Home > Great American Bank > Performance and Condition Ratios
Great American 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 | 6.2644% | 454 |
| Cost of funding earning assets | 2.1148% | 752 |
| Net interest margin | 4.1496% | 1,010 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.2034% | 3,122 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.7407% | 679 |
| Return on assets (ROA) | 1.7623% | 620 |
| Pretax return on assets | 1.8170% | 867 |
| Return on Equity (ROE) | 12.9000% | 1,753 |
| Retained earnings to average equity (ytd only) | 5.4066% | 2,445 |
| Net charge-offs to loans | 0.0012% | 2,820 |
| Credit loss provision to net charge-offs | 7,500.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 1,870.5000% | 85 |
| Efficiency ratio | 53.1181% | 3,744 |
| Assets per employee ($millions) | 7.3899% | 1,815 |
| Cash dividends to net income (ytd only)* | 58.1039% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 3,768 |
| Loan loss allowance to noncurrent loans | 2,929.9065% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 3,523 |
| Noncurrent loans to loans | 0.0302% | 3,521 |
| Net loans and leases to total assets | 84.8900% | 217 |
| Net loans and leases to deposits | 120.5095% | 83 |
| Net loans and leases to core deposits | 128.6695% | 424 |
| Total domestic deposits to total assets | 70.4400% | 4,273 |
| Equity capital to assets | 13.6157% | 746 |
| Core capital (leverage) ratio | 10.4977% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $399,828,000 | 2,013 |
| Average earning assets | $367,410,000 | 2,020 |
| Average equity | $54,600,200 | 1,499 |
| Average total loans | $346,930,600 | 1,620 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1223% | 454 |
| Cost of funding earning assets | 2.0271% | 672 |
| Net interest margin | 4.0952% | 1,076 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.1534% | 3,206 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.7556% | 717 |
| Return on assets (ROA) | 1.7847% | 677 |
| Pretax return on assets | 1.8402% | 942 |
| Return on Equity (ROE) | 13.0600% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.6636% | 2,413 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.3100% | 3,736 |
| Assets per employee ($millions) | 7.5679% | 1,587 |
| Cash dividends to net income (ytd only)* | 48.9727% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8821% | 3,786 |
| Loan loss allowance to noncurrent loans | 2,946.1538% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 3,563 |
| Noncurrent loans to loans | 0.0299% | 3,560 |
| Net loans and leases to total assets | 82.7200% | 381 |
| Net loans and leases to deposits | 116.0077% | 109 |
| Net loans and leases to core deposits | 123.4263% | 472 |
| Total domestic deposits to total assets | 71.3000% | 4,283 |
| Equity capital to assets | 13.4674% | 728 |
| Core capital (leverage) ratio | 10.4422% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $396,327,000 | 2,020 |
| Average earning assets | $364,126,000 | 2,026 |
| Average equity | $54,163,750 | 1,501 |
| Average total loans | $345,055,500 | 1,625 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9759% | 452 |
| Cost of funding earning assets | 1.9185% | 581 |
| Net interest margin | 4.0574% | 1,146 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.1540% | 3,203 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.7258% | 746 |
| Return on assets (ROA) | 1.7691% | 693 |
| Pretax return on assets | 1.8245% | 967 |
| Return on Equity (ROE) | 12.8800% | 1,927 |
| Retained earnings to average equity (ytd only) | 3.6725% | 3,291 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.7063% | 3,722 |
| Assets per employee ($millions) | 7.5355% | 1,585 |
| Cash dividends to net income (ytd only)* | 71.4824% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 3,919 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 87.9300% | 81 |
| Net loans and leases to deposits | 119.4652% | 96 |
| Net loans and leases to core deposits | 126.4346% | 378 |
| Total domestic deposits to total assets | 73.6000% | 4,220 |
| Equity capital to assets | 13.6081% | 698 |
| Core capital (leverage) ratio | 10.1221% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $389,691,333 | 2,041 |
| Average earning assets | $357,470,000 | 2,059 |
| Average equity | $53,533,000 | 1,519 |
| Average total loans | $344,284,333 | 1,620 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7520% | 445 |
| Cost of funding earning assets | 1.6792% | 607 |
| Net interest margin | 4.0728% | 1,136 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.1931% | 3,118 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.7207% | 790 |
| Return on assets (ROA) | 1.8054% | 648 |
| Pretax return on assets | 1.8584% | 976 |
| Return on Equity (ROE) | 13.0800% | 1,967 |
| Retained earnings to average equity (ytd only) | -3.6969% | 4,278 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.2528% | 3,680 |
| Assets per employee ($millions) | 7.3822% | 1,690 |
| Cash dividends to net income (ytd only)* | 128.2671% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,009 |
| Loan loss allowance to noncurrent loans | 13,876.1905% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,845 |
| Noncurrent loans to loans | 0.0061% | 3,798 |
| Net loans and leases to total assets | 87.8500% | 77 |
| Net loans and leases to deposits | 126.1529% | 56 |
| Net loans and leases to core deposits | 131.0920% | 263 |
| Total domestic deposits to total assets | 69.6400% | 4,428 |
| Equity capital to assets | 13.5179% | 666 |
| Core capital (leverage) ratio | 10.2553% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $384,847,000 | 2,085 |
| Average earning assets | $352,782,000 | 2,106 |
| Average equity | $53,125,500 | 1,534 |
| Average total loans | $339,351,000 | 1,654 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4341% | 164 |
| Cost of funding earning assets | 0.6674% | 673 |
| Net interest margin | 4.7667% | 184 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.5702% | 1,905 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.9356% | 332 |
| Return on assets (ROA) | 1.9356% | 321 |
| Pretax return on assets | 1.9658% | 513 |
| Return on Equity (ROE) | 13.8700% | 1,564 |
| Retained earnings to average equity (ytd only) | 9.1316% | 1,445 |
| Net charge-offs to loans | 0.0007% | 2,569 |
| Credit loss provision to net charge-offs | 9,750.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 3,454.0000% | 41 |
| Efficiency ratio | 54.8486% | 3,705 |
| Assets per employee ($millions) | 7.1403% | 1,867 |
| Cash dividends to net income (ytd only)* | 34.1604% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 3,907 |
| Loan loss allowance to noncurrent loans | 11,829.1667% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 3,849 |
| Noncurrent loans to loans | 0.0072% | 3,808 |
| Net loans and leases to total assets | 87.0000% | 107 |
| Net loans and leases to deposits | 115.7149% | 99 |
| Net loans and leases to core deposits | 120.2151% | 366 |
| Total domestic deposits to total assets | 75.1800% | 4,304 |
| Equity capital to assets | 14.1004% | 566 |
| Core capital (leverage) ratio | 10.8816% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $341,492,200 | 2,256 |
| Average earning assets | $310,740,600 | 2,279 |
| Average equity | $47,658,800 | 1,683 |
| Average total loans | $282,311,000 | 1,802 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 128 |
| Cost of funding earning assets | 0.5416% | 603 |
| Net interest margin | 4.8368% | 139 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.5899% | 1,738 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 2.0498% | 266 |
| Return on assets (ROA) | 2.0498% | 270 |
| Pretax return on assets | 2.0843% | 395 |
| Return on Equity (ROE) | 14.7300% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.5997% | 1,784 |
| Net charge-offs to loans | 0.0010% | 2,288 |
| Credit loss provision to net charge-offs | 6,000.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 2,657.0000% | 45 |
| Efficiency ratio | 53.7390% | 3,841 |
| Assets per employee ($millions) | 6.7683% | 2,118 |
| Cash dividends to net income (ytd only)* | 41.6210% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 3,908 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 88.0900% | 60 |
| Net loans and leases to deposits | 107.2670% | 168 |
| Net loans and leases to core deposits | 110.9254% | 442 |
| Total domestic deposits to total assets | 82.1200% | 3,824 |
| Equity capital to assets | 14.7695% | 476 |
| Core capital (leverage) ratio | 10.7844% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $332,256,250 | 2,308 |
| Average earning assets | $301,792,250 | 2,350 |
| Average equity | $46,233,250 | 1,743 |
| Average total loans | $269,869,250 | 1,853 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 121 |
| Cost of funding earning assets | 0.4985% | 522 |
| Net interest margin | 4.7832% | 134 |
| Noninterest income to average assets | 0.3334% | 3,160 |
| Noninterest expense to average assets | 2.6405% | 1,524 |
| Loan and lease loss provision to assets | 0.0276% | 2,096 |
| Net operating income to assets | 1.9706% | 241 |
| Return on assets (ROA) | 1.9706% | 241 |
| Pretax return on assets | 2.0019% | 379 |
| Return on Equity (ROE) | 14.4819% | 1,006 |
| Retained earnings to average equity (ytd only) | 5.4922% | 2,516 |
| Net charge-offs to loans | 0.0016% | 2,066 |
| Credit loss provision to net charge-offs | 2,250.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 1,652.5000% | 69 |
| Efficiency ratio | 55.3978% | 3,837 |
| Assets per employee ($millions) | 6.5069% | 2,310 |
| Cash dividends to net income (ytd only)* | 62.0754% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 3,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 85.5846% | 104 |
| Net loans and leases to deposits | 100.4270% | 259 |
| Net loans and leases to core deposits | 103.6283% | 526 |
| Total domestic deposits to total assets | 85.2207% | 3,432 |
| Equity capital to assets | 14.5667% | 459 |
| Core capital (leverage) ratio | 10.6048% | 1,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,692,000 | 2,354 |
| Average earning assets | $295,285,667 | 2,408 |
| Average equity | $44,317,333 | 1,851 |
| Average total loans | $255,564,000 | 1,918 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 121 |
| Cost of funding earning assets | 0.5269% | 432 |
| Net interest margin | 4.6836% | 140 |
| Noninterest income to average assets | 0.3708% | 2,866 |
| Noninterest expense to average assets | 2.7763% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8146% | 319 |
| Return on assets (ROA) | 1.8146% | 322 |
| Pretax return on assets | 1.8235% | 522 |
| Return on Equity (ROE) | 13.8691% | 860 |
| Retained earnings to average equity (ytd only) | -4.0911% | 4,379 |
| Net charge-offs to loans | 0.0034% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 720.5000% | 131 |
| Efficiency ratio | 59.1747% | 3,564 |
| Assets per employee ($millions) | 6.8309% | 2,118 |
| Cash dividends to net income (ytd only)* | 129.4979% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.2467% | 723 |
| Net loans and leases to deposits | 85.7333% | 761 |
| Net loans and leases to core deposits | 88.1523% | 1,013 |
| Total domestic deposits to total assets | 85.4356% | 3,422 |
| Equity capital to assets | 13.7012% | 571 |
| Core capital (leverage) ratio | 9.5878% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,104,000 | 2,414 |
| Average earning assets | $285,421,500 | 2,475 |
| Average equity | $41,358,000 | 2,000 |
| Average total loans | $234,424,500 | 2,022 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 187 |
| Cost of funding earning assets | 0.6777% | 355 |
| Net interest margin | 4.5443% | 247 |
| Noninterest income to average assets | 0.4424% | 2,843 |
| Noninterest expense to average assets | 2.5276% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.0502% | 309 |
| Return on assets (ROA) | 2.0502% | 327 |
| Pretax return on assets | 2.1102% | 484 |
| Return on Equity (ROE) | 15.7819% | 791 |
| Retained earnings to average equity (ytd only) | 6.1232% | 2,306 |
| Net charge-offs to loans | 0.0373% | 1,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 68.1013% | 1,099 |
