Home > Chickasaw Community Bank > Performance and Condition Ratios
Chickasaw Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 2,351 |
| Cost of funding earning assets | 1.9430% | 1,006 |
| Net interest margin | 2.9225% | 3,436 |
| Noninterest income to average assets | -0.2500% | 4,591 |
| Noninterest expense to average assets | 4.3104% | 302 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | -1.5751% | 4,557 |
| Return on assets (ROA) | -1.5997% | 4,553 |
| Pretax return on assets | -2.0534% | 4,560 |
| Return on Equity (ROE) | -21.6600% | 4,553 |
| Retained earnings to average equity (ytd only) | -23.0726% | 4,532 |
| Net charge-offs to loans | 0.0969% | 928 |
| Credit loss provision to net charge-offs | 13.2184% | 2,333 |
| Earnings coverage of net charge-offs (x) | -27.4943% | 4,569 |
| Efficiency ratio | 185.7399% | 18 |
| Assets per employee ($millions) | 5.4517% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,030 |
| Loan loss allowance to noncurrent loans | 1,315.8879% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 1,962 |
| Noncurrent loans to loans | 0.0948% | 3,070 |
| Net loans and leases to total assets | 74.7900% | 1,265 |
| Net loans and leases to deposits | 81.1608% | 2,017 |
| Net loans and leases to core deposits | 108.0975% | 1,032 |
| Total domestic deposits to total assets | 92.1500% | 285 |
| Equity capital to assets | 6.9750% | 3,949 |
| Core capital (leverage) ratio | 7.8485% | 4,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6145% | 2,025 |
| Memoranda: | ||
| Average total assets | $480,331,800 | 1,772 |
| Average earning assets | $422,759,200 | 1,827 |
| Average equity | $35,470,600 | 2,039 |
| Average total loans | $359,313,800 | 1,581 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8439% | 2,175 |
| Cost of funding earning assets | 1.7662% | 1,069 |
| Net interest margin | 3.0776% | 3,181 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 4.1059% | 339 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | -0.7020% | 4,550 |
| Return on assets (ROA) | -0.7368% | 4,544 |
| Pretax return on assets | -0.8707% | 4,544 |
| Return on Equity (ROE) | -9.8500% | 4,542 |
| Retained earnings to average equity (ytd only) | -11.6755% | 4,511 |
| Net charge-offs to loans | 0.1277% | 631 |
| Credit loss provision to net charge-offs | 57.5931% | 1,870 |
| Earnings coverage of net charge-offs (x) | -8.1375% | 4,594 |
| Efficiency ratio | 123.1425% | 69 |
| Assets per employee ($millions) | 4.5371% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,207 |
| Loan loss allowance to noncurrent loans | 1,381.0726% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 2,367 |
| Noncurrent loans to loans | 0.0892% | 3,139 |
| Net loans and leases to total assets | 72.3300% | 1,535 |
| Net loans and leases to deposits | 78.8979% | 2,155 |
| Net loans and leases to core deposits | 103.1684% | 1,156 |
| Total domestic deposits to total assets | 91.6700% | 525 |
| Equity capital to assets | 7.3377% | 3,445 |
| Core capital (leverage) ratio | 8.0811% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0914% | 2,235 |
| Memoranda: | ||
| Average total assets | $488,615,000 | 1,751 |
| Average earning assets | $428,242,000 | 1,811 |
| Average equity | $36,543,000 | 1,981 |
| Average total loans | $364,498,500 | 1,556 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 1,902 |
| Cost of funding earning assets | 1.5834% | 1,101 |
| Net interest margin | 3.2566% | 2,851 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 4.0301% | 333 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | -0.2886% | 4,546 |
| Return on assets (ROA) | -0.3370% | 4,540 |
| Pretax return on assets | -0.4521% | 4,547 |
| Return on Equity (ROE) | -4.4800% | 4,535 |
| Retained earnings to average equity (ytd only) | -7.1913% | 4,471 |
| Net charge-offs to loans | 0.0876% | 741 |
| Credit loss provision to net charge-offs | 124.8447% | 1,308 |
| Earnings coverage of net charge-offs (x) | -4.6957% | 4,626 |
| Efficiency ratio | 108.1879% | 107 |
| Assets per employee ($millions) | 4.8378% | 3,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,151 |
| Loan loss allowance to noncurrent loans | 361.7274% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 1,784 |
| Noncurrent loans to loans | 0.3470% | 1,887 |
| Net loans and leases to total assets | 72.7800% | 1,439 |
| Net loans and leases to deposits | 79.6115% | 2,010 |
| Net loans and leases to core deposits | 105.4345% | 1,005 |
| Total domestic deposits to total assets | 91.4100% | 522 |
| Equity capital to assets | 7.7253% | 3,388 |
| Core capital (leverage) ratio | 7.8881% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9057% | 2,331 |
| Memoranda: | ||
| Average total assets | $489,665,000 | 1,748 |
| Average earning assets | $429,594,667 | 1,810 |
| Average equity | $36,850,000 | 1,986 |
| Average total loans | $367,500,000 | 1,543 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8030% | 1,609 |
| Cost of funding earning assets | 1.4448% | 950 |
| Net interest margin | 3.3582% | 2,735 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 4.1282% | 331 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | -0.9107% | 4,616 |
| Return on assets (ROA) | -1.0079% | 4,614 |
| Pretax return on assets | -1.3523% | 4,620 |
| Return on Equity (ROE) | -13.5700% | 4,616 |
| Retained earnings to average equity (ytd only) | -19.0973% | 4,586 |
| Net charge-offs to loans | 0.0054% | 1,770 |
| Credit loss provision to net charge-offs | 1,640.0000% | 243 |
| Earnings coverage of net charge-offs (x) | -283.4000% | 4,691 |
| Efficiency ratio | 139.0379% | 49 |
| Assets per employee ($millions) | 4.9644% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,356 |
| Loan loss allowance to noncurrent loans | 1,966.6667% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,314 |
| Noncurrent loans to loans | 0.0628% | 3,285 |
| Net loans and leases to total assets | 74.0800% | 1,189 |
| Net loans and leases to deposits | 81.0648% | 1,740 |
| Net loans and leases to core deposits | 118.9353% | 468 |
| Total domestic deposits to total assets | 91.3900% | 677 |
| Equity capital to assets | 7.6203% | 3,495 |
| Core capital (leverage) ratio | 7.7067% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8007% | 2,467 |
| Memoranda: | ||
| Average total assets | $487,769,500 | 1,771 |
| Average earning assets | $428,567,000 | 1,837 |
| Average equity | $36,214,500 | 2,035 |
| Average total loans | $369,411,000 | 1,551 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7326% | 485 |
| Cost of funding earning assets | 0.5500% | 1,107 |
| Net interest margin | 4.1826% | 561 |
| Noninterest income to average assets | 2.2300% | 216 |
| Noninterest expense to average assets | 4.7327% | 239 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | 0.6031% | 3,876 |
| Return on assets (ROA) | 0.6020% | 3,831 |
| Pretax return on assets | 0.7164% | 3,818 |
| Return on Equity (ROE) | 7.2400% | 3,578 |
| Retained earnings to average equity (ytd only) | 5.7118% | 2,743 |
| Net charge-offs to loans | -0.0016% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.0696% | 712 |
| Assets per employee ($millions) | 3.9595% | 4,296 |
| Cash dividends to net income (ytd only)* | 21.0843% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,221 |
| Loan loss allowance to noncurrent loans | 1,200.5305% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,013 |
| Noncurrent loans to loans | 0.1029% | 3,035 |
| Net loans and leases to total assets | 75.5400% | 1,058 |
| Net loans and leases to deposits | 82.2975% | 1,594 |
| Net loans and leases to core deposits | 128.6267% | 246 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 7.2217% | 3,541 |
| Core capital (leverage) ratio | 6.9142% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5601% | 2,848 |
| Memoranda: | ||
| Average total assets | $413,588,600 | 1,974 |
| Average earning assets | $363,604,800 | 2,055 |
| Average equity | $34,402,200 | 2,134 |
| Average total loans | $307,738,400 | 1,688 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 469 |
| Cost of funding earning assets | 0.4341% | 1,079 |
| Net interest margin | 4.1115% | 505 |
| Noninterest income to average assets | 2.9500% | 186 |
| Noninterest expense to average assets | 5.0041% | 218 |
| Loan and lease loss provision to assets | 0.5300% | 96 |
| Net operating income to assets | 0.7757% | 3,335 |
| Return on assets (ROA) | 0.7757% | 3,287 |
| Pretax return on assets | 1.0318% | 2,925 |
| Return on Equity (ROE) | 8.9700% | 3,039 |
| Retained earnings to average equity (ytd only) | 6.9318% | 2,385 |
| Net charge-offs to loans | -0.0014% | 3,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.1934% | 1,062 |
| Assets per employee ($millions) | 4.0677% | 4,294 |
| Cash dividends to net income (ytd only)* | 22.7174% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,481 |
| Loan loss allowance to noncurrent loans | 788.3895% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,805 |
| Noncurrent loans to loans | 0.1533% | 2,843 |
| Net loans and leases to total assets | 74.8700% | 1,025 |
| Net loans and leases to deposits | 81.4951% | 1,484 |
| Net loans and leases to core deposits | 122.0929% | 227 |
| Total domestic deposits to total assets | 91.8700% | 920 |
| Equity capital to assets | 7.3551% | 3,298 |
| Core capital (leverage) ratio | 7.3182% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3363% | 2,978 |
| Memoranda: | ||
| Average total assets | $397,210,500 | 2,051 |
| Average earning assets | $349,193,000 | 2,126 |
| Average equity | $34,353,000 | 2,171 |
| Average total loans | $293,064,500 | 1,747 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 347 |
| Cost of funding earning assets | 0.4014% | 905 |
| Net interest margin | 4.1456% | 372 |
| Noninterest income to average assets | 3.8847% | 121 |
| Noninterest expense to average assets | 5.3460% | 153 |
| Loan and lease loss provision to assets | 0.6732% | 72 |
| Net operating income to assets | 1.1169% | 1,715 |
| Return on assets (ROA) | 1.1169% | 1,691 |
| Pretax return on assets | 1.4931% | 1,188 |
| Return on Equity (ROE) | 12.1733% | 1,625 |
| Retained earnings to average equity (ytd only) | 9.1329% | 1,249 |
| Net charge-offs to loans | 0.0095% | 1,630 |
| Credit loss provision to net charge-offs | 9,746.1538% | 57 |
| Earnings coverage of net charge-offs (x) | 313.6154% | 393 |
| Efficiency ratio | 71.1628% | 1,810 |
| Assets per employee ($millions) | 3.2645% | 4,585 |
| Cash dividends to net income (ytd only)* | 24.9762% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,519 |
| 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 | 74.3653% | 877 |
| Net loans and leases to deposits | 81.7024% | 1,266 |
| Net loans and leases to core deposits | 115.8689% | 245 |
| Total domestic deposits to total assets | 91.0197% | 1,235 |
| Equity capital to assets | 8.1173% | 3,030 |
| Core capital (leverage) ratio | 8.0062% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1673% | 2,761 |
| Memoranda: | ||
| Average total assets | $376,396,667 | 2,133 |
| Average earning assets | $329,363,667 | 2,232 |
| Average equity | $34,534,667 | 2,217 |
| Average total loans | $274,637,333 | 1,831 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5132% | 307 |
| Cost of funding earning assets | 0.3820% | 976 |
| Net interest margin | 4.1312% | 319 |
| Noninterest income to average assets | 4.5852% | 108 |
| Noninterest expense to average assets | 5.6581% | 139 |
| Loan and lease loss provision to assets | 0.7749% | 54 |
| Net operating income to assets | 1.3395% | 923 |
| Return on assets (ROA) | 1.3395% | 911 |
| Pretax return on assets | 1.7646% | 594 |
| Return on Equity (ROE) | 13.6730% | 895 |
| Retained earnings to average equity (ytd only) | 7.6458% | 1,690 |
| Net charge-offs to loans | 0.0204% | 1,130 |
| Credit loss provision to net charge-offs | 5,300.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 173.6923% | 472 |
| Efficiency ratio | 69.0218% | 2,370 |
| Assets per employee ($millions) | 3.0430% | 4,648 |
| Cash dividends to net income (ytd only)* | 44.0806% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,729 |
| Loan loss allowance to noncurrent loans | 4,580.5556% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,850 |
| Noncurrent loans to loans | 0.0268% | 3,803 |
| Net loans and leases to total assets | 73.3859% | 711 |
| Net loans and leases to deposits | 82.4579% | 981 |
| Net loans and leases to core deposits | 108.3485% | 296 |
| Total domestic deposits to total assets | 88.9980% | 2,083 |
| Equity capital to assets | 9.5155% | 2,267 |
| Core capital (leverage) ratio | 9.0185% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3132% | 2,477 |
| Memoranda: | ||
| Average total assets | $355,665,000 | 2,232 |
| Average earning assets | $311,001,500 | 2,331 |
