Home > Connections Bank > Performance and Condition Ratios
Connections Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4627% | 1,218 |
| Cost of funding earning assets | 1.4209% | 2,171 |
| Net interest margin | 4.0418% | 1,143 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.0690% | 3,476 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.3350% | 1,358 |
| Return on assets (ROA) | 1.3424% | 1,313 |
| Pretax return on assets | 1.7122% | 1,043 |
| Return on Equity (ROE) | 14.1900% | 1,445 |
| Retained earnings to average equity (ytd only) | 7.2473% | 1,811 |
| Net charge-offs to loans | 0.0122% | 2,196 |
| Credit loss provision to net charge-offs | 1,995.8333% | 228 |
| Earnings coverage of net charge-offs (x) | 193.2500% | 598 |
| Efficiency ratio | 50.5835% | 3,939 |
| Assets per employee ($millions) | 6.0349% | 2,787 |
| Cash dividends to net income (ytd only)* | 48.9434% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,069 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 82.4500% | 395 |
| Net loans and leases to deposits | 94.0504% | 934 |
| Net loans and leases to core deposits | 104.9567% | 1,170 |
| Total domestic deposits to total assets | 87.6600% | 1,466 |
| Equity capital to assets | 9.9996% | 2,011 |
| Core capital (leverage) ratio | 9.4677% | 3,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $479,450,200 | 1,773 |
| Average earning assets | $443,366,800 | 1,768 |
| Average equity | $45,340,800 | 1,724 |
| Average total loans | $394,071,600 | 1,488 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 1,586 |
| Cost of funding earning assets | 1.0636% | 2,852 |
| Net interest margin | 4.0600% | 1,134 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.8307% | 3,923 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.6778% | 824 |
| Return on assets (ROA) | 1.6778% | 819 |
| Pretax return on assets | 2.1306% | 616 |
| Return on Equity (ROE) | 18.5300% | 872 |
| Retained earnings to average equity (ytd only) | 9.0119% | 1,686 |
| Net charge-offs to loans | 0.0028% | 2,441 |
| Credit loss provision to net charge-offs | 883.3333% | 435 |
| Earnings coverage of net charge-offs (x) | 999.8333% | 160 |
| Efficiency ratio | 45.2147% | 4,177 |
| Assets per employee ($millions) | 6.1706% | 2,597 |
| Cash dividends to net income (ytd only)* | 51.3549% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 2,525 |
| Loan loss allowance to noncurrent loans | 4,672.6027% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 3,619 |
| Noncurrent loans to loans | 0.0250% | 3,590 |
| Net loans and leases to total assets | 82.0700% | 429 |
| Net loans and leases to deposits | 92.6926% | 1,001 |
| Net loans and leases to core deposits | 102.5584% | 1,181 |
| Total domestic deposits to total assets | 88.5400% | 1,396 |
| Equity capital to assets | 9.7281% | 1,979 |
| Core capital (leverage) ratio | 9.7103% | 3,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $363,640,500 | 2,147 |
| Average earning assets | $338,349,500 | 2,140 |
| Average equity | $32,933,250 | 2,132 |
| Average total loans | $290,162,750 | 1,831 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 1,709 |
| Cost of funding earning assets | 0.9343% | 2,818 |
| Net interest margin | 3.9870% | 1,269 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.7818% | 4,030 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.6822% | 814 |
| Return on assets (ROA) | 1.6822% | 817 |
| Pretax return on assets | 2.1028% | 625 |
| Return on Equity (ROE) | 19.0200% | 829 |
| Retained earnings to average equity (ytd only) | 8.5647% | 1,799 |
| Net charge-offs to loans | 0.0021% | 2,297 |
| Credit loss provision to net charge-offs | -233.3333% | 4,569 |
| Earnings coverage of net charge-offs (x) | 1,331.0000% | 109 |
| Efficiency ratio | 44.8542% | 4,213 |
| Assets per employee ($millions) | 6.5508% | 2,254 |
| Cash dividends to net income (ytd only)* | 54.9806% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,732 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.9600% | 739 |
| Net loans and leases to deposits | 88.4434% | 1,306 |
| Net loans and leases to core deposits | 96.4390% | 1,440 |
| Total domestic deposits to total assets | 89.2800% | 1,146 |
| Equity capital to assets | 9.0929% | 2,448 |
| Core capital (leverage) ratio | 9.2767% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $367,612,667 | 2,137 |
| Average earning assets | $341,860,333 | 2,130 |
| Average equity | $32,505,667 | 2,166 |
| Average total loans | $289,525,000 | 1,826 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 2,054 |
| Cost of funding earning assets | 0.7732% | 2,828 |
| Net interest margin | 3.8404% | 1,601 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.7337% | 4,149 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.6891% | 839 |
| Return on assets (ROA) | 1.6891% | 834 |
| Pretax return on assets | 2.0011% | 781 |
| Return on Equity (ROE) | 19.3800% | 829 |
| Retained earnings to average equity (ytd only) | 6.9077% | 2,519 |
| Net charge-offs to loans | 0.0014% | 1,998 |
| Credit loss provision to net charge-offs | -6,700.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | 1,901.0000% | 46 |
| Efficiency ratio | 45.3947% | 4,255 |
| Assets per employee ($millions) | 6.5569% | 2,305 |
| Cash dividends to net income (ytd only)* | 64.3501% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,820 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.1400% | 862 |
| Net loans and leases to deposits | 86.2275% | 1,337 |
| Net loans and leases to core deposits | 88.5808% | 1,700 |
| Total domestic deposits to total assets | 89.4600% | 1,356 |
| Equity capital to assets | 8.8452% | 2,636 |
| Core capital (leverage) ratio | 9.2574% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $367,996,500 | 2,163 |
| Average earning assets | $340,901,500 | 2,170 |
| Average equity | $32,080,000 | 2,212 |
| Average total loans | $287,776,000 | 1,847 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1717% | 1,306 |
| Cost of funding earning assets | 0.3642% | 2,373 |
| Net interest margin | 3.8075% | 1,145 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8586% | 3,912 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.9682% | 316 |
| Return on assets (ROA) | 1.9682% | 304 |
| Pretax return on assets | 1.9702% | 508 |
| Return on Equity (ROE) | 23.3400% | 264 |
| Retained earnings to average equity (ytd only) | 11.4367% | 799 |
| Net charge-offs to loans | -0.0004% | 3,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.4840% | 4,275 |
| Assets per employee ($millions) | 6.5859% | 2,266 |
| Cash dividends to net income (ytd only)* | 51.0088% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,558 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.4500% | 852 |
| Net loans and leases to deposits | 84.8657% | 1,400 |
| Net loans and leases to core deposits | 86.5125% | 1,710 |
| Total domestic deposits to total assets | 91.2600% | 854 |
| Equity capital to assets | 8.5904% | 2,640 |
| Core capital (leverage) ratio | 9.0371% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $357,577,200 | 2,190 |
| Average earning assets | $336,049,200 | 2,172 |
| Average equity | $30,148,600 | 2,329 |
| Average total loans | $265,469,600 | 1,871 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 1,178 |
| Cost of funding earning assets | 0.2861% | 2,321 |
| Net interest margin | 3.7554% | 1,023 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.8667% | 3,827 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.9317% | 326 |
| Return on assets (ROA) | 1.9317% | 321 |
| Pretax return on assets | 1.9336% | 543 |
| Return on Equity (ROE) | 23.0200% | 253 |
| Retained earnings to average equity (ytd only) | 11.4224% | 937 |
| Net charge-offs to loans | -0.0005% | 3,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.0373% | 4,270 |
| Assets per employee ($millions) | 6.3286% | 2,457 |
| Cash dividends to net income (ytd only)* | 50.3891% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,490 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,652 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.3100% | 874 |
| Net loans and leases to deposits | 83.7599% | 1,319 |
| Net loans and leases to core deposits | 85.2165% | 1,569 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 8.6932% | 2,412 |
| Core capital (leverage) ratio | 8.6575% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5851% | 2,222 |
| Memoranda: | ||
| Average total assets | $354,769,250 | 2,219 |
| Average earning assets | $333,662,250 | 2,197 |
| Average equity | $29,765,250 | 2,379 |
| Average total loans | $259,586,250 | 1,897 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 1,156 |
| Cost of funding earning assets | 0.2200% | 2,643 |
| Net interest margin | 3.6564% | 984 |
| Noninterest income to average assets | 0.3455% | 3,081 |
| Noninterest expense to average assets | 1.8609% | 3,808 |
| Loan and lease loss provision to assets | 0.0676% | 1,403 |
| Net operating income to assets | 1.8535% | 301 |
| Return on assets (ROA) | 1.8535% | 296 |
| Pretax return on assets | 1.8552% | 521 |
| Return on Equity (ROE) | 22.3610% | 186 |
| Retained earnings to average equity (ytd only) | 10.1913% | 969 |
| Net charge-offs to loans | 0.0008% | 2,123 |
| Credit loss provision to net charge-offs | 12,000.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 3,412.0000% | 24 |
| Efficiency ratio | 48.9574% | 4,311 |
| Assets per employee ($millions) | 6.4233% | 2,375 |
| Cash dividends to net income (ytd only)* | 54.4238% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,568 |
| Loan loss allowance to noncurrent loans | 324,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,707 |
| Noncurrent loans to loans | 0.0004% | 4,023 |
| Net loans and leases to total assets | 71.4372% | 1,168 |
| Net loans and leases to deposits | 77.9174% | 1,547 |
| Net loans and leases to core deposits | 79.1135% | 1,771 |
| Total domestic deposits to total assets | 91.6832% | 972 |
| Equity capital to assets | 8.1824% | 2,980 |
| Core capital (leverage) ratio | 8.3768% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0324% | 2,481 |
| Memoranda: | ||
| Average total assets | $354,891,000 | 2,228 |
| Average earning assets | $333,711,667 | 2,211 |
| Average equity | $29,417,333 | 2,443 |
| Average total loans | $254,862,000 | 1,924 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 1,268 |
| Cost of funding earning assets | 0.2184% | 2,554 |
| Net interest margin | 3.4823% | 1,124 |
| Noninterest income to average assets | 0.3459% | 3,026 |
| Noninterest expense to average assets | 1.9068% | 3,670 |
| Loan and lease loss provision to assets | 0.0687% | 1,195 |
| Net operating income to assets | 1.6365% | 468 |
| Return on assets (ROA) | 1.6365% | 468 |
| Pretax return on assets | 1.6388% | 774 |
| Return on Equity (ROE) | 19.6109% | 243 |
| Retained earnings to average equity (ytd only) | 6.0246% | 2,246 |
| Net charge-offs to loans | 0.0016% | 1,777 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,491.0000% | 48 |
| Efficiency ratio | 52.5032% | 4,163 |
| Assets per employee ($millions) | 6.4556% | 2,416 |
| Cash dividends to net income (ytd only)* | 69.2792% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 3,767 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.3829% | 982 |
| Net loans and leases to deposits | 76.6908% | 1,387 |
| Net loans and leases to core deposits | 77.8819% | 1,624 |
| Total domestic deposits to total assets | 91.7749% | 665 |
| Equity capital to assets | 8.0984% | 3,493 |
| Core capital (leverage) ratio | 8.2306% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8897% | 2,917 |
| Memoranda: | ||
| Average total assets | $349,273,500 | 2,261 |
| Average earning assets | $327,833,000 | 2,252 |
| Average equity | $29,147,000 | 2,532 |
| Average total loans | $249,897,000 | 1,937 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 1,144 |
| Cost of funding earning assets | 0.2716% | 2,689 |
| Net interest margin | 3.8383% | 941 |
| Noninterest income to average assets | 0.5200% | 2,483 |
| Noninterest expense to average assets | 2.0912% | 3,409 |
