Home > Priority Bank > Performance and Condition Ratios
Priority 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 | 6.8804% | 250 |
| Cost of funding earning assets | 2.2141% | 626 |
| Net interest margin | 4.6663% | 491 |
| Noninterest income to average assets | 3.8600% | 155 |
| Noninterest expense to average assets | 5.5614% | 192 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.7113% | 206 |
| Return on assets (ROA) | 2.6841% | 208 |
| Pretax return on assets | 2.6841% | 286 |
| Return on Equity (ROE) | 24.4000% | 332 |
| Retained earnings to average equity (ytd only) | 13.4263% | 455 |
| Net charge-offs to loans | 0.0038% | 2,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 898.3333% | 168 |
| Efficiency ratio | 67.2261% | 2,205 |
| Assets per employee ($millions) | 3.2173% | 4,348 |
| Cash dividends to net income (ytd only)* | 44.9775% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7367% | 609 |
| Loan loss allowance to noncurrent loans | 107.6519% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 2.2708% | 108 |
| Noncurrent loans to loans | 1.6132% | 401 |
| Net loans and leases to total assets | 72.1100% | 1,570 |
| Net loans and leases to deposits | 92.7221% | 1,041 |
| Net loans and leases to core deposits | 132.9219% | 358 |
| Total domestic deposits to total assets | 77.7700% | 3,758 |
| Equity capital to assets | 10.1995% | 1,897 |
| Core capital (leverage) ratio | 11.3387% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $99,398,800 | 3,840 |
| Average earning assets | $94,078,400 | 3,797 |
| Average equity | $10,933,800 | 3,620 |
| Average total loans | $78,602,600 | 3,428 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8748% | 216 |
| Cost of funding earning assets | 2.0676% | 630 |
| Net interest margin | 4.8072% | 408 |
| Noninterest income to average assets | 4.4300% | 143 |
| Noninterest expense to average assets | 5.8037% | 186 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.1745% | 165 |
| Return on assets (ROA) | 3.1370% | 164 |
| Pretax return on assets | 3.1370% | 210 |
| Return on Equity (ROE) | 27.9200% | 274 |
| Retained earnings to average equity (ytd only) | 21.7483% | 202 |
| Net charge-offs to loans | 0.0241% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 163.4286% | 690 |
| Efficiency ratio | 64.6423% | 2,427 |
| Assets per employee ($millions) | 2.7243% | 4,430 |
| Cash dividends to net income (ytd only)* | 22.1141% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 539 |
| Loan loss allowance to noncurrent loans | 62.4561% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 3.5309% | 49 |
| Noncurrent loans to loans | 2.9231% | 145 |
| Net loans and leases to total assets | 78.0800% | 870 |
| Net loans and leases to deposits | 105.2013% | 316 |
| Net loans and leases to core deposits | 159.3188% | 105 |
| Total domestic deposits to total assets | 74.2200% | 4,146 |
| Equity capital to assets | 11.8031% | 1,090 |
| Core capital (leverage) ratio | 11.9634% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $96,097,500 | 3,878 |
| Average earning assets | $90,861,500 | 3,840 |
| Average equity | $10,796,000 | 3,641 |
| Average total loans | $77,596,000 | 3,446 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5543% | 250 |
| Cost of funding earning assets | 1.8312% | 698 |
| Net interest margin | 4.7230% | 442 |
| Noninterest income to average assets | 4.3700% | 136 |
| Noninterest expense to average assets | 5.8530% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.9862% | 154 |
| Return on assets (ROA) | 2.9297% | 157 |
| Pretax return on assets | 2.9297% | 221 |
| Return on Equity (ROE) | 26.5400% | 306 |
| Retained earnings to average equity (ytd only) | 18.9446% | 286 |
| Net charge-offs to loans | 0.0361% | 1,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 101.7857% | 926 |
| Efficiency ratio | 66.2162% | 2,208 |
| Assets per employee ($millions) | 2.8218% | 4,457 |
| Cash dividends to net income (ytd only)* | 28.6123% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 556 |
| Loan loss allowance to noncurrent loans | 73.2510% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 3.0700% | 62 |
| Noncurrent loans to loans | 2.5077% | 182 |
| Net loans and leases to total assets | 77.0500% | 937 |
| Net loans and leases to deposits | 99.9527% | 515 |
| Net loans and leases to core deposits | 142.8488% | 191 |
| Total domestic deposits to total assets | 77.0900% | 3,943 |
| Equity capital to assets | 10.9688% | 1,399 |
| Core capital (leverage) ratio | 11.3347% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $95,438,000 | 3,889 |
| Average earning assets | $90,323,000 | 3,861 |
| Average equity | $10,536,000 | 3,674 |
| Average total loans | $77,461,667 | 3,452 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2551% | 234 |
| Cost of funding earning assets | 1.4940% | 858 |
| Net interest margin | 4.7611% | 400 |
| Noninterest income to average assets | 5.0100% | 125 |
| Noninterest expense to average assets | 5.9973% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.5233% | 118 |
| Return on assets (ROA) | 3.5233% | 118 |
| Pretax return on assets | 3.5233% | 139 |
| Return on Equity (ROE) | 31.8100% | 204 |
| Retained earnings to average equity (ytd only) | 31.8075% | 100 |
| Net charge-offs to loans | -0.0155% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9928% | 2,568 |
| Assets per employee ($millions) | 2.8503% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 548 |
| Loan loss allowance to noncurrent loans | 80.6831% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 2.1422% | 105 |
| Noncurrent loans to loans | 2.3429% | 210 |
| Net loans and leases to total assets | 77.1700% | 860 |
| Net loans and leases to deposits | 101.0307% | 393 |
| Net loans and leases to core deposits | 143.7927% | 158 |
| Total domestic deposits to total assets | 76.3900% | 4,138 |
| Equity capital to assets | 11.1733% | 1,280 |
| Core capital (leverage) ratio | 12.1107% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $93,776,000 | 3,960 |
| Average earning assets | $88,887,500 | 3,930 |
| Average equity | $10,387,500 | 3,733 |
| Average total loans | $77,432,000 | 3,492 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 166 |
| Cost of funding earning assets | 0.9045% | 248 |
| Net interest margin | 4.5273% | 279 |
| Noninterest income to average assets | 4.1400% | 143 |
| Noninterest expense to average assets | 5.8583% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.5855% | 138 |
| Return on assets (ROA) | 2.5855% | 135 |
| Pretax return on assets | 2.5855% | 189 |
| Return on Equity (ROE) | 24.9400% | 214 |
| Retained earnings to average equity (ytd only) | 10.4136% | 1,037 |
| Net charge-offs to loans | -0.0147% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3801% | 1,773 |
| Assets per employee ($millions) | 2.6659% | 4,568 |
| Cash dividends to net income (ytd only)* | 58.2528% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 625 |
| Loan loss allowance to noncurrent loans | 77.8560% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.4150% | 81 |
| Noncurrent loans to loans | 2.3488% | 206 |
| Net loans and leases to total assets | 85.1700% | 202 |
| Net loans and leases to deposits | 124.9466% | 55 |
| Net loans and leases to core deposits | 142.4851% | 128 |
| Total domestic deposits to total assets | 68.1600% | 4,503 |
| Equity capital to assets | 10.9739% | 1,266 |
| Core capital (leverage) ratio | 11.5256% | 1,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $92,092,200 | 3,991 |
| Average earning assets | $87,558,600 | 3,951 |
| Average equity | $9,545,200 | 3,926 |
| Average total loans | $74,659,400 | 3,494 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 167 |
| Cost of funding earning assets | 0.8780% | 115 |
| Net interest margin | 4.2992% | 337 |
| Noninterest income to average assets | 4.3800% | 143 |
| Noninterest expense to average assets | 5.9300% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.5367% | 150 |
| Return on assets (ROA) | 2.5367% | 147 |
| Pretax return on assets | 2.5367% | 206 |
| Return on Equity (ROE) | 24.8300% | 189 |
| Retained earnings to average equity (ytd only) | 10.1924% | 1,289 |
| Net charge-offs to loans | -0.0090% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.0392% | 1,758 |
| Assets per employee ($millions) | 2.4661% | 4,621 |
| Cash dividends to net income (ytd only)* | 58.9540% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0126% | 492 |
| Loan loss allowance to noncurrent loans | 85.7999% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 2.2652% | 106 |
| Noncurrent loans to loans | 2.3457% | 234 |
| Net loans and leases to total assets | 78.5300% | 661 |
| Net loans and leases to deposits | 104.9669% | 214 |
| Net loans and leases to core deposits | 120.3774% | 253 |
| Total domestic deposits to total assets | 74.8200% | 4,419 |
| Equity capital to assets | 10.9622% | 1,193 |
| Core capital (leverage) ratio | 10.5910% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $92,454,750 | 4,016 |
| Average earning assets | $87,921,250 | 3,976 |
| Average equity | $9,444,750 | 3,986 |
| Average total loans | $73,665,500 | 3,524 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 171 |
| Cost of funding earning assets | 0.8973% | 62 |
| Net interest margin | 4.1029% | 396 |
| Noninterest income to average assets | 3.8685% | 122 |
| Noninterest expense to average assets | 5.7216% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0517% | 206 |
| Return on assets (ROA) | 2.0517% | 210 |
| Pretax return on assets | 2.0517% | 338 |
| Return on Equity (ROE) | 20.5583% | 274 |
| Retained earnings to average equity (ytd only) | 5.0059% | 2,709 |
| Net charge-offs to loans | 0.0027% | 1,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 961.0000% | 134 |
| Efficiency ratio | 73.6062% | 1,557 |
| Assets per employee ($millions) | 2.4913% | 4,670 |
| Cash dividends to net income (ytd only)* | 75.6504% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9157% | 644 |
| Loan loss allowance to noncurrent loans | 97.4044% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 2.2012% | 108 |
| Noncurrent loans to loans | 1.9668% | 330 |
| Net loans and leases to total assets | 79.2055% | 463 |
| Net loans and leases to deposits | 105.1926% | 146 |
| Net loans and leases to core deposits | 121.7990% | 183 |
| Total domestic deposits to total assets | 75.2956% | 4,493 |
| Equity capital to assets | 10.1434% | 1,632 |
| Core capital (leverage) ratio | 9.9402% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,680,333 | 4,049 |
| Average earning assets | $89,157,333 | 4,020 |
| Average equity | $9,349,000 | 4,068 |
| Average total loans | $74,503,667 | 3,541 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 181 |
| Cost of funding earning assets | 0.9105% | 54 |
| Net interest margin | 3.9487% | 450 |
| Noninterest income to average assets | 3.1557% | 155 |
| Noninterest expense to average assets | 5.5744% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3470% | 907 |
| Return on assets (ROA) | 1.3470% | 892 |
| Pretax return on assets | 1.3470% | 1,386 |
| Return on Equity (ROE) | 13.6065% | 912 |
| Retained earnings to average equity (ytd only) | 13.6065% | 409 |
| Net charge-offs to loans | -0.0161% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5386% | 1,104 |
| Assets per employee ($millions) | 2.4436% | 4,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 680 |
| Loan loss allowance to noncurrent loans | 91.3738% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.0375% | 137 |
| Noncurrent loans to loans | 2.1319% | 326 |
| Net loans and leases to total assets | 77.5151% | 413 |
| Net loans and leases to deposits | 103.4910% | 122 |
| Net loans and leases to core deposits | 122.0604% | 138 |
| Total domestic deposits to total assets | 74.9004% | 4,542 |
| Equity capital to assets | 10.2264% | 1,740 |
| Core capital (leverage) ratio | 9.8596% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,431,500 | 4,053 |
| Average earning assets | $90,056,000 | 4,021 |
| Average equity | $9,348,500 | 4,125 |
| Average total loans | $74,537,500 | 3,548 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 211 |
| Cost of funding earning assets | 1.1021% | 46 |
| Net interest margin | 4.0443% | 648 |
| Noninterest income to average assets | 6.0426% | 96 |
| Noninterest expense to average assets | 6.2334% | 122 |
| Loan and lease loss provision to assets | 0.1031% | 1,218 |
