Home > The Goose River Bank > Performance and Condition Ratios
The Goose River 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 | 5.2163% | 1,633 |
| Cost of funding earning assets | 0.9158% | 3,484 |
| Net interest margin | 4.3005% | 816 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.6803% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6414% | 809 |
| Return on assets (ROA) | 1.5066% | 975 |
| Pretax return on assets | 1.5066% | 1,397 |
| Return on Equity (ROE) | 17.5800% | 879 |
| Retained earnings to average equity (ytd only) | 12.6204% | 558 |
| Net charge-offs to loans | -0.0918% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.0203% | 2,828 |
| Assets per employee ($millions) | 7.2180% | 1,924 |
| Cash dividends to net income (ytd only)* | 28.2072% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 2,845 |
| Loan loss allowance to noncurrent loans | 200.4680% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 1,489 |
| Noncurrent loans to loans | 0.5484% | 1,433 |
| Net loans and leases to total assets | 66.7300% | 2,176 |
| Net loans and leases to deposits | 83.4131% | 1,822 |
| Net loans and leases to core deposits | 87.1679% | 2,234 |
| Total domestic deposits to total assets | 80.0000% | 3,464 |
| Equity capital to assets | 8.9400% | 2,712 |
| Core capital (leverage) ratio | 10.4454% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $164,010,200 | 3,242 |
| Average earning assets | $151,773,800 | 3,235 |
| Average equity | $14,056,600 | 3,341 |
| Average total loans | $111,133,600 | 3,043 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1385% | 1,561 |
| Cost of funding earning assets | 0.7767% | 3,583 |
| Net interest margin | 4.3618% | 741 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.6781% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7249% | 763 |
| Return on assets (ROA) | 1.5427% | 1,025 |
| Pretax return on assets | 1.5427% | 1,477 |
| Return on Equity (ROE) | 18.2100% | 926 |
| Retained earnings to average equity (ytd only) | 11.4263% | 1,082 |
| Net charge-offs to loans | -0.1252% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.8240% | 2,870 |
| Assets per employee ($millions) | 6.3801% | 2,422 |
| Cash dividends to net income (ytd only)* | 37.2528% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 2,939 |
| Loan loss allowance to noncurrent loans | 244.9524% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3165% | 1,755 |
| Noncurrent loans to loans | 0.4430% | 1,720 |
| Net loans and leases to total assets | 70.6700% | 1,746 |
| Net loans and leases to deposits | 83.4127% | 1,790 |
| Net loans and leases to core deposits | 93.5144% | 1,703 |
| Total domestic deposits to total assets | 84.7200% | 2,590 |
| Equity capital to assets | 8.3258% | 2,839 |
| Core capital (leverage) ratio | 9.9452% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,704,750 | 3,272 |
| Average earning assets | $151,064,750 | 3,255 |
| Average equity | $13,699,000 | 3,359 |
| Average total loans | $109,695,000 | 3,063 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 1,570 |
| Cost of funding earning assets | 0.5472% | 3,889 |
| Net interest margin | 4.4497% | 656 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.6361% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8676% | 592 |
| Return on assets (ROA) | 1.8676% | 586 |
| Pretax return on assets | 1.8676% | 903 |
| Return on Equity (ROE) | 21.9200% | 543 |
| Retained earnings to average equity (ytd only) | 14.4492% | 630 |
| Net charge-offs to loans | 0.0094% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 299.4000% | 452 |
| Efficiency ratio | 58.5319% | 3,128 |
| Assets per employee ($millions) | 6.7882% | 2,075 |
| Cash dividends to net income (ytd only)* | 34.0681% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,116 |
| Loan loss allowance to noncurrent loans | 5,126.0870% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,698 |
| Noncurrent loans to loans | 0.0208% | 3,611 |
| Net loans and leases to total assets | 67.2900% | 2,033 |
| Net loans and leases to deposits | 81.9389% | 1,830 |
| Net loans and leases to core deposits | 85.2426% | 2,131 |
| Total domestic deposits to total assets | 82.1200% | 3,210 |
| Equity capital to assets | 8.5768% | 2,803 |
| Core capital (leverage) ratio | 10.2227% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $160,312,333 | 3,294 |
| Average earning assets | $149,853,667 | 3,272 |
| Average equity | $13,661,667 | 3,383 |
| Average total loans | $106,756,667 | 3,094 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 1,430 |
| Cost of funding earning assets | 0.3687% | 4,035 |
| Net interest margin | 4.5225% | 567 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.7721% | 1,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7559% | 740 |
| Return on assets (ROA) | 1.7559% | 733 |
| Pretax return on assets | 1.7559% | 1,159 |
| Return on Equity (ROE) | 20.6700% | 688 |
| Retained earnings to average equity (ytd only) | 16.9110% | 602 |
| Net charge-offs to loans | 0.0115% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 232.6667% | 458 |
| Efficiency ratio | 61.2222% | 2,785 |
| Assets per employee ($millions) | 7.2938% | 1,754 |
| Cash dividends to net income (ytd only)* | 18.1948% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 2,895 |
| Loan loss allowance to noncurrent loans | 16,871.4286% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,863 |
| Noncurrent loans to loans | 0.0067% | 3,790 |
| Net loans and leases to total assets | 64.2800% | 2,221 |
| Net loans and leases to deposits | 70.6202% | 2,562 |
| Net loans and leases to core deposits | 73.5305% | 2,712 |
| Total domestic deposits to total assets | 91.0300% | 789 |
| Equity capital to assets | 8.7372% | 2,706 |
| Core capital (leverage) ratio | 10.1421% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $159,010,500 | 3,348 |
| Average earning assets | $147,529,000 | 3,339 |
| Average equity | $13,506,000 | 3,433 |
| Average total loans | $104,734,500 | 3,152 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 1,844 |
| Cost of funding earning assets | 0.2745% | 3,107 |
| Net interest margin | 3.6786% | 1,428 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4203% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3201% | 1,358 |
| Return on assets (ROA) | 1.3201% | 1,318 |
| Pretax return on assets | 1.3201% | 2,017 |
| Return on Equity (ROE) | 16.0200% | 1,052 |
| Retained earnings to average equity (ytd only) | 7.7853% | 1,920 |
| Net charge-offs to loans | 0.0100% | 1,994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 208.8000% | 630 |
| Efficiency ratio | 64.7059% | 2,401 |
| Assets per employee ($millions) | 6.5649% | 2,283 |
| Cash dividends to net income (ytd only)* | 51.3889% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 2,761 |
| Loan loss allowance to noncurrent loans | 591.0000% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 2,640 |
| Noncurrent loans to loans | 0.1902% | 2,531 |
| Net loans and leases to total assets | 65.9800% | 2,045 |
| Net loans and leases to deposits | 72.0496% | 2,403 |
| Net loans and leases to core deposits | 74.8553% | 2,506 |
| Total domestic deposits to total assets | 91.5800% | 758 |
| Equity capital to assets | 8.2459% | 2,897 |
| Core capital (leverage) ratio | 9.4927% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $158,164,800 | 3,368 |
| Average earning assets | $147,882,200 | 3,344 |
| Average equity | $13,037,400 | 3,567 |
| Average total loans | $99,754,400 | 3,155 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 2,112 |
| Cost of funding earning assets | 0.2684% | 2,503 |
| Net interest margin | 3.4057% | 1,958 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.4330% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0595% | 2,254 |
| Return on assets (ROA) | 1.0595% | 2,219 |
| Pretax return on assets | 1.0595% | 2,846 |
| Return on Equity (ROE) | 12.8500% | 1,756 |
| Retained earnings to average equity (ytd only) | 2.6669% | 3,871 |
| Net charge-offs to loans | 0.0149% | 1,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 114.3636% | 872 |
| Efficiency ratio | 69.6648% | 1,800 |
| Assets per employee ($millions) | 6.9692% | 1,964 |
| Cash dividends to net income (ytd only)* | 79.2528% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 2,880 |
| Loan loss allowance to noncurrent loans | 734.7826% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,948 |
| Noncurrent loans to loans | 0.1538% | 2,838 |
| Net loans and leases to total assets | 64.5500% | 2,031 |
| Net loans and leases to deposits | 69.8220% | 2,377 |
| Net loans and leases to core deposits | 72.5900% | 2,441 |
| Total domestic deposits to total assets | 92.4500% | 731 |
| Equity capital to assets | 7.2730% | 3,358 |
| Core capital (leverage) ratio | 9.3184% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4184% | 2,680 |
| Memoranda: | ||
| Average total assets | $158,316,750 | 3,382 |
| Average earning assets | $148,021,000 | 3,367 |
| Average equity | $13,048,750 | 3,607 |
| Average total loans | $98,408,500 | 3,180 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 2,367 |
| Cost of funding earning assets | 0.2735% | 1,979 |
| Net interest margin | 3.1480% | 2,376 |
| Noninterest income to average assets | 0.3045% | 3,338 |
| Noninterest expense to average assets | 2.3494% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9045% | 2,563 |
| Return on assets (ROA) | 0.9045% | 2,537 |
| Pretax return on assets | 0.9045% | 3,052 |
| Return on Equity (ROE) | 10.5533% | 2,149 |
| Retained earnings to average equity (ytd only) | -0.5476% | 4,247 |
| Net charge-offs to loans | 0.0166% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 89.1250% | 870 |
| Efficiency ratio | 72.2027% | 1,720 |
| Assets per employee ($millions) | 6.3526% | 2,436 |
| Cash dividends to net income (ytd only)* | 105.1893% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,752 |
| Loan loss allowance to noncurrent loans | 2,416.3265% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,669 |
| Noncurrent loans to loans | 0.0491% | 3,580 |
| Net loans and leases to total assets | 62.0525% | 2,120 |
| Net loans and leases to deposits | 67.5694% | 2,428 |
| Net loans and leases to core deposits | 70.2945% | 2,472 |
| Total domestic deposits to total assets | 91.8351% | 914 |
| Equity capital to assets | 7.9288% | 3,174 |
| Core capital (leverage) ratio | 9.0099% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,658,667 | 3,429 |
| Average earning assets | $147,711,000 | 3,418 |
| Average equity | $13,512,333 | 3,633 |
| Average total loans | $96,326,333 | 3,239 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3643% | 2,199 |
| Cost of funding earning assets | 0.2788% | 1,833 |
| Net interest margin | 3.0856% | 2,222 |
| Noninterest income to average assets | 0.3209% | 3,182 |
| Noninterest expense to average assets | 2.4293% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7665% | 2,791 |
| Return on assets (ROA) | 0.7665% | 2,780 |
| Pretax return on assets | 0.7665% | 3,208 |
| Return on Equity (ROE) | 8.6169% | 2,478 |
| Retained earnings to average equity (ytd only) | 1.2882% | 3,753 |
| Net charge-offs to loans | 0.0254% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 50.1667% | 926 |
| Efficiency ratio | 76.0159% | 1,518 |
| Assets per employee ($millions) | 6.7125% | 2,213 |
| Cash dividends to net income (ytd only)* | 85.0498% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,371 |
| Loan loss allowance to noncurrent loans | 1,151.4563% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,418 |
| Noncurrent loans to loans | 0.1127% | 3,267 |
| Net loans and leases to total assets | 55.9792% | 2,528 |
| Net loans and leases to deposits | 61.2034% | 2,788 |
| Net loans and leases to core deposits | 63.6362% | 2,823 |
| Total domestic deposits to total assets | 91.4643% | 819 |
| Equity capital to assets | 8.3650% | 3,272 |
| Core capital (leverage) ratio | 9.2561% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,081,000 | 3,449 |
| Average earning assets | $146,359,000 | 3,446 |
| Average equity | $13,972,500 | 3,661 |
| Average total loans | $94,623,500 | 3,264 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 1,047 |
| Cost of funding earning assets | 0.3593% | 1,859 |
