Home > Wyoming Community Bank > Performance and Condition Ratios
Wyoming Community 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 | 4.9060% | 2,261 |
| Cost of funding earning assets | 1.3456% | 2,375 |
| Net interest margin | 3.5603% | 2,041 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.7972% | 1,506 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9468% | 2,381 |
| Return on assets (ROA) | 0.9428% | 2,383 |
| Pretax return on assets | 0.9428% | 2,835 |
| Return on Equity (ROE) | 14.8100% | 1,323 |
| Retained earnings to average equity (ytd only) | 6.8965% | 1,921 |
| Net charge-offs to loans | 0.0154% | 2,087 |
| Credit loss provision to net charge-offs | 675.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 112.9500% | 846 |
| Efficiency ratio | 73.5294% | 1,498 |
| Assets per employee ($millions) | 5.8366% | 2,956 |
| Cash dividends to net income (ytd only)* | 53.4279% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,261 |
| Loan loss allowance to noncurrent loans | 898.0676% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 2,900 |
| Noncurrent loans to loans | 0.1597% | 2,722 |
| Net loans and leases to total assets | 57.6100% | 3,070 |
| Net loans and leases to deposits | 65.6686% | 3,192 |
| Net loans and leases to core deposits | 71.8274% | 3,204 |
| Total domestic deposits to total assets | 87.7300% | 1,444 |
| Equity capital to assets | 7.1239% | 3,893 |
| Core capital (leverage) ratio | 9.5711% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $224,332,400 | 2,820 |
| Average earning assets | $210,233,800 | 2,806 |
| Average equity | $14,282,600 | 3,316 |
| Average total loans | $129,894,000 | 2,858 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 2,270 |
| Cost of funding earning assets | 1.2172% | 2,373 |
| Net interest margin | 3.5794% | 2,055 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.8276% | 1,369 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9180% | 2,625 |
| Return on assets (ROA) | 0.9127% | 2,621 |
| Pretax return on assets | 0.9127% | 3,072 |
| Return on Equity (ROE) | 14.7700% | 1,490 |
| Retained earnings to average equity (ytd only) | 6.7129% | 2,392 |
| Net charge-offs to loans | 0.0287% | 1,500 |
| Credit loss provision to net charge-offs | 375.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 59.0714% | 1,213 |
| Efficiency ratio | 74.2568% | 1,343 |
| Assets per employee ($millions) | 6.0665% | 2,695 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,644 |
| Loan loss allowance to noncurrent loans | 602.9801% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,680 |
| Noncurrent loans to loans | 0.2242% | 2,455 |
| Net loans and leases to total assets | 57.6300% | 3,057 |
| Net loans and leases to deposits | 64.7330% | 3,211 |
| Net loans and leases to core deposits | 70.1697% | 3,202 |
| Total domestic deposits to total assets | 89.0300% | 1,237 |
| Equity capital to assets | 5.7156% | 4,080 |
| Core capital (leverage) ratio | 9.2752% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $224,968,250 | 2,829 |
| Average earning assets | $210,865,500 | 2,809 |
| Average equity | $13,903,250 | 3,342 |
| Average total loans | $129,958,250 | 2,864 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 2,380 |
| Cost of funding earning assets | 1.0211% | 2,526 |
| Net interest margin | 3.5977% | 2,043 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.8559% | 1,315 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9134% | 2,712 |
| Return on assets (ROA) | 0.9054% | 2,721 |
| Pretax return on assets | 0.9054% | 3,152 |
| Return on Equity (ROE) | 14.2800% | 1,623 |
| Retained earnings to average equity (ytd only) | 5.7968% | 2,693 |
| Net charge-offs to loans | 0.0343% | 1,209 |
| Credit loss provision to net charge-offs | 136.3636% | 1,255 |
| Earnings coverage of net charge-offs (x) | 47.6818% | 1,311 |
| Efficiency ratio | 75.2302% | 1,239 |
| Assets per employee ($millions) | 6.2574% | 2,498 |
| Cash dividends to net income (ytd only)* | 59.4059% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 1,892 |
| Loan loss allowance to noncurrent loans | 687.4510% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 2,741 |
| Noncurrent loans to loans | 0.1904% | 2,509 |
| Net loans and leases to total assets | 58.6700% | 2,902 |
| Net loans and leases to deposits | 66.1395% | 3,049 |
| Net loans and leases to core deposits | 69.7788% | 3,143 |
| Total domestic deposits to total assets | 88.7000% | 1,347 |
| Equity capital to assets | 6.3014% | 4,066 |
| Core capital (leverage) ratio | 9.3779% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $223,115,333 | 2,848 |
| Average earning assets | $209,189,667 | 2,829 |
| Average equity | $14,145,667 | 3,342 |
| Average total loans | $128,384,000 | 2,869 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 2,542 |
| Cost of funding earning assets | 0.8149% | 2,682 |
| Net interest margin | 3.5882% | 2,159 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.8391% | 1,356 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9152% | 2,808 |
| Return on assets (ROA) | 0.9152% | 2,764 |
| Pretax return on assets | 0.9152% | 3,193 |
| Return on Equity (ROE) | 14.3900% | 1,693 |
| Retained earnings to average equity (ytd only) | 7.3083% | 2,418 |
| Net charge-offs to loans | 0.0701% | 725 |
| Credit loss provision to net charge-offs | 68.1818% | 1,247 |
| Earnings coverage of net charge-offs (x) | 23.7727% | 1,399 |
| Efficiency ratio | 75.0834% | 1,240 |
| Assets per employee ($millions) | 6.2259% | 2,561 |
| Cash dividends to net income (ytd only)* | 49.2126% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 1,805 |
| Loan loss allowance to noncurrent loans | 993.1429% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,015 |
| Noncurrent loans to loans | 0.1362% | 2,824 |
| Net loans and leases to total assets | 56.5500% | 3,001 |
| Net loans and leases to deposits | 64.0122% | 3,085 |
| Net loans and leases to core deposits | 67.8507% | 3,108 |
| Total domestic deposits to total assets | 88.3400% | 1,797 |
| Equity capital to assets | 6.6215% | 3,991 |
| Core capital (leverage) ratio | 9.4041% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $222,040,000 | 2,895 |
| Average earning assets | $208,128,500 | 2,876 |
| Average equity | $14,121,000 | 3,379 |
| Average total loans | $125,622,500 | 2,927 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 2,727 |
| Cost of funding earning assets | 0.3054% | 2,106 |
| Net interest margin | 3.1607% | 2,741 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.6761% | 1,519 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8000% | 3,266 |
| Return on assets (ROA) | 0.8055% | 3,200 |
| Pretax return on assets | 0.8055% | 3,562 |
| Return on Equity (ROE) | 11.9900% | 2,035 |
| Retained earnings to average equity (ytd only) | 8.3860% | 1,859 |
| Net charge-offs to loans | 0.0370% | 1,131 |
| Credit loss provision to net charge-offs | 212.5000% | 950 |
| Earnings coverage of net charge-offs (x) | 43.4375% | 1,348 |
| Efficiency ratio | 76.0840% | 1,071 |
| Assets per employee ($millions) | 6.9333% | 1,996 |
| Cash dividends to net income (ytd only)* | 30.0526% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 970 |
| Loan loss allowance to noncurrent loans | 1,029.3814% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,076 |
| Noncurrent loans to loans | 0.1600% | 2,806 |
| Net loans and leases to total assets | 52.1100% | 3,265 |
| Net loans and leases to deposits | 57.6405% | 3,365 |
| Net loans and leases to core deposits | 59.7944% | 3,398 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 5.0302% | 4,286 |
| Core capital (leverage) ratio | 8.6130% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $220,316,750 | 2,918 |
| Average earning assets | $206,533,750 | 2,906 |
| Average equity | $14,802,000 | 3,423 |
| Average total loans | $115,324,500 | 2,976 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3207% | 2,675 |
| Cost of funding earning assets | 0.2649% | 2,091 |
| Net interest margin | 3.0557% | 2,696 |
| Noninterest income to average assets | 0.5821% | 1,815 |
| Noninterest expense to average assets | 2.7091% | 1,368 |
| Loan and lease loss provision to assets | 0.0414% | 1,834 |
| Net operating income to assets | 0.6952% | 3,322 |
| Return on assets (ROA) | 0.6952% | 3,278 |
| Pretax return on assets | 0.6952% | 3,587 |
| Return on Equity (ROE) | 9.5096% | 2,521 |
| Retained earnings to average equity (ytd only) | 6.9939% | 1,991 |
| Net charge-offs to loans | 0.0071% | 1,740 |
| Credit loss provision to net charge-offs | 1,125.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 200.2500% | 537 |
| Efficiency ratio | 78.6229% | 1,045 |
| Assets per employee ($millions) | 5.8339% | 2,889 |
| Cash dividends to net income (ytd only)* | 26.4550% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 876 |
| Loan loss allowance to noncurrent loans | 972.8155% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 3,054 |
| Noncurrent loans to loans | 0.1798% | 2,797 |
| Net loans and leases to total assets | 52.1419% | 3,137 |
| Net loans and leases to deposits | 59.3329% | 3,104 |
| Net loans and leases to core deposits | 61.7574% | 3,135 |
| Total domestic deposits to total assets | 87.8803% | 2,621 |
| Equity capital to assets | 6.1277% | 4,167 |
| Core capital (leverage) ratio | 9.0240% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,489,000 | 2,969 |
| Average earning assets | $203,813,333 | 2,966 |
| Average equity | $15,899,667 | 3,414 |
| Average total loans | $113,358,000 | 3,024 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2123% | 2,650 |
| Cost of funding earning assets | 0.2475% | 2,187 |
| Net interest margin | 2.9647% | 2,621 |
| Noninterest income to average assets | 0.5918% | 1,724 |
| Noninterest expense to average assets | 2.5982% | 1,607 |
| Loan and lease loss provision to assets | 0.0421% | 1,599 |
| Net operating income to assets | 0.7384% | 2,897 |
| Return on assets (ROA) | 0.7384% | 2,887 |
| Pretax return on assets | 0.7384% | 3,283 |
| Return on Equity (ROE) | 9.3525% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.3525% | 1,172 |
| Net charge-offs to loans | 0.1277% | 441 |
| Credit loss provision to net charge-offs | 63.8889% | 1,156 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 1,428 |
| Efficiency ratio | 76.8980% | 1,422 |
| Assets per employee ($millions) | 6.1249% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 972 |
| Loan loss allowance to noncurrent loans | 889.9543% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 3,113 |
| Noncurrent loans to loans | 0.1962% | 2,835 |
| Net loans and leases to total assets | 49.7415% | 3,201 |
| Net loans and leases to deposits | 57.6257% | 3,110 |
| Net loans and leases to core deposits | 59.8926% | 3,157 |
| Total domestic deposits to total assets | 86.3182% | 3,160 |
| Equity capital to assets | 7.1085% | 4,155 |
| Core capital (leverage) ratio | 8.9050% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,306,000 | 2,974 |
| Average earning assets | $205,213,500 | 2,963 |
| Average equity | $17,236,000 | 3,381 |
| Average total loans | $112,759,500 | 3,026 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 1,858 |
| Cost of funding earning assets | 0.2786% | 2,615 |
| Net interest margin | 3.5237% | 1,670 |
| Noninterest income to average assets | 0.7909% | 1,467 |
| Noninterest expense to average assets | 2.7900% | 1,387 |
| Loan and lease loss provision to assets | 0.0739% | 1,628 |
| Net operating income to assets | 1.2181% | 1,866 |
| Return on assets (ROA) | 1.2171% | 1,916 |
| Pretax return on assets | 1.2171% | 2,606 |
| Return on Equity (ROE) | 13.9022% | 1,217 |
| Retained earnings to average equity (ytd only) | 10.1874% | 869 |
| Net charge-offs to loans | 0.0300% | 1,640 |
| Credit loss provision to net charge-offs | 454.5455% | 848 |
| Earnings coverage of net charge-offs (x) | 79.4545% | 1,002 |
| Efficiency ratio | 68.3486% | 1,933 |
| Assets per employee ($millions) | 6.1747% | 2,591 |
| Cash dividends to net income (ytd only)* | 26.7206% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 1,002 |
| Loan loss allowance to noncurrent loans | 838.4615% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 3,169 |
| Noncurrent loans to loans | 0.2055% | 2,930 |
| Net loans and leases to total assets | 51.7916% | 3,091 |
| Net loans and leases to deposits | 61.4127% | 2,943 |
| Net loans and leases to core deposits | 63.9397% | 2,983 |
| Total domestic deposits to total assets | 84.3337% | 3,463 |
| Equity capital to assets | 8.6982% | 3,887 |
| Core capital (leverage) ratio | 8.7416% | 3,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,938,000 | 3,043 |
| Average earning assets | $189,544,600 | 3,034 |
| Average equity | $17,767,000 | 3,409 |
