Home > Granite Bank > Performance and Condition Ratios
Granite 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 | 6.1267% | 544 |
| Cost of funding earning assets | 1.8698% | 1,126 |
| Net interest margin | 4.2570% | 864 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 3.8161% | 423 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5458% | 3,579 |
| Return on assets (ROA) | 0.5458% | 3,563 |
| Pretax return on assets | 0.7478% | 3,344 |
| Return on Equity (ROE) | 5.8300% | 3,553 |
| Retained earnings to average equity (ytd only) | -0.1288% | 4,100 |
| Net charge-offs to loans | 0.0226% | 1,875 |
| Credit loss provision to net charge-offs | 201.9231% | 1,218 |
| Earnings coverage of net charge-offs (x) | 40.1731% | 1,444 |
| Efficiency ratio | 79.5562% | 942 |
| Assets per employee ($millions) | 4.4248% | 3,988 |
| Cash dividends to net income (ytd only)* | 102.2099% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 4,208 |
| Loan loss allowance to noncurrent loans | 179.0412% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 1,727 |
| Noncurrent loans to loans | 0.3529% | 1,924 |
| Net loans and leases to total assets | 86.4800% | 140 |
| Net loans and leases to deposits | 105.8897% | 299 |
| Net loans and leases to core deposits | 130.1130% | 398 |
| Total domestic deposits to total assets | 81.6700% | 3,186 |
| Equity capital to assets | 9.1547% | 2,572 |
| Core capital (leverage) ratio | 8.5416% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7982% | 2,842 |
| Memoranda: | ||
| Average total assets | $265,321,800 | 2,593 |
| Average earning assets | $248,908,600 | 2,582 |
| Average equity | $24,846,000 | 2,531 |
| Average total loans | $229,606,400 | 2,105 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9303% | 577 |
| Cost of funding earning assets | 1.6315% | 1,315 |
| Net interest margin | 4.2987% | 804 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 3.6647% | 461 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6624% | 3,402 |
| Return on assets (ROA) | 0.6624% | 3,390 |
| Pretax return on assets | 0.9140% | 3,070 |
| Return on Equity (ROE) | 7.0300% | 3,423 |
| Retained earnings to average equity (ytd only) | 0.5197% | 4,044 |
| Net charge-offs to loans | 0.0084% | 2,099 |
| Credit loss provision to net charge-offs | 535.7143% | 605 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 792 |
| Efficiency ratio | 75.8959% | 1,180 |
| Assets per employee ($millions) | 4.7952% | 3,743 |
| Cash dividends to net income (ytd only)* | 92.6070% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 4,193 |
| Loan loss allowance to noncurrent loans | 372.7483% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,539 |
| Noncurrent loans to loans | 0.1774% | 2,661 |
| Net loans and leases to total assets | 87.2000% | 109 |
| Net loans and leases to deposits | 107.4580% | 259 |
| Net loans and leases to core deposits | 129.3106% | 350 |
| Total domestic deposits to total assets | 81.1500% | 3,360 |
| Equity capital to assets | 9.1723% | 2,310 |
| Core capital (leverage) ratio | 8.6633% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7956% | 2,855 |
| Memoranda: | ||
| Average total assets | $258,643,500 | 2,635 |
| Average earning assets | $242,546,750 | 2,621 |
| Average equity | $24,373,750 | 2,541 |
| Average total loans | $223,465,250 | 2,139 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5179% | 809 |
| Cost of funding earning assets | 1.3566% | 1,566 |
| Net interest margin | 4.1613% | 981 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.4019% | 597 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6790% | 3,390 |
| Return on assets (ROA) | 0.6790% | 3,391 |
| Pretax return on assets | 0.9415% | 3,067 |
| Return on Equity (ROE) | 7.1300% | 3,453 |
| Retained earnings to average equity (ytd only) | 0.2584% | 4,029 |
| Net charge-offs to loans | 0.0129% | 1,708 |
| Credit loss provision to net charge-offs | 321.4286% | 829 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 1,001 |
| Efficiency ratio | 73.7729% | 1,371 |
| Assets per employee ($millions) | 5.3946% | 3,240 |
| Cash dividends to net income (ytd only)* | 96.3785% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 4,213 |
| Loan loss allowance to noncurrent loans | 340.6452% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,349 |
| Noncurrent loans to loans | 0.1996% | 2,468 |
| Net loans and leases to total assets | 85.8000% | 160 |
| Net loans and leases to deposits | 109.3483% | 216 |
| Net loans and leases to core deposits | 135.1799% | 260 |
| Total domestic deposits to total assets | 78.4600% | 3,789 |
| Equity capital to assets | 8.9104% | 2,580 |
| Core capital (leverage) ratio | 8.4756% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8394% | 2,863 |
| Memoranda: | ||
| Average total assets | $252,151,333 | 2,681 |
| Average earning assets | $236,320,000 | 2,668 |
| Average equity | $23,995,000 | 2,572 |
| Average total loans | $216,575,000 | 2,175 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2947% | 835 |
| Cost of funding earning assets | 1.0004% | 2,047 |
| Net interest margin | 4.2943% | 812 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.3366% | 664 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7150% | 3,433 |
| Return on assets (ROA) | 0.7150% | 3,386 |
| Pretax return on assets | 1.0076% | 2,968 |
| Return on Equity (ROE) | 7.2600% | 3,468 |
| Retained earnings to average equity (ytd only) | 0.1668% | 3,996 |
| Net charge-offs to loans | -0.0134% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.6804% | 1,562 |
| Assets per employee ($millions) | 5.3800% | 3,337 |
| Cash dividends to net income (ytd only)* | 97.7011% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7450% | 4,186 |
| Loan loss allowance to noncurrent loans | 270.5983% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 1,934 |
| Noncurrent loans to loans | 0.2753% | 2,161 |
| Net loans and leases to total assets | 85.2200% | 175 |
| Net loans and leases to deposits | 103.4431% | 315 |
| Net loans and leases to core deposits | 120.1841% | 427 |
| Total domestic deposits to total assets | 82.3800% | 3,427 |
| Equity capital to assets | 9.7261% | 1,982 |
| Core capital (leverage) ratio | 8.8793% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9501% | 2,954 |
| Memoranda: | ||
| Average total assets | $243,361,500 | 2,763 |
| Average earning assets | $228,304,500 | 2,748 |
| Average equity | $23,975,500 | 2,601 |
| Average total loans | $208,356,500 | 2,247 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 348 |
| Cost of funding earning assets | 0.3303% | 2,626 |
| Net interest margin | 4.6010% | 247 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 3.4338% | 524 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0560% | 2,354 |
| Return on assets (ROA) | 1.0560% | 2,298 |
| Pretax return on assets | 1.4188% | 1,717 |
| Return on Equity (ROE) | 11.2600% | 2,394 |
| Retained earnings to average equity (ytd only) | 6.4426% | 2,474 |
| Net charge-offs to loans | 0.0007% | 2,570 |
| Credit loss provision to net charge-offs | 9,000.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 2,648.0000% | 58 |
| Efficiency ratio | 68.4919% | 1,902 |
| Assets per employee ($millions) | 6.4661% | 2,363 |
| Cash dividends to net income (ytd only)* | 42.8046% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 4,116 |
| Loan loss allowance to noncurrent loans | 183.3530% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,448 |
| Noncurrent loans to loans | 0.4147% | 1,682 |
| Net loans and leases to total assets | 84.7100% | 214 |
| Net loans and leases to deposits | 99.7294% | 448 |
| Net loans and leases to core deposits | 108.8774% | 644 |
| Total domestic deposits to total assets | 84.9400% | 3,006 |
| Equity capital to assets | 9.9819% | 1,714 |
| Core capital (leverage) ratio | 9.5302% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7305% | 2,806 |
| Memoranda: | ||
| Average total assets | $180,296,200 | 3,189 |
| Average earning assets | $170,440,000 | 3,144 |
| Average equity | $16,903,200 | 3,210 |
| Average total loans | $142,405,800 | 2,702 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 419 |
| Cost of funding earning assets | 0.2491% | 2,720 |
| Net interest margin | 4.3562% | 301 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 3.1086% | 775 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.1806% | 1,769 |
| Return on assets (ROA) | 1.1806% | 1,739 |
| Pretax return on assets | 1.5849% | 1,157 |
| Return on Equity (ROE) | 12.8900% | 1,736 |
| Retained earnings to average equity (ytd only) | 5.7259% | 2,845 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.5353% | 2,478 |
| Assets per employee ($millions) | 7.0657% | 1,893 |
| Cash dividends to net income (ytd only)* | 55.5935% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,062 |
| Loan loss allowance to noncurrent loans | 215.4712% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 1,730 |
| Noncurrent loans to loans | 0.3780% | 1,878 |
| Net loans and leases to total assets | 80.0200% | 528 |
| Net loans and leases to deposits | 91.7624% | 777 |
| Net loans and leases to core deposits | 96.2240% | 987 |
| Total domestic deposits to total assets | 87.2100% | 2,694 |
| Equity capital to assets | 9.9855% | 1,632 |
| Core capital (leverage) ratio | 9.3669% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2471% | 2,733 |
| Memoranda: | ||
| Average total assets | $165,559,250 | 3,329 |
| Average earning assets | $156,798,000 | 3,293 |
| Average equity | $15,158,750 | 3,396 |
| Average total loans | $126,951,000 | 2,858 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 332 |
| Cost of funding earning assets | 0.2095% | 2,792 |
| Net interest margin | 4.3574% | 247 |
| Noninterest income to average assets | 0.7118% | 1,290 |
| Noninterest expense to average assets | 3.0834% | 749 |
| Loan and lease loss provision to assets | 0.0629% | 1,472 |
| Net operating income to assets | 1.2865% | 1,176 |
| Return on assets (ROA) | 1.2865% | 1,159 |
| Pretax return on assets | 1.6948% | 762 |
| Return on Equity (ROE) | 14.7783% | 941 |
| Retained earnings to average equity (ytd only) | 4.4174% | 2,916 |
| Net charge-offs to loans | 0.0019% | 2,039 |
| Credit loss provision to net charge-offs | 4,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 1,257.0000% | 97 |
| Efficiency ratio | 63.6915% | 2,808 |
| Assets per employee ($millions) | 6.1849% | 2,577 |
| Cash dividends to net income (ytd only)* | 70.1087% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,579 |
| Loan loss allowance to noncurrent loans | 314.8225% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 1,596 |
| Noncurrent loans to loans | 0.4587% | 1,740 |
| Net loans and leases to total assets | 75.6399% | 766 |
| Net loans and leases to deposits | 83.2398% | 1,172 |
| Net loans and leases to core deposits | 83.2398% | 1,499 |
| Total domestic deposits to total assets | 90.8699% | 1,293 |
| Equity capital to assets | 8.9162% | 2,433 |
| Core capital (leverage) ratio | 9.2905% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1427% | 2,436 |
| Memoranda: | ||
| Average total assets | $143,023,000 | 3,574 |
| Average earning assets | $135,539,000 | 3,540 |
| Average equity | $12,450,667 | 3,739 |
| Average total loans | $106,561,667 | 3,107 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 386 |
| Cost of funding earning assets | 0.2044% | 2,740 |
| Net interest margin | 4.1852% | 293 |
| Noninterest income to average assets | 0.6225% | 1,593 |
| Noninterest expense to average assets | 3.0826% | 703 |
| Loan and lease loss provision to assets | 0.0628% | 1,287 |
| Net operating income to assets | 1.1031% | 1,521 |
| Return on assets (ROA) | 1.1031% | 1,508 |
| Pretax return on assets | 1.4471% | 1,137 |
| Return on Equity (ROE) | 12.8152% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.9952% | 2,256 |
| Net charge-offs to loans | 0.0037% | 1,638 |
| Credit loss provision to net charge-offs | 2,300.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 553.0000% | 182 |
| Efficiency ratio | 67.1225% | 2,617 |
| Assets per employee ($millions) | 6.3320% | 2,523 |
| Cash dividends to net income (ytd only)* | 53.2178% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,915 |
| Loan loss allowance to noncurrent loans | 307.4534% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 1,626 |
| Noncurrent loans to loans | 0.4542% | 1,888 |
| Net loans and leases to total assets | 72.0014% | 834 |
| Net loans and leases to deposits | 78.9293% | 1,216 |
| Net loans and leases to core deposits | 78.9293% | 1,557 |
| Total domestic deposits to total assets | 91.2226% | 925 |
| Equity capital to assets | 8.5377% | 3,123 |
| Core capital (leverage) ratio | 8.8128% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3720% | 2,455 |
| Memoranda: | ||
| Average total assets | $146,501,000 | 3,545 |
| Average earning assets | $138,966,000 | 3,510 |
| Average equity | $12,610,000 | 3,798 |
| Average total loans | $107,628,000 | 3,093 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 405 |
| Cost of funding earning assets | 0.2484% | 2,950 |
| Net interest margin | 4.4764% | 288 |
