Home > Nevada Bank and Trust Company > Performance and Condition Ratios
Nevada Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 3,868 |
| Cost of funding earning assets | 0.1751% | 4,453 |
| Net interest margin | 3.8836% | 1,408 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.5816% | 2,066 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.2749% | 1,483 |
| Return on assets (ROA) | 1.2749% | 1,455 |
| Pretax return on assets | 1.4898% | 1,446 |
| Return on Equity (ROE) | 20.0700% | 613 |
| Retained earnings to average equity (ytd only) | 18.6947% | 161 |
| Net charge-offs to loans | 0.1839% | 588 |
| Credit loss provision to net charge-offs | -2.9630% | 4,411 |
| Earnings coverage of net charge-offs (x) | 24.6074% | 1,755 |
| Efficiency ratio | 63.1053% | 2,719 |
| Assets per employee ($millions) | 4.9471% | 3,679 |
| Cash dividends to net income (ytd only)* | 6.8425% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 1,149 |
| Loan loss allowance to noncurrent loans | 180.5042% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 1,752 |
| Noncurrent loans to loans | 0.8129% | 952 |
| Net loans and leases to total assets | 36.4500% | 4,139 |
| Net loans and leases to deposits | 39.9993% | 4,202 |
| Net loans and leases to core deposits | 39.9993% | 4,283 |
| Total domestic deposits to total assets | 91.1200% | 473 |
| Equity capital to assets | 8.6364% | 2,942 |
| Core capital (leverage) ratio | 11.7346% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $220,095,800 | 2,848 |
| Average earning assets | $201,589,000 | 2,849 |
| Average equity | $13,982,600 | 3,345 |
| Average total loans | $73,394,800 | 3,505 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,757 |
| Cost of funding earning assets | 0.1457% | 4,481 |
| Net interest margin | 3.9048% | 1,388 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.4811% | 2,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3501% | 1,423 |
| Return on assets (ROA) | 1.3501% | 1,402 |
| Pretax return on assets | 1.6414% | 1,281 |
| Return on Equity (ROE) | 23.0700% | 486 |
| Retained earnings to average equity (ytd only) | 21.9394% | 196 |
| Net charge-offs to loans | 0.1216% | 661 |
| Credit loss provision to net charge-offs | -58.2090% | 4,507 |
| Earnings coverage of net charge-offs (x) | 41.5821% | 1,423 |
| Efficiency ratio | 60.1145% | 2,950 |
| Assets per employee ($millions) | 4.9812% | 3,617 |
| Cash dividends to net income (ytd only)* | 4.9015% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,072 |
| Loan loss allowance to noncurrent loans | 2,212.0000% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,560 |
| Noncurrent loans to loans | 0.0685% | 3,271 |
| Net loans and leases to total assets | 36.0800% | 4,181 |
| Net loans and leases to deposits | 38.5374% | 4,242 |
| Net loans and leases to core deposits | 38.5374% | 4,287 |
| Total domestic deposits to total assets | 93.6300% | 221 |
| Equity capital to assets | 6.0950% | 3,956 |
| Core capital (leverage) ratio | 11.1290% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $225,648,750 | 2,822 |
| Average earning assets | $206,817,750 | 2,829 |
| Average equity | $13,205,750 | 3,401 |
| Average total loans | $73,444,000 | 3,508 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,718 |
| Cost of funding earning assets | 0.1124% | 4,508 |
| Net interest margin | 3.8729% | 1,480 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.3647% | 2,607 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4587% | 1,193 |
| Return on assets (ROA) | 1.4587% | 1,180 |
| Pretax return on assets | 1.7394% | 1,133 |
| Return on Equity (ROE) | 25.2200% | 373 |
| Retained earnings to average equity (ytd only) | 24.1304% | 135 |
| Net charge-offs to loans | 0.0924% | 709 |
| Credit loss provision to net charge-offs | -97.0588% | 4,541 |
| Earnings coverage of net charge-offs (x) | 60.3824% | 1,197 |
| Efficiency ratio | 57.4508% | 3,261 |
| Assets per employee ($millions) | 5.9225% | 2,777 |
| Cash dividends to net income (ytd only)* | 4.3275% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 1,065 |
| Loan loss allowance to noncurrent loans | 2,662.7907% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,631 |
| Noncurrent loans to loans | 0.0578% | 3,282 |
| Net loans and leases to total assets | 33.4100% | 4,255 |
| Net loans and leases to deposits | 35.7735% | 4,301 |
| Net loans and leases to core deposits | 35.7735% | 4,331 |
| Total domestic deposits to total assets | 93.3900% | 196 |
| Equity capital to assets | 6.3889% | 4,040 |
| Core capital (leverage) ratio | 10.0420% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $234,449,667 | 2,788 |
| Average earning assets | $215,396,333 | 2,791 |
| Average equity | $13,559,667 | 3,390 |
| Average total loans | $73,591,667 | 3,514 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8931% | 3,687 |
| Cost of funding earning assets | 0.0933% | 4,546 |
| Net interest margin | 3.7998% | 1,688 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.2321% | 3,004 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.4770% | 1,227 |
| Return on assets (ROA) | 1.4770% | 1,210 |
| Pretax return on assets | 1.6885% | 1,289 |
| Return on Equity (ROE) | 26.8100% | 330 |
| Retained earnings to average equity (ytd only) | 25.6981% | 166 |
| Net charge-offs to loans | 0.0492% | 875 |
| Credit loss provision to net charge-offs | 66.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 121.2222% | 704 |
| Efficiency ratio | 55.3235% | 3,477 |
| Assets per employee ($millions) | 6.1232% | 2,657 |
| Cash dividends to net income (ytd only)* | 4.1387% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 889 |
| Loan loss allowance to noncurrent loans | 2,747.7273% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,624 |
| Noncurrent loans to loans | 0.0604% | 3,304 |
| Net loans and leases to total assets | 30.0000% | 4,368 |
| Net loans and leases to deposits | 32.0244% | 4,409 |
| Net loans and leases to core deposits | 32.0602% | 4,425 |
| Total domestic deposits to total assets | 93.6800% | 204 |
| Equity capital to assets | 6.0660% | 4,179 |
| Core capital (leverage) ratio | 9.2486% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9578% | 747 |
| Memoranda: | ||
| Average total assets | $242,109,000 | 2,772 |
| Average earning assets | $222,958,000 | 2,782 |
| Average equity | $13,339,500 | 3,440 |
| Average total loans | $73,210,500 | 3,554 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0434% | 4,082 |
| Cost of funding earning assets | 0.0795% | 4,473 |
| Net interest margin | 2.9639% | 3,532 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.1593% | 3,132 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9628% | 2,710 |
| Return on assets (ROA) | 0.9628% | 2,655 |
| Pretax return on assets | 1.1242% | 2,696 |
| Return on Equity (ROE) | 16.7300% | 913 |
| Retained earnings to average equity (ytd only) | 15.5241% | 251 |
| Net charge-offs to loans | 0.0043% | 2,293 |
| Credit loss provision to net charge-offs | 400.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 895.3333% | 201 |
| Efficiency ratio | 65.6610% | 2,273 |
| Assets per employee ($millions) | 6.2926% | 2,519 |
| Cash dividends to net income (ytd only)* | 7.2052% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6461% | 890 |
| Loan loss allowance to noncurrent loans | 2,691.1111% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,662 |
| Noncurrent loans to loans | 0.0612% | 3,313 |
| Net loans and leases to total assets | 29.4800% | 4,400 |
| Net loans and leases to deposits | 31.1049% | 4,450 |
| Net loans and leases to core deposits | 31.1384% | 4,469 |
| Total domestic deposits to total assets | 94.7900% | 163 |
| Equity capital to assets | 4.9684% | 4,370 |
| Core capital (leverage) ratio | 8.5712% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8086% | 858 |
| Memoranda: | ||
| Average total assets | $237,860,000 | 2,796 |
| Average earning assets | $220,248,200 | 2,801 |
| Average equity | $13,688,400 | 3,506 |
| Average total loans | $69,735,400 | 3,585 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5375% | 4,340 |
| Cost of funding earning assets | 0.0747% | 4,426 |
| Net interest margin | 2.4629% | 4,145 |
| Noninterest income to average assets | 0.5233% | 2,073 |
| Noninterest expense to average assets | 2.1185% | 3,098 |
| Loan and lease loss provision to assets | 0.0025% | 2,564 |
| Net operating income to assets | 0.6130% | 3,595 |
| Return on assets (ROA) | 0.6130% | 3,539 |
| Pretax return on assets | 0.6926% | 3,599 |
| Return on Equity (ROE) | 9.3373% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.5119% | 1,434 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2934% | 1,361 |
| Assets per employee ($millions) | 6.1080% | 2,647 |
| Cash dividends to net income (ytd only)* | 8.8398% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 903 |
| Loan loss allowance to noncurrent loans | 6,694.4444% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,962 |
| Noncurrent loans to loans | 0.0259% | 3,762 |
| Net loans and leases to total assets | 28.6530% | 4,498 |
| Net loans and leases to deposits | 30.3931% | 4,539 |
| Net loans and leases to core deposits | 30.3931% | 4,556 |
| Total domestic deposits to total assets | 94.2748% | 238 |
| Equity capital to assets | 5.6043% | 4,331 |
| Core capital (leverage) ratio | 8.0468% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9412% | 862 |
| Memoranda: | ||
| Average total assets | $236,204,333 | 2,848 |
| Average earning assets | $219,663,667 | 2,850 |
| Average equity | $15,507,667 | 3,453 |
| Average total loans | $66,712,333 | 3,679 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4244% | 4,349 |
| Cost of funding earning assets | 0.0747% | 4,406 |
| Net interest margin | 2.3497% | 4,149 |
| Noninterest income to average assets | 0.5221% | 2,031 |
| Noninterest expense to average assets | 2.0833% | 3,208 |
| Loan and lease loss provision to assets | 0.0051% | 2,215 |
| Net operating income to assets | 0.5748% | 3,481 |
| Return on assets (ROA) | 0.5748% | 3,456 |
| Pretax return on assets | 0.6258% | 3,565 |
| Return on Equity (ROE) | 8.1512% | 2,625 |
| Retained earnings to average equity (ytd only) | 7.3795% | 1,772 |
| Net charge-offs to loans | -0.0184% | 3,870 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7544% | 1,439 |
| Assets per employee ($millions) | 6.3472% | 2,503 |
| Cash dividends to net income (ytd only)* | 9.4675% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 887 |
| Loan loss allowance to noncurrent loans | 2,418.0000% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,838 |
| Noncurrent loans to loans | 0.0743% | 3,474 |
| Net loans and leases to total assets | 27.4010% | 4,523 |
| Net loans and leases to deposits | 29.3178% | 4,567 |
| Net loans and leases to core deposits | 29.3178% | 4,593 |
| Total domestic deposits to total assets | 93.4621% | 177 |
| Equity capital to assets | 6.4418% | 4,450 |
| Core capital (leverage) ratio | 7.8262% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8617% | 922 |
| Memoranda: | ||
| Average total assets | $235,200,500 | 2,870 |
| Average earning assets | $219,436,500 | 2,868 |
| Average equity | $16,586,500 | 3,429 |
| Average total loans | $65,338,500 | 3,713 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6432% | 4,368 |
| Cost of funding earning assets | 0.0736% | 4,564 |
| Net interest margin | 2.5695% | 4,094 |
| Noninterest income to average assets | 0.4567% | 2,779 |
| Noninterest expense to average assets | 2.2074% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5648% | 3,947 |
| Return on assets (ROA) | 0.5648% | 3,994 |
| Pretax return on assets | 0.6263% | 4,065 |
| Return on Equity (ROE) | 6.7968% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.9543% | 2,384 |
| Net charge-offs to loans | -0.0133% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8975% | 954 |
| Assets per employee ($millions) | 6.1948% | 2,576 |
| Cash dividends to net income (ytd only)* | 12.3960% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 732 |
| Loan loss allowance to noncurrent loans | 2,313.4615% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,901 |
| Noncurrent loans to loans | 0.0820% | 3,520 |
| Net loans and leases to total assets | 27.1263% | 4,593 |