| Loan and lease loss provision to assets | 0.0835% | 1,471 |
| Net operating income to assets | 1.9507% | 373 |
| Return on assets (ROA) | 1.9507% | 397 |
| Pretax return on assets | 1.9526% | 670 |
| Return on Equity (ROE) | 22.8311% | 181 |
| Retained earnings to average equity (ytd only) | 10.3041% | 845 |
| Net charge-offs to loans | 0.0078% | 2,285 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 365.6667% | 350 |
| Efficiency ratio | 50.4347% | 4,250 |
| Assets per employee ($millions) | 6.0184% | 2,755 |
| Cash dividends to net income (ytd only)* | 54.8684% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 2,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,830 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.9263% | 927 |
| Net loans and leases to deposits | 77.7064% | 1,420 |
| Net loans and leases to core deposits | 78.7812% | 1,699 |
| Total domestic deposits to total assets | 91.2747% | 393 |
| Equity capital to assets | 8.6095% | 3,983 |
| Core capital (leverage) ratio | 8.4438% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7574% | 2,941 |
| Memoranda: | ||
| Average total assets | $323,261,200 | 2,329 |
| Average earning assets | $303,808,600 | 2,313 |
| Average equity | $27,620,200 | 2,674 |
| Average total loans | $229,884,000 | 2,050 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 1,212 |
| Cost of funding earning assets | 0.2847% | 2,749 |
| Net interest margin | 3.8573% | 1,014 |
| Noninterest income to average assets | 0.5636% | 2,360 |
| Noninterest expense to average assets | 2.1237% | 3,296 |
| Loan and lease loss provision to assets | 0.1001% | 1,204 |
| Net operating income to assets | 1.9698% | 486 |
| Return on assets (ROA) | 1.9698% | 512 |
| Pretax return on assets | 1.9715% | 837 |
| Return on Equity (ROE) | 23.1009% | 246 |
| Retained earnings to average equity (ytd only) | 10.9026% | 1,080 |
| Net charge-offs to loans | 0.0029% | 2,244 |
| Credit loss provision to net charge-offs | 4,800.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 993.8000% | 167 |
| Efficiency ratio | 50.3925% | 4,189 |
| Assets per employee ($millions) | 6.2293% | 2,470 |
| Cash dividends to net income (ytd only)* | 52.8042% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,973 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.9166% | 1,203 |
| Net loans and leases to deposits | 75.3974% | 1,723 |
| Net loans and leases to core deposits | 76.5060% | 2,001 |
| Total domestic deposits to total assets | 91.4044% | 256 |
| Equity capital to assets | 8.4508% | 4,245 |
| Core capital (leverage) ratio | 8.4315% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6669% | 3,022 |
| Memoranda: | ||
| Average total assets | $319,818,250 | 2,369 |
| Average earning assets | $301,101,000 | 2,352 |
| Average equity | $27,271,000 | 2,724 |
| Average total loans | $226,813,000 | 2,102 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 1,286 |
| Cost of funding earning assets | 0.3041% | 2,743 |
| Net interest margin | 3.8274% | 1,097 |
| Noninterest income to average assets | 0.6249% | 2,109 |
| Noninterest expense to average assets | 2.1559% | 3,223 |
| Loan and lease loss provision to assets | 0.1241% | 1,010 |
| Net operating income to assets | 1.9478% | 537 |
| Return on assets (ROA) | 1.9478% | 555 |
| Pretax return on assets | 1.9491% | 923 |
| Return on Equity (ROE) | 22.7705% | 274 |
| Retained earnings to average equity (ytd only) | 10.1615% | 1,351 |
| Net charge-offs to loans | 0.0045% | 1,990 |
| Credit loss provision to net charge-offs | 3,900.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 651.6000% | 213 |
| Efficiency ratio | 50.7523% | 4,168 |
| Assets per employee ($millions) | 6.1689% | 2,462 |
| Cash dividends to net income (ytd only)* | 55.3741% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 2,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,876 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.8627% | 1,210 |
| Net loans and leases to deposits | 76.4454% | 1,773 |
| Net loans and leases to core deposits | 77.7364% | 2,069 |
| Total domestic deposits to total assets | 91.3890% | 259 |
| Equity capital to assets | 8.4342% | 4,250 |
| Core capital (leverage) ratio | 8.3930% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $314,297,000 | 2,387 |
| Average earning assets | $295,971,333 | 2,373 |
| Average equity | $26,885,667 | 2,750 |
| Average total loans | $224,107,667 | 2,128 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 1,273 |
| Cost of funding earning assets | 0.3165% | 2,828 |
| Net interest margin | 3.8412% | 1,072 |
| Noninterest income to average assets | 0.6741% | 1,944 |
| Noninterest expense to average assets | 2.1678% | 3,207 |
| Loan and lease loss provision to assets | 0.1948% | 629 |
| Net operating income to assets | 1.9210% | 637 |
| Return on assets (ROA) | 1.9210% | 686 |
| Pretax return on assets | 1.9210% | 1,079 |
| Return on Equity (ROE) | 22.2905% | 374 |
| Retained earnings to average equity (ytd only) | 8.8016% | 2,018 |
| Net charge-offs to loans | 0.0073% | 1,640 |
| Credit loss provision to net charge-offs | 3,750.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 407.2500% | 226 |
| Efficiency ratio | 50.3639% | 4,155 |
| Assets per employee ($millions) | 5.9755% | 2,620 |
| Cash dividends to net income (ytd only)* | 60.5139% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,989 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 67.2424% | 1,631 |
| Net loans and leases to deposits | 73.4314% | 2,165 |
| Net loans and leases to core deposits | 74.4915% | 2,467 |
| Total domestic deposits to total assets | 91.5717% | 227 |
| Equity capital to assets | 8.3083% | 4,270 |
| Core capital (leverage) ratio | 8.4942% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,968,500 | 2,403 |
| Average earning assets | $289,391,500 | 2,388 |
| Average equity | $26,540,500 | 2,764 |
| Average total loans | $220,421,500 | 2,149 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 410 |
| Cost of funding earning assets | 0.4320% | 3,392 |
| Net interest margin | 4.6695% | 230 |
| Noninterest income to average assets | 0.8889% | 1,298 |
| Noninterest expense to average assets | 2.3954% | 3,142 |
| Loan and lease loss provision to assets | 0.4527% | 614 |
| Net operating income to assets | 2.3550% | 160 |
| Return on assets (ROA) | 2.3554% | 172 |
| Pretax return on assets | 2.3554% | 235 |
| Return on Equity (ROE) | 25.2016% | 105 |
| Retained earnings to average equity (ytd only) | 11.3313% | 394 |
| Net charge-offs to loans | 0.1891% | 899 |
| Credit loss provision to net charge-offs | 294.8403% | 1,759 |
| Earnings coverage of net charge-offs (x) | 18.2850% | 2,032 |
| Efficiency ratio | 45.8125% | 4,724 |
| Assets per employee ($millions) | 5.4308% | 2,918 |
| Cash dividends to net income (ytd only)* | 55.0376% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,411 |
| Loan loss allowance to noncurrent loans | 561.8395% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2339% | 3,118 |
| Noncurrent loans to loans | 0.2314% | 3,370 |
| Net loans and leases to total assets | 74.3297% | 980 |
| Net loans and leases to deposits | 81.7494% | 1,683 |
| Net loans and leases to core deposits | 82.9619% | 2,122 |
| Total domestic deposits to total assets | 90.9238% | 245 |
| Equity capital to assets | 8.9586% | 4,093 |
| Core capital (leverage) ratio | 9.0338% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,051,000 | 2,491 |
| Average earning assets | $244,887,400 | 2,493 |
| Average equity | $24,772,200 | 2,822 |
| Average total loans | $215,220,200 | 2,134 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 455 |
| Cost of funding earning assets | 0.4518% | 3,521 |
| Net interest margin | 4.6959% | 258 |
| Noninterest income to average assets | 0.8181% | 1,427 |
| Noninterest expense to average assets | 2.4408% | 3,022 |
| Loan and lease loss provision to assets | 0.4136% | 828 |
| Net operating income to assets | 2.2930% | 181 |
| Return on assets (ROA) | 2.2930% | 190 |
| Pretax return on assets | 2.2930% | 282 |
| Return on Equity (ROE) | 24.2480% | 131 |
| Retained earnings to average equity (ytd only) | 10.1156% | 734 |
| Net charge-offs to loans | 0.0037% | 3,029 |
| Credit loss provision to net charge-offs | 13,333.3333% | 95 |
| Earnings coverage of net charge-offs (x) | 872.8333% | 138 |
| Efficiency ratio | 47.1888% | 4,652 |
| Assets per employee ($millions) | 5.2371% | 2,972 |
| Cash dividends to net income (ytd only)* | 58.2826% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,366 |
| Loan loss allowance to noncurrent loans | 264.4567% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 2,583 |
| Noncurrent loans to loans | 0.4753% | 2,630 |
| Net loans and leases to total assets | 82.8461% | 376 |
| Net loans and leases to deposits | 91.6091% | 1,109 |
| Net loans and leases to core deposits | 93.0674% | 1,704 |
| Total domestic deposits to total assets | 90.4343% | 297 |
| Equity capital to assets | 9.3575% | 3,810 |
| Core capital (leverage) ratio | 9.2526% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,998,500 | 2,512 |
| Average earning assets | $237,846,000 | 2,522 |
| Average equity | $24,397,250 | 2,843 |
| Average total loans | $213,812,500 | 2,142 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 624 |
| Cost of funding earning assets | 0.4855% | 3,620 |
| Net interest margin | 4.6695% | 360 |
| Noninterest income to average assets | 0.5781% | 2,216 |
| Noninterest expense to average assets | 2.4398% | 3,146 |
| Loan and lease loss provision to assets | 0.3159% | 1,354 |
| Net operating income to assets | 2.1144% | 256 |
| Return on assets (ROA) | 2.1144% | 284 |
| Pretax return on assets | 2.1144% | 424 |
| Return on Equity (ROE) | 22.2755% | 156 |
| Retained earnings to average equity (ytd only) | 8.0382% | 1,289 |
| Net charge-offs to loans | 0.0029% | 2,890 |
| Credit loss provision to net charge-offs | 13,333.3333% | 91 |
| Earnings coverage of net charge-offs (x) | 1,025.6667% | 87 |
| Efficiency ratio | 50.0973% | 4,501 |
| Assets per employee ($millions) | 5.2112% | 2,919 |
| Cash dividends to net income (ytd only)* | 63.9148% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,143 |
| Loan loss allowance to noncurrent loans | 228.1106% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 2,661 |
| Noncurrent loans to loans | 0.4764% | 2,721 |
| Net loans and leases to total assets | 84.7578% | 199 |
| Net loans and leases to deposits | 93.5154% | 1,004 |
| Net loans and leases to core deposits | 95.0336% | 1,656 |
| Total domestic deposits to total assets | 90.6351% | 242 |
| Equity capital to assets | 9.2370% | 3,889 |
| Core capital (leverage) ratio | 9.1858% | 3,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,222,000 | 2,524 |
| Average earning assets | $232,744,000 | 2,533 |
| Average equity | $24,035,333 | 2,853 |
| Average total loans | $208,921,667 | 2,158 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 707 |
| Cost of funding earning assets | 0.5668% | 3,603 |
| Net interest margin | 4.5945% | 420 |
| Noninterest income to average assets | 0.4082% | 3,038 |
| Noninterest expense to average assets | 2.3373% | 3,686 |
| Loan and lease loss provision to assets | 0.2430% | 1,280 |
| Net operating income to assets | 2.0425% | 253 |
| Return on assets (ROA) | 2.0425% | 275 |
| Pretax return on assets | 2.0425% | 415 |
| Return on Equity (ROE) | 21.2124% | 131 |
| Retained earnings to average equity (ytd only) | 8.4278% | 1,119 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5606% | 4,633 |
| Assets per employee ($millions) | 5.1966% | 2,432 |
| Cash dividends to net income (ytd only)* | 60.2696% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,233 |
| Loan loss allowance to noncurrent loans | 205.1565% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,688 |
| Noncurrent loans to loans | 0.5340% | 2,666 |
| Net loans and leases to total assets | 82.3602% | 407 |
| Net loans and leases to deposits | 91.4944% | 1,342 |
| Net loans and leases to core deposits | 93.0149% | 2,068 |
| Total domestic deposits to total assets | 90.0167% | 315 |
| Equity capital to assets | 9.8449% | 3,923 |
