Home > Bluff View Bank > Performance and Condition Ratios
Bluff View Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 2,555 |
| Cost of funding earning assets | 1.2255% | 2,743 |
| Net interest margin | 3.5351% | 2,108 |
| Noninterest income to average assets | 0.9300% | 719 |
| Noninterest expense to average assets | 3.2124% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0125% | 2,175 |
| Return on assets (ROA) | 1.0125% | 2,162 |
| Pretax return on assets | 0.9836% | 2,716 |
| Return on Equity (ROE) | 6.6600% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.2026% | 3,536 |
| Net charge-offs to loans | 0.0383% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 41.4688% | 1,425 |
| Efficiency ratio | 76.5589% | 1,205 |
| Assets per employee ($millions) | 6.1463% | 2,694 |
| Cash dividends to net income (ytd only)* | 66.9107% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 2,579 |
| Loan loss allowance to noncurrent loans | 2,476.9231% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,494 |
| Noncurrent loans to loans | 0.0462% | 3,389 |
| Net loans and leases to total assets | 59.0100% | 2,944 |
| Net loans and leases to deposits | 81.0498% | 2,024 |
| Net loans and leases to core deposits | 85.1963% | 2,365 |
| Total domestic deposits to total assets | 72.8000% | 4,179 |
| Equity capital to assets | 15.5066% | 507 |
| Core capital (leverage) ratio | 16.2925% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1488% | 528 |
| Memoranda: | ||
| Average total assets | $134,914,200 | 3,505 |
| Average earning assets | $124,523,600 | 3,498 |
| Average equity | $20,521,000 | 2,815 |
| Average total loans | $83,499,200 | 3,366 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 2,532 |
| Cost of funding earning assets | 1.1114% | 2,712 |
| Net interest margin | 3.5598% | 2,090 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 3.2807% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9952% | 2,375 |
| Return on assets (ROA) | 0.9952% | 2,363 |
| Pretax return on assets | 0.9562% | 2,967 |
| Return on Equity (ROE) | 6.5800% | 3,527 |
| Retained earnings to average equity (ytd only) | 0.5354% | 4,040 |
| Net charge-offs to loans | 0.0544% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 28.1176% | 1,627 |
| Efficiency ratio | 77.4315% | 1,056 |
| Assets per employee ($millions) | 5.9318% | 2,814 |
| Cash dividends to net income (ytd only)* | 91.8593% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 2,799 |
| Loan loss allowance to noncurrent loans | 3,324.1379% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,609 |
| Noncurrent loans to loans | 0.0335% | 3,529 |
| Net loans and leases to total assets | 62.7800% | 2,583 |
| Net loans and leases to deposits | 85.9697% | 1,580 |
| Net loans and leases to core deposits | 90.5180% | 1,898 |
| Total domestic deposits to total assets | 73.0200% | 4,215 |
| Equity capital to assets | 13.5452% | 716 |
| Core capital (leverage) ratio | 16.3435% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5779% | 586 |
| Memoranda: | ||
| Average total assets | $133,301,250 | 3,525 |
| Average earning assets | $122,849,500 | 3,520 |
| Average equity | $20,171,000 | 2,832 |
| Average total loans | $83,279,000 | 3,376 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 2,617 |
| Cost of funding earning assets | 0.9391% | 2,807 |
| Net interest margin | 3.5724% | 2,095 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 3.2044% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8967% | 2,762 |
| Return on assets (ROA) | 0.8967% | 2,750 |
| Pretax return on assets | 0.9572% | 3,026 |
| Return on Equity (ROE) | 5.7200% | 3,753 |
| Retained earnings to average equity (ytd only) | -0.9163% | 4,207 |
| Net charge-offs to loans | 0.0073% | 1,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 211.0000% | 580 |
| Efficiency ratio | 76.9985% | 1,095 |
| Assets per employee ($millions) | 5.7857% | 2,897 |
| Cash dividends to net income (ytd only)* | 116.0202% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 2,571 |
| Loan loss allowance to noncurrent loans | 12,437.5000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,809 |
| Noncurrent loans to loans | 0.0094% | 3,720 |
| Net loans and leases to total assets | 60.3400% | 2,743 |
| Net loans and leases to deposits | 82.2805% | 1,806 |
| Net loans and leases to core deposits | 85.9943% | 2,073 |
| Total domestic deposits to total assets | 73.3400% | 4,234 |
| Equity capital to assets | 14.8462% | 541 |
| Core capital (leverage) ratio | 16.6293% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2779% | 609 |
| Memoranda: | ||
| Average total assets | $132,257,667 | 3,549 |
| Average earning assets | $121,824,000 | 3,543 |
| Average equity | $20,734,667 | 2,798 |
| Average total loans | $82,167,667 | 3,388 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 2,554 |
| Cost of funding earning assets | 0.6788% | 3,127 |
| Net interest margin | 3.7181% | 1,858 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.3747% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8344% | 3,078 |
| Return on assets (ROA) | 0.8344% | 3,034 |
| Pretax return on assets | 0.9243% | 3,177 |
| Return on Equity (ROE) | 5.1700% | 3,862 |
| Retained earnings to average equity (ytd only) | 0.2308% | 3,984 |
| Net charge-offs to loans | 0.0297% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 1,101 |
| Efficiency ratio | 78.4993% | 954 |
| Assets per employee ($millions) | 6.0281% | 2,738 |
| Cash dividends to net income (ytd only)* | 95.5390% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,422 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 60.3300% | 2,614 |
| Net loans and leases to deposits | 77.1948% | 2,019 |
| Net loans and leases to core deposits | 80.4115% | 2,228 |
| Total domestic deposits to total assets | 78.1500% | 3,992 |
| Equity capital to assets | 15.8825% | 417 |
| Core capital (leverage) ratio | 17.6125% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4486% | 540 |
| Memoranda: | ||
| Average total assets | $128,958,000 | 3,627 |
| Average earning assets | $118,448,000 | 3,627 |
| Average equity | $20,794,500 | 2,819 |
| Average total loans | $80,858,000 | 3,438 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 2,055 |
| Cost of funding earning assets | 0.2575% | 3,265 |
| Net interest margin | 3.6148% | 1,603 |
| Noninterest income to average assets | 0.9600% | 695 |
| Noninterest expense to average assets | 3.3258% | 605 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.9628% | 2,709 |
| Return on assets (ROA) | 0.8777% | 2,990 |
| Pretax return on assets | 0.9754% | 3,145 |
| Return on Equity (ROE) | 5.3000% | 3,966 |
| Retained earnings to average equity (ytd only) | 0.2379% | 4,308 |
| Net charge-offs to loans | -0.0064% | 3,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.7491% | 864 |
| Assets per employee ($millions) | 5.4477% | 3,272 |
| Cash dividends to net income (ytd only)* | 95.5117% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,215 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.6200% | 2,278 |
| Net loans and leases to deposits | 77.6368% | 1,985 |
| Net loans and leases to core deposits | 78.0373% | 2,270 |
| Total domestic deposits to total assets | 81.9500% | 3,639 |
| Equity capital to assets | 16.3817% | 363 |
| Core capital (leverage) ratio | 17.6523% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0229% | 478 |
| Memoranda: | ||
| Average total assets | $126,917,800 | 3,663 |
| Average earning assets | $116,494,200 | 3,662 |
| Average equity | $21,019,400 | 2,855 |
| Average total loans | $78,476,200 | 3,434 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 1,932 |
| Cost of funding earning assets | 0.2060% | 3,202 |
| Net interest margin | 3.5327% | 1,570 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 3.2128% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8764% | 2,976 |
| Return on assets (ROA) | 0.8754% | 2,951 |
| Pretax return on assets | 0.9508% | 3,181 |
| Return on Equity (ROE) | 5.2700% | 3,932 |
| Retained earnings to average equity (ytd only) | -1.4378% | 4,455 |
| Net charge-offs to loans | -0.0086% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.1436% | 985 |
| Assets per employee ($millions) | 5.4675% | 3,257 |
| Cash dividends to net income (ytd only)* | 127.2727% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 1,533 |
| Loan loss allowance to noncurrent loans | 22,960.0000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,980 |
| Noncurrent loans to loans | 0.0062% | 3,910 |
| Net loans and leases to total assets | 63.1900% | 2,172 |
| Net loans and leases to deposits | 75.6884% | 1,904 |
| Net loans and leases to core deposits | 76.0593% | 2,189 |
| Total domestic deposits to total assets | 83.4900% | 3,605 |
| Equity capital to assets | 15.1974% | 440 |
| Core capital (leverage) ratio | 17.6609% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3876% | 805 |
| Memoranda: | ||
| Average total assets | $127,322,750 | 3,685 |
| Average earning assets | $116,508,000 | 3,692 |
| Average equity | $21,142,750 | 2,883 |
| Average total loans | $77,916,000 | 3,455 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6350% | 1,733 |
| Cost of funding earning assets | 0.1976% | 2,941 |
| Net interest margin | 3.4373% | 1,490 |
| Noninterest income to average assets | 0.9324% | 784 |
| Noninterest expense to average assets | 3.0787% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9089% | 2,546 |
| Return on assets (ROA) | 0.9089% | 2,516 |
| Pretax return on assets | 0.9824% | 2,788 |
| Return on Equity (ROE) | 5.3254% | 3,745 |
| Retained earnings to average equity (ytd only) | -2.1173% | 4,392 |
| Net charge-offs to loans | -0.0078% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8089% | 1,308 |
| Assets per employee ($millions) | 5.2500% | 3,476 |
| Cash dividends to net income (ytd only)* | 139.7590% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 58.6968% | 2,462 |
| Net loans and leases to deposits | 70.4429% | 2,156 |
| Net loans and leases to core deposits | 70.7807% | 2,426 |
| Total domestic deposits to total assets | 83.3254% | 3,813 |
| Equity capital to assets | 16.2222% | 318 |
| Core capital (leverage) ratio | 17.7263% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0937% | 702 |
| Memoranda: | ||
| Average total assets | $127,846,333 | 3,717 |
| Average earning assets | $116,369,333 | 3,744 |
| Average equity | $21,820,000 | 2,915 |
| Average total loans | $77,017,667 | 3,502 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 1,392 |
| Cost of funding earning assets | 0.2069% | 2,698 |
| Net interest margin | 3.4383% | 1,212 |
| Noninterest income to average assets | 0.9288% | 797 |
| Noninterest expense to average assets | 3.1156% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8232% | 2,581 |
| Return on assets (ROA) | 0.8232% | 2,576 |
| Pretax return on assets | 0.9102% | 2,735 |
| Return on Equity (ROE) | 4.7090% | 3,700 |
| Retained earnings to average equity (ytd only) | -0.8174% | 4,122 |
| Net charge-offs to loans | -0.0103% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3920% | 1,363 |
| Assets per employee ($millions) | 5.5140% | 3,306 |
| Cash dividends to net income (ytd only)* | 117.3585% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.9251% | 1,867 |
| Net loans and leases to deposits | 75.8058% | 1,468 |
| Net loans and leases to core deposits | 76.1660% | 1,772 |
| Total domestic deposits to total assets | 81.6892% | 4,116 |
| Equity capital to assets | 17.1107% | 262 |
| Core capital (leverage) ratio | 17.5685% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2812% | 717 |
| Memoranda: | ||
| Average total assets | $128,769,500 | 3,728 |
| Average earning assets | $115,986,500 | 3,768 |
| Average equity | $22,510,000 | 2,942 |
| Average total loans | $77,974,500 | 3,489 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 1,454 |
| Cost of funding earning assets | 0.2753% | 2,648 |
| Net interest margin | 3.6845% | 1,252 |
| Noninterest income to average assets | 1.5948% | 440 |
| Noninterest expense to average assets | 3.2462% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5287% | 961 |
| Return on assets (ROA) | 1.5287% | 996 |
| Pretax return on assets | 1.6538% | 1,261 |
| Return on Equity (ROE) | 8.4413% | 3,095 |
| Retained earnings to average equity (ytd only) | 2.6531% | 3,779 |
| Net charge-offs to loans | -0.0038% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2494% | 2,228 |
| Assets per employee ($millions) | 5.2287% | 3,534 |
| Cash dividends to net income (ytd only)* | 68.5700% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,561 |
