Home > Bank of Wolcott > Performance and Condition Ratios
Bank of Wolcott, 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 | 4.5854% | 2,926 |
| Cost of funding earning assets | 1.3951% | 2,243 |
| Net interest margin | 3.1903% | 2,900 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.8015% | 4,004 |
| Loan and lease loss provision to assets | -0.1000% | 4,517 |
| Net operating income to assets | 1.7216% | 703 |
| Return on assets (ROA) | 1.6178% | 809 |
| Pretax return on assets | 1.6178% | 1,204 |
| Return on Equity (ROE) | 21.5300% | 498 |
| Retained earnings to average equity (ytd only) | 13.4415% | 454 |
| Net charge-offs to loans | -0.1303% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.6516% | 3,778 |
| Assets per employee ($millions) | 8.2726% | 1,294 |
| Cash dividends to net income (ytd only)* | 37.5637% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 503 |
| Loan loss allowance to noncurrent loans | 546.4203% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 2,290 |
| Noncurrent loans to loans | 0.3365% | 1,974 |
| Net loans and leases to total assets | 54.5300% | 3,311 |
| Net loans and leases to deposits | 62.1237% | 3,401 |
| Net loans and leases to core deposits | 65.2856% | 3,532 |
| Total domestic deposits to total assets | 87.7800% | 1,421 |
| Equity capital to assets | 8.7146% | 2,894 |
| Core capital (leverage) ratio | 12.2414% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $230,368,600 | 2,787 |
| Average earning assets | $221,136,200 | 2,733 |
| Average equity | $17,312,000 | 3,070 |
| Average total loans | $128,213,400 | 2,870 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 2,915 |
| Cost of funding earning assets | 1.3214% | 2,087 |
| Net interest margin | 3.1799% | 2,958 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.7456% | 4,058 |
| Loan and lease loss provision to assets | -0.1300% | 4,559 |
| Net operating income to assets | 1.7810% | 692 |
| Return on assets (ROA) | 1.6807% | 812 |
| Pretax return on assets | 1.6807% | 1,201 |
| Return on Equity (ROE) | 23.3000% | 472 |
| Retained earnings to average equity (ytd only) | 14.8649% | 574 |
| Net charge-offs to loans | -0.1790% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.4081% | 3,801 |
| Assets per employee ($millions) | 8.0628% | 1,315 |
| Cash dividends to net income (ytd only)* | 36.2069% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 506 |
| Loan loss allowance to noncurrent loans | 597.7387% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 2,409 |
| Noncurrent loans to loans | 0.3122% | 2,115 |
| Net loans and leases to total assets | 55.4100% | 3,257 |
| Net loans and leases to deposits | 60.5058% | 3,480 |
| Net loans and leases to core deposits | 63.7375% | 3,540 |
| Total domestic deposits to total assets | 91.5800% | 539 |
| Equity capital to assets | 6.9649% | 3,626 |
| Core capital (leverage) ratio | 12.0008% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $230,052,500 | 2,803 |
| Average earning assets | $221,172,750 | 2,747 |
| Average equity | $16,593,500 | 3,109 |
| Average total loans | $128,098,250 | 2,876 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,833 |
| Cost of funding earning assets | 1.2193% | 1,928 |
| Net interest margin | 3.2032% | 2,990 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.7539% | 4,079 |
| Loan and lease loss provision to assets | -0.2000% | 4,610 |
| Net operating income to assets | 1.8645% | 595 |
| Return on assets (ROA) | 1.8783% | 579 |
| Pretax return on assets | 1.8783% | 895 |
| Return on Equity (ROE) | 25.7500% | 349 |
| Retained earnings to average equity (ytd only) | 17.4610% | 374 |
| Net charge-offs to loans | -0.2619% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.3534% | 3,823 |
| Assets per employee ($millions) | 8.9951% | 911 |
| Cash dividends to net income (ytd only)* | 32.1987% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8529% | 544 |
| Loan loss allowance to noncurrent loans | 531.4607% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 2,243 |
| Noncurrent loans to loans | 0.3487% | 1,879 |
| Net loans and leases to total assets | 53.5600% | 3,296 |
| Net loans and leases to deposits | 58.6912% | 3,502 |
| Net loans and leases to core deposits | 62.6028% | 3,514 |
| Total domestic deposits to total assets | 91.2600% | 569 |
| Equity capital to assets | 7.3471% | 3,608 |
| Core capital (leverage) ratio | 11.4310% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $231,483,667 | 2,805 |
| Average earning assets | $222,591,000 | 2,751 |
| Average equity | $16,883,333 | 3,111 |
| Average total loans | $128,305,667 | 2,870 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 2,851 |
| Cost of funding earning assets | 1.0906% | 1,777 |
| Net interest margin | 3.1871% | 3,146 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.6779% | 4,217 |
| Loan and lease loss provision to assets | -0.4600% | 4,656 |
| Net operating income to assets | 2.1886% | 379 |
| Return on assets (ROA) | 2.1990% | 365 |
| Pretax return on assets | 2.1990% | 574 |
| Return on Equity (ROE) | 30.2600% | 228 |
| Retained earnings to average equity (ytd only) | 21.8962% | 293 |
| Net charge-offs to loans | -0.5224% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.3109% | 3,994 |
| Assets per employee ($millions) | 8.5536% | 1,109 |
| Cash dividends to net income (ytd only)* | 27.6461% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 553 |
| Loan loss allowance to noncurrent loans | 557.0406% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 2,241 |
| Noncurrent loans to loans | 0.3391% | 1,932 |
| Net loans and leases to total assets | 52.4900% | 3,314 |
| Net loans and leases to deposits | 58.4474% | 3,429 |
| Net loans and leases to core deposits | 62.4451% | 3,423 |
| Total domestic deposits to total assets | 89.8100% | 1,227 |
| Equity capital to assets | 7.5273% | 3,547 |
| Core capital (leverage) ratio | 11.4026% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $230,289,000 | 2,841 |
| Average earning assets | $221,895,000 | 2,787 |
| Average equity | $16,733,500 | 3,152 |
| Average total loans | $128,641,000 | 2,903 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 2,323 |
| Cost of funding earning assets | 0.3929% | 2,155 |
| Net interest margin | 3.3907% | 2,289 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 1.8893% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0556% | 269 |
| Return on assets (ROA) | 2.0150% | 280 |
| Pretax return on assets | 2.0150% | 466 |
| Return on Equity (ROE) | 25.2700% | 201 |
| Retained earnings to average equity (ytd only) | 12.7344% | 546 |
| Net charge-offs to loans | -0.1761% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.8916% | 4,247 |
| Assets per employee ($millions) | 8.2011% | 1,233 |
| Cash dividends to net income (ytd only)* | 49.6005% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 499 |
| Loan loss allowance to noncurrent loans | 301.9953% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 1,380 |
| Noncurrent loans to loans | 0.6371% | 1,163 |
| Net loans and leases to total assets | 57.1100% | 2,907 |
| Net loans and leases to deposits | 66.6946% | 2,842 |
| Net loans and leases to core deposits | 69.9200% | 2,875 |
| Total domestic deposits to total assets | 85.6300% | 2,824 |
| Equity capital to assets | 7.0038% | 3,667 |
| Core capital (leverage) ratio | 11.2341% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $223,628,000 | 2,883 |
| Average earning assets | $214,028,400 | 2,835 |
| Average equity | $17,833,600 | 3,136 |
| Average total loans | $124,938,000 | 2,881 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6293% | 2,260 |
| Cost of funding earning assets | 0.2670% | 2,519 |
| Net interest margin | 3.3623% | 2,094 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 1.8511% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1747% | 217 |
| Return on assets (ROA) | 2.1717% | 214 |
| Pretax return on assets | 2.1717% | 336 |
| Return on Equity (ROE) | 26.4000% | 151 |
| Retained earnings to average equity (ytd only) | 12.9015% | 627 |
| Net charge-offs to loans | -0.0641% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.9818% | 4,380 |
| Assets per employee ($millions) | 8.3129% | 1,167 |
| Cash dividends to net income (ytd only)* | 51.1332% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 670 |
| Loan loss allowance to noncurrent loans | 498.3471% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 2,170 |
| Noncurrent loans to loans | 0.3703% | 1,913 |
| Net loans and leases to total assets | 57.1500% | 2,782 |
| Net loans and leases to deposits | 63.2445% | 2,925 |
| Net loans and leases to core deposits | 66.8407% | 2,890 |
| Total domestic deposits to total assets | 90.3700% | 1,492 |
| Equity capital to assets | 6.3574% | 3,818 |
| Core capital (leverage) ratio | 11.0326% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $222,127,250 | 2,906 |
| Average earning assets | $212,193,250 | 2,866 |
| Average equity | $18,271,250 | 3,137 |
| Average total loans | $122,741,500 | 2,903 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5076% | 2,118 |
| Cost of funding earning assets | 0.2135% | 2,725 |
| Net interest margin | 3.2940% | 1,931 |
| Noninterest income to average assets | 0.3054% | 3,333 |
| Noninterest expense to average assets | 1.8622% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5794% | 576 |
| Return on assets (ROA) | 1.5694% | 575 |
| Pretax return on assets | 1.5694% | 1,008 |
| Return on Equity (ROE) | 17.7197% | 506 |
| Retained earnings to average equity (ytd only) | 10.5788% | 884 |
| Net charge-offs to loans | -0.0983% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1087% | 3,957 |
| Assets per employee ($millions) | 8.0003% | 1,304 |
| Cash dividends to net income (ytd only)* | 40.2994% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9193% | 637 |
| Loan loss allowance to noncurrent loans | 493.2515% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 2,224 |
| Noncurrent loans to loans | 0.3891% | 1,969 |
| Net loans and leases to total assets | 55.0233% | 2,857 |
| Net loans and leases to deposits | 60.7768% | 2,993 |
| Net loans and leases to core deposits | 63.7361% | 2,991 |
| Total domestic deposits to total assets | 90.5333% | 1,449 |
| Equity capital to assets | 6.8101% | 3,866 |
| Core capital (leverage) ratio | 10.8688% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,354,000 | 2,934 |
| Average earning assets | $210,745,333 | 2,911 |
| Average equity | $19,605,333 | 3,099 |
| Average total loans | $120,091,333 | 2,944 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3052% | 2,373 |
| Cost of funding earning assets | 0.1989% | 2,819 |
| Net interest margin | 3.1063% | 2,155 |
| Noninterest income to average assets | 0.3000% | 3,317 |
| Noninterest expense to average assets | 1.8270% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4253% | 748 |
| Return on assets (ROA) | 1.4307% | 741 |
| Pretax return on assets | 1.4307% | 1,176 |
| Return on Equity (ROE) | 14.4533% | 741 |
| Retained earnings to average equity (ytd only) | 8.0255% | 1,576 |
| Net charge-offs to loans | -0.0170% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1766% | 3,861 |
| Assets per employee ($millions) | 8.6364% | 1,048 |
| Cash dividends to net income (ytd only)* | 44.4727% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 681 |
| Loan loss allowance to noncurrent loans | 439.1061% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,204 |
| Noncurrent loans to loans | 0.4436% | 1,919 |
| Net loans and leases to total assets | 52.8598% | 2,900 |
| Net loans and leases to deposits | 59.6334% | 2,936 |
| Net loans and leases to core deposits | 62.6157% | 2,921 |
| Total domestic deposits to total assets | 88.6411% | 2,235 |
| Equity capital to assets | 8.7407% | 2,937 |
| Core capital (leverage) ratio | 10.5768% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,027,500 | 2,966 |
| Average earning assets | $209,126,500 | 2,935 |
| Average equity | $21,780,500 | 3,002 |
| Average total loans | $117,303,000 | 2,967 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 1,942 |
| Cost of funding earning assets | 0.2554% | 2,864 |
| Net interest margin | 3.5142% | 1,689 |
| Noninterest income to average assets | 0.3972% | 3,064 |
| Noninterest expense to average assets | 2.0049% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7198% | 602 |
| Return on assets (ROA) | 1.7400% | 604 |
| Pretax return on assets | 1.7400% | 1,045 |
| Return on Equity (ROE) | 14.9497% | 959 |
| Retained earnings to average equity (ytd only) | 8.7840% | 1,261 |
| Net charge-offs to loans | -0.1354% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8269% | 3,948 |
| Assets per employee ($millions) | 7.6967% | 1,499 |
| Cash dividends to net income (ytd only)* | 41.2429% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 545 |
| Loan loss allowance to noncurrent loans | 430.9524% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 2,297 |
