Home > Nebraska Bank > Performance and Condition Ratios
Nebraska Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9318% | 693 |
| Cost of funding earning assets | 2.1060% | 774 |
| Net interest margin | 3.8258% | 1,524 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.4682% | 2,390 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.0111% | 2,182 |
| Return on assets (ROA) | 1.0141% | 2,154 |
| Pretax return on assets | 1.0443% | 2,552 |
| Return on Equity (ROE) | 11.6800% | 2,046 |
| Retained earnings to average equity (ytd only) | 6.5520% | 2,044 |
| Net charge-offs to loans | 0.2981% | 363 |
| Credit loss provision to net charge-offs | 117.0319% | 1,700 |
| Earnings coverage of net charge-offs (x) | 5.5637% | 2,522 |
| Efficiency ratio | 65.1789% | 2,456 |
| Assets per employee ($millions) | 7.5900% | 1,665 |
| Cash dividends to net income (ytd only)* | 43.9013% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,083 |
| Loan loss allowance to noncurrent loans | 210.7037% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.7357% | 192 |
| Noncurrent loans to loans | 0.5870% | 1,343 |
| Net loans and leases to total assets | 78.4800% | 816 |
| Net loans and leases to deposits | 90.7471% | 1,212 |
| Net loans and leases to core deposits | 106.6836% | 1,083 |
| Total domestic deposits to total assets | 86.4900% | 1,864 |
| Equity capital to assets | 8.9035% | 2,743 |
| Core capital (leverage) ratio | 9.0610% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6049% | 2,689 |
| Memoranda: | ||
| Average total assets | $423,634,200 | 1,943 |
| Average earning assets | $392,596,600 | 1,939 |
| Average equity | $36,782,800 | 1,992 |
| Average total loans | $336,795,800 | 1,657 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8058% | 680 |
| Cost of funding earning assets | 1.9656% | 748 |
| Net interest margin | 3.8403% | 1,514 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.5167% | 2,177 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.0245% | 2,288 |
| Return on assets (ROA) | 1.0245% | 2,274 |
| Pretax return on assets | 1.0549% | 2,697 |
| Return on Equity (ROE) | 11.8800% | 2,157 |
| Retained earnings to average equity (ytd only) | 6.8373% | 2,350 |
| Net charge-offs to loans | 0.2774% | 309 |
| Credit loss provision to net charge-offs | 107.6040% | 1,569 |
| Earnings coverage of net charge-offs (x) | 5.8594% | 2,328 |
| Efficiency ratio | 66.0741% | 2,268 |
| Assets per employee ($millions) | 7.5923% | 1,572 |
| Cash dividends to net income (ytd only)* | 42.4336% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,278 |
| Loan loss allowance to noncurrent loans | 54.0533% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.8061% | 173 |
| Noncurrent loans to loans | 2.2504% | 234 |
| Net loans and leases to total assets | 78.9600% | 764 |
| Net loans and leases to deposits | 91.3549% | 1,110 |
| Net loans and leases to core deposits | 107.3933% | 960 |
| Total domestic deposits to total assets | 86.4300% | 2,063 |
| Equity capital to assets | 8.7025% | 2,598 |
| Core capital (leverage) ratio | 8.9278% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6532% | 2,698 |
| Memoranda: | ||
| Average total assets | $421,385,750 | 1,949 |
| Average earning assets | $391,803,500 | 1,942 |
| Average equity | $36,348,750 | 1,990 |
| Average total loans | $335,045,750 | 1,661 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6066% | 724 |
| Cost of funding earning assets | 1.8205% | 713 |
| Net interest margin | 3.7861% | 1,655 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.5226% | 2,143 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.0378% | 2,290 |
| Return on assets (ROA) | 1.0378% | 2,287 |
| Pretax return on assets | 1.0716% | 2,719 |
| Return on Equity (ROE) | 12.0700% | 2,136 |
| Retained earnings to average equity (ytd only) | 7.2900% | 2,198 |
| Net charge-offs to loans | 0.1206% | 602 |
| Credit loss provision to net charge-offs | 149.2537% | 1,206 |
| Earnings coverage of net charge-offs (x) | 12.6915% | 1,928 |
| Efficiency ratio | 67.5032% | 2,047 |
| Assets per employee ($millions) | 8.2130% | 1,225 |
| Cash dividends to net income (ytd only)* | 39.5872% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,194 |
| Loan loss allowance to noncurrent loans | 69.0111% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.3986% | 266 |
| Noncurrent loans to loans | 1.8050% | 335 |
| Net loans and leases to total assets | 76.1300% | 1,035 |
| Net loans and leases to deposits | 87.7503% | 1,366 |
| Net loans and leases to core deposits | 101.4465% | 1,163 |
| Total domestic deposits to total assets | 86.7600% | 2,006 |
| Equity capital to assets | 8.4061% | 2,940 |
| Core capital (leverage) ratio | 9.0013% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5577% | 2,751 |
| Memoranda: | ||
| Average total assets | $420,125,333 | 1,952 |
| Average earning assets | $391,538,667 | 1,941 |
| Average equity | $36,131,667 | 2,015 |
| Average total loans | $333,443,000 | 1,657 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 659 |
| Cost of funding earning assets | 1.6701% | 617 |
| Net interest margin | 3.7880% | 1,716 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.5830% | 1,999 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.9725% | 2,616 |
| Return on assets (ROA) | 0.9725% | 2,581 |
| Pretax return on assets | 1.0035% | 2,981 |
| Return on Equity (ROE) | 11.1700% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.4286% | 2,662 |
| Net charge-offs to loans | 0.2611% | 291 |
| Credit loss provision to net charge-offs | 69.1244% | 1,244 |
| Earnings coverage of net charge-offs (x) | 5.4608% | 1,813 |
| Efficiency ratio | 69.2128% | 1,829 |
| Assets per employee ($millions) | 7.7289% | 1,496 |
| Cash dividends to net income (ytd only)* | 42.4726% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,423 |
| Loan loss allowance to noncurrent loans | 66.2923% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.5926% | 193 |
| Noncurrent loans to loans | 1.8471% | 327 |
| Net loans and leases to total assets | 77.5800% | 811 |
| Net loans and leases to deposits | 89.7982% | 1,071 |
| Net loans and leases to core deposits | 102.0081% | 999 |
| Total domestic deposits to total assets | 86.3900% | 2,481 |
| Equity capital to assets | 8.6353% | 2,797 |
| Core capital (leverage) ratio | 8.9496% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6109% | 2,829 |
| Memoranda: | ||
| Average total assets | $412,543,500 | 1,997 |
| Average earning assets | $384,895,000 | 1,985 |
| Average equity | $35,902,000 | 2,046 |
| Average total loans | $332,383,500 | 1,676 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5437% | 671 |
| Cost of funding earning assets | 0.7204% | 532 |
| Net interest margin | 3.8233% | 1,109 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.5326% | 2,018 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 0.9608% | 2,720 |
| Return on assets (ROA) | 0.9608% | 2,667 |
| Pretax return on assets | 0.9967% | 3,082 |
| Return on Equity (ROE) | 11.2300% | 2,399 |
| Retained earnings to average equity (ytd only) | 8.0616% | 1,806 |
| Net charge-offs to loans | 0.2191% | 370 |
| Credit loss provision to net charge-offs | 150.5311% | 1,295 |
| Earnings coverage of net charge-offs (x) | 7.2853% | 2,308 |
| Efficiency ratio | 66.7749% | 2,114 |
| Assets per employee ($millions) | 7.6930% | 1,491 |
| Cash dividends to net income (ytd only)* | 28.2407% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 2,998 |
| Loan loss allowance to noncurrent loans | 52.4311% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.7460% | 157 |
| Noncurrent loans to loans | 2.0569% | 269 |
| Net loans and leases to total assets | 81.7500% | 433 |
| Net loans and leases to deposits | 94.7482% | 731 |
| Net loans and leases to core deposits | 104.4853% | 806 |
| Total domestic deposits to total assets | 86.2800% | 2,647 |
| Equity capital to assets | 8.7715% | 2,514 |
| Core capital (leverage) ratio | 9.2105% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1620% | 2,945 |
| Memoranda: | ||
| Average total assets | $382,176,000 | 2,096 |
| Average earning assets | $354,930,800 | 2,092 |
| Average equity | $32,686,000 | 2,210 |
| Average total loans | $300,726,000 | 1,715 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 723 |
| Cost of funding earning assets | 0.5944% | 451 |
| Net interest margin | 3.7124% | 1,105 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.5478% | 1,870 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 0.8909% | 2,902 |
| Return on assets (ROA) | 0.8909% | 2,883 |
| Pretax return on assets | 0.9267% | 3,246 |
| Return on Equity (ROE) | 10.4900% | 2,576 |
| Retained earnings to average equity (ytd only) | 7.9581% | 2,012 |
| Net charge-offs to loans | 0.3456% | 182 |
| Credit loss provision to net charge-offs | 94.8413% | 1,360 |
| Earnings coverage of net charge-offs (x) | 4.4034% | 2,176 |
| Efficiency ratio | 68.2303% | 1,984 |
| Assets per employee ($millions) | 7.1541% | 1,837 |
| Cash dividends to net income (ytd only)* | 24.1338% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 3,416 |
| Loan loss allowance to noncurrent loans | 44.3583% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.9041% | 147 |
| Noncurrent loans to loans | 2.2793% | 247 |
| Net loans and leases to total assets | 82.6900% | 339 |
| Net loans and leases to deposits | 95.9792% | 554 |
| Net loans and leases to core deposits | 103.3624% | 680 |
| Total domestic deposits to total assets | 86.1600% | 3,032 |
| Equity capital to assets | 8.4673% | 2,568 |
| Core capital (leverage) ratio | 8.9092% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5701% | 3,095 |
| Memoranda: | ||
| Average total assets | $375,787,750 | 2,128 |
| Average earning assets | $348,589,250 | 2,129 |
| Average equity | $31,916,500 | 2,279 |
| Average total loans | $291,666,500 | 1,755 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 817 |
| Cost of funding earning assets | 0.5604% | 370 |
| Net interest margin | 3.5132% | 1,284 |
| Noninterest income to average assets | 0.2869% | 3,460 |
| Noninterest expense to average assets | 2.5508% | 1,774 |
| Loan and lease loss provision to assets | 0.1837% | 480 |
| Net operating income to assets | 0.7881% | 3,003 |
| Return on assets (ROA) | 0.7881% | 2,969 |
| Pretax return on assets | 0.8193% | 3,274 |
| Return on Equity (ROE) | 9.2697% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.2966% | 1,514 |
| Net charge-offs to loans | 0.1621% | 389 |
| Credit loss provision to net charge-offs | 150.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 8.1886% | 1,828 |
| Efficiency ratio | 71.6251% | 1,762 |
| Assets per employee ($millions) | 7.3648% | 1,689 |
| Cash dividends to net income (ytd only)* | 10.4976% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,007 |
| Loan loss allowance to noncurrent loans | 91.8774% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.9708% | 496 |
| Noncurrent loans to loans | 1.2364% | 641 |
| Net loans and leases to total assets | 77.6262% | 583 |
| Net loans and leases to deposits | 90.0245% | 717 |
| Net loans and leases to core deposits | 96.9603% | 794 |
| Total domestic deposits to total assets | 86.2279% | 3,187 |
| Equity capital to assets | 8.4972% | 2,765 |
| Core capital (leverage) ratio | 8.8491% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0720% | 3,006 |
| Memoranda: | ||
| Average total assets | $372,276,333 | 2,151 |
| Average earning assets | $346,184,667 | 2,155 |
| Average equity | $31,651,667 | 2,335 |
| Average total loans | $281,314,000 | 1,800 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 933 |
| Cost of funding earning assets | 0.5958% | 268 |
| Net interest margin | 3.2975% | 1,567 |
| Noninterest income to average assets | 0.3216% | 3,180 |
| Noninterest expense to average assets | 2.5694% | 1,696 |
| Loan and lease loss provision to assets | 0.1821% | 420 |
| Net operating income to assets | 0.6028% | 3,383 |
| Return on assets (ROA) | 0.6028% | 3,365 |
| Pretax return on assets | 0.6290% | 3,555 |
| Return on Equity (ROE) | 7.0883% | 3,008 |
| Retained earnings to average equity (ytd only) | 5.8321% | 2,302 |
| Net charge-offs to loans | -0.0501% | 4,254 |
| Credit loss provision to net charge-offs | -491.1765% | 3,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6853% | 1,565 |
| Assets per employee ($millions) | 7.7004% | 1,548 |
| Cash dividends to net income (ytd only)* | 17.7215% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,525 |
