Home > County Bank > Performance and Condition Ratios
County 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 | 6.3717% | 396 |
| Cost of funding earning assets | 1.1732% | 2,876 |
| Net interest margin | 5.1985% | 266 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.6344% | 1,906 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.4767% | 243 |
| Return on assets (ROA) | 1.5053% | 978 |
| Pretax return on assets | 1.5830% | 1,267 |
| Return on Equity (ROE) | 15.6300% | 1,168 |
| Retained earnings to average equity (ytd only) | 8.9453% | 1,270 |
| Net charge-offs to loans | -0.0219% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.0634% | 4,036 |
| Assets per employee ($millions) | 6.5531% | 2,386 |
| Cash dividends to net income (ytd only)* | 42.7758% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,342 |
| Loan loss allowance to noncurrent loans | 228.6008% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 891 |
| Noncurrent loans to loans | 0.5215% | 1,487 |
| Net loans and leases to total assets | 80.3000% | 611 |
| Net loans and leases to deposits | 91.2770% | 1,160 |
| Net loans and leases to core deposits | 101.3020% | 1,365 |
| Total domestic deposits to total assets | 87.9700% | 1,371 |
| Equity capital to assets | 9.9901% | 2,017 |
| Core capital (leverage) ratio | 10.7604% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6349% | 2,013 |
| Memoranda: | ||
| Average total assets | $221,610,600 | 2,838 |
| Average earning assets | $205,847,800 | 2,820 |
| Average equity | $21,340,800 | 2,749 |
| Average total loans | $178,409,200 | 2,456 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3823% | 346 |
| Cost of funding earning assets | 1.0667% | 2,843 |
| Net interest margin | 5.3156% | 222 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.6293% | 1,856 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 2.6338% | 236 |
| Return on assets (ROA) | 1.3450% | 1,421 |
| Pretax return on assets | 1.4324% | 1,710 |
| Return on Equity (ROE) | 14.1000% | 1,631 |
| Retained earnings to average equity (ytd only) | 6.7404% | 2,382 |
| Net charge-offs to loans | -0.1262% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.0726% | 4,038 |
| Assets per employee ($millions) | 6.4469% | 2,361 |
| Cash dividends to net income (ytd only)* | 52.2112% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,607 |
| Loan loss allowance to noncurrent loans | 135.6417% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 784 |
| Noncurrent loans to loans | 0.8494% | 975 |
| Net loans and leases to total assets | 83.5700% | 318 |
| Net loans and leases to deposits | 94.8208% | 832 |
| Net loans and leases to core deposits | 107.6583% | 948 |
| Total domestic deposits to total assets | 88.1300% | 1,527 |
| Equity capital to assets | 9.8132% | 1,933 |
| Core capital (leverage) ratio | 10.7679% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3383% | 2,143 |
| Memoranda: | ||
| Average total assets | $219,673,750 | 2,862 |
| Average earning assets | $204,248,000 | 2,848 |
| Average equity | $20,947,750 | 2,766 |
| Average total loans | $176,414,500 | 2,479 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5499% | 251 |
| Cost of funding earning assets | 0.9757% | 2,686 |
| Net interest margin | 5.5742% | 159 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.6129% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.6700% | 204 |
| Return on assets (ROA) | 0.8725% | 2,836 |
| Pretax return on assets | 1.0035% | 2,903 |
| Return on Equity (ROE) | 9.2400% | 2,913 |
| Retained earnings to average equity (ytd only) | 1.8015% | 3,757 |
| Net charge-offs to loans | -0.2029% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.7893% | 4,173 |
| Assets per employee ($millions) | 6.4940% | 2,294 |
| Cash dividends to net income (ytd only)* | 80.5005% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,495 |
| Loan loss allowance to noncurrent loans | 278.8158% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 1,535 |
| Noncurrent loans to loans | 0.4265% | 1,659 |
| Net loans and leases to total assets | 79.7500% | 662 |
| Net loans and leases to deposits | 90.4949% | 1,145 |
| Net loans and leases to core deposits | 101.9743% | 1,134 |
| Total domestic deposits to total assets | 88.1200% | 1,561 |
| Equity capital to assets | 9.8140% | 1,970 |
| Core capital (leverage) ratio | 10.0847% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2420% | 2,201 |
| Memoranda: | ||
| Average total assets | $219,833,333 | 2,872 |
| Average earning assets | $204,371,000 | 2,861 |
| Average equity | $20,760,333 | 2,795 |
| Average total loans | $173,450,000 | 2,498 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3672% | 86 |
| Cost of funding earning assets | 0.8822% | 2,430 |
| Net interest margin | 6.4850% | 76 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.8539% | 1,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.5270% | 117 |
| Return on assets (ROA) | 3.5322% | 117 |
| Pretax return on assets | 3.6799% | 121 |
| Return on Equity (ROE) | 38.1600% | 126 |
| Retained earnings to average equity (ytd only) | 35.2014% | 79 |
| Net charge-offs to loans | -0.4115% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.5475% | 4,322 |
| Assets per employee ($millions) | 6.4134% | 2,394 |
| Cash dividends to net income (ytd only)* | 7.7439% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,337 |
| Loan loss allowance to noncurrent loans | 115.6659% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 579 |
| Noncurrent loans to loans | 1.0712% | 669 |
| Net loans and leases to total assets | 75.2500% | 1,053 |
| Net loans and leases to deposits | 84.2121% | 1,483 |
| Net loans and leases to core deposits | 91.3272% | 1,541 |
| Total domestic deposits to total assets | 89.3500% | 1,396 |
| Equity capital to assets | 9.7751% | 1,948 |
| Core capital (leverage) ratio | 10.9016% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2387% | 1,891 |
| Memoranda: | ||
| Average total assets | $219,351,500 | 2,913 |
| Average earning assets | $204,040,500 | 2,907 |
| Average equity | $20,306,000 | 2,863 |
| Average total loans | $171,078,000 | 2,535 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 864 |
| Cost of funding earning assets | 0.3446% | 2,521 |
| Net interest margin | 4.0666% | 710 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.6049% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6036% | 689 |
| Return on assets (ROA) | 1.6009% | 658 |
| Pretax return on assets | 1.6825% | 963 |
| Return on Equity (ROE) | 17.6400% | 761 |
| Retained earnings to average equity (ytd only) | 8.5771% | 1,616 |
| Net charge-offs to loans | 0.0193% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 116.5806% | 897 |
| Efficiency ratio | 60.4674% | 2,989 |
| Assets per employee ($millions) | 6.3010% | 2,510 |
| Cash dividends to net income (ytd only)* | 51.3836% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 1,946 |
| Loan loss allowance to noncurrent loans | 103.1776% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 434 |
| Noncurrent loans to loans | 1.2505% | 554 |
| Net loans and leases to total assets | 78.8500% | 712 |
| Net loans and leases to deposits | 87.2595% | 1,227 |
| Net loans and leases to core deposits | 93.0977% | 1,341 |
| Total domestic deposits to total assets | 90.3600% | 1,218 |
| Equity capital to assets | 8.7147% | 2,554 |
| Core capital (leverage) ratio | 10.1526% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1933% | 2,291 |
| Memoranda: | ||
| Average total assets | $214,439,800 | 2,946 |
| Average earning assets | $198,766,400 | 2,948 |
| Average equity | $19,458,800 | 2,999 |
| Average total loans | $160,260,000 | 2,536 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 942 |
| Cost of funding earning assets | 0.2623% | 2,574 |
| Net interest margin | 3.9077% | 792 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.5188% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5371% | 764 |
| Return on assets (ROA) | 1.5341% | 750 |
| Pretax return on assets | 1.6137% | 1,086 |
| Return on Equity (ROE) | 16.7400% | 848 |
| Retained earnings to average equity (ytd only) | 5.7928% | 2,820 |
| Net charge-offs to loans | 0.0499% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 44.0847% | 1,344 |
| Efficiency ratio | 60.6343% | 3,033 |
| Assets per employee ($millions) | 6.4107% | 2,398 |
| Cash dividends to net income (ytd only)* | 65.3971% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,005 |
| Loan loss allowance to noncurrent loans | 79.3882% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.2709% | 299 |
| Noncurrent loans to loans | 1.6434% | 407 |
| Net loans and leases to total assets | 75.6600% | 942 |
| Net loans and leases to deposits | 82.7921% | 1,376 |
| Net loans and leases to core deposits | 87.5676% | 1,436 |
| Total domestic deposits to total assets | 91.3900% | 1,082 |
| Equity capital to assets | 8.5051% | 2,543 |
| Core capital (leverage) ratio | 9.7234% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8717% | 2,526 |
| Memoranda: | ||
| Average total assets | $214,491,000 | 2,970 |
| Average earning assets | $198,713,500 | 2,962 |
| Average equity | $19,656,000 | 3,022 |
| Average total loans | $157,542,000 | 2,562 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0210% | 905 |
| Cost of funding earning assets | 0.2266% | 2,557 |
| Net interest margin | 3.7944% | 761 |
| Noninterest income to average assets | 0.5109% | 2,139 |
| Noninterest expense to average assets | 2.4778% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4743% | 754 |
| Return on assets (ROA) | 1.4663% | 747 |
| Pretax return on assets | 1.5403% | 1,070 |
| Return on Equity (ROE) | 15.6176% | 770 |
| Retained earnings to average equity (ytd only) | 4.4936% | 2,885 |
| Net charge-offs to loans | 0.0583% | 816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 36.7111% | 1,306 |
| Efficiency ratio | 61.2573% | 3,144 |
| Assets per employee ($millions) | 6.4233% | 2,374 |
| Cash dividends to net income (ytd only)* | 71.2276% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 1,824 |
| Loan loss allowance to noncurrent loans | 79.0061% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 323 |
| Noncurrent loans to loans | 1.7502% | 385 |
| Net loans and leases to total assets | 71.6481% | 1,148 |
| Net loans and leases to deposits | 78.3874% | 1,511 |
| Net loans and leases to core deposits | 82.4627% | 1,562 |
| Total domestic deposits to total assets | 91.4026% | 1,065 |
| Equity capital to assets | 8.5013% | 2,764 |
| Core capital (leverage) ratio | 9.6116% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2637% | 2,388 |
| Memoranda: | ||
| Average total assets | $213,333,333 | 3,004 |
| Average earning assets | $197,661,667 | 3,012 |
| Average equity | $20,028,667 | 3,069 |
| Average total loans | $154,357,333 | 2,603 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 737 |
| Cost of funding earning assets | 0.2168% | 2,568 |
| Net interest margin | 3.8071% | 627 |
| Noninterest income to average assets | 0.5294% | 1,998 |
| Noninterest expense to average assets | 2.5426% | 1,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4442% | 719 |
| Return on assets (ROA) | 1.4478% | 712 |
| Pretax return on assets | 1.5218% | 976 |
| Return on Equity (ROE) | 14.7013% | 703 |
| Retained earnings to average equity (ytd only) | 9.6146% | 1,119 |
| Net charge-offs to loans | 0.0972% | 530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 21.6216% | 1,251 |
| Efficiency ratio | 62.3364% | 3,225 |
| Assets per employee ($millions) | 6.3163% | 2,539 |
| Cash dividends to net income (ytd only)* | 34.6003% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 1,774 |
| Loan loss allowance to noncurrent loans | 55.4381% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8524% | 166 |
| Noncurrent loans to loans | 2.5911% | 225 |
| Net loans and leases to total assets | 70.3557% | 986 |
| Net loans and leases to deposits | 77.7833% | 1,304 |
| Net loans and leases to core deposits | 81.7849% | 1,361 |
| Total domestic deposits to total assets | 90.4509% | 1,321 |
| Equity capital to assets | 9.4369% | 2,336 |
| Core capital (leverage) ratio | 9.9140% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7359% | 2,330 |
| Memoranda: | ||
| Average total assets | $210,804,500 | 3,033 |
| Average earning assets | $195,527,000 | 3,037 |
| Average equity | $20,760,000 | 3,075 |
| Average total loans | $152,202,500 | 2,614 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 367 |
| Cost of funding earning assets | 0.2695% | 2,708 |
| Net interest margin | 4.5145% | 264 |
| Noninterest income to average assets | 0.7062% | 1,744 |
| Noninterest expense to average assets | 2.6561% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.0992% | 290 |
| Return on assets (ROA) | 2.1268% | 291 |
| Pretax return on assets | 2.2359% | 383 |
| Return on Equity (ROE) | 21.3688% | 245 |
| Retained earnings to average equity (ytd only) | 10.8938% | 723 |
| Net charge-offs to loans | -0.0296% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3407% | 3,892 |