| Noncurrent loans to loans | 0.4808% | 1,926 |
| Net loans and leases to total assets | 51.5990% | 3,110 |
| Net loans and leases to deposits | 59.8680% | 3,085 |
| Net loans and leases to core deposits | 62.4856% | 3,118 |
| Total domestic deposits to total assets | 86.1880% | 2,840 |
| Equity capital to assets | 11.1059% | 1,734 |
| Core capital (leverage) ratio | 10.8296% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,448,600 | 3,039 |
| Average earning assets | $192,648,800 | 3,011 |
| Average equity | $23,679,400 | 2,932 |
| Average total loans | $111,512,200 | 3,054 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5400% | 2,719 |
| Cost of funding earning assets | 0.2698% | 2,901 |
| Net interest margin | 3.2702% | 2,509 |
| Noninterest income to average assets | 0.7490% | 1,676 |
| Noninterest expense to average assets | 1.9524% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8925% | 566 |
| Return on assets (ROA) | 1.9138% | 564 |
| Pretax return on assets | 1.9138% | 923 |
| Return on Equity (ROE) | 16.2430% | 898 |
| Retained earnings to average equity (ytd only) | 9.3551% | 1,550 |
| Net charge-offs to loans | -0.1814% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7785% | 4,143 |
| Assets per employee ($millions) | 7.7295% | 1,429 |
| Cash dividends to net income (ytd only)* | 42.4053% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 535 |
| Loan loss allowance to noncurrent loans | 423.9640% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 2,443 |
| Noncurrent loans to loans | 0.4949% | 2,073 |
| Net loans and leases to total assets | 52.6115% | 3,130 |
| Net loans and leases to deposits | 61.6119% | 3,082 |
| Net loans and leases to core deposits | 64.3641% | 3,100 |
| Total domestic deposits to total assets | 85.3917% | 2,988 |
| Equity capital to assets | 11.6303% | 1,588 |
| Core capital (leverage) ratio | 11.0124% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,433,750 | 3,098 |
| Average earning assets | $189,751,000 | 3,067 |
| Average equity | $23,615,750 | 2,971 |
| Average total loans | $111,002,000 | 3,102 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 2,666 |
| Cost of funding earning assets | 0.2844% | 2,928 |
| Net interest margin | 3.3041% | 2,420 |
| Noninterest income to average assets | 0.8731% | 1,346 |
| Noninterest expense to average assets | 1.9233% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0650% | 435 |
| Return on assets (ROA) | 2.0973% | 427 |
| Pretax return on assets | 2.0973% | 686 |
| Return on Equity (ROE) | 17.7202% | 686 |
| Retained earnings to average equity (ytd only) | 13.6171% | 613 |
| Net charge-offs to loans | -0.1012% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2243% | 4,372 |
| Assets per employee ($millions) | 7.8515% | 1,278 |
| Cash dividends to net income (ytd only)* | 23.1548% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9742% | 641 |
| Loan loss allowance to noncurrent loans | 397.3592% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 2,534 |
| Noncurrent loans to loans | 0.4968% | 2,189 |
| Net loans and leases to total assets | 54.8961% | 3,035 |
| Net loans and leases to deposits | 64.2995% | 2,968 |
| Net loans and leases to core deposits | 67.5282% | 2,993 |
| Total domestic deposits to total assets | 85.3757% | 2,952 |
| Equity capital to assets | 11.8032% | 1,459 |
| Core capital (leverage) ratio | 11.0964% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,679,667 | 3,118 |
| Average earning assets | $186,373,333 | 3,097 |
| Average equity | $23,397,000 | 2,978 |
| Average total loans | $110,619,000 | 3,119 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 2,588 |
| Cost of funding earning assets | 0.3008% | 2,985 |
| Net interest margin | 3.3172% | 2,339 |
| Noninterest income to average assets | 0.8084% | 1,560 |
| Noninterest expense to average assets | 1.8864% | 4,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0530% | 531 |
| Return on assets (ROA) | 2.1229% | 509 |
| Pretax return on assets | 2.1229% | 775 |
| Return on Equity (ROE) | 17.9104% | 738 |
| Retained earnings to average equity (ytd only) | 13.7452% | 787 |
| Net charge-offs to loans | -0.1066% | 4,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8851% | 4,347 |
| Assets per employee ($millions) | 7.7452% | 1,317 |
| Cash dividends to net income (ytd only)* | 23.2558% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0966% | 505 |
| Loan loss allowance to noncurrent loans | 380.7167% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 2,681 |
| Noncurrent loans to loans | 0.5507% | 2,209 |
| Net loans and leases to total assets | 51.7348% | 3,470 |
| Net loans and leases to deposits | 60.2885% | 3,459 |
| Net loans and leases to core deposits | 64.6396% | 3,353 |
| Total domestic deposits to total assets | 85.8120% | 2,806 |
| Equity capital to assets | 11.3669% | 1,621 |
| Core capital (leverage) ratio | 11.0711% | 1,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,449,500 | 3,128 |
| Average earning assets | $183,528,500 | 3,109 |
| Average equity | $23,048,000 | 2,991 |
| Average total loans | $108,767,500 | 3,147 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 2,240 |
| Cost of funding earning assets | 0.6682% | 1,887 |
| Net interest margin | 3.4981% | 2,486 |
| Noninterest income to average assets | 0.3852% | 3,177 |
| Noninterest expense to average assets | 2.1196% | 3,892 |
| Loan and lease loss provision to assets | 0.0714% | 3,491 |
| Net operating income to assets | 1.5016% | 805 |
| Return on assets (ROA) | 1.5492% | 777 |
| Pretax return on assets | 1.5492% | 1,196 |
| Return on Equity (ROE) | 13.3629% | 947 |
| Retained earnings to average equity (ytd only) | 6.0608% | 1,769 |
| Net charge-offs to loans | 0.1083% | 1,390 |
| Credit loss provision to net charge-offs | 111.5702% | 2,713 |
| Earnings coverage of net charge-offs (x) | 24.5702% | 1,770 |
| Efficiency ratio | 57.4008% | 3,804 |
| Assets per employee ($millions) | 6.2508% | 2,123 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 615 |
| Loan loss allowance to noncurrent loans | 338.2488% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 2,599 |
| Noncurrent loans to loans | 0.5858% | 2,237 |
| Net loans and leases to total assets | 58.0838% | 3,076 |
| Net loans and leases to deposits | 68.6566% | 3,012 |
| Net loans and leases to core deposits | 71.8837% | 3,086 |
| Total domestic deposits to total assets | 84.6004% | 2,916 |
| Equity capital to assets | 12.3749% | 1,377 |
| Core capital (leverage) ratio | 10.9076% | 1,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,995,800 | 3,035 |
| Average earning assets | $178,699,000 | 3,010 |
| Average equity | $21,911,400 | 3,017 |
| Average total loans | $111,716,600 | 3,072 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2170% | 2,346 |
| Cost of funding earning assets | 0.6912% | 2,077 |
| Net interest margin | 3.5258% | 2,501 |
| Noninterest income to average assets | 0.4091% | 3,033 |
| Noninterest expense to average assets | 2.0588% | 4,028 |
| Loan and lease loss provision to assets | 0.0951% | 3,132 |
| Net operating income to assets | 1.5884% | 752 |
| Return on assets (ROA) | 1.6532% | 715 |
| Pretax return on assets | 1.6532% | 1,062 |
| Return on Equity (ROE) | 14.5017% | 794 |
| Retained earnings to average equity (ytd only) | 7.0903% | 1,652 |
| Net charge-offs to loans | 0.0906% | 1,397 |
| Credit loss provision to net charge-offs | 177.6316% | 2,190 |
| Earnings coverage of net charge-offs (x) | 31.4605% | 1,541 |
| Efficiency ratio | 55.0141% | 4,036 |
| Assets per employee ($millions) | 6.6529% | 1,710 |
| Cash dividends to net income (ytd only)* | 51.1073% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 482 |
| Loan loss allowance to noncurrent loans | 66.4988% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.7498% | 443 |
| Noncurrent loans to loans | 3.0323% | 303 |
| Net loans and leases to total assets | 56.5424% | 3,573 |
| Net loans and leases to deposits | 67.1859% | 3,535 |
| Net loans and leases to core deposits | 73.3041% | 3,374 |
| Total domestic deposits to total assets | 84.1582% | 2,764 |
| Equity capital to assets | 11.9254% | 1,724 |
| Core capital (leverage) ratio | 11.0390% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,363,750 | 3,017 |
| Average earning assets | $179,017,750 | 2,991 |
| Average equity | $21,587,750 | 3,042 |
| Average total loans | $111,865,000 | 3,081 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3056% | 2,458 |
| Cost of funding earning assets | 0.8016% | 1,820 |
| Net interest margin | 3.5040% | 2,774 |
| Noninterest income to average assets | 0.4336% | 2,885 |
| Noninterest expense to average assets | 2.0162% | 4,203 |
| Loan and lease loss provision to assets | 0.0957% | 3,076 |
| Net operating income to assets | 1.6251% | 722 |
| Return on assets (ROA) | 1.7229% | 652 |
| Pretax return on assets | 1.7229% | 952 |
| Return on Equity (ROE) | 15.3545% | 652 |
| Retained earnings to average equity (ytd only) | 7.7767% | 1,376 |
| Net charge-offs to loans | -0.0018% | 3,803 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9534% | 4,183 |
| Assets per employee ($millions) | 6.8897% | 1,510 |
| Cash dividends to net income (ytd only)* | 49.3523% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0217% | 421 |
| Loan loss allowance to noncurrent loans | 57.5436% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0512% | 338 |
| Noncurrent loans to loans | 3.5133% | 224 |
| Net loans and leases to total assets | 57.2041% | 3,586 |
| Net loans and leases to deposits | 67.7723% | 3,591 |
| Net loans and leases to core deposits | 75.0022% | 3,370 |
| Total domestic deposits to total assets | 84.4063% | 2,595 |
| Equity capital to assets | 11.7298% | 1,819 |
| Core capital (leverage) ratio | 10.6648% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,174,000 | 3,005 |
| Average earning assets | $177,398,333 | 2,979 |
| Average equity | $21,114,333 | 3,072 |
| Average total loans | $112,042,000 | 3,066 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3832% | 2,678 |
| Cost of funding earning assets | 0.7781% | 2,508 |
| Net interest margin | 3.6051% | 2,650 |
| Noninterest income to average assets | 0.3208% | 3,598 |
| Noninterest expense to average assets | 2.1033% | 4,211 |
| Loan and lease loss provision to assets | 0.0969% | 2,475 |
| Net operating income to assets | 1.5220% | 742 |
| Return on assets (ROA) | 1.7201% | 545 |
| Pretax return on assets | 1.7201% | 829 |
| Return on Equity (ROE) | 15.6994% | 460 |
| Retained earnings to average equity (ytd only) | 7.8399% | 1,277 |
| Net charge-offs to loans | -0.0143% | 4,202 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5067% | 4,160 |
| Assets per employee ($millions) | 6.0687% | 1,624 |
| Cash dividends to net income (ytd only)* | 50.0626% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 483 |
| Loan loss allowance to noncurrent loans | 213.9713% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 2,327 |
| Noncurrent loans to loans | 0.9443% | 1,744 |
| Net loans and leases to total assets | 57.6320% | 3,701 |
| Net loans and leases to deposits | 68.5948% | 3,687 |
| Net loans and leases to core deposits | 79.6789% | 3,226 |
| Total domestic deposits to total assets | 84.0180% | 2,787 |
| Equity capital to assets | 10.6070% | 3,226 |
| Core capital (leverage) ratio | 10.7657% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,805,500 | 2,998 |
| Average earning assets | $175,305,500 | 2,965 |
| Average equity | $20,357,500 | 3,135 |
| Average total loans | $111,748,000 | 3,060 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 2,041 |
| Cost of funding earning assets | 0.9659% | 1,878 |
| Net interest margin | 3.8332% | 2,395 |
| Noninterest income to average assets | 0.3477% | 3,619 |
| Noninterest expense to average assets | 2.2169% | 4,132 |
| Loan and lease loss provision to assets | 0.1057% | 1,962 |
| Net operating income to assets | 1.6453% | 745 |
| Return on assets (ROA) | 1.6512% | 785 |
| Pretax return on assets | 1.6512% | 1,335 |
| Return on Equity (ROE) | 14.4185% | 812 |
| Retained earnings to average equity (ytd only) | 7.2375% | 1,287 |
| Net charge-offs to loans | 0.0751% | 2,021 |
| Credit loss provision to net charge-offs | 211.7647% | 1,255 |
| Earnings coverage of net charge-offs (x) | 35.0706% | 1,425 |
| Efficiency ratio | 55.8697% | 4,219 |
| Assets per employee ($millions) | 6.3269% | 1,403 |
| Cash dividends to net income (ytd only)* | 49.8043% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 514 |
| Loan loss allowance to noncurrent loans | 233.6538% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 2,370 |
| Noncurrent loans to loans | 0.8295% | 1,851 |
| Net loans and leases to total assets | 60.3060% | 3,555 |
| Net loans and leases to deposits | 72.4752% | 3,479 |
| Net loans and leases to core deposits | 81.8211% | 3,142 |
| Total domestic deposits to total assets | 83.2092% | 3,134 |
| Equity capital to assets | 11.3145% | 2,692 |
