Home > The Commercial Bank > Performance and Condition Ratios
The Commercial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 4,313 |
| Cost of funding earning assets | 0.5301% | 4,171 |
| Net interest margin | 3.1214% | 3,049 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.1784% | 3,187 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1603% | 1,754 |
| Return on assets (ROA) | 1.1603% | 1,729 |
| Pretax return on assets | 1.2127% | 2,107 |
| Return on Equity (ROE) | 19.3700% | 674 |
| Retained earnings to average equity (ytd only) | 12.0149% | 630 |
| Net charge-offs to loans | 0.0430% | 1,465 |
| Credit loss provision to net charge-offs | 244.1176% | 1,088 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 948 |
| Efficiency ratio | 63.6140% | 2,652 |
| Assets per employee ($millions) | 4.3542% | 4,017 |
| Cash dividends to net income (ytd only)* | 37.9703% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 1,477 |
| Loan loss allowance to noncurrent loans | 280.3738% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,384 |
| Noncurrent loans to loans | 0.4911% | 1,559 |
| Net loans and leases to total assets | 34.6300% | 4,195 |
| Net loans and leases to deposits | 37.2112% | 4,252 |
| Net loans and leases to core deposits | 39.6472% | 4,293 |
| Total domestic deposits to total assets | 93.0700% | 167 |
| Equity capital to assets | 6.5909% | 4,087 |
| Core capital (leverage) ratio | 13.2912% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1614% | 240 |
| Memoranda: | ||
| Average total assets | $249,682,800 | 2,685 |
| Average earning assets | $237,492,200 | 2,643 |
| Average equity | $14,956,400 | 3,268 |
| Average total loans | $79,062,800 | 3,424 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 4,322 |
| Cost of funding earning assets | 0.4423% | 4,211 |
| Net interest margin | 3.1398% | 3,052 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.0406% | 3,493 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3218% | 1,496 |
| Return on assets (ROA) | 1.3218% | 1,476 |
| Pretax return on assets | 1.3810% | 1,820 |
| Return on Equity (ROE) | 22.6300% | 513 |
| Retained earnings to average equity (ytd only) | 15.3267% | 523 |
| Net charge-offs to loans | 0.0398% | 1,319 |
| Credit loss provision to net charge-offs | 304.3478% | 880 |
| Earnings coverage of net charge-offs (x) | 115.6522% | 858 |
| Efficiency ratio | 58.9949% | 3,088 |
| Assets per employee ($millions) | 4.4376% | 3,978 |
| Cash dividends to net income (ytd only)* | 32.2711% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,243 |
| Loan loss allowance to noncurrent loans | 268.0089% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 2,388 |
| Noncurrent loans to loans | 0.5419% | 1,471 |
| Net loans and leases to total assets | 32.7100% | 4,273 |
| Net loans and leases to deposits | 35.0760% | 4,311 |
| Net loans and leases to core deposits | 37.3843% | 4,304 |
| Total domestic deposits to total assets | 93.2600% | 266 |
| Equity capital to assets | 6.3568% | 3,874 |
| Core capital (leverage) ratio | 13.2745% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9893% | 204 |
| Memoranda: | ||
| Average total assets | $250,055,750 | 2,685 |
| Average earning assets | $238,139,500 | 2,642 |
| Average equity | $14,606,000 | 3,298 |
| Average total loans | $77,041,000 | 3,455 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 4,329 |
| Cost of funding earning assets | 0.3342% | 4,266 |
| Net interest margin | 3.1785% | 3,039 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.0050% | 3,583 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.3146% | 1,530 |
| Return on assets (ROA) | 1.3146% | 1,515 |
| Pretax return on assets | 1.3729% | 1,882 |
| Return on Equity (ROE) | 23.1800% | 478 |
| Retained earnings to average equity (ytd only) | 16.1447% | 458 |
| Net charge-offs to loans | 0.0213% | 1,462 |
| Credit loss provision to net charge-offs | 650.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 221.5000% | 552 |
| Efficiency ratio | 58.6368% | 3,116 |
| Assets per employee ($millions) | 4.7064% | 3,819 |
| Cash dividends to net income (ytd only)* | 30.3582% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,022 |
| Loan loss allowance to noncurrent loans | 199.1667% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 1,990 |
| Noncurrent loans to loans | 0.7814% | 970 |
| Net loans and leases to total assets | 30.3000% | 4,323 |
| Net loans and leases to deposits | 32.3425% | 4,364 |
| Net loans and leases to core deposits | 33.9104% | 4,361 |
| Total domestic deposits to total assets | 93.7000% | 169 |
| Equity capital to assets | 5.9870% | 4,157 |
| Core capital (leverage) ratio | 13.1532% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7067% | 192 |
| Memoranda: | ||
| Average total assets | $250,572,333 | 2,689 |
| Average earning assets | $238,163,333 | 2,649 |
| Average equity | $14,209,000 | 3,337 |
| Average total loans | $75,226,000 | 3,486 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5001% | 4,266 |
| Cost of funding earning assets | 0.2377% | 4,313 |
| Net interest margin | 3.2624% | 2,966 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.9877% | 3,659 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3841% | 1,450 |
| Return on assets (ROA) | 1.3841% | 1,423 |
| Pretax return on assets | 1.4446% | 1,783 |
| Return on Equity (ROE) | 25.1000% | 399 |
| Retained earnings to average equity (ytd only) | 17.8818% | 524 |
| Net charge-offs to loans | -0.1881% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.5911% | 3,235 |
| Assets per employee ($millions) | 4.7420% | 3,854 |
| Cash dividends to net income (ytd only)* | 28.7687% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,018 |
| Loan loss allowance to noncurrent loans | 223.9252% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 2,073 |
| Noncurrent loans to loans | 0.7125% | 1,069 |
| Net loans and leases to total assets | 29.4000% | 4,377 |
| Net loans and leases to deposits | 31.2277% | 4,422 |
| Net loans and leases to core deposits | 32.2309% | 4,420 |
| Total domestic deposits to total assets | 94.1500% | 156 |
| Equity capital to assets | 5.5601% | 4,328 |
| Core capital (leverage) ratio | 12.8080% | 1,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7322% | 207 |
| Memoranda: | ||
| Average total assets | $251,138,500 | 2,725 |
| Average earning assets | $238,963,500 | 2,676 |
| Average equity | $13,846,500 | 3,405 |
| Average total loans | $74,447,000 | 3,534 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8885% | 4,248 |
| Cost of funding earning assets | 0.1386% | 4,183 |
| Net interest margin | 2.7499% | 3,978 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.9686% | 3,668 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9673% | 2,693 |
| Return on assets (ROA) | 0.9673% | 2,640 |
| Pretax return on assets | 1.0106% | 3,048 |
| Return on Equity (ROE) | 15.6200% | 1,120 |
| Retained earnings to average equity (ytd only) | 9.9949% | 1,151 |
| Net charge-offs to loans | 0.0671% | 976 |
| Credit loss provision to net charge-offs | 95.7447% | 1,595 |
| Earnings coverage of net charge-offs (x) | 56.4894% | 1,296 |
| Efficiency ratio | 65.6932% | 2,269 |
| Assets per employee ($millions) | 5.2281% | 3,488 |
| Cash dividends to net income (ytd only)* | 36.0288% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,046 |
| Loan loss allowance to noncurrent loans | 188.9984% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 1,939 |
| Noncurrent loans to loans | 0.8251% | 899 |
| Net loans and leases to total assets | 28.9500% | 4,411 |
| Net loans and leases to deposits | 30.6899% | 4,460 |
| Net loans and leases to core deposits | 31.4650% | 4,459 |
| Total domestic deposits to total assets | 94.3400% | 206 |
| Equity capital to assets | 5.4668% | 4,247 |
| Core capital (leverage) ratio | 11.0527% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7027% | 208 |
| Memoranda: | ||
| Average total assets | $258,254,600 | 2,684 |
| Average earning assets | $243,830,200 | 2,653 |
| Average equity | $15,988,200 | 3,272 |
| Average total loans | $70,053,800 | 3,575 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7060% | 4,292 |
| Cost of funding earning assets | 0.1392% | 3,946 |
| Net interest margin | 2.5669% | 4,141 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.8112% | 3,965 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9551% | 2,642 |
| Return on assets (ROA) | 0.9551% | 2,613 |
| Pretax return on assets | 0.9976% | 3,016 |
| Return on Equity (ROE) | 15.0000% | 1,175 |
| Retained earnings to average equity (ytd only) | 10.9769% | 1,062 |
| Net charge-offs to loans | 0.0502% | 979 |
| Credit loss provision to net charge-offs | 111.5385% | 1,262 |
| Earnings coverage of net charge-offs (x) | 75.9615% | 1,067 |
| Efficiency ratio | 64.1431% | 2,531 |
| Assets per employee ($millions) | 5.4973% | 3,220 |
| Cash dividends to net income (ytd only)* | 26.8384% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 1,089 |
| Loan loss allowance to noncurrent loans | 199.6546% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,198 |
| Noncurrent loans to loans | 0.7949% | 1,012 |
| Net loans and leases to total assets | 26.0800% | 4,508 |
| Net loans and leases to deposits | 27.4517% | 4,546 |
| Net loans and leases to core deposits | 27.9735% | 4,540 |
| Total domestic deposits to total assets | 95.0000% | 222 |
| Equity capital to assets | 4.7525% | 4,337 |
| Core capital (leverage) ratio | 10.7539% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5795% | 214 |
| Memoranda: | ||
| Average total assets | $260,081,000 | 2,685 |
| Average earning assets | $245,273,250 | 2,660 |
| Average equity | $16,555,500 | 3,269 |
| Average total loans | $69,115,750 | 3,606 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5687% | 4,306 |
| Cost of funding earning assets | 0.1431% | 3,666 |
| Net interest margin | 2.4256% | 4,193 |
| Noninterest income to average assets | 0.4139% | 2,669 |
| Noninterest expense to average assets | 1.8044% | 3,941 |
| Loan and lease loss provision to assets | 0.0180% | 2,279 |
| Net operating income to assets | 0.8403% | 2,816 |
| Return on assets (ROA) | 0.8403% | 2,789 |
| Pretax return on assets | 0.8771% | 3,127 |
| Return on Equity (ROE) | 12.0996% | 1,643 |
| Retained earnings to average equity (ytd only) | 9.2778% | 1,204 |
| Net charge-offs to loans | 0.0383% | 999 |
| Credit loss provision to net charge-offs | 176.9231% | 1,027 |
| Earnings coverage of net charge-offs (x) | 87.8462% | 880 |
| Efficiency ratio | 66.8409% | 2,399 |
| Assets per employee ($millions) | 5.2944% | 3,436 |
| Cash dividends to net income (ytd only)* | 23.3209% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 989 |
| Loan loss allowance to noncurrent loans | 189.7227% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 2,095 |
| Noncurrent loans to loans | 0.8867% | 951 |
| Net loans and leases to total assets | 27.3161% | 4,530 |
| Net loans and leases to deposits | 28.4210% | 4,580 |
| Net loans and leases to core deposits | 29.0297% | 4,583 |
| Total domestic deposits to total assets | 96.1123% | 79 |
| Equity capital to assets | 3.5437% | 4,661 |
| Core capital (leverage) ratio | 11.3864% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7890% | 196 |
| Memoranda: | ||
| Average total assets | $255,153,667 | 2,738 |
| Average earning assets | $240,430,667 | 2,720 |
| Average equity | $17,719,667 | 3,260 |
| Average total loans | $67,874,333 | 3,659 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4844% | 4,286 |
| Cost of funding earning assets | 0.1429% | 3,590 |
| Net interest margin | 2.3416% | 4,167 |
| Noninterest income to average assets | 0.3593% | 2,939 |
| Noninterest expense to average assets | 1.7607% | 4,031 |
| Loan and lease loss provision to assets | 0.0294% | 1,839 |
| Net operating income to assets | 0.7448% | 2,873 |
| Return on assets (ROA) | 0.7448% | 2,868 |
| Pretax return on assets | 0.7774% | 3,181 |
| Return on Equity (ROE) | 8.6782% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.6782% | 1,375 |
| Net charge-offs to loans | 0.0476% | 814 |
| Credit loss provision to net charge-offs | 237.5000% | 733 |
| Earnings coverage of net charge-offs (x) | 65.1250% | 825 |
| Efficiency ratio | 68.5766% | 2,432 |
| Assets per employee ($millions) | 5.1961% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 1,052 |
| Loan loss allowance to noncurrent loans | 164.1749% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 2,014 |
| Noncurrent loans to loans | 1.0367% | 870 |
| Net loans and leases to total assets | 26.4027% | 4,550 |
| Net loans and leases to deposits | 28.3631% | 4,591 |
| Net loans and leases to core deposits | 28.9147% | 4,598 |
| Total domestic deposits to total assets | 93.0883% | 252 |
| Equity capital to assets | 6.6749% | 4,356 |
| Core capital (leverage) ratio | 11.3564% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6171% | 181 |
| Memoranda: | ||
| Average total assets | $258,311,000 | 2,733 |
| Average earning assets | $243,597,500 | 2,715 |
| Average equity | $22,170,500 | 2,974 |
| Average total loans | $67,243,500 | 3,673 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6040% | 4,405 |
| Cost of funding earning assets | 0.2098% | 3,368 |
| Net interest margin | 2.3941% | 4,329 |