| Net operating income to assets | 3.5538% | 75 |
| Return on assets (ROA) | 3.5538% | 78 |
| Pretax return on assets | 3.5538% | 100 |
| Return on Equity (ROE) | 35.8473% | 37 |
| Retained earnings to average equity (ytd only) | 1.2687% | 4,184 |
| Net charge-offs to loans | 0.0185% | 1,911 |
| Credit loss provision to net charge-offs | 666.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 236.4667% | 488 |
| Efficiency ratio | 63.0251% | 2,712 |
| Assets per employee ($millions) | 2.5264% | 4,741 |
| Cash dividends to net income (ytd only)* | 96.4607% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 747 |
| Loan loss allowance to noncurrent loans | 143.5614% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.5572% | 258 |
| Noncurrent loans to loans | 1.3137% | 717 |
| Net loans and leases to total assets | 77.3283% | 423 |
| Net loans and leases to deposits | 102.0874% | 162 |
| Net loans and leases to core deposits | 121.9071% | 153 |
| Total domestic deposits to total assets | 75.7471% | 4,522 |
| Equity capital to assets | 9.5839% | 3,056 |
| Core capital (leverage) ratio | 9.4343% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,994,000 | 4,025 |
| Average earning assets | $92,277,800 | 3,991 |
| Average equity | $9,615,800 | 4,181 |
| Average total loans | $81,029,200 | 3,463 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 203 |
| Cost of funding earning assets | 1.1506% | 45 |
| Net interest margin | 4.1151% | 633 |
| Noninterest income to average assets | 5.9809% | 99 |
| Noninterest expense to average assets | 6.0124% | 123 |
| Loan and lease loss provision to assets | 0.1368% | 830 |
| Net operating income to assets | 3.7445% | 78 |
| Return on assets (ROA) | 3.7445% | 79 |
| Pretax return on assets | 3.7445% | 102 |
| Return on Equity (ROE) | 37.4633% | 48 |
| Retained earnings to average equity (ytd only) | 11.7424% | 892 |
| Net charge-offs to loans | 0.0291% | 1,467 |
| Credit loss provision to net charge-offs | 555.5556% | 726 |
| Earnings coverage of net charge-offs (x) | 157.2778% | 656 |
| Efficiency ratio | 60.7677% | 2,868 |
| Assets per employee ($millions) | 2.4558% | 4,819 |
| Cash dividends to net income (ytd only)* | 68.6562% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 905 |
| Loan loss allowance to noncurrent loans | 208.7977% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 578 |
| Noncurrent loans to loans | 0.8681% | 1,325 |
| Net loans and leases to total assets | 82.6599% | 160 |
| Net loans and leases to deposits | 116.0229% | 53 |
| Net loans and leases to core deposits | 140.0185% | 81 |
| Total domestic deposits to total assets | 71.2444% | 4,704 |
| Equity capital to assets | 10.6771% | 2,285 |
| Core capital (leverage) ratio | 10.1863% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,241,250 | 4,066 |
| Average earning assets | $92,469,500 | 4,037 |
| Average equity | $9,719,500 | 4,220 |
| Average total loans | $82,370,000 | 3,481 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3378% | 204 |
| Cost of funding earning assets | 1.1577% | 53 |
| Net interest margin | 4.1801% | 606 |
| Noninterest income to average assets | 6.1391% | 97 |
| Noninterest expense to average assets | 6.0295% | 124 |
| Loan and lease loss provision to assets | 0.2029% | 549 |
| Net operating income to assets | 3.8783% | 71 |
| Return on assets (ROA) | 3.8783% | 72 |
| Pretax return on assets | 3.8783% | 93 |
| Return on Equity (ROE) | 39.6555% | 46 |
| Retained earnings to average equity (ytd only) | 12.1602% | 879 |
| Net charge-offs to loans | 0.0526% | 1,092 |
| Credit loss provision to net charge-offs | 454.5455% | 712 |
| Earnings coverage of net charge-offs (x) | 91.4091% | 787 |
| Efficiency ratio | 59.6347% | 3,062 |
| Assets per employee ($millions) | 2.5708% | 4,843 |
| Cash dividends to net income (ytd only)* | 69.3354% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8259% | 851 |
| Loan loss allowance to noncurrent loans | 199.4382% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 1.6474% | 319 |
| Noncurrent loans to loans | 0.9155% | 1,352 |
| Net loans and leases to total assets | 80.2677% | 301 |
| Net loans and leases to deposits | 111.9602% | 91 |
| Net loans and leases to core deposits | 135.1884% | 100 |
| Total domestic deposits to total assets | 71.6931% | 4,717 |
| Equity capital to assets | 10.2042% | 2,665 |
| Core capital (leverage) ratio | 9.7219% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,548,000 | 4,077 |
| Average earning assets | $93,634,000 | 4,051 |
| Average equity | $9,638,000 | 4,244 |
| Average total loans | $83,639,000 | 3,486 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 221 |
| Cost of funding earning assets | 1.1794% | 60 |
| Net interest margin | 4.1721% | 634 |
| Noninterest income to average assets | 6.4590% | 99 |
| Noninterest expense to average assets | 5.9404% | 120 |
| Loan and lease loss provision to assets | 0.3990% | 193 |
| Net operating income to assets | 4.0853% | 76 |
| Return on assets (ROA) | 4.0853% | 78 |
| Pretax return on assets | 4.0853% | 99 |
| Return on Equity (ROE) | 42.6489% | 56 |
| Retained earnings to average equity (ytd only) | 42.6489% | 27 |
| Net charge-offs to loans | 0.1155% | 612 |
| Credit loss provision to net charge-offs | 400.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 44.9600% | 942 |
| Efficiency ratio | 56.9843% | 3,429 |
| Assets per employee ($millions) | 2.5781% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 1,046 |
| Loan loss allowance to noncurrent loans | 123.1103% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 2.1119% | 230 |
| Noncurrent loans to loans | 1.3810% | 917 |
| Net loans and leases to total assets | 83.6282% | 165 |
| Net loans and leases to deposits | 120.0745% | 67 |
| Net loans and leases to core deposits | 140.1509% | 92 |
| Total domestic deposits to total assets | 69.6469% | 4,776 |
| Equity capital to assets | 10.3821% | 2,369 |
| Core capital (leverage) ratio | 9.8742% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,263,000 | 4,073 |
| Average earning assets | $95,300,500 | 4,035 |
| Average equity | $9,604,000 | 4,258 |
| Average total loans | $86,574,000 | 3,460 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9436% | 101 |
| Cost of funding earning assets | 1.7058% | 34 |
| Net interest margin | 4.2378% | 580 |
| Noninterest income to average assets | 4.5092% | 121 |
| Noninterest expense to average assets | 5.6159% | 148 |
| Loan and lease loss provision to assets | 0.1691% | 2,270 |
| Net operating income to assets | 2.7524% | 110 |
| Return on assets (ROA) | 2.7524% | 113 |
| Pretax return on assets | 2.7524% | 141 |
| Return on Equity (ROE) | 31.1968% | 60 |
| Retained earnings to average equity (ytd only) | 16.8204% | 107 |
| Net charge-offs to loans | -0.0189% | 4,410 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7794% | 2,564 |
| Assets per employee ($millions) | 2.6989% | 4,867 |
| Cash dividends to net income (ytd only)* | 46.0829% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,602 |
| Loan loss allowance to noncurrent loans | 121.5580% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 2.1870% | 242 |
| Noncurrent loans to loans | 1.2294% | 1,133 |
| Net loans and leases to total assets | 86.2538% | 91 |
| Net loans and leases to deposits | 126.5337% | 51 |
| Net loans and leases to core deposits | 147.7280% | 94 |
| Total domestic deposits to total assets | 68.1666% | 4,810 |
| Equity capital to assets | 8.8115% | 4,212 |
| Core capital (leverage) ratio | 9.2548% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,607,000 | 4,059 |
| Average earning assets | $89,929,400 | 4,028 |
| Average equity | $8,347,000 | 4,384 |
| Average total loans | $84,486,400 | 3,490 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 98 |
| Cost of funding earning assets | 1.8588% | 26 |
| Net interest margin | 4.2140% | 707 |
| Noninterest income to average assets | 4.2222% | 125 |
| Noninterest expense to average assets | 5.6373% | 144 |
| Loan and lease loss provision to assets | 0.1220% | 2,805 |
| Net operating income to assets | 2.4703% | 149 |
| Return on assets (ROA) | 2.4703% | 157 |
| Pretax return on assets | 2.4703% | 222 |
| Return on Equity (ROE) | 27.9888% | 79 |
| Retained earnings to average equity (ytd only) | 13.3093% | 303 |
| Net charge-offs to loans | -0.0529% | 4,693 |
| Credit loss provision to net charge-offs | -257.5758% | 3,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4975% | 2,115 |
| Assets per employee ($millions) | 2.5674% | 4,916 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,438 |
| Loan loss allowance to noncurrent loans | 71.8523% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.6055% | 193 |
| Noncurrent loans to loans | 2.0638% | 585 |
| Net loans and leases to total assets | 87.4338% | 91 |
| Net loans and leases to deposits | 132.0971% | 49 |
| Net loans and leases to core deposits | 156.9772% | 92 |
| Total domestic deposits to total assets | 66.1890% | 4,850 |
| Equity capital to assets | 8.6559% | 4,368 |
| Core capital (leverage) ratio | 8.7950% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,619,000 | 4,085 |
| Average earning assets | $88,085,250 | 4,057 |
| Average equity | $8,174,500 | 4,421 |
| Average total loans | $83,157,250 | 3,525 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0246% | 144 |
| Cost of funding earning assets | 2.0190% | 22 |
| Net interest margin | 4.0056% | 1,304 |
| Noninterest income to average assets | 4.2519% | 119 |
| Noninterest expense to average assets | 5.8656% | 138 |
| Loan and lease loss provision to assets | 0.1099% | 2,913 |
| Net operating income to assets | 2.0842% | 273 |
| Return on assets (ROA) | 2.0842% | 308 |
| Pretax return on assets | 2.0842% | 459 |
| Return on Equity (ROE) | 23.4528% | 134 |
| Retained earnings to average equity (ytd only) | 23.4528% | 59 |
| Net charge-offs to loans | -0.0317% | 4,561 |
| Credit loss provision to net charge-offs | -384.6154% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7769% | 1,591 |
| Assets per employee ($millions) | 2.5997% | 4,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,274 |
| Loan loss allowance to noncurrent loans | 59.1434% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 2.9323% | 164 |
| Noncurrent loans to loans | 2.5311% | 454 |
| Net loans and leases to total assets | 88.8810% | 48 |
| Net loans and leases to deposits | 132.6493% | 46 |
| Net loans and leases to core deposits | 150.4549% | 107 |
| Total domestic deposits to total assets | 67.0044% | 4,863 |
| Equity capital to assets | 9.4243% | 3,723 |
| Core capital (leverage) ratio | 9.1286% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,971,000 | 4,114 |
| Average earning assets | $86,478,333 | 4,070 |
| Average equity | $8,084,333 | 4,447 |
| Average total loans | $82,014,000 | 3,544 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0312% | 158 |
| Cost of funding earning assets | 2.1153% | 20 |
| Net interest margin | 3.9159% | 1,622 |
| Noninterest income to average assets | 4.0456% | 107 |
| Noninterest expense to average assets | 5.9497% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8161% | 398 |
| Return on assets (ROA) | 1.8161% | 441 |
| Pretax return on assets | 1.8161% | 671 |
| Return on Equity (ROE) | 21.0741% | 133 |
| Retained earnings to average equity (ytd only) | 21.0741% | 53 |
| Net charge-offs to loans | -0.0439% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6138% | 1,497 |
| Assets per employee ($millions) | 2.4745% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,475 |
| Loan loss allowance to noncurrent loans | 64.0676% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.8434% | 217 |
| Noncurrent loans to loans | 2.2838% | 554 |
| Net loans and leases to total assets | 88.8283% | 57 |
| Net loans and leases to deposits | 127.6455% | 45 |
| Net loans and leases to core deposits | 142.9191% | 148 |
| Total domestic deposits to total assets | 69.5898% | 4,869 |
| Equity capital to assets | 9.0344% | 4,582 |
| Core capital (leverage) ratio | 8.6315% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6031% | 1,715 |
| Memoranda: | ||
| Average total assets | $90,962,500 | 4,104 |
| Average earning assets | $86,418,000 | 4,073 |
| Average equity | $7,839,000 | 4,502 |
| Average total loans | $81,971,000 | 3,548 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3396% | 134 |
| Cost of funding earning assets | 2.1780% | 27 |
