Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6533% | 1,763 |
| Cost of funding earning assets | 2.1273% | 1,596 |
| Net interest margin | 3.5261% | 2,248 |
| Noninterest income to average assets | 0.3600% | 2,477 |
| Noninterest expense to average assets | 2.5016% | 2,309 |
| Loan and lease loss provision to assets | -0.0600% | 4,294 |
| Net operating income to assets | 1.1757% | 1,792 |
| Return on assets (ROA) | 1.1612% | 1,824 |
| Pretax return on assets | 1.2128% | 2,217 |
| Return on Equity (ROE) | 11.5900% | 1,857 |
| Retained earnings to average equity (ytd only) | 5.2204% | 2,511 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.1856% | 2,024 |
| Assets per employee ($millions) | 5.3890% | 3,403 |
| Cash dividends to net income (ytd only)* | 54.9738% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 3,755 |
| Loan loss allowance to noncurrent loans | 9,814.2857% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,739 |
| Noncurrent loans to loans | 0.0086% | 3,702 |
| Net loans and leases to total assets | 59.9700% | 2,880 |
| Net loans and leases to deposits | 67.0064% | 3,068 |
| Net loans and leases to core deposits | 71.9428% | 3,196 |
| Total domestic deposits to total assets | 89.5000% | 988 |
| Equity capital to assets | 9.9194% | 2,264 |
| Core capital (leverage) ratio | 10.7562% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3752% | 833 |
| Memoranda: | ||
| Average total assets | $131,593,500 | 3,532 |
| Average earning assets | $123,537,500 | 3,509 |
| Average equity | $13,179,000 | 3,515 |
| Average total loans | $81,308,000 | 3,426 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 1,966 |
| Cost of funding earning assets | 2.1507% | 1,856 |
| Net interest margin | 3.4399% | 2,193 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.6934% | 1,764 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.8585% | 2,527 |
| Return on assets (ROA) | 0.8593% | 2,529 |
| Pretax return on assets | 0.9036% | 2,794 |
| Return on Equity (ROE) | 8.6100% | 2,577 |
| Retained earnings to average equity (ytd only) | 3.5756% | 2,796 |
| Net charge-offs to loans | -0.0051% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 70.5754% | 1,919 |
| Assets per employee ($millions) | 4.9408% | 3,684 |
| Cash dividends to net income (ytd only)* | 58.4715% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 3,709 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 62.6000% | 2,704 |
| Net loans and leases to deposits | 70.0878% | 2,944 |
| Net loans and leases to core deposits | 74.7280% | 3,111 |
| Total domestic deposits to total assets | 89.3200% | 1,046 |
| Equity capital to assets | 10.1151% | 2,060 |
| Core capital (leverage) ratio | 11.1605% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2299% | 857 |
| Memoranda: | ||
| Average total assets | $126,383,400 | 3,569 |
| Average earning assets | $118,055,200 | 3,540 |
| Average equity | $12,613,400 | 3,550 |
| Average total loans | $78,357,400 | 3,442 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5469% | 1,993 |
| Cost of funding earning assets | 2.1039% | 1,970 |
| Net interest margin | 3.4430% | 2,148 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 2.6059% | 1,945 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.9424% | 2,238 |
| Return on assets (ROA) | 0.9354% | 2,279 |
| Pretax return on assets | 0.9830% | 2,594 |
| Return on Equity (ROE) | 9.4000% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.0793% | 2,824 |
| Net charge-offs to loans | 0.0017% | 2,732 |
| Credit loss provision to net charge-offs | 2,600.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 961.0000% | 124 |
| Efficiency ratio | 67.9918% | 2,268 |
| Assets per employee ($millions) | 4.7639% | 3,791 |
| Cash dividends to net income (ytd only)* | 56.6251% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 3,744 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 64.3700% | 2,486 |
| Net loans and leases to deposits | 72.4964% | 2,785 |
| Net loans and leases to core deposits | 77.7623% | 2,967 |
| Total domestic deposits to total assets | 88.7900% | 974 |
| Equity capital to assets | 10.6716% | 1,893 |
| Core capital (leverage) ratio | 11.4493% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1537% | 903 |
| Memoranda: | ||
| Average total assets | $125,864,000 | 3,579 |
| Average earning assets | $117,492,250 | 3,557 |
| Average equity | $12,518,250 | 3,562 |
| Average total loans | $77,664,250 | 3,456 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4203% | 2,115 |
| Cost of funding earning assets | 2.0569% | 1,986 |
| Net interest margin | 3.3634% | 2,269 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.6887% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.8031% | 2,613 |
| Return on assets (ROA) | 0.7808% | 2,705 |
| Pretax return on assets | 0.8283% | 2,933 |
| Return on Equity (ROE) | 8.0400% | 2,720 |
| Retained earnings to average equity (ytd only) | 3.4839% | 2,892 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 71.9322% | 1,868 |
| Assets per employee ($millions) | 4.6852% | 3,818 |
| Cash dividends to net income (ytd only)* | 56.6802% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 3,777 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.0100% | 2,861 |
| Net loans and leases to deposits | 67.9767% | 3,131 |
| Net loans and leases to core deposits | 71.7349% | 3,282 |
| Total domestic deposits to total assets | 89.7500% | 771 |
| Equity capital to assets | 9.7700% | 2,216 |
| Core capital (leverage) ratio | 10.9271% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3306% | 868 |
| Memoranda: | ||
| Average total assets | $126,531,667 | 3,582 |
| Average earning assets | $118,334,000 | 3,554 |
| Average equity | $12,285,000 | 3,564 |
| Average total loans | $76,743,333 | 3,477 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 2,255 |
| Cost of funding earning assets | 1.9894% | 2,016 |
| Net interest margin | 3.2796% | 2,385 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.8069% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6075% | 3,132 |
| Return on assets (ROA) | 0.6164% | 3,138 |
| Pretax return on assets | 0.6543% | 3,267 |
| Return on Equity (ROE) | 6.3700% | 3,115 |
| Retained earnings to average equity (ytd only) | 3.1025% | 2,954 |
| Net charge-offs to loans | -0.0105% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 77.1978% | 1,433 |
| Assets per employee ($millions) | 4.8622% | 3,734 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 3,725 |
| Loan loss allowance to noncurrent loans | 22,633.3333% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,846 |
| Noncurrent loans to loans | 0.0039% | 3,789 |
| Net loans and leases to total assets | 59.6000% | 2,901 |
| Net loans and leases to deposits | 66.3412% | 3,149 |
| Net loans and leases to core deposits | 69.7520% | 3,348 |
| Total domestic deposits to total assets | 89.8500% | 842 |
| Equity capital to assets | 9.6735% | 2,216 |
| Core capital (leverage) ratio | 10.7600% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4241% | 866 |
| Memoranda: | ||
| Average total assets | $126,547,500 | 3,590 |
| Average earning assets | $118,427,500 | 3,565 |
| Average equity | $12,248,000 | 3,582 |
| Average total loans | $76,188,000 | 3,491 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 2,388 |
| Cost of funding earning assets | 1.7018% | 1,454 |
| Net interest margin | 3.1426% | 2,996 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.6521% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5802% | 3,494 |
| Return on assets (ROA) | 0.6265% | 3,350 |
| Pretax return on assets | 0.6653% | 3,508 |
| Return on Equity (ROE) | 6.7200% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.0564% | 3,259 |
| Net charge-offs to loans | -0.0041% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.7292% | 1,187 |
| Assets per employee ($millions) | 5.0671% | 3,588 |
| Cash dividends to net income (ytd only)* | 54.5103% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 3,760 |
| Loan loss allowance to noncurrent loans | 22,566.6667% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,825 |
| Noncurrent loans to loans | 0.0039% | 3,767 |
| Net loans and leases to total assets | 59.7300% | 2,872 |
| Net loans and leases to deposits | 70.8279% | 2,828 |
| Net loans and leases to core deposits | 73.2772% | 3,110 |
| Total domestic deposits to total assets | 84.3400% | 2,524 |
| Equity capital to assets | 9.6837% | 2,214 |
| Core capital (leverage) ratio | 10.6973% | 2,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6210% | 973 |
| Memoranda: | ||
| Average total assets | $123,862,800 | 3,613 |
| Average earning assets | $114,235,200 | 3,600 |
| Average equity | $11,549,400 | 3,570 |
| Average total loans | $73,054,400 | 3,509 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 2,527 |
| Cost of funding earning assets | 1.5526% | 1,474 |
| Net interest margin | 3.1206% | 3,106 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.6101% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5944% | 3,559 |
| Return on assets (ROA) | 0.6301% | 3,467 |
| Pretax return on assets | 0.6701% | 3,607 |
| Return on Equity (ROE) | 6.8200% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.8026% | 3,557 |
| Net charge-offs to loans | -0.0129% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.0267% | 1,165 |
| Assets per employee ($millions) | 4.8387% | 3,714 |
| Cash dividends to net income (ytd only)* | 58.9347% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 3,756 |
| Loan loss allowance to noncurrent loans | 202.6786% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 1,896 |
| Noncurrent loans to loans | 0.4404% | 1,731 |
| Net loans and leases to total assets | 62.5100% | 2,599 |
| Net loans and leases to deposits | 73.8801% | 2,576 |
| Net loans and leases to core deposits | 77.9115% | 2,747 |
| Total domestic deposits to total assets | 84.6100% | 2,620 |
| Equity capital to assets | 9.2140% | 2,284 |
| Core capital (leverage) ratio | 11.0447% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0357% | 1,093 |
| Memoranda: | ||
| Average total assets | $123,159,250 | 3,631 |
| Average earning assets | $113,353,000 | 3,627 |
| Average equity | $11,370,250 | 3,587 |
| Average total loans | $72,231,500 | 3,525 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 2,400 |
| Cost of funding earning assets | 1.4810% | 1,281 |
| Net interest margin | 3.1275% | 3,157 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.6314% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5560% | 3,687 |
| Return on assets (ROA) | 0.5925% | 3,601 |
| Pretax return on assets | 0.6312% | 3,740 |
| Return on Equity (ROE) | 6.4100% | 3,594 |
| Retained earnings to average equity (ytd only) | 2.7785% | 3,541 |
| Net charge-offs to loans | -0.0085% | 3,860 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.1657% | 1,077 |
| Assets per employee ($millions) | 4.6780% | 3,838 |
| Cash dividends to net income (ytd only)* | 56.6757% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,644 |
| Loan loss allowance to noncurrent loans | 22,566.6667% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,871 |
| Noncurrent loans to loans | 0.0042% | 3,791 |
| Net loans and leases to total assets | 58.3200% | 2,932 |
| Net loans and leases to deposits | 64.7157% | 3,145 |
| Net loans and leases to core deposits | 69.6392% | 3,147 |
| Total domestic deposits to total assets | 90.1100% | 898 |
| Equity capital to assets | 9.4773% | 2,171 |
| Core capital (leverage) ratio | 10.6339% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5986% | 1,016 |
| Memoranda: | ||
| Average total assets | $123,889,667 | 3,634 |
| Average earning assets | $113,572,000 | 3,643 |
| Average equity | $11,445,000 | 3,596 |
| Average total loans | $70,876,000 | 3,545 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,503 |
| Cost of funding earning assets | 1.3606% | 1,114 |
| Net interest margin | 3.0586% | 3,441 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.8187% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3267% | 4,211 |
| Return on assets (ROA) | 0.3743% | 4,080 |
| Pretax return on assets | 0.4031% | 4,127 |
| Return on Equity (ROE) | 4.1000% | 4,025 |
| Retained earnings to average equity (ytd only) | 1.6135% | 3,763 |
| Net charge-offs to loans | -0.0057% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.3592% | 577 |
| Assets per employee ($millions) | 4.8898% | 3,734 |
| Cash dividends to net income (ytd only)* | 60.6838% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,565 |
| Loan loss allowance to noncurrent loans | 1,607.1429% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,453 |
| Noncurrent loans to loans | 0.0615% | 3,296 |
| Net loans and leases to total assets | 53.2000% | 3,265 |
| Net loans and leases to deposits | 58.7439% | 3,410 |
| Net loans and leases to core deposits | 64.0850% | 3,340 |
| Total domestic deposits to total assets | 90.5600% | 958 |
| Equity capital to assets | 9.1061% | 2,434 |
| Core capital (leverage) ratio | 10.2262% | 2,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7138% | 1,039 |
| Memoranda: | ||
| Average total assets | $125,020,500 | 3,669 |
| Average earning assets | $114,953,000 | 3,667 |
| Average equity | $11,404,000 | 3,631 |
| Average total loans | $70,510,000 | 3,594 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 2,332 |
| Cost of funding earning assets | 0.5683% | 1,029 |
| Net interest margin | 3.2117% | 2,836 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.7463% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4950% | 4,094 |
| Return on assets (ROA) | 0.4849% | 4,072 |