| Net interest margin | 3.8117% | 981 |
| Noninterest income to average assets | 0.6770% | 1,845 |
| Noninterest expense to average assets | 2.5857% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6859% | 651 |
| Return on assets (ROA) | 1.6859% | 676 |
| Pretax return on assets | 1.6859% | 1,185 |
| Return on Equity (ROE) | 17.7172% | 491 |
| Retained earnings to average equity (ytd only) | 9.0118% | 1,201 |
| Net charge-offs to loans | 0.0020% | 2,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,214.0000% | 121 |
| Efficiency ratio | 60.5332% | 3,076 |
| Assets per employee ($millions) | 6.1225% | 2,640 |
| Cash dividends to net income (ytd only)* | 49.1351% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,800 |
| Loan loss allowance to noncurrent loans | 68.5451% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 450 |
| Noncurrent loans to loans | 1.7767% | 480 |
| Net loans and leases to total assets | 63.1681% | 1,795 |
| Net loans and leases to deposits | 69.8590% | 2,145 |
| Net loans and leases to core deposits | 72.9487% | 2,170 |
| Total domestic deposits to total assets | 90.4222% | 753 |
| Equity capital to assets | 9.4530% | 3,182 |
| Core capital (leverage) ratio | 9.3642% | 3,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,021,600 | 3,544 |
| Average earning assets | $135,819,400 | 3,526 |
| Average equity | $13,704,200 | 3,770 |
| Average total loans | $99,751,200 | 3,200 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1718% | 1,146 |
| Cost of funding earning assets | 0.3697% | 1,939 |
| Net interest margin | 3.8021% | 1,116 |
| Noninterest income to average assets | 0.3292% | 3,457 |
| Noninterest expense to average assets | 2.5554% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3722% | 1,621 |
| Return on assets (ROA) | 1.3722% | 1,675 |
| Pretax return on assets | 1.3722% | 2,431 |
| Return on Equity (ROE) | 14.3957% | 1,284 |
| Retained earnings to average equity (ytd only) | 2.6246% | 4,024 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0623% | 2,237 |
| Assets per employee ($millions) | 5.9843% | 2,713 |
| Cash dividends to net income (ytd only)* | 81.7683% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 3,355 |
| Loan loss allowance to noncurrent loans | 10,854.5455% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,201 |
| Noncurrent loans to loans | 0.0103% | 4,133 |
| Net loans and leases to total assets | 73.5077% | 731 |
| Net loans and leases to deposits | 84.9068% | 896 |
| Net loans and leases to core deposits | 89.6107% | 1,053 |
| Total domestic deposits to total assets | 86.5746% | 2,520 |
| Equity capital to assets | 9.5180% | 3,349 |
| Core capital (leverage) ratio | 9.3839% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,761,250 | 3,607 |
| Average earning assets | $134,167,500 | 3,575 |
| Average equity | $13,513,000 | 3,839 |
| Average total loans | $100,219,250 | 3,235 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 1,944 |
| Cost of funding earning assets | 0.3755% | 2,086 |
| Net interest margin | 3.4763% | 1,930 |
| Noninterest income to average assets | 0.3344% | 3,425 |
| Noninterest expense to average assets | 2.4472% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1804% | 2,262 |
| Return on assets (ROA) | 1.1804% | 2,328 |
| Pretax return on assets | 1.1804% | 2,966 |
| Return on Equity (ROE) | 12.3768% | 1,921 |
| Retained earnings to average equity (ytd only) | 1.7830% | 4,169 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4609% | 1,940 |
| Assets per employee ($millions) | 5.7463% | 2,854 |
| Cash dividends to net income (ytd only)* | 85.5942% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,034 |
| Loan loss allowance to noncurrent loans | 226.9962% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 2,085 |
| Noncurrent loans to loans | 0.5212% | 2,114 |
| Net loans and leases to total assets | 72.3102% | 928 |
| Net loans and leases to deposits | 80.5471% | 1,376 |
| Net loans and leases to core deposits | 85.0095% | 1,494 |
| Total domestic deposits to total assets | 89.7738% | 884 |
| Equity capital to assets | 9.7774% | 3,076 |
| Core capital (leverage) ratio | 9.1442% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,140,667 | 3,623 |
| Average earning assets | $133,705,333 | 3,588 |
| Average equity | $13,460,667 | 3,847 |
| Average total loans | $98,036,333 | 3,284 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 2,704 |
| Cost of funding earning assets | 0.3686% | 2,365 |
| Net interest margin | 3.2117% | 2,658 |
| Noninterest income to average assets | 0.3979% | 3,101 |
| Noninterest expense to average assets | 2.4377% | 2,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0115% | 2,780 |
| Return on assets (ROA) | 1.0115% | 2,862 |
| Pretax return on assets | 1.0115% | 3,340 |
| Return on Equity (ROE) | 10.7369% | 2,442 |
| Retained earnings to average equity (ytd only) | -3.3014% | 4,614 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6742% | 1,632 |
| Assets per employee ($millions) | 5.8630% | 2,733 |
| Cash dividends to net income (ytd only)* | 130.7479% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,800 |
| Loan loss allowance to noncurrent loans | 337.2881% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 2,926 |
| Noncurrent loans to loans | 0.3626% | 2,784 |
| Net loans and leases to total assets | 65.7939% | 1,821 |
| Net loans and leases to deposits | 72.6748% | 2,246 |
| Net loans and leases to core deposits | 76.1038% | 2,345 |
| Total domestic deposits to total assets | 90.5319% | 575 |
| Equity capital to assets | 9.0615% | 3,623 |
| Core capital (leverage) ratio | 9.1695% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,756,000 | 3,610 |
| Average earning assets | $135,630,500 | 3,568 |
| Average equity | $13,449,000 | 3,851 |
| Average total loans | $96,596,000 | 3,314 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,106 |
| Cost of funding earning assets | 0.5534% | 2,589 |
| Net interest margin | 4.0417% | 890 |
| Noninterest income to average assets | 0.2851% | 3,778 |
| Noninterest expense to average assets | 2.6830% | 2,288 |
| Loan and lease loss provision to assets | 0.0590% | 3,634 |
| Net operating income to assets | 1.3430% | 1,139 |
| Return on assets (ROA) | 1.3430% | 1,240 |
| Pretax return on assets | 1.3430% | 1,844 |
| Return on Equity (ROE) | 13.0952% | 1,017 |
| Retained earnings to average equity (ytd only) | 0.5972% | 4,344 |
| Net charge-offs to loans | 0.0062% | 3,120 |
| Credit loss provision to net charge-offs | 1,300.0000% | 643 |
| Earnings coverage of net charge-offs (x) | 309.0000% | 341 |
| Efficiency ratio | 65.6794% | 2,580 |
| Assets per employee ($millions) | 4.9620% | 3,429 |
| Cash dividends to net income (ytd only)* | 95.4392% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,690 |
| Loan loss allowance to noncurrent loans | 1,990.0000% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 4,136 |
| Noncurrent loans to loans | 0.0628% | 4,041 |
| Net loans and leases to total assets | 67.9205% | 1,837 |
| Net loans and leases to deposits | 75.4180% | 2,343 |
| Net loans and leases to core deposits | 78.8532% | 2,473 |
| Total domestic deposits to total assets | 90.0587% | 540 |
| Equity capital to assets | 9.8002% | 3,316 |
| Core capital (leverage) ratio | 9.5028% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,239,000 | 3,602 |
| Average earning assets | $124,328,600 | 3,579 |
| Average equity | $13,562,200 | 3,806 |
| Average total loans | $96,874,400 | 3,278 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 844 |
| Cost of funding earning assets | 0.5800% | 2,741 |
| Net interest margin | 4.2478% | 662 |
| Noninterest income to average assets | 0.2808% | 3,805 |
| Noninterest expense to average assets | 2.8440% | 1,837 |
| Loan and lease loss provision to assets | 0.0797% | 3,320 |
| Net operating income to assets | 1.3357% | 1,270 |
| Return on assets (ROA) | 1.3357% | 1,361 |
| Pretax return on assets | 1.3357% | 1,921 |
| Return on Equity (ROE) | 12.8717% | 1,151 |
| Retained earnings to average equity (ytd only) | -3.8084% | 4,807 |
| Net charge-offs to loans | 0.0069% | 2,875 |
| Credit loss provision to net charge-offs | 1,560.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 277.2000% | 388 |
| Efficiency ratio | 66.7706% | 2,354 |
| Assets per employee ($millions) | 4.7355% | 3,556 |
| Cash dividends to net income (ytd only)* | 129.5872% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,784 |
| Loan loss allowance to noncurrent loans | 987.6033% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,971 |
| Noncurrent loans to loans | 0.1194% | 3,903 |
| Net loans and leases to total assets | 75.5389% | 1,152 |
| Net loans and leases to deposits | 84.2693% | 1,883 |
| Net loans and leases to core deposits | 89.3600% | 2,030 |
| Total domestic deposits to total assets | 89.6398% | 540 |
| Equity capital to assets | 9.9552% | 3,266 |
| Core capital (leverage) ratio | 9.6039% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,564,750 | 3,608 |
| Average earning assets | $122,288,250 | 3,591 |
| Average equity | $13,548,750 | 3,817 |
| Average total loans | $97,203,000 | 3,285 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 714 |
| Cost of funding earning assets | 0.5830% | 3,062 |
| Net interest margin | 4.4946% | 510 |
| Noninterest income to average assets | 0.2802% | 3,792 |
| Noninterest expense to average assets | 2.8640% | 1,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6183% | 730 |
| Return on assets (ROA) | 1.6183% | 800 |
| Pretax return on assets | 1.6183% | 1,186 |
| Return on Equity (ROE) | 15.3824% | 651 |
| Retained earnings to average equity (ytd only) | 12.4113% | 408 |
| Net charge-offs to loans | 0.0104% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 210.2000% | 427 |
| Efficiency ratio | 63.8956% | 2,837 |
| Assets per employee ($millions) | 4.5662% | 3,700 |
| Cash dividends to net income (ytd only)* | 19.3149% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 2,975 |
| Loan loss allowance to noncurrent loans | 865.8915% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,043 |
| Noncurrent loans to loans | 0.1287% | 3,943 |
| Net loans and leases to total assets | 74.8601% | 1,296 |
| Net loans and leases to deposits | 84.3321% | 1,963 |
| Net loans and leases to core deposits | 88.8038% | 2,174 |
| Total domestic deposits to total assets | 88.7682% | 834 |
| Equity capital to assets | 10.8836% | 2,439 |
| Core capital (leverage) ratio | 10.5386% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,888,333 | 3,597 |
| Average earning assets | $121,433,667 | 3,585 |
| Average equity | $13,665,000 | 3,807 |
| Average total loans | $95,819,000 | 3,304 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8834% | 1,233 |
| Cost of funding earning assets | 0.6288% | 3,282 |
| Net interest margin | 4.2546% | 828 |
| Noninterest income to average assets | 0.2954% | 3,756 |
| Noninterest expense to average assets | 2.8704% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3808% | 1,034 |
| Return on assets (ROA) | 1.3808% | 1,111 |
| Pretax return on assets | 1.3808% | 1,623 |
| Return on Equity (ROE) | 13.3619% | 810 |
| Retained earnings to average equity (ytd only) | 7.2528% | 1,457 |
| Net charge-offs to loans | 0.0214% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 88.8000% | 627 |
| Efficiency ratio | 67.5201% | 2,741 |
| Assets per employee ($millions) | 4.4752% | 3,294 |
| Cash dividends to net income (ytd only)* | 45.7207% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,658 |
| Loan loss allowance to noncurrent loans | 865.8915% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,121 |
| Noncurrent loans to loans | 0.1389% | 3,969 |
| Net loans and leases to total assets | 70.7130% | 2,131 |
| Net loans and leases to deposits | 79.0661% | 2,770 |
| Net loans and leases to core deposits | 83.2928% | 2,912 |
| Total domestic deposits to total assets | 89.4353% | 496 |
| Equity capital to assets | 10.3020% | 3,518 |
| Core capital (leverage) ratio | 10.4887% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,623,000 | 3,599 |
| Average earning assets | $119,589,500 | 3,585 |
| Average equity | $13,291,500 | 3,854 |
| Average total loans | $93,605,500 | 3,327 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1615% | 1,081 |