| Core capital (leverage) ratio | 11.4559% | 2,145 |
| Tier 1 risk-based capital ratio | 16.0515% | 2,387 |
| Total risk-based capital ratio | 17.3074% | 2,332 |
| Memoranda: | ||
| Average total assets | $170,241,000 | 3,109 |
| Average earning assets | $160,780,200 | 3,075 |
| Average equity | $19,495,800 | 3,174 |
| Average total loans | $113,147,600 | 3,034 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 1,821 |
| Cost of funding earning assets | 1.0097% | 1,720 |
| Net interest margin | 3.8893% | 2,295 |
| Noninterest income to average assets | 0.3690% | 3,503 |
| Noninterest expense to average assets | 2.2723% | 4,023 |
| Loan and lease loss provision to assets | 0.1318% | 1,463 |
| Net operating income to assets | 1.6382% | 848 |
| Return on assets (ROA) | 1.6294% | 908 |
| Pretax return on assets | 1.6294% | 1,529 |
| Return on Equity (ROE) | 14.1813% | 945 |
| Retained earnings to average equity (ytd only) | 6.5345% | 2,098 |
| Net charge-offs to loans | 0.0707% | 1,816 |
| Credit loss provision to net charge-offs | 275.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 36.9324% | 1,437 |
| Efficiency ratio | 56.2142% | 4,150 |
| Assets per employee ($millions) | 5.8689% | 1,698 |
| Cash dividends to net income (ytd only)* | 53.9216% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9331% | 526 |
| Loan loss allowance to noncurrent loans | 183.8494% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 1,947 |
| Noncurrent loans to loans | 1.0515% | 1,522 |
| Net loans and leases to total assets | 65.4859% | 3,115 |
| Net loans and leases to deposits | 79.9184% | 2,905 |
| Net loans and leases to core deposits | 94.4238% | 2,144 |
| Total domestic deposits to total assets | 81.9409% | 3,489 |
| Equity capital to assets | 11.9591% | 2,293 |
| Core capital (leverage) ratio | 11.2271% | 2,443 |
| Tier 1 risk-based capital ratio | 15.8021% | 2,514 |
| Total risk-based capital ratio | 17.0587% | 2,450 |
| Memoranda: | ||
| Average total assets | $166,931,000 | 3,160 |
| Average earning assets | $157,660,250 | 3,137 |
| Average equity | $19,179,750 | 3,226 |
| Average total loans | $113,225,250 | 3,071 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8469% | 1,915 |
| Cost of funding earning assets | 0.9890% | 1,746 |
| Net interest margin | 3.8579% | 2,379 |
| Noninterest income to average assets | 0.3654% | 3,490 |
| Noninterest expense to average assets | 2.2503% | 4,124 |
| Loan and lease loss provision to assets | 0.1447% | 1,279 |
| Net operating income to assets | 1.6160% | 872 |
| Return on assets (ROA) | 1.6039% | 943 |
| Pretax return on assets | 1.6039% | 1,536 |
| Return on Equity (ROE) | 14.1577% | 943 |
| Retained earnings to average equity (ytd only) | 5.6418% | 2,454 |
| Net charge-offs to loans | -0.0106% | 4,342 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1034% | 4,236 |
| Assets per employee ($millions) | 5.5031% | 1,966 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 521 |
| Loan loss allowance to noncurrent loans | 150.8844% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 1,571 |
| Noncurrent loans to loans | 1.2883% | 1,225 |
| Net loans and leases to total assets | 67.7695% | 2,854 |
| Net loans and leases to deposits | 83.3994% | 2,558 |
| Net loans and leases to core deposits | 97.6215% | 1,916 |
| Total domestic deposits to total assets | 81.2589% | 3,734 |
| Equity capital to assets | 11.9685% | 2,207 |
| Core capital (leverage) ratio | 11.4485% | 2,209 |
| Tier 1 risk-based capital ratio | 15.6382% | 2,569 |
| Total risk-based capital ratio | 16.8946% | 2,499 |
| Memoranda: | ||
| Average total assets | $165,842,330 | 3,189 |
| Average earning assets | $156,719,000 | 3,161 |
| Average equity | $18,788,330 | 3,271 |
| Average total loans | $113,083,000 | 3,089 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7471% | 2,058 |
| Cost of funding earning assets | 0.8698% | 2,157 |
| Net interest margin | 3.8772% | 2,258 |
| Noninterest income to average assets | 0.3562% | 3,472 |
| Noninterest expense to average assets | 2.3632% | 3,867 |
| Loan and lease loss provision to assets | 0.1805% | 919 |
| Net operating income to assets | 1.4704% | 1,177 |
| Return on assets (ROA) | 1.4704% | 1,205 |
| Pretax return on assets | 1.4704% | 1,866 |
| Return on Equity (ROE) | 13.3530% | 1,127 |
| Retained earnings to average equity (ytd only) | 2.4258% | 3,948 |
| Net charge-offs to loans | 0.0249% | 1,951 |
| Credit loss provision to net charge-offs | 1,071.4286% | 350 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 676 |
| Efficiency ratio | 58.8729% | 3,971 |
| Assets per employee ($millions) | 5.4027% | 2,068 |
| Cash dividends to net income (ytd only)* | 81.8331% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 547 |
| Loan loss allowance to noncurrent loans | 148.8629% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 1,636 |
| Noncurrent loans to loans | 1.3126% | 1,247 |
| Net loans and leases to total assets | 64.7145% | 3,205 |
| Net loans and leases to deposits | 78.6850% | 2,984 |
| Net loans and leases to core deposits | 90.1932% | 2,483 |
| Total domestic deposits to total assets | 82.2450% | 3,664 |
| Equity capital to assets | 11.1114% | 2,737 |
| Core capital (leverage) ratio | 11.1923% | 2,397 |
| Tier 1 risk-based capital ratio | 15.5269% | 2,642 |
| Total risk-based capital ratio | 16.7833% | 2,554 |
| Memoranda: | ||
| Average total assets | $166,217,500 | 3,226 |
| Average earning assets | $156,813,000 | 3,198 |
| Average equity | $18,303,000 | 3,327 |
| Average total loans | $112,574,500 | 3,123 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 2,052 |
| Cost of funding earning assets | 0.6895% | 2,150 |
| Net interest margin | 3.9405% | 2,192 |
| Noninterest income to average assets | 0.4257% | 3,275 |
| Noninterest expense to average assets | 2.2916% | 4,142 |
| Loan and lease loss provision to assets | 0.0568% | 3,036 |
| Net operating income to assets | 1.7569% | 607 |
| Return on assets (ROA) | 1.6976% | 690 |
| Pretax return on assets | 1.6976% | 1,172 |
| Return on Equity (ROE) | 15.6950% | 687 |
| Retained earnings to average equity (ytd only) | 8.4655% | 1,055 |
| Net charge-offs to loans | -0.1435% | 5,218 |
| Credit loss provision to net charge-offs | -58.0645% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8218% | 4,430 |
| Assets per employee ($millions) | 5.6879% | 1,781 |
| Cash dividends to net income (ytd only)* | 46.0624% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 653 |
| Loan loss allowance to noncurrent loans | 141.6385% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 1,520 |
| Noncurrent loans to loans | 1.2888% | 1,229 |
| Net loans and leases to total assets | 68.2085% | 2,855 |
| Net loans and leases to deposits | 82.8236% | 2,637 |
| Net loans and leases to core deposits | 93.5891% | 2,264 |
| Total domestic deposits to total assets | 82.3540% | 3,535 |
| Equity capital to assets | 10.9100% | 2,782 |
| Core capital (leverage) ratio | 11.4814% | 2,119 |
| Tier 1 risk-based capital ratio | 15.0299% | 2,820 |
| Total risk-based capital ratio | 16.2851% | 2,748 |
| Memoranda: | ||
| Average total assets | $158,576,000 | 3,301 |
| Average earning assets | $148,076,400 | 3,272 |
| Average equity | $17,152,000 | 3,380 |
| Average total loans | $108,000,800 | 3,169 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 1,948 |
| Cost of funding earning assets | 0.6485% | 2,159 |
| Net interest margin | 3.9615% | 2,085 |
| Noninterest income to average assets | 0.4459% | 3,195 |
| Noninterest expense to average assets | 2.3127% | 4,066 |
| Loan and lease loss provision to assets | 0.0255% | 3,505 |
| Net operating income to assets | 1.7963% | 606 |
| Return on assets (ROA) | 1.7377% | 698 |
| Pretax return on assets | 1.7377% | 1,184 |
| Return on Equity (ROE) | 16.1025% | 680 |
| Retained earnings to average equity (ytd only) | 9.0193% | 1,213 |
| Net charge-offs to loans | -0.1555% | 5,256 |
| Credit loss provision to net charge-offs | -24.1935% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9367% | 4,398 |
| Assets per employee ($millions) | 5.3070% | 2,114 |
| Cash dividends to net income (ytd only)* | 43.9883% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 705 |
| Loan loss allowance to noncurrent loans | 129.4308% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 1,474 |
| Noncurrent loans to loans | 1.4011% | 1,185 |
| Net loans and leases to total assets | 68.0477% | 2,929 |
| Net loans and leases to deposits | 83.0628% | 2,705 |
| Net loans and leases to core deposits | 92.0529% | 2,480 |
| Total domestic deposits to total assets | 81.9231% | 3,636 |
| Equity capital to assets | 10.8901% | 2,765 |
| Core capital (leverage) ratio | 11.5229% | 2,149 |
| Tier 1 risk-based capital ratio | 15.4032% | 2,692 |
| Total risk-based capital ratio | 16.6586% | 2,618 |
| Memoranda: | ||
| Average total assets | $156,982,500 | 3,345 |
| Average earning assets | $146,170,750 | 3,333 |
| Average equity | $16,941,000 | 3,423 |
| Average total loans | $106,350,500 | 3,222 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 2,036 |
| Cost of funding earning assets | 0.5975% | 2,242 |
| Net interest margin | 3.9198% | 2,139 |
| Noninterest income to average assets | 0.3968% | 3,508 |
| Noninterest expense to average assets | 2.2798% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7614% | 633 |
| Return on assets (ROA) | 1.7153% | 704 |
| Pretax return on assets | 1.7153% | 1,182 |
| Return on Equity (ROE) | 15.9442% | 685 |
| Retained earnings to average equity (ytd only) | 7.6151% | 1,790 |
| Net charge-offs to loans | -0.3447% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4143% | 4,428 |
| Assets per employee ($millions) | 5.4150% | 1,980 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 672 |
| Loan loss allowance to noncurrent loans | 161.4161% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 1,819 |
| Noncurrent loans to loans | 1.1559% | 1,505 |
| Net loans and leases to total assets | 67.9553% | 2,878 |
| Net loans and leases to deposits | 82.9006% | 2,668 |
| Net loans and leases to core deposits | 92.5942% | 2,346 |
| Total domestic deposits to total assets | 81.9721% | 3,729 |
| Equity capital to assets | 10.8391% | 2,793 |
| Core capital (leverage) ratio | 11.5073% | 2,071 |
| Tier 1 risk-based capital ratio | 15.2717% | 2,742 |
| Total risk-based capital ratio | 16.5271% | 2,671 |
| Memoranda: | ||
| Average total assets | $156,240,330 | 3,365 |
| Average earning assets | $145,263,670 | 3,355 |
| Average equity | $16,808,670 | 3,461 |
| Average total loans | $105,021,000 | 3,248 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,159 |
| Cost of funding earning assets | 0.5820% | 2,159 |
| Net interest margin | 3.8300% | 2,301 |
| Noninterest income to average assets | 0.3619% | 3,723 |
| Noninterest expense to average assets | 2.3665% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5426% | 972 |
| Return on assets (ROA) | 1.5426% | 980 |
| Pretax return on assets | 1.5426% | 1,558 |
| Return on Equity (ROE) | 14.3931% | 930 |
| Retained earnings to average equity (ytd only) | 2.4188% | 4,203 |
| Net charge-offs to loans | -0.6786% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5384% | 3,997 |
| Assets per employee ($millions) | 4.9885% | 2,508 |
| Cash dividends to net income (ytd only)* | 83.1947% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9392% | 615 |
| Loan loss allowance to noncurrent loans | 217.1858% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 2,441 |
| Noncurrent loans to loans | 0.8929% | 2,040 |
| Net loans and leases to total assets | 66.1192% | 3,018 |
| Net loans and leases to deposits | 78.6799% | 2,945 |
| Net loans and leases to core deposits | 86.4635% | 2,764 |
| Total domestic deposits to total assets | 84.0357% | 3,315 |
| Equity capital to assets | 10.6651% | 2,902 |
| Core capital (leverage) ratio | 11.1515% | 2,278 |
| Tier 1 risk-based capital ratio | 15.3676% | 2,709 |
| Total risk-based capital ratio | 16.6239% | 2,649 |
| Memoranda: | ||
| Average total assets | $155,843,500 | 3,406 |
| Average earning assets | $144,334,500 | 3,402 |
| Average equity | $16,702,500 | 3,508 |
| Average total loans | $103,160,500 | 3,304 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 2,315 |
| Cost of funding earning assets | 0.5190% | 2,190 |
| Net interest margin | 3.7847% | 2,480 |
| Noninterest income to average assets | 0.4256% | 3,471 |
| Noninterest expense to average assets | 2.3559% | 4,195 |
| Loan and lease loss provision to assets | 0.0087% | 4,094 |
| Net operating income to assets | 1.5889% | 666 |
| Return on assets (ROA) | 1.5848% | 686 |
| Pretax return on assets | 1.5848% | 1,337 |
| Return on Equity (ROE) | 14.5263% | 685 |
| Retained earnings to average equity (ytd only) | 7.8511% | 814 |
| Net charge-offs to loans | -0.0269% | 5,031 |
| Credit loss provision to net charge-offs | -48.1481% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5910% | 4,321 |
| Assets per employee ($millions) | 6.0401% | 1,491 |
