Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 1,275 |
| Cost of funding earning assets | 1.5003% | 1,939 |
| Net interest margin | 3.9206% | 1,337 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.1101% | 3,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6512% | 793 |
| Return on assets (ROA) | 1.4480% | 1,089 |
| Pretax return on assets | 1.9467% | 724 |
| Return on Equity (ROE) | 14.4200% | 1,397 |
| Retained earnings to average equity (ytd only) | 8.4069% | 1,421 |
| Net charge-offs to loans | -0.0008% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.2866% | 4,128 |
| Assets per employee ($millions) | 8.1544% | 1,357 |
| Cash dividends to net income (ytd only)* | 41.6842% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 2,819 |
| Loan loss allowance to noncurrent loans | 9,592.8571% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,724 |
| Noncurrent loans to loans | 0.0115% | 3,675 |
| Net loans and leases to total assets | 73.8100% | 1,387 |
| Net loans and leases to deposits | 87.4650% | 1,486 |
| Net loans and leases to core deposits | 95.6761% | 1,670 |
| Total domestic deposits to total assets | 84.3900% | 2,505 |
| Equity capital to assets | 10.7948% | 1,587 |
| Core capital (leverage) ratio | 10.6944% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $164,023,400 | 3,241 |
| Average earning assets | $150,232,600 | 3,248 |
| Average equity | $16,474,600 | 3,141 |
| Average total loans | $119,207,400 | 2,964 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 1,344 |
| Cost of funding earning assets | 1.5088% | 1,576 |
| Net interest margin | 3.7494% | 1,689 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.0861% | 3,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5479% | 1,027 |
| Return on assets (ROA) | 1.5479% | 1,020 |
| Pretax return on assets | 2.0902% | 667 |
| Return on Equity (ROE) | 15.7000% | 1,305 |
| Retained earnings to average equity (ytd only) | 7.5426% | 2,128 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.2799% | 4,028 |
| Assets per employee ($millions) | 7.6800% | 1,515 |
| Cash dividends to net income (ytd only)* | 51.9664% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,481 |
| Loan loss allowance to noncurrent loans | 8,687.5000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,757 |
| Noncurrent loans to loans | 0.0136% | 3,698 |
| Net loans and leases to total assets | 72.2900% | 1,541 |
| Net loans and leases to deposits | 85.3659% | 1,624 |
| Net loans and leases to core deposits | 95.4527% | 1,587 |
| Total domestic deposits to total assets | 84.6800% | 2,604 |
| Equity capital to assets | 10.3522% | 1,615 |
| Core capital (leverage) ratio | 10.4549% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $164,257,250 | 3,245 |
| Average earning assets | $150,314,750 | 3,259 |
| Average equity | $16,192,000 | 3,149 |
| Average total loans | $118,580,500 | 2,973 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 1,350 |
| Cost of funding earning assets | 1.5000% | 1,242 |
| Net interest margin | 3.6104% | 2,014 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.0418% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4693% | 1,170 |
| Return on assets (ROA) | 1.4693% | 1,154 |
| Pretax return on assets | 2.0042% | 741 |
| Return on Equity (ROE) | 15.1500% | 1,444 |
| Retained earnings to average equity (ytd only) | 8.9116% | 1,710 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.7885% | 4,012 |
| Assets per employee ($millions) | 7.3698% | 1,690 |
| Cash dividends to net income (ytd only)* | 41.1862% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,575 |
| Loan loss allowance to noncurrent loans | 7,722.2222% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 3,737 |
| Noncurrent loans to loans | 0.0152% | 3,664 |
| Net loans and leases to total assets | 72.2500% | 1,500 |
| Net loans and leases to deposits | 85.0560% | 1,581 |
| Net loans and leases to core deposits | 96.1436% | 1,459 |
| Total domestic deposits to total assets | 84.9500% | 2,551 |
| Equity capital to assets | 10.1680% | 1,764 |
| Core capital (leverage) ratio | 10.4195% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $165,249,667 | 3,245 |
| Average earning assets | $150,398,333 | 3,267 |
| Average equity | $16,024,000 | 3,186 |
| Average total loans | $118,782,333 | 2,966 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 1,327 |
| Cost of funding earning assets | 1.4671% | 904 |
| Net interest margin | 3.4831% | 2,412 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 2.0503% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4196% | 1,353 |
| Return on assets (ROA) | 1.4196% | 1,328 |
| Pretax return on assets | 1.9759% | 814 |
| Return on Equity (ROE) | 14.9900% | 1,550 |
| Retained earnings to average equity (ytd only) | 2.3301% | 3,646 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.3151% | 3,993 |
| Assets per employee ($millions) | 7.6692% | 1,521 |
| Cash dividends to net income (ytd only)* | 84.4595% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,617 |
| Loan loss allowance to noncurrent loans | 6,950.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,741 |
| Noncurrent loans to loans | 0.0171% | 3,673 |
| Net loans and leases to total assets | 68.5000% | 1,783 |
| Net loans and leases to deposits | 85.1943% | 1,416 |
| Net loans and leases to core deposits | 95.4362% | 1,314 |
| Total domestic deposits to total assets | 80.4100% | 3,716 |
| Equity capital to assets | 9.4184% | 2,215 |
| Core capital (leverage) ratio | 9.5052% | 3,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $166,806,500 | 3,282 |
| Average earning assets | $151,588,500 | 3,304 |
| Average equity | $15,793,000 | 3,231 |
| Average total loans | $118,903,000 | 2,991 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 1,521 |
| Cost of funding earning assets | 0.3998% | 2,104 |
| Net interest margin | 3.6793% | 1,426 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.2834% | 2,794 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.3572% | 1,255 |
| Return on assets (ROA) | 1.3572% | 1,213 |
| Pretax return on assets | 1.7709% | 784 |
| Return on Equity (ROE) | 13.7600% | 1,583 |
| Retained earnings to average equity (ytd only) | 6.4437% | 2,470 |
| Net charge-offs to loans | 0.0216% | 1,636 |
| Credit loss provision to net charge-offs | 620.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 115.9600% | 900 |
| Efficiency ratio | 52.1206% | 3,968 |
| Assets per employee ($millions) | 7.4950% | 1,619 |
| Cash dividends to net income (ytd only)* | 53.1621% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 2,642 |
| Loan loss allowance to noncurrent loans | 6,318.1818% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,739 |
| Noncurrent loans to loans | 0.0182% | 3,700 |
| Net loans and leases to total assets | 72.4400% | 1,365 |
| Net loans and leases to deposits | 89.4634% | 1,091 |
| Net loans and leases to core deposits | 102.9227% | 855 |
| Total domestic deposits to total assets | 80.9700% | 3,761 |
| Equity capital to assets | 9.5185% | 1,991 |
| Core capital (leverage) ratio | 10.3548% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $154,947,200 | 3,393 |
| Average earning assets | $142,064,800 | 3,399 |
| Average equity | $15,286,200 | 3,346 |
| Average total loans | $115,508,200 | 2,970 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 1,354 |
| Cost of funding earning assets | 0.2615% | 2,586 |
| Net interest margin | 3.6927% | 1,155 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.2851% | 2,672 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.3756% | 1,154 |
| Return on assets (ROA) | 1.3756% | 1,126 |
| Pretax return on assets | 1.7884% | 751 |
| Return on Equity (ROE) | 13.8100% | 1,481 |
| Retained earnings to average equity (ytd only) | 3.9953% | 3,446 |
| Net charge-offs to loans | 0.0304% | 1,231 |
| Credit loss provision to net charge-offs | 442.3077% | 664 |
| Earnings coverage of net charge-offs (x) | 83.0769% | 1,025 |
| Efficiency ratio | 52.0427% | 4,002 |
| Assets per employee ($millions) | 6.6078% | 2,237 |
| Cash dividends to net income (ytd only)* | 71.0744% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 2,811 |
| Loan loss allowance to noncurrent loans | 5,625.0000% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,816 |
| Noncurrent loans to loans | 0.0204% | 3,767 |
| Net loans and leases to total assets | 73.4100% | 1,144 |
| Net loans and leases to deposits | 90.9905% | 827 |
| Net loans and leases to core deposits | 98.5759% | 878 |
| Total domestic deposits to total assets | 80.6800% | 4,031 |
| Equity capital to assets | 9.5083% | 1,877 |
| Core capital (leverage) ratio | 10.1343% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $152,461,500 | 3,446 |
| Average earning assets | $140,706,000 | 3,439 |
| Average equity | $15,184,000 | 3,392 |
| Average total loans | $114,175,750 | 2,994 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 1,169 |
| Cost of funding earning assets | 0.1813% | 3,164 |
| Net interest margin | 3.6900% | 925 |
| Noninterest income to average assets | 0.7712% | 1,121 |
| Noninterest expense to average assets | 2.2723% | 2,628 |
| Loan and lease loss provision to assets | 0.1130% | 890 |
| Net operating income to assets | 1.3961% | 915 |
| Return on assets (ROA) | 1.3961% | 892 |
| Pretax return on assets | 1.7963% | 604 |
| Return on Equity (ROE) | 13.7952% | 1,165 |
| Retained earnings to average equity (ytd only) | 8.9340% | 1,309 |
| Net charge-offs to loans | 0.0018% | 2,049 |
| Credit loss provision to net charge-offs | 8,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,436.0000% | 83 |
| Efficiency ratio | 51.7647% | 4,145 |
| Assets per employee ($millions) | 6.0957% | 2,657 |
| Cash dividends to net income (ytd only)* | 35.2381% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 2,954 |
| Loan loss allowance to noncurrent loans | 668.6567% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,787 |
| Noncurrent loans to loans | 0.1712% | 2,838 |
| Net loans and leases to total assets | 76.1464% | 716 |
| Net loans and leases to deposits | 92.1758% | 602 |
| Net loans and leases to core deposits | 100.2289% | 662 |
| Total domestic deposits to total assets | 82.6100% | 3,929 |
| Equity capital to assets | 10.1331% | 1,637 |
| Core capital (leverage) ratio | 10.4129% | 2,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,417,667 | 3,494 |
| Average earning assets | $139,024,667 | 3,502 |
| Average equity | $15,222,667 | 3,471 |
| Average total loans | $112,975,667 | 3,031 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 1,196 |
| Cost of funding earning assets | 0.1623% | 3,335 |
| Net interest margin | 3.5772% | 934 |
| Noninterest income to average assets | 0.6478% | 1,500 |
| Noninterest expense to average assets | 2.2592% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3438% | 914 |
| Return on assets (ROA) | 1.3438% | 900 |
| Pretax return on assets | 1.6918% | 694 |
| Return on Equity (ROE) | 13.2866% | 981 |
| Retained earnings to average equity (ytd only) | 3.4937% | 3,121 |
| Net charge-offs to loans | 0.0072% | 1,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 305 |
| Efficiency ratio | 54.4038% | 4,029 |
| Assets per employee ($millions) | 6.7909% | 2,155 |
| Cash dividends to net income (ytd only)* | 73.7052% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,292 |
| Loan loss allowance to noncurrent loans | 535.3191% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 2,697 |
| Noncurrent loans to loans | 0.2072% | 2,787 |
| Net loans and leases to total assets | 75.0589% | 577 |
| Net loans and leases to deposits | 89.4706% | 539 |
| Net loans and leases to core deposits | 90.9953% | 877 |
| Total domestic deposits to total assets | 83.8922% | 3,792 |
| Equity capital to assets | 10.0475% | 1,855 |