| Pretax return on assets | 0.5103% | 4,160 |
| Return on Equity (ROE) | 5.0000% | 4,026 |
| Retained earnings to average equity (ytd only) | 2.0686% | 3,959 |
| Net charge-offs to loans | -0.0105% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.4942% | 756 |
| Assets per employee ($millions) | 4.5521% | 3,998 |
| Cash dividends to net income (ytd only)* | 58.6149% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 3,681 |
| Loan loss allowance to noncurrent loans | 13,480.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 3,890 |
| Noncurrent loans to loans | 0.0069% | 3,814 |
| Net loans and leases to total assets | 58.6100% | 2,768 |
| Net loans and leases to deposits | 64.6582% | 2,983 |
| Net loans and leases to core deposits | 65.6325% | 3,158 |
| Total domestic deposits to total assets | 90.6400% | 1,088 |
| Equity capital to assets | 9.1378% | 2,275 |
| Core capital (leverage) ratio | 10.3496% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0176% | 1,125 |
| Memoranda: | ||
| Average total assets | $122,093,600 | 3,704 |
| Average earning assets | $110,690,400 | 3,718 |
| Average equity | $11,843,800 | 3,681 |
| Average total loans | $66,977,000 | 3,627 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 2,267 |
| Cost of funding earning assets | 0.4070% | 1,241 |
| Net interest margin | 3.2198% | 2,568 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.5913% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6190% | 3,788 |
| Return on assets (ROA) | 0.5994% | 3,793 |
| Pretax return on assets | 0.6377% | 3,921 |
| Return on Equity (ROE) | 6.0900% | 3,781 |
| Retained earnings to average equity (ytd only) | 2.6228% | 3,882 |
| Net charge-offs to loans | -0.0122% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.2272% | 1,149 |
| Assets per employee ($millions) | 4.5078% | 4,050 |
| Cash dividends to net income (ytd only)* | 56.9343% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,617 |
| Loan loss allowance to noncurrent loans | 915.0685% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,317 |
| Noncurrent loans to loans | 0.1060% | 3,123 |
| Net loans and leases to total assets | 54.0400% | 3,098 |
| Net loans and leases to deposits | 59.2722% | 3,262 |
| Net loans and leases to core deposits | 60.1519% | 3,373 |
| Total domestic deposits to total assets | 91.1800% | 1,164 |
| Equity capital to assets | 8.6271% | 2,464 |
| Core capital (leverage) ratio | 10.2128% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7741% | 1,031 |
| Memoranda: | ||
| Average total assets | $121,890,250 | 3,736 |
| Average earning assets | $110,066,750 | 3,749 |
| Average equity | $11,997,000 | 3,710 |
| Average total loans | $65,544,000 | 3,668 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 2,336 |
| Cost of funding earning assets | 0.3868% | 1,010 |
| Net interest margin | 3.0503% | 2,720 |
| Noninterest income to average assets | 0.3271% | 3,208 |
| Noninterest expense to average assets | 2.6501% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3995% | 4,106 |
| Return on assets (ROA) | 0.3636% | 4,139 |
| Pretax return on assets | 0.3886% | 4,178 |
| Return on Equity (ROE) | 3.5419% | 4,124 |
| Retained earnings to average equity (ytd only) | 1.6173% | 3,848 |
| Net charge-offs to loans | -0.0124% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3276% | 849 |
| Assets per employee ($millions) | 4.3983% | 4,157 |
| Cash dividends to net income (ytd only)* | 54.3379% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 3,479 |
| Loan loss allowance to noncurrent loans | 66,600.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,075 |
| Noncurrent loans to loans | 0.0015% | 4,005 |
| Net loans and leases to total assets | 52.0605% | 3,149 |
| Net loans and leases to deposits | 57.6494% | 3,254 |
| Net loans and leases to core deposits | 58.5341% | 3,389 |
| Total domestic deposits to total assets | 90.3054% | 1,579 |
| Equity capital to assets | 9.4867% | 2,027 |
| Core capital (leverage) ratio | 10.3359% | 2,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1102% | 977 |
| Memoranda: | ||
| Average total assets | $120,447,333 | 3,796 |
| Average earning assets | $108,579,667 | 3,816 |
| Average equity | $12,366,333 | 3,748 |
| Average total loans | $64,432,333 | 3,721 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 2,130 |
| Cost of funding earning assets | 0.3769% | 1,014 |
| Net interest margin | 3.0075% | 2,474 |
| Noninterest income to average assets | 0.3090% | 3,254 |
| Noninterest expense to average assets | 2.7541% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2433% | 4,253 |
| Return on assets (ROA) | 0.2183% | 4,269 |
| Pretax return on assets | 0.2351% | 4,286 |
| Return on Equity (ROE) | 2.0460% | 4,254 |
| Retained earnings to average equity (ytd only) | 0.8813% | 3,851 |
| Net charge-offs to loans | -0.0187% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3029% | 721 |
| Assets per employee ($millions) | 4.5449% | 4,108 |
| Cash dividends to net income (ytd only)* | 56.9231% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,441 |
| Loan loss allowance to noncurrent loans | 481.8841% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1288% | 2,900 |
| Noncurrent loans to loans | 0.2228% | 2,704 |
| Net loans and leases to total assets | 49.9381% | 3,183 |
| Net loans and leases to deposits | 56.2573% | 3,245 |
| Net loans and leases to core deposits | 57.5475% | 3,342 |
| Total domestic deposits to total assets | 88.7672% | 2,181 |
| Equity capital to assets | 10.0080% | 1,884 |
| Core capital (leverage) ratio | 10.6592% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1861% | 729 |
| Memoranda: | ||
| Average total assets | $119,095,500 | 3,828 |
| Average earning assets | $107,199,500 | 3,843 |
| Average equity | $12,708,000 | 3,788 |
| Average total loans | $64,259,000 | 3,729 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 432 |
| Cost of funding earning assets | 0.6752% | 360 |
| Net interest margin | 4.0039% | 706 |
| Noninterest income to average assets | 0.3698% | 3,217 |
| Noninterest expense to average assets | 3.1452% | 792 |
| Loan and lease loss provision to assets | -0.0915% | 4,509 |
| Net operating income to assets | 0.8271% | 3,250 |
| Return on assets (ROA) | 0.8632% | 3,214 |
| Pretax return on assets | 0.9154% | 3,469 |
| Return on Equity (ROE) | 7.1744% | 3,471 |
| Retained earnings to average equity (ytd only) | 2.9900% | 3,634 |
| Net charge-offs to loans | -0.0150% | 3,877 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8733% | 1,119 |
| Assets per employee ($millions) | 4.2770% | 4,284 |
| Cash dividends to net income (ytd only)* | 58.3245% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,776 |
| Loan loss allowance to noncurrent loans | 525.3968% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,997 |
| Noncurrent loans to loans | 0.1893% | 3,002 |
| Net loans and leases to total assets | 57.0762% | 2,471 |
| Net loans and leases to deposits | 65.3516% | 2,563 |
| Net loans and leases to core deposits | 66.7994% | 2,753 |
| Total domestic deposits to total assets | 87.3371% | 2,367 |
| Equity capital to assets | 11.3744% | 1,568 |
| Core capital (leverage) ratio | 11.1474% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1370% | 873 |
| Memoranda: | ||
| Average total assets | $109,245,200 | 3,901 |
| Average earning assets | $97,155,200 | 3,939 |
| Average equity | $13,144,000 | 3,815 |
| Average total loans | $66,621,200 | 3,715 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 590 |
| Cost of funding earning assets | 0.5564% | 801 |
| Net interest margin | 4.0256% | 753 |
| Noninterest income to average assets | 0.3727% | 3,242 |
| Noninterest expense to average assets | 2.8415% | 1,242 |
| Loan and lease loss provision to assets | -0.0622% | 4,505 |
| Net operating income to assets | 1.1039% | 2,541 |
| Return on assets (ROA) | 1.1416% | 2,459 |
| Pretax return on assets | 1.2072% | 2,904 |
| Return on Equity (ROE) | 9.3510% | 2,983 |
| Retained earnings to average equity (ytd only) | 5.8013% | 2,914 |
| Net charge-offs to loans | -0.0140% | 3,814 |
| Credit loss provision to net charge-offs | 714.2857% | 635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7854% | 1,863 |
| Assets per employee ($millions) | 4.0156% | 4,443 |
| Cash dividends to net income (ytd only)* | 37.9610% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,996 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 60.6945% | 2,172 |
| Net loans and leases to deposits | 72.4166% | 2,007 |
| Net loans and leases to core deposits | 74.2494% | 2,210 |
| Total domestic deposits to total assets | 83.8129% | 3,506 |
| Equity capital to assets | 12.4119% | 1,216 |
| Core capital (leverage) ratio | 11.7817% | 1,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3976% | 763 |
| Memoranda: | ||
| Average total assets | $107,686,750 | 3,967 |
| Average earning assets | $95,618,250 | 4,002 |
| Average equity | $13,146,250 | 3,869 |
| Average total loans | $66,633,250 | 3,767 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 1,050 |
| Cost of funding earning assets | 0.5663% | 882 |
| Net interest margin | 3.7063% | 1,336 |
| Noninterest income to average assets | 0.3593% | 3,308 |
| Noninterest expense to average assets | 2.8425% | 1,265 |
| Loan and lease loss provision to assets | -0.0186% | 4,425 |
| Net operating income to assets | 0.7786% | 3,568 |
| Return on assets (ROA) | 0.8153% | 3,536 |
| Pretax return on assets | 0.8637% | 3,737 |
| Return on Equity (ROE) | 6.7164% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.6496% | 3,632 |
| Net charge-offs to loans | -0.0180% | 3,944 |
| Credit loss provision to net charge-offs | 166.6667% | 1,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3673% | 1,299 |
| Assets per employee ($millions) | 4.0920% | 4,396 |
| Cash dividends to net income (ytd only)* | 45.6621% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 4,087 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 60.4790% | 2,365 |
| Net loans and leases to deposits | 71.6650% | 2,242 |
| Net loans and leases to core deposits | 73.6419% | 2,444 |
| Total domestic deposits to total assets | 84.3913% | 3,319 |
| Equity capital to assets | 11.9050% | 1,412 |
| Core capital (leverage) ratio | 11.4065% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9928% | 807 |
| Memoranda: | ||
| Average total assets | $107,442,333 | 3,982 |
| Average earning assets | $95,350,000 | 4,032 |
| Average equity | $13,042,667 | 3,890 |
| Average total loans | $66,672,667 | 3,785 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 1,281 |
| Cost of funding earning assets | 0.5763% | 983 |
| Net interest margin | 3.5772% | 1,644 |
| Noninterest income to average assets | 0.3474% | 3,357 |
| Noninterest expense to average assets | 2.9456% | 1,072 |
| Loan and lease loss provision to assets | -0.0378% | 4,627 |
| Net operating income to assets | 0.5672% | 4,026 |
| Return on assets (ROA) | 0.6382% | 3,910 |
| Pretax return on assets | 0.6797% | 4,058 |
| Return on Equity (ROE) | 5.2050% | 4,051 |
| Retained earnings to average equity (ytd only) | 2.1251% | 3,985 |
| Net charge-offs to loans | -0.0362% | 4,264 |
| Credit loss provision to net charge-offs | 166.6667% | 949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0323% | 889 |
| Assets per employee ($millions) | 3.9544% | 4,505 |
| Cash dividends to net income (ytd only)* | 59.1716% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,172 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.2647% | 2,773 |
| Net loans and leases to deposits | 68.8704% | 2,615 |
| Net loans and leases to core deposits | 70.1785% | 2,849 |
| Total domestic deposits to total assets | 84.6004% | 3,251 |
| Equity capital to assets | 11.7129% | 1,432 |
| Core capital (leverage) ratio | 11.7177% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0320% | 785 |
| Memoranda: | ||
| Average total assets | $105,922,000 | 4,007 |
| Average earning assets | $93,703,500 | 4,053 |
| Average equity | $12,987,500 | 3,904 |
| Average total loans | $66,225,500 | 3,808 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 696 |
| Cost of funding earning assets | 0.7652% | 1,369 |
| Net interest margin | 4.0637% | 850 |
| Noninterest income to average assets | 0.3928% | 3,134 |
| Noninterest expense to average assets | 3.1988% | 1,060 |
| Loan and lease loss provision to assets | 0.0258% | 4,073 |
| Net operating income to assets | 0.7140% | 3,387 |
| Return on assets (ROA) | 0.7072% | 3,544 |
| Pretax return on assets | 0.7412% | 3,786 |
| Return on Equity (ROE) | 5.3894% | 3,782 |
| Retained earnings to average equity (ytd only) | 4.4859% | 2,540 |
| Net charge-offs to loans | -0.0591% | 4,701 |
| Credit loss provision to net charge-offs | -62.5000% | 3,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8692% | 1,247 |
| Assets per employee ($millions) | 3.7452% | 4,542 |
| Cash dividends to net income (ytd only)* | 16.7638% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 4,213 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 65.7021% | 2,136 |
| Net loans and leases to deposits | 79.0524% | 1,973 |
| Net loans and leases to core deposits | 80.2275% | 2,345 |
| Total domestic deposits to total assets | 83.1121% | 3,378 |
| Equity capital to assets | 12.8619% | 1,150 |
| Core capital (leverage) ratio | 12.2502% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2821% | 1,003 |
| Memoranda: | ||
| Average total assets | $97,004,200 | 4,037 |
| Average earning assets | $85,463,400 | 4,083 |
| Average equity | $12,728,800 | 3,893 |
| Average total loans | $67,691,600 | 3,781 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 691 |
