Home > Grand Timber Bank > Performance and Condition Ratios
Grand Timber 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 | 6.1029% | 560 |
| Cost of funding earning assets | 0.7753% | 3,800 |
| Net interest margin | 5.3276% | 228 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 3.1044% | 953 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.5676% | 910 |
| Return on assets (ROA) | 1.5676% | 876 |
| Pretax return on assets | 2.1724% | 511 |
| Return on Equity (ROE) | 11.7200% | 2,033 |
| Retained earnings to average equity (ytd only) | 8.5184% | 1,390 |
| Net charge-offs to loans | 0.0196% | 1,960 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 141.8889% | 738 |
| Efficiency ratio | 58.6598% | 3,224 |
| Assets per employee ($millions) | 5.0208% | 3,617 |
| Cash dividends to net income (ytd only)* | 27.3224% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,696 |
| Loan loss allowance to noncurrent loans | 78.0576% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3842% | 286 |
| Noncurrent loans to loans | 1.6861% | 372 |
| Net loans and leases to total assets | 81.0200% | 529 |
| Net loans and leases to deposits | 102.6109% | 412 |
| Net loans and leases to core deposits | 105.0715% | 1,161 |
| Total domestic deposits to total assets | 78.9500% | 3,618 |
| Equity capital to assets | 13.5253% | 762 |
| Core capital (leverage) ratio | 11.4561% | 1,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8927% | 1,294 |
| Memoranda: | ||
| Average total assets | $58,369,400 | 4,229 |
| Average earning assets | $54,170,800 | 4,208 |
| Average equity | $7,806,600 | 3,952 |
| Average total loans | $46,015,000 | 3,899 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0222% | 518 |
| Cost of funding earning assets | 0.6487% | 3,873 |
| Net interest margin | 5.3735% | 203 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.2239% | 791 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5152% | 1,089 |
| Return on assets (ROA) | 1.5152% | 1,082 |
| Pretax return on assets | 2.1094% | 649 |
| Return on Equity (ROE) | 11.3600% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.2041% | 1,635 |
| Net charge-offs to loans | -0.0148% | 4,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.2151% | 2,939 |
| Assets per employee ($millions) | 4.9060% | 3,669 |
| Cash dividends to net income (ytd only)* | 18.9970% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,446 |
| Loan loss allowance to noncurrent loans | 111.5772% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 510 |
| Noncurrent loans to loans | 1.2543% | 614 |
| Net loans and leases to total assets | 79.5800% | 696 |
| Net loans and leases to deposits | 100.6812% | 481 |
| Net loans and leases to core deposits | 102.4536% | 1,188 |
| Total domestic deposits to total assets | 79.0400% | 3,688 |
| Equity capital to assets | 13.3833% | 745 |
| Core capital (leverage) ratio | 11.2467% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9834% | 1,321 |
| Memoranda: | ||
| Average total assets | $57,899,250 | 4,247 |
| Average earning assets | $53,645,000 | 4,226 |
| Average equity | $7,721,000 | 3,962 |
| Average total loans | $45,153,000 | 3,921 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6444% | 697 |
| Cost of funding earning assets | 0.4588% | 4,063 |
| Net interest margin | 5.1856% | 248 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.2236% | 768 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.4485% | 1,218 |
| Return on assets (ROA) | 1.4485% | 1,205 |
| Pretax return on assets | 2.0356% | 709 |
| Return on Equity (ROE) | 10.8800% | 2,451 |
| Retained earnings to average equity (ytd only) | 7.6157% | 2,092 |
| Net charge-offs to loans | -0.0180% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.9324% | 2,854 |
| Assets per employee ($millions) | 5.0302% | 3,574 |
| Cash dividends to net income (ytd only)* | 29.9760% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 1,401 |
| Loan loss allowance to noncurrent loans | 115.8813% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0222% | 449 |
| Noncurrent loans to loans | 1.2395% | 571 |
| Net loans and leases to total assets | 75.4900% | 1,104 |
| Net loans and leases to deposits | 94.8798% | 791 |
| Net loans and leases to core deposits | 97.1101% | 1,403 |
| Total domestic deposits to total assets | 79.5600% | 3,642 |
| Equity capital to assets | 12.6785% | 892 |
| Core capital (leverage) ratio | 11.5333% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6029% | 1,406 |
| Memoranda: | ||
| Average total assets | $57,575,000 | 4,274 |
| Average earning assets | $53,185,333 | 4,253 |
| Average equity | $7,668,333 | 3,990 |
| Average total loans | $44,365,667 | 3,947 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6289% | 501 |
| Cost of funding earning assets | 0.3221% | 4,137 |
| Net interest margin | 5.3069% | 196 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 3.2253% | 772 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.6731% | 864 |
| Return on assets (ROA) | 1.6731% | 862 |
| Pretax return on assets | 2.2997% | 488 |
| Return on Equity (ROE) | 12.2500% | 2,156 |
| Retained earnings to average equity (ytd only) | 12.2460% | 1,223 |
| Net charge-offs to loans | 0.0092% | 1,599 |
| Credit loss provision to net charge-offs | 900.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 332.0000% | 341 |
| Efficiency ratio | 57.7070% | 3,222 |
| Assets per employee ($millions) | 5.0309% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 1,214 |
| Loan loss allowance to noncurrent loans | 171.3542% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 622 |
| Noncurrent loans to loans | 0.8840% | 853 |
| Net loans and leases to total assets | 77.3100% | 845 |
| Net loans and leases to deposits | 89.6465% | 1,083 |
| Net loans and leases to core deposits | 91.1924% | 1,547 |
| Total domestic deposits to total assets | 86.2400% | 2,526 |
| Equity capital to assets | 13.7604% | 626 |
| Core capital (leverage) ratio | 11.3458% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6410% | 1,225 |
| Memoranda: | ||
| Average total assets | $56,181,500 | 4,351 |
| Average earning assets | $52,159,000 | 4,326 |
| Average equity | $7,676,000 | 4,035 |
| Average total loans | $43,433,500 | 4,007 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4421% | 162 |
| Cost of funding earning assets | 0.2308% | 3,509 |
| Net interest margin | 5.2113% | 117 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.6047% | 450 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.9120% | 2,909 |
| Return on assets (ROA) | 0.9120% | 2,851 |
| Pretax return on assets | 1.2789% | 2,165 |
| Return on Equity (ROE) | 6.8600% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.8568% | 2,300 |
| Net charge-offs to loans | 0.0709% | 935 |
| Credit loss provision to net charge-offs | 371.4286% | 803 |
| Earnings coverage of net charge-offs (x) | 30.1071% | 1,679 |
| Efficiency ratio | 71.1893% | 1,544 |
| Assets per employee ($millions) | 4.7519% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1980% | 4,579 |
| Loan loss allowance to noncurrent loans | 18.2203% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 563 |
| Noncurrent loans to loans | 1.0869% | 662 |
| Net loans and leases to total assets | 76.0100% | 1,010 |
| Net loans and leases to deposits | 87.9735% | 1,174 |
| Net loans and leases to core deposits | 89.4385% | 1,534 |
| Total domestic deposits to total assets | 86.4000% | 2,604 |
| Equity capital to assets | 13.5682% | 621 |
| Core capital (leverage) ratio | 11.3272% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8488% | 1,402 |
| Memoranda: | ||
| Average total assets | $57,785,800 | 4,359 |
| Average earning assets | $53,729,200 | 4,332 |
| Average equity | $7,685,800 | 4,129 |
| Average total loans | $39,508,600 | 4,074 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 146 |
| Cost of funding earning assets | 0.2076% | 3,183 |
| Net interest margin | 5.0807% | 109 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 2.7574% | 1,330 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.4120% | 1,053 |
| Return on assets (ROA) | 1.4120% | 1,027 |
| Pretax return on assets | 2.0261% | 441 |
| Return on Equity (ROE) | 10.6700% | 2,514 |
| Retained earnings to average equity (ytd only) | 10.6692% | 1,147 |
| Net charge-offs to loans | 0.0692% | 810 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 48.5500% | 1,303 |
| Efficiency ratio | 55.2535% | 3,692 |
| Assets per employee ($millions) | 4.8864% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1900% | 4,621 |
| Loan loss allowance to noncurrent loans | 14.6789% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 476 |
| Noncurrent loans to loans | 1.2944% | 564 |
| Net loans and leases to total assets | 71.6700% | 1,326 |
| Net loans and leases to deposits | 82.9641% | 1,368 |
| Net loans and leases to core deposits | 84.3040% | 1,631 |
| Total domestic deposits to total assets | 86.3800% | 2,964 |
| Equity capital to assets | 13.4830% | 618 |
| Core capital (leverage) ratio | 10.9299% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $57,976,500 | 4,392 |
| Average earning assets | $53,954,750 | 4,368 |
| Average equity | $7,673,000 | 4,176 |
| Average total loans | $38,529,000 | 4,112 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 108 |
| Cost of funding earning assets | 0.2079% | 2,810 |
| Net interest margin | 5.2241% | 88 |
| Noninterest income to average assets | 0.2736% | 3,528 |
| Noninterest expense to average assets | 2.6664% | 1,470 |
| Loan and lease loss provision to assets | 0.2666% | 263 |
| Net operating income to assets | 1.6137% | 532 |
| Return on assets (ROA) | 1.6137% | 515 |
| Pretax return on assets | 2.2127% | 241 |
| Return on Equity (ROE) | 12.2707% | 1,596 |
| Retained earnings to average equity (ytd only) | 12.2707% | 566 |
| Net charge-offs to loans | -0.0107% | 3,612 |
| Credit loss provision to net charge-offs | -3,850.0000% | 3,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8170% | 4,141 |
| Assets per employee ($millions) | 6.4844% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2310% | 4,685 |
| Loan loss allowance to noncurrent loans | 17.2481% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 577 |
| Noncurrent loans to loans | 1.3392% | 580 |
| Net loans and leases to total assets | 65.8687% | 1,710 |
| Net loans and leases to deposits | 80.9966% | 1,317 |
| Net loans and leases to core deposits | 82.3906% | 1,570 |
| Total domestic deposits to total assets | 81.3228% | 4,090 |
| Equity capital to assets | 13.2865% | 616 |
| Core capital (leverage) ratio | 11.4640% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,756,333 | 4,439 |
| Average earning assets | $53,865,667 | 4,425 |
| Average equity | $7,595,333 | 4,244 |
| Average total loans | $37,337,667 | 4,189 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1874% | 534 |
| Cost of funding earning assets | 0.2015% | 2,776 |
| Net interest margin | 3.9859% | 429 |
| Noninterest income to average assets | 0.3203% | 3,183 |
| Noninterest expense to average assets | 2.6595% | 1,453 |
| Loan and lease loss provision to assets | 0.2994% | 209 |
| Net operating income to assets | 0.7797% | 2,726 |
| Return on assets (ROA) | 0.7797% | 2,722 |
| Pretax return on assets | 1.0791% | 2,210 |
| Return on Equity (ROE) | 5.9606% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.9606% | 2,267 |
| Net charge-offs to loans | -0.0109% | 3,619 |
| Credit loss provision to net charge-offs | -4,300.0000% | 3,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8621% | 2,784 |
| Assets per employee ($millions) | 6.3063% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1495% | 4,726 |
| Loan loss allowance to noncurrent loans | 7.3628% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3161% | 307 |
| Noncurrent loans to loans | 2.0308% | 353 |
| Net loans and leases to total assets | 64.7110% | 1,533 |
| Net loans and leases to deposits | 74.7400% | 1,542 |
| Net loans and leases to core deposits | 75.9785% | 1,783 |
| Total domestic deposits to total assets | 86.5814% | 3,080 |
| Equity capital to assets | 13.2037% | 651 |
| Core capital (leverage) ratio | 10.8058% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,454,500 | 4,466 |
| Average earning assets | $53,589,000 | 4,447 |
| Average equity | $7,516,000 | 4,313 |
| Average total loans | $36,741,500 | 4,213 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4686% | 4,813 |
| Cost of funding earning assets | 0.0151% | 4,786 |
| Net interest margin | 0.4535% | 4,810 |
| Noninterest income to average assets | 0.0307% | 4,752 |
| Noninterest expense to average assets | 0.3573% | 4,821 |
| Loan and lease loss provision to assets | 0.0180% | 2,709 |