| Assets per employee ($millions) | 6.0840% | 2,683 |
| Cash dividends to net income (ytd only)* | 49.0201% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,627 |
| Loan loss allowance to noncurrent loans | 71.2830% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.5213% | 270 |
| Noncurrent loans to loans | 2.0786% | 376 |
| Net loans and leases to total assets | 71.9694% | 845 |
| Net loans and leases to deposits | 80.3629% | 1,188 |
| Net loans and leases to core deposits | 85.3483% | 1,237 |
| Total domestic deposits to total assets | 89.5555% | 1,202 |
| Equity capital to assets | 10.2748% | 2,397 |
| Core capital (leverage) ratio | 9.8588% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7243% | 2,353 |
| Memoranda: | ||
| Average total assets | $206,315,600 | 3,016 |
| Average earning assets | $189,964,200 | 3,031 |
| Average equity | $20,534,600 | 3,167 |
| Average total loans | $145,033,400 | 2,678 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 358 |
| Cost of funding earning assets | 0.2829% | 2,768 |
| Net interest margin | 4.6009% | 264 |
| Noninterest income to average assets | 0.7495% | 1,674 |
| Noninterest expense to average assets | 2.5285% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.3269% | 265 |
| Return on assets (ROA) | 2.3545% | 266 |
| Pretax return on assets | 2.4774% | 349 |
| Return on Equity (ROE) | 23.8497% | 213 |
| Retained earnings to average equity (ytd only) | 13.1989% | 610 |
| Net charge-offs to loans | -0.0065% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5327% | 4,173 |
| Assets per employee ($millions) | 6.4662% | 2,280 |
| Cash dividends to net income (ytd only)* | 44.6581% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,587 |
| Loan loss allowance to noncurrent loans | 76.5994% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 366 |
| Noncurrent loans to loans | 1.9749% | 452 |
| Net loans and leases to total assets | 69.3150% | 1,155 |
| Net loans and leases to deposits | 77.4397% | 1,531 |
| Net loans and leases to core deposits | 82.1314% | 1,561 |
| Total domestic deposits to total assets | 89.5085% | 1,005 |
| Equity capital to assets | 10.3296% | 2,590 |
| Core capital (leverage) ratio | 9.9194% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9597% | 2,383 |
| Memoranda: | ||
| Average total assets | $206,180,500 | 3,053 |
| Average earning assets | $189,436,500 | 3,071 |
| Average equity | $20,354,750 | 3,217 |
| Average total loans | $143,513,750 | 2,730 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 451 |
| Cost of funding earning assets | 0.3030% | 2,748 |
| Net interest margin | 4.5241% | 340 |
| Noninterest income to average assets | 0.7701% | 1,616 |
| Noninterest expense to average assets | 2.4445% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.3659% | 261 |
| Return on assets (ROA) | 2.4056% | 262 |
| Pretax return on assets | 2.5290% | 342 |
| Return on Equity (ROE) | 24.7514% | 204 |
| Retained earnings to average equity (ytd only) | 13.2501% | 677 |
| Net charge-offs to loans | -0.0098% | 3,661 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2911% | 4,292 |
| Assets per employee ($millions) | 6.1309% | 2,490 |
| Cash dividends to net income (ytd only)* | 46.4675% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 1,703 |
| Loan loss allowance to noncurrent loans | 68.4161% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.5716% | 342 |
| Noncurrent loans to loans | 2.1413% | 429 |
| Net loans and leases to total assets | 71.0832% | 1,070 |
| Net loans and leases to deposits | 79.2361% | 1,491 |
| Net loans and leases to core deposits | 84.2744% | 1,538 |
| Total domestic deposits to total assets | 89.7107% | 919 |
| Equity capital to assets | 9.9117% | 2,932 |
| Core capital (leverage) ratio | 9.4706% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5592% | 2,525 |
| Memoranda: | ||
| Average total assets | $205,934,333 | 3,054 |
| Average earning assets | $189,430,667 | 3,071 |
| Average equity | $20,015,000 | 3,237 |
| Average total loans | $142,808,667 | 2,752 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 1,517 |
| Cost of funding earning assets | 0.3261% | 2,741 |
| Net interest margin | 3.7215% | 1,289 |
| Noninterest income to average assets | 0.8286% | 1,516 |
| Noninterest expense to average assets | 2.4116% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7418% | 880 |
| Return on assets (ROA) | 1.7511% | 912 |
| Pretax return on assets | 1.8390% | 1,220 |
| Return on Equity (ROE) | 18.2003% | 706 |
| Retained earnings to average equity (ytd only) | 11.0705% | 1,384 |
| Net charge-offs to loans | -0.0230% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5438% | 3,487 |
| Assets per employee ($millions) | 6.5926% | 2,102 |
| Cash dividends to net income (ytd only)* | 39.1741% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 1,488 |
| Loan loss allowance to noncurrent loans | 56.2676% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.9003% | 281 |
| Noncurrent loans to loans | 2.7265% | 316 |
| Net loans and leases to total assets | 67.0541% | 1,653 |
| Net loans and leases to deposits | 74.4338% | 2,080 |
| Net loans and leases to core deposits | 78.5339% | 2,137 |
| Total domestic deposits to total assets | 90.0855% | 779 |
| Equity capital to assets | 9.4097% | 3,283 |
| Core capital (leverage) ratio | 9.3512% | 3,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8276% | 2,359 |
| Memoranda: | ||
| Average total assets | $204,676,500 | 3,047 |
| Average earning assets | $187,664,000 | 3,072 |
| Average equity | $19,692,000 | 3,268 |
| Average total loans | $139,025,000 | 2,797 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 677 |
| Cost of funding earning assets | 0.6581% | 1,944 |
| Net interest margin | 4.1877% | 652 |
| Noninterest income to average assets | 1.1342% | 833 |
| Noninterest expense to average assets | 3.0108% | 1,406 |
| Loan and lease loss provision to assets | 0.1746% | 2,203 |
| Net operating income to assets | 1.6990% | 496 |
| Return on assets (ROA) | 1.7746% | 443 |
| Pretax return on assets | 1.8643% | 592 |
| Return on Equity (ROE) | 17.5525% | 366 |
| Retained earnings to average equity (ytd only) | 8.0828% | 1,031 |
| Net charge-offs to loans | 0.0502% | 2,079 |
| Credit loss provision to net charge-offs | 457.7465% | 1,320 |
| Earnings coverage of net charge-offs (x) | 51.3662% | 1,174 |
| Efficiency ratio | 60.2746% | 3,416 |
| Assets per employee ($millions) | 5.5108% | 2,834 |
| Cash dividends to net income (ytd only)* | 53.9510% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 1,208 |
| Loan loss allowance to noncurrent loans | 100.2282% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.1508% | 775 |
| Noncurrent loans to loans | 1.6304% | 807 |
| Net loans and leases to total assets | 66.6317% | 2,003 |
| Net loans and leases to deposits | 74.0398% | 2,478 |
| Net loans and leases to core deposits | 78.8582% | 2,472 |
| Total domestic deposits to total assets | 89.9944% | 571 |
| Equity capital to assets | 9.8458% | 3,267 |
| Core capital (leverage) ratio | 9.3057% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7503% | 2,331 |
| Memoranda: | ||
| Average total assets | $186,128,000 | 3,052 |
| Average earning assets | $170,498,400 | 3,066 |
| Average equity | $18,817,800 | 3,297 |
| Average total loans | $141,557,600 | 2,738 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8805% | 763 |
| Cost of funding earning assets | 0.7365% | 1,823 |
| Net interest margin | 4.1440% | 820 |
| Noninterest income to average assets | 1.1814% | 760 |
| Noninterest expense to average assets | 2.9730% | 1,504 |
| Loan and lease loss provision to assets | 0.1639% | 2,363 |
| Net operating income to assets | 1.7519% | 509 |
| Return on assets (ROA) | 1.8543% | 452 |
| Pretax return on assets | 1.9512% | 567 |
| Return on Equity (ROE) | 18.2123% | 344 |
| Retained earnings to average equity (ytd only) | 8.2692% | 1,218 |
| Net charge-offs to loans | 0.0716% | 1,598 |
| Credit loss provision to net charge-offs | 292.2078% | 1,790 |
| Earnings coverage of net charge-offs (x) | 35.7922% | 1,441 |
| Efficiency ratio | 59.3887% | 3,468 |
| Assets per employee ($millions) | 5.1441% | 3,073 |
| Cash dividends to net income (ytd only)* | 54.5954% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,389 |
| Loan loss allowance to noncurrent loans | 96.2247% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.1434% | 909 |
| Noncurrent loans to loans | 1.5552% | 912 |
| Net loans and leases to total assets | 70.3792% | 1,893 |
| Net loans and leases to deposits | 79.6527% | 2,352 |
| Net loans and leases to core deposits | 85.4098% | 2,349 |
| Total domestic deposits to total assets | 88.3575% | 1,030 |
| Equity capital to assets | 9.7793% | 3,450 |
| Core capital (leverage) ratio | 9.5908% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6733% | 2,336 |
| Memoranda: | ||
| Average total assets | $183,062,750 | 3,066 |
| Average earning assets | $167,821,750 | 3,080 |
| Average equity | $18,639,000 | 3,313 |
| Average total loans | $143,350,500 | 2,723 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 673 |
| Cost of funding earning assets | 0.8227% | 1,717 |
| Net interest margin | 4.2915% | 766 |
| Noninterest income to average assets | 1.0518% | 898 |
| Noninterest expense to average assets | 2.7766% | 2,144 |
| Loan and lease loss provision to assets | 0.2236% | 1,872 |
| Net operating income to assets | 1.8828% | 415 |
| Return on assets (ROA) | 2.0400% | 339 |
| Pretax return on assets | 2.1473% | 398 |
| Return on Equity (ROE) | 19.7511% | 258 |
| Retained earnings to average equity (ytd only) | 14.1775% | 266 |
| Net charge-offs to loans | 0.1134% | 1,169 |
| Credit loss provision to net charge-offs | 243.9024% | 1,762 |
| Earnings coverage of net charge-offs (x) | 24.0610% | 1,587 |
| Efficiency ratio | 55.4184% | 4,014 |
| Assets per employee ($millions) | 5.1916% | 2,943 |
| Cash dividends to net income (ytd only)* | 28.2192% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,540 |
| Loan loss allowance to noncurrent loans | 60.9828% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.8074% | 435 |
| Noncurrent loans to loans | 2.3184% | 531 |
| Net loans and leases to total assets | 76.8578% | 1,010 |
| Net loans and leases to deposits | 89.0877% | 1,437 |
| Net loans and leases to core deposits | 96.2949% | 1,557 |
| Total domestic deposits to total assets | 86.2721% | 1,902 |
| Equity capital to assets | 10.3244% | 2,909 |
| Core capital (leverage) ratio | 9.9008% | 2,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4947% | 2,404 |
| Memoranda: | ||
| Average total assets | $178,925,667 | 3,083 |
| Average earning assets | $163,860,667 | 3,100 |
| Average equity | $18,480,000 | 3,324 |
| Average total loans | $144,579,667 | 2,704 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 583 |
| Cost of funding earning assets | 0.9418% | 1,681 |
| Net interest margin | 4.3293% | 718 |
| Noninterest income to average assets | 0.7408% | 1,495 |
| Noninterest expense to average assets | 2.8741% | 2,201 |
| Loan and lease loss provision to assets | 0.1715% | 1,714 |
| Net operating income to assets | 1.5767% | 657 |
| Return on assets (ROA) | 1.9047% | 367 |
| Pretax return on assets | 2.0030% | 445 |
| Return on Equity (ROE) | 18.4374% | 240 |
| Retained earnings to average equity (ytd only) | 10.3586% | 674 |
| Net charge-offs to loans | 0.0333% | 1,731 |
| Credit loss provision to net charge-offs | 625.0000% | 771 |
| Earnings coverage of net charge-offs (x) | 66.6667% | 750 |
| Efficiency ratio | 60.7681% | 3,644 |
| Assets per employee ($millions) | 5.1847% | 2,446 |
| Cash dividends to net income (ytd only)* | 43.8175% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 1,737 |
| Loan loss allowance to noncurrent loans | 70.3262% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.6173% | 628 |
| Noncurrent loans to loans | 1.9765% | 726 |
| Net loans and leases to total assets | 80.6905% | 605 |
| Net loans and leases to deposits | 93.5950% | 1,113 |
| Net loans and leases to core deposits | 100.0260% | 1,471 |
| Total domestic deposits to total assets | 86.2124% | 1,913 |
| Equity capital to assets | 10.3358% | 3,483 |
| Core capital (leverage) ratio | 10.1484% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4152% | 2,962 |
| Memoranda: | ||
| Average total assets | $174,940,000 | 3,085 |
| Average earning assets | $160,117,500 | 3,107 |
| Average equity | $18,072,000 | 3,358 |
| Average total loans | $144,017,000 | 2,692 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4167% | 651 |
| Cost of funding earning assets | 0.9792% | 1,817 |
| Net interest margin | 4.4375% | 826 |
| Noninterest income to average assets | 0.6865% | 1,860 |
| Noninterest expense to average assets | 2.9668% | 2,108 |
| Loan and lease loss provision to assets | 0.2045% | 987 |
| Net operating income to assets | 1.5161% | 1,013 |
| Return on assets (ROA) | 1.5260% | 1,051 |
| Pretax return on assets | 1.6084% | 1,464 |
| Return on Equity (ROE) | 15.0960% | 676 |