| Net interest margin | 4.1615% | 1,390 |
| Noninterest income to average assets | 4.2904% | 108 |
| Noninterest expense to average assets | 5.9016% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.3186% | 181 |
| Return on assets (ROA) | 2.3186% | 192 |
| Pretax return on assets | 2.3186% | 297 |
| Return on Equity (ROE) | 26.2351% | 60 |
| Retained earnings to average equity (ytd only) | 2.8457% | 3,616 |
| Net charge-offs to loans | -0.0219% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7938% | 1,897 |
| Assets per employee ($millions) | 2.5093% | 4,994 |
| Cash dividends to net income (ytd only)* | 89.1530% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,543 |
| Loan loss allowance to noncurrent loans | 75.2744% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 2.2016% | 335 |
| Noncurrent loans to loans | 1.8521% | 722 |
| Net loans and leases to total assets | 88.8285% | 70 |
| Net loans and leases to deposits | 140.7259% | 18 |
| Net loans and leases to core deposits | 154.9275% | 100 |
| Total domestic deposits to total assets | 63.1216% | 5,062 |
| Equity capital to assets | 8.2182% | 5,005 |
| Core capital (leverage) ratio | 8.6670% | 4,745 |
| Tier 1 risk-based capital ratio | 13.1803% | 3,696 |
| Total risk-based capital ratio | 14.4401% | 3,576 |
| Memoranda: | ||
| Average total assets | $87,077,600 | 4,185 |
| Average earning assets | $82,229,600 | 4,151 |
| Average equity | $7,695,800 | 4,543 |
| Average total loans | $77,729,400 | 3,641 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4271% | 123 |
| Cost of funding earning assets | 2.2046% | 24 |
| Net interest margin | 4.2225% | 1,320 |
| Noninterest income to average assets | 4.5073% | 104 |
| Noninterest expense to average assets | 6.0347% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4506% | 177 |
| Return on assets (ROA) | 2.4506% | 186 |
| Pretax return on assets | 2.4506% | 275 |
| Return on Equity (ROE) | 27.2114% | 60 |
| Retained earnings to average equity (ytd only) | 5.6013% | 2,570 |
| Net charge-offs to loans | -0.0420% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1193% | 1,950 |
| Assets per employee ($millions) | 2.3684% | 5,110 |
| Cash dividends to net income (ytd only)* | 79.4159% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,173 |
| Loan loss allowance to noncurrent loans | 100.6003% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 2.2097% | 361 |
| Noncurrent loans to loans | 1.5173% | 993 |
| Net loans and leases to total assets | 88.7580% | 72 |
| Net loans and leases to deposits | 133.8664% | 34 |
| Net loans and leases to core deposits | 147.8798% | 134 |
| Total domestic deposits to total assets | 66.3035% | 5,092 |
| Equity capital to assets | 9.0757% | 4,740 |
| Core capital (leverage) ratio | 8.8970% | 4,714 |
| Tier 1 risk-based capital ratio | 14.7542% | 2,975 |
| Total risk-based capital ratio | 16.0170% | 2,891 |
| Memoranda: | ||
| Average total assets | $85,636,250 | 4,264 |
| Average earning assets | $80,676,750 | 4,228 |
| Average equity | $7,712,250 | 4,599 |
| Average total loans | $76,252,500 | 3,701 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4445% | 121 |
| Cost of funding earning assets | 2.1639% | 25 |
| Net interest margin | 4.2806% | 1,185 |
| Noninterest income to average assets | 4.2700% | 107 |
| Noninterest expense to average assets | 5.9444% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3530% | 191 |
| Return on assets (ROA) | 2.3530% | 198 |
| Pretax return on assets | 2.3530% | 314 |
| Return on Equity (ROE) | 26.1953% | 74 |
| Retained earnings to average equity (ytd only) | 13.2145% | 283 |
| Net charge-offs to loans | -0.0447% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6414% | 1,974 |
| Assets per employee ($millions) | 2.4638% | 5,136 |
| Cash dividends to net income (ytd only)* | 49.5540% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,194 |
| Loan loss allowance to noncurrent loans | 122.4790% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 2.4817% | 303 |
| Noncurrent loans to loans | 1.2458% | 1,277 |
| Net loans and leases to total assets | 87.2669% | 142 |
| Net loans and leases to deposits | 130.2727% | 46 |
| Net loans and leases to core deposits | 153.0321% | 120 |
| Total domestic deposits to total assets | 66.9879% | 5,132 |
| Equity capital to assets | 9.1845% | 4,667 |
| Core capital (leverage) ratio | 9.0496% | 4,591 |
| Tier 1 risk-based capital ratio | 15.1696% | 2,761 |
| Total risk-based capital ratio | 16.4334% | 2,688 |
| Memoranda: | ||
| Average total assets | $85,761,330 | 4,286 |
| Average earning assets | $80,689,000 | 4,254 |
| Average equity | $7,703,670 | 4,622 |
| Average total loans | $76,053,670 | 3,730 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3835% | 131 |
| Cost of funding earning assets | 2.1162% | 28 |
| Net interest margin | 4.2673% | 1,155 |
| Noninterest income to average assets | 3.7462% | 114 |
| Noninterest expense to average assets | 6.0005% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7632% | 636 |
| Return on assets (ROA) | 1.7632% | 652 |
| Pretax return on assets | 1.7632% | 1,068 |
| Return on Equity (ROE) | 19.8539% | 274 |
| Retained earnings to average equity (ytd only) | 19.8539% | 110 |
| Net charge-offs to loans | -0.0264% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2892% | 1,351 |
| Assets per employee ($millions) | 2.4824% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 1,293 |
| Loan loss allowance to noncurrent loans | 91.4422% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 2.7715% | 243 |
| Noncurrent loans to loans | 1.6550% | 942 |
| Net loans and leases to total assets | 86.4382% | 166 |
| Net loans and leases to deposits | 129.0440% | 45 |
| Net loans and leases to core deposits | 150.6268% | 119 |
| Total domestic deposits to total assets | 66.9836% | 5,196 |
| Equity capital to assets | 8.9591% | 4,713 |
| Core capital (leverage) ratio | 9.0751% | 4,600 |
| Tier 1 risk-based capital ratio | 15.4646% | 2,669 |
| Total risk-based capital ratio | 16.7292% | 2,577 |
| Memoranda: | ||
| Average total assets | $85,526,000 | 4,333 |
| Average earning assets | $80,520,000 | 4,299 |
| Average equity | $7,595,500 | 4,671 |
| Average total loans | $75,871,500 | 3,768 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1234% | 142 |
| Cost of funding earning assets | 1.9406% | 16 |
| Net interest margin | 4.1828% | 1,440 |
| Noninterest income to average assets | 3.7043% | 116 |
| Noninterest expense to average assets | 6.2218% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4094% | 1,398 |
| Return on assets (ROA) | 1.4094% | 1,387 |
| Pretax return on assets | 1.4094% | 2,099 |
| Return on Equity (ROE) | 15.8378% | 664 |
| Retained earnings to average equity (ytd only) | 4.6222% | 2,981 |
| Net charge-offs to loans | 0.1905% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 8.3813% | 2,901 |
| Efficiency ratio | 81.5314% | 841 |
| Assets per employee ($millions) | 2.3380% | 5,256 |
| Cash dividends to net income (ytd only)* | 70.8155% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,223 |
| Loan loss allowance to noncurrent loans | 80.7449% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 2.9845% | 214 |
| Noncurrent loans to loans | 1.8851% | 734 |
| Net loans and leases to total assets | 88.3222% | 104 |
| Net loans and leases to deposits | 135.4154% | 33 |
| Net loans and leases to core deposits | 158.6203% | 100 |
| Total domestic deposits to total assets | 65.2231% | 5,257 |
| Equity capital to assets | 8.8003% | 4,738 |
| Core capital (leverage) ratio | 8.5494% | 4,999 |
| Tier 1 risk-based capital ratio | 14.7656% | 2,937 |
| Total risk-based capital ratio | 16.0300% | 2,859 |
| Memoranda: | ||
| Average total assets | $82,661,600 | 4,386 |
| Average earning assets | $77,604,400 | 4,357 |
| Average equity | $7,355,800 | 4,698 |
| Average total loans | $72,972,600 | 3,810 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0762% | 140 |
| Cost of funding earning assets | 1.8705% | 12 |
| Net interest margin | 4.2057% | 1,345 |
| Noninterest income to average assets | 3.9310% | 120 |
| Noninterest expense to average assets | 6.2626% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6139% | 940 |
| Return on assets (ROA) | 1.6139% | 944 |
| Pretax return on assets | 1.6139% | 1,534 |
| Return on Equity (ROE) | 18.0848% | 419 |
| Retained earnings to average equity (ytd only) | 10.3678% | 803 |
| Net charge-offs to loans | 0.2175% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.4407% | 2,709 |
| Efficiency ratio | 79.5104% | 991 |
| Assets per employee ($millions) | 2.3647% | 5,317 |
| Cash dividends to net income (ytd only)* | 42.6704% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6525% | 960 |
| Loan loss allowance to noncurrent loans | 77.1259% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 3.3690% | 186 |
| Noncurrent loans to loans | 2.1426% | 670 |
| Net loans and leases to total assets | 81.7968% | 748 |
| Net loans and leases to deposits | 124.4918% | 74 |
| Net loans and leases to core deposits | 143.8321% | 184 |
| Total domestic deposits to total assets | 65.7046% | 5,329 |
| Equity capital to assets | 8.9724% | 4,571 |
| Core capital (leverage) ratio | 8.8411% | 4,854 |
| Tier 1 risk-based capital ratio | 16.0059% | 2,450 |
| Total risk-based capital ratio | 17.2715% | 2,379 |
| Memoranda: | ||
| Average total assets | $82,285,000 | 4,438 |
| Average earning assets | $77,195,000 | 4,408 |
| Average equity | $7,343,000 | 4,743 |
| Average total loans | $72,343,750 | 3,859 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9852% | 144 |
| Cost of funding earning assets | 1.7594% | 14 |
| Net interest margin | 4.2258% | 1,220 |
| Noninterest income to average assets | 3.4129% | 140 |
| Noninterest expense to average assets | 6.2628% | 127 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1188% | 2,524 |
| Return on assets (ROA) | 1.1188% | 2,524 |
| Pretax return on assets | 1.1188% | 3,240 |
| Return on Equity (ROE) | 12.5610% | 1,520 |
| Retained earnings to average equity (ytd only) | 6.3495% | 2,386 |
| Net charge-offs to loans | 0.2333% | 686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.3529% | 2,717 |
| Efficiency ratio | 84.8434% | 637 |
| Assets per employee ($millions) | 2.3415% | 5,374 |
| Cash dividends to net income (ytd only)* | 49.4505% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,148 |
| Loan loss allowance to noncurrent loans | 87.8102% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 3.4439% | 186 |
| Noncurrent loans to loans | 1.8065% | 861 |
| Net loans and leases to total assets | 88.5379% | 120 |
| Net loans and leases to deposits | 158.5642% | 7 |
| Net loans and leases to core deposits | 188.6482% | 42 |
| Total domestic deposits to total assets | 55.8372% | 5,478 |
| Equity capital to assets | 8.6565% | 4,837 |
| Core capital (leverage) ratio | 9.1299% | 4,539 |
| Tier 1 risk-based capital ratio | 14.0718% | 3,321 |
| Total risk-based capital ratio | 15.3352% | 3,238 |
| Memoranda: | ||
| Average total assets | $81,337,330 | 4,491 |
| Average earning assets | $76,388,670 | 4,464 |
| Average equity | $7,244,670 | 4,810 |
| Average total loans | $72,857,670 | 3,872 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0349% | 131 |
| Cost of funding earning assets | 1.7364% | 12 |
| Net interest margin | 4.2985% | 949 |
| Noninterest income to average assets | 3.7216% | 128 |
| Noninterest expense to average assets | 6.2460% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5177% | 1,039 |
| Return on assets (ROA) | 1.5177% | 1,040 |
| Pretax return on assets | 1.5177% | 1,636 |
| Return on Equity (ROE) | 16.7902% | 530 |
| Retained earnings to average equity (ytd only) | 16.7902% | 200 |
| Net charge-offs to loans | 0.4484% | 339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.7875% | 2,357 |
| Efficiency ratio | 80.4516% | 1,094 |
| Assets per employee ($millions) | 2.1006% | 5,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 858 |
| Loan loss allowance to noncurrent loans | 78.5947% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 3.6322% | 196 |
| Noncurrent loans to loans | 2.2305% | 667 |
| Net loans and leases to total assets | 87.1040% | 189 |
| Net loans and leases to deposits | 147.7725% | 13 |
| Net loans and leases to core deposits | 175.4769% | 56 |
| Total domestic deposits to total assets | 58.9447% | 5,524 |
| Equity capital to assets | 9.4825% | 4,107 |