| Net operating income to assets | 0.0632% | 4,650 |
| Return on assets (ROA) | 0.0632% | 4,660 |
| Pretax return on assets | 0.0902% | 4,644 |
| Return on Equity (ROE) | 0.5553% | 4,652 |
| Retained earnings to average equity (ytd only) | 0.5553% | 4,361 |
| Net charge-offs to loans | -0.0230% | 4,029 |
| Credit loss provision to net charge-offs | -125.0000% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7442% | 1,049 |
| Assets per employee ($millions) | 6.4613% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0272% | 4,781 |
| Loan loss allowance to noncurrent loans | 1.4620% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 425 |
| Noncurrent loans to loans | 1.8638% | 437 |
| Net loans and leases to total assets | 63.0933% | 1,812 |
| Net loans and leases to deposits | 72.5974% | 1,857 |
| Net loans and leases to core deposits | 73.7636% | 2,103 |
| Total domestic deposits to total assets | 86.9084% | 2,558 |
| Equity capital to assets | 12.9626% | 910 |
| Core capital (leverage) ratio | 10.9952% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5658% | 1,662 |
| Memoranda: | ||
| Average total assets | $55,418,800 | 4,502 |
| Average earning assets | $53,142,200 | 4,475 |
| Average equity | $6,303,000 | 4,501 |
| Average total loans | $34,760,200 | 4,292 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 834 |
| Cost of funding earning assets | 0.2223% | 3,401 |
| Net interest margin | 4.1605% | 586 |
| Noninterest income to average assets | 0.4945% | 2,647 |
| Noninterest expense to average assets | 2.8646% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6394% | 937 |
| Return on assets (ROA) | 1.6394% | 985 |
| Pretax return on assets | 1.6418% | 1,577 |
| Return on Equity (ROE) | 14.9695% | 1,144 |
| Retained earnings to average equity (ytd only) | -22.7991% | 4,888 |
| Net charge-offs to loans | -0.0272% | 4,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5676% | 2,457 |
| Assets per employee ($millions) | 5.8976% | 2,791 |
| Cash dividends to net income (ytd only)* | 252.3031% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4410% | 314 |
| Loan loss allowance to noncurrent loans | 115.8602% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 415 |
| Noncurrent loans to loans | 2.1068% | 406 |
| Net loans and leases to total assets | 58.4170% | 2,434 |
| Net loans and leases to deposits | 65.0652% | 2,726 |
| Net loans and leases to core deposits | 66.0607% | 2,952 |
| Total domestic deposits to total assets | 89.7823% | 873 |
| Equity capital to assets | 9.9922% | 2,909 |
| Core capital (leverage) ratio | 10.8298% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4569% | 755 |
| Memoranda: | ||
| Average total assets | $54,735,500 | 4,572 |
| Average earning assets | $52,780,750 | 4,541 |
| Average equity | $5,994,250 | 4,594 |
| Average total loans | $34,275,250 | 4,355 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 675 |
| Cost of funding earning assets | 0.2334% | 3,438 |
| Net interest margin | 4.3177% | 477 |
| Noninterest income to average assets | 0.4163% | 3,025 |
| Noninterest expense to average assets | 3.0231% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5528% | 1,162 |
| Return on assets (ROA) | 1.5528% | 1,218 |
| Pretax return on assets | 1.5566% | 1,853 |
| Return on Equity (ROE) | 13.7359% | 1,496 |
| Retained earnings to average equity (ytd only) | -42.6012% | 4,934 |
| Net charge-offs to loans | -0.0413% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0115% | 2,152 |
| Assets per employee ($millions) | 5.4688% | 3,165 |
| Cash dividends to net income (ytd only)* | 410.1449% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4726% | 286 |
| Loan loss allowance to noncurrent loans | 118.1070% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.6494% | 318 |
| Noncurrent loans to loans | 2.0935% | 450 |
| Net loans and leases to total assets | 62.0995% | 2,170 |
| Net loans and leases to deposits | 69.4187% | 2,476 |
| Net loans and leases to core deposits | 70.1587% | 2,766 |
| Total domestic deposits to total assets | 89.4566% | 1,053 |
| Equity capital to assets | 10.3222% | 2,559 |
| Core capital (leverage) ratio | 11.1269% | 1,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6000% | 874 |
| Memoranda: | ||
| Average total assets | $53,322,000 | 4,622 |
| Average earning assets | $51,416,333 | 4,580 |
| Average equity | $6,028,000 | 4,616 |
| Average total loans | $33,929,000 | 4,394 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 432 |
| Cost of funding earning assets | 0.2367% | 3,592 |
| Net interest margin | 4.6384% | 297 |
| Noninterest income to average assets | 0.4331% | 2,911 |
| Noninterest expense to average assets | 3.0624% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8389% | 733 |
| Return on assets (ROA) | 1.8389% | 788 |
| Pretax return on assets | 1.8389% | 1,221 |
| Return on Equity (ROE) | 15.5640% | 1,098 |
| Retained earnings to average equity (ytd only) | -93.6410% | 4,972 |
| Net charge-offs to loans | -0.0597% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4806% | 2,674 |
| Assets per employee ($millions) | 5.2127% | 3,417 |
| Cash dividends to net income (ytd only)* | 701.6529% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5390% | 244 |
| Loan loss allowance to noncurrent loans | 110.5398% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.8589% | 292 |
| Noncurrent loans to loans | 2.2970% | 425 |
| Net loans and leases to total assets | 63.3280% | 2,125 |
| Net loans and leases to deposits | 70.9319% | 2,423 |
| Net loans and leases to core deposits | 71.7241% | 2,721 |
| Total domestic deposits to total assets | 89.2800% | 1,182 |
| Equity capital to assets | 10.4936% | 2,279 |
| Core capital (leverage) ratio | 11.2122% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5191% | 850 |
| Memoranda: | ||
| Average total assets | $52,639,000 | 4,645 |
| Average earning assets | $50,707,000 | 4,607 |
| Average equity | $6,219,500 | 4,620 |
| Average total loans | $33,482,500 | 4,423 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 788 |
| Cost of funding earning assets | 0.2970% | 4,164 |
| Net interest margin | 4.4618% | 352 |
| Noninterest income to average assets | 0.3788% | 3,218 |
| Noninterest expense to average assets | 2.7657% | 2,027 |
| Loan and lease loss provision to assets | 0.2037% | 1,929 |
| Net operating income to assets | 1.6904% | 516 |
| Return on assets (ROA) | 1.6904% | 555 |
| Pretax return on assets | 1.6924% | 866 |
| Return on Equity (ROE) | 12.6869% | 1,123 |
| Retained earnings to average equity (ytd only) | 12.6869% | 261 |
| Net charge-offs to loans | 0.2685% | 641 |
| Credit loss provision to net charge-offs | 113.6364% | 2,697 |
| Earnings coverage of net charge-offs (x) | 10.5795% | 2,452 |
| Efficiency ratio | 59.3272% | 3,549 |
| Assets per employee ($millions) | 5.3151% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5805% | 234 |
| Loan loss allowance to noncurrent loans | 79.6642% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 2.3066% | 215 |
| Noncurrent loans to loans | 3.2393% | 244 |
| Net loans and leases to total assets | 60.6574% | 2,774 |
| Net loans and leases to deposits | 69.9607% | 2,881 |
| Net loans and leases to core deposits | 70.7483% | 3,203 |
| Total domestic deposits to total assets | 86.7020% | 2,076 |
| Equity capital to assets | 13.1117% | 1,053 |
| Core capital (leverage) ratio | 13.9930% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4592% | 417 |
| Memoranda: | ||
| Average total assets | $49,102,000 | 4,667 |
| Average earning assets | $47,133,800 | 4,635 |
| Average equity | $6,542,200 | 4,579 |
| Average total loans | $32,777,400 | 4,463 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 794 |
| Cost of funding earning assets | 0.3152% | 4,246 |
| Net interest margin | 4.5458% | 343 |
| Noninterest income to average assets | 0.3826% | 3,169 |
| Noninterest expense to average assets | 2.8446% | 1,835 |
| Loan and lease loss provision to assets | 0.1393% | 2,625 |
| Net operating income to assets | 1.7550% | 506 |
| Return on assets (ROA) | 1.7550% | 568 |
| Pretax return on assets | 1.7578% | 852 |
| Return on Equity (ROE) | 13.1144% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.1144% | 320 |
| Net charge-offs to loans | 0.2936% | 538 |
| Credit loss provision to net charge-offs | 69.4444% | 2,813 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,423 |
| Efficiency ratio | 60.0000% | 3,389 |
| Assets per employee ($millions) | 5.2255% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5105% | 226 |
| Loan loss allowance to noncurrent loans | 77.9147% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.3137% | 246 |
| Noncurrent loans to loans | 3.2221% | 273 |
| Net loans and leases to total assets | 61.0870% | 3,105 |
| Net loans and leases to deposits | 70.3726% | 3,280 |
| Net loans and leases to core deposits | 71.9947% | 3,473 |
| Total domestic deposits to total assets | 86.8051% | 1,734 |
| Equity capital to assets | 12.9940% | 1,183 |
| Core capital (leverage) ratio | 13.7289% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2008% | 501 |
| Memoranda: | ||
| Average total assets | $48,089,750 | 4,699 |
| Average earning assets | $46,107,000 | 4,668 |
| Average equity | $6,435,500 | 4,614 |
| Average total loans | $32,698,250 | 4,495 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 889 |
| Cost of funding earning assets | 0.3129% | 4,427 |
| Net interest margin | 4.6448% | 383 |
| Noninterest income to average assets | 0.3940% | 3,124 |
| Noninterest expense to average assets | 2.9721% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.8715% | 425 |
| Return on assets (ROA) | 1.8715% | 470 |
| Pretax return on assets | 1.8715% | 706 |
| Return on Equity (ROE) | 13.8350% | 915 |
| Retained earnings to average equity (ytd only) | 13.8350% | 291 |
| Net charge-offs to loans | 0.3243% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.2453% | 2,305 |
| Efficiency ratio | 61.3616% | 3,222 |
| Assets per employee ($millions) | 5.1483% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4912% | 227 |
| Loan loss allowance to noncurrent loans | 64.3322% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.7718% | 188 |
| Noncurrent loans to loans | 3.8725% | 180 |
| Net loans and leases to total assets | 60.0606% | 3,317 |
| Net loans and leases to deposits | 70.6298% | 3,376 |
| Net loans and leases to core deposits | 72.3112% | 3,572 |
| Total domestic deposits to total assets | 85.0358% | 2,381 |
| Equity capital to assets | 12.8237% | 1,229 |
| Core capital (leverage) ratio | 14.0781% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5750% | 538 |
| Memoranda: | ||
| Average total assets | $46,701,333 | 4,738 |
| Average earning assets | $44,738,667 | 4,705 |
| Average equity | $6,317,333 | 4,650 |
| Average total loans | $32,683,333 | 4,514 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 686 |
| Cost of funding earning assets | 0.3477% | 4,525 |
| Net interest margin | 4.8308% | 261 |
| Noninterest income to average assets | 0.4333% | 2,890 |
| Noninterest expense to average assets | 3.1956% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8777% | 351 |
| Return on assets (ROA) | 1.8777% | 389 |
| Pretax return on assets | 1.8777% | 593 |
| Return on Equity (ROE) | 13.4737% | 794 |
| Retained earnings to average equity (ytd only) | 13.4737% | 288 |
| Net charge-offs to loans | -0.0362% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9893% | 3,374 |
| Assets per employee ($millions) | 3.6941% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 230 |
| Loan loss allowance to noncurrent loans | 61.0549% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 3.2642% | 163 |
| Noncurrent loans to loans | 4.1578% | 176 |
| Net loans and leases to total assets | 73.1846% | 1,751 |
| Net loans and leases to deposits | 87.7997% | 1,768 |
| Net loans and leases to core deposits | 90.2772% | 2,316 |
| Total domestic deposits to total assets | 83.3540% | 2,997 |
| Equity capital to assets | 14.1758% | 1,007 |
| Core capital (leverage) ratio | 15.5902% | 583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4635% | 601 |
| Memoranda: | ||
| Average total assets | $44,310,500 | 4,793 |
| Average earning assets | $42,560,500 | 4,769 |
| Average equity | $6,175,000 | 4,696 |
| Average total loans | $33,169,500 | 4,529 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 924 |
| Cost of funding earning assets | 0.3122% | 4,703 |
| Net interest margin | 4.9227% | 317 |
| Noninterest income to average assets | 0.5445% | 2,517 |
| Noninterest expense to average assets | 3.1679% | 1,597 |
| Loan and lease loss provision to assets | 0.0919% | 2,194 |
| Net operating income to assets | 1.9940% | 362 |
| Return on assets (ROA) | 1.9940% | 374 |