| Core capital (leverage) ratio | 10.2098% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,430,500 | 3,521 |
| Average earning assets | $137,986,000 | 3,523 |
| Average equity | $15,113,000 | 3,554 |
| Average total loans | $110,771,000 | 3,052 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2010% | 990 |
| Cost of funding earning assets | 0.1980% | 3,487 |
| Net interest margin | 4.0029% | 709 |
| Noninterest income to average assets | 1.2349% | 699 |
| Noninterest expense to average assets | 2.3878% | 2,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8955% | 414 |
| Return on assets (ROA) | 1.8955% | 439 |
| Pretax return on assets | 2.5330% | 246 |
| Return on Equity (ROE) | 18.9975% | 381 |
| Retained earnings to average equity (ytd only) | 13.5506% | 347 |
| Net charge-offs to loans | -0.0057% | 3,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5062% | 4,555 |
| Assets per employee ($millions) | 6.2275% | 2,550 |
| Cash dividends to net income (ytd only)* | 28.6718% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 3,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 71.5143% | 878 |
| Net loans and leases to deposits | 86.7800% | 730 |
| Net loans and leases to core deposits | 88.5536% | 1,041 |
| Total domestic deposits to total assets | 82.4088% | 3,904 |
| Equity capital to assets | 10.1799% | 2,491 |
| Core capital (leverage) ratio | 10.2315% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,599,800 | 3,559 |
| Average earning assets | $131,303,400 | 3,555 |
| Average equity | $14,228,200 | 3,714 |
| Average total loans | $106,072,400 | 3,123 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 927 |
| Cost of funding earning assets | 0.2039% | 3,568 |
| Net interest margin | 4.1148% | 635 |
| Noninterest income to average assets | 1.1792% | 824 |
| Noninterest expense to average assets | 2.3820% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9325% | 526 |
| Return on assets (ROA) | 1.9325% | 546 |
| Pretax return on assets | 2.5789% | 290 |
| Return on Equity (ROE) | 19.4729% | 467 |
| Retained earnings to average equity (ytd only) | 12.8452% | 662 |
| Net charge-offs to loans | -0.0051% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1053% | 4,581 |
| Assets per employee ($millions) | 5.8070% | 2,882 |
| Cash dividends to net income (ytd only)* | 34.0353% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 3,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 76.1070% | 543 |
| Net loans and leases to deposits | 89.9842% | 608 |
| Net loans and leases to core deposits | 91.8958% | 929 |
| Total domestic deposits to total assets | 84.5781% | 3,272 |
| Equity capital to assets | 10.5276% | 2,437 |
| Core capital (leverage) ratio | 10.5093% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,884,500 | 3,621 |
| Average earning assets | $129,481,750 | 3,620 |
| Average equity | $13,981,500 | 3,792 |
| Average total loans | $105,554,000 | 3,172 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 1,020 |
| Cost of funding earning assets | 0.2095% | 3,659 |
| Net interest margin | 4.0817% | 719 |
| Noninterest income to average assets | 1.1429% | 870 |
| Noninterest expense to average assets | 2.3340% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9110% | 575 |
| Return on assets (ROA) | 1.9110% | 604 |
| Pretax return on assets | 2.5575% | 323 |
| Return on Equity (ROE) | 19.6490% | 485 |
| Retained earnings to average equity (ytd only) | 14.3404% | 505 |
| Net charge-offs to loans | -0.0076% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8693% | 4,623 |
| Assets per employee ($millions) | 6.0143% | 2,596 |
| Cash dividends to net income (ytd only)* | 27.0170% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.3734% | 820 |
| Net loans and leases to deposits | 89.1794% | 704 |
| Net loans and leases to core deposits | 91.1308% | 1,056 |
| Total domestic deposits to total assets | 82.2762% | 3,866 |
| Equity capital to assets | 10.3493% | 2,540 |
| Core capital (leverage) ratio | 10.4042% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,390,333 | 3,618 |
| Average earning assets | $129,847,667 | 3,630 |
| Average equity | $13,751,333 | 3,816 |
| Average total loans | $104,963,000 | 3,194 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2999% | 1,038 |
| Cost of funding earning assets | 0.2226% | 3,705 |
| Net interest margin | 4.0773% | 751 |
| Noninterest income to average assets | 0.9768% | 1,171 |
| Noninterest expense to average assets | 2.4237% | 2,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6960% | 943 |
| Return on assets (ROA) | 1.6960% | 992 |
| Pretax return on assets | 2.2950% | 594 |
| Return on Equity (ROE) | 17.9969% | 728 |
| Retained earnings to average equity (ytd only) | 7.6026% | 2,383 |
| Net charge-offs to loans | -0.0038% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5089% | 4,373 |
| Assets per employee ($millions) | 6.5587% | 2,128 |
| Cash dividends to net income (ytd only)* | 57.7558% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.6692% | 1,073 |
| Net loans and leases to deposits | 84.4983% | 1,098 |
| Net loans and leases to core deposits | 86.1293% | 1,510 |
| Total domestic deposits to total assets | 84.8174% | 3,179 |
| Equity capital to assets | 9.0123% | 3,667 |
| Core capital (leverage) ratio | 9.9865% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,921,500 | 3,605 |
| Average earning assets | $131,166,500 | 3,620 |
| Average equity | $13,469,000 | 3,848 |
| Average total loans | $106,067,500 | 3,188 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,004 |
| Cost of funding earning assets | 0.3731% | 3,751 |
| Net interest margin | 4.2705% | 541 |
| Noninterest income to average assets | 2.0702% | 314 |
| Noninterest expense to average assets | 2.6616% | 2,353 |
| Loan and lease loss provision to assets | 0.1892% | 2,052 |
| Net operating income to assets | 2.5099% | 134 |
| Return on assets (ROA) | 2.5099% | 138 |
| Pretax return on assets | 3.1591% | 113 |
| Return on Equity (ROE) | 25.9177% | 98 |
| Retained earnings to average equity (ytd only) | 23.0454% | 45 |
| Net charge-offs to loans | -0.0053% | 4,152 |
| Credit loss provision to net charge-offs | -4,640.0000% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2861% | 4,778 |
| Assets per employee ($millions) | 5.6247% | 2,715 |
| Cash dividends to net income (ytd only)* | 11.0822% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 75.1987% | 880 |
| Net loans and leases to deposits | 94.0885% | 654 |
| Net loans and leases to core deposits | 96.9079% | 1,070 |
| Total domestic deposits to total assets | 79.9234% | 4,054 |
| Equity capital to assets | 9.8842% | 3,231 |
| Core capital (leverage) ratio | 10.0725% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,596,600 | 3,715 |
| Average earning assets | $113,102,400 | 3,719 |
| Average equity | $11,872,200 | 3,988 |
| Average total loans | $94,131,600 | 3,338 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 700 |
| Cost of funding earning assets | 0.4003% | 3,804 |
| Net interest margin | 4.5225% | 354 |
| Noninterest income to average assets | 2.0474% | 311 |
| Noninterest expense to average assets | 2.7124% | 2,227 |
| Loan and lease loss provision to assets | 0.2586% | 1,567 |
| Net operating income to assets | 2.6198% | 126 |
| Return on assets (ROA) | 2.6198% | 132 |
| Pretax return on assets | 3.2614% | 103 |
| Return on Equity (ROE) | 27.2119% | 90 |
| Retained earnings to average equity (ytd only) | 23.7235% | 58 |
| Net charge-offs to loans | -0.0043% | 4,025 |
| Credit loss provision to net charge-offs | -7,733.3333% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5195% | 4,813 |
| Assets per employee ($millions) | 5.3222% | 2,868 |
| Cash dividends to net income (ytd only)* | 12.8194% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.4156% | 1,044 |
| Net loans and leases to deposits | 94.4539% | 890 |
| Net loans and leases to core deposits | 97.7541% | 1,324 |
| Total domestic deposits to total assets | 80.9025% | 3,682 |
| Equity capital to assets | 9.5127% | 3,676 |
| Core capital (leverage) ratio | 9.7490% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,497,500 | 3,743 |
| Average earning assets | $110,584,500 | 3,745 |
| Average equity | $11,504,500 | 4,037 |
| Average total loans | $91,972,750 | 3,385 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 339 |
| Cost of funding earning assets | 0.4389% | 3,851 |
| Net interest margin | 5.0582% | 180 |
| Noninterest income to average assets | 2.0526% | 280 |
| Noninterest expense to average assets | 2.8092% | 2,076 |
| Loan and lease loss provision to assets | 0.4036% | 997 |
| Net operating income to assets | 2.8910% | 95 |
| Return on assets (ROA) | 2.8910% | 100 |
| Pretax return on assets | 3.5102% | 75 |
| Return on Equity (ROE) | 29.8912% | 59 |
| Retained earnings to average equity (ytd only) | 25.8266% | 42 |
| Net charge-offs to loans | -0.0068% | 4,098 |
| Credit loss provision to net charge-offs | -7,733.3333% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7853% | 4,868 |
| Assets per employee ($millions) | 5.2991% | 2,837 |
| Cash dividends to net income (ytd only)* | 13.5981% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.2587% | 1,094 |
| Net loans and leases to deposits | 94.8690% | 885 |
| Net loans and leases to core deposits | 98.2246% | 1,396 |
| Total domestic deposits to total assets | 80.3832% | 3,754 |
| Equity capital to assets | 9.0974% | 4,001 |
| Core capital (leverage) ratio | 9.6662% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,978,667 | 3,787 |
| Average earning assets | $106,163,667 | 3,804 |
| Average equity | $11,120,333 | 4,087 |
| Average total loans | $88,321,333 | 3,452 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7301% | 1,618 |
| Cost of funding earning assets | 0.5160% | 3,867 |
| Net interest margin | 4.2141% | 895 |
| Noninterest income to average assets | 1.0769% | 729 |
| Noninterest expense to average assets | 2.7789% | 2,490 |
| Loan and lease loss provision to assets | 0.6062% | 454 |
| Net operating income to assets | 1.2953% | 1,255 |
| Return on assets (ROA) | 1.2953% | 1,354 |
| Pretax return on assets | 1.5664% | 1,138 |
| Return on Equity (ROE) | 12.9147% | 897 |
| Retained earnings to average equity (ytd only) | 4.4301% | 2,521 |
| Net charge-offs to loans | -0.0049% | 3,863 |
| Credit loss provision to net charge-offs | -16,100.0000% | 4,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1217% | 4,200 |
| Assets per employee ($millions) | 4.3704% | 3,445 |
| Cash dividends to net income (ytd only)* | 65.6977% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 1,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.7778% | 1,493 |
| Net loans and leases to deposits | 88.1380% | 1,743 |
| Net loans and leases to core deposits | 91.7156% | 2,195 |
| Total domestic deposits to total assets | 84.8418% | 2,468 |
| Equity capital to assets | 9.8205% | 3,941 |
| Core capital (leverage) ratio | 10.1351% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9423% | 3,116 |
| Memoranda: | ||
| Average total assets | $106,229,000 | 3,898 |
| Average earning assets | $97,671,500 | 3,902 |
| Average equity | $10,654,500 | 4,153 |
| Average total loans | $81,342,500 | 3,559 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9152% | 1,710 |
| Cost of funding earning assets | 0.5673% | 3,788 |
| Net interest margin | 4.3480% | 987 |
| Noninterest income to average assets | 1.0223% | 929 |
| Noninterest expense to average assets | 2.8900% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6241% | 791 |
| Return on assets (ROA) | 1.6346% | 814 |
| Pretax return on assets | 2.1182% | 458 |
| Return on Equity (ROE) | 16.1858% | 518 |
| Retained earnings to average equity (ytd only) | 10.0415% | 477 |
| Net charge-offs to loans | -0.0871% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8592% | 3,988 |