| Cash dividends to net income (ytd only)* | 45.9528% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 769 |
| Loan loss allowance to noncurrent loans | 171.8140% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 2,266 |
| Noncurrent loans to loans | 1.0534% | 1,684 |
| Net loans and leases to total assets | 63.8059% | 3,388 |
| Net loans and leases to deposits | 75.9164% | 3,333 |
| Net loans and leases to core deposits | 85.5258% | 2,943 |
| Total domestic deposits to total assets | 84.0476% | 3,189 |
| Equity capital to assets | 10.7691% | 2,874 |
| Core capital (leverage) ratio | 11.3470% | 2,063 |
| Tier 1 risk-based capital ratio | 15.5081% | 2,623 |
| Total risk-based capital ratio | 16.7635% | 2,560 |
| Memoranda: | ||
| Average total assets | $149,667,800 | 3,474 |
| Average earning assets | $139,508,200 | 3,460 |
| Average equity | $16,329,000 | 3,554 |
| Average total loans | $100,480,800 | 3,340 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 2,213 |
| Cost of funding earning assets | 0.5126% | 2,166 |
| Net interest margin | 3.8058% | 2,377 |
| Noninterest income to average assets | 0.4438% | 3,376 |
| Noninterest expense to average assets | 2.4064% | 4,001 |
| Loan and lease loss provision to assets | 0.0117% | 3,907 |
| Net operating income to assets | 1.5811% | 752 |
| Return on assets (ROA) | 1.5757% | 776 |
| Pretax return on assets | 1.5757% | 1,498 |
| Return on Equity (ROE) | 14.3932% | 756 |
| Retained earnings to average equity (ytd only) | 7.8021% | 1,303 |
| Net charge-offs to loans | -0.0679% | 5,265 |
| Credit loss provision to net charge-offs | -25.4902% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1714% | 4,184 |
| Assets per employee ($millions) | 4.6148% | 2,952 |
| Cash dividends to net income (ytd only)* | 45.7927% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 759 |
| Loan loss allowance to noncurrent loans | 161.0680% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 2,170 |
| Noncurrent loans to loans | 1.1568% | 1,658 |
| Net loans and leases to total assets | 66.6978% | 3,015 |
| Net loans and leases to deposits | 80.5173% | 2,917 |
| Net loans and leases to core deposits | 88.1546% | 2,757 |
| Total domestic deposits to total assets | 82.8366% | 3,512 |
| Equity capital to assets | 11.4454% | 2,427 |
| Core capital (leverage) ratio | 11.3084% | 2,179 |
| Tier 1 risk-based capital ratio | 15.7151% | 2,622 |
| Total risk-based capital ratio | 16.9712% | 2,556 |
| Memoranda: | ||
| Average total assets | $147,824,250 | 3,526 |
| Average earning assets | $138,102,250 | 3,510 |
| Average equity | $16,183,250 | 3,604 |
| Average total loans | $100,088,750 | 3,381 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,207 |
| Cost of funding earning assets | 0.5069% | 2,117 |
| Net interest margin | 3.7690% | 2,414 |
| Noninterest income to average assets | 0.4044% | 3,665 |
| Noninterest expense to average assets | 2.3466% | 4,222 |
| Loan and lease loss provision to assets | 0.0176% | 3,611 |
| Net operating income to assets | 1.5500% | 790 |
| Return on assets (ROA) | 1.5500% | 809 |
| Pretax return on assets | 1.5500% | 1,495 |
| Return on Equity (ROE) | 14.3756% | 763 |
| Retained earnings to average equity (ytd only) | 6.2219% | 2,003 |
| Net charge-offs to loans | 0.0380% | 2,442 |
| Credit loss provision to net charge-offs | 68.4211% | 2,396 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 941 |
| Efficiency ratio | 59.9516% | 4,322 |
| Assets per employee ($millions) | 5.3470% | 2,012 |
| Cash dividends to net income (ytd only)* | 56.7190% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 796 |
| Loan loss allowance to noncurrent loans | 132.1114% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 1,817 |
| Noncurrent loans to loans | 1.4004% | 1,370 |
| Net loans and leases to total assets | 63.8545% | 3,407 |
| Net loans and leases to deposits | 76.5531% | 3,280 |
| Net loans and leases to core deposits | 85.6080% | 2,918 |
| Total domestic deposits to total assets | 83.4120% | 3,423 |
| Equity capital to assets | 11.0328% | 2,774 |
| Core capital (leverage) ratio | 11.0810% | 2,332 |
| Tier 1 risk-based capital ratio | 15.5229% | 2,700 |
| Total risk-based capital ratio | 16.7848% | 2,630 |
| Memoranda: | ||
| Average total assets | $147,874,000 | 3,551 |
| Average earning assets | $137,701,330 | 3,526 |
| Average equity | $15,943,670 | 3,646 |
| Average total loans | $99,996,330 | 3,397 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,116 |
| Cost of funding earning assets | 0.5071% | 2,028 |
| Net interest margin | 3.7372% | 2,367 |
| Noninterest income to average assets | 0.3838% | 3,782 |
| Noninterest expense to average assets | 2.4062% | 4,094 |
| Loan and lease loss provision to assets | 0.0354% | 3,081 |
| Net operating income to assets | 1.4127% | 976 |
| Return on assets (ROA) | 1.4127% | 1,006 |
| Pretax return on assets | 1.4127% | 1,844 |
| Return on Equity (ROE) | 13.2597% | 947 |
| Retained earnings to average equity (ytd only) | 0.4854% | 4,808 |
| Net charge-offs to loans | 0.0197% | 2,394 |
| Credit loss provision to net charge-offs | 260.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 106.4000% | 511 |
| Efficiency ratio | 62.4294% | 4,088 |
| Assets per employee ($millions) | 4.6387% | 2,940 |
| Cash dividends to net income (ytd only)* | 96.3391% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 932 |
| Loan loss allowance to noncurrent loans | 174.5910% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 2,416 |
| Noncurrent loans to loans | 1.0387% | 1,983 |
| Net loans and leases to total assets | 66.1625% | 2,948 |
| Net loans and leases to deposits | 78.8888% | 2,879 |
| Net loans and leases to core deposits | 90.9816% | 2,271 |
| Total domestic deposits to total assets | 83.8681% | 3,529 |
| Equity capital to assets | 10.5821% | 3,084 |
| Core capital (leverage) ratio | 10.7879% | 2,609 |
| Tier 1 risk-based capital ratio | 14.7691% | 3,085 |
| Total risk-based capital ratio | 16.0239% | 3,003 |
| Memoranda: | ||
| Average total assets | $146,952,500 | 3,591 |
| Average earning assets | $136,465,500 | 3,585 |
| Average equity | $15,656,500 | 3,702 |
| Average total loans | $101,293,000 | 3,395 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,150 |
| Cost of funding earning assets | 0.5698% | 1,540 |
| Net interest margin | 3.7270% | 2,589 |
| Noninterest income to average assets | 0.4059% | 3,832 |
| Noninterest expense to average assets | 2.3249% | 4,500 |
| Loan and lease loss provision to assets | 0.1198% | 2,067 |
| Net operating income to assets | 1.4213% | 970 |
| Return on assets (ROA) | 1.4127% | 1,006 |
| Pretax return on assets | 1.4127% | 1,889 |
| Return on Equity (ROE) | 13.8646% | 799 |
| Retained earnings to average equity (ytd only) | 7.3339% | 1,100 |
| Net charge-offs to loans | 0.0723% | 2,666 |
| Credit loss provision to net charge-offs | 236.8421% | 1,221 |
| Earnings coverage of net charge-offs (x) | 30.4737% | 1,419 |
| Efficiency ratio | 60.1377% | 4,558 |
| Assets per employee ($millions) | 5.1952% | 2,181 |
| Cash dividends to net income (ytd only)* | 47.1032% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7619% | 1,016 |
| Loan loss allowance to noncurrent loans | 163.5294% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 2,310 |
| Noncurrent loans to loans | 1.0774% | 1,931 |
| Net loans and leases to total assets | 69.2629% | 2,590 |
| Net loans and leases to deposits | 82.8521% | 2,564 |
| Net loans and leases to core deposits | 94.3001% | 2,078 |
| Total domestic deposits to total assets | 83.5982% | 3,571 |
| Equity capital to assets | 10.7276% | 2,892 |
| Core capital (leverage) ratio | 10.4753% | 2,900 |
| Tier 1 risk-based capital ratio | 14.5216% | 3,190 |
| Total risk-based capital ratio | 15.7807% | 3,119 |
| Memoranda: | ||
| Average total assets | $150,283,400 | 3,521 |
| Average earning assets | $139,523,400 | 3,500 |
| Average equity | $15,312,400 | 3,772 |
| Average total loans | $105,188,800 | 3,291 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,333 |
| Cost of funding earning assets | 0.5737% | 1,524 |
| Net interest margin | 3.6773% | 2,802 |
| Noninterest income to average assets | 0.4216% | 3,760 |
| Noninterest expense to average assets | 2.3121% | 4,505 |
| Loan and lease loss provision to assets | 0.1584% | 1,463 |
| Net operating income to assets | 1.3757% | 1,114 |
| Return on assets (ROA) | 1.3642% | 1,211 |
| Pretax return on assets | 1.3642% | 2,179 |
| Return on Equity (ROE) | 13.5612% | 905 |
| Retained earnings to average equity (ytd only) | 6.9118% | 1,669 |
| Net charge-offs to loans | 0.1927% | 1,219 |
| Credit loss provision to net charge-offs | 117.6471% | 2,127 |
| Earnings coverage of net charge-offs (x) | 11.3924% | 2,486 |
| Efficiency ratio | 60.1144% | 4,524 |
| Assets per employee ($millions) | 4.7079% | 2,737 |
| Cash dividends to net income (ytd only)* | 49.0322% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 1,331 |
| Loan loss allowance to noncurrent loans | 125.1809% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 2,034 |
| Noncurrent loans to loans | 1.3162% | 1,685 |
| Net loans and leases to total assets | 68.5489% | 2,717 |
| Net loans and leases to deposits | 82.1724% | 2,705 |
| Net loans and leases to core deposits | 99.3994% | 1,694 |
| Total domestic deposits to total assets | 83.4208% | 3,441 |
| Equity capital to assets | 10.5162% | 3,545 |
| Core capital (leverage) ratio | 10.1881% | 3,345 |
| Tier 1 risk-based capital ratio | 14.3603% | 3,358 |
| Total risk-based capital ratio | 15.6155% | 3,290 |
| Memoranda: | ||
| Average total assets | $151,487,750 | 3,510 |
| Average earning assets | $141,078,250 | 3,503 |
| Average equity | $15,239,250 | 3,811 |
| Average total loans | $105,845,750 | 3,289 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2406% | 2,360 |
| Cost of funding earning assets | 0.5742% | 1,508 |
| Net interest margin | 3.6664% | 2,834 |
| Noninterest income to average assets | 0.3835% | 4,000 |
| Noninterest expense to average assets | 2.2508% | 4,728 |
| Loan and lease loss provision to assets | 0.1581% | 1,440 |
| Net operating income to assets | 1.3824% | 1,093 |
| Return on assets (ROA) | 1.3863% | 1,146 |
| Pretax return on assets | 1.3863% | 2,077 |
| Return on Equity (ROE) | 13.9912% | 830 |
| Retained earnings to average equity (ytd only) | 5.2135% | 2,594 |
| Net charge-offs to loans | 0.1168% | 1,664 |
| Credit loss provision to net charge-offs | 193.5484% | 1,330 |
| Earnings coverage of net charge-offs (x) | 18.8548% | 1,803 |
| Efficiency ratio | 59.3674% | 4,733 |
| Assets per employee ($millions) | 4.8395% | 2,498 |
| Cash dividends to net income (ytd only)* | 62.7376% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 1,373 |
| Loan loss allowance to noncurrent loans | 119.3220% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1045% | 1,916 |
| Noncurrent loans to loans | 1.3898% | 1,611 |
| Net loans and leases to total assets | 69.5693% | 2,538 |
| Net loans and leases to deposits | 83.4713% | 2,533 |
| Net loans and leases to core deposits | 98.1982% | 1,789 |
| Total domestic deposits to total assets | 83.3452% | 3,527 |
| Equity capital to assets | 10.3224% | 3,828 |
| Core capital (leverage) ratio | 10.0348% | 3,528 |
| Tier 1 risk-based capital ratio | 13.9815% | 3,615 |
| Total risk-based capital ratio | 15.2362% | 3,531 |
| Memoranda: | ||
| Average total assets | $151,766,000 | 3,534 |
| Average earning assets | $141,065,670 | 3,521 |
| Average equity | $15,038,000 | 3,852 |
| Average total loans | $106,127,330 | 3,304 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 2,327 |
| Cost of funding earning assets | 0.5625% | 1,602 |
| Net interest margin | 3.6791% | 2,757 |
| Noninterest income to average assets | 0.3643% | 4,115 |
| Noninterest expense to average assets | 2.3533% | 4,509 |
| Loan and lease loss provision to assets | 0.1572% | 1,331 |
| Net operating income to assets | 1.2474% | 1,414 |
| Return on assets (ROA) | 1.2553% | 1,489 |
| Pretax return on assets | 1.2553% | 2,482 |
| Return on Equity (ROE) | 12.9337% | 1,051 |
| Retained earnings to average equity (ytd only) | -2.1871% | 5,401 |
| Net charge-offs to loans | 0.1771% | 1,086 |
| Credit loss provision to net charge-offs | 127.6596% | 1,374 |
| Earnings coverage of net charge-offs (x) | 11.4043% | 1,864 |
| Efficiency ratio | 62.6220% | 4,353 |
| Assets per employee ($millions) | 4.8983% | 2,461 |
| Cash dividends to net income (ytd only)* | 116.9102% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 1,512 |
| Loan loss allowance to noncurrent loans | 114.5527% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 1,999 |
| Noncurrent loans to loans | 1.4296% | 1,661 |
| Net loans and leases to total assets | 67.8784% | 2,661 |
| Net loans and leases to deposits | 80.8199% | 2,691 |
| Net loans and leases to core deposits | 95.8052% | 1,821 |
| Total domestic deposits to total assets | 83.9873% | 3,526 |