| Average equity | $34,842,500 | 2,262 |
| Average total loans | $254,646,000 | 1,915 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 214 |
| Cost of funding earning assets | 0.4212% | 1,381 |
| Net interest margin | 4.7183% | 201 |
| Noninterest income to average assets | 4.2968% | 125 |
| Noninterest expense to average assets | 6.5177% | 113 |
| Loan and lease loss provision to assets | 0.0998% | 1,254 |
| Net operating income to assets | 1.3617% | 1,404 |
| Return on assets (ROA) | 1.3617% | 1,452 |
| Pretax return on assets | 1.8770% | 771 |
| Return on Equity (ROE) | 13.1493% | 1,415 |
| Retained earnings to average equity (ytd only) | 11.3594% | 641 |
| Net charge-offs to loans | -0.0061% | 3,599 |
| Credit loss provision to net charge-offs | -2,484.6154% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7284% | 1,051 |
| Assets per employee ($millions) | 2.6456% | 4,732 |
| Cash dividends to net income (ytd only)* | 13.6116% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,391 |
| Loan loss allowance to noncurrent loans | 131,100.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,211 |
| Noncurrent loans to loans | 0.0008% | 4,130 |
| Net loans and leases to total assets | 68.0471% | 1,260 |
| Net loans and leases to deposits | 76.9104% | 1,496 |
| Net loans and leases to core deposits | 105.6044% | 379 |
| Total domestic deposits to total assets | 88.4758% | 1,798 |
| Equity capital to assets | 10.0878% | 2,574 |
| Core capital (leverage) ratio | 9.3061% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9499% | 1,860 |
| Memoranda: | ||
| Average total assets | $323,705,000 | 2,324 |
| Average earning assets | $287,982,200 | 2,390 |
| Average equity | $33,522,800 | 2,357 |
| Average total loans | $213,267,400 | 2,146 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 172 |
| Cost of funding earning assets | 0.4309% | 1,477 |
| Net interest margin | 4.9691% | 164 |
| Noninterest income to average assets | 3.7290% | 155 |
| Noninterest expense to average assets | 6.4680% | 114 |
| Loan and lease loss provision to assets | 0.0668% | 1,664 |
| Net operating income to assets | 1.1882% | 2,206 |
| Return on assets (ROA) | 1.1882% | 2,263 |
| Pretax return on assets | 1.6277% | 1,615 |
| Return on Equity (ROE) | 11.3927% | 2,244 |
| Retained earnings to average equity (ytd only) | 8.9755% | 1,707 |
| Net charge-offs to loans | -0.0123% | 3,758 |
| Credit loss provision to net charge-offs | -836.8421% | 3,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2402% | 794 |
| Assets per employee ($millions) | 2.8777% | 4,774 |
| Cash dividends to net income (ytd only)* | 21.2164% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 3,553 |
| Loan loss allowance to noncurrent loans | 24,650.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,215 |
| Noncurrent loans to loans | 0.0044% | 4,187 |
| Net loans and leases to total assets | 64.0484% | 1,770 |
| Net loans and leases to deposits | 72.0283% | 2,050 |
| Net loans and leases to core deposits | 100.7927% | 562 |
| Total domestic deposits to total assets | 88.9211% | 1,326 |
| Equity capital to assets | 9.5835% | 3,304 |
| Core capital (leverage) ratio | 9.2414% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7343% | 1,414 |
| Memoranda: | ||
| Average total assets | $317,327,750 | 2,379 |
| Average earning assets | $283,130,250 | 2,438 |
| Average equity | $33,096,500 | 2,413 |
| Average total loans | $206,521,250 | 2,227 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4505% | 185 |
| Cost of funding earning assets | 0.4532% | 1,497 |
| Net interest margin | 4.9973% | 168 |
| Noninterest income to average assets | 4.4953% | 124 |
| Noninterest expense to average assets | 6.8020% | 109 |
| Loan and lease loss provision to assets | 0.1029% | 1,228 |
| Net operating income to assets | 1.4860% | 1,334 |
| Return on assets (ROA) | 1.4860% | 1,390 |
| Pretax return on assets | 2.0353% | 778 |
| Return on Equity (ROE) | 13.8142% | 1,475 |
| Retained earnings to average equity (ytd only) | 10.1580% | 1,353 |
| Net charge-offs to loans | -0.0191% | 3,977 |
| Credit loss provision to net charge-offs | -826.3158% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0833% | 1,076 |
| Assets per employee ($millions) | 2.8336% | 4,811 |
| Cash dividends to net income (ytd only)* | 26.4667% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,214 |
| Loan loss allowance to noncurrent loans | 20,525.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 3,368 |
| Noncurrent loans to loans | 0.0056% | 4,226 |
| Net loans and leases to total assets | 63.5465% | 2,003 |
| Net loans and leases to deposits | 71.5914% | 2,248 |
| Net loans and leases to core deposits | 97.0702% | 758 |
| Total domestic deposits to total assets | 88.7627% | 1,408 |
| Equity capital to assets | 9.9318% | 2,910 |
| Core capital (leverage) ratio | 9.8079% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3460% | 1,257 |
| Memoranda: | ||
| Average total assets | $305,116,333 | 2,432 |
| Average earning assets | $271,388,667 | 2,498 |
| Average equity | $32,821,333 | 2,412 |
| Average total loans | $198,971,000 | 2,283 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7226% | 145 |
| Cost of funding earning assets | 0.5245% | 1,241 |
| Net interest margin | 5.1981% | 152 |
| Noninterest income to average assets | 6.7072% | 96 |
| Noninterest expense to average assets | 7.1905% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.0032% | 154 |
| Return on assets (ROA) | 3.0032% | 171 |
| Pretax return on assets | 4.1157% | 97 |
| Return on Equity (ROE) | 26.7378% | 211 |
| Retained earnings to average equity (ytd only) | 19.3821% | 294 |
| Net charge-offs to loans | -0.0356% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5976% | 2,519 |
| Assets per employee ($millions) | 2.3394% | 4,887 |
| Cash dividends to net income (ytd only)* | 27.5103% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,272 |
| Loan loss allowance to noncurrent loans | 17,715.3846% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 2,053 |
| Noncurrent loans to loans | 0.0064% | 4,297 |
| Net loans and leases to total assets | 69.7433% | 1,328 |
| Net loans and leases to deposits | 81.8478% | 1,346 |
| Net loans and leases to core deposits | 101.6471% | 641 |
| Total domestic deposits to total assets | 85.2110% | 3,023 |
| Equity capital to assets | 11.5417% | 1,516 |
| Core capital (leverage) ratio | 10.7070% | 1,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8799% | 1,093 |
| Memoranda: | ||
| Average total assets | $290,494,500 | 2,486 |
| Average earning assets | $257,018,000 | 2,563 |
| Average equity | $32,628,000 | 2,413 |
| Average total loans | $190,988,000 | 2,347 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6704% | 143 |
| Cost of funding earning assets | 0.6355% | 2,085 |
| Net interest margin | 5.0349% | 116 |
| Noninterest income to average assets | 9.0931% | 73 |
| Noninterest expense to average assets | 7.8571% | 98 |
| Loan and lease loss provision to assets | 0.2188% | 1,790 |
| Net operating income to assets | 4.1656% | 55 |
| Return on assets (ROA) | 4.1799% | 55 |
| Pretax return on assets | 5.5153% | 48 |
| Return on Equity (ROE) | 38.1066% | 35 |
| Retained earnings to average equity (ytd only) | 36.2280% | 14 |
| Net charge-offs to loans | 0.0545% | 2,006 |
| Credit loss provision to net charge-offs | 541.8367% | 1,191 |
| Earnings coverage of net charge-offs (x) | 141.5204% | 610 |
| Efficiency ratio | 57.8872% | 3,736 |
| Assets per employee ($millions) | 2.6658% | 4,873 |
| Cash dividends to net income (ytd only)* | 4.9300% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,529 |
| Loan loss allowance to noncurrent loans | 6,927.2727% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 2,310 |
| Noncurrent loans to loans | 0.0184% | 4,271 |
| Net loans and leases to total assets | 60.2583% | 2,829 |
| Net loans and leases to deposits | 73.2802% | 2,565 |
| Net loans and leases to core deposits | 98.0583% | 1,004 |
| Total domestic deposits to total assets | 82.2300% | 3,613 |
| Equity capital to assets | 10.9279% | 2,320 |
| Core capital (leverage) ratio | 11.4436% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5972% | 963 |
| Memoranda: | ||
| Average total assets | $242,635,400 | 2,633 |
| Average earning assets | $215,891,200 | 2,702 |
| Average equity | $26,614,800 | 2,701 |
| Average total loans | $179,873,200 | 2,414 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0957% | 95 |
| Cost of funding earning assets | 0.6740% | 2,174 |
| Net interest margin | 5.4217% | 83 |
| Noninterest income to average assets | 9.8207% | 70 |
| Noninterest expense to average assets | 7.6664% | 100 |
| Loan and lease loss provision to assets | 0.3078% | 1,298 |
| Net operating income to assets | 5.3744% | 43 |
| Return on assets (ROA) | 5.3950% | 41 |
| Pretax return on assets | 6.6936% | 37 |
| Return on Equity (ROE) | 49.1253% | 21 |
| Retained earnings to average equity (ytd only) | 46.4858% | 14 |
| Net charge-offs to loans | 0.0304% | 2,226 |
| Credit loss provision to net charge-offs | 1,295.1220% | 695 |
| Earnings coverage of net charge-offs (x) | 293.4878% | 364 |
| Efficiency ratio | 52.3578% | 4,306 |
| Assets per employee ($millions) | 2.6315% | 4,908 |
| Cash dividends to net income (ytd only)* | 5.3729% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 2,800 |
| Loan loss allowance to noncurrent loans | 891.2548% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 1,380 |
| Noncurrent loans to loans | 0.1320% | 3,851 |
| Net loans and leases to total assets | 74.8289% | 1,261 |
| Net loans and leases to deposits | 94.1779% | 912 |
| Net loans and leases to core deposits | 113.8044% | 565 |
| Total domestic deposits to total assets | 79.4548% | 3,974 |
| Equity capital to assets | 11.8759% | 1,753 |
| Core capital (leverage) ratio | 12.0722% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0373% | 908 |
| Memoranda: | ||
| Average total assets | $229,984,000 | 2,704 |
| Average earning assets | $204,531,500 | 2,772 |
| Average equity | $25,257,250 | 2,773 |
| Average total loans | $180,094,500 | 2,412 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3823% | 93 |
| Cost of funding earning assets | 0.6683% | 2,571 |
| Net interest margin | 5.7141% | 77 |
| Noninterest income to average assets | 7.6682% | 80 |
| Noninterest expense to average assets | 7.8610% | 92 |
| Loan and lease loss provision to assets | 0.4851% | 756 |
| Net operating income to assets | 3.2204% | 72 |
| Return on assets (ROA) | 3.2522% | 71 |
| Pretax return on assets | 4.4553% | 52 |
| Return on Equity (ROE) | 30.6114% | 57 |
| Retained earnings to average equity (ytd only) | 26.3120% | 40 |
| Net charge-offs to loans | -0.0276% | 4,507 |
| Credit loss provision to net charge-offs | -2,212.5000% | 3,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6007% | 3,183 |
| Assets per employee ($millions) | 2.7753% | 4,917 |
| Cash dividends to net income (ytd only)* | 14.0449% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 2,752 |
| Loan loss allowance to noncurrent loans | 303.7831% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 1,909 |
| Noncurrent loans to loans | 0.3803% | 3,051 |
| Net loans and leases to total assets | 79.8452% | 608 |
| Net loans and leases to deposits | 97.1453% | 718 |
| Net loans and leases to core deposits | 122.1750% | 375 |
| Total domestic deposits to total assets | 82.1915% | 3,319 |
| Equity capital to assets | 9.8835% | 3,303 |
| Core capital (leverage) ratio | 9.7883% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9650% | 1,495 |
| Memoranda: | ||
| Average total assets | $218,929,667 | 2,763 |
| Average earning assets | $195,132,333 | 2,829 |
| Average equity | $23,259,333 | 2,913 |
| Average total loans | $173,708,000 | 2,442 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1274% | 141 |
| Cost of funding earning assets | 0.7062% | 2,906 |
| Net interest margin | 5.4212% | 100 |
| Noninterest income to average assets | 3.4734% | 128 |
| Noninterest expense to average assets | 7.3944% | 108 |
| Loan and lease loss provision to assets | 0.1746% | 1,691 |
| Net operating income to assets | 0.5177% | 3,850 |
| Return on assets (ROA) | 0.5177% | 3,907 |
| Pretax return on assets | 0.7103% | 3,651 |
| Return on Equity (ROE) | 4.6625% | 3,761 |
| Retained earnings to average equity (ytd only) | 4.6625% | 2,434 |
| Net charge-offs to loans | -0.0614% | 4,696 |
| Credit loss provision to net charge-offs | -362.5000% | 3,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3117% | 521 |
| Assets per employee ($millions) | 2.2440% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,382 |
| Loan loss allowance to noncurrent loans | 242.8925% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 1,590 |