| Pretax return on assets | 1.9940% | 609 |
| Return on Equity (ROE) | 15.1320% | 665 |
| Retained earnings to average equity (ytd only) | 4.1665% | 2,873 |
| Net charge-offs to loans | 0.0857% | 1,892 |
| Credit loss provision to net charge-offs | 153.8462% | 1,657 |
| Earnings coverage of net charge-offs (x) | 34.9231% | 1,429 |
| Efficiency ratio | 60.2973% | 3,645 |
| Assets per employee ($millions) | 4.0265% | 3,869 |
| Cash dividends to net income (ytd only)* | 72.4654% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5505% | 205 |
| Loan loss allowance to noncurrent loans | 92.1311% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 2.2081% | 332 |
| Noncurrent loans to loans | 2.7684% | 369 |
| Net loans and leases to total assets | 72.7197% | 1,961 |
| Net loans and leases to deposits | 84.4693% | 2,285 |
| Net loans and leases to core deposits | 86.7676% | 2,730 |
| Total domestic deposits to total assets | 86.0900% | 2,039 |
| Equity capital to assets | 13.6955% | 1,214 |
| Core capital (leverage) ratio | 15.1449% | 657 |
| Tier 1 risk-based capital ratio | 20.4815% | 1,252 |
| Total risk-based capital ratio | 21.7518% | 1,222 |
| Memoranda: | ||
| Average total assets | $43,529,800 | 4,849 |
| Average earning assets | $41,643,600 | 4,820 |
| Average equity | $5,736,200 | 4,793 |
| Average total loans | $30,343,400 | 4,636 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 1,058 |
| Cost of funding earning assets | 0.3028% | 4,792 |
| Net interest margin | 4.8894% | 350 |
| Noninterest income to average assets | 0.5661% | 2,375 |
| Noninterest expense to average assets | 3.1841% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0520% | 362 |
| Return on assets (ROA) | 2.0520% | 373 |
| Pretax return on assets | 2.0520% | 615 |
| Return on Equity (ROE) | 15.7296% | 653 |
| Retained earnings to average equity (ytd only) | 0.8962% | 4,592 |
| Net charge-offs to loans | 0.2562% | 691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 11.7014% | 2,423 |
| Efficiency ratio | 60.8108% | 3,501 |
| Assets per employee ($millions) | 3.9940% | 3,914 |
| Cash dividends to net income (ytd only)* | 94.3034% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4338% | 241 |
| Loan loss allowance to noncurrent loans | 76.1341% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.4514% | 284 |
| Noncurrent loans to loans | 3.1967% | 287 |
| Net loans and leases to total assets | 70.4420% | 2,405 |
| Net loans and leases to deposits | 81.5602% | 2,739 |
| Net loans and leases to core deposits | 84.3891% | 3,060 |
| Total domestic deposits to total assets | 86.3682% | 1,839 |
| Equity capital to assets | 13.3814% | 1,415 |
| Core capital (leverage) ratio | 14.7374% | 803 |
| Tier 1 risk-based capital ratio | 21.2194% | 1,170 |
| Total risk-based capital ratio | 22.4894% | 1,146 |
| Memoranda: | ||
| Average total assets | $43,339,250 | 4,917 |
| Average earning assets | $41,394,500 | 4,894 |
| Average equity | $5,653,750 | 4,868 |
| Average total loans | $29,666,250 | 4,713 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 1,141 |
| Cost of funding earning assets | 0.2957% | 4,836 |
| Net interest margin | 4.8383% | 383 |
| Noninterest income to average assets | 0.5795% | 2,248 |
| Noninterest expense to average assets | 3.1107% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0955% | 327 |
| Return on assets (ROA) | 2.0955% | 340 |
| Pretax return on assets | 2.0955% | 556 |
| Return on Equity (ROE) | 16.2046% | 558 |
| Retained earnings to average equity (ytd only) | -6.3456% | 5,106 |
| Net charge-offs to loans | 0.2208% | 760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.1250% | 2,058 |
| Efficiency ratio | 59.7507% | 3,770 |
| Assets per employee ($millions) | 3.9655% | 3,913 |
| Cash dividends to net income (ytd only)* | 139.1593% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6047% | 195 |
| Loan loss allowance to noncurrent loans | 85.3319% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 2.3223% | 342 |
| Noncurrent loans to loans | 3.0525% | 329 |
| Net loans and leases to total assets | 68.3180% | 2,775 |
| Net loans and leases to deposits | 78.7511% | 3,087 |
| Net loans and leases to core deposits | 80.9260% | 3,348 |
| Total domestic deposits to total assets | 86.7518% | 1,703 |
| Equity capital to assets | 12.9731% | 1,600 |
| Core capital (leverage) ratio | 14.6755% | 779 |
| Tier 1 risk-based capital ratio | 20.4513% | 1,265 |
| Total risk-based capital ratio | 21.7224% | 1,225 |
| Memoranda: | ||
| Average total assets | $43,141,000 | 4,965 |
| Average earning assets | $41,254,000 | 4,939 |
| Average equity | $5,578,670 | 4,906 |
| Average total loans | $28,981,670 | 4,764 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 1,118 |
| Cost of funding earning assets | 0.2816% | 4,893 |
| Net interest margin | 4.8070% | 406 |
| Noninterest income to average assets | 0.4942% | 2,590 |
| Noninterest expense to average assets | 3.0116% | 1,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0979% | 325 |
| Return on assets (ROA) | 2.0979% | 338 |
| Pretax return on assets | 2.0979% | 528 |
| Return on Equity (ROE) | 16.2499% | 563 |
| Retained earnings to average equity (ytd only) | -29.1776% | 5,299 |
| Net charge-offs to loans | 0.5111% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,207 |
| Efficiency ratio | 58.9416% | 3,964 |
| Assets per employee ($millions) | 4.2523% | 3,540 |
| Cash dividends to net income (ytd only)* | 279.5556% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7861% | 166 |
| Loan loss allowance to noncurrent loans | 81.7337% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 2.4645% | 318 |
| Noncurrent loans to loans | 3.4087% | 273 |
| Net loans and leases to total assets | 64.9884% | 3,171 |
| Net loans and leases to deposits | 75.9412% | 3,263 |
| Net loans and leases to core deposits | 77.5698% | 3,553 |
| Total domestic deposits to total assets | 85.5772% | 2,455 |
| Equity capital to assets | 12.6379% | 1,665 |
| Core capital (leverage) ratio | 14.0740% | 930 |
| Tier 1 risk-based capital ratio | 20.8551% | 1,180 |
| Total risk-based capital ratio | 22.1322% | 1,158 |
| Memoranda: | ||
| Average total assets | $42,901,000 | 5,015 |
| Average earning assets | $41,190,000 | 4,987 |
| Average equity | $5,538,500 | 4,955 |
| Average total loans | $28,173,500 | 4,837 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6629% | 1,945 |
| Cost of funding earning assets | 0.2303% | 4,888 |
| Net interest margin | 4.4326% | 874 |
| Noninterest income to average assets | 0.4865% | 2,901 |
| Noninterest expense to average assets | 3.2280% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4853% | 1,157 |
| Return on assets (ROA) | 1.4853% | 1,145 |
| Pretax return on assets | 1.4853% | 1,830 |
| Return on Equity (ROE) | 11.2575% | 1,986 |
| Retained earnings to average equity (ytd only) | 1.1454% | 4,665 |
| Net charge-offs to loans | 0.1473% | 1,299 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 15.7250% | 2,310 |
| Efficiency ratio | 68.4870% | 2,472 |
| Assets per employee ($millions) | 4.3279% | 3,416 |
| Cash dividends to net income (ytd only)* | 89.8251% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9692% | 137 |
| Loan loss allowance to noncurrent loans | 71.2199% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.8721% | 232 |
| Noncurrent loans to loans | 4.1691% | 173 |
| Net loans and leases to total assets | 62.5962% | 3,503 |
| Net loans and leases to deposits | 72.3391% | 3,643 |
| Net loans and leases to core deposits | 73.8416% | 3,863 |
| Total domestic deposits to total assets | 86.5316% | 2,002 |
| Equity capital to assets | 13.1773% | 1,263 |
| Core capital (leverage) ratio | 14.8224% | 728 |
| Tier 1 risk-based capital ratio | 22.6540% | 947 |
| Total risk-based capital ratio | 23.9165% | 922 |
| Memoranda: | ||
| Average total assets | $42,347,600 | 5,068 |
| Average earning assets | $40,382,600 | 5,040 |
| Average equity | $5,587,400 | 4,955 |
| Average total loans | $27,151,600 | 4,885 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,953 |
| Cost of funding earning assets | 0.2164% | 4,961 |
| Net interest margin | 4.3916% | 914 |
| Noninterest income to average assets | 0.4749% | 3,013 |
| Noninterest expense to average assets | 3.3052% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3455% | 1,682 |
| Return on assets (ROA) | 1.3455% | 1,694 |
| Pretax return on assets | 1.3455% | 2,447 |
| Return on Equity (ROE) | 10.1943% | 2,533 |
| Retained earnings to average equity (ytd only) | -3.3581% | 5,265 |
| Net charge-offs to loans | 0.1138% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 18.4757% | 2,052 |
| Efficiency ratio | 71.0688% | 2,029 |
| Assets per employee ($millions) | 3.9091% | 4,031 |
| Cash dividends to net income (ytd only)* | 132.9410% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0510% | 132 |
| Loan loss allowance to noncurrent loans | 61.1714% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 3.5349% | 160 |
| Noncurrent loans to loans | 4.9876% | 125 |
| Net loans and leases to total assets | 62.5186% | 3,602 |
| Net loans and leases to deposits | 71.8912% | 3,778 |
| Net loans and leases to core deposits | 72.3965% | 4,052 |
| Total domestic deposits to total assets | 86.9628% | 1,747 |
| Equity capital to assets | 12.7140% | 1,458 |
| Core capital (leverage) ratio | 13.5611% | 1,078 |
| Tier 1 risk-based capital ratio | 21.7917% | 1,077 |
| Total risk-based capital ratio | 23.0664% | 1,055 |
| Memoranda: | ||
| Average total assets | $42,114,750 | 5,135 |
| Average earning assets | $40,045,250 | 5,109 |
| Average equity | $5,558,500 | 5,017 |
| Average total loans | $26,959,500 | 4,945 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 2,214 |
| Cost of funding earning assets | 0.2168% | 4,938 |
| Net interest margin | 4.2449% | 1,178 |
| Noninterest income to average assets | 0.5213% | 2,745 |
| Noninterest expense to average assets | 3.2521% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2960% | 1,789 |
| Return on assets (ROA) | 1.2960% | 1,782 |
| Pretax return on assets | 1.2960% | 2,532 |
| Return on Equity (ROE) | 9.6976% | 2,713 |
| Retained earnings to average equity (ytd only) | -10.5207% | 5,423 |
| Net charge-offs to loans | 0.1798% | 876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.2917% | 2,282 |
| Efficiency ratio | 71.5037% | 2,087 |
| Assets per employee ($millions) | 3.8139% | 4,188 |
| Cash dividends to net income (ytd only)* | 208.4871% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1561% | 122 |
| Loan loss allowance to noncurrent loans | 56.1753% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 4.2047% | 124 |
| Noncurrent loans to loans | 5.6184% | 102 |
| Net loans and leases to total assets | 61.8764% | 3,615 |
| Net loans and leases to deposits | 71.0680% | 3,777 |
| Net loans and leases to core deposits | 71.5775% | 4,035 |
| Total domestic deposits to total assets | 87.0665% | 1,812 |
| Equity capital to assets | 12.7023% | 1,438 |
| Core capital (leverage) ratio | 12.9781% | 1,225 |
| Tier 1 risk-based capital ratio | 21.6080% | 1,083 |
| Total risk-based capital ratio | 22.8800% | 1,059 |
| Memoranda: | ||
| Average total assets | $41,819,670 | 5,192 |
| Average earning assets | $39,671,330 | 5,170 |
| Average equity | $5,589,000 | 5,065 |
| Average total loans | $26,703,000 | 5,001 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,385 |
| Cost of funding earning assets | 0.2110% | 4,950 |
| Net interest margin | 4.1291% | 1,368 |
| Noninterest income to average assets | 0.5365% | 2,604 |
| Noninterest expense to average assets | 3.0848% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3891% | 1,371 |
| Return on assets (ROA) | 1.3891% | 1,382 |
| Pretax return on assets | 1.3891% | 2,049 |
| Return on Equity (ROE) | 10.1416% | 2,362 |
| Retained earnings to average equity (ytd only) | 10.1416% | 1,121 |
| Net charge-offs to loans | 0.0300% | 1,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 751 |
| Efficiency ratio | 68.9507% | 2,677 |
| Assets per employee ($millions) | 4.1868% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2579% | 115 |
| Loan loss allowance to noncurrent loans | 54.2214% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 4.4354% | 126 |
| Noncurrent loans to loans | 6.0086% | 101 |
| Net loans and leases to total assets | 61.4909% | 3,608 |
| Net loans and leases to deposits | 71.5258% | 3,655 |
| Net loans and leases to core deposits | 72.0462% | 3,956 |
| Total domestic deposits to total assets | 85.9702% | 2,559 |
| Equity capital to assets | 13.8029% | 943 |
| Core capital (leverage) ratio | 14.2592% | 816 |
| Tier 1 risk-based capital ratio | 23.6861% | 867 |
| Total risk-based capital ratio | 24.9351% | 846 |