| Loan loss allowance to noncurrent loans | 499.1266% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 2,708 |
| Noncurrent loans to loans | 0.3002% | 2,520 |
| Net loans and leases to total assets | 57.4726% | 2,431 |
| Net loans and leases to deposits | 70.9978% | 2,022 |
| Net loans and leases to core deposits | 71.2672% | 2,324 |
| Total domestic deposits to total assets | 80.9498% | 4,114 |
| Equity capital to assets | 17.8399% | 264 |
| Core capital (leverage) ratio | 17.5609% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2939% | 620 |
| Memoranda: | ||
| Average total assets | $127,164,800 | 3,718 |
| Average earning assets | $114,073,600 | 3,760 |
| Average equity | $23,029,600 | 2,983 |
| Average total loans | $79,539,200 | 3,488 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 1,278 |
| Cost of funding earning assets | 0.2874% | 2,719 |
| Net interest margin | 3.8254% | 1,069 |
| Noninterest income to average assets | 1.7453% | 416 |
| Noninterest expense to average assets | 3.3027% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7242% | 786 |
| Return on assets (ROA) | 1.7242% | 817 |
| Pretax return on assets | 1.8720% | 999 |
| Return on Equity (ROE) | 9.4842% | 2,939 |
| Retained earnings to average equity (ytd only) | 1.7423% | 4,260 |
| Net charge-offs to loans | -0.0033% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8237% | 2,413 |
| Assets per employee ($millions) | 5.6411% | 3,051 |
| Cash dividends to net income (ytd only)* | 81.6289% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,761 |
| Loan loss allowance to noncurrent loans | 499.1266% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,937 |
| Noncurrent loans to loans | 0.2936% | 2,740 |
| Net loans and leases to total assets | 59.2365% | 2,346 |
| Net loans and leases to deposits | 73.8271% | 1,873 |
| Net loans and leases to core deposits | 74.1033% | 2,230 |
| Total domestic deposits to total assets | 80.2368% | 4,195 |
| Equity capital to assets | 17.7485% | 287 |
| Core capital (leverage) ratio | 17.4971% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9188% | 699 |
| Memoranda: | ||
| Average total assets | $126,276,500 | 3,763 |
| Average earning assets | $113,204,000 | 3,808 |
| Average equity | $22,957,000 | 3,024 |
| Average total loans | $80,356,500 | 3,520 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3576% | 912 |
| Cost of funding earning assets | 0.2925% | 2,849 |
| Net interest margin | 4.0651% | 738 |
| Noninterest income to average assets | 1.4051% | 604 |
| Noninterest expense to average assets | 3.3520% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5857% | 1,079 |
| Return on assets (ROA) | 1.5857% | 1,137 |
| Pretax return on assets | 1.7184% | 1,436 |
| Return on Equity (ROE) | 8.6512% | 3,213 |
| Retained earnings to average equity (ytd only) | -0.4884% | 4,564 |
| Net charge-offs to loans | -0.0025% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1097% | 2,137 |
| Assets per employee ($millions) | 5.3121% | 3,337 |
| Cash dividends to net income (ytd only)* | 105.6452% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,058 |
| Loan loss allowance to noncurrent loans | 438.8462% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 2,931 |
| Noncurrent loans to loans | 0.3144% | 2,797 |
| Net loans and leases to total assets | 63.9716% | 1,953 |
| Net loans and leases to deposits | 80.2515% | 1,401 |
| Net loans and leases to core deposits | 80.4915% | 1,848 |
| Total domestic deposits to total assets | 79.7139% | 4,269 |
| Equity capital to assets | 17.8507% | 278 |
| Core capital (leverage) ratio | 17.5932% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6413% | 739 |
| Memoranda: | ||
| Average total assets | $125,120,000 | 3,795 |
| Average earning assets | $112,814,333 | 3,826 |
| Average equity | $22,933,333 | 3,016 |
| Average total loans | $81,142,000 | 3,529 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 612 |
| Cost of funding earning assets | 0.2954% | 3,046 |
| Net interest margin | 4.3453% | 475 |
| Noninterest income to average assets | 1.6719% | 504 |
| Noninterest expense to average assets | 3.3372% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1172% | 477 |
| Return on assets (ROA) | 2.1172% | 518 |
| Pretax return on assets | 2.2754% | 614 |
| Return on Equity (ROE) | 11.3983% | 2,226 |
| Retained earnings to average equity (ytd only) | 7.6278% | 2,368 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4595% | 3,094 |
| Assets per employee ($millions) | 5.1830% | 3,449 |
| Cash dividends to net income (ytd only)* | 33.0793% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 2,037 |
| Loan loss allowance to noncurrent loans | 421.8519% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 3,063 |
| Noncurrent loans to loans | 0.3279% | 2,924 |
| Net loans and leases to total assets | 65.2885% | 1,896 |
| Net loans and leases to deposits | 82.7589% | 1,268 |
| Net loans and leases to core deposits | 83.4615% | 1,720 |
| Total domestic deposits to total assets | 78.8900% | 4,344 |
| Equity capital to assets | 18.6251% | 236 |
| Core capital (leverage) ratio | 18.3135% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3626% | 637 |
| Memoranda: | ||
| Average total assets | $123,934,500 | 3,817 |
| Average earning assets | $112,397,000 | 3,836 |
| Average equity | $23,021,000 | 2,992 |
| Average total loans | $80,363,500 | 3,556 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 1,757 |
| Cost of funding earning assets | 0.4922% | 2,996 |
| Net interest margin | 3.8437% | 1,377 |
| Noninterest income to average assets | 2.3927% | 257 |
| Noninterest expense to average assets | 3.4017% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.3814% | 155 |
| Return on assets (ROA) | 2.3814% | 166 |
| Pretax return on assets | 2.5743% | 176 |
| Return on Equity (ROE) | 12.6110% | 1,148 |
| Retained earnings to average equity (ytd only) | 10.0796% | 568 |
| Net charge-offs to loans | -0.0037% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9226% | 3,868 |
| Assets per employee ($millions) | 5.1449% | 3,236 |
| Cash dividends to net income (ytd only)* | 20.0730% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,756 |
| Loan loss allowance to noncurrent loans | 230.7692% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 2,387 |
| Noncurrent loans to loans | 0.6303% | 2,117 |
| Net loans and leases to total assets | 62.5496% | 2,534 |
| Net loans and leases to deposits | 82.6529% | 1,586 |
| Net loans and leases to core deposits | 83.1226% | 2,114 |
| Total domestic deposits to total assets | 75.6774% | 4,528 |
| Equity capital to assets | 18.5248% | 243 |
| Core capital (leverage) ratio | 18.3208% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5963% | 620 |
| Memoranda: | ||
| Average total assets | $115,059,400 | 3,809 |
| Average earning assets | $107,265,400 | 3,809 |
| Average equity | $21,727,000 | 3,035 |
| Average total loans | $81,408,000 | 3,531 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 1,614 |
| Cost of funding earning assets | 0.5488% | 2,939 |
| Net interest margin | 3.9352% | 1,269 |
| Noninterest income to average assets | 2.5166% | 234 |
| Noninterest expense to average assets | 3.4149% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.5673% | 134 |
| Return on assets (ROA) | 2.5673% | 141 |
| Pretax return on assets | 2.7833% | 142 |
| Return on Equity (ROE) | 13.5256% | 970 |
| Retained earnings to average equity (ytd only) | 10.1054% | 740 |
| Net charge-offs to loans | 0.0016% | 3,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 2,358.0000% | 40 |
| Efficiency ratio | 55.0943% | 4,025 |
| Assets per employee ($millions) | 5.0420% | 3,195 |
| Cash dividends to net income (ytd only)* | 25.2874% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,781 |
| Loan loss allowance to noncurrent loans | 200.7067% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 2,320 |
| Noncurrent loans to loans | 0.6923% | 2,061 |
| Net loans and leases to total assets | 66.6253% | 2,437 |
| Net loans and leases to deposits | 88.0826% | 1,477 |
| Net loans and leases to core deposits | 88.5917% | 2,094 |
| Total domestic deposits to total assets | 75.6396% | 4,456 |
| Equity capital to assets | 18.3823% | 277 |
| Core capital (leverage) ratio | 18.2297% | 269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1139% | 663 |
| Memoranda: | ||
| Average total assets | $112,954,750 | 3,835 |
| Average earning assets | $105,676,250 | 3,826 |
| Average equity | $21,440,250 | 3,058 |
| Average total loans | $82,166,250 | 3,538 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 1,415 |
| Cost of funding earning assets | 0.6190% | 2,871 |
| Net interest margin | 4.0788% | 1,161 |
| Noninterest income to average assets | 2.6825% | 195 |
| Noninterest expense to average assets | 3.5422% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.7623% | 105 |
| Return on assets (ROA) | 2.7623% | 109 |
| Pretax return on assets | 2.9527% | 122 |
| Return on Equity (ROE) | 14.3867% | 809 |
| Retained earnings to average equity (ytd only) | 12.9981% | 351 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5378% | 4,111 |
| Assets per employee ($millions) | 4.9309% | 3,262 |
| Cash dividends to net income (ytd only)* | 9.6520% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 1,737 |
| Loan loss allowance to noncurrent loans | 142.8392% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 1,567 |
| Noncurrent loans to loans | 0.9498% | 1,629 |
| Net loans and leases to total assets | 69.8594% | 2,051 |
| Net loans and leases to deposits | 94.2873% | 933 |
| Net loans and leases to core deposits | 95.1566% | 1,649 |
| Total domestic deposits to total assets | 74.0920% | 4,591 |
| Equity capital to assets | 18.5572% | 261 |
| Core capital (leverage) ratio | 19.0237% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0237% | 670 |
| Memoranda: | ||
| Average total assets | $110,270,333 | 3,863 |
| Average earning assets | $103,069,333 | 3,854 |
| Average equity | $21,172,333 | 3,068 |
| Average total loans | $82,302,333 | 3,540 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 635 |
| Cost of funding earning assets | 0.6945% | 2,959 |
| Net interest margin | 4.5264% | 478 |
| Noninterest income to average assets | 2.3345% | 219 |
| Noninterest expense to average assets | 3.4753% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.8955% | 72 |
| Return on assets (ROA) | 2.8955% | 77 |
| Pretax return on assets | 3.0800% | 84 |
| Return on Equity (ROE) | 14.8041% | 574 |
| Retained earnings to average equity (ytd only) | 14.8041% | 205 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0155% | 4,465 |
| Assets per employee ($millions) | 4.3831% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,564 |
| Loan loss allowance to noncurrent loans | 113.3599% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 1,198 |
| Noncurrent loans to loans | 1.2663% | 1,290 |
| Net loans and leases to total assets | 74.2136% | 1,571 |
| Net loans and leases to deposits | 98.3534% | 674 |
| Net loans and leases to core deposits | 99.7037% | 1,498 |
| Total domestic deposits to total assets | 75.4561% | 4,540 |
| Equity capital to assets | 20.1521% | 238 |
| Core capital (leverage) ratio | 19.8665% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7945% | 662 |
| Memoranda: | ||
| Average total assets | $106,234,500 | 3,897 |
| Average earning assets | $99,064,000 | 3,889 |
| Average equity | $20,778,000 | 3,094 |
| Average total loans | $81,548,500 | 3,554 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 1,411 |
| Cost of funding earning assets | 0.7400% | 2,973 |
| Net interest margin | 4.2859% | 1,122 |
| Noninterest income to average assets | 1.4330% | 456 |
| Noninterest expense to average assets | 3.5561% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7915% | 528 |
| Return on assets (ROA) | 1.8015% | 550 |
| Pretax return on assets | 1.9011% | 741 |
| Return on Equity (ROE) | 9.4996% | 2,521 |
| Retained earnings to average equity (ytd only) | 4.4570% | 2,730 |
| Net charge-offs to loans | 0.0977% | 1,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 24.6875% | 1,764 |
| Efficiency ratio | 65.2900% | 2,878 |
| Assets per employee ($millions) | 4.4698% | 3,276 |
| Cash dividends to net income (ytd only)* | 53.0818% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,689 |
| Loan loss allowance to noncurrent loans | 114.8485% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 1,375 |
| Noncurrent loans to loans | 1.1801% | 1,280 |
| Net loans and leases to total assets | 77.1426% | 1,237 |