| Efficiency ratio | 54.4993% | 3,876 |
| Assets per employee ($millions) | 6.4418% | 2,380 |
| Cash dividends to net income (ytd only)* | 61.2015% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 73.4226% | 715 |
| Net loans and leases to deposits | 89.5880% | 580 |
| Net loans and leases to core deposits | 91.8012% | 891 |
| Total domestic deposits to total assets | 81.9559% | 3,974 |
| Equity capital to assets | 12.2917% | 1,134 |
| Core capital (leverage) ratio | 10.1553% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,949,600 | 2,692 |
| Average earning assets | $235,371,800 | 2,711 |
| Average equity | $33,120,200 | 2,380 |
| Average total loans | $211,808,800 | 2,163 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 174 |
| Cost of funding earning assets | 0.7025% | 377 |
| Net interest margin | 4.6947% | 228 |
| Noninterest income to average assets | 0.4650% | 2,774 |
| Noninterest expense to average assets | 2.5053% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2167% | 314 |
| Return on assets (ROA) | 2.2167% | 333 |
| Pretax return on assets | 2.2856% | 478 |
| Return on Equity (ROE) | 16.8121% | 797 |
| Retained earnings to average equity (ytd only) | 7.4108% | 2,267 |
| Net charge-offs to loans | 0.0050% | 2,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 534.5000% | 280 |
| Efficiency ratio | 52.2928% | 4,004 |
| Assets per employee ($millions) | 5.9824% | 2,715 |
| Cash dividends to net income (ytd only)* | 55.9199% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 82.7825% | 155 |
| Net loans and leases to deposits | 102.9714% | 172 |
| Net loans and leases to core deposits | 105.9004% | 408 |
| Total domestic deposits to total assets | 80.3937% | 4,180 |
| Equity capital to assets | 13.2376% | 922 |
| Core capital (leverage) ratio | 10.2360% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,437,250 | 2,749 |
| Average earning assets | $229,841,750 | 2,767 |
| Average equity | $32,888,250 | 2,421 |
| Average total loans | $213,254,500 | 2,181 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6094% | 149 |
| Cost of funding earning assets | 0.7220% | 414 |
| Net interest margin | 4.8874% | 199 |
| Noninterest income to average assets | 0.4716% | 2,748 |
| Noninterest expense to average assets | 2.4980% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3895% | 251 |
| Return on assets (ROA) | 2.3895% | 272 |
| Pretax return on assets | 2.4656% | 372 |
| Return on Equity (ROE) | 18.1477% | 630 |
| Retained earnings to average equity (ytd only) | 4.5292% | 3,350 |
| Net charge-offs to loans | 0.0075% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 380.3750% | 320 |
| Efficiency ratio | 50.3265% | 4,210 |
| Assets per employee ($millions) | 5.9557% | 2,664 |
| Cash dividends to net income (ytd only)* | 75.0424% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 84.3222% | 125 |
| Net loans and leases to deposits | 109.1580% | 119 |
| Net loans and leases to core deposits | 112.4415% | 310 |
| Total domestic deposits to total assets | 77.2479% | 4,496 |
| Equity capital to assets | 12.8710% | 990 |
| Core capital (leverage) ratio | 10.2573% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,835,000 | 2,756 |
| Average earning assets | $226,870,000 | 2,782 |
| Average equity | $32,500,000 | 2,427 |
| Average total loans | $212,449,333 | 2,190 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9624% | 113 |
| Cost of funding earning assets | 0.7619% | 426 |
| Net interest margin | 5.2005% | 151 |
| Noninterest income to average assets | 0.5698% | 2,327 |
| Noninterest expense to average assets | 2.5383% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7250% | 193 |
| Return on assets (ROA) | 2.7250% | 218 |
| Pretax return on assets | 2.8108% | 300 |
| Return on Equity (ROE) | 20.4531% | 505 |
| Retained earnings to average equity (ytd only) | 1.0536% | 4,203 |
| Net charge-offs to loans | 0.0191% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 170.2000% | 449 |
| Efficiency ratio | 47.4529% | 4,375 |
| Assets per employee ($millions) | 5.6152% | 3,005 |
| Cash dividends to net income (ytd only)* | 94.8485% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 83.8514% | 155 |
| Net loans and leases to deposits | 111.6500% | 124 |
| Net loans and leases to core deposits | 115.4517% | 295 |
| Total domestic deposits to total assets | 75.1020% | 4,620 |
| Equity capital to assets | 13.0782% | 892 |
| Core capital (leverage) ratio | 10.2028% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,205,000 | 2,782 |
| Average earning assets | $222,596,000 | 2,793 |
| Average equity | $32,269,000 | 2,429 |
| Average total loans | $209,343,000 | 2,217 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7605% | 125 |
| Cost of funding earning assets | 1.0040% | 586 |
| Net interest margin | 4.7565% | 189 |
| Noninterest income to average assets | 0.5581% | 2,385 |
| Noninterest expense to average assets | 2.7376% | 2,122 |
| Loan and lease loss provision to assets | 0.0823% | 3,351 |
| Net operating income to assets | 1.9981% | 264 |
| Return on assets (ROA) | 1.9981% | 281 |
| Pretax return on assets | 2.0733% | 386 |
| Return on Equity (ROE) | 14.7514% | 676 |
| Retained earnings to average equity (ytd only) | 8.0287% | 1,043 |
| Net charge-offs to loans | -0.0025% | 4,012 |
| Credit loss provision to net charge-offs | -3,720.0000% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9472% | 3,988 |
| Assets per employee ($millions) | 5.6510% | 2,685 |
| Cash dividends to net income (ytd only)* | 45.5733% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 86.8266% | 74 |
| Net loans and leases to deposits | 118.5667% | 82 |
| Net loans and leases to core deposits | 122.8830% | 278 |
| Total domestic deposits to total assets | 73.2302% | 4,672 |
| Equity capital to assets | 13.5779% | 908 |
| Core capital (leverage) ratio | 10.9258% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,113,800 | 2,755 |
| Average earning assets | $206,075,000 | 2,777 |
| Average equity | $30,627,600 | 2,452 |
| Average total loans | $198,399,200 | 2,247 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8910% | 125 |
| Cost of funding earning assets | 1.0481% | 643 |
| Net interest margin | 4.8429% | 187 |
| Noninterest income to average assets | 0.5738% | 2,284 |
| Noninterest expense to average assets | 2.6982% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1972% | 204 |
| Return on assets (ROA) | 2.1972% | 223 |
| Pretax return on assets | 2.2814% | 287 |
| Return on Equity (ROE) | 16.2318% | 524 |
| Retained earnings to average equity (ytd only) | 7.2822% | 1,595 |
| Net charge-offs to loans | -0.0034% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1847% | 4,125 |
| Assets per employee ($millions) | 5.3044% | 2,886 |
| Cash dividends to net income (ytd only)* | 55.1359% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 88.8531% | 64 |
| Net loans and leases to deposits | 117.6348% | 133 |
| Net loans and leases to core deposits | 121.3736% | 389 |
| Total domestic deposits to total assets | 75.5330% | 4,463 |
| Equity capital to assets | 13.7739% | 913 |
| Core capital (leverage) ratio | 10.5169% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,306,750 | 2,749 |
| Average earning assets | $203,151,750 | 2,782 |
| Average equity | $30,228,000 | 2,460 |
| Average total loans | $195,798,750 | 2,272 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0921% | 132 |
| Cost of funding earning assets | 1.0878% | 734 |
| Net interest margin | 5.0044% | 207 |
| Noninterest income to average assets | 0.5331% | 2,423 |
| Noninterest expense to average assets | 2.7080% | 2,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.2858% | 200 |
| Return on assets (ROA) | 2.2858% | 215 |
| Pretax return on assets | 2.3652% | 273 |
| Return on Equity (ROE) | 16.9887% | 456 |
| Retained earnings to average equity (ytd only) | 3.5801% | 3,138 |
| Net charge-offs to loans | -0.0052% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3784% | 4,245 |
| Assets per employee ($millions) | 5.6877% | 2,458 |
| Cash dividends to net income (ytd only)* | 78.9266% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 2,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 85.4008% | 162 |
| Net loans and leases to deposits | 111.4898% | 199 |
| Net loans and leases to core deposits | 114.8850% | 568 |
| Total domestic deposits to total assets | 76.5996% | 4,365 |
| Equity capital to assets | 12.9933% | 1,168 |
| Core capital (leverage) ratio | 10.1002% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,712,000 | 2,742 |
| Average earning assets | $201,145,000 | 2,769 |
| Average equity | $29,831,667 | 2,477 |
| Average total loans | $192,663,333 | 2,275 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7709% | 228 |
| Cost of funding earning assets | 1.1742% | 836 |
| Net interest margin | 4.5967% | 417 |
| Noninterest income to average assets | 0.5853% | 2,104 |
| Noninterest expense to average assets | 2.8393% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8799% | 347 |
| Return on assets (ROA) | 1.8799% | 386 |
| Pretax return on assets | 1.9151% | 554 |
| Return on Equity (ROE) | 13.7174% | 756 |
| Retained earnings to average equity (ytd only) | -4.6220% | 4,489 |
| Net charge-offs to loans | -0.0106% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7195% | 3,775 |
| Assets per employee ($millions) | 5.2973% | 2,325 |
| Cash dividends to net income (ytd only)* | 133.6946% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 1,852 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 84.6729% | 225 |
| Net loans and leases to deposits | 111.0265% | 173 |
| Net loans and leases to core deposits | 114.8448% | 628 |
| Total domestic deposits to total assets | 76.2636% | 4,452 |
| Equity capital to assets | 13.5480% | 1,205 |
| Core capital (leverage) ratio | 10.3106% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,969,500 | 2,738 |
| Average earning assets | $195,881,000 | 2,772 |
| Average equity | $29,597,500 | 2,482 |
| Average total loans | $188,149,500 | 2,277 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 249 |
| Cost of funding earning assets | 1.2450% | 912 |
| Net interest margin | 4.6905% | 483 |
| Noninterest income to average assets | 0.3908% | 3,357 |
| Noninterest expense to average assets | 2.7112% | 2,854 |
| Loan and lease loss provision to assets | 0.0236% | 3,549 |
| Net operating income to assets | 1.8933% | 435 |
| Return on assets (ROA) | 1.8933% | 452 |
| Pretax return on assets | 1.9406% | 679 |
| Return on Equity (ROE) | 14.1592% | 869 |
| Retained earnings to average equity (ytd only) | 7.6326% | 1,103 |
| Net charge-offs to loans | 0.0128% | 3,231 |
| Credit loss provision to net charge-offs | 208.3333% | 1,275 |
| Earnings coverage of net charge-offs (x) | 173.2083% | 439 |
| Efficiency ratio | 57.9889% | 3,964 |
| Assets per employee ($millions) | 5.2378% | 2,301 |
| Cash dividends to net income (ytd only)* | 46.0943% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 1,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 3,746 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 87.2297% | 112 |
| Net loans and leases to deposits | 115.6856% | 117 |
| Net loans and leases to core deposits | 119.5094% | 489 |
| Total domestic deposits to total assets | 75.4024% | 4,665 |
| Equity capital to assets | 13.8627% | 1,152 |
| Core capital (leverage) ratio | 10.4288% | 3,034 |
| Tier 1 risk-based capital ratio | 12.2204% | 4,234 |
| Total risk-based capital ratio | 13.4728% | 4,104 |
| Memoranda: | ||
| Average total assets | $211,637,200 | 2,740 |
| Average earning assets | $193,325,600 | 2,767 |
| Average equity | $28,299,600 | 2,481 |
| Average total loans | $187,969,800 | 2,247 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9332% | 274 |
| Cost of funding earning assets | 1.2453% | 925 |
| Net interest margin | 4.6879% | 508 |
| Noninterest income to average assets | 0.3813% | 3,430 |
| Noninterest expense to average assets | 2.6412% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9362% | 452 |
| Return on assets (ROA) | 1.9362% | 469 |
| Pretax return on assets | 2.0247% | 656 |
| Return on Equity (ROE) | 14.6161% | 864 |