| Cost of funding earning assets | 0.5728% | 3,753 |
| Net interest margin | 4.5887% | 591 |
| Noninterest income to average assets | 0.3825% | 3,398 |
| Noninterest expense to average assets | 3.1527% | 1,636 |
| Loan and lease loss provision to assets | 0.1048% | 1,974 |
| Net operating income to assets | 1.4354% | 1,228 |
| Return on assets (ROA) | 1.6766% | 742 |
| Pretax return on assets | 1.6766% | 1,251 |
| Return on Equity (ROE) | 16.0763% | 530 |
| Retained earnings to average equity (ytd only) | 9.9759% | 494 |
| Net charge-offs to loans | -0.0269% | 4,690 |
| Credit loss provision to net charge-offs | -504.0000% | 4,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1806% | 2,585 |
| Assets per employee ($millions) | 4.3953% | 3,380 |
| Cash dividends to net income (ytd only)* | 37.9464% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,497 |
| Loan loss allowance to noncurrent loans | 863.0769% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 4,115 |
| Noncurrent loans to loans | 0.1378% | 3,976 |
| Net loans and leases to total assets | 73.1181% | 1,903 |
| Net loans and leases to deposits | 81.7357% | 2,586 |
| Net loans and leases to core deposits | 86.2452% | 2,773 |
| Total domestic deposits to total assets | 89.4567% | 506 |
| Equity capital to assets | 10.3660% | 3,575 |
| Core capital (leverage) ratio | 10.6622% | 2,796 |
| Tier 1 risk-based capital ratio | 12.3866% | 4,137 |
| Total risk-based capital ratio | 13.4513% | 4,124 |
| Memoranda: | ||
| Average total assets | $120,246,000 | 3,698 |
| Average earning assets | $112,951,000 | 3,664 |
| Average equity | $12,540,200 | 3,931 |
| Average total loans | $93,059,000 | 3,336 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 1,111 |
| Cost of funding earning assets | 0.5465% | 3,952 |
| Net interest margin | 4.6218% | 587 |
| Noninterest income to average assets | 0.4053% | 3,281 |
| Noninterest expense to average assets | 3.0923% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6638% | 802 |
| Return on assets (ROA) | 1.9902% | 420 |
| Pretax return on assets | 1.9902% | 702 |
| Return on Equity (ROE) | 19.0533% | 310 |
| Retained earnings to average equity (ytd only) | 10.8091% | 564 |
| Net charge-offs to loans | -0.0359% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0178% | 2,856 |
| Assets per employee ($millions) | 4.1244% | 3,722 |
| Cash dividends to net income (ytd only)* | 43.2691% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,362 |
| Loan loss allowance to noncurrent loans | 122.6880% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 1,999 |
| Noncurrent loans to loans | 0.8447% | 1,891 |
| Net loans and leases to total assets | 79.4347% | 922 |
| Net loans and leases to deposits | 90.5919% | 1,620 |
| Net loans and leases to core deposits | 95.9988% | 1,993 |
| Total domestic deposits to total assets | 87.6840% | 1,171 |
| Equity capital to assets | 10.8738% | 3,227 |
| Core capital (leverage) ratio | 10.7732% | 2,864 |
| Tier 1 risk-based capital ratio | 12.4007% | 4,199 |
| Total risk-based capital ratio | 13.3644% | 4,254 |
| Memoranda: | ||
| Average total assets | $118,441,250 | 3,769 |
| Average earning assets | $111,498,750 | 3,723 |
| Average equity | $12,372,000 | 3,988 |
| Average total loans | $92,743,250 | 3,383 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 1,285 |
| Cost of funding earning assets | 0.4528% | 4,312 |
| Net interest margin | 4.6227% | 589 |
| Noninterest income to average assets | 0.8725% | 1,145 |
| Noninterest expense to average assets | 3.1224% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1092% | 318 |
| Return on assets (ROA) | 2.1296% | 318 |
| Pretax return on assets | 2.1296% | 517 |
| Return on Equity (ROE) | 20.6732% | 217 |
| Retained earnings to average equity (ytd only) | 10.5586% | 625 |
| Net charge-offs to loans | -0.0633% | 4,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6826% | 3,779 |
| Assets per employee ($millions) | 4.1600% | 3,632 |
| Cash dividends to net income (ytd only)* | 48.9260% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,267 |
| Loan loss allowance to noncurrent loans | 246.9136% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 3,073 |
| Noncurrent loans to loans | 0.4310% | 2,988 |
| Net loans and leases to total assets | 79.8137% | 908 |
| Net loans and leases to deposits | 91.3699% | 1,573 |
| Net loans and leases to core deposits | 94.3808% | 2,219 |
| Total domestic deposits to total assets | 87.3523% | 1,406 |
| Equity capital to assets | 10.8302% | 3,240 |
| Core capital (leverage) ratio | 10.7454% | 2,845 |
| Tier 1 risk-based capital ratio | 11.2899% | 4,791 |
| Total risk-based capital ratio | 12.1972% | 4,848 |
| Memoranda: | ||
| Average total assets | $118,052,000 | 3,793 |
| Average earning assets | $111,319,670 | 3,749 |
| Average equity | $12,160,670 | 4,020 |
| Average total loans | $91,655,670 | 3,419 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 1,337 |
| Cost of funding earning assets | 0.4415% | 4,325 |
| Net interest margin | 4.5590% | 665 |
| Noninterest income to average assets | 0.3602% | 3,448 |
| Noninterest expense to average assets | 3.1404% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4945% | 1,126 |
| Return on assets (ROA) | 1.4945% | 1,154 |
| Pretax return on assets | 1.4945% | 1,788 |
| Return on Equity (ROE) | 14.8825% | 772 |
| Retained earnings to average equity (ytd only) | 4.3240% | 3,195 |
| Net charge-offs to loans | -0.1326% | 5,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7560% | 2,674 |
| Assets per employee ($millions) | 4.1449% | 3,705 |
| Cash dividends to net income (ytd only)* | 70.9459% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 3,013 |
| Loan loss allowance to noncurrent loans | 246.3054% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,132 |
| Noncurrent loans to loans | 0.4552% | 2,950 |
| Net loans and leases to total assets | 75.9861% | 1,480 |
| Net loans and leases to deposits | 88.6258% | 1,787 |
| Net loans and leases to core deposits | 90.0383% | 2,497 |
| Total domestic deposits to total assets | 85.7382% | 2,390 |
| Equity capital to assets | 10.4000% | 3,418 |
| Core capital (leverage) ratio | 10.1235% | 3,458 |
| Tier 1 risk-based capital ratio | 10.8198% | 5,060 |
| Total risk-based capital ratio | 11.7267% | 5,091 |
| Memoranda: | ||
| Average total assets | $118,838,000 | 3,824 |
| Average earning assets | $111,427,000 | 3,795 |
| Average equity | $11,933,500 | 4,066 |
| Average total loans | $90,500,000 | 3,480 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,901 |
| Cost of funding earning assets | 0.3880% | 4,059 |
| Net interest margin | 4.2917% | 1,177 |
| Noninterest income to average assets | 0.3937% | 3,475 |
| Noninterest expense to average assets | 2.9433% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4375% | 1,314 |
| Return on assets (ROA) | 1.4192% | 1,363 |
| Pretax return on assets | 1.4192% | 2,074 |
| Return on Equity (ROE) | 14.7428% | 887 |
| Retained earnings to average equity (ytd only) | 11.0073% | 438 |
| Net charge-offs to loans | -0.0046% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1860% | 2,679 |
| Assets per employee ($millions) | 4.3435% | 3,395 |
| Cash dividends to net income (ytd only)* | 25.3372% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 3,339 |
| Loan loss allowance to noncurrent loans | 179.4824% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 2,718 |
| Noncurrent loans to loans | 0.5892% | 2,522 |
| Net loans and leases to total assets | 74.6937% | 1,811 |
| Net loans and leases to deposits | 89.6522% | 1,841 |
| Net loans and leases to core deposits | 91.0522% | 2,489 |
| Total domestic deposits to total assets | 83.3150% | 3,221 |
| Equity capital to assets | 9.7000% | 3,951 |
| Core capital (leverage) ratio | 9.6362% | 3,960 |
| Tier 1 risk-based capital ratio | 10.9683% | 4,994 |
| Total risk-based capital ratio | 11.8707% | 5,029 |
| Memoranda: | ||
| Average total assets | $120,137,800 | 3,783 |
| Average earning assets | $111,610,400 | 3,782 |
| Average equity | $11,565,000 | 4,081 |
| Average total loans | $86,574,000 | 3,542 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 2,207 |
| Cost of funding earning assets | 0.3527% | 4,167 |
| Net interest margin | 4.1727% | 1,435 |
| Noninterest income to average assets | 0.3607% | 3,723 |
| Noninterest expense to average assets | 2.9389% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2936% | 1,886 |
| Return on assets (ROA) | 1.2936% | 1,884 |
| Pretax return on assets | 1.2936% | 2,649 |
| Return on Equity (ROE) | 13.4639% | 1,279 |
| Retained earnings to average equity (ytd only) | 8.4700% | 1,437 |
| Net charge-offs to loans | 0.0266% | 2,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 68.3410% | 974 |
| Efficiency ratio | 69.4371% | 2,279 |
| Assets per employee ($millions) | 4.4590% | 3,185 |
| Cash dividends to net income (ytd only)* | 37.0912% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,240 |
| Loan loss allowance to noncurrent loans | 72.6300% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0865% | 1,327 |
| Noncurrent loans to loans | 1.5030% | 1,085 |
| Net loans and leases to total assets | 71.4956% | 2,409 |
| Net loans and leases to deposits | 92.3423% | 1,577 |
| Net loans and leases to core deposits | 93.9324% | 2,292 |
| Total domestic deposits to total assets | 77.4246% | 4,577 |
| Equity capital to assets | 9.1825% | 4,383 |
| Core capital (leverage) ratio | 9.4540% | 4,229 |
| Tier 1 risk-based capital ratio | 11.0984% | 4,989 |
| Total risk-based capital ratio | 12.0349% | 5,040 |
| Memoranda: | ||
| Average total assets | $119,767,750 | 3,832 |
| Average earning assets | $111,131,250 | 3,827 |
| Average equity | $11,507,000 | 4,127 |
| Average total loans | $85,264,500 | 3,596 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 2,526 |
| Cost of funding earning assets | 0.2851% | 4,533 |
| Net interest margin | 4.0799% | 1,616 |
| Noninterest income to average assets | 0.3730% | 3,664 |
| Noninterest expense to average assets | 2.9926% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1626% | 2,340 |
| Return on assets (ROA) | 1.1626% | 2,345 |
| Pretax return on assets | 1.1626% | 3,089 |
| Return on Equity (ROE) | 11.9235% | 1,752 |
| Retained earnings to average equity (ytd only) | 6.2620% | 2,435 |
| Net charge-offs to loans | 0.0425% | 2,017 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 38.6111% | 1,327 |
| Efficiency ratio | 72.0209% | 2,009 |
| Assets per employee ($millions) | 4.3884% | 3,295 |
| Cash dividends to net income (ytd only)* | 47.4820% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,235 |
| Loan loss allowance to noncurrent loans | 143.7879% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 2,560 |
| Noncurrent loans to loans | 0.7675% | 2,200 |
| Net loans and leases to total assets | 71.7739% | 2,312 |
| Net loans and leases to deposits | 87.9842% | 2,116 |
| Net loans and leases to core deposits | 89.4416% | 2,614 |
| Total domestic deposits to total assets | 81.5759% | 3,849 |
| Equity capital to assets | 9.8796% | 3,738 |
| Core capital (leverage) ratio | 10.1437% | 3,429 |
| Tier 1 risk-based capital ratio | 11.9122% | 4,554 |
| Total risk-based capital ratio | 12.8717% | 4,608 |
| Memoranda: | ||
| Average total assets | $119,559,670 | 3,868 |
| Average earning assets | $110,836,330 | 3,860 |
| Average equity | $11,657,670 | 4,128 |
| Average total loans | $84,677,670 | 3,633 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,376 |
| Cost of funding earning assets | 0.2975% | 4,369 |
| Net interest margin | 4.0456% | 1,579 |
| Noninterest income to average assets | 0.3930% | 3,521 |
| Noninterest expense to average assets | 2.9976% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1091% | 2,386 |
| Return on assets (ROA) | 1.1091% | 2,401 |
| Pretax return on assets | 1.1091% | 3,139 |
| Return on Equity (ROE) | 11.4497% | 1,789 |
| Retained earnings to average equity (ytd only) | 7.0486% | 2,258 |
| Net charge-offs to loans | 0.0714% | 1,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 22.2000% | 1,408 |
| Efficiency ratio | 72.9927% | 2,043 |
| Assets per employee ($millions) | 4.1400% | 3,746 |