| Net loans and leases to deposits | 29.4934% | 4,631 |
| Net loans and leases to core deposits | 29.4934% | 4,652 |
| Total domestic deposits to total assets | 91.9741% | 186 |
| Equity capital to assets | 7.6943% | 4,504 |
| Core capital (leverage) ratio | 7.4717% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8266% | 1,083 |
| Memoranda: | ||
| Average total assets | $212,832,000 | 2,962 |
| Average earning assets | $196,882,800 | 2,982 |
| Average equity | $17,684,800 | 3,412 |
| Average total loans | $60,101,600 | 3,814 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7179% | 4,386 |
| Cost of funding earning assets | 0.0725% | 4,674 |
| Net interest margin | 2.6454% | 4,064 |
| Noninterest income to average assets | 0.4586% | 2,805 |
| Noninterest expense to average assets | 2.2241% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6106% | 3,987 |
| Return on assets (ROA) | 0.6106% | 4,037 |
| Pretax return on assets | 0.6822% | 4,095 |
| Return on Equity (ROE) | 7.2025% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.5772% | 2,587 |
| Net charge-offs to loans | -0.0112% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5275% | 1,000 |
| Assets per employee ($millions) | 5.6568% | 3,033 |
| Cash dividends to net income (ytd only)* | 8.6820% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1071% | 528 |
| Loan loss allowance to noncurrent loans | 4,285.7143% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,136 |
| Noncurrent loans to loans | 0.0492% | 3,866 |
| Net loans and leases to total assets | 25.9353% | 4,702 |
| Net loans and leases to deposits | 28.3916% | 4,732 |
| Net loans and leases to core deposits | 28.3916% | 4,752 |
| Total domestic deposits to total assets | 91.3485% | 275 |
| Equity capital to assets | 8.2812% | 4,363 |
| Core capital (leverage) ratio | 7.6904% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7373% | 1,002 |
| Memoranda: | ||
| Average total assets | $208,737,750 | 3,027 |
| Average earning assets | $193,136,500 | 3,044 |
| Average equity | $17,697,000 | 3,455 |
| Average total loans | $59,282,250 | 3,879 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6946% | 4,462 |
| Cost of funding earning assets | 0.0713% | 4,738 |
| Net interest margin | 2.6233% | 4,125 |
| Noninterest income to average assets | 0.4461% | 2,870 |
| Noninterest expense to average assets | 2.2568% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5565% | 4,088 |
| Return on assets (ROA) | 0.5565% | 4,138 |
| Pretax return on assets | 0.6107% | 4,213 |
| Return on Equity (ROE) | 6.5110% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.8769% | 2,850 |
| Net charge-offs to loans | -0.0200% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7040% | 872 |
| Assets per employee ($millions) | 5.8904% | 2,724 |
| Cash dividends to net income (ytd only)* | 9.7391% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8738% | 772 |
| Loan loss allowance to noncurrent loans | 2,668.8889% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,132 |
| Noncurrent loans to loans | 0.0702% | 3,836 |
| Net loans and leases to total assets | 29.6587% | 4,658 |
| Net loans and leases to deposits | 32.5195% | 4,715 |
| Net loans and leases to core deposits | 32.5195% | 4,737 |
| Total domestic deposits to total assets | 91.2028% | 307 |
| Equity capital to assets | 8.3898% | 4,290 |
| Core capital (leverage) ratio | 7.6284% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8391% | 1,161 |
| Memoranda: | ||
| Average total assets | $206,664,333 | 3,045 |
| Average earning assets | $190,753,333 | 3,061 |
| Average equity | $17,662,333 | 3,460 |
| Average total loans | $60,059,667 | 3,899 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6865% | 4,494 |
| Cost of funding earning assets | 0.0699% | 4,796 |
| Net interest margin | 2.6166% | 4,116 |
| Noninterest income to average assets | 0.4256% | 2,953 |
| Noninterest expense to average assets | 2.2690% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5334% | 4,111 |
| Return on assets (ROA) | 0.5334% | 4,149 |
| Pretax return on assets | 0.5805% | 4,218 |
| Return on Equity (ROE) | 6.1825% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.5234% | 3,055 |
| Net charge-offs to loans | -0.0207% | 4,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6284% | 844 |
| Assets per employee ($millions) | 5.6981% | 2,911 |
| Cash dividends to net income (ytd only)* | 10.6618% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9685% | 637 |
| Loan loss allowance to noncurrent loans | 3,237.8378% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 4,244 |
| Noncurrent loans to loans | 0.0608% | 3,981 |
| Net loans and leases to total assets | 29.0848% | 4,721 |
| Net loans and leases to deposits | 31.9045% | 4,765 |
| Net loans and leases to core deposits | 31.9045% | 4,788 |
| Total domestic deposits to total assets | 91.1622% | 345 |
| Equity capital to assets | 8.4619% | 4,143 |
| Core capital (leverage) ratio | 7.8272% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0133% | 1,067 |
| Memoranda: | ||
| Average total assets | $203,968,500 | 3,053 |
| Average earning assets | $188,944,000 | 3,061 |
| Average equity | $17,598,000 | 3,463 |
| Average total loans | $58,042,500 | 3,943 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1158% | 4,552 |
| Cost of funding earning assets | 0.0790% | 4,915 |
| Net interest margin | 3.0368% | 3,801 |
| Noninterest income to average assets | 0.3930% | 3,133 |
| Noninterest expense to average assets | 2.4579% | 2,964 |
| Loan and lease loss provision to assets | 0.0210% | 4,131 |
| Net operating income to assets | 0.6705% | 3,518 |
| Return on assets (ROA) | 0.6705% | 3,648 |
| Pretax return on assets | 0.7552% | 3,750 |
| Return on Equity (ROE) | 7.0538% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.1624% | 1,728 |
| Net charge-offs to loans | -0.0181% | 4,397 |
| Credit loss provision to net charge-offs | -370.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9979% | 1,228 |
| Assets per employee ($millions) | 5.6335% | 2,703 |
| Cash dividends to net income (ytd only)* | 12.6378% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1639% | 439 |
| Loan loss allowance to noncurrent loans | 3,064.1026% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,299 |
| Noncurrent loans to loans | 0.0706% | 4,012 |
| Net loans and leases to total assets | 26.6412% | 4,816 |
| Net loans and leases to deposits | 29.3793% | 4,842 |
| Net loans and leases to core deposits | 29.3793% | 4,859 |
| Total domestic deposits to total assets | 90.6803% | 306 |
| Equity capital to assets | 8.7956% | 4,225 |
| Core capital (leverage) ratio | 7.8372% | 4,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6740% | 950 |
| Memoranda: | ||
| Average total assets | $175,842,200 | 3,143 |
| Average earning assets | $164,517,600 | 3,128 |
| Average equity | $16,714,400 | 3,483 |
| Average total loans | $55,248,400 | 3,994 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 4,598 |
| Cost of funding earning assets | 0.0788% | 4,959 |
| Net interest margin | 3.1145% | 3,708 |
| Noninterest income to average assets | 0.3887% | 3,139 |
| Noninterest expense to average assets | 2.5388% | 2,725 |
| Loan and lease loss provision to assets | 0.0290% | 3,968 |
| Net operating income to assets | 0.6560% | 3,605 |
| Return on assets (ROA) | 0.6560% | 3,709 |
| Pretax return on assets | 0.7483% | 3,783 |
| Return on Equity (ROE) | 6.7503% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.0444% | 2,089 |
| Net charge-offs to loans | -0.0314% | 4,546 |
| Credit loss provision to net charge-offs | -284.6154% | 3,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5573% | 1,154 |
| Assets per employee ($millions) | 5.3581% | 2,828 |
| Cash dividends to net income (ytd only)* | 10.4567% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 490 |
| Loan loss allowance to noncurrent loans | 990.0826% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,122 |
| Noncurrent loans to loans | 0.2029% | 3,574 |
| Net loans and leases to total assets | 30.2881% | 4,813 |
| Net loans and leases to deposits | 33.4779% | 4,862 |
| Net loans and leases to core deposits | 33.4779% | 4,876 |
| Total domestic deposits to total assets | 90.4718% | 292 |
| Equity capital to assets | 9.0258% | 4,100 |
| Core capital (leverage) ratio | 8.0161% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,101,250 | 3,187 |
| Average earning assets | $158,952,750 | 3,163 |
| Average equity | $16,433,500 | 3,513 |
| Average total loans | $55,254,250 | 4,017 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2702% | 4,673 |
| Cost of funding earning assets | 0.0818% | 4,996 |
| Net interest margin | 3.1884% | 3,703 |
| Noninterest income to average assets | 0.3673% | 3,274 |
| Noninterest expense to average assets | 2.5687% | 2,769 |
| Loan and lease loss provision to assets | 0.0459% | 3,722 |
| Net operating income to assets | 0.6614% | 3,545 |
| Return on assets (ROA) | 0.6614% | 3,635 |
| Pretax return on assets | 0.7532% | 3,732 |
| Return on Equity (ROE) | 6.6178% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.8977% | 2,124 |
| Net charge-offs to loans | -0.0372% | 4,603 |
| Credit loss provision to net charge-offs | -370.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2712% | 1,238 |
| Assets per employee ($millions) | 4.7814% | 3,432 |
| Cash dividends to net income (ytd only)* | 10.8818% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 431 |
| Loan loss allowance to noncurrent loans | 553.2407% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 3,940 |
| Noncurrent loans to loans | 0.3615% | 3,106 |
| Net loans and leases to total assets | 32.2324% | 4,816 |
| Net loans and leases to deposits | 35.7470% | 4,867 |
| Net loans and leases to core deposits | 35.7470% | 4,884 |
| Total domestic deposits to total assets | 90.1680% | 357 |
| Equity capital to assets | 9.3278% | 3,804 |
| Core capital (leverage) ratio | 8.7539% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,171,333 | 3,236 |
| Average earning assets | $151,673,333 | 3,207 |
| Average equity | $16,108,000 | 3,543 |
| Average total loans | $53,798,667 | 4,064 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 4,599 |
| Cost of funding earning assets | 0.0958% | 5,044 |
| Net interest margin | 3.4418% | 3,178 |
| Noninterest income to average assets | 0.4002% | 3,101 |
| Noninterest expense to average assets | 2.6479% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8482% | 2,721 |
| Return on assets (ROA) | 0.8482% | 2,812 |
| Pretax return on assets | 0.9887% | 2,873 |
| Return on Equity (ROE) | 8.1591% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.3942% | 1,411 |
| Net charge-offs to loans | -0.0394% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8134% | 1,962 |
| Assets per employee ($millions) | 4.5248% | 3,223 |
| Cash dividends to net income (ytd only)* | 9.3750% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2796% | 337 |
| Loan loss allowance to noncurrent loans | 517.0404% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 3,921 |
| Noncurrent loans to loans | 0.4409% | 2,937 |
| Net loans and leases to total assets | 32.1280% | 4,863 |
| Net loans and leases to deposits | 36.1285% | 4,907 |
| Net loans and leases to core deposits | 36.1285% | 4,926 |
| Total domestic deposits to total assets | 88.9271% | 695 |
| Equity capital to assets | 10.5620% | 3,265 |
| Core capital (leverage) ratio | 9.8113% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1703% | 627 |
| Memoranda: | ||
| Average total assets | $150,910,500 | 3,312 |
| Average earning assets | $141,904,000 | 3,282 |
| Average equity | $15,688,000 | 3,590 |
| Average total loans | $50,818,500 | 4,143 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,704 |
| Cost of funding earning assets | 0.1005% | 5,105 |
| Net interest margin | 3.5737% | 3,219 |
| Noninterest income to average assets | 0.3751% | 3,454 |
| Noninterest expense to average assets | 2.7747% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8313% | 3,449 |
| Return on assets (ROA) | 0.8313% | 3,542 |
| Pretax return on assets | 0.9717% | 3,536 |
| Return on Equity (ROE) | 8.1853% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.3011% | 1,255 |