| Core capital (leverage) ratio | 9.5839% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,948,500 | 2,512 |
| Average earning assets | $226,531,000 | 2,524 |
| Average equity | $23,778,500 | 2,869 |
| Average total loans | $199,515,000 | 2,189 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 1,085 |
| Cost of funding earning assets | 0.7239% | 3,043 |
| Net interest margin | 4.4366% | 827 |
| Noninterest income to average assets | 0.5107% | 2,672 |
| Noninterest expense to average assets | 2.3305% | 3,868 |
| Loan and lease loss provision to assets | 0.1036% | 1,990 |
| Net operating income to assets | 2.2152% | 217 |
| Return on assets (ROA) | 2.2165% | 229 |
| Pretax return on assets | 2.1578% | 419 |
| Return on Equity (ROE) | 22.8550% | 120 |
| Retained earnings to average equity (ytd only) | 8.8099% | 761 |
| Net charge-offs to loans | 0.0032% | 3,566 |
| Credit loss provision to net charge-offs | 4,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 872.5000% | 122 |
| Efficiency ratio | 50.7665% | 4,688 |
| Assets per employee ($millions) | 5.3119% | 2,235 |
| Cash dividends to net income (ytd only)* | 61.4531% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,158 |
| Loan loss allowance to noncurrent loans | 191.3444% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,655 |
| Noncurrent loans to loans | 0.5551% | 2,511 |
| Net loans and leases to total assets | 77.5334% | 1,155 |
| Net loans and leases to deposits | 85.7764% | 2,122 |
| Net loans and leases to core deposits | 87.5743% | 2,644 |
| Total domestic deposits to total assets | 90.3901% | 216 |
| Equity capital to assets | 9.4176% | 4,415 |
| Core capital (leverage) ratio | 9.8221% | 3,706 |
| Tier 1 risk-based capital ratio | 12.5082% | 4,065 |
| Total risk-based capital ratio | 13.6403% | 4,003 |
| Memoranda: | ||
| Average total assets | $231,626,400 | 2,566 |
| Average earning assets | $213,003,200 | 2,583 |
| Average equity | $22,463,400 | 2,923 |
| Average total loans | $185,114,000 | 2,272 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1707% | 1,104 |
| Cost of funding earning assets | 0.7445% | 2,992 |
| Net interest margin | 4.4262% | 892 |
| Noninterest income to average assets | 0.5553% | 2,432 |
| Noninterest expense to average assets | 2.3541% | 3,811 |
| Loan and lease loss provision to assets | 0.1057% | 1,827 |
| Net operating income to assets | 2.1686% | 287 |
| Return on assets (ROA) | 2.1703% | 299 |
| Pretax return on assets | 2.1703% | 476 |
| Return on Equity (ROE) | 22.2024% | 154 |
| Retained earnings to average equity (ytd only) | 7.8492% | 1,469 |
| Net charge-offs to loans | 0.0029% | 3,316 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 969.0807% | 95 |
| Efficiency ratio | 50.8625% | 4,689 |
| Assets per employee ($millions) | 4.9790% | 2,586 |
| Cash dividends to net income (ytd only)* | 64.6471% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,127 |
| Loan loss allowance to noncurrent loans | 184.4749% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 2,612 |
| Noncurrent loans to loans | 0.5859% | 2,532 |
| Net loans and leases to total assets | 80.7187% | 746 |
| Net loans and leases to deposits | 90.0379% | 1,689 |
| Net loans and leases to core deposits | 96.9460% | 1,910 |
| Total domestic deposits to total assets | 89.6496% | 393 |
| Equity capital to assets | 10.0116% | 4,008 |
| Core capital (leverage) ratio | 9.8303% | 3,809 |
| Tier 1 risk-based capital ratio | 13.0967% | 3,799 |
| Total risk-based capital ratio | 14.2842% | 3,730 |
| Memoranda: | ||
| Average total assets | $227,118,250 | 2,624 |
| Average earning assets | $208,993,000 | 2,637 |
| Average equity | $22,201,250 | 2,965 |
| Average total loans | $182,480,750 | 2,316 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 1,256 |
| Cost of funding earning assets | 0.7417% | 2,937 |
| Net interest margin | 4.3430% | 1,061 |
| Noninterest income to average assets | 0.6323% | 2,012 |
| Noninterest expense to average assets | 2.3684% | 3,822 |
| Loan and lease loss provision to assets | 0.1060% | 1,767 |
| Net operating income to assets | 2.1547% | 294 |
| Return on assets (ROA) | 2.1574% | 308 |
| Pretax return on assets | 2.1574% | 490 |
| Return on Equity (ROE) | 22.2512% | 157 |
| Retained earnings to average equity (ytd only) | 7.2228% | 1,716 |
| Net charge-offs to loans | 0.0033% | 3,045 |
| Credit loss provision to net charge-offs | 4,000.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 853.3333% | 87 |
| Efficiency ratio | 51.1637% | 4,713 |
| Assets per employee ($millions) | 5.0542% | 2,411 |
| Cash dividends to net income (ytd only)* | 67.5399% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.4471% | 978 |
| Net loans and leases to deposits | 89.2487% | 1,829 |
| Net loans and leases to core deposits | 96.5777% | 2,010 |
| Total domestic deposits to total assets | 89.0176% | 653 |
| Equity capital to assets | 9.8150% | 4,126 |
| Core capital (leverage) ratio | 9.7625% | 3,867 |
| Tier 1 risk-based capital ratio | 12.9390% | 3,870 |
| Total risk-based capital ratio | 14.1052% | 3,819 |
| Memoranda: | ||
| Average total assets | $226,479,330 | 2,638 |
| Average earning assets | $208,427,330 | 2,652 |
| Average equity | $21,958,330 | 2,977 |
| Average total loans | $181,009,670 | 2,332 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 1,154 |
| Cost of funding earning assets | 0.7120% | 2,990 |
| Net interest margin | 4.3624% | 985 |
| Noninterest income to average assets | 0.8708% | 1,116 |
| Noninterest expense to average assets | 2.3434% | 3,910 |
| Loan and lease loss provision to assets | 0.1062% | 1,680 |
| Net operating income to assets | 2.3630% | 208 |
| Return on assets (ROA) | 2.3681% | 218 |
| Pretax return on assets | 2.4389% | 275 |
| Return on Equity (ROE) | 24.5775% | 106 |
| Retained earnings to average equity (ytd only) | -3.7105% | 4,849 |
| Net charge-offs to loans | 0.0044% | 2,549 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 717.5000% | 92 |
| Efficiency ratio | 47.9884% | 4,942 |
| Assets per employee ($millions) | 4.8198% | 2,764 |
| Cash dividends to net income (ytd only)* | 115.0972% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.4450% | 785 |
| Net loans and leases to deposits | 91.4773% | 1,458 |
| Net loans and leases to core deposits | 94.0647% | 2,117 |
| Total domestic deposits to total assets | 87.9398% | 1,367 |
| Equity capital to assets | 9.8185% | 3,995 |
| Core capital (leverage) ratio | 9.5367% | 4,089 |
| Tier 1 risk-based capital ratio | 12.8948% | 3,931 |
| Total risk-based capital ratio | 14.0417% | 3,884 |
| Memoranda: | ||
| Average total assets | $226,000,500 | 2,667 |
| Average earning assets | $207,869,500 | 2,687 |
| Average equity | $21,776,000 | 2,996 |
| Average total loans | $180,188,000 | 2,369 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 930 |
| Cost of funding earning assets | 0.6208% | 2,583 |
| Net interest margin | 4.4400% | 863 |
| Noninterest income to average assets | 0.3356% | 3,871 |
| Noninterest expense to average assets | 2.2247% | 4,281 |
| Loan and lease loss provision to assets | 0.1135% | 1,943 |
| Net operating income to assets | 2.0892% | 301 |
| Return on assets (ROA) | 2.0892% | 299 |
| Pretax return on assets | 2.0915% | 449 |
| Return on Equity (ROE) | 22.0235% | 155 |
| Retained earnings to average equity (ytd only) | 6.4411% | 1,955 |
| Net charge-offs to loans | -0.0012% | 4,196 |
| Credit loss provision to net charge-offs | -12,650.0000% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2228% | 4,928 |
| Assets per employee ($millions) | 5.3555% | 2,104 |
| Cash dividends to net income (ytd only)* | 70.7537% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.4131% | 1,371 |
| Net loans and leases to deposits | 85.7201% | 2,310 |
| Net loans and leases to core deposits | 87.5544% | 2,787 |
| Total domestic deposits to total assets | 90.3091% | 376 |
| Equity capital to assets | 9.4590% | 4,163 |
| Core capital (leverage) ratio | 9.6328% | 3,967 |
| Tier 1 risk-based capital ratio | 12.8089% | 3,960 |
| Total risk-based capital ratio | 13.9034% | 3,930 |
| Memoranda: | ||
| Average total assets | $222,905,400 | 2,676 |
| Average earning assets | $205,540,400 | 2,675 |
| Average equity | $21,145,600 | 2,974 |
| Average total loans | $172,551,600 | 2,417 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,062 |
| Cost of funding earning assets | 0.5725% | 2,685 |
| Net interest margin | 4.3708% | 962 |
| Noninterest income to average assets | 0.3390% | 3,886 |
| Noninterest expense to average assets | 2.2509% | 4,215 |
| Loan and lease loss provision to assets | 0.0772% | 2,417 |
| Net operating income to assets | 2.0736% | 327 |
| Return on assets (ROA) | 2.0736% | 324 |
| Pretax return on assets | 2.0537% | 541 |
| Return on Equity (ROE) | 21.8423% | 176 |
| Retained earnings to average equity (ytd only) | 6.5947% | 2,341 |
| Net charge-offs to loans | -0.0008% | 4,005 |
| Credit loss provision to net charge-offs | -12,800.0000% | 4,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3696% | 4,858 |
| Assets per employee ($millions) | 4.8425% | 2,665 |
| Cash dividends to net income (ytd only)* | 69.8080% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 3,928 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 80.2108% | 985 |
| Net loans and leases to deposits | 91.7301% | 1,655 |
| Net loans and leases to core deposits | 94.8955% | 2,217 |
| Total domestic deposits to total assets | 87.4422% | 1,523 |
| Equity capital to assets | 9.7778% | 3,841 |
| Core capital (leverage) ratio | 9.6139% | 4,041 |
| Tier 1 risk-based capital ratio | 13.1486% | 3,813 |
| Total risk-based capital ratio | 14.2276% | 3,828 |
| Memoranda: | ||
| Average total assets | $221,059,750 | 2,700 |
| Average earning assets | $204,471,000 | 2,702 |
| Average equity | $20,986,250 | 3,010 |
| Average total loans | $170,660,250 | 2,450 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8094% | 1,223 |
| Cost of funding earning assets | 0.5564% | 2,557 |
| Net interest margin | 4.2531% | 1,153 |
| Noninterest income to average assets | 0.3197% | 4,042 |
| Noninterest expense to average assets | 2.2178% | 4,328 |
| Loan and lease loss provision to assets | 0.0675% | 2,532 |
| Net operating income to assets | 2.0278% | 360 |
| Return on assets (ROA) | 2.0278% | 358 |
| Pretax return on assets | 1.9648% | 655 |
| Return on Equity (ROE) | 21.5716% | 181 |
| Retained earnings to average equity (ytd only) | 6.9638% | 2,091 |
| Net charge-offs to loans | -0.0024% | 3,976 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1822% | 4,869 |
| Assets per employee ($millions) | 4.8625% | 2,602 |
| Cash dividends to net income (ytd only)* | 67.7176% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 4,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.6250% | 1,375 |
| Net loans and leases to deposits | 86.1371% | 2,295 |
| Net loans and leases to core deposits | 88.0811% | 2,712 |
| Total domestic deposits to total assets | 90.1180% | 531 |
| Equity capital to assets | 9.6449% | 3,970 |
| Core capital (leverage) ratio | 9.4418% | 4,189 |
| Tier 1 risk-based capital ratio | 12.6622% | 4,089 |
| Total risk-based capital ratio | 13.6702% | 4,124 |
| Memoranda: | ||
| Average total assets | $222,109,000 | 2,712 |
| Average earning assets | $205,263,000 | 2,707 |
| Average equity | $20,879,330 | 3,039 |
| Average total loans | $168,711,330 | 2,474 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,302 |
| Cost of funding earning assets | 0.5552% | 2,356 |
| Net interest margin | 4.1477% | 1,304 |
| Noninterest income to average assets | 0.2967% | 4,178 |
| Noninterest expense to average assets | 2.1934% | 4,437 |
| Loan and lease loss provision to assets | 0.0679% | 2,406 |
| Net operating income to assets | 1.8109% | 551 |
| Return on assets (ROA) | 1.8109% | 557 |
| Pretax return on assets | 1.8681% | 780 |
| Return on Equity (ROE) | 19.5117% | 287 |
| Retained earnings to average equity (ytd only) | 7.4734% | 2,067 |
| Net charge-offs to loans | 0.0024% | 2,654 |
| Credit loss provision to net charge-offs | 3,800.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,083.0000% | 52 |