| Noncurrent loans to loans | 0.5150% | 2,719 |
| Net loans and leases to total assets | 77.6671% | 1,031 |
| Net loans and leases to deposits | 89.7569% | 1,539 |
| Net loans and leases to core deposits | 113.9729% | 664 |
| Total domestic deposits to total assets | 86.5306% | 1,761 |
| Equity capital to assets | 11.1737% | 2,708 |
| Core capital (leverage) ratio | 9.9825% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8282% | 1,649 |
| Memoranda: | ||
| Average total assets | $199,341,000 | 2,878 |
| Average earning assets | $176,713,500 | 2,948 |
| Average equity | $22,134,000 | 2,987 |
| Average total loans | $156,314,500 | 2,577 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9901% | 229 |
| Cost of funding earning assets | 0.7141% | 3,097 |
| Net interest margin | 5.2760% | 159 |
| Noninterest income to average assets | 4.2777% | 109 |
| Noninterest expense to average assets | 6.9688% | 111 |
| Loan and lease loss provision to assets | 0.3135% | 518 |
| Net operating income to assets | 1.2506% | 1,868 |
| Return on assets (ROA) | 1.2673% | 1,895 |
| Pretax return on assets | 1.7326% | 1,103 |
| Return on Equity (ROE) | 11.9963% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.9963% | 242 |
| Net charge-offs to loans | 0.1212% | 1,544 |
| Credit loss provision to net charge-offs | 337.9888% | 820 |
| Earnings coverage of net charge-offs (x) | 21.8324% | 1,873 |
| Efficiency ratio | 77.4859% | 1,208 |
| Assets per employee ($millions) | 2.1864% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,477 |
| Loan loss allowance to noncurrent loans | 235.5781% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 1,512 |
| Noncurrent loans to loans | 0.5060% | 2,673 |
| Net loans and leases to total assets | 77.2475% | 1,216 |
| Net loans and leases to deposits | 88.8174% | 1,731 |
| Net loans and leases to core deposits | 121.2136% | 444 |
| Total domestic deposits to total assets | 86.9735% | 1,621 |
| Equity capital to assets | 11.0332% | 2,963 |
| Core capital (leverage) ratio | 8.4278% | 4,880 |
| Tier 1 risk-based capital ratio | 12.1583% | 4,270 |
| Total risk-based capital ratio | 13.4468% | 4,128 |
| Memoranda: | ||
| Average total assets | $193,003,000 | 2,895 |
| Average earning assets | $172,517,000 | 2,957 |
| Average equity | $20,389,600 | 3,097 |
| Average total loans | $147,670,200 | 2,645 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8326% | 329 |
| Cost of funding earning assets | 0.7111% | 3,157 |
| Net interest margin | 5.1215% | 220 |
| Noninterest income to average assets | 3.6543% | 125 |
| Noninterest expense to average assets | 6.6890% | 119 |
| Loan and lease loss provision to assets | 0.2200% | 778 |
| Net operating income to assets | 0.9751% | 3,072 |
| Return on assets (ROA) | 0.9976% | 3,068 |
| Pretax return on assets | 1.3618% | 2,452 |
| Return on Equity (ROE) | 9.5536% | 2,646 |
| Retained earnings to average equity (ytd only) | 9.5536% | 881 |
| Net charge-offs to loans | 0.1638% | 1,031 |
| Credit loss provision to net charge-offs | 176.5363% | 1,448 |
| Earnings coverage of net charge-offs (x) | 12.4637% | 2,357 |
| Efficiency ratio | 81.1555% | 818 |
| Assets per employee ($millions) | 2.1963% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,584 |
| Loan loss allowance to noncurrent loans | 198.8564% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 1,608 |
| Noncurrent loans to loans | 0.5020% | 2,789 |
| Net loans and leases to total assets | 76.8078% | 1,344 |
| Net loans and leases to deposits | 87.3186% | 2,018 |
| Net loans and leases to core deposits | 120.6881% | 514 |
| Total domestic deposits to total assets | 87.9627% | 1,051 |
| Equity capital to assets | 10.3487% | 3,677 |
| Core capital (leverage) ratio | 8.5564% | 4,918 |
| Tier 1 risk-based capital ratio | 12.3348% | 4,245 |
| Total risk-based capital ratio | 13.4254% | 4,213 |
| Memoranda: | ||
| Average total assets | $191,513,000 | 2,933 |
| Average earning assets | $171,561,000 | 2,992 |
| Average equity | $19,999,000 | 3,153 |
| Average total loans | $145,700,750 | 2,688 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5853% | 482 |
| Cost of funding earning assets | 0.6833% | 3,258 |
| Net interest margin | 4.9020% | 350 |
| Noninterest income to average assets | 4.0287% | 118 |
| Noninterest expense to average assets | 6.7277% | 119 |
| Loan and lease loss provision to assets | 0.1670% | 1,087 |
| Net operating income to assets | 1.1160% | 2,460 |
| Return on assets (ROA) | 1.1160% | 2,534 |
| Pretax return on assets | 1.5223% | 1,783 |
| Return on Equity (ROE) | 10.6523% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.6523% | 613 |
| Net charge-offs to loans | 0.0296% | 2,265 |
| Credit loss provision to net charge-offs | 747.6190% | 446 |
| Earnings coverage of net charge-offs (x) | 75.6190% | 848 |
| Efficiency ratio | 79.9292% | 972 |
| Assets per employee ($millions) | 2.2793% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,102 |
| Loan loss allowance to noncurrent loans | 406.2338% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 1,929 |
| Noncurrent loans to loans | 0.2695% | 3,567 |
| Net loans and leases to total assets | 74.6865% | 1,769 |
| Net loans and leases to deposits | 85.2757% | 2,341 |
| Net loans and leases to core deposits | 112.2110% | 860 |
| Total domestic deposits to total assets | 87.5825% | 1,295 |
| Equity capital to assets | 10.8651% | 3,209 |
| Core capital (leverage) ratio | 9.1948% | 4,462 |
| Tier 1 risk-based capital ratio | 12.6079% | 4,072 |
| Total risk-based capital ratio | 13.7660% | 4,006 |
| Memoranda: | ||
| Average total assets | $187,999,000 | 2,970 |
| Average earning assets | $168,298,330 | 3,045 |
| Average equity | $19,695,330 | 3,174 |
| Average total loans | $142,014,670 | 2,744 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4703% | 549 |
| Cost of funding earning assets | 0.6692% | 3,208 |
| Net interest margin | 4.8011% | 412 |
| Noninterest income to average assets | 2.9775% | 147 |
| Noninterest expense to average assets | 6.3797% | 123 |
| Loan and lease loss provision to assets | 0.0427% | 2,784 |
| Net operating income to assets | 0.6254% | 4,161 |
| Return on assets (ROA) | 0.6254% | 4,204 |
| Pretax return on assets | 0.8580% | 3,898 |
| Return on Equity (ROE) | 6.0834% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.0834% | 2,426 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6283% | 505 |
| Assets per employee ($millions) | 2.0482% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,308 |
| Loan loss allowance to noncurrent loans | 813.4831% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 2,168 |
| Noncurrent loans to loans | 0.1314% | 4,145 |
| Net loans and leases to total assets | 73.5394% | 1,893 |
| Net loans and leases to deposits | 83.4939% | 2,441 |
| Net loans and leases to core deposits | 111.0299% | 878 |
| Total domestic deposits to total assets | 88.0775% | 1,297 |
| Equity capital to assets | 10.7041% | 3,159 |
| Core capital (leverage) ratio | 8.9586% | 4,681 |
| Tier 1 risk-based capital ratio | 12.5562% | 4,128 |
| Total risk-based capital ratio | 13.6758% | 4,081 |
| Memoranda: | ||
| Average total assets | $187,406,500 | 3,013 |
| Average earning assets | $167,961,000 | 3,078 |
| Average equity | $19,265,500 | 3,227 |
| Average total loans | $141,592,500 | 2,779 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6247% | 320 |
| Cost of funding earning assets | 0.6750% | 2,243 |
| Net interest margin | 4.9496% | 294 |
| Noninterest income to average assets | 3.7522% | 114 |
| Noninterest expense to average assets | 7.1938% | 104 |
| Loan and lease loss provision to assets | 0.1971% | 959 |
| Net operating income to assets | 0.6697% | 4,235 |
| Return on assets (ROA) | 0.6771% | 4,218 |
| Pretax return on assets | 0.7815% | 4,221 |
| Return on Equity (ROE) | 5.9944% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.2553% | 3,211 |
| Net charge-offs to loans | 0.0017% | 3,696 |
| Credit loss provision to net charge-offs | 16,050.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 790.0000% | 138 |
| Efficiency ratio | 88.1110% | 427 |
| Assets per employee ($millions) | 2.1878% | 5,289 |
| Cash dividends to net income (ytd only)* | 29.0118% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,877 |
| Loan loss allowance to noncurrent loans | 6,208.6957% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 2,432 |
| Noncurrent loans to loans | 0.0156% | 4,725 |
| Net loans and leases to total assets | 75.9670% | 1,621 |
| Net loans and leases to deposits | 85.4954% | 2,349 |
| Net loans and leases to core deposits | 119.5144% | 562 |
| Total domestic deposits to total assets | 88.8551% | 921 |
| Equity capital to assets | 9.8786% | 3,781 |
| Core capital (leverage) ratio | 8.1595% | 5,186 |
| Tier 1 risk-based capital ratio | 11.7227% | 4,613 |
| Total risk-based capital ratio | 12.7854% | 4,613 |
| Memoranda: | ||
| Average total assets | $162,890,800 | 3,240 |
| Average earning assets | $145,182,200 | 3,311 |
| Average equity | $18,400,400 | 3,254 |
| Average total loans | $118,683,200 | 3,007 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4735% | 386 |
| Cost of funding earning assets | 0.6575% | 2,105 |
| Net interest margin | 4.8159% | 366 |
| Noninterest income to average assets | 3.9523% | 119 |
| Noninterest expense to average assets | 7.3662% | 104 |
| Loan and lease loss provision to assets | 0.1578% | 1,231 |
| Net operating income to assets | 0.4588% | 4,840 |
| Return on assets (ROA) | 0.4588% | 4,850 |
| Pretax return on assets | 0.7057% | 4,522 |
| Return on Equity (ROE) | 3.9095% | 4,834 |
| Retained earnings to average equity (ytd only) | 1.5711% | 4,703 |
| Net charge-offs to loans | 0.0024% | 3,399 |
| Credit loss provision to net charge-offs | 9,200.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 502.8577% | 184 |
| Efficiency ratio | 89.4967% | 343 |
| Assets per employee ($millions) | 2.0518% | 5,374 |
| Cash dividends to net income (ytd only)* | 59.8133% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 4,092 |
| Loan loss allowance to noncurrent loans | 2,082.2581% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 2,398 |
| Noncurrent loans to loans | 0.0451% | 4,696 |
| Net loans and leases to total assets | 72.9291% | 2,179 |
| Net loans and leases to deposits | 82.1381% | 2,802 |
| Net loans and leases to core deposits | 104.6312% | 1,409 |
| Total domestic deposits to total assets | 88.7885% | 916 |
| Equity capital to assets | 9.8040% | 3,815 |
| Core capital (leverage) ratio | 8.4884% | 5,100 |
| Tier 1 risk-based capital ratio | 12.5542% | 4,183 |
| Total risk-based capital ratio | 13.5868% | 4,185 |
| Memoranda: | ||
| Average total assets | $155,481,750 | 3,353 |
| Average earning assets | $138,093,250 | 3,418 |
| Average equity | $18,245,750 | 3,291 |
| Average total loans | $111,432,750 | 3,141 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2426% | 517 |
| Cost of funding earning assets | 0.6430% | 1,971 |
| Net interest margin | 4.5996% | 548 |
| Noninterest income to average assets | 4.3799% | 108 |
| Noninterest expense to average assets | 7.4680% | 102 |
| Loan and lease loss provision to assets | 0.1654% | 1,114 |
| Net operating income to assets | 0.5087% | 4,732 |
| Return on assets (ROA) | 0.5087% | 4,737 |
| Pretax return on assets | 0.8093% | 4,217 |
| Return on Equity (ROE) | 4.0492% | 4,809 |
| Retained earnings to average equity (ytd only) | 0.5377% | 4,854 |
| Net charge-offs to loans | 0.0039% | 3,040 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 353.5000% | 258 |
| Efficiency ratio | 88.4553% | 437 |
| Assets per employee ($millions) | 2.1013% | 5,433 |
| Cash dividends to net income (ytd only)* | 86.7209% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,634 |
| Loan loss allowance to noncurrent loans | 966.1417% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,034 |
| Noncurrent loans to loans | 0.1069% | 4,435 |
| Net loans and leases to total assets | 71.7391% | 2,315 |
| Net loans and leases to deposits | 82.0378% | 2,766 |
| Net loans and leases to core deposits | 86.4143% | 2,887 |
| Total domestic deposits to total assets | 87.4464% | 1,670 |
| Equity capital to assets | 11.1028% | 2,540 |
| Core capital (leverage) ratio | 11.0810% | 2,450 |
| Tier 1 risk-based capital ratio | 14.3735% | 3,169 |
| Total risk-based capital ratio | 15.4748% | 3,171 |
| Memoranda: | ||
| Average total assets | $145,072,330 | 3,500 |
| Average earning assets | $128,142,000 | 3,586 |
| Average equity | $18,226,000 | 3,308 |
| Average total loans | $102,758,000 | 3,291 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 421 |
| Cost of funding earning assets | 0.6529% | 1,706 |
| Net interest margin | 4.6244% | 474 |
| Noninterest income to average assets | 4.3551% | 107 |
