Home > American Eagle Bank > Performance and Condition Ratios
American Eagle Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4626% | 1,219 |
| Cost of funding earning assets | 2.8849% | 178 |
| Net interest margin | 2.5777% | 3,996 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 1.7324% | 4,095 |
| Loan and lease loss provision to assets | -0.0500% | 4,436 |
| Net operating income to assets | 0.6837% | 3,233 |
| Return on assets (ROA) | 0.6837% | 3,210 |
| Pretax return on assets | 0.9517% | 2,806 |
| Return on Equity (ROE) | 7.6600% | 3,112 |
| Retained earnings to average equity (ytd only) | 2.6073% | 3,409 |
| Net charge-offs to loans | 0.0991% | 914 |
| Credit loss provision to net charge-offs | -60.0000% | 4,462 |
| Earnings coverage of net charge-offs (x) | 10.8817% | 2,219 |
| Efficiency ratio | 65.6897% | 2,385 |
| Assets per employee ($millions) | 15.7051% | 183 |
| Cash dividends to net income (ytd only)* | 65.9472% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 4,376 |
| Loan loss allowance to noncurrent loans | 1,488.5714% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,547 |
| Noncurrent loans to loans | 0.0287% | 3,534 |
| Net loans and leases to total assets | 82.9700% | 348 |
| Net loans and leases to deposits | 103.5178% | 388 |
| Net loans and leases to core deposits | 181.3565% | 98 |
| Total domestic deposits to total assets | 80.1500% | 3,436 |
| Equity capital to assets | 8.9603% | 2,702 |
| Core capital (leverage) ratio | 9.1421% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0324% | 2,813 |
| Memoranda: | ||
| Average total assets | $426,928,800 | 1,930 |
| Average earning assets | $413,083,600 | 1,865 |
| Average equity | $38,123,400 | 1,936 |
| Average total loans | $358,081,200 | 1,584 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3512% | 1,208 |
| Cost of funding earning assets | 2.7579% | 173 |
| Net interest margin | 2.5933% | 4,041 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.7209% | 4,092 |
| Loan and lease loss provision to assets | -0.0600% | 4,495 |
| Net operating income to assets | 0.7281% | 3,236 |
| Return on assets (ROA) | 0.7281% | 3,224 |
| Pretax return on assets | 1.0135% | 2,816 |
| Return on Equity (ROE) | 8.1600% | 3,140 |
| Retained earnings to average equity (ytd only) | 3.4881% | 3,389 |
| Net charge-offs to loans | 0.0603% | 1,066 |
| Credit loss provision to net charge-offs | -133.5404% | 4,534 |
| Earnings coverage of net charge-offs (x) | 18.7640% | 1,853 |
| Efficiency ratio | 64.4170% | 2,448 |
| Assets per employee ($millions) | 15.2505% | 187 |
| Cash dividends to net income (ytd only)* | 57.2602% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4901% | 4,355 |
| Loan loss allowance to noncurrent loans | 1,526.0870% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,536 |
| Noncurrent loans to loans | 0.0321% | 3,539 |
| Net loans and leases to total assets | 83.4500% | 330 |
| Net loans and leases to deposits | 107.5671% | 257 |
| Net loans and leases to core deposits | 183.2838% | 53 |
| Total domestic deposits to total assets | 77.5800% | 3,865 |
| Equity capital to assets | 9.2163% | 2,283 |
| Core capital (leverage) ratio | 9.0436% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2476% | 2,774 |
| Memoranda: | ||
| Average total assets | $423,725,500 | 1,940 |
| Average earning assets | $409,767,500 | 1,875 |
| Average equity | $37,803,750 | 1,940 |
| Average total loans | $356,002,500 | 1,589 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 1,255 |
| Cost of funding earning assets | 2.5842% | 161 |
| Net interest margin | 2.5872% | 4,124 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.7278% | 4,114 |
| Loan and lease loss provision to assets | -0.0900% | 4,551 |
| Net operating income to assets | 0.6994% | 3,345 |
| Return on assets (ROA) | 0.6994% | 3,351 |
| Pretax return on assets | 0.9725% | 2,986 |
| Return on Equity (ROE) | 7.9300% | 3,249 |
| Retained earnings to average equity (ytd only) | 3.5026% | 3,351 |
| Net charge-offs to loans | 0.0321% | 1,251 |
| Credit loss provision to net charge-offs | -396.4912% | 4,589 |
| Earnings coverage of net charge-offs (x) | 32.5439% | 1,512 |
| Efficiency ratio | 66.3095% | 2,193 |
| Assets per employee ($millions) | 15.6684% | 168 |
| Cash dividends to net income (ytd only)* | 55.8187% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5090% | 4,373 |
| Loan loss allowance to noncurrent loans | 1,566.1017% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,520 |
| Noncurrent loans to loans | 0.0325% | 3,509 |
| Net loans and leases to total assets | 82.3400% | 394 |
| Net loans and leases to deposits | 105.8286% | 317 |
| Net loans and leases to core deposits | 190.7918% | 51 |
| Total domestic deposits to total assets | 77.8000% | 3,873 |
| Equity capital to assets | 8.8860% | 2,599 |
| Core capital (leverage) ratio | 8.9338% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1215% | 2,832 |
| Memoranda: | ||
| Average total assets | $422,629,000 | 1,943 |
| Average earning assets | $408,556,000 | 1,879 |
| Average equity | $37,286,667 | 1,968 |
| Average total loans | $355,303,667 | 1,581 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 1,601 |
| Cost of funding earning assets | 2.2938% | 156 |
| Net interest margin | 2.5154% | 4,290 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.7425% | 4,133 |
| Loan and lease loss provision to assets | -0.1900% | 4,620 |
| Net operating income to assets | 0.7159% | 3,431 |
| Return on assets (ROA) | 0.7159% | 3,383 |
| Pretax return on assets | 0.9967% | 3,007 |
| Return on Equity (ROE) | 8.1500% | 3,250 |
| Retained earnings to average equity (ytd only) | 3.7543% | 3,336 |
| Net charge-offs to loans | -0.0376% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.4350% | 1,927 |
| Assets per employee ($millions) | 16.0727% | 163 |
| Cash dividends to net income (ytd only)* | 53.9084% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5416% | 4,412 |
| Loan loss allowance to noncurrent loans | 2,643.8356% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 3,656 |
| Noncurrent loans to loans | 0.0205% | 3,630 |
| Net loans and leases to total assets | 81.6600% | 401 |
| Net loans and leases to deposits | 102.5321% | 344 |
| Net loans and leases to core deposits | 184.9880% | 48 |
| Total domestic deposits to total assets | 79.6500% | 3,814 |
| Equity capital to assets | 8.4443% | 2,938 |
| Core capital (leverage) ratio | 9.1507% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6879% | 2,977 |
| Memoranda: | ||
| Average total assets | $414,586,500 | 1,992 |
| Average earning assets | $400,728,500 | 1,933 |
| Average equity | $36,438,000 | 2,026 |
| Average total loans | $351,417,500 | 1,609 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 929 |
| Cost of funding earning assets | 1.0692% | 130 |
| Net interest margin | 3.3021% | 2,558 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.9169% | 3,797 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 0.8819% | 3,039 |
| Return on assets (ROA) | 0.8819% | 2,977 |
| Pretax return on assets | 1.2234% | 2,362 |
| Return on Equity (ROE) | 9.6300% | 2,933 |
| Retained earnings to average equity (ytd only) | 5.7310% | 2,738 |
| Net charge-offs to loans | 0.1553% | 533 |
| Credit loss provision to net charge-offs | 180.5031% | 1,181 |
| Earnings coverage of net charge-offs (x) | 11.3208% | 2,155 |
| Efficiency ratio | 56.8414% | 3,485 |
| Assets per employee ($millions) | 14.1147% | 238 |
| Cash dividends to net income (ytd only)* | 40.4645% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 4,325 |
| Loan loss allowance to noncurrent loans | 3,001.4085% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,669 |
| Noncurrent loans to loans | 0.0205% | 3,665 |
| Net loans and leases to total assets | 87.1400% | 98 |
| Net loans and leases to deposits | 104.1058% | 296 |
| Net loans and leases to core deposits | 176.9116% | 42 |
| Total domestic deposits to total assets | 83.7000% | 3,273 |
| Equity capital to assets | 9.1675% | 2,248 |
| Core capital (leverage) ratio | 9.2952% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7870% | 2,994 |
| Memoranda: | ||
| Average total assets | $371,020,600 | 2,138 |
| Average earning assets | $357,834,400 | 2,076 |
| Average equity | $33,990,800 | 2,152 |
| Average total loans | $307,171,800 | 1,694 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 850 |
| Cost of funding earning assets | 0.7999% | 153 |
| Net interest margin | 3.4238% | 1,900 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.9336% | 3,660 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.9568% | 2,636 |
| Return on assets (ROA) | 0.9568% | 2,608 |
| Pretax return on assets | 1.3276% | 1,959 |
| Return on Equity (ROE) | 10.4500% | 2,592 |
| Retained earnings to average equity (ytd only) | 5.1648% | 3,044 |
| Net charge-offs to loans | 0.1565% | 414 |
| Credit loss provision to net charge-offs | 190.5444% | 1,002 |
| Earnings coverage of net charge-offs (x) | 12.3181% | 1,922 |
| Efficiency ratio | 55.1814% | 3,698 |
| Assets per employee ($millions) | 13.6621% | 256 |
| Cash dividends to net income (ytd only)* | 50.5536% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 4,358 |
| Loan loss allowance to noncurrent loans | 2,750.6667% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,748 |
| Noncurrent loans to loans | 0.0226% | 3,741 |
| Net loans and leases to total assets | 86.3100% | 102 |
| Net loans and leases to deposits | 103.5143% | 249 |
| Net loans and leases to core deposits | 156.9755% | 49 |
| Total domestic deposits to total assets | 83.3800% | 3,629 |
| Equity capital to assets | 9.2537% | 2,036 |
| Core capital (leverage) ratio | 9.4917% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9785% | 3,042 |
| Memoranda: | ||
| Average total assets | $364,973,000 | 2,170 |
| Average earning assets | $351,880,000 | 2,115 |
| Average equity | $33,430,750 | 2,214 |
| Average total loans | $297,335,750 | 1,723 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 774 |
| Cost of funding earning assets | 0.6853% | 170 |
| Net interest margin | 3.4086% | 1,577 |
| Noninterest income to average assets | 0.1933% | 4,032 |
| Noninterest expense to average assets | 1.8740% | 3,770 |
| Loan and lease loss provision to assets | 0.2423% | 307 |
| Net operating income to assets | 0.9819% | 2,221 |
| Return on assets (ROA) | 0.9819% | 2,196 |
| Pretax return on assets | 1.3622% | 1,544 |
| Return on Equity (ROE) | 10.7583% | 2,069 |
| Retained earnings to average equity (ytd only) | 2.6789% | 3,554 |
| Net charge-offs to loans | 0.1421% | 460 |
| Credit loss provision to net charge-offs | 214.2857% | 940 |
| Earnings coverage of net charge-offs (x) | 14.1921% | 1,662 |
| Efficiency ratio | 53.8745% | 3,975 |
| Assets per employee ($millions) | 13.8044% | 244 |
| Cash dividends to net income (ytd only)* | 75.0993% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6275% | 4,436 |
| Loan loss allowance to noncurrent loans | 2,570.1299% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,797 |
| Noncurrent loans to loans | 0.0244% | 3,778 |
| Net loans and leases to total assets | 84.0877% | 186 |
| Net loans and leases to deposits | 98.9430% | 311 |
| Net loans and leases to core deposits | 146.6113% | 61 |
| Total domestic deposits to total assets | 84.9860% | 3,486 |
| Equity capital to assets | 8.9896% | 2,391 |
| Core capital (leverage) ratio | 9.5265% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0739% | 3,004 |
| Memoranda: | ||
| Average total assets | $359,117,667 | 2,206 |
| Average earning assets | $346,122,667 | 2,156 |
| Average equity | $32,774,667 | 2,282 |
| Average total loans | $285,705,000 | 1,775 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 807 |
| Cost of funding earning assets | 0.7035% | 150 |
| Net interest margin | 3.2711% | 1,646 |
| Noninterest income to average assets | 0.1964% | 3,982 |
| Noninterest expense to average assets | 1.8404% | 3,838 |
| Loan and lease loss provision to assets | 0.1873% | 402 |
| Net operating income to assets | 0.9491% | 2,076 |
| Return on assets (ROA) | 0.9491% | 2,068 |
| Pretax return on assets | 1.3204% | 1,447 |
| Return on Equity (ROE) | 10.3181% | 1,849 |
| Retained earnings to average equity (ytd only) | 4.3321% | 2,831 |
| Net charge-offs to loans | 0.1846% | 328 |
| Credit loss provision to net charge-offs | 132.0000% | 897 |
| Earnings coverage of net charge-offs (x) | 10.6240% | 1,459 |
| Efficiency ratio | 54.9678% | 3,978 |
| Assets per employee ($millions) | 13.5810% | 273 |
| Cash dividends to net income (ytd only)* | 58.0144% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6452% | 4,465 |
| Loan loss allowance to noncurrent loans | 3,646.9388% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,924 |
| Noncurrent loans to loans | 0.0177% | 3,870 |
| Net loans and leases to total assets | 77.9374% | 379 |
| Net loans and leases to deposits | 88.5232% | 593 |
| Net loans and leases to core deposits | 126.1562% | 115 |
| Total domestic deposits to total assets | 88.0418% | 2,504 |
| Equity capital to assets | 9.1956% | 2,529 |
| Core capital (leverage) ratio | 9.2859% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1623% | 2,855 |
| Memoranda: | ||
| Average total assets | $352,317,000 | 2,243 |
| Average earning assets | $339,458,000 | 2,191 |