| Retained earnings to average equity (ytd only) | 5.9381% | 2,402 |
| Net charge-offs to loans | 0.0164% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 139.1989% | 572 |
| Efficiency ratio | 56.6066% | 4,107 |
| Assets per employee ($millions) | 5.3201% | 2,194 |
| Cash dividends to net income (ytd only)* | 59.3730% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,032 |
| Loan loss allowance to noncurrent loans | 2,070.8333% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 3,645 |
| Noncurrent loans to loans | 0.0621% | 4,355 |
| Net loans and leases to total assets | 87.5003% | 115 |
| Net loans and leases to deposits | 121.2963% | 82 |
| Net loans and leases to core deposits | 124.9417% | 390 |
| Total domestic deposits to total assets | 72.1377% | 4,911 |
| Equity capital to assets | 13.2272% | 1,496 |
| Core capital (leverage) ratio | 10.0347% | 3,607 |
| Tier 1 risk-based capital ratio | 11.9364% | 4,445 |
| Total risk-based capital ratio | 13.1890% | 4,334 |
| Memoranda: | ||
| Average total assets | $210,859,250 | 2,767 |
| Average earning assets | $192,718,500 | 2,793 |
| Average equity | $27,932,000 | 2,517 |
| Average total loans | $187,497,500 | 2,281 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9636% | 251 |
| Cost of funding earning assets | 1.2433% | 886 |
| Net interest margin | 4.7203% | 473 |
| Noninterest income to average assets | 0.3704% | 3,463 |
| Noninterest expense to average assets | 2.6454% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9526% | 420 |
| Return on assets (ROA) | 1.9526% | 444 |
| Pretax return on assets | 2.0419% | 627 |
| Return on Equity (ROE) | 14.7329% | 812 |
| Retained earnings to average equity (ytd only) | 1.7086% | 4,205 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4381% | 4,196 |
| Assets per employee ($millions) | 5.1108% | 2,347 |
| Cash dividends to net income (ytd only)* | 88.4029% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 1,782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 86.9268% | 158 |
| Net loans and leases to deposits | 113.5458% | 151 |
| Net loans and leases to core deposits | 117.0902% | 642 |
| Total domestic deposits to total assets | 76.5566% | 4,615 |
| Equity capital to assets | 13.2851% | 1,445 |
| Core capital (leverage) ratio | 9.7868% | 3,840 |
| Tier 1 risk-based capital ratio | 11.5942% | 4,636 |
| Total risk-based capital ratio | 12.8473% | 4,527 |
| Memoranda: | ||
| Average total assets | $208,437,000 | 2,798 |
| Average earning assets | $190,623,330 | 2,820 |
| Average equity | $27,625,330 | 2,527 |
| Average total loans | $185,548,000 | 2,297 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9496% | 237 |
| Cost of funding earning assets | 1.2442% | 783 |
| Net interest margin | 4.7053% | 489 |
| Noninterest income to average assets | 0.3810% | 3,320 |
| Noninterest expense to average assets | 2.6072% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9838% | 397 |
| Return on assets (ROA) | 1.9838% | 413 |
| Pretax return on assets | 2.0742% | 560 |
| Return on Equity (ROE) | 14.9860% | 751 |
| Retained earnings to average equity (ytd only) | -1.5262% | 4,709 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6926% | 4,371 |
| Assets per employee ($millions) | 5.3673% | 2,106 |
| Cash dividends to net income (ytd only)* | 110.1843% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,847 |
| Loan loss allowance to noncurrent loans | 1,177.4648% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,305 |
| Noncurrent loans to loans | 0.1151% | 4,223 |
| Net loans and leases to total assets | 87.1778% | 138 |
| Net loans and leases to deposits | 111.8477% | 180 |
| Net loans and leases to core deposits | 114.8861% | 694 |
| Total domestic deposits to total assets | 77.9433% | 4,525 |
| Equity capital to assets | 13.1265% | 1,382 |
| Core capital (leverage) ratio | 9.3749% | 4,292 |
| Tier 1 risk-based capital ratio | 11.3107% | 4,834 |
| Total risk-based capital ratio | 12.5635% | 4,742 |
| Memoranda: | ||
| Average total assets | $207,884,000 | 2,831 |
| Average earning assets | $189,997,000 | 2,852 |
| Average equity | $27,519,000 | 2,544 |
| Average total loans | $185,993,500 | 2,309 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6277% | 317 |
| Cost of funding earning assets | 1.0086% | 729 |
| Net interest margin | 4.6191% | 581 |
| Noninterest income to average assets | 0.4397% | 3,169 |
| Noninterest expense to average assets | 2.9096% | 2,315 |
| Loan and lease loss provision to assets | 0.0751% | 2,623 |
| Net operating income to assets | 1.6185% | 831 |
| Return on assets (ROA) | 1.6185% | 827 |
| Pretax return on assets | 1.6751% | 1,231 |
| Return on Equity (ROE) | 12.1904% | 1,645 |
| Retained earnings to average equity (ytd only) | 5.5219% | 2,470 |
| Net charge-offs to loans | -0.0051% | 4,356 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2354% | 3,481 |
| Assets per employee ($millions) | 5.0352% | 2,450 |
| Cash dividends to net income (ytd only)* | 54.7030% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 1,867 |
| Loan loss allowance to noncurrent loans | 1,188.6256% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 4,315 |
| Noncurrent loans to loans | 0.1128% | 4,225 |
| Net loans and leases to total assets | 89.3642% | 73 |
| Net loans and leases to deposits | 120.3100% | 95 |
| Net loans and leases to core deposits | 123.5531% | 456 |
| Total domestic deposits to total assets | 74.2783% | 4,928 |
| Equity capital to assets | 13.3504% | 1,204 |
| Core capital (leverage) ratio | 9.6330% | 3,966 |
| Tier 1 risk-based capital ratio | 10.8575% | 5,041 |
| Total risk-based capital ratio | 12.1091% | 4,925 |
| Memoranda: | ||
| Average total assets | $199,685,600 | 2,874 |
| Average earning assets | $182,437,000 | 2,892 |
| Average equity | $26,512,600 | 2,540 |
| Average total loans | $177,741,400 | 2,350 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 330 |
| Cost of funding earning assets | 0.9536% | 736 |
| Net interest margin | 4.5920% | 610 |
| Noninterest income to average assets | 0.4626% | 3,083 |
| Noninterest expense to average assets | 2.8592% | 2,434 |
| Loan and lease loss provision to assets | 0.0458% | 3,073 |
| Net operating income to assets | 1.6970% | 749 |
| Return on assets (ROA) | 1.6970% | 750 |
| Pretax return on assets | 1.7535% | 1,130 |
| Return on Equity (ROE) | 12.7995% | 1,504 |
| Retained earnings to average equity (ytd only) | 3.9465% | 3,799 |
| Net charge-offs to loans | -0.0030% | 4,138 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1015% | 3,648 |
| Assets per employee ($millions) | 4.7943% | 2,726 |
| Cash dividends to net income (ytd only)* | 69.1665% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 1,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 89.1174% | 106 |
| Net loans and leases to deposits | 119.0379% | 111 |
| Net loans and leases to core deposits | 121.3793% | 533 |
| Total domestic deposits to total assets | 74.8648% | 4,899 |
| Equity capital to assets | 13.3399% | 1,194 |
| Core capital (leverage) ratio | 9.7602% | 3,888 |
| Tier 1 risk-based capital ratio | 10.9743% | 5,046 |
| Total risk-based capital ratio | 12.2264% | 4,941 |
| Memoranda: | ||
| Average total assets | $197,996,000 | 2,910 |
| Average earning assets | $180,919,250 | 2,938 |
| Average equity | $26,250,500 | 2,566 |
| Average total loans | $175,428,000 | 2,382 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 338 |
| Cost of funding earning assets | 0.9380% | 615 |
| Net interest margin | 4.5292% | 653 |
| Noninterest income to average assets | 0.5100% | 2,804 |
| Noninterest expense to average assets | 2.9542% | 2,189 |
| Loan and lease loss provision to assets | 0.0305% | 3,301 |
| Net operating income to assets | 1.6264% | 859 |
| Return on assets (ROA) | 1.6264% | 864 |
| Pretax return on assets | 1.6701% | 1,298 |
| Return on Equity (ROE) | 12.2932% | 1,623 |
| Retained earnings to average equity (ytd only) | -0.1152% | 4,975 |
| Net charge-offs to loans | -0.0035% | 4,034 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1165% | 3,449 |
| Assets per employee ($millions) | 4.7942% | 2,690 |
| Cash dividends to net income (ytd only)* | 100.9369% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 88.4674% | 123 |
| Net loans and leases to deposits | 115.2661% | 169 |
| Net loans and leases to core deposits | 117.5220% | 653 |
| Total domestic deposits to total assets | 76.7506% | 4,762 |
| Equity capital to assets | 13.2654% | 1,199 |
| Core capital (leverage) ratio | 9.3046% | 4,359 |
| Tier 1 risk-based capital ratio | 10.8737% | 5,120 |
| Total risk-based capital ratio | 12.1262% | 5,007 |
| Memoranda: | ||
| Average total assets | $196,875,000 | 2,936 |
| Average earning assets | $180,165,330 | 2,963 |
| Average equity | $26,047,000 | 2,583 |
| Average total loans | $173,281,670 | 2,417 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 365 |
| Cost of funding earning assets | 0.9360% | 497 |
| Net interest margin | 4.4124% | 751 |
| Noninterest income to average assets | 0.5806% | 2,360 |
| Noninterest expense to average assets | 2.9051% | 2,349 |
| Loan and lease loss provision to assets | 0.0609% | 2,559 |
| Net operating income to assets | 1.6485% | 765 |
| Return on assets (ROA) | 1.6485% | 768 |
| Pretax return on assets | 1.6627% | 1,215 |
| Return on Equity (ROE) | 12.4765% | 1,420 |
| Retained earnings to average equity (ytd only) | -2.3048% | 5,035 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4123% | 3,715 |
| Assets per employee ($millions) | 4.9880% | 2,509 |
| Cash dividends to net income (ytd only)* | 118.4729% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 83.8436% | 452 |
| Net loans and leases to deposits | 107.2224% | 333 |
| Net loans and leases to core deposits | 117.3891% | 676 |
| Total domestic deposits to total assets | 78.1960% | 4,702 |
| Equity capital to assets | 13.0043% | 1,240 |
| Core capital (leverage) ratio | 9.2958% | 4,330 |
| Tier 1 risk-based capital ratio | 11.3638% | 4,946 |
| Total risk-based capital ratio | 12.6169% | 4,843 |
| Memoranda: | ||
| Average total assets | $197,030,500 | 2,957 |
| Average earning assets | $180,765,000 | 2,983 |
| Average equity | $26,033,000 | 2,613 |
| Average total loans | $171,784,000 | 2,452 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4397% | 291 |
| Cost of funding earning assets | 0.8915% | 391 |
| Net interest margin | 4.5481% | 554 |
| Noninterest income to average assets | 0.4129% | 3,548 |
| Noninterest expense to average assets | 2.9743% | 2,234 |
| Loan and lease loss provision to assets | 0.0535% | 3,167 |
| Net operating income to assets | 1.4879% | 827 |
| Return on assets (ROA) | 1.4879% | 849 |
| Pretax return on assets | 1.5382% | 1,493 |
| Return on Equity (ROE) | 11.0721% | 1,446 |
| Retained earnings to average equity (ytd only) | 3.2811% | 3,340 |
| Net charge-offs to loans | -0.0025% | 4,548 |
| Credit loss provision to net charge-offs | -2,525.0000% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4795% | 3,534 |
| Assets per employee ($millions) | 4.9883% | 2,492 |
| Cash dividends to net income (ytd only)* | 70.3664% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 1,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 88.1846% | 129 |
| Net loans and leases to deposits | 114.3668% | 170 |
| Net loans and leases to core deposits | 125.7298% | 443 |
| Total domestic deposits to total assets | 77.1069% | 4,845 |
| Equity capital to assets | 13.4263% | 1,092 |
| Core capital (leverage) ratio | 9.4759% | 4,077 |
| Tier 1 risk-based capital ratio | 11.0011% | 5,146 |
| Total risk-based capital ratio | 12.2537% | 5,026 |
| Memoranda: | ||
| Average total assets | $188,920,200 | 3,030 |
| Average earning assets | $172,511,000 | 3,041 |
| Average equity | $25,388,200 | 2,651 |
| Average total loans | $160,581,800 | 2,545 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4047% | 297 |
| Cost of funding earning assets | 0.8969% | 350 |
| Net interest margin | 4.5078% | 592 |
| Noninterest income to average assets | 0.4238% | 3,527 |
| Noninterest expense to average assets | 2.8918% | 2,439 |
| Loan and lease loss provision to assets | 0.0469% | 3,167 |
| Net operating income to assets | 1.5508% | 803 |