| Noninterest expense to average assets | 7.4777% | 102 |
| Loan and lease loss provision to assets | 0.1769% | 982 |
| Net operating income to assets | 0.4217% | 4,883 |
| Return on assets (ROA) | 0.4217% | 4,889 |
| Pretax return on assets | 0.7519% | 4,288 |
| Return on Equity (ROE) | 3.1714% | 4,980 |
| Retained earnings to average equity (ytd only) | -3.9255% | 5,135 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9512% | 489 |
| Assets per employee ($millions) | 1.8916% | 5,512 |
| Cash dividends to net income (ytd only)* | 223.7762% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,725 |
| Loan loss allowance to noncurrent loans | 2,780.9524% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 1,901 |
| Noncurrent loans to loans | 0.0437% | 4,778 |
| Net loans and leases to total assets | 68.8298% | 2,657 |
| Net loans and leases to deposits | 80.8398% | 2,716 |
| Net loans and leases to core deposits | 120.0169% | 587 |
| Total domestic deposits to total assets | 85.1434% | 2,886 |
| Equity capital to assets | 13.0838% | 1,195 |
| Core capital (leverage) ratio | 11.8515% | 1,744 |
| Tier 1 risk-based capital ratio | 17.2368% | 2,049 |
| Total risk-based capital ratio | 18.5056% | 1,995 |
| Memoranda: | ||
| Average total assets | $135,656,000 | 3,663 |
| Average earning assets | $118,849,000 | 3,767 |
| Average equity | $18,036,000 | 3,352 |
| Average total loans | $94,731,500 | 3,452 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0786% | 558 |
| Cost of funding earning assets | 0.6519% | 1,284 |
| Net interest margin | 4.4266% | 722 |
| Noninterest income to average assets | 4.4707% | 120 |
| Noninterest expense to average assets | 6.7094% | 125 |
| Loan and lease loss provision to assets | 0.1430% | 1,586 |
| Net operating income to assets | 0.8857% | 2,790 |
| Return on assets (ROA) | 0.8857% | 2,814 |
| Pretax return on assets | 1.4760% | 1,735 |
| Return on Equity (ROE) | 6.8629% | 3,347 |
| Retained earnings to average equity (ytd only) | 4.8246% | 2,238 |
| Net charge-offs to loans | 0.0335% | 3,118 |
| Credit loss provision to net charge-offs | 625.8065% | 513 |
| Earnings coverage of net charge-offs (x) | 70.8710% | 846 |
| Efficiency ratio | 80.5521% | 1,054 |
| Assets per employee ($millions) | 1.8250% | 5,584 |
| Cash dividends to net income (ytd only)* | 29.7005% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,842 |
| Loan loss allowance to noncurrent loans | 734.4371% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.9615% | 1,612 |
| Noncurrent loans to loans | 0.1619% | 4,281 |
| Net loans and leases to total assets | 69.1619% | 2,652 |
| Net loans and leases to deposits | 88.6022% | 1,945 |
| Net loans and leases to core deposits | 145.7604% | 154 |
| Total domestic deposits to total assets | 78.0589% | 4,709 |
| Equity capital to assets | 13.5147% | 1,054 |
| Core capital (leverage) ratio | 12.0493% | 1,577 |
| Tier 1 risk-based capital ratio | 17.4019% | 1,968 |
| Total risk-based capital ratio | 18.6011% | 1,936 |
| Memoranda: | ||
| Average total assets | $135,705,400 | 3,670 |
| Average earning assets | $118,262,000 | 3,778 |
| Average equity | $17,514,400 | 3,427 |
| Average total loans | $92,439,200 | 3,482 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 600 |
| Cost of funding earning assets | 0.6479% | 1,252 |
| Net interest margin | 4.3612% | 803 |
| Noninterest income to average assets | 4.3444% | 132 |
| Noninterest expense to average assets | 6.6574% | 128 |
| Loan and lease loss provision to assets | 0.1604% | 1,282 |
| Net operating income to assets | 0.7951% | 3,539 |
| Return on assets (ROA) | 0.7951% | 3,588 |
| Pretax return on assets | 1.3252% | 2,380 |
| Return on Equity (ROE) | 6.2327% | 4,021 |
| Retained earnings to average equity (ytd only) | 3.4958% | 3,837 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7439% | 935 |
| Assets per employee ($millions) | 1.9622% | 5,631 |
| Cash dividends to net income (ytd only)* | 43.9117% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,277 |
| Loan loss allowance to noncurrent loans | 236.1702% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 1,418 |
| Noncurrent loans to loans | 0.4807% | 3,243 |
| Net loans and leases to total assets | 70.3816% | 2,503 |
| Net loans and leases to deposits | 85.2479% | 2,403 |
| Net loans and leases to core deposits | 137.0573% | 242 |
| Total domestic deposits to total assets | 82.5611% | 3,600 |
| Equity capital to assets | 12.9286% | 1,426 |
| Core capital (leverage) ratio | 11.3964% | 2,101 |
| Tier 1 risk-based capital ratio | 17.1500% | 2,118 |
| Total risk-based capital ratio | 18.3595% | 2,084 |
| Memoranda: | ||
| Average total assets | $136,325,500 | 3,700 |
| Average earning assets | $118,740,500 | 3,811 |
| Average equity | $17,391,750 | 3,478 |
| Average total loans | $92,236,500 | 3,520 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9213% | 664 |
| Cost of funding earning assets | 0.6384% | 1,210 |
| Net interest margin | 4.2829% | 903 |
| Noninterest income to average assets | 4.2123% | 138 |
| Noninterest expense to average assets | 6.4317% | 140 |
| Loan and lease loss provision to assets | 0.1971% | 936 |
| Net operating income to assets | 0.7810% | 3,482 |
| Return on assets (ROA) | 0.7810% | 3,535 |
| Pretax return on assets | 1.3031% | 2,374 |
| Return on Equity (ROE) | 6.1495% | 3,981 |
| Retained earnings to average equity (ytd only) | 2.0151% | 4,450 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0866% | 1,099 |
| Assets per employee ($millions) | 1.8186% | 5,696 |
| Cash dividends to net income (ytd only)* | 67.2316% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 3,072 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 1,269 |
| Noncurrent loans to loans | 0.7147% | 2,605 |
| Net loans and leases to total assets | 65.6788% | 3,153 |
| Net loans and leases to deposits | 78.3786% | 3,079 |
| Net loans and leases to core deposits | 119.1741% | 587 |
| Total domestic deposits to total assets | 83.7969% | 3,284 |
| Equity capital to assets | 12.8261% | 1,459 |
| Core capital (leverage) ratio | 11.6791% | 1,843 |
| Tier 1 risk-based capital ratio | 17.4600% | 2,021 |
| Total risk-based capital ratio | 18.6756% | 1,988 |
| Memoranda: | ||
| Average total assets | $135,982,670 | 3,724 |
| Average earning assets | $118,098,670 | 3,835 |
| Average equity | $17,269,670 | 3,504 |
| Average total loans | $90,388,000 | 3,570 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 612 |
| Cost of funding earning assets | 0.6355% | 1,158 |
| Net interest margin | 4.2762% | 832 |
| Noninterest income to average assets | 4.8491% | 120 |
| Noninterest expense to average assets | 6.5077% | 144 |
| Loan and lease loss provision to assets | 0.3064% | 426 |
| Net operating income to assets | 1.0576% | 2,040 |
| Return on assets (ROA) | 1.0576% | 2,083 |
| Pretax return on assets | 1.7617% | 880 |
| Return on Equity (ROE) | 8.3695% | 2,733 |
| Retained earnings to average equity (ytd only) | 0.0466% | 4,904 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8846% | 1,926 |
| Assets per employee ($millions) | 2.2970% | 5,689 |
| Cash dividends to net income (ytd only)* | 99.4429% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 3,037 |
| Loan loss allowance to noncurrent loans | 182.2917% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 1,362 |
| Noncurrent loans to loans | 0.6669% | 2,841 |
| Net loans and leases to total assets | 62.9598% | 3,405 |
| Net loans and leases to deposits | 75.1504% | 3,287 |
| Net loans and leases to core deposits | 115.0305% | 631 |
| Total domestic deposits to total assets | 83.7784% | 3,559 |
| Equity capital to assets | 12.6820% | 1,417 |
| Core capital (leverage) ratio | 11.3892% | 2,033 |
| Tier 1 risk-based capital ratio | 16.7478% | 2,264 |
| Total risk-based capital ratio | 17.8857% | 2,270 |
| Memoranda: | ||
| Average total assets | $135,777,000 | 3,759 |
| Average earning assets | $118,329,500 | 3,863 |
| Average equity | $17,157,500 | 3,528 |
| Average total loans | $90,251,000 | 3,596 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,195 |
| Cost of funding earning assets | 0.6526% | 1,039 |
| Net interest margin | 3.9851% | 1,672 |
| Noninterest income to average assets | 5.3819% | 115 |
| Noninterest expense to average assets | 6.6134% | 140 |
| Loan and lease loss provision to assets | 0.1380% | 1,807 |
| Net operating income to assets | 1.3638% | 1,072 |
| Return on assets (ROA) | 1.3850% | 1,076 |
| Pretax return on assets | 2.1182% | 386 |
| Return on Equity (ROE) | 10.8969% | 1,615 |
| Retained earnings to average equity (ytd only) | 9.5249% | 494 |
| Net charge-offs to loans | 0.0252% | 3,539 |
| Credit loss provision to net charge-offs | 847.6190% | 434 |
| Earnings coverage of net charge-offs (x) | 136.6190% | 459 |
| Efficiency ratio | 74.8290% | 2,159 |
| Assets per employee ($millions) | 2.3056% | 5,737 |
| Cash dividends to net income (ytd only)* | 12.5909% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,292 |
| Loan loss allowance to noncurrent loans | 156.3636% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2754% | 1,395 |
| Noncurrent loans to loans | 0.6427% | 2,925 |
| Net loans and leases to total assets | 68.4998% | 2,703 |
| Net loans and leases to deposits | 85.8946% | 2,187 |
| Net loans and leases to core deposits | 126.5393% | 337 |
| Total domestic deposits to total assets | 79.7487% | 4,617 |
| Equity capital to assets | 12.5912% | 1,468 |
| Core capital (leverage) ratio | 12.2224% | 1,464 |
| Tier 1 risk-based capital ratio | 17.0624% | 2,135 |
| Total risk-based capital ratio | 18.0875% | 2,165 |
| Memoranda: | ||
| Average total assets | $129,026,000 | 3,849 |
| Average earning assets | $111,868,000 | 3,973 |
| Average equity | $16,399,200 | 3,639 |
| Average total loans | $83,286,000 | 3,734 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,191 |
| Cost of funding earning assets | 0.6706% | 945 |
| Net interest margin | 3.9785% | 1,715 |
| Noninterest income to average assets | 5.1803% | 117 |
| Noninterest expense to average assets | 6.6427% | 144 |
| Loan and lease loss provision to assets | 0.0314% | 3,600 |
| Net operating income to assets | 1.1682% | 1,735 |
| Return on assets (ROA) | 1.1963% | 1,747 |
| Pretax return on assets | 1.9935% | 577 |
| Return on Equity (ROE) | 9.3891% | 2,309 |
| Retained earnings to average equity (ytd only) | 7.5392% | 1,385 |
| Net charge-offs to loans | -0.2399% | 5,803 |
| Credit loss provision to net charge-offs | -20.6897% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0165% | 1,834 |
| Assets per employee ($millions) | 2.2994% | 5,804 |
| Cash dividends to net income (ytd only)* | 19.7021% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,780 |
| Loan loss allowance to noncurrent loans | 92.6923% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.6557% | 1,042 |
| Noncurrent loans to loans | 1.1966% | 1,874 |
| Net loans and leases to total assets | 65.5784% | 3,191 |
| Net loans and leases to deposits | 83.2818% | 2,573 |
| Net loans and leases to core deposits | 120.0634% | 501 |
| Total domestic deposits to total assets | 78.7428% | 4,782 |
| Equity capital to assets | 12.8279% | 1,578 |
| Core capital (leverage) ratio | 12.0186% | 1,664 |
| Tier 1 risk-based capital ratio | 16.6476% | 2,359 |
| Total risk-based capital ratio | 17.7079% | 2,385 |
| Memoranda: | ||
| Average total assets | $127,274,750 | 3,904 |
| Average earning assets | $110,155,750 | 4,023 |
| Average equity | $16,217,000 | 3,695 |
| Average total loans | $80,575,750 | 3,808 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,208 |
| Cost of funding earning assets | 0.6934% | 831 |
| Net interest margin | 3.9354% | 1,858 |
| Noninterest income to average assets | 4.8647% | 127 |
| Noninterest expense to average assets | 6.4439% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1000% | 1,955 |
| Return on assets (ROA) | 1.1142% | 2,027 |
| Pretax return on assets | 1.8570% | 769 |
| Return on Equity (ROE) | 8.7650% | 2,598 |
| Retained earnings to average equity (ytd only) | 5.9557% | 2,137 |
| Net charge-offs to loans | -0.3696% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8374% | 1,815 |
| Assets per employee ($millions) | 2.2736% | 5,871 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,508 |
| Loan loss allowance to noncurrent loans | 89.1221% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.7106% | 1,041 |
| Noncurrent loans to loans | 1.3168% | 1,713 |
| Net loans and leases to total assets | 61.7747% | 3,648 |
| Net loans and leases to deposits | 73.1931% | 3,685 |
| Net loans and leases to core deposits | 102.4087% | 1,441 |
| Total domestic deposits to total assets | 84.3996% | 3,121 |
| Equity capital to assets | 12.8923% | 1,567 |
| Core capital (leverage) ratio | 11.6627% | 1,861 |