| Net charge-offs to loans | -0.0148% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0626% | 1,593 |
| Assets per employee ($millions) | 4.4842% | 3,248 |
| Cash dividends to net income (ytd only)* | 10.8014% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2485% | 311 |
| Loan loss allowance to noncurrent loans | 981.1966% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 4,243 |
| Noncurrent loans to loans | 0.2292% | 3,627 |
| Net loans and leases to total assets | 33.7275% | 4,906 |
| Net loans and leases to deposits | 37.7381% | 4,944 |
| Net loans and leases to core deposits | 37.7381% | 4,975 |
| Total domestic deposits to total assets | 89.3727% | 540 |
| Equity capital to assets | 10.2225% | 3,708 |
| Core capital (leverage) ratio | 10.0748% | 3,434 |
| Tier 1 risk-based capital ratio | 20.3050% | 1,277 |
| Total risk-based capital ratio | 21.5592% | 1,253 |
| Memoranda: | ||
| Average total assets | $138,104,800 | 3,465 |
| Average earning assets | $130,285,800 | 3,420 |
| Average equity | $14,025,200 | 3,747 |
| Average total loans | $47,307,600 | 4,232 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6738% | 4,810 |
| Cost of funding earning assets | 0.1040% | 5,177 |
| Net interest margin | 3.5698% | 3,331 |
| Noninterest income to average assets | 0.3735% | 3,477 |
| Noninterest expense to average assets | 2.8114% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8080% | 3,655 |
| Return on assets (ROA) | 0.8080% | 3,731 |
| Pretax return on assets | 0.9368% | 3,771 |
| Return on Equity (ROE) | 7.9708% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.2436% | 1,740 |
| Net charge-offs to loans | -0.0144% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0066% | 1,444 |
| Assets per employee ($millions) | 4.3161% | 3,460 |
| Cash dividends to net income (ytd only)* | 9.1243% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4921% | 222 |
| Loan loss allowance to noncurrent loans | 114,600.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,782 |
| Noncurrent loans to loans | 0.0022% | 4,686 |
| Net loans and leases to total assets | 31.4821% | 5,028 |
| Net loans and leases to deposits | 35.2646% | 5,073 |
| Net loans and leases to core deposits | 35.2646% | 5,089 |
| Total domestic deposits to total assets | 89.2740% | 530 |
| Equity capital to assets | 10.3791% | 3,656 |
| Core capital (leverage) ratio | 10.1292% | 3,493 |
| Tier 1 risk-based capital ratio | 20.8395% | 1,208 |
| Total risk-based capital ratio | 22.0948% | 1,186 |
| Memoranda: | ||
| Average total assets | $135,636,750 | 3,533 |
| Average earning assets | $128,221,750 | 3,485 |
| Average equity | $13,749,750 | 3,823 |
| Average total loans | $46,370,250 | 4,303 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6380% | 4,897 |
| Cost of funding earning assets | 0.1044% | 5,223 |
| Net interest margin | 3.5336% | 3,490 |
| Noninterest income to average assets | 0.3704% | 3,462 |
| Noninterest expense to average assets | 2.8492% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7573% | 3,802 |
| Return on assets (ROA) | 0.7573% | 3,867 |
| Pretax return on assets | 0.8712% | 3,929 |
| Return on Equity (ROE) | 7.5343% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.7883% | 1,908 |
| Net charge-offs to loans | -0.0086% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5820% | 1,326 |
| Assets per employee ($millions) | 4.1356% | 3,674 |
| Cash dividends to net income (ytd only)* | 9.9010% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4413% | 240 |
| Loan loss allowance to noncurrent loans | 114,200.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,827 |
| Noncurrent loans to loans | 0.0021% | 4,728 |
| Net loans and leases to total assets | 32.4564% | 5,061 |
| Net loans and leases to deposits | 36.2518% | 5,103 |
| Net loans and leases to core deposits | 36.2518% | 5,122 |
| Total domestic deposits to total assets | 89.5306% | 468 |
| Equity capital to assets | 10.1728% | 3,817 |
| Core capital (leverage) ratio | 10.6595% | 2,927 |
| Tier 1 risk-based capital ratio | 20.5679% | 1,240 |
| Total risk-based capital ratio | 21.8238% | 1,208 |
| Memoranda: | ||
| Average total assets | $133,372,330 | 3,579 |
| Average earning assets | $126,443,000 | 3,529 |
| Average equity | $13,405,330 | 3,871 |
| Average total loans | $46,498,330 | 4,327 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,845 |
| Cost of funding earning assets | 0.1013% | 5,282 |
| Net interest margin | 3.6026% | 3,238 |
| Noninterest income to average assets | 0.3853% | 3,290 |
| Noninterest expense to average assets | 2.8670% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7984% | 3,628 |
| Return on assets (ROA) | 0.7984% | 3,672 |
| Pretax return on assets | 0.9187% | 3,700 |
| Return on Equity (ROE) | 7.9963% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.2245% | 1,959 |
| Net charge-offs to loans | 0.0259% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 668 |
| Efficiency ratio | 75.7329% | 1,524 |
| Assets per employee ($millions) | 3.9970% | 3,928 |
| Cash dividends to net income (ytd only)* | 9.6525% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4542% | 261 |
| Loan loss allowance to noncurrent loans | 113,700.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,899 |
| Noncurrent loans to loans | 0.0022% | 4,803 |
| Net loans and leases to total assets | 34.2613% | 5,064 |
| Net loans and leases to deposits | 38.2010% | 5,108 |
| Net loans and leases to core deposits | 38.2010% | 5,135 |
| Total domestic deposits to total assets | 89.6870% | 568 |
| Equity capital to assets | 10.1394% | 3,684 |
| Core capital (leverage) ratio | 10.5396% | 3,005 |
| Tier 1 risk-based capital ratio | 21.4339% | 1,115 |
| Total risk-based capital ratio | 22.6908% | 1,095 |
| Memoranda: | ||
| Average total assets | $129,753,500 | 3,663 |
| Average earning assets | $122,466,000 | 3,623 |
| Average equity | $12,956,000 | 3,954 |
| Average total loans | $46,358,000 | 4,376 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5801% | 4,822 |
| Cost of funding earning assets | 0.1018% | 5,282 |
| Net interest margin | 3.4784% | 3,777 |
| Noninterest income to average assets | 0.3981% | 3,452 |
| Noninterest expense to average assets | 2.8805% | 2,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7051% | 4,127 |
| Return on assets (ROA) | 0.7051% | 4,131 |
| Pretax return on assets | 0.7971% | 4,177 |
| Return on Equity (ROE) | 7.3445% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.3119% | 2,031 |
| Net charge-offs to loans | 0.0238% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 90.6364% | 789 |
| Efficiency ratio | 78.3261% | 1,101 |
| Assets per employee ($millions) | 3.7531% | 4,238 |
| Cash dividends to net income (ytd only)* | 14.0590% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4575% | 241 |
| Loan loss allowance to noncurrent loans | 4,222.2222% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,772 |
| Noncurrent loans to loans | 0.0582% | 4,489 |
| Net loans and leases to total assets | 35.4591% | 5,081 |
| Net loans and leases to deposits | 39.4033% | 5,133 |
| Net loans and leases to core deposits | 39.4033% | 5,170 |
| Total domestic deposits to total assets | 89.9903% | 485 |
| Equity capital to assets | 9.8256% | 3,837 |
| Core capital (leverage) ratio | 10.4738% | 3,060 |
| Tier 1 risk-based capital ratio | 21.4817% | 1,100 |
| Total risk-based capital ratio | 22.7394% | 1,077 |
| Memoranda: | ||
| Average total assets | $125,083,000 | 3,715 |
| Average earning assets | $117,928,800 | 3,677 |
| Average equity | $12,009,000 | 4,026 |
| Average total loans | $46,149,600 | 4,397 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,872 |
| Cost of funding earning assets | 0.0988% | 5,356 |
| Net interest margin | 3.4517% | 3,858 |
| Noninterest income to average assets | 0.3985% | 3,491 |
| Noninterest expense to average assets | 2.8701% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7028% | 4,215 |
| Return on assets (ROA) | 0.7028% | 4,224 |
| Pretax return on assets | 0.7842% | 4,336 |
| Return on Equity (ROE) | 7.3643% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.5224% | 2,371 |
| Net charge-offs to loans | 0.0347% | 2,392 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 60.9988% | 1,054 |
| Efficiency ratio | 78.5400% | 1,068 |
| Assets per employee ($millions) | 3.8869% | 4,059 |
| Cash dividends to net income (ytd only)* | 11.4333% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4777% | 254 |
| Loan loss allowance to noncurrent loans | 3,083.7838% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,843 |
| Noncurrent loans to loans | 0.0803% | 4,516 |
| Net loans and leases to total assets | 35.0124% | 5,172 |
| Net loans and leases to deposits | 38.6419% | 5,235 |
| Net loans and leases to core deposits | 38.6419% | 5,260 |
| Total domestic deposits to total assets | 90.6072% | 312 |
| Equity capital to assets | 9.1994% | 4,368 |
| Core capital (leverage) ratio | 10.4742% | 3,107 |
| Tier 1 risk-based capital ratio | 21.4464% | 1,123 |
| Total risk-based capital ratio | 22.7042% | 1,105 |
| Memoranda: | ||
| Average total assets | $124,452,250 | 3,760 |
| Average earning assets | $117,388,500 | 3,733 |
| Average equity | $11,876,750 | 4,084 |
| Average total loans | $46,090,000 | 4,444 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5369% | 4,864 |
| Cost of funding earning assets | 0.0997% | 5,411 |
| Net interest margin | 3.4373% | 3,840 |
| Noninterest income to average assets | 0.4043% | 3,452 |
| Noninterest expense to average assets | 2.9485% | 2,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6413% | 4,373 |
| Return on assets (ROA) | 0.6413% | 4,381 |
| Pretax return on assets | 0.7030% | 4,504 |
| Return on Equity (ROE) | 6.6374% | 4,011 |
| Retained earnings to average equity (ytd only) | 5.7972% | 2,668 |
| Net charge-offs to loans | 0.0781% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 24.0556% | 1,688 |
| Efficiency ratio | 80.7470% | 933 |
| Assets per employee ($millions) | 3.8767% | 4,090 |
| Cash dividends to net income (ytd only)* | 12.6582% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4648% | 255 |
| Loan loss allowance to noncurrent loans | 1,455.1282% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 4,701 |
| Noncurrent loans to loans | 0.1694% | 4,152 |
| Net loans and leases to total assets | 36.2055% | 5,171 |
| Net loans and leases to deposits | 40.0714% | 5,242 |
| Net loans and leases to core deposits | 40.1617% | 5,276 |
| Total domestic deposits to total assets | 90.3525% | 447 |
| Equity capital to assets | 9.4879% | 4,118 |
| Core capital (leverage) ratio | 10.6596% | 2,854 |
| Tier 1 risk-based capital ratio | 21.5180% | 1,098 |
| Total risk-based capital ratio | 22.7765% | 1,075 |
| Memoranda: | ||
| Average total assets | $123,180,000 | 3,807 |
| Average earning assets | $116,371,670 | 3,772 |
| Average equity | $11,902,330 | 4,101 |
| Average total loans | $46,103,000 | 4,488 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 4,982 |
| Cost of funding earning assets | 0.0998% | 5,468 |
| Net interest margin | 3.3280% | 4,114 |
| Noninterest income to average assets | 0.4106% | 3,392 |
| Noninterest expense to average assets | 2.8841% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6322% | 4,333 |
| Return on assets (ROA) | 0.6322% | 4,344 |
| Pretax return on assets | 0.6778% | 4,500 |
| Return on Equity (ROE) | 6.4837% | 3,993 |
| Retained earnings to average equity (ytd only) | 5.6482% | 2,869 |
| Net charge-offs to loans | 0.1821% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.9048% | 1,936 |
| Efficiency ratio | 80.9698% | 1,045 |
| Assets per employee ($millions) | 3.7633% | 4,338 |
| Cash dividends to net income (ytd only)* | 12.8866% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4113% | 280 |
| Loan loss allowance to noncurrent loans | 1,000.8850% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,638 |
| Noncurrent loans to loans | 0.2409% | 3,906 |
| Net loans and leases to total assets | 36.8572% | 5,180 |
| Net loans and leases to deposits | 40.7941% | 5,250 |
| Net loans and leases to core deposits | 40.8859% | 5,289 |
| Total domestic deposits to total assets | 90.3495% | 520 |