| Noninterest income to average assets | 0.8321% | 1,371 |
| Noninterest expense to average assets | 3.0409% | 929 |
| Loan and lease loss provision to assets | 0.0837% | 1,467 |
| Net operating income to assets | 1.4584% | 1,113 |
| Return on assets (ROA) | 1.4584% | 1,183 |
| Pretax return on assets | 1.9556% | 662 |
| Return on Equity (ROE) | 17.0380% | 586 |
| Retained earnings to average equity (ytd only) | 10.8046% | 740 |
| Net charge-offs to loans | 0.0035% | 2,487 |
| Credit loss provision to net charge-offs | 3,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 731.0000% | 201 |
| Efficiency ratio | 59.8572% | 3,173 |
| Assets per employee ($millions) | 5.8946% | 2,868 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,166 |
| Loan loss allowance to noncurrent loans | 178.9731% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 1,109 |
| Noncurrent loans to loans | 0.7511% | 1,356 |
| Net loans and leases to total assets | 72.9117% | 763 |
| Net loans and leases to deposits | 79.9945% | 1,214 |
| Net loans and leases to core deposits | 79.9945% | 1,592 |
| Total domestic deposits to total assets | 91.1459% | 437 |
| Equity capital to assets | 8.6764% | 3,912 |
| Core capital (leverage) ratio | 9.2489% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4930% | 2,454 |
| Memoranda: | ||
| Average total assets | $143,380,800 | 3,553 |
| Average earning assets | $136,068,800 | 3,521 |
| Average equity | $12,272,600 | 3,904 |
| Average total loans | $113,657,400 | 3,015 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8303% | 390 |
| Cost of funding earning assets | 0.2678% | 2,925 |
| Net interest margin | 4.5625% | 283 |
| Noninterest income to average assets | 0.8961% | 1,268 |
| Noninterest expense to average assets | 2.9834% | 1,004 |
| Loan and lease loss provision to assets | 0.0843% | 1,417 |
| Net operating income to assets | 1.5975% | 1,041 |
| Return on assets (ROA) | 1.5975% | 1,086 |
| Pretax return on assets | 2.1519% | 607 |
| Return on Equity (ROE) | 18.7299% | 542 |
| Retained earnings to average equity (ytd only) | 13.4052% | 582 |
| Net charge-offs to loans | 0.0070% | 2,063 |
| Credit loss provision to net charge-offs | 1,500.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 398.0000% | 353 |
| Efficiency ratio | 57.1582% | 3,398 |
| Assets per employee ($millions) | 5.3829% | 3,316 |
| Cash dividends to net income (ytd only)* | 28.4291% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,405 |
| Loan loss allowance to noncurrent loans | 289.2929% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 1,819 |
| Noncurrent loans to loans | 0.4556% | 2,198 |
| Net loans and leases to total assets | 79.6742% | 309 |
| Net loans and leases to deposits | 88.2578% | 703 |
| Net loans and leases to core deposits | 88.2578% | 1,136 |
| Total domestic deposits to total assets | 90.2744% | 644 |
| Equity capital to assets | 9.4729% | 3,400 |
| Core capital (leverage) ratio | 9.0597% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6913% | 2,474 |
| Memoranda: | ||
| Average total assets | $142,384,500 | 3,599 |
| Average earning assets | $134,923,000 | 3,568 |
| Average equity | $12,144,250 | 3,968 |
| Average total loans | $114,844,000 | 3,040 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 565 |
| Cost of funding earning assets | 0.2929% | 2,844 |
| Net interest margin | 4.3706% | 433 |
| Noninterest income to average assets | 0.8470% | 1,398 |
| Noninterest expense to average assets | 2.9520% | 1,065 |
| Loan and lease loss provision to assets | 0.0828% | 1,476 |
| Net operating income to assets | 1.4608% | 1,397 |
| Return on assets (ROA) | 1.4608% | 1,459 |
| Pretax return on assets | 1.9491% | 922 |
| Return on Equity (ROE) | 17.7342% | 684 |
| Retained earnings to average equity (ytd only) | 12.6266% | 786 |
| Net charge-offs to loans | 0.0103% | 1,767 |
| Credit loss provision to net charge-offs | 1,000.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 245.5000% | 440 |
| Efficiency ratio | 59.2306% | 3,123 |
| Assets per employee ($millions) | 5.9158% | 2,700 |
| Cash dividends to net income (ytd only)* | 28.8008% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,576 |
| Loan loss allowance to noncurrent loans | 253.5262% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 1,901 |
| Noncurrent loans to loans | 0.5017% | 2,175 |
| Net loans and leases to total assets | 76.6437% | 533 |
| Net loans and leases to deposits | 84.0702% | 1,065 |
| Net loans and leases to core deposits | 89.4333% | 1,178 |
| Total domestic deposits to total assets | 91.1663% | 322 |
| Equity capital to assets | 8.6520% | 4,084 |
| Core capital (leverage) ratio | 8.7728% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7539% | 2,453 |
| Memoranda: | ||
| Average total assets | $144,988,333 | 3,576 |
| Average earning assets | $137,235,000 | 3,548 |
| Average equity | $11,943,000 | 3,995 |
| Average total loans | $116,908,000 | 3,037 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 763 |
| Cost of funding earning assets | 0.3471% | 2,543 |
| Net interest margin | 4.1651% | 642 |
| Noninterest income to average assets | 0.9721% | 1,185 |
| Noninterest expense to average assets | 2.9326% | 1,107 |
| Loan and lease loss provision to assets | 0.0819% | 1,583 |
| Net operating income to assets | 1.4089% | 1,547 |
| Return on assets (ROA) | 1.4089% | 1,619 |
| Pretax return on assets | 1.8895% | 1,136 |
| Return on Equity (ROE) | 17.5324% | 777 |
| Retained earnings to average equity (ytd only) | 14.9841% | 627 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7996% | 3,060 |
| Assets per employee ($millions) | 6.3273% | 2,312 |
| Cash dividends to net income (ytd only)* | 14.5349% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 3,129 |
| Loan loss allowance to noncurrent loans | 485.2113% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 2,354 |
| Noncurrent loans to loans | 0.2399% | 3,241 |
| Net loans and leases to total assets | 80.4058% | 315 |
| Net loans and leases to deposits | 93.8311% | 502 |
| Net loans and leases to core deposits | 100.1489% | 708 |
| Total domestic deposits to total assets | 85.6921% | 2,858 |
| Equity capital to assets | 8.1991% | 4,364 |
| Core capital (leverage) ratio | 8.5999% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5246% | 2,481 |
| Memoranda: | ||
| Average total assets | $146,493,000 | 3,560 |
| Average earning assets | $138,291,500 | 3,534 |
| Average equity | $11,772,500 | 4,021 |
| Average total loans | $120,252,000 | 3,014 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 686 |
| Cost of funding earning assets | 0.6200% | 2,183 |
| Net interest margin | 4.2182% | 610 |
| Noninterest income to average assets | 0.7952% | 1,545 |
| Noninterest expense to average assets | 2.9007% | 1,680 |
| Loan and lease loss provision to assets | 0.2719% | 1,419 |
| Net operating income to assets | 1.1979% | 1,563 |
| Return on assets (ROA) | 1.1979% | 1,665 |
| Pretax return on assets | 1.5977% | 1,079 |
| Return on Equity (ROE) | 14.6236% | 700 |
| Retained earnings to average equity (ytd only) | 7.8501% | 1,098 |
| Net charge-offs to loans | 0.0061% | 3,126 |
| Credit loss provision to net charge-offs | 5,285.7143% | 202 |
| Earnings coverage of net charge-offs (x) | 363.4286% | 299 |
| Efficiency ratio | 60.8073% | 3,349 |
| Assets per employee ($millions) | 5.8983% | 2,434 |
| Cash dividends to net income (ytd only)* | 46.3190% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 3,445 |
| Loan loss allowance to noncurrent loans | 348.3204% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 2,070 |
| Noncurrent loans to loans | 0.3169% | 3,067 |
| Net loans and leases to total assets | 81.8979% | 300 |
| Net loans and leases to deposits | 94.7563% | 616 |
| Net loans and leases to core deposits | 101.2009% | 849 |
| Total domestic deposits to total assets | 86.4300% | 2,176 |
| Equity capital to assets | 7.8755% | 4,752 |
| Core capital (leverage) ratio | 8.3147% | 4,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9020% | 2,948 |
| Memoranda: | ||
| Average total assets | $136,070,600 | 3,556 |
| Average earning assets | $128,228,600 | 3,529 |
| Average equity | $11,146,400 | 4,060 |
| Average total loans | $114,341,000 | 3,040 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 366 |
| Cost of funding earning assets | 0.6834% | 2,130 |
| Net interest margin | 4.5830% | 315 |
| Noninterest income to average assets | 0.7886% | 1,537 |
| Noninterest expense to average assets | 2.8553% | 1,813 |
| Loan and lease loss provision to assets | 0.3400% | 1,133 |
| Net operating income to assets | 1.4311% | 1,033 |
| Return on assets (ROA) | 1.4311% | 1,121 |
| Pretax return on assets | 1.9155% | 609 |
| Return on Equity (ROE) | 17.2861% | 417 |
| Retained earnings to average equity (ytd only) | 10.9398% | 587 |
| Net charge-offs to loans | 0.0083% | 2,816 |
| Credit loss provision to net charge-offs | 4,857.1429% | 236 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 335 |
| Efficiency ratio | 55.8645% | 3,934 |
| Assets per employee ($millions) | 6.5737% | 1,772 |
| Cash dividends to net income (ytd only)* | 36.7133% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,522 |
| Loan loss allowance to noncurrent loans | 421.0863% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 2,271 |
| Noncurrent loans to loans | 0.2467% | 3,419 |
| Net loans and leases to total assets | 83.0538% | 360 |
| Net loans and leases to deposits | 97.4265% | 664 |
| Net loans and leases to core deposits | 103.9735% | 925 |
| Total domestic deposits to total assets | 85.2476% | 2,338 |
| Equity capital to assets | 7.6636% | 4,819 |
| Core capital (leverage) ratio | 8.2845% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7167% | 2,985 |
| Memoranda: | ||
| Average total assets | $133,223,750 | 3,575 |
| Average earning assets | $125,649,500 | 3,544 |
| Average equity | $11,029,750 | 4,078 |
| Average total loans | $112,398,000 | 3,075 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7855% | 194 |
| Cost of funding earning assets | 0.7679% | 2,005 |
| Net interest margin | 5.0176% | 200 |
| Noninterest income to average assets | 0.7372% | 1,615 |
| Noninterest expense to average assets | 2.9395% | 1,738 |
| Loan and lease loss provision to assets | 0.4873% | 747 |
| Net operating income to assets | 1.5160% | 900 |
| Return on assets (ROA) | 1.5421% | 931 |
| Pretax return on assets | 2.0576% | 489 |
| Return on Equity (ROE) | 18.0930% | 357 |
| Retained earnings to average equity (ytd only) | 10.1623% | 761 |
| Net charge-offs to loans | 0.0130% | 2,499 |
| Credit loss provision to net charge-offs | 4,428.5714% | 263 |
| Earnings coverage of net charge-offs (x) | 228.2857% | 397 |
| Efficiency ratio | 53.9216% | 4,188 |
| Assets per employee ($millions) | 6.5201% | 1,762 |
| Cash dividends to net income (ytd only)* | 43.8328% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,475 |
| Loan loss allowance to noncurrent loans | 719.5531% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 2,705 |
| Noncurrent loans to loans | 0.1417% | 3,892 |
| Net loans and leases to total assets | 83.3972% | 305 |
| Net loans and leases to deposits | 100.0840% | 548 |
| Net loans and leases to core deposits | 107.6995% | 831 |
| Total domestic deposits to total assets | 83.3272% | 2,987 |
| Equity capital to assets | 7.4632% | 4,888 |
| Core capital (leverage) ratio | 8.1421% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8763% | 3,173 |
| Memoranda: | ||
| Average total assets | $127,233,000 | 3,629 |
| Average earning assets | $119,540,333 | 3,604 |
| Average equity | $10,844,000 | 4,108 |
| Average total loans | $107,566,667 | 3,131 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 810 |
| Cost of funding earning assets | 0.8779% | 1,979 |
| Net interest margin | 4.2131% | 896 |
| Noninterest income to average assets | 0.7112% | 1,613 |
| Noninterest expense to average assets | 3.1001% | 1,638 |
| Loan and lease loss provision to assets | 0.1036% | 2,386 |
| Net operating income to assets | 1.1185% | 1,790 |
| Return on assets (ROA) | 1.1185% | 1,884 |
| Pretax return on assets | 1.4672% | 1,394 |
| Return on Equity (ROE) | 12.1462% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.2727% | 1,453 |
| Net charge-offs to loans | 0.0041% | 2,432 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 141 |
| Efficiency ratio | 66.3710% | 2,900 |
| Assets per employee ($millions) | 4.7818% | 2,893 |
| Cash dividends to net income (ytd only)* | 40.1235% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,489 |
| Loan loss allowance to noncurrent loans | 626.5432% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 2,483 |
| Noncurrent loans to loans | 0.1661% | 3,868 |
| Net loans and leases to total assets | 84.1231% | 256 |
| Net loans and leases to deposits | 93.7921% | 1,098 |
| Net loans and leases to core deposits | 94.9152% | 1,891 |
| Total domestic deposits to total assets | 89.6910% | 419 |
| Equity capital to assets | 9.3130% | 4,381 |
| Core capital (leverage) ratio | 9.0436% | 4,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6139% | 3,369 |
| Memoranda: | ||