| Average equity | $32,409,000 | 2,363 |
| Average total loans | $270,862,500 | 1,833 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 1,107 |
| Cost of funding earning assets | 0.9566% | 86 |
| Net interest margin | 3.1772% | 2,663 |
| Noninterest income to average assets | 0.4318% | 2,893 |
| Noninterest expense to average assets | 1.8978% | 3,927 |
| Loan and lease loss provision to assets | 0.0856% | 1,435 |
| Net operating income to assets | 1.0846% | 2,354 |
| Return on assets (ROA) | 1.0846% | 2,424 |
| Pretax return on assets | 1.5051% | 1,705 |
| Return on Equity (ROE) | 12.0370% | 1,804 |
| Retained earnings to average equity (ytd only) | 3.4054% | 3,456 |
| Net charge-offs to loans | 0.1534% | 625 |
| Credit loss provision to net charge-offs | 75.5000% | 1,984 |
| Earnings coverage of net charge-offs (x) | 14.0350% | 2,053 |
| Efficiency ratio | 54.4022% | 3,888 |
| Assets per employee ($millions) | 13.0196% | 317 |
| Cash dividends to net income (ytd only)* | 71.7085% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6599% | 4,482 |
| Loan loss allowance to noncurrent loans | 34,940.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,051 |
| Noncurrent loans to loans | 0.0019% | 4,116 |
| Net loans and leases to total assets | 74.8132% | 599 |
| Net loans and leases to deposits | 84.9778% | 852 |
| Net loans and leases to core deposits | 122.3676% | 147 |
| Total domestic deposits to total assets | 88.0385% | 2,023 |
| Equity capital to assets | 9.2021% | 3,420 |
| Core capital (leverage) ratio | 9.1080% | 3,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5858% | 2,755 |
| Memoranda: | ||
| Average total assets | $352,942,600 | 2,182 |
| Average earning assets | $339,541,000 | 2,130 |
| Average equity | $31,802,000 | 2,431 |
| Average total loans | $260,679,400 | 1,878 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 1,156 |
| Cost of funding earning assets | 0.9970% | 85 |
| Net interest margin | 3.1685% | 2,835 |
| Noninterest income to average assets | 0.2374% | 3,980 |
| Noninterest expense to average assets | 1.8643% | 4,025 |
| Loan and lease loss provision to assets | 0.1056% | 1,146 |
| Net operating income to assets | 0.9480% | 3,088 |
| Return on assets (ROA) | 0.9480% | 3,167 |
| Pretax return on assets | 1.3148% | 2,586 |
| Return on Equity (ROE) | 10.5770% | 2,530 |
| Retained earnings to average equity (ytd only) | 1.9663% | 4,192 |
| Net charge-offs to loans | 0.1782% | 484 |
| Credit loss provision to net charge-offs | 80.6916% | 1,710 |
| Earnings coverage of net charge-offs (x) | 10.8473% | 2,023 |
| Efficiency ratio | 56.7555% | 3,444 |
| Assets per employee ($millions) | 12.7778% | 318 |
| Cash dividends to net income (ytd only)* | 81.4092% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6927% | 4,518 |
| Loan loss allowance to noncurrent loans | 3,232.7273% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,018 |
| Noncurrent loans to loans | 0.0214% | 4,042 |
| Net loans and leases to total assets | 71.2486% | 955 |
| Net loans and leases to deposits | 80.7324% | 1,219 |
| Net loans and leases to core deposits | 114.8144% | 245 |
| Total domestic deposits to total assets | 88.2527% | 1,687 |
| Equity capital to assets | 8.8899% | 3,934 |
| Core capital (leverage) ratio | 8.8826% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8466% | 2,757 |
| Memoranda: | ||
| Average total assets | $353,296,000 | 2,197 |
| Average earning assets | $339,796,500 | 2,151 |
| Average equity | $31,665,500 | 2,471 |
| Average total loans | $259,665,000 | 1,912 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 1,122 |
| Cost of funding earning assets | 1.0462% | 89 |
| Net interest margin | 3.1864% | 2,792 |
| Noninterest income to average assets | 0.2337% | 4,005 |
| Noninterest expense to average assets | 1.8590% | 4,054 |
| Loan and lease loss provision to assets | 0.1023% | 1,238 |
| Net operating income to assets | 0.9625% | 3,026 |
| Return on assets (ROA) | 0.9625% | 3,107 |
| Pretax return on assets | 1.3354% | 2,533 |
| Return on Equity (ROE) | 10.7089% | 2,526 |
| Retained earnings to average equity (ytd only) | 3.1184% | 3,807 |
| Net charge-offs to loans | 0.2064% | 415 |
| Credit loss provision to net charge-offs | 66.9145% | 1,534 |
| Earnings coverage of net charge-offs (x) | 9.4015% | 1,836 |
| Efficiency ratio | 56.3890% | 3,496 |
| Assets per employee ($millions) | 12.7479% | 295 |
| Cash dividends to net income (ytd only)* | 70.8801% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 4,547 |
| Loan loss allowance to noncurrent loans | 2,372.9730% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,062 |
| Noncurrent loans to loans | 0.0291% | 4,063 |
| Net loans and leases to total assets | 70.6913% | 1,128 |
| Net loans and leases to deposits | 80.0825% | 1,417 |
| Net loans and leases to core deposits | 112.3741% | 312 |
| Total domestic deposits to total assets | 88.2732% | 1,686 |
| Equity capital to assets | 8.9177% | 3,872 |
| Core capital (leverage) ratio | 8.9076% | 3,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0303% | 2,708 |
| Memoranda: | ||
| Average total assets | $351,802,333 | 2,198 |
| Average earning assets | $338,185,667 | 2,148 |
| Average equity | $31,618,667 | 2,468 |
| Average total loans | $260,657,000 | 1,910 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 959 |
| Cost of funding earning assets | 1.0850% | 92 |
| Net interest margin | 3.2717% | 2,478 |
| Noninterest income to average assets | 0.2188% | 4,078 |
| Noninterest expense to average assets | 1.8990% | 3,984 |
| Loan and lease loss provision to assets | 0.1145% | 1,202 |
| Net operating income to assets | 0.9713% | 2,903 |
| Return on assets (ROA) | 0.9713% | 2,996 |
| Pretax return on assets | 1.3481% | 2,436 |
| Return on Equity (ROE) | 10.7640% | 2,433 |
| Retained earnings to average equity (ytd only) | 4.4173% | 3,386 |
| Net charge-offs to loans | 0.1955% | 416 |
| Credit loss provision to net charge-offs | 77.5194% | 1,220 |
| Earnings coverage of net charge-offs (x) | 9.8992% | 1,517 |
| Efficiency ratio | 56.4906% | 3,492 |
| Assets per employee ($millions) | 12.3645% | 317 |
| Cash dividends to net income (ytd only)* | 58.9623% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 4,571 |
| Loan loss allowance to noncurrent loans | 3,301.8182% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,196 |
| Noncurrent loans to loans | 0.0212% | 4,180 |
| Net loans and leases to total assets | 71.7191% | 1,065 |
| Net loans and leases to deposits | 82.1408% | 1,327 |
| Net loans and leases to core deposits | 114.6728% | 308 |
| Total domestic deposits to total assets | 87.3124% | 2,175 |
| Equity capital to assets | 8.8323% | 3,852 |
| Core capital (leverage) ratio | 9.1131% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9875% | 2,673 |
| Memoranda: | ||
| Average total assets | $349,232,500 | 2,193 |
| Average earning assets | $335,482,000 | 2,148 |
| Average equity | $31,512,500 | 2,465 |
| Average total loans | $263,944,000 | 1,902 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,146 |
| Cost of funding earning assets | 1.5008% | 83 |
| Net interest margin | 3.0739% | 3,691 |
| Noninterest income to average assets | 0.2585% | 3,933 |
| Noninterest expense to average assets | 1.8755% | 4,360 |
| Loan and lease loss provision to assets | 0.1394% | 2,615 |
| Net operating income to assets | 0.8311% | 2,978 |
| Return on assets (ROA) | 0.8748% | 2,945 |
| Pretax return on assets | 1.2103% | 2,292 |
| Return on Equity (ROE) | 9.5777% | 2,165 |
| Retained earnings to average equity (ytd only) | -3.4982% | 4,794 |
| Net charge-offs to loans | 0.2407% | 723 |
| Credit loss provision to net charge-offs | 73.5905% | 3,026 |
| Earnings coverage of net charge-offs (x) | 6.8338% | 2,744 |
| Efficiency ratio | 59.1667% | 3,570 |
| Assets per employee ($millions) | 12.1391% | 312 |
| Cash dividends to net income (ytd only)* | 136.5243% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 4,607 |
| Loan loss allowance to noncurrent loans | 1,238.2550% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 3,350 |
| Noncurrent loans to loans | 0.0554% | 4,071 |
| Net loans and leases to total assets | 78.5725% | 544 |
| Net loans and leases to deposits | 90.5529% | 883 |
| Net loans and leases to core deposits | 130.7336% | 195 |
| Total domestic deposits to total assets | 86.7697% | 2,049 |
| Equity capital to assets | 9.2249% | 3,864 |
| Core capital (leverage) ratio | 9.0841% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3641% | 2,830 |
| Memoranda: | ||
| Average total assets | $355,852,600 | 2,021 |
| Average earning assets | $337,028,000 | 1,995 |
| Average equity | $32,502,600 | 2,357 |
| Average total loans | $280,043,400 | 1,773 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 880 |
| Cost of funding earning assets | 1.5480% | 100 |
| Net interest margin | 3.2513% | 3,332 |
| Noninterest income to average assets | 0.3504% | 3,367 |
| Noninterest expense to average assets | 1.9150% | 4,303 |
| Loan and lease loss provision to assets | 0.2171% | 1,848 |
| Net operating income to assets | 0.9731% | 2,438 |
| Return on assets (ROA) | 1.0271% | 2,364 |
| Pretax return on assets | 1.4115% | 1,691 |
| Return on Equity (ROE) | 11.9409% | 1,386 |
| Retained earnings to average equity (ytd only) | 5.5005% | 2,325 |
| Net charge-offs to loans | 0.2800% | 567 |
| Credit loss provision to net charge-offs | 94.3601% | 2,672 |
| Earnings coverage of net charge-offs (x) | 6.7809% | 2,628 |
| Efficiency ratio | 55.1056% | 4,024 |
| Assets per employee ($millions) | 12.2289% | 308 |
| Cash dividends to net income (ytd only)* | 53.9359% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 4,584 |
| Loan loss allowance to noncurrent loans | 1,420.3704% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 2,533 |
| Noncurrent loans to loans | 0.0491% | 4,183 |
| Net loans and leases to total assets | 85.1090% | 203 |
| Net loans and leases to deposits | 97.6308% | 648 |
| Net loans and leases to core deposits | 142.7643% | 151 |
| Total domestic deposits to total assets | 87.1744% | 1,594 |
| Equity capital to assets | 9.0917% | 4,040 |
| Core capital (leverage) ratio | 8.9732% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5199% | 3,026 |
| Memoranda: | ||
| Average total assets | $267,140,500 | 2,460 |
| Average earning assets | $256,754,500 | 2,399 |
| Average equity | $22,979,250 | 2,938 |
| Average total loans | $219,548,750 | 2,108 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8729% | 1,019 |
| Cost of funding earning assets | 1.6764% | 84 |
| Net interest margin | 3.1966% | 3,677 |
| Noninterest income to average assets | 0.3430% | 3,417 |
| Noninterest expense to average assets | 1.9003% | 4,420 |
| Loan and lease loss provision to assets | 0.2476% | 1,698 |
| Net operating income to assets | 0.9193% | 2,628 |
| Return on assets (ROA) | 0.9993% | 2,452 |
| Pretax return on assets | 1.3674% | 1,812 |
| Return on Equity (ROE) | 11.8304% | 1,373 |
| Retained earnings to average equity (ytd only) | 7.1053% | 1,618 |
| Net charge-offs to loans | 0.2899% | 548 |
| Credit loss provision to net charge-offs | 105.3459% | 2,363 |
| Earnings coverage of net charge-offs (x) | 6.4403% | 2,439 |
| Efficiency ratio | 55.6614% | 3,987 |
| Assets per employee ($millions) | 11.1090% | 375 |
| Cash dividends to net income (ytd only)* | 39.9408% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7013% | 4,561 |
| Loan loss allowance to noncurrent loans | 276.1821% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 2,697 |
| Noncurrent loans to loans | 0.2539% | 3,471 |
| Net loans and leases to total assets | 83.7492% | 272 |
| Net loans and leases to deposits | 95.7902% | 817 |
| Net loans and leases to core deposits | 141.2688% | 156 |
| Total domestic deposits to total assets | 87.4298% | 1,441 |
| Equity capital to assets | 8.7062% | 4,347 |
| Core capital (leverage) ratio | 8.5850% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1922% | 3,138 |
| Memoranda: | ||
| Average total assets | $270,585,333 | 2,409 |
| Average earning assets | $259,966,667 | 2,360 |
| Average equity | $22,856,333 | 2,939 |
| Average total loans | $219,365,333 | 2,089 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,556 |
| Cost of funding earning assets | 1.8627% | 60 |
| Net interest margin | 2.8877% | 4,451 |
| Noninterest income to average assets | 0.4226% | 2,952 |
| Noninterest expense to average assets | 2.0017% | 4,387 |
| Loan and lease loss provision to assets | 0.2201% | 1,403 |
| Net operating income to assets | 0.7231% | 3,191 |
| Return on assets (ROA) | 0.8820% | 2,676 |
| Pretax return on assets | 1.1843% | 2,249 |
| Return on Equity (ROE) | 10.6003% | 1,533 |
| Retained earnings to average equity (ytd only) | 10.6003% | 629 |
| Net charge-offs to loans | 0.2825% | 525 |
| Credit loss provision to net charge-offs | 98.0392% | 1,866 |
| Earnings coverage of net charge-offs (x) | 5.3595% | 2,065 |
| Efficiency ratio | 62.4542% | 3,443 |
| Assets per employee ($millions) | 10.3871% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 4,580 |
| Loan loss allowance to noncurrent loans | 943.6364% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 4,184 |
| Noncurrent loans to loans | 0.0760% | 4,210 |
| Net loans and leases to total assets | 79.7989% | 718 |
| Net loans and leases to deposits | 89.5797% | 1,557 |