| Noninterest income to average assets | 0.3815% | 3,157 |
| Noninterest expense to average assets | 1.7422% | 4,238 |
| Loan and lease loss provision to assets | 0.0257% | 2,545 |
| Net operating income to assets | 0.8340% | 3,223 |
| Return on assets (ROA) | 0.8371% | 3,290 |
| Pretax return on assets | 0.8746% | 3,559 |
| Return on Equity (ROE) | 7.3420% | 3,427 |
| Retained earnings to average equity (ytd only) | 3.6639% | 3,357 |
| Net charge-offs to loans | 0.0316% | 1,608 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 104.9048% | 863 |
| Efficiency ratio | 66.0136% | 2,257 |
| Assets per employee ($millions) | 5.3472% | 3,420 |
| Cash dividends to net income (ytd only)* | 50.0973% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 957 |
| Loan loss allowance to noncurrent loans | 156.0217% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 2,132 |
| Noncurrent loans to loans | 1.1180% | 866 |
| Net loans and leases to total assets | 24.7874% | 4,652 |
| Net loans and leases to deposits | 27.7357% | 4,662 |
| Net loans and leases to core deposits | 28.1837% | 4,670 |
| Total domestic deposits to total assets | 89.3700% | 1,313 |
| Equity capital to assets | 10.4369% | 2,233 |
| Core capital (leverage) ratio | 11.5655% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8774% | 188 |
| Memoranda: | ||
| Average total assets | $245,604,400 | 2,761 |
| Average earning assets | $231,607,400 | 2,734 |
| Average equity | $28,003,200 | 2,650 |
| Average total loans | $66,378,000 | 3,720 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5883% | 4,508 |
| Cost of funding earning assets | 0.2238% | 3,387 |
| Net interest margin | 2.3645% | 4,434 |
| Noninterest income to average assets | 0.3848% | 3,177 |
| Noninterest expense to average assets | 1.7606% | 4,242 |
| Loan and lease loss provision to assets | 0.0203% | 2,587 |
| Net operating income to assets | 0.8016% | 3,518 |
| Return on assets (ROA) | 0.8016% | 3,592 |
| Pretax return on assets | 0.8375% | 3,823 |
| Return on Equity (ROE) | 6.8730% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.8909% | 3,610 |
| Net charge-offs to loans | 0.0863% | 825 |
| Credit loss provision to net charge-offs | 86.0465% | 1,686 |
| Earnings coverage of net charge-offs (x) | 36.1395% | 1,431 |
| Efficiency ratio | 67.2359% | 1,933 |
| Assets per employee ($millions) | 5.3341% | 3,373 |
| Cash dividends to net income (ytd only)* | 43.3884% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,303 |
| Loan loss allowance to noncurrent loans | 85.3941% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 1,514 |
| Noncurrent loans to loans | 1.8902% | 483 |
| Net loans and leases to total assets | 26.3061% | 4,695 |
| Net loans and leases to deposits | 29.6655% | 4,707 |
| Net loans and leases to core deposits | 30.5872% | 4,717 |
| Total domestic deposits to total assets | 88.6759% | 1,473 |
| Equity capital to assets | 11.0831% | 1,954 |
| Core capital (leverage) ratio | 11.7178% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4832% | 223 |
| Memoranda: | ||
| Average total assets | $241,502,500 | 2,803 |
| Average earning assets | $228,147,750 | 2,776 |
| Average equity | $28,167,500 | 2,671 |
| Average total loans | $66,447,750 | 3,770 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6097% | 4,540 |
| Cost of funding earning assets | 0.2391% | 3,383 |
| Net interest margin | 2.3706% | 4,450 |
| Noninterest income to average assets | 0.3854% | 3,191 |
| Noninterest expense to average assets | 1.7925% | 4,202 |
| Loan and lease loss provision to assets | 0.0118% | 2,706 |
| Net operating income to assets | 0.7750% | 3,585 |
| Return on assets (ROA) | 0.7750% | 3,643 |
| Pretax return on assets | 0.8096% | 3,848 |
| Return on Equity (ROE) | 6.5272% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.5377% | 3,674 |
| Net charge-offs to loans | 0.1064% | 712 |
| Credit loss provision to net charge-offs | 40.0000% | 1,658 |
| Earnings coverage of net charge-offs (x) | 27.7714% | 1,353 |
| Efficiency ratio | 68.5742% | 1,810 |
| Assets per employee ($millions) | 5.2479% | 3,408 |
| Cash dividends to net income (ytd only)* | 45.8015% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,150 |
| Loan loss allowance to noncurrent loans | 110.7724% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 2,008 |
| Noncurrent loans to loans | 1.4983% | 757 |
| Net loans and leases to total assets | 26.1846% | 4,746 |
| Net loans and leases to deposits | 29.6474% | 4,759 |
| Net loans and leases to core deposits | 30.5899% | 4,768 |
| Total domestic deposits to total assets | 88.3200% | 1,659 |
| Equity capital to assets | 11.4096% | 1,688 |
| Core capital (leverage) ratio | 12.0938% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7821% | 123 |
| Memoranda: | ||
| Average total assets | $236,657,000 | 2,832 |
| Average earning assets | $222,474,667 | 2,816 |
| Average equity | $28,097,667 | 2,667 |
| Average total loans | $65,777,333 | 3,800 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6020% | 4,569 |
| Cost of funding earning assets | 0.2491% | 3,481 |
| Net interest margin | 2.3529% | 4,466 |
| Noninterest income to average assets | 0.3591% | 3,292 |
| Noninterest expense to average assets | 1.8216% | 4,167 |
| Loan and lease loss provision to assets | 0.0035% | 2,706 |
| Net operating income to assets | 0.7045% | 3,693 |
| Return on assets (ROA) | 0.7045% | 3,755 |
| Pretax return on assets | 0.7356% | 3,940 |
| Return on Equity (ROE) | 5.8129% | 3,912 |
| Retained earnings to average equity (ytd only) | 2.8210% | 3,835 |
| Net charge-offs to loans | 0.0243% | 1,264 |
| Credit loss provision to net charge-offs | 50.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 595 |
| Efficiency ratio | 71.1396% | 1,592 |
| Assets per employee ($millions) | 4.9330% | 3,728 |
| Cash dividends to net income (ytd only)* | 51.4706% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 1,036 |
| Loan loss allowance to noncurrent loans | 102.4007% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 2,023 |
| Noncurrent loans to loans | 1.6660% | 721 |
| Net loans and leases to total assets | 26.9852% | 4,771 |
| Net loans and leases to deposits | 30.4892% | 4,790 |
| Net loans and leases to core deposits | 31.4316% | 4,793 |
| Total domestic deposits to total assets | 88.5072% | 1,603 |
| Equity capital to assets | 11.2492% | 1,685 |
| Core capital (leverage) ratio | 12.5867% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.0689% | 126 |
| Memoranda: | ||
| Average total assets | $231,659,000 | 2,853 |
| Average earning assets | $216,753,500 | 2,842 |
| Average equity | $28,075,500 | 2,664 |
| Average total loans | $65,828,500 | 3,817 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9626% | 4,661 |
| Cost of funding earning assets | 0.3087% | 4,094 |
| Net interest margin | 2.6539% | 4,435 |
| Noninterest income to average assets | 0.4195% | 3,015 |
| Noninterest expense to average assets | 1.9429% | 4,244 |
| Loan and lease loss provision to assets | 0.0537% | 3,698 |
| Net operating income to assets | 0.8824% | 2,770 |
| Return on assets (ROA) | 0.9007% | 2,826 |
| Pretax return on assets | 0.9411% | 3,249 |
| Return on Equity (ROE) | 6.4848% | 3,414 |
| Retained earnings to average equity (ytd only) | 2.4660% | 3,621 |
| Net charge-offs to loans | 0.0888% | 1,569 |
| Credit loss provision to net charge-offs | 185.2459% | 2,238 |
| Earnings coverage of net charge-offs (x) | 33.6721% | 1,513 |
| Efficiency ratio | 66.5690% | 2,436 |
| Assets per employee ($millions) | 4.7195% | 3,701 |
| Cash dividends to net income (ytd only)* | 61.9726% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 1,121 |
| Loan loss allowance to noncurrent loans | 103.5415% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 2,141 |
| Noncurrent loans to loans | 1.6099% | 820 |
| Net loans and leases to total assets | 28.9318% | 4,778 |
| Net loans and leases to deposits | 33.4161% | 4,799 |
| Net loans and leases to core deposits | 34.5850% | 4,794 |
| Total domestic deposits to total assets | 86.5805% | 2,118 |
| Equity capital to assets | 13.0288% | 1,076 |
| Core capital (leverage) ratio | 12.8041% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.9662% | 119 |
| Memoranda: | ||
| Average total assets | $210,509,000 | 2,855 |
| Average earning assets | $198,239,600 | 2,843 |
| Average equity | $29,237,800 | 2,522 |
| Average total loans | $68,673,400 | 3,765 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0065% | 4,727 |
| Cost of funding earning assets | 0.3157% | 4,239 |
| Net interest margin | 2.6907% | 4,478 |
| Noninterest income to average assets | 0.4313% | 2,928 |
| Noninterest expense to average assets | 1.9764% | 4,203 |
| Loan and lease loss provision to assets | 0.0634% | 3,546 |
| Net operating income to assets | 0.8990% | 2,713 |
| Return on assets (ROA) | 0.9201% | 2,756 |
| Pretax return on assets | 0.9614% | 3,195 |
| Return on Equity (ROE) | 6.5137% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.9712% | 3,533 |
| Net charge-offs to loans | 0.1041% | 1,276 |
| Credit loss provision to net charge-offs | 181.4815% | 2,179 |
| Earnings coverage of net charge-offs (x) | 28.7593% | 1,625 |
| Efficiency ratio | 66.3416% | 2,424 |
| Assets per employee ($millions) | 4.6332% | 3,678 |
| Cash dividends to net income (ytd only)* | 54.3860% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 1,157 |
| Loan loss allowance to noncurrent loans | 100.3640% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 2,227 |
| Noncurrent loans to loans | 1.5753% | 900 |
| Net loans and leases to total assets | 30.8737% | 4,802 |
| Net loans and leases to deposits | 35.7995% | 4,825 |
| Net loans and leases to core deposits | 36.8317% | 4,836 |
| Total domestic deposits to total assets | 86.2406% | 1,963 |
| Equity capital to assets | 13.4757% | 1,010 |
| Core capital (leverage) ratio | 13.1281% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.5693% | 116 |
| Memoranda: | ||
| Average total assets | $206,502,250 | 2,870 |
| Average earning assets | $195,529,750 | 2,850 |
| Average equity | $29,168,500 | 2,517 |
| Average total loans | $69,178,750 | 3,763 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0766% | 4,799 |
| Cost of funding earning assets | 0.3261% | 4,377 |
| Net interest margin | 2.7505% | 4,506 |
| Noninterest income to average assets | 0.4244% | 2,945 |
| Noninterest expense to average assets | 2.0099% | 4,218 |
| Loan and lease loss provision to assets | 0.0467% | 3,716 |
| Net operating income to assets | 0.9311% | 2,578 |
| Return on assets (ROA) | 0.9632% | 2,576 |
| Pretax return on assets | 1.0089% | 2,994 |
| Return on Equity (ROE) | 6.7055% | 3,249 |
| Retained earnings to average equity (ytd only) | 3.0725% | 3,357 |
| Net charge-offs to loans | 0.0145% | 2,460 |
| Credit loss provision to net charge-offs | 940.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 205.6000% | 434 |
| Efficiency ratio | 66.2951% | 2,472 |
| Assets per employee ($millions) | 4.6893% | 3,543 |
| Cash dividends to net income (ytd only)* | 54.1796% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,012 |
| Loan loss allowance to noncurrent loans | 95.4939% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,133 |
| Noncurrent loans to loans | 1.6756% | 865 |
| Net loans and leases to total assets | 31.4172% | 4,832 |
| Net loans and leases to deposits | 36.6010% | 4,850 |
| Net loans and leases to core deposits | 37.6928% | 4,861 |
| Total domestic deposits to total assets | 85.8368% | 2,085 |
| Equity capital to assets | 13.8665% | 886 |
| Core capital (leverage) ratio | 13.7592% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5321% | 109 |
| Memoranda: | ||
| Average total assets | $201,205,333 | 2,891 |
| Average earning assets | $190,730,000 | 2,868 |
| Average equity | $28,901,667 | 2,525 |
| Average total loans | $68,983,667 | 3,774 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2809% | 4,827 |
| Cost of funding earning assets | 0.3512% | 4,513 |
| Net interest margin | 2.9296% | 4,387 |
| Noninterest income to average assets | 0.4537% | 2,771 |
| Noninterest expense to average assets | 2.0768% | 4,267 |
| Loan and lease loss provision to assets | 0.0351% | 3,329 |
| Net operating income to assets | 1.0628% | 1,956 |
| Return on assets (ROA) | 1.1302% | 1,856 |
| Pretax return on assets | 1.1817% | 2,261 |
| Return on Equity (ROE) | 7.7191% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.8455% | 2,738 |
| Net charge-offs to loans | 0.0463% | 1,556 |
| Credit loss provision to net charge-offs | 212.5000% | 1,385 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 729 |
| Efficiency ratio | 64.4274% | 3,168 |
| Assets per employee ($millions) | 4.0404% | 3,865 |
| Cash dividends to net income (ytd only)* | 50.1825% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,178 |
| Loan loss allowance to noncurrent loans | 90.5085% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6213% | 2,150 |
| Noncurrent loans to loans | 1.7178% | 881 |
| Net loans and leases to total assets | 34.1580% | 4,830 |
| Net loans and leases to deposits | 40.0571% | 4,835 |
| Net loans and leases to core deposits | 41.5072% | 4,851 |
| Total domestic deposits to total assets | 85.2733% | 2,301 |
| Equity capital to assets | 14.4439% | 914 |
