Home > Bank of Deerfield > Performance and Condition Ratios
Bank of Deerfield, 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 | 5.5518% | 1,098 |
| Cost of funding earning assets | 1.9738% | 955 |
| Net interest margin | 3.5780% | 2,010 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.2116% | 3,089 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.5097% | 1,002 |
| Return on assets (ROA) | 1.5097% | 972 |
| Pretax return on assets | 1.5855% | 1,260 |
| Return on Equity (ROE) | 14.2900% | 1,430 |
| Retained earnings to average equity (ytd only) | 4.3002% | 2,864 |
| Net charge-offs to loans | 0.0125% | 2,179 |
| Credit loss provision to net charge-offs | 500.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 142.7083% | 732 |
| Efficiency ratio | 57.3740% | 3,359 |
| Assets per employee ($millions) | 7.9993% | 1,442 |
| Cash dividends to net income (ytd only)* | 69.9078% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 3,000 |
| Loan loss allowance to noncurrent loans | 262.0773% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 1,491 |
| Noncurrent loans to loans | 0.4067% | 1,766 |
| Net loans and leases to total assets | 89.9200% | 36 |
| Net loans and leases to deposits | 106.0487% | 291 |
| Net loans and leases to core deposits | 166.4540% | 130 |
| Total domestic deposits to total assets | 84.7900% | 2,377 |
| Equity capital to assets | 10.0357% | 1,984 |
| Core capital (leverage) ratio | 10.2794% | 2,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2959% | 2,135 |
| Memoranda: | ||
| Average total assets | $208,446,200 | 2,927 |
| Average earning assets | $201,340,600 | 2,854 |
| Average equity | $22,022,000 | 2,695 |
| Average total loans | $191,292,200 | 2,351 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3409% | 1,228 |
| Cost of funding earning assets | 1.7828% | 1,037 |
| Net interest margin | 3.5581% | 2,094 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.2004% | 3,074 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.4535% | 1,215 |
| Return on assets (ROA) | 1.4535% | 1,195 |
| Pretax return on assets | 1.5565% | 1,454 |
| Return on Equity (ROE) | 13.5700% | 1,776 |
| Retained earnings to average equity (ytd only) | 7.1814% | 2,228 |
| Net charge-offs to loans | 0.0007% | 2,626 |
| Credit loss provision to net charge-offs | 9,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 2,478.0000% | 55 |
| Efficiency ratio | 57.6700% | 3,248 |
| Assets per employee ($millions) | 8.0873% | 1,304 |
| Cash dividends to net income (ytd only)* | 47.0852% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,008 |
| Loan loss allowance to noncurrent loans | 311.6715% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 1,747 |
| Noncurrent loans to loans | 0.3442% | 1,993 |
| Net loans and leases to total assets | 91.3600% | 22 |
| Net loans and leases to deposits | 109.6917% | 206 |
| Net loans and leases to core deposits | 173.3698% | 67 |
| Total domestic deposits to total assets | 83.2800% | 2,966 |
| Equity capital to assets | 10.2140% | 1,697 |
| Core capital (leverage) ratio | 10.8934% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1742% | 1,829 |
| Memoranda: | ||
| Average total assets | $204,562,750 | 2,963 |
| Average earning assets | $197,516,250 | 2,894 |
| Average equity | $21,908,000 | 2,686 |
| Average total loans | $188,223,750 | 2,378 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1758% | 1,243 |
| Cost of funding earning assets | 1.6024% | 1,060 |
| Net interest margin | 3.5734% | 2,092 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.2434% | 2,965 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4213% | 1,277 |
| Return on assets (ROA) | 1.4213% | 1,258 |
| Pretax return on assets | 1.5413% | 1,516 |
| Return on Equity (ROE) | 13.0500% | 1,888 |
| Retained earnings to average equity (ytd only) | 6.6219% | 2,413 |
| Net charge-offs to loans | 0.0011% | 2,374 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 1,601.0000% | 84 |
| Efficiency ratio | 58.3507% | 3,153 |
| Assets per employee ($millions) | 7.5640% | 1,569 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 2,774 |
| Loan loss allowance to noncurrent loans | 295.0207% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 1,499 |
| Noncurrent loans to loans | 0.3846% | 1,773 |
| Net loans and leases to total assets | 91.0000% | 26 |
| Net loans and leases to deposits | 106.0221% | 308 |
| Net loans and leases to core deposits | 159.7348% | 102 |
| Total domestic deposits to total assets | 85.8300% | 2,287 |
| Equity capital to assets | 10.8135% | 1,457 |
| Core capital (leverage) ratio | 11.2356% | 1,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1185% | 1,844 |
| Memoranda: | ||
| Average total assets | $199,964,667 | 3,003 |
| Average earning assets | $193,091,000 | 2,943 |
| Average equity | $21,776,333 | 2,714 |
| Average total loans | $183,750,333 | 2,401 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 1,184 |
| Cost of funding earning assets | 1.4488% | 941 |
| Net interest margin | 3.5758% | 2,177 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.3171% | 2,774 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.3547% | 1,531 |
| Return on assets (ROA) | 1.3547% | 1,501 |
| Pretax return on assets | 1.4699% | 1,731 |
| Return on Equity (ROE) | 12.3900% | 2,116 |
| Retained earnings to average equity (ytd only) | 5.9198% | 2,784 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2207% | 2,930 |
| Assets per employee ($millions) | 7.3491% | 1,712 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,812 |
| Loan loss allowance to noncurrent loans | 258.1595% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 1,254 |
| Noncurrent loans to loans | 0.4461% | 1,605 |
| Net loans and leases to total assets | 91.0200% | 23 |
| Net loans and leases to deposits | 105.4818% | 266 |
| Net loans and leases to core deposits | 153.4469% | 112 |
| Total domestic deposits to total assets | 86.2900% | 2,510 |
| Equity capital to assets | 10.9794% | 1,349 |
| Core capital (leverage) ratio | 11.2827% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8025% | 1,680 |
| Memoranda: | ||
| Average total assets | $197,833,500 | 3,055 |
| Average earning assets | $190,505,000 | 2,999 |
| Average equity | $21,622,500 | 2,752 |
| Average total loans | $181,636,500 | 2,441 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 859 |
| Cost of funding earning assets | 0.5965% | 915 |
| Net interest margin | 3.8168% | 1,127 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.3620% | 2,537 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.7567% | 487 |
| Return on assets (ROA) | 1.7567% | 463 |
| Pretax return on assets | 1.9050% | 580 |
| Return on Equity (ROE) | 15.0500% | 1,245 |
| Retained earnings to average equity (ytd only) | 3.8787% | 3,438 |
| Net charge-offs to loans | 0.0006% | 2,578 |
| Credit loss provision to net charge-offs | 6,000.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 3,566.0000% | 40 |
| Efficiency ratio | 54.9349% | 3,691 |
| Assets per employee ($millions) | 7.0443% | 1,939 |
| Cash dividends to net income (ytd only)* | 74.2345% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 2,649 |
| Loan loss allowance to noncurrent loans | 369.6970% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 1,719 |
| Noncurrent loans to loans | 0.3107% | 2,036 |
| Net loans and leases to total assets | 90.4900% | 28 |
| Net loans and leases to deposits | 108.1333% | 191 |
| Net loans and leases to core deposits | 145.3876% | 111 |
| Total domestic deposits to total assets | 83.6900% | 3,275 |
| Equity capital to assets | 10.8796% | 1,309 |
| Core capital (leverage) ratio | 11.4463% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2004% | 2,286 |
| Memoranda: | ||
| Average total assets | $184,042,400 | 3,155 |
| Average earning assets | $178,026,400 | 3,081 |
| Average equity | $21,476,000 | 2,816 |
| Average total loans | $159,219,000 | 2,544 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 775 |
| Cost of funding earning assets | 0.4884% | 796 |
| Net interest margin | 3.7846% | 972 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4196% | 2,258 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.7350% | 490 |
| Return on assets (ROA) | 1.7350% | 476 |
| Pretax return on assets | 1.8862% | 602 |
| Return on Equity (ROE) | 14.6000% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.0816% | 1,969 |
| Net charge-offs to loans | 0.0009% | 2,296 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 2,602.0000% | 46 |
| Efficiency ratio | 55.7633% | 3,642 |
| Assets per employee ($millions) | 6.8334% | 2,067 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,438 |
| Loan loss allowance to noncurrent loans | 322.2222% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,563 |
| Noncurrent loans to loans | 0.3779% | 1,879 |
| Net loans and leases to total assets | 90.5400% | 21 |
| Net loans and leases to deposits | 108.0320% | 153 |
| Net loans and leases to core deposits | 141.1476% | 93 |
| Total domestic deposits to total assets | 83.8100% | 3,541 |
| Equity capital to assets | 11.8048% | 920 |
| Core capital (leverage) ratio | 12.4479% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7485% | 1,494 |
| Memoranda: | ||
| Average total assets | $180,742,750 | 3,198 |
| Average earning assets | $175,268,250 | 3,128 |
| Average equity | $21,480,250 | 2,856 |
| Average total loans | $153,883,250 | 2,598 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 727 |
| Cost of funding earning assets | 0.4872% | 558 |
| Net interest margin | 3.6437% | 1,001 |
| Noninterest income to average assets | 0.7410% | 1,196 |
| Noninterest expense to average assets | 2.3812% | 2,292 |
| Loan and lease loss provision to assets | 0.0334% | 1,987 |
| Net operating income to assets | 1.7082% | 420 |
| Return on assets (ROA) | 1.7082% | 413 |
| Pretax return on assets | 1.8597% | 512 |
| Return on Equity (ROE) | 14.3403% | 1,033 |
| Retained earnings to average equity (ytd only) | 7.7922% | 1,693 |
| Net charge-offs to loans | 0.0013% | 2,087 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 1,699.0000% | 64 |
| Efficiency ratio | 55.7091% | 3,804 |
| Assets per employee ($millions) | 6.0935% | 2,660 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,992 |
| Loan loss allowance to noncurrent loans | 281.5427% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 1,377 |
| Noncurrent loans to loans | 0.4770% | 1,689 |
| Net loans and leases to total assets | 84.9806% | 135 |
| Net loans and leases to deposits | 97.8842% | 347 |
| Net loans and leases to core deposits | 127.9720% | 132 |
| Total domestic deposits to total assets | 86.8175% | 3,003 |
| Equity capital to assets | 12.2324% | 814 |
| Core capital (leverage) ratio | 12.1469% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0432% | 1,693 |
| Memoranda: | ||
| Average total assets | $179,490,000 | 3,251 |
| Average earning assets | $174,053,667 | 3,179 |
| Average equity | $21,380,333 | 2,950 |
| Average total loans | $148,807,667 | 2,656 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 720 |
| Cost of funding earning assets | 0.4999% | 496 |
| Net interest margin | 3.5360% | 1,018 |
| Noninterest income to average assets | 0.9310% | 796 |
| Noninterest expense to average assets | 2.4104% | 2,125 |
| Loan and lease loss provision to assets | 0.0332% | 1,772 |
| Net operating income to assets | 1.7559% | 362 |
| Return on assets (ROA) | 1.7559% | 364 |
| Pretax return on assets | 1.9129% | 431 |
| Return on Equity (ROE) | 14.9371% | 662 |
| Retained earnings to average equity (ytd only) | 8.3527% | 1,470 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3299% | 3,935 |
| Assets per employee ($millions) | 6.6291% | 2,268 |
| Cash dividends to net income (ytd only)* | 44.0806% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,884 |
| Loan loss allowance to noncurrent loans | 230.7955% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 1,223 |
| Noncurrent loans to loans | 0.6088% | 1,538 |
| Net loans and leases to total assets | 79.6258% | 253 |
| Net loans and leases to deposits | 94.4197% | 340 |
| Net loans and leases to core deposits | 128.9345% | 96 |
| Total domestic deposits to total assets | 84.3317% | 3,696 |
| Equity capital to assets | 11.9495% | 975 |
| Core capital (leverage) ratio | 11.8883% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9431% | 1,532 |
| Memoranda: | ||
| Average total assets | $180,879,500 | 3,247 |
| Average earning assets | $175,228,500 | 3,182 |
| Average equity | $21,262,500 | 3,039 |
| Average total loans | $147,104,500 | 2,668 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 1,359 |
| Cost of funding earning assets | 0.6275% | 476 |
| Net interest margin | 3.3716% | 2,109 |
| Noninterest income to average assets | 1.5442% | 475 |
| Noninterest expense to average assets | 2.4536% | 2,327 |
| Loan and lease loss provision to assets | 0.0677% | 1,715 |
| Net operating income to assets | 2.0984% | 291 |
| Return on assets (ROA) | 2.0984% | 305 |
| Pretax return on assets | 2.2822% | 353 |
| Return on Equity (ROE) | 17.5290% | 512 |
| Retained earnings to average equity (ytd only) | 4.5777% | 2,979 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0798% | 4,196 |
| Assets per employee ($millions) | 6.5276% | 2,311 |
| Cash dividends to net income (ytd only)* | 73.8850% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 2,151 |
| Loan loss allowance to noncurrent loans | 201.1976% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 1,207 |
| Noncurrent loans to loans | 0.6695% | 1,494 |
| Net loans and leases to total assets | 80.7794% | 234 |
| Net loans and leases to deposits | 95.4352% | 336 |
| Net loans and leases to core deposits | 129.3503% | 106 |
| Total domestic deposits to total assets | 84.6432% | 3,383 |
| Equity capital to assets | 11.5646% | 1,472 |
| Core capital (leverage) ratio | 11.7132% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9409% | 1,534 |
| Memoranda: | ||
| Average total assets | $177,370,600 | 3,232 |
| Average earning assets | $171,463,000 | 3,170 |
| Average equity | $21,233,400 | 3,118 |
| Average total loans | $146,396,800 | 2,661 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 1,472 |
| Cost of funding earning assets | 0.6595% | 478 |
| Net interest margin | 3.3695% | 2,238 |
| Noninterest income to average assets | 1.7058% | 436 |
| Noninterest expense to average assets | 2.4497% | 2,273 |
| Loan and lease loss provision to assets | 0.0682% | 1,641 |
| Net operating income to assets | 2.2436% | 296 |
| Return on assets (ROA) | 2.2436% | 313 |
| Pretax return on assets | 2.4428% | 370 |
| Return on Equity (ROE) | 18.5781% | 560 |
| Retained earnings to average equity (ytd only) | 11.9923% | 838 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3816% | 4,273 |
| Assets per employee ($millions) | 5.6977% | 2,995 |
| Cash dividends to net income (ytd only)* | 35.4490% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,164 |
| Loan loss allowance to noncurrent loans | 289.9270% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 1,896 |
| Noncurrent loans to loans | 0.4704% | 2,151 |
| Net loans and leases to total assets | 81.3230% | 231 |
| Net loans and leases to deposits | 97.2650% | 302 |
| Net loans and leases to core deposits | 137.1383% | 90 |
| Total domestic deposits to total assets | 83.6097% | 3,559 |
| Equity capital to assets | 12.5149% | 1,165 |
| Core capital (leverage) ratio | 12.4867% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1632% | 1,321 |
| Memoranda: | ||
| Average total assets | $176,020,000 | 3,278 |
| Average earning assets | $170,031,750 | 3,215 |
| Average equity | $21,257,500 | 3,150 |
| Average total loans | $145,581,250 | 2,711 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 1,519 |
| Cost of funding earning assets | 0.6875% | 494 |
| Net interest margin | 3.3347% | 2,341 |
| Noninterest income to average assets | 1.8906% | 362 |
| Noninterest expense to average assets | 2.4560% | 2,289 |
| Loan and lease loss provision to assets | 0.0683% | 1,687 |
| Net operating income to assets | 2.3695% | 260 |
| Return on assets (ROA) | 2.3695% | 279 |
| Pretax return on assets | 2.5834% | 312 |
| Return on Equity (ROE) | 19.8617% | 465 |
| Retained earnings to average equity (ytd only) | 13.1871% | 686 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0846% | 4,379 |
| Assets per employee ($millions) | 6.0224% | 2,588 |
| Cash dividends to net income (ytd only)* | 33.6054% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 2,199 |
| Loan loss allowance to noncurrent loans | 234.2515% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 1,754 |
| Noncurrent loans to loans | 0.5755% | 1,959 |
| Net loans and leases to total assets | 81.9610% | 222 |
| Net loans and leases to deposits | 97.9553% | 315 |
| Net loans and leases to core deposits | 137.7404% | 91 |
| Total domestic deposits to total assets | 83.6718% | 3,527 |
| Equity capital to assets | 12.3694% | 1,193 |
| Core capital (leverage) ratio | 12.1641% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7222% | 1,409 |
| Memoranda: | ||
| Average total assets | $175,817,000 | 3,281 |
| Average earning assets | $169,608,000 | 3,223 |
| Average equity | $20,975,000 | 3,163 |
| Average total loans | $145,566,333 | 2,730 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 1,445 |
| Cost of funding earning assets | 0.7032% | 543 |
| Net interest margin | 3.3724% | 2,180 |
| Noninterest income to average assets | 2.2517% | 308 |
| Noninterest expense to average assets | 2.5465% | 2,037 |
| Loan and lease loss provision to assets | 0.0680% | 1,791 |
| Net operating income to assets | 2.6576% | 205 |
| Return on assets (ROA) | 2.6576% | 230 |
| Pretax return on assets | 2.8889% | 264 |
| Return on Equity (ROE) | 22.6901% | 354 |
| Retained earnings to average equity (ytd only) | 15.9140% | 529 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2711% | 4,449 |
| Assets per employee ($millions) | 6.8078% | 1,929 |
| Cash dividends to net income (ytd only)* | 29.8635% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,192 |
| Loan loss allowance to noncurrent loans | 356.0074% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 2,603 |
| Noncurrent loans to loans | 0.3795% | 2,735 |
| Net loans and leases to total assets | 79.4507% | 369 |
| Net loans and leases to deposits | 93.7178% | 509 |
| Net loans and leases to core deposits | 135.5571% | 110 |
| Total domestic deposits to total assets | 84.7766% | 3,193 |
| Equity capital to assets | 11.8952% | 1,339 |
| Core capital (leverage) ratio | 11.9920% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6058% | 1,406 |
| Memoranda: | ||
| Average total assets | $176,401,000 | 3,274 |
| Average earning assets | $170,088,500 | 3,213 |
| Average equity | $20,661,000 | 3,185 |
| Average total loans | $145,799,500 | 2,737 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 1,271 |
| Cost of funding earning assets | 0.9022% | 850 |
| Net interest margin | 3.6132% | 2,096 |
| Noninterest income to average assets | 2.5778% | 235 |
| Noninterest expense to average assets | 2.7687% | 2,021 |
| Loan and lease loss provision to assets | 0.2200% | 1,779 |
| Net operating income to assets | 2.8347% | 107 |
| Return on assets (ROA) | 2.8347% | 109 |
| Pretax return on assets | 3.0779% | 117 |
| Return on Equity (ROE) | 23.6903% | 128 |
| Retained earnings to average equity (ytd only) | 6.2965% | 1,663 |
| Net charge-offs to loans | 0.1760% | 952 |
| Credit loss provision to net charge-offs | 145.0980% | 2,456 |
| Earnings coverage of net charge-offs (x) | 21.7490% | 1,883 |
| Efficiency ratio | 45.6381% | 4,732 |
| Assets per employee ($millions) | 6.5110% | 1,914 |
| Cash dividends to net income (ytd only)* | 73.4214% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 2,559 |
| Loan loss allowance to noncurrent loans | 344.7273% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 2,745 |
| Noncurrent loans to loans | 0.3690% | 2,876 |
| Net loans and leases to total assets | 83.7017% | 192 |
| Net loans and leases to deposits | 98.3833% | 445 |
| Net loans and leases to core deposits | 143.5011% | 108 |
| Total domestic deposits to total assets | 85.0772% | 2,731 |
| Equity capital to assets | 11.5286% | 1,863 |
| Core capital (leverage) ratio | 11.4780% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4508% | 1,698 |
| Memoranda: | ||
| Average total assets | $168,165,000 | 3,211 |
| Average earning assets | $162,377,200 | 3,143 |
| Average equity | $20,122,200 | 3,180 |
| Average total loans | $144,903,800 | 2,711 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,374 |
| Cost of funding earning assets | 0.9402% | 933 |
| Net interest margin | 3.6372% | 2,130 |
| Noninterest income to average assets | 2.5077% | 239 |
| Noninterest expense to average assets | 2.8854% | 1,738 |
| Loan and lease loss provision to assets | 0.0722% | 3,422 |
| Net operating income to assets | 2.8277% | 107 |
| Return on assets (ROA) | 2.8277% | 112 |
| Pretax return on assets | 3.0683% | 117 |
| Return on Equity (ROE) | 23.4054% | 142 |
| Retained earnings to average equity (ytd only) | 16.4356% | 143 |
| Net charge-offs to loans | 0.0019% | 3,142 |
| Credit loss provision to net charge-offs | 4,500.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 1,958.0000% | 57 |
| Efficiency ratio | 47.8839% | 4,613 |
| Assets per employee ($millions) | 6.6472% | 1,717 |
| Cash dividends to net income (ytd only)* | 29.7788% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 87.3545% | 96 |
| Net loans and leases to deposits | 104.1473% | 382 |
| Net loans and leases to core deposits | 166.2076% | 69 |
| Total domestic deposits to total assets | 83.8759% | 2,856 |
| Equity capital to assets | 12.4459% | 1,450 |
| Core capital (leverage) ratio | 12.4314% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3483% | 1,410 |
| Memoranda: | ||
| Average total assets | $166,256,750 | 3,206 |
| Average earning assets | $160,817,000 | 3,143 |
| Average equity | $20,086,000 | 3,176 |
| Average total loans | $143,869,250 | 2,718 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,576 |
| Cost of funding earning assets | 0.9885% | 1,021 |
| Net interest margin | 3.6464% | 2,327 |
| Noninterest income to average assets | 2.1516% | 268 |
| Noninterest expense to average assets | 2.8818% | 1,876 |
| Loan and lease loss provision to assets | 0.0731% | 3,385 |
| Net operating income to assets | 2.5112% | 136 |
| Return on assets (ROA) | 2.5112% | 148 |
| Pretax return on assets | 2.7221% | 152 |
| Return on Equity (ROE) | 21.0083% | 199 |
| Retained earnings to average equity (ytd only) | 13.8695% | 288 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7623% | 4,462 |
| Assets per employee ($millions) | 6.1151% | 2,077 |
| Cash dividends to net income (ytd only)* | 33.9806% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 85.7421% | 150 |
| Net loans and leases to deposits | 101.3230% | 475 |
| Net loans and leases to core deposits | 165.5720% | 68 |
| Total domestic deposits to total assets | 84.6225% | 2,526 |
| Equity capital to assets | 11.9166% | 1,715 |
| Core capital (leverage) ratio | 12.1034% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0306% | 1,806 |
| Memoranda: | ||
| Average total assets | $164,066,333 | 3,208 |
| Average earning assets | $158,624,000 | 3,148 |
| Average equity | $19,611,333 | 3,215 |
| Average total loans | $140,878,333 | 2,740 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 1,425 |
| Cost of funding earning assets | 1.0576% | 1,192 |
| Net interest margin | 3.7390% | 2,183 |
| Noninterest income to average assets | 1.6375% | 339 |
| Noninterest expense to average assets | 2.8887% | 2,155 |
| Loan and lease loss provision to assets | 0.0748% | 2,803 |
| Net operating income to assets | 2.1360% | 209 |
| Return on assets (ROA) | 2.1360% | 231 |
| Pretax return on assets | 2.2781% | 247 |
| Return on Equity (ROE) | 17.8402% | 283 |
| Retained earnings to average equity (ytd only) | 10.5543% | 633 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1117% | 4,293 |
| Assets per employee ($millions) | 5.7099% | 1,920 |
| Cash dividends to net income (ytd only)* | 40.8401% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 84.8635% | 215 |
| Net loans and leases to deposits | 97.6150% | 770 |
| Net loans and leases to core deposits | 153.8927% | 100 |
| Total domestic deposits to total assets | 86.9369% | 1,585 |
| Equity capital to assets | 12.1724% | 1,942 |
| Core capital (leverage) ratio | 12.1974% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4488% | 2,096 |
| Memoranda: | ||
| Average total assets | $160,487,500 | 3,213 |
| Average earning assets | $154,692,000 | 3,148 |
| Average equity | $19,215,000 | 3,253 |
| Average total loans | $136,991,500 | 2,753 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 1,336 |
| Cost of funding earning assets | 1.0857% | 1,385 |
| Net interest margin | 3.9685% | 1,947 |
| Noninterest income to average assets | 0.8198% | 1,386 |
| Noninterest expense to average assets | 2.3650% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0166% | 339 |
| Return on assets (ROA) | 2.0166% | 353 |
| Pretax return on assets | 2.2612% | 338 |
| Return on Equity (ROE) | 16.3889% | 496 |
| Retained earnings to average equity (ytd only) | 4.7017% | 2,585 |
| Net charge-offs to loans | -0.0015% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1219% | 4,659 |
| Assets per employee ($millions) | 6.1960% | 1,489 |
| Cash dividends to net income (ytd only)* | 71.3115% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 1,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 83.6223% | 354 |
| Net loans and leases to deposits | 95.9788% | 944 |
| Net loans and leases to core deposits | 163.1955% | 76 |
| Total domestic deposits to total assets | 87.1258% | 1,548 |
| Equity capital to assets | 11.7749% | 2,302 |
| Core capital (leverage) ratio | 12.0432% | 1,747 |
| Tier 1 risk-based capital ratio | 13.2988% | 3,632 |
| Total risk-based capital ratio | 14.5485% | 3,513 |
| Memoranda: | ||
| Average total assets | $151,247,400 | 3,282 |
| Average earning assets | $145,068,600 | 3,218 |
| Average equity | $18,610,200 | 3,268 |
| Average total loans | $133,180,600 | 2,790 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 1,393 |
| Cost of funding earning assets | 1.0822% | 1,419 |
| Net interest margin | 3.9768% | 2,032 |
| Noninterest income to average assets | 0.8952% | 1,152 |
| Noninterest expense to average assets | 2.5235% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9061% | 485 |
| Return on assets (ROA) | 1.9061% | 503 |
| Pretax return on assets | 2.1883% | 462 |
| Return on Equity (ROE) | 15.3124% | 713 |
| Retained earnings to average equity (ytd only) | 8.4733% | 1,214 |
| Net charge-offs to loans | -0.0020% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5565% | 4,442 |
| Assets per employee ($millions) | 5.7408% | 1,809 |
| Cash dividends to net income (ytd only)* | 44.6640% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 2,006 |
| Loan loss allowance to noncurrent loans | 2,120.2381% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 4,438 |
| Noncurrent loans to loans | 0.0609% | 4,366 |
| Net loans and leases to total assets | 87.8860% | 97 |
| Net loans and leases to deposits | 102.8043% | 458 |
| Net loans and leases to core deposits | 181.6721% | 57 |
| Total domestic deposits to total assets | 85.4886% | 2,215 |
| Equity capital to assets | 12.4211% | 1,971 |
| Core capital (leverage) ratio | 12.6546% | 1,503 |
| Tier 1 risk-based capital ratio | 14.9443% | 2,873 |
| Total risk-based capital ratio | 16.1954% | 2,805 |
| Memoranda: | ||
| Average total assets | $148,785,000 | 3,348 |
| Average earning assets | $142,792,000 | 3,274 |
| Average equity | $18,520,500 | 3,298 |
| Average total loans | $132,352,250 | 2,830 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0250% | 1,414 |
| Cost of funding earning assets | 1.0511% | 1,493 |
| Net interest margin | 3.9739% | 2,003 |
| Noninterest income to average assets | 0.8711% | 1,151 |
| Noninterest expense to average assets | 2.5846% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7817% | 621 |
| Return on assets (ROA) | 1.7817% | 641 |
| Pretax return on assets | 2.0953% | 557 |
| Return on Equity (ROE) | 14.3027% | 916 |
| Retained earnings to average equity (ytd only) | 6.9160% | 1,851 |
| Net charge-offs to loans | -0.0031% | 4,031 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2287% | 4,343 |
| Assets per employee ($millions) | 5.6091% | 1,866 |
| Cash dividends to net income (ytd only)* | 51.6450% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,898 |
| Loan loss allowance to noncurrent loans | 1,319.2593% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,328 |
| Noncurrent loans to loans | 0.1006% | 4,224 |
| Net loans and leases to total assets | 87.4648% | 134 |
| Net loans and leases to deposits | 101.1369% | 600 |
| Net loans and leases to core deposits | 171.7475% | 68 |
| Total domestic deposits to total assets | 86.4817% | 1,826 |
| Equity capital to assets | 12.3523% | 1,937 |
| Core capital (leverage) ratio | 12.7929% | 1,409 |
| Tier 1 risk-based capital ratio | 13.8455% | 3,397 |
| Total risk-based capital ratio | 15.0965% | 3,299 |
| Memoranda: | ||
| Average total assets | $146,712,670 | 3,391 |
| Average earning assets | $140,618,000 | 3,319 |
| Average equity | $18,276,330 | 3,322 |
| Average total loans | $130,467,670 | 2,863 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 1,303 |
| Cost of funding earning assets | 1.0169% | 1,498 |
| Net interest margin | 3.9982% | 1,859 |
| Noninterest income to average assets | 0.8646% | 1,130 |
| Noninterest expense to average assets | 2.6935% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5879% | 920 |
| Return on assets (ROA) | 1.5879% | 947 |
| Pretax return on assets | 2.0063% | 636 |
| Return on Equity (ROE) | 12.6903% | 1,328 |
| Retained earnings to average equity (ytd only) | 3.8315% | 3,387 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3113% | 4,167 |
| Assets per employee ($millions) | 5.6312% | 1,856 |
| Cash dividends to net income (ytd only)* | 69.8080% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 1,792 |
| Loan loss allowance to noncurrent loans | 2,044.8276% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,524 |
| Noncurrent loans to loans | 0.0669% | 4,459 |
| Net loans and leases to total assets | 87.6007% | 114 |
| Net loans and leases to deposits | 101.2776% | 545 |
| Net loans and leases to core deposits | 368.3535% | 17 |
| Total domestic deposits to total assets | 86.4956% | 2,072 |
| Equity capital to assets | 12.4198% | 1,784 |
| Core capital (leverage) ratio | 12.6951% | 1,406 |
| Tier 1 risk-based capital ratio | 14.1405% | 3,281 |
| Total risk-based capital ratio | 15.3922% | 3,196 |
| Memoranda: | ||
| Average total assets | $144,346,000 | 3,456 |
| Average earning assets | $138,462,500 | 3,390 |
| Average equity | $18,061,000 | 3,347 |
| Average total loans | $128,580,000 | 2,920 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 1,329 |
| Cost of funding earning assets | 0.8091% | 1,477 |
| Net interest margin | 4.0770% | 1,755 |
| Noninterest income to average assets | 0.8742% | 1,253 |
| Noninterest expense to average assets | 2.7054% | 3,008 |
| Loan and lease loss provision to assets | 0.0841% | 2,449 |
| Net operating income to assets | 2.0106% | 354 |
| Return on assets (ROA) | 2.0106% | 351 |
| Pretax return on assets | 2.0128% | 550 |
| Return on Equity (ROE) | 16.0696% | 621 |
| Retained earnings to average equity (ytd only) | 2.9024% | 3,948 |
| Net charge-offs to loans | 0.0632% | 2,219 |
| Credit loss provision to net charge-offs | 151.8987% | 1,809 |
| Earnings coverage of net charge-offs (x) | 37.8608% | 1,367 |
| Efficiency ratio | 56.3358% | 4,367 |
| Assets per employee ($millions) | 5.4723% | 1,982 |
| Cash dividends to net income (ytd only)* | 81.9386% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,642 |
| Loan loss allowance to noncurrent loans | 5,559.3750% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,765 |
| Noncurrent loans to loans | 0.0252% | 4,665 |
| Net loans and leases to total assets | 88.0968% | 117 |
| Net loans and leases to deposits | 102.0351% | 590 |
| Net loans and leases to core deposits | 289.7212% | 27 |
| Total domestic deposits to total assets | 86.3397% | 2,075 |
| Equity capital to assets | 12.6074% | 1,534 |
| Core capital (leverage) ratio | 12.5920% | 1,413 |
| Tier 1 risk-based capital ratio | 12.9622% | 3,864 |
| Total risk-based capital ratio | 14.2121% | 3,755 |
| Memoranda: | ||
| Average total assets | $142,640,600 | 3,465 |
| Average earning assets | $137,430,600 | 3,392 |
| Average equity | $17,847,400 | 3,311 |
| Average total loans | $125,037,600 | 2,937 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 1,380 |
| Cost of funding earning assets | 0.7961% | 1,361 |
| Net interest margin | 4.0220% | 1,888 |
| Noninterest income to average assets | 0.9080% | 1,174 |
| Noninterest expense to average assets | 2.7408% | 2,837 |
| Loan and lease loss provision to assets | 0.0841% | 2,284 |
| Net operating income to assets | 1.9664% | 415 |
| Return on assets (ROA) | 1.9664% | 410 |
| Pretax return on assets | 1.9673% | 680 |
| Return on Equity (ROE) | 15.7455% | 739 |
| Retained earnings to average equity (ytd only) | 6.7695% | 2,251 |
| Net charge-offs to loans | 0.0846% | 1,667 |
| Credit loss provision to net charge-offs | 113.9241% | 2,066 |
| Earnings coverage of net charge-offs (x) | 27.7977% | 1,695 |
| Efficiency ratio | 57.1930% | 4,226 |
| Assets per employee ($millions) | 5.2739% | 2,149 |
| Cash dividends to net income (ytd only)* | 57.0071% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 1,714 |
| Loan loss allowance to noncurrent loans | 5,465.6250% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,878 |
| Noncurrent loans to loans | 0.0256% | 4,781 |
| Net loans and leases to total assets | 86.7250% | 207 |
| Net loans and leases to deposits | 100.7530% | 722 |
| Net loans and leases to core deposits | 168.2466% | 72 |
| Total domestic deposits to total assets | 86.0769% | 2,155 |
| Equity capital to assets | 12.8381% | 1,401 |
| Core capital (leverage) ratio | 12.8798% | 1,334 |
| Tier 1 risk-based capital ratio | 14.7397% | 2,998 |
| Total risk-based capital ratio | 15.9913% | 2,919 |
| Memoranda: | ||
| Average total assets | $142,730,500 | 3,507 |
| Average earning assets | $137,840,000 | 3,422 |
| Average equity | $17,824,750 | 3,337 |
| Average total loans | $124,516,000 | 2,975 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 1,467 |
| Cost of funding earning assets | 0.7779% | 1,237 |
| Net interest margin | 3.9371% | 2,079 |
| Noninterest income to average assets | 0.9101% | 1,154 |
| Noninterest expense to average assets | 2.7611% | 2,798 |
| Loan and lease loss provision to assets | 0.0840% | 2,235 |
| Net operating income to assets | 1.8636% | 509 |
| Return on assets (ROA) | 1.8636% | 509 |
| Pretax return on assets | 1.8636% | 857 |
| Return on Equity (ROE) | 15.0628% | 836 |
| Retained earnings to average equity (ytd only) | 6.0093% | 2,555 |
| Net charge-offs to loans | 0.0547% | 1,819 |
| Credit loss provision to net charge-offs | 176.4706% | 1,411 |
| Earnings coverage of net charge-offs (x) | 40.9118% | 1,271 |
| Efficiency ratio | 58.6381% | 4,131 |
| Assets per employee ($millions) | 5.3552% | 2,038 |
| Cash dividends to net income (ytd only)* | 60.1052% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 1,712 |
| Loan loss allowance to noncurrent loans | 418.0095% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 3,601 |
| Noncurrent loans to loans | 0.3378% | 3,489 |
| Net loans and leases to total assets | 85.1899% | 333 |
| Net loans and leases to deposits | 98.3127% | 948 |
| Net loans and leases to core deposits | 169.9696% | 62 |
| Total domestic deposits to total assets | 86.6520% | 1,992 |
| Equity capital to assets | 12.4164% | 1,586 |
| Core capital (leverage) ratio | 12.6202% | 1,373 |
| Tier 1 risk-based capital ratio | 14.6239% | 3,056 |
| Total risk-based capital ratio | 15.8761% | 2,973 |
| Memoranda: | ||
| Average total assets | $142,842,000 | 3,530 |
| Average earning assets | $137,815,670 | 3,444 |
| Average equity | $17,672,670 | 3,371 |
| Average total loans | $124,274,000 | 2,987 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 1,466 |
| Cost of funding earning assets | 0.7409% | 1,228 |
| Net interest margin | 3.8978% | 2,055 |
| Noninterest income to average assets | 0.8002% | 1,454 |
| Noninterest expense to average assets | 2.7358% | 2,922 |
| Loan and lease loss provision to assets | 0.0845% | 2,116 |
| Net operating income to assets | 1.7272% | 648 |
| Return on assets (ROA) | 1.7272% | 656 |
| Pretax return on assets | 1.7300% | 1,043 |
| Return on Equity (ROE) | 13.9855% | 1,018 |
| Retained earnings to average equity (ytd only) | 4.8595% | 3,239 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1238% | 4,048 |
| Assets per employee ($millions) | 5.3337% | 2,109 |
| Cash dividends to net income (ytd only)* | 65.2529% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 1,698 |
| Loan loss allowance to noncurrent loans | 241.5301% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 2,832 |
| Noncurrent loans to loans | 0.5955% | 2,757 |
| Net loans and leases to total assets | 84.1297% | 429 |
| Net loans and leases to deposits | 96.8032% | 952 |
| Net loans and leases to core deposits | 152.0265% | 113 |
| Total domestic deposits to total assets | 86.9079% | 2,166 |
| Equity capital to assets | 12.2386% | 1,644 |
| Core capital (leverage) ratio | 12.6715% | 1,306 |
| Tier 1 risk-based capital ratio | 14.8641% | 2,942 |
| Total risk-based capital ratio | 16.1170% | 2,876 |
| Memoranda: | ||
| Average total assets | $141,967,500 | 3,577 |
| Average earning assets | $136,591,000 | 3,497 |
| Average equity | $17,532,500 | 3,414 |
| Average total loans | $123,940,500 | 3,015 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 1,405 |
| Cost of funding earning assets | 0.7277% | 897 |
| Net interest margin | 3.8798% | 2,153 |
| Noninterest income to average assets | 0.8737% | 1,350 |
| Noninterest expense to average assets | 2.5140% | 3,735 |
| Loan and lease loss provision to assets | 0.0862% | 2,470 |
| Net operating income to assets | 2.0032% | 283 |
| Return on assets (ROA) | 2.0032% | 287 |
| Pretax return on assets | 2.0125% | 475 |
| Return on Equity (ROE) | 15.9837% | 486 |
| Retained earnings to average equity (ytd only) | 2.2244% | 3,991 |
| Net charge-offs to loans | 0.0016% | 4,063 |
| Credit loss provision to net charge-offs | 6,000.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 1,460.5000% | 49 |
| Efficiency ratio | 54.5016% | 4,908 |
| Assets per employee ($millions) | 4.9973% | 2,479 |
| Cash dividends to net income (ytd only)* | 86.0832% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,803 |
| Loan loss allowance to noncurrent loans | 422.8710% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,711 |
| Noncurrent loans to loans | 0.3289% | 3,593 |
| Net loans and leases to total assets | 88.0614% | 135 |
| Net loans and leases to deposits | 101.6868% | 621 |
| Net loans and leases to core deposits | 169.2290% | 65 |
| Total domestic deposits to total assets | 86.6006% | 2,189 |
| Equity capital to assets | 12.4639% | 1,539 |
| Core capital (leverage) ratio | 12.4222% | 1,391 |
| Tier 1 risk-based capital ratio | 14.8811% | 2,897 |
| Total risk-based capital ratio | 16.1336% | 2,836 |
| Memoranda: | ||
| Average total assets | $139,178,600 | 3,622 |
| Average earning assets | $134,130,200 | 3,542 |
| Average equity | $17,442,800 | 3,440 |
| Average total loans | $121,807,800 | 3,033 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 1,483 |
| Cost of funding earning assets | 0.7189% | 888 |
| Net interest margin | 3.8369% | 2,255 |
| Noninterest income to average assets | 0.8681% | 1,380 |
| Noninterest expense to average assets | 2.5363% | 3,604 |
| Loan and lease loss provision to assets | 0.0863% | 2,363 |
| Net operating income to assets | 1.9415% | 353 |
| Return on assets (ROA) | 1.9415% | 355 |
| Pretax return on assets | 1.9521% | 605 |
| Return on Equity (ROE) | 15.4705% | 594 |
| Retained earnings to average equity (ytd only) | 6.2983% | 2,061 |
| Net charge-offs to loans | -0.0011% | 4,276 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4414% | 4,797 |
| Assets per employee ($millions) | 4.9456% | 2,517 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 1,925 |
| Loan loss allowance to noncurrent loans | 1,171.9178% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,716 |
| Noncurrent loans to loans | 0.1187% | 4,582 |
| Net loans and leases to total assets | 87.5504% | 172 |
| Net loans and leases to deposits | 101.6586% | 640 |
| Net loans and leases to core deposits | 176.8194% | 58 |
| Total domestic deposits to total assets | 86.1220% | 2,259 |
| Equity capital to assets | 12.9342% | 1,422 |
| Core capital (leverage) ratio | 12.9224% | 1,243 |
| Tier 1 risk-based capital ratio | 16.1532% | 2,436 |
| Total risk-based capital ratio | 17.4068% | 2,384 |
| Memoranda: | ||
| Average total assets | $138,992,250 | 3,664 |
| Average earning assets | $134,271,250 | 3,573 |
| Average equity | $17,443,500 | 3,471 |
| Average total loans | $121,020,500 | 3,065 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 1,542 |
| Cost of funding earning assets | 0.7043% | 875 |
| Net interest margin | 3.7853% | 2,344 |
| Noninterest income to average assets | 0.8709% | 1,363 |
| Noninterest expense to average assets | 2.5466% | 3,595 |
| Loan and lease loss provision to assets | 0.0862% | 2,261 |
| Net operating income to assets | 1.8769% | 389 |
| Return on assets (ROA) | 1.8769% | 402 |
| Pretax return on assets | 1.8913% | 673 |
| Return on Equity (ROE) | 15.1090% | 643 |
| Retained earnings to average equity (ytd only) | 5.8539% | 2,197 |
| Net charge-offs to loans | -0.0017% | 4,168 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2897% | 4,796 |
| Assets per employee ($millions) | 5.1471% | 2,213 |
| Cash dividends to net income (ytd only)* | 61.2557% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,982 |
| Loan loss allowance to noncurrent loans | 778.2407% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,560 |
| Noncurrent loans to loans | 0.1788% | 4,404 |
| Net loans and leases to total assets | 85.6936% | 293 |
| Net loans and leases to deposits | 99.0658% | 809 |
| Net loans and leases to core deposits | 170.9751% | 67 |
| Total domestic deposits to total assets | 86.5017% | 2,165 |
| Equity capital to assets | 12.6564% | 1,542 |
| Core capital (leverage) ratio | 12.8068% | 1,253 |
| Tier 1 risk-based capital ratio | 16.3990% | 2,360 |
| Total risk-based capital ratio | 17.6533% | 2,305 |
| Memoranda: | ||
| Average total assets | $139,163,670 | 3,680 |
| Average earning assets | $134,310,330 | 3,587 |
| Average equity | $17,287,670 | 3,499 |
| Average total loans | $120,377,670 | 3,083 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4705% | 1,446 |
| Cost of funding earning assets | 0.6864% | 901 |
| Net interest margin | 3.7841% | 2,168 |
| Noninterest income to average assets | 0.6492% | 2,181 |
| Noninterest expense to average assets | 2.4673% | 3,913 |
| Loan and lease loss provision to assets | 0.0862% | 2,094 |
| Net operating income to assets | 1.7148% | 534 |
| Return on assets (ROA) | 1.7148% | 544 |
| Pretax return on assets | 1.7378% | 923 |
| Return on Equity (ROE) | 13.9348% | 822 |
| Retained earnings to average equity (ytd only) | 4.5982% | 3,126 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4967% | 4,778 |
| Assets per employee ($millions) | 5.0735% | 2,344 |
| Cash dividends to net income (ytd only)* | 67.0017% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 2,164 |
| Loan loss allowance to noncurrent loans | 389.1509% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 3,950 |
| Noncurrent loans to loans | 0.3545% | 3,825 |
| Net loans and leases to total assets | 86.1138% | 214 |
| Net loans and leases to deposits | 99.4310% | 650 |
| Net loans and leases to core deposits | 173.3756% | 53 |
| Total domestic deposits to total assets | 86.6066% | 2,397 |
| Equity capital to assets | 12.5985% | 1,463 |
| Core capital (leverage) ratio | 12.4808% | 1,350 |
| Tier 1 risk-based capital ratio | 16.1488% | 2,486 |
| Total risk-based capital ratio | 17.4022% | 2,438 |
| Memoranda: | ||
| Average total assets | $139,259,000 | 3,706 |
| Average earning assets | $134,033,500 | 3,625 |
| Average equity | $17,137,000 | 3,532 |
| Average total loans | $120,180,500 | 3,105 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 1,109 |
| Cost of funding earning assets | 0.6356% | 1,135 |
| Net interest margin | 4.0383% | 1,531 |
| Noninterest income to average assets | 1.1620% | 840 |
| Noninterest expense to average assets | 2.7920% | 3,048 |
| Loan and lease loss provision to assets | -0.1659% | 5,753 |
| Net operating income to assets | 2.4194% | 163 |
| Return on assets (ROA) | 2.4194% | 165 |
| Pretax return on assets | 2.4194% | 226 |
| Return on Equity (ROE) | 18.9685% | 266 |
| Retained earnings to average equity (ytd only) | 4.4185% | 2,770 |
| Net charge-offs to loans | 0.0571% | 2,909 |
| Credit loss provision to net charge-offs | -331.8182% | 5,098 |
| Earnings coverage of net charge-offs (x) | 45.0758% | 1,080 |
| Efficiency ratio | 55.3370% | 5,124 |
| Assets per employee ($millions) | 5.2420% | 2,123 |
| Cash dividends to net income (ytd only)* | 76.7063% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,333 |
| Loan loss allowance to noncurrent loans | 400.9901% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 4,134 |
| Noncurrent loans to loans | 0.3346% | 3,941 |
| Net loans and leases to total assets | 84.1698% | 369 |
| Net loans and leases to deposits | 96.6438% | 941 |
| Net loans and leases to core deposits | 167.0565% | 67 |
| Total domestic deposits to total assets | 87.0928% | 2,090 |
| Equity capital to assets | 12.0226% | 1,782 |
| Core capital (leverage) ratio | 12.3033% | 1,430 |
| Tier 1 risk-based capital ratio | 14.0459% | 3,442 |
| Total risk-based capital ratio | 15.2972% | 3,351 |
| Memoranda: | ||
| Average total assets | $132,018,400 | 3,798 |
| Average earning assets | $126,960,400 | 3,704 |
| Average equity | $16,838,400 | 3,571 |
| Average total loans | $115,651,800 | 3,134 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 1,054 |
| Cost of funding earning assets | 0.6195% | 1,209 |
| Net interest margin | 4.0846% | 1,421 |
| Noninterest income to average assets | 1.1581% | 851 |
| Noninterest expense to average assets | 2.8067% | 2,983 |
| Loan and lease loss provision to assets | 0.0926% | 2,380 |
| Net operating income to assets | 2.1917% | 251 |
| Return on assets (ROA) | 2.1917% | 262 |
| Pretax return on assets | 2.1917% | 395 |
| Return on Equity (ROE) | 16.9183% | 453 |
| Retained earnings to average equity (ytd only) | 7.7883% | 1,262 |
| Net charge-offs to loans | 0.0058% | 3,703 |
| Credit loss provision to net charge-offs | 1,800.0000% | 259 |
| Earnings coverage of net charge-offs (x) | 443.9670% | 200 |
| Efficiency ratio | 55.1313% | 5,145 |
| Assets per employee ($millions) | 5.0387% | 2,323 |
| Cash dividends to net income (ytd only)* | 53.9655% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 1,387 |
| Loan loss allowance to noncurrent loans | 1,081.5217% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 4,890 |
| Noncurrent loans to loans | 0.1506% | 4,744 |
| Net loans and leases to total assets | 88.3383% | 117 |
| Net loans and leases to deposits | 102.3715% | 544 |
| Net loans and leases to core deposits | 205.7789% | 42 |
| Total domestic deposits to total assets | 86.2919% | 2,221 |
| Equity capital to assets | 12.7429% | 1,627 |
| Core capital (leverage) ratio | 13.0298% | 1,184 |
| Tier 1 risk-based capital ratio | 14.2063% | 3,457 |
| Total risk-based capital ratio | 15.4610% | 3,378 |
| Memoranda: | ||
| Average total assets | $129,639,750 | 3,862 |
| Average earning assets | $124,823,750 | 3,760 |
| Average equity | $16,794,000 | 3,607 |
| Average total loans | $114,377,750 | 3,164 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 1,069 |
| Cost of funding earning assets | 0.5923% | 1,378 |
| Net interest margin | 4.0974% | 1,367 |
| Noninterest income to average assets | 1.0651% | 986 |
| Noninterest expense to average assets | 2.9097% | 2,644 |
| Loan and lease loss provision to assets | 0.0941% | 2,273 |
| Net operating income to assets | 1.9999% | 331 |
| Return on assets (ROA) | 1.9999% | 345 |
| Pretax return on assets | 1.9999% | 570 |
| Return on Equity (ROE) | 15.3491% | 634 |
| Retained earnings to average equity (ytd only) | 6.3202% | 1,951 |
| Net charge-offs to loans | 0.0089% | 3,398 |
| Credit loss provision to net charge-offs | 1,200.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 254 |
| Efficiency ratio | 58.1505% | 4,883 |
| Assets per employee ($millions) | 4.8897% | 2,428 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 1,347 |
| Loan loss allowance to noncurrent loans | 616.3522% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 4,530 |
| Noncurrent loans to loans | 0.2706% | 4,396 |
| Net loans and leases to total assets | 87.5316% | 167 |
| Net loans and leases to deposits | 101.4280% | 602 |
| Net loans and leases to core deposits | 177.4640% | 58 |
| Total domestic deposits to total assets | 86.2993% | 2,270 |
| Equity capital to assets | 12.8070% | 1,608 |
| Core capital (leverage) ratio | 13.6614% | 923 |
| Tier 1 risk-based capital ratio | 14.5713% | 3,282 |
| Total risk-based capital ratio | 15.8263% | 3,207 |
| Memoranda: | ||
| Average total assets | $127,505,000 | 3,925 |
| Average earning assets | $122,567,000 | 3,834 |
| Average equity | $16,613,330 | 3,642 |
| Average total loans | $111,780,670 | 3,213 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7231% | 999 |
| Cost of funding earning assets | 0.5650% | 1,580 |
| Net interest margin | 4.1581% | 1,197 |
| Noninterest income to average assets | 0.8910% | 1,337 |
| Noninterest expense to average assets | 2.9254% | 2,617 |
| Loan and lease loss provision to assets | 0.0958% | 2,093 |
| Net operating income to assets | 1.8651% | 426 |
| Return on assets (ROA) | 1.8651% | 454 |
| Pretax return on assets | 1.8651% | 744 |
| Return on Equity (ROE) | 14.1868% | 802 |
| Retained earnings to average equity (ytd only) | 5.6844% | 2,538 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8693% | 4,765 |
| Assets per employee ($millions) | 4.5299% | 3,016 |
| Cash dividends to net income (ytd only)* | 59.9315% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 1,210 |
| Loan loss allowance to noncurrent loans | 755.8594% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,499 |
| Noncurrent loans to loans | 0.2343% | 4,594 |
| Net loans and leases to total assets | 87.7430% | 129 |
| Net loans and leases to deposits | 102.5192% | 486 |
| Net loans and leases to core deposits | 164.3541% | 70 |
| Total domestic deposits to total assets | 85.5870% | 2,871 |
| Equity capital to assets | 13.5652% | 1,151 |
| Core capital (leverage) ratio | 13.5470% | 967 |
| Tier 1 risk-based capital ratio | 15.5268% | 2,899 |
| Total risk-based capital ratio | 16.7836% | 2,831 |
| Memoranda: | ||
| Average total assets | $125,246,500 | 3,989 |
| Average earning assets | $120,344,500 | 3,900 |
| Average equity | $16,466,000 | 3,666 |
| Average total loans | $108,910,500 | 3,259 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 1,090 |
| Cost of funding earning assets | 0.5752% | 1,546 |
| Net interest margin | 4.1315% | 1,337 |
| Noninterest income to average assets | 1.0680% | 1,029 |
| Noninterest expense to average assets | 2.7889% | 3,278 |
| Loan and lease loss provision to assets | -0.6947% | 6,154 |
| Net operating income to assets | 2.9254% | 92 |
| Return on assets (ROA) | 2.9254% | 91 |
| Pretax return on assets | 2.9254% | 119 |
| Return on Equity (ROE) | 22.9082% | 139 |
| Retained earnings to average equity (ytd only) | 0.9643% | 5,133 |
| Net charge-offs to loans | -0.0037% | 4,932 |
| Credit loss provision to net charge-offs | 22,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5591% | 5,391 |
| Assets per employee ($millions) | 4.5781% | 2,915 |
| Cash dividends to net income (ytd only)* | 95.7906% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 1,232 |
| Loan loss allowance to noncurrent loans | 915.8654% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 4,742 |
| Noncurrent loans to loans | 0.1916% | 4,718 |
| Net loans and leases to total assets | 83.2112% | 466 |
| Net loans and leases to deposits | 96.3907% | 972 |
| Net loans and leases to core deposits | 152.6570% | 100 |
| Total domestic deposits to total assets | 86.3270% | 2,478 |
| Equity capital to assets | 12.7478% | 1,493 |
| Core capital (leverage) ratio | 13.0591% | 1,132 |
| Tier 1 risk-based capital ratio | 15.1456% | 3,108 |
| Total risk-based capital ratio | 16.4024% | 3,034 |
| Memoranda: | ||
| Average total assets | $126,681,800 | 3,949 |
| Average earning assets | $121,168,000 | 3,859 |
| Average equity | $16,177,600 | 3,650 |
| Average total loans | $107,783,800 | 3,246 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 1,106 |
| Cost of funding earning assets | 0.5808% | 1,537 |
| Net interest margin | 4.1164% | 1,372 |
| Noninterest income to average assets | 1.1221% | 956 |
| Noninterest expense to average assets | 2.8153% | 3,123 |
| Loan and lease loss provision to assets | 0.0950% | 2,268 |
| Net operating income to assets | 2.1471% | 284 |
| Return on assets (ROA) | 2.1471% | 299 |
| Pretax return on assets | 2.1471% | 462 |
| Return on Equity (ROE) | 16.8059% | 490 |
| Retained earnings to average equity (ytd only) | 2.7597% | 4,461 |
| Net charge-offs to loans | 0.0074% | 3,905 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 353.9913% | 210 |
| Efficiency ratio | 55.6669% | 5,393 |
| Assets per employee ($millions) | 4.7776% | 2,587 |
| Cash dividends to net income (ytd only)* | 83.5792% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6128% | 374 |
| Loan loss allowance to noncurrent loans | 991.3495% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 4,619 |
| Noncurrent loans to loans | 0.2636% | 4,634 |
| Net loans and leases to total assets | 82.7852% | 498 |
| Net loans and leases to deposits | 95.9332% | 1,010 |
| Net loans and leases to core deposits | 154.1842% | 90 |
| Total domestic deposits to total assets | 86.2947% | 2,390 |
| Equity capital to assets | 12.8145% | 1,553 |
| Core capital (leverage) ratio | 13.0907% | 1,170 |
| Tier 1 risk-based capital ratio | 15.2891% | 3,150 |
| Total risk-based capital ratio | 16.5563% | 3,068 |
| Memoranda: | ||
| Average total assets | $126,305,500 | 4,003 |
| Average earning assets | $120,751,000 | 3,908 |
| Average equity | $16,136,750 | 3,689 |
| Average total loans | $107,587,000 | 3,270 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 1,067 |
| Cost of funding earning assets | 0.5959% | 1,444 |
| Net interest margin | 4.1026% | 1,344 |
| Noninterest income to average assets | 1.0781% | 1,030 |
| Noninterest expense to average assets | 2.8706% | 2,996 |
| Loan and lease loss provision to assets | 0.0957% | 2,216 |
| Net operating income to assets | 2.0206% | 354 |
| Return on assets (ROA) | 2.0206% | 368 |
| Pretax return on assets | 2.0206% | 576 |
| Return on Equity (ROE) | 15.8319% | 629 |
| Retained earnings to average equity (ytd only) | -1.0371% | 5,695 |
| Net charge-offs to loans | 0.0112% | 3,514 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 221.1667% | 315 |
| Efficiency ratio | 57.5632% | 5,271 |
| Assets per employee ($millions) | 4.6004% | 2,828 |
| Cash dividends to net income (ytd only)* | 106.5509% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6307% | 409 |
| Loan loss allowance to noncurrent loans | 1,124.6032% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 3,804 |
| Noncurrent loans to loans | 0.2339% | 4,833 |
| Net loans and leases to total assets | 84.4473% | 343 |
| Net loans and leases to deposits | 98.0006% | 791 |
| Net loans and leases to core deposits | 165.4996% | 68 |
| Total domestic deposits to total assets | 86.1702% | 2,594 |
| Equity capital to assets | 12.9482% | 1,430 |
| Core capital (leverage) ratio | 12.9244% | 1,199 |
| Tier 1 risk-based capital ratio | 15.7859% | 2,962 |
| Total risk-based capital ratio | 17.0550% | 2,912 |
| Memoranda: | ||
| Average total assets | $125,409,330 | 4,050 |
| Average earning assets | $119,484,670 | 3,959 |
| Average equity | $16,005,670 | 3,728 |
| Average total loans | $106,898,330 | 3,301 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6673% | 1,096 |
| Cost of funding earning assets | 0.5976% | 1,454 |
| Net interest margin | 4.0697% | 1,354 |
| Noninterest income to average assets | 1.0031% | 1,117 |
| Noninterest expense to average assets | 2.9204% | 2,832 |
| Loan and lease loss provision to assets | 0.0952% | 2,095 |
| Net operating income to assets | 1.8570% | 437 |
| Return on assets (ROA) | 1.8570% | 466 |
| Pretax return on assets | 1.8570% | 782 |
| Return on Equity (ROE) | 14.6552% | 760 |
| Retained earnings to average equity (ytd only) | -10.3964% | 6,146 |
| Net charge-offs to loans | 0.0263% | 2,644 |
| Credit loss provision to net charge-offs | 428.5714% | 618 |
| Earnings coverage of net charge-offs (x) | 87.8571% | 546 |
| Efficiency ratio | 59.9349% | 5,094 |
| Assets per employee ($millions) | 4.6198% | 2,876 |
| Cash dividends to net income (ytd only)* | 170.9402% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6739% | 419 |
| Loan loss allowance to noncurrent loans | 1,108.3004% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 3,626 |
| Noncurrent loans to loans | 0.2413% | 4,915 |
| Net loans and leases to total assets | 81.8239% | 481 |
| Net loans and leases to deposits | 94.4722% | 937 |
| Net loans and leases to core deposits | 161.8481% | 76 |
| Total domestic deposits to total assets | 86.6116% | 2,596 |
| Equity capital to assets | 12.6412% | 1,604 |
| Core capital (leverage) ratio | 8.6361% | 5,388 |
| Tier 1 risk-based capital ratio | 13.0858% | 4,559 |
| Total risk-based capital ratio | 14.6357% | 4,299 |
| Memoranda: | ||
| Average total assets | $126,009,000 | 4,063 |
| Average earning assets | $119,813,500 | 3,979 |
| Average equity | $15,967,000 | 3,752 |
| Average total loans | $106,484,500 | 3,329 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0929% | 646 |
| Cost of funding earning assets | 0.6067% | 1,712 |
| Net interest margin | 4.4862% | 769 |
| Noninterest income to average assets | 0.8332% | 1,736 |
| Noninterest expense to average assets | 2.7786% | 3,566 |
| Loan and lease loss provision to assets | 0.2028% | 1,249 |
| Net operating income to assets | 2.1008% | 273 |
| Return on assets (ROA) | 2.1008% | 281 |
| Pretax return on assets | 2.1008% | 413 |
| Return on Equity (ROE) | 16.0704% | 614 |
| Retained earnings to average equity (ytd only) | 5.7274% | 2,119 |
| Net charge-offs to loans | 0.0524% | 3,783 |
| Credit loss provision to net charge-offs | 436.3636% | 595 |
| Earnings coverage of net charge-offs (x) | 49.5636% | 931 |
| Efficiency ratio | 54.6724% | 5,789 |
| Assets per employee ($millions) | 4.7142% | 2,704 |
| Cash dividends to net income (ytd only)* | 64.3604% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5716% | 502 |
| Loan loss allowance to noncurrent loans | 608.3151% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 3,130 |
| Noncurrent loans to loans | 0.4227% | 4,372 |
| Net loans and leases to total assets | 82.7463% | 455 |
| Net loans and leases to deposits | 95.4531% | 946 |
| Net loans and leases to core deposits | 161.5765% | 78 |
| Total domestic deposits to total assets | 86.6879% | 2,461 |
| Equity capital to assets | 12.7008% | 1,538 |
| Core capital (leverage) ratio | 13.2115% | 1,054 |
| Tier 1 risk-based capital ratio | 14.9439% | 3,519 |
| Total risk-based capital ratio | 16.2101% | 3,448 |
| Memoranda: | ||
| Average total assets | $118,334,400 | 4,220 |
| Average earning assets | $112,077,000 | 4,131 |
| Average equity | $15,469,400 | 3,752 |
| Average total loans | $104,886,400 | 3,329 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 584 |
| Cost of funding earning assets | 0.5990% | 1,839 |
| Net interest margin | 4.5452% | 689 |
| Noninterest income to average assets | 0.8728% | 1,613 |
| Noninterest expense to average assets | 2.9032% | 3,102 |
| Loan and lease loss provision to assets | 0.2067% | 1,134 |
| Net operating income to assets | 2.0764% | 299 |
| Return on assets (ROA) | 2.0764% | 309 |
| Pretax return on assets | 2.0764% | 477 |
| Return on Equity (ROE) | 15.7605% | 704 |
| Retained earnings to average equity (ytd only) | 3.9924% | 3,813 |
| Net charge-offs to loans | -0.0038% | 5,261 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9787% | 5,666 |
| Assets per employee ($millions) | 4.5777% | 2,842 |
| Cash dividends to net income (ytd only)* | 74.6682% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5657% | 603 |
| Loan loss allowance to noncurrent loans | 297.7492% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 2,339 |
| Noncurrent loans to loans | 0.8617% | 3,415 |
| Net loans and leases to total assets | 88.6381% | 88 |
| Net loans and leases to deposits | 103.1846% | 444 |
| Net loans and leases to core deposits | 178.2844% | 54 |
| Total domestic deposits to total assets | 85.9025% | 2,897 |
| Equity capital to assets | 13.2397% | 1,308 |
| Core capital (leverage) ratio | 13.6575% | 942 |
| Tier 1 risk-based capital ratio | 14.9704% | 3,606 |
| Total risk-based capital ratio | 16.2372% | 3,523 |
| Memoranda: | ||
| Average total assets | $116,097,250 | 4,300 |
| Average earning assets | $110,180,500 | 4,215 |
| Average equity | $15,295,250 | 3,804 |
| Average total loans | $104,082,500 | 3,370 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 677 |
| Cost of funding earning assets | 0.5956% | 1,936 |
| Net interest margin | 4.4587% | 768 |
| Noninterest income to average assets | 0.8739% | 1,579 |
| Noninterest expense to average assets | 2.9760% | 2,916 |
| Loan and lease loss provision to assets | 0.2085% | 1,142 |
| Net operating income to assets | 1.9162% | 398 |
| Return on assets (ROA) | 1.9162% | 414 |
| Pretax return on assets | 1.9162% | 661 |
| Return on Equity (ROE) | 14.5697% | 863 |
| Retained earnings to average equity (ytd only) | 0.0396% | 5,666 |
| Net charge-offs to loans | -0.0351% | 5,740 |
| Credit loss provision to net charge-offs | -666.6667% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3447% | 5,511 |
| Assets per employee ($millions) | 4.4617% | 2,984 |
| Cash dividends to net income (ytd only)* | 99.7280% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5976% | 615 |
| Loan loss allowance to noncurrent loans | 249.1340% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.5336% | 2,123 |
| Noncurrent loans to loans | 1.0427% | 3,149 |
| Net loans and leases to total assets | 88.3401% | 89 |
| Net loans and leases to deposits | 102.7390% | 409 |
| Net loans and leases to core deposits | 168.8910% | 59 |
| Total domestic deposits to total assets | 85.9850% | 3,043 |
| Equity capital to assets | 13.1901% | 1,272 |
| Core capital (leverage) ratio | 13.3869% | 1,019 |
| Tier 1 risk-based capital ratio | 15.0563% | 3,604 |
| Total risk-based capital ratio | 16.3241% | 3,538 |
| Memoranda: | ||
| Average total assets | $115,122,670 | 4,351 |
| Average earning assets | $109,135,000 | 4,262 |
| Average equity | $15,141,000 | 3,832 |
| Average total loans | $102,684,670 | 3,400 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 702 |
| Cost of funding earning assets | 0.5925% | 2,045 |
| Net interest margin | 4.4162% | 777 |
| Noninterest income to average assets | 0.7987% | 1,756 |
| Noninterest expense to average assets | 3.0624% | 2,650 |
| Loan and lease loss provision to assets | 0.2616% | 803 |
| Net operating income to assets | 1.6602% | 606 |
| Return on assets (ROA) | 1.6602% | 636 |
| Pretax return on assets | 1.6602% | 1,048 |
| Return on Equity (ROE) | 12.6419% | 1,248 |
| Retained earnings to average equity (ytd only) | -11.2609% | 6,397 |
| Net charge-offs to loans | -0.1933% | 6,374 |
| Credit loss provision to net charge-offs | -153.0612% | 4,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4416% | 5,210 |
| Assets per employee ($millions) | 4.5645% | 2,863 |
| Cash dividends to net income (ytd only)* | 189.0756% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6988% | 626 |
| Loan loss allowance to noncurrent loans | 350.8387% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2015% | 2,854 |
| Noncurrent loans to loans | 0.7692% | 3,937 |
| Net loans and leases to total assets | 85.9077% | 147 |
| Net loans and leases to deposits | 99.5532% | 464 |
| Net loans and leases to core deposits | 248.2300% | 36 |
| Total domestic deposits to total assets | 86.2933% | 3,216 |
| Equity capital to assets | 13.0188% | 1,296 |
| Core capital (leverage) ratio | 13.0607% | 1,143 |
| Tier 1 risk-based capital ratio | 14.9423% | 3,744 |
| Total risk-based capital ratio | 16.2058% | 3,686 |
| Memoranda: | ||
| Average total assets | $114,682,000 | 4,398 |
| Average earning assets | $108,691,000 | 4,301 |
| Average equity | $15,061,000 | 3,851 |
| Average total loans | $101,421,500 | 3,438 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 657 |
| Cost of funding earning assets | 0.6814% | 1,949 |
| Net interest margin | 4.5053% | 728 |
| Noninterest income to average assets | 1.2107% | 960 |
| Noninterest expense to average assets | 3.0008% | 3,054 |
| Loan and lease loss provision to assets | 0.3826% | 796 |
| Net operating income to assets | 2.0679% | 299 |
| Return on assets (ROA) | 2.0679% | 303 |
| Pretax return on assets | 2.0679% | 414 |
| Return on Equity (ROE) | 15.5684% | 682 |
| Retained earnings to average equity (ytd only) | 5.2809% | 2,428 |
| Net charge-offs to loans | 0.2314% | 2,603 |
| Credit loss provision to net charge-offs | 186.6667% | 1,220 |
| Earnings coverage of net charge-offs (x) | 11.9556% | 2,184 |
| Efficiency ratio | 55.0468% | 6,045 |
| Assets per employee ($millions) | 4.4328% | 3,022 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5418% | 784 |
| Loan loss allowance to noncurrent loans | 288.0133% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 2,583 |
| Noncurrent loans to loans | 0.8825% | 3,777 |
| Net loans and leases to total assets | 86.3308% | 141 |
| Net loans and leases to deposits | 100.2741% | 465 |
| Net loans and leases to core deposits | 160.3875% | 70 |
| Total domestic deposits to total assets | 86.0948% | 3,207 |
| Equity capital to assets | 13.2458% | 1,158 |
| Core capital (leverage) ratio | 13.5576% | 937 |
| Tier 1 risk-based capital ratio | 15.2699% | 3,501 |
| Total risk-based capital ratio | 16.5364% | 3,443 |
| Memoranda: | ||
| Average total assets | $109,771,400 | 4,503 |
| Average earning assets | $103,322,400 | 4,426 |
| Average equity | $14,580,800 | 3,950 |
| Average total loans | $97,215,800 | 3,525 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 683 |
| Cost of funding earning assets | 0.6932% | 1,996 |
| Net interest margin | 4.4838% | 756 |
| Noninterest income to average assets | 1.2041% | 1,005 |
| Noninterest expense to average assets | 3.1499% | 2,506 |
| Loan and lease loss provision to assets | 0.3874% | 793 |
| Net operating income to assets | 1.8831% | 453 |
| Return on assets (ROA) | 1.8831% | 458 |
| Pretax return on assets | 1.8831% | 731 |
| Return on Equity (ROE) | 14.1662% | 961 |
| Retained earnings to average equity (ytd only) | 2.1374% | 5,032 |
| Net charge-offs to loans | 0.1375% | 3,162 |
| Credit loss provision to net charge-offs | 318.1818% | 808 |
| Earnings coverage of net charge-offs (x) | 18.6460% | 1,667 |
| Efficiency ratio | 58.1121% | 5,669 |
| Assets per employee ($millions) | 4.1113% | 3,617 |
| Cash dividends to net income (ytd only)* | 84.9119% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6103% | 823 |
| Loan loss allowance to noncurrent loans | 213.7255% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 2.2855% | 1,727 |
| Noncurrent loans to loans | 1.2213% | 3,365 |
| Net loans and leases to total assets | 87.9276% | 89 |
| Net loans and leases to deposits | 102.2738% | 366 |
| Net loans and leases to core deposits | 166.0836% | 63 |
| Total domestic deposits to total assets | 85.9727% | 3,263 |
| Equity capital to assets | 13.2472% | 1,221 |
| Core capital (leverage) ratio | 13.6884% | 955 |
| Tier 1 risk-based capital ratio | 14.7540% | 3,913 |
| Total risk-based capital ratio | 16.0213% | 3,858 |
| Memoranda: | ||
| Average total assets | $108,401,250 | 4,577 |
| Average earning assets | $101,934,000 | 4,500 |
| Average equity | $14,409,500 | 4,036 |
| Average total loans | $95,996,500 | 3,577 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1532% | 691 |
| Cost of funding earning assets | 0.7070% | 2,023 |
| Net interest margin | 4.4462% | 781 |
| Noninterest income to average assets | 1.3335% | 874 |
| Noninterest expense to average assets | 3.3236% | 2,009 |
| Loan and lease loss provision to assets | 0.3906% | 811 |
| Net operating income to assets | 1.7948% | 529 |
| Return on assets (ROA) | 1.7948% | 567 |
| Pretax return on assets | 1.7948% | 943 |
| Return on Equity (ROE) | 13.4861% | 1,128 |
| Retained earnings to average equity (ytd only) | -1.8867% | 6,179 |
| Net charge-offs to loans | 0.1142% | 3,219 |
| Credit loss provision to net charge-offs | 388.8889% | 676 |
| Earnings coverage of net charge-offs (x) | 21.7593% | 1,398 |
| Efficiency ratio | 60.3309% | 5,432 |
| Assets per employee ($millions) | 3.7852% | 4,246 |
| Cash dividends to net income (ytd only)* | 113.9896% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6682% | 817 |
| Loan loss allowance to noncurrent loans | 233.4247% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 2.0437% | 2,113 |
| Noncurrent loans to loans | 1.1431% | 3,638 |
| Net loans and leases to total assets | 87.9747% | 90 |
| Net loans and leases to deposits | 102.6262% | 308 |
| Net loans and leases to core deposits | 167.9092% | 63 |
| Total domestic deposits to total assets | 85.7235% | 3,514 |
| Equity capital to assets | 13.5161% | 1,128 |
| Core capital (leverage) ratio | 13.5834% | 944 |
| Tier 1 risk-based capital ratio | 15.2583% | 3,620 |
| Total risk-based capital ratio | 16.5266% | 3,565 |
| Memoranda: | ||
| Average total assets | $107,533,330 | 4,629 |
| Average earning assets | $100,986,000 | 4,555 |
| Average equity | $14,311,000 | 4,091 |
| Average total loans | $94,588,670 | 3,617 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0280% | 851 |
| Cost of funding earning assets | 0.7205% | 2,056 |
| Net interest margin | 4.3075% | 957 |
| Noninterest income to average assets | 1.4551% | 728 |
| Noninterest expense to average assets | 3.5676% | 1,477 |
| Loan and lease loss provision to assets | 0.3878% | 809 |
| Net operating income to assets | 1.5401% | 786 |
| Return on assets (ROA) | 1.5401% | 860 |
| Pretax return on assets | 1.5401% | 1,455 |
| Return on Equity (ROE) | 11.6611% | 1,515 |
| Retained earnings to average equity (ytd only) | -13.5067% | 6,709 |
| Net charge-offs to loans | 0.0851% | 2,990 |
| Credit loss provision to net charge-offs | 525.0000% | 509 |
| Earnings coverage of net charge-offs (x) | 26.1000% | 1,031 |
| Efficiency ratio | 64.9194% | 4,835 |
| Assets per employee ($millions) | 3.8130% | 4,328 |
| Cash dividends to net income (ytd only)* | 215.8273% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6556% | 966 |
| Loan loss allowance to noncurrent loans | 169.0476% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 2.6301% | 1,731 |
| Noncurrent loans to loans | 1.5709% | 3,178 |
| Net loans and leases to total assets | 85.3209% | 147 |
| Net loans and leases to deposits | 98.9818% | 395 |
| Net loans and leases to core deposits | 151.4313% | 88 |
| Total domestic deposits to total assets | 86.1985% | 3,418 |
| Equity capital to assets | 13.1664% | 1,351 |
| Core capital (leverage) ratio | 12.9817% | 1,120 |
| Tier 1 risk-based capital ratio | 15.2536% | 3,680 |
| Total risk-based capital ratio | 16.5216% | 3,626 |
| Memoranda: | ||
| Average total assets | $108,307,500 | 4,651 |
| Average earning assets | $101,590,500 | 4,572 |
| Average equity | $14,304,000 | 4,136 |
| Average total loans | $93,985,000 | 3,649 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6968% | 434 |
| Cost of funding earning assets | 0.8586% | 2,225 |
| Net interest margin | 4.8383% | 509 |
| Noninterest income to average assets | 2.3314% | 345 |
| Noninterest expense to average assets | 3.9742% | 1,006 |
| Loan and lease loss provision to assets | 0.6498% | 822 |
| Net operating income to assets | 2.2113% | 253 |
| Return on assets (ROA) | 2.2113% | 276 |
| Pretax return on assets | 2.2133% | 398 |
| Return on Equity (ROE) | 16.1712% | 637 |
| Retained earnings to average equity (ytd only) | 7.4653% | 1,352 |
| Net charge-offs to loans | 0.2637% | 3,357 |
| Credit loss provision to net charge-offs | 270.6612% | 893 |
| Earnings coverage of net charge-offs (x) | 11.9256% | 1,985 |
| Efficiency ratio | 58.1254% | 5,812 |
| Assets per employee ($millions) | 3.9233% | 4,096 |
| Cash dividends to net income (ytd only)* | 53.8358% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5426% | 1,085 |
| Loan loss allowance to noncurrent loans | 214.0946% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 2.3068% | 2,132 |
| Noncurrent loans to loans | 1.1876% | 3,872 |
| Net loans and leases to total assets | 83.7434% | 230 |
| Net loans and leases to deposits | 97.3224% | 544 |
| Net loans and leases to core deposits | 152.0772% | 98 |
| Total domestic deposits to total assets | 86.0475% | 3,334 |
| Equity capital to assets | 13.2461% | 1,332 |
| Core capital (leverage) ratio | 13.5759% | 921 |
| Tier 1 risk-based capital ratio | 15.4558% | 3,455 |
| Total risk-based capital ratio | 16.7223% | 3,405 |
| Memoranda: | ||
| Average total assets | $100,799,800 | 4,816 |
| Average earning assets | $93,876,600 | 4,758 |
| Average equity | $13,783,800 | 4,206 |
| Average total loans | $91,782,000 | 3,702 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 403 |
| Cost of funding earning assets | 0.8842% | 2,279 |
| Net interest margin | 4.9089% | 456 |
| Noninterest income to average assets | 2.2827% | 350 |
| Noninterest expense to average assets | 4.2568% | 684 |
| Loan and lease loss provision to assets | 0.5480% | 1,066 |
| Net operating income to assets | 2.0499% | 359 |
| Return on assets (ROA) | 2.0499% | 401 |
| Pretax return on assets | 2.0527% | 624 |
| Return on Equity (ROE) | 14.8613% | 933 |
| Retained earnings to average equity (ytd only) | 5.0519% | 3,332 |
| Net charge-offs to loans | 0.2502% | 3,218 |
| Credit loss provision to net charge-offs | 236.8421% | 1,170 |
| Earnings coverage of net charge-offs (x) | 11.2400% | 2,092 |
| Efficiency ratio | 62.0758% | 5,137 |
| Assets per employee ($millions) | 3.7614% | 4,405 |
| Cash dividends to net income (ytd only)* | 66.0066% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3343% | 1,456 |
| Loan loss allowance to noncurrent loans | 239.3319% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 2.5978% | 2,033 |
| Noncurrent loans to loans | 0.9753% | 4,489 |
| Net loans and leases to total assets | 88.2337% | 88 |
| Net loans and leases to deposits | 103.0644% | 310 |
| Net loans and leases to core deposits | 164.5407% | 73 |
| Total domestic deposits to total assets | 85.6102% | 3,458 |
| Equity capital to assets | 13.3330% | 1,424 |
| Core capital (leverage) ratio | 13.7540% | 922 |
| Tier 1 risk-based capital ratio | 14.9180% | 3,909 |
| Total risk-based capital ratio | 16.1821% | 3,851 |
| Memoranda: | ||
| Average total assets | $98,537,000 | 4,916 |
| Average earning assets | $91,830,500 | 4,855 |
| Average equity | $13,592,000 | 4,283 |
| Average total loans | $91,129,250 | 3,757 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9203% | 334 |
| Cost of funding earning assets | 0.8869% | 2,511 |
| Net interest margin | 5.0334% | 381 |
| Noninterest income to average assets | 1.9174% | 425 |
| Noninterest expense to average assets | 4.3396% | 630 |
| Loan and lease loss provision to assets | 0.5609% | 1,090 |
| Net operating income to assets | 1.6951% | 677 |
| Return on assets (ROA) | 1.6951% | 766 |
| Pretax return on assets | 1.6972% | 1,262 |
| Return on Equity (ROE) | 12.1411% | 1,626 |
| Retained earnings to average equity (ytd only) | 0.2381% | 5,964 |
| Net charge-offs to loans | 0.0802% | 4,345 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 30.1944% | 1,064 |
| Efficiency ratio | 65.7746% | 4,573 |
| Assets per employee ($millions) | 3.8034% | 4,303 |
| Cash dividends to net income (ytd only)* | 98.0392% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3799% | 1,444 |
| Loan loss allowance to noncurrent loans | 141.0159% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 3.0620% | 1,790 |
| Noncurrent loans to loans | 1.6877% | 3,363 |
| Net loans and leases to total assets | 92.1264% | 20 |
| Net loans and leases to deposits | 110.7340% | 135 |
| Net loans and leases to core deposits | 164.3521% | 80 |
| Total domestic deposits to total assets | 83.1961% | 4,678 |
| Equity capital to assets | 13.6821% | 1,223 |
| Core capital (leverage) ratio | 13.9519% | 818 |
| Tier 1 risk-based capital ratio | 14.7248% | 3,951 |
| Total risk-based capital ratio | 15.9896% | 3,901 |
| Memoranda: | ||
| Average total assets | $96,276,670 | 5,003 |
| Average earning assets | $89,522,000 | 4,954 |
| Average equity | $13,442,000 | 4,308 |
| Average total loans | $89,790,000 | 3,812 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9997% | 303 |
| Cost of funding earning assets | 0.9006% | 2,686 |
| Net interest margin | 5.0991% | 340 |
| Noninterest income to average assets | 2.0596% | 390 |
| Noninterest expense to average assets | 4.6372% | 485 |
| Loan and lease loss provision to assets | 0.5686% | 1,021 |
| Net operating income to assets | 1.5752% | 903 |
| Return on assets (ROA) | 1.5752% | 1,010 |
| Pretax return on assets | 1.5752% | 1,653 |
| Return on Equity (ROE) | 11.1658% | 1,955 |
| Retained earnings to average equity (ytd only) | -6.7473% | 6,707 |
| Net charge-offs to loans | 0.0773% | 3,725 |
| Credit loss provision to net charge-offs | 794.1176% | 434 |
| Earnings coverage of net charge-offs (x) | 29.9412% | 922 |
| Efficiency ratio | 68.3851% | 4,097 |
| Assets per employee ($millions) | 3.7109% | 4,630 |
| Cash dividends to net income (ytd only)* | 160.4278% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3796% | 1,542 |
| Loan loss allowance to noncurrent loans | 133.8207% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 3.3995% | 1,693 |
| Noncurrent loans to loans | 1.7782% | 3,439 |
| Net loans and leases to total assets | 89.5029% | 48 |
| Net loans and leases to deposits | 104.8990% | 235 |
| Net loans and leases to core deposits | 153.8226% | 104 |
| Total domestic deposits to total assets | 85.3230% | 3,873 |
| Equity capital to assets | 13.7670% | 1,107 |
| Core capital (leverage) ratio | 14.1972% | 752 |
| Tier 1 risk-based capital ratio | 15.0588% | 3,720 |
| Total risk-based capital ratio | 16.1907% | 3,758 |
| Memoranda: | ||
| Average total assets | $94,971,000 | 5,067 |
| Average earning assets | $87,937,000 | 5,025 |
| Average equity | $13,398,000 | 4,328 |
| Average total loans | $88,023,500 | 3,883 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0949% | 372 |
| Cost of funding earning assets | 1.1283% | 2,481 |
| Net interest margin | 4.9666% | 440 |
| Noninterest income to average assets | 1.6994% | 489 |
| Noninterest expense to average assets | 3.5304% | 1,912 |
| Loan and lease loss provision to assets | 0.9288% | 1,034 |
| Net operating income to assets | 1.8641% | 409 |
| Return on assets (ROA) | 1.8641% | 445 |
| Pretax return on assets | 1.8686% | 711 |
| Return on Equity (ROE) | 13.4383% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.0619% | 1,475 |
| Net charge-offs to loans | 0.8948% | 1,943 |
| Credit loss provision to net charge-offs | 110.8179% | 3,009 |
| Earnings coverage of net charge-offs (x) | 3.3377% | 3,553 |
| Efficiency ratio | 55.7924% | 6,337 |
| Assets per employee ($millions) | 3.5945% | 4,781 |
| Cash dividends to net income (ytd only)* | 47.4496% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 1,677 |
| Loan loss allowance to noncurrent loans | 113.1549% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 3.3416% | 1,770 |
| Noncurrent loans to loans | 2.0049% | 3,196 |
| Net loans and leases to total assets | 91.5909% | 26 |
| Net loans and leases to deposits | 109.1198% | 187 |
| Net loans and leases to core deposits | 152.8008% | 128 |
| Total domestic deposits to total assets | 83.9361% | 4,336 |
| Equity capital to assets | 14.4589% | 909 |
| Core capital (leverage) ratio | 14.6494% | 676 |
| Tier 1 risk-based capital ratio | 15.3082% | 3,450 |
| Total risk-based capital ratio | 16.5710% | 3,393 |
| Memoranda: | ||
| Average total assets | $90,443,800 | 5,168 |
| Average earning assets | $84,283,800 | 5,111 |
| Average equity | $12,546,200 | 4,431 |
| Average total loans | $84,712,200 | 4,008 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1120% | 385 |
| Cost of funding earning assets | 1.1680% | 2,515 |
| Net interest margin | 4.9441% | 463 |
| Noninterest income to average assets | 1.3156% | 758 |
| Noninterest expense to average assets | 3.4756% | 2,001 |
| Loan and lease loss provision to assets | 0.6021% | 1,638 |
| Net operating income to assets | 1.8523% | 467 |
| Return on assets (ROA) | 1.8523% | 504 |
| Pretax return on assets | 1.8567% | 849 |
| Return on Equity (ROE) | 13.5015% | 1,158 |
| Retained earnings to average equity (ytd only) | 7.0000% | 1,969 |
| Net charge-offs to loans | 0.6286% | 2,364 |
| Credit loss provision to net charge-offs | 102.2727% | 3,261 |
| Earnings coverage of net charge-offs (x) | 4.1767% | 3,154 |
| Efficiency ratio | 58.5671% | 5,922 |
| Assets per employee ($millions) | 3.6386% | 4,665 |
| Cash dividends to net income (ytd only)* | 48.1541% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2475% | 1,787 |
| Loan loss allowance to noncurrent loans | 81.6901% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 3.7652% | 1,653 |
| Noncurrent loans to loans | 2.7512% | 2,539 |
| Net loans and leases to total assets | 91.5175% | 23 |
| Net loans and leases to deposits | 108.5273% | 200 |
| Net loans and leases to core deposits | 157.2408% | 116 |
| Total domestic deposits to total assets | 84.3268% | 4,087 |
| Equity capital to assets | 14.5882% | 961 |
| Core capital (leverage) ratio | 14.7213% | 724 |
| Tier 1 risk-based capital ratio | 15.2850% | 3,500 |
| Total risk-based capital ratio | 16.5465% | 3,464 |
| Memoranda: | ||
| Average total assets | $89,690,250 | 5,227 |
| Average earning assets | $83,788,750 | 5,165 |
| Average equity | $12,304,500 | 4,488 |
| Average total loans | $83,993,750 | 4,058 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1040% | 381 |
| Cost of funding earning assets | 1.1806% | 2,705 |
| Net interest margin | 4.9235% | 461 |
| Noninterest income to average assets | 1.0374% | 1,227 |
| Noninterest expense to average assets | 3.4549% | 2,109 |
| Loan and lease loss provision to assets | 0.6049% | 1,595 |
| Net operating income to assets | 1.5840% | 754 |
| Return on assets (ROA) | 1.5840% | 799 |
| Pretax return on assets | 1.5840% | 1,288 |
| Return on Equity (ROE) | 11.8004% | 1,554 |
| Retained earnings to average equity (ytd only) | 5.1241% | 2,926 |
| Net charge-offs to loans | 0.5430% | 2,472 |
| Credit loss provision to net charge-offs | 118.9427% | 2,580 |
| Earnings coverage of net charge-offs (x) | 4.3040% | 2,900 |
| Efficiency ratio | 61.2148% | 5,697 |
| Assets per employee ($millions) | 3.5351% | 4,841 |
| Cash dividends to net income (ytd only)* | 56.5771% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3325% | 1,691 |
| Loan loss allowance to noncurrent loans | 85.6640% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 3.2078% | 2,088 |
| Noncurrent loans to loans | 2.7229% | 2,672 |
| Net loans and leases to total assets | 92.2932% | 20 |
| Net loans and leases to deposits | 108.2596% | 213 |
| Net loans and leases to core deposits | 157.1630% | 130 |
| Total domestic deposits to total assets | 85.2518% | 3,754 |
| Equity capital to assets | 13.7468% | 1,182 |
| Core capital (leverage) ratio | 13.6139% | 967 |
| Tier 1 risk-based capital ratio | 14.2822% | 3,952 |
| Total risk-based capital ratio | 15.5458% | 3,917 |
| Memoranda: | ||
| Average total assets | $89,265,670 | 5,283 |
| Average earning assets | $83,518,330 | 5,211 |
| Average equity | $11,982,670 | 4,563 |
| Average total loans | $83,604,330 | 4,107 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0306% | 445 |
| Cost of funding earning assets | 1.2137% | 2,725 |
| Net interest margin | 4.8168% | 551 |
| Noninterest income to average assets | 0.9230% | 1,575 |
| Noninterest expense to average assets | 3.3664% | 2,366 |
| Loan and lease loss provision to assets | 0.6019% | 1,429 |
| Net operating income to assets | 1.4669% | 942 |
| Return on assets (ROA) | 1.4669% | 983 |
| Pretax return on assets | 1.4669% | 1,549 |
| Return on Equity (ROE) | 11.0593% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.3363% | 3,572 |
| Net charge-offs to loans | 0.3491% | 2,666 |
| Credit loss provision to net charge-offs | 184.9315% | 1,587 |
| Earnings coverage of net charge-offs (x) | 6.3562% | 2,112 |
| Efficiency ratio | 61.9360% | 5,691 |
| Assets per employee ($millions) | 3.5189% | 4,951 |
| Cash dividends to net income (ytd only)* | 60.7903% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3949% | 1,610 |
| Loan loss allowance to noncurrent loans | 68.3698% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 3.6068% | 1,888 |
| Noncurrent loans to loans | 3.5029% | 2,127 |
| Net loans and leases to total assets | 91.1245% | 25 |
| Net loans and leases to deposits | 106.4424% | 240 |
| Net loans and leases to core deposits | 154.8484% | 141 |
| Total domestic deposits to total assets | 85.6092% | 3,728 |
| Equity capital to assets | 13.6019% | 1,149 |
| Core capital (leverage) ratio | 13.3442% | 1,013 |
| Tier 1 risk-based capital ratio | 14.2584% | 3,901 |
| Total risk-based capital ratio | 15.5223% | 3,848 |
| Memoranda: | ||
| Average total assets | $89,710,000 | 5,301 |
| Average earning assets | $84,038,500 | 5,230 |
| Average equity | $11,899,500 | 4,575 |
| Average total loans | $83,649,500 | 4,141 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3499% | 423 |
| Cost of funding earning assets | 1.6390% | 1,870 |
| Net interest margin | 4.7109% | 799 |
| Noninterest income to average assets | 2.1027% | 364 |
| Noninterest expense to average assets | 3.4749% | 2,241 |
| Loan and lease loss provision to assets | 1.0172% | 1,597 |
| Net operating income to assets | 2.0356% | 270 |
| Return on assets (ROA) | 2.0356% | 280 |
| Pretax return on assets | 2.0399% | 446 |
| Return on Equity (ROE) | 16.3301% | 549 |
| Retained earnings to average equity (ytd only) | 5.9122% | 1,868 |
| Net charge-offs to loans | 0.6536% | 3,047 |
| Credit loss provision to net charge-offs | 165.7848% | 2,067 |
| Earnings coverage of net charge-offs (x) | 4.9824% | 2,749 |
| Efficiency ratio | 53.1975% | 6,873 |
| Assets per employee ($millions) | 3.6579% | 4,560 |
| Cash dividends to net income (ytd only)* | 63.7959% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2368% | 1,804 |
| Loan loss allowance to noncurrent loans | 88.6047% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.7043% | 2,578 |
| Noncurrent loans to loans | 2.5245% | 3,002 |
| Net loans and leases to total assets | 91.0495% | 35 |
| Net loans and leases to deposits | 105.5205% | 340 |
| Net loans and leases to core deposits | 151.2287% | 175 |
| Total domestic deposits to total assets | 86.2860% | 3,208 |
| Equity capital to assets | 12.9397% | 1,419 |
| Core capital (leverage) ratio | 12.5968% | 1,270 |
| Tier 1 risk-based capital ratio | 13.5025% | 4,197 |
| Total risk-based capital ratio | 14.7636% | 4,162 |
| Memoranda: | ||
| Average total assets | $92,406,800 | 5,209 |
| Average earning assets | $86,883,600 | 5,122 |
| Average equity | $11,518,600 | 4,727 |
| Average total loans | $86,756,600 | 4,134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4112% | 401 |
| Cost of funding earning assets | 1.7143% | 1,799 |
| Net interest margin | 4.6969% | 850 |
| Noninterest income to average assets | 1.7874% | 458 |
| Noninterest expense to average assets | 3.5791% | 1,837 |
| Loan and lease loss provision to assets | 0.7483% | 2,047 |
| Net operating income to assets | 1.8809% | 424 |
| Return on assets (ROA) | 1.8809% | 469 |
| Pretax return on assets | 1.8838% | 793 |
| Return on Equity (ROE) | 15.2327% | 821 |
| Retained earnings to average equity (ytd only) | 8.2399% | 1,337 |
| Net charge-offs to loans | 0.0948% | 5,586 |
| Credit loss provision to net charge-offs | 838.7097% | 355 |
| Earnings coverage of net charge-offs (x) | 29.5017% | 888 |
| Efficiency ratio | 57.6228% | 6,326 |
| Assets per employee ($millions) | 3.6878% | 4,535 |
| Cash dividends to net income (ytd only)* | 45.9067% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2914% | 1,641 |
| Loan loss allowance to noncurrent loans | 95.8574% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 2.4296% | 2,943 |
| Noncurrent loans to loans | 2.3905% | 3,245 |
| Net loans and leases to total assets | 92.0386% | 27 |
| Net loans and leases to deposits | 108.7689% | 282 |
| Net loans and leases to core deposits | 155.2330% | 168 |
| Total domestic deposits to total assets | 84.6185% | 3,819 |
| Equity capital to assets | 12.8749% | 1,642 |
| Core capital (leverage) ratio | 12.5275% | 1,395 |
| Tier 1 risk-based capital ratio | 13.0089% | 4,571 |
| Total risk-based capital ratio | 14.2705% | 4,538 |
| Memoranda: | ||
| Average total assets | $92,646,750 | 5,265 |
| Average earning assets | $87,261,500 | 5,167 |
| Average equity | $11,440,000 | 4,829 |
| Average total loans | $87,154,000 | 4,192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3695% | 438 |
| Cost of funding earning assets | 1.7806% | 1,718 |
| Net interest margin | 4.5889% | 1,027 |
| Noninterest income to average assets | 1.1078% | 1,074 |
| Noninterest expense to average assets | 3.4204% | 2,214 |
| Loan and lease loss provision to assets | 0.5173% | 2,727 |
| Net operating income to assets | 1.4871% | 933 |
| Return on assets (ROA) | 1.4871% | 995 |
| Pretax return on assets | 1.4914% | 1,578 |
| Return on Equity (ROE) | 12.2160% | 1,397 |
| Retained earnings to average equity (ytd only) | 5.1343% | 2,827 |
| Net charge-offs to loans | 0.0183% | 6,084 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 116.5000% | 289 |
| Efficiency ratio | 63.0012% | 5,519 |
| Assets per employee ($millions) | 3.7946% | 4,233 |
| Cash dividends to net income (ytd only)* | 57.9710% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 2,282 |
| Loan loss allowance to noncurrent loans | 93.3827% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 2.1641% | 3,303 |
| Noncurrent loans to loans | 2.0977% | 3,592 |
| Net loans and leases to total assets | 93.0660% | 18 |
| Net loans and leases to deposits | 109.2890% | 293 |
| Net loans and leases to core deposits | 163.2001% | 157 |
| Total domestic deposits to total assets | 85.1559% | 3,542 |
| Equity capital to assets | 12.0644% | 2,060 |
| Core capital (leverage) ratio | 12.2149% | 1,533 |
| Tier 1 risk-based capital ratio | 12.4002% | 4,944 |
| Total risk-based capital ratio | 13.6583% | 4,916 |
| Memoranda: | ||
| Average total assets | $92,797,330 | 5,288 |
| Average earning assets | $87,385,000 | 5,199 |
| Average equity | $11,296,670 | 4,851 |
| Average total loans | $87,257,000 | 4,220 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4207% | 416 |
| Cost of funding earning assets | 1.8173% | 1,811 |
| Net interest margin | 4.6034% | 946 |
| Noninterest income to average assets | 0.7541% | 2,276 |
| Noninterest expense to average assets | 3.0601% | 3,436 |
| Loan and lease loss provision to assets | 0.5231% | 2,406 |
| Net operating income to assets | 1.4952% | 901 |
| Return on assets (ROA) | 1.4952% | 975 |
| Pretax return on assets | 1.4995% | 1,516 |
| Return on Equity (ROE) | 12.2254% | 1,435 |
| Retained earnings to average equity (ytd only) | 5.0969% | 3,105 |
| Net charge-offs to loans | 0.1211% | 4,243 |
| Credit loss provision to net charge-offs | 461.5385% | 911 |
| Earnings coverage of net charge-offs (x) | 17.8462% | 1,257 |
| Efficiency ratio | 60.2058% | 6,128 |
| Assets per employee ($millions) | 4.0121% | 3,840 |
| Cash dividends to net income (ytd only)* | 58.3090% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 2,453 |
| Loan loss allowance to noncurrent loans | 81.5446% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 2.5521% | 2,844 |
| Noncurrent loans to loans | 2.3270% | 3,357 |
| Net loans and leases to total assets | 91.0965% | 47 |
| Net loans and leases to deposits | 108.8350% | 319 |
| Net loans and leases to core deposits | 251.2989% | 73 |
| Total domestic deposits to total assets | 83.7014% | 4,301 |
| Equity capital to assets | 12.2391% | 1,907 |
| Core capital (leverage) ratio | 12.3991% | 1,453 |
| Tier 1 risk-based capital ratio | 12.6314% | 4,618 |
| Total risk-based capital ratio | 13.8885% | 4,579 |
| Memoranda: | ||
| Average total assets | $91,763,000 | 5,394 |
| Average earning assets | $86,284,000 | 5,297 |
| Average equity | $11,222,500 | 4,919 |
| Average total loans | $85,859,500 | 4,326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2890% | 1,049 |
| Cost of funding earning assets | 2.2851% | 1,712 |
| Net interest margin | 4.0038% | 2,844 |
| Noninterest income to average assets | 2.3519% | 299 |
| Noninterest expense to average assets | 3.5346% | 2,306 |
| Loan and lease loss provision to assets | 0.9129% | 2,467 |
| Net operating income to assets | 1.6772% | 467 |
| Return on assets (ROA) | 1.6772% | 493 |
| Pretax return on assets | 1.6794% | 821 |
| Return on Equity (ROE) | 14.3128% | 733 |
| Retained earnings to average equity (ytd only) | 5.1193% | 1,757 |
| Net charge-offs to loans | 0.3019% | 4,745 |
| Credit loss provision to net charge-offs | 325.9109% | 1,002 |
| Earnings coverage of net charge-offs (x) | 9.2551% | 1,826 |
| Efficiency ratio | 57.6902% | 6,808 |
| Assets per employee ($millions) | 3.9673% | 3,883 |
| Cash dividends to net income (ytd only)* | 64.2326% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 2,612 |
| Loan loss allowance to noncurrent loans | 94.3931% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9058% | 3,522 |
| Noncurrent loans to loans | 1.8865% | 3,820 |
| Net loans and leases to total assets | 92.6037% | 27 |
| Net loans and leases to deposits | 113.6335% | 269 |
| Net loans and leases to core deposits | 163.8149% | 300 |
| Total domestic deposits to total assets | 81.4933% | 5,157 |
| Equity capital to assets | 12.2205% | 1,901 |
| Core capital (leverage) ratio | 12.0429% | 1,648 |
| Tier 1 risk-based capital ratio | 11.8293% | 5,088 |
| Total risk-based capital ratio | 13.0842% | 5,050 |
| Memoranda: | ||
| Average total assets | $88,184,400 | 5,442 |
| Average earning assets | $83,145,600 | 5,358 |
| Average equity | $10,333,400 | 5,205 |
| Average total loans | $81,819,800 | 4,450 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2572% | 1,217 |
| Cost of funding earning assets | 2.3650% | 1,757 |
| Net interest margin | 3.8922% | 3,258 |
| Noninterest income to average assets | 2.7469% | 240 |
| Noninterest expense to average assets | 3.7794% | 1,638 |
| Loan and lease loss provision to assets | 0.7397% | 2,525 |
| Net operating income to assets | 1.9034% | 355 |
| Return on assets (ROA) | 1.9034% | 382 |
| Pretax return on assets | 1.9050% | 653 |
| Return on Equity (ROE) | 16.4277% | 604 |
| Retained earnings to average equity (ytd only) | 8.5298% | 967 |
| Net charge-offs to loans | 0.2410% | 4,546 |
| Credit loss provision to net charge-offs | 332.1918% | 1,240 |
| Earnings coverage of net charge-offs (x) | 11.8768% | 1,816 |
| Efficiency ratio | 58.8319% | 6,585 |
| Assets per employee ($millions) | 3.5731% | 4,751 |
| Cash dividends to net income (ytd only)* | 48.0769% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5656% | 3,141 |
| Loan loss allowance to noncurrent loans | 83.8978% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.8841% | 3,532 |
| Noncurrent loans to loans | 1.8661% | 3,816 |
| Net loans and leases to total assets | 92.4144% | 46 |
| Net loans and leases to deposits | 110.1591% | 461 |
| Net loans and leases to core deposits | 167.1784% | 292 |
| Total domestic deposits to total assets | 83.8918% | 3,771 |
| Equity capital to assets | 12.6222% | 1,872 |
| Core capital (leverage) ratio | 12.8415% | 1,434 |
| Tier 1 risk-based capital ratio | 12.1328% | 4,851 |
| Total risk-based capital ratio | 13.3847% | 4,801 |
| Memoranda: | ||
| Average total assets | $87,418,500 | 5,500 |
| Average earning assets | $82,591,250 | 5,408 |
| Average equity | $10,129,000 | 5,305 |
| Average total loans | $80,767,000 | 4,529 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2208% | 1,400 |
| Cost of funding earning assets | 2.4688% | 1,719 |
| Net interest margin | 3.7521% | 3,745 |
| Noninterest income to average assets | 3.5537% | 179 |
| Noninterest expense to average assets | 4.3212% | 923 |
| Loan and lease loss provision to assets | 0.6914% | 2,355 |
| Net operating income to assets | 2.0765% | 248 |
| Return on assets (ROA) | 2.0765% | 274 |
| Pretax return on assets | 2.0788% | 460 |
| Return on Equity (ROE) | 18.4877% | 449 |
| Retained earnings to average equity (ytd only) | 10.2801% | 672 |
| Net charge-offs to loans | 0.1681% | 4,543 |
| Credit loss provision to net charge-offs | 447.7612% | 1,040 |
| Earnings coverage of net charge-offs (x) | 17.9403% | 1,441 |
| Efficiency ratio | 60.9360% | 6,408 |
| Assets per employee ($millions) | 3.4950% | 4,824 |
| Cash dividends to net income (ytd only)* | 44.3951% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 3,123 |
| Loan loss allowance to noncurrent loans | 84.5830% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.7316% | 3,587 |
| Noncurrent loans to loans | 1.7878% | 3,819 |
| Net loans and leases to total assets | 89.9697% | 134 |
| Net loans and leases to deposits | 107.6671% | 668 |
| Net loans and leases to core deposits | 163.0764% | 401 |
| Total domestic deposits to total assets | 83.5628% | 3,981 |
| Equity capital to assets | 12.7245% | 1,822 |
| Core capital (leverage) ratio | 12.8135% | 1,496 |
| Tier 1 risk-based capital ratio | 12.2664% | 4,706 |
| Total risk-based capital ratio | 13.5180% | 4,620 |
| Memoranda: | ||
| Average total assets | $86,782,330 | 5,562 |
| Average earning assets | $81,821,670 | 5,474 |
| Average equity | $9,747,000 | 5,437 |
| Average total loans | $79,734,670 | 4,591 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3164% | 1,252 |
| Cost of funding earning assets | 2.5266% | 1,814 |
| Net interest margin | 3.7899% | 3,494 |
| Noninterest income to average assets | 4.5187% | 145 |
| Noninterest expense to average assets | 5.0274% | 478 |
| Loan and lease loss provision to assets | 0.7955% | 1,620 |
| Net operating income to assets | 2.2616% | 214 |
| Return on assets (ROA) | 2.2616% | 244 |
| Pretax return on assets | 2.2616% | 391 |
| Return on Equity (ROE) | 21.5858% | 324 |
| Retained earnings to average equity (ytd only) | 12.7573% | 675 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1854% | 6,019 |
| Assets per employee ($millions) | 3.3689% | 5,157 |
| Cash dividends to net income (ytd only)* | 40.8998% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 3,147 |
| Loan loss allowance to noncurrent loans | 167.5439% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 4,196 |
| Noncurrent loans to loans | 0.8768% | 5,261 |
| Net loans and leases to total assets | 91.2660% | 86 |
| Net loans and leases to deposits | 109.9262% | 611 |
| Net loans and leases to core deposits | 169.9582% | 345 |
| Total domestic deposits to total assets | 83.0248% | 4,133 |
| Equity capital to assets | 10.9317% | 3,029 |
| Core capital (leverage) ratio | 10.4815% | 2,948 |
| Tier 1 risk-based capital ratio | 10.3471% | 6,544 |
| Total risk-based capital ratio | 11.5975% | 6,464 |
| Memoranda: | ||
| Average total assets | $86,486,000 | 5,588 |
| Average earning assets | $81,375,000 | 5,507 |
| Average equity | $9,061,500 | 5,687 |
| Average total loans | $79,693,000 | 4,626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8939% | 1,417 |
| Cost of funding earning assets | 3.0392% | 1,717 |
| Net interest margin | 3.8546% | 3,773 |
| Noninterest income to average assets | 1.7885% | 422 |
| Noninterest expense to average assets | 3.3099% | 2,935 |
| Loan and lease loss provision to assets | 0.2601% | 4,325 |
| Net operating income to assets | 1.8453% | 501 |
| Return on assets (ROA) | 1.8453% | 487 |
| Pretax return on assets | 1.8453% | 858 |
| Return on Equity (ROE) | 18.2637% | 507 |
| Retained earnings to average equity (ytd only) | 0.2691% | 5,078 |
| Net charge-offs to loans | 0.2419% | 3,842 |
| Credit loss provision to net charge-offs | 118.9189% | 4,532 |
| Earnings coverage of net charge-offs (x) | 9.6270% | 2,662 |
| Efficiency ratio | 61.1220% | 6,136 |
| Assets per employee ($millions) | 3.8587% | 3,835 |
| Cash dividends to net income (ytd only)* | 98.5266% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 4,556 |
| Loan loss allowance to noncurrent loans | 64.5461% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 2.2468% | 2,166 |
| Noncurrent loans to loans | 1.8544% | 2,978 |
| Net loans and leases to total assets | 90.5914% | 158 |
| Net loans and leases to deposits | 112.2342% | 693 |
| Net loans and leases to core deposits | 169.6862% | 408 |
| Total domestic deposits to total assets | 80.7164% | 4,767 |
| Equity capital to assets | 10.0463% | 3,980 |
| Core capital (leverage) ratio | 10.6118% | 2,893 |
| Tier 1 risk-based capital ratio | 9.7909% | 6,967 |
| Total risk-based capital ratio | 10.8709% | 7,068 |
| Memoranda: | ||
| Average total assets | $84,594,400 | 5,534 |
| Average earning assets | $79,592,400 | 5,445 |
| Average equity | $8,547,000 | 5,891 |
| Average total loans | $76,492,000 | 4,633 |