Home > Bank of Kilmichael > Performance and Condition Ratios
Bank of Kilmichael, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 2,246 |
| Cost of funding earning assets | 1.5387% | 1,847 |
| Net interest margin | 3.3753% | 2,457 |
| Noninterest income to average assets | 1.6700% | 329 |
| Noninterest expense to average assets | 2.5644% | 2,109 |
| Loan and lease loss provision to assets | 0.4300% | 224 |
| Net operating income to assets | 1.8252% | 588 |
| Return on assets (ROA) | 1.8097% | 583 |
| Pretax return on assets | 1.8097% | 877 |
| Return on Equity (ROE) | 44.1200% | 67 |
| Retained earnings to average equity (ytd only) | 28.9982% | 51 |
| Net charge-offs to loans | 0.5997% | 164 |
| Credit loss provision to net charge-offs | 138.6781% | 1,541 |
| Earnings coverage of net charge-offs (x) | 7.8360% | 2,379 |
| Efficiency ratio | 53.2496% | 3,734 |
| Assets per employee ($millions) | 6.3192% | 2,535 |
| Cash dividends to net income (ytd only)* | 34.2791% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9903% | 377 |
| Loan loss allowance to noncurrent loans | 1,409.6154% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 2,671 |
| Noncurrent loans to loans | 0.1412% | 2,804 |
| Net loans and leases to total assets | 48.6100% | 3,691 |
| Net loans and leases to deposits | 53.9482% | 3,799 |
| Net loans and leases to core deposits | 58.3017% | 3,827 |
| Total domestic deposits to total assets | 90.1100% | 728 |
| Equity capital to assets | 4.8424% | 4,435 |
| Core capital (leverage) ratio | 9.4960% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $284,351,800 | 2,500 |
| Average earning assets | $264,956,600 | 2,493 |
| Average equity | $11,662,800 | 3,561 |
| Average total loans | $136,237,800 | 2,803 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 2,274 |
| Cost of funding earning assets | 1.4045% | 1,855 |
| Net interest margin | 3.3913% | 2,472 |
| Noninterest income to average assets | 1.8600% | 307 |
| Noninterest expense to average assets | 2.4766% | 2,302 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 2.3201% | 317 |
| Return on assets (ROA) | 2.3002% | 322 |
| Pretax return on assets | 2.3002% | 483 |
| Return on Equity (ROE) | 58.8900% | 55 |
| Retained earnings to average equity (ytd only) | 40.0245% | 49 |
| Net charge-offs to loans | 0.4385% | 192 |
| Credit loss provision to net charge-offs | 99.3166% | 1,632 |
| Earnings coverage of net charge-offs (x) | 12.2392% | 2,077 |
| Efficiency ratio | 49.2922% | 3,962 |
| Assets per employee ($millions) | 6.5642% | 2,278 |
| Cash dividends to net income (ytd only)* | 32.0346% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 547 |
| Loan loss allowance to noncurrent loans | 92.7583% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 560 |
| Noncurrent loans to loans | 1.9625% | 315 |
| Net loans and leases to total assets | 47.7100% | 3,755 |
| Net loans and leases to deposits | 52.5488% | 3,860 |
| Net loans and leases to core deposits | 56.3794% | 3,842 |
| Total domestic deposits to total assets | 90.7900% | 720 |
| Equity capital to assets | 4.1752% | 4,385 |
| Core capital (leverage) ratio | 9.4162% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $281,188,750 | 2,521 |
| Average earning assets | $262,112,250 | 2,510 |
| Average equity | $10,983,000 | 3,615 |
| Average total loans | $133,469,250 | 2,834 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 2,357 |
| Cost of funding earning assets | 1.1799% | 2,053 |
| Net interest margin | 3.4474% | 2,398 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.4026% | 2,475 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.3868% | 1,365 |
| Return on assets (ROA) | 1.3601% | 1,404 |
| Pretax return on assets | 1.3601% | 1,919 |
| Return on Equity (ROE) | 35.7000% | 141 |
| Retained earnings to average equity (ytd only) | 15.7790% | 494 |
| Net charge-offs to loans | 0.6610% | 128 |
| Credit loss provision to net charge-offs | 66.9767% | 1,603 |
| Earnings coverage of net charge-offs (x) | 5.1721% | 2,185 |
| Efficiency ratio | 59.8918% | 2,977 |
| Assets per employee ($millions) | 6.0317% | 2,682 |
| Cash dividends to net income (ytd only)* | 55.7979% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 578 |
| Loan loss allowance to noncurrent loans | 92.1415% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9677% | 493 |
| Noncurrent loans to loans | 1.9758% | 283 |
| Net loans and leases to total assets | 48.0900% | 3,681 |
| Net loans and leases to deposits | 53.0019% | 3,797 |
| Net loans and leases to core deposits | 57.0961% | 3,765 |
| Total domestic deposits to total assets | 90.7200% | 723 |
| Equity capital to assets | 3.9458% | 4,510 |
| Core capital (leverage) ratio | 9.0595% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $276,455,667 | 2,547 |
| Average earning assets | $257,642,667 | 2,540 |
| Average equity | $10,533,000 | 3,676 |
| Average total loans | $130,112,333 | 2,862 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 2,336 |
| Cost of funding earning assets | 0.9405% | 2,244 |
| Net interest margin | 3.5516% | 2,239 |
| Noninterest income to average assets | 1.0900% | 508 |
| Noninterest expense to average assets | 2.3845% | 2,574 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.8090% | 654 |
| Return on assets (ROA) | 1.7568% | 731 |
| Pretax return on assets | 1.7568% | 1,155 |
| Return on Equity (ROE) | 46.9500% | 90 |
| Retained earnings to average equity (ytd only) | 30.1390% | 113 |
| Net charge-offs to loans | 1.3520% | 57 |
| Credit loss provision to net charge-offs | 33.0233% | 1,341 |
| Earnings coverage of net charge-offs (x) | 3.2326% | 1,892 |
| Efficiency ratio | 54.2010% | 3,583 |
| Assets per employee ($millions) | 6.1283% | 2,652 |
| Cash dividends to net income (ytd only)* | 35.8086% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7980% | 667 |
| Loan loss allowance to noncurrent loans | 74.2976% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1110% | 353 |
| Noncurrent loans to loans | 2.4200% | 205 |
| Net loans and leases to total assets | 45.0800% | 3,820 |
| Net loans and leases to deposits | 48.5733% | 3,945 |
| Net loans and leases to core deposits | 51.9152% | 3,917 |
| Total domestic deposits to total assets | 92.8200% | 342 |
| Equity capital to assets | 3.9368% | 4,548 |
| Core capital (leverage) ratio | 9.3657% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $275,954,500 | 2,583 |
| Average earning assets | $256,898,000 | 2,573 |
| Average equity | $10,325,500 | 3,741 |
| Average total loans | $127,223,000 | 2,910 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 1,169 |
| Cost of funding earning assets | 0.3317% | 2,619 |
| Net interest margin | 3.9125% | 929 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.5474% | 1,974 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.6111% | 674 |
| Return on assets (ROA) | 1.5470% | 757 |
| Pretax return on assets | 1.5470% | 1,302 |
| Return on Equity (ROE) | 30.8500% | 105 |
| Retained earnings to average equity (ytd only) | 12.1709% | 635 |
| Net charge-offs to loans | 0.1247% | 624 |
| Credit loss provision to net charge-offs | 132.6667% | 1,392 |
| Earnings coverage of net charge-offs (x) | 29.1333% | 1,700 |
| Efficiency ratio | 60.1459% | 3,038 |
| Assets per employee ($millions) | 5.8697% | 2,884 |
| Cash dividends to net income (ytd only)* | 60.5493% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0916% | 364 |
| Loan loss allowance to noncurrent loans | 69.3082% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4148% | 239 |
| Noncurrent loans to loans | 3.0178% | 141 |
| Net loans and leases to total assets | 45.3400% | 3,831 |
| Net loans and leases to deposits | 47.3789% | 3,996 |
| Net loans and leases to core deposits | 50.0217% | 3,974 |
| Total domestic deposits to total assets | 95.6900% | 97 |
| Equity capital to assets | 3.5381% | 4,565 |
| Core capital (leverage) ratio | 9.0840% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $258,886,800 | 2,678 |
| Average earning assets | $239,057,200 | 2,677 |
| Average equity | $12,981,800 | 3,573 |
| Average total loans | $120,315,400 | 2,917 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 876 |
| Cost of funding earning assets | 0.2975% | 2,198 |
| Net interest margin | 3.9111% | 782 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4609% | 2,122 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.7893% | 439 |
| Return on assets (ROA) | 1.7888% | 429 |
| Pretax return on assets | 1.7888% | 748 |
| Return on Equity (ROE) | 33.1000% | 75 |
| Retained earnings to average equity (ytd only) | 11.7154% | 860 |
| Net charge-offs to loans | 0.0683% | 815 |
| Credit loss provision to net charge-offs | 98.3607% | 1,343 |
| Earnings coverage of net charge-offs (x) | 57.3279% | 1,198 |
| Efficiency ratio | 57.4781% | 3,447 |
| Assets per employee ($millions) | 5.8837% | 2,864 |
| Cash dividends to net income (ytd only)* | 64.6100% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 406 |
| Loan loss allowance to noncurrent loans | 737.3563% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 2,693 |
| Noncurrent loans to loans | 0.2856% | 2,225 |
| Net loans and leases to total assets | 45.0600% | 3,814 |
| Net loans and leases to deposits | 47.5192% | 3,969 |
| Net loans and leases to core deposits | 49.8648% | 3,957 |
| Total domestic deposits to total assets | 94.8200% | 244 |
| Equity capital to assets | 3.2009% | 4,578 |
| Core capital (leverage) ratio | 9.0604% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $256,106,750 | 2,709 |
| Average earning assets | $236,208,250 | 2,712 |
| Average equity | $13,839,000 | 3,534 |
| Average total loans | $119,138,000 | 2,936 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 811 |
| Cost of funding earning assets | 0.2965% | 1,747 |
| Net interest margin | 3.7813% | 784 |
| Noninterest income to average assets | 0.6919% | 1,376 |
| Noninterest expense to average assets | 2.4034% | 2,215 |
| Loan and lease loss provision to assets | -0.0553% | 4,531 |
| Net operating income to assets | 1.8190% | 324 |
| Return on assets (ROA) | 1.8182% | 321 |
| Pretax return on assets | 1.8182% | 571 |
| Return on Equity (ROE) | 29.4618% | 63 |
| Retained earnings to average equity (ytd only) | 8.0886% | 1,585 |
| Net charge-offs to loans | -0.0085% | 3,528 |
| Credit loss provision to net charge-offs | 1,400.0000% | 323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6763% | 3,606 |
| Assets per employee ($millions) | 5.7059% | 3,024 |
| Cash dividends to net income (ytd only)* | 72.5456% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 502 |
| Loan loss allowance to noncurrent loans | 744.6429% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 2,798 |
| Noncurrent loans to loans | 0.2752% | 2,374 |
| Net loans and leases to total assets | 46.5745% | 3,671 |
| Net loans and leases to deposits | 48.7313% | 3,882 |
| Net loans and leases to core deposits | 51.5235% | 3,843 |
| Total domestic deposits to total assets | 95.5742% | 105 |
| Equity capital to assets | 3.3454% | 4,672 |
| Core capital (leverage) ratio | 9.0128% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,220,000 | 2,755 |
| Average earning assets | $232,727,000 | 2,775 |
| Average equity | $15,627,000 | 3,439 |
| Average total loans | $118,227,333 | 2,967 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 859 |
| Cost of funding earning assets | 0.2990% | 1,668 |
| Net interest margin | 3.6435% | 831 |
| Noninterest income to average assets | 0.5441% | 1,933 |
| Noninterest expense to average assets | 2.3910% | 2,196 |
| Loan and lease loss provision to assets | 0.2020% | 361 |
| Net operating income to assets | 1.3045% | 996 |
| Return on assets (ROA) | 1.3045% | 989 |
| Pretax return on assets | 1.3045% | 1,497 |
| Return on Equity (ROE) | 17.1320% | 407 |
| Retained earnings to average equity (ytd only) | 0.6268% | 3,895 |
| Net charge-offs to loans | -0.0138% | 3,720 |
| Credit loss provision to net charge-offs | -3,175.0000% | 3,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3469% | 3,343 |
| Assets per employee ($millions) | 6.1432% | 2,667 |
| Cash dividends to net income (ytd only)* | 96.3415% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2803% | 383 |
| Loan loss allowance to noncurrent loans | 4,280.9524% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,797 |
| Noncurrent loans to loans | 0.0533% | 3,601 |
| Net loans and leases to total assets | 44.7953% | 3,677 |
| Net loans and leases to deposits | 48.1629% | 3,859 |
| Net loans and leases to core deposits | 50.9325% | 3,815 |
| Total domestic deposits to total assets | 93.0078% | 273 |
| Equity capital to assets | 6.1934% | 4,533 |
| Core capital (leverage) ratio | 8.9052% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,446,500 | 2,778 |
| Average earning assets | $231,426,500 | 2,794 |
| Average equity | $19,145,500 | 3,224 |
| Average total loans | $116,296,000 | 2,980 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 598 |
| Cost of funding earning assets | 0.4740% | 1,039 |
| Net interest margin | 4.0361% | 660 |
| Noninterest income to average assets | 1.4693% | 519 |
| Noninterest expense to average assets | 2.7477% | 1,485 |