| Efficiency ratio | 53.1169% | 4,871 |
| Assets per employee ($millions) | 5.1533% | 2,297 |
| Cash dividends to net income (ytd only)* | 61.6979% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 4,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 74.6899% | 1,756 |
| Net loans and leases to deposits | 82.6712% | 2,528 |
| Net loans and leases to core deposits | 84.8327% | 2,906 |
| Total domestic deposits to total assets | 90.3457% | 522 |
| Equity capital to assets | 9.4097% | 4,174 |
| Core capital (leverage) ratio | 9.1322% | 4,530 |
| Tier 1 risk-based capital ratio | 12.8774% | 4,019 |
| Total risk-based capital ratio | 13.8948% | 4,052 |
| Memoranda: | ||
| Average total assets | $223,758,000 | 2,718 |
| Average earning assets | $206,764,000 | 2,724 |
| Average equity | $20,767,000 | 3,073 |
| Average total loans | $167,308,000 | 2,503 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 926 |
| Cost of funding earning assets | 0.4848% | 2,462 |
| Net interest margin | 4.3438% | 872 |
| Noninterest income to average assets | 0.3642% | 3,861 |
| Noninterest expense to average assets | 2.3383% | 4,234 |
| Loan and lease loss provision to assets | 0.0745% | 2,715 |
| Net operating income to assets | 2.0228% | 272 |
| Return on assets (ROA) | 2.0228% | 274 |
| Pretax return on assets | 2.0142% | 474 |
| Return on Equity (ROE) | 21.2376% | 154 |
| Retained earnings to average equity (ytd only) | 7.6672% | 871 |
| Net charge-offs to loans | 0.0043% | 3,939 |
| Credit loss provision to net charge-offs | 2,228.5714% | 173 |
| Earnings coverage of net charge-offs (x) | 625.1429% | 137 |
| Efficiency ratio | 52.8194% | 5,053 |
| Assets per employee ($millions) | 5.3792% | 2,077 |
| Cash dividends to net income (ytd only)* | 63.8981% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 4,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 73.4292% | 2,017 |
| Net loans and leases to deposits | 81.0466% | 2,810 |
| Net loans and leases to core deposits | 82.9089% | 3,159 |
| Total domestic deposits to total assets | 90.6013% | 362 |
| Equity capital to assets | 9.1548% | 4,572 |
| Core capital (leverage) ratio | 9.3149% | 4,272 |
| Tier 1 risk-based capital ratio | 12.3196% | 4,316 |
| Total risk-based capital ratio | 13.2870% | 4,385 |
| Memoranda: | ||
| Average total assets | $209,514,600 | 2,829 |
| Average earning assets | $195,959,200 | 2,806 |
| Average equity | $19,955,200 | 3,152 |
| Average total loans | $162,943,000 | 2,512 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 854 |
| Cost of funding earning assets | 0.4674% | 2,542 |
| Net interest margin | 4.3741% | 773 |
| Noninterest income to average assets | 0.3843% | 3,786 |
| Noninterest expense to average assets | 2.4101% | 3,992 |
| Loan and lease loss provision to assets | 0.0766% | 2,543 |
| Net operating income to assets | 2.0362% | 302 |
| Return on assets (ROA) | 2.0362% | 307 |
| Pretax return on assets | 2.0037% | 547 |
| Return on Equity (ROE) | 21.1526% | 168 |
| Retained earnings to average equity (ytd only) | 7.4510% | 1,455 |
| Net charge-offs to loans | 0.0058% | 3,526 |
| Credit loss provision to net charge-offs | 1,685.7143% | 233 |
| Earnings coverage of net charge-offs (x) | 458.0096% | 214 |
| Efficiency ratio | 53.6716% | 4,956 |
| Assets per employee ($millions) | 5.1582% | 2,275 |
| Cash dividends to net income (ytd only)* | 64.7754% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 77.5564% | 1,337 |
| Net loans and leases to deposits | 88.2113% | 2,028 |
| Net loans and leases to core deposits | 91.8216% | 2,458 |
| Total domestic deposits to total assets | 87.9212% | 1,409 |
| Equity capital to assets | 9.6848% | 4,257 |
| Core capital (leverage) ratio | 9.3452% | 4,354 |
| Tier 1 risk-based capital ratio | 12.5318% | 4,298 |
| Total risk-based capital ratio | 13.5134% | 4,359 |
| Memoranda: | ||
| Average total assets | $205,412,000 | 2,893 |
| Average earning assets | $192,828,250 | 2,863 |
| Average equity | $19,773,250 | 3,189 |
| Average total loans | $161,807,750 | 2,538 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 831 |
| Cost of funding earning assets | 0.4142% | 2,943 |
| Net interest margin | 4.4056% | 695 |
| Noninterest income to average assets | 0.3825% | 3,807 |
| Noninterest expense to average assets | 2.4643% | 3,871 |
| Loan and lease loss provision to assets | 0.0738% | 2,496 |
| Net operating income to assets | 2.0562% | 275 |
| Return on assets (ROA) | 2.0562% | 283 |
| Pretax return on assets | 1.9755% | 555 |
| Return on Equity (ROE) | 21.4055% | 163 |
| Retained earnings to average equity (ytd only) | 6.7871% | 1,691 |
| Net charge-offs to loans | 0.0062% | 3,235 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 416.8000% | 204 |
| Efficiency ratio | 54.5969% | 4,966 |
| Assets per employee ($millions) | 4.7670% | 2,695 |
| Cash dividends to net income (ytd only)* | 68.2927% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 4,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.2044% | 1,217 |
| Net loans and leases to deposits | 88.8480% | 1,886 |
| Net loans and leases to core deposits | 93.0515% | 2,241 |
| Total domestic deposits to total assets | 88.0204% | 1,448 |
| Equity capital to assets | 9.6024% | 4,310 |
| Core capital (leverage) ratio | 9.4316% | 4,200 |
| Tier 1 risk-based capital ratio | 12.2285% | 4,479 |
| Total risk-based capital ratio | 13.1825% | 4,575 |
| Memoranda: | ||
| Average total assets | $203,387,330 | 2,927 |
| Average earning assets | $190,711,670 | 2,902 |
| Average equity | $19,537,000 | 3,207 |
| Average total loans | $160,553,000 | 2,557 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 874 |
| Cost of funding earning assets | 0.3908% | 3,092 |
| Net interest margin | 4.3440% | 712 |
| Noninterest income to average assets | 0.3816% | 3,795 |
| Noninterest expense to average assets | 2.5634% | 3,613 |
| Loan and lease loss provision to assets | 0.0799% | 2,211 |
| Net operating income to assets | 1.7482% | 500 |
| Return on assets (ROA) | 1.7482% | 507 |
| Pretax return on assets | 1.8021% | 797 |
| Return on Equity (ROE) | 18.1960% | 326 |
| Retained earnings to average equity (ytd only) | 1.1853% | 4,598 |
| Net charge-offs to loans | 0.0886% | 1,460 |
| Credit loss provision to net charge-offs | 114.2857% | 1,447 |
| Earnings coverage of net charge-offs (x) | 26.9143% | 1,288 |
| Efficiency ratio | 57.6629% | 4,755 |
| Assets per employee ($millions) | 4.5074% | 3,160 |
| Cash dividends to net income (ytd only)* | 93.4857% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 4,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 79.2203% | 946 |
| Net loans and leases to deposits | 91.5193% | 1,378 |
| Net loans and leases to core deposits | 94.6709% | 1,915 |
| Total domestic deposits to total assets | 86.5614% | 2,414 |
| Equity capital to assets | 9.5167% | 4,276 |
| Core capital (leverage) ratio | 9.3798% | 4,251 |
| Tier 1 risk-based capital ratio | 12.4432% | 4,418 |
| Total risk-based capital ratio | 13.4026% | 4,515 |
| Memoranda: | ||
| Average total assets | $200,206,500 | 2,995 |
| Average earning assets | $187,292,500 | 2,968 |
| Average equity | $19,235,000 | 3,261 |
| Average total loans | $158,058,000 | 2,605 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 768 |
| Cost of funding earning assets | 0.4036% | 2,968 |
| Net interest margin | 4.4746% | 655 |
| Noninterest income to average assets | 0.3835% | 4,008 |
| Noninterest expense to average assets | 2.2098% | 4,752 |
| Loan and lease loss provision to assets | 0.1368% | 1,826 |
| Net operating income to assets | 2.2109% | 222 |
| Return on assets (ROA) | 2.3167% | 201 |
| Pretax return on assets | 2.3390% | 255 |
| Return on Equity (ROE) | 23.8177% | 97 |
| Retained earnings to average equity (ytd only) | 5.9427% | 1,739 |
| Net charge-offs to loans | 0.0179% | 3,708 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 173.1852% | 374 |
| Efficiency ratio | 48.2629% | 5,566 |
| Assets per employee ($millions) | 4.5949% | 2,969 |
| Cash dividends to net income (ytd only)* | 75.0492% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 4,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.2072% | 1,329 |
| Net loans and leases to deposits | 87.9030% | 1,937 |
| Net loans and leases to core deposits | 90.9669% | 2,411 |
| Total domestic deposits to total assets | 87.8323% | 1,721 |
| Equity capital to assets | 9.7009% | 4,069 |
| Core capital (leverage) ratio | 9.5364% | 4,033 |
| Tier 1 risk-based capital ratio | 12.8009% | 4,203 |
| Total risk-based capital ratio | 13.7849% | 4,249 |
| Memoranda: | ||
| Average total assets | $197,393,200 | 2,982 |
| Average earning assets | $185,066,200 | 2,955 |
| Average equity | $19,200,000 | 3,250 |
| Average total loans | $150,660,400 | 2,633 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8587% | 796 |
| Cost of funding earning assets | 0.4071% | 2,957 |
| Net interest margin | 4.4517% | 700 |
| Noninterest income to average assets | 0.3912% | 3,984 |
| Noninterest expense to average assets | 2.1843% | 4,807 |
| Loan and lease loss provision to assets | 0.1371% | 1,713 |
| Net operating income to assets | 2.2424% | 229 |
| Return on assets (ROA) | 2.3836% | 194 |
| Pretax return on assets | 2.3930% | 258 |
| Return on Equity (ROE) | 24.4889% | 90 |
| Retained earnings to average equity (ytd only) | 7.8159% | 1,247 |
| Net charge-offs to loans | 0.0027% | 3,846 |
| Credit loss provision to net charge-offs | 6,766.6667% | 82 |
| Earnings coverage of net charge-offs (x) | 1,178.6375% | 55 |
| Efficiency ratio | 47.7619% | 5,602 |
| Assets per employee ($millions) | 4.7796% | 2,638 |
| Cash dividends to net income (ytd only)* | 68.0840% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 4,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 77.4718% | 1,288 |
| Net loans and leases to deposits | 88.6900% | 1,932 |
| Net loans and leases to core deposits | 91.9657% | 2,383 |
| Total domestic deposits to total assets | 87.3512% | 1,737 |
| Equity capital to assets | 10.1494% | 3,982 |
| Core capital (leverage) ratio | 9.5078% | 4,171 |
| Tier 1 risk-based capital ratio | 12.9957% | 4,166 |
| Total risk-based capital ratio | 13.9659% | 4,244 |
| Memoranda: | ||
| Average total assets | $197,346,500 | 2,998 |
| Average earning assets | $185,394,250 | 2,961 |
| Average equity | $19,208,250 | 3,266 |
| Average total loans | $149,829,000 | 2,648 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8149% | 861 |
| Cost of funding earning assets | 0.4033% | 3,002 |
| Net interest margin | 4.4116% | 747 |
| Noninterest income to average assets | 0.3508% | 4,270 |
| Noninterest expense to average assets | 2.1637% | 4,922 |
| Loan and lease loss provision to assets | 0.1365% | 1,661 |
| Net operating income to assets | 2.2203% | 221 |
| Return on assets (ROA) | 2.3103% | 205 |
| Pretax return on assets | 2.2881% | 313 |
| Return on Equity (ROE) | 24.0763% | 103 |
| Retained earnings to average equity (ytd only) | 6.9331% | 1,635 |
| Net charge-offs to loans | -0.0027% | 4,408 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1007% | 5,661 |
| Assets per employee ($millions) | 4.8603% | 2,464 |
| Cash dividends to net income (ytd only)* | 71.2035% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 5,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 77.3642% | 1,282 |
| Net loans and leases to deposits | 88.4648% | 1,921 |
| Net loans and leases to core deposits | 92.4625% | 2,314 |
| Total domestic deposits to total assets | 87.4520% | 1,689 |
| Equity capital to assets | 10.0703% | 4,137 |
| Core capital (leverage) ratio | 10.0383% | 3,522 |
| Tier 1 risk-based capital ratio | 13.8828% | 3,674 |
| Total risk-based capital ratio | 14.8389% | 3,766 |
| Memoranda: | ||
| Average total assets | $197,807,670 | 3,001 |
| Average earning assets | $185,966,000 | 2,975 |
| Average equity | $18,981,330 | 3,304 |
| Average total loans | $148,701,000 | 2,667 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 793 |
| Cost of funding earning assets | 0.4040% | 3,023 |
| Net interest margin | 4.4296% | 694 |