| Net loans and leases to deposits | 100.6140% | 560 |
| Net loans and leases to core deposits | 103.0483% | 1,308 |
| Total domestic deposits to total assets | 76.6719% | 4,524 |
| Equity capital to assets | 18.9766% | 300 |
| Core capital (leverage) ratio | 18.7056% | 292 |
| Tier 1 risk-based capital ratio | 19.3686% | 1,440 |
| Total risk-based capital ratio | 20.4690% | 1,437 |
| Memoranda: | ||
| Average total assets | $104,468,400 | 3,926 |
| Average earning assets | $97,832,200 | 3,916 |
| Average equity | $19,811,400 | 3,151 |
| Average total loans | $81,915,800 | 3,563 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9928% | 1,561 |
| Cost of funding earning assets | 0.7291% | 3,072 |
| Net interest margin | 4.2637% | 1,239 |
| Noninterest income to average assets | 1.4057% | 458 |
| Noninterest expense to average assets | 3.4679% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9402% | 447 |
| Return on assets (ROA) | 1.9402% | 464 |
| Pretax return on assets | 1.9428% | 784 |
| Return on Equity (ROE) | 10.2327% | 2,336 |
| Retained earnings to average equity (ytd only) | 5.1841% | 2,802 |
| Net charge-offs to loans | 0.1359% | 1,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 18.2175% | 2,060 |
| Efficiency ratio | 64.0940% | 2,995 |
| Assets per employee ($millions) | 4.3895% | 3,355 |
| Cash dividends to net income (ytd only)* | 49.3379% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 1,731 |
| Loan loss allowance to noncurrent loans | 111.0568% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 1,390 |
| Noncurrent loans to loans | 1.2223% | 1,282 |
| Net loans and leases to total assets | 78.2917% | 1,093 |
| Net loans and leases to deposits | 104.0876% | 408 |
| Net loans and leases to core deposits | 110.9410% | 901 |
| Total domestic deposits to total assets | 75.2171% | 4,724 |
| Equity capital to assets | 19.2421% | 291 |
| Core capital (leverage) ratio | 18.8580% | 299 |
| Tier 1 risk-based capital ratio | 19.6200% | 1,435 |
| Total risk-based capital ratio | 20.7367% | 1,434 |
| Memoranda: | ||
| Average total assets | $103,767,000 | 3,983 |
| Average earning assets | $97,471,500 | 3,950 |
| Average equity | $19,675,000 | 3,185 |
| Average total loans | $81,422,000 | 3,616 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 1,572 |
| Cost of funding earning assets | 0.7072% | 3,133 |
| Net interest margin | 4.2594% | 1,220 |
| Noninterest income to average assets | 1.3018% | 516 |
| Noninterest expense to average assets | 3.4618% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8384% | 553 |
| Return on assets (ROA) | 1.8384% | 578 |
| Pretax return on assets | 1.8423% | 947 |
| Return on Equity (ROE) | 9.7452% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.1897% | 3,154 |
| Net charge-offs to loans | 0.2231% | 754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 10.5667% | 2,258 |
| Efficiency ratio | 65.2666% | 2,928 |
| Assets per employee ($millions) | 4.2330% | 3,520 |
| Cash dividends to net income (ytd only)* | 57.0074% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3832% | 1,683 |
| Loan loss allowance to noncurrent loans | 288.9744% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 3,038 |
| Noncurrent loans to loans | 0.4787% | 2,843 |
| Net loans and leases to total assets | 75.9282% | 1,562 |
| Net loans and leases to deposits | 101.8352% | 551 |
| Net loans and leases to core deposits | 108.1120% | 1,097 |
| Total domestic deposits to total assets | 74.5599% | 4,794 |
| Equity capital to assets | 18.7309% | 311 |
| Core capital (leverage) ratio | 18.8717% | 288 |
| Tier 1 risk-based capital ratio | 19.8687% | 1,374 |
| Total risk-based capital ratio | 21.0121% | 1,363 |
| Memoranda: | ||
| Average total assets | $103,240,330 | 4,014 |
| Average earning assets | $97,008,330 | 3,989 |
| Average equity | $19,476,330 | 3,199 |
| Average total loans | $80,691,670 | 3,650 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 1,486 |
| Cost of funding earning assets | 0.6642% | 3,238 |
| Net interest margin | 4.2821% | 1,127 |
| Noninterest income to average assets | 1.1967% | 566 |
| Noninterest expense to average assets | 3.3743% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8402% | 518 |
| Return on assets (ROA) | 1.8402% | 529 |
| Pretax return on assets | 1.8441% | 884 |
| Return on Equity (ROE) | 9.7184% | 2,484 |
| Retained earnings to average equity (ytd only) | 5.7606% | 2,565 |
| Net charge-offs to loans | 0.4234% | 359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.5294% | 2,258 |
| Efficiency ratio | 64.6617% | 3,140 |
| Assets per employee ($millions) | 4.2820% | 3,509 |
| Cash dividends to net income (ytd only)* | 40.7249% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,634 |
| Loan loss allowance to noncurrent loans | 289.2583% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 3,064 |
| Noncurrent loans to loans | 0.4882% | 2,846 |
| Net loans and leases to total assets | 76.8389% | 1,340 |
| Net loans and leases to deposits | 103.5674% | 416 |
| Net loans and leases to core deposits | 111.5372% | 859 |
| Total domestic deposits to total assets | 74.1921% | 4,915 |
| Equity capital to assets | 18.9983% | 285 |
| Core capital (leverage) ratio | 19.3630% | 259 |
| Tier 1 risk-based capital ratio | 19.9711% | 1,345 |
| Total risk-based capital ratio | 21.1321% | 1,335 |
| Memoranda: | ||
| Average total assets | $101,948,000 | 4,071 |
| Average earning assets | $95,748,000 | 4,047 |
| Average equity | $19,303,500 | 3,222 |
| Average total loans | $80,298,500 | 3,686 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 1,307 |
| Cost of funding earning assets | 0.4504% | 3,677 |
| Net interest margin | 4.4433% | 853 |
| Noninterest income to average assets | 1.1331% | 718 |
| Noninterest expense to average assets | 3.6899% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5872% | 903 |
| Return on assets (ROA) | 1.5974% | 862 |
| Pretax return on assets | 1.6005% | 1,470 |
| Return on Equity (ROE) | 8.4212% | 3,259 |
| Retained earnings to average equity (ytd only) | 5.7956% | 2,296 |
| Net charge-offs to loans | 0.0665% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 29.9038% | 1,607 |
| Efficiency ratio | 69.8819% | 2,208 |
| Assets per employee ($millions) | 4.3969% | 3,313 |
| Cash dividends to net income (ytd only)* | 31.1780% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,258 |
| Loan loss allowance to noncurrent loans | 479.1339% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 3,590 |
| Noncurrent loans to loans | 0.3155% | 3,425 |
| Net loans and leases to total assets | 78.3989% | 1,200 |
| Net loans and leases to deposits | 103.6839% | 495 |
| Net loans and leases to core deposits | 110.0754% | 994 |
| Total domestic deposits to total assets | 75.6133% | 4,792 |
| Equity capital to assets | 18.8700% | 277 |
| Core capital (leverage) ratio | 19.2471% | 258 |
| Tier 1 risk-based capital ratio | 19.0935% | 1,505 |
| Total risk-based capital ratio | 20.3048% | 1,471 |
| Memoranda: | ||
| Average total assets | $97,781,000 | 4,138 |
| Average earning assets | $91,260,400 | 4,126 |
| Average equity | $18,548,400 | 3,237 |
| Average total loans | $78,209,000 | 3,701 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 1,336 |
| Cost of funding earning assets | 0.3993% | 3,865 |
| Net interest margin | 4.4337% | 840 |
| Noninterest income to average assets | 1.0975% | 781 |
| Noninterest expense to average assets | 3.5937% | 862 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6394% | 865 |
| Return on assets (ROA) | 1.6532% | 842 |
| Pretax return on assets | 1.6559% | 1,396 |
| Return on Equity (ROE) | 8.7030% | 3,239 |
| Retained earnings to average equity (ytd only) | 5.1769% | 3,130 |
| Net charge-offs to loans | 0.0945% | 1,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 21.7095% | 1,909 |
| Efficiency ratio | 68.6367% | 2,418 |
| Assets per employee ($millions) | 4.1633% | 3,623 |
| Cash dividends to net income (ytd only)* | 40.5159% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,346 |
| Loan loss allowance to noncurrent loans | 485.6000% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,710 |
| Noncurrent loans to loans | 0.3087% | 3,566 |
| Net loans and leases to total assets | 79.8327% | 1,046 |
| Net loans and leases to deposits | 107.1172% | 391 |
| Net loans and leases to core deposits | 113.1862% | 859 |
| Total domestic deposits to total assets | 74.5284% | 4,933 |
| Equity capital to assets | 18.6181% | 289 |
| Core capital (leverage) ratio | 19.1429% | 267 |
| Tier 1 risk-based capital ratio | 19.1017% | 1,514 |
| Total risk-based capital ratio | 20.3337% | 1,487 |
| Memoranda: | ||
| Average total assets | $96,944,000 | 4,195 |
| Average earning assets | $90,485,500 | 4,179 |
| Average equity | $18,414,750 | 3,266 |
| Average total loans | $77,636,000 | 3,744 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,316 |
| Cost of funding earning assets | 0.3613% | 4,001 |
| Net interest margin | 4.4133% | 827 |
| Noninterest income to average assets | 1.0672% | 848 |
| Noninterest expense to average assets | 3.6643% | 807 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5258% | 1,088 |
| Return on assets (ROA) | 1.5258% | 1,088 |
| Pretax return on assets | 1.5278% | 1,718 |
| Return on Equity (ROE) | 7.9773% | 3,517 |
| Retained earnings to average equity (ytd only) | 4.4246% | 3,387 |
| Net charge-offs to loans | -0.1516% | 5,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5741% | 2,229 |
| Assets per employee ($millions) | 4.0533% | 3,809 |
| Cash dividends to net income (ytd only)* | 44.5355% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 927 |
| Loan loss allowance to noncurrent loans | 95.4676% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5450% | 852 |
| Noncurrent loans to loans | 1.7645% | 894 |
| Net loans and leases to total assets | 79.6133% | 1,079 |
| Net loans and leases to deposits | 105.7456% | 452 |
| Net loans and leases to core deposits | 107.7583% | 1,131 |
| Total domestic deposits to total assets | 75.2876% | 4,927 |
| Equity capital to assets | 18.9352% | 270 |
| Core capital (leverage) ratio | 19.3685% | 250 |
| Tier 1 risk-based capital ratio | 19.3166% | 1,473 |
| Total risk-based capital ratio | 20.5676% | 1,432 |
| Memoranda: | ||
| Average total assets | $95,952,330 | 4,247 |
| Average earning assets | $89,682,670 | 4,230 |
| Average equity | $18,352,000 | 3,296 |
| Average total loans | $76,520,670 | 3,791 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 1,387 |
| Cost of funding earning assets | 0.3198% | 4,198 |
| Net interest margin | 4.3472% | 864 |
| Noninterest income to average assets | 1.1208% | 744 |
| Noninterest expense to average assets | 3.6311% | 836 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5406% | 979 |
| Return on assets (ROA) | 1.5406% | 987 |
| Pretax return on assets | 1.5406% | 1,565 |
| Return on Equity (ROE) | 8.0140% | 3,361 |
| Retained earnings to average equity (ytd only) | 8.0140% | 1,828 |
| Net charge-offs to loans | -0.3077% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2110% | 2,455 |
| Assets per employee ($millions) | 4.2225% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 851 |
| Loan loss allowance to noncurrent loans | 96.5091% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6126% | 837 |
| Noncurrent loans to loans | 1.8232% | 912 |
| Net loans and leases to total assets | 79.7567% | 970 |
| Net loans and leases to deposits | 106.0125% | 381 |
| Net loans and leases to core deposits | 108.1164% | 1,114 |
| Total domestic deposits to total assets | 75.2333% | 5,046 |
| Equity capital to assets | 19.8105% | 221 |
| Core capital (leverage) ratio | 19.6802% | 227 |
| Tier 1 risk-based capital ratio | 24.6117% | 783 |
| Total risk-based capital ratio | 25.8679% | 766 |
| Memoranda: | ||
| Average total assets | $95,289,000 | 4,298 |
| Average earning assets | $88,793,000 | 4,287 |
| Average equity | $18,318,000 | 3,325 |
| Average total loans | $75,394,000 | 3,853 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 1,251 |
| Cost of funding earning assets | 0.3273% | 3,900 |
| Net interest margin | 4.3507% | 861 |
| Noninterest income to average assets | 1.2542% | 676 |
| Noninterest expense to average assets | 3.4755% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8386% | 382 |
| Return on assets (ROA) | 1.8345% | 395 |
| Pretax return on assets | 1.8386% | 715 |
| Return on Equity (ROE) | 9.8129% | 1,971 |
| Retained earnings to average equity (ytd only) | 2.9872% | 3,511 |
| Net charge-offs to loans | -0.0120% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3500% | 3,374 |