| Loan and lease loss provision to assets | 0.2250% | 446 |
| Net operating income to assets | 2.1985% | 245 |
| Return on assets (ROA) | 2.3239% | 211 |
| Pretax return on assets | 2.3239% | 335 |
| Return on Equity (ROE) | 24.5768% | 129 |
| Retained earnings to average equity (ytd only) | 11.7686% | 569 |
| Net charge-offs to loans | 0.1168% | 773 |
| Credit loss provision to net charge-offs | 375.9124% | 944 |
| Earnings coverage of net charge-offs (x) | 40.4891% | 1,434 |
| Efficiency ratio | 53.1345% | 4,016 |
| Assets per employee ($millions) | 5.4417% | 3,316 |
| Cash dividends to net income (ytd only)* | 52.1151% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 416 |
| Loan loss allowance to noncurrent loans | 4,583.9286% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,899 |
| Noncurrent loans to loans | 0.0490% | 3,727 |
| Net loans and leases to total assets | 45.6347% | 3,720 |
| Net loans and leases to deposits | 50.7532% | 3,835 |
| Net loans and leases to core deposits | 53.7945% | 3,766 |
| Total domestic deposits to total assets | 89.9149% | 995 |
| Equity capital to assets | 9.1111% | 3,502 |
| Core capital (leverage) ratio | 9.2483% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,883,400 | 2,853 |
| Average earning assets | $209,929,600 | 2,873 |
| Average equity | $21,642,400 | 3,085 |
| Average total loans | $117,309,400 | 2,973 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6220% | 547 |
| Cost of funding earning assets | 0.4982% | 1,053 |
| Net interest margin | 4.1238% | 625 |
| Noninterest income to average assets | 1.7976% | 396 |
| Noninterest expense to average assets | 2.6520% | 1,702 |
| Loan and lease loss provision to assets | 0.2281% | 423 |
| Net operating income to assets | 2.7107% | 168 |
| Return on assets (ROA) | 2.8316% | 145 |
| Pretax return on assets | 2.8316% | 220 |
| Return on Equity (ROE) | 29.6520% | 98 |
| Retained earnings to average equity (ytd only) | 14.8012% | 425 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4337% | 4,412 |
| Assets per employee ($millions) | 5.2442% | 3,458 |
| Cash dividends to net income (ytd only)* | 50.0838% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2575% | 416 |
| Loan loss allowance to noncurrent loans | 651.6456% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,004 |
| Noncurrent loans to loans | 0.3464% | 2,538 |
| Net loans and leases to total assets | 47.2257% | 3,690 |
| Net loans and leases to deposits | 53.0614% | 3,807 |
| Net loans and leases to core deposits | 56.4857% | 3,738 |
| Total domestic deposits to total assets | 89.0021% | 1,272 |
| Equity capital to assets | 9.8991% | 3,000 |
| Core capital (leverage) ratio | 9.3886% | 3,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,885,000 | 2,910 |
| Average earning assets | $206,860,500 | 2,929 |
| Average equity | $21,475,250 | 3,130 |
| Average total loans | $118,057,750 | 3,009 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 720 |
| Cost of funding earning assets | 0.5141% | 1,125 |
| Net interest margin | 3.9877% | 845 |
| Noninterest income to average assets | 0.6022% | 2,209 |
| Noninterest expense to average assets | 2.5653% | 1,942 |
| Loan and lease loss provision to assets | 0.2306% | 452 |
| Net operating income to assets | 1.4676% | 1,382 |
| Return on assets (ROA) | 1.6520% | 1,003 |
| Pretax return on assets | 1.6520% | 1,610 |
| Return on Equity (ROE) | 17.5280% | 713 |
| Retained earnings to average equity (ytd only) | 4.9696% | 3,195 |
| Net charge-offs to loans | 0.0033% | 2,051 |
| Credit loss provision to net charge-offs | 12,750.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 939.0000% | 139 |
| Efficiency ratio | 60.1697% | 2,999 |
| Assets per employee ($millions) | 5.3234% | 3,326 |
| Cash dividends to net income (ytd only)* | 71.6475% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 503 |
| Loan loss allowance to noncurrent loans | 4,210.3448% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,094 |
| Noncurrent loans to loans | 0.0499% | 3,928 |
| Net loans and leases to total assets | 49.7069% | 3,582 |
| Net loans and leases to deposits | 55.5042% | 3,755 |
| Net loans and leases to core deposits | 58.9632% | 3,687 |
| Total domestic deposits to total assets | 89.5552% | 999 |
| Equity capital to assets | 9.1858% | 3,616 |
| Core capital (leverage) ratio | 8.9084% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,183,333 | 2,934 |
| Average earning assets | $203,073,000 | 2,957 |
| Average equity | $20,846,667 | 3,173 |
| Average total loans | $119,403,000 | 3,013 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 760 |
| Cost of funding earning assets | 0.5135% | 1,312 |
| Net interest margin | 4.0004% | 841 |
| Noninterest income to average assets | 0.5283% | 2,489 |
| Noninterest expense to average assets | 2.5143% | 2,144 |
| Loan and lease loss provision to assets | 0.2338% | 477 |
| Net operating income to assets | 1.4651% | 1,406 |
| Return on assets (ROA) | 1.8406% | 786 |
| Pretax return on assets | 1.8406% | 1,217 |
| Return on Equity (ROE) | 19.2711% | 592 |
| Retained earnings to average equity (ytd only) | 7.9011% | 2,275 |
| Net charge-offs to loans | -0.0132% | 3,796 |
| Credit loss provision to net charge-offs | -3,175.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6767% | 3,068 |
| Assets per employee ($millions) | 5.4049% | 3,219 |
| Cash dividends to net income (ytd only)* | 59.0000% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 690 |
| Loan loss allowance to noncurrent loans | 1,756.8182% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 3,316 |
| Noncurrent loans to loans | 0.1103% | 3,757 |
| Net loans and leases to total assets | 52.9799% | 3,353 |
| Net loans and leases to deposits | 58.9632% | 3,565 |
| Net loans and leases to core deposits | 62.3388% | 3,555 |
| Total domestic deposits to total assets | 89.8525% | 892 |
| Equity capital to assets | 9.1083% | 3,582 |
| Core capital (leverage) ratio | 9.1992% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,321,000 | 2,950 |
| Average earning assets | $200,179,000 | 2,967 |
| Average equity | $20,756,500 | 3,174 |
| Average total loans | $120,992,000 | 3,005 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 639 |
| Cost of funding earning assets | 0.6953% | 1,734 |
| Net interest margin | 4.1731% | 685 |
| Noninterest income to average assets | 0.6964% | 1,874 |
| Noninterest expense to average assets | 2.7559% | 2,050 |
| Loan and lease loss provision to assets | 0.2613% | 1,481 |
| Net operating income to assets | 1.5141% | 782 |
| Return on assets (ROA) | 1.4670% | 963 |
| Pretax return on assets | 1.4670% | 1,449 |
| Return on Equity (ROE) | 15.2161% | 601 |
| Retained earnings to average equity (ytd only) | 4.6511% | 2,450 |
| Net charge-offs to loans | 0.0915% | 1,540 |
| Credit loss provision to net charge-offs | 471.4286% | 1,306 |
| Earnings coverage of net charge-offs (x) | 32.0268% | 1,552 |
| Efficiency ratio | 60.8192% | 3,347 |
| Assets per employee ($millions) | 5.3260% | 3,021 |
| Cash dividends to net income (ytd only)* | 69.4332% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 875 |
| Loan loss allowance to noncurrent loans | 1,116.8367% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 3,050 |
| Noncurrent loans to loans | 0.1603% | 3,637 |
| Net loans and leases to total assets | 56.3610% | 3,263 |
| Net loans and leases to deposits | 63.4536% | 3,480 |
| Net loans and leases to core deposits | 67.2800% | 3,456 |
| Total domestic deposits to total assets | 88.8223% | 1,061 |
| Equity capital to assets | 10.0117% | 3,128 |
| Core capital (leverage) ratio | 9.2636% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,038,200 | 2,924 |
| Average earning assets | $185,666,000 | 2,946 |
| Average equity | $19,479,400 | 3,234 |
| Average total loans | $122,451,200 | 2,954 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 807 |
| Cost of funding earning assets | 0.7406% | 1,798 |
| Net interest margin | 4.1082% | 886 |
| Noninterest income to average assets | 0.7286% | 1,710 |
| Noninterest expense to average assets | 2.6494% | 2,387 |
| Loan and lease loss provision to assets | 0.2670% | 1,524 |
| Net operating income to assets | 1.6017% | 723 |
| Return on assets (ROA) | 1.6639% | 698 |
| Pretax return on assets | 1.6639% | 1,039 |
| Return on Equity (ROE) | 17.4366% | 409 |
| Retained earnings to average equity (ytd only) | 5.6580% | 2,258 |
| Net charge-offs to loans | 0.0555% | 1,813 |
| Credit loss provision to net charge-offs | 782.3529% | 996 |
| Earnings coverage of net charge-offs (x) | 54.7647% | 1,147 |
| Efficiency ratio | 58.6406% | 3,579 |
| Assets per employee ($millions) | 5.2180% | 2,999 |
| Cash dividends to net income (ytd only)* | 67.5513% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 929 |
| Loan loss allowance to noncurrent loans | 1,191.0112% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 2,428 |
| Noncurrent loans to loans | 0.1408% | 3,819 |
| Net loans and leases to total assets | 59.5744% | 3,270 |
| Net loans and leases to deposits | 67.5249% | 3,510 |
| Net loans and leases to core deposits | 71.8389% | 3,484 |
| Total domestic deposits to total assets | 88.2258% | 1,102 |
| Equity capital to assets | 9.7696% | 3,460 |
| Core capital (leverage) ratio | 8.9358% | 3,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,287,500 | 2,926 |
| Average earning assets | $183,821,750 | 2,943 |
| Average equity | $19,017,000 | 3,275 |
| Average total loans | $122,498,750 | 2,965 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 1,002 |
| Cost of funding earning assets | 0.7925% | 1,863 |
| Net interest margin | 4.0924% | 1,128 |
| Noninterest income to average assets | 0.7811% | 1,486 |
| Noninterest expense to average assets | 2.6878% | 2,421 |
| Loan and lease loss provision to assets | 0.2743% | 1,562 |
| Net operating income to assets | 1.5784% | 792 |
| Return on assets (ROA) | 1.5733% | 872 |
| Pretax return on assets | 1.5733% | 1,285 |
| Return on Equity (ROE) | 16.6281% | 482 |
| Retained earnings to average equity (ytd only) | 4.6123% | 2,656 |
| Net charge-offs to loans | 0.0627% | 1,616 |
| Credit loss provision to net charge-offs | 707.8947% | 997 |
| Earnings coverage of net charge-offs (x) | 47.8158% | 1,137 |
| Efficiency ratio | 59.1960% | 3,532 |
| Assets per employee ($millions) | 5.1480% | 2,999 |
| Cash dividends to net income (ytd only)* | 72.2618% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 990 |
| Loan loss allowance to noncurrent loans | 160.4000% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8765% | 1,405 |
| Noncurrent loans to loans | 1.0023% | 1,549 |
| Net loans and leases to total assets | 58.1364% | 3,499 |
| Net loans and leases to deposits | 65.9830% | 3,724 |
| Net loans and leases to core deposits | 70.2525% | 3,688 |
| Total domestic deposits to total assets | 88.1082% | 1,122 |
| Equity capital to assets | 9.4334% | 3,719 |
| Core capital (leverage) ratio | 8.9219% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,143,667 | 2,934 |
| Average earning assets | $180,188,333 | 2,958 |
| Average equity | $18,559,000 | 3,319 |
| Average total loans | $121,177,333 | 2,967 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 1,092 |
| Cost of funding earning assets | 0.8807% | 1,966 |
| Net interest margin | 4.0581% | 1,227 |
| Noninterest income to average assets | 1.1448% | 668 |
| Noninterest expense to average assets | 2.8047% | 2,416 |
| Loan and lease loss provision to assets | 0.2989% | 1,038 |
| Net operating income to assets | 1.7532% | 452 |
| Return on assets (ROA) | 1.7956% | 462 |
| Pretax return on assets | 1.7956% | 709 |
| Return on Equity (ROE) | 18.9454% | 213 |
| Retained earnings to average equity (ytd only) | 8.8799% | 1,006 |
| Net charge-offs to loans | -0.0033% | 3,747 |
| Credit loss provision to net charge-offs | -14,100.0000% | 4,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7477% | 4,034 |
| Assets per employee ($millions) | 4.8396% | 2,827 |
| Cash dividends to net income (ytd only)* | 53.1287% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,037 |
| Loan loss allowance to noncurrent loans | 135.6232% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 1,309 |
| Noncurrent loans to loans | 1.1891% | 1,375 |
| Net loans and leases to total assets | 58.8816% | 3,605 |
| Net loans and leases to deposits | 65.2704% | 3,908 |
| Net loans and leases to core deposits | 69.5366% | 3,906 |
| Total domestic deposits to total assets | 90.2118% | 267 |
| Equity capital to assets | 8.6603% | 4,767 |
| Core capital (leverage) ratio | 9.7631% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,681,000 | 2,967 |
| Average earning assets | $172,595,000 | 2,986 |
| Average equity | $17,883,000 | 3,380 |
| Average total loans | $119,409,500 | 2,963 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 872 |
| Cost of funding earning assets | 0.8467% | 2,444 |
| Net interest margin | 4.4248% | 848 |
| Noninterest income to average assets | 0.8359% | 1,342 |
| Noninterest expense to average assets | 2.9724% | 2,087 |
| Loan and lease loss provision to assets | 0.3555% | 425 |
| Net operating income to assets | 1.5588% | 920 |