| Average total assets | $115,868,000 | 3,763 |
| Average earning assets | $108,899,500 | 3,729 |
| Average equity | $10,670,000 | 4,147 |
| Average total loans | $98,173,500 | 3,247 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1639% | 1,078 |
| Cost of funding earning assets | 1.0771% | 1,413 |
| Net interest margin | 4.0869% | 1,578 |
| Noninterest income to average assets | 0.9243% | 1,130 |
| Noninterest expense to average assets | 3.2007% | 1,516 |
| Loan and lease loss provision to assets | 0.1008% | 2,041 |
| Net operating income to assets | 1.0966% | 2,459 |
| Return on assets (ROA) | 1.0966% | 2,557 |
| Pretax return on assets | 1.4394% | 2,013 |
| Return on Equity (ROE) | 12.7899% | 1,240 |
| Retained earnings to average equity (ytd only) | 2.9892% | 3,533 |
| Net charge-offs to loans | 0.1176% | 1,570 |
| Credit loss provision to net charge-offs | 106.1947% | 2,337 |
| Earnings coverage of net charge-offs (x) | 16.2212% | 2,187 |
| Efficiency ratio | 67.5115% | 2,528 |
| Assets per employee ($millions) | 4.8738% | 2,746 |
| Cash dividends to net income (ytd only)* | 76.6284% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,539 |
| Loan loss allowance to noncurrent loans | 1,349.3151% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 2,712 |
| Noncurrent loans to loans | 0.0739% | 4,233 |
| Net loans and leases to total assets | 83.6132% | 357 |
| Net loans and leases to deposits | 95.3674% | 1,008 |
| Net loans and leases to core deposits | 98.9749% | 1,653 |
| Total domestic deposits to total assets | 87.6748% | 1,287 |
| Equity capital to assets | 9.1065% | 4,634 |
| Core capital (leverage) ratio | 8.8528% | 4,637 |
| Tier 1 risk-based capital ratio | 9.6360% | 5,153 |
| Total risk-based capital ratio | 10.5542% | 5,156 |
| Memoranda: | ||
| Average total assets | $119,004,000 | 3,720 |
| Average earning assets | $111,136,200 | 3,689 |
| Average equity | $10,203,400 | 4,216 |
| Average total loans | $96,055,000 | 3,280 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 1,183 |
| Cost of funding earning assets | 1.1040% | 1,335 |
| Net interest margin | 4.0345% | 1,818 |
| Noninterest income to average assets | 0.9271% | 1,086 |
| Noninterest expense to average assets | 3.1650% | 1,540 |
| Loan and lease loss provision to assets | 0.1004% | 1,912 |
| Net operating income to assets | 1.0822% | 2,645 |
| Return on assets (ROA) | 1.0822% | 2,739 |
| Pretax return on assets | 1.4246% | 2,209 |
| Return on Equity (ROE) | 12.8161% | 1,348 |
| Retained earnings to average equity (ytd only) | 2.3782% | 4,146 |
| Net charge-offs to loans | 0.0014% | 3,402 |
| Credit loss provision to net charge-offs | 9,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 1,370.3910% | 58 |
| Efficiency ratio | 67.4833% | 2,503 |
| Assets per employee ($millions) | 5.1625% | 2,382 |
| Cash dividends to net income (ytd only)* | 81.4436% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,110 |
| Loan loss allowance to noncurrent loans | 570.5882% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 2,446 |
| Noncurrent loans to loans | 0.1900% | 3,856 |
| Net loans and leases to total assets | 78.5861% | 1,049 |
| Net loans and leases to deposits | 86.4488% | 2,141 |
| Net loans and leases to core deposits | 89.7361% | 2,565 |
| Total domestic deposits to total assets | 90.9048% | 111 |
| Equity capital to assets | 8.4761% | 5,015 |
| Core capital (leverage) ratio | 8.2248% | 5,057 |
| Tier 1 risk-based capital ratio | 9.6028% | 5,226 |
| Total risk-based capital ratio | 10.6069% | 5,233 |
| Memoranda: | ||
| Average total assets | $119,512,000 | 3,751 |
| Average earning assets | $111,469,750 | 3,724 |
| Average equity | $10,091,250 | 4,272 |
| Average total loans | $95,371,500 | 3,330 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 1,325 |
| Cost of funding earning assets | 1.0906% | 1,337 |
| Net interest margin | 3.9680% | 2,023 |
| Noninterest income to average assets | 0.9386% | 984 |
| Noninterest expense to average assets | 3.2461% | 1,413 |
| Loan and lease loss provision to assets | 0.1017% | 1,840 |
| Net operating income to assets | 0.9759% | 3,004 |
| Return on assets (ROA) | 0.9759% | 3,075 |
| Pretax return on assets | 1.2707% | 2,669 |
| Return on Equity (ROE) | 11.5729% | 1,754 |
| Retained earnings to average equity (ytd only) | 2.8329% | 3,791 |
| Net charge-offs to loans | 0.0021% | 3,103 |
| Credit loss provision to net charge-offs | 6,000.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 810.0000% | 93 |
| Efficiency ratio | 70.2861% | 2,175 |
| Assets per employee ($millions) | 5.1360% | 2,319 |
| Cash dividends to net income (ytd only)* | 75.5208% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,438 |
| Loan loss allowance to noncurrent loans | 2,033.3333% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 2,722 |
| Noncurrent loans to loans | 0.0507% | 4,458 |
| Net loans and leases to total assets | 80.7650% | 762 |
| Net loans and leases to deposits | 88.6778% | 1,915 |
| Net loans and leases to core deposits | 90.9851% | 2,510 |
| Total domestic deposits to total assets | 91.0769% | 93 |
| Equity capital to assets | 8.4760% | 5,050 |
| Core capital (leverage) ratio | 8.5759% | 4,925 |
| Tier 1 risk-based capital ratio | 9.5422% | 5,269 |
| Total risk-based capital ratio | 10.5136% | 5,281 |
| Memoranda: | ||
| Average total assets | $118,049,000 | 3,794 |
| Average earning assets | $109,477,000 | 3,782 |
| Average equity | $9,954,330 | 4,305 |
| Average total loans | $94,350,000 | 3,368 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 1,459 |
| Cost of funding earning assets | 1.0277% | 1,452 |
| Net interest margin | 3.9271% | 2,105 |
| Noninterest income to average assets | 1.1330% | 631 |
| Noninterest expense to average assets | 3.4823% | 992 |
| Loan and lease loss provision to assets | 0.1039% | 1,701 |
| Net operating income to assets | 0.9044% | 3,217 |
| Return on assets (ROA) | 0.9044% | 3,268 |
| Pretax return on assets | 1.1746% | 2,899 |
| Return on Equity (ROE) | 10.7546% | 2,048 |
| Retained earnings to average equity (ytd only) | 10.7546% | 860 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1441% | 1,858 |
| Assets per employee ($millions) | 4.7158% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 3,060 |
| Loan loss allowance to noncurrent loans | 2,652.6316% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.4606% | 2,758 |
| Noncurrent loans to loans | 0.0419% | 4,576 |
| Net loans and leases to total assets | 76.0925% | 1,463 |
| Net loans and leases to deposits | 84.9752% | 2,261 |
| Net loans and leases to core deposits | 87.6194% | 2,727 |
| Total domestic deposits to total assets | 89.5467% | 622 |
| Equity capital to assets | 8.3277% | 5,073 |
| Core capital (leverage) ratio | 8.5760% | 4,962 |
| Tier 1 risk-based capital ratio | 9.7307% | 5,314 |
| Total risk-based capital ratio | 10.7474% | 5,317 |
| Memoranda: | ||
| Average total assets | $115,441,000 | 3,869 |
| Average earning assets | $106,643,000 | 3,867 |
| Average equity | $9,707,500 | 4,370 |
| Average total loans | $91,229,000 | 3,468 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 976 |
| Cost of funding earning assets | 0.7765% | 1,650 |
| Net interest margin | 4.2570% | 1,255 |
| Noninterest income to average assets | 0.8310% | 1,368 |
| Noninterest expense to average assets | 3.3204% | 1,273 |
| Loan and lease loss provision to assets | 0.1043% | 2,105 |
| Net operating income to assets | 1.1308% | 2,468 |
| Return on assets (ROA) | 1.1308% | 2,468 |
| Pretax return on assets | 1.3568% | 2,286 |
| Return on Equity (ROE) | 13.1099% | 1,304 |
| Retained earnings to average equity (ytd only) | 0.2116% | 4,925 |
| Net charge-offs to loans | 0.0461% | 2,511 |
| Credit loss provision to net charge-offs | 272.7273% | 1,103 |
| Earnings coverage of net charge-offs (x) | 38.2045% | 1,357 |
| Efficiency ratio | 69.4419% | 2,301 |
| Assets per employee ($millions) | 4.5194% | 3,140 |
| Cash dividends to net income (ytd only)* | 98.3859% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,289 |
| Loan loss allowance to noncurrent loans | 2,222.7273% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.4886% | 2,618 |
| Noncurrent loans to loans | 0.0480% | 4,527 |
| Net loans and leases to total assets | 80.3303% | 890 |
| Net loans and leases to deposits | 90.9466% | 1,674 |
| Net loans and leases to core deposits | 97.3486% | 1,936 |
| Total domestic deposits to total assets | 88.3269% | 1,150 |
| Equity capital to assets | 8.4940% | 4,938 |
| Core capital (leverage) ratio | 8.2090% | 5,167 |
| Tier 1 risk-based capital ratio | 9.2375% | 5,377 |
| Total risk-based capital ratio | 10.1826% | 5,380 |
| Memoranda: | ||
| Average total assets | $115,048,000 | 3,872 |
| Average earning assets | $106,765,000 | 3,860 |
| Average equity | $9,923,800 | 4,309 |
| Average total loans | $95,404,200 | 3,379 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 1,018 |
| Cost of funding earning assets | 0.7052% | 1,817 |
| Net interest margin | 4.2550% | 1,223 |
| Noninterest income to average assets | 0.7857% | 1,520 |
| Noninterest expense to average assets | 3.3285% | 1,241 |
| Loan and lease loss provision to assets | 0.1038% | 1,931 |
| Net operating income to assets | 1.1480% | 2,444 |
| Return on assets (ROA) | 1.1480% | 2,456 |
| Pretax return on assets | 1.3141% | 2,562 |
| Return on Equity (ROE) | 13.2590% | 1,344 |
| Retained earnings to average equity (ytd only) | 10.5939% | 747 |
| Net charge-offs to loans | 0.0609% | 1,950 |
| Credit loss provision to net charge-offs | 204.5455% | 1,352 |
| Earnings coverage of net charge-offs (x) | 27.9296% | 1,686 |
| Efficiency ratio | 70.1264% | 2,171 |
| Assets per employee ($millions) | 4.7582% | 2,778 |
| Cash dividends to net income (ytd only)* | 20.1006% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 4,029 |
| Loan loss allowance to noncurrent loans | 911.5385% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 2,781 |
| Noncurrent loans to loans | 0.1049% | 4,413 |
| Net loans and leases to total assets | 82.5255% | 627 |
| Net loans and leases to deposits | 97.5244% | 996 |
| Net loans and leases to core deposits | 129.7948% | 337 |
| Total domestic deposits to total assets | 84.6204% | 2,754 |
| Equity capital to assets | 8.7478% | 4,766 |
| Core capital (leverage) ratio | 8.8729% | 4,828 |
| Tier 1 risk-based capital ratio | 8.8584% | 5,458 |
| Total risk-based capital ratio | 9.6706% | 5,460 |
| Memoranda: | ||
| Average total assets | $115,563,500 | 3,900 |
| Average earning assets | $107,573,500 | 3,886 |
| Average equity | $10,005,500 | 4,332 |
| Average total loans | $96,320,250 | 3,400 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 1,266 |
| Cost of funding earning assets | 0.6775% | 1,759 |
| Net interest margin | 4.1159% | 1,506 |
| Noninterest income to average assets | 0.7480% | 1,657 |
| Noninterest expense to average assets | 3.3714% | 1,177 |
| Loan and lease loss provision to assets | 0.1049% | 1,857 |
| Net operating income to assets | 1.1011% | 2,577 |
| Return on assets (ROA) | 1.1011% | 2,584 |
| Pretax return on assets | 1.1046% | 3,301 |
| Return on Equity (ROE) | 12.7634% | 1,456 |
| Retained earnings to average equity (ytd only) | 9.7245% | 1,003 |
| Net charge-offs to loans | 0.0881% | 1,462 |
| Credit loss provision to net charge-offs | 142.8571% | 1,621 |
| Earnings coverage of net charge-offs (x) | 16.4762% | 1,997 |
| Efficiency ratio | 73.5979% | 1,776 |
| Assets per employee ($millions) | 4.6230% | 2,938 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9560% | 4,085 |
| Loan loss allowance to noncurrent loans | 116.1616% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.2261% | 1,173 |
| Noncurrent loans to loans | 0.8230% | 2,079 |
| Net loans and leases to total assets | 82.4692% | 659 |
| Net loans and leases to deposits | 95.2949% | 1,218 |
| Net loans and leases to core deposits | 127.5278% | 379 |
| Total domestic deposits to total assets | 86.5411% | 2,040 |
| Equity capital to assets | 8.7182% | 4,781 |
| Core capital (leverage) ratio | 8.8762% | 4,813 |
| Tier 1 risk-based capital ratio | 10.1451% | 5,388 |
| Total risk-based capital ratio | 11.0747% | 5,416 |
| Memoranda: | ||
| Average total assets | $114,432,670 | 3,946 |
| Average earning assets | $106,562,330 | 3,936 |
| Average equity | $9,872,000 | 4,395 |
| Average total loans | $95,388,000 | 3,419 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 1,397 |
| Cost of funding earning assets | 0.6739% | 1,574 |
| Net interest margin | 3.9910% | 1,754 |
| Noninterest income to average assets | 0.6812% | 1,907 |
| Noninterest expense to average assets | 3.3461% | 1,258 |
| Loan and lease loss provision to assets | 0.1053% | 1,763 |
| Net operating income to assets | 0.9445% | 3,093 |
| Return on assets (ROA) | 0.9445% | 3,110 |
| Pretax return on assets | 0.9515% | 3,699 |
| Return on Equity (ROE) | 10.9461% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.9461% | 911 |
| Net charge-offs to loans | 0.1727% | 839 |
| Credit loss provision to net charge-offs | 73.1707% | 1,802 |
| Earnings coverage of net charge-offs (x) | 7.3415% | 2,094 |