| Loan loss allowance to noncurrent loans | 81.0880% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 394 |
| Noncurrent loans to loans | 1.5598% | 516 |
| Net loans and leases to total assets | 72.4737% | 789 |
| Net loans and leases to deposits | 84.2622% | 866 |
| Net loans and leases to core deposits | 91.1429% | 867 |
| Total domestic deposits to total assets | 86.0097% | 3,259 |
| Equity capital to assets | 8.6842% | 2,988 |
| Core capital (leverage) ratio | 8.8339% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8185% | 2,932 |
| Memoranda: | ||
| Average total assets | $366,929,000 | 2,177 |
| Average earning assets | $340,379,000 | 2,184 |
| Average equity | $31,206,500 | 2,424 |
| Average total loans | $271,620,000 | 1,829 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 733 |
| Cost of funding earning assets | 0.7294% | 281 |
| Net interest margin | 3.6576% | 1,325 |
| Noninterest income to average assets | 0.1574% | 4,361 |
| Noninterest expense to average assets | 2.6731% | 1,708 |
| Loan and lease loss provision to assets | 0.1965% | 559 |
| Net operating income to assets | 0.6566% | 3,728 |
| Return on assets (ROA) | 0.6566% | 3,785 |
| Pretax return on assets | 0.6830% | 3,964 |
| Return on Equity (ROE) | 7.6261% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.1537% | 3,564 |
| Net charge-offs to loans | 0.0519% | 1,287 |
| Credit loss provision to net charge-offs | 526.1905% | 777 |
| Earnings coverage of net charge-offs (x) | 23.5476% | 1,774 |
| Efficiency ratio | 74.9687% | 1,212 |
| Assets per employee ($millions) | 7.2763% | 1,747 |
| Cash dividends to net income (ytd only)* | 58.6456% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,673 |
| Loan loss allowance to noncurrent loans | 85.6328% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.0815% | 486 |
| Noncurrent loans to loans | 1.4481% | 640 |
| Net loans and leases to total assets | 73.7586% | 683 |
| Net loans and leases to deposits | 85.5914% | 819 |
| Net loans and leases to core deposits | 92.7694% | 838 |
| Total domestic deposits to total assets | 86.1751% | 2,844 |
| Equity capital to assets | 8.3149% | 4,171 |
| Core capital (leverage) ratio | 8.0485% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5909% | 3,074 |
| Memoranda: | ||
| Average total assets | $337,356,600 | 2,262 |
| Average earning assets | $313,155,400 | 2,266 |
| Average equity | $29,045,000 | 2,596 |
| Average total loans | $242,969,000 | 1,975 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 646 |
| Cost of funding earning assets | 0.7786% | 270 |
| Net interest margin | 3.7466% | 1,233 |
| Noninterest income to average assets | 0.1580% | 4,408 |
| Noninterest expense to average assets | 2.8594% | 1,206 |
| Loan and lease loss provision to assets | 0.1804% | 594 |
| Net operating income to assets | 0.5749% | 4,050 |
| Return on assets (ROA) | 0.5753% | 4,095 |
| Pretax return on assets | 0.5990% | 4,237 |
| Return on Equity (ROE) | 6.6216% | 3,772 |
| Retained earnings to average equity (ytd only) | 0.6322% | 4,477 |
| Net charge-offs to loans | 0.0782% | 885 |
| Credit loss provision to net charge-offs | 323.7410% | 967 |
| Earnings coverage of net charge-offs (x) | 13.9784% | 1,907 |
| Efficiency ratio | 78.2810% | 854 |
| Assets per employee ($millions) | 6.4789% | 2,267 |
| Cash dividends to net income (ytd only)* | 90.4530% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,821 |
| Loan loss allowance to noncurrent loans | 41.5900% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.1539% | 161 |
| Noncurrent loans to loans | 2.9713% | 222 |
| Net loans and leases to total assets | 71.5925% | 911 |
| Net loans and leases to deposits | 83.6100% | 989 |
| Net loans and leases to core deposits | 91.3610% | 958 |
| Total domestic deposits to total assets | 85.6268% | 2,903 |
| Equity capital to assets | 8.4778% | 4,228 |
| Core capital (leverage) ratio | 8.0283% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6802% | 3,105 |
| Memoranda: | ||
| Average total assets | $332,561,000 | 2,299 |
| Average earning assets | $308,931,250 | 2,309 |
| Average equity | $28,894,750 | 2,630 |
| Average total loans | $237,141,250 | 2,044 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 592 |
| Cost of funding earning assets | 0.8229% | 263 |
| Net interest margin | 3.8098% | 1,125 |
| Noninterest income to average assets | 0.1556% | 4,417 |
| Noninterest expense to average assets | 3.2345% | 681 |
| Loan and lease loss provision to assets | 0.1976% | 564 |
| Net operating income to assets | 0.2432% | 4,586 |
| Return on assets (ROA) | 0.2432% | 4,602 |
| Pretax return on assets | 0.2730% | 4,617 |
| Return on Equity (ROE) | 2.7756% | 4,513 |
| Retained earnings to average equity (ytd only) | -5.5581% | 4,797 |
| Net charge-offs to loans | -0.0069% | 3,532 |
| Credit loss provision to net charge-offs | -4,062.5000% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0364% | 432 |
| Assets per employee ($millions) | 6.8582% | 1,904 |
| Cash dividends to net income (ytd only)* | 300.2500% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 2,208 |
| Loan loss allowance to noncurrent loans | 148.2297% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 1,371 |
| Noncurrent loans to loans | 0.9088% | 1,363 |
| Net loans and leases to total assets | 66.1648% | 1,682 |
| Net loans and leases to deposits | 75.7113% | 1,850 |
| Net loans and leases to core deposits | 83.1648% | 1,629 |
| Total domestic deposits to total assets | 87.3909% | 2,136 |
| Equity capital to assets | 8.1858% | 4,440 |
| Core capital (leverage) ratio | 7.8395% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8222% | 2,992 |
| Memoranda: | ||
| Average total assets | $328,954,333 | 2,315 |
| Average earning assets | $306,471,667 | 2,309 |
| Average equity | $28,822,667 | 2,632 |
| Average total loans | $233,218,000 | 2,075 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 1,392 |
| Cost of funding earning assets | 0.8884% | 236 |
| Net interest margin | 3.2082% | 2,668 |
| Noninterest income to average assets | 0.1714% | 4,338 |
| Noninterest expense to average assets | 2.3157% | 2,739 |
| Loan and lease loss provision to assets | 0.2174% | 538 |
| Net operating income to assets | 0.6000% | 3,944 |
| Return on assets (ROA) | 0.6000% | 4,007 |
| Pretax return on assets | 0.6261% | 4,154 |
| Return on Equity (ROE) | 6.6167% | 3,698 |
| Retained earnings to average equity (ytd only) | 5.4933% | 3,067 |
| Net charge-offs to loans | -0.0102% | 3,671 |
| Credit loss provision to net charge-offs | -2,916.6667% | 3,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9847% | 1,406 |
| Assets per employee ($millions) | 7.4868% | 1,457 |
| Cash dividends to net income (ytd only)* | 16.9772% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,758 |
| Loan loss allowance to noncurrent loans | 1,743.1953% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 4,013 |
| Noncurrent loans to loans | 0.0706% | 3,935 |
| Net loans and leases to total assets | 71.7499% | 1,060 |
| Net loans and leases to deposits | 82.9052% | 1,259 |
| Net loans and leases to core deposits | 99.3911% | 738 |
| Total domestic deposits to total assets | 86.5445% | 2,505 |
| Equity capital to assets | 8.8872% | 3,795 |
| Core capital (leverage) ratio | 8.5611% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8884% | 2,708 |
| Memoranda: | ||
| Average total assets | $321,975,500 | 2,331 |
| Average earning assets | $299,859,000 | 2,332 |
| Average equity | $29,199,000 | 2,606 |
| Average total loans | $234,834,500 | 2,065 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 731 |
| Cost of funding earning assets | 1.2627% | 211 |
| Net interest margin | 3.5447% | 2,325 |
| Noninterest income to average assets | 0.1188% | 4,675 |
| Noninterest expense to average assets | 2.2982% | 3,404 |
| Loan and lease loss provision to assets | 0.1543% | 2,441 |
| Net operating income to assets | 0.9240% | 2,592 |
| Return on assets (ROA) | 0.9409% | 2,667 |
| Pretax return on assets | 0.9772% | 3,117 |
| Return on Equity (ROE) | 10.3205% | 1,877 |
| Retained earnings to average equity (ytd only) | 3.8015% | 2,916 |
| Net charge-offs to loans | 0.1876% | 908 |
| Credit loss provision to net charge-offs | 107.8014% | 2,743 |
| Earnings coverage of net charge-offs (x) | 7.7801% | 2,665 |
| Efficiency ratio | 66.8088% | 2,385 |
| Assets per employee ($millions) | 6.9896% | 1,596 |
| Cash dividends to net income (ytd only)* | 63.1655% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.3616% | 1,250 |
| Net loans and leases to deposits | 84.1349% | 1,443 |
| Net loans and leases to core deposits | 101.7057% | 827 |
| Total domestic deposits to total assets | 86.0066% | 2,361 |
| Equity capital to assets | 9.2588% | 3,835 |
| Core capital (leverage) ratio | 8.7060% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3353% | 2,835 |
| Memoranda: | ||
| Average total assets | $295,448,200 | 2,312 |
| Average earning assets | $274,492,800 | 2,325 |
| Average equity | $26,936,600 | 2,681 |
| Average total loans | $225,427,400 | 2,067 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 706 |
| Cost of funding earning assets | 1.3420% | 199 |
| Net interest margin | 3.5753% | 2,345 |
| Noninterest income to average assets | 0.1216% | 4,679 |
| Noninterest expense to average assets | 2.3444% | 3,301 |
| Loan and lease loss provision to assets | 0.1951% | 2,026 |
| Net operating income to assets | 0.8731% | 2,801 |
| Return on assets (ROA) | 0.8958% | 2,841 |
| Pretax return on assets | 0.9270% | 3,306 |
| Return on Equity (ROE) | 9.8670% | 2,060 |
| Retained earnings to average equity (ytd only) | 4.5773% | 2,758 |
| Net charge-offs to loans | 0.2902% | 545 |
| Credit loss provision to net charge-offs | 87.0902% | 2,717 |
| Earnings coverage of net charge-offs (x) | 4.9078% | 2,781 |
| Efficiency ratio | 67.5060% | 2,246 |
| Assets per employee ($millions) | 6.9939% | 1,502 |
| Cash dividends to net income (ytd only)* | 53.6098% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,027 |
| Loan loss allowance to noncurrent loans | 6,059.0909% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,164 |
| Noncurrent loans to loans | 0.0187% | 4,347 |
| Net loans and leases to total assets | 75.6937% | 1,138 |
| Net loans and leases to deposits | 88.8606% | 1,389 |
| Net loans and leases to core deposits | 108.2317% | 760 |
| Total domestic deposits to total assets | 85.1825% | 2,366 |
| Equity capital to assets | 8.7872% | 4,266 |
| Core capital (leverage) ratio | 8.2176% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0549% | 2,908 |
| Memoranda: | ||
| Average total assets | $290,677,000 | 2,323 |
| Average earning assets | $270,033,250 | 2,329 |
| Average equity | $26,390,250 | 2,700 |
| Average total loans | $224,192,750 | 2,076 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 940 |
| Cost of funding earning assets | 1.4282% | 204 |
| Net interest margin | 3.4919% | 2,814 |
| Noninterest income to average assets | 0.1207% | 4,700 |
| Noninterest expense to average assets | 2.4134% | 3,222 |
| Loan and lease loss provision to assets | 0.2456% | 1,714 |
| Net operating income to assets | 0.6779% | 3,471 |
| Return on assets (ROA) | 0.7123% | 3,465 |
| Pretax return on assets | 0.7404% | 3,768 |
| Return on Equity (ROE) | 7.7560% | 2,840 |
| Retained earnings to average equity (ytd only) | 2.8044% | 3,455 |
| Net charge-offs to loans | 0.4456% | 356 |
| Credit loss provision to net charge-offs | 71.2831% | 2,542 |
| Earnings coverage of net charge-offs (x) | 2.7576% | 2,740 |
| Efficiency ratio | 71.1454% | 1,801 |
| Assets per employee ($millions) | 6.8622% | 1,525 |
| Cash dividends to net income (ytd only)* | 63.8424% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 3,010 |
| Loan loss allowance to noncurrent loans | 381.7109% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 1,595 |
| Noncurrent loans to loans | 0.2901% | 3,340 |
| Net loans and leases to total assets | 76.5421% | 1,059 |
| Net loans and leases to deposits | 90.3730% | 1,318 |
| Net loans and leases to core deposits | 108.4316% | 794 |
| Total domestic deposits to total assets | 84.6958% | 2,507 |
| Equity capital to assets | 8.7740% | 4,290 |
| Core capital (leverage) ratio | 8.2672% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1302% | 2,932 |
| Memoranda: | ||
| Average total assets | $284,992,333 | 2,337 |