| Return on assets (ROA) | 1.4536% | 1,234 |
| Pretax return on assets | 1.4536% | 1,964 |
| Return on Equity (ROE) | 14.6522% | 760 |
| Retained earnings to average equity (ytd only) | 3.9069% | 3,014 |
| Net charge-offs to loans | 0.2702% | 771 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 10.7690% | 2,547 |
| Efficiency ratio | 60.8265% | 3,562 |
| Assets per employee ($millions) | 4.2605% | 3,567 |
| Cash dividends to net income (ytd only)* | 73.3359% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,289 |
| Loan loss allowance to noncurrent loans | 100.5672% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.3144% | 834 |
| Noncurrent loans to loans | 1.4683% | 990 |
| Net loans and leases to total assets | 66.1099% | 2,936 |
| Net loans and leases to deposits | 74.8597% | 3,273 |
| Net loans and leases to core deposits | 80.1009% | 3,287 |
| Total domestic deposits to total assets | 88.3117% | 975 |
| Equity capital to assets | 10.3845% | 3,558 |
| Core capital (leverage) ratio | 10.1934% | 3,304 |
| Tier 1 risk-based capital ratio | 15.0936% | 2,746 |
| Total risk-based capital ratio | 16.3465% | 2,673 |
| Memoranda: | ||
| Average total assets | $177,769,000 | 3,044 |
| Average earning assets | $162,740,800 | 3,058 |
| Average equity | $17,635,600 | 3,373 |
| Average total loans | $116,936,600 | 2,979 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 981 |
| Cost of funding earning assets | 0.8335% | 2,544 |
| Net interest margin | 4.3950% | 958 |
| Noninterest income to average assets | 0.8647% | 1,227 |
| Noninterest expense to average assets | 2.8871% | 2,300 |
| Loan and lease loss provision to assets | 0.3501% | 390 |
| Net operating income to assets | 1.6603% | 810 |
| Return on assets (ROA) | 1.5566% | 1,094 |
| Pretax return on assets | 1.5566% | 1,791 |
| Return on Equity (ROE) | 15.8779% | 629 |
| Retained earnings to average equity (ytd only) | 2.9273% | 3,922 |
| Net charge-offs to loans | 0.3639% | 465 |
| Credit loss provision to net charge-offs | 147.0032% | 1,665 |
| Earnings coverage of net charge-offs (x) | 8.4416% | 2,655 |
| Efficiency ratio | 58.9508% | 3,808 |
| Assets per employee ($millions) | 4.1788% | 3,650 |
| Cash dividends to net income (ytd only)* | 81.5637% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,686 |
| Loan loss allowance to noncurrent loans | 107.2861% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 1,066 |
| Noncurrent loans to loans | 1.2774% | 1,221 |
| Net loans and leases to total assets | 65.8139% | 3,072 |
| Net loans and leases to deposits | 74.6256% | 3,423 |
| Net loans and leases to core deposits | 79.9975% | 3,390 |
| Total domestic deposits to total assets | 88.1921% | 955 |
| Equity capital to assets | 10.3590% | 3,670 |
| Core capital (leverage) ratio | 9.9780% | 3,661 |
| Tier 1 risk-based capital ratio | 14.9209% | 2,890 |
| Total risk-based capital ratio | 16.1716% | 2,818 |
| Memoranda: | ||
| Average total assets | $177,476,250 | 3,071 |
| Average earning assets | $162,846,750 | 3,088 |
| Average equity | $17,399,000 | 3,423 |
| Average total loans | $116,153,250 | 3,015 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1825% | 1,014 |
| Cost of funding earning assets | 0.8270% | 2,512 |
| Net interest margin | 4.3554% | 1,026 |
| Noninterest income to average assets | 0.9689% | 926 |
| Noninterest expense to average assets | 2.8642% | 2,374 |
| Loan and lease loss provision to assets | 0.3582% | 358 |
| Net operating income to assets | 1.7437% | 667 |
| Return on assets (ROA) | 1.6426% | 864 |
| Pretax return on assets | 1.6426% | 1,423 |
| Return on Equity (ROE) | 17.0728% | 458 |
| Retained earnings to average equity (ytd only) | 1.5521% | 4,272 |
| Net charge-offs to loans | 0.4955% | 315 |
| Credit loss provision to net charge-offs | 111.1498% | 1,835 |
| Earnings coverage of net charge-offs (x) | 6.5226% | 2,560 |
| Efficiency ratio | 57.6758% | 4,050 |
| Assets per employee ($millions) | 4.3230% | 3,405 |
| Cash dividends to net income (ytd only)* | 90.9091% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,183 |
| Loan loss allowance to noncurrent loans | 352.8436% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 2,261 |
| Noncurrent loans to loans | 0.3575% | 3,259 |
| Net loans and leases to total assets | 65.7579% | 3,140 |
| Net loans and leases to deposits | 75.1880% | 3,406 |
| Net loans and leases to core deposits | 80.9923% | 3,342 |
| Total domestic deposits to total assets | 87.4580% | 1,360 |
| Equity capital to assets | 10.0635% | 3,926 |
| Core capital (leverage) ratio | 9.8186% | 3,804 |
| Tier 1 risk-based capital ratio | 14.5617% | 3,036 |
| Total risk-based capital ratio | 15.8092% | 2,960 |
| Memoranda: | ||
| Average total assets | $178,131,670 | 3,077 |
| Average earning assets | $163,474,670 | 3,094 |
| Average equity | $17,138,330 | 3,451 |
| Average total loans | $115,832,670 | 3,032 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 1,056 |
| Cost of funding earning assets | 0.8140% | 2,455 |
| Net interest margin | 4.3072% | 1,079 |
| Noninterest income to average assets | 1.2320% | 538 |
| Noninterest expense to average assets | 2.8022% | 2,562 |
| Loan and lease loss provision to assets | 0.4681% | 232 |
| Net operating income to assets | 1.9084% | 455 |
| Return on assets (ROA) | 1.8099% | 584 |
| Pretax return on assets | 1.8099% | 963 |
| Return on Equity (ROE) | 19.2507% | 310 |
| Retained earnings to average equity (ytd only) | 6.9808% | 2,053 |
| Net charge-offs to loans | -0.0384% | 4,747 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1090% | 4,526 |
| Assets per employee ($millions) | 4.3641% | 3,389 |
| Cash dividends to net income (ytd only)* | 63.7376% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 1,532 |
| Loan loss allowance to noncurrent loans | 255.0989% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,372 |
| Noncurrent loans to loans | 0.5654% | 2,629 |
| Net loans and leases to total assets | 64.0019% | 3,284 |
| Net loans and leases to deposits | 74.3619% | 3,422 |
| Net loans and leases to core deposits | 80.8087% | 3,292 |
| Total domestic deposits to total assets | 86.0682% | 2,252 |
| Equity capital to assets | 9.6547% | 4,127 |
| Core capital (leverage) ratio | 9.8852% | 3,727 |
| Tier 1 risk-based capital ratio | 14.6550% | 3,030 |
| Total risk-based capital ratio | 15.9065% | 2,955 |
| Memoranda: | ||
| Average total assets | $178,575,500 | 3,101 |
| Average earning assets | $163,632,500 | 3,131 |
| Average equity | $16,789,000 | 3,497 |
| Average total loans | $114,728,500 | 3,086 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 1,222 |
| Cost of funding earning assets | 0.6666% | 2,291 |
| Net interest margin | 4.2569% | 1,256 |
| Noninterest income to average assets | 0.7456% | 1,667 |
| Noninterest expense to average assets | 2.9061% | 2,331 |
| Loan and lease loss provision to assets | 0.2148% | 850 |
| Net operating income to assets | 1.5468% | 1,000 |
| Return on assets (ROA) | 1.6458% | 778 |
| Pretax return on assets | 1.6458% | 1,323 |
| Return on Equity (ROE) | 18.3873% | 356 |
| Retained earnings to average equity (ytd only) | 7.9745% | 1,247 |
| Net charge-offs to loans | 0.2974% | 652 |
| Credit loss provision to net charge-offs | 117.0347% | 2,216 |
| Earnings coverage of net charge-offs (x) | 9.5994% | 2,796 |
| Efficiency ratio | 62.2597% | 3,476 |
| Assets per employee ($millions) | 4.4556% | 3,234 |
| Cash dividends to net income (ytd only)* | 56.6303% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,113 |
| Loan loss allowance to noncurrent loans | 338.0510% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 2,520 |
| Noncurrent loans to loans | 0.3805% | 3,167 |
| Net loans and leases to total assets | 62.7341% | 3,490 |
| Net loans and leases to deposits | 72.1860% | 3,658 |
| Net loans and leases to core deposits | 78.2232% | 3,561 |
| Total domestic deposits to total assets | 86.9062% | 1,820 |
| Equity capital to assets | 9.1476% | 4,451 |
| Core capital (leverage) ratio | 9.7383% | 3,870 |
| Tier 1 risk-based capital ratio | 14.5852% | 3,028 |
| Total risk-based capital ratio | 15.8203% | 2,949 |
| Memoranda: | ||
| Average total assets | $172,741,600 | 3,142 |
| Average earning assets | $159,154,600 | 3,151 |
| Average equity | $15,461,800 | 3,578 |
| Average total loans | $106,580,200 | 3,193 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 1,348 |
| Cost of funding earning assets | 0.6234% | 2,314 |
| Net interest margin | 4.2053% | 1,347 |
| Noninterest income to average assets | 0.7695% | 1,582 |
| Noninterest expense to average assets | 2.8156% | 2,585 |
| Loan and lease loss provision to assets | 0.2023% | 857 |
| Net operating income to assets | 1.6354% | 879 |
| Return on assets (ROA) | 1.5747% | 1,014 |
| Pretax return on assets | 1.5747% | 1,654 |
| Return on Equity (ROE) | 17.6940% | 461 |
| Retained earnings to average equity (ytd only) | 3.6193% | 3,958 |
| Net charge-offs to loans | 0.1449% | 1,133 |
| Credit loss provision to net charge-offs | 228.0702% | 1,258 |
| Earnings coverage of net charge-offs (x) | 20.7188% | 1,950 |
| Efficiency ratio | 60.5083% | 3,740 |
| Assets per employee ($millions) | 4.4120% | 3,256 |
| Cash dividends to net income (ytd only)* | 79.5453% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,747 |
| Loan loss allowance to noncurrent loans | 476.6154% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 1,173 |
| Noncurrent loans to loans | 0.2914% | 3,640 |
| Net loans and leases to total assets | 62.3266% | 3,622 |
| Net loans and leases to deposits | 72.5119% | 3,728 |
| Net loans and leases to core deposits | 79.1569% | 3,560 |
| Total domestic deposits to total assets | 85.9536% | 2,222 |
| Equity capital to assets | 8.5330% | 4,905 |
| Core capital (leverage) ratio | 9.0923% | 4,617 |
| Tier 1 risk-based capital ratio | 12.5598% | 4,179 |
| Total risk-based capital ratio | 13.7868% | 4,075 |
| Memoranda: | ||
| Average total assets | $171,371,500 | 3,181 |
| Average earning assets | $158,271,500 | 3,184 |
| Average equity | $15,251,500 | 3,630 |
| Average total loans | $104,909,500 | 3,244 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 1,387 |
| Cost of funding earning assets | 0.6008% | 2,219 |
| Net interest margin | 4.1479% | 1,418 |
| Noninterest income to average assets | 0.8275% | 1,396 |
| Noninterest expense to average assets | 2.8137% | 2,624 |
| Loan and lease loss provision to assets | 0.1969% | 874 |
| Net operating income to assets | 1.6503% | 803 |
| Return on assets (ROA) | 1.5866% | 951 |
| Pretax return on assets | 1.5866% | 1,542 |
| Return on Equity (ROE) | 17.5768% | 468 |
| Retained earnings to average equity (ytd only) | 3.2124% | 3,963 |
| Net charge-offs to loans | 0.2123% | 746 |
| Credit loss provision to net charge-offs | 153.2110% | 1,562 |
| Earnings coverage of net charge-offs (x) | 14.3761% | 2,105 |
| Efficiency ratio | 60.3692% | 3,888 |
| Assets per employee ($millions) | 4.5262% | 3,093 |
| Cash dividends to net income (ytd only)* | 81.7236% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,787 |
| Loan loss allowance to noncurrent loans | 441.0876% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2442% | 1,142 |
| Noncurrent loans to loans | 0.3150% | 3,579 |
| Net loans and leases to total assets | 60.2429% | 3,781 |
| Net loans and leases to deposits | 68.2983% | 3,999 |
| Net loans and leases to core deposits | 75.2465% | 3,797 |
| Total domestic deposits to total assets | 88.2056% | 1,270 |
| Equity capital to assets | 8.7949% | 4,726 |
| Core capital (leverage) ratio | 9.1707% | 4,496 |
| Tier 1 risk-based capital ratio | 12.8041% | 4,007 |
| Total risk-based capital ratio | 13.9999% | 3,943 |
| Memoranda: | ||
| Average total assets | $169,668,670 | 3,220 |
| Average earning assets | $156,801,330 | 3,213 |
| Average equity | $15,315,670 | 3,642 |
| Average total loans | $102,698,330 | 3,293 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 1,362 |
| Cost of funding earning assets | 0.5762% | 2,197 |
| Net interest margin | 4.1003% | 1,439 |
| Noninterest income to average assets | 0.6765% | 1,926 |
| Noninterest expense to average assets | 2.7726% | 2,795 |
| Loan and lease loss provision to assets | 0.1970% | 847 |
| Net operating income to assets | 1.4908% | 1,106 |
| Return on assets (ROA) | 1.4172% | 1,307 |
| Pretax return on assets | 1.4172% | 1,952 |
| Return on Equity (ROE) | 15.4964% | 706 |
| Retained earnings to average equity (ytd only) | 5.1136% | 3,117 |
| Net charge-offs to loans | 0.3743% | 419 |
| Credit loss provision to net charge-offs | 87.3684% | 1,684 |
| Earnings coverage of net charge-offs (x) | 7.4842% | 2,086 |
| Efficiency ratio | 62.1607% | 3,751 |
| Assets per employee ($millions) | 4.7363% | 2,809 |
| Cash dividends to net income (ytd only)* | 67.0017% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 1,960 |
| Loan loss allowance to noncurrent loans | 409.1176% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2668% | 1,174 |
| Noncurrent loans to loans | 0.3345% | 3,572 |
| Net loans and leases to total assets | 58.7999% | 3,873 |
| Net loans and leases to deposits | 65.4874% | 4,126 |
| Net loans and leases to core deposits | 71.9072% | 3,969 |