| Core capital (leverage) ratio | 9.3780% | 4,216 |
| Tier 1 risk-based capital ratio | 16.0268% | 2,459 |
| Total risk-based capital ratio | 17.2946% | 2,392 |
| Memoranda: | ||
| Average total assets | $79,858,500 | 4,571 |
| Average earning assets | $75,096,000 | 4,537 |
| Average equity | $7,218,500 | 4,865 |
| Average total loans | $71,368,500 | 3,940 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9706% | 141 |
| Cost of funding earning assets | 1.6336% | 12 |
| Net interest margin | 4.3371% | 891 |
| Noninterest income to average assets | 3.5346% | 144 |
| Noninterest expense to average assets | 6.2137% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4035% | 1,010 |
| Return on assets (ROA) | 1.4035% | 1,027 |
| Pretax return on assets | 1.4035% | 1,975 |
| Return on Equity (ROE) | 15.8683% | 498 |
| Retained earnings to average equity (ytd only) | 1.6166% | 4,337 |
| Net charge-offs to loans | 0.1112% | 1,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.1646% | 2,348 |
| Efficiency ratio | 81.5742% | 960 |
| Assets per employee ($millions) | 2.2776% | 5,519 |
| Cash dividends to net income (ytd only)* | 89.8123% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 869 |
| Loan loss allowance to noncurrent loans | 60.7261% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 3.5356% | 187 |
| Noncurrent loans to loans | 2.8728% | 398 |
| Net loans and leases to total assets | 88.4712% | 118 |
| Net loans and leases to deposits | 163.4565% | 8 |
| Net loans and leases to core deposits | 188.6216% | 45 |
| Total domestic deposits to total assets | 54.1253% | 5,612 |
| Equity capital to assets | 8.6188% | 5,019 |
| Core capital (leverage) ratio | 8.7848% | 4,876 |
| Tier 1 risk-based capital ratio | 14.7359% | 2,972 |
| Total risk-based capital ratio | 16.0045% | 2,895 |
| Memoranda: | ||
| Average total assets | $79,727,200 | 4,596 |
| Average earning assets | $75,051,000 | 4,562 |
| Average equity | $7,051,800 | 4,931 |
| Average total loans | $71,015,800 | 3,938 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9907% | 136 |
| Cost of funding earning assets | 1.6208% | 10 |
| Net interest margin | 4.3699% | 781 |
| Noninterest income to average assets | 3.3383% | 165 |
| Noninterest expense to average assets | 6.2218% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2262% | 1,591 |
| Return on assets (ROA) | 1.2262% | 1,621 |
| Pretax return on assets | 1.2262% | 2,798 |
| Return on Equity (ROE) | 13.7719% | 880 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,206 |
| Net charge-offs to loans | 0.1176% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 11.7426% | 2,480 |
| Efficiency ratio | 83.5369% | 791 |
| Assets per employee ($millions) | 2.1116% | 5,615 |
| Cash dividends to net income (ytd only)* | 100.0000% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8790% | 728 |
| Loan loss allowance to noncurrent loans | 74.2321% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 3.2498% | 264 |
| Noncurrent loans to loans | 2.5312% | 597 |
| Net loans and leases to total assets | 87.2261% | 189 |
| Net loans and leases to deposits | 156.8532% | 7 |
| Net loans and leases to core deposits | 177.7836% | 56 |
| Total domestic deposits to total assets | 55.6100% | 5,677 |
| Equity capital to assets | 8.8995% | 4,998 |
| Core capital (leverage) ratio | 8.7498% | 5,014 |
| Tier 1 risk-based capital ratio | 15.3851% | 2,754 |
| Total risk-based capital ratio | 16.6568% | 2,691 |
| Memoranda: | ||
| Average total assets | $79,160,250 | 4,651 |
| Average earning assets | $74,447,500 | 4,623 |
| Average equity | $7,048,000 | 4,986 |
| Average total loans | $70,312,250 | 3,985 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 113 |
| Cost of funding earning assets | 1.5869% | 10 |
| Net interest margin | 4.4878% | 579 |
| Noninterest income to average assets | 3.0590% | 182 |
| Noninterest expense to average assets | 6.2387% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0389% | 2,254 |
| Return on assets (ROA) | 1.0389% | 2,295 |
| Pretax return on assets | 1.0389% | 3,409 |
| Return on Equity (ROE) | 11.6672% | 1,397 |
| Retained earnings to average equity (ytd only) | 5.3110% | 2,520 |
| Net charge-offs to loans | 0.0652% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 17.9565% | 1,902 |
| Efficiency ratio | 85.7242% | 715 |
| Assets per employee ($millions) | 2.1492% | 5,650 |
| Cash dividends to net income (ytd only)* | 54.4794% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 761 |
| Loan loss allowance to noncurrent loans | 66.3704% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 3.6468% | 204 |
| Noncurrent loans to loans | 2.8219% | 484 |
| Net loans and leases to total assets | 88.5491% | 123 |
| Net loans and leases to deposits | 166.6848% | 9 |
| Net loans and leases to core deposits | 190.9328% | 48 |
| Total domestic deposits to total assets | 53.1237% | 5,724 |
| Equity capital to assets | 8.9799% | 4,925 |
| Core capital (leverage) ratio | 8.9749% | 4,753 |
| Tier 1 risk-based capital ratio | 15.8620% | 2,560 |
| Total risk-based capital ratio | 17.1353% | 2,488 |
| Memoranda: | ||
| Average total assets | $79,504,330 | 4,673 |
| Average earning assets | $74,736,330 | 4,643 |
| Average equity | $7,079,670 | 5,010 |
| Average total loans | $70,598,670 | 3,996 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0107% | 121 |
| Cost of funding earning assets | 1.5804% | 11 |
| Net interest margin | 4.4303% | 606 |
| Noninterest income to average assets | 2.9234% | 200 |
| Noninterest expense to average assets | 6.1186% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9661% | 2,453 |
| Return on assets (ROA) | 0.9661% | 2,507 |
| Pretax return on assets | 0.9661% | 3,513 |
| Return on Equity (ROE) | 10.8952% | 1,608 |
| Retained earnings to average equity (ytd only) | 10.8952% | 626 |
| Net charge-offs to loans | -0.0343% | 4,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 777 |
| Assets per employee ($millions) | 2.1306% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 674 |
| Loan loss allowance to noncurrent loans | 63.0395% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 4.2356% | 168 |
| Noncurrent loans to loans | 3.1668% | 407 |
| Net loans and leases to total assets | 85.5033% | 255 |
| Net loans and leases to deposits | 146.7314% | 10 |
| Net loans and leases to core deposits | 171.3719% | 58 |
| Total domestic deposits to total assets | 58.2720% | 5,781 |
| Equity capital to assets | 9.0636% | 4,748 |
| Core capital (leverage) ratio | 8.9536% | 4,793 |
| Tier 1 risk-based capital ratio | 16.1386% | 2,493 |
| Total risk-based capital ratio | 17.4124% | 2,433 |
| Memoranda: | ||
| Average total assets | $79,495,500 | 4,723 |
| Average earning assets | $74,667,000 | 4,684 |
| Average equity | $7,049,000 | 5,055 |
| Average total loans | $70,018,000 | 4,050 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0234% | 123 |
| Cost of funding earning assets | 1.6467% | 7 |
| Net interest margin | 4.3767% | 812 |
| Noninterest income to average assets | 3.5739% | 162 |
| Noninterest expense to average assets | 5.6503% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0521% | 282 |
| Return on assets (ROA) | 2.0521% | 296 |
| Pretax return on assets | 2.0521% | 445 |
| Return on Equity (ROE) | 24.8231% | 81 |
| Retained earnings to average equity (ytd only) | 5.0057% | 2,344 |
| Net charge-offs to loans | 0.0557% | 2,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 41.2439% | 1,153 |
| Efficiency ratio | 73.3575% | 2,366 |
| Assets per employee ($millions) | 2.2903% | 5,742 |
| Cash dividends to net income (ytd only)* | 79.8344% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 777 |
| Loan loss allowance to noncurrent loans | 63.9981% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 4.0145% | 189 |
| Noncurrent loans to loans | 2.9975% | 456 |
| Net loans and leases to total assets | 87.1917% | 168 |
| Net loans and leases to deposits | 140.8658% | 21 |
| Net loans and leases to core deposits | 162.4829% | 78 |
| Total domestic deposits to total assets | 61.8970% | 5,807 |
| Equity capital to assets | 8.6740% | 5,128 |
| Core capital (leverage) ratio | 8.3581% | 5,395 |
| Tier 1 risk-based capital ratio | 15.5049% | 2,747 |
| Total risk-based capital ratio | 16.7773% | 2,669 |
| Memoranda: | ||
| Average total assets | $82,402,000 | 4,686 |
| Average earning assets | $77,729,800 | 4,633 |
| Average equity | $6,812,200 | 5,134 |
| Average total loans | $73,551,400 | 3,950 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0270% | 120 |
| Cost of funding earning assets | 1.6476% | 8 |
| Net interest margin | 4.3794% | 807 |
| Noninterest income to average assets | 3.3797% | 178 |
| Noninterest expense to average assets | 5.6008% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9141% | 394 |
| Return on assets (ROA) | 1.9141% | 414 |
| Pretax return on assets | 1.9141% | 685 |
| Return on Equity (ROE) | 23.4316% | 110 |
| Retained earnings to average equity (ytd only) | 7.2007% | 1,529 |
| Net charge-offs to loans | 0.0648% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 33.0825% | 1,403 |
| Efficiency ratio | 74.5295% | 2,182 |
| Assets per employee ($millions) | 2.2651% | 5,813 |
| Cash dividends to net income (ytd only)* | 69.2694% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9078% | 840 |
| Loan loss allowance to noncurrent loans | 70.9044% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 3.5601% | 276 |
| Noncurrent loans to loans | 2.6907% | 614 |
| Net loans and leases to total assets | 86.5100% | 217 |
| Net loans and leases to deposits | 139.2460% | 19 |
| Net loans and leases to core deposits | 158.2937% | 96 |
| Total domestic deposits to total assets | 62.1275% | 5,868 |
| Equity capital to assets | 8.5576% | 5,500 |
| Core capital (leverage) ratio | 8.1378% | 5,619 |
| Tier 1 risk-based capital ratio | 15.3230% | 2,905 |
| Total risk-based capital ratio | 16.5962% | 2,823 |
| Memoranda: | ||
| Average total assets | $82,962,750 | 4,706 |
| Average earning assets | $78,334,250 | 4,653 |
| Average equity | $6,777,000 | 5,187 |
| Average total loans | $74,124,500 | 3,964 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0108% | 126 |
| Cost of funding earning assets | 1.6365% | 8 |
| Net interest margin | 4.3743% | 806 |
| Noninterest income to average assets | 2.9579% | 208 |
| Noninterest expense to average assets | 5.4796% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6108% | 701 |
| Return on assets (ROA) | 1.6108% | 750 |
| Pretax return on assets | 1.6108% | 1,343 |
| Return on Equity (ROE) | 20.0298% | 240 |
| Retained earnings to average equity (ytd only) | 10.3428% | 535 |
| Net charge-offs to loans | 0.0427% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,122 |
| Efficiency ratio | 77.2819% | 1,888 |
| Assets per employee ($millions) | 2.3368% | 5,850 |
| Cash dividends to net income (ytd only)* | 48.3631% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 1,035 |
| Loan loss allowance to noncurrent loans | 77.2475% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.2892% | 347 |
| Noncurrent loans to loans | 2.3677% | 761 |
| Net loans and leases to total assets | 88.8177% | 106 |
| Net loans and leases to deposits | 143.4410% | 15 |
| Net loans and leases to core deposits | 162.4389% | 83 |
| Total domestic deposits to total assets | 61.9193% | 5,956 |
| Equity capital to assets | 8.2723% | 5,706 |
| Core capital (leverage) ratio | 8.0794% | 5,683 |
| Tier 1 risk-based capital ratio | 14.7199% | 3,193 |
| Total risk-based capital ratio | 15.9921% | 3,133 |
| Memoranda: | ||
| Average total assets | $83,436,330 | 4,734 |
| Average earning assets | $78,824,670 | 4,679 |
| Average equity | $6,710,000 | 5,244 |
| Average total loans | $74,861,330 | 3,980 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0002% | 121 |
| Cost of funding earning assets | 1.6299% | 10 |
| Net interest margin | 4.3702% | 794 |
| Noninterest income to average assets | 2.7873% | 220 |
| Noninterest expense to average assets | 5.4397% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4779% | 893 |
| Return on assets (ROA) | 1.4779% | 937 |
| Pretax return on assets | 1.4779% | 1,664 |
| Return on Equity (ROE) | 18.6470% | 315 |
| Retained earnings to average equity (ytd only) | 18.6470% | 114 |
| Net charge-offs to loans | 0.0754% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.9286% | 1,421 |
| Efficiency ratio | 78.6360% | 1,809 |