| Efficiency ratio | 75.9968% | 1,595 |
| Assets per employee ($millions) | 4.5063% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,242 |
| Loan loss allowance to noncurrent loans | 102.5316% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4708% | 958 |
| Noncurrent loans to loans | 0.9217% | 1,975 |
| Net loans and leases to total assets | 82.8976% | 548 |
| Net loans and leases to deposits | 92.1451% | 1,440 |
| Net loans and leases to core deposits | 92.4004% | 2,269 |
| Total domestic deposits to total assets | 89.9642% | 670 |
| Equity capital to assets | 8.8011% | 4,740 |
| Core capital (leverage) ratio | 8.6606% | 5,010 |
| Tier 1 risk-based capital ratio | 10.3844% | 5,389 |
| Total risk-based capital ratio | 11.3196% | 5,419 |
| Memoranda: | ||
| Average total assets | $113,922,000 | 3,995 |
| Average earning assets | $106,239,500 | 3,987 |
| Average equity | $9,830,000 | 4,452 |
| Average total loans | $94,965,500 | 3,447 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,304 |
| Cost of funding earning assets | 0.4363% | 2,905 |
| Net interest margin | 4.2145% | 1,160 |
| Noninterest income to average assets | 0.8685% | 1,360 |
| Noninterest expense to average assets | 3.2603% | 1,459 |
| Loan and lease loss provision to assets | 0.1324% | 1,735 |
| Net operating income to assets | 1.3836% | 1,050 |
| Return on assets (ROA) | 1.3836% | 1,069 |
| Pretax return on assets | 1.3836% | 2,043 |
| Return on Equity (ROE) | 16.0141% | 481 |
| Retained earnings to average equity (ytd only) | 9.1645% | 478 |
| Net charge-offs to loans | 0.4399% | 553 |
| Credit loss provision to net charge-offs | 36.7089% | 3,474 |
| Earnings coverage of net charge-offs (x) | 4.2025% | 3,504 |
| Efficiency ratio | 68.2600% | 2,844 |
| Assets per employee ($millions) | 4.6075% | 3,016 |
| Cash dividends to net income (ytd only)* | 42.7723% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,255 |
| Loan loss allowance to noncurrent loans | 101.3483% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.4759% | 937 |
| Noncurrent loans to loans | 0.9305% | 1,917 |
| Net loans and leases to total assets | 82.2558% | 647 |
| Net loans and leases to deposits | 95.6664% | 1,115 |
| Net loans and leases to core deposits | 95.6664% | 2,060 |
| Total domestic deposits to total assets | 85.9819% | 2,445 |
| Equity capital to assets | 8.4602% | 5,151 |
| Core capital (leverage) ratio | 8.5618% | 5,083 |
| Tier 1 risk-based capital ratio | 9.9692% | 5,542 |
| Total risk-based capital ratio | 10.9004% | 5,562 |
| Memoranda: | ||
| Average total assets | $109,498,200 | 4,067 |
| Average earning assets | $101,529,400 | 4,072 |
| Average equity | $9,460,400 | 4,531 |
| Average total loans | $89,787,000 | 3,529 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,220 |
| Cost of funding earning assets | 0.4013% | 3,178 |
| Net interest margin | 4.2623% | 1,019 |
| Noninterest income to average assets | 0.8821% | 1,326 |
| Noninterest expense to average assets | 3.2754% | 1,400 |
| Loan and lease loss provision to assets | 0.1197% | 1,813 |
| Net operating income to assets | 1.4311% | 1,022 |
| Return on assets (ROA) | 1.4311% | 1,041 |
| Pretax return on assets | 1.4311% | 2,010 |
| Return on Equity (ROE) | 16.4723% | 482 |
| Retained earnings to average equity (ytd only) | 13.3056% | 193 |
| Net charge-offs to loans | 0.5918% | 331 |
| Credit loss provision to net charge-offs | 24.7449% | 3,124 |
| Earnings coverage of net charge-offs (x) | 3.2067% | 3,369 |
| Efficiency ratio | 67.8681% | 2,893 |
| Assets per employee ($millions) | 4.4601% | 3,223 |
| Cash dividends to net income (ytd only)* | 19.2244% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 4,353 |
| Loan loss allowance to noncurrent loans | 119.5258% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.1650% | 1,417 |
| Noncurrent loans to loans | 0.7894% | 2,386 |
| Net loans and leases to total assets | 80.6866% | 885 |
| Net loans and leases to deposits | 92.6207% | 1,479 |
| Net loans and leases to core deposits | 92.6207% | 2,384 |
| Total domestic deposits to total assets | 87.1151% | 1,819 |
| Equity capital to assets | 8.8814% | 5,012 |
| Core capital (leverage) ratio | 8.8458% | 4,928 |
| Tier 1 risk-based capital ratio | 10.6180% | 5,411 |
| Total risk-based capital ratio | 11.5532% | 5,455 |
| Memoranda: | ||
| Average total assets | $108,076,000 | 4,137 |
| Average earning assets | $100,006,500 | 4,139 |
| Average equity | $9,389,250 | 4,590 |
| Average total loans | $88,321,250 | 3,590 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 1,295 |
| Cost of funding earning assets | 0.3860% | 3,221 |
| Net interest margin | 4.1953% | 1,087 |
| Noninterest income to average assets | 0.7650% | 1,707 |
| Noninterest expense to average assets | 3.3385% | 1,296 |
| Loan and lease loss provision to assets | 0.0898% | 2,188 |
| Net operating income to assets | 1.2194% | 1,538 |
| Return on assets (ROA) | 1.2194% | 1,576 |
| Pretax return on assets | 1.2194% | 2,702 |
| Return on Equity (ROE) | 14.1462% | 791 |
| Retained earnings to average equity (ytd only) | 11.3691% | 386 |
| Net charge-offs to loans | 0.8961% | 218 |
| Credit loss provision to net charge-offs | 12.2449% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 3,245 |
| Efficiency ratio | 71.8310% | 2,371 |
| Assets per employee ($millions) | 4.3024% | 3,428 |
| Cash dividends to net income (ytd only)* | 19.6319% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,540 |
| Loan loss allowance to noncurrent loans | 51.1069% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.0073% | 634 |
| Noncurrent loans to loans | 1.8061% | 997 |
| Net loans and leases to total assets | 80.6330% | 863 |
| Net loans and leases to deposits | 88.8743% | 1,879 |
| Net loans and leases to core deposits | 88.8743% | 2,627 |
| Total domestic deposits to total assets | 90.7269% | 291 |
| Equity capital to assets | 8.8305% | 5,047 |
| Core capital (leverage) ratio | 8.8632% | 4,884 |
| Tier 1 risk-based capital ratio | 10.2235% | 5,569 |
| Total risk-based capital ratio | 11.1094% | 5,628 |
| Memoranda: | ||
| Average total assets | $106,933,670 | 4,188 |
| Average earning assets | $98,967,000 | 4,182 |
| Average equity | $9,218,000 | 4,645 |
| Average total loans | $87,486,670 | 3,627 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 955 |
| Cost of funding earning assets | 0.3815% | 3,193 |
| Net interest margin | 4.3099% | 764 |
| Noninterest income to average assets | 0.6828% | 2,030 |
| Noninterest expense to average assets | 3.2939% | 1,404 |
| Loan and lease loss provision to assets | 0.0900% | 2,041 |
| Net operating income to assets | 1.2830% | 1,284 |
| Return on assets (ROA) | 1.2830% | 1,318 |
| Pretax return on assets | 1.2830% | 2,287 |
| Return on Equity (ROE) | 15.0694% | 630 |
| Retained earnings to average equity (ytd only) | 15.0694% | 228 |
| Net charge-offs to loans | 1.2211% | 142 |
| Credit loss provision to net charge-offs | 8.9888% | 2,232 |
| Earnings coverage of net charge-offs (x) | 1.3708% | 2,739 |
| Efficiency ratio | 70.5788% | 2,806 |
| Assets per employee ($millions) | 4.1518% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,950 |
| Loan loss allowance to noncurrent loans | 76.5796% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.9201% | 705 |
| Noncurrent loans to loans | 1.3790% | 1,462 |
| Net loans and leases to total assets | 82.0504% | 562 |
| Net loans and leases to deposits | 90.5163% | 1,476 |
| Net loans and leases to core deposits | 90.5163% | 2,311 |
| Total domestic deposits to total assets | 90.6470% | 410 |
| Equity capital to assets | 8.9233% | 4,881 |
| Core capital (leverage) ratio | 8.5864% | 5,164 |
| Tier 1 risk-based capital ratio | 9.5808% | 5,765 |
| Total risk-based capital ratio | 10.5329% | 5,785 |
| Memoranda: | ||
| Average total assets | $106,621,000 | 4,233 |
| Average earning assets | $98,564,500 | 4,222 |
| Average equity | $9,078,000 | 4,699 |
| Average total loans | $87,462,000 | 3,658 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5177% | 1,490 |
| Cost of funding earning assets | 0.3691% | 3,322 |
| Net interest margin | 4.1486% | 1,247 |
| Noninterest income to average assets | 0.7887% | 1,791 |
| Noninterest expense to average assets | 3.3085% | 1,555 |
| Loan and lease loss provision to assets | 0.1003% | 2,377 |
| Net operating income to assets | 1.1983% | 1,520 |
| Return on assets (ROA) | 1.1983% | 1,603 |
| Pretax return on assets | 1.2002% | 2,676 |
| Return on Equity (ROE) | 14.4966% | 700 |
| Retained earnings to average equity (ytd only) | 5.5214% | 2,001 |
| Net charge-offs to loans | 0.0012% | 4,241 |
| Credit loss provision to net charge-offs | 10,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,362.0000% | 45 |
| Efficiency ratio | 71.7837% | 2,623 |
| Assets per employee ($millions) | 4.3778% | 3,315 |
| Cash dividends to net income (ytd only)* | 61.9124% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,563 |
| Loan loss allowance to noncurrent loans | 68.6941% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 2.0284% | 672 |
| Noncurrent loans to loans | 1.8875% | 979 |
| Net loans and leases to total assets | 80.1290% | 880 |
| Net loans and leases to deposits | 87.6226% | 1,969 |
| Net loans and leases to core deposits | 87.6226% | 2,711 |
| Total domestic deposits to total assets | 91.4478% | 168 |
| Equity capital to assets | 8.1264% | 5,503 |
| Core capital (leverage) ratio | 8.3207% | 5,421 |
| Tier 1 risk-based capital ratio | 10.5029% | 5,571 |
| Total risk-based capital ratio | 11.7534% | 5,504 |
| Memoranda: | ||
| Average total assets | $104,730,400 | 4,268 |
| Average earning assets | $96,442,400 | 4,265 |
| Average equity | $8,657,200 | 4,809 |
| Average total loans | $84,287,200 | 3,703 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 1,491 |
| Cost of funding earning assets | 0.3628% | 3,412 |
| Net interest margin | 4.1514% | 1,249 |
| Noninterest income to average assets | 0.8022% | 1,756 |
| Noninterest expense to average assets | 3.3464% | 1,462 |
| Loan and lease loss provision to assets | 0.1069% | 2,146 |
| Net operating income to assets | 1.1627% | 1,759 |
| Return on assets (ROA) | 1.1627% | 1,861 |
| Pretax return on assets | 1.1653% | 2,983 |
| Return on Equity (ROE) | 14.0029% | 825 |
| Retained earnings to average equity (ytd only) | 5.8307% | 2,281 |
| Net charge-offs to loans | 0.0016% | 3,883 |
| Credit loss provision to net charge-offs | 8,300.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 990.4511% | 79 |
| Efficiency ratio | 72.4561% | 2,503 |
| Assets per employee ($millions) | 3.8971% | 4,133 |
| Cash dividends to net income (ytd only)* | 58.3611% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,792 |
| Loan loss allowance to noncurrent loans | 114.3725% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.4740% | 1,227 |
| Noncurrent loans to loans | 1.1203% | 2,008 |
| Net loans and leases to total assets | 82.7386% | 537 |
| Net loans and leases to deposits | 91.5400% | 1,562 |
| Net loans and leases to core deposits | 91.5400% | 2,434 |
| Total domestic deposits to total assets | 90.3852% | 352 |
| Equity capital to assets | 8.4240% | 5,571 |
| Core capital (leverage) ratio | 8.3300% | 5,484 |
| Tier 1 risk-based capital ratio | 9.6165% | 5,864 |
| Total risk-based capital ratio | 10.8607% | 5,851 |
| Memoranda: | ||
| Average total assets | $103,551,500 | 4,328 |
| Average earning assets | $95,195,000 | 4,323 |
| Average equity | $8,598,000 | 4,866 |
| Average total loans | $83,146,500 | 3,754 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4769% | 1,585 |
| Cost of funding earning assets | 0.3572% | 3,485 |
| Net interest margin | 4.1196% | 1,322 |
| Noninterest income to average assets | 0.7263% | 2,025 |
| Noninterest expense to average assets | 3.3885% | 1,397 |
| Loan and lease loss provision to assets | 0.1165% | 1,945 |
| Net operating income to assets | 1.0020% | 2,392 |
| Return on assets (ROA) | 1.0020% | 2,523 |
| Pretax return on assets | 1.0059% | 3,559 |
| Return on Equity (ROE) | 12.1279% | 1,267 |
| Retained earnings to average equity (ytd only) | 1.3397% | 4,847 |
| Net charge-offs to loans | 0.0025% | 3,623 |
| Credit loss provision to net charge-offs | 6,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 578.0000% | 113 |
| Efficiency ratio | 75.1184% | 2,205 |
| Assets per employee ($millions) | 3.8707% | 4,133 |
| Cash dividends to net income (ytd only)* | 88.9535% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,594 |
| Loan loss allowance to noncurrent loans | 217.9134% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1827% | 1,766 |
| Noncurrent loans to loans | 0.6129% | 3,231 |
| Net loans and leases to total assets | 78.2457% | 1,167 |
| Net loans and leases to deposits | 86.3951% | 2,206 |
| Net loans and leases to core deposits | 86.3951% | 2,861 |
| Total domestic deposits to total assets | 90.5672% | 298 |
| Equity capital to assets | 8.2022% | 5,732 |
| Core capital (leverage) ratio | 8.0436% | 5,703 |
| Tier 1 risk-based capital ratio | 9.9192% | 5,875 |
| Total risk-based capital ratio | 11.1696% | 5,829 |
| Memoranda: | ||
| Average total assets | $102,994,330 | 4,371 |