| Total domestic deposits to total assets | 89.7881% | 747 |
| Equity capital to assets | 8.8876% | 4,673 |
| Core capital (leverage) ratio | 9.2131% | 4,416 |
| Tier 1 risk-based capital ratio | 13.1281% | 3,888 |
| Total risk-based capital ratio | 14.3057% | 3,830 |
| Memoranda: | ||
| Average total assets | $168,504,500 | 3,264 |
| Average earning assets | $155,500,500 | 3,258 |
| Average equity | $15,410,000 | 3,657 |
| Average total loans | $101,509,500 | 3,333 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 990 |
| Cost of funding earning assets | 0.5695% | 1,831 |
| Net interest margin | 4.2231% | 1,140 |
| Noninterest income to average assets | 0.7780% | 1,650 |
| Noninterest expense to average assets | 2.8907% | 2,485 |
| Loan and lease loss provision to assets | 0.2053% | 1,000 |
| Net operating income to assets | 1.5566% | 710 |
| Return on assets (ROA) | 1.4991% | 823 |
| Pretax return on assets | 1.4991% | 1,646 |
| Return on Equity (ROE) | 16.1758% | 461 |
| Retained earnings to average equity (ytd only) | 6.5481% | 1,258 |
| Net charge-offs to loans | 0.2706% | 963 |
| Credit loss provision to net charge-offs | 129.2308% | 2,032 |
| Earnings coverage of net charge-offs (x) | 11.0885% | 2,604 |
| Efficiency ratio | 62.1306% | 3,917 |
| Assets per employee ($millions) | 4.5001% | 3,182 |
| Cash dividends to net income (ytd only)* | 59.5190% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,826 |
| Loan loss allowance to noncurrent loans | 455.5195% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 1.2895% | 1,127 |
| Noncurrent loans to loans | 0.3038% | 3,693 |
| Net loans and leases to total assets | 60.0395% | 3,828 |
| Net loans and leases to deposits | 67.3324% | 4,073 |
| Net loans and leases to core deposits | 74.5438% | 3,842 |
| Total domestic deposits to total assets | 89.1689% | 919 |
| Equity capital to assets | 9.4089% | 4,316 |
| Core capital (leverage) ratio | 9.1633% | 4,445 |
| Tier 1 risk-based capital ratio | 12.4335% | 4,244 |
| Total risk-based capital ratio | 13.5755% | 4,224 |
| Memoranda: | ||
| Average total assets | $163,628,000 | 3,302 |
| Average earning assets | $150,127,600 | 3,322 |
| Average equity | $15,164,600 | 3,703 |
| Average total loans | $96,068,600 | 3,415 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 995 |
| Cost of funding earning assets | 0.5608% | 1,806 |
| Net interest margin | 4.2041% | 1,147 |
| Noninterest income to average assets | 0.7718% | 1,696 |
| Noninterest expense to average assets | 2.8129% | 2,685 |
| Loan and lease loss provision to assets | 0.2054% | 917 |
| Net operating income to assets | 1.6066% | 706 |
| Return on assets (ROA) | 1.6025% | 731 |
| Pretax return on assets | 1.6025% | 1,411 |
| Return on Equity (ROE) | 17.3586% | 388 |
| Retained earnings to average equity (ytd only) | 4.4150% | 3,270 |
| Net charge-offs to loans | 0.3617% | 581 |
| Credit loss provision to net charge-offs | 97.6654% | 2,348 |
| Earnings coverage of net charge-offs (x) | 8.6147% | 2,760 |
| Efficiency ratio | 60.8211% | 4,071 |
| Assets per employee ($millions) | 4.4725% | 3,193 |
| Cash dividends to net income (ytd only)* | 74.5660% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,264 |
| Loan loss allowance to noncurrent loans | 280.4671% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 1.4618% | 1,047 |
| Noncurrent loans to loans | 0.4706% | 3,283 |
| Net loans and leases to total assets | 59.6818% | 3,903 |
| Net loans and leases to deposits | 68.1907% | 4,098 |
| Net loans and leases to core deposits | 75.7761% | 3,818 |
| Total domestic deposits to total assets | 87.5218% | 1,618 |
| Equity capital to assets | 9.5618% | 4,388 |
| Core capital (leverage) ratio | 9.0226% | 4,714 |
| Tier 1 risk-based capital ratio | 12.6743% | 4,224 |
| Total risk-based capital ratio | 13.7991% | 4,196 |
| Memoranda: | ||
| Average total assets | $162,909,500 | 3,345 |
| Average earning assets | $149,311,000 | 3,359 |
| Average equity | $15,039,250 | 3,750 |
| Average total loans | $94,743,250 | 3,467 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 968 |
| Cost of funding earning assets | 0.5461% | 1,803 |
| Net interest margin | 4.2023% | 1,072 |
| Noninterest income to average assets | 0.5924% | 2,497 |
| Noninterest expense to average assets | 2.8040% | 2,744 |
| Loan and lease loss provision to assets | 0.2061% | 877 |
| Net operating income to assets | 1.4193% | 1,022 |
| Return on assets (ROA) | 1.4131% | 1,056 |
| Pretax return on assets | 1.4131% | 1,960 |
| Return on Equity (ROE) | 15.4960% | 597 |
| Retained earnings to average equity (ytd only) | 4.2631% | 3,172 |
| Net charge-offs to loans | 0.0861% | 1,751 |
| Credit loss provision to net charge-offs | 417.5000% | 761 |
| Earnings coverage of net charge-offs (x) | 32.9250% | 1,401 |
| Efficiency ratio | 63.3045% | 3,788 |
| Assets per employee ($millions) | 4.4623% | 3,174 |
| Cash dividends to net income (ytd only)* | 72.4891% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 1,539 |
| Loan loss allowance to noncurrent loans | 422.6744% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 1,123 |
| Noncurrent loans to loans | 0.3575% | 3,747 |
| Net loans and leases to total assets | 57.3940% | 4,087 |
| Net loans and leases to deposits | 64.4002% | 4,346 |
| Net loans and leases to core deposits | 69.5708% | 4,254 |
| Total domestic deposits to total assets | 89.1209% | 903 |
| Equity capital to assets | 9.3788% | 4,540 |
| Core capital (leverage) ratio | 9.0350% | 4,686 |
| Tier 1 risk-based capital ratio | 13.2479% | 3,841 |
| Total risk-based capital ratio | 14.5069% | 3,749 |
| Memoranda: | ||
| Average total assets | $162,052,330 | 3,372 |
| Average earning assets | $147,968,000 | 3,398 |
| Average equity | $14,778,000 | 3,788 |
| Average total loans | $92,963,330 | 3,514 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 909 |
| Cost of funding earning assets | 0.5398% | 1,786 |
| Net interest margin | 4.1786% | 1,034 |
| Noninterest income to average assets | 0.6553% | 2,151 |
| Noninterest expense to average assets | 2.8257% | 2,703 |
| Loan and lease loss provision to assets | 0.2068% | 791 |
| Net operating income to assets | 1.4228% | 955 |
| Return on assets (ROA) | 1.4129% | 1,005 |
| Pretax return on assets | 1.4129% | 1,843 |
| Return on Equity (ROE) | 15.7232% | 564 |
| Retained earnings to average equity (ytd only) | 6.0175% | 2,322 |
| Net charge-offs to loans | 0.0920% | 1,433 |
| Credit loss provision to net charge-offs | 395.2381% | 657 |
| Earnings coverage of net charge-offs (x) | 31.1429% | 1,197 |
| Efficiency ratio | 63.4228% | 3,927 |
| Assets per employee ($millions) | 4.5251% | 3,124 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,706 |
| Loan loss allowance to noncurrent loans | 95.3984% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 2.1233% | 600 |
| Noncurrent loans to loans | 1.5686% | 1,251 |
| Net loans and leases to total assets | 56.1247% | 4,157 |
| Net loans and leases to deposits | 62.6482% | 4,394 |
| Net loans and leases to core deposits | 67.4566% | 4,328 |
| Total domestic deposits to total assets | 89.5872% | 855 |
| Equity capital to assets | 8.9917% | 4,807 |
| Core capital (leverage) ratio | 9.1073% | 4,609 |
| Tier 1 risk-based capital ratio | 13.5546% | 3,748 |
| Total risk-based capital ratio | 14.8136% | 3,649 |
| Memoranda: | ||
| Average total assets | $160,525,500 | 3,418 |
| Average earning assets | $145,980,500 | 3,449 |
| Average equity | $14,424,500 | 3,859 |
| Average total loans | $91,337,500 | 3,566 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,057 |
| Cost of funding earning assets | 0.5503% | 1,687 |
| Net interest margin | 4.1515% | 1,234 |
| Noninterest income to average assets | 0.6436% | 2,450 |
| Noninterest expense to average assets | 2.8986% | 2,678 |
| Loan and lease loss provision to assets | 0.2017% | 1,140 |
| Net operating income to assets | 1.3212% | 1,167 |
| Return on assets (ROA) | 1.3776% | 1,101 |
| Pretax return on assets | 1.3776% | 2,022 |
| Return on Equity (ROE) | 14.6982% | 671 |
| Retained earnings to average equity (ytd only) | 7.7284% | 949 |
| Net charge-offs to loans | 0.1674% | 1,616 |
| Credit loss provision to net charge-offs | 211.4094% | 1,347 |
| Earnings coverage of net charge-offs (x) | 15.9597% | 2,154 |
| Efficiency ratio | 65.5562% | 3,670 |
| Assets per employee ($millions) | 4.3929% | 3,288 |
| Cash dividends to net income (ytd only)* | 47.4198% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 1,767 |
| Loan loss allowance to noncurrent loans | 84.2005% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.2833% | 550 |
| Noncurrent loans to loans | 1.7539% | 1,092 |
| Net loans and leases to total assets | 55.9793% | 4,266 |
| Net loans and leases to deposits | 62.5846% | 4,503 |
| Net loans and leases to core deposits | 67.6155% | 4,424 |
| Total domestic deposits to total assets | 89.4458% | 882 |
| Equity capital to assets | 8.9797% | 4,840 |
| Core capital (leverage) ratio | 9.0695% | 4,658 |
| Tier 1 risk-based capital ratio | 13.7470% | 3,614 |
| Total risk-based capital ratio | 15.0043% | 3,511 |
| Memoranda: | ||
| Average total assets | $156,142,600 | 3,435 |
| Average earning assets | $142,094,400 | 3,476 |
| Average equity | $14,634,400 | 3,856 |
| Average total loans | $88,996,400 | 3,594 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 1,085 |
| Cost of funding earning assets | 0.5405% | 1,788 |
| Net interest margin | 4.1512% | 1,250 |
| Noninterest income to average assets | 0.6382% | 2,487 |
| Noninterest expense to average assets | 2.9040% | 2,635 |
| Loan and lease loss provision to assets | 0.1962% | 1,089 |
| Net operating income to assets | 1.3278% | 1,219 |
| Return on assets (ROA) | 1.3526% | 1,238 |
| Pretax return on assets | 1.3526% | 2,226 |
| Return on Equity (ROE) | 14.2801% | 771 |
| Retained earnings to average equity (ytd only) | 5.0554% | 2,788 |
| Net charge-offs to loans | 0.1952% | 1,200 |
| Credit loss provision to net charge-offs | 176.1538% | 1,585 |
| Earnings coverage of net charge-offs (x) | 13.6845% | 2,292 |
| Efficiency ratio | 65.5833% | 3,663 |
| Assets per employee ($millions) | 4.4100% | 3,229 |
| Cash dividends to net income (ytd only)* | 64.5981% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 2,288 |
| Loan loss allowance to noncurrent loans | 586.0465% | 926 |
| Noncurrent assets plus other real estate owned to assets | 1.4261% | 1,293 |
| Noncurrent loans to loans | 0.2356% | 4,429 |
| Net loans and leases to total assets | 56.6931% | 4,230 |
| Net loans and leases to deposits | 63.8155% | 4,502 |
| Net loans and leases to core deposits | 69.1928% | 4,384 |
| Total domestic deposits to total assets | 88.8391% | 992 |
| Equity capital to assets | 9.5282% | 4,629 |
| Core capital (leverage) ratio | 8.8026% | 5,050 |
| Tier 1 risk-based capital ratio | 13.3904% | 3,924 |
| Total risk-based capital ratio | 14.6055% | 3,861 |
| Memoranda: | ||
| Average total assets | $155,641,750 | 3,457 |
| Average earning assets | $142,091,750 | 3,492 |
| Average equity | $14,742,750 | 3,873 |
| Average total loans | $88,781,500 | 3,622 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,121 |
| Cost of funding earning assets | 0.5402% | 1,778 |
| Net interest margin | 4.1274% | 1,303 |
| Noninterest income to average assets | 0.6585% | 2,335 |
| Noninterest expense to average assets | 2.8667% | 2,784 |
| Loan and lease loss provision to assets | 0.1863% | 1,168 |
| Net operating income to assets | 1.3713% | 1,113 |
| Return on assets (ROA) | 1.3777% | 1,168 |
| Pretax return on assets | 1.3777% | 2,105 |
| Return on Equity (ROE) | 14.5744% | 736 |
| Retained earnings to average equity (ytd only) | 3.6265% | 3,586 |
| Net charge-offs to loans | -0.0159% | 4,857 |
| Credit loss provision to net charge-offs | -2,057.1429% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7953% | 3,882 |
| Assets per employee ($millions) | 4.3755% | 3,259 |
| Cash dividends to net income (ytd only)* | 75.1174% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 2,035 |
| Loan loss allowance to noncurrent loans | 470.2509% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 1.5008% | 1,276 |
| Noncurrent loans to loans | 0.3101% | 4,257 |
| Net loans and leases to total assets | 56.2935% | 4,275 |
| Net loans and leases to deposits | 63.3791% | 4,536 |
| Net loans and leases to core deposits | 68.7382% | 4,417 |
| Total domestic deposits to total assets | 88.8204% | 1,002 |
| Equity capital to assets | 9.6141% | 4,654 |
| Core capital (leverage) ratio | 8.6461% | 5,220 |
| Tier 1 risk-based capital ratio | 13.2901% | 4,025 |
| Total risk-based capital ratio | 14.5482% | 3,937 |
| Memoranda: | ||
| Average total assets | $154,602,330 | 3,491 |
| Average earning assets | $141,056,330 | 3,522 |
| Average equity | $14,614,670 | 3,910 |
| Average total loans | $87,953,330 | 3,650 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 1,288 |
| Cost of funding earning assets | 0.5410% | 1,783 |
| Net interest margin | 4.0488% | 1,480 |
| Noninterest income to average assets | 0.7131% | 1,976 |
| Noninterest expense to average assets | 2.8679% | 2,823 |