| Return on assets (ROA) | 1.5508% | 823 |
| Pretax return on assets | 1.5984% | 1,431 |
| Return on Equity (ROE) | 11.5370% | 1,477 |
| Retained earnings to average equity (ytd only) | 1.2378% | 4,910 |
| Net charge-offs to loans | -0.0034% | 4,391 |
| Credit loss provision to net charge-offs | -1,650.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0622% | 3,701 |
| Assets per employee ($millions) | 4.8474% | 2,629 |
| Cash dividends to net income (ytd only)* | 89.2711% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 4,341 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 86.3861% | 235 |
| Net loans and leases to deposits | 108.9899% | 309 |
| Net loans and leases to core deposits | 120.0467% | 587 |
| Total domestic deposits to total assets | 79.2606% | 4,485 |
| Equity capital to assets | 13.1740% | 1,309 |
| Core capital (leverage) ratio | 9.2944% | 4,414 |
| Tier 1 risk-based capital ratio | 10.8747% | 5,308 |
| Total risk-based capital ratio | 12.1276% | 5,207 |
| Memoranda: | ||
| Average total assets | $187,514,500 | 3,075 |
| Average earning assets | $171,104,750 | 3,083 |
| Average equity | $25,205,250 | 2,688 |
| Average total loans | $157,250,750 | 2,595 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 291 |
| Cost of funding earning assets | 0.8841% | 338 |
| Net interest margin | 4.4867% | 584 |
| Noninterest income to average assets | 0.4261% | 3,517 |
| Noninterest expense to average assets | 2.8718% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6053% | 700 |
| Return on assets (ROA) | 1.6053% | 721 |
| Pretax return on assets | 1.6441% | 1,214 |
| Return on Equity (ROE) | 11.8602% | 1,340 |
| Retained earnings to average equity (ytd only) | -3.4114% | 5,461 |
| Net charge-offs to loans | -0.0026% | 4,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9001% | 3,834 |
| Assets per employee ($millions) | 5.0644% | 2,317 |
| Cash dividends to net income (ytd only)* | 128.7634% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 4,409 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 81.7956% | 693 |
| Net loans and leases to deposits | 104.9742% | 446 |
| Net loans and leases to core deposits | 116.1016% | 706 |
| Total domestic deposits to total assets | 77.9197% | 4,828 |
| Equity capital to assets | 12.9318% | 1,402 |
| Core capital (leverage) ratio | 9.0966% | 4,618 |
| Tier 1 risk-based capital ratio | 10.6283% | 5,412 |
| Total risk-based capital ratio | 11.8804% | 5,337 |
| Memoranda: | ||
| Average total assets | $185,387,000 | 3,103 |
| Average earning assets | $168,987,670 | 3,124 |
| Average equity | $25,092,330 | 2,697 |
| Average total loans | $153,062,670 | 2,646 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4451% | 253 |
| Cost of funding earning assets | 0.8580% | 365 |
| Net interest margin | 4.5871% | 449 |
| Noninterest income to average assets | 0.4531% | 3,296 |
| Noninterest expense to average assets | 2.9518% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6716% | 584 |
| Return on assets (ROA) | 1.6716% | 598 |
| Pretax return on assets | 1.6760% | 1,057 |
| Return on Equity (ROE) | 12.0659% | 1,214 |
| Retained earnings to average equity (ytd only) | -3.3181% | 5,280 |
| Net charge-offs to loans | -0.0027% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1179% | 3,968 |
| Assets per employee ($millions) | 4.5246% | 3,126 |
| Cash dividends to net income (ytd only)* | 127.5000% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,823 |
| Loan loss allowance to noncurrent loans | 5,758.9744% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 4,336 |
| Noncurrent loans to loans | 0.0254% | 5,119 |
| Net loans and leases to total assets | 81.6697% | 606 |
| Net loans and leases to deposits | 101.7564% | 509 |
| Net loans and leases to core deposits | 114.4948% | 654 |
| Total domestic deposits to total assets | 80.2600% | 4,571 |
| Equity capital to assets | 13.5273% | 1,062 |
| Core capital (leverage) ratio | 9.7171% | 3,851 |
| Tier 1 risk-based capital ratio | 11.2646% | 5,158 |
| Total risk-based capital ratio | 12.5174% | 5,065 |
| Memoranda: | ||
| Average total assets | $181,856,500 | 3,165 |
| Average earning assets | $165,507,000 | 3,199 |
| Average equity | $25,195,000 | 2,701 |
| Average total loans | $149,763,500 | 2,703 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 380 |
| Cost of funding earning assets | 0.8390% | 411 |
| Net interest margin | 4.4144% | 753 |
| Noninterest income to average assets | 0.7116% | 2,126 |
| Noninterest expense to average assets | 3.0494% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5850% | 704 |
| Return on assets (ROA) | 1.5778% | 747 |
| Pretax return on assets | 1.6355% | 1,179 |
| Return on Equity (ROE) | 11.1296% | 1,533 |
| Retained earnings to average equity (ytd only) | 4.0179% | 3,060 |
| Net charge-offs to loans | -0.0155% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2848% | 3,886 |
| Assets per employee ($millions) | 4.4552% | 3,181 |
| Cash dividends to net income (ytd only)* | 63.8990% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5400% | 1,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 4,486 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.5433% | 807 |
| Net loans and leases to deposits | 102.1464% | 529 |
| Net loans and leases to core deposits | 110.2218% | 886 |
| Total domestic deposits to total assets | 78.8509% | 4,823 |
| Equity capital to assets | 14.1948% | 827 |
| Core capital (leverage) ratio | 10.0445% | 3,432 |
| Tier 1 risk-based capital ratio | 12.2500% | 4,537 |
| Total risk-based capital ratio | 13.5048% | 4,415 |
| Memoranda: | ||
| Average total assets | $173,279,000 | 3,242 |
| Average earning assets | $156,262,200 | 3,291 |
| Average equity | $24,565,200 | 2,754 |
| Average total loans | $141,569,600 | 2,758 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2727% | 384 |
| Cost of funding earning assets | 0.8248% | 437 |
| Net interest margin | 4.4479% | 701 |
| Noninterest income to average assets | 0.7153% | 2,101 |
| Noninterest expense to average assets | 2.9650% | 2,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6956% | 596 |
| Return on assets (ROA) | 1.6956% | 633 |
| Pretax return on assets | 1.7537% | 990 |
| Return on Equity (ROE) | 11.9646% | 1,339 |
| Retained earnings to average equity (ytd only) | 2.6959% | 4,284 |
| Net charge-offs to loans | -0.0171% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1284% | 4,207 |
| Assets per employee ($millions) | 4.5139% | 3,064 |
| Cash dividends to net income (ytd only)* | 77.4679% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 1,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 4,593 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.1861% | 866 |
| Net loans and leases to deposits | 101.9220% | 580 |
| Net loans and leases to core deposits | 116.7294% | 629 |
| Total domestic deposits to total assets | 78.6740% | 4,793 |
| Equity capital to assets | 14.1056% | 999 |
| Core capital (leverage) ratio | 9.7814% | 3,829 |
| Tier 1 risk-based capital ratio | 12.4998% | 4,477 |
| Total risk-based capital ratio | 13.7550% | 4,372 |
| Memoranda: | ||
| Average total assets | $172,047,250 | 3,266 |
| Average earning assets | $154,855,750 | 3,326 |
| Average equity | $24,382,500 | 2,790 |
| Average total loans | $140,517,500 | 2,775 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 397 |
| Cost of funding earning assets | 0.8067% | 477 |
| Net interest margin | 4.4371% | 706 |
| Noninterest income to average assets | 0.7064% | 2,118 |
| Noninterest expense to average assets | 2.9113% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7280% | 546 |
| Return on assets (ROA) | 1.7280% | 577 |
| Pretax return on assets | 1.7772% | 924 |
| Return on Equity (ROE) | 12.1736% | 1,249 |
| Retained earnings to average equity (ytd only) | -1.4691% | 5,489 |
| Net charge-offs to loans | -0.0100% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4943% | 4,429 |
| Assets per employee ($millions) | 4.4428% | 3,126 |
| Cash dividends to net income (ytd only)* | 112.0678% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 4,641 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.5605% | 820 |
| Net loans and leases to deposits | 102.2158% | 548 |
| Net loans and leases to core deposits | 117.1955% | 605 |
| Total domestic deposits to total assets | 78.8141% | 4,826 |
| Equity capital to assets | 13.9504% | 1,042 |
| Core capital (leverage) ratio | 9.6089% | 4,054 |
| Tier 1 risk-based capital ratio | 12.0867% | 4,771 |
| Total risk-based capital ratio | 13.3423% | 4,693 |
| Memoranda: | ||
| Average total assets | $170,715,330 | 3,301 |
| Average earning assets | $153,207,330 | 3,370 |
| Average equity | $24,232,670 | 2,811 |
| Average total loans | $139,555,670 | 2,796 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 399 |
| Cost of funding earning assets | 0.7782% | 550 |
| Net interest margin | 4.4429% | 677 |
| Noninterest income to average assets | 0.9750% | 1,138 |
| Noninterest expense to average assets | 2.9321% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0019% | 332 |
| Return on assets (ROA) | 2.0019% | 347 |
| Pretax return on assets | 2.0326% | 530 |
| Return on Equity (ROE) | 13.9801% | 836 |
| Retained earnings to average equity (ytd only) | -2.2586% | 5,408 |
| Net charge-offs to loans | -0.0173% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3928% | 4,953 |
| Assets per employee ($millions) | 4.2804% | 3,437 |
| Cash dividends to net income (ytd only)* | 116.1557% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 1,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,841 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 79.6123% | 871 |
| Net loans and leases to deposits | 101.2870% | 545 |
| Net loans and leases to core deposits | 115.5807% | 611 |
| Total domestic deposits to total assets | 78.6007% | 5,047 |
| Equity capital to assets | 14.1354% | 933 |
| Core capital (leverage) ratio | 9.7169% | 3,888 |
| Tier 1 risk-based capital ratio | 12.3191% | 4,717 |
| Total risk-based capital ratio | 13.5768% | 4,605 |
| Memoranda: | ||
| Average total assets | $169,437,500 | 3,333 |
| Average earning assets | $152,152,000 | 3,388 |
| Average equity | $24,263,000 | 2,809 |
| Average total loans | $138,424,500 | 2,814 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 346 |
| Cost of funding earning assets | 0.7502% | 639 |
| Net interest margin | 4.5948% | 553 |
| Noninterest income to average assets | 0.7253% | 2,089 |
| Noninterest expense to average assets | 3.1061% | 2,217 |
| Loan and lease loss provision to assets | 0.1494% | 1,574 |
| Net operating income to assets | 1.5098% | 849 |
| Return on assets (ROA) | 1.5098% | 880 |
| Pretax return on assets | 1.5652% | 1,357 |
| Return on Equity (ROE) | 10.2420% | 1,903 |
| Retained earnings to average equity (ytd only) | 4.8486% | 2,528 |
| Net charge-offs to loans | -0.0008% | 4,830 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6962% | 4,328 |
| Assets per employee ($millions) | 4.4121% | 3,191 |
| Cash dividends to net income (ytd only)* | 52.6598% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,877 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.1695% | 681 |
| Net loans and leases to deposits | 103.8959% | 446 |
| Net loans and leases to core deposits | 116.7666% | 583 |
| Total domestic deposits to total assets | 78.1258% | 5,140 |
| Equity capital to assets | 14.5080% | 770 |
| Core capital (leverage) ratio | 9.8831% | 3,664 |
| Tier 1 risk-based capital ratio | 12.5016% | 4,632 |
| Total risk-based capital ratio | 13.7578% | 4,521 |
| Memoranda: | ||
| Average total assets | $160,617,000 | 3,422 |
| Average earning assets | $143,162,200 | 3,496 |
| Average equity | $23,677,000 | 2,816 |
| Average total loans | $130,150,400 | 2,887 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3724% | 334 |
| Cost of funding earning assets | 0.7410% | 680 |
| Net interest margin | 4.6314% | 517 |
| Noninterest income to average assets | 0.9409% | 1,340 |
| Noninterest expense to average assets | 3.1466% | 2,095 |
| Loan and lease loss provision to assets | 0.1427% | 1,548 |
| Net operating income to assets | 1.7122% | 606 |
| Return on assets (ROA) | 1.7122% | 634 |