| Average earning assets | $264,666,333 | 2,337 |
| Average equity | $26,173,333 | 2,705 |
| Average total loans | $220,390,667 | 2,079 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 892 |
| Cost of funding earning assets | 1.5348% | 230 |
| Net interest margin | 3.5048% | 2,962 |
| Noninterest income to average assets | 0.1447% | 4,643 |
| Noninterest expense to average assets | 2.5474% | 3,141 |
| Loan and lease loss provision to assets | 0.1085% | 2,320 |
| Net operating income to assets | 0.7120% | 3,236 |
| Return on assets (ROA) | 0.7551% | 3,154 |
| Pretax return on assets | 0.7840% | 3,454 |
| Return on Equity (ROE) | 8.0264% | 2,511 |
| Retained earnings to average equity (ytd only) | -0.5535% | 4,083 |
| Net charge-offs to loans | 0.9301% | 162 |
| Credit loss provision to net charge-offs | 15.0905% | 2,215 |
| Earnings coverage of net charge-offs (x) | 1.1791% | 2,415 |
| Efficiency ratio | 74.4354% | 1,759 |
| Assets per employee ($millions) | 6.3156% | 1,451 |
| Cash dividends to net income (ytd only)* | 106.8966% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,311 |
| Loan loss allowance to noncurrent loans | 340.5605% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 1,585 |
| Noncurrent loans to loans | 0.3171% | 3,358 |
| Net loans and leases to total assets | 76.1045% | 1,285 |
| Net loans and leases to deposits | 89.9036% | 1,524 |
| Net loans and leases to core deposits | 105.9110% | 1,067 |
| Total domestic deposits to total assets | 84.6512% | 2,544 |
| Equity capital to assets | 9.3632% | 4,344 |
| Core capital (leverage) ratio | 8.7192% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8203% | 3,151 |
| Memoranda: | ||
| Average total assets | $276,520,000 | 2,348 |
| Average earning assets | $256,447,500 | 2,341 |
| Average equity | $26,014,000 | 2,708 |
| Average total loans | $213,737,500 | 2,094 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 774 |
| Cost of funding earning assets | 1.6478% | 243 |
| Net interest margin | 3.6846% | 2,851 |
| Noninterest income to average assets | 0.1476% | 4,750 |
| Noninterest expense to average assets | 2.2733% | 4,015 |
| Loan and lease loss provision to assets | 0.0889% | 2,242 |
| Net operating income to assets | 1.1713% | 2,173 |
| Return on assets (ROA) | 1.1716% | 2,267 |
| Pretax return on assets | 1.2121% | 2,797 |
| Return on Equity (ROE) | 12.3161% | 1,390 |
| Retained earnings to average equity (ytd only) | 5.5096% | 2,157 |
| Net charge-offs to loans | 0.0114% | 3,284 |
| Credit loss provision to net charge-offs | 1,021.7391% | 336 |
| Earnings coverage of net charge-offs (x) | 149.4348% | 495 |
| Efficiency ratio | 62.6112% | 3,276 |
| Assets per employee ($millions) | 6.3990% | 1,357 |
| Cash dividends to net income (ytd only)* | 55.2649% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,032 |
| Loan loss allowance to noncurrent loans | 133.2195% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 1,636 |
| Noncurrent loans to loans | 0.9594% | 1,593 |
| Net loans and leases to total assets | 76.6666% | 1,301 |
| Net loans and leases to deposits | 88.7513% | 1,739 |
| Net loans and leases to core deposits | 103.8502% | 1,240 |
| Total domestic deposits to total assets | 86.3837% | 1,893 |
| Equity capital to assets | 9.4525% | 4,388 |
| Core capital (leverage) ratio | 8.7458% | 4,703 |
| Tier 1 risk-based capital ratio | 10.8157% | 4,920 |
| Total risk-based capital ratio | 12.0505% | 4,834 |
| Memoranda: | ||
| Average total assets | $264,243,200 | 2,367 |
| Average earning assets | $245,727,000 | 2,368 |
| Average equity | $25,137,800 | 2,710 |
| Average total loans | $202,549,400 | 2,151 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 781 |
| Cost of funding earning assets | 1.6539% | 242 |
| Net interest margin | 3.6932% | 2,943 |
| Noninterest income to average assets | 0.1530% | 4,783 |
| Noninterest expense to average assets | 2.2902% | 3,979 |
| Loan and lease loss provision to assets | 0.0816% | 2,278 |
| Net operating income to assets | 1.1747% | 2,280 |
| Return on assets (ROA) | 1.1747% | 2,360 |
| Pretax return on assets | 1.2160% | 2,932 |
| Return on Equity (ROE) | 12.3271% | 1,505 |
| Retained earnings to average equity (ytd only) | 5.1738% | 2,806 |
| Net charge-offs to loans | 0.0374% | 2,342 |
| Credit loss provision to net charge-offs | 285.7143% | 980 |
| Earnings coverage of net charge-offs (x) | 45.4494% | 1,260 |
| Efficiency ratio | 62.6403% | 3,226 |
| Assets per employee ($millions) | 6.6939% | 1,163 |
| Cash dividends to net income (ytd only)* | 58.0295% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,422 |
| Loan loss allowance to noncurrent loans | 109.6532% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 1,571 |
| Noncurrent loans to loans | 1.1099% | 1,430 |
| Net loans and leases to total assets | 77.6028% | 1,206 |
| Net loans and leases to deposits | 89.9858% | 1,699 |
| Net loans and leases to core deposits | 105.9570% | 1,188 |
| Total domestic deposits to total assets | 86.2390% | 1,888 |
| Equity capital to assets | 9.3277% | 4,579 |
| Core capital (leverage) ratio | 8.7032% | 4,839 |
| Tier 1 risk-based capital ratio | 10.5693% | 5,056 |
| Total risk-based capital ratio | 11.7496% | 5,002 |
| Memoranda: | ||
| Average total assets | $261,515,250 | 2,409 |
| Average earning assets | $243,213,750 | 2,398 |
| Average equity | $24,920,000 | 2,740 |
| Average total loans | $199,766,000 | 2,183 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 770 |
| Cost of funding earning assets | 1.6273% | 245 |
| Net interest margin | 3.7000% | 2,930 |
| Noninterest income to average assets | 0.1610% | 4,784 |
| Noninterest expense to average assets | 2.3413% | 3,887 |
| Loan and lease loss provision to assets | 0.0661% | 2,496 |
| Net operating income to assets | 1.1446% | 2,345 |
| Return on assets (ROA) | 1.1446% | 2,423 |
| Pretax return on assets | 1.1905% | 2,934 |
| Return on Equity (ROE) | 11.9222% | 1,604 |
| Retained earnings to average equity (ytd only) | 3.7986% | 3,350 |
| Net charge-offs to loans | 0.0699% | 1,661 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 23.7647% | 1,644 |
| Efficiency ratio | 63.9291% | 3,141 |
| Assets per employee ($millions) | 6.6201% | 1,178 |
| Cash dividends to net income (ytd only)* | 68.1386% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,216 |
| Loan loss allowance to noncurrent loans | 739.6501% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 4,118 |
| Noncurrent loans to loans | 0.1700% | 3,941 |
| Net loans and leases to total assets | 73.4230% | 1,981 |
| Net loans and leases to deposits | 84.9740% | 2,370 |
| Net loans and leases to core deposits | 98.5559% | 1,837 |
| Total domestic deposits to total assets | 86.4065% | 1,854 |
| Equity capital to assets | 9.2523% | 4,609 |
| Core capital (leverage) ratio | 8.9055% | 4,710 |
| Tier 1 risk-based capital ratio | 11.0461% | 4,888 |
| Total risk-based capital ratio | 12.2653% | 4,821 |
| Memoranda: | ||
| Average total assets | $257,203,670 | 2,437 |
| Average earning assets | $238,918,670 | 2,438 |
| Average equity | $24,693,330 | 2,753 |
| Average total loans | $194,486,330 | 2,234 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 665 |
| Cost of funding earning assets | 1.5587% | 264 |
| Net interest margin | 3.8157% | 2,463 |
| Noninterest income to average assets | 0.1599% | 4,777 |
| Noninterest expense to average assets | 2.4199% | 3,718 |
| Loan and lease loss provision to assets | 0.0640% | 2,384 |
| Net operating income to assets | 1.1724% | 2,167 |
| Return on assets (ROA) | 1.1724% | 2,221 |
| Pretax return on assets | 1.2155% | 2,747 |
| Return on Equity (ROE) | 11.9754% | 1,534 |
| Retained earnings to average equity (ytd only) | 0.9312% | 4,326 |
| Net charge-offs to loans | -0.0231% | 4,545 |
| Credit loss provision to net charge-offs | -363.6364% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8132% | 3,267 |
| Assets per employee ($millions) | 6.1670% | 1,427 |
| Cash dividends to net income (ytd only)* | 92.2237% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 1,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.3490% | 1,741 |
| Net loans and leases to deposits | 86.2339% | 2,103 |
| Net loans and leases to core deposits | 98.8833% | 1,718 |
| Total domestic deposits to total assets | 86.2178% | 2,175 |
| Equity capital to assets | 9.7090% | 4,084 |
| Core capital (leverage) ratio | 9.0654% | 4,604 |
| Tier 1 risk-based capital ratio | 11.3669% | 4,801 |
| Total risk-based capital ratio | 12.6170% | 4,710 |
| Memoranda: | ||
| Average total assets | $250,094,000 | 2,515 |
| Average earning assets | $231,991,000 | 2,510 |
| Average equity | $24,483,500 | 2,761 |
| Average total loans | $190,817,500 | 2,276 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 830 |
| Cost of funding earning assets | 1.2547% | 267 |
| Net interest margin | 3.8519% | 2,495 |
| Noninterest income to average assets | 0.1534% | 4,949 |
| Noninterest expense to average assets | 2.2665% | 4,195 |
| Loan and lease loss provision to assets | 0.0982% | 2,214 |
| Net operating income to assets | 1.3196% | 1,721 |
| Return on assets (ROA) | 1.3208% | 1,706 |
| Pretax return on assets | 1.3588% | 2,279 |
| Return on Equity (ROE) | 13.7716% | 1,110 |
| Retained earnings to average equity (ytd only) | 6.4998% | 1,923 |
| Net charge-offs to loans | 0.1971% | 975 |
| Credit loss provision to net charge-offs | 65.9341% | 3,041 |
| Earnings coverage of net charge-offs (x) | 9.7775% | 2,783 |
| Efficiency ratio | 59.4615% | 3,951 |
| Assets per employee ($millions) | 6.3421% | 1,297 |
| Cash dividends to net income (ytd only)* | 52.8027% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 1,954 |
| Loan loss allowance to noncurrent loans | 1,456.6474% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 4,477 |
| Noncurrent loans to loans | 0.0905% | 4,341 |
| Net loans and leases to total assets | 76.2327% | 1,570 |
| Net loans and leases to deposits | 88.5775% | 1,979 |
| Net loans and leases to core deposits | 98.5213% | 1,829 |
| Total domestic deposits to total assets | 86.0633% | 2,198 |
| Equity capital to assets | 9.8722% | 3,795 |
| Core capital (leverage) ratio | 9.1565% | 4,502 |
| Tier 1 risk-based capital ratio | 11.1335% | 4,905 |
| Total risk-based capital ratio | 12.3825% | 4,807 |
| Memoranda: | ||
| Average total assets | $244,478,800 | 2,511 |
| Average earning assets | $226,511,000 | 2,509 |
| Average equity | $23,446,800 | 2,776 |
| Average total loans | $184,708,400 | 2,300 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 929 |
| Cost of funding earning assets | 1.2000% | 258 |
| Net interest margin | 3.8103% | 2,610 |
| Noninterest income to average assets | 0.1493% | 5,028 |
| Noninterest expense to average assets | 2.2562% | 4,202 |
| Loan and lease loss provision to assets | 0.0985% | 2,022 |
| Net operating income to assets | 1.2761% | 1,949 |
| Return on assets (ROA) | 1.2777% | 1,942 |
| Pretax return on assets | 1.3253% | 2,526 |
| Return on Equity (ROE) | 13.4226% | 1,289 |
| Retained earnings to average equity (ytd only) | 5.5334% | 2,934 |
| Net charge-offs to loans | 0.3262% | 511 |
| Credit loss provision to net charge-offs | 40.1786% | 2,904 |
| Earnings coverage of net charge-offs (x) | 5.8036% | 2,935 |
| Efficiency ratio | 60.2082% | 3,789 |
| Assets per employee ($millions) | 6.0876% | 1,432 |
| Cash dividends to net income (ytd only)* | 58.7756% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.8616% | 2,008 |
| Net loans and leases to deposits | 86.0069% | 2,365 |
| Net loans and leases to core deposits | 95.1554% | 2,199 |
| Total domestic deposits to total assets | 85.8787% | 2,249 |
| Equity capital to assets | 9.7715% | 3,846 |
| Core capital (leverage) ratio | 8.9204% | 4,779 |
| Tier 1 risk-based capital ratio | 11.3392% | 4,878 |
| Total risk-based capital ratio | 12.5685% | 4,783 |
| Memoranda: | ||
| Average total assets | $243,763,500 | 2,524 |
| Average earning assets | $225,768,750 | 2,533 |
| Average equity | $23,204,000 | 2,812 |
| Average total loans | $183,117,000 | 2,324 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 948 |
| Cost of funding earning assets | 1.1514% | 225 |
| Net interest margin | 3.7833% | 2,625 |
| Noninterest income to average assets | 0.1427% | 5,104 |
| Noninterest expense to average assets | 2.2153% | 4,338 |
| Loan and lease loss provision to assets | 0.1394% | 1,400 |
| Net operating income to assets | 1.2509% | 1,978 |