| Memoranda: | ||
| Average total assets | $41,753,000 | 5,253 |
| Average earning assets | $39,814,500 | 5,226 |
| Average equity | $5,719,000 | 5,099 |
| Average total loans | $26,652,000 | 5,058 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 1,895 |
| Cost of funding earning assets | 0.2241% | 4,758 |
| Net interest margin | 4.2201% | 1,146 |
| Noninterest income to average assets | 0.5016% | 2,988 |
| Noninterest expense to average assets | 3.1426% | 1,737 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3431% | 1,131 |
| Return on assets (ROA) | 1.3431% | 1,158 |
| Pretax return on assets | 1.3431% | 2,202 |
| Return on Equity (ROE) | 9.4359% | 2,122 |
| Retained earnings to average equity (ytd only) | -15.3145% | 5,594 |
| Net charge-offs to loans | 0.0113% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 188.3333% | 417 |
| Efficiency ratio | 70.0583% | 2,536 |
| Assets per employee ($millions) | 4.1638% | 3,711 |
| Cash dividends to net income (ytd only)* | 262.3009% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2557% | 106 |
| Loan loss allowance to noncurrent loans | 64.5137% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 4.1765% | 137 |
| Noncurrent loans to loans | 5.0465% | 136 |
| Net loans and leases to total assets | 62.0179% | 3,620 |
| Net loans and leases to deposits | 71.9564% | 3,708 |
| Net loans and leases to core deposits | 72.4795% | 4,015 |
| Total domestic deposits to total assets | 86.1881% | 2,354 |
| Equity capital to assets | 13.5910% | 1,026 |
| Core capital (leverage) ratio | 13.6157% | 934 |
| Tier 1 risk-based capital ratio | 23.1865% | 886 |
| Total risk-based capital ratio | 24.4484% | 872 |
| Memoranda: | ||
| Average total assets | $42,067,600 | 5,302 |
| Average earning assets | $39,714,400 | 5,279 |
| Average equity | $5,987,800 | 5,102 |
| Average total loans | $26,472,800 | 5,113 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 1,903 |
| Cost of funding earning assets | 0.2282% | 4,753 |
| Net interest margin | 4.1911% | 1,172 |
| Noninterest income to average assets | 0.5754% | 2,606 |
| Noninterest expense to average assets | 3.2309% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2930% | 1,361 |
| Return on assets (ROA) | 1.2930% | 1,394 |
| Pretax return on assets | 1.2930% | 2,525 |
| Return on Equity (ROE) | 8.9839% | 2,612 |
| Retained earnings to average equity (ytd only) | -23.5689% | 5,691 |
| Net charge-offs to loans | -0.0555% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4186% | 2,300 |
| Assets per employee ($millions) | 4.2353% | 3,588 |
| Cash dividends to net income (ytd only)* | 362.3469% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3408% | 110 |
| Loan loss allowance to noncurrent loans | 70.9237% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 3.9690% | 170 |
| Noncurrent loans to loans | 4.7104% | 181 |
| Net loans and leases to total assets | 60.3216% | 3,822 |
| Net loans and leases to deposits | 69.6340% | 3,987 |
| Net loans and leases to core deposits | 70.1271% | 4,236 |
| Total domestic deposits to total assets | 86.6267% | 2,034 |
| Equity capital to assets | 13.0735% | 1,349 |
| Core capital (leverage) ratio | 13.2122% | 1,128 |
| Tier 1 risk-based capital ratio | 19.2709% | 1,530 |
| Total risk-based capital ratio | 20.5440% | 1,476 |
| Memoranda: | ||
| Average total assets | $42,175,000 | 5,360 |
| Average earning assets | $39,734,000 | 5,338 |
| Average equity | $6,070,000 | 5,150 |
| Average total loans | $26,418,000 | 5,164 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 1,803 |
| Cost of funding earning assets | 0.2210% | 4,794 |
| Net interest margin | 4.1838% | 1,113 |
| Noninterest income to average assets | 0.5984% | 2,466 |
| Noninterest expense to average assets | 3.3242% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2299% | 1,502 |
| Return on assets (ROA) | 1.2299% | 1,537 |
| Pretax return on assets | 1.2299% | 2,658 |
| Return on Equity (ROE) | 8.2911% | 2,875 |
| Retained earnings to average equity (ytd only) | -39.1506% | 5,757 |
| Net charge-offs to loans | -0.0227% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9927% | 2,186 |
| Assets per employee ($millions) | 3.8096% | 4,262 |
| Cash dividends to net income (ytd only)* | 572.2008% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3680% | 117 |
| Loan loss allowance to noncurrent loans | 92.2996% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 3.4243% | 240 |
| Noncurrent loans to loans | 3.6490% | 294 |
| Net loans and leases to total assets | 59.9079% | 3,854 |
| Net loans and leases to deposits | 68.9565% | 3,993 |
| Net loans and leases to core deposits | 69.4467% | 4,261 |
| Total domestic deposits to total assets | 86.8778% | 1,997 |
| Equity capital to assets | 12.8430% | 1,449 |
| Core capital (leverage) ratio | 13.0752% | 1,146 |
| Tier 1 risk-based capital ratio | 18.0709% | 1,836 |
| Total risk-based capital ratio | 19.3248% | 1,789 |
| Memoranda: | ||
| Average total assets | $42,115,670 | 5,406 |
| Average earning assets | $39,820,330 | 5,377 |
| Average equity | $6,247,670 | 5,149 |
| Average total loans | $26,413,670 | 5,203 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 1,877 |
| Cost of funding earning assets | 0.2200% | 4,804 |
| Net interest margin | 4.1104% | 1,192 |
| Noninterest income to average assets | 0.6348% | 2,247 |
| Noninterest expense to average assets | 3.1643% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3643% | 1,078 |
| Return on assets (ROA) | 1.3643% | 1,115 |
| Pretax return on assets | 1.3643% | 2,012 |
| Return on Equity (ROE) | 8.6221% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.6221% | 1,226 |
| Net charge-offs to loans | -0.1051% | 5,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8745% | 2,916 |
| Assets per employee ($millions) | 4.6614% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3067% | 130 |
| Loan loss allowance to noncurrent loans | 101.5029% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 3.2393% | 288 |
| Noncurrent loans to loans | 3.2578% | 391 |
| Net loans and leases to total assets | 61.1971% | 3,635 |
| Net loans and leases to deposits | 73.1787% | 3,484 |
| Net loans and leases to core deposits | 73.7165% | 3,857 |
| Total domestic deposits to total assets | 83.6269% | 3,611 |
| Equity capital to assets | 16.0942% | 480 |
| Core capital (leverage) ratio | 16.0820% | 454 |
| Tier 1 risk-based capital ratio | 24.5121% | 819 |
| Total risk-based capital ratio | 25.7854% | 796 |
| Memoranda: | ||
| Average total assets | $42,220,500 | 5,463 |
| Average earning assets | $39,996,500 | 5,431 |
| Average equity | $6,680,500 | 5,126 |
| Average total loans | $26,630,500 | 5,253 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 1,840 |
| Cost of funding earning assets | 0.2278% | 4,760 |
| Net interest margin | 4.1666% | 1,194 |
| Noninterest income to average assets | 0.4114% | 3,798 |
| Noninterest expense to average assets | 3.2191% | 1,743 |
| Loan and lease loss provision to assets | -0.1395% | 5,736 |
| Net operating income to assets | 1.2853% | 1,249 |
| Return on assets (ROA) | 1.2853% | 1,320 |
| Pretax return on assets | 1.2853% | 2,330 |
| Return on Equity (ROE) | 8.4510% | 2,705 |
| Retained earnings to average equity (ytd only) | -2.0478% | 5,540 |
| Net charge-offs to loans | 0.4564% | 557 |
| Credit loss provision to net charge-offs | -48.7805% | 4,815 |
| Earnings coverage of net charge-offs (x) | 4.0081% | 3,574 |
| Efficiency ratio | 73.7487% | 2,319 |
| Assets per employee ($millions) | 4.2488% | 3,528 |
| Cash dividends to net income (ytd only)* | 124.2315% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2648% | 134 |
| Loan loss allowance to noncurrent loans | 100.9259% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 3.4221% | 260 |
| Noncurrent loans to loans | 3.2349% | 389 |
| Net loans and leases to total assets | 60.8101% | 3,760 |
| Net loans and leases to deposits | 72.2390% | 3,690 |
| Net loans and leases to core deposits | 72.7577% | 4,033 |
| Total domestic deposits to total assets | 84.1791% | 3,355 |
| Equity capital to assets | 15.5550% | 552 |
| Core capital (leverage) ratio | 15.4297% | 539 |
| Tier 1 risk-based capital ratio | 24.2911% | 844 |
| Total risk-based capital ratio | 25.5657% | 814 |
| Memoranda: | ||
| Average total assets | $43,024,600 | 5,486 |
| Average earning assets | $40,824,800 | 5,448 |
| Average equity | $6,543,600 | 5,178 |
| Average total loans | $26,947,400 | 5,297 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 1,993 |
| Cost of funding earning assets | 0.2278% | 4,806 |
| Net interest margin | 4.1237% | 1,331 |
| Noninterest income to average assets | 0.4232% | 3,744 |
| Noninterest expense to average assets | 3.2932% | 1,581 |
| Loan and lease loss provision to assets | -0.1854% | 5,860 |
| Net operating income to assets | 1.2295% | 1,520 |
| Return on assets (ROA) | 1.2295% | 1,622 |
| Pretax return on assets | 1.2295% | 2,710 |
| Return on Equity (ROE) | 8.1298% | 2,943 |
| Retained earnings to average equity (ytd only) | -5.9033% | 5,763 |
| Net charge-offs to loans | 0.1629% | 1,398 |
| Credit loss provision to net charge-offs | -181.8182% | 4,848 |
| Earnings coverage of net charge-offs (x) | 10.2423% | 2,596 |
| Efficiency ratio | 75.9259% | 1,983 |
| Assets per employee ($millions) | 4.2465% | 3,515 |
| Cash dividends to net income (ytd only)* | 172.6147% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6751% | 98 |
| Loan loss allowance to noncurrent loans | 95.5313% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 3.7560% | 240 |
| Noncurrent loans to loans | 3.8470% | 302 |
| Net loans and leases to total assets | 59.3760% | 3,961 |
| Net loans and leases to deposits | 70.3496% | 3,955 |
| Net loans and leases to core deposits | 70.3496% | 4,297 |
| Total domestic deposits to total assets | 84.4013% | 3,063 |
| Equity capital to assets | 15.2808% | 677 |
| Core capital (leverage) ratio | 14.6115% | 698 |
| Tier 1 risk-based capital ratio | 23.6012% | 935 |
| Total risk-based capital ratio | 24.8803% | 920 |
| Memoranda: | ||
| Average total assets | $43,158,750 | 5,541 |
| Average earning assets | $40,965,500 | 5,499 |
| Average equity | $6,527,250 | 5,233 |
| Average total loans | $27,007,000 | 5,348 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,037 |
| Cost of funding earning assets | 0.2230% | 4,912 |
| Net interest margin | 4.1113% | 1,337 |
| Noninterest income to average assets | 0.4840% | 3,307 |
| Noninterest expense to average assets | 3.0330% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3598% | 1,138 |
| Return on assets (ROA) | 1.3598% | 1,213 |
| Pretax return on assets | 1.3598% | 2,167 |
| Return on Equity (ROE) | 9.0214% | 2,487 |
| Retained earnings to average equity (ytd only) | -8.8685% | 5,858 |
| Net charge-offs to loans | 0.3372% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.4130% | 2,746 |
| Efficiency ratio | 69.0451% | 3,142 |
| Assets per employee ($millions) | 4.0253% | 3,859 |
| Cash dividends to net income (ytd only)* | 198.3051% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7111% | 104 |
| Loan loss allowance to noncurrent loans | 75.5805% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 3.9026% | 238 |
| Noncurrent loans to loans | 4.9101% | 179 |
| Net loans and leases to total assets | 59.1264% | 3,996 |
| Net loans and leases to deposits | 69.5333% | 4,027 |
| Net loans and leases to core deposits | 69.5333% | 4,361 |
| Total domestic deposits to total assets | 85.0332% | 2,865 |
| Equity capital to assets | 14.6777% | 820 |
| Core capital (leverage) ratio | 14.9478% | 621 |
| Tier 1 risk-based capital ratio | 23.5941% | 948 |
| Total risk-based capital ratio | 24.8730% | 921 |
| Memoranda: | ||
| Average total assets | $43,390,000 | 5,596 |
| Average earning assets | $41,251,670 | 5,557 |
| Average equity | $6,540,000 | 5,276 |
| Average total loans | $27,284,000 | 5,394 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 1,986 |
| Cost of funding earning assets | 0.2255% | 4,945 |
| Net interest margin | 4.1174% | 1,290 |
| Noninterest income to average assets | 0.4843% | 3,231 |
| Noninterest expense to average assets | 3.2599% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1363% | 1,764 |
| Return on assets (ROA) | 1.1363% | 1,880 |
| Pretax return on assets | 1.1363% | 2,952 |
| Return on Equity (ROE) | 7.4385% | 3,220 |
| Retained earnings to average equity (ytd only) | -23.0470% | 5,985 |
| Net charge-offs to loans | 0.7903% | 262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.2593% | 2,712 |
| Efficiency ratio | 74.1525% | 2,450 |
| Assets per employee ($millions) | 4.7863% | 2,617 |
| Cash dividends to net income (ytd only)* | 409.8361% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7256% | 108 |