| Pretax return on assets | 1.7751% | 940 |
| Return on Equity (ROE) | 11.5667% | 1,508 |
| Retained earnings to average equity (ytd only) | 4.7684% | 3,075 |
| Net charge-offs to loans | -0.0010% | 4,666 |
| Credit loss provision to net charge-offs | -17,000.0000% | 5,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4186% | 4,657 |
| Assets per employee ($millions) | 4.5281% | 2,954 |
| Cash dividends to net income (ytd only)* | 58.7747% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,788 |
| Loan loss allowance to noncurrent loans | 703.5948% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 4,750 |
| Noncurrent loans to loans | 0.2277% | 4,747 |
| Net loans and leases to total assets | 78.9238% | 970 |
| Net loans and leases to deposits | 101.0276% | 605 |
| Net loans and leases to core deposits | 115.6545% | 603 |
| Total domestic deposits to total assets | 78.1210% | 5,159 |
| Equity capital to assets | 14.3422% | 904 |
| Core capital (leverage) ratio | 9.8027% | 3,897 |
| Tier 1 risk-based capital ratio | 11.9272% | 5,123 |
| Total risk-based capital ratio | 13.1818% | 5,039 |
| Memoranda: | ||
| Average total assets | $158,856,500 | 3,478 |
| Average earning assets | $141,435,500 | 3,553 |
| Average equity | $23,515,250 | 2,855 |
| Average total loans | $128,110,250 | 2,937 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4569% | 286 |
| Cost of funding earning assets | 0.7248% | 740 |
| Net interest margin | 4.7321% | 417 |
| Noninterest income to average assets | 1.2747% | 752 |
| Noninterest expense to average assets | 3.2905% | 1,734 |
| Loan and lease loss provision to assets | 0.1795% | 1,138 |
| Net operating income to assets | 1.9338% | 410 |
| Return on assets (ROA) | 1.9338% | 425 |
| Pretax return on assets | 1.9992% | 593 |
| Return on Equity (ROE) | 12.9198% | 1,132 |
| Retained earnings to average equity (ytd only) | 3.2899% | 3,955 |
| Net charge-offs to loans | 0.0016% | 3,852 |
| Credit loss provision to net charge-offs | 14,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,699.0000% | 31 |
| Efficiency ratio | 59.4842% | 5,049 |
| Assets per employee ($millions) | 4.2315% | 3,412 |
| Cash dividends to net income (ytd only)* | 74.5358% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 1,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 5,570 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 80.8586% | 691 |
| Net loans and leases to deposits | 104.2730% | 437 |
| Net loans and leases to core deposits | 118.1626% | 523 |
| Total domestic deposits to total assets | 77.5451% | 5,370 |
| Equity capital to assets | 14.6414% | 787 |
| Core capital (leverage) ratio | 9.9252% | 3,710 |
| Tier 1 risk-based capital ratio | 11.3094% | 5,575 |
| Total risk-based capital ratio | 12.5632% | 5,498 |
| Memoranda: | ||
| Average total assets | $155,962,000 | 3,546 |
| Average earning assets | $138,247,670 | 3,628 |
| Average equity | $23,344,000 | 2,881 |
| Average total loans | $126,019,670 | 2,984 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6173% | 218 |
| Cost of funding earning assets | 0.7188% | 778 |
| Net interest margin | 4.8985% | 298 |
| Noninterest income to average assets | 0.3960% | 4,037 |
| Noninterest expense to average assets | 3.1600% | 2,088 |
| Loan and lease loss provision to assets | 0.0782% | 2,391 |
| Net operating income to assets | 1.4510% | 938 |
| Return on assets (ROA) | 1.4510% | 999 |
| Pretax return on assets | 1.4719% | 1,652 |
| Return on Equity (ROE) | 9.5851% | 2,183 |
| Retained earnings to average equity (ytd only) | 2.1683% | 4,597 |
| Net charge-offs to loans | 0.1464% | 1,367 |
| Credit loss provision to net charge-offs | 66.6667% | 1,941 |
| Earnings coverage of net charge-offs (x) | 13.2222% | 1,737 |
| Efficiency ratio | 66.3164% | 4,095 |
| Assets per employee ($millions) | 4.2175% | 3,531 |
| Cash dividends to net income (ytd only)* | 77.3788% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 2,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 5,617 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 78.2847% | 881 |
| Net loans and leases to deposits | 100.7379% | 522 |
| Net loans and leases to core deposits | 112.1016% | 649 |
| Total domestic deposits to total assets | 77.7113% | 5,503 |
| Equity capital to assets | 14.5497% | 820 |
| Core capital (leverage) ratio | 10.2727% | 3,249 |
| Tier 1 risk-based capital ratio | 11.2540% | 5,686 |
| Total risk-based capital ratio | 12.5068% | 5,601 |
| Memoranda: | ||
| Average total assets | $153,544,000 | 3,597 |
| Average earning assets | $135,225,000 | 3,699 |
| Average equity | $23,244,500 | 2,908 |
| Average total loans | $122,959,500 | 3,038 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7602% | 209 |
| Cost of funding earning assets | 0.7014% | 1,100 |
| Net interest margin | 5.0587% | 270 |
| Noninterest income to average assets | 0.3500% | 4,602 |
| Noninterest expense to average assets | 3.4011% | 1,696 |
| Loan and lease loss provision to assets | 0.0858% | 2,752 |
| Net operating income to assets | 1.2074% | 1,562 |
| Return on assets (ROA) | 1.2074% | 1,620 |
| Pretax return on assets | 1.2631% | 2,379 |
| Return on Equity (ROE) | 7.8869% | 3,194 |
| Retained earnings to average equity (ytd only) | 1.5283% | 5,065 |
| Net charge-offs to loans | 0.0116% | 4,673 |
| Credit loss provision to net charge-offs | 914.2857% | 296 |
| Earnings coverage of net charge-offs (x) | 143.7143% | 378 |
| Efficiency ratio | 70.7975% | 3,417 |
| Assets per employee ($millions) | 4.0784% | 3,763 |
| Cash dividends to net income (ytd only)* | 80.6219% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,851 |
| Loan loss allowance to noncurrent loans | 4,308.6957% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 5,555 |
| Noncurrent loans to loans | 0.0388% | 5,723 |
| Net loans and leases to total assets | 79.3520% | 831 |
| Net loans and leases to deposits | 104.6257% | 412 |
| Net loans and leases to core deposits | 118.5098% | 447 |
| Total domestic deposits to total assets | 75.8437% | 5,753 |
| Equity capital to assets | 15.7816% | 566 |
| Core capital (leverage) ratio | 10.3333% | 3,128 |
| Tier 1 risk-based capital ratio | 13.3653% | 4,488 |
| Total risk-based capital ratio | 14.5791% | 4,452 |
| Memoranda: | ||
| Average total assets | $149,158,600 | 3,642 |
| Average earning assets | $129,736,200 | 3,779 |
| Average equity | $22,835,400 | 2,862 |
| Average total loans | $121,170,000 | 3,017 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7675% | 202 |
| Cost of funding earning assets | 0.7079% | 1,116 |
| Net interest margin | 5.0597% | 263 |
| Noninterest income to average assets | 0.4835% | 3,659 |
| Noninterest expense to average assets | 3.3933% | 1,690 |
| Loan and lease loss provision to assets | 0.0873% | 2,607 |
| Net operating income to assets | 1.3329% | 1,283 |
| Return on assets (ROA) | 1.3329% | 1,341 |
| Pretax return on assets | 1.4006% | 2,004 |
| Return on Equity (ROE) | 8.7728% | 2,802 |
| Retained earnings to average equity (ytd only) | 0.5860% | 5,632 |
| Net charge-offs to loans | 0.0197% | 4,135 |
| Credit loss provision to net charge-offs | 544.4444% | 533 |
| Earnings coverage of net charge-offs (x) | 92.8308% | 624 |
| Efficiency ratio | 68.7340% | 3,718 |
| Assets per employee ($millions) | 4.1453% | 3,571 |
| Cash dividends to net income (ytd only)* | 93.3200% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5459% | 2,515 |
| Loan loss allowance to noncurrent loans | 4,328.8889% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 5,317 |
| Noncurrent loans to loans | 0.0357% | 5,881 |
| Net loans and leases to total assets | 83.1334% | 388 |
| Net loans and leases to deposits | 109.0264% | 241 |
| Net loans and leases to core deposits | 123.7778% | 313 |
| Total domestic deposits to total assets | 76.2508% | 5,780 |
| Equity capital to assets | 15.3542% | 661 |
| Core capital (leverage) ratio | 10.1464% | 3,476 |
| Tier 1 risk-based capital ratio | 11.5316% | 5,776 |
| Total risk-based capital ratio | 12.7854% | 5,701 |
| Memoranda: | ||
| Average total assets | $149,742,500 | 3,663 |
| Average earning assets | $130,150,250 | 3,788 |
| Average equity | $22,751,500 | 2,876 |
| Average total loans | $121,840,250 | 3,020 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1252% | 585 |
| Cost of funding earning assets | 0.7985% | 711 |
| Net interest margin | 4.3267% | 976 |
| Noninterest income to average assets | 0.4334% | 3,998 |
| Noninterest expense to average assets | 2.9792% | 2,904 |
| Loan and lease loss provision to assets | 0.1042% | 2,281 |
| Net operating income to assets | 1.1467% | 1,768 |
| Return on assets (ROA) | 1.1467% | 1,854 |
| Pretax return on assets | 1.1851% | 2,736 |
| Return on Equity (ROE) | 7.9049% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.9972% | 1,780 |
| Net charge-offs to loans | -0.0099% | 5,318 |
| Credit loss provision to net charge-offs | -1,266.6667% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7943% | 3,691 |
| Assets per employee ($millions) | 4.9588% | 2,272 |
| Cash dividends to net income (ytd only)* | 11.4833% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 4,261 |
| Loan loss allowance to noncurrent loans | 447.7273% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 1,935 |
| Noncurrent loans to loans | 0.2754% | 5,191 |
| Net loans and leases to total assets | 84.8646% | 246 |
| Net loans and leases to deposits | 110.0872% | 207 |
| Net loans and leases to core deposits | 113.7451% | 548 |
| Total domestic deposits to total assets | 77.0885% | 5,790 |
| Equity capital to assets | 14.5062% | 819 |
| Core capital (leverage) ratio | 8.9798% | 5,049 |
| Tier 1 risk-based capital ratio | 10.5639% | 6,225 |
| Total risk-based capital ratio | 11.8154% | 6,168 |
| Memoranda: | ||
| Average total assets | $72,905,330 | 5,315 |
| Average earning assets | $64,621,670 | 5,367 |
| Average equity | $10,575,670 | 4,689 |
| Average total loans | $60,424,330 | 4,534 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9789% | 750 |
| Cost of funding earning assets | 0.7819% | 825 |
| Net interest margin | 4.1970% | 1,231 |
| Noninterest income to average assets | 0.4102% | 4,101 |
| Noninterest expense to average assets | 3.0429% | 2,721 |
| Loan and lease loss provision to assets | 0.1109% | 2,095 |
| Net operating income to assets | 0.9312% | 2,500 |
| Return on assets (ROA) | 0.9312% | 2,572 |
| Pretax return on assets | 0.9755% | 3,423 |
| Return on Equity (ROE) | 6.4193% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.6616% | 3,322 |
| Net charge-offs to loans | -0.0068% | 4,907 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6913% | 3,203 |
| Assets per employee ($millions) | 4.3609% | 3,222 |
| Cash dividends to net income (ytd only)* | 27.3810% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 4,321 |
| Loan loss allowance to noncurrent loans | 434.4633% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 1.6901% | 2,087 |
| Noncurrent loans to loans | 0.2901% | 5,246 |
| Net loans and leases to total assets | 81.2547% | 427 |
| Net loans and leases to deposits | 104.9771% | 260 |
| Net loans and leases to core deposits | 114.4554% | 450 |
| Total domestic deposits to total assets | 77.4023% | 5,915 |
| Equity capital to assets | 14.2198% | 855 |
| Core capital (leverage) ratio | 9.1855% | 4,737 |
| Tier 1 risk-based capital ratio | 11.1632% | 6,092 |
| Total risk-based capital ratio | 12.4159% | 6,040 |
| Memoranda: | ||
| Average total assets | $72,167,000 | 5,384 |
| Average earning assets | $63,950,000 | 5,442 |
| Average equity | $10,468,500 | 4,733 |
| Average total loans | $58,680,500 | 4,631 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 489 |
| Cost of funding earning assets | 0.9082% | 707 |
| Net interest margin | 4.4304% | 854 |
| Noninterest income to average assets | 0.3807% | 4,587 |
| Noninterest expense to average assets | 3.3189% | 2,096 |
| Loan and lease loss provision to assets | 0.2608% | 1,366 |
| Net operating income to assets | 0.6528% | 4,018 |
| Return on assets (ROA) | 0.6528% | 4,120 |
| Pretax return on assets | 0.6937% | 4,566 |
| Return on Equity (ROE) | 4.4219% | 4,926 |
| Retained earnings to average equity (ytd only) | -1.5949% | 6,135 |