| Average earning assets | $94,620,000 | 4,370 |
| Average equity | $8,509,330 | 4,916 |
| Average total loans | $81,465,330 | 3,810 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3920% | 1,824 |
| Cost of funding earning assets | 0.3378% | 3,747 |
| Net interest margin | 4.0542% | 1,464 |
| Noninterest income to average assets | 0.6964% | 2,058 |
| Noninterest expense to average assets | 3.4234% | 1,336 |
| Loan and lease loss provision to assets | 0.0900% | 2,178 |
| Net operating income to assets | 0.8842% | 2,833 |
| Return on assets (ROA) | 0.8842% | 2,959 |
| Pretax return on assets | 0.8920% | 3,872 |
| Return on Equity (ROE) | 10.6629% | 1,725 |
| Retained earnings to average equity (ytd only) | -1.8872% | 5,378 |
| Net charge-offs to loans | 0.0050% | 2,944 |
| Credit loss provision to net charge-offs | 2,300.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 245 |
| Efficiency ratio | 77.7087% | 1,934 |
| Assets per employee ($millions) | 3.8844% | 4,152 |
| Cash dividends to net income (ytd only)* | 117.6991% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3259% | 2,775 |
| Loan loss allowance to noncurrent loans | 48.4382% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 2.4781% | 602 |
| Noncurrent loans to loans | 2.7374% | 638 |
| Net loans and leases to total assets | 75.9220% | 1,404 |
| Net loans and leases to deposits | 83.6348% | 2,351 |
| Net loans and leases to core deposits | 83.6348% | 2,964 |
| Total domestic deposits to total assets | 90.7780% | 336 |
| Equity capital to assets | 8.0597% | 5,801 |
| Core capital (leverage) ratio | 8.3878% | 5,489 |
| Tier 1 risk-based capital ratio | 9.9519% | 5,919 |
| Total risk-based capital ratio | 11.2015% | 5,888 |
| Memoranda: | ||
| Average total assets | $102,237,500 | 4,423 |
| Average earning assets | $93,533,500 | 4,435 |
| Average equity | $8,478,000 | 4,957 |
| Average total loans | $80,758,000 | 3,839 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4493% | 1,749 |
| Cost of funding earning assets | 0.3441% | 3,753 |
| Net interest margin | 4.1052% | 1,400 |
| Noninterest income to average assets | 0.5019% | 3,321 |
| Noninterest expense to average assets | 3.5182% | 1,260 |
| Loan and lease loss provision to assets | 0.0887% | 2,524 |
| Net operating income to assets | 0.6656% | 3,974 |
| Return on assets (ROA) | 0.6656% | 4,060 |
| Pretax return on assets | 0.6715% | 4,609 |
| Return on Equity (ROE) | 8.1108% | 2,894 |
| Retained earnings to average equity (ytd only) | 2.5114% | 4,287 |
| Net charge-offs to loans | 0.1773% | 1,618 |
| Credit loss provision to net charge-offs | 64.2857% | 3,203 |
| Earnings coverage of net charge-offs (x) | 5.5071% | 3,381 |
| Efficiency ratio | 82.2309% | 1,372 |
| Assets per employee ($millions) | 3.4343% | 4,927 |
| Cash dividends to net income (ytd only)* | 69.0370% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 2,928 |
| Loan loss allowance to noncurrent loans | 31.3023% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 4.0122% | 259 |
| Noncurrent loans to loans | 4.1426% | 283 |
| Net loans and leases to total assets | 80.0954% | 834 |
| Net loans and leases to deposits | 88.7963% | 1,776 |
| Net loans and leases to core deposits | 90.5634% | 2,362 |
| Total domestic deposits to total assets | 90.2013% | 542 |
| Equity capital to assets | 8.5376% | 5,534 |
| Core capital (leverage) ratio | 8.2285% | 5,669 |
| Tier 1 risk-based capital ratio | 9.7698% | 6,005 |
| Total risk-based capital ratio | 10.9893% | 5,983 |
| Memoranda: | ||
| Average total assets | $101,416,200 | 4,437 |
| Average earning assets | $93,296,400 | 4,445 |
| Average equity | $8,322,200 | 5,001 |
| Average total loans | $78,963,600 | 3,865 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 1,854 |
| Cost of funding earning assets | 0.3448% | 3,811 |
| Net interest margin | 4.0755% | 1,476 |
| Noninterest income to average assets | 0.4149% | 3,970 |
| Noninterest expense to average assets | 3.6018% | 1,117 |
| Loan and lease loss provision to assets | 0.0890% | 2,377 |
| Net operating income to assets | 0.4830% | 4,846 |
| Return on assets (ROA) | 0.4830% | 4,945 |
| Pretax return on assets | 0.4830% | 5,260 |
| Return on Equity (ROE) | 5.9441% | 4,179 |
| Retained earnings to average equity (ytd only) | -1.5625% | 5,810 |
| Net charge-offs to loans | -0.0153% | 5,112 |
| Credit loss provision to net charge-offs | -755.5556% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2966% | 982 |
| Assets per employee ($millions) | 3.6310% | 4,553 |
| Cash dividends to net income (ytd only)* | 126.2871% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 2,280 |
| Loan loss allowance to noncurrent loans | 187.1019% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 2,989 |
| Noncurrent loans to loans | 0.7856% | 2,999 |
| Net loans and leases to total assets | 74.7972% | 1,586 |
| Net loans and leases to deposits | 83.0846% | 2,521 |
| Net loans and leases to core deposits | 83.5278% | 3,096 |
| Total domestic deposits to total assets | 90.0255% | 555 |
| Equity capital to assets | 7.8159% | 6,016 |
| Core capital (leverage) ratio | 8.1833% | 5,787 |
| Tier 1 risk-based capital ratio | 9.8559% | 6,075 |
| Total risk-based capital ratio | 11.1072% | 6,046 |
| Memoranda: | ||
| Average total assets | $101,871,500 | 4,473 |
| Average earning assets | $93,958,250 | 4,487 |
| Average equity | $8,277,000 | 5,075 |
| Average total loans | $78,499,750 | 3,907 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 1,751 |
| Cost of funding earning assets | 0.3578% | 3,728 |
| Net interest margin | 4.0715% | 1,438 |
| Noninterest income to average assets | 0.6254% | 2,605 |
| Noninterest expense to average assets | 3.5243% | 1,258 |
| Loan and lease loss provision to assets | 0.0893% | 2,324 |
| Net operating income to assets | 0.7624% | 3,579 |
| Return on assets (ROA) | 0.7624% | 3,682 |
| Pretax return on assets | 0.7624% | 4,447 |
| Return on Equity (ROE) | 9.2612% | 2,402 |
| Retained earnings to average equity (ytd only) | -0.9406% | 5,683 |
| Net charge-offs to loans | -0.0026% | 4,619 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5354% | 1,688 |
| Assets per employee ($millions) | 3.3934% | 4,994 |
| Cash dividends to net income (ytd only)* | 110.1563% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,529 |
| Loan loss allowance to noncurrent loans | 92.0354% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 1,450 |
| Noncurrent loans to loans | 1.5710% | 1,681 |
| Net loans and leases to total assets | 79.2407% | 905 |
| Net loans and leases to deposits | 89.7622% | 1,628 |
| Net loans and leases to core deposits | 90.5418% | 2,295 |
| Total domestic deposits to total assets | 88.2785% | 1,505 |
| Equity capital to assets | 8.3986% | 5,762 |
| Core capital (leverage) ratio | 8.2352% | 5,760 |
| Tier 1 risk-based capital ratio | 9.8041% | 6,145 |
| Total risk-based capital ratio | 11.0554% | 6,100 |
| Memoranda: | ||
| Average total assets | $100,729,330 | 4,537 |
| Average earning assets | $92,790,330 | 4,540 |
| Average equity | $8,292,670 | 5,102 |
| Average total loans | $78,021,330 | 3,949 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,482 |
| Cost of funding earning assets | 0.3530% | 3,823 |
| Net interest margin | 3.8409% | 2,096 |
| Noninterest income to average assets | 0.5692% | 2,840 |
| Noninterest expense to average assets | 3.3723% | 1,548 |
| Loan and lease loss provision to assets | 0.0903% | 2,187 |
| Net operating income to assets | 0.6517% | 4,039 |
| Return on assets (ROA) | 0.6517% | 4,158 |
| Pretax return on assets | 0.6517% | 4,756 |
| Return on Equity (ROE) | 7.9937% | 2,959 |
| Retained earnings to average equity (ytd only) | -1.6373% | 5,644 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9656% | 1,624 |
| Assets per employee ($millions) | 3.4412% | 5,014 |
| Cash dividends to net income (ytd only)* | 120.4819% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 2,684 |
| Loan loss allowance to noncurrent loans | 89.1097% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.6454% | 1,540 |
| Noncurrent loans to loans | 1.6258% | 1,716 |
| Net loans and leases to total assets | 76.4119% | 1,157 |
| Net loans and leases to deposits | 86.3954% | 1,784 |
| Net loans and leases to core deposits | 88.7720% | 2,243 |
| Total domestic deposits to total assets | 88.4444% | 1,575 |
| Equity capital to assets | 8.3069% | 5,864 |
| Core capital (leverage) ratio | 8.2955% | 5,730 |
| Tier 1 risk-based capital ratio | 10.0891% | 6,147 |
| Total risk-based capital ratio | 11.3403% | 6,092 |
| Memoranda: | ||
| Average total assets | $101,889,500 | 4,558 |
| Average earning assets | $94,040,000 | 4,549 |
| Average equity | $8,306,500 | 5,138 |
| Average total loans | $77,470,000 | 3,980 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 2,108 |
| Cost of funding earning assets | 0.3578% | 4,168 |
| Net interest margin | 4.0789% | 1,652 |
| Noninterest income to average assets | 0.7658% | 2,013 |
| Noninterest expense to average assets | 3.5444% | 1,397 |
| Loan and lease loss provision to assets | 0.0938% | 2,591 |
| Net operating income to assets | 0.8575% | 3,077 |
| Return on assets (ROA) | 0.8575% | 3,175 |
| Pretax return on assets | 0.8575% | 4,043 |
| Return on Equity (ROE) | 10.1465% | 2,050 |
| Retained earnings to average equity (ytd only) | 4.1054% | 3,281 |
| Net charge-offs to loans | 0.0176% | 4,510 |
| Credit loss provision to net charge-offs | 692.3077% | 383 |
| Earnings coverage of net charge-offs (x) | 70.2308% | 704 |
| Efficiency ratio | 78.8413% | 2,087 |
| Assets per employee ($millions) | 3.5856% | 4,746 |
| Cash dividends to net income (ytd only)* | 59.5383% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 2,875 |
| Loan loss allowance to noncurrent loans | 100.9191% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4156% | 1,952 |
| Noncurrent loans to loans | 1.4027% | 2,089 |
| Net loans and leases to total assets | 73.5361% | 1,661 |
| Net loans and leases to deposits | 82.7767% | 2,368 |
| Net loans and leases to core deposits | 87.3626% | 2,572 |
| Total domestic deposits to total assets | 88.8366% | 1,333 |
| Equity capital to assets | 8.0042% | 6,068 |
| Core capital (leverage) ratio | 8.2963% | 5,782 |
| Tier 1 risk-based capital ratio | 9.4659% | 6,358 |
| Total risk-based capital ratio | 10.6646% | 6,343 |
| Memoranda: | ||
| Average total assets | $95,982,000 | 4,694 |
| Average earning assets | $87,768,400 | 4,703 |
| Average equity | $8,111,200 | 5,175 |
| Average total loans | $73,945,200 | 4,058 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 2,030 |
| Cost of funding earning assets | 0.3592% | 4,242 |
| Net interest margin | 4.0971% | 1,583 |
| Noninterest income to average assets | 0.7647% | 2,034 |
| Noninterest expense to average assets | 3.5694% | 1,350 |
| Loan and lease loss provision to assets | 0.0965% | 2,435 |
| Net operating income to assets | 0.8370% | 3,249 |
| Return on assets (ROA) | 0.8370% | 3,338 |
| Pretax return on assets | 0.8370% | 4,226 |
| Return on Equity (ROE) | 9.7620% | 2,325 |
| Retained earnings to average equity (ytd only) | 4.1365% | 3,713 |
| Net charge-offs to loans | 0.0018% | 4,656 |
| Credit loss provision to net charge-offs | 6,800.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 659.6316% | 118 |
| Efficiency ratio | 79.2691% | 2,016 |
| Assets per employee ($millions) | 3.4662% | 4,925 |
| Cash dividends to net income (ytd only)* | 57.6266% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 3,156 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 4,072 |
| Noncurrent loans to loans | 0.0438% | 5,837 |
| Net loans and leases to total assets | 78.7737% | 862 |
| Net loans and leases to deposits | 89.2163% | 1,521 |
| Net loans and leases to core deposits | 93.4119% | 1,924 |
| Total domestic deposits to total assets | 88.2952% | 1,608 |
| Equity capital to assets | 8.5169% | 5,787 |
| Core capital (leverage) ratio | 8.6740% | 5,475 |
| Tier 1 risk-based capital ratio | 9.7930% | 6,388 |
| Total risk-based capital ratio | 10.9757% | 6,372 |
| Memoranda: | ||
| Average total assets | $93,981,750 | 4,800 |
| Average earning assets | $85,749,500 | 4,793 |
| Average equity | $8,058,250 | 5,233 |
| Average total loans | $73,040,750 | 4,112 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 1,949 |
| Cost of funding earning assets | 0.3640% | 4,270 |
| Net interest margin | 4.1006% | 1,509 |
| Noninterest income to average assets | 0.7358% | 2,107 |
| Noninterest expense to average assets | 3.5694% | 1,353 |
| Loan and lease loss provision to assets | 0.0968% | 2,411 |
| Net operating income to assets | 0.8025% | 3,318 |
| Return on assets (ROA) | 0.8025% | 3,423 |
| Pretax return on assets | 0.8025% | 4,252 |
| Return on Equity (ROE) | 9.3378% | 2,446 |
| Retained earnings to average equity (ytd only) | 0.8261% | 5,420 |
| Net charge-offs to loans | 0.0028% | 4,293 |
| Credit loss provision to net charge-offs | 4,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 167 |
| Efficiency ratio | 79.8748% | 2,042 |
| Assets per employee ($millions) | 3.1566% | 5,494 |