| Return on assets (ROA) | 1.2532% | 1,964 |
| Pretax return on assets | 1.2992% | 2,519 |
| Return on Equity (ROE) | 13.2827% | 1,271 |
| Retained earnings to average equity (ytd only) | 4.1900% | 3,515 |
| Net charge-offs to loans | 0.0785% | 1,538 |
| Credit loss provision to net charge-offs | 236.1111% | 1,182 |
| Earnings coverage of net charge-offs (x) | 24.3194% | 1,682 |
| Efficiency ratio | 59.6137% | 3,989 |
| Assets per employee ($millions) | 6.2761% | 1,279 |
| Cash dividends to net income (ytd only)* | 68.4555% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4989% | 1,403 |
| Loan loss allowance to noncurrent loans | 782.0000% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,293 |
| Noncurrent loans to loans | 0.1917% | 4,045 |
| Net loans and leases to total assets | 71.6441% | 2,333 |
| Net loans and leases to deposits | 82.7817% | 2,685 |
| Net loans and leases to core deposits | 93.0191% | 2,308 |
| Total domestic deposits to total assets | 86.5458% | 2,038 |
| Equity capital to assets | 9.2884% | 4,295 |
| Core capital (leverage) ratio | 8.9093% | 4,770 |
| Tier 1 risk-based capital ratio | 11.2119% | 4,944 |
| Total risk-based capital ratio | 12.4638% | 4,841 |
| Memoranda: | ||
| Average total assets | $243,850,000 | 2,540 |
| Average earning assets | $226,154,000 | 2,541 |
| Average equity | $23,007,330 | 2,846 |
| Average total loans | $183,413,670 | 2,321 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 888 |
| Cost of funding earning assets | 1.1168% | 210 |
| Net interest margin | 3.7736% | 2,526 |
| Noninterest income to average assets | 0.1165% | 5,267 |
| Noninterest expense to average assets | 2.2726% | 4,250 |
| Loan and lease loss provision to assets | 0.1665% | 1,073 |
| Net operating income to assets | 1.1754% | 2,112 |
| Return on assets (ROA) | 1.1754% | 2,121 |
| Pretax return on assets | 1.2104% | 2,710 |
| Return on Equity (ROE) | 12.3578% | 1,452 |
| Retained earnings to average equity (ytd only) | -1.6279% | 4,973 |
| Net charge-offs to loans | 0.0544% | 1,564 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 33.0800% | 1,185 |
| Efficiency ratio | 60.9033% | 3,954 |
| Assets per employee ($millions) | 6.1037% | 1,427 |
| Cash dividends to net income (ytd only)* | 113.1728% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 75.9885% | 1,546 |
| Net loans and leases to deposits | 88.2405% | 1,900 |
| Net loans and leases to core deposits | 99.8730% | 1,696 |
| Total domestic deposits to total assets | 86.1152% | 2,496 |
| Equity capital to assets | 9.5512% | 4,043 |
| Core capital (leverage) ratio | 8.7879% | 4,905 |
| Tier 1 risk-based capital ratio | 10.9530% | 5,157 |
| Total risk-based capital ratio | 12.2050% | 5,058 |
| Memoranda: | ||
| Average total assets | $240,252,500 | 2,583 |
| Average earning assets | $224,931,500 | 2,569 |
| Average equity | $22,852,000 | 2,881 |
| Average total loans | $183,822,500 | 2,335 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 638 |
| Cost of funding earning assets | 1.0281% | 186 |
| Net interest margin | 3.9810% | 1,804 |
| Noninterest income to average assets | 0.1359% | 5,267 |
| Noninterest expense to average assets | 2.3296% | 4,258 |
| Loan and lease loss provision to assets | 0.3460% | 459 |
| Net operating income to assets | 1.1053% | 1,840 |
| Return on assets (ROA) | 1.1057% | 1,860 |
| Pretax return on assets | 1.1492% | 2,985 |
| Return on Equity (ROE) | 10.8303% | 1,546 |
| Retained earnings to average equity (ytd only) | 9.8911% | 365 |
| Net charge-offs to loans | -0.1263% | 5,426 |
| Credit loss provision to net charge-offs | -343.1373% | 4,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8811% | 4,286 |
| Assets per employee ($millions) | 6.2169% | 1,371 |
| Cash dividends to net income (ytd only)* | 8.6723% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 1,639 |
| Loan loss allowance to noncurrent loans | 1,077.1429% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,623 |
| Noncurrent loans to loans | 0.1331% | 4,396 |
| Net loans and leases to total assets | 74.8186% | 1,787 |
| Net loans and leases to deposits | 87.2942% | 2,098 |
| Net loans and leases to core deposits | 99.5484% | 1,748 |
| Total domestic deposits to total assets | 85.7086% | 2,573 |
| Equity capital to assets | 9.4729% | 4,249 |
| Core capital (leverage) ratio | 9.3159% | 4,270 |
| Tier 1 risk-based capital ratio | 10.8941% | 5,202 |
| Total risk-based capital ratio | 12.1453% | 5,089 |
| Memoranda: | ||
| Average total assets | $202,309,000 | 2,906 |
| Average earning assets | $187,441,000 | 2,887 |
| Average equity | $20,655,000 | 3,067 |
| Average total loans | $161,581,200 | 2,531 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 711 |
| Cost of funding earning assets | 0.9984% | 198 |
| Net interest margin | 3.9321% | 1,926 |
| Noninterest income to average assets | 0.1484% | 5,265 |
| Noninterest expense to average assets | 2.3196% | 4,250 |
| Loan and lease loss provision to assets | 0.3121% | 496 |
| Net operating income to assets | 1.1054% | 2,066 |
| Return on assets (ROA) | 1.1054% | 2,118 |
| Pretax return on assets | 1.1490% | 3,120 |
| Return on Equity (ROE) | 10.5858% | 1,864 |
| Retained earnings to average equity (ytd only) | 9.6494% | 664 |
| Net charge-offs to loans | -0.1753% | 5,503 |
| Credit loss provision to net charge-offs | -219.5122% | 4,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4732% | 4,134 |
| Assets per employee ($millions) | 6.2073% | 1,372 |
| Cash dividends to net income (ytd only)* | 8.8459% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 2,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 82.7253% | 575 |
| Net loans and leases to deposits | 98.8803% | 836 |
| Net loans and leases to core deposits | 114.4342% | 813 |
| Total domestic deposits to total assets | 83.6620% | 3,242 |
| Equity capital to assets | 10.5753% | 3,285 |
| Core capital (leverage) ratio | 9.6097% | 4,027 |
| Tier 1 risk-based capital ratio | 11.3136% | 5,064 |
| Total risk-based capital ratio | 12.5644% | 4,955 |
| Memoranda: | ||
| Average total assets | $192,271,000 | 3,021 |
| Average earning assets | $177,611,500 | 3,012 |
| Average equity | $20,076,750 | 3,158 |
| Average total loans | $155,965,250 | 2,610 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 809 |
| Cost of funding earning assets | 0.9531% | 217 |
| Net interest margin | 3.8753% | 2,019 |
| Noninterest income to average assets | 0.1054% | 5,497 |
| Noninterest expense to average assets | 2.2762% | 4,414 |
| Loan and lease loss provision to assets | 0.3226% | 460 |
| Net operating income to assets | 1.0440% | 2,237 |
| Return on assets (ROA) | 1.0440% | 2,275 |
| Pretax return on assets | 1.0827% | 3,252 |
| Return on Equity (ROE) | 10.0469% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.0743% | 815 |
| Net charge-offs to loans | -0.2752% | 5,629 |
| Credit loss provision to net charge-offs | -146.3415% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0689% | 4,154 |
| Assets per employee ($millions) | 6.1669% | 1,346 |
| Cash dividends to net income (ytd only)* | 9.6807% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 78.2549% | 1,209 |
| Net loans and leases to deposits | 93.2596% | 1,336 |
| Net loans and leases to core deposits | 105.9052% | 1,239 |
| Total domestic deposits to total assets | 83.9108% | 3,235 |
| Equity capital to assets | 10.3689% | 3,493 |
| Core capital (leverage) ratio | 9.7917% | 3,788 |
| Tier 1 risk-based capital ratio | 11.5755% | 4,908 |
| Total risk-based capital ratio | 12.8258% | 4,795 |
| Memoranda: | ||
| Average total assets | $186,012,000 | 3,094 |
| Average earning assets | $171,653,330 | 3,089 |
| Average equity | $19,329,330 | 3,239 |
| Average total loans | $148,961,000 | 2,689 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,263 |
| Cost of funding earning assets | 0.8245% | 431 |
| Net interest margin | 3.3805% | 3,711 |
| Noninterest income to average assets | 0.1699% | 5,257 |
| Noninterest expense to average assets | 2.0967% | 4,854 |
| Loan and lease loss provision to assets | 0.3445% | 351 |
| Net operating income to assets | 0.8038% | 3,205 |
| Return on assets (ROA) | 0.8038% | 3,265 |
| Pretax return on assets | 0.8359% | 3,990 |
| Return on Equity (ROE) | 7.7248% | 3,056 |
| Retained earnings to average equity (ytd only) | 6.6874% | 1,988 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6300% | 3,900 |
| Assets per employee ($millions) | 6.1014% | 1,422 |
| Cash dividends to net income (ytd only)* | 13.4286% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,423 |
| Loan loss allowance to noncurrent loans | 77.0863% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 1,185 |
| Noncurrent loans to loans | 1.7168% | 1,118 |
| Net loans and leases to total assets | 80.7307% | 732 |
| Net loans and leases to deposits | 96.6053% | 883 |
| Net loans and leases to core deposits | 110.5115% | 857 |
| Total domestic deposits to total assets | 83.5676% | 3,634 |
| Equity capital to assets | 10.5132% | 3,173 |
| Core capital (leverage) ratio | 12.8750% | 1,195 |
| Tier 1 risk-based capital ratio | 11.4177% | 5,082 |
| Total risk-based capital ratio | 12.6681% | 4,980 |
| Memoranda: | ||
| Average total assets | $174,180,500 | 3,266 |
| Average earning assets | $160,095,000 | 3,268 |
| Average equity | $18,123,500 | 3,399 |
| Average total loans | $140,283,000 | 2,816 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9271% | 692 |
| Cost of funding earning assets | 0.9247% | 259 |
| Net interest margin | 4.0024% | 1,625 |
| Noninterest income to average assets | 0.0703% | 5,723 |
| Noninterest expense to average assets | 2.5186% | 3,956 |
| Loan and lease loss provision to assets | 0.6735% | 188 |
| Net operating income to assets | 0.5543% | 4,418 |
| Return on assets (ROA) | 0.5543% | 4,523 |
| Pretax return on assets | 0.5780% | 4,849 |
| Return on Equity (ROE) | 5.6977% | 4,121 |
| Retained earnings to average equity (ytd only) | 2.3734% | 4,172 |
| Net charge-offs to loans | 0.4537% | 562 |
| Credit loss provision to net charge-offs | 178.4314% | 1,570 |
| Earnings coverage of net charge-offs (x) | 3.3157% | 3,687 |
| Efficiency ratio | 66.3722% | 3,533 |
| Assets per employee ($millions) | 5.6544% | 1,737 |
| Cash dividends to net income (ytd only)* | 58.3445% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,975 |
| Loan loss allowance to noncurrent loans | 109.6600% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 2,149 |
| Noncurrent loans to loans | 1.1171% | 1,853 |
| Net loans and leases to total assets | 77.8281% | 1,219 |
| Net loans and leases to deposits | 93.3362% | 1,264 |
| Net loans and leases to core deposits | 107.8844% | 1,026 |
| Total domestic deposits to total assets | 83.3847% | 3,633 |
| Equity capital to assets | 10.2568% | 3,440 |
| Core capital (leverage) ratio | 9.3467% | 4,292 |
| Tier 1 risk-based capital ratio | 10.9567% | 5,362 |
| Total risk-based capital ratio | 12.1344% | 5,291 |
| Memoranda: | ||
| Average total assets | $135,115,200 | 3,752 |
| Average earning assets | $124,899,800 | 3,737 |
| Average equity | $13,145,600 | 4,071 |
| Average total loans | $112,417,800 | 3,184 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 574 |
| Cost of funding earning assets | 0.9071% | 281 |
| Net interest margin | 4.1154% | 1,357 |
| Noninterest income to average assets | 0.0727% | 5,779 |
| Noninterest expense to average assets | 2.5568% | 3,802 |
| Loan and lease loss provision to assets | 0.7668% | 140 |
| Net operating income to assets | 0.5640% | 4,439 |
| Return on assets (ROA) | 0.5640% | 4,541 |
| Pretax return on assets | 0.5852% | 4,913 |
| Return on Equity (ROE) | 5.8861% | 4,127 |
| Retained earnings to average equity (ytd only) | 2.0428% | 4,670 |
| Net charge-offs to loans | 0.6095% | 339 |
| Credit loss provision to net charge-offs | 149.0196% | 1,782 |
| Earnings coverage of net charge-offs (x) | 2.6275% | 3,541 |
| Efficiency ratio | 64.9716% | 3,767 |
| Assets per employee ($millions) | 4.7709% | 2,654 |
| Cash dividends to net income (ytd only)* | 65.2950% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 3,804 |
| Loan loss allowance to noncurrent loans | 1,066.3866% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 5,098 |
| Noncurrent loans to loans | 0.1036% | 4,924 |
| Net loans and leases to total assets | 82.0905% | 609 |
| Net loans and leases to deposits | 97.9551% | 859 |
| Net loans and leases to core deposits | 115.2222% | 684 |