| Core capital (leverage) ratio | 14.6097% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.8795% | 105 |
| Memoranda: | ||
| Average total assets | $193,954,500 | 2,917 |
| Average earning assets | $183,367,000 | 2,889 |
| Average equity | $28,397,000 | 2,547 |
| Average total loans | $69,040,000 | 3,781 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 4,844 |
| Cost of funding earning assets | 0.3386% | 4,627 |
| Net interest margin | 3.1809% | 4,233 |
| Noninterest income to average assets | 0.5064% | 2,695 |
| Noninterest expense to average assets | 2.1200% | 4,322 |
| Loan and lease loss provision to assets | 0.0361% | 3,289 |
| Net operating income to assets | 1.3062% | 1,664 |
| Return on assets (ROA) | 1.3082% | 1,737 |
| Pretax return on assets | 1.3665% | 2,279 |
| Return on Equity (ROE) | 9.1154% | 2,702 |
| Retained earnings to average equity (ytd only) | 4.8662% | 2,490 |
| Net charge-offs to loans | 0.1308% | 1,461 |
| Credit loss provision to net charge-offs | 76.4045% | 2,836 |
| Earnings coverage of net charge-offs (x) | 29.6742% | 1,592 |
| Efficiency ratio | 60.2199% | 3,659 |
| Assets per employee ($millions) | 3.9569% | 3,953 |
| Cash dividends to net income (ytd only)* | 46.6153% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,154 |
| Loan loss allowance to noncurrent loans | 84.6523% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 1,885 |
| Noncurrent loans to loans | 1.8030% | 746 |
| Net loans and leases to total assets | 35.9750% | 4,839 |
| Net loans and leases to deposits | 42.3762% | 4,864 |
| Net loans and leases to core deposits | 43.9835% | 4,875 |
| Total domestic deposits to total assets | 84.8944% | 2,538 |
| Equity capital to assets | 14.8466% | 834 |
| Core capital (leverage) ratio | 14.6433% | 765 |
| Tier 1 risk-based capital ratio | 47.1308% | 157 |
| Total risk-based capital ratio | 48.3868% | 155 |
| Memoranda: | ||
| Average total assets | $188,581,600 | 2,930 |
| Average earning assets | $178,689,600 | 2,897 |
| Average equity | $27,064,200 | 2,559 |
| Average total loans | $68,025,800 | 3,810 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5486% | 4,923 |
| Cost of funding earning assets | 0.3306% | 4,720 |
| Net interest margin | 3.2181% | 4,259 |
| Noninterest income to average assets | 0.5121% | 2,655 |
| Noninterest expense to average assets | 2.0873% | 4,384 |
| Loan and lease loss provision to assets | 0.0404% | 3,100 |
| Net operating income to assets | 1.3713% | 1,570 |
| Return on assets (ROA) | 1.3741% | 1,628 |
| Pretax return on assets | 1.4350% | 2,175 |
| Return on Equity (ROE) | 9.6584% | 2,592 |
| Retained earnings to average equity (ytd only) | 5.9245% | 2,408 |
| Net charge-offs to loans | 0.1556% | 1,063 |
| Credit loss provision to net charge-offs | 72.1519% | 2,595 |
| Earnings coverage of net charge-offs (x) | 26.3166% | 1,746 |
| Efficiency ratio | 58.6351% | 3,845 |
| Assets per employee ($millions) | 3.8745% | 4,062 |
| Cash dividends to net income (ytd only)* | 38.6600% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 1,139 |
| Loan loss allowance to noncurrent loans | 109.0722% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 2,316 |
| Noncurrent loans to loans | 1.4112% | 1,080 |
| Net loans and leases to total assets | 35.6472% | 4,950 |
| Net loans and leases to deposits | 42.0877% | 4,957 |
| Net loans and leases to core deposits | 43.6851% | 4,968 |
| Total domestic deposits to total assets | 84.6976% | 2,539 |
| Equity capital to assets | 14.8842% | 873 |
| Core capital (leverage) ratio | 14.8393% | 773 |
| Tier 1 risk-based capital ratio | 48.4762% | 146 |
| Total risk-based capital ratio | 49.7340% | 144 |
| Memoranda: | ||
| Average total assets | $188,244,750 | 2,958 |
| Average earning assets | $178,280,750 | 2,925 |
| Average equity | $26,780,750 | 2,592 |
| Average total loans | $67,685,750 | 3,864 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 4,972 |
| Cost of funding earning assets | 0.3202% | 4,769 |
| Net interest margin | 3.2316% | 4,286 |
| Noninterest income to average assets | 0.5104% | 2,621 |
| Noninterest expense to average assets | 2.0862% | 4,438 |
| Loan and lease loss provision to assets | 0.0384% | 3,048 |
| Net operating income to assets | 1.3883% | 1,462 |
| Return on assets (ROA) | 1.3883% | 1,520 |
| Pretax return on assets | 1.4501% | 2,030 |
| Return on Equity (ROE) | 9.9131% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.1092% | 2,233 |
| Net charge-offs to loans | 0.0594% | 1,799 |
| Credit loss provision to net charge-offs | 180.0000% | 1,315 |
| Earnings coverage of net charge-offs (x) | 69.8500% | 895 |
| Efficiency ratio | 58.3607% | 3,960 |
| Assets per employee ($millions) | 3.7985% | 4,129 |
| Cash dividends to net income (ytd only)* | 38.3730% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 993 |
| Loan loss allowance to noncurrent loans | 84.4376% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 1,814 |
| Noncurrent loans to loans | 1.9161% | 763 |
| Net loans and leases to total assets | 35.0895% | 5,005 |
| Net loans and leases to deposits | 41.2164% | 5,022 |
| Net loans and leases to core deposits | 42.8686% | 5,027 |
| Total domestic deposits to total assets | 85.1347% | 2,419 |
| Equity capital to assets | 14.5278% | 941 |
| Core capital (leverage) ratio | 14.6257% | 791 |
| Tier 1 risk-based capital ratio | 36.9033% | 296 |
| Total risk-based capital ratio | 38.1565% | 290 |
| Memoranda: | ||
| Average total assets | $187,709,000 | 2,973 |
| Average earning assets | $177,992,330 | 2,939 |
| Average equity | $26,288,330 | 2,616 |
| Average total loans | $67,336,000 | 3,897 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 5,012 |
| Cost of funding earning assets | 0.3141% | 4,804 |
| Net interest margin | 3.2206% | 4,345 |
| Noninterest income to average assets | 0.4737% | 2,712 |
| Noninterest expense to average assets | 2.0386% | 4,580 |
| Loan and lease loss provision to assets | 0.0386% | 2,857 |
| Net operating income to assets | 1.3891% | 1,406 |
| Return on assets (ROA) | 1.3891% | 1,442 |
| Pretax return on assets | 1.4512% | 1,917 |
| Return on Equity (ROE) | 10.1106% | 2,322 |
| Retained earnings to average equity (ytd only) | 6.2099% | 2,361 |
| Net charge-offs to loans | 0.0298% | 1,859 |
| Credit loss provision to net charge-offs | 360.0000% | 745 |
| Earnings coverage of net charge-offs (x) | 139.0000% | 536 |
| Efficiency ratio | 57.7764% | 4,112 |
| Assets per employee ($millions) | 3.7794% | 4,225 |
| Cash dividends to net income (ytd only)* | 38.5802% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,011 |
| Loan loss allowance to noncurrent loans | 74.9657% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 1,747 |
| Noncurrent loans to loans | 2.1724% | 658 |
| Net loans and leases to total assets | 34.9371% | 5,051 |
| Net loans and leases to deposits | 40.7487% | 5,068 |
| Net loans and leases to core deposits | 42.2372% | 5,073 |
| Total domestic deposits to total assets | 85.7380% | 2,391 |
| Equity capital to assets | 13.9349% | 1,066 |
| Core capital (leverage) ratio | 14.6632% | 774 |
| Tier 1 risk-based capital ratio | 36.7093% | 285 |
| Total risk-based capital ratio | 37.9623% | 281 |
| Memoranda: | ||
| Average total assets | $186,600,500 | 3,018 |
| Average earning assets | $176,987,500 | 2,985 |
| Average equity | $25,636,500 | 2,670 |
| Average total loans | $67,134,000 | 3,941 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 5,018 |
| Cost of funding earning assets | 0.2658% | 4,732 |
| Net interest margin | 3.1216% | 4,619 |
| Noninterest income to average assets | 0.5561% | 2,514 |
| Noninterest expense to average assets | 2.0873% | 4,591 |
| Loan and lease loss provision to assets | 0.0406% | 3,379 |
| Net operating income to assets | 1.3239% | 1,702 |
| Return on assets (ROA) | 1.3244% | 1,695 |
| Pretax return on assets | 1.3856% | 2,189 |
| Return on Equity (ROE) | 10.0197% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.8993% | 2,826 |
| Net charge-offs to loans | 0.0185% | 3,081 |
| Credit loss provision to net charge-offs | 625.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 219.4167% | 420 |
| Efficiency ratio | 59.4174% | 3,958 |
| Assets per employee ($millions) | 4.0050% | 3,887 |
| Cash dividends to net income (ytd only)* | 51.1038% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 1,015 |
| Loan loss allowance to noncurrent loans | 77.1980% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 1,740 |
| Noncurrent loans to loans | 2.0833% | 640 |
| Net loans and leases to total assets | 35.8650% | 5,068 |
| Net loans and leases to deposits | 41.7635% | 5,086 |
| Net loans and leases to core deposits | 43.2574% | 5,094 |
| Total domestic deposits to total assets | 85.8764% | 2,293 |
| Equity capital to assets | 13.5374% | 1,131 |
| Core capital (leverage) ratio | 14.4647% | 809 |
| Tier 1 risk-based capital ratio | 36.1582% | 293 |
| Total risk-based capital ratio | 37.4108% | 289 |
| Memoranda: | ||
| Average total assets | $184,684,400 | 3,009 |
| Average earning assets | $174,941,800 | 2,981 |
| Average equity | $24,411,800 | 2,688 |
| Average total loans | $65,032,400 | 3,985 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3257% | 5,105 |
| Cost of funding earning assets | 0.2620% | 4,719 |
| Net interest margin | 3.0637% | 4,765 |
| Noninterest income to average assets | 0.5534% | 2,550 |
| Noninterest expense to average assets | 2.0144% | 4,713 |
| Loan and lease loss provision to assets | 0.0397% | 3,208 |
| Net operating income to assets | 1.3413% | 1,699 |
| Return on assets (ROA) | 1.3420% | 1,706 |
| Pretax return on assets | 1.4019% | 2,226 |
| Return on Equity (ROE) | 10.2140% | 2,522 |
| Retained earnings to average equity (ytd only) | 5.5463% | 2,930 |
| Net charge-offs to loans | 0.0145% | 2,905 |
| Credit loss provision to net charge-offs | 785.7143% | 493 |
| Earnings coverage of net charge-offs (x) | 285.3805% | 319 |
| Efficiency ratio | 58.3003% | 4,072 |
| Assets per employee ($millions) | 4.0590% | 3,797 |
| Cash dividends to net income (ytd only)* | 45.6991% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,047 |
| Loan loss allowance to noncurrent loans | 91.0256% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 2,141 |
| Noncurrent loans to loans | 1.7728% | 872 |
| Net loans and leases to total assets | 34.7776% | 5,183 |
| Net loans and leases to deposits | 40.0899% | 5,202 |
| Net loans and leases to core deposits | 41.0956% | 5,219 |
| Total domestic deposits to total assets | 86.7491% | 1,846 |
| Equity capital to assets | 12.8862% | 1,385 |
| Core capital (leverage) ratio | 14.3347% | 854 |
| Tier 1 risk-based capital ratio | 36.2166% | 294 |
| Total risk-based capital ratio | 37.4690% | 290 |
| Memoranda: | ||
| Average total assets | $184,798,000 | 3,030 |
| Average earning assets | $175,034,750 | 2,995 |
| Average equity | $24,279,750 | 2,712 |
| Average total loans | $64,502,000 | 4,030 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 5,165 |
| Cost of funding earning assets | 0.2618% | 4,690 |
| Net interest margin | 3.0101% | 4,863 |
| Noninterest income to average assets | 0.5604% | 2,515 |
| Noninterest expense to average assets | 2.0070% | 4,786 |
| Loan and lease loss provision to assets | 0.0380% | 3,148 |
| Net operating income to assets | 1.3043% | 1,756 |
| Return on assets (ROA) | 1.3054% | 1,746 |
| Pretax return on assets | 1.3629% | 2,282 |
| Return on Equity (ROE) | 9.8715% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.7652% | 2,690 |
| Net charge-offs to loans | 0.0656% | 1,686 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 61.3810% | 983 |
| Efficiency ratio | 58.9098% | 4,102 |
| Assets per employee ($millions) | 3.9059% | 4,047 |
| Cash dividends to net income (ytd only)* | 41.5973% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 1,103 |
| Loan loss allowance to noncurrent loans | 86.4933% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 1,993 |
| Noncurrent loans to loans | 1.8525% | 836 |
| Net loans and leases to total assets | 33.7704% | 5,244 |
| Net loans and leases to deposits | 38.9647% | 5,273 |
| Net loans and leases to core deposits | 39.9648% | 5,282 |
| Total domestic deposits to total assets | 86.6690% | 1,986 |
| Equity capital to assets | 12.9768% | 1,303 |
| Core capital (leverage) ratio | 14.2852% | 828 |
| Tier 1 risk-based capital ratio | 36.1268% | 300 |
| Total risk-based capital ratio | 37.3784% | 291 |
| Memoranda: | ||
| Average total assets | $184,160,000 | 3,055 |
| Average earning assets | $174,149,330 | 3,017 |
| Average equity | $24,353,000 | 2,720 |
| Average total loans | $64,003,000 | 4,068 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2053% | 5,230 |
| Cost of funding earning assets | 0.2592% | 4,655 |
| Net interest margin | 2.9461% | 4,965 |
| Noninterest income to average assets | 0.5260% | 2,653 |
| Noninterest expense to average assets | 1.9923% | 4,866 |
| Loan and lease loss provision to assets | 0.0373% | 3,002 |
| Net operating income to assets | 1.2319% | 1,886 |
| Return on assets (ROA) | 1.2340% | 1,884 |
| Pretax return on assets | 1.2888% | 2,414 |
| Return on Equity (ROE) | 9.2428% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.1385% | 3,108 |
| Net charge-offs to loans | 0.0940% | 1,232 |