| Cost of funding earning assets | 0.7924% | 1,539 |
| Net interest margin | 4.1381% | 831 |
| Noninterest income to average assets | 0.4029% | 3,063 |
| Noninterest expense to average assets | 3.1160% | 1,207 |
| Loan and lease loss provision to assets | 0.0625% | 3,558 |
| Net operating income to assets | 0.8439% | 2,935 |
| Return on assets (ROA) | 0.8266% | 3,119 |
| Pretax return on assets | 0.8627% | 3,483 |
| Return on Equity (ROE) | 6.2665% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.0554% | 2,533 |
| Net charge-offs to loans | -0.0786% | 4,780 |
| Credit loss provision to net charge-offs | -112.5000% | 3,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1766% | 1,623 |
| Assets per employee ($millions) | 3.4027% | 4,705 |
| Cash dividends to net income (ytd only)* | 19.3277% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 3,192 |
| Loan loss allowance to noncurrent loans | 18.6383% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 4.3789% | 69 |
| Noncurrent loans to loans | 5.9207% | 73 |
| Net loans and leases to total assets | 72.6172% | 1,567 |
| Net loans and leases to deposits | 88.3669% | 1,444 |
| Net loans and leases to core deposits | 89.3114% | 2,036 |
| Total domestic deposits to total assets | 82.1769% | 3,373 |
| Equity capital to assets | 13.5597% | 983 |
| Core capital (leverage) ratio | 12.7018% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3498% | 1,174 |
| Memoranda: | ||
| Average total assets | $95,975,250 | 4,048 |
| Average earning assets | $84,803,500 | 4,102 |
| Average equity | $12,659,500 | 3,905 |
| Average total loans | $67,817,000 | 3,794 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7757% | 1,226 |
| Cost of funding earning assets | 0.8342% | 1,656 |
| Net interest margin | 3.9414% | 1,464 |
| Noninterest income to average assets | 0.3950% | 3,115 |
| Noninterest expense to average assets | 3.1307% | 1,282 |
| Loan and lease loss provision to assets | 0.0728% | 3,391 |
| Net operating income to assets | 0.6662% | 3,521 |
| Return on assets (ROA) | 0.6320% | 3,718 |
| Pretax return on assets | 0.6527% | 3,966 |
| Return on Equity (ROE) | 4.8358% | 3,878 |
| Retained earnings to average equity (ytd only) | 4.8358% | 2,552 |
| Net charge-offs to loans | -0.1013% | 4,851 |
| Credit loss provision to net charge-offs | -102.9412% | 3,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6944% | 1,293 |
| Assets per employee ($millions) | 3.4931% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,126 |
| Loan loss allowance to noncurrent loans | 18.9711% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 4.1050% | 82 |
| Noncurrent loans to loans | 5.7400% | 77 |
| Net loans and leases to total assets | 70.2080% | 1,997 |
| Net loans and leases to deposits | 84.8017% | 1,914 |
| Net loans and leases to core deposits | 85.6745% | 2,463 |
| Total domestic deposits to total assets | 82.7908% | 3,149 |
| Equity capital to assets | 13.0317% | 1,151 |
| Core capital (leverage) ratio | 12.4730% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7924% | 1,300 |
| Memoranda: | ||
| Average total assets | $96,208,667 | 4,046 |
| Average earning assets | $85,349,333 | 4,095 |
| Average equity | $12,573,000 | 3,921 |
| Average total loans | $67,103,333 | 3,811 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8052% | 1,403 |
| Cost of funding earning assets | 0.8893% | 1,925 |
| Net interest margin | 3.9158% | 1,623 |
| Noninterest income to average assets | 0.4444% | 2,819 |
| Noninterest expense to average assets | 3.2827% | 1,255 |
| Loan and lease loss provision to assets | 0.1467% | 1,932 |
| Net operating income to assets | 0.5492% | 3,742 |
| Return on assets (ROA) | 0.4612% | 4,046 |
| Pretax return on assets | 0.4528% | 4,203 |
| Return on Equity (ROE) | 3.5238% | 4,088 |
| Retained earnings to average equity (ytd only) | 3.5238% | 2,881 |
| Net charge-offs to loans | -0.1698% | 4,923 |
| Credit loss provision to net charge-offs | -125.0000% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9303% | 1,350 |
| Assets per employee ($millions) | 3.3182% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,036 |
| Loan loss allowance to noncurrent loans | 824.1758% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 4,002 |
| Noncurrent loans to loans | 0.1373% | 3,973 |
| Net loans and leases to total assets | 68.0987% | 2,521 |
| Net loans and leases to deposits | 82.3283% | 2,413 |
| Net loans and leases to core deposits | 82.8717% | 2,947 |
| Total domestic deposits to total assets | 82.7160% | 3,199 |
| Equity capital to assets | 13.0367% | 1,413 |
| Core capital (leverage) ratio | 12.3487% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0969% | 1,327 |
| Memoranda: | ||
| Average total assets | $95,409,000 | 4,053 |
| Average earning assets | $85,907,500 | 4,080 |
| Average equity | $12,486,500 | 3,947 |
| Average total loans | $65,942,500 | 3,851 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 1,358 |
| Cost of funding earning assets | 0.9448% | 1,983 |
| Net interest margin | 4.0990% | 1,545 |
| Noninterest income to average assets | 0.4760% | 2,874 |
| Noninterest expense to average assets | 3.4594% | 1,019 |
| Loan and lease loss provision to assets | -0.0824% | 5,057 |
| Net operating income to assets | 0.7300% | 3,768 |
| Return on assets (ROA) | 0.7486% | 3,786 |
| Pretax return on assets | 0.7959% | 3,980 |
| Return on Equity (ROE) | 5.4791% | 4,069 |
| Retained earnings to average equity (ytd only) | -0.6356% | 4,777 |
| Net charge-offs to loans | 0.0892% | 1,843 |
| Credit loss provision to net charge-offs | -125.0000% | 4,243 |
| Earnings coverage of net charge-offs (x) | 10.5167% | 2,565 |
| Efficiency ratio | 78.5601% | 1,086 |
| Assets per employee ($millions) | 3.2617% | 4,672 |
| Cash dividends to net income (ytd only)* | 111.6006% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,236 |
| Loan loss allowance to noncurrent loans | 202.6549% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 2,845 |
| Noncurrent loans to loans | 0.5167% | 2,633 |
| Net loans and leases to total assets | 68.6309% | 2,596 |
| Net loans and leases to deposits | 83.1206% | 2,427 |
| Net loans and leases to core deposits | 83.6777% | 2,981 |
| Total domestic deposits to total assets | 82.5679% | 3,340 |
| Equity capital to assets | 13.1388% | 1,441 |
| Core capital (leverage) ratio | 12.5694% | 1,448 |
| Tier 1 risk-based capital ratio | 16.5541% | 2,199 |
| Total risk-based capital ratio | 17.5413% | 2,242 |
| Memoranda: | ||
| Average total assets | $90,970,000 | 4,132 |
| Average earning assets | $81,605,600 | 4,160 |
| Average equity | $12,429,000 | 3,946 |
| Average total loans | $67,289,000 | 3,829 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 1,372 |
| Cost of funding earning assets | 0.9417% | 2,031 |
| Net interest margin | 4.1229% | 1,566 |
| Noninterest income to average assets | 0.4885% | 2,804 |
| Noninterest expense to average assets | 3.4182% | 1,055 |
| Loan and lease loss provision to assets | -0.0592% | 5,131 |
| Net operating income to assets | 0.7818% | 3,732 |
| Return on assets (ROA) | 0.8068% | 3,735 |
| Pretax return on assets | 0.8571% | 3,986 |
| Return on Equity (ROE) | 5.8463% | 4,090 |
| Retained earnings to average equity (ytd only) | -0.9655% | 4,856 |
| Net charge-offs to loans | 0.1378% | 1,165 |
| Credit loss provision to net charge-offs | -57.1429% | 4,037 |
| Earnings coverage of net charge-offs (x) | 7.4429% | 2,741 |
| Efficiency ratio | 76.8551% | 1,234 |
| Assets per employee ($millions) | 3.2993% | 4,668 |
| Cash dividends to net income (ytd only)* | 116.5141% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,389 |
| Loan loss allowance to noncurrent loans | 14,240.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,524 |
| Noncurrent loans to loans | 0.0072% | 4,652 |
| Net loans and leases to total assets | 76.6785% | 1,363 |
| Net loans and leases to deposits | 95.2398% | 1,104 |
| Net loans and leases to core deposits | 95.9327% | 2,000 |
| Total domestic deposits to total assets | 80.5110% | 3,865 |
| Equity capital to assets | 13.9311% | 1,178 |
| Core capital (leverage) ratio | 13.0366% | 1,325 |
| Tier 1 risk-based capital ratio | 15.9535% | 2,446 |
| Total risk-based capital ratio | 16.9443% | 2,498 |
| Memoranda: | ||
| Average total assets | $90,065,000 | 4,200 |
| Average earning assets | $80,847,500 | 4,222 |
| Average equity | $12,429,250 | 3,982 |
| Average total loans | $67,710,000 | 3,863 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9293% | 1,667 |
| Cost of funding earning assets | 0.9253% | 2,031 |
| Net interest margin | 4.0040% | 1,906 |
| Noninterest income to average assets | 0.4669% | 2,865 |
| Noninterest expense to average assets | 3.5091% | 948 |
| Loan and lease loss provision to assets | -0.0664% | 5,189 |
| Net operating income to assets | 0.5849% | 4,345 |
| Return on assets (ROA) | 0.5974% | 4,351 |
| Pretax return on assets | 0.6372% | 4,477 |
| Return on Equity (ROE) | 4.3423% | 4,514 |
| Retained earnings to average equity (ytd only) | -2.6537% | 4,955 |
| Net charge-offs to loans | 0.2438% | 693 |
| Credit loss provision to net charge-offs | -36.5854% | 3,806 |
| Earnings coverage of net charge-offs (x) | 3.0732% | 2,880 |
| Efficiency ratio | 81.4472% | 844 |
| Assets per employee ($millions) | 3.2300% | 4,752 |
| Cash dividends to net income (ytd only)* | 161.1111% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,378 |
| Loan loss allowance to noncurrent loans | 4,733.3333% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 4,516 |
| Noncurrent loans to loans | 0.0220% | 4,615 |
| Net loans and leases to total assets | 74.5105% | 1,803 |
| Net loans and leases to deposits | 91.0673% | 1,613 |
| Net loans and leases to core deposits | 91.7056% | 2,439 |
| Total domestic deposits to total assets | 81.8191% | 3,571 |
| Equity capital to assets | 13.6398% | 1,270 |
| Core capital (leverage) ratio | 12.7188% | 1,432 |
| Tier 1 risk-based capital ratio | 15.7282% | 2,533 |
| Total risk-based capital ratio | 16.7127% | 2,560 |
| Memoranda: | ||
| Average total assets | $90,393,000 | 4,216 |
| Average earning assets | $81,269,000 | 4,243 |
| Average equity | $12,435,670 | 3,990 |
| Average total loans | $67,274,000 | 3,898 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8080% | 1,876 |
| Cost of funding earning assets | 0.9006% | 1,998 |
| Net interest margin | 3.9074% | 2,162 |
| Noninterest income to average assets | 0.4957% | 2,575 |
| Noninterest expense to average assets | 3.6428% | 806 |
| Loan and lease loss provision to assets | -0.0664% | 5,270 |
| Net operating income to assets | 0.4054% | 4,722 |
| Return on assets (ROA) | 0.4471% | 4,664 |
| Pretax return on assets | 0.4780% | 4,733 |
| Return on Equity (ROE) | 3.2358% | 4,732 |
| Retained earnings to average equity (ytd only) | 3.2358% | 3,630 |
| Net charge-offs to loans | 0.5803% | 257 |
| Credit loss provision to net charge-offs | -15.4639% | 3,435 |
| Earnings coverage of net charge-offs (x) | 0.8557% | 2,640 |
| Efficiency ratio | 85.8720% | 587 |
| Assets per employee ($millions) | 3.0917% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 3,313 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 1,722 |
| Noncurrent loans to loans | 1.0679% | 1,561 |
| Net loans and leases to total assets | 73.3632% | 1,919 |
| Net loans and leases to deposits | 90.0967% | 1,613 |
| Net loans and leases to core deposits | 91.4190% | 2,355 |
| Total domestic deposits to total assets | 81.4272% | 3,872 |
| Equity capital to assets | 14.0188% | 1,032 |
| Core capital (leverage) ratio | 12.7398% | 1,381 |
| Tier 1 risk-based capital ratio | 15.9676% | 2,454 |
| Total risk-based capital ratio | 16.9478% | 2,492 |
| Memoranda: | ||
| Average total assets | $90,369,000 | 4,259 |
| Average earning assets | $81,282,000 | 4,291 |
| Average equity | $12,485,500 | 4,004 |
| Average total loans | $66,862,000 | 3,948 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8449% | 1,437 |
| Cost of funding earning assets | 0.7309% | 1,895 |
| Net interest margin | 4.1140% | 1,638 |
| Noninterest income to average assets | 0.5092% | 2,781 |
| Noninterest expense to average assets | 3.4471% | 1,078 |
| Loan and lease loss provision to assets | -0.2786% | 5,356 |
| Net operating income to assets | 0.9713% | 3,132 |
| Return on assets (ROA) | 0.9713% | 3,131 |
| Pretax return on assets | 1.0303% | 3,512 |
| Return on Equity (ROE) | 7.3425% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.8647% | 2,852 |
| Net charge-offs to loans | -0.3581% | 5,320 |
| Credit loss provision to net charge-offs | 106.2500% | 2,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4395% | 1,188 |
| Assets per employee ($millions) | 3.2529% | 4,781 |
| Cash dividends to net income (ytd only)* | 33.7458% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,448 |
| Loan loss allowance to noncurrent loans | 98.5612% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 1,513 |
| Noncurrent loans to loans | 1.2404% | 1,285 |
| Net loans and leases to total assets | 72.9205% | 2,114 |
| Net loans and leases to deposits | 90.4628% | 1,739 |
| Net loans and leases to core deposits | 91.7779% | 2,425 |
| Total domestic deposits to total assets | 80.6083% | 3,975 |
| Equity capital to assets | 13.6166% | 1,101 |
| Core capital (leverage) ratio | 12.7179% | 1,364 |
| Tier 1 risk-based capital ratio | 15.9885% | 2,409 |
| Total risk-based capital ratio | 17.1435% | 2,382 |
| Memoranda: | ||
| Average total assets | $91,525,000 | 4,242 |
| Average earning assets | $82,085,800 | 4,282 |
| Average equity | $12,107,600 | 4,006 |