| Total domestic deposits to total assets | 83.8042% | 3,271 |
| Equity capital to assets | 9.2991% | 4,865 |
| Core capital (leverage) ratio | 7.9483% | 5,706 |
| Tier 1 risk-based capital ratio | 9.3009% | 5,901 |
| Total risk-based capital ratio | 10.3749% | 5,915 |
| Memoranda: | ||
| Average total assets | $132,140,250 | 3,818 |
| Average earning assets | $123,175,250 | 3,795 |
| Average equity | $12,662,250 | 4,183 |
| Average total loans | $111,562,750 | 3,206 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 577 |
| Cost of funding earning assets | 0.8971% | 295 |
| Net interest margin | 4.1143% | 1,332 |
| Noninterest income to average assets | 0.0738% | 5,853 |
| Noninterest expense to average assets | 2.7586% | 3,169 |
| Loan and lease loss provision to assets | 0.2460% | 796 |
| Net operating income to assets | 0.8719% | 2,997 |
| Return on assets (ROA) | 0.8719% | 3,109 |
| Pretax return on assets | 0.9057% | 3,932 |
| Return on Equity (ROE) | 9.0041% | 2,491 |
| Retained earnings to average equity (ytd only) | 3.9542% | 3,384 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1140% | 2,964 |
| Assets per employee ($millions) | 4.7810% | 2,585 |
| Cash dividends to net income (ytd only)* | 56.0847% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0294% | 4,351 |
| Loan loss allowance to noncurrent loans | 2,563.0435% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,462 |
| Noncurrent loans to loans | 0.0402% | 5,306 |
| Net loans and leases to total assets | 79.0280% | 1,061 |
| Net loans and leases to deposits | 93.7939% | 1,308 |
| Net loans and leases to core deposits | 108.8147% | 993 |
| Total domestic deposits to total assets | 84.2570% | 3,173 |
| Equity capital to assets | 9.0107% | 5,229 |
| Core capital (leverage) ratio | 8.4110% | 5,437 |
| Tier 1 risk-based capital ratio | 9.4457% | 5,957 |
| Total risk-based capital ratio | 10.4544% | 5,976 |
| Memoranda: | ||
| Average total assets | $130,068,000 | 3,884 |
| Average earning assets | $121,283,670 | 3,857 |
| Average equity | $12,594,330 | 4,215 |
| Average total loans | $110,468,000 | 3,230 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1554% | 449 |
| Cost of funding earning assets | 0.8987% | 298 |
| Net interest margin | 4.2567% | 983 |
| Noninterest income to average assets | 0.0875% | 5,859 |
| Noninterest expense to average assets | 2.8787% | 2,779 |
| Loan and lease loss provision to assets | 0.1945% | 1,022 |
| Net operating income to assets | 0.9401% | 2,560 |
| Return on assets (ROA) | 0.9401% | 2,671 |
| Pretax return on assets | 0.9758% | 3,565 |
| Return on Equity (ROE) | 9.3326% | 2,271 |
| Retained earnings to average equity (ytd only) | 0.6114% | 4,967 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6165% | 3,024 |
| Assets per employee ($millions) | 4.5165% | 3,038 |
| Cash dividends to net income (ytd only)* | 93.4483% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 4,717 |
| Loan loss allowance to noncurrent loans | 2,345.6522% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,488 |
| Noncurrent loans to loans | 0.0417% | 5,326 |
| Net loans and leases to total assets | 86.2844% | 204 |
| Net loans and leases to deposits | 104.5032% | 389 |
| Net loans and leases to core deposits | 124.0854% | 367 |
| Total domestic deposits to total assets | 82.5663% | 4,044 |
| Equity capital to assets | 9.8377% | 4,290 |
| Core capital (leverage) ratio | 8.6469% | 5,240 |
| Tier 1 risk-based capital ratio | 9.3349% | 6,027 |
| Total risk-based capital ratio | 10.2886% | 6,050 |
| Memoranda: | ||
| Average total assets | $123,387,500 | 4,019 |
| Average earning assets | $114,831,500 | 3,992 |
| Average equity | $12,429,500 | 4,255 |
| Average total loans | $108,438,000 | 3,265 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0288% | 590 |
| Cost of funding earning assets | 0.8123% | 462 |
| Net interest margin | 4.2164% | 1,133 |
| Noninterest income to average assets | 0.0779% | 5,928 |
| Noninterest expense to average assets | 2.8033% | 3,217 |
| Loan and lease loss provision to assets | 0.2146% | 969 |
| Net operating income to assets | 0.9362% | 2,679 |
| Return on assets (ROA) | 0.9362% | 2,761 |
| Pretax return on assets | 0.9738% | 3,571 |
| Return on Equity (ROE) | 9.2889% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.8464% | 963 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6797% | 3,269 |
| Assets per employee ($millions) | 4.4560% | 3,111 |
| Cash dividends to net income (ytd only)* | 15.5285% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 4,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 87.8218% | 131 |
| Net loans and leases to deposits | 107.3856% | 315 |
| Net loans and leases to core deposits | 126.7770% | 319 |
| Total domestic deposits to total assets | 81.7817% | 4,230 |
| Equity capital to assets | 10.3214% | 3,602 |
| Core capital (leverage) ratio | 8.8520% | 5,057 |
| Tier 1 risk-based capital ratio | 9.5405% | 6,039 |
| Total risk-based capital ratio | 10.4631% | 6,079 |
| Memoranda: | ||
| Average total assets | $114,187,200 | 4,172 |
| Average earning assets | $105,989,800 | 4,142 |
| Average equity | $11,508,400 | 4,391 |
| Average total loans | $99,300,800 | 3,393 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 638 |
| Cost of funding earning assets | 0.8011% | 495 |
| Net interest margin | 4.1865% | 1,193 |
| Noninterest income to average assets | 0.0817% | 6,011 |
| Noninterest expense to average assets | 2.8227% | 3,101 |
| Loan and lease loss provision to assets | 0.2130% | 902 |
| Net operating income to assets | 0.8947% | 2,990 |
| Return on assets (ROA) | 0.8947% | 3,077 |
| Pretax return on assets | 0.9302% | 3,885 |
| Return on Equity (ROE) | 8.9351% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.5287% | 1,430 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6058% | 3,114 |
| Assets per employee ($millions) | 4.1961% | 3,525 |
| Cash dividends to net income (ytd only)* | 15.7405% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 5,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 86.8944% | 185 |
| Net loans and leases to deposits | 108.6349% | 284 |
| Net loans and leases to core deposits | 129.7420% | 280 |
| Total domestic deposits to total assets | 79.9876% | 4,757 |
| Equity capital to assets | 9.9624% | 4,198 |
| Core capital (leverage) ratio | 8.6638% | 5,394 |
| Tier 1 risk-based capital ratio | 9.2562% | 6,171 |
| Total risk-based capital ratio | 10.1555% | 6,188 |
| Memoranda: | ||
| Average total assets | $112,655,750 | 4,256 |
| Average earning assets | $104,524,250 | 4,229 |
| Average equity | $11,281,000 | 4,480 |
| Average total loans | $97,456,000 | 3,458 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9624% | 633 |
| Cost of funding earning assets | 0.8057% | 482 |
| Net interest margin | 4.1567% | 1,212 |
| Noninterest income to average assets | 0.0792% | 6,093 |
| Noninterest expense to average assets | 2.8601% | 3,028 |
| Loan and lease loss provision to assets | 0.2161% | 882 |
| Net operating income to assets | 0.8195% | 3,287 |
| Return on assets (ROA) | 0.8195% | 3,391 |
| Pretax return on assets | 0.8501% | 4,131 |
| Return on Equity (ROE) | 8.1690% | 2,955 |
| Retained earnings to average equity (ytd only) | 7.7202% | 1,381 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2477% | 2,970 |
| Assets per employee ($millions) | 4.3167% | 3,273 |
| Cash dividends to net income (ytd only)* | 5.4945% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 5,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 85.2572% | 281 |
| Net loans and leases to deposits | 103.6389% | 473 |
| Net loans and leases to core deposits | 123.2560% | 384 |
| Total domestic deposits to total assets | 82.2637% | 4,205 |
| Equity capital to assets | 9.8222% | 4,250 |
| Core capital (leverage) ratio | 9.0157% | 4,948 |
| Tier 1 risk-based capital ratio | 9.3491% | 6,218 |
| Total risk-based capital ratio | 10.2231% | 6,242 |
| Memoranda: | ||
| Average total assets | $111,043,670 | 4,320 |
| Average earning assets | $102,773,000 | 4,303 |
| Average equity | $11,139,670 | 4,537 |
| Average total loans | $95,592,000 | 3,521 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9791% | 587 |
| Cost of funding earning assets | 0.7970% | 512 |
| Net interest margin | 4.1822% | 1,106 |
| Noninterest income to average assets | 0.0776% | 6,156 |
| Noninterest expense to average assets | 2.8886% | 2,944 |
| Loan and lease loss provision to assets | 0.2216% | 797 |
| Net operating income to assets | 0.7720% | 3,404 |
| Return on assets (ROA) | 0.7720% | 3,546 |
| Pretax return on assets | 0.8052% | 4,217 |
| Return on Equity (ROE) | 7.5207% | 3,210 |
| Retained earnings to average equity (ytd only) | -2.7708% | 5,771 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2075% | 2,953 |
| Assets per employee ($millions) | 4.3295% | 3,326 |
| Cash dividends to net income (ytd only)* | 136.8421% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 5,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 83.3434% | 352 |
| Net loans and leases to deposits | 102.3711% | 439 |
| Net loans and leases to core deposits | 115.9664% | 522 |
| Total domestic deposits to total assets | 81.4130% | 4,698 |
| Equity capital to assets | 9.9558% | 4,199 |
| Core capital (leverage) ratio | 8.8058% | 5,196 |
| Tier 1 risk-based capital ratio | 9.6415% | 6,250 |
| Total risk-based capital ratio | 10.5004% | 6,287 |
| Memoranda: | ||
| Average total assets | $108,289,500 | 4,403 |
| Average earning assets | $99,374,500 | 4,416 |
| Average equity | $11,116,000 | 4,577 |
| Average total loans | $93,256,500 | 3,587 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 689 |
| Cost of funding earning assets | 0.7267% | 970 |
| Net interest margin | 4.3357% | 984 |
| Noninterest income to average assets | 0.0810% | 6,219 |
| Noninterest expense to average assets | 2.7296% | 3,754 |
| Loan and lease loss provision to assets | 0.2519% | 899 |
| Net operating income to assets | 0.9778% | 2,493 |
| Return on assets (ROA) | 0.9845% | 2,537 |
| Pretax return on assets | 1.0245% | 3,408 |
| Return on Equity (ROE) | 9.3088% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.4110% | 866 |
| Net charge-offs to loans | 0.0047% | 4,858 |
| Credit loss provision to net charge-offs | 6,300.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 317.5000% | 175 |
| Efficiency ratio | 67.5331% | 3,976 |
| Assets per employee ($millions) | 4.5222% | 3,002 |
| Cash dividends to net income (ytd only)* | 9.6447% | 4,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 5,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 87.5734% | 133 |
| Net loans and leases to deposits | 109.1033% | 263 |
| Net loans and leases to core deposits | 123.1957% | 336 |
| Total domestic deposits to total assets | 80.2665% | 4,946 |
| Equity capital to assets | 10.5998% | 3,356 |
| Core capital (leverage) ratio | 8.8795% | 5,149 |
| Tier 1 risk-based capital ratio | 9.6779% | 6,325 |
| Total risk-based capital ratio | 10.4998% | 6,363 |
| Memoranda: | ||
| Average total assets | $100,051,400 | 4,599 |
| Average earning assets | $90,411,600 | 4,643 |
| Average equity | $10,581,400 | 4,641 |
| Average total loans | $84,956,800 | 3,740 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0243% | 737 |
| Cost of funding earning assets | 0.7109% | 1,104 |
| Net interest margin | 4.3134% | 1,020 |
| Noninterest income to average assets | 0.0767% | 6,319 |
| Noninterest expense to average assets | 2.6757% | 3,918 |
| Loan and lease loss provision to assets | 0.2584% | 828 |
| Net operating income to assets | 0.9721% | 2,586 |
| Return on assets (ROA) | 0.9812% | 2,607 |
| Pretax return on assets | 1.0229% | 3,507 |
| Return on Equity (ROE) | 9.2830% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.7227% | 1,086 |
| Net charge-offs to loans | 0.0064% | 4,479 |
| Credit loss provision to net charge-offs | 4,800.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 236.3921% | 283 |
| Efficiency ratio | 67.0303% | 4,039 |
| Assets per employee ($millions) | 4.4895% | 2,989 |
| Cash dividends to net income (ytd only)* | 6.0361% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 5,832 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 84.0264% | 337 |
| Net loans and leases to deposits | 103.6718% | 422 |
| Net loans and leases to core deposits | 115.5528% | 528 |
| Total domestic deposits to total assets | 81.0504% | 4,809 |
| Equity capital to assets | 10.4728% | 3,599 |