| Credit loss provision to net charge-offs | 113.3333% | 1,424 |
| Earnings coverage of net charge-offs (x) | 40.2667% | 1,064 |
| Efficiency ratio | 60.0793% | 4,055 |
| Assets per employee ($millions) | 4.1864% | 3,675 |
| Cash dividends to net income (ytd only)* | 44.4050% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5963% | 1,166 |
| Loan loss allowance to noncurrent loans | 81.8474% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 1,797 |
| Noncurrent loans to loans | 1.9503% | 830 |
| Net loans and leases to total assets | 34.1024% | 5,267 |
| Net loans and leases to deposits | 39.3652% | 5,279 |
| Net loans and leases to core deposits | 40.3366% | 5,299 |
| Total domestic deposits to total assets | 86.6309% | 2,263 |
| Equity capital to assets | 13.0596% | 1,210 |
| Core capital (leverage) ratio | 14.3048% | 808 |
| Tier 1 risk-based capital ratio | 35.4236% | 319 |
| Total risk-based capital ratio | 36.6748% | 318 |
| Memoranda: | ||
| Average total assets | $182,499,500 | 3,104 |
| Average earning assets | $172,841,000 | 3,060 |
| Average equity | $24,365,000 | 2,736 |
| Average total loans | $63,832,500 | 4,108 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2888% | 5,092 |
| Cost of funding earning assets | 0.2706% | 4,389 |
| Net interest margin | 3.0182% | 4,847 |
| Noninterest income to average assets | 0.5529% | 2,700 |
| Noninterest expense to average assets | 2.0677% | 4,843 |
| Loan and lease loss provision to assets | 0.0999% | 2,226 |
| Net operating income to assets | 1.1918% | 1,544 |
| Return on assets (ROA) | 1.1929% | 1,568 |
| Pretax return on assets | 1.2473% | 2,566 |
| Return on Equity (ROE) | 8.7690% | 2,421 |
| Retained earnings to average equity (ytd only) | 4.1784% | 2,661 |
| Net charge-offs to loans | 0.1340% | 1,717 |
| Credit loss provision to net charge-offs | 209.3023% | 1,304 |
| Earnings coverage of net charge-offs (x) | 28.1977% | 1,611 |
| Efficiency ratio | 60.5691% | 4,175 |
| Assets per employee ($millions) | 3.9304% | 4,074 |
| Cash dividends to net income (ytd only)* | 52.3499% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,157 |
| Loan loss allowance to noncurrent loans | 68.5310% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.0338% | 1,482 |
| Noncurrent loans to loans | 2.3250% | 604 |
| Net loans and leases to total assets | 34.7415% | 5,324 |
| Net loans and leases to deposits | 40.3645% | 5,334 |
| Net loans and leases to core deposits | 41.3964% | 5,350 |
| Total domestic deposits to total assets | 86.0695% | 2,400 |
| Equity capital to assets | 13.6473% | 1,005 |
| Core capital (leverage) ratio | 14.0157% | 829 |
| Tier 1 risk-based capital ratio | 34.8080% | 324 |
| Total risk-based capital ratio | 36.0620% | 318 |
| Memoranda: | ||
| Average total assets | $180,153,400 | 3,110 |
| Average earning assets | $170,761,600 | 3,063 |
| Average equity | $24,506,800 | 2,709 |
| Average total loans | $64,184,800 | 4,094 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 5,123 |
| Cost of funding earning assets | 0.2704% | 4,404 |
| Net interest margin | 3.0201% | 4,878 |
| Noninterest income to average assets | 0.5570% | 2,685 |
| Noninterest expense to average assets | 2.0311% | 4,889 |
| Loan and lease loss provision to assets | 0.1015% | 2,088 |
| Net operating income to assets | 1.2311% | 1,575 |
| Return on assets (ROA) | 1.2311% | 1,600 |
| Pretax return on assets | 1.2867% | 2,561 |
| Return on Equity (ROE) | 9.0576% | 2,571 |
| Retained earnings to average equity (ytd only) | 4.9702% | 2,906 |
| Net charge-offs to loans | 0.0767% | 2,045 |
| Credit loss provision to net charge-offs | 370.2703% | 828 |
| Earnings coverage of net charge-offs (x) | 50.6507% | 1,106 |
| Efficiency ratio | 59.4021% | 4,307 |
| Assets per employee ($millions) | 4.0721% | 3,865 |
| Cash dividends to net income (ytd only)* | 45.1267% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 1,293 |
| Loan loss allowance to noncurrent loans | 75.2759% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 1,901 |
| Noncurrent loans to loans | 2.0907% | 795 |
| Net loans and leases to total assets | 34.9148% | 5,386 |
| Net loans and leases to deposits | 40.6568% | 5,403 |
| Net loans and leases to core deposits | 41.6214% | 5,426 |
| Total domestic deposits to total assets | 85.8769% | 2,358 |
| Equity capital to assets | 13.8371% | 1,040 |
| Core capital (leverage) ratio | 14.0053% | 888 |
| Tier 1 risk-based capital ratio | 34.0668% | 351 |
| Total risk-based capital ratio | 35.3182% | 342 |
| Memoranda: | ||
| Average total assets | $179,992,250 | 3,136 |
| Average earning assets | $170,587,250 | 3,093 |
| Average equity | $24,465,000 | 2,734 |
| Average total loans | $64,273,750 | 4,126 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 5,121 |
| Cost of funding earning assets | 0.2726% | 4,355 |
| Net interest margin | 3.0185% | 4,870 |
| Noninterest income to average assets | 0.5701% | 2,601 |
| Noninterest expense to average assets | 2.0424% | 4,892 |
| Loan and lease loss provision to assets | 0.0794% | 2,397 |
| Net operating income to assets | 1.2520% | 1,432 |
| Return on assets (ROA) | 1.2520% | 1,456 |
| Pretax return on assets | 1.3079% | 2,354 |
| Return on Equity (ROE) | 9.2685% | 2,381 |
| Retained earnings to average equity (ytd only) | 5.1308% | 2,622 |
| Net charge-offs to loans | 0.0812% | 1,801 |
| Credit loss provision to net charge-offs | 273.0769% | 1,022 |
| Earnings coverage of net charge-offs (x) | 47.7308% | 1,111 |
| Efficiency ratio | 59.5502% | 4,391 |
| Assets per employee ($millions) | 3.8702% | 4,169 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 1,660 |
| Loan loss allowance to noncurrent loans | 70.7085% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9109% | 1,938 |
| Noncurrent loans to loans | 2.0877% | 794 |
| Net loans and leases to total assets | 35.5181% | 5,398 |
| Net loans and leases to deposits | 41.3978% | 5,410 |
| Net loans and leases to core deposits | 42.4474% | 5,440 |
| Total domestic deposits to total assets | 85.7971% | 2,475 |
| Equity capital to assets | 13.9000% | 998 |
| Core capital (leverage) ratio | 14.0466% | 851 |
| Tier 1 risk-based capital ratio | 33.5375% | 345 |
| Total risk-based capital ratio | 34.7876% | 342 |
| Memoranda: | ||
| Average total assets | $178,907,670 | 3,167 |
| Average earning assets | $169,486,000 | 3,116 |
| Average equity | $24,168,000 | 2,762 |
| Average total loans | $64,030,670 | 4,147 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 5,170 |
| Cost of funding earning assets | 0.2757% | 4,291 |
| Net interest margin | 2.9783% | 4,936 |
| Noninterest income to average assets | 0.5231% | 2,818 |
| Noninterest expense to average assets | 2.0495% | 4,939 |
| Loan and lease loss provision to assets | 0.0293% | 3,183 |
| Net operating income to assets | 1.2153% | 1,474 |
| Return on assets (ROA) | 1.2153% | 1,510 |
| Pretax return on assets | 1.2694% | 2,352 |
| Return on Equity (ROE) | 9.1317% | 2,349 |
| Retained earnings to average equity (ytd only) | 4.8962% | 2,950 |
| Net charge-offs to loans | 0.0885% | 1,462 |
| Credit loss provision to net charge-offs | 92.8571% | 1,674 |
| Earnings coverage of net charge-offs (x) | 41.1429% | 1,022 |
| Efficiency ratio | 61.2121% | 4,283 |
| Assets per employee ($millions) | 3.8808% | 4,210 |
| Cash dividends to net income (ytd only)* | 46.3822% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,896 |
| Loan loss allowance to noncurrent loans | 57.8419% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9562% | 1,920 |
| Noncurrent loans to loans | 2.4928% | 624 |
| Net loans and leases to total assets | 35.3027% | 5,433 |
| Net loans and leases to deposits | 40.9416% | 5,438 |
| Net loans and leases to core deposits | 41.9148% | 5,472 |
| Total domestic deposits to total assets | 86.2270% | 2,565 |
| Equity capital to assets | 13.4520% | 1,087 |
| Core capital (leverage) ratio | 14.0800% | 822 |
| Tier 1 risk-based capital ratio | 34.0557% | 353 |
| Total risk-based capital ratio | 35.3064% | 344 |
| Memoranda: | ||
| Average total assets | $177,412,000 | 3,212 |
| Average earning assets | $168,286,500 | 3,156 |
| Average equity | $23,610,000 | 2,833 |
| Average total loans | $63,258,500 | 4,198 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2019% | 5,301 |
| Cost of funding earning assets | 0.2839% | 4,221 |
| Net interest margin | 2.9180% | 5,102 |
| Noninterest income to average assets | 0.5195% | 3,102 |
| Noninterest expense to average assets | 2.0701% | 5,050 |
| Loan and lease loss provision to assets | 0.0879% | 2,605 |
| Net operating income to assets | 1.0820% | 1,975 |
| Return on assets (ROA) | 1.1332% | 1,852 |
| Pretax return on assets | 1.1836% | 2,749 |
| Return on Equity (ROE) | 8.0106% | 2,925 |
| Retained earnings to average equity (ytd only) | 3.8008% | 3,210 |
| Net charge-offs to loans | 0.2089% | 1,334 |
| Credit loss provision to net charge-offs | 125.0000% | 2,135 |
| Earnings coverage of net charge-offs (x) | 17.3226% | 2,055 |
| Efficiency ratio | 62.9527% | 4,113 |
| Assets per employee ($millions) | 3.8328% | 4,246 |
| Cash dividends to net income (ytd only)* | 52.5526% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,777 |
| Loan loss allowance to noncurrent loans | 69.3464% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 2,242 |
| Noncurrent loans to loans | 2.1271% | 819 |
| Net loans and leases to total assets | 34.9678% | 5,517 |
| Net loans and leases to deposits | 40.4054% | 5,536 |
| Net loans and leases to core deposits | 41.3579% | 5,561 |
| Total domestic deposits to total assets | 86.5423% | 2,356 |
| Equity capital to assets | 13.1622% | 1,187 |
| Core capital (leverage) ratio | 13.6154% | 929 |
| Tier 1 risk-based capital ratio | 33.7978% | 353 |
| Total risk-based capital ratio | 35.0482% | 345 |
| Memoranda: | ||
| Average total assets | $176,319,600 | 3,202 |
| Average earning assets | $167,306,800 | 3,149 |
| Average equity | $24,942,000 | 2,730 |
| Average total loans | $59,349,200 | 4,323 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 5,356 |
| Cost of funding earning assets | 0.2982% | 4,118 |
| Net interest margin | 2.9051% | 5,181 |
| Noninterest income to average assets | 0.5081% | 3,194 |
| Noninterest expense to average assets | 2.0591% | 5,090 |
| Loan and lease loss provision to assets | 0.0718% | 2,776 |
| Net operating income to assets | 1.0834% | 2,071 |
| Return on assets (ROA) | 1.1517% | 1,899 |
| Pretax return on assets | 1.2031% | 2,825 |
| Return on Equity (ROE) | 8.0021% | 3,004 |
| Retained earnings to average equity (ytd only) | 4.0615% | 3,409 |
| Net charge-offs to loans | 0.2642% | 883 |
| Credit loss provision to net charge-offs | 81.8966% | 2,637 |
| Earnings coverage of net charge-offs (x) | 13.7244% | 2,287 |
| Efficiency ratio | 63.1054% | 4,056 |
| Assets per employee ($millions) | 3.9880% | 3,988 |
| Cash dividends to net income (ytd only)* | 49.2451% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4362% | 2,037 |
| Loan loss allowance to noncurrent loans | 49.3764% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 2,056 |
| Noncurrent loans to loans | 2.9087% | 535 |
| Net loans and leases to total assets | 33.3079% | 5,647 |
| Net loans and leases to deposits | 39.1575% | 5,652 |
| Net loans and leases to core deposits | 40.0802% | 5,678 |
| Total domestic deposits to total assets | 85.0612% | 2,775 |
| Equity capital to assets | 14.5248% | 867 |
| Core capital (leverage) ratio | 13.7362% | 933 |
| Tier 1 risk-based capital ratio | 35.6395% | 317 |
| Total risk-based capital ratio | 36.8899% | 316 |
| Memoranda: | ||
| Average total assets | $176,322,500 | 3,222 |
| Average earning assets | $167,198,750 | 3,160 |
| Average equity | $25,376,000 | 2,699 |
| Average total loans | $58,543,000 | 4,373 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2256% | 5,397 |
| Cost of funding earning assets | 0.2935% | 4,208 |
| Net interest margin | 2.9321% | 5,206 |
| Noninterest income to average assets | 0.4872% | 3,280 |
| Noninterest expense to average assets | 2.0413% | 5,189 |
| Loan and lease loss provision to assets | 0.0810% | 2,518 |
| Net operating income to assets | 1.0981% | 1,963 |
| Return on assets (ROA) | 1.1639% | 1,827 |
| Pretax return on assets | 1.2152% | 2,725 |
| Return on Equity (ROE) | 8.1126% | 2,933 |
| Retained earnings to average equity (ytd only) | 4.1358% | 3,274 |
| Net charge-offs to loans | 0.3873% | 585 |
| Credit loss provision to net charge-offs | 63.3929% | 2,540 |
| Earnings coverage of net charge-offs (x) | 9.6071% | 2,404 |
| Efficiency ratio | 62.4433% | 4,276 |
| Assets per employee ($millions) | 4.0125% | 3,877 |
| Cash dividends to net income (ytd only)* | 49.0196% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,902 |
| Loan loss allowance to noncurrent loans | 54.3770% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 2,208 |
| Noncurrent loans to loans | 2.7386% | 585 |
| Net loans and leases to total assets | 31.8863% | 5,741 |
| Net loans and leases to deposits | 37.5500% | 5,757 |
| Net loans and leases to core deposits | 38.5780% | 5,777 |
| Total domestic deposits to total assets | 84.9169% | 2,916 |
| Equity capital to assets | 14.6090% | 843 |
| Core capital (leverage) ratio | 13.6940% | 906 |
| Tier 1 risk-based capital ratio | 35.9881% | 309 |