| Average total loans | $67,015,200 | 3,936 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 1,513 |
| Cost of funding earning assets | 0.6760% | 1,995 |
| Net interest margin | 4.0882% | 1,663 |
| Noninterest income to average assets | 0.5267% | 2,703 |
| Noninterest expense to average assets | 3.3014% | 1,299 |
| Loan and lease loss provision to assets | -0.3201% | 5,431 |
| Net operating income to assets | 1.1465% | 2,449 |
| Return on assets (ROA) | 1.1465% | 2,462 |
| Pretax return on assets | 1.2149% | 2,932 |
| Return on Equity (ROE) | 8.7306% | 3,224 |
| Retained earnings to average equity (ytd only) | 6.2377% | 2,531 |
| Net charge-offs to loans | -0.3743% | 5,379 |
| Credit loss provision to net charge-offs | 117.0213% | 2,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0291% | 1,591 |
| Assets per employee ($millions) | 3.0504% | 5,003 |
| Cash dividends to net income (ytd only)* | 28.5531% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 2,659 |
| Loan loss allowance to noncurrent loans | 72.0036% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4729% | 879 |
| Noncurrent loans to loans | 1.6572% | 944 |
| Net loans and leases to total assets | 75.3533% | 1,758 |
| Net loans and leases to deposits | 94.3978% | 1,333 |
| Net loans and leases to core deposits | 95.8226% | 2,134 |
| Total domestic deposits to total assets | 79.8252% | 4,154 |
| Equity capital to assets | 13.8229% | 1,016 |
| Core capital (leverage) ratio | 12.7579% | 1,389 |
| Tier 1 risk-based capital ratio | 15.8451% | 2,508 |
| Total risk-based capital ratio | 16.9731% | 2,493 |
| Memoranda: | ||
| Average total assets | $91,636,250 | 4,285 |
| Average earning assets | $82,250,500 | 4,321 |
| Average equity | $12,034,000 | 4,052 |
| Average total loans | $66,959,500 | 3,971 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,555 |
| Cost of funding earning assets | 0.6550% | 1,900 |
| Net interest margin | 4.0239% | 1,780 |
| Noninterest income to average assets | 0.5351% | 2,667 |
| Noninterest expense to average assets | 3.2796% | 1,370 |
| Loan and lease loss provision to assets | -0.5070% | 5,513 |
| Net operating income to assets | 1.2924% | 1,802 |
| Return on assets (ROA) | 1.2924% | 1,794 |
| Pretax return on assets | 1.3679% | 2,260 |
| Return on Equity (ROE) | 10.0089% | 2,559 |
| Retained earnings to average equity (ytd only) | 7.5025% | 1,841 |
| Net charge-offs to loans | -0.5510% | 5,447 |
| Credit loss provision to net charge-offs | 127.7174% | 1,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5701% | 1,628 |
| Assets per employee ($millions) | 3.2603% | 4,868 |
| Cash dividends to net income (ytd only)* | 25.0417% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,663 |
| Loan loss allowance to noncurrent loans | 507.0968% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4294% | 3,006 |
| Noncurrent loans to loans | 0.2383% | 3,854 |
| Net loans and leases to total assets | 70.3806% | 2,523 |
| Net loans and leases to deposits | 87.0111% | 2,220 |
| Net loans and leases to core deposits | 88.2626% | 2,697 |
| Total domestic deposits to total assets | 80.8869% | 4,026 |
| Equity capital to assets | 13.3205% | 1,176 |
| Core capital (leverage) ratio | 12.1497% | 1,617 |
| Tier 1 risk-based capital ratio | 15.6866% | 2,553 |
| Total risk-based capital ratio | 16.7923% | 2,561 |
| Memoranda: | ||
| Average total assets | $92,694,330 | 4,302 |
| Average earning assets | $83,054,330 | 4,341 |
| Average equity | $11,969,330 | 4,087 |
| Average total loans | $66,791,330 | 4,004 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 1,515 |
| Cost of funding earning assets | 0.6193% | 1,917 |
| Net interest margin | 3.9988% | 1,733 |
| Noninterest income to average assets | 0.4797% | 2,939 |
| Noninterest expense to average assets | 3.2635% | 1,423 |
| Loan and lease loss provision to assets | -0.2356% | 5,560 |
| Net operating income to assets | 0.9593% | 3,035 |
| Return on assets (ROA) | 0.9593% | 3,051 |
| Pretax return on assets | 1.0193% | 3,467 |
| Return on Equity (ROE) | 7.5459% | 3,565 |
| Retained earnings to average equity (ytd only) | 7.5459% | 2,022 |
| Net charge-offs to loans | -0.0414% | 4,883 |
| Credit loss provision to net charge-offs | 785.7143% | 420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8730% | 1,610 |
| Assets per employee ($millions) | 3.3291% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,888 |
| Loan loss allowance to noncurrent loans | 384.8780% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.5867% | 856 |
| Noncurrent loans to loans | 0.3084% | 3,666 |
| Net loans and leases to total assets | 70.4562% | 2,395 |
| Net loans and leases to deposits | 86.4202% | 2,107 |
| Net loans and leases to core deposits | 87.6239% | 2,664 |
| Total domestic deposits to total assets | 81.5275% | 4,081 |
| Equity capital to assets | 12.8114% | 1,334 |
| Core capital (leverage) ratio | 11.8091% | 1,772 |
| Tier 1 risk-based capital ratio | 14.6730% | 3,039 |
| Total risk-based capital ratio | 15.7370% | 3,037 |
| Memoranda: | ||
| Average total assets | $93,397,500 | 4,341 |
| Average earning assets | $83,325,500 | 4,386 |
| Average equity | $11,874,000 | 4,144 |
| Average total loans | $67,669,500 | 4,019 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,530 |
| Cost of funding earning assets | 0.5797% | 1,742 |
| Net interest margin | 3.9835% | 1,800 |
| Noninterest income to average assets | 0.4518% | 3,299 |
| Noninterest expense to average assets | 3.1518% | 1,717 |
| Loan and lease loss provision to assets | 0.4038% | 364 |
| Net operating income to assets | 0.4267% | 4,602 |
| Return on assets (ROA) | 0.4267% | 4,624 |
| Pretax return on assets | 0.4584% | 4,999 |
| Return on Equity (ROE) | 3.3087% | 4,743 |
| Retained earnings to average equity (ytd only) | 0.7701% | 4,732 |
| Net charge-offs to loans | 0.0907% | 2,180 |
| Credit loss provision to net charge-offs | 616.6667% | 519 |
| Earnings coverage of net charge-offs (x) | 13.1667% | 2,417 |
| Efficiency ratio | 73.6542% | 1,953 |
| Assets per employee ($millions) | 3.2269% | 5,007 |
| Cash dividends to net income (ytd only)* | 76.7263% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,687 |
| Loan loss allowance to noncurrent loans | 203.6496% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 691 |
| Noncurrent loans to loans | 0.5967% | 2,737 |
| Net loans and leases to total assets | 72.7049% | 2,134 |
| Net loans and leases to deposits | 88.8712% | 1,916 |
| Net loans and leases to core deposits | 90.4725% | 2,518 |
| Total domestic deposits to total assets | 81.8093% | 3,909 |
| Equity capital to assets | 12.6158% | 1,447 |
| Core capital (leverage) ratio | 11.6679% | 1,817 |
| Tier 1 risk-based capital ratio | 14.2231% | 3,237 |
| Total risk-based capital ratio | 15.3450% | 3,210 |
| Memoranda: | ||
| Average total assets | $91,631,400 | 4,398 |
| Average earning assets | $81,938,400 | 4,432 |
| Average equity | $11,817,200 | 4,172 |
| Average total loans | $66,146,000 | 4,050 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4727% | 1,718 |
| Cost of funding earning assets | 0.5630% | 1,789 |
| Net interest margin | 3.9098% | 2,009 |
| Noninterest income to average assets | 0.4696% | 3,216 |
| Noninterest expense to average assets | 3.0442% | 1,980 |
| Loan and lease loss provision to assets | 0.3803% | 373 |
| Net operating income to assets | 0.5135% | 4,695 |
| Return on assets (ROA) | 0.5135% | 4,723 |
| Pretax return on assets | 0.5500% | 4,930 |
| Return on Equity (ROE) | 3.9593% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.2673% | 4,507 |
| Net charge-offs to loans | -0.0061% | 4,497 |
| Credit loss provision to net charge-offs | -8,666.6667% | 5,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6599% | 2,251 |
| Assets per employee ($millions) | 3.1400% | 5,133 |
| Cash dividends to net income (ytd only)* | 42.7360% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 3,148 |
| Loan loss allowance to noncurrent loans | 424.7312% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 888 |
| Noncurrent loans to loans | 0.2731% | 3,974 |
| Net loans and leases to total assets | 73.9340% | 1,924 |
| Net loans and leases to deposits | 96.0743% | 1,110 |
| Net loans and leases to core deposits | 97.9629% | 1,889 |
| Total domestic deposits to total assets | 76.9550% | 4,903 |
| Equity capital to assets | 13.1362% | 1,320 |
| Core capital (leverage) ratio | 11.7368% | 1,859 |
| Tier 1 risk-based capital ratio | 14.4594% | 3,206 |
| Total risk-based capital ratio | 15.5293% | 3,212 |
| Memoranda: | ||
| Average total assets | $91,144,000 | 4,448 |
| Average earning assets | $81,707,750 | 4,480 |
| Average equity | $11,820,000 | 4,210 |
| Average total loans | $65,463,750 | 4,094 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 1,944 |
| Cost of funding earning assets | 0.5425% | 1,825 |
| Net interest margin | 3.8169% | 2,227 |
| Noninterest income to average assets | 0.4497% | 3,354 |
| Noninterest expense to average assets | 3.0514% | 1,971 |
| Loan and lease loss provision to assets | 0.4168% | 309 |
| Net operating income to assets | 0.3795% | 5,021 |
| Return on assets (ROA) | 0.3795% | 5,048 |
| Pretax return on assets | 0.4080% | 5,168 |
| Return on Equity (ROE) | 2.9390% | 5,141 |
| Retained earnings to average equity (ytd only) | 0.3907% | 4,996 |
| Net charge-offs to loans | 0.0093% | 3,132 |
| Credit loss provision to net charge-offs | 6,333.3333% | 61 |
| Earnings coverage of net charge-offs (x) | 125.3333% | 561 |
| Efficiency ratio | 73.6842% | 2,071 |
| Assets per employee ($millions) | 3.0193% | 5,252 |
| Cash dividends to net income (ytd only)* | 86.7052% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 3,606 |
| Loan loss allowance to noncurrent loans | 408.0000% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 1.7377% | 814 |
| Noncurrent loans to loans | 0.2686% | 4,078 |
| Net loans and leases to total assets | 71.1526% | 2,347 |
| Net loans and leases to deposits | 87.5953% | 2,036 |
| Net loans and leases to core deposits | 89.2301% | 2,595 |
| Total domestic deposits to total assets | 81.2287% | 4,123 |
| Equity capital to assets | 13.0161% | 1,373 |
| Core capital (leverage) ratio | 11.4118% | 2,034 |
| Tier 1 risk-based capital ratio | 14.3508% | 3,239 |
| Total risk-based capital ratio | 15.3310% | 3,304 |
| Memoranda: | ||
| Average total assets | $91,171,670 | 4,476 |
| Average earning assets | $81,847,330 | 4,508 |
| Average equity | $11,772,670 | 4,227 |
| Average total loans | $64,580,000 | 4,134 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,286 |
| Cost of funding earning assets | 0.5350% | 1,825 |
| Net interest margin | 3.6626% | 2,641 |
| Noninterest income to average assets | 0.4417% | 3,364 |
| Noninterest expense to average assets | 3.1749% | 1,684 |
| Loan and lease loss provision to assets | 0.1093% | 1,751 |
| Net operating income to assets | 0.4198% | 4,892 |
| Return on assets (ROA) | 0.4198% | 4,913 |
| Pretax return on assets | 0.4504% | 5,058 |
| Return on Equity (ROE) | 3.2642% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.2642% | 3,802 |
| Net charge-offs to loans | -0.0373% | 5,039 |
| Credit loss provision to net charge-offs | -416.6667% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7424% | 1,410 |
| Assets per employee ($millions) | 3.0505% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,815 |
| Loan loss allowance to noncurrent loans | 45.0727% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 814 |
| Noncurrent loans to loans | 1.9645% | 909 |
| Net loans and leases to total assets | 68.2540% | 2,637 |
| Net loans and leases to deposits | 83.8698% | 2,297 |
| Net loans and leases to core deposits | 85.1201% | 2,799 |
| Total domestic deposits to total assets | 81.3810% | 4,326 |
| Equity capital to assets | 12.9161% | 1,291 |
| Core capital (leverage) ratio | 11.4928% | 1,954 |
| Tier 1 risk-based capital ratio | 14.6704% | 3,130 |
| Total risk-based capital ratio | 15.4513% | 3,281 |
| Memoranda: | ||
| Average total assets | $91,467,500 | 4,509 |
| Average earning assets | $82,236,000 | 4,549 |
| Average equity | $11,764,000 | 4,255 |
| Average total loans | $64,288,000 | 4,177 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 1,132 |
| Cost of funding earning assets | 0.4565% | 2,478 |
| Net interest margin | 4.2083% | 1,095 |
| Noninterest income to average assets | 0.4974% | 3,257 |
| Noninterest expense to average assets | 3.1799% | 1,843 |
| Loan and lease loss provision to assets | 0.2230% | 981 |
| Net operating income to assets | 0.8165% | 3,228 |
| Return on assets (ROA) | 0.8187% | 3,320 |
| Pretax return on assets | 0.8702% | 3,942 |
| Return on Equity (ROE) | 6.2225% | 3,877 |
| Retained earnings to average equity (ytd only) | 3.6153% | 3,349 |
| Net charge-offs to loans | 0.2988% | 927 |
| Credit loss provision to net charge-offs | 102.0942% | 2,522 |
| Earnings coverage of net charge-offs (x) | 4.9948% | 3,410 |
| Efficiency ratio | 69.6653% | 2,965 |
| Assets per employee ($millions) | 2.9491% | 5,390 |
| Cash dividends to net income (ytd only)* | 41.8994% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 5,095 |
| Loan loss allowance to noncurrent loans | 42.6031% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 1.6287% | 968 |
| Noncurrent loans to loans | 1.8869% | 981 |
| Net loans and leases to total assets | 71.1314% | 2,317 |
| Net loans and leases to deposits | 87.2708% | 2,018 |
| Net loans and leases to core deposits | 88.5676% | 2,623 |
| Total domestic deposits to total assets | 81.5064% | 4,205 |
| Equity capital to assets | 12.8067% | 1,345 |
| Core capital (leverage) ratio | 11.6490% | 1,828 |