| Equity capital to assets | 9.7894% | 4,356 |
| Core capital (leverage) ratio | 9.6241% | 4,007 |
| Tier 1 risk-based capital ratio | 13.6843% | 3,880 |
| Total risk-based capital ratio | 14.9383% | 3,806 |
| Memoranda: | ||
| Average total assets | $152,637,500 | 3,546 |
| Average earning assets | $140,793,500 | 3,546 |
| Average equity | $14,814,000 | 3,891 |
| Average total loans | $106,126,000 | 3,312 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 2,804 |
| Cost of funding earning assets | 0.5386% | 1,849 |
| Net interest margin | 3.5928% | 3,165 |
| Noninterest income to average assets | 0.3875% | 4,132 |
| Noninterest expense to average assets | 2.1625% | 5,125 |
| Loan and lease loss provision to assets | 0.1974% | 1,096 |
| Net operating income to assets | 1.3803% | 1,074 |
| Return on assets (ROA) | 1.3862% | 1,108 |
| Pretax return on assets | 1.3862% | 1,952 |
| Return on Equity (ROE) | 14.9016% | 700 |
| Retained earnings to average equity (ytd only) | 6.8390% | 1,354 |
| Net charge-offs to loans | 0.1671% | 1,692 |
| Credit loss provision to net charge-offs | 174.4186% | 1,554 |
| Earnings coverage of net charge-offs (x) | 13.9419% | 2,336 |
| Efficiency ratio | 57.8188% | 5,162 |
| Assets per employee ($millions) | 4.9493% | 2,422 |
| Cash dividends to net income (ytd only)* | 54.1054% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,668 |
| Loan loss allowance to noncurrent loans | 121.6583% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 2,132 |
| Noncurrent loans to loans | 1.3018% | 1,812 |
| Net loans and leases to total assets | 68.9331% | 2,557 |
| Net loans and leases to deposits | 81.8484% | 2,607 |
| Net loans and leases to core deposits | 97.6646% | 1,699 |
| Total domestic deposits to total assets | 84.2205% | 3,392 |
| Equity capital to assets | 9.6222% | 4,405 |
| Core capital (leverage) ratio | 9.6559% | 3,966 |
| Tier 1 risk-based capital ratio | 13.3090% | 4,099 |
| Total risk-based capital ratio | 14.5625% | 4,045 |
| Memoranda: | ||
| Average total assets | $151,998,600 | 3,540 |
| Average earning assets | $141,838,000 | 3,517 |
| Average equity | $14,139,400 | 3,946 |
| Average total loans | $102,927,200 | 3,334 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0927% | 2,974 |
| Cost of funding earning assets | 0.5324% | 1,951 |
| Net interest margin | 3.5603% | 3,300 |
| Noninterest income to average assets | 0.3921% | 4,137 |
| Noninterest expense to average assets | 2.2175% | 5,004 |
| Loan and lease loss provision to assets | 0.1653% | 1,287 |
| Net operating income to assets | 1.3312% | 1,261 |
| Return on assets (ROA) | 1.3321% | 1,314 |
| Pretax return on assets | 1.3321% | 2,276 |
| Return on Equity (ROE) | 14.4452% | 821 |
| Retained earnings to average equity (ytd only) | 5.6256% | 2,508 |
| Net charge-offs to loans | 0.0275% | 3,392 |
| Credit loss provision to net charge-offs | 895.2381% | 407 |
| Earnings coverage of net charge-offs (x) | 81.0457% | 738 |
| Efficiency ratio | 59.7064% | 4,923 |
| Assets per employee ($millions) | 5.1310% | 2,139 |
| Cash dividends to net income (ytd only)* | 61.0560% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 1,536 |
| Loan loss allowance to noncurrent loans | 121.9888% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.0446% | 2,266 |
| Noncurrent loans to loans | 1.3734% | 1,863 |
| Net loans and leases to total assets | 66.4183% | 2,945 |
| Net loans and leases to deposits | 78.7899% | 3,012 |
| Net loans and leases to core deposits | 107.2656% | 1,019 |
| Total domestic deposits to total assets | 84.2980% | 3,304 |
| Equity capital to assets | 9.3725% | 4,911 |
| Core capital (leverage) ratio | 9.2444% | 4,674 |
| Tier 1 risk-based capital ratio | 13.0648% | 4,399 |
| Total risk-based capital ratio | 14.3187% | 4,310 |
| Memoranda: | ||
| Average total assets | $151,641,500 | 3,577 |
| Average earning assets | $141,483,250 | 3,552 |
| Average equity | $13,983,500 | 4,023 |
| Average total loans | $101,793,000 | 3,390 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 2,950 |
| Cost of funding earning assets | 0.5259% | 2,021 |
| Net interest margin | 3.5593% | 3,250 |
| Noninterest income to average assets | 0.3937% | 4,126 |
| Noninterest expense to average assets | 2.2057% | 5,102 |
| Loan and lease loss provision to assets | 0.0994% | 2,165 |
| Net operating income to assets | 1.4078% | 1,079 |
| Return on assets (ROA) | 1.4091% | 1,111 |
| Pretax return on assets | 1.4091% | 1,943 |
| Return on Equity (ROE) | 15.3661% | 683 |
| Retained earnings to average equity (ytd only) | 3.0790% | 4,085 |
| Net charge-offs to loans | 0.0594% | 2,542 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 37.9000% | 1,173 |
| Efficiency ratio | 59.4074% | 5,060 |
| Assets per employee ($millions) | 4.6704% | 2,717 |
| Cash dividends to net income (ytd only)* | 79.9624% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 2,085 |
| Loan loss allowance to noncurrent loans | 105.7441% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 1.0135% | 2,491 |
| Noncurrent loans to loans | 1.4656% | 1,807 |
| Net loans and leases to total assets | 66.7707% | 2,828 |
| Net loans and leases to deposits | 77.6906% | 3,070 |
| Net loans and leases to core deposits | 104.1115% | 1,180 |
| Total domestic deposits to total assets | 85.9443% | 2,714 |
| Equity capital to assets | 9.0220% | 5,213 |
| Core capital (leverage) ratio | 9.1247% | 4,782 |
| Tier 1 risk-based capital ratio | 12.7256% | 4,664 |
| Total risk-based capital ratio | 13.9782% | 4,584 |
| Memoranda: | ||
| Average total assets | $150,879,000 | 3,620 |
| Average earning assets | $140,700,670 | 3,588 |
| Average equity | $13,835,670 | 4,075 |
| Average total loans | $101,064,330 | 3,419 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,031 |
| Cost of funding earning assets | 0.5224% | 2,088 |
| Net interest margin | 3.5303% | 3,302 |
| Noninterest income to average assets | 0.3859% | 4,116 |
| Noninterest expense to average assets | 2.3369% | 4,780 |
| Loan and lease loss provision to assets | 0.1018% | 1,999 |
| Net operating income to assets | 1.2435% | 1,425 |
| Return on assets (ROA) | 1.2221% | 1,575 |
| Pretax return on assets | 1.2221% | 2,578 |
| Return on Equity (ROE) | 13.2164% | 1,035 |
| Retained earnings to average equity (ytd only) | -9.2457% | 6,115 |
| Net charge-offs to loans | 0.1208% | 1,542 |
| Credit loss provision to net charge-offs | 126.6667% | 1,395 |
| Earnings coverage of net charge-offs (x) | 16.7333% | 1,556 |
| Efficiency ratio | 63.4643% | 4,560 |
| Assets per employee ($millions) | 4.6420% | 2,843 |
| Cash dividends to net income (ytd only)* | 169.9561% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 2,093 |
| Loan loss allowance to noncurrent loans | 105.3928% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.0138% | 2,595 |
| Noncurrent loans to loans | 1.5070% | 1,878 |
| Net loans and leases to total assets | 64.0300% | 3,083 |
| Net loans and leases to deposits | 74.4461% | 3,245 |
| Net loans and leases to core deposits | 85.3581% | 2,609 |
| Total domestic deposits to total assets | 86.0085% | 2,934 |
| Equity capital to assets | 8.9493% | 5,348 |
| Core capital (leverage) ratio | 8.9625% | 4,996 |
| Tier 1 risk-based capital ratio | 13.0945% | 4,555 |
| Total risk-based capital ratio | 14.3477% | 4,474 |
| Memoranda: | ||
| Average total assets | $149,257,000 | 3,667 |
| Average earning assets | $139,365,500 | 3,636 |
| Average equity | $13,801,000 | 4,104 |
| Average total loans | $99,332,000 | 3,466 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 2,823 |
| Cost of funding earning assets | 0.5469% | 2,229 |
| Net interest margin | 3.6915% | 3,038 |
| Noninterest income to average assets | 0.4180% | 4,051 |
| Noninterest expense to average assets | 2.2753% | 5,171 |
| Loan and lease loss provision to assets | 0.0924% | 2,621 |
| Net operating income to assets | 1.5083% | 860 |
| Return on assets (ROA) | 1.5041% | 906 |
| Pretax return on assets | 1.5055% | 1,519 |
| Return on Equity (ROE) | 16.4751% | 554 |
| Retained earnings to average equity (ytd only) | 10.7135% | 414 |
| Net charge-offs to loans | 0.2514% | 1,704 |
| Credit loss provision to net charge-offs | 55.0847% | 3,377 |
| Earnings coverage of net charge-offs (x) | 9.5508% | 2,732 |
| Efficiency ratio | 58.6801% | 5,383 |
| Assets per employee ($millions) | 4.8443% | 2,539 |
| Cash dividends to net income (ytd only)* | 34.9716% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 2,128 |
| Loan loss allowance to noncurrent loans | 97.0407% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 2,493 |
| Noncurrent loans to loans | 1.6385% | 1,789 |
| Net loans and leases to total assets | 67.0359% | 2,723 |
| Net loans and leases to deposits | 80.7269% | 2,633 |
| Net loans and leases to core deposits | 100.3761% | 1,369 |
| Total domestic deposits to total assets | 83.0404% | 4,063 |
| Equity capital to assets | 9.5598% | 4,643 |
| Core capital (leverage) ratio | 9.5770% | 4,138 |
| Tier 1 risk-based capital ratio | 13.1422% | 4,629 |
| Total risk-based capital ratio | 14.3875% | 4,555 |
| Memoranda: | ||
| Average total assets | $140,684,400 | 3,788 |
| Average earning assets | $131,842,200 | 3,727 |
| Average equity | $12,843,600 | 4,217 |
| Average total loans | $93,856,400 | 3,552 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,823 |
| Cost of funding earning assets | 0.5424% | 2,352 |
| Net interest margin | 3.7033% | 3,011 |
| Noninterest income to average assets | 0.4291% | 4,029 |
| Noninterest expense to average assets | 2.1453% | 5,475 |
| Loan and lease loss provision to assets | 0.0956% | 2,456 |
| Net operating income to assets | 1.6637% | 659 |
| Return on assets (ROA) | 1.6580% | 695 |
| Pretax return on assets | 1.6599% | 1,164 |
| Return on Equity (ROE) | 18.3867% | 407 |
| Retained earnings to average equity (ytd only) | 12.2931% | 392 |
| Net charge-offs to loans | 0.3413% | 1,175 |
| Credit loss provision to net charge-offs | 42.1941% | 3,254 |
| Earnings coverage of net charge-offs (x) | 7.7764% | 2,898 |
| Efficiency ratio | 54.9168% | 5,748 |
| Assets per employee ($millions) | 4.9994% | 2,240 |
| Cash dividends to net income (ytd only)* | 33.1413% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 2,203 |
| Loan loss allowance to noncurrent loans | 120.3429% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 3,037 |
| Noncurrent loans to loans | 1.3534% | 2,381 |
| Net loans and leases to total assets | 66.6155% | 2,753 |
| Net loans and leases to deposits | 83.0012% | 2,287 |
| Net loans and leases to core deposits | 99.8950% | 1,374 |
| Total domestic deposits to total assets | 80.2585% | 5,029 |
| Equity capital to assets | 9.6925% | 4,556 |
| Core capital (leverage) ratio | 9.6133% | 4,216 |
| Tier 1 risk-based capital ratio | 13.5646% | 4,495 |
| Total risk-based capital ratio | 14.8190% | 4,437 |
| Memoranda: | ||
| Average total assets | $139,523,500 | 3,835 |
| Average earning assets | $131,015,750 | 3,769 |
| Average equity | $12,581,250 | 4,293 |
| Average total loans | $92,571,500 | 3,611 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,816 |
| Cost of funding earning assets | 0.5367% | 2,471 |
| Net interest margin | 3.7019% | 2,956 |
| Noninterest income to average assets | 0.4018% | 4,231 |
| Noninterest expense to average assets | 2.2028% | 5,404 |
| Loan and lease loss provision to assets | 0.1005% | 2,345 |
| Net operating income to assets | 1.5627% | 773 |
| Return on assets (ROA) | 1.5427% | 844 |
| Pretax return on assets | 1.5427% | 1,417 |
| Return on Equity (ROE) | 17.5477% | 501 |
| Retained earnings to average equity (ytd only) | 8.1617% | 1,267 |
| Net charge-offs to loans | 0.4748% | 848 |
| Credit loss provision to net charge-offs | 32.1101% | 3,028 |
| Earnings coverage of net charge-offs (x) | 5.3165% | 2,947 |
| Efficiency ratio | 56.9785% | 5,658 |
| Assets per employee ($millions) | 5.1706% | 2,003 |
| Cash dividends to net income (ytd only)* | 53.4884% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,315 |
| Loan loss allowance to noncurrent loans | 98.9032% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 2,786 |
| Noncurrent loans to loans | 1.6609% | 2,085 |
| Net loans and leases to total assets | 65.7505% | 2,794 |
| Net loans and leases to deposits | 77.5367% | 2,861 |
| Net loans and leases to core deposits | 89.1114% | 2,202 |
| Total domestic deposits to total assets | 84.7993% | 3,605 |
| Equity capital to assets | 9.2425% | 5,050 |
| Core capital (leverage) ratio | 8.9889% | 5,037 |
| Tier 1 risk-based capital ratio | 13.1526% | 4,820 |
| Total risk-based capital ratio | 14.4069% | 4,746 |
| Memoranda: | ||
| Average total assets | $139,370,000 | 3,859 |
| Average earning assets | $130,420,670 | 3,801 |
| Average equity | $12,252,330 | 4,348 |
| Average total loans | $91,830,330 | 3,642 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 3,351 |
| Cost of funding earning assets | 0.5440% | 2,473 |
| Net interest margin | 3.5409% | 3,516 |