| Cash dividends to net income (ytd only)* | 38.4384% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,805 |
| Loan loss allowance to noncurrent loans | 191.1647% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 3,122 |
| Noncurrent loans to loans | 0.6275% | 2,659 |
| Net loans and leases to total assets | 67.6412% | 2,808 |
| Net loans and leases to deposits | 77.7852% | 3,041 |
| Net loans and leases to core deposits | 79.0198% | 3,398 |
| Total domestic deposits to total assets | 86.9590% | 2,140 |
| Equity capital to assets | 10.0708% | 3,535 |
| Core capital (leverage) ratio | 9.9239% | 3,609 |
| Tier 1 risk-based capital ratio | 13.4323% | 3,702 |
| Total risk-based capital ratio | 14.5325% | 3,697 |
| Memoranda: | ||
| Average total assets | $120,096,500 | 3,898 |
| Average earning assets | $110,244,000 | 3,912 |
| Average equity | $11,633,500 | 4,175 |
| Average total loans | $84,021,000 | 3,671 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 2,393 |
| Cost of funding earning assets | 0.2751% | 4,362 |
| Net interest margin | 4.0064% | 1,732 |
| Noninterest income to average assets | 0.3715% | 3,811 |
| Noninterest expense to average assets | 2.7802% | 2,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3171% | 1,183 |
| Return on assets (ROA) | 1.3449% | 1,152 |
| Pretax return on assets | 1.3449% | 2,193 |
| Return on Equity (ROE) | 13.7767% | 793 |
| Retained earnings to average equity (ytd only) | 1.8940% | 4,180 |
| Net charge-offs to loans | 0.1728% | 1,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.6849% | 2,652 |
| Efficiency ratio | 67.8549% | 2,921 |
| Assets per employee ($millions) | 4.4384% | 3,291 |
| Cash dividends to net income (ytd only)* | 86.2524% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,403 |
| Loan loss allowance to noncurrent loans | 4,395.4545% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 5,071 |
| Noncurrent loans to loans | 0.0248% | 4,906 |
| Net loans and leases to total assets | 70.5811% | 2,439 |
| Net loans and leases to deposits | 85.3166% | 2,339 |
| Net loans and leases to core deposits | 86.6422% | 2,865 |
| Total domestic deposits to total assets | 82.7285% | 3,654 |
| Equity capital to assets | 9.3286% | 4,400 |
| Core capital (leverage) ratio | 9.5882% | 3,928 |
| Tier 1 risk-based capital ratio | 11.6051% | 4,786 |
| Total risk-based capital ratio | 12.5881% | 4,836 |
| Memoranda: | ||
| Average total assets | $118,446,400 | 3,925 |
| Average earning assets | $110,148,400 | 3,912 |
| Average equity | $11,563,000 | 4,214 |
| Average total loans | $84,477,200 | 3,647 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 2,425 |
| Cost of funding earning assets | 0.2694% | 4,416 |
| Net interest margin | 3.9830% | 1,770 |
| Noninterest income to average assets | 0.3430% | 4,084 |
| Noninterest expense to average assets | 2.8560% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1944% | 1,718 |
| Return on assets (ROA) | 1.2320% | 1,598 |
| Pretax return on assets | 1.2320% | 2,780 |
| Return on Equity (ROE) | 12.4728% | 1,196 |
| Retained earnings to average equity (ytd only) | 0.0807% | 5,188 |
| Net charge-offs to loans | 0.0400% | 2,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 41.9232% | 1,254 |
| Efficiency ratio | 70.5121% | 2,454 |
| Assets per employee ($millions) | 4.2654% | 3,530 |
| Cash dividends to net income (ytd only)* | 99.3520% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,662 |
| Loan loss allowance to noncurrent loans | 33.8614% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.6953% | 361 |
| Noncurrent loans to loans | 3.6816% | 288 |
| Net loans and leases to total assets | 72.2964% | 2,212 |
| Net loans and leases to deposits | 89.7949% | 1,834 |
| Net loans and leases to core deposits | 92.2854% | 2,410 |
| Total domestic deposits to total assets | 80.5128% | 4,204 |
| Equity capital to assets | 9.6356% | 4,311 |
| Core capital (leverage) ratio | 9.7959% | 3,826 |
| Tier 1 risk-based capital ratio | 11.2748% | 5,094 |
| Total risk-based capital ratio | 12.3715% | 5,068 |
| Memoranda: | ||
| Average total assets | $116,989,500 | 3,981 |
| Average earning assets | $108,892,500 | 3,981 |
| Average equity | $11,555,500 | 4,256 |
| Average total loans | $83,426,250 | 3,698 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,396 |
| Cost of funding earning assets | 0.2614% | 4,451 |
| Net interest margin | 3.9593% | 1,743 |
| Noninterest income to average assets | 0.3426% | 4,098 |
| Noninterest expense to average assets | 2.8595% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1603% | 1,738 |
| Return on assets (ROA) | 1.2016% | 1,628 |
| Pretax return on assets | 1.2016% | 2,767 |
| Return on Equity (ROE) | 12.0643% | 1,281 |
| Retained earnings to average equity (ytd only) | 4.2173% | 3,198 |
| Net charge-offs to loans | 0.0024% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 674.0000% | 115 |
| Efficiency ratio | 71.1349% | 2,491 |
| Assets per employee ($millions) | 3.8904% | 4,142 |
| Cash dividends to net income (ytd only)* | 65.0430% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 2,114 |
| Loan loss allowance to noncurrent loans | 120.8696% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 2,172 |
| Noncurrent loans to loans | 1.1258% | 1,744 |
| Net loans and leases to total assets | 71.4497% | 2,290 |
| Net loans and leases to deposits | 83.5919% | 2,535 |
| Net loans and leases to core deposits | 86.1790% | 2,863 |
| Total domestic deposits to total assets | 85.4745% | 2,624 |
| Equity capital to assets | 10.4519% | 3,402 |
| Core capital (leverage) ratio | 9.9786% | 3,563 |
| Tier 1 risk-based capital ratio | 12.5842% | 4,252 |
| Total risk-based capital ratio | 13.8074% | 4,171 |
| Memoranda: | ||
| Average total assets | $116,175,330 | 4,024 |
| Average earning assets | $107,897,330 | 4,020 |
| Average equity | $11,571,330 | 4,264 |
| Average total loans | $82,090,000 | 3,741 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 2,171 |
| Cost of funding earning assets | 0.2618% | 4,440 |
| Net interest margin | 3.9670% | 1,561 |
| Noninterest income to average assets | 0.3496% | 4,046 |
| Noninterest expense to average assets | 2.8918% | 2,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1099% | 1,827 |
| Return on assets (ROA) | 1.1099% | 1,869 |
| Pretax return on assets | 1.1099% | 2,940 |
| Return on Equity (ROE) | 11.4126% | 1,432 |
| Retained earnings to average equity (ytd only) | 6.1775% | 2,240 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2646% | 2,529 |
| Assets per employee ($millions) | 4.1480% | 3,762 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,971 |
| Loan loss allowance to noncurrent loans | 458.0247% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 4,395 |
| Noncurrent loans to loans | 0.3111% | 4,009 |
| Net loans and leases to total assets | 66.2959% | 2,932 |
| Net loans and leases to deposits | 76.1791% | 3,180 |
| Net loans and leases to core deposits | 78.4245% | 3,436 |
| Total domestic deposits to total assets | 87.0263% | 2,203 |
| Equity capital to assets | 10.0161% | 3,735 |
| Core capital (leverage) ratio | 9.9346% | 3,584 |
| Tier 1 risk-based capital ratio | 13.0032% | 4,077 |
| Total risk-based capital ratio | 14.2524% | 3,980 |
| Memoranda: | ||
| Average total assets | $117,852,000 | 4,033 |
| Average earning assets | $108,495,500 | 4,037 |
| Average equity | $11,461,000 | 4,313 |
| Average total loans | $82,273,500 | 3,760 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 2,268 |
| Cost of funding earning assets | 0.3112% | 3,943 |
| Net interest margin | 3.9494% | 1,792 |
| Noninterest income to average assets | 0.3524% | 4,208 |
| Noninterest expense to average assets | 2.6882% | 3,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3421% | 1,113 |
| Return on assets (ROA) | 1.4014% | 1,027 |
| Pretax return on assets | 1.4014% | 1,935 |
| Return on Equity (ROE) | 14.8616% | 645 |
| Retained earnings to average equity (ytd only) | 2.7209% | 3,969 |
| Net charge-offs to loans | 0.3347% | 823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.6610% | 3,305 |
| Efficiency ratio | 66.7002% | 3,481 |
| Assets per employee ($millions) | 4.2700% | 3,491 |
| Cash dividends to net income (ytd only)* | 81.6918% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,606 |
| Loan loss allowance to noncurrent loans | 428.4615% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 4,442 |
| Noncurrent loans to loans | 0.3008% | 4,062 |
| Net loans and leases to total assets | 71.3627% | 2,262 |
| Net loans and leases to deposits | 85.2419% | 2,273 |
| Net loans and leases to core deposits | 87.7789% | 2,696 |
| Total domestic deposits to total assets | 83.7179% | 3,533 |
| Equity capital to assets | 9.4420% | 4,337 |
| Core capital (leverage) ratio | 9.1984% | 4,481 |
| Tier 1 risk-based capital ratio | 11.7168% | 4,913 |
| Total risk-based capital ratio | 12.8823% | 4,872 |
| Memoranda: | ||
| Average total assets | $123,166,400 | 3,938 |
| Average earning assets | $114,699,600 | 3,913 |
| Average equity | $11,613,800 | 4,314 |
| Average total loans | $87,253,800 | 3,635 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 2,192 |
| Cost of funding earning assets | 0.3172% | 3,904 |
| Net interest margin | 3.9721% | 1,737 |
| Noninterest income to average assets | 0.3632% | 4,181 |
| Noninterest expense to average assets | 2.6297% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4347% | 997 |
| Return on assets (ROA) | 1.5131% | 909 |
| Pretax return on assets | 1.5131% | 1,669 |
| Return on Equity (ROE) | 16.0521% | 538 |
| Retained earnings to average equity (ytd only) | 2.7932% | 4,218 |
| Net charge-offs to loans | -0.0015% | 4,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7012% | 3,816 |
| Assets per employee ($millions) | 4.2580% | 3,492 |
| Cash dividends to net income (ytd only)* | 82.5994% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,507 |
| Loan loss allowance to noncurrent loans | 448.0892% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 4,423 |
| Noncurrent loans to loans | 0.3548% | 3,986 |
| Net loans and leases to total assets | 70.5317% | 2,415 |
| Net loans and leases to deposits | 92.5577% | 1,424 |
| Net loans and leases to core deposits | 95.5167% | 2,050 |
| Total domestic deposits to total assets | 76.2030% | 5,207 |
| Equity capital to assets | 9.5439% | 4,619 |
| Core capital (leverage) ratio | 9.2378% | 4,545 |
| Tier 1 risk-based capital ratio | 11.3958% | 5,156 |
| Total risk-based capital ratio | 12.6474% | 5,055 |
| Memoranda: | ||
| Average total assets | $124,067,750 | 3,946 |
| Average earning assets | $115,604,500 | 3,926 |
| Average equity | $11,695,000 | 4,339 |
| Average total loans | $87,458,250 | 3,645 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,384 |
| Cost of funding earning assets | 0.3107% | 4,009 |
| Net interest margin | 3.9246% | 1,897 |
| Noninterest income to average assets | 0.3541% | 4,240 |
| Noninterest expense to average assets | 2.6412% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3729% | 1,106 |
| Return on assets (ROA) | 1.4904% | 953 |
| Pretax return on assets | 1.4904% | 1,699 |
| Return on Equity (ROE) | 15.8766% | 557 |
| Retained earnings to average equity (ytd only) | 2.7604% | 4,143 |
| Net charge-offs to loans | -0.0092% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7979% | 3,709 |
| Assets per employee ($millions) | 4.4879% | 3,052 |
| Cash dividends to net income (ytd only)* | 82.6134% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 1,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.0381% | 2,164 |
| Net loans and leases to deposits | 94.2453% | 1,268 |
| Net loans and leases to core deposits | 97.3078% | 1,861 |
| Total domestic deposits to total assets | 76.4368% | 5,229 |
| Equity capital to assets | 9.7201% | 4,540 |
| Core capital (leverage) ratio | 9.0887% | 4,731 |
| Tier 1 risk-based capital ratio | 11.0742% | 5,382 |
| Total risk-based capital ratio | 12.3258% | 5,298 |
| Memoranda: | ||
| Average total assets | $124,263,000 | 3,971 |
| Average earning assets | $115,883,670 | 3,950 |
| Average equity | $11,665,000 | 4,372 |
| Average total loans | $87,110,670 | 3,665 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 2,410 |
| Cost of funding earning assets | 0.3169% | 3,986 |