| Tier 1 risk-based capital ratio | 14.6067% | 3,148 |
| Total risk-based capital ratio | 15.3510% | 3,327 |
| Memoranda: | ||
| Average total assets | $87,455,800 | 4,596 |
| Average earning assets | $78,415,600 | 4,618 |
| Average equity | $11,506,600 | 4,335 |
| Average total loans | $63,932,400 | 4,181 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,113 |
| Cost of funding earning assets | 0.4246% | 2,783 |
| Net interest margin | 4.2547% | 1,015 |
| Noninterest income to average assets | 0.5089% | 3,185 |
| Noninterest expense to average assets | 3.1195% | 1,980 |
| Loan and lease loss provision to assets | 0.2776% | 625 |
| Net operating income to assets | 0.8745% | 3,033 |
| Return on assets (ROA) | 0.8774% | 3,149 |
| Pretax return on assets | 0.9314% | 3,871 |
| Return on Equity (ROE) | 6.6221% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.1307% | 4,040 |
| Net charge-offs to loans | 0.3757% | 590 |
| Credit loss provision to net charge-offs | 100.5587% | 2,341 |
| Earnings coverage of net charge-offs (x) | 4.3687% | 3,277 |
| Efficiency ratio | 67.3440% | 3,348 |
| Assets per employee ($millions) | 2.9607% | 5,418 |
| Cash dividends to net income (ytd only)* | 52.7239% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 5,196 |
| Loan loss allowance to noncurrent loans | 26.8580% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 2.6310% | 502 |
| Noncurrent loans to loans | 2.9677% | 509 |
| Net loans and leases to total assets | 75.9585% | 1,526 |
| Net loans and leases to deposits | 94.5202% | 1,205 |
| Net loans and leases to core deposits | 96.0345% | 1,983 |
| Total domestic deposits to total assets | 80.3622% | 4,423 |
| Equity capital to assets | 13.5744% | 1,209 |
| Core capital (leverage) ratio | 12.3290% | 1,471 |
| Tier 1 risk-based capital ratio | 14.5077% | 3,282 |
| Total risk-based capital ratio | 15.2566% | 3,478 |
| Memoranda: | ||
| Average total assets | $86,464,500 | 4,644 |
| Average earning assets | $77,559,500 | 4,677 |
| Average equity | $11,456,250 | 4,384 |
| Average total loans | $63,526,500 | 4,216 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 1,259 |
| Cost of funding earning assets | 0.4163% | 2,877 |
| Net interest margin | 4.1858% | 1,150 |
| Noninterest income to average assets | 0.4869% | 3,282 |
| Noninterest expense to average assets | 3.0808% | 2,113 |
| Loan and lease loss provision to assets | 0.4731% | 286 |
| Net operating income to assets | 0.6440% | 4,076 |
| Return on assets (ROA) | 0.6462% | 4,202 |
| Pretax return on assets | 0.6946% | 4,632 |
| Return on Equity (ROE) | 4.9166% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.9166% | 2,785 |
| Net charge-offs to loans | 0.6020% | 349 |
| Credit loss provision to net charge-offs | 108.4656% | 1,982 |
| Earnings coverage of net charge-offs (x) | 2.6720% | 3,237 |
| Efficiency ratio | 67.7174% | 3,398 |
| Assets per employee ($millions) | 2.9292% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 5,103 |
| Loan loss allowance to noncurrent loans | 42.6424% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 1.8882% | 891 |
| Noncurrent loans to loans | 2.0156% | 987 |
| Net loans and leases to total assets | 73.1880% | 1,985 |
| Net loans and leases to deposits | 86.1118% | 2,237 |
| Net loans and leases to core deposits | 88.4543% | 2,685 |
| Total domestic deposits to total assets | 84.9918% | 2,885 |
| Equity capital to assets | 13.7509% | 1,122 |
| Core capital (leverage) ratio | 11.9749% | 1,643 |
| Tier 1 risk-based capital ratio | 14.9194% | 3,109 |
| Total risk-based capital ratio | 15.7143% | 3,270 |
| Memoranda: | ||
| Average total assets | $86,666,000 | 4,678 |
| Average earning assets | $77,834,000 | 4,705 |
| Average equity | $11,390,000 | 4,423 |
| Average total loans | $62,788,000 | 4,262 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 1,600 |
| Cost of funding earning assets | 0.4122% | 2,930 |
| Net interest margin | 4.0558% | 1,459 |
| Noninterest income to average assets | 0.4799% | 3,261 |
| Noninterest expense to average assets | 3.2219% | 1,788 |
| Loan and lease loss provision to assets | 1.0511% | 88 |
| Net operating income to assets | -0.2102% | 5,888 |
| Return on assets (ROA) | -0.2239% | 5,902 |
| Pretax return on assets | -0.1645% | 5,882 |
| Return on Equity (ROE) | -1.7431% | 5,901 |
| Retained earnings to average equity (ytd only) | -1.7431% | 5,361 |
| Net charge-offs to loans | 1.4134% | 133 |
| Credit loss provision to net charge-offs | 103.6036% | 1,577 |
| Earnings coverage of net charge-offs (x) | 0.8874% | 2,885 |
| Efficiency ratio | 73.2816% | 2,593 |
| Assets per employee ($millions) | 2.7889% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 5,213 |
| Loan loss allowance to noncurrent loans | 32.9814% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 2.2555% | 715 |
| Noncurrent loans to loans | 2.5855% | 709 |
| Net loans and leases to total assets | 71.4120% | 2,129 |
| Net loans and leases to deposits | 83.4020% | 2,377 |
| Net loans and leases to core deposits | 85.6073% | 2,783 |
| Total domestic deposits to total assets | 85.6239% | 2,847 |
| Equity capital to assets | 13.0656% | 1,382 |
| Core capital (leverage) ratio | 11.4132% | 2,039 |
| Tier 1 risk-based capital ratio | 14.1189% | 3,609 |
| Total risk-based capital ratio | 14.8883% | 3,834 |
| Memoranda: | ||
| Average total assets | $87,525,500 | 4,702 |
| Average earning assets | $78,604,000 | 4,735 |
| Average equity | $11,244,500 | 4,460 |
| Average total loans | $62,827,000 | 4,290 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 3,226 |
| Cost of funding earning assets | 0.4255% | 2,892 |
| Net interest margin | 3.5967% | 3,152 |
| Noninterest income to average assets | 0.4577% | 3,607 |
| Noninterest expense to average assets | 2.9244% | 2,784 |
| Loan and lease loss provision to assets | 0.1213% | 1,974 |
| Net operating income to assets | 0.6138% | 4,205 |
| Return on assets (ROA) | 0.5579% | 4,559 |
| Pretax return on assets | 0.5969% | 4,845 |
| Return on Equity (ROE) | 4.7631% | 4,624 |
| Retained earnings to average equity (ytd only) | 2.0619% | 4,556 |
| Net charge-offs to loans | 0.7020% | 341 |
| Credit loss provision to net charge-offs | 27.6442% | 3,679 |
| Earnings coverage of net charge-offs (x) | 1.7740% | 4,031 |
| Efficiency ratio | 73.6257% | 2,638 |
| Assets per employee ($millions) | 2.8579% | 5,653 |
| Cash dividends to net income (ytd only)* | 56.7108% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 5,338 |
| Loan loss allowance to noncurrent loans | 48.1584% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.3658% | 1,538 |
| Noncurrent loans to loans | 1.7134% | 1,318 |
| Net loans and leases to total assets | 70.9521% | 2,207 |
| Net loans and leases to deposits | 82.0284% | 2,581 |
| Net loans and leases to core deposits | 84.9150% | 2,887 |
| Total domestic deposits to total assets | 86.4970% | 2,382 |
| Equity capital to assets | 12.6339% | 1,542 |
| Core capital (leverage) ratio | 10.8114% | 2,591 |
| Tier 1 risk-based capital ratio | 14.2665% | 3,568 |
| Total risk-based capital ratio | 15.0320% | 3,764 |
| Memoranda: | ||
| Average total assets | $94,823,800 | 4,565 |
| Average earning assets | $85,550,800 | 4,599 |
| Average equity | $11,106,200 | 4,460 |
| Average total loans | $59,257,000 | 4,393 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 3,680 |
| Cost of funding earning assets | 0.4258% | 2,953 |
| Net interest margin | 3.4955% | 3,555 |
| Noninterest income to average assets | 0.4579% | 3,655 |
| Noninterest expense to average assets | 2.8138% | 3,134 |
| Loan and lease loss provision to assets | -0.0484% | 5,910 |
| Net operating income to assets | 0.7968% | 3,441 |
| Return on assets (ROA) | 0.7968% | 3,535 |
| Pretax return on assets | 0.8494% | 4,176 |
| Return on Equity (ROE) | 6.9284% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.9284% | 1,722 |
| Net charge-offs to loans | -0.0321% | 5,384 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3689% | 2,815 |
| Assets per employee ($millions) | 3.1858% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 3,311 |
| Loan loss allowance to noncurrent loans | 49.2336% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.8656% | 1,125 |
| Noncurrent loans to loans | 2.5582% | 786 |
| Net loans and leases to total assets | 65.8666% | 3,037 |
| Net loans and leases to deposits | 85.2916% | 2,239 |
| Net loans and leases to core deposits | 89.4586% | 2,517 |
| Total domestic deposits to total assets | 77.2252% | 5,310 |
| Equity capital to assets | 12.0900% | 2,040 |
| Core capital (leverage) ratio | 10.8422% | 2,654 |
| Tier 1 risk-based capital ratio | 14.4473% | 3,609 |
| Total risk-based capital ratio | 15.6017% | 3,570 |
| Memoranda: | ||
| Average total assets | $96,381,000 | 4,582 |
| Average earning assets | $87,043,750 | 4,604 |
| Average equity | $11,084,500 | 4,513 |
| Average total loans | $58,225,500 | 4,466 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7773% | 4,141 |
| Cost of funding earning assets | 0.4304% | 2,931 |
| Net interest margin | 3.3469% | 4,115 |
| Noninterest income to average assets | 0.4428% | 3,761 |
| Noninterest expense to average assets | 2.7729% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6580% | 4,083 |
| Return on assets (ROA) | 0.6580% | 4,187 |
| Pretax return on assets | 0.6953% | 4,670 |
| Return on Equity (ROE) | 5.8201% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.8201% | 2,346 |
| Net charge-offs to loans | -0.0248% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2840% | 2,647 |
| Assets per employee ($millions) | 3.1402% | 5,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 2,746 |
| Loan loss allowance to noncurrent loans | 50.3636% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.9766% | 1,122 |
| Noncurrent loans to loans | 2.7858% | 753 |
| Net loans and leases to total assets | 64.1275% | 3,250 |
| Net loans and leases to deposits | 75.7298% | 3,299 |
| Net loans and leases to core deposits | 79.2582% | 3,467 |
| Total domestic deposits to total assets | 84.6794% | 3,257 |
| Equity capital to assets | 12.0483% | 1,985 |
| Core capital (leverage) ratio | 10.3801% | 3,107 |
| Tier 1 risk-based capital ratio | 14.7056% | 3,524 |
| Total risk-based capital ratio | 15.9550% | 3,455 |
| Memoranda: | ||
| Average total assets | $96,649,670 | 4,621 |
| Average earning assets | $87,364,330 | 4,644 |
| Average equity | $10,927,670 | 4,571 |
| Average total loans | $56,382,330 | 4,565 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,763 |
| Cost of funding earning assets | 0.4270% | 2,996 |
| Net interest margin | 3.1490% | 4,790 |
| Noninterest income to average assets | 0.4344% | 3,732 |
| Noninterest expense to average assets | 2.8560% | 3,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3979% | 5,075 |
| Return on assets (ROA) | 0.3942% | 5,202 |
| Pretax return on assets | 0.4224% | 5,382 |
| Return on Equity (ROE) | 3.5945% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.5945% | 3,845 |
| Net charge-offs to loans | -0.0291% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1275% | 1,742 |
| Assets per employee ($millions) | 3.4196% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 2,403 |
| Loan loss allowance to noncurrent loans | 108.2353% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.9065% | 2,822 |
| Noncurrent loans to loans | 1.3958% | 2,058 |
| Net loans and leases to total assets | 52.6187% | 4,598 |
| Net loans and leases to deposits | 59.1391% | 4,815 |
| Net loans and leases to core deposits | 63.7162% | 4,725 |
| Total domestic deposits to total assets | 88.9745% | 1,292 |
| Equity capital to assets | 10.8208% | 3,173 |
| Core capital (leverage) ratio | 9.9400% | 3,678 |
| Tier 1 risk-based capital ratio | 14.8212% | 3,531 |
| Total risk-based capital ratio | 16.0703% | 3,467 |
| Memoranda: | ||
| Average total assets | $99,441,000 | 4,596 |
| Average earning assets | $89,932,500 | 4,639 |
| Average equity | $10,905,500 | 4,616 |
| Average total loans | $54,958,500 | 4,642 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 4,230 |
| Cost of funding earning assets | 0.4763% | 2,923 |
| Net interest margin | 3.3973% | 4,211 |
| Noninterest income to average assets | 0.4236% | 4,019 |
| Noninterest expense to average assets | 2.6943% | 3,882 |
| Loan and lease loss provision to assets | 0.3920% | 463 |
| Net operating income to assets | 0.3803% | 5,289 |
| Return on assets (ROA) | 0.3706% | 5,389 |
| Pretax return on assets | 0.3920% | 5,506 |
| Return on Equity (ROE) | 3.7172% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.6748% | 4,975 |
| Net charge-offs to loans | 0.7244% | 503 |
| Credit loss provision to net charge-offs | 103.7736% | 2,307 |
| Earnings coverage of net charge-offs (x) | 2.1024% | 4,243 |
| Efficiency ratio | 76.8827% | 2,375 |
| Assets per employee ($millions) | 3.2098% | 5,418 |
| Cash dividends to net income (ytd only)* | 54.9451% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 2,507 |
| Loan loss allowance to noncurrent loans | 107.2917% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 2,988 |
| Noncurrent loans to loans | 1.3936% | 2,104 |
| Net loans and leases to total assets | 56.3738% | 4,279 |
| Net loans and leases to deposits | 63.5785% | 4,572 |
| Net loans and leases to core deposits | 68.8630% | 4,418 |
| Total domestic deposits to total assets | 88.6679% | 1,432 |
| Equity capital to assets | 11.1223% | 2,781 |
| Core capital (leverage) ratio | 9.4228% | 4,353 |
| Tier 1 risk-based capital ratio | 14.9958% | 3,490 |
| Total risk-based capital ratio | 16.2461% | 3,426 |
| Memoranda: | ||
| Average total assets | $98,208,400 | 4,646 |