| Loan and lease loss provision to assets | 0.1776% | 1,146 |
| Net operating income to assets | 1.3425% | 1,144 |
| Return on assets (ROA) | 1.3425% | 1,223 |
| Pretax return on assets | 1.3425% | 2,126 |
| Return on Equity (ROE) | 14.3275% | 774 |
| Retained earnings to average equity (ytd only) | 7.3589% | 1,726 |
| Net charge-offs to loans | -0.1150% | 5,691 |
| Credit loss provision to net charge-offs | -272.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3571% | 3,908 |
| Assets per employee ($millions) | 4.3376% | 3,350 |
| Cash dividends to net income (ytd only)* | 48.6381% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 2,239 |
| Loan loss allowance to noncurrent loans | 268.5225% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 1.7022% | 1,135 |
| Noncurrent loans to loans | 0.5370% | 3,577 |
| Net loans and leases to total assets | 54.8894% | 4,365 |
| Net loans and leases to deposits | 61.5800% | 4,610 |
| Net loans and leases to core deposits | 66.5533% | 4,500 |
| Total domestic deposits to total assets | 89.1351% | 1,029 |
| Equity capital to assets | 9.3888% | 4,783 |
| Core capital (leverage) ratio | 8.8777% | 4,985 |
| Tier 1 risk-based capital ratio | 14.0196% | 3,680 |
| Total risk-based capital ratio | 15.2783% | 3,603 |
| Memoranda: | ||
| Average total assets | $153,144,000 | 3,535 |
| Average earning assets | $139,005,500 | 3,574 |
| Average equity | $14,350,000 | 3,960 |
| Average total loans | $86,937,500 | 3,683 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 1,139 |
| Cost of funding earning assets | 0.5697% | 1,599 |
| Net interest margin | 4.1147% | 1,378 |
| Noninterest income to average assets | 0.8734% | 1,520 |
| Noninterest expense to average assets | 2.9287% | 2,772 |
| Loan and lease loss provision to assets | 0.1129% | 2,119 |
| Net operating income to assets | 1.6186% | 673 |
| Return on assets (ROA) | 1.4784% | 929 |
| Pretax return on assets | 1.4784% | 1,624 |
| Return on Equity (ROE) | 15.7261% | 584 |
| Retained earnings to average equity (ytd only) | 7.3747% | 1,138 |
| Net charge-offs to loans | 0.0536% | 3,132 |
| Credit loss provision to net charge-offs | 365.9091% | 815 |
| Earnings coverage of net charge-offs (x) | 56.1364% | 922 |
| Efficiency ratio | 62.8460% | 4,469 |
| Assets per employee ($millions) | 4.2895% | 3,406 |
| Cash dividends to net income (ytd only)* | 53.1057% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,725 |
| Loan loss allowance to noncurrent loans | 305.5263% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 1.6932% | 1,149 |
| Noncurrent loans to loans | 0.4372% | 3,899 |
| Net loans and leases to total assets | 57.1143% | 4,184 |
| Net loans and leases to deposits | 64.0613% | 4,463 |
| Net loans and leases to core deposits | 69.2264% | 4,356 |
| Total domestic deposits to total assets | 89.1557% | 1,043 |
| Equity capital to assets | 9.3510% | 4,732 |
| Core capital (leverage) ratio | 9.1732% | 4,654 |
| Tier 1 risk-based capital ratio | 13.8190% | 3,817 |
| Total risk-based capital ratio | 15.0125% | 3,781 |
| Memoranda: | ||
| Average total assets | $142,657,600 | 3,684 |
| Average earning assets | $131,286,600 | 3,672 |
| Average equity | $13,410,800 | 4,063 |
| Average total loans | $82,111,200 | 3,773 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,224 |
| Cost of funding earning assets | 0.5716% | 1,614 |
| Net interest margin | 4.0716% | 1,487 |
| Noninterest income to average assets | 0.6184% | 2,641 |
| Noninterest expense to average assets | 2.8657% | 2,955 |
| Loan and lease loss provision to assets | 0.1004% | 2,174 |
| Net operating income to assets | 1.4167% | 1,070 |
| Return on assets (ROA) | 1.4167% | 1,114 |
| Pretax return on assets | 1.4167% | 1,942 |
| Return on Equity (ROE) | 15.0495% | 720 |
| Retained earnings to average equity (ytd only) | 3.7825% | 3,778 |
| Net charge-offs to loans | 0.0313% | 3,296 |
| Credit loss provision to net charge-offs | 557.8947% | 600 |
| Earnings coverage of net charge-offs (x) | 84.3249% | 715 |
| Efficiency ratio | 65.3846% | 3,993 |
| Assets per employee ($millions) | 3.6818% | 4,477 |
| Cash dividends to net income (ytd only)* | 74.8664% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,959 |
| Loan loss allowance to noncurrent loans | 304.8518% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 2.1464% | 909 |
| Noncurrent loans to loans | 0.4357% | 4,045 |
| Net loans and leases to total assets | 58.5163% | 4,080 |
| Net loans and leases to deposits | 65.8204% | 4,397 |
| Net loans and leases to core deposits | 71.5376% | 4,231 |
| Total domestic deposits to total assets | 88.9030% | 1,076 |
| Equity capital to assets | 9.4450% | 4,817 |
| Core capital (leverage) ratio | 8.9557% | 5,045 |
| Tier 1 risk-based capital ratio | 12.7968% | 4,552 |
| Total risk-based capital ratio | 13.9344% | 4,528 |
| Memoranda: | ||
| Average total assets | $140,788,500 | 3,745 |
| Average earning assets | $130,165,500 | 3,726 |
| Average equity | $13,253,750 | 4,129 |
| Average total loans | $80,911,750 | 3,828 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,265 |
| Cost of funding earning assets | 0.5755% | 1,605 |
| Net interest margin | 4.0318% | 1,548 |
| Noninterest income to average assets | 0.5892% | 2,804 |
| Noninterest expense to average assets | 2.7800% | 3,314 |
| Loan and lease loss provision to assets | 0.1001% | 2,157 |
| Net operating income to assets | 1.4258% | 1,041 |
| Return on assets (ROA) | 1.4258% | 1,079 |
| Pretax return on assets | 1.4258% | 1,882 |
| Return on Equity (ROE) | 15.1623% | 714 |
| Retained earnings to average equity (ytd only) | 0.7908% | 5,244 |
| Net charge-offs to loans | 0.0377% | 2,926 |
| Credit loss provision to net charge-offs | 466.6667% | 660 |
| Earnings coverage of net charge-offs (x) | 71.1333% | 766 |
| Efficiency ratio | 64.5633% | 4,265 |
| Assets per employee ($millions) | 4.4296% | 3,097 |
| Cash dividends to net income (ytd only)* | 94.7844% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 3,087 |
| Loan loss allowance to noncurrent loans | 674.2331% | 791 |
| Noncurrent assets plus other real estate owned to assets | 2.0762% | 1,042 |
| Noncurrent loans to loans | 0.1970% | 4,988 |
| Net loans and leases to total assets | 57.5874% | 4,157 |
| Net loans and leases to deposits | 64.5365% | 4,486 |
| Net loans and leases to core deposits | 70.2173% | 4,307 |
| Total domestic deposits to total assets | 89.2323% | 1,032 |
| Equity capital to assets | 9.1740% | 5,052 |
| Core capital (leverage) ratio | 8.8473% | 5,161 |
| Tier 1 risk-based capital ratio | 13.0321% | 4,500 |
| Total risk-based capital ratio | 14.1889% | 4,471 |
| Memoranda: | ||
| Average total assets | $139,855,000 | 3,782 |
| Average earning assets | $128,924,000 | 3,775 |
| Average equity | $13,151,000 | 4,175 |
| Average total loans | $79,497,670 | 3,902 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,317 |
| Cost of funding earning assets | 0.5875% | 1,519 |
| Net interest margin | 3.9691% | 1,656 |
| Noninterest income to average assets | 0.5903% | 2,697 |
| Noninterest expense to average assets | 2.7126% | 3,540 |
| Loan and lease loss provision to assets | 0.1209% | 1,715 |
| Net operating income to assets | 1.4139% | 1,008 |
| Return on assets (ROA) | 1.4139% | 1,063 |
| Pretax return on assets | 1.4139% | 1,843 |
| Return on Equity (ROE) | 14.8512% | 734 |
| Retained earnings to average equity (ytd only) | 2.7525% | 4,304 |
| Net charge-offs to loans | 0.0514% | 2,267 |
| Credit loss provision to net charge-offs | 420.0000% | 629 |
| Earnings coverage of net charge-offs (x) | 53.3000% | 799 |
| Efficiency ratio | 63.8644% | 4,506 |
| Assets per employee ($millions) | 4.9625% | 2,404 |
| Cash dividends to net income (ytd only)* | 81.4664% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 3,096 |
| Loan loss allowance to noncurrent loans | 621.9653% | 817 |
| Noncurrent assets plus other real estate owned to assets | 2.2246% | 1,034 |
| Noncurrent loans to loans | 0.2188% | 4,993 |
| Net loans and leases to total assets | 56.1271% | 4,188 |
| Net loans and leases to deposits | 62.9616% | 4,485 |
| Net loans and leases to core deposits | 68.4670% | 4,291 |
| Total domestic deposits to total assets | 89.1449% | 1,174 |
| Equity capital to assets | 9.6230% | 4,603 |
| Core capital (leverage) ratio | 8.9422% | 5,021 |
| Tier 1 risk-based capital ratio | 14.7573% | 3,571 |
| Total risk-based capital ratio | 16.0363% | 3,480 |
| Memoranda: | ||
| Average total assets | $138,908,500 | 3,828 |
| Average earning assets | $127,990,000 | 3,830 |
| Average equity | $13,224,500 | 4,199 |
| Average total loans | $77,882,500 | 3,964 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 1,598 |
| Cost of funding earning assets | 0.6177% | 1,622 |
| Net interest margin | 3.9694% | 1,979 |
| Noninterest income to average assets | 0.8529% | 1,669 |
| Noninterest expense to average assets | 2.8557% | 3,279 |
| Loan and lease loss provision to assets | 0.0555% | 3,440 |
| Net operating income to assets | 1.6132% | 693 |
| Return on assets (ROA) | 1.6146% | 723 |
| Pretax return on assets | 1.6146% | 1,194 |
| Return on Equity (ROE) | 18.4027% | 362 |
| Retained earnings to average equity (ytd only) | 10.3365% | 465 |
| Net charge-offs to loans | 0.1253% | 2,779 |
| Credit loss provision to net charge-offs | 80.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 24.0737% | 1,554 |
| Efficiency ratio | 63.1189% | 4,738 |
| Assets per employee ($millions) | 5.5547% | 1,726 |
| Cash dividends to net income (ytd only)* | 43.8319% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,131 |
| Loan loss allowance to noncurrent loans | 243.3566% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4462% | 949 |
| Noncurrent loans to loans | 0.5593% | 3,991 |
| Net loans and leases to total assets | 54.4812% | 4,515 |
| Net loans and leases to deposits | 61.4883% | 4,765 |
| Net loans and leases to core deposits | 67.0219% | 4,593 |
| Total domestic deposits to total assets | 88.6043% | 1,469 |
| Equity capital to assets | 9.4176% | 4,820 |
| Core capital (leverage) ratio | 9.1450% | 4,760 |
| Tier 1 risk-based capital ratio | 14.7925% | 3,605 |
| Total risk-based capital ratio | 16.0088% | 3,557 |
| Memoranda: | ||
| Average total assets | $137,059,200 | 3,856 |
| Average earning assets | $126,769,000 | 3,825 |
| Average equity | $12,025,400 | 4,355 |
| Average total loans | $75,791,600 | 3,997 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 1,738 |
| Cost of funding earning assets | 0.6194% | 1,676 |
| Net interest margin | 3.9187% | 2,162 |
| Noninterest income to average assets | 0.5768% | 3,017 |
| Noninterest expense to average assets | 2.7689% | 3,579 |
| Loan and lease loss provision to assets | 0.0742% | 2,859 |
| Net operating income to assets | 1.3645% | 1,212 |
| Return on assets (ROA) | 1.3664% | 1,246 |
| Pretax return on assets | 1.3664% | 2,134 |
| Return on Equity (ROE) | 15.8696% | 687 |
| Retained earnings to average equity (ytd only) | 4.8742% | 3,173 |
| Net charge-offs to loans | -0.0794% | 6,070 |
| Credit loss provision to net charge-offs | -168.8889% | 5,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8084% | 4,244 |
| Assets per employee ($millions) | 5.5037% | 1,722 |
| Cash dividends to net income (ytd only)* | 69.2857% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 2,567 |
| Loan loss allowance to noncurrent loans | 412.5436% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 2.4057% | 1,118 |
| Noncurrent loans to loans | 0.3717% | 4,795 |
| Net loans and leases to total assets | 55.2619% | 4,426 |
| Net loans and leases to deposits | 62.5142% | 4,694 |
| Net loans and leases to core deposits | 68.3660% | 4,473 |
| Total domestic deposits to total assets | 88.3990% | 1,554 |
| Equity capital to assets | 8.8443% | 5,512 |
| Core capital (leverage) ratio | 8.6142% | 5,539 |
| Tier 1 risk-based capital ratio | 13.6663% | 4,436 |
| Total risk-based capital ratio | 14.8612% | 4,413 |
| Memoranda: | ||
| Average total assets | $136,607,000 | 3,887 |
| Average earning assets | $126,568,000 | 3,867 |
| Average equity | $11,762,250 | 4,432 |
| Average total loans | $75,564,250 | 4,048 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 2,084 |
| Cost of funding earning assets | 0.6234% | 1,701 |
| Net interest margin | 3.8020% | 2,568 |
| Noninterest income to average assets | 0.5503% | 3,120 |
| Noninterest expense to average assets | 2.7664% | 3,629 |
| Loan and lease loss provision to assets | 0.1115% | 2,163 |
| Net operating income to assets | 1.1902% | 1,621 |
| Return on assets (ROA) | 1.1902% | 1,690 |
| Pretax return on assets | 1.1902% | 2,702 |
| Return on Equity (ROE) | 13.9507% | 964 |
| Retained earnings to average equity (ytd only) | 4.0596% | 3,588 |
| Net charge-offs to loans | 0.0133% | 3,974 |
| Credit loss provision to net charge-offs | 1,520.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 177.4000% | 355 |
| Efficiency ratio | 68.0014% | 4,008 |
| Assets per employee ($millions) | 5.4564% | 1,734 |
| Cash dividends to net income (ytd only)* | 70.9001% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 2,845 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 2.7241% | 966 |