| Assets per employee ($millions) | 4.2471% | 3,581 |
| Cash dividends to net income (ytd only)* | 69.5578% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 971 |
| Loan loss allowance to noncurrent loans | 90.2560% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 953 |
| Noncurrent loans to loans | 1.8654% | 847 |
| Net loans and leases to total assets | 75.8597% | 1,624 |
| Net loans and leases to deposits | 98.8145% | 837 |
| Net loans and leases to core deposits | 100.9991% | 1,633 |
| Total domestic deposits to total assets | 76.7698% | 4,887 |
| Equity capital to assets | 18.6655% | 267 |
| Core capital (leverage) ratio | 18.3605% | 272 |
| Tier 1 risk-based capital ratio | 23.8230% | 830 |
| Total risk-based capital ratio | 25.0781% | 813 |
| Memoranda: | ||
| Average total assets | $96,158,000 | 4,311 |
| Average earning assets | $89,824,400 | 4,291 |
| Average equity | $17,976,400 | 3,365 |
| Average total loans | $74,999,000 | 3,848 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6594% | 1,229 |
| Cost of funding earning assets | 0.3275% | 3,869 |
| Net interest margin | 4.3319% | 849 |
| Noninterest income to average assets | 1.3086% | 622 |
| Noninterest expense to average assets | 3.4426% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9127% | 376 |
| Return on assets (ROA) | 1.9072% | 388 |
| Pretax return on assets | 1.9113% | 666 |
| Return on Equity (ROE) | 10.1976% | 2,037 |
| Retained earnings to average equity (ytd only) | 3.1114% | 4,063 |
| Net charge-offs to loans | -0.0071% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2338% | 3,498 |
| Assets per employee ($millions) | 4.3210% | 3,436 |
| Cash dividends to net income (ytd only)* | 69.4890% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 1,156 |
| Loan loss allowance to noncurrent loans | 105.1581% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 1,324 |
| Noncurrent loans to loans | 1.5604% | 1,195 |
| Net loans and leases to total assets | 76.2371% | 1,549 |
| Net loans and leases to deposits | 99.0470% | 815 |
| Net loans and leases to core deposits | 103.2403% | 1,449 |
| Total domestic deposits to total assets | 76.9707% | 4,902 |
| Equity capital to assets | 18.2840% | 312 |
| Core capital (leverage) ratio | 18.2786% | 288 |
| Tier 1 risk-based capital ratio | 23.1976% | 930 |
| Total risk-based capital ratio | 24.4522% | 911 |
| Memoranda: | ||
| Average total assets | $95,776,750 | 4,357 |
| Average earning assets | $89,565,250 | 4,341 |
| Average equity | $17,912,250 | 3,408 |
| Average total loans | $74,906,000 | 3,879 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 1,181 |
| Cost of funding earning assets | 0.3306% | 3,785 |
| Net interest margin | 4.3074% | 841 |
| Noninterest income to average assets | 1.3682% | 572 |
| Noninterest expense to average assets | 3.4259% | 1,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9603% | 328 |
| Return on assets (ROA) | 1.9603% | 337 |
| Pretax return on assets | 1.9646% | 567 |
| Return on Equity (ROE) | 10.4005% | 1,883 |
| Retained earnings to average equity (ytd only) | 2.5132% | 4,182 |
| Net charge-offs to loans | -0.0054% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5543% | 3,750 |
| Assets per employee ($millions) | 4.3125% | 3,411 |
| Cash dividends to net income (ytd only)* | 75.8360% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 1,109 |
| Loan loss allowance to noncurrent loans | 102.8525% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3154% | 1,249 |
| Noncurrent loans to loans | 1.6255% | 1,133 |
| Net loans and leases to total assets | 78.2295% | 1,213 |
| Net loans and leases to deposits | 102.4035% | 588 |
| Net loans and leases to core deposits | 106.9899% | 1,161 |
| Total domestic deposits to total assets | 76.3934% | 5,043 |
| Equity capital to assets | 18.9542% | 263 |
| Core capital (leverage) ratio | 19.0457% | 238 |
| Tier 1 risk-based capital ratio | 23.4060% | 905 |
| Total risk-based capital ratio | 24.6607% | 889 |
| Memoranda: | ||
| Average total assets | $94,575,000 | 4,401 |
| Average earning assets | $88,312,330 | 4,394 |
| Average equity | $17,826,000 | 3,425 |
| Average total loans | $74,198,000 | 3,917 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 1,039 |
| Cost of funding earning assets | 0.3324% | 3,727 |
| Net interest margin | 4.3126% | 761 |
| Noninterest income to average assets | 1.4234% | 528 |
| Noninterest expense to average assets | 3.4186% | 1,161 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0122% | 297 |
| Return on assets (ROA) | 2.0122% | 306 |
| Pretax return on assets | 2.0164% | 492 |
| Return on Equity (ROE) | 10.7057% | 1,668 |
| Retained earnings to average equity (ytd only) | 5.0711% | 2,848 |
| Net charge-offs to loans | -0.0054% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8995% | 4,006 |
| Assets per employee ($millions) | 4.1958% | 3,670 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 1,062 |
| Loan loss allowance to noncurrent loans | 104.1254% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 992 |
| Noncurrent loans to loans | 1.6777% | 1,148 |
| Net loans and leases to total assets | 76.8926% | 1,277 |
| Net loans and leases to deposits | 102.7743% | 458 |
| Net loans and leases to core deposits | 108.4412% | 952 |
| Total domestic deposits to total assets | 74.8169% | 5,347 |
| Equity capital to assets | 19.3819% | 229 |
| Core capital (leverage) ratio | 18.8716% | 241 |
| Tier 1 risk-based capital ratio | 24.3621% | 833 |
| Total risk-based capital ratio | 25.6174% | 811 |
| Memoranda: | ||
| Average total assets | $94,424,500 | 4,453 |
| Average earning assets | $87,836,500 | 4,446 |
| Average equity | $17,747,500 | 3,443 |
| Average total loans | $73,555,500 | 3,960 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 867 |
| Cost of funding earning assets | 0.3140% | 3,909 |
| Net interest margin | 4.4992% | 624 |
| Noninterest income to average assets | 1.4385% | 560 |
| Noninterest expense to average assets | 3.2975% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3591% | 181 |
| Return on assets (ROA) | 2.3644% | 182 |
| Pretax return on assets | 2.3675% | 245 |
| Return on Equity (ROE) | 13.2409% | 940 |
| Retained earnings to average equity (ytd only) | 8.1970% | 789 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2623% | 4,819 |
| Assets per employee ($millions) | 4.3882% | 3,298 |
| Cash dividends to net income (ytd only)* | 38.0931% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 1,179 |
| Loan loss allowance to noncurrent loans | 125.8741% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 1,164 |
| Noncurrent loans to loans | 1.3370% | 1,536 |
| Net loans and leases to total assets | 76.2484% | 1,472 |
| Net loans and leases to deposits | 102.9366% | 471 |
| Net loans and leases to core deposits | 108.0037% | 1,020 |
| Total domestic deposits to total assets | 74.0732% | 5,439 |
| Equity capital to assets | 18.2347% | 289 |
| Core capital (leverage) ratio | 18.3261% | 267 |
| Tier 1 risk-based capital ratio | 23.2445% | 942 |
| Total risk-based capital ratio | 24.4984% | 927 |
| Memoranda: | ||
| Average total assets | $95,374,000 | 4,442 |
| Average earning assets | $89,483,200 | 4,399 |
| Average equity | $17,030,600 | 3,551 |
| Average total loans | $75,582,800 | 3,910 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 947 |
| Cost of funding earning assets | 0.3115% | 3,959 |
| Net interest margin | 4.4634% | 684 |
| Noninterest income to average assets | 1.3490% | 648 |
| Noninterest expense to average assets | 3.2294% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.3165% | 205 |
| Return on assets (ROA) | 2.3235% | 216 |
| Pretax return on assets | 2.3264% | 301 |
| Return on Equity (ROE) | 13.0825% | 1,027 |
| Retained earnings to average equity (ytd only) | 6.3004% | 2,008 |
| Net charge-offs to loans | 0.0211% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 137.8300% | 500 |
| Efficiency ratio | 58.2007% | 4,788 |
| Assets per employee ($millions) | 4.1294% | 3,736 |
| Cash dividends to net income (ytd only)* | 51.8404% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 1,395 |
| Loan loss allowance to noncurrent loans | 624.0000% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 4,592 |
| Noncurrent loans to loans | 0.2605% | 4,330 |
| Net loans and leases to total assets | 79.5075% | 962 |
| Net loans and leases to deposits | 109.8754% | 262 |
| Net loans and leases to core deposits | 116.7974% | 623 |
| Total domestic deposits to total assets | 72.3614% | 5,577 |
| Equity capital to assets | 18.2267% | 324 |
| Core capital (leverage) ratio | 18.0153% | 303 |
| Tier 1 risk-based capital ratio | 22.2240% | 1,109 |
| Total risk-based capital ratio | 23.4779% | 1,090 |
| Memoranda: | ||
| Average total assets | $95,082,250 | 4,480 |
| Average earning assets | $89,467,000 | 4,438 |
| Average equity | $16,887,250 | 3,597 |
| Average total loans | $75,760,750 | 3,936 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 975 |
| Cost of funding earning assets | 0.3057% | 4,059 |
| Net interest margin | 4.4317% | 712 |
| Noninterest income to average assets | 1.2322% | 747 |
| Noninterest expense to average assets | 3.2129% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1931% | 228 |
| Return on assets (ROA) | 2.1931% | 241 |
| Pretax return on assets | 2.1952% | 384 |
| Return on Equity (ROE) | 12.4567% | 1,169 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,824 |
| Net charge-offs to loans | -0.0133% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4090% | 4,725 |
| Assets per employee ($millions) | 3.9458% | 4,003 |
| Cash dividends to net income (ytd only)* | 61.0738% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 1,318 |
| Loan loss allowance to noncurrent loans | 590.6542% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 4,592 |
| Noncurrent loans to loans | 0.2844% | 4,355 |
| Net loans and leases to total assets | 78.1180% | 1,184 |
| Net loans and leases to deposits | 104.3281% | 446 |
| Net loans and leases to core deposits | 111.4313% | 851 |
| Total domestic deposits to total assets | 74.8772% | 5,427 |
| Equity capital to assets | 17.9569% | 346 |
| Core capital (leverage) ratio | 17.6449% | 320 |
| Tier 1 risk-based capital ratio | 22.4529% | 1,083 |
| Total risk-based capital ratio | 23.7079% | 1,068 |
| Memoranda: | ||
| Average total assets | $95,117,670 | 4,514 |
| Average earning assets | $89,627,330 | 4,469 |
| Average equity | $16,746,000 | 3,621 |
| Average total loans | $75,427,330 | 3,965 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 1,008 |
| Cost of funding earning assets | 0.3075% | 4,085 |
| Net interest margin | 4.4113% | 721 |
| Noninterest income to average assets | 1.1875% | 781 |
| Noninterest expense to average assets | 3.1764% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1652% | 243 |
| Return on assets (ROA) | 2.1652% | 256 |
| Pretax return on assets | 2.1652% | 407 |
| Return on Equity (ROE) | 12.4214% | 1,178 |
| Retained earnings to average equity (ytd only) | 5.7292% | 2,508 |
| Net charge-offs to loans | -0.0106% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4658% | 4,815 |
| Assets per employee ($millions) | 4.0821% | 3,804 |
| Cash dividends to net income (ytd only)* | 53.8760% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 1,436 |
| Loan loss allowance to noncurrent loans | 589.7196% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 4,643 |
| Noncurrent loans to loans | 0.2826% | 4,420 |
| Net loans and leases to total assets | 79.3203% | 908 |
| Net loans and leases to deposits | 105.7675% | 348 |
| Net loans and leases to core deposits | 113.0108% | 711 |
| Total domestic deposits to total assets | 74.9949% | 5,523 |
| Equity capital to assets | 17.8328% | 340 |
| Core capital (leverage) ratio | 17.5560% | 330 |
| Tier 1 risk-based capital ratio | 21.9804% | 1,161 |
| Total risk-based capital ratio | 23.2349% | 1,138 |
| Memoranda: | ||
| Average total assets | $95,327,000 | 4,548 |
| Average earning assets | $89,769,500 | 4,507 |
| Average equity | $16,616,500 | 3,642 |
| Average total loans | $75,520,500 | 3,985 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 868 |
| Cost of funding earning assets | 0.3017% | 4,230 |
| Net interest margin | 4.5350% | 614 |
| Noninterest income to average assets | 1.2418% | 777 |
| Noninterest expense to average assets | 3.2145% | 1,934 |
| Loan and lease loss provision to assets | 0.0427% | 3,480 |
| Net operating income to assets | 2.2148% | 246 |
| Return on assets (ROA) | 2.2159% | 252 |
| Pretax return on assets | 2.2191% | 331 |