| Cash dividends to net income (ytd only)* | 91.1528% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 2,970 |
| Loan loss allowance to noncurrent loans | 1,145.1613% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 3,985 |
| Noncurrent loans to loans | 0.1297% | 5,621 |
| Net loans and leases to total assets | 74.6014% | 1,360 |
| Net loans and leases to deposits | 84.6760% | 1,968 |
| Net loans and leases to core deposits | 86.3326% | 2,481 |
| Total domestic deposits to total assets | 88.1022% | 1,845 |
| Equity capital to assets | 8.5018% | 5,801 |
| Core capital (leverage) ratio | 8.5331% | 5,601 |
| Tier 1 risk-based capital ratio | 10.1498% | 6,347 |
| Total risk-based capital ratio | 11.3683% | 6,320 |
| Memoranda: | ||
| Average total assets | $92,957,670 | 4,845 |
| Average earning assets | $84,622,670 | 4,855 |
| Average equity | $7,989,000 | 5,274 |
| Average total loans | $71,540,670 | 4,178 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 1,924 |
| Cost of funding earning assets | 0.3802% | 4,195 |
| Net interest margin | 4.0827% | 1,514 |
| Noninterest income to average assets | 0.7819% | 1,835 |
| Noninterest expense to average assets | 3.4967% | 1,493 |
| Loan and lease loss provision to assets | 0.0999% | 2,259 |
| Net operating income to assets | 0.9165% | 2,567 |
| Return on assets (ROA) | 0.9165% | 2,639 |
| Pretax return on assets | 0.9165% | 3,640 |
| Return on Equity (ROE) | 10.6057% | 1,817 |
| Retained earnings to average equity (ytd only) | -6.4840% | 6,206 |
| Net charge-offs to loans | 0.0168% | 3,255 |
| Credit loss provision to net charge-offs | 766.6667% | 378 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 550 |
| Efficiency ratio | 77.4783% | 2,558 |
| Assets per employee ($millions) | 3.3133% | 5,324 |
| Cash dividends to net income (ytd only)* | 161.1374% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 3,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 4,403 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 74.6031% | 1,170 |
| Net loans and leases to deposits | 84.7767% | 1,744 |
| Net loans and leases to core deposits | 86.4725% | 2,269 |
| Total domestic deposits to total assets | 87.9995% | 2,236 |
| Equity capital to assets | 8.5167% | 5,642 |
| Core capital (leverage) ratio | 8.5041% | 5,636 |
| Tier 1 risk-based capital ratio | 9.8050% | 6,514 |
| Total risk-based capital ratio | 11.0015% | 6,497 |
| Memoranda: | ||
| Average total assets | $92,087,500 | 4,912 |
| Average earning assets | $84,159,000 | 4,913 |
| Average equity | $7,958,000 | 5,309 |
| Average total loans | $71,455,500 | 4,221 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 1,733 |
| Cost of funding earning assets | 0.4062% | 4,575 |
| Net interest margin | 4.2392% | 1,256 |
| Noninterest income to average assets | 0.7187% | 2,440 |
| Noninterest expense to average assets | 3.7685% | 1,187 |
| Loan and lease loss provision to assets | 0.0435% | 4,253 |
| Net operating income to assets | 0.8382% | 3,096 |
| Return on assets (ROA) | 0.8382% | 3,176 |
| Pretax return on assets | 0.8395% | 3,999 |
| Return on Equity (ROE) | 8.7788% | 2,652 |
| Retained earnings to average equity (ytd only) | 2.8968% | 4,185 |
| Net charge-offs to loans | 0.0334% | 4,767 |
| Credit loss provision to net charge-offs | 171.4286% | 1,332 |
| Earnings coverage of net charge-offs (x) | 34.8095% | 1,062 |
| Efficiency ratio | 81.0179% | 2,021 |
| Assets per employee ($millions) | 3.1519% | 5,589 |
| Cash dividends to net income (ytd only)* | 67.0029% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 3,630 |
| Loan loss allowance to noncurrent loans | 51,050.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 4,315 |
| Noncurrent loans to loans | 0.0028% | 6,307 |
| Net loans and leases to total assets | 78.3762% | 775 |
| Net loans and leases to deposits | 90.4293% | 1,193 |
| Net loans and leases to core deposits | 92.2909% | 1,768 |
| Total domestic deposits to total assets | 86.6713% | 2,892 |
| Equity capital to assets | 8.7688% | 5,289 |
| Core capital (leverage) ratio | 8.9825% | 5,032 |
| Tier 1 risk-based capital ratio | 10.0096% | 6,517 |
| Total risk-based capital ratio | 11.2086% | 6,496 |
| Memoranda: | ||
| Average total assets | $82,792,000 | 5,173 |
| Average earning assets | $76,806,600 | 5,122 |
| Average equity | $7,905,400 | 5,364 |
| Average total loans | $62,881,200 | 4,516 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 1,643 |
| Cost of funding earning assets | 0.4175% | 4,646 |
| Net interest margin | 4.2651% | 1,173 |
| Noninterest income to average assets | 0.9805% | 1,509 |
| Noninterest expense to average assets | 3.8177% | 1,061 |
| Loan and lease loss provision to assets | 0.1488% | 2,413 |
| Net operating income to assets | 0.9821% | 2,458 |
| Return on assets (ROA) | 0.9821% | 2,560 |
| Pretax return on assets | 0.9838% | 3,567 |
| Return on Equity (ROE) | 10.0531% | 2,155 |
| Retained earnings to average equity (ytd only) | 2.7248% | 4,693 |
| Net charge-offs to loans | 0.0485% | 4,209 |
| Credit loss provision to net charge-offs | 409.0909% | 652 |
| Earnings coverage of net charge-offs (x) | 31.1391% | 1,204 |
| Efficiency ratio | 77.1209% | 2,538 |
| Assets per employee ($millions) | 2.8868% | 6,028 |
| Cash dividends to net income (ytd only)* | 72.8958% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 3,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 2,975 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 76.7883% | 897 |
| Net loans and leases to deposits | 89.3290% | 1,241 |
| Net loans and leases to core deposits | 91.2836% | 1,845 |
| Total domestic deposits to total assets | 85.9612% | 3,272 |
| Equity capital to assets | 9.1902% | 4,950 |
| Core capital (leverage) ratio | 9.5683% | 4,299 |
| Tier 1 risk-based capital ratio | 10.7720% | 6,372 |
| Total risk-based capital ratio | 11.9788% | 6,353 |
| Memoranda: | ||
| Average total assets | $80,639,000 | 5,275 |
| Average earning assets | $75,057,250 | 5,222 |
| Average equity | $7,878,000 | 5,424 |
| Average total loans | $60,436,500 | 4,643 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 1,942 |
| Cost of funding earning assets | 0.4299% | 4,664 |
| Net interest margin | 4.1414% | 1,432 |
| Noninterest income to average assets | 0.9129% | 1,773 |
| Noninterest expense to average assets | 3.7762% | 1,129 |
| Loan and lease loss provision to assets | 0.1526% | 2,410 |
| Net operating income to assets | 0.8519% | 3,036 |
| Return on assets (ROA) | 0.8519% | 3,183 |
| Pretax return on assets | 0.8544% | 4,096 |
| Return on Equity (ROE) | 8.5339% | 2,831 |
| Retained earnings to average equity (ytd only) | 0.6114% | 5,656 |
| Net charge-offs to loans | 0.0655% | 3,766 |
| Credit loss provision to net charge-offs | 315.7895% | 817 |
| Earnings coverage of net charge-offs (x) | 20.8421% | 1,439 |
| Efficiency ratio | 78.9474% | 2,307 |
| Assets per employee ($millions) | 2.6818% | 6,317 |
| Cash dividends to net income (ytd only)* | 92.8358% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,705 |
| Loan loss allowance to noncurrent loans | 399.6183% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 2.0187% | 2,137 |
| Noncurrent loans to loans | 0.4305% | 5,186 |
| Net loans and leases to total assets | 76.9146% | 875 |
| Net loans and leases to deposits | 91.5979% | 1,003 |
| Net loans and leases to core deposits | 93.8896% | 1,528 |
| Total domestic deposits to total assets | 83.9698% | 4,328 |
| Equity capital to assets | 10.0319% | 3,873 |
| Core capital (leverage) ratio | 9.6983% | 3,934 |
| Tier 1 risk-based capital ratio | 12.0768% | 5,750 |
| Total risk-based capital ratio | 13.2815% | 5,725 |
| Memoranda: | ||
| Average total assets | $78,651,000 | 5,351 |
| Average earning assets | $73,502,000 | 5,289 |
| Average equity | $7,851,000 | 5,467 |
| Average total loans | $58,057,000 | 4,743 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 1,755 |
| Cost of funding earning assets | 0.4259% | 4,854 |
| Net interest margin | 4.1999% | 1,181 |
| Noninterest income to average assets | 0.7182% | 2,492 |
| Noninterest expense to average assets | 3.6262% | 1,374 |
| Loan and lease loss provision to assets | 0.1517% | 2,352 |
| Net operating income to assets | 0.8800% | 2,752 |
| Return on assets (ROA) | 0.8800% | 2,901 |
| Pretax return on assets | 0.8800% | 3,837 |
| Return on Equity (ROE) | 8.8375% | 2,560 |
| Retained earnings to average equity (ytd only) | 4.0632% | 3,788 |
| Net charge-offs to loans | 0.0424% | 3,441 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 897 |
| Efficiency ratio | 77.8502% | 2,631 |
| Assets per employee ($millions) | 2.7765% | 6,310 |
| Cash dividends to net income (ytd only)* | 54.0230% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,581 |
| Loan loss allowance to noncurrent loans | 6,866.6667% | 100 |
| Noncurrent assets plus other real estate owned to assets | 1.6431% | 2,806 |
| Noncurrent loans to loans | 0.0264% | 6,416 |
| Net loans and leases to total assets | 69.3398% | 1,773 |
| Net loans and leases to deposits | 82.2035% | 1,800 |
| Net loans and leases to core deposits | 85.1355% | 2,200 |
| Total domestic deposits to total assets | 84.3513% | 4,333 |
| Equity capital to assets | 9.8425% | 4,363 |
| Core capital (leverage) ratio | 9.8428% | 3,610 |
| Tier 1 risk-based capital ratio | 14.5507% | 4,138 |
| Total risk-based capital ratio | 15.7781% | 4,121 |
| Memoranda: | ||
| Average total assets | $79,090,500 | 5,387 |
| Average earning assets | $74,192,000 | 5,315 |
| Average equity | $7,875,500 | 5,522 |
| Average total loans | $56,653,000 | 4,833 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 2,241 |
| Cost of funding earning assets | 0.4532% | 5,563 |
| Net interest margin | 4.3360% | 1,314 |
| Noninterest income to average assets | 1.0116% | 1,500 |
| Noninterest expense to average assets | 3.9058% | 1,093 |
| Loan and lease loss provision to assets | 0.1591% | 3,627 |
| Net operating income to assets | 1.0182% | 2,261 |
| Return on assets (ROA) | 1.0182% | 2,473 |
| Pretax return on assets | 1.0182% | 3,480 |
| Return on Equity (ROE) | 9.6896% | 2,322 |
| Retained earnings to average equity (ytd only) | -8.6172% | 6,596 |
| Net charge-offs to loans | 0.2011% | 3,769 |
| Credit loss provision to net charge-offs | 108.1081% | 2,729 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,494 |
| Efficiency ratio | 76.8388% | 2,617 |
| Assets per employee ($millions) | 2.6780% | 6,449 |
| Cash dividends to net income (ytd only)* | 188.9323% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 2,646 |
| Loan loss allowance to noncurrent loans | 568.3616% | 733 |
| Noncurrent assets plus other real estate owned to assets | 1.8413% | 2,655 |
| Noncurrent loans to loans | 0.3136% | 5,702 |
| Net loans and leases to total assets | 71.3841% | 1,591 |
| Net loans and leases to deposits | 85.0278% | 1,636 |
| Net loans and leases to core deposits | 87.1518% | 2,176 |
| Total domestic deposits to total assets | 83.9537% | 4,338 |
| Equity capital to assets | 10.0769% | 4,062 |
| Core capital (leverage) ratio | 10.1598% | 3,183 |
| Tier 1 risk-based capital ratio | 14.2054% | 4,242 |
| Total risk-based capital ratio | 15.4735% | 4,181 |
| Memoranda: | ||
| Average total assets | $75,425,800 | 5,474 |
| Average earning assets | $70,826,000 | 5,396 |
| Average equity | $7,926,000 | 5,528 |
| Average total loans | $55,191,800 | 4,896 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8356% | 2,259 |
| Cost of funding earning assets | 0.4603% | 5,722 |
| Net interest margin | 4.3754% | 1,262 |
| Noninterest income to average assets | 1.0454% | 1,385 |
| Noninterest expense to average assets | 3.9518% | 997 |
| Loan and lease loss provision to assets | 0.1603% | 3,510 |
| Net operating income to assets | 1.0472% | 2,293 |
| Return on assets (ROA) | 1.0472% | 2,511 |
| Pretax return on assets | 1.0472% | 3,546 |
| Return on Equity (ROE) | 9.8601% | 2,412 |
| Retained earnings to average equity (ytd only) | -10.7657% | 6,833 |
| Net charge-offs to loans | 0.2527% | 3,208 |
| Credit loss provision to net charge-offs | 86.5385% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.5194% | 2,773 |
| Efficiency ratio | 76.5965% | 2,583 |
| Assets per employee ($millions) | 2.6205% | 6,578 |
| Cash dividends to net income (ytd only)* | 209.1839% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,067 |
| Loan loss allowance to noncurrent loans | 14,042.8571% | 41 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 3,097 |
| Noncurrent loans to loans | 0.0123% | 6,623 |
| Net loans and leases to total assets | 73.8006% | 1,275 |
| Net loans and leases to deposits | 88.4648% | 1,299 |
| Net loans and leases to core deposits | 90.7317% | 1,903 |
| Total domestic deposits to total assets | 83.4237% | 4,471 |
| Equity capital to assets | 10.3495% | 4,020 |
| Core capital (leverage) ratio | 10.4155% | 3,020 |
| Tier 1 risk-based capital ratio | 15.0488% | 3,813 |
| Total risk-based capital ratio | 16.2839% | 3,774 |
| Memoranda: | ||
| Average total assets | $74,866,500 | 5,549 |
| Average earning assets | $70,392,250 | 5,473 |
| Average equity | $7,951,000 | 5,576 |
| Average total loans | $54,878,500 | 4,958 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8952% | 2,131 |