| Total risk-based capital ratio | 37.2373% | 303 |
| Memoranda: | ||
| Average total assets | $175,277,000 | 3,250 |
| Average earning assets | $166,297,000 | 3,188 |
| Average equity | $25,146,000 | 2,725 |
| Average total loans | $57,842,330 | 4,409 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 5,438 |
| Cost of funding earning assets | 0.2850% | 4,331 |
| Net interest margin | 2.9490% | 5,224 |
| Noninterest income to average assets | 0.4741% | 3,316 |
| Noninterest expense to average assets | 1.9675% | 5,401 |
| Loan and lease loss provision to assets | 0.1328% | 1,589 |
| Net operating income to assets | 1.1216% | 1,828 |
| Return on assets (ROA) | 1.1589% | 1,793 |
| Pretax return on assets | 1.2093% | 2,664 |
| Return on Equity (ROE) | 8.1537% | 2,827 |
| Retained earnings to average equity (ytd only) | 4.1252% | 3,424 |
| Net charge-offs to loans | 0.7080% | 299 |
| Credit loss provision to net charge-offs | 56.3107% | 2,000 |
| Earnings coverage of net charge-offs (x) | 5.5243% | 2,324 |
| Efficiency ratio | 60.1541% | 4,723 |
| Assets per employee ($millions) | 4.0168% | 3,917 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 2,071 |
| Loan loss allowance to noncurrent loans | 52.6414% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 2,177 |
| Noncurrent loans to loans | 2.8110% | 616 |
| Net loans and leases to total assets | 31.9071% | 5,783 |
| Net loans and leases to deposits | 37.3793% | 5,797 |
| Net loans and leases to core deposits | 38.4801% | 5,809 |
| Total domestic deposits to total assets | 85.3605% | 2,978 |
| Equity capital to assets | 14.2910% | 887 |
| Core capital (leverage) ratio | 13.8027% | 862 |
| Tier 1 risk-based capital ratio | 35.8404% | 309 |
| Total risk-based capital ratio | 37.0906% | 308 |
| Memoranda: | ||
| Average total assets | $174,641,000 | 3,272 |
| Average earning assets | $165,614,500 | 3,208 |
| Average equity | $24,823,000 | 2,761 |
| Average total loans | $58,190,500 | 4,433 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 5,228 |
| Cost of funding earning assets | 0.3028% | 4,213 |
| Net interest margin | 3.0651% | 4,993 |
| Noninterest income to average assets | 0.5153% | 3,228 |
| Noninterest expense to average assets | 2.1437% | 5,164 |
| Loan and lease loss provision to assets | 0.0547% | 3,220 |
| Net operating income to assets | 1.1676% | 1,678 |
| Return on assets (ROA) | 1.1739% | 1,728 |
| Pretax return on assets | 1.2263% | 2,565 |
| Return on Equity (ROE) | 8.1981% | 2,846 |
| Retained earnings to average equity (ytd only) | 3.8352% | 3,307 |
| Net charge-offs to loans | 0.1990% | 1,468 |
| Credit loss provision to net charge-offs | 75.4098% | 3,031 |
| Earnings coverage of net charge-offs (x) | 17.5574% | 2,065 |
| Efficiency ratio | 62.7154% | 4,493 |
| Assets per employee ($millions) | 4.1081% | 3,741 |
| Cash dividends to net income (ytd only)* | 53.2184% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,961 |
| Loan loss allowance to noncurrent loans | 152.4786% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,719 |
| Noncurrent loans to loans | 0.9892% | 2,359 |
| Net loans and leases to total assets | 33.7595% | 5,783 |
| Net loans and leases to deposits | 39.4446% | 5,791 |
| Net loans and leases to core deposits | 40.4465% | 5,807 |
| Total domestic deposits to total assets | 85.5872% | 2,825 |
| Equity capital to assets | 14.1346% | 886 |
| Core capital (leverage) ratio | 13.6777% | 913 |
| Tier 1 risk-based capital ratio | 33.8230% | 369 |
| Total risk-based capital ratio | 35.0729% | 364 |
| Memoranda: | ||
| Average total assets | $168,072,800 | 3,333 |
| Average earning assets | $159,180,400 | 3,264 |
| Average equity | $24,066,600 | 2,779 |
| Average total loans | $61,295,600 | 4,342 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 5,286 |
| Cost of funding earning assets | 0.3041% | 4,291 |
| Net interest margin | 3.0611% | 5,050 |
| Noninterest income to average assets | 0.5183% | 3,240 |
| Noninterest expense to average assets | 2.1394% | 5,192 |
| Loan and lease loss provision to assets | 0.0327% | 3,573 |
| Net operating income to assets | 1.1950% | 1,666 |
| Return on assets (ROA) | 1.2035% | 1,709 |
| Pretax return on assets | 1.2570% | 2,568 |
| Return on Equity (ROE) | 8.3768% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.2079% | 3,474 |
| Net charge-offs to loans | 0.2027% | 1,274 |
| Credit loss provision to net charge-offs | 43.6170% | 3,117 |
| Earnings coverage of net charge-offs (x) | 17.0638% | 2,079 |
| Efficiency ratio | 62.5496% | 4,483 |
| Assets per employee ($millions) | 4.0119% | 3,856 |
| Cash dividends to net income (ytd only)* | 49.7681% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 2,212 |
| Loan loss allowance to noncurrent loans | 119.5323% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 3,636 |
| Noncurrent loans to loans | 1.2440% | 2,052 |
| Net loans and leases to total assets | 33.3728% | 5,883 |
| Net loans and leases to deposits | 39.0716% | 5,897 |
| Net loans and leases to core deposits | 39.9997% | 5,917 |
| Total domestic deposits to total assets | 85.4143% | 2,821 |
| Equity capital to assets | 14.1979% | 946 |
| Core capital (leverage) ratio | 13.7040% | 945 |
| Tier 1 risk-based capital ratio | 34.7105% | 351 |
| Total risk-based capital ratio | 35.9609% | 353 |
| Memoranda: | ||
| Average total assets | $166,955,750 | 3,381 |
| Average earning assets | $158,285,250 | 3,309 |
| Average equity | $23,986,250 | 2,807 |
| Average total loans | $61,834,250 | 4,371 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3906% | 5,253 |
| Cost of funding earning assets | 0.3038% | 4,359 |
| Net interest margin | 3.0868% | 4,995 |
| Noninterest income to average assets | 0.5185% | 3,240 |
| Noninterest expense to average assets | 2.1538% | 5,215 |
| Loan and lease loss provision to assets | 0.0218% | 3,694 |
| Net operating income to assets | 1.2174% | 1,550 |
| Return on assets (ROA) | 1.2174% | 1,629 |
| Pretax return on assets | 1.2719% | 2,464 |
| Return on Equity (ROE) | 8.4392% | 2,829 |
| Retained earnings to average equity (ytd only) | 4.2406% | 3,333 |
| Net charge-offs to loans | 0.1429% | 1,643 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 23.7333% | 1,598 |
| Efficiency ratio | 62.4736% | 4,605 |
| Assets per employee ($millions) | 3.6606% | 4,515 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 2,540 |
| Loan loss allowance to noncurrent loans | 117.4770% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 3,703 |
| Noncurrent loans to loans | 1.2297% | 2,197 |
| Net loans and leases to total assets | 36.2207% | 5,807 |
| Net loans and leases to deposits | 42.2568% | 5,825 |
| Net loans and leases to core deposits | 43.1172% | 5,862 |
| Total domestic deposits to total assets | 85.7156% | 2,834 |
| Equity capital to assets | 13.9654% | 990 |
| Core capital (leverage) ratio | 13.8768% | 878 |
| Tier 1 risk-based capital ratio | 33.9110% | 393 |
| Total risk-based capital ratio | 35.1619% | 393 |
| Memoranda: | ||
| Average total assets | $165,103,670 | 3,421 |
| Average earning assets | $156,669,000 | 3,352 |
| Average equity | $23,817,330 | 2,829 |
| Average total loans | $62,965,330 | 4,373 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 5,226 |
| Cost of funding earning assets | 0.3051% | 4,386 |
| Net interest margin | 3.0846% | 4,994 |
| Noninterest income to average assets | 0.4796% | 3,430 |
| Noninterest expense to average assets | 2.1803% | 5,203 |
| Loan and lease loss provision to assets | 0.0122% | 3,565 |
| Net operating income to assets | 1.1550% | 1,687 |
| Return on assets (ROA) | 1.1550% | 1,790 |
| Pretax return on assets | 1.2064% | 2,642 |
| Return on Equity (ROE) | 7.8772% | 3,019 |
| Retained earnings to average equity (ytd only) | 3.7049% | 3,788 |
| Net charge-offs to loans | 0.0315% | 2,558 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 99.6000% | 497 |
| Efficiency ratio | 64.1469% | 4,455 |
| Assets per employee ($millions) | 3.7598% | 4,405 |
| Cash dividends to net income (ytd only)* | 52.9661% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 2,666 |
| Loan loss allowance to noncurrent loans | 119.4553% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 3,734 |
| Noncurrent loans to loans | 1.2153% | 2,340 |
| Net loans and leases to total assets | 37.7929% | 5,729 |
| Net loans and leases to deposits | 44.5215% | 5,736 |
| Net loans and leases to core deposits | 45.5494% | 5,778 |
| Total domestic deposits to total assets | 84.8869% | 3,462 |
| Equity capital to assets | 14.7335% | 772 |
| Core capital (leverage) ratio | 14.0961% | 795 |
| Tier 1 risk-based capital ratio | 33.2073% | 417 |
| Total risk-based capital ratio | 34.4561% | 413 |
| Memoranda: | ||
| Average total assets | $163,462,000 | 3,460 |
| Average earning assets | $154,706,500 | 3,397 |
| Average equity | $23,968,000 | 2,831 |
| Average total loans | $63,505,500 | 4,379 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,944 |
| Cost of funding earning assets | 0.3300% | 4,491 |
| Net interest margin | 3.3165% | 4,520 |
| Noninterest income to average assets | 0.5668% | 3,074 |
| Noninterest expense to average assets | 2.3361% | 5,007 |
| Loan and lease loss provision to assets | 0.0506% | 3,551 |
| Net operating income to assets | 1.2547% | 1,418 |
| Return on assets (ROA) | 1.2802% | 1,400 |
| Pretax return on assets | 1.3377% | 2,114 |
| Return on Equity (ROE) | 9.1723% | 2,504 |
| Retained earnings to average equity (ytd only) | 2.4945% | 4,461 |
| Net charge-offs to loans | 0.2660% | 1,620 |
| Credit loss provision to net charge-offs | 49.3827% | 3,497 |
| Earnings coverage of net charge-offs (x) | 13.3025% | 2,277 |
| Efficiency ratio | 63.1750% | 4,726 |
| Assets per employee ($millions) | 3.7556% | 4,434 |
| Cash dividends to net income (ytd only)* | 72.8036% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 2,694 |
| Loan loss allowance to noncurrent loans | 249.8645% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 4,618 |
| Noncurrent loans to loans | 0.5805% | 3,928 |
| Net loans and leases to total assets | 38.7923% | 5,806 |
| Net loans and leases to deposits | 45.5803% | 5,811 |
| Net loans and leases to core deposits | 46.5572% | 5,866 |
| Total domestic deposits to total assets | 85.1075% | 3,244 |
| Equity capital to assets | 14.5903% | 786 |
| Core capital (leverage) ratio | 14.0226% | 810 |
| Tier 1 risk-based capital ratio | 31.6029% | 449 |
| Total risk-based capital ratio | 32.8530% | 439 |
| Memoranda: | ||
| Average total assets | $158,258,400 | 3,515 |
| Average earning assets | $149,403,800 | 3,453 |
| Average equity | $22,088,200 | 2,940 |
| Average total loans | $60,895,000 | 4,462 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,990 |
| Cost of funding earning assets | 0.3328% | 4,535 |
| Net interest margin | 3.3209% | 4,532 |
| Noninterest income to average assets | 0.5767% | 3,019 |
| Noninterest expense to average assets | 2.3313% | 5,023 |
| Loan and lease loss provision to assets | 0.0364% | 3,676 |
| Net operating income to assets | 1.2867% | 1,408 |
| Return on assets (ROA) | 1.2956% | 1,440 |
| Pretax return on assets | 1.3532% | 2,180 |
| Return on Equity (ROE) | 9.3921% | 2,502 |
| Retained earnings to average equity (ytd only) | 2.1792% | 4,968 |
| Net charge-offs to loans | 0.3586% | 1,126 |
| Credit loss provision to net charge-offs | 26.5432% | 3,502 |
| Earnings coverage of net charge-offs (x) | 10.0619% | 2,588 |
| Efficiency ratio | 62.8109% | 4,762 |
| Assets per employee ($millions) | 3.8244% | 4,234 |
| Cash dividends to net income (ytd only)* | 76.7975% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 2,925 |
| Loan loss allowance to noncurrent loans | 280.0633% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 4,688 |
| Noncurrent loans to loans | 0.5193% | 4,380 |
| Net loans and leases to total assets | 37.3313% | 5,974 |
| Net loans and leases to deposits | 43.7058% | 5,986 |
| Net loans and leases to core deposits | 44.3993% | 6,023 |
| Total domestic deposits to total assets | 85.4150% | 3,151 |
| Equity capital to assets | 14.1946% | 940 |
| Core capital (leverage) ratio | 14.0137% | 839 |
| Tier 1 risk-based capital ratio | 32.3724% | 427 |
| Total risk-based capital ratio | 33.6225% | 422 |
| Memoranda: | ||
| Average total assets | $157,450,250 | 3,555 |
| Average earning assets | $148,629,750 | 3,497 |
| Average equity | $21,719,750 | 2,981 |
| Average total loans | $60,226,750 | 4,523 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6871% | 4,901 |
| Cost of funding earning assets | 0.3363% | 4,574 |
| Net interest margin | 3.3508% | 4,398 |
| Noninterest income to average assets | 0.5870% | 2,882 |
| Noninterest expense to average assets | 2.3467% | 5,031 |
| Loan and lease loss provision to assets | 0.0256% | 3,769 |
| Net operating income to assets | 1.3165% | 1,260 |
| Return on assets (ROA) | 1.3300% | 1,276 |
| Pretax return on assets | 1.3888% | 1,935 |
| Return on Equity (ROE) | 9.7380% | 2,266 |
| Retained earnings to average equity (ytd only) | 1.0768% | 5,327 |
| Net charge-offs to loans | 0.3099% | 1,306 |
| Credit loss provision to net charge-offs | 21.5054% | 3,183 |
| Earnings coverage of net charge-offs (x) | 11.7742% | 2,121 |
| Efficiency ratio | 62.6280% | 4,921 |