| Core capital (leverage) ratio | 8.9823% | 5,095 |
| Tier 1 risk-based capital ratio | 9.8226% | 6,381 |
| Total risk-based capital ratio | 10.6104% | 6,432 |
| Memoranda: | ||
| Average total assets | $99,061,500 | 4,664 |
| Average earning assets | $88,899,750 | 4,731 |
| Average equity | $10,470,500 | 4,696 |
| Average total loans | $83,230,750 | 3,815 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 753 |
| Cost of funding earning assets | 0.7112% | 1,132 |
| Net interest margin | 4.2875% | 1,047 |
| Noninterest income to average assets | 0.0799% | 6,350 |
| Noninterest expense to average assets | 2.6622% | 4,010 |
| Loan and lease loss provision to assets | 0.2662% | 783 |
| Net operating income to assets | 0.9729% | 2,445 |
| Return on assets (ROA) | 0.9768% | 2,507 |
| Pretax return on assets | 1.0198% | 3,397 |
| Return on Equity (ROE) | 9.2121% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.3623% | 1,186 |
| Net charge-offs to loans | -0.0024% | 5,074 |
| Credit loss provision to net charge-offs | -13,000.0000% | 5,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7186% | 4,242 |
| Assets per employee ($millions) | 4.6255% | 2,733 |
| Cash dividends to net income (ytd only)* | 9.2243% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7734% | 6,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.3499% | 761 |
| Net loans and leases to deposits | 96.6899% | 760 |
| Net loans and leases to core deposits | 107.4649% | 796 |
| Total domestic deposits to total assets | 82.0664% | 4,623 |
| Equity capital to assets | 9.9373% | 4,195 |
| Core capital (leverage) ratio | 8.6742% | 5,442 |
| Tier 1 risk-based capital ratio | 9.8352% | 6,441 |
| Total risk-based capital ratio | 10.5830% | 6,498 |
| Memoranda: | ||
| Average total assets | $97,662,670 | 4,741 |
| Average earning assets | $88,022,330 | 4,776 |
| Average equity | $10,356,000 | 4,731 |
| Average total loans | $81,814,670 | 3,857 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 487 |
| Cost of funding earning assets | 0.7414% | 1,004 |
| Net interest margin | 4.4529% | 723 |
| Noninterest income to average assets | 0.0772% | 6,403 |
| Noninterest expense to average assets | 2.8038% | 3,548 |
| Loan and lease loss provision to assets | 0.2701% | 770 |
| Net operating income to assets | 0.9734% | 2,309 |
| Return on assets (ROA) | 0.9818% | 2,335 |
| Pretax return on assets | 1.0032% | 3,305 |
| Return on Equity (ROE) | 8.9383% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.9383% | 1,267 |
| Net charge-offs to loans | -0.0050% | 4,820 |
| Credit loss provision to net charge-offs | -6,300.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1770% | 4,152 |
| Assets per employee ($millions) | 4.5224% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 6,216 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 83.9383% | 240 |
| Net loans and leases to deposits | 104.4332% | 278 |
| Net loans and leases to core deposits | 118.7909% | 346 |
| Total domestic deposits to total assets | 80.3751% | 5,409 |
| Equity capital to assets | 10.9096% | 2,813 |
| Core capital (leverage) ratio | 9.0295% | 4,964 |
| Tier 1 risk-based capital ratio | 10.1347% | 6,443 |
| Total risk-based capital ratio | 10.8442% | 6,522 |
| Memoranda: | ||
| Average total assets | $93,300,500 | 4,890 |
| Average earning assets | $83,630,500 | 4,928 |
| Average equity | $10,248,000 | 4,767 |
| Average total loans | $80,184,000 | 3,925 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 440 |
| Cost of funding earning assets | 0.7712% | 1,366 |
| Net interest margin | 4.6234% | 581 |
| Noninterest income to average assets | 0.0826% | 6,450 |
| Noninterest expense to average assets | 2.9071% | 3,352 |
| Loan and lease loss provision to assets | 0.4151% | 713 |
| Net operating income to assets | 0.7914% | 3,330 |
| Return on assets (ROA) | 0.7925% | 3,429 |
| Pretax return on assets | 0.8196% | 4,076 |
| Return on Equity (ROE) | 7.2143% | 3,448 |
| Retained earnings to average equity (ytd only) | 6.4092% | 1,733 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2680% | 3,965 |
| Assets per employee ($millions) | 4.5815% | 2,751 |
| Cash dividends to net income (ytd only)* | 11.1607% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 6,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 86.7980% | 124 |
| Net loans and leases to deposits | 111.4626% | 150 |
| Net loans and leases to core deposits | 130.4076% | 192 |
| Total domestic deposits to total assets | 77.8719% | 5,847 |
| Equity capital to assets | 11.0608% | 2,560 |
| Core capital (leverage) ratio | 9.2403% | 4,654 |
| Tier 1 risk-based capital ratio | 9.6927% | 6,575 |
| Total risk-based capital ratio | 10.3151% | 6,640 |
| Memoranda: | ||
| Average total assets | $84,793,400 | 5,122 |
| Average earning assets | $74,425,400 | 5,185 |
| Average equity | $9,314,800 | 5,014 |
| Average total loans | $69,594,200 | 4,282 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 869 |
| Cost of funding earning assets | 0.7754% | 1,452 |
| Net interest margin | 4.2590% | 1,191 |
| Noninterest income to average assets | 0.0867% | 6,519 |
| Noninterest expense to average assets | 2.8805% | 3,373 |
| Loan and lease loss provision to assets | 0.4590% | 616 |
| Net operating income to assets | 0.4428% | 5,052 |
| Return on assets (ROA) | 0.4413% | 5,209 |
| Pretax return on assets | 0.4654% | 5,459 |
| Return on Equity (ROE) | 4.0249% | 5,211 |
| Retained earnings to average equity (ytd only) | 4.0249% | 3,828 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6206% | 2,963 |
| Assets per employee ($millions) | 4.0850% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6129% | 6,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 87.3321% | 101 |
| Net loans and leases to deposits | 111.7064% | 134 |
| Net loans and leases to core deposits | 121.3270% | 302 |
| Total domestic deposits to total assets | 78.1801% | 5,876 |
| Equity capital to assets | 11.3856% | 2,395 |
| Core capital (leverage) ratio | 9.4002% | 4,529 |
| Tier 1 risk-based capital ratio | 9.7934% | 6,639 |
| Total risk-based capital ratio | 10.3714% | 6,711 |
| Memoranda: | ||
| Average total assets | $83,084,250 | 5,212 |
| Average earning assets | $72,566,250 | 5,286 |
| Average equity | $9,109,750 | 5,111 |
| Average total loans | $66,977,750 | 4,409 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9483% | 1,005 |
| Cost of funding earning assets | 0.7855% | 1,492 |
| Net interest margin | 4.1628% | 1,372 |
| Noninterest income to average assets | 0.0852% | 6,571 |
| Noninterest expense to average assets | 2.8400% | 3,548 |
| Loan and lease loss provision to assets | 0.2823% | 1,289 |
| Net operating income to assets | 0.5183% | 4,721 |
| Return on assets (ROA) | 0.5159% | 4,899 |
| Pretax return on assets | 0.5329% | 5,260 |
| Return on Equity (ROE) | 4.7690% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.7690% | 3,209 |
| Net charge-offs to loans | 0.0031% | 4,858 |
| Credit loss provision to net charge-offs | 11,600.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 145 |
| Efficiency ratio | 76.5136% | 2,709 |
| Assets per employee ($millions) | 4.5426% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4145% | 6,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 81.0103% | 438 |
| Net loans and leases to deposits | 101.9480% | 337 |
| Net loans and leases to core deposits | 110.4948% | 547 |
| Total domestic deposits to total assets | 79.4624% | 5,719 |
| Equity capital to assets | 10.9895% | 2,761 |
| Core capital (leverage) ratio | 9.2948% | 4,547 |
| Tier 1 risk-based capital ratio | 9.9186% | 6,651 |
| Total risk-based capital ratio | 10.3031% | 6,759 |
| Memoranda: | ||
| Average total assets | $82,184,330 | 5,270 |
| Average earning assets | $70,529,670 | 5,376 |
| Average equity | $8,890,670 | 5,199 |
| Average total loans | $64,177,330 | 4,527 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 714 |
| Cost of funding earning assets | 0.8004% | 1,522 |
| Net interest margin | 4.3209% | 928 |
| Noninterest income to average assets | 0.0899% | 6,610 |
| Noninterest expense to average assets | 2.8806% | 3,415 |
| Loan and lease loss provision to assets | 0.3345% | 1,005 |
| Net operating income to assets | 0.4543% | 4,896 |
| Return on assets (ROA) | 0.4493% | 5,070 |
| Pretax return on assets | 0.4543% | 5,402 |
| Return on Equity (ROE) | 4.1892% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.1892% | 3,705 |
| Net charge-offs to loans | 0.0131% | 3,885 |
| Credit loss provision to net charge-offs | 3,350.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 469 |
| Efficiency ratio | 77.3098% | 2,722 |
| Assets per employee ($millions) | 4.4739% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3844% | 6,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 73.4745% | 1,147 |
| Net loans and leases to deposits | 91.1541% | 877 |
| Net loans and leases to core deposits | 97.0206% | 1,142 |
| Total domestic deposits to total assets | 80.6047% | 5,599 |
| Equity capital to assets | 10.4053% | 3,661 |
| Core capital (leverage) ratio | 9.3776% | 4,279 |
| Tier 1 risk-based capital ratio | 9.9281% | 6,704 |
| Total risk-based capital ratio | 10.2761% | 6,811 |
| Memoranda: | ||
| Average total assets | $80,121,500 | 5,364 |
| Average earning assets | $66,467,000 | 5,530 |
| Average equity | $8,593,500 | 5,333 |
| Average total loans | $61,160,500 | 4,664 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 2,225 |
| Cost of funding earning assets | 0.8958% | 1,960 |
| Net interest margin | 3.8972% | 2,837 |
| Noninterest income to average assets | 0.1427% | 6,324 |
| Noninterest expense to average assets | 3.7141% | 1,389 |
| Loan and lease loss provision to assets | 0.1685% | 3,515 |
| Net operating income to assets | -0.2837% | 6,427 |
| Return on assets (ROA) | -0.1960% | 6,441 |
| Pretax return on assets | -0.1960% | 6,422 |
| Return on Equity (ROE) | -1.6604% | 6,434 |
| Retained earnings to average equity (ytd only) | -1.6604% | 6,112 |
| Net charge-offs to loans | -0.0342% | 6,634 |
| Credit loss provision to net charge-offs | -700.0000% | 6,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7678% | 499 |
| Assets per employee ($millions) | 3.9599% | 4,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2952% | 6,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 79.0119% | 562 |
| Net loans and leases to deposits | 109.6424% | 163 |
| Net loans and leases to core deposits | 115.6556% | 370 |
| Total domestic deposits to total assets | 72.0633% | 6,687 |
| Equity capital to assets | 11.0875% | 2,850 |
| Core capital (leverage) ratio | 10.4827% | 2,788 |
| Tier 1 risk-based capital ratio | 10.0511% | 6,683 |
| Total risk-based capital ratio | 10.3284% | 6,842 |
| Memoranda: | ||
| Average total assets | $58,156,600 | 5,967 |
| Average earning assets | $51,575,200 | 5,995 |
| Average equity | $6,866,000 | 5,802 |
| Average total loans | $40,942,000 | 5,462 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 2,173 |
| Cost of funding earning assets | 0.9557% | 1,821 |
| Net interest margin | 3.8995% | 2,915 |
| Noninterest income to average assets | 0.1732% | 6,269 |
| Noninterest expense to average assets | 3.9119% | 1,049 |
| Loan and lease loss provision to assets | 0.1806% | 3,331 |
| Net operating income to assets | -0.3959% | 6,644 |
| Return on assets (ROA) | -0.2697% | 6,616 |
| Pretax return on assets | -0.2697% | 6,585 |
| Return on Equity (ROE) | -2.2369% | 6,584 |
| Retained earnings to average equity (ytd only) | -2.2369% | 6,418 |
| Net charge-offs to loans | -0.0478% | 6,696 |
| Credit loss provision to net charge-offs | -561.5385% | 6,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3507% | 415 |
| Assets per employee ($millions) | 3.2410% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3271% | 7,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 78.3554% | 686 |
| Net loans and leases to deposits | 101.7745% | 362 |
| Net loans and leases to core deposits | 106.8114% | 701 |
| Total domestic deposits to total assets | 76.9893% | 6,233 |
| Equity capital to assets | 10.8780% | 3,407 |
| Core capital (leverage) ratio | 8.2517% | 6,084 |
| Tier 1 risk-based capital ratio | 8.5733% | 6,971 |
| Total risk-based capital ratio | 8.8673% | 7,017 |
| Memoranda: | ||
| Average total assets | $53,886,250 | 6,158 |
| Average earning assets | $48,689,250 | 6,172 |
| Average equity | $6,497,000 | 5,963 |