| Equity capital to assets | 9.3888% | 4,194 |
| Core capital (leverage) ratio | 10.6132% | 2,837 |
| Tier 1 risk-based capital ratio | 21.6741% | 1,106 |
| Total risk-based capital ratio | 22.9323% | 1,073 |
| Memoranda: | ||
| Average total assets | $122,743,500 | 3,855 |
| Average earning assets | $116,225,500 | 3,809 |
| Average equity | $11,968,500 | 4,128 |
| Average total loans | $46,130,000 | 4,534 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 4,972 |
| Cost of funding earning assets | 0.0978% | 5,503 |
| Net interest margin | 3.2787% | 4,217 |
| Noninterest income to average assets | 0.4265% | 3,464 |
| Noninterest expense to average assets | 2.8959% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5729% | 4,131 |
| Return on assets (ROA) | 0.5768% | 4,146 |
| Pretax return on assets | 0.6216% | 4,691 |
| Return on Equity (ROE) | 5.6170% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.8028% | 2,256 |
| Net charge-offs to loans | -0.0290% | 5,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4279% | 896 |
| Assets per employee ($millions) | 3.6757% | 4,473 |
| Cash dividends to net income (ytd only)* | 14.4949% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5421% | 233 |
| Loan loss allowance to noncurrent loans | 734.3949% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 4,481 |
| Noncurrent loans to loans | 0.3462% | 3,518 |
| Net loans and leases to total assets | 36.4420% | 5,272 |
| Net loans and leases to deposits | 40.6685% | 5,326 |
| Net loans and leases to core deposits | 40.7630% | 5,368 |
| Total domestic deposits to total assets | 89.6073% | 731 |
| Equity capital to assets | 10.1214% | 3,573 |
| Core capital (leverage) ratio | 10.5260% | 2,819 |
| Tier 1 risk-based capital ratio | 22.4131% | 973 |
| Total risk-based capital ratio | 23.6736% | 948 |
| Memoranda: | ||
| Average total assets | $118,408,000 | 3,926 |
| Average earning assets | $111,476,200 | 3,892 |
| Average equity | $12,159,600 | 4,115 |
| Average total loans | $44,803,600 | 4,595 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 5,028 |
| Cost of funding earning assets | 0.0964% | 5,565 |
| Net interest margin | 3.2610% | 4,294 |
| Noninterest income to average assets | 0.4283% | 3,490 |
| Noninterest expense to average assets | 2.9014% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4994% | 4,730 |
| Return on assets (ROA) | 0.5042% | 4,751 |
| Pretax return on assets | 0.5982% | 4,848 |
| Return on Equity (ROE) | 4.8912% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,500 |
| Net charge-offs to loans | -0.0269% | 4,965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0415% | 835 |
| Assets per employee ($millions) | 3.6540% | 4,509 |
| Cash dividends to net income (ytd only)* | 16.8543% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5371% | 253 |
| Loan loss allowance to noncurrent loans | 464.7773% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 4,262 |
| Noncurrent loans to loans | 0.5459% | 3,062 |
| Net loans and leases to total assets | 36.5726% | 5,328 |
| Net loans and leases to deposits | 40.9444% | 5,389 |
| Net loans and leases to core deposits | 41.0404% | 5,440 |
| Total domestic deposits to total assets | 89.3226% | 736 |
| Equity capital to assets | 10.3440% | 3,542 |
| Core capital (leverage) ratio | 10.4824% | 3,008 |
| Tier 1 risk-based capital ratio | 22.1610% | 1,031 |
| Total risk-based capital ratio | 23.4214% | 1,010 |
| Memoranda: | ||
| Average total assets | $117,685,750 | 3,967 |
| Average earning assets | $110,637,750 | 3,940 |
| Average equity | $12,130,250 | 4,155 |
| Average total loans | $44,665,500 | 4,645 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 5,091 |
| Cost of funding earning assets | 0.0949% | 5,616 |
| Net interest margin | 3.2144% | 4,370 |
| Noninterest income to average assets | 0.4301% | 3,489 |
| Noninterest expense to average assets | 2.9592% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4267% | 4,908 |
| Return on assets (ROA) | 0.4267% | 4,935 |
| Pretax return on assets | 0.4883% | 5,021 |
| Return on Equity (ROE) | 4.1445% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.3123% | 3,740 |
| Net charge-offs to loans | -0.0225% | 4,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8350% | 704 |
| Assets per employee ($millions) | 3.8308% | 4,231 |
| Cash dividends to net income (ytd only)* | 20.0803% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5054% | 281 |
| Loan loss allowance to noncurrent loans | 465.0407% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 4,364 |
| Noncurrent loans to loans | 0.5388% | 3,138 |
| Net loans and leases to total assets | 36.3155% | 5,371 |
| Net loans and leases to deposits | 40.5337% | 5,438 |
| Net loans and leases to core deposits | 40.6270% | 5,481 |
| Total domestic deposits to total assets | 89.5933% | 687 |
| Equity capital to assets | 10.0959% | 3,800 |
| Core capital (leverage) ratio | 10.5588% | 2,853 |
| Tier 1 risk-based capital ratio | 22.3717% | 1,005 |
| Total risk-based capital ratio | 23.6329% | 987 |
| Memoranda: | ||
| Average total assets | $116,720,330 | 4,012 |
| Average earning assets | $109,569,000 | 3,986 |
| Average equity | $12,016,000 | 4,183 |
| Average total loans | $44,471,330 | 4,676 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3427% | 5,047 |
| Cost of funding earning assets | 0.0981% | 5,655 |
| Net interest margin | 3.2446% | 4,205 |
| Noninterest income to average assets | 0.4324% | 3,428 |
| Noninterest expense to average assets | 2.9458% | 2,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4254% | 4,871 |
| Return on assets (ROA) | 0.4254% | 4,893 |
| Pretax return on assets | 0.5097% | 4,947 |
| Return on Equity (ROE) | 4.0892% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.2443% | 3,811 |
| Net charge-offs to loans | -0.0729% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2492% | 866 |
| Assets per employee ($millions) | 3.5954% | 4,655 |
| Cash dividends to net income (ytd only)* | 20.6612% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5745% | 289 |
| Loan loss allowance to noncurrent loans | 458.8000% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,348 |
| Noncurrent loans to loans | 0.5611% | 3,123 |
| Net loans and leases to total assets | 37.7273% | 5,338 |
| Net loans and leases to deposits | 42.1864% | 5,413 |
| Net loans and leases to core deposits | 42.2896% | 5,457 |
| Total domestic deposits to total assets | 89.4300% | 930 |
| Equity capital to assets | 10.3631% | 3,334 |
| Core capital (leverage) ratio | 10.8456% | 2,547 |
| Tier 1 risk-based capital ratio | 23.5295% | 911 |
| Total risk-based capital ratio | 24.7909% | 899 |
| Memoranda: | ||
| Average total assets | $113,788,500 | 4,100 |
| Average earning assets | $106,023,500 | 4,083 |
| Average equity | $11,836,000 | 4,243 |
| Average total loans | $43,876,500 | 4,732 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3504% | 5,079 |
| Cost of funding earning assets | 0.1009% | 5,699 |
| Net interest margin | 3.2495% | 4,301 |
| Noninterest income to average assets | 0.4302% | 3,677 |
| Noninterest expense to average assets | 2.9553% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3972% | 4,952 |
| Return on assets (ROA) | 0.3972% | 5,032 |
| Pretax return on assets | 0.4936% | 5,037 |
| Return on Equity (ROE) | 3.6621% | 4,950 |
| Retained earnings to average equity (ytd only) | 2.8474% | 3,869 |
| Net charge-offs to loans | 0.2698% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.6471% | 3,469 |
| Efficiency ratio | 85.6884% | 851 |
| Assets per employee ($millions) | 3.4098% | 4,889 |
| Cash dividends to net income (ytd only)* | 22.2472% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6389% | 271 |
| Loan loss allowance to noncurrent loans | 426.9663% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 4,358 |
| Noncurrent loans to loans | 0.6181% | 2,997 |
| Net loans and leases to total assets | 37.3784% | 5,430 |
| Net loans and leases to deposits | 41.8462% | 5,497 |
| Net loans and leases to core deposits | 41.9505% | 5,548 |
| Total domestic deposits to total assets | 89.3233% | 938 |
| Equity capital to assets | 10.4412% | 3,221 |
| Core capital (leverage) ratio | 10.6700% | 2,696 |
| Tier 1 risk-based capital ratio | 23.9191% | 872 |
| Total risk-based capital ratio | 25.1820% | 852 |
| Memoranda: | ||
| Average total assets | $112,035,400 | 4,127 |
| Average earning assets | $104,077,400 | 4,115 |
| Average equity | $12,151,400 | 4,229 |
| Average total loans | $44,103,600 | 4,746 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 5,020 |
| Cost of funding earning assets | 0.1027% | 5,757 |
| Net interest margin | 3.3017% | 4,182 |
| Noninterest income to average assets | 0.4301% | 3,691 |
| Noninterest expense to average assets | 2.9284% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4396% | 4,904 |
| Return on assets (ROA) | 0.4396% | 4,987 |
| Pretax return on assets | 0.5659% | 4,964 |
| Return on Equity (ROE) | 4.0156% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.2103% | 3,988 |
| Net charge-offs to loans | 0.1865% | 1,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.6617% | 2,855 |
| Efficiency ratio | 83.8050% | 1,008 |
| Assets per employee ($millions) | 3.5527% | 4,717 |
| Cash dividends to net income (ytd only)* | 20.0533% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7885% | 241 |
| Loan loss allowance to noncurrent loans | 162.7211% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 2,962 |
| Noncurrent loans to loans | 1.7137% | 1,219 |
| Net loans and leases to total assets | 36.6744% | 5,522 |
| Net loans and leases to deposits | 41.4268% | 5,598 |
| Net loans and leases to core deposits | 41.4268% | 5,650 |
| Total domestic deposits to total assets | 88.5282% | 1,144 |
| Equity capital to assets | 10.9590% | 3,060 |
| Core capital (leverage) ratio | 10.8332% | 2,645 |
| Tier 1 risk-based capital ratio | 23.9054% | 914 |
| Total risk-based capital ratio | 25.1690% | 893 |
| Memoranda: | ||
| Average total assets | $111,913,000 | 4,157 |
| Average earning assets | $103,864,250 | 4,148 |
| Average equity | $12,252,000 | 4,249 |
| Average total loans | $44,329,500 | 4,776 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 4,963 |
| Cost of funding earning assets | 0.1064% | 5,827 |
| Net interest margin | 3.3549% | 4,040 |
| Noninterest income to average assets | 0.4078% | 3,816 |
| Noninterest expense to average assets | 2.9716% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4258% | 4,956 |
| Return on assets (ROA) | 0.4258% | 5,045 |
| Pretax return on assets | 0.5516% | 5,020 |
| Return on Equity (ROE) | 3.8907% | 4,953 |
| Retained earnings to average equity (ytd only) | 3.0699% | 3,956 |
| Net charge-offs to loans | 0.1562% | 1,396 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.7714% | 2,488 |
| Efficiency ratio | 84.3447% | 1,018 |
| Assets per employee ($millions) | 3.4623% | 4,816 |
| Cash dividends to net income (ytd only)* | 21.0970% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7483% | 270 |
| Loan loss allowance to noncurrent loans | 191.3928% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 3,295 |
| Noncurrent loans to loans | 1.4359% | 1,541 |
| Net loans and leases to total assets | 39.0617% | 5,465 |
| Net loans and leases to deposits | 44.2375% | 5,552 |
| Net loans and leases to core deposits | 44.2375% | 5,618 |
| Total domestic deposits to total assets | 88.2999% | 1,275 |
| Equity capital to assets | 11.1811% | 2,866 |
| Core capital (leverage) ratio | 11.0474% | 2,387 |
| Tier 1 risk-based capital ratio | 23.8452% | 918 |
| Total risk-based capital ratio | 25.1109% | 896 |
| Memoranda: | ||
| Average total assets | $111,321,670 | 4,199 |
| Average earning assets | $103,372,000 | 4,187 |
| Average equity | $12,183,000 | 4,286 |
| Average total loans | $44,809,330 | 4,804 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 4,904 |
| Cost of funding earning assets | 0.1081% | 5,882 |
| Net interest margin | 3.3868% | 3,917 |
| Noninterest income to average assets | 0.4660% | 3,363 |
| Noninterest expense to average assets | 2.8857% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5413% | 4,460 |
| Return on assets (ROA) | 0.5413% | 4,564 |