| Retained earnings to average equity (ytd only) | 7.5827% | 1,129 |
| Net charge-offs to loans | 0.1650% | 1,222 |
| Credit loss provision to net charge-offs | 147.0588% | 1,749 |
| Earnings coverage of net charge-offs (x) | 12.9622% | 2,384 |
| Efficiency ratio | 61.8645% | 3,403 |
| Assets per employee ($millions) | 4.8222% | 2,812 |
| Cash dividends to net income (ytd only)* | 49.7703% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,708 |
| Loan loss allowance to noncurrent loans | 110.8447% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 1,234 |
| Noncurrent loans to loans | 1.2185% | 1,230 |
| Net loans and leases to total assets | 81.7084% | 585 |
| Net loans and leases to deposits | 95.5803% | 986 |
| Net loans and leases to core deposits | 103.1728% | 1,294 |
| Total domestic deposits to total assets | 85.4867% | 2,300 |
| Equity capital to assets | 10.3249% | 3,606 |
| Core capital (leverage) ratio | 9.6848% | 3,867 |
| Tier 1 risk-based capital ratio | 10.9388% | 4,879 |
| Total risk-based capital ratio | 12.1887% | 4,784 |
| Memoranda: | ||
| Average total assets | $171,161,800 | 3,102 |
| Average earning assets | $157,475,000 | 3,108 |
| Average equity | $17,302,600 | 3,404 |
| Average total loans | $144,227,000 | 2,673 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4019% | 691 |
| Cost of funding earning assets | 0.9839% | 1,834 |
| Net interest margin | 4.4180% | 914 |
| Noninterest income to average assets | 0.6833% | 1,858 |
| Noninterest expense to average assets | 2.9363% | 2,137 |
| Loan and lease loss provision to assets | 0.1954% | 906 |
| Net operating income to assets | 1.5362% | 1,104 |
| Return on assets (ROA) | 1.5377% | 1,147 |
| Pretax return on assets | 1.6214% | 1,558 |
| Return on Equity (ROE) | 15.2946% | 717 |
| Retained earnings to average equity (ytd only) | 11.7956% | 409 |
| Net charge-offs to loans | 0.0286% | 2,523 |
| Credit loss provision to net charge-offs | 806.4516% | 431 |
| Earnings coverage of net charge-offs (x) | 74.9073% | 899 |
| Efficiency ratio | 61.4511% | 3,411 |
| Assets per employee ($millions) | 4.8448% | 2,737 |
| Cash dividends to net income (ytd only)* | 22.8777% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 1,601 |
| Loan loss allowance to noncurrent loans | 102.2966% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.1484% | 1,131 |
| Noncurrent loans to loans | 1.3632% | 1,129 |
| Net loans and leases to total assets | 83.0724% | 443 |
| Net loans and leases to deposits | 98.0119% | 816 |
| Net loans and leases to core deposits | 105.1856% | 1,244 |
| Total domestic deposits to total assets | 84.7574% | 2,521 |
| Equity capital to assets | 10.3599% | 3,669 |
| Core capital (leverage) ratio | 10.0310% | 3,612 |
| Tier 1 risk-based capital ratio | 10.7893% | 4,989 |
| Total risk-based capital ratio | 12.0396% | 4,898 |
| Memoranda: | ||
| Average total assets | $170,552,500 | 3,139 |
| Average earning assets | $157,052,250 | 3,144 |
| Average equity | $17,147,250 | 3,445 |
| Average total loans | $144,337,000 | 2,701 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3884% | 698 |
| Cost of funding earning assets | 0.9467% | 1,934 |
| Net interest margin | 4.4416% | 871 |
| Noninterest income to average assets | 0.6251% | 2,040 |
| Noninterest expense to average assets | 2.9220% | 2,222 |
| Loan and lease loss provision to assets | 0.1772% | 1,012 |
| Net operating income to assets | 1.5385% | 1,035 |
| Return on assets (ROA) | 1.5408% | 1,081 |
| Pretax return on assets | 1.6247% | 1,470 |
| Return on Equity (ROE) | 15.4869% | 670 |
| Retained earnings to average equity (ytd only) | 11.9240% | 413 |
| Net charge-offs to loans | -0.0098% | 4,316 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5365% | 3,500 |
| Assets per employee ($millions) | 4.8056% | 2,732 |
| Cash dividends to net income (ytd only)* | 23.0061% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 1,858 |
| Loan loss allowance to noncurrent loans | 125.2837% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 1,519 |
| Noncurrent loans to loans | 1.0686% | 1,532 |
| Net loans and leases to total assets | 84.6396% | 315 |
| Net loans and leases to deposits | 99.6970% | 703 |
| Net loans and leases to core deposits | 107.7429% | 1,120 |
| Total domestic deposits to total assets | 84.8968% | 2,526 |
| Equity capital to assets | 10.1131% | 3,876 |
| Core capital (leverage) ratio | 9.6764% | 3,956 |
| Tier 1 risk-based capital ratio | 10.4717% | 5,114 |
| Total risk-based capital ratio | 11.7217% | 5,032 |
| Memoranda: | ||
| Average total assets | $169,265,670 | 3,164 |
| Average earning assets | $156,113,670 | 3,169 |
| Average equity | $16,840,000 | 3,478 |
| Average total loans | $143,470,000 | 2,724 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 728 |
| Cost of funding earning assets | 0.9091% | 1,960 |
| Net interest margin | 4.4109% | 879 |
| Noninterest income to average assets | 0.5830% | 2,125 |
| Noninterest expense to average assets | 2.9630% | 2,097 |
| Loan and lease loss provision to assets | 0.2390% | 623 |
| Net operating income to assets | 1.3692% | 1,461 |
| Return on assets (ROA) | 1.3692% | 1,503 |
| Pretax return on assets | 1.4504% | 1,919 |
| Return on Equity (ROE) | 13.8808% | 995 |
| Retained earnings to average equity (ytd only) | 10.2471% | 976 |
| Net charge-offs to loans | -0.0227% | 4,535 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3282% | 3,342 |
| Assets per employee ($millions) | 4.9531% | 2,587 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 1,879 |
| Loan loss allowance to noncurrent loans | 122.2713% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 1,535 |
| Noncurrent loans to loans | 1.1024% | 1,511 |
| Net loans and leases to total assets | 81.8196% | 610 |
| Net loans and leases to deposits | 95.6924% | 1,001 |
| Net loans and leases to core deposits | 103.4588% | 1,352 |
| Total domestic deposits to total assets | 85.5027% | 2,482 |
| Equity capital to assets | 9.6754% | 4,113 |
| Core capital (leverage) ratio | 9.5619% | 4,063 |
| Tier 1 risk-based capital ratio | 10.3798% | 5,200 |
| Total risk-based capital ratio | 11.6294% | 5,123 |
| Memoranda: | ||
| Average total assets | $167,397,000 | 3,216 |
| Average earning assets | $154,435,500 | 3,220 |
| Average equity | $16,512,000 | 3,531 |
| Average total loans | $140,997,000 | 2,790 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 739 |
| Cost of funding earning assets | 0.7035% | 2,069 |
| Net interest margin | 4.4638% | 820 |
| Noninterest income to average assets | 0.5996% | 2,292 |
| Noninterest expense to average assets | 3.1520% | 1,671 |
| Loan and lease loss provision to assets | 0.1911% | 999 |
| Net operating income to assets | 1.2896% | 1,848 |
| Return on assets (ROA) | 1.2896% | 1,837 |
| Pretax return on assets | 1.3234% | 2,423 |
| Return on Equity (ROE) | 13.0454% | 1,331 |
| Retained earnings to average equity (ytd only) | 9.0171% | 856 |
| Net charge-offs to loans | 0.0873% | 1,907 |
| Credit loss provision to net charge-offs | 265.4867% | 1,127 |
| Earnings coverage of net charge-offs (x) | 21.0354% | 1,966 |
| Efficiency ratio | 67.1628% | 2,685 |
| Assets per employee ($millions) | 4.2483% | 3,541 |
| Cash dividends to net income (ytd only)* | 30.8794% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 1,932 |
| Loan loss allowance to noncurrent loans | 98.1233% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 1,141 |
| Noncurrent loans to loans | 1.3493% | 1,160 |
| Net loans and leases to total assets | 84.4825% | 371 |
| Net loans and leases to deposits | 99.3531% | 788 |
| Net loans and leases to core deposits | 106.4817% | 1,233 |
| Total domestic deposits to total assets | 85.0326% | 2,636 |
| Equity capital to assets | 10.0665% | 3,613 |
| Core capital (leverage) ratio | 9.6574% | 3,942 |
| Tier 1 risk-based capital ratio | 10.4195% | 5,210 |
| Total risk-based capital ratio | 11.6576% | 5,124 |
| Memoranda: | ||
| Average total assets | $156,947,600 | 3,318 |
| Average earning assets | $142,994,600 | 3,332 |
| Average equity | $15,515,000 | 3,575 |
| Average total loans | $129,501,200 | 2,880 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 803 |
| Cost of funding earning assets | 0.6588% | 2,098 |
| Net interest margin | 4.4137% | 876 |
| Noninterest income to average assets | 0.6469% | 2,088 |
| Noninterest expense to average assets | 3.1068% | 1,751 |
| Loan and lease loss provision to assets | 0.1925% | 918 |
| Net operating income to assets | 1.3365% | 1,716 |
| Return on assets (ROA) | 1.3365% | 1,727 |
| Pretax return on assets | 1.3605% | 2,378 |
| Return on Equity (ROE) | 13.5843% | 1,240 |
| Retained earnings to average equity (ytd only) | 9.4534% | 1,057 |
| Net charge-offs to loans | 0.1246% | 1,269 |
| Credit loss provision to net charge-offs | 189.0756% | 1,449 |
| Earnings coverage of net charge-offs (x) | 15.2524% | 2,239 |
| Efficiency ratio | 66.2872% | 2,816 |
| Assets per employee ($millions) | 4.3132% | 3,407 |
| Cash dividends to net income (ytd only)* | 30.4099% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,077 |
| Loan loss allowance to noncurrent loans | 105.6159% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 1,281 |
| Noncurrent loans to loans | 1.2353% | 1,363 |
| Net loans and leases to total assets | 82.9072% | 572 |
| Net loans and leases to deposits | 94.7644% | 1,290 |
| Net loans and leases to core deposits | 100.6144% | 1,732 |
| Total domestic deposits to total assets | 87.4878% | 1,496 |
| Equity capital to assets | 9.9888% | 3,660 |
| Core capital (leverage) ratio | 9.6136% | 4,042 |
| Tier 1 risk-based capital ratio | 10.5182% | 5,233 |
| Total risk-based capital ratio | 11.7380% | 5,157 |
| Memoranda: | ||
| Average total assets | $155,825,250 | 3,351 |
| Average earning assets | $141,676,500 | 3,372 |
| Average equity | $15,331,000 | 3,619 |
| Average total loans | $127,322,500 | 2,936 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 812 |
| Cost of funding earning assets | 0.5672% | 2,452 |
| Net interest margin | 4.4367% | 790 |
| Noninterest income to average assets | 0.6250% | 2,204 |
| Noninterest expense to average assets | 3.0614% | 1,883 |
| Loan and lease loss provision to assets | 0.1941% | 888 |
| Net operating income to assets | 1.3935% | 1,466 |
| Return on assets (ROA) | 1.3935% | 1,465 |
| Pretax return on assets | 1.3974% | 2,158 |
| Return on Equity (ROE) | 14.2388% | 1,027 |
| Retained earnings to average equity (ytd only) | 9.9420% | 943 |
| Net charge-offs to loans | 0.0959% | 1,394 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,807 |
| Efficiency ratio | 65.4060% | 3,082 |
| Assets per employee ($millions) | 4.4698% | 3,172 |
| Cash dividends to net income (ytd only)* | 30.1764% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 1,921 |
| Loan loss allowance to noncurrent loans | 83.1973% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 1,034 |
| Noncurrent loans to loans | 1.6295% | 989 |
| Net loans and leases to total assets | 80.6051% | 930 |
| Net loans and leases to deposits | 92.3120% | 1,545 |
| Net loans and leases to core deposits | 96.9799% | 1,971 |
| Total domestic deposits to total assets | 87.3181% | 1,718 |
| Equity capital to assets | 10.0075% | 3,609 |
| Core capital (leverage) ratio | 9.4912% | 4,124 |
| Tier 1 risk-based capital ratio | 10.7131% | 5,187 |
| Total risk-based capital ratio | 11.9631% | 5,086 |
| Memoranda: | ||
| Average total assets | $154,571,000 | 3,386 |
| Average earning assets | $140,330,670 | 3,408 |
| Average equity | $15,127,670 | 3,662 |
| Average total loans | $125,077,000 | 2,981 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 783 |
| Cost of funding earning assets | 0.5214% | 2,618 |
| Net interest margin | 4.4261% | 728 |
| Noninterest income to average assets | 0.6301% | 2,131 |
| Noninterest expense to average assets | 3.1764% | 1,619 |
| Loan and lease loss provision to assets | 0.1953% | 851 |
| Net operating income to assets | 1.3460% | 1,491 |
| Return on assets (ROA) | 1.3460% | 1,504 |
| Pretax return on assets | 1.2810% | 2,438 |
| Return on Equity (ROE) | 13.9133% | 1,033 |
| Retained earnings to average equity (ytd only) | 9.2038% | 1,395 |
| Net charge-offs to loans | 0.2070% | 715 |
| Credit loss provision to net charge-offs | 117.1875% | 1,402 |
| Earnings coverage of net charge-offs (x) | 8.8594% | 2,004 |
| Efficiency ratio | 67.8791% | 2,847 |
| Assets per employee ($millions) | 4.4944% | 3,172 |
| Cash dividends to net income (ytd only)* | 33.8491% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 2,046 |
| Loan loss allowance to noncurrent loans | 76.8230% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 1,045 |
| Noncurrent loans to loans | 1.7468% | 977 |
| Net loans and leases to total assets | 77.3045% | 1,343 |
| Net loans and leases to deposits | 88.3884% | 1,884 |
| Net loans and leases to core deposits | 92.0036% | 2,304 |
| Total domestic deposits to total assets | 87.4600% | 1,920 |
| Equity capital to assets | 9.6914% | 3,897 |
| Core capital (leverage) ratio | 9.5335% | 4,032 |