| Loan loss allowance to noncurrent loans | 76.5876% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 3.9441% | 261 |
| Noncurrent loans to loans | 4.8645% | 207 |
| Net loans and leases to total assets | 60.0483% | 3,765 |
| Net loans and leases to deposits | 71.7910% | 3,671 |
| Net loans and leases to core deposits | 71.7910% | 4,081 |
| Total domestic deposits to total assets | 83.6432% | 3,662 |
| Equity capital to assets | 14.8293% | 735 |
| Core capital (leverage) ratio | 14.9543% | 610 |
| Tier 1 risk-based capital ratio | 23.9237% | 920 |
| Total risk-based capital ratio | 25.2047% | 906 |
| Memoranda: | ||
| Average total assets | $42,946,000 | 5,657 |
| Average earning assets | $40,802,000 | 5,618 |
| Average equity | $6,560,500 | 5,311 |
| Average total loans | $27,331,500 | 5,438 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 805 |
| Cost of funding earning assets | 0.2663% | 4,630 |
| Net interest margin | 4.6123% | 531 |
| Noninterest income to average assets | 0.4982% | 3,341 |
| Noninterest expense to average assets | 3.6548% | 1,036 |
| Loan and lease loss provision to assets | -0.5987% | 6,142 |
| Net operating income to assets | 1.7555% | 524 |
| Return on assets (ROA) | 1.7555% | 541 |
| Pretax return on assets | 1.7555% | 881 |
| Return on Equity (ROE) | 11.1605% | 1,559 |
| Retained earnings to average equity (ytd only) | 8.5112% | 773 |
| Net charge-offs to loans | -0.0181% | 5,240 |
| Credit loss provision to net charge-offs | 5,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9582% | 2,275 |
| Assets per employee ($millions) | 3.8923% | 4,130 |
| Cash dividends to net income (ytd only)* | 23.7381% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7956% | 98 |
| Loan loss allowance to noncurrent loans | 107.2154% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 3.0714% | 422 |
| Noncurrent loans to loans | 3.5402% | 387 |
| Net loans and leases to total assets | 62.4547% | 3,496 |
| Net loans and leases to deposits | 74.4246% | 3,446 |
| Net loans and leases to core deposits | 74.4246% | 3,898 |
| Total domestic deposits to total assets | 83.9169% | 3,510 |
| Equity capital to assets | 15.7258% | 557 |
| Core capital (leverage) ratio | 15.6836% | 504 |
| Tier 1 risk-based capital ratio | 24.6438% | 847 |
| Total risk-based capital ratio | 25.9261% | 829 |
| Memoranda: | ||
| Average total assets | $41,753,800 | 5,728 |
| Average earning assets | $39,047,800 | 5,702 |
| Average equity | $6,567,800 | 5,333 |
| Average total loans | $27,688,800 | 5,453 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9466% | 690 |
| Cost of funding earning assets | 0.2756% | 4,602 |
| Net interest margin | 4.6710% | 476 |
| Noninterest income to average assets | 0.5302% | 3,162 |
| Noninterest expense to average assets | 3.5832% | 1,149 |
| Loan and lease loss provision to assets | -0.8034% | 6,252 |
| Net operating income to assets | 2.1082% | 301 |
| Return on assets (ROA) | 2.1082% | 321 |
| Pretax return on assets | 2.1082% | 491 |
| Return on Equity (ROE) | 13.4014% | 1,030 |
| Retained earnings to average equity (ytd only) | 9.8468% | 661 |
| Net charge-offs to loans | 0.0145% | 3,672 |
| Credit loss provision to net charge-offs | -8,333.3333% | 5,723 |
| Earnings coverage of net charge-offs (x) | 135.3300% | 502 |
| Efficiency ratio | 73.3070% | 2,666 |
| Assets per employee ($millions) | 3.5703% | 4,673 |
| Cash dividends to net income (ytd only)* | 26.5241% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7434% | 115 |
| Loan loss allowance to noncurrent loans | 123.9053% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 2.9596% | 521 |
| Noncurrent loans to loans | 3.0212% | 579 |
| Net loans and leases to total assets | 62.8373% | 3,474 |
| Net loans and leases to deposits | 75.1696% | 3,409 |
| Net loans and leases to core deposits | 75.1696% | 3,890 |
| Total domestic deposits to total assets | 83.5940% | 3,572 |
| Equity capital to assets | 15.6428% | 625 |
| Core capital (leverage) ratio | 15.3212% | 584 |
| Tier 1 risk-based capital ratio | 24.1167% | 940 |
| Total risk-based capital ratio | 25.3969% | 921 |
| Memoranda: | ||
| Average total assets | $41,488,500 | 5,806 |
| Average earning assets | $38,705,500 | 5,785 |
| Average equity | $6,526,500 | 5,408 |
| Average total loans | $27,662,250 | 5,520 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 520 |
| Cost of funding earning assets | 0.2833% | 4,572 |
| Net interest margin | 4.8048% | 358 |
| Noninterest income to average assets | 0.6043% | 2,708 |
| Noninterest expense to average assets | 3.4311% | 1,413 |
| Loan and lease loss provision to assets | -1.2184% | 6,332 |
| Net operating income to assets | 2.8560% | 104 |
| Return on assets (ROA) | 2.8560% | 107 |
| Pretax return on assets | 2.8560% | 152 |
| Return on Equity (ROE) | 18.1200% | 408 |
| Retained earnings to average equity (ytd only) | 18.1200% | 102 |
| Net charge-offs to loans | 0.1306% | 1,712 |
| Credit loss provision to net charge-offs | -1,388.8889% | 5,417 |
| Earnings coverage of net charge-offs (x) | 18.6667% | 1,793 |
| Efficiency ratio | 67.6923% | 3,718 |
| Assets per employee ($millions) | 3.4530% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7951% | 126 |
| Loan loss allowance to noncurrent loans | 177.9310% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 3.5380% | 409 |
| Noncurrent loans to loans | 2.1329% | 1,124 |
| Net loans and leases to total assets | 63.1359% | 3,393 |
| Net loans and leases to deposits | 75.7894% | 3,294 |
| Net loans and leases to core deposits | 76.4763% | 3,719 |
| Total domestic deposits to total assets | 83.3044% | 3,829 |
| Equity capital to assets | 16.4060% | 473 |
| Core capital (leverage) ratio | 16.5838% | 404 |
| Tier 1 risk-based capital ratio | 27.3454% | 685 |
| Total risk-based capital ratio | 28.6331% | 666 |
| Memoranda: | ||
| Average total assets | $41,036,670 | 5,882 |
| Average earning assets | $38,128,330 | 5,859 |
| Average equity | $6,468,000 | 5,458 |
| Average total loans | $27,560,000 | 5,577 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 808 |
| Cost of funding earning assets | 0.2946% | 4,501 |
| Net interest margin | 4.5351% | 568 |
| Noninterest income to average assets | 0.6954% | 2,178 |
| Noninterest expense to average assets | 3.1344% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7827% | 495 |
| Return on assets (ROA) | 1.7827% | 521 |
| Pretax return on assets | 1.7827% | 894 |
| Return on Equity (ROE) | 11.5501% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.5501% | 636 |
| Net charge-offs to loans | 0.5911% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.4390% | 2,496 |
| Efficiency ratio | 63.7450% | 4,516 |
| Assets per employee ($millions) | 3.4505% | 4,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5773% | 84 |
| Loan loss allowance to noncurrent loans | 250.7968% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 3.4705% | 480 |
| Noncurrent loans to loans | 1.8251% | 1,480 |
| Net loans and leases to total assets | 63.3869% | 3,180 |
| Net loans and leases to deposits | 75.2746% | 3,140 |
| Net loans and leases to core deposits | 77.1828% | 3,466 |
| Total domestic deposits to total assets | 84.2076% | 3,735 |
| Equity capital to assets | 15.4760% | 630 |
| Core capital (leverage) ratio | 15.5767% | 519 |
| Tier 1 risk-based capital ratio | 25.8734% | 800 |
| Total risk-based capital ratio | 27.1693% | 777 |
| Memoranda: | ||
| Average total assets | $40,837,000 | 5,944 |
| Average earning assets | $38,015,000 | 5,923 |
| Average equity | $6,303,000 | 5,532 |
| Average total loans | $27,743,500 | 5,607 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 358 |
| Cost of funding earning assets | 0.3800% | 3,910 |
| Net interest margin | 5.0495% | 277 |
| Noninterest income to average assets | 0.8320% | 1,742 |
| Noninterest expense to average assets | 3.6134% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8633% | 417 |
| Return on assets (ROA) | 1.8633% | 430 |
| Pretax return on assets | 1.8633% | 691 |
| Return on Equity (ROE) | 12.8396% | 1,175 |
| Retained earnings to average equity (ytd only) | 7.7513% | 1,110 |
| Net charge-offs to loans | -0.1299% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9775% | 4,257 |
| Assets per employee ($millions) | 3.0975% | 5,569 |
| Cash dividends to net income (ytd only)* | 39.6301% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6458% | 83 |
| Loan loss allowance to noncurrent loans | 162.9073% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 4.4005% | 357 |
| Noncurrent loans to loans | 2.8518% | 810 |
| Net loans and leases to total assets | 66.2611% | 2,847 |
| Net loans and leases to deposits | 78.5967% | 2,896 |
| Net loans and leases to core deposits | 79.3328% | 3,371 |
| Total domestic deposits to total assets | 84.3052% | 3,587 |
| Equity capital to assets | 15.3919% | 633 |
| Core capital (leverage) ratio | 14.9466% | 620 |
| Tier 1 risk-based capital ratio | 23.3869% | 1,020 |
| Total risk-based capital ratio | 24.6834% | 994 |
| Memoranda: | ||
| Average total assets | $40,626,200 | 6,022 |
| Average earning assets | $37,370,400 | 6,004 |
| Average equity | $5,895,800 | 5,640 |
| Average total loans | $27,705,200 | 5,664 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 609 |
| Cost of funding earning assets | 0.4040% | 3,749 |
| Net interest margin | 4.7194% | 482 |
| Noninterest income to average assets | 0.2653% | 5,308 |
| Noninterest expense to average assets | 3.6971% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8907% | 2,954 |
| Return on assets (ROA) | 0.8907% | 3,055 |
| Pretax return on assets | 0.8907% | 4,030 |
| Return on Equity (ROE) | 6.2310% | 4,118 |
| Retained earnings to average equity (ytd only) | -0.6414% | 5,899 |
| Net charge-offs to loans | 0.2509% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.2309% | 3,305 |
| Efficiency ratio | 80.5853% | 1,829 |
| Assets per employee ($millions) | 3.1979% | 5,439 |
| Cash dividends to net income (ytd only)* | 110.2934% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4037% | 115 |
| Loan loss allowance to noncurrent loans | 139.3103% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 4.6617% | 385 |
| Noncurrent loans to loans | 3.1611% | 809 |
| Net loans and leases to total assets | 63.2863% | 3,296 |
| Net loans and leases to deposits | 73.6562% | 3,475 |
| Net loans and leases to core deposits | 74.3094% | 3,915 |
| Total domestic deposits to total assets | 85.9212% | 2,885 |
| Equity capital to assets | 13.7517% | 1,091 |
| Core capital (leverage) ratio | 13.6915% | 932 |
| Tier 1 risk-based capital ratio | 21.4130% | 1,370 |
| Total risk-based capital ratio | 22.7044% | 1,331 |
| Memoranda: | ||
| Average total assets | $40,715,750 | 6,089 |
| Average earning assets | $37,292,250 | 6,078 |
| Average equity | $5,820,250 | 5,716 |
| Average total loans | $27,636,000 | 5,723 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 524 |
| Cost of funding earning assets | 0.4243% | 3,609 |
| Net interest margin | 4.7592% | 440 |
| Noninterest income to average assets | 0.4254% | 4,055 |
| Noninterest expense to average assets | 3.7596% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9943% | 2,342 |
| Return on assets (ROA) | 0.9943% | 2,412 |
| Pretax return on assets | 0.9943% | 3,499 |
| Return on Equity (ROE) | 6.8663% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.8663% | 1,833 |
| Net charge-offs to loans | 0.4264% | 957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.4068% | 3,315 |
| Efficiency ratio | 79.0843% | 2,155 |
| Assets per employee ($millions) | 3.1725% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4756% | 118 |
| Loan loss allowance to noncurrent loans | 163.7228% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 4.5172% | 433 |
| Noncurrent loans to loans | 2.7336% | 1,104 |
| Net loans and leases to total assets | 62.3612% | 3,348 |
| Net loans and leases to deposits | 73.1464% | 3,436 |
| Net loans and leases to core deposits | 74.4831% | 3,787 |
| Total domestic deposits to total assets | 85.2553% | 3,384 |
| Equity capital to assets | 14.4464% | 833 |
| Core capital (leverage) ratio | 14.8929% | 624 |
| Tier 1 risk-based capital ratio | 22.4154% | 1,201 |
| Total risk-based capital ratio | 23.5868% | 1,194 |
| Memoranda: | ||
| Average total assets | $40,430,000 | 6,159 |
| Average earning assets | $36,770,670 | 6,155 |
| Average equity | $5,854,670 | 5,746 |
| Average total loans | $27,674,000 | 5,766 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 568 |
| Cost of funding earning assets | 0.4245% | 3,705 |
| Net interest margin | 4.7021% | 467 |
| Noninterest income to average assets | 0.7296% | 2,031 |