| Net charge-offs to loans | 0.3236% | 2,064 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.6595% | 3,794 |
| Efficiency ratio | 77.6641% | 2,519 |
| Assets per employee ($millions) | 4.1293% | 3,581 |
| Cash dividends to net income (ytd only)* | 136.0691% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,008 |
| Loan loss allowance to noncurrent loans | 529.7872% | 920 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 2,509 |
| Noncurrent loans to loans | 0.2502% | 5,433 |
| Net loans and leases to total assets | 79.2131% | 678 |
| Net loans and leases to deposits | 98.1658% | 581 |
| Net loans and leases to core deposits | 107.0602% | 739 |
| Total domestic deposits to total assets | 80.6932% | 5,269 |
| Equity capital to assets | 14.8081% | 707 |
| Core capital (leverage) ratio | 8.9142% | 5,126 |
| Tier 1 risk-based capital ratio | 11.5662% | 5,871 |
| Total risk-based capital ratio | 12.8195% | 5,809 |
| Memoranda: | ||
| Average total assets | $70,927,400 | 5,440 |
| Average earning assets | $62,319,400 | 5,532 |
| Average equity | $10,470,600 | 4,751 |
| Average total loans | $57,164,800 | 4,710 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 563 |
| Cost of funding earning assets | 0.9211% | 737 |
| Net interest margin | 4.3428% | 1,000 |
| Noninterest income to average assets | 0.5756% | 3,297 |
| Noninterest expense to average assets | 3.3037% | 2,075 |
| Loan and lease loss provision to assets | 0.1688% | 2,152 |
| Net operating income to assets | 0.8587% | 3,053 |
| Return on assets (ROA) | 0.8587% | 3,163 |
| Pretax return on assets | 0.9131% | 3,823 |
| Return on Equity (ROE) | 5.8215% | 4,275 |
| Retained earnings to average equity (ytd only) | -1.6016% | 6,213 |
| Net charge-offs to loans | -0.1557% | 6,601 |
| Credit loss provision to net charge-offs | -134.3284% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3313% | 2,844 |
| Assets per employee ($millions) | 4.2380% | 3,351 |
| Cash dividends to net income (ytd only)* | 127.5117% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,285 |
| Loan loss allowance to noncurrent loans | 82.9358% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 2.9342% | 1,265 |
| Noncurrent loans to loans | 1.8552% | 2,428 |
| Net loans and leases to total assets | 80.2959% | 515 |
| Net loans and leases to deposits | 99.1176% | 508 |
| Net loans and leases to core deposits | 106.7186% | 717 |
| Total domestic deposits to total assets | 81.0107% | 5,209 |
| Equity capital to assets | 14.4852% | 832 |
| Core capital (leverage) ratio | 9.0729% | 5,005 |
| Tier 1 risk-based capital ratio | 10.9037% | 6,321 |
| Total risk-based capital ratio | 12.1602% | 6,283 |
| Memoranda: | ||
| Average total assets | $71,109,750 | 5,498 |
| Average earning assets | $62,386,000 | 5,582 |
| Average equity | $10,489,500 | 4,795 |
| Average total loans | $57,367,750 | 4,750 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2608% | 568 |
| Cost of funding earning assets | 0.9398% | 741 |
| Net interest margin | 4.3210% | 993 |
| Noninterest income to average assets | 0.4209% | 4,372 |
| Noninterest expense to average assets | 3.1385% | 2,559 |
| Loan and lease loss provision to assets | 0.2542% | 1,454 |
| Net operating income to assets | 0.7514% | 3,559 |
| Return on assets (ROA) | 0.7514% | 3,714 |
| Pretax return on assets | 0.8079% | 4,282 |
| Return on Equity (ROE) | 5.0631% | 4,688 |
| Retained earnings to average equity (ytd only) | -5.0251% | 6,461 |
| Net charge-offs to loans | -0.0492% | 6,262 |
| Credit loss provision to net charge-offs | -642.8571% | 5,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7142% | 2,987 |
| Assets per employee ($millions) | 3.8528% | 4,106 |
| Cash dividends to net income (ytd only)* | 199.2481% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 3,771 |
| Loan loss allowance to noncurrent loans | 77.3636% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.9906% | 1,358 |
| Noncurrent loans to loans | 1.8869% | 2,517 |
| Net loans and leases to total assets | 82.8335% | 303 |
| Net loans and leases to deposits | 102.9038% | 300 |
| Net loans and leases to core deposits | 110.6115% | 540 |
| Total domestic deposits to total assets | 80.4960% | 5,476 |
| Equity capital to assets | 14.8493% | 743 |
| Core capital (leverage) ratio | 8.7926% | 5,301 |
| Tier 1 risk-based capital ratio | 10.5255% | 6,495 |
| Total risk-based capital ratio | 11.7784% | 6,469 |
| Memoranda: | ||
| Average total assets | $70,797,670 | 5,545 |
| Average earning assets | $61,930,330 | 5,630 |
| Average equity | $10,507,330 | 4,831 |
| Average total loans | $56,905,670 | 4,785 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 629 |
| Cost of funding earning assets | 0.9587% | 752 |
| Net interest margin | 4.2183% | 1,145 |
| Noninterest income to average assets | 0.7774% | 2,223 |
| Noninterest expense to average assets | 3.2494% | 2,204 |
| Loan and lease loss provision to assets | 0.2517% | 1,425 |
| Net operating income to assets | 0.8837% | 2,731 |
| Return on assets (ROA) | 0.8837% | 2,875 |
| Pretax return on assets | 0.9675% | 3,495 |
| Return on Equity (ROE) | 5.9555% | 4,074 |
| Retained earnings to average equity (ytd only) | 3.7693% | 3,977 |
| Net charge-offs to loans | -0.0285% | 5,874 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7159% | 3,480 |
| Assets per employee ($millions) | 3.9356% | 4,091 |
| Cash dividends to net income (ytd only)* | 36.7089% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 4,145 |
| Loan loss allowance to noncurrent loans | 61.4198% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 4.1389% | 943 |
| Noncurrent loans to loans | 2.3086% | 2,266 |
| Net loans and leases to total assets | 78.1211% | 599 |
| Net loans and leases to deposits | 97.0861% | 486 |
| Net loans and leases to core deposits | 105.3833% | 663 |
| Total domestic deposits to total assets | 80.4658% | 5,645 |
| Equity capital to assets | 15.0508% | 745 |
| Core capital (leverage) ratio | 9.1932% | 4,580 |
| Tier 1 risk-based capital ratio | 11.7970% | 6,030 |
| Total risk-based capital ratio | 13.0504% | 6,006 |
| Memoranda: | ||
| Average total assets | $71,521,500 | 5,578 |
| Average earning assets | $62,584,500 | 5,659 |
| Average equity | $10,612,000 | 4,857 |
| Average total loans | $56,210,500 | 4,848 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6008% | 508 |
| Cost of funding earning assets | 1.1736% | 653 |
| Net interest margin | 4.4273% | 1,100 |
| Noninterest income to average assets | 0.6410% | 3,047 |
| Noninterest expense to average assets | 3.4151% | 2,015 |
| Loan and lease loss provision to assets | 0.1886% | 3,282 |
| Net operating income to assets | 0.8552% | 3,018 |
| Return on assets (ROA) | 0.8552% | 3,267 |
| Pretax return on assets | 0.8949% | 3,935 |
| Return on Equity (ROE) | 5.7055% | 4,299 |
| Retained earnings to average equity (ytd only) | -0.4636% | 5,933 |
| Net charge-offs to loans | 0.7779% | 1,506 |
| Credit loss provision to net charge-offs | 29.9550% | 5,112 |
| Earnings coverage of net charge-offs (x) | 1.7207% | 4,577 |
| Efficiency ratio | 74.7793% | 2,935 |
| Assets per employee ($millions) | 4.0113% | 3,923 |
| Cash dividends to net income (ytd only)* | 108.1260% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,501 |
| Loan loss allowance to noncurrent loans | 57.3620% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 4.5594% | 904 |
| Noncurrent loans to loans | 2.3168% | 2,331 |
| Net loans and leases to total assets | 76.9165% | 797 |
| Net loans and leases to deposits | 94.9106% | 689 |
| Net loans and leases to core deposits | 99.9910% | 1,026 |
| Total domestic deposits to total assets | 81.0410% | 5,391 |
| Equity capital to assets | 14.6282% | 836 |
| Core capital (leverage) ratio | 9.3349% | 4,352 |
| Tier 1 risk-based capital ratio | 11.7481% | 5,932 |
| Total risk-based capital ratio | 13.0014% | 5,898 |
| Memoranda: | ||
| Average total assets | $70,510,000 | 5,618 |
| Average earning assets | $61,437,400 | 5,692 |
| Average equity | $10,568,800 | 4,851 |
| Average total loans | $57,078,200 | 4,831 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 494 |
| Cost of funding earning assets | 1.2170% | 644 |
| Net interest margin | 4.4505% | 1,088 |
| Noninterest income to average assets | 0.6068% | 3,231 |
| Noninterest expense to average assets | 3.2949% | 2,287 |
| Loan and lease loss provision to assets | 0.1522% | 3,631 |
| Net operating income to assets | 0.9721% | 2,648 |
| Return on assets (ROA) | 0.9721% | 2,873 |
| Pretax return on assets | 1.0349% | 3,585 |
| Return on Equity (ROE) | 6.4455% | 4,097 |
| Retained earnings to average equity (ytd only) | -1.1478% | 6,292 |
| Net charge-offs to loans | 0.0116% | 5,544 |
| Credit loss provision to net charge-offs | 1,600.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 124.7346% | 349 |
| Efficiency ratio | 72.3684% | 3,253 |
| Assets per employee ($millions) | 3.8722% | 4,144 |
| Cash dividends to net income (ytd only)* | 117.8081% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9537% | 2,315 |
| Loan loss allowance to noncurrent loans | 104.7091% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 3.1133% | 1,666 |
| Noncurrent loans to loans | 1.8658% | 2,996 |
| Net loans and leases to total assets | 81.6514% | 373 |
| Net loans and leases to deposits | 101.9198% | 354 |
| Net loans and leases to core deposits | 107.1972% | 683 |
| Total domestic deposits to total assets | 80.1133% | 5,623 |
| Equity capital to assets | 15.0933% | 799 |
| Core capital (leverage) ratio | 9.1400% | 4,845 |
| Tier 1 risk-based capital ratio | 10.9314% | 6,506 |
| Total risk-based capital ratio | 12.1918% | 6,481 |
| Memoranda: | ||
| Average total assets | $70,086,750 | 5,699 |
| Average earning assets | $61,025,250 | 5,766 |
| Average equity | $10,570,500 | 4,898 |
| Average total loans | $57,276,750 | 4,875 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7101% | 478 |
| Cost of funding earning assets | 1.2379% | 687 |
| Net interest margin | 4.4722% | 1,041 |
| Noninterest income to average assets | 0.5811% | 3,372 |
| Noninterest expense to average assets | 3.1674% | 2,702 |
| Loan and lease loss provision to assets | 0.1709% | 3,396 |
| Net operating income to assets | 1.0454% | 2,266 |
| Return on assets (ROA) | 1.0454% | 2,497 |
| Pretax return on assets | 1.1223% | 3,222 |
| Return on Equity (ROE) | 6.9328% | 3,815 |
| Retained earnings to average equity (ytd only) | -3.0603% | 6,471 |
| Net charge-offs to loans | 0.0316% | 4,936 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 50.4444% | 727 |
| Efficiency ratio | 69.8595% | 3,790 |
| Assets per employee ($millions) | 3.9821% | 3,915 |
| Cash dividends to net income (ytd only)* | 144.1417% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 2,365 |
| Loan loss allowance to noncurrent loans | 105.2133% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 3.3832% | 1,587 |
| Noncurrent loans to loans | 1.8547% | 3,140 |
| Net loans and leases to total assets | 77.8077% | 746 |
| Net loans and leases to deposits | 96.1602% | 623 |
| Net loans and leases to core deposits | 102.4844% | 950 |
| Total domestic deposits to total assets | 80.9146% | 5,496 |
| Equity capital to assets | 14.5777% | 898 |
| Core capital (leverage) ratio | 8.8490% | 5,132 |
| Tier 1 risk-based capital ratio | 10.3544% | 6,741 |
| Total risk-based capital ratio | 11.5662% | 6,738 |
| Memoranda: | ||
| Average total assets | $70,215,670 | 5,729 |
| Average earning assets | $60,910,000 | 5,806 |
| Average equity | $10,587,330 | 4,896 |
| Average total loans | $57,020,670 | 4,914 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6822% | 534 |
| Cost of funding earning assets | 1.2782% | 688 |
| Net interest margin | 4.4040% | 1,219 |
| Noninterest income to average assets | 0.6735% | 2,795 |
| Noninterest expense to average assets | 3.1604% | 2,735 |
| Loan and lease loss provision to assets | 0.1727% | 3,237 |
| Net operating income to assets | 1.0650% | 2,226 |
| Return on assets (ROA) | 1.0650% | 2,421 |
| Pretax return on assets | 1.1686% | 3,032 |
| Return on Equity (ROE) | 6.9441% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.4158% | 4,521 |