| Noninterest income to average assets | 0.3408% | 4,294 |
| Noninterest expense to average assets | 2.1192% | 5,080 |
| Loan and lease loss provision to assets | 0.1363% | 1,537 |
| Net operating income to assets | 2.1747% | 238 |
| Return on assets (ROA) | 2.3478% | 201 |
| Pretax return on assets | 2.4180% | 272 |
| Return on Equity (ROE) | 25.0709% | 98 |
| Retained earnings to average equity (ytd only) | 7.9430% | 1,481 |
| Net charge-offs to loans | -0.0027% | 4,165 |
| Credit loss provision to net charge-offs | -6,800.0000% | 5,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1454% | 5,765 |
| Assets per employee ($millions) | 5.0339% | 2,305 |
| Cash dividends to net income (ytd only)* | 68.3177% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 5,216 |
| Loan loss allowance to noncurrent loans | 1,861.7647% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 5,494 |
| Noncurrent loans to loans | 0.0458% | 5,310 |
| Net loans and leases to total assets | 76.9987% | 1,247 |
| Net loans and leases to deposits | 88.0768% | 1,817 |
| Net loans and leases to core deposits | 93.0002% | 2,088 |
| Total domestic deposits to total assets | 87.4222% | 1,976 |
| Equity capital to assets | 10.0136% | 4,061 |
| Core capital (leverage) ratio | 9.4518% | 4,274 |
| Tier 1 risk-based capital ratio | 13.9741% | 3,716 |
| Total risk-based capital ratio | 14.9078% | 3,822 |
| Memoranda: | ||
| Average total assets | $199,505,000 | 2,992 |
| Average earning assets | $187,106,000 | 2,966 |
| Average equity | $18,683,000 | 3,349 |
| Average total loans | $147,181,500 | 2,693 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8776% | 812 |
| Cost of funding earning assets | 0.4422% | 2,718 |
| Net interest margin | 4.4354% | 740 |
| Noninterest income to average assets | 0.3643% | 4,299 |
| Noninterest expense to average assets | 2.1789% | 5,096 |
| Loan and lease loss provision to assets | 0.0458% | 3,411 |
| Net operating income to assets | 2.3088% | 204 |
| Return on assets (ROA) | 2.3095% | 210 |
| Pretax return on assets | 2.3225% | 282 |
| Return on Equity (ROE) | 25.7950% | 90 |
| Retained earnings to average equity (ytd only) | 11.4218% | 297 |
| Net charge-offs to loans | 0.0040% | 4,310 |
| Credit loss provision to net charge-offs | 1,500.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 775.0000% | 81 |
| Efficiency ratio | 47.9254% | 5,847 |
| Assets per employee ($millions) | 5.1596% | 2,170 |
| Cash dividends to net income (ytd only)* | 55.7209% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 3,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.7252% | 1,773 |
| Net loans and leases to deposits | 83.6383% | 2,403 |
| Net loans and leases to core deposits | 89.1312% | 2,486 |
| Total domestic deposits to total assets | 88.1476% | 1,558 |
| Equity capital to assets | 8.5264% | 5,546 |
| Core capital (leverage) ratio | 8.9813% | 4,906 |
| Tier 1 risk-based capital ratio | 12.8507% | 4,420 |
| Total risk-based capital ratio | 14.1003% | 4,315 |
| Memoranda: | ||
| Average total assets | $130,936,800 | 3,872 |
| Average earning assets | $123,461,200 | 3,808 |
| Average equity | $11,723,200 | 4,351 |
| Average total loans | $99,158,200 | 3,401 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 750 |
| Cost of funding earning assets | 0.4446% | 2,738 |
| Net interest margin | 4.4663% | 706 |
| Noninterest income to average assets | 0.3742% | 4,256 |
| Noninterest expense to average assets | 2.2170% | 5,007 |
| Loan and lease loss provision to assets | 0.0470% | 3,263 |
| Net operating income to assets | 2.3373% | 207 |
| Return on assets (ROA) | 2.3383% | 213 |
| Pretax return on assets | 2.3320% | 323 |
| Return on Equity (ROE) | 25.7686% | 100 |
| Retained earnings to average equity (ytd only) | 13.5121% | 237 |
| Net charge-offs to loans | 0.0069% | 3,932 |
| Credit loss provision to net charge-offs | 900.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 454.7616% | 161 |
| Efficiency ratio | 48.2484% | 5,857 |
| Assets per employee ($millions) | 4.9841% | 2,319 |
| Cash dividends to net income (ytd only)* | 47.5637% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 76.6767% | 1,292 |
| Net loans and leases to deposits | 88.4792% | 1,838 |
| Net loans and leases to core deposits | 95.5873% | 1,923 |
| Total domestic deposits to total assets | 86.6607% | 2,203 |
| Equity capital to assets | 9.4408% | 4,825 |
| Core capital (leverage) ratio | 9.2921% | 4,596 |
| Tier 1 risk-based capital ratio | 13.2962% | 4,255 |
| Total risk-based capital ratio | 14.5463% | 4,184 |
| Memoranda: | ||
| Average total assets | $127,553,750 | 3,981 |
| Average earning assets | $120,544,500 | 3,911 |
| Average equity | $11,574,500 | 4,428 |
| Average total loans | $97,021,000 | 3,470 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 768 |
| Cost of funding earning assets | 0.4411% | 2,826 |
| Net interest margin | 4.4378% | 712 |
| Noninterest income to average assets | 0.3689% | 4,304 |
| Noninterest expense to average assets | 2.2305% | 5,025 |
| Loan and lease loss provision to assets | 0.0473% | 3,175 |
| Net operating income to assets | 2.3267% | 215 |
| Return on assets (ROA) | 2.3283% | 225 |
| Pretax return on assets | 2.2794% | 351 |
| Return on Equity (ROE) | 26.0157% | 102 |
| Retained earnings to average equity (ytd only) | 10.6212% | 561 |
| Net charge-offs to loans | 0.0021% | 3,829 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 1,475.0000% | 41 |
| Efficiency ratio | 48.9619% | 5,905 |
| Assets per employee ($millions) | 4.9878% | 2,288 |
| Cash dividends to net income (ytd only)* | 59.1740% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 4,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 76.5582% | 1,294 |
| Net loans and leases to deposits | 91.2528% | 1,454 |
| Net loans and leases to core deposits | 99.0848% | 1,563 |
| Total domestic deposits to total assets | 83.8969% | 3,613 |
| Equity capital to assets | 8.8747% | 5,368 |
| Core capital (leverage) ratio | 9.0037% | 4,963 |
| Tier 1 risk-based capital ratio | 12.1654% | 5,023 |
| Total risk-based capital ratio | 13.4039% | 4,934 |
| Memoranda: | ||
| Average total assets | $126,876,000 | 4,025 |
| Average earning assets | $119,698,670 | 3,952 |
| Average equity | $11,354,670 | 4,497 |
| Average total loans | $95,846,670 | 3,514 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 702 |
| Cost of funding earning assets | 0.4475% | 2,792 |
| Net interest margin | 4.4514% | 660 |
| Noninterest income to average assets | 0.3539% | 4,370 |
| Noninterest expense to average assets | 2.2443% | 5,025 |
| Loan and lease loss provision to assets | 0.0478% | 2,973 |
| Net operating income to assets | 2.1838% | 236 |
| Return on assets (ROA) | 2.1869% | 252 |
| Pretax return on assets | 2.2507% | 357 |
| Return on Equity (ROE) | 24.3316% | 119 |
| Retained earnings to average equity (ytd only) | 7.2356% | 1,897 |
| Net charge-offs to loans | 0.0086% | 3,043 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 360.0000% | 155 |
| Efficiency ratio | 49.4382% | 5,953 |
| Assets per employee ($millions) | 5.1410% | 2,179 |
| Cash dividends to net income (ytd only)* | 70.2624% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 3,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.2198% | 1,613 |
| Net loans and leases to deposits | 84.0771% | 2,060 |
| Net loans and leases to core deposits | 91.0776% | 2,023 |
| Total domestic deposits to total assets | 87.0865% | 2,323 |
| Equity capital to assets | 8.9851% | 5,310 |
| Core capital (leverage) ratio | 8.2867% | 5,744 |
| Tier 1 risk-based capital ratio | 11.9697% | 5,258 |
| Total risk-based capital ratio | 13.2194% | 5,152 |
| Memoranda: | ||
| Average total assets | $125,472,500 | 4,076 |
| Average earning assets | $117,986,000 | 4,018 |
| Average equity | $11,277,500 | 4,546 |
| Average total loans | $93,543,500 | 3,578 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 818 |
| Cost of funding earning assets | 0.4518% | 3,151 |
| Net interest margin | 4.5201% | 718 |
| Noninterest income to average assets | 0.3981% | 4,195 |
| Noninterest expense to average assets | 2.2645% | 5,208 |
| Loan and lease loss provision to assets | 0.0532% | 3,493 |
| Net operating income to assets | 2.3443% | 181 |
| Return on assets (ROA) | 2.3443% | 185 |
| Pretax return on assets | 2.3293% | 257 |
| Return on Equity (ROE) | 26.0334% | 91 |
| Retained earnings to average equity (ytd only) | 1.4179% | 5,129 |
| Net charge-offs to loans | -0.0109% | 5,575 |
| Credit loss provision to net charge-offs | -666.6667% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7312% | 6,154 |
| Assets per employee ($millions) | 4.8968% | 2,459 |
| Cash dividends to net income (ytd only)* | 94.5537% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 3,754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 74.0780% | 1,571 |
| Net loans and leases to deposits | 85.7390% | 2,019 |
| Net loans and leases to core deposits | 93.0906% | 1,984 |
| Total domestic deposits to total assets | 86.3994% | 2,620 |
| Equity capital to assets | 8.9911% | 5,301 |
| Core capital (leverage) ratio | 8.5982% | 5,449 |
| Tier 1 risk-based capital ratio | 11.5016% | 5,663 |
| Total risk-based capital ratio | 12.7515% | 5,578 |
| Memoranda: | ||
| Average total assets | $112,783,000 | 4,325 |
| Average earning assets | $106,015,000 | 4,268 |
| Average equity | $10,156,200 | 4,723 |
| Average total loans | $82,637,800 | 3,802 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9710% | 810 |
| Cost of funding earning assets | 0.4541% | 3,196 |
| Net interest margin | 4.5169% | 712 |
| Noninterest income to average assets | 0.4071% | 4,190 |
| Noninterest expense to average assets | 2.2831% | 5,149 |
| Loan and lease loss provision to assets | 0.0544% | 3,287 |
| Net operating income to assets | 2.3556% | 179 |
| Return on assets (ROA) | 2.3556% | 183 |
| Pretax return on assets | 2.3109% | 296 |
| Return on Equity (ROE) | 26.1471% | 85 |
| Retained earnings to average equity (ytd only) | -2.4135% | 6,107 |
| Net charge-offs to loans | -0.0133% | 5,498 |
| Credit loss provision to net charge-offs | -562.5000% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1164% | 6,143 |
| Assets per employee ($millions) | 4.5962% | 2,816 |
| Cash dividends to net income (ytd only)* | 109.2306% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 3,629 |
| Loan loss allowance to noncurrent loans | 2,343.7500% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 6,002 |
| Noncurrent loans to loans | 0.0556% | 5,793 |
| Net loans and leases to total assets | 74.1693% | 1,502 |
| Net loans and leases to deposits | 86.8703% | 1,809 |
| Net loans and leases to core deposits | 94.4290% | 1,815 |
| Total domestic deposits to total assets | 85.3794% | 3,173 |
| Equity capital to assets | 9.1788% | 5,171 |
| Core capital (leverage) ratio | 8.7951% | 5,348 |
| Tier 1 risk-based capital ratio | 11.8881% | 5,564 |
| Total risk-based capital ratio | 13.1388% | 5,485 |
| Memoranda: | ||
| Average total assets | $110,373,500 | 4,414 |
| Average earning assets | $103,639,000 | 4,356 |
| Average equity | $9,943,500 | 4,801 |
| Average total loans | $80,340,250 | 3,891 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 826 |
| Cost of funding earning assets | 0.4578% | 3,233 |
| Net interest margin | 4.4873% | 725 |
| Noninterest income to average assets | 0.3950% | 4,277 |
| Noninterest expense to average assets | 2.3001% | 5,155 |
| Loan and lease loss provision to assets | 0.0551% | 3,196 |
| Net operating income to assets | 2.3406% | 180 |
| Return on assets (ROA) | 2.3406% | 186 |
| Pretax return on assets | 2.2358% | 337 |
| Return on Equity (ROE) | 26.1539% | 91 |
| Retained earnings to average equity (ytd only) | -7.8215% | 6,368 |
| Net charge-offs to loans | -0.0128% | 5,395 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1000% | 6,167 |
| Assets per employee ($millions) | 4.3971% | 3,090 |
| Cash dividends to net income (ytd only)* | 129.9058% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 3,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 73.3796% | 1,523 |
| Net loans and leases to deposits | 86.6209% | 1,758 |