| Noninterest expense to average assets | 4.2574% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7895% | 3,201 |
| Return on assets (ROA) | 0.7895% | 3,274 |
| Pretax return on assets | 0.7895% | 4,149 |
| Return on Equity (ROE) | 5.4455% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.4455% | 2,818 |
| Net charge-offs to loans | 0.4278% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.6333% | 2,832 |
| Efficiency ratio | 84.3564% | 1,630 |
| Assets per employee ($millions) | 3.0724% | 5,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4907% | 131 |
| Loan loss allowance to noncurrent loans | 143.9907% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 5.2628% | 376 |
| Noncurrent loans to loans | 3.1187% | 1,004 |
| Net loans and leases to total assets | 65.7094% | 2,617 |
| Net loans and leases to deposits | 77.2525% | 2,658 |
| Net loans and leases to core deposits | 78.7098% | 3,122 |
| Total domestic deposits to total assets | 85.0580% | 3,839 |
| Equity capital to assets | 14.6191% | 758 |
| Core capital (leverage) ratio | 14.6955% | 648 |
| Tier 1 risk-based capital ratio | 21.5849% | 1,359 |
| Total risk-based capital ratio | 22.8777% | 1,333 |
| Memoranda: | ||
| Average total assets | $40,024,000 | 6,236 |
| Average earning assets | $36,749,500 | 6,213 |
| Average equity | $5,803,000 | 5,800 |
| Average total loans | $28,049,000 | 5,795 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2934% | 536 |
| Cost of funding earning assets | 0.4991% | 3,621 |
| Net interest margin | 4.7942% | 437 |
| Noninterest income to average assets | 0.6612% | 2,751 |
| Noninterest expense to average assets | 3.6841% | 1,311 |
| Loan and lease loss provision to assets | 0.0732% | 3,654 |
| Net operating income to assets | 1.3272% | 1,185 |
| Return on assets (ROA) | 1.3272% | 1,225 |
| Pretax return on assets | 1.3272% | 2,045 |
| Return on Equity (ROE) | 10.1731% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.1731% | 535 |
| Net charge-offs to loans | 0.4899% | 1,358 |
| Credit loss provision to net charge-offs | 21.3793% | 4,422 |
| Earnings coverage of net charge-offs (x) | 4.0897% | 3,675 |
| Efficiency ratio | 72.4570% | 3,392 |
| Assets per employee ($millions) | 2.8648% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4166% | 144 |
| Loan loss allowance to noncurrent loans | 141.7040% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 5.3731% | 410 |
| Noncurrent loans to loans | 3.1168% | 1,103 |
| Net loans and leases to total assets | 68.2051% | 2,319 |
| Net loans and leases to deposits | 79.8313% | 2,478 |
| Net loans and leases to core deposits | 81.3193% | 2,974 |
| Total domestic deposits to total assets | 85.4365% | 3,537 |
| Equity capital to assets | 14.3790% | 806 |
| Core capital (leverage) ratio | 13.9979% | 826 |
| Tier 1 risk-based capital ratio | 20.9482% | 1,427 |
| Total risk-based capital ratio | 22.2385% | 1,404 |
| Memoranda: | ||
| Average total assets | $42,344,400 | 6,214 |
| Average earning assets | $39,067,800 | 6,196 |
| Average equity | $5,524,400 | 5,925 |
| Average total loans | $29,595,000 | 5,780 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 650 |
| Cost of funding earning assets | 0.5150% | 3,624 |
| Net interest margin | 4.6821% | 531 |
| Noninterest income to average assets | 0.7645% | 2,300 |
| Noninterest expense to average assets | 3.5148% | 1,583 |
| Loan and lease loss provision to assets | 0.0963% | 3,153 |
| Net operating income to assets | 1.4730% | 943 |
| Return on assets (ROA) | 1.4730% | 993 |
| Pretax return on assets | 1.4761% | 1,687 |
| Return on Equity (ROE) | 11.5668% | 1,638 |
| Retained earnings to average equity (ytd only) | 11.5668% | 494 |
| Net charge-offs to loans | 0.3217% | 1,934 |
| Credit loss provision to net charge-offs | 43.0556% | 3,651 |
| Earnings coverage of net charge-offs (x) | 7.0276% | 2,860 |
| Efficiency ratio | 69.0898% | 3,904 |
| Assets per employee ($millions) | 3.2431% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5451% | 160 |
| Loan loss allowance to noncurrent loans | 101.7504% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 6.5038% | 330 |
| Noncurrent loans to loans | 4.4670% | 729 |
| Net loans and leases to total assets | 66.6010% | 2,542 |
| Net loans and leases to deposits | 77.1465% | 2,805 |
| Net loans and leases to core deposits | 78.4944% | 3,298 |
| Total domestic deposits to total assets | 86.3306% | 3,058 |
| Equity capital to assets | 13.4843% | 1,121 |
| Core capital (leverage) ratio | 12.9320% | 1,233 |
| Tier 1 risk-based capital ratio | 19.5158% | 1,856 |
| Total risk-based capital ratio | 20.8127% | 1,813 |
| Memoranda: | ||
| Average total assets | $42,903,750 | 6,270 |
| Average earning assets | $39,610,750 | 6,246 |
| Average equity | $5,463,750 | 6,016 |
| Average total loans | $29,839,000 | 5,824 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 789 |
| Cost of funding earning assets | 0.5369% | 3,525 |
| Net interest margin | 4.5513% | 648 |
| Noninterest income to average assets | 0.6164% | 3,096 |
| Noninterest expense to average assets | 3.0636% | 2,782 |
| Loan and lease loss provision to assets | 0.0556% | 3,891 |
| Net operating income to assets | 1.7010% | 619 |
| Return on assets (ROA) | 1.7010% | 674 |
| Pretax return on assets | 1.7010% | 1,113 |
| Return on Equity (ROE) | 13.6178% | 1,096 |
| Retained earnings to average equity (ytd only) | 13.6178% | 332 |
| Net charge-offs to loans | 0.3736% | 1,709 |
| Credit loss provision to net charge-offs | 21.4286% | 3,706 |
| Earnings coverage of net charge-offs (x) | 6.7679% | 2,660 |
| Efficiency ratio | 63.5577% | 4,926 |
| Assets per employee ($millions) | 3.4273% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4884% | 177 |
| Loan loss allowance to noncurrent loans | 83.7414% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 6.5761% | 373 |
| Noncurrent loans to loans | 5.3598% | 578 |
| Net loans and leases to total assets | 63.7123% | 2,965 |
| Net loans and leases to deposits | 73.0927% | 3,284 |
| Net loans and leases to core deposits | 74.2843% | 3,766 |
| Total domestic deposits to total assets | 87.1664% | 2,725 |
| Equity capital to assets | 12.5081% | 1,570 |
| Core capital (leverage) ratio | 12.7941% | 1,249 |
| Tier 1 risk-based capital ratio | 18.8184% | 2,042 |
| Total risk-based capital ratio | 20.1135% | 1,991 |
| Memoranda: | ||
| Average total assets | $43,151,670 | 6,310 |
| Average earning assets | $39,856,330 | 6,289 |
| Average equity | $5,390,000 | 6,082 |
| Average total loans | $29,980,000 | 5,845 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 702 |
| Cost of funding earning assets | 0.5633% | 3,448 |
| Net interest margin | 4.5679% | 594 |
| Noninterest income to average assets | 0.2827% | 5,443 |
| Noninterest expense to average assets | 2.6478% | 4,251 |
| Loan and lease loss provision to assets | 0.1131% | 2,818 |
| Net operating income to assets | 1.7244% | 551 |
| Return on assets (ROA) | 1.7244% | 608 |
| Pretax return on assets | 1.7244% | 1,019 |
| Return on Equity (ROE) | 13.8152% | 994 |
| Retained earnings to average equity (ytd only) | 13.8152% | 466 |
| Net charge-offs to loans | 0.8104% | 749 |
| Credit loss provision to net charge-offs | 19.6721% | 3,038 |
| Earnings coverage of net charge-offs (x) | 3.1967% | 2,820 |
| Efficiency ratio | 59.0336% | 5,713 |
| Assets per employee ($millions) | 3.9542% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4427% | 205 |
| Loan loss allowance to noncurrent loans | 79.4381% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 7.2857% | 376 |
| Noncurrent loans to loans | 5.5927% | 637 |
| Net loans and leases to total assets | 65.7187% | 2,419 |
| Net loans and leases to deposits | 75.3486% | 2,727 |
| Net loans and leases to core deposits | 75.9694% | 3,328 |
| Total domestic deposits to total assets | 87.2195% | 2,815 |
| Equity capital to assets | 12.3919% | 1,779 |
| Core capital (leverage) ratio | 12.7672% | 1,211 |
| Tier 1 risk-based capital ratio | 18.0756% | 2,329 |
| Total risk-based capital ratio | 19.3691% | 2,278 |
| Memoranda: | ||
| Average total assets | $42,450,000 | 6,390 |
| Average earning assets | $39,055,000 | 6,363 |
| Average equity | $5,298,500 | 6,161 |
| Average total loans | $30,109,500 | 5,887 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8689% | 330 |
| Cost of funding earning assets | 0.7320% | 3,238 |
| Net interest margin | 5.1369% | 306 |
| Noninterest income to average assets | 0.4545% | 4,220 |
| Noninterest expense to average assets | 3.2742% | 2,412 |
| Loan and lease loss provision to assets | 0.6226% | 869 |
| Net operating income to assets | 1.2595% | 1,425 |
| Return on assets (ROA) | 1.2595% | 1,580 |
| Pretax return on assets | 1.2595% | 2,573 |
| Return on Equity (ROE) | 10.7662% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.7662% | 467 |
| Net charge-offs to loans | 0.6355% | 1,840 |
| Credit loss provision to net charge-offs | 133.5025% | 2,097 |
| Earnings coverage of net charge-offs (x) | 4.0355% | 3,506 |
| Efficiency ratio | 63.4986% | 4,981 |
| Assets per employee ($millions) | 3.4503% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5471% | 180 |
| Loan loss allowance to noncurrent loans | 97.7305% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 6.9631% | 447 |
| Noncurrent loans to loans | 4.6527% | 900 |
| Net loans and leases to total assets | 69.8652% | 1,869 |
| Net loans and leases to deposits | 80.1302% | 2,264 |
| Net loans and leases to core deposits | 80.8220% | 2,903 |
| Total domestic deposits to total assets | 87.1896% | 2,712 |
| Equity capital to assets | 12.5761% | 1,649 |
| Core capital (leverage) ratio | 12.0557% | 1,538 |
| Tier 1 risk-based capital ratio | 17.4652% | 2,464 |
| Total risk-based capital ratio | 18.7593% | 2,427 |
| Memoranda: | ||
| Average total assets | $42,239,600 | 6,420 |
| Average earning assets | $38,661,400 | 6,411 |
| Average equity | $4,941,400 | 6,306 |
| Average total loans | $30,998,800 | 5,897 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8687% | 354 |
| Cost of funding earning assets | 0.7546% | 3,315 |
| Net interest margin | 5.1141% | 330 |
| Noninterest income to average assets | 0.4115% | 4,543 |
| Noninterest expense to average assets | 3.2604% | 2,390 |
| Loan and lease loss provision to assets | 0.8104% | 578 |
| Net operating income to assets | 1.0240% | 2,395 |
| Return on assets (ROA) | 1.0240% | 2,618 |
| Pretax return on assets | 1.0240% | 3,623 |
| Return on Equity (ROE) | 8.9161% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.9161% | 1,260 |
| Net charge-offs to loans | 0.6074% | 1,817 |
| Credit loss provision to net charge-offs | 181.6901% | 1,533 |
| Earnings coverage of net charge-offs (x) | 4.1127% | 3,400 |
| Efficiency ratio | 63.9951% | 4,803 |
| Assets per employee ($millions) | 3.5429% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7230% | 173 |
| Loan loss allowance to noncurrent loans | 95.1366% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 7.2680% | 478 |
| Noncurrent loans to loans | 4.9644% | 916 |
| Net loans and leases to total assets | 67.7573% | 2,328 |
| Net loans and leases to deposits | 77.0323% | 2,808 |
| Net loans and leases to core deposits | 77.6720% | 3,507 |
| Total domestic deposits to total assets | 87.9595% | 2,066 |
| Equity capital to assets | 11.7723% | 2,462 |
| Core capital (leverage) ratio | 11.7540% | 1,807 |
| Tier 1 risk-based capital ratio | 16.5820% | 2,953 |
| Total risk-based capital ratio | 17.8784% | 2,897 |
| Memoranda: | ||
| Average total assets | $42,448,500 | 6,485 |
| Average earning assets | $38,872,000 | 6,474 |
| Average equity | $4,875,000 | 6,401 |
| Average total loans | $31,172,250 | 5,966 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8788% | 357 |
| Cost of funding earning assets | 0.7780% | 3,384 |
| Net interest margin | 5.1008% | 337 |
| Noninterest income to average assets | 0.6883% | 2,727 |
| Noninterest expense to average assets | 3.3234% | 2,243 |
| Loan and lease loss provision to assets | 0.8155% | 608 |
| Net operating income to assets | 1.2162% | 1,656 |
| Return on assets (ROA) | 1.2162% | 1,852 |
| Pretax return on assets | 1.2162% | 2,855 |
| Return on Equity (ROE) | 10.6795% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.6795% | 812 |
| Net charge-offs to loans | 1.0037% | 1,104 |
| Credit loss provision to net charge-offs | 109.4937% | 2,488 |
| Earnings coverage of net charge-offs (x) | 2.7278% | 3,647 |
| Efficiency ratio | 62.0599% | 5,237 |
| Assets per employee ($millions) | 3.4701% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2988% | 273 |
| Loan loss allowance to noncurrent loans | 82.8340% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 7.3845% | 501 |