| Net loans and leases to core deposits | 136.0777% | 202 |
| Total domestic deposits to total assets | 89.0815% | 627 |
| Equity capital to assets | 8.5165% | 4,823 |
| Core capital (leverage) ratio | 8.4042% | 4,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1261% | 3,309 |
| Memoranda: | ||
| Average total assets | $272,570,500 | 2,356 |
| Average earning assets | $262,631,500 | 2,305 |
| Average equity | $22,678,500 | 2,950 |
| Average total loans | $216,615,500 | 2,069 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1859% | 1,025 |
| Cost of funding earning assets | 1.9970% | 64 |
| Net interest margin | 3.1889% | 4,208 |
| Noninterest income to average assets | 0.3945% | 3,328 |
| Noninterest expense to average assets | 1.9748% | 4,576 |
| Loan and lease loss provision to assets | 0.2821% | 617 |
| Net operating income to assets | 0.8588% | 3,359 |
| Return on assets (ROA) | 0.8788% | 3,372 |
| Pretax return on assets | 1.2385% | 2,707 |
| Return on Equity (ROE) | 11.1270% | 1,832 |
| Retained earnings to average equity (ytd only) | 8.1122% | 946 |
| Net charge-offs to loans | 0.3384% | 606 |
| Credit loss provision to net charge-offs | 109.0652% | 2,284 |
| Earnings coverage of net charge-offs (x) | 5.7819% | 3,047 |
| Efficiency ratio | 56.9091% | 4,101 |
| Assets per employee ($millions) | 10.1880% | 345 |
| Cash dividends to net income (ytd only)* | 27.0946% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7217% | 4,529 |
| Loan loss allowance to noncurrent loans | 928.5714% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 3,895 |
| Noncurrent loans to loans | 0.0777% | 4,215 |
| Net loans and leases to total assets | 78.0166% | 1,079 |
| Net loans and leases to deposits | 87.0347% | 1,964 |
| Net loans and leases to core deposits | 124.5206% | 375 |
| Total domestic deposits to total assets | 89.6385% | 454 |
| Equity capital to assets | 8.1276% | 5,031 |
| Core capital (leverage) ratio | 8.1557% | 4,988 |
| Tier 1 risk-based capital ratio | 10.2066% | 5,090 |
| Total risk-based capital ratio | 10.9175% | 5,130 |
| Memoranda: | ||
| Average total assets | $272,995,800 | 2,313 |
| Average earning assets | $263,291,800 | 2,253 |
| Average equity | $21,560,200 | 2,999 |
| Average total loans | $208,640,200 | 2,095 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 976 |
| Cost of funding earning assets | 2.0007% | 66 |
| Net interest margin | 3.2301% | 4,233 |
| Noninterest income to average assets | 0.3964% | 3,341 |
| Noninterest expense to average assets | 2.0058% | 4,536 |
| Loan and lease loss provision to assets | 0.2848% | 525 |
| Net operating income to assets | 0.8659% | 3,466 |
| Return on assets (ROA) | 0.8925% | 3,447 |
| Pretax return on assets | 1.2546% | 2,803 |
| Return on Equity (ROE) | 11.3850% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.3278% | 1,702 |
| Net charge-offs to loans | 0.3392% | 504 |
| Credit loss provision to net charge-offs | 110.6464% | 2,083 |
| Earnings coverage of net charge-offs (x) | 5.8498% | 2,877 |
| Efficiency ratio | 57.1210% | 4,053 |
| Assets per employee ($millions) | 10.1576% | 336 |
| Cash dividends to net income (ytd only)* | 35.6362% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 4,578 |
| Loan loss allowance to noncurrent loans | 834.4086% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,930 |
| Noncurrent loans to loans | 0.0882% | 4,252 |
| Net loans and leases to total assets | 76.3464% | 1,423 |
| Net loans and leases to deposits | 85.1559% | 2,303 |
| Net loans and leases to core deposits | 119.3032% | 559 |
| Total domestic deposits to total assets | 89.6548% | 387 |
| Equity capital to assets | 7.9609% | 5,140 |
| Core capital (leverage) ratio | 7.9053% | 5,137 |
| Tier 1 risk-based capital ratio | 10.1702% | 5,159 |
| Total risk-based capital ratio | 10.8934% | 5,198 |
| Memoranda: | ||
| Average total assets | $272,475,750 | 2,334 |
| Average earning assets | $262,774,500 | 2,270 |
| Average equity | $21,361,000 | 3,035 |
| Average total loans | $206,759,000 | 2,131 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 964 |
| Cost of funding earning assets | 1.9775% | 64 |
| Net interest margin | 3.2338% | 4,281 |
| Noninterest income to average assets | 0.4200% | 3,134 |
| Noninterest expense to average assets | 2.0266% | 4,562 |
| Loan and lease loss provision to assets | 0.2884% | 489 |
| Net operating income to assets | 0.8684% | 3,406 |
| Return on assets (ROA) | 0.9085% | 3,311 |
| Pretax return on assets | 1.2726% | 2,665 |
| Return on Equity (ROE) | 11.6489% | 1,717 |
| Retained earnings to average equity (ytd only) | 9.7625% | 826 |
| Net charge-offs to loans | 0.3447% | 490 |
| Credit loss provision to net charge-offs | 110.7345% | 1,841 |
| Earnings coverage of net charge-offs (x) | 5.7994% | 2,614 |
| Efficiency ratio | 57.3003% | 4,092 |
| Assets per employee ($millions) | 10.6472% | 292 |
| Cash dividends to net income (ytd only)* | 16.1943% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 4,632 |
| Loan loss allowance to noncurrent loans | 168.0175% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,449 |
| Noncurrent loans to loans | 0.4390% | 2,956 |
| Net loans and leases to total assets | 74.5722% | 1,791 |
| Net loans and leases to deposits | 82.9717% | 2,618 |
| Net loans and leases to core deposits | 115.9232% | 688 |
| Total domestic deposits to total assets | 89.8767% | 368 |
| Equity capital to assets | 7.8341% | 5,203 |
| Core capital (leverage) ratio | 7.8867% | 5,190 |
| Tier 1 risk-based capital ratio | 10.3794% | 5,143 |
| Total risk-based capital ratio | 11.1136% | 5,198 |
| Memoranda: | ||
| Average total assets | $271,883,000 | 2,346 |
| Average earning assets | $262,047,670 | 2,286 |
| Average equity | $21,203,670 | 3,047 |
| Average total loans | $205,367,000 | 2,150 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2163% | 880 |
| Cost of funding earning assets | 1.9438% | 66 |
| Net interest margin | 3.2725% | 4,223 |
| Noninterest income to average assets | 0.4617% | 2,791 |
| Noninterest expense to average assets | 1.9880% | 4,665 |
| Loan and lease loss provision to assets | 0.3370% | 359 |
| Net operating income to assets | 0.9161% | 3,176 |
| Return on assets (ROA) | 0.9161% | 3,214 |
| Pretax return on assets | 1.2887% | 2,501 |
| Return on Equity (ROE) | 11.7737% | 1,628 |
| Retained earnings to average equity (ytd only) | 11.7737% | 661 |
| Net charge-offs to loans | 0.4136% | 373 |
| Credit loss provision to net charge-offs | 107.5829% | 1,514 |
| Earnings coverage of net charge-offs (x) | 5.1896% | 2,271 |
| Efficiency ratio | 55.0123% | 4,432 |
| Assets per employee ($millions) | 9.7948% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,698 |
| Loan loss allowance to noncurrent loans | 157.9937% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,414 |
| Noncurrent loans to loans | 0.4664% | 2,913 |
| Net loans and leases to total assets | 74.2659% | 1,754 |
| Net loans and leases to deposits | 82.7559% | 2,531 |
| Net loans and leases to core deposits | 115.3081% | 670 |
| Total domestic deposits to total assets | 89.7409% | 546 |
| Equity capital to assets | 7.7577% | 5,226 |
| Core capital (leverage) ratio | 7.8592% | 5,238 |
| Tier 1 risk-based capital ratio | 10.3297% | 5,217 |
| Total risk-based capital ratio | 11.0641% | 5,277 |
| Memoranda: | ||
| Average total assets | $269,411,000 | 2,375 |
| Average earning assets | $259,493,500 | 2,320 |
| Average equity | $20,962,000 | 3,072 |
| Average total loans | $204,065,500 | 2,181 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5452% | 369 |
| Cost of funding earning assets | 1.6120% | 57 |
| Net interest margin | 3.9332% | 2,215 |
| Noninterest income to average assets | 0.5186% | 2,725 |
| Noninterest expense to average assets | 2.3168% | 4,082 |
| Loan and lease loss provision to assets | 0.4496% | 285 |
| Net operating income to assets | 1.0912% | 2,640 |
| Return on assets (ROA) | 1.0912% | 2,632 |
| Pretax return on assets | 1.5250% | 1,698 |
| Return on Equity (ROE) | 13.0796% | 1,311 |
| Retained earnings to average equity (ytd only) | 6.2258% | 2,077 |
| Net charge-offs to loans | 0.4156% | 445 |
| Credit loss provision to net charge-offs | 129.7719% | 2,036 |
| Earnings coverage of net charge-offs (x) | 5.6999% | 3,163 |
| Efficiency ratio | 53.9878% | 4,620 |
| Assets per employee ($millions) | 9.4488% | 403 |
| Cash dividends to net income (ytd only)* | 52.4009% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 4,714 |
| Loan loss allowance to noncurrent loans | 869.7674% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 2,856 |
| Noncurrent loans to loans | 0.0848% | 4,369 |
| Net loans and leases to total assets | 76.1414% | 1,585 |
| Net loans and leases to deposits | 84.8665% | 2,423 |
| Net loans and leases to core deposits | 118.1482% | 616 |
| Total domestic deposits to total assets | 89.7191% | 568 |
| Equity capital to assets | 7.8045% | 5,219 |
| Core capital (leverage) ratio | 8.0851% | 5,212 |
| Tier 1 risk-based capital ratio | 10.0905% | 5,282 |
| Total risk-based capital ratio | 10.8218% | 5,342 |
| Memoranda: | ||
| Average total assets | $240,459,800 | 2,542 |
| Average earning assets | $230,651,000 | 2,480 |
| Average equity | $20,061,800 | 3,083 |
| Average total loans | $200,411,600 | 2,172 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5737% | 311 |
| Cost of funding earning assets | 1.5351% | 60 |
| Net interest margin | 4.0386% | 1,831 |
| Noninterest income to average assets | 0.5380% | 2,625 |
| Noninterest expense to average assets | 2.3130% | 4,065 |
| Loan and lease loss provision to assets | 0.4641% | 260 |
| Net operating income to assets | 1.1659% | 2,385 |
| Return on assets (ROA) | 1.1659% | 2,389 |
| Pretax return on assets | 1.6317% | 1,484 |
| Return on Equity (ROE) | 13.7245% | 1,191 |
| Retained earnings to average equity (ytd only) | 7.8665% | 1,720 |
| Net charge-offs to loans | 0.3938% | 415 |
| Credit loss provision to net charge-offs | 138.3051% | 1,822 |
| Earnings coverage of net charge-offs (x) | 6.2457% | 2,898 |
| Efficiency ratio | 52.4639% | 4,762 |
| Assets per employee ($millions) | 9.2368% | 410 |
| Cash dividends to net income (ytd only)* | 42.6829% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 4,792 |
| Loan loss allowance to noncurrent loans | 1,259.8291% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 3,546 |
| Noncurrent loans to loans | 0.0586% | 4,631 |
| Net loans and leases to total assets | 79.5235% | 1,091 |
| Net loans and leases to deposits | 89.1501% | 2,002 |
| Net loans and leases to core deposits | 116.1275% | 707 |
| Total domestic deposits to total assets | 89.2018% | 774 |
| Equity capital to assets | 8.2440% | 5,060 |
| Core capital (leverage) ratio | 8.6165% | 5,018 |
| Tier 1 risk-based capital ratio | 10.3146% | 5,289 |
| Total risk-based capital ratio | 11.0540% | 5,375 |
| Memoranda: | ||
| Average total assets | $234,433,000 | 2,592 |
| Average earning assets | $224,692,500 | 2,539 |
| Average equity | $19,915,250 | 3,117 |
| Average total loans | $199,779,250 | 2,185 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 281 |
| Cost of funding earning assets | 1.4574% | 60 |
| Net interest margin | 4.1315% | 1,465 |
| Noninterest income to average assets | 0.5622% | 2,510 |
| Noninterest expense to average assets | 2.3587% | 4,000 |
| Loan and lease loss provision to assets | 0.5587% | 190 |
| Net operating income to assets | 1.1419% | 2,425 |
| Return on assets (ROA) | 1.1419% | 2,434 |
| Pretax return on assets | 1.5960% | 1,514 |
| Return on Equity (ROE) | 13.2993% | 1,265 |
| Retained earnings to average equity (ytd only) | 7.4618% | 1,858 |
| Net charge-offs to loans | 0.4705% | 325 |
| Credit loss provision to net charge-offs | 136.3830% | 1,671 |
| Earnings coverage of net charge-offs (x) | 5.2596% | 2,724 |
| Efficiency ratio | 52.2596% | 4,860 |
| Assets per employee ($millions) | 8.3230% | 555 |
| Cash dividends to net income (ytd only)* | 43.8931% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7181% | 4,906 |
| Loan loss allowance to noncurrent loans | 921.4286% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 3,480 |
| Noncurrent loans to loans | 0.0779% | 4,563 |
| Net loans and leases to total assets | 84.1867% | 443 |
| Net loans and leases to deposits | 95.4274% | 1,206 |
| Net loans and leases to core deposits | 132.6886% | 285 |
| Total domestic deposits to total assets | 88.2207% | 1,260 |
| Equity capital to assets | 8.6327% | 4,855 |
| Core capital (leverage) ratio | 8.6722% | 4,977 |
| Tier 1 risk-based capital ratio | 10.1110% | 5,399 |
| Total risk-based capital ratio | 10.8245% | 5,463 |
| Memoranda: | ||
| Average total assets | $229,446,330 | 2,640 |
| Average earning assets | $219,434,330 | 2,587 |
| Average equity | $19,700,330 | 3,156 |
| Average total loans | $199,772,330 | 2,189 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5804% | 243 |
| Cost of funding earning assets | 1.3942% | 59 |
| Net interest margin | 4.1862% | 1,204 |
| Noninterest income to average assets | 0.5640% | 2,455 |
| Noninterest expense to average assets | 2.3317% | 4,111 |
| Loan and lease loss provision to assets | 0.6677% | 145 |
| Net operating income to assets | 1.1193% | 2,337 |
| Return on assets (ROA) | 1.1193% | 2,356 |
| Pretax return on assets | 1.5638% | 1,486 |
