income to assets | 1.3143% | 1,446 |
| Return on assets (ROA) | 1.3143% | 1,400 |
| Pretax return on assets | 1.9905% | 621 |
| Return on Equity (ROE) | 11.5954% | 1,716 |
| Retained earnings to average equity (ytd only) | 7.8670% | 885 |
| Net charge-offs to loans | 0.0413% | 6,202 |
| Credit loss provision to net charge-offs | 241.1765% | 1,940 |
| Earnings coverage of net charge-offs (x) | 57.8235% | 690 |
| Efficiency ratio | 58.8186% | 6,552 |
| Assets per employee ($millions) | 3.1653% | 5,576 |
| Cash dividends to net income (ytd only)* | 32.1543% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 4,049 |
| Loan loss allowance to noncurrent loans | 208.9888% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 4,517 |
| Noncurrent loans to loans | 0.6028% | 5,568 |
| Net loans and leases to total assets | 86.3521% | 562 |
| Net loans and leases to deposits | 101.1776% | 1,680 |
| Net loans and leases to core deposits | 136.7896% | 1,449 |
| Total domestic deposits to total assets | 85.3470% | 2,688 |
| Equity capital to assets | 10.9093% | 3,111 |
| Core capital (leverage) ratio | 10.9924% | 2,596 |
| Tier 1 risk-based capital ratio | 12.4496% | 4,475 |
| Total risk-based capital ratio | 13.7069% | 4,365 |
| Memoranda: | ||
| Average total assets | $47,325,200 | 6,887 |
| Average earning assets | $44,370,400 | 6,842 |
| Average equity | $5,364,200 | 7,027 |
| Average total loans | $41,157,200 | 6,114 |