| Average total loans | $110,139,600 | 3,078 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 2,006 |
| Cost of funding earning assets | 0.2843% | 2,754 |
| Net interest margin | 3.5194% | 1,817 |
| Noninterest income to average assets | 0.8321% | 1,434 |
| Noninterest expense to average assets | 2.8477% | 1,222 |
| Loan and lease loss provision to assets | 0.0601% | 1,794 |
| Net operating income to assets | 1.2068% | 2,145 |
| Return on assets (ROA) | 1.2054% | 2,208 |
| Pretax return on assets | 1.2054% | 2,908 |
| Return on Equity (ROE) | 13.7448% | 1,469 |
| Retained earnings to average equity (ytd only) | 9.8612% | 1,366 |
| Net charge-offs to loans | 0.0305% | 1,442 |
| Credit loss provision to net charge-offs | 360.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 75.8800% | 1,009 |
| Efficiency ratio | 69.2095% | 1,681 |
| Assets per employee ($millions) | 6.0548% | 2,641 |
| Cash dividends to net income (ytd only)* | 28.2548% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,302 |
| Loan loss allowance to noncurrent loans | 770.1613% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 3,336 |
| Noncurrent loans to loans | 0.2097% | 3,114 |
| Net loans and leases to total assets | 54.9033% | 2,862 |
| Net loans and leases to deposits | 65.2292% | 2,706 |
| Net loans and leases to core deposits | 67.5448% | 2,818 |
| Total domestic deposits to total assets | 84.1698% | 3,416 |
| Equity capital to assets | 8.8931% | 3,931 |
| Core capital (leverage) ratio | 8.8203% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,644,000 | 3,103 |
| Average earning assets | $186,199,750 | 3,093 |
| Average equity | $17,509,250 | 3,469 |
| Average total loans | $109,201,750 | 3,128 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 2,087 |
| Cost of funding earning assets | 0.2813% | 2,961 |
| Net interest margin | 3.5114% | 1,828 |
| Noninterest income to average assets | 0.8325% | 1,447 |
| Noninterest expense to average assets | 2.8800% | 1,186 |
| Loan and lease loss provision to assets | 0.0307% | 2,365 |
| Net operating income to assets | 1.1905% | 2,222 |
| Return on assets (ROA) | 1.1905% | 2,292 |
| Pretax return on assets | 1.1905% | 2,936 |
| Return on Equity (ROE) | 13.6430% | 1,522 |
| Retained earnings to average equity (ytd only) | 10.1268% | 1,361 |
| Net charge-offs to loans | 0.0509% | 1,114 |
| Credit loss provision to net charge-offs | 111.1111% | 1,302 |
| Earnings coverage of net charge-offs (x) | 44.2222% | 1,116 |
| Efficiency ratio | 70.2244% | 1,608 |
| Assets per employee ($millions) | 5.2713% | 3,380 |
| Cash dividends to net income (ytd only)* | 25.7732% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 1,122 |
| Loan loss allowance to noncurrent loans | 230.4239% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 2,043 |
| Noncurrent loans to loans | 0.7249% | 1,635 |
| Net loans and leases to total assets | 52.9181% | 3,261 |
| Net loans and leases to deposits | 63.1914% | 3,085 |
| Net loans and leases to core deposits | 66.0280% | 3,109 |
| Total domestic deposits to total assets | 83.7426% | 3,517 |
| Equity capital to assets | 8.9469% | 3,837 |
| Core capital (leverage) ratio | 9.0027% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,552,667 | 3,134 |
| Average earning assets | $182,037,667 | 3,123 |
| Average equity | $17,063,667 | 3,504 |
| Average total loans | $106,182,333 | 3,179 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 2,375 |
| Cost of funding earning assets | 0.3030% | 2,958 |
| Net interest margin | 3.3900% | 2,136 |
| Noninterest income to average assets | 0.7599% | 1,685 |
| Noninterest expense to average assets | 2.9432% | 1,078 |
| Loan and lease loss provision to assets | 0.0315% | 2,360 |
| Net operating income to assets | 0.9321% | 3,042 |
| Return on assets (ROA) | 0.9321% | 3,118 |
| Pretax return on assets | 0.9321% | 3,536 |
| Return on Equity (ROE) | 10.8299% | 2,414 |
| Retained earnings to average equity (ytd only) | 7.1712% | 2,521 |
| Net charge-offs to loans | 0.0038% | 1,785 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 459.0000% | 206 |
| Efficiency ratio | 75.3358% | 1,196 |
| Assets per employee ($millions) | 5.2908% | 3,349 |
| Cash dividends to net income (ytd only)* | 33.7838% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 977 |
| Loan loss allowance to noncurrent loans | 599.6774% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 3,370 |
| Noncurrent loans to loans | 0.2887% | 3,068 |
| Net loans and leases to total assets | 53.9068% | 3,255 |
| Net loans and leases to deposits | 62.6257% | 3,260 |
| Net loans and leases to core deposits | 65.0869% | 3,312 |
| Total domestic deposits to total assets | 86.0779% | 2,704 |
| Equity capital to assets | 8.1605% | 4,389 |
| Core capital (leverage) ratio | 8.3331% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,539,000 | 3,162 |
| Average earning assets | $176,875,500 | 3,152 |
| Average equity | $16,399,000 | 3,568 |
| Average total loans | $103,955,000 | 3,208 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 1,861 |
| Cost of funding earning assets | 0.5243% | 2,785 |
| Net interest margin | 3.7786% | 1,559 |
| Noninterest income to average assets | 0.7785% | 1,597 |
| Noninterest expense to average assets | 3.1086% | 1,211 |
| Loan and lease loss provision to assets | 0.1671% | 2,293 |
| Net operating income to assets | 0.9870% | 2,342 |
| Return on assets (ROA) | 0.9870% | 2,481 |
| Pretax return on assets | 0.9870% | 3,082 |
| Return on Equity (ROE) | 10.5140% | 1,805 |
| Retained earnings to average equity (ytd only) | 6.0017% | 1,792 |
| Net charge-offs to loans | -0.0398% | 4,619 |
| Credit loss provision to net charge-offs | -742.1053% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9256% | 1,582 |
| Assets per employee ($millions) | 5.0086% | 3,382 |
| Cash dividends to net income (ytd only)* | 42.9172% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 803 |
| Loan loss allowance to noncurrent loans | 515.3631% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 3,312 |
| Noncurrent loans to loans | 0.3561% | 2,923 |
| Net loans and leases to total assets | 53.2479% | 3,557 |
| Net loans and leases to deposits | 62.9135% | 3,526 |
| Net loans and leases to core deposits | 65.5777% | 3,574 |
| Total domestic deposits to total assets | 84.6367% | 2,900 |
| Equity capital to assets | 9.0779% | 3,989 |
| Core capital (leverage) ratio | 8.4550% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,790,800 | 3,202 |
| Average earning assets | $155,639,600 | 3,205 |
| Average equity | $15,845,600 | 3,574 |
| Average total loans | $95,451,800 | 3,309 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,542 |
| Cost of funding earning assets | 0.5750% | 2,770 |
| Net interest margin | 3.9356% | 1,268 |
| Noninterest income to average assets | 0.7320% | 1,699 |
| Noninterest expense to average assets | 3.1612% | 1,138 |
| Loan and lease loss provision to assets | 0.2162% | 1,865 |
| Net operating income to assets | 0.9790% | 2,412 |
| Return on assets (ROA) | 0.9790% | 2,556 |
| Pretax return on assets | 0.9790% | 3,137 |
| Return on Equity (ROE) | 10.3322% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.5037% | 2,324 |
| Net charge-offs to loans | -0.0396% | 4,610 |
| Credit loss provision to net charge-offs | -953.5714% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5651% | 1,568 |
| Assets per employee ($millions) | 5.8050% | 2,442 |
| Cash dividends to net income (ytd only)* | 46.7328% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 753 |
| Loan loss allowance to noncurrent loans | 453.6160% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 3,330 |
| Noncurrent loans to loans | 0.3936% | 2,881 |
| Net loans and leases to total assets | 55.5989% | 3,657 |
| Net loans and leases to deposits | 64.8566% | 3,716 |
| Net loans and leases to core deposits | 67.6011% | 3,782 |
| Total domestic deposits to total assets | 85.7259% | 2,171 |
| Equity capital to assets | 9.1601% | 3,988 |
| Core capital (leverage) ratio | 8.8230% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,659,000 | 3,221 |
| Average earning assets | $151,638,750 | 3,225 |
| Average equity | $15,601,250 | 3,596 |
| Average total loans | $94,184,000 | 3,346 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 1,114 |
| Cost of funding earning assets | 0.6586% | 2,632 |
| Net interest margin | 4.1627% | 996 |
| Noninterest income to average assets | 0.7069% | 1,714 |
| Noninterest expense to average assets | 3.2026% | 1,152 |
| Loan and lease loss provision to assets | 0.3159% | 1,355 |
| Net operating income to assets | 1.0228% | 2,242 |
| Return on assets (ROA) | 1.0228% | 2,373 |
| Pretax return on assets | 1.0228% | 2,956 |
| Return on Equity (ROE) | 10.6618% | 1,753 |
| Retained earnings to average equity (ytd only) | 5.2394% | 2,368 |
| Net charge-offs to loans | -0.0524% | 4,693 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5217% | 1,884 |
| Assets per employee ($millions) | 5.2139% | 2,917 |
| Cash dividends to net income (ytd only)* | 50.8578% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 662 |
| Loan loss allowance to noncurrent loans | 421.7799% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 3,324 |
| Noncurrent loans to loans | 0.4250% | 2,887 |
| Net loans and leases to total assets | 57.3446% | 3,571 |
| Net loans and leases to deposits | 67.7921% | 3,587 |
| Net loans and leases to core deposits | 70.7948% | 3,654 |
| Total domestic deposits to total assets | 84.5889% | 2,533 |
| Equity capital to assets | 9.4695% | 3,685 |
| Core capital (leverage) ratio | 9.0535% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,560,333 | 3,253 |
| Average earning assets | $146,971,667 | 3,253 |
| Average equity | $15,307,000 | 3,625 |
| Average total loans | $91,621,333 | 3,382 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 2,638 |
| Cost of funding earning assets | 0.7537% | 2,650 |
| Net interest margin | 3.6409% | 2,536 |
| Noninterest income to average assets | 0.6627% | 1,793 |
| Noninterest expense to average assets | 3.2065% | 1,409 |
| Loan and lease loss provision to assets | 0.0026% | 3,700 |
| Net operating income to assets | 0.8062% | 2,888 |
| Return on assets (ROA) | 0.8062% | 2,978 |
| Pretax return on assets | 0.8062% | 3,396 |
| Return on Equity (ROE) | 8.3435% | 2,367 |
| Retained earnings to average equity (ytd only) | 1.5931% | 3,574 |
| Net charge-offs to loans | -0.0275% | 4,437 |
| Credit loss provision to net charge-offs | -16.6667% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8571% | 1,157 |
| Assets per employee ($millions) | 4.7804% | 2,897 |
| Cash dividends to net income (ytd only)* | 80.9061% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 741 |
| Loan loss allowance to noncurrent loans | 1,028.8591% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,133 |
| Noncurrent loans to loans | 0.1728% | 3,852 |
| Net loans and leases to total assets | 55.3708% | 3,880 |
| Net loans and leases to deposits | 65.6495% | 3,888 |
| Net loans and leases to core deposits | 68.7898% | 3,948 |
| Total domestic deposits to total assets | 84.3431% | 2,652 |
| Equity capital to assets | 9.5258% | 4,193 |
| Core capital (leverage) ratio | 9.6816% | 3,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,311,500 | 3,287 |
| Average earning assets | $141,175,500 | 3,293 |
| Average equity | $14,814,000 | 3,684 |
| Average total loans | $87,198,500 | 3,456 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 2,501 |
| Cost of funding earning assets | 0.7917% | 2,722 |
| Net interest margin | 3.8477% | 2,345 |
| Noninterest income to average assets | 0.7177% | 1,752 |
| Noninterest expense to average assets | 3.1799% | 1,566 |
| Loan and lease loss provision to assets | 0.0094% | 3,823 |
| Net operating income to assets | 1.0685% | 2,587 |
| Return on assets (ROA) | 1.0685% | 2,681 |
| Pretax return on assets | 1.0685% | 3,268 |
| Return on Equity (ROE) | 11.2336% | 1,800 |
| Retained earnings to average equity (ytd only) | 5.7083% | 2,024 |
| Net charge-offs to loans | -0.0169% | 4,594 |
| Credit loss provision to net charge-offs | -93.3333% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6855% | 1,528 |
| Assets per employee ($millions) | 5.2982% | 2,249 |
| Cash dividends to net income (ytd only)* | 49.1855% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7298% | 748 |
| Loan loss allowance to noncurrent loans | 941.3580% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,101 |
| Noncurrent loans to loans | 0.1838% | 3,794 |
| Net loans and leases to total assets | 56.3857% | 3,898 |
| Net loans and leases to deposits | 66.8802% | 3,903 |
| Net loans and leases to core deposits | 72.1071% | 3,853 |
| Total domestic deposits to total assets | 84.3084% | 2,748 |
| Equity capital to assets | 9.7990% | 4,099 |
| Core capital (leverage) ratio | 9.6262% | 3,928 |