| Tier 1 risk-based capital ratio | 16.6629% | 2,372 |
| Total risk-based capital ratio | 17.7192% | 2,383 |
| Memoranda: | ||
| Average total assets | $126,011,000 | 3,943 |
| Average earning assets | $109,315,670 | 4,071 |
| Average equity | $16,018,330 | 3,729 |
| Average total loans | $78,462,670 | 3,885 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,487 |
| Cost of funding earning assets | 0.7162% | 747 |
| Net interest margin | 3.7906% | 2,322 |
| Noninterest income to average assets | 5.0513% | 118 |
| Noninterest expense to average assets | 6.3277% | 160 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2072% | 1,528 |
| Return on assets (ROA) | 1.2317% | 1,554 |
| Pretax return on assets | 2.0550% | 508 |
| Return on Equity (ROE) | 9.7598% | 2,088 |
| Retained earnings to average equity (ytd only) | 4.0708% | 3,453 |
| Net charge-offs to loans | 0.0154% | 2,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 210.6667% | 288 |
| Efficiency ratio | 75.8317% | 2,197 |
| Assets per employee ($millions) | 2.4153% | 5,889 |
| Cash dividends to net income (ytd only)* | 58.2902% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 4,507 |
| Loan loss allowance to noncurrent loans | 75.7956% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.7253% | 1,107 |
| Noncurrent loans to loans | 1.3417% | 1,775 |
| Net loans and leases to total assets | 60.9134% | 3,660 |
| Net loans and leases to deposits | 71.8332% | 3,664 |
| Net loans and leases to core deposits | 100.3515% | 1,454 |
| Total domestic deposits to total assets | 84.7983% | 3,202 |
| Equity capital to assets | 12.7343% | 1,540 |
| Core capital (leverage) ratio | 11.5306% | 1,951 |
| Tier 1 risk-based capital ratio | 16.5649% | 2,451 |
| Total risk-based capital ratio | 17.4789% | 2,535 |
| Memoranda: | ||
| Average total assets | $125,354,500 | 3,988 |
| Average earning assets | $108,901,000 | 4,109 |
| Average equity | $15,820,000 | 3,756 |
| Average total loans | $77,900,000 | 3,919 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 972 |
| Cost of funding earning assets | 0.8002% | 490 |
| Net interest margin | 3.9698% | 1,812 |
| Noninterest income to average assets | 4.6963% | 134 |
| Noninterest expense to average assets | 6.6779% | 150 |
| Loan and lease loss provision to assets | 0.0506% | 3,311 |
| Net operating income to assets | 0.8467% | 3,130 |
| Return on assets (ROA) | 0.9120% | 2,883 |
| Pretax return on assets | 1.5197% | 1,495 |
| Return on Equity (ROE) | 7.1176% | 3,455 |
| Retained earnings to average equity (ytd only) | 5.8019% | 1,892 |
| Net charge-offs to loans | 0.6153% | 392 |
| Credit loss provision to net charge-offs | 13.7300% | 3,798 |
| Earnings coverage of net charge-offs (x) | 3.9863% | 3,625 |
| Efficiency ratio | 81.9659% | 1,417 |
| Assets per employee ($millions) | 2.1205% | 6,023 |
| Cash dividends to net income (ytd only)* | 18.4843% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,575 |
| Loan loss allowance to noncurrent loans | 114.0173% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4563% | 1,413 |
| Noncurrent loans to loans | 0.8814% | 2,590 |
| Net loans and leases to total assets | 62.1200% | 3,544 |
| Net loans and leases to deposits | 74.6064% | 3,426 |
| Net loans and leases to core deposits | 105.6639% | 1,118 |
| Total domestic deposits to total assets | 83.2637% | 3,749 |
| Equity capital to assets | 12.5057% | 1,621 |
| Core capital (leverage) ratio | 11.6334% | 1,868 |
| Tier 1 risk-based capital ratio | 16.6937% | 2,394 |
| Total risk-based capital ratio | 17.5881% | 2,508 |
| Memoranda: | ||
| Average total assets | $118,645,400 | 4,085 |
| Average earning assets | $103,103,600 | 4,208 |
| Average equity | $15,201,800 | 3,807 |
| Average total loans | $71,021,600 | 4,069 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 943 |
| Cost of funding earning assets | 0.7955% | 509 |
| Net interest margin | 4.0011% | 1,702 |
| Noninterest income to average assets | 4.7132% | 139 |
| Noninterest expense to average assets | 6.8141% | 154 |
| Loan and lease loss provision to assets | 0.0342% | 3,538 |
| Net operating income to assets | 0.7984% | 3,429 |
| Return on assets (ROA) | 0.8647% | 3,200 |
| Pretax return on assets | 1.4412% | 1,858 |
| Return on Equity (ROE) | 6.7059% | 3,776 |
| Retained earnings to average equity (ytd only) | 4.9389% | 2,953 |
| Net charge-offs to loans | 0.7153% | 296 |
| Credit loss provision to net charge-offs | 8.0863% | 3,465 |
| Earnings coverage of net charge-offs (x) | 3.2453% | 3,536 |
| Efficiency ratio | 83.2289% | 1,237 |
| Assets per employee ($millions) | 2.0457% | 6,127 |
| Cash dividends to net income (ytd only)* | 26.3506% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,908 |
| Loan loss allowance to noncurrent loans | 220.8556% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 1.2052% | 1,962 |
| Noncurrent loans to loans | 0.5224% | 3,781 |
| Net loans and leases to total assets | 56.7122% | 4,279 |
| Net loans and leases to deposits | 66.5557% | 4,329 |
| Net loans and leases to core deposits | 95.5357% | 1,928 |
| Total domestic deposits to total assets | 85.2101% | 2,924 |
| Equity capital to assets | 12.3473% | 1,834 |
| Core capital (leverage) ratio | 11.6711% | 1,906 |
| Tier 1 risk-based capital ratio | 17.1704% | 2,305 |
| Total risk-based capital ratio | 18.1549% | 2,361 |
| Memoranda: | ||
| Average total assets | $117,029,000 | 4,161 |
| Average earning assets | $101,569,000 | 4,291 |
| Average equity | $15,090,750 | 3,859 |
| Average total loans | $69,150,000 | 4,151 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 1,049 |
| Cost of funding earning assets | 0.7975% | 507 |
| Net interest margin | 3.9146% | 1,928 |
| Noninterest income to average assets | 4.9370% | 130 |
| Noninterest expense to average assets | 6.8960% | 154 |
| Loan and lease loss provision to assets | 0.0175% | 3,781 |
| Net operating income to assets | 0.8416% | 3,162 |
| Return on assets (ROA) | 0.9367% | 2,822 |
| Pretax return on assets | 1.5606% | 1,452 |
| Return on Equity (ROE) | 7.1538% | 3,524 |
| Retained earnings to average equity (ytd only) | 4.4845% | 3,159 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8296% | 1,396 |
| Assets per employee ($millions) | 2.1001% | 6,192 |
| Cash dividends to net income (ytd only)* | 37.3134% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6440% | 1,766 |
| Loan loss allowance to noncurrent loans | 153.7255% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5914% | 1,514 |
| Noncurrent loans to loans | 1.0694% | 2,508 |
| Net loans and leases to total assets | 58.7775% | 4,008 |
| Net loans and leases to deposits | 69.2333% | 4,014 |
| Net loans and leases to core deposits | 105.1720% | 1,116 |
| Total domestic deposits to total assets | 84.8977% | 3,163 |
| Equity capital to assets | 12.6796% | 1,564 |
| Core capital (leverage) ratio | 11.7936% | 1,779 |
| Tier 1 risk-based capital ratio | 18.3140% | 1,980 |
| Total risk-based capital ratio | 19.5832% | 1,935 |
| Memoranda: | ||
| Average total assets | $114,442,670 | 4,245 |
| Average earning assets | $99,064,000 | 4,395 |
| Average equity | $14,985,000 | 3,893 |
| Average total loans | $68,334,670 | 4,207 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,346 |
| Cost of funding earning assets | 0.7993% | 502 |
| Net interest margin | 3.7438% | 2,452 |
| Noninterest income to average assets | 4.1677% | 153 |
| Noninterest expense to average assets | 6.5646% | 166 |
| Loan and lease loss provision to assets | 0.0358% | 3,184 |
| Net operating income to assets | 0.4794% | 4,768 |
| Return on assets (ROA) | 0.4794% | 4,883 |
| Pretax return on assets | 0.8013% | 4,234 |
| Return on Equity (ROE) | 3.6001% | 5,141 |
| Retained earnings to average equity (ytd only) | -1.7732% | 5,663 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6902% | 962 |
| Assets per employee ($millions) | 1.9217% | 6,294 |
| Cash dividends to net income (ytd only)* | 149.2537% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 1,641 |
| Loan loss allowance to noncurrent loans | 247.0588% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6964% | 1,479 |
| Noncurrent loans to loans | 0.7041% | 3,516 |
| Net loans and leases to total assets | 57.6109% | 4,006 |
| Net loans and leases to deposits | 68.9009% | 3,869 |
| Net loans and leases to core deposits | 103.2004% | 1,110 |
| Total domestic deposits to total assets | 83.6142% | 3,968 |
| Equity capital to assets | 12.9045% | 1,447 |
| Core capital (leverage) ratio | 12.3118% | 1,450 |
| Tier 1 risk-based capital ratio | 15.1328% | 3,361 |
| Total risk-based capital ratio | 16.3831% | 3,282 |
| Memoranda: | ||
| Average total assets | $111,812,000 | 4,334 |
| Average earning assets | $96,586,500 | 4,490 |
| Average equity | $14,888,500 | 3,930 |
| Average total loans | $66,734,500 | 4,279 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 785 |
| Cost of funding earning assets | 0.8194% | 587 |
| Net interest margin | 4.1739% | 1,373 |
| Noninterest income to average assets | 4.7423% | 132 |
| Noninterest expense to average assets | 6.7631% | 148 |
| Loan and lease loss provision to assets | 0.0915% | 2,635 |
| Net operating income to assets | 0.9214% | 2,769 |
| Return on assets (ROA) | 0.9413% | 2,762 |
| Pretax return on assets | 1.4838% | 1,604 |
| Return on Equity (ROE) | 7.1772% | 3,536 |
| Retained earnings to average equity (ytd only) | 5.7822% | 2,075 |
| Net charge-offs to loans | -0.0064% | 5,500 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4007% | 1,725 |
| Assets per employee ($millions) | 2.0060% | 6,373 |
| Cash dividends to net income (ytd only)* | 19.4363% | 3,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7702% | 1,597 |
| Loan loss allowance to noncurrent loans | 225.0965% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.8528% | 1,402 |
| Noncurrent loans to loans | 0.7864% | 3,339 |
| Net loans and leases to total assets | 59.7297% | 3,823 |
| Net loans and leases to deposits | 71.4597% | 3,741 |
| Net loans and leases to core deposits | 107.3608% | 936 |
| Total domestic deposits to total assets | 83.5852% | 3,887 |
| Equity capital to assets | 13.7533% | 1,047 |
| Core capital (leverage) ratio | 12.6421% | 1,287 |
| Tier 1 risk-based capital ratio | 19.3876% | 1,752 |
| Total risk-based capital ratio | 20.6422% | 1,717 |
| Memoranda: | ||
| Average total assets | $109,314,200 | 4,394 |
| Average earning assets | $93,365,400 | 4,572 |
| Average equity | $14,337,000 | 3,971 |
| Average total loans | $62,454,800 | 4,412 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 751 |
| Cost of funding earning assets | 0.8108% | 648 |
| Net interest margin | 4.2024% | 1,285 |
| Noninterest income to average assets | 4.5769% | 134 |
| Noninterest expense to average assets | 6.7211% | 146 |
| Loan and lease loss provision to assets | 0.1095% | 2,217 |
| Net operating income to assets | 0.7200% | 3,837 |
| Return on assets (ROA) | 0.9383% | 2,830 |
| Pretax return on assets | 1.5638% | 1,449 |
| Return on Equity (ROE) | 7.2409% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.3626% | 2,839 |
| Net charge-offs to loans | -0.0043% | 5,276 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2951% | 1,576 |
| Assets per employee ($millions) | 2.0414% | 6,437 |
| Cash dividends to net income (ytd only)* | 25.9404% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 1,958 |
| Loan loss allowance to noncurrent loans | 223.6434% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.7539% | 1,706 |
| Noncurrent loans to loans | 0.7619% | 3,693 |
| Net loans and leases to total assets | 58.2344% | 4,036 |
| Net loans and leases to deposits | 69.3729% | 3,984 |
| Net loans and leases to core deposits | 101.8746% | 1,224 |
| Total domestic deposits to total assets | 83.9441% | 3,790 |
| Equity capital to assets | 12.7573% | 1,548 |
| Core capital (leverage) ratio | 12.4729% | 1,412 |
| Tier 1 risk-based capital ratio | 18.9201% | 1,923 |
| Total risk-based capital ratio | 20.1738% | 1,891 |
| Memoranda: | ||
| Average total assets | $109,562,000 | 4,429 |
| Average earning assets | $93,564,000 | 4,608 |
| Average equity | $14,196,750 | 4,017 |
| Average total loans | $61,601,750 | 4,479 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0937% | 620 |
| Cost of funding earning assets | 0.8190% | 647 |
| Net interest margin | 4.2747% | 1,081 |
| Noninterest income to average assets | 4.4269% | 132 |
| Noninterest expense to average assets | 6.6292% | 151 |
| Loan and lease loss provision to assets | 0.1111% | 2,172 |
| Net operating income to assets | 0.6754% | 3,965 |
| Return on assets (ROA) | 0.9632% | 2,576 |
| Pretax return on assets | 1.6059% | 1,241 |
| Return on Equity (ROE) | 7.3928% | 3,421 |
| Retained earnings to average equity (ytd only) | 4.5494% | 3,275 |