| Assets per employee ($millions) | 2.3285% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8899% | 986 |
| Loan loss allowance to noncurrent loans | 69.2499% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 3.4345% | 334 |
| Noncurrent loans to loans | 2.7290% | 642 |
| Net loans and leases to total assets | 86.3302% | 203 |
| Net loans and leases to deposits | 136.4893% | 18 |
| Net loans and leases to core deposits | 154.1943% | 96 |
| Total domestic deposits to total assets | 63.2505% | 6,010 |
| Equity capital to assets | 8.2539% | 5,715 |
| Core capital (leverage) ratio | 8.0583% | 5,742 |
| Tier 1 risk-based capital ratio | 15.6173% | 2,853 |
| Total risk-based capital ratio | 16.8914% | 2,776 |
| Memoranda: | ||
| Average total assets | $83,092,500 | 4,784 |
| Average earning assets | $78,531,000 | 4,737 |
| Average equity | $6,585,500 | 5,309 |
| Average total loans | $74,237,500 | 4,015 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0992% | 117 |
| Cost of funding earning assets | 1.6764% | 11 |
| Net interest margin | 4.4228% | 755 |
| Noninterest income to average assets | 2.8064% | 225 |
| Noninterest expense to average assets | 5.3223% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6602% | 619 |
| Return on assets (ROA) | 1.6602% | 637 |
| Pretax return on assets | 1.6602% | 1,082 |
| Return on Equity (ROE) | 18.7692% | 327 |
| Retained earnings to average equity (ytd only) | -1.1422% | 5,678 |
| Net charge-offs to loans | 0.0598% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 30.9535% | 1,420 |
| Efficiency ratio | 76.2237% | 2,237 |
| Assets per employee ($millions) | 2.2877% | 5,974 |
| Cash dividends to net income (ytd only)* | 106.0856% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8845% | 983 |
| Loan loss allowance to noncurrent loans | 72.7273% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 3.2614% | 388 |
| Noncurrent loans to loans | 2.5912% | 691 |
| Net loans and leases to total assets | 89.0077% | 92 |
| Net loans and leases to deposits | 154.3783% | 9 |
| Net loans and leases to core deposits | 167.8459% | 63 |
| Total domestic deposits to total assets | 57.6556% | 6,110 |
| Equity capital to assets | 7.5912% | 5,969 |
| Core capital (leverage) ratio | 7.6387% | 5,948 |
| Tier 1 risk-based capital ratio | 13.7030% | 3,883 |
| Total risk-based capital ratio | 14.9759% | 3,803 |
| Memoranda: | ||
| Average total assets | $80,172,600 | 4,868 |
| Average earning assets | $75,698,600 | 4,816 |
| Average equity | $7,091,400 | 5,228 |
| Average total loans | $71,952,600 | 4,046 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1211% | 118 |
| Cost of funding earning assets | 1.6886% | 12 |
| Net interest margin | 4.4325% | 748 |
| Noninterest income to average assets | 2.6808% | 245 |
| Noninterest expense to average assets | 5.3649% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5003% | 921 |
| Return on assets (ROA) | 1.5003% | 954 |
| Pretax return on assets | 1.5003% | 1,680 |
| Return on Equity (ROE) | 16.3621% | 550 |
| Retained earnings to average equity (ytd only) | -0.6574% | 5,712 |
| Net charge-offs to loans | 0.0655% | 2,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.5976% | 1,656 |
| Efficiency ratio | 78.1463% | 1,928 |
| Assets per employee ($millions) | 2.3189% | 6,050 |
| Cash dividends to net income (ytd only)* | 104.0179% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9935% | 917 |
| Loan loss allowance to noncurrent loans | 82.1449% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 3.1442% | 460 |
| Noncurrent loans to loans | 2.4268% | 850 |
| Net loans and leases to total assets | 88.3591% | 121 |
| Net loans and leases to deposits | 149.4252% | 14 |
| Net loans and leases to core deposits | 162.5143% | 73 |
| Total domestic deposits to total assets | 59.1327% | 6,184 |
| Equity capital to assets | 7.9855% | 5,959 |
| Core capital (leverage) ratio | 7.7104% | 6,009 |
| Tier 1 risk-based capital ratio | 14.5542% | 3,532 |
| Total risk-based capital ratio | 15.8296% | 3,434 |
| Memoranda: | ||
| Average total assets | $79,626,250 | 4,934 |
| Average earning assets | $75,170,000 | 4,892 |
| Average equity | $7,301,250 | 5,256 |
| Average total loans | $71,262,500 | 4,101 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1203% | 117 |
| Cost of funding earning assets | 1.6971% | 12 |
| Net interest margin | 4.4232% | 732 |
| Noninterest income to average assets | 2.6162% | 257 |
| Noninterest expense to average assets | 5.3275% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4646% | 959 |
| Return on assets (ROA) | 1.4646% | 1,009 |
| Pretax return on assets | 1.4646% | 1,748 |
| Return on Equity (ROE) | 15.3215% | 689 |
| Retained earnings to average equity (ytd only) | 3.5357% | 3,777 |
| Net charge-offs to loans | 0.1094% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,009 |
| Efficiency ratio | 78.4372% | 2,000 |
| Assets per employee ($millions) | 2.3609% | 6,096 |
| Cash dividends to net income (ytd only)* | 76.9231% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 1,029 |
| Loan loss allowance to noncurrent loans | 97.3140% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 2.4916% | 759 |
| Noncurrent loans to loans | 2.0239% | 1,198 |
| Net loans and leases to total assets | 87.6132% | 161 |
| Net loans and leases to deposits | 147.6362% | 17 |
| Net loans and leases to core deposits | 161.9267% | 77 |
| Total domestic deposits to total assets | 59.3440% | 6,254 |
| Equity capital to assets | 8.0577% | 5,959 |
| Core capital (leverage) ratio | 8.0855% | 5,879 |
| Tier 1 risk-based capital ratio | 14.6975% | 3,529 |
| Total risk-based capital ratio | 15.9735% | 3,443 |
| Memoranda: | ||
| Average total assets | $79,887,330 | 4,979 |
| Average earning assets | $75,420,670 | 4,936 |
| Average equity | $7,636,330 | 5,236 |
| Average total loans | $71,322,670 | 4,127 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2142% | 103 |
| Cost of funding earning assets | 1.7451% | 10 |
| Net interest margin | 4.4691% | 639 |
| Noninterest income to average assets | 2.3941% | 288 |
| Noninterest expense to average assets | 5.2249% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3853% | 1,059 |
| Return on assets (ROA) | 1.3853% | 1,118 |
| Pretax return on assets | 1.3853% | 1,942 |
| Return on Equity (ROE) | 13.4298% | 1,003 |
| Retained earnings to average equity (ytd only) | 1.2651% | 4,982 |
| Net charge-offs to loans | 0.0281% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 55.2000% | 781 |
| Efficiency ratio | 79.0433% | 2,031 |
| Assets per employee ($millions) | 2.3159% | 6,186 |
| Cash dividends to net income (ytd only)* | 90.5797% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 985 |
| Loan loss allowance to noncurrent loans | 87.2135% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 3.2334% | 546 |
| Noncurrent loans to loans | 2.3586% | 1,043 |
| Net loans and leases to total assets | 87.4386% | 130 |
| Net loans and leases to deposits | 148.4636% | 17 |
| Net loans and leases to core deposits | 162.8699% | 75 |
| Total domestic deposits to total assets | 58.8956% | 6,331 |
| Equity capital to assets | 10.2983% | 3,777 |
| Core capital (leverage) ratio | 10.1136% | 3,452 |
| Tier 1 risk-based capital ratio | 18.8594% | 1,911 |
| Total risk-based capital ratio | 20.1355% | 1,862 |
| Memoranda: | ||
| Average total assets | $79,695,500 | 5,030 |
| Average earning assets | $75,183,000 | 4,983 |
| Average equity | $8,220,500 | 5,157 |
| Average total loans | $71,113,500 | 4,157 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1693% | 128 |
| Cost of funding earning assets | 1.7150% | 15 |
| Net interest margin | 4.4544% | 808 |
| Noninterest income to average assets | 2.3025% | 265 |
| Noninterest expense to average assets | 5.2525% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2650% | 1,389 |
| Return on assets (ROA) | 1.2650% | 1,445 |
| Pretax return on assets | 1.2650% | 2,370 |
| Return on Equity (ROE) | 12.6869% | 1,210 |
| Retained earnings to average equity (ytd only) | 2.2445% | 4,642 |
| Net charge-offs to loans | 0.1400% | 2,626 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.1635% | 2,646 |
| Efficiency ratio | 80.5913% | 1,832 |
| Assets per employee ($millions) | 2.6016% | 6,105 |
| Cash dividends to net income (ytd only)* | 82.3084% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 1,080 |
| Loan loss allowance to noncurrent loans | 75.8495% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 3.3627% | 561 |
| Noncurrent loans to loans | 2.6595% | 921 |
| Net loans and leases to total assets | 87.3900% | 141 |
| Net loans and leases to deposits | 141.6427% | 21 |
| Net loans and leases to core deposits | 155.2218% | 94 |
| Total domestic deposits to total assets | 61.6975% | 6,389 |
| Equity capital to assets | 10.3311% | 3,686 |
| Core capital (leverage) ratio | 10.1059% | 3,432 |
| Tier 1 risk-based capital ratio | 18.4162% | 2,011 |
| Total risk-based capital ratio | 19.7526% | 1,962 |
| Memoranda: | ||
| Average total assets | $83,560,200 | 4,971 |
| Average earning assets | $79,068,400 | 4,901 |
| Average equity | $8,331,400 | 5,120 |
| Average total loans | $74,297,400 | 4,047 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2145% | 123 |
| Cost of funding earning assets | 1.7145% | 16 |
| Net interest margin | 4.5001% | 736 |
| Noninterest income to average assets | 2.3475% | 264 |
| Noninterest expense to average assets | 5.0888% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5186% | 902 |
| Return on assets (ROA) | 1.5186% | 940 |
| Pretax return on assets | 1.5186% | 1,589 |
| Return on Equity (ROE) | 15.3635% | 761 |
| Retained earnings to average equity (ytd only) | 5.7613% | 2,563 |
| Net charge-offs to loans | 0.1478% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.5667% | 2,410 |
| Efficiency ratio | 77.0170% | 2,351 |
| Assets per employee ($millions) | 2.5739% | 6,171 |
| Cash dividends to net income (ytd only)* | 62.4999% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 1,130 |
| Loan loss allowance to noncurrent loans | 88.2564% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 3.0486% | 766 |
| Noncurrent loans to loans | 2.3454% | 1,270 |
| Net loans and leases to total assets | 84.6088% | 292 |
| Net loans and leases to deposits | 136.5387% | 26 |
| Net loans and leases to core deposits | 150.7648% | 98 |
| Total domestic deposits to total assets | 61.9669% | 6,467 |
| Equity capital to assets | 10.3272% | 3,760 |
| Core capital (leverage) ratio | 10.1067% | 3,523 |
| Tier 1 risk-based capital ratio | 19.6252% | 1,751 |
| Total risk-based capital ratio | 20.9510% | 1,707 |
| Memoranda: | ||
| Average total assets | $84,287,750 | 5,013 |
| Average earning assets | $79,789,750 | 4,947 |
| Average equity | $8,331,250 | 5,165 |
| Average total loans | $74,889,000 | 4,057 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2475% | 111 |
| Cost of funding earning assets | 1.7054% | 16 |
| Net interest margin | 4.5420% | 647 |
| Noninterest income to average assets | 2.0135% | 340 |
| Noninterest expense to average assets | 5.2373% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0786% | 2,013 |
| Return on assets (ROA) | 1.0786% | 2,084 |
| Pretax return on assets | 1.0786% | 3,186 |
| Return on Equity (ROE) | 11.0722% | 1,720 |
| Retained earnings to average equity (ytd only) | 6.2372% | 2,192 |
| Net charge-offs to loans | 0.2075% | 1,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.7975% | 2,868 |
| Efficiency ratio | 82.9232% | 1,640 |
| Assets per employee ($millions) | 2.9430% | 5,831 |
| Cash dividends to net income (ytd only)* | 43.6681% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 1,489 |
| Loan loss allowance to noncurrent loans | 142.6087% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 2.3493% | 1,251 |
| Noncurrent loans to loans | 1.3585% | 2,542 |
| Net loans and leases to total assets | 87.5401% | 112 |
| Net loans and leases to deposits | 138.7281% | 23 |
| Net loans and leases to core deposits | 152.6604% | 93 |
| Total domestic deposits to total assets | 63.1020% | 6,526 |
| Equity capital to assets | 9.8470% | 4,295 |
| Core capital (leverage) ratio | 9.6331% | 4,136 |
| Tier 1 risk-based capital ratio | 18.3568% | 2,111 |
| Total risk-based capital ratio | 19.6862% | 2,047 |
| Memoranda: | ||
| Average total assets | $84,928,670 | 5,042 |
| Average earning assets | $80,448,330 | 4,971 |