| Tier 1 risk-based capital ratio | 10.7721% | 5,256 |
| Total risk-based capital ratio | 12.0158% | 5,153 |
| Memoranda: | ||
| Average total assets | $153,635,000 | 3,428 |
| Average earning assets | $139,626,000 | 3,453 |
| Average equity | $14,863,500 | 3,722 |
| Average total loans | $123,698,500 | 3,017 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 645 |
| Cost of funding earning assets | 0.4242% | 3,008 |
| Net interest margin | 4.5801% | 521 |
| Noninterest income to average assets | 0.6852% | 2,031 |
| Noninterest expense to average assets | 3.3240% | 1,324 |
| Loan and lease loss provision to assets | 0.1537% | 1,468 |
| Net operating income to assets | 0.7932% | 3,194 |
| Return on assets (ROA) | 0.8006% | 3,198 |
| Pretax return on assets | 1.3717% | 2,085 |
| Return on Equity (ROE) | 8.1743% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.8151% | 2,931 |
| Net charge-offs to loans | 0.0721% | 2,419 |
| Credit loss provision to net charge-offs | 264.7059% | 1,062 |
| Earnings coverage of net charge-offs (x) | 26.0706% | 1,690 |
| Efficiency ratio | 66.9302% | 3,090 |
| Assets per employee ($millions) | 3.9465% | 4,052 |
| Cash dividends to net income (ytd only)* | 53.3276% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,098 |
| Loan loss allowance to noncurrent loans | 291.8295% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 3,253 |
| Noncurrent loans to loans | 0.4535% | 3,152 |
| Net loans and leases to total assets | 81.6832% | 726 |
| Net loans and leases to deposits | 92.9966% | 1,391 |
| Net loans and leases to core deposits | 96.1296% | 2,011 |
| Total domestic deposits to total assets | 87.8346% | 1,590 |
| Equity capital to assets | 9.6569% | 4,079 |
| Core capital (leverage) ratio | 8.8859% | 4,770 |
| Tier 1 risk-based capital ratio | 10.1178% | 5,504 |
| Total risk-based capital ratio | 11.3514% | 5,445 |
| Memoranda: | ||
| Average total assets | $146,387,800 | 3,518 |
| Average earning assets | $132,726,200 | 3,557 |
| Average equity | $14,337,600 | 3,802 |
| Average total loans | $117,876,200 | 3,087 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0072% | 605 |
| Cost of funding earning assets | 0.4046% | 3,141 |
| Net interest margin | 4.6025% | 484 |
| Noninterest income to average assets | 0.6818% | 2,077 |
| Noninterest expense to average assets | 3.2954% | 1,362 |
| Loan and lease loss provision to assets | 0.1375% | 1,560 |
| Net operating income to assets | 0.9264% | 2,895 |
| Return on assets (ROA) | 0.9366% | 2,908 |
| Pretax return on assets | 1.4342% | 1,994 |
| Return on Equity (ROE) | 9.5279% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.0996% | 2,808 |
| Net charge-offs to loans | -0.0161% | 4,771 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6781% | 3,268 |
| Assets per employee ($millions) | 4.1048% | 3,818 |
| Cash dividends to net income (ytd only)* | 46.4778% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 2,057 |
| Loan loss allowance to noncurrent loans | 107.5484% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0515% | 1,603 |
| Noncurrent loans to loans | 1.2692% | 1,510 |
| Net loans and leases to total assets | 79.3143% | 1,081 |
| Net loans and leases to deposits | 90.3358% | 1,771 |
| Net loans and leases to core deposits | 93.0625% | 2,342 |
| Total domestic deposits to total assets | 87.7994% | 1,468 |
| Equity capital to assets | 9.6347% | 4,314 |
| Core capital (leverage) ratio | 9.1452% | 4,575 |
| Tier 1 risk-based capital ratio | 10.3326% | 5,502 |
| Total risk-based capital ratio | 11.5822% | 5,442 |
| Memoranda: | ||
| Average total assets | $145,493,250 | 3,563 |
| Average earning assets | $131,808,000 | 3,607 |
| Average equity | $14,301,500 | 3,852 |
| Average total loans | $116,310,250 | 3,130 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 543 |
| Cost of funding earning assets | 0.3914% | 3,156 |
| Net interest margin | 4.6316% | 452 |
| Noninterest income to average assets | 0.6724% | 2,114 |
| Noninterest expense to average assets | 3.2923% | 1,387 |
| Loan and lease loss provision to assets | 0.1046% | 1,936 |
| Net operating income to assets | 0.9417% | 2,710 |
| Return on assets (ROA) | 0.9417% | 2,766 |
| Pretax return on assets | 1.4690% | 1,763 |
| Return on Equity (ROE) | 9.5131% | 2,265 |
| Retained earnings to average equity (ytd only) | 4.9327% | 2,757 |
| Net charge-offs to loans | -0.0175% | 4,728 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9369% | 3,510 |
| Assets per employee ($millions) | 4.0254% | 3,913 |
| Cash dividends to net income (ytd only)* | 48.1481% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,366 |
| Loan loss allowance to noncurrent loans | 379.9043% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,875 |
| Noncurrent loans to loans | 0.3447% | 3,804 |
| Net loans and leases to total assets | 80.3596% | 893 |
| Net loans and leases to deposits | 90.9821% | 1,610 |
| Net loans and leases to core deposits | 93.3799% | 2,207 |
| Total domestic deposits to total assets | 88.3247% | 1,292 |
| Equity capital to assets | 9.7087% | 4,220 |
| Core capital (leverage) ratio | 8.8723% | 4,876 |
| Tier 1 risk-based capital ratio | 10.2820% | 5,546 |
| Total risk-based capital ratio | 11.5144% | 5,490 |
| Memoranda: | ||
| Average total assets | $143,365,000 | 3,608 |
| Average earning assets | $129,804,670 | 3,645 |
| Average equity | $14,191,000 | 3,869 |
| Average total loans | $114,371,000 | 3,163 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 571 |
| Cost of funding earning assets | 0.3933% | 3,066 |
| Net interest margin | 4.5558% | 470 |
| Noninterest income to average assets | 0.6886% | 2,014 |
| Noninterest expense to average assets | 3.3035% | 1,385 |
| Loan and lease loss provision to assets | 0.2134% | 759 |
| Net operating income to assets | 0.8052% | 3,199 |
| Return on assets (ROA) | 0.8052% | 3,260 |
| Pretax return on assets | 1.2918% | 2,265 |
| Return on Equity (ROE) | 8.0532% | 2,897 |
| Retained earnings to average equity (ytd only) | 3.0733% | 3,875 |
| Net charge-offs to loans | -0.0180% | 4,688 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4497% | 3,418 |
| Assets per employee ($millions) | 5.0215% | 2,418 |
| Cash dividends to net income (ytd only)* | 61.8375% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 2,266 |
| Loan loss allowance to noncurrent loans | 227.1162% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 3,304 |
| Noncurrent loans to loans | 0.5986% | 3,023 |
| Net loans and leases to total assets | 73.7819% | 1,778 |
| Net loans and leases to deposits | 82.9253% | 2,405 |
| Net loans and leases to core deposits | 84.6450% | 2,839 |
| Total domestic deposits to total assets | 88.9739% | 1,154 |
| Equity capital to assets | 9.0784% | 4,735 |
| Core capital (leverage) ratio | 9.2149% | 4,462 |
| Tier 1 risk-based capital ratio | 10.3554% | 5,606 |
| Total risk-based capital ratio | 11.6053% | 5,534 |
| Memoranda: | ||
| Average total assets | $140,578,500 | 3,687 |
| Average earning assets | $127,135,000 | 3,720 |
| Average equity | $14,056,500 | 3,913 |
| Average total loans | $110,919,500 | 3,233 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 449 |
| Cost of funding earning assets | 0.3722% | 3,295 |
| Net interest margin | 4.7803% | 365 |
| Noninterest income to average assets | 0.8844% | 1,465 |
| Noninterest expense to average assets | 3.4160% | 1,320 |
| Loan and lease loss provision to assets | 0.2635% | 776 |
| Net operating income to assets | 1.0060% | 2,328 |
| Return on assets (ROA) | 1.0060% | 2,428 |
| Pretax return on assets | 1.5054% | 1,571 |
| Return on Equity (ROE) | 9.0568% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.4956% | 2,704 |
| Net charge-offs to loans | 0.3574% | 766 |
| Credit loss provision to net charge-offs | 86.4362% | 2,863 |
| Earnings coverage of net charge-offs (x) | 5.8032% | 3,282 |
| Efficiency ratio | 65.8849% | 3,604 |
| Assets per employee ($millions) | 3.8027% | 4,307 |
| Cash dividends to net income (ytd only)* | 50.3626% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,979 |
| Loan loss allowance to noncurrent loans | 264.1476% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,295 |
| Noncurrent loans to loans | 0.5398% | 3,230 |
| Net loans and leases to total assets | 82.7946% | 501 |
| Net loans and leases to deposits | 96.6556% | 939 |
| Net loans and leases to core deposits | 98.9166% | 1,715 |
| Total domestic deposits to total assets | 85.6594% | 2,752 |
| Equity capital to assets | 11.1411% | 2,488 |
| Core capital (leverage) ratio | 10.9837% | 2,357 |
| Tier 1 risk-based capital ratio | 12.4595% | 4,394 |
| Total risk-based capital ratio | 13.7101% | 4,295 |
| Memoranda: | ||
| Average total assets | $123,359,800 | 3,935 |
| Average earning assets | $110,976,000 | 3,991 |
| Average equity | $13,702,400 | 3,990 |
| Average total loans | $105,201,800 | 3,290 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1591% | 451 |
| Cost of funding earning assets | 0.3569% | 3,466 |
| Net interest margin | 4.8022% | 362 |
| Noninterest income to average assets | 0.8847% | 1,459 |
| Noninterest expense to average assets | 3.3542% | 1,443 |
| Loan and lease loss provision to assets | 0.3257% | 505 |
| Net operating income to assets | 0.9911% | 2,478 |
| Return on assets (ROA) | 0.9911% | 2,620 |
| Pretax return on assets | 1.5284% | 1,619 |
| Return on Equity (ROE) | 8.9292% | 2,534 |
| Retained earnings to average equity (ytd only) | 4.2837% | 3,274 |
| Net charge-offs to loans | 0.2954% | 777 |
| Credit loss provision to net charge-offs | 128.7554% | 1,986 |
| Earnings coverage of net charge-offs (x) | 7.3305% | 2,887 |
| Efficiency ratio | 64.4018% | 3,868 |
| Assets per employee ($millions) | 4.0621% | 3,853 |
| Cash dividends to net income (ytd only)* | 52.0266% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,638 |
| Loan loss allowance to noncurrent loans | 217.5839% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5972% | 3,117 |
| Noncurrent loans to loans | 0.7070% | 2,916 |
| Net loans and leases to total assets | 82.3928% | 565 |
| Net loans and leases to deposits | 96.0561% | 1,042 |
| Net loans and leases to core deposits | 98.5262% | 1,767 |
| Total domestic deposits to total assets | 85.7758% | 2,469 |
| Equity capital to assets | 10.9946% | 3,016 |
| Core capital (leverage) ratio | 11.0639% | 2,386 |
| Tier 1 risk-based capital ratio | 12.4508% | 4,503 |
| Total risk-based capital ratio | 13.7031% | 4,400 |
| Memoranda: | ||
| Average total assets | $122,827,250 | 3,968 |
| Average earning assets | $110,586,000 | 4,020 |
| Average equity | $13,632,750 | 4,034 |
| Average total loans | $105,151,750 | 3,303 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1615% | 451 |
| Cost of funding earning assets | 0.3565% | 3,495 |
| Net interest margin | 4.8050% | 364 |
| Noninterest income to average assets | 0.8785% | 1,441 |
| Noninterest expense to average assets | 3.3565% | 1,467 |
| Loan and lease loss provision to assets | 0.2463% | 794 |
| Net operating income to assets | 1.0592% | 2,132 |
| Return on assets (ROA) | 1.0592% | 2,256 |
| Pretax return on assets | 1.6142% | 1,329 |
| Return on Equity (ROE) | 9.5119% | 2,270 |
| Retained earnings to average equity (ytd only) | 4.7191% | 2,913 |
| Net charge-offs to loans | 0.1751% | 1,290 |
| Credit loss provision to net charge-offs | 163.0435% | 1,511 |
| Earnings coverage of net charge-offs (x) | 12.3152% | 2,192 |
| Efficiency ratio | 64.3374% | 3,958 |
| Assets per employee ($millions) | 4.2195% | 3,523 |
| Cash dividends to net income (ytd only)* | 50.3876% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 1,851 |
| Loan loss allowance to noncurrent loans | 175.0271% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 2,682 |
| Noncurrent loans to loans | 0.8580% | 2,593 |
| Net loans and leases to total assets | 86.4046% | 225 |
| Net loans and leases to deposits | 101.2158% | 614 |
| Net loans and leases to core deposits | 104.1655% | 1,307 |
| Total domestic deposits to total assets | 85.3667% | 2,703 |
| Equity capital to assets | 11.2205% | 2,827 |
| Core capital (leverage) ratio | 11.0520% | 2,386 |
| Tier 1 risk-based capital ratio | 12.1983% | 4,701 |
| Total risk-based capital ratio | 13.4500% | 4,622 |
| Memoranda: | ||
| Average total assets | $121,794,330 | 4,014 |
| Average earning assets | $109,968,000 | 4,056 |
| Average equity | $13,562,000 | 4,066 |
| Average total loans | $105,077,330 | 3,319 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1095% | 487 |
| Cost of funding earning assets | 0.3316% | 3,821 |
| Net interest margin | 4.7779% | 372 |
| Noninterest income to average assets | 0.8131% | 1,578 |
| Noninterest expense to average assets | 3.4434% | 1,290 |
| Loan and lease loss provision to assets | 0.2469% | 720 |
| Net operating income to assets | 0.9283% | 2,607 |
| Return on assets (ROA) | 0.9283% | 2,714 |
| Pretax return on assets | 1.4386% | 1,781 |
| Return on Equity (ROE) | 8.3692% | 2,724 |
| Retained earnings to average equity (ytd only) | 3.1755% | 3,919 |
| Net charge-offs to loans | 0.3232% | 682 |