| Net loans and leases to core deposits | 93.7212% | 1,800 |
| Total domestic deposits to total assets | 84.7135% | 3,631 |
| Equity capital to assets | 9.3053% | 4,976 |
| Core capital (leverage) ratio | 9.0461% | 4,950 |
| Tier 1 risk-based capital ratio | 12.1837% | 5,434 |
| Total risk-based capital ratio | 13.4347% | 5,349 |
| Memoranda: | ||
| Average total assets | $108,862,670 | 4,470 |
| Average earning assets | $101,798,670 | 4,417 |
| Average equity | $9,742,330 | 4,856 |
| Average total loans | $78,337,000 | 3,963 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 835 |
| Cost of funding earning assets | 0.4616% | 3,296 |
| Net interest margin | 4.4611% | 709 |
| Noninterest income to average assets | 0.4062% | 4,134 |
| Noninterest expense to average assets | 2.3742% | 4,997 |
| Loan and lease loss provision to assets | 0.0554% | 3,006 |
| Net operating income to assets | 2.3927% | 178 |
| Return on assets (ROA) | 2.3927% | 188 |
| Pretax return on assets | 2.1157% | 419 |
| Return on Equity (ROE) | 27.2871% | 90 |
| Retained earnings to average equity (ytd only) | -20.2969% | 6,536 |
| Net charge-offs to loans | -0.0157% | 5,227 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2340% | 6,122 |
| Assets per employee ($millions) | 4.5144% | 2,952 |
| Cash dividends to net income (ytd only)* | 174.3827% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 3,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 68.6760% | 2,118 |
| Net loans and leases to deposits | 79.4234% | 2,376 |
| Net loans and leases to core deposits | 85.8916% | 2,329 |
| Total domestic deposits to total assets | 86.4682% | 3,129 |
| Equity capital to assets | 9.0286% | 5,089 |
| Core capital (leverage) ratio | 8.9067% | 5,128 |
| Tier 1 risk-based capital ratio | 12.8388% | 5,100 |
| Total risk-based capital ratio | 14.0915% | 5,043 |
| Memoranda: | ||
| Average total assets | $108,330,500 | 4,525 |
| Average earning assets | $100,514,000 | 4,496 |
| Average equity | $9,499,000 | 4,934 |
| Average total loans | $76,620,000 | 4,046 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3137% | 512 |
| Cost of funding earning assets | 0.5086% | 3,519 |
| Net interest margin | 4.8051% | 427 |
| Noninterest income to average assets | 0.6858% | 2,623 |
| Noninterest expense to average assets | 2.1142% | 5,799 |
| Loan and lease loss provision to assets | 0.1545% | 2,342 |
| Net operating income to assets | 2.9246% | 114 |
| Return on assets (ROA) | 2.9246% | 113 |
| Pretax return on assets | 2.9062% | 135 |
| Return on Equity (ROE) | 31.7281% | 62 |
| Retained earnings to average equity (ytd only) | 9.4094% | 677 |
| Net charge-offs to loans | -0.0417% | 6,293 |
| Credit loss provision to net charge-offs | -516.1290% | 6,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8548% | 6,675 |
| Assets per employee ($millions) | 4.5132% | 2,878 |
| Cash dividends to net income (ytd only)* | 70.3435% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 3,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.7846% | 1,885 |
| Net loans and leases to deposits | 81.4073% | 2,261 |
| Net loans and leases to core deposits | 87.9951% | 2,245 |
| Total domestic deposits to total assets | 86.9511% | 2,750 |
| Equity capital to assets | 8.5084% | 5,569 |
| Core capital (leverage) ratio | 8.9132% | 5,128 |
| Tier 1 risk-based capital ratio | 12.1421% | 5,531 |
| Total risk-based capital ratio | 13.3935% | 5,467 |
| Memoranda: | ||
| Average total assets | $103,536,000 | 4,660 |
| Average earning assets | $96,730,800 | 4,598 |
| Average equity | $9,543,600 | 4,959 |
| Average total loans | $74,358,400 | 4,113 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4490% | 404 |
| Cost of funding earning assets | 0.5231% | 3,538 |
| Net interest margin | 4.9260% | 356 |
| Noninterest income to average assets | 0.7231% | 2,497 |
| Noninterest expense to average assets | 2.0715% | 5,887 |
| Loan and lease loss provision to assets | 0.1628% | 2,220 |
| Net operating income to assets | 3.1502% | 95 |
| Return on assets (ROA) | 3.1502% | 96 |
| Pretax return on assets | 3.1020% | 126 |
| Return on Equity (ROE) | 33.4935% | 51 |
| Retained earnings to average equity (ytd only) | 12.3003% | 390 |
| Net charge-offs to loans | -0.0526% | 6,333 |
| Credit loss provision to net charge-offs | -431.0345% | 6,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8184% | 6,773 |
| Assets per employee ($millions) | 4.4188% | 3,018 |
| Cash dividends to net income (ytd only)* | 63.2755% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 3,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.8678% | 1,471 |
| Net loans and leases to deposits | 85.4718% | 1,677 |
| Net loans and leases to core deposits | 93.0434% | 1,665 |
| Total domestic deposits to total assets | 85.2537% | 3,607 |
| Equity capital to assets | 9.1881% | 4,953 |
| Core capital (leverage) ratio | 9.0581% | 5,031 |
| Tier 1 risk-based capital ratio | 12.6988% | 5,324 |
| Total risk-based capital ratio | 13.9508% | 5,269 |
| Memoranda: | ||
| Average total assets | $102,341,000 | 4,731 |
| Average earning assets | $95,843,500 | 4,669 |
| Average equity | $9,625,500 | 4,996 |
| Average total loans | $73,512,250 | 4,178 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 971 |
| Cost of funding earning assets | 0.5329% | 3,577 |
| Net interest margin | 4.4302% | 802 |
| Noninterest income to average assets | 0.7526% | 2,400 |
| Noninterest expense to average assets | 2.0394% | 5,973 |
| Loan and lease loss provision to assets | 0.1560% | 2,366 |
| Net operating income to assets | 2.8193% | 126 |
| Return on assets (ROA) | 2.8193% | 130 |
| Pretax return on assets | 2.6907% | 208 |
| Return on Equity (ROE) | 29.7490% | 72 |
| Retained earnings to average equity (ytd only) | 13.9076% | 306 |
| Net charge-offs to loans | -0.0411% | 6,201 |
| Credit loss provision to net charge-offs | -533.3333% | 5,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7398% | 6,763 |
| Assets per employee ($millions) | 5.1778% | 1,903 |
| Cash dividends to net income (ytd only)* | 53.2503% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 71.0813% | 1,714 |
| Net loans and leases to deposits | 82.5500% | 1,984 |
| Net loans and leases to core deposits | 90.7398% | 1,836 |
| Total domestic deposits to total assets | 86.1070% | 3,306 |
| Equity capital to assets | 9.1564% | 5,039 |
| Core capital (leverage) ratio | 8.7076% | 5,410 |
| Tier 1 risk-based capital ratio | 11.3791% | 6,166 |
| Total risk-based capital ratio | 12.5171% | 6,183 |
| Memoranda: | ||
| Average total assets | $102,577,330 | 4,757 |
| Average earning assets | $95,706,000 | 4,703 |
| Average equity | $9,721,330 | 5,004 |
| Average total loans | $72,985,670 | 4,210 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 1,023 |
| Cost of funding earning assets | 0.5501% | 3,567 |
| Net interest margin | 4.3716% | 844 |
| Noninterest income to average assets | 0.8581% | 1,903 |
| Noninterest expense to average assets | 2.0766% | 5,963 |
| Loan and lease loss provision to assets | 0.1371% | 2,528 |
| Net operating income to assets | 2.6213% | 140 |
| Return on assets (ROA) | 2.6213% | 149 |
| Pretax return on assets | 2.7231% | 205 |
| Return on Equity (ROE) | 27.1924% | 100 |
| Retained earnings to average equity (ytd only) | 16.2179% | 261 |
| Net charge-offs to loans | -0.0111% | 5,482 |
| Credit loss provision to net charge-offs | -1,750.0000% | 5,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0635% | 6,838 |
| Assets per employee ($millions) | 5.1030% | 2,092 |
| Cash dividends to net income (ytd only)* | 40.3587% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 71.0667% | 1,509 |
| Net loans and leases to deposits | 83.3027% | 1,666 |
| Net loans and leases to core deposits | 91.7869% | 1,525 |
| Total domestic deposits to total assets | 85.3114% | 3,890 |
| Equity capital to assets | 9.7836% | 4,450 |
| Core capital (leverage) ratio | 8.5669% | 5,485 |
| Tier 1 risk-based capital ratio | 11.2099% | 6,307 |
| Total risk-based capital ratio | 12.3670% | 6,330 |
| Memoranda: | ||
| Average total assets | $102,088,000 | 4,807 |
| Average earning assets | $95,251,000 | 4,756 |
| Average equity | $9,841,000 | 5,022 |
| Average total loans | $72,186,000 | 4,265 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 2,007 |
| Cost of funding earning assets | 0.6322% | 4,078 |
| Net interest margin | 4.2217% | 1,598 |
| Noninterest income to average assets | 0.7679% | 2,406 |
| Noninterest expense to average assets | 2.1488% | 6,026 |
| Loan and lease loss provision to assets | 0.0780% | 4,732 |
| Net operating income to assets | 2.4317% | 171 |
| Return on assets (ROA) | 2.9895% | 102 |
| Pretax return on assets | 3.0572% | 136 |
| Return on Equity (ROE) | 31.1072% | 58 |
| Retained earnings to average equity (ytd only) | 9.3982% | 721 |
| Net charge-offs to loans | -0.0064% | 6,411 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5749% | 6,796 |
| Assets per employee ($millions) | 5.1059% | 2,089 |
| Cash dividends to net income (ytd only)* | 69.7877% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 4,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 68.5909% | 2,087 |
| Net loans and leases to deposits | 80.1178% | 2,267 |
| Net loans and leases to core deposits | 88.7947% | 1,996 |
| Total domestic deposits to total assets | 85.6126% | 3,551 |
| Equity capital to assets | 9.4960% | 4,878 |
| Core capital (leverage) ratio | 8.5055% | 5,601 |
| Tier 1 risk-based capital ratio | 11.1344% | 6,299 |
| Total risk-based capital ratio | 12.2893% | 6,302 |
| Memoranda: | ||
| Average total assets | $96,101,800 | 4,936 |
| Average earning assets | $89,844,800 | 4,875 |
| Average equity | $9,235,800 | 5,160 |
| Average total loans | $62,086,000 | 4,631 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 2,307 |
| Cost of funding earning assets | 0.6534% | 4,168 |
| Net interest margin | 4.1686% | 1,833 |
| Noninterest income to average assets | 0.7879% | 2,291 |
| Noninterest expense to average assets | 2.1734% | 6,004 |
| Loan and lease loss provision to assets | 0.0634% | 4,918 |
| Net operating income to assets | 2.4114% | 203 |
| Return on assets (ROA) | 3.1642% | 98 |
| Pretax return on assets | 3.2220% | 127 |
| Return on Equity (ROE) | 32.8190% | 48 |
| Retained earnings to average equity (ytd only) | 9.7945% | 969 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3341% | 6,803 |
| Assets per employee ($millions) | 4.7729% | 2,501 |
| Cash dividends to net income (ytd only)* | 70.1560% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 66.3035% | 2,598 |
| Net loans and leases to deposits | 78.2861% | 2,623 |
| Net loans and leases to core deposits | 87.5360% | 2,271 |
| Total domestic deposits to total assets | 84.6938% | 3,893 |
| Equity capital to assets | 9.8944% | 4,647 |
| Core capital (leverage) ratio | 8.6246% | 5,591 |
| Tier 1 risk-based capital ratio | 11.9806% | 5,946 |
| Total risk-based capital ratio | 13.2038% | 5,948 |
| Memoranda: | ||
| Average total assets | $94,598,000 | 5,023 |
| Average earning assets | $88,565,500 | 4,955 |
| Average equity | $9,120,500 | 5,237 |
| Average total loans | $59,876,500 | 4,769 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 2,833 |
| Cost of funding earning assets | 0.6659% | 4,311 |
| Net interest margin | 4.0561% | 2,264 |
| Noninterest income to average assets | 0.7974% | 2,195 |
| Noninterest expense to average assets | 2.1503% | 6,122 |
| Loan and lease loss provision to assets | 0.0636% | 4,852 |
| Net operating income to assets | 2.3984% | 203 |
| Return on assets (ROA) | 2.5024% | 202 |
| Pretax return on assets | 2.4981% | 301 |
| Return on Equity (ROE) | 26.1863% | 130 |
| Retained earnings to average equity (ytd only) | 12.0945% | 565 |
| Net charge-offs to loans | 0.2155% | 3,286 |
| Credit loss provision to net charge-offs | 47.6190% | 4,092 |
| Earnings coverage of net charge-offs (x) | 18.3968% | 1,488 |
| Efficiency ratio | 46.6636% | 6,849 |
| Assets per employee ($millions) | 5.0548% | 2,100 |