| Tier 1 risk-based capital ratio | 14.5731% | 2,976 |
| Total risk-based capital ratio | 15.8283% | 2,880 |
| Memoranda: | ||
| Average total assets | $149,374,600 | 3,307 |
| Average earning assets | $137,434,200 | 3,320 |
| Average equity | $14,207,400 | 3,722 |
| Average total loans | $88,884,400 | 3,425 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 2,497 |
| Cost of funding earning assets | 0.7857% | 2,783 |
| Net interest margin | 3.8855% | 2,312 |
| Noninterest income to average assets | 0.6985% | 1,792 |
| Noninterest expense to average assets | 3.2059% | 1,458 |
| Loan and lease loss provision to assets | 0.0126% | 3,649 |
| Net operating income to assets | 1.0545% | 2,769 |
| Return on assets (ROA) | 1.0545% | 2,852 |
| Pretax return on assets | 1.0545% | 3,434 |
| Return on Equity (ROE) | 11.1749% | 1,938 |
| Retained earnings to average equity (ytd only) | 5.6018% | 2,569 |
| Net charge-offs to loans | -0.0105% | 4,386 |
| Credit loss provision to net charge-offs | -200.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0263% | 1,442 |
| Assets per employee ($millions) | 4.8490% | 2,733 |
| Cash dividends to net income (ytd only)* | 49.8721% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 846 |
| Loan loss allowance to noncurrent loans | 786.0104% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,082 |
| Noncurrent loans to loans | 0.2145% | 3,768 |
| Net loans and leases to total assets | 58.8505% | 3,791 |
| Net loans and leases to deposits | 70.7678% | 3,707 |
| Net loans and leases to core deposits | 76.3536% | 3,673 |
| Total domestic deposits to total assets | 83.1599% | 3,105 |
| Equity capital to assets | 9.8876% | 4,127 |
| Core capital (leverage) ratio | 9.7209% | 3,945 |
| Tier 1 risk-based capital ratio | 14.4395% | 3,112 |
| Total risk-based capital ratio | 15.6925% | 3,023 |
| Memoranda: | ||
| Average total assets | $148,306,000 | 3,359 |
| Average earning assets | $136,433,750 | 3,368 |
| Average equity | $13,995,250 | 3,785 |
| Average total loans | $89,065,250 | 3,456 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 2,600 |
| Cost of funding earning assets | 0.7443% | 2,921 |
| Net interest margin | 3.8785% | 2,308 |
| Noninterest income to average assets | 0.6841% | 1,782 |
| Noninterest expense to average assets | 3.2404% | 1,425 |
| Loan and lease loss provision to assets | 0.0122% | 3,517 |
| Net operating income to assets | 1.0106% | 2,877 |
| Return on assets (ROA) | 1.0106% | 2,953 |
| Pretax return on assets | 1.0106% | 3,508 |
| Return on Equity (ROE) | 10.8844% | 2,024 |
| Retained earnings to average equity (ytd only) | 5.3401% | 2,601 |
| Net charge-offs to loans | 0.0090% | 2,815 |
| Credit loss provision to net charge-offs | 225.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 188.7500% | 410 |
| Efficiency ratio | 76.0089% | 1,395 |
| Assets per employee ($millions) | 4.8534% | 2,662 |
| Cash dividends to net income (ytd only)* | 50.9383% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 828 |
| Loan loss allowance to noncurrent loans | 538.3513% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 3,813 |
| Noncurrent loans to loans | 0.3147% | 3,411 |
| Net loans and leases to total assets | 59.8636% | 3,745 |
| Net loans and leases to deposits | 71.0135% | 3,766 |
| Net loans and leases to core deposits | 77.7157% | 3,603 |
| Total domestic deposits to total assets | 84.2989% | 2,758 |
| Equity capital to assets | 9.9622% | 4,002 |
| Core capital (leverage) ratio | 9.7599% | 3,872 |
| Tier 1 risk-based capital ratio | 14.5722% | 3,030 |
| Total risk-based capital ratio | 15.8257% | 2,950 |
| Memoranda: | ||
| Average total assets | $147,634,670 | 3,382 |
| Average earning assets | $136,236,670 | 3,388 |
| Average equity | $13,707,670 | 3,830 |
| Average total loans | $88,760,000 | 3,486 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 2,857 |
| Cost of funding earning assets | 0.6823% | 3,143 |
| Net interest margin | 3.8196% | 2,450 |
| Noninterest income to average assets | 0.6646% | 1,754 |
| Noninterest expense to average assets | 3.2129% | 1,469 |
| Loan and lease loss provision to assets | 0.0135% | 3,263 |
| Net operating income to assets | 0.9633% | 2,995 |
| Return on assets (ROA) | 0.9633% | 3,040 |
| Pretax return on assets | 0.9633% | 3,573 |
| Return on Equity (ROE) | 10.7596% | 2,046 |
| Retained earnings to average equity (ytd only) | 4.7487% | 3,024 |
| Net charge-offs to loans | 0.0045% | 2,544 |
| Credit loss provision to net charge-offs | 500.0000% | 602 |
| Earnings coverage of net charge-offs (x) | 363.0000% | 220 |
| Efficiency ratio | 76.6859% | 1,417 |
| Assets per employee ($millions) | 4.5953% | 3,052 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7201% | 822 |
| Loan loss allowance to noncurrent loans | 342.6941% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,413 |
| Noncurrent loans to loans | 0.5019% | 2,810 |
| Net loans and leases to total assets | 58.3219% | 3,851 |
| Net loans and leases to deposits | 69.6920% | 3,785 |
| Net loans and leases to core deposits | 72.8416% | 3,880 |
| Total domestic deposits to total assets | 83.6853% | 3,156 |
| Equity capital to assets | 9.2689% | 4,464 |
| Core capital (leverage) ratio | 9.6009% | 4,021 |
| Tier 1 risk-based capital ratio | 14.4893% | 3,104 |
| Total risk-based capital ratio | 15.7428% | 3,030 |
| Memoranda: | ||
| Average total assets | $148,651,500 | 3,406 |
| Average earning assets | $137,188,500 | 3,409 |
| Average equity | $13,309,000 | 3,901 |
| Average total loans | $88,808,000 | 3,515 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,407 |
| Cost of funding earning assets | 0.5947% | 2,766 |
| Net interest margin | 3.9244% | 2,247 |
| Noninterest income to average assets | 0.7713% | 1,565 |
| Noninterest expense to average assets | 3.2430% | 1,445 |
| Loan and lease loss provision to assets | 0.0123% | 3,897 |
| Net operating income to assets | 1.1361% | 2,449 |
| Return on assets (ROA) | 1.1361% | 2,449 |
| Pretax return on assets | 1.1361% | 3,148 |
| Return on Equity (ROE) | 13.2141% | 1,264 |
| Retained earnings to average equity (ytd only) | 7.0163% | 1,665 |
| Net charge-offs to loans | -0.0478% | 4,958 |
| Credit loss provision to net charge-offs | -42.8571% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8488% | 1,641 |
| Assets per employee ($millions) | 4.5531% | 3,082 |
| Cash dividends to net income (ytd only)* | 46.9032% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6569% | 911 |
| Loan loss allowance to noncurrent loans | 1,497.0000% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,501 |
| Noncurrent loans to loans | 0.1107% | 4,234 |
| Net loans and leases to total assets | 59.1373% | 3,855 |
| Net loans and leases to deposits | 68.3500% | 3,950 |
| Net loans and leases to core deposits | 71.2676% | 4,041 |
| Total domestic deposits to total assets | 86.5213% | 2,008 |
| Equity capital to assets | 8.6441% | 4,850 |
| Core capital (leverage) ratio | 9.2878% | 4,364 |
| Tier 1 risk-based capital ratio | 13.8841% | 3,339 |
| Total risk-based capital ratio | 15.1372% | 3,267 |
| Memoranda: | ||
| Average total assets | $146,378,000 | 3,423 |
| Average earning assets | $135,027,000 | 3,425 |
| Average equity | $12,585,000 | 3,945 |
| Average total loans | $87,781,400 | 3,517 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 2,360 |
| Cost of funding earning assets | 0.5610% | 2,780 |
| Net interest margin | 3.9208% | 2,225 |
| Noninterest income to average assets | 0.8115% | 1,433 |
| Noninterest expense to average assets | 3.2633% | 1,390 |
| Loan and lease loss provision to assets | 0.0119% | 3,762 |
| Net operating income to assets | 1.1507% | 2,434 |
| Return on assets (ROA) | 1.1507% | 2,444 |
| Pretax return on assets | 1.1507% | 3,191 |
| Return on Equity (ROE) | 13.4032% | 1,298 |
| Retained earnings to average equity (ytd only) | 7.2089% | 2,018 |
| Net charge-offs to loans | -0.0398% | 4,849 |
| Credit loss provision to net charge-offs | -50.0000% | 4,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7311% | 1,633 |
| Assets per employee ($millions) | 4.3547% | 3,352 |
| Cash dividends to net income (ytd only)* | 46.2149% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 1,017 |
| Loan loss allowance to noncurrent loans | 1,658.4270% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,676 |
| Noncurrent loans to loans | 0.0981% | 4,453 |
| Net loans and leases to total assets | 60.3046% | 3,814 |
| Net loans and leases to deposits | 69.5051% | 3,957 |
| Net loans and leases to core deposits | 72.5038% | 4,044 |
| Total domestic deposits to total assets | 86.7628% | 1,842 |
| Equity capital to assets | 8.3534% | 5,007 |
| Core capital (leverage) ratio | 9.2428% | 4,467 |
| Tier 1 risk-based capital ratio | 13.6841% | 3,523 |
| Total risk-based capital ratio | 14.9351% | 3,438 |
| Memoranda: | ||
| Average total assets | $145,409,500 | 3,475 |
| Average earning assets | $134,049,500 | 3,477 |
| Average equity | $12,484,250 | 3,988 |
| Average total loans | $87,138,750 | 3,562 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 2,382 |
| Cost of funding earning assets | 0.5100% | 2,929 |
| Net interest margin | 3.8989% | 2,202 |
| Noninterest income to average assets | 0.7514% | 1,641 |
| Noninterest expense to average assets | 3.2603% | 1,410 |
| Loan and lease loss provision to assets | 0.0125% | 3,610 |
| Net operating income to assets | 1.0752% | 2,689 |
| Return on assets (ROA) | 1.0752% | 2,694 |
| Pretax return on assets | 1.0752% | 3,410 |
| Return on Equity (ROE) | 12.4092% | 1,579 |
| Retained earnings to average equity (ytd only) | 6.3403% | 2,389 |
| Net charge-offs to loans | -0.0442% | 4,877 |
| Credit loss provision to net charge-offs | -47.3684% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9841% | 1,563 |
| Assets per employee ($millions) | 4.2694% | 3,473 |
| Cash dividends to net income (ytd only)* | 48.9060% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 993 |
| Loan loss allowance to noncurrent loans | 1,558.5106% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,693 |
| Noncurrent loans to loans | 0.1058% | 4,441 |
| Net loans and leases to total assets | 60.1823% | 3,788 |
| Net loans and leases to deposits | 70.2929% | 3,830 |
| Net loans and leases to core deposits | 80.4494% | 3,379 |
| Total domestic deposits to total assets | 85.6165% | 2,449 |
| Equity capital to assets | 8.5596% | 4,901 |
| Core capital (leverage) ratio | 9.3474% | 4,304 |
| Tier 1 risk-based capital ratio | 13.8440% | 3,437 |
| Total risk-based capital ratio | 15.0955% | 3,349 |
| Memoranda: | ||
| Average total assets | $144,526,000 | 3,506 |
| Average earning assets | $133,321,000 | 3,509 |
| Average equity | $12,523,000 | 4,004 |
| Average total loans | $85,930,670 | 3,607 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 2,320 |
| Cost of funding earning assets | 0.4811% | 2,949 |
| Net interest margin | 3.8790% | 2,125 |
| Noninterest income to average assets | 0.8099% | 1,421 |
| Noninterest expense to average assets | 3.2619% | 1,427 |
| Loan and lease loss provision to assets | 0.0111% | 3,381 |
| Net operating income to assets | 1.1150% | 2,355 |
| Return on assets (ROA) | 1.1150% | 2,378 |
| Pretax return on assets | 1.1150% | 3,114 |
| Return on Equity (ROE) | 12.7903% | 1,321 |
| Retained earnings to average equity (ytd only) | 6.4270% | 2,539 |
| Net charge-offs to loans | 0.4545% | 335 |
| Credit loss provision to net charge-offs | 4.1667% | 2,190 |
| Earnings coverage of net charge-offs (x) | 4.2292% | 2,318 |
| Efficiency ratio | 74.3363% | 1,850 |
| Assets per employee ($millions) | 3.9184% | 4,119 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 1,192 |
| Loan loss allowance to noncurrent loans | 1,372.4490% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,744 |
| Noncurrent loans to loans | 0.1155% | 4,449 |
| Net loans and leases to total assets | 59.1857% | 3,835 |
| Net loans and leases to deposits | 69.2559% | 3,850 |
| Net loans and leases to core deposits | 76.3354% | 3,645 |
| Total domestic deposits to total assets | 85.4595% | 2,769 |
| Equity capital to assets | 8.7416% | 4,791 |
| Core capital (leverage) ratio | 9.4033% | 4,185 |
| Tier 1 risk-based capital ratio | 14.1974% | 3,281 |
| Total risk-based capital ratio | 15.4479% | 3,199 |
| Memoranda: | ||
| Average total assets | $144,209,500 | 3,543 |
| Average earning assets | $133,023,500 | 3,547 |
| Average equity | $12,572,000 | 4,036 |
| Average total loans | $84,483,500 | 3,664 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 2,253 |
| Cost of funding earning assets | 0.4466% | 2,809 |
| Net interest margin | 3.8758% | 2,163 |
| Noninterest income to average assets | 0.7743% | 1,667 |
| Noninterest expense to average assets | 3.1479% | 1,720 |