| Credit loss provision to net charge-offs | 89.2857% | 1,767 |
| Earnings coverage of net charge-offs (x) | 6.0952% | 2,269 |
| Efficiency ratio | 67.1374% | 3,607 |
| Assets per employee ($millions) | 4.3738% | 3,286 |
| Cash dividends to net income (ytd only)* | 62.0567% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 2,151 |
| Loan loss allowance to noncurrent loans | 105.6049% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 1,883 |
| Noncurrent loans to loans | 1.3841% | 1,722 |
| Net loans and leases to total assets | 82.1145% | 544 |
| Net loans and leases to deposits | 95.4455% | 992 |
| Net loans and leases to core deposits | 97.6386% | 1,661 |
| Total domestic deposits to total assets | 86.0328% | 2,657 |
| Equity capital to assets | 10.6552% | 3,305 |
| Core capital (leverage) ratio | 11.3443% | 2,101 |
| Tier 1 risk-based capital ratio | 12.1162% | 4,844 |
| Total risk-based capital ratio | 13.3684% | 4,742 |
| Memoranda: | ||
| Average total assets | $121,509,000 | 4,045 |
| Average earning assets | $109,755,500 | 4,094 |
| Average equity | $13,478,000 | 4,084 |
| Average total loans | $103,945,500 | 3,356 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 492 |
| Cost of funding earning assets | 0.3089% | 4,155 |
| Net interest margin | 4.8173% | 357 |
| Noninterest income to average assets | 0.7585% | 1,944 |
| Noninterest expense to average assets | 3.1414% | 2,112 |
| Loan and lease loss provision to assets | 0.3976% | 344 |
| Net operating income to assets | 1.0276% | 2,216 |
| Return on assets (ROA) | 1.0276% | 2,303 |
| Pretax return on assets | 1.5528% | 1,395 |
| Return on Equity (ROE) | 8.8918% | 2,504 |
| Retained earnings to average equity (ytd only) | 4.1662% | 3,027 |
| Net charge-offs to loans | 0.5020% | 524 |
| Credit loss provision to net charge-offs | 93.8144% | 2,686 |
| Earnings coverage of net charge-offs (x) | 4.6021% | 3,519 |
| Efficiency ratio | 61.6956% | 4,656 |
| Assets per employee ($millions) | 4.0061% | 3,932 |
| Cash dividends to net income (ytd only)* | 53.1463% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,899 |
| Loan loss allowance to noncurrent loans | 142.4381% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 2,302 |
| Noncurrent loans to loans | 1.0676% | 2,208 |
| Net loans and leases to total assets | 86.6240% | 188 |
| Net loans and leases to deposits | 100.8811% | 618 |
| Net loans and leases to core deposits | 103.7377% | 1,239 |
| Total domestic deposits to total assets | 85.8674% | 2,699 |
| Equity capital to assets | 11.5693% | 2,305 |
| Core capital (leverage) ratio | 11.3791% | 2,060 |
| Tier 1 risk-based capital ratio | 12.3876% | 4,708 |
| Total risk-based capital ratio | 13.6401% | 4,599 |
| Memoranda: | ||
| Average total assets | $114,438,000 | 4,170 |
| Average earning assets | $102,940,600 | 4,212 |
| Average equity | $13,225,600 | 4,091 |
| Average total loans | $96,618,800 | 3,447 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 489 |
| Cost of funding earning assets | 0.3042% | 4,288 |
| Net interest margin | 4.8253% | 358 |
| Noninterest income to average assets | 0.7438% | 2,051 |
| Noninterest expense to average assets | 3.0092% | 2,491 |
| Loan and lease loss provision to assets | 0.4444% | 250 |
| Net operating income to assets | 1.0806% | 2,091 |
| Return on assets (ROA) | 1.0806% | 2,177 |
| Pretax return on assets | 1.6315% | 1,292 |
| Return on Equity (ROE) | 9.3531% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.5450% | 3,238 |
| Net charge-offs to loans | 0.4760% | 517 |
| Credit loss provision to net charge-offs | 111.7647% | 2,091 |
| Earnings coverage of net charge-offs (x) | 5.2206% | 3,234 |
| Efficiency ratio | 59.1766% | 4,982 |
| Assets per employee ($millions) | 4.1470% | 3,626 |
| Cash dividends to net income (ytd only)* | 51.4071% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 1,605 |
| Loan loss allowance to noncurrent loans | 181.8589% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 2,947 |
| Noncurrent loans to loans | 0.9082% | 2,703 |
| Net loans and leases to total assets | 83.2789% | 445 |
| Net loans and leases to deposits | 96.9638% | 910 |
| Net loans and leases to core deposits | 99.7051% | 1,543 |
| Total domestic deposits to total assets | 85.8866% | 2,593 |
| Equity capital to assets | 11.4884% | 2,516 |
| Core capital (leverage) ratio | 11.7540% | 1,851 |
| Tier 1 risk-based capital ratio | 12.7357% | 4,589 |
| Total risk-based capital ratio | 13.9891% | 4,492 |
| Memoranda: | ||
| Average total assets | $114,003,000 | 4,221 |
| Average earning assets | $102,567,750 | 4,268 |
| Average equity | $13,171,750 | 4,149 |
| Average total loans | $95,225,500 | 3,506 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0990% | 503 |
| Cost of funding earning assets | 0.3002% | 4,395 |
| Net interest margin | 4.7988% | 367 |
| Noninterest income to average assets | 0.7767% | 1,890 |
| Noninterest expense to average assets | 2.9144% | 2,846 |
| Loan and lease loss provision to assets | 0.1854% | 1,090 |
| Net operating income to assets | 1.3133% | 1,277 |
| Return on assets (ROA) | 1.3133% | 1,336 |
| Pretax return on assets | 1.9947% | 597 |
| Return on Equity (ROE) | 11.3452% | 1,572 |
| Retained earnings to average equity (ytd only) | 6.3893% | 2,011 |
| Net charge-offs to loans | 0.2824% | 931 |
| Credit loss provision to net charge-offs | 78.9474% | 2,346 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 2,468 |
| Efficiency ratio | 57.2072% | 5,312 |
| Assets per employee ($millions) | 4.0351% | 3,811 |
| Cash dividends to net income (ytd only)* | 43.6828% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 1,762 |
| Loan loss allowance to noncurrent loans | 231.2036% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 3,604 |
| Noncurrent loans to loans | 0.7114% | 3,356 |
| Net loans and leases to total assets | 82.3497% | 520 |
| Net loans and leases to deposits | 96.3068% | 936 |
| Net loans and leases to core deposits | 99.6092% | 1,522 |
| Total domestic deposits to total assets | 85.5077% | 2,918 |
| Equity capital to assets | 11.7822% | 2,176 |
| Core capital (leverage) ratio | 11.6330% | 1,902 |
| Tier 1 risk-based capital ratio | 12.9968% | 4,524 |
| Total risk-based capital ratio | 14.2504% | 4,434 |
| Memoranda: | ||
| Average total assets | $113,298,330 | 4,271 |
| Average earning assets | $101,941,670 | 4,319 |
| Average equity | $13,115,670 | 4,186 |
| Average total loans | $94,192,330 | 3,548 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 502 |
| Cost of funding earning assets | 0.2843% | 4,616 |
| Net interest margin | 4.7945% | 357 |
| Noninterest income to average assets | 0.7369% | 1,982 |
| Noninterest expense to average assets | 2.8910% | 2,938 |
| Loan and lease loss provision to assets | 0.1763% | 1,100 |
| Net operating income to assets | 1.3433% | 1,154 |
| Return on assets (ROA) | 1.3433% | 1,219 |
| Pretax return on assets | 2.0096% | 576 |
| Return on Equity (ROE) | 11.7073% | 1,424 |
| Retained earnings to average equity (ytd only) | 6.3299% | 2,322 |
| Net charge-offs to loans | 0.5958% | 407 |
| Credit loss provision to net charge-offs | 35.7143% | 2,220 |
| Earnings coverage of net charge-offs (x) | 4.4286% | 2,497 |
| Efficiency ratio | 56.9444% | 5,440 |
| Assets per employee ($millions) | 4.0266% | 3,904 |
| Cash dividends to net income (ytd only)* | 45.9318% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,111 |
| Loan loss allowance to noncurrent loans | 134.8375% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 2,642 |
| Noncurrent loans to loans | 1.1746% | 2,427 |
| Net loans and leases to total assets | 82.3382% | 427 |
| Net loans and leases to deposits | 94.3578% | 945 |
| Net loans and leases to core deposits | 97.5270% | 1,518 |
| Total domestic deposits to total assets | 87.2616% | 2,233 |
| Equity capital to assets | 11.6350% | 2,349 |
| Core capital (leverage) ratio | 11.6590% | 1,883 |
| Tier 1 risk-based capital ratio | 12.7153% | 4,776 |
| Total risk-based capital ratio | 13.9676% | 4,696 |
| Memoranda: | ||
| Average total assets | $113,455,500 | 4,295 |
| Average earning assets | $102,701,000 | 4,331 |
| Average equity | $13,017,500 | 4,234 |
| Average total loans | $93,989,500 | 3,560 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1802% | 542 |
| Cost of funding earning assets | 0.3131% | 4,649 |
| Net interest margin | 4.8672% | 377 |
| Noninterest income to average assets | 0.5774% | 3,002 |
| Noninterest expense to average assets | 3.1231% | 2,439 |
| Loan and lease loss provision to assets | 0.1877% | 1,366 |
| Net operating income to assets | 1.0959% | 1,988 |
| Return on assets (ROA) | 1.0959% | 2,043 |
| Pretax return on assets | 1.6438% | 1,111 |
| Return on Equity (ROE) | 9.7413% | 2,228 |
| Retained earnings to average equity (ytd only) | 4.8548% | 2,712 |
| Net charge-offs to loans | 0.0381% | 4,070 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 58.5429% | 807 |
| Efficiency ratio | 61.5912% | 4,972 |
| Assets per employee ($millions) | 3.8055% | 4,333 |
| Cash dividends to net income (ytd only)* | 50.1631% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 1,796 |
| Loan loss allowance to noncurrent loans | 168.8699% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 3,134 |
| Noncurrent loans to loans | 1.0016% | 2,827 |
| Net loans and leases to total assets | 80.6447% | 654 |
| Net loans and leases to deposits | 92.0597% | 1,282 |
| Net loans and leases to core deposits | 95.0929% | 1,803 |
| Total domestic deposits to total assets | 87.6004% | 1,977 |
| Equity capital to assets | 11.3143% | 2,594 |
| Core capital (leverage) ratio | 11.3664% | 2,078 |
| Tier 1 risk-based capital ratio | 13.0740% | 4,680 |
| Total risk-based capital ratio | 14.3284% | 4,593 |
| Memoranda: | ||
| Average total assets | $111,875,000 | 4,350 |
| Average earning assets | $100,613,000 | 4,379 |
| Average equity | $12,585,600 | 4,262 |
| Average total loans | $91,975,200 | 3,589 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2051% | 518 |
| Cost of funding earning assets | 0.3151% | 4,727 |
| Net interest margin | 4.8900% | 350 |
| Noninterest income to average assets | 0.5702% | 3,068 |
| Noninterest expense to average assets | 3.1409% | 2,348 |
| Loan and lease loss provision to assets | 0.2156% | 1,061 |
| Net operating income to assets | 1.0709% | 2,151 |
| Return on assets (ROA) | 1.0709% | 2,217 |
| Pretax return on assets | 1.6004% | 1,320 |
| Return on Equity (ROE) | 9.5337% | 2,436 |
| Retained earnings to average equity (ytd only) | 4.5749% | 3,386 |
| Net charge-offs to loans | 0.0350% | 3,789 |
| Credit loss provision to net charge-offs | 750.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 63.1650% | 836 |
| Efficiency ratio | 61.9140% | 4,897 |
| Assets per employee ($millions) | 3.6166% | 4,647 |
| Cash dividends to net income (ytd only)* | 52.0131% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 1,912 |
| Loan loss allowance to noncurrent loans | 141.8858% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 2,967 |
| Noncurrent loans to loans | 1.2117% | 2,619 |
| Net loans and leases to total assets | 79.7973% | 740 |
| Net loans and leases to deposits | 91.0482% | 1,318 |
| Net loans and leases to core deposits | 94.0974% | 1,854 |
| Total domestic deposits to total assets | 87.6429% | 1,958 |
| Equity capital to assets | 11.3661% | 2,614 |
| Core capital (leverage) ratio | 11.4484% | 2,102 |
| Tier 1 risk-based capital ratio | 13.1978% | 4,729 |
| Total risk-based capital ratio | 14.4529% | 4,661 |
| Memoranda: | ||
| Average total assets | $111,302,500 | 4,393 |
| Average earning assets | $99,848,250 | 4,443 |
| Average equity | $12,502,750 | 4,301 |
| Average total loans | $91,556,000 | 3,626 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 519 |
| Cost of funding earning assets | 0.3137% | 4,840 |
| Net interest margin | 4.8746% | 360 |
| Noninterest income to average assets | 0.4863% | 3,585 |
| Noninterest expense to average assets | 3.0514% | 2,658 |
| Loan and lease loss provision to assets | 0.2702% | 769 |
| Net operating income to assets | 1.0303% | 2,201 |
| Return on assets (ROA) | 1.0303% | 2,266 |
| Pretax return on assets | 1.5311% | 1,452 |
| Return on Equity (ROE) | 9.2090% | 2,499 |
| Retained earnings to average equity (ytd only) | 4.1376% | 3,543 |
| Net charge-offs to loans | 0.0480% | 3,293 |
| Credit loss provision to net charge-offs | 681.8182% | 459 |
| Earnings coverage of net charge-offs (x) | 45.4545% | 968 |
| Efficiency ratio | 61.3957% | 5,093 |
| Assets per employee ($millions) | 3.8310% | 4,198 |
| Cash dividends to net income (ytd only)* | 55.0699% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 2,153 |
| Loan loss allowance to noncurrent loans | 102.7406% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3555% | 2,413 |
| Noncurrent loans to loans | 1.6471% | 2,114 |
| Net loans and leases to total assets | 80.3672% | 645 |
| Net loans and leases to deposits | 91.6056% | 1,201 |
| Net loans and leases to core deposits | 94.1757% | 1,756 |