| Average earning assets | $88,599,200 | 4,686 |
| Average equity | $9,792,400 | 4,792 |
| Average total loans | $51,212,200 | 4,777 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 4,581 |
| Cost of funding earning assets | 0.4740% | 3,016 |
| Net interest margin | 3.3148% | 4,552 |
| Noninterest income to average assets | 0.4377% | 3,968 |
| Noninterest expense to average assets | 2.5778% | 4,264 |
| Loan and lease loss provision to assets | 0.4256% | 380 |
| Net operating income to assets | 0.4067% | 5,222 |
| Return on assets (ROA) | 0.4067% | 5,299 |
| Pretax return on assets | 0.4296% | 5,521 |
| Return on Equity (ROE) | 4.1966% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.1966% | 3,660 |
| Net charge-offs to loans | 0.8732% | 379 |
| Credit loss provision to net charge-offs | 95.7447% | 2,328 |
| Earnings coverage of net charge-offs (x) | 1.9240% | 4,038 |
| Efficiency ratio | 74.7344% | 2,698 |
| Assets per employee ($millions) | 3.2158% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 2,729 |
| Loan loss allowance to noncurrent loans | 100.2519% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 3,171 |
| Noncurrent loans to loans | 1.4932% | 2,174 |
| Net loans and leases to total assets | 52.5429% | 4,749 |
| Net loans and leases to deposits | 59.7012% | 4,972 |
| Net loans and leases to core deposits | 64.5153% | 4,841 |
| Total domestic deposits to total assets | 88.0098% | 1,765 |
| Equity capital to assets | 10.3792% | 3,700 |
| Core capital (leverage) ratio | 9.7475% | 4,001 |
| Tier 1 risk-based capital ratio | 14.9882% | 3,598 |
| Total risk-based capital ratio | 16.2377% | 3,522 |
| Memoranda: | ||
| Average total assets | $98,687,250 | 4,674 |
| Average earning assets | $89,174,500 | 4,724 |
| Average equity | $9,563,000 | 4,885 |
| Average total loans | $50,238,250 | 4,853 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 4,611 |
| Cost of funding earning assets | 0.4751% | 3,066 |
| Net interest margin | 3.2985% | 4,590 |
| Noninterest income to average assets | 0.4230% | 4,068 |
| Noninterest expense to average assets | 2.6923% | 3,898 |
| Loan and lease loss provision to assets | 0.4067% | 410 |
| Net operating income to assets | 0.2847% | 5,617 |
| Return on assets (ROA) | 0.2847% | 5,685 |
| Pretax return on assets | 0.3030% | 5,778 |
| Return on Equity (ROE) | 3.0102% | 5,530 |
| Retained earnings to average equity (ytd only) | 3.0102% | 4,291 |
| Net charge-offs to loans | 1.3845% | 210 |
| Credit loss provision to net charge-offs | 58.6510% | 2,663 |
| Earnings coverage of net charge-offs (x) | 1.0235% | 3,904 |
| Efficiency ratio | 78.7806% | 2,197 |
| Assets per employee ($millions) | 3.2364% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 3,593 |
| Loan loss allowance to noncurrent loans | 71.0946% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2370% | 2,625 |
| Noncurrent loans to loans | 1.8967% | 1,808 |
| Net loans and leases to total assets | 50.4094% | 4,916 |
| Net loans and leases to deposits | 56.6036% | 5,146 |
| Net loans and leases to core deposits | 61.2282% | 5,033 |
| Total domestic deposits to total assets | 89.0569% | 1,323 |
| Equity capital to assets | 10.3519% | 3,619 |
| Core capital (leverage) ratio | 9.4029% | 4,467 |
| Tier 1 risk-based capital ratio | 15.4752% | 3,364 |
| Total risk-based capital ratio | 16.5885% | 3,399 |
| Memoranda: | ||
| Average total assets | $98,353,000 | 4,719 |
| Average earning assets | $88,829,000 | 4,762 |
| Average equity | $9,301,670 | 4,960 |
| Average total loans | $49,259,000 | 4,915 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 4,880 |
| Cost of funding earning assets | 0.4775% | 3,142 |
| Net interest margin | 3.2133% | 4,884 |
| Noninterest income to average assets | 0.4243% | 3,995 |
| Noninterest expense to average assets | 2.7237% | 3,855 |
| Loan and lease loss provision to assets | 0.2829% | 717 |
| Net operating income to assets | 0.3031% | 5,479 |
| Return on assets (ROA) | 0.3031% | 5,526 |
| Pretax return on assets | 0.3273% | 5,659 |
| Return on Equity (ROE) | 3.3606% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.3606% | 4,110 |
| Net charge-offs to loans | 0.0978% | 2,188 |
| Credit loss provision to net charge-offs | 583.3333% | 485 |
| Earnings coverage of net charge-offs (x) | 12.5833% | 1,711 |
| Efficiency ratio | 81.3333% | 2,008 |
| Assets per employee ($millions) | 3.5805% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,009 |
| Loan loss allowance to noncurrent loans | 86.1966% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 2,775 |
| Noncurrent loans to loans | 2.0989% | 1,759 |
| Net loans and leases to total assets | 45.3691% | 5,395 |
| Net loans and leases to deposits | 49.9825% | 5,599 |
| Net loans and leases to core deposits | 53.5482% | 5,530 |
| Total domestic deposits to total assets | 90.7700% | 655 |
| Equity capital to assets | 9.0220% | 5,098 |
| Core capital (leverage) ratio | 9.4767% | 4,317 |
| Tier 1 risk-based capital ratio | 15.1125% | 3,649 |
| Total risk-based capital ratio | 16.3647% | 3,601 |
| Memoranda: | ||
| Average total assets | $98,983,000 | 4,758 |
| Average earning assets | $89,627,000 | 4,782 |
| Average equity | $8,927,000 | 5,069 |
| Average total loans | $49,082,000 | 4,965 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 4,289 |
| Cost of funding earning assets | 0.5638% | 2,985 |
| Net interest margin | 3.3849% | 4,342 |
| Noninterest income to average assets | 0.4339% | 4,203 |
| Noninterest expense to average assets | 2.6462% | 4,293 |
| Loan and lease loss provision to assets | 0.0260% | 4,608 |
| Net operating income to assets | 0.7776% | 3,403 |
| Return on assets (ROA) | 0.7492% | 3,650 |
| Pretax return on assets | 0.7929% | 4,168 |
| Return on Equity (ROE) | 7.2991% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.2578% | 3,145 |
| Net charge-offs to loans | -0.0642% | 6,387 |
| Credit loss provision to net charge-offs | -83.3333% | 5,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3498% | 2,886 |
| Assets per employee ($millions) | 3.2459% | 5,399 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 2,705 |
| Loan loss allowance to noncurrent loans | 66.2848% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2982% | 2,821 |
| Noncurrent loans to loans | 2.4349% | 1,569 |
| Net loans and leases to total assets | 52.4556% | 4,796 |
| Net loans and leases to deposits | 57.7826% | 5,143 |
| Net loans and leases to core deposits | 62.3589% | 5,026 |
| Total domestic deposits to total assets | 90.7809% | 668 |
| Equity capital to assets | 9.0151% | 5,020 |
| Core capital (leverage) ratio | 9.4937% | 4,283 |
| Tier 1 risk-based capital ratio | 15.5368% | 3,350 |
| Total risk-based capital ratio | 16.7877% | 3,304 |
| Memoranda: | ||
| Average total assets | $96,098,400 | 4,836 |
| Average earning assets | $86,916,400 | 4,857 |
| Average equity | $9,864,200 | 4,885 |
| Average total loans | $46,721,600 | 5,082 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 4,520 |
| Cost of funding earning assets | 0.5721% | 3,072 |
| Net interest margin | 3.3228% | 4,557 |
| Noninterest income to average assets | 0.4307% | 4,292 |
| Noninterest expense to average assets | 2.5592% | 4,516 |
| Loan and lease loss provision to assets | 0.0759% | 3,537 |
| Net operating income to assets | 0.7613% | 3,551 |
| Return on assets (ROA) | 0.7233% | 3,864 |
| Pretax return on assets | 0.7620% | 4,446 |
| Return on Equity (ROE) | 6.8436% | 3,742 |
| Retained earnings to average equity (ytd only) | 5.5376% | 2,706 |
| Net charge-offs to loans | -0.0611% | 6,371 |
| Credit loss provision to net charge-offs | -261.9048% | 5,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0964% | 3,046 |
| Assets per employee ($millions) | 3.2103% | 5,473 |
| Cash dividends to net income (ytd only)* | 19.0839% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 2,726 |
| Loan loss allowance to noncurrent loans | 89.0675% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9688% | 3,726 |
| Noncurrent loans to loans | 1.8755% | 2,403 |
| Net loans and leases to total assets | 50.7917% | 5,032 |
| Net loans and leases to deposits | 56.2116% | 5,357 |
| Net loans and leases to core deposits | 60.5641% | 5,252 |
| Total domestic deposits to total assets | 90.3581% | 814 |
| Equity capital to assets | 9.4394% | 4,630 |
| Core capital (leverage) ratio | 9.9167% | 3,789 |
| Tier 1 risk-based capital ratio | 15.6165% | 3,393 |
| Total risk-based capital ratio | 16.8685% | 3,358 |
| Memoranda: | ||
| Average total assets | $96,590,250 | 4,866 |
| Average earning assets | $87,394,500 | 4,886 |
| Average equity | $10,208,750 | 4,845 |
| Average total loans | $45,855,250 | 5,168 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8275% | 4,739 |
| Cost of funding earning assets | 0.5857% | 3,078 |
| Net interest margin | 3.2418% | 4,797 |
| Noninterest income to average assets | 0.4179% | 4,391 |
| Noninterest expense to average assets | 2.6064% | 4,358 |
| Loan and lease loss provision to assets | 0.0827% | 3,413 |
| Net operating income to assets | 0.6156% | 4,215 |
| Return on assets (ROA) | 0.6040% | 4,440 |
| Pretax return on assets | 0.6475% | 4,851 |
| Return on Equity (ROE) | 5.5192% | 4,445 |
| Retained earnings to average equity (ytd only) | 3.6290% | 4,001 |
| Net charge-offs to loans | -0.0718% | 6,390 |
| Credit loss provision to net charge-offs | -250.0000% | 5,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4552% | 2,551 |
| Assets per employee ($millions) | 3.0280% | 5,803 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 2,542 |
| Loan loss allowance to noncurrent loans | 155.0669% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6232% | 4,673 |
| Noncurrent loans to loans | 1.1392% | 3,657 |
| Net loans and leases to total assets | 48.0456% | 5,326 |
| Net loans and leases to deposits | 54.4293% | 5,483 |
| Net loans and leases to core deposits | 58.8691% | 5,356 |
| Total domestic deposits to total assets | 88.2717% | 2,060 |
| Equity capital to assets | 9.9119% | 4,032 |
| Core capital (leverage) ratio | 9.2068% | 4,691 |
| Tier 1 risk-based capital ratio | 16.1662% | 3,107 |
| Total risk-based capital ratio | 17.4185% | 3,056 |
| Memoranda: | ||
| Average total assets | $96,684,000 | 4,896 |
| Average earning assets | $87,419,330 | 4,916 |
| Average equity | $10,581,330 | 4,812 |
| Average total loans | $44,557,670 | 5,242 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 5,285 |
| Cost of funding earning assets | 0.5701% | 3,382 |
| Net interest margin | 3.0900% | 5,299 |
| Noninterest income to average assets | 0.3752% | 4,662 |
| Noninterest expense to average assets | 2.6587% | 4,216 |
| Loan and lease loss provision to assets | 0.0612% | 3,617 |
| Net operating income to assets | 0.4159% | 5,067 |
| Return on assets (ROA) | 0.4159% | 5,216 |
| Pretax return on assets | 0.4404% | 5,436 |
| Return on Equity (ROE) | 3.6364% | 5,278 |
| Retained earnings to average equity (ytd only) | 3.6364% | 4,061 |
| Net charge-offs to loans | -0.0273% | 5,860 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7419% | 1,804 |
| Assets per employee ($millions) | 3.3998% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 2,547 |
| Loan loss allowance to noncurrent loans | 129.6980% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 4,535 |
| Noncurrent loans to loans | 1.4041% | 3,463 |
| Net loans and leases to total assets | 42.2693% | 5,825 |
| Net loans and leases to deposits | 47.7880% | 5,935 |
| Net loans and leases to core deposits | 51.4729% | 5,863 |
| Total domestic deposits to total assets | 88.4516% | 2,036 |
| Equity capital to assets | 11.3120% | 2,621 |
| Core capital (leverage) ratio | 9.5211% | 4,045 |
| Tier 1 risk-based capital ratio | 16.2058% | 3,155 |
| Total risk-based capital ratio | 17.4580% | 3,100 |
| Memoranda: | ||
| Average total assets | $98,092,500 | 4,905 |
| Average earning assets | $88,413,000 | 4,923 |
| Average equity | $11,220,000 | 4,733 |
| Average total loans | $43,881,500 | 5,304 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9087% | 5,549 |
| Cost of funding earning assets | 0.6390% | 4,014 |
| Net interest margin | 3.2696% | 5,361 |
| Noninterest income to average assets | 0.4360% | 4,353 |
| Noninterest expense to average assets | 2.5659% | 4,879 |
| Loan and lease loss provision to assets | 0.0939% | 4,500 |
| Net operating income to assets | 0.6811% | 3,828 |
| Return on assets (ROA) | 0.6811% | 4,096 |
| Pretax return on assets | 0.7114% | 4,633 |
| Return on Equity (ROE) | 5.8537% | 4,242 |
| Retained earnings to average equity (ytd only) | 3.1644% | 4,003 |
| Net charge-offs to loans | -0.0812% | 6,787 |
| Credit loss provision to net charge-offs | -264.7059% | 6,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7426% | 2,790 |
| Assets per employee ($millions) | 3.3652% | 5,301 |
| Cash dividends to net income (ytd only)* | 45.9418% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 3,058 |
| Loan loss allowance to noncurrent loans | 95.3283% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 4,274 |
| Noncurrent loans to loans | 1.7478% | 2,991 |
| Net loans and leases to total assets | 45.6599% | 5,651 |
| Net loans and leases to deposits | 54.5884% | 5,602 |
| Net loans and leases to core deposits | 59.0966% | 5,445 |
| Total domestic deposits to total assets | 83.6440% | 4,477 |
| Equity capital to assets | 11.5656% | 2,381 |
| Core capital (leverage) ratio | 9.3694% | 4,300 |
| Tier 1 risk-based capital ratio | 15.7352% | 3,301 |
| Total risk-based capital ratio | 16.9872% | 3,256 |
| Memoranda: | ||
| Average total assets | $95,871,000 | 4,941 |
| Average earning assets | $86,065,400 | 4,961 |