| Assets per employee ($millions) | 4.2999% | 3,509 |
| Cash dividends to net income (ytd only)* | 37.9612% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.3423% | 1,353 |
| Net loans and leases to deposits | 90.6479% | 1,520 |
| Net loans and leases to core deposits | 94.5581% | 2,017 |
| Total domestic deposits to total assets | 84.2185% | 2,782 |
| Equity capital to assets | 10.2513% | 3,677 |
| Core capital (leverage) ratio | 10.2263% | 3,268 |
| Tier 1 risk-based capital ratio | 11.1919% | 4,777 |
| Total risk-based capital ratio | 12.2686% | 4,755 |
| Memoranda: | ||
| Average total assets | $97,820,400 | 4,036 |
| Average earning assets | $89,375,400 | 4,053 |
| Average equity | $9,879,000 | 4,256 |
| Average total loans | $78,091,000 | 3,634 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 1,774 |
| Cost of funding earning assets | 0.5629% | 3,853 |
| Net interest margin | 4.3515% | 1,049 |
| Noninterest income to average assets | 1.0019% | 932 |
| Noninterest expense to average assets | 2.8925% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6193% | 890 |
| Return on assets (ROA) | 1.6335% | 901 |
| Pretax return on assets | 2.1020% | 545 |
| Return on Equity (ROE) | 16.2403% | 577 |
| Retained earnings to average equity (ytd only) | 7.8865% | 1,449 |
| Net charge-offs to loans | -0.1064% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1227% | 3,918 |
| Assets per employee ($millions) | 4.4487% | 3,292 |
| Cash dividends to net income (ytd only)* | 51.4385% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.4875% | 1,400 |
| Net loans and leases to deposits | 91.2953% | 1,531 |
| Net loans and leases to core deposits | 94.6210% | 2,120 |
| Total domestic deposits to total assets | 83.7803% | 2,903 |
| Equity capital to assets | 9.9316% | 4,088 |
| Core capital (leverage) ratio | 10.2097% | 3,412 |
| Tier 1 risk-based capital ratio | 10.8381% | 4,972 |
| Total risk-based capital ratio | 11.9183% | 4,950 |
| Memoranda: | ||
| Average total assets | $96,476,250 | 4,100 |
| Average earning assets | $88,120,750 | 4,117 |
| Average equity | $9,704,000 | 4,326 |
| Average total loans | $77,663,500 | 3,684 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 1,822 |
| Cost of funding earning assets | 0.5345% | 3,954 |
| Net interest margin | 4.3435% | 1,058 |
| Noninterest income to average assets | 0.7574% | 1,489 |
| Noninterest expense to average assets | 2.9367% | 2,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4197% | 1,378 |
| Return on assets (ROA) | 1.4197% | 1,431 |
| Pretax return on assets | 1.7921% | 1,051 |
| Return on Equity (ROE) | 14.0504% | 968 |
| Retained earnings to average equity (ytd only) | 2.8059% | 3,809 |
| Net charge-offs to loans | -0.0519% | 4,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1029% | 3,419 |
| Assets per employee ($millions) | 4.2202% | 3,545 |
| Cash dividends to net income (ytd only)* | 80.0298% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.3105% | 695 |
| Net loans and leases to deposits | 96.6720% | 966 |
| Net loans and leases to core deposits | 100.3548% | 1,692 |
| Total domestic deposits to total assets | 84.1096% | 2,810 |
| Equity capital to assets | 10.0149% | 3,964 |
| Core capital (leverage) ratio | 10.2860% | 3,298 |
| Tier 1 risk-based capital ratio | 10.7310% | 5,026 |
| Total risk-based capital ratio | 11.8026% | 5,003 |
| Memoranda: | ||
| Average total assets | $94,528,330 | 4,151 |
| Average earning assets | $86,428,330 | 4,169 |
| Average equity | $9,551,330 | 4,364 |
| Average total loans | $77,126,330 | 3,713 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 1,771 |
| Cost of funding earning assets | 0.5169% | 3,989 |
| Net interest margin | 4.3329% | 1,035 |
| Noninterest income to average assets | 0.7806% | 1,335 |
| Noninterest expense to average assets | 3.0452% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4197% | 1,324 |
| Return on assets (ROA) | 1.4197% | 1,354 |
| Pretax return on assets | 1.6899% | 1,237 |
| Return on Equity (ROE) | 13.9862% | 976 |
| Retained earnings to average equity (ytd only) | -6.5917% | 4,995 |
| Net charge-offs to loans | -0.0317% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3116% | 3,190 |
| Assets per employee ($millions) | 3.8746% | 4,095 |
| Cash dividends to net income (ytd only)* | 147.1299% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 81.3012% | 669 |
| Net loans and leases to deposits | 93.6364% | 1,210 |
| Net loans and leases to core deposits | 96.9120% | 1,863 |
| Total domestic deposits to total assets | 86.8265% | 1,892 |
| Equity capital to assets | 10.1118% | 3,708 |
| Core capital (leverage) ratio | 10.0054% | 3,601 |
| Tier 1 risk-based capital ratio | 10.9266% | 5,011 |
| Total risk-based capital ratio | 12.0350% | 4,974 |
| Memoranda: | ||
| Average total assets | $93,260,000 | 4,214 |
| Average earning assets | $85,116,000 | 4,241 |
| Average equity | $9,466,500 | 4,407 |
| Average total loans | $75,742,000 | 3,771 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 1,667 |
| Cost of funding earning assets | 0.3604% | 4,215 |
| Net interest margin | 4.3933% | 952 |
| Noninterest income to average assets | 0.7846% | 1,503 |
| Noninterest expense to average assets | 2.9407% | 2,212 |
| Loan and lease loss provision to assets | 0.0098% | 3,926 |
| Net operating income to assets | 1.4359% | 1,319 |
| Return on assets (ROA) | 1.4359% | 1,310 |
| Pretax return on assets | 1.8173% | 879 |
| Return on Equity (ROE) | 14.2801% | 984 |
| Retained earnings to average equity (ytd only) | 6.2924% | 2,039 |
| Net charge-offs to loans | -0.0893% | 5,124 |
| Credit loss provision to net charge-offs | -13.8462% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6777% | 3,593 |
| Assets per employee ($millions) | 4.0665% | 3,797 |
| Cash dividends to net income (ytd only)* | 55.9361% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 79.0912% | 1,080 |
| Net loans and leases to deposits | 90.5612% | 1,724 |
| Net loans and leases to core deposits | 92.1106% | 2,393 |
| Total domestic deposits to total assets | 87.3345% | 1,623 |
| Equity capital to assets | 10.1892% | 3,482 |
| Core capital (leverage) ratio | 10.4280% | 3,112 |
| Tier 1 risk-based capital ratio | 11.2962% | 4,815 |
| Total risk-based capital ratio | 12.4164% | 4,795 |
| Memoranda: | ||
| Average total assets | $91,509,000 | 4,244 |
| Average earning assets | $82,967,600 | 4,266 |
| Average equity | $9,201,600 | 4,436 |
| Average total loans | $72,813,800 | 3,813 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 1,732 |
| Cost of funding earning assets | 0.3267% | 4,331 |
| Net interest margin | 4.3548% | 999 |
| Noninterest income to average assets | 0.7882% | 1,513 |
| Noninterest expense to average assets | 2.9712% | 2,104 |
| Loan and lease loss provision to assets | 0.0132% | 3,733 |
| Net operating income to assets | 1.4065% | 1,463 |
| Return on assets (ROA) | 1.4065% | 1,459 |
| Pretax return on assets | 1.7493% | 1,146 |
| Return on Equity (ROE) | 14.0355% | 1,110 |
| Retained earnings to average equity (ytd only) | 4.0936% | 3,727 |
| Net charge-offs to loans | -0.0978% | 5,156 |
| Credit loss provision to net charge-offs | -16.9811% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7669% | 3,380 |
| Assets per employee ($millions) | 3.9979% | 3,888 |
| Cash dividends to net income (ytd only)* | 70.8329% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 79.9689% | 1,024 |
| Net loans and leases to deposits | 91.4419% | 1,698 |
| Net loans and leases to core deposits | 93.0268% | 2,390 |
| Total domestic deposits to total assets | 87.4532% | 1,513 |
| Equity capital to assets | 10.0074% | 3,639 |
| Core capital (leverage) ratio | 10.1796% | 3,431 |
| Tier 1 risk-based capital ratio | 11.1864% | 4,953 |
| Total risk-based capital ratio | 12.3170% | 4,903 |
| Memoranda: | ||
| Average total assets | $91,003,750 | 4,297 |
| Average earning assets | $82,451,500 | 4,316 |
| Average equity | $9,119,500 | 4,490 |
| Average total loans | $72,286,000 | 3,860 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6618% | 1,605 |
| Cost of funding earning assets | 0.2688% | 4,641 |
| Net interest margin | 4.3930% | 861 |
| Noninterest income to average assets | 0.7983% | 1,479 |
| Noninterest expense to average assets | 2.9993% | 2,045 |
| Loan and lease loss provision to assets | 0.0198% | 3,506 |
| Net operating income to assets | 1.4467% | 1,290 |
| Return on assets (ROA) | 1.4467% | 1,291 |
| Pretax return on assets | 1.7444% | 1,106 |
| Return on Equity (ROE) | 14.4303% | 976 |
| Retained earnings to average equity (ytd only) | 7.7431% | 1,732 |
| Net charge-offs to loans | -0.1034% | 5,172 |
| Credit loss provision to net charge-offs | -24.3243% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9630% | 3,485 |
| Assets per employee ($millions) | 3.9621% | 3,966 |
| Cash dividends to net income (ytd only)* | 46.3415% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.0446% | 1,011 |
| Net loans and leases to deposits | 94.6697% | 1,285 |
| Net loans and leases to core deposits | 96.3784% | 2,025 |
| Total domestic deposits to total assets | 84.5514% | 2,850 |
| Equity capital to assets | 10.1846% | 3,451 |
| Core capital (leverage) ratio | 10.3727% | 3,163 |
| Tier 1 risk-based capital ratio | 11.6955% | 4,692 |
| Total risk-based capital ratio | 12.8483% | 4,623 |
| Memoranda: | ||
| Average total assets | $90,687,670 | 4,339 |
| Average earning assets | $81,857,000 | 4,369 |
| Average equity | $9,092,000 | 4,526 |
| Average total loans | $71,557,330 | 3,902 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5553% | 1,700 |
| Cost of funding earning assets | 0.2113% | 4,947 |
| Net interest margin | 4.3440% | 869 |
| Noninterest income to average assets | 0.7959% | 1,469 |
| Noninterest expense to average assets | 2.9757% | 2,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5652% | 924 |
| Return on assets (ROA) | 1.5652% | 937 |
| Pretax return on assets | 1.7288% | 1,047 |
| Return on Equity (ROE) | 15.7377% | 669 |
| Retained earnings to average equity (ytd only) | 4.4457% | 3,418 |
| Net charge-offs to loans | -0.1079% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2519% | 3,595 |
| Assets per employee ($millions) | 3.8077% | 4,280 |
| Cash dividends to net income (ytd only)* | 71.7514% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.4227% | 1,325 |
| Net loans and leases to deposits | 92.2680% | 1,423 |
| Net loans and leases to core deposits | 93.3897% | 2,184 |
| Total domestic deposits to total assets | 83.9108% | 3,362 |
| Equity capital to assets | 9.8847% | 3,713 |
| Core capital (leverage) ratio | 10.0936% | 3,430 |
| Tier 1 risk-based capital ratio | 11.4194% | 4,901 |
| Total risk-based capital ratio | 12.5435% | 4,872 |
| Memoranda: | ||
| Average total assets | $90,467,500 | 4,388 |
| Average earning assets | $81,399,000 | 4,419 |
| Average equity | $8,997,500 | 4,585 |
| Average total loans | $70,403,000 | 3,961 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 2,114 |
| Cost of funding earning assets | 0.2384% | 4,660 |
| Net interest margin | 4.1319% | 1,343 |
| Noninterest income to average assets | 0.8472% | 1,417 |
| Noninterest expense to average assets | 2.9293% | 2,356 |
| Loan and lease loss provision to assets | 0.0283% | 3,709 |
| Net operating income to assets | 1.0596% | 2,023 |
| Return on assets (ROA) | 1.0596% | 2,042 |
| Pretax return on assets | 1.6454% | 1,175 |
| Return on Equity (ROE) | 11.2995% | 1,394 |
| Retained earnings to average equity (ytd only) | 8.1059% | 728 |
| Net charge-offs to loans | -0.0969% | 5,365 |
| Credit loss provision to net charge-offs | -39.3939% | 4,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6385% | 3,658 |
| Assets per employee ($millions) | 3.8935% | 4,129 |
| Cash dividends to net income (ytd only)* | 28.2631% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.2471% | 1,547 |