| Pretax return on assets | 0.7241% | 4,437 |
| Return on Equity (ROE) | 4.9998% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.1720% | 3,401 |
| Net charge-offs to loans | 0.3114% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.7714% | 2,295 |
| Efficiency ratio | 79.9404% | 1,614 |
| Assets per employee ($millions) | 3.4843% | 4,842 |
| Cash dividends to net income (ytd only)* | 16.5563% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7635% | 287 |
| Loan loss allowance to noncurrent loans | 661.0811% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,723 |
| Noncurrent loans to loans | 0.4180% | 3,943 |
| Net loans and leases to total assets | 38.5960% | 5,529 |
| Net loans and leases to deposits | 43.5332% | 5,611 |
| Net loans and leases to core deposits | 43.5332% | 5,672 |
| Total domestic deposits to total assets | 88.6588% | 1,268 |
| Equity capital to assets | 10.9394% | 3,004 |
| Core capital (leverage) ratio | 10.7986% | 2,622 |
| Tier 1 risk-based capital ratio | 23.8151% | 931 |
| Total risk-based capital ratio | 25.0797% | 923 |
| Memoranda: | ||
| Average total assets | $111,585,500 | 4,228 |
| Average earning assets | $103,580,000 | 4,222 |
| Average equity | $12,080,500 | 4,317 |
| Average total loans | $44,963,500 | 4,832 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,371 |
| Cost of funding earning assets | 0.1172% | 5,892 |
| Net interest margin | 3.5814% | 3,202 |
| Noninterest income to average assets | 0.4707% | 3,527 |
| Noninterest expense to average assets | 3.0913% | 2,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5119% | 4,648 |
| Return on assets (ROA) | 0.5119% | 4,732 |
| Pretax return on assets | 0.7020% | 4,527 |
| Return on Equity (ROE) | 4.7391% | 4,634 |
| Retained earnings to average equity (ytd only) | 3.9013% | 3,262 |
| Net charge-offs to loans | -0.0492% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4940% | 1,474 |
| Assets per employee ($millions) | 3.4898% | 4,852 |
| Cash dividends to net income (ytd only)* | 17.6786% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7545% | 300 |
| Loan loss allowance to noncurrent loans | 632.1608% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 4,706 |
| Noncurrent loans to loans | 0.4357% | 3,905 |
| Net loans and leases to total assets | 39.7699% | 5,529 |
| Net loans and leases to deposits | 44.7049% | 5,628 |
| Net loans and leases to core deposits | 44.7049% | 5,695 |
| Total domestic deposits to total assets | 88.9608% | 1,135 |
| Equity capital to assets | 10.7132% | 3,118 |
| Core capital (leverage) ratio | 10.6316% | 2,797 |
| Tier 1 risk-based capital ratio | 23.2487% | 986 |
| Total risk-based capital ratio | 24.5139% | 972 |
| Memoranda: | ||
| Average total assets | $109,403,400 | 4,270 |
| Average earning assets | $101,497,600 | 4,250 |
| Average equity | $11,816,600 | 4,338 |
| Average total loans | $44,743,400 | 4,840 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 4,442 |
| Cost of funding earning assets | 0.1163% | 5,992 |
| Net interest margin | 3.5767% | 3,252 |
| Noninterest income to average assets | 0.4741% | 3,545 |
| Noninterest expense to average assets | 3.1190% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4863% | 4,838 |
| Return on assets (ROA) | 0.4863% | 4,930 |
| Pretax return on assets | 0.6701% | 4,777 |
| Return on Equity (ROE) | 4.4935% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.6333% | 3,882 |
| Net charge-offs to loans | -0.0659% | 5,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3149% | 1,354 |
| Assets per employee ($millions) | 3.4551% | 4,883 |
| Cash dividends to net income (ytd only)* | 19.1434% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7275% | 328 |
| Loan loss allowance to noncurrent loans | 735.6725% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 4,944 |
| Noncurrent loans to loans | 0.3707% | 4,287 |
| Net loans and leases to total assets | 40.5783% | 5,563 |
| Net loans and leases to deposits | 45.6632% | 5,666 |
| Net loans and leases to core deposits | 45.6632% | 5,741 |
| Total domestic deposits to total assets | 88.8644% | 1,090 |
| Equity capital to assets | 10.7739% | 3,270 |
| Core capital (leverage) ratio | 10.6874% | 2,841 |
| Tier 1 risk-based capital ratio | 22.9251% | 1,060 |
| Total risk-based capital ratio | 24.1912% | 1,046 |
| Memoranda: | ||
| Average total assets | $108,835,500 | 4,326 |
| Average earning assets | $100,871,500 | 4,310 |
| Average equity | $11,779,750 | 4,395 |
| Average total loans | $44,511,500 | 4,897 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,339 |
| Cost of funding earning assets | 0.1158% | 6,060 |
| Net interest margin | 3.6084% | 3,051 |
| Noninterest income to average assets | 0.4840% | 3,475 |
| Noninterest expense to average assets | 3.2164% | 1,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4582% | 4,950 |
| Return on assets (ROA) | 0.4582% | 5,042 |
| Pretax return on assets | 0.6060% | 4,961 |
| Return on Equity (ROE) | 4.2264% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.3743% | 3,887 |
| Net charge-offs to loans | -0.0910% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1469% | 1,248 |
| Assets per employee ($millions) | 3.3975% | 4,985 |
| Cash dividends to net income (ytd only)* | 20.1613% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8819% | 306 |
| Loan loss allowance to noncurrent loans | 709.6045% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 5,026 |
| Noncurrent loans to loans | 0.4061% | 4,262 |
| Net loans and leases to total assets | 38.9312% | 5,688 |
| Net loans and leases to deposits | 43.7772% | 5,777 |
| Net loans and leases to core deposits | 43.7772% | 5,839 |
| Total domestic deposits to total assets | 88.9303% | 1,173 |
| Equity capital to assets | 10.7726% | 3,140 |
| Core capital (leverage) ratio | 10.6132% | 2,838 |
| Tier 1 risk-based capital ratio | 23.1853% | 1,056 |
| Total risk-based capital ratio | 24.4515% | 1,036 |
| Memoranda: | ||
| Average total assets | $108,259,330 | 4,377 |
| Average earning assets | $100,154,000 | 4,365 |
| Average equity | $11,735,670 | 4,428 |
| Average total loans | $43,974,330 | 4,952 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 3,789 |
| Cost of funding earning assets | 0.1200% | 6,116 |
| Net interest margin | 3.7399% | 2,468 |
| Noninterest income to average assets | 0.4443% | 3,671 |
| Noninterest expense to average assets | 3.1843% | 2,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5221% | 4,575 |
| Return on assets (ROA) | 0.5221% | 4,691 |
| Pretax return on assets | 0.7220% | 4,530 |
| Return on Equity (ROE) | 4.8010% | 4,624 |
| Retained earnings to average equity (ytd only) | 3.9498% | 3,625 |
| Net charge-offs to loans | -0.1539% | 5,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5166% | 1,678 |
| Assets per employee ($millions) | 3.2343% | 5,351 |
| Cash dividends to net income (ytd only)* | 17.7305% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8819% | 333 |
| Loan loss allowance to noncurrent loans | 556.8889% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 4,931 |
| Noncurrent loans to loans | 0.5175% | 4,026 |
| Net loans and leases to total assets | 38.3995% | 5,705 |
| Net loans and leases to deposits | 43.2064% | 5,791 |
| Net loans and leases to core deposits | 43.2064% | 5,862 |
| Total domestic deposits to total assets | 88.8746% | 1,348 |
| Equity capital to assets | 10.7371% | 3,281 |
| Core capital (leverage) ratio | 10.7110% | 2,740 |
| Tier 1 risk-based capital ratio | 22.7572% | 1,141 |
| Total risk-based capital ratio | 24.0245% | 1,119 |
| Memoranda: | ||
| Average total assets | $108,029,000 | 4,412 |
| Average earning assets | $100,001,500 | 4,397 |
| Average equity | $11,747,500 | 4,459 |
| Average total loans | $44,170,500 | 4,980 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7939% | 4,512 |
| Cost of funding earning assets | 0.1099% | 6,301 |
| Net interest margin | 3.6840% | 3,066 |
| Noninterest income to average assets | 0.5767% | 3,010 |
| Noninterest expense to average assets | 3.1745% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6067% | 4,338 |
| Return on assets (ROA) | 0.6067% | 4,433 |
| Pretax return on assets | 0.8170% | 4,199 |
| Return on Equity (ROE) | 5.7580% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.8797% | 2,694 |
| Net charge-offs to loans | -0.3977% | 6,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5316% | 2,003 |
| Assets per employee ($millions) | 3.1204% | 5,531 |
| Cash dividends to net income (ytd only)* | 15.2542% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7551% | 396 |
| Loan loss allowance to noncurrent loans | 1,471.4286% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 5,514 |
| Noncurrent loans to loans | 0.1872% | 5,159 |
| Net loans and leases to total assets | 41.1205% | 5,684 |
| Net loans and leases to deposits | 46.4635% | 5,774 |
| Net loans and leases to core deposits | 46.4635% | 5,868 |
| Total domestic deposits to total assets | 88.5007% | 1,525 |
| Equity capital to assets | 11.0167% | 2,879 |
| Core capital (leverage) ratio | 10.8415% | 2,565 |
| Tier 1 risk-based capital ratio | 22.4127% | 1,163 |
| Total risk-based capital ratio | 23.6782% | 1,145 |
| Memoranda: | ||
| Average total assets | $106,979,000 | 4,436 |
| Average earning assets | $99,158,800 | 4,415 |
| Average equity | $11,271,200 | 4,504 |
| Average total loans | $41,493,200 | 5,124 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 5,018 |
| Cost of funding earning assets | 0.1100% | 6,379 |
| Net interest margin | 3.5361% | 3,690 |
| Noninterest income to average assets | 0.6082% | 2,815 |
| Noninterest expense to average assets | 3.1541% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5634% | 4,619 |
| Return on assets (ROA) | 0.5634% | 4,689 |
| Pretax return on assets | 0.7326% | 4,584 |
| Return on Equity (ROE) | 5.4086% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.5132% | 3,440 |
| Net charge-offs to loans | -0.0689% | 6,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1520% | 1,734 |
| Assets per employee ($millions) | 3.1214% | 5,559 |
| Cash dividends to net income (ytd only)* | 16.5568% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 621 |
| Loan loss allowance to noncurrent loans | 1,174.1935% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 5,634 |
| Noncurrent loans to loans | 0.2159% | 5,255 |
| Net loans and leases to total assets | 39.5526% | 5,840 |
| Net loans and leases to deposits | 44.4967% | 5,947 |
| Net loans and leases to core deposits | 44.4967% | 6,018 |
| Total domestic deposits to total assets | 88.8888% | 1,307 |
| Equity capital to assets | 10.7541% | 3,237 |
| Core capital (leverage) ratio | 10.8211% | 2,673 |
| Tier 1 risk-based capital ratio | 22.8588% | 1,139 |
| Total risk-based capital ratio | 24.1228% | 1,114 |
| Memoranda: | ||
| Average total assets | $107,200,500 | 4,475 |
| Average earning assets | $99,391,000 | 4,450 |
| Average equity | $11,167,000 | 4,557 |
| Average total loans | $40,651,000 | 5,208 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 5,208 |
| Cost of funding earning assets | 0.1082% | 6,453 |
| Net interest margin | 3.4701% | 3,893 |
| Noninterest income to average assets | 0.5058% | 3,440 |
| Noninterest expense to average assets | 3.2596% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3477% | 5,413 |
| Return on assets (ROA) | 0.3477% | 5,483 |
| Pretax return on assets | 0.4667% | 5,370 |
| Return on Equity (ROE) | 3.3739% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.4718% | 4,632 |
| Net charge-offs to loans | -0.0903% | 6,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4750% | 1,132 |
| Assets per employee ($millions) | 3.0678% | 5,655 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7318% | 509 |
| Loan loss allowance to noncurrent loans | 1,379.7468% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 5,246 |
| Noncurrent loans to loans | 0.1980% | 5,424 |
| Net loans and leases to total assets | 36.1454% | 6,043 |
| Net loans and leases to deposits | 40.5233% | 6,132 |
| Net loans and leases to core deposits | 40.6302% | 6,202 |
| Total domestic deposits to total assets | 89.1964% | 1,255 |
| Equity capital to assets | 10.4767% | 3,468 |
| Core capital (leverage) ratio | 10.4265% | 3,053 |