| Cash dividends to net income (ytd only)* | 53.8136% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 5,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 62.6535% | 3,294 |
| Net loans and leases to deposits | 75.3462% | 3,072 |
| Net loans and leases to core deposits | 80.9615% | 3,090 |
| Total domestic deposits to total assets | 83.1541% | 4,695 |
| Equity capital to assets | 9.9884% | 4,356 |
| Core capital (leverage) ratio | 8.6826% | 5,403 |
| Tier 1 risk-based capital ratio | 12.1500% | 5,833 |
| Total risk-based capital ratio | 13.2935% | 5,880 |
| Memoranda: | ||
| Average total assets | $94,311,330 | 5,062 |
| Average earning assets | $88,608,330 | 4,978 |
| Average equity | $9,012,330 | 5,263 |
| Average total loans | $58,455,670 | 4,854 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 2,400 |
| Cost of funding earning assets | 0.6975% | 4,304 |
| Net interest margin | 4.1622% | 1,886 |
| Noninterest income to average assets | 0.6378% | 3,005 |
| Noninterest expense to average assets | 2.2216% | 5,991 |
| Loan and lease loss provision to assets | 0.0642% | 4,622 |
| Net operating income to assets | 2.2002% | 293 |
| Return on assets (ROA) | 2.2002% | 349 |
| Pretax return on assets | 2.2858% | 465 |
| Return on Equity (ROE) | 23.5726% | 224 |
| Retained earnings to average equity (ytd only) | 14.6297% | 492 |
| Net charge-offs to loans | -0.1748% | 6,958 |
| Credit loss provision to net charge-offs | -60.0000% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5955% | 6,762 |
| Assets per employee ($millions) | 4.6347% | 2,757 |
| Cash dividends to net income (ytd only)* | 37.9377% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 4,258 |
| Loan loss allowance to noncurrent loans | 111.0818% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 4,901 |
| Noncurrent loans to loans | 1.3318% | 4,119 |
| Net loans and leases to total assets | 60.4937% | 3,559 |
| Net loans and leases to deposits | 71.6775% | 3,480 |
| Net loans and leases to core deposits | 78.7645% | 3,217 |
| Total domestic deposits to total assets | 84.3970% | 4,321 |
| Equity capital to assets | 9.6177% | 4,628 |
| Core capital (leverage) ratio | 8.3657% | 5,785 |
| Tier 1 risk-based capital ratio | 12.2805% | 5,776 |
| Total risk-based capital ratio | 13.5310% | 5,735 |
| Memoranda: | ||
| Average total assets | $93,446,500 | 5,112 |
| Average earning assets | $88,319,500 | 5,013 |
| Average equity | $8,722,000 | 5,351 |
| Average total loans | $57,212,500 | 4,934 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 2,785 |
| Cost of funding earning assets | 0.8994% | 4,118 |
| Net interest margin | 4.1231% | 2,339 |
| Noninterest income to average assets | 0.6175% | 3,075 |
| Noninterest expense to average assets | 2.1853% | 6,301 |
| Loan and lease loss provision to assets | 0.0665% | 5,780 |
| Net operating income to assets | 2.2928% | 192 |
| Return on assets (ROA) | 2.2828% | 207 |
| Pretax return on assets | 2.2695% | 322 |
| Return on Equity (ROE) | 29.1503% | 48 |
| Retained earnings to average equity (ytd only) | 10.3633% | 500 |
| Net charge-offs to loans | -0.0076% | 6,864 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2261% | 6,935 |
| Assets per employee ($millions) | 4.7100% | 2,583 |
| Cash dividends to net income (ytd only)* | 64.4488% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 4,487 |
| Loan loss allowance to noncurrent loans | 97.9243% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 4,889 |
| Noncurrent loans to loans | 1.4241% | 4,027 |
| Net loans and leases to total assets | 60.1992% | 3,953 |
| Net loans and leases to deposits | 71.7392% | 3,836 |
| Net loans and leases to core deposits | 79.6827% | 3,487 |
| Total domestic deposits to total assets | 83.9138% | 4,343 |
| Equity capital to assets | 9.0542% | 5,490 |
| Core capital (leverage) ratio | 8.0641% | 6,185 |
| Tier 1 risk-based capital ratio | 11.6716% | 6,039 |
| Total risk-based capital ratio | 12.8991% | 6,045 |
| Memoranda: | ||
| Average total assets | $90,195,400 | 5,177 |
| Average earning assets | $85,614,200 | 5,065 |
| Average equity | $7,063,400 | 5,847 |
| Average total loans | $52,663,200 | 5,167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1399% | 2,428 |
| Cost of funding earning assets | 0.9513% | 4,035 |
| Net interest margin | 4.1886% | 2,149 |
| Noninterest income to average assets | 0.6009% | 3,155 |
| Noninterest expense to average assets | 2.2273% | 6,218 |
| Loan and lease loss provision to assets | 0.0598% | 5,694 |
| Net operating income to assets | 2.3424% | 197 |
| Return on assets (ROA) | 2.3289% | 218 |
| Pretax return on assets | 2.2826% | 365 |
| Return on Equity (ROE) | 31.0181% | 47 |
| Retained earnings to average equity (ytd only) | 15.7678% | 191 |
| Net charge-offs to loans | -0.0052% | 6,718 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5975% | 6,914 |
| Assets per employee ($millions) | 4.4061% | 3,068 |
| Cash dividends to net income (ytd only)* | 49.1657% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 4,277 |
| Loan loss allowance to noncurrent loans | 95.3545% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9283% | 4,895 |
| Noncurrent loans to loans | 1.5333% | 3,982 |
| Net loans and leases to total assets | 59.6548% | 4,199 |
| Net loans and leases to deposits | 70.7790% | 4,168 |
| Net loans and leases to core deposits | 79.0012% | 3,775 |
| Total domestic deposits to total assets | 84.2832% | 4,108 |
| Equity capital to assets | 9.7796% | 4,653 |
| Core capital (leverage) ratio | 8.4832% | 5,734 |
| Tier 1 risk-based capital ratio | 12.9495% | 5,138 |
| Total risk-based capital ratio | 14.1998% | 5,101 |
| Memoranda: | ||
| Average total assets | $89,194,500 | 5,242 |
| Average earning assets | $84,798,500 | 5,132 |
| Average equity | $6,697,000 | 6,001 |
| Average total loans | $51,451,750 | 5,256 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1068% | 2,649 |
| Cost of funding earning assets | 1.0021% | 3,932 |
| Net interest margin | 4.1047% | 2,392 |
| Noninterest income to average assets | 0.5181% | 3,724 |
| Noninterest expense to average assets | 2.2222% | 6,323 |
| Loan and lease loss provision to assets | 0.0447% | 5,751 |
| Net operating income to assets | 2.2758% | 229 |
| Return on assets (ROA) | 2.2557% | 255 |
| Pretax return on assets | 2.1373% | 458 |
| Return on Equity (ROE) | 33.3517% | 52 |
| Retained earnings to average equity (ytd only) | 18.1288% | 136 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2272% | 6,923 |
| Assets per employee ($millions) | 5.0487% | 2,061 |
| Cash dividends to net income (ytd only)* | 45.6436% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 4,413 |
| Loan loss allowance to noncurrent loans | 94.1687% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 5,102 |
| Noncurrent loans to loans | 1.5254% | 4,133 |
| Net loans and leases to total assets | 57.3082% | 4,766 |
| Net loans and leases to deposits | 68.2775% | 4,660 |
| Net loans and leases to core deposits | 75.9904% | 4,317 |
| Total domestic deposits to total assets | 83.9343% | 4,378 |
| Equity capital to assets | 7.9459% | 6,716 |
| Core capital (leverage) ratio | 8.2149% | 6,010 |
| Tier 1 risk-based capital ratio | 11.8766% | 5,879 |
| Total risk-based capital ratio | 13.0879% | 5,886 |
| Memoranda: | ||
| Average total assets | $89,552,000 | 5,272 |
| Average earning assets | $85,220,330 | 5,151 |
| Average equity | $6,056,670 | 6,222 |
| Average total loans | $50,819,330 | 5,320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 2,629 |
| Cost of funding earning assets | 1.0646% | 3,753 |
| Net interest margin | 4.0396% | 2,518 |
| Noninterest income to average assets | 0.5220% | 3,710 |
| Noninterest expense to average assets | 2.2365% | 6,336 |
| Loan and lease loss provision to assets | 0.0675% | 5,148 |
| Net operating income to assets | 1.9665% | 367 |
| Return on assets (ROA) | 1.9665% | 383 |
| Pretax return on assets | 2.0430% | 520 |
| Return on Equity (ROE) | 31.9299% | 65 |
| Retained earnings to average equity (ytd only) | 18.7780% | 205 |
| Net charge-offs to loans | 0.0161% | 4,854 |
| Credit loss provision to net charge-offs | 750.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 234.5000% | 132 |
| Efficiency ratio | 51.4493% | 6,892 |
| Assets per employee ($millions) | 4.7826% | 2,452 |
| Cash dividends to net income (ytd only)* | 41.1899% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 4,034 |
| Loan loss allowance to noncurrent loans | 93.1762% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 4,745 |
| Noncurrent loans to loans | 1.6457% | 4,013 |
| Net loans and leases to total assets | 53.0692% | 5,440 |
| Net loans and leases to deposits | 60.5586% | 5,667 |
| Net loans and leases to core deposits | 67.0803% | 5,395 |
| Total domestic deposits to total assets | 87.6329% | 2,591 |
| Equity capital to assets | 6.4103% | 7,235 |
| Core capital (leverage) ratio | 7.8508% | 6,418 |
| Tier 1 risk-based capital ratio | 13.3850% | 4,515 |
| Total risk-based capital ratio | 14.6374% | 4,494 |
| Memoranda: | ||
| Average total assets | $88,889,500 | 5,322 |
| Average earning assets | $84,166,500 | 5,222 |
| Average equity | $5,474,500 | 6,397 |
| Average total loans | $49,809,500 | 5,401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5152% | 2,219 |
| Cost of funding earning assets | 1.2073% | 4,514 |
| Net interest margin | 4.3079% | 1,794 |
| Noninterest income to average assets | 0.7636% | 2,468 |
| Noninterest expense to average assets | 2.3760% | 6,151 |
| Loan and lease loss provision to assets | 0.1946% | 5,288 |
| Net operating income to assets | 2.2506% | 169 |
| Return on assets (ROA) | 2.4782% | 121 |
| Pretax return on assets | 2.5013% | 186 |
| Return on Equity (ROE) | 33.7038% | 26 |
| Retained earnings to average equity (ytd only) | 9.3603% | 631 |
| Net charge-offs to loans | 0.0504% | 6,294 |
| Credit loss provision to net charge-offs | 615.3846% | 347 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 311 |
| Efficiency ratio | 49.0708% | 7,199 |
| Assets per employee ($millions) | 4.5742% | 2,748 |
| Cash dividends to net income (ytd only)* | 72.2277% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 4,241 |
| Loan loss allowance to noncurrent loans | 91.5633% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 4,736 |
| Noncurrent loans to loans | 1.5915% | 4,111 |
| Net loans and leases to total assets | 57.4233% | 5,124 |
| Net loans and leases to deposits | 65.3528% | 5,474 |
| Net loans and leases to core deposits | 72.7143% | 5,137 |
| Total domestic deposits to total assets | 87.8666% | 2,331 |
| Equity capital to assets | 5.8958% | 7,354 |
| Core capital (leverage) ratio | 7.8037% | 6,433 |
| Tier 1 risk-based capital ratio | 11.3052% | 6,087 |
| Total risk-based capital ratio | 12.5156% | 6,103 |
| Memoranda: | ||
| Average total assets | $82,238,200 | 5,521 |
| Average earning assets | $77,857,400 | 5,414 |
| Average equity | $6,046,800 | 6,343 |
| Average total loans | $51,618,600 | 5,420 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6015% | 2,051 |
| Cost of funding earning assets | 1.2533% | 4,550 |
| Net interest margin | 4.3482% | 1,685 |
| Noninterest income to average assets | 0.7072% | 2,785 |
| Noninterest expense to average assets | 2.3979% | 6,044 |
| Loan and lease loss provision to assets | 0.1891% | 5,154 |
| Net operating income to assets | 2.2515% | 216 |
| Return on assets (ROA) | 2.2515% | 229 |
| Pretax return on assets | 2.2285% | 384 |
| Return on Equity (ROE) | 29.0767% | 60 |
| Retained earnings to average equity (ytd only) | 5.6921% | 2,551 |
| Net charge-offs to loans | 0.0257% | 6,314 |
| Credit loss provision to net charge-offs | 1,150.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 147.0330% | 216 |
| Efficiency ratio | 49.7951% | 7,169 |
| Assets per employee ($millions) | 4.4713% | 2,955 |
| Cash dividends to net income (ytd only)* | 80.4234% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 4,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 6,946 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 61.0448% | 4,708 |
| Net loans and leases to deposits | 71.5310% | 4,903 |
| Net loans and leases to core deposits | 80.0692% | 4,509 |