| Assets per employee ($millions) | 3.7035% | 4,451 |
| Cash dividends to net income (ytd only)* | 88.9423% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 2,552 |
| Loan loss allowance to noncurrent loans | 190.7787% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5513% | 4,337 |
| Noncurrent loans to loans | 0.8267% | 3,637 |
| Net loans and leases to total assets | 36.4824% | 6,029 |
| Net loans and leases to deposits | 42.5827% | 6,045 |
| Net loans and leases to core deposits | 43.2622% | 6,102 |
| Total domestic deposits to total assets | 85.6743% | 3,206 |
| Equity capital to assets | 14.0042% | 967 |
| Core capital (leverage) ratio | 14.1720% | 779 |
| Tier 1 risk-based capital ratio | 32.7450% | 420 |
| Total risk-based capital ratio | 33.9966% | 411 |
| Memoranda: | ||
| Average total assets | $156,392,330 | 3,589 |
| Average earning assets | $147,486,670 | 3,526 |
| Average equity | $21,359,670 | 3,010 |
| Average total loans | $60,019,670 | 4,553 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,729 |
| Cost of funding earning assets | 0.3427% | 4,615 |
| Net interest margin | 3.3918% | 4,154 |
| Noninterest income to average assets | 0.5653% | 2,950 |
| Noninterest expense to average assets | 2.3877% | 4,964 |
| Loan and lease loss provision to assets | 0.0387% | 3,297 |
| Net operating income to assets | 1.2737% | 1,287 |
| Return on assets (ROA) | 1.3010% | 1,252 |
| Pretax return on assets | 1.3603% | 1,880 |
| Return on Equity (ROE) | 9.6512% | 2,178 |
| Retained earnings to average equity (ytd only) | -3.2745% | 5,990 |
| Net charge-offs to loans | 0.3635% | 990 |
| Credit loss provision to net charge-offs | 27.2727% | 2,422 |
| Earnings coverage of net charge-offs (x) | 9.6545% | 1,921 |
| Efficiency ratio | 63.5302% | 4,933 |
| Assets per employee ($millions) | 3.5485% | 4,829 |
| Cash dividends to net income (ytd only)* | 133.9286% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 2,765 |
| Loan loss allowance to noncurrent loans | 275.4286% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 4,804 |
| Noncurrent loans to loans | 0.5756% | 4,437 |
| Net loans and leases to total assets | 38.3271% | 5,922 |
| Net loans and leases to deposits | 44.5200% | 5,945 |
| Net loans and leases to core deposits | 45.2399% | 6,029 |
| Total domestic deposits to total assets | 86.0896% | 3,315 |
| Equity capital to assets | 13.5498% | 1,083 |
| Core capital (leverage) ratio | 14.2064% | 753 |
| Tier 1 risk-based capital ratio | 31.5146% | 466 |
| Total risk-based capital ratio | 32.7665% | 460 |
| Memoranda: | ||
| Average total assets | $154,962,500 | 3,634 |
| Average earning assets | $145,883,000 | 3,591 |
| Average equity | $20,888,500 | 3,068 |
| Average total loans | $60,514,500 | 4,571 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 5,479 |
| Cost of funding earning assets | 0.3709% | 4,942 |
| Net interest margin | 3.2003% | 5,004 |
| Noninterest income to average assets | 0.6173% | 2,990 |
| Noninterest expense to average assets | 2.3094% | 5,354 |
| Loan and lease loss provision to assets | 0.0497% | 4,140 |
| Net operating income to assets | 1.2106% | 1,524 |
| Return on assets (ROA) | 1.2540% | 1,437 |
| Pretax return on assets | 1.3081% | 2,117 |
| Return on Equity (ROE) | 8.9684% | 2,541 |
| Retained earnings to average equity (ytd only) | 1.9960% | 4,814 |
| Net charge-offs to loans | 0.2043% | 2,838 |
| Credit loss provision to net charge-offs | 63.7097% | 3,458 |
| Earnings coverage of net charge-offs (x) | 16.8387% | 1,768 |
| Efficiency ratio | 63.7626% | 4,942 |
| Assets per employee ($millions) | 3.5765% | 4,738 |
| Cash dividends to net income (ytd only)* | 77.7444% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 2,509 |
| Loan loss allowance to noncurrent loans | 237.3522% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 4,732 |
| Noncurrent loans to loans | 0.7024% | 4,219 |
| Net loans and leases to total assets | 38.5064% | 6,054 |
| Net loans and leases to deposits | 44.6101% | 6,090 |
| Net loans and leases to core deposits | 45.2513% | 6,173 |
| Total domestic deposits to total assets | 86.3177% | 3,105 |
| Equity capital to assets | 13.4085% | 1,106 |
| Core capital (leverage) ratio | 14.1606% | 785 |
| Tier 1 risk-based capital ratio | 31.8484% | 437 |
| Total risk-based capital ratio | 33.1009% | 431 |
| Memoranda: | ||
| Average total assets | $159,088,400 | 3,577 |
| Average earning assets | $149,359,200 | 3,517 |
| Average equity | $22,244,800 | 2,899 |
| Average total loans | $60,687,400 | 4,594 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 5,633 |
| Cost of funding earning assets | 0.3746% | 5,052 |
| Net interest margin | 3.1490% | 5,153 |
| Noninterest income to average assets | 0.6142% | 3,058 |
| Noninterest expense to average assets | 2.2666% | 5,446 |
| Loan and lease loss provision to assets | 0.0357% | 4,304 |
| Net operating income to assets | 1.2159% | 1,582 |
| Return on assets (ROA) | 1.2734% | 1,494 |
| Pretax return on assets | 1.3274% | 2,221 |
| Return on Equity (ROE) | 9.0179% | 2,620 |
| Retained earnings to average equity (ytd only) | 2.4252% | 4,877 |
| Net charge-offs to loans | 0.1228% | 3,313 |
| Credit loss provision to net charge-offs | 76.7857% | 2,922 |
| Earnings coverage of net charge-offs (x) | 28.0017% | 1,293 |
| Efficiency ratio | 63.4924% | 4,889 |
| Assets per employee ($millions) | 3.6734% | 4,498 |
| Cash dividends to net income (ytd only)* | 73.1071% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 2,509 |
| Loan loss allowance to noncurrent loans | 230.7350% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 5,200 |
| Noncurrent loans to loans | 0.7510% | 4,342 |
| Net loans and leases to total assets | 36.3478% | 6,265 |
| Net loans and leases to deposits | 42.0615% | 6,300 |
| Net loans and leases to core deposits | 42.9508% | 6,354 |
| Total domestic deposits to total assets | 86.4159% | 3,018 |
| Equity capital to assets | 13.2067% | 1,239 |
| Core capital (leverage) ratio | 13.9172% | 888 |
| Tier 1 risk-based capital ratio | 32.5097% | 422 |
| Total risk-based capital ratio | 33.7635% | 415 |
| Memoranda: | ||
| Average total assets | $160,413,000 | 3,590 |
| Average earning assets | $150,564,250 | 3,521 |
| Average equity | $22,650,750 | 2,889 |
| Average total loans | $60,803,500 | 4,629 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 5,658 |
| Cost of funding earning assets | 0.3833% | 5,102 |
| Net interest margin | 3.1342% | 5,177 |
| Noninterest income to average assets | 0.6187% | 3,081 |
| Noninterest expense to average assets | 2.2336% | 5,544 |
| Loan and lease loss provision to assets | 0.0450% | 4,066 |
| Net operating income to assets | 1.2222% | 1,535 |
| Return on assets (ROA) | 1.3074% | 1,392 |
| Pretax return on assets | 1.3624% | 2,076 |
| Return on Equity (ROE) | 9.0619% | 2,581 |
| Retained earnings to average equity (ytd only) | 5.1634% | 2,952 |
| Net charge-offs to loans | 0.1472% | 2,928 |
| Credit loss provision to net charge-offs | 80.0000% | 2,622 |
| Earnings coverage of net charge-offs (x) | 23.4444% | 1,329 |
| Efficiency ratio | 62.8783% | 5,037 |
| Assets per employee ($millions) | 3.6210% | 4,570 |
| Cash dividends to net income (ytd only)* | 43.0210% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 2,684 |
| Loan loss allowance to noncurrent loans | 190.4762% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 5,085 |
| Noncurrent loans to loans | 0.9064% | 4,115 |
| Net loans and leases to total assets | 37.1546% | 6,229 |
| Net loans and leases to deposits | 43.1972% | 6,272 |
| Net loans and leases to core deposits | 44.1475% | 6,328 |
| Total domestic deposits to total assets | 86.0117% | 3,359 |
| Equity capital to assets | 13.6431% | 1,074 |
| Core capital (leverage) ratio | 13.9743% | 831 |
| Tier 1 risk-based capital ratio | 32.5562% | 421 |
| Total risk-based capital ratio | 33.8146% | 413 |
| Memoranda: | ||
| Average total assets | $160,007,330 | 3,610 |
| Average earning assets | $149,767,330 | 3,559 |
| Average equity | $23,085,670 | 2,856 |
| Average total loans | $61,143,000 | 4,638 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 5,696 |
| Cost of funding earning assets | 0.4010% | 5,091 |
| Net interest margin | 3.1018% | 5,256 |
| Noninterest income to average assets | 0.5812% | 3,246 |
| Noninterest expense to average assets | 2.1877% | 5,724 |
| Loan and lease loss provision to assets | 0.0524% | 3,748 |
| Net operating income to assets | 1.2029% | 1,514 |
| Return on assets (ROA) | 1.2149% | 1,597 |
| Pretax return on assets | 1.2672% | 2,350 |
| Return on Equity (ROE) | 8.1987% | 2,879 |
| Retained earnings to average equity (ytd only) | 4.4108% | 3,588 |
| Net charge-offs to loans | 0.0584% | 3,237 |
| Credit loss provision to net charge-offs | 233.3333% | 973 |
| Earnings coverage of net charge-offs (x) | 58.2222% | 609 |
| Efficiency ratio | 62.5981% | 5,219 |
| Assets per employee ($millions) | 3.6458% | 4,685 |
| Cash dividends to net income (ytd only)* | 46.2012% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 2,844 |
| Loan loss allowance to noncurrent loans | 58.6512% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 3,332 |
| Noncurrent loans to loans | 2.9646% | 1,696 |
| Net loans and leases to total assets | 37.3785% | 6,193 |
| Net loans and leases to deposits | 44.0620% | 6,201 |
| Net loans and leases to core deposits | 45.1938% | 6,255 |
| Total domestic deposits to total assets | 84.8317% | 4,128 |
| Equity capital to assets | 14.8074% | 804 |
| Core capital (leverage) ratio | 13.4504% | 960 |
| Tier 1 risk-based capital ratio | 31.9701% | 451 |
| Total risk-based capital ratio | 33.2087% | 447 |
| Memoranda: | ||
| Average total assets | $160,348,000 | 3,638 |
| Average earning assets | $150,624,500 | 3,582 |
| Average equity | $23,760,000 | 2,829 |
| Average total loans | $61,596,000 | 4,646 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 5,907 |
| Cost of funding earning assets | 0.4969% | 5,240 |
| Net interest margin | 3.2714% | 5,352 |
| Noninterest income to average assets | 0.6735% | 2,863 |
| Noninterest expense to average assets | 2.3579% | 5,536 |
| Loan and lease loss provision to assets | 0.0629% | 4,978 |
| Net operating income to assets | 1.2862% | 1,348 |
| Return on assets (ROA) | 1.2905% | 1,482 |
| Pretax return on assets | 1.3483% | 2,219 |
| Return on Equity (ROE) | 8.6563% | 2,810 |
| Retained earnings to average equity (ytd only) | 4.5476% | 3,023 |
| Net charge-offs to loans | 0.1190% | 4,501 |
| Credit loss provision to net charge-offs | 136.1111% | 2,039 |
| Earnings coverage of net charge-offs (x) | 30.4583% | 1,003 |
| Efficiency ratio | 62.6342% | 5,143 |
| Assets per employee ($millions) | 3.5618% | 4,876 |
| Cash dividends to net income (ytd only)* | 47.4652% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 2,978 |
| Loan loss allowance to noncurrent loans | 55.7682% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.3788% | 3,330 |
| Noncurrent loans to loans | 3.0255% | 1,717 |
| Net loans and leases to total assets | 38.1338% | 6,295 |
| Net loans and leases to deposits | 44.9450% | 6,309 |
| Net loans and leases to core deposits | 46.3488% | 6,353 |
| Total domestic deposits to total assets | 84.8456% | 3,926 |
| Equity capital to assets | 14.8281% | 782 |
| Core capital (leverage) ratio | 13.6681% | 895 |
| Tier 1 risk-based capital ratio | 30.9872% | 475 |
| Total risk-based capital ratio | 32.2407% | 462 |
| Memoranda: | ||
| Average total assets | $155,904,400 | 3,688 |
| Average earning assets | $147,306,800 | 3,600 |
| Average equity | $23,243,200 | 2,824 |
| Average total loans | $60,522,000 | 4,688 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 5,994 |
| Cost of funding earning assets | 0.5135% | 5,349 |
| Net interest margin | 3.3004% | 5,397 |
| Noninterest income to average assets | 0.6812% | 2,809 |
| Noninterest expense to average assets | 2.2952% | 5,690 |
| Loan and lease loss provision to assets | 0.0646% | 4,899 |
| Net operating income to assets | 1.3817% | 1,263 |
| Return on assets (ROA) | 1.3875% | 1,379 |
| Pretax return on assets | 1.4495% | 2,081 |
| Return on Equity (ROE) | 9.2936% | 2,675 |
| Retained earnings to average equity (ytd only) | 5.3996% | 3,098 |
| Net charge-offs to loans | 0.1109% | 4,283 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 35.0174% | 968 |
| Efficiency ratio | 60.3487% | 5,439 |
| Assets per employee ($millions) | 3.4754% | 5,022 |
| Cash dividends to net income (ytd only)* | 41.8995% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,215 |
| Loan loss allowance to noncurrent loans | 227.8261% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 5,363 |
| Noncurrent loans to loans | 0.7370% | 4,950 |
| Net loans and leases to total assets | 39.2418% | 6,337 |
| Net loans and leases to deposits | 46.6065% | 6,346 |
| Net loans and leases to core deposits | 48.0249% | 6,406 |
| Total domestic deposits to total assets | 84.1980% | 4,129 |
| Equity capital to assets | 15.3531% | 738 |
| Core capital (leverage) ratio | 13.7538% | 923 |
| Tier 1 risk-based capital ratio | 30.8215% | 492 |
| Total risk-based capital ratio | 32.0753% | 482 |
| Memoranda: | ||
| Average total assets | $154,809,750 | 3,738 |
| Average earning assets | $146,444,500 | 3,653 |
| Average equity | $23,112,250 | 2,863 |