| Tier 1 risk-based capital ratio | 23.7500% | 1,015 |
| Total risk-based capital ratio | 25.0149% | 994 |
| Memoranda: | ||
| Average total assets | $107,558,330 | 4,498 |
| Average earning assets | $99,823,330 | 4,474 |
| Average equity | $11,085,000 | 4,589 |
| Average total loans | $39,845,330 | 5,282 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 5,112 |
| Cost of funding earning assets | 0.1039% | 6,554 |
| Net interest margin | 3.5149% | 3,625 |
| Noninterest income to average assets | 0.4830% | 3,545 |
| Noninterest expense to average assets | 3.2475% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3864% | 5,162 |
| Return on assets (ROA) | 0.3864% | 5,232 |
| Pretax return on assets | 0.5053% | 5,158 |
| Return on Equity (ROE) | 3.7808% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.8719% | 4,373 |
| Net charge-offs to loans | -0.1105% | 6,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5347% | 1,389 |
| Assets per employee ($millions) | 3.0221% | 5,824 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7498% | 586 |
| Loan loss allowance to noncurrent loans | 1,664.6154% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 5,391 |
| Noncurrent loans to loans | 0.1652% | 5,590 |
| Net loans and leases to total assets | 35.1738% | 6,113 |
| Net loans and leases to deposits | 39.2377% | 6,195 |
| Net loans and leases to core deposits | 39.3394% | 6,260 |
| Total domestic deposits to total assets | 89.6428% | 1,285 |
| Equity capital to assets | 10.1210% | 3,696 |
| Core capital (leverage) ratio | 10.2092% | 3,281 |
| Tier 1 risk-based capital ratio | 23.4171% | 1,087 |
| Total risk-based capital ratio | 24.6813% | 1,068 |
| Memoranda: | ||
| Average total assets | $107,651,500 | 4,539 |
| Average earning assets | $100,144,000 | 4,504 |
| Average equity | $11,003,000 | 4,612 |
| Average total loans | $39,818,000 | 5,334 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8223% | 4,729 |
| Cost of funding earning assets | 0.1231% | 6,628 |
| Net interest margin | 3.6992% | 3,056 |
| Noninterest income to average assets | 0.6075% | 3,048 |
| Noninterest expense to average assets | 3.5523% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3508% | 5,328 |
| Return on assets (ROA) | 0.3508% | 5,442 |
| Pretax return on assets | 0.4893% | 5,232 |
| Return on Equity (ROE) | 3.1696% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.2653% | 4,635 |
| Net charge-offs to loans | -0.0268% | 6,204 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8939% | 1,228 |
| Assets per employee ($millions) | 2.9586% | 5,898 |
| Cash dividends to net income (ytd only)* | 28.5303% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6584% | 693 |
| Loan loss allowance to noncurrent loans | 830.2326% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 5,438 |
| Noncurrent loans to loans | 0.3202% | 5,227 |
| Net loans and leases to total assets | 36.8194% | 6,166 |
| Net loans and leases to deposits | 41.1963% | 6,263 |
| Net loans and leases to core deposits | 41.3057% | 6,323 |
| Total domestic deposits to total assets | 89.3755% | 1,401 |
| Equity capital to assets | 10.3231% | 3,375 |
| Core capital (leverage) ratio | 10.5809% | 2,805 |
| Tier 1 risk-based capital ratio | 23.1384% | 1,076 |
| Total risk-based capital ratio | 24.4030% | 1,054 |
| Memoranda: | ||
| Average total assets | $98,923,200 | 4,764 |
| Average earning assets | $91,830,000 | 4,722 |
| Average equity | $10,947,600 | 4,645 |
| Average total loans | $41,094,600 | 5,298 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8248% | 4,752 |
| Cost of funding earning assets | 0.1261% | 6,713 |
| Net interest margin | 3.6987% | 3,037 |
| Noninterest income to average assets | 0.5593% | 3,396 |
| Noninterest expense to average assets | 3.6017% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2900% | 5,649 |
| Return on assets (ROA) | 0.2900% | 5,756 |
| Pretax return on assets | 0.3848% | 5,666 |
| Return on Equity (ROE) | 2.5726% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.6581% | 5,313 |
| Net charge-offs to loans | -0.0387% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3482% | 964 |
| Assets per employee ($millions) | 2.7989% | 6,153 |
| Cash dividends to net income (ytd only)* | 35.5454% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5364% | 900 |
| Loan loss allowance to noncurrent loans | 665.8385% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,415 |
| Noncurrent loans to loans | 0.3809% | 5,258 |
| Net loans and leases to total assets | 42.0500% | 5,901 |
| Net loans and leases to deposits | 47.4574% | 6,000 |
| Net loans and leases to core deposits | 47.5950% | 6,142 |
| Total domestic deposits to total assets | 88.6058% | 1,780 |
| Equity capital to assets | 11.0910% | 2,679 |
| Core capital (leverage) ratio | 11.2364% | 2,263 |
| Tier 1 risk-based capital ratio | 23.0712% | 1,130 |
| Total risk-based capital ratio | 24.3345% | 1,117 |
| Memoranda: | ||
| Average total assets | $97,026,750 | 4,853 |
| Average earning assets | $89,902,250 | 4,816 |
| Average equity | $10,935,750 | 4,701 |
| Average total loans | $41,296,500 | 5,342 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 4,820 |
| Cost of funding earning assets | 0.1270% | 6,764 |
| Net interest margin | 3.6761% | 3,051 |
| Noninterest income to average assets | 0.5108% | 3,765 |
| Noninterest expense to average assets | 3.5548% | 1,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2709% | 5,709 |
| Return on assets (ROA) | 0.2709% | 5,846 |
| Pretax return on assets | 0.3681% | 5,711 |
| Return on Equity (ROE) | 2.3907% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.4782% | 5,281 |
| Net charge-offs to loans | -0.0293% | 6,092 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6168% | 1,017 |
| Assets per employee ($millions) | 2.7607% | 6,206 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5415% | 944 |
| Loan loss allowance to noncurrent loans | 1,284.3373% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 4,729 |
| Noncurrent loans to loans | 0.1979% | 5,819 |
| Net loans and leases to total assets | 42.3043% | 5,879 |
| Net loans and leases to deposits | 47.7730% | 5,994 |
| Net loans and leases to core deposits | 47.9136% | 6,133 |
| Total domestic deposits to total assets | 88.5528% | 1,888 |
| Equity capital to assets | 11.1875% | 2,563 |
| Core capital (leverage) ratio | 11.2867% | 2,099 |
| Tier 1 risk-based capital ratio | 23.3501% | 1,081 |
| Total risk-based capital ratio | 24.6135% | 1,062 |
| Memoranda: | ||
| Average total assets | $96,715,000 | 4,894 |
| Average earning assets | $89,769,330 | 4,853 |
| Average equity | $10,959,330 | 4,734 |
| Average total loans | $40,973,670 | 5,378 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 4,949 |
| Cost of funding earning assets | 0.1326% | 6,835 |
| Net interest margin | 3.6297% | 3,142 |
| Noninterest income to average assets | 0.3679% | 4,726 |
| Noninterest expense to average assets | 3.4643% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2108% | 5,852 |
| Return on assets (ROA) | 0.2108% | 5,971 |
| Pretax return on assets | 0.2976% | 5,857 |
| Return on Equity (ROE) | 1.8488% | 5,989 |
| Retained earnings to average equity (ytd only) | 0.9425% | 5,467 |
| Net charge-offs to loans | -0.0988% | 6,438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0879% | 973 |
| Assets per employee ($millions) | 2.5573% | 6,529 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6280% | 983 |
| Loan loss allowance to noncurrent loans | 1,244.1860% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 4,609 |
| Noncurrent loans to loans | 0.2112% | 5,880 |
| Net loans and leases to total assets | 40.7967% | 5,934 |
| Net loans and leases to deposits | 46.2311% | 6,045 |
| Net loans and leases to core deposits | 46.3668% | 6,195 |
| Total domestic deposits to total assets | 88.2452% | 2,163 |
| Equity capital to assets | 11.3638% | 2,565 |
| Core capital (leverage) ratio | 11.2195% | 2,081 |
| Tier 1 risk-based capital ratio | 23.7523% | 1,052 |
| Total risk-based capital ratio | 25.0176% | 1,029 |
| Memoranda: | ||
| Average total assets | $96,759,500 | 4,935 |
| Average earning assets | $90,476,000 | 4,878 |
| Average equity | $11,034,000 | 4,761 |
| Average total loans | $40,489,000 | 5,443 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 4,556 |
| Cost of funding earning assets | 0.1577% | 6,902 |
| Net interest margin | 4.0511% | 2,195 |
| Noninterest income to average assets | 0.7282% | 2,597 |
| Noninterest expense to average assets | 3.7212% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5441% | 4,505 |
| Return on assets (ROA) | 0.5441% | 4,756 |
| Pretax return on assets | 0.7924% | 4,322 |
| Return on Equity (ROE) | 4.8253% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.8253% | 2,827 |
| Net charge-offs to loans | -0.1637% | 6,912 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4435% | 1,813 |
| Assets per employee ($millions) | 2.6038% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6352% | 987 |
| Loan loss allowance to noncurrent loans | 2,210.4167% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.9259% | 4,185 |
| Noncurrent loans to loans | 0.1192% | 6,179 |
| Net loans and leases to total assets | 40.6905% | 6,125 |
| Net loans and leases to deposits | 46.1906% | 6,241 |
| Net loans and leases to core deposits | 46.1906% | 6,361 |
| Total domestic deposits to total assets | 88.0924% | 2,175 |
| Equity capital to assets | 11.4436% | 2,499 |
| Core capital (leverage) ratio | 11.1185% | 2,151 |
| Tier 1 risk-based capital ratio | 23.9527% | 979 |
| Total risk-based capital ratio | 25.2184% | 959 |
| Memoranda: | ||
| Average total assets | $95,023,400 | 4,965 |
| Average earning assets | $88,790,000 | 4,903 |
| Average equity | $10,714,400 | 4,813 |
| Average total loans | $38,485,400 | 5,566 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 4,890 |
| Cost of funding earning assets | 0.1611% | 7,014 |
| Net interest margin | 4.0182% | 2,431 |
| Noninterest income to average assets | 0.7505% | 2,483 |
| Noninterest expense to average assets | 3.7481% | 1,294 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5322% | 4,696 |
| Return on assets (ROA) | 0.5322% | 4,968 |
| Pretax return on assets | 0.7589% | 4,635 |
| Return on Equity (ROE) | 4.7382% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.7382% | 3,568 |
| Net charge-offs to loans | -0.1998% | 6,990 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1615% | 1,687 |
| Assets per employee ($millions) | 2.6332% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7409% | 944 |
| Loan loss allowance to noncurrent loans | 758.2734% | 546 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 4,210 |
| Noncurrent loans to loans | 0.3615% | 5,755 |
| Net loans and leases to total assets | 38.3869% | 6,396 |
| Net loans and leases to deposits | 43.4747% | 6,530 |
| Net loans and leases to core deposits | 43.4747% | 6,617 |
| Total domestic deposits to total assets | 88.2971% | 1,852 |
| Equity capital to assets | 11.2513% | 2,977 |
| Core capital (leverage) ratio | 11.1051% | 2,295 |
| Tier 1 risk-based capital ratio | 24.4076% | 967 |
| Total risk-based capital ratio | 25.6729% | 954 |
| Memoranda: | ||
| Average total assets | $94,693,750 | 5,021 |
| Average earning assets | $88,527,250 | 4,957 |
| Average equity | $10,636,750 | 4,877 |
| Average total loans | $38,041,000 | 5,652 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 5,082 |
| Cost of funding earning assets | 0.1641% | 7,086 |
| Net interest margin | 3.9974% | 2,515 |
| Noninterest income to average assets | 0.7592% | 2,377 |
| Noninterest expense to average assets | 3.8259% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4798% | 4,908 |
| Return on assets (ROA) | 0.4798% | 5,157 |
| Pretax return on assets | 0.6739% | 4,900 |
| Return on Equity (ROE) | 4.2742% | 5,144 |
| Retained earnings to average equity (ytd only) | 4.2742% | 3,765 |
| Net charge-offs to loans | -0.2322% | 7,031 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0237% | 1,532 |
| Assets per employee ($millions) | 2.5263% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7638% | 977 |
| Loan loss allowance to noncurrent loans | 733.0986% | 535 |