| Return on Equity (ROE) | 13.1994% | 1,011 |
| Retained earnings to average equity (ytd only) | 7.8484% | 961 |
| Net charge-offs to loans | 0.0513% | 3,174 |
| Credit loss provision to net charge-offs | 105.2632% | 2,385 |
| Earnings coverage of net charge-offs (x) | 55.7632% | 929 |
| Efficiency ratio | 58.7101% | 5,062 |
| Assets per employee ($millions) | 4.2072% | 3,555 |
| Cash dividends to net income (ytd only)* | 40.5392% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 1,409 |
| Loan loss allowance to noncurrent loans | 480.9160% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 4,507 |
| Noncurrent loans to loans | 0.3479% | 4,220 |
| Net loans and leases to total assets | 76.5215% | 1,329 |
| Net loans and leases to deposits | 99.4226% | 722 |
| Net loans and leases to core deposits | 107.1329% | 1,038 |
| Total domestic deposits to total assets | 76.9658% | 5,319 |
| Equity capital to assets | 17.0413% | 408 |
| Core capital (leverage) ratio | 16.8781% | 378 |
| Tier 1 risk-based capital ratio | 21.7333% | 1,183 |
| Total risk-based capital ratio | 22.9878% | 1,160 |
| Memoranda: | ||
| Average total assets | $93,732,200 | 4,585 |
| Average earning assets | $87,497,800 | 4,547 |
| Average equity | $15,735,600 | 3,723 |
| Average total loans | $74,129,200 | 3,994 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 965 |
| Cost of funding earning assets | 0.2983% | 4,361 |
| Net interest margin | 4.4830% | 676 |
| Noninterest income to average assets | 1.2763% | 731 |
| Noninterest expense to average assets | 3.2338% | 1,874 |
| Loan and lease loss provision to assets | 0.0574% | 3,039 |
| Net operating income to assets | 2.1626% | 276 |
| Return on assets (ROA) | 2.1640% | 289 |
| Pretax return on assets | 2.1683% | 445 |
| Return on Equity (ROE) | 12.9411% | 1,136 |
| Retained earnings to average equity (ytd only) | 5.7201% | 2,426 |
| Net charge-offs to loans | 0.0018% | 4,121 |
| Credit loss provision to net charge-offs | 4,000.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 1,554.8496% | 46 |
| Efficiency ratio | 59.2486% | 4,973 |
| Assets per employee ($millions) | 4.1503% | 3,619 |
| Cash dividends to net income (ytd only)* | 55.7986% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 1,412 |
| Loan loss allowance to noncurrent loans | 74.1567% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 1,157 |
| Noncurrent loans to loans | 2.3287% | 908 |
| Net loans and leases to total assets | 77.3207% | 1,205 |
| Net loans and leases to deposits | 102.2045% | 536 |
| Net loans and leases to core deposits | 109.9364% | 879 |
| Total domestic deposits to total assets | 75.6529% | 5,544 |
| Equity capital to assets | 16.6630% | 473 |
| Core capital (leverage) ratio | 16.6677% | 408 |
| Tier 1 risk-based capital ratio | 20.4218% | 1,450 |
| Total risk-based capital ratio | 21.6761% | 1,418 |
| Memoranda: | ||
| Average total assets | $92,974,000 | 4,651 |
| Average earning assets | $86,725,500 | 4,614 |
| Average equity | $15,547,000 | 3,793 |
| Average total loans | $73,835,000 | 4,037 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 912 |
| Cost of funding earning assets | 0.2996% | 4,402 |
| Net interest margin | 4.4886% | 657 |
| Noninterest income to average assets | 1.2893% | 736 |
| Noninterest expense to average assets | 3.2644% | 1,807 |
| Loan and lease loss provision to assets | 0.0868% | 2,372 |
| Net operating income to assets | 2.1292% | 298 |
| Return on assets (ROA) | 2.1314% | 311 |
| Pretax return on assets | 2.1357% | 464 |
| Return on Equity (ROE) | 12.7307% | 1,174 |
| Retained earnings to average equity (ytd only) | 4.2522% | 3,323 |
| Net charge-offs to loans | -0.0054% | 4,760 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5172% | 5,046 |
| Assets per employee ($millions) | 4.4141% | 3,121 |
| Cash dividends to net income (ytd only)* | 66.5988% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 1,464 |
| Loan loss allowance to noncurrent loans | 73.6127% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.9051% | 1,188 |
| Noncurrent loans to loans | 2.3928% | 961 |
| Net loans and leases to total assets | 78.2183% | 1,043 |
| Net loans and leases to deposits | 101.5064% | 570 |
| Net loans and leases to core deposits | 109.2781% | 875 |
| Total domestic deposits to total assets | 77.0575% | 5,449 |
| Equity capital to assets | 16.7136% | 446 |
| Core capital (leverage) ratio | 16.6041% | 401 |
| Tier 1 risk-based capital ratio | 20.5350% | 1,445 |
| Total risk-based capital ratio | 21.7907% | 1,421 |
| Memoranda: | ||
| Average total assets | $92,146,330 | 4,722 |
| Average earning assets | $86,129,000 | 4,676 |
| Average equity | $15,427,330 | 3,826 |
| Average total loans | $73,411,670 | 4,074 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 891 |
| Cost of funding earning assets | 0.2890% | 4,560 |
| Net interest margin | 4.4936% | 608 |
| Noninterest income to average assets | 1.4890% | 546 |
| Noninterest expense to average assets | 3.3569% | 1,588 |
| Loan and lease loss provision to assets | 0.1306% | 1,586 |
| Net operating income to assets | 2.1944% | 232 |
| Return on assets (ROA) | 2.1944% | 248 |
| Pretax return on assets | 2.1987% | 390 |
| Return on Equity (ROE) | 13.0956% | 1,064 |
| Retained earnings to average equity (ytd only) | 6.2620% | 2,348 |
| Net charge-offs to loans | 0.0109% | 2,971 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 267.5000% | 217 |
| Efficiency ratio | 59.0352% | 5,221 |
| Assets per employee ($millions) | 4.3834% | 3,228 |
| Cash dividends to net income (ytd only)* | 52.1825% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 1,619 |
| Loan loss allowance to noncurrent loans | 61.8864% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 2.2574% | 1,005 |
| Noncurrent loans to loans | 2.8208% | 810 |
| Net loans and leases to total assets | 78.6303% | 848 |
| Net loans and leases to deposits | 103.2687% | 401 |
| Net loans and leases to core deposits | 111.3282% | 692 |
| Total domestic deposits to total assets | 76.1415% | 5,725 |
| Equity capital to assets | 16.8776% | 444 |
| Core capital (leverage) ratio | 16.5385% | 413 |
| Tier 1 risk-based capital ratio | 20.5984% | 1,507 |
| Total risk-based capital ratio | 21.8543% | 1,468 |
| Memoranda: | ||
| Average total assets | $91,871,000 | 4,770 |
| Average earning assets | $85,811,500 | 4,725 |
| Average equity | $15,394,500 | 3,856 |
| Average total loans | $73,214,500 | 4,097 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 1,195 |
| Cost of funding earning assets | 0.3123% | 4,659 |
| Net interest margin | 4.4444% | 824 |
| Noninterest income to average assets | 0.9728% | 1,276 |
| Noninterest expense to average assets | 3.3328% | 1,843 |
| Loan and lease loss provision to assets | -0.0277% | 5,956 |
| Net operating income to assets | 1.7927% | 484 |
| Return on assets (ROA) | 1.7905% | 499 |
| Pretax return on assets | 1.7960% | 799 |
| Return on Equity (ROE) | 10.9085% | 1,747 |
| Retained earnings to average equity (ytd only) | 3.7869% | 3,530 |
| Net charge-offs to loans | -0.0482% | 5,925 |
| Credit loss provision to net charge-offs | 73.5294% | 2,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3061% | 4,359 |
| Assets per employee ($millions) | 4.1737% | 3,587 |
| Cash dividends to net income (ytd only)* | 65.2847% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 2,254 |
| Loan loss allowance to noncurrent loans | 49.6697% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 2.6846% | 828 |
| Noncurrent loans to loans | 3.1211% | 712 |
| Net loans and leases to total assets | 78.0159% | 998 |
| Net loans and leases to deposits | 98.5825% | 715 |
| Net loans and leases to core deposits | 105.9815% | 1,024 |
| Total domestic deposits to total assets | 79.1377% | 5,223 |
| Equity capital to assets | 16.7543% | 444 |
| Core capital (leverage) ratio | 16.5543% | 407 |
| Tier 1 risk-based capital ratio | 18.6799% | 1,938 |
| Total risk-based capital ratio | 19.8364% | 1,932 |
| Memoranda: | ||
| Average total assets | $90,254,400 | 4,831 |
| Average earning assets | $83,881,400 | 4,795 |
| Average equity | $14,814,200 | 3,875 |
| Average total loans | $70,521,600 | 4,169 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 1,205 |
| Cost of funding earning assets | 0.3211% | 4,658 |
| Net interest margin | 4.4224% | 859 |
| Noninterest income to average assets | 0.9570% | 1,346 |
| Noninterest expense to average assets | 3.3383% | 1,822 |
| Loan and lease loss provision to assets | 0.2671% | 792 |
| Net operating income to assets | 1.4525% | 1,022 |
| Return on assets (ROA) | 1.4496% | 1,063 |
| Pretax return on assets | 1.4555% | 1,791 |
| Return on Equity (ROE) | 8.8785% | 2,748 |
| Retained earnings to average equity (ytd only) | -0.7179% | 5,916 |
| Net charge-offs to loans | -0.0038% | 5,260 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9244% | 4,223 |
| Assets per employee ($millions) | 3.9070% | 4,074 |
| Cash dividends to net income (ytd only)* | 108.0859% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8096% | 1,672 |
| Loan loss allowance to noncurrent loans | 56.6696% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 2.6085% | 987 |
| Noncurrent loans to loans | 3.1932% | 795 |
| Net loans and leases to total assets | 78.5010% | 900 |
| Net loans and leases to deposits | 97.2443% | 776 |
| Net loans and leases to core deposits | 104.5486% | 1,069 |
| Total domestic deposits to total assets | 80.7256% | 4,911 |
| Equity capital to assets | 16.4233% | 502 |
| Core capital (leverage) ratio | 15.9541% | 485 |
| Tier 1 risk-based capital ratio | 18.3768% | 2,095 |
| Total risk-based capital ratio | 19.5182% | 2,092 |
| Memoranda: | ||
| Average total assets | $89,862,750 | 4,896 |
| Average earning assets | $83,451,500 | 4,858 |
| Average equity | $14,671,750 | 3,916 |
| Average total loans | $69,961,250 | 4,222 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 1,289 |
| Cost of funding earning assets | 0.3270% | 4,676 |
| Net interest margin | 4.3685% | 902 |
| Noninterest income to average assets | 0.9303% | 1,393 |
| Noninterest expense to average assets | 3.2828% | 1,962 |
| Loan and lease loss provision to assets | 0.2671% | 781 |
| Net operating income to assets | 1.4177% | 1,026 |
| Return on assets (ROA) | 1.4133% | 1,073 |
| Pretax return on assets | 1.4199% | 1,818 |
| Return on Equity (ROE) | 8.6731% | 2,742 |
| Retained earnings to average equity (ytd only) | -3.1141% | 6,107 |
| Net charge-offs to loans | -0.0173% | 5,494 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9955% | 4,370 |
| Assets per employee ($millions) | 4.1141% | 3,619 |
| Cash dividends to net income (ytd only)* | 135.9055% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7379% | 2,011 |
| Loan loss allowance to noncurrent loans | 53.7830% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.6108% | 1,038 |
| Noncurrent loans to loans | 3.2313% | 873 |
| Net loans and leases to total assets | 77.7130% | 945 |
| Net loans and leases to deposits | 95.5238% | 836 |
| Net loans and leases to core deposits | 102.7702% | 1,095 |
| Total domestic deposits to total assets | 81.3545% | 4,857 |
| Equity capital to assets | 16.1286% | 529 |
| Core capital (leverage) ratio | 16.1035% | 464 |
| Tier 1 risk-based capital ratio | 16.5023% | 2,829 |
| Total risk-based capital ratio | 17.5336% | 2,886 |
| Memoranda: | ||
| Average total assets | $89,863,670 | 4,935 |
| Average earning assets | $83,186,330 | 4,896 |
| Average equity | $14,643,000 | 3,919 |
| Average total loans | $69,334,670 | 4,255 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 1,388 |
| Cost of funding earning assets | 0.3432% | 4,608 |
| Net interest margin | 4.3022% | 991 |
| Noninterest income to average assets | 0.9515% | 1,254 |
| Noninterest expense to average assets | 3.3192% | 1,903 |
| Loan and lease loss provision to assets | 0.2680% | 778 |
| Net operating income to assets | 1.3357% | 1,132 |
| Return on assets (ROA) | 1.3268% | 1,194 |
| Pretax return on assets | 1.3312% | 1,992 |
| Return on Equity (ROE) | 8.1006% | 2,880 |
| Retained earnings to average equity (ytd only) | -0.3818% | 5,622 |
| Net charge-offs to loans | -0.0059% | 4,861 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3617% | 4,304 |
| Assets per employee ($millions) | 3.8361% | 4,260 |
| Cash dividends to net income (ytd only)* | 104.7138% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7556% | 2,172 |
| Loan loss allowance to noncurrent loans | 50.2343% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.7303% | 1,112 |
| Noncurrent loans to loans | 3.4948% | 835 |
| Net loans and leases to total assets | 74.7776% | 1,156 |