| Average equity | $8,273,000 | 5,198 |
| Average total loans | $76,131,670 | 4,037 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3532% | 101 |
| Cost of funding earning assets | 1.7291% | 16 |
| Net interest margin | 4.6241% | 537 |
| Noninterest income to average assets | 1.9311% | 354 |
| Noninterest expense to average assets | 4.7875% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5250% | 773 |
| Return on assets (ROA) | 1.5250% | 807 |
| Pretax return on assets | 1.5250% | 1,353 |
| Return on Equity (ROE) | 15.7417% | 673 |
| Retained earnings to average equity (ytd only) | 5.9945% | 2,546 |
| Net charge-offs to loans | 0.1997% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,016 |
| Efficiency ratio | 75.8414% | 2,829 |
| Assets per employee ($millions) | 2.9272% | 5,947 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 1,508 |
| Loan loss allowance to noncurrent loans | 141.9083% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 2.8637% | 1,022 |
| Noncurrent loans to loans | 1.4136% | 2,665 |
| Net loans and leases to total assets | 87.2940% | 98 |
| Net loans and leases to deposits | 140.2881% | 24 |
| Net loans and leases to core deposits | 155.0013% | 84 |
| Total domestic deposits to total assets | 62.2248% | 6,619 |
| Equity capital to assets | 9.7410% | 4,178 |
| Core capital (leverage) ratio | 9.5257% | 4,243 |
| Tier 1 risk-based capital ratio | 17.9283% | 2,328 |
| Total risk-based capital ratio | 19.2706% | 2,264 |
| Memoranda: | ||
| Average total assets | $84,720,000 | 5,095 |
| Average earning assets | $80,275,000 | 5,019 |
| Average equity | $8,207,500 | 5,240 |
| Average total loans | $76,103,500 | 4,061 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3927% | 103 |
| Cost of funding earning assets | 1.7666% | 22 |
| Net interest margin | 4.6261% | 579 |
| Noninterest income to average assets | 1.9482% | 409 |
| Noninterest expense to average assets | 4.5561% | 502 |
| Loan and lease loss provision to assets | 0.3116% | 1,068 |
| Net operating income to assets | 1.4587% | 898 |
| Return on assets (ROA) | 1.4587% | 943 |
| Pretax return on assets | 1.4587% | 1,590 |
| Return on Equity (ROE) | 16.2374% | 595 |
| Retained earnings to average equity (ytd only) | 5.1664% | 2,495 |
| Net charge-offs to loans | 0.1560% | 3,241 |
| Credit loss provision to net charge-offs | 225.6000% | 1,013 |
| Earnings coverage of net charge-offs (x) | 12.8160% | 2,094 |
| Efficiency ratio | 72.0175% | 3,467 |
| Assets per employee ($millions) | 3.1315% | 5,613 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 1,489 |
| Loan loss allowance to noncurrent loans | 184.6793% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 2.6398% | 1,279 |
| Noncurrent loans to loans | 1.0994% | 3,333 |
| Net loans and leases to total assets | 88.7417% | 65 |
| Net loans and leases to deposits | 143.3249% | 21 |
| Net loans and leases to core deposits | 158.5060% | 75 |
| Total domestic deposits to total assets | 61.9165% | 6,699 |
| Equity capital to assets | 9.6344% | 4,237 |
| Core capital (leverage) ratio | 9.4180% | 4,388 |
| Tier 1 risk-based capital ratio | 17.4295% | 2,442 |
| Total risk-based capital ratio | 18.7525% | 2,390 |
| Memoranda: | ||
| Average total assets | $90,493,200 | 4,970 |
| Average earning assets | $85,644,800 | 4,891 |
| Average equity | $8,129,400 | 5,301 |
| Average total loans | $80,145,000 | 3,933 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4189% | 100 |
| Cost of funding earning assets | 1.7648% | 25 |
| Net interest margin | 4.6541% | 563 |
| Noninterest income to average assets | 1.8975% | 450 |
| Noninterest expense to average assets | 4.2197% | 674 |
| Loan and lease loss provision to assets | 0.4088% | 728 |
| Net operating income to assets | 1.6728% | 650 |
| Return on assets (ROA) | 1.6728% | 685 |
| Pretax return on assets | 1.6728% | 1,161 |
| Return on Equity (ROE) | 18.9364% | 374 |
| Retained earnings to average equity (ytd only) | 14.8340% | 210 |
| Net charge-offs to loans | 0.2106% | 2,565 |
| Credit loss provision to net charge-offs | 220.3125% | 1,107 |
| Earnings coverage of net charge-offs (x) | 11.2189% | 2,264 |
| Efficiency ratio | 66.9657% | 4,310 |
| Assets per employee ($millions) | 3.3131% | 5,263 |
| Cash dividends to net income (ytd only)* | 21.6641% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9925% | 1,739 |
| Loan loss allowance to noncurrent loans | 247.9233% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 2.4828% | 1,553 |
| Noncurrent loans to loans | 0.8037% | 4,232 |
| Net loans and leases to total assets | 85.3379% | 176 |
| Net loans and leases to deposits | 135.2114% | 29 |
| Net loans and leases to core deposits | 150.4424% | 90 |
| Total domestic deposits to total assets | 63.1144% | 6,764 |
| Equity capital to assets | 9.6473% | 4,359 |
| Core capital (leverage) ratio | 9.4428% | 4,485 |
| Tier 1 risk-based capital ratio | 17.4075% | 2,541 |
| Total risk-based capital ratio | 18.7376% | 2,481 |
| Memoranda: | ||
| Average total assets | $91,978,750 | 4,975 |
| Average earning assets | $87,033,000 | 4,900 |
| Average equity | $8,125,250 | 5,361 |
| Average total loans | $81,034,500 | 3,937 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4588% | 101 |
| Cost of funding earning assets | 1.7917% | 26 |
| Net interest margin | 4.6671% | 537 |
| Noninterest income to average assets | 1.9737% | 453 |
| Noninterest expense to average assets | 4.3331% | 612 |
| Loan and lease loss provision to assets | 0.4309% | 691 |
| Net operating income to assets | 1.6268% | 712 |
| Return on assets (ROA) | 1.6268% | 779 |
| Pretax return on assets | 1.6268% | 1,287 |
| Return on Equity (ROE) | 18.9770% | 386 |
| Retained earnings to average equity (ytd only) | 12.6932% | 418 |
| Net charge-offs to loans | 0.1584% | 2,835 |
| Credit loss provision to net charge-offs | 307.6923% | 836 |
| Earnings coverage of net charge-offs (x) | 14.6923% | 1,804 |
| Efficiency ratio | 67.8018% | 4,216 |
| Assets per employee ($millions) | 3.4844% | 4,886 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 2,108 |
| Loan loss allowance to noncurrent loans | 103.2323% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 3.4980% | 1,104 |
| Noncurrent loans to loans | 1.8437% | 2,574 |
| Net loans and leases to total assets | 87.2156% | 112 |
| Net loans and leases to deposits | 136.7812% | 28 |
| Net loans and leases to core deposits | 147.2777% | 103 |
| Total domestic deposits to total assets | 63.7629% | 6,801 |
| Equity capital to assets | 9.0855% | 5,125 |
| Core capital (leverage) ratio | 8.8823% | 5,173 |
| Tier 1 risk-based capital ratio | 15.5402% | 3,458 |
| Total risk-based capital ratio | 16.8292% | 3,390 |
| Memoranda: | ||
| Average total assets | $92,820,000 | 4,990 |
| Average earning assets | $87,849,000 | 4,902 |
| Average equity | $7,957,000 | 5,441 |
| Average total loans | $82,082,330 | 3,924 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5133% | 93 |
| Cost of funding earning assets | 1.7890% | 25 |
| Net interest margin | 4.7243% | 458 |
| Noninterest income to average assets | 1.7757% | 513 |
| Noninterest expense to average assets | 3.9603% | 930 |
| Loan and lease loss provision to assets | 0.4258% | 705 |
| Net operating income to assets | 1.8652% | 425 |
| Return on assets (ROA) | 1.8652% | 466 |
| Pretax return on assets | 1.8652% | 781 |
| Return on Equity (ROE) | 22.4041% | 180 |
| Retained earnings to average equity (ytd only) | 9.6164% | 1,209 |
| Net charge-offs to loans | 0.2511% | 1,949 |
| Credit loss provision to net charge-offs | 192.3077% | 1,124 |
| Earnings coverage of net charge-offs (x) | 10.3462% | 1,753 |
| Efficiency ratio | 63.3515% | 5,104 |
| Assets per employee ($millions) | 3.5986% | 4,784 |
| Cash dividends to net income (ytd only)* | 57.0776% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 2,734 |
| Loan loss allowance to noncurrent loans | 105.7018% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 3.1283% | 1,409 |
| Noncurrent loans to loans | 1.6750% | 3,035 |
| Net loans and leases to total assets | 85.7467% | 130 |
| Net loans and leases to deposits | 137.1184% | 30 |
| Net loans and leases to core deposits | 147.4915% | 104 |
| Total domestic deposits to total assets | 62.5347% | 6,888 |
| Equity capital to assets | 8.4584% | 6,056 |
| Core capital (leverage) ratio | 8.2603% | 5,864 |
| Tier 1 risk-based capital ratio | 13.7319% | 4,699 |
| Total risk-based capital ratio | 14.9980% | 4,654 |
| Memoranda: | ||
| Average total assets | $93,932,500 | 5,002 |
| Average earning assets | $88,987,500 | 4,911 |
| Average equity | $7,820,000 | 5,532 |
| Average total loans | $82,850,500 | 3,926 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8322% | 87 |
| Cost of funding earning assets | 1.9742% | 34 |
| Net interest margin | 4.8580% | 489 |
| Noninterest income to average assets | 1.8731% | 478 |
| Noninterest expense to average assets | 4.3314% | 658 |
| Loan and lease loss provision to assets | 0.3562% | 1,875 |
| Net operating income to assets | 1.7865% | 523 |
| Return on assets (ROA) | 1.7865% | 584 |
| Pretax return on assets | 1.7865% | 942 |
| Return on Equity (ROE) | 21.3435% | 244 |
| Retained earnings to average equity (ytd only) | 6.5209% | 1,811 |
| Net charge-offs to loans | 0.3844% | 2,718 |
| Credit loss provision to net charge-offs | 104.5016% | 2,857 |
| Earnings coverage of net charge-offs (x) | 6.2862% | 2,842 |
| Efficiency ratio | 66.9037% | 4,345 |
| Assets per employee ($millions) | 3.6270% | 4,717 |
| Cash dividends to net income (ytd only)* | 69.4479% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 3,073 |
| Loan loss allowance to noncurrent loans | 170.9046% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 2.5779% | 1,885 |
| Noncurrent loans to loans | 0.9735% | 4,244 |
| Net loans and leases to total assets | 87.6226% | 92 |
| Net loans and leases to deposits | 139.3453% | 31 |
| Net loans and leases to core deposits | 149.7499% | 105 |
| Total domestic deposits to total assets | 62.8816% | 6,943 |
| Equity capital to assets | 8.1929% | 6,286 |
| Core capital (leverage) ratio | 7.9958% | 6,197 |
| Tier 1 risk-based capital ratio | 13.5027% | 4,750 |
| Total risk-based capital ratio | 14.7680% | 4,692 |
| Memoranda: | ||
| Average total assets | $91,240,600 | 5,044 |
| Average earning assets | $86,414,400 | 4,954 |
| Average equity | $7,637,000 | 5,601 |
| Average total loans | $80,915,400 | 4,011 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8865% | 87 |
| Cost of funding earning assets | 2.0165% | 28 |
| Net interest margin | 4.8700% | 501 |
| Noninterest income to average assets | 1.7419% | 518 |
| Noninterest expense to average assets | 4.0437% | 885 |
| Loan and lease loss provision to assets | 0.3684% | 1,765 |
| Net operating income to assets | 1.9423% | 414 |
| Return on assets (ROA) | 1.9423% | 477 |
| Pretax return on assets | 1.9423% | 791 |
| Return on Equity (ROE) | 23.0774% | 191 |
| Retained earnings to average equity (ytd only) | 10.7858% | 723 |
| Net charge-offs to loans | 0.5124% | 2,072 |
| Credit loss provision to net charge-offs | 81.1688% | 3,588 |
| Earnings coverage of net charge-offs (x) | 5.0909% | 3,116 |
| Efficiency ratio | 63.6364% | 4,865 |
| Assets per employee ($millions) | 3.6469% | 4,663 |
| Cash dividends to net income (ytd only)* | 53.2627% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 3,490 |
| Loan loss allowance to noncurrent loans | 171.7617% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.9542% | 2,708 |
| Noncurrent loans to loans | 0.9356% | 4,563 |
| Net loans and leases to total assets | 85.6233% | 159 |
| Net loans and leases to deposits | 136.7031% | 32 |
| Net loans and leases to core deposits | 152.8417% | 105 |
| Total domestic deposits to total assets | 62.6345% | 7,038 |
| Equity capital to assets | 8.2725% | 6,444 |
| Core capital (leverage) ratio | 8.0767% | 6,257 |
| Tier 1 risk-based capital ratio | 14.0765% | 4,472 |
| Total risk-based capital ratio | 15.3420% | 4,419 |
| Memoranda: | ||
| Average total assets | $90,475,500 | 5,124 |
| Average earning assets | $85,692,500 | 5,028 |
| Average equity | $7,614,750 | 5,666 |
| Average total loans | $80,137,500 | 4,078 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0004% | 82 |
| Cost of funding earning assets | 2.0977% | 25 |
| Net interest margin | 4.9026% | 471 |
| Noninterest income to average assets | 1.6040% | 577 |