| Net charge-offs to loans | 0.0841% | 3,663 |
| Credit loss provision to net charge-offs | 250.0000% | 1,138 |
| Earnings coverage of net charge-offs (x) | 19.4167% | 1,228 |
| Efficiency ratio | 69.0537% | 3,973 |
| Assets per employee ($millions) | 4.1835% | 3,615 |
| Cash dividends to net income (ytd only)* | 50.8108% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 2,662 |
| Loan loss allowance to noncurrent loans | 103.3589% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 2.9655% | 1,952 |
| Noncurrent loans to loans | 1.8430% | 3,353 |
| Net loans and leases to total assets | 77.9820% | 590 |
| Net loans and leases to deposits | 96.9733% | 481 |
| Net loans and leases to core deposits | 101.8680% | 870 |
| Total domestic deposits to total assets | 80.4159% | 5,749 |
| Equity capital to assets | 15.0480% | 738 |
| Core capital (leverage) ratio | 9.4930% | 4,058 |
| Tier 1 risk-based capital ratio | 11.5297% | 6,265 |
| Total risk-based capital ratio | 12.7896% | 6,236 |
| Memoranda: | ||
| Average total assets | $69,484,500 | 5,792 |
| Average earning assets | $60,399,000 | 5,861 |
| Average equity | $10,656,500 | 4,896 |
| Average total loans | $57,090,500 | 4,939 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8619% | 564 |
| Cost of funding earning assets | 1.5101% | 687 |
| Net interest margin | 4.3518% | 1,536 |
| Noninterest income to average assets | 0.5077% | 3,792 |
| Noninterest expense to average assets | 3.2542% | 2,671 |
| Loan and lease loss provision to assets | 0.1442% | 4,808 |
| Net operating income to assets | 0.8857% | 2,662 |
| Return on assets (ROA) | 0.8857% | 2,799 |
| Pretax return on assets | 0.9087% | 3,581 |
| Return on Equity (ROE) | 5.7514% | 4,001 |
| Retained earnings to average equity (ytd only) | -1.3863% | 6,072 |
| Net charge-offs to loans | 0.2319% | 4,329 |
| Credit loss provision to net charge-offs | 80.0000% | 4,450 |
| Earnings coverage of net charge-offs (x) | 5.8400% | 2,667 |
| Efficiency ratio | 74.3470% | 3,166 |
| Assets per employee ($millions) | 3.9912% | 3,878 |
| Cash dividends to net income (ytd only)* | 124.1042% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 2,752 |
| Loan loss allowance to noncurrent loans | 76.6836% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 3.5578% | 1,663 |
| Noncurrent loans to loans | 2.3957% | 2,730 |
| Net loans and leases to total assets | 83.3972% | 240 |
| Net loans and leases to deposits | 105.8277% | 253 |
| Net loans and leases to core deposits | 110.8705% | 593 |
| Total domestic deposits to total assets | 78.8047% | 6,036 |
| Equity capital to assets | 15.6389% | 645 |
| Core capital (leverage) ratio | 9.4802% | 4,056 |
| Tier 1 risk-based capital ratio | 11.9022% | 5,897 |
| Total risk-based capital ratio | 13.1633% | 5,869 |
| Memoranda: | ||
| Average total assets | $69,326,600 | 5,761 |
| Average earning assets | $60,526,200 | 5,850 |
| Average equity | $10,675,600 | 4,865 |
| Average total loans | $53,903,400 | 5,118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7805% | 723 |
| Cost of funding earning assets | 1.5221% | 793 |
| Net interest margin | 4.2584% | 1,880 |
| Noninterest income to average assets | 0.4783% | 4,059 |
| Noninterest expense to average assets | 3.0895% | 3,200 |
| Loan and lease loss provision to assets | 0.1339% | 4,758 |
| Net operating income to assets | 0.9527% | 2,518 |
| Return on assets (ROA) | 0.9527% | 2,683 |
| Pretax return on assets | 0.9852% | 3,460 |
| Return on Equity (ROE) | 6.2102% | 3,919 |
| Retained earnings to average equity (ytd only) | -1.8456% | 6,280 |
| Net charge-offs to loans | 0.3222% | 3,492 |
| Credit loss provision to net charge-offs | 54.6875% | 4,935 |
| Earnings coverage of net charge-offs (x) | 4.5704% | 3,021 |
| Efficiency ratio | 72.1818% | 3,517 |
| Assets per employee ($millions) | 3.9915% | 3,865 |
| Cash dividends to net income (ytd only)* | 129.7193% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8894% | 2,647 |
| Loan loss allowance to noncurrent loans | 82.6087% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 3.1243% | 2,050 |
| Noncurrent loans to loans | 2.2872% | 3,014 |
| Net loans and leases to total assets | 78.5133% | 658 |
| Net loans and leases to deposits | 98.5680% | 545 |
| Net loans and leases to core deposits | 112.7439% | 585 |
| Total domestic deposits to total assets | 79.6540% | 5,835 |
| Equity capital to assets | 15.6375% | 698 |
| Core capital (leverage) ratio | 9.2480% | 4,548 |
| Tier 1 risk-based capital ratio | 11.6649% | 6,130 |
| Total risk-based capital ratio | 12.9241% | 6,117 |
| Memoranda: | ||
| Average total assets | $69,695,750 | 5,790 |
| Average earning assets | $61,054,750 | 5,869 |
| Average equity | $10,691,750 | 4,871 |
| Average total loans | $52,968,250 | 5,201 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8280% | 678 |
| Cost of funding earning assets | 1.5446% | 852 |
| Net interest margin | 4.2834% | 1,726 |
| Noninterest income to average assets | 0.5206% | 3,701 |
| Noninterest expense to average assets | 3.0750% | 3,348 |
| Loan and lease loss provision to assets | 0.1422% | 4,525 |
| Net operating income to assets | 1.0297% | 2,107 |
| Return on assets (ROA) | 1.0297% | 2,199 |
| Pretax return on assets | 1.0582% | 3,015 |
| Return on Equity (ROE) | 6.7546% | 3,549 |
| Retained earnings to average equity (ytd only) | -3.7505% | 6,450 |
| Net charge-offs to loans | 0.5026% | 2,595 |
| Credit loss provision to net charge-offs | 37.8788% | 4,853 |
| Earnings coverage of net charge-offs (x) | 3.1970% | 3,272 |
| Efficiency ratio | 70.7252% | 3,980 |
| Assets per employee ($millions) | 4.1369% | 3,474 |
| Cash dividends to net income (ytd only)* | 155.5249% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 2,180 |
| Loan loss allowance to noncurrent loans | 569.3182% | 594 |
| Noncurrent assets plus other real estate owned to assets | 1.5087% | 3,938 |
| Noncurrent loans to loans | 0.3637% | 6,174 |
| Net loans and leases to total assets | 67.3795% | 2,742 |
| Net loans and leases to deposits | 83.7682% | 2,142 |
| Net loans and leases to core deposits | 95.7158% | 1,713 |
| Total domestic deposits to total assets | 80.4357% | 5,695 |
| Equity capital to assets | 15.0127% | 819 |
| Core capital (leverage) ratio | 9.1438% | 4,499 |
| Tier 1 risk-based capital ratio | 12.2887% | 5,525 |
| Total risk-based capital ratio | 13.5487% | 5,501 |
| Memoranda: | ||
| Average total assets | $70,309,000 | 5,818 |
| Average earning assets | $61,634,000 | 5,902 |
| Average equity | $10,718,670 | 4,865 |
| Average total loans | $52,523,670 | 5,259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9410% | 540 |
| Cost of funding earning assets | 1.5795% | 880 |
| Net interest margin | 4.3615% | 1,393 |
| Noninterest income to average assets | 0.6771% | 2,691 |
| Noninterest expense to average assets | 3.0327% | 3,514 |
| Loan and lease loss provision to assets | 0.1422% | 4,232 |
| Net operating income to assets | 1.2973% | 1,272 |
| Return on assets (ROA) | 1.2973% | 1,311 |
| Pretax return on assets | 1.3201% | 1,976 |
| Return on Equity (ROE) | 8.4452% | 2,723 |
| Retained earnings to average equity (ytd only) | 3.0003% | 4,368 |
| Net charge-offs to loans | 0.9892% | 1,367 |
| Credit loss provision to net charge-offs | 18.5185% | 4,269 |
| Earnings coverage of net charge-offs (x) | 1.9037% | 3,357 |
| Efficiency ratio | 66.3291% | 4,980 |
| Assets per employee ($millions) | 3.9008% | 4,075 |
| Cash dividends to net income (ytd only)* | 64.4737% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 3,008 |
| Loan loss allowance to noncurrent loans | 553.4091% | 594 |
| Noncurrent assets plus other real estate owned to assets | 2.0309% | 3,280 |
| Noncurrent loans to loans | 0.3255% | 6,340 |
| Net loans and leases to total assets | 75.6234% | 1,091 |
| Net loans and leases to deposits | 94.5445% | 778 |
| Net loans and leases to core deposits | 105.9945% | 940 |
| Total domestic deposits to total assets | 79.9872% | 5,953 |
| Equity capital to assets | 15.4383% | 673 |
| Core capital (leverage) ratio | 9.6619% | 3,580 |
| Tier 1 risk-based capital ratio | 11.9698% | 5,723 |
| Total risk-based capital ratio | 13.2086% | 5,720 |
| Memoranda: | ||
| Average total assets | $70,300,000 | 5,862 |
| Average earning assets | $61,538,500 | 5,955 |
| Average equity | $10,799,000 | 4,845 |
| Average total loans | $54,591,500 | 5,229 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1297% | 657 |
| Cost of funding earning assets | 1.9114% | 809 |
| Net interest margin | 4.2183% | 2,111 |
| Noninterest income to average assets | 0.6226% | 3,327 |
| Noninterest expense to average assets | 3.1199% | 3,385 |
| Loan and lease loss provision to assets | 0.9688% | 1,669 |
| Net operating income to assets | 0.2401% | 5,137 |
| Return on assets (ROA) | 0.2401% | 5,291 |
| Pretax return on assets | 0.2401% | 5,379 |
| Return on Equity (ROE) | 1.5245% | 5,553 |
| Retained earnings to average equity (ytd only) | -6.3196% | 6,413 |
| Net charge-offs to loans | 0.8347% | 2,546 |
| Credit loss provision to net charge-offs | 150.5423% | 2,400 |
| Earnings coverage of net charge-offs (x) | 1.8785% | 4,314 |
| Efficiency ratio | 70.9126% | 4,003 |
| Assets per employee ($millions) | 3.9103% | 3,982 |
| Cash dividends to net income (ytd only)* | 514.5349% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9670% | 2,387 |
| Loan loss allowance to noncurrent loans | 346.3259% | 896 |
| Noncurrent assets plus other real estate owned to assets | 2.2206% | 3,069 |
| Noncurrent loans to loans | 0.5680% | 5,919 |
| Net loans and leases to total assets | 76.7578% | 1,134 |
| Net loans and leases to deposits | 95.7280% | 894 |
| Net loans and leases to core deposits | 107.8191% | 1,064 |
| Total domestic deposits to total assets | 80.1833% | 5,781 |
| Equity capital to assets | 15.2845% | 724 |
| Core capital (leverage) ratio | 9.3227% | 3,972 |
| Tier 1 risk-based capital ratio | 11.3762% | 6,016 |
| Total risk-based capital ratio | 12.6357% | 5,998 |
| Memoranda: | ||
| Average total assets | $71,637,000 | 5,832 |
| Average earning assets | $62,939,400 | 5,896 |
| Average equity | $11,282,400 | 4,798 |
| Average total loans | $55,231,200 | 5,265 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1729% | 651 |
| Cost of funding earning assets | 1.9698% | 828 |
| Net interest margin | 4.2030% | 2,203 |
| Noninterest income to average assets | 0.6134% | 3,360 |
| Noninterest expense to average assets | 2.9575% | 3,897 |
| Loan and lease loss provision to assets | 0.4985% | 2,969 |
| Net operating income to assets | 0.8376% | 2,854 |
| Return on assets (ROA) | 0.8376% | 2,981 |
| Pretax return on assets | 0.8543% | 3,715 |
| Return on Equity (ROE) | 5.2802% | 4,155 |
| Retained earnings to average equity (ytd only) | -3.7849% | 6,437 |
| Net charge-offs to loans | 0.6611% | 2,775 |
| Credit loss provision to net charge-offs | 98.1752% | 4,433 |
| Earnings coverage of net charge-offs (x) | 2.6643% | 3,817 |
| Efficiency ratio | 67.4549% | 4,570 |
| Assets per employee ($millions) | 4.1394% | 3,574 |
| Cash dividends to net income (ytd only)* | 171.6817% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 3,867 |
| Loan loss allowance to noncurrent loans | 85.4692% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 3.2344% | 2,210 |
| Noncurrent loans to loans | 1.7789% | 3,977 |
| Net loans and leases to total assets | 77.9633% | 1,043 |
| Net loans and leases to deposits | 97.9469% | 796 |
| Net loans and leases to core deposits | 109.8206% | 1,041 |
| Total domestic deposits to total assets | 79.5976% | 5,835 |
| Equity capital to assets | 15.8422% | 709 |
| Core capital (leverage) ratio | 9.7240% | 3,587 |
| Tier 1 risk-based capital ratio | 11.9634% | 5,498 |
| Total risk-based capital ratio | 13.2179% | 5,458 |
| Memoranda: | ||
| Average total assets | $71,950,000 | 5,887 |
| Average earning assets | $63,286,250 | 5,941 |
| Average equity | $11,413,500 | 4,834 |
| Average total loans | $55,261,500 | 5,334 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1680% | 660 |
| Cost of funding earning assets | 2.0007% | 915 |
| Net interest margin | 4.1673% | 2,269 |
| Noninterest income to average assets | 0.5271% | 3,899 |