| Net interest margin | 3.8994% | 1,936 |
| Noninterest income to average assets | 0.3720% | 4,064 |
| Noninterest expense to average assets | 2.6421% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3290% | 1,189 |
| Return on assets (ROA) | 1.5611% | 801 |
| Pretax return on assets | 1.5611% | 1,401 |
| Return on Equity (ROE) | 16.9186% | 449 |
| Retained earnings to average equity (ytd only) | 16.9186% | 157 |
| Net charge-offs to loans | -0.0093% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5332% | 3,712 |
| Assets per employee ($millions) | 4.6096% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 1,461 |
| Loan loss allowance to noncurrent loans | 497.8799% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 4,646 |
| Noncurrent loans to loans | 0.3328% | 4,241 |
| Net loans and leases to total assets | 67.1983% | 2,781 |
| Net loans and leases to deposits | 85.4954% | 2,121 |
| Net loans and leases to core deposits | 88.1194% | 2,551 |
| Total domestic deposits to total assets | 78.5987% | 5,048 |
| Equity capital to assets | 9.5533% | 4,617 |
| Core capital (leverage) ratio | 9.2092% | 4,590 |
| Tier 1 risk-based capital ratio | 11.3093% | 5,336 |
| Total risk-based capital ratio | 12.5612% | 5,241 |
| Memoranda: | ||
| Average total assets | $125,808,500 | 3,982 |
| Average earning assets | $116,120,500 | 3,972 |
| Average equity | $11,608,500 | 4,400 |
| Average total loans | $86,316,000 | 3,698 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 2,575 |
| Cost of funding earning assets | 0.3530% | 3,672 |
| Net interest margin | 3.8427% | 2,224 |
| Noninterest income to average assets | 0.3486% | 4,414 |
| Noninterest expense to average assets | 2.5261% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3879% | 1,058 |
| Return on assets (ROA) | 1.4130% | 1,054 |
| Pretax return on assets | 1.4130% | 1,843 |
| Return on Equity (ROE) | 16.2327% | 534 |
| Retained earnings to average equity (ytd only) | 11.2688% | 319 |
| Net charge-offs to loans | -0.4164% | 6,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5402% | 4,157 |
| Assets per employee ($millions) | 5.0863% | 2,264 |
| Cash dividends to net income (ytd only)* | 30.5795% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 1,597 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.7761% | 2,731 |
| Net loans and leases to deposits | 87.1979% | 1,977 |
| Net loans and leases to core deposits | 89.8450% | 2,415 |
| Total domestic deposits to total assets | 77.7267% | 5,215 |
| Equity capital to assets | 8.9079% | 5,211 |
| Core capital (leverage) ratio | 8.6068% | 5,322 |
| Tier 1 risk-based capital ratio | 10.8728% | 5,589 |
| Total risk-based capital ratio | 12.1237% | 5,499 |
| Memoranda: | ||
| Average total assets | $123,351,200 | 4,015 |
| Average earning assets | $114,452,200 | 3,992 |
| Average equity | $10,737,600 | 4,534 |
| Average total loans | $81,651,600 | 3,781 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1529% | 2,737 |
| Cost of funding earning assets | 0.3672% | 3,581 |
| Net interest margin | 3.7858% | 2,439 |
| Noninterest income to average assets | 0.3453% | 4,460 |
| Noninterest expense to average assets | 2.4956% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3540% | 1,218 |
| Return on assets (ROA) | 1.3878% | 1,187 |
| Pretax return on assets | 1.3878% | 2,065 |
| Return on Equity (ROE) | 16.0395% | 589 |
| Retained earnings to average equity (ytd only) | 11.5953% | 404 |
| Net charge-offs to loans | -0.5638% | 6,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8274% | 4,098 |
| Assets per employee ($millions) | 5.1396% | 2,127 |
| Cash dividends to net income (ytd only)* | 27.7078% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 68.8046% | 2,563 |
| Net loans and leases to deposits | 92.9006% | 1,319 |
| Net loans and leases to core deposits | 95.8570% | 1,901 |
| Total domestic deposits to total assets | 74.0626% | 5,707 |
| Equity capital to assets | 8.6341% | 5,619 |
| Core capital (leverage) ratio | 8.4227% | 5,611 |
| Tier 1 risk-based capital ratio | 9.9425% | 6,057 |
| Total risk-based capital ratio | 11.1924% | 6,017 |
| Memoranda: | ||
| Average total assets | $122,399,750 | 4,076 |
| Average earning assets | $113,299,250 | 4,059 |
| Average equity | $10,590,250 | 4,605 |
| Average total loans | $80,167,500 | 3,852 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 2,897 |
| Cost of funding earning assets | 0.3854% | 3,422 |
| Net interest margin | 3.7145% | 2,650 |
| Noninterest income to average assets | 0.3506% | 4,450 |
| Noninterest expense to average assets | 2.4558% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3060% | 1,307 |
| Return on assets (ROA) | 1.3575% | 1,218 |
| Pretax return on assets | 1.3575% | 2,154 |
| Return on Equity (ROE) | 15.6779% | 643 |
| Retained earnings to average equity (ytd only) | 8.9040% | 956 |
| Net charge-offs to loans | -0.8863% | 6,262 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2827% | 4,135 |
| Assets per employee ($millions) | 5.0271% | 2,243 |
| Cash dividends to net income (ytd only)* | 43.2069% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 1,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 65.6500% | 3,014 |
| Net loans and leases to deposits | 87.5062% | 1,889 |
| Net loans and leases to core deposits | 89.0495% | 2,444 |
| Total domestic deposits to total assets | 75.0233% | 5,704 |
| Equity capital to assets | 8.3070% | 5,827 |
| Core capital (leverage) ratio | 8.4019% | 5,632 |
| Tier 1 risk-based capital ratio | 10.0873% | 6,056 |
| Total risk-based capital ratio | 11.3402% | 6,008 |
| Memoranda: | ||
| Average total assets | $120,369,670 | 4,148 |
| Average earning assets | $110,539,330 | 4,143 |
| Average equity | $10,422,330 | 4,665 |
| Average total loans | $76,952,670 | 3,978 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 3,203 |
| Cost of funding earning assets | 0.4124% | 3,166 |
| Net interest margin | 3.5962% | 3,019 |
| Noninterest income to average assets | 0.3500% | 4,397 |
| Noninterest expense to average assets | 2.4941% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1451% | 1,718 |
| Return on assets (ROA) | 1.2505% | 1,491 |
| Pretax return on assets | 1.2505% | 2,461 |
| Return on Equity (ROE) | 14.1355% | 852 |
| Retained earnings to average equity (ytd only) | 14.1355% | 348 |
| Net charge-offs to loans | -1.8565% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5341% | 3,735 |
| Assets per employee ($millions) | 4.7611% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 1,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 62.0467% | 3,360 |
| Net loans and leases to deposits | 71.3239% | 3,614 |
| Net loans and leases to core deposits | 73.0661% | 3,866 |
| Total domestic deposits to total assets | 86.9930% | 2,371 |
| Equity capital to assets | 8.9802% | 5,317 |
| Core capital (leverage) ratio | 8.4540% | 5,571 |
| Tier 1 risk-based capital ratio | 10.2747% | 6,087 |
| Total risk-based capital ratio | 11.5273% | 6,033 |
| Memoranda: | ||
| Average total assets | $117,716,000 | 4,223 |
| Average earning assets | $107,670,000 | 4,222 |
| Average equity | $10,413,500 | 4,706 |
| Average total loans | $73,472,000 | 4,093 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8833% | 4,192 |
| Cost of funding earning assets | 0.5619% | 2,128 |
| Net interest margin | 3.3214% | 4,509 |
| Noninterest income to average assets | 0.3867% | 4,282 |
| Noninterest expense to average assets | 2.4171% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9974% | 2,392 |
| Return on assets (ROA) | 0.9686% | 2,623 |
| Pretax return on assets | 0.9686% | 3,617 |
| Return on Equity (ROE) | 11.8283% | 1,458 |
| Retained earnings to average equity (ytd only) | 6.8567% | 1,471 |
| Net charge-offs to loans | -0.0100% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7899% | 3,420 |
| Assets per employee ($millions) | 4.8502% | 2,534 |
| Cash dividends to net income (ytd only)* | 42.0315% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 2,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 60.6672% | 3,698 |
| Net loans and leases to deposits | 68.8791% | 4,040 |
| Net loans and leases to core deposits | 71.1412% | 4,206 |
| Total domestic deposits to total assets | 88.0777% | 1,728 |
| Equity capital to assets | 8.7093% | 5,573 |
| Core capital (leverage) ratio | 8.1722% | 5,872 |
| Tier 1 risk-based capital ratio | 12.2983% | 5,154 |
| Total risk-based capital ratio | 13.5494% | 5,071 |
| Memoranda: | ||
| Average total assets | $117,907,600 | 4,229 |
| Average earning assets | $107,486,000 | 4,232 |
| Average equity | $9,654,800 | 4,828 |
| Average total loans | $70,297,000 | 4,176 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 4,431 |
| Cost of funding earning assets | 0.5834% | 1,989 |
| Net interest margin | 3.2488% | 4,793 |
| Noninterest income to average assets | 0.3776% | 4,417 |
| Noninterest expense to average assets | 2.3874% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9469% | 2,698 |
| Return on assets (ROA) | 0.8973% | 3,016 |
| Pretax return on assets | 0.8973% | 3,999 |
| Return on Equity (ROE) | 11.1318% | 1,740 |
| Retained earnings to average equity (ytd only) | 6.9364% | 1,847 |
| Net charge-offs to loans | 0.0286% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 55.9985% | 910 |
| Efficiency ratio | 71.6024% | 3,249 |
| Assets per employee ($millions) | 5.1610% | 2,063 |
| Cash dividends to net income (ytd only)* | 37.6883% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 3,017 |
| Loan loss allowance to noncurrent loans | 1,798.2759% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 5,962 |
| Noncurrent loans to loans | 0.0798% | 5,706 |
| Net loans and leases to total assets | 60.3722% | 3,721 |
| Net loans and leases to deposits | 72.0238% | 3,682 |
| Net loans and leases to core deposits | 74.3878% | 3,911 |
| Total domestic deposits to total assets | 83.8225% | 3,828 |
| Equity capital to assets | 8.3857% | 5,883 |
| Core capital (leverage) ratio | 8.0594% | 6,024 |
| Tier 1 risk-based capital ratio | 11.4636% | 5,802 |
| Total risk-based capital ratio | 12.7140% | 5,738 |
| Memoranda: | ||
| Average total assets | $118,283,500 | 4,254 |
| Average earning assets | $107,648,250 | 4,272 |
| Average equity | $9,534,000 | 4,893 |
| Average total loans | $69,950,250 | 4,225 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 4,344 |
| Cost of funding earning assets | 0.5877% | 2,001 |
| Net interest margin | 3.2594% | 4,742 |
| Noninterest income to average assets | 0.3792% | 4,412 |
| Noninterest expense to average assets | 2.4174% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9192% | 2,707 |
| Return on assets (ROA) | 0.8244% | 3,309 |
| Pretax return on assets | 0.8244% | 4,180 |
| Return on Equity (ROE) | 10.3683% | 1,989 |
| Retained earnings to average equity (ytd only) | 3.9813% | 3,651 |
| Net charge-offs to loans | 0.0406% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 38.7857% | 1,080 |
| Efficiency ratio | 72.4505% | 3,251 |
| Assets per employee ($millions) | 4.8409% | 2,415 |
| Cash dividends to net income (ytd only)* | 61.6016% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 2,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 58.6464% | 3,908 |
| Net loans and leases to deposits | 66.9747% | 4,163 |
| Net loans and leases to core deposits | 69.1161% | 4,357 |
| Total domestic deposits to total assets | 87.5651% | 2,162 |
| Equity capital to assets | 8.3267% | 5,934 |
| Core capital (leverage) ratio | 7.8519% | 6,182 |
| Tier 1 risk-based capital ratio | 11.3463% | 5,879 |
| Total risk-based capital ratio | 12.5971% | 5,830 |
| Memoranda: | ||
| Average total assets | $118,144,000 | 4,286 |
| Average earning assets | $107,196,000 | 4,302 |
| Average equity | $9,394,000 | 4,935 |
| Average total loans | $69,031,670 | 4,268 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 4,557 |
| Cost of funding earning assets | 0.5921% | 2,048 |
| Net interest margin | 3.1913% | 4,947 |
| Noninterest income to average assets | 0.3794% | 4,352 |
| Noninterest expense to average assets | 2.4344% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8227% | 3,044 |
| Return on assets (ROA) | 0.8227% | 3,116 |
| Pretax return on assets | 0.8227% | 4,015 |
| Return on Equity (ROE) | 10.5900% | 1,830 |