| Noncurrent loans to loans | 5.1897% | 927 |
| Net loans and leases to total assets | 70.9445% | 1,743 |
| Net loans and leases to deposits | 80.6960% | 2,278 |
| Net loans and leases to core deposits | 81.3762% | 3,039 |
| Total domestic deposits to total assets | 87.9158% | 2,193 |
| Equity capital to assets | 11.8585% | 2,261 |
| Core capital (leverage) ratio | 11.8357% | 1,696 |
| Tier 1 risk-based capital ratio | 16.2760% | 3,015 |
| Total risk-based capital ratio | 17.5794% | 2,970 |
| Memoranda: | ||
| Average total assets | $42,426,330 | 6,529 |
| Average earning assets | $38,817,670 | 6,517 |
| Average equity | $4,831,670 | 6,439 |
| Average total loans | $31,484,670 | 5,989 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9319% | 337 |
| Cost of funding earning assets | 0.8066% | 3,425 |
| Net interest margin | 5.1253% | 330 |
| Noninterest income to average assets | 0.8221% | 2,057 |
| Noninterest expense to average assets | 3.1855% | 2,650 |
| Loan and lease loss provision to assets | 0.5698% | 1,018 |
| Net operating income to assets | 1.7562% | 657 |
| Return on assets (ROA) | 1.7562% | 733 |
| Pretax return on assets | 1.7562% | 1,183 |
| Return on Equity (ROE) | 15.7372% | 844 |
| Retained earnings to average equity (ytd only) | 15.7372% | 384 |
| Net charge-offs to loans | 2.1515% | 419 |
| Credit loss provision to net charge-offs | 35.6725% | 3,525 |
| Earnings coverage of net charge-offs (x) | 1.4561% | 3,596 |
| Efficiency ratio | 57.7966% | 5,942 |
| Assets per employee ($millions) | 3.5498% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8329% | 426 |
| Loan loss allowance to noncurrent loans | 78.0013% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 7.1977% | 573 |
| Noncurrent loans to loans | 4.9139% | 1,151 |
| Net loans and leases to total assets | 70.7984% | 1,611 |
| Net loans and leases to deposits | 80.1392% | 2,184 |
| Net loans and leases to core deposits | 80.7941% | 2,971 |
| Total domestic deposits to total assets | 88.3442% | 2,099 |
| Equity capital to assets | 11.4351% | 2,499 |
| Core capital (leverage) ratio | 11.4361% | 1,937 |
| Tier 1 risk-based capital ratio | 15.6443% | 3,365 |
| Total risk-based capital ratio | 16.9379% | 3,314 |
| Memoranda: | ||
| Average total assets | $42,819,000 | 6,571 |
| Average earning assets | $39,178,000 | 6,555 |
| Average equity | $4,778,500 | 6,486 |
| Average total loans | $31,792,500 | 6,020 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1966% | 305 |
| Cost of funding earning assets | 0.9400% | 3,785 |
| Net interest margin | 5.2566% | 260 |
| Noninterest income to average assets | 0.3667% | 4,883 |
| Noninterest expense to average assets | 3.4558% | 2,104 |
| Loan and lease loss provision to assets | 2.4073% | 190 |
| Net operating income to assets | -0.7264% | 6,618 |
| Return on assets (ROA) | -0.7264% | 6,649 |
| Pretax return on assets | -0.7241% | 6,608 |
| Return on Equity (ROE) | -6.5664% | 6,608 |
| Retained earnings to average equity (ytd only) | -6.5664% | 6,541 |
| Net charge-offs to loans | 1.5237% | 1,053 |
| Credit loss provision to net charge-offs | 205.6225% | 1,210 |
| Earnings coverage of net charge-offs (x) | 1.4378% | 4,692 |
| Efficiency ratio | 67.2461% | 4,531 |
| Assets per employee ($millions) | 3.5868% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0714% | 364 |
| Loan loss allowance to noncurrent loans | 68.4403% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 7.5579% | 572 |
| Noncurrent loans to loans | 5.9488% | 842 |
| Net loans and leases to total assets | 71.8222% | 1,676 |
| Net loans and leases to deposits | 80.7930% | 2,390 |
| Net loans and leases to core deposits | 81.4379% | 3,257 |
| Total domestic deposits to total assets | 88.8966% | 1,610 |
| Equity capital to assets | 10.8873% | 3,095 |
| Core capital (leverage) ratio | 10.6373% | 2,572 |
| Tier 1 risk-based capital ratio | 14.6680% | 3,857 |
| Total risk-based capital ratio | 15.9586% | 3,801 |
| Memoranda: | ||
| Average total assets | $42,537,000 | 6,585 |
| Average earning assets | $38,617,800 | 6,576 |
| Average equity | $4,705,800 | 6,530 |
| Average total loans | $32,683,800 | 6,032 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3002% | 267 |
| Cost of funding earning assets | 0.9695% | 3,897 |
| Net interest margin | 5.3307% | 232 |
| Noninterest income to average assets | 0.2829% | 5,579 |
| Noninterest expense to average assets | 3.5807% | 1,754 |
| Loan and lease loss provision to assets | 3.0714% | 104 |
| Net operating income to assets | -1.5499% | 7,054 |
| Return on assets (ROA) | -1.5499% | 7,065 |
| Pretax return on assets | -1.5467% | 7,027 |
| Return on Equity (ROE) | -13.9536% | 6,992 |
| Retained earnings to average equity (ytd only) | -13.9536% | 6,966 |
| Net charge-offs to loans | 1.9147% | 680 |
| Credit loss provision to net charge-offs | 207.4310% | 1,412 |
| Earnings coverage of net charge-offs (x) | 1.0297% | 4,861 |
| Efficiency ratio | 70.1355% | 3,941 |
| Assets per employee ($millions) | 3.5586% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0220% | 386 |
| Loan loss allowance to noncurrent loans | 101.2539% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 6.0347% | 885 |
| Noncurrent loans to loans | 3.9722% | 1,668 |
| Net loans and leases to total assets | 72.1987% | 1,668 |
| Net loans and leases to deposits | 80.9425% | 2,532 |
| Net loans and leases to core deposits | 81.5872% | 3,390 |
| Total domestic deposits to total assets | 89.1975% | 1,304 |
| Equity capital to assets | 10.5637% | 3,628 |
| Core capital (leverage) ratio | 10.4783% | 2,893 |
| Tier 1 risk-based capital ratio | 14.1258% | 4,258 |
| Total risk-based capital ratio | 15.4166% | 4,191 |
| Memoranda: | ||
| Average total assets | $42,411,000 | 6,648 |
| Average earning assets | $38,368,000 | 6,644 |
| Average equity | $4,710,750 | 6,581 |
| Average total loans | $32,798,500 | 6,084 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3837% | 245 |
| Cost of funding earning assets | 0.9861% | 4,044 |
| Net interest margin | 5.3976% | 211 |
| Noninterest income to average assets | 0.5152% | 3,746 |
| Noninterest expense to average assets | 4.5139% | 585 |
| Loan and lease loss provision to assets | 3.1243% | 139 |
| Net operating income to assets | -2.2593% | 7,234 |
| Return on assets (ROA) | -2.2593% | 7,239 |
| Pretax return on assets | -2.2593% | 7,212 |
| Return on Equity (ROE) | -20.0112% | 7,154 |
| Retained earnings to average equity (ytd only) | -20.0112% | 7,139 |
| Net charge-offs to loans | 1.6049% | 914 |
| Credit loss provision to net charge-offs | 249.4340% | 1,216 |
| Earnings coverage of net charge-offs (x) | 0.6906% | 4,775 |
| Efficiency ratio | 83.9192% | 1,822 |
| Assets per employee ($millions) | 3.2760% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6293% | 546 |
| Loan loss allowance to noncurrent loans | 79.6496% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 7.0889% | 712 |
| Noncurrent loans to loans | 4.5566% | 1,445 |
| Net loans and leases to total assets | 73.6968% | 1,475 |
| Net loans and leases to deposits | 82.6687% | 2,346 |
| Net loans and leases to core deposits | 83.3271% | 3,319 |
| Total domestic deposits to total assets | 89.1472% | 1,448 |
| Equity capital to assets | 10.6485% | 3,335 |
| Core capital (leverage) ratio | 10.5108% | 2,703 |
| Tier 1 risk-based capital ratio | 13.8359% | 4,283 |
| Total risk-based capital ratio | 15.1207% | 4,225 |
| Memoranda: | ||
| Average total assets | $42,313,670 | 6,710 |
| Average earning assets | $38,128,330 | 6,710 |
| Average equity | $4,777,330 | 6,608 |
| Average total loans | $33,023,670 | 6,134 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5927% | 180 |
| Cost of funding earning assets | 0.9963% | 4,231 |
| Net interest margin | 5.5964% | 142 |
| Noninterest income to average assets | 0.1897% | 6,366 |
| Noninterest expense to average assets | 3.8884% | 1,189 |
| Loan and lease loss provision to assets | 3.4047% | 131 |
| Net operating income to assets | -2.0960% | 7,298 |
| Return on assets (ROA) | -2.0960% | 7,298 |
| Pretax return on assets | -2.0960% | 7,273 |
| Return on Equity (ROE) | -18.0463% | 7,196 |
| Retained earnings to average equity (ytd only) | -18.0463% | 7,117 |
| Net charge-offs to loans | 0.2526% | 3,070 |
| Credit loss provision to net charge-offs | 1,709.5238% | 229 |
| Earnings coverage of net charge-offs (x) | 6.5714% | 2,078 |
| Efficiency ratio | 74.8175% | 3,362 |
| Assets per employee ($millions) | 3.2158% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4128% | 656 |
| Loan loss allowance to noncurrent loans | 80.4581% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 8.8387% | 503 |
| Noncurrent loans to loans | 4.2417% | 1,681 |
| Net loans and leases to total assets | 76.0938% | 1,023 |
| Net loans and leases to deposits | 86.1270% | 1,709 |
| Net loans and leases to core deposits | 86.8275% | 2,756 |
| Total domestic deposits to total assets | 88.3507% | 2,167 |
| Equity capital to assets | 11.4508% | 2,314 |
| Core capital (leverage) ratio | 11.1678% | 2,054 |
| Tier 1 risk-based capital ratio | 14.2409% | 3,914 |
| Total risk-based capital ratio | 15.5216% | 3,850 |
| Memoranda: | ||
| Average total assets | $42,176,500 | 6,754 |
| Average earning assets | $37,738,500 | 6,774 |
| Average equity | $4,898,500 | 6,594 |
| Average total loans | $33,251,500 | 6,168 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5302% | 304 |
| Cost of funding earning assets | 1.4149% | 3,166 |
| Net interest margin | 5.1152% | 344 |
| Noninterest income to average assets | 0.4332% | 4,656 |
| Noninterest expense to average assets | 3.8787% | 1,346 |
| Loan and lease loss provision to assets | 1.3496% | 1,125 |
| Net operating income to assets | -0.2790% | 6,193 |
| Return on assets (ROA) | -0.2790% | 6,239 |
| Pretax return on assets | -0.2767% | 6,144 |
| Return on Equity (ROE) | -2.3870% | 6,216 |
| Retained earnings to average equity (ytd only) | -3.5319% | 6,157 |
| Net charge-offs to loans | 1.0583% | 2,090 |
| Credit loss provision to net charge-offs | 168.0791% | 2,020 |
| Earnings coverage of net charge-offs (x) | 1.3362% | 4,767 |
| Efficiency ratio | 78.3326% | 2,645 |
| Assets per employee ($millions) | 3.5457% | 4,833 |
| Cash dividends to net income (ytd only)* | -47.9675% | 7,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3415% | 1,629 |
| Loan loss allowance to noncurrent loans | 44.8119% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 10.0639% | 404 |
| Noncurrent loans to loans | 5.2252% | 1,275 |
| Net loans and leases to total assets | 77.0471% | 1,088 |
| Net loans and leases to deposits | 87.6149% | 1,846 |
| Net loans and leases to core deposits | 88.3160% | 3,009 |
| Total domestic deposits to total assets | 87.9383% | 2,287 |
| Equity capital to assets | 11.7749% | 2,055 |
| Core capital (leverage) ratio | 11.3224% | 1,941 |
| Tier 1 risk-based capital ratio | 14.3579% | 3,641 |
| Total risk-based capital ratio | 15.6262% | 3,585 |
| Memoranda: | ||
| Average total assets | $44,087,200 | 6,729 |
| Average earning assets | $38,942,400 | 6,763 |
| Average equity | $5,153,000 | 6,619 |
| Average total loans | $33,449,000 | 6,238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5947% | 288 |
| Cost of funding earning assets | 1.5048% | 2,947 |
| Net interest margin | 5.0898% | 364 |
| Noninterest income to average assets | 0.6626% | 3,058 |
| Noninterest expense to average assets | 3.7026% | 1,558 |
| Loan and lease loss provision to assets | 1.0793% | 1,354 |
| Net operating income to assets | 0.3598% | 4,931 |
| Return on assets (ROA) | 0.3598% | 5,110 |
| Pretax return on assets | 0.3628% | 5,339 |
| Return on Equity (ROE) | 3.0836% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.5674% | 5,170 |
| Net charge-offs to loans | 1.0293% | 1,961 |
| Credit loss provision to net charge-offs | 139.5349% | 2,852 |
| Earnings coverage of net charge-offs (x) | 1.8644% | 4,308 |
| Efficiency ratio | 71.9697% | 3,702 |
| Assets per employee ($millions) | 3.6623% | 4,582 |
| Cash dividends to net income (ytd only)* | 49.1625% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8802% | 2,545 |
| Loan loss allowance to noncurrent loans | 94.1776% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 7.7068% | 665 |
| Noncurrent loans to loans | 1.9964% | 3,683 |
| Net loans and leases to total assets | 76.8294% | 1,253 |
| Net loans and leases to deposits | 89.9081% | 1,735 |
| Net loans and leases to core deposits | 91.2518% | 2,913 |
| Total domestic deposits to total assets | 85.4533% | 3,378 |
| Equity capital to assets | 12.0119% | 2,153 |
| Core capital (leverage) ratio | 11.7501% | 1,791 |
| Tier 1 risk-based capital ratio | 14.6515% | 3,424 |
| Total risk-based capital ratio | 15.9134% | 3,395 |