| Noninterest expense to average assets | 4.1201% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1252% | 323 |
| Return on assets (ROA) | 2.1252% | 363 |
| Pretax return on assets | 2.1252% | 553 |
| Return on Equity (ROE) | 25.0984% | 144 |
| Retained earnings to average equity (ytd only) | 14.4329% | 313 |
| Net charge-offs to loans | 0.0479% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 49.7895% | 735 |
| Efficiency ratio | 65.9712% | 4,541 |
| Assets per employee ($millions) | 3.7205% | 4,482 |
| Cash dividends to net income (ytd only)* | 42.4947% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 3,204 |
| Loan loss allowance to noncurrent loans | 102.7088% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 2.0898% | 2,676 |
| Noncurrent loans to loans | 1.6605% | 3,404 |
| Net loans and leases to total assets | 88.1085% | 76 |
| Net loans and leases to deposits | 146.3548% | 23 |
| Net loans and leases to core deposits | 165.6169% | 77 |
| Total domestic deposits to total assets | 60.2020% | 7,129 |
| Equity capital to assets | 8.7041% | 6,025 |
| Core capital (leverage) ratio | 8.4971% | 5,650 |
| Tier 1 risk-based capital ratio | 15.0752% | 3,723 |
| Total risk-based capital ratio | 16.4015% | 3,634 |
| Memoranda: | ||
| Average total assets | $89,027,330 | 5,196 |
| Average earning assets | $84,281,330 | 5,091 |
| Average equity | $7,538,330 | 5,699 |
| Average total loans | $79,345,330 | 4,123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9896% | 90 |
| Cost of funding earning assets | 2.2346% | 21 |
| Net interest margin | 4.7550% | 621 |
| Noninterest income to average assets | 1.5479% | 604 |
| Noninterest expense to average assets | 4.2972% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7414% | 671 |
| Return on assets (ROA) | 1.7414% | 748 |
| Pretax return on assets | 1.7414% | 1,217 |
| Return on Equity (ROE) | 20.8583% | 325 |
| Retained earnings to average equity (ytd only) | 20.8583% | 165 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1624% | 3,592 |
| Assets per employee ($millions) | 3.7705% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 3,150 |
| Loan loss allowance to noncurrent loans | 189.5890% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.7316% | 3,260 |
| Noncurrent loans to loans | 0.9248% | 4,817 |
| Net loans and leases to total assets | 85.6960% | 129 |
| Net loans and leases to deposits | 141.4619% | 27 |
| Net loans and leases to core deposits | 156.8274% | 96 |
| Total domestic deposits to total assets | 60.5788% | 7,189 |
| Equity capital to assets | 8.4151% | 6,160 |
| Core capital (leverage) ratio | 8.2102% | 6,013 |
| Tier 1 risk-based capital ratio | 14.7828% | 3,904 |
| Total risk-based capital ratio | 16.0511% | 3,851 |
| Memoranda: | ||
| Average total assets | $88,895,500 | 5,244 |
| Average earning assets | $83,953,500 | 5,140 |
| Average equity | $7,421,500 | 5,760 |
| Average total loans | $78,999,000 | 4,152 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4831% | 69 |
| Cost of funding earning assets | 2.1300% | 64 |
| Net interest margin | 5.3531% | 220 |
| Noninterest income to average assets | 1.8814% | 415 |
| Noninterest expense to average assets | 3.4249% | 2,179 |
| Loan and lease loss provision to assets | 1.0270% | 917 |
| Net operating income to assets | 2.4650% | 139 |
| Return on assets (ROA) | 2.4650% | 147 |
| Pretax return on assets | 2.4650% | 217 |
| Return on Equity (ROE) | 28.7202% | 51 |
| Retained earnings to average equity (ytd only) | 2.0524% | 4,753 |
| Net charge-offs to loans | 0.3491% | 3,653 |
| Credit loss provision to net charge-offs | 327.0992% | 715 |
| Earnings coverage of net charge-offs (x) | 11.1221% | 1,752 |
| Efficiency ratio | 49.5149% | 6,863 |
| Assets per employee ($millions) | 3.6375% | 4,689 |
| Cash dividends to net income (ytd only)* | 92.8537% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 3,029 |
| Loan loss allowance to noncurrent loans | 105.0076% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 2.2165% | 2,716 |
| Noncurrent loans to loans | 1.6670% | 3,660 |
| Net loans and leases to total assets | 88.9838% | 61 |
| Net loans and leases to deposits | 147.6591% | 31 |
| Net loans and leases to core deposits | 184.4740% | 74 |
| Total domestic deposits to total assets | 60.2630% | 7,223 |
| Equity capital to assets | 8.2796% | 6,366 |
| Core capital (leverage) ratio | 8.0669% | 6,181 |
| Tier 1 risk-based capital ratio | 12.8851% | 5,165 |
| Total risk-based capital ratio | 14.1535% | 5,129 |
| Memoranda: | ||
| Average total assets | $83,447,600 | 5,355 |
| Average earning assets | $78,497,200 | 5,280 |
| Average equity | $7,162,200 | 5,819 |
| Average total loans | $75,044,200 | 4,314 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5786% | 67 |
| Cost of funding earning assets | 2.1442% | 69 |
| Net interest margin | 5.4344% | 194 |
| Noninterest income to average assets | 1.9300% | 402 |
| Noninterest expense to average assets | 3.2199% | 2,769 |
| Loan and lease loss provision to assets | 1.2155% | 641 |
| Net operating income to assets | 2.6073% | 133 |
| Return on assets (ROA) | 2.6073% | 139 |
| Pretax return on assets | 2.6073% | 204 |
| Return on Equity (ROE) | 30.0964% | 58 |
| Retained earnings to average equity (ytd only) | 3.7877% | 4,041 |
| Net charge-offs to loans | 0.4286% | 3,001 |
| Credit loss provision to net charge-offs | 315.9664% | 891 |
| Earnings coverage of net charge-offs (x) | 9.9368% | 1,982 |
| Efficiency ratio | 45.7195% | 7,075 |
| Assets per employee ($millions) | 3.6970% | 4,547 |
| Cash dividends to net income (ytd only)* | 87.4147% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 3,220 |
| Loan loss allowance to noncurrent loans | 108.9465% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 2.3392% | 2,743 |
| Noncurrent loans to loans | 1.5742% | 3,937 |
| Net loans and leases to total assets | 87.8172% | 84 |
| Net loans and leases to deposits | 157.4939% | 23 |
| Net loans and leases to core deposits | 193.8550% | 70 |
| Total domestic deposits to total assets | 55.7591% | 7,335 |
| Equity capital to assets | 8.3018% | 6,482 |
| Core capital (leverage) ratio | 8.0834% | 6,305 |
| Tier 1 risk-based capital ratio | 13.0155% | 5,086 |
| Total risk-based capital ratio | 14.2827% | 5,044 |
| Memoranda: | ||
| Average total assets | $82,484,750 | 5,422 |
| Average earning assets | $77,603,000 | 5,341 |
| Average equity | $7,145,750 | 5,865 |
| Average total loans | $74,038,750 | 4,384 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6828% | 64 |
| Cost of funding earning assets | 2.1739% | 76 |
| Net interest margin | 5.5089% | 176 |
| Noninterest income to average assets | 2.0996% | 338 |
| Noninterest expense to average assets | 3.3245% | 2,481 |
| Loan and lease loss provision to assets | 0.8232% | 1,113 |
| Net operating income to assets | 3.1359% | 96 |
| Return on assets (ROA) | 3.1359% | 97 |
| Pretax return on assets | 3.1359% | 130 |
| Return on Equity (ROE) | 35.6811% | 42 |
| Retained earnings to average equity (ytd only) | 16.1680% | 197 |
| Net charge-offs to loans | 0.4360% | 2,831 |
| Credit loss provision to net charge-offs | 210.0000% | 1,434 |
| Earnings coverage of net charge-offs (x) | 10.1000% | 1,855 |
| Efficiency ratio | 45.6441% | 7,170 |
| Assets per employee ($millions) | 3.7099% | 4,416 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 5,557 |
| Loan loss allowance to noncurrent loans | 78.6667% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.9518% | 3,306 |
| Noncurrent loans to loans | 1.5214% | 4,141 |
| Net loans and leases to total assets | 89.5144% | 48 |
| Net loans and leases to deposits | 160.8875% | 25 |
| Net loans and leases to core deposits | 200.0246% | 71 |
| Total domestic deposits to total assets | 55.6379% | 7,405 |
| Equity capital to assets | 9.1108% | 5,416 |
| Core capital (leverage) ratio | 8.8853% | 4,905 |
| Tier 1 risk-based capital ratio | 14.0732% | 4,116 |
| Total risk-based capital ratio | 15.3322% | 4,083 |
| Memoranda: | ||
| Average total assets | $81,636,330 | 5,493 |
| Average earning assets | $76,821,000 | 5,404 |
| Average equity | $7,174,670 | 5,873 |
| Average total loans | $73,393,670 | 4,448 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7566% | 67 |
| Cost of funding earning assets | 2.2251% | 79 |
| Net interest margin | 5.5315% | 156 |
| Noninterest income to average assets | 1.8176% | 421 |
| Noninterest expense to average assets | 3.5470% | 1,882 |
| Loan and lease loss provision to assets | 0.6418% | 1,344 |
| Net operating income to assets | 2.8170% | 127 |
| Return on assets (ROA) | 2.8170% | 132 |
| Pretax return on assets | 2.8170% | 171 |
| Return on Equity (ROE) | 32.6519% | 63 |
| Retained earnings to average equity (ytd only) | 21.2947% | 148 |
| Net charge-offs to loans | 0.4103% | 2,457 |
| Credit loss provision to net charge-offs | 174.6667% | 1,671 |
| Earnings coverage of net charge-offs (x) | 9.4133% | 1,723 |
| Efficiency ratio | 50.6294% | 6,945 |
| Assets per employee ($millions) | 3.4266% | 5,172 |
| Cash dividends to net income (ytd only)* | 34.7826% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,732 |
| Loan loss allowance to noncurrent loans | 147.3595% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 4,245 |
| Noncurrent loans to loans | 0.7988% | 5,434 |
| Net loans and leases to total assets | 88.3024% | 73 |
| Net loans and leases to deposits | 151.8876% | 29 |
| Net loans and leases to core deposits | 186.5134% | 88 |
| Total domestic deposits to total assets | 58.1367% | 7,448 |
| Equity capital to assets | 8.7939% | 5,505 |
| Core capital (leverage) ratio | 8.5693% | 5,315 |
| Tier 1 risk-based capital ratio | 13.7727% | 4,231 |
| Total risk-based capital ratio | 14.4055% | 4,682 |
| Memoranda: | ||
| Average total assets | $81,646,000 | 5,536 |
| Average earning assets | $76,580,000 | 5,458 |
| Average equity | $7,044,000 | 5,919 |
| Average total loans | $73,118,500 | 4,506 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8445% | 61 |
| Cost of funding earning assets | 2.6103% | 72 |
| Net interest margin | 5.2341% | 268 |
| Noninterest income to average assets | 1.9125% | 425 |
| Noninterest expense to average assets | 3.4938% | 2,197 |
| Loan and lease loss provision to assets | 0.6943% | 2,367 |
| Net operating income to assets | 2.6012% | 105 |
| Return on assets (ROA) | 2.6012% | 107 |
| Pretax return on assets | 2.6012% | 164 |
| Return on Equity (ROE) | 30.7433% | 37 |
| Retained earnings to average equity (ytd only) | 12.4492% | 243 |
| Net charge-offs to loans | 0.1990% | 5,097 |
| Credit loss provision to net charge-offs | 385.2713% | 642 |
| Earnings coverage of net charge-offs (x) | 18.2868% | 1,110 |
| Efficiency ratio | 51.4609% | 7,028 |
| Assets per employee ($millions) | 3.3772% | 5,222 |
| Cash dividends to net income (ytd only)* | 59.5059% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 5,908 |
| Loan loss allowance to noncurrent loans | 191.9431% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 3,945 |
| Noncurrent loans to loans | 0.5800% | 5,897 |
| Net loans and leases to total assets | 88.7604% | 80 |
| Net loans and leases to deposits | 145.1781% | 38 |
| Net loans and leases to core deposits | 180.2360% | 108 |
| Total domestic deposits to total assets | 61.1390% | 7,495 |
| Equity capital to assets | 8.4587% | 5,909 |
| Core capital (leverage) ratio | 8.2300% | 5,788 |
| Tier 1 risk-based capital ratio | 13.4458% | 4,254 |
| Total risk-based capital ratio | 14.7028% | 4,217 |
| Memoranda: | ||
| Average total assets | $71,583,200 | 5,834 |
| Average earning assets | $66,696,600 | 5,778 |
| Average equity | $6,056,600 | 6,339 |
| Average total loans | $64,812,000 | 4,876 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8318% | 64 |
| Cost of funding earning assets | 2.6424% | 79 |
| Net interest margin | 5.1894% | 305 |
| Noninterest income to average assets | 1.7915% | 457 |
| Noninterest expense to average assets | 3.4770% | 2,089 |
| Loan and lease loss provision to assets | 0.7166% | 2,131 |
| Net operating income to assets | 2.4214% | 161 |
| Return on assets (ROA) | 2.4214% | 165 |
| Pretax return on assets | 2.4214% | 263 |
| Return on Equity (ROE) | 28.6159% | 64 |
| Retained earnings to average equity (ytd only) | 15.7534% | 176 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5626% | 6,929 |
| Assets per employee ($millions) | 3.3390% | 5,360 |
| Cash dividends to net income (ytd only)* | 44.9480% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,554 |