| Average total loans | $36,271,750 | 5,737 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 1,044 |
| Cost of funding earning assets | 0.9941% | 1,797 |
| Net interest margin | 4.3106% | 1,457 |
| Noninterest income to average assets | 0.2099% | 6,059 |
| Noninterest expense to average assets | 3.9197% | 1,047 |
| Loan and lease loss provision to assets | 0.3664% | 1,792 |
| Net operating income to assets | -0.1870% | 6,525 |
| Return on assets (ROA) | -0.1183% | 6,550 |
| Pretax return on assets | -0.1183% | 6,529 |
| Return on Equity (ROE) | -0.9470% | 6,539 |
| Retained earnings to average equity (ytd only) | -0.9470% | 6,203 |
| Net charge-offs to loans | -0.0907% | 6,836 |
| Credit loss provision to net charge-offs | -640.0000% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5065% | 779 |
| Assets per employee ($millions) | 3.6496% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4926% | 7,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 64.5769% | 2,913 |
| Net loans and leases to deposits | 79.3161% | 2,481 |
| Net loans and leases to core deposits | 81.9149% | 2,970 |
| Total domestic deposits to total assets | 81.4171% | 5,327 |
| Equity capital to assets | 11.7876% | 2,327 |
| Core capital (leverage) ratio | 8.6067% | 5,507 |
| Tier 1 risk-based capital ratio | 11.4939% | 6,220 |
| Total risk-based capital ratio | 11.9378% | 6,606 |
| Memoranda: | ||
| Average total assets | $52,402,330 | 6,253 |
| Average earning assets | $47,278,670 | 6,253 |
| Average equity | $6,547,330 | 5,969 |
| Average total loans | $33,075,330 | 5,907 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 1,351 |
| Cost of funding earning assets | 0.9605% | 2,229 |
| Net interest margin | 4.2229% | 1,695 |
| Noninterest income to average assets | 0.3357% | 5,174 |
| Noninterest expense to average assets | 3.9273% | 1,028 |
| Loan and lease loss provision to assets | 0.6558% | 826 |
| Net operating income to assets | -0.4372% | 6,792 |
| Return on assets (ROA) | -0.2967% | 6,746 |
| Pretax return on assets | -0.2967% | 6,728 |
| Return on Equity (ROE) | -2.3050% | 6,713 |
| Retained earnings to average equity (ytd only) | -2.3050% | 6,323 |
| Net charge-offs to loans | -0.1884% | 6,979 |
| Credit loss provision to net charge-offs | -560.0000% | 5,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1488% | 1,004 |
| Assets per employee ($millions) | 3.8624% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 7,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 63.4494% | 2,962 |
| Net loans and leases to deposits | 78.1615% | 2,480 |
| Net loans and leases to core deposits | 80.7537% | 2,975 |
| Total domestic deposits to total assets | 81.1773% | 5,551 |
| Equity capital to assets | 12.0023% | 2,038 |
| Core capital (leverage) ratio | 10.6028% | 2,645 |
| Tier 1 risk-based capital ratio | 12.3188% | 5,743 |
| Total risk-based capital ratio | 12.7621% | 6,255 |
| Memoranda: | ||
| Average total assets | $51,231,500 | 6,332 |
| Average earning assets | $46,224,000 | 6,321 |
| Average equity | $6,594,500 | 5,995 |
| Average total loans | $31,849,500 | 6,016 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7946% | 7,332 |
| Cost of funding earning assets | 0.1857% | 7,251 |
| Net interest margin | 0.6089% | 7,327 |
| Noninterest income to average assets | 0.0153% | 6,944 |
| Noninterest expense to average assets | 0.7673% | 7,313 |
| Loan and lease loss provision to assets | 0.1399% | 4,869 |
| Net operating income to assets | -0.3170% | 6,358 |
| Return on assets (ROA) | -0.3170% | 6,409 |
| Pretax return on assets | -0.3257% | 6,368 |
| Return on Equity (ROE) | -2.8773% | 6,400 |
| Retained earnings to average equity (ytd only) | -2.8773% | 6,257 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0677% | 253 |
| Assets per employee ($millions) | 4.3991% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2190% | 7,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 4,793 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.2666% | 3,943 |
| Net loans and leases to deposits | 76.3190% | 3,125 |
| Net loans and leases to core deposits | 79.2322% | 3,544 |
| Total domestic deposits to total assets | 78.9667% | 6,001 |
| Equity capital to assets | 13.8438% | 1,129 |
| Core capital (leverage) ratio | 10.4498% | 2,788 |
| Tier 1 risk-based capital ratio | 14.1339% | 4,231 |
| Total risk-based capital ratio | 14.3328% | 4,975 |
| Memoranda: | ||
| Average total assets | $45,746,400 | 6,489 |
| Average earning assets | $42,536,400 | 6,440 |
| Average equity | $5,039,400 | 6,433 |
| Average total loans | $28,223,400 | 6,242 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 5,162 |
| Cost of funding earning assets | 1.2584% | 1,949 |
| Net interest margin | 3.2718% | 5,946 |
| Noninterest income to average assets | 0.3075% | 5,395 |
| Noninterest expense to average assets | 2.4545% | 5,612 |
| Loan and lease loss provision to assets | 0.1774% | 4,259 |
| Net operating income to assets | 0.7218% | 3,497 |
| Return on assets (ROA) | 0.7275% | 3,657 |
| Pretax return on assets | 0.7571% | 4,290 |
| Return on Equity (ROE) | 7.0924% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.0924% | 1,922 |
| Net charge-offs to loans | 0.8532% | 1,865 |
| Credit loss provision to net charge-offs | 33.5196% | 5,362 |
| Earnings coverage of net charge-offs (x) | 1.7542% | 4,338 |
| Efficiency ratio | 72.5524% | 3,446 |
| Assets per employee ($millions) | 5.6261% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,711 |
| Loan loss allowance to noncurrent loans | 10,775.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 7,049 |
| Noncurrent loans to loans | 0.0148% | 6,911 |
| Net loans and leases to total assets | 59.2326% | 4,285 |
| Net loans and leases to deposits | 73.4881% | 3,727 |
| Net loans and leases to core deposits | 76.4971% | 4,133 |
| Total domestic deposits to total assets | 80.6017% | 5,565 |
| Equity capital to assets | 10.6312% | 3,536 |
| Core capital (leverage) ratio | 10.0535% | 3,364 |
| Tier 1 risk-based capital ratio | 15.5002% | 3,386 |
| Total risk-based capital ratio | 16.7541% | 3,355 |
| Memoranda: | ||
| Average total assets | $45,085,500 | 6,557 |
| Average earning assets | $42,381,000 | 6,503 |
| Average equity | $4,624,500 | 6,606 |
| Average total loans | $27,972,500 | 6,304 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 5,002 |
| Cost of funding earning assets | 1.2679% | 2,135 |
| Net interest margin | 3.3230% | 5,794 |
| Noninterest income to average assets | 0.3990% | 4,689 |
| Noninterest expense to average assets | 2.5537% | 5,341 |
| Loan and lease loss provision to assets | 0.2660% | 3,274 |
| Net operating income to assets | 0.6742% | 3,672 |
| Return on assets (ROA) | 0.6828% | 3,754 |
| Pretax return on assets | 0.7138% | 4,338 |
| Return on Equity (ROE) | 6.7381% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.7381% | 1,994 |
| Net charge-offs to loans | 1.2736% | 1,220 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 1.2167% | 4,374 |
| Efficiency ratio | 72.4528% | 3,646 |
| Assets per employee ($millions) | 5.6531% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 3,583 |
| Loan loss allowance to noncurrent loans | 74.2660% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2913% | 4,317 |
| Noncurrent loans to loans | 2.1935% | 3,233 |
| Net loans and leases to total assets | 57.4151% | 4,741 |
| Net loans and leases to deposits | 70.3476% | 4,392 |
| Net loans and leases to core deposits | 73.1663% | 4,689 |
| Total domestic deposits to total assets | 81.6164% | 5,311 |
| Equity capital to assets | 10.3438% | 3,695 |
| Core capital (leverage) ratio | 9.7526% | 3,592 |
| Tier 1 risk-based capital ratio | 15.6988% | 3,129 |
| Total risk-based capital ratio | 16.9525% | 3,100 |
| Memoranda: | ||
| Average total assets | $45,111,000 | 6,619 |
| Average earning assets | $42,431,330 | 6,562 |
| Average equity | $4,571,000 | 6,662 |
| Average total loans | $28,266,330 | 6,352 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 4,496 |
| Cost of funding earning assets | 1.2852% | 2,273 |
| Net interest margin | 3.4208% | 5,347 |
| Noninterest income to average assets | 0.1509% | 6,643 |
| Noninterest expense to average assets | 2.5392% | 5,425 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7898% | 3,085 |
| Return on assets (ROA) | 0.7813% | 3,188 |
| Pretax return on assets | 0.8168% | 3,839 |
| Return on Equity (ROE) | 7.7919% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.7919% | 1,812 |
| Net charge-offs to loans | -0.0137% | 6,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4617% | 3,249 |
| Assets per employee ($millions) | 5.7628% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 2,497 |
| Loan loss allowance to noncurrent loans | 92.2948% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 4,176 |
| Noncurrent loans to loans | 2.1328% | 3,400 |
| Net loans and leases to total assets | 59.5224% | 4,354 |
| Net loans and leases to deposits | 73.4856% | 3,849 |
| Net loans and leases to core deposits | 76.3863% | 4,255 |
| Total domestic deposits to total assets | 80.9987% | 5,653 |
| Equity capital to assets | 9.8868% | 3,913 |
| Core capital (leverage) ratio | 9.4995% | 3,808 |
| Tier 1 risk-based capital ratio | 13.9398% | 4,112 |
| Total risk-based capital ratio | 15.1966% | 4,081 |
| Memoranda: | ||
| Average total assets | $45,054,000 | 6,665 |
| Average earning assets | $42,329,500 | 6,608 |
| Average equity | $4,517,500 | 6,708 |
| Average total loans | $29,201,500 | 6,367 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 5,018 |
| Cost of funding earning assets | 1.4607% | 2,888 |
| Net interest margin | 3.4425% | 5,464 |
| Noninterest income to average assets | 0.1551% | 6,613 |
| Noninterest expense to average assets | 2.6722% | 5,114 |
| Loan and lease loss provision to assets | 0.2105% | 5,147 |
| Net operating income to assets | 0.4786% | 4,198 |
| Return on assets (ROA) | 0.5761% | 3,938 |
| Pretax return on assets | 0.5761% | 4,399 |
| Return on Equity (ROE) | 5.8121% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.4873% | 3,429 |
| Net charge-offs to loans | 0.1864% | 5,187 |
| Credit loss provision to net charge-offs | 175.9259% | 1,896 |
| Earnings coverage of net charge-offs (x) | 5.7593% | 2,540 |
| Efficiency ratio | 79.4990% | 2,481 |
| Assets per employee ($millions) | 5.5008% | 1,574 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 2,833 |
| Loan loss allowance to noncurrent loans | 93.3786% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4521% | 4,151 |
| Noncurrent loans to loans | 1.9368% | 3,652 |
| Net loans and leases to total assets | 67.8567% | 3,016 |
| Net loans and leases to deposits | 86.1914% | 2,058 |
| Net loans and leases to core deposits | 89.8562% | 2,792 |
| Total domestic deposits to total assets | 78.7279% | 6,156 |
| Equity capital to assets | 10.1736% | 3,527 |
| Core capital (leverage) ratio | 9.6289% | 3,512 |
| Tier 1 risk-based capital ratio | 13.0571% | 4,558 |
| Total risk-based capital ratio | 14.3130% | 4,513 |
| Memoranda: | ||
| Average total assets | $45,130,600 | 6,693 |
| Average earning assets | $42,034,000 | 6,638 |
| Average equity | $4,473,400 | 6,824 |
| Average total loans | $28,963,600 | 6,446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 5,251 |
| Cost of funding earning assets | 1.4954% | 3,007 |
| Net interest margin | 3.4080% | 5,644 |
| Noninterest income to average assets | 0.1615% | 6,709 |
| Noninterest expense to average assets | 2.7804% | 4,565 |
| Loan and lease loss provision to assets | 0.2202% | 4,858 |
| Net operating income to assets | 0.3259% | 5,063 |
| Return on assets (ROA) | 0.4463% | 4,746 |
| Pretax return on assets | 0.4463% | 5,092 |
| Return on Equity (ROE) | 4.5312% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.5312% | 3,320 |
| Net charge-offs to loans | 0.1492% | 5,115 |
| Credit loss provision to net charge-offs | 234.3750% | 1,447 |
| Earnings coverage of net charge-offs (x) | 5.8118% | 2,673 |
| Efficiency ratio | 83.5834% | 1,883 |
| Assets per employee ($millions) | 5.4651% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 2,354 |
| Loan loss allowance to noncurrent loans | 93.5593% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.4638% | 4,257 |
| Noncurrent loans to loans | 2.0823% | 3,588 |
| Net loans and leases to total assets | 63.5438% | 4,215 |
| Net loans and leases to deposits | 79.9344% | 3,463 |
| Net loans and leases to core deposits | 83.3068% | 4,048 |