| Net charge-offs to loans | -0.0034% | 5,117 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4275% | 1,698 |
| Assets per employee ($millions) | 2.0309% | 6,495 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 1,899 |
| Loan loss allowance to noncurrent loans | 510.4545% | 902 |
| Noncurrent assets plus other real estate owned to assets | 1.5657% | 2,084 |
| Noncurrent loans to loans | 0.3486% | 4,959 |
| Net loans and leases to total assets | 56.5180% | 4,198 |
| Net loans and leases to deposits | 67.8864% | 4,066 |
| Net loans and leases to core deposits | 101.3523% | 1,181 |
| Total domestic deposits to total assets | 83.2537% | 4,210 |
| Equity capital to assets | 13.0897% | 1,326 |
| Core capital (leverage) ratio | 13.4807% | 982 |
| Tier 1 risk-based capital ratio | 21.0823% | 1,434 |
| Total risk-based capital ratio | 22.3376% | 1,406 |
| Memoranda: | ||
| Average total assets | $107,976,330 | 4,490 |
| Average earning assets | $91,329,000 | 4,693 |
| Average equity | $14,067,670 | 4,039 |
| Average total loans | $59,560,000 | 4,562 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 849 |
| Cost of funding earning assets | 0.8178% | 678 |
| Net interest margin | 4.0980% | 1,454 |
| Noninterest income to average assets | 3.5134% | 160 |
| Noninterest expense to average assets | 6.0225% | 188 |
| Loan and lease loss provision to assets | 0.1120% | 2,079 |
| Net operating income to assets | 0.4107% | 5,078 |
| Return on assets (ROA) | 0.6721% | 3,916 |
| Pretax return on assets | 1.1201% | 2,816 |
| Return on Equity (ROE) | 5.1709% | 4,455 |
| Retained earnings to average equity (ytd only) | -0.5745% | 5,659 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1185% | 1,437 |
| Assets per employee ($millions) | 1.8847% | 6,599 |
| Cash dividends to net income (ytd only)* | 111.1111% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 1,748 |
| Loan loss allowance to noncurrent loans | 557.1429% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.5759% | 2,238 |
| Noncurrent loans to loans | 0.3412% | 5,090 |
| Net loans and leases to total assets | 52.4509% | 4,623 |
| Net loans and leases to deposits | 62.4350% | 4,500 |
| Net loans and leases to core deposits | 92.5603% | 1,679 |
| Total domestic deposits to total assets | 84.0088% | 4,271 |
| Equity capital to assets | 12.9287% | 1,338 |
| Core capital (leverage) ratio | 13.2122% | 1,082 |
| Tier 1 risk-based capital ratio | 20.5917% | 1,560 |
| Total risk-based capital ratio | 21.8463% | 1,531 |
| Memoranda: | ||
| Average total assets | $107,131,500 | 4,553 |
| Average earning assets | $90,970,500 | 4,749 |
| Average equity | $13,924,000 | 4,057 |
| Average total loans | $57,788,000 | 4,662 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 1,384 |
| Cost of funding earning assets | 0.8476% | 957 |
| Net interest margin | 3.9211% | 2,216 |
| Noninterest income to average assets | 4.9415% | 138 |
| Noninterest expense to average assets | 6.8960% | 151 |
| Loan and lease loss provision to assets | 0.1056% | 3,029 |
| Net operating income to assets | 0.8368% | 3,102 |
| Return on assets (ROA) | 1.1112% | 1,966 |
| Pretax return on assets | 1.5944% | 1,184 |
| Return on Equity (ROE) | 8.5590% | 2,753 |
| Retained earnings to average equity (ytd only) | 7.0794% | 1,407 |
| Net charge-offs to loans | 0.1224% | 3,586 |
| Credit loss provision to net charge-offs | 146.6667% | 1,587 |
| Earnings coverage of net charge-offs (x) | 19.7467% | 1,591 |
| Efficiency ratio | 82.8888% | 1,765 |
| Assets per employee ($millions) | 2.0545% | 6,622 |
| Cash dividends to net income (ytd only)* | 17.2861% | 3,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 1,984 |
| Loan loss allowance to noncurrent loans | 103.5088% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 2.3850% | 1,454 |
| Noncurrent loans to loans | 1.7648% | 2,284 |
| Net loans and leases to total assets | 53.4235% | 4,665 |
| Net loans and leases to deposits | 63.6110% | 4,545 |
| Net loans and leases to core deposits | 93.8996% | 1,610 |
| Total domestic deposits to total assets | 83.9846% | 4,172 |
| Equity capital to assets | 13.0659% | 1,246 |
| Core capital (leverage) ratio | 13.1270% | 1,091 |
| Tier 1 risk-based capital ratio | 20.9462% | 1,428 |
| Total risk-based capital ratio | 22.2000% | 1,409 |
| Memoranda: | ||
| Average total assets | $104,117,600 | 4,643 |
| Average earning assets | $89,669,200 | 4,786 |
| Average equity | $13,518,000 | 4,164 |
| Average total loans | $61,278,000 | 4,573 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 1,247 |
| Cost of funding earning assets | 0.8443% | 1,076 |
| Net interest margin | 4.0028% | 1,936 |
| Noninterest income to average assets | 4.4882% | 157 |
| Noninterest expense to average assets | 6.5338% | 167 |
| Loan and lease loss provision to assets | 0.1031% | 3,047 |
| Net operating income to assets | 0.8564% | 3,067 |
| Return on assets (ROA) | 1.1304% | 1,956 |
| Pretax return on assets | 1.5919% | 1,354 |
| Return on Equity (ROE) | 8.7211% | 2,779 |
| Retained earnings to average equity (ytd only) | 6.7322% | 2,012 |
| Net charge-offs to loans | 0.1590% | 2,961 |
| Credit loss provision to net charge-offs | 108.1081% | 2,169 |
| Earnings coverage of net charge-offs (x) | 14.8790% | 1,908 |
| Efficiency ratio | 82.1394% | 1,807 |
| Assets per employee ($millions) | 1.9782% | 6,709 |
| Cash dividends to net income (ytd only)* | 22.8051% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 2,947 |
| Loan loss allowance to noncurrent loans | 111.1948% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 2.2619% | 1,754 |
| Noncurrent loans to loans | 1.4513% | 2,990 |
| Net loans and leases to total assets | 57.8850% | 4,027 |
| Net loans and leases to deposits | 68.6460% | 3,978 |
| Net loans and leases to core deposits | 98.9722% | 1,174 |
| Total domestic deposits to total assets | 84.3238% | 4,057 |
| Equity capital to assets | 12.5788% | 1,536 |
| Core capital (leverage) ratio | 13.6542% | 969 |
| Tier 1 risk-based capital ratio | 20.2710% | 1,662 |
| Total risk-based capital ratio | 21.5232% | 1,641 |
| Memoranda: | ||
| Average total assets | $103,438,250 | 4,707 |
| Average earning assets | $89,535,000 | 4,826 |
| Average equity | $13,407,750 | 4,231 |
| Average total loans | $62,063,250 | 4,580 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 1,424 |
| Cost of funding earning assets | 0.8463% | 1,158 |
| Net interest margin | 3.9134% | 2,176 |
| Noninterest income to average assets | 4.6080% | 161 |
| Noninterest expense to average assets | 6.2745% | 187 |
| Loan and lease loss provision to assets | 0.0984% | 3,150 |
| Net operating income to assets | 0.8775% | 2,926 |
| Return on assets (ROA) | 1.1530% | 1,844 |
| Pretax return on assets | 1.9223% | 714 |
| Return on Equity (ROE) | 8.8021% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.7980% | 2,558 |
| Net charge-offs to loans | 0.0293% | 4,278 |
| Credit loss provision to net charge-offs | 555.5556% | 513 |
| Earnings coverage of net charge-offs (x) | 98.5556% | 468 |
| Efficiency ratio | 78.2385% | 2,420 |
| Assets per employee ($millions) | 1.7531% | 6,808 |
| Cash dividends to net income (ytd only)* | 34.1297% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 2,878 |
| Loan loss allowance to noncurrent loans | 106.8000% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 2.5275% | 1,672 |
| Noncurrent loans to loans | 1.5679% | 2,958 |
| Net loans and leases to total assets | 61.6749% | 3,359 |
| Net loans and leases to deposits | 73.6485% | 3,207 |
| Net loans and leases to core deposits | 113.3912% | 450 |
| Total domestic deposits to total assets | 83.7421% | 4,433 |
| Equity capital to assets | 13.1756% | 1,271 |
| Core capital (leverage) ratio | 13.7860% | 886 |
| Tier 1 risk-based capital ratio | 20.2435% | 1,668 |
| Total risk-based capital ratio | 21.4986% | 1,642 |
| Memoranda: | ||
| Average total assets | $101,650,330 | 4,775 |
| Average earning assets | $88,618,670 | 4,880 |
| Average equity | $13,315,000 | 4,279 |
| Average total loans | $61,413,330 | 4,624 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 1,578 |
| Cost of funding earning assets | 0.8330% | 1,350 |
| Net interest margin | 3.8513% | 2,277 |
| Noninterest income to average assets | 4.1875% | 181 |
| Noninterest expense to average assets | 6.1357% | 199 |
| Loan and lease loss provision to assets | 0.1181% | 2,757 |
| Net operating income to assets | 0.6809% | 3,778 |
| Return on assets (ROA) | 0.9564% | 2,552 |
| Pretax return on assets | 1.5939% | 1,317 |
| Return on Equity (ROE) | 7.3226% | 3,313 |
| Retained earnings to average equity (ytd only) | 1.2958% | 5,333 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0291% | 2,183 |
| Assets per employee ($millions) | 1.9546% | 6,855 |
| Cash dividends to net income (ytd only)* | 82.3045% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 2,577 |
| Loan loss allowance to noncurrent loans | 69.7690% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.6418% | 1,720 |
| Noncurrent loans to loans | 2.5975% | 1,986 |
| Net loans and leases to total assets | 56.3456% | 4,036 |
| Net loans and leases to deposits | 66.8176% | 3,934 |
| Net loans and leases to core deposits | 105.4737% | 658 |
| Total domestic deposits to total assets | 84.3276% | 4,345 |
| Equity capital to assets | 13.0710% | 1,394 |
| Core capital (leverage) ratio | 13.7289% | 864 |
| Tier 1 risk-based capital ratio | 20.4494% | 1,663 |
| Total risk-based capital ratio | 21.7029% | 1,634 |
| Memoranda: | ||
| Average total assets | $101,635,500 | 4,821 |
| Average earning assets | $89,319,500 | 4,901 |
| Average equity | $13,274,000 | 4,337 |
| Average total loans | $60,230,500 | 4,697 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3969% | 763 |
| Cost of funding earning assets | 0.8964% | 1,956 |
| Net interest margin | 4.5005% | 948 |
| Noninterest income to average assets | 4.4896% | 163 |
| Noninterest expense to average assets | 6.5547% | 176 |
| Loan and lease loss provision to assets | 0.1643% | 3,558 |
| Net operating income to assets | 1.0622% | 2,081 |
| Return on assets (ROA) | 1.3500% | 1,323 |
| Pretax return on assets | 2.0612% | 533 |
| Return on Equity (ROE) | 11.2471% | 1,727 |
| Retained earnings to average equity (ytd only) | 10.0394% | 594 |
| Net charge-offs to loans | 0.1520% | 4,174 |
| Credit loss provision to net charge-offs | 165.0485% | 1,617 |
| Earnings coverage of net charge-offs (x) | 19.2718% | 1,393 |
| Efficiency ratio | 77.3495% | 2,540 |
| Assets per employee ($millions) | 1.8821% | 6,927 |
| Cash dividends to net income (ytd only)* | 10.7373% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 3,106 |
| Loan loss allowance to noncurrent loans | 67.3001% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.6527% | 1,824 |
| Noncurrent loans to loans | 2.4559% | 2,159 |
| Net loans and leases to total assets | 60.1265% | 3,583 |
| Net loans and leases to deposits | 72.5657% | 3,315 |
| Net loans and leases to core deposits | 126.3967% | 218 |
| Total domestic deposits to total assets | 82.8581% | 4,777 |
| Equity capital to assets | 13.0498% | 1,421 |
| Core capital (leverage) ratio | 13.2583% | 1,029 |
| Tier 1 risk-based capital ratio | 19.7255% | 1,742 |
| Total risk-based capital ratio | 20.9778% | 1,712 |
| Memoranda: | ||
| Average total assets | $103,483,200 | 4,747 |
| Average earning assets | $91,589,000 | 4,821 |
| Average equity | $12,421,000 | 4,476 |
| Average total loans | $67,759,600 | 4,431 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4277% | 787 |
| Cost of funding earning assets | 0.9039% | 2,149 |
| Net interest margin | 4.5238% | 947 |
| Noninterest income to average assets | 3.7596% | 191 |
| Noninterest expense to average assets | 6.3391% | 187 |
| Loan and lease loss provision to assets | 0.1603% | 3,509 |
| Net operating income to assets | 0.6197% | 4,300 |
| Return on assets (ROA) | 0.9120% | 3,148 |
| Pretax return on assets | 1.5905% | 1,606 |
| Return on Equity (ROE) | 7.7636% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.1257% | 2,617 |
| Net charge-offs to loans | 0.1986% | 3,538 |
| Credit loss provision to net charge-offs | 121.3592% | 2,388 |
| Earnings coverage of net charge-offs (x) | 10.8447% | 2,141 |
| Efficiency ratio | 81.5481% | 1,857 |
| Assets per employee ($millions) | 2.2518% | 6,895 |
| Cash dividends to net income (ytd only)* | 21.0975% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,469 |
| Loan loss allowance to noncurrent loans | 133.2429% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.7644% | 2,959 |
| Noncurrent loans to loans | 1.0347% | 4,376 |
| Net loans and leases to total assets | 64.9902% | 2,840 |
| Net loans and leases to deposits | 80.2019% | 2,358 |
| Net loans and leases to core deposits | 133.0757% | 166 |