| Net loans and leases to deposits | 93.2063% | 857 |
| Net loans and leases to core deposits | 98.9561% | 1,179 |
| Total domestic deposits to total assets | 80.2280% | 5,444 |
| Equity capital to assets | 16.6744% | 435 |
| Core capital (leverage) ratio | 16.3647% | 435 |
| Tier 1 risk-based capital ratio | 17.2436% | 2,576 |
| Total risk-based capital ratio | 18.2677% | 2,636 |
| Memoranda: | ||
| Average total assets | $89,540,500 | 4,982 |
| Average earning assets | $82,748,500 | 4,949 |
| Average equity | $14,665,500 | 3,919 |
| Average total loans | $68,211,000 | 4,321 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0889% | 777 |
| Cost of funding earning assets | 0.4051% | 4,593 |
| Net interest margin | 4.6838% | 526 |
| Noninterest income to average assets | 1.0882% | 1,191 |
| Noninterest expense to average assets | 3.2827% | 2,189 |
| Loan and lease loss provision to assets | 0.2701% | 1,307 |
| Net operating income to assets | 1.9019% | 393 |
| Return on assets (ROA) | 1.9435% | 372 |
| Pretax return on assets | 1.9491% | 539 |
| Return on Equity (ROE) | 11.9781% | 1,424 |
| Retained earnings to average equity (ytd only) | 3.5997% | 3,661 |
| Net charge-offs to loans | 0.2108% | 2,776 |
| Credit loss provision to net charge-offs | 167.8322% | 1,354 |
| Earnings coverage of net charge-offs (x) | 13.5315% | 2,012 |
| Efficiency ratio | 60.1195% | 5,453 |
| Assets per employee ($millions) | 4.1295% | 3,580 |
| Cash dividends to net income (ytd only)* | 69.9479% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 2,704 |
| Loan loss allowance to noncurrent loans | 114.6667% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 3,112 |
| Noncurrent loans to loans | 1.4076% | 2,788 |
| Net loans and leases to total assets | 75.0116% | 1,222 |
| Net loans and leases to deposits | 92.8004% | 980 |
| Net loans and leases to core deposits | 98.3065% | 1,284 |
| Total domestic deposits to total assets | 80.8310% | 5,225 |
| Equity capital to assets | 16.0914% | 513 |
| Core capital (leverage) ratio | 16.1613% | 454 |
| Tier 1 risk-based capital ratio | 16.7868% | 2,721 |
| Total risk-based capital ratio | 17.8548% | 2,763 |
| Memoranda: | ||
| Average total assets | $88,859,400 | 5,004 |
| Average earning assets | $82,945,600 | 4,955 |
| Average equity | $14,418,000 | 3,984 |
| Average total loans | $67,840,600 | 4,346 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1257% | 740 |
| Cost of funding earning assets | 0.4162% | 4,665 |
| Net interest margin | 4.7094% | 506 |
| Noninterest income to average assets | 1.1196% | 1,169 |
| Noninterest expense to average assets | 3.3196% | 2,024 |
| Loan and lease loss provision to assets | 0.2716% | 1,293 |
| Net operating income to assets | 1.9269% | 416 |
| Return on assets (ROA) | 1.9827% | 381 |
| Pretax return on assets | 1.9887% | 588 |
| Return on Equity (ROE) | 12.1937% | 1,419 |
| Retained earnings to average equity (ytd only) | 0.9837% | 5,585 |
| Net charge-offs to loans | 0.2786% | 2,155 |
| Credit loss provision to net charge-offs | 127.6596% | 1,848 |
| Earnings coverage of net charge-offs (x) | 10.3614% | 2,370 |
| Efficiency ratio | 60.0929% | 5,422 |
| Assets per employee ($millions) | 4.0409% | 3,753 |
| Cash dividends to net income (ytd only)* | 91.9330% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,232 |
| Loan loss allowance to noncurrent loans | 140.2116% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9213% | 3,832 |
| Noncurrent loans to loans | 1.1044% | 3,586 |
| Net loans and leases to total assets | 75.8096% | 1,029 |
| Net loans and leases to deposits | 93.8126% | 838 |
| Net loans and leases to core deposits | 101.0496% | 1,050 |
| Total domestic deposits to total assets | 80.8097% | 5,265 |
| Equity capital to assets | 16.0137% | 551 |
| Core capital (leverage) ratio | 15.7448% | 527 |
| Tier 1 risk-based capital ratio | 16.7605% | 2,835 |
| Total risk-based capital ratio | 17.8073% | 2,880 |
| Memoranda: | ||
| Average total assets | $88,361,750 | 5,066 |
| Average earning assets | $82,640,250 | 5,010 |
| Average equity | $14,367,750 | 4,044 |
| Average total loans | $67,484,250 | 4,391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 689 |
| Cost of funding earning assets | 0.4166% | 4,789 |
| Net interest margin | 4.7372% | 473 |
| Noninterest income to average assets | 1.1499% | 1,149 |
| Noninterest expense to average assets | 3.3204% | 2,017 |
| Loan and lease loss provision to assets | 0.2722% | 1,353 |
| Net operating income to assets | 1.9868% | 365 |
| Return on assets (ROA) | 2.0707% | 333 |
| Pretax return on assets | 2.0775% | 519 |
| Return on Equity (ROE) | 12.6703% | 1,323 |
| Retained earnings to average equity (ytd only) | -1.3461% | 6,102 |
| Net charge-offs to loans | 0.3454% | 1,804 |
| Credit loss provision to net charge-offs | 103.4483% | 2,140 |
| Earnings coverage of net charge-offs (x) | 8.6121% | 2,382 |
| Efficiency ratio | 59.4397% | 5,550 |
| Assets per employee ($millions) | 4.4204% | 2,941 |
| Cash dividends to net income (ytd only)* | 110.6243% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,694 |
| Loan loss allowance to noncurrent loans | 131.9176% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 3,752 |
| Noncurrent loans to loans | 1.1190% | 3,693 |
| Net loans and leases to total assets | 73.6968% | 1,303 |
| Net loans and leases to deposits | 91.8183% | 981 |
| Net loans and leases to core deposits | 98.9857% | 1,142 |
| Total domestic deposits to total assets | 80.2637% | 5,545 |
| Equity capital to assets | 15.1407% | 685 |
| Core capital (leverage) ratio | 15.9162% | 477 |
| Tier 1 risk-based capital ratio | 16.1590% | 3,111 |
| Total risk-based capital ratio | 17.3535% | 3,078 |
| Memoranda: | ||
| Average total assets | $88,182,670 | 5,100 |
| Average earning assets | $82,579,670 | 5,035 |
| Average equity | $14,411,670 | 4,066 |
| Average total loans | $67,161,000 | 4,418 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 896 |
| Cost of funding earning assets | 0.4361% | 4,741 |
| Net interest margin | 4.5594% | 607 |
| Noninterest income to average assets | 1.8169% | 496 |
| Noninterest expense to average assets | 3.4754% | 1,674 |
| Loan and lease loss provision to assets | 0.2795% | 1,257 |
| Net operating income to assets | 2.3434% | 187 |
| Return on assets (ROA) | 2.4179% | 188 |
| Pretax return on assets | 2.4226% | 300 |
| Return on Equity (ROE) | 14.2289% | 921 |
| Retained earnings to average equity (ytd only) | 5.9767% | 2,687 |
| Net charge-offs to loans | -0.0606% | 6,219 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9466% | 5,973 |
| Assets per employee ($millions) | 4.0233% | 3,894 |
| Cash dividends to net income (ytd only)* | 57.9961% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6552% | 3,179 |
| Loan loss allowance to noncurrent loans | 60.1102% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 2.5483% | 1,800 |
| Noncurrent loans to loans | 2.7536% | 1,849 |
| Net loans and leases to total assets | 76.7224% | 745 |
| Net loans and leases to deposits | 96.1822% | 532 |
| Net loans and leases to core deposits | 99.5607% | 977 |
| Total domestic deposits to total assets | 79.7678% | 5,808 |
| Equity capital to assets | 17.3265% | 390 |
| Core capital (leverage) ratio | 16.5438% | 398 |
| Tier 1 risk-based capital ratio | 17.6719% | 2,495 |
| Total risk-based capital ratio | 18.6853% | 2,547 |
| Memoranda: | ||
| Average total assets | $85,859,500 | 5,202 |
| Average earning assets | $80,711,500 | 5,130 |
| Average equity | $14,590,000 | 4,074 |
| Average total loans | $66,023,000 | 4,494 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2774% | 972 |
| Cost of funding earning assets | 0.5295% | 4,997 |
| Net interest margin | 4.7479% | 598 |
| Noninterest income to average assets | 2.2092% | 379 |
| Noninterest expense to average assets | 3.4874% | 1,842 |
| Loan and lease loss provision to assets | 0.2825% | 2,392 |
| Net operating income to assets | 2.8812% | 105 |
| Return on assets (ROA) | 2.8812% | 109 |
| Pretax return on assets | 2.8824% | 156 |
| Return on Equity (ROE) | 18.0114% | 445 |
| Retained earnings to average equity (ytd only) | 11.9119% | 334 |
| Net charge-offs to loans | 0.1204% | 4,484 |
| Credit loss provision to net charge-offs | 311.6883% | 777 |
| Earnings coverage of net charge-offs (x) | 34.9221% | 898 |
| Efficiency ratio | 52.4239% | 6,428 |
| Assets per employee ($millions) | 3.9650% | 4,020 |
| Cash dividends to net income (ytd only)* | 33.8644% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 3,552 |
| Loan loss allowance to noncurrent loans | 65.3231% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 2.4980% | 1,954 |
| Noncurrent loans to loans | 2.3634% | 2,278 |
| Net loans and leases to total assets | 74.6440% | 1,108 |
| Net loans and leases to deposits | 92.8355% | 845 |
| Net loans and leases to core deposits | 97.5139% | 1,180 |
| Total domestic deposits to total assets | 80.4047% | 5,567 |
| Equity capital to assets | 16.6697% | 457 |
| Core capital (leverage) ratio | 16.3414% | 409 |
| Tier 1 risk-based capital ratio | 16.8999% | 2,700 |
| Total risk-based capital ratio | 17.9181% | 2,781 |
| Memoranda: | ||
| Average total assets | $84,964,200 | 5,221 |
| Average earning assets | $79,508,600 | 5,140 |
| Average equity | $13,591,400 | 4,237 |
| Average total loans | $63,951,800 | 4,573 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 1,010 |
| Cost of funding earning assets | 0.5515% | 5,076 |
| Net interest margin | 4.7507% | 607 |
| Noninterest income to average assets | 2.1453% | 388 |
| Noninterest expense to average assets | 3.4850% | 1,795 |
| Loan and lease loss provision to assets | 0.2844% | 2,293 |
| Net operating income to assets | 2.8246% | 122 |
| Return on assets (ROA) | 2.8246% | 127 |
| Pretax return on assets | 2.8262% | 183 |
| Return on Equity (ROE) | 17.8519% | 518 |
| Retained earnings to average equity (ytd only) | 9.5749% | 1,035 |
| Net charge-offs to loans | 0.1367% | 4,025 |
| Credit loss provision to net charge-offs | 276.9231% | 980 |
| Earnings coverage of net charge-offs (x) | 30.2939% | 1,090 |
| Efficiency ratio | 52.8383% | 6,371 |
| Assets per employee ($millions) | 3.9384% | 3,997 |
| Cash dividends to net income (ytd only)* | 46.3648% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,865 |
| Loan loss allowance to noncurrent loans | 59.2818% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.7313% | 1,938 |
| Noncurrent loans to loans | 2.5638% | 2,229 |
| Net loans and leases to total assets | 76.3055% | 922 |
| Net loans and leases to deposits | 95.6981% | 677 |
| Net loans and leases to core deposits | 100.0380% | 1,116 |
| Total domestic deposits to total assets | 79.7357% | 5,721 |
| Equity capital to assets | 16.8523% | 486 |
| Core capital (leverage) ratio | 15.8902% | 490 |
| Tier 1 risk-based capital ratio | 15.9609% | 3,285 |
| Total risk-based capital ratio | 17.1296% | 3,305 |
| Memoranda: | ||
| Average total assets | $84,397,750 | 5,287 |
| Average earning assets | $79,060,750 | 5,204 |
| Average equity | $13,354,000 | 4,329 |
| Average total loans | $63,406,500 | 4,633 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2613% | 1,119 |
| Cost of funding earning assets | 0.5771% | 5,101 |
| Net interest margin | 4.6843% | 692 |
| Noninterest income to average assets | 1.9609% | 420 |
| Noninterest expense to average assets | 3.4463% | 1,914 |
| Loan and lease loss provision to assets | 0.2825% | 2,316 |
| Net operating income to assets | 2.6247% | 146 |
| Return on assets (ROA) | 2.6247% | 159 |
| Pretax return on assets | 2.6271% | 251 |
| Return on Equity (ROE) | 16.9462% | 642 |
| Retained earnings to average equity (ytd only) | 7.1432% | 2,024 |
| Net charge-offs to loans | 0.1140% | 4,034 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 981 |
| Efficiency ratio | 54.2222% | 6,297 |
| Assets per employee ($millions) | 3.6949% | 4,529 |
| Cash dividends to net income (ytd only)* | 57.8475% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 4,192 |
| Loan loss allowance to noncurrent loans | 68.8596% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.2816% | 2,450 |
| Noncurrent loans to loans | 2.1247% | 2,794 |
| Net loans and leases to total assets | 74.6549% | 1,151 |
| Net loans and leases to deposits | 91.8786% | 965 |
| Net loans and leases to core deposits | 95.8499% | 1,439 |
| Total domestic deposits to total assets | 81.2539% | 5,376 |
| Equity capital to assets | 15.7632% | 630 |
| Core capital (leverage) ratio | 15.3356% | 542 |
| Tier 1 risk-based capital ratio | 15.7721% | 3,290 |