| Noncurrent loans to loans | 0.9715% | 3,293 |
| Net loans and leases to total assets | 54.1793% | 4,520 |
| Net loans and leases to deposits | 60.1057% | 4,856 |
| Net loans and leases to core deposits | 65.8042% | 4,660 |
| Total domestic deposits to total assets | 90.1400% | 742 |
| Equity capital to assets | 8.7552% | 5,564 |
| Core capital (leverage) ratio | 8.4690% | 5,661 |
| Tier 1 risk-based capital ratio | 14.1219% | 4,179 |
| Total risk-based capital ratio | 15.3590% | 4,122 |
| Memoranda: | ||
| Average total assets | $136,278,670 | 3,914 |
| Average earning assets | $126,090,670 | 3,887 |
| Average equity | $11,626,670 | 4,467 |
| Average total loans | $75,012,330 | 4,074 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 2,019 |
| Cost of funding earning assets | 0.6235% | 1,783 |
| Net interest margin | 3.8077% | 2,442 |
| Noninterest income to average assets | 0.5433% | 3,095 |
| Noninterest expense to average assets | 2.7692% | 3,682 |
| Loan and lease loss provision to assets | 0.1321% | 1,836 |
| Net operating income to assets | 1.1570% | 1,607 |
| Return on assets (ROA) | 1.1570% | 1,678 |
| Pretax return on assets | 1.1570% | 2,669 |
| Return on Equity (ROE) | 13.7420% | 993 |
| Retained earnings to average equity (ytd only) | -0.2093% | 5,596 |
| Net charge-offs to loans | -0.1067% | 6,142 |
| Credit loss provision to net charge-offs | -225.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2344% | 4,143 |
| Assets per employee ($millions) | 5.3630% | 1,842 |
| Cash dividends to net income (ytd only)* | 101.5228% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,073 |
| Loan loss allowance to noncurrent loans | 349.2260% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 2.3867% | 1,361 |
| Noncurrent loans to loans | 0.4345% | 4,843 |
| Net loans and leases to total assets | 52.5018% | 4,616 |
| Net loans and leases to deposits | 57.8117% | 4,964 |
| Net loans and leases to core deposits | 63.1405% | 4,776 |
| Total domestic deposits to total assets | 90.8152% | 638 |
| Equity capital to assets | 8.2812% | 5,841 |
| Core capital (leverage) ratio | 8.3775% | 5,771 |
| Tier 1 risk-based capital ratio | 12.8596% | 5,091 |
| Total risk-based capital ratio | 14.0684% | 5,057 |
| Memoranda: | ||
| Average total assets | $136,213,000 | 3,954 |
| Average earning assets | $125,744,500 | 3,932 |
| Average equity | $11,468,500 | 4,510 |
| Average total loans | $74,998,500 | 4,100 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 2,411 |
| Cost of funding earning assets | 0.7279% | 1,636 |
| Net interest margin | 3.7176% | 2,987 |
| Noninterest income to average assets | 0.5573% | 3,355 |
| Noninterest expense to average assets | 2.7616% | 3,866 |
| Loan and lease loss provision to assets | 0.1390% | 2,570 |
| Net operating income to assets | 1.0926% | 1,957 |
| Return on assets (ROA) | 1.0926% | 2,031 |
| Pretax return on assets | 1.0926% | 2,972 |
| Return on Equity (ROE) | 12.9602% | 1,174 |
| Retained earnings to average equity (ytd only) | 6.2054% | 1,845 |
| Net charge-offs to loans | 0.0858% | 4,011 |
| Credit loss provision to net charge-offs | 295.1613% | 771 |
| Earnings coverage of net charge-offs (x) | 26.1613% | 1,302 |
| Efficiency ratio | 69.1576% | 3,984 |
| Assets per employee ($millions) | 4.9255% | 2,276 |
| Cash dividends to net income (ytd only)* | 52.1195% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 3,632 |
| Loan loss allowance to noncurrent loans | 147.8442% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 2.8469% | 1,134 |
| Noncurrent loans to loans | 0.9503% | 3,613 |
| Net loans and leases to total assets | 56.0941% | 4,304 |
| Net loans and leases to deposits | 61.9619% | 4,728 |
| Net loans and leases to core deposits | 68.2653% | 4,485 |
| Total domestic deposits to total assets | 90.5300% | 794 |
| Equity capital to assets | 8.5646% | 5,510 |
| Core capital (leverage) ratio | 8.5487% | 5,612 |
| Tier 1 risk-based capital ratio | 13.6101% | 4,575 |
| Total risk-based capital ratio | 14.7680% | 4,585 |
| Memoranda: | ||
| Average total assets | $131,700,200 | 4,039 |
| Average earning assets | $121,718,800 | 4,020 |
| Average equity | $11,103,200 | 4,614 |
| Average total loans | $72,285,200 | 4,184 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 2,538 |
| Cost of funding earning assets | 0.7506% | 1,607 |
| Net interest margin | 3.6661% | 3,170 |
| Noninterest income to average assets | 0.5561% | 3,417 |
| Noninterest expense to average assets | 2.6843% | 4,078 |
| Loan and lease loss provision to assets | 0.1390% | 2,556 |
| Net operating income to assets | 1.1184% | 1,939 |
| Return on assets (ROA) | 1.1184% | 2,008 |
| Pretax return on assets | 1.1184% | 3,024 |
| Return on Equity (ROE) | 13.3191% | 1,165 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,655 |
| Net charge-offs to loans | 0.0523% | 4,158 |
| Credit loss provision to net charge-offs | 489.2857% | 557 |
| Earnings coverage of net charge-offs (x) | 44.2529% | 939 |
| Efficiency ratio | 68.0999% | 4,080 |
| Assets per employee ($millions) | 4.9079% | 2,292 |
| Cash dividends to net income (ytd only)* | 68.0583% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 3,695 |
| Loan loss allowance to noncurrent loans | 226.9978% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 2.6541% | 1,421 |
| Noncurrent loans to loans | 0.6375% | 4,599 |
| Net loans and leases to total assets | 54.0139% | 4,611 |
| Net loans and leases to deposits | 59.5945% | 5,022 |
| Net loans and leases to core deposits | 65.5200% | 4,753 |
| Total domestic deposits to total assets | 90.6357% | 690 |
| Equity capital to assets | 8.3697% | 5,862 |
| Core capital (leverage) ratio | 8.3776% | 5,878 |
| Tier 1 risk-based capital ratio | 14.9861% | 3,762 |
| Total risk-based capital ratio | 16.2272% | 3,713 |
| Memoranda: | ||
| Average total assets | $131,378,000 | 4,079 |
| Average earning assets | $121,323,500 | 4,066 |
| Average equity | $11,031,500 | 4,678 |
| Average total loans | $71,441,000 | 4,243 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 2,888 |
| Cost of funding earning assets | 0.7722% | 1,572 |
| Net interest margin | 3.5431% | 3,591 |
| Noninterest income to average assets | 0.5374% | 3,588 |
| Noninterest expense to average assets | 2.5542% | 4,549 |
| Loan and lease loss provision to assets | 0.1389% | 2,592 |
| Net operating income to assets | 1.1298% | 1,819 |
| Return on assets (ROA) | 1.1298% | 1,936 |
| Pretax return on assets | 1.1298% | 2,975 |
| Return on Equity (ROE) | 13.4403% | 1,134 |
| Retained earnings to average equity (ytd only) | 2.0887% | 4,941 |
| Net charge-offs to loans | 0.0310% | 4,255 |
| Credit loss provision to net charge-offs | 827.2727% | 372 |
| Earnings coverage of net charge-offs (x) | 75.5455% | 600 |
| Efficiency ratio | 66.8131% | 4,396 |
| Assets per employee ($millions) | 5.1002% | 1,990 |
| Cash dividends to net income (ytd only)* | 84.4595% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,050 |
| Loan loss allowance to noncurrent loans | 75.0918% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.8860% | 1,423 |
| Noncurrent loans to loans | 1.8599% | 2,547 |
| Net loans and leases to total assets | 54.4120% | 4,530 |
| Net loans and leases to deposits | 59.8452% | 4,995 |
| Net loans and leases to core deposits | 65.5793% | 4,731 |
| Total domestic deposits to total assets | 90.9212% | 575 |
| Equity capital to assets | 8.1656% | 6,081 |
| Core capital (leverage) ratio | 8.1700% | 6,037 |
| Tier 1 risk-based capital ratio | 13.5579% | 4,735 |
| Total risk-based capital ratio | 14.7515% | 4,724 |
| Memoranda: | ||
| Average total assets | $130,999,330 | 4,120 |
| Average earning assets | $121,476,670 | 4,091 |
| Average equity | $11,011,670 | 4,716 |
| Average total loans | $71,045,670 | 4,275 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 3,008 |
| Cost of funding earning assets | 0.8063% | 1,492 |
| Net interest margin | 3.4675% | 3,830 |
| Noninterest income to average assets | 0.4885% | 3,859 |
| Noninterest expense to average assets | 2.6975% | 4,070 |
| Loan and lease loss provision to assets | 0.1383% | 2,515 |
| Net operating income to assets | 0.8633% | 2,844 |
| Return on assets (ROA) | 0.8633% | 2,981 |
| Pretax return on assets | 0.8633% | 3,899 |
| Return on Equity (ROE) | 10.1229% | 2,020 |
| Retained earnings to average equity (ytd only) | -4.2869% | 6,309 |
| Net charge-offs to loans | 0.0114% | 3,915 |
| Credit loss provision to net charge-offs | 2,250.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 248 |
| Efficiency ratio | 72.9236% | 3,454 |
| Assets per employee ($millions) | 5.0681% | 2,134 |
| Cash dividends to net income (ytd only)* | 142.3488% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 4,177 |
| Loan loss allowance to noncurrent loans | 240.2439% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 2.1940% | 2,125 |
| Noncurrent loans to loans | 0.5874% | 4,974 |
| Net loans and leases to total assets | 52.2255% | 4,675 |
| Net loans and leases to deposits | 57.5382% | 5,090 |
| Net loans and leases to core deposits | 63.1259% | 4,835 |
| Total domestic deposits to total assets | 90.7666% | 635 |
| Equity capital to assets | 8.4154% | 6,086 |
| Core capital (leverage) ratio | 8.0196% | 6,124 |
| Tier 1 risk-based capital ratio | 12.4768% | 5,592 |
| Total risk-based capital ratio | 13.6360% | 5,601 |
| Memoranda: | ||
| Average total assets | $130,196,500 | 4,179 |
| Average earning assets | $120,549,000 | 4,142 |
| Average equity | $11,103,500 | 4,751 |
| Average total loans | $69,981,000 | 4,345 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 2,395 |
| Cost of funding earning assets | 0.9687% | 1,537 |
| Net interest margin | 3.7821% | 3,308 |
| Noninterest income to average assets | 0.9332% | 1,765 |
| Noninterest expense to average assets | 2.9059% | 3,608 |
| Loan and lease loss provision to assets | 0.1562% | 3,660 |
| Net operating income to assets | 1.3324% | 1,229 |
| Return on assets (ROA) | 1.3256% | 1,372 |
| Pretax return on assets | 1.3256% | 2,301 |
| Return on Equity (ROE) | 15.9709% | 664 |
| Retained earnings to average equity (ytd only) | 11.0600% | 433 |
| Net charge-offs to loans | 0.1567% | 4,135 |
| Credit loss provision to net charge-offs | 175.2381% | 1,500 |
| Earnings coverage of net charge-offs (x) | 16.6952% | 1,565 |
| Efficiency ratio | 66.1256% | 4,478 |
| Assets per employee ($millions) | 5.1449% | 2,047 |
| Cash dividends to net income (ytd only)* | 30.7495% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,445 |
| Loan loss allowance to noncurrent loans | 189.1566% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 2.2415% | 2,188 |
| Noncurrent loans to loans | 0.7098% | 4,766 |
| Net loans and leases to total assets | 53.8143% | 4,642 |
| Net loans and leases to deposits | 59.4822% | 5,077 |
| Net loans and leases to core deposits | 64.8063% | 4,863 |
| Total domestic deposits to total assets | 90.4713% | 717 |
| Equity capital to assets | 8.6439% | 5,913 |
| Core capital (leverage) ratio | 8.4414% | 5,704 |
| Tier 1 risk-based capital ratio | 13.4862% | 4,757 |
| Total risk-based capital ratio | 14.6833% | 4,753 |
| Memoranda: | ||
| Average total assets | $117,760,600 | 4,406 |
| Average earning assets | $107,770,000 | 4,401 |
| Average equity | $9,774,000 | 5,036 |
| Average total loans | $67,021,600 | 4,459 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8480% | 2,206 |
| Cost of funding earning assets | 0.9958% | 1,586 |
| Net interest margin | 3.8522% | 3,108 |
| Noninterest income to average assets | 0.5783% | 3,421 |
| Noninterest expense to average assets | 2.8452% | 3,821 |
| Loan and lease loss provision to assets | 0.1565% | 3,565 |
| Net operating income to assets | 1.0917% | 2,123 |
| Return on assets (ROA) | 1.0824% | 2,360 |
| Pretax return on assets | 1.0824% | 3,415 |
| Return on Equity (ROE) | 13.1945% | 1,291 |
| Retained earnings to average equity (ytd only) | 6.4136% | 2,422 |
| Net charge-offs to loans | 0.1812% | 3,668 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 11.9663% | 2,037 |
| Efficiency ratio | 69.5074% | 3,787 |
| Assets per employee ($millions) | 4.8684% | 2,357 |
| Cash dividends to net income (ytd only)* | 51.3916% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,734 |
| Loan loss allowance to noncurrent loans | 200.8850% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 2.3499% | 2,262 |
| Noncurrent loans to loans | 0.6558% | 5,135 |
| Net loans and leases to total assets | 55.8833% | 4,473 |
| Net loans and leases to deposits | 61.8791% | 4,983 |
| Net loans and leases to core deposits | 67.3489% | 4,802 |
| Total domestic deposits to total assets | 90.3105% | 673 |
| Equity capital to assets | 8.6871% | 6,117 |
| Core capital (leverage) ratio | 8.3655% | 5,928 |
| Tier 1 risk-based capital ratio | 12.6670% | 5,512 |
| Total risk-based capital ratio | 13.8190% | 5,548 |
| Memoranda: | ||
| Average total assets | $115,045,250 | 4,508 |
| Average earning assets | $104,976,500 | 4,514 |
| Average equity | $9,438,000 | 5,170 |
| Average total loans | $66,237,250 | 4,540 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8858% | 2,169 |