| Return on Equity (ROE) | 13.0724% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.3506% | 3,443 |
| Net charge-offs to loans | 0.5616% | 265 |
| Credit loss provision to net charge-offs | 134.7518% | 1,302 |
| Earnings coverage of net charge-offs (x) | 4.5035% | 2,296 |
| Efficiency ratio | 51.0974% | 5,019 |
| Assets per employee ($millions) | 8.0184% | 620 |
| Cash dividends to net income (ytd only)* | 66.7190% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 5,068 |
| Loan loss allowance to noncurrent loans | 556.1983% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,402 |
| Noncurrent loans to loans | 0.1216% | 4,416 |
| Net loans and leases to total assets | 84.9828% | 342 |
| Net loans and leases to deposits | 96.3971% | 991 |
| Net loans and leases to core deposits | 127.5118% | 384 |
| Total domestic deposits to total assets | 88.1592% | 1,535 |
| Equity capital to assets | 8.4263% | 5,030 |
| Core capital (leverage) ratio | 8.7887% | 4,904 |
| Tier 1 risk-based capital ratio | 9.7206% | 5,539 |
| Total risk-based capital ratio | 10.3891% | 5,574 |
| Memoranda: | ||
| Average total assets | $227,647,500 | 2,680 |
| Average earning assets | $217,475,500 | 2,633 |
| Average equity | $19,491,500 | 3,202 |
| Average total loans | $200,853,000 | 2,189 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8529% | 160 |
| Cost of funding earning assets | 1.2202% | 68 |
| Net interest margin | 4.6327% | 464 |
| Noninterest income to average assets | 0.5615% | 2,647 |
| Noninterest expense to average assets | 2.6980% | 3,131 |
| Loan and lease loss provision to assets | 0.5899% | 214 |
| Net operating income to assets | 0.9886% | 2,299 |
| Return on assets (ROA) | 0.9886% | 2,331 |
| Pretax return on assets | 1.6771% | 1,070 |
| Return on Equity (ROE) | 10.7313% | 1,571 |
| Retained earnings to average equity (ytd only) | 2.8963% | 3,577 |
| Net charge-offs to loans | 0.5161% | 453 |
| Credit loss provision to net charge-offs | 128.5249% | 2,047 |
| Earnings coverage of net charge-offs (x) | 4.9393% | 3,393 |
| Efficiency ratio | 54.3413% | 4,924 |
| Assets per employee ($millions) | 7.6814% | 706 |
| Cash dividends to net income (ytd only)* | 73.0111% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 5,213 |
| Loan loss allowance to noncurrent loans | 554.6667% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3677% | 3,392 |
| Noncurrent loans to loans | 0.1110% | 4,487 |
| Net loans and leases to total assets | 90.4548% | 64 |
| Net loans and leases to deposits | 103.9180% | 495 |
| Net loans and leases to core deposits | 139.3331% | 218 |
| Total domestic deposits to total assets | 87.0444% | 1,974 |
| Equity capital to assets | 8.7039% | 4,957 |
| Core capital (leverage) ratio | 9.0340% | 4,609 |
| Tier 1 risk-based capital ratio | 9.3965% | 5,609 |
| Total risk-based capital ratio | 10.0024% | 5,639 |
| Memoranda: | ||
| Average total assets | $200,887,600 | 2,917 |
| Average earning assets | $190,947,800 | 2,853 |
| Average equity | $18,506,600 | 3,297 |
| Average total loans | $178,656,400 | 2,342 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 175 |
| Cost of funding earning assets | 1.1666% | 76 |
| Net interest margin | 4.5859% | 502 |
| Noninterest income to average assets | 0.5465% | 2,743 |
| Noninterest expense to average assets | 2.6875% | 3,101 |
| Loan and lease loss provision to assets | 0.5915% | 187 |
| Net operating income to assets | 0.9763% | 2,658 |
| Return on assets (ROA) | 0.9763% | 2,717 |
| Pretax return on assets | 1.6231% | 1,339 |
| Return on Equity (ROE) | 10.4339% | 1,937 |
| Retained earnings to average equity (ytd only) | 2.4134% | 4,444 |
| Net charge-offs to loans | 0.5306% | 382 |
| Credit loss provision to net charge-offs | 126.2009% | 1,925 |
| Earnings coverage of net charge-offs (x) | 4.7249% | 3,188 |
| Efficiency ratio | 54.8225% | 4,869 |
| Assets per employee ($millions) | 7.6811% | 708 |
| Cash dividends to net income (ytd only)* | 76.8694% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6168% | 5,295 |
| Loan loss allowance to noncurrent loans | 962.8099% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 3,661 |
| Noncurrent loans to loans | 0.0641% | 4,819 |
| Net loans and leases to total assets | 90.5092% | 65 |
| Net loans and leases to deposits | 102.0785% | 609 |
| Net loans and leases to core deposits | 138.8630% | 213 |
| Total domestic deposits to total assets | 88.6663% | 1,029 |
| Equity capital to assets | 9.2550% | 4,679 |
| Core capital (leverage) ratio | 9.4716% | 4,200 |
| Tier 1 risk-based capital ratio | 10.1248% | 5,568 |
| Total risk-based capital ratio | 10.7413% | 5,650 |
| Memoranda: | ||
| Average total assets | $195,419,250 | 2,994 |
| Average earning assets | $185,609,250 | 2,933 |
| Average equity | $18,286,000 | 3,357 |
| Average total loans | $172,634,000 | 2,414 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 207 |
| Cost of funding earning assets | 1.0981% | 102 |
| Net interest margin | 4.5136% | 554 |
| Noninterest income to average assets | 0.5370% | 2,782 |
| Noninterest expense to average assets | 2.6610% | 3,233 |
| Loan and lease loss provision to assets | 0.4879% | 242 |
| Net operating income to assets | 1.0134% | 2,362 |
| Return on assets (ROA) | 1.0134% | 2,401 |
| Pretax return on assets | 1.6737% | 1,120 |
| Return on Equity (ROE) | 10.7878% | 1,723 |
| Retained earnings to average equity (ytd only) | 3.1140% | 3,858 |
| Net charge-offs to loans | 0.5298% | 365 |
| Credit loss provision to net charge-offs | 105.4176% | 1,948 |
| Earnings coverage of net charge-offs (x) | 4.6704% | 2,902 |
| Efficiency ratio | 55.1776% | 4,906 |
| Assets per employee ($millions) | 7.1516% | 866 |
| Cash dividends to net income (ytd only)* | 71.1340% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5831% | 5,405 |
| Loan loss allowance to noncurrent loans | 1,009.0000% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 3,735 |
| Noncurrent loans to loans | 0.0578% | 4,898 |
| Net loans and leases to total assets | 85.9177% | 279 |
| Net loans and leases to deposits | 96.7240% | 1,004 |
| Net loans and leases to core deposits | 130.6727% | 295 |
| Total domestic deposits to total assets | 88.8276% | 1,047 |
| Equity capital to assets | 9.0609% | 4,839 |
| Core capital (leverage) ratio | 9.6792% | 3,922 |
| Tier 1 risk-based capital ratio | 10.3693% | 5,515 |
| Total risk-based capital ratio | 10.9487% | 5,659 |
| Memoranda: | ||
| Average total assets | $191,428,670 | 3,042 |
| Average earning assets | $181,761,670 | 2,984 |
| Average equity | $17,983,330 | 3,395 |
| Average total loans | $167,221,000 | 2,473 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4894% | 231 |
| Cost of funding earning assets | 1.0916% | 98 |
| Net interest margin | 4.3979% | 644 |
| Noninterest income to average assets | 0.5347% | 2,741 |
| Noninterest expense to average assets | 2.7804% | 2,861 |
| Loan and lease loss provision to assets | 0.4213% | 261 |
| Net operating income to assets | 0.9090% | 2,719 |
| Return on assets (ROA) | 0.9090% | 2,771 |
| Pretax return on assets | 1.5036% | 1,519 |
| Return on Equity (ROE) | 9.4956% | 2,189 |
| Retained earnings to average equity (ytd only) | 1.6757% | 4,438 |
| Net charge-offs to loans | 0.5332% | 337 |
| Credit loss provision to net charge-offs | 89.9543% | 1,690 |
| Earnings coverage of net charge-offs (x) | 4.1096% | 2,419 |
| Efficiency ratio | 59.0909% | 4,579 |
| Assets per employee ($millions) | 6.6426% | 1,109 |
| Cash dividends to net income (ytd only)* | 82.3529% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 5,505 |
| Loan loss allowance to noncurrent loans | 204.8936% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 2,945 |
| Noncurrent loans to loans | 0.2858% | 4,092 |
| Net loans and leases to total assets | 87.9055% | 111 |
| Net loans and leases to deposits | 99.7980% | 626 |
| Net loans and leases to core deposits | 126.2094% | 319 |
| Total domestic deposits to total assets | 88.0834% | 1,672 |
| Equity capital to assets | 9.6455% | 4,134 |
| Core capital (leverage) ratio | 9.6323% | 3,954 |
| Tier 1 risk-based capital ratio | 10.8288% | 5,394 |
| Total risk-based capital ratio | 11.4137% | 5,614 |
| Memoranda: | ||
| Average total assets | $187,021,000 | 3,118 |
| Average earning assets | $177,359,000 | 3,055 |
| Average equity | $17,903,000 | 3,420 |
| Average total loans | $164,304,500 | 2,523 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6550% | 204 |
| Cost of funding earning assets | 1.1096% | 95 |
| Net interest margin | 4.5453% | 560 |
| Noninterest income to average assets | 0.3963% | 3,917 |
| Noninterest expense to average assets | 2.7120% | 3,308 |
| Loan and lease loss provision to assets | 0.2731% | 736 |
| Net operating income to assets | 1.0387% | 2,194 |
| Return on assets (ROA) | 1.0428% | 2,273 |
| Pretax return on assets | 1.7212% | 947 |
| Return on Equity (ROE) | 11.8064% | 1,308 |
| Retained earnings to average equity (ytd only) | 11.8064% | 234 |
| Net charge-offs to loans | 0.3485% | 780 |
| Credit loss provision to net charge-offs | 90.2946% | 2,789 |
| Earnings coverage of net charge-offs (x) | 6.5719% | 3,148 |
| Efficiency ratio | 57.7022% | 4,888 |
| Assets per employee ($millions) | 6.7160% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6001% | 5,533 |
| Loan loss allowance to noncurrent loans | 213.6659% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 3,050 |
| Noncurrent loans to loans | 0.2808% | 4,151 |
| Net loans and leases to total assets | 86.7662% | 192 |
| Net loans and leases to deposits | 98.0836% | 820 |
| Net loans and leases to core deposits | 123.9115% | 385 |
| Total domestic deposits to total assets | 88.4615% | 1,397 |
| Equity capital to assets | 9.5007% | 4,270 |
| Core capital (leverage) ratio | 9.4207% | 4,201 |
| Tier 1 risk-based capital ratio | 10.8200% | 5,421 |
| Total risk-based capital ratio | 11.4208% | 5,643 |
| Memoranda: | ||
| Average total assets | $190,741,600 | 3,052 |
| Average earning assets | $180,602,400 | 3,009 |
| Average equity | $16,846,800 | 3,570 |
| Average total loans | $165,559,200 | 2,459 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6139% | 217 |
| Cost of funding earning assets | 1.1079% | 91 |
| Net interest margin | 4.5060% | 619 |
| Noninterest income to average assets | 0.3399% | 4,352 |
| Noninterest expense to average assets | 2.6420% | 3,530 |
| Loan and lease loss provision to assets | 0.2758% | 633 |
| Net operating income to assets | 1.0221% | 2,321 |
| Return on assets (ROA) | 1.0274% | 2,431 |
| Pretax return on assets | 1.6940% | 1,128 |
| Return on Equity (ROE) | 11.8528% | 1,374 |
| Retained earnings to average equity (ytd only) | 11.8528% | 326 |
| Net charge-offs to loans | 0.2965% | 775 |
| Credit loss provision to net charge-offs | 107.3171% | 2,250 |
| Earnings coverage of net charge-offs (x) | 7.6314% | 2,859 |
| Efficiency ratio | 57.3914% | 4,903 |
| Assets per employee ($millions) | 7.1897% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 5,566 |
| Loan loss allowance to noncurrent loans | 217.9592% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 3,234 |
| Noncurrent loans to loans | 0.2880% | 4,233 |
| Net loans and leases to total assets | 87.0916% | 184 |
| Net loans and leases to deposits | 97.9632% | 858 |
| Net loans and leases to core deposits | 122.5903% | 439 |
| Total domestic deposits to total assets | 88.9023% | 960 |
| Equity capital to assets | 8.9388% | 5,221 |
| Core capital (leverage) ratio | 9.0529% | 4,774 |
| Tier 1 risk-based capital ratio | 9.9276% | 5,810 |
| Total risk-based capital ratio | 10.5435% | 5,897 |
| Memoranda: | ||
| Average total assets | $191,414,750 | 3,060 |
| Average earning assets | $181,116,750 | 3,017 |
| Average equity | $16,592,000 | 3,641 |
| Average total loans | $165,912,000 | 2,458 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5828% | 226 |
| Cost of funding earning assets | 1.1152% | 80 |
| Net interest margin | 4.4676% | 659 |
| Noninterest income to average assets | 0.3128% | 4,535 |
| Noninterest expense to average assets | 2.6203% | 3,659 |
| Loan and lease loss provision to assets | 0.3202% | 538 |
| Net operating income to assets | 0.9683% | 2,535 |
| Return on assets (ROA) | 0.9763% | 2,636 |
| Pretax return on assets | 1.6114% | 1,341 |
| Return on Equity (ROE) | 11.3840% | 1,516 |
| Retained earnings to average equity (ytd only) | 11.3840% | 393 |
| Net charge-offs to loans | 0.3088% | 769 |
| Credit loss provision to net charge-offs | 120.0787% | 1,862 |
| Earnings coverage of net charge-offs (x) | 7.1969% | 2,651 |
| Efficiency ratio | 57.7243% | 4,943 |
| Assets per employee ($millions) | 7.3017% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6517% | 5,608 |
| Loan loss allowance to noncurrent loans | 260.0000% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 3,432 |
| Noncurrent loans to loans | 0.2507% | 4,455 |
| Net loans and leases to total assets | 87.6815% | 152 |
| Net loans and leases to deposits | 99.0993% | 776 |
| Net loans and leases to core deposits | 123.9798% | 410 |
| Total domestic deposits to total assets | 88.4785% | 1,176 |
| Equity capital to assets | 8.8530% | 5,358 |
| Core capital (leverage) ratio | 8.7067% | 5,165 |
| Tier 1 risk-based capital ratio | 9.7382% | 5,907 |
| Total risk-based capital ratio | 10.3774% | 5,986 |