| Retained earnings to average equity (ytd only) | 10.5900% | 822 |
| Net charge-offs to loans | 0.0232% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 646 |
| Efficiency ratio | 74.7423% | 3,009 |
| Assets per employee ($millions) | 4.8364% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 2,824 |
| Loan loss allowance to noncurrent loans | 256.0680% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 5,124 |
| Noncurrent loans to loans | 0.6138% | 4,323 |
| Net loans and leases to total assets | 54.6452% | 4,331 |
| Net loans and leases to deposits | 61.3567% | 4,620 |
| Net loans and leases to core deposits | 62.9617% | 4,790 |
| Total domestic deposits to total assets | 89.0614% | 1,618 |
| Equity capital to assets | 7.7966% | 6,177 |
| Core capital (leverage) ratio | 7.6844% | 6,272 |
| Tier 1 risk-based capital ratio | 11.8422% | 5,733 |
| Total risk-based capital ratio | 13.0731% | 5,683 |
| Memoranda: | ||
| Average total assets | $119,125,500 | 4,298 |
| Average earning assets | $107,415,500 | 4,333 |
| Average equity | $9,254,000 | 4,988 |
| Average total loans | $68,957,500 | 4,299 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 4,610 |
| Cost of funding earning assets | 0.6889% | 1,895 |
| Net interest margin | 3.1714% | 5,088 |
| Noninterest income to average assets | 0.3980% | 4,459 |
| Noninterest expense to average assets | 2.3784% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9334% | 2,629 |
| Return on assets (ROA) | 0.9334% | 2,711 |
| Pretax return on assets | 0.8943% | 3,787 |
| Return on Equity (ROE) | 12.1638% | 1,368 |
| Retained earnings to average equity (ytd only) | 8.2714% | 965 |
| Net charge-offs to loans | -0.1567% | 6,575 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6731% | 3,355 |
| Assets per employee ($millions) | 4.6936% | 2,599 |
| Cash dividends to net income (ytd only)* | 32.0000% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 3,220 |
| Loan loss allowance to noncurrent loans | 1,627.6923% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,198 |
| Noncurrent loans to loans | 0.0918% | 5,938 |
| Net loans and leases to total assets | 59.4256% | 3,806 |
| Net loans and leases to deposits | 66.7720% | 4,208 |
| Net loans and leases to core deposits | 68.3668% | 4,468 |
| Total domestic deposits to total assets | 88.9978% | 1,626 |
| Equity capital to assets | 7.7390% | 6,166 |
| Core capital (leverage) ratio | 7.6841% | 6,310 |
| Tier 1 risk-based capital ratio | 10.8747% | 6,234 |
| Total risk-based capital ratio | 12.1250% | 6,177 |
| Memoranda: | ||
| Average total assets | $117,851,400 | 4,319 |
| Average earning assets | $106,830,400 | 4,342 |
| Average equity | $9,043,200 | 5,069 |
| Average total loans | $66,375,600 | 4,400 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7932% | 4,879 |
| Cost of funding earning assets | 0.6974% | 1,971 |
| Net interest margin | 3.0959% | 5,326 |
| Noninterest income to average assets | 0.3910% | 4,600 |
| Noninterest expense to average assets | 2.3337% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9177% | 2,745 |
| Return on assets (ROA) | 0.9177% | 2,847 |
| Pretax return on assets | 0.8668% | 4,020 |
| Return on Equity (ROE) | 11.9844% | 1,478 |
| Retained earnings to average equity (ytd only) | 9.4311% | 928 |
| Net charge-offs to loans | -0.0756% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9167% | 3,237 |
| Assets per employee ($millions) | 4.1183% | 3,600 |
| Cash dividends to net income (ytd only)* | 21.3053% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 3,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 58.8183% | 3,877 |
| Net loans and leases to deposits | 68.5818% | 3,984 |
| Net loans and leases to core deposits | 70.3094% | 4,291 |
| Total domestic deposits to total assets | 85.7637% | 3,372 |
| Equity capital to assets | 7.8284% | 6,246 |
| Core capital (leverage) ratio | 7.6832% | 6,378 |
| Tier 1 risk-based capital ratio | 11.1940% | 6,191 |
| Total risk-based capital ratio | 12.4412% | 6,162 |
| Memoranda: | ||
| Average total assets | $117,979,250 | 4,360 |
| Average earning assets | $107,065,250 | 4,381 |
| Average equity | $9,033,750 | 5,131 |
| Average total loans | $65,272,500 | 4,476 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 4,966 |
| Cost of funding earning assets | 0.7099% | 2,006 |
| Net interest margin | 3.0482% | 5,435 |
| Noninterest income to average assets | 0.3298% | 5,053 |
| Noninterest expense to average assets | 2.1435% | 5,769 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9170% | 2,712 |
| Return on assets (ROA) | 0.9170% | 2,850 |
| Pretax return on assets | 0.9170% | 3,845 |
| Return on Equity (ROE) | 12.0629% | 1,473 |
| Retained earnings to average equity (ytd only) | 8.2337% | 1,392 |
| Net charge-offs to loans | -0.0655% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0385% | 3,816 |
| Assets per employee ($millions) | 4.3710% | 3,053 |
| Cash dividends to net income (ytd only)* | 31.7431% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,556 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 53.9973% | 4,588 |
| Net loans and leases to deposits | 60.4330% | 4,924 |
| Net loans and leases to core deposits | 61.8537% | 5,105 |
| Total domestic deposits to total assets | 89.3507% | 1,410 |
| Equity capital to assets | 7.3905% | 6,477 |
| Core capital (leverage) ratio | 7.2065% | 6,562 |
| Tier 1 risk-based capital ratio | 11.2430% | 6,227 |
| Total risk-based capital ratio | 12.4928% | 6,192 |
| Memoranda: | ||
| Average total assets | $118,868,670 | 4,370 |
| Average earning assets | $106,489,330 | 4,421 |
| Average equity | $9,036,000 | 5,163 |
| Average total loans | $64,091,330 | 4,534 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7516% | 4,987 |
| Cost of funding earning assets | 0.7121% | 2,115 |
| Net interest margin | 3.0395% | 5,464 |
| Noninterest income to average assets | 0.3621% | 4,766 |
| Noninterest expense to average assets | 2.3706% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6941% | 3,717 |
| Return on assets (ROA) | 0.6941% | 3,863 |
| Pretax return on assets | 0.7108% | 4,532 |
| Return on Equity (ROE) | 9.0069% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.0069% | 1,381 |
| Net charge-offs to loans | -0.0125% | 5,521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9314% | 2,775 |
| Assets per employee ($millions) | 4.4939% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 3,583 |
| Loan loss allowance to noncurrent loans | 4,350.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 6,562 |
| Noncurrent loans to loans | 0.0358% | 6,381 |
| Net loans and leases to total assets | 49.8636% | 5,011 |
| Net loans and leases to deposits | 55.9463% | 5,248 |
| Net loans and leases to core deposits | 57.2242% | 5,419 |
| Total domestic deposits to total assets | 89.1276% | 1,609 |
| Equity capital to assets | 7.6293% | 6,552 |
| Core capital (leverage) ratio | 7.1274% | 6,606 |
| Tier 1 risk-based capital ratio | 11.5357% | 6,170 |
| Total risk-based capital ratio | 12.7860% | 6,134 |
| Memoranda: | ||
| Average total assets | $119,294,500 | 4,411 |
| Average earning assets | $106,729,000 | 4,453 |
| Average equity | $9,193,000 | 5,184 |
| Average total loans | $63,786,500 | 4,574 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 4,955 |
| Cost of funding earning assets | 0.8722% | 2,123 |
| Net interest margin | 3.2261% | 5,505 |
| Noninterest income to average assets | 0.3711% | 4,821 |
| Noninterest expense to average assets | 2.6000% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6264% | 4,106 |
| Return on assets (ROA) | 0.6842% | 4,077 |
| Pretax return on assets | 0.7053% | 4,652 |
| Return on Equity (ROE) | 8.6976% | 2,789 |
| Retained earnings to average equity (ytd only) | 2.8434% | 4,237 |
| Net charge-offs to loans | 0.0063% | 5,874 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 227 |
| Efficiency ratio | 80.1081% | 2,125 |
| Assets per employee ($millions) | 4.1876% | 3,571 |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 3,964 |
| Loan loss allowance to noncurrent loans | 4,340.9091% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 6,516 |
| Noncurrent loans to loans | 0.0333% | 6,427 |
| Net loans and leases to total assets | 55.5708% | 4,369 |
| Net loans and leases to deposits | 63.6791% | 4,574 |
| Net loans and leases to core deposits | 65.0504% | 4,828 |
| Total domestic deposits to total assets | 87.2670% | 2,665 |
| Equity capital to assets | 7.7857% | 6,511 |
| Core capital (leverage) ratio | 7.2893% | 6,591 |
| Tier 1 risk-based capital ratio | 10.2847% | 6,623 |
| Total risk-based capital ratio | 11.4733% | 6,606 |
| Memoranda: | ||
| Average total assets | $113,998,400 | 4,494 |
| Average earning assets | $101,577,400 | 4,560 |
| Average equity | $8,968,000 | 5,233 |
| Average total loans | $63,542,800 | 4,580 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 5,274 |
| Cost of funding earning assets | 0.9003% | 2,170 |
| Net interest margin | 3.1774% | 5,750 |
| Noninterest income to average assets | 0.3664% | 4,898 |
| Noninterest expense to average assets | 2.5562% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6225% | 4,282 |
| Return on assets (ROA) | 0.6985% | 4,170 |
| Pretax return on assets | 0.7339% | 4,732 |
| Return on Equity (ROE) | 8.8561% | 2,873 |
| Retained earnings to average equity (ytd only) | 4.4803% | 3,745 |
| Net charge-offs to loans | 0.0127% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 92.4975% | 454 |
| Efficiency ratio | 79.6330% | 2,146 |
| Assets per employee ($millions) | 3.7964% | 4,306 |
| Cash dividends to net income (ytd only)* | 49.4100% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 4,077 |
| Loan loss allowance to noncurrent loans | 5,294.4444% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 6,642 |
| Noncurrent loans to loans | 0.0277% | 6,558 |
| Net loans and leases to total assets | 56.1773% | 4,423 |
| Net loans and leases to deposits | 67.1530% | 4,316 |
| Net loans and leases to core deposits | 68.8971% | 4,625 |
| Total domestic deposits to total assets | 83.6557% | 4,371 |
| Equity capital to assets | 8.1699% | 6,504 |
| Core capital (leverage) ratio | 7.4210% | 6,658 |
| Tier 1 risk-based capital ratio | 11.3707% | 6,314 |
| Total risk-based capital ratio | 12.6215% | 6,274 |
| Memoranda: | ||
| Average total assets | $113,184,500 | 4,562 |
| Average earning assets | $101,295,250 | 4,611 |
| Average equity | $8,927,750 | 5,289 |
| Average total loans | $62,900,000 | 4,645 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 5,399 |
| Cost of funding earning assets | 0.9363% | 2,144 |
| Net interest margin | 3.1402% | 5,888 |
| Noninterest income to average assets | 0.3825% | 4,775 |
| Noninterest expense to average assets | 2.5658% | 4,900 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5961% | 4,383 |
| Return on assets (ROA) | 0.6658% | 4,293 |
| Pretax return on assets | 0.6924% | 4,849 |
| Return on Equity (ROE) | 8.5435% | 3,000 |
| Retained earnings to average equity (ytd only) | 2.4994% | 4,941 |
| Net charge-offs to loans | 0.0257% | 5,025 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 818 |
| Efficiency ratio | 80.5447% | 2,093 |
| Assets per employee ($millions) | 3.7699% | 4,385 |
| Cash dividends to net income (ytd only)* | 70.7447% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 4,023 |
| Loan loss allowance to noncurrent loans | 195.8763% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4589% | 5,631 |
| Noncurrent loans to loans | 0.7641% | 4,979 |
| Net loans and leases to total assets | 55.2800% | 4,579 |
| Net loans and leases to deposits | 65.2950% | 4,606 |
| Net loans and leases to core deposits | 67.9802% | 4,790 |
| Total domestic deposits to total assets | 84.6618% | 4,025 |
| Equity capital to assets | 7.9410% | 6,603 |
| Core capital (leverage) ratio | 7.3178% | 6,711 |
| Tier 1 risk-based capital ratio | 11.4209% | 6,266 |
| Total risk-based capital ratio | 12.6714% | 6,241 |
| Memoranda: | ||
| Average total assets | $112,948,330 | 4,593 |
| Average earning assets | $100,822,670 | 4,647 |
| Average equity | $8,802,000 | 5,318 |
| Average total loans | $62,221,670 | 4,706 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 5,088 |
| Cost of funding earning assets | 0.9836% | 2,080 |