| Loan and lease loss provision to assets | 0.0299% | 3,679 |
| Net operating income to assets | 1.1358% | 1,728 |
| Return on assets (ROA) | 1.1358% | 1,763 |
| Pretax return on assets | 1.1358% | 3,038 |
| Return on Equity (ROE) | 12.3557% | 1,114 |
| Retained earnings to average equity (ytd only) | -1.0238% | 5,189 |
| Net charge-offs to loans | -0.0499% | 5,183 |
| Credit loss provision to net charge-offs | -102.4390% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9752% | 2,066 |
| Assets per employee ($millions) | 4.6049% | 3,020 |
| Cash dividends to net income (ytd only)* | 108.2863% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 935 |
| Loan loss allowance to noncurrent loans | 258.9189% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 3,328 |
| Noncurrent loans to loans | 0.6597% | 2,564 |
| Net loans and leases to total assets | 56.1198% | 4,180 |
| Net loans and leases to deposits | 65.9476% | 4,195 |
| Net loans and leases to core deposits | 72.4028% | 4,024 |
| Total domestic deposits to total assets | 85.0975% | 2,802 |
| Equity capital to assets | 8.6952% | 4,960 |
| Core capital (leverage) ratio | 9.1588% | 4,450 |
| Tier 1 risk-based capital ratio | 13.8977% | 3,420 |
| Total risk-based capital ratio | 15.1496% | 3,324 |
| Memoranda: | ||
| Average total assets | $140,251,600 | 3,611 |
| Average earning assets | $128,077,000 | 3,609 |
| Average equity | $12,892,800 | 3,999 |
| Average total loans | $82,226,400 | 3,697 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,094 |
| Cost of funding earning assets | 0.4372% | 2,837 |
| Net interest margin | 3.9176% | 1,980 |
| Noninterest income to average assets | 0.7953% | 1,611 |
| Noninterest expense to average assets | 3.1812% | 1,600 |
| Loan and lease loss provision to assets | 0.0298% | 3,521 |
| Net operating income to assets | 1.1564% | 1,854 |
| Return on assets (ROA) | 1.1564% | 1,898 |
| Pretax return on assets | 1.1564% | 3,088 |
| Return on Equity (ROE) | 12.4008% | 1,214 |
| Retained earnings to average equity (ytd only) | -1.0222% | 5,355 |
| Net charge-offs to loans | -0.0506% | 5,164 |
| Credit loss provision to net charge-offs | -100.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8395% | 2,064 |
| Assets per employee ($millions) | 4.5375% | 3,078 |
| Cash dividends to net income (ytd only)* | 108.2434% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 1,154 |
| Loan loss allowance to noncurrent loans | 562.3016% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,492 |
| Noncurrent loans to loans | 0.2919% | 3,896 |
| Net loans and leases to total assets | 60.3707% | 3,820 |
| Net loans and leases to deposits | 71.1707% | 3,854 |
| Net loans and leases to core deposits | 82.2665% | 3,263 |
| Total domestic deposits to total assets | 84.8252% | 2,790 |
| Equity capital to assets | 9.4042% | 4,541 |
| Core capital (leverage) ratio | 9.3609% | 4,335 |
| Tier 1 risk-based capital ratio | 13.6729% | 3,601 |
| Total risk-based capital ratio | 14.9278% | 3,526 |
| Memoranda: | ||
| Average total assets | $138,475,000 | 3,670 |
| Average earning assets | $126,265,000 | 3,673 |
| Average equity | $12,912,750 | 4,036 |
| Average total loans | $81,749,500 | 3,734 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 2,145 |
| Cost of funding earning assets | 0.4159% | 2,925 |
| Net interest margin | 3.8798% | 2,004 |
| Noninterest income to average assets | 0.7928% | 1,597 |
| Noninterest expense to average assets | 3.1667% | 1,663 |
| Loan and lease loss provision to assets | 0.0305% | 3,391 |
| Net operating income to assets | 1.1311% | 1,852 |
| Return on assets (ROA) | 1.1311% | 1,901 |
| Pretax return on assets | 1.1311% | 3,049 |
| Return on Equity (ROE) | 12.1646% | 1,253 |
| Retained earnings to average equity (ytd only) | -2.3580% | 5,373 |
| Net charge-offs to loans | -0.0474% | 5,151 |
| Credit loss provision to net charge-offs | -110.5263% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1634% | 2,158 |
| Assets per employee ($millions) | 4.2356% | 3,545 |
| Cash dividends to net income (ytd only)* | 119.3838% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,153 |
| Loan loss allowance to noncurrent loans | 1,858.6667% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 2,935 |
| Noncurrent loans to loans | 0.0889% | 4,775 |
| Net loans and leases to total assets | 59.3404% | 3,899 |
| Net loans and leases to deposits | 70.3837% | 3,883 |
| Net loans and leases to core deposits | 80.5475% | 3,376 |
| Total domestic deposits to total assets | 84.3098% | 3,085 |
| Equity capital to assets | 9.4817% | 4,418 |
| Core capital (leverage) ratio | 9.4989% | 4,131 |
| Tier 1 risk-based capital ratio | 13.8018% | 3,537 |
| Total risk-based capital ratio | 15.0555% | 3,454 |
| Memoranda: | ||
| Average total assets | $137,746,330 | 3,697 |
| Average earning assets | $125,521,330 | 3,712 |
| Average equity | $12,807,670 | 4,063 |
| Average total loans | $80,221,000 | 3,791 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 2,451 |
| Cost of funding earning assets | 0.3938% | 3,054 |
| Net interest margin | 3.7618% | 2,256 |
| Noninterest income to average assets | 0.6465% | 2,197 |
| Noninterest expense to average assets | 3.1741% | 1,685 |
| Loan and lease loss provision to assets | 0.0293% | 3,185 |
| Net operating income to assets | 0.8806% | 2,857 |
| Return on assets (ROA) | 0.8806% | 2,908 |
| Pretax return on assets | 0.8806% | 3,834 |
| Return on Equity (ROE) | 9.5669% | 2,159 |
| Retained earnings to average equity (ytd only) | -5.3715% | 5,407 |
| Net charge-offs to loans | -0.0256% | 4,859 |
| Credit loss provision to net charge-offs | -200.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7221% | 1,672 |
| Assets per employee ($millions) | 4.3723% | 3,382 |
| Cash dividends to net income (ytd only)* | 156.1462% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 1,023 |
| Loan loss allowance to noncurrent loans | 435.9873% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 2,086 |
| Noncurrent loans to loans | 0.4049% | 3,642 |
| Net loans and leases to total assets | 56.2019% | 4,149 |
| Net loans and leases to deposits | 66.2469% | 4,152 |
| Net loans and leases to core deposits | 76.1524% | 3,640 |
| Total domestic deposits to total assets | 84.8369% | 3,149 |
| Equity capital to assets | 9.3021% | 4,508 |
| Core capital (leverage) ratio | 9.5884% | 4,017 |
| Tier 1 risk-based capital ratio | 14.8659% | 3,038 |
| Total risk-based capital ratio | 16.1199% | 2,958 |
| Memoranda: | ||
| Average total assets | $136,732,000 | 3,741 |
| Average earning assets | $124,939,500 | 3,753 |
| Average equity | $12,585,000 | 4,122 |
| Average total loans | $78,163,000 | 3,860 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 2,296 |
| Cost of funding earning assets | 0.4244% | 2,765 |
| Net interest margin | 3.8300% | 2,211 |
| Noninterest income to average assets | 0.7038% | 2,157 |
| Noninterest expense to average assets | 3.1619% | 1,873 |
| Loan and lease loss provision to assets | 0.0477% | 3,438 |
| Net operating income to assets | 1.0134% | 2,292 |
| Return on assets (ROA) | 1.0227% | 2,352 |
| Pretax return on assets | 1.0227% | 3,395 |
| Return on Equity (ROE) | 10.7611% | 1,663 |
| Retained earnings to average equity (ytd only) | 3.1976% | 3,633 |
| Net charge-offs to loans | 0.0355% | 3,315 |
| Credit loss provision to net charge-offs | 239.2857% | 1,211 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 971 |
| Efficiency ratio | 74.8736% | 2,155 |
| Assets per employee ($millions) | 4.3101% | 3,421 |
| Cash dividends to net income (ytd only)* | 70.2853% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 1,105 |
| Loan loss allowance to noncurrent loans | 301.5590% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 1,952 |
| Noncurrent loans to loans | 0.5699% | 3,130 |
| Net loans and leases to total assets | 56.1374% | 4,257 |
| Net loans and leases to deposits | 65.6345% | 4,276 |
| Net loans and leases to core deposits | 71.3955% | 4,122 |
| Total domestic deposits to total assets | 85.5304% | 2,817 |
| Equity capital to assets | 9.1079% | 4,700 |
| Core capital (leverage) ratio | 9.3797% | 4,247 |
| Tier 1 risk-based capital ratio | 14.9285% | 2,997 |
| Total risk-based capital ratio | 16.1825% | 2,937 |
| Memoranda: | ||
| Average total assets | $140,517,200 | 3,665 |
| Average earning assets | $129,113,000 | 3,664 |
| Average equity | $13,353,600 | 4,047 |
| Average total loans | $78,866,600 | 3,825 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 2,344 |
| Cost of funding earning assets | 0.4239% | 2,795 |
| Net interest margin | 3.8245% | 2,246 |
| Noninterest income to average assets | 0.7632% | 1,920 |
| Noninterest expense to average assets | 3.2075% | 1,759 |
| Loan and lease loss provision to assets | 0.0548% | 3,163 |
| Net operating income to assets | 1.0201% | 2,331 |
| Return on assets (ROA) | 1.0201% | 2,462 |
| Pretax return on assets | 1.0201% | 3,549 |
| Return on Equity (ROE) | 10.6258% | 1,817 |
| Retained earnings to average equity (ytd only) | 3.0500% | 4,082 |
| Net charge-offs to loans | 0.0456% | 2,737 |
| Credit loss provision to net charge-offs | 214.8148% | 1,367 |
| Earnings coverage of net charge-offs (x) | 42.1472% | 1,198 |
| Efficiency ratio | 74.9007% | 2,120 |
| Assets per employee ($millions) | 4.2679% | 3,469 |
| Cash dividends to net income (ytd only)* | 71.2964% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 1,278 |
| Loan loss allowance to noncurrent loans | 91.9399% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2241% | 1,619 |
| Noncurrent loans to loans | 1.8194% | 1,129 |
| Net loans and leases to total assets | 56.1750% | 4,293 |
| Net loans and leases to deposits | 65.9977% | 4,345 |
| Net loans and leases to core deposits | 77.1334% | 3,738 |
| Total domestic deposits to total assets | 85.1167% | 2,747 |
| Equity capital to assets | 9.8330% | 4,322 |
| Core capital (leverage) ratio | 9.0372% | 4,790 |
| Tier 1 risk-based capital ratio | 14.4855% | 3,292 |
| Total risk-based capital ratio | 15.7392% | 3,224 |
| Memoranda: | ||
| Average total assets | $141,165,500 | 3,670 |
| Average earning assets | $129,894,750 | 3,673 |
| Average equity | $13,551,500 | 4,051 |
| Average total loans | $78,888,000 | 3,851 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 2,364 |
| Cost of funding earning assets | 0.4235% | 2,798 |
| Net interest margin | 3.8159% | 2,249 |
| Noninterest income to average assets | 0.7078% | 2,110 |
| Noninterest expense to average assets | 3.1259% | 1,991 |
| Loan and lease loss provision to assets | 0.0524% | 3,100 |
| Net operating income to assets | 1.0377% | 2,226 |
| Return on assets (ROA) | 1.0377% | 2,356 |
| Pretax return on assets | 1.0377% | 3,446 |
| Return on Equity (ROE) | 10.8977% | 1,685 |
| Retained earnings to average equity (ytd only) | 3.4641% | 3,687 |
| Net charge-offs to loans | 0.1353% | 1,520 |
| Credit loss provision to net charge-offs | 69.8113% | 2,478 |
| Earnings coverage of net charge-offs (x) | 14.5283% | 2,054 |
| Efficiency ratio | 74.1437% | 2,337 |
| Assets per employee ($millions) | 4.1886% | 3,588 |
| Cash dividends to net income (ytd only)* | 68.2128% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 1,500 |
| Loan loss allowance to noncurrent loans | 100.3864% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 2,052 |
| Noncurrent loans to loans | 1.6054% | 1,333 |
| Net loans and leases to total assets | 55.6881% | 4,348 |
| Net loans and leases to deposits | 65.4210% | 4,390 |
| Net loans and leases to core deposits | 78.3617% | 3,617 |
| Total domestic deposits to total assets | 85.1226% | 2,815 |
| Equity capital to assets | 9.7647% | 4,496 |
| Core capital (leverage) ratio | 9.1621% | 4,642 |
| Tier 1 risk-based capital ratio | 14.2816% | 3,444 |
| Total risk-based capital ratio | 15.5329% | 3,367 |
| Memoranda: | ||
| Average total assets | $141,273,330 | 3,689 |
| Average earning assets | $129,878,330 | 3,692 |
| Average equity | $13,452,330 | 4,084 |
| Average total loans | $78,362,670 | 3,891 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1953% | 2,492 |
| Cost of funding earning assets | 0.4134% | 2,919 |
| Net interest margin | 3.7819% | 2,366 |
| Noninterest income to average assets | 0.6652% | 2,191 |
| Noninterest expense to average assets | 3.1015% | 2,098 |
| Loan and lease loss provision to assets | 0.0256% | 3,337 |
| Net operating income to assets | 1.0234% | 2,184 |
| Return on assets (ROA) | 1.0234% | 2,301 |
| Pretax return on assets | 1.0234% | 3,393 |
| Return on Equity (ROE) | 10.8881% | 1,635 |
| Retained earnings to average equity (ytd only) | 3.3269% | 3,832 |
| Net charge-offs to loans | 0.4195% | 537 |
| Credit loss provision to net charge-offs | 11.1111% | 2,356 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 2,414 |