| Memoranda: | ||
| Average total assets | $190,512,670 | 3,084 |
| Average earning assets | $180,230,670 | 3,041 |
| Average equity | $16,338,670 | 3,690 |
| Average total loans | $164,505,670 | 2,481 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4825% | 264 |
| Cost of funding earning assets | 1.1213% | 84 |
| Net interest margin | 4.3612% | 812 |
| Noninterest income to average assets | 0.2892% | 4,656 |
| Noninterest expense to average assets | 2.5906% | 3,775 |
| Loan and lease loss provision to assets | 0.2620% | 653 |
| Net operating income to assets | 0.9459% | 2,530 |
| Return on assets (ROA) | 0.9620% | 2,567 |
| Pretax return on assets | 1.5866% | 1,333 |
| Return on Equity (ROE) | 11.4005% | 1,478 |
| Retained earnings to average equity (ytd only) | 11.4005% | 591 |
| Net charge-offs to loans | 0.3068% | 704 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 6.9600% | 2,191 |
| Efficiency ratio | 58.6895% | 4,915 |
| Assets per employee ($millions) | 7.7056% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 5,704 |
| Loan loss allowance to noncurrent loans | 2,813.5135% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 4,259 |
| Noncurrent loans to loans | 0.0224% | 5,411 |
| Net loans and leases to total assets | 85.1583% | 280 |
| Net loans and leases to deposits | 95.7375% | 964 |
| Net loans and leases to core deposits | 119.1619% | 487 |
| Total domestic deposits to total assets | 88.9499% | 1,130 |
| Equity capital to assets | 8.4806% | 5,580 |
| Core capital (leverage) ratio | 8.5917% | 5,301 |
| Tier 1 risk-based capital ratio | 9.6393% | 5,982 |
| Total risk-based capital ratio | 10.2615% | 6,051 |
| Memoranda: | ||
| Average total assets | $190,846,500 | 3,084 |
| Average earning assets | $180,501,500 | 3,040 |
| Average equity | $16,104,500 | 3,714 |
| Average total loans | $162,983,000 | 2,497 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5659% | 247 |
| Cost of funding earning assets | 1.1172% | 89 |
| Net interest margin | 4.4487% | 717 |
| Noninterest income to average assets | 0.2964% | 4,763 |
| Noninterest expense to average assets | 2.6349% | 3,799 |
| Loan and lease loss provision to assets | 0.2936% | 591 |
| Net operating income to assets | 0.9361% | 2,681 |
| Return on assets (ROA) | 0.9432% | 2,718 |
| Pretax return on assets | 1.5527% | 1,396 |
| Return on Equity (ROE) | 11.3658% | 1,475 |
| Retained earnings to average equity (ytd only) | 2.0109% | 4,587 |
| Net charge-offs to loans | 0.3598% | 819 |
| Credit loss provision to net charge-offs | 98.3178% | 2,588 |
| Earnings coverage of net charge-offs (x) | 6.1458% | 3,270 |
| Efficiency ratio | 58.9462% | 5,033 |
| Assets per employee ($millions) | 7.0020% | 891 |
| Cash dividends to net income (ytd only)* | 82.3077% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 5,727 |
| Loan loss allowance to noncurrent loans | 905.2174% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 4,246 |
| Noncurrent loans to loans | 0.0715% | 5,223 |
| Net loans and leases to total assets | 84.5451% | 343 |
| Net loans and leases to deposits | 95.9123% | 1,020 |
| Net loans and leases to core deposits | 118.2281% | 535 |
| Total domestic deposits to total assets | 88.1483% | 1,556 |
| Equity capital to assets | 8.3955% | 5,631 |
| Core capital (leverage) ratio | 8.3528% | 5,568 |
| Tier 1 risk-based capital ratio | 9.5639% | 6,035 |
| Total risk-based capital ratio | 10.1977% | 6,098 |
| Memoranda: | ||
| Average total assets | $179,170,400 | 3,182 |
| Average earning assets | $168,093,600 | 3,146 |
| Average equity | $14,869,200 | 3,858 |
| Average total loans | $148,679,200 | 2,613 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5131% | 258 |
| Cost of funding earning assets | 1.0989% | 100 |
| Net interest margin | 4.4142% | 769 |
| Noninterest income to average assets | 0.2996% | 4,793 |
| Noninterest expense to average assets | 2.5534% | 4,038 |
| Loan and lease loss provision to assets | 0.2913% | 518 |
| Net operating income to assets | 0.9454% | 2,732 |
| Return on assets (ROA) | 0.9492% | 2,812 |
| Pretax return on assets | 1.5921% | 1,407 |
| Return on Equity (ROE) | 11.4737% | 1,540 |
| Retained earnings to average equity (ytd only) | 1.6143% | 5,056 |
| Net charge-offs to loans | 0.3745% | 690 |
| Credit loss provision to net charge-offs | 94.3765% | 2,404 |
| Earnings coverage of net charge-offs (x) | 6.0831% | 3,106 |
| Efficiency ratio | 57.6294% | 5,164 |
| Assets per employee ($millions) | 7.7565% | 603 |
| Cash dividends to net income (ytd only)* | 85.9303% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 5,760 |
| Loan loss allowance to noncurrent loans | 877.7778% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 4,409 |
| Noncurrent loans to loans | 0.0781% | 5,310 |
| Net loans and leases to total assets | 79.8826% | 838 |
| Net loans and leases to deposits | 90.1588% | 1,627 |
| Net loans and leases to core deposits | 111.0077% | 818 |
| Total domestic deposits to total assets | 88.6021% | 1,238 |
| Equity capital to assets | 7.9326% | 5,979 |
| Core capital (leverage) ratio | 8.2074% | 5,771 |
| Tier 1 risk-based capital ratio | 9.4396% | 6,154 |
| Total risk-based capital ratio | 10.1057% | 6,193 |
| Memoranda: | ||
| Average total assets | $176,699,750 | 3,237 |
| Average earning assets | $165,373,000 | 3,207 |
| Average equity | $14,618,500 | 3,932 |
| Average total loans | $145,630,000 | 2,669 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 230 |
| Cost of funding earning assets | 1.0903% | 104 |
| Net interest margin | 4.5068% | 632 |
| Noninterest income to average assets | 0.3169% | 4,689 |
| Noninterest expense to average assets | 2.6172% | 3,859 |
| Loan and lease loss provision to assets | 0.2766% | 592 |
| Net operating income to assets | 0.9738% | 2,521 |
| Return on assets (ROA) | 0.9738% | 2,629 |
| Pretax return on assets | 1.6341% | 1,242 |
| Return on Equity (ROE) | 11.6000% | 1,500 |
| Retained earnings to average equity (ytd only) | 0.5354% | 5,339 |
| Net charge-offs to loans | 0.3854% | 674 |
| Credit loss provision to net charge-offs | 86.3309% | 2,255 |
| Earnings coverage of net charge-offs (x) | 5.9640% | 2,852 |
| Efficiency ratio | 57.8010% | 5,239 |
| Assets per employee ($millions) | 7.2469% | 750 |
| Cash dividends to net income (ytd only)* | 95.3846% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6878% | 5,842 |
| Loan loss allowance to noncurrent loans | 535.4497% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 4,286 |
| Noncurrent loans to loans | 0.1285% | 5,237 |
| Net loans and leases to total assets | 84.0127% | 374 |
| Net loans and leases to deposits | 95.7775% | 984 |
| Net loans and leases to core deposits | 119.4777% | 479 |
| Total domestic deposits to total assets | 87.7166% | 1,785 |
| Equity capital to assets | 8.4093% | 5,751 |
| Core capital (leverage) ratio | 8.3390% | 5,685 |
| Tier 1 risk-based capital ratio | 9.5073% | 6,203 |
| Total risk-based capital ratio | 10.1763% | 6,250 |
| Memoranda: | ||
| Average total assets | $173,547,330 | 3,298 |
| Average earning assets | $162,153,330 | 3,272 |
| Average equity | $14,569,000 | 3,953 |
| Average total loans | $144,262,000 | 2,697 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4830% | 269 |
| Cost of funding earning assets | 1.0823% | 110 |
| Net interest margin | 4.4008% | 727 |
| Noninterest income to average assets | 0.3253% | 4,582 |
| Noninterest expense to average assets | 2.5935% | 3,961 |
| Loan and lease loss provision to assets | 0.2653% | 602 |
| Net operating income to assets | 0.9391% | 2,567 |
| Return on assets (ROA) | 0.9391% | 2,699 |
| Pretax return on assets | 1.5759% | 1,331 |
| Return on Equity (ROE) | 11.1963% | 1,578 |
| Retained earnings to average equity (ytd only) | -0.9078% | 5,540 |
| Net charge-offs to loans | 0.4033% | 601 |
| Credit loss provision to net charge-offs | 79.8611% | 1,830 |
| Earnings coverage of net charge-offs (x) | 5.5417% | 2,379 |
| Efficiency ratio | 58.4807% | 5,286 |
| Assets per employee ($millions) | 7.6308% | 639 |
| Cash dividends to net income (ytd only)* | 108.1081% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 5,861 |
| Loan loss allowance to noncurrent loans | 490.8654% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 4,375 |
| Noncurrent loans to loans | 0.1472% | 5,251 |
| Net loans and leases to total assets | 79.9434% | 690 |
| Net loans and leases to deposits | 91.3178% | 1,254 |
| Net loans and leases to core deposits | 113.9364% | 580 |
| Total domestic deposits to total assets | 87.5442% | 2,078 |
| Equity capital to assets | 8.2914% | 5,875 |
| Core capital (leverage) ratio | 8.3002% | 5,725 |
| Tier 1 risk-based capital ratio | 9.6663% | 6,241 |
| Total risk-based capital ratio | 10.3580% | 6,297 |
| Memoranda: | ||
| Average total assets | $173,358,000 | 3,314 |
| Average earning assets | $161,881,000 | 3,299 |
| Average equity | $14,540,500 | 3,986 |
| Average total loans | $142,827,000 | 2,720 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7724% | 204 |
| Cost of funding earning assets | 1.1016% | 131 |
| Net interest margin | 4.6708% | 547 |
| Noninterest income to average assets | 0.7358% | 2,143 |
| Noninterest expense to average assets | 2.6544% | 4,029 |
| Loan and lease loss provision to assets | 0.2855% | 735 |
| Net operating income to assets | 1.2934% | 1,317 |
| Return on assets (ROA) | 1.2934% | 1,369 |
| Pretax return on assets | 2.1732% | 337 |
| Return on Equity (ROE) | 15.7077% | 660 |
| Retained earnings to average equity (ytd only) | 4.4576% | 3,003 |
| Net charge-offs to loans | 0.3940% | 1,089 |
| Credit loss provision to net charge-offs | 87.1886% | 2,702 |
| Earnings coverage of net charge-offs (x) | 7.5089% | 3,023 |
| Efficiency ratio | 51.9143% | 5,989 |
| Assets per employee ($millions) | 7.4438% | 680 |
| Cash dividends to net income (ytd only)* | 71.6216% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 5,935 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 3,139 |
| Noncurrent loans to loans | 0.6236% | 3,819 |
| Net loans and leases to total assets | 83.6853% | 369 |
| Net loans and leases to deposits | 95.5887% | 935 |
| Net loans and leases to core deposits | 115.6496% | 538 |
| Total domestic deposits to total assets | 87.5473% | 2,008 |
| Equity capital to assets | 8.4862% | 5,768 |
| Core capital (leverage) ratio | 8.5121% | 5,553 |
| Tier 1 risk-based capital ratio | 9.7423% | 6,312 |
| Total risk-based capital ratio | 10.4484% | 6,372 |
| Memoranda: | ||
| Average total assets | $171,639,200 | 3,315 |
| Average earning assets | $160,852,000 | 3,270 |
| Average equity | $14,133,200 | 4,000 |
| Average total loans | $142,644,800 | 2,675 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7582% | 206 |
| Cost of funding earning assets | 1.1012% | 141 |
| Net interest margin | 4.6570% | 552 |
| Noninterest income to average assets | 0.6040% | 2,842 |
| Noninterest expense to average assets | 2.6635% | 3,969 |
| Loan and lease loss provision to assets | 0.1863% | 1,312 |
| Net operating income to assets | 1.2670% | 1,468 |
| Return on assets (ROA) | 1.2670% | 1,531 |
| Pretax return on assets | 2.1271% | 429 |
| Return on Equity (ROE) | 15.5046% | 745 |
| Retained earnings to average equity (ytd only) | 4.5792% | 3,382 |
| Net charge-offs to loans | 0.2897% | 1,362 |
| Credit loss provision to net charge-offs | 77.6699% | 2,643 |
| Earnings coverage of net charge-offs (x) | 9.6440% | 2,640 |
| Efficiency ratio | 53.5174% | 5,872 |
| Assets per employee ($millions) | 7.5240% | 635 |
| Cash dividends to net income (ytd only)* | 70.4658% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7231% | 6,054 |
| Loan loss allowance to noncurrent loans | 162.2496% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 2,790 |
| Noncurrent loans to loans | 0.4457% | 4,562 |
| Net loans and leases to total assets | 83.5362% | 360 |
| Net loans and leases to deposits | 96.5278% | 841 |
| Net loans and leases to core deposits | 117.7945% | 442 |
| Total domestic deposits to total assets | 86.5410% | 2,565 |
| Equity capital to assets | 8.2836% | 5,959 |
| Core capital (leverage) ratio | 8.2086% | 5,921 |
| Tier 1 risk-based capital ratio | 9.5024% | 6,436 |
| Total risk-based capital ratio | 10.2001% | 6,479 |
| Memoranda: | ||
| Average total assets | $171,747,000 | 3,341 |
| Average earning assets | $161,272,750 | 3,290 |
| Average equity | $14,034,250 | 4,038 |
| Average total loans | $142,224,500 | 2,693 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7348% | 207 |
| Cost of funding earning assets | 1.0852% | 160 |
| Net interest margin | 4.6496% | 532 |
| Noninterest income to average assets | 0.6012% | 2,812 |
| Noninterest expense to average assets | 2.7249% | 3,776 |
| Loan and lease loss provision to assets | 0.1868% | 1,306 |
| Net operating income to assets | 1.2212% | 1,526 |
| Return on assets (ROA) | 1.2212% | 1,585 |
| Pretax return on assets | 2.0512% | 486 |
| Return on Equity (ROE) | 15.0136% | 789 |
| Retained earnings to average equity (ytd only) | 3.5309% | 3,954 |
| Net charge-offs to loans | 0.2707% | 1,463 |
| Credit loss provision to net charge-offs | 83.7696% | 2,281 |
| Earnings coverage of net charge-offs (x) | 10.0366% | 2,284 |
| Efficiency ratio | 54.9047% | 5,837 |
| Assets per employee ($millions) | 8.2966% | 442 |