| Total risk-based capital ratio | 16.9315% | 3,308 |
| Memoranda: | ||
| Average total assets | $84,961,330 | 5,305 |
| Average earning assets | $79,713,670 | 5,218 |
| Average equity | $13,159,330 | 4,365 |
| Average total loans | $63,180,670 | 4,665 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3337% | 1,037 |
| Cost of funding earning assets | 0.6189% | 4,971 |
| Net interest margin | 4.7148% | 667 |
| Noninterest income to average assets | 2.1754% | 358 |
| Noninterest expense to average assets | 3.5268% | 1,700 |
| Loan and lease loss provision to assets | 0.2825% | 2,211 |
| Net operating income to assets | 2.7734% | 129 |
| Return on assets (ROA) | 2.7734% | 153 |
| Pretax return on assets | 2.7781% | 235 |
| Return on Equity (ROE) | 18.0661% | 538 |
| Retained earnings to average equity (ytd only) | 9.8152% | 1,317 |
| Net charge-offs to loans | 0.1342% | 3,300 |
| Credit loss provision to net charge-offs | 285.7143% | 1,025 |
| Earnings coverage of net charge-offs (x) | 30.9524% | 899 |
| Efficiency ratio | 53.5382% | 6,391 |
| Assets per employee ($millions) | 3.7815% | 4,467 |
| Cash dividends to net income (ytd only)* | 45.6706% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 4,479 |
| Loan loss allowance to noncurrent loans | 60.5672% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.4329% | 2,427 |
| Noncurrent loans to loans | 2.3575% | 2,740 |
| Net loans and leases to total assets | 74.4333% | 996 |
| Net loans and leases to deposits | 92.8145% | 741 |
| Net loans and leases to core deposits | 96.9684% | 1,203 |
| Total domestic deposits to total assets | 80.1957% | 5,808 |
| Equity capital to assets | 15.8641% | 596 |
| Core capital (leverage) ratio | 14.9533% | 603 |
| Tier 1 risk-based capital ratio | 16.1196% | 3,109 |
| Total risk-based capital ratio | 17.2613% | 3,138 |
| Memoranda: | ||
| Average total assets | $84,950,500 | 5,341 |
| Average earning assets | $79,494,000 | 5,254 |
| Average equity | $13,041,000 | 4,401 |
| Average total loans | $62,578,000 | 4,713 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 979 |
| Cost of funding earning assets | 0.7963% | 4,896 |
| Net interest margin | 4.7906% | 638 |
| Noninterest income to average assets | 1.3719% | 681 |
| Noninterest expense to average assets | 3.4017% | 2,233 |
| Loan and lease loss provision to assets | 0.2866% | 3,370 |
| Net operating income to assets | 2.1504% | 246 |
| Return on assets (ROA) | 2.1468% | 262 |
| Pretax return on assets | 2.1552% | 398 |
| Return on Equity (ROE) | 15.0309% | 737 |
| Retained earnings to average equity (ytd only) | 7.9920% | 1,082 |
| Net charge-offs to loans | 0.2823% | 4,012 |
| Credit loss provision to net charge-offs | 136.3636% | 2,191 |
| Earnings coverage of net charge-offs (x) | 11.6364% | 1,701 |
| Efficiency ratio | 58.1785% | 6,030 |
| Assets per employee ($millions) | 3.6128% | 4,739 |
| Cash dividends to net income (ytd only)* | 46.8298% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,576 |
| Loan loss allowance to noncurrent loans | 109.1603% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 2.0679% | 2,880 |
| Noncurrent loans to loans | 1.2609% | 4,262 |
| Net loans and leases to total assets | 70.9020% | 1,843 |
| Net loans and leases to deposits | 87.2101% | 1,487 |
| Net loans and leases to core deposits | 91.3002% | 1,957 |
| Total domestic deposits to total assets | 81.3002% | 5,362 |
| Equity capital to assets | 14.8592% | 813 |
| Core capital (leverage) ratio | 14.5112% | 711 |
| Tier 1 risk-based capital ratio | 15.6506% | 3,237 |
| Total risk-based capital ratio | 16.7383% | 3,289 |
| Memoranda: | ||
| Average total assets | $83,752,600 | 5,349 |
| Average earning assets | $78,237,000 | 5,286 |
| Average equity | $11,962,000 | 4,561 |
| Average total loans | $62,340,000 | 4,782 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5994% | 1,034 |
| Cost of funding earning assets | 0.8495% | 4,775 |
| Net interest margin | 4.7499% | 688 |
| Noninterest income to average assets | 1.0761% | 1,161 |
| Noninterest expense to average assets | 3.3118% | 2,460 |
| Loan and lease loss provision to assets | 0.2891% | 3,200 |
| Net operating income to assets | 1.9016% | 419 |
| Return on assets (ROA) | 1.8968% | 459 |
| Pretax return on assets | 1.9065% | 771 |
| Return on Equity (ROE) | 13.4222% | 1,177 |
| Retained earnings to average equity (ytd only) | 3.8528% | 3,986 |
| Net charge-offs to loans | 0.3764% | 3,225 |
| Credit loss provision to net charge-offs | 102.2727% | 3,261 |
| Earnings coverage of net charge-offs (x) | 7.7841% | 2,298 |
| Efficiency ratio | 60.0816% | 5,704 |
| Assets per employee ($millions) | 3.6141% | 4,724 |
| Cash dividends to net income (ytd only)* | 71.2955% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 5,315 |
| Loan loss allowance to noncurrent loans | 75.4253% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.8283% | 2,294 |
| Noncurrent loans to loans | 1.6404% | 3,833 |
| Net loans and leases to total assets | 76.6280% | 888 |
| Net loans and leases to deposits | 92.5277% | 964 |
| Net loans and leases to core deposits | 97.4169% | 1,479 |
| Total domestic deposits to total assets | 82.8162% | 4,754 |
| Equity capital to assets | 14.6538% | 949 |
| Core capital (leverage) ratio | 14.3084% | 814 |
| Tier 1 risk-based capital ratio | 14.6507% | 3,865 |
| Total risk-based capital ratio | 15.6472% | 4,023 |
| Memoranda: | ||
| Average total assets | $83,014,000 | 5,408 |
| Average earning assets | $77,530,000 | 5,342 |
| Average equity | $11,731,500 | 4,636 |
| Average total loans | $62,341,250 | 4,820 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4480% | 1,417 |
| Cost of funding earning assets | 0.9286% | 4,457 |
| Net interest margin | 4.5194% | 1,087 |
| Noninterest income to average assets | 0.9352% | 1,511 |
| Noninterest expense to average assets | 3.2491% | 2,727 |
| Loan and lease loss provision to assets | 0.2892% | 3,074 |
| Net operating income to assets | 1.6100% | 720 |
| Return on assets (ROA) | 1.6029% | 773 |
| Pretax return on assets | 1.6125% | 1,242 |
| Return on Equity (ROE) | 11.4837% | 1,646 |
| Retained earnings to average equity (ytd only) | -0.2418% | 5,887 |
| Net charge-offs to loans | 0.5680% | 2,405 |
| Credit loss provision to net charge-offs | 68.5714% | 4,088 |
| Earnings coverage of net charge-offs (x) | 4.5257% | 2,838 |
| Efficiency ratio | 62.9907% | 5,406 |
| Assets per employee ($millions) | 3.5900% | 4,716 |
| Cash dividends to net income (ytd only)* | 102.1053% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 5,505 |
| Loan loss allowance to noncurrent loans | 46.6835% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 3.5146% | 1,873 |
| Noncurrent loans to loans | 2.5900% | 2,785 |
| Net loans and leases to total assets | 73.1249% | 1,570 |
| Net loans and leases to deposits | 89.1534% | 1,363 |
| Net loans and leases to core deposits | 89.6351% | 2,422 |
| Total domestic deposits to total assets | 82.0215% | 5,159 |
| Equity capital to assets | 14.1454% | 1,048 |
| Core capital (leverage) ratio | 13.9963% | 871 |
| Tier 1 risk-based capital ratio | 14.7575% | 3,643 |
| Total risk-based capital ratio | 15.7160% | 3,783 |
| Memoranda: | ||
| Average total assets | $82,977,000 | 5,460 |
| Average earning assets | $77,532,670 | 5,383 |
| Average equity | $11,581,670 | 4,664 |
| Average total loans | $61,623,330 | 4,884 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 1,716 |
| Cost of funding earning assets | 0.9752% | 4,389 |
| Net interest margin | 4.3783% | 1,345 |
| Noninterest income to average assets | 0.8271% | 1,935 |
| Noninterest expense to average assets | 3.1931% | 2,918 |
| Loan and lease loss provision to assets | 0.2885% | 2,840 |
| Net operating income to assets | 1.4378% | 1,003 |
| Return on assets (ROA) | 1.4378% | 1,042 |
| Pretax return on assets | 1.4475% | 1,606 |
| Return on Equity (ROE) | 10.3707% | 1,968 |
| Retained earnings to average equity (ytd only) | 3.0176% | 4,352 |
| Net charge-offs to loans | 0.2133% | 3,236 |
| Credit loss provision to net charge-offs | 181.8182% | 1,610 |
| Earnings coverage of net charge-offs (x) | 10.9394% | 1,595 |
| Efficiency ratio | 64.7805% | 5,219 |
| Assets per employee ($millions) | 3.5536% | 4,867 |
| Cash dividends to net income (ytd only)* | 70.9030% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 5,053 |
| Loan loss allowance to noncurrent loans | 35.0405% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 4.1024% | 1,624 |
| Noncurrent loans to loans | 3.7566% | 1,963 |
| Net loans and leases to total assets | 75.3050% | 1,135 |
| Net loans and leases to deposits | 93.0010% | 918 |
| Net loans and leases to core deposits | 93.5111% | 1,951 |
| Total domestic deposits to total assets | 80.9722% | 5,666 |
| Equity capital to assets | 14.2415% | 939 |
| Core capital (leverage) ratio | 13.7573% | 900 |
| Tier 1 risk-based capital ratio | 14.6154% | 3,667 |
| Total risk-based capital ratio | 15.6612% | 3,757 |
| Memoranda: | ||
| Average total assets | $83,180,000 | 5,490 |
| Average earning assets | $77,929,500 | 5,416 |
| Average equity | $11,532,500 | 4,658 |
| Average total loans | $61,875,500 | 4,910 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 1,417 |
| Cost of funding earning assets | 1.2975% | 3,901 |
| Net interest margin | 4.4486% | 1,356 |
| Noninterest income to average assets | 1.9619% | 410 |
| Noninterest expense to average assets | 3.4494% | 2,307 |
| Loan and lease loss provision to assets | 0.6305% | 2,608 |
| Net operating income to assets | 2.0465% | 264 |
| Return on assets (ROA) | 2.0477% | 273 |
| Pretax return on assets | 2.0596% | 428 |
| Return on Equity (ROE) | 15.5836% | 633 |
| Retained earnings to average equity (ytd only) | 8.0095% | 976 |
| Net charge-offs to loans | 0.7274% | 2,836 |
| Credit loss provision to net charge-offs | 113.7634% | 3,823 |
| Earnings coverage of net charge-offs (x) | 4.8516% | 2,784 |
| Efficiency ratio | 56.1942% | 6,578 |
| Assets per employee ($millions) | 3.6794% | 4,510 |
| Cash dividends to net income (ytd only)* | 48.6030% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 5,037 |
| Loan loss allowance to noncurrent loans | 31.9004% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 3.8274% | 1,786 |
| Noncurrent loans to loans | 4.0550% | 1,782 |
| Net loans and leases to total assets | 71.5930% | 2,178 |
| Net loans and leases to deposits | 87.5737% | 1,850 |
| Net loans and leases to core deposits | 88.0331% | 3,043 |
| Total domestic deposits to total assets | 81.7517% | 5,265 |
| Equity capital to assets | 13.5004% | 1,180 |
| Core capital (leverage) ratio | 13.3332% | 1,017 |
| Tier 1 risk-based capital ratio | 14.8487% | 3,339 |
| Total risk-based capital ratio | 15.8846% | 3,421 |
| Memoranda: | ||
| Average total assets | $83,898,800 | 5,469 |
| Average earning assets | $78,766,800 | 5,390 |
| Average equity | $11,024,400 | 4,856 |
| Average total loans | $63,928,800 | 4,916 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7189% | 1,651 |
| Cost of funding earning assets | 1.3665% | 3,798 |
| Net interest margin | 4.3524% | 1,671 |
| Noninterest income to average assets | 1.7519% | 469 |
| Noninterest expense to average assets | 3.2952% | 2,588 |
| Loan and lease loss provision to assets | 0.4507% | 3,217 |
| Net operating income to assets | 2.0768% | 298 |
| Return on assets (ROA) | 2.0784% | 317 |
| Pretax return on assets | 2.0911% | 517 |
| Return on Equity (ROE) | 15.9275% | 714 |
| Retained earnings to average equity (ytd only) | 6.0659% | 2,317 |
| Net charge-offs to loans | 0.3407% | 3,942 |
| Credit loss provision to net charge-offs | 171.5152% | 2,157 |
| Earnings coverage of net charge-offs (x) | 9.6668% | 1,995 |
| Efficiency ratio | 56.4683% | 6,493 |
| Assets per employee ($millions) | 3.7754% | 4,330 |
| Cash dividends to net income (ytd only)* | 61.9158% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 4,928 |
| Loan loss allowance to noncurrent loans | 32.8428% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.7202% | 1,911 |
| Noncurrent loans to loans | 3.9797% | 1,886 |
| Net loans and leases to total assets | 77.0922% | 1,206 |
| Net loans and leases to deposits | 94.6701% | 1,131 |
| Net loans and leases to core deposits | 95.0636% | 2,378 |
| Total domestic deposits to total assets | 81.4325% | 5,228 |
| Equity capital to assets | 13.7131% | 1,271 |
| Core capital (leverage) ratio | 13.1008% | 1,190 |
| Tier 1 risk-based capital ratio | 14.8685% | 3,322 |
| Total risk-based capital ratio | 16.0149% | 3,344 |
| Memoranda: | ||
| Average total assets | $83,716,750 | 5,549 |