| Total domestic deposits to total assets | 79.4950% | 5,870 |
| Equity capital to assets | 10.5075% | 3,506 |
| Core capital (leverage) ratio | 9.5586% | 3,818 |
| Tier 1 risk-based capital ratio | 13.9027% | 3,912 |
| Total risk-based capital ratio | 15.1607% | 3,871 |
| Memoranda: | ||
| Average total assets | $45,411,750 | 6,766 |
| Average earning assets | $42,174,000 | 6,716 |
| Average equity | $4,472,500 | 6,918 |
| Average total loans | $28,601,750 | 6,551 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 5,402 |
| Cost of funding earning assets | 1.5305% | 3,069 |
| Net interest margin | 3.3661% | 5,771 |
| Noninterest income to average assets | 0.1740% | 6,662 |
| Noninterest expense to average assets | 2.7928% | 4,514 |
| Loan and lease loss provision to assets | 0.2175% | 4,710 |
| Net operating income to assets | 0.2828% | 5,254 |
| Return on assets (ROA) | 0.3045% | 5,322 |
| Pretax return on assets | 0.3045% | 5,482 |
| Return on Equity (ROE) | 3.1588% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.1588% | 4,101 |
| Net charge-offs to loans | 0.1603% | 4,661 |
| Credit loss provision to net charge-offs | 217.3913% | 1,796 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,784 |
| Efficiency ratio | 84.8085% | 1,833 |
| Assets per employee ($millions) | 5.7578% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 2,520 |
| Loan loss allowance to noncurrent loans | 87.7250% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 4,318 |
| Noncurrent loans to loans | 2.1273% | 3,557 |
| Net loans and leases to total assets | 61.1914% | 4,842 |
| Net loans and leases to deposits | 78.9303% | 3,813 |
| Net loans and leases to core deposits | 82.1582% | 4,394 |
| Total domestic deposits to total assets | 77.5259% | 6,385 |
| Equity capital to assets | 9.7716% | 4,312 |
| Core capital (leverage) ratio | 9.2320% | 4,247 |
| Tier 1 risk-based capital ratio | 13.5678% | 4,027 |
| Total risk-based capital ratio | 14.8226% | 3,993 |
| Memoranda: | ||
| Average total assets | $45,975,330 | 6,788 |
| Average earning assets | $42,601,000 | 6,755 |
| Average equity | $4,432,000 | 6,962 |
| Average total loans | $28,691,000 | 6,595 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 5,413 |
| Cost of funding earning assets | 1.5831% | 3,056 |
| Net interest margin | 3.3273% | 5,874 |
| Noninterest income to average assets | 0.1568% | 6,847 |
| Noninterest expense to average assets | 2.7867% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4267% | 4,726 |
| Return on assets (ROA) | 0.4616% | 4,693 |
| Pretax return on assets | 0.4616% | 5,079 |
| Return on Equity (ROE) | 4.8209% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.8209% | 3,256 |
| Net charge-offs to loans | -0.7533% | 7,836 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7209% | 1,716 |
| Assets per employee ($millions) | 5.7336% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 2,124 |
| Loan loss allowance to noncurrent loans | 75.2674% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.6743% | 3,960 |
| Noncurrent loans to loans | 2.6877% | 2,985 |
| Net loans and leases to total assets | 59.4454% | 5,207 |
| Net loans and leases to deposits | 74.2181% | 4,706 |
| Net loans and leases to core deposits | 76.2500% | 5,224 |
| Total domestic deposits to total assets | 80.0955% | 5,749 |
| Equity capital to assets | 9.6165% | 4,353 |
| Core capital (leverage) ratio | 8.9049% | 4,724 |
| Tier 1 risk-based capital ratio | 13.6510% | 3,894 |
| Total risk-based capital ratio | 14.9088% | 3,845 |
| Memoranda: | ||
| Average total assets | $45,932,000 | 6,876 |
| Average earning assets | $42,197,000 | 6,853 |
| Average equity | $4,397,500 | 7,037 |
| Average total loans | $28,675,500 | 6,678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3637% | 4,870 |
| Cost of funding earning assets | 1.8989% | 3,467 |
| Net interest margin | 3.4648% | 5,110 |
| Noninterest income to average assets | 0.1367% | 7,070 |
| Noninterest expense to average assets | 2.8962% | 4,541 |
| Loan and lease loss provision to assets | 0.2563% | 5,345 |
| Net operating income to assets | 0.1837% | 4,950 |
| Return on assets (ROA) | 0.5190% | 3,745 |
| Pretax return on assets | 0.5190% | 4,133 |
| Return on Equity (ROE) | 5.5647% | 3,397 |
| Retained earnings to average equity (ytd only) | 3.3205% | 2,849 |
| Net charge-offs to loans | 0.5735% | 3,499 |
| Credit loss provision to net charge-offs | 68.9655% | 6,510 |
| Earnings coverage of net charge-offs (x) | 1.1839% | 4,939 |
| Efficiency ratio | 86.8118% | 2,021 |
| Assets per employee ($millions) | 5.1106% | 2,065 |
| Cash dividends to net income (ytd only)* | 40.3292% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 2,795 |
| Loan loss allowance to noncurrent loans | 70.0549% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.6263% | 3,929 |
| Noncurrent loans to loans | 2.4660% | 3,085 |
| Net loans and leases to total assets | 63.0742% | 4,789 |
| Net loans and leases to deposits | 78.3298% | 4,311 |
| Net loans and leases to core deposits | 99.3936% | 4,063 |
| Total domestic deposits to total assets | 80.5240% | 5,503 |
| Equity capital to assets | 9.5315% | 4,380 |
| Core capital (leverage) ratio | 8.8401% | 4,702 |
| Tier 1 risk-based capital ratio | 12.8180% | 4,271 |
| Total risk-based capital ratio | 14.0729% | 4,217 |
| Memoranda: | ||
| Average total assets | $46,820,000 | 6,833 |
| Average earning assets | $43,235,000 | 6,802 |
| Average equity | $4,366,800 | 7,154 |
| Average total loans | $30,338,600 | 6,606 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3838% | 5,023 |
| Cost of funding earning assets | 1.9328% | 3,700 |
| Net interest margin | 3.4510% | 5,071 |
| Noninterest income to average assets | 0.1333% | 7,212 |
| Noninterest expense to average assets | 2.9061% | 4,430 |
| Loan and lease loss provision to assets | 0.2410% | 5,037 |
| Net operating income to assets | 0.1956% | 5,175 |
| Return on assets (ROA) | 0.6011% | 3,653 |
| Pretax return on assets | 0.6011% | 4,183 |
| Return on Equity (ROE) | 6.4793% | 3,308 |
| Retained earnings to average equity (ytd only) | 5.4095% | 2,250 |
| Net charge-offs to loans | 0.3230% | 4,020 |
| Credit loss provision to net charge-offs | 114.8649% | 4,418 |
| Earnings coverage of net charge-offs (x) | 2.0812% | 4,264 |
| Efficiency ratio | 86.9381% | 1,968 |
| Assets per employee ($millions) | 5.2833% | 1,805 |
| Cash dividends to net income (ytd only)* | 16.5110% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 1,991 |
| Loan loss allowance to noncurrent loans | 385.9060% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 6,594 |
| Noncurrent loans to loans | 0.4965% | 6,319 |
| Net loans and leases to total assets | 61.9096% | 5,262 |
| Net loans and leases to deposits | 79.7735% | 4,423 |
| Net loans and leases to core deposits | 101.8792% | 4,168 |
| Total domestic deposits to total assets | 77.6067% | 6,192 |
| Equity capital to assets | 9.2871% | 5,058 |
| Core capital (leverage) ratio | 9.0889% | 4,512 |
| Tier 1 risk-based capital ratio | 12.6368% | 4,449 |
| Total risk-based capital ratio | 13.8914% | 4,393 |
| Memoranda: | ||
| Average total assets | $47,026,250 | 6,873 |
| Average earning assets | $43,735,000 | 6,828 |
| Average equity | $4,362,500 | 7,230 |
| Average total loans | $30,543,000 | 6,654 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5373% | 4,399 |
| Cost of funding earning assets | 2.0152% | 3,704 |
| Net interest margin | 3.5221% | 4,691 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 2.8387% | 4,784 |
| Loan and lease loss provision to assets | 0.3628% | 3,749 |
| Net operating income to assets | 0.0811% | 5,618 |
| Return on assets (ROA) | 0.6958% | 3,384 |
| Pretax return on assets | 0.6958% | 4,010 |
| Return on Equity (ROE) | 7.5034% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.8923% | 2,071 |
| Net charge-offs to loans | 0.4037% | 3,181 |
| Credit loss provision to net charge-offs | 137.0968% | 3,408 |
| Earnings coverage of net charge-offs (x) | 1.6774% | 4,290 |
| Efficiency ratio | 86.4759% | 2,182 |
| Assets per employee ($millions) | 5.1380% | 1,924 |
| Cash dividends to net income (ytd only)* | 21.4724% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 1,714 |
| Loan loss allowance to noncurrent loans | 2,253.8462% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,850 |
| Noncurrent loans to loans | 0.0857% | 7,310 |
| Net loans and leases to total assets | 64.3138% | 4,921 |
| Net loans and leases to deposits | 78.4779% | 4,788 |
| Net loans and leases to core deposits | 100.6941% | 4,440 |
| Total domestic deposits to total assets | 81.9515% | 4,710 |
| Equity capital to assets | 9.2492% | 4,941 |
| Core capital (leverage) ratio | 8.8002% | 4,943 |
| Tier 1 risk-based capital ratio | 12.4255% | 4,578 |
| Total risk-based capital ratio | 13.6801% | 4,500 |
| Memoranda: | ||
| Average total assets | $46,851,670 | 6,946 |
| Average earning assets | $43,667,670 | 6,896 |
| Average equity | $4,344,670 | 7,295 |
| Average total loans | $30,719,670 | 6,693 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6135% | 4,272 |
| Cost of funding earning assets | 2.0960% | 3,675 |
| Net interest margin | 3.5176% | 4,661 |
| Noninterest income to average assets | 0.1612% | 7,153 |
| Noninterest expense to average assets | 2.6804% | 5,099 |
| Loan and lease loss provision to assets | 0.6786% | 1,862 |
| Net operating income to assets | 0.0763% | 6,049 |
| Return on assets (ROA) | 0.5938% | 4,237 |
| Pretax return on assets | 0.5938% | 4,775 |
| Return on Equity (ROE) | 6.3949% | 3,865 |
| Retained earnings to average equity (ytd only) | 3.1974% | 4,094 |
| Net charge-offs to loans | 0.7763% | 1,656 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | 1.4833% | 3,996 |
| Efficiency ratio | 78.0247% | 3,162 |
| Assets per employee ($millions) | 5.2620% | 1,780 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 1,629 |
| Loan loss allowance to noncurrent loans | 58,300.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 6,708 |
| Noncurrent loans to loans | 0.0032% | 7,577 |
| Net loans and leases to total assets | 63.7907% | 5,028 |
| Net loans and leases to deposits | 75.6460% | 5,265 |
| Net loans and leases to core deposits | 95.2756% | 5,037 |
| Total domestic deposits to total assets | 84.3279% | 3,540 |
| Equity capital to assets | 9.1241% | 5,193 |
| Core capital (leverage) ratio | 8.5531% | 5,426 |
| Tier 1 risk-based capital ratio | 11.9068% | 5,036 |
| Total risk-based capital ratio | 13.1633% | 4,942 |
| Memoranda: | ||
| Average total assets | $47,156,500 | 6,979 |
| Average earning assets | $43,894,000 | 6,939 |
| Average equity | $4,378,500 | 7,327 |
| Average total loans | $30,916,500 | 6,708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1395% | 4,835 |
| Cost of funding earning assets | 2.7909% | 2,741 |
| Net interest margin | 3.3486% | 5,868 |
| Noninterest income to average assets | 0.1466% | 7,366 |
| Noninterest expense to average assets | 2.7497% | 5,043 |
| Loan and lease loss provision to assets | 0.1078% | 5,993 |
| Net operating income to assets | 0.3839% | 5,215 |
| Return on assets (ROA) | 0.3968% | 4,976 |
| Pretax return on assets | 0.3968% | 5,265 |
| Return on Equity (ROE) | 4.5425% | 4,581 |
| Retained earnings to average equity (ytd only) | 2.1231% | 3,911 |
| Net charge-offs to loans | 0.0836% | 5,565 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 9.1200% | 2,753 |
| Efficiency ratio | 84.8303% | 1,976 |
| Assets per employee ($millions) | 5.8694% | 1,214 |
| Cash dividends to net income (ytd only)* | 53.2609% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8138% | 1,596 |
| Loan loss allowance to noncurrent loans | 908.0645% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 6,032 |
| Noncurrent loans to loans | 0.1997% | 6,789 |
| Net loans and leases to total assets | 64.9068% | 5,082 |
| Net loans and leases to deposits | 78.7458% | 5,234 |
| Net loans and leases to core deposits | 100.5775% | 4,768 |
| Total domestic deposits to total assets | 82.4257% | 4,033 |
| Equity capital to assets | 9.4473% | 4,757 |
| Core capital (leverage) ratio | 8.6642% | 5,260 |
| Tier 1 risk-based capital ratio | 11.8067% | 4,977 |
| Total risk-based capital ratio | 13.0605% | 4,884 |
| Memoranda: | ||
| Average total assets | $46,369,200 | 6,923 |
| Average earning assets | $42,854,000 | 6,904 |
| Average equity | $4,050,600 | 7,496 |
| Average total loans | $29,902,800 | 6,715 |