| Average total loans | $60,109,750 | 4,761 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 6,168 |
| Cost of funding earning assets | 0.5277% | 5,441 |
| Net interest margin | 3.2605% | 5,563 |
| Noninterest income to average assets | 0.6858% | 2,744 |
| Noninterest expense to average assets | 2.3036% | 5,724 |
| Loan and lease loss provision to assets | 0.0843% | 4,542 |
| Net operating income to assets | 1.3304% | 1,359 |
| Return on assets (ROA) | 1.3391% | 1,492 |
| Pretax return on assets | 1.3987% | 2,200 |
| Return on Equity (ROE) | 9.0564% | 2,794 |
| Retained earnings to average equity (ytd only) | 5.1112% | 3,216 |
| Net charge-offs to loans | 0.1584% | 3,653 |
| Credit loss provision to net charge-offs | 138.2979% | 1,995 |
| Earnings coverage of net charge-offs (x) | 24.1915% | 1,229 |
| Efficiency ratio | 60.9815% | 5,425 |
| Assets per employee ($millions) | 3.3355% | 5,368 |
| Cash dividends to net income (ytd only)* | 43.5624% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 3,280 |
| Loan loss allowance to noncurrent loans | 414.7410% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 5,807 |
| Noncurrent loans to loans | 0.4068% | 5,721 |
| Net loans and leases to total assets | 38.6956% | 6,425 |
| Net loans and leases to deposits | 45.6971% | 6,459 |
| Net loans and leases to core deposits | 46.9666% | 6,518 |
| Total domestic deposits to total assets | 84.6785% | 4,011 |
| Equity capital to assets | 14.9139% | 810 |
| Core capital (leverage) ratio | 13.4228% | 1,003 |
| Tier 1 risk-based capital ratio | 30.5232% | 497 |
| Total risk-based capital ratio | 31.7624% | 492 |
| Memoranda: | ||
| Average total assets | $154,282,330 | 3,763 |
| Average earning assets | $146,295,670 | 3,676 |
| Average equity | $22,812,670 | 2,877 |
| Average total loans | $59,340,000 | 4,814 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 6,040 |
| Cost of funding earning assets | 0.5457% | 5,521 |
| Net interest margin | 3.3431% | 5,323 |
| Noninterest income to average assets | 0.6743% | 2,786 |
| Noninterest expense to average assets | 2.3393% | 5,666 |
| Loan and lease loss provision to assets | 0.0967% | 4,139 |
| Net operating income to assets | 1.3487% | 1,325 |
| Return on assets (ROA) | 1.3487% | 1,482 |
| Pretax return on assets | 1.4088% | 2,174 |
| Return on Equity (ROE) | 9.1615% | 2,753 |
| Retained earnings to average equity (ytd only) | 5.1667% | 3,463 |
| Net charge-offs to loans | 0.2545% | 2,652 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 15.5676% | 1,411 |
| Efficiency ratio | 60.8430% | 5,482 |
| Assets per employee ($millions) | 3.4960% | 5,129 |
| Cash dividends to net income (ytd only)* | 43.6047% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 3,037 |
| Loan loss allowance to noncurrent loans | 635.4037% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 5,860 |
| Noncurrent loans to loans | 0.2811% | 6,120 |
| Net loans and leases to total assets | 35.7547% | 6,637 |
| Net loans and leases to deposits | 41.9600% | 6,660 |
| Net loans and leases to core deposits | 43.0315% | 6,702 |
| Total domestic deposits to total assets | 85.2116% | 3,928 |
| Equity capital to assets | 14.4337% | 880 |
| Core capital (leverage) ratio | 13.5803% | 916 |
| Tier 1 risk-based capital ratio | 32.5135% | 412 |
| Total risk-based capital ratio | 33.7681% | 404 |
| Memoranda: | ||
| Average total assets | $153,040,000 | 3,822 |
| Average earning assets | $145,135,500 | 3,713 |
| Average equity | $22,529,000 | 2,907 |
| Average total loans | $58,158,500 | 4,897 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3625% | 5,560 |
| Cost of funding earning assets | 0.6714% | 5,704 |
| Net interest margin | 3.6911% | 4,339 |
| Noninterest income to average assets | 0.6921% | 2,651 |
| Noninterest expense to average assets | 2.6118% | 5,049 |
| Loan and lease loss provision to assets | 0.1366% | 4,916 |
| Net operating income to assets | 1.3598% | 1,112 |
| Return on assets (ROA) | 1.3598% | 1,202 |
| Pretax return on assets | 1.4209% | 1,716 |
| Return on Equity (ROE) | 8.7774% | 2,551 |
| Retained earnings to average equity (ytd only) | 4.3701% | 3,064 |
| Net charge-offs to loans | 0.0991% | 5,359 |
| Credit loss provision to net charge-offs | 327.5862% | 714 |
| Earnings coverage of net charge-offs (x) | 37.3621% | 715 |
| Efficiency ratio | 62.6444% | 5,363 |
| Assets per employee ($millions) | 3.2339% | 5,647 |
| Cash dividends to net income (ytd only)* | 50.2114% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 3,082 |
| Loan loss allowance to noncurrent loans | 314.7692% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 5,775 |
| Noncurrent loans to loans | 0.5504% | 5,618 |
| Net loans and leases to total assets | 39.0035% | 6,599 |
| Net loans and leases to deposits | 46.0872% | 6,623 |
| Net loans and leases to core deposits | 47.4804% | 6,671 |
| Total domestic deposits to total assets | 84.6297% | 4,032 |
| Equity capital to assets | 15.0248% | 777 |
| Core capital (leverage) ratio | 14.0953% | 801 |
| Tier 1 risk-based capital ratio | 32.0213% | 426 |
| Total risk-based capital ratio | 33.2760% | 413 |
| Memoranda: | ||
| Average total assets | $139,139,400 | 3,990 |
| Average earning assets | $131,070,800 | 3,909 |
| Average equity | $21,555,400 | 2,940 |
| Average total loans | $58,510,200 | 4,920 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 5,333 |
| Cost of funding earning assets | 0.6926% | 5,811 |
| Net interest margin | 3.7808% | 3,966 |
| Noninterest income to average assets | 0.7011% | 2,602 |
| Noninterest expense to average assets | 2.6026% | 5,071 |
| Loan and lease loss provision to assets | 0.1404% | 4,684 |
| Net operating income to assets | 1.4441% | 1,067 |
| Return on assets (ROA) | 1.4441% | 1,143 |
| Pretax return on assets | 1.5085% | 1,632 |
| Return on Equity (ROE) | 9.2460% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.0319% | 3,152 |
| Net charge-offs to loans | 0.0685% | 5,274 |
| Credit loss provision to net charge-offs | 480.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 56.3653% | 583 |
| Efficiency ratio | 61.2156% | 5,531 |
| Assets per employee ($millions) | 2.9894% | 6,143 |
| Cash dividends to net income (ytd only)* | 45.5774% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 3,068 |
| Loan loss allowance to noncurrent loans | 444.6903% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 5,884 |
| Noncurrent loans to loans | 0.3960% | 6,064 |
| Net loans and leases to total assets | 39.9014% | 6,640 |
| Net loans and leases to deposits | 47.7359% | 6,633 |
| Net loans and leases to core deposits | 48.8226% | 6,722 |
| Total domestic deposits to total assets | 83.5877% | 4,440 |
| Equity capital to assets | 15.9540% | 633 |
| Core capital (leverage) ratio | 14.5723% | 755 |
| Tier 1 risk-based capital ratio | 32.4865% | 438 |
| Total risk-based capital ratio | 33.7409% | 431 |
| Memoranda: | ||
| Average total assets | $136,734,000 | 4,064 |
| Average earning assets | $128,401,750 | 3,983 |
| Average equity | $21,356,500 | 2,961 |
| Average total loans | $58,376,500 | 4,976 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5605% | 5,135 |
| Cost of funding earning assets | 0.7067% | 5,919 |
| Net interest margin | 3.8538% | 3,516 |
| Noninterest income to average assets | 0.7042% | 2,528 |
| Noninterest expense to average assets | 2.6174% | 5,128 |
| Loan and lease loss provision to assets | 0.1506% | 4,426 |
| Net operating income to assets | 1.4763% | 932 |
| Return on assets (ROA) | 1.4763% | 987 |
| Pretax return on assets | 1.5427% | 1,396 |
| Return on Equity (ROE) | 9.5223% | 2,298 |
| Retained earnings to average equity (ytd only) | 5.2373% | 2,850 |
| Net charge-offs to loans | 0.0646% | 4,994 |
| Credit loss provision to net charge-offs | 536.8421% | 574 |
| Earnings coverage of net charge-offs (x) | 60.3684% | 540 |
| Efficiency ratio | 60.7192% | 5,771 |
| Assets per employee ($millions) | 2.9290% | 6,238 |
| Cash dividends to net income (ytd only)* | 45.0000% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 3,381 |
| Loan loss allowance to noncurrent loans | 392.7419% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 6,087 |
| Noncurrent loans to loans | 0.4285% | 6,046 |
| Net loans and leases to total assets | 40.4709% | 6,706 |
| Net loans and leases to deposits | 48.1652% | 6,716 |
| Net loans and leases to core deposits | 49.4507% | 6,784 |
| Total domestic deposits to total assets | 84.0252% | 4,340 |
| Equity capital to assets | 15.5601% | 691 |
| Core capital (leverage) ratio | 14.7414% | 719 |
| Tier 1 risk-based capital ratio | 31.8486% | 458 |
| Total risk-based capital ratio | 33.1017% | 448 |
| Memoranda: | ||
| Average total assets | $135,477,330 | 4,117 |
| Average earning assets | $126,783,670 | 4,050 |
| Average equity | $21,003,330 | 2,998 |
| Average total loans | $58,812,670 | 5,014 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 4,986 |
| Cost of funding earning assets | 0.7359% | 5,943 |
| Net interest margin | 3.8553% | 3,358 |
| Noninterest income to average assets | 0.6229% | 3,020 |
| Noninterest expense to average assets | 2.6091% | 5,189 |
| Loan and lease loss provision to assets | 0.1444% | 4,199 |
| Net operating income to assets | 1.4324% | 1,014 |
| Return on assets (ROA) | 1.4324% | 1,049 |
| Pretax return on assets | 1.4956% | 1,461 |
| Return on Equity (ROE) | 9.2575% | 2,364 |
| Retained earnings to average equity (ytd only) | 4.8816% | 3,264 |
| Net charge-offs to loans | 0.0877% | 4,076 |
| Credit loss provision to net charge-offs | 369.2308% | 895 |
| Earnings coverage of net charge-offs (x) | 41.9231% | 663 |
| Efficiency ratio | 61.4023% | 5,779 |
| Assets per employee ($millions) | 2.9400% | 6,254 |
| Cash dividends to net income (ytd only)* | 47.2689% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 3,955 |
| Loan loss allowance to noncurrent loans | 629.9320% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 6,298 |
| Noncurrent loans to loans | 0.2462% | 6,493 |
| Net loans and leases to total assets | 43.4594% | 6,514 |
| Net loans and leases to deposits | 51.5837% | 6,508 |
| Net loans and leases to core deposits | 53.1185% | 6,616 |
| Total domestic deposits to total assets | 84.2501% | 4,387 |
| Equity capital to assets | 15.3595% | 692 |
| Core capital (leverage) ratio | 14.8886% | 682 |
| Tier 1 risk-based capital ratio | 30.9550% | 480 |
| Total risk-based capital ratio | 32.2067% | 468 |
| Memoranda: | ||
| Average total assets | $132,921,000 | 4,196 |
| Average earning assets | $125,022,000 | 4,121 |
| Average equity | $20,567,000 | 3,046 |
| Average total loans | $59,283,000 | 5,034 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 4,720 |
| Cost of funding earning assets | 1.0199% | 5,591 |
| Net interest margin | 3.9454% | 3,280 |
| Noninterest income to average assets | 0.7285% | 2,656 |
| Noninterest expense to average assets | 2.8418% | 4,431 |
| Loan and lease loss provision to assets | 0.1061% | 6,086 |
| Net operating income to assets | 1.1814% | 1,459 |
| Return on assets (ROA) | 1.1814% | 1,533 |
| Pretax return on assets | 1.4102% | 1,635 |
| Return on Equity (ROE) | 7.2974% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.2379% | 3,601 |
| Net charge-offs to loans | 0.2613% | 4,730 |
| Credit loss provision to net charge-offs | 85.8974% | 5,290 |
| Earnings coverage of net charge-offs (x) | 12.2756% | 1,524 |
| Efficiency ratio | 65.2071% | 5,125 |
| Assets per employee ($millions) | 2.8392% | 6,456 |
| Cash dividends to net income (ytd only)* | 55.6300% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,929 |
| Loan loss allowance to noncurrent loans | 187.5789% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 5,811 |
| Noncurrent loans to loans | 0.8069% | 5,433 |
| Net loans and leases to total assets | 44.3903% | 6,682 |
| Net loans and leases to deposits | 52.7885% | 6,687 |
| Net loans and leases to core deposits | 54.2923% | 6,797 |
| Total domestic deposits to total assets | 84.0907% | 4,315 |
| Equity capital to assets | 15.5908% | 662 |
| Core capital (leverage) ratio | 14.6749% | 716 |
| Tier 1 risk-based capital ratio | 31.4957% | 450 |
| Total risk-based capital ratio | 32.7489% | 441 |
| Memoranda: | ||
| Average total assets | $126,291,800 | 4,344 |
| Average earning assets | $116,186,400 | 4,313 |
| Average equity | $20,445,600 | 3,086 |
| Average total loans | $59,705,400 | 5,081 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0777% | 4,439 |
| Cost of funding earning assets | 1.0682% | 5,600 |
| Net interest margin | 4.0095% | 3,057 |
| Noninterest income to average assets | 0.7347% | 2,610 |
| Noninterest expense to average assets | 2.7919% | 4,527 |
| Loan and lease loss provision to assets | 0.1139% | 5,894 |
| Net operating income to assets | 1.2043% | 1,583 |
| Return on assets (ROA) | 1.2043% | 1,667 |
| Pretax return on assets | 1.4939% | 1,638 |
| Return on Equity (ROE) | 7.3679% | 3,172 |
| Retained earnings to average equity (ytd only) | 3.4267% | 4,043 |
| Net charge-offs to loans | 0.1892% | 4,818 |
| Credit loss provision to net charge-offs | 125.8824% | 3,246 |
| Earnings coverage of net charge-offs (x) | 17.7648% | 1,306 |
| Efficiency ratio | 63.4560% | 5,352 |
| Assets per employee ($millions) | 2.9931% | 6,164 |