| Total domestic deposits to total assets | 87.7318% | 2,068 |
| Equity capital to assets | 11.3159% | 2,591 |
| Core capital (leverage) ratio | 11.2295% | 2,218 |
| Tier 1 risk-based capital ratio | 12.9759% | 4,925 |
| Total risk-based capital ratio | 14.2300% | 4,863 |
| Memoranda: | ||
| Average total assets | $111,032,000 | 4,424 |
| Average earning assets | $99,454,670 | 4,483 |
| Average equity | $12,422,670 | 4,327 |
| Average total loans | $91,731,670 | 3,647 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 471 |
| Cost of funding earning assets | 0.3188% | 4,875 |
| Net interest margin | 4.8948% | 322 |
| Noninterest income to average assets | 0.3568% | 4,531 |
| Noninterest expense to average assets | 3.0559% | 2,675 |
| Loan and lease loss provision to assets | 0.2703% | 769 |
| Net operating income to assets | 0.9009% | 2,645 |
| Return on assets (ROA) | 0.9009% | 2,713 |
| Pretax return on assets | 1.4018% | 1,739 |
| Return on Equity (ROE) | 8.0985% | 2,881 |
| Retained earnings to average equity (ytd only) | 2.7535% | 4,435 |
| Net charge-offs to loans | 0.0304% | 2,978 |
| Credit loss provision to net charge-offs | 1,071.4286% | 296 |
| Earnings coverage of net charge-offs (x) | 66.2857% | 610 |
| Efficiency ratio | 63.1098% | 4,986 |
| Assets per employee ($millions) | 3.8554% | 4,226 |
| Cash dividends to net income (ytd only)* | 66.0000% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,601 |
| Loan loss allowance to noncurrent loans | 95.5987% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3908% | 2,553 |
| Noncurrent loans to loans | 1.6980% | 2,286 |
| Net loans and leases to total assets | 80.0601% | 544 |
| Net loans and leases to deposits | 92.0725% | 946 |
| Net loans and leases to core deposits | 95.2833% | 1,445 |
| Total domestic deposits to total assets | 86.9533% | 2,840 |
| Equity capital to assets | 11.0790% | 2,648 |
| Core capital (leverage) ratio | 11.0756% | 2,324 |
| Tier 1 risk-based capital ratio | 12.6982% | 5,187 |
| Total risk-based capital ratio | 13.9519% | 5,123 |
| Memoranda: | ||
| Average total assets | $110,998,000 | 4,470 |
| Average earning assets | $99,126,000 | 4,533 |
| Average equity | $12,348,000 | 4,363 |
| Average total loans | $92,185,000 | 3,656 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 399 |
| Cost of funding earning assets | 0.3793% | 4,844 |
| Net interest margin | 5.0658% | 279 |
| Noninterest income to average assets | 0.8082% | 2,046 |
| Noninterest expense to average assets | 3.0837% | 2,785 |
| Loan and lease loss provision to assets | 0.5011% | 559 |
| Net operating income to assets | 1.1833% | 1,633 |
| Return on assets (ROA) | 1.1833% | 1,695 |
| Pretax return on assets | 1.7662% | 822 |
| Return on Equity (ROE) | 10.7300% | 1,849 |
| Retained earnings to average equity (ytd only) | 5.7277% | 2,145 |
| Net charge-offs to loans | 0.5519% | 1,197 |
| Credit loss provision to net charge-offs | 108.7824% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.9222% | 3,422 |
| Efficiency ratio | 56.2543% | 5,923 |
| Assets per employee ($millions) | 3.7997% | 4,264 |
| Cash dividends to net income (ytd only)* | 46.6200% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,136 |
| Loan loss allowance to noncurrent loans | 136.6634% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 3,539 |
| Noncurrent loans to loans | 1.1041% | 3,328 |
| Net loans and leases to total assets | 83.4667% | 290 |
| Net loans and leases to deposits | 95.5414% | 763 |
| Net loans and leases to core deposits | 99.1933% | 1,216 |
| Total domestic deposits to total assets | 87.3618% | 2,544 |
| Equity capital to assets | 11.1707% | 2,458 |
| Core capital (leverage) ratio | 10.9552% | 2,435 |
| Tier 1 risk-based capital ratio | 12.2071% | 5,493 |
| Total risk-based capital ratio | 13.4592% | 5,419 |
| Memoranda: | ||
| Average total assets | $108,764,800 | 4,526 |
| Average earning assets | $97,536,200 | 4,578 |
| Average equity | $11,994,400 | 4,441 |
| Average total loans | $90,777,400 | 3,672 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4672% | 391 |
| Cost of funding earning assets | 0.3948% | 4,861 |
| Net interest margin | 5.0723% | 281 |
| Noninterest income to average assets | 0.8043% | 2,120 |
| Noninterest expense to average assets | 3.0686% | 2,761 |
| Loan and lease loss provision to assets | 0.5780% | 430 |
| Net operating income to assets | 1.1413% | 1,848 |
| Return on assets (ROA) | 1.1413% | 1,923 |
| Pretax return on assets | 1.7083% | 1,075 |
| Return on Equity (ROE) | 10.3837% | 2,042 |
| Retained earnings to average equity (ytd only) | 5.3486% | 2,830 |
| Net charge-offs to loans | 0.7426% | 806 |
| Credit loss provision to net charge-offs | 93.6255% | 2,541 |
| Earnings coverage of net charge-offs (x) | 3.7032% | 3,628 |
| Efficiency ratio | 55.9256% | 5,910 |
| Assets per employee ($millions) | 4.0916% | 3,650 |
| Cash dividends to net income (ytd only)* | 48.4919% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 3,658 |
| Loan loss allowance to noncurrent loans | 128.0500% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 3,734 |
| Noncurrent loans to loans | 1.1373% | 3,531 |
| Net loans and leases to total assets | 81.6516% | 391 |
| Net loans and leases to deposits | 93.1820% | 890 |
| Net loans and leases to core deposits | 97.2424% | 1,290 |
| Total domestic deposits to total assets | 87.6259% | 2,345 |
| Equity capital to assets | 10.9601% | 2,795 |
| Core capital (leverage) ratio | 11.0343% | 2,449 |
| Tier 1 risk-based capital ratio | 12.0588% | 5,746 |
| Total risk-based capital ratio | 13.3105% | 5,681 |
| Memoranda: | ||
| Average total assets | $108,408,500 | 4,576 |
| Average earning assets | $97,257,250 | 4,633 |
| Average equity | $11,915,750 | 4,510 |
| Average total loans | $90,126,500 | 3,712 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 385 |
| Cost of funding earning assets | 0.4106% | 4,854 |
| Net interest margin | 5.0721% | 273 |
| Noninterest income to average assets | 0.7519% | 2,401 |
| Noninterest expense to average assets | 3.0598% | 2,798 |
| Loan and lease loss provision to assets | 0.6870% | 344 |
| Net operating income to assets | 1.0676% | 2,045 |
| Return on assets (ROA) | 1.0676% | 2,162 |
| Pretax return on assets | 1.5689% | 1,445 |
| Return on Equity (ROE) | 9.7033% | 2,314 |
| Retained earnings to average equity (ytd only) | 4.6407% | 3,303 |
| Net charge-offs to loans | 1.1198% | 531 |
| Credit loss provision to net charge-offs | 73.7052% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.4203% | 3,714 |
| Efficiency ratio | 56.1649% | 5,948 |
| Assets per employee ($millions) | 3.7453% | 4,311 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,142 |
| Loan loss allowance to noncurrent loans | 129.7895% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.9393% | 3,910 |
| Noncurrent loans to loans | 1.0604% | 3,807 |
| Net loans and leases to total assets | 84.2534% | 222 |
| Net loans and leases to deposits | 97.3083% | 590 |
| Net loans and leases to core deposits | 101.8326% | 952 |
| Total domestic deposits to total assets | 86.5840% | 3,073 |
| Equity capital to assets | 11.3668% | 2,410 |
| Core capital (leverage) ratio | 10.6875% | 2,682 |
| Tier 1 risk-based capital ratio | 12.2274% | 5,662 |
| Total risk-based capital ratio | 13.4777% | 5,606 |
| Memoranda: | ||
| Average total assets | $107,720,330 | 4,616 |
| Average earning assets | $96,922,000 | 4,672 |
| Average equity | $11,851,670 | 4,563 |
| Average total loans | $89,656,670 | 3,731 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4527% | 393 |
| Cost of funding earning assets | 0.4285% | 4,828 |
| Net interest margin | 5.0241% | 288 |
| Noninterest income to average assets | 0.8832% | 1,822 |
| Noninterest expense to average assets | 2.9501% | 3,159 |
| Loan and lease loss provision to assets | 0.5131% | 519 |
| Net operating income to assets | 1.3193% | 1,231 |
| Return on assets (ROA) | 1.3193% | 1,334 |
| Pretax return on assets | 1.9313% | 687 |
| Return on Equity (ROE) | 12.1853% | 1,370 |
| Retained earnings to average equity (ytd only) | 7.1081% | 2,107 |
| Net charge-offs to loans | 0.7225% | 844 |
| Credit loss provision to net charge-offs | 86.4198% | 2,077 |
| Earnings coverage of net charge-offs (x) | 4.1173% | 2,610 |
| Efficiency ratio | 53.3288% | 6,272 |
| Assets per employee ($millions) | 3.8636% | 4,222 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,713 |
| Loan loss allowance to noncurrent loans | 95.7917% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 3,318 |
| Noncurrent loans to loans | 1.5933% | 3,149 |
| Net loans and leases to total assets | 77.3348% | 681 |
| Net loans and leases to deposits | 87.0625% | 1,243 |
| Net loans and leases to core deposits | 91.6989% | 1,531 |
| Total domestic deposits to total assets | 88.8267% | 1,780 |
| Equity capital to assets | 10.6306% | 3,401 |
| Core capital (leverage) ratio | 10.7167% | 2,534 |
| Tier 1 risk-based capital ratio | 12.3244% | 5,697 |
| Total risk-based capital ratio | 13.5766% | 5,653 |
| Memoranda: | ||
| Average total assets | $109,147,000 | 4,628 |
| Average earning assets | $98,007,000 | 4,686 |
| Average equity | $11,817,500 | 4,611 |
| Average total loans | $89,691,500 | 3,757 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7606% | 392 |
| Cost of funding earning assets | 0.5225% | 5,048 |
| Net interest margin | 5.2381% | 251 |
| Noninterest income to average assets | 1.1603% | 1,157 |
| Noninterest expense to average assets | 3.1400% | 2,809 |
| Loan and lease loss provision to assets | 0.4991% | 1,197 |
| Net operating income to assets | 1.4993% | 918 |
| Return on assets (ROA) | 1.4993% | 1,008 |
| Pretax return on assets | 2.2574% | 363 |
| Return on Equity (ROE) | 14.2385% | 952 |
| Retained earnings to average equity (ytd only) | 8.5788% | 942 |
| Net charge-offs to loans | 0.6463% | 1,820 |
| Credit loss provision to net charge-offs | 92.6606% | 3,360 |
| Earnings coverage of net charge-offs (x) | 5.1174% | 3,145 |
| Efficiency ratio | 51.8941% | 6,471 |
| Assets per employee ($millions) | 3.6638% | 4,643 |
| Cash dividends to net income (ytd only)* | 39.7495% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,776 |
| Loan loss allowance to noncurrent loans | 72.8388% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.8221% | 2,681 |
| Noncurrent loans to loans | 2.0505% | 2,641 |
| Net loans and leases to total assets | 84.7304% | 185 |
| Net loans and leases to deposits | 97.0987% | 555 |
| Net loans and leases to core deposits | 100.7554% | 981 |
| Total domestic deposits to total assets | 87.2621% | 2,670 |
| Equity capital to assets | 11.0344% | 2,906 |
| Core capital (leverage) ratio | 10.8850% | 2,354 |
| Tier 1 risk-based capital ratio | 11.6630% | 5,986 |
| Total risk-based capital ratio | 12.9150% | 5,946 |
| Memoranda: | ||
| Average total assets | $101,179,200 | 4,803 |
| Average earning assets | $91,483,800 | 4,826 |
| Average equity | $10,654,200 | 4,828 |
| Average total loans | $84,329,400 | 3,896 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8557% | 362 |
| Cost of funding earning assets | 0.5471% | 5,107 |
| Net interest margin | 5.3087% | 240 |
| Noninterest income to average assets | 1.1343% | 1,175 |
| Noninterest expense to average assets | 3.1614% | 2,674 |
| Loan and lease loss provision to assets | 0.4537% | 1,373 |
| Net operating income to assets | 1.5560% | 938 |
| Return on assets (ROA) | 1.5560% | 1,037 |
| Pretax return on assets | 2.3233% | 389 |
| Return on Equity (ROE) | 14.9674% | 909 |
| Retained earnings to average equity (ytd only) | 9.6916% | 1,002 |
| Net charge-offs to loans | 0.4812% | 2,173 |
| Credit loss provision to net charge-offs | 114.0940% | 2,558 |
| Earnings coverage of net charge-offs (x) | 6.9833% | 2,683 |
| Efficiency ratio | 51.8876% | 6,456 |
| Assets per employee ($millions) | 3.4623% | 5,055 |
| Cash dividends to net income (ytd only)* | 35.2489% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7101% | 3,117 |
| Loan loss allowance to noncurrent loans | 74.4725% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9471% | 2,716 |
| Noncurrent loans to loans | 2.2963% | 2,514 |
| Net loans and leases to total assets | 82.8307% | 291 |
| Net loans and leases to deposits | 93.8976% | 799 |
| Net loans and leases to core deposits | 97.6001% | 1,295 |
| Total domestic deposits to total assets | 88.2139% | 1,905 |
| Equity capital to assets | 10.7454% | 3,559 |
| Core capital (leverage) ratio | 10.4205% | 3,009 |
| Tier 1 risk-based capital ratio | 11.3478% | 6,328 |
| Total risk-based capital ratio | 12.6015% | 6,289 |
| Memoranda: | ||
| Average total assets | $99,911,500 | 4,881 |
| Average earning assets | $90,416,000 | 4,896 |
| Average equity | $10,386,750 | 4,942 |
| Average total loans | $82,564,000 | 4,006 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8741% | 362 |
| Cost of funding earning assets | 0.5590% | 5,238 |
| Net interest margin | 5.3151% | 240 |
| Noninterest income to average assets | 1.1509% | 1,071 |
| Noninterest expense to average assets | 3.0497% | 3,084 |