| Net loans and leases to deposits | 90.0293% | 1,772 |
| Net loans and leases to core deposits | 91.3115% | 2,429 |
| Total domestic deposits to total assets | 84.6914% | 2,951 |
| Equity capital to assets | 10.0077% | 3,699 |
| Core capital (leverage) ratio | 9.7950% | 3,703 |
| Tier 1 risk-based capital ratio | 11.6351% | 4,766 |
| Total risk-based capital ratio | 12.7674% | 4,738 |
| Memoranda: | ||
| Average total assets | $91,829,400 | 4,391 |
| Average earning assets | $83,473,400 | 4,411 |
| Average equity | $8,611,000 | 4,684 |
| Average total loans | $68,128,800 | 4,006 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 2,185 |
| Cost of funding earning assets | 0.2396% | 4,657 |
| Net interest margin | 4.0882% | 1,419 |
| Noninterest income to average assets | 0.8225% | 1,509 |
| Noninterest expense to average assets | 2.9567% | 2,225 |
| Loan and lease loss provision to assets | 0.0375% | 3,356 |
| Net operating income to assets | 1.0029% | 2,539 |
| Return on assets (ROA) | 1.0029% | 2,585 |
| Pretax return on assets | 1.5454% | 1,594 |
| Return on Equity (ROE) | 10.8719% | 1,750 |
| Retained earnings to average equity (ytd only) | 7.3522% | 1,516 |
| Net charge-offs to loans | -0.0982% | 5,374 |
| Credit loss provision to net charge-offs | -52.0000% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1303% | 3,354 |
| Assets per employee ($millions) | 4.0257% | 3,946 |
| Cash dividends to net income (ytd only)* | 32.3740% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.0079% | 2,098 |
| Net loans and leases to deposits | 84.1734% | 2,543 |
| Net loans and leases to core deposits | 84.7093% | 3,070 |
| Total domestic deposits to total assets | 86.7351% | 1,981 |
| Equity capital to assets | 9.4567% | 4,484 |
| Core capital (leverage) ratio | 9.7460% | 3,886 |
| Tier 1 risk-based capital ratio | 10.5362% | 5,437 |
| Total risk-based capital ratio | 11.5703% | 5,451 |
| Memoranda: | ||
| Average total assets | $92,399,000 | 4,421 |
| Average earning assets | $84,012,750 | 4,440 |
| Average equity | $8,523,250 | 4,743 |
| Average total loans | $67,871,750 | 4,046 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,055 |
| Cost of funding earning assets | 0.2403% | 4,638 |
| Net interest margin | 4.0832% | 1,371 |
| Noninterest income to average assets | 0.7343% | 1,843 |
| Noninterest expense to average assets | 2.9978% | 2,116 |
| Loan and lease loss provision to assets | 0.0563% | 2,846 |
| Net operating income to assets | 0.9249% | 2,780 |
| Return on assets (ROA) | 0.9249% | 2,837 |
| Pretax return on assets | 1.3971% | 2,031 |
| Return on Equity (ROE) | 10.1117% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.8566% | 882 |
| Net charge-offs to loans | -0.1034% | 5,420 |
| Credit loss provision to net charge-offs | -74.2857% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3479% | 3,125 |
| Assets per employee ($millions) | 3.9840% | 3,978 |
| Cash dividends to net income (ytd only)* | 12.4122% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.8210% | 1,728 |
| Net loans and leases to deposits | 92.4562% | 1,437 |
| Net loans and leases to core deposits | 93.1572% | 2,229 |
| Total domestic deposits to total assets | 80.9259% | 4,198 |
| Equity capital to assets | 9.4519% | 4,451 |
| Core capital (leverage) ratio | 9.4325% | 4,197 |
| Tier 1 risk-based capital ratio | 10.4105% | 5,503 |
| Total risk-based capital ratio | 11.4243% | 5,524 |
| Memoranda: | ||
| Average total assets | $92,335,330 | 4,453 |
| Average earning assets | $84,051,670 | 4,463 |
| Average equity | $8,445,670 | 4,775 |
| Average total loans | $67,675,670 | 4,071 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 2,085 |
| Cost of funding earning assets | 0.2319% | 4,694 |
| Net interest margin | 4.0223% | 1,411 |
| Noninterest income to average assets | 0.6042% | 2,391 |
| Noninterest expense to average assets | 3.0598% | 1,984 |
| Loan and lease loss provision to assets | 0.0906% | 2,033 |
| Net operating income to assets | 0.7941% | 3,249 |
| Return on assets (ROA) | 0.7941% | 3,307 |
| Pretax return on assets | 1.1221% | 2,897 |
| Return on Equity (ROE) | 8.8271% | 2,493 |
| Retained earnings to average equity (ytd only) | 6.2845% | 2,190 |
| Net charge-offs to loans | -0.0479% | 5,166 |
| Credit loss provision to net charge-offs | -262.5000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6162% | 2,646 |
| Assets per employee ($millions) | 4.1409% | 3,777 |
| Cash dividends to net income (ytd only)* | 28.8043% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 3,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.8938% | 2,237 |
| Net loans and leases to deposits | 81.4181% | 2,579 |
| Net loans and leases to core deposits | 82.5448% | 3,034 |
| Total domestic deposits to total assets | 87.0738% | 2,177 |
| Equity capital to assets | 8.8292% | 4,973 |
| Core capital (leverage) ratio | 9.1009% | 4,617 |
| Tier 1 risk-based capital ratio | 10.2267% | 5,643 |
| Total risk-based capital ratio | 11.2138% | 5,680 |
| Memoranda: | ||
| Average total assets | $92,687,000 | 4,488 |
| Average earning assets | $84,528,500 | 4,502 |
| Average equity | $8,338,000 | 4,835 |
| Average total loans | $66,810,500 | 4,116 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 2,521 |
| Cost of funding earning assets | 0.2479% | 4,586 |
| Net interest margin | 3.9414% | 1,816 |
| Noninterest income to average assets | 0.8852% | 1,463 |
| Noninterest expense to average assets | 3.0983% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8943% | 2,860 |
| Return on assets (ROA) | 0.9069% | 2,900 |
| Pretax return on assets | 1.3974% | 1,951 |
| Return on Equity (ROE) | 9.8662% | 2,017 |
| Retained earnings to average equity (ytd only) | 6.3293% | 1,544 |
| Net charge-offs to loans | -0.0868% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2151% | 3,038 |
| Assets per employee ($millions) | 3.4667% | 4,810 |
| Cash dividends to net income (ytd only)* | 35.8491% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 3,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.5620% | 2,228 |
| Net loans and leases to deposits | 84.2380% | 2,387 |
| Net loans and leases to core deposits | 85.8411% | 2,864 |
| Total domestic deposits to total assets | 84.9522% | 3,073 |
| Equity capital to assets | 9.1720% | 4,615 |
| Core capital (leverage) ratio | 9.3526% | 4,285 |
| Tier 1 risk-based capital ratio | 9.2130% | 5,845 |
| Total risk-based capital ratio | 10.0830% | 5,863 |
| Memoranda: | ||
| Average total assets | $87,662,000 | 4,592 |
| Average earning assets | $79,869,200 | 4,589 |
| Average equity | $8,057,800 | 4,928 |
| Average total loans | $61,083,600 | 4,260 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,636 |
| Cost of funding earning assets | 0.2524% | 4,581 |
| Net interest margin | 3.9104% | 1,937 |
| Noninterest income to average assets | 0.9543% | 1,247 |
| Noninterest expense to average assets | 3.1294% | 1,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9067% | 2,866 |
| Return on assets (ROA) | 0.9236% | 2,916 |
| Pretax return on assets | 1.4107% | 2,003 |
| Return on Equity (ROE) | 10.0428% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.2962% | 2,631 |
| Net charge-offs to loans | -0.0777% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3247% | 2,993 |
| Assets per employee ($millions) | 3.6842% | 4,505 |
| Cash dividends to net income (ytd only)* | 47.2636% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 66.9750% | 2,961 |
| Net loans and leases to deposits | 77.8913% | 3,189 |
| Net loans and leases to core deposits | 79.1182% | 3,539 |
| Total domestic deposits to total assets | 85.9852% | 2,358 |
| Equity capital to assets | 9.1958% | 4,979 |
| Core capital (leverage) ratio | 9.4728% | 4,212 |
| Tier 1 risk-based capital ratio | 9.5306% | 5,873 |
| Total risk-based capital ratio | 10.4319% | 5,911 |
| Memoranda: | ||
| Average total assets | $87,044,250 | 4,632 |
| Average earning assets | $79,239,500 | 4,640 |
| Average equity | $8,005,500 | 4,985 |
| Average total loans | $60,033,000 | 4,325 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 2,743 |
| Cost of funding earning assets | 0.2588% | 4,560 |
| Net interest margin | 3.8723% | 2,076 |
| Noninterest income to average assets | 0.8454% | 1,569 |
| Noninterest expense to average assets | 3.0790% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8646% | 3,029 |
| Return on assets (ROA) | 0.8754% | 3,096 |
| Pretax return on assets | 1.3074% | 2,376 |
| Return on Equity (ROE) | 9.5182% | 2,263 |
| Retained earnings to average equity (ytd only) | 7.8356% | 1,226 |
| Net charge-offs to loans | -0.0766% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4545% | 2,907 |
| Assets per employee ($millions) | 3.3582% | 4,985 |
| Cash dividends to net income (ytd only)* | 17.6781% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 71.2457% | 2,294 |
| Net loans and leases to deposits | 83.1769% | 2,566 |
| Net loans and leases to core deposits | 84.5609% | 3,030 |
| Total domestic deposits to total assets | 85.6556% | 2,582 |
| Equity capital to assets | 9.7039% | 4,553 |
| Core capital (leverage) ratio | 9.5062% | 4,202 |
| Tier 1 risk-based capital ratio | 9.7726% | 5,903 |
| Total risk-based capital ratio | 10.6794% | 5,943 |
| Memoranda: | ||
| Average total assets | $86,585,330 | 4,684 |
| Average earning assets | $78,817,000 | 4,680 |
| Average equity | $7,963,670 | 5,031 |
| Average total loans | $60,048,000 | 4,346 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,237 |
| Cost of funding earning assets | 0.2498% | 4,711 |
| Net interest margin | 3.7464% | 2,494 |
| Noninterest income to average assets | 0.8783% | 1,364 |
| Noninterest expense to average assets | 3.0216% | 2,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8924% | 2,794 |
| Return on assets (ROA) | 0.9147% | 2,791 |
| Pretax return on assets | 1.3015% | 2,296 |
| Return on Equity (ROE) | 10.2134% | 1,896 |
| Retained earnings to average equity (ytd only) | 6.8089% | 1,973 |
| Net charge-offs to loans | -0.0803% | 5,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4136% | 3,052 |
| Assets per employee ($millions) | 3.6639% | 4,532 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 3,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 66.2493% | 2,909 |
| Net loans and leases to deposits | 78.2745% | 2,974 |
| Net loans and leases to core deposits | 79.6421% | 3,354 |
| Total domestic deposits to total assets | 84.6372% | 3,260 |
| Equity capital to assets | 9.0398% | 5,133 |
| Core capital (leverage) ratio | 9.2772% | 4,517 |
| Tier 1 risk-based capital ratio | 9.7149% | 5,967 |
| Total risk-based capital ratio | 10.6254% | 6,009 |
| Memoranda: | ||
| Average total assets | $87,900,000 | 4,698 |
| Average earning assets | $80,076,000 | 4,704 |
| Average equity | $7,872,000 | 5,081 |
| Average total loans | $59,786,500 | 4,375 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,292 |
| Cost of funding earning assets | 0.2770% | 4,512 |
| Net interest margin | 3.9985% | 1,724 |
| Noninterest income to average assets | 0.7653% | 1,916 |
| Noninterest expense to average assets | 3.0555% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9055% | 2,842 |
| Return on assets (ROA) | 0.9055% | 2,924 |
| Pretax return on assets | 1.3531% | 2,093 |
| Return on Equity (ROE) | 10.0292% | 2,000 |
| Retained earnings to average equity (ytd only) | 1.5529% | 4,835 |
| Net charge-offs to loans | 0.1727% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 11.0286% | 2,632 |
| Efficiency ratio | 69.3082% | 3,342 |
| Assets per employee ($millions) | 3.6611% | 4,544 |
| Cash dividends to net income (ytd only)* | 84.5161% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 3,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 68.1029% | 2,691 |