| Cost of funding earning assets | 0.4715% | 5,819 |
| Net interest margin | 4.4237% | 1,141 |
| Noninterest income to average assets | 0.9800% | 1,515 |
| Noninterest expense to average assets | 3.7857% | 1,239 |
| Loan and lease loss provision to assets | 0.1611% | 3,498 |
| Net operating income to assets | 1.1894% | 1,750 |
| Return on assets (ROA) | 1.1894% | 1,949 |
| Pretax return on assets | 1.1894% | 2,975 |
| Return on Equity (ROE) | 11.1032% | 1,955 |
| Retained earnings to average equity (ytd only) | -14.6623% | 6,933 |
| Net charge-offs to loans | 0.2142% | 3,288 |
| Credit loss provision to net charge-offs | 103.4483% | 2,636 |
| Earnings coverage of net charge-offs (x) | 8.6724% | 2,260 |
| Efficiency ratio | 73.7062% | 3,122 |
| Assets per employee ($millions) | 2.5491% | 6,711 |
| Cash dividends to net income (ytd only)* | 232.0542% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 2,687 |
| Loan loss allowance to noncurrent loans | 657.2368% | 587 |
| Noncurrent assets plus other real estate owned to assets | 1.9763% | 2,806 |
| Noncurrent loans to loans | 0.2824% | 6,007 |
| Net loans and leases to total assets | 71.4670% | 1,647 |
| Net loans and leases to deposits | 86.0064% | 1,597 |
| Net loans and leases to core deposits | 88.2829% | 2,179 |
| Total domestic deposits to total assets | 83.0950% | 4,718 |
| Equity capital to assets | 10.5634% | 3,609 |
| Core capital (leverage) ratio | 10.6604% | 2,650 |
| Tier 1 risk-based capital ratio | 13.8376% | 4,568 |
| Total risk-based capital ratio | 15.0823% | 4,549 |
| Memoranda: | ||
| Average total assets | $74,490,670 | 5,592 |
| Average earning assets | $69,987,330 | 5,520 |
| Average equity | $7,979,670 | 5,578 |
| Average total loans | $54,149,000 | 5,025 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 2,574 |
| Cost of funding earning assets | 0.4831% | 5,920 |
| Net interest margin | 4.3309% | 1,376 |
| Noninterest income to average assets | 0.9255% | 1,649 |
| Noninterest expense to average assets | 3.8409% | 1,152 |
| Loan and lease loss provision to assets | 0.1605% | 3,377 |
| Net operating income to assets | 1.0004% | 2,482 |
| Return on assets (ROA) | 1.0004% | 2,671 |
| Pretax return on assets | 1.0004% | 3,673 |
| Return on Equity (ROE) | 9.2746% | 2,694 |
| Retained earnings to average equity (ytd only) | -33.5772% | 7,155 |
| Net charge-offs to loans | 0.0589% | 3,914 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 27.1250% | 992 |
| Efficiency ratio | 76.7914% | 2,675 |
| Assets per employee ($millions) | 2.5672% | 6,781 |
| Cash dividends to net income (ytd only)* | 462.0321% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,718 |
| Loan loss allowance to noncurrent loans | 222.4891% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 1.9947% | 2,906 |
| Noncurrent loans to loans | 0.8482% | 4,981 |
| Net loans and leases to total assets | 71.1615% | 1,539 |
| Net loans and leases to deposits | 85.5314% | 1,474 |
| Net loans and leases to core deposits | 87.7688% | 2,073 |
| Total domestic deposits to total assets | 83.1992% | 4,847 |
| Equity capital to assets | 10.4407% | 3,566 |
| Core capital (leverage) ratio | 10.4049% | 2,870 |
| Tier 1 risk-based capital ratio | 15.6695% | 3,354 |
| Total risk-based capital ratio | 16.8046% | 3,388 |
| Memoranda: | ||
| Average total assets | $74,773,500 | 5,626 |
| Average earning assets | $70,378,500 | 5,547 |
| Average equity | $8,065,000 | 5,575 |
| Average total loans | $54,308,000 | 5,054 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 3,281 |
| Cost of funding earning assets | 0.7046% | 5,507 |
| Net interest margin | 4.2123% | 2,019 |
| Noninterest income to average assets | 0.8115% | 1,995 |
| Noninterest expense to average assets | 3.9692% | 1,084 |
| Loan and lease loss provision to assets | 0.2104% | 4,083 |
| Net operating income to assets | 0.6260% | 3,851 |
| Return on assets (ROA) | 1.2363% | 1,517 |
| Pretax return on assets | 1.2363% | 2,335 |
| Return on Equity (ROE) | 11.3870% | 1,591 |
| Retained earnings to average equity (ytd only) | 11.3870% | 360 |
| Net charge-offs to loans | 0.1398% | 5,028 |
| Credit loss provision to net charge-offs | 205.1282% | 1,213 |
| Earnings coverage of net charge-offs (x) | 8.1538% | 2,205 |
| Efficiency ratio | 82.5944% | 1,939 |
| Assets per employee ($millions) | 2.5896% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 2,787 |
| Loan loss allowance to noncurrent loans | 133.1108% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 2.4062% | 2,528 |
| Noncurrent loans to loans | 1.3713% | 4,087 |
| Net loans and leases to total assets | 71.4014% | 1,750 |
| Net loans and leases to deposits | 86.4269% | 1,622 |
| Net loans and leases to core deposits | 88.6840% | 2,297 |
| Total domestic deposits to total assets | 82.6147% | 4,916 |
| Equity capital to assets | 11.1281% | 2,860 |
| Core capital (leverage) ratio | 10.8585% | 2,388 |
| Tier 1 risk-based capital ratio | 16.5519% | 2,801 |
| Total risk-based capital ratio | 17.6855% | 2,814 |
| Memoranda: | ||
| Average total assets | $76,035,200 | 5,564 |
| Average earning assets | $72,099,000 | 5,471 |
| Average equity | $8,255,000 | 5,495 |
| Average total loans | $55,799,800 | 5,035 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 3,276 |
| Cost of funding earning assets | 0.7332% | 5,575 |
| Net interest margin | 4.2297% | 1,991 |
| Noninterest income to average assets | 0.7377% | 2,377 |
| Noninterest expense to average assets | 3.7742% | 1,347 |
| Loan and lease loss provision to assets | 0.1870% | 4,160 |
| Net operating income to assets | 0.7902% | 3,217 |
| Return on assets (ROA) | 0.8146% | 3,249 |
| Pretax return on assets | 0.8146% | 4,072 |
| Return on Equity (ROE) | 7.5499% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.5499% | 1,691 |
| Net charge-offs to loans | 0.1759% | 4,399 |
| Credit loss provision to net charge-offs | 144.5946% | 2,193 |
| Earnings coverage of net charge-offs (x) | 7.5543% | 2,342 |
| Efficiency ratio | 79.4334% | 2,342 |
| Assets per employee ($millions) | 2.5920% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 3,065 |
| Loan loss allowance to noncurrent loans | 256.2162% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 1.8997% | 3,269 |
| Noncurrent loans to loans | 0.6876% | 5,514 |
| Net loans and leases to total assets | 70.3251% | 2,014 |
| Net loans and leases to deposits | 85.7773% | 1,712 |
| Net loans and leases to core deposits | 88.0256% | 2,486 |
| Total domestic deposits to total assets | 81.9857% | 5,097 |
| Equity capital to assets | 11.1497% | 3,003 |
| Core capital (leverage) ratio | 10.7593% | 2,602 |
| Tier 1 risk-based capital ratio | 13.4688% | 4,760 |
| Total risk-based capital ratio | 14.6343% | 4,789 |
| Memoranda: | ||
| Average total assets | $76,269,500 | 5,602 |
| Average earning assets | $72,376,000 | 5,502 |
| Average equity | $8,229,500 | 5,530 |
| Average total loans | $56,095,250 | 5,074 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9926% | 3,189 |
| Cost of funding earning assets | 0.7746% | 5,538 |
| Net interest margin | 4.2180% | 1,964 |
| Noninterest income to average assets | 0.7072% | 2,512 |
| Noninterest expense to average assets | 3.7763% | 1,383 |
| Loan and lease loss provision to assets | 0.2036% | 3,888 |
| Net operating income to assets | 0.7490% | 3,299 |
| Return on assets (ROA) | 0.7855% | 3,262 |
| Pretax return on assets | 0.7855% | 4,085 |
| Return on Equity (ROE) | 7.3603% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.3603% | 1,709 |
| Net charge-offs to loans | 0.2638% | 3,573 |
| Credit loss provision to net charge-offs | 104.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | 4.8667% | 2,749 |
| Efficiency ratio | 79.8565% | 2,408 |
| Assets per employee ($millions) | 2.6018% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 3,460 |
| Loan loss allowance to noncurrent loans | 67.1053% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 3.2876% | 2,029 |
| Noncurrent loans to loans | 2.4717% | 2,915 |
| Net loans and leases to total assets | 74.7134% | 1,281 |
| Net loans and leases to deposits | 90.1439% | 1,254 |
| Net loans and leases to core deposits | 93.3505% | 1,980 |
| Total domestic deposits to total assets | 82.8824% | 4,812 |
| Equity capital to assets | 11.4593% | 2,540 |
| Core capital (leverage) ratio | 10.4763% | 2,736 |
| Tier 1 risk-based capital ratio | 13.3546% | 4,648 |
| Total risk-based capital ratio | 14.5524% | 4,663 |
| Memoranda: | ||
| Average total assets | $76,636,670 | 5,633 |
| Average earning assets | $73,068,000 | 5,523 |
| Average equity | $8,179,000 | 5,555 |
| Average total loans | $56,857,000 | 5,088 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 3,838 |
| Cost of funding earning assets | 0.8131% | 5,511 |
| Net interest margin | 4.0338% | 2,549 |
| Noninterest income to average assets | 0.7029% | 2,560 |
| Noninterest expense to average assets | 3.7081% | 1,518 |
| Loan and lease loss provision to assets | 0.2394% | 3,275 |
| Net operating income to assets | 0.6214% | 3,916 |
| Return on assets (ROA) | 0.6927% | 3,612 |
| Pretax return on assets | 0.6927% | 4,332 |
| Return on Equity (ROE) | 6.7206% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.7206% | 2,274 |
| Net charge-offs to loans | 0.2152% | 3,228 |
| Credit loss provision to net charge-offs | 151.6129% | 1,890 |
| Earnings coverage of net charge-offs (x) | 5.4516% | 2,279 |
| Efficiency ratio | 81.1594% | 2,345 |
| Assets per employee ($millions) | 2.6335% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 3,484 |
| Loan loss allowance to noncurrent loans | 149.6785% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 1.4104% | 4,163 |
| Noncurrent loans to loans | 1.1096% | 4,845 |
| Net loans and leases to total assets | 74.7596% | 1,228 |
| Net loans and leases to deposits | 89.7644% | 1,262 |
| Net loans and leases to core deposits | 92.1071% | 2,116 |
| Total domestic deposits to total assets | 83.2843% | 4,799 |
| Equity capital to assets | 11.0715% | 2,618 |
| Core capital (leverage) ratio | 9.7708% | 3,420 |
| Tier 1 risk-based capital ratio | 13.6122% | 4,349 |
| Total risk-based capital ratio | 14.8705% | 4,313 |
| Memoranda: | ||
| Average total assets | $78,530,500 | 5,628 |
| Average earning assets | $75,264,000 | 5,502 |
| Average equity | $8,094,500 | 5,577 |
| Average total loans | $57,612,500 | 5,104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1298% | 3,960 |
| Cost of funding earning assets | 1.1049% | 5,112 |
| Net interest margin | 4.0250% | 2,907 |
| Noninterest income to average assets | 0.7035% | 2,825 |
| Noninterest expense to average assets | 3.5712% | 1,998 |
| Loan and lease loss provision to assets | 0.9595% | 1,693 |
| Net operating income to assets | 0.0287% | 5,756 |
| Return on assets (ROA) | 0.0287% | 5,892 |
| Pretax return on assets | 0.0299% | 5,837 |
| Return on Equity (ROE) | 0.2953% | 5,881 |
| Retained earnings to average equity (ytd only) | 0.2953% | 5,432 |
| Net charge-offs to loans | 1.6182% | 1,341 |
| Credit loss provision to net charge-offs | 78.9370% | 5,592 |
| Earnings coverage of net charge-offs (x) | 0.8140% | 5,316 |
| Efficiency ratio | 78.3054% | 2,653 |
| Assets per employee ($millions) | 2.9758% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 3,790 |
| Loan loss allowance to noncurrent loans | 121.5139% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4534% | 4,149 |
| Noncurrent loans to loans | 1.2727% | 4,590 |
| Net loans and leases to total assets | 69.9119% | 2,552 |
| Net loans and leases to deposits | 83.0333% | 2,623 |
| Net loans and leases to core deposits | 84.9241% | 3,471 |
| Total domestic deposits to total assets | 84.1975% | 4,275 |
| Equity capital to assets | 9.6313% | 4,230 |
| Core capital (leverage) ratio | 8.8647% | 4,759 |
| Tier 1 risk-based capital ratio | 12.6008% | 4,934 |
| Total risk-based capital ratio | 13.8479% | 4,925 |
| Memoranda: | ||
| Average total assets | $83,585,000 | 5,478 |
| Average earning assets | $80,100,200 | 5,345 |
| Average equity | $8,127,800 | 5,675 |
| Average total loans | $62,786,600 | 4,963 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1847% | 3,915 |
| Cost of funding earning assets | 1.1597% | 5,087 |
| Net interest margin | 4.0250% | 2,984 |
| Noninterest income to average assets | 0.7188% | 2,713 |
| Noninterest expense to average assets | 3.4476% | 2,166 |
| Loan and lease loss provision to assets | 0.6965% | 2,203 |
| Net operating income to assets | 0.4288% | 4,632 |
| Return on assets (ROA) | 0.4288% | 4,811 |
| Pretax return on assets | 0.4303% | 5,141 |
| Return on Equity (ROE) | 4.3988% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.3988% | 3,398 |
| Net charge-offs to loans | 1.0153% | 1,981 |
| Credit loss provision to net charge-offs | 90.1031% | 4,759 |
| Earnings coverage of net charge-offs (x) | 1.4577% | 4,637 |
| Efficiency ratio | 75.3659% | 3,063 |
| Assets per employee ($millions) | 2.9768% | 6,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 2,964 |
| Loan loss allowance to noncurrent loans | 77.1592% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 2.0684% | 3,380 |