| Efficiency ratio | 74.7260% | 2,369 |
| Assets per employee ($millions) | 4.1992% | 3,592 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,573 |
| Loan loss allowance to noncurrent loans | 95.6120% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 2,014 |
| Noncurrent loans to loans | 1.6856% | 1,340 |
| Net loans and leases to total assets | 54.7152% | 4,383 |
| Net loans and leases to deposits | 64.8514% | 4,352 |
| Net loans and leases to core deposits | 72.1322% | 4,057 |
| Total domestic deposits to total assets | 84.3701% | 3,371 |
| Equity capital to assets | 9.6598% | 4,493 |
| Core capital (leverage) ratio | 9.0686% | 4,772 |
| Tier 1 risk-based capital ratio | 14.7700% | 3,254 |
| Total risk-based capital ratio | 16.0213% | 3,192 |
| Memoranda: | ||
| Average total assets | $140,704,500 | 3,728 |
| Average earning assets | $129,669,000 | 3,721 |
| Average equity | $13,225,500 | 4,127 |
| Average total loans | $77,241,500 | 3,937 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,205 |
| Cost of funding earning assets | 0.4078% | 3,071 |
| Net interest margin | 3.9009% | 2,027 |
| Noninterest income to average assets | 0.6774% | 2,307 |
| Noninterest expense to average assets | 3.0535% | 2,369 |
| Loan and lease loss provision to assets | 0.0102% | 4,200 |
| Net operating income to assets | 1.1756% | 1,650 |
| Return on assets (ROA) | 1.1866% | 1,676 |
| Pretax return on assets | 1.1866% | 2,708 |
| Return on Equity (ROE) | 12.8964% | 1,082 |
| Retained earnings to average equity (ytd only) | 7.2115% | 1,194 |
| Net charge-offs to loans | 0.0524% | 3,150 |
| Credit loss provision to net charge-offs | 35.0000% | 3,591 |
| Earnings coverage of net charge-offs (x) | 40.5250% | 1,169 |
| Efficiency ratio | 72.0276% | 2,908 |
| Assets per employee ($millions) | 4.3283% | 3,343 |
| Cash dividends to net income (ytd only)* | 44.0814% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 1,350 |
| Loan loss allowance to noncurrent loans | 98.1343% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 2,016 |
| Noncurrent loans to loans | 1.7308% | 1,302 |
| Net loans and leases to total assets | 53.2818% | 4,564 |
| Net loans and leases to deposits | 62.2409% | 4,616 |
| Net loans and leases to core deposits | 68.8876% | 4,384 |
| Total domestic deposits to total assets | 85.6058% | 2,815 |
| Equity capital to assets | 9.1469% | 4,974 |
| Core capital (leverage) ratio | 8.8406% | 5,067 |
| Tier 1 risk-based capital ratio | 14.4814% | 3,454 |
| Total risk-based capital ratio | 15.7351% | 3,364 |
| Memoranda: | ||
| Average total assets | $136,694,400 | 3,774 |
| Average earning assets | $124,815,800 | 3,790 |
| Average equity | $12,577,200 | 4,209 |
| Average total loans | $76,390,600 | 3,930 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,080 |
| Cost of funding earning assets | 0.4061% | 3,165 |
| Net interest margin | 3.9440% | 1,888 |
| Noninterest income to average assets | 0.6678% | 2,396 |
| Noninterest expense to average assets | 3.1005% | 2,219 |
| Loan and lease loss provision to assets | 0.0079% | 4,105 |
| Net operating income to assets | 1.1522% | 1,822 |
| Return on assets (ROA) | 1.1670% | 1,838 |
| Pretax return on assets | 1.1670% | 2,944 |
| Return on Equity (ROE) | 12.6637% | 1,206 |
| Retained earnings to average equity (ytd only) | 7.7395% | 1,361 |
| Net charge-offs to loans | 0.0788% | 2,422 |
| Credit loss provision to net charge-offs | 17.7778% | 3,382 |
| Earnings coverage of net charge-offs (x) | 26.1327% | 1,626 |
| Efficiency ratio | 72.7715% | 2,753 |
| Assets per employee ($millions) | 4.0745% | 3,749 |
| Cash dividends to net income (ytd only)* | 38.8844% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 1,560 |
| Loan loss allowance to noncurrent loans | 125.8687% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 2,524 |
| Noncurrent loans to loans | 1.3254% | 1,927 |
| Net loans and leases to total assets | 57.1655% | 4,227 |
| Net loans and leases to deposits | 66.3252% | 4,356 |
| Net loans and leases to core deposits | 73.7380% | 4,040 |
| Total domestic deposits to total assets | 86.1896% | 2,447 |
| Equity capital to assets | 9.4937% | 4,758 |
| Core capital (leverage) ratio | 9.1799% | 4,761 |
| Tier 1 risk-based capital ratio | 13.8492% | 3,938 |
| Total risk-based capital ratio | 15.1018% | 3,880 |
| Memoranda: | ||
| Average total assets | $135,159,250 | 3,843 |
| Average earning assets | $123,119,750 | 3,857 |
| Average equity | $12,455,250 | 4,274 |
| Average total loans | $76,133,250 | 3,972 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 2,142 |
| Cost of funding earning assets | 0.4037% | 3,238 |
| Net interest margin | 3.9055% | 1,956 |
| Noninterest income to average assets | 0.6411% | 2,523 |
| Noninterest expense to average assets | 3.0770% | 2,316 |
| Loan and lease loss provision to assets | 0.0030% | 4,025 |
| Net operating income to assets | 1.1197% | 1,876 |
| Return on assets (ROA) | 1.1419% | 1,876 |
| Pretax return on assets | 1.1419% | 2,999 |
| Return on Equity (ROE) | 12.5162% | 1,218 |
| Retained earnings to average equity (ytd only) | 8.1444% | 1,208 |
| Net charge-offs to loans | 0.0954% | 2,062 |
| Credit loss provision to net charge-offs | 5.5556% | 3,124 |
| Earnings coverage of net charge-offs (x) | 21.1111% | 1,689 |
| Efficiency ratio | 73.2677% | 2,788 |
| Assets per employee ($millions) | 3.8507% | 4,167 |
| Cash dividends to net income (ytd only)* | 34.9288% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 1,613 |
| Loan loss allowance to noncurrent loans | 126.1583% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 2,670 |
| Noncurrent loans to loans | 1.3442% | 2,000 |
| Net loans and leases to total assets | 56.2171% | 4,315 |
| Net loans and leases to deposits | 65.2857% | 4,405 |
| Net loans and leases to core deposits | 71.3730% | 4,187 |
| Total domestic deposits to total assets | 86.1093% | 2,637 |
| Equity capital to assets | 9.2102% | 5,004 |
| Core capital (leverage) ratio | 9.0412% | 4,902 |
| Tier 1 risk-based capital ratio | 14.0693% | 3,885 |
| Total risk-based capital ratio | 15.3220% | 3,818 |
| Memoranda: | ||
| Average total assets | $135,393,330 | 3,873 |
| Average earning assets | $123,364,330 | 3,889 |
| Average equity | $12,352,000 | 4,316 |
| Average total loans | $75,455,330 | 4,018 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 2,203 |
| Cost of funding earning assets | 0.4063% | 3,237 |
| Net interest margin | 3.8615% | 2,029 |
| Noninterest income to average assets | 0.6780% | 2,261 |
| Noninterest expense to average assets | 3.0626% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1171% | 1,804 |
| Return on assets (ROA) | 1.0641% | 2,112 |
| Pretax return on assets | 1.0641% | 3,240 |
| Return on Equity (ROE) | 11.7194% | 1,422 |
| Retained earnings to average equity (ytd only) | 7.3368% | 1,839 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2722% | 2,948 |
| Assets per employee ($millions) | 4.2251% | 3,520 |
| Cash dividends to net income (ytd only)* | 37.3961% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 1,509 |
| Loan loss allowance to noncurrent loans | 121.7984% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 2,665 |
| Noncurrent loans to loans | 1.4725% | 1,924 |
| Net loans and leases to total assets | 54.3105% | 4,410 |
| Net loans and leases to deposits | 62.5788% | 4,520 |
| Net loans and leases to core deposits | 67.8519% | 4,341 |
| Total domestic deposits to total assets | 86.7874% | 2,504 |
| Equity capital to assets | 9.2867% | 4,990 |
| Core capital (leverage) ratio | 8.8180% | 5,181 |
| Tier 1 risk-based capital ratio | 14.0801% | 3,956 |
| Total risk-based capital ratio | 15.3244% | 3,887 |
| Memoranda: | ||
| Average total assets | $135,703,000 | 3,885 |
| Average earning assets | $123,062,000 | 3,922 |
| Average equity | $12,321,500 | 4,353 |
| Average total loans | $74,646,500 | 4,059 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,938 |
| Cost of funding earning assets | 0.4351% | 3,330 |
| Net interest margin | 4.0486% | 1,743 |
| Noninterest income to average assets | 0.8116% | 1,825 |
| Noninterest expense to average assets | 3.1688% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2631% | 1,391 |
| Return on assets (ROA) | 1.2555% | 1,478 |
| Pretax return on assets | 1.2555% | 2,415 |
| Return on Equity (ROE) | 14.7845% | 814 |
| Retained earnings to average equity (ytd only) | 7.8360% | 1,082 |
| Net charge-offs to loans | 0.0729% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 30.1636% | 1,330 |
| Efficiency ratio | 71.4997% | 3,290 |
| Assets per employee ($millions) | 4.2563% | 3,441 |
| Cash dividends to net income (ytd only)* | 46.9982% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 1,537 |
| Loan loss allowance to noncurrent loans | 127.7143% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 2,876 |
| Noncurrent loans to loans | 1.4090% | 2,081 |
| Net loans and leases to total assets | 53.7298% | 4,610 |
| Net loans and leases to deposits | 61.7613% | 4,747 |
| Net loans and leases to core deposits | 67.2045% | 4,581 |
| Total domestic deposits to total assets | 86.9958% | 2,291 |
| Equity capital to assets | 8.8743% | 5,407 |
| Core capital (leverage) ratio | 8.3916% | 5,674 |
| Tier 1 risk-based capital ratio | 14.0125% | 4,084 |
| Total risk-based capital ratio | 15.2664% | 4,009 |
| Memoranda: | ||
| Average total assets | $131,342,400 | 3,948 |
| Average earning assets | $117,447,800 | 4,019 |
| Average equity | $11,153,600 | 4,529 |
| Average total loans | $75,408,600 | 4,004 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 1,941 |
| Cost of funding earning assets | 0.4464% | 3,295 |
| Net interest margin | 4.0356% | 1,767 |
| Noninterest income to average assets | 0.8299% | 1,777 |
| Noninterest expense to average assets | 3.2367% | 2,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1783% | 1,756 |
| Return on assets (ROA) | 1.1681% | 1,870 |
| Pretax return on assets | 1.1681% | 2,917 |
| Return on Equity (ROE) | 13.9187% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.2268% | 2,262 |
| Net charge-offs to loans | 0.0934% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 21.6997% | 1,663 |
| Efficiency ratio | 73.3117% | 2,936 |
| Assets per employee ($millions) | 4.1794% | 3,527 |
| Cash dividends to net income (ytd only)* | 55.2633% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7973% | 1,698 |
| Loan loss allowance to noncurrent loans | 98.8227% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4648% | 2,106 |
| Noncurrent loans to loans | 1.8187% | 1,771 |
| Net loans and leases to total assets | 54.8676% | 4,478 |
| Net loans and leases to deposits | 62.4774% | 4,697 |
| Net loans and leases to core deposits | 67.7184% | 4,535 |
| Total domestic deposits to total assets | 87.8198% | 1,854 |
| Equity capital to assets | 8.5590% | 5,753 |
| Core capital (leverage) ratio | 8.6995% | 5,440 |
| Tier 1 risk-based capital ratio | 13.6493% | 4,446 |
| Total risk-based capital ratio | 14.9039% | 4,384 |
| Memoranda: | ||
| Average total assets | $130,127,500 | 4,003 |
| Average earning assets | $115,600,500 | 4,102 |
| Average equity | $10,920,250 | 4,611 |
| Average total loans | $75,630,250 | 4,045 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 1,884 |
| Cost of funding earning assets | 0.4481% | 3,349 |
| Net interest margin | 4.0359% | 1,700 |
| Noninterest income to average assets | 0.8408% | 1,700 |
| Noninterest expense to average assets | 3.2376% | 2,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1945% | 1,609 |
| Return on assets (ROA) | 1.1821% | 1,720 |
| Pretax return on assets | 1.1821% | 2,752 |
| Return on Equity (ROE) | 14.1838% | 919 |
| Retained earnings to average equity (ytd only) | 5.8075% | 2,440 |
| Net charge-offs to loans | 0.1212% | 2,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.7391% | 1,771 |
| Efficiency ratio | 73.0487% | 3,150 |
| Assets per employee ($millions) | 4.0234% | 3,789 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 1,659 |
| Loan loss allowance to noncurrent loans | 84.1121% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.7126% | 1,908 |
| Noncurrent loans to loans | 2.2202% | 1,474 |
| Net loans and leases to total assets | 55.1010% | 4,396 |
| Net loans and leases to deposits | 62.6386% | 4,627 |
| Net loans and leases to core deposits | 68.0917% | 4,453 |
| Total domestic deposits to total assets | 87.9665% | 1,918 |
| Equity capital to assets | 8.7007% | 5,612 |
| Core capital (leverage) ratio | 8.6741% | 5,443 |
| Tier 1 risk-based capital ratio | 13.8232% | 4,376 |
| Total risk-based capital ratio | 15.0790% | 4,325 |
| Memoranda: | ||
| Average total assets | $128,922,670 | 4,056 |
| Average earning assets | $114,719,000 | 4,131 |
| Average equity | $10,744,670 | 4,665 |