| Memoranda: | ||
| Average total assets | $44,472,000 | 6,797 |
| Average earning assets | $39,162,000 | 6,827 |
| Average equity | $5,188,750 | 6,677 |
| Average total loans | $33,419,250 | 6,323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5724% | 302 |
| Cost of funding earning assets | 1.5257% | 3,099 |
| Net interest margin | 5.0466% | 381 |
| Noninterest income to average assets | 0.5331% | 3,850 |
| Noninterest expense to average assets | 3.7226% | 1,510 |
| Loan and lease loss provision to assets | 1.2319% | 1,139 |
| Net operating income to assets | 0.0045% | 6,078 |
| Return on assets (ROA) | 0.0045% | 6,180 |
| Pretax return on assets | 0.0090% | 6,142 |
| Return on Equity (ROE) | 0.0388% | 6,184 |
| Retained earnings to average equity (ytd only) | -2.2486% | 6,185 |
| Net charge-offs to loans | 1.5534% | 1,227 |
| Credit loss provision to net charge-offs | 107.0039% | 3,817 |
| Earnings coverage of net charge-offs (x) | 1.0778% | 4,720 |
| Efficiency ratio | 75.0000% | 3,263 |
| Assets per employee ($millions) | 3.2016% | 5,683 |
| Cash dividends to net income (ytd only)* | 5,900.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7065% | 3,046 |
| Loan loss allowance to noncurrent loans | 95.7483% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 8.3017% | 575 |
| Noncurrent loans to loans | 1.7823% | 4,022 |
| Net loans and leases to total assets | 72.3484% | 2,312 |
| Net loans and leases to deposits | 86.2562% | 2,470 |
| Net loans and leases to core deposits | 87.5699% | 3,605 |
| Total domestic deposits to total assets | 83.8762% | 4,158 |
| Equity capital to assets | 11.4676% | 2,472 |
| Core capital (leverage) ratio | 11.3932% | 1,974 |
| Tier 1 risk-based capital ratio | 14.4675% | 3,465 |
| Total risk-based capital ratio | 15.7342% | 3,418 |
| Memoranda: | ||
| Average total assets | $44,646,670 | 6,844 |
| Average earning assets | $39,194,330 | 6,881 |
| Average equity | $5,158,670 | 6,725 |
| Average total loans | $33,088,330 | 6,379 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5585% | 325 |
| Cost of funding earning assets | 1.5912% | 3,012 |
| Net interest margin | 4.9674% | 445 |
| Noninterest income to average assets | 0.8079% | 1,979 |
| Noninterest expense to average assets | 3.3394% | 2,395 |
| Loan and lease loss provision to assets | 1.7864% | 636 |
| Net operating income to assets | 0.0539% | 6,146 |
| Return on assets (ROA) | 0.0539% | 6,257 |
| Pretax return on assets | 0.0539% | 6,246 |
| Return on Equity (ROE) | 0.4644% | 6,280 |
| Retained earnings to average equity (ytd only) | -4.1022% | 6,507 |
| Net charge-offs to loans | 0.0241% | 5,242 |
| Credit loss provision to net charge-offs | 9,950.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 315 |
| Efficiency ratio | 64.4714% | 5,398 |
| Assets per employee ($millions) | 3.4041% | 5,280 |
| Cash dividends to net income (ytd only)* | 983.3333% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2273% | 1,693 |
| Loan loss allowance to noncurrent loans | 52.3641% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 9.8841% | 405 |
| Noncurrent loans to loans | 4.2535% | 1,799 |
| Net loans and leases to total assets | 73.6040% | 2,057 |
| Net loans and leases to deposits | 88.1301% | 2,200 |
| Net loans and leases to core deposits | 89.5056% | 3,429 |
| Total domestic deposits to total assets | 83.5175% | 4,375 |
| Equity capital to assets | 11.5970% | 2,295 |
| Core capital (leverage) ratio | 11.3426% | 2,005 |
| Tier 1 risk-based capital ratio | 14.6460% | 3,294 |
| Total risk-based capital ratio | 15.9072% | 3,252 |
| Memoranda: | ||
| Average total assets | $44,559,000 | 6,934 |
| Average earning assets | $39,216,000 | 6,963 |
| Average equity | $5,168,000 | 6,795 |
| Average total loans | $33,137,000 | 6,457 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4108% | 812 |
| Cost of funding earning assets | 2.0765% | 2,592 |
| Net interest margin | 4.3343% | 1,619 |
| Noninterest income to average assets | 0.7599% | 2,619 |
| Noninterest expense to average assets | 3.2249% | 3,298 |
| Loan and lease loss provision to assets | 0.6142% | 3,340 |
| Net operating income to assets | 0.8015% | 2,533 |
| Return on assets (ROA) | 0.8015% | 2,617 |
| Pretax return on assets | 0.8057% | 3,226 |
| Return on Equity (ROE) | 7.5178% | 2,576 |
| Retained earnings to average equity (ytd only) | 3.3391% | 2,835 |
| Net charge-offs to loans | 0.9785% | 2,448 |
| Credit loss provision to net charge-offs | 80.1630% | 6,275 |
| Earnings coverage of net charge-offs (x) | 1.8533% | 4,332 |
| Efficiency ratio | 69.4307% | 4,744 |
| Assets per employee ($millions) | 3.4512% | 5,126 |
| Cash dividends to net income (ytd only)* | 55.5844% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 3,074 |
| Loan loss allowance to noncurrent loans | 32.8511% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 9.6868% | 396 |
| Noncurrent loans to loans | 5.0334% | 1,343 |
| Net loans and leases to total assets | 72.2501% | 2,691 |
| Net loans and leases to deposits | 86.2789% | 2,863 |
| Net loans and leases to core deposits | 94.1120% | 4,661 |
| Total domestic deposits to total assets | 83.7401% | 4,158 |
| Equity capital to assets | 11.5992% | 2,246 |
| Core capital (leverage) ratio | 11.2382% | 2,080 |
| Tier 1 risk-based capital ratio | 13.4878% | 3,827 |
| Total risk-based capital ratio | 14.7395% | 3,773 |
| Memoranda: | ||
| Average total assets | $48,033,200 | 6,785 |
| Average earning assets | $43,052,200 | 6,813 |
| Average equity | $5,121,200 | 6,901 |
| Average total loans | $37,607,000 | 6,213 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5217% | 717 |
| Cost of funding earning assets | 2.1729% | 2,539 |
| Net interest margin | 4.3488% | 1,591 |
| Noninterest income to average assets | 0.6445% | 3,386 |
| Noninterest expense to average assets | 2.9465% | 4,247 |
| Loan and lease loss provision to assets | 0.8056% | 2,353 |
| Net operating income to assets | 0.8028% | 2,804 |
| Return on assets (ROA) | 0.8028% | 2,870 |
| Pretax return on assets | 0.8056% | 3,519 |
| Return on Equity (ROE) | 7.6853% | 2,776 |
| Retained earnings to average equity (ytd only) | 2.0912% | 4,158 |
| Net charge-offs to loans | 0.5193% | 3,139 |
| Credit loss provision to net charge-offs | 195.3642% | 2,305 |
| Earnings coverage of net charge-offs (x) | 3.9073% | 3,339 |
| Efficiency ratio | 64.6495% | 5,628 |
| Assets per employee ($millions) | 3.5992% | 4,690 |
| Cash dividends to net income (ytd only)* | 72.7901% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 1,795 |
| Loan loss allowance to noncurrent loans | 17.2601% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 14.0607% | 147 |
| Noncurrent loans to loans | 11.6014% | 297 |
| Net loans and leases to total assets | 79.5961% | 1,261 |
| Net loans and leases to deposits | 96.5820% | 1,502 |
| Net loans and leases to core deposits | 116.6030% | 2,563 |
| Total domestic deposits to total assets | 82.4129% | 4,490 |
| Equity capital to assets | 10.9297% | 3,081 |
| Core capital (leverage) ratio | 10.5367% | 2,761 |
| Tier 1 risk-based capital ratio | 13.4958% | 3,849 |
| Total risk-based capital ratio | 14.7549% | 3,779 |
| Memoranda: | ||
| Average total assets | $48,825,250 | 6,812 |
| Average earning assets | $43,934,500 | 6,820 |
| Average equity | $5,100,500 | 6,969 |
| Average total loans | $38,768,750 | 6,209 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7354% | 510 |
| Cost of funding earning assets | 2.2811% | 2,442 |
| Net interest margin | 4.4544% | 1,275 |
| Noninterest income to average assets | 0.8403% | 2,218 |
| Noninterest expense to average assets | 3.1917% | 3,363 |
| Loan and lease loss provision to assets | 0.4040% | 3,504 |
| Net operating income to assets | 1.2484% | 1,361 |
| Return on assets (ROA) | 1.2484% | 1,435 |
| Pretax return on assets | 1.2524% | 2,155 |
| Return on Equity (ROE) | 12.1272% | 1,374 |
| Retained earnings to average equity (ytd only) | 3.7284% | 3,218 |
| Net charge-offs to loans | 0.3536% | 3,417 |
| Credit loss provision to net charge-offs | 144.9275% | 3,194 |
| Earnings coverage of net charge-offs (x) | 5.9420% | 2,726 |
| Efficiency ratio | 65.8333% | 5,573 |
| Assets per employee ($millions) | 3.7275% | 4,261 |
| Cash dividends to net income (ytd only)* | 69.2557% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 2,317 |
| Loan loss allowance to noncurrent loans | 17.3483% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 11.3583% | 213 |
| Noncurrent loans to loans | 9.8434% | 363 |
| Net loans and leases to total assets | 77.0894% | 1,933 |
| Net loans and leases to deposits | 96.0704% | 1,786 |
| Net loans and leases to core deposits | 115.6819% | 2,741 |
| Total domestic deposits to total assets | 80.2427% | 5,373 |
| Equity capital to assets | 10.5782% | 3,315 |
| Core capital (leverage) ratio | 10.1760% | 3,122 |
| Tier 1 risk-based capital ratio | 13.5928% | 3,764 |
| Total risk-based capital ratio | 14.8491% | 3,684 |
| Memoranda: | ||
| Average total assets | $49,503,670 | 6,851 |
| Average earning assets | $44,540,670 | 6,858 |
| Average equity | $5,096,000 | 7,025 |
| Average total loans | $39,023,670 | 6,247 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0044% | 333 |
| Cost of funding earning assets | 2.3348% | 2,556 |
| Net interest margin | 4.6696% | 821 |
| Noninterest income to average assets | 0.8236% | 2,210 |
| Noninterest expense to average assets | 2.6946% | 5,032 |
| Loan and lease loss provision to assets | 0.3998% | 2,926 |
| Net operating income to assets | 1.9350% | 394 |
| Return on assets (ROA) | 1.9350% | 447 |
| Pretax return on assets | 1.9350% | 748 |
| Return on Equity (ROE) | 19.0514% | 499 |
| Retained earnings to average equity (ytd only) | 10.6278% | 1,050 |
| Net charge-offs to loans | 0.3238% | 2,797 |
| Credit loss provision to net charge-offs | 156.2500% | 2,690 |
| Earnings coverage of net charge-offs (x) | 9.1250% | 2,100 |
| Efficiency ratio | 53.5771% | 7,265 |
| Assets per employee ($millions) | 3.7745% | 4,161 |
| Cash dividends to net income (ytd only)* | 44.2149% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 2,453 |
| Loan loss allowance to noncurrent loans | 18.7445% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 11.9080% | 149 |
| Noncurrent loans to loans | 8.6331% | 387 |
| Net loans and leases to total assets | 78.8008% | 1,625 |
| Net loans and leases to deposits | 100.9029% | 1,292 |
| Net loans and leases to core deposits | 123.1244% | 2,151 |
| Total domestic deposits to total assets | 78.0957% | 5,981 |
| Equity capital to assets | 10.5201% | 3,440 |
| Core capital (leverage) ratio | 10.1406% | 3,248 |
| Tier 1 risk-based capital ratio | 13.2049% | 4,049 |
| Total risk-based capital ratio | 14.4598% | 3,967 |
| Memoranda: | ||
| Average total assets | $50,026,500 | 6,864 |
| Average earning assets | $45,057,500 | 6,880 |
| Average equity | $5,081,000 | 7,083 |
| Average total loans | $39,533,000 | 6,257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2087% | 147 |
| Cost of funding earning assets | 2.8239% | 2,613 |
| Net interest margin | 5.3848% | 244 |
| Noninterest income to average assets | 0.6945% | 3,151 |
| Noninterest expense to average assets | 2.6878% | 5,321 |
| Loan and lease loss provision to assets | 0.9123% | 1,635 |
| Net operating income to assets | 1.9521% | 393 |
| Return on assets (ROA) | 1.9521% | 378 |
| Pretax return on assets | 1.9540% | 689 |
| Return on Equity (ROE) | 20.8377% | 317 |
| Retained earnings to average equity (ytd only) | 5.6126% | 1,707 |
| Net charge-offs to loans | 1.1992% | 1,007 |
| Credit loss provision to net charge-offs | 99.5717% | 5,391 |
| Earnings coverage of net charge-offs (x) | 3.1285% | 4,526 |
| Efficiency ratio | 48.3928% | 7,773 |
| Assets per employee ($millions) | 3.9219% | 3,677 |
| Cash dividends to net income (ytd only)* | 73.0653% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 2,429 |
| Loan loss allowance to noncurrent loans | 22.1983% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 9.8401% | 171 |
| Noncurrent loans to loans | 7.0013% | 435 |
| Net loans and leases to total assets | 76.7794% | 2,434 |
| Net loans and leases to deposits | 99.4462% | 1,913 |
| Net loans and leases to core deposits | 117.3934% | 2,961 |
| Total domestic deposits to total assets | 77.2070% | 5,940 |
| Equity capital to assets | 9.8068% | 4,288 |
| Core capital (leverage) ratio | 9.9150% | 3,534 |
| Tier 1 risk-based capital ratio | 12.7060% | 4,285 |
| Total risk-based capital ratio | 13.9592% | 4,199 |
| Memoranda: | ||
| Average total assets | $50,971,200 | 6,735 |
| Average earning assets | $46,000,200 | 6,769 |
| Average equity | $4,775,000 | 7,216 |
| Average total loans | $38,941,200 | 6,228 |