| Cash dividends to net income (ytd only)* | 76.4818% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 6,060 |
| Loan loss allowance to noncurrent loans | 163.0792% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 2,877 |
| Noncurrent loans to loans | 0.4701% | 4,591 |
| Net loans and leases to total assets | 81.0593% | 565 |
| Net loans and leases to deposits | 93.6022% | 999 |
| Net loans and leases to core deposits | 113.8605% | 541 |
| Total domestic deposits to total assets | 86.5997% | 2,699 |
| Equity capital to assets | 8.1026% | 6,091 |
| Core capital (leverage) ratio | 8.2494% | 5,889 |
| Tier 1 risk-based capital ratio | 9.4511% | 6,496 |
| Total risk-based capital ratio | 10.1820% | 6,535 |
| Memoranda: | ||
| Average total assets | $171,312,000 | 3,367 |
| Average earning assets | $160,703,670 | 3,313 |
| Average equity | $13,934,000 | 4,056 |
| Average total loans | $141,094,670 | 2,710 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7151% | 216 |
| Cost of funding earning assets | 1.0797% | 176 |
| Net interest margin | 4.6354% | 526 |
| Noninterest income to average assets | 0.5511% | 3,041 |
| Noninterest expense to average assets | 2.8212% | 3,488 |
| Loan and lease loss provision to assets | 0.1413% | 1,723 |
| Net operating income to assets | 1.1516% | 1,624 |
| Return on assets (ROA) | 1.1516% | 1,696 |
| Pretax return on assets | 1.9358% | 606 |
| Return on Equity (ROE) | 14.1304% | 924 |
| Retained earnings to average equity (ytd only) | 2.5718% | 4,529 |
| Net charge-offs to loans | 0.2192% | 1,445 |
| Credit loss provision to net charge-offs | 77.9221% | 1,922 |
| Earnings coverage of net charge-offs (x) | 11.4545% | 1,781 |
| Efficiency ratio | 57.5962% | 5,689 |
| Assets per employee ($millions) | 7.3930% | 664 |
| Cash dividends to net income (ytd only)* | 81.7996% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7795% | 6,147 |
| Loan loss allowance to noncurrent loans | 168.9602% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 3,030 |
| Noncurrent loans to loans | 0.4613% | 4,771 |
| Net loans and leases to total assets | 82.7211% | 315 |
| Net loans and leases to deposits | 96.0510% | 654 |
| Net loans and leases to core deposits | 117.0763% | 381 |
| Total domestic deposits to total assets | 86.1221% | 3,299 |
| Equity capital to assets | 8.1798% | 5,922 |
| Core capital (leverage) ratio | 8.3100% | 5,834 |
| Tier 1 risk-based capital ratio | 9.4021% | 6,564 |
| Total risk-based capital ratio | 10.1468% | 6,598 |
| Memoranda: | ||
| Average total assets | $169,854,000 | 3,411 |
| Average earning assets | $159,297,000 | 3,353 |
| Average equity | $13,842,500 | 4,075 |
| Average total loans | $140,482,500 | 2,728 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8608% | 211 |
| Cost of funding earning assets | 1.1986% | 180 |
| Net interest margin | 4.6622% | 540 |
| Noninterest income to average assets | 0.6324% | 2,901 |
| Noninterest expense to average assets | 2.7892% | 3,763 |
| Loan and lease loss provision to assets | 0.3180% | 1,039 |
| Net operating income to assets | 1.1235% | 1,856 |
| Return on assets (ROA) | 1.1235% | 1,921 |
| Pretax return on assets | 1.8860% | 621 |
| Return on Equity (ROE) | 13.9270% | 965 |
| Retained earnings to average equity (ytd only) | 3.3942% | 3,812 |
| Net charge-offs to loans | 0.4487% | 1,480 |
| Credit loss provision to net charge-offs | 89.1089% | 2,789 |
| Earnings coverage of net charge-offs (x) | 6.1766% | 3,113 |
| Efficiency ratio | 55.8608% | 5,965 |
| Assets per employee ($millions) | 7.0695% | 734 |
| Cash dividends to net income (ytd only)* | 75.6289% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 6,159 |
| Loan loss allowance to noncurrent loans | 168.2159% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 3,151 |
| Noncurrent loans to loans | 0.4792% | 4,796 |
| Net loans and leases to total assets | 81.3819% | 458 |
| Net loans and leases to deposits | 94.0458% | 875 |
| Net loans and leases to core deposits | 112.4404% | 516 |
| Total domestic deposits to total assets | 86.5343% | 2,977 |
| Equity capital to assets | 8.1194% | 5,924 |
| Core capital (leverage) ratio | 8.1615% | 6,007 |
| Tier 1 risk-based capital ratio | 9.4470% | 6,611 |
| Total risk-based capital ratio | 10.2119% | 6,652 |
| Memoranda: | ||
| Average total assets | $169,833,600 | 3,413 |
| Average earning assets | $158,851,800 | 3,366 |
| Average equity | $13,700,000 | 4,127 |
| Average total loans | $135,050,200 | 2,775 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8087% | 233 |
| Cost of funding earning assets | 1.2173% | 184 |
| Net interest margin | 4.5913% | 631 |
| Noninterest income to average assets | 0.6703% | 2,777 |
| Noninterest expense to average assets | 2.7447% | 3,853 |
| Loan and lease loss provision to assets | 0.3689% | 852 |
| Net operating income to assets | 1.1004% | 2,004 |
| Return on assets (ROA) | 1.1004% | 2,078 |
| Pretax return on assets | 1.8492% | 803 |
| Return on Equity (ROE) | 13.6634% | 1,080 |
| Retained earnings to average equity (ytd only) | 3.8983% | 3,911 |
| Net charge-offs to loans | 0.5104% | 1,259 |
| Credit loss provision to net charge-offs | 91.6179% | 2,597 |
| Earnings coverage of net charge-offs (x) | 5.5088% | 3,173 |
| Efficiency ratio | 55.3060% | 5,992 |
| Assets per employee ($millions) | 6.6129% | 887 |
| Cash dividends to net income (ytd only)* | 71.4694% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 6,193 |
| Loan loss allowance to noncurrent loans | 170.1337% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 3,427 |
| Noncurrent loans to loans | 0.4961% | 4,956 |
| Net loans and leases to total assets | 78.2424% | 721 |
| Net loans and leases to deposits | 90.5344% | 1,104 |
| Net loans and leases to core deposits | 107.6682% | 681 |
| Total domestic deposits to total assets | 86.4228% | 3,009 |
| Equity capital to assets | 8.0199% | 6,141 |
| Core capital (leverage) ratio | 8.0072% | 6,215 |
| Tier 1 risk-based capital ratio | 9.5380% | 6,679 |
| Total risk-based capital ratio | 10.3300% | 6,717 |
| Memoranda: | ||
| Average total assets | $169,875,000 | 3,451 |
| Average earning assets | $158,816,500 | 3,397 |
| Average equity | $13,681,000 | 4,182 |
| Average total loans | $134,012,500 | 2,807 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9060% | 208 |
| Cost of funding earning assets | 1.2227% | 198 |
| Net interest margin | 4.6833% | 524 |
| Noninterest income to average assets | 0.6620% | 2,845 |
| Noninterest expense to average assets | 2.7248% | 3,946 |
| Loan and lease loss provision to assets | 0.4965% | 551 |
| Net operating income to assets | 1.0793% | 2,000 |
| Return on assets (ROA) | 1.0793% | 2,113 |
| Pretax return on assets | 1.8145% | 901 |
| Return on Equity (ROE) | 13.3822% | 1,150 |
| Retained earnings to average equity (ytd only) | 6.1854% | 2,331 |
| Net charge-offs to loans | 0.6189% | 1,070 |
| Credit loss provision to net charge-offs | 101.6949% | 2,176 |
| Earnings coverage of net charge-offs (x) | 4.7337% | 3,050 |
| Efficiency ratio | 54.1080% | 6,140 |
| Assets per employee ($millions) | 6.7548% | 809 |
| Cash dividends to net income (ytd only)* | 53.7788% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,176 |
| Loan loss allowance to noncurrent loans | 175.9941% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 3,469 |
| Noncurrent loans to loans | 0.5031% | 5,012 |
| Net loans and leases to total assets | 79.2176% | 615 |
| Net loans and leases to deposits | 92.1290% | 946 |
| Net loans and leases to core deposits | 108.3094% | 640 |
| Total domestic deposits to total assets | 85.9856% | 3,375 |
| Equity capital to assets | 8.1673% | 6,078 |
| Core capital (leverage) ratio | 8.1923% | 6,018 |
| Tier 1 risk-based capital ratio | 9.6745% | 6,700 |
| Total risk-based capital ratio | 10.5114% | 6,733 |
| Memoranda: | ||
| Average total assets | $169,188,330 | 3,477 |
| Average earning assets | $158,008,670 | 3,427 |
| Average equity | $13,645,000 | 4,217 |
| Average total loans | $133,459,670 | 2,814 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8651% | 208 |
| Cost of funding earning assets | 1.2272% | 206 |
| Net interest margin | 4.6379% | 532 |
| Noninterest income to average assets | 0.5196% | 3,635 |
| Noninterest expense to average assets | 2.7777% | 3,774 |
| Loan and lease loss provision to assets | 0.7086% | 334 |
| Net operating income to assets | 0.8125% | 3,088 |
| Return on assets (ROA) | 0.8125% | 3,224 |
| Pretax return on assets | 1.3629% | 2,000 |
| Return on Equity (ROE) | 10.1389% | 2,013 |
| Retained earnings to average equity (ytd only) | 4.8042% | 3,353 |
| Net charge-offs to loans | 1.1755% | 500 |
| Credit loss provision to net charge-offs | 76.9231% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.2487% | 3,092 |
| Efficiency ratio | 57.2820% | 5,923 |
| Assets per employee ($millions) | 6.4668% | 999 |
| Cash dividends to net income (ytd only)* | 52.6163% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 6,461 |
| Loan loss allowance to noncurrent loans | 160.9971% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.2906% | 3,388 |
| Noncurrent loans to loans | 0.4949% | 5,191 |
| Net loans and leases to total assets | 81.3117% | 322 |
| Net loans and leases to deposits | 94.6039% | 633 |
| Net loans and leases to core deposits | 110.3689% | 487 |
| Total domestic deposits to total assets | 85.9496% | 3,552 |
| Equity capital to assets | 8.1231% | 6,314 |
| Core capital (leverage) ratio | 8.0883% | 6,061 |
| Tier 1 risk-based capital ratio | 9.5055% | 6,762 |
| Total risk-based capital ratio | 10.2754% | 6,812 |
| Memoranda: | ||
| Average total assets | $169,348,000 | 3,514 |
| Average earning assets | $158,088,500 | 3,465 |
| Average equity | $13,571,500 | 4,273 |
| Average total loans | $132,705,000 | 2,847 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 452 |
| Cost of funding earning assets | 1.4533% | 203 |
| Net interest margin | 4.2171% | 1,611 |
| Noninterest income to average assets | 0.6991% | 2,729 |
| Noninterest expense to average assets | 2.6881% | 4,442 |
| Loan and lease loss provision to assets | 0.5032% | 1,180 |
| Net operating income to assets | 0.8641% | 2,988 |
| Return on assets (ROA) | 0.8641% | 3,224 |
| Pretax return on assets | 1.4477% | 1,864 |
| Return on Equity (ROE) | 10.6995% | 1,907 |
| Retained earnings to average equity (ytd only) | 0.1180% | 5,780 |
| Net charge-offs to loans | 0.8564% | 1,336 |
| Credit loss provision to net charge-offs | 79.4920% | 3,847 |
| Earnings coverage of net charge-offs (x) | 3.0818% | 3,893 |
| Efficiency ratio | 57.9461% | 5,841 |
| Assets per employee ($millions) | 7.1066% | 741 |
| Cash dividends to net income (ytd only)* | 98.8973% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 6,190 |
| Loan loss allowance to noncurrent loans | 68.8696% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.7560% | 2,768 |
| Noncurrent loans to loans | 1.3519% | 3,577 |
| Net loans and leases to total assets | 74.1145% | 1,178 |
| Net loans and leases to deposits | 86.3432% | 1,474 |
| Net loans and leases to core deposits | 101.8048% | 900 |
| Total domestic deposits to total assets | 85.8372% | 3,435 |
| Equity capital to assets | 7.9064% | 6,454 |
| Core capital (leverage) ratio | 7.7522% | 6,370 |
| Tier 1 risk-based capital ratio | 9.8847% | 6,729 |
| Total risk-based capital ratio | 10.7617% | 6,790 |
| Memoranda: | ||
| Average total assets | $167,923,600 | 3,487 |
| Average earning assets | $156,886,800 | 3,422 |
| Average equity | $13,561,400 | 4,242 |
| Average total loans | $124,130,800 | 3,002 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6146% | 544 |
| Cost of funding earning assets | 1.4693% | 229 |
| Net interest margin | 4.1452% | 1,919 |
| Noninterest income to average assets | 0.7772% | 2,345 |
| Noninterest expense to average assets | 2.6369% | 4,613 |
| Loan and lease loss provision to assets | 0.3467% | 1,887 |
| Net operating income to assets | 0.9964% | 2,530 |
| Return on assets (ROA) | 0.9964% | 2,752 |
| Pretax return on assets | 1.6660% | 1,374 |
| Return on Equity (ROE) | 12.2722% | 1,544 |
| Retained earnings to average equity (ytd only) | 1.7868% | 5,435 |
| Net charge-offs to loans | 0.8296% | 1,321 |
| Credit loss provision to net charge-offs | 56.7145% | 4,245 |
| Earnings coverage of net charge-offs (x) | 3.2920% | 3,708 |
| Efficiency ratio | 56.7118% | 5,963 |
| Assets per employee ($millions) | 7.2271% | 659 |
| Cash dividends to net income (ytd only)* | 85.4395% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,513 |
| Loan loss allowance to noncurrent loans | 50.9246% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 3,477 |
| Noncurrent loans to loans | 1.6639% | 3,295 |
| Net loans and leases to total assets | 72.4574% | 1,476 |
| Net loans and leases to deposits | 84.7361% | 1,770 |
| Net loans and leases to core deposits | 99.6796% | 1,142 |
| Total domestic deposits to total assets | 85.5095% | 3,504 |
| Equity capital to assets | 7.8743% | 6,649 |
| Core capital (leverage) ratio | 7.8652% | 6,426 |
| Tier 1 risk-based capital ratio | 10.0699% | 6,781 |
| Total risk-based capital ratio | 10.8683% | 6,868 |
| Memoranda: | ||
| Average total assets | $167,264,750 | 3,531 |
| Average earning assets | $156,255,500 | 3,483 |
| Average equity | $13,580,500 | 4,285 |