| Net loans and leases to deposits | 80.4442% | 2,775 |
| Net loans and leases to core deposits | 82.2385% | 3,120 |
| Total domestic deposits to total assets | 84.6586% | 3,234 |
| Equity capital to assets | 8.8714% | 5,248 |
| Core capital (leverage) ratio | 9.0678% | 4,799 |
| Tier 1 risk-based capital ratio | 9.6876% | 6,022 |
| Total risk-based capital ratio | 10.5975% | 6,059 |
| Memoranda: | ||
| Average total assets | $85,583,400 | 4,752 |
| Average earning assets | $77,979,400 | 4,764 |
| Average equity | $7,727,400 | 5,102 |
| Average total loans | $60,785,200 | 4,358 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 2,299 |
| Cost of funding earning assets | 0.2822% | 4,532 |
| Net interest margin | 4.0003% | 1,707 |
| Noninterest income to average assets | 0.7826% | 1,870 |
| Noninterest expense to average assets | 3.0630% | 2,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9285% | 2,813 |
| Return on assets (ROA) | 0.9285% | 2,900 |
| Pretax return on assets | 1.3660% | 2,153 |
| Return on Equity (ROE) | 10.2368% | 2,003 |
| Retained earnings to average equity (ytd only) | 0.2248% | 5,544 |
| Net charge-offs to loans | 0.0986% | 2,165 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.3550% | 1,944 |
| Efficiency ratio | 69.1572% | 3,343 |
| Assets per employee ($millions) | 3.5151% | 4,768 |
| Cash dividends to net income (ytd only)* | 97.8044% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 3,322 |
| Loan loss allowance to noncurrent loans | 1,086.3014% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,402 |
| Noncurrent loans to loans | 0.1158% | 5,166 |
| Net loans and leases to total assets | 73.7788% | 1,776 |
| Net loans and leases to deposits | 90.1862% | 1,620 |
| Net loans and leases to core deposits | 91.9434% | 2,272 |
| Total domestic deposits to total assets | 81.8072% | 4,226 |
| Equity capital to assets | 9.1462% | 5,166 |
| Core capital (leverage) ratio | 9.0409% | 4,948 |
| Tier 1 risk-based capital ratio | 9.6334% | 6,120 |
| Total risk-based capital ratio | 10.6262% | 6,142 |
| Memoranda: | ||
| Average total assets | $85,012,500 | 4,818 |
| Average earning assets | $77,492,500 | 4,832 |
| Average equity | $7,710,500 | 5,172 |
| Average total loans | $60,838,250 | 4,408 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1817% | 2,612 |
| Cost of funding earning assets | 0.2829% | 4,578 |
| Net interest margin | 3.8988% | 1,983 |
| Noninterest income to average assets | 0.7932% | 1,809 |
| Noninterest expense to average assets | 3.0318% | 2,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9269% | 2,748 |
| Return on assets (ROA) | 0.9269% | 2,868 |
| Pretax return on assets | 1.3188% | 2,294 |
| Return on Equity (ROE) | 10.2482% | 1,960 |
| Retained earnings to average equity (ytd only) | 2.7242% | 4,326 |
| Net charge-offs to loans | 0.1531% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 12.2174% | 2,231 |
| Efficiency ratio | 69.6872% | 3,389 |
| Assets per employee ($millions) | 3.4173% | 4,951 |
| Cash dividends to net income (ytd only)* | 73.4177% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 3,723 |
| Loan loss allowance to noncurrent loans | 886.9048% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 5,378 |
| Noncurrent loans to loans | 0.1366% | 5,200 |
| Net loans and leases to total assets | 71.1002% | 2,142 |
| Net loans and leases to deposits | 87.2895% | 1,910 |
| Net loans and leases to core deposits | 89.7052% | 2,379 |
| Total domestic deposits to total assets | 81.4533% | 4,465 |
| Equity capital to assets | 9.1346% | 5,104 |
| Core capital (leverage) ratio | 9.1927% | 4,705 |
| Tier 1 risk-based capital ratio | 10.0636% | 6,068 |
| Total risk-based capital ratio | 11.0883% | 6,084 |
| Memoranda: | ||
| Average total assets | $85,229,000 | 4,871 |
| Average earning assets | $77,767,330 | 4,874 |
| Average equity | $7,708,670 | 5,220 |
| Average total loans | $60,106,000 | 4,458 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,631 |
| Cost of funding earning assets | 0.2880% | 4,574 |
| Net interest margin | 3.8626% | 2,021 |
| Noninterest income to average assets | 0.8787% | 1,459 |
| Noninterest expense to average assets | 3.0449% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0337% | 2,100 |
| Return on assets (ROA) | 1.0337% | 2,253 |
| Pretax return on assets | 1.3627% | 2,027 |
| Return on Equity (ROE) | 11.4868% | 1,485 |
| Retained earnings to average equity (ytd only) | -3.6549% | 5,839 |
| Net charge-offs to loans | 0.3030% | 783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.4444% | 2,291 |
| Efficiency ratio | 69.0832% | 3,642 |
| Assets per employee ($millions) | 3.6287% | 4,670 |
| Cash dividends to net income (ytd only)* | 131.8182% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 3,620 |
| Loan loss allowance to noncurrent loans | 723.3010% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,386 |
| Noncurrent loans to loans | 0.1745% | 5,150 |
| Net loans and leases to total assets | 66.9334% | 2,617 |
| Net loans and leases to deposits | 79.6728% | 2,596 |
| Net loans and leases to core deposits | 81.7637% | 2,983 |
| Total domestic deposits to total assets | 84.0104% | 3,813 |
| Equity capital to assets | 8.7693% | 5,530 |
| Core capital (leverage) ratio | 8.8763% | 5,102 |
| Tier 1 risk-based capital ratio | 9.9538% | 6,182 |
| Total risk-based capital ratio | 10.9907% | 6,191 |
| Memoranda: | ||
| Average total assets | $85,127,000 | 4,918 |
| Average earning assets | $77,770,500 | 4,924 |
| Average equity | $7,661,000 | 5,268 |
| Average total loans | $59,415,000 | 4,507 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,395 |
| Cost of funding earning assets | 0.3430% | 4,326 |
| Net interest margin | 4.0104% | 1,869 |
| Noninterest income to average assets | 0.7264% | 2,179 |
| Noninterest expense to average assets | 3.0733% | 2,613 |
| Loan and lease loss provision to assets | 0.0024% | 4,556 |
| Net operating income to assets | 0.8501% | 3,117 |
| Return on assets (ROA) | 0.8501% | 3,215 |
| Pretax return on assets | 1.2650% | 2,369 |
| Return on Equity (ROE) | 8.8357% | 2,666 |
| Retained earnings to average equity (ytd only) | -7.2663% | 6,249 |
| Net charge-offs to loans | -0.0017% | 5,367 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8025% | 3,411 |
| Assets per employee ($millions) | 3.3266% | 5,224 |
| Cash dividends to net income (ytd only)* | 182.2378% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 3,310 |
| Loan loss allowance to noncurrent loans | 692.9825% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 5,375 |
| Noncurrent loans to loans | 0.1907% | 5,140 |
| Net loans and leases to total assets | 70.9473% | 2,083 |
| Net loans and leases to deposits | 83.1780% | 2,314 |
| Net loans and leases to core deposits | 85.3695% | 2,744 |
| Total domestic deposits to total assets | 85.2957% | 3,164 |
| Equity capital to assets | 9.2406% | 5,022 |
| Core capital (leverage) ratio | 9.1194% | 4,796 |
| Tier 1 risk-based capital ratio | 10.2473% | 6,193 |
| Total risk-based capital ratio | 11.3652% | 6,175 |
| Memoranda: | ||
| Average total assets | $84,111,400 | 4,955 |
| Average earning assets | $75,802,200 | 4,996 |
| Average equity | $8,092,200 | 5,182 |
| Average total loans | $57,956,200 | 4,552 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,578 |
| Cost of funding earning assets | 0.3498% | 4,347 |
| Net interest margin | 3.9619% | 1,992 |
| Noninterest income to average assets | 0.6955% | 2,352 |
| Noninterest expense to average assets | 3.0903% | 2,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8125% | 3,372 |
| Return on assets (ROA) | 0.8125% | 3,469 |
| Pretax return on assets | 1.1682% | 2,916 |
| Return on Equity (ROE) | 8.3637% | 3,003 |
| Retained earnings to average equity (ytd only) | -12.5780% | 6,422 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5687% | 3,079 |
| Assets per employee ($millions) | 3.5477% | 4,772 |
| Cash dividends to net income (ytd only)* | 250.3881% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 3,602 |
| Loan loss allowance to noncurrent loans | 1,543.1373% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 5,829 |
| Noncurrent loans to loans | 0.0848% | 5,692 |
| Net loans and leases to total assets | 69.7007% | 2,244 |
| Net loans and leases to deposits | 81.3550% | 2,508 |
| Net loans and leases to core deposits | 84.0619% | 2,874 |
| Total domestic deposits to total assets | 85.6749% | 3,029 |
| Equity capital to assets | 8.8168% | 5,534 |
| Core capital (leverage) ratio | 8.9310% | 5,154 |
| Tier 1 risk-based capital ratio | 10.0834% | 6,327 |
| Total risk-based capital ratio | 11.2066% | 6,321 |
| Memoranda: | ||
| Average total assets | $84,347,750 | 5,011 |
| Average earning assets | $75,854,500 | 5,044 |
| Average equity | $8,194,000 | 5,194 |
| Average total loans | $57,496,750 | 4,611 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 2,698 |
| Cost of funding earning assets | 0.3593% | 4,329 |
| Net interest margin | 3.9119% | 2,112 |
| Noninterest income to average assets | 0.6827% | 2,363 |
| Noninterest expense to average assets | 3.0875% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8064% | 3,292 |
| Return on assets (ROA) | 0.8064% | 3,399 |
| Pretax return on assets | 1.0918% | 3,131 |
| Return on Equity (ROE) | 8.0494% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.2658% | 1,637 |
| Net charge-offs to loans | 0.0071% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 229.5000% | 297 |
| Efficiency ratio | 73.8759% | 2,995 |
| Assets per employee ($millions) | 3.5696% | 4,722 |
| Cash dividends to net income (ytd only)* | 9.7345% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 3,576 |
| Loan loss allowance to noncurrent loans | 801.0204% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 5,737 |
| Noncurrent loans to loans | 0.1687% | 5,507 |
| Net loans and leases to total assets | 66.8721% | 2,604 |
| Net loans and leases to deposits | 79.7278% | 2,553 |
| Net loans and leases to core deposits | 82.5005% | 2,912 |
| Total domestic deposits to total assets | 83.8755% | 3,968 |
| Equity capital to assets | 10.0279% | 4,066 |
| Core capital (leverage) ratio | 10.1761% | 3,374 |
| Tier 1 risk-based capital ratio | 12.3884% | 5,309 |
| Total risk-based capital ratio | 13.5918% | 5,256 |
| Memoranda: | ||
| Average total assets | $84,082,330 | 5,059 |
| Average earning assets | $75,155,000 | 5,103 |
| Average equity | $8,423,000 | 5,173 |
| Average total loans | $56,618,000 | 4,669 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 2,950 |
| Cost of funding earning assets | 0.3639% | 4,399 |
| Net interest margin | 3.8156% | 2,405 |
| Noninterest income to average assets | 0.6147% | 2,646 |
| Noninterest expense to average assets | 3.1361% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8260% | 3,025 |
| Return on assets (ROA) | 0.8260% | 3,096 |
| Pretax return on assets | 0.9029% | 3,687 |
| Return on Equity (ROE) | 8.2504% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.6675% | 2,202 |
| Net charge-offs to loans | 0.0072% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 188.0000% | 260 |
| Efficiency ratio | 77.6457% | 2,527 |
| Assets per employee ($millions) | 3.4336% | 5,069 |
| Cash dividends to net income (ytd only)* | 19.1860% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 3,527 |
| Loan loss allowance to noncurrent loans | 531.0811% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 5,631 |
| Noncurrent loans to loans | 0.2663% | 5,306 |
| Net loans and leases to total assets | 63.8296% | 2,923 |
| Net loans and leases to deposits | 77.3614% | 2,648 |
| Net loans and leases to core deposits | 80.1053% | 2,952 |
| Total domestic deposits to total assets | 82.5084% | 4,783 |
| Equity capital to assets | 9.8053% | 4,104 |
| Core capital (leverage) ratio | 10.1851% | 3,308 |
| Tier 1 risk-based capital ratio | 12.5171% | 5,303 |