| Loan and lease loss provision to assets | 0.3509% | 1,874 |
| Net operating income to assets | 1.7304% | 634 |
| Return on assets (ROA) | 1.7304% | 714 |
| Pretax return on assets | 2.5926% | 265 |
| Return on Equity (ROE) | 16.8346% | 662 |
| Retained earnings to average equity (ytd only) | 11.0995% | 732 |
| Net charge-offs to loans | 0.7206% | 1,534 |
| Credit loss provision to net charge-offs | 59.3220% | 3,815 |
| Earnings coverage of net charge-offs (x) | 4.9763% | 2,943 |
| Efficiency ratio | 49.5483% | 6,676 |
| Assets per employee ($millions) | 3.3679% | 5,279 |
| Cash dividends to net income (ytd only)* | 34.0672% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 3,857 |
| Loan loss allowance to noncurrent loans | 177.2414% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 4,974 |
| Noncurrent loans to loans | 0.8651% | 4,769 |
| Net loans and leases to total assets | 81.6758% | 356 |
| Net loans and leases to deposits | 92.1292% | 939 |
| Net loans and leases to core deposits | 95.1602% | 1,496 |
| Total domestic deposits to total assets | 88.6535% | 1,736 |
| Equity capital to assets | 10.4794% | 3,715 |
| Core capital (leverage) ratio | 10.0368% | 3,373 |
| Tier 1 risk-based capital ratio | 11.2107% | 6,394 |
| Total risk-based capital ratio | 12.4627% | 6,374 |
| Memoranda: | ||
| Average total assets | $99,746,670 | 4,901 |
| Average earning assets | $90,873,000 | 4,903 |
| Average equity | $10,252,670 | 4,972 |
| Average total loans | $81,880,670 | 4,043 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 393 |
| Cost of funding earning assets | 0.5712% | 5,353 |
| Net interest margin | 5.2768% | 264 |
| Noninterest income to average assets | 1.0454% | 1,324 |
| Noninterest expense to average assets | 2.9949% | 3,269 |
| Loan and lease loss provision to assets | 0.6054% | 943 |
| Net operating income to assets | 1.5338% | 969 |
| Return on assets (ROA) | 1.5338% | 1,087 |
| Pretax return on assets | 2.2926% | 459 |
| Return on Equity (ROE) | 15.0719% | 958 |
| Retained earnings to average equity (ytd only) | 8.0516% | 1,968 |
| Net charge-offs to loans | 1.6066% | 616 |
| Credit loss provision to net charge-offs | 46.1538% | 3,344 |
| Earnings coverage of net charge-offs (x) | 2.2092% | 3,283 |
| Efficiency ratio | 49.4521% | 6,710 |
| Assets per employee ($millions) | 3.5943% | 4,898 |
| Cash dividends to net income (ytd only)* | 46.5789% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 4,138 |
| Loan loss allowance to noncurrent loans | 104.4143% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 4,142 |
| Noncurrent loans to loans | 1.4397% | 3,954 |
| Net loans and leases to total assets | 80.0795% | 395 |
| Net loans and leases to deposits | 89.8933% | 973 |
| Net loans and leases to core deposits | 91.5236% | 1,699 |
| Total domestic deposits to total assets | 89.0829% | 1,650 |
| Equity capital to assets | 10.1133% | 3,977 |
| Core capital (leverage) ratio | 10.1043% | 3,234 |
| Tier 1 risk-based capital ratio | 11.0335% | 6,519 |
| Total risk-based capital ratio | 12.2856% | 6,500 |
| Memoranda: | ||
| Average total assets | $99,102,000 | 4,956 |
| Average earning assets | $91,040,000 | 4,934 |
| Average equity | $10,085,000 | 5,022 |
| Average total loans | $80,917,500 | 4,096 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8545% | 571 |
| Cost of funding earning assets | 0.7934% | 4,914 |
| Net interest margin | 5.0611% | 358 |
| Noninterest income to average assets | 0.6826% | 2,703 |
| Noninterest expense to average assets | 2.9089% | 3,927 |
| Loan and lease loss provision to assets | 0.2566% | 3,640 |
| Net operating income to assets | 1.4339% | 960 |
| Return on assets (ROA) | 1.4339% | 1,044 |
| Pretax return on assets | 2.1463% | 406 |
| Return on Equity (ROE) | 14.8677% | 767 |
| Retained earnings to average equity (ytd only) | 9.0994% | 776 |
| Net charge-offs to loans | 0.0470% | 5,837 |
| Credit loss provision to net charge-offs | 694.4444% | 318 |
| Earnings coverage of net charge-offs (x) | 65.0278% | 457 |
| Efficiency ratio | 53.2174% | 6,585 |
| Assets per employee ($millions) | 3.4844% | 5,051 |
| Cash dividends to net income (ytd only)* | 38.7974% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 2,999 |
| Loan loss allowance to noncurrent loans | 116.6944% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.3970% | 3,898 |
| Noncurrent loans to loans | 1.5048% | 3,890 |
| Net loans and leases to total assets | 80.5707% | 437 |
| Net loans and leases to deposits | 90.9120% | 1,067 |
| Net loans and leases to core deposits | 92.8931% | 1,804 |
| Total domestic deposits to total assets | 88.6249% | 1,769 |
| Equity capital to assets | 10.2415% | 3,862 |
| Core capital (leverage) ratio | 9.6673% | 3,787 |
| Tier 1 risk-based capital ratio | 11.1217% | 6,395 |
| Total risk-based capital ratio | 12.3763% | 6,370 |
| Memoranda: | ||
| Average total assets | $97,423,600 | 4,967 |
| Average earning assets | $89,110,200 | 4,957 |
| Average equity | $9,396,200 | 5,181 |
| Average total loans | $76,535,600 | 4,252 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8080% | 691 |
| Cost of funding earning assets | 0.8293% | 4,953 |
| Net interest margin | 4.9788% | 434 |
| Noninterest income to average assets | 0.6667% | 2,791 |
| Noninterest expense to average assets | 2.9024% | 3,925 |
| Loan and lease loss provision to assets | 0.1232% | 4,897 |
| Net operating income to assets | 1.4758% | 992 |
| Return on assets (ROA) | 1.4758% | 1,074 |
| Pretax return on assets | 2.1946% | 430 |
| Return on Equity (ROE) | 15.5430% | 742 |
| Retained earnings to average equity (ytd only) | 10.4965% | 729 |
| Net charge-offs to loans | -0.0388% | 7,006 |
| Credit loss provision to net charge-offs | -409.0909% | 6,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0257% | 6,486 |
| Assets per employee ($millions) | 3.2927% | 5,494 |
| Cash dividends to net income (ytd only)* | 32.4678% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 3,497 |
| Loan loss allowance to noncurrent loans | 84.5006% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.7028% | 3,534 |
| Noncurrent loans to loans | 1.9361% | 3,452 |
| Net loans and leases to total assets | 82.0449% | 353 |
| Net loans and leases to deposits | 92.8290% | 931 |
| Net loans and leases to core deposits | 94.6126% | 1,734 |
| Total domestic deposits to total assets | 88.3828% | 1,817 |
| Equity capital to assets | 10.2945% | 3,963 |
| Core capital (leverage) ratio | 9.7414% | 3,787 |
| Tier 1 risk-based capital ratio | 10.8938% | 6,606 |
| Total risk-based capital ratio | 12.1465% | 6,586 |
| Memoranda: | ||
| Average total assets | $97,388,500 | 5,000 |
| Average earning assets | $89,069,500 | 4,990 |
| Average equity | $9,247,250 | 5,246 |
| Average total loans | $75,666,250 | 4,326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7122% | 856 |
| Cost of funding earning assets | 0.8542% | 5,030 |
| Net interest margin | 4.8580% | 541 |
| Noninterest income to average assets | 0.6631% | 2,747 |
| Noninterest expense to average assets | 2.7892% | 4,472 |
| Loan and lease loss provision to assets | 0.0612% | 5,540 |
| Net operating income to assets | 1.5303% | 835 |
| Return on assets (ROA) | 1.5303% | 889 |
| Pretax return on assets | 2.2689% | 368 |
| Return on Equity (ROE) | 16.5691% | 603 |
| Retained earnings to average equity (ytd only) | 11.4879% | 593 |
| Net charge-offs to loans | -0.0027% | 6,540 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8896% | 6,726 |
| Assets per employee ($millions) | 3.2222% | 5,594 |
| Cash dividends to net income (ytd only)* | 30.6667% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 3,553 |
| Loan loss allowance to noncurrent loans | 255.6485% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 5,754 |
| Noncurrent loans to loans | 0.6400% | 5,644 |
| Net loans and leases to total assets | 76.0029% | 1,070 |
| Net loans and leases to deposits | 85.1805% | 1,915 |
| Net loans and leases to core deposits | 87.5110% | 2,701 |
| Total domestic deposits to total assets | 89.2258% | 1,401 |
| Equity capital to assets | 9.6601% | 4,588 |
| Core capital (leverage) ratio | 9.0960% | 4,574 |
| Tier 1 risk-based capital ratio | 11.0377% | 6,496 |
| Total risk-based capital ratio | 12.2908% | 6,479 |
| Memoranda: | ||
| Average total assets | $98,022,000 | 5,023 |
| Average earning assets | $89,913,000 | 4,997 |
| Average equity | $9,053,000 | 5,310 |
| Average total loans | $74,339,670 | 4,420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7140% | 854 |
| Cost of funding earning assets | 0.8866% | 5,020 |
| Net interest margin | 4.8274% | 538 |
| Noninterest income to average assets | 0.6565% | 2,799 |
| Noninterest expense to average assets | 2.6950% | 4,856 |
| Loan and lease loss provision to assets | 0.0608% | 5,238 |
| Net operating income to assets | 1.5400% | 797 |
| Return on assets (ROA) | 1.5400% | 838 |
| Pretax return on assets | 2.3141% | 335 |
| Return on Equity (ROE) | 17.0585% | 560 |
| Retained earnings to average equity (ytd only) | 12.1205% | 721 |
| Net charge-offs to loans | -0.0216% | 6,590 |
| Credit loss provision to net charge-offs | -375.0000% | 5,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5588% | 6,888 |
| Assets per employee ($millions) | 3.6183% | 4,722 |
| Cash dividends to net income (ytd only)* | 28.9474% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 3,542 |
| Loan loss allowance to noncurrent loans | 292.9782% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 5,940 |
| Noncurrent loans to loans | 0.5620% | 5,902 |
| Net loans and leases to total assets | 73.9889% | 1,346 |
| Net loans and leases to deposits | 82.5439% | 2,263 |
| Net loans and leases to core deposits | 84.7634% | 3,063 |
| Total domestic deposits to total assets | 89.6359% | 1,401 |
| Equity capital to assets | 9.2791% | 4,765 |
| Core capital (leverage) ratio | 8.9406% | 4,708 |
| Tier 1 risk-based capital ratio | 10.7843% | 6,647 |
| Total risk-based capital ratio | 12.0368% | 6,625 |
| Memoranda: | ||
| Average total assets | $98,700,000 | 5,033 |
| Average earning assets | $90,235,000 | 5,030 |
| Average equity | $8,910,500 | 5,358 |
| Average total loans | $74,164,000 | 4,456 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3732% | 403 |
| Cost of funding earning assets | 1.2205% | 4,421 |
| Net interest margin | 5.1527% | 319 |
| Noninterest income to average assets | 0.4903% | 4,247 |
| Noninterest expense to average assets | 3.2136% | 3,036 |
| Loan and lease loss provision to assets | 0.6770% | 2,436 |
| Net operating income to assets | 0.9144% | 2,332 |
| Return on assets (ROA) | 0.9144% | 2,462 |
| Pretax return on assets | 1.2899% | 1,957 |
| Return on Equity (ROE) | 10.4625% | 1,772 |
| Retained earnings to average equity (ytd only) | 6.4190% | 1,607 |
| Net charge-offs to loans | 0.2411% | 4,836 |
| Credit loss provision to net charge-offs | 358.4795% | 716 |
| Earnings coverage of net charge-offs (x) | 10.4152% | 1,706 |
| Efficiency ratio | 60.3070% | 5,999 |
| Assets per employee ($millions) | 3.4382% | 5,089 |
| Cash dividends to net income (ytd only)* | 38.6473% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 3,606 |
| Loan loss allowance to noncurrent loans | 174.8899% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 5,494 |
| Noncurrent loans to loans | 0.9100% | 5,236 |
| Net loans and leases to total assets | 73.8614% | 1,687 |
| Net loans and leases to deposits | 82.7751% | 2,665 |
| Net loans and leases to core deposits | 84.6923% | 3,494 |
| Total domestic deposits to total assets | 89.2314% | 1,524 |
| Equity capital to assets | 8.7817% | 5,462 |
| Core capital (leverage) ratio | 8.7558% | 4,925 |
| Tier 1 risk-based capital ratio | 10.1092% | 6,932 |
| Total risk-based capital ratio | 11.3609% | 6,910 |
| Memoranda: | ||
| Average total assets | $90,552,200 | 5,273 |
| Average earning assets | $82,423,400 | 5,259 |
| Average equity | $7,914,000 | 5,742 |
| Average total loans | $70,916,000 | 4,653 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4902% | 349 |
| Cost of funding earning assets | 1.2944% | 4,250 |
| Net interest margin | 5.1958% | 299 |
| Noninterest income to average assets | 0.4879% | 4,278 |
| Noninterest expense to average assets | 3.2508% | 2,734 |
| Loan and lease loss provision to assets | 0.9033% | 1,678 |
| Net operating income to assets | 0.8112% | 2,954 |
| Return on assets (ROA) | 0.8112% | 3,102 |
| Pretax return on assets | 1.0695% | 2,933 |
| Return on Equity (ROE) | 9.2942% | 2,391 |
| Retained earnings to average equity (ytd only) | 6.3519% | 2,172 |
| Net charge-offs to loans | 0.2555% | 4,413 |
| Credit loss provision to net charge-offs | 446.2687% | 675 |
| Earnings coverage of net charge-offs (x) | 9.7464% | 1,970 |
| Efficiency ratio | 60.4974% | 5,874 |
| Assets per employee ($millions) | 3.1693% | 5,751 |
| Cash dividends to net income (ytd only)* | 31.6573% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,564 |
| Loan loss allowance to noncurrent loans | 345.5840% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 5,846 |