| Noncurrent assets plus other real estate owned to assets | 1.0912% | 4,197 |
| Noncurrent loans to loans | 0.3770% | 5,784 |
| Net loans and leases to total assets | 39.1829% | 6,392 |
| Net loans and leases to deposits | 44.3966% | 6,532 |
| Net loans and leases to core deposits | 44.3966% | 6,647 |
| Total domestic deposits to total assets | 88.2564% | 1,981 |
| Equity capital to assets | 11.3970% | 2,691 |
| Core capital (leverage) ratio | 11.1257% | 2,182 |
| Tier 1 risk-based capital ratio | 24.8875% | 912 |
| Total risk-based capital ratio | 26.1538% | 898 |
| Memoranda: | ||
| Average total assets | $93,782,000 | 5,077 |
| Average earning assets | $87,757,670 | 4,998 |
| Average equity | $10,528,330 | 4,908 |
| Average total loans | $37,903,330 | 5,690 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 5,036 |
| Cost of funding earning assets | 0.1728% | 7,146 |
| Net interest margin | 4.0478% | 2,309 |
| Noninterest income to average assets | 0.7154% | 2,577 |
| Noninterest expense to average assets | 4.0240% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3577% | 5,443 |
| Return on assets (ROA) | 0.3577% | 5,625 |
| Pretax return on assets | 0.4812% | 5,483 |
| Return on Equity (ROE) | 3.2104% | 5,631 |
| Retained earnings to average equity (ytd only) | 3.2104% | 4,642 |
| Net charge-offs to loans | -0.2420% | 7,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3195% | 1,149 |
| Assets per employee ($millions) | 2.4122% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6788% | 1,143 |
| Loan loss allowance to noncurrent loans | 199.2188% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 4,301 |
| Noncurrent loans to loans | 1.3446% | 4,098 |
| Net loans and leases to total assets | 39.3909% | 6,398 |
| Net loans and leases to deposits | 44.5418% | 6,523 |
| Net loans and leases to core deposits | 44.5418% | 6,638 |
| Total domestic deposits to total assets | 88.4358% | 2,047 |
| Equity capital to assets | 11.2155% | 2,702 |
| Core capital (leverage) ratio | 11.0637% | 2,211 |
| Tier 1 risk-based capital ratio | 24.3181% | 976 |
| Total risk-based capital ratio | 25.5841% | 957 |
| Memoranda: | ||
| Average total assets | $93,937,000 | 5,102 |
| Average earning assets | $87,950,000 | 5,024 |
| Average equity | $10,466,000 | 4,925 |
| Average total loans | $38,022,000 | 5,731 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 4,528 |
| Cost of funding earning assets | 0.2756% | 7,142 |
| Net interest margin | 4.3591% | 1,517 |
| Noninterest income to average assets | 0.7020% | 2,592 |
| Noninterest expense to average assets | 4.2077% | 799 |
| Loan and lease loss provision to assets | -0.2669% | 7,312 |
| Net operating income to assets | 0.5924% | 4,042 |
| Return on assets (ROA) | 0.5924% | 4,216 |
| Pretax return on assets | 0.8238% | 3,898 |
| Return on Equity (ROE) | 5.3230% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.3230% | 2,435 |
| Net charge-offs to loans | -0.5804% | 7,286 |
| Credit loss provision to net charge-offs | 102.5532% | 3,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3105% | 1,337 |
| Assets per employee ($millions) | 2.4051% | 6,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6260% | 1,161 |
| Loan loss allowance to noncurrent loans | 165.3400% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 4,383 |
| Noncurrent loans to loans | 1.5882% | 3,780 |
| Net loans and leases to total assets | 39.4141% | 6,578 |
| Net loans and leases to deposits | 44.4982% | 6,698 |
| Net loans and leases to core deposits | 44.4982% | 6,794 |
| Total domestic deposits to total assets | 88.5745% | 1,804 |
| Equity capital to assets | 11.0673% | 2,928 |
| Core capital (leverage) ratio | 11.0789% | 2,211 |
| Tier 1 risk-based capital ratio | 24.3798% | 936 |
| Total risk-based capital ratio | 25.6452% | 924 |
| Memoranda: | ||
| Average total assets | $90,310,400 | 5,172 |
| Average earning assets | $84,169,200 | 5,114 |
| Average equity | $10,050,800 | 4,999 |
| Average total loans | $40,492,000 | 5,667 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 4,807 |
| Cost of funding earning assets | 0.2786% | 7,243 |
| Net interest margin | 4.3365% | 1,596 |
| Noninterest income to average assets | 0.9481% | 1,490 |
| Noninterest expense to average assets | 4.3545% | 667 |
| Loan and lease loss provision to assets | 0.2132% | 3,892 |
| Net operating income to assets | 0.3131% | 5,349 |
| Return on assets (ROA) | 0.3131% | 5,523 |
| Pretax return on assets | 0.4174% | 5,417 |
| Return on Equity (ROE) | 2.8088% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.8088% | 4,676 |
| Net charge-offs to loans | 0.4118% | 3,082 |
| Credit loss provision to net charge-offs | 112.5984% | 2,902 |
| Earnings coverage of net charge-offs (x) | 3.3307% | 3,480 |
| Efficiency ratio | 87.3505% | 1,404 |
| Assets per employee ($millions) | 2.3287% | 7,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5258% | 1,359 |
| Loan loss allowance to noncurrent loans | 115.8134% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6857% | 3,556 |
| Noncurrent loans to loans | 2.1809% | 3,140 |
| Net loans and leases to total assets | 43.2565% | 6,404 |
| Net loans and leases to deposits | 48.8650% | 6,574 |
| Net loans and leases to core deposits | 48.8650% | 6,718 |
| Total domestic deposits to total assets | 88.5225% | 1,743 |
| Equity capital to assets | 11.2056% | 2,958 |
| Core capital (leverage) ratio | 11.0083% | 2,378 |
| Tier 1 risk-based capital ratio | 22.7981% | 1,174 |
| Total risk-based capital ratio | 24.0639% | 1,150 |
| Memoranda: | ||
| Average total assets | $89,438,250 | 5,235 |
| Average earning assets | $83,260,000 | 5,178 |
| Average equity | $9,968,250 | 5,039 |
| Average total loans | $41,123,250 | 5,691 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 4,618 |
| Cost of funding earning assets | 0.2859% | 7,328 |
| Net interest margin | 4.3948% | 1,384 |
| Noninterest income to average assets | 0.9486% | 1,471 |
| Noninterest expense to average assets | 4.3517% | 701 |
| Loan and lease loss provision to assets | 0.1528% | 4,405 |
| Net operating income to assets | 0.3844% | 5,023 |
| Return on assets (ROA) | 0.3844% | 5,161 |
| Pretax return on assets | 0.5215% | 4,989 |
| Return on Equity (ROE) | 3.4550% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.4550% | 4,051 |
| Net charge-offs to loans | 0.6619% | 2,184 |
| Credit loss provision to net charge-offs | 49.6350% | 4,594 |
| Earnings coverage of net charge-offs (x) | 2.1898% | 3,745 |
| Efficiency ratio | 86.5832% | 1,541 |
| Assets per employee ($millions) | 2.2365% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3407% | 1,679 |
| Loan loss allowance to noncurrent loans | 798.2906% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 5,111 |
| Noncurrent loans to loans | 0.2932% | 6,328 |
| Net loans and leases to total assets | 44.6768% | 6,373 |
| Net loans and leases to deposits | 50.6894% | 6,554 |
| Net loans and leases to core deposits | 50.6894% | 6,732 |
| Total domestic deposits to total assets | 88.1383% | 2,048 |
| Equity capital to assets | 11.5819% | 2,429 |
| Core capital (leverage) ratio | 10.9330% | 2,312 |
| Tier 1 risk-based capital ratio | 23.3334% | 1,082 |
| Total risk-based capital ratio | 24.5962% | 1,062 |
| Memoranda: | ||
| Average total assets | $88,977,330 | 5,289 |
| Average earning assets | $82,552,670 | 5,245 |
| Average equity | $9,898,670 | 5,076 |
| Average total loans | $41,396,330 | 5,739 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 5,110 |
| Cost of funding earning assets | 0.2876% | 7,403 |
| Net interest margin | 4.2759% | 1,642 |
| Noninterest income to average assets | 1.0684% | 1,149 |
| Noninterest expense to average assets | 4.4427% | 632 |
| Loan and lease loss provision to assets | 0.1469% | 4,176 |
| Net operating income to assets | 0.3383% | 5,233 |
| Return on assets (ROA) | 0.3383% | 5,309 |
| Pretax return on assets | 0.4496% | 5,190 |
| Return on Equity (ROE) | 3.1030% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.1030% | 4,308 |
| Net charge-offs to loans | -0.0475% | 6,866 |
| Credit loss provision to net charge-offs | -660.0000% | 6,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1625% | 1,494 |
| Assets per employee ($millions) | 2.0069% | 7,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4919% | 1,470 |
| Loan loss allowance to noncurrent loans | 344.7020% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 5,169 |
| Noncurrent loans to loans | 0.7229% | 5,565 |
| Net loans and leases to total assets | 45.1062% | 6,372 |
| Net loans and leases to deposits | 50.7431% | 6,571 |
| Net loans and leases to core deposits | 50.7431% | 6,744 |
| Total domestic deposits to total assets | 88.8915% | 1,843 |
| Equity capital to assets | 10.8483% | 2,830 |
| Core capital (leverage) ratio | 10.7826% | 2,367 |
| Tier 1 risk-based capital ratio | 22.1766% | 1,203 |
| Total risk-based capital ratio | 23.4408% | 1,175 |
| Memoranda: | ||
| Average total assets | $89,855,000 | 5,294 |
| Average earning assets | $83,443,500 | 5,252 |
| Average equity | $9,797,000 | 5,095 |
| Average total loans | $42,143,500 | 5,748 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 5,363 |
| Cost of funding earning assets | 0.4324% | 7,397 |
| Net interest margin | 4.3829% | 1,543 |
| Noninterest income to average assets | 0.9184% | 1,780 |
| Noninterest expense to average assets | 4.6062% | 588 |
| Loan and lease loss provision to assets | -0.4345% | 7,644 |
| Net operating income to assets | 0.5405% | 3,923 |
| Return on assets (ROA) | 0.6079% | 3,799 |
| Pretax return on assets | 0.8811% | 3,373 |
| Return on Equity (ROE) | 5.8248% | 3,685 |
| Retained earnings to average equity (ytd only) | 5.8248% | 1,924 |
| Net charge-offs to loans | -0.9237% | 7,599 |
| Credit loss provision to net charge-offs | 96.5854% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9584% | 1,123 |
| Assets per employee ($millions) | 1.9867% | 7,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3594% | 1,608 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 5,088 |
| Noncurrent loans to loans | 0.8327% | 5,387 |
| Net loans and leases to total assets | 46.4290% | 6,520 |
| Net loans and leases to deposits | 52.3331% | 6,722 |
| Net loans and leases to core deposits | 52.3331% | 6,890 |
| Total domestic deposits to total assets | 88.7182% | 1,812 |
| Equity capital to assets | 10.9585% | 2,726 |
| Core capital (leverage) ratio | 10.7717% | 2,330 |
| Tier 1 risk-based capital ratio | 21.9959% | 1,175 |
| Total risk-based capital ratio | 23.2595% | 1,143 |
| Memoranda: | ||
| Average total assets | $91,137,200 | 5,255 |
| Average earning assets | $83,940,800 | 5,214 |
| Average equity | $9,511,000 | 5,262 |
| Average total loans | $44,384,800 | 5,731 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 5,578 |
| Cost of funding earning assets | 0.4655% | 7,494 |
| Net interest margin | 4.3540% | 1,666 |
| Noninterest income to average assets | 0.9377% | 1,656 |
| Noninterest expense to average assets | 4.7204% | 480 |
| Loan and lease loss provision to assets | -0.1194% | 7,700 |
| Net operating income to assets | 0.2636% | 5,306 |
| Return on assets (ROA) | 0.3611% | 5,106 |
| Pretax return on assets | 0.4674% | 5,019 |
| Return on Equity (ROE) | 3.5029% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.5029% | 3,989 |
| Net charge-offs to loans | -0.6718% | 7,691 |
| Credit loss provision to net charge-offs | 36.2832% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5215% | 927 |
| Assets per employee ($millions) | 2.1491% | 7,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5663% | 1,250 |
| Loan loss allowance to noncurrent loans | 224.8016% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 4,882 |
| Noncurrent loans to loans | 1.1416% | 4,954 |
| Net loans and leases to total assets | 47.6579% | 6,552 |
| Net loans and leases to deposits | 53.5224% | 6,799 |
| Net loans and leases to core deposits | 53.5224% | 6,984 |
| Total domestic deposits to total assets | 89.0430% | 1,371 |
| Equity capital to assets | 10.7099% | 3,281 |
| Core capital (leverage) ratio | 10.1753% | 3,069 |
| Tier 1 risk-based capital ratio | 20.8241% | 1,390 |
| Total risk-based capital ratio | 22.0904% | 1,369 |