| Average total loans | $75,932,330 | 4,046 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 2,131 |
| Cost of funding earning assets | 0.4457% | 3,472 |
| Net interest margin | 3.9551% | 1,910 |
| Noninterest income to average assets | 0.9984% | 1,132 |
| Noninterest expense to average assets | 3.2525% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2402% | 1,372 |
| Return on assets (ROA) | 1.2154% | 1,499 |
| Pretax return on assets | 1.2154% | 2,416 |
| Return on Equity (ROE) | 14.9106% | 786 |
| Retained earnings to average equity (ytd only) | 4.6405% | 3,333 |
| Net charge-offs to loans | -0.4321% | 6,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3948% | 3,415 |
| Assets per employee ($millions) | 4.1771% | 3,579 |
| Cash dividends to net income (ytd only)* | 68.8776% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 1,684 |
| Loan loss allowance to noncurrent loans | 77.6495% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9353% | 1,778 |
| Noncurrent loans to loans | 2.4794% | 1,396 |
| Net loans and leases to total assets | 58.2226% | 3,805 |
| Net loans and leases to deposits | 66.8449% | 3,991 |
| Net loans and leases to core deposits | 73.3945% | 3,715 |
| Total domestic deposits to total assets | 87.1010% | 2,744 |
| Equity capital to assets | 8.2500% | 5,867 |
| Core capital (leverage) ratio | 8.6178% | 5,505 |
| Tier 1 risk-based capital ratio | 13.1608% | 4,916 |
| Total risk-based capital ratio | 14.4170% | 4,843 |
| Memoranda: | ||
| Average total assets | $129,009,500 | 4,087 |
| Average earning assets | $113,978,000 | 4,179 |
| Average equity | $10,516,000 | 4,725 |
| Average total loans | $77,752,500 | 4,005 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 1,477 |
| Cost of funding earning assets | 0.5011% | 3,598 |
| Net interest margin | 4.2365% | 1,259 |
| Noninterest income to average assets | 0.6759% | 2,672 |
| Noninterest expense to average assets | 3.2023% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2219% | 1,480 |
| Return on assets (ROA) | 1.2427% | 1,473 |
| Pretax return on assets | 1.2427% | 2,406 |
| Return on Equity (ROE) | 14.8042% | 803 |
| Retained earnings to average equity (ytd only) | 6.9723% | 1,444 |
| Net charge-offs to loans | 0.0173% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 117.2308% | 404 |
| Efficiency ratio | 72.3813% | 3,403 |
| Assets per employee ($millions) | 4.0165% | 3,834 |
| Cash dividends to net income (ytd only)* | 52.9032% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7754% | 2,146 |
| Loan loss allowance to noncurrent loans | 411.7994% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 4,719 |
| Noncurrent loans to loans | 0.4311% | 4,917 |
| Net loans and leases to total assets | 60.0927% | 3,698 |
| Net loans and leases to deposits | 67.9398% | 4,062 |
| Net loans and leases to core deposits | 73.6458% | 3,875 |
| Total domestic deposits to total assets | 88.4500% | 1,927 |
| Equity capital to assets | 8.0519% | 5,980 |
| Core capital (leverage) ratio | 8.6233% | 5,512 |
| Tier 1 risk-based capital ratio | 12.9048% | 5,045 |
| Total risk-based capital ratio | 14.1594% | 4,988 |
| Memoranda: | ||
| Average total assets | $124,723,800 | 4,164 |
| Average earning assets | $110,350,400 | 4,250 |
| Average equity | $10,470,000 | 4,752 |
| Average total loans | $75,313,400 | 4,087 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 1,402 |
| Cost of funding earning assets | 0.5130% | 3,640 |
| Net interest margin | 4.2627% | 1,179 |
| Noninterest income to average assets | 0.6905% | 2,660 |
| Noninterest expense to average assets | 3.2263% | 2,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2323% | 1,525 |
| Return on assets (ROA) | 1.2603% | 1,520 |
| Pretax return on assets | 1.2603% | 2,479 |
| Return on Equity (ROE) | 14.8564% | 822 |
| Retained earnings to average equity (ytd only) | 6.7298% | 2,013 |
| Net charge-offs to loans | 0.0161% | 4,807 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 127.1083% | 417 |
| Efficiency ratio | 72.3605% | 3,338 |
| Assets per employee ($millions) | 3.8324% | 4,162 |
| Cash dividends to net income (ytd only)* | 54.7008% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7975% | 2,311 |
| Loan loss allowance to noncurrent loans | 372.1622% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 4,782 |
| Noncurrent loans to loans | 0.4830% | 4,993 |
| Net loans and leases to total assets | 61.3441% | 3,470 |
| Net loans and leases to deposits | 69.2139% | 3,905 |
| Net loans and leases to core deposits | 75.3174% | 3,696 |
| Total domestic deposits to total assets | 88.6298% | 1,763 |
| Equity capital to assets | 8.2945% | 5,922 |
| Core capital (leverage) ratio | 8.8524% | 5,323 |
| Tier 1 risk-based capital ratio | 13.0679% | 5,080 |
| Total risk-based capital ratio | 14.3229% | 5,028 |
| Memoranda: | ||
| Average total assets | $123,772,750 | 4,229 |
| Average earning assets | $109,410,250 | 4,321 |
| Average equity | $10,500,250 | 4,793 |
| Average total loans | $74,483,750 | 4,128 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 1,452 |
| Cost of funding earning assets | 0.5182% | 3,722 |
| Net interest margin | 4.2275% | 1,203 |
| Noninterest income to average assets | 0.6863% | 2,710 |
| Noninterest expense to average assets | 3.2396% | 2,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1792% | 1,644 |
| Return on assets (ROA) | 1.2034% | 1,691 |
| Pretax return on assets | 1.2034% | 2,662 |
| Return on Equity (ROE) | 14.0815% | 996 |
| Retained earnings to average equity (ytd only) | 7.0125% | 1,890 |
| Net charge-offs to loans | 0.0488% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 40.6667% | 921 |
| Efficiency ratio | 73.3139% | 3,258 |
| Assets per employee ($millions) | 3.6583% | 4,503 |
| Cash dividends to net income (ytd only)* | 50.2008% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 2,449 |
| Loan loss allowance to noncurrent loans | 456.0000% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 4,960 |
| Noncurrent loans to loans | 0.3939% | 5,287 |
| Net loans and leases to total assets | 61.9512% | 3,294 |
| Net loans and leases to deposits | 70.6072% | 3,642 |
| Net loans and leases to core deposits | 78.2003% | 3,260 |
| Total domestic deposits to total assets | 87.7406% | 2,420 |
| Equity capital to assets | 8.5898% | 5,678 |
| Core capital (leverage) ratio | 8.6345% | 5,513 |
| Tier 1 risk-based capital ratio | 12.9475% | 5,181 |
| Total risk-based capital ratio | 14.2035% | 5,113 |
| Memoranda: | ||
| Average total assets | $124,151,670 | 4,254 |
| Average earning assets | $109,616,670 | 4,345 |
| Average equity | $10,609,670 | 4,806 |
| Average total loans | $73,776,000 | 4,181 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 1,746 |
| Cost of funding earning assets | 0.5213% | 3,874 |
| Net interest margin | 4.1082% | 1,433 |
| Noninterest income to average assets | 0.5816% | 3,242 |
| Noninterest expense to average assets | 3.1844% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9788% | 2,327 |
| Return on assets (ROA) | 1.0074% | 2,309 |
| Pretax return on assets | 1.0074% | 3,315 |
| Return on Equity (ROE) | 11.8179% | 1,469 |
| Retained earnings to average equity (ytd only) | 5.4802% | 2,963 |
| Net charge-offs to loans | 0.0441% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 819 |
| Efficiency ratio | 76.4885% | 2,847 |
| Assets per employee ($millions) | 3.8700% | 4,211 |
| Cash dividends to net income (ytd only)* | 53.6278% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 2,326 |
| Loan loss allowance to noncurrent loans | 388.1690% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5552% | 5,003 |
| Noncurrent loans to loans | 0.4875% | 5,208 |
| Net loans and leases to total assets | 55.9372% | 4,088 |
| Net loans and leases to deposits | 62.9160% | 4,431 |
| Net loans and leases to core deposits | 69.4483% | 4,143 |
| Total domestic deposits to total assets | 88.9078% | 1,732 |
| Equity capital to assets | 8.4080% | 6,092 |
| Core capital (leverage) ratio | 8.3964% | 5,711 |
| Tier 1 risk-based capital ratio | 12.8749% | 5,317 |
| Total risk-based capital ratio | 14.0998% | 5,285 |
| Memoranda: | ||
| Average total assets | $125,865,500 | 4,264 |
| Average earning assets | $109,731,000 | 4,379 |
| Average equity | $10,729,500 | 4,829 |
| Average total loans | $72,585,000 | 4,247 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 1,566 |
| Cost of funding earning assets | 0.5686% | 4,656 |
| Net interest margin | 4.4277% | 1,097 |
| Noninterest income to average assets | 0.6453% | 3,022 |
| Noninterest expense to average assets | 3.3003% | 2,331 |
| Loan and lease loss provision to assets | 0.0430% | 5,315 |
| Net operating income to assets | 1.2010% | 1,599 |
| Return on assets (ROA) | 1.2165% | 1,711 |
| Pretax return on assets | 1.2165% | 2,738 |
| Return on Equity (ROE) | 13.6321% | 1,074 |
| Retained earnings to average equity (ytd only) | 6.8835% | 1,625 |
| Net charge-offs to loans | 0.1183% | 4,508 |
| Credit loss provision to net charge-offs | 60.2410% | 4,437 |
| Earnings coverage of net charge-offs (x) | 17.4217% | 1,506 |
| Efficiency ratio | 72.6240% | 3,299 |
| Assets per employee ($millions) | 3.8756% | 4,212 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 2,249 |
| Loan loss allowance to noncurrent loans | 400.5780% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 5,063 |
| Noncurrent loans to loans | 0.4782% | 5,328 |
| Net loans and leases to total assets | 57.2230% | 4,096 |
| Net loans and leases to deposits | 66.4333% | 4,224 |
| Net loans and leases to core deposits | 73.8097% | 3,809 |
| Total domestic deposits to total assets | 86.1361% | 3,282 |
| Equity capital to assets | 8.6446% | 5,912 |
| Core capital (leverage) ratio | 8.2311% | 5,960 |
| Tier 1 risk-based capital ratio | 12.9496% | 5,145 |
| Total risk-based capital ratio | 14.2063% | 5,079 |
| Memoranda: | ||
| Average total assets | $116,232,000 | 4,435 |
| Average earning assets | $102,356,200 | 4,537 |
| Average equity | $10,372,600 | 4,898 |
| Average total loans | $70,189,800 | 4,354 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0616% | 1,526 |
| Cost of funding earning assets | 0.5755% | 4,865 |
| Net interest margin | 4.4860% | 1,016 |
| Noninterest income to average assets | 0.6312% | 3,104 |
| Noninterest expense to average assets | 3.3098% | 2,246 |
| Loan and lease loss provision to assets | 0.0583% | 4,998 |
| Net operating income to assets | 1.2005% | 1,738 |
| Return on assets (ROA) | 1.2215% | 1,837 |
| Pretax return on assets | 1.2215% | 2,907 |
| Return on Equity (ROE) | 13.5722% | 1,204 |
| Retained earnings to average equity (ytd only) | 7.0908% | 2,070 |
| Net charge-offs to loans | 0.1627% | 3,818 |
| Credit loss provision to net charge-offs | 58.8235% | 4,179 |
| Earnings coverage of net charge-offs (x) | 12.6942% | 1,983 |
| Efficiency ratio | 72.4464% | 3,244 |
| Assets per employee ($millions) | 3.9193% | 4,039 |
| Cash dividends to net income (ytd only)* | 47.7553% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 2,312 |
| Loan loss allowance to noncurrent loans | 327.6442% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 5,006 |
| Noncurrent loans to loans | 0.5964% | 5,248 |
| Net loans and leases to total assets | 58.1626% | 4,109 |
| Net loans and leases to deposits | 66.5256% | 4,405 |
| Net loans and leases to core deposits | 73.6358% | 4,020 |
| Total domestic deposits to total assets | 87.4289% | 2,400 |
| Equity capital to assets | 9.0747% | 5,749 |
| Core capital (leverage) ratio | 8.6213% | 5,595 |
| Tier 1 risk-based capital ratio | 13.1048% | 5,167 |
| Total risk-based capital ratio | 14.3623% | 5,120 |
| Memoranda: | ||
| Average total assets | $114,285,000 | 4,530 |
| Average earning assets | $100,308,750 | 4,635 |
| Average equity | $10,285,500 | 4,963 |
| Average total loans | $69,648,750 | 4,407 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0872% | 1,536 |
| Cost of funding earning assets | 0.5833% | 5,046 |
| Net interest margin | 4.5039% | 988 |
| Noninterest income to average assets | 0.5866% | 3,343 |
| Noninterest expense to average assets | 3.3202% | 2,251 |
| Loan and lease loss provision to assets | 0.0707% | 4,743 |
| Net operating income to assets | 1.1662% | 1,828 |
| Return on assets (ROA) | 1.1980% | 1,922 |
| Pretax return on assets | 1.1980% | 2,934 |
| Return on Equity (ROE) | 13.3500% | 1,264 |
| Retained earnings to average equity (ytd only) | 7.1475% | 2,020 |
| Net charge-offs to loans | 0.2270% | 3,215 |
| Credit loss provision to net charge-offs | 50.6329% | 4,025 |
| Earnings coverage of net charge-offs (x) | 8.8608% | 2,235 |
| Efficiency ratio | 72.8577% | 3,259 |
| Assets per employee ($millions) | 3.5777% | 4,795 |
| Cash dividends to net income (ytd only)* | 46.4602% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8985% | 2,564 |