| Noncurrent loans to loans | 2.2718% | 3,362 |
| Net loans and leases to total assets | 72.6890% | 2,080 |
| Net loans and leases to deposits | 86.7263% | 2,198 |
| Net loans and leases to core deposits | 90.6869% | 2,999 |
| Total domestic deposits to total assets | 83.8142% | 4,227 |
| Equity capital to assets | 9.9795% | 4,180 |
| Core capital (leverage) ratio | 9.4761% | 3,937 |
| Tier 1 risk-based capital ratio | 11.8435% | 5,594 |
| Total risk-based capital ratio | 13.0986% | 5,570 |
| Memoranda: | ||
| Average total assets | $83,650,750 | 5,551 |
| Average earning assets | $80,131,000 | 5,402 |
| Average equity | $8,153,500 | 5,741 |
| Average total loans | $63,691,500 | 4,994 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2176% | 3,862 |
| Cost of funding earning assets | 1.2365% | 4,920 |
| Net interest margin | 3.9811% | 3,110 |
| Noninterest income to average assets | 0.6448% | 3,035 |
| Noninterest expense to average assets | 3.3671% | 2,349 |
| Loan and lease loss provision to assets | 0.4824% | 2,894 |
| Net operating income to assets | 0.6090% | 3,842 |
| Return on assets (ROA) | 0.6090% | 3,976 |
| Pretax return on assets | 0.6090% | 4,544 |
| Return on Equity (ROE) | 6.2973% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.2973% | 2,171 |
| Net charge-offs to loans | 0.5717% | 2,824 |
| Credit loss provision to net charge-offs | 109.7826% | 3,713 |
| Earnings coverage of net charge-offs (x) | 2.4837% | 3,753 |
| Efficiency ratio | 75.5222% | 3,157 |
| Assets per employee ($millions) | 2.9322% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 2,615 |
| Loan loss allowance to noncurrent loans | 41.4229% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 3.3727% | 2,086 |
| Noncurrent loans to loans | 4.4332% | 1,647 |
| Net loans and leases to total assets | 74.6800% | 1,772 |
| Net loans and leases to deposits | 90.5657% | 1,763 |
| Net loans and leases to core deposits | 94.1120% | 2,700 |
| Total domestic deposits to total assets | 82.4594% | 4,798 |
| Equity capital to assets | 10.0498% | 3,955 |
| Core capital (leverage) ratio | 9.4017% | 3,960 |
| Tier 1 risk-based capital ratio | 11.8221% | 5,469 |
| Total risk-based capital ratio | 13.0772% | 5,435 |
| Memoranda: | ||
| Average total assets | $83,750,670 | 5,572 |
| Average earning assets | $80,228,330 | 5,430 |
| Average equity | $8,098,670 | 5,762 |
| Average total loans | $64,366,000 | 5,005 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 3,769 |
| Cost of funding earning assets | 1.3220% | 4,676 |
| Net interest margin | 3.9315% | 3,191 |
| Noninterest income to average assets | 0.5959% | 3,299 |
| Noninterest expense to average assets | 3.2255% | 2,771 |
| Loan and lease loss provision to assets | 0.7804% | 1,617 |
| Net operating income to assets | 0.3594% | 5,026 |
| Return on assets (ROA) | 0.3594% | 5,155 |
| Pretax return on assets | 0.3594% | 5,417 |
| Return on Equity (ROE) | 3.7893% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.7893% | 3,868 |
| Net charge-offs to loans | 0.1470% | 4,050 |
| Credit loss provision to net charge-offs | 687.5000% | 645 |
| Earnings coverage of net charge-offs (x) | 10.0417% | 1,787 |
| Efficiency ratio | 73.8895% | 3,595 |
| Assets per employee ($millions) | 3.0159% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0047% | 2,174 |
| Loan loss allowance to noncurrent loans | 53.2495% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.8244% | 2,568 |
| Noncurrent loans to loans | 3.7648% | 2,108 |
| Net loans and leases to total assets | 73.5162% | 2,077 |
| Net loans and leases to deposits | 92.3810% | 1,557 |
| Net loans and leases to core deposits | 96.4709% | 2,532 |
| Total domestic deposits to total assets | 79.5794% | 5,921 |
| Equity capital to assets | 9.5732% | 4,418 |
| Core capital (leverage) ratio | 8.9413% | 4,665 |
| Tier 1 risk-based capital ratio | 11.9472% | 5,252 |
| Total risk-based capital ratio | 13.2173% | 5,189 |
| Memoranda: | ||
| Average total assets | $84,575,500 | 5,611 |
| Average earning assets | $81,089,000 | 5,467 |
| Average equity | $8,022,500 | 5,833 |
| Average total loans | $65,319,000 | 5,025 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7974% | 2,665 |
| Cost of funding earning assets | 1.9022% | 3,453 |
| Net interest margin | 3.8952% | 3,287 |
| Noninterest income to average assets | 0.7711% | 2,551 |
| Noninterest expense to average assets | 2.9217% | 4,456 |
| Loan and lease loss provision to assets | 1.2159% | 1,889 |
| Net operating income to assets | 0.3559% | 4,304 |
| Return on assets (ROA) | 0.7118% | 2,950 |
| Pretax return on assets | 0.7118% | 3,532 |
| Return on Equity (ROE) | 8.2674% | 2,273 |
| Retained earnings to average equity (ytd only) | 1.2376% | 4,175 |
| Net charge-offs to loans | 1.1145% | 2,198 |
| Credit loss provision to net charge-offs | 142.6546% | 3,381 |
| Earnings coverage of net charge-offs (x) | 1.8441% | 4,340 |
| Efficiency ratio | 65.0208% | 5,580 |
| Assets per employee ($millions) | 3.0253% | 6,159 |
| Cash dividends to net income (ytd only)* | 85.0309% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 2,972 |
| Loan loss allowance to noncurrent loans | 41.4312% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 3.2170% | 2,134 |
| Noncurrent loans to loans | 4.0498% | 1,830 |
| Net loans and leases to total assets | 78.1033% | 1,358 |
| Net loans and leases to deposits | 97.8828% | 1,115 |
| Net loans and leases to core deposits | 122.7941% | 1,730 |
| Total domestic deposits to total assets | 79.7927% | 5,733 |
| Equity capital to assets | 9.3983% | 4,560 |
| Core capital (leverage) ratio | 8.6118% | 5,076 |
| Tier 1 risk-based capital ratio | 11.1846% | 5,737 |
| Total risk-based capital ratio | 12.4464% | 5,681 |
| Memoranda: | ||
| Average total assets | $91,041,600 | 5,361 |
| Average earning assets | $87,003,800 | 5,228 |
| Average equity | $7,838,000 | 5,985 |
| Average total loans | $69,628,600 | 4,873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8581% | 2,636 |
| Cost of funding earning assets | 2.0240% | 3,241 |
| Net interest margin | 3.8341% | 3,504 |
| Noninterest income to average assets | 0.7715% | 2,592 |
| Noninterest expense to average assets | 2.8285% | 4,770 |
| Loan and lease loss provision to assets | 1.4855% | 1,292 |
| Net operating income to assets | 0.1224% | 5,402 |
| Return on assets (ROA) | 0.4030% | 4,492 |
| Pretax return on assets | 0.4030% | 4,796 |
| Return on Equity (ROE) | 4.7817% | 4,055 |
| Retained earnings to average equity (ytd only) | -4.6280% | 6,205 |
| Net charge-offs to loans | 1.3634% | 1,509 |
| Credit loss provision to net charge-offs | 143.7326% | 3,403 |
| Earnings coverage of net charge-offs (x) | 1.5557% | 4,621 |
| Efficiency ratio | 63.7573% | 5,800 |
| Assets per employee ($millions) | 3.2315% | 5,566 |
| Cash dividends to net income (ytd only)* | 196.7883% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 2,899 |
| Loan loss allowance to noncurrent loans | 27.3959% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 4.6521% | 1,295 |
| Noncurrent loans to loans | 5.9276% | 1,005 |
| Net loans and leases to total assets | 77.2080% | 1,739 |
| Net loans and leases to deposits | 97.1503% | 1,425 |
| Net loans and leases to core deposits | 122.8530% | 2,002 |
| Total domestic deposits to total assets | 79.4728% | 5,637 |
| Equity capital to assets | 8.8298% | 5,736 |
| Core capital (leverage) ratio | 7.8339% | 6,577 |
| Tier 1 risk-based capital ratio | 10.3121% | 6,666 |
| Total risk-based capital ratio | 11.5668% | 6,607 |
| Memoranda: | ||
| Average total assets | $92,625,250 | 5,345 |
| Average earning assets | $88,536,000 | 5,214 |
| Average equity | $7,807,250 | 6,048 |
| Average total loans | $70,213,750 | 4,903 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9000% | 2,582 |
| Cost of funding earning assets | 2.1310% | 3,127 |
| Net interest margin | 3.7690% | 3,683 |
| Noninterest income to average assets | 0.8049% | 2,384 |
| Noninterest expense to average assets | 2.8152% | 4,895 |
| Loan and lease loss provision to assets | 0.2118% | 4,926 |
| Net operating income to assets | 1.3832% | 1,062 |
| Return on assets (ROA) | 1.3832% | 1,129 |
| Pretax return on assets | 1.3896% | 1,753 |
| Return on Equity (ROE) | 16.6546% | 625 |
| Retained earnings to average equity (ytd only) | 9.2837% | 868 |
| Net charge-offs to loans | 0.1497% | 4,692 |
| Credit loss provision to net charge-offs | 188.6792% | 2,417 |
| Earnings coverage of net charge-offs (x) | 14.2642% | 1,670 |
| Efficiency ratio | 63.7410% | 5,961 |
| Assets per employee ($millions) | 3.3376% | 5,220 |
| Cash dividends to net income (ytd only)* | 44.2573% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,796 |
| Loan loss allowance to noncurrent loans | 115.2797% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 5,359 |
| Noncurrent loans to loans | 1.0612% | 5,090 |
| Net loans and leases to total assets | 75.7152% | 2,255 |
| Net loans and leases to deposits | 93.7599% | 2,130 |
| Net loans and leases to core deposits | 107.3052% | 3,691 |
| Total domestic deposits to total assets | 80.7544% | 5,169 |
| Equity capital to assets | 8.8665% | 5,501 |
| Core capital (leverage) ratio | 8.1002% | 6,168 |
| Tier 1 risk-based capital ratio | 10.9915% | 5,881 |
| Total risk-based capital ratio | 12.2025% | 5,867 |
| Memoranda: | ||
| Average total assets | $94,417,000 | 5,328 |
| Average earning assets | $90,474,000 | 5,181 |
| Average equity | $7,841,670 | 6,075 |
| Average total loans | $70,793,000 | 4,924 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7711% | 3,431 |
| Cost of funding earning assets | 2.2067% | 3,133 |
| Net interest margin | 3.5644% | 4,467 |
| Noninterest income to average assets | 0.8284% | 2,184 |
| Noninterest expense to average assets | 2.7172% | 4,923 |
| Loan and lease loss provision to assets | 0.1657% | 4,809 |
| Net operating income to assets | 1.3710% | 1,206 |
| Return on assets (ROA) | 1.3835% | 1,267 |
| Pretax return on assets | 1.3835% | 2,014 |
| Return on Equity (ROE) | 17.1999% | 667 |
| Retained earnings to average equity (ytd only) | 14.6765% | 450 |
| Net charge-offs to loans | 0.1619% | 3,671 |
| Credit loss provision to net charge-offs | 137.9310% | 2,942 |
| Earnings coverage of net charge-offs (x) | 12.7931% | 1,772 |
| Efficiency ratio | 63.8754% | 5,713 |
| Assets per employee ($millions) | 3.7375% | 4,258 |
| Cash dividends to net income (ytd only)* | 14.6707% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,270 |
| Loan loss allowance to noncurrent loans | 37.1954% | 6,071 |
| Noncurrent assets plus other real estate owned to assets | 2.2382% | 2,557 |
| Noncurrent loans to loans | 3.0339% | 2,151 |
| Net loans and leases to total assets | 72.9419% | 3,017 |
| Net loans and leases to deposits | 92.1215% | 2,574 |
| Net loans and leases to core deposits | 104.2750% | 4,111 |
| Total domestic deposits to total assets | 79.1800% | 5,653 |
| Equity capital to assets | 8.1090% | 6,666 |
| Core capital (leverage) ratio | 7.9178% | 6,590 |
| Tier 1 risk-based capital ratio | 9.6227% | 7,315 |
| Total risk-based capital ratio | 10.6483% | 7,466 |
| Memoranda: | ||
| Average total assets | $96,568,500 | 5,286 |
| Average earning assets | $92,807,000 | 5,121 |
| Average equity | $7,767,500 | 6,133 |
| Average total loans | $71,652,000 | 4,923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5757% | 2,601 |
| Cost of funding earning assets | 2.6223% | 3,568 |
| Net interest margin | 3.9534% | 3,343 |
| Noninterest income to average assets | 0.7611% | 2,717 |
| Noninterest expense to average assets | 2.7114% | 5,218 |
| Loan and lease loss provision to assets | 0.2483% | 4,431 |
| Net operating income to assets | 1.5622% | 904 |
| Return on assets (ROA) | 1.0841% | 2,128 |
| Pretax return on assets | 1.0841% | 3,074 |
| Return on Equity (ROE) | 13.4081% | 1,237 |
| Retained earnings to average equity (ytd only) | -8.2057% | 6,901 |
| Net charge-offs to loans | 0.1379% | 4,847 |
| Credit loss provision to net charge-offs | 246.2366% | 1,894 |
| Earnings coverage of net charge-offs (x) | 17.9570% | 1,732 |
| Efficiency ratio | 59.9616% | 6,344 |
| Assets per employee ($millions) | 3.4272% | 4,862 |
| Cash dividends to net income (ytd only)* | 161.2000% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,166 |
| Loan loss allowance to noncurrent loans | 113.3523% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7336% | 5,023 |
| Noncurrent loans to loans | 0.9831% | 4,629 |
| Net loans and leases to total assets | 73.7956% | 3,155 |
| Net loans and leases to deposits | 97.2413% | 2,244 |
| Net loans and leases to core deposits | 108.2384% | 3,940 |
| Total domestic deposits to total assets | 75.8892% | 6,273 |
| Equity capital to assets | 7.9772% | 6,878 |
| Core capital (leverage) ratio | 7.8068% | 6,791 |
| Tier 1 risk-based capital ratio | 9.9644% | 6,775 |
| Total risk-based capital ratio | 11.0528% | 6,847 |
| Memoranda: | ||
| Average total assets | $92,239,400 | 5,285 |
| Average earning assets | $87,747,800 | 5,159 |
| Average equity | $7,458,200 | 6,290 |
| Average total loans | $67,455,600 | 4,964 |