| Memoranda: | ||
| Average total assets | $91,571,250 | 5,308 |
| Average earning assets | $84,212,000 | 5,261 |
| Average equity | $9,439,500 | 5,367 |
| Average total loans | $44,853,250 | 5,791 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 5,647 |
| Cost of funding earning assets | 0.5126% | 7,531 |
| Net interest margin | 4.3267% | 1,682 |
| Noninterest income to average assets | 0.7195% | 2,580 |
| Noninterest expense to average assets | 4.5192% | 563 |
| Loan and lease loss provision to assets | -0.1782% | 7,779 |
| Net operating income to assets | 0.2954% | 5,198 |
| Return on assets (ROA) | 0.3717% | 5,047 |
| Pretax return on assets | 0.4760% | 4,980 |
| Return on Equity (ROE) | 3.6524% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.6524% | 3,774 |
| Net charge-offs to loans | -1.3219% | 7,768 |
| Credit loss provision to net charge-offs | 27.5168% | 5,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7623% | 982 |
| Assets per employee ($millions) | 2.0137% | 7,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7424% | 1,050 |
| Loan loss allowance to noncurrent loans | 411.5894% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 5,319 |
| Noncurrent loans to loans | 0.6663% | 5,921 |
| Net loans and leases to total assets | 48.6465% | 6,581 |
| Net loans and leases to deposits | 54.5441% | 6,825 |
| Net loans and leases to core deposits | 54.5441% | 7,012 |
| Total domestic deposits to total assets | 89.1875% | 1,330 |
| Equity capital to assets | 10.5433% | 3,353 |
| Core capital (leverage) ratio | 10.3603% | 2,759 |
| Tier 1 risk-based capital ratio | 20.3208% | 1,459 |
| Total risk-based capital ratio | 21.5885% | 1,426 |
| Memoranda: | ||
| Average total assets | $92,007,670 | 5,318 |
| Average earning assets | $85,052,670 | 5,261 |
| Average equity | $9,363,670 | 5,393 |
| Average total loans | $45,087,670 | 5,815 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 6,227 |
| Cost of funding earning assets | 0.6021% | 7,533 |
| Net interest margin | 4.1021% | 2,429 |
| Noninterest income to average assets | 0.7680% | 2,187 |
| Noninterest expense to average assets | 4.9189% | 388 |
| Loan and lease loss provision to assets | 0.1208% | 5,376 |
| Net operating income to assets | -0.2988% | 6,666 |
| Return on assets (ROA) | -0.2546% | 6,672 |
| Pretax return on assets | -0.4401% | 6,746 |
| Return on Equity (ROE) | -2.5463% | 6,701 |
| Retained earnings to average equity (ytd only) | -2.5463% | 6,300 |
| Net charge-offs to loans | -0.2046% | 7,676 |
| Credit loss provision to net charge-offs | -121.7391% | 6,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5714% | 631 |
| Assets per employee ($millions) | 1.9226% | 7,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4067% | 1,415 |
| Loan loss allowance to noncurrent loans | 539.0000% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 5,331 |
| Noncurrent loans to loans | 0.4465% | 6,410 |
| Net loans and leases to total assets | 48.3765% | 6,632 |
| Net loans and leases to deposits | 53.9867% | 6,917 |
| Net loans and leases to core deposits | 53.9867% | 7,105 |
| Total domestic deposits to total assets | 89.6082% | 1,179 |
| Equity capital to assets | 10.2025% | 3,603 |
| Core capital (leverage) ratio | 9.8662% | 3,319 |
| Tier 1 risk-based capital ratio | 19.4976% | 1,613 |
| Total risk-based capital ratio | 20.7600% | 1,586 |
| Memoranda: | ||
| Average total assets | $92,703,000 | 5,361 |
| Average earning assets | $85,029,000 | 5,336 |
| Average equity | $9,268,500 | 5,467 |
| Average total loans | $44,969,000 | 5,887 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 5,258 |
| Cost of funding earning assets | 1.1309% | 6,879 |
| Net interest margin | 4.1543% | 2,233 |
| Noninterest income to average assets | 0.7678% | 2,572 |
| Noninterest expense to average assets | 4.5681% | 741 |
| Loan and lease loss provision to assets | 1.5304% | 1,504 |
| Net operating income to assets | -0.9414% | 6,536 |
| Return on assets (ROA) | -0.9077% | 6,514 |
| Pretax return on assets | -1.4684% | 6,682 |
| Return on Equity (ROE) | -9.3508% | 6,569 |
| Retained earnings to average equity (ytd only) | -9.3508% | 6,462 |
| Net charge-offs to loans | 3.6481% | 515 |
| Credit loss provision to net charge-offs | 79.1191% | 6,305 |
| Earnings coverage of net charge-offs (x) | 0.0049% | 6,189 |
| Efficiency ratio | 99.7932% | 1,111 |
| Assets per employee ($millions) | 1.8636% | 7,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 1,524 |
| Loan loss allowance to noncurrent loans | 429.7071% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.9080% | 5,277 |
| Noncurrent loans to loans | 0.5294% | 6,196 |
| Net loans and leases to total assets | 46.4196% | 6,939 |
| Net loans and leases to deposits | 51.5698% | 7,169 |
| Net loans and leases to core deposits | 54.1689% | 7,464 |
| Total domestic deposits to total assets | 90.0133% | 950 |
| Equity capital to assets | 9.8037% | 3,999 |
| Core capital (leverage) ratio | 9.6891% | 3,476 |
| Tier 1 risk-based capital ratio | 18.7282% | 1,712 |
| Total risk-based capital ratio | 19.9881% | 1,674 |
| Memoranda: | ||
| Average total assets | $95,072,200 | 5,239 |
| Average earning assets | $87,186,800 | 5,219 |
| Average equity | $9,229,200 | 5,538 |
| Average total loans | $50,410,400 | 5,648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 4,799 |
| Cost of funding earning assets | 1.2337% | 6,787 |
| Net interest margin | 4.1950% | 2,083 |
| Noninterest income to average assets | 0.7446% | 2,735 |
| Noninterest expense to average assets | 4.4411% | 793 |
| Loan and lease loss provision to assets | 2.1483% | 814 |
| Net operating income to assets | -1.5222% | 7,127 |
| Return on assets (ROA) | -1.4710% | 7,090 |
| Pretax return on assets | -1.9296% | 7,143 |
| Return on Equity (ROE) | -15.1909% | 7,199 |
| Retained earnings to average equity (ytd only) | -15.1909% | 7,145 |
| Net charge-offs to loans | 5.1526% | 209 |
| Credit loss provision to net charge-offs | 76.6383% | 5,847 |
| Earnings coverage of net charge-offs (x) | 0.0540% | 5,994 |
| Efficiency ratio | 96.7023% | 1,234 |
| Assets per employee ($millions) | 1.7974% | 7,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 1,767 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 5,718 |
| Noncurrent loans to loans | 0.0683% | 7,330 |
| Net loans and leases to total assets | 49.1419% | 6,855 |
| Net loans and leases to deposits | 54.5993% | 7,167 |
| Net loans and leases to core deposits | 58.0063% | 7,464 |
| Total domestic deposits to total assets | 90.0047% | 764 |
| Equity capital to assets | 9.7642% | 4,400 |
| Core capital (leverage) ratio | 9.4319% | 4,002 |
| Tier 1 risk-based capital ratio | 18.0949% | 1,955 |
| Total risk-based capital ratio | 19.3535% | 1,908 |
| Memoranda: | ||
| Average total assets | $95,078,750 | 5,266 |
| Average earning assets | $87,213,500 | 5,257 |
| Average equity | $9,207,000 | 5,587 |
| Average total loans | $51,726,250 | 5,641 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5355% | 4,411 |
| Cost of funding earning assets | 1.3265% | 6,711 |
| Net interest margin | 4.2090% | 1,963 |
| Noninterest income to average assets | 0.6882% | 3,070 |
| Noninterest expense to average assets | 4.2001% | 1,073 |
| Loan and lease loss provision to assets | 0.9308% | 1,813 |
| Net operating income to assets | -0.3112% | 6,334 |
| Return on assets (ROA) | -0.2510% | 6,278 |
| Pretax return on assets | -0.4727% | 6,395 |
| Return on Equity (ROE) | -2.5991% | 6,310 |
| Retained earnings to average equity (ytd only) | -2.5991% | 5,887 |
| Net charge-offs to loans | 3.6443% | 416 |
| Credit loss provision to net charge-offs | 45.7819% | 5,818 |
| Earnings coverage of net charge-offs (x) | 0.1790% | 5,491 |
| Efficiency ratio | 92.0257% | 1,636 |
| Assets per employee ($millions) | 1.8916% | 7,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 2,115 |
| Loan loss allowance to noncurrent loans | 92.0833% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.7578% | 3,539 |
| Noncurrent loans to loans | 1.9286% | 3,632 |
| Net loans and leases to total assets | 49.7057% | 6,901 |
| Net loans and leases to deposits | 55.5105% | 7,191 |
| Net loans and leases to core deposits | 59.8756% | 7,457 |
| Total domestic deposits to total assets | 89.5428% | 1,024 |
| Equity capital to assets | 10.1502% | 3,768 |
| Core capital (leverage) ratio | 10.3940% | 2,907 |
| Tier 1 risk-based capital ratio | 18.5358% | 1,871 |
| Total risk-based capital ratio | 19.7900% | 1,824 |
| Memoranda: | ||
| Average total assets | $95,617,000 | 5,291 |
| Average earning assets | $88,049,330 | 5,263 |
| Average equity | $9,234,000 | 5,604 |
| Average total loans | $53,343,670 | 5,624 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7615% | 3,472 |
| Cost of funding earning assets | 1.3551% | 6,859 |
| Net interest margin | 4.4064% | 1,328 |
| Noninterest income to average assets | 0.5560% | 3,871 |
| Noninterest expense to average assets | 4.2613% | 883 |
| Loan and lease loss provision to assets | 1.0950% | 1,199 |
| Net operating income to assets | -0.4278% | 6,809 |
| Return on assets (ROA) | -0.3735% | 6,834 |
| Pretax return on assets | -0.6579% | 6,938 |
| Return on Equity (ROE) | -3.9734% | 6,890 |
| Retained earnings to average equity (ytd only) | -3.9734% | 6,424 |
| Net charge-offs to loans | 0.3628% | 2,645 |
| Credit loss provision to net charge-offs | 516.0000% | 1,056 |
| Earnings coverage of net charge-offs (x) | 1.6600% | 3,900 |
| Efficiency ratio | 92.3643% | 1,543 |
| Assets per employee ($millions) | 1.7904% | 8,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0188% | 471 |
| Loan loss allowance to noncurrent loans | 61.2330% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.9237% | 1,946 |
| Noncurrent loans to loans | 4.9300% | 1,106 |
| Net loans and leases to total assets | 55.8656% | 6,258 |
| Net loans and leases to deposits | 61.9102% | 6,743 |
| Net loans and leases to core deposits | 66.8260% | 7,204 |
| Total domestic deposits to total assets | 90.2365% | 703 |
| Equity capital to assets | 9.5465% | 4,612 |
| Core capital (leverage) ratio | 9.2504% | 4,319 |
| Tier 1 risk-based capital ratio | 16.0217% | 2,686 |
| Total risk-based capital ratio | 17.2938% | 2,614 |
| Memoranda: | ||
| Average total assets | $94,244,000 | 5,368 |
| Average earning assets | $86,783,000 | 5,326 |
| Average equity | $8,859,000 | 5,754 |
| Average total loans | $55,127,500 | 5,586 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4054% | 3,391 |
| Cost of funding earning assets | 1.8280% | 6,933 |
| Net interest margin | 4.5774% | 1,238 |
| Noninterest income to average assets | 0.5819% | 3,992 |
| Noninterest expense to average assets | 4.3156% | 1,029 |
| Loan and lease loss provision to assets | 2.2515% | 507 |
| Net operating income to assets | -1.4641% | 7,451 |
| Return on assets (ROA) | -1.4214% | 7,378 |
| Pretax return on assets | -1.7221% | 7,350 |
| Return on Equity (ROE) | -14.5453% | 7,569 |
| Retained earnings to average equity (ytd only) | -15.8312% | 7,513 |
| Net charge-offs to loans | 2.4467% | 401 |
| Credit loss provision to net charge-offs | 150.3439% | 3,490 |
| Earnings coverage of net charge-offs (x) | 0.3191% | 6,037 |
| Efficiency ratio | 90.0301% | 1,514 |
| Assets per employee ($millions) | 1.7997% | 8,040 |
| Cash dividends to net income (ytd only)* | -8.8406% | 7,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4919% | 687 |
| Loan loss allowance to noncurrent loans | 53.0651% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.8694% | 1,630 |
| Noncurrent loans to loans | 4.6959% | 990 |
| Net loans and leases to total assets | 57.8838% | 6,212 |
| Net loans and leases to deposits | 63.9424% | 6,800 |
| Net loans and leases to core deposits | 68.7225% | 7,258 |
| Total domestic deposits to total assets | 90.5248% | 476 |
| Equity capital to assets | 9.2571% | 4,993 |
| Core capital (leverage) ratio | 9.1739% | 4,480 |
| Tier 1 risk-based capital ratio | 15.1999% | 2,958 |
| Total risk-based capital ratio | 16.4638% | 2,877 |
| Memoranda: | ||
| Average total assets | $97,089,400 | 5,135 |
| Average earning assets | $89,330,800 | 5,106 |
| Average equity | $9,487,600 | 5,575 |
| Average total loans | $59,426,000 | 5,294 |