| Average equity | $11,155,400 | 4,730 |
| Average total loans | $41,884,400 | 5,424 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 5,802 |
| Cost of funding earning assets | 0.6458% | 4,231 |
| Net interest margin | 3.2476% | 5,554 |
| Noninterest income to average assets | 0.4401% | 4,367 |
| Noninterest expense to average assets | 2.4266% | 5,320 |
| Loan and lease loss provision to assets | 0.1257% | 3,980 |
| Net operating income to assets | 0.7683% | 3,607 |
| Return on assets (ROA) | 0.7683% | 3,864 |
| Pretax return on assets | 0.8103% | 4,444 |
| Return on Equity (ROE) | 6.5931% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.8959% | 4,146 |
| Net charge-offs to loans | -0.0585% | 6,748 |
| Credit loss provision to net charge-offs | -500.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7906% | 3,367 |
| Assets per employee ($millions) | 3.2859% | 5,467 |
| Cash dividends to net income (ytd only)* | 40.9085% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 3,017 |
| Loan loss allowance to noncurrent loans | 91.6873% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 4,357 |
| Noncurrent loans to loans | 1.8926% | 2,971 |
| Net loans and leases to total assets | 43.9145% | 5,976 |
| Net loans and leases to deposits | 50.0036% | 6,108 |
| Net loans and leases to core deposits | 54.0149% | 6,047 |
| Total domestic deposits to total assets | 87.8227% | 2,159 |
| Equity capital to assets | 11.9255% | 2,327 |
| Core capital (leverage) ratio | 9.8455% | 3,760 |
| Tier 1 risk-based capital ratio | 16.1488% | 3,192 |
| Total risk-based capital ratio | 17.3995% | 3,165 |
| Memoranda: | ||
| Average total assets | $95,441,000 | 5,004 |
| Average earning assets | $85,886,750 | 5,022 |
| Average equity | $11,122,500 | 4,780 |
| Average total loans | $41,026,750 | 5,519 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 5,921 |
| Cost of funding earning assets | 0.6576% | 4,380 |
| Net interest margin | 3.2414% | 5,616 |
| Noninterest income to average assets | 0.4231% | 4,475 |
| Noninterest expense to average assets | 2.4589% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8315% | 3,234 |
| Return on assets (ROA) | 0.8315% | 3,501 |
| Pretax return on assets | 0.8755% | 4,176 |
| Return on Equity (ROE) | 7.1907% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.4738% | 3,623 |
| Net charge-offs to loans | -0.0592% | 6,709 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3668% | 3,179 |
| Assets per employee ($millions) | 3.1221% | 5,795 |
| Cash dividends to net income (ytd only)* | 37.7834% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 3,741 |
| Loan loss allowance to noncurrent loans | 60.2624% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.1648% | 4,064 |
| Noncurrent loans to loans | 2.5891% | 2,319 |
| Net loans and leases to total assets | 43.3132% | 6,081 |
| Net loans and leases to deposits | 49.3612% | 6,213 |
| Net loans and leases to core deposits | 53.3958% | 6,134 |
| Total domestic deposits to total assets | 87.7474% | 2,310 |
| Equity capital to assets | 11.9739% | 2,170 |
| Core capital (leverage) ratio | 9.3700% | 4,344 |
| Tier 1 risk-based capital ratio | 16.4153% | 2,959 |
| Total risk-based capital ratio | 17.6412% | 2,931 |
| Memoranda: | ||
| Average total assets | $95,490,670 | 5,021 |
| Average earning assets | $85,764,330 | 5,054 |
| Average equity | $11,042,000 | 4,799 |
| Average total loans | $40,507,000 | 5,579 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 6,058 |
| Cost of funding earning assets | 0.6580% | 4,657 |
| Net interest margin | 3.2249% | 5,719 |
| Noninterest income to average assets | 0.4149% | 4,560 |
| Noninterest expense to average assets | 2.4439% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8174% | 3,310 |
| Return on assets (ROA) | 0.8174% | 3,539 |
| Pretax return on assets | 0.8589% | 4,196 |
| Return on Equity (ROE) | 7.1927% | 3,664 |
| Retained earnings to average equity (ytd only) | 4.4544% | 3,920 |
| Net charge-offs to loans | -0.0100% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6181% | 3,152 |
| Assets per employee ($millions) | 3.2620% | 5,635 |
| Cash dividends to net income (ytd only)* | 38.0711% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,675 |
| Loan loss allowance to noncurrent loans | 91.4616% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 5,088 |
| Noncurrent loans to loans | 1.7636% | 3,464 |
| Net loans and leases to total assets | 40.7510% | 6,289 |
| Net loans and leases to deposits | 46.2524% | 6,414 |
| Net loans and leases to core deposits | 49.9618% | 6,345 |
| Total domestic deposits to total assets | 88.1056% | 2,249 |
| Equity capital to assets | 11.6058% | 2,349 |
| Core capital (leverage) ratio | 9.6216% | 3,886 |
| Tier 1 risk-based capital ratio | 16.3574% | 2,983 |
| Total risk-based capital ratio | 17.5764% | 2,959 |
| Memoranda: | ||
| Average total assets | $96,405,000 | 5,030 |
| Average earning assets | $86,327,000 | 5,072 |
| Average equity | $10,955,500 | 4,830 |
| Average total loans | $40,155,000 | 5,635 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 5,434 |
| Cost of funding earning assets | 0.8286% | 4,643 |
| Net interest margin | 3.5690% | 4,849 |
| Noninterest income to average assets | 0.4684% | 4,070 |
| Noninterest expense to average assets | 2.5632% | 5,236 |
| Loan and lease loss provision to assets | 0.0226% | 6,297 |
| Net operating income to assets | 1.0282% | 2,094 |
| Return on assets (ROA) | 1.0282% | 2,242 |
| Pretax return on assets | 1.0768% | 2,921 |
| Return on Equity (ROE) | 8.7875% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.8937% | 2,082 |
| Net charge-offs to loans | 0.1347% | 5,068 |
| Credit loss provision to net charge-offs | 36.3636% | 5,691 |
| Earnings coverage of net charge-offs (x) | 17.7091% | 1,254 |
| Efficiency ratio | 69.6148% | 4,036 |
| Assets per employee ($millions) | 3.5075% | 4,993 |
| Cash dividends to net income (ytd only)* | 32.9308% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 3,862 |
| Loan loss allowance to noncurrent loans | 489.1473% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 6,554 |
| Noncurrent loans to loans | 0.3137% | 6,105 |
| Net loans and leases to total assets | 41.2347% | 6,447 |
| Net loans and leases to deposits | 46.5301% | 6,595 |
| Net loans and leases to core deposits | 49.5971% | 6,548 |
| Total domestic deposits to total assets | 88.6194% | 1,772 |
| Equity capital to assets | 11.1311% | 2,858 |
| Core capital (leverage) ratio | 9.2437% | 4,403 |
| Tier 1 risk-based capital ratio | 15.8249% | 3,147 |
| Total risk-based capital ratio | 17.0199% | 3,136 |
| Memoranda: | ||
| Average total assets | $88,598,600 | 5,220 |
| Average earning assets | $79,293,600 | 5,248 |
| Average equity | $10,367,000 | 4,933 |
| Average total loans | $40,832,200 | 5,653 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 5,321 |
| Cost of funding earning assets | 0.8538% | 4,745 |
| Net interest margin | 3.6238% | 4,680 |
| Noninterest income to average assets | 0.4857% | 3,992 |
| Noninterest expense to average assets | 2.5940% | 5,098 |
| Loan and lease loss provision to assets | 0.0928% | 5,304 |
| Net operating income to assets | 0.9915% | 2,362 |
| Return on assets (ROA) | 0.9915% | 2,508 |
| Pretax return on assets | 1.0488% | 3,216 |
| Return on Equity (ROE) | 8.3578% | 2,893 |
| Retained earnings to average equity (ytd only) | 4.4462% | 3,560 |
| Net charge-offs to loans | -0.2322% | 7,277 |
| Credit loss provision to net charge-offs | -84.5070% | 6,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0683% | 4,113 |
| Assets per employee ($millions) | 3.1885% | 5,708 |
| Cash dividends to net income (ytd only)* | 46.8016% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,584 |
| Loan loss allowance to noncurrent loans | 345.0216% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 6,344 |
| Noncurrent loans to loans | 0.5538% | 5,759 |
| Net loans and leases to total assets | 45.8305% | 6,162 |
| Net loans and leases to deposits | 52.1794% | 6,348 |
| Net loans and leases to core deposits | 56.2124% | 6,297 |
| Total domestic deposits to total assets | 87.8325% | 2,146 |
| Equity capital to assets | 11.8830% | 2,346 |
| Core capital (leverage) ratio | 9.6216% | 3,964 |
| Tier 1 risk-based capital ratio | 15.5035% | 3,384 |
| Total risk-based capital ratio | 16.7578% | 3,351 |
| Memoranda: | ||
| Average total assets | $86,195,500 | 5,324 |
| Average earning assets | $77,301,250 | 5,347 |
| Average equity | $10,225,750 | 4,986 |
| Average total loans | $40,758,250 | 5,712 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 5,579 |
| Cost of funding earning assets | 0.8720% | 4,887 |
| Net interest margin | 3.5613% | 4,876 |
| Noninterest income to average assets | 0.4814% | 4,011 |
| Noninterest expense to average assets | 2.5949% | 5,211 |
| Loan and lease loss provision to assets | 0.0587% | 5,579 |
| Net operating income to assets | 0.9675% | 2,362 |
| Return on assets (ROA) | 0.9675% | 2,462 |
| Pretax return on assets | 1.0215% | 3,155 |
| Return on Equity (ROE) | 8.1600% | 2,875 |
| Retained earnings to average equity (ytd only) | 5.1891% | 2,882 |
| Net charge-offs to loans | -0.2275% | 7,312 |
| Credit loss provision to net charge-offs | -54.3478% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2236% | 4,070 |
| Assets per employee ($millions) | 3.0823% | 5,913 |
| Cash dividends to net income (ytd only)* | 36.4078% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 2,873 |
| Loan loss allowance to noncurrent loans | 258.5965% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 6,020 |
| Noncurrent loans to loans | 0.7094% | 5,489 |
| Net loans and leases to total assets | 45.6938% | 6,302 |
| Net loans and leases to deposits | 52.1923% | 6,460 |
| Net loans and leases to core deposits | 56.5780% | 6,373 |
| Total domestic deposits to total assets | 87.5488% | 2,440 |
| Equity capital to assets | 12.1314% | 2,010 |
| Core capital (leverage) ratio | 9.5361% | 3,898 |
| Tier 1 risk-based capital ratio | 15.8252% | 3,066 |
| Total risk-based capital ratio | 17.0770% | 3,042 |
| Memoranda: | ||
| Average total assets | $85,167,670 | 5,389 |
| Average earning assets | $76,376,000 | 5,420 |
| Average equity | $10,098,000 | 5,026 |
| Average total loans | $40,439,670 | 5,782 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3700% | 5,788 |
| Cost of funding earning assets | 0.8867% | 5,019 |
| Net interest margin | 3.4833% | 5,084 |
| Noninterest income to average assets | 0.4870% | 3,995 |
| Noninterest expense to average assets | 2.6572% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9125% | 2,506 |
| Return on assets (ROA) | 0.9125% | 2,563 |
| Pretax return on assets | 0.9504% | 3,318 |
| Return on Equity (ROE) | 7.7885% | 3,011 |
| Retained earnings to average equity (ytd only) | 1.7353% | 5,081 |
| Net charge-offs to loans | 0.0887% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,055 |
| Efficiency ratio | 73.2634% | 3,641 |
| Assets per employee ($millions) | 2.8931% | 6,369 |
| Cash dividends to net income (ytd only)* | 77.7202% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 3,432 |
| Loan loss allowance to noncurrent loans | 76.3953% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 4,641 |
| Noncurrent loans to loans | 2.1908% | 3,330 |
| Net loans and leases to total assets | 46.0042% | 6,287 |
| Net loans and leases to deposits | 52.4045% | 6,445 |
| Net loans and leases to core deposits | 56.9258% | 6,347 |
| Total domestic deposits to total assets | 87.7868% | 2,494 |
| Equity capital to assets | 11.9033% | 1,981 |
| Core capital (leverage) ratio | 9.6871% | 3,544 |
| Tier 1 risk-based capital ratio | 16.0145% | 2,894 |
| Total risk-based capital ratio | 17.2660% | 2,868 |
| Memoranda: | ||
| Average total assets | $84,599,000 | 5,450 |
| Average earning assets | $75,790,000 | 5,484 |
| Average equity | $9,912,000 | 5,067 |
| Average total loans | $40,573,000 | 5,823 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 4,780 |
| Cost of funding earning assets | 1.1131% | 5,066 |
| Net interest margin | 3.8374% | 3,789 |
| Noninterest income to average assets | 0.5516% | 3,808 |
| Noninterest expense to average assets | 2.7852% | 4,663 |
| Loan and lease loss provision to assets | 0.0906% | 6,234 |
| Net operating income to assets | 1.0216% | 1,961 |
| Return on assets (ROA) | 1.0216% | 2,072 |
| Pretax return on assets | 1.0773% | 2,668 |
| Return on Equity (ROE) | 8.1505% | 2,642 |
| Retained earnings to average equity (ytd only) | 5.0514% | 2,380 |
| Net charge-offs to loans | 0.0408% | 6,399 |
| Credit loss provision to net charge-offs | 437.5000% | 531 |
| Earnings coverage of net charge-offs (x) | 56.3750% | 419 |
| Efficiency ratio | 70.0622% | 4,170 |
| Assets per employee ($millions) | 3.0463% | 6,003 |
| Cash dividends to net income (ytd only)* | 38.0228% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,613 |
| Loan loss allowance to noncurrent loans | 356.1497% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3400% | 6,407 |
| Noncurrent loans to loans | 0.4464% | 6,149 |
| Net loans and leases to total assets | 48.3311% | 6,357 |
| Net loans and leases to deposits | 54.8023% | 6,538 |
| Net loans and leases to core deposits | 59.4191% | 6,441 |
| Total domestic deposits to total assets | 88.1918% | 2,125 |
| Equity capital to assets | 11.5326% | 2,236 |
| Core capital (leverage) ratio | 9.7490% | 3,379 |
| Tier 1 risk-based capital ratio | 15.0564% | 3,209 |
| Total risk-based capital ratio | 16.3062% | 3,162 |
| Memoranda: | ||
| Average total assets | $77,229,400 | 5,672 |
| Average earning assets | $68,458,000 | 5,719 |