| Cost of funding earning assets | 1.0136% | 1,686 |
| Net interest margin | 3.8722% | 3,030 |
| Noninterest income to average assets | 0.5903% | 3,317 |
| Noninterest expense to average assets | 2.8930% | 3,649 |
| Loan and lease loss provision to assets | 0.1578% | 3,539 |
| Net operating income to assets | 1.0813% | 2,119 |
| Return on assets (ROA) | 1.0671% | 2,403 |
| Pretax return on assets | 1.0671% | 3,435 |
| Return on Equity (ROE) | 13.2897% | 1,283 |
| Retained earnings to average equity (ytd only) | 5.1216% | 3,211 |
| Net charge-offs to loans | 0.1561% | 3,667 |
| Credit loss provision to net charge-offs | 174.5098% | 1,614 |
| Earnings coverage of net charge-offs (x) | 13.7059% | 1,769 |
| Efficiency ratio | 70.0129% | 3,762 |
| Assets per employee ($millions) | 4.8473% | 2,363 |
| Cash dividends to net income (ytd only)* | 61.4618% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 4,737 |
| Loan loss allowance to noncurrent loans | 239.6277% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 2.4284% | 2,301 |
| Noncurrent loans to loans | 0.5557% | 5,405 |
| Net loans and leases to total assets | 57.3856% | 4,266 |
| Net loans and leases to deposits | 63.0212% | 4,876 |
| Net loans and leases to core deposits | 68.6440% | 4,710 |
| Total domestic deposits to total assets | 91.0576% | 427 |
| Equity capital to assets | 7.9341% | 6,610 |
| Core capital (leverage) ratio | 7.5567% | 6,599 |
| Tier 1 risk-based capital ratio | 11.8156% | 6,046 |
| Total risk-based capital ratio | 13.0185% | 6,060 |
| Memoranda: | ||
| Average total assets | $112,824,000 | 4,595 |
| Average earning assets | $103,198,000 | 4,596 |
| Average equity | $9,059,670 | 5,250 |
| Average total loans | $65,342,000 | 4,591 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 2,194 |
| Cost of funding earning assets | 1.0307% | 1,807 |
| Net interest margin | 3.8818% | 2,996 |
| Noninterest income to average assets | 0.6771% | 2,770 |
| Noninterest expense to average assets | 2.9243% | 3,524 |
| Loan and lease loss provision to assets | 0.1549% | 3,438 |
| Net operating income to assets | 1.1380% | 1,929 |
| Return on assets (ROA) | 1.1092% | 2,227 |
| Pretax return on assets | 1.1092% | 3,289 |
| Return on Equity (ROE) | 13.7278% | 1,244 |
| Retained earnings to average equity (ytd only) | 3.2537% | 4,618 |
| Net charge-offs to loans | 0.2804% | 2,544 |
| Credit loss provision to net charge-offs | 95.5556% | 2,447 |
| Earnings coverage of net charge-offs (x) | 7.9778% | 2,015 |
| Efficiency ratio | 69.3424% | 3,922 |
| Assets per employee ($millions) | 5.0322% | 2,217 |
| Cash dividends to net income (ytd only)* | 76.2987% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 4,949 |
| Loan loss allowance to noncurrent loans | 173.5887% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 2.5203% | 2,353 |
| Noncurrent loans to loans | 0.7582% | 5,146 |
| Net loans and leases to total assets | 55.7741% | 4,425 |
| Net loans and leases to deposits | 61.0783% | 5,034 |
| Net loans and leases to core deposits | 66.2762% | 4,881 |
| Total domestic deposits to total assets | 91.3159% | 433 |
| Equity capital to assets | 7.7985% | 6,632 |
| Core capital (leverage) ratio | 7.6392% | 6,540 |
| Tier 1 risk-based capital ratio | 9.7396% | 6,929 |
| Total risk-based capital ratio | 10.7144% | 6,965 |
| Memoranda: | ||
| Average total assets | $111,069,000 | 4,685 |
| Average earning assets | $101,294,500 | 4,665 |
| Average equity | $8,974,500 | 5,290 |
| Average total loans | $64,183,000 | 4,660 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 2,411 |
| Cost of funding earning assets | 1.1880% | 2,104 |
| Net interest margin | 3.9235% | 3,235 |
| Noninterest income to average assets | 1.2837% | 780 |
| Noninterest expense to average assets | 3.2199% | 2,793 |
| Loan and lease loss provision to assets | 0.2057% | 4,129 |
| Net operating income to assets | 1.4350% | 958 |
| Return on assets (ROA) | 1.1264% | 1,855 |
| Pretax return on assets | 1.1264% | 2,736 |
| Return on Equity (ROE) | 13.8537% | 969 |
| Retained earnings to average equity (ytd only) | 11.0632% | 395 |
| Net charge-offs to loans | 0.0552% | 5,766 |
| Credit loss provision to net charge-offs | 658.0645% | 341 |
| Earnings coverage of net charge-offs (x) | 52.4839% | 535 |
| Efficiency ratio | 66.2448% | 4,719 |
| Assets per employee ($millions) | 4.6260% | 2,719 |
| Cash dividends to net income (ytd only)* | 20.1432% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 4,593 |
| Loan loss allowance to noncurrent loans | 161.3084% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 2.7942% | 2,167 |
| Noncurrent loans to loans | 0.8499% | 4,989 |
| Net loans and leases to total assets | 58.3554% | 4,307 |
| Net loans and leases to deposits | 64.3396% | 4,960 |
| Net loans and leases to core deposits | 69.7802% | 4,807 |
| Total domestic deposits to total assets | 90.6991% | 630 |
| Equity capital to assets | 8.3864% | 6,264 |
| Core capital (leverage) ratio | 8.0889% | 6,155 |
| Tier 1 risk-based capital ratio | 11.6904% | 6,029 |
| Total risk-based capital ratio | 12.8402% | 6,088 |
| Memoranda: | ||
| Average total assets | $99,164,600 | 4,911 |
| Average earning assets | $90,404,200 | 4,923 |
| Average equity | $8,062,800 | 5,552 |
| Average total loans | $56,182,400 | 5,020 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 2,748 |
| Cost of funding earning assets | 1.2227% | 2,170 |
| Net interest margin | 3.8496% | 3,616 |
| Noninterest income to average assets | 0.7929% | 2,086 |
| Noninterest expense to average assets | 3.2238% | 2,753 |
| Loan and lease loss provision to assets | 0.1260% | 4,854 |
| Net operating income to assets | 0.9573% | 2,497 |
| Return on assets (ROA) | 0.6409% | 4,097 |
| Pretax return on assets | 0.6409% | 4,682 |
| Return on Equity (ROE) | 7.9511% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.9973% | 2,555 |
| Net charge-offs to loans | 0.0440% | 5,548 |
| Credit loss provision to net charge-offs | 511.1111% | 537 |
| Earnings coverage of net charge-offs (x) | 43.9433% | 722 |
| Efficiency ratio | 74.8490% | 3,031 |
| Assets per employee ($millions) | 4.4983% | 2,920 |
| Cash dividends to net income (ytd only)* | 24.5729% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 5,319 |
| Loan loss allowance to noncurrent loans | 230.8157% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 2.5072% | 2,579 |
| Noncurrent loans to loans | 0.5355% | 5,789 |
| Net loans and leases to total assets | 59.0010% | 4,320 |
| Net loans and leases to deposits | 65.7670% | 4,937 |
| Net loans and leases to core deposits | 71.4999% | 4,772 |
| Total domestic deposits to total assets | 89.7121% | 1,033 |
| Equity capital to assets | 8.1480% | 6,601 |
| Core capital (leverage) ratio | 7.8738% | 6,510 |
| Tier 1 risk-based capital ratio | 10.8829% | 6,613 |
| Total risk-based capital ratio | 11.9282% | 6,695 |
| Memoranda: | ||
| Average total assets | $97,356,250 | 5,001 |
| Average earning assets | $88,872,500 | 4,996 |
| Average equity | $7,847,750 | 5,646 |
| Average total loans | $54,490,000 | 5,138 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 3,080 |
| Cost of funding earning assets | 1.2680% | 2,134 |
| Net interest margin | 3.7488% | 4,039 |
| Noninterest income to average assets | 0.7952% | 2,040 |
| Noninterest expense to average assets | 3.2689% | 2,675 |
| Loan and lease loss provision to assets | 0.1301% | 4,665 |
| Net operating income to assets | 0.8078% | 3,033 |
| Return on assets (ROA) | 0.5078% | 4,609 |
| Pretax return on assets | 0.5078% | 5,042 |
| Return on Equity (ROE) | 6.3238% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.3238% | 2,230 |
| Net charge-offs to loans | -0.0423% | 7,003 |
| Credit loss provision to net charge-offs | -563.6364% | 6,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7057% | 2,759 |
| Assets per employee ($millions) | 4.5768% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,826 |
| Loan loss allowance to noncurrent loans | 204.0107% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 2.9139% | 2,302 |
| Noncurrent loans to loans | 0.6624% | 5,584 |
| Net loans and leases to total assets | 55.3159% | 5,102 |
| Net loans and leases to deposits | 60.9270% | 5,621 |
| Net loans and leases to core deposits | 66.1147% | 5,500 |
| Total domestic deposits to total assets | 90.7905% | 595 |
| Equity capital to assets | 8.1280% | 6,573 |
| Core capital (leverage) ratio | 7.8978% | 6,414 |
| Tier 1 risk-based capital ratio | 11.9390% | 5,836 |
| Total risk-based capital ratio | 13.0942% | 5,878 |
| Memoranda: | ||
| Average total assets | $95,321,330 | 5,093 |
| Average earning assets | $86,748,000 | 5,107 |
| Average equity | $7,653,670 | 5,718 |
| Average total loans | $52,051,000 | 5,281 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 3,621 |
| Cost of funding earning assets | 1.2996% | 2,176 |
| Net interest margin | 3.5940% | 4,593 |
| Noninterest income to average assets | 0.8118% | 1,985 |
| Noninterest expense to average assets | 3.3205% | 2,492 |
| Loan and lease loss provision to assets | 0.1770% | 3,852 |
| Net operating income to assets | 0.5743% | 4,158 |
| Return on assets (ROA) | 0.1425% | 6,021 |
| Pretax return on assets | 0.1425% | 6,069 |
| Return on Equity (ROE) | 1.7866% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.7866% | 5,048 |
| Net charge-offs to loans | -0.0963% | 7,075 |
| Credit loss provision to net charge-offs | -341.6667% | 5,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5483% | 2,289 |
| Assets per employee ($millions) | 4.2272% | 3,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,541 |
| Loan loss allowance to noncurrent loans | 100.8141% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 3.7264% | 1,813 |
| Noncurrent loans to loans | 1.4145% | 4,348 |
| Net loans and leases to total assets | 52.8259% | 5,484 |
| Net loans and leases to deposits | 57.9560% | 5,926 |
| Net loans and leases to core deposits | 62.8495% | 5,844 |
| Total domestic deposits to total assets | 91.1484% | 555 |
| Equity capital to assets | 7.8725% | 6,618 |
| Core capital (leverage) ratio | 8.0328% | 6,212 |
| Tier 1 risk-based capital ratio | 11.9569% | 5,735 |
| Total risk-based capital ratio | 13.1356% | 5,791 |
| Memoranda: | ||
| Average total assets | $92,637,500 | 5,215 |
| Average earning assets | $84,028,500 | 5,231 |
| Average equity | $7,388,500 | 5,809 |
| Average total loans | $49,846,500 | 5,397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 2,048 |
| Cost of funding earning assets | 1.5214% | 2,521 |
| Net interest margin | 4.0387% | 2,846 |
| Noninterest income to average assets | 0.8098% | 2,232 |
| Noninterest expense to average assets | 3.1959% | 3,109 |
| Loan and lease loss provision to assets | 0.0972% | 6,173 |
| Net operating income to assets | 1.1540% | 1,533 |
| Return on assets (ROA) | 0.6192% | 3,755 |
| Pretax return on assets | 0.6192% | 4,262 |
| Return on Equity (ROE) | 6.8783% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.5140% | 2,099 |
| Net charge-offs to loans | 0.1143% | 5,737 |
| Credit loss provision to net charge-offs | 143.3962% | 2,603 |
| Earnings coverage of net charge-offs (x) | 18.4528% | 1,103 |
| Efficiency ratio | 71.8642% | 3,818 |
| Assets per employee ($millions) | 4.4025% | 3,023 |
| Cash dividends to net income (ytd only)* | 19.8347% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4499% | 4,281 |
| Loan loss allowance to noncurrent loans | 62.4434% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 4.3850% | 1,525 |
| Noncurrent loans to loans | 2.3219% | 3,198 |
| Net loans and leases to total assets | 53.2652% | 5,746 |
| Net loans and leases to deposits | 58.5620% | 6,205 |
| Net loans and leases to core deposits | 63.4753% | 6,102 |
| Total domestic deposits to total assets | 90.9551% | 617 |
| Equity capital to assets | 8.0897% | 6,394 |
| Core capital (leverage) ratio | 8.1589% | 5,898 |
| Tier 1 risk-based capital ratio | 11.3059% | 6,086 |
| Total risk-based capital ratio | 12.4182% | 6,176 |
| Memoranda: | ||
| Average total assets | $78,163,400 | 5,640 |
| Average earning assets | $70,394,800 | 5,654 |
| Average equity | $7,036,600 | 6,022 |
| Average total loans | $46,352,800 | 5,626 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7498% | 1,552 |
| Cost of funding earning assets | 1.5397% | 2,725 |
| Net interest margin | 4.2101% | 2,186 |
| Noninterest income to average assets | 0.6993% | 2,818 |
| Noninterest expense to average assets | 3.0791% | 3,425 |
| Loan and lease loss provision to assets | 0.1920% | 5,124 |
| Net operating income to assets | 1.2189% | 1,537 |
| Return on assets (ROA) | 0.8438% | 2,960 |
| Pretax return on assets | 0.8438% | 3,762 |
| Return on Equity (ROE) | 9.1041% | 2,455 |
| Retained earnings to average equity (ytd only) | 7.2794% | 1,709 |
| Net charge-offs to loans | 0.0376% | 6,185 |
| Credit loss provision to net charge-offs | 838.4615% | 356 |
| Earnings coverage of net charge-offs (x) | 61.6255% | 476 |
| Efficiency ratio | 68.5759% | 4,355 |
| Assets per employee ($millions) | 4.5831% | 2,775 |
| Cash dividends to net income (ytd only)* | 20.0423% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,533 |