| Net interest margin | 3.2197% | 5,735 |
| Noninterest income to average assets | 0.3898% | 4,743 |
| Noninterest expense to average assets | 2.5905% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6095% | 4,302 |
| Return on assets (ROA) | 0.6095% | 4,513 |
| Pretax return on assets | 0.6414% | 4,969 |
| Return on Equity (ROE) | 7.8967% | 3,332 |
| Retained earnings to average equity (ytd only) | -4.3156% | 6,534 |
| Net charge-offs to loans | -0.0065% | 5,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1535% | 2,179 |
| Assets per employee ($millions) | 4.0846% | 3,834 |
| Cash dividends to net income (ytd only)* | 154.6512% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 3,767 |
| Loan loss allowance to noncurrent loans | 67.5581% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 4,012 |
| Noncurrent loans to loans | 2.3514% | 2,746 |
| Net loans and leases to total assets | 51.9992% | 5,029 |
| Net loans and leases to deposits | 58.1140% | 5,362 |
| Net loans and leases to core deposits | 60.3399% | 5,499 |
| Total domestic deposits to total assets | 89.4779% | 1,385 |
| Equity capital to assets | 7.6000% | 6,743 |
| Core capital (leverage) ratio | 7.1029% | 6,802 |
| Tier 1 risk-based capital ratio | 11.3885% | 6,340 |
| Total risk-based capital ratio | 12.6405% | 6,320 |
| Memoranda: | ||
| Average total assets | $112,874,000 | 4,625 |
| Average earning assets | $99,636,000 | 4,706 |
| Average equity | $8,712,500 | 5,358 |
| Average total loans | $61,597,500 | 4,750 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 5,931 |
| Cost of funding earning assets | 1.1882% | 2,103 |
| Net interest margin | 3.0563% | 6,436 |
| Noninterest income to average assets | 0.3811% | 4,778 |
| Noninterest expense to average assets | 2.4351% | 5,683 |
| Loan and lease loss provision to assets | 0.0834% | 5,568 |
| Net operating income to assets | 0.6038% | 3,982 |
| Return on assets (ROA) | 0.6056% | 4,158 |
| Pretax return on assets | 0.6193% | 4,632 |
| Return on Equity (ROE) | 8.0028% | 2,896 |
| Retained earnings to average equity (ytd only) | 6.0536% | 1,990 |
| Net charge-offs to loans | 0.3027% | 3,885 |
| Credit loss provision to net charge-offs | 49.1892% | 5,442 |
| Earnings coverage of net charge-offs (x) | 4.1351% | 3,251 |
| Efficiency ratio | 77.6512% | 2,640 |
| Assets per employee ($millions) | 3.8407% | 4,224 |
| Cash dividends to net income (ytd only)* | 24.3570% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,896 |
| Loan loss allowance to noncurrent loans | 186.5759% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 5,738 |
| Noncurrent loans to loans | 0.8189% | 5,051 |
| Net loans and leases to total assets | 55.4907% | 4,795 |
| Net loans and leases to deposits | 62.2369% | 5,211 |
| Net loans and leases to core deposits | 64.4440% | 5,424 |
| Total domestic deposits to total assets | 89.1604% | 1,444 |
| Equity capital to assets | 7.8408% | 6,664 |
| Core capital (leverage) ratio | 7.1947% | 6,793 |
| Tier 1 risk-based capital ratio | 11.5924% | 6,104 |
| Total risk-based capital ratio | 12.8445% | 6,083 |
| Memoranda: | ||
| Average total assets | $109,154,800 | 4,661 |
| Average earning assets | $98,387,800 | 4,676 |
| Average equity | $8,259,600 | 5,489 |
| Average total loans | $61,118,600 | 4,827 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4349% | 5,480 |
| Cost of funding earning assets | 1.2297% | 2,128 |
| Net interest margin | 3.2052% | 6,150 |
| Noninterest income to average assets | 0.2112% | 6,104 |
| Noninterest expense to average assets | 2.4727% | 5,553 |
| Loan and lease loss provision to assets | 0.1129% | 5,010 |
| Net operating income to assets | 0.5034% | 4,536 |
| Return on assets (ROA) | 0.5034% | 4,719 |
| Pretax return on assets | 0.5279% | 5,050 |
| Return on Equity (ROE) | 6.7146% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.7320% | 2,715 |
| Net charge-offs to loans | 0.4546% | 2,914 |
| Credit loss provision to net charge-offs | 44.4444% | 5,156 |
| Earnings coverage of net charge-offs (x) | 2.5218% | 3,870 |
| Efficiency ratio | 79.4164% | 2,344 |
| Assets per employee ($millions) | 3.8479% | 4,197 |
| Cash dividends to net income (ytd only)* | 14.6346% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 4,133 |
| Loan loss allowance to noncurrent loans | 125.2336% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 5,339 |
| Noncurrent loans to loans | 1.1924% | 4,549 |
| Net loans and leases to total assets | 57.4279% | 4,600 |
| Net loans and leases to deposits | 64.8846% | 5,063 |
| Net loans and leases to core deposits | 67.5894% | 5,224 |
| Total domestic deposits to total assets | 88.5077% | 1,753 |
| Equity capital to assets | 8.0108% | 6,692 |
| Core capital (leverage) ratio | 7.3134% | 6,850 |
| Tier 1 risk-based capital ratio | 11.3003% | 6,359 |
| Total risk-based capital ratio | 12.5514% | 6,352 |
| Memoranda: | ||
| Average total assets | $108,598,750 | 4,706 |
| Average earning assets | $98,337,750 | 4,713 |
| Average equity | $8,141,250 | 5,555 |
| Average total loans | $60,707,250 | 4,874 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 5,952 |
| Cost of funding earning assets | 1.2434% | 2,301 |
| Net interest margin | 3.0781% | 6,451 |
| Noninterest income to average assets | 0.2039% | 6,209 |
| Noninterest expense to average assets | 2.4907% | 5,580 |
| Loan and lease loss provision to assets | 0.1671% | 4,261 |
| Net operating income to assets | 0.3178% | 5,299 |
| Return on assets (ROA) | 0.3178% | 5,433 |
| Pretax return on assets | 0.3380% | 5,578 |
| Return on Equity (ROE) | 4.3369% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.7854% | 3,807 |
| Net charge-offs to loans | 0.6633% | 2,179 |
| Credit loss provision to net charge-offs | 45.7286% | 4,684 |
| Earnings coverage of net charge-offs (x) | 1.3819% | 4,242 |
| Efficiency ratio | 83.1392% | 1,940 |
| Assets per employee ($millions) | 3.4805% | 4,990 |
| Cash dividends to net income (ytd only)* | 12.7168% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,823 |
| Loan loss allowance to noncurrent loans | 106.0606% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 5,155 |
| Noncurrent loans to loans | 1.4803% | 4,204 |
| Net loans and leases to total assets | 54.9103% | 5,160 |
| Net loans and leases to deposits | 61.7680% | 5,528 |
| Net loans and leases to core deposits | 64.3195% | 5,691 |
| Total domestic deposits to total assets | 88.8976% | 1,599 |
| Equity capital to assets | 7.6722% | 6,868 |
| Core capital (leverage) ratio | 6.9502% | 7,015 |
| Tier 1 risk-based capital ratio | 11.5033% | 6,167 |
| Total risk-based capital ratio | 12.7559% | 6,147 |
| Memoranda: | ||
| Average total assets | $108,884,330 | 4,736 |
| Average earning assets | $98,761,330 | 4,737 |
| Average equity | $7,978,000 | 5,617 |
| Average total loans | $60,005,670 | 4,957 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 6,079 |
| Cost of funding earning assets | 1.2503% | 2,501 |
| Net interest margin | 3.0250% | 6,521 |
| Noninterest income to average assets | 0.2121% | 6,217 |
| Noninterest expense to average assets | 2.5087% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4242% | 4,835 |
| Return on assets (ROA) | 0.4242% | 4,925 |
| Pretax return on assets | 0.4462% | 5,202 |
| Return on Equity (ROE) | 5.9274% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.8033% | 3,301 |
| Net charge-offs to loans | -0.0334% | 6,746 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9010% | 1,857 |
| Assets per employee ($millions) | 4.5352% | 2,826 |
| Cash dividends to net income (ytd only)* | 18.9655% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8650% | 2,810 |
| Loan loss allowance to noncurrent loans | 539.7959% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 6,653 |
| Noncurrent loans to loans | 0.3455% | 6,304 |
| Net loans and leases to total assets | 49.1026% | 5,949 |
| Net loans and leases to deposits | 54.6737% | 6,239 |
| Net loans and leases to core deposits | 56.4728% | 6,370 |
| Total domestic deposits to total assets | 89.8103% | 1,276 |
| Equity capital to assets | 6.9475% | 7,097 |
| Core capital (leverage) ratio | 6.9932% | 7,013 |
| Tier 1 risk-based capital ratio | 11.8645% | 5,807 |
| Total risk-based capital ratio | 13.1191% | 5,810 |
| Memoranda: | ||
| Average total assets | $109,378,500 | 4,751 |
| Average earning assets | $99,174,000 | 4,763 |
| Average equity | $7,828,000 | 5,670 |
| Average total loans | $59,913,000 | 5,004 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3073% | 3,104 |
| Cost of funding earning assets | 1.5071% | 2,594 |
| Net interest margin | 3.8001% | 3,946 |
| Noninterest income to average assets | 0.2499% | 6,011 |
| Noninterest expense to average assets | 2.6294% | 5,301 |
| Loan and lease loss provision to assets | 0.9011% | 1,816 |
| Net operating income to assets | 0.1308% | 5,498 |
| Return on assets (ROA) | 0.1308% | 5,650 |
| Pretax return on assets | 0.1348% | 5,634 |
| Return on Equity (ROE) | 1.6952% | 5,497 |
| Retained earnings to average equity (ytd only) | 0.5481% | 5,303 |
| Net charge-offs to loans | 1.1701% | 1,906 |
| Credit loss provision to net charge-offs | 118.3463% | 3,598 |
| Earnings coverage of net charge-offs (x) | 1.3605% | 4,749 |
| Efficiency ratio | 71.7391% | 3,847 |
| Assets per employee ($millions) | 3.7635% | 4,333 |
| Cash dividends to net income (ytd only)* | 67.6692% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 3,337 |
| Loan loss allowance to noncurrent loans | 520.7921% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 6,671 |
| Noncurrent loans to loans | 0.3201% | 6,412 |
| Net loans and leases to total assets | 58.8776% | 4,876 |
| Net loans and leases to deposits | 66.0331% | 5,392 |
| Net loans and leases to core deposits | 68.7834% | 5,576 |
| Total domestic deposits to total assets | 89.1638% | 1,555 |
| Equity capital to assets | 7.3820% | 6,951 |
| Core capital (leverage) ratio | 7.2043% | 6,907 |
| Tier 1 risk-based capital ratio | 10.9996% | 6,322 |
| Total risk-based capital ratio | 12.2537% | 6,300 |
| Memoranda: | ||
| Average total assets | $101,658,400 | 4,933 |
| Average earning assets | $91,365,000 | 4,969 |
| Average equity | $7,845,600 | 5,765 |
| Average total loans | $66,148,000 | 4,818 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 2,863 |
| Cost of funding earning assets | 1.5523% | 2,660 |
| Net interest margin | 3.8512% | 3,745 |
| Noninterest income to average assets | 0.2661% | 5,987 |
| Noninterest expense to average assets | 2.6447% | 5,137 |
| Loan and lease loss provision to assets | 0.8948% | 1,699 |
| Net operating income to assets | 0.1668% | 5,601 |
| Return on assets (ROA) | 0.1668% | 5,754 |
| Pretax return on assets | 0.1813% | 5,771 |
| Return on Equity (ROE) | 2.1368% | 5,562 |
| Retained earnings to average equity (ytd only) | 0.6105% | 5,557 |
| Net charge-offs to loans | 1.5224% | 1,321 |
| Credit loss provision to net charge-offs | 88.4817% | 4,825 |
| Earnings coverage of net charge-offs (x) | 1.0641% | 4,990 |
| Efficiency ratio | 71.0779% | 3,871 |
| Assets per employee ($millions) | 3.5635% | 4,818 |
| Cash dividends to net income (ytd only)* | 71.4286% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,177 |
| Loan loss allowance to noncurrent loans | 280.8874% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 6,637 |
| Noncurrent loans to loans | 0.4478% | 6,294 |
| Net loans and leases to total assets | 64.7487% | 3,962 |
| Net loans and leases to deposits | 71.7706% | 4,870 |
| Net loans and leases to core deposits | 75.1439% | 5,164 |
| Total domestic deposits to total assets | 90.2163% | 770 |
| Equity capital to assets | 7.9887% | 6,810 |
| Core capital (leverage) ratio | 7.5283% | 6,827 |
| Tier 1 risk-based capital ratio | 10.7962% | 6,549 |
| Total risk-based capital ratio | 11.9809% | 6,588 |
| Memoranda: | ||
| Average total assets | $100,728,500 | 5,022 |
| Average earning assets | $90,360,250 | 5,053 |
| Average equity | $7,862,250 | 5,837 |
| Average total loans | $66,911,000 | 4,868 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3491% | 3,221 |
| Cost of funding earning assets | 1.5704% | 2,832 |
| Net interest margin | 3.7787% | 4,001 |
| Noninterest income to average assets | 0.2751% | 5,947 |
| Noninterest expense to average assets | 2.6543% | 5,108 |
| Loan and lease loss provision to assets | 0.6255% | 2,294 |
| Net operating income to assets | 0.3741% | 4,876 |
| Return on assets (ROA) | 0.3741% | 5,041 |
| Pretax return on assets | 0.3959% | 5,243 |
| Return on Equity (ROE) | 4.8301% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.5778% | 3,821 |
| Net charge-offs to loans | 0.3056% | 3,785 |
| Credit loss provision to net charge-offs | 306.7961% | 1,197 |
| Earnings coverage of net charge-offs (x) | 5.0097% | 2,781 |
| Efficiency ratio | 72.2132% | 3,780 |
| Assets per employee ($millions) | 3.3651% | 5,274 |
| Cash dividends to net income (ytd only)* | 25.9259% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,962 |
| Loan loss allowance to noncurrent loans | 51.3008% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 2.1703% | 3,296 |
| Noncurrent loans to loans | 3.3739% | 2,369 |
| Net loans and leases to total assets | 63.2126% | 4,415 |
| Net loans and leases to deposits | 70.0102% | 5,277 |
| Net loans and leases to core deposits | 72.8000% | 5,587 |
| Total domestic deposits to total assets | 90.2905% | 774 |
| Equity capital to assets | 7.9403% | 6,817 |
| Core capital (leverage) ratio | 7.4407% | 6,882 |
| Tier 1 risk-based capital ratio | 11.1466% | 6,098 |
| Total risk-based capital ratio | 12.4012% | 6,084 |
| Memoranda: | ||
| Average total assets | $101,045,330 | 5,047 |
| Average earning assets | $90,931,670 | 5,064 |
| Average equity | $7,826,000 | 5,865 |
| Average total loans | $67,405,330 | 4,884 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 3,135 |
| Cost of funding earning assets | 1.5911% | 3,014 |
| Net interest margin | 3.7903% | 3,836 |
| Noninterest income to average assets | 0.2097% | 6,461 |
| Noninterest expense to average assets | 2.8014% | 4,477 |
| Loan and lease loss provision to assets | 0.4748% | 2,603 |
| Net operating income to assets | 0.3165% | 5,223 |
| Return on assets (ROA) | 0.3165% | 5,352 |
| Pretax return on assets | 0.3363% | 5,500 |
| Return on Equity (ROE) | 4.1392% | 4,826 |
| Retained earnings to average equity (ytd only) | 1.6039% | 5,141 |
| Net charge-offs to loans | 0.1807% | 3,839 |
| Credit loss provision to net charge-offs | 387.0968% | 1,051 |
| Earnings coverage of net charge-offs (x) | 6.6129% | 2,198 |
| Efficiency ratio | 77.5465% | 2,969 |
| Assets per employee ($millions) | 3.6816% | 4,620 |
| Cash dividends to net income (ytd only)* | 61.2500% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 3,918 |
| Loan loss allowance to noncurrent loans | 63.4921% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 4,210 |
| Noncurrent loans to loans | 2.3599% | 3,316 |
| Net loans and leases to total assets | 63.7723% | 4,381 |
| Net loans and leases to deposits | 70.2723% | 5,305 |
| Net loans and leases to core deposits | 72.0562% | 5,705 |
| Total domestic deposits to total assets | 90.7503% | 629 |
| Equity capital to assets | 7.5104% | 7,067 |
| Core capital (leverage) ratio | 7.4862% | 6,869 |
| Tier 1 risk-based capital ratio | 10.5931% | 6,547 |
| Total risk-based capital ratio | 11.8452% | 6,537 |
| Memoranda: | ||
| Average total assets | $101,091,500 | 5,116 |
| Average earning assets | $90,757,500 | 5,142 |
| Average equity | $7,731,000 | 5,936 |
| Average total loans | $68,638,500 | 4,907 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0410% | 1,713 |
| Cost of funding earning assets | 1.8527% | 3,724 |
| Net interest margin | 4.1883% | 2,113 |
| Noninterest income to average assets | 0.2179% | 6,553 |
| Noninterest expense to average assets | 2.8148% | 4,907 |
| Loan and lease loss provision to assets | 1.1586% | 1,973 |
| Net operating income to assets | 0.0031% | 5,473 |
| Return on assets (ROA) | 0.0679% | 5,341 |
| Pretax return on assets | 0.0627% | 5,293 |
| Return on Equity (ROE) | 0.8872% | 5,264 |
| Retained earnings to average equity (ytd only) | 0.5377% | 4,605 |
| Net charge-offs to loans | 1.1469% | 2,132 |
| Credit loss provision to net charge-offs | 138.7931% | 3,536 |
| Earnings coverage of net charge-offs (x) | 1.3855% | 4,749 |
| Efficiency ratio | 70.8776% | 4,460 |
| Assets per employee ($millions) | 3.5393% | 4,922 |
| Cash dividends to net income (ytd only)* | 39.3939% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 4,813 |
| Loan loss allowance to noncurrent loans | 59.8948% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5348% | 4,078 |
| Noncurrent loans to loans | 2.1563% | 3,447 |
| Net loans and leases to total assets | 70.2600% | 3,196 |
| Net loans and leases to deposits | 77.7235% | 4,436 |
| Net loans and leases to core deposits | 92.2139% | 4,862 |
| Total domestic deposits to total assets | 90.3975% | 780 |
| Equity capital to assets | 7.7902% | 6,779 |
| Core capital (leverage) ratio | 7.7289% | 6,526 |
| Tier 1 risk-based capital ratio | 10.1641% | 6,718 |
| Total risk-based capital ratio | 11.4045% | 6,704 |
| Memoranda: | ||
| Average total assets | $97,271,000 | 5,157 |
| Average earning assets | $87,170,800 | 5,221 |
| Average equity | $7,438,800 | 6,110 |
| Average total loans | $70,797,200 | 4,844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0664% | 1,770 |
| Cost of funding earning assets | 1.9179% | 3,783 |
| Net interest margin | 4.1485% | 2,218 |
| Noninterest income to average assets | 0.2272% | 6,603 |
| Noninterest expense to average assets | 2.8879% | 4,509 |
| Loan and lease loss provision to assets | 1.5108% | 1,268 |
| Net operating income to assets | -0.4448% | 6,371 |
| Return on assets (ROA) | -0.3581% | 6,275 |
| Pretax return on assets | -0.3581% | 6,150 |
| Return on Equity (ROE) | -4.7046% | 6,418 |
| Retained earnings to average equity (ytd only) | -5.1750% | 6,281 |
| Net charge-offs to loans | 1.4657% | 1,403 |
| Credit loss provision to net charge-offs | 140.8216% | 3,488 |
| Earnings coverage of net charge-offs (x) | 0.9936% | 5,062 |
| Efficiency ratio | 73.0408% | 4,047 |
| Assets per employee ($millions) | 3.3146% | 5,357 |
| Cash dividends to net income (ytd only)* | -10.0012% | 7,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,702 |
| Loan loss allowance to noncurrent loans | 81.2444% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1704% | 4,732 |
| Noncurrent loans to loans | 1.5618% | 4,297 |
| Net loans and leases to total assets | 73.9846% | 2,526 |
| Net loans and leases to deposits | 81.8886% | 4,048 |
| Net loans and leases to core deposits | 97.9506% | 4,609 |
| Total domestic deposits to total assets | 90.3479% | 646 |
| Equity capital to assets | 7.7348% | 7,118 |
| Core capital (leverage) ratio | 7.3640% | 7,115 |
| Tier 1 risk-based capital ratio | 9.6786% | 7,255 |
| Total risk-based capital ratio | 10.9177% | 7,221 |
| Memoranda: | ||
| Average total assets | $96,814,000 | 5,222 |
| Average earning assets | $86,969,250 | 5,268 |
| Average equity | $7,368,500 | 6,197 |
| Average total loans | $70,862,000 | 4,884 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9692% | 2,305 |
| Cost of funding earning assets | 1.9561% | 3,976 |
| Net interest margin | 4.0131% | 2,645 |
| Noninterest income to average assets | 0.2246% | 6,684 |
| Noninterest expense to average assets | 2.9038% | 4,487 |
| Loan and lease loss provision to assets | 1.8074% | 916 |
| Net operating income to assets | -0.8800% | 6,893 |
| Return on assets (ROA) | -0.7502% | 6,800 |
| Pretax return on assets | -0.7502% | 6,651 |
| Return on Equity (ROE) | -9.9097% | 7,025 |
| Retained earnings to average equity (ytd only) | -10.6175% | 6,936 |
| Net charge-offs to loans | 2.1824% | 838 |
| Credit loss provision to net charge-offs | 114.0442% | 4,065 |
| Earnings coverage of net charge-offs (x) | 0.5852% | 5,129 |
| Efficiency ratio | 75.7934% | 3,727 |
| Assets per employee ($millions) | 3.0174% | 6,084 |
| Cash dividends to net income (ytd only)* | -7.1429% | 7,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 6,383 |
| Loan loss allowance to noncurrent loans | 60.6897% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 4,534 |
| Noncurrent loans to loans | 1.6138% | 4,075 |
| Net loans and leases to total assets | 73.7129% | 2,782 |
| Net loans and leases to deposits | 81.5161% | 4,297 |
| Net loans and leases to core deposits | 98.5489% | 4,647 |
| Total domestic deposits to total assets | 90.4274% | 658 |
| Equity capital to assets | 7.5106% | 7,251 |
| Core capital (leverage) ratio | 7.2204% | 7,335 |
| Tier 1 risk-based capital ratio | 9.4494% | 7,436 |
| Total risk-based capital ratio | 10.3950% | 7,628 |
| Memoranda: | ||
| Average total assets | $97,044,000 | 5,250 |
| Average earning assets | $87,215,000 | 5,290 |
| Average equity | $7,346,330 | 6,247 |
| Average total loans | $70,472,330 | 4,940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8318% | 3,130 |
| Cost of funding earning assets | 1.9577% | 4,340 |
| Net interest margin | 3.8741% | 3,167 |
| Noninterest income to average assets | 0.2508% | 6,447 |
| Noninterest expense to average assets | 2.7383% | 4,835 |
| Loan and lease loss provision to assets | 0.8840% | 1,484 |
| Net operating income to assets | 0.0947% | 5,995 |
| Return on assets (ROA) | 0.3330% | 5,336 |
| Pretax return on assets | 0.3618% | 5,507 |
| Return on Equity (ROE) | 4.3822% | 4,756 |
| Retained earnings to average equity (ytd only) | 2.9756% | 4,220 |
| Net charge-offs to loans | 1.6282% | 891 |
| Credit loss provision to net charge-offs | 75.7042% | 4,260 |
| Earnings coverage of net charge-offs (x) | 0.8451% | 4,349 |
| Efficiency ratio | 73.5099% | 3,912 |
| Assets per employee ($millions) | 3.1137% | 5,856 |
| Cash dividends to net income (ytd only)* | 32.0988% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7590% | 7,285 |
| Loan loss allowance to noncurrent loans | 23.5478% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 2.3186% | 2,477 |
| Noncurrent loans to loans | 3.2231% | 2,006 |
| Net loans and leases to total assets | 71.3898% | 3,380 |
| Net loans and leases to deposits | 79.0721% | 4,763 |
| Net loans and leases to core deposits | 93.5564% | 5,201 |
| Total domestic deposits to total assets | 90.2844% | 685 |
| Equity capital to assets | 7.6861% | 7,191 |
| Core capital (leverage) ratio | 7.5392% | 7,105 |
| Tier 1 risk-based capital ratio | 9.7197% | 7,230 |
| Total risk-based capital ratio | 10.4333% | 7,672 |
| Memoranda: | ||
| Average total assets | $97,287,500 | 5,263 |
| Average earning assets | $87,245,500 | 5,308 |
| Average equity | $7,393,500 | 6,258 |
| Average total loans | $69,769,000 | 4,991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5656% | 2,645 |
| Cost of funding earning assets | 2.5281% | 4,061 |
| Net interest margin | 4.0375% | 2,952 |
| Noninterest income to average assets | 0.2279% | 6,804 |
| Noninterest expense to average assets | 3.0229% | 3,997 |
| Loan and lease loss provision to assets | 0.1287% | 5,720 |
| Net operating income to assets | 0.6810% | 3,979 |
| Return on assets (ROA) | 0.7306% | 3,590 |
| Pretax return on assets | 0.7819% | 4,135 |
| Return on Equity (ROE) | 10.1660% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.2556% | 566 |
| Net charge-offs to loans | 0.2849% | 3,501 |
| Credit loss provision to net charge-offs | 64.1304% | 6,175 |
| Earnings coverage of net charge-offs (x) | 4.2717% | 4,047 |
| Efficiency ratio | 77.9089% | 2,929 |
| Assets per employee ($millions) | 3.1629% | 5,585 |
| Cash dividends to net income (ytd only)* | 8.9552% | 4,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 6,903 |
| Loan loss allowance to noncurrent loans | 97.7049% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 5,334 |
| Noncurrent loans to loans | 0.8702% | 4,878 |
| Net loans and leases to total assets | 70.8883% | 3,815 |
| Net loans and leases to deposits | 79.1433% | 5,178 |
| Net loans and leases to core deposits | 92.2063% | 5,614 |
| Total domestic deposits to total assets | 89.5696% | 822 |
| Equity capital to assets | 7.5145% | 7,370 |
| Core capital (leverage) ratio | 7.4802% | 7,230 |
| Tier 1 risk-based capital ratio | 9.6340% | 7,168 |
| Total risk-based capital ratio | 10.4399% | 7,584 |
| Memoranda: | ||
| Average total assets | $91,699,800 | 5,300 |
| Average earning assets | $82,948,000 | 5,332 |
| Average equity | $6,590,600 | 6,608 |
| Average total loans | $64,588,200 | 5,072 |