| Noncurrent loans to loans | 0.4601% | 6,268 |
| Net loans and leases to total assets | 81.6790% | 541 |
| Net loans and leases to deposits | 92.5181% | 1,381 |
| Net loans and leases to core deposits | 95.1881% | 2,357 |
| Total domestic deposits to total assets | 88.2843% | 1,810 |
| Equity capital to assets | 9.4689% | 4,891 |
| Core capital (leverage) ratio | 8.8441% | 4,933 |
| Tier 1 risk-based capital ratio | 9.6862% | 7,195 |
| Total risk-based capital ratio | 10.9383% | 7,185 |
| Memoranda: | ||
| Average total assets | $88,263,500 | 5,407 |
| Average earning assets | $80,447,000 | 5,390 |
| Average equity | $7,703,500 | 5,879 |
| Average total loans | $69,936,000 | 4,760 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4225% | 389 |
| Cost of funding earning assets | 1.3550% | 4,164 |
| Net interest margin | 5.0675% | 367 |
| Noninterest income to average assets | 0.5055% | 4,071 |
| Noninterest expense to average assets | 3.3062% | 2,544 |
| Loan and lease loss provision to assets | 0.4664% | 2,984 |
| Net operating income to assets | 1.0040% | 2,182 |
| Return on assets (ROA) | 1.0040% | 2,262 |
| Pretax return on assets | 1.3556% | 1,934 |
| Return on Equity (ROE) | 11.8584% | 1,488 |
| Retained earnings to average equity (ytd only) | 9.1448% | 1,065 |
| Net charge-offs to loans | 0.2920% | 3,868 |
| Credit loss provision to net charge-offs | 205.0505% | 1,898 |
| Earnings coverage of net charge-offs (x) | 8.0101% | 2,206 |
| Efficiency ratio | 62.6792% | 5,577 |
| Assets per employee ($millions) | 3.2258% | 5,618 |
| Cash dividends to net income (ytd only)* | 22.8833% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 5,850 |
| Loan loss allowance to noncurrent loans | 200.7059% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 5,593 |
| Noncurrent loans to loans | 0.5579% | 6,135 |
| Net loans and leases to total assets | 80.5232% | 725 |
| Net loans and leases to deposits | 90.9801% | 1,692 |
| Net loans and leases to core deposits | 93.6216% | 2,778 |
| Total domestic deposits to total assets | 88.5063% | 1,725 |
| Equity capital to assets | 9.0072% | 5,441 |
| Core capital (leverage) ratio | 8.4383% | 5,516 |
| Tier 1 risk-based capital ratio | 9.4085% | 7,300 |
| Total risk-based capital ratio | 10.4138% | 7,379 |
| Memoranda: | ||
| Average total assets | $87,047,670 | 5,483 |
| Average earning assets | $79,408,000 | 5,462 |
| Average equity | $7,370,330 | 6,009 |
| Average total loans | $67,819,670 | 4,871 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5046% | 357 |
| Cost of funding earning assets | 1.4408% | 3,933 |
| Net interest margin | 5.0638% | 366 |
| Noninterest income to average assets | 0.5537% | 3,624 |
| Noninterest expense to average assets | 3.6469% | 1,623 |
| Loan and lease loss provision to assets | 0.1909% | 4,588 |
| Net operating income to assets | 0.9833% | 2,246 |
| Return on assets (ROA) | 0.9833% | 2,306 |
| Pretax return on assets | 1.3127% | 2,017 |
| Return on Equity (ROE) | 12.0424% | 1,491 |
| Retained earnings to average equity (ytd only) | 6.1966% | 2,526 |
| Net charge-offs to loans | 0.4148% | 2,798 |
| Credit loss provision to net charge-offs | 60.6061% | 4,284 |
| Earnings coverage of net charge-offs (x) | 4.7727% | 2,552 |
| Efficiency ratio | 68.9527% | 4,513 |
| Assets per employee ($millions) | 3.3737% | 5,361 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,502 |
| Loan loss allowance to noncurrent loans | 176.7726% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 5,581 |
| Noncurrent loans to loans | 0.5618% | 6,175 |
| Net loans and leases to total assets | 73.6753% | 2,041 |
| Net loans and leases to deposits | 82.4669% | 3,203 |
| Net loans and leases to core deposits | 83.5528% | 4,263 |
| Total domestic deposits to total assets | 89.3393% | 1,337 |
| Equity capital to assets | 7.9695% | 6,689 |
| Core capital (leverage) ratio | 8.0497% | 6,165 |
| Tier 1 risk-based capital ratio | 8.9844% | 7,478 |
| Total risk-based capital ratio | 9.8706% | 7,563 |
| Memoranda: | ||
| Average total assets | $83,798,000 | 5,640 |
| Average earning assets | $76,069,000 | 5,634 |
| Average equity | $6,842,500 | 6,242 |
| Average total loans | $63,639,500 | 5,106 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1673% | 1,326 |
| Cost of funding earning assets | 1.6979% | 4,524 |
| Net interest margin | 4.4694% | 1,241 |
| Noninterest income to average assets | 0.4515% | 4,794 |
| Noninterest expense to average assets | 2.9891% | 4,187 |
| Loan and lease loss provision to assets | 0.1933% | 5,797 |
| Net operating income to assets | 0.9221% | 2,098 |
| Return on assets (ROA) | 0.9221% | 2,166 |
| Pretax return on assets | 1.3042% | 1,679 |
| Return on Equity (ROE) | 11.0202% | 1,414 |
| Retained earnings to average equity (ytd only) | 6.8590% | 1,014 |
| Net charge-offs to loans | 0.1529% | 5,739 |
| Credit loss provision to net charge-offs | 161.7284% | 2,736 |
| Earnings coverage of net charge-offs (x) | 12.5309% | 1,501 |
| Efficiency ratio | 66.6228% | 5,264 |
| Assets per employee ($millions) | 3.6716% | 4,589 |
| Cash dividends to net income (ytd only)* | 37.7600% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 4,366 |
| Loan loss allowance to noncurrent loans | 237.7778% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.9934% | 5,120 |
| Noncurrent loans to loans | 0.5782% | 6,086 |
| Net loans and leases to total assets | 77.0155% | 1,581 |
| Net loans and leases to deposits | 88.9533% | 2,396 |
| Net loans and leases to core deposits | 103.4724% | 3,630 |
| Total domestic deposits to total assets | 86.5797% | 2,716 |
| Equity capital to assets | 8.4404% | 5,994 |
| Core capital (leverage) ratio | 8.1305% | 5,943 |
| Tier 1 risk-based capital ratio | 10.1109% | 6,780 |
| Total risk-based capital ratio | 11.3365% | 6,758 |
| Memoranda: | ||
| Average total assets | $67,779,000 | 6,085 |
| Average earning assets | $61,193,800 | 6,088 |
| Average equity | $5,671,400 | 6,719 |
| Average total loans | $52,977,400 | 5,547 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1559% | 1,481 |
| Cost of funding earning assets | 1.7357% | 4,724 |
| Net interest margin | 4.4203% | 1,391 |
| Noninterest income to average assets | 0.4260% | 5,082 |
| Noninterest expense to average assets | 2.8654% | 4,591 |
| Loan and lease loss provision to assets | 0.2001% | 5,384 |
| Net operating income to assets | 0.9967% | 2,073 |
| Return on assets (ROA) | 0.9967% | 2,131 |
| Pretax return on assets | 1.3574% | 1,803 |
| Return on Equity (ROE) | 11.9391% | 1,372 |
| Retained earnings to average equity (ytd only) | 8.9483% | 850 |
| Net charge-offs to loans | 0.1242% | 5,452 |
| Credit loss provision to net charge-offs | 206.1224% | 2,152 |
| Earnings coverage of net charge-offs (x) | 16.0412% | 1,495 |
| Efficiency ratio | 64.7849% | 5,593 |
| Assets per employee ($millions) | 3.7772% | 4,234 |
| Cash dividends to net income (ytd only)* | 25.0503% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3747% | 4,086 |
| Loan loss allowance to noncurrent loans | 187.7500% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1342% | 4,806 |
| Noncurrent loans to loans | 0.7322% | 5,844 |
| Net loans and leases to total assets | 75.0763% | 2,229 |
| Net loans and leases to deposits | 86.9074% | 3,156 |
| Net loans and leases to core deposits | 100.1375% | 4,357 |
| Total domestic deposits to total assets | 86.3865% | 2,483 |
| Equity capital to assets | 8.1988% | 6,642 |
| Core capital (leverage) ratio | 8.5888% | 5,316 |
| Tier 1 risk-based capital ratio | 10.0204% | 6,958 |
| Total risk-based capital ratio | 11.2462% | 6,940 |
| Memoranda: | ||
| Average total assets | $67,283,750 | 6,137 |
| Average earning assets | $60,839,750 | 6,145 |
| Average equity | $5,617,250 | 6,809 |
| Average total loans | $52,603,000 | 5,610 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1789% | 1,529 |
| Cost of funding earning assets | 1.7783% | 4,870 |
| Net interest margin | 4.4006% | 1,410 |
| Noninterest income to average assets | 0.3922% | 5,358 |
| Noninterest expense to average assets | 2.9488% | 4,297 |
| Loan and lease loss provision to assets | 0.2128% | 4,917 |
| Net operating income to assets | 0.9029% | 2,447 |
| Return on assets (ROA) | 0.9029% | 2,545 |
| Pretax return on assets | 1.2251% | 2,229 |
| Return on Equity (ROE) | 10.7447% | 1,770 |
| Retained earnings to average equity (ytd only) | 7.0907% | 1,546 |
| Net charge-offs to loans | 0.1887% | 4,376 |
| Credit loss provision to net charge-offs | 142.8571% | 3,247 |
| Earnings coverage of net charge-offs (x) | 9.6531% | 2,095 |
| Efficiency ratio | 67.2211% | 5,310 |
| Assets per employee ($millions) | 3.3935% | 5,084 |
| Cash dividends to net income (ytd only)* | 34.0067% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 3,946 |
| Loan loss allowance to noncurrent loans | 138.9961% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.4393% | 4,089 |
| Noncurrent loans to loans | 0.9767% | 5,262 |
| Net loans and leases to total assets | 81.1406% | 1,110 |
| Net loans and leases to deposits | 95.7012% | 1,845 |
| Net loans and leases to core deposits | 109.2692% | 3,466 |
| Total domestic deposits to total assets | 84.7853% | 3,361 |
| Equity capital to assets | 8.7489% | 5,688 |
| Core capital (leverage) ratio | 8.3992% | 5,620 |
| Tier 1 risk-based capital ratio | 9.8632% | 7,074 |
| Total risk-based capital ratio | 11.0866% | 7,038 |
| Memoranda: | ||
| Average total assets | $65,789,330 | 6,234 |
| Average earning assets | $59,719,330 | 6,238 |
| Average equity | $5,528,330 | 6,888 |
| Average total loans | $51,927,000 | 5,679 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0301% | 2,234 |
| Cost of funding earning assets | 1.7806% | 5,206 |
| Net interest margin | 4.2495% | 1,752 |
| Noninterest income to average assets | 0.3793% | 5,394 |
| Noninterest expense to average assets | 2.9377% | 4,024 |
| Loan and lease loss provision to assets | 0.3612% | 3,152 |
| Net operating income to assets | 0.7104% | 3,503 |
| Return on assets (ROA) | 0.7104% | 3,699 |
| Pretax return on assets | 0.9451% | 3,550 |
| Return on Equity (ROE) | 8.6257% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.1433% | 4,126 |
| Net charge-offs to loans | 0.3660% | 2,633 |
| Credit loss provision to net charge-offs | 127.6596% | 3,128 |
| Earnings coverage of net charge-offs (x) | 4.6170% | 2,844 |
| Efficiency ratio | 69.2199% | 4,735 |
| Assets per employee ($millions) | 3.4369% | 4,977 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,459 |
| Loan loss allowance to noncurrent loans | 143.5484% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 4,017 |
| Noncurrent loans to loans | 0.9800% | 5,036 |
| Net loans and leases to total assets | 72.5941% | 3,095 |
| Net loans and leases to deposits | 85.0387% | 3,813 |
| Net loans and leases to core deposits | 96.0316% | 4,962 |
| Total domestic deposits to total assets | 85.3660% | 3,028 |
| Equity capital to assets | 8.0161% | 6,781 |
| Core capital (leverage) ratio | 8.5127% | 5,509 |
| Tier 1 risk-based capital ratio | 10.1671% | 6,748 |
| Total risk-based capital ratio | 11.3936% | 6,676 |
| Memoranda: | ||
| Average total assets | $66,445,500 | 6,237 |
| Average earning assets | $60,430,500 | 6,242 |
| Average equity | $5,472,000 | 6,957 |
| Average total loans | $51,372,000 | 5,740 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7439% | 1,888 |
| Cost of funding earning assets | 2.2947% | 5,175 |
| Net interest margin | 4.4491% | 1,540 |
| Noninterest income to average assets | 0.4034% | 5,442 |
| Noninterest expense to average assets | 2.9504% | 4,257 |
| Loan and lease loss provision to assets | 0.1235% | 5,780 |
| Net operating income to assets | 0.9500% | 2,792 |
| Return on assets (ROA) | 0.9500% | 2,650 |
| Pretax return on assets | 1.2974% | 2,321 |
| Return on Equity (ROE) | 11.7286% | 1,675 |
| Retained earnings to average equity (ytd only) | 3.2930% | 3,100 |
| Net charge-offs to loans | -0.0380% | 8,000 |
| Credit loss provision to net charge-offs | -416.6667% | 7,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4953% | 4,816 |
| Assets per employee ($millions) | 3.2077% | 5,466 |
| Cash dividends to net income (ytd only)* | 71.9237% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 3,530 |
| Loan loss allowance to noncurrent loans | 111.4833% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 3,316 |
| Noncurrent loans to loans | 1.2027% | 4,106 |
| Net loans and leases to total assets | 80.1727% | 1,618 |
| Net loans and leases to deposits | 94.9966% | 2,613 |
| Net loans and leases to core deposits | 108.1159% | 3,954 |
| Total domestic deposits to total assets | 84.3954% | 3,129 |
| Equity capital to assets | 8.4702% | 6,138 |
| Core capital (leverage) ratio | 8.2811% | 5,993 |
| Tier 1 risk-based capital ratio | 10.0148% | 6,722 |
| Total risk-based capital ratio | 11.2655% | 6,597 |
| Memoranda: | ||
| Average total assets | $60,736,600 | 6,362 |
| Average earning assets | $54,167,800 | 6,404 |
| Average equity | $4,919,600 | 7,173 |
| Average total loans | $47,309,400 | 5,809 |