| Average equity | $9,680,400 | 5,216 |
| Average total loans | $39,192,200 | 5,954 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 4,353 |
| Cost of funding earning assets | 1.1672% | 5,048 |
| Net interest margin | 3.9269% | 3,419 |
| Noninterest income to average assets | 0.5690% | 3,657 |
| Noninterest expense to average assets | 2.7353% | 4,745 |
| Loan and lease loss provision to assets | 0.1241% | 5,788 |
| Net operating income to assets | 1.1186% | 1,831 |
| Return on assets (ROA) | 1.1186% | 1,938 |
| Pretax return on assets | 1.1806% | 2,560 |
| Return on Equity (ROE) | 8.7262% | 2,592 |
| Retained earnings to average equity (ytd only) | 4.5774% | 3,287 |
| Net charge-offs to loans | 0.0312% | 6,248 |
| Credit loss provision to net charge-offs | 777.7778% | 382 |
| Earnings coverage of net charge-offs (x) | 81.7758% | 377 |
| Efficiency ratio | 67.3102% | 4,606 |
| Assets per employee ($millions) | 2.7239% | 6,737 |
| Cash dividends to net income (ytd only)* | 47.5437% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,262 |
| Loan loss allowance to noncurrent loans | 152.2624% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,905 |
| Noncurrent loans to loans | 1.0956% | 5,050 |
| Net loans and leases to total assets | 52.0133% | 6,101 |
| Net loans and leases to deposits | 60.2521% | 6,292 |
| Net loans and leases to core deposits | 65.4631% | 6,162 |
| Total domestic deposits to total assets | 86.3260% | 2,898 |
| Equity capital to assets | 13.3304% | 1,433 |
| Core capital (leverage) ratio | 10.1420% | 3,109 |
| Tier 1 risk-based capital ratio | 15.8474% | 2,840 |
| Total risk-based capital ratio | 17.0988% | 2,786 |
| Memoranda: | ||
| Average total assets | $75,212,500 | 5,798 |
| Average earning assets | $66,480,000 | 5,847 |
| Average equity | $9,641,250 | 5,306 |
| Average total loans | $38,517,500 | 6,070 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 4,607 |
| Cost of funding earning assets | 1.2010% | 5,130 |
| Net interest margin | 3.8692% | 3,593 |
| Noninterest income to average assets | 0.5156% | 3,988 |
| Noninterest expense to average assets | 2.7919% | 4,520 |
| Loan and lease loss provision to assets | 0.0801% | 6,135 |
| Net operating income to assets | 1.0019% | 2,195 |
| Return on assets (ROA) | 1.0019% | 2,273 |
| Pretax return on assets | 1.0606% | 2,899 |
| Return on Equity (ROE) | 7.9231% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.9231% | 1,468 |
| Net charge-offs to loans | -0.1161% | 7,576 |
| Credit loss provision to net charge-offs | -136.3636% | 6,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5842% | 4,063 |
| Assets per employee ($millions) | 2.6198% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 3,047 |
| Loan loss allowance to noncurrent loans | 59.3918% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.5045% | 4,198 |
| Noncurrent loans to loans | 2.8729% | 2,781 |
| Net loans and leases to total assets | 50.3482% | 6,392 |
| Net loans and leases to deposits | 58.1862% | 6,562 |
| Net loans and leases to core deposits | 62.6511% | 6,500 |
| Total domestic deposits to total assets | 86.5294% | 2,800 |
| Equity capital to assets | 13.1270% | 1,513 |
| Core capital (leverage) ratio | 10.1416% | 3,006 |
| Tier 1 risk-based capital ratio | 15.7805% | 2,764 |
| Total risk-based capital ratio | 17.0325% | 2,730 |
| Memoranda: | ||
| Average total assets | $74,860,330 | 5,841 |
| Average earning assets | $66,111,330 | 5,898 |
| Average equity | $9,466,000 | 5,349 |
| Average total loans | $37,909,000 | 6,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 4,580 |
| Cost of funding earning assets | 1.2219% | 5,271 |
| Net interest margin | 3.8674% | 3,473 |
| Noninterest income to average assets | 0.5168% | 3,922 |
| Noninterest expense to average assets | 2.9877% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8882% | 2,600 |
| Return on assets (ROA) | 0.8882% | 2,667 |
| Pretax return on assets | 0.9367% | 3,320 |
| Return on Equity (ROE) | 7.1642% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.1642% | 2,065 |
| Net charge-offs to loans | -0.2139% | 7,687 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7202% | 3,268 |
| Assets per employee ($millions) | 2.7394% | 6,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 2,941 |
| Loan loss allowance to noncurrent loans | 126.6533% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7085% | 5,751 |
| Noncurrent loans to loans | 1.3705% | 4,685 |
| Net loans and leases to total assets | 48.3722% | 6,633 |
| Net loans and leases to deposits | 55.6579% | 6,799 |
| Net loans and leases to core deposits | 61.0525% | 6,668 |
| Total domestic deposits to total assets | 86.9098% | 2,676 |
| Equity capital to assets | 12.7521% | 1,625 |
| Core capital (leverage) ratio | 10.3025% | 2,807 |
| Tier 1 risk-based capital ratio | 16.2580% | 2,537 |
| Total risk-based capital ratio | 17.5103% | 2,497 |
| Memoranda: | ||
| Average total assets | $74,304,000 | 5,928 |
| Average earning assets | $65,471,000 | 5,981 |
| Average equity | $9,212,500 | 5,477 |
| Average total loans | $37,406,000 | 6,239 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 3,519 |
| Cost of funding earning assets | 1.5433% | 5,321 |
| Net interest margin | 4.0730% | 2,555 |
| Noninterest income to average assets | 0.5764% | 3,806 |
| Noninterest expense to average assets | 3.1009% | 3,741 |
| Loan and lease loss provision to assets | 0.0777% | 6,820 |
| Net operating income to assets | 0.9253% | 2,093 |
| Return on assets (ROA) | 0.9253% | 2,156 |
| Pretax return on assets | 0.9733% | 2,677 |
| Return on Equity (ROE) | 7.2961% | 2,664 |
| Retained earnings to average equity (ytd only) | 4.5113% | 2,096 |
| Net charge-offs to loans | 0.2057% | 5,346 |
| Credit loss provision to net charge-offs | 71.4286% | 6,464 |
| Earnings coverage of net charge-offs (x) | 9.6623% | 1,768 |
| Efficiency ratio | 74.2770% | 3,839 |
| Assets per employee ($millions) | 2.7646% | 6,724 |
| Cash dividends to net income (ytd only)* | 38.1679% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 3,303 |
| Loan loss allowance to noncurrent loans | 94.7368% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 5,379 |
| Noncurrent loans to loans | 1.6822% | 4,127 |
| Net loans and leases to total assets | 50.6270% | 6,564 |
| Net loans and leases to deposits | 57.7891% | 6,795 |
| Net loans and leases to core deposits | 64.6093% | 7,053 |
| Total domestic deposits to total assets | 87.6065% | 2,170 |
| Equity capital to assets | 12.0479% | 2,006 |
| Core capital (leverage) ratio | 10.1430% | 2,957 |
| Tier 1 risk-based capital ratio | 15.4869% | 2,722 |
| Total risk-based capital ratio | 16.7373% | 2,675 |
| Memoranda: | ||
| Average total assets | $70,786,600 | 5,979 |
| Average earning assets | $62,140,600 | 6,057 |
| Average equity | $8,977,400 | 5,614 |
| Average total loans | $37,429,400 | 6,231 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6629% | 3,511 |
| Cost of funding earning assets | 1.5887% | 5,456 |
| Net interest margin | 4.0741% | 2,500 |
| Noninterest income to average assets | 0.5824% | 3,837 |
| Noninterest expense to average assets | 3.0343% | 3,905 |
| Loan and lease loss provision to assets | 0.0286% | 7,061 |
| Net operating income to assets | 1.0445% | 1,920 |
| Return on assets (ROA) | 1.0445% | 1,980 |
| Pretax return on assets | 1.0942% | 2,596 |
| Return on Equity (ROE) | 8.1275% | 2,587 |
| Retained earnings to average equity (ytd only) | 4.4129% | 2,804 |
| Net charge-offs to loans | 0.2725% | 4,338 |
| Credit loss provision to net charge-offs | 19.7368% | 6,577 |
| Earnings coverage of net charge-offs (x) | 7.7369% | 2,356 |
| Efficiency ratio | 72.5769% | 4,131 |
| Assets per employee ($millions) | 2.5824% | 7,086 |
| Cash dividends to net income (ytd only)* | 45.7042% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,266 |
| Loan loss allowance to noncurrent loans | 67.0574% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 4,792 |
| Noncurrent loans to loans | 2.2848% | 3,281 |
| Net loans and leases to total assets | 49.0873% | 6,858 |
| Net loans and leases to deposits | 61.2306% | 6,735 |
| Net loans and leases to core deposits | 68.4958% | 7,049 |
| Total domestic deposits to total assets | 80.1680% | 5,379 |
| Equity capital to assets | 12.3703% | 2,021 |
| Core capital (leverage) ratio | 9.9969% | 3,288 |
| Tier 1 risk-based capital ratio | 15.6118% | 2,767 |
| Total risk-based capital ratio | 16.8614% | 2,707 |
| Memoranda: | ||
| Average total assets | $69,822,250 | 6,046 |
| Average earning assets | $61,263,000 | 6,133 |
| Average equity | $8,973,500 | 5,668 |
| Average total loans | $37,186,250 | 6,282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 3,890 |
| Cost of funding earning assets | 1.6313% | 5,603 |
| Net interest margin | 4.0031% | 2,691 |
| Noninterest income to average assets | 0.5695% | 3,899 |
| Noninterest expense to average assets | 3.0264% | 3,979 |
| Loan and lease loss provision to assets | 0.1614% | 5,452 |
| Net operating income to assets | 0.8513% | 2,647 |
| Return on assets (ROA) | 0.8513% | 2,748 |
| Pretax return on assets | 0.9041% | 3,321 |
| Return on Equity (ROE) | 6.5340% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.5340% | 1,780 |
| Net charge-offs to loans | 0.2962% | 3,705 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,591 |
| Efficiency ratio | 73.5294% | 4,108 |
| Assets per employee ($millions) | 2.4170% | 7,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6963% | 2,367 |
| Loan loss allowance to noncurrent loans | 81.3864% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 4,670 |
| Noncurrent loans to loans | 2.0842% | 3,406 |
| Net loans and leases to total assets | 52.4182% | 6,630 |
| Net loans and leases to deposits | 60.3257% | 6,861 |
| Net loans and leases to core deposits | 67.7397% | 7,131 |
| Total domestic deposits to total assets | 86.8919% | 2,310 |
| Equity capital to assets | 12.6730% | 1,847 |
| Core capital (leverage) ratio | 10.5907% | 2,737 |
| Tier 1 risk-based capital ratio | 15.6531% | 2,748 |
| Total risk-based capital ratio | 16.9055% | 2,680 |
| Memoranda: | ||
| Average total assets | $68,133,330 | 6,149 |
| Average earning assets | $59,953,330 | 6,224 |
| Average equity | $8,876,670 | 5,729 |
| Average total loans | $37,137,330 | 6,336 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7136% | 3,730 |
| Cost of funding earning assets | 1.6781% | 5,703 |
| Net interest margin | 4.0355% | 2,505 |
| Noninterest income to average assets | 0.5480% | 3,939 |
| Noninterest expense to average assets | 3.0259% | 3,653 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0067% | 2,280 |
| Return on assets (ROA) | 1.0067% | 2,423 |
| Pretax return on assets | 1.0603% | 3,145 |
| Return on Equity (ROE) | 7.6182% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.6182% | 1,969 |
| Net charge-offs to loans | -0.0540% | 7,715 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6152% | 3,893 |
| Assets per employee ($millions) | 2.2591% | 7,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 1,962 |
| Loan loss allowance to noncurrent loans | 261.8852% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 6,166 |
| Noncurrent loans to loans | 0.6720% | 5,728 |
| Net loans and leases to total assets | 54.4487% | 6,419 |
| Net loans and leases to deposits | 63.3071% | 6,625 |
| Net loans and leases to core deposits | 68.4165% | 7,114 |
| Total domestic deposits to total assets | 86.0074% | 2,719 |
| Equity capital to assets | 13.5530% | 1,516 |
| Core capital (leverage) ratio | 10.9036% | 2,580 |
| Tier 1 risk-based capital ratio | 15.8887% | 2,728 |
| Total risk-based capital ratio | 17.1415% | 2,669 |
| Memoranda: | ||
| Average total assets | $67,153,000 | 6,208 |
| Average earning assets | $58,877,000 | 6,306 |
| Average equity | $8,873,500 | 5,746 |
| Average total loans | $37,018,000 | 6,380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2046% | 4,492 |
| Cost of funding earning assets | 2.1896% | 5,642 |
| Net interest margin | 4.0149% | 3,051 |
| Noninterest income to average assets | 0.5884% | 3,935 |
| Noninterest expense to average assets | 3.1314% | 3,579 |
| Loan and lease loss provision to assets | -0.0776% | 8,246 |
| Net operating income to assets | 0.9765% | 2,655 |
| Return on assets (ROA) | 0.9765% | 2,534 |
| Pretax return on assets | 1.0246% | 3,291 |
| Return on Equity (ROE) | 7.2995% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.3983% | 2,385 |
| Net charge-offs to loans | -0.0102% | 7,854 |
| Credit loss provision to net charge-offs | 1,250.0000% | 363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3228% | 3,182 |
| Assets per employee ($millions) | 2.3722% | 7,446 |
| Cash dividends to net income (ytd only)* | 39.7456% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 1,962 |
| Loan loss allowance to noncurrent loans | 398.7421% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 6,404 |
| Noncurrent loans to loans | 0.4215% | 6,080 |
| Net loans and leases to total assets | 53.9183% | 6,664 |
| Net loans and leases to deposits | 62.1702% | 6,932 |
| Net loans and leases to core deposits | 67.5715% | 7,306 |
| Total domestic deposits to total assets | 86.7268% | 2,079 |
| Equity capital to assets | 12.8908% | 1,831 |
| Core capital (leverage) ratio | 10.7530% | 2,777 |
| Tier 1 risk-based capital ratio | 15.2408% | 2,939 |
| Total risk-based capital ratio | 16.4930% | 2,870 |
| Memoranda: | ||
| Average total assets | $64,412,600 | 6,213 |
| Average earning assets | $55,990,800 | 6,336 |
| Average equity | $8,617,000 | 5,868 |
| Average total loans | $39,157,400 | 6,214 |