| Average total loans | $123,264,250 | 3,048 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 468 |
| Cost of funding earning assets | 1.4821% | 258 |
| Net interest margin | 4.2384% | 1,642 |
| Noninterest income to average assets | 0.8293% | 2,059 |
| Noninterest expense to average assets | 2.7360% | 4,260 |
| Loan and lease loss provision to assets | 0.3450% | 1,905 |
| Net operating income to assets | 1.0194% | 2,384 |
| Return on assets (ROA) | 1.0194% | 2,609 |
| Pretax return on assets | 1.6985% | 1,259 |
| Return on Equity (ROE) | 12.4238% | 1,526 |
| Retained earnings to average equity (ytd only) | 2.7149% | 4,815 |
| Net charge-offs to loans | 1.1040% | 985 |
| Credit loss provision to net charge-offs | 42.2849% | 4,209 |
| Earnings coverage of net charge-offs (x) | 2.5045% | 3,761 |
| Efficiency ratio | 57.2442% | 5,966 |
| Assets per employee ($millions) | 7.1408% | 686 |
| Cash dividends to net income (ytd only)* | 78.1473% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 6,632 |
| Loan loss allowance to noncurrent loans | 49.0830% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 3,566 |
| Noncurrent loans to loans | 1.6735% | 3,385 |
| Net loans and leases to total assets | 71.6494% | 1,618 |
| Net loans and leases to deposits | 83.9856% | 1,853 |
| Net loans and leases to core deposits | 99.0266% | 1,174 |
| Total domestic deposits to total assets | 85.3115% | 3,705 |
| Equity capital to assets | 7.9677% | 6,585 |
| Core capital (leverage) ratio | 8.0299% | 6,241 |
| Tier 1 risk-based capital ratio | 10.4557% | 6,711 |
| Total risk-based capital ratio | 11.2404% | 6,812 |
| Memoranda: | ||
| Average total assets | $165,202,670 | 3,584 |
| Average earning assets | $153,972,670 | 3,536 |
| Average equity | $13,554,670 | 4,290 |
| Average total loans | $122,101,670 | 3,088 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7832% | 439 |
| Cost of funding earning assets | 1.4977% | 292 |
| Net interest margin | 4.2855% | 1,516 |
| Noninterest income to average assets | 0.7600% | 2,349 |
| Noninterest expense to average assets | 2.8671% | 3,757 |
| Loan and lease loss provision to assets | 0.2961% | 2,107 |
| Net operating income to assets | 0.9524% | 2,678 |
| Return on assets (ROA) | 0.9524% | 2,885 |
| Pretax return on assets | 1.5717% | 1,664 |
| Return on Equity (ROE) | 11.4332% | 1,860 |
| Retained earnings to average equity (ytd only) | 2.2215% | 5,155 |
| Net charge-offs to loans | 1.1843% | 864 |
| Credit loss provision to net charge-offs | 33.4262% | 3,565 |
| Earnings coverage of net charge-offs (x) | 2.1086% | 3,311 |
| Efficiency ratio | 60.5524% | 5,535 |
| Assets per employee ($millions) | 6.9170% | 787 |
| Cash dividends to net income (ytd only)* | 80.5699% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 6,454 |
| Loan loss allowance to noncurrent loans | 61.7460% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 3,403 |
| Noncurrent loans to loans | 1.5148% | 3,843 |
| Net loans and leases to total assets | 74.4553% | 990 |
| Net loans and leases to deposits | 88.8813% | 1,068 |
| Net loans and leases to core deposits | 105.1995% | 707 |
| Total domestic deposits to total assets | 83.7694% | 4,609 |
| Equity capital to assets | 8.1563% | 6,405 |
| Core capital (leverage) ratio | 8.4163% | 5,720 |
| Tier 1 risk-based capital ratio | 10.3658% | 6,772 |
| Total risk-based capital ratio | 11.2648% | 6,870 |
| Memoranda: | ||
| Average total assets | $162,114,500 | 3,647 |
| Average earning assets | $150,366,000 | 3,612 |
| Average equity | $13,504,500 | 4,302 |
| Average total loans | $121,248,000 | 3,124 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7230% | 745 |
| Cost of funding earning assets | 1.6659% | 368 |
| Net interest margin | 4.0570% | 2,608 |
| Noninterest income to average assets | 0.6931% | 2,638 |
| Noninterest expense to average assets | 2.4255% | 5,708 |
| Loan and lease loss provision to assets | 0.2673% | 3,540 |
| Net operating income to assets | 1.0215% | 2,124 |
| Return on assets (ROA) | 1.0215% | 2,268 |
| Pretax return on assets | 1.7140% | 960 |
| Return on Equity (ROE) | 11.9308% | 1,421 |
| Retained earnings to average equity (ytd only) | 0.3940% | 5,651 |
| Net charge-offs to loans | 0.2484% | 4,222 |
| Credit loss provision to net charge-offs | 146.8531% | 1,947 |
| Earnings coverage of net charge-offs (x) | 10.8846% | 1,781 |
| Efficiency ratio | 55.0404% | 6,415 |
| Assets per employee ($millions) | 6.8792% | 784 |
| Cash dividends to net income (ytd only)* | 96.6978% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,420 |
| Loan loss allowance to noncurrent loans | 70.1947% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.7848% | 3,274 |
| Noncurrent loans to loans | 1.7014% | 3,611 |
| Net loans and leases to total assets | 73.5182% | 1,353 |
| Net loans and leases to deposits | 88.2531% | 1,348 |
| Net loans and leases to core deposits | 107.3358% | 741 |
| Total domestic deposits to total assets | 83.3038% | 4,622 |
| Equity capital to assets | 8.5127% | 6,137 |
| Core capital (leverage) ratio | 8.4778% | 5,600 |
| Tier 1 risk-based capital ratio | 10.7743% | 6,568 |
| Total risk-based capital ratio | 11.9060% | 6,593 |
| Memoranda: | ||
| Average total assets | $157,120,800 | 3,676 |
| Average earning assets | $143,824,200 | 3,677 |
| Average equity | $13,452,600 | 4,248 |
| Average total loans | $115,126,600 | 3,269 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6839% | 874 |
| Cost of funding earning assets | 1.6843% | 422 |
| Net interest margin | 3.9997% | 2,913 |
| Noninterest income to average assets | 0.6903% | 2,664 |
| Noninterest expense to average assets | 2.3717% | 5,845 |
| Loan and lease loss provision to assets | 0.1785% | 4,245 |
| Net operating income to assets | 1.0702% | 2,072 |
| Return on assets (ROA) | 1.0702% | 2,216 |
| Pretax return on assets | 1.7979% | 959 |
| Return on Equity (ROE) | 12.4818% | 1,419 |
| Retained earnings to average equity (ytd only) | 0.8724% | 5,658 |
| Net charge-offs to loans | 0.2772% | 3,696 |
| Credit loss provision to net charge-offs | 88.2353% | 3,835 |
| Earnings coverage of net charge-offs (x) | 9.7688% | 2,006 |
| Efficiency ratio | 54.5455% | 6,434 |
| Assets per employee ($millions) | 6.3026% | 1,033 |
| Cash dividends to net income (ytd only)* | 93.0103% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 5,968 |
| Loan loss allowance to noncurrent loans | 229.0976% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8657% | 5,019 |
| Noncurrent loans to loans | 0.4699% | 5,906 |
| Net loans and leases to total assets | 72.5512% | 1,599 |
| Net loans and leases to deposits | 87.5213% | 1,491 |
| Net loans and leases to core deposits | 108.0226% | 766 |
| Total domestic deposits to total assets | 82.8954% | 4,724 |
| Equity capital to assets | 8.5723% | 6,227 |
| Core capital (leverage) ratio | 8.5540% | 5,629 |
| Tier 1 risk-based capital ratio | 10.9643% | 6,561 |
| Total risk-based capital ratio | 11.9803% | 6,678 |
| Memoranda: | ||
| Average total assets | $156,845,500 | 3,709 |
| Average earning assets | $143,441,750 | 3,709 |
| Average equity | $13,448,500 | 4,257 |
| Average total loans | $114,476,250 | 3,309 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7471% | 801 |
| Cost of funding earning assets | 1.7100% | 452 |
| Net interest margin | 4.0371% | 2,659 |
| Noninterest income to average assets | 0.7037% | 2,531 |
| Noninterest expense to average assets | 2.3894% | 5,876 |
| Loan and lease loss provision to assets | 0.2171% | 3,748 |
| Net operating income to assets | 1.0664% | 1,978 |
| Return on assets (ROA) | 1.0664% | 2,069 |
| Pretax return on assets | 1.7815% | 913 |
| Return on Equity (ROE) | 12.4358% | 1,363 |
| Retained earnings to average equity (ytd only) | 0.6255% | 5,611 |
| Net charge-offs to loans | 0.3085% | 3,331 |
| Credit loss provision to net charge-offs | 96.5909% | 3,258 |
| Earnings coverage of net charge-offs (x) | 8.8920% | 1,992 |
| Efficiency ratio | 54.4529% | 6,575 |
| Assets per employee ($millions) | 7.1946% | 658 |
| Cash dividends to net income (ytd only)* | 94.9701% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,896 |
| Loan loss allowance to noncurrent loans | 217.1527% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 5,101 |
| Noncurrent loans to loans | 0.5140% | 5,875 |
| Net loans and leases to total assets | 70.8588% | 2,042 |
| Net loans and leases to deposits | 85.4112% | 1,874 |
| Net loans and leases to core deposits | 105.4236% | 964 |
| Total domestic deposits to total assets | 82.9619% | 4,769 |
| Equity capital to assets | 8.5064% | 6,170 |
| Core capital (leverage) ratio | 8.5291% | 5,508 |
| Tier 1 risk-based capital ratio | 11.3720% | 6,273 |
| Total risk-based capital ratio | 12.4482% | 6,372 |
| Memoranda: | ||
| Average total assets | $156,605,330 | 3,740 |
| Average earning assets | $142,923,330 | 3,745 |
| Average equity | $13,429,000 | 4,248 |
| Average total loans | $114,115,000 | 3,356 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7377% | 819 |
| Cost of funding earning assets | 1.7469% | 452 |
| Net interest margin | 3.9908% | 2,722 |
| Noninterest income to average assets | 0.6651% | 2,756 |
| Noninterest expense to average assets | 2.4318% | 5,787 |
| Loan and lease loss provision to assets | 0.1027% | 4,726 |
| Net operating income to assets | 1.0683% | 1,955 |
| Return on assets (ROA) | 1.0683% | 2,005 |
| Pretax return on assets | 1.7796% | 851 |
| Return on Equity (ROE) | 12.4073% | 1,353 |
| Retained earnings to average equity (ytd only) | -0.0597% | 5,802 |
| Net charge-offs to loans | 0.1573% | 3,542 |
| Credit loss provision to net charge-offs | 88.8889% | 2,956 |
| Earnings coverage of net charge-offs (x) | 16.2889% | 1,272 |
| Efficiency ratio | 56.3690% | 6,461 |
| Assets per employee ($millions) | 6.3508% | 1,007 |
| Cash dividends to net income (ytd only)* | 100.4808% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 5,980 |
| Loan loss allowance to noncurrent loans | 165.4047% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 5,020 |
| Noncurrent loans to loans | 0.6756% | 5,676 |
| Net loans and leases to total assets | 70.6196% | 2,006 |
| Net loans and leases to deposits | 85.7831% | 1,767 |
| Net loans and leases to core deposits | 106.0085% | 937 |
| Total domestic deposits to total assets | 82.3234% | 5,180 |
| Equity capital to assets | 8.4456% | 5,989 |
| Core capital (leverage) ratio | 8.7137% | 5,065 |
| Tier 1 risk-based capital ratio | 11.0416% | 6,482 |
| Total risk-based capital ratio | 12.0906% | 6,593 |
| Memoranda: | ||
| Average total assets | $155,767,500 | 3,778 |
| Average earning assets | $142,427,000 | 3,783 |
| Average equity | $13,411,500 | 4,237 |
| Average total loans | $114,461,500 | 3,378 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0411% | 786 |
| Cost of funding earning assets | 2.2350% | 270 |
| Net interest margin | 3.8060% | 3,915 |
| Noninterest income to average assets | 0.6216% | 3,332 |
| Noninterest expense to average assets | 2.3100% | 6,329 |
| Loan and lease loss provision to assets | 0.3965% | 3,739 |
| Net operating income to assets | 0.8389% | 2,638 |
| Return on assets (ROA) | 0.8557% | 2,702 |
| Pretax return on assets | 1.4198% | 1,596 |
| Return on Equity (ROE) | 10.0964% | 1,888 |
| Retained earnings to average equity (ytd only) | 0.9734% | 5,060 |
| Net charge-offs to loans | 0.5462% | 3,424 |
| Credit loss provision to net charge-offs | 94.3683% | 4,925 |
| Earnings coverage of net charge-offs (x) | 4.2603% | 2,997 |
| Efficiency ratio | 56.3407% | 6,555 |
| Assets per employee ($millions) | 6.1106% | 1,142 |
| Cash dividends to net income (ytd only)* | 90.3587% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 5,948 |
| Loan loss allowance to noncurrent loans | 79.2030% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.5213% | 4,033 |
| Noncurrent loans to loans | 1.3901% | 4,401 |
| Net loans and leases to total assets | 74.7954% | 1,519 |
| Net loans and leases to deposits | 90.7814% | 1,424 |
| Net loans and leases to core deposits | 108.2519% | 1,026 |
| Total domestic deposits to total assets | 82.3907% | 5,063 |
| Equity capital to assets | 8.7807% | 5,466 |
| Core capital (leverage) ratio | 8.6936% | 5,031 |
| Tier 1 risk-based capital ratio | 10.9689% | 6,346 |
| Total risk-based capital ratio | 12.0151% | 6,486 |
| Memoranda: | ||
| Average total assets | $156,362,400 | 3,767 |
| Average earning assets | $142,905,400 | 3,761 |
| Average equity | $13,252,200 | 4,318 |
| Average total loans | $120,292,600 | 3,309 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0247% | 889 |
| Cost of funding earning assets | 2.3014% | 272 |
| Net interest margin | 3.7233% | 4,293 |
| Noninterest income to average assets | 0.5816% | 3,570 |
| Noninterest expense to average assets | 2.3383% | 6,210 |
| Loan and lease loss provision to assets | 0.4197% | 3,390 |
| Net operating income to assets | 0.7179% | 3,332 |
| Return on assets (ROA) | 0.7401% | 3,402 |
| Pretax return on assets | 1.2641% | 2,285 |
| Return on Equity (ROE) | 8.8101% | 2,560 |
| Retained earnings to average equity (ytd only) | -0.3330% | 5,868 |
| Net charge-offs to loans | 0.5279% | 3,188 |
| Credit loss provision to net charge-offs | 102.9106% | 4,175 |
| Earnings coverage of net charge-offs (x) | 4.0436% | 3,206 |
| Efficiency ratio | 58.6434% | 6,171 |
| Assets per employee ($millions) | 6.3083% | 1,071 |