| Noninterest expense to average assets | 2.8947% | 4,099 |
| Loan and lease loss provision to assets | 0.2815% | 4,155 |
| Net operating income to assets | 1.0100% | 2,156 |
| Return on assets (ROA) | 1.0100% | 2,230 |
| Pretax return on assets | 1.0238% | 3,028 |
| Return on Equity (ROE) | 6.3641% | 3,611 |
| Retained earnings to average equity (ytd only) | -1.5128% | 6,066 |
| Net charge-offs to loans | 0.6460% | 2,605 |
| Credit loss provision to net charge-offs | 57.3034% | 5,278 |
| Earnings coverage of net charge-offs (x) | 2.6573% | 3,669 |
| Efficiency ratio | 67.7398% | 4,624 |
| Assets per employee ($millions) | 4.1116% | 3,562 |
| Cash dividends to net income (ytd only)* | 123.7705% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 4,322 |
| Loan loss allowance to noncurrent loans | 71.4549% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.1903% | 3,269 |
| Noncurrent loans to loans | 1.9909% | 3,727 |
| Net loans and leases to total assets | 72.6570% | 2,236 |
| Net loans and leases to deposits | 90.5176% | 1,767 |
| Net loans and leases to core deposits | 105.8483% | 1,459 |
| Total domestic deposits to total assets | 80.2683% | 5,645 |
| Equity capital to assets | 15.3821% | 801 |
| Core capital (leverage) ratio | 9.9776% | 3,188 |
| Tier 1 risk-based capital ratio | 12.3626% | 4,981 |
| Total risk-based capital ratio | 13.6138% | 4,962 |
| Memoranda: | ||
| Average total assets | $72,477,000 | 5,907 |
| Average earning assets | $63,878,000 | 5,960 |
| Average equity | $11,502,000 | 4,804 |
| Average total loans | $55,112,330 | 5,376 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1781% | 671 |
| Cost of funding earning assets | 2.0404% | 970 |
| Net interest margin | 4.1378% | 2,280 |
| Noninterest income to average assets | 0.4518% | 4,450 |
| Noninterest expense to average assets | 2.9117% | 4,011 |
| Loan and lease loss provision to assets | 0.2064% | 4,438 |
| Net operating income to assets | 0.9929% | 2,216 |
| Return on assets (ROA) | 0.9929% | 2,280 |
| Pretax return on assets | 0.9761% | 3,182 |
| Return on Equity (ROE) | 6.1586% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.1586% | 2,545 |
| Net charge-offs to loans | 0.9748% | 1,678 |
| Credit loss provision to net charge-offs | 27.4074% | 4,856 |
| Earnings coverage of net charge-offs (x) | 1.5704% | 3,788 |
| Efficiency ratio | 69.8910% | 4,325 |
| Assets per employee ($millions) | 4.0839% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,654 |
| Loan loss allowance to noncurrent loans | 185.2580% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 1.4107% | 4,393 |
| Noncurrent loans to loans | 0.7313% | 5,858 |
| Net loans and leases to total assets | 74.6854% | 1,808 |
| Net loans and leases to deposits | 93.6016% | 1,394 |
| Net loans and leases to core deposits | 108.3435% | 1,393 |
| Total domestic deposits to total assets | 79.7908% | 5,860 |
| Equity capital to assets | 15.8480% | 695 |
| Core capital (leverage) ratio | 10.5251% | 2,601 |
| Tier 1 risk-based capital ratio | 12.8266% | 4,459 |
| Total risk-based capital ratio | 14.0789% | 4,432 |
| Memoranda: | ||
| Average total assets | $71,711,500 | 6,002 |
| Average earning assets | $63,126,000 | 6,049 |
| Average equity | $11,561,000 | 4,830 |
| Average total loans | $55,394,500 | 5,443 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8417% | 356 |
| Cost of funding earning assets | 2.3771% | 1,376 |
| Net interest margin | 4.4647% | 1,259 |
| Noninterest income to average assets | 0.4959% | 4,451 |
| Noninterest expense to average assets | 3.1302% | 3,612 |
| Loan and lease loss provision to assets | 1.6230% | 1,410 |
| Net operating income to assets | -0.3186% | 5,998 |
| Return on assets (ROA) | -0.3186% | 5,989 |
| Pretax return on assets | -0.3396% | 5,869 |
| Return on Equity (ROE) | -1.8906% | 5,842 |
| Retained earnings to average equity (ytd only) | -5.4755% | 6,087 |
| Net charge-offs to loans | 1.4900% | 1,681 |
| Credit loss provision to net charge-offs | 130.4348% | 3,907 |
| Earnings coverage of net charge-offs (x) | 1.0314% | 5,081 |
| Efficiency ratio | 69.6970% | 4,694 |
| Assets per employee ($millions) | 3.8840% | 4,066 |
| Cash dividends to net income (ytd only)* | -189.6226% | 7,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,495 |
| Loan loss allowance to noncurrent loans | 122.0630% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 4,579 |
| Noncurrent loans to loans | 1.2660% | 4,817 |
| Net loans and leases to total assets | 77.6419% | 1,458 |
| Net loans and leases to deposits | 98.2177% | 1,083 |
| Net loans and leases to core deposits | 144.0005% | 675 |
| Total domestic deposits to total assets | 79.0508% | 5,965 |
| Equity capital to assets | 16.4092% | 635 |
| Core capital (leverage) ratio | 10.7723% | 2,369 |
| Tier 1 risk-based capital ratio | 12.9414% | 4,179 |
| Total risk-based capital ratio | 14.1961% | 4,129 |
| Memoranda: | ||
| Average total assets | $66,545,400 | 6,127 |
| Average earning assets | $58,391,600 | 6,206 |
| Average equity | $11,213,600 | 4,967 |
| Average total loans | $55,568,800 | 5,435 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9471% | 328 |
| Cost of funding earning assets | 2.4235% | 1,553 |
| Net interest margin | 4.5236% | 1,134 |
| Noninterest income to average assets | 0.4911% | 4,564 |
| Noninterest expense to average assets | 3.1778% | 3,372 |
| Loan and lease loss provision to assets | 1.9948% | 908 |
| Net operating income to assets | -0.6859% | 6,589 |
| Return on assets (ROA) | -0.6859% | 6,603 |
| Pretax return on assets | -0.7082% | 6,492 |
| Return on Equity (ROE) | -4.0422% | 6,343 |
| Retained earnings to average equity (ytd only) | -8.8496% | 6,692 |
| Net charge-offs to loans | 1.9876% | 993 |
| Credit loss provision to net charge-offs | 118.4337% | 4,283 |
| Earnings coverage of net charge-offs (x) | 0.7639% | 5,281 |
| Efficiency ratio | 69.9545% | 4,602 |
| Assets per employee ($millions) | 3.8828% | 3,985 |
| Cash dividends to net income (ytd only)* | -118.9345% | 8,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,092 |
| Loan loss allowance to noncurrent loans | 109.6070% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 4,455 |
| Noncurrent loans to loans | 1.2537% | 4,848 |
| Net loans and leases to total assets | 81.8792% | 831 |
| Net loans and leases to deposits | 105.1049% | 703 |
| Net loans and leases to core deposits | 140.9173% | 876 |
| Total domestic deposits to total assets | 77.9023% | 6,113 |
| Equity capital to assets | 17.1891% | 606 |
| Core capital (leverage) ratio | 11.0639% | 2,363 |
| Tier 1 risk-based capital ratio | 12.9423% | 4,232 |
| Total risk-based capital ratio | 14.1954% | 4,159 |
| Memoranda: | ||
| Average total assets | $65,703,750 | 6,186 |
| Average earning assets | $57,710,750 | 6,274 |
| Average equity | $11,149,000 | 5,030 |
| Average total loans | $55,677,750 | 5,471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0476% | 293 |
| Cost of funding earning assets | 2.4743% | 1,705 |
| Net interest margin | 4.5733% | 1,009 |
| Noninterest income to average assets | 0.4390% | 4,940 |
| Noninterest expense to average assets | 3.1401% | 3,539 |
| Loan and lease loss provision to assets | 2.9877% | 508 |
| Net operating income to assets | -1.7012% | 7,325 |
| Return on assets (ROA) | -1.7012% | 7,322 |
| Pretax return on assets | -1.6768% | 7,162 |
| Return on Equity (ROE) | -10.0692% | 7,045 |
| Retained earnings to average equity (ytd only) | -17.3233% | 7,363 |
| Net charge-offs to loans | 2.6085% | 649 |
| Credit loss provision to net charge-offs | 134.2466% | 3,473 |
| Earnings coverage of net charge-offs (x) | 0.5890% | 5,123 |
| Efficiency ratio | 69.3151% | 4,916 |
| Assets per employee ($millions) | 4.3152% | 3,088 |
| Cash dividends to net income (ytd only)* | -72.0430% | 8,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 2,891 |
| Loan loss allowance to noncurrent loans | 163.7765% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 4,779 |
| Noncurrent loans to loans | 0.9557% | 5,313 |
| Net loans and leases to total assets | 82.5825% | 853 |
| Net loans and leases to deposits | 106.1564% | 756 |
| Net loans and leases to core deposits | 141.4838% | 956 |
| Total domestic deposits to total assets | 77.7932% | 6,133 |
| Equity capital to assets | 17.1889% | 636 |
| Core capital (leverage) ratio | 10.3185% | 2,978 |
| Tier 1 risk-based capital ratio | 12.6708% | 4,380 |
| Total risk-based capital ratio | 13.9253% | 4,294 |
| Memoranda: | ||
| Average total assets | $65,602,670 | 6,244 |
| Average earning assets | $57,551,670 | 6,335 |
| Average equity | $11,083,330 | 5,064 |
| Average total loans | $55,970,670 | 5,505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0771% | 294 |
| Cost of funding earning assets | 2.5458% | 1,751 |
| Net interest margin | 4.5313% | 1,063 |
| Noninterest income to average assets | 0.3816% | 5,370 |
| Noninterest expense to average assets | 2.9437% | 3,997 |
| Loan and lease loss provision to assets | 0.9691% | 1,340 |
| Net operating income to assets | 0.4119% | 4,813 |
| Return on assets (ROA) | 0.4119% | 4,992 |
| Pretax return on assets | 0.4361% | 5,289 |
| Return on Equity (ROE) | 2.4589% | 5,595 |
| Retained earnings to average equity (ytd only) | -12.0774% | 7,273 |
| Net charge-offs to loans | 0.0704% | 4,487 |
| Credit loss provision to net charge-offs | 1,600.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 23.2000% | 1,285 |
| Efficiency ratio | 66.4345% | 5,247 |
| Assets per employee ($millions) | 4.2063% | 3,252 |
| Cash dividends to net income (ytd only)* | 591.1765% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,029 |
| Loan loss allowance to noncurrent loans | 60.8766% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.8707% | 3,107 |
| Noncurrent loans to loans | 2.1481% | 3,056 |
| Net loans and leases to total assets | 84.1028% | 674 |
| Net loans and leases to deposits | 106.4648% | 828 |
| Net loans and leases to core deposits | 142.1375% | 1,007 |
| Total domestic deposits to total assets | 78.9959% | 5,726 |
| Equity capital to assets | 16.1885% | 841 |
| Core capital (leverage) ratio | 10.1093% | 3,281 |
| Tier 1 risk-based capital ratio | 11.4370% | 5,472 |
| Total risk-based capital ratio | 12.6883% | 5,365 |
| Memoranda: | ||
| Average total assets | $66,040,000 | 6,249 |
| Average earning assets | $57,820,000 | 6,346 |
| Average equity | $11,062,000 | 5,092 |
| Average total loans | $56,804,000 | 5,512 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2606% | 135 |
| Cost of funding earning assets | 3.2107% | 1,157 |
| Net interest margin | 5.0499% | 453 |
| Noninterest income to average assets | 0.3272% | 6,104 |
| Noninterest expense to average assets | 3.1675% | 3,457 |
| Loan and lease loss provision to assets | 0.2472% | 4,441 |
| Net operating income to assets | 1.2619% | 1,596 |
| Return on assets (ROA) | 1.2619% | 1,543 |
| Pretax return on assets | 1.3252% | 2,222 |
| Return on Equity (ROE) | 7.6077% | 3,238 |
| Retained earnings to average equity (ytd only) | 0.9453% | 4,660 |
| Net charge-offs to loans | 0.1132% | 5,133 |
| Credit loss provision to net charge-offs | 256.2500% | 1,816 |
| Earnings coverage of net charge-offs (x) | 16.2969% | 1,856 |
| Efficiency ratio | 65.6807% | 5,192 |
| Assets per employee ($millions) | 3.8105% | 3,934 |
| Cash dividends to net income (ytd only)* | 87.5747% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 5,504 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,273 |
| Noncurrent loans to loans | 0.7466% | 5,163 |
| Net loans and leases to total assets | 85.9167% | 616 |
| Net loans and leases to deposits | 110.5909% | 798 |
| Net loans and leases to core deposits | 145.5477% | 1,028 |
| Total domestic deposits to total assets | 77.6888% | 5,805 |
| Equity capital to assets | 17.3343% | 739 |
| Core capital (leverage) ratio | 11.1383% | 2,473 |
| Tier 1 risk-based capital ratio | 12.2961% | 4,586 |
| Total risk-based capital ratio | 13.4226% | 4,576 |
| Memoranda: | ||
| Average total assets | $66,330,400 | 6,148 |
| Average earning assets | $57,962,000 | 6,262 |
| Average equity | $11,002,000 | 5,123 |
| Average total loans | $56,515,800 | 5,428 |