| Loan loss allowance to noncurrent loans | 257.2519% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 4,975 |
| Noncurrent loans to loans | 0.7380% | 5,035 |
| Net loans and leases to total assets | 60.8412% | 3,654 |
| Net loans and leases to deposits | 70.0441% | 3,893 |
| Net loans and leases to core deposits | 77.9598% | 3,522 |
| Total domestic deposits to total assets | 86.8612% | 2,853 |
| Equity capital to assets | 9.0789% | 5,603 |
| Core capital (leverage) ratio | 8.5316% | 5,609 |
| Tier 1 risk-based capital ratio | 12.8264% | 5,315 |
| Total risk-based capital ratio | 14.0845% | 5,283 |
| Memoranda: | ||
| Average total assets | $113,187,000 | 4,586 |
| Average earning assets | $99,780,330 | 4,672 |
| Average equity | $10,157,330 | 4,995 |
| Average total loans | $69,615,000 | 4,427 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 1,407 |
| Cost of funding earning assets | 0.5995% | 5,136 |
| Net interest margin | 4.5595% | 893 |
| Noninterest income to average assets | 0.5438% | 3,606 |
| Noninterest expense to average assets | 3.3198% | 2,232 |
| Loan and lease loss provision to assets | 0.1066% | 4,013 |
| Net operating income to assets | 1.0912% | 2,132 |
| Return on assets (ROA) | 1.1552% | 2,046 |
| Pretax return on assets | 1.1552% | 3,090 |
| Return on Equity (ROE) | 12.9495% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.3751% | 2,757 |
| Net charge-offs to loans | -0.0058% | 5,820 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4854% | 3,181 |
| Assets per employee ($millions) | 3.4111% | 5,323 |
| Cash dividends to net income (ytd only)* | 50.7692% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 2,135 |
| Loan loss allowance to noncurrent loans | 256.4195% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 4,891 |
| Noncurrent loans to loans | 0.8139% | 5,045 |
| Net loans and leases to total assets | 59.0992% | 3,839 |
| Net loans and leases to deposits | 67.8522% | 4,090 |
| Net loans and leases to core deposits | 74.5345% | 3,832 |
| Total domestic deposits to total assets | 87.0999% | 2,902 |
| Equity capital to assets | 9.0143% | 5,474 |
| Core capital (leverage) ratio | 8.5942% | 5,450 |
| Tier 1 risk-based capital ratio | 13.0642% | 5,161 |
| Total risk-based capital ratio | 14.3232% | 5,119 |
| Memoranda: | ||
| Average total assets | $112,538,000 | 4,638 |
| Average earning assets | $98,081,500 | 4,745 |
| Average equity | $10,039,000 | 5,030 |
| Average total loans | $68,921,500 | 4,483 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 1,674 |
| Cost of funding earning assets | 0.7384% | 5,287 |
| Net interest margin | 4.5699% | 981 |
| Noninterest income to average assets | 0.6264% | 3,029 |
| Noninterest expense to average assets | 3.4327% | 2,160 |
| Loan and lease loss provision to assets | 0.2361% | 3,845 |
| Net operating income to assets | 1.0032% | 2,181 |
| Return on assets (ROA) | 1.0032% | 2,330 |
| Pretax return on assets | 1.0032% | 3,238 |
| Return on Equity (ROE) | 12.5193% | 1,278 |
| Retained earnings to average equity (ytd only) | 6.4013% | 1,802 |
| Net charge-offs to loans | 0.1810% | 4,703 |
| Credit loss provision to net charge-offs | 203.1250% | 1,225 |
| Earnings coverage of net charge-offs (x) | 10.6641% | 1,810 |
| Efficiency ratio | 73.4745% | 3,307 |
| Assets per employee ($millions) | 3.4094% | 5,222 |
| Cash dividends to net income (ytd only)* | 48.8688% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9714% | 2,367 |
| Loan loss allowance to noncurrent loans | 221.1878% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 4,808 |
| Noncurrent loans to loans | 0.8913% | 4,904 |
| Net loans and leases to total assets | 60.9025% | 3,807 |
| Net loans and leases to deposits | 69.8555% | 4,129 |
| Net loans and leases to core deposits | 77.1662% | 3,800 |
| Total domestic deposits to total assets | 87.1835% | 2,653 |
| Equity capital to assets | 8.8267% | 5,766 |
| Core capital (leverage) ratio | 8.1618% | 6,053 |
| Tier 1 risk-based capital ratio | 12.5330% | 5,420 |
| Total risk-based capital ratio | 13.7924% | 5,402 |
| Memoranda: | ||
| Average total assets | $110,145,800 | 4,640 |
| Average earning assets | $97,507,200 | 4,699 |
| Average equity | $8,826,400 | 5,330 |
| Average total loans | $70,720,200 | 4,465 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 1,616 |
| Cost of funding earning assets | 0.7682% | 5,345 |
| Net interest margin | 4.5982% | 947 |
| Noninterest income to average assets | 0.6024% | 3,147 |
| Noninterest expense to average assets | 3.4673% | 2,026 |
| Loan and lease loss provision to assets | 0.2617% | 3,411 |
| Net operating income to assets | 0.9529% | 2,517 |
| Return on assets (ROA) | 0.9529% | 2,682 |
| Pretax return on assets | 0.9529% | 3,580 |
| Return on Equity (ROE) | 12.2098% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.1284% | 2,475 |
| Net charge-offs to loans | 0.2030% | 4,179 |
| Credit loss provision to net charge-offs | 199.0741% | 1,471 |
| Earnings coverage of net charge-offs (x) | 9.2405% | 2,078 |
| Efficiency ratio | 74.0577% | 3,170 |
| Assets per employee ($millions) | 3.4640% | 5,081 |
| Cash dividends to net income (ytd only)* | 49.8089% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8903% | 2,643 |
| Loan loss allowance to noncurrent loans | 214.3541% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 4,958 |
| Noncurrent loans to loans | 0.8818% | 5,093 |
| Net loans and leases to total assets | 61.0228% | 3,935 |
| Net loans and leases to deposits | 69.6685% | 4,349 |
| Net loans and leases to core deposits | 77.4398% | 3,982 |
| Total domestic deposits to total assets | 87.5902% | 2,297 |
| Equity capital to assets | 8.4942% | 6,301 |
| Core capital (leverage) ratio | 8.3215% | 5,945 |
| Tier 1 risk-based capital ratio | 12.1723% | 5,761 |
| Total risk-based capital ratio | 13.4301% | 5,746 |
| Memoranda: | ||
| Average total assets | $109,554,500 | 4,686 |
| Average earning assets | $97,194,750 | 4,737 |
| Average equity | $8,550,250 | 5,422 |
| Average total loans | $70,925,250 | 4,497 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 1,686 |
| Cost of funding earning assets | 0.7991% | 5,370 |
| Net interest margin | 4.5615% | 992 |
| Noninterest income to average assets | 0.6465% | 2,873 |
| Noninterest expense to average assets | 3.5251% | 1,921 |
| Loan and lease loss provision to assets | 0.2779% | 3,157 |
| Net operating income to assets | 0.9355% | 2,495 |
| Return on assets (ROA) | 0.9355% | 2,596 |
| Pretax return on assets | 0.9355% | 3,489 |
| Return on Equity (ROE) | 12.3719% | 1,392 |
| Retained earnings to average equity (ytd only) | 5.3897% | 2,745 |
| Net charge-offs to loans | 0.2145% | 3,849 |
| Credit loss provision to net charge-offs | 197.3684% | 1,536 |
| Earnings coverage of net charge-offs (x) | 8.6184% | 2,033 |
| Efficiency ratio | 74.3941% | 3,292 |
| Assets per employee ($millions) | 3.1658% | 5,707 |
| Cash dividends to net income (ytd only)* | 56.4356% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 2,674 |
| Loan loss allowance to noncurrent loans | 144.6486% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 4,372 |
| Noncurrent loans to loans | 1.3122% | 4,450 |
| Net loans and leases to total assets | 64.2462% | 3,409 |
| Net loans and leases to deposits | 73.4823% | 3,880 |
| Net loans and leases to core deposits | 82.4642% | 3,436 |
| Total domestic deposits to total assets | 87.4308% | 2,501 |
| Equity capital to assets | 8.6096% | 6,048 |
| Core capital (leverage) ratio | 8.2808% | 5,901 |
| Tier 1 risk-based capital ratio | 11.9642% | 5,813 |
| Total risk-based capital ratio | 13.2216% | 5,784 |
| Memoranda: | ||
| Average total assets | $107,968,330 | 4,759 |
| Average earning assets | $96,854,000 | 4,790 |
| Average equity | $8,163,670 | 5,559 |
| Average total loans | $70,866,670 | 4,541 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 1,754 |
| Cost of funding earning assets | 0.8437% | 5,310 |
| Net interest margin | 4.4955% | 1,083 |
| Noninterest income to average assets | 0.5882% | 3,250 |
| Noninterest expense to average assets | 3.4772% | 2,070 |
| Loan and lease loss provision to assets | 0.2774% | 2,936 |
| Net operating income to assets | 0.8545% | 2,754 |
| Return on assets (ROA) | 0.8545% | 2,820 |
| Pretax return on assets | 0.8545% | 3,686 |
| Return on Equity (ROE) | 12.1387% | 1,421 |
| Retained earnings to average equity (ytd only) | 3.9937% | 3,783 |
| Net charge-offs to loans | 0.0281% | 4,696 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 61.2000% | 484 |
| Efficiency ratio | 75.4414% | 3,255 |
| Assets per employee ($millions) | 3.4760% | 5,045 |
| Cash dividends to net income (ytd only)* | 67.0996% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 2,632 |
| Loan loss allowance to noncurrent loans | 95.1498% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 4,270 |
| Noncurrent loans to loans | 2.0162% | 3,557 |
| Net loans and leases to total assets | 63.2949% | 3,587 |
| Net loans and leases to deposits | 70.8650% | 4,215 |
| Net loans and leases to core deposits | 77.9893% | 4,020 |
| Total domestic deposits to total assets | 89.3175% | 1,584 |
| Equity capital to assets | 7.2200% | 7,001 |
| Core capital (leverage) ratio | 7.2659% | 6,879 |
| Tier 1 risk-based capital ratio | 10.4481% | 6,834 |
| Total risk-based capital ratio | 11.7048% | 6,819 |
| Memoranda: | ||
| Average total assets | $108,134,500 | 4,787 |
| Average earning assets | $96,719,000 | 4,833 |
| Average equity | $7,612,000 | 5,739 |
| Average total loans | $71,055,000 | 4,583 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7450% | 1,422 |
| Cost of funding earning assets | 1.0604% | 5,367 |
| Net interest margin | 4.6846% | 845 |
| Noninterest income to average assets | 0.6252% | 3,311 |
| Noninterest expense to average assets | 3.5724% | 1,994 |
| Loan and lease loss provision to assets | 0.4388% | 3,488 |
| Net operating income to assets | 0.6695% | 3,347 |
| Return on assets (ROA) | 0.7888% | 2,979 |
| Pretax return on assets | 0.7888% | 3,673 |
| Return on Equity (ROE) | 10.5238% | 1,750 |
| Retained earnings to average equity (ytd only) | 6.4458% | 1,587 |
| Net charge-offs to loans | 0.3088% | 4,476 |
| Credit loss provision to net charge-offs | 198.6607% | 1,589 |
| Earnings coverage of net charge-offs (x) | 5.0179% | 2,734 |
| Efficiency ratio | 76.3219% | 3,000 |
| Assets per employee ($millions) | 3.2883% | 5,457 |
| Cash dividends to net income (ytd only)* | 38.7500% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 3,035 |
| Loan loss allowance to noncurrent loans | 93.2403% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 1.3031% | 4,427 |
| Noncurrent loans to loans | 1.8754% | 3,718 |
| Net loans and leases to total assets | 65.7092% | 3,519 |
| Net loans and leases to deposits | 73.8815% | 4,213 |
| Net loans and leases to core deposits | 81.9594% | 3,912 |
| Total domestic deposits to total assets | 88.9387% | 1,695 |
| Equity capital to assets | 6.8600% | 7,154 |
| Core capital (leverage) ratio | 7.1413% | 6,949 |
| Tier 1 risk-based capital ratio | 10.2308% | 6,858 |
| Total risk-based capital ratio | 11.4861% | 6,832 |
| Memoranda: | ||
| Average total assets | $101,415,000 | 4,941 |
| Average earning assets | $87,798,800 | 5,082 |
| Average equity | $7,601,800 | 5,844 |
| Average total loans | $72,534,400 | 4,588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8715% | 1,203 |
| Cost of funding earning assets | 1.0983% | 5,426 |
| Net interest margin | 4.7733% | 714 |
| Noninterest income to average assets | 0.6383% | 3,200 |
| Noninterest expense to average assets | 3.6129% | 1,762 |
| Loan and lease loss provision to assets | 0.4282% | 3,343 |
| Net operating income to assets | 0.6798% | 3,510 |
| Return on assets (ROA) | 0.8336% | 2,998 |
| Pretax return on assets | 0.8336% | 3,790 |
| Return on Equity (ROE) | 10.8706% | 1,830 |
| Retained earnings to average equity (ytd only) | 5.4614% | 2,671 |
| Net charge-offs to loans | 0.2611% | 4,386 |
| Credit loss provision to net charge-offs | 225.3521% | 1,529 |
| Earnings coverage of net charge-offs (x) | 5.8309% | 2,667 |
| Efficiency ratio | 76.5306% | 2,851 |
| Assets per employee ($millions) | 3.2286% | 5,615 |
| Cash dividends to net income (ytd only)* | 49.7586% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 3,128 |
| Loan loss allowance to noncurrent loans | 70.5409% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.6847% | 3,915 |
| Noncurrent loans to loans | 2.4208% | 3,210 |
| Net loans and leases to total assets | 66.2346% | 3,633 |
| Net loans and leases to deposits | 74.6059% | 4,418 |
| Net loans and leases to core deposits | 83.1290% | 4,076 |
| Total domestic deposits to total assets | 88.7793% | 1,521 |
| Equity capital to assets | 7.2928% | 7,230 |