| Cash dividends to net income (ytd only)* | 103.7802% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,918 |
| Loan loss allowance to noncurrent loans | 98.6577% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0348% | 5,037 |
| Noncurrent loans to loans | 1.1203% | 4,996 |
| Net loans and leases to total assets | 75.0596% | 1,574 |
| Net loans and leases to deposits | 90.7714% | 1,611 |
| Net loans and leases to core deposits | 112.0604% | 930 |
| Total domestic deposits to total assets | 82.6908% | 4,721 |
| Equity capital to assets | 8.4016% | 6,392 |
| Core capital (leverage) ratio | 8.4001% | 5,699 |
| Tier 1 risk-based capital ratio | 10.5933% | 6,711 |
| Total risk-based capital ratio | 11.6569% | 6,828 |
| Memoranda: | ||
| Average total assets | $157,261,500 | 3,810 |
| Average earning assets | $143,849,250 | 3,797 |
| Average equity | $13,211,750 | 4,393 |
| Average total loans | $121,482,250 | 3,340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 1,098 |
| Cost of funding earning assets | 2.3191% | 320 |
| Net interest margin | 3.6148% | 4,757 |
| Noninterest income to average assets | 0.7040% | 2,678 |
| Noninterest expense to average assets | 2.3206% | 6,301 |
| Loan and lease loss provision to assets | 0.5983% | 2,392 |
| Net operating income to assets | 0.6489% | 3,631 |
| Return on assets (ROA) | 0.6823% | 3,622 |
| Pretax return on assets | 1.1648% | 2,534 |
| Return on Equity (ROE) | 8.1218% | 2,840 |
| Retained earnings to average equity (ytd only) | -0.5455% | 5,859 |
| Net charge-offs to loans | 0.4620% | 3,156 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 4.7660% | 2,852 |
| Efficiency ratio | 57.5624% | 6,444 |
| Assets per employee ($millions) | 6.1775% | 1,113 |
| Cash dividends to net income (ytd only)* | 106.7164% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 5,387 |
| Loan loss allowance to noncurrent loans | 74.3297% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.2539% | 4,644 |
| Noncurrent loans to loans | 1.6313% | 4,263 |
| Net loans and leases to total assets | 75.9364% | 1,500 |
| Net loans and leases to deposits | 91.5084% | 1,612 |
| Net loans and leases to core deposits | 115.2438% | 871 |
| Total domestic deposits to total assets | 82.9830% | 4,583 |
| Equity capital to assets | 8.2495% | 6,481 |
| Core capital (leverage) ratio | 8.6697% | 5,128 |
| Tier 1 risk-based capital ratio | 10.4047% | 6,757 |
| Total risk-based capital ratio | 11.5868% | 6,792 |
| Memoranda: | ||
| Average total assets | $157,112,670 | 3,844 |
| Average earning assets | $144,626,330 | 3,804 |
| Average equity | $13,199,000 | 4,394 |
| Average total loans | $122,077,000 | 3,362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9454% | 1,088 |
| Cost of funding earning assets | 2.3871% | 317 |
| Net interest margin | 3.5583% | 4,907 |
| Noninterest income to average assets | 0.7569% | 2,259 |
| Noninterest expense to average assets | 2.4124% | 6,042 |
| Loan and lease loss provision to assets | 1.0041% | 1,239 |
| Net operating income to assets | 0.3573% | 5,039 |
| Return on assets (ROA) | 0.4248% | 4,873 |
| Pretax return on assets | 0.7235% | 4,155 |
| Return on Equity (ROE) | 5.0101% | 4,353 |
| Retained earnings to average equity (ytd only) | -7.8339% | 6,818 |
| Net charge-offs to loans | 0.8074% | 1,926 |
| Credit loss provision to net charge-offs | 159.1837% | 2,261 |
| Earnings coverage of net charge-offs (x) | 2.5714% | 3,255 |
| Efficiency ratio | 59.7958% | 6,214 |
| Assets per employee ($millions) | 5.9280% | 1,307 |
| Cash dividends to net income (ytd only)* | 256.3636% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,422 |
| Loan loss allowance to noncurrent loans | 72.8822% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 4,590 |
| Noncurrent loans to loans | 1.6683% | 4,245 |
| Net loans and leases to total assets | 76.6441% | 1,406 |
| Net loans and leases to deposits | 97.0777% | 991 |
| Net loans and leases to core deposits | 128.3506% | 530 |
| Total domestic deposits to total assets | 78.9513% | 6,092 |
| Equity capital to assets | 8.4521% | 6,070 |
| Core capital (leverage) ratio | 8.4147% | 5,536 |
| Tier 1 risk-based capital ratio | 10.5321% | 6,605 |
| Total risk-based capital ratio | 11.7145% | 6,658 |
| Memoranda: | ||
| Average total assets | $155,361,000 | 3,920 |
| Average earning assets | $143,103,000 | 3,886 |
| Average equity | $13,173,500 | 4,437 |
| Average total loans | $121,384,000 | 3,440 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4500% | 736 |
| Cost of funding earning assets | 2.6273% | 718 |
| Net interest margin | 3.8227% | 3,610 |
| Noninterest income to average assets | 0.7910% | 2,450 |
| Noninterest expense to average assets | 2.5274% | 6,037 |
| Loan and lease loss provision to assets | 0.7285% | 2,925 |
| Net operating income to assets | 0.7115% | 2,889 |
| Return on assets (ROA) | 0.7115% | 2,953 |
| Pretax return on assets | 1.0748% | 2,322 |
| Return on Equity (ROE) | 8.4445% | 2,218 |
| Retained earnings to average equity (ytd only) | 2.7849% | 3,211 |
| Net charge-offs to loans | 0.5592% | 3,542 |
| Credit loss provision to net charge-offs | 168.3673% | 2,555 |
| Earnings coverage of net charge-offs (x) | 4.1676% | 3,032 |
| Efficiency ratio | 58.3600% | 6,711 |
| Assets per employee ($millions) | 5.5926% | 1,562 |
| Cash dividends to net income (ytd only)* | 67.0213% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 6,077 |
| Loan loss allowance to noncurrent loans | 94.7864% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 5,338 |
| Noncurrent loans to loans | 1.1211% | 5,089 |
| Net loans and leases to total assets | 77.8287% | 1,422 |
| Net loans and leases to deposits | 97.9521% | 1,106 |
| Net loans and leases to core deposits | 123.1981% | 1,700 |
| Total domestic deposits to total assets | 79.4558% | 5,860 |
| Equity capital to assets | 8.5061% | 5,868 |
| Core capital (leverage) ratio | 8.1619% | 5,885 |
| Tier 1 risk-based capital ratio | 10.1359% | 6,757 |
| Total risk-based capital ratio | 11.1401% | 6,938 |
| Memoranda: | ||
| Average total assets | $158,542,200 | 3,800 |
| Average earning assets | $146,806,200 | 3,768 |
| Average equity | $13,357,800 | 4,418 |
| Average total loans | $122,676,800 | 3,424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4824% | 780 |
| Cost of funding earning assets | 2.6420% | 927 |
| Net interest margin | 3.8404% | 3,479 |
| Noninterest income to average assets | 0.6397% | 3,423 |
| Noninterest expense to average assets | 2.5370% | 5,945 |
| Loan and lease loss provision to assets | 0.2599% | 4,875 |
| Net operating income to assets | 0.8132% | 2,750 |
| Return on assets (ROA) | 0.8132% | 2,817 |
| Pretax return on assets | 1.4026% | 1,687 |
| Return on Equity (ROE) | 9.6751% | 2,040 |
| Retained earnings to average equity (ytd only) | 2.1345% | 4,133 |
| Net charge-offs to loans | 0.2404% | 4,549 |
| Credit loss provision to net charge-offs | 140.2715% | 3,505 |
| Earnings coverage of net charge-offs (x) | 8.9728% | 2,168 |
| Efficiency ratio | 60.4113% | 6,356 |
| Assets per employee ($millions) | 6.1974% | 1,120 |
| Cash dividends to net income (ytd only)* | 77.9378% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 7,277 |
| Loan loss allowance to noncurrent loans | 182.1569% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 6,728 |
| Noncurrent loans to loans | 0.4087% | 6,515 |
| Net loans and leases to total assets | 74.0269% | 2,512 |
| Net loans and leases to deposits | 95.5979% | 1,634 |
| Net loans and leases to core deposits | 119.5276% | 2,288 |
| Total domestic deposits to total assets | 77.4357% | 6,232 |
| Equity capital to assets | 7.8778% | 6,962 |
| Core capital (leverage) ratio | 8.0862% | 6,208 |
| Tier 1 risk-based capital ratio | 10.1918% | 6,784 |
| Total risk-based capital ratio | 10.9174% | 7,222 |
| Memoranda: | ||
| Average total assets | $159,029,250 | 3,813 |
| Average earning assets | $147,410,000 | 3,770 |
| Average equity | $13,367,250 | 4,441 |
| Average total loans | $122,550,000 | 3,459 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 824 |
| Cost of funding earning assets | 2.7185% | 988 |
| Net interest margin | 3.7808% | 3,634 |
| Noninterest income to average assets | 0.6630% | 3,247 |
| Noninterest expense to average assets | 2.4907% | 6,153 |
| Loan and lease loss provision to assets | 0.2048% | 5,003 |
| Net operating income to assets | 0.8985% | 2,466 |
| Return on assets (ROA) | 0.8985% | 2,570 |
| Pretax return on assets | 1.4706% | 1,528 |
| Return on Equity (ROE) | 10.4550% | 1,863 |
| Retained earnings to average equity (ytd only) | 3.8275% | 3,161 |
| Net charge-offs to loans | 0.1675% | 4,548 |
| Credit loss provision to net charge-offs | 156.8627% | 2,931 |
| Earnings coverage of net charge-offs (x) | 12.8333% | 1,782 |
| Efficiency ratio | 59.7849% | 6,585 |
| Assets per employee ($millions) | 5.5794% | 1,518 |
| Cash dividends to net income (ytd only)* | 63.3903% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 7,347 |
| Loan loss allowance to noncurrent loans | 153.7671% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 6,550 |
| Noncurrent loans to loans | 0.4777% | 6,331 |
| Net loans and leases to total assets | 75.0054% | 2,432 |
| Net loans and leases to deposits | 98.6595% | 1,438 |
| Net loans and leases to core deposits | 123.4121% | 2,075 |
| Total domestic deposits to total assets | 76.0245% | 6,546 |
| Equity capital to assets | 8.4702% | 6,092 |
| Core capital (leverage) ratio | 8.3990% | 5,622 |
| Tier 1 risk-based capital ratio | 10.5370% | 6,341 |
| Total risk-based capital ratio | 11.2336% | 6,877 |
| Memoranda: | ||
| Average total assets | $156,262,000 | 3,893 |
| Average earning assets | $144,785,000 | 3,844 |
| Average equity | $13,429,000 | 4,437 |
| Average total loans | $121,800,330 | 3,496 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6688% | 614 |
| Cost of funding earning assets | 2.7984% | 987 |
| Net interest margin | 3.8704% | 3,188 |
| Noninterest income to average assets | 0.7245% | 2,738 |
| Noninterest expense to average assets | 2.5096% | 5,802 |
| Loan and lease loss provision to assets | 0.1955% | 4,484 |
| Net operating income to assets | 0.9746% | 2,419 |
| Return on assets (ROA) | 0.9746% | 2,545 |
| Pretax return on assets | 1.5949% | 1,418 |
| Return on Equity (ROE) | 11.2557% | 1,897 |
| Retained earnings to average equity (ytd only) | 6.3201% | 2,486 |
| Net charge-offs to loans | 0.1645% | 3,647 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 13.7400% | 1,722 |
| Efficiency ratio | 58.3636% | 6,639 |
| Assets per employee ($millions) | 5.6458% | 1,439 |
| Cash dividends to net income (ytd only)* | 43.8503% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 7,390 |
| Loan loss allowance to noncurrent loans | 408.0189% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 7,201 |
| Noncurrent loans to loans | 0.1759% | 7,021 |
| Net loans and leases to total assets | 73.0753% | 2,992 |
| Net loans and leases to deposits | 95.8924% | 1,967 |
| Net loans and leases to core deposits | 119.6428% | 2,448 |
| Total domestic deposits to total assets | 76.2055% | 6,474 |
| Equity capital to assets | 8.3407% | 6,328 |
| Core capital (leverage) ratio | 8.9448% | 4,802 |
| Tier 1 risk-based capital ratio | 10.4417% | 6,455 |
| Total risk-based capital ratio | 11.1093% | 6,976 |
| Memoranda: | ||
| Average total assets | $153,491,500 | 3,950 |
| Average earning assets | $141,794,000 | 3,920 |
| Average equity | $13,291,000 | 4,510 |
| Average total loans | $121,571,000 | 3,520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2788% | 622 |
| Cost of funding earning assets | 3.4400% | 624 |
| Net interest margin | 3.8388% | 3,843 |
| Noninterest income to average assets | 1.2137% | 1,009 |
| Noninterest expense to average assets | 2.9750% | 4,167 |
| Loan and lease loss provision to assets | 0.3028% | 3,953 |
| Net operating income to assets | 0.8628% | 3,158 |
| Return on assets (ROA) | 0.8628% | 3,009 |
| Pretax return on assets | 1.4182% | 1,913 |
| Return on Equity (ROE) | 9.5455% | 2,419 |
| Retained earnings to average equity (ytd only) | 4.1815% | 2,523 |
| Net charge-offs to loans | 0.1981% | 4,215 |
| Credit loss provision to net charge-offs | 174.5536% | 2,916 |
| Earnings coverage of net charge-offs (x) | 9.9196% | 2,612 |
| Efficiency ratio | 63.3515% | 5,698 |
| Assets per employee ($millions) | 4.6212% | 2,444 |
| Cash dividends to net income (ytd only)* | 56.1939% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 7,468 |
| Loan loss allowance to noncurrent loans | 348.5477% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 6,896 |
| Noncurrent loans to loans | 0.1965% | 6,804 |
| Net loans and leases to total assets | 85.0177% | 735 |
| Net loans and leases to deposits | 104.9903% | 1,233 |
| Net loans and leases to core deposits | 138.0419% | 1,371 |
| Total domestic deposits to total assets | 80.9767% | 4,648 |
| Equity capital to assets | 9.0230% | 5,343 |
| Core capital (leverage) ratio | 9.1681% | 4,491 |
| Tier 1 risk-based capital ratio | 10.0181% | 6,714 |
| Total risk-based capital ratio | 10.6751% | 7,304 |
| Memoranda: | ||
| Average total assets | $129,107,400 | 4,304 |
| Average earning assets | $117,121,400 | 4,336 |
| Average equity | $11,670,400 | 4,923 |
| Average total loans | $113,088,600 | 3,610 |