| Average earning assets | $78,544,250 | 5,462 |
| Average equity | $10,924,250 | 4,944 |
| Average total loans | $64,565,750 | 4,959 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8225% | 1,372 |
| Cost of funding earning assets | 1.4219% | 3,737 |
| Net interest margin | 4.4006% | 1,442 |
| Noninterest income to average assets | 1.4058% | 643 |
| Noninterest expense to average assets | 3.3430% | 2,420 |
| Loan and lease loss provision to assets | 0.4670% | 2,981 |
| Net operating income to assets | 1.7061% | 579 |
| Return on assets (ROA) | 1.7084% | 631 |
| Pretax return on assets | 1.7204% | 1,025 |
| Return on Equity (ROE) | 13.3160% | 1,172 |
| Retained earnings to average equity (ytd only) | 0.6872% | 5,487 |
| Net charge-offs to loans | 0.0652% | 5,490 |
| Credit loss provision to net charge-offs | 933.3333% | 394 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 674 |
| Efficiency ratio | 60.4741% | 5,967 |
| Assets per employee ($millions) | 3.8314% | 4,153 |
| Cash dividends to net income (ytd only)* | 94.8396% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,374 |
| Loan loss allowance to noncurrent loans | 46.3390% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 2.8971% | 2,483 |
| Noncurrent loans to loans | 3.0431% | 2,648 |
| Net loans and leases to total assets | 75.0670% | 1,677 |
| Net loans and leases to deposits | 90.9619% | 1,695 |
| Net loans and leases to core deposits | 91.4113% | 3,074 |
| Total domestic deposits to total assets | 82.5258% | 4,775 |
| Equity capital to assets | 12.7287% | 1,677 |
| Core capital (leverage) ratio | 12.6365% | 1,352 |
| Tier 1 risk-based capital ratio | 13.3294% | 4,183 |
| Total risk-based capital ratio | 14.4733% | 4,226 |
| Memoranda: | ||
| Average total assets | $83,936,000 | 5,563 |
| Average earning assets | $78,626,330 | 5,488 |
| Average equity | $10,769,000 | 4,981 |
| Average total loans | $64,461,000 | 5,001 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9078% | 1,187 |
| Cost of funding earning assets | 1.4706% | 3,734 |
| Net interest margin | 4.4373% | 1,278 |
| Noninterest income to average assets | 1.3515% | 660 |
| Noninterest expense to average assets | 3.5483% | 1,853 |
| Loan and lease loss provision to assets | 0.1862% | 4,645 |
| Net operating income to assets | 1.7526% | 551 |
| Return on assets (ROA) | 1.7526% | 601 |
| Pretax return on assets | 1.7670% | 942 |
| Return on Equity (ROE) | 13.6065% | 1,122 |
| Retained earnings to average equity (ytd only) | 6.5622% | 2,342 |
| Net charge-offs to loans | 0.1300% | 4,185 |
| Credit loss provision to net charge-offs | 185.7143% | 1,971 |
| Earnings coverage of net charge-offs (x) | 19.4762% | 1,199 |
| Efficiency ratio | 64.4965% | 5,393 |
| Assets per employee ($millions) | 3.4567% | 5,133 |
| Cash dividends to net income (ytd only)* | 51.7711% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 5,775 |
| Loan loss allowance to noncurrent loans | 117.0579% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.9069% | 3,624 |
| Noncurrent loans to loans | 0.9828% | 5,358 |
| Net loans and leases to total assets | 77.4735% | 1,253 |
| Net loans and leases to deposits | 94.6847% | 1,272 |
| Net loans and leases to core deposits | 95.1586% | 2,681 |
| Total domestic deposits to total assets | 81.8226% | 5,146 |
| Equity capital to assets | 13.1063% | 1,482 |
| Core capital (leverage) ratio | 12.7312% | 1,312 |
| Tier 1 risk-based capital ratio | 13.6183% | 3,916 |
| Total risk-based capital ratio | 14.5718% | 4,062 |
| Memoranda: | ||
| Average total assets | $83,759,000 | 5,641 |
| Average earning assets | $78,336,500 | 5,566 |
| Average equity | $10,789,000 | 5,032 |
| Average total loans | $64,602,000 | 5,057 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0626% | 1,630 |
| Cost of funding earning assets | 1.8063% | 3,958 |
| Net interest margin | 4.2563% | 1,867 |
| Noninterest income to average assets | 1.6588% | 525 |
| Noninterest expense to average assets | 3.3128% | 2,971 |
| Loan and lease loss provision to assets | 0.2275% | 5,551 |
| Net operating income to assets | 2.1041% | 183 |
| Return on assets (ROA) | 2.1016% | 197 |
| Pretax return on assets | 2.1077% | 336 |
| Return on Equity (ROE) | 17.2482% | 432 |
| Retained earnings to average equity (ytd only) | 12.2634% | 191 |
| Net charge-offs to loans | 0.4452% | 4,012 |
| Credit loss provision to net charge-offs | 65.9649% | 6,556 |
| Earnings coverage of net charge-offs (x) | 6.7789% | 2,290 |
| Efficiency ratio | 58.6296% | 6,674 |
| Assets per employee ($millions) | 3.8435% | 4,161 |
| Cash dividends to net income (ytd only)* | 28.9004% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,702 |
| Loan loss allowance to noncurrent loans | 57.6619% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.7006% | 3,818 |
| Noncurrent loans to loans | 1.9725% | 3,685 |
| Net loans and leases to total assets | 75.0420% | 2,016 |
| Net loans and leases to deposits | 91.1787% | 2,018 |
| Net loans and leases to core deposits | 100.0820% | 3,991 |
| Total domestic deposits to total assets | 82.3021% | 4,813 |
| Equity capital to assets | 12.6599% | 1,667 |
| Core capital (leverage) ratio | 12.8166% | 1,305 |
| Tier 1 risk-based capital ratio | 13.6288% | 3,735 |
| Total risk-based capital ratio | 14.5757% | 3,876 |
| Memoranda: | ||
| Average total assets | $82,649,800 | 5,647 |
| Average earning assets | $77,508,400 | 5,543 |
| Average equity | $10,070,600 | 5,278 |
| Average total loans | $64,013,000 | 5,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1065% | 1,627 |
| Cost of funding earning assets | 1.8792% | 3,992 |
| Net interest margin | 4.2273% | 1,950 |
| Noninterest income to average assets | 1.7799% | 462 |
| Noninterest expense to average assets | 3.3636% | 2,679 |
| Loan and lease loss provision to assets | 0.1460% | 5,899 |
| Net operating income to assets | 2.2294% | 170 |
| Return on assets (ROA) | 2.2262% | 188 |
| Pretax return on assets | 2.2310% | 324 |
| Return on Equity (ROE) | 18.4553% | 413 |
| Retained earnings to average equity (ytd only) | 11.7027% | 381 |
| Net charge-offs to loans | 0.4523% | 3,422 |
| Credit loss provision to net charge-offs | 41.4747% | 6,407 |
| Earnings coverage of net charge-offs (x) | 6.7603% | 2,546 |
| Efficiency ratio | 58.5593% | 6,638 |
| Assets per employee ($millions) | 3.5622% | 4,782 |
| Cash dividends to net income (ytd only)* | 36.5891% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 5,809 |
| Loan loss allowance to noncurrent loans | 55.9105% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.7771% | 3,691 |
| Noncurrent loans to loans | 1.9422% | 3,717 |
| Net loans and leases to total assets | 77.8265% | 1,605 |
| Net loans and leases to deposits | 95.0354% | 1,707 |
| Net loans and leases to core deposits | 104.9907% | 3,823 |
| Total domestic deposits to total assets | 81.8921% | 4,716 |
| Equity capital to assets | 12.8230% | 1,772 |
| Core capital (leverage) ratio | 12.2682% | 1,673 |
| Tier 1 risk-based capital ratio | 12.9563% | 4,222 |
| Total risk-based capital ratio | 13.8511% | 4,422 |
| Memoranda: | ||
| Average total assets | $82,172,750 | 5,688 |
| Average earning assets | $77,052,250 | 5,590 |
| Average equity | $9,912,000 | 5,358 |
| Average total loans | $63,970,250 | 5,137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0755% | 1,878 |
| Cost of funding earning assets | 1.9361% | 4,085 |
| Net interest margin | 4.1395% | 2,196 |
| Noninterest income to average assets | 2.5677% | 256 |
| Noninterest expense to average assets | 3.4941% | 2,354 |
| Loan and lease loss provision to assets | 0.1459% | 5,614 |
| Net operating income to assets | 2.8011% | 74 |
| Return on assets (ROA) | 2.7962% | 83 |
| Pretax return on assets | 2.8011% | 129 |
| Return on Equity (ROE) | 23.6772% | 169 |
| Retained earnings to average equity (ytd only) | 15.5240% | 181 |
| Net charge-offs to loans | 0.1160% | 4,999 |
| Credit loss provision to net charge-offs | 162.1622% | 2,833 |
| Earnings coverage of net charge-offs (x) | 32.8108% | 938 |
| Efficiency ratio | 54.2060% | 7,309 |
| Assets per employee ($millions) | 3.4252% | 5,013 |
| Cash dividends to net income (ytd only)* | 34.4348% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 4,154 |
| Loan loss allowance to noncurrent loans | 48.0769% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 2.2116% | 2,927 |
| Noncurrent loans to loans | 2.7470% | 2,622 |
| Net loans and leases to total assets | 77.2590% | 1,901 |
| Net loans and leases to deposits | 94.4949% | 2,015 |
| Net loans and leases to core deposits | 105.3618% | 3,912 |
| Total domestic deposits to total assets | 81.7600% | 4,791 |
| Equity capital to assets | 12.2768% | 2,043 |
| Core capital (leverage) ratio | 12.1733% | 1,762 |
| Tier 1 risk-based capital ratio | 12.1399% | 4,809 |
| Total risk-based capital ratio | 13.1717% | 4,901 |
| Memoranda: | ||
| Average total assets | $82,253,330 | 5,727 |
| Average earning assets | $77,063,330 | 5,633 |
| Average equity | $9,714,000 | 5,451 |
| Average total loans | $63,805,670 | 5,187 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0801% | 2,020 |
| Cost of funding earning assets | 1.9799% | 4,238 |
| Net interest margin | 4.1002% | 2,265 |
| Noninterest income to average assets | 3.0725% | 208 |
| Noninterest expense to average assets | 3.4955% | 2,111 |
| Loan and lease loss provision to assets | 0.1458% | 5,076 |
| Net operating income to assets | 3.2621% | 56 |
| Return on assets (ROA) | 3.2621% | 65 |
| Pretax return on assets | 3.2670% | 97 |
| Return on Equity (ROE) | 28.1785% | 125 |
| Retained earnings to average equity (ytd only) | 20.4094% | 155 |
| Net charge-offs to loans | 0.2330% | 3,244 |
| Credit loss provision to net charge-offs | 81.0811% | 4,173 |
| Earnings coverage of net charge-offs (x) | 18.9730% | 1,436 |
| Efficiency ratio | 50.5982% | 7,544 |
| Assets per employee ($millions) | 3.3680% | 5,159 |
| Cash dividends to net income (ytd only)* | 27.5708% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,162 |
| Loan loss allowance to noncurrent loans | 58.5714% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.8928% | 3,071 |
| Noncurrent loans to loans | 2.1932% | 2,987 |
| Net loans and leases to total assets | 77.9577% | 1,836 |
| Net loans and leases to deposits | 96.3237% | 1,896 |
| Net loans and leases to core deposits | 106.7600% | 3,825 |
| Total domestic deposits to total assets | 80.9331% | 5,000 |
| Equity capital to assets | 12.1377% | 2,174 |
| Core capital (leverage) ratio | 11.8866% | 1,952 |
| Tier 1 risk-based capital ratio | 11.7225% | 5,188 |
| Total risk-based capital ratio | 12.7094% | 5,350 |
| Memoranda: | ||
| Average total assets | $82,278,000 | 5,732 |
| Average earning assets | $76,972,500 | 5,657 |
| Average equity | $9,525,000 | 5,528 |
| Average total loans | $63,528,500 | 5,229 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7266% | 1,934 |
| Cost of funding earning assets | 2.6154% | 3,603 |
| Net interest margin | 4.1111% | 2,662 |
| Noninterest income to average assets | 1.3783% | 759 |
| Noninterest expense to average assets | 3.2066% | 3,313 |
| Loan and lease loss provision to assets | 0.1941% | 4,937 |
| Net operating income to assets | 1.8122% | 543 |
| Return on assets (ROA) | 1.8196% | 511 |
| Pretax return on assets | 1.8246% | 895 |
| Return on Equity (ROE) | 16.6358% | 681 |
| Retained earnings to average equity (ytd only) | 10.6234% | 371 |
| Net charge-offs to loans | 0.1813% | 4,377 |
| Credit loss provision to net charge-offs | 137.7193% | 3,867 |
| Earnings coverage of net charge-offs (x) | 14.2719% | 2,051 |
| Efficiency ratio | 61.4546% | 6,058 |
| Assets per employee ($millions) | 3.8057% | 3,943 |
| Cash dividends to net income (ytd only)* | 36.1413% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 3,720 |
| Loan loss allowance to noncurrent loans | 62.2741% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 2,979 |
| Noncurrent loans to loans | 2.1005% | 2,632 |
| Net loans and leases to total assets | 74.5249% | 2,984 |
| Net loans and leases to deposits | 89.5619% | 3,524 |
| Net loans and leases to core deposits | 99.0995% | 4,914 |
| Total domestic deposits to total assets | 83.2105% | 3,681 |
| Equity capital to assets | 11.0349% | 3,013 |
| Core capital (leverage) ratio | 11.5299% | 2,235 |
| Tier 1 risk-based capital ratio | 11.2127% | 5,527 |
| Total risk-based capital ratio | 12.2130% | 5,666 |
| Memoranda: | ||
| Average total assets | $80,896,000 | 5,667 |
| Average earning assets | $75,551,200 | 5,608 |
| Average equity | $8,848,400 | 5,789 |
| Average total loans | $62,894,400 | 5,146 |