| Loan loss allowance to noncurrent loans | 191.0798% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 4,100 |
| Noncurrent loans to loans | 0.6209% | 5,966 |
| Net loans and leases to total assets | 88.2821% | 101 |
| Net loans and leases to deposits | 156.2742% | 31 |
| Net loans and leases to core deposits | 205.3925% | 85 |
| Total domestic deposits to total assets | 56.4918% | 7,635 |
| Equity capital to assets | 8.8467% | 5,785 |
| Core capital (leverage) ratio | 8.6063% | 5,336 |
| Tier 1 risk-based capital ratio | 14.4170% | 3,561 |
| Total risk-based capital ratio | 15.6742% | 3,528 |
| Memoranda: | ||
| Average total assets | $69,215,750 | 5,965 |
| Average earning assets | $64,334,000 | 5,910 |
| Average equity | $5,856,750 | 6,497 |
| Average total loans | $62,826,750 | 5,039 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8536% | 70 |
| Cost of funding earning assets | 2.7017% | 90 |
| Net interest margin | 5.1519% | 308 |
| Noninterest income to average assets | 1.8444% | 399 |
| Noninterest expense to average assets | 3.5148% | 1,996 |
| Loan and lease loss provision to assets | 0.7558% | 1,908 |
| Net operating income to assets | 2.3662% | 173 |
| Return on assets (ROA) | 2.3662% | 186 |
| Pretax return on assets | 2.3662% | 295 |
| Return on Equity (ROE) | 28.4615% | 70 |
| Retained earnings to average equity (ytd only) | 21.2469% | 72 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9598% | 6,982 |
| Assets per employee ($millions) | 3.0219% | 6,102 |
| Cash dividends to net income (ytd only)* | 25.3485% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,679 |
| Loan loss allowance to noncurrent loans | 141.9355% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 4,164 |
| Noncurrent loans to loans | 0.8116% | 5,650 |
| Net loans and leases to total assets | 88.5005% | 110 |
| Net loans and leases to deposits | 140.4824% | 48 |
| Net loans and leases to core deposits | 194.6120% | 101 |
| Total domestic deposits to total assets | 62.9976% | 7,608 |
| Equity capital to assets | 8.2606% | 6,470 |
| Core capital (leverage) ratio | 8.0044% | 6,271 |
| Tier 1 risk-based capital ratio | 13.0696% | 4,381 |
| Total risk-based capital ratio | 14.3267% | 4,332 |
| Memoranda: | ||
| Average total assets | $66,688,670 | 6,076 |
| Average earning assets | $62,035,000 | 6,021 |
| Average equity | $5,544,330 | 6,603 |
| Average total loans | $60,898,330 | 5,142 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9449% | 77 |
| Cost of funding earning assets | 2.7024% | 120 |
| Net interest margin | 5.2426% | 265 |
| Noninterest income to average assets | 1.8065% | 396 |
| Noninterest expense to average assets | 3.6945% | 1,530 |
| Loan and lease loss provision to assets | 0.4830% | 2,568 |
| Net operating income to assets | 2.4965% | 150 |
| Return on assets (ROA) | 2.4965% | 165 |
| Pretax return on assets | 2.4965% | 255 |
| Return on Equity (ROE) | 29.9192% | 90 |
| Retained earnings to average equity (ytd only) | 29.9192% | 68 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3571% | 6,843 |
| Assets per employee ($millions) | 2.8690% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 5,897 |
| Loan loss allowance to noncurrent loans | 132.2266% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.6518% | 3,999 |
| Noncurrent loans to loans | 0.8506% | 5,609 |
| Net loans and leases to total assets | 90.1981% | 63 |
| Net loans and leases to deposits | 141.7389% | 53 |
| Net loans and leases to core deposits | 206.6417% | 98 |
| Total domestic deposits to total assets | 63.6368% | 7,683 |
| Equity capital to assets | 8.3653% | 6,203 |
| Core capital (leverage) ratio | 8.0839% | 6,112 |
| Tier 1 risk-based capital ratio | 12.3051% | 4,901 |
| Total risk-based capital ratio | 13.5600% | 4,854 |
| Memoranda: | ||
| Average total assets | $63,770,500 | 6,249 |
| Average earning assets | $59,207,500 | 6,201 |
| Average equity | $5,321,000 | 6,733 |
| Average total loans | $58,881,000 | 5,299 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1589% | 70 |
| Cost of funding earning assets | 3.0163% | 218 |
| Net interest margin | 5.1426% | 330 |
| Noninterest income to average assets | 2.6668% | 256 |
| Noninterest expense to average assets | 3.7129% | 1,884 |
| Loan and lease loss provision to assets | 0.3626% | 4,627 |
| Net operating income to assets | 3.3050% | 47 |
| Return on assets (ROA) | 3.3050% | 49 |
| Pretax return on assets | 3.3050% | 74 |
| Return on Equity (ROE) | 42.8095% | 18 |
| Retained earnings to average equity (ytd only) | 26.2540% | 21 |
| Net charge-offs to loans | 0.0374% | 6,744 |
| Credit loss provision to net charge-offs | 1,052.6316% | 281 |
| Earnings coverage of net charge-offs (x) | 106.4737% | 264 |
| Efficiency ratio | 50.3070% | 7,523 |
| Assets per employee ($millions) | 3.0777% | 6,039 |
| Cash dividends to net income (ytd only)* | 38.6725% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 5,657 |
| Loan loss allowance to noncurrent loans | 130.6931% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.5905% | 3,990 |
| Noncurrent loans to loans | 0.8773% | 5,544 |
| Net loans and leases to total assets | 92.4489% | 29 |
| Net loans and leases to deposits | 186.9510% | 29 |
| Net loans and leases to core deposits | 279.9941% | 40 |
| Total domestic deposits to total assets | 49.4509% | 7,914 |
| Equity capital to assets | 8.3211% | 6,168 |
| Core capital (leverage) ratio | 8.0193% | 6,146 |
| Tier 1 risk-based capital ratio | 12.2336% | 4,738 |
| Total risk-based capital ratio | 13.4905% | 4,696 |
| Memoranda: | ||
| Average total assets | $55,159,000 | 6,525 |
| Average earning assets | $50,558,200 | 6,516 |
| Average equity | $4,258,400 | 7,190 |
| Average total loans | $50,820,800 | 5,632 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2686% | 67 |
| Cost of funding earning assets | 3.1882% | 196 |
| Net interest margin | 5.0804% | 383 |
| Noninterest income to average assets | 2.5342% | 262 |
| Noninterest expense to average assets | 3.7714% | 1,655 |
| Loan and lease loss provision to assets | 0.0996% | 6,368 |
| Net operating income to assets | 3.3083% | 50 |
| Return on assets (ROA) | 3.3083% | 52 |
| Pretax return on assets | 3.3083% | 82 |
| Return on Equity (ROE) | 43.8333% | 23 |
| Retained earnings to average equity (ytd only) | 21.5703% | 47 |
| Net charge-offs to loans | 0.0271% | 6,500 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 136.9310% | 279 |
| Efficiency ratio | 52.5312% | 7,369 |
| Assets per employee ($millions) | 2.9163% | 6,364 |
| Cash dividends to net income (ytd only)* | 50.7901% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,260 |
| Loan loss allowance to noncurrent loans | 201.1858% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 2.2614% | 3,029 |
| Noncurrent loans to loans | 0.4993% | 6,310 |
| Net loans and leases to total assets | 90.5286% | 94 |
| Net loans and leases to deposits | 194.7017% | 30 |
| Net loans and leases to core deposits | 199.5028% | 104 |
| Total domestic deposits to total assets | 46.4961% | 7,999 |
| Equity capital to assets | 7.6847% | 7,167 |
| Core capital (leverage) ratio | 7.3469% | 7,138 |
| Tier 1 risk-based capital ratio | 11.2108% | 5,736 |
| Total risk-based capital ratio | 12.4641% | 5,688 |
| Memoranda: | ||
| Average total assets | $53,560,250 | 6,616 |
| Average earning assets | $48,971,250 | 6,614 |
| Average equity | $4,042,500 | 7,341 |
| Average total loans | $49,134,500 | 5,755 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2940% | 73 |
| Cost of funding earning assets | 3.3234% | 192 |
| Net interest margin | 4.9706% | 466 |
| Noninterest income to average assets | 2.7539% | 235 |
| Noninterest expense to average assets | 3.8569% | 1,564 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 3.4565% | 42 |
| Return on assets (ROA) | 3.4565% | 47 |
| Pretax return on assets | 3.4565% | 74 |
| Return on Equity (ROE) | 46.0879% | 20 |
| Retained earnings to average equity (ytd only) | 38.5325% | 22 |
| Net charge-offs to loans | 0.0411% | 5,887 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 418 |
| Efficiency ratio | 52.7376% | 7,459 |
| Assets per employee ($millions) | 2.6734% | 6,897 |
| Cash dividends to net income (ytd only)* | 16.3934% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,354 |
| Loan loss allowance to noncurrent loans | 125.7069% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 2.1153% | 3,038 |
| Noncurrent loans to loans | 0.7832% | 5,666 |
| Net loans and leases to total assets | 91.9801% | 60 |
| Net loans and leases to deposits | 218.6414% | 34 |
| Net loans and leases to core deposits | 296.9029% | 40 |
| Total domestic deposits to total assets | 42.0689% | 8,090 |
| Equity capital to assets | 8.1714% | 6,532 |
| Core capital (leverage) ratio | 7.8231% | 6,585 |
| Tier 1 risk-based capital ratio | 11.7363% | 5,156 |
| Total risk-based capital ratio | 12.9891% | 5,080 |
| Memoranda: | ||
| Average total assets | $52,944,000 | 6,699 |
| Average earning assets | $48,565,330 | 6,687 |
| Average equity | $3,970,670 | 7,428 |
| Average total loans | $48,622,670 | 5,823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4710% | 65 |
| Cost of funding earning assets | 3.4067% | 196 |
| Net interest margin | 5.0644% | 347 |
| Noninterest income to average assets | 2.8928% | 220 |
| Noninterest expense to average assets | 3.8571% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 3.6748% | 39 |
| Return on assets (ROA) | 3.6748% | 46 |
| Pretax return on assets | 3.6748% | 71 |
| Return on Equity (ROE) | 51.3324% | 23 |
| Retained earnings to average equity (ytd only) | 35.4236% | 33 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2097% | 7,489 |
| Assets per employee ($millions) | 2.7794% | 6,693 |
| Cash dividends to net income (ytd only)* | 30.9917% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,096 |
| Loan loss allowance to noncurrent loans | 2,889.4737% | 167 |
| Noncurrent assets plus other real estate owned to assets | 1.1759% | 4,319 |
| Noncurrent loans to loans | 0.0399% | 7,432 |
| Net loans and leases to total assets | 89.0776% | 192 |
| Net loans and leases to deposits | 183.6463% | 41 |
| Net loans and leases to core deposits | 252.7320% | 62 |
| Total domestic deposits to total assets | 48.5050% | 8,110 |
| Equity capital to assets | 7.4571% | 7,387 |
| Core capital (leverage) ratio | 7.1017% | 7,556 |
| Tier 1 risk-based capital ratio | 10.7467% | 6,142 |
| Total risk-based capital ratio | 12.0028% | 6,045 |
| Memoranda: | ||
| Average total assets | $52,682,500 | 6,752 |
| Average earning assets | $48,258,500 | 6,735 |
| Average equity | $3,771,500 | 7,532 |
| Average total loans | $48,100,000 | 5,871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5340% | 100 |
| Cost of funding earning assets | 4.0349% | 91 |
| Net interest margin | 4.4991% | 1,424 |
| Noninterest income to average assets | 3.3008% | 176 |
| Noninterest expense to average assets | 3.8967% | 1,566 |
| Loan and lease loss provision to assets | 0.2644% | 4,282 |
| Net operating income to assets | 3.2784% | 57 |
| Return on assets (ROA) | 3.2784% | 58 |
| Pretax return on assets | 3.2784% | 82 |
| Return on Equity (ROE) | 46.6300% | 13 |
| Retained earnings to average equity (ytd only) | 7.8970% | 875 |
| Net charge-offs to loans | 0.1749% | 4,448 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,475 |
| Efficiency ratio | 52.3783% | 7,450 |
| Assets per employee ($millions) | 2.7661% | 6,647 |
| Cash dividends to net income (ytd only)* | 83.0645% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 5,067 |
| Loan loss allowance to noncurrent loans | 1,168.0851% | 445 |
| Noncurrent assets plus other real estate owned to assets | 1.6459% | 2,955 |
| Noncurrent loans to loans | 0.0967% | 7,127 |
| Net loans and leases to total assets | 91.4472% | 104 |
| Net loans and leases to deposits | 184.9852% | 48 |
| Net loans and leases to core deposits | 256.6950% | 65 |
| Total domestic deposits to total assets | 49.4349% | 8,126 |
| Equity capital to assets | 6.8594% | 7,801 |
| Core capital (leverage) ratio | 6.4982% | 7,937 |
| Tier 1 risk-based capital ratio | 9.5409% | 7,261 |
| Total risk-based capital ratio | 10.7967% | 7,174 |
| Memoranda: | ||
| Average total assets | $49,170,200 | 6,816 |
| Average earning assets | $45,230,800 | 6,806 |
| Average equity | $3,457,000 | 7,700 |
| Average total loans | $44,596,000 | 5,945 |