| Total domestic deposits to total assets | 85.3403% | 3,438 |
| Equity capital to assets | 8.2245% | 6,583 |
| Core capital (leverage) ratio | 7.8614% | 6,507 |
| Tier 1 risk-based capital ratio | 11.5102% | 5,924 |
| Total risk-based capital ratio | 12.7476% | 5,924 |
| Memoranda: | ||
| Average total assets | $81,070,500 | 5,636 |
| Average earning assets | $76,596,500 | 5,527 |
| Average equity | $6,277,500 | 6,367 |
| Average total loans | $51,862,250 | 5,486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6410% | 1,978 |
| Cost of funding earning assets | 1.2883% | 4,606 |
| Net interest margin | 4.3527% | 1,580 |
| Noninterest income to average assets | 0.7195% | 2,579 |
| Noninterest expense to average assets | 2.3741% | 6,132 |
| Loan and lease loss provision to assets | 0.2006% | 4,863 |
| Net operating income to assets | 2.3491% | 180 |
| Return on assets (ROA) | 2.3491% | 194 |
| Pretax return on assets | 2.2613% | 362 |
| Return on Equity (ROE) | 31.0214% | 52 |
| Retained earnings to average equity (ytd only) | 1.5560% | 5,084 |
| Net charge-offs to loans | 0.0542% | 5,620 |
| Credit loss provision to net charge-offs | 571.4286% | 650 |
| Earnings coverage of net charge-offs (x) | 70.1429% | 447 |
| Efficiency ratio | 49.0928% | 7,280 |
| Assets per employee ($millions) | 4.2793% | 3,254 |
| Cash dividends to net income (ytd only)* | 94.9840% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 4,733 |
| Loan loss allowance to noncurrent loans | 482.0144% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 6,959 |
| Noncurrent loans to loans | 0.2779% | 6,675 |
| Net loans and leases to total assets | 60.6848% | 4,933 |
| Net loans and leases to deposits | 71.0781% | 5,133 |
| Net loans and leases to core deposits | 78.5085% | 4,868 |
| Total domestic deposits to total assets | 85.3776% | 3,428 |
| Equity capital to assets | 7.9636% | 6,792 |
| Core capital (leverage) ratio | 7.8810% | 6,409 |
| Tier 1 risk-based capital ratio | 11.6174% | 5,661 |
| Total risk-based capital ratio | 12.8386% | 5,647 |
| Memoranda: | ||
| Average total assets | $79,776,000 | 5,706 |
| Average earning assets | $75,447,670 | 5,592 |
| Average equity | $6,041,000 | 6,454 |
| Average total loans | $51,626,670 | 5,536 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7220% | 1,696 |
| Cost of funding earning assets | 1.2728% | 4,981 |
| Net interest margin | 4.4493% | 1,255 |
| Noninterest income to average assets | 0.7189% | 2,475 |
| Noninterest expense to average assets | 2.4301% | 5,982 |
| Loan and lease loss provision to assets | 0.2278% | 4,219 |
| Net operating income to assets | 2.1617% | 264 |
| Return on assets (ROA) | 2.1617% | 290 |
| Pretax return on assets | 2.2731% | 370 |
| Return on Equity (ROE) | 29.3269% | 94 |
| Retained earnings to average equity (ytd only) | -15.3159% | 7,222 |
| Net charge-offs to loans | 0.1068% | 4,361 |
| Credit loss provision to net charge-offs | 321.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 35.2857% | 773 |
| Efficiency ratio | 49.2813% | 7,361 |
| Assets per employee ($millions) | 4.2218% | 3,424 |
| Cash dividends to net income (ytd only)* | 152.2248% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,240 |
| Loan loss allowance to noncurrent loans | 488.4615% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 7,071 |
| Noncurrent loans to loans | 0.2551% | 6,825 |
| Net loans and leases to total assets | 62.7264% | 4,608 |
| Net loans and leases to deposits | 73.0944% | 4,886 |
| Net loans and leases to core deposits | 80.8068% | 4,659 |
| Total domestic deposits to total assets | 85.8156% | 3,252 |
| Equity capital to assets | 7.3777% | 7,160 |
| Core capital (leverage) ratio | 7.8026% | 6,501 |
| Tier 1 risk-based capital ratio | 10.8788% | 6,264 |
| Total risk-based capital ratio | 12.0107% | 6,367 |
| Memoranda: | ||
| Average total assets | $79,010,500 | 5,795 |
| Average earning assets | $74,798,500 | 5,679 |
| Average equity | $5,824,000 | 6,581 |
| Average total loans | $52,434,500 | 5,560 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0869% | 1,556 |
| Cost of funding earning assets | 1.5153% | 5,456 |
| Net interest margin | 4.5716% | 1,036 |
| Noninterest income to average assets | 0.9062% | 1,921 |
| Noninterest expense to average assets | 2.5952% | 5,816 |
| Loan and lease loss provision to assets | 0.3016% | 5,020 |
| Net operating income to assets | 2.2516% | 131 |
| Return on assets (ROA) | 2.2516% | 141 |
| Pretax return on assets | 2.2754% | 237 |
| Return on Equity (ROE) | 27.7116% | 63 |
| Retained earnings to average equity (ytd only) | 0.4834% | 4,636 |
| Net charge-offs to loans | 0.2842% | 4,856 |
| Credit loss provision to net charge-offs | 158.0882% | 2,842 |
| Earnings coverage of net charge-offs (x) | 13.5074% | 1,425 |
| Efficiency ratio | 50.1763% | 7,528 |
| Assets per employee ($millions) | 4.0951% | 3,627 |
| Cash dividends to net income (ytd only)* | 98.2555% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.5217% | 3,587 |
| Net loans and leases to deposits | 84.0769% | 3,254 |
| Net loans and leases to core deposits | 100.5716% | 3,940 |
| Total domestic deposits to total assets | 81.4989% | 5,154 |
| Equity capital to assets | 7.3645% | 7,152 |
| Core capital (leverage) ratio | 8.3487% | 5,537 |
| Tier 1 risk-based capital ratio | 10.4751% | 6,419 |
| Total risk-based capital ratio | 11.4752% | 6,632 |
| Memoranda: | ||
| Average total assets | $71,284,200 | 5,961 |
| Average earning assets | $66,520,000 | 5,915 |
| Average equity | $5,791,800 | 6,677 |
| Average total loans | $47,846,000 | 5,766 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1106% | 1,611 |
| Cost of funding earning assets | 1.5662% | 5,560 |
| Net interest margin | 4.5443% | 1,083 |
| Noninterest income to average assets | 0.9456% | 1,794 |
| Noninterest expense to average assets | 2.6205% | 5,640 |
| Loan and lease loss provision to assets | 0.2584% | 4,889 |
| Net operating income to assets | 2.3009% | 151 |
| Return on assets (ROA) | 2.3009% | 165 |
| Pretax return on assets | 2.2932% | 294 |
| Return on Equity (ROE) | 27.5971% | 83 |
| Retained earnings to average equity (ytd only) | -5.1658% | 6,279 |
| Net charge-offs to loans | 0.2993% | 4,156 |
| Credit loss provision to net charge-offs | 129.8077% | 3,861 |
| Earnings coverage of net charge-offs (x) | 12.8176% | 1,725 |
| Efficiency ratio | 50.6662% | 7,507 |
| Assets per employee ($millions) | 3.6592% | 4,519 |
| Cash dividends to net income (ytd only)* | 118.7186% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.9336% | 4,202 |
| Net loans and leases to deposits | 79.2467% | 4,525 |
| Net loans and leases to core deposits | 94.4543% | 4,977 |
| Total domestic deposits to total assets | 84.4622% | 3,497 |
| Equity capital to assets | 8.0838% | 6,765 |
| Core capital (leverage) ratio | 8.4176% | 5,642 |
| Tier 1 risk-based capital ratio | 10.8497% | 6,106 |
| Total risk-based capital ratio | 11.8429% | 6,325 |
| Memoranda: | ||
| Average total assets | $69,653,750 | 6,052 |
| Average earning assets | $64,782,500 | 6,013 |
| Average equity | $5,807,250 | 6,730 |
| Average total loans | $46,328,000 | 5,871 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1949% | 1,475 |
| Cost of funding earning assets | 1.5951% | 5,764 |
| Net interest margin | 4.5998% | 951 |
| Noninterest income to average assets | 1.0281% | 1,508 |
| Noninterest expense to average assets | 2.5877% | 5,787 |
| Loan and lease loss provision to assets | 0.2337% | 4,720 |
| Net operating income to assets | 2.3541% | 144 |
| Return on assets (ROA) | 2.3541% | 160 |
| Pretax return on assets | 2.4767% | 224 |
| Return on Equity (ROE) | 27.9328% | 92 |
| Retained earnings to average equity (ytd only) | -11.8524% | 7,046 |
| Net charge-offs to loans | 0.1370% | 4,797 |
| Credit loss provision to net charge-offs | 258.0645% | 1,800 |
| Earnings coverage of net charge-offs (x) | 29.9355% | 1,001 |
| Efficiency ratio | 48.8423% | 7,723 |
| Assets per employee ($millions) | 3.6809% | 4,372 |
| Cash dividends to net income (ytd only)* | 142.4318% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6005% | 5,917 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.8916% | 4,379 |
| Net loans and leases to deposits | 79.1078% | 4,684 |
| Net loans and leases to core deposits | 93.4967% | 5,174 |
| Total domestic deposits to total assets | 84.5575% | 3,473 |
| Equity capital to assets | 7.5082% | 7,254 |
| Core capital (leverage) ratio | 8.5792% | 5,300 |
| Tier 1 risk-based capital ratio | 10.7182% | 6,169 |
| Total risk-based capital ratio | 11.7512% | 6,323 |
| Memoranda: | ||
| Average total assets | $68,477,330 | 6,132 |
| Average earning assets | $63,568,000 | 6,088 |
| Average equity | $5,771,000 | 6,804 |
| Average total loans | $45,257,330 | 5,975 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3949% | 1,074 |
| Cost of funding earning assets | 1.6225% | 5,935 |
| Net interest margin | 4.7724% | 643 |
| Noninterest income to average assets | 0.8502% | 2,081 |
| Noninterest expense to average assets | 2.5979% | 5,456 |
| Loan and lease loss provision to assets | 0.2066% | 4,379 |
| Net operating income to assets | 2.3676% | 166 |
| Return on assets (ROA) | 2.3676% | 199 |
| Pretax return on assets | 2.4916% | 266 |
| Return on Equity (ROE) | 26.5959% | 155 |
| Retained earnings to average equity (ytd only) | -26.6622% | 7,810 |
| Net charge-offs to loans | 0.0181% | 5,320 |
| Credit loss provision to net charge-offs | 1,750.0000% | 366 |
| Earnings coverage of net charge-offs (x) | 228.5000% | 185 |
| Efficiency ratio | 49.0524% | 7,663 |
| Assets per employee ($millions) | 3.7791% | 4,146 |
| Cash dividends to net income (ytd only)* | 200.2494% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 4,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.4650% | 4,906 |
| Net loans and leases to deposits | 77.5712% | 4,996 |
| Net loans and leases to core deposits | 91.2612% | 5,431 |
| Total domestic deposits to total assets | 83.1042% | 4,093 |
| Equity capital to assets | 8.7544% | 5,690 |
| Core capital (leverage) ratio | 8.6502% | 5,257 |
| Tier 1 risk-based capital ratio | 12.2372% | 4,760 |
| Total risk-based capital ratio | 13.3952% | 4,723 |
| Memoranda: | ||
| Average total assets | $67,747,500 | 6,188 |
| Average earning assets | $63,112,500 | 6,140 |
| Average equity | $6,031,000 | 6,747 |
| Average total loans | $44,208,000 | 6,052 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7746% | 1,768 |
| Cost of funding earning assets | 2.1289% | 5,933 |
| Net interest margin | 4.6457% | 1,060 |
| Noninterest income to average assets | 0.7544% | 2,756 |
| Noninterest expense to average assets | 2.5561% | 5,808 |
| Loan and lease loss provision to assets | 0.1609% | 5,320 |
| Net operating income to assets | 2.2424% | 217 |
| Return on assets (ROA) | 2.2424% | 214 |
| Pretax return on assets | 2.2955% | 316 |
| Return on Equity (ROE) | 24.5691% | 152 |
| Retained earnings to average equity (ytd only) | 16.7260% | 60 |
| Net charge-offs to loans | 0.2004% | 4,193 |
| Credit loss provision to net charge-offs | 123.4568% | 4,347 |
| Earnings coverage of net charge-offs (x) | 18.8519% | 1,675 |
| Efficiency ratio | 50.9949% | 7,587 |
| Assets per employee ($millions) | 3.9689% | 3,583 |
| Cash dividends to net income (ytd only)* | 31.9225% | 4,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1930% | 4,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 6,290 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.4445% | 5,181 |
| Net loans and leases to deposits | 82.6450% | 4,631 |
| Net loans and leases to core deposits | 95.9677% | 5,260 |
| Total domestic deposits to total assets | 77.9775% | 5,725 |
| Equity capital to assets | 9.0512% | 5,305 |
| Core capital (leverage) ratio | 9.0089% | 4,727 |
| Tier 1 risk-based capital ratio | 12.8547% | 4,187 |
| Total risk-based capital ratio | 13.9835% | 4,185 |
| Memoranda: | ||
| Average total assets | $62,164,600 | 6,312 |
| Average earning assets | $56,977,400 | 6,302 |
| Average equity | $5,673,800 | 6,926 |
| Average total loans | $40,421,400 | 6,150 |