| Total risk-based capital ratio | 13.7587% | 5,247 |
| Memoranda: | ||
| Average total assets | $83,288,000 | 5,125 |
| Average earning assets | $74,745,000 | 5,152 |
| Average equity | $8,339,000 | 5,209 |
| Average total loans | $55,889,500 | 4,729 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,861 |
| Cost of funding earning assets | 0.4881% | 3,735 |
| Net interest margin | 4.1177% | 1,599 |
| Noninterest income to average assets | 0.7918% | 2,115 |
| Noninterest expense to average assets | 3.2278% | 2,336 |
| Loan and lease loss provision to assets | 0.0036% | 5,040 |
| Net operating income to assets | 0.7833% | 3,375 |
| Return on assets (ROA) | 0.7833% | 3,482 |
| Pretax return on assets | 1.2222% | 2,492 |
| Return on Equity (ROE) | 8.0778% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.3151% | 1,309 |
| Net charge-offs to loans | -0.0104% | 6,023 |
| Credit loss provision to net charge-offs | -50.0000% | 5,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4748% | 3,390 |
| Assets per employee ($millions) | 3.3640% | 5,171 |
| Cash dividends to net income (ytd only)* | 9.4427% | 4,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 3,657 |
| Loan loss allowance to noncurrent loans | 378.3654% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 5,406 |
| Noncurrent loans to loans | 0.3701% | 5,078 |
| Net loans and leases to total assets | 68.6369% | 2,233 |
| Net loans and leases to deposits | 81.2880% | 2,283 |
| Net loans and leases to core deposits | 84.4211% | 2,633 |
| Total domestic deposits to total assets | 84.4367% | 3,997 |
| Equity capital to assets | 10.2322% | 3,465 |
| Core capital (leverage) ratio | 10.1077% | 3,420 |
| Tier 1 risk-based capital ratio | 12.6244% | 5,216 |
| Total risk-based capital ratio | 13.8748% | 5,162 |
| Memoranda: | ||
| Average total assets | $82,471,000 | 5,179 |
| Average earning assets | $73,342,000 | 5,215 |
| Average equity | $7,997,200 | 5,334 |
| Average total loans | $57,564,200 | 4,698 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6293% | 1,802 |
| Cost of funding earning assets | 0.5180% | 3,585 |
| Net interest margin | 4.1113% | 1,598 |
| Noninterest income to average assets | 0.8041% | 2,125 |
| Noninterest expense to average assets | 3.2583% | 2,183 |
| Loan and lease loss provision to assets | 0.0016% | 4,924 |
| Net operating income to assets | 0.7719% | 3,498 |
| Return on assets (ROA) | 0.7719% | 3,627 |
| Pretax return on assets | 1.1949% | 2,721 |
| Return on Equity (ROE) | 8.0691% | 3,084 |
| Retained earnings to average equity (ytd only) | 7.2958% | 1,740 |
| Net charge-offs to loans | -0.0161% | 5,999 |
| Credit loss provision to net charge-offs | -14.2857% | 5,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1408% | 3,200 |
| Assets per employee ($millions) | 3.2559% | 5,371 |
| Cash dividends to net income (ytd only)* | 9.5831% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 3,947 |
| Loan loss allowance to noncurrent loans | 427.1739% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 5,637 |
| Noncurrent loans to loans | 0.3249% | 5,413 |
| Net loans and leases to total assets | 68.6073% | 2,216 |
| Net loans and leases to deposits | 80.9324% | 2,273 |
| Net loans and leases to core deposits | 84.0609% | 2,650 |
| Total domestic deposits to total assets | 84.7711% | 3,850 |
| Equity capital to assets | 9.9671% | 3,945 |
| Core capital (leverage) ratio | 9.9386% | 3,757 |
| Tier 1 risk-based capital ratio | 12.3571% | 5,540 |
| Total risk-based capital ratio | 13.6071% | 5,477 |
| Memoranda: | ||
| Average total assets | $82,905,000 | 5,219 |
| Average earning assets | $73,616,750 | 5,251 |
| Average equity | $7,931,250 | 5,410 |
| Average total loans | $57,905,000 | 4,737 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,867 |
| Cost of funding earning assets | 0.5334% | 3,571 |
| Net interest margin | 4.0628% | 1,653 |
| Noninterest income to average assets | 0.8704% | 1,924 |
| Noninterest expense to average assets | 3.3091% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7721% | 3,452 |
| Return on assets (ROA) | 0.7721% | 3,605 |
| Pretax return on assets | 1.1774% | 2,776 |
| Return on Equity (ROE) | 8.1823% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.1823% | 1,410 |
| Net charge-offs to loans | -0.0583% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7573% | 3,176 |
| Assets per employee ($millions) | 3.3478% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 4,059 |
| Loan loss allowance to noncurrent loans | 417.8947% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 5,684 |
| Noncurrent loans to loans | 0.3336% | 5,463 |
| Net loans and leases to total assets | 67.1071% | 2,395 |
| Net loans and leases to deposits | 81.6580% | 2,095 |
| Net loans and leases to core deposits | 84.1211% | 2,547 |
| Total domestic deposits to total assets | 82.1807% | 4,991 |
| Equity capital to assets | 9.5297% | 4,548 |
| Core capital (leverage) ratio | 9.8256% | 3,764 |
| Tier 1 risk-based capital ratio | 12.7749% | 5,304 |
| Total risk-based capital ratio | 14.0258% | 5,240 |
| Memoranda: | ||
| Average total assets | $83,407,330 | 5,237 |
| Average earning assets | $74,234,330 | 5,269 |
| Average equity | $7,870,670 | 5,462 |
| Average total loans | $58,329,670 | 4,731 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,975 |
| Cost of funding earning assets | 0.5446% | 3,628 |
| Net interest margin | 4.0095% | 1,746 |
| Noninterest income to average assets | 0.9176% | 1,703 |
| Noninterest expense to average assets | 3.3628% | 1,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8023% | 3,154 |
| Return on assets (ROA) | 0.8023% | 3,285 |
| Pretax return on assets | 1.1626% | 2,716 |
| Return on Equity (ROE) | 8.5444% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.5444% | 1,546 |
| Net charge-offs to loans | -0.1017% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3100% | 3,213 |
| Assets per employee ($millions) | 2.9828% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 4,433 |
| Loan loss allowance to noncurrent loans | 232.2581% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 5,249 |
| Noncurrent loans to loans | 0.5845% | 4,981 |
| Net loans and leases to total assets | 68.9053% | 1,859 |
| Net loans and leases to deposits | 84.0745% | 1,586 |
| Net loans and leases to core deposits | 86.5151% | 2,058 |
| Total domestic deposits to total assets | 81.9574% | 5,206 |
| Equity capital to assets | 9.4613% | 4,904 |
| Core capital (leverage) ratio | 9.4420% | 4,178 |
| Tier 1 risk-based capital ratio | 12.6346% | 5,483 |
| Total risk-based capital ratio | 13.8852% | 5,439 |
| Memoranda: | ||
| Average total assets | $83,263,000 | 5,291 |
| Average earning assets | $74,922,500 | 5,294 |
| Average equity | $7,818,000 | 5,533 |
| Average total loans | $59,014,500 | 4,737 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 1,936 |
| Cost of funding earning assets | 0.6375% | 4,030 |
| Net interest margin | 4.2350% | 1,562 |
| Noninterest income to average assets | 0.7548% | 2,470 |
| Noninterest expense to average assets | 3.7012% | 1,409 |
| Loan and lease loss provision to assets | 0.0316% | 5,499 |
| Net operating income to assets | 0.4755% | 4,779 |
| Return on assets (ROA) | 0.5190% | 4,874 |
| Pretax return on assets | 0.8934% | 3,942 |
| Return on Equity (ROE) | 5.6419% | 4,345 |
| Retained earnings to average equity (ytd only) | 4.8491% | 2,811 |
| Net charge-offs to loans | 0.0085% | 5,828 |
| Credit loss provision to net charge-offs | 520.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 297 |
| Efficiency ratio | 81.2000% | 1,985 |
| Assets per employee ($millions) | 2.8623% | 6,224 |
| Cash dividends to net income (ytd only)* | 14.0515% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,625 |
| Loan loss allowance to noncurrent loans | 122.5552% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 4,170 |
| Noncurrent loans to loans | 1.0622% | 4,091 |
| Net loans and leases to total assets | 70.9711% | 1,656 |
| Net loans and leases to deposits | 86.1511% | 1,497 |
| Net loans and leases to core deposits | 88.6080% | 2,016 |
| Total domestic deposits to total assets | 82.3798% | 4,973 |
| Equity capital to assets | 9.3173% | 5,127 |
| Core capital (leverage) ratio | 9.2442% | 4,508 |
| Tier 1 risk-based capital ratio | 12.2822% | 5,608 |
| Total risk-based capital ratio | 13.5338% | 5,564 |
| Memoranda: | ||
| Average total assets | $82,269,800 | 5,296 |
| Average earning assets | $73,883,800 | 5,315 |
| Average equity | $7,568,400 | 5,617 |
| Average total loans | $58,705,400 | 4,764 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 2,107 |
| Cost of funding earning assets | 0.6582% | 4,121 |
| Net interest margin | 4.2166% | 1,689 |
| Noninterest income to average assets | 0.7748% | 2,354 |
| Noninterest expense to average assets | 3.7846% | 1,237 |
| Loan and lease loss provision to assets | 0.0049% | 5,747 |
| Net operating income to assets | 0.4328% | 5,108 |
| Return on assets (ROA) | 0.4516% | 5,276 |
| Pretax return on assets | 0.8024% | 4,475 |
| Return on Equity (ROE) | 4.9244% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.2867% | 3,874 |
| Net charge-offs to loans | -0.0433% | 6,667 |
| Credit loss provision to net charge-offs | -15.7895% | 6,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9477% | 1,705 |
| Assets per employee ($millions) | 2.9355% | 6,158 |
| Cash dividends to net income (ytd only)* | 12.9499% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,693 |
| Loan loss allowance to noncurrent loans | 98.7310% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 3,907 |
| Noncurrent loans to loans | 1.3431% | 3,784 |
| Net loans and leases to total assets | 70.4313% | 1,823 |
| Net loans and leases to deposits | 84.6917% | 1,779 |
| Net loans and leases to core deposits | 86.4380% | 2,407 |
| Total domestic deposits to total assets | 83.1620% | 4,575 |
| Equity capital to assets | 9.3071% | 5,457 |
| Core capital (leverage) ratio | 9.1093% | 4,901 |
| Tier 1 risk-based capital ratio | 12.6274% | 5,537 |
| Total risk-based capital ratio | 13.8788% | 5,499 |
| Memoranda: | ||
| Average total assets | $82,085,500 | 5,349 |
| Average earning assets | $73,738,250 | 5,384 |
| Average equity | $7,527,000 | 5,689 |
| Average total loans | $58,459,750 | 4,821 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 2,016 |
| Cost of funding earning assets | 0.6796% | 4,183 |
| Net interest margin | 4.2434% | 1,628 |
| Noninterest income to average assets | 0.7898% | 2,234 |
| Noninterest expense to average assets | 4.1926% | 735 |
| Loan and lease loss provision to assets | 0.0073% | 5,565 |
| Net operating income to assets | 0.1731% | 5,997 |
| Return on assets (ROA) | 0.1731% | 6,168 |
| Pretax return on assets | 0.3949% | 5,724 |
| Return on Equity (ROE) | 1.8969% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.8969% | 5,255 |
| Net charge-offs to loans | -0.0171% | 6,395 |
| Credit loss provision to net charge-offs | -60.0000% | 6,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2467% | 978 |
| Assets per employee ($millions) | 2.9241% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 4,760 |
| Loan loss allowance to noncurrent loans | 159.0437% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 4,757 |
| Noncurrent loans to loans | 0.8342% | 4,846 |
| Net loans and leases to total assets | 69.4937% | 2,010 |
| Net loans and leases to deposits | 82.5027% | 2,044 |
| Net loans and leases to core deposits | 84.1836% | 2,664 |
| Total domestic deposits to total assets | 84.2321% | 4,222 |
| Equity capital to assets | 9.1456% | 5,531 |
| Core capital (leverage) ratio | 8.9556% | 4,976 |
| Tier 1 risk-based capital ratio | 12.3956% | 5,652 |
| Total risk-based capital ratio | 13.6472% | 5,635 |
| Memoranda: | ||
| Average total assets | $82,049,000 | 5,378 |
| Average earning assets | $73,573,330 | 5,413 |
| Average equity | $7,486,000 | 5,716 |
| Average total loans | $58,390,000 | 4,858 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 2,232 |
| Cost of funding earning assets | 0.6848% | 4,412 |
| Net interest margin | 4.2175% | 1,715 |
| Noninterest income to average assets | 0.8182% | 2,071 |
| Noninterest expense to average assets | 3.4090% | 1,990 |
| Loan and lease loss provision to assets | 0.0049% | 5,213 |
| Net operating income to assets | 0.6136% | 4,290 |
| Return on assets (ROA) | 0.6136% | 4,501 |
| Pretax return on assets | 1.1834% | 2,970 |
| Return on Equity (ROE) | 6.7335% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.7335% | 2,561 |
| Net charge-offs to loans | 0.0068% | 4,646 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 244.0000% | 148 |
| Efficiency ratio | 74.1525% | 3,079 |
| Assets per employee ($millions) | 2.8913% | 6,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 5,055 |
| Loan loss allowance to noncurrent loans | 185.0856% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0555% | 4,380 |
| Noncurrent loans to loans | 0.6982% | 5,267 |
| Net loans and leases to total assets | 68.9597% | 1,951 |
| Net loans and leases to deposits | 82.6666% | 1,839 |
| Net loans and leases to core deposits | 84.2395% | 2,520 |
| Total domestic deposits to total assets | 83.4190% | 4,750 |
| Equity capital to assets | 8.9983% | 5,494 |
| Core capital (leverage) ratio | 9.1113% | 4,669 |
| Tier 1 risk-based capital ratio | 12.5358% | 5,577 |
| Total risk-based capital ratio | 13.7872% | 5,536 |
| Memoranda: | ||
| Average total assets | $82,136,000 | 5,413 |
| Average earning assets | $73,597,500 | 5,450 |
| Average equity | $7,485,000 | 5,741 |
| Average total loans | $58,753,500 | 4,866 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 2,031 |
| Cost of funding earning assets | 0.8248% | 4,677 |
| Net interest margin | 4.3815% | 1,443 |
| Noninterest income to average assets | 0.6823% | 2,707 |
| Noninterest expense to average assets | 3.4442% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7174% | 3,404 |
| Return on assets (ROA) | 0.7174% | 3,577 |
| Pretax return on assets | 1.1525% | 2,639 |
| Return on Equity (ROE) | 7.9416% | 2,937 |
| Retained earnings to average equity (ytd only) | -4.8025% | 6,431 |
| Net charge-offs to loans | 0.0722% | 5,596 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 21.6136% | 1,085 |
| Efficiency ratio | 74.9275% | 3,069 |
| Assets per employee ($millions) | 2.8723% | 6,334 |
| Cash dividends to net income (ytd only)* | 160.4730% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,999 |
| Loan loss allowance to noncurrent loans | 190.2010% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 4,424 |
| Noncurrent loans to loans | 0.6754% | 5,347 |
| Net loans and leases to total assets | 72.3313% | 1,587 |
| Net loans and leases to deposits | 86.6891% | 1,577 |
| Net loans and leases to core deposits | 87.9500% | 2,381 |
| Total domestic deposits to total assets | 83.4376% | 4,574 |
| Equity capital to assets | 9.2324% | 5,239 |
| Core capital (leverage) ratio | 8.8663% | 5,000 |
| Tier 1 risk-based capital ratio | 12.4870% | 5,462 |
| Total risk-based capital ratio | 13.7381% | 5,444 |
| Memoranda: | ||
| Average total assets | $82,516,200 | 5,385 |
| Average earning assets | $73,718,400 | 5,410 |
| Average equity | $7,454,400 | 5,732 |
| Average total loans | $60,926,400 | 4,832 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2257% | 2,104 |
| Cost of funding earning assets | 0.8568% | 4,720 |
| Net interest margin | 4.3688% | 1,499 |
| Noninterest income to average assets | 0.6535% | 2,856 |
| Noninterest expense to average assets | 3.5147% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6358% | 3,938 |
| Return on assets (ROA) | 0.6358% | 4,124 |
| Pretax return on assets | 1.0356% | 3,262 |
| Return on Equity (ROE) | 7.0760% | 3,489 |
| Retained earnings to average equity (ytd only) | -5.6107% | 6,625 |
| Net charge-offs to loans | 0.1042% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 13.4372% | 1,618 |
| Efficiency ratio | 77.2406% | 2,648 |
| Assets per employee ($millions) | 2.9442% | 6,242 |
| Cash dividends to net income (ytd only)* | 179.2913% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 5,304 |
| Loan loss allowance to noncurrent loans | 159.1966% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 4,432 |
| Noncurrent loans to loans | 0.7790% | 5,316 |
| Net loans and leases to total assets | 72.7359% | 1,559 |
| Net loans and leases to deposits | 87.3585% | 1,513 |
| Net loans and leases to core deposits | 89.2690% | 2,330 |
| Total domestic deposits to total assets | 83.2614% | 4,580 |
| Equity capital to assets | 9.0723% | 5,664 |
| Core capital (leverage) ratio | 8.9314% | 5,047 |
| Tier 1 risk-based capital ratio | 12.0918% | 5,828 |
| Total risk-based capital ratio | 13.3434% | 5,820 |
| Memoranda: | ||
| Average total assets | $83,039,500 | 5,406 |
| Average earning assets | $74,068,500 | 5,439 |
| Average equity | $7,461,750 | 5,760 |
| Average total loans | $61,426,000 | 4,850 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 2,042 |
| Cost of funding earning assets | 0.8964% | 4,700 |
| Net interest margin | 4.3603% | 1,483 |
| Noninterest income to average assets | 0.6463% | 2,875 |
| Noninterest expense to average assets | 3.4911% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6247% | 3,939 |
| Return on assets (ROA) | 0.6247% | 4,065 |
| Pretax return on assets | 1.0356% | 3,097 |
| Return on Equity (ROE) | 6.9742% | 3,460 |
| Retained earnings to average equity (ytd only) | -12.0708% | 6,940 |
| Net charge-offs to loans | -0.1654% | 7,267 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1231% | 2,837 |
| Assets per employee ($millions) | 2.7901% | 6,489 |
| Cash dividends to net income (ytd only)* | 273.0769% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,554 |
| Loan loss allowance to noncurrent loans | 145.2218% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 2.0985% | 3,107 |
| Noncurrent loans to loans | 0.9661% | 5,055 |
| Net loans and leases to total assets | 73.9143% | 1,436 |
| Net loans and leases to deposits | 88.7173% | 1,406 |
| Net loans and leases to core deposits | 91.0332% | 2,250 |
| Total domestic deposits to total assets | 83.3144% | 4,629 |
| Equity capital to assets | 9.0763% | 5,471 |
| Core capital (leverage) ratio | 8.8443% | 4,973 |
| Tier 1 risk-based capital ratio | 11.7583% | 5,966 |
| Total risk-based capital ratio | 13.0114% | 5,963 |
| Memoranda: | ||
| Average total assets | $83,240,000 | 5,451 |
| Average earning assets | $74,077,000 | 5,490 |
| Average equity | $7,456,000 | 5,784 |
| Average total loans | $61,663,000 | 4,881 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1658% | 2,369 |
| Cost of funding earning assets | 0.9392% | 4,653 |
| Net interest margin | 4.2266% | 1,816 |
| Noninterest income to average assets | 0.5687% | 3,376 |
| Noninterest expense to average assets | 3.5259% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4644% | 4,645 |
| Return on assets (ROA) | 0.4644% | 4,726 |
| Pretax return on assets | 0.7962% | 3,909 |
| Return on Equity (ROE) | 5.2183% | 4,283 |
| Retained earnings to average equity (ytd only) | -27.4228% | 7,268 |
| Net charge-offs to loans | -0.0193% | 6,557 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5789% | 2,283 |
| Assets per employee ($millions) | 3.0290% | 6,099 |
| Cash dividends to net income (ytd only)* | 625.5102% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 5,087 |
| Loan loss allowance to noncurrent loans | 102.9449% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 2.2320% | 3,027 |
| Noncurrent loans to loans | 1.2718% | 4,571 |
| Net loans and leases to total assets | 71.4589% | 1,821 |
| Net loans and leases to deposits | 87.2542% | 1,558 |
| Net loans and leases to core deposits | 88.8024% | 2,502 |
| Total domestic deposits to total assets | 81.8974% | 5,350 |
| Equity capital to assets | 8.5496% | 5,836 |
| Core capital (leverage) ratio | 8.5350% | 5,380 |
| Tier 1 risk-based capital ratio | 11.3098% | 6,246 |
| Total risk-based capital ratio | 12.5608% | 6,230 |
| Memoranda: | ||
| Average total assets | $84,403,000 | 5,458 |
| Average earning assets | $74,954,000 | 5,510 |
| Average equity | $7,512,000 | 5,771 |
| Average total loans | $62,165,500 | 4,898 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 2,025 |
| Cost of funding earning assets | 1.3392% | 3,646 |
| Net interest margin | 4.2270% | 2,075 |
| Noninterest income to average assets | 0.5345% | 3,924 |
| Noninterest expense to average assets | 3.5210% | 2,118 |
| Loan and lease loss provision to assets | 0.3048% | 4,364 |
| Net operating income to assets | 0.3326% | 4,818 |
| Return on assets (ROA) | 0.3671% | 4,838 |
| Pretax return on assets | 0.5622% | 4,444 |
| Return on Equity (ROE) | 4.1692% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.1692% | 2,928 |
| Net charge-offs to loans | 0.8396% | 2,530 |
| Credit loss provision to net charge-offs | 47.4820% | 6,300 |
| Earnings coverage of net charge-offs (x) | 1.2680% | 4,836 |
| Efficiency ratio | 81.2250% | 2,259 |
| Assets per employee ($millions) | 3.1109% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 5,145 |
| Loan loss allowance to noncurrent loans | 85.6684% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 2.4370% | 2,840 |
| Noncurrent loans to loans | 1.4860% | 4,247 |
| Net loans and leases to total assets | 73.9580% | 1,672 |
| Net loans and leases to deposits | 89.8416% | 1,548 |
| Net loans and leases to core deposits | 91.6361% | 2,542 |
| Total domestic deposits to total assets | 82.3204% | 5,084 |
| Equity capital to assets | 9.2541% | 4,748 |
| Core capital (leverage) ratio | 8.9392% | 4,638 |
| Tier 1 risk-based capital ratio | 11.9362% | 5,533 |
| Total risk-based capital ratio | 13.1866% | 5,512 |
| Memoranda: | ||
| Average total assets | $86,622,200 | 5,391 |
| Average earning assets | $77,880,200 | 5,411 |
| Average equity | $7,627,400 | 5,832 |
| Average total loans | $66,221,200 | 4,815 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5735% | 2,163 |
| Cost of funding earning assets | 1.3883% | 3,644 |
| Net interest margin | 4.1852% | 2,270 |
| Noninterest income to average assets | 0.4109% | 4,872 |
| Noninterest expense to average assets | 3.5090% | 2,017 |
| Loan and lease loss provision to assets | 0.4018% | 3,496 |
| Net operating income to assets | 0.1761% | 5,570 |
| Return on assets (ROA) | 0.2215% | 5,608 |
| Pretax return on assets | 0.3361% | 5,411 |
| Return on Equity (ROE) | 2.5468% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.5468% | 4,637 |
| Net charge-offs to loans | 1.0023% | 2,002 |
| Credit loss provision to net charge-offs | 52.1825% | 5,853 |
| Earnings coverage of net charge-offs (x) | 0.8691% | 5,181 |
| Efficiency ratio | 83.9854% | 1,838 |
| Assets per employee ($millions) | 2.9643% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 5,164 |
| Loan loss allowance to noncurrent loans | 68.6543% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 2.3707% | 3,006 |
| Noncurrent loans to loans | 1.8351% | 3,887 |
| Net loans and leases to total assets | 77.6770% | 1,093 |
| Net loans and leases to deposits | 93.8840% | 1,214 |
| Net loans and leases to core deposits | 97.4917% | 2,094 |
| Total domestic deposits to total assets | 82.7372% | 4,702 |
| Equity capital to assets | 8.9013% | 5,701 |
| Core capital (leverage) ratio | 8.6528% | 5,266 |
| Tier 1 risk-based capital ratio | 11.1119% | 6,270 |
| Total risk-based capital ratio | 12.3634% | 6,264 |
| Memoranda: | ||
| Average total assets | $87,279,000 | 5,434 |
| Average earning assets | $78,560,750 | 5,460 |
| Average equity | $7,591,000 | 5,915 |
| Average total loans | $67,046,000 | 4,860 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4910% | 2,558 |
| Cost of funding earning assets | 1.4092% | 3,815 |
| Net interest margin | 4.0818% | 2,644 |
| Noninterest income to average assets | 0.2736% | 5,964 |
| Noninterest expense to average assets | 3.4999% | 2,033 |
| Loan and lease loss provision to assets | 0.0205% | 6,725 |
| Net operating income to assets | 0.2975% | 5,188 |
| Return on assets (ROA) | 0.3306% | 5,217 |
| Pretax return on assets | 0.5016% | 4,897 |
| Return on Equity (ROE) | 3.8306% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.8306% | 3,652 |
| Net charge-offs to loans | -0.0359% | 7,390 |
| Credit loss provision to net charge-offs | -75.0000% | 6,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1171% | 1,497 |
| Assets per employee ($millions) | 2.9920% | 6,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 3,368 |
| Loan loss allowance to noncurrent loans | 63.3675% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 2.9447% | 2,434 |
| Noncurrent loans to loans | 2.5565% | 3,096 |
| Net loans and leases to total assets | 77.9686% | 1,117 |
| Net loans and leases to deposits | 95.1344% | 1,131 |
| Net loans and leases to core deposits | 99.5336% | 2,070 |
| Total domestic deposits to total assets | 81.9563% | 5,004 |
| Equity capital to assets | 8.8098% | 5,735 |
| Core capital (leverage) ratio | 8.5402% | 5,343 |
| Tier 1 risk-based capital ratio | 11.0687% | 6,162 |
| Total risk-based capital ratio | 12.3241% | 6,150 |
| Memoranda: | ||
| Average total assets | $87,717,000 | 5,458 |
| Average earning assets | $79,475,330 | 5,459 |
| Average equity | $7,570,670 | 5,938 |
| Average total loans | $66,852,330 | 4,908 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4631% | 2,768 |
| Cost of funding earning assets | 1.4247% | 4,021 |
| Net interest margin | 4.0384% | 2,706 |
| Noninterest income to average assets | 0.5397% | 3,732 |
| Noninterest expense to average assets | 3.4969% | 1,990 |
| Loan and lease loss provision to assets | 0.0408% | 6,266 |
| Net operating income to assets | 0.4263% | 4,730 |
| Return on assets (ROA) | 0.4263% | 4,864 |
| Pretax return on assets | 0.6531% | 4,395 |
| Return on Equity (ROE) | 4.9907% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.9907% | 3,158 |
| Net charge-offs to loans | -0.0607% | 7,398 |
| Credit loss provision to net charge-offs | -90.0000% | 6,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4416% | 2,080 |
| Assets per employee ($millions) | 3.0228% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 3,058 |
| Loan loss allowance to noncurrent loans | 83.6596% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 2.6215% | 2,779 |
| Noncurrent loans to loans | 2.0326% | 3,737 |
| Net loans and leases to total assets | 73.2641% | 2,137 |
| Net loans and leases to deposits | 88.6962% | 2,094 |
| Net loans and leases to core deposits | 93.1620% | 2,958 |
| Total domestic deposits to total assets | 82.6012% | 4,799 |
| Equity capital to assets | 8.6481% | 5,802 |
| Core capital (leverage) ratio | 8.4887% | 5,396 |
| Tier 1 risk-based capital ratio | 11.2025% | 5,956 |
| Total risk-based capital ratio | 12.4592% | 5,903 |
| Memoranda: | ||
| Average total assets | $88,192,000 | 5,507 |
| Average earning assets | $79,735,000 | 5,513 |
| Average equity | $7,534,000 | 6,001 |
| Average total loans | $65,896,000 | 5,001 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7282% | 2,970 |
| Cost of funding earning assets | 1.6673% | 4,688 |
| Net interest margin | 4.0609% | 2,601 |
| Noninterest income to average assets | 0.6058% | 3,586 |
| Noninterest expense to average assets | 3.2610% | 3,153 |
| Loan and lease loss provision to assets | 0.4886% | 3,931 |
| Net operating income to assets | 0.3428% | 4,364 |
| Return on assets (ROA) | 0.3803% | 4,306 |
| Pretax return on assets | 0.6113% | 3,875 |
| Return on Equity (ROE) | 4.6607% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.6607% | 1,995 |
| Net charge-offs to loans | 0.4223% | 4,104 |
| Credit loss provision to net charge-offs | 150.8532% | 3,068 |
| Earnings coverage of net charge-offs (x) | 3.2150% | 3,444 |
| Efficiency ratio | 75.7965% | 3,562 |
| Assets per employee ($millions) | 3.0594% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 3,107 |
| Loan loss allowance to noncurrent loans | 182.7759% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7977% | 3,669 |
| Noncurrent loans to loans | 0.8998% | 5,510 |
| Net loans and leases to total assets | 73.6720% | 2,342 |
| Net loans and leases to deposits | 87.7181% | 2,606 |
| Net loans and leases to core deposits | 107.6677% | 3,137 |
| Total domestic deposits to total assets | 83.9872% | 4,027 |
| Equity capital to assets | 8.4386% | 5,998 |
| Core capital (leverage) ratio | 8.0333% | 6,111 |
| Tier 1 risk-based capital ratio | 10.7216% | 6,184 |
| Total risk-based capital ratio | 11.9762% | 6,157 |
| Memoranda: | ||
| Average total assets | $90,463,000 | 5,377 |
| Average earning assets | $82,346,400 | 5,386 |
| Average equity | $7,380,800 | 6,138 |
| Average total loans | $69,377,400 | 4,883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 3,158 |
| Cost of funding earning assets | 1.6902% | 4,951 |
| Net interest margin | 4.0461% | 2,613 |
| Noninterest income to average assets | 0.6190% | 3,556 |
| Noninterest expense to average assets | 3.3047% | 2,905 |
| Loan and lease loss provision to assets | 0.4092% | 3,869 |
| Net operating income to assets | 0.3624% | 4,542 |
| Return on assets (ROA) | 0.4122% | 4,449 |
| Pretax return on assets | 0.6733% | 3,948 |
| Return on Equity (ROE) | 5.0945% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.0945% | 2,436 |
| Net charge-offs to loans | 0.2434% | 4,526 |
| Credit loss provision to net charge-offs | 217.9688% | 2,014 |
| Earnings coverage of net charge-offs (x) | 5.3516% | 2,849 |
| Efficiency ratio | 76.6848% | 3,384 |
| Assets per employee ($millions) | 3.2993% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 2,879 |
| Loan loss allowance to noncurrent loans | 141.8394% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.9528% | 3,413 |
| Noncurrent loans to loans | 1.1485% | 5,026 |
| Net loans and leases to total assets | 71.5758% | 3,137 |
| Net loans and leases to deposits | 87.1515% | 3,121 |
| Net loans and leases to core deposits | 106.6004% | 3,632 |
| Total domestic deposits to total assets | 82.1280% | 4,630 |
| Equity capital to assets | 8.0863% | 6,761 |
| Core capital (leverage) ratio | 8.1261% | 6,143 |
| Tier 1 risk-based capital ratio | 10.4670% | 6,505 |
| Total risk-based capital ratio | 11.7225% | 6,451 |
| Memoranda: | ||
| Average total assets | $90,898,000 | 5,395 |
| Average earning assets | $82,909,250 | 5,401 |
| Average equity | $7,354,250 | 6,205 |
| Average total loans | $70,107,500 | 4,907 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 2,849 |
| Cost of funding earning assets | 1.7208% | 5,171 |
| Net interest margin | 4.1186% | 2,260 |
| Noninterest income to average assets | 0.5818% | 3,822 |
| Noninterest expense to average assets | 3.2897% | 3,000 |
| Loan and lease loss provision to assets | 0.6172% | 2,584 |
| Net operating income to assets | 0.2434% | 5,111 |
| Return on assets (ROA) | 0.2434% | 5,207 |
| Pretax return on assets | 0.4292% | 4,848 |
| Return on Equity (ROE) | 3.0072% | 4,897 |
| Retained earnings to average equity (ytd only) | 3.0072% | 3,645 |
| Net charge-offs to loans | 0.2195% | 4,130 |
| Credit loss provision to net charge-offs | 357.6923% | 1,300 |
| Earnings coverage of net charge-offs (x) | 6.0641% | 2,694 |
| Efficiency ratio | 75.8673% | 3,716 |
| Assets per employee ($millions) | 3.1396% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 2,560 |
| Loan loss allowance to noncurrent loans | 91.3078% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 2.1010% | 3,060 |
| Noncurrent loans to loans | 1.7975% | 3,804 |
| Net loans and leases to total assets | 78.0569% | 1,729 |
| Net loans and leases to deposits | 93.3338% | 2,205 |
| Net loans and leases to core deposits | 116.5563% | 2,656 |
| Total domestic deposits to total assets | 83.6319% | 3,951 |
| Equity capital to assets | 8.3450% | 6,271 |
| Core capital (leverage) ratio | 8.0022% | 6,326 |
| Tier 1 risk-based capital ratio | 10.1967% | 6,721 |
| Total risk-based capital ratio | 11.4519% | 6,639 |
| Memoranda: | ||
| Average total assets | $90,404,330 | 5,445 |
| Average earning assets | $82,405,670 | 5,451 |
| Average equity | $7,315,670 | 6,258 |
| Average total loans | $71,071,330 | 4,917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8440% | 3,067 |
| Cost of funding earning assets | 1.7293% | 5,475 |
| Net interest margin | 4.1148% | 2,228 |
| Noninterest income to average assets | 0.5761% | 3,716 |
| Noninterest expense to average assets | 3.2820% | 2,715 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5979% | 4,021 |
| Return on assets (ROA) | 0.5979% | 4,218 |
| Pretax return on assets | 1.0431% | 3,190 |
| Return on Equity (ROE) | 7.5012% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.5012% | 2,023 |
| Net charge-offs to loans | -0.0167% | 7,389 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8829% | 3,512 |
| Assets per employee ($millions) | 3.6808% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 3,862 |
| Loan loss allowance to noncurrent loans | 122.1649% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 3,698 |
| Noncurrent loans to loans | 1.0959% | 4,796 |
| Net loans and leases to total assets | 75.9194% | 2,286 |
| Net loans and leases to deposits | 94.5537% | 2,180 |
| Net loans and leases to core deposits | 116.0482% | 2,800 |
| Total domestic deposits to total assets | 80.2923% | 5,245 |
| Equity capital to assets | 7.9950% | 6,818 |
| Core capital (leverage) ratio | 7.8742% | 6,659 |
| Tier 1 risk-based capital ratio | 10.0092% | 6,908 |
| Total risk-based capital ratio | 11.2607% | 6,814 |
| Memoranda: | ||
| Average total assets | $91,652,000 | 5,435 |
| Average earning assets | $83,504,000 | 5,441 |
| Average equity | $7,305,500 | 6,293 |
| Average total loans | $71,725,000 | 4,919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6183% | 2,395 |
| Cost of funding earning assets | 2.4886% | 4,265 |
| Net interest margin | 4.1297% | 2,584 |
| Noninterest income to average assets | 0.5736% | 4,060 |
| Noninterest expense to average assets | 3.2788% | 3,037 |
| Loan and lease loss provision to assets | 0.8627% | 1,730 |
| Net operating income to assets | 0.1495% | 5,982 |
| Return on assets (ROA) | 0.1540% | 5,798 |
| Pretax return on assets | 0.1897% | 5,756 |
| Return on Equity (ROE) | 1.9351% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.9351% | 4,030 |
| Net charge-offs to loans | 0.8709% | 1,436 |
| Credit loss provision to net charge-offs | 121.3501% | 4,421 |
| Earnings coverage of net charge-offs (x) | 1.4725% | 5,372 |
| Efficiency ratio | 75.7998% | 3,268 |
| Assets per employee ($millions) | 3.5109% | 4,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 3,787 |
| Loan loss allowance to noncurrent loans | 112.7838% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.7758% | 2,759 |
| Noncurrent loans to loans | 1.1522% | 4,233 |
| Net loans and leases to total assets | 78.5428% | 1,995 |
| Net loans and leases to deposits | 96.9101% | 2,303 |
| Net loans and leases to core deposits | 123.9982% | 2,324 |
| Total domestic deposits to total assets | 81.0471% | 4,616 |
| Equity capital to assets | 7.9466% | 6,912 |
| Core capital (leverage) ratio | 7.5671% | 7,121 |
| Tier 1 risk-based capital ratio | 9.6507% | 7,144 |
| Total risk-based capital ratio | 10.9027% | 7,037 |
| Memoranda: | ||
| Average total assets | $89,606,800 | 5,374 |
| Average earning assets | $81,411,000 | 5,387 |
| Average equity | $7,131,400 | 6,411 |
| Average total loans | $73,143,600 | 4,768 |