| Loan loss allowance to noncurrent loans | 202.9255% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 4.1930% | 1,639 |
| Noncurrent loans to loans | 0.7869% | 5,638 |
| Net loans and leases to total assets | 56.9938% | 5,414 |
| Net loans and leases to deposits | 63.2289% | 6,002 |
| Net loans and leases to core deposits | 68.9722% | 5,844 |
| Total domestic deposits to total assets | 90.1388% | 813 |
| Equity capital to assets | 8.7836% | 5,883 |
| Core capital (leverage) ratio | 8.9626% | 4,747 |
| Tier 1 risk-based capital ratio | 11.0887% | 6,298 |
| Total risk-based capital ratio | 12.1628% | 6,432 |
| Memoranda: | ||
| Average total assets | $75,691,750 | 5,784 |
| Average earning assets | $68,151,750 | 5,793 |
| Average equity | $7,015,000 | 6,106 |
| Average total loans | $46,043,500 | 5,732 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 1,182 |
| Cost of funding earning assets | 1.5536% | 2,941 |
| Net interest margin | 4.3477% | 1,600 |
| Noninterest income to average assets | 0.8335% | 1,953 |
| Noninterest expense to average assets | 3.2197% | 2,837 |
| Loan and lease loss provision to assets | 0.2370% | 4,541 |
| Net operating income to assets | 1.3102% | 1,281 |
| Return on assets (ROA) | 0.8036% | 3,096 |
| Pretax return on assets | 0.8036% | 3,868 |
| Return on Equity (ROE) | 8.5039% | 2,667 |
| Retained earnings to average equity (ytd only) | 5.7654% | 2,460 |
| Net charge-offs to loans | 0.0132% | 6,156 |
| Credit loss provision to net charge-offs | 2,900.0000% | 149 |
| Earnings coverage of net charge-offs (x) | 189.3333% | 178 |
| Efficiency ratio | 67.5429% | 4,666 |
| Assets per employee ($millions) | 4.1583% | 3,468 |
| Cash dividends to net income (ytd only)* | 32.2034% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 3,580 |
| Loan loss allowance to noncurrent loans | 152.6423% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 4.8818% | 1,329 |
| Noncurrent loans to loans | 1.0292% | 5,248 |
| Net loans and leases to total assets | 62.8604% | 4,497 |
| Net loans and leases to deposits | 70.3093% | 5,228 |
| Net loans and leases to core deposits | 77.4732% | 5,024 |
| Total domestic deposits to total assets | 89.4055% | 1,223 |
| Equity capital to assets | 9.3654% | 4,903 |
| Core capital (leverage) ratio | 9.1400% | 4,392 |
| Tier 1 risk-based capital ratio | 10.7317% | 6,498 |
| Total risk-based capital ratio | 11.9222% | 6,545 |
| Memoranda: | ||
| Average total assets | $73,424,000 | 5,887 |
| Average earning assets | $66,425,670 | 5,888 |
| Average equity | $6,938,000 | 6,161 |
| Average total loans | $45,464,670 | 5,794 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8003% | 1,454 |
| Cost of funding earning assets | 1.5703% | 3,138 |
| Net interest margin | 4.2300% | 1,931 |
| Noninterest income to average assets | 0.8582% | 1,782 |
| Noninterest expense to average assets | 3.1742% | 2,960 |
| Loan and lease loss provision to assets | 0.1925% | 4,575 |
| Net operating income to assets | 1.3148% | 1,265 |
| Return on assets (ROA) | 0.5831% | 4,120 |
| Pretax return on assets | 0.5831% | 4,679 |
| Return on Equity (ROE) | 6.1431% | 3,807 |
| Retained earnings to average equity (ytd only) | 2.6659% | 4,549 |
| Net charge-offs to loans | -0.0271% | 7,158 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8026% | 4,759 |
| Assets per employee ($millions) | 4.8694% | 2,410 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 3,654 |
| Loan loss allowance to noncurrent loans | 196.3788% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 3.5104% | 2,004 |
| Noncurrent loans to loans | 0.7903% | 5,738 |
| Net loans and leases to total assets | 61.2300% | 4,901 |
| Net loans and leases to deposits | 68.4005% | 5,543 |
| Net loans and leases to core deposits | 75.5494% | 5,315 |
| Total domestic deposits to total assets | 89.5168% | 1,239 |
| Equity capital to assets | 9.3673% | 4,729 |
| Core capital (leverage) ratio | 9.0452% | 4,484 |
| Tier 1 risk-based capital ratio | 10.5579% | 6,576 |
| Total risk-based capital ratio | 11.6851% | 6,696 |
| Memoranda: | ||
| Average total assets | $72,711,000 | 5,975 |
| Average earning assets | $65,720,500 | 5,974 |
| Average equity | $6,902,000 | 6,222 |
| Average total loans | $44,296,000 | 5,925 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0516% | 1,669 |
| Cost of funding earning assets | 1.7854% | 4,074 |
| Net interest margin | 4.2661% | 1,834 |
| Noninterest income to average assets | 0.6565% | 3,248 |
| Noninterest expense to average assets | 3.0886% | 3,796 |
| Loan and lease loss provision to assets | 0.3554% | 4,672 |
| Net operating income to assets | 1.0698% | 1,598 |
| Return on assets (ROA) | 0.8544% | 2,412 |
| Pretax return on assets | 0.8878% | 2,960 |
| Return on Equity (ROE) | 9.2192% | 1,953 |
| Retained earnings to average equity (ytd only) | 5.5345% | 1,561 |
| Net charge-offs to loans | 0.3636% | 4,407 |
| Credit loss provision to net charge-offs | 158.3851% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.5404% | 2,343 |
| Efficiency ratio | 67.7883% | 5,047 |
| Assets per employee ($millions) | 4.8254% | 2,448 |
| Cash dividends to net income (ytd only)* | 39.9674% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 3,496 |
| Loan loss allowance to noncurrent loans | 256.5385% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 2.1829% | 3,154 |
| Noncurrent loans to loans | 0.6024% | 6,032 |
| Net loans and leases to total assets | 58.7129% | 5,532 |
| Net loans and leases to deposits | 65.7085% | 6,082 |
| Net loans and leases to core deposits | 93.4575% | 4,730 |
| Total domestic deposits to total assets | 89.3536% | 1,294 |
| Equity capital to assets | 9.6185% | 4,250 |
| Core capital (leverage) ratio | 9.1645% | 4,174 |
| Tier 1 risk-based capital ratio | 10.4275% | 6,467 |
| Total risk-based capital ratio | 11.4242% | 6,679 |
| Memoranda: | ||
| Average total assets | $71,748,400 | 5,949 |
| Average earning assets | $65,586,200 | 5,941 |
| Average equity | $6,649,200 | 6,380 |
| Average total loans | $44,280,200 | 5,919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1109% | 1,609 |
| Cost of funding earning assets | 1.8377% | 4,208 |
| Net interest margin | 4.2732% | 1,798 |
| Noninterest income to average assets | 0.5625% | 3,991 |
| Noninterest expense to average assets | 3.0730% | 3,756 |
| Loan and lease loss provision to assets | 0.2235% | 5,184 |
| Net operating income to assets | 1.1497% | 1,587 |
| Return on assets (ROA) | 1.1100% | 1,766 |
| Pretax return on assets | 1.1398% | 2,450 |
| Return on Equity (ROE) | 12.0933% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.1221% | 1,455 |
| Net charge-offs to loans | 0.0599% | 6,106 |
| Credit loss provision to net charge-offs | 600.0000% | 636 |
| Earnings coverage of net charge-offs (x) | 37.6944% | 783 |
| Efficiency ratio | 68.6356% | 4,856 |
| Assets per employee ($millions) | 4.4696% | 2,903 |
| Cash dividends to net income (ytd only)* | 41.1074% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,457 |
| Loan loss allowance to noncurrent loans | 162.5604% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9075% | 5,260 |
| Noncurrent loans to loans | 0.9215% | 5,445 |
| Net loans and leases to total assets | 61.8802% | 5,265 |
| Net loans and leases to deposits | 69.5299% | 5,972 |
| Net loans and leases to core deposits | 99.1731% | 4,464 |
| Total domestic deposits to total assets | 88.9980% | 1,197 |
| Equity capital to assets | 9.7855% | 4,367 |
| Core capital (leverage) ratio | 9.3082% | 4,177 |
| Tier 1 risk-based capital ratio | 10.0857% | 6,893 |
| Total risk-based capital ratio | 11.0887% | 7,067 |
| Memoranda: | ||
| Average total assets | $71,590,250 | 5,994 |
| Average earning assets | $65,585,750 | 5,974 |
| Average equity | $6,571,000 | 6,457 |
| Average total loans | $44,559,250 | 5,945 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1698% | 1,558 |
| Cost of funding earning assets | 1.8968% | 4,282 |
| Net interest margin | 4.2730% | 1,741 |
| Noninterest income to average assets | 0.6088% | 3,620 |
| Noninterest expense to average assets | 3.1446% | 3,523 |
| Loan and lease loss provision to assets | 0.1983% | 5,069 |
| Net operating income to assets | 1.1715% | 1,556 |
| Return on assets (ROA) | 1.2400% | 1,460 |
| Pretax return on assets | 1.2679% | 2,110 |
| Return on Equity (ROE) | 13.8131% | 1,025 |
| Retained earnings to average equity (ytd only) | 6.1910% | 1,933 |
| Net charge-offs to loans | 0.0990% | 5,173 |
| Credit loss provision to net charge-offs | 322.7273% | 1,447 |
| Earnings coverage of net charge-offs (x) | 22.7273% | 1,211 |
| Efficiency ratio | 69.2497% | 4,938 |
| Assets per employee ($millions) | 4.4609% | 2,827 |
| Cash dividends to net income (ytd only)* | 55.1802% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 3,931 |
| Loan loss allowance to noncurrent loans | 103.3223% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0256% | 4,924 |
| Noncurrent loans to loans | 1.3170% | 4,578 |
| Net loans and leases to total assets | 63.1715% | 5,150 |
| Net loans and leases to deposits | 70.7207% | 5,908 |
| Net loans and leases to core deposits | 103.0889% | 4,169 |
| Total domestic deposits to total assets | 89.3252% | 1,111 |
| Equity capital to assets | 9.4250% | 4,708 |
| Core capital (leverage) ratio | 9.1238% | 4,423 |
| Tier 1 risk-based capital ratio | 9.7290% | 7,204 |
| Total risk-based capital ratio | 10.6546% | 7,436 |
| Memoranda: | ||
| Average total assets | $71,615,670 | 6,039 |
| Average earning assets | $65,902,000 | 6,010 |
| Average equity | $6,428,670 | 6,561 |
| Average total loans | $44,437,000 | 6,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2031% | 1,595 |
| Cost of funding earning assets | 2.0355% | 3,950 |
| Net interest margin | 4.1676% | 2,022 |
| Noninterest income to average assets | 0.6747% | 3,036 |
| Noninterest expense to average assets | 3.0277% | 3,642 |
| Loan and lease loss provision to assets | 0.1729% | 4,736 |
| Net operating income to assets | 1.2964% | 1,391 |
| Return on assets (ROA) | 1.4330% | 1,158 |
| Pretax return on assets | 1.4609% | 1,779 |
| Return on Equity (ROE) | 16.3707% | 766 |
| Retained earnings to average equity (ytd only) | 13.1858% | 611 |
| Net charge-offs to loans | 0.1552% | 3,717 |
| Credit loss provision to net charge-offs | 182.3529% | 2,385 |
| Earnings coverage of net charge-offs (x) | 15.7647% | 1,589 |
| Efficiency ratio | 66.9544% | 5,151 |
| Assets per employee ($millions) | 4.5659% | 2,618 |
| Cash dividends to net income (ytd only)* | 19.4553% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 3,876 |
| Loan loss allowance to noncurrent loans | 107.1168% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 5,017 |
| Noncurrent loans to loans | 1.2475% | 4,476 |
| Net loans and leases to total assets | 59.3265% | 5,765 |
| Net loans and leases to deposits | 66.1129% | 6,368 |
| Net loans and leases to core deposits | 94.9253% | 5,069 |
| Total domestic deposits to total assets | 89.7351% | 919 |
| Equity capital to assets | 9.1424% | 5,162 |
| Core capital (leverage) ratio | 9.0419% | 4,633 |
| Tier 1 risk-based capital ratio | 9.7186% | 7,233 |
| Total risk-based capital ratio | 10.5921% | 7,521 |
| Memoranda: | ||
| Average total assets | $71,736,500 | 6,076 |
| Average earning assets | $66,225,000 | 6,033 |
| Average equity | $6,279,500 | 6,663 |
| Average total loans | $43,800,500 | 6,067 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0223% | 1,078 |
| Cost of funding earning assets | 2.9187% | 2,181 |
| Net interest margin | 4.1035% | 2,693 |
| Noninterest income to average assets | 0.7380% | 2,857 |
| Noninterest expense to average assets | 2.9418% | 4,292 |
| Loan and lease loss provision to assets | 0.3373% | 3,694 |
| Net operating income to assets | 1.1905% | 1,801 |
| Return on assets (ROA) | -0.0620% | 6,307 |
| Pretax return on assets | -0.0346% | 6,187 |
| Return on Equity (ROE) | -0.7624% | 6,334 |
| Retained earnings to average equity (ytd only) | -11.7013% | 7,228 |
| Net charge-offs to loans | 0.9333% | 1,323 |
| Credit loss provision to net charge-offs | 58.3541% | 6,251 |
| Earnings coverage of net charge-offs (x) | 2.6908% | 4,735 |
| Efficiency ratio | 65.4167% | 5,237 |
| Assets per employee ($millions) | 4.1422% | 3,225 |
| Cash dividends to net income (ytd only)* | -1,434.8837% | 8,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 3,696 |
| Loan loss allowance to noncurrent loans | 95.6594% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9827% | 4,372 |
| Noncurrent loans to loans | 1.3716% | 3,775 |
| Net loans and leases to total assets | 61.2059% | 5,737 |
| Net loans and leases to deposits | 67.6673% | 6,491 |
| Net loans and leases to core deposits | 98.5143% | 4,987 |
| Total domestic deposits to total assets | 90.4513% | 511 |
| Equity capital to assets | 8.3501% | 6,346 |
| Core capital (leverage) ratio | 8.0641% | 6,386 |
| Tier 1 risk-based capital ratio | 8.7438% | 7,935 |
| Total risk-based capital ratio | 9.6041% | 8,063 |
| Memoranda: | ||
| Average total assets | $69,380,400 | 6,056 |
| Average earning assets | $63,554,800 | 6,036 |
| Average equity | $5,640,400 | 6,936 |
| Average total loans | $42,965,800 | 6,025 |