| Core capital (leverage) ratio | 7.3067% | 6,998 |
| Tier 1 risk-based capital ratio | 10.1334% | 6,992 |
| Total risk-based capital ratio | 11.3886% | 6,975 |
| Memoranda: | ||
| Average total assets | $99,640,500 | 5,063 |
| Average earning assets | $85,222,500 | 5,224 |
| Average equity | $7,641,250 | 5,902 |
| Average total loans | $72,525,000 | 4,654 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9987% | 952 |
| Cost of funding earning assets | 1.1007% | 5,664 |
| Net interest margin | 4.8979% | 540 |
| Noninterest income to average assets | 0.7397% | 2,458 |
| Noninterest expense to average assets | 3.6758% | 1,606 |
| Loan and lease loss provision to assets | 0.4726% | 2,953 |
| Net operating income to assets | 0.7787% | 3,072 |
| Return on assets (ROA) | 1.0150% | 2,210 |
| Pretax return on assets | 1.0150% | 3,060 |
| Return on Equity (ROE) | 13.0029% | 1,238 |
| Retained earnings to average equity (ytd only) | 7.6069% | 1,594 |
| Net charge-offs to loans | 0.3875% | 3,429 |
| Credit loss provision to net charge-offs | 163.1206% | 2,421 |
| Earnings coverage of net charge-offs (x) | 4.3191% | 2,993 |
| Efficiency ratio | 74.6038% | 3,348 |
| Assets per employee ($millions) | 2.8263% | 6,517 |
| Cash dividends to net income (ytd only)* | 41.4980% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 3,483 |
| Loan loss allowance to noncurrent loans | 71.4740% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.1190% | 3,350 |
| Noncurrent loans to loans | 2.2277% | 3,451 |
| Net loans and leases to total assets | 68.3368% | 3,280 |
| Net loans and leases to deposits | 77.8664% | 3,996 |
| Net loans and leases to core deposits | 85.9956% | 3,838 |
| Total domestic deposits to total assets | 87.7617% | 2,132 |
| Equity capital to assets | 7.4873% | 7,123 |
| Core capital (leverage) ratio | 7.6000% | 6,733 |
| Tier 1 risk-based capital ratio | 10.2972% | 6,838 |
| Total risk-based capital ratio | 11.5507% | 6,816 |
| Memoranda: | ||
| Average total assets | $97,339,330 | 5,159 |
| Average earning assets | $83,218,670 | 5,325 |
| Average equity | $7,598,330 | 5,925 |
| Average total loans | $72,768,330 | 4,686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0716% | 832 |
| Cost of funding earning assets | 1.0457% | 6,147 |
| Net interest margin | 5.0260% | 397 |
| Noninterest income to average assets | 0.7442% | 2,333 |
| Noninterest expense to average assets | 3.7672% | 1,379 |
| Loan and lease loss provision to assets | 0.4415% | 2,758 |
| Net operating income to assets | 0.9208% | 2,471 |
| Return on assets (ROA) | 1.2193% | 1,566 |
| Pretax return on assets | 1.2193% | 2,298 |
| Return on Equity (ROE) | 15.2863% | 824 |
| Retained earnings to average equity (ytd only) | 15.2863% | 387 |
| Net charge-offs to loans | 0.4931% | 2,584 |
| Credit loss provision to net charge-offs | 115.3846% | 3,014 |
| Earnings coverage of net charge-offs (x) | 3.5604% | 2,867 |
| Efficiency ratio | 73.4426% | 3,680 |
| Assets per employee ($millions) | 2.7131% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 4,112 |
| Loan loss allowance to noncurrent loans | 77.8742% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 3,421 |
| Noncurrent loans to loans | 1.8795% | 3,951 |
| Net loans and leases to total assets | 76.3543% | 1,470 |
| Net loans and leases to deposits | 84.5452% | 2,845 |
| Net loans and leases to core deposits | 93.4850% | 2,906 |
| Total domestic deposits to total assets | 90.3117% | 825 |
| Equity capital to assets | 8.0971% | 6,544 |
| Core capital (leverage) ratio | 7.9222% | 6,353 |
| Tier 1 risk-based capital ratio | 10.0479% | 7,000 |
| Total risk-based capital ratio | 11.3004% | 6,991 |
| Memoranda: | ||
| Average total assets | $95,136,000 | 5,282 |
| Average earning assets | $83,009,000 | 5,400 |
| Average equity | $7,588,500 | 5,982 |
| Average total loans | $73,825,000 | 4,721 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2618% | 1,094 |
| Cost of funding earning assets | 1.3029% | 6,297 |
| Net interest margin | 4.9589% | 490 |
| Noninterest income to average assets | 0.8143% | 2,336 |
| Noninterest expense to average assets | 4.0114% | 1,348 |
| Loan and lease loss provision to assets | 0.4591% | 4,072 |
| Net operating income to assets | 0.6952% | 2,952 |
| Return on assets (ROA) | 0.6952% | 3,027 |
| Pretax return on assets | 0.6952% | 3,592 |
| Return on Equity (ROE) | 8.6776% | 2,132 |
| Retained earnings to average equity (ytd only) | 3.2882% | 2,865 |
| Net charge-offs to loans | 0.4256% | 4,089 |
| Credit loss provision to net charge-offs | 139.5349% | 3,502 |
| Earnings coverage of net charge-offs (x) | 3.5083% | 3,314 |
| Efficiency ratio | 77.6555% | 3,250 |
| Assets per employee ($millions) | 2.8033% | 6,651 |
| Cash dividends to net income (ytd only)* | 62.1069% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 4,075 |
| Loan loss allowance to noncurrent loans | 59.1620% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.1330% | 3,228 |
| Noncurrent loans to loans | 2.4167% | 3,141 |
| Net loans and leases to total assets | 76.5990% | 1,672 |
| Net loans and leases to deposits | 84.4199% | 3,193 |
| Net loans and leases to core deposits | 102.3955% | 3,761 |
| Total domestic deposits to total assets | 90.7357% | 646 |
| Equity capital to assets | 7.8563% | 6,712 |
| Core capital (leverage) ratio | 7.7459% | 6,506 |
| Tier 1 risk-based capital ratio | 9.4473% | 7,261 |
| Total risk-based capital ratio | 10.6994% | 7,238 |
| Memoranda: | ||
| Average total assets | $91,490,200 | 5,351 |
| Average earning assets | $80,280,400 | 5,450 |
| Average equity | $7,329,200 | 6,164 |
| Average total loans | $70,715,800 | 4,846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3665% | 990 |
| Cost of funding earning assets | 1.3543% | 6,382 |
| Net interest margin | 5.0122% | 430 |
| Noninterest income to average assets | 0.8056% | 2,399 |
| Noninterest expense to average assets | 4.1736% | 1,059 |
| Loan and lease loss provision to assets | 0.3638% | 4,138 |
| Net operating income to assets | 0.6774% | 3,285 |
| Return on assets (ROA) | 0.6774% | 3,350 |
| Pretax return on assets | 0.6774% | 3,938 |
| Return on Equity (ROE) | 8.4137% | 2,481 |
| Retained earnings to average equity (ytd only) | 2.7437% | 3,799 |
| Net charge-offs to loans | 0.4427% | 3,467 |
| Credit loss provision to net charge-offs | 106.4655% | 4,777 |
| Earnings coverage of net charge-offs (x) | 3.0474% | 3,707 |
| Efficiency ratio | 80.0339% | 2,836 |
| Assets per employee ($millions) | 2.6478% | 6,945 |
| Cash dividends to net income (ytd only)* | 67.3906% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 3,955 |
| Loan loss allowance to noncurrent loans | 63.1545% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.6973% | 3,830 |
| Noncurrent loans to loans | 2.2148% | 3,359 |
| Net loans and leases to total assets | 75.5615% | 2,089 |
| Net loans and leases to deposits | 83.4468% | 3,746 |
| Net loans and leases to core deposits | 101.7364% | 4,182 |
| Total domestic deposits to total assets | 90.5505% | 566 |
| Equity capital to assets | 8.2321% | 6,596 |
| Core capital (leverage) ratio | 7.9910% | 6,376 |
| Tier 1 risk-based capital ratio | 9.7353% | 7,210 |
| Total risk-based capital ratio | 10.9863% | 7,167 |
| Memoranda: | ||
| Average total assets | $90,534,750 | 5,410 |
| Average earning assets | $79,644,250 | 5,501 |
| Average equity | $7,289,500 | 6,229 |
| Average total loans | $69,878,000 | 4,919 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2641% | 1,301 |
| Cost of funding earning assets | 1.3693% | 6,586 |
| Net interest margin | 4.8948% | 548 |
| Noninterest income to average assets | 0.7651% | 2,619 |
| Noninterest expense to average assets | 4.2335% | 1,033 |
| Loan and lease loss provision to assets | 0.3572% | 3,783 |
| Net operating income to assets | 0.5490% | 3,884 |
| Return on assets (ROA) | 0.5490% | 4,005 |
| Pretax return on assets | 0.5490% | 4,473 |
| Return on Equity (ROE) | 6.8699% | 3,259 |
| Retained earnings to average equity (ytd only) | 2.5935% | 3,885 |
| Net charge-offs to loans | 0.3876% | 3,260 |
| Credit loss provision to net charge-offs | 119.1176% | 3,901 |
| Earnings coverage of net charge-offs (x) | 3.0221% | 3,606 |
| Efficiency ratio | 82.3681% | 2,681 |
| Assets per employee ($millions) | 2.5423% | 7,168 |
| Cash dividends to net income (ytd only)* | 62.2490% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 3,932 |
| Loan loss allowance to noncurrent loans | 101.4599% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 4,809 |
| Noncurrent loans to loans | 1.3404% | 4,536 |
| Net loans and leases to total assets | 79.3120% | 1,454 |
| Net loans and leases to deposits | 88.1102% | 3,151 |
| Net loans and leases to core deposits | 103.5707% | 4,110 |
| Total domestic deposits to total assets | 90.0145% | 827 |
| Equity capital to assets | 8.1615% | 6,546 |
| Core capital (leverage) ratio | 8.0286% | 6,276 |
| Tier 1 risk-based capital ratio | 9.3013% | 7,534 |
| Total risk-based capital ratio | 10.5516% | 7,526 |
| Memoranda: | ||
| Average total assets | $90,704,330 | 5,437 |
| Average earning assets | $81,065,330 | 5,495 |
| Average equity | $7,249,000 | 6,283 |
| Average total loans | $70,174,000 | 4,954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0955% | 1,963 |
| Cost of funding earning assets | 1.4585% | 6,548 |
| Net interest margin | 4.6370% | 885 |
| Noninterest income to average assets | 0.7295% | 2,710 |
| Noninterest expense to average assets | 4.1107% | 1,050 |
| Loan and lease loss provision to assets | 0.1616% | 4,866 |
| Net operating income to assets | 0.6378% | 3,848 |
| Return on assets (ROA) | 0.6378% | 4,031 |
| Pretax return on assets | 0.6378% | 4,626 |
| Return on Equity (ROE) | 8.0635% | 3,120 |
| Retained earnings to average equity (ytd only) | 3.3690% | 4,008 |
| Net charge-offs to loans | 0.1094% | 4,098 |
| Credit loss provision to net charge-offs | 194.7368% | 2,267 |
| Earnings coverage of net charge-offs (x) | 9.6316% | 2,037 |
| Efficiency ratio | 83.7189% | 2,337 |
| Assets per employee ($millions) | 2.5450% | 7,190 |
| Cash dividends to net income (ytd only)* | 58.2192% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 3,285 |
| Loan loss allowance to noncurrent loans | 120.1946% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8972% | 4,946 |
| Noncurrent loans to loans | 1.1989% | 4,573 |
| Net loans and leases to total assets | 73.7560% | 2,819 |
| Net loans and leases to deposits | 81.5761% | 4,353 |
| Net loans and leases to core deposits | 96.5302% | 4,902 |
| Total domestic deposits to total assets | 90.4138% | 633 |
| Equity capital to assets | 7.9523% | 6,882 |
| Core capital (leverage) ratio | 7.8378% | 6,709 |
| Tier 1 risk-based capital ratio | 9.5688% | 7,370 |
| Total risk-based capital ratio | 10.8193% | 7,304 |
| Memoranda: | ||
| Average total assets | $91,567,000 | 5,437 |
| Average earning assets | $82,552,500 | 5,470 |
| Average equity | $7,242,500 | 6,321 |
| Average total loans | $69,489,000 | 5,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2423% | 670 |
| Cost of funding earning assets | 1.9742% | 6,498 |
| Net interest margin | 5.2681% | 296 |
| Noninterest income to average assets | 0.6950% | 3,148 |
| Noninterest expense to average assets | 4.1232% | 1,243 |
| Loan and lease loss provision to assets | 0.1364% | 5,615 |
| Net operating income to assets | 1.1114% | 2,101 |
| Return on assets (ROA) | 1.1125% | 2,012 |
| Pretax return on assets | 1.1125% | 2,984 |
| Return on Equity (ROE) | 13.8791% | 1,133 |
| Retained earnings to average equity (ytd only) | 2.0687% | 3,950 |
| Net charge-offs to loans | 0.0197% | 6,585 |
| Credit loss provision to net charge-offs | 892.3077% | 495 |
| Earnings coverage of net charge-offs (x) | 81.6154% | 513 |
| Efficiency ratio | 76.7681% | 3,108 |
| Assets per employee ($millions) | 2.4733% | 7,251 |
| Cash dividends to net income (ytd only)* | 85.0951% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 3,322 |
| Loan loss allowance to noncurrent loans | 309.9042% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 6,232 |
| Noncurrent loans to loans | 0.4445% | 6,026 |
| Net loans and leases to total assets | 75.8843% | 2,656 |
| Net loans and leases to deposits | 84.9146% | 4,271 |
| Net loans and leases to core deposits | 99.5741% | 4,864 |
| Total domestic deposits to total assets | 89.3654% | 892 |
| Equity capital to assets | 7.8666% | 7,019 |
| Core capital (leverage) ratio | 7.7852% | 6,825 |
| Tier 1 risk-based capital ratio | 9.2131% | 7,601 |
| Total risk-based capital ratio | 10.4628% | 7,551 |
| Memoranda: | ||
| Average total assets | $85,030,400 | 5,517 |
| Average earning assets | $75,473,400 | 5,611 |
| Average equity | $6,816,000 | 6,519 |
| Average total loans | $66,100,600 | 5,015 |