| Total domestic deposits to total assets | 81.0333% | 5,345 |
| Equity capital to assets | 11.6548% | 2,588 |
| Core capital (leverage) ratio | 12.6540% | 1,343 |
| Tier 1 risk-based capital ratio | 16.8920% | 2,785 |
| Total risk-based capital ratio | 18.1443% | 2,748 |
| Memoranda: | ||
| Average total assets | $103,945,500 | 4,776 |
| Average earning assets | $92,191,000 | 4,842 |
| Average equity | $12,210,500 | 4,562 |
| Average total loans | $69,165,500 | 4,425 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5697% | 611 |
| Cost of funding earning assets | 0.9316% | 2,173 |
| Net interest margin | 4.6381% | 765 |
| Noninterest income to average assets | 3.9097% | 189 |
| Noninterest expense to average assets | 6.4563% | 178 |
| Loan and lease loss provision to assets | 0.1852% | 3,249 |
| Net operating income to assets | 0.6968% | 3,887 |
| Return on assets (ROA) | 0.9672% | 2,841 |
| Pretax return on assets | 1.6828% | 1,306 |
| Return on Equity (ROE) | 8.2108% | 3,162 |
| Retained earnings to average equity (ytd only) | 5.7277% | 2,867 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3203% | 2,119 |
| Assets per employee ($millions) | 2.0421% | 7,041 |
| Cash dividends to net income (ytd only)* | 30.2419% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 3,836 |
| Loan loss allowance to noncurrent loans | 125.1483% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 4,780 |
| Noncurrent loans to loans | 1.2287% | 4,089 |
| Net loans and leases to total assets | 64.8654% | 2,863 |
| Net loans and leases to deposits | 76.3224% | 2,941 |
| Net loans and leases to core deposits | 120.1979% | 310 |
| Total domestic deposits to total assets | 84.9887% | 3,872 |
| Equity capital to assets | 11.7996% | 2,313 |
| Core capital (leverage) ratio | 12.6032% | 1,309 |
| Tier 1 risk-based capital ratio | 16.8401% | 2,745 |
| Total risk-based capital ratio | 18.0909% | 2,700 |
| Memoranda: | ||
| Average total assets | $102,566,000 | 4,841 |
| Average earning assets | $91,244,000 | 4,890 |
| Average equity | $12,081,670 | 4,583 |
| Average total loans | $68,478,670 | 4,473 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 699 |
| Cost of funding earning assets | 0.9794% | 2,106 |
| Net interest margin | 4.5662% | 876 |
| Noninterest income to average assets | 4.0953% | 164 |
| Noninterest expense to average assets | 6.4377% | 173 |
| Loan and lease loss provision to assets | 0.2162% | 2,779 |
| Net operating income to assets | 0.7796% | 3,475 |
| Return on assets (ROA) | 1.0494% | 2,478 |
| Pretax return on assets | 1.8158% | 1,042 |
| Return on Equity (ROE) | 8.9163% | 2,865 |
| Retained earnings to average equity (ytd only) | 3.9072% | 4,246 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8637% | 2,370 |
| Assets per employee ($millions) | 2.1706% | 7,061 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 4,171 |
| Loan loss allowance to noncurrent loans | 60.8149% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.6360% | 3,398 |
| Noncurrent loans to loans | 2.4609% | 2,648 |
| Net loans and leases to total assets | 65.4858% | 2,562 |
| Net loans and leases to deposits | 76.9211% | 2,684 |
| Net loans and leases to core deposits | 120.4797% | 301 |
| Total domestic deposits to total assets | 85.1337% | 3,966 |
| Equity capital to assets | 11.8001% | 2,185 |
| Core capital (leverage) ratio | 12.7401% | 1,225 |
| Tier 1 risk-based capital ratio | 17.0644% | 2,658 |
| Total risk-based capital ratio | 18.3154% | 2,619 |
| Memoranda: | ||
| Average total assets | $101,775,000 | 4,895 |
| Average earning assets | $90,666,500 | 4,939 |
| Average equity | $11,978,000 | 4,614 |
| Average total loans | $68,412,500 | 4,506 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0243% | 417 |
| Cost of funding earning assets | 1.1486% | 2,361 |
| Net interest margin | 4.8757% | 538 |
| Noninterest income to average assets | 3.7718% | 165 |
| Noninterest expense to average assets | 7.0106% | 141 |
| Loan and lease loss provision to assets | 0.1455% | 4,792 |
| Net operating income to assets | 0.6487% | 3,742 |
| Return on assets (ROA) | 0.9102% | 2,677 |
| Pretax return on assets | 1.3342% | 2,002 |
| Return on Equity (ROE) | 7.7177% | 3,047 |
| Retained earnings to average equity (ytd only) | 6.3961% | 1,805 |
| Net charge-offs to loans | 0.0420% | 5,892 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 40.2857% | 670 |
| Efficiency ratio | 85.5365% | 1,614 |
| Assets per employee ($millions) | 2.3076% | 7,008 |
| Cash dividends to net income (ytd only)* | 17.1233% | 3,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 4,503 |
| Loan loss allowance to noncurrent loans | 54.8885% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7226% | 3,368 |
| Noncurrent loans to loans | 2.5346% | 2,591 |
| Net loans and leases to total assets | 67.0160% | 2,585 |
| Net loans and leases to deposits | 78.7546% | 2,718 |
| Net loans and leases to core deposits | 124.8147% | 289 |
| Total domestic deposits to total assets | 85.0946% | 3,789 |
| Equity capital to assets | 11.7379% | 2,314 |
| Core capital (leverage) ratio | 12.3987% | 1,393 |
| Tier 1 risk-based capital ratio | 16.9929% | 2,609 |
| Total risk-based capital ratio | 18.2433% | 2,563 |
| Memoranda: | ||
| Average total assets | $96,240,400 | 5,001 |
| Average earning assets | $87,063,800 | 5,021 |
| Average equity | $11,350,600 | 4,698 |
| Average total loans | $66,730,000 | 4,603 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9990% | 461 |
| Cost of funding earning assets | 1.1902% | 2,382 |
| Net interest margin | 4.8088% | 614 |
| Noninterest income to average assets | 3.5061% | 181 |
| Noninterest expense to average assets | 6.9280% | 143 |
| Loan and lease loss provision to assets | 0.1124% | 5,019 |
| Net operating income to assets | 0.5435% | 4,346 |
| Return on assets (ROA) | 0.5984% | 4,273 |
| Pretax return on assets | 0.8920% | 3,801 |
| Return on Equity (ROE) | 5.0674% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.2831% | 4,380 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0071% | 1,341 |
| Assets per employee ($millions) | 2.6880% | 6,665 |
| Cash dividends to net income (ytd only)* | 35.2119% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 5,354 |
| Loan loss allowance to noncurrent loans | 42.0671% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 2.1043% | 3,027 |
| Noncurrent loans to loans | 2.9185% | 2,388 |
| Net loans and leases to total assets | 71.2184% | 1,865 |
| Net loans and leases to deposits | 83.5738% | 2,070 |
| Net loans and leases to core deposits | 130.2768% | 246 |
| Total domestic deposits to total assets | 85.2162% | 3,666 |
| Equity capital to assets | 11.0368% | 3,109 |
| Core capital (leverage) ratio | 12.4166% | 1,477 |
| Tier 1 risk-based capital ratio | 16.1531% | 3,034 |
| Total risk-based capital ratio | 17.3506% | 3,030 |
| Memoranda: | ||
| Average total assets | $94,917,000 | 5,078 |
| Average earning assets | $85,923,750 | 5,093 |
| Average equity | $11,208,750 | 4,759 |
| Average total loans | $66,161,500 | 4,669 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0847% | 404 |
| Cost of funding earning assets | 1.2295% | 2,383 |
| Net interest margin | 4.8551% | 548 |
| Noninterest income to average assets | 3.2092% | 211 |
| Noninterest expense to average assets | 6.6607% | 160 |
| Loan and lease loss provision to assets | 0.1092% | 4,933 |
| Net operating income to assets | 0.5641% | 4,245 |
| Return on assets (ROA) | 0.4716% | 4,776 |
| Pretax return on assets | 0.7423% | 4,240 |
| Return on Equity (ROE) | 3.8960% | 4,982 |
| Retained earnings to average equity (ytd only) | 1.1904% | 5,384 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7304% | 1,444 |
| Assets per employee ($millions) | 2.3415% | 7,080 |
| Cash dividends to net income (ytd only)* | 69.4444% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 4,868 |
| Loan loss allowance to noncurrent loans | 41.9822% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 2.2281% | 2,945 |
| Noncurrent loans to loans | 3.1949% | 2,244 |
| Net loans and leases to total assets | 68.8020% | 2,455 |
| Net loans and leases to deposits | 83.8745% | 2,128 |
| Net loans and leases to core deposits | 126.8913% | 303 |
| Total domestic deposits to total assets | 82.0297% | 5,153 |
| Equity capital to assets | 11.6996% | 2,326 |
| Core capital (leverage) ratio | 13.4626% | 1,008 |
| Tier 1 risk-based capital ratio | 16.7400% | 2,636 |
| Total risk-based capital ratio | 17.9587% | 2,602 |
| Memoranda: | ||
| Average total assets | $91,612,330 | 5,217 |
| Average earning assets | $82,469,670 | 5,249 |
| Average equity | $11,088,330 | 4,784 |
| Average total loans | $63,019,670 | 4,831 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1491% | 362 |
| Cost of funding earning assets | 1.2418% | 2,557 |
| Net interest margin | 4.9073% | 450 |
| Noninterest income to average assets | 3.3909% | 188 |
| Noninterest expense to average assets | 6.8533% | 155 |
| Loan and lease loss provision to assets | 0.1342% | 4,329 |
| Net operating income to assets | 0.5726% | 4,165 |
| Return on assets (ROA) | 0.3534% | 5,236 |
| Pretax return on assets | 0.5860% | 4,743 |
| Return on Equity (ROE) | 2.8684% | 5,435 |
| Retained earnings to average equity (ytd only) | -2.5780% | 6,231 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7727% | 1,544 |
| Assets per employee ($millions) | 2.0427% | 7,342 |
| Cash dividends to net income (ytd only)* | 189.8734% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 4,319 |
| Loan loss allowance to noncurrent loans | 404.6083% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 6,585 |
| Noncurrent loans to loans | 0.3648% | 6,264 |
| Net loans and leases to total assets | 63.7621% | 3,481 |
| Net loans and leases to deposits | 74.9888% | 3,587 |
| Net loans and leases to core deposits | 112.1310% | 654 |
| Total domestic deposits to total assets | 85.0288% | 4,017 |
| Equity capital to assets | 11.9785% | 1,930 |
| Core capital (leverage) ratio | 13.6092% | 936 |
| Tier 1 risk-based capital ratio | 17.3663% | 2,350 |
| Total risk-based capital ratio | 18.6185% | 2,323 |
| Memoranda: | ||
| Average total assets | $89,417,000 | 5,310 |
| Average earning assets | $80,206,500 | 5,356 |
| Average equity | $11,016,500 | 4,798 |
| Average total loans | $61,054,500 | 4,957 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8057% | 198 |
| Cost of funding earning assets | 1.3251% | 3,718 |
| Net interest margin | 5.4806% | 174 |
| Noninterest income to average assets | 6.2038% | 108 |
| Noninterest expense to average assets | 8.2457% | 108 |
| Loan and lease loss provision to assets | 0.3912% | 3,770 |
| Net operating income to assets | 1.8970% | 340 |
| Return on assets (ROA) | 1.1578% | 1,603 |
| Pretax return on assets | 1.7638% | 817 |
| Return on Equity (ROE) | 9.6677% | 2,048 |
| Retained earnings to average equity (ytd only) | 8.7236% | 777 |
| Net charge-offs to loans | 0.2542% | 4,761 |
| Credit loss provision to net charge-offs | 203.5294% | 1,529 |
| Earnings coverage of net charge-offs (x) | 14.9941% | 1,305 |
| Efficiency ratio | 73.9890% | 3,399 |
| Assets per employee ($millions) | 1.8894% | 7,464 |
| Cash dividends to net income (ytd only)* | 9.7656% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 4,726 |
| Loan loss allowance to noncurrent loans | 484.5714% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 6,721 |
| Noncurrent loans to loans | 0.2795% | 6,498 |
| Net loans and leases to total assets | 71.0739% | 2,286 |
| Net loans and leases to deposits | 85.5874% | 2,169 |
| Net loans and leases to core deposits | 135.7068% | 264 |
| Total domestic deposits to total assets | 83.0424% | 4,776 |
| Equity capital to assets | 12.6819% | 1,539 |
| Core capital (leverage) ratio | 13.9648% | 852 |
| Tier 1 risk-based capital ratio | 17.6969% | 2,090 |
| Total risk-based capital ratio | 18.9218% | 2,070 |
| Memoranda: | ||
| Average total assets | $88,445,800 | 5,335 |
| Average earning assets | $79,462,800 | 5,367 |
| Average equity | $10,592,000 | 4,963 |
| Average total loans | $66,880,400 | 4,794 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8646% | 179 |
| Cost of funding earning assets | 1.3455% | 3,932 |
| Net interest margin | 5.5191% | 169 |
| Noninterest income to average assets | 5.6631% | 121 |
| Noninterest expense to average assets | 8.0662% | 108 |
| Loan and lease loss provision to assets | 0.2176% | 4,896 |
| Net operating income to assets | 1.7895% | 522 |
| Return on assets (ROA) | 0.9651% | 2,480 |
| Pretax return on assets | 1.5265% | 1,540 |
| Return on Equity (ROE) | 8.1769% | 2,833 |
| Retained earnings to average equity (ytd only) | 6.9052% | 1,899 |
| Net charge-offs to loans | -0.0118% | 7,288 |
| Credit loss provision to net charge-offs | -2,416.6667% | 7,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8017% | 2,988 |