| Cash dividends to net income (ytd only)* | 53.4928% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 3,705 |
| Loan loss allowance to noncurrent loans | 362.4031% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 6,308 |
| Noncurrent loans to loans | 0.4300% | 6,340 |
| Net loans and leases to total assets | 44.8510% | 6,782 |
| Net loans and leases to deposits | 53.7912% | 6,780 |
| Net loans and leases to core deposits | 55.3139% | 6,896 |
| Total domestic deposits to total assets | 83.3799% | 4,423 |
| Equity capital to assets | 16.2108% | 638 |
| Core capital (leverage) ratio | 15.0676% | 707 |
| Tier 1 risk-based capital ratio | 31.0000% | 475 |
| Total risk-based capital ratio | 32.2530% | 467 |
| Memoranda: | ||
| Average total assets | $125,214,000 | 4,436 |
| Average earning assets | $114,457,750 | 4,417 |
| Average equity | $20,466,500 | 3,130 |
| Average total loans | $59,915,250 | 5,150 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2387% | 3,768 |
| Cost of funding earning assets | 1.0994% | 5,672 |
| Net interest margin | 4.1393% | 2,381 |
| Noninterest income to average assets | 0.7574% | 2,341 |
| Noninterest expense to average assets | 2.8362% | 4,330 |
| Loan and lease loss provision to assets | 0.0943% | 5,967 |
| Net operating income to assets | 1.1653% | 1,658 |
| Return on assets (ROA) | 1.1653% | 1,714 |
| Pretax return on assets | 1.5782% | 1,363 |
| Return on Equity (ROE) | 7.1087% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.3412% | 3,983 |
| Net charge-offs to loans | 0.0568% | 5,597 |
| Credit loss provision to net charge-offs | 341.1765% | 1,069 |
| Earnings coverage of net charge-offs (x) | 60.5294% | 511 |
| Efficiency ratio | 62.9056% | 5,538 |
| Assets per employee ($millions) | 2.7165% | 6,757 |
| Cash dividends to net income (ytd only)* | 52.9986% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,525 |
| Loan loss allowance to noncurrent loans | 219.8157% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 6,062 |
| Noncurrent loans to loans | 0.7200% | 5,815 |
| Net loans and leases to total assets | 46.4664% | 6,748 |
| Net loans and leases to deposits | 55.7906% | 6,744 |
| Net loans and leases to core deposits | 56.6277% | 6,906 |
| Total domestic deposits to total assets | 83.2873% | 4,441 |
| Equity capital to assets | 16.2749% | 629 |
| Core capital (leverage) ratio | 15.4312% | 646 |
| Tier 1 risk-based capital ratio | 30.3865% | 488 |
| Total risk-based capital ratio | 31.6391% | 480 |
| Memoranda: | ||
| Average total assets | $123,053,330 | 4,502 |
| Average earning assets | $111,516,000 | 4,523 |
| Average equity | $20,172,330 | 3,153 |
| Average total loans | $59,886,330 | 5,180 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3567% | 3,259 |
| Cost of funding earning assets | 1.1555% | 5,631 |
| Net interest margin | 4.2012% | 2,033 |
| Noninterest income to average assets | 0.7222% | 2,451 |
| Noninterest expense to average assets | 2.8689% | 4,193 |
| Loan and lease loss provision to assets | 0.1093% | 5,530 |
| Net operating income to assets | 0.7487% | 3,217 |
| Return on assets (ROA) | 0.7487% | 3,323 |
| Pretax return on assets | 1.5140% | 1,481 |
| Return on Equity (ROE) | 4.5498% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.5498% | 3,424 |
| Net charge-offs to loans | 0.0670% | 4,738 |
| Credit loss provision to net charge-offs | 330.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 588 |
| Efficiency ratio | 63.8643% | 5,522 |
| Assets per employee ($millions) | 2.7420% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 3,612 |
| Loan loss allowance to noncurrent loans | 468.0000% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 6,241 |
| Noncurrent loans to loans | 0.3337% | 6,627 |
| Net loans and leases to total assets | 47.8150% | 6,694 |
| Net loans and leases to deposits | 57.5080% | 6,654 |
| Net loans and leases to core deposits | 59.4097% | 6,788 |
| Total domestic deposits to total assets | 83.1450% | 4,547 |
| Equity capital to assets | 16.5024% | 603 |
| Core capital (leverage) ratio | 15.9050% | 599 |
| Tier 1 risk-based capital ratio | 30.4231% | 504 |
| Total risk-based capital ratio | 31.6767% | 492 |
| Memoranda: | ||
| Average total assets | $120,742,500 | 4,610 |
| Average earning assets | $108,349,500 | 4,652 |
| Average equity | $19,869,000 | 3,215 |
| Average total loans | $59,689,500 | 5,264 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6723% | 3,241 |
| Cost of funding earning assets | 1.2984% | 6,314 |
| Net interest margin | 4.3738% | 1,502 |
| Noninterest income to average assets | 0.7279% | 2,798 |
| Noninterest expense to average assets | 3.0978% | 3,755 |
| Loan and lease loss provision to assets | 0.1947% | 5,789 |
| Net operating income to assets | 1.0254% | 1,761 |
| Return on assets (ROA) | 1.1269% | 1,481 |
| Pretax return on assets | 1.5563% | 1,061 |
| Return on Equity (ROE) | 6.2153% | 3,120 |
| Retained earnings to average equity (ytd only) | -7.1032% | 6,248 |
| Net charge-offs to loans | 0.2265% | 5,205 |
| Credit loss provision to net charge-offs | 171.7557% | 2,476 |
| Earnings coverage of net charge-offs (x) | 14.1985% | 1,385 |
| Efficiency ratio | 65.8025% | 5,428 |
| Assets per employee ($millions) | 2.4604% | 7,263 |
| Cash dividends to net income (ytd only)* | 214.2857% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,547 |
| Loan loss allowance to noncurrent loans | 250.1370% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6876% | 5,731 |
| Noncurrent loans to loans | 0.6140% | 6,019 |
| Net loans and leases to total assets | 49.5626% | 6,681 |
| Net loans and leases to deposits | 59.5600% | 6,665 |
| Net loans and leases to core deposits | 70.0428% | 6,770 |
| Total domestic deposits to total assets | 83.2146% | 4,414 |
| Equity capital to assets | 16.4069% | 636 |
| Core capital (leverage) ratio | 15.9095% | 630 |
| Tier 1 risk-based capital ratio | 30.4402% | 499 |
| Total risk-based capital ratio | 31.6934% | 485 |
| Memoranda: | ||
| Average total assets | $115,533,200 | 4,688 |
| Average earning assets | $105,125,600 | 4,700 |
| Average equity | $20,948,400 | 3,078 |
| Average total loans | $57,836,800 | 5,347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6910% | 3,387 |
| Cost of funding earning assets | 1.3142% | 6,511 |
| Net interest margin | 4.3768% | 1,503 |
| Noninterest income to average assets | 0.6951% | 3,047 |
| Noninterest expense to average assets | 3.0741% | 3,748 |
| Loan and lease loss provision to assets | 0.1694% | 5,665 |
| Net operating income to assets | 1.0433% | 1,923 |
| Return on assets (ROA) | 1.0433% | 1,983 |
| Pretax return on assets | 1.4402% | 1,591 |
| Return on Equity (ROE) | 5.6165% | 3,686 |
| Retained earnings to average equity (ytd only) | 3.1800% | 3,534 |
| Net charge-offs to loans | 0.2066% | 4,752 |
| Credit loss provision to net charge-offs | 164.0449% | 2,868 |
| Earnings coverage of net charge-offs (x) | 15.5848% | 1,528 |
| Efficiency ratio | 65.6343% | 5,435 |
| Assets per employee ($millions) | 2.4614% | 7,288 |
| Cash dividends to net income (ytd only)* | 43.3817% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,273 |
| Loan loss allowance to noncurrent loans | 271.2074% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 6,234 |
| Noncurrent loans to loans | 0.5645% | 6,182 |
| Net loans and leases to total assets | 47.6876% | 6,981 |
| Net loans and leases to deposits | 59.0562% | 6,899 |
| Net loans and leases to core deposits | 69.1059% | 7,010 |
| Total domestic deposits to total assets | 80.7496% | 5,176 |
| Equity capital to assets | 18.4768% | 470 |
| Core capital (leverage) ratio | 17.8225% | 464 |
| Tier 1 risk-based capital ratio | 34.5065% | 396 |
| Total risk-based capital ratio | 35.7447% | 390 |
| Memoranda: | ||
| Average total assets | $114,892,250 | 4,720 |
| Average earning assets | $104,700,000 | 4,751 |
| Average equity | $21,341,500 | 3,055 |
| Average total loans | $57,434,750 | 5,405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7800% | 3,138 |
| Cost of funding earning assets | 1.3489% | 6,653 |
| Net interest margin | 4.4312% | 1,332 |
| Noninterest income to average assets | 0.6889% | 3,064 |
| Noninterest expense to average assets | 3.0947% | 3,727 |
| Loan and lease loss provision to assets | 0.2039% | 5,015 |
| Net operating income to assets | 1.0984% | 1,778 |
| Return on assets (ROA) | 1.0984% | 1,855 |
| Pretax return on assets | 1.4199% | 1,667 |
| Return on Equity (ROE) | 5.9022% | 3,699 |
| Retained earnings to average equity (ytd only) | 3.4469% | 3,399 |
| Net charge-offs to loans | 0.2817% | 3,781 |
| Credit loss provision to net charge-offs | 143.2099% | 3,241 |
| Earnings coverage of net charge-offs (x) | 11.4074% | 1,903 |
| Efficiency ratio | 65.5866% | 5,616 |
| Assets per employee ($millions) | 2.4385% | 7,367 |
| Cash dividends to net income (ytd only)* | 41.6000% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 3,232 |
| Loan loss allowance to noncurrent loans | 165.5039% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 5,738 |
| Noncurrent loans to loans | 0.9029% | 5,409 |
| Net loans and leases to total assets | 49.1214% | 6,950 |
| Net loans and leases to deposits | 60.7467% | 6,837 |
| Net loans and leases to core deposits | 71.2440% | 6,952 |
| Total domestic deposits to total assets | 80.8626% | 5,125 |
| Equity capital to assets | 18.5484% | 498 |
| Core capital (leverage) ratio | 18.1101% | 502 |
| Tier 1 risk-based capital ratio | 34.5160% | 430 |
| Total risk-based capital ratio | 35.7681% | 425 |
| Memoranda: | ||
| Average total assets | $113,807,000 | 4,779 |
| Average earning assets | $103,494,330 | 4,804 |
| Average equity | $21,178,670 | 3,072 |
| Average total loans | $57,507,000 | 5,448 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 3,426 |
| Cost of funding earning assets | 1.3744% | 6,800 |
| Net interest margin | 4.3974% | 1,345 |
| Noninterest income to average assets | 0.6702% | 3,069 |
| Noninterest expense to average assets | 2.9981% | 3,779 |
| Loan and lease loss provision to assets | 0.1834% | 4,606 |
| Net operating income to assets | 1.0864% | 2,010 |
| Return on assets (ROA) | 1.0864% | 2,139 |
| Pretax return on assets | 1.5061% | 1,652 |
| Return on Equity (ROE) | 5.8281% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.3682% | 4,009 |
| Net charge-offs to loans | 0.4230% | 2,408 |
| Credit loss provision to net charge-offs | 85.2459% | 4,095 |
| Earnings coverage of net charge-offs (x) | 7.8525% | 2,288 |
| Efficiency ratio | 63.9579% | 5,694 |
| Assets per employee ($millions) | 2.3914% | 7,472 |
| Cash dividends to net income (ytd only)* | 42.2078% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 3,402 |
| Loan loss allowance to noncurrent loans | 107.2848% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 5,089 |
| Noncurrent loans to loans | 1.3218% | 4,334 |
| Net loans and leases to total assets | 49.0561% | 6,943 |
| Net loans and leases to deposits | 60.7299% | 6,829 |
| Net loans and leases to core deposits | 71.1398% | 6,955 |
| Total domestic deposits to total assets | 80.7774% | 5,053 |
| Equity capital to assets | 18.5282% | 538 |
| Core capital (leverage) ratio | 18.2003% | 532 |
| Tier 1 risk-based capital ratio | 34.2399% | 462 |
| Total risk-based capital ratio | 35.4916% | 453 |
| Memoranda: | ||
| Average total assets | $113,406,500 | 4,815 |
| Average earning assets | $103,606,000 | 4,819 |
| Average equity | $21,139,000 | 3,102 |
| Average total loans | $57,685,000 | 5,467 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1806% | 4,612 |
| Cost of funding earning assets | 1.7774% | 7,067 |
| Net interest margin | 4.4033% | 1,676 |
| Noninterest income to average assets | 0.7792% | 2,624 |
| Noninterest expense to average assets | 3.0415% | 3,934 |
| Loan and lease loss provision to assets | 0.1828% | 5,068 |
| Net operating income to assets | 1.1942% | 1,792 |
| Return on assets (ROA) | 1.2220% | 1,651 |
| Pretax return on assets | 1.6794% | 1,190 |
| Return on Equity (ROE) | 6.5184% | 3,743 |
| Retained earnings to average equity (ytd only) | 1.1349% | 4,552 |
| Net charge-offs to loans | 0.1788% | 4,408 |
| Credit loss provision to net charge-offs | 191.4286% | 2,567 |
| Earnings coverage of net charge-offs (x) | 19.1048% | 1,656 |
| Efficiency ratio | 62.5117% | 5,858 |
| Assets per employee ($millions) | 2.2862% | 7,582 |
| Cash dividends to net income (ytd only)* | 82.5893% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 3,160 |
| Loan loss allowance to noncurrent loans | 138.8136% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 5,195 |
| Noncurrent loans to loans | 1.0129% | 4,555 |
| Net loans and leases to total assets | 51.2658% | 6,908 |
| Net loans and leases to deposits | 63.5460% | 6,839 |
| Net loans and leases to core deposits | 74.2204% | 6,959 |
| Total domestic deposits to total assets | 80.6750% | 4,781 |
| Equity capital to assets | 18.7546% | 573 |
| Core capital (leverage) ratio | 18.2758% | 574 |
| Tier 1 risk-based capital ratio | 33.5896% | 492 |
| Total risk-based capital ratio | 34.8411% | 479 |
| Memoranda: | ||
| Average total assets | $109,979,400 | 4,786 |
| Average earning assets | $102,060,800 | 4,745 |
| Average equity | $20,618,600 | 3,141 |
| Average total loans | $58,741,200 | 5,331 |