Home > Andover State Bank > Performance and Condition Ratios
Andover State 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 | 5.5267% | 1,124 |
| Cost of funding earning assets | 1.8511% | 1,159 |
| Net interest margin | 3.6757% | 1,801 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8605% | 1,368 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.8015% | 2,869 |
| Return on assets (ROA) | 0.8015% | 2,849 |
| Pretax return on assets | 0.9516% | 2,808 |
| Return on Equity (ROE) | 10.2000% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.3320% | 1,176 |
| Net charge-offs to loans | -0.0283% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.2089% | 1,533 |
| Assets per employee ($millions) | 8.0205% | 1,424 |
| Cash dividends to net income (ytd only)* | 8.4993% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 1,827 |
| Loan loss allowance to noncurrent loans | 627.4011% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 2,307 |
| Noncurrent loans to loans | 0.2054% | 2,487 |
| Net loans and leases to total assets | 88.3900% | 71 |
| Net loans and leases to deposits | 99.5489% | 562 |
| Net loans and leases to core deposits | 111.4698% | 901 |
| Total domestic deposits to total assets | 88.7900% | 1,125 |
| Equity capital to assets | 8.1177% | 3,342 |
| Core capital (leverage) ratio | 8.6741% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5645% | 2,871 |
| Memoranda: | ||
| Average total assets | $187,903,200 | 3,068 |
| Average earning assets | $177,410,400 | 3,033 |
| Average equity | $14,766,400 | 3,288 |
| Average total loans | $166,193,000 | 2,550 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4132% | 1,118 |
| Cost of funding earning assets | 1.7099% | 1,173 |
| Net interest margin | 3.7033% | 1,769 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.9164% | 1,199 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.7589% | 3,136 |
| Return on assets (ROA) | 0.7589% | 3,134 |
| Pretax return on assets | 0.8596% | 3,194 |
| Return on Equity (ROE) | 9.7400% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.6116% | 1,513 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.0707% | 1,355 |
| Assets per employee ($millions) | 7.2421% | 1,794 |
| Cash dividends to net income (ytd only)* | 1.3170% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 1,834 |
| Loan loss allowance to noncurrent loans | 627.4011% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 2,338 |
| Noncurrent loans to loans | 0.2084% | 2,520 |
| Net loans and leases to total assets | 89.0400% | 56 |
| Net loans and leases to deposits | 100.5114% | 486 |
| Net loans and leases to core deposits | 113.5706% | 749 |
| Total domestic deposits to total assets | 88.5800% | 1,383 |
| Equity capital to assets | 7.9545% | 3,079 |
| Core capital (leverage) ratio | 8.5733% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6992% | 2,869 |
| Memoranda: | ||
| Average total assets | $186,755,750 | 3,083 |
| Average earning assets | $175,837,750 | 3,051 |
| Average equity | $14,551,500 | 3,303 |
| Average total loans | $164,650,250 | 2,569 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1466% | 1,026 |
| Cost of funding earning assets | 1.3723% | 1,088 |
| Net interest margin | 3.7744% | 1,737 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.9412% | 1,159 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.6009% | 3,688 |
| Return on assets (ROA) | 0.6009% | 3,651 |
| Pretax return on assets | 0.7910% | 3,484 |
| Return on Equity (ROE) | 7.7500% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.7519% | 2,303 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.5519% | 1,385 |
| Assets per employee ($millions) | 7.4447% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,071 |
| Loan loss allowance to noncurrent loans | 570.3504% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,187 |
| Noncurrent loans to loans | 0.2264% | 2,361 |
| Net loans and leases to total assets | 83.5600% | 267 |
| Net loans and leases to deposits | 93.4755% | 817 |
| Net loans and leases to core deposits | 105.4583% | 859 |
| Total domestic deposits to total assets | 89.3900% | 1,384 |
| Equity capital to assets | 7.4441% | 3,593 |
| Core capital (leverage) ratio | 8.5162% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $183,055,000 | 3,154 |
| Average earning assets | $171,684,500 | 3,131 |
| Average equity | $14,190,000 | 3,370 |
| Average total loans | $159,476,500 | 2,622 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 594 |
| Cost of funding earning assets | 0.5241% | 1,243 |
| Net interest margin | 4.0957% | 663 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 3.0993% | 835 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9457% | 2,789 |
| Return on assets (ROA) | 0.9457% | 2,730 |
| Pretax return on assets | 1.1923% | 2,463 |
| Return on Equity (ROE) | 10.8500% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.0582% | 2,219 |
| Net charge-offs to loans | -0.0044% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.8948% | 1,576 |
| Assets per employee ($millions) | 6.9019% | 2,042 |
| Cash dividends to net income (ytd only)* | 34.9437% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 1,969 |
| Loan loss allowance to noncurrent loans | 491.3793% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 1,968 |
| Noncurrent loans to loans | 0.2618% | 2,225 |
| Net loans and leases to total assets | 88.7300% | 56 |
| Net loans and leases to deposits | 100.6039% | 417 |
| Net loans and leases to core deposits | 114.2257% | 484 |
| Total domestic deposits to total assets | 88.2000% | 2,012 |
| Equity capital to assets | 8.0969% | 2,996 |
| Core capital (leverage) ratio | 8.8774% | 3,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $159,778,200 | 3,348 |
| Average earning assets | $150,159,200 | 3,329 |
| Average equity | $13,927,000 | 3,476 |
| Average total loans | $137,197,200 | 2,761 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 508 |
| Cost of funding earning assets | 0.3799% | 1,441 |
| Net interest margin | 4.1067% | 508 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.1071% | 778 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0303% | 2,361 |
| Return on assets (ROA) | 1.0303% | 2,330 |
| Pretax return on assets | 1.2849% | 2,094 |
| Return on Equity (ROE) | 11.5900% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.0637% | 1,629 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.4712% | 1,702 |
| Assets per employee ($millions) | 6.5636% | 2,273 |
| Cash dividends to net income (ytd only)* | 21.8182% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,046 |
| Loan loss allowance to noncurrent loans | 541.7867% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 2,189 |
| Noncurrent loans to loans | 0.2391% | 2,430 |
| Net loans and leases to total assets | 87.2900% | 82 |
| Net loans and leases to deposits | 102.4761% | 285 |
| Net loans and leases to core deposits | 112.1184% | 409 |
| Total domestic deposits to total assets | 85.1800% | 3,241 |
| Equity capital to assets | 8.4399% | 2,587 |
| Core capital (leverage) ratio | 9.2986% | 3,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $156,585,750 | 3,399 |
| Average earning assets | $146,715,750 | 3,378 |
| Average equity | $13,916,000 | 3,524 |
| Average total loans | $132,721,000 | 2,803 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 498 |
| Cost of funding earning assets | 0.3143% | 1,582 |
| Net interest margin | 4.0235% | 471 |
| Noninterest income to average assets | 0.5153% | 2,111 |
| Noninterest expense to average assets | 3.1217% | 709 |
| Loan and lease loss provision to assets | -0.0065% | 4,386 |
| Net operating income to assets | 0.8904% | 2,621 |
| Return on assets (ROA) | 0.8904% | 2,595 |
| Pretax return on assets | 1.1721% | 2,164 |
| Return on Equity (ROE) | 9.8434% | 2,389 |
| Retained earnings to average equity (ytd only) | 8.3080% | 1,509 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8126% | 1,651 |
| Assets per employee ($millions) | 6.6060% | 2,237 |
| Cash dividends to net income (ytd only)* | 15.5977% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,045 |
| Loan loss allowance to noncurrent loans | 828.1250% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,733 |
| Noncurrent loans to loans | 0.1607% | 2,893 |
| Net loans and leases to total assets | 86.7361% | 71 |
| Net loans and leases to deposits | 106.5513% | 129 |
| Net loans and leases to core deposits | 111.0883% | 332 |
| Total domestic deposits to total assets | 81.4032% | 4,079 |
| Equity capital to assets | 8.7263% | 2,595 |
| Core capital (leverage) ratio | 9.5571% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,084,333 | 3,459 |
| Average earning assets | $144,451,333 | 3,454 |
| Average equity | $13,938,333 | 3,590 |
| Average total loans | $128,588,667 | 2,861 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 610 |
| Cost of funding earning assets | 0.3062% | 1,597 |
| Net interest margin | 3.8175% | 618 |
| Noninterest income to average assets | 0.4294% | 2,500 |
| Noninterest expense to average assets | 3.0977% | 691 |
| Loan and lease loss provision to assets | 0.1765% | 433 |
| Net operating income to assets | 0.5611% | 3,520 |
| Return on assets (ROA) | 0.5611% | 3,497 |
| Pretax return on assets | 0.7349% | 3,295 |
| Return on Equity (ROE) | 6.0901% | 3,325 |
| Retained earnings to average equity (ytd only) | 6.0901% | 2,220 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2668% | 1,374 |
| Assets per employee ($millions) | 6.4173% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,436 |
| Loan loss allowance to noncurrent loans | 860.2679% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,777 |
| Noncurrent loans to loans | 0.1785% | 2,925 |
| Net loans and leases to total assets | 80.2280% | 230 |
| Net loans and leases to deposits | 94.7867% | 325 |
| Net loans and leases to core deposits | 99.3511% | 534 |
| Total domestic deposits to total assets | 84.6406% | 3,625 |
| Equity capital to assets | 8.9893% | 2,722 |
| Core capital (leverage) ratio | 9.3836% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,855,000 | 3,494 |
| Average earning assets | $142,396,500 | 3,487 |
| Average equity | $13,990,000 | 3,660 |
| Average total loans | $123,198,500 | 2,917 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 334 |
| Cost of funding earning assets | 0.3381% | 2,040 |
| Net interest margin | 4.5107% | 269 |
| Noninterest income to average assets | 0.5295% | 2,443 |
| Noninterest expense to average assets | 3.2313% | 694 |
| Loan and lease loss provision to assets | 0.2380% | 410 |
| Net operating income to assets | 1.0289% | 2,564 |
| Return on assets (ROA) | 1.0289% | 2,635 |
| Pretax return on assets | 1.3060% | 2,339 |
| Return on Equity (ROE) | 12.1122% | 1,776 |
| Retained earnings to average equity (ytd only) | 9.2214% | 1,128 |
| Net charge-offs to loans | 0.0636% | 1,151 |
| Credit loss provision to net charge-offs | 444.8718% | 862 |
| Earnings coverage of net charge-offs (x) | 28.8590% | 1,632 |
| Efficiency ratio | 67.6673% | 2,034 |
| Assets per employee ($millions) | 6.8043% | 2,064 |
| Cash dividends to net income (ytd only)* | 23.8667% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,432 |
| Loan loss allowance to noncurrent loans | 6,642.8571% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 3,948 |
| Noncurrent loans to loans | 0.0232% | 3,903 |
| Net loans and leases to total assets | 79.5262% | 292 |
| Net loans and leases to deposits | 94.7351% | 356 |
| Net loans and leases to core deposits | 99.1794% | 574 |
| Total domestic deposits to total assets | 83.9459% | 3,579 |
| Equity capital to assets | 9.4426% | 3,191 |
| Core capital (leverage) ratio | 9.4574% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,790,600 | 3,524 |
| Average earning assets | $137,228,400 | 3,505 |
| Average equity | $12,384,200 | 3,893 |
| Average total loans | $122,552,400 | 2,927 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 473 |
| Cost of funding earning assets | 0.3459% | 2,159 |
| Net interest margin | 4.3756% | 383 |
| Noninterest income to average assets | 0.5349% | 2,477 |
| Noninterest expense to average assets | 3.2556% | 641 |
| Loan and lease loss provision to assets | 0.2106% | 471 |
| Net operating income to assets | 0.9575% | 3,056 |
| Return on assets (ROA) | 0.9575% | 3,136 |
| Pretax return on assets | 1.1914% | 2,960 |
| Return on Equity (ROE) | 11.6070% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.9999% | 1,312 |
| Net charge-offs to loans | 0.0152% | 1,782 |
| Credit loss provision to net charge-offs | 1,635.7143% | 377 |
| Earnings coverage of net charge-offs (x) | 108.7857% | 827 |
| Efficiency ratio | 69.8952% | 1,613 |
| Assets per employee ($millions) | 6.5013% | 2,242 |
| Cash dividends to net income (ytd only)* | 13.8462% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,870 |
| Loan loss allowance to noncurrent loans | 426.9504% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 2,358 |
| Noncurrent loans to loans | 0.3361% | 2,579 |
| Net loans and leases to total assets | 82.9519% | 142 |
| Net loans and leases to deposits | 98.9762% | 248 |
| Net loans and leases to core deposits | 103.4503% | 473 |
| Total domestic deposits to total assets | 83.8099% | 3,508 |
| Equity capital to assets | 9.3139% | 3,545 |
| Core capital (leverage) ratio | 9.3439% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,814,750 | 3,570 |
| Average earning assets | $136,449,000 | 3,549 |
| Average equity | $11,946,500 | 3,990 |
| Average total loans | $122,964,000 | 2,965 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 570 |
| Cost of funding earning assets | 0.3531% | 2,289 |
| Net interest margin | 4.3044% | 490 |
| Noninterest income to average assets | 0.4817% | 2,710 |
| Noninterest expense to average assets | 3.1499% | 781 |
| Loan and lease loss provision to assets | 0.1536% | 768 |
| Net operating income to assets | 0.9341% | 3,117 |
| Return on assets (ROA) | 0.9341% | 3,197 |
| Pretax return on assets | 1.2287% | 2,835 |
| Return on Equity (ROE) | 11.8550% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.5792% | 1,222 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5009% | 1,705 |
| Assets per employee ($millions) | 5.6883% | 2,913 |
| Cash dividends to net income (ytd only)* | 10.7623% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,128 |
| Loan loss allowance to noncurrent loans | 443.8642% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 2,630 |
| Noncurrent loans to loans | 0.3074% | 2,824 |
| Net loans and leases to total assets | 83.0949% | 167 |
| Net loans and leases to deposits | 99.2449% | 280 |
| Net loans and leases to core deposits | 103.1275% | 560 |
| Total domestic deposits to total assets | 83.7271% | 3,518 |
| Equity capital to assets | 9.2146% | 3,594 |
| Core capital (leverage) ratio | 9.1868% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,243,000 | 3,597 |
| Average earning assets | $134,791,000 | 3,574 |
| Average equity | $11,286,333 | 4,067 |
| Average total loans | $122,004,000 | 2,991 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 466 |
| Cost of funding earning assets | 0.3681% | 2,368 |
| Net interest margin | 4.4656% | 379 |
| Noninterest income to average assets | 0.4371% | 2,884 |
| Noninterest expense to average assets | 3.0656% | 883 |
| Loan and lease loss provision to assets | 0.1590% | 801 |
| Net operating income to assets | 1.0730% | 2,559 |
| Return on assets (ROA) | 1.0730% | 2,643 |
| Pretax return on assets | 1.4136% | 2,247 |
| Return on Equity (ROE) | 14.9474% | 1,224 |
| Retained earnings to average equity (ytd only) | 14.9474% | 631 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0955% | 2,218 |
| Assets per employee ($millions) | 6.4153% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,350 |
| Loan loss allowance to noncurrent loans | 514.6875% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 3,065 |
| Noncurrent loans to loans | 0.2563% | 3,187 |
| Net loans and leases to total assets | 83.5101% | 168 |
| Net loans and leases to deposits | 97.0557% | 373 |
| Net loans and leases to core deposits | 101.1708% | 665 |
| Total domestic deposits to total assets | 86.0435% | 2,722 |
| Equity capital to assets | 6.9827% | 4,851 |
| Core capital (leverage) ratio | 7.4355% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1849% | 3,048 |
| Memoranda: | ||
| Average total assets | $140,916,500 | 3,629 |
| Average earning assets | $132,570,000 | 3,602 |
| Average equity | $10,115,500 | 4,202 |
| Average total loans | $120,709,000 | 3,009 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 751 |
| Cost of funding earning assets | 0.6420% | 2,047 |
| Net interest margin | 4.1493% | 713 |
| Noninterest income to average assets | 0.5195% | 2,547 |
| Noninterest expense to average assets | 2.8874% | 1,717 |
| Loan and lease loss provision to assets | 0.4824% | 539 |
| Net operating income to assets | 0.7951% | 3,113 |
| Return on assets (ROA) | 0.7951% | 3,229 |
| Pretax return on assets | 1.0383% | 2,918 |
| Return on Equity (ROE) | 10.4850% | 1,814 |
| Retained earnings to average equity (ytd only) | 7.3301% | 1,268 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5024% | 2,606 |
| Assets per employee ($millions) | 7.0675% | 1,534 |
| Cash dividends to net income (ytd only)* | 30.0894% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 2,122 |
| Loan loss allowance to noncurrent loans | 300.1887% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 2,404 |
| Noncurrent loans to loans | 0.4547% | 2,605 |
| Net loans and leases to total assets | 85.6109% | 110 |
| Net loans and leases to deposits | 100.6796% | 344 |
| Net loans and leases to core deposits | 105.4408% | 671 |
| Total domestic deposits to total assets | 85.0330% | 2,747 |
| Equity capital to assets | 7.3934% | 4,858 |
| Core capital (leverage) ratio | 7.3810% | 4,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2119% | 3,059 |
| Memoranda: | ||
| Average total assets | $126,652,800 | 3,671 |
| Average earning assets | $118,694,600 | 3,633 |
| Average equity | $9,604,200 | 4,235 |
| Average total loans | $107,364,000 | 3,134 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,167 |
| Cost of funding earning assets | 0.6961% | 2,044 |
| Net interest margin | 3.9614% | 1,209 |
| Noninterest income to average assets | 0.5419% | 2,417 |
| Noninterest expense to average assets | 2.8986% | 1,707 |
| Loan and lease loss provision to assets | 0.3976% | 892 |
| Net operating income to assets | 0.7257% | 3,368 |
| Return on assets (ROA) | 0.7257% | 3,466 |
| Pretax return on assets | 0.9502% | 3,236 |
| Return on Equity (ROE) | 9.5063% | 2,204 |
| Retained earnings to average equity (ytd only) | 7.0842% | 1,654 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2608% | 2,148 |
| Assets per employee ($millions) | 7.3334% | 1,309 |
| Cash dividends to net income (ytd only)* | 25.4786% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,132 |
| Loan loss allowance to noncurrent loans | 422.5000% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,218 |
| Noncurrent loans to loans | 0.2639% | 3,348 |
| Net loans and leases to total assets | 90.8304% | 30 |
| Net loans and leases to deposits | 110.2946% | 224 |
| Net loans and leases to core deposits | 116.3031% | 493 |
| Total domestic deposits to total assets | 82.3525% | 3,325 |
| Equity capital to assets | 7.3772% | 4,884 |
| Core capital (leverage) ratio | 7.3358% | 4,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6271% | 3,002 |
| Memoranda: | ||
| Average total assets | $124,745,500 | 3,684 |
| Average earning assets | $116,655,000 | 3,656 |
| Average equity | $9,523,250 | 4,263 |
| Average total loans | $105,067,250 | 3,174 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 1,482 |
| Cost of funding earning assets | 0.7461% | 2,148 |
| Net interest margin | 3.9214% | 1,523 |
| Noninterest income to average assets | 0.4954% | 2,595 |
| Noninterest expense to average assets | 2.8056% | 2,087 |
| Loan and lease loss provision to assets | 0.1733% | 2,277 |
| Net operating income to assets | 0.8976% | 2,698 |
| Return on assets (ROA) | 0.8976% | 2,819 |
| Pretax return on assets | 1.1772% | 2,441 |
| Return on Equity (ROE) | 11.6170% | 1,447 |
| Retained earnings to average equity (ytd only) | 9.4586% | 890 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5059% | 2,304 |
| Assets per employee ($millions) | 7.3820% | 1,227 |
| Cash dividends to net income (ytd only)* | 18.5792% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 4,028 |
| Loan loss allowance to noncurrent loans | 339.3750% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 3,356 |
| Noncurrent loans to loans | 0.2629% | 3,444 |
| Net loans and leases to total assets | 90.7884% | 20 |
| Net loans and leases to deposits | 110.3210% | 225 |
| Net loans and leases to core deposits | 116.5430% | 513 |
| Total domestic deposits to total assets | 82.2948% | 3,290 |
| Equity capital to assets | 7.2993% | 4,927 |
| Core capital (leverage) ratio | 7.4338% | 4,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1168% | 3,150 |
| Memoranda: | ||
| Average total assets | $122,326,667 | 3,697 |
| Average earning assets | $114,193,333 | 3,674 |
| Average equity | $9,451,667 | 4,287 |
| Average total loans | $99,673,000 | 3,236 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 1,389 |
| Cost of funding earning assets | 0.8540% | 2,096 |
| Net interest margin | 3.9572% | 1,507 |
| Noninterest income to average assets | 0.5126% | 2,487 |
| Noninterest expense to average assets | 3.0311% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8817% | 2,579 |
| Return on assets (ROA) | 0.8817% | 2,681 |
| Pretax return on assets | 1.1550% | 2,353 |
| Return on Equity (ROE) | 11.0635% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.0635% | 555 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4082% | 2,018 |
| Assets per employee ($millions) | 6.4744% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,139 |
| Loan loss allowance to noncurrent loans | 304.3478% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,348 |
| Noncurrent loans to loans | 0.3651% | 3,188 |
| Net loans and leases to total assets | 74.8299% | 1,479 |
| Net loans and leases to deposits | 89.9022% | 1,525 |
| Net loans and leases to core deposits | 95.6374% | 1,828 |
| Total domestic deposits to total assets | 83.2348% | 3,033 |
| Equity capital to assets | 8.1604% | 4,938 |
| Core capital (leverage) ratio | 8.0137% | 4,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4575% | 3,232 |
| Memoranda: | ||
| Average total assets | $117,052,000 | 3,750 |
| Average earning assets | $108,662,000 | 3,735 |
| Average equity | $9,328,000 | 4,326 |
| Average total loans | $88,648,500 | 3,426 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 1,513 |
| Cost of funding earning assets | 0.9237% | 2,094 |
| Net interest margin | 4.0646% | 1,638 |
| Noninterest income to average assets | 0.5546% | 2,447 |
| Noninterest expense to average assets | 3.1568% | 1,622 |
| Loan and lease loss provision to assets | 0.0902% | 2,217 |
| Net operating income to assets | 0.8207% | 3,487 |
| Return on assets (ROA) | 0.8207% | 3,579 |
| Pretax return on assets | 1.0802% | 3,234 |
| Return on Equity (ROE) | 10.5542% | 2,062 |
| Retained earnings to average equity (ytd only) | 8.4022% | 855 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9524% | 1,743 |
| Assets per employee ($millions) | 5.8783% | 1,734 |
| Cash dividends to net income (ytd only)* | 20.3895% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 2,957 |
| Loan loss allowance to noncurrent loans | 303.4056% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 3,328 |
| Noncurrent loans to loans | 0.3625% | 3,151 |
| Net loans and leases to total assets | 74.9636% | 1,594 |
| Net loans and leases to deposits | 89.5404% | 1,645 |
| Net loans and leases to core deposits | 95.6635% | 1,927 |
| Total domestic deposits to total assets | 83.7205% | 2,941 |
| Equity capital to assets | 7.7795% | 5,086 |
| Core capital (leverage) ratio | 8.0177% | 5,032 |
| Tier 1 risk-based capital ratio | 10.2082% | 5,089 |
| Total risk-based capital ratio | 11.3008% | 5,072 |
| Memoranda: | ||
| Average total assets | $106,374,000 | 3,889 |
| Average earning assets | $98,730,200 | 3,896 |
| Average equity | $8,271,600 | 4,477 |
| Average total loans | $84,991,200 | 3,506 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 1,489 |
| Cost of funding earning assets | 0.9284% | 2,089 |
| Net interest margin | 4.0912% | 1,638 |
| Noninterest income to average assets | 0.4982% | 2,741 |
| Noninterest expense to average assets | 3.1911% | 1,483 |
| Loan and lease loss provision to assets | 0.1236% | 1,580 |
| Net operating income to assets | 0.7582% | 3,822 |
| Return on assets (ROA) | 0.7582% | 3,887 |
| Pretax return on assets | 0.9899% | 3,624 |
| Return on Equity (ROE) | 9.7518% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.0299% | 1,377 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1328% | 1,546 |
| Assets per employee ($millions) | 5.6022% | 1,937 |
| Cash dividends to net income (ytd only)* | 17.6567% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,033 |
| Loan loss allowance to noncurrent loans | 70.3518% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2433% | 1,000 |
| Noncurrent loans to loans | 1.5635% | 949 |
| Net loans and leases to total assets | 78.6441% | 1,041 |
| Net loans and leases to deposits | 94.4417% | 1,185 |
| Net loans and leases to core deposits | 100.1671% | 1,646 |
| Total domestic deposits to total assets | 83.2726% | 3,071 |
| Equity capital to assets | 7.9380% | 5,144 |
| Core capital (leverage) ratio | 8.0349% | 5,112 |
| Tier 1 risk-based capital ratio | 10.1938% | 5,155 |
| Total risk-based capital ratio | 11.3149% | 5,116 |
| Memoranda: | ||
| Average total assets | $103,576,250 | 3,990 |
| Average earning assets | $96,368,000 | 3,977 |
| Average equity | $8,053,000 | 4,548 |
| Average total loans | $83,961,250 | 3,562 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 1,761 |
| Cost of funding earning assets | 0.8857% | 2,216 |
| Net interest margin | 4.0112% | 1,889 |
| Noninterest income to average assets | 0.5360% | 2,468 |
| Noninterest expense to average assets | 3.2177% | 1,464 |
| Loan and lease loss provision to assets | 0.0635% | 2,546 |
| Net operating income to assets | 0.7623% | 3,782 |
| Return on assets (ROA) | 0.7623% | 3,846 |
| Pretax return on assets | 0.9945% | 3,568 |
| Return on Equity (ROE) | 9.8808% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.0281% | 1,381 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2553% | 1,488 |
| Assets per employee ($millions) | 5.3252% | 2,125 |
| Cash dividends to net income (ytd only)* | 18.7500% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,116 |
| Loan loss allowance to noncurrent loans | 183.9357% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 2,663 |
| Noncurrent loans to loans | 0.5936% | 2,491 |
| Net loans and leases to total assets | 77.9060% | 1,241 |
| Net loans and leases to deposits | 93.5118% | 1,308 |
| Net loans and leases to core deposits | 98.3034% | 1,867 |
| Total domestic deposits to total assets | 83.3114% | 3,112 |
| Equity capital to assets | 7.4279% | 5,242 |
| Core capital (leverage) ratio | 7.5794% | 5,223 |
| Tier 1 risk-based capital ratio | 9.5223% | 5,274 |
| Total risk-based capital ratio | 10.6209% | 5,273 |
| Memoranda: | ||
| Average total assets | $100,753,670 | 4,059 |
| Average earning assets | $93,937,330 | 4,037 |
| Average equity | $7,772,670 | 4,613 |
| Average total loans | $82,249,670 | 3,614 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 1,544 |
| Cost of funding earning assets | 0.8435% | 2,309 |
| Net interest margin | 4.0771% | 1,617 |
| Noninterest income to average assets | 0.6253% | 1,937 |
| Noninterest expense to average assets | 3.1508% | 1,614 |
| Loan and lease loss provision to assets | 0.0286% | 3,040 |
| Net operating income to assets | 0.9440% | 3,072 |
| Return on assets (ROA) | 0.9440% | 3,114 |
| Pretax return on assets | 1.2383% | 2,671 |
| Return on Equity (ROE) | 11.9945% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.9945% | 609 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3228% | 2,142 |
| Assets per employee ($millions) | 5.0914% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,184 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,550 |
| Noncurrent loans to loans | 0.6458% | 2,400 |
| Net loans and leases to total assets | 79.4173% | 921 |
| Net loans and leases to deposits | 96.1730% | 950 |
| Net loans and leases to core deposits | 100.6146% | 1,564 |
| Total domestic deposits to total assets | 82.5775% | 3,552 |
| Equity capital to assets | 7.6924% | 5,239 |
| Core capital (leverage) ratio | 7.9843% | 5,211 |
| Tier 1 risk-based capital ratio | 10.0103% | 5,284 |
| Total risk-based capital ratio | 11.1403% | 5,261 |
| Memoranda: | ||
| Average total assets | $97,878,500 | 4,137 |
| Average earning assets | $91,046,000 | 4,124 |
| Average equity | $7,703,500 | 4,654 |
| Average total loans | $81,430,000 | 3,664 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 1,563 |
| Cost of funding earning assets | 0.4807% | 3,473 |
| Net interest margin | 4.3113% | 1,126 |
| Noninterest income to average assets | 0.4043% | 3,416 |
| Noninterest expense to average assets | 3.4338% | 1,098 |
| Loan and lease loss provision to assets | 0.1512% | 1,402 |
| Net operating income to assets | 0.6014% | 4,419 |
| Return on assets (ROA) | 0.6014% | 4,424 |
| Pretax return on assets | 0.7773% | 4,229 |
| Return on Equity (ROE) | 7.4053% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,160 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7163% | 1,062 |
| Assets per employee ($millions) | 4.6965% | 2,885 |
| Cash dividends to net income (ytd only)* | 18.0633% | 3,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0900% | 3,172 |
| Loan loss allowance to noncurrent loans | 7,366.6667% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,840 |
| Noncurrent loans to loans | 0.0148% | 4,731 |
| Net loans and leases to total assets | 85.4007% | 279 |
| Net loans and leases to deposits | 104.6783% | 448 |
| Net loans and leases to core deposits | 109.9814% | 1,004 |
| Total domestic deposits to total assets | 81.5840% | 3,766 |
| Equity capital to assets | 8.0635% | 5,138 |
| Core capital (leverage) ratio | 8.1789% | 5,178 |
| Tier 1 risk-based capital ratio | 10.0018% | 5,304 |
| Total risk-based capital ratio | 11.1558% | 5,284 |
| Memoranda: | ||
| Average total assets | $89,287,600 | 4,281 |
| Average earning assets | $81,970,800 | 4,286 |
| Average equity | $7,251,600 | 4,714 |
| Average total loans | $74,302,600 | 3,784 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,769 |
| Cost of funding earning assets | 0.4056% | 3,819 |
| Net interest margin | 4.2636% | 1,199 |
| Noninterest income to average assets | 0.4039% | 3,458 |
| Noninterest expense to average assets | 3.4041% | 1,111 |
| Loan and lease loss provision to assets | 0.1649% | 1,148 |
| Net operating income to assets | 0.5749% | 4,572 |
| Return on assets (ROA) | 0.5749% | 4,578 |
| Pretax return on assets | 0.7474% | 4,431 |
| Return on Equity (ROE) | 7.0653% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.2658% | 2,509 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8644% | 1,037 |
| Assets per employee ($millions) | 5.0685% | 2,376 |
| Cash dividends to net income (ytd only)* | 11.3155% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,254 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,941 |
| Noncurrent loans to loans | 0.0165% | 4,840 |
| Net loans and leases to total assets | 80.9163% | 882 |
| Net loans and leases to deposits | 98.6155% | 898 |
| Net loans and leases to core deposits | 102.1954% | 1,596 |
| Total domestic deposits to total assets | 82.0523% | 3,596 |
| Equity capital to assets | 7.5897% | 5,290 |
| Core capital (leverage) ratio | 8.3456% | 5,178 |
| Tier 1 risk-based capital ratio | 9.9813% | 5,381 |
| Total risk-based capital ratio | 11.1350% | 5,357 |
| Memoranda: | ||
| Average total assets | $88,127,250 | 4,345 |
| Average earning assets | $80,868,000 | 4,352 |
| Average equity | $7,171,000 | 4,770 |
| Average total loans | $72,603,250 | 3,853 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 1,524 |
| Cost of funding earning assets | 0.3868% | 3,826 |
| Net interest margin | 4.3061% | 1,021 |
| Noninterest income to average assets | 0.4215% | 3,342 |
| Noninterest expense to average assets | 3.5034% | 991 |
| Loan and lease loss provision to assets | 0.0796% | 2,313 |
| Net operating income to assets | 0.5972% | 4,504 |
| Return on assets (ROA) | 0.5972% | 4,507 |
| Pretax return on assets | 0.7752% | 4,319 |
| Return on Equity (ROE) | 7.1579% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.5404% | 2,290 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3869% | 971 |
| Assets per employee ($millions) | 4.7624% | 2,729 |
| Cash dividends to net income (ytd only)* | 8.6275% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 3,345 |
| Loan loss allowance to noncurrent loans | 5,592.8571% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,953 |
| Noncurrent loans to loans | 0.0194% | 4,851 |
| Net loans and leases to total assets | 83.1249% | 566 |
| Net loans and leases to deposits | 96.8930% | 1,050 |
| Net loans and leases to core deposits | 99.6239% | 1,763 |
| Total domestic deposits to total assets | 85.7904% | 2,379 |
| Equity capital to assets | 8.4060% | 5,010 |
| Core capital (leverage) ratio | 8.5591% | 5,068 |
| Tier 1 risk-based capital ratio | 10.7342% | 5,176 |
| Total risk-based capital ratio | 11.8826% | 5,113 |
| Memoranda: | ||
| Average total assets | $85,402,330 | 4,421 |
| Average earning assets | $78,075,000 | 4,435 |
| Average equity | $7,125,000 | 4,828 |
| Average total loans | $70,543,670 | 3,921 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 1,225 |
| Cost of funding earning assets | 0.3638% | 3,885 |
| Net interest margin | 4.3706% | 816 |
| Noninterest income to average assets | 0.4036% | 3,441 |
| Noninterest expense to average assets | 3.3364% | 1,278 |
| Loan and lease loss provision to assets | 0.0892% | 2,019 |
| Net operating income to assets | 0.7555% | 3,891 |
| Return on assets (ROA) | 0.7555% | 3,890 |
| Pretax return on assets | 0.9807% | 3,600 |
| Return on Equity (ROE) | 9.0903% | 2,869 |
| Retained earnings to average equity (ytd only) | 9.0903% | 1,428 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7188% | 1,634 |
| Assets per employee ($millions) | 4.8130% | 2,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,467 |
| Loan loss allowance to noncurrent loans | 5,120.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 5,034 |
| Noncurrent loans to loans | 0.0212% | 4,888 |
| Net loans and leases to total assets | 80.6612% | 842 |
| Net loans and leases to deposits | 93.8175% | 1,239 |
| Net loans and leases to core deposits | 98.5377% | 1,801 |
| Total domestic deposits to total assets | 85.9766% | 2,550 |
| Equity capital to assets | 8.2416% | 5,152 |
| Core capital (leverage) ratio | 8.5664% | 5,092 |
| Tier 1 risk-based capital ratio | 10.7692% | 5,259 |
| Total risk-based capital ratio | 11.9104% | 5,198 |
| Memoranda: | ||
| Average total assets | $85,241,500 | 4,469 |
| Average earning assets | $78,067,500 | 4,489 |
| Average equity | $7,084,500 | 4,883 |
| Average total loans | $69,795,000 | 3,973 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3971% | 2,031 |
| Cost of funding earning assets | 0.3411% | 3,790 |
| Net interest margin | 4.0560% | 1,573 |
| Noninterest income to average assets | 0.4152% | 3,529 |
| Noninterest expense to average assets | 3.4729% | 1,085 |
| Loan and lease loss provision to assets | 0.1150% | 1,975 |
| Net operating income to assets | 0.3571% | 4,812 |
| Return on assets (ROA) | 0.3571% | 4,832 |
| Pretax return on assets | 0.5411% | 4,863 |
| Return on Equity (ROE) | 4.2342% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.9855% | 3,514 |
| Net charge-offs to loans | 0.1749% | 1,421 |
| Credit loss provision to net charge-offs | 82.6087% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.7130% | 3,424 |
| Efficiency ratio | 84.1102% | 759 |
| Assets per employee ($millions) | 4.4131% | 3,330 |
| Cash dividends to net income (ytd only)* | 29.4915% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0864% | 3,423 |
| Loan loss allowance to noncurrent loans | 4,681.2500% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,064 |
| Noncurrent loans to loans | 0.0232% | 4,913 |
| Net loans and leases to total assets | 81.3283% | 771 |
| Net loans and leases to deposits | 94.8165% | 1,189 |
| Net loans and leases to core deposits | 97.8112% | 1,871 |
| Total domestic deposits to total assets | 85.7744% | 2,544 |
| Equity capital to assets | 8.3829% | 5,202 |
| Core capital (leverage) ratio | 8.5185% | 5,124 |
| Tier 1 risk-based capital ratio | 11.0605% | 5,108 |
| Total risk-based capital ratio | 12.2296% | 5,036 |
| Memoranda: | ||
| Average total assets | $82,610,600 | 4,542 |
| Average earning assets | $75,640,200 | 4,546 |
| Average equity | $6,967,000 | 4,943 |
| Average total loans | $65,734,400 | 4,058 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 2,131 |
| Cost of funding earning assets | 0.3415% | 3,754 |
| Net interest margin | 4.0010% | 1,700 |
| Noninterest income to average assets | 0.4115% | 3,612 |
| Noninterest expense to average assets | 3.4085% | 1,143 |
| Loan and lease loss provision to assets | 0.1539% | 1,346 |
| Net operating income to assets | 0.3256% | 5,168 |
| Return on assets (ROA) | 0.3256% | 5,192 |
| Pretax return on assets | 0.5119% | 5,007 |
| Return on Equity (ROE) | 3.8551% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.0304% | 4,104 |
| Net charge-offs to loans | 0.2361% | 906 |
| Credit loss provision to net charge-offs | 82.6087% | 2,546 |
| Earnings coverage of net charge-offs (x) | 3.5739% | 3,323 |
| Efficiency ratio | 83.6581% | 781 |
| Assets per employee ($millions) | 4.5394% | 3,071 |
| Cash dividends to net income (ytd only)* | 21.3926% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,476 |
| Loan loss allowance to noncurrent loans | 4,993.3333% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 5,161 |
| Noncurrent loans to loans | 0.0221% | 5,026 |
| Net loans and leases to total assets | 82.3336% | 629 |
| Net loans and leases to deposits | 94.8804% | 1,212 |
| Net loans and leases to core deposits | 98.7218% | 1,827 |
| Total domestic deposits to total assets | 86.7762% | 1,966 |
| Equity capital to assets | 8.5645% | 5,246 |
| Core capital (leverage) ratio | 8.5202% | 5,233 |
| Tier 1 risk-based capital ratio | 11.0775% | 5,200 |
| Total risk-based capital ratio | 12.2632% | 5,129 |
| Memoranda: | ||
| Average total assets | $82,301,000 | 4,593 |
| Average earning assets | $75,345,500 | 4,599 |
| Average equity | $6,951,500 | 5,004 |
| Average total loans | $64,932,500 | 4,104 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,218 |
| Cost of funding earning assets | 0.3346% | 3,753 |
| Net interest margin | 3.9383% | 1,814 |
| Noninterest income to average assets | 0.3955% | 3,722 |
| Noninterest expense to average assets | 3.4383% | 1,101 |
| Loan and lease loss provision to assets | 0.0170% | 3,620 |
| Net operating income to assets | 0.3543% | 5,082 |
| Return on assets (ROA) | 0.3543% | 5,106 |
| Pretax return on assets | 0.5387% | 4,937 |
| Return on Equity (ROE) | 4.2097% | 4,765 |
| Retained earnings to average equity (ytd only) | 3.5754% | 3,577 |
| Net charge-offs to loans | 0.3603% | 564 |
| Credit loss provision to net charge-offs | 6.0870% | 2,877 |
| Earnings coverage of net charge-offs (x) | 1.9913% | 3,221 |
| Efficiency ratio | 86.0875% | 684 |
| Assets per employee ($millions) | 4.5181% | 3,074 |
| Cash dividends to net income (ytd only)* | 15.0685% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,969 |
| Loan loss allowance to noncurrent loans | 1,786.4865% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,053 |
| Noncurrent loans to loans | 0.0576% | 4,899 |
| Net loans and leases to total assets | 78.1681% | 1,223 |
| Net loans and leases to deposits | 90.0350% | 1,724 |
| Net loans and leases to core deposits | 93.2769% | 2,217 |
| Total domestic deposits to total assets | 86.8197% | 2,032 |
| Equity capital to assets | 8.5680% | 5,254 |
| Core capital (leverage) ratio | 8.4856% | 5,227 |
| Tier 1 risk-based capital ratio | 11.4737% | 4,968 |
| Total risk-based capital ratio | 12.5622% | 4,968 |
| Memoranda: | ||
| Average total assets | $82,424,000 | 4,622 |
| Average earning assets | $75,312,330 | 4,629 |
| Average equity | $6,936,330 | 5,036 |
| Average total loans | $63,827,670 | 4,151 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1473% | 2,484 |
| Cost of funding earning assets | 0.3316% | 3,736 |
| Net interest margin | 3.8158% | 2,064 |
| Noninterest income to average assets | 0.3857% | 3,769 |
| Noninterest expense to average assets | 3.3408% | 1,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3567% | 5,057 |
| Return on assets (ROA) | 0.3567% | 5,078 |
| Pretax return on assets | 0.5399% | 4,868 |
| Return on Equity (ROE) | 4.2771% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.2771% | 3,299 |
| Net charge-offs to loans | 0.0189% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 1,079 |
| Efficiency ratio | 86.0870% | 800 |
| Assets per employee ($millions) | 4.6006% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,014 |
| Loan loss allowance to noncurrent loans | 430.3371% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 4,360 |
| Noncurrent loans to loans | 0.2833% | 4,104 |
| Net loans and leases to total assets | 74.9475% | 1,588 |
| Net loans and leases to deposits | 86.1043% | 2,022 |
| Net loans and leases to core deposits | 89.8359% | 2,363 |
| Total domestic deposits to total assets | 87.0426% | 2,195 |
| Equity capital to assets | 8.3516% | 5,328 |
| Core capital (leverage) ratio | 8.4651% | 5,249 |
| Tier 1 risk-based capital ratio | 11.6004% | 4,974 |
| Total risk-based capital ratio | 12.8509% | 4,872 |
| Memoranda: | ||
| Average total assets | $82,973,000 | 4,659 |
| Average earning assets | $76,000,500 | 4,654 |
| Average equity | $6,920,500 | 5,079 |
| Average total loans | $63,625,500 | 4,190 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 1,514 |
| Cost of funding earning assets | 0.3366% | 3,673 |
| Net interest margin | 4.1705% | 1,184 |
| Noninterest income to average assets | 0.4174% | 3,761 |
| Noninterest expense to average assets | 3.4866% | 1,191 |
| Loan and lease loss provision to assets | 0.0223% | 3,927 |
| Net operating income to assets | 0.4868% | 4,680 |
| Return on assets (ROA) | 0.4868% | 4,760 |
| Pretax return on assets | 0.7147% | 4,442 |
| Return on Equity (ROE) | 5.7554% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.4666% | 2,733 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5513% | 1,137 |
| Assets per employee ($millions) | 4.6187% | 2,930 |
| Cash dividends to net income (ytd only)* | 22.3919% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 3,159 |
| Loan loss allowance to noncurrent loans | 217.8470% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,573 |
| Noncurrent loans to loans | 0.5480% | 3,202 |
| Net loans and leases to total assets | 76.5637% | 1,429 |
| Net loans and leases to deposits | 87.7233% | 1,958 |
| Net loans and leases to core deposits | 91.2299% | 2,369 |
| Total domestic deposits to total assets | 87.2787% | 1,989 |
| Equity capital to assets | 8.3297% | 5,403 |
| Core capital (leverage) ratio | 8.3649% | 5,393 |
| Tier 1 risk-based capital ratio | 11.2677% | 5,185 |
| Total risk-based capital ratio | 12.5189% | 5,086 |
| Memoranda: | ||
| Average total assets | $80,738,000 | 4,723 |
| Average earning assets | $73,684,000 | 4,723 |
| Average equity | $6,828,400 | 5,126 |
| Average total loans | $66,090,000 | 4,139 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,647 |
| Cost of funding earning assets | 0.3346% | 3,722 |
| Net interest margin | 4.1319% | 1,302 |
| Noninterest income to average assets | 0.3976% | 3,937 |
| Noninterest expense to average assets | 3.4556% | 1,234 |
| Loan and lease loss provision to assets | 0.0299% | 3,641 |
| Net operating income to assets | 0.4642% | 4,822 |
| Return on assets (ROA) | 0.4642% | 4,899 |
| Pretax return on assets | 0.6721% | 4,685 |
| Return on Equity (ROE) | 5.4670% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.6049% | 3,078 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1132% | 1,062 |
| Assets per employee ($millions) | 4.7873% | 2,629 |
| Cash dividends to net income (ytd only)* | 15.7719% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 3,475 |
| Loan loss allowance to noncurrent loans | 280.6569% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3367% | 4,059 |
| Noncurrent loans to loans | 0.4140% | 3,791 |
| Net loans and leases to total assets | 80.3844% | 837 |
| Net loans and leases to deposits | 92.4926% | 1,433 |
| Net loans and leases to core deposits | 95.9322% | 1,993 |
| Total domestic deposits to total assets | 86.9090% | 1,927 |
| Equity capital to assets | 8.4857% | 5,539 |
| Core capital (leverage) ratio | 8.6316% | 5,229 |
| Tier 1 risk-based capital ratio | 11.1688% | 5,276 |
| Total risk-based capital ratio | 12.4125% | 5,191 |
| Memoranda: | ||
| Average total assets | $80,138,500 | 4,773 |
| Average earning assets | $72,927,250 | 4,776 |
| Average equity | $6,804,250 | 5,175 |
| Average total loans | $66,507,250 | 4,156 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 1,449 |
| Cost of funding earning assets | 0.3398% | 3,686 |
| Net interest margin | 4.1854% | 1,151 |
| Noninterest income to average assets | 0.4064% | 3,827 |
| Noninterest expense to average assets | 3.4419% | 1,287 |
| Loan and lease loss provision to assets | 0.0452% | 3,247 |
| Net operating income to assets | 0.4792% | 4,770 |
| Return on assets (ROA) | 0.4792% | 4,869 |
| Pretax return on assets | 0.7200% | 4,556 |
| Return on Equity (ROE) | 5.6423% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.9924% | 2,746 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8128% | 1,290 |
| Assets per employee ($millions) | 4.1342% | 3,680 |
| Cash dividends to net income (ytd only)* | 11.5183% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,614 |
| Loan loss allowance to noncurrent loans | 1,281.6667% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 5,226 |
| Noncurrent loans to loans | 0.0901% | 5,094 |
| Net loans and leases to total assets | 83.8218% | 436 |
| Net loans and leases to deposits | 96.8564% | 980 |
| Net loans and leases to core deposits | 99.1193% | 1,708 |
| Total domestic deposits to total assets | 86.5423% | 2,141 |
| Equity capital to assets | 8.7447% | 5,444 |
| Core capital (leverage) ratio | 8.5740% | 5,290 |
| Tier 1 risk-based capital ratio | 11.1731% | 5,330 |
| Total risk-based capital ratio | 12.4240% | 5,248 |
| Memoranda: | ||
| Average total assets | $79,723,330 | 4,822 |
| Average earning assets | $72,395,330 | 4,833 |
| Average equity | $6,770,330 | 5,230 |
| Average total loans | $66,613,330 | 4,181 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5309% | 1,425 |
| Cost of funding earning assets | 0.3397% | 3,722 |
| Net interest margin | 4.1913% | 1,116 |
| Noninterest income to average assets | 0.4084% | 3,764 |
| Noninterest expense to average assets | 3.5662% | 1,070 |
| Loan and lease loss provision to assets | 0.0897% | 2,183 |
| Net operating income to assets | 0.3337% | 5,200 |
| Return on assets (ROA) | 0.3337% | 5,285 |
| Pretax return on assets | 0.5628% | 4,915 |
| Return on Equity (ROE) | 3.9875% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.9875% | 3,498 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5336% | 1,106 |
| Assets per employee ($millions) | 4.4429% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 3,780 |
| Loan loss allowance to noncurrent loans | 1,260.6557% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 5,273 |
| Noncurrent loans to loans | 0.0911% | 5,110 |
| Net loans and leases to total assets | 82.8052% | 468 |
| Net loans and leases to deposits | 95.3341% | 1,003 |
| Net loans and leases to core deposits | 98.5725% | 1,596 |
| Total domestic deposits to total assets | 86.8579% | 2,271 |
| Equity capital to assets | 8.4567% | 5,594 |
| Core capital (leverage) ratio | 8.4513% | 5,438 |
| Tier 1 risk-based capital ratio | 11.0319% | 5,485 |
| Total risk-based capital ratio | 12.2816% | 5,397 |
| Memoranda: | ||
| Average total assets | $80,310,000 | 4,848 |
| Average earning assets | $73,009,000 | 4,862 |
| Average equity | $6,721,000 | 5,282 |
| Average total loans | $66,614,500 | 4,204 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 1,580 |
| Cost of funding earning assets | 0.3665% | 3,520 |
| Net interest margin | 4.1378% | 1,314 |
| Noninterest income to average assets | 0.6647% | 2,379 |
| Noninterest expense to average assets | 3.5539% | 1,203 |
| Loan and lease loss provision to assets | 0.1178% | 2,020 |
| Net operating income to assets | 0.4770% | 4,782 |
| Return on assets (ROA) | 0.4931% | 4,811 |
| Pretax return on assets | 0.7479% | 4,373 |
| Return on Equity (ROE) | 5.8813% | 4,085 |
| Retained earnings to average equity (ytd only) | 4.5370% | 2,757 |
| Net charge-offs to loans | -0.0121% | 5,155 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8566% | 1,554 |
| Assets per employee ($millions) | 4.0324% | 3,874 |
| Cash dividends to net income (ytd only)* | 22.8571% | 3,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 3,843 |
| Loan loss allowance to noncurrent loans | 3,265.2174% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 5,581 |
| Noncurrent loans to loans | 0.0347% | 5,377 |
| Net loans and leases to total assets | 81.2023% | 671 |
| Net loans and leases to deposits | 93.1988% | 1,289 |
| Net loans and leases to core deposits | 96.3229% | 1,814 |
| Total domestic deposits to total assets | 87.1280% | 2,061 |
| Equity capital to assets | 8.2817% | 5,717 |
| Core capital (leverage) ratio | 8.3050% | 5,600 |
| Tier 1 risk-based capital ratio | 11.3782% | 5,324 |
| Total risk-based capital ratio | 12.6286% | 5,220 |
| Memoranda: | ||
| Average total assets | $78,082,400 | 4,910 |
| Average earning assets | $70,399,000 | 4,926 |
| Average equity | $6,546,200 | 5,338 |
| Average total loans | $66,340,000 | 4,184 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 1,402 |
| Cost of funding earning assets | 0.3681% | 3,569 |
| Net interest margin | 4.2064% | 1,151 |
| Noninterest income to average assets | 0.6904% | 2,279 |
| Noninterest expense to average assets | 3.6121% | 1,098 |
| Loan and lease loss provision to assets | 0.1377% | 1,619 |
| Net operating income to assets | 0.4743% | 4,876 |
| Return on assets (ROA) | 0.4958% | 4,895 |
| Pretax return on assets | 0.7507% | 4,491 |
| Return on Equity (ROE) | 5.8957% | 4,199 |
| Retained earnings to average equity (ytd only) | 4.9951% | 2,923 |
| Net charge-offs to loans | -0.0161% | 5,130 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8478% | 1,540 |
| Assets per employee ($millions) | 4.0458% | 3,810 |
| Cash dividends to net income (ytd only)* | 15.2790% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 4,197 |
| Loan loss allowance to noncurrent loans | 3,213.0435% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 5,674 |
| Noncurrent loans to loans | 0.0344% | 5,486 |
| Net loans and leases to total assets | 81.7438% | 605 |
| Net loans and leases to deposits | 93.9051% | 1,217 |
| Net loans and leases to core deposits | 97.0394% | 1,787 |
| Total domestic deposits to total assets | 87.0494% | 2,014 |
| Equity capital to assets | 8.2000% | 5,873 |
| Core capital (leverage) ratio | 8.3634% | 5,662 |
| Tier 1 risk-based capital ratio | 11.2267% | 5,539 |
| Total risk-based capital ratio | 12.4772% | 5,432 |
| Memoranda: | ||
| Average total assets | $77,441,000 | 4,976 |
| Average earning assets | $69,542,500 | 5,007 |
| Average equity | $6,513,000 | 5,410 |
| Average total loans | $66,365,250 | 4,229 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6173% | 1,237 |
| Cost of funding earning assets | 0.3714% | 3,583 |
| Net interest margin | 4.2460% | 1,018 |
| Noninterest income to average assets | 0.7865% | 1,840 |
| Noninterest expense to average assets | 3.6076% | 1,114 |
| Loan and lease loss provision to assets | 0.1626% | 1,305 |
| Net operating income to assets | 0.5392% | 4,614 |
| Return on assets (ROA) | 0.5716% | 4,567 |
| Pretax return on assets | 0.8731% | 4,059 |
| Return on Equity (ROE) | 6.7364% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.0566% | 2,210 |
| Net charge-offs to loans | -0.0091% | 4,896 |
| Credit loss provision to net charge-offs | -2,066.6667% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5388% | 1,985 |
| Assets per employee ($millions) | 4.3342% | 3,240 |
| Cash dividends to net income (ytd only)* | 10.0917% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,603 |
| Loan loss allowance to noncurrent loans | 2,983.3333% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 5,748 |
| Noncurrent loans to loans | 0.0352% | 5,608 |
| Net loans and leases to total assets | 86.4308% | 215 |
| Net loans and leases to deposits | 99.7367% | 682 |
| Net loans and leases to core deposits | 103.2050% | 1,247 |
| Total domestic deposits to total assets | 86.6590% | 2,339 |
| Equity capital to assets | 8.4163% | 5,746 |
| Core capital (leverage) ratio | 8.4281% | 5,597 |
| Tier 1 risk-based capital ratio | 10.6054% | 5,882 |
| Total risk-based capital ratio | 11.7619% | 5,859 |
| Memoranda: | ||
| Average total assets | $76,283,000 | 5,048 |
| Average earning assets | $68,394,330 | 5,080 |
| Average equity | $6,472,330 | 5,456 |
| Average total loans | $66,193,000 | 4,268 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,211 |
| Cost of funding earning assets | 0.3687% | 3,662 |
| Net interest margin | 4.2341% | 1,004 |
| Noninterest income to average assets | 0.8062% | 1,692 |
| Noninterest expense to average assets | 3.7816% | 898 |
| Loan and lease loss provision to assets | 0.1167% | 1,766 |
| Net operating income to assets | 0.4480% | 4,883 |
| Return on assets (ROA) | 0.5145% | 4,724 |
| Pretax return on assets | 0.7850% | 4,295 |
| Return on Equity (ROE) | 6.0384% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.0384% | 2,478 |
| Net charge-offs to loans | -0.0123% | 4,813 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5231% | 1,558 |
| Assets per employee ($millions) | 4.2637% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 4,878 |
| Loan loss allowance to noncurrent loans | 326.0870% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 2,783 |
| Noncurrent loans to loans | 0.3154% | 4,662 |
| Net loans and leases to total assets | 84.6442% | 275 |
| Net loans and leases to deposits | 97.8166% | 689 |
| Net loans and leases to core deposits | 101.9252% | 1,184 |
| Total domestic deposits to total assets | 86.5335% | 2,647 |
| Equity capital to assets | 8.4278% | 5,785 |
| Core capital (leverage) ratio | 8.3738% | 5,664 |
| Tier 1 risk-based capital ratio | 10.2676% | 6,092 |
| Total risk-based capital ratio | 11.3396% | 6,093 |
| Memoranda: | ||
| Average total assets | $75,417,000 | 5,124 |
| Average earning assets | $67,263,500 | 5,162 |
| Average equity | $6,425,500 | 5,511 |
| Average total loans | $65,217,000 | 4,319 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,600 |
| Cost of funding earning assets | 0.3877% | 3,823 |
| Net interest margin | 4.1990% | 1,303 |
| Noninterest income to average assets | 0.6432% | 2,601 |
| Noninterest expense to average assets | 3.7154% | 1,120 |
| Loan and lease loss provision to assets | 0.0671% | 3,153 |
| Net operating income to assets | 0.4377% | 5,081 |
| Return on assets (ROA) | 0.4377% | 5,170 |
| Pretax return on assets | 0.6321% | 4,833 |
| Return on Equity (ROE) | 5.0002% | 4,665 |
| Retained earnings to average equity (ytd only) | 3.5944% | 3,660 |
| Net charge-offs to loans | 0.1153% | 2,879 |
| Credit loss provision to net charge-offs | 69.5652% | 3,090 |
| Earnings coverage of net charge-offs (x) | 7.2464% | 3,060 |
| Efficiency ratio | 84.1622% | 1,393 |
| Assets per employee ($millions) | 4.1160% | 3,692 |
| Cash dividends to net income (ytd only)* | 28.1150% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 5,017 |
| Loan loss allowance to noncurrent loans | 2,411.1111% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 3,426 |
| Noncurrent loans to loans | 0.0417% | 5,708 |
| Net loans and leases to total assets | 86.5822% | 174 |
| Net loans and leases to deposits | 101.4663% | 542 |
| Net loans and leases to core deposits | 106.0316% | 1,019 |
| Total domestic deposits to total assets | 85.3310% | 3,148 |
| Equity capital to assets | 8.6154% | 5,636 |
| Core capital (leverage) ratio | 8.7443% | 5,299 |
| Tier 1 risk-based capital ratio | 10.5184% | 6,093 |
| Total risk-based capital ratio | 11.5939% | 6,114 |
| Memoranda: | ||
| Average total assets | $71,513,000 | 5,244 |
| Average earning assets | $64,229,800 | 5,273 |
| Average equity | $6,259,800 | 5,567 |
| Average total loans | $59,820,600 | 4,496 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 1,768 |
| Cost of funding earning assets | 0.3862% | 3,943 |
| Net interest margin | 4.1437% | 1,451 |
| Noninterest income to average assets | 0.6284% | 2,699 |
| Noninterest expense to average assets | 3.7552% | 1,031 |
| Loan and lease loss provision to assets | 0.0677% | 2,989 |
| Net operating income to assets | 0.3800% | 5,321 |
| Return on assets (ROA) | 0.3800% | 5,398 |
| Pretax return on assets | 0.5400% | 5,208 |
| Return on Equity (ROE) | 4.3238% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.3819% | 4,213 |
| Net charge-offs to loans | 0.0319% | 3,849 |
| Credit loss provision to net charge-offs | 257.1429% | 1,026 |
| Earnings coverage of net charge-offs (x) | 23.0670% | 1,605 |
| Efficiency ratio | 86.0716% | 1,177 |
| Assets per employee ($millions) | 4.0127% | 3,849 |
| Cash dividends to net income (ytd only)* | 21.7837% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 4,554 |
| Loan loss allowance to noncurrent loans | 134.4961% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 3,675 |
| Noncurrent loans to loans | 0.8483% | 3,448 |
| Net loans and leases to total assets | 83.2491% | 378 |
| Net loans and leases to deposits | 95.7073% | 906 |
| Net loans and leases to core deposits | 99.3342% | 1,427 |
| Total domestic deposits to total assets | 86.9831% | 2,331 |
| Equity capital to assets | 8.7458% | 5,597 |
| Core capital (leverage) ratio | 8.7905% | 5,351 |
| Tier 1 risk-based capital ratio | 10.9871% | 5,996 |
| Total risk-based capital ratio | 12.1974% | 5,965 |
| Memoranda: | ||
| Average total assets | $70,869,250 | 5,321 |
| Average earning assets | $63,869,750 | 5,341 |
| Average equity | $6,229,000 | 5,635 |
| Average total loans | $58,576,250 | 4,572 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 2,039 |
| Cost of funding earning assets | 0.3896% | 3,998 |
| Net interest margin | 4.0499% | 1,664 |
| Noninterest income to average assets | 0.6447% | 2,578 |
| Noninterest expense to average assets | 3.7065% | 1,129 |
| Loan and lease loss provision to assets | 0.0682% | 2,905 |
| Net operating income to assets | 0.3749% | 5,311 |
| Return on assets (ROA) | 0.3749% | 5,378 |
| Pretax return on assets | 0.5311% | 5,189 |
| Return on Equity (ROE) | 4.2583% | 5,037 |
| Retained earnings to average equity (ytd only) | 3.7099% | 3,833 |
| Net charge-offs to loans | -0.0035% | 5,119 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0818% | 1,263 |
| Assets per employee ($millions) | 3.5610% | 4,740 |
| Cash dividends to net income (ytd only)* | 12.8788% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 4,543 |
| Loan loss allowance to noncurrent loans | 134.5560% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 3,799 |
| Noncurrent loans to loans | 0.8724% | 3,516 |
| Net loans and leases to total assets | 82.3912% | 431 |
| Net loans and leases to deposits | 93.9826% | 960 |
| Net loans and leases to core deposits | 95.5637% | 1,641 |
| Total domestic deposits to total assets | 87.6664% | 2,106 |
| Equity capital to assets | 8.7925% | 5,528 |
| Core capital (leverage) ratio | 8.8515% | 5,227 |
| Tier 1 risk-based capital ratio | 11.2069% | 5,950 |
| Total risk-based capital ratio | 12.4565% | 5,894 |
| Memoranda: | ||
| Average total assets | $70,416,000 | 5,379 |
| Average earning assets | $63,656,330 | 5,397 |
| Average equity | $6,199,670 | 5,678 |
| Average total loans | $57,827,000 | 4,621 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4539% | 1,948 |
| Cost of funding earning assets | 0.3928% | 4,056 |
| Net interest margin | 4.0611% | 1,569 |
| Noninterest income to average assets | 0.6456% | 2,485 |
| Noninterest expense to average assets | 3.8735% | 899 |
| Loan and lease loss provision to assets | 0.0686% | 2,760 |
| Net operating income to assets | 0.2685% | 5,602 |
| Return on assets (ROA) | 0.2685% | 5,646 |
| Pretax return on assets | 0.3656% | 5,554 |
| Return on Equity (ROE) | 3.0477% | 5,444 |
| Retained earnings to average equity (ytd only) | 3.0477% | 4,286 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9204% | 1,043 |
| Assets per employee ($millions) | 3.7564% | 4,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 4,625 |
| Loan loss allowance to noncurrent loans | 131.7919% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 3,944 |
| Noncurrent loans to loans | 0.9127% | 3,602 |
| Net loans and leases to total assets | 78.7171% | 689 |
| Net loans and leases to deposits | 89.6917% | 1,187 |
| Net loans and leases to core deposits | 92.8628% | 1,650 |
| Total domestic deposits to total assets | 87.7641% | 2,373 |
| Equity capital to assets | 8.6743% | 5,462 |
| Core capital (leverage) ratio | 8.9212% | 5,113 |
| Tier 1 risk-based capital ratio | 11.5238% | 5,903 |
| Total risk-based capital ratio | 12.7744% | 5,854 |
| Memoranda: | ||
| Average total assets | $70,014,000 | 5,445 |
| Average earning assets | $63,135,500 | 5,469 |
| Average equity | $6,168,500 | 5,714 |
| Average total loans | $57,052,500 | 4,681 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 877 |
| Cost of funding earning assets | 0.4069% | 4,569 |
| Net interest margin | 4.6163% | 592 |
| Noninterest income to average assets | 0.6300% | 2,916 |
| Noninterest expense to average assets | 3.7697% | 1,183 |
| Loan and lease loss provision to assets | 0.0695% | 3,737 |
| Net operating income to assets | 0.6242% | 4,143 |
| Return on assets (ROA) | 0.6242% | 4,260 |
| Pretax return on assets | 0.9312% | 3,635 |
| Return on Equity (ROE) | 7.1999% | 3,455 |
| Retained earnings to average equity (ytd only) | 5.9136% | 2,022 |
| Net charge-offs to loans | -0.0017% | 5,839 |
| Credit loss provision to net charge-offs | -4,800.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0225% | 2,314 |
| Assets per employee ($millions) | 3.6135% | 4,646 |
| Cash dividends to net income (ytd only)* | 17.8654% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 4,790 |
| Loan loss allowance to noncurrent loans | 533.3333% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 5,763 |
| Noncurrent loans to loans | 0.2201% | 5,527 |
| Net loans and leases to total assets | 82.3919% | 375 |
| Net loans and leases to deposits | 94.4468% | 845 |
| Net loans and leases to core deposits | 97.9396% | 1,304 |
| Total domestic deposits to total assets | 87.2364% | 2,609 |
| Equity capital to assets | 8.9519% | 5,097 |
| Core capital (leverage) ratio | 9.0086% | 4,991 |
| Tier 1 risk-based capital ratio | 11.5737% | 5,867 |
| Total risk-based capital ratio | 12.8242% | 5,807 |
| Memoranda: | ||
| Average total assets | $69,050,800 | 5,506 |
| Average earning assets | $61,932,400 | 5,540 |
| Average equity | $5,986,200 | 5,826 |
| Average total loans | $59,827,000 | 4,617 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 793 |
| Cost of funding earning assets | 0.4066% | 4,772 |
| Net interest margin | 4.6772% | 537 |
| Noninterest income to average assets | 0.5958% | 3,175 |
| Noninterest expense to average assets | 3.7753% | 1,114 |
| Loan and lease loss provision to assets | 0.0694% | 3,673 |
| Net operating income to assets | 0.6305% | 4,214 |
| Return on assets (ROA) | 0.6305% | 4,337 |
| Pretax return on assets | 0.9429% | 3,715 |
| Return on Equity (ROE) | 7.3322% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.3455% | 2,214 |
| Net charge-offs to loans | -0.0022% | 5,691 |
| Credit loss provision to net charge-offs | -3,600.0000% | 6,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8562% | 2,281 |
| Assets per employee ($millions) | 3.5765% | 4,696 |
| Cash dividends to net income (ytd only)* | 13.4567% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,181 |
| Loan loss allowance to noncurrent loans | 178.8618% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 4,819 |
| Noncurrent loans to loans | 0.6351% | 4,603 |
| Net loans and leases to total assets | 84.5322% | 213 |
| Net loans and leases to deposits | 96.9568% | 627 |
| Net loans and leases to core deposits | 99.7811% | 1,131 |
| Total domestic deposits to total assets | 87.1854% | 2,577 |
| Equity capital to assets | 8.9384% | 5,256 |
| Core capital (leverage) ratio | 8.8207% | 5,384 |
| Tier 1 risk-based capital ratio | 11.4098% | 6,096 |
| Total risk-based capital ratio | 12.6286% | 6,081 |
| Memoranda: | ||
| Average total assets | $69,149,500 | 5,560 |
| Average earning assets | $61,972,250 | 5,593 |
| Average equity | $5,946,250 | 5,908 |
| Average total loans | $60,474,000 | 4,641 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 732 |
| Cost of funding earning assets | 0.3984% | 4,963 |
| Net interest margin | 4.7289% | 480 |
| Noninterest income to average assets | 0.6097% | 3,135 |
| Noninterest expense to average assets | 3.6867% | 1,268 |
| Loan and lease loss provision to assets | 0.0690% | 3,659 |
| Net operating income to assets | 0.7218% | 3,711 |
| Return on assets (ROA) | 0.7218% | 3,882 |
| Pretax return on assets | 1.0870% | 3,149 |
| Return on Equity (ROE) | 8.5032% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.5032% | 1,287 |
| Net charge-offs to loans | -0.0033% | 5,579 |
| Credit loss provision to net charge-offs | -2,400.0000% | 6,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1283% | 2,770 |
| Assets per employee ($millions) | 3.8909% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 5,683 |
| Loan loss allowance to noncurrent loans | 165.7289% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 4,853 |
| Noncurrent loans to loans | 0.6255% | 4,688 |
| Net loans and leases to total assets | 88.3260% | 79 |
| Net loans and leases to deposits | 107.2543% | 196 |
| Net loans and leases to core deposits | 110.1672% | 559 |
| Total domestic deposits to total assets | 82.3519% | 4,928 |
| Equity capital to assets | 8.6256% | 5,642 |
| Core capital (leverage) ratio | 8.6858% | 5,444 |
| Tier 1 risk-based capital ratio | 10.4266% | 6,531 |
| Total risk-based capital ratio | 11.5480% | 6,540 |
| Memoranda: | ||
| Average total assets | $69,548,000 | 5,585 |
| Average earning assets | $62,255,330 | 5,617 |
| Average equity | $5,903,670 | 5,956 |
| Average total loans | $61,264,330 | 4,632 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0977% | 743 |
| Cost of funding earning assets | 0.3867% | 5,227 |
| Net interest margin | 4.7110% | 464 |
| Noninterest income to average assets | 0.6233% | 3,012 |
| Noninterest expense to average assets | 3.9478% | 944 |
| Loan and lease loss provision to assets | 0.0693% | 3,475 |
| Net operating income to assets | 0.5541% | 4,434 |
| Return on assets (ROA) | 0.5541% | 4,589 |
| Pretax return on assets | 0.8253% | 4,062 |
| Return on Equity (ROE) | 6.5810% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.5810% | 2,378 |
| Net charge-offs to loans | -0.0066% | 5,329 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5256% | 2,109 |
| Assets per employee ($millions) | 3.8242% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 5,807 |
| Loan loss allowance to noncurrent loans | 116.0584% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 3,781 |
| Noncurrent loans to loans | 0.9013% | 4,330 |
| Net loans and leases to total assets | 87.4090% | 84 |
| Net loans and leases to deposits | 101.4039% | 300 |
| Net loans and leases to core deposits | 104.9411% | 683 |
| Total domestic deposits to total assets | 86.1989% | 3,417 |
| Equity capital to assets | 8.5611% | 5,951 |
| Core capital (leverage) ratio | 8.5735% | 5,475 |
| Tier 1 risk-based capital ratio | 10.4622% | 6,588 |
| Total risk-based capital ratio | 11.5960% | 6,607 |
| Memoranda: | ||
| Average total assets | $69,304,000 | 5,643 |
| Average earning assets | $62,067,500 | 5,675 |
| Average equity | $5,835,000 | 6,020 |
| Average total loans | $60,642,500 | 4,688 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2511% | 1,015 |
| Cost of funding earning assets | 0.5254% | 5,026 |
| Net interest margin | 4.7257% | 620 |
| Noninterest income to average assets | 0.7753% | 2,365 |
| Noninterest expense to average assets | 3.9503% | 1,037 |
| Loan and lease loss provision to assets | 0.1089% | 4,269 |
| Net operating income to assets | 0.5981% | 4,246 |
| Return on assets (ROA) | 0.5981% | 4,508 |
| Pretax return on assets | 0.8812% | 3,987 |
| Return on Equity (ROE) | 7.3344% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.1238% | 2,001 |
| Net charge-offs to loans | -0.0191% | 6,546 |
| Credit loss provision to net charge-offs | -681.8182% | 6,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9589% | 2,151 |
| Assets per employee ($millions) | 3.6723% | 4,622 |
| Cash dividends to net income (ytd only)* | 16.5049% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 5,855 |
| Loan loss allowance to noncurrent loans | 92.8465% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 3,586 |
| Noncurrent loans to loans | 1.1094% | 3,991 |
| Net loans and leases to total assets | 85.7896% | 134 |
| Net loans and leases to deposits | 97.3649% | 542 |
| Net loans and leases to core deposits | 100.6389% | 987 |
| Total domestic deposits to total assets | 88.1114% | 2,163 |
| Equity capital to assets | 8.2797% | 6,217 |
| Core capital (leverage) ratio | 8.2427% | 5,949 |
| Tier 1 risk-based capital ratio | 10.1583% | 6,660 |
| Total risk-based capital ratio | 11.2589% | 6,665 |
| Memoranda: | ||
| Average total assets | $68,881,000 | 5,655 |
| Average earning assets | $60,710,800 | 5,719 |
| Average equity | $5,617,400 | 6,120 |
| Average total loans | $57,707,000 | 4,811 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 1,136 |
| Cost of funding earning assets | 0.5512% | 5,078 |
| Net interest margin | 4.6797% | 699 |
| Noninterest income to average assets | 0.7981% | 2,252 |
| Noninterest expense to average assets | 3.8820% | 1,085 |
| Loan and lease loss provision to assets | 0.1243% | 3,999 |
| Net operating income to assets | 0.5903% | 4,435 |
| Return on assets (ROA) | 0.5903% | 4,704 |
| Pretax return on assets | 0.8972% | 4,112 |
| Return on Equity (ROE) | 7.2671% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.4543% | 2,403 |
| Net charge-offs to loans | -0.0023% | 6,211 |
| Credit loss provision to net charge-offs | -6,400.0000% | 6,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1683% | 2,213 |
| Assets per employee ($millions) | 3.6747% | 4,597 |
| Cash dividends to net income (ytd only)* | 11.1838% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 6,105 |
| Loan loss allowance to noncurrent loans | 90.6627% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 3,840 |
| Noncurrent loans to loans | 1.0979% | 4,233 |
| Net loans and leases to total assets | 85.7603% | 155 |
| Net loans and leases to deposits | 97.2961% | 580 |
| Net loans and leases to core deposits | 103.1864% | 921 |
| Total domestic deposits to total assets | 88.1436% | 1,960 |
| Equity capital to assets | 8.1711% | 6,503 |
| Core capital (leverage) ratio | 8.2778% | 6,051 |
| Tier 1 risk-based capital ratio | 10.0485% | 6,786 |
| Total risk-based capital ratio | 11.1143% | 6,815 |
| Memoranda: | ||
| Average total assets | $68,658,000 | 5,721 |
| Average earning assets | $60,230,250 | 5,797 |
| Average equity | $5,577,500 | 6,199 |
| Average total loans | $57,013,500 | 4,887 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1965% | 1,265 |
| Cost of funding earning assets | 0.5875% | 5,007 |
| Net interest margin | 4.6091% | 812 |
| Noninterest income to average assets | 0.7587% | 2,379 |
| Noninterest expense to average assets | 3.8171% | 1,190 |
| Loan and lease loss provision to assets | 0.1113% | 4,137 |
| Net operating income to assets | 0.5625% | 4,521 |
| Return on assets (ROA) | 0.5625% | 4,808 |
| Pretax return on assets | 0.8525% | 4,272 |
| Return on Equity (ROE) | 6.9377% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.2873% | 2,507 |
| Net charge-offs to loans | -0.0107% | 6,294 |
| Credit loss provision to net charge-offs | -1,266.6667% | 6,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8407% | 2,209 |
| Assets per employee ($millions) | 3.4918% | 5,006 |
| Cash dividends to net income (ytd only)* | 9.3750% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 6,121 |
| Loan loss allowance to noncurrent loans | 55.8454% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.5601% | 3,368 |
| Noncurrent loans to loans | 1.8087% | 3,201 |
| Net loans and leases to total assets | 85.3807% | 163 |
| Net loans and leases to deposits | 97.2864% | 559 |
| Net loans and leases to core deposits | 101.6710% | 995 |
| Total domestic deposits to total assets | 87.7623% | 2,304 |
| Equity capital to assets | 8.4514% | 6,259 |
| Core capital (leverage) ratio | 8.1481% | 6,099 |
| Tier 1 risk-based capital ratio | 10.4968% | 6,695 |
| Total risk-based capital ratio | 11.5841% | 6,732 |
| Memoranda: | ||
| Average total assets | $68,271,000 | 5,771 |
| Average earning assets | $59,578,000 | 5,856 |
| Average equity | $5,535,000 | 6,234 |
| Average total loans | $55,858,330 | 4,960 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 1,238 |
| Cost of funding earning assets | 0.5885% | 5,222 |
| Net interest margin | 4.6479% | 749 |
| Noninterest income to average assets | 0.8782% | 1,836 |
| Noninterest expense to average assets | 3.8998% | 1,064 |
| Loan and lease loss provision to assets | 0.1618% | 3,364 |
| Net operating income to assets | 0.5489% | 4,604 |
| Return on assets (ROA) | 0.5489% | 4,815 |
| Pretax return on assets | 0.8320% | 4,293 |
| Return on Equity (ROE) | 6.9103% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.9103% | 2,478 |
| Net charge-offs to loans | -0.0072% | 5,866 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6930% | 2,236 |
| Assets per employee ($millions) | 3.8579% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,250 |
| Loan loss allowance to noncurrent loans | 277.4510% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 6,193 |
| Noncurrent loans to loans | 0.3603% | 5,955 |
| Net loans and leases to total assets | 76.4652% | 752 |
| Net loans and leases to deposits | 86.0399% | 1,417 |
| Net loans and leases to core deposits | 99.4182% | 1,019 |
| Total domestic deposits to total assets | 88.8718% | 1,776 |
| Equity capital to assets | 7.5430% | 6,763 |
| Core capital (leverage) ratio | 8.2885% | 5,890 |
| Tier 1 risk-based capital ratio | 10.1397% | 6,848 |
| Total risk-based capital ratio | 11.1832% | 6,895 |
| Memoranda: | ||
| Average total assets | $69,234,500 | 5,795 |
| Average earning assets | $59,812,000 | 5,885 |
| Average equity | $5,499,000 | 6,278 |
| Average total loans | $55,176,000 | 5,013 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 1,854 |
| Cost of funding earning assets | 0.6060% | 6,064 |
| Net interest margin | 4.6474% | 838 |
| Noninterest income to average assets | 0.8171% | 1,976 |
| Noninterest expense to average assets | 4.1871% | 823 |
| Loan and lease loss provision to assets | 0.2219% | 3,978 |
| Net operating income to assets | 0.3353% | 5,123 |
| Return on assets (ROA) | 0.3906% | 5,076 |
| Pretax return on assets | 0.5749% | 4,764 |
| Return on Equity (ROE) | 4.7565% | 4,498 |
| Retained earnings to average equity (ytd only) | 3.9384% | 3,398 |
| Net charge-offs to loans | -0.0398% | 7,031 |
| Credit loss provision to net charge-offs | -710.0000% | 6,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4047% | 1,631 |
| Assets per employee ($millions) | 3.2585% | 5,603 |
| Cash dividends to net income (ytd only)* | 17.2000% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,223 |
| Loan loss allowance to noncurrent loans | 263.2353% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 6,196 |
| Noncurrent loans to loans | 0.3796% | 5,956 |
| Net loans and leases to total assets | 81.6339% | 364 |
| Net loans and leases to deposits | 93.0330% | 882 |
| Net loans and leases to core deposits | 109.8697% | 628 |
| Total domestic deposits to total assets | 87.7472% | 2,312 |
| Equity capital to assets | 8.3920% | 6,255 |
| Core capital (leverage) ratio | 8.5254% | 5,516 |
| Tier 1 risk-based capital ratio | 10.7500% | 6,583 |
| Total risk-based capital ratio | 11.8116% | 6,638 |
| Memoranda: | ||
| Average total assets | $64,006,000 | 5,925 |
| Average earning assets | $56,267,600 | 5,970 |
| Average equity | $5,256,000 | 6,365 |
| Average total loans | $50,235,800 | 5,255 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2450% | 2,051 |
| Cost of funding earning assets | 0.6135% | 6,224 |
| Net interest margin | 4.6314% | 892 |
| Noninterest income to average assets | 0.8161% | 1,977 |
| Noninterest expense to average assets | 4.2208% | 779 |
| Loan and lease loss provision to assets | 0.2616% | 3,413 |
| Net operating income to assets | 0.2723% | 5,500 |
| Return on assets (ROA) | 0.3474% | 5,398 |
| Pretax return on assets | 0.5022% | 5,150 |
| Return on Equity (ROE) | 4.2541% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.2541% | 3,698 |
| Net charge-offs to loans | -0.0459% | 7,040 |
| Credit loss provision to net charge-offs | -735.2941% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5665% | 1,480 |
| Assets per employee ($millions) | 3.0234% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 6,268 |
| Loan loss allowance to noncurrent loans | 4,308.3333% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,015 |
| Noncurrent loans to loans | 0.0232% | 6,882 |
| Net loans and leases to total assets | 80.5657% | 463 |
| Net loans and leases to deposits | 95.4898% | 728 |
| Net loans and leases to core deposits | 111.6661% | 622 |
| Total domestic deposits to total assets | 84.3710% | 4,065 |
| Equity capital to assets | 8.5618% | 6,237 |
| Core capital (leverage) ratio | 8.6346% | 5,498 |
| Tier 1 risk-based capital ratio | 10.9346% | 6,582 |
| Total risk-based capital ratio | 11.9822% | 6,676 |
| Memoranda: | ||
| Average total assets | $63,715,250 | 5,971 |
| Average earning assets | $55,848,750 | 6,035 |
| Average equity | $5,202,750 | 6,437 |
| Average total loans | $49,360,500 | 5,331 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 2,246 |
| Cost of funding earning assets | 0.6012% | 6,463 |
| Net interest margin | 4.6019% | 905 |
| Noninterest income to average assets | 0.8528% | 1,793 |
| Noninterest expense to average assets | 4.3016% | 745 |
| Loan and lease loss provision to assets | 0.3825% | 2,506 |
| Net operating income to assets | 0.1475% | 5,891 |
| Return on assets (ROA) | 0.2665% | 5,621 |
| Pretax return on assets | 0.3637% | 5,504 |
| Return on Equity (ROE) | 3.3171% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.3171% | 4,144 |
| Net charge-offs to loans | -0.0659% | 7,079 |
| Credit loss provision to net charge-offs | -762.5000% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0616% | 1,409 |
| Assets per employee ($millions) | 3.1795% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 6,162 |
| Loan loss allowance to noncurrent loans | 3,946.1538% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 7,059 |
| Noncurrent loans to loans | 0.0265% | 6,922 |
| Net loans and leases to total assets | 76.3674% | 1,024 |
| Net loans and leases to deposits | 90.7701% | 1,186 |
| Net loans and leases to core deposits | 106.1650% | 929 |
| Total domestic deposits to total assets | 84.1327% | 4,290 |
| Equity capital to assets | 8.4101% | 6,294 |
| Core capital (leverage) ratio | 8.4155% | 5,685 |
| Tier 1 risk-based capital ratio | 11.1622% | 6,406 |
| Total risk-based capital ratio | 12.2396% | 6,518 |
| Memoranda: | ||
| Average total assets | $63,790,000 | 6,020 |
| Average earning assets | $55,890,000 | 6,086 |
| Average equity | $5,125,000 | 6,494 |
| Average total loans | $48,591,000 | 5,415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 2,719 |
| Cost of funding earning assets | 0.6135% | 6,553 |
| Net interest margin | 4.4709% | 1,128 |
| Noninterest income to average assets | 0.9391% | 1,505 |
| Noninterest expense to average assets | 4.3888% | 659 |
| Loan and lease loss provision to assets | 0.6386% | 1,350 |
| Net operating income to assets | -0.0979% | 6,456 |
| Return on assets (ROA) | 0.1690% | 5,940 |
| Pretax return on assets | 0.2066% | 5,925 |
| Return on Equity (ROE) | 2.1542% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.1542% | 4,847 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4133% | 1,382 |
| Assets per employee ($millions) | 2.8427% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,474 |
| Loan loss allowance to noncurrent loans | 1,538.7097% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 7,043 |
| Noncurrent loans to loans | 0.0635% | 6,886 |
| Net loans and leases to total assets | 77.2542% | 834 |
| Net loans and leases to deposits | 88.2254% | 1,438 |
| Net loans and leases to core deposits | 89.4588% | 2,416 |
| Total domestic deposits to total assets | 87.5646% | 2,630 |
| Equity capital to assets | 8.4539% | 5,970 |
| Core capital (leverage) ratio | 7.6904% | 6,566 |
| Tier 1 risk-based capital ratio | 11.1661% | 6,382 |
| Total risk-based capital ratio | 12.1793% | 6,532 |
| Memoranda: | ||
| Average total assets | $63,890,000 | 6,063 |
| Average earning assets | $56,722,500 | 6,110 |
| Average equity | $5,013,500 | 6,554 |
| Average total loans | $48,349,000 | 5,471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0671% | 4,252 |
| Cost of funding earning assets | 0.7312% | 6,790 |
| Net interest margin | 4.3359% | 1,697 |
| Noninterest income to average assets | 0.7687% | 2,433 |
| Noninterest expense to average assets | 4.0860% | 1,041 |
| Loan and lease loss provision to assets | 0.3782% | 3,851 |
| Net operating income to assets | 0.1449% | 5,458 |
| Return on assets (ROA) | 0.1937% | 5,459 |
| Pretax return on assets | 0.2349% | 5,396 |
| Return on Equity (ROE) | 2.6546% | 5,107 |
| Retained earnings to average equity (ytd only) | 2.4455% | 4,166 |
| Net charge-offs to loans | 1.1198% | 1,989 |
| Credit loss provision to net charge-offs | 47.6923% | 6,296 |
| Earnings coverage of net charge-offs (x) | 0.6981% | 5,411 |
| Efficiency ratio | 88.0671% | 1,479 |
| Assets per employee ($millions) | 2.7184% | 6,654 |
| Cash dividends to net income (ytd only)* | 7.8740% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 7,006 |
| Loan loss allowance to noncurrent loans | 625.0000% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 7,001 |
| Noncurrent loans to loans | 0.1252% | 6,822 |
| Net loans and leases to total assets | 72.8560% | 1,911 |
| Net loans and leases to deposits | 81.8854% | 2,830 |
| Net loans and leases to core deposits | 82.2424% | 3,873 |
| Total domestic deposits to total assets | 88.9732% | 1,677 |
| Equity capital to assets | 7.2654% | 7,011 |
| Core capital (leverage) ratio | 7.1222% | 6,957 |
| Tier 1 risk-based capital ratio | 10.0657% | 6,950 |
| Total risk-based capital ratio | 10.8731% | 7,110 |
| Memoranda: | ||
| Average total assets | $65,565,600 | 6,014 |
| Average earning assets | $58,534,000 | 6,043 |
| Average equity | $4,784,200 | 6,734 |
| Average total loans | $46,436,600 | 5,618 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 4,390 |
| Cost of funding earning assets | 0.7655% | 6,860 |
| Net interest margin | 4.3217% | 1,767 |
| Noninterest income to average assets | 0.7758% | 2,350 |
| Noninterest expense to average assets | 3.9646% | 1,092 |
| Loan and lease loss provision to assets | 0.2762% | 4,375 |
| Net operating income to assets | 0.2748% | 5,258 |
| Return on assets (ROA) | 0.3311% | 5,214 |
| Pretax return on assets | 0.4671% | 5,021 |
| Return on Equity (ROE) | 4.5322% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.2540% | 3,497 |
| Net charge-offs to loans | 1.5078% | 1,331 |
| Credit loss provision to net charge-offs | 26.1036% | 6,193 |
| Earnings coverage of net charge-offs (x) | 0.6276% | 5,409 |
| Efficiency ratio | 85.6516% | 1,668 |
| Assets per employee ($millions) | 2.8679% | 6,448 |
| Cash dividends to net income (ytd only)* | 6.1335% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5620% | 7,399 |
| Loan loss allowance to noncurrent loans | 451.7241% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 6,856 |
| Noncurrent loans to loans | 0.1244% | 6,931 |
| Net loans and leases to total assets | 73.4729% | 1,917 |
| Net loans and leases to deposits | 81.0905% | 3,246 |
| Net loans and leases to core deposits | 81.8118% | 4,270 |
| Total domestic deposits to total assets | 90.6061% | 591 |
| Equity capital to assets | 7.6426% | 7,038 |
| Core capital (leverage) ratio | 7.1456% | 7,090 |
| Tier 1 risk-based capital ratio | 10.4981% | 6,779 |
| Total risk-based capital ratio | 11.0819% | 7,135 |
| Memoranda: | ||
| Average total assets | $65,646,750 | 6,077 |
| Average earning assets | $58,524,250 | 6,107 |
| Average equity | $4,795,250 | 6,813 |
| Average total loans | $46,069,000 | 5,731 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0649% | 4,640 |
| Cost of funding earning assets | 0.7958% | 6,928 |
| Net interest margin | 4.2691% | 1,896 |
| Noninterest income to average assets | 0.7639% | 2,308 |
| Noninterest expense to average assets | 3.9430% | 1,108 |
| Loan and lease loss provision to assets | 0.0722% | 6,223 |
| Net operating income to assets | 0.3812% | 4,845 |
| Return on assets (ROA) | 0.4331% | 4,767 |
| Pretax return on assets | 0.6316% | 4,470 |
| Return on Equity (ROE) | 6.0171% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.0171% | 2,319 |
| Net charge-offs to loans | 0.0174% | 6,098 |
| Credit loss provision to net charge-offs | 600.0000% | 608 |
| Earnings coverage of net charge-offs (x) | 52.2500% | 570 |
| Efficiency ratio | 86.2500% | 1,679 |
| Assets per employee ($millions) | 2.8236% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 4,217 |
| Loan loss allowance to noncurrent loans | 70.5074% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.5644% | 4,114 |
| Noncurrent loans to loans | 2.0462% | 3,657 |
| Net loans and leases to total assets | 70.1631% | 2,866 |
| Net loans and leases to deposits | 77.1468% | 4,138 |
| Net loans and leases to core deposits | 77.8081% | 4,984 |
| Total domestic deposits to total assets | 90.9474% | 507 |
| Equity capital to assets | 7.4912% | 7,119 |
| Core capital (leverage) ratio | 7.1863% | 7,078 |
| Tier 1 risk-based capital ratio | 10.5078% | 6,680 |
| Total risk-based capital ratio | 11.7602% | 6,667 |
| Memoranda: | ||
| Average total assets | $66,497,670 | 6,086 |
| Average earning assets | $59,310,000 | 6,125 |
| Average equity | $4,786,330 | 6,847 |
| Average total loans | $45,885,670 | 5,767 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 5,093 |
| Cost of funding earning assets | 0.8814% | 6,838 |
| Net interest margin | 4.1023% | 2,428 |
| Noninterest income to average assets | 0.7729% | 2,155 |
| Noninterest expense to average assets | 3.9658% | 1,083 |
| Loan and lease loss provision to assets | 0.0713% | 5,922 |
| Net operating income to assets | 0.3092% | 5,260 |
| Return on assets (ROA) | 0.3092% | 5,393 |
| Pretax return on assets | 0.4162% | 5,243 |
| Return on Equity (ROE) | 4.3817% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.3817% | 3,522 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0521% | 1,500 |
| Assets per employee ($millions) | 3.0982% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 4,271 |
| Loan loss allowance to noncurrent loans | 163.9303% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,787 |
| Noncurrent loans to loans | 0.8718% | 5,574 |
| Net loans and leases to total assets | 66.6828% | 3,704 |
| Net loans and leases to deposits | 72.8522% | 4,937 |
| Net loans and leases to core deposits | 73.7207% | 5,520 |
| Total domestic deposits to total assets | 91.5317% | 365 |
| Equity capital to assets | 6.9938% | 7,372 |
| Core capital (leverage) ratio | 6.6709% | 7,404 |
| Tier 1 risk-based capital ratio | 10.0912% | 6,968 |
| Total risk-based capital ratio | 11.3625% | 6,942 |
| Memoranda: | ||
| Average total assets | $67,275,000 | 6,127 |
| Average earning assets | $60,357,000 | 6,156 |
| Average equity | $4,747,000 | 6,931 |
| Average total loans | $45,712,000 | 5,854 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 6,415 |
| Cost of funding earning assets | 1.3906% | 5,973 |
| Net interest margin | 3.6149% | 4,499 |
| Noninterest income to average assets | 0.8724% | 2,067 |
| Noninterest expense to average assets | 4.1200% | 1,194 |
| Loan and lease loss provision to assets | 0.6395% | 3,243 |
| Net operating income to assets | -0.4128% | 6,093 |
| Return on assets (ROA) | -0.4128% | 6,090 |
| Pretax return on assets | -0.7272% | 6,214 |
| Return on Equity (ROE) | -5.6242% | 6,276 |
| Retained earnings to average equity (ytd only) | -5.6242% | 6,102 |
| Net charge-offs to loans | 0.1008% | 6,125 |
| Credit loss provision to net charge-offs | 983.7209% | 299 |
| Earnings coverage of net charge-offs (x) | -1.3488% | 6,933 |
| Efficiency ratio | 102.1747% | 1,005 |
| Assets per employee ($millions) | 2.8865% | 6,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 4,086 |
| Loan loss allowance to noncurrent loans | 160.9453% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 5,689 |
| Noncurrent loans to loans | 0.8871% | 5,530 |
| Net loans and leases to total assets | 67.2797% | 3,865 |
| Net loans and leases to deposits | 73.7615% | 5,084 |
| Net loans and leases to core deposits | 83.9495% | 5,718 |
| Total domestic deposits to total assets | 91.2125% | 463 |
| Equity capital to assets | 7.1200% | 7,315 |
| Core capital (leverage) ratio | 6.8886% | 7,320 |
| Tier 1 risk-based capital ratio | 9.7804% | 7,038 |
| Total risk-based capital ratio | 11.0475% | 7,006 |
| Memoranda: | ||
| Average total assets | $66,140,800 | 6,136 |
| Average earning assets | $57,816,600 | 6,226 |
| Average equity | $4,854,000 | 7,002 |
| Average total loans | $42,677,400 | 5,994 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9785% | 6,667 |
| Cost of funding earning assets | 1.4662% | 5,978 |
| Net interest margin | 3.5123% | 4,816 |
| Noninterest income to average assets | 0.8898% | 2,026 |
| Noninterest expense to average assets | 4.1061% | 1,135 |
| Loan and lease loss provision to assets | 0.7567% | 2,476 |
| Net operating income to assets | -0.7385% | 6,633 |
| Return on assets (ROA) | -0.7385% | 6,651 |
| Pretax return on assets | -0.9181% | 6,617 |
| Return on Equity (ROE) | -9.9880% | 6,893 |
| Retained earnings to average equity (ytd only) | -9.9880% | 6,803 |
| Net charge-offs to loans | 0.0508% | 6,205 |
| Credit loss provision to net charge-offs | 2,343.7500% | 169 |
| Earnings coverage of net charge-offs (x) | -5.0005% | 6,853 |
| Efficiency ratio | 104.0921% | 917 |
| Assets per employee ($millions) | 2.8654% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,776 |
| Loan loss allowance to noncurrent loans | 145.5814% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 5,591 |
| Noncurrent loans to loans | 0.9826% | 5,342 |
| Net loans and leases to total assets | 65.4503% | 4,544 |
| Net loans and leases to deposits | 71.7912% | 5,683 |
| Net loans and leases to core deposits | 82.9647% | 6,124 |
| Total domestic deposits to total assets | 91.1676% | 355 |
| Equity capital to assets | 7.0511% | 7,570 |
| Core capital (leverage) ratio | 6.3467% | 7,721 |
| Tier 1 risk-based capital ratio | 9.3548% | 7,462 |
| Total risk-based capital ratio | 10.6043% | 7,444 |
| Memoranda: | ||
| Average total assets | $66,078,500 | 6,179 |
| Average earning assets | $57,472,500 | 6,282 |
| Average equity | $4,885,750 | 7,047 |
| Average total loans | $42,018,250 | 6,068 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 6,871 |
| Cost of funding earning assets | 1.5012% | 6,133 |
| Net interest margin | 3.4689% | 4,939 |
| Noninterest income to average assets | 0.8619% | 2,141 |
| Noninterest expense to average assets | 4.0129% | 1,297 |
| Loan and lease loss provision to assets | 0.0816% | 6,367 |
| Net operating income to assets | -0.1784% | 6,151 |
| Return on assets (ROA) | -0.1784% | 6,177 |
| Pretax return on assets | -0.2419% | 6,170 |
| Return on Equity (ROE) | -2.3765% | 6,283 |
| Retained earnings to average equity (ytd only) | -2.3765% | 5,836 |
| Net charge-offs to loans | 0.0386% | 5,925 |
| Credit loss provision to net charge-offs | 337.5000% | 1,377 |
| Earnings coverage of net charge-offs (x) | -6.6250% | 6,486 |
| Efficiency ratio | 104.1601% | 1,028 |
| Assets per employee ($millions) | 2.8788% | 6,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 7,532 |
| Loan loss allowance to noncurrent loans | 51.6245% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 5,239 |
| Noncurrent loans to loans | 1.2711% | 4,656 |
| Net loans and leases to total assets | 60.1606% | 5,654 |
| Net loans and leases to deposits | 65.6065% | 6,427 |
| Net loans and leases to core deposits | 77.1370% | 6,598 |
| Total domestic deposits to total assets | 91.6992% | 273 |
| Equity capital to assets | 6.7974% | 7,709 |
| Core capital (leverage) ratio | 6.9024% | 7,598 |
| Tier 1 risk-based capital ratio | 9.6357% | 7,288 |
| Total risk-based capital ratio | 10.2010% | 7,753 |
| Memoranda: | ||
| Average total assets | $66,136,330 | 6,218 |
| Average earning assets | $57,021,330 | 6,349 |
| Average equity | $4,965,330 | 7,078 |
| Average total loans | $41,437,330 | 6,138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 6,901 |
| Cost of funding earning assets | 1.4480% | 6,582 |
| Net interest margin | 3.5633% | 4,474 |
| Noninterest income to average assets | 0.9301% | 1,737 |
| Noninterest expense to average assets | 4.2518% | 891 |
| Loan and lease loss provision to assets | 0.0823% | 5,909 |
| Net operating income to assets | -0.1645% | 6,502 |
| Return on assets (ROA) | -0.1645% | 6,598 |
| Pretax return on assets | -0.2278% | 6,602 |
| Return on Equity (ROE) | -2.0792% | 6,671 |
| Retained earnings to average equity (ytd only) | -2.0792% | 6,120 |
| Net charge-offs to loans | 0.0495% | 4,787 |
| Credit loss provision to net charge-offs | 260.0000% | 1,816 |
| Earnings coverage of net charge-offs (x) | -4.6000% | 5,559 |
| Efficiency ratio | 103.5439% | 999 |
| Assets per employee ($millions) | 2.7947% | 6,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 7,520 |
| Loan loss allowance to noncurrent loans | 283.5052% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 6,773 |
| Noncurrent loans to loans | 0.2375% | 6,853 |
| Net loans and leases to total assets | 58.0675% | 5,928 |
| Net loans and leases to deposits | 63.6492% | 6,591 |
| Net loans and leases to core deposits | 72.8863% | 6,871 |
| Total domestic deposits to total assets | 91.2305% | 338 |
| Equity capital to assets | 7.1092% | 7,618 |
| Core capital (leverage) ratio | 7.3508% | 7,321 |
| Tier 1 risk-based capital ratio | 10.2504% | 6,645 |
| Total risk-based capital ratio | 10.8248% | 7,300 |
| Memoranda: | ||
| Average total assets | $63,220,000 | 6,352 |
| Average earning assets | $56,352,000 | 6,402 |
| Average equity | $5,002,000 | 7,108 |
| Average total loans | $40,364,500 | 6,219 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1961% | 4,536 |
| Cost of funding earning assets | 1.9516% | 6,561 |
| Net interest margin | 4.2445% | 2,135 |
| Noninterest income to average assets | 1.0586% | 1,399 |
| Noninterest expense to average assets | 4.3100% | 1,035 |
| Loan and lease loss provision to assets | 0.0470% | 6,831 |
| Net operating income to assets | 0.2857% | 5,587 |
| Return on assets (ROA) | 0.2857% | 5,402 |
| Pretax return on assets | 0.3999% | 5,258 |
| Return on Equity (ROE) | 3.4646% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.4646% | 2,983 |
| Net charge-offs to loans | 0.1594% | 4,598 |
| Credit loss provision to net charge-offs | 44.4444% | 6,410 |
| Earnings coverage of net charge-offs (x) | 4.2222% | 4,063 |
| Efficiency ratio | 90.6040% | 1,468 |
| Assets per employee ($millions) | 2.3572% | 7,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 7,503 |
| Loan loss allowance to noncurrent loans | 494.4444% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 6,652 |
| Noncurrent loans to loans | 0.1354% | 7,011 |
| Net loans and leases to total assets | 70.0281% | 4,010 |
| Net loans and leases to deposits | 78.6645% | 5,250 |
| Net loans and leases to core deposits | 86.7405% | 6,085 |
| Total domestic deposits to total assets | 89.0213% | 1,033 |
| Equity capital to assets | 8.9035% | 5,499 |
| Core capital (leverage) ratio | 8.5103% | 5,564 |
| Tier 1 risk-based capital ratio | 11.2929% | 5,451 |
| Total risk-based capital ratio | 11.9041% | 5,950 |
| Memoranda: | ||
| Average total assets | $59,512,200 | 6,401 |
| Average earning assets | $51,855,200 | 6,512 |
| Average equity | $4,906,800 | 7,177 |
| Average total loans | $39,534,000 | 6,187 |