| Assets per employee ($millions) | 1.8494% | 7,565 |
| Cash dividends to net income (ytd only)* | 15.5521% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 5,034 |
| Loan loss allowance to noncurrent loans | 178.5249% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 6,069 |
| Noncurrent loans to loans | 0.7211% | 5,770 |
| Net loans and leases to total assets | 74.1772% | 1,762 |
| Net loans and leases to deposits | 88.0308% | 2,007 |
| Net loans and leases to core deposits | 140.4277% | 258 |
| Total domestic deposits to total assets | 84.2627% | 3,974 |
| Equity capital to assets | 12.7257% | 1,733 |
| Core capital (leverage) ratio | 12.9292% | 1,260 |
| Tier 1 risk-based capital ratio | 16.8829% | 2,384 |
| Total risk-based capital ratio | 18.0631% | 2,367 |
| Memoranda: | ||
| Average total assets | $88,829,500 | 5,387 |
| Average earning assets | $79,866,250 | 5,414 |
| Average equity | $10,484,500 | 5,057 |
| Average total loans | $67,945,750 | 4,834 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7711% | 216 |
| Cost of funding earning assets | 1.3611% | 4,110 |
| Net interest margin | 5.4100% | 196 |
| Noninterest income to average assets | 5.4795% | 124 |
| Noninterest expense to average assets | 7.8395% | 120 |
| Loan and lease loss provision to assets | 0.2331% | 4,583 |
| Net operating income to assets | 1.6471% | 654 |
| Return on assets (ROA) | 0.9769% | 2,356 |
| Pretax return on assets | 1.6207% | 1,247 |
| Return on Equity (ROE) | 8.4855% | 2,674 |
| Retained earnings to average equity (ytd only) | 6.5570% | 2,049 |
| Net charge-offs to loans | -0.0029% | 7,085 |
| Credit loss provision to net charge-offs | -10,500.0000% | 7,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6113% | 3,142 |
| Assets per employee ($millions) | 2.0888% | 7,521 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0777% | 6,048 |
| Loan loss allowance to noncurrent loans | 146.5160% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 6,092 |
| Noncurrent loans to loans | 0.7355% | 5,785 |
| Net loans and leases to total assets | 74.3238% | 1,843 |
| Net loans and leases to deposits | 97.4270% | 926 |
| Net loans and leases to core deposits | 171.8955% | 133 |
| Total domestic deposits to total assets | 76.2866% | 6,632 |
| Equity capital to assets | 11.0007% | 2,857 |
| Core capital (leverage) ratio | 12.7873% | 1,287 |
| Tier 1 risk-based capital ratio | 16.2308% | 2,580 |
| Total risk-based capital ratio | 17.3348% | 2,593 |
| Memoranda: | ||
| Average total assets | $90,082,000 | 5,386 |
| Average earning assets | $81,109,000 | 5,401 |
| Average equity | $10,370,670 | 5,094 |
| Average total loans | $69,285,330 | 4,810 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5181% | 348 |
| Cost of funding earning assets | 1.4757% | 3,712 |
| Net interest margin | 5.0424% | 383 |
| Noninterest income to average assets | 5.7280% | 122 |
| Noninterest expense to average assets | 7.8364% | 124 |
| Loan and lease loss provision to assets | 0.2067% | 4,436 |
| Net operating income to assets | 1.5963% | 759 |
| Return on assets (ROA) | 0.9233% | 2,522 |
| Pretax return on assets | 1.6720% | 1,113 |
| Return on Equity (ROE) | 7.8279% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.9334% | 3,779 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5211% | 3,298 |
| Assets per employee ($millions) | 1.9214% | 7,705 |
| Cash dividends to net income (ytd only)* | 49.7512% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 6,023 |
| Loan loss allowance to noncurrent loans | 243.8776% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 6,605 |
| Noncurrent loans to loans | 0.4493% | 6,403 |
| Net loans and leases to total assets | 76.5605% | 1,423 |
| Net loans and leases to deposits | 91.3086% | 1,712 |
| Net loans and leases to core deposits | 158.8538% | 191 |
| Total domestic deposits to total assets | 83.8481% | 4,217 |
| Equity capital to assets | 12.1787% | 1,942 |
| Core capital (leverage) ratio | 12.4221% | 1,439 |
| Tier 1 risk-based capital ratio | 16.8368% | 2,327 |
| Total risk-based capital ratio | 17.9339% | 2,333 |
| Memoranda: | ||
| Average total assets | $87,080,500 | 5,545 |
| Average earning assets | $79,962,500 | 5,507 |
| Average equity | $10,271,000 | 5,159 |
| Average total loans | $67,832,000 | 4,938 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0376% | 266 |
| Cost of funding earning assets | 1.9530% | 3,197 |
| Net interest margin | 5.0845% | 377 |
| Noninterest income to average assets | 4.2237% | 160 |
| Noninterest expense to average assets | 6.2371% | 286 |
| Loan and lease loss provision to assets | 0.2405% | 5,455 |
| Net operating income to assets | 2.0280% | 219 |
| Return on assets (ROA) | 1.0468% | 1,721 |
| Pretax return on assets | 1.5392% | 1,100 |
| Return on Equity (ROE) | 9.9908% | 1,694 |
| Retained earnings to average equity (ytd only) | 9.9908% | 373 |
| Net charge-offs to loans | 0.0630% | 6,476 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 56.7619% | 467 |
| Efficiency ratio | 69.4125% | 4,748 |
| Assets per employee ($millions) | 1.9483% | 7,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 6,598 |
| Loan loss allowance to noncurrent loans | 430.7692% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 7,045 |
| Noncurrent loans to loans | 0.2222% | 6,874 |
| Net loans and leases to total assets | 77.6054% | 1,468 |
| Net loans and leases to deposits | 92.7630% | 1,775 |
| Net loans and leases to core deposits | 146.3872% | 602 |
| Total domestic deposits to total assets | 83.6599% | 4,200 |
| Equity capital to assets | 11.4327% | 2,365 |
| Core capital (leverage) ratio | 11.8831% | 1,714 |
| Tier 1 risk-based capital ratio | 17.1893% | 2,102 |
| Total risk-based capital ratio | 18.2541% | 2,114 |
| Memoranda: | ||
| Average total assets | $87,316,600 | 5,476 |
| Average earning assets | $81,462,800 | 5,412 |
| Average equity | $9,148,400 | 5,564 |
| Average total loans | $66,629,400 | 4,995 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8905% | 357 |
| Cost of funding earning assets | 2.0119% | 3,294 |
| Net interest margin | 4.8786% | 581 |
| Noninterest income to average assets | 3.5676% | 179 |
| Noninterest expense to average assets | 5.7841% | 330 |
| Loan and lease loss provision to assets | 0.2075% | 5,321 |
| Net operating income to assets | 1.8919% | 366 |
| Return on assets (ROA) | 0.9238% | 2,403 |
| Pretax return on assets | 1.1774% | 2,333 |
| Return on Equity (ROE) | 9.0299% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.0299% | 833 |
| Net charge-offs to loans | 0.0690% | 6,000 |
| Credit loss provision to net charge-offs | 397.0588% | 1,003 |
| Earnings coverage of net charge-offs (x) | 44.8846% | 693 |
| Efficiency ratio | 70.9964% | 4,424 |
| Assets per employee ($millions) | 2.0586% | 7,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 6,882 |
| Loan loss allowance to noncurrent loans | 230.0380% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 6,789 |
| Noncurrent loans to loans | 0.3783% | 6,591 |
| Net loans and leases to total assets | 74.3866% | 2,415 |
| Net loans and leases to deposits | 90.7293% | 2,442 |
| Net loans and leases to core deposits | 132.4721% | 1,310 |
| Total domestic deposits to total assets | 81.9874% | 4,684 |
| Equity capital to assets | 10.8847% | 3,135 |
| Core capital (leverage) ratio | 11.5680% | 2,033 |
| Tier 1 risk-based capital ratio | 16.0352% | 2,617 |
| Total risk-based capital ratio | 16.9777% | 2,661 |
| Memoranda: | ||
| Average total assets | $86,740,750 | 5,527 |
| Average earning assets | $81,114,500 | 5,450 |
| Average equity | $8,874,000 | 5,690 |
| Average total loans | $65,731,250 | 5,074 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8950% | 384 |
| Cost of funding earning assets | 2.0560% | 3,496 |
| Net interest margin | 4.8390% | 612 |
| Noninterest income to average assets | 3.2203% | 198 |
| Noninterest expense to average assets | 5.6266% | 362 |
| Loan and lease loss provision to assets | 0.1769% | 5,275 |
| Net operating income to assets | 1.7976% | 469 |
| Return on assets (ROA) | 0.9908% | 2,239 |
| Pretax return on assets | 1.1725% | 2,380 |
| Return on Equity (ROE) | 9.9162% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.9162% | 754 |
| Net charge-offs to loans | 0.0496% | 5,782 |
| Credit loss provision to net charge-offs | 468.7500% | 988 |
| Earnings coverage of net charge-offs (x) | 56.8750% | 625 |
| Efficiency ratio | 72.2307% | 4,368 |
| Assets per employee ($millions) | 2.0909% | 7,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 6,988 |
| Loan loss allowance to noncurrent loans | 493.8596% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 7,236 |
| Noncurrent loans to loans | 0.1716% | 7,092 |
| Net loans and leases to total assets | 75.0256% | 2,428 |
| Net loans and leases to deposits | 88.8466% | 3,026 |
| Net loans and leases to core deposits | 115.7621% | 2,729 |
| Total domestic deposits to total assets | 84.4440% | 3,527 |
| Equity capital to assets | 9.8567% | 4,139 |
| Core capital (leverage) ratio | 10.0847% | 3,205 |
| Tier 1 risk-based capital ratio | 13.9803% | 3,532 |
| Total risk-based capital ratio | 14.8666% | 3,671 |
| Memoranda: | ||
| Average total assets | $84,776,000 | 5,620 |
| Average earning assets | $79,768,330 | 5,539 |
| Average equity | $8,471,000 | 5,855 |
| Average total loans | $64,470,670 | 5,160 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7933% | 486 |
| Cost of funding earning assets | 2.0762% | 3,762 |
| Net interest margin | 4.7171% | 742 |
| Noninterest income to average assets | 2.6185% | 232 |
| Noninterest expense to average assets | 6.1546% | 278 |
| Loan and lease loss provision to assets | 0.1441% | 5,103 |
| Net operating income to assets | 0.7735% | 3,244 |
| Return on assets (ROA) | 0.9753% | 2,542 |
| Pretax return on assets | 0.9753% | 3,443 |
| Return on Equity (ROE) | 9.6915% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.6915% | 1,280 |
| Net charge-offs to loans | 0.0441% | 4,861 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 1,141 |
| Efficiency ratio | 86.8886% | 1,979 |
| Assets per employee ($millions) | 2.1981% | 7,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 7,053 |
| Loan loss allowance to noncurrent loans | 414.9606% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 7,112 |
| Noncurrent loans to loans | 0.1995% | 6,960 |
| Net loans and leases to total assets | 75.5797% | 2,370 |
| Net loans and leases to deposits | 94.8910% | 2,124 |
| Net loans and leases to core deposits | 133.2665% | 1,463 |
| Total domestic deposits to total assets | 79.6490% | 5,486 |
| Equity capital to assets | 10.1581% | 3,816 |
| Core capital (leverage) ratio | 9.9534% | 3,451 |
| Tier 1 risk-based capital ratio | 13.5876% | 3,806 |
| Total risk-based capital ratio | 14.4515% | 3,972 |
| Memoranda: | ||
| Average total assets | $83,255,000 | 5,697 |
| Average earning assets | $78,607,000 | 5,599 |
| Average equity | $8,378,500 | 5,926 |
| Average total loans | $63,481,500 | 5,231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3250% | 568 |
| Cost of funding earning assets | 3.0344% | 1,736 |
| Net interest margin | 4.2907% | 2,012 |
| Noninterest income to average assets | 0.6643% | 3,378 |
| Noninterest expense to average assets | 4.2986% | 1,050 |
| Loan and lease loss provision to assets | 1.9195% | 649 |
| Net operating income to assets | -0.8469% | 7,162 |
| Return on assets (ROA) | -0.7756% | 7,023 |
| Pretax return on assets | -1.3819% | 7,203 |
| Return on Equity (ROE) | -7.5192% | 7,092 |
| Retained earnings to average equity (ytd only) | -7.5192% | 6,836 |
| Net charge-offs to loans | 2.7597% | 339 |
| Credit loss provision to net charge-offs | 99.4479% | 5,395 |
| Earnings coverage of net charge-offs (x) | 0.2209% | 6,103 |
| Efficiency ratio | 90.8271% | 1,452 |
| Assets per employee ($millions) | 2.3709% | 7,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 7,122 |
| Loan loss allowance to noncurrent loans | 323.0769% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 6,807 |
| Noncurrent loans to loans | 0.2464% | 6,645 |
| Net loans and leases to total assets | 75.6812% | 2,710 |
| Net loans and leases to deposits | 90.4901% | 3,366 |
| Net loans and leases to core deposits | 120.5463% | 2,635 |
| Total domestic deposits to total assets | 83.6348% | 3,515 |
| Equity capital to assets | 9.9685% | 4,075 |
| Core capital (leverage) ratio | 9.0747% | 4,637 |
| Tier 1 risk-based capital ratio | 12.6319% | 4,340 |
| Total risk-based capital ratio | 13.4175% | 4,582 |
| Memoranda: | ||
| Average total assets | $84,447,000 | 5,538 |
| Average earning assets | $79,917,600 | 5,432 |
| Average equity | $8,711,000 | 5,838 |
| Average total loans | $59,063,600 | 5,310 |