| Noninterest income to average assets | 0.3734% | 4,399 |
| Noninterest expense to average assets | 2.1486% | 5,580 |
| Loan and lease loss provision to assets | 0.1580% | 1,541 |
| Net operating income to assets | 1.3386% | 1,128 |
| Return on assets (ROA) | 1.3386% | 1,171 |
| Pretax return on assets | 1.3386% | 1,966 |
| Return on Equity (ROE) | 15.6284% | 688 |
| Retained earnings to average equity (ytd only) | -3.6556% | 6,027 |
| Net charge-offs to loans | 0.2635% | 1,286 |
| Credit loss provision to net charge-offs | 91.6667% | 1,784 |
| Earnings coverage of net charge-offs (x) | 8.6833% | 2,000 |
| Efficiency ratio | 58.9441% | 5,544 |
| Assets per employee ($millions) | 4.4692% | 3,023 |
| Cash dividends to net income (ytd only)* | 123.3906% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 1,750 |
| Loan loss allowance to noncurrent loans | 83.9679% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4649% | 2,421 |
| Noncurrent loans to loans | 2.2639% | 1,592 |
| Net loans and leases to total assets | 60.4769% | 3,479 |
| Net loans and leases to deposits | 70.4668% | 3,541 |
| Net loans and leases to core deposits | 80.1882% | 2,947 |
| Total domestic deposits to total assets | 85.8232% | 3,447 |
| Equity capital to assets | 8.3977% | 5,747 |
| Core capital (leverage) ratio | 8.6792% | 5,410 |
| Tier 1 risk-based capital ratio | 13.0055% | 5,000 |
| Total risk-based capital ratio | 14.2619% | 4,925 |
| Memoranda: | ||
| Average total assets | $139,252,500 | 3,889 |
| Average earning assets | $128,667,000 | 3,874 |
| Average equity | $11,927,000 | 4,429 |
| Average total loans | $91,083,500 | 3,681 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 2,581 |
| Cost of funding earning assets | 0.5683% | 2,939 |
| Net interest margin | 3.8335% | 2,525 |
| Noninterest income to average assets | 0.4773% | 3,911 |
| Noninterest expense to average assets | 2.6124% | 4,413 |
| Loan and lease loss provision to assets | 0.2055% | 1,804 |
| Net operating income to assets | 1.2263% | 1,462 |
| Return on assets (ROA) | 1.2583% | 1,422 |
| Pretax return on assets | 1.2598% | 2,316 |
| Return on Equity (ROE) | 14.1063% | 927 |
| Retained earnings to average equity (ytd only) | 7.3561% | 1,292 |
| Net charge-offs to loans | 0.0712% | 4,212 |
| Credit loss provision to net charge-offs | 428.5714% | 534 |
| Earnings coverage of net charge-offs (x) | 29.8889% | 1,194 |
| Efficiency ratio | 64.5720% | 4,803 |
| Assets per employee ($millions) | 4.3706% | 3,135 |
| Cash dividends to net income (ytd only)* | 47.8524% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 2,097 |
| Loan loss allowance to noncurrent loans | 139.6179% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 3,654 |
| Noncurrent loans to loans | 1.2809% | 2,992 |
| Net loans and leases to total assets | 68.1371% | 2,335 |
| Net loans and leases to deposits | 80.3347% | 2,414 |
| Net loans and leases to core deposits | 91.0516% | 1,898 |
| Total domestic deposits to total assets | 84.8166% | 3,842 |
| Equity capital to assets | 8.7416% | 5,322 |
| Core capital (leverage) ratio | 9.1205% | 4,826 |
| Tier 1 risk-based capital ratio | 12.6413% | 5,207 |
| Total risk-based capital ratio | 13.8981% | 5,154 |
| Memoranda: | ||
| Average total assets | $131,371,400 | 4,044 |
| Average earning assets | $122,291,200 | 4,007 |
| Average equity | $11,718,200 | 4,506 |
| Average total loans | $88,457,000 | 3,724 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4142% | 2,546 |
| Cost of funding earning assets | 0.5617% | 3,152 |
| Net interest margin | 3.8526% | 2,453 |
| Noninterest income to average assets | 0.5033% | 3,783 |
| Noninterest expense to average assets | 2.7599% | 3,796 |
| Loan and lease loss provision to assets | 0.2762% | 1,260 |
| Net operating income to assets | 1.0598% | 2,146 |
| Return on assets (ROA) | 1.1027% | 2,072 |
| Pretax return on assets | 1.1027% | 3,100 |
| Return on Equity (ROE) | 12.2985% | 1,393 |
| Retained earnings to average equity (ytd only) | 5.1681% | 2,961 |
| Net charge-offs to loans | 0.0766% | 3,849 |
| Credit loss provision to net charge-offs | 540.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 26.1180% | 1,360 |
| Efficiency ratio | 67.3826% | 4,213 |
| Assets per employee ($millions) | 4.2659% | 3,294 |
| Cash dividends to net income (ytd only)* | 57.9775% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 2,148 |
| Loan loss allowance to noncurrent loans | 168.1231% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 4,187 |
| Noncurrent loans to loans | 1.0990% | 3,594 |
| Net loans and leases to total assets | 68.0084% | 2,291 |
| Net loans and leases to deposits | 80.4481% | 2,348 |
| Net loans and leases to core deposits | 90.0956% | 1,956 |
| Total domestic deposits to total assets | 84.5369% | 3,955 |
| Equity capital to assets | 8.6356% | 5,583 |
| Core capital (leverage) ratio | 8.5824% | 5,684 |
| Tier 1 risk-based capital ratio | 12.5770% | 5,409 |
| Total risk-based capital ratio | 13.8397% | 5,344 |
| Memoranda: | ||
| Average total assets | $130,341,750 | 4,105 |
| Average earning assets | $121,543,500 | 4,058 |
| Average equity | $11,686,750 | 4,556 |
| Average total loans | $87,071,250 | 3,787 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 2,457 |
| Cost of funding earning assets | 0.5530% | 3,380 |
| Net interest margin | 3.8774% | 2,283 |
| Noninterest income to average assets | 0.4626% | 4,075 |
| Noninterest expense to average assets | 2.3545% | 5,192 |
| Loan and lease loss provision to assets | 0.3238% | 1,077 |
| Net operating income to assets | 1.3954% | 1,089 |
| Return on assets (ROA) | 1.4602% | 1,039 |
| Pretax return on assets | 1.4602% | 1,741 |
| Return on Equity (ROE) | 16.0840% | 654 |
| Retained earnings to average equity (ytd only) | 5.4689% | 2,763 |
| Net charge-offs to loans | 0.1403% | 2,980 |
| Credit loss provision to net charge-offs | 350.0000% | 744 |
| Earnings coverage of net charge-offs (x) | 18.5833% | 1,550 |
| Efficiency ratio | 57.7971% | 5,766 |
| Assets per employee ($millions) | 4.2029% | 3,348 |
| Cash dividends to net income (ytd only)* | 65.9979% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 2,282 |
| Loan loss allowance to noncurrent loans | 125.1156% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 3,669 |
| Noncurrent loans to loans | 1.4723% | 3,101 |
| Net loans and leases to total assets | 66.4185% | 2,518 |
| Net loans and leases to deposits | 79.4674% | 2,407 |
| Net loans and leases to core deposits | 85.0159% | 2,434 |
| Total domestic deposits to total assets | 83.5796% | 4,482 |
| Equity capital to assets | 8.8127% | 5,430 |
| Core capital (leverage) ratio | 9.1462% | 4,760 |
| Tier 1 risk-based capital ratio | 12.9567% | 5,172 |
| Total risk-based capital ratio | 14.2213% | 5,098 |
| Memoranda: | ||
| Average total assets | $129,707,670 | 4,149 |
| Average earning assets | $120,804,000 | 4,108 |
| Average equity | $11,775,670 | 4,575 |
| Average total loans | $85,551,670 | 3,835 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4383% | 2,389 |
| Cost of funding earning assets | 0.5560% | 3,509 |
| Net interest margin | 3.8823% | 2,172 |
| Noninterest income to average assets | 0.4234% | 4,292 |
| Noninterest expense to average assets | 2.2779% | 5,482 |
| Loan and lease loss provision to assets | 0.3400% | 980 |
| Net operating income to assets | 1.4094% | 1,008 |
| Return on assets (ROA) | 1.4094% | 1,094 |
| Pretax return on assets | 1.4094% | 1,823 |
| Return on Equity (ROE) | 15.2988% | 698 |
| Retained earnings to average equity (ytd only) | -5.6700% | 6,405 |
| Net charge-offs to loans | -0.0380% | 5,995 |
| Credit loss provision to net charge-offs | -1,375.0000% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5618% | 6,011 |
| Assets per employee ($millions) | 4.1746% | 3,586 |
| Cash dividends to net income (ytd only)* | 137.0614% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 2,169 |
| Loan loss allowance to noncurrent loans | 131.0288% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9852% | 3,959 |
| Noncurrent loans to loans | 1.4893% | 3,320 |
| Net loans and leases to total assets | 61.8086% | 3,102 |
| Net loans and leases to deposits | 72.1948% | 3,160 |
| Net loans and leases to core deposits | 75.2222% | 3,432 |
| Total domestic deposits to total assets | 85.6136% | 3,728 |
| Equity capital to assets | 9.1157% | 5,352 |
| Core capital (leverage) ratio | 8.6459% | 5,396 |
| Tier 1 risk-based capital ratio | 14.0775% | 4,452 |
| Total risk-based capital ratio | 15.3388% | 4,398 |
| Memoranda: | ||
| Average total assets | $129,417,000 | 4,195 |
| Average earning assets | $120,135,500 | 4,152 |
| Average equity | $11,922,500 | 4,591 |
| Average total loans | $84,247,500 | 3,893 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 1,922 |
| Cost of funding earning assets | 0.7246% | 3,292 |
| Net interest margin | 4.1519% | 1,811 |
| Noninterest income to average assets | 0.4869% | 3,985 |
| Noninterest expense to average assets | 2.2830% | 5,737 |
| Loan and lease loss provision to assets | 0.4211% | 1,513 |
| Net operating income to assets | 1.5105% | 896 |
| Return on assets (ROA) | 1.5321% | 950 |
| Pretax return on assets | 1.5321% | 1,585 |
| Return on Equity (ROE) | 16.7063% | 568 |
| Retained earnings to average equity (ytd only) | 8.4056% | 1,001 |
| Net charge-offs to loans | 0.3193% | 3,045 |
| Credit loss provision to net charge-offs | 201.1494% | 1,288 |
| Earnings coverage of net charge-offs (x) | 9.2261% | 2,287 |
| Efficiency ratio | 54.1683% | 6,248 |
| Assets per employee ($millions) | 4.3140% | 3,319 |
| Cash dividends to net income (ytd only)* | 49.6859% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 2,948 |
| Loan loss allowance to noncurrent loans | 117.3567% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 3,946 |
| Noncurrent loans to loans | 1.4451% | 3,433 |
| Net loans and leases to total assets | 66.0176% | 2,522 |
| Net loans and leases to deposits | 79.8415% | 2,304 |
| Net loans and leases to core deposits | 83.9895% | 2,554 |
| Total domestic deposits to total assets | 82.6858% | 4,853 |
| Equity capital to assets | 9.3092% | 5,143 |
| Core capital (leverage) ratio | 9.2074% | 4,570 |
| Tier 1 risk-based capital ratio | 12.6713% | 5,348 |
| Total risk-based capital ratio | 13.9262% | 5,286 |
| Memoranda: | ||
| Average total assets | $124,662,000 | 4,261 |
| Average earning assets | $111,925,000 | 4,293 |
| Average equity | $11,432,800 | 4,680 |
| Average total loans | $81,732,600 | 3,982 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 1,911 |
| Cost of funding earning assets | 0.7631% | 3,245 |
| Net interest margin | 4.1645% | 1,850 |
| Noninterest income to average assets | 0.5000% | 3,930 |
| Noninterest expense to average assets | 2.2471% | 5,827 |
| Loan and lease loss provision to assets | 0.3401% | 1,926 |
| Net operating income to assets | 1.6252% | 800 |
| Return on assets (ROA) | 1.6252% | 881 |
| Pretax return on assets | 1.6252% | 1,490 |
| Return on Equity (ROE) | 17.7908% | 525 |
| Retained earnings to average equity (ytd only) | 8.0502% | 1,602 |
| Net charge-offs to loans | 0.4177% | 2,422 |
| Credit loss provision to net charge-offs | 125.0000% | 2,306 |
| Earnings coverage of net charge-offs (x) | 7.2223% | 2,635 |
| Efficiency ratio | 53.3453% | 6,315 |
| Assets per employee ($millions) | 4.3666% | 3,135 |
| Cash dividends to net income (ytd only)* | 54.7508% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,731 |
| Loan loss allowance to noncurrent loans | 106.3492% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1213% | 4,051 |
| Noncurrent loans to loans | 1.4577% | 3,611 |
| Net loans and leases to total assets | 66.1206% | 2,628 |
| Net loans and leases to deposits | 78.3545% | 2,612 |
| Net loans and leases to core deposits | 82.8530% | 2,852 |
| Total domestic deposits to total assets | 84.3865% | 4,043 |
| Equity capital to assets | 9.7664% | 4,826 |
| Core capital (leverage) ratio | 9.0212% | 5,032 |
| Tier 1 risk-based capital ratio | 13.0484% | 5,207 |
| Total risk-based capital ratio | 14.3018% | 5,163 |
| Memoranda: | ||
| Average total assets | $123,472,500 | 4,322 |
| Average earning assets | $110,070,500 | 4,385 |
| Average equity | $11,279,000 | 4,756 |
| Average total loans | $80,437,250 | 4,066 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 1,986 |
| Cost of funding earning assets | 0.8010% | 3,184 |
| Net interest margin | 4.1301% | 1,972 |
| Noninterest income to average assets | 0.4634% | 4,179 |
| Noninterest expense to average assets | 2.3152% | 5,689 |
| Loan and lease loss provision to assets | 0.2825% | 2,314 |
| Net operating income to assets | 1.4870% | 1,014 |
| Return on assets (ROA) | 1.4870% | 1,137 |
| Pretax return on assets | 1.4870% | 1,887 |
| Return on Equity (ROE) | 16.6571% | 685 |
| Retained earnings to average equity (ytd only) | 3.5629% | 4,224 |
| Net charge-offs to loans | 0.4031% | 2,412 |
| Credit loss provision to net charge-offs | 108.6957% | 2,506 |
| Earnings coverage of net charge-offs (x) | 6.8075% | 2,575 |
| Efficiency ratio | 56.6798% | 6,043 |
| Assets per employee ($millions) | 4.4521% | 2,997 |
| Cash dividends to net income (ytd only)* | 78.6102% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,916 |
| Loan loss allowance to noncurrent loans | 151.6729% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 4,810 |
| Noncurrent loans to loans | 1.0031% | 4,501 |
| Net loans and leases to total assets | 63.5539% | 3,133 |
| Net loans and leases to deposits | 74.9052% | 3,141 |
| Net loans and leases to core deposits | 78.8379% | 3,390 |
| Total domestic deposits to total assets | 84.8457% | 3,933 |
| Equity capital to assets | 9.0857% | 5,597 |
| Core capital (leverage) ratio | 8.5291% | 5,614 |
| Tier 1 risk-based capital ratio | 12.8602% | 5,288 |
| Total risk-based capital ratio | 14.1130% | 5,261 |
| Memoranda: | ||
| Average total assets | $123,874,670 | 4,332 |
| Average earning assets | $108,618,330 | 4,449 |
| Average equity | $11,058,330 | 4,796 |
| Average total loans | $79,877,670 | 4,107 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 1,644 |
| Cost of funding earning assets | 0.8515% | 3,054 |
| Net interest margin | 4.2269% | 1,684 |
| Noninterest income to average assets | 0.4600% | 4,227 |
| Noninterest expense to average assets | 2.3453% | 5,646 |
| Loan and lease loss provision to assets | 0.2753% | 2,261 |
| Net operating income to assets | 1.4415% | 1,139 |
| Return on assets (ROA) | 1.4415% | 1,273 |
| Pretax return on assets | 1.4415% | 2,050 |
| Return on Equity (ROE) | 16.2937% | 765 |
| Retained earnings to average equity (ytd only) | -10.2156% | 6,846 |
| Net charge-offs to loans | 0.3518% | 2,246 |
| Credit loss provision to net charge-offs | 121.4286% | 1,965 |
| Earnings coverage of net charge-offs (x) | 7.5714% | 2,063 |
| Efficiency ratio | 57.7352% | 5,954 |
| Assets per employee ($millions) | 5.1442% | 2,065 |
| Cash dividends to net income (ytd only)* | 162.6966% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5504% | 3,939 |
| Loan loss allowance to noncurrent loans | 112.2823% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 4,694 |
| Noncurrent loans to loans | 1.3808% | 4,048 |
| Net loans and leases to total assets | 60.4868% | 3,561 |
| Net loans and leases to deposits | 70.8467% | 3,608 |
| Net loans and leases to core deposits | 75.3244% | 3,706 |
| Total domestic deposits to total assets | 85.3769% | 3,848 |
| Equity capital to assets | 8.4157% | 6,159 |
| Core capital (leverage) ratio | 8.2496% | 5,954 |
| Tier 1 risk-based capital ratio | 13.2383% | 5,044 |
| Total risk-based capital ratio | 14.4932% | 5,016 |
| Memoranda: | ||
| Average total assets | $123,483,000 | 4,365 |
| Average earning assets | $105,231,500 | 4,563 |
| Average equity | $10,924,500 | 4,835 |
| Average total loans | $79,592,000 | 4,134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 1,249 |
| Cost of funding earning assets | 0.9922% | 3,435 |
| Net interest margin | 4.4755% | 1,195 |
| Noninterest income to average assets | 0.6469% | 2,910 |
| Noninterest expense to average assets | 2.6445% | 4,943 |
| Loan and lease loss provision to assets | 0.5705% | 1,823 |
| Net operating income to assets | 1.4741% | 877 |
| Return on assets (ROA) | 1.4768% | 949 |
| Pretax return on assets | 1.4897% | 1,507 |
| Return on Equity (ROE) | 15.2555% | 704 |
| Retained earnings to average equity (ytd only) | 9.9517% | 580 |
| Net charge-offs to loans | 0.4546% | 3,166 |
| Credit loss provision to net charge-offs | 174.1573% | 1,514 |
| Earnings coverage of net charge-offs (x) | 6.2809% | 2,553 |
| Efficiency ratio | 56.2427% | 6,284 |
| Assets per employee ($millions) | 4.2272% | 3,417 |
| Cash dividends to net income (ytd only)* | 34.7664% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,975 |
| Loan loss allowance to noncurrent loans | 130.1075% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8449% | 4,933 |
| Noncurrent loans to loans | 1.1600% | 4,431 |
| Net loans and leases to total assets | 66.7112% | 2,638 |
| Net loans and leases to deposits | 79.4494% | 2,622 |
| Net loans and leases to core deposits | 84.8448% | 2,765 |
| Total domestic deposits to total assets | 83.9668% | 4,326 |
| Equity capital to assets | 9.3156% | 5,129 |
| Core capital (leverage) ratio | 9.1352% | 4,568 |
| Tier 1 risk-based capital ratio | 13.5356% | 4,673 |
| Total risk-based capital ratio | 14.7896% | 4,638 |
| Memoranda: | ||
| Average total assets | $108,679,600 | 4,674 |
| Average earning assets | $98,469,400 | 4,671 |
| Average equity | $10,520,800 | 4,900 |
| Average total loans | $78,310,000 | 4,204 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 1,214 |
| Cost of funding earning assets | 1.0130% | 3,589 |
| Net interest margin | 4.4998% | 1,154 |
| Noninterest income to average assets | 0.6562% | 2,845 |
| Noninterest expense to average assets | 2.5497% | 5,282 |
| Loan and lease loss provision to assets | 0.3764% | 2,597 |
| Net operating income to assets | 1.8483% | 471 |
| Return on assets (ROA) | 1.8520% | 505 |
| Pretax return on assets | 1.8696% | 832 |
| Return on Equity (ROE) | 18.9326% | 393 |
| Retained earnings to average equity (ytd only) | 13.5581% | 327 |
| Net charge-offs to loans | 0.2792% | 3,684 |
| Credit loss provision to net charge-offs | 184.0491% | 1,601 |
| Earnings coverage of net charge-offs (x) | 10.9631% | 1,858 |
| Efficiency ratio | 53.2076% | 6,574 |
| Assets per employee ($millions) | 4.1557% | 3,529 |
| Cash dividends to net income (ytd only)* | 28.3874% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,813 |
| Loan loss allowance to noncurrent loans | 116.3441% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9172% | 4,913 |
| Noncurrent loans to loans | 1.1529% | 4,613 |
| Net loans and leases to total assets | 73.6578% | 1,380 |
| Net loans and leases to deposits | 90.2549% | 1,184 |
| Net loans and leases to core deposits | 97.8099% | 1,435 |
| Total domestic deposits to total assets | 81.6108% | 5,217 |
| Equity capital to assets | 10.2446% | 4,025 |
| Core capital (leverage) ratio | 9.7886% | 3,717 |
| Tier 1 risk-based capital ratio | 13.4169% | 4,795 |
| Total risk-based capital ratio | 14.6807% | 4,757 |
| Memoranda: | ||
| Average total assets | $106,259,250 | 4,755 |
| Average earning assets | $97,660,500 | 4,726 |
| Average equity | $10,394,500 | 4,937 |
| Average total loans | $77,845,000 | 4,251 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 1,317 |
| Cost of funding earning assets | 1.0393% | 3,675 |
| Net interest margin | 4.4509% | 1,241 |
| Noninterest income to average assets | 0.6947% | 2,580 |
| Noninterest expense to average assets | 2.6537% | 4,994 |
| Loan and lease loss provision to assets | 0.4259% | 2,303 |
| Net operating income to assets | 1.6903% | 613 |
| Return on assets (ROA) | 1.6903% | 660 |
| Pretax return on assets | 1.7168% | 1,020 |
| Return on Equity (ROE) | 17.5620% | 505 |
| Retained earnings to average equity (ytd only) | 9.3218% | 1,007 |
| Net charge-offs to loans | 0.3017% | 3,360 |
| Credit loss provision to net charge-offs | 193.9655% | 1,556 |
| Earnings coverage of net charge-offs (x) | 9.7586% | 1,880 |
| Efficiency ratio | 55.3275% | 6,479 |
| Assets per employee ($millions) | 3.8604% | 4,069 |
| Cash dividends to net income (ytd only)* | 46.9205% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 4,763 |
| Loan loss allowance to noncurrent loans | 105.6056% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 4,824 |
| Noncurrent loans to loans | 1.2898% | 4,508 |
| Net loans and leases to total assets | 73.2978% | 1,537 |
| Net loans and leases to deposits | 89.2022% | 1,353 |
| Net loans and leases to core deposits | 97.2072% | 1,559 |
| Total domestic deposits to total assets | 82.1704% | 5,108 |
| Equity capital to assets | 10.1045% | 4,011 |
| Core capital (leverage) ratio | 9.4415% | 4,041 |
| Tier 1 risk-based capital ratio | 13.2764% | 4,707 |
| Total risk-based capital ratio | 14.5284% | 4,680 |
| Memoranda: | ||
| Average total assets | $105,663,330 | 4,804 |
| Average earning assets | $97,374,000 | 4,777 |
| Average equity | $10,169,670 | 5,003 |
| Average total loans | $76,904,330 | 4,317 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4634% | 1,395 |
| Cost of funding earning assets | 1.0705% | 3,716 |
| Net interest margin | 4.3929% | 1,299 |
| Noninterest income to average assets | 0.7746% | 2,136 |
| Noninterest expense to average assets | 2.6170% | 5,164 |
| Loan and lease loss provision to assets | 0.2820% | 2,889 |
| Net operating income to assets | 1.8913% | 409 |
| Return on assets (ROA) | 1.8913% | 433 |
| Pretax return on assets | 1.9026% | 676 |
| Return on Equity (ROE) | 20.1432% | 323 |
| Retained earnings to average equity (ytd only) | 3.3639% | 4,169 |
| Net charge-offs to loans | 0.1618% | 3,511 |
| Credit loss provision to net charge-offs | 241.9355% | 1,287 |
| Earnings coverage of net charge-offs (x) | 18.7419% | 1,169 |
| Efficiency ratio | 54.5027% | 6,645 |
| Assets per employee ($millions) | 3.9750% | 3,886 |
| Cash dividends to net income (ytd only)* | 83.3002% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 5,256 |
| Loan loss allowance to noncurrent loans | 93.3082% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 4,829 |
| Noncurrent loans to loans | 1.3683% | 4,419 |
| Net loans and leases to total assets | 71.3279% | 1,852 |
| Net loans and leases to deposits | 84.7696% | 1,914 |
| Net loans and leases to core deposits | 91.2289% | 2,205 |
| Total domestic deposits to total assets | 84.1433% | 4,435 |
| Equity capital to assets | 9.3390% | 4,666 |
| Core capital (leverage) ratio | 9.4076% | 3,948 |
| Tier 1 risk-based capital ratio | 12.7819% | 4,989 |
| Total risk-based capital ratio | 14.0324% | 4,964 |
| Memoranda: | ||
| Average total assets | $106,379,500 | 4,826 |
| Average earning assets | $97,521,500 | 4,805 |
| Average equity | $9,988,500 | 5,054 |
| Average total loans | $76,629,500 | 4,368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8186% | 1,231 |
| Cost of funding earning assets | 1.3364% | 3,657 |
| Net interest margin | 4.4822% | 1,271 |
| Noninterest income to average assets | 0.4622% | 4,427 |
| Noninterest expense to average assets | 2.6016% | 5,405 |
| Loan and lease loss provision to assets | 0.4582% | 3,376 |
| Net operating income to assets | 1.5169% | 733 |
| Return on assets (ROA) | 1.5435% | 760 |
| Pretax return on assets | 1.5716% | 1,205 |
| Return on Equity (ROE) | 16.1450% | 567 |
| Retained earnings to average equity (ytd only) | 11.9300% | 278 |
| Net charge-offs to loans | 0.3524% | 4,257 |
| Credit loss provision to net charge-offs | 177.4319% | 1,873 |
| Earnings coverage of net charge-offs (x) | 7.7549% | 2,071 |
| Efficiency ratio | 56.5037% | 6,528 |
| Assets per employee ($millions) | 3.6357% | 4,615 |
| Cash dividends to net income (ytd only)* | 26.1068% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 5,266 |
| Loan loss allowance to noncurrent loans | 59.6093% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5621% | 3,960 |
| Noncurrent loans to loans | 2.0960% | 3,441 |
| Net loans and leases to total assets | 70.9167% | 2,328 |
| Net loans and leases to deposits | 84.5539% | 2,370 |
| Net loans and leases to core deposits | 90.7393% | 2,657 |
| Total domestic deposits to total assets | 83.8716% | 4,411 |
| Equity capital to assets | 9.4409% | 4,483 |
| Core capital (leverage) ratio | 9.7761% | 3,352 |
| Tier 1 risk-based capital ratio | 13.0925% | 4,529 |
| Total risk-based capital ratio | 14.3431% | 4,490 |
| Memoranda: | ||
| Average total assets | $99,516,600 | 5,000 |
| Average earning assets | $91,964,200 | 4,944 |
| Average equity | $9,513,800 | 5,260 |
| Average total loans | $72,927,600 | 4,570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9023% | 1,129 |
| Cost of funding earning assets | 1.3828% | 3,688 |
| Net interest margin | 4.5195% | 1,213 |
| Noninterest income to average assets | 0.4597% | 4,484 |
| Noninterest expense to average assets | 2.4793% | 5,786 |
| Loan and lease loss provision to assets | 0.5386% | 2,784 |
| Net operating income to assets | 1.5797% | 771 |
| Return on assets (ROA) | 1.6157% | 792 |
| Pretax return on assets | 1.6524% | 1,211 |
| Return on Equity (ROE) | 16.8439% | 606 |
| Retained earnings to average equity (ytd only) | 13.1292% | 334 |
| Net charge-offs to loans | 0.4725% | 3,386 |
| Credit loss provision to net charge-offs | 154.6875% | 2,486 |
| Earnings coverage of net charge-offs (x) | 6.1876% | 2,576 |
| Efficiency ratio | 53.5075% | 6,828 |
| Assets per employee ($millions) | 3.4046% | 5,197 |
| Cash dividends to net income (ytd only)* | 22.0536% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 5,568 |
| Loan loss allowance to noncurrent loans | 106.1005% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 5,291 |
| Noncurrent loans to loans | 1.1164% | 5,011 |
| Net loans and leases to total assets | 74.9448% | 1,594 |
| Net loans and leases to deposits | 93.2092% | 1,300 |
| Net loans and leases to core deposits | 99.8421% | 1,863 |
| Total domestic deposits to total assets | 80.4049% | 5,579 |
| Equity capital to assets | 10.0168% | 4,140 |
| Core capital (leverage) ratio | 9.7887% | 3,504 |
| Tier 1 risk-based capital ratio | 13.3505% | 4,312 |
| Total risk-based capital ratio | 14.6098% | 4,267 |
| Memoranda: | ||
| Average total assets | $98,037,000 | 5,110 |
| Average earning assets | $90,538,750 | 5,049 |
| Average equity | $9,403,750 | 5,374 |
| Average total loans | $72,230,250 | 4,673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8616% | 1,276 |
| Cost of funding earning assets | 1.4087% | 3,820 |
| Net interest margin | 4.4530% | 1,309 |
| Noninterest income to average assets | 0.5214% | 3,944 |
| Noninterest expense to average assets | 2.4641% | 5,867 |
| Loan and lease loss provision to assets | 0.5746% | 2,477 |
| Net operating income to assets | 1.5746% | 777 |
| Return on assets (ROA) | 1.5725% | 832 |
| Pretax return on assets | 1.5725% | 1,379 |
| Return on Equity (ROE) | 16.6420% | 614 |
| Retained earnings to average equity (ytd only) | 10.9720% | 665 |
| Net charge-offs to loans | 0.5242% | 2,961 |
| Credit loss provision to net charge-offs | 150.2674% | 2,611 |
| Earnings coverage of net charge-offs (x) | 5.6203% | 2,630 |
| Efficiency ratio | 53.4131% | 6,945 |
| Assets per employee ($millions) | 3.6723% | 4,543 |
| Cash dividends to net income (ytd only)* | 34.0702% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 5,750 |
| Loan loss allowance to noncurrent loans | 102.3114% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 4,708 |
| Noncurrent loans to loans | 1.1135% | 5,097 |
| Net loans and leases to total assets | 73.6042% | 2,003 |
| Net loans and leases to deposits | 88.8202% | 2,031 |
| Net loans and leases to core deposits | 96.6712% | 2,364 |
| Total domestic deposits to total assets | 82.8687% | 4,626 |
| Equity capital to assets | 9.6387% | 4,489 |
| Core capital (leverage) ratio | 9.5501% | 3,741 |
| Tier 1 risk-based capital ratio | 12.9618% | 4,480 |
| Total risk-based capital ratio | 14.1750% | 4,468 |
| Memoranda: | ||
| Average total assets | $97,804,670 | 5,144 |
| Average earning assets | $89,872,670 | 5,098 |
| Average equity | $9,241,670 | 5,437 |
| Average total loans | $71,346,000 | 4,740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8181% | 1,409 |
| Cost of funding earning assets | 1.4477% | 3,893 |
| Net interest margin | 4.3703% | 1,475 |
| Noninterest income to average assets | 0.5065% | 3,998 |
| Noninterest expense to average assets | 2.4009% | 6,081 |
| Loan and lease loss provision to assets | 0.6630% | 1,912 |
| Net operating income to assets | 1.4208% | 1,036 |
| Return on assets (ROA) | 1.4166% | 1,109 |
| Pretax return on assets | 1.4166% | 1,725 |
| Return on Equity (ROE) | 15.1475% | 846 |
| Retained earnings to average equity (ytd only) | 3.6107% | 3,989 |
| Net charge-offs to loans | 0.3880% | 2,881 |
| Credit loss provision to net charge-offs | 236.7647% | 1,619 |
| Earnings coverage of net charge-offs (x) | 7.4412% | 2,090 |
| Efficiency ratio | 53.5354% | 7,017 |
| Assets per employee ($millions) | 3.8032% | 4,304 |
| Cash dividends to net income (ytd only)* | 76.1628% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 5,606 |
| Loan loss allowance to noncurrent loans | 123.1672% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 4,938 |
| Noncurrent loans to loans | 0.9578% | 5,424 |
| Net loans and leases to total assets | 71.1636% | 2,660 |
| Net loans and leases to deposits | 84.6858% | 2,821 |
| Net loans and leases to core deposits | 92.6846% | 3,014 |
| Total domestic deposits to total assets | 84.0325% | 4,134 |
| Equity capital to assets | 9.2474% | 4,920 |
| Core capital (leverage) ratio | 9.3646% | 3,956 |
| Tier 1 risk-based capital ratio | 12.8863% | 4,415 |
| Total risk-based capital ratio | 14.1319% | 4,394 |
| Memoranda: | ||
| Average total assets | $97,131,000 | 5,231 |
| Average earning assets | $88,414,500 | 5,219 |
| Average equity | $9,084,000 | 5,518 |
| Average total loans | $70,108,500 | 4,858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0172% | 1,800 |
| Cost of funding earning assets | 1.6714% | 4,663 |
| Net interest margin | 4.3458% | 1,587 |
| Noninterest income to average assets | 0.6179% | 3,506 |
| Noninterest expense to average assets | 2.7221% | 5,290 |
| Loan and lease loss provision to assets | 0.5767% | 3,498 |
| Net operating income to assets | 0.9580% | 1,989 |
| Return on assets (ROA) | 0.9829% | 1,952 |
| Pretax return on assets | 1.3032% | 1,683 |
| Return on Equity (ROE) | 9.5585% | 1,836 |
| Retained earnings to average equity (ytd only) | 2.0029% | 3,698 |
| Net charge-offs to loans | 0.7694% | 2,900 |
| Credit loss provision to net charge-offs | 105.4393% | 5,251 |
| Earnings coverage of net charge-offs (x) | 3.3766% | 3,370 |
| Efficiency ratio | 59.5793% | 6,544 |
| Assets per employee ($millions) | 3.8152% | 4,248 |
| Cash dividends to net income (ytd only)* | 79.0454% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 5,983 |
| Loan loss allowance to noncurrent loans | 109.3704% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3231% | 4,446 |
| Noncurrent loans to loans | 0.9897% | 5,338 |
| Net loans and leases to total assets | 71.5685% | 2,871 |
| Net loans and leases to deposits | 85.7111% | 2,967 |
| Net loans and leases to core deposits | 108.7563% | 3,029 |
| Total domestic deposits to total assets | 83.4997% | 4,286 |
| Equity capital to assets | 9.4611% | 4,476 |
| Core capital (leverage) ratio | 9.5622% | 3,650 |
| Tier 1 risk-based capital ratio | 12.8470% | 4,248 |
| Total risk-based capital ratio | 13.9619% | 4,291 |
| Memoranda: | ||
| Average total assets | $87,397,000 | 5,471 |
| Average earning assets | $79,455,400 | 5,474 |
| Average equity | $8,986,800 | 5,611 |
| Average total loans | $62,127,000 | 5,167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0197% | 1,955 |
| Cost of funding earning assets | 1.7138% | 4,829 |
| Net interest margin | 4.3059% | 1,715 |
| Noninterest income to average assets | 0.6307% | 3,487 |
| Noninterest expense to average assets | 2.8118% | 4,842 |
| Loan and lease loss provision to assets | 0.2732% | 4,784 |
| Net operating income to assets | 1.1292% | 1,639 |
| Return on assets (ROA) | 1.1475% | 1,663 |
| Pretax return on assets | 1.4800% | 1,474 |
| Return on Equity (ROE) | 10.9160% | 1,649 |
| Retained earnings to average equity (ytd only) | 10.1436% | 614 |
| Net charge-offs to loans | 0.5055% | 3,200 |
| Credit loss provision to net charge-offs | 76.4192% | 5,854 |
| Earnings coverage of net charge-offs (x) | 4.8384% | 2,996 |
| Efficiency ratio | 61.9113% | 6,129 |
| Assets per employee ($millions) | 3.6192% | 4,637 |
| Cash dividends to net income (ytd only)* | 7.0746% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 6,099 |
| Loan loss allowance to noncurrent loans | 63.3428% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.6589% | 3,880 |
| Noncurrent loans to loans | 1.6287% | 4,200 |
| Net loans and leases to total assets | 70.7162% | 3,333 |
| Net loans and leases to deposits | 83.5039% | 3,732 |
| Net loans and leases to core deposits | 102.4711% | 4,107 |
| Total domestic deposits to total assets | 84.6861% | 3,382 |
| Equity capital to assets | 10.4973% | 3,517 |
| Core capital (leverage) ratio | 10.4041% | 2,877 |
| Tier 1 risk-based capital ratio | 14.4107% | 3,326 |
| Total risk-based capital ratio | 15.4656% | 3,380 |
| Memoranda: | ||
| Average total assets | $85,401,250 | 5,573 |
| Average earning assets | $77,566,000 | 5,571 |
| Average equity | $8,977,500 | 5,667 |
| Average total loans | $60,406,500 | 5,267 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0182% | 2,112 |
| Cost of funding earning assets | 1.7909% | 4,804 |
| Net interest margin | 4.2273% | 1,890 |
| Noninterest income to average assets | 0.6188% | 3,543 |
| Noninterest expense to average assets | 2.8862% | 4,550 |
| Loan and lease loss provision to assets | 0.1075% | 6,081 |
| Net operating income to assets | 1.1896% | 1,504 |
| Return on assets (ROA) | 1.1994% | 1,562 |
| Pretax return on assets | 1.4551% | 1,575 |
| Return on Equity (ROE) | 11.4039% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.4039% | 509 |
| Net charge-offs to loans | 0.3560% | 3,403 |
| Credit loss provision to net charge-offs | 42.8571% | 5,862 |
| Earnings coverage of net charge-offs (x) | 6.1810% | 2,671 |
| Efficiency ratio | 65.0512% | 5,711 |
| Assets per employee ($millions) | 3.4667% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 5,610 |
| Loan loss allowance to noncurrent loans | 64.1748% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.7054% | 3,621 |
| Noncurrent loans to loans | 1.7124% | 3,942 |
| Net loans and leases to total assets | 68.6401% | 4,037 |
| Net loans and leases to deposits | 79.0562% | 4,694 |
| Net loans and leases to core deposits | 96.3431% | 4,865 |
| Total domestic deposits to total assets | 86.8244% | 2,346 |
| Equity capital to assets | 10.3798% | 3,536 |
| Core capital (leverage) ratio | 10.3742% | 2,927 |
| Tier 1 risk-based capital ratio | 15.0082% | 3,015 |
| Total risk-based capital ratio | 16.1191% | 3,013 |
| Memoranda: | ||
| Average total assets | $83,708,330 | 5,671 |
| Average earning assets | $75,604,330 | 5,688 |
| Average equity | $8,804,000 | 5,747 |
| Average total loans | $58,991,670 | 5,380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0697% | 2,079 |
| Cost of funding earning assets | 1.9436% | 4,409 |
| Net interest margin | 4.1261% | 2,189 |
| Noninterest income to average assets | 0.6081% | 3,491 |
| Noninterest expense to average assets | 2.8263% | 4,440 |
| Loan and lease loss provision to assets | 0.1119% | 5,534 |
| Net operating income to assets | 1.3669% | 1,215 |
| Return on assets (ROA) | 1.3912% | 1,246 |
| Pretax return on assets | 1.3912% | 1,992 |
| Return on Equity (ROE) | 13.1373% | 1,355 |
| Retained earnings to average equity (ytd only) | 13.1373% | 622 |
| Net charge-offs to loans | 0.5204% | 2,160 |
| Credit loss provision to net charge-offs | 30.2632% | 4,945 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,006 |
| Efficiency ratio | 65.6497% | 5,396 |
| Assets per employee ($millions) | 3.3442% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 4,943 |
| Loan loss allowance to noncurrent loans | 118.0212% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.3145% | 4,042 |
| Noncurrent loans to loans | 0.9984% | 4,999 |
| Net loans and leases to total assets | 67.0088% | 4,341 |
| Net loans and leases to deposits | 77.4876% | 5,007 |
| Net loans and leases to core deposits | 94.3560% | 5,124 |
| Total domestic deposits to total assets | 86.4767% | 2,458 |
| Equity capital to assets | 10.6681% | 3,315 |
| Core capital (leverage) ratio | 10.6749% | 2,762 |
| Tier 1 risk-based capital ratio | 15.3318% | 2,923 |
| Total risk-based capital ratio | 16.5071% | 2,897 |
| Memoranda: | ||
| Average total assets | $82,228,500 | 5,736 |
| Average earning assets | $73,678,000 | 5,785 |
| Average equity | $8,708,000 | 5,808 |
| Average total loans | $58,412,500 | 5,429 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6475% | 2,258 |
| Cost of funding earning assets | 2.2970% | 5,163 |
| Net interest margin | 4.3505% | 1,826 |
| Noninterest income to average assets | 0.7530% | 2,765 |
| Noninterest expense to average assets | 3.1146% | 3,641 |
| Loan and lease loss provision to assets | 0.1645% | 5,280 |
| Net operating income to assets | 1.0145% | 2,496 |
| Return on assets (ROA) | 1.0386% | 2,293 |
| Pretax return on assets | 1.5310% | 1,593 |
| Return on Equity (ROE) | 9.2506% | 2,548 |
| Retained earnings to average equity (ytd only) | 1.5242% | 4,310 |
| Net charge-offs to loans | 0.1213% | 5,031 |
| Credit loss provision to net charge-offs | 183.8235% | 2,708 |
| Earnings coverage of net charge-offs (x) | 18.5441% | 1,698 |
| Efficiency ratio | 65.2330% | 5,267 |
| Assets per employee ($millions) | 3.2341% | 5,384 |
| Cash dividends to net income (ytd only)* | 83.5234% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 4,539 |
| Loan loss allowance to noncurrent loans | 98.9026% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0488% | 4,194 |
| Noncurrent loans to loans | 1.2123% | 4,093 |
| Net loans and leases to total assets | 73.4840% | 3,232 |
| Net loans and leases to deposits | 85.1924% | 4,227 |
| Net loans and leases to core deposits | 101.4427% | 4,676 |
| Total domestic deposits to total assets | 86.2565% | 2,285 |
| Equity capital to assets | 10.5092% | 3,494 |
| Core capital (leverage) ratio | 11.1495% | 2,466 |
| Tier 1 risk-based capital ratio | 14.2649% | 3,415 |
| Total risk-based capital ratio | 15.4853% | 3,348 |
| Memoranda: | ||
| Average total assets | $75,965,200 | 5,839 |
| Average earning assets | $70,222,400 | 5,808 |
| Average equity | $8,529,200 | 5,896 |
| Average